Home > First State Bank of Warren > Performance and Condition Ratios
First State Bank of Warren, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 4,203 |
| Cost of funding earning assets | 1.4204% | 3,361 |
| Net interest margin | 2.6489% | 3,653 |
| Noninterest income to average assets | 1.0100% | 548 |
| Noninterest expense to average assets | 2.5982% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8880% | 2,264 |
| Return on assets (ROA) | 0.8880% | 2,277 |
| Pretax return on assets | 0.8880% | 2,701 |
| Return on Equity (ROE) | 17.5900% | 653 |
| Retained earnings to average equity (ytd only) | 17.5937% | 287 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.5292% | 1,690 |
| Assets per employee ($millions) | 4.2210% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9870% | 393 |
| Loan loss allowance to noncurrent loans | 1,277.0115% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 2,600 |
| Noncurrent loans to loans | 0.1556% | 2,839 |
| Net loans and leases to total assets | 48.0900% | 3,698 |
| Net loans and leases to deposits | 50.7698% | 3,893 |
| Net loans and leases to core deposits | 59.3530% | 3,793 |
| Total domestic deposits to total assets | 94.7100% | 78 |
| Equity capital to assets | 5.0830% | 4,363 |
| Core capital (leverage) ratio | 11.9314% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2353% | 894 |
| Memoranda: | ||
| Average total assets | $115,770,500 | 3,688 |
| Average earning assets | $108,420,500 | 3,655 |
| Average equity | $5,843,000 | 4,211 |
| Average total loans | $56,684,500 | 3,766 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7516% | 4,229 |
| Cost of funding earning assets | 1.1027% | 3,065 |
| Net interest margin | 2.6490% | 3,901 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.6952% | 1,744 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.3994% | 3,873 |
| Return on assets (ROA) | 0.3994% | 3,864 |
| Pretax return on assets | 0.3994% | 3,968 |
| Return on Equity (ROE) | 8.8600% | 2,794 |
| Retained earnings to average equity (ytd only) | 2.7839% | 3,348 |
| Net charge-offs to loans | 0.0272% | 1,771 |
| Credit loss provision to net charge-offs | -340.0000% | 4,524 |
| Earnings coverage of net charge-offs (x) | 27.8000% | 1,676 |
| Efficiency ratio | 88.3357% | 474 |
| Assets per employee ($millions) | 4.5220% | 3,940 |
| Cash dividends to net income (ytd only)* | 68.5897% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9337% | 431 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 2,998 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 47.9200% | 3,731 |
| Net loans and leases to deposits | 52.2565% | 3,871 |
| Net loans and leases to core deposits | 59.1513% | 3,794 |
| Total domestic deposits to total assets | 91.7100% | 353 |
| Equity capital to assets | 5.0122% | 4,410 |
| Core capital (leverage) ratio | 11.3701% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $117,171,600 | 3,680 |
| Average earning assets | $110,005,800 | 3,652 |
| Average equity | $5,280,400 | 4,235 |
| Average total loans | $55,175,200 | 3,773 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6292% | 4,283 |
| Cost of funding earning assets | 1.0050% | 3,023 |
| Net interest margin | 2.6242% | 3,996 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.6934% | 1,683 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.3679% | 4,014 |
| Return on assets (ROA) | 0.3679% | 4,018 |
| Pretax return on assets | 0.3679% | 4,097 |
| Return on Equity (ROE) | 8.3900% | 3,093 |
| Retained earnings to average equity (ytd only) | 3.6904% | 3,339 |
| Net charge-offs to loans | 0.0024% | 2,461 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,620 |
| Earnings coverage of net charge-offs (x) | 291.0000% | 461 |
| Efficiency ratio | 89.0437% | 407 |
| Assets per employee ($millions) | 4.5074% | 3,936 |
| Cash dividends to net income (ytd only)* | 56.0372% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 357 |
| Loan loss allowance to noncurrent loans | 1,465.3846% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 2,575 |
| Noncurrent loans to loans | 0.1405% | 2,847 |
| Net loans and leases to total assets | 46.4000% | 3,813 |
| Net loans and leases to deposits | 49.7876% | 3,944 |
| Net loans and leases to core deposits | 55.6611% | 3,867 |
| Total domestic deposits to total assets | 93.2000% | 273 |
| Equity capital to assets | 3.5728% | 4,450 |
| Core capital (leverage) ratio | 11.4469% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $117,071,250 | 3,688 |
| Average earning assets | $109,846,750 | 3,658 |
| Average equity | $5,130,250 | 4,264 |
| Average total loans | $54,605,250 | 3,784 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4899% | 4,356 |
| Cost of funding earning assets | 0.8775% | 3,000 |
| Net interest margin | 2.6124% | 4,099 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.6694% | 1,722 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 0.4136% | 3,981 |
| Return on assets (ROA) | 0.4136% | 3,986 |
| Pretax return on assets | 0.4136% | 4,100 |
| Return on Equity (ROE) | 8.8900% | 3,012 |
| Retained earnings to average equity (ytd only) | 5.0324% | 2,931 |
| Net charge-offs to loans | 0.0037% | 2,174 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,655 |
| Earnings coverage of net charge-offs (x) | 210.0000% | 583 |
| Efficiency ratio | 88.1490% | 419 |
| Assets per employee ($millions) | 4.4862% | 3,960 |
| Cash dividends to net income (ytd only)* | 43.3884% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0706% | 373 |
| Loan loss allowance to noncurrent loans | 495.6710% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 1,785 |
| Noncurrent loans to loans | 0.4177% | 1,680 |
| Net loans and leases to total assets | 46.4300% | 3,774 |
| Net loans and leases to deposits | 50.2338% | 3,910 |
| Net loans and leases to core deposits | 58.3518% | 3,700 |
| Total domestic deposits to total assets | 92.4200% | 337 |
| Equity capital to assets | 4.3716% | 4,464 |
| Core capital (leverage) ratio | 11.6587% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $117,031,000 | 3,700 |
| Average earning assets | $109,861,333 | 3,673 |
| Average equity | $5,444,667 | 4,250 |
| Average total loans | $54,298,667 | 3,800 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3811% | 4,386 |
| Cost of funding earning assets | 0.7437% | 2,915 |
| Net interest margin | 2.6374% | 4,167 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.6103% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4743% | 3,959 |
| Return on assets (ROA) | 0.4743% | 3,912 |
| Pretax return on assets | 0.4743% | 4,024 |
| Return on Equity (ROE) | 9.9000% | 2,814 |
| Retained earnings to average equity (ytd only) | 9.8976% | 1,725 |
| Net charge-offs to loans | 0.0074% | 1,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 635 |
| Efficiency ratio | 84.6239% | 562 |
| Assets per employee ($millions) | 4.3480% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1471% | 347 |
| Loan loss allowance to noncurrent loans | 506.8966% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 1,730 |
| Noncurrent loans to loans | 0.4236% | 1,671 |
| Net loans and leases to total assets | 45.6500% | 3,791 |
| Net loans and leases to deposits | 49.7125% | 3,901 |
| Net loans and leases to core deposits | 55.5842% | 3,762 |
| Total domestic deposits to total assets | 91.8400% | 553 |
| Equity capital to assets | 5.0258% | 4,418 |
| Core capital (leverage) ratio | 11.6912% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $117,226,500 | 3,751 |
| Average earning assets | $110,259,500 | 3,720 |
| Average equity | $5,617,500 | 4,288 |
| Average total loans | $53,798,500 | 3,852 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1141% | 3,966 |
| Cost of funding earning assets | 0.2770% | 3,071 |
| Net interest margin | 2.8371% | 3,813 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.5987% | 1,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7284% | 3,537 |
| Return on assets (ROA) | 0.7352% | 3,462 |
| Pretax return on assets | 0.7352% | 3,784 |
| Return on Equity (ROE) | 11.1300% | 2,431 |
| Retained earnings to average equity (ytd only) | 2.8905% | 3,752 |
| Net charge-offs to loans | -0.0336% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.1080% | 845 |
| Assets per employee ($millions) | 4.3355% | 4,122 |
| Cash dividends to net income (ytd only)* | 74.0351% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2281% | 295 |
| Loan loss allowance to noncurrent loans | 494.5378% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 1,683 |
| Noncurrent loans to loans | 0.4505% | 1,584 |
| Net loans and leases to total assets | 44.1200% | 3,888 |
| Net loans and leases to deposits | 46.2800% | 4,043 |
| Net loans and leases to core deposits | 53.0605% | 3,864 |
| Total domestic deposits to total assets | 95.3400% | 117 |
| Equity capital to assets | 4.5576% | 4,454 |
| Core capital (leverage) ratio | 11.5298% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $116,289,600 | 3,761 |
| Average earning assets | $109,373,200 | 3,727 |
| Average equity | $7,680,400 | 4,130 |
| Average total loans | $50,620,600 | 3,879 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0598% | 3,769 |
| Cost of funding earning assets | 0.2259% | 2,977 |
| Net interest margin | 2.8339% | 3,662 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.5725% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8039% | 3,245 |
| Return on assets (ROA) | 0.8108% | 3,180 |
| Pretax return on assets | 0.8108% | 3,555 |
| Return on Equity (ROE) | 11.3900% | 2,242 |
| Retained earnings to average equity (ytd only) | 5.1934% | 3,029 |
| Net charge-offs to loans | -0.0453% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.1905% | 1,063 |
| Assets per employee ($millions) | 4.2595% | 4,191 |
| Cash dividends to net income (ytd only)* | 54.3909% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2590% | 314 |
| Loan loss allowance to noncurrent loans | 6,544.4444% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 2,858 |
| Noncurrent loans to loans | 0.0345% | 3,646 |
| Net loans and leases to total assets | 44.3200% | 3,855 |
| Net loans and leases to deposits | 48.7126% | 3,925 |
| Net loans and leases to core deposits | 53.4004% | 3,783 |
| Total domestic deposits to total assets | 90.9800% | 1,250 |
| Equity capital to assets | 4.5006% | 4,397 |
| Core capital (leverage) ratio | 11.6406% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $116,097,500 | 3,793 |
| Average earning assets | $109,199,500 | 3,760 |
| Average equity | $8,266,750 | 4,114 |
| Average total loans | $50,069,500 | 3,911 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0017% | 3,555 |
| Cost of funding earning assets | 0.2100% | 2,778 |
| Net interest margin | 2.7917% | 3,470 |
| Noninterest income to average assets | 0.8020% | 1,037 |
| Noninterest expense to average assets | 2.5588% | 1,755 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8690% | 2,699 |
| Return on assets (ROA) | 0.8793% | 2,648 |
| Pretax return on assets | 0.8793% | 3,121 |
| Return on Equity (ROE) | 11.0143% | 1,971 |
| Retained earnings to average equity (ytd only) | 7.9811% | 1,627 |
| Net charge-offs to loans | -0.0729% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6493% | 1,434 |
| Assets per employee ($millions) | 4.1971% | 4,267 |
| Cash dividends to net income (ytd only)* | 27.5391% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2993% | 330 |
| Loan loss allowance to noncurrent loans | 6,544.4444% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 2,922 |
| Noncurrent loans to loans | 0.0351% | 3,688 |
| Net loans and leases to total assets | 44.1693% | 3,817 |
| Net loans and leases to deposits | 46.7764% | 3,995 |
| Net loans and leases to core deposits | 51.3106% | 3,854 |
| Total domestic deposits to total assets | 94.4266% | 206 |
| Equity capital to assets | 5.2584% | 4,424 |
| Core capital (leverage) ratio | 11.7257% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,461,000 | 3,830 |
| Average earning assets | $109,537,333 | 3,811 |
| Average equity | $9,297,000 | 4,076 |
| Average total loans | $49,377,333 | 3,970 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9904% | 3,282 |
| Cost of funding earning assets | 0.2049% | 2,729 |
| Net interest margin | 2.7855% | 3,184 |
| Noninterest income to average assets | 0.4643% | 2,335 |
| Noninterest expense to average assets | 2.4706% | 1,956 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6202% | 3,327 |
| Return on assets (ROA) | 0.6405% | 3,242 |
| Pretax return on assets | 0.6405% | 3,533 |
| Return on Equity (ROE) | 6.8940% | 3,070 |
| Retained earnings to average equity (ytd only) | 6.8940% | 1,927 |
| Net charge-offs to loans | 0.0165% | 1,204 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 704 |
| Efficiency ratio | 79.9342% | 1,160 |
| Assets per employee ($millions) | 4.4834% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3980% | 325 |
