Home > First State Bank of Purdy > Performance and Condition Ratios
First State Bank of Purdy, 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 | 5.3802% | 1,345 |
| Cost of funding earning assets | 1.1227% | 3,007 |
| Net interest margin | 4.2576% | 862 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.8289% | 1,434 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.4547% | 1,111 |
| Return on assets (ROA) | 1.4547% | 1,078 |
| Pretax return on assets | 1.4547% | 1,523 |
| Return on Equity (ROE) | 22.0000% | 457 |
| Retained earnings to average equity (ytd only) | 2.7313% | 3,366 |
| Net charge-offs to loans | 0.1065% | 867 |
| Credit loss provision to net charge-offs | 163.6905% | 1,388 |
| Earnings coverage of net charge-offs (x) | 19.8095% | 1,889 |
| Efficiency ratio | 64.0799% | 2,596 |
| Assets per employee ($millions) | 4.4500% | 3,975 |
| Cash dividends to net income (ytd only)* | 87.5860% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 2,786 |
| Loan loss allowance to noncurrent loans | 112.4097% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.8716% | 580 |
| Noncurrent loans to loans | 0.9866% | 749 |
| Net loans and leases to total assets | 72.9900% | 1,473 |
| Net loans and leases to deposits | 81.6080% | 1,980 |
| Net loans and leases to core deposits | 88.2079% | 2,166 |
| Total domestic deposits to total assets | 89.4400% | 933 |
| Equity capital to assets | 6.9515% | 3,958 |
| Core capital (leverage) ratio | 8.2311% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2202% | 2,518 |
| Memoranda: | ||
| Average total assets | $209,869,400 | 2,916 |
| Average earning assets | $195,511,400 | 2,908 |
| Average equity | $13,876,400 | 3,350 |
| Average total loans | $157,790,400 | 2,615 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3201% | 1,266 |
| Cost of funding earning assets | 0.9895% | 3,068 |
| Net interest margin | 4.3305% | 772 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.8583% | 1,304 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.5196% | 1,084 |
| Return on assets (ROA) | 1.5196% | 1,075 |
| Pretax return on assets | 1.5196% | 1,518 |
| Return on Equity (ROE) | 23.2800% | 475 |
| Retained earnings to average equity (ytd only) | 1.3614% | 3,873 |
| Net charge-offs to loans | 0.1168% | 691 |
| Credit loss provision to net charge-offs | 107.9137% | 1,565 |
| Earnings coverage of net charge-offs (x) | 18.3022% | 1,866 |
| Efficiency ratio | 63.8995% | 2,500 |
| Assets per employee ($millions) | 4.4020% | 3,999 |
| Cash dividends to net income (ytd only)* | 94.1520% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,004 |
| Loan loss allowance to noncurrent loans | 102.4731% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7622% | 731 |
| Noncurrent loans to loans | 1.0477% | 768 |
| Net loans and leases to total assets | 71.9700% | 1,577 |
| Net loans and leases to deposits | 80.1440% | 2,036 |
| Net loans and leases to core deposits | 84.8974% | 2,269 |
| Total domestic deposits to total assets | 89.8100% | 987 |
| Equity capital to assets | 6.5821% | 3,801 |
| Core capital (leverage) ratio | 8.1258% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3769% | 2,486 |
| Memoranda: | ||
| Average total assets | $210,049,750 | 2,917 |
| Average earning assets | $195,505,500 | 2,915 |
| Average equity | $13,710,750 | 3,357 |
| Average total loans | $158,644,000 | 2,617 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2360% | 1,165 |
| Cost of funding earning assets | 0.8484% | 3,075 |
| Net interest margin | 4.3876% | 717 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.8621% | 1,302 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.5841% | 971 |
| Return on assets (ROA) | 1.5841% | 973 |
| Pretax return on assets | 1.5841% | 1,438 |
| Return on Equity (ROE) | 24.3300% | 408 |
| Retained earnings to average equity (ytd only) | 2.0085% | 3,724 |
| Net charge-offs to loans | 0.0347% | 1,201 |
| Credit loss provision to net charge-offs | 267.8571% | 922 |
| Earnings coverage of net charge-offs (x) | 62.3929% | 1,178 |
| Efficiency ratio | 63.3599% | 2,555 |
| Assets per employee ($millions) | 4.4854% | 3,962 |
| Cash dividends to net income (ytd only)* | 91.7464% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 3,353 |
| Loan loss allowance to noncurrent loans | 119.9710% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 810 |
| Noncurrent loans to loans | 0.8478% | 901 |
| Net loans and leases to total assets | 76.2600% | 1,022 |
| Net loans and leases to deposits | 90.3326% | 1,165 |
| Net loans and leases to core deposits | 95.0763% | 1,514 |
| Total domestic deposits to total assets | 84.4200% | 2,715 |
| Equity capital to assets | 6.5901% | 3,955 |
| Core capital (leverage) ratio | 7.8686% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6418% | 2,723 |
| Memoranda: | ||
| Average total assets | $211,101,667 | 2,928 |
| Average earning assets | $196,370,667 | 2,919 |
| Average equity | $13,741,667 | 3,377 |
| Average total loans | $161,350,000 | 2,588 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1132% | 1,074 |
| Cost of funding earning assets | 0.6625% | 3,179 |
| Net interest margin | 4.4507% | 626 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.8252% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7458% | 753 |
| Return on assets (ROA) | 1.7458% | 744 |
| Pretax return on assets | 1.7458% | 1,180 |
| Return on Equity (ROE) | 26.9900% | 323 |
| Retained earnings to average equity (ytd only) | -0.9366% | 4,118 |
| Net charge-offs to loans | 0.0547% | 821 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 41.9091% | 1,175 |
| Efficiency ratio | 61.8061% | 2,722 |
| Assets per employee ($millions) | 4.3500% | 4,099 |
| Cash dividends to net income (ytd only)* | 103.4707% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 3,648 |
| Loan loss allowance to noncurrent loans | 101.0856% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.7347% | 662 |
| Noncurrent loans to loans | 0.9560% | 786 |
| Net loans and leases to total assets | 76.1000% | 962 |
| Net loans and leases to deposits | 87.9038% | 1,216 |
| Net loans and leases to core deposits | 92.6324% | 1,470 |
| Total domestic deposits to total assets | 86.5800% | 2,416 |
| Equity capital to assets | 6.4350% | 4,052 |
| Core capital (leverage) ratio | 7.7414% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3343% | 2,895 |
| Memoranda: | ||
| Average total assets | $211,244,500 | 2,963 |
| Average earning assets | $196,823,000 | 2,945 |
| Average equity | $13,666,000 | 3,424 |
| Average total loans | $160,812,500 | 2,613 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 1,388 |
| Cost of funding earning assets | 0.2792% | 3,049 |
| Net interest margin | 3.8560% | 1,054 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.6160% | 1,788 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3705% | 1,209 |
| Return on assets (ROA) | 1.3705% | 1,168 |
| Pretax return on assets | 1.3705% | 1,863 |
| Return on Equity (ROE) | 21.7000% | 357 |
| Retained earnings to average equity (ytd only) | 10.7656% | 940 |
| Net charge-offs to loans | 0.0129% | 1,895 |
| Credit loss provision to net charge-offs | 789.4737% | 496 |
| Earnings coverage of net charge-offs (x) | 163.6316% | 745 |
| Efficiency ratio | 64.4970% | 2,437 |
| Assets per employee ($millions) | 4.2723% | 4,156 |
| Cash dividends to net income (ytd only)* | 50.3886% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 3,587 |
| Loan loss allowance to noncurrent loans | 100.8038% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 672 |
| Noncurrent loans to loans | 0.9460% | 785 |
| Net loans and leases to total assets | 74.6700% | 1,159 |
| Net loans and leases to deposits | 82.5924% | 1,574 |
| Net loans and leases to core deposits | 86.7274% | 1,695 |
| Total domestic deposits to total assets | 90.4100% | 1,193 |
| Equity capital to assets | 6.5042% | 3,895 |
| Core capital (leverage) ratio | 7.8939% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8449% | 2,774 |
| Memoranda: | ||
| Average total assets | $215,899,600 | 2,939 |
| Average earning assets | $202,360,600 | 2,912 |
| Average equity | $13,636,000 | 3,512 |
| Average total loans | $146,744,000 | 2,661 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9097% | 1,465 |
| Cost of funding earning assets | 0.2377% | 2,843 |
| Net interest margin | 3.6721% | 1,213 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.5822% | 1,758 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.2178% | 1,642 |
| Return on assets (ROA) | 1.2178% | 1,614 |
| Pretax return on assets | 1.2178% | 2,301 |
| Return on Equity (ROE) | 19.4200% | 485 |
| Retained earnings to average equity (ytd only) | 8.6697% | 1,767 |
| Net charge-offs to loans | 0.0083% | 1,829 |
| Credit loss provision to net charge-offs | 1,666.6667% | 284 |
| Earnings coverage of net charge-offs (x) | 237.4444% | 559 |
| Efficiency ratio | 66.3465% | 2,232 |
| Assets per employee ($millions) | 4.4418% | 4,098 |
| Cash dividends to net income (ytd only)* | 55.3598% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,490 |
| Loan loss allowance to noncurrent loans | 62.1156% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.1683% | 364 |
| Noncurrent loans to loans | 1.6080% | 424 |
| Net loans and leases to total assets | 71.9300% | 1,308 |
| Net loans and leases to deposits | 79.3486% | 1,613 |
| Net loans and leases to core deposits | 83.0480% | 1,713 |
| Total domestic deposits to total assets | 90.6500% | 1,385 |
| Equity capital to assets | 6.1624% | 3,897 |
| Core capital (leverage) ratio | 7.3758% | 4,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5313% | 2,937 |
| Memoranda: | ||
| Average total assets | $217,539,250 | 2,946 |
| Average earning assets | $204,202,750 | 2,921 |
| Average equity | $13,641,000 | 3,549 |
| Average total loans | $143,973,500 | 2,700 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6441% | 1,701 |
| Cost of funding earning assets | 0.2259% | 2,571 |
| Net interest margin | 3.4182% | 1,546 |
| Noninterest income to average assets | 0.4327% | 2,557 |
| Noninterest expense to average assets | 2.5900% | 1,664 |
| Loan and lease loss provision to assets | 0.0680% | 1,396 |
| Net operating income to assets | 0.9870% | 2,204 |
| Return on assets (ROA) | 0.9870% | 2,177 |
| Pretax return on assets | 0.9870% | 2,777 |
| Return on Equity (ROE) | 15.6551% | 762 |
| Retained earnings to average equity (ytd only) | 5.2231% | 2,624 |
| Net charge-offs to loans | 0.0141% | 1,484 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 116.3000% | 752 |
| Efficiency ratio | 71.0553% | 1,822 |
| Assets per employee ($millions) | 4.5887% | 4,013 |
| Cash dividends to net income (ytd only)* | 66.6360% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,702 |
| Loan loss allowance to noncurrent loans | 51.9870% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.2834% | 316 |
| Noncurrent loans to loans | 1.8776% | 354 |
| Net loans and leases to total assets | 67.6877% | 1,505 |
| Net loans and leases to deposits | 74.5095% | 1,805 |
| Net loans and leases to core deposits | 77.8467% | 1,865 |
| Total domestic deposits to total assets | 90.8443% | 1,312 |
| Equity capital to assets | 5.8780% | 4,241 |
| Core capital (leverage) ratio | 7.0031% | 4,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4854% | 2,295 |
| Memoranda: | ||
| Average total assets | $220,463,667 | 2,942 |
| Average earning assets | $207,186,667 | 2,936 |
| Average equity | $13,899,667 | 3,593 |
| Average total loans | $141,406,333 | 2,738 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5184% | 1,748 |
| Cost of funding earning assets | 0.2253% | 2,460 |
| Net interest margin | 3.2931% | 1,580 |
| Noninterest income to average assets | 0.4164% | 2,584 |
| Noninterest expense to average assets | 2.5397% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9728% | 1,990 |
| Return on assets (ROA) | 0.9728% | 1,988 |
| Pretax return on assets | 0.9728% | 2,528 |
| Return on Equity (ROE) | 14.9404% | 661 |
| Retained earnings to average equity (ytd only) | 5.2925% | 2,480 |
| Net charge-offs to loans | 0.0058% | 1,542 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 345 |
| Efficiency ratio | 72.3045% | 1,937 |
| Assets per employee ($millions) | 4.8066% | 3,918 |
| Cash dividends to net income (ytd only)* | 64.5756% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 3,824 |
| Loan loss allowance to noncurrent loans | 26.7707% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 2.2214% | 122 |
| Noncurrent loans to loans | 3.6337% | 119 |
| Net loans and leases to total assets | 60.5366% | 2,010 |
| Net loans and leases to deposits | 68.1130% | 2,145 |
| Net loans and leases to core deposits | 71.1128% | 2,194 |
| Total domestic deposits to total assets | 88.8768% | 2,128 |
| Equity capital to assets | 6.0607% | 4,570 |
| Core capital (leverage) ratio | 7.1248% | 4,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5024% | 2,979 |
| Memoranda: | ||
| Average total assets | $222,860,500 | 2,942 |
| Average earning assets | $209,526,000 | 2,931 |
| Average equity | $14,511,000 | 3,606 |
