Home > First State Bank Shannon-Polo > Performance and Condition Ratios
First State Bank Shannon-Polo, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 3,984 |
| Cost of funding earning assets | 1.2656% | 2,616 |
| Net interest margin | 2.7224% | 3,787 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.4226% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8704% | 2,633 |
| Return on assets (ROA) | 0.8704% | 2,606 |
| Pretax return on assets | 0.9304% | 2,872 |
| Return on Equity (ROE) | 18.7400% | 732 |
| Retained earnings to average equity (ytd only) | 10.0933% | 998 |
| Net charge-offs to loans | 0.0827% | 1,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 22.1034% | 1,822 |
| Efficiency ratio | 72.2511% | 1,638 |
| Assets per employee ($millions) | 5.5821% | 3,175 |
| Cash dividends to net income (ytd only)* | 46.1367% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 1,111 |
| Loan loss allowance to noncurrent loans | 482.5301% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 2,505 |
| Noncurrent loans to loans | 0.3066% | 2,086 |
| Net loans and leases to total assets | 49.0000% | 3,659 |
| Net loans and leases to deposits | 53.2962% | 3,822 |
| Net loans and leases to core deposits | 59.7712% | 3,771 |
| Total domestic deposits to total assets | 91.9300% | 317 |
| Equity capital to assets | 5.0436% | 4,404 |
| Core capital (leverage) ratio | 8.2560% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1413% | 1,822 |
| Memoranda: | ||
| Average total assets | $206,678,400 | 2,942 |
| Average earning assets | $195,087,200 | 2,911 |
| Average equity | $9,600,400 | 3,765 |
| Average total loans | $105,166,600 | 3,121 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9179% | 3,974 |
| Cost of funding earning assets | 1.1653% | 2,540 |
| Net interest margin | 2.7526% | 3,802 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.4381% | 2,413 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8997% | 2,678 |
| Return on assets (ROA) | 0.8997% | 2,665 |
| Pretax return on assets | 0.9507% | 2,973 |
| Return on Equity (ROE) | 19.8200% | 741 |
| Retained earnings to average equity (ytd only) | 10.8905% | 1,175 |
| Net charge-offs to loans | 0.0485% | 1,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 38.2632% | 1,471 |
| Efficiency ratio | 71.9467% | 1,575 |
| Assets per employee ($millions) | 5.3062% | 3,346 |
| Cash dividends to net income (ytd only)* | 45.0581% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 946 |
| Loan loss allowance to noncurrent loans | 230.2650% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 1,647 |
| Noncurrent loans to loans | 0.6814% | 1,215 |
| Net loans and leases to total assets | 50.0500% | 3,613 |
| Net loans and leases to deposits | 53.9206% | 3,788 |
| Net loans and leases to core deposits | 61.2943% | 3,642 |
| Total domestic deposits to total assets | 92.8200% | 326 |
| Equity capital to assets | 4.1185% | 4,393 |
| Core capital (leverage) ratio | 8.2195% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7058% | 2,002 |
| Memoranda: | ||
| Average total assets | $203,922,250 | 2,967 |
| Average earning assets | $192,103,750 | 2,939 |
| Average equity | $9,255,500 | 3,794 |
| Average total loans | $104,391,000 | 3,132 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 4,065 |
| Cost of funding earning assets | 1.0473% | 2,461 |
| Net interest margin | 2.7140% | 3,954 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.4661% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8260% | 2,998 |
| Return on assets (ROA) | 0.8260% | 3,009 |
| Pretax return on assets | 0.8762% | 3,224 |
| Return on Equity (ROE) | 17.6400% | 994 |
| Retained earnings to average equity (ytd only) | 8.8003% | 1,733 |
| Net charge-offs to loans | 0.0749% | 825 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 22.7949% | 1,688 |
| Efficiency ratio | 73.7835% | 1,369 |
| Assets per employee ($millions) | 5.0674% | 3,539 |
| Cash dividends to net income (ytd only)* | 50.1193% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 946 |
| Loan loss allowance to noncurrent loans | 239.8256% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 1,514 |
| Noncurrent loans to loans | 0.6646% | 1,121 |
| Net loans and leases to total assets | 49.0300% | 3,621 |
| Net loans and leases to deposits | 52.4059% | 3,821 |
| Net loans and leases to core deposits | 58.5704% | 3,690 |
| Total domestic deposits to total assets | 93.5600% | 181 |
| Equity capital to assets | 4.6029% | 4,434 |
| Core capital (leverage) ratio | 8.2591% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7778% | 1,999 |
| Memoranda: | ||
| Average total assets | $202,915,333 | 2,981 |
| Average earning assets | $191,160,333 | 2,952 |
| Average equity | $9,499,667 | 3,797 |
| Average total loans | $104,114,667 | 3,129 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 4,159 |
| Cost of funding earning assets | 0.8800% | 2,438 |
| Net interest margin | 2.7143% | 4,053 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.4739% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8419% | 3,046 |
| Return on assets (ROA) | 0.8419% | 3,005 |
| Pretax return on assets | 0.8918% | 3,260 |
| Return on Equity (ROE) | 17.8300% | 1,049 |
| Retained earnings to average equity (ytd only) | 9.3790% | 1,842 |
| Net charge-offs to loans | 0.0306% | 1,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 55.8750% | 1,058 |
| Efficiency ratio | 73.5033% | 1,390 |
| Assets per employee ($millions) | 5.0121% | 3,650 |
| Cash dividends to net income (ytd only)* | 47.3934% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 900 |
| Loan loss allowance to noncurrent loans | 204.5012% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 1,295 |
| Noncurrent loans to loans | 0.8088% | 948 |
| Net loans and leases to total assets | 48.6400% | 3,588 |
| Net loans and leases to deposits | 52.6968% | 3,755 |
| Net loans and leases to core deposits | 58.0822% | 3,624 |
| Total domestic deposits to total assets | 92.3000% | 447 |
| Equity capital to assets | 4.7100% | 4,462 |
| Core capital (leverage) ratio | 8.2684% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6672% | 2,107 |
| Memoranda: | ||
| Average total assets | $200,492,000 | 3,037 |
| Average earning assets | $188,187,000 | 3,009 |
| Average equity | $9,468,000 | 3,844 |
| Average total loans | $104,414,500 | 3,156 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9017% | 4,237 |
| Cost of funding earning assets | 0.2494% | 3,323 |
| Net interest margin | 2.6523% | 4,111 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.6049% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7038% | 3,612 |
| Return on assets (ROA) | 0.7038% | 3,558 |
| Pretax return on assets | 0.7635% | 3,710 |
| Return on Equity (ROE) | 12.1600% | 2,090 |
| Retained earnings to average equity (ytd only) | 4.9222% | 3,082 |
| Net charge-offs to loans | -0.0039% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.3339% | 898 |
| Assets per employee ($millions) | 4.7680% | 3,842 |
| Cash dividends to net income (ytd only)* | 59.5238% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 1,024 |
| Loan loss allowance to noncurrent loans | 197.3131% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 1,169 |
| Noncurrent loans to loans | 0.7985% | 932 |
| Net loans and leases to total assets | 53.9700% | 3,203 |
| Net loans and leases to deposits | 58.4880% | 3,421 |
| Net loans and leases to core deposits | 61.8442% | 3,402 |
| Total domestic deposits to total assets | 92.2800% | 566 |
| Equity capital to assets | 4.7354% | 4,427 |
| Core capital (leverage) ratio | 8.3025% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9753% | 2,388 |
| Memoranda: | ||
| Average total assets | $202,884,200 | 3,032 |
| Average earning assets | $191,644,200 | 2,995 |
| Average equity | $11,742,600 | 3,690 |
| Average total loans | $102,893,400 | 3,111 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7409% | 4,255 |
| Cost of funding earning assets | 0.1880% | 3,419 |
| Net interest margin | 2.5529% | 4,161 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.5965% | 1,722 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6343% | 3,739 |
| Return on assets (ROA) | 0.6343% | 3,693 |
| Pretax return on assets | 0.6812% | 3,832 |
| Return on Equity (ROE) | 10.5000% | 2,570 |
| Retained earnings to average equity (ytd only) | 3.6233% | 3,578 |
| Net charge-offs to loans | -0.0105% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.2172% | 819 |
| Assets per employee ($millions) | 4.8811% | 3,780 |
| Cash dividends to net income (ytd only)* | 65.5031% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 1,072 |
| Loan loss allowance to noncurrent loans | 186.4537% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 1,192 |
| Noncurrent loans to loans | 0.8548% | 921 |
| Net loans and leases to total assets | 52.2300% | 3,256 |
| Net loans and leases to deposits | 56.0592% | 3,475 |
| Net loans and leases to core deposits | 58.3175% | 3,479 |