| Loan loss allowance to noncurrent loans | 3,050.0000% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 2,919 |
| Noncurrent loans to loans | 0.0786% | 3,449 |
| Net loans and leases to total assets | 40.4670% | 3,980 |
| Net loans and leases to deposits | 44.1008% | 4,059 |
| Net loans and leases to core deposits | 47.9463% | 3,985 |
| Total domestic deposits to total assets | 91.7602% | 671 |
| Equity capital to assets | 8.1574% | 3,443 |
| Core capital (leverage) ratio | 11.2532% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,030,000 | 3,836 |
| Average earning assets | $111,290,000 | 3,804 |
| Average equity | $10,966,000 | 3,956 |
| Average total loans | $48,450,000 | 3,995 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9292% | 4,006 |
| Cost of funding earning assets | 0.2660% | 2,745 |
| Net interest margin | 2.6632% | 3,938 |
| Noninterest income to average assets | 1.9410% | 336 |
| Noninterest expense to average assets | 2.3364% | 2,698 |
| Loan and lease loss provision to assets | 0.4834% | 120 |
| Net operating income to assets | 1.6353% | 730 |
| Return on assets (ROA) | 1.6443% | 753 |
| Pretax return on assets | 1.6443% | 1,296 |
| Return on Equity (ROE) | 15.2657% | 894 |
| Retained earnings to average equity (ytd only) | 4.6698% | 2,938 |
| Net charge-offs to loans | 0.1155% | 777 |
| Credit loss provision to net charge-offs | 1,040.3509% | 518 |
| Earnings coverage of net charge-offs (x) | 45.5965% | 1,357 |
| Efficiency ratio | 52.4428% | 4,083 |
| Assets per employee ($millions) | 4.4256% | 4,172 |
| Cash dividends to net income (ytd only)* | 69.4100% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3884% | 331 |
| Loan loss allowance to noncurrent loans | 361.3707% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 1,787 |
| Noncurrent loans to loans | 0.6609% | 1,513 |
| Net loans and leases to total assets | 39.6758% | 4,110 |
| Net loans and leases to deposits | 44.3655% | 4,157 |
| Net loans and leases to core deposits | 48.0729% | 4,088 |
| Total domestic deposits to total assets | 89.4293% | 1,278 |
| Equity capital to assets | 10.3966% | 2,270 |
| Core capital (leverage) ratio | 10.8559% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,667,000 | 3,772 |
| Average earning assets | $115,800,600 | 3,742 |
| Average equity | $13,212,600 | 3,810 |
| Average total loans | $49,350,800 | 4,014 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9163% | 4,143 |
| Cost of funding earning assets | 0.2779% | 2,824 |
| Net interest margin | 2.6384% | 4,076 |
| Noninterest income to average assets | 2.4147% | 253 |
| Noninterest expense to average assets | 2.2614% | 2,859 |
| Loan and lease loss provision to assets | 0.1004% | 1,198 |
| Net operating income to assets | 2.5443% | 205 |
| Return on assets (ROA) | 2.5540% | 205 |
| Pretax return on assets | 2.5540% | 312 |
| Return on Equity (ROE) | 23.5142% | 229 |
| Retained earnings to average equity (ytd only) | 21.0186% | 103 |
| Net charge-offs to loans | 0.1265% | 626 |
| Credit loss provision to net charge-offs | 197.8723% | 1,215 |
| Earnings coverage of net charge-offs (x) | 52.1064% | 1,220 |
| Efficiency ratio | 46.0929% | 4,497 |
| Assets per employee ($millions) | 4.5623% | 4,080 |
| Cash dividends to net income (ytd only)* | 10.6131% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 1,919 |
| Loan loss allowance to noncurrent loans | 664.3564% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 2,887 |
| Noncurrent loans to loans | 0.2146% | 3,094 |
| Net loans and leases to total assets | 39.1168% | 4,248 |
| Net loans and leases to deposits | 44.8049% | 4,284 |
| Net loans and leases to core deposits | 48.6659% | 4,206 |
| Total domestic deposits to total assets | 87.3047% | 2,210 |
| Equity capital to assets | 12.4820% | 1,178 |
| Core capital (leverage) ratio | 12.1493% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,461,000 | 3,804 |
| Average earning assets | $116,582,000 | 3,769 |
| Average equity | $13,410,000 | 3,846 |
| Average total loans | $49,546,250 | 4,066 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9117% | 4,207 |
| Cost of funding earning assets | 0.3077% | 2,702 |
| Net interest margin | 2.6040% | 4,160 |
| Noninterest income to average assets | 0.4269% | 2,968 |
| Noninterest expense to average assets | 2.2371% | 2,959 |
| Loan and lease loss provision to assets | 0.1311% | 942 |
| Net operating income to assets | 0.5213% | 4,175 |
| Return on assets (ROA) | 0.5341% | 4,200 |
| Pretax return on assets | 0.5341% | 4,330 |
| Return on Equity (ROE) | 5.1604% | 4,101 |
| Retained earnings to average equity (ytd only) | 3.1673% | 3,791 |
| Net charge-offs to loans | 0.1866% | 456 |
| Credit loss provision to net charge-offs | 174.4681% | 1,107 |
| Earnings coverage of net charge-offs (x) | 8.6809% | 1,870 |
| Efficiency ratio | 77.4211% | 958 |
| Assets per employee ($millions) | 5.1181% | 3,540 |
| Cash dividends to net income (ytd only)* | 38.6228% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 2,036 |
| Loan loss allowance to noncurrent loans | 634.6154% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 3,158 |
| Noncurrent loans to loans | 0.2185% | 3,172 |
| Net loans and leases to total assets | 35.2804% | 4,482 |
| Net loans and leases to deposits | 39.1707% | 4,546 |
| Net loans and leases to core deposits | 41.4490% | 4,539 |
| Total domestic deposits to total assets | 90.0685% | 744 |
| Equity capital to assets | 9.6956% | 3,149 |
| Core capital (leverage) ratio | 9.6536% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,075,000 | 3,796 |
| Average earning assets | $118,281,333 | 3,756 |
| Average equity | $12,944,667 | 3,896 |
| Average total loans | $50,371,333 | 4,077 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9560% | 4,176 |
| Cost of funding earning assets | 0.3590% | 2,450 |
| Net interest margin | 2.5970% | 4,161 |
| Noninterest income to average assets | 0.4163% | 3,009 |
| Noninterest expense to average assets | 2.2333% | 2,999 |
| Loan and lease loss provision to assets | 0.0991% | 1,363 |
| Net operating income to assets | 0.5451% | 4,085 |
| Return on assets (ROA) | 0.5682% | 4,075 |
| Pretax return on assets | 0.5682% | 4,246 |
| Return on Equity (ROE) | 5.3062% | 4,025 |
| Retained earnings to average equity (ytd only) | 5.3062% | 3,124 |
| Net charge-offs to loans | 0.2860% | 297 |
| Credit loss provision to net charge-offs | 81.0811% | 1,203 |
| Earnings coverage of net charge-offs (x) | 5.2703% | 1,688 |
| Efficiency ratio | 77.6119% | 984 |
| Assets per employee ($millions) | 4.4438% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,933 |
| Loan loss allowance to noncurrent loans | 528.2051% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 3,067 |
| Noncurrent loans to loans | 0.2272% | 3,288 |
| Net loans and leases to total assets | 42.4035% | 4,207 |
| Net loans and leases to deposits | 47.6131% | 4,276 |
| Net loans and leases to core deposits | 50.4412% | 4,273 |
| Total domestic deposits to total assets | 89.0584% | 1,313 |
| Equity capital to assets | 10.6957% | 2,087 |
| Core capital (leverage) ratio | 10.4388% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,077,000 | 3,844 |
| Average earning assets | $114,748,000 | 3,799 |
| Average equity | $12,966,000 | 3,907 |
| Average total loans | $51,753,000 | 4,058 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1162% | 4,550 |
| Cost of funding earning assets | 0.4976% | 2,968 |
| Net interest margin | 2.6185% | 4,477 |
| Noninterest income to average assets | 0.4557% | 2,845 |
| Noninterest expense to average assets | 2.6619% | 2,352 |
| Loan and lease loss provision to assets | 0.0844% | 3,324 |
| Net operating income to assets | 0.1844% | 4,593 |
| Return on assets (ROA) | 0.2111% | 4,618 |
| Pretax return on assets | 0.2111% | 4,643 |
| Return on Equity (ROE) | 1.9640% | 4,569 |
| Retained earnings to average equity (ytd only) | 0.5852% | 4,345 |
| Net charge-offs to loans | -0.0090% | 4,241 |
| Credit loss provision to net charge-offs | -2,450.0000% | 4,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8289% | 345 |
| Assets per employee ($millions) | 4.5249% | 3,895 |
| Cash dividends to net income (ytd only)* | 70.2041% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 2,936 |
| Loan loss allowance to noncurrent loans | 336.0215% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 2,930 |
| Noncurrent loans to loans | 0.3576% | 2,916 |
| Net loans and leases to total assets | 42.0607% | 4,348 |
| Net loans and leases to deposits | 47.2202% | 4,423 |
| Net loans and leases to core deposits | 49.9694% | 4,422 |
| Total domestic deposits to total assets | 89.0735% | 953 |
| Equity capital to assets | 10.7219% | 2,502 |
| Core capital (leverage) ratio | 10.3950% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,083,200 | 3,796 |
| Average earning assets | $109,717,800 | 3,771 |
| Average equity | $12,474,800 | 3,923 |
| Average total loans | $44,221,000 | 4,218 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1177% | 4,654 |
| Cost of funding earning assets | 0.5360% | 3,015 |
| Net interest margin | 2.5816% | 4,588 |
| Noninterest income to average assets | 0.4632% | 2,772 |
| Noninterest expense to average assets | 2.5884% | 2,565 |
| Loan and lease loss provision to assets | 0.0707% | 3,442 |
| Net operating income to assets | 0.2421% | 4,533 |
| Return on assets (ROA) | 0.2782% | 4,523 |
| Pretax return on assets | 0.2782% | 4,569 |
| Return on Equity (ROE) | 2.5868% | 4,463 |
| Retained earnings to average equity (ytd only) | 1.5369% | 4,072 |
| Net charge-offs to loans | -0.0252% | 4,475 |
| Credit loss provision to net charge-offs | -762.5000% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2098% | 382 |
| Assets per employee ($millions) | 4.1610% | 4,181 |
| Cash dividends to net income (ytd only)* | 40.5858% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,433 |
| Loan loss allowance to noncurrent loans | 119.1147% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 2,104 |
| Noncurrent loans to loans | 1.0428% | 1,431 |
| Net loans and leases to total assets | 39.0062% | 4,593 |
| Net loans and leases to deposits | 43.9153% | 4,663 |
| Net loans and leases to core deposits | 46.7023% | 4,653 |
| Total domestic deposits to total assets | 88.8214% | 853 |
| Equity capital to assets | 10.9060% | 2,474 |
| Core capital (leverage) ratio | 10.2554% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,561,250 | 3,809 |
| Average earning assets | $108,197,500 | 3,788 |
| Average equity | $12,318,750 | 3,948 |
| Average total loans | $42,273,500 | 4,297 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1368% | 4,767 |
| Cost of funding earning assets | 0.5828% | 3,064 |
| Net interest margin | 2.5539% | 4,695 |
| Noninterest income to average assets | 0.5119% | 2,518 |
| Noninterest expense to average assets | 2.6270% | 2,580 |
| Loan and lease loss provision to assets | 0.0427% | 3,749 |
| Net operating income to assets | 0.2488% | 4,509 |
| Return on assets (ROA) | 0.2488% | 4,550 |
| Pretax return on assets | 0.2488% | 4,588 |
| Return on Equity (ROE) | 2.3259% | 4,469 |
| Retained earnings to average equity (ytd only) | 1.2792% | 4,017 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0122% | 388 |
| Assets per employee ($millions) | 4.1775% | 4,125 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 2,697 |
| Loan loss allowance to noncurrent loans | 108.7475% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 2,207 |
| Noncurrent loans to loans | 1.0720% | 1,447 |
| Net loans and leases to total assets | 38.2799% | 4,655 |
| Net loans and leases to deposits | 43.0702% | 4,723 |
| Net loans and leases to core deposits | 45.7857% | 4,716 |
| Total domestic deposits to total assets | 88.8780% | 796 |
| Equity capital to assets | 10.7762% | 2,509 |
| Core capital (leverage) ratio | 10.6045% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,525,667 | 3,826 |
| Average earning assets | $106,032,000 | 3,806 |
| Average equity | $12,038,333 | 3,979 |
| Average total loans | $40,478,000 | 4,344 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3980% | 4,735 |
| Cost of funding earning assets | 0.6264% | 3,301 |
| Net interest margin | 2.7716% | 4,596 |
| Noninterest income to average assets | 0.5175% | 2,458 |
| Noninterest expense to average assets | 2.7575% | 2,553 |
| Loan and lease loss provision to assets | 0.0444% | 3,225 |
| Net operating income to assets | 0.3327% | 4,280 |
| Return on assets (ROA) | 0.3327% | 4,310 |
| Pretax return on assets | 0.3327% | 4,401 |
| Return on Equity (ROE) | 3.1223% | 4,187 |
| Retained earnings to average equity (ytd only) | 3.1223% | 3,030 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9717% | 585 |
| Assets per employee ($millions) | 3.6543% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 1,680 |
| Loan loss allowance to noncurrent loans | 94.6903% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 1,980 |
| Noncurrent loans to loans | 1.4831% | 1,077 |
| Net loans and leases to total assets | 35.4439% | 4,799 |