| Average total loans | $138,399,000 | 2,764 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 1,710 |
| Cost of funding earning assets | 0.2783% | 2,618 |
| Net interest margin | 3.5882% | 1,500 |
| Noninterest income to average assets | 0.4717% | 2,713 |
| Noninterest expense to average assets | 2.6426% | 1,771 |
| Loan and lease loss provision to assets | 0.1626% | 724 |
| Net operating income to assets | 0.9814% | 2,748 |
| Return on assets (ROA) | 0.9814% | 2,818 |
| Pretax return on assets | 0.9814% | 3,313 |
| Return on Equity (ROE) | 13.0685% | 1,440 |
| Retained earnings to average equity (ytd only) | 3.2438% | 3,527 |
| Net charge-offs to loans | 0.2867% | 306 |
| Credit loss provision to net charge-offs | 89.7790% | 1,882 |
| Earnings coverage of net charge-offs (x) | 6.3177% | 2,405 |
| Efficiency ratio | 69.7886% | 1,760 |
| Assets per employee ($millions) | 4.3879% | 4,201 |
| Cash dividends to net income (ytd only)* | 75.1784% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,694 |
| Loan loss allowance to noncurrent loans | 23.4711% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 2.7227% | 90 |
| Noncurrent loans to loans | 4.3121% | 92 |
| Net loans and leases to total assets | 62.5029% | 1,885 |
| Net loans and leases to deposits | 69.0414% | 2,219 |
| Net loans and leases to core deposits | 72.1643% | 2,244 |
| Total domestic deposits to total assets | 90.5296% | 703 |
| Equity capital to assets | 6.9947% | 4,721 |
| Core capital (leverage) ratio | 7.3276% | 4,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7100% | 2,951 |
| Memoranda: | ||
| Average total assets | $199,914,800 | 3,064 |
| Average earning assets | $184,686,400 | 3,067 |
| Average equity | $15,013,200 | 3,632 |
| Average total loans | $126,285,000 | 2,897 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9596% | 1,625 |
| Cost of funding earning assets | 0.2882% | 2,706 |
| Net interest margin | 3.6714% | 1,402 |
| Noninterest income to average assets | 0.4718% | 2,746 |
| Noninterest expense to average assets | 2.6701% | 1,664 |
| Loan and lease loss provision to assets | 0.1698% | 642 |
| Net operating income to assets | 1.0094% | 2,868 |
| Return on assets (ROA) | 1.0094% | 2,936 |
| Pretax return on assets | 1.0094% | 3,430 |
| Return on Equity (ROE) | 13.1937% | 1,641 |
| Retained earnings to average equity (ytd only) | 2.9319% | 3,930 |
| Net charge-offs to loans | 0.3906% | 195 |
| Credit loss provision to net charge-offs | 68.8705% | 1,764 |
| Earnings coverage of net charge-offs (x) | 4.7796% | 2,250 |
| Efficiency ratio | 69.3625% | 1,671 |
| Assets per employee ($millions) | 4.2514% | 4,299 |
| Cash dividends to net income (ytd only)* | 77.7778% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 3,162 |
| Loan loss allowance to noncurrent loans | 20.4893% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 3.0410% | 81 |
| Noncurrent loans to loans | 5.6653% | 61 |
| Net loans and leases to total assets | 53.0552% | 3,077 |
| Net loans and leases to deposits | 59.6440% | 3,266 |
| Net loans and leases to core deposits | 62.5012% | 3,263 |
| Total domestic deposits to total assets | 88.9530% | 1,305 |
| Equity capital to assets | 7.3061% | 4,756 |
| Core capital (leverage) ratio | 7.5155% | 4,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8055% | 2,425 |
| Memoranda: | ||
| Average total assets | $196,142,000 | 3,131 |
| Average earning assets | $180,453,500 | 3,128 |
| Average equity | $15,006,750 | 3,685 |
| Average total loans | $123,916,500 | 2,955 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 1,547 |
| Cost of funding earning assets | 0.2973% | 2,797 |
| Net interest margin | 3.7105% | 1,325 |
| Noninterest income to average assets | 0.4248% | 2,979 |
| Noninterest expense to average assets | 2.6343% | 1,765 |
| Loan and lease loss provision to assets | 0.1562% | 753 |
| Net operating income to assets | 1.0256% | 2,805 |
| Return on assets (ROA) | 1.0256% | 2,883 |
| Pretax return on assets | 1.0256% | 3,385 |
| Return on Equity (ROE) | 13.1899% | 1,650 |
| Retained earnings to average equity (ytd only) | 2.7451% | 3,923 |
| Net charge-offs to loans | 0.5674% | 141 |
| Credit loss provision to net charge-offs | 41.3223% | 1,651 |
| Earnings coverage of net charge-offs (x) | 3.1267% | 2,090 |
| Efficiency ratio | 69.0314% | 1,757 |
| Assets per employee ($millions) | 4.3741% | 4,202 |
| Cash dividends to net income (ytd only)* | 79.1878% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 3,954 |
| Loan loss allowance to noncurrent loans | 19.0916% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 3.2604% | 85 |
| Noncurrent loans to loans | 5.0439% | 81 |
| Net loans and leases to total assets | 64.0176% | 1,947 |
| Net loans and leases to deposits | 73.9279% | 2,008 |
| Net loans and leases to core deposits | 77.5368% | 2,091 |
| Total domestic deposits to total assets | 86.5947% | 2,506 |
| Equity capital to assets | 7.7979% | 4,632 |
| Core capital (leverage) ratio | 7.3509% | 4,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1565% | 2,663 |
| Memoranda: | ||
| Average total assets | $192,083,000 | 3,160 |
| Average earning assets | $175,555,000 | 3,171 |
| Average equity | $14,935,667 | 3,687 |
| Average total loans | $127,948,000 | 2,923 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 1,413 |
| Cost of funding earning assets | 0.3021% | 2,971 |
| Net interest margin | 3.7889% | 1,162 |
| Noninterest income to average assets | 0.4232% | 2,973 |
| Noninterest expense to average assets | 2.5764% | 1,945 |
| Loan and lease loss provision to assets | 0.1563% | 818 |
| Net operating income to assets | 1.1673% | 2,271 |
| Return on assets (ROA) | 1.1673% | 2,343 |
| Pretax return on assets | 1.1673% | 2,933 |
| Return on Equity (ROE) | 15.0341% | 1,205 |
| Retained earnings to average equity (ytd only) | 4.9666% | 3,229 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0609% | 2,224 |
| Assets per employee ($millions) | 4.4961% | 4,104 |
| Cash dividends to net income (ytd only)* | 66.9643% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 3,356 |
| Loan loss allowance to noncurrent loans | 63.0195% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.1920% | 627 |
| Noncurrent loans to loans | 1.7692% | 667 |
| Net loans and leases to total assets | 66.6193% | 1,714 |
| Net loans and leases to deposits | 76.3550% | 1,868 |
| Net loans and leases to core deposits | 79.9465% | 2,008 |
| Total domestic deposits to total assets | 87.2495% | 2,201 |
| Equity capital to assets | 7.5152% | 4,703 |
| Core capital (leverage) ratio | 7.5756% | 4,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6151% | 2,784 |
| Memoranda: | ||
| Average total assets | $191,894,000 | 3,150 |
| Average earning assets | $176,093,000 | 3,156 |
| Average equity | $14,899,500 | 3,698 |
| Average total loans | $129,718,500 | 2,906 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 485 |
| Cost of funding earning assets | 0.5991% | 2,318 |
| Net interest margin | 4.4026% | 405 |
| Noninterest income to average assets | 0.4667% | 2,785 |
| Noninterest expense to average assets | 3.1107% | 1,208 |
| Loan and lease loss provision to assets | 0.1446% | 2,558 |
| Net operating income to assets | 1.0912% | 1,958 |
| Return on assets (ROA) | 1.2370% | 1,530 |
| Pretax return on assets | 1.2370% | 2,201 |
| Return on Equity (ROE) | 14.4502% | 724 |
| Retained earnings to average equity (ytd only) | 2.9657% | 3,376 |
| Net charge-offs to loans | 0.0645% | 1,853 |
| Credit loss provision to net charge-offs | 312.5000% | 1,690 |
| Earnings coverage of net charge-offs (x) | 26.7125% | 1,706 |
| Efficiency ratio | 71.5673% | 1,741 |
| Assets per employee ($millions) | 4.1325% | 4,265 |
| Cash dividends to net income (ytd only)* | 79.4764% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 3,376 |
| Loan loss allowance to noncurrent loans | 333.5697% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 3,146 |
| Noncurrent loans to loans | 0.3353% | 3,004 |
| Net loans and leases to total assets | 67.0834% | 1,939 |
| Net loans and leases to deposits | 76.5209% | 2,225 |
| Net loans and leases to core deposits | 80.1708% | 2,350 |
| Total domestic deposits to total assets | 87.6668% | 1,625 |
| Equity capital to assets | 8.0296% | 4,694 |
| Core capital (leverage) ratio | 8.1107% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3266% | 2,510 |
| Memoranda: | ||
| Average total assets | $172,922,000 | 3,170 |
| Average earning assets | $152,387,200 | 3,242 |
| Average equity | $14,802,600 | 3,669 |
| Average total loans | $123,978,400 | 2,937 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1845% | 428 |
| Cost of funding earning assets | 0.6857% | 2,116 |
| Net interest margin | 4.4988% | 374 |
| Noninterest income to average assets | 0.4251% | 2,958 |
| Noninterest expense to average assets | 3.1568% | 1,146 |
| Loan and lease loss provision to assets | 0.1179% | 2,849 |
| Net operating income to assets | 1.0743% | 2,068 |
| Return on assets (ROA) | 1.2723% | 1,528 |
| Pretax return on assets | 1.2723% | 2,150 |
| Return on Equity (ROE) | 14.6146% | 765 |
| Retained earnings to average equity (ytd only) | 3.5566% | 3,280 |
| Net charge-offs to loans | 0.0929% | 1,380 |
| Credit loss provision to net charge-offs | 174.4186% | 2,207 |
| Earnings coverage of net charge-offs (x) | 17.6395% | 2,001 |
| Efficiency ratio | 72.5876% | 1,566 |
| Assets per employee ($millions) | 3.9242% | 4,382 |
| Cash dividends to net income (ytd only)* | 75.6640% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 3,662 |
| Loan loss allowance to noncurrent loans | 113.5770% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6703% | 1,719 |
| Noncurrent loans to loans | 0.8898% | 1,681 |
| Net loans and leases to total assets | 70.8117% | 1,844 |
| Net loans and leases to deposits | 79.8522% | 2,332 |
| Net loans and leases to core deposits | 83.5714% | 2,519 |
| Total domestic deposits to total assets | 88.6784% | 907 |
| Equity capital to assets | 8.2359% | 4,615 |
| Core capital (leverage) ratio | 8.0238% | 4,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0225% | 2,606 |
| Memoranda: | ||
| Average total assets | $169,662,250 | 3,182 |
| Average earning assets | $147,975,250 | 3,267 |
| Average equity | $14,770,250 | 3,678 |
| Average total loans | $123,433,000 | 2,953 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5216% | 328 |
| Cost of funding earning assets | 0.6483% | 2,706 |
| Net interest margin | 4.8733% | 251 |
| Noninterest income to average assets | 0.4324% | 2,893 |
| Noninterest expense to average assets | 3.2714% | 1,039 |
| Loan and lease loss provision to assets | 0.0903% | 3,137 |
| Net operating income to assets | 1.2539% | 1,483 |
| Return on assets (ROA) | 1.3009% | 1,464 |
| Pretax return on assets | 1.3009% | 2,026 |
| Return on Equity (ROE) | 14.6560% | 762 |
| Retained earnings to average equity (ytd only) | 4.4782% | 2,717 |
| Net charge-offs to loans | 0.0609% | 1,640 |
| Credit loss provision to net charge-offs | 202.7027% | 1,898 |
| Earnings coverage of net charge-offs (x) | 30.1622% | 1,433 |
| Efficiency ratio | 70.8768% | 1,836 |
| Assets per employee ($millions) | 3.8222% | 4,446 |
| Cash dividends to net income (ytd only)* | 69.4444% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,389 |
| Loan loss allowance to noncurrent loans | 89.1911% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8281% | 1,495 |
| Noncurrent loans to loans | 1.1613% | 1,353 |
| Net loans and leases to total assets | 69.5063% | 2,110 |
| Net loans and leases to deposits | 78.7694% | 2,573 |
| Net loans and leases to core deposits | 84.3673% | 2,583 |
| Total domestic deposits to total assets | 88.2402% | 1,068 |
| Equity capital to assets | 8.6344% | 4,398 |
| Core capital (leverage) ratio | 8.2867% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4602% | 2,834 |
| Memoranda: | ||
| Average total assets | $166,045,000 | 3,191 |
| Average earning assets | $142,531,333 | 3,315 |
| Average equity | $14,738,000 | 3,685 |
| Average total loans | $121,534,000 | 2,960 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 786 |
| Cost of funding earning assets | 0.6710% | 3,053 |
| Net interest margin | 4.4333% | 583 |
| Noninterest income to average assets | 0.4815% | 2,646 |
| Noninterest expense to average assets | 3.4674% | 982 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9829% | 2,235 |
| Return on assets (ROA) | 1.0797% | 2,010 |
| Pretax return on assets | 1.0797% | 2,590 |
| Return on Equity (ROE) | 11.9864% | 1,110 |
| Retained earnings to average equity (ytd only) | 1.6533% | 3,563 |
| Net charge-offs to loans | 0.0299% | 1,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 980 |
| Efficiency ratio | 77.9141% | 1,352 |
| Assets per employee ($millions) | 3.5611% | 4,427 |
| Cash dividends to net income (ytd only)* | 86.2069% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 3,511 |
| Loan loss allowance to noncurrent loans | 64.8763% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.1346% | 1,132 |
| Noncurrent loans to loans | 1.5979% | 978 |
| Net loans and leases to total assets | 70.2678% | 2,206 |
