Home > First State Bank of Texas > Performance and Condition Ratios
First State Bank of Texas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1235% | 546 |
| Cost of funding earning assets | 1.1966% | 2,811 |
| Net interest margin | 4.9269% | 350 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 3.2173% | 818 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.4401% | 1,137 |
| Return on assets (ROA) | 1.4401% | 1,107 |
| Pretax return on assets | 1.4401% | 1,553 |
| Return on Equity (ROE) | 13.7400% | 1,546 |
| Retained earnings to average equity (ytd only) | 13.7446% | 424 |
| Net charge-offs to loans | 0.3047% | 354 |
| Credit loss provision to net charge-offs | 99.8134% | 1,855 |
| Earnings coverage of net charge-offs (x) | 8.3601% | 2,348 |
| Efficiency ratio | 64.8868% | 2,497 |
| Assets per employee ($millions) | 5.3994% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7707% | 4,023 |
| Loan loss allowance to noncurrent loans | 89.6799% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 1,024 |
| Noncurrent loans to loans | 0.8594% | 889 |
| Net loans and leases to total assets | 62.9600% | 2,578 |
| Net loans and leases to deposits | 75.2676% | 2,525 |
| Net loans and leases to core deposits | 80.9100% | 2,658 |
| Total domestic deposits to total assets | 83.6500% | 2,720 |
| Equity capital to assets | 11.1263% | 1,422 |
| Core capital (leverage) ratio | 10.4178% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $274,014,400 | 2,559 |
| Average earning assets | $247,784,800 | 2,588 |
| Average equity | $28,709,400 | 2,334 |
| Average total loans | $175,910,000 | 2,481 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0436% | 502 |
| Cost of funding earning assets | 1.0226% | 2,972 |
| Net interest margin | 5.0210% | 298 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 3.2406% | 775 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.5114% | 1,095 |
| Return on assets (ROA) | 1.5114% | 1,089 |
| Pretax return on assets | 1.5114% | 1,532 |
| Return on Equity (ROE) | 14.6600% | 1,514 |
| Retained earnings to average equity (ytd only) | 14.6593% | 596 |
| Net charge-offs to loans | 0.4212% | 200 |
| Credit loss provision to net charge-offs | 66.7870% | 1,823 |
| Earnings coverage of net charge-offs (x) | 6.2401% | 2,305 |
| Efficiency ratio | 64.2914% | 2,462 |
| Assets per employee ($millions) | 5.7108% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 4,167 |
| Loan loss allowance to noncurrent loans | 150.0631% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 1,872 |
| Noncurrent loans to loans | 0.4540% | 1,689 |
| Net loans and leases to total assets | 61.9900% | 2,657 |
| Net loans and leases to deposits | 74.2975% | 2,540 |
| Net loans and leases to core deposits | 80.0200% | 2,600 |
| Total domestic deposits to total assets | 83.4400% | 2,918 |
| Equity capital to assets | 10.5630% | 1,529 |
| Core capital (leverage) ratio | 10.2659% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $272,326,000 | 2,569 |
| Average earning assets | $245,631,000 | 2,605 |
| Average equity | $28,077,000 | 2,348 |
| Average total loans | $175,352,000 | 2,488 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8700% | 520 |
| Cost of funding earning assets | 0.7824% | 3,261 |
| Net interest margin | 5.0876% | 275 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 3.2695% | 717 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.5692% | 990 |
| Return on assets (ROA) | 1.5692% | 987 |
| Pretax return on assets | 1.5692% | 1,466 |
| Return on Equity (ROE) | 15.3500% | 1,400 |
| Retained earnings to average equity (ytd only) | 15.3498% | 533 |
| Net charge-offs to loans | 0.6527% | 130 |
| Credit loss provision to net charge-offs | 36.6492% | 1,719 |
| Earnings coverage of net charge-offs (x) | 4.0611% | 2,234 |
| Efficiency ratio | 64.0695% | 2,480 |
| Assets per employee ($millions) | 5.8023% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5615% | 4,334 |
| Loan loss allowance to noncurrent loans | 221.2254% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 2,385 |
| Noncurrent loans to loans | 0.2538% | 2,250 |
| Net loans and leases to total assets | 65.6600% | 2,190 |
| Net loans and leases to deposits | 78.6352% | 2,076 |
| Net loans and leases to core deposits | 84.7694% | 2,160 |
| Total domestic deposits to total assets | 83.4900% | 2,935 |
| Equity capital to assets | 10.5141% | 1,591 |
| Core capital (leverage) ratio | 9.9999% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $269,825,667 | 2,589 |
| Average earning assets | $243,612,667 | 2,620 |
| Average equity | $27,583,333 | 2,386 |
| Average total loans | $175,583,000 | 2,482 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6263% | 502 |
| Cost of funding earning assets | 0.5305% | 3,593 |
| Net interest margin | 5.0959% | 259 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 3.2118% | 783 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.6722% | 866 |
| Return on assets (ROA) | 1.6722% | 865 |
| Pretax return on assets | 1.6722% | 1,336 |
| Return on Equity (ROE) | 16.6000% | 1,243 |
| Retained earnings to average equity (ytd only) | 16.5986% | 629 |
| Net charge-offs to loans | 0.0369% | 996 |
| Credit loss provision to net charge-offs | 375.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 73.8750% | 928 |
| Efficiency ratio | 63.1705% | 2,548 |
| Assets per employee ($millions) | 5.7301% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 4,093 |
| Loan loss allowance to noncurrent loans | 125.8208% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4185% | 1,234 |
| Noncurrent loans to loans | 0.6330% | 1,189 |
| Net loans and leases to total assets | 65.5800% | 2,101 |
| Net loans and leases to deposits | 78.3254% | 1,936 |
| Net loans and leases to core deposits | 87.2695% | 1,784 |
| Total domestic deposits to total assets | 83.7300% | 3,147 |
| Equity capital to assets | 10.3020% | 1,673 |
| Core capital (leverage) ratio | 9.8323% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $268,384,000 | 2,626 |
| Average earning assets | $241,294,000 | 2,664 |
| Average equity | $27,038,500 | 2,436 |
| Average total loans | $173,344,000 | 2,520 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 893 |
| Cost of funding earning assets | 0.2964% | 2,908 |
| Net interest margin | 4.0970% | 662 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 3.1293% | 800 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9663% | 2,696 |
| Return on assets (ROA) | 0.9663% | 2,645 |
| Pretax return on assets | 0.9663% | 3,171 |
| Return on Equity (ROE) | 9.9100% | 2,835 |
| Retained earnings to average equity (ytd only) | 9.9116% | 1,186 |
| Net charge-offs to loans | 0.1172% | 646 |
| Credit loss provision to net charge-offs | 77.7778% | 1,693 |
| Earnings coverage of net charge-offs (x) | 14.8500% | 2,017 |
| Efficiency ratio | 73.6944% | 1,243 |
| Assets per employee ($millions) | 5.0462% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 4,001 |
| Loan loss allowance to noncurrent loans | 89.0473% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 873 |
| Noncurrent loans to loans | 0.9150% | 811 |
| Net loans and leases to total assets | 62.5400% | 2,376 |
| Net loans and leases to deposits | 70.3437% | 2,556 |
| Net loans and leases to core deposits | 77.4226% | 2,321 |
| Total domestic deposits to total assets | 88.9100% | 1,745 |
| Equity capital to assets | 9.8455% | 1,793 |
| Core capital (leverage) ratio | 9.3071% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1882% | 2,294 |
| Memoranda: | ||
| Average total assets | $262,132,600 | 2,653 |
| Average earning assets | $236,171,400 | 2,701 |
| Average equity | $25,556,000 | 2,556 |
| Average total loans | $153,601,800 | 2,603 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 1,107 |
| Cost of funding earning assets | 0.3002% | 2,166 |
| Net interest margin | 3.7772% | 980 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 3.0428% | 858 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8047% | 3,240 |
| Return on assets (ROA) | 0.8047% | 3,202 |
| Pretax return on assets | 0.8047% | 3,564 |
| Return on Equity (ROE) | 8.2700% | 3,250 |
| Retained earnings to average equity (ytd only) | 8.2746% | 1,898 |
| Net charge-offs to loans | 0.0845% | 709 |
| Credit loss provision to net charge-offs | 84.2105% | 1,405 |
| Earnings coverage of net charge-offs (x) | 17.4105% | 1,792 |
| Efficiency ratio | 76.4002% | 1,043 |
| Assets per employee ($millions) | 5.3416% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 3,938 |
| Loan loss allowance to noncurrent loans | 288.0658% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 2,392 |
| Noncurrent loans to loans | 0.3030% | 2,158 |
| Net loans and leases to total assets | 58.3700% | 2,657 |
| Net loans and leases to deposits | 64.6124% | 2,816 |
| Net loans and leases to core deposits | 70.9106% | 2,575 |
| Total domestic deposits to total assets | 90.3400% | 1,509 |
| Equity capital to assets | 9.2691% | 2,031 |
| Core capital (leverage) ratio | 8.9569% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0289% | 2,464 |
| Memoranda: | ||
| Average total assets | $260,803,000 | 2,680 |
| Average earning assets | $235,830,000 | 2,716 |
| Average equity | $25,362,000 | 2,605 |
| Average total loans | $149,842,250 | 2,641 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 1,321 |
| Cost of funding earning assets | 0.3164% | 1,564 |
| Net interest margin | 3.4826% | 1,364 |
| Noninterest income to average assets | 0.4772% | 2,319 |
| Noninterest expense to average assets | 3.0530% | 787 |
| Loan and lease loss provision to assets | 0.0078% | 2,457 |
| Net operating income to assets | 0.5612% | 3,728 |
| Return on assets (ROA) | 0.5612% | 3,680 |
| Pretax return on assets | 0.5612% | 3,900 |
| Return on Equity (ROE) | 5.6774% | 3,663 |
| Retained earnings to average equity (ytd only) | 5.6774% | 2,448 |
| Net charge-offs to loans | 0.1627% | 388 |
| Credit loss provision to net charge-offs | 8.4034% | 1,640 |
| Earnings coverage of net charge-offs (x) | 6.1429% | 1,909 |
| Efficiency ratio | 82.2695% | 782 |
| Assets per employee ($millions) | 5.1846% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 3,986 |
| Loan loss allowance to noncurrent loans | 283.6957% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 2,488 |
| Noncurrent loans to loans | 0.3131% | 2,219 |
| Net loans and leases to total assets | 55.0733% | 2,849 |
| Net loans and leases to deposits | 61.0738% | 2,967 |
| Net loans and leases to core deposits | 67.7917% | 2,670 |
| Total domestic deposits to total assets | 90.1749% | 1,639 |
| Equity capital to assets | 9.4870% | 2,025 |
| Core capital (leverage) ratio | 8.7953% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,930,667 | 2,728 |
| Average earning assets | $232,009,667 | 2,779 |
| Average equity | $25,399,000 | 2,655 |
| Average total loans | $146,317,333 | 2,681 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7034% | 1,264 |
| Cost of funding earning assets | 0.3287% | 1,390 |
| Net interest margin | 3.3747% | 1,365 |
| Noninterest income to average assets | 0.4787% | 2,246 |
| Noninterest expense to average assets | 3.0586% | 742 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4692% | 3,793 |
| Return on assets (ROA) | 0.4692% | 3,757 |
| Pretax return on assets | 0.4692% | 3,922 |
| Return on Equity (ROE) | 4.6486% | 3,712 |
| Retained earnings to average equity (ytd only) | 4.6486% | 2,720 |
| Net charge-offs to loans | 0.1315% | 429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 6.1875% | 1,581 |
| Efficiency ratio | 84.5947% | 809 |
| Assets per employee ($millions) | 4.9530% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8858% | 4,081 |
| Loan loss allowance to noncurrent loans | 295.0324% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 2,539 |
| Noncurrent loans to loans | 0.3003% | 2,388 |
| Net loans and leases to total assets | 59.3415% | 2,146 |
| Net loans and leases to deposits | 66.0323% | 2,336 |
| Net loans and leases to core deposits | 73.8147% | 1,957 |
| Total domestic deposits to total assets | 89.8674% | 1,648 |
| Equity capital to assets | 9.8426% | 2,010 |
| Core capital (leverage) ratio | 8.9090% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,188,500 | 2,767 |
| Average earning assets | $228,761,500 | 2,820 |
| Average equity | $25,556,000 | 2,735 |
| Average total loans | $146,012,500 | 2,678 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6406% | 2,278 |
| Cost of funding earning assets | 0.4127% | 1,452 |
| Net interest margin | 3.2279% | 2,530 |
| Noninterest income to average assets | 1.0145% | 973 |
| Noninterest expense to average assets | 3.1432% | 795 |
| Loan and lease loss provision to assets | 0.0959% | 1,300 |
| Net operating income to assets | 0.6458% | 3,761 |
| Return on assets (ROA) | 0.6458% | 3,818 |
| Pretax return on assets | 0.6458% | 4,045 |
| Return on Equity (ROE) | 5.9852% | 3,778 |