| Total domestic deposits to total assets | 93.1800% | 530 |
| Equity capital to assets | 4.2639% | 4,444 |
| Core capital (leverage) ratio | 7.9043% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9544% | 2,829 |
| Memoranda: | ||
| Average total assets | $204,733,750 | 3,035 |
| Average earning assets | $193,654,750 | 2,997 |
| Average equity | $12,364,000 | 3,673 |
| Average total loans | $101,817,000 | 3,126 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5869% | 4,285 |
| Cost of funding earning assets | 0.1684% | 3,337 |
| Net interest margin | 2.4185% | 4,205 |
| Noninterest income to average assets | 0.8532% | 931 |
| Noninterest expense to average assets | 2.6218% | 1,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4683% | 3,972 |
| Return on assets (ROA) | 0.4683% | 3,921 |
| Pretax return on assets | 0.5149% | 3,970 |
| Return on Equity (ROE) | 7.0816% | 3,290 |
| Retained earnings to average equity (ytd only) | 0.6598% | 4,064 |
| Net charge-offs to loans | -0.0159% | 3,785 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5858% | 708 |
| Assets per employee ($millions) | 4.9455% | 3,722 |
| Cash dividends to net income (ytd only)* | 90.6832% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 983 |
| Loan loss allowance to noncurrent loans | 193.7071% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 1,346 |
| Noncurrent loans to loans | 0.8697% | 980 |
| Net loans and leases to total assets | 47.5637% | 3,589 |
| Net loans and leases to deposits | 51.9146% | 3,687 |
| Net loans and leases to core deposits | 53.6833% | 3,713 |
| Total domestic deposits to total assets | 91.6192% | 997 |
| Equity capital to assets | 4.5149% | 4,557 |
| Core capital (leverage) ratio | 7.7240% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3632% | 2,715 |
| Memoranda: | ||
| Average total assets | $206,270,333 | 3,054 |
| Average earning assets | $194,752,333 | 3,029 |
| Average equity | $13,641,000 | 3,620 |
| Average total loans | $100,347,333 | 3,181 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5470% | 4,202 |
| Cost of funding earning assets | 0.1668% | 3,269 |
| Net interest margin | 2.3802% | 4,110 |
| Noninterest income to average assets | 0.8446% | 946 |
| Noninterest expense to average assets | 2.6018% | 1,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4456% | 3,855 |
| Return on assets (ROA) | 0.4456% | 3,821 |
| Pretax return on assets | 0.4923% | 3,881 |
| Return on Equity (ROE) | 5.8076% | 3,399 |
| Retained earnings to average equity (ytd only) | 0.2790% | 3,962 |
| Net charge-offs to loans | -0.0519% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0881% | 842 |
| Assets per employee ($millions) | 4.8132% | 3,911 |
| Cash dividends to net income (ytd only)* | 95.1965% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 990 |
| Loan loss allowance to noncurrent loans | 129.4207% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 843 |
| Noncurrent loans to loans | 1.3416% | 648 |
| Net loans and leases to total assets | 46.4289% | 3,542 |
| Net loans and leases to deposits | 51.7999% | 3,580 |
| Net loans and leases to core deposits | 53.7448% | 3,610 |
| Total domestic deposits to total assets | 89.6312% | 1,753 |
| Equity capital to assets | 6.5542% | 4,406 |
| Core capital (leverage) ratio | 7.8789% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6801% | 2,725 |
| Memoranda: | ||
| Average total assets | $205,549,000 | 3,072 |
| Average earning assets | $194,268,500 | 3,049 |
| Average equity | $15,772,500 | 3,491 |
| Average total loans | $100,276,500 | 3,183 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7636% | 4,251 |
| Cost of funding earning assets | 0.2563% | 2,854 |
| Net interest margin | 2.5073% | 4,179 |
| Noninterest income to average assets | 0.9811% | 1,041 |
| Noninterest expense to average assets | 2.5923% | 1,889 |
| Loan and lease loss provision to assets | 0.0480% | 2,100 |
| Net operating income to assets | 0.6578% | 3,723 |
| Return on assets (ROA) | 0.6685% | 3,754 |
| Pretax return on assets | 0.7156% | 3,900 |
| Return on Equity (ROE) | 7.3275% | 3,432 |
| Retained earnings to average equity (ytd only) | 2.6847% | 3,769 |
| Net charge-offs to loans | 0.0695% | 1,100 |
| Credit loss provision to net charge-offs | 149.2537% | 1,495 |
| Earnings coverage of net charge-offs (x) | 23.3731% | 1,780 |
| Efficiency ratio | 77.5129% | 995 |
| Assets per employee ($millions) | 4.6480% | 4,005 |
| Cash dividends to net income (ytd only)* | 63.3621% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 2,076 |
| Loan loss allowance to noncurrent loans | 289.6694% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 2,116 |
| Noncurrent loans to loans | 0.4709% | 1,952 |
| Net loans and leases to total assets | 49.5702% | 3,340 |
| Net loans and leases to deposits | 55.8566% | 3,433 |
| Net loans and leases to core deposits | 57.9228% | 3,481 |
| Total domestic deposits to total assets | 88.7454% | 1,644 |
| Equity capital to assets | 8.9784% | 3,642 |
| Core capital (leverage) ratio | 8.1974% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0467% | 2,877 |
| Memoranda: | ||
| Average total assets | $208,229,400 | 3,002 |
| Average earning assets | $196,266,200 | 2,988 |
| Average equity | $18,996,800 | 3,299 |
| Average total loans | $96,383,200 | 3,242 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6210% | 4,488 |
| Cost of funding earning assets | 0.2772% | 2,828 |
| Net interest margin | 2.3438% | 4,451 |
| Noninterest income to average assets | 0.9556% | 1,144 |
| Noninterest expense to average assets | 2.5160% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6489% | 3,903 |
| Return on assets (ROA) | 0.6489% | 3,955 |
| Pretax return on assets | 0.6489% | 4,160 |
| Return on Equity (ROE) | 7.0857% | 3,648 |
| Retained earnings to average equity (ytd only) | 2.4431% | 4,069 |
| Net charge-offs to loans | -0.1871% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4965% | 776 |
| Assets per employee ($millions) | 4.9899% | 3,707 |
| Cash dividends to net income (ytd only)* | 65.5206% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 1,385 |
| Loan loss allowance to noncurrent loans | 89.6181% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 790 |
| Noncurrent loans to loans | 1.7653% | 554 |
| Net loans and leases to total assets | 44.5862% | 3,904 |
| Net loans and leases to deposits | 50.6623% | 3,974 |
| Net loans and leases to core deposits | 52.5224% | 4,011 |
| Total domestic deposits to total assets | 88.0066% | 1,836 |
| Equity capital to assets | 9.2492% | 3,608 |
| Core capital (leverage) ratio | 7.8102% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5203% | 2,858 |
| Memoranda: | ||
| Average total assets | $209,158,750 | 3,023 |
| Average earning assets | $197,171,500 | 3,011 |
| Average equity | $19,155,500 | 3,328 |
| Average total loans | $94,784,250 | 3,308 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5215% | 4,602 |
| Cost of funding earning assets | 0.2918% | 2,858 |
| Net interest margin | 2.2297% | 4,577 |
| Noninterest income to average assets | 0.9482% | 1,161 |
| Noninterest expense to average assets | 2.4974% | 2,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5569% | 4,083 |
| Return on assets (ROA) | 0.5569% | 4,134 |
| Pretax return on assets | 0.5569% | 4,302 |
| Return on Equity (ROE) | 6.1008% | 3,883 |
| Retained earnings to average equity (ytd only) | 1.6772% | 4,195 |
| Net charge-offs to loans | -0.3125% | 4,846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7669% | 685 |
| Assets per employee ($millions) | 5.2200% | 3,435 |
| Cash dividends to net income (ytd only)* | 72.5086% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 1,153 |
| Loan loss allowance to noncurrent loans | 51.1119% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.4268% | 415 |
| Noncurrent loans to loans | 3.2458% | 209 |
| Net loans and leases to total assets | 41.0164% | 4,237 |
| Net loans and leases to deposits | 46.3048% | 4,298 |
| Net loans and leases to core deposits | 47.8783% | 4,333 |
| Total domestic deposits to total assets | 88.5791% | 1,529 |
| Equity capital to assets | 8.5377% | 4,172 |
| Core capital (leverage) ratio | 7.6058% | 4,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,020,333 | 3,023 |
| Average earning assets | $197,424,000 | 3,006 |
| Average equity | $19,079,333 | 3,331 |
| Average total loans | $94,731,333 | 3,328 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5694% | 4,598 |
| Cost of funding earning assets | 0.2954% | 3,044 |
| Net interest margin | 2.2740% | 4,546 |
| Noninterest income to average assets | 1.1083% | 969 |
| Noninterest expense to average assets | 2.5011% | 2,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7513% | 3,573 |
| Return on assets (ROA) | 0.7513% | 3,641 |
| Pretax return on assets | 0.7513% | 3,912 |
| Return on Equity (ROE) | 7.9543% | 3,337 |
| Retained earnings to average equity (ytd only) | 3.7799% | 3,568 |