| Net loans and leases to deposits | 39.5369% | 4,845 |
| Net loans and leases to core deposits | 42.9005% | 4,824 |
| Total domestic deposits to total assets | 89.6477% | 432 |
| Equity capital to assets | 10.1438% | 3,659 |
| Core capital (leverage) ratio | 11.4293% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7992% | 661 |
| Memoranda: | ||
| Average total assets | $108,215,000 | 3,868 |
| Average earning assets | $102,178,500 | 3,850 |
| Average equity | $11,530,000 | 4,062 |
| Average total loans | $37,256,000 | 4,426 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4834% | 4,867 |
| Cost of funding earning assets | 0.6241% | 3,536 |
| Net interest margin | 2.8594% | 4,700 |
| Noninterest income to average assets | 0.6201% | 2,129 |
| Noninterest expense to average assets | 2.7126% | 2,848 |
| Loan and lease loss provision to assets | 0.0367% | 3,276 |
| Net operating income to assets | 0.5734% | 4,238 |
| Return on assets (ROA) | 0.5734% | 4,292 |
| Pretax return on assets | 0.5734% | 4,458 |
| Return on Equity (ROE) | 5.2736% | 4,138 |
| Retained earnings to average equity (ytd only) | 1.3669% | 4,255 |
| Net charge-offs to loans | 0.0655% | 2,157 |
| Credit loss provision to net charge-offs | 153.8462% | 1,657 |
| Earnings coverage of net charge-offs (x) | 25.5769% | 1,730 |
| Efficiency ratio | 81.6400% | 820 |
| Assets per employee ($millions) | 3.6818% | 4,283 |
| Cash dividends to net income (ytd only)* | 74.0800% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 1,407 |
| Loan loss allowance to noncurrent loans | 169.2557% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 2,739 |
| Noncurrent loans to loans | 0.8486% | 1,816 |
| Net loans and leases to total assets | 32.4950% | 4,926 |
| Net loans and leases to deposits | 36.6488% | 4,965 |
| Net loans and leases to core deposits | 39.7766% | 4,949 |
| Total domestic deposits to total assets | 88.6659% | 811 |
| Equity capital to assets | 11.1449% | 2,865 |
| Core capital (leverage) ratio | 11.2232% | 2,317 |
| Tier 1 risk-based capital ratio | 21.1403% | 1,142 |
| Total risk-based capital ratio | 22.0385% | 1,173 |
| Memoranda: | ||
| Average total assets | $109,007,800 | 3,845 |
| Average earning assets | $103,030,200 | 3,817 |
| Average equity | $11,851,400 | 4,018 |
| Average total loans | $39,705,400 | 4,407 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5433% | 4,926 |
| Cost of funding earning assets | 0.6250% | 3,557 |
| Net interest margin | 2.9183% | 4,739 |
| Noninterest income to average assets | 0.6578% | 1,957 |
| Noninterest expense to average assets | 2.7072% | 2,854 |
| Loan and lease loss provision to assets | 0.0307% | 3,287 |
| Net operating income to assets | 0.6762% | 4,087 |
| Return on assets (ROA) | 0.6762% | 4,149 |
| Pretax return on assets | 0.6762% | 4,395 |
| Return on Equity (ROE) | 6.2594% | 3,965 |
| Retained earnings to average equity (ytd only) | 2.5447% | 4,073 |
| Net charge-offs to loans | 0.0197% | 2,716 |
| Credit loss provision to net charge-offs | 416.6667% | 729 |
| Earnings coverage of net charge-offs (x) | 95.9975% | 774 |
| Efficiency ratio | 79.2955% | 981 |
| Assets per employee ($millions) | 3.6970% | 4,278 |
| Cash dividends to net income (ytd only)* | 59.3466% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 1,392 |
| Loan loss allowance to noncurrent loans | 166.2461% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 2,776 |
| Noncurrent loans to loans | 0.8733% | 1,837 |
| Net loans and leases to total assets | 33.3663% | 4,999 |
| Net loans and leases to deposits | 37.8002% | 5,038 |
| Net loans and leases to core deposits | 41.2416% | 5,008 |
| Total domestic deposits to total assets | 88.2701% | 928 |
| Equity capital to assets | 11.4939% | 2,662 |
| Core capital (leverage) ratio | 11.3994% | 2,298 |
| Tier 1 risk-based capital ratio | 20.4957% | 1,287 |
| Total risk-based capital ratio | 21.3687% | 1,317 |
| Memoranda: | ||
| Average total assets | $108,646,250 | 3,889 |
| Average earning assets | $102,613,000 | 3,864 |
| Average equity | $11,736,750 | 4,070 |
| Average total loans | $40,528,000 | 4,451 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5532% | 4,970 |
| Cost of funding earning assets | 0.6177% | 3,563 |
| Net interest margin | 2.9355% | 4,775 |
| Noninterest income to average assets | 0.7294% | 1,601 |
| Noninterest expense to average assets | 2.6869% | 2,950 |
| Loan and lease loss provision to assets | 0.0183% | 3,419 |
| Net operating income to assets | 0.8028% | 3,641 |
| Return on assets (ROA) | 0.8028% | 3,703 |
| Pretax return on assets | 0.8028% | 4,089 |
| Return on Equity (ROE) | 7.5901% | 3,457 |
| Retained earnings to average equity (ytd only) | 3.8644% | 3,314 |
| Net charge-offs to loans | 0.0191% | 2,490 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 640 |
| Efficiency ratio | 76.5935% | 1,323 |
| Assets per employee ($millions) | 3.5320% | 4,462 |
| Cash dividends to net income (ytd only)* | 49.0868% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,268 |
| Loan loss allowance to noncurrent loans | 182.6241% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 2,923 |
| Noncurrent loans to loans | 0.6834% | 2,267 |
| Net loans and leases to total assets | 37.2161% | 4,938 |
| Net loans and leases to deposits | 41.9535% | 4,999 |
| Net loans and leases to core deposits | 46.7043% | 4,936 |
| Total domestic deposits to total assets | 88.7080% | 783 |
| Equity capital to assets | 11.0655% | 2,981 |
| Core capital (leverage) ratio | 11.2714% | 2,356 |
| Tier 1 risk-based capital ratio | 19.9690% | 1,355 |
| Total risk-based capital ratio | 20.8004% | 1,401 |
| Memoranda: | ||
| Average total assets | $109,124,000 | 3,912 |
| Average earning assets | $103,287,330 | 3,883 |
| Average equity | $11,541,330 | 4,107 |
| Average total loans | $41,937,330 | 4,449 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5205% | 5,029 |
| Cost of funding earning assets | 0.6048% | 3,546 |
| Net interest margin | 2.9157% | 4,861 |
| Noninterest income to average assets | 0.9400% | 945 |
| Noninterest expense to average assets | 2.6437% | 3,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0575% | 2,634 |
| Return on assets (ROA) | 1.0575% | 2,677 |
| Pretax return on assets | 1.0575% | 3,273 |
| Return on Equity (ROE) | 10.2364% | 2,264 |
| Retained earnings to average equity (ytd only) | 10.2364% | 980 |
| Net charge-offs to loans | 0.0189% | 2,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 519 |
| Efficiency ratio | 71.4286% | 2,123 |
| Assets per employee ($millions) | 3.5943% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 2,651 |
| Loan loss allowance to noncurrent loans | 82.3052% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7642% | 1,843 |
| Noncurrent loans to loans | 1.4424% | 1,120 |
| Net loans and leases to total assets | 39.1373% | 4,914 |
| Net loans and leases to deposits | 44.0194% | 4,985 |
| Net loans and leases to core deposits | 49.3816% | 4,910 |
| Total domestic deposits to total assets | 88.9092% | 899 |
| Equity capital to assets | 10.8061% | 3,042 |
| Core capital (leverage) ratio | 11.4557% | 2,160 |
| Tier 1 risk-based capital ratio | 19.5867% | 1,425 |
| Total risk-based capital ratio | 20.3853% | 1,491 |
| Memoranda: | ||
| Average total assets | $108,939,500 | 3,951 |
| Average earning assets | $103,166,500 | 3,922 |
| Average equity | $11,254,000 | 4,158 |
| Average total loans | $42,274,000 | 4,486 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 4,983 |
| Cost of funding earning assets | 0.4737% | 3,527 |
| Net interest margin | 2.9573% | 4,842 |
| Noninterest income to average assets | 0.5522% | 2,538 |
| Noninterest expense to average assets | 2.6408% | 3,209 |
| Loan and lease loss provision to assets | 0.0181% | 3,794 |
| Net operating income to assets | 0.6977% | 4,141 |
| Return on assets (ROA) | 0.6977% | 4,144 |
| Pretax return on assets | 0.6977% | 4,421 |
| Return on Equity (ROE) | 7.0743% | 3,800 |
| Retained earnings to average equity (ytd only) | 2.1259% | 4,304 |
| Net charge-offs to loans | 0.1841% | 1,046 |
| Credit loss provision to net charge-offs | 24.6914% | 3,381 |
| Earnings coverage of net charge-offs (x) | 9.7778% | 2,782 |
| Efficiency ratio | 78.6753% | 1,067 |
| Assets per employee ($millions) | 3.7949% | 4,183 |
| Cash dividends to net income (ytd only)* | 69.9482% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 2,489 |
| Loan loss allowance to noncurrent loans | 79.9058% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 1,821 |
| Noncurrent loans to loans | 1.5225% | 1,001 |
| Net loans and leases to total assets | 37.5562% | 5,028 |
| Net loans and leases to deposits | 41.7907% | 5,084 |
| Net loans and leases to core deposits | 47.6630% | 4,992 |
| Total domestic deposits to total assets | 89.8674% | 519 |
| Equity capital to assets | 9.8645% | 3,800 |
| Core capital (leverage) ratio | 11.0234% | 2,504 |
| Tier 1 risk-based capital ratio | 21.7540% | 1,061 |
| Total risk-based capital ratio | 22.6656% | 1,087 |
| Memoranda: | ||
| Average total assets | $110,647,400 | 3,933 |
| Average earning assets | $104,927,800 | 3,897 |
| Average equity | $10,912,800 | 4,168 |
| Average total loans | $44,007,200 | 4,450 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3932% | 5,043 |
| Cost of funding earning assets | 0.4378% | 3,613 |
| Net interest margin | 2.9554% | 4,911 |
| Noninterest income to average assets | 0.5271% | 2,700 |
| Noninterest expense to average assets | 2.6282% | 3,204 |
| Loan and lease loss provision to assets | 0.0241% | 3,535 |
| Net operating income to assets | 0.6775% | 4,296 |
| Return on assets (ROA) | 0.6775% | 4,308 |
| Pretax return on assets | 0.6775% | 4,586 |
| Return on Equity (ROE) | 6.8697% | 3,979 |
| Retained earnings to average equity (ytd only) | 3.6484% | 3,942 |
| Net charge-offs to loans | 0.2215% | 768 |
| Credit loss provision to net charge-offs | 27.0270% | 2,980 |
| Earnings coverage of net charge-offs (x) | 7.8787% | 2,765 |
| Efficiency ratio | 78.9302% | 1,033 |
| Assets per employee ($millions) | 3.7926% | 4,181 |
| Cash dividends to net income (ytd only)* | 46.8914% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 2,931 |
| Loan loss allowance to noncurrent loans | 83.7398% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 1,642 |
| Noncurrent loans to loans | 1.3684% | 1,219 |
| Net loans and leases to total assets | 40.3937% | 5,017 |
| Net loans and leases to deposits | 44.8794% | 5,089 |
| Net loans and leases to core deposits | 51.1861% | 4,987 |
| Total domestic deposits to total assets | 90.0050% | 509 |
| Equity capital to assets | 9.7168% | 3,905 |
| Core capital (leverage) ratio | 10.9611% | 2,620 |
| Tier 1 risk-based capital ratio | 18.3669% | 1,702 |
| Total risk-based capital ratio | 19.1414% | 1,782 |
| Memoranda: | ||
| Average total assets | $110,796,500 | 3,972 |
| Average earning assets | $105,069,250 | 3,936 |
| Average equity | $10,927,000 | 4,207 |
| Average total loans | $44,549,000 | 4,492 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3064% | 5,134 |
| Cost of funding earning assets | 0.3967% | 3,744 |
| Net interest margin | 2.9097% | 5,001 |
| Noninterest income to average assets | 0.5420% | 2,615 |
| Noninterest expense to average assets | 2.6308% | 3,216 |
| Loan and lease loss provision to assets | 0.0360% | 3,194 |
| Net operating income to assets | 0.6357% | 4,394 |
| Return on assets (ROA) | 0.6357% | 4,399 |
| Pretax return on assets | 0.6357% | 4,674 |
| Return on Equity (ROE) | 6.4141% | 4,093 |
| Retained earnings to average equity (ytd only) | 4.0156% | 3,608 |
| Net charge-offs to loans | 0.3422% | 469 |
| Credit loss provision to net charge-offs | 26.3158% | 2,646 |
| Earnings coverage of net charge-offs (x) | 4.9079% | 2,758 |
| Efficiency ratio | 79.6619% | 1,049 |
| Assets per employee ($millions) | 3.8347% | 4,158 |
| Cash dividends to net income (ytd only)* | 37.3938% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 3,280 |
| Loan loss allowance to noncurrent loans | 86.4865% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8435% | 1,770 |
| Noncurrent loans to loans | 1.2691% | 1,349 |
| Net loans and leases to total assets | 41.4861% | 5,003 |
| Net loans and leases to deposits | 46.6076% | 5,072 |
| Net loans and leases to core deposits | 52.3031% | 4,985 |
| Total domestic deposits to total assets | 89.0114% | 931 |
| Equity capital to assets | 9.8124% | 3,812 |
| Core capital (leverage) ratio | 11.1252% | 2,416 |
| Tier 1 risk-based capital ratio | 20.0821% | 1,306 |
| Total risk-based capital ratio | 20.9293% | 1,353 |
| Memoranda: | ||
| Average total assets | $111,067,000 | 4,002 |
| Average earning assets | $105,370,000 | 3,959 |
| Average equity | $11,007,000 | 4,231 |
| Average total loans | $44,418,000 | 4,536 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2688% | 5,174 |
| Cost of funding earning assets | 0.3830% | 3,710 |
| Net interest margin | 2.8858% | 5,056 |