| Net loans and leases to deposits | 79.1326% | 2,763 |
| Net loans and leases to core deposits | 85.1753% | 2,743 |
| Total domestic deposits to total assets | 88.7975% | 757 |
| Equity capital to assets | 8.6776% | 4,753 |
| Core capital (leverage) ratio | 9.0685% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9562% | 3,113 |
| Memoranda: | ||
| Average total assets | $161,157,500 | 3,201 |
| Average earning assets | $144,273,000 | 3,245 |
| Average equity | $14,516,500 | 3,714 |
| Average total loans | $120,558,500 | 2,945 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2193% | 947 |
| Cost of funding earning assets | 0.7968% | 2,702 |
| Net interest margin | 4.4225% | 855 |
| Noninterest income to average assets | 0.5293% | 2,582 |
| Noninterest expense to average assets | 3.3149% | 1,268 |
| Loan and lease loss provision to assets | 0.1546% | 1,363 |
| Net operating income to assets | 1.0135% | 2,802 |
| Return on assets (ROA) | 1.1353% | 2,409 |
| Pretax return on assets | 1.1353% | 3,054 |
| Return on Equity (ROE) | 13.1004% | 1,138 |
| Retained earnings to average equity (ytd only) | 1.3272% | 4,269 |
| Net charge-offs to loans | 0.0599% | 2,245 |
| Credit loss provision to net charge-offs | 362.3188% | 775 |
| Earnings coverage of net charge-offs (x) | 27.3768% | 1,668 |
| Efficiency ratio | 73.9448% | 1,610 |
| Assets per employee ($millions) | 3.3683% | 4,597 |
| Cash dividends to net income (ytd only)* | 89.8693% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,414 |
| Loan loss allowance to noncurrent loans | 85.5272% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 1,355 |
| Noncurrent loans to loans | 1.1867% | 1,276 |
| Net loans and leases to total assets | 78.1162% | 1,065 |
| Net loans and leases to deposits | 88.5295% | 1,767 |
| Net loans and leases to core deposits | 92.2670% | 2,210 |
| Total domestic deposits to total assets | 88.2375% | 1,012 |
| Equity capital to assets | 9.3642% | 4,455 |
| Core capital (leverage) ratio | 9.2265% | 4,345 |
| Tier 1 risk-based capital ratio | 11.3080% | 4,730 |
| Total risk-based capital ratio | 12.2672% | 4,757 |
| Memoranda: | ||
| Average total assets | $161,722,600 | 3,191 |
| Average earning assets | $144,578,800 | 3,225 |
| Average equity | $14,014,800 | 3,749 |
| Average total loans | $115,147,000 | 3,003 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2032% | 1,035 |
| Cost of funding earning assets | 0.8100% | 2,661 |
| Net interest margin | 4.3932% | 964 |
| Noninterest income to average assets | 0.4944% | 2,767 |
| Noninterest expense to average assets | 3.2872% | 1,300 |
| Loan and lease loss provision to assets | 0.1632% | 1,143 |
| Net operating income to assets | 0.9693% | 3,086 |
| Return on assets (ROA) | 1.1300% | 2,548 |
| Pretax return on assets | 1.1300% | 3,204 |
| Return on Equity (ROE) | 13.2934% | 1,179 |
| Retained earnings to average equity (ytd only) | 1.0558% | 4,550 |
| Net charge-offs to loans | 0.0835% | 1,639 |
| Credit loss provision to net charge-offs | 281.6901% | 993 |
| Earnings coverage of net charge-offs (x) | 19.5502% | 1,996 |
| Efficiency ratio | 74.3770% | 1,511 |
| Assets per employee ($millions) | 2.9966% | 4,894 |
| Cash dividends to net income (ytd only)* | 92.0579% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 3,236 |
| Loan loss allowance to noncurrent loans | 81.5501% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9540% | 1,418 |
| Noncurrent loans to loans | 1.2976% | 1,191 |
| Net loans and leases to total assets | 72.7421% | 2,042 |
| Net loans and leases to deposits | 82.6464% | 2,600 |
| Net loans and leases to core deposits | 88.7140% | 2,662 |
| Total domestic deposits to total assets | 88.0160% | 1,029 |
| Equity capital to assets | 9.4288% | 4,511 |
| Core capital (leverage) ratio | 8.7214% | 4,818 |
| Tier 1 risk-based capital ratio | 12.3165% | 4,251 |
| Total risk-based capital ratio | 13.3226% | 4,274 |
| Memoranda: | ||
| Average total assets | $163,418,000 | 3,205 |
| Average earning assets | $146,008,750 | 3,245 |
| Average equity | $13,891,250 | 3,798 |
| Average total loans | $113,365,000 | 3,069 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1710% | 1,040 |
| Cost of funding earning assets | 0.7754% | 2,773 |
| Net interest margin | 4.3956% | 948 |
| Noninterest income to average assets | 0.4960% | 2,700 |
| Noninterest expense to average assets | 3.2501% | 1,400 |
| Loan and lease loss provision to assets | 0.2396% | 654 |
| Net operating income to assets | 0.9045% | 3,260 |
| Return on assets (ROA) | 0.9740% | 3,079 |
| Pretax return on assets | 0.9740% | 3,631 |
| Return on Equity (ROE) | 11.8528% | 1,638 |
| Retained earnings to average equity (ytd only) | -1.2684% | 4,856 |
| Net charge-offs to loans | 0.0053% | 2,967 |
| Credit loss provision to net charge-offs | 6,666.6667% | 48 |
| Earnings coverage of net charge-offs (x) | 318.3333% | 251 |
| Efficiency ratio | 73.9640% | 1,654 |
| Assets per employee ($millions) | 3.6257% | 4,350 |
| Cash dividends to net income (ytd only)* | 110.7011% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 2,846 |
| Loan loss allowance to noncurrent loans | 67.1474% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 1,204 |
| Noncurrent loans to loans | 1.6980% | 897 |
| Net loans and leases to total assets | 65.3480% | 3,183 |
| Net loans and leases to deposits | 73.2273% | 3,576 |
| Net loans and leases to core deposits | 81.1844% | 3,324 |
| Total domestic deposits to total assets | 89.2400% | 576 |
| Equity capital to assets | 8.5212% | 5,033 |
| Core capital (leverage) ratio | 8.4242% | 4,992 |
| Tier 1 risk-based capital ratio | 11.9979% | 4,418 |
| Total risk-based capital ratio | 13.0483% | 4,420 |
| Memoranda: | ||
| Average total assets | $166,947,670 | 3,185 |
| Average earning assets | $148,057,000 | 3,243 |
| Average equity | $13,718,330 | 3,828 |
| Average total loans | $113,700,000 | 3,076 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0088% | 1,324 |
| Cost of funding earning assets | 0.7186% | 2,952 |
| Net interest margin | 4.2902% | 1,111 |
| Noninterest income to average assets | 0.5005% | 2,551 |
| Noninterest expense to average assets | 3.1707% | 1,574 |
| Loan and lease loss provision to assets | 0.2395% | 622 |
| Net operating income to assets | 0.9795% | 2,924 |
| Return on assets (ROA) | 0.9819% | 2,961 |
| Pretax return on assets | 0.9819% | 3,505 |
| Return on Equity (ROE) | 12.1738% | 1,473 |
| Retained earnings to average equity (ytd only) | -1.1877% | 4,673 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2313% | 2,004 |
| Assets per employee ($millions) | 3.8314% | 4,145 |
| Cash dividends to net income (ytd only)* | 109.7561% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,581 |
| Loan loss allowance to noncurrent loans | 73.3713% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 1,527 |
| Noncurrent loans to loans | 1.3903% | 1,162 |
| Net loans and leases to total assets | 65.2838% | 3,135 |
| Net loans and leases to deposits | 72.5111% | 3,566 |
| Net loans and leases to core deposits | 80.0494% | 3,370 |
| Total domestic deposits to total assets | 90.0328% | 433 |
| Equity capital to assets | 7.9500% | 5,194 |
| Core capital (leverage) ratio | 8.7059% | 4,863 |
| Tier 1 risk-based capital ratio | 11.6501% | 4,658 |
| Total risk-based capital ratio | 12.5883% | 4,722 |
| Memoranda: | ||
| Average total assets | $167,029,500 | 3,218 |
| Average earning assets | $151,415,000 | 3,254 |
| Average equity | $13,471,500 | 3,877 |
| Average total loans | $115,426,500 | 3,070 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0259% | 994 |
| Cost of funding earning assets | 0.5108% | 3,285 |
| Net interest margin | 4.5151% | 739 |
| Noninterest income to average assets | 0.5100% | 2,779 |
| Noninterest expense to average assets | 3.1218% | 1,742 |
| Loan and lease loss provision to assets | 0.0912% | 2,326 |
| Net operating income to assets | 1.3852% | 1,480 |
| Return on assets (ROA) | 1.3470% | 1,613 |
| Pretax return on assets | 1.3470% | 2,329 |
| Return on Equity (ROE) | 17.0399% | 490 |
| Retained earnings to average equity (ytd only) | 1.4302% | 4,563 |
| Net charge-offs to loans | 0.0773% | 2,019 |
| Credit loss provision to net charge-offs | 166.6667% | 1,664 |
| Earnings coverage of net charge-offs (x) | 26.9889% | 1,705 |
| Efficiency ratio | 67.8916% | 2,564 |
| Assets per employee ($millions) | 3.6737% | 4,358 |
| Cash dividends to net income (ytd only)* | 91.6065% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 4,135 |
| Loan loss allowance to noncurrent loans | 81.0398% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 1,354 |
| Noncurrent loans to loans | 1.1167% | 1,449 |
| Net loans and leases to total assets | 71.8084% | 2,297 |
| Net loans and leases to deposits | 80.0025% | 2,954 |
| Net loans and leases to core deposits | 88.6196% | 2,690 |
| Total domestic deposits to total assets | 89.7577% | 554 |
| Equity capital to assets | 8.1884% | 5,091 |
| Core capital (leverage) ratio | 8.7390% | 4,850 |
| Tier 1 risk-based capital ratio | 11.5832% | 4,678 |
| Total risk-based capital ratio | 12.4331% | 4,782 |
| Memoranda: | ||
| Average total assets | $164,519,400 | 3,222 |
| Average earning assets | $148,968,000 | 3,257 |
| Average equity | $13,004,800 | 3,881 |
| Average total loans | $116,451,200 | 3,038 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9651% | 1,007 |
| Cost of funding earning assets | 0.4654% | 3,420 |
| Net interest margin | 4.4998% | 740 |
| Noninterest income to average assets | 0.4785% | 2,993 |
| Noninterest expense to average assets | 3.0977% | 1,775 |
| Loan and lease loss provision to assets | 0.0605% | 2,768 |
| Net operating income to assets | 1.4008% | 1,491 |
| Return on assets (ROA) | 1.3620% | 1,619 |
| Pretax return on assets | 1.3620% | 2,372 |
| Return on Equity (ROE) | 17.3833% | 500 |
| Retained earnings to average equity (ytd only) | 3.1719% | 4,161 |
| Net charge-offs to loans | 0.1055% | 1,435 |
| Credit loss provision to net charge-offs | 81.5217% | 2,512 |
| Earnings coverage of net charge-offs (x) | 19.6854% | 1,990 |
| Efficiency ratio | 67.9469% | 2,550 |
| Assets per employee ($millions) | 3.7439% | 4,245 |
| Cash dividends to net income (ytd only)* | 81.7534% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 4,500 |
| Loan loss allowance to noncurrent loans | 81.5768% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.0362% | 1,402 |
| Noncurrent loans to loans | 1.0268% | 1,671 |
| Net loans and leases to total assets | 70.6434% | 2,548 |
| Net loans and leases to deposits | 78.5169% | 3,189 |
| Net loans and leases to core deposits | 86.4526% | 2,959 |
| Total domestic deposits to total assets | 89.9723% | 517 |
| Equity capital to assets | 7.9243% | 5,201 |
| Core capital (leverage) ratio | 8.7462% | 4,926 |
| Tier 1 risk-based capital ratio | 11.4265% | 4,837 |
| Total risk-based capital ratio | 12.1975% | 4,963 |
| Memoranda: | ||
| Average total assets | $165,238,250 | 3,242 |
| Average earning assets | $149,841,500 | 3,273 |
| Average equity | $12,947,000 | 3,920 |
| Average total loans | $116,280,500 | 3,065 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 1,356 |
| Cost of funding earning assets | 0.4406% | 3,423 |
| Net interest margin | 4.3190% | 1,002 |
| Noninterest income to average assets | 0.4728% | 3,019 |
| Noninterest expense to average assets | 3.0555% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3409% | 1,632 |
| Return on assets (ROA) | 1.2962% | 1,781 |
| Pretax return on assets | 1.2962% | 2,531 |
| Return on Equity (ROE) | 16.6056% | 573 |
| Retained earnings to average equity (ytd only) | -2.0602% | 5,152 |
| Net charge-offs to loans | 0.1259% | 1,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 15.1918% | 2,057 |
| Efficiency ratio | 69.4994% | 2,393 |
| Assets per employee ($millions) | 3.6297% | 4,425 |
| Cash dividends to net income (ytd only)* | 112.4067% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 4,580 |
| Loan loss allowance to noncurrent loans | 22.2462% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 2.7012% | 300 |
| Noncurrent loans to loans | 3.7666% | 248 |
| Net loans and leases to total assets | 68.6891% | 2,765 |
| Net loans and leases to deposits | 76.2322% | 3,303 |
| Net loans and leases to core deposits | 83.8124% | 3,096 |
| Total domestic deposits to total assets | 90.1051% | 535 |
| Equity capital to assets | 7.9169% | 5,253 |
| Core capital (leverage) ratio | 8.3816% | 5,179 |
| Tier 1 risk-based capital ratio | 11.4389% | 4,811 |
| Total risk-based capital ratio | 12.1895% | 4,977 |
| Memoranda: | ||
| Average total assets | $165,406,670 | 3,263 |
| Average earning assets | $150,266,330 | 3,289 |
| Average equity | $12,911,330 | 3,942 |
| Average total loans | $115,922,000 | 3,083 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 1,629 |
| Cost of funding earning assets | 0.4222% | 3,426 |
| Net interest margin | 4.1581% | 1,276 |
| Noninterest income to average assets | 0.4683% | 3,003 |
| Noninterest expense to average assets | 2.9740% | 2,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3337% | 1,528 |
| Return on assets (ROA) | 1.3099% | 1,617 |