| Net charge-offs to loans | -0.6143% | 4,897 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8999% | 1,047 |
| Assets per employee ($millions) | 5.0177% | 3,634 |
| Cash dividends to net income (ytd only)* | 52.4804% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 1,274 |
| Loan loss allowance to noncurrent loans | 79.9262% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.0864% | 738 |
| Noncurrent loans to loans | 2.0119% | 535 |
| Net loans and leases to total assets | 43.0213% | 4,175 |
| Net loans and leases to deposits | 48.9098% | 4,225 |
| Net loans and leases to core deposits | 50.6836% | 4,262 |
| Total domestic deposits to total assets | 87.9604% | 1,862 |
| Equity capital to assets | 8.7582% | 3,903 |
| Core capital (leverage) ratio | 8.2753% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,911,000 | 3,054 |
| Average earning assets | $192,259,500 | 3,036 |
| Average equity | $19,260,000 | 3,305 |
| Average total loans | $96,376,500 | 3,317 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3657% | 4,245 |
| Cost of funding earning assets | 0.4915% | 3,000 |
| Net interest margin | 2.8742% | 4,154 |
| Noninterest income to average assets | 1.0991% | 882 |
| Noninterest expense to average assets | 2.6864% | 2,279 |
| Loan and lease loss provision to assets | 0.2199% | 1,781 |
| Net operating income to assets | 0.8678% | 2,835 |
| Return on assets (ROA) | 0.8874% | 2,893 |
| Pretax return on assets | 0.9006% | 3,364 |
| Return on Equity (ROE) | 8.6115% | 2,549 |
| Retained earnings to average equity (ytd only) | 4.1457% | 2,738 |
| Net charge-offs to loans | 0.2037% | 849 |
| Credit loss provision to net charge-offs | 194.1748% | 2,190 |
| Earnings coverage of net charge-offs (x) | 9.7184% | 2,504 |
| Efficiency ratio | 70.9350% | 1,819 |
| Assets per employee ($millions) | 4.5728% | 3,843 |
| Cash dividends to net income (ytd only)* | 51.8587% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 2,007 |
| Loan loss allowance to noncurrent loans | 87.9820% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.9591% | 1,007 |
| Noncurrent loans to loans | 1.5811% | 836 |
| Net loans and leases to total assets | 50.5277% | 3,785 |
| Net loans and leases to deposits | 57.6477% | 3,910 |
| Net loans and leases to core deposits | 59.7360% | 3,962 |
| Total domestic deposits to total assets | 87.6491% | 1,635 |
| Equity capital to assets | 10.2172% | 2,918 |
| Core capital (leverage) ratio | 8.6968% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,881,600 | 3,087 |
| Average earning assets | $170,098,600 | 3,071 |
| Average equity | $18,742,400 | 3,303 |
| Average total loans | $101,145,000 | 3,212 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 4,087 |
| Cost of funding earning assets | 0.5449% | 2,963 |
| Net interest margin | 3.0226% | 3,921 |
| Noninterest income to average assets | 1.1382% | 812 |
| Noninterest expense to average assets | 2.6326% | 2,440 |
| Loan and lease loss provision to assets | 0.2972% | 1,358 |
| Net operating income to assets | 1.0334% | 2,212 |
| Return on assets (ROA) | 1.0602% | 2,242 |
| Pretax return on assets | 1.0602% | 2,877 |
| Return on Equity (ROE) | 10.2649% | 1,924 |
| Retained earnings to average equity (ytd only) | 5.7803% | 2,189 |
| Net charge-offs to loans | 0.2710% | 575 |
| Credit loss provision to net charge-offs | 193.2367% | 2,135 |
| Earnings coverage of net charge-offs (x) | 8.6473% | 2,481 |
| Efficiency ratio | 66.4228% | 2,415 |
| Assets per employee ($millions) | 4.4441% | 3,912 |
| Cash dividends to net income (ytd only)* | 43.6886% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,012 |
| Loan loss allowance to noncurrent loans | 401.1730% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 3,516 |
| Noncurrent loans to loans | 0.3331% | 3,089 |
| Net loans and leases to total assets | 54.1116% | 3,792 |
| Net loans and leases to deposits | 62.0792% | 3,926 |
| Net loans and leases to core deposits | 64.4271% | 3,990 |
| Total domestic deposits to total assets | 87.1655% | 1,600 |
| Equity capital to assets | 10.4884% | 2,800 |
| Core capital (leverage) ratio | 8.8871% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,337,250 | 3,097 |
| Average earning assets | $167,624,250 | 3,081 |
| Average equity | $18,522,250 | 3,316 |
| Average total loans | $101,828,250 | 3,208 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6979% | 4,095 |
| Cost of funding earning assets | 0.6137% | 2,900 |
| Net interest margin | 3.0842% | 3,933 |
| Noninterest income to average assets | 1.0040% | 976 |
| Noninterest expense to average assets | 2.6727% | 2,462 |
| Loan and lease loss provision to assets | 0.3392% | 1,262 |
| Net operating income to assets | 0.8785% | 2,780 |
| Return on assets (ROA) | 0.9192% | 2,746 |
| Pretax return on assets | 0.9192% | 3,260 |
| Return on Equity (ROE) | 8.9485% | 2,383 |
| Retained earnings to average equity (ytd only) | 4.3036% | 2,782 |
| Net charge-offs to loans | 0.4624% | 342 |
| Credit loss provision to net charge-offs | 127.6596% | 2,245 |
| Earnings coverage of net charge-offs (x) | 4.5830% | 2,590 |
| Efficiency ratio | 68.7010% | 2,141 |
| Assets per employee ($millions) | 4.7719% | 3,443 |
| Cash dividends to net income (ytd only)* | 51.9065% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,351 |
| Loan loss allowance to noncurrent loans | 392.4051% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 3,680 |
| Noncurrent loans to loans | 0.3134% | 3,264 |
| Net loans and leases to total assets | 53.5184% | 3,913 |
| Net loans and leases to deposits | 61.6339% | 4,027 |
| Net loans and leases to core deposits | 64.3925% | 4,054 |
| Total domestic deposits to total assets | 86.8328% | 1,690 |
| Equity capital to assets | 10.2753% | 2,944 |
| Core capital (leverage) ratio | 8.9181% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,898,667 | 3,101 |
| Average earning assets | $165,555,333 | 3,087 |
| Average equity | $18,170,667 | 3,346 |
| Average total loans | $101,648,000 | 3,206 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 4,054 |
| Cost of funding earning assets | 0.7199% | 2,839 |
| Net interest margin | 3.1692% | 3,933 |
| Noninterest income to average assets | 0.9519% | 949 |
| Noninterest expense to average assets | 2.7186% | 2,661 |
| Loan and lease loss provision to assets | 0.4643% | 641 |
| Net operating income to assets | 0.7429% | 3,119 |
| Return on assets (ROA) | 0.7684% | 3,106 |
| Pretax return on assets | 0.7684% | 3,495 |
| Return on Equity (ROE) | 7.4826% | 2,739 |
| Retained earnings to average equity (ytd only) | 2.9388% | 3,109 |
| Net charge-offs to loans | 0.8819% | 166 |
| Credit loss provision to net charge-offs | 88.8889% | 1,897 |
| Earnings coverage of net charge-offs (x) | 2.3111% | 2,298 |
| Efficiency ratio | 69.2490% | 2,474 |
| Assets per employee ($millions) | 4.3584% | 3,460 |
| Cash dividends to net income (ytd only)* | 60.7251% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 2,876 |
| Loan loss allowance to noncurrent loans | 227.2727% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 3,290 |
| Noncurrent loans to loans | 0.5106% | 2,740 |
| Net loans and leases to total assets | 56.1795% | 3,827 |
| Net loans and leases to deposits | 65.4312% | 3,899 |
| Net loans and leases to core deposits | 68.3151% | 3,972 |
| Total domestic deposits to total assets | 85.8605% | 2,052 |
| Equity capital to assets | 10.0514% | 3,726 |
| Core capital (leverage) ratio | 9.1456% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,295,000 | 3,114 |
| Average earning assets | $161,680,500 | 3,095 |
| Average equity | $17,694,500 | 3,402 |
| Average total loans | $102,051,500 | 3,197 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 4,087 |
| Cost of funding earning assets | 0.6986% | 3,161 |
| Net interest margin | 3.3808% | 3,796 |
| Noninterest income to average assets | 1.1309% | 732 |
| Noninterest expense to average assets | 2.9969% | 2,028 |
| Loan and lease loss provision to assets | 0.8888% | 114 |
| Net operating income to assets | 0.3661% | 4,658 |
| Return on assets (ROA) | 0.3843% | 4,653 |
| Pretax return on assets | 0.3874% | 4,731 |
| Return on Equity (ROE) | 3.6432% | 4,545 |
| Retained earnings to average equity (ytd only) | -0.0116% | 4,701 |
| Net charge-offs to loans | 1.1180% | 139 |
| Credit loss provision to net charge-offs | 124.2502% | 2,047 |
| Earnings coverage of net charge-offs (x) | 1.7584% | 3,496 |
| Efficiency ratio | 70.4365% | 2,107 |
| Assets per employee ($millions) | 4.2564% | 3,572 |
| Cash dividends to net income (ytd only)* | 100.3190% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 2,840 |
| Loan loss allowance to noncurrent loans | 137.1062% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6796% | 1,896 |
| Noncurrent loans to loans | 0.8161% | 1,875 |
| Net loans and leases to total assets | 60.9893% | 3,503 |
| Net loans and leases to deposits | 71.0937% | 3,585 |
| Net loans and leases to core deposits | 73.7674% | 3,738 |