| Retained earnings to average equity (ytd only) | 4.1205% | 3,179 |
| Net charge-offs to loans | 0.0085% | 2,264 |
| Credit loss provision to net charge-offs | 1,875.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 680 |
| Efficiency ratio | 78.8457% | 881 |
| Assets per employee ($millions) | 5.2941% | 3,484 |
| Cash dividends to net income (ytd only)* | 31.1551% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,640 |
| Loan loss allowance to noncurrent loans | 249.8233% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 2,416 |
| Noncurrent loans to loans | 0.4107% | 2,128 |
| Net loans and leases to total assets | 54.8215% | 2,748 |
| Net loans and leases to deposits | 61.3715% | 2,947 |
| Net loans and leases to core deposits | 68.9180% | 2,561 |
| Total domestic deposits to total assets | 89.3273% | 1,339 |
| Equity capital to assets | 10.3536% | 2,320 |
| Core capital (leverage) ratio | 8.8609% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,604,000 | 2,821 |
| Average earning assets | $208,620,000 | 2,886 |
| Average equity | $25,312,600 | 2,829 |
| Average total loans | $141,987,600 | 2,707 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7005% | 2,275 |
| Cost of funding earning assets | 0.4261% | 1,513 |
| Net interest margin | 3.2744% | 2,497 |
| Noninterest income to average assets | 1.1807% | 822 |
| Noninterest expense to average assets | 3.1669% | 752 |
| Loan and lease loss provision to assets | 0.1298% | 894 |
| Net operating income to assets | 0.7842% | 3,566 |
| Return on assets (ROA) | 0.7842% | 3,631 |
| Pretax return on assets | 0.7842% | 3,919 |
| Return on Equity (ROE) | 7.1902% | 3,617 |
| Retained earnings to average equity (ytd only) | 4.6930% | 3,335 |
| Net charge-offs to loans | -0.0065% | 3,515 |
| Credit loss provision to net charge-offs | -3,214.2857% | 4,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6080% | 1,062 |
| Assets per employee ($millions) | 5.2001% | 3,503 |
| Cash dividends to net income (ytd only)* | 34.7314% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,604 |
| Loan loss allowance to noncurrent loans | 259.1320% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 2,648 |
| Noncurrent loans to loans | 0.4103% | 2,330 |
| Net loans and leases to total assets | 54.5644% | 2,900 |
| Net loans and leases to deposits | 61.3026% | 3,111 |
| Net loans and leases to core deposits | 69.1041% | 2,673 |
| Total domestic deposits to total assets | 89.0083% | 1,270 |
| Equity capital to assets | 10.5580% | 2,415 |
| Core capital (leverage) ratio | 9.0780% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,049,500 | 2,870 |
| Average earning assets | $204,651,750 | 2,946 |
| Average equity | $25,200,250 | 2,869 |
| Average total loans | $143,029,000 | 2,735 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7912% | 2,096 |
| Cost of funding earning assets | 0.4339% | 1,630 |
| Net interest margin | 3.3573% | 2,279 |
| Noninterest income to average assets | 1.1527% | 858 |
| Noninterest expense to average assets | 3.2163% | 698 |
| Loan and lease loss provision to assets | 0.1765% | 655 |
| Net operating income to assets | 0.7308% | 3,682 |
| Return on assets (ROA) | 0.7308% | 3,750 |
| Pretax return on assets | 0.7308% | 4,005 |
| Return on Equity (ROE) | 6.6243% | 3,749 |
| Retained earnings to average equity (ytd only) | 2.8481% | 3,889 |
| Net charge-offs to loans | 0.0027% | 2,097 |
| Credit loss provision to net charge-offs | 10,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 514.0000% | 253 |
| Efficiency ratio | 75.9846% | 1,086 |
| Assets per employee ($millions) | 4.8964% | 3,751 |
| Cash dividends to net income (ytd only)* | 57.0048% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 3,869 |
| Loan loss allowance to noncurrent loans | 312.2768% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 3,025 |
| Noncurrent loans to loans | 0.3152% | 2,793 |
| Net loans and leases to total assets | 58.6567% | 2,585 |
| Net loans and leases to deposits | 65.9897% | 2,825 |
| Net loans and leases to core deposits | 74.2405% | 2,384 |
| Total domestic deposits to total assets | 88.8877% | 1,336 |
| Equity capital to assets | 10.5309% | 2,368 |
| Core capital (leverage) ratio | 9.0508% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,598,333 | 2,898 |
| Average earning assets | $200,519,000 | 2,979 |
| Average equity | $24,999,000 | 2,881 |
| Average total loans | $145,775,333 | 2,729 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8207% | 2,044 |
| Cost of funding earning assets | 0.4374% | 1,818 |
| Net interest margin | 3.3833% | 2,157 |
| Noninterest income to average assets | 1.0330% | 1,081 |
| Noninterest expense to average assets | 3.2373% | 673 |
| Loan and lease loss provision to assets | 0.3637% | 226 |
| Net operating income to assets | 0.4565% | 4,255 |
| Return on assets (ROA) | 0.4565% | 4,294 |
| Pretax return on assets | 0.4565% | 4,409 |
| Return on Equity (ROE) | 4.0377% | 4,278 |
| Retained earnings to average equity (ytd only) | -3.5551% | 4,629 |
| Net charge-offs to loans | 0.0867% | 759 |
| Credit loss provision to net charge-offs | 625.0000% | 541 |
| Earnings coverage of net charge-offs (x) | 14.0938% | 1,375 |
| Efficiency ratio | 77.6782% | 978 |
| Assets per employee ($millions) | 5.0631% | 3,581 |
| Cash dividends to net income (ytd only)* | 188.0478% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 4,210 |
| Loan loss allowance to noncurrent loans | 205.2474% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 2,716 |
| Noncurrent loans to loans | 0.4289% | 2,572 |
| Net loans and leases to total assets | 66.1852% | 1,777 |
| Net loans and leases to deposits | 74.5638% | 2,061 |
| Net loans and leases to core deposits | 83.6833% | 1,703 |
| Total domestic deposits to total assets | 88.7632% | 1,461 |
| Equity capital to assets | 10.6151% | 2,154 |
| Core capital (leverage) ratio | 9.4942% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,936,000 | 2,928 |
| Average earning assets | $196,611,500 | 3,001 |
| Average equity | $24,865,500 | 2,882 |
| Average total loans | $147,598,000 | 2,721 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 1,643 |
| Cost of funding earning assets | 0.4742% | 3,120 |
| Net interest margin | 3.9052% | 1,201 |
| Noninterest income to average assets | 0.7098% | 1,834 |
| Noninterest expense to average assets | 3.5975% | 599 |
| Loan and lease loss provision to assets | 0.0665% | 3,545 |
| Net operating income to assets | 0.5369% | 3,951 |
| Return on assets (ROA) | 0.5369% | 4,043 |
| Pretax return on assets | 0.5369% | 4,206 |
| Return on Equity (ROE) | 4.2652% | 4,096 |
| Retained earnings to average equity (ytd only) | 2.6403% | 3,532 |
| Net charge-offs to loans | 0.0761% | 1,721 |
| Credit loss provision to net charge-offs | 125.0000% | 2,596 |
| Earnings coverage of net charge-offs (x) | 11.3462% | 2,408 |
| Efficiency ratio | 83.3475% | 678 |
| Assets per employee ($millions) | 4.5993% | 3,814 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8591% | 4,301 |
| Loan loss allowance to noncurrent loans | 530.9735% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 3,751 |
| Noncurrent loans to loans | 0.1618% | 3,629 |
| Net loans and leases to total assets | 66.9084% | 1,965 |
| Net loans and leases to deposits | 76.6030% | 2,216 |
| Net loans and leases to core deposits | 83.2191% | 2,106 |
| Total domestic deposits to total assets | 87.3444% | 1,764 |
| Equity capital to assets | 12.0830% | 1,525 |
| Core capital (leverage) ratio | 10.0324% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,553,200 | 2,976 |
| Average earning assets | $174,819,400 | 3,035 |
| Average equity | $24,618,000 | 2,832 |
| Average total loans | $136,683,400 | 2,784 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 1,566 |
| Cost of funding earning assets | 0.4832% | 3,338 |
| Net interest margin | 4.0188% | 1,069 |
| Noninterest income to average assets | 0.7023% | 1,796 |
| Noninterest expense to average assets | 3.6906% | 539 |
| Loan and lease loss provision to assets | 0.0451% | 3,791 |
| Net operating income to assets | 0.5687% | 3,857 |
| Return on assets (ROA) | 0.5687% | 3,950 |
| Pretax return on assets | 0.5687% | 4,160 |
| Return on Equity (ROE) | 4.4696% | 4,038 |
| Retained earnings to average equity (ytd only) | 2.2946% | 3,827 |
| Net charge-offs to loans | 0.0785% | 1,525 |
| Credit loss provision to net charge-offs | 81.2500% | 2,752 |
| Earnings coverage of net charge-offs (x) | 11.0875% | 2,317 |
| Efficiency ratio | 83.4753% | 644 |
| Assets per employee ($millions) | 4.5355% | 3,803 |
| Cash dividends to net income (ytd only)* | 48.6618% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 4,312 |
| Loan loss allowance to noncurrent loans | 2,190.5660% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 3,582 |
| Noncurrent loans to loans | 0.0375% | 4,239 |
| Net loans and leases to total assets | 67.2088% | 2,362 |
| Net loans and leases to deposits | 76.9234% | 2,664 |
| Net loans and leases to core deposits | 83.4895% | 2,526 |
| Total domestic deposits to total assets | 87.3711% | 1,514 |
| Equity capital to assets | 11.8975% | 1,740 |
| Core capital (leverage) ratio | 10.2640% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,699,500 | 2,984 |
| Average earning assets | $172,719,000 | 3,033 |
| Average equity | $24,520,500 | 2,827 |
| Average total loans | $135,934,500 | 2,799 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6992% | 1,411 |
| Cost of funding earning assets | 0.5084% | 3,483 |
| Net interest margin | 4.1908% | 941 |
| Noninterest income to average assets | 0.7439% | 1,597 |
| Noninterest expense to average assets | 3.7462% | 537 |
| Loan and lease loss provision to assets | 0.0320% | 3,866 |
| Net operating income to assets | 0.7226% | 3,313 |
| Return on assets (ROA) | 0.7226% | 3,419 |
| Pretax return on assets | 0.7226% | 3,818 |
| Return on Equity (ROE) | 5.5446% | 3,658 |
| Retained earnings to average equity (ytd only) | 2.2686% | 3,653 |
| Net charge-offs to loans | 0.0775% | 1,471 |
| Credit loss provision to net charge-offs | 57.6923% | 2,596 |
| Earnings coverage of net charge-offs (x) | 13.5962% | 1,986 |
| Efficiency ratio | 81.0055% | 817 |
| Assets per employee ($millions) | 4.4194% | 3,891 |
| Cash dividends to net income (ytd only)* | 59.0842% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 4,339 |
| Loan loss allowance to noncurrent loans | 1,745.4545% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 3,614 |
| Noncurrent loans to loans | 0.0459% | 4,299 |
| Net loans and leases to total assets | 71.7257% | 1,765 |
| Net loans and leases to deposits | 82.5920% | 2,137 |
| Net loans and leases to core deposits | 89.6686% | 2,098 |
| Total domestic deposits to total assets | 86.8434% | 1,685 |
| Equity capital to assets | 12.4270% | 1,413 |
| Core capital (leverage) ratio | 10.1158% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,388,667 | 3,019 |
| Average earning assets | $167,985,333 | 3,065 |
| Average equity | $24,420,000 | 2,823 |
| Average total loans | $134,119,333 | 2,817 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9534% | 1,056 |
| Cost of funding earning assets | 0.5210% | 3,839 |
| Net interest margin | 4.4323% | 585 |
| Noninterest income to average assets | 0.5153% | 2,471 |
| Noninterest expense to average assets | 3.7788% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7267% | 3,179 |
| Return on assets (ROA) | 0.7267% | 3,266 |
| Pretax return on assets | 0.7267% | 3,604 |
| Return on Equity (ROE) | 5.4801% | 3,479 |
| Retained earnings to average equity (ytd only) | -7.3401% | 4,663 |
| Net charge-offs to loans | -0.0340% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5738% | 1,001 |
| Assets per employee ($millions) | 4.1062% | 3,777 |
| Cash dividends to net income (ytd only)* | 233.9394% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 4,132 |
| Loan loss allowance to noncurrent loans | 118.0279% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 1,903 |
| Noncurrent loans to loans | 0.7577% | 2,106 |
| Net loans and leases to total assets | 71.0645% | 2,081 |
| Net loans and leases to deposits | 81.9293% | 2,464 |
| Net loans and leases to core deposits | 89.9786% | 2,347 |
| Total domestic deposits to total assets | 86.7388% | 1,674 |
| Equity capital to assets | 12.9689% | 1,445 |
| Core capital (leverage) ratio | 11.0530% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,646,500 | 3,033 |
| Average earning assets | $163,525,000 | 3,075 |
| Average equity | $24,087,000 | 2,843 |
| Average total loans | $129,281,500 | 2,844 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8665% | 1,856 |
| Cost of funding earning assets | 0.3836% | 4,497 |
| Net interest margin | 4.4829% | 740 |
| Noninterest income to average assets | 0.6608% | 1,960 |
| Noninterest expense to average assets | 3.5535% | 900 |
| Loan and lease loss provision to assets | 0.4239% | 329 |
| Net operating income to assets | 0.7286% | 3,771 |