| Pretax return on assets | 1.3099% | 2,327 |
| Return on Equity (ROE) | 16.8954% | 522 |
| Retained earnings to average equity (ytd only) | 2.3917% | 4,211 |
| Net charge-offs to loans | 0.2058% | 716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.1967% | 1,980 |
| Efficiency ratio | 69.0397% | 2,659 |
| Assets per employee ($millions) | 3.6398% | 4,486 |
| Cash dividends to net income (ytd only)* | 85.8439% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 4,784 |
| Loan loss allowance to noncurrent loans | 22.5558% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.6314% | 337 |
| Noncurrent loans to loans | 3.5592% | 290 |
| Net loans and leases to total assets | 70.8370% | 2,355 |
| Net loans and leases to deposits | 78.6023% | 2,952 |
| Net loans and leases to core deposits | 86.2030% | 2,790 |
| Total domestic deposits to total assets | 90.1209% | 612 |
| Equity capital to assets | 7.8118% | 5,324 |
| Core capital (leverage) ratio | 8.3891% | 5,211 |
| Tier 1 risk-based capital ratio | 11.0466% | 5,108 |
| Total risk-based capital ratio | 11.7701% | 5,255 |
| Memoranda: | ||
| Average total assets | $168,256,000 | 3,265 |
| Average earning assets | $155,358,500 | 3,260 |
| Average equity | $13,045,000 | 3,958 |
| Average total loans | $118,568,500 | 3,082 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 2,531 |
| Cost of funding earning assets | 0.4335% | 2,927 |
| Net interest margin | 3.8082% | 2,394 |
| Noninterest income to average assets | 0.4648% | 3,221 |
| Noninterest expense to average assets | 2.7171% | 3,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1715% | 1,612 |
| Return on assets (ROA) | 1.0728% | 1,987 |
| Pretax return on assets | 1.0660% | 3,316 |
| Return on Equity (ROE) | 15.1442% | 589 |
| Retained earnings to average equity (ytd only) | 2.8662% | 3,600 |
| Net charge-offs to loans | 0.0954% | 2,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 21.0515% | 1,930 |
| Efficiency ratio | 69.9971% | 2,546 |
| Assets per employee ($millions) | 3.9255% | 4,083 |
| Cash dividends to net income (ytd only)* | 81.0739% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 4,730 |
| Loan loss allowance to noncurrent loans | 57.1102% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.1232% | 1,330 |
| Noncurrent loans to loans | 1.4571% | 1,175 |
| Net loans and leases to total assets | 68.9976% | 2,686 |
| Net loans and leases to deposits | 76.2201% | 3,308 |
| Net loans and leases to core deposits | 83.8734% | 3,063 |
| Total domestic deposits to total assets | 90.5241% | 387 |
| Equity capital to assets | 7.6973% | 5,486 |
| Core capital (leverage) ratio | 8.0796% | 5,403 |
| Tier 1 risk-based capital ratio | 10.8721% | 5,221 |
| Total risk-based capital ratio | 11.6346% | 5,329 |
| Memoranda: | ||
| Average total assets | $175,334,200 | 3,173 |
| Average earning assets | $157,320,200 | 3,231 |
| Average equity | $12,420,600 | 4,068 |
| Average total loans | $101,651,000 | 3,320 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1074% | 2,968 |
| Cost of funding earning assets | 0.4388% | 2,819 |
| Net interest margin | 3.6686% | 2,872 |
| Noninterest income to average assets | 0.4667% | 3,236 |
| Noninterest expense to average assets | 2.6729% | 3,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0841% | 2,157 |
| Return on assets (ROA) | 1.0834% | 2,217 |
| Pretax return on assets | 1.0743% | 3,406 |
| Return on Equity (ROE) | 15.6255% | 571 |
| Retained earnings to average equity (ytd only) | 1.3113% | 4,882 |
| Net charge-offs to loans | 0.1141% | 1,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 17.0970% | 2,122 |
| Efficiency ratio | 71.3159% | 2,321 |
| Assets per employee ($millions) | 4.1442% | 3,751 |
| Cash dividends to net income (ytd only)* | 91.6082% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 4,609 |
| Loan loss allowance to noncurrent loans | 62.4000% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.0180% | 1,660 |
| Noncurrent loans to loans | 1.4281% | 1,309 |
| Net loans and leases to total assets | 63.2837% | 3,517 |
| Net loans and leases to deposits | 69.4813% | 4,001 |
| Net loans and leases to core deposits | 76.6972% | 3,752 |
| Total domestic deposits to total assets | 91.0802% | 167 |
| Equity capital to assets | 7.1701% | 5,649 |
| Core capital (leverage) ratio | 8.0781% | 5,489 |
| Tier 1 risk-based capital ratio | 11.0789% | 5,198 |
| Total risk-based capital ratio | 11.8843% | 5,331 |
| Memoranda: | ||
| Average total assets | $175,987,250 | 3,199 |
| Average earning assets | $157,403,500 | 3,264 |
| Average equity | $12,202,000 | 4,143 |
| Average total loans | $97,020,250 | 3,427 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 2,819 |
| Cost of funding earning assets | 0.4527% | 2,575 |
| Net interest margin | 3.6498% | 2,840 |
| Noninterest income to average assets | 0.4394% | 3,424 |
| Noninterest expense to average assets | 2.6511% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0317% | 2,287 |
| Return on assets (ROA) | 1.0488% | 2,255 |
| Pretax return on assets | 1.0351% | 3,424 |
| Return on Equity (ROE) | 15.3035% | 621 |
| Retained earnings to average equity (ytd only) | -1.8984% | 5,339 |
| Net charge-offs to loans | 0.1837% | 1,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 10.6190% | 2,334 |
| Efficiency ratio | 72.2551% | 2,292 |
| Assets per employee ($millions) | 4.3414% | 3,361 |
| Cash dividends to net income (ytd only)* | 112.4048% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 3,591 |
| Loan loss allowance to noncurrent loans | 65.6939% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 0.9062% | 1,954 |
| Noncurrent loans to loans | 1.6723% | 1,093 |
| Net loans and leases to total assets | 47.7406% | 4,839 |
| Net loans and leases to deposits | 51.9719% | 5,060 |
| Net loans and leases to core deposits | 57.0226% | 4,954 |
| Total domestic deposits to total assets | 91.8584% | 84 |
| Equity capital to assets | 6.5569% | 5,732 |
| Core capital (leverage) ratio | 8.0424% | 5,505 |
| Tier 1 risk-based capital ratio | 12.4667% | 4,323 |
| Total risk-based capital ratio | 13.3875% | 4,420 |
| Memoranda: | ||
| Average total assets | $175,250,000 | 3,222 |
| Average earning assets | $155,076,330 | 3,302 |
| Average equity | $12,010,330 | 4,184 |
| Average total loans | $91,432,000 | 3,550 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 2,703 |
| Cost of funding earning assets | 0.4598% | 2,433 |
| Net interest margin | 3.6262% | 2,796 |
| Noninterest income to average assets | 0.4374% | 3,396 |
| Noninterest expense to average assets | 2.7843% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9990% | 2,310 |
| Return on assets (ROA) | 0.9990% | 2,358 |
| Pretax return on assets | 0.9703% | 3,494 |
| Return on Equity (ROE) | 14.2262% | 761 |
| Retained earnings to average equity (ytd only) | 1.0210% | 4,654 |
| Net charge-offs to loans | 0.0132% | 2,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 135.3333% | 405 |
| Efficiency ratio | 74.1566% | 2,207 |
| Assets per employee ($millions) | 3.7193% | 4,468 |
| Cash dividends to net income (ytd only)* | 92.8230% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 2,928 |
| Loan loss allowance to noncurrent loans | 71.0851% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.0324% | 1,756 |
| Noncurrent loans to loans | 1.7333% | 1,105 |
| Net loans and leases to total assets | 52.3971% | 4,478 |
| Net loans and leases to deposits | 57.4685% | 4,737 |
| Net loans and leases to core deposits | 63.9849% | 4,538 |
| Total domestic deposits to total assets | 91.1752% | 250 |
| Equity capital to assets | 7.0258% | 5,752 |
| Core capital (leverage) ratio | 8.3782% | 5,323 |
| Tier 1 risk-based capital ratio | 13.6535% | 3,680 |
| Total risk-based capital ratio | 14.7313% | 3,699 |
| Memoranda: | ||
| Average total assets | $167,365,000 | 3,335 |
| Average earning assets | $153,108,000 | 3,362 |
| Average equity | $11,753,000 | 4,258 |
| Average total loans | $91,044,500 | 3,574 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 2,910 |
| Cost of funding earning assets | 0.4765% | 2,291 |
| Net interest margin | 3.6098% | 3,041 |
| Noninterest income to average assets | 0.6219% | 2,544 |
| Noninterest expense to average assets | 2.8426% | 2,868 |
| Loan and lease loss provision to assets | 0.0299% | 3,753 |
| Net operating income to assets | 1.0527% | 2,128 |
| Return on assets (ROA) | 1.3131% | 1,242 |
| Pretax return on assets | 1.3137% | 2,237 |
| Return on Equity (ROE) | 16.5139% | 454 |
| Retained earnings to average equity (ytd only) | -1.0218% | 5,445 |
| Net charge-offs to loans | 0.0638% | 2,787 |
| Credit loss provision to net charge-offs | 84.7458% | 2,899 |
| Earnings coverage of net charge-offs (x) | 30.7288% | 1,412 |
| Efficiency ratio | 72.4091% | 2,523 |
| Assets per employee ($millions) | 3.8036% | 4,305 |
| Cash dividends to net income (ytd only)* | 106.1874% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 3,271 |
| Loan loss allowance to noncurrent loans | 78.8641% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 0.9524% | 1,991 |
| Noncurrent loans to loans | 1.4909% | 1,350 |
| Net loans and leases to total assets | 55.0914% | 4,340 |
| Net loans and leases to deposits | 60.2771% | 4,654 |
| Net loans and leases to core deposits | 67.0933% | 4,460 |
| Total domestic deposits to total assets | 91.3970% | 184 |
| Equity capital to assets | 7.0190% | 5,795 |
| Core capital (leverage) ratio | 8.4560% | 5,304 |
| Tier 1 risk-based capital ratio | 12.8639% | 4,157 |
| Total risk-based capital ratio | 13.8844% | 4,191 |
| Memoranda: | ||
| Average total assets | $167,384,800 | 3,315 |
| Average earning assets | $153,192,800 | 3,335 |
| Average equity | $13,310,000 | 4,055 |
| Average total loans | $92,493,000 | 3,525 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0747% | 2,971 |
| Cost of funding earning assets | 0.4784% | 2,283 |
| Net interest margin | 3.5963% | 3,087 |
| Noninterest income to average assets | 0.6826% | 2,253 |
| Noninterest expense to average assets | 2.8348% | 2,891 |
| Loan and lease loss provision to assets | 0.0398% | 3,444 |
| Net operating income to assets | 1.1064% | 1,969 |
| Return on assets (ROA) | 1.4465% | 1,028 |
| Pretax return on assets | 1.4473% | 1,890 |
| Return on Equity (ROE) | 17.6725% | 381 |
| Retained earnings to average equity (ytd only) | -0.5644% | 5,444 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1942% | 2,704 |
| Assets per employee ($millions) | 3.6866% | 4,498 |
| Cash dividends to net income (ytd only)* | 103.1938% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,827 |
| Loan loss allowance to noncurrent loans | 41.0366% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 1.8932% | 850 |
| Noncurrent loans to loans | 3.1019% | 471 |
| Net loans and leases to total assets | 55.2721% | 4,379 |
| Net loans and leases to deposits | 61.3940% | 4,669 |
| Net loans and leases to core deposits | 68.2017% | 4,456 |
| Total domestic deposits to total assets | 90.0285% | 474 |
| Equity capital to assets | 8.3021% | 5,623 |
| Core capital (leverage) ratio | 8.2321% | 5,551 |
| Tier 1 risk-based capital ratio | 12.8127% | 4,270 |
| Total risk-based capital ratio | 13.8778% | 4,297 |
| Memoranda: | ||
| Average total assets | $167,391,000 | 3,331 |
| Average earning assets | $153,563,500 | 3,342 |
| Average equity | $13,700,750 | 4,020 |
| Average total loans | $92,291,750 | 3,543 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0370% | 3,113 |
| Cost of funding earning assets | 0.4748% | 2,317 |
| Net interest margin | 3.5622% | 3,241 |
| Noninterest income to average assets | 0.7983% | 1,723 |
| Noninterest expense to average assets | 2.7673% | 3,145 |
| Loan and lease loss provision to assets | 0.0591% | 2,959 |
| Net operating income to assets | 1.2358% | 1,483 |
| Return on assets (ROA) | 1.5575% | 836 |
| Pretax return on assets | 1.5587% | 1,495 |
| Return on Equity (ROE) | 19.1165% | 287 |
| Retained earnings to average equity (ytd only) | -2.9321% | 5,626 |
| Net charge-offs to loans | 0.0022% | 3,635 |
| Credit loss provision to net charge-offs | 5,000.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 1,096.0000% | 43 |
| Efficiency ratio | 68.1024% | 3,322 |
| Assets per employee ($millions) | 3.9681% | 3,972 |
| Cash dividends to net income (ytd only)* | 115.3379% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 3,015 |
| Loan loss allowance to noncurrent loans | 99.3976% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.8434% | 2,484 |
| Noncurrent loans to loans | 1.2672% | 1,799 |
| Net loans and leases to total assets | 53.0625% | 4,581 |
| Net loans and leases to deposits | 58.7510% | 4,864 |
| Net loans and leases to core deposits | 64.9116% | 4,685 |
| Total domestic deposits to total assets | 90.3176% | 381 |
| Equity capital to assets | 8.0678% | 5,784 |
| Core capital (leverage) ratio | 7.9195% | 5,772 |
| Tier 1 risk-based capital ratio | 12.7387% | 4,357 |
| Total risk-based capital ratio | 13.8077% | 4,390 |
| Memoranda: | ||
| Average total assets | $169,117,330 | 3,318 |
| Average earning assets | $155,015,670 | 3,333 |