| Total domestic deposits to total assets | 85.7873% | 2,144 |
| Equity capital to assets | 10.4936% | 3,450 |
| Core capital (leverage) ratio | 9.3868% | 4,181 |
| Tier 1 risk-based capital ratio | 11.4325% | 4,659 |
| Total risk-based capital ratio | 12.2982% | 4,737 |
| Memoranda: | ||
| Average total assets | $163,137,600 | 3,176 |
| Average earning assets | $150,732,000 | 3,167 |
| Average equity | $17,210,000 | 3,411 |
| Average total loans | $104,384,400 | 3,165 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 4,109 |
| Cost of funding earning assets | 0.6794% | 3,312 |
| Net interest margin | 3.4400% | 3,757 |
| Noninterest income to average assets | 0.9221% | 1,099 |
| Noninterest expense to average assets | 3.0441% | 1,847 |
| Loan and lease loss provision to assets | 0.9916% | 94 |
| Net operating income to assets | 0.0537% | 5,045 |
| Return on assets (ROA) | 0.0537% | 5,060 |
| Pretax return on assets | 0.0537% | 5,056 |
| Return on Equity (ROE) | 0.5084% | 5,053 |
| Retained earnings to average equity (ytd only) | -2.7533% | 4,975 |
| Net charge-offs to loans | 1.1999% | 119 |
| Credit loss provision to net charge-offs | 127.9318% | 1,848 |
| Earnings coverage of net charge-offs (x) | 1.3486% | 3,303 |
| Efficiency ratio | 74.4393% | 1,501 |
| Assets per employee ($millions) | 4.0282% | 3,862 |
| Cash dividends to net income (ytd only)* | 641.5763% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 2,985 |
| Loan loss allowance to noncurrent loans | 83.6232% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 0.8356% | 1,646 |
| Noncurrent loans to loans | 1.3253% | 1,160 |
| Net loans and leases to total assets | 62.3470% | 3,458 |
| Net loans and leases to deposits | 72.2781% | 3,600 |
| Net loans and leases to core deposits | 74.6161% | 3,792 |
| Total domestic deposits to total assets | 86.2598% | 1,882 |
| Equity capital to assets | 10.5469% | 3,506 |
| Core capital (leverage) ratio | 9.2990% | 4,371 |
| Tier 1 risk-based capital ratio | 10.9794% | 4,916 |
| Total risk-based capital ratio | 11.8148% | 4,988 |
| Memoranda: | ||
| Average total assets | $161,358,000 | 3,223 |
| Average earning assets | $148,560,250 | 3,218 |
| Average equity | $17,046,000 | 3,451 |
| Average total loans | $104,227,250 | 3,202 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 4,174 |
| Cost of funding earning assets | 0.6346% | 3,489 |
| Net interest margin | 3.4611% | 3,713 |
| Noninterest income to average assets | 0.9482% | 973 |
| Noninterest expense to average assets | 3.1332% | 1,653 |
| Loan and lease loss provision to assets | 1.4367% | 58 |
| Net operating income to assets | -0.4397% | 5,184 |
| Return on assets (ROA) | -0.4397% | 5,188 |
| Pretax return on assets | -0.4397% | 5,186 |
| Return on Equity (ROE) | -4.1603% | 5,196 |
| Retained earnings to average equity (ytd only) | -9.0889% | 5,160 |
| Net charge-offs to loans | 1.7245% | 67 |
| Credit loss provision to net charge-offs | 127.9199% | 1,675 |
| Earnings coverage of net charge-offs (x) | 0.8877% | 3,070 |
| Efficiency ratio | 75.8621% | 1,412 |
| Assets per employee ($millions) | 3.8860% | 4,018 |
| Cash dividends to net income (ytd only)* | -118.4659% | 5,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,019 |
| Loan loss allowance to noncurrent loans | 60.8302% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.2156% | 1,085 |
| Noncurrent loans to loans | 1.8243% | 823 |
| Net loans and leases to total assets | 62.4066% | 3,499 |
| Net loans and leases to deposits | 72.9908% | 3,599 |
| Net loans and leases to core deposits | 74.6880% | 3,848 |
| Total domestic deposits to total assets | 85.4992% | 2,263 |
| Equity capital to assets | 10.3215% | 3,673 |
| Core capital (leverage) ratio | 9.2024% | 4,455 |
| Tier 1 risk-based capital ratio | 10.9608% | 4,928 |
| Total risk-based capital ratio | 11.8102% | 5,002 |
| Memoranda: | ||
| Average total assets | $160,091,330 | 3,254 |
| Average earning assets | $147,180,330 | 3,252 |
| Average equity | $16,921,670 | 3,470 |
| Average total loans | $104,261,330 | 3,222 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 4,141 |
| Cost of funding earning assets | 0.5725% | 3,718 |
| Net interest margin | 3.5206% | 3,537 |
| Noninterest income to average assets | 0.8099% | 1,273 |
| Noninterest expense to average assets | 3.1868% | 1,527 |
| Loan and lease loss provision to assets | 0.7569% | 134 |
| Net operating income to assets | 0.0934% | 5,094 |
| Return on assets (ROA) | 0.0934% | 5,097 |
| Pretax return on assets | 0.0934% | 5,102 |
| Return on Equity (ROE) | 0.8727% | 5,088 |
| Retained earnings to average equity (ytd only) | -3.8680% | 4,857 |
| Net charge-offs to loans | 1.1440% | 110 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 1.1233% | 2,618 |
| Efficiency ratio | 78.9375% | 1,167 |
| Assets per employee ($millions) | 3.8020% | 4,190 |
| Cash dividends to net income (ytd only)* | 543.2432% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 4,292 |
| Loan loss allowance to noncurrent loans | 27.5564% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.0271% | 477 |
| Noncurrent loans to loans | 3.1297% | 333 |
| Net loans and leases to total assets | 64.2124% | 3,262 |
| Net loans and leases to deposits | 75.1418% | 3,340 |
| Net loans and leases to core deposits | 76.7584% | 3,612 |
| Total domestic deposits to total assets | 85.4550% | 2,505 |
| Equity capital to assets | 10.6748% | 3,185 |
| Core capital (leverage) ratio | 9.8294% | 3,786 |
| Tier 1 risk-based capital ratio | 11.3180% | 4,830 |
| Total risk-based capital ratio | 11.9755% | 4,997 |
| Memoranda: | ||
| Average total assets | $158,531,000 | 3,308 |
| Average earning assets | $145,317,000 | 3,309 |
| Average equity | $16,959,500 | 3,480 |
| Average total loans | $104,893,000 | 3,239 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9206% | 4,233 |
| Cost of funding earning assets | 0.4117% | 3,915 |
| Net interest margin | 3.5089% | 3,678 |
| Noninterest income to average assets | 0.9648% | 1,025 |
| Noninterest expense to average assets | 2.9051% | 2,336 |
| Loan and lease loss provision to assets | 0.3771% | 381 |
| Net operating income to assets | 0.8988% | 3,442 |
| Return on assets (ROA) | 0.8988% | 3,433 |
| Pretax return on assets | 0.9126% | 3,861 |
| Return on Equity (ROE) | 8.3551% | 3,299 |
| Retained earnings to average equity (ytd only) | 1.2095% | 4,649 |
| Net charge-offs to loans | 0.4934% | 361 |
| Credit loss provision to net charge-offs | 116.9591% | 2,217 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,348 |
| Efficiency ratio | 69.2538% | 2,337 |
| Assets per employee ($millions) | 3.7471% | 4,254 |
| Cash dividends to net income (ytd only)* | 85.5245% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,399 |
| Loan loss allowance to noncurrent loans | 18.6338% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 3.0417% | 204 |
| Noncurrent loans to loans | 4.5009% | 139 |
| Net loans and leases to total assets | 67.0138% | 2,999 |
| Net loans and leases to deposits | 78.9019% | 3,060 |
| Net loans and leases to core deposits | 81.1888% | 3,336 |
| Total domestic deposits to total assets | 84.9331% | 2,670 |
| Equity capital to assets | 10.7213% | 2,956 |
| Core capital (leverage) ratio | 9.9174% | 3,680 |
| Tier 1 risk-based capital ratio | 11.0652% | 4,945 |
| Total risk-based capital ratio | 11.7012% | 5,101 |
| Memoranda: | ||
| Average total assets | $159,099,000 | 3,295 |
| Average earning assets | $146,458,200 | 3,296 |
| Average equity | $17,115,200 | 3,382 |
| Average total loans | $103,973,600 | 3,228 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 4,101 |
| Cost of funding earning assets | 0.3994% | 3,862 |
| Net interest margin | 3.5429% | 3,544 |
| Noninterest income to average assets | 0.9611% | 1,032 |
| Noninterest expense to average assets | 2.8057% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4250% | 1,400 |
| Return on assets (ROA) | 1.4250% | 1,401 |
| Pretax return on assets | 1.4250% | 2,135 |
| Return on Equity (ROE) | 13.2354% | 1,346 |
| Retained earnings to average equity (ytd only) | 7.7394% | 1,775 |
| Net charge-offs to loans | 0.0142% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 154.9611% | 531 |
| Efficiency ratio | 66.3177% | 2,811 |
| Assets per employee ($millions) | 3.6935% | 4,317 |
| Cash dividends to net income (ytd only)* | 41.5250% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7604% | 4,732 |
| Loan loss allowance to noncurrent loans | 36.1566% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.3827% | 969 |
| Noncurrent loans to loans | 2.1032% | 683 |
| Net loans and leases to total assets | 65.2435% | 3,281 |
| Net loans and leases to deposits | 80.0635% | 3,038 |
| Net loans and leases to core deposits | 83.1520% | 3,233 |
| Total domestic deposits to total assets | 81.4896% | 3,740 |
| Equity capital to assets | 10.9641% | 2,694 |
| Core capital (leverage) ratio | 10.3049% | 3,286 |
| Tier 1 risk-based capital ratio | 11.9019% | 4,555 |