| Noninterest income to average assets | 0.5802% | 2,365 |
| Noninterest expense to average assets | 2.6307% | 3,244 |
| Loan and lease loss provision to assets | 0.0541% | 2,684 |
| Net operating income to assets | 0.6379% | 4,318 |
| Return on assets (ROA) | 0.6379% | 4,332 |
| Pretax return on assets | 0.6379% | 4,597 |
| Return on Equity (ROE) | 6.4046% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.4046% | 2,546 |
| Net charge-offs to loans | 0.4896% | 311 |
| Credit loss provision to net charge-offs | 28.3019% | 2,081 |
| Earnings coverage of net charge-offs (x) | 3.6226% | 2,370 |
| Efficiency ratio | 79.1757% | 1,240 |
| Assets per employee ($millions) | 3.6570% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,442 |
| Loan loss allowance to noncurrent loans | 87.7686% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 1,827 |
| Noncurrent loans to loans | 1.4392% | 1,232 |
| Net loans and leases to total assets | 37.8334% | 5,144 |
| Net loans and leases to deposits | 42.5482% | 5,200 |
| Net loans and leases to core deposits | 47.1504% | 5,118 |
| Total domestic deposits to total assets | 88.9190% | 1,135 |
| Equity capital to assets | 9.9207% | 3,675 |
| Core capital (leverage) ratio | 10.9138% | 2,531 |
| Tier 1 risk-based capital ratio | 18.9237% | 1,569 |
| Total risk-based capital ratio | 19.7546% | 1,655 |
| Memoranda: | ||
| Average total assets | $110,997,500 | 4,049 |
| Average earning assets | $105,483,500 | 3,998 |
| Average equity | $11,054,500 | 4,266 |
| Average total loans | $43,303,500 | 4,603 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2357% | 5,149 |
| Cost of funding earning assets | 0.3777% | 3,438 |
| Net interest margin | 2.8579% | 5,098 |
| Noninterest income to average assets | 0.5270% | 2,840 |
| Noninterest expense to average assets | 2.5734% | 3,532 |
| Loan and lease loss provision to assets | 0.0623% | 2,982 |
| Net operating income to assets | 0.2808% | 4,964 |
| Return on assets (ROA) | 0.2911% | 4,959 |
| Pretax return on assets | 0.6213% | 4,692 |
| Return on Equity (ROE) | 2.7806% | 4,894 |
| Retained earnings to average equity (ytd only) | -2.1088% | 5,291 |
| Net charge-offs to loans | 0.0075% | 3,810 |
| Credit loss provision to net charge-offs | 2,333.3333% | 164 |
| Earnings coverage of net charge-offs (x) | 250.0000% | 335 |
| Efficiency ratio | 79.4013% | 1,172 |
| Assets per employee ($millions) | 3.8719% | 4,159 |
| Cash dividends to net income (ytd only)* | 175.8410% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 2,336 |
| Loan loss allowance to noncurrent loans | 67.8998% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0545% | 1,443 |
| Noncurrent loans to loans | 1.8802% | 835 |
| Net loans and leases to total assets | 39.1860% | 5,165 |
| Net loans and leases to deposits | 44.5308% | 5,231 |
| Net loans and leases to core deposits | 49.4221% | 5,152 |
| Total domestic deposits to total assets | 87.9975% | 1,503 |
| Equity capital to assets | 9.9969% | 3,712 |
| Core capital (leverage) ratio | 10.6194% | 2,717 |
| Tier 1 risk-based capital ratio | 17.8651% | 1,839 |
| Total risk-based capital ratio | 18.7181% | 1,906 |
| Memoranda: | ||
| Average total assets | $112,340,600 | 4,022 |
| Average earning assets | $106,685,400 | 3,968 |
| Average equity | $11,760,000 | 4,175 |
| Average total loans | $40,098,000 | 4,732 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2304% | 5,196 |
| Cost of funding earning assets | 0.3788% | 3,384 |
| Net interest margin | 2.8516% | 5,156 |
| Noninterest income to average assets | 0.5388% | 2,788 |
| Noninterest expense to average assets | 2.5597% | 3,537 |
| Loan and lease loss provision to assets | 0.0831% | 2,428 |
| Net operating income to assets | 0.1698% | 5,380 |
| Return on assets (ROA) | 0.1828% | 5,380 |
| Pretax return on assets | 0.6230% | 4,795 |
| Return on Equity (ROE) | 1.7264% | 5,342 |
| Retained earnings to average equity (ytd only) | -2.7577% | 5,469 |
| Net charge-offs to loans | 0.0205% | 3,080 |
| Credit loss provision to net charge-offs | 1,166.6667% | 311 |
| Earnings coverage of net charge-offs (x) | 96.3313% | 706 |
| Efficiency ratio | 78.8665% | 1,231 |
| Assets per employee ($millions) | 3.8766% | 4,196 |
| Cash dividends to net income (ytd only)* | 259.7380% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3668% | 2,041 |
| Loan loss allowance to noncurrent loans | 116.2551% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 2,282 |
| Noncurrent loans to loans | 1.1757% | 1,634 |
| Net loans and leases to total assets | 36.2678% | 5,334 |
| Net loans and leases to deposits | 40.5613% | 5,407 |
| Net loans and leases to core deposits | 44.9294% | 5,344 |
| Total domestic deposits to total assets | 89.4149% | 692 |
| Equity capital to assets | 10.3343% | 3,555 |
| Core capital (leverage) ratio | 10.4356% | 3,051 |
| Tier 1 risk-based capital ratio | 18.5079% | 1,724 |
| Total risk-based capital ratio | 19.3853% | 1,777 |
| Memoranda: | ||
| Average total assets | $112,354,500 | 4,064 |
| Average earning assets | $106,649,500 | 4,013 |
| Average equity | $11,893,750 | 4,197 |
| Average total loans | $38,980,250 | 4,810 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1782% | 5,267 |
| Cost of funding earning assets | 0.3698% | 3,381 |
| Net interest margin | 2.8084% | 5,230 |
| Noninterest income to average assets | 0.5324% | 2,817 |
| Noninterest expense to average assets | 2.5620% | 3,542 |
| Loan and lease loss provision to assets | 0.1068% | 1,900 |
| Net operating income to assets | -0.1278% | 5,592 |
| Return on assets (ROA) | -0.1175% | 5,593 |
| Pretax return on assets | 0.5430% | 4,923 |
| Return on Equity (ROE) | -1.1013% | 5,595 |
| Retained earnings to average equity (ytd only) | -1.1013% | 5,248 |
| Net charge-offs to loans | 0.0262% | 2,690 |
| Credit loss provision to net charge-offs | 1,200.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 71.2000% | 831 |
| Efficiency ratio | 80.1671% | 1,195 |
| Assets per employee ($millions) | 3.8629% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 2,054 |
| Loan loss allowance to noncurrent loans | 251.5837% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 3,025 |
| Noncurrent loans to loans | 0.5475% | 3,103 |
| Net loans and leases to total assets | 35.5358% | 5,397 |
| Net loans and leases to deposits | 39.9256% | 5,457 |
| Net loans and leases to core deposits | 41.9298% | 5,446 |
| Total domestic deposits to total assets | 89.0051% | 952 |
| Equity capital to assets | 10.7681% | 3,062 |
| Core capital (leverage) ratio | 10.7446% | 2,658 |
| Tier 1 risk-based capital ratio | 19.0972% | 1,578 |
| Total risk-based capital ratio | 19.9747% | 1,625 |
| Memoranda: | ||
| Average total assets | $112,332,000 | 4,091 |
| Average earning assets | $106,537,000 | 4,038 |
| Average equity | $11,985,670 | 4,188 |
| Average total loans | $38,194,330 | 4,866 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1218% | 5,340 |
| Cost of funding earning assets | 0.3673% | 3,344 |
| Net interest margin | 2.7545% | 5,321 |
| Noninterest income to average assets | 0.5654% | 2,579 |
| Noninterest expense to average assets | 2.5603% | 3,623 |
| Loan and lease loss provision to assets | 0.1067% | 1,790 |
| Net operating income to assets | 0.5121% | 4,550 |
| Return on assets (ROA) | 0.5370% | 4,478 |
| Pretax return on assets | 0.5370% | 4,879 |
| Return on Equity (ROE) | 5.0557% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.0557% | 2,859 |
| Net charge-offs to loans | 0.0216% | 2,344 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 613 |
| Efficiency ratio | 80.5369% | 1,315 |
| Assets per employee ($millions) | 3.7951% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 1,992 |
| Loan loss allowance to noncurrent loans | 26,450.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 3,860 |
| Noncurrent loans to loans | 0.0054% | 5,244 |
| Net loans and leases to total assets | 32.2334% | 5,533 |
| Net loans and leases to deposits | 36.1040% | 5,581 |
| Net loans and leases to core deposits | 38.0908% | 5,575 |
| Total domestic deposits to total assets | 89.2793% | 1,015 |
| Equity capital to assets | 10.5477% | 3,134 |
| Core capital (leverage) ratio | 11.0702% | 2,291 |
| Tier 1 risk-based capital ratio | 20.0554% | 1,377 |
| Total risk-based capital ratio | 20.9169% | 1,429 |
| Memoranda: | ||
| Average total assets | $112,485,500 | 4,122 |
| Average earning assets | $106,734,000 | 4,070 |
| Average equity | $11,947,000 | 4,222 |
| Average total loans | $37,109,000 | 4,939 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1503% | 5,356 |
| Cost of funding earning assets | 0.3763% | 3,244 |
| Net interest margin | 2.7740% | 5,328 |
| Noninterest income to average assets | 0.5083% | 3,182 |
| Noninterest expense to average assets | 2.5478% | 3,851 |
| Loan and lease loss provision to assets | 0.1068% | 2,267 |
| Net operating income to assets | 0.4079% | 4,913 |
| Return on assets (ROA) | 0.4745% | 4,804 |
| Pretax return on assets | 0.5413% | 4,944 |
| Return on Equity (ROE) | 4.4662% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.4662% | 2,734 |
| Net charge-offs to loans | 0.2715% | 1,019 |
| Credit loss provision to net charge-offs | 115.3846% | 2,278 |
| Earnings coverage of net charge-offs (x) | 6.1827% | 3,218 |
| Efficiency ratio | 81.6548% | 1,243 |
| Assets per employee ($millions) | 3.7039% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 2,283 |
| Loan loss allowance to noncurrent loans | 25,050.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 3,910 |
| Noncurrent loans to loans | 0.0054% | 5,293 |
| Net loans and leases to total assets | 32.8384% | 5,577 |
| Net loans and leases to deposits | 36.8230% | 5,626 |
| Net loans and leases to core deposits | 38.9029% | 5,621 |
| Total domestic deposits to total assets | 89.1790% | 1,023 |
| Equity capital to assets | 10.6959% | 2,930 |
| Core capital (leverage) ratio | 10.7175% | 2,633 |
| Tier 1 risk-based capital ratio | 19.6907% | 1,439 |
| Total risk-based capital ratio | 20.5337% | 1,486 |
| Memoranda: | ||
| Average total assets | $112,332,200 | 4,120 |
| Average earning assets | $105,768,400 | 4,079 |
| Average equity | $11,934,000 | 4,257 |
| Average total loans | $38,312,600 | 4,936 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1694% | 5,407 |
| Cost of funding earning assets | 0.3752% | 3,277 |
| Net interest margin | 2.7941% | 5,367 |
| Noninterest income to average assets | 0.5019% | 3,235 |
| Noninterest expense to average assets | 2.5273% | 3,900 |
| Loan and lease loss provision to assets | 0.1065% | 2,155 |
| Net operating income to assets | 0.4211% | 4,959 |
| Return on assets (ROA) | 0.5066% | 4,774 |
| Pretax return on assets | 0.5954% | 4,887 |
| Return on Equity (ROE) | 4.7768% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.7768% | 2,976 |
| Net charge-offs to loans | 0.0138% | 3,467 |
| Credit loss provision to net charge-offs | 2,250.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 127.0769% | 542 |
| Efficiency ratio | 80.7794% | 1,325 |
| Assets per employee ($millions) | 3.7357% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 1,817 |
| Loan loss allowance to noncurrent loans | 129.7727% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 3,437 |
| Noncurrent loans to loans | 1.1445% | 1,963 |
| Net loans and leases to total assets | 33.7943% | 5,628 |
| Net loans and leases to deposits | 37.9922% | 5,678 |
| Net loans and leases to core deposits | 39.9102% | 5,682 |
| Total domestic deposits to total assets | 88.9509% | 932 |
| Equity capital to assets | 10.8484% | 3,205 |
| Core capital (leverage) ratio | 10.8429% | 2,633 |
| Tier 1 risk-based capital ratio | 19.8342% | 1,478 |
| Total risk-based capital ratio | 20.7773% | 1,507 |
| Memoranda: | ||
| Average total assets | $112,636,000 | 4,145 |
| Average earning assets | $105,886,250 | 4,104 |
| Average equity | $11,946,250 | 4,298 |
| Average total loans | $38,643,250 | 4,969 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1710% | 5,472 |
| Cost of funding earning assets | 0.3771% | 3,282 |
| Net interest margin | 2.7940% | 5,433 |
| Noninterest income to average assets | 0.5017% | 3,178 |
| Noninterest expense to average assets | 2.5012% | 4,021 |
| Loan and lease loss provision to assets | 0.1064% | 2,083 |
| Net operating income to assets | 0.4389% | 4,909 |
| Return on assets (ROA) | 0.5283% | 4,685 |
| Pretax return on assets | 0.6275% | 4,819 |
| Return on Equity (ROE) | 5.0187% | 4,510 |
| Retained earnings to average equity (ytd only) | 5.0187% | 2,732 |
| Net charge-offs to loans | 0.0155% | 3,216 |
| Credit loss provision to net charge-offs | 2,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 495 |
| Efficiency ratio | 79.9433% | 1,500 |
| Assets per employee ($millions) | 3.7146% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 2,154 |
| Loan loss allowance to noncurrent loans | 87.9870% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 2,992 |