| Average equity | $13,778,670 | 4,020 |
| Average total loans | $92,784,330 | 3,552 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0873% | 2,892 |
| Cost of funding earning assets | 0.4760% | 2,317 |
| Net interest margin | 3.6113% | 3,041 |
| Noninterest income to average assets | 1.1452% | 840 |
| Noninterest expense to average assets | 2.8344% | 2,939 |
| Loan and lease loss provision to assets | 0.1188% | 1,776 |
| Net operating income to assets | 1.5063% | 842 |
| Return on assets (ROA) | 1.8959% | 427 |
| Pretax return on assets | 1.8983% | 691 |
| Return on Equity (ROE) | 23.1556% | 123 |
| Retained earnings to average equity (ytd only) | 2.5245% | 4,243 |
| Net charge-offs to loans | 0.0043% | 2,975 |
| Credit loss provision to net charge-offs | 5,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 685.0000% | 68 |
| Efficiency ratio | 63.5250% | 4,209 |
| Assets per employee ($millions) | 3.9541% | 4,035 |
| Cash dividends to net income (ytd only)* | 89.0977% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 3,141 |
| Loan loss allowance to noncurrent loans | 60.0937% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 1,690 |
| Noncurrent loans to loans | 2.0904% | 1,009 |
| Net loans and leases to total assets | 53.3971% | 4,506 |
| Net loans and leases to deposits | 59.2204% | 4,767 |
| Net loans and leases to core deposits | 65.4656% | 4,578 |
| Total domestic deposits to total assets | 90.1668% | 535 |
| Equity capital to assets | 8.2152% | 5,737 |
| Core capital (leverage) ratio | 8.1972% | 5,654 |
| Tier 1 risk-based capital ratio | 13.4954% | 3,980 |
| Total risk-based capital ratio | 14.6047% | 3,993 |
| Memoranda: | ||
| Average total assets | $168,361,500 | 3,354 |
| Average earning assets | $154,625,000 | 3,357 |
| Average equity | $13,785,000 | 4,031 |
| Average total loans | $93,329,000 | 3,548 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9400% | 3,564 |
| Cost of funding earning assets | 0.5252% | 1,957 |
| Net interest margin | 3.4148% | 3,852 |
| Noninterest income to average assets | 0.4336% | 3,795 |
| Noninterest expense to average assets | 2.5985% | 3,927 |
| Loan and lease loss provision to assets | 0.2377% | 810 |
| Net operating income to assets | 0.6787% | 3,910 |
| Return on assets (ROA) | 0.7377% | 3,730 |
| Pretax return on assets | 0.7480% | 4,372 |
| Return on Equity (ROE) | 9.8069% | 2,082 |
| Retained earnings to average equity (ytd only) | 3.5329% | 3,547 |
| Net charge-offs to loans | 0.2590% | 1,167 |
| Credit loss provision to net charge-offs | 170.7819% | 1,583 |
| Earnings coverage of net charge-offs (x) | 6.6543% | 3,192 |
| Efficiency ratio | 73.7244% | 2,626 |
| Assets per employee ($millions) | 3.7886% | 4,306 |
| Cash dividends to net income (ytd only)* | 63.9752% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 3,664 |
| Loan loss allowance to noncurrent loans | 79.5683% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9862% | 2,231 |
| Noncurrent loans to loans | 1.4676% | 1,588 |
| Net loans and leases to total assets | 56.1546% | 4,287 |
| Net loans and leases to deposits | 62.3401% | 4,608 |
| Net loans and leases to core deposits | 68.9806% | 4,380 |
| Total domestic deposits to total assets | 90.0778% | 603 |
| Equity capital to assets | 8.1597% | 5,778 |
| Core capital (leverage) ratio | 8.1499% | 5,734 |
| Tier 1 risk-based capital ratio | 12.6455% | 4,551 |
| Total risk-based capital ratio | 13.6470% | 4,594 |
| Memoranda: | ||
| Average total assets | $174,599,800 | 3,237 |
| Average earning assets | $158,047,200 | 3,279 |
| Average equity | $13,133,600 | 4,115 |
| Average total loans | $93,817,800 | 3,508 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 3,810 |
| Cost of funding earning assets | 0.5376% | 1,909 |
| Net interest margin | 3.3428% | 4,168 |
| Noninterest income to average assets | 0.4281% | 3,884 |
| Noninterest expense to average assets | 2.5431% | 4,072 |
| Loan and lease loss provision to assets | 0.3134% | 453 |
| Net operating income to assets | 0.5764% | 4,497 |
| Return on assets (ROA) | 0.6282% | 4,356 |
| Pretax return on assets | 0.6388% | 4,871 |
| Return on Equity (ROE) | 8.5223% | 2,812 |
| Retained earnings to average equity (ytd only) | 0.0820% | 5,575 |
| Net charge-offs to loans | -0.0185% | 5,186 |
| Credit loss provision to net charge-offs | -3,192.3077% | 5,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8758% | 2,576 |
| Assets per employee ($millions) | 3.8000% | 4,265 |
| Cash dividends to net income (ytd only)* | 99.0381% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 2,297 |
| Loan loss allowance to noncurrent loans | 90.0794% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.0532% | 2,248 |
| Noncurrent loans to loans | 1.6282% | 1,513 |
| Net loans and leases to total assets | 53.5087% | 4,615 |
| Net loans and leases to deposits | 59.0127% | 4,920 |
| Net loans and leases to core deposits | 65.1262% | 4,751 |
| Total domestic deposits to total assets | 90.6732% | 347 |
| Equity capital to assets | 7.6280% | 6,052 |
| Core capital (leverage) ratio | 7.7476% | 5,999 |
| Tier 1 risk-based capital ratio | 12.4349% | 4,803 |
| Total risk-based capital ratio | 13.6849% | 4,711 |
| Memoranda: | ||
| Average total assets | $176,575,500 | 3,239 |
| Average earning assets | $159,226,000 | 3,294 |
| Average equity | $13,016,500 | 4,180 |
| Average total loans | $93,593,750 | 3,543 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8123% | 4,019 |
| Cost of funding earning assets | 0.5606% | 1,728 |
| Net interest margin | 3.2516% | 4,492 |
| Noninterest income to average assets | 0.4080% | 4,027 |
| Noninterest expense to average assets | 2.4726% | 4,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8488% | 3,131 |
| Return on assets (ROA) | 0.8765% | 3,116 |
| Pretax return on assets | 0.8888% | 3,994 |
| Return on Equity (ROE) | 12.0240% | 1,363 |
| Retained earnings to average equity (ytd only) | 3.9670% | 3,486 |
| Net charge-offs to loans | -0.0192% | 5,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1762% | 2,658 |
| Assets per employee ($millions) | 4.1811% | 3,504 |
| Cash dividends to net income (ytd only)* | 67.0077% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 4,878 |
| Loan loss allowance to noncurrent loans | 73.3281% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 0.8414% | 2,874 |
| Noncurrent loans to loans | 1.3626% | 1,983 |
| Net loans and leases to total assets | 49.6588% | 4,968 |
| Net loans and leases to deposits | 54.2342% | 5,239 |
| Net loans and leases to core deposits | 59.2632% | 5,119 |
| Total domestic deposits to total assets | 91.5636% | 174 |
| Equity capital to assets | 6.8760% | 6,208 |
| Core capital (leverage) ratio | 7.7669% | 6,027 |
| Tier 1 risk-based capital ratio | 12.2661% | 4,959 |
| Total risk-based capital ratio | 13.1068% | 5,141 |
| Memoranda: | ||
| Average total assets | $178,433,330 | 3,236 |
| Average earning assets | $160,534,670 | 3,298 |
| Average equity | $13,007,330 | 4,211 |
| Average total loans | $93,837,330 | 3,556 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 3,835 |
| Cost of funding earning assets | 0.5705% | 1,658 |
| Net interest margin | 3.2771% | 4,314 |
| Noninterest income to average assets | 0.4056% | 3,958 |
| Noninterest expense to average assets | 2.5695% | 4,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8411% | 3,057 |
| Return on assets (ROA) | 0.9010% | 2,861 |
| Pretax return on assets | 0.9010% | 3,890 |
| Return on Equity (ROE) | 11.9916% | 1,354 |
| Retained earnings to average equity (ytd only) | 0.5214% | 5,216 |
| Net charge-offs to loans | -0.0641% | 5,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3378% | 2,603 |
| Assets per employee ($millions) | 3.9098% | 4,141 |
| Cash dividends to net income (ytd only)* | 95.6522% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 4,954 |
| Loan loss allowance to noncurrent loans | 166.4912% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 4,054 |
| Noncurrent loans to loans | 0.6080% | 3,751 |
| Net loans and leases to total assets | 52.7458% | 4,584 |
| Net loans and leases to deposits | 57.9256% | 4,921 |
| Net loans and leases to core deposits | 65.0826% | 4,607 |
| Total domestic deposits to total assets | 91.0578% | 345 |
| Equity capital to assets | 7.4184% | 6,196 |
| Core capital (leverage) ratio | 7.6625% | 6,085 |
| Tier 1 risk-based capital ratio | 12.5313% | 4,888 |
| Total risk-based capital ratio | 13.4111% | 5,044 |
| Memoranda: | ||
| Average total assets | $173,576,000 | 3,311 |
| Average earning assets | $159,166,000 | 3,334 |
| Average equity | $13,042,500 | 4,222 |
| Average total loans | $93,568,500 | 3,574 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 3,299 |
| Cost of funding earning assets | 0.6354% | 1,513 |
| Net interest margin | 3.4718% | 3,892 |
| Noninterest income to average assets | 0.4109% | 4,104 |
| Noninterest expense to average assets | 2.5072% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0004% | 2,377 |
| Return on assets (ROA) | 1.0004% | 2,456 |
| Pretax return on assets | 1.0010% | 3,493 |
| Return on Equity (ROE) | 16.4058% | 567 |
| Retained earnings to average equity (ytd only) | 10.4600% | 448 |
| Net charge-offs to loans | 0.3305% | 1,334 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.7912% | 3,356 |
| Efficiency ratio | 71.4665% | 3,296 |
| Assets per employee ($millions) | 3.8047% | 4,335 |
| Cash dividends to net income (ytd only)* | 36.2420% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 5,058 |
| Loan loss allowance to noncurrent loans | 146.3950% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 2,732 |
| Noncurrent loans to loans | 0.6832% | 3,636 |
| Net loans and leases to total assets | 53.9992% | 4,582 |
| Net loans and leases to deposits | 59.6230% | 4,935 |
| Net loans and leases to core deposits | 67.7562% | 4,530 |
| Total domestic deposits to total assets | 90.5677% | 511 |
| Equity capital to assets | 7.6123% | 6,201 |
| Core capital (leverage) ratio | 7.8238% | 6,091 |
| Tier 1 risk-based capital ratio | 12.0882% | 5,303 |
| Total risk-based capital ratio | 12.9245% | 5,471 |
| Memoranda: | ||
| Average total assets | $171,825,200 | 3,313 |
| Average earning assets | $153,293,000 | 3,387 |
| Average equity | $10,478,000 | 4,661 |
| Average total loans | $89,862,800 | 3,631 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 3,275 |
| Cost of funding earning assets | 0.6593% | 1,395 |
| Net interest margin | 3.4657% | 3,958 |
| Noninterest income to average assets | 0.4078% | 4,183 |
| Noninterest expense to average assets | 2.4987% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9691% | 2,601 |
| Return on assets (ROA) | 0.9683% | 2,669 |
| Pretax return on assets | 0.9691% | 3,719 |
| Return on Equity (ROE) | 16.9250% | 558 |
| Retained earnings to average equity (ytd only) | 12.0466% | 412 |
| Net charge-offs to loans | 0.2457% | 1,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 7.6281% | 2,907 |
| Efficiency ratio | 72.0384% | 3,167 |
| Assets per employee ($millions) | 4.0103% | 3,858 |
| Cash dividends to net income (ytd only)* | 28.8232% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 4,398 |
| Loan loss allowance to noncurrent loans | 57.0894% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 1.2613% | 2,442 |
| Noncurrent loans to loans | 2.0436% | 1,535 |
| Net loans and leases to total assets | 52.4164% | 4,759 |
| Net loans and leases to deposits | 57.5847% | 5,132 |
| Net loans and leases to core deposits | 65.0491% | 4,793 |
| Total domestic deposits to total assets | 91.0249% | 356 |
| Equity capital to assets | 6.9599% | 6,386 |
| Core capital (leverage) ratio | 7.5274% | 6,271 |
| Tier 1 risk-based capital ratio | 11.9057% | 5,550 |
| Total risk-based capital ratio | 12.8612% | 5,649 |
| Memoranda: | ||
| Average total assets | $171,979,000 | 3,337 |
| Average earning assets | $151,882,750 | 3,435 |
| Average equity | $9,839,250 | 4,823 |
| Average total loans | $88,982,000 | 3,685 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1037% | 3,326 |
| Cost of funding earning assets | 0.6698% | 1,376 |
| Net interest margin | 3.4339% | 4,045 |
| Noninterest income to average assets | 0.3969% | 4,266 |
| Noninterest expense to average assets | 2.4758% | 4,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9393% | 2,602 |
| Return on assets (ROA) | 0.9382% | 2,715 |
| Pretax return on assets | 0.9393% | 3,728 |
| Return on Equity (ROE) | 17.6787% | 490 |
| Retained earnings to average equity (ytd only) | 10.9231% | 546 |
| Net charge-offs to loans | 0.3766% | 1,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.8675% | 3,031 |
| Efficiency ratio | 72.4702% | 3,247 |
| Assets per employee ($millions) | 4.2642% | 3,346 |
| Cash dividends to net income (ytd only)* | 38.2134% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 4,609 |
| Loan loss allowance to noncurrent loans | 66.4379% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 2,985 |
| Noncurrent loans to loans | 1.7478% | 1,973 |
| Net loans and leases to total assets | 49.4372% | 5,025 |
| Net loans and leases to deposits | 54.0124% | 5,357 |