| Return on assets (ROA) | 0.7286% | 3,841 |
| Pretax return on assets | 0.7286% | 4,139 |
| Return on Equity (ROE) | 5.2466% | 4,147 |
| Retained earnings to average equity (ytd only) | 0.5727% | 4,524 |
| Net charge-offs to loans | 0.2957% | 707 |
| Credit loss provision to net charge-offs | 199.7245% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.4298% | 3,091 |
| Efficiency ratio | 73.1735% | 1,705 |
| Assets per employee ($millions) | 4.4628% | 3,284 |
| Cash dividends to net income (ytd only)* | 89.0851% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 3,832 |
| Loan loss allowance to noncurrent loans | 551.6432% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 3,280 |
| Noncurrent loans to loans | 0.1690% | 3,855 |
| Net loans and leases to total assets | 69.9613% | 2,397 |
| Net loans and leases to deposits | 81.1654% | 2,647 |
| Net loans and leases to core deposits | 88.0673% | 2,600 |
| Total domestic deposits to total assets | 86.1960% | 1,986 |
| Equity capital to assets | 13.5620% | 1,255 |
| Core capital (leverage) ratio | 11.3847% | 2,196 |
| Tier 1 risk-based capital ratio | 14.6972% | 2,908 |
| Total risk-based capital ratio | 15.5714% | 3,016 |
| Memoranda: | ||
| Average total assets | $171,012,200 | 3,103 |
| Average earning assets | $154,320,600 | 3,142 |
| Average equity | $23,748,600 | 2,818 |
| Average total loans | $122,761,400 | 2,914 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8733% | 1,903 |
| Cost of funding earning assets | 0.3512% | 4,652 |
| Net interest margin | 4.5221% | 734 |
| Noninterest income to average assets | 0.6535% | 1,973 |
| Noninterest expense to average assets | 3.5607% | 888 |
| Loan and lease loss provision to assets | 0.5558% | 214 |
| Net operating income to assets | 0.6180% | 4,249 |
| Return on assets (ROA) | 0.6180% | 4,297 |
| Pretax return on assets | 0.6180% | 4,510 |
| Return on Equity (ROE) | 4.4230% | 4,498 |
| Retained earnings to average equity (ytd only) | -1.8392% | 4,914 |
| Net charge-offs to loans | 0.6222% | 260 |
| Credit loss provision to net charge-offs | 123.9016% | 1,899 |
| Earnings coverage of net charge-offs (x) | 2.6169% | 3,181 |
| Efficiency ratio | 72.8605% | 1,721 |
| Assets per employee ($millions) | 4.3548% | 3,407 |
| Cash dividends to net income (ytd only)* | 141.5810% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7856% | 4,453 |
| Loan loss allowance to noncurrent loans | 284.9850% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 3,781 |
| Noncurrent loans to loans | 0.2757% | 3,550 |
| Net loans and leases to total assets | 70.5633% | 2,395 |
| Net loans and leases to deposits | 82.3823% | 2,636 |
| Net loans and leases to core deposits | 90.5987% | 2,496 |
| Total domestic deposits to total assets | 85.6535% | 2,138 |
| Equity capital to assets | 13.9850% | 1,162 |
| Core capital (leverage) ratio | 11.5745% | 2,163 |
| Tier 1 risk-based capital ratio | 14.7090% | 2,988 |
| Total risk-based capital ratio | 15.4343% | 3,138 |
| Memoranda: | ||
| Average total assets | $169,137,000 | 3,151 |
| Average earning assets | $152,638,000 | 3,188 |
| Average equity | $23,633,250 | 2,836 |
| Average total loans | $121,935,500 | 2,954 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7861% | 2,105 |
| Cost of funding earning assets | 0.3212% | 4,766 |
| Net interest margin | 4.4649% | 830 |
| Noninterest income to average assets | 0.6965% | 1,729 |
| Noninterest expense to average assets | 3.5558% | 894 |
| Loan and lease loss provision to assets | 0.0118% | 3,525 |
| Net operating income to assets | 1.1565% | 2,304 |
| Return on assets (ROA) | 1.1565% | 2,374 |
| Pretax return on assets | 1.1565% | 3,052 |
| Return on Equity (ROE) | 8.2109% | 3,195 |
| Retained earnings to average equity (ytd only) | -1.1082% | 4,837 |
| Net charge-offs to loans | 0.3104% | 553 |
| Credit loss provision to net charge-offs | 5.2632% | 2,713 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,684 |
| Efficiency ratio | 72.9161% | 1,788 |
| Assets per employee ($millions) | 4.5053% | 3,135 |
| Cash dividends to net income (ytd only)* | 113.4969% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5294% | 4,978 |
| Loan loss allowance to noncurrent loans | 150.7143% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 3,591 |
| Noncurrent loans to loans | 0.3513% | 3,295 |
| Net loans and leases to total assets | 69.4720% | 2,605 |
| Net loans and leases to deposits | 81.0472% | 2,840 |
| Net loans and leases to core deposits | 88.7609% | 2,724 |
| Total domestic deposits to total assets | 85.7179% | 2,174 |
| Equity capital to assets | 13.9860% | 1,124 |
| Core capital (leverage) ratio | 11.5528% | 2,121 |
| Tier 1 risk-based capital ratio | 14.6224% | 3,011 |
| Total risk-based capital ratio | 15.0998% | 3,297 |
| Memoranda: | ||
| Average total assets | $169,131,330 | 3,165 |
| Average earning assets | $152,568,330 | 3,204 |
| Average equity | $23,822,000 | 2,814 |
| Average total loans | $122,433,330 | 2,953 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7425% | 2,074 |
| Cost of funding earning assets | 0.2745% | 4,918 |
| Net interest margin | 4.4681% | 786 |
| Noninterest income to average assets | 0.8781% | 1,087 |
| Noninterest expense to average assets | 3.5598% | 887 |
| Loan and lease loss provision to assets | 0.0119% | 3,281 |
| Net operating income to assets | 1.3349% | 1,580 |
| Return on assets (ROA) | 1.3349% | 1,616 |
| Pretax return on assets | 1.3349% | 2,312 |
| Return on Equity (ROE) | 9.4440% | 2,615 |
| Retained earnings to average equity (ytd only) | -7.5586% | 5,019 |
| Net charge-offs to loans | -0.0258% | 4,593 |
| Credit loss provision to net charge-offs | -62.5000% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2716% | 2,294 |
| Assets per employee ($millions) | 4.4129% | 3,308 |
| Cash dividends to net income (ytd only)* | 180.0357% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6868% | 4,797 |
| Loan loss allowance to noncurrent loans | 1,795.6522% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 4,716 |
| Noncurrent loans to loans | 0.0382% | 4,597 |
| Net loans and leases to total assets | 69.3980% | 2,570 |
| Net loans and leases to deposits | 80.5982% | 2,768 |
| Net loans and leases to core deposits | 87.8212% | 2,707 |
| Total domestic deposits to total assets | 86.1037% | 2,229 |
| Equity capital to assets | 13.6877% | 1,134 |
| Core capital (leverage) ratio | 11.6929% | 1,990 |
| Tier 1 risk-based capital ratio | 14.3402% | 3,176 |
| Total risk-based capital ratio | 14.9627% | 3,407 |
| Memoranda: | ||
| Average total assets | $168,097,000 | 3,210 |
| Average earning assets | $151,564,500 | 3,251 |
| Average equity | $23,761,000 | 2,826 |
| Average total loans | $123,865,500 | 2,978 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 3,420 |
| Cost of funding earning assets | 0.1599% | 5,150 |
| Net interest margin | 4.0486% | 1,833 |
| Noninterest income to average assets | 0.4775% | 2,956 |
| Noninterest expense to average assets | 3.3306% | 1,258 |
| Loan and lease loss provision to assets | 0.0044% | 4,022 |
| Net operating income to assets | 0.8422% | 3,635 |
| Return on assets (ROA) | 0.8422% | 3,635 |
| Pretax return on assets | 0.8422% | 4,062 |
| Return on Equity (ROE) | 5.7088% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.7088% | 2,351 |
| Net charge-offs to loans | 0.0063% | 3,469 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 467 |
| Efficiency ratio | 76.8964% | 1,244 |
| Assets per employee ($millions) | 4.2143% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6357% | 4,916 |
| Loan loss allowance to noncurrent loans | 2,706.6667% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 4,794 |
| Noncurrent loans to loans | 0.0235% | 4,677 |
| Net loans and leases to total assets | 77.2212% | 1,405 |
| Net loans and leases to deposits | 90.7446% | 1,707 |
| Net loans and leases to core deposits | 97.8136% | 1,881 |
| Total domestic deposits to total assets | 85.0973% | 2,606 |
| Equity capital to assets | 14.7439% | 777 |
| Core capital (leverage) ratio | 12.2327% | 1,599 |
| Tier 1 risk-based capital ratio | 14.8463% | 2,910 |
| Total risk-based capital ratio | 15.4582% | 3,126 |
| Memoranda: | ||
| Average total assets | $158,742,200 | 3,299 |
| Average earning assets | $145,061,400 | 3,316 |
| Average equity | $23,420,000 | 2,779 |
| Average total loans | $110,437,400 | 3,122 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0333% | 3,835 |
| Cost of funding earning assets | 0.1562% | 5,202 |
| Net interest margin | 3.8771% | 2,381 |
| Noninterest income to average assets | 0.4593% | 3,108 |
| Noninterest expense to average assets | 3.2634% | 1,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7517% | 4,070 |
| Return on assets (ROA) | 0.7517% | 4,079 |
| Pretax return on assets | 0.7517% | 4,424 |
| Return on Equity (ROE) | 5.0939% | 4,530 |
| Retained earnings to average equity (ytd only) | 5.0939% | 3,184 |
| Net charge-offs to loans | 0.0025% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 442.9363% | 209 |
| Efficiency ratio | 78.3031% | 1,091 |
| Assets per employee ($millions) | 4.4438% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6817% | 4,907 |
| Loan loss allowance to noncurrent loans | 2,896.4286% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 4,910 |
| Noncurrent loans to loans | 0.0235% | 4,797 |
| Net loans and leases to total assets | 73.8617% | 2,007 |
| Net loans and leases to deposits | 86.9432% | 2,268 |
| Net loans and leases to core deposits | 94.0495% | 2,283 |
| Total domestic deposits to total assets | 84.9540% | 2,624 |
| Equity capital to assets | 14.8360% | 756 |
| Core capital (leverage) ratio | 12.2758% | 1,634 |
| Tier 1 risk-based capital ratio | 15.3802% | 2,707 |
| Total risk-based capital ratio | 16.0297% | 2,905 |
| Memoranda: | ||
| Average total assets | $157,338,000 | 3,341 |
| Average earning assets | $144,296,250 | 3,352 |
| Average equity | $23,216,750 | 2,810 |
| Average total loans | $106,113,750 | 3,229 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 4,236 |
| Cost of funding earning assets | 0.1455% | 5,263 |
| Net interest margin | 3.6980% | 2,931 |
| Noninterest income to average assets | 0.4500% | 3,151 |
| Noninterest expense to average assets | 3.1881% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6737% | 4,272 |
| Return on assets (ROA) | 0.6737% | 4,277 |
| Pretax return on assets | 0.6737% | 4,573 |
| Return on Equity (ROE) | 4.5738% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.5738% | 3,308 |
| Net charge-offs to loans | -0.0039% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4439% | 1,076 |
| Assets per employee ($millions) | 4.8406% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 4,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 67.2895% | 2,976 |
| Net loans and leases to deposits | 78.9901% | 3,052 |
| Net loans and leases to core deposits | 85.4247% | 2,975 |
| Total domestic deposits to total assets | 85.1873% | 2,604 |
| Equity capital to assets | 14.6149% | 781 |
| Core capital (leverage) ratio | 12.0798% | 1,666 |
| Tier 1 risk-based capital ratio | 17.0411% | 2,086 |
| Total risk-based capital ratio | 17.7791% | 2,194 |
| Memoranda: | ||
| Average total assets | $156,458,670 | 3,361 |
| Average earning assets | $144,348,670 | 3,368 |
| Average equity | $23,044,330 | 2,839 |
| Average total loans | $101,827,670 | 3,307 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7172% | 4,432 |
| Cost of funding earning assets | 0.1303% | 5,355 |
| Net interest margin | 3.5869% | 3,232 |
| Noninterest income to average assets | 0.3850% | 3,567 |
| Noninterest expense to average assets | 3.2658% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4625% | 4,785 |
| Return on assets (ROA) | 0.4625% | 4,789 |
| Pretax return on assets | 0.4625% | 4,941 |
| Return on Equity (ROE) | 3.1275% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.1275% | 3,953 |
| Net charge-offs to loans | -0.0041% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3382% | 775 |
| Assets per employee ($millions) | 4.6571% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7935% | 4,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 4,317 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 66.1368% | 3,015 |
| Net loans and leases to deposits | 77.9252% | 3,022 |
| Net loans and leases to core deposits | 84.7368% | 2,916 |
| Total domestic deposits to total assets | 84.8721% | 2,984 |
| Equity capital to assets | 14.9431% | 687 |
| Core capital (leverage) ratio | 12.5210% | 1,382 |
| Tier 1 risk-based capital ratio | 18.5488% | 1,675 |
| Total risk-based capital ratio | 19.3684% | 1,751 |
| Memoranda: | ||
| Average total assets | $154,817,500 | 3,419 |
| Average earning assets | $144,303,000 | 3,403 |
| Average equity | $22,893,500 | 2,876 |
| Average total loans | $98,590,000 | 3,385 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2516% | 5,131 |