| Noncurrent loans to loans | 1.6265% | 1,313 |
| Net loans and leases to total assets | 33.4984% | 5,694 |
| Net loans and leases to deposits | 37.6440% | 5,753 |
| Net loans and leases to core deposits | 39.4342% | 5,764 |
| Total domestic deposits to total assets | 88.9876% | 924 |
| Equity capital to assets | 10.8096% | 3,272 |
| Core capital (leverage) ratio | 10.5255% | 2,941 |
| Tier 1 risk-based capital ratio | 37.4736% | 274 |
| Total risk-based capital ratio | 38.7301% | 272 |
| Memoranda: | ||
| Average total assets | $112,824,000 | 4,171 |
| Average earning assets | $106,085,000 | 4,131 |
| Average equity | $11,875,670 | 4,337 |
| Average total loans | $38,709,330 | 5,017 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1408% | 5,563 |
| Cost of funding earning assets | 0.3699% | 3,397 |
| Net interest margin | 2.7708% | 5,516 |
| Noninterest income to average assets | 0.4968% | 3,142 |
| Noninterest expense to average assets | 2.4454% | 4,240 |
| Loan and lease loss provision to assets | 0.1057% | 1,935 |
| Net operating income to assets | 0.4856% | 4,688 |
| Return on assets (ROA) | 0.6026% | 4,285 |
| Pretax return on assets | 0.7259% | 4,430 |
| Return on Equity (ROE) | 5.8013% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.8013% | 2,470 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9775% | 1,900 |
| Assets per employee ($millions) | 3.7876% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 2,809 |
| Loan loss allowance to noncurrent loans | 127.4752% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 3,657 |
| Noncurrent loans to loans | 1.0344% | 2,317 |
| Net loans and leases to total assets | 33.9192% | 5,720 |
| Net loans and leases to deposits | 37.9575% | 5,780 |
| Net loans and leases to core deposits | 39.7824% | 5,776 |
| Total domestic deposits to total assets | 89.3610% | 916 |
| Equity capital to assets | 10.4753% | 3,530 |
| Core capital (leverage) ratio | 10.5307% | 2,924 |
| Tier 1 risk-based capital ratio | 43.2514% | 199 |
| Total risk-based capital ratio | 44.5047% | 196 |
| Memoranda: | ||
| Average total assets | $113,517,000 | 4,187 |
| Average earning assets | $108,127,000 | 4,123 |
| Average equity | $11,790,500 | 4,367 |
| Average total loans | $39,128,000 | 5,042 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4784% | 4,981 |
| Cost of funding earning assets | 0.3925% | 3,235 |
| Net interest margin | 3.0859% | 4,937 |
| Noninterest income to average assets | 0.4612% | 3,587 |
| Noninterest expense to average assets | 2.5986% | 3,926 |
| Loan and lease loss provision to assets | 0.1792% | 1,263 |
| Net operating income to assets | 0.5380% | 4,547 |
| Return on assets (ROA) | 0.5716% | 4,502 |
| Pretax return on assets | 0.6433% | 4,690 |
| Return on Equity (ROE) | 5.3400% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.3400% | 2,178 |
| Net charge-offs to loans | 0.2101% | 1,401 |
| Credit loss provision to net charge-offs | 220.9302% | 1,286 |
| Earnings coverage of net charge-offs (x) | 9.6744% | 2,793 |
| Efficiency ratio | 76.8051% | 2,148 |
| Assets per employee ($millions) | 3.6582% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 3,263 |
| Loan loss allowance to noncurrent loans | 163.2997% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 4,540 |
| Noncurrent loans to loans | 0.7577% | 2,907 |
| Net loans and leases to total assets | 34.1378% | 5,770 |
| Net loans and leases to deposits | 38.1085% | 5,835 |
| Net loans and leases to core deposits | 39.9389% | 5,823 |
| Total domestic deposits to total assets | 89.5807% | 807 |
| Equity capital to assets | 10.2976% | 3,624 |
| Core capital (leverage) ratio | 10.4135% | 3,045 |
| Tier 1 risk-based capital ratio | 35.9261% | 312 |
| Total risk-based capital ratio | 37.1803% | 306 |
| Memoranda: | ||
| Average total assets | $106,017,400 | 4,333 |
| Average earning assets | $100,391,000 | 4,276 |
| Average equity | $11,348,400 | 4,417 |
| Average total loans | $40,934,600 | 4,969 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5840% | 4,784 |
| Cost of funding earning assets | 0.3982% | 3,243 |
| Net interest margin | 3.1858% | 4,713 |
| Noninterest income to average assets | 0.4480% | 3,731 |
| Noninterest expense to average assets | 2.6085% | 3,847 |
| Loan and lease loss provision to assets | 0.2048% | 970 |
| Net operating income to assets | 0.5786% | 4,485 |
| Return on assets (ROA) | 0.6144% | 4,419 |
| Pretax return on assets | 0.6848% | 4,734 |
| Return on Equity (ROE) | 5.6806% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.6806% | 2,461 |
| Net charge-offs to loans | 0.0097% | 3,830 |
| Credit loss provision to net charge-offs | 5,333.3333% | 70 |
| Earnings coverage of net charge-offs (x) | 221.3275% | 326 |
| Efficiency ratio | 75.4256% | 2,332 |
| Assets per employee ($millions) | 3.4556% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 2,891 |
| Loan loss allowance to noncurrent loans | 112.5523% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 4,007 |
| Noncurrent loans to loans | 1.1940% | 2,140 |
| Net loans and leases to total assets | 36.8700% | 5,755 |
| Net loans and leases to deposits | 41.3854% | 5,823 |
| Net loans and leases to core deposits | 43.5046% | 5,806 |
| Total domestic deposits to total assets | 89.0894% | 982 |
| Equity capital to assets | 10.7855% | 3,257 |
| Core capital (leverage) ratio | 10.7274% | 2,791 |
| Tier 1 risk-based capital ratio | 42.8236% | 211 |
| Total risk-based capital ratio | 44.0817% | 208 |
| Memoranda: | ||
| Average total assets | $104,170,500 | 4,422 |
| Average earning assets | $98,434,750 | 4,375 |
| Average equity | $11,266,000 | 4,481 |
| Average total loans | $41,368,500 | 5,009 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6404% | 4,606 |
| Cost of funding earning assets | 0.4006% | 3,271 |
| Net interest margin | 3.2398% | 4,530 |
| Noninterest income to average assets | 0.4555% | 3,658 |
| Noninterest expense to average assets | 2.6341% | 3,800 |
| Loan and lease loss provision to assets | 0.2326% | 790 |
| Net operating income to assets | 0.5889% | 4,399 |
| Return on assets (ROA) | 0.6047% | 4,429 |
| Pretax return on assets | 0.6629% | 4,781 |
| Return on Equity (ROE) | 5.5864% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.5864% | 2,480 |
| Net charge-offs to loans | 0.0143% | 3,430 |
| Credit loss provision to net charge-offs | 4,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 151.0000% | 427 |
| Efficiency ratio | 75.0000% | 2,534 |
| Assets per employee ($millions) | 3.3849% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 3,852 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4746% | 4,032 |
| Noncurrent loans to loans | 1.1893% | 2,274 |
| Net loans and leases to total assets | 39.4290% | 5,663 |
| Net loans and leases to deposits | 44.2002% | 5,757 |
| Net loans and leases to core deposits | 46.2465% | 5,755 |
| Total domestic deposits to total assets | 89.2055% | 1,047 |
| Equity capital to assets | 10.6620% | 3,258 |
| Core capital (leverage) ratio | 10.7444% | 2,684 |
| Tier 1 risk-based capital ratio | 40.1509% | 251 |
| Total risk-based capital ratio | 41.4084% | 252 |
| Memoranda: | ||
| Average total assets | $103,185,670 | 4,487 |
| Average earning assets | $97,351,330 | 4,435 |
| Average equity | $11,170,000 | 4,532 |
| Average total loans | $41,813,000 | 5,036 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 4,438 |
| Cost of funding earning assets | 0.3959% | 3,353 |
| Net interest margin | 3.2828% | 4,285 |
| Noninterest income to average assets | 0.4809% | 3,415 |
| Noninterest expense to average assets | 2.6351% | 3,806 |
| Loan and lease loss provision to assets | 0.2346% | 733 |
| Net operating income to assets | 0.6459% | 4,064 |
| Return on assets (ROA) | 0.6529% | 4,155 |
| Pretax return on assets | 0.7311% | 4,497 |
| Return on Equity (ROE) | 5.9851% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.9851% | 2,514 |
| Net charge-offs to loans | 0.0191% | 2,772 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 122.5000% | 417 |
| Efficiency ratio | 73.3406% | 2,938 |
| Assets per employee ($millions) | 3.3296% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 4,803 |
| Loan loss allowance to noncurrent loans | 82.9868% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 3,973 |
| Noncurrent loans to loans | 1.2570% | 2,277 |
| Net loans and leases to total assets | 40.3486% | 5,579 |
| Net loans and leases to deposits | 45.3720% | 5,684 |
| Net loans and leases to core deposits | 47.5140% | 5,687 |
| Total domestic deposits to total assets | 88.9283% | 1,318 |
| Equity capital to assets | 10.9535% | 3,022 |
| Core capital (leverage) ratio | 10.9270% | 2,489 |
| Tier 1 risk-based capital ratio | 15.6319% | 3,090 |
| Total risk-based capital ratio | 16.2451% | 3,365 |
| Memoranda: | ||
| Average total assets | $102,312,000 | 4,548 |
| Average earning assets | $96,989,000 | 4,483 |
| Average equity | $11,161,000 | 4,569 |
| Average total loans | $41,783,500 | 5,077 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8303% | 4,388 |
| Cost of funding earning assets | 0.4172% | 3,509 |
| Net interest margin | 3.4131% | 4,143 |
| Noninterest income to average assets | 0.6361% | 2,636 |
| Noninterest expense to average assets | 2.8351% | 3,356 |
| Loan and lease loss provision to assets | 0.1298% | 2,022 |
| Net operating income to assets | 0.7583% | 3,580 |
| Return on assets (ROA) | 0.7689% | 3,626 |
| Pretax return on assets | 0.8608% | 4,033 |
| Return on Equity (ROE) | 7.4482% | 3,401 |
| Retained earnings to average equity (ytd only) | 1.4510% | 5,116 |
| Net charge-offs to loans | 0.5918% | 673 |
| Credit loss provision to net charge-offs | 53.2787% | 3,419 |
| Earnings coverage of net charge-offs (x) | 4.0164% | 3,761 |
| Efficiency ratio | 74.3388% | 2,780 |
| Assets per employee ($millions) | 3.2712% | 5,313 |
| Cash dividends to net income (ytd only)* | 80.5195% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 5,414 |
| Loan loss allowance to noncurrent loans | 142.1642% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 4,971 |
| Noncurrent loans to loans | 0.6461% | 3,748 |
| Net loans and leases to total assets | 40.5301% | 5,707 |
| Net loans and leases to deposits | 45.5240% | 5,816 |
| Net loans and leases to core deposits | 47.7086% | 5,827 |
| Total domestic deposits to total assets | 89.0302% | 1,220 |
| Equity capital to assets | 10.8633% | 3,045 |
| Core capital (leverage) ratio | 10.8712% | 2,532 |
| Tier 1 risk-based capital ratio | 18.4792% | 1,994 |
| Total risk-based capital ratio | 19.1179% | 2,146 |
| Memoranda: | ||
| Average total assets | $100,137,000 | 4,595 |
| Average earning assets | $93,230,000 | 4,575 |
| Average equity | $10,338,000 | 4,686 |
| Average total loans | $41,227,200 | 5,135 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 4,047 |
| Cost of funding earning assets | 0.4207% | 3,568 |
| Net interest margin | 3.5098% | 3,791 |
| Noninterest income to average assets | 0.5102% | 3,480 |
| Noninterest expense to average assets | 2.8304% | 3,347 |
| Loan and lease loss provision to assets | 0.1202% | 2,068 |
| Net operating income to assets | 0.7551% | 3,643 |
| Return on assets (ROA) | 0.7614% | 3,712 |
| Pretax return on assets | 0.8201% | 4,285 |
| Return on Equity (ROE) | 7.4739% | 3,453 |
| Retained earnings to average equity (ytd only) | -0.6557% | 5,902 |
| Net charge-offs to loans | 0.1943% | 1,912 |
| Credit loss provision to net charge-offs | 150.0000% | 1,580 |
| Earnings coverage of net charge-offs (x) | 11.6498% | 2,397 |
| Efficiency ratio | 75.1952% | 2,634 |
| Assets per employee ($millions) | 3.3947% | 5,056 |
| Cash dividends to net income (ytd only)* | 108.7726% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 3,955 |
| Loan loss allowance to noncurrent loans | 78.3582% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 3,864 |
| Noncurrent loans to loans | 1.5948% | 2,034 |
| Net loans and leases to total assets | 40.7374% | 5,772 |
| Net loans and leases to deposits | 45.4911% | 5,901 |
| Net loans and leases to core deposits | 47.6490% | 5,903 |
| Total domestic deposits to total assets | 89.5503% | 961 |
| Equity capital to assets | 10.3505% | 3,735 |
| Core capital (leverage) ratio | 10.5016% | 3,038 |
| Tier 1 risk-based capital ratio | 17.7776% | 2,286 |
| Total risk-based capital ratio | 18.6399% | 2,398 |
| Memoranda: | ||
| Average total assets | $99,819,750 | 4,646 |
| Average earning assets | $92,537,750 | 4,637 |
| Average equity | $10,168,500 | 4,751 |
| Average total loans | $41,163,750 | 5,185 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9024% | 4,125 |
| Cost of funding earning assets | 0.4249% | 3,602 |
| Net interest margin | 3.4776% | 3,867 |
| Noninterest income to average assets | 0.5305% | 3,262 |
| Noninterest expense to average assets | 2.8826% | 3,230 |
| Loan and lease loss provision to assets | 0.1210% | 2,029 |
| Net operating income to assets | 0.7062% | 3,804 |
| Return on assets (ROA) | 0.7101% | 3,879 |