| Net loans and leases to core deposits | 61.4499% | 5,015 |
| Total domestic deposits to total assets | 91.5293% | 258 |
| Equity capital to assets | 5.8371% | 6,544 |
| Core capital (leverage) ratio | 7.1873% | 6,397 |
| Tier 1 risk-based capital ratio | 10.9258% | 6,079 |
| Total risk-based capital ratio | 11.8276% | 6,166 |
| Memoranda: | ||
| Average total assets | $171,824,000 | 3,358 |
| Average earning assets | $151,083,000 | 3,464 |
| Average equity | $9,118,330 | 5,001 |
| Average total loans | $88,157,330 | 3,709 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0392% | 3,526 |
| Cost of funding earning assets | 0.6838% | 1,342 |
| Net interest margin | 3.3554% | 4,315 |
| Noninterest income to average assets | 0.4143% | 4,073 |
| Noninterest expense to average assets | 2.5486% | 4,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9033% | 2,629 |
| Return on assets (ROA) | 0.9033% | 2,700 |
| Pretax return on assets | 0.9033% | 3,686 |
| Return on Equity (ROE) | 18.0159% | 440 |
| Retained earnings to average equity (ytd only) | 15.5177% | 298 |
| Net charge-offs to loans | 0.8104% | 427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.1429% | 2,942 |
| Efficiency ratio | 73.8311% | 3,175 |
| Assets per employee ($millions) | 3.8348% | 4,262 |
| Cash dividends to net income (ytd only)* | 13.8667% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 4,499 |
| Loan loss allowance to noncurrent loans | 217.7320% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 4,929 |
| Noncurrent loans to loans | 0.5644% | 4,465 |
| Net loans and leases to total assets | 49.1829% | 4,981 |
| Net loans and leases to deposits | 53.3897% | 5,341 |
| Net loans and leases to core deposits | 61.4021% | 4,933 |
| Total domestic deposits to total assets | 92.1207% | 217 |
| Equity capital to assets | 5.1488% | 6,623 |
| Core capital (leverage) ratio | 7.2391% | 6,414 |
| Tier 1 risk-based capital ratio | 11.6354% | 5,839 |
| Total risk-based capital ratio | 12.6008% | 5,944 |
| Memoranda: | ||
| Average total assets | $166,055,000 | 3,463 |
| Average earning assets | $150,326,500 | 3,507 |
| Average equity | $8,326,000 | 5,212 |
| Average total loans | $86,379,000 | 3,790 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 4,871 |
| Cost of funding earning assets | 0.7354% | 1,587 |
| Net interest margin | 3.0476% | 5,453 |
| Noninterest income to average assets | 0.4360% | 4,188 |
| Noninterest expense to average assets | 2.5233% | 4,693 |
| Loan and lease loss provision to assets | 0.0582% | 3,974 |
| Net operating income to assets | 0.6249% | 4,134 |
| Return on assets (ROA) | 0.6540% | 4,114 |
| Pretax return on assets | 0.6552% | 4,682 |
| Return on Equity (ROE) | 11.2993% | 1,670 |
| Retained earnings to average equity (ytd only) | -5.0390% | 6,374 |
| Net charge-offs to loans | -0.4073% | 6,710 |
| Credit loss provision to net charge-offs | -30.4348% | 5,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6667% | 2,367 |
| Assets per employee ($millions) | 3.6260% | 4,622 |
| Cash dividends to net income (ytd only)* | 144.5958% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 3,560 |
| Loan loss allowance to noncurrent loans | 184.2814% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 4,573 |
| Noncurrent loans to loans | 0.7693% | 4,040 |
| Net loans and leases to total assets | 53.6517% | 4,633 |
| Net loans and leases to deposits | 57.9167% | 5,133 |
| Net loans and leases to core deposits | 67.4117% | 4,574 |
| Total domestic deposits to total assets | 92.6359% | 172 |
| Equity capital to assets | 4.8682% | 6,697 |
| Core capital (leverage) ratio | 6.8572% | 6,547 |
| Tier 1 risk-based capital ratio | 11.1969% | 6,077 |
| Total risk-based capital ratio | 12.3081% | 6,089 |
| Memoranda: | ||
| Average total assets | $168,347,800 | 3,437 |
| Average earning assets | $153,104,800 | 3,451 |
| Average equity | $9,744,000 | 4,907 |
| Average total loans | $79,049,400 | 3,965 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6285% | 5,364 |
| Cost of funding earning assets | 0.7327% | 1,723 |
| Net interest margin | 2.8958% | 5,827 |
| Noninterest income to average assets | 0.4386% | 4,231 |
| Noninterest expense to average assets | 2.4649% | 4,820 |
| Loan and lease loss provision to assets | 0.0766% | 3,527 |
| Net operating income to assets | 0.5339% | 4,646 |
| Return on assets (ROA) | 0.5730% | 4,600 |
| Pretax return on assets | 0.5746% | 5,116 |
| Return on Equity (ROE) | 9.5457% | 2,374 |
| Retained earnings to average equity (ytd only) | -5.8863% | 6,533 |
| Net charge-offs to loans | -0.5568% | 6,793 |
| Credit loss provision to net charge-offs | -30.4348% | 5,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1067% | 2,078 |
| Assets per employee ($millions) | 3.7956% | 4,252 |
| Cash dividends to net income (ytd only)* | 161.6642% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 3,250 |
| Loan loss allowance to noncurrent loans | 158.8387% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 4,751 |
| Noncurrent loans to loans | 0.9730% | 3,864 |
| Net loans and leases to total assets | 44.9140% | 5,637 |
| Net loans and leases to deposits | 48.2760% | 5,943 |
| Net loans and leases to core deposits | 55.3717% | 5,679 |
| Total domestic deposits to total assets | 93.0360% | 124 |
| Equity capital to assets | 4.6484% | 6,795 |
| Core capital (leverage) ratio | 6.9370% | 6,598 |
| Tier 1 risk-based capital ratio | 10.1805% | 6,543 |
| Total risk-based capital ratio | 11.1877% | 6,578 |
| Memoranda: | ||
| Average total assets | $170,548,750 | 3,433 |
| Average earning assets | $155,395,250 | 3,449 |
| Average equity | $10,238,250 | 4,837 |
| Average total loans | $77,104,500 | 4,053 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6134% | 5,394 |
| Cost of funding earning assets | 0.7481% | 1,722 |
| Net interest margin | 2.8653% | 5,858 |
| Noninterest income to average assets | 0.4374% | 4,266 |
| Noninterest expense to average assets | 2.4846% | 4,789 |
| Loan and lease loss provision to assets | 0.1158% | 2,874 |
| Net operating income to assets | 0.4480% | 5,021 |
| Return on assets (ROA) | 0.5095% | 4,925 |
| Pretax return on assets | 0.5106% | 5,332 |
| Return on Equity (ROE) | 7.8753% | 3,155 |
| Retained earnings to average equity (ytd only) | -12.8635% | 6,725 |
| Net charge-offs to loans | -0.8629% | 6,861 |
| Credit loss provision to net charge-offs | -29.7872% | 5,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4729% | 1,965 |
| Assets per employee ($millions) | 3.6706% | 4,471 |
| Cash dividends to net income (ytd only)* | 263.3411% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 3,172 |
| Loan loss allowance to noncurrent loans | 133.8378% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 4,501 |
| Noncurrent loans to loans | 1.1918% | 3,568 |
| Net loans and leases to total assets | 45.2330% | 5,614 |
| Net loans and leases to deposits | 49.1952% | 5,908 |
| Net loans and leases to core deposits | 57.0167% | 5,523 |
| Total domestic deposits to total assets | 91.9460% | 260 |
| Equity capital to assets | 5.5209% | 6,790 |
| Core capital (leverage) ratio | 6.5821% | 6,685 |
| Tier 1 risk-based capital ratio | 11.8676% | 5,866 |
| Total risk-based capital ratio | 13.0728% | 5,850 |
| Memoranda: | ||
| Average total assets | $169,199,000 | 3,476 |
| Average earning assets | $154,258,330 | 3,485 |
| Average equity | $10,945,670 | 4,737 |
| Average total loans | $76,256,000 | 4,095 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6048% | 5,441 |
| Cost of funding earning assets | 0.7496% | 1,853 |
| Net interest margin | 2.8552% | 5,899 |
| Noninterest income to average assets | 0.4180% | 4,324 |
| Noninterest expense to average assets | 2.4396% | 4,982 |
| Loan and lease loss provision to assets | 0.2314% | 1,581 |
| Net operating income to assets | 0.3802% | 5,211 |
| Return on assets (ROA) | 0.5007% | 4,809 |
| Pretax return on assets | 0.5030% | 5,245 |
| Return on Equity (ROE) | 7.2124% | 3,372 |
| Retained earnings to average equity (ytd only) | -12.6898% | 6,695 |
| Net charge-offs to loans | -0.0106% | 5,464 |
| Credit loss provision to net charge-offs | -4,900.0000% | 5,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8917% | 2,349 |
| Assets per employee ($millions) | 3.7477% | 4,454 |
| Cash dividends to net income (ytd only)* | 275.9434% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 4,977 |
| Loan loss allowance to noncurrent loans | 55.2456% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 1.1443% | 3,654 |
| Noncurrent loans to loans | 2.2519% | 2,327 |
| Net loans and leases to total assets | 43.8553% | 5,680 |
| Net loans and leases to deposits | 48.3015% | 5,902 |
| Net loans and leases to core deposits | 56.4443% | 5,483 |
| Total domestic deposits to total assets | 90.7950% | 617 |
| Equity capital to assets | 6.6805% | 6,763 |
| Core capital (leverage) ratio | 7.3087% | 6,540 |
| Tier 1 risk-based capital ratio | 12.7530% | 5,402 |
| Total risk-based capital ratio | 13.6808% | 5,567 |
| Memoranda: | ||
| Average total assets | $169,374,500 | 3,513 |
| Average earning assets | $156,345,000 | 3,496 |
| Average equity | $11,757,500 | 4,618 |
| Average total loans | $75,577,500 | 4,144 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7051% | 6,041 |
| Cost of funding earning assets | 0.6771% | 3,670 |
| Net interest margin | 3.0280% | 5,983 |
| Noninterest income to average assets | 0.4316% | 4,373 |
| Noninterest expense to average assets | 2.4690% | 5,197 |
| Loan and lease loss provision to assets | 0.2612% | 2,555 |
| Net operating income to assets | 0.5098% | 4,643 |
| Return on assets (ROA) | 1.2493% | 1,609 |
| Pretax return on assets | 1.2512% | 2,600 |
| Return on Equity (ROE) | 15.6613% | 713 |
| Retained earnings to average equity (ytd only) | 4.0498% | 3,367 |
| Net charge-offs to loans | 1.2640% | 777 |
| Credit loss provision to net charge-offs | 45.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | 1.3315% | 4,795 |
| Efficiency ratio | 76.1580% | 2,716 |
| Assets per employee ($millions) | 3.7793% | 4,410 |
| Cash dividends to net income (ytd only)* | 74.1414% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 5,811 |
| Loan loss allowance to noncurrent loans | 51.0384% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 1.0509% | 3,930 |
| Noncurrent loans to loans | 2.0391% | 2,656 |
| Net loans and leases to total assets | 44.3578% | 5,787 |
| Net loans and leases to deposits | 49.1085% | 6,023 |
| Net loans and leases to core deposits | 56.8111% | 5,649 |
| Total domestic deposits to total assets | 90.3261% | 784 |
| Equity capital to assets | 7.1895% | 6,725 |
| Core capital (leverage) ratio | 7.6582% | 6,428 |
| Tier 1 risk-based capital ratio | 12.6430% | 5,369 |
| Total risk-based capital ratio | 13.4382% | 5,620 |
| Memoranda: | ||
| Average total assets | $158,485,400 | 3,645 |
| Average earning assets | $147,093,800 | 3,605 |
| Average equity | $12,642,600 | 4,434 |
| Average total loans | $72,782,800 | 4,243 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7204% | 6,191 |
| Cost of funding earning assets | 0.6534% | 4,164 |
| Net interest margin | 3.0670% | 6,023 |
| Noninterest income to average assets | 0.4501% | 4,290 |
| Noninterest expense to average assets | 2.5072% | 5,056 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7941% | 3,481 |
| Return on assets (ROA) | 1.2105% | 1,878 |
| Pretax return on assets | 1.2122% | 2,946 |
| Return on Equity (ROE) | 14.7648% | 940 |
| Retained earnings to average equity (ytd only) | 4.0487% | 4,040 |
| Net charge-offs to loans | 0.2704% | 3,105 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 6.3655% | 2,807 |
| Efficiency ratio | 75.9071% | 2,694 |
| Assets per employee ($millions) | 3.7716% | 4,373 |
| Cash dividends to net income (ytd only)* | 72.5783% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 3,672 |
| Loan loss allowance to noncurrent loans | 65.5115% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 3,832 |
| Noncurrent loans to loans | 2.3889% | 2,415 |
| Net loans and leases to total assets | 44.4197% | 5,932 |
| Net loans and leases to deposits | 49.5773% | 6,142 |
| Net loans and leases to core deposits | 56.9681% | 5,813 |
| Total domestic deposits to total assets | 89.5969% | 1,074 |
| Equity capital to assets | 7.9536% | 6,615 |
| Core capital (leverage) ratio | 7.6847% | 6,536 |
| Tier 1 risk-based capital ratio | 13.6088% | 4,804 |
| Total risk-based capital ratio | 14.8568% | 4,770 |
| Memoranda: | ||
| Average total assets | $154,644,250 | 3,745 |
| Average earning assets | $143,850,750 | 3,694 |
| Average equity | $12,678,500 | 4,467 |
| Average total loans | $71,496,750 | 4,344 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 6,208 |
| Cost of funding earning assets | 0.6181% | 4,735 |
| Net interest margin | 3.1516% | 5,862 |
| Noninterest income to average assets | 0.4640% | 4,173 |
| Noninterest expense to average assets | 2.5783% | 4,849 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8179% | 3,311 |
| Return on assets (ROA) | 1.1639% | 2,036 |
| Pretax return on assets | 1.1652% | 3,061 |