| Total risk-based capital ratio | 12.4813% | 4,831 |
| Memoranda: | ||
| Average total assets | $159,529,250 | 3,311 |
| Average earning assets | $147,219,500 | 3,312 |
| Average equity | $17,175,750 | 3,411 |
| Average total loans | $103,377,750 | 3,270 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8869% | 4,109 |
| Cost of funding earning assets | 0.3779% | 3,885 |
| Net interest margin | 3.5090% | 3,600 |
| Noninterest income to average assets | 0.9551% | 1,040 |
| Noninterest expense to average assets | 2.7966% | 2,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4021% | 1,436 |
| Return on assets (ROA) | 1.4021% | 1,437 |
| Pretax return on assets | 1.4021% | 2,136 |
| Return on Equity (ROE) | 13.1020% | 1,340 |
| Retained earnings to average equity (ytd only) | 7.1710% | 1,992 |
| Net charge-offs to loans | 0.0194% | 2,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 642 |
| Efficiency ratio | 66.6070% | 2,874 |
| Assets per employee ($millions) | 3.7405% | 4,294 |
| Cash dividends to net income (ytd only)* | 45.2679% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 4,779 |
| Loan loss allowance to noncurrent loans | 43.1831% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.1446% | 1,279 |
| Noncurrent loans to loans | 1.7851% | 878 |
| Net loans and leases to total assets | 63.6235% | 3,439 |
| Net loans and leases to deposits | 78.1092% | 3,147 |
| Net loans and leases to core deposits | 81.2407% | 3,302 |
| Total domestic deposits to total assets | 81.4546% | 3,876 |
| Equity capital to assets | 10.7123% | 2,917 |
| Core capital (leverage) ratio | 10.0977% | 3,483 |
| Tier 1 risk-based capital ratio | 11.8177% | 4,611 |
| Total risk-based capital ratio | 12.4076% | 4,872 |
| Memoranda: | ||
| Average total assets | $159,766,000 | 3,325 |
| Average earning assets | $147,675,670 | 3,321 |
| Average equity | $17,096,670 | 3,435 |
| Average total loans | $103,032,670 | 3,285 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 4,126 |
| Cost of funding earning assets | 0.3640% | 3,880 |
| Net interest margin | 3.4690% | 3,645 |
| Noninterest income to average assets | 0.9320% | 1,068 |
| Noninterest expense to average assets | 2.7181% | 2,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4219% | 1,282 |
| Return on assets (ROA) | 1.4219% | 1,286 |
| Pretax return on assets | 1.4219% | 1,928 |
| Return on Equity (ROE) | 13.2942% | 1,185 |
| Retained earnings to average equity (ytd only) | 6.4592% | 2,523 |
| Net charge-offs to loans | 0.0466% | 1,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 47.1667% | 976 |
| Efficiency ratio | 65.6553% | 3,227 |
| Assets per employee ($millions) | 3.8240% | 4,254 |
| Cash dividends to net income (ytd only)* | 51.4134% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7821% | 4,832 |
| Loan loss allowance to noncurrent loans | 44.5756% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 1,401 |
| Noncurrent loans to loans | 1.7545% | 973 |
| Net loans and leases to total assets | 62.6415% | 3,470 |
| Net loans and leases to deposits | 80.6099% | 2,739 |
| Net loans and leases to core deposits | 84.1476% | 2,969 |
| Total domestic deposits to total assets | 77.7094% | 4,762 |
| Equity capital to assets | 10.5544% | 3,018 |
| Core capital (leverage) ratio | 9.9185% | 3,617 |
| Tier 1 risk-based capital ratio | 11.9468% | 4,577 |
| Total risk-based capital ratio | 12.5546% | 4,868 |
| Memoranda: | ||
| Average total assets | $159,227,500 | 3,370 |
| Average earning assets | $147,247,500 | 3,371 |
| Average equity | $17,030,000 | 3,472 |
| Average total loans | $102,984,500 | 3,307 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6932% | 4,353 |
| Cost of funding earning assets | 0.2229% | 4,768 |
| Net interest margin | 3.4703% | 3,620 |
| Noninterest income to average assets | 0.9464% | 1,149 |
| Noninterest expense to average assets | 2.8015% | 2,770 |
| Loan and lease loss provision to assets | 0.0641% | 2,941 |
| Net operating income to assets | 1.2546% | 1,350 |
| Return on assets (ROA) | 1.2534% | 1,374 |
| Pretax return on assets | 1.2726% | 2,459 |
| Return on Equity (ROE) | 11.5884% | 1,316 |
| Retained earnings to average equity (ytd only) | 4.1649% | 2,669 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6780% | 2,962 |
| Assets per employee ($millions) | 3.7583% | 4,347 |
| Cash dividends to net income (ytd only)* | 64.0593% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7698% | 4,909 |
| Loan loss allowance to noncurrent loans | 583.3333% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 4,687 |
| Noncurrent loans to loans | 0.1320% | 4,402 |
| Net loans and leases to total assets | 65.7369% | 3,133 |
| Net loans and leases to deposits | 83.4452% | 2,560 |
| Net loans and leases to core deposits | 87.2620% | 2,791 |
| Total domestic deposits to total assets | 78.7785% | 4,584 |
| Equity capital to assets | 10.8388% | 2,791 |
| Core capital (leverage) ratio | 9.8292% | 3,661 |
| Tier 1 risk-based capital ratio | 11.3863% | 4,924 |
| Total risk-based capital ratio | 11.9849% | 5,175 |
| Memoranda: | ||
| Average total assets | $156,060,000 | 3,401 |
| Average earning assets | $143,588,600 | 3,404 |
| Average equity | $16,879,000 | 3,494 |
| Average total loans | $96,242,200 | 3,411 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6352% | 4,475 |
| Cost of funding earning assets | 0.2096% | 4,885 |
| Net interest margin | 3.4257% | 3,755 |
| Noninterest income to average assets | 0.9365% | 1,174 |
| Noninterest expense to average assets | 2.7461% | 2,909 |
| Loan and lease loss provision to assets | 0.0857% | 2,378 |
| Net operating income to assets | 1.2561% | 1,489 |
| Return on assets (ROA) | 1.2561% | 1,514 |
| Pretax return on assets | 1.2561% | 2,680 |
| Return on Equity (ROE) | 11.6198% | 1,454 |
| Retained earnings to average equity (ytd only) | 4.9776% | 2,901 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1767% | 3,019 |
| Assets per employee ($millions) | 4.0420% | 3,914 |
| Cash dividends to net income (ytd only)* | 57.1625% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7959% | 4,908 |
| Loan loss allowance to noncurrent loans | 43.3029% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 1.1793% | 1,397 |
| Noncurrent loans to loans | 1.8379% | 962 |
| Net loans and leases to total assets | 63.6534% | 3,459 |
| Net loans and leases to deposits | 79.5456% | 3,009 |
| Net loans and leases to core deposits | 83.7195% | 3,151 |
| Total domestic deposits to total assets | 80.0213% | 4,308 |
| Equity capital to assets | 10.9993% | 2,864 |
| Core capital (leverage) ratio | 9.6939% | 3,946 |
| Tier 1 risk-based capital ratio | 11.3397% | 5,054 |
| Total risk-based capital ratio | 11.9388% | 5,306 |
| Memoranda: | ||
| Average total assets | $155,612,750 | 3,436 |
| Average earning assets | $143,150,500 | 3,437 |
| Average equity | $16,821,500 | 3,537 |
| Average total loans | $94,160,250 | 3,479 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5782% | 4,568 |
| Cost of funding earning assets | 0.2010% | 4,972 |
| Net interest margin | 3.3773% | 3,848 |
| Noninterest income to average assets | 0.9178% | 1,219 |
| Noninterest expense to average assets | 2.7805% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2392% | 1,478 |
| Return on assets (ROA) | 1.2392% | 1,506 |
| Pretax return on assets | 1.2392% | 2,624 |
| Return on Equity (ROE) | 11.5322% | 1,453 |
| Retained earnings to average equity (ytd only) | 4.5528% | 2,997 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1715% | 2,818 |
| Assets per employee ($millions) | 3.9968% | 3,960 |
| Cash dividends to net income (ytd only)* | 60.5208% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 5,061 |
| Loan loss allowance to noncurrent loans | 278.6561% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 4,550 |
| Noncurrent loans to loans | 0.2711% | 4,071 |
| Net loans and leases to total assets | 57.9292% | 4,044 |
| Net loans and leases to deposits | 70.8043% | 3,844 |
| Net loans and leases to core deposits | 73.7251% | 3,963 |
| Total domestic deposits to total assets | 81.8160% | 3,936 |
| Equity capital to assets | 10.7143% | 3,120 |
| Core capital (leverage) ratio | 9.7554% | 3,824 |
| Tier 1 risk-based capital ratio | 11.9329% | 4,676 |
| Total risk-based capital ratio | 12.4942% | 5,004 |
| Memoranda: | ||
| Average total assets | $154,937,670 | 3,454 |
| Average earning assets | $142,304,670 | 3,460 |
| Average equity | $16,649,000 | 3,565 |
| Average total loans | $91,831,330 | 3,541 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5820% | 4,464 |
| Cost of funding earning assets | 0.2028% | 4,956 |
| Net interest margin | 3.3792% | 3,716 |
| Noninterest income to average assets | 0.9130% | 1,202 |
| Noninterest expense to average assets | 2.8176% | 2,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1989% | 1,504 |
| Return on assets (ROA) | 1.1989% | 1,543 |
| Pretax return on assets | 1.1989% | 2,601 |
| Return on Equity (ROE) | 11.1402% | 1,518 |