| Pretax return on assets | 0.7504% | 4,458 |
| Return on Equity (ROE) | 7.0089% | 3,619 |
| Retained earnings to average equity (ytd only) | -5.3363% | 6,256 |
| Net charge-offs to loans | 0.2104% | 1,766 |
| Credit loss provision to net charge-offs | 139.5349% | 1,526 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,288 |
| Efficiency ratio | 76.8693% | 2,475 |
| Assets per employee ($millions) | 3.3921% | 5,071 |
| Cash dividends to net income (ytd only)* | 176.1364% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 4,137 |
| Loan loss allowance to noncurrent loans | 67.7249% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 3,738 |
| Noncurrent loans to loans | 1.8514% | 1,855 |
| Net loans and leases to total assets | 39.6228% | 5,849 |
| Net loans and leases to deposits | 44.0956% | 5,977 |
| Net loans and leases to core deposits | 46.1793% | 5,991 |
| Total domestic deposits to total assets | 89.8567% | 879 |
| Equity capital to assets | 10.0401% | 4,049 |
| Core capital (leverage) ratio | 10.6715% | 2,753 |
| Tier 1 risk-based capital ratio | 17.7441% | 2,330 |
| Total risk-based capital ratio | 18.6007% | 2,435 |
| Memoranda: | ||
| Average total assets | $99,146,330 | 4,706 |
| Average earning assets | $91,788,670 | 4,683 |
| Average equity | $10,044,330 | 4,795 |
| Average total loans | $40,881,000 | 5,236 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 4,174 |
| Cost of funding earning assets | 0.4276% | 3,669 |
| Net interest margin | 3.4521% | 3,891 |
| Noninterest income to average assets | 0.5846% | 2,830 |
| Noninterest expense to average assets | 2.9191% | 3,153 |
| Loan and lease loss provision to assets | 0.1227% | 1,964 |
| Net operating income to assets | 0.6828% | 3,771 |
| Return on assets (ROA) | 0.6828% | 3,847 |
| Pretax return on assets | 0.7441% | 4,335 |
| Return on Equity (ROE) | 6.7082% | 3,631 |
| Retained earnings to average equity (ytd only) | 3.8964% | 3,779 |
| Net charge-offs to loans | -0.5378% | 6,568 |
| Credit loss provision to net charge-offs | -54.5455% | 4,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1058% | 2,631 |
| Assets per employee ($millions) | 3.1562% | 5,585 |
| Cash dividends to net income (ytd only)* | 41.9162% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 3,499 |
| Loan loss allowance to noncurrent loans | 90.4836% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 4,160 |
| Noncurrent loans to loans | 1.5702% | 2,462 |
| Net loans and leases to total assets | 41.1306% | 5,738 |
| Net loans and leases to deposits | 46.0062% | 5,849 |
| Net loans and leases to core deposits | 48.2680% | 5,858 |
| Total domestic deposits to total assets | 89.4023% | 1,421 |
| Equity capital to assets | 10.4096% | 3,343 |
| Core capital (leverage) ratio | 11.0525% | 2,340 |
| Tier 1 risk-based capital ratio | 18.5373% | 2,113 |
| Total risk-based capital ratio | 19.5174% | 2,147 |
| Memoranda: | ||
| Average total assets | $97,838,500 | 4,776 |
| Average earning assets | $90,728,500 | 4,757 |
| Average equity | $9,958,000 | 4,822 |
| Average total loans | $40,905,000 | 5,280 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 4,116 |
| Cost of funding earning assets | 0.4857% | 3,760 |
| Net interest margin | 3.5055% | 3,876 |
| Noninterest income to average assets | 0.5061% | 3,718 |
| Noninterest expense to average assets | 2.8285% | 3,625 |
| Loan and lease loss provision to assets | 0.1207% | 2,806 |
| Net operating income to assets | 0.7625% | 3,486 |
| Return on assets (ROA) | 0.7718% | 3,530 |
| Pretax return on assets | 0.8352% | 4,016 |
| Return on Equity (ROE) | 7.5310% | 3,278 |
| Retained earnings to average equity (ytd only) | 7.4132% | 1,271 |
| Net charge-offs to loans | 0.3262% | 2,047 |
| Credit loss provision to net charge-offs | 88.8889% | 2,795 |
| Earnings coverage of net charge-offs (x) | 6.9630% | 2,940 |
| Efficiency ratio | 74.9400% | 2,961 |
| Assets per employee ($millions) | 3.2612% | 5,362 |
| Cash dividends to net income (ytd only)* | 1.5645% | 4,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 4,620 |
| Loan loss allowance to noncurrent loans | 139.0449% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 5,102 |
| Noncurrent loans to loans | 0.8686% | 3,808 |
| Net loans and leases to total assets | 41.3881% | 5,861 |
| Net loans and leases to deposits | 46.0948% | 6,002 |
| Net loans and leases to core deposits | 48.4969% | 6,005 |
| Total domestic deposits to total assets | 89.7889% | 1,187 |
| Equity capital to assets | 9.9463% | 3,842 |
| Core capital (leverage) ratio | 10.8841% | 2,494 |
| Tier 1 risk-based capital ratio | 18.3134% | 2,141 |
| Total risk-based capital ratio | 19.1466% | 2,238 |
| Memoranda: | ||
| Average total assets | $99,381,800 | 4,754 |
| Average earning assets | $92,653,800 | 4,709 |
| Average equity | $10,184,600 | 4,800 |
| Average total loans | $41,386,800 | 5,289 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 4,253 |
| Cost of funding earning assets | 0.4909% | 3,857 |
| Net interest margin | 3.4762% | 3,989 |
| Noninterest income to average assets | 0.5065% | 3,760 |
| Noninterest expense to average assets | 2.7369% | 3,879 |
| Loan and lease loss provision to assets | 0.1203% | 2,789 |
| Net operating income to assets | 0.8114% | 3,288 |
| Return on assets (ROA) | 0.8139% | 3,403 |
| Pretax return on assets | 0.8981% | 3,895 |
| Return on Equity (ROE) | 7.8848% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.8848% | 1,462 |
| Net charge-offs to loans | 0.4210% | 1,521 |
| Credit loss provision to net charge-offs | 68.7023% | 3,095 |
| Earnings coverage of net charge-offs (x) | 5.8016% | 3,100 |
| Efficiency ratio | 72.9345% | 3,232 |
| Assets per employee ($millions) | 3.0676% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 5,063 |
| Loan loss allowance to noncurrent loans | 143.4251% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 5,441 |
| Noncurrent loans to loans | 0.8097% | 4,215 |
| Net loans and leases to total assets | 39.4290% | 6,074 |
| Net loans and leases to deposits | 43.7054% | 6,218 |
| Net loans and leases to core deposits | 47.2825% | 6,154 |
| Total domestic deposits to total assets | 90.2154% | 887 |
| Equity capital to assets | 9.5387% | 4,502 |
| Core capital (leverage) ratio | 10.5194% | 2,984 |
| Tier 1 risk-based capital ratio | 18.1047% | 2,284 |
| Total risk-based capital ratio | 18.8958% | 2,430 |
| Memoranda: | ||
| Average total assets | $99,768,500 | 4,787 |
| Average earning assets | $93,164,000 | 4,748 |
| Average equity | $10,298,000 | 4,832 |
| Average total loans | $41,486,750 | 5,336 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 4,063 |
| Cost of funding earning assets | 0.4972% | 3,927 |
| Net interest margin | 3.5127% | 3,728 |
| Noninterest income to average assets | 0.5016% | 3,820 |
| Noninterest expense to average assets | 2.7034% | 4,018 |
| Loan and lease loss provision to assets | 0.1209% | 2,811 |
| Net operating income to assets | 0.8947% | 2,827 |
| Return on assets (ROA) | 0.8985% | 2,950 |
| Pretax return on assets | 0.9690% | 3,642 |
| Return on Equity (ROE) | 8.4855% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.4855% | 1,297 |
| Net charge-offs to loans | 0.6212% | 1,066 |
| Credit loss provision to net charge-offs | 46.1538% | 3,289 |
| Earnings coverage of net charge-offs (x) | 4.1462% | 3,206 |
| Efficiency ratio | 71.3450% | 3,587 |
| Assets per employee ($millions) | 3.0054% | 5,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 5,598 |
| Loan loss allowance to noncurrent loans | 70.4473% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 4,654 |
| Noncurrent loans to loans | 1.4995% | 3,055 |
| Net loans and leases to total assets | 41.6494% | 5,926 |
| Net loans and leases to deposits | 46.5935% | 6,069 |
| Net loans and leases to core deposits | 49.4683% | 6,054 |
| Total domestic deposits to total assets | 89.3888% | 1,386 |
| Equity capital to assets | 10.4045% | 3,420 |
| Core capital (leverage) ratio | 10.7650% | 2,604 |
| Tier 1 risk-based capital ratio | 17.7434% | 2,417 |
| Total risk-based capital ratio | 18.4836% | 2,594 |
| Memoranda: | ||
| Average total assets | $99,281,330 | 4,839 |
| Average earning assets | $92,919,000 | 4,780 |
| Average equity | $10,512,000 | 4,829 |
| Average total loans | $41,854,670 | 5,339 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 4,011 |
| Cost of funding earning assets | 0.5145% | 3,932 |
| Net interest margin | 3.5113% | 3,649 |
| Noninterest income to average assets | 0.4832% | 3,900 |
| Noninterest expense to average assets | 2.8993% | 3,345 |
| Loan and lease loss provision to assets | 0.1208% | 2,711 |
| Net operating income to assets | 0.7290% | 3,544 |
| Return on assets (ROA) | 0.7329% | 3,661 |
| Pretax return on assets | 0.7651% | 4,311 |
| Return on Equity (ROE) | 6.8624% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.8624% | 2,224 |
| Net charge-offs to loans | 1.0404% | 588 |
| Credit loss provision to net charge-offs | 27.5229% | 2,923 |
| Earnings coverage of net charge-offs (x) | 2.0092% | 3,160 |
| Efficiency ratio | 76.6773% | 2,815 |
| Assets per employee ($millions) | 3.1285% | 5,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 5,976 |
| Loan loss allowance to noncurrent loans | 94.9339% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 4,743 |
| Noncurrent loans to loans | 1.0557% | 4,028 |
| Net loans and leases to total assets | 42.5258% | 5,807 |
| Net loans and leases to deposits | 47.7677% | 5,939 |
| Net loans and leases to core deposits | 50.8462% | 5,908 |
| Total domestic deposits to total assets | 89.0262% | 1,668 |
| Equity capital to assets | 10.6372% | 3,393 |
| Core capital (leverage) ratio | 10.4163% | 2,889 |
| Tier 1 risk-based capital ratio | 17.4731% | 2,566 |
| Total risk-based capital ratio | 18.2039% | 2,745 |
| Memoranda: | ||
| Average total assets | $99,333,000 | 4,881 |
| Average earning assets | $93,300,000 | 4,817 |
| Average equity | $10,608,500 | 4,859 |
| Average total loans | $41,908,000 | 5,378 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2030% | 4,586 |
| Cost of funding earning assets | 0.6356% | 4,041 |
| Net interest margin | 3.5673% | 4,235 |
| Noninterest income to average assets | 0.4554% | 4,216 |
| Noninterest expense to average assets | 2.7639% | 4,171 |
| Loan and lease loss provision to assets | 0.1180% | 4,149 |
| Net operating income to assets | 0.8492% | 3,052 |
| Return on assets (ROA) | 0.8616% | 3,234 |
| Pretax return on assets | 0.9600% | 3,705 |
| Return on Equity (ROE) | 7.8957% | 3,133 |
| Retained earnings to average equity (ytd only) | -3.3440% | 6,293 |
| Net charge-offs to loans | 0.5518% | 2,085 |
| Credit loss provision to net charge-offs | 50.4202% | 4,692 |
| Earnings coverage of net charge-offs (x) | 4.5462% | 3,332 |
| Efficiency ratio | 72.1994% | 3,378 |
| Assets per employee ($millions) | 3.0798% | 5,880 |
| Cash dividends to net income (ytd only)* | 142.3516% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 4,859 |
| Loan loss allowance to noncurrent loans | 51.8782% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 4,036 |
| Noncurrent loans to loans | 2.4135% | 2,210 |
| Net loans and leases to total assets | 40.8919% | 6,106 |
| Net loans and leases to deposits | 45.9695% | 6,253 |
| Net loans and leases to core deposits | 48.9797% | 6,210 |
| Total domestic deposits to total assets | 88.9544% | 1,592 |
| Equity capital to assets | 10.7229% | 3,251 |
| Core capital (leverage) ratio | 10.1177% | 3,250 |
| Tier 1 risk-based capital ratio | 17.8069% | 2,331 |
| Total risk-based capital ratio | 18.7056% | 2,439 |
| Memoranda: | ||
| Average total assets | $101,668,600 | 4,784 |
| Average earning assets | $96,122,800 | 4,687 |
| Average equity | $11,094,600 | 4,745 |
| Average total loans | $43,133,200 | 5,371 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 4,578 |
| Cost of funding earning assets | 0.6603% | 4,098 |
| Net interest margin | 3.6092% | 4,199 |
| Noninterest income to average assets | 0.4516% | 4,280 |
| Noninterest expense to average assets | 2.7031% | 4,353 |
| Loan and lease loss provision to assets | 0.1171% | 4,089 |
| Net operating income to assets | 0.9220% | 2,870 |
| Return on assets (ROA) | 0.9371% | 3,028 |
| Pretax return on assets | 1.0555% | 3,516 |
| Return on Equity (ROE) | 8.5512% | 3,018 |
| Retained earnings to average equity (ytd only) | 3.9787% | 4,082 |
| Net charge-offs to loans | 0.6893% | 1,599 |
| Credit loss provision to net charge-offs | 39.8230% | 4,623 |
| Earnings coverage of net charge-offs (x) | 3.9291% | 3,453 |
| Efficiency ratio | 70.0506% | 3,676 |
| Assets per employee ($millions) | 3.0554% | 5,953 |
| Cash dividends to net income (ytd only)* | 53.4719% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 5,290 |
| Loan loss allowance to noncurrent loans | 59.1346% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8252% | 4,643 |
| Noncurrent loans to loans | 2.0258% | 2,817 |
| Net loans and leases to total assets | 40.2462% | 6,259 |