| Return on Equity (ROE) | 14.0424% | 1,105 |
| Retained earnings to average equity (ytd only) | 1.8073% | 5,290 |
| Net charge-offs to loans | 0.3723% | 2,530 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.7176% | 3,006 |
| Efficiency ratio | 75.8876% | 2,759 |
| Assets per employee ($millions) | 3.2882% | 5,472 |
| Cash dividends to net income (ytd only)* | 87.1298% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6454% | 3,439 |
| Loan loss allowance to noncurrent loans | 64.6322% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.3857% | 3,654 |
| Noncurrent loans to loans | 2.5459% | 2,367 |
| Net loans and leases to total assets | 46.8689% | 5,737 |
| Net loans and leases to deposits | 52.7635% | 5,972 |
| Net loans and leases to core deposits | 60.0434% | 5,584 |
| Total domestic deposits to total assets | 88.8282% | 1,619 |
| Equity capital to assets | 8.2965% | 6,382 |
| Core capital (leverage) ratio | 8.1457% | 6,103 |
| Tier 1 risk-based capital ratio | 14.1836% | 4,318 |
| Total risk-based capital ratio | 15.4320% | 4,282 |
| Memoranda: | ||
| Average total assets | $150,875,330 | 3,825 |
| Average earning assets | $140,438,000 | 3,779 |
| Average equity | $12,505,000 | 4,497 |
| Average total loans | $70,366,670 | 4,407 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 6,266 |
| Cost of funding earning assets | 0.5716% | 5,344 |
| Net interest margin | 3.2179% | 5,739 |
| Noninterest income to average assets | 0.4752% | 4,108 |
| Noninterest expense to average assets | 2.5723% | 4,917 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8919% | 2,958 |
| Return on assets (ROA) | 1.0193% | 2,595 |
| Pretax return on assets | 1.0193% | 3,609 |
| Return on Equity (ROE) | 12.3047% | 1,579 |
| Retained earnings to average equity (ytd only) | 9.4849% | 1,417 |
| Net charge-offs to loans | 0.5870% | 1,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.2941% | 2,891 |
| Efficiency ratio | 74.2529% | 3,062 |
| Assets per employee ($millions) | 3.3146% | 5,529 |
| Cash dividends to net income (ytd only)* | 22.9167% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8091% | 2,964 |
| Loan loss allowance to noncurrent loans | 58.4135% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 1.4850% | 3,640 |
| Noncurrent loans to loans | 3.0970% | 2,071 |
| Net loans and leases to total assets | 44.2128% | 5,990 |
| Net loans and leases to deposits | 49.7180% | 6,163 |
| Net loans and leases to core deposits | 52.6208% | 6,155 |
| Total domestic deposits to total assets | 88.9272% | 1,743 |
| Equity capital to assets | 8.3643% | 6,207 |
| Core capital (leverage) ratio | 8.1629% | 6,076 |
| Tier 1 risk-based capital ratio | 15.8768% | 3,233 |
| Total risk-based capital ratio | 17.1264% | 3,208 |
| Memoranda: | ||
| Average total assets | $150,685,000 | 3,859 |
| Average earning assets | $139,966,500 | 3,817 |
| Average equity | $12,483,000 | 4,512 |
| Average total loans | $69,511,000 | 4,462 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 6,466 |
| Cost of funding earning assets | 0.6080% | 6,058 |
| Net interest margin | 3.3850% | 5,528 |
| Noninterest income to average assets | 0.3848% | 4,747 |
| Noninterest expense to average assets | 2.7742% | 4,454 |
| Loan and lease loss provision to assets | 0.3707% | 2,765 |
| Net operating income to assets | 0.3728% | 4,981 |
| Return on assets (ROA) | 0.7414% | 3,457 |
| Pretax return on assets | 0.7414% | 4,184 |
| Return on Equity (ROE) | 8.8954% | 2,500 |
| Retained earnings to average equity (ytd only) | 5.9078% | 2,072 |
| Net charge-offs to loans | 0.2448% | 4,249 |
| Credit loss provision to net charge-offs | 299.4318% | 787 |
| Earnings coverage of net charge-offs (x) | 6.0057% | 2,622 |
| Efficiency ratio | 78.8642% | 2,476 |
| Assets per employee ($millions) | 3.4594% | 5,115 |
| Cash dividends to net income (ytd only)* | 33.5863% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8327% | 2,768 |
| Loan loss allowance to noncurrent loans | 72.7223% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.2785% | 4,085 |
| Noncurrent loans to loans | 2.5202% | 2,613 |
| Net loans and leases to total assets | 46.3452% | 5,989 |
| Net loans and leases to deposits | 52.1243% | 6,200 |
| Net loans and leases to core deposits | 57.8127% | 6,009 |
| Total domestic deposits to total assets | 88.9128% | 1,603 |
| Equity capital to assets | 8.2057% | 6,433 |
| Core capital (leverage) ratio | 8.2489% | 5,928 |
| Tier 1 risk-based capital ratio | 15.0807% | 3,594 |
| Total risk-based capital ratio | 16.3302% | 3,557 |
| Memoranda: | ||
| Average total assets | $142,168,800 | 3,937 |
| Average earning assets | $131,579,000 | 3,901 |
| Average equity | $11,848,800 | 4,583 |
| Average total loans | $71,891,000 | 4,415 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 6,502 |
| Cost of funding earning assets | 0.6198% | 6,186 |
| Net interest margin | 3.4303% | 5,464 |
| Noninterest income to average assets | 0.3418% | 5,127 |
| Noninterest expense to average assets | 2.8832% | 4,002 |
| Loan and lease loss provision to assets | 0.5031% | 1,966 |
| Net operating income to assets | 0.1308% | 5,887 |
| Return on assets (ROA) | 0.6454% | 4,074 |
| Pretax return on assets | 0.6454% | 4,665 |
| Return on Equity (ROE) | 7.7111% | 3,174 |
| Retained earnings to average equity (ytd only) | 4.9164% | 3,228 |
| Net charge-offs to loans | 0.3264% | 3,465 |
| Credit loss provision to net charge-offs | 299.4318% | 959 |
| Earnings coverage of net charge-offs (x) | 3.7727% | 3,300 |
| Efficiency ratio | 81.9761% | 1,976 |
| Assets per employee ($millions) | 3.2527% | 5,565 |
| Cash dividends to net income (ytd only)* | 36.2428% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8138% | 2,892 |
| Loan loss allowance to noncurrent loans | 55.2665% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.8845% | 3,289 |
| Noncurrent loans to loans | 3.2819% | 2,104 |
| Net loans and leases to total assets | 49.8145% | 5,726 |
| Net loans and leases to deposits | 55.9200% | 6,042 |
| Net loans and leases to core deposits | 59.1275% | 6,047 |
| Total domestic deposits to total assets | 89.0817% | 1,384 |
| Equity capital to assets | 8.3764% | 6,418 |
| Core capital (leverage) ratio | 8.5543% | 5,627 |
| Tier 1 risk-based capital ratio | 14.8468% | 3,757 |
| Total risk-based capital ratio | 16.0956% | 3,728 |
| Memoranda: | ||
| Average total assets | $139,658,000 | 4,005 |
| Average earning assets | $129,276,250 | 3,970 |
| Average equity | $11,688,500 | 4,641 |
| Average total loans | $71,898,750 | 4,462 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 6,374 |
| Cost of funding earning assets | 0.6627% | 6,161 |
| Net interest margin | 3.4932% | 5,190 |
| Noninterest income to average assets | 0.2036% | 6,210 |
| Noninterest expense to average assets | 3.0367% | 3,498 |
| Loan and lease loss provision to assets | 0.7610% | 1,223 |
| Net operating income to assets | -0.3668% | 6,589 |
| Return on assets (ROA) | 0.1199% | 6,053 |
| Pretax return on assets | 0.1199% | 6,068 |
| Return on Equity (ROE) | 1.4324% | 5,965 |
| Retained earnings to average equity (ytd only) | -1.3979% | 6,134 |
| Net charge-offs to loans | 0.5052% | 2,590 |
| Credit loss provision to net charge-offs | 291.1602% | 1,049 |
| Earnings coverage of net charge-offs (x) | 1.5083% | 4,159 |
| Efficiency ratio | 88.5101% | 1,360 |
| Assets per employee ($millions) | 2.8116% | 6,455 |
| Cash dividends to net income (ytd only)* | 197.5904% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7968% | 3,007 |
| Loan loss allowance to noncurrent loans | 39.6135% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 3.2513% | 2,058 |
| Noncurrent loans to loans | 4.5358% | 1,453 |
| Net loans and leases to total assets | 55.4433% | 5,079 |
| Net loans and leases to deposits | 63.0874% | 5,383 |
| Net loans and leases to core deposits | 63.5999% | 5,768 |
| Total domestic deposits to total assets | 87.8833% | 2,221 |
| Equity capital to assets | 9.0958% | 5,449 |
| Core capital (leverage) ratio | 7.9103% | 6,399 |
| Tier 1 risk-based capital ratio | 14.4067% | 3,865 |
| Total risk-based capital ratio | 15.6546% | 3,836 |
| Memoranda: | ||
| Average total assets | $138,505,000 | 4,055 |
| Average earning assets | $127,963,670 | 4,031 |
| Average equity | $11,588,670 | 4,661 |
| Average total loans | $71,661,670 | 4,513 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 6,448 |
| Cost of funding earning assets | 0.6959% | 6,160 |
| Net interest margin | 3.4313% | 5,297 |
| Noninterest income to average assets | 0.2348% | 6,034 |
| Noninterest expense to average assets | 3.0163% | 3,574 |
| Loan and lease loss provision to assets | 1.1937% | 589 |
| Net operating income to assets | -0.7911% | 6,956 |
| Return on assets (ROA) | -0.9113% | 7,015 |
| Pretax return on assets | -0.9113% | 6,965 |
| Return on Equity (ROE) | -11.3381% | 7,059 |
| Retained earnings to average equity (ytd only) | -14.1205% | 7,019 |
| Net charge-offs to loans | 0.5917% | 2,016 |
| Credit loss provision to net charge-offs | 406.6667% | 831 |
| Earnings coverage of net charge-offs (x) | 1.3714% | 3,664 |
| Efficiency ratio | 88.2257% | 1,487 |
| Assets per employee ($millions) | 2.9306% | 6,283 |
| Cash dividends to net income (ytd only)* | -24.5399% | 7,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8736% | 2,780 |
| Loan loss allowance to noncurrent loans | 38.1969% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 3.0384% | 2,274 |
| Noncurrent loans to loans | 4.9050% | 1,383 |
| Net loans and leases to total assets | 46.9773% | 6,196 |
| Net loans and leases to deposits | 52.3230% | 6,451 |
| Net loans and leases to core deposits | 52.8101% | 6,637 |
| Total domestic deposits to total assets | 89.7832% | 1,302 |
| Equity capital to assets | 7.8713% | 6,619 |
| Core capital (leverage) ratio | 7.5095% | 6,721 |
| Tier 1 risk-based capital ratio | 13.9119% | 4,132 |
| Total risk-based capital ratio | 15.1406% | 4,123 |
| Memoranda: | ||
| Average total assets | $143,090,500 | 4,012 |
| Average earning assets | $132,776,500 | 3,962 |
| Average equity | $11,501,000 | 4,669 |
| Average total loans | $70,983,000 | 4,586 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6309% | 6,018 |
| Cost of funding earning assets | 0.8900% | 6,203 |
| Net interest margin | 3.7409% | 4,174 |
| Noninterest income to average assets | 0.5523% | 3,805 |
| Noninterest expense to average assets | 2.9100% | 4,187 |
| Loan and lease loss provision to assets | 0.6820% | 2,419 |
| Net operating income to assets | 0.4126% | 4,489 |
| Return on assets (ROA) | 0.3697% | 4,827 |
| Pretax return on assets | 0.3711% | 5,027 |
| Return on Equity (ROE) | 4.4540% | 4,320 |
| Retained earnings to average equity (ytd only) | -4.4971% | 6,244 |
| Net charge-offs to loans | 1.4941% | 1,473 |
| Credit loss provision to net charge-offs | 82.2818% | 5,476 |
| Earnings coverage of net charge-offs (x) | 1.3224% | 4,786 |
| Efficiency ratio | 72.6395% | 3,671 |
| Assets per employee ($millions) | 2.9705% | 6,167 |
| Cash dividends to net income (ytd only)* | 200.9690% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 4,903 |
| Loan loss allowance to noncurrent loans | 35.0127% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 2.6630% | 2,616 |
| Noncurrent loans to loans | 3.7681% | 1,967 |
| Net loans and leases to total assets | 50.6747% | 6,086 |
| Net loans and leases to deposits | 56.7032% | 6,377 |
| Net loans and leases to core deposits | 74.5855% | 4,901 |
| Total domestic deposits to total assets | 89.3684% | 1,451 |
| Equity capital to assets | 8.2050% | 6,255 |
| Core capital (leverage) ratio | 7.8923% | 6,326 |
| Tier 1 risk-based capital ratio | 13.5942% | 4,139 |
| Total risk-based capital ratio | 14.7182% | 4,200 |
| Memoranda: | ||
| Average total assets | $139,586,400 | 4,062 |
| Average earning assets | $128,873,200 | 4,043 |
| Average equity | $11,585,200 | 4,713 |
| Average total loans | $77,436,800 | 4,409 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 6,057 |
| Cost of funding earning assets | 0.9089% | 6,365 |
| Net interest margin | 3.7824% | 4,049 |
| Noninterest income to average assets | 0.5570% | 3,729 |
| Noninterest expense to average assets | 2.9626% | 3,877 |
| Loan and lease loss provision to assets | 0.8355% | 1,819 |
| Net operating income to assets | 0.2414% | 5,386 |
| Return on assets (ROA) | 0.1844% | 5,714 |
| Pretax return on assets | 0.1863% | 5,762 |
| Return on Equity (ROE) | 2.2151% | 5,525 |
| Retained earnings to average equity (ytd only) | -8.0182% | 6,772 |
| Net charge-offs to loans | 1.7632% | 1,102 |
| Credit loss provision to net charge-offs | 83.8150% | 5,010 |
| Earnings coverage of net charge-offs (x) | 1.0828% | 4,970 |
| Efficiency ratio | 73.2953% | 3,462 |
| Assets per employee ($millions) | 3.0494% | 6,028 |
| Cash dividends to net income (ytd only)* | 461.9868% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 4,916 |
| Loan loss allowance to noncurrent loans | 32.1577% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 2.8400% | 2,554 |
| Noncurrent loans to loans | 4.0671% | 1,833 |
| Net loans and leases to total assets | 51.7083% | 6,135 |