| Cost of funding earning assets | 0.1286% | 5,372 |
| Net interest margin | 3.1230% | 4,644 |
| Noninterest income to average assets | 0.3542% | 3,933 |
| Noninterest expense to average assets | 3.2585% | 1,466 |
| Loan and lease loss provision to assets | 0.0904% | 2,386 |
| Net operating income to assets | -0.1004% | 5,419 |
| Return on assets (ROA) | -0.1004% | 5,421 |
| Pretax return on assets | -0.1004% | 5,467 |
| Return on Equity (ROE) | -0.6580% | 5,409 |
| Retained earnings to average equity (ytd only) | -0.6580% | 5,139 |
| Net charge-offs to loans | -0.0766% | 5,303 |
| Credit loss provision to net charge-offs | -210.9375% | 4,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1764% | 226 |
| Assets per employee ($millions) | 4.5868% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8572% | 4,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 4,386 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 60.2198% | 3,808 |
| Net loans and leases to deposits | 70.6694% | 3,818 |
| Net loans and leases to core deposits | 76.5551% | 3,699 |
| Total domestic deposits to total assets | 85.2134% | 2,752 |
| Equity capital to assets | 14.6340% | 747 |
| Core capital (leverage) ratio | 12.5223% | 1,345 |
| Tier 1 risk-based capital ratio | 20.0340% | 1,313 |
| Total risk-based capital ratio | 20.9134% | 1,352 |
| Memoranda: | ||
| Average total assets | $149,361,800 | 3,478 |
| Average earning assets | $138,423,600 | 3,475 |
| Average equity | $22,796,000 | 2,877 |
| Average total loans | $83,499,600 | 3,668 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1555% | 5,287 |
| Cost of funding earning assets | 0.1288% | 5,434 |
| Net interest margin | 3.0267% | 4,859 |
| Noninterest income to average assets | 0.3403% | 4,103 |
| Noninterest expense to average assets | 3.2594% | 1,437 |
| Loan and lease loss provision to assets | 0.1219% | 1,778 |
| Net operating income to assets | -0.2419% | 5,591 |
| Return on assets (ROA) | -0.2419% | 5,592 |
| Pretax return on assets | -0.2419% | 5,584 |
| Return on Equity (ROE) | -1.5679% | 5,579 |
| Retained earnings to average equity (ytd only) | -1.5679% | 5,400 |
| Net charge-offs to loans | -0.1041% | 5,393 |
| Credit loss provision to net charge-offs | -214.2857% | 4,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8051% | 167 |
| Assets per employee ($millions) | 4.3934% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 4,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 4,482 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 56.7524% | 4,175 |
| Net loans and leases to deposits | 67.0598% | 4,178 |
| Net loans and leases to core deposits | 72.6585% | 4,092 |
| Total domestic deposits to total assets | 84.6295% | 2,869 |
| Equity capital to assets | 15.2366% | 684 |
| Core capital (leverage) ratio | 12.7258% | 1,320 |
| Tier 1 risk-based capital ratio | 22.4090% | 1,004 |
| Total risk-based capital ratio | 23.4011% | 1,014 |
| Memoranda: | ||
| Average total assets | $147,714,250 | 3,527 |
| Average earning assets | $136,603,000 | 3,527 |
| Average equity | $22,789,500 | 2,901 |
| Average total loans | $80,693,000 | 3,767 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0544% | 5,394 |
| Cost of funding earning assets | 0.1297% | 5,445 |
| Net interest margin | 2.9246% | 5,053 |
| Noninterest income to average assets | 0.3099% | 4,320 |
| Noninterest expense to average assets | 3.2400% | 1,497 |
| Loan and lease loss provision to assets | 0.1835% | 1,029 |
| Net operating income to assets | -0.4172% | 5,670 |
| Return on assets (ROA) | -0.4172% | 5,668 |
| Pretax return on assets | -0.4172% | 5,655 |
| Return on Equity (ROE) | -2.6931% | 5,640 |
| Retained earnings to average equity (ytd only) | -2.6931% | 5,400 |
| Net charge-offs to loans | 0.0531% | 2,164 |
| Credit loss provision to net charge-offs | 642.8571% | 532 |
| Earnings coverage of net charge-offs (x) | -8.1905% | 3,473 |
| Efficiency ratio | 104.9277% | 139 |
| Assets per employee ($millions) | 4.4505% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 4,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 4,519 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 57.2450% | 4,100 |
| Net loans and leases to deposits | 67.7896% | 4,091 |
| Net loans and leases to core deposits | 73.5594% | 3,974 |
| Total domestic deposits to total assets | 84.4451% | 3,033 |
| Equity capital to assets | 15.4528% | 624 |
| Core capital (leverage) ratio | 12.8322% | 1,248 |
| Tier 1 risk-based capital ratio | 22.9130% | 960 |
| Total risk-based capital ratio | 23.8249% | 971 |
| Memoranda: | ||
| Average total assets | $147,160,000 | 3,559 |
| Average earning assets | $135,674,670 | 3,562 |
| Average equity | $22,799,330 | 2,904 |
| Average total loans | $79,061,670 | 3,812 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9317% | 5,518 |
| Cost of funding earning assets | 0.1275% | 5,512 |
| Net interest margin | 2.8042% | 5,231 |
| Noninterest income to average assets | 0.2553% | 4,713 |
| Noninterest expense to average assets | 3.2178% | 1,556 |
| Loan and lease loss provision to assets | 0.3666% | 314 |
| Net operating income to assets | -0.7603% | 5,769 |
| Return on assets (ROA) | -0.7603% | 5,768 |
| Pretax return on assets | -0.7603% | 5,758 |
| Return on Equity (ROE) | -4.9012% | 5,738 |
| Retained earnings to average equity (ytd only) | -4.9012% | 5,380 |
| Net charge-offs to loans | 0.1102% | 1,288 |
| Credit loss provision to net charge-offs | 642.8571% | 485 |
| Earnings coverage of net charge-offs (x) | -6.9048% | 2,910 |
| Efficiency ratio | 110.8654% | 119 |
| Assets per employee ($millions) | 4.4276% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 4,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,582 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 53.1914% | 4,406 |
| Net loans and leases to deposits | 63.0708% | 4,364 |
| Net loans and leases to core deposits | 70.2259% | 4,133 |
| Total domestic deposits to total assets | 84.3360% | 3,349 |
| Equity capital to assets | 15.5511% | 563 |
| Core capital (leverage) ratio | 13.0276% | 1,133 |
| Tier 1 risk-based capital ratio | 27.9229% | 566 |
| Total risk-based capital ratio | 29.0349% | 561 |
| Memoranda: | ||
| Average total assets | $147,306,500 | 3,587 |
| Average earning assets | $134,941,000 | 3,607 |
| Average equity | $22,851,500 | 2,911 |
| Average total loans | $76,192,000 | 3,902 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0685% | 5,438 |
| Cost of funding earning assets | 0.1170% | 5,626 |
| Net interest margin | 2.9515% | 5,049 |
| Noninterest income to average assets | 0.3159% | 4,472 |
| Noninterest expense to average assets | 2.4008% | 4,298 |
| Loan and lease loss provision to assets | 0.2000% | 1,157 |
| Net operating income to assets | 0.5250% | 4,531 |
| Return on assets (ROA) | 0.5960% | 4,334 |
| Pretax return on assets | 0.5960% | 4,793 |
| Return on Equity (ROE) | 4.8513% | 4,492 |
| Retained earnings to average equity (ytd only) | -1.6436% | 5,502 |
| Net charge-offs to loans | 0.1607% | 1,677 |
| Credit loss provision to net charge-offs | 239.8438% | 1,208 |
| Earnings coverage of net charge-offs (x) | 8.6953% | 2,844 |
| Efficiency ratio | 75.7033% | 2,027 |
| Assets per employee ($millions) | 4.9500% | 2,445 |
| Cash dividends to net income (ytd only)* | 133.8798% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 5,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 49.3761% | 4,807 |
| Net loans and leases to deposits | 58.4977% | 4,759 |
| Net loans and leases to core deposits | 62.3477% | 4,735 |
| Total domestic deposits to total assets | 84.4068% | 3,268 |
| Equity capital to assets | 15.4753% | 565 |
| Core capital (leverage) ratio | 13.0890% | 1,104 |
| Tier 1 risk-based capital ratio | 31.4661% | 426 |
| Total risk-based capital ratio | 32.4907% | 425 |
| Memoranda: | ||
| Average total assets | $153,533,400 | 3,465 |
| Average earning assets | $146,164,000 | 3,419 |
| Average equity | $18,861,000 | 3,287 |
| Average total loans | $79,650,000 | 3,805 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1180% | 5,456 |
| Cost of funding earning assets | 0.1129% | 5,708 |
| Net interest margin | 3.0051% | 5,005 |
| Noninterest income to average assets | 0.3221% | 4,473 |
| Noninterest expense to average assets | 2.3050% | 4,519 |
| Loan and lease loss provision to assets | 0.1370% | 1,714 |
| Net operating income to assets | 0.7700% | 3,516 |
| Return on assets (ROA) | 0.8639% | 3,212 |
| Pretax return on assets | 0.8639% | 4,105 |
| Return on Equity (ROE) | 7.4999% | 3,299 |
| Retained earnings to average equity (ytd only) | -1.6600% | 5,573 |
| Net charge-offs to loans | 0.0132% | 3,490 |
| Credit loss provision to net charge-offs | 1,987.5000% | 237 |
| Earnings coverage of net charge-offs (x) | 131.5801% | 519 |
| Efficiency ratio | 71.1987% | 2,702 |
| Assets per employee ($millions) | 5.4220% | 1,933 |
| Cash dividends to net income (ytd only)* | 122.1334% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7392% | 5,336 |
| Loan loss allowance to noncurrent loans | 759.7403% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 5,268 |
| Noncurrent loans to loans | 0.0973% | 4,956 |
| Net loans and leases to total assets | 49.9615% | 4,823 |
| Net loans and leases to deposits | 58.7612% | 4,834 |
| Net loans and leases to core deposits | 62.1211% | 4,821 |
| Total domestic deposits to total assets | 85.0247% | 2,793 |
| Equity capital to assets | 14.7559% | 799 |
| Core capital (leverage) ratio | 11.9178% | 1,732 |
| Tier 1 risk-based capital ratio | 30.7620% | 454 |
| Total risk-based capital ratio | 31.7132% | 461 |
| Memoranda: | ||
| Average total assets | $154,791,500 | 3,468 |
| Average earning assets | $148,854,000 | 3,400 |
| Average equity | $17,831,000 | 3,461 |
| Average total loans | $81,078,000 | 3,800 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1836% | 5,453 |
| Cost of funding earning assets | 0.1150% | 5,781 |
| Net interest margin | 3.0686% | 4,924 |
| Noninterest income to average assets | 0.3169% | 4,514 |
| Noninterest expense to average assets | 2.0471% | 5,175 |
| Loan and lease loss provision to assets | 0.2052% | 1,046 |
| Net operating income to assets | 1.0456% | 2,205 |
| Return on assets (ROA) | 1.1872% | 1,748 |
| Pretax return on assets | 1.1872% | 2,831 |
| Return on Equity (ROE) | 11.3960% | 1,513 |
| Retained earnings to average equity (ytd only) | 10.2365% | 555 |
| Net charge-offs to loans | 0.0196% | 3,105 |
| Credit loss provision to net charge-offs | 1,975.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 120.3750% | 488 |
| Efficiency ratio | 62.0717% | 4,338 |
| Assets per employee ($millions) | 6.3705% | 1,152 |
| Cash dividends to net income (ytd only)* | 10.1751% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7072% | 5,503 |
| Loan loss allowance to noncurrent loans | 759.7403% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 5,368 |
| Noncurrent loans to loans | 0.0931% | 5,079 |
| Net loans and leases to total assets | 51.5713% | 4,708 |
| Net loans and leases to deposits | 57.6456% | 4,919 |
| Net loans and leases to core deposits | 60.8251% | 4,945 |
| Total domestic deposits to total assets | 89.4627% | 702 |
| Equity capital to assets | 10.3885% | 3,750 |
| Core capital (leverage) ratio | 10.2710% | 3,247 |
| Tier 1 risk-based capital ratio | 26.5416% | 687 |
| Total risk-based capital ratio | 27.4998% | 695 |
| Memoranda: | ||
| Average total assets | $153,975,670 | 3,498 |
| Average earning assets | $149,578,670 | 3,407 |
| Average equity | $16,040,670 | 3,726 |
| Average total loans | $81,722,670 | 3,803 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1821% | 5,508 |
| Cost of funding earning assets | 0.1170% | 5,831 |
| Net interest margin | 3.0650% | 4,962 |
| Noninterest income to average assets | 0.3198% | 4,441 |
| Noninterest expense to average assets | 2.1700% | 4,978 |
| Loan and lease loss provision to assets | 0.1903% | 1,040 |
| Net operating income to assets | 0.9356% | 2,579 |
| Return on assets (ROA) | 1.2237% | 1,587 |
| Pretax return on assets | 1.2237% | 2,609 |
| Return on Equity (ROE) | 11.7249% | 1,397 |
| Retained earnings to average equity (ytd only) | 10.5600% | 729 |
| Net charge-offs to loans | -0.0098% | 4,528 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8380% | 3,830 |
| Assets per employee ($millions) | 5.3273% | 2,004 |
| Cash dividends to net income (ytd only)* | 9.9352% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6092% | 5,731 |
| Loan loss allowance to noncurrent loans | 604.7619% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 5,386 |
| Noncurrent loans to loans | 0.1007% | 5,068 |
| Net loans and leases to total assets | 55.5630% | 4,301 |
| Net loans and leases to deposits | 62.3425% | 4,559 |
| Net loans and leases to core deposits | 66.0425% | 4,533 |
| Total domestic deposits to total assets | 89.1254% | 1,036 |
| Equity capital to assets | 10.7720% | 3,186 |