| Net loans and leases to deposits | 45.4763% | 6,421 |
| Net loans and leases to core deposits | 48.5418% | 6,380 |
| Total domestic deposits to total assets | 88.4991% | 1,725 |
| Equity capital to assets | 11.1954% | 3,041 |
| Core capital (leverage) ratio | 10.5573% | 2,852 |
| Tier 1 risk-based capital ratio | 18.8174% | 2,065 |
| Total risk-based capital ratio | 19.6723% | 2,162 |
| Memoranda: | ||
| Average total assets | $102,447,000 | 4,815 |
| Average earning assets | $96,714,000 | 4,720 |
| Average equity | $11,226,250 | 4,762 |
| Average total loans | $43,713,500 | 5,402 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3550% | 4,359 |
| Cost of funding earning assets | 0.6829% | 4,159 |
| Net interest margin | 3.6721% | 3,952 |
| Noninterest income to average assets | 0.4486% | 4,304 |
| Noninterest expense to average assets | 2.6586% | 4,575 |
| Loan and lease loss provision to assets | 0.1165% | 4,067 |
| Net operating income to assets | 0.9782% | 2,553 |
| Return on assets (ROA) | 1.0001% | 2,688 |
| Pretax return on assets | 1.1555% | 3,095 |
| Return on Equity (ROE) | 9.1918% | 2,718 |
| Retained earnings to average equity (ytd only) | 5.7649% | 2,845 |
| Net charge-offs to loans | 1.0226% | 1,078 |
| Credit loss provision to net charge-offs | 26.3158% | 4,497 |
| Earnings coverage of net charge-offs (x) | 2.8158% | 3,620 |
| Efficiency ratio | 68.0756% | 4,106 |
| Assets per employee ($millions) | 3.2629% | 5,532 |
| Cash dividends to net income (ytd only)* | 37.2816% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 5,946 |
| Loan loss allowance to noncurrent loans | 72.9430% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 5,053 |
| Noncurrent loans to loans | 1.4432% | 3,748 |
| Net loans and leases to total assets | 41.5010% | 6,229 |
| Net loans and leases to deposits | 46.7383% | 6,389 |
| Net loans and leases to core deposits | 49.8935% | 6,346 |
| Total domestic deposits to total assets | 88.7944% | 1,640 |
| Equity capital to assets | 10.8982% | 3,229 |
| Core capital (leverage) ratio | 10.5384% | 2,764 |
| Tier 1 risk-based capital ratio | 17.9580% | 2,303 |
| Total risk-based capital ratio | 18.7232% | 2,446 |
| Memoranda: | ||
| Average total assets | $102,987,000 | 4,827 |
| Average earning assets | $96,946,000 | 4,736 |
| Average equity | $11,205,670 | 4,771 |
| Average total loans | $44,594,330 | 5,403 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 4,460 |
| Cost of funding earning assets | 0.7012% | 4,276 |
| Net interest margin | 3.6629% | 3,993 |
| Noninterest income to average assets | 0.4615% | 4,213 |
| Noninterest expense to average assets | 2.6830% | 4,488 |
| Loan and lease loss provision to assets | 0.1173% | 3,880 |
| Net operating income to assets | 0.9978% | 2,488 |
| Return on assets (ROA) | 1.0012% | 2,669 |
| Pretax return on assets | 1.1381% | 3,172 |
| Return on Equity (ROE) | 9.2095% | 2,728 |
| Retained earnings to average equity (ytd only) | 9.2095% | 1,512 |
| Net charge-offs to loans | 1.3690% | 738 |
| Credit loss provision to net charge-offs | 19.4805% | 3,784 |
| Earnings coverage of net charge-offs (x) | 2.0779% | 3,320 |
| Efficiency ratio | 68.1909% | 4,135 |
| Assets per employee ($millions) | 3.2100% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,810 |
| Loan loss allowance to noncurrent loans | 74.7041% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 5,059 |
| Noncurrent loans to loans | 1.5107% | 3,850 |
| Net loans and leases to total assets | 43.0715% | 6,096 |
| Net loans and leases to deposits | 48.4271% | 6,268 |
| Net loans and leases to core deposits | 51.6068% | 6,232 |
| Total domestic deposits to total assets | 88.9408% | 1,733 |
| Equity capital to assets | 10.8246% | 3,111 |
| Core capital (leverage) ratio | 10.6984% | 2,547 |
| Tier 1 risk-based capital ratio | 17.7195% | 2,394 |
| Total risk-based capital ratio | 18.5517% | 2,526 |
| Memoranda: | ||
| Average total assets | $102,274,500 | 4,882 |
| Average earning assets | $96,973,500 | 4,775 |
| Average equity | $11,119,000 | 4,797 |
| Average total loans | $44,995,000 | 5,420 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 4,429 |
| Cost of funding earning assets | 0.8585% | 4,406 |
| Net interest margin | 3.8000% | 3,818 |
| Noninterest income to average assets | 0.5645% | 3,396 |
| Noninterest expense to average assets | 2.7676% | 4,483 |
| Loan and lease loss provision to assets | 0.1178% | 5,129 |
| Net operating income to assets | 0.9936% | 2,221 |
| Return on assets (ROA) | 1.0652% | 2,082 |
| Pretax return on assets | 1.2949% | 2,149 |
| Return on Equity (ROE) | 10.1349% | 2,018 |
| Retained earnings to average equity (ytd only) | 2.7742% | 4,259 |
| Net charge-offs to loans | 0.0561% | 5,747 |
| Credit loss provision to net charge-offs | 461.5385% | 488 |
| Earnings coverage of net charge-offs (x) | 51.9231% | 540 |
| Efficiency ratio | 67.6181% | 4,437 |
| Assets per employee ($millions) | 3.0857% | 5,923 |
| Cash dividends to net income (ytd only)* | 72.6267% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 4,511 |
| Loan loss allowance to noncurrent loans | 53.5775% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 1.2393% | 4,160 |
| Noncurrent loans to loans | 2.5949% | 2,522 |
| Net loans and leases to total assets | 43.8117% | 6,226 |
| Net loans and leases to deposits | 49.4299% | 6,406 |
| Net loans and leases to core deposits | 52.7122% | 6,388 |
| Total domestic deposits to total assets | 88.6339% | 1,764 |
| Equity capital to assets | 10.9193% | 3,056 |
| Core capital (leverage) ratio | 10.2602% | 3,014 |
| Tier 1 risk-based capital ratio | 17.2040% | 2,508 |
| Total risk-based capital ratio | 18.2350% | 2,570 |
| Memoranda: | ||
| Average total assets | $101,858,000 | 4,848 |
| Average earning assets | $94,578,600 | 4,797 |
| Average equity | $10,705,600 | 4,854 |
| Average total loans | $46,333,600 | 5,412 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8671% | 3,697 |
| Cost of funding earning assets | 0.8825% | 4,530 |
| Net interest margin | 3.9846% | 2,978 |
| Noninterest income to average assets | 0.4633% | 4,189 |
| Noninterest expense to average assets | 2.7238% | 4,639 |
| Loan and lease loss provision to assets | 0.1178% | 4,963 |
| Net operating income to assets | 1.0647% | 2,088 |
| Return on assets (ROA) | 1.1571% | 1,905 |
| Pretax return on assets | 1.4162% | 1,896 |
| Return on Equity (ROE) | 11.1169% | 1,824 |
| Retained earnings to average equity (ytd only) | 5.5333% | 2,841 |
| Net charge-offs to loans | 0.0172% | 5,914 |
| Credit loss provision to net charge-offs | 1,500.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 180.9950% | 213 |
| Efficiency ratio | 65.7089% | 4,771 |
| Assets per employee ($millions) | 2.9380% | 6,247 |
| Cash dividends to net income (ytd only)* | 50.2265% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 4,809 |
| Loan loss allowance to noncurrent loans | 101.4778% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 5,594 |
| Noncurrent loans to loans | 1.3229% | 4,328 |
| Net loans and leases to total assets | 44.1676% | 6,320 |
| Net loans and leases to deposits | 49.7901% | 6,512 |
| Net loans and leases to core deposits | 52.8990% | 6,515 |
| Total domestic deposits to total assets | 88.7077% | 1,615 |
| Equity capital to assets | 10.8917% | 3,246 |
| Core capital (leverage) ratio | 10.6666% | 2,696 |
| Tier 1 risk-based capital ratio | 17.4070% | 2,480 |
| Total risk-based capital ratio | 18.4182% | 2,541 |
| Memoranda: | ||
| Average total assets | $101,865,250 | 4,874 |
| Average earning assets | $94,126,250 | 4,846 |
| Average equity | $10,602,250 | 4,893 |
| Average total loans | $46,606,500 | 5,449 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 3,689 |
| Cost of funding earning assets | 0.9028% | 4,641 |
| Net interest margin | 3.9822% | 2,929 |
| Noninterest income to average assets | 0.4589% | 4,208 |
| Noninterest expense to average assets | 2.7279% | 4,715 |
| Loan and lease loss provision to assets | 0.1182% | 4,796 |
| Net operating income to assets | 1.0767% | 1,949 |
| Return on assets (ROA) | 1.1660% | 1,752 |
| Pretax return on assets | 1.4417% | 1,690 |
| Return on Equity (ROE) | 11.3813% | 1,676 |
| Retained earnings to average equity (ytd only) | 6.7096% | 2,013 |
| Net charge-offs to loans | 0.0342% | 5,376 |
| Credit loss provision to net charge-offs | 750.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 389 |
| Efficiency ratio | 65.2994% | 5,004 |
| Assets per employee ($millions) | 2.7833% | 6,501 |
| Cash dividends to net income (ytd only)* | 41.0473% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 5,263 |
| Loan loss allowance to noncurrent loans | 105.7658% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.9062% | 5,058 |
| Noncurrent loans to loans | 1.1900% | 4,667 |
| Net loans and leases to total assets | 45.9595% | 6,272 |
| Net loans and leases to deposits | 51.7788% | 6,488 |
| Net loans and leases to core deposits | 55.4418% | 6,458 |
| Total domestic deposits to total assets | 88.7611% | 1,690 |
| Equity capital to assets | 10.8626% | 3,111 |
| Core capital (leverage) ratio | 10.4254% | 2,794 |
| Tier 1 risk-based capital ratio | 17.2451% | 2,429 |
| Total risk-based capital ratio | 18.2047% | 2,515 |
| Memoranda: | ||
| Average total assets | $101,543,330 | 4,914 |
| Average earning assets | $94,821,000 | 4,854 |
| Average equity | $10,403,000 | 4,951 |
| Average total loans | $46,796,670 | 5,484 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8807% | 3,689 |
| Cost of funding earning assets | 0.9162% | 4,805 |
| Net interest margin | 3.9645% | 2,851 |
| Noninterest income to average assets | 0.4852% | 4,007 |
| Noninterest expense to average assets | 2.5828% | 5,286 |
| Loan and lease loss provision to assets | 0.1174% | 4,538 |
| Net operating income to assets | 1.1855% | 1,560 |
| Return on assets (ROA) | 1.2679% | 1,399 |
| Pretax return on assets | 1.6162% | 1,152 |
| Return on Equity (ROE) | 12.7528% | 1,260 |
| Retained earnings to average equity (ytd only) | 12.7528% | 626 |
| Net charge-offs to loans | 0.0085% | 4,989 |
| Credit loss provision to net charge-offs | 3,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 66 |
| Efficiency ratio | 61.3383% | 5,790 |
| Assets per employee ($millions) | 2.8436% | 6,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 5,563 |
| Loan loss allowance to noncurrent loans | 68.9951% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 5,108 |
| Noncurrent loans to loans | 1.7593% | 3,875 |
| Net loans and leases to total assets | 44.7591% | 6,400 |
| Net loans and leases to deposits | 50.2434% | 6,610 |
| Net loans and leases to core deposits | 54.1743% | 6,539 |
| Total domestic deposits to total assets | 89.0845% | 1,724 |
| Equity capital to assets | 10.2718% | 3,441 |
| Core capital (leverage) ratio | 10.4036% | 2,699 |
| Tier 1 risk-based capital ratio | 17.2862% | 2,378 |
| Total risk-based capital ratio | 18.2111% | 2,467 |
| Memoranda: | ||
| Average total assets | $102,216,500 | 4,941 |
| Average earning assets | $96,052,000 | 4,852 |
| Average equity | $10,162,500 | 4,998 |
| Average total loans | $46,876,500 | 5,527 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9347% | 4,859 |
| Cost of funding earning assets | 1.0911% | 5,182 |
| Net interest margin | 3.8437% | 3,763 |
| Noninterest income to average assets | 0.5750% | 3,630 |
| Noninterest expense to average assets | 2.7978% | 4,618 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0294% | 1,937 |
| Return on assets (ROA) | 1.0315% | 2,038 |
| Pretax return on assets | 1.3969% | 1,674 |
| Return on Equity (ROE) | 10.2486% | 1,835 |
| Retained earnings to average equity (ytd only) | 2.9588% | 3,787 |
| Net charge-offs to loans | 0.5546% | 3,400 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 5.4731% | 2,616 |
| Efficiency ratio | 66.7446% | 4,811 |
| Assets per employee ($millions) | 2.9161% | 6,281 |
| Cash dividends to net income (ytd only)* | 71.1301% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 5,832 |
| Loan loss allowance to noncurrent loans | 77.4240% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 5,648 |
| Noncurrent loans to loans | 1.4587% | 4,295 |
| Net loans and leases to total assets | 45.8884% | 6,565 |
| Net loans and leases to deposits | 51.0842% | 6,801 |
| Net loans and leases to core deposits | 54.7444% | 6,769 |
| Total domestic deposits to total assets | 89.8290% | 1,197 |
| Equity capital to assets | 9.6115% | 4,260 |
| Core capital (leverage) ratio | 10.0826% | 2,988 |
| Tier 1 risk-based capital ratio | 16.5584% | 2,502 |
| Total risk-based capital ratio | 17.4270% | 2,625 |
| Memoranda: | ||
| Average total assets | $102,081,000 | 4,925 |
| Average earning assets | $96,054,200 | 4,825 |
| Average equity | $10,274,600 | 5,050 |
| Average total loans | $46,881,600 | 5,601 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9679% | 4,960 |
| Cost of funding earning assets | 1.1277% | 5,266 |