| Retained earnings to average equity (ytd only) | 2.2670% | 4,231 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1502% | 2,861 |
| Assets per employee ($millions) | 3.7515% | 4,412 |
| Cash dividends to net income (ytd only)* | 79.6499% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7771% | 5,116 |
| Loan loss allowance to noncurrent loans | 293.7500% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 4,634 |
| Noncurrent loans to loans | 0.2646% | 4,165 |
| Net loans and leases to total assets | 58.5211% | 3,926 |
| Net loans and leases to deposits | 72.8261% | 3,529 |
| Net loans and leases to core deposits | 75.3449% | 3,710 |
| Total domestic deposits to total assets | 80.3573% | 4,551 |
| Equity capital to assets | 10.6994% | 2,963 |
| Core capital (leverage) ratio | 9.6137% | 3,974 |
| Tier 1 risk-based capital ratio | 12.2796% | 4,520 |
| Total risk-based capital ratio | 12.8684% | 4,861 |
| Memoranda: | ||
| Average total assets | $152,471,000 | 3,521 |
| Average earning assets | $140,034,000 | 3,526 |
| Average equity | $16,409,000 | 3,615 |
| Average total loans | $91,088,500 | 3,573 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4518% | 4,885 |
| Cost of funding earning assets | 0.2260% | 4,773 |
| Net interest margin | 3.2258% | 4,366 |
| Noninterest income to average assets | 0.9051% | 1,398 |
| Noninterest expense to average assets | 2.8296% | 2,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0219% | 2,252 |
| Return on assets (ROA) | 0.8820% | 3,036 |
| Pretax return on assets | 0.8952% | 3,866 |
| Return on Equity (ROE) | 7.9374% | 2,974 |
| Retained earnings to average equity (ytd only) | 1.1118% | 4,859 |
| Net charge-offs to loans | -0.0011% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1887% | 2,393 |
| Assets per employee ($millions) | 3.7782% | 4,346 |
| Cash dividends to net income (ytd only)* | 85.9925% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 5,180 |
| Loan loss allowance to noncurrent loans | 354.2714% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 4,789 |
| Noncurrent loans to loans | 0.2176% | 4,373 |
| Net loans and leases to total assets | 60.0507% | 3,846 |
| Net loans and leases to deposits | 74.0233% | 3,512 |
| Net loans and leases to core deposits | 76.6018% | 3,695 |
| Total domestic deposits to total assets | 81.1241% | 4,305 |
| Equity capital to assets | 10.8259% | 2,786 |
| Core capital (leverage) ratio | 9.6841% | 3,874 |
| Tier 1 risk-based capital ratio | 12.4366% | 4,415 |
| Total risk-based capital ratio | 13.0367% | 4,769 |
| Memoranda: | ||
| Average total assets | $151,365,600 | 3,502 |
| Average earning assets | $138,944,000 | 3,511 |
| Average equity | $16,819,200 | 3,575 |
| Average total loans | $88,399,600 | 3,610 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 4,974 |
| Cost of funding earning assets | 0.2323% | 4,771 |
| Net interest margin | 3.1923% | 4,510 |
| Noninterest income to average assets | 0.9122% | 1,369 |
| Noninterest expense to average assets | 2.7533% | 3,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0874% | 2,053 |
| Return on assets (ROA) | 1.0874% | 2,150 |
| Pretax return on assets | 1.0874% | 3,282 |
| Return on Equity (ROE) | 9.7240% | 2,176 |
| Retained earnings to average equity (ytd only) | 4.7006% | 3,017 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6873% | 2,617 |
| Assets per employee ($millions) | 3.8925% | 4,145 |
| Cash dividends to net income (ytd only)* | 51.6601% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 5,234 |
| Loan loss allowance to noncurrent loans | 451.2821% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 5,020 |
| Noncurrent loans to loans | 0.1738% | 4,655 |
| Net loans and leases to total assets | 58.6479% | 4,031 |
| Net loans and leases to deposits | 70.6663% | 3,920 |
| Net loans and leases to core deposits | 73.0793% | 4,076 |
| Total domestic deposits to total assets | 82.9928% | 3,600 |
| Equity capital to assets | 11.4482% | 2,553 |
| Core capital (leverage) ratio | 10.1313% | 3,402 |
| Tier 1 risk-based capital ratio | 13.1492% | 4,069 |
| Total risk-based capital ratio | 13.7655% | 4,366 |
| Memoranda: | ||
| Average total assets | $151,424,750 | 3,511 |
| Average earning assets | $138,913,500 | 3,529 |
| Average equity | $16,933,750 | 3,590 |
| Average total loans | $87,634,750 | 3,643 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4384% | 5,007 |
| Cost of funding earning assets | 0.2435% | 4,722 |
| Net interest margin | 3.1949% | 4,554 |
| Noninterest income to average assets | 0.9240% | 1,301 |
| Noninterest expense to average assets | 2.7191% | 3,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1355% | 1,823 |
| Return on assets (ROA) | 1.1355% | 1,941 |
| Pretax return on assets | 1.1355% | 3,059 |
| Return on Equity (ROE) | 10.2351% | 1,955 |
| Retained earnings to average equity (ytd only) | 5.1116% | 2,658 |
| Net charge-offs to loans | 0.0023% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 859.0000% | 61 |
| Efficiency ratio | 70.5418% | 2,900 |
| Assets per employee ($millions) | 4.0011% | 3,899 |
| Cash dividends to net income (ytd only)* | 50.0582% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 5,233 |
| Loan loss allowance to noncurrent loans | 484.8276% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 4,712 |
| Noncurrent loans to loans | 0.1685% | 4,768 |
| Net loans and leases to total assets | 56.1490% | 4,292 |
| Net loans and leases to deposits | 67.9557% | 4,186 |
| Net loans and leases to core deposits | 69.1367% | 4,395 |
| Total domestic deposits to total assets | 82.6259% | 3,784 |
| Equity capital to assets | 11.2581% | 2,794 |
| Core capital (leverage) ratio | 9.9198% | 3,662 |
| Tier 1 risk-based capital ratio | 13.6777% | 3,778 |
| Total risk-based capital ratio | 14.3252% | 4,075 |
| Memoranda: | ||
| Average total assets | $151,297,670 | 3,544 |
| Average earning assets | $138,784,330 | 3,551 |
| Average equity | $16,785,330 | 3,618 |
| Average total loans | $86,934,670 | 3,669 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4649% | 4,972 |
| Cost of funding earning assets | 0.2487% | 4,723 |
| Net interest margin | 3.2161% | 4,530 |
| Noninterest income to average assets | 0.8587% | 1,420 |
| Noninterest expense to average assets | 2.7086% | 3,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0972% | 1,915 |
| Return on assets (ROA) | 1.0972% | 2,012 |
| Pretax return on assets | 1.0972% | 3,103 |
| Return on Equity (ROE) | 9.9642% | 1,995 |
| Retained earnings to average equity (ytd only) | 4.9580% | 2,970 |
| Net charge-offs to loans | 0.0046% | 2,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 414.0000% | 144 |
| Efficiency ratio | 71.1699% | 2,922 |
| Assets per employee ($millions) | 3.9786% | 3,988 |
| Cash dividends to net income (ytd only)* | 50.2415% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 5,331 |
| Loan loss allowance to noncurrent loans | 218.3230% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 4,472 |
| Noncurrent loans to loans | 0.3726% | 4,099 |
| Net loans and leases to total assets | 56.6931% | 4,180 |
| Net loans and leases to deposits | 69.2622% | 3,926 |
| Net loans and leases to core deposits | 70.6565% | 4,186 |
| Total domestic deposits to total assets | 81.8528% | 4,268 |
| Equity capital to assets | 11.0738% | 2,856 |
| Core capital (leverage) ratio | 9.7650% | 3,825 |
| Tier 1 risk-based capital ratio | 13.7867% | 3,822 |
| Total risk-based capital ratio | 14.4493% | 4,069 |
| Memoranda: | ||
| Average total assets | $150,925,500 | 3,573 |
| Average earning assets | $138,302,500 | 3,584 |
| Average equity | $16,619,500 | 3,641 |
| Average total loans | $87,365,500 | 3,668 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3614% | 5,242 |
| Cost of funding earning assets | 0.2792% | 4,492 |
| Net interest margin | 3.0822% | 4,944 |
| Noninterest income to average assets | 0.9066% | 1,428 |
| Noninterest expense to average assets | 2.5902% | 3,960 |
| Loan and lease loss provision to assets | 0.0641% | 3,011 |
| Net operating income to assets | 1.0681% | 2,050 |
| Return on assets (ROA) | 1.0681% | 2,127 |
| Pretax return on assets | 1.0835% | 3,137 |
| Return on Equity (ROE) | 10.2747% | 1,889 |
| Retained earnings to average equity (ytd only) | 5.0017% | 2,418 |
| Net charge-offs to loans | 0.0672% | 2,897 |
| Credit loss provision to net charge-offs | 172.4138% | 1,562 |
| Earnings coverage of net charge-offs (x) | 30.8621% | 1,428 |
| Efficiency ratio | 69.2967% | 3,345 |
| Assets per employee ($millions) | 4.0720% | 3,814 |
| Cash dividends to net income (ytd only)* | 51.3205% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 5,412 |
| Loan loss allowance to noncurrent loans | 132.8302% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 3,958 |
| Noncurrent loans to loans | 0.6001% | 3,371 |
| Net loans and leases to total assets | 58.1502% | 4,066 |
| Net loans and leases to deposits | 70.4197% | 3,876 |
| Net loans and leases to core deposits | 71.6463% | 4,161 |