| Net loans and leases to deposits | 57.5244% | 6,505 |
| Net loans and leases to core deposits | 76.7848% | 4,950 |
| Total domestic deposits to total assets | 89.8894% | 936 |
| Equity capital to assets | 7.8943% | 6,869 |
| Core capital (leverage) ratio | 7.9637% | 6,397 |
| Tier 1 risk-based capital ratio | 12.8661% | 4,678 |
| Total risk-based capital ratio | 13.9874% | 4,766 |
| Memoranda: | ||
| Average total assets | $138,837,000 | 4,127 |
| Average earning assets | $127,922,000 | 4,113 |
| Average equity | $11,556,750 | 4,793 |
| Average total loans | $78,491,000 | 4,448 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7823% | 5,852 |
| Cost of funding earning assets | 0.9259% | 6,478 |
| Net interest margin | 3.8564% | 3,648 |
| Noninterest income to average assets | 0.5516% | 3,698 |
| Noninterest expense to average assets | 3.0368% | 3,565 |
| Loan and lease loss provision to assets | 1.2030% | 1,165 |
| Net operating income to assets | -0.1408% | 6,280 |
| Return on assets (ROA) | -0.0440% | 6,233 |
| Pretax return on assets | -0.0411% | 6,186 |
| Return on Equity (ROE) | -0.5192% | 6,258 |
| Retained earnings to average equity (ytd only) | -14.6747% | 7,095 |
| Net charge-offs to loans | 1.1278% | 1,676 |
| Credit loss provision to net charge-offs | 183.8565% | 2,144 |
| Earnings coverage of net charge-offs (x) | 1.6278% | 4,279 |
| Efficiency ratio | 74.0343% | 3,469 |
| Assets per employee ($millions) | 2.7936% | 6,582 |
| Cash dividends to net income (ytd only)* | -2,726.6667% | 7,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 2,170 |
| Loan loss allowance to noncurrent loans | 44.9651% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 3.2431% | 2,174 |
| Noncurrent loans to loans | 4.4567% | 1,638 |
| Net loans and leases to total assets | 54.0897% | 5,980 |
| Net loans and leases to deposits | 60.2650% | 6,389 |
| Net loans and leases to core deposits | 62.9330% | 6,483 |
| Total domestic deposits to total assets | 89.7531% | 1,048 |
| Equity capital to assets | 8.0999% | 6,654 |
| Core capital (leverage) ratio | 7.6484% | 6,677 |
| Tier 1 risk-based capital ratio | 12.5653% | 4,797 |
| Total risk-based capital ratio | 13.7924% | 4,797 |
| Memoranda: | ||
| Average total assets | $136,325,670 | 4,203 |
| Average earning assets | $125,504,330 | 4,195 |
| Average equity | $11,557,330 | 4,792 |
| Average total loans | $79,091,670 | 4,468 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8365% | 5,740 |
| Cost of funding earning assets | 0.9268% | 6,671 |
| Net interest margin | 3.9098% | 3,284 |
| Noninterest income to average assets | 0.5674% | 3,507 |
| Noninterest expense to average assets | 3.0687% | 3,396 |
| Loan and lease loss provision to assets | 2.4360% | 435 |
| Net operating income to assets | -1.3338% | 7,271 |
| Return on assets (ROA) | -1.3338% | 7,282 |
| Pretax return on assets | -1.3279% | 7,192 |
| Return on Equity (ROE) | -15.3780% | 7,326 |
| Retained earnings to average equity (ytd only) | -22.5362% | 7,427 |
| Net charge-offs to loans | 0.1448% | 4,062 |
| Credit loss provision to net charge-offs | 2,827.5862% | 179 |
| Earnings coverage of net charge-offs (x) | 12.8621% | 1,535 |
| Efficiency ratio | 73.4708% | 3,671 |
| Assets per employee ($millions) | 2.8950% | 6,450 |
| Cash dividends to net income (ytd only)* | -46.5479% | 7,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4547% | 1,355 |
| Loan loss allowance to noncurrent loans | 56.0571% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 2.6110% | 2,791 |
| Noncurrent loans to loans | 4.3790% | 1,724 |
| Net loans and leases to total assets | 52.8054% | 6,180 |
| Net loans and leases to deposits | 59.0201% | 6,553 |
| Net loans and leases to core deposits | 78.6492% | 4,944 |
| Total domestic deposits to total assets | 89.4701% | 1,258 |
| Equity capital to assets | 7.6900% | 6,938 |
| Core capital (leverage) ratio | 8.5817% | 5,234 |
| Tier 1 risk-based capital ratio | 12.3020% | 4,904 |
| Total risk-based capital ratio | 13.5336% | 4,880 |
| Memoranda: | ||
| Average total assets | $134,648,000 | 4,311 |
| Average earning assets | $124,304,500 | 4,274 |
| Average equity | $11,679,000 | 4,797 |
| Average total loans | $80,088,500 | 4,502 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4388% | 4,497 |
| Cost of funding earning assets | 1.1028% | 6,969 |
| Net interest margin | 4.3361% | 1,613 |
| Noninterest income to average assets | 0.6481% | 3,309 |
| Noninterest expense to average assets | 3.4546% | 2,513 |
| Loan and lease loss provision to assets | 0.9171% | 2,450 |
| Net operating income to assets | 0.1941% | 4,914 |
| Return on assets (ROA) | 0.5212% | 3,737 |
| Pretax return on assets | 0.5268% | 4,115 |
| Return on Equity (ROE) | 5.4762% | 3,441 |
| Retained earnings to average equity (ytd only) | -5.9374% | 6,141 |
| Net charge-offs to loans | 1.2039% | 2,047 |
| Credit loss provision to net charge-offs | 118.4536% | 4,553 |
| Earnings coverage of net charge-offs (x) | 1.4381% | 4,687 |
| Efficiency ratio | 75.6247% | 3,590 |
| Assets per employee ($millions) | 2.3853% | 7,372 |
| Cash dividends to net income (ytd only)* | 208.4227% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 3,932 |
| Loan loss allowance to noncurrent loans | 41.3051% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 2.6313% | 2,674 |
| Noncurrent loans to loans | 3.5327% | 2,147 |
| Net loans and leases to total assets | 65.0053% | 4,372 |
| Net loans and leases to deposits | 74.9813% | 4,876 |
| Net loans and leases to core deposits | 94.6136% | 4,609 |
| Total domestic deposits to total assets | 86.6954% | 2,655 |
| Equity capital to assets | 9.8677% | 3,925 |
| Core capital (leverage) ratio | 10.1281% | 2,969 |
| Tier 1 risk-based capital ratio | 13.0449% | 4,116 |
| Total risk-based capital ratio | 14.2645% | 4,078 |
| Memoranda: | ||
| Average total assets | $125,280,600 | 4,441 |
| Average earning assets | $113,259,600 | 4,468 |
| Average equity | $11,924,400 | 4,767 |
| Average total loans | $80,573,200 | 4,487 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3702% | 5,092 |
| Cost of funding earning assets | 1.1332% | 7,087 |
| Net interest margin | 4.2371% | 1,918 |
| Noninterest income to average assets | 0.6614% | 3,282 |
| Noninterest expense to average assets | 3.4498% | 2,421 |
| Loan and lease loss provision to assets | 1.1084% | 1,762 |
| Net operating income to assets | -0.0784% | 5,856 |
| Return on assets (ROA) | 0.2737% | 4,995 |
| Pretax return on assets | 0.2789% | 5,113 |
| Return on Equity (ROE) | 2.9008% | 4,838 |
| Retained earnings to average equity (ytd only) | -11.8943% | 6,937 |
| Net charge-offs to loans | 1.4878% | 1,379 |
| Credit loss provision to net charge-offs | 116.5556% | 4,361 |
| Earnings coverage of net charge-offs (x) | 1.0811% | 4,974 |
| Efficiency ratio | 77.0411% | 3,314 |
| Assets per employee ($millions) | 2.2087% | 7,604 |
| Cash dividends to net income (ytd only)* | 510.0458% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 3,871 |
| Loan loss allowance to noncurrent loans | 37.5576% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 2.6465% | 2,627 |
| Noncurrent loans to loans | 3.7651% | 1,975 |
| Net loans and leases to total assets | 67.9555% | 3,974 |
| Net loans and leases to deposits | 78.2014% | 4,713 |
| Net loans and leases to core deposits | 95.5623% | 4,859 |
| Total domestic deposits to total assets | 86.8981% | 2,234 |
| Equity capital to assets | 9.9625% | 4,135 |
| Core capital (leverage) ratio | 8.9439% | 4,741 |
| Tier 1 risk-based capital ratio | 12.4768% | 4,557 |
| Total risk-based capital ratio | 13.6782% | 4,554 |
| Memoranda: | ||
| Average total assets | $126,188,250 | 4,443 |
| Average earning assets | $113,660,750 | 4,492 |
| Average equity | $11,904,500 | 4,820 |
| Average total loans | $80,654,000 | 4,533 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2893% | 5,700 |
| Cost of funding earning assets | 1.1465% | 7,255 |
| Net interest margin | 4.1428% | 2,185 |
| Noninterest income to average assets | 0.6515% | 3,336 |
| Noninterest expense to average assets | 3.4868% | 2,377 |
| Loan and lease loss provision to assets | 0.3544% | 3,799 |
| Net operating income to assets | 0.5095% | 4,048 |
| Return on assets (ROA) | 0.8512% | 2,749 |
| Pretax return on assets | 0.8574% | 3,484 |
| Return on Equity (ROE) | 9.1779% | 2,293 |
| Retained earnings to average equity (ytd only) | -11.4473% | 7,004 |
| Net charge-offs to loans | -0.0273% | 7,757 |
| Credit loss provision to net charge-offs | -2,081.8182% | 7,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0924% | 3,027 |
| Assets per employee ($millions) | 2.5009% | 7,247 |
| Cash dividends to net income (ytd only)* | 224.7273% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 3,413 |
| Loan loss allowance to noncurrent loans | 74.0830% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.2999% | 4,342 |
| Noncurrent loans to loans | 1.9707% | 3,563 |
| Net loans and leases to total assets | 62.7347% | 5,229 |
| Net loans and leases to deposits | 71.2787% | 5,837 |
| Net loans and leases to core deposits | 96.7706% | 4,813 |
| Total domestic deposits to total assets | 88.0133% | 1,767 |
| Equity capital to assets | 8.9568% | 5,378 |
| Core capital (leverage) ratio | 9.3986% | 4,026 |
| Tier 1 risk-based capital ratio | 11.7097% | 5,188 |
| Total risk-based capital ratio | 12.8897% | 5,183 |
| Memoranda: | ||
| Average total assets | $129,231,330 | 4,409 |
| Average earning assets | $115,477,670 | 4,473 |
| Average equity | $11,985,330 | 4,815 |
| Average total loans | $80,642,330 | 4,568 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3350% | 5,727 |
| Cost of funding earning assets | 1.2123% | 7,272 |
| Net interest margin | 4.1227% | 2,203 |
| Noninterest income to average assets | 0.5079% | 4,252 |
| Noninterest expense to average assets | 3.8096% | 1,450 |
| Loan and lease loss provision to assets | 0.2477% | 3,992 |
| Net operating income to assets | 0.0446% | 6,145 |
| Return on assets (ROA) | 0.7368% | 3,590 |
| Pretax return on assets | 0.7431% | 4,278 |
| Return on Equity (ROE) | 7.8060% | 3,236 |
| Retained earnings to average equity (ytd only) | -27.5037% | 7,820 |
| Net charge-offs to loans | -0.0457% | 7,667 |
| Credit loss provision to net charge-offs | -877.7778% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8899% | 1,507 |
| Assets per employee ($millions) | 2.3147% | 7,568 |
| Cash dividends to net income (ytd only)* | 452.3404% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 3,737 |
| Loan loss allowance to noncurrent loans | 67.0807% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.5317% | 3,638 |
| Noncurrent loans to loans | 2.0265% | 3,228 |
| Net loans and leases to total assets | 61.5563% | 5,410 |
| Net loans and leases to deposits | 69.7472% | 6,001 |
| Net loans and leases to core deposits | 91.8605% | 5,356 |
| Total domestic deposits to total assets | 88.2563% | 1,609 |
| Equity capital to assets | 9.1870% | 5,103 |
| Core capital (leverage) ratio | 9.2297% | 4,365 |
| Tier 1 risk-based capital ratio | 11.9394% | 5,012 |
| Total risk-based capital ratio | 13.0065% | 5,084 |
| Memoranda: | ||
| Average total assets | $127,573,500 | 4,455 |
| Average earning assets | $111,189,500 | 4,601 |
| Average equity | $12,042,000 | 4,821 |
| Average total loans | $78,771,000 | 4,651 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9834% | 5,626 |
| Cost of funding earning assets | 1.7771% | 7,069 |
| Net interest margin | 4.2063% | 2,291 |
| Noninterest income to average assets | 0.5694% | 4,085 |
| Noninterest expense to average assets | 3.2874% | 3,007 |
| Loan and lease loss provision to assets | 0.5132% | 2,754 |
| Net operating income to assets | 0.4393% | 4,994 |
| Return on assets (ROA) | 0.4646% | 4,708 |
| Pretax return on assets | 0.4730% | 5,063 |
| Return on Equity (ROE) | 4.4983% | 4,601 |
| Retained earnings to average equity (ytd only) | -6.9901% | 6,784 |
| Net charge-offs to loans | 0.8221% | 1,523 |
| Credit loss provision to net charge-offs | 119.4346% | 4,507 |
| Earnings coverage of net charge-offs (x) | 2.2350% | 4,961 |
| Efficiency ratio | 77.3905% | 3,019 |
| Assets per employee ($millions) | 2.1306% | 7,791 |
| Cash dividends to net income (ytd only)* | 255.3922% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 3,987 |
| Loan loss allowance to noncurrent loans | 67.8059% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.4104% | 3,379 |
| Noncurrent loans to loans | 1.8734% | 2,949 |
| Net loans and leases to total assets | 60.3132% | 5,866 |
| Net loans and leases to deposits | 69.1789% | 6,353 |
| Net loans and leases to core deposits | 97.5024% | 5,096 |
| Total domestic deposits to total assets | 87.1844% | 1,846 |
| Equity capital to assets | 9.6905% | 4,435 |
| Core capital (leverage) ratio | 10.3133% | 3,164 |
| Tier 1 risk-based capital ratio | 13.7041% | 3,696 |
| Total risk-based capital ratio | 14.7570% | 3,711 |
| Memoranda: | ||
| Average total assets | $131,716,000 | 4,240 |
| Average earning assets | $115,184,800 | 4,383 |
| Average equity | $13,605,000 | 4,423 |
| Average total loans | $68,846,000 | 4,913 |