| Core capital (leverage) ratio | 10.8937% | 2,519 |
| Tier 1 risk-based capital ratio | 25.7435% | 754 |
| Total risk-based capital ratio | 26.5713% | 775 |
| Memoranda: | ||
| Average total assets | $151,339,000 | 3,567 |
| Average earning assets | $146,948,000 | 3,460 |
| Average equity | $15,795,500 | 3,763 |
| Average total loans | $81,224,500 | 3,827 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7713% | 5,901 |
| Cost of funding earning assets | 0.1125% | 5,915 |
| Net interest margin | 2.6588% | 5,691 |
| Noninterest income to average assets | 0.3338% | 4,512 |
| Noninterest expense to average assets | 1.9515% | 5,542 |
| Loan and lease loss provision to assets | 0.0348% | 3,653 |
| Net operating income to assets | 0.9398% | 2,662 |
| Return on assets (ROA) | 0.9398% | 2,738 |
| Pretax return on assets | 0.9398% | 3,696 |
| Return on Equity (ROE) | 10.3470% | 1,865 |
| Retained earnings to average equity (ytd only) | 6.6846% | 1,448 |
| Net charge-offs to loans | 0.0073% | 4,187 |
| Credit loss provision to net charge-offs | 1,160.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 325.2000% | 216 |
| Efficiency ratio | 66.6940% | 3,795 |
| Assets per employee ($millions) | 5.4952% | 1,810 |
| Cash dividends to net income (ytd only)* | 35.3954% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5502% | 5,870 |
| Loan loss allowance to noncurrent loans | 21,750.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,732 |
| Noncurrent loans to loans | 0.0025% | 5,557 |
| Net loans and leases to total assets | 51.1006% | 4,768 |
| Net loans and leases to deposits | 57.0026% | 4,980 |
| Net loans and leases to core deposits | 59.8832% | 4,985 |
| Total domestic deposits to total assets | 89.6461% | 780 |
| Equity capital to assets | 10.0887% | 3,872 |
| Core capital (leverage) ratio | 9.8100% | 3,754 |
| Tier 1 risk-based capital ratio | 24.9134% | 822 |
| Total risk-based capital ratio | 25.6179% | 862 |
| Memoranda: | ||
| Average total assets | $166,844,600 | 3,355 |
| Average earning assets | $162,666,200 | 3,219 |
| Average equity | $15,154,200 | 3,816 |
| Average total loans | $68,351,800 | 4,134 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6534% | 6,037 |
| Cost of funding earning assets | 0.1117% | 6,010 |
| Net interest margin | 2.5417% | 5,883 |
| Noninterest income to average assets | 0.3371% | 4,532 |
| Noninterest expense to average assets | 1.8217% | 5,750 |
| Loan and lease loss provision to assets | 0.0462% | 3,280 |
| Net operating income to assets | 0.9477% | 2,724 |
| Return on assets (ROA) | 0.9477% | 2,824 |
| Pretax return on assets | 0.9477% | 3,822 |
| Return on Equity (ROE) | 10.7022% | 1,826 |
| Retained earnings to average equity (ytd only) | 6.1965% | 2,118 |
| Net charge-offs to loans | 0.0122% | 3,747 |
| Credit loss provision to net charge-offs | 983.3333% | 379 |
| Earnings coverage of net charge-offs (x) | 211.3275% | 342 |
| Efficiency ratio | 64.6993% | 4,115 |
| Assets per employee ($millions) | 5.9547% | 1,406 |
| Cash dividends to net income (ytd only)* | 42.1009% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6162% | 5,868 |
| Loan loss allowance to noncurrent loans | 21,750.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,828 |
| Noncurrent loans to loans | 0.0028% | 5,655 |
| Net loans and leases to total assets | 43.6350% | 5,378 |
| Net loans and leases to deposits | 48.5247% | 5,535 |
| Net loans and leases to core deposits | 49.7751% | 5,584 |
| Total domestic deposits to total assets | 89.9233% | 601 |
| Equity capital to assets | 9.6736% | 4,543 |
| Core capital (leverage) ratio | 9.1243% | 4,845 |
| Tier 1 risk-based capital ratio | 26.8216% | 704 |
| Total risk-based capital ratio | 27.5958% | 720 |
| Memoranda: | ||
| Average total assets | $170,089,500 | 3,329 |
| Average earning assets | $165,870,500 | 3,202 |
| Average equity | $15,062,000 | 3,866 |
| Average total loans | $65,674,500 | 4,253 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5476% | 6,141 |
| Cost of funding earning assets | 0.1113% | 6,088 |
| Net interest margin | 2.4364% | 6,018 |
| Noninterest income to average assets | 0.3268% | 4,608 |
| Noninterest expense to average assets | 1.8118% | 5,830 |
| Loan and lease loss provision to assets | 0.0508% | 3,104 |
| Net operating income to assets | 0.8407% | 3,171 |
| Return on assets (ROA) | 0.8407% | 3,275 |
| Pretax return on assets | 0.8407% | 4,161 |
| Return on Equity (ROE) | 9.7729% | 2,172 |
| Retained earnings to average equity (ytd only) | 4.8059% | 2,985 |
| Net charge-offs to loans | -0.0062% | 4,796 |
| Credit loss provision to net charge-offs | -2,200.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0226% | 3,835 |
| Assets per employee ($millions) | 6.2684% | 1,172 |
| Cash dividends to net income (ytd only)* | 50.8242% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 5,925 |
| Loan loss allowance to noncurrent loans | 2,372.2222% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 5,853 |
| Noncurrent loans to loans | 0.0266% | 5,653 |
| Net loans and leases to total assets | 41.3182% | 5,547 |
| Net loans and leases to deposits | 45.7358% | 5,691 |
| Net loans and leases to core deposits | 46.8097% | 5,728 |
| Total domestic deposits to total assets | 90.3411% | 519 |
| Equity capital to assets | 9.3079% | 4,889 |
| Core capital (leverage) ratio | 8.6945% | 5,325 |
| Tier 1 risk-based capital ratio | 27.2524% | 693 |
| Total risk-based capital ratio | 28.0423% | 708 |
| Memoranda: | ||
| Average total assets | $173,193,670 | 3,302 |
| Average earning assets | $168,940,670 | 3,178 |
| Average equity | $14,898,330 | 3,911 |
| Average total loans | $64,036,000 | 4,335 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4307% | 6,249 |
| Cost of funding earning assets | 0.1127% | 6,144 |
| Net interest margin | 2.3180% | 6,153 |
| Noninterest income to average assets | 0.2916% | 4,839 |
| Noninterest expense to average assets | 1.6781% | 6,036 |
| Loan and lease loss provision to assets | 0.0516% | 2,904 |
| Net operating income to assets | 0.8233% | 3,139 |
| Return on assets (ROA) | 0.8233% | 3,268 |
| Pretax return on assets | 0.8233% | 4,155 |
| Return on Equity (ROE) | 9.9441% | 2,030 |
| Retained earnings to average equity (ytd only) | 4.9314% | 3,091 |
| Net charge-offs to loans | 0.0129% | 2,927 |
| Credit loss provision to net charge-offs | 1,150.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 195.0000% | 286 |
| Efficiency ratio | 65.7293% | 4,204 |
| Assets per employee ($millions) | 6.7998% | 942 |
| Cash dividends to net income (ytd only)* | 50.4087% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6287% | 6,021 |
| Loan loss allowance to noncurrent loans | 106.0526% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 5,013 |
| Noncurrent loans to loans | 0.5928% | 3,802 |
| Net loans and leases to total assets | 36.0284% | 5,826 |
| Net loans and leases to deposits | 39.5090% | 5,932 |
| Net loans and leases to core deposits | 40.5095% | 5,956 |
| Total domestic deposits to total assets | 91.1903% | 296 |
| Equity capital to assets | 8.4686% | 5,762 |
| Core capital (leverage) ratio | 8.2208% | 5,793 |
| Tier 1 risk-based capital ratio | 27.2341% | 697 |
| Total risk-based capital ratio | 27.9882% | 718 |
| Memoranda: | ||
| Average total assets | $178,301,000 | 3,261 |
| Average earning assets | $173,942,000 | 3,125 |
| Average equity | $14,762,500 | 3,954 |
| Average total loans | $62,170,500 | 4,426 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3989% | 6,355 |
| Cost of funding earning assets | 0.1166% | 6,264 |
| Net interest margin | 2.2823% | 6,276 |
| Noninterest income to average assets | 0.3117% | 4,893 |
| Noninterest expense to average assets | 1.6977% | 6,157 |
| Loan and lease loss provision to assets | 0.0504% | 3,553 |
| Net operating income to assets | 0.7758% | 3,491 |
| Return on assets (ROA) | 0.7758% | 3,584 |
| Pretax return on assets | 0.7758% | 4,345 |
| Return on Equity (ROE) | 9.4178% | 2,381 |
| Retained earnings to average equity (ytd only) | 4.4311% | 3,028 |
| Net charge-offs to loans | 0.0361% | 4,113 |
| Credit loss provision to net charge-offs | 414.2857% | 626 |
| Earnings coverage of net charge-offs (x) | 67.9048% | 723 |
| Efficiency ratio | 67.2635% | 4,019 |
| Assets per employee ($millions) | 6.9157% | 881 |
| Cash dividends to net income (ytd only)* | 52.9500% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6324% | 6,098 |
| Loan loss allowance to noncurrent loans | 762.0000% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 5,600 |
| Noncurrent loans to loans | 0.0830% | 5,553 |
| Net loans and leases to total assets | 33.2916% | 6,071 |
| Net loans and leases to deposits | 36.3314% | 6,157 |
| Net loans and leases to core deposits | 37.5759% | 6,164 |
| Total domestic deposits to total assets | 91.6333% | 202 |
| Equity capital to assets | 8.0936% | 6,011 |
| Core capital (leverage) ratio | 8.0301% | 5,984 |
| Tier 1 risk-based capital ratio | 23.4807% | 1,011 |
| Total risk-based capital ratio | 24.1031% | 1,082 |
| Memoranda: | ||
| Average total assets | $172,591,200 | 3,298 |
| Average earning assets | $167,284,200 | 3,191 |
| Average equity | $14,217,800 | 3,989 |
| Average total loans | $58,242,000 | 4,541 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3408% | 6,450 |
| Cost of funding earning assets | 0.1179% | 6,348 |
| Net interest margin | 2.2229% | 6,377 |
| Noninterest income to average assets | 0.3138% | 4,931 |
| Noninterest expense to average assets | 1.5731% | 6,312 |
| Loan and lease loss provision to assets | 0.0640% | 3,068 |
| Net operating income to assets | 0.8260% | 3,310 |
| Return on assets (ROA) | 0.8260% | 3,400 |
| Pretax return on assets | 0.8260% | 4,265 |
| Return on Equity (ROE) | 9.9804% | 2,226 |
| Retained earnings to average equity (ytd only) | 5.9147% | 2,462 |
| Net charge-offs to loans | 0.0508% | 3,488 |
| Credit loss provision to net charge-offs | 372.7273% | 759 |
| Earnings coverage of net charge-offs (x) | 51.8227% | 957 |
| Efficiency ratio | 63.8669% | 4,571 |
| Assets per employee ($millions) | 6.7907% | 876 |
| Cash dividends to net income (ytd only)* | 40.7371% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6223% | 6,194 |
| Loan loss allowance to noncurrent loans | 51.1565% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 4,383 |
| Noncurrent loans to loans | 1.2165% | 2,610 |
| Net loans and leases to total assets | 34.0070% | 6,113 |
| Net loans and leases to deposits | 37.0996% | 6,212 |
| Net loans and leases to core deposits | 38.3942% | 6,225 |
| Total domestic deposits to total assets | 91.6639% | 205 |
| Equity capital to assets | 8.1033% | 6,078 |
| Core capital (leverage) ratio | 8.5008% | 5,658 |
| Tier 1 risk-based capital ratio | 23.2162% | 1,091 |
| Total risk-based capital ratio | 23.8238% | 1,161 |
| Memoranda: | ||
| Average total assets | $170,787,000 | 3,355 |
| Average earning assets | $165,122,750 | 3,246 |
| Average equity | $14,134,000 | 4,025 |
| Average total loans | $57,742,000 | 4,603 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2661% | 6,537 |
| Cost of funding earning assets | 0.1178% | 6,422 |
| Net interest margin | 2.1483% | 6,474 |
| Noninterest income to average assets | 0.3778% | 4,427 |
| Noninterest expense to average assets | 1.5835% | 6,373 |
| Loan and lease loss provision to assets | 0.0663% | 2,940 |
| Net operating income to assets | 0.8018% | 3,325 |
| Return on assets (ROA) | 0.8018% | 3,429 |
| Pretax return on assets | 0.8018% | 4,256 |
| Return on Equity (ROE) | 9.6190% | 2,313 |
| Retained earnings to average equity (ytd only) | 5.4560% | 2,665 |
| Net charge-offs to loans | -0.0493% | 5,865 |
| Credit loss provision to net charge-offs | -400.0000% | 5,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5894% | 4,600 |
| Assets per employee ($millions) | 6.6575% | 940 |
| Cash dividends to net income (ytd only)* | 43.2792% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6551% | 6,242 |
| Loan loss allowance to noncurrent loans | 46.3473% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 4,208 |
| Noncurrent loans to loans | 1.4134% | 2,439 |
| Net loans and leases to total assets | 35.2624% | 6,088 |
| Net loans and leases to deposits | 38.6472% | 6,201 |
| Net loans and leases to core deposits | 40.0177% | 6,224 |
| Total domestic deposits to total assets | 91.2418% | 327 |
| Equity capital to assets | 8.5696% | 5,745 |
| Core capital (leverage) ratio | 8.5186% | 5,619 |
| Tier 1 risk-based capital ratio | 22.6319% | 1,165 |
| Total risk-based capital ratio | 23.2519% | 1,237 |
| Memoranda: | ||
| Average total assets | $168,863,330 | 3,396 |
| Average earning assets | $163,009,330 | 3,282 |
| Average equity | $14,076,330 | 4,038 |
| Average total loans | $56,850,000 | 4,663 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1926% | 6,622 |
| Cost of funding earning assets | 0.1171% | 6,505 |