| Total domestic deposits to total assets | 82.5766% | 3,988 |
| Equity capital to assets | 10.9495% | 2,874 |
| Core capital (leverage) ratio | 9.4408% | 4,262 |
| Tier 1 risk-based capital ratio | 13.0574% | 4,268 |
| Total risk-based capital ratio | 13.6948% | 4,562 |
| Memoranda: | ||
| Average total assets | $155,974,800 | 3,486 |
| Average earning assets | $143,274,200 | 3,494 |
| Average equity | $16,214,600 | 3,642 |
| Average total loans | $86,317,200 | 3,666 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3087% | 5,391 |
| Cost of funding earning assets | 0.2838% | 4,521 |
| Net interest margin | 3.0249% | 5,138 |
| Noninterest income to average assets | 0.8595% | 1,585 |
| Noninterest expense to average assets | 2.5301% | 4,104 |
| Loan and lease loss provision to assets | 0.0848% | 2,474 |
| Net operating income to assets | 1.0273% | 2,343 |
| Return on assets (ROA) | 1.0273% | 2,430 |
| Pretax return on assets | 1.0273% | 3,513 |
| Return on Equity (ROE) | 10.0097% | 2,100 |
| Retained earnings to average equity (ytd only) | 4.7488% | 3,091 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4671% | 3,300 |
| Assets per employee ($millions) | 4.2210% | 3,477 |
| Cash dividends to net income (ytd only)* | 52.5576% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 5,404 |
| Loan loss allowance to noncurrent loans | 140.5904% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 4,388 |
| Noncurrent loans to loans | 0.5978% | 3,530 |
| Net loans and leases to total assets | 57.5671% | 4,193 |
| Net loans and leases to deposits | 69.6530% | 4,027 |
| Net loans and leases to core deposits | 70.8401% | 4,288 |
| Total domestic deposits to total assets | 82.6484% | 3,940 |
| Equity capital to assets | 10.5189% | 3,583 |
| Core capital (leverage) ratio | 9.2146% | 4,709 |
| Tier 1 risk-based capital ratio | 12.3355% | 4,864 |
| Total risk-based capital ratio | 12.9981% | 5,159 |
| Memoranda: | ||
| Average total assets | $157,302,250 | 3,503 |
| Average earning assets | $144,706,500 | 3,510 |
| Average equity | $16,144,000 | 3,687 |
| Average total loans | $85,817,500 | 3,715 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2657% | 5,505 |
| Cost of funding earning assets | 0.2924% | 4,474 |
| Net interest margin | 2.9734% | 5,282 |
| Noninterest income to average assets | 0.8562% | 1,585 |
| Noninterest expense to average assets | 2.5203% | 4,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0705% | 2,053 |
| Return on assets (ROA) | 1.0705% | 2,156 |
| Pretax return on assets | 1.0705% | 3,299 |
| Return on Equity (ROE) | 10.5176% | 1,842 |
| Retained earnings to average equity (ytd only) | 5.1716% | 2,751 |
| Net charge-offs to loans | -0.0048% | 4,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1872% | 3,297 |
| Assets per employee ($millions) | 4.2315% | 3,413 |
| Cash dividends to net income (ytd only)* | 50.8294% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7653% | 5,682 |
| Loan loss allowance to noncurrent loans | 130.4519% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 4,546 |
| Noncurrent loans to loans | 0.5867% | 3,697 |
| Net loans and leases to total assets | 54.9912% | 4,457 |
| Net loans and leases to deposits | 66.4703% | 4,294 |
| Net loans and leases to core deposits | 67.5917% | 4,525 |
| Total domestic deposits to total assets | 82.7305% | 4,055 |
| Equity capital to assets | 10.3516% | 3,616 |
| Core capital (leverage) ratio | 8.9189% | 5,069 |
| Tier 1 risk-based capital ratio | 12.7614% | 4,649 |
| Total risk-based capital ratio | 13.3655% | 4,966 |
| Memoranda: | ||
| Average total assets | $157,677,670 | 3,524 |
| Average earning assets | $145,021,000 | 3,525 |
| Average equity | $16,049,330 | 3,715 |
| Average total loans | $84,200,670 | 3,779 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2250% | 5,608 |
| Cost of funding earning assets | 0.2934% | 4,515 |
| Net interest margin | 2.9316% | 5,381 |
| Noninterest income to average assets | 0.7862% | 1,760 |
| Noninterest expense to average assets | 2.4748% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0137% | 2,202 |
| Return on assets (ROA) | 1.0137% | 2,335 |
| Pretax return on assets | 1.0137% | 3,441 |
| Return on Equity (ROE) | 10.0435% | 1,985 |
| Retained earnings to average equity (ytd only) | 4.8339% | 3,158 |
| Net charge-offs to loans | -0.0048% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9420% | 3,328 |
| Assets per employee ($millions) | 4.4547% | 3,123 |
| Cash dividends to net income (ytd only)* | 51.8703% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 5,727 |
| Loan loss allowance to noncurrent loans | 313.7441% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 5,397 |
| Noncurrent loans to loans | 0.2508% | 4,888 |
| Net loans and leases to total assets | 52.0440% | 4,662 |
| Net loans and leases to deposits | 63.3380% | 4,448 |
| Net loans and leases to core deposits | 64.3895% | 4,662 |
| Total domestic deposits to total assets | 82.1687% | 4,464 |
| Equity capital to assets | 10.0081% | 4,138 |
| Core capital (leverage) ratio | 8.7647% | 5,245 |
| Tier 1 risk-based capital ratio | 13.7678% | 4,172 |
| Total risk-based capital ratio | 14.4281% | 4,424 |
| Memoranda: | ||
| Average total assets | $158,234,000 | 3,532 |
| Average earning assets | $145,859,500 | 3,537 |
| Average equity | $15,970,500 | 3,751 |
| Average total loans | $82,920,500 | 3,819 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1722% | 5,869 |
| Cost of funding earning assets | 0.3541% | 4,210 |
| Net interest margin | 2.8182% | 5,775 |
| Noninterest income to average assets | 0.7889% | 1,913 |
| Noninterest expense to average assets | 2.4651% | 4,654 |
| Loan and lease loss provision to assets | 0.0631% | 3,255 |
| Net operating income to assets | 0.8409% | 3,169 |
| Return on assets (ROA) | 0.8066% | 3,434 |
| Pretax return on assets | 0.8160% | 4,203 |
| Return on Equity (ROE) | 8.4971% | 2,842 |
| Retained earnings to average equity (ytd only) | 3.5211% | 3,714 |
| Net charge-offs to loans | 0.1001% | 3,076 |
| Credit loss provision to net charge-offs | 129.8701% | 1,837 |
| Earnings coverage of net charge-offs (x) | 18.8182% | 1,820 |
| Efficiency ratio | 72.9563% | 3,044 |
| Assets per employee ($millions) | 4.3361% | 3,293 |
| Cash dividends to net income (ytd only)* | 58.5614% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 5,749 |
| Loan loss allowance to noncurrent loans | 564.9573% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 5,695 |
| Noncurrent loans to loans | 0.1432% | 5,318 |
| Net loans and leases to total assets | 51.9257% | 4,796 |
| Net loans and leases to deposits | 63.1343% | 4,618 |
| Net loans and leases to core deposits | 64.2030% | 4,811 |
| Total domestic deposits to total assets | 82.2464% | 4,328 |
| Equity capital to assets | 10.1801% | 3,882 |
| Core capital (leverage) ratio | 8.7884% | 5,254 |
| Tier 1 risk-based capital ratio | 13.3488% | 4,512 |
| Total risk-based capital ratio | 13.9978% | 4,797 |
| Memoranda: | ||
| Average total assets | $158,573,800 | 3,508 |
| Average earning assets | $145,733,800 | 3,512 |
| Average equity | $15,052,200 | 3,822 |
| Average total loans | $76,933,400 | 3,969 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1456% | 5,961 |
| Cost of funding earning assets | 0.3644% | 4,191 |
| Net interest margin | 2.7812% | 5,895 |
| Noninterest income to average assets | 0.7722% | 2,008 |
| Noninterest expense to average assets | 2.4331% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8962% | 2,925 |
| Return on assets (ROA) | 0.8501% | 3,269 |
| Pretax return on assets | 0.8501% | 4,177 |
| Return on Equity (ROE) | 9.1177% | 2,618 |
| Retained earnings to average equity (ytd only) | 3.4045% | 4,199 |
| Net charge-offs to loans | 0.0176% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 107.0240% | 558 |
| Efficiency ratio | 73.0818% | 2,975 |
| Assets per employee ($millions) | 4.5723% | 2,849 |
| Cash dividends to net income (ytd only)* | 62.6602% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 5,826 |
| Loan loss allowance to noncurrent loans | 312.4378% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 5,642 |
| Noncurrent loans to loans | 0.2624% | 5,123 |
| Net loans and leases to total assets | 47.4686% | 5,248 |
| Net loans and leases to deposits | 55.4377% | 5,281 |
| Net loans and leases to core deposits | 56.3159% | 5,430 |
| Total domestic deposits to total assets | 85.6252% | 3,059 |
| Equity capital to assets | 9.7357% | 4,504 |
| Core capital (leverage) ratio | 8.4388% | 5,717 |
| Tier 1 risk-based capital ratio | 13.8730% | 4,310 |
| Total risk-based capital ratio | 14.5210% | 4,624 |
| Memoranda: | ||
| Average total assets | $159,192,750 | 3,528 |
| Average earning assets | $146,357,250 | 3,529 |
| Average equity | $14,842,500 | 3,886 |
| Average total loans | $75,737,750 | 4,041 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1331% | 6,022 |
| Cost of funding earning assets | 0.3711% | 4,196 |