| Net interest margin | 3.8401% | 3,797 |
| Noninterest income to average assets | 0.5838% | 3,551 |
| Noninterest expense to average assets | 2.8159% | 4,414 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0367% | 2,116 |
| Return on assets (ROA) | 1.0396% | 2,208 |
| Pretax return on assets | 1.3831% | 1,932 |
| Return on Equity (ROE) | 10.2140% | 2,043 |
| Retained earnings to average equity (ytd only) | 5.2224% | 2,827 |
| Net charge-offs to loans | 0.3308% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 9.1036% | 2,063 |
| Efficiency ratio | 67.1233% | 4,638 |
| Assets per employee ($millions) | 2.9177% | 6,331 |
| Cash dividends to net income (ytd only)* | 48.8689% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 4,321 |
| Loan loss allowance to noncurrent loans | 144.5629% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 6,276 |
| Noncurrent loans to loans | 0.9873% | 5,266 |
| Net loans and leases to total assets | 45.8548% | 6,709 |
| Net loans and leases to deposits | 51.5642% | 6,907 |
| Net loans and leases to core deposits | 55.1595% | 6,905 |
| Total domestic deposits to total assets | 88.9275% | 1,428 |
| Equity capital to assets | 10.6328% | 3,370 |
| Core capital (leverage) ratio | 10.1701% | 3,073 |
| Tier 1 risk-based capital ratio | 17.0889% | 2,309 |
| Total risk-based capital ratio | 18.2138% | 2,314 |
| Memoranda: | ||
| Average total assets | $102,085,000 | 4,987 |
| Average earning assets | $96,001,250 | 4,891 |
| Average equity | $10,390,750 | 5,089 |
| Average total loans | $46,759,250 | 5,686 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0167% | 4,868 |
| Cost of funding earning assets | 1.1630% | 5,328 |
| Net interest margin | 3.8537% | 3,662 |
| Noninterest income to average assets | 0.4859% | 4,228 |
| Noninterest expense to average assets | 2.7882% | 4,543 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0143% | 2,144 |
| Return on assets (ROA) | 1.0189% | 2,195 |
| Pretax return on assets | 1.3265% | 2,014 |
| Return on Equity (ROE) | 10.1612% | 2,042 |
| Retained earnings to average equity (ytd only) | 5.3933% | 2,680 |
| Net charge-offs to loans | 0.3612% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 8.0238% | 2,202 |
| Efficiency ratio | 67.8588% | 4,610 |
| Assets per employee ($millions) | 2.8244% | 6,520 |
| Cash dividends to net income (ytd only)* | 46.9231% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 3,778 |
| Loan loss allowance to noncurrent loans | 168.0851% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 6,407 |
| Noncurrent loans to loans | 0.9093% | 5,460 |
| Net loans and leases to total assets | 45.0521% | 6,845 |
| Net loans and leases to deposits | 50.4016% | 7,051 |
| Net loans and leases to core deposits | 53.7866% | 7,051 |
| Total domestic deposits to total assets | 89.3863% | 1,234 |
| Equity capital to assets | 10.2351% | 3,725 |
| Core capital (leverage) ratio | 10.1001% | 3,065 |
| Tier 1 risk-based capital ratio | 17.2962% | 2,170 |
| Total risk-based capital ratio | 18.5054% | 2,144 |
| Memoranda: | ||
| Average total assets | $102,074,000 | 5,017 |
| Average earning assets | $95,958,670 | 4,926 |
| Average equity | $10,235,000 | 5,135 |
| Average total loans | $46,511,000 | 5,738 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0090% | 4,983 |
| Cost of funding earning assets | 1.2137% | 5,324 |
| Net interest margin | 3.7953% | 3,818 |
| Noninterest income to average assets | 0.4850% | 4,159 |
| Noninterest expense to average assets | 2.7848% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9485% | 2,363 |
| Return on assets (ROA) | 0.9543% | 2,413 |
| Pretax return on assets | 1.2672% | 2,144 |
| Return on Equity (ROE) | 9.6167% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.6167% | 1,231 |
| Net charge-offs to loans | 0.7225% | 2,056 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.8333% | 2,769 |
| Efficiency ratio | 68.8588% | 4,538 |
| Assets per employee ($millions) | 2.8088% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 3,959 |
| Loan loss allowance to noncurrent loans | 231.5961% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 6,609 |
| Noncurrent loans to loans | 0.6431% | 6,035 |
| Net loans and leases to total assets | 46.5080% | 6,794 |
| Net loans and leases to deposits | 51.9974% | 7,040 |
| Net loans and leases to core deposits | 55.5002% | 7,016 |
| Total domestic deposits to total assets | 89.4428% | 1,272 |
| Equity capital to assets | 10.2180% | 3,581 |
| Core capital (leverage) ratio | 10.0641% | 3,082 |
| Tier 1 risk-based capital ratio | 17.0791% | 2,241 |
| Total risk-based capital ratio | 18.2768% | 2,210 |
| Memoranda: | ||
| Average total assets | $102,271,000 | 5,083 |
| Average earning assets | $95,907,500 | 4,990 |
| Average equity | $10,149,000 | 5,198 |
| Average total loans | $46,506,500 | 5,818 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1412% | 5,915 |
| Cost of funding earning assets | 1.5823% | 5,115 |
| Net interest margin | 3.5589% | 4,699 |
| Noninterest income to average assets | 0.5141% | 4,296 |
| Noninterest expense to average assets | 2.8797% | 4,609 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7175% | 2,867 |
| Return on assets (ROA) | 0.7308% | 2,889 |
| Pretax return on assets | 0.9770% | 2,667 |
| Return on Equity (ROE) | 7.4756% | 2,589 |
| Retained earnings to average equity (ytd only) | 2.0452% | 3,674 |
| Net charge-offs to loans | -0.3188% | 7,931 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0128% | 3,710 |
| Assets per employee ($millions) | 2.8729% | 6,508 |
| Cash dividends to net income (ytd only)* | 72.6415% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 2,693 |
| Loan loss allowance to noncurrent loans | 417.8947% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 6,902 |
| Noncurrent loans to loans | 0.4197% | 6,433 |
| Net loans and leases to total assets | 43.0076% | 7,183 |
| Net loans and leases to deposits | 48.1011% | 7,350 |
| Net loans and leases to core deposits | 64.3598% | 7,069 |
| Total domestic deposits to total assets | 89.4108% | 1,262 |
| Equity capital to assets | 9.6359% | 4,233 |
| Core capital (leverage) ratio | 9.5826% | 3,623 |
| Tier 1 risk-based capital ratio | 17.1143% | 2,126 |
| Total risk-based capital ratio | 18.3666% | 2,079 |
| Memoranda: | ||
| Average total assets | $101,537,800 | 5,051 |
| Average earning assets | $94,860,600 | 4,980 |
| Average equity | $9,925,600 | 5,313 |
| Average total loans | $47,371,000 | 5,788 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 5,853 |
| Cost of funding earning assets | 1.6372% | 5,220 |
| Net interest margin | 3.5680% | 4,601 |
| Noninterest income to average assets | 0.5000% | 4,478 |
| Noninterest expense to average assets | 2.8601% | 4,618 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7229% | 3,127 |
| Return on assets (ROA) | 0.7414% | 3,115 |
| Pretax return on assets | 1.0000% | 2,902 |
| Return on Equity (ROE) | 7.5570% | 2,840 |
| Retained earnings to average equity (ytd only) | 3.6575% | 3,242 |
| Net charge-offs to loans | -0.4955% | 8,023 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5786% | 3,767 |
| Assets per employee ($millions) | 2.9007% | 6,401 |
| Cash dividends to net income (ytd only)* | 51.6021% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8060% | 2,261 |
| Loan loss allowance to noncurrent loans | 288.4211% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 6,698 |
| Noncurrent loans to loans | 0.6262% | 6,047 |
| Net loans and leases to total assets | 42.7991% | 7,320 |
| Net loans and leases to deposits | 47.8584% | 7,500 |
| Net loans and leases to core deposits | 65.6613% | 7,171 |
| Total domestic deposits to total assets | 89.4288% | 1,007 |
| Equity capital to assets | 9.6280% | 4,587 |
| Core capital (leverage) ratio | 9.6729% | 3,686 |
| Tier 1 risk-based capital ratio | 17.5759% | 2,104 |
| Total risk-based capital ratio | 18.8267% | 2,063 |
| Memoranda: | ||
| Average total assets | $101,065,750 | 5,096 |
| Average earning assets | $94,465,750 | 5,025 |
| Average equity | $9,915,500 | 5,357 |
| Average total loans | $47,895,000 | 5,806 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3758% | 5,272 |
| Cost of funding earning assets | 1.6939% | 5,299 |
| Net interest margin | 3.6819% | 4,030 |
| Noninterest income to average assets | 0.5003% | 4,440 |
| Noninterest expense to average assets | 2.9216% | 4,425 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7518% | 3,037 |
| Return on assets (ROA) | 0.7784% | 3,039 |
| Pretax return on assets | 1.0466% | 2,820 |
| Return on Equity (ROE) | 7.8830% | 2,822 |
| Retained earnings to average equity (ytd only) | 4.6204% | 2,723 |
| Net charge-offs to loans | -0.7394% | 8,118 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3003% | 3,992 |
| Assets per employee ($millions) | 2.7806% | 6,676 |
| Cash dividends to net income (ytd only)* | 41.3882% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7308% | 2,244 |
| Loan loss allowance to noncurrent loans | 643.7500% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 7,118 |
| Noncurrent loans to loans | 0.2689% | 6,855 |
| Net loans and leases to total assets | 46.7363% | 7,143 |
| Net loans and leases to deposits | 52.5882% | 7,352 |
| Net loans and leases to core deposits | 72.3848% | 6,876 |
| Total domestic deposits to total assets | 88.8721% | 1,332 |
| Equity capital to assets | 9.8012% | 4,214 |
| Core capital (leverage) ratio | 9.9520% | 3,342 |
| Tier 1 risk-based capital ratio | 17.2973% | 2,212 |
| Total risk-based capital ratio | 18.5371% | 2,153 |
| Memoranda: | ||
| Average total assets | $99,946,000 | 5,163 |
| Average earning assets | $93,157,670 | 5,091 |
| Average equity | $9,869,330 | 5,399 |
| Average total loans | $48,688,330 | 5,820 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5905% | 4,417 |
| Cost of funding earning assets | 1.7758% | 5,237 |
| Net interest margin | 3.8146% | 3,387 |
| Noninterest income to average assets | 0.5167% | 4,165 |
| Noninterest expense to average assets | 2.9198% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8414% | 2,949 |
| Return on assets (ROA) | 0.8651% | 3,003 |
| Pretax return on assets | 1.1735% | 2,709 |
| Return on Equity (ROE) | 8.7286% | 2,833 |
| Retained earnings to average equity (ytd only) | 8.7286% | 1,559 |
| Net charge-offs to loans | -2.3482% | 8,180 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8935% | 4,209 |
| Assets per employee ($millions) | 2.7634% | 6,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 1,582 |
| Loan loss allowance to noncurrent loans | 496.8085% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 5,448 |
| Noncurrent loans to loans | 0.3861% | 6,454 |
| Net loans and leases to total assets | 48.0011% | 7,022 |
| Net loans and leases to deposits | 53.9741% | 7,287 |
| Net loans and leases to core deposits | 72.3033% | 6,901 |
| Total domestic deposits to total assets | 88.9336% | 1,258 |
| Equity capital to assets | 10.0672% | 3,924 |
| Core capital (leverage) ratio | 10.0921% | 3,298 |
| Tier 1 risk-based capital ratio | 17.1997% | 2,273 |
| Total risk-based capital ratio | 18.4549% | 2,212 |
| Memoranda: | ||
| Average total assets | $99,869,000 | 5,187 |
| Average earning assets | $92,801,000 | 5,122 |
| Average equity | $9,898,500 | 5,413 |
| Average total loans | $49,229,000 | 5,831 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4626% | 3,149 |
| Cost of funding earning assets | 2.4677% | 4,380 |
| Net interest margin | 3.9950% | 3,138 |
| Noninterest income to average assets | 0.5682% | 4,095 |
| Noninterest expense to average assets | 2.8004% | 4,812 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0612% | 2,306 |
| Return on assets (ROA) | 1.0890% | 2,106 |
| Pretax return on assets | 1.5220% | 1,617 |
| Return on Equity (ROE) | 10.3531% | 2,139 |
| Retained earnings to average equity (ytd only) | -12.6038% | 7,297 |
| Net charge-offs to loans | 0.7856% | 1,584 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.8471% | 4,207 |
| Efficiency ratio | 65.3733% | 5,242 |
| Assets per employee ($millions) | 2.7849% | 6,593 |
| Cash dividends to net income (ytd only)* | 221.7391% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 3,826 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 4,704 |
| Noncurrent loans to loans | 0.5545% | 5,702 |
| Net loans and leases to total assets | 49.0021% | 7,101 |
| Net loans and leases to deposits | 54.9727% | 7,383 |
| Net loans and leases to core deposits | 75.9613% | 6,860 |
| Total domestic deposits to total assets | 89.1389% | 988 |
| Equity capital to assets | 9.7569% | 4,357 |
| Core capital (leverage) ratio | 9.7579% | 3,704 |
| Tier 1 risk-based capital ratio | 16.3277% | 2,549 |
| Total risk-based capital ratio | 17.4128% | 2,537 |
| Memoranda: | ||
| Average total assets | $103,485,000 | 4,950 |
| Average earning assets | $96,245,400 | 4,912 |
| Average equity | $10,885,600 | 5,157 |
| Average total loans | $50,787,200 | 5,670 |