| Net interest margin | 2.0756% | 6,569 |
| Noninterest income to average assets | 0.3622% | 4,493 |
| Noninterest expense to average assets | 1.5052% | 6,494 |
| Loan and lease loss provision to assets | 0.1082% | 2,129 |
| Net operating income to assets | 0.7503% | 3,416 |
| Return on assets (ROA) | 0.7503% | 3,498 |
| Pretax return on assets | 0.7503% | 4,311 |
| Return on Equity (ROE) | 9.1254% | 2,403 |
| Retained earnings to average equity (ytd only) | 4.8630% | 3,196 |
| Net charge-offs to loans | -0.0072% | 4,924 |
| Credit loss provision to net charge-offs | -4,600.0000% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6816% | 4,909 |
| Assets per employee ($millions) | 7.3594% | 675 |
| Cash dividends to net income (ytd only)* | 46.7085% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6259% | 6,373 |
| Loan loss allowance to noncurrent loans | 38.9903% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 4,303 |
| Noncurrent loans to loans | 1.6054% | 2,413 |
| Net loans and leases to total assets | 32.6277% | 6,241 |
| Net loans and leases to deposits | 35.5022% | 6,332 |
| Net loans and leases to core deposits | 36.8559% | 6,339 |
| Total domestic deposits to total assets | 91.9032% | 276 |
| Equity capital to assets | 7.9314% | 6,096 |
| Core capital (leverage) ratio | 8.3933% | 5,755 |
| Tier 1 risk-based capital ratio | 21.3162% | 1,414 |
| Total risk-based capital ratio | 21.8724% | 1,525 |
| Memoranda: | ||
| Average total assets | $170,076,000 | 3,408 |
| Average earning assets | $164,002,500 | 3,293 |
| Average equity | $13,983,000 | 4,049 |
| Average total loans | $55,736,500 | 4,736 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2993% | 6,669 |
| Cost of funding earning assets | 0.1719% | 6,431 |
| Net interest margin | 2.1273% | 6,609 |
| Noninterest income to average assets | 0.3761% | 4,621 |
| Noninterest expense to average assets | 1.6943% | 6,453 |
| Loan and lease loss provision to assets | 0.1168% | 2,861 |
| Net operating income to assets | 0.6208% | 4,161 |
| Return on assets (ROA) | 0.6208% | 4,278 |
| Pretax return on assets | 0.6208% | 4,803 |
| Return on Equity (ROE) | 7.4005% | 3,355 |
| Retained earnings to average equity (ytd only) | 5.2384% | 2,459 |
| Net charge-offs to loans | 0.0241% | 4,940 |
| Credit loss provision to net charge-offs | 1,600.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 463 |
| Efficiency ratio | 69.6697% | 3,887 |
| Assets per employee ($millions) | 6.8136% | 841 |
| Cash dividends to net income (ytd only)* | 29.2157% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5909% | 6,486 |
| Loan loss allowance to noncurrent loans | 85.8696% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 5,310 |
| Noncurrent loans to loans | 0.6881% | 4,252 |
| Net loans and leases to total assets | 32.5116% | 6,362 |
| Net loans and leases to deposits | 35.5983% | 6,436 |
| Net loans and leases to core deposits | 37.0767% | 6,441 |
| Total domestic deposits to total assets | 91.3292% | 462 |
| Equity capital to assets | 8.5350% | 5,547 |
| Core capital (leverage) ratio | 8.7640% | 5,344 |
| Tier 1 risk-based capital ratio | 22.6626% | 1,150 |
| Total risk-based capital ratio | 23.1837% | 1,249 |
| Memoranda: | ||
| Average total assets | $164,313,400 | 3,497 |
| Average earning assets | $158,789,200 | 3,368 |
| Average equity | $13,782,800 | 4,106 |
| Average total loans | $49,723,200 | 4,967 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2812% | 6,755 |
| Cost of funding earning assets | 0.1895% | 6,451 |
| Net interest margin | 2.0917% | 6,698 |
| Noninterest income to average assets | 0.3663% | 4,769 |
| Noninterest expense to average assets | 1.6315% | 6,533 |
| Loan and lease loss provision to assets | 0.1613% | 2,238 |
| Net operating income to assets | 0.5957% | 4,366 |
| Return on assets (ROA) | 0.5957% | 4,492 |
| Pretax return on assets | 0.5957% | 5,023 |
| Return on Equity (ROE) | 7.1327% | 3,571 |
| Retained earnings to average equity (ytd only) | 4.6872% | 3,325 |
| Net charge-offs to loans | 0.0629% | 4,008 |
| Credit loss provision to net charge-offs | 865.2174% | 349 |
| Earnings coverage of net charge-offs (x) | 40.6032% | 994 |
| Efficiency ratio | 68.3068% | 4,035 |
| Assets per employee ($millions) | 6.2638% | 1,062 |
| Cash dividends to net income (ytd only)* | 34.2854% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 6,573 |
| Loan loss allowance to noncurrent loans | 79.1878% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 5,329 |
| Noncurrent loans to loans | 0.7456% | 4,355 |
| Net loans and leases to total assets | 34.9429% | 6,323 |
| Net loans and leases to deposits | 38.4892% | 6,427 |
| Net loans and leases to core deposits | 40.2433% | 6,440 |
| Total domestic deposits to total assets | 90.7863% | 620 |
| Equity capital to assets | 9.0068% | 5,179 |
| Core capital (leverage) ratio | 9.0702% | 5,009 |
| Tier 1 risk-based capital ratio | 29.0108% | 567 |
| Total risk-based capital ratio | 29.6809% | 584 |
| Memoranda: | ||
| Average total assets | $164,510,250 | 3,525 |
| Average earning assets | $159,033,500 | 3,392 |
| Average equity | $13,739,250 | 4,166 |
| Average total loans | $48,783,750 | 5,056 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2158% | 6,811 |
| Cost of funding earning assets | 0.2174% | 6,383 |
| Net interest margin | 1.9983% | 6,765 |
| Noninterest income to average assets | 0.3474% | 4,912 |
| Noninterest expense to average assets | 1.5552% | 6,634 |
| Loan and lease loss provision to assets | 0.2304% | 1,625 |
| Net operating income to assets | 0.4952% | 4,818 |
| Return on assets (ROA) | 0.4952% | 4,993 |
| Pretax return on assets | 0.4952% | 5,397 |
| Return on Equity (ROE) | 6.0700% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.7802% | 2,567 |
| Net charge-offs to loans | 0.0970% | 3,389 |
| Credit loss provision to net charge-offs | 847.8261% | 360 |
| Earnings coverage of net charge-offs (x) | 26.6957% | 1,235 |
| Efficiency ratio | 68.1865% | 4,150 |
| Assets per employee ($millions) | 6.2651% | 1,038 |
| Cash dividends to net income (ytd only)* | 4.7733% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5979% | 6,620 |
| Loan loss allowance to noncurrent loans | 81.4815% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 5,387 |
| Noncurrent loans to loans | 0.7338% | 4,457 |
| Net loans and leases to total assets | 35.5330% | 6,327 |
| Net loans and leases to deposits | 39.3889% | 6,433 |
| Net loans and leases to core deposits | 41.9671% | 6,407 |
| Total domestic deposits to total assets | 90.2108% | 900 |
| Equity capital to assets | 9.6164% | 4,430 |
| Core capital (leverage) ratio | 7.9676% | 6,209 |
| Tier 1 risk-based capital ratio | 29.8225% | 529 |
| Total risk-based capital ratio | 30.5067% | 552 |
| Memoranda: | ||
| Average total assets | $169,236,670 | 3,473 |
| Average earning assets | $163,735,330 | 3,336 |
| Average equity | $13,805,670 | 4,190 |
| Average total loans | $47,431,000 | 5,122 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0188% | 6,925 |
| Cost of funding earning assets | 0.2299% | 6,417 |
| Net interest margin | 1.7889% | 6,892 |
| Noninterest income to average assets | 0.3014% | 5,289 |
| Noninterest expense to average assets | 1.4565% | 6,777 |
| Loan and lease loss provision to assets | 0.3872% | 812 |
| Net operating income to assets | 0.1870% | 5,930 |
| Return on assets (ROA) | 0.1870% | 6,043 |
| Pretax return on assets | 0.1870% | 6,102 |
| Return on Equity (ROE) | 2.4673% | 5,791 |
| Retained earnings to average equity (ytd only) | 1.8868% | 5,050 |
| Net charge-offs to loans | -0.0088% | 5,395 |
| Credit loss provision to net charge-offs | -17,600.0000% | 5,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7226% | 3,671 |
| Assets per employee ($millions) | 7.7115% | 558 |
| Cash dividends to net income (ytd only)* | 23.5294% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6844% | 6,621 |
| Loan loss allowance to noncurrent loans | 422.9730% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 6,206 |
| Noncurrent loans to loans | 0.1618% | 5,990 |
| Net loans and leases to total assets | 24.5407% | 6,758 |
| Net loans and leases to deposits | 26.5363% | 6,810 |
| Net loans and leases to core deposits | 29.4969% | 6,775 |
| Total domestic deposits to total assets | 92.4798% | 180 |
| Equity capital to assets | 7.4202% | 6,618 |
| Core capital (leverage) ratio | 7.2817% | 6,554 |
| Tier 1 risk-based capital ratio | 31.9423% | 453 |
| Total risk-based capital ratio | 32.7037% | 462 |
| Memoranda: | ||
| Average total assets | $181,806,500 | 3,325 |
| Average earning assets | $175,750,000 | 3,200 |
| Average equity | $13,780,000 | 4,235 |
| Average total loans | $45,391,500 | 5,237 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3304% | 6,965 |
| Cost of funding earning assets | 0.2982% | 6,462 |
| Net interest margin | 2.0323% | 6,923 |
| Noninterest income to average assets | 0.3301% | 5,092 |
| Noninterest expense to average assets | 1.6693% | 6,751 |
| Loan and lease loss provision to assets | -0.0287% | 6,846 |
| Net operating income to assets | 0.6601% | 3,933 |
| Return on assets (ROA) | 0.6601% | 4,200 |
| Pretax return on assets | 0.6601% | 4,793 |
| Return on Equity (ROE) | 8.0094% | 3,075 |
| Retained earnings to average equity (ytd only) | 6.0589% | 2,044 |
| Net charge-offs to loans | 0.3776% | 2,744 |
| Credit loss provision to net charge-offs | -28.4848% | 6,251 |
| Earnings coverage of net charge-offs (x) | 6.2606% | 2,846 |
| Efficiency ratio | 72.5558% | 3,314 |
| Assets per employee ($millions) | 7.4390% | 643 |
| Cash dividends to net income (ytd only)* | 24.3519% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3019% | 6,941 |
| Loan loss allowance to noncurrent loans | 174.3590% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 6,253 |
| Noncurrent loans to loans | 0.1731% | 6,044 |
| Net loans and leases to total assets | 25.1573% | 6,832 |
| Net loans and leases to deposits | 27.3025% | 6,887 |
| Net loans and leases to core deposits | 31.2407% | 6,822 |
| Total domestic deposits to total assets | 92.1428% | 219 |
| Equity capital to assets | 7.7446% | 6,526 |
| Core capital (leverage) ratio | 7.5228% | 6,490 |
| Tier 1 risk-based capital ratio | 31.3333% | 456 |
| Total risk-based capital ratio | 31.6605% | 493 |
| Memoranda: | ||
| Average total assets | $163,600,600 | 3,556 |
| Average earning assets | $158,639,000 | 3,396 |
| Average equity | $13,484,200 | 4,263 |
| Average total loans | $43,698,800 | 5,345 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3779% | 7,073 |
| Cost of funding earning assets | 0.3213% | 6,506 |
| Net interest margin | 2.0566% | 7,020 |
| Noninterest income to average assets | 0.3369% | 5,109 |
| Noninterest expense to average assets | 1.6205% | 6,860 |
| Loan and lease loss provision to assets | -0.0392% | 6,986 |
| Net operating income to assets | 0.7573% | 3,662 |
| Return on assets (ROA) | 0.7573% | 3,913 |
| Pretax return on assets | 0.7573% | 4,650 |
| Return on Equity (ROE) | 9.0356% | 2,784 |
| Retained earnings to average equity (ytd only) | 7.8017% | 1,704 |
| Net charge-offs to loans | 0.5104% | 2,077 |
| Credit loss provision to net charge-offs | -28.3133% | 6,140 |
| Earnings coverage of net charge-offs (x) | 5.1867% | 3,083 |
| Efficiency ratio | 69.2939% | 3,814 |
| Assets per employee ($millions) | 6.4138% | 993 |
| Cash dividends to net income (ytd only)* | 13.6564% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2963% | 7,058 |
| Loan loss allowance to noncurrent loans | 54.8780% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 6,327 |
| Noncurrent loans to loans | 0.5400% | 5,363 |
| Net loans and leases to total assets | 28.3281% | 6,868 |
| Net loans and leases to deposits | 31.0638% | 6,930 |
| Net loans and leases to core deposits | 35.5539% | 6,867 |
| Total domestic deposits to total assets | 91.1934% | 362 |
| Equity capital to assets | 8.6295% | 6,159 |
| Core capital (leverage) ratio | 8.1127% | 6,220 |
| Tier 1 risk-based capital ratio | 30.8802% | 489 |
| Total risk-based capital ratio | 31.2011% | 526 |
| Memoranda: | ||
| Average total assets | $159,866,500 | 3,661 |
| Average earning assets | $155,596,000 | 3,493 |
| Average equity | $13,398,500 | 4,317 |
| Average total loans | $43,360,750 | 5,419 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3738% | 7,143 |
| Cost of funding earning assets | 0.3424% | 6,545 |
| Net interest margin | 2.0314% | 7,096 |
| Noninterest income to average assets | 0.3344% | 5,153 |
| Noninterest expense to average assets | 1.6029% | 6,919 |
| Loan and lease loss provision to assets | -0.1453% | 7,129 |
| Net operating income to assets | 0.8528% | 3,123 |
| Return on assets (ROA) | 0.8528% | 3,397 |
| Pretax return on assets | 0.8528% | 4,269 |
| Return on Equity (ROE) | 10.2774% | 2,251 |
| Retained earnings to average equity (ytd only) | 9.3719% | 1,149 |
| Net charge-offs to loans | -0.0047% | 6,155 |
| Credit loss provision to net charge-offs | 11,600.0000% | 21 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3767% | 3,873 |
| Assets per employee ($millions) | 6.4288% | 998 |
| Cash dividends to net income (ytd only)* | 8.8106% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5132% | 7,011 |
| Loan loss allowance to noncurrent loans | 21.2204% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 0.7037% | 5,030 |
| Noncurrent loans to loans | 2.4186% | 2,485 |
| Net loans and leases to total assets | 28.1021% | 6,929 |
| Net loans and leases to deposits | 30.7549% | 6,990 |
| Net loans and leases to core deposits | 36.1539% | 6,910 |
| Total domestic deposits to total assets | 91.3745% | 335 |
| Equity capital to assets | 8.4948% | 6,211 |
| Core capital (leverage) ratio | 7.9936% | 6,287 |
| Tier 1 risk-based capital ratio | 29.1754% | 559 |
| Total risk-based capital ratio | 29.7053% | 599 |
| Memoranda: | ||
| Average total assets | $159,706,670 | 3,667 |
| Average earning assets | $155,364,000 | 3,508 |
| Average equity | $13,252,330 | 4,348 |
| Average total loans | $42,628,330 | 5,486 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3708% | 7,198 |
| Cost of funding earning assets | 0.3590% | 6,606 |
| Net interest margin | 2.0118% | 7,164 |
| Noninterest income to average assets | 0.3116% | 5,390 |
| Noninterest expense to average assets | 1.6357% | 6,945 |
| Loan and lease loss provision to assets | 0.1030% | 4,048 |
| Net operating income to assets | 0.5302% | 4,688 |
| Return on assets (ROA) | 0.5302% | 4,897 |
| Pretax return on assets | 0.5302% | 5,333 |
| Return on Equity (ROE) | 6.4664% | 4,061 |
| Retained earnings to average equity (ytd only) | 6.4664% | 2,711 |
| Net charge-offs to loans | -0.0097% | 5,932 |
| Credit loss provision to net charge-offs | -4,100.0000% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0930% | 3,422 |
| Assets per employee ($millions) | 6.6353% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 6,470 |
| Loan loss allowance to noncurrent loans | 17.7758% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 1.3425% | 3,878 |
| Noncurrent loans to loans | 5.2303% | 1,046 |
| Net loans and leases to total assets | 25.0527% | 7,060 |
| Net loans and leases to deposits | 27.2080% | 7,106 |
| Net loans and leases to core deposits | 32.0044% | 7,038 |
| Total domestic deposits to total assets | 92.0787% | 242 |
| Equity capital to assets | 7.8327% | 6,622 |
| Core capital (leverage) ratio | 7.8704% | 6,358 |
| Tier 1 risk-based capital ratio | 29.6408% | 540 |
| Total risk-based capital ratio | 30.5717% | 548 |
| Memoranda: | ||
| Average total assets | $159,199,500 | 3,701 |
| Average earning assets | $154,884,000 | 3,536 |
| Average equity | $13,052,000 | 4,399 |
| Average total loans | $41,243,000 | 5,585 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1879% | 7,130 |
| Cost of funding earning assets | 0.3739% | 6,955 |
| Net interest margin | 2.8140% | 6,809 |
| Noninterest income to average assets | 0.4868% | 3,947 |
| Noninterest expense to average assets | 2.1607% | 6,356 |
| Loan and lease loss provision to assets | 0.1499% | 4,743 |
| Net operating income to assets | 0.8994% | 2,605 |
| Return on assets (ROA) | 0.8994% | 2,741 |
| Pretax return on assets | 0.8994% | 3,610 |
| Return on Equity (ROE) | 8.5947% | 2,634 |
| Retained earnings to average equity (ytd only) | 3.7659% | 3,536 |
| Net charge-offs to loans | 0.0546% | 5,773 |
| Credit loss provision to net charge-offs | 845.4545% | 266 |
| Earnings coverage of net charge-offs (x) | 59.1818% | 485 |
| Efficiency ratio | 67.3111% | 4,513 |
| Assets per employee ($millions) | 6.1007% | 1,160 |
| Cash dividends to net income (ytd only)* | 56.1828% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 6,628 |
| Loan loss allowance to noncurrent loans | 25.4386% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9186% | 4,776 |
| Noncurrent loans to loans | 3.3746% | 1,915 |
| Net loans and leases to total assets | 26.3512% | 7,112 |
| Net loans and leases to deposits | 28.8566% | 7,155 |
| Net loans and leases to core deposits | 34.3528% | 7,073 |
| Total domestic deposits to total assets | 91.3177% | 393 |
| Equity capital to assets | 8.5964% | 6,017 |
| Core capital (leverage) ratio | 8.5177% | 5,533 |
| Tier 1 risk-based capital ratio | 29.9243% | 522 |
| Total risk-based capital ratio | 30.7773% | 531 |
| Memoranda: | ||
| Average total assets | $124,082,000 | 4,293 |
| Average earning assets | $120,078,600 | 4,131 |
| Average equity | $12,984,800 | 4,340 |
| Average total loans | $40,258,800 | 5,683 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4627% | 7,101 |
| Cost of funding earning assets | 0.3749% | 7,073 |
| Net interest margin | 3.0878% | 6,410 |
| Noninterest income to average assets | 0.5186% | 3,737 |
| Noninterest expense to average assets | 2.1782% | 6,325 |
| Loan and lease loss provision to assets | 0.1653% | 4,409 |
| Net operating income to assets | 1.1512% | 1,810 |
| Return on assets (ROA) | 1.1512% | 1,927 |
| Pretax return on assets | 1.1512% | 2,820 |
| Return on Equity (ROE) | 10.3961% | 2,073 |
| Retained earnings to average equity (ytd only) | 6.3303% | 2,345 |
| Net charge-offs to loans | -0.0199% | 6,910 |
| Credit loss provision to net charge-offs | -2,416.6667% | 6,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3288% | 5,362 |
| Assets per employee ($millions) | 5.4699% | 1,634 |
| Cash dividends to net income (ytd only)* | 39.1087% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8468% | 6,728 |
| Loan loss allowance to noncurrent loans | 253.7879% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 6,730 |
| Noncurrent loans to loans | 0.3336% | 6,181 |
| Net loans and leases to total assets | 29.8819% | 7,093 |
| Net loans and leases to deposits | 33.3509% | 7,149 |
| Net loans and leases to core deposits | 40.1244% | 7,037 |
| Total domestic deposits to total assets | 89.5983% | 1,093 |
| Equity capital to assets | 10.2082% | 4,070 |
| Core capital (leverage) ratio | 9.8739% | 3,613 |
| Tier 1 risk-based capital ratio | 30.8279% | 502 |
| Total risk-based capital ratio | 31.6653% | 506 |
| Memoranda: | ||
| Average total assets | $116,973,250 | 4,503 |
| Average earning assets | $112,741,250 | 4,340 |
| Average equity | $12,953,250 | 4,359 |
| Average total loans | $40,189,000 | 5,736 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6335% | 7,075 |
| Cost of funding earning assets | 0.3829% | 7,167 |
| Net interest margin | 3.2506% | 6,001 |
| Noninterest income to average assets | 0.5187% | 3,714 |
| Noninterest expense to average assets | 2.2887% | 6,162 |
| Loan and lease loss provision to assets | 0.0570% | 5,606 |
| Net operating income to assets | 1.2905% | 1,345 |
| Return on assets (ROA) | 1.2905% | 1,417 |
| Pretax return on assets | 1.2905% | 2,165 |
| Return on Equity (ROE) | 11.3090% | 1,697 |
| Retained earnings to average equity (ytd only) | 8.7473% | 1,195 |
| Net charge-offs to loans | -0.0297% | 6,918 |
| Credit loss provision to net charge-offs | -533.3333% | 6,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9412% | 5,414 |
| Assets per employee ($millions) | 4.9556% | 2,194 |
| Cash dividends to net income (ytd only)* | 22.6519% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5466% | 7,199 |
| Loan loss allowance to noncurrent loans | 159.7122% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 6,806 |
| Noncurrent loans to loans | 0.3423% | 6,230 |
| Net loans and leases to total assets | 33.9592% | 7,048 |
| Net loans and leases to deposits | 38.2936% | 7,111 |
| Net loans and leases to core deposits | 49.4400% | 6,785 |
| Total domestic deposits to total assets | 88.6811% | 1,733 |
| Equity capital to assets | 11.1238% | 2,841 |
| Core capital (leverage) ratio | 10.3890% | 2,843 |
| Tier 1 risk-based capital ratio | 29.0710% | 592 |
| Total risk-based capital ratio | 29.5966% | 619 |
| Memoranda: | ||
| Average total assets | $112,205,330 | 4,651 |
| Average earning assets | $107,609,330 | 4,517 |
| Average equity | $12,804,000 | 4,385 |
| Average total loans | $40,397,670 | 5,787 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6012% | 7,138 |
| Cost of funding earning assets | 0.4087% | 7,206 |
| Net interest margin | 3.1925% | 6,090 |
| Noninterest income to average assets | 0.4925% | 3,948 |
| Noninterest expense to average assets | 2.3484% | 6,057 |
| Loan and lease loss provision to assets | 0.0368% | 5,529 |
| Net operating income to assets | 1.1503% | 1,665 |
| Return on assets (ROA) | 1.1503% | 1,711 |
| Pretax return on assets | 1.1503% | 2,560 |
| Return on Equity (ROE) | 9.9436% | 2,119 |
| Retained earnings to average equity (ytd only) | 4.7335% | 3,358 |
| Net charge-offs to loans | -0.0596% | 6,944 |
| Credit loss provision to net charge-offs | -166.6667% | 5,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4241% | 4,960 |
| Assets per employee ($millions) | 4.3756% | 3,081 |
| Cash dividends to net income (ytd only)* | 52.3962% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4946% | 7,287 |
| Loan loss allowance to noncurrent loans | 17.1233% | 6,867 |
| Noncurrent assets plus other real estate owned to assets | 1.0778% | 4,770 |
| Noncurrent loans to loans | 2.8882% | 2,603 |
| Net loans and leases to total assets | 36.7855% | 6,966 |
| Net loans and leases to deposits | 41.6882% | 7,034 |
| Net loans and leases to core deposits | 49.7847% | 6,784 |
| Total domestic deposits to total assets | 88.2394% | 2,235 |
| Equity capital to assets | 11.6353% | 2,173 |
| Core capital (leverage) ratio | 10.9079% | 2,260 |
| Tier 1 risk-based capital ratio | 27.4248% | 674 |
| Total risk-based capital ratio | 27.8870% | 721 |
| Memoranda: | ||
| Average total assets | $108,841,000 | 4,765 |
| Average earning assets | $103,743,000 | 4,641 |
| Average equity | $12,591,000 | 4,422 |
| Average total loans | $40,291,000 | 5,836 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 7,182 |
| Cost of funding earning assets | 0.4965% | 7,301 |
| Net interest margin | 3.4289% | 5,515 |
| Noninterest income to average assets | 0.5768% | 3,609 |
| Noninterest expense to average assets | 2.5269% | 5,694 |
| Loan and lease loss provision to assets | 0.0371% | 6,790 |
| Net operating income to assets | 1.3225% | 1,118 |
| Return on assets (ROA) | 1.3225% | 1,185 |
| Pretax return on assets | 1.3225% | 1,877 |
| Return on Equity (ROE) | 10.5617% | 1,735 |
| Retained earnings to average equity (ytd only) | 0.9821% | 5,050 |
| Net charge-offs to loans | -0.0415% | 7,427 |
| Credit loss provision to net charge-offs | -237.5000% | 7,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0176% | 5,161 |
| Assets per employee ($millions) | 4.3316% | 3,147 |
| Cash dividends to net income (ytd only)* | 90.7011% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4584% | 7,389 |
| Loan loss allowance to noncurrent loans | 15.7265% | 6,960 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 4,831 |
| Noncurrent loans to loans | 2.9147% | 2,616 |
| Net loans and leases to total assets | 36.8987% | 7,119 |
| Net loans and leases to deposits | 41.7303% | 7,194 |
| Net loans and leases to core deposits | 50.5024% | 6,960 |
| Total domestic deposits to total assets | 88.4219% | 2,002 |
| Equity capital to assets | 11.5005% | 2,260 |
| Core capital (leverage) ratio | 11.1456% | 2,052 |
| Tier 1 risk-based capital ratio | 27.6120% | 640 |
| Total risk-based capital ratio | 28.0456% | 674 |
| Memoranda: | ||
| Average total assets | $102,458,200 | 4,913 |
| Average earning assets | $98,893,800 | 4,750 |
| Average equity | $12,829,400 | 4,393 |
| Average total loans | $38,593,000 | 5,983 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9855% | 7,288 |
| Cost of funding earning assets | 0.5122% | 7,430 |
| Net interest margin | 3.4734% | 5,404 |
| Noninterest income to average assets | 0.5901% | 3,506 |
| Noninterest expense to average assets | 2.4065% | 6,013 |
| Loan and lease loss provision to assets | 0.0502% | 6,584 |
| Net operating income to assets | 1.4996% | 926 |
| Return on assets (ROA) | 1.4996% | 1,002 |
| Pretax return on assets | 1.4996% | 1,618 |
| Return on Equity (ROE) | 11.7202% | 1,585 |
| Retained earnings to average equity (ytd only) | 6.2109% | 2,255 |
| Net charge-offs to loans | 0.0140% | 6,478 |
| Credit loss provision to net charge-offs | 950.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 293.6754% | 109 |
| Efficiency ratio | 60.8275% | 5,818 |
| Assets per employee ($millions) | 3.9109% | 4,013 |
| Cash dividends to net income (ytd only)* | 47.0069% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4160% | 7,518 |
| Loan loss allowance to noncurrent loans | 13.4647% | 7,106 |
| Noncurrent assets plus other real estate owned to assets | 1.2458% | 4,658 |
| Noncurrent loans to loans | 3.0898% | 2,581 |
| Net loans and leases to total assets | 40.1506% | 7,065 |
| Net loans and leases to deposits | 46.5146% | 7,148 |
| Net loans and leases to core deposits | 55.5751% | 6,883 |
| Total domestic deposits to total assets | 86.3182% | 2,903 |
| Equity capital to assets | 13.4630% | 1,364 |
| Core capital (leverage) ratio | 12.3816% | 1,465 |
| Tier 1 risk-based capital ratio | 28.5313% | 595 |
| Total risk-based capital ratio | 28.9150% | 635 |
| Memoranda: | ||
| Average total assets | $101,000,000 | 5,014 |
| Average earning assets | $97,884,750 | 4,843 |
| Average equity | $12,923,250 | 4,455 |
| Average total loans | $38,205,750 | 6,086 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 7,371 |
| Cost of funding earning assets | 0.5132% | 7,528 |
| Net interest margin | 3.4735% | 5,350 |
| Noninterest income to average assets | 0.5604% | 3,627 |
| Noninterest expense to average assets | 2.3923% | 6,084 |
| Loan and lease loss provision to assets | 0.0745% | 6,200 |
| Net operating income to assets | 1.4617% | 974 |
| Return on assets (ROA) | 1.4617% | 1,037 |
| Pretax return on assets | 1.4617% | 1,665 |
| Return on Equity (ROE) | 11.6169% | 1,554 |
| Retained earnings to average equity (ytd only) | 6.1822% | 2,235 |
| Net charge-offs to loans | 0.0159% | 6,119 |
| Credit loss provision to net charge-offs | 1,266.6667% | 308 |
| Earnings coverage of net charge-offs (x) | 261.3333% | 127 |
| Efficiency ratio | 60.8978% | 5,879 |
| Assets per employee ($millions) | 3.8836% | 4,023 |
| Cash dividends to net income (ytd only)* | 46.7828% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4516% | 7,556 |
| Loan loss allowance to noncurrent loans | 63.9535% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 6,734 |
| Noncurrent loans to loans | 0.7062% | 5,836 |
| Net loans and leases to total assets | 37.4615% | 7,295 |
| Net loans and leases to deposits | 43.3546% | 7,340 |
| Net loans and leases to core deposits | 52.1695% | 7,127 |
| Total domestic deposits to total assets | 86.4073% | 2,865 |
| Equity capital to assets | 13.4248% | 1,379 |
| Core capital (leverage) ratio | 12.1867% | 1,548 |
| Tier 1 risk-based capital ratio | 29.2236% | 556 |
| Total risk-based capital ratio | 29.6258% | 592 |
| Memoranda: | ||
| Average total assets | $102,076,000 | 5,015 |
| Average earning assets | $98,977,670 | 4,846 |
| Average equity | $12,843,330 | 4,471 |
| Average total loans | $37,801,000 | 6,144 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9647% | 7,487 |
| Cost of funding earning assets | 0.5192% | 7,652 |
| Net interest margin | 3.4455% | 5,396 |
| Noninterest income to average assets | 0.5088% | 3,982 |
| Noninterest expense to average assets | 2.3257% | 6,315 |
| Loan and lease loss provision to assets | 0.1454% | 5,096 |
| Net operating income to assets | 1.3886% | 1,099 |
| Return on assets (ROA) | 1.3886% | 1,175 |
| Pretax return on assets | 1.3886% | 1,807 |
| Return on Equity (ROE) | 11.3900% | 1,673 |
| Retained earnings to average equity (ytd only) | 6.7148% | 2,261 |
| Net charge-offs to loans | 0.0833% | 4,596 |
| Credit loss provision to net charge-offs | 475.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 50.1250% | 578 |
| Efficiency ratio | 60.2577% | 6,117 |
| Assets per employee ($millions) | 4.1272% | 3,605 |
| Cash dividends to net income (ytd only)* | 41.0468% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4159% | 7,681 |
| Loan loss allowance to noncurrent loans | 46.3768% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 6,622 |
| Noncurrent loans to loans | 0.8967% | 5,524 |
| Net loans and leases to total assets | 37.1328% | 7,382 |
| Net loans and leases to deposits | 42.4405% | 7,447 |
| Net loans and leases to core deposits | 51.5659% | 7,223 |
| Total domestic deposits to total assets | 87.4938% | 2,362 |
| Equity capital to assets | 12.4034% | 1,808 |
| Core capital (leverage) ratio | 11.4897% | 1,915 |
| Tier 1 risk-based capital ratio | 27.1172% | 699 |
| Total risk-based capital ratio | 27.4847% | 745 |
| Memoranda: | ||
| Average total assets | $104,569,500 | 5,020 |
| Average earning assets | $101,698,500 | 4,826 |
| Average equity | $12,748,000 | 4,534 |
| Average total loans | $38,433,500 | 6,195 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 7,526 |
| Cost of funding earning assets | 0.8007% | 7,550 |
| Net interest margin | 3.5440% | 4,766 |
| Noninterest income to average assets | 0.6285% | 3,434 |
| Noninterest expense to average assets | 2.7547% | 5,149 |
| Loan and lease loss provision to assets | -0.0871% | 7,984 |
| Net operating income to assets | 1.3648% | 915 |
| Return on assets (ROA) | 1.3648% | 964 |
| Pretax return on assets | 1.3648% | 1,517 |
| Return on Equity (ROE) | 10.1767% | 1,642 |
| Retained earnings to average equity (ytd only) | 2.7939% | 3,208 |
| Net charge-offs to loans | 0.0146% | 7,015 |
| Credit loss provision to net charge-offs | -1,600.0000% | 7,471 |
| Earnings coverage of net charge-offs (x) | 234.6000% | 119 |
| Efficiency ratio | 68.3144% | 4,957 |
| Assets per employee ($millions) | 4.2383% | 3,365 |
| Cash dividends to net income (ytd only)* | 72.5459% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3386% | 7,802 |
| Loan loss allowance to noncurrent loans | 49.2424% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 6,808 |
| Noncurrent loans to loans | 0.6876% | 5,861 |
| Net loans and leases to total assets | 36.1115% | 7,514 |
| Net loans and leases to deposits | 41.0591% | 7,594 |
| Net loans and leases to core deposits | 59.2462% | 7,291 |
| Total domestic deposits to total assets | 87.9499% | 1,991 |
| Equity capital to assets | 11.9840% | 2,045 |
| Core capital (leverage) ratio | 12.0618% | 1,636 |
| Tier 1 risk-based capital ratio | 26.5215% | 728 |
| Total risk-based capital ratio | 26.8189% | 782 |
| Memoranda: | ||
| Average total assets | $91,807,000 | 5,343 |
| Average earning assets | $88,176,400 | 5,190 |
| Average equity | $12,312,400 | 4,679 |
| Average total loans | $34,219,400 | 6,384 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 7,494 |
| Cost of funding earning assets | 0.8937% | 7,574 |
| Net interest margin | 3.6204% | 4,407 |
| Noninterest income to average assets | 0.5861% | 3,808 |
| Noninterest expense to average assets | 2.7279% | 5,203 |
| Loan and lease loss provision to assets | -0.1012% | 8,069 |
| Net operating income to assets | 1.4229% | 974 |
| Return on assets (ROA) | 1.4229% | 1,040 |
| Pretax return on assets | 1.4229% | 1,638 |
| Return on Equity (ROE) | 10.2814% | 1,823 |
| Retained earnings to average equity (ytd only) | 3.8964% | 3,115 |
| Net charge-offs to loans | 0.0040% | 6,925 |
| Credit loss provision to net charge-offs | -6,700.0000% | 7,422 |
| Earnings coverage of net charge-offs (x) | 877.1729% | 29 |
| Efficiency ratio | 67.3629% | 5,108 |
| Assets per employee ($millions) | 3.4526% | 5,041 |
| Cash dividends to net income (ytd only)* | 62.1018% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4191% | 7,804 |
| Loan loss allowance to noncurrent loans | 72.0588% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 6,901 |
| Noncurrent loans to loans | 0.5816% | 6,153 |
| Net loans and leases to total assets | 40.4630% | 7,444 |
| Net loans and leases to deposits | 47.5449% | 7,516 |
| Net loans and leases to core deposits | 63.3314% | 7,273 |
| Total domestic deposits to total assets | 85.1047% | 3,173 |
| Equity capital to assets | 14.6694% | 1,098 |
| Core capital (leverage) ratio | 13.2791% | 1,300 |
| Tier 1 risk-based capital ratio | 29.5187% | 600 |
| Total risk-based capital ratio | 29.8927% | 624 |
| Memoranda: | ||
| Average total assets | $88,269,250 | 5,473 |
| Average earning assets | $84,444,250 | 5,358 |
| Average equity | $12,216,000 | 4,742 |
| Average total loans | $33,176,000 | 6,500 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 7,562 |
| Cost of funding earning assets | 0.9769% | 7,586 |
| Net interest margin | 3.5954% | 4,382 |
| Noninterest income to average assets | 0.4926% | 4,510 |
| Noninterest expense to average assets | 2.6811% | 5,451 |
| Loan and lease loss provision to assets | -0.1350% | 8,168 |
| Net operating income to assets | 1.3653% | 1,091 |
| Return on assets (ROA) | 1.3653% | 1,161 |
| Pretax return on assets | 1.3653% | 1,816 |
| Return on Equity (ROE) | 10.0602% | 1,999 |
| Retained earnings to average equity (ytd only) | 2.7512% | 3,798 |
| Net charge-offs to loans | 0.0369% | 5,938 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | 91.1667% | 421 |
| Efficiency ratio | 68.5451% | 5,055 |
| Assets per employee ($millions) | 3.4810% | 4,857 |
| Cash dividends to net income (ytd only)* | 72.6524% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4600% | 7,832 |
| Loan loss allowance to noncurrent loans | 91.9753% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 7,036 |
| Noncurrent loans to loans | 0.5001% | 6,274 |
| Net loans and leases to total assets | 37.0521% | 7,675 |
| Net loans and leases to deposits | 43.3022% | 7,723 |
| Net loans and leases to core deposits | 59.2837% | 7,476 |
| Total domestic deposits to total assets | 85.5664% | 2,986 |
| Equity capital to assets | 14.2107% | 1,245 |
| Core capital (leverage) ratio | 12.9500% | 1,450 |
| Tier 1 risk-based capital ratio | 30.8555% | 548 |
| Total risk-based capital ratio | 31.2583% | 587 |
| Memoranda: | ||
| Average total assets | $88,920,330 | 5,498 |
| Average earning assets | $84,552,330 | 5,391 |
| Average equity | $12,067,330 | 4,798 |
| Average total loans | $32,543,670 | 6,586 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 7,576 |
| Cost of funding earning assets | 1.1242% | 7,475 |
| Net interest margin | 3.5236% | 4,636 |
| Noninterest income to average assets | 0.4540% | 4,731 |
| Noninterest expense to average assets | 2.6172% | 5,379 |
| Loan and lease loss provision to assets | 0.0045% | 6,726 |
| Net operating income to assets | 1.1528% | 1,793 |
| Return on assets (ROA) | 1.1528% | 1,915 |
| Pretax return on assets | 1.1528% | 2,791 |
| Return on Equity (ROE) | 8.6931% | 2,842 |
| Retained earnings to average equity (ytd only) | -1.4433% | 5,988 |
| Net charge-offs to loans | -0.0123% | 7,319 |
| Credit loss provision to net charge-offs | -100.0000% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3396% | 4,711 |
| Assets per employee ($millions) | 3.5631% | 4,662 |
| Cash dividends to net income (ytd only)* | 116.6023% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6961% | 7,447 |
| Loan loss allowance to noncurrent loans | 103.3333% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 6,779 |
| Noncurrent loans to loans | 0.6737% | 5,722 |
| Net loans and leases to total assets | 34.7520% | 7,778 |
| Net loans and leases to deposits | 40.2554% | 7,834 |
| Net loans and leases to core deposits | 55.7515% | 7,629 |
| Total domestic deposits to total assets | 86.3287% | 2,533 |
| Equity capital to assets | 13.5097% | 1,529 |
| Core capital (leverage) ratio | 12.4694% | 1,699 |
| Tier 1 risk-based capital ratio | 31.9168% | 534 |
| Total risk-based capital ratio | 32.5349% | 554 |
| Memoranda: | ||
| Average total assets | $89,867,500 | 5,490 |
| Average earning assets | $84,686,000 | 5,407 |
| Average equity | $11,917,500 | 4,858 |
| Average total loans | $32,618,500 | 6,606 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0978% | 7,773 |
| Cost of funding earning assets | 1.7400% | 7,159 |
| Net interest margin | 3.3577% | 5,834 |
| Noninterest income to average assets | 0.7118% | 3,040 |
| Noninterest expense to average assets | 2.6304% | 5,535 |
| Loan and lease loss provision to assets | 0.1364% | 5,616 |
| Net operating income to assets | 1.1232% | 2,056 |
| Return on assets (ROA) | 1.1232% | 1,970 |
| Pretax return on assets | 1.1232% | 2,937 |
| Return on Equity (ROE) | 8.5988% | 2,792 |
| Retained earnings to average equity (ytd only) | 2.8253% | 3,418 |
| Net charge-offs to loans | 0.0622% | 5,887 |
| Credit loss provision to net charge-offs | 626.3158% | 687 |
| Earnings coverage of net charge-offs (x) | 57.8421% | 689 |
| Efficiency ratio | 67.6193% | 4,792 |
| Assets per employee ($millions) | 3.6263% | 4,347 |
| Cash dividends to net income (ytd only)* | 67.1429% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6312% | 7,607 |
| Loan loss allowance to noncurrent loans | 75.1748% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 6,311 |
| Noncurrent loans to loans | 0.8396% | 4,952 |
| Net loans and leases to total assets | 37.3370% | 7,783 |
| Net loans and leases to deposits | 42.9910% | 7,876 |
| Net loans and leases to core deposits | 60.7462% | 7,551 |
| Total domestic deposits to total assets | 86.8484% | 2,006 |
| Equity capital to assets | 13.0171% | 1,778 |
| Core capital (leverage) ratio | 12.8210% | 1,608 |
| Tier 1 risk-based capital ratio | 26.7943% | 840 |
| Total risk-based capital ratio | 27.3065% | 877 |
| Memoranda: | ||
| Average total assets | $87,249,600 | 5,444 |
| Average earning assets | $82,585,400 | 5,344 |
| Average equity | $11,397,000 | 5,006 |
| Average total loans | $30,560,400 | 6,674 |