| Net interest margin | 2.7620% | 5,970 |
| Noninterest income to average assets | 0.7111% | 2,222 |
| Noninterest expense to average assets | 2.4667% | 4,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7828% | 3,409 |
| Return on assets (ROA) | 0.7362% | 3,735 |
| Pretax return on assets | 0.7362% | 4,511 |
| Return on Equity (ROE) | 8.0155% | 3,086 |
| Retained earnings to average equity (ytd only) | 2.1512% | 4,820 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9101% | 2,657 |
| Assets per employee ($millions) | 4.4977% | 2,928 |
| Cash dividends to net income (ytd only)* | 73.1624% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8403% | 5,887 |
| Loan loss allowance to noncurrent loans | 462.3188% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 5,874 |
| Noncurrent loans to loans | 0.1818% | 5,467 |
| Net loans and leases to total assets | 46.4982% | 5,316 |
| Net loans and leases to deposits | 54.5957% | 5,315 |
| Net loans and leases to core deposits | 55.6938% | 5,434 |
| Total domestic deposits to total assets | 85.1682% | 3,426 |
| Equity capital to assets | 9.4265% | 4,816 |
| Core capital (leverage) ratio | 8.2068% | 5,926 |
| Tier 1 risk-based capital ratio | 13.4541% | 4,616 |
| Total risk-based capital ratio | 14.1033% | 4,943 |
| Memoranda: | ||
| Average total assets | $158,913,670 | 3,553 |
| Average earning assets | $146,051,670 | 3,563 |
| Average equity | $14,596,670 | 3,931 |
| Average total loans | $75,453,000 | 4,062 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0970% | 6,128 |
| Cost of funding earning assets | 0.3795% | 4,204 |
| Net interest margin | 2.7175% | 6,090 |
| Noninterest income to average assets | 0.7293% | 2,034 |
| Noninterest expense to average assets | 2.3886% | 4,960 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8335% | 2,991 |
| Return on assets (ROA) | 0.7395% | 3,569 |
| Pretax return on assets | 0.7395% | 4,351 |
| Return on Equity (ROE) | 8.1607% | 2,859 |
| Retained earnings to average equity (ytd only) | 2.3276% | 4,669 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1325% | 3,116 |
| Assets per employee ($millions) | 4.4627% | 3,039 |
| Cash dividends to net income (ytd only)* | 71.4777% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 5,972 |
| Loan loss allowance to noncurrent loans | 370.9302% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 5,858 |
| Noncurrent loans to loans | 0.2327% | 5,405 |
| Net loans and leases to total assets | 45.6199% | 5,369 |
| Net loans and leases to deposits | 53.6325% | 5,319 |
| Net loans and leases to core deposits | 54.7212% | 5,451 |
| Total domestic deposits to total assets | 85.0602% | 3,838 |
| Equity capital to assets | 9.0901% | 5,012 |
| Core capital (leverage) ratio | 8.3394% | 5,808 |
| Tier 1 risk-based capital ratio | 13.8456% | 4,438 |
| Total risk-based capital ratio | 14.5176% | 4,778 |
| Memoranda: | ||
| Average total assets | $157,412,500 | 3,598 |
| Average earning assets | $144,397,500 | 3,616 |
| Average equity | $14,263,500 | 3,994 |
| Average total loans | $75,216,500 | 4,093 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0648% | 6,275 |
| Cost of funding earning assets | 0.4296% | 4,321 |
| Net interest margin | 2.6353% | 6,220 |
| Noninterest income to average assets | 0.8034% | 2,070 |
| Noninterest expense to average assets | 2.2949% | 5,400 |
| Loan and lease loss provision to assets | 0.0313% | 4,486 |
| Net operating income to assets | 0.8658% | 2,944 |
| Return on assets (ROA) | 0.7182% | 3,791 |
| Pretax return on assets | 0.7232% | 4,448 |
| Return on Equity (ROE) | 7.7845% | 3,152 |
| Retained earnings to average equity (ytd only) | 2.6831% | 4,328 |
| Net charge-offs to loans | 0.0837% | 4,040 |
| Credit loss provision to net charge-offs | 83.3333% | 2,941 |
| Earnings coverage of net charge-offs (x) | 24.0333% | 1,385 |
| Efficiency ratio | 71.7476% | 3,522 |
| Assets per employee ($millions) | 4.1667% | 3,510 |
| Cash dividends to net income (ytd only)* | 65.5323% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 6,094 |
| Loan loss allowance to noncurrent loans | 398.7500% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 5,936 |
| Noncurrent loans to loans | 0.2091% | 5,555 |
| Net loans and leases to total assets | 49.2096% | 5,174 |
| Net loans and leases to deposits | 57.1725% | 5,193 |
| Net loans and leases to core deposits | 58.3604% | 5,361 |
| Total domestic deposits to total assets | 86.0722% | 3,224 |
| Equity capital to assets | 9.0311% | 5,000 |
| Core capital (leverage) ratio | 8.3317% | 5,844 |
| Tier 1 risk-based capital ratio | 13.0796% | 4,921 |
| Total risk-based capital ratio | 13.7183% | 5,260 |
| Memoranda: | ||
| Average total assets | $159,573,000 | 3,567 |
| Average earning assets | $145,033,000 | 3,587 |
| Average equity | $14,721,600 | 3,915 |
| Average total loans | $71,645,600 | 4,197 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0170% | 6,407 |
| Cost of funding earning assets | 0.4356% | 4,447 |
| Net interest margin | 2.5815% | 6,338 |
| Noninterest income to average assets | 0.8575% | 1,906 |
| Noninterest expense to average assets | 2.2685% | 5,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9362% | 2,655 |
| Return on assets (ROA) | 0.8890% | 3,005 |
| Pretax return on assets | 0.8890% | 3,934 |
| Return on Equity (ROE) | 9.5879% | 2,358 |
| Retained earnings to average equity (ytd only) | 3.8870% | 3,924 |
| Net charge-offs to loans | 0.0871% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 24.5660% | 1,417 |
| Efficiency ratio | 70.7859% | 3,631 |
| Assets per employee ($millions) | 4.3625% | 3,115 |
| Cash dividends to net income (ytd only)* | 59.4598% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 6,189 |
| Loan loss allowance to noncurrent loans | 293.6585% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 5,625 |
| Noncurrent loans to loans | 0.2884% | 5,508 |
| Net loans and leases to total assets | 43.6653% | 5,754 |
| Net loans and leases to deposits | 50.8653% | 5,782 |
| Net loans and leases to core deposits | 52.1622% | 5,881 |
| Total domestic deposits to total assets | 85.8449% | 3,342 |
| Equity capital to assets | 8.6592% | 5,557 |
| Core capital (leverage) ratio | 8.0739% | 6,173 |
| Tier 1 risk-based capital ratio | 13.9530% | 4,468 |
| Total risk-based capital ratio | 14.5941% | 4,808 |
| Memoranda: | ||
| Average total assets | $160,924,500 | 3,584 |
| Average earning assets | $146,321,500 | 3,600 |
| Average equity | $14,921,250 | 3,931 |
| Average total loans | $70,431,250 | 4,286 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0624% | 6,385 |
| Cost of funding earning assets | 0.4459% | 4,473 |
| Net interest margin | 2.6165% | 6,317 |
| Noninterest income to average assets | 0.9828% | 1,575 |
| Noninterest expense to average assets | 2.2667% | 5,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0811% | 1,989 |
| Return on assets (ROA) | 1.0811% | 2,104 |
| Pretax return on assets | 1.0811% | 3,167 |
| Return on Equity (ROE) | 11.4072% | 1,679 |
| Retained earnings to average equity (ytd only) | 5.7627% | 2,578 |
| Net charge-offs to loans | 0.0342% | 4,208 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 72.4167% | 619 |
| Efficiency ratio | 67.7072% | 4,233 |
| Assets per employee ($millions) | 4.4027% | 2,980 |
| Cash dividends to net income (ytd only)* | 49.4822% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 6,059 |
| Loan loss allowance to noncurrent loans | 162.2449% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 5,140 |
| Noncurrent loans to loans | 0.5719% | 4,830 |
| Net loans and leases to total assets | 41.6851% | 5,920 |
| Net loans and leases to deposits | 49.4747% | 5,884 |
| Net loans and leases to core deposits | 51.0921% | 5,954 |
| Total domestic deposits to total assets | 84.2554% | 4,218 |
| Equity capital to assets | 9.2320% | 4,947 |
| Core capital (leverage) ratio | 8.1362% | 6,072 |
| Tier 1 risk-based capital ratio | 14.4495% | 4,132 |
| Total risk-based capital ratio | 15.1508% | 4,461 |
| Memoranda: | ||
| Average total assets | $160,762,000 | 3,597 |
| Average earning assets | $145,310,330 | 3,641 |
| Average equity | $15,236,000 | 3,902 |
| Average total loans | $70,214,000 | 4,303 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0911% | 6,408 |
| Cost of funding earning assets | 0.4575% | 4,508 |
| Net interest margin | 2.6336% | 6,323 |
| Noninterest income to average assets | 0.7865% | 2,183 |
| Noninterest expense to average assets | 2.2643% | 5,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8867% | 2,714 |
| Return on assets (ROA) | 0.8867% | 2,858 |
| Pretax return on assets | 0.8867% | 3,809 |
| Return on Equity (ROE) | 9.2341% | 2,385 |
| Retained earnings to average equity (ytd only) | 3.7302% | 3,994 |
| Net charge-offs to loans | -0.0056% | 5,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8601% | 3,641 |
| Assets per employee ($millions) | 4.5262% | 2,924 |
| Cash dividends to net income (ytd only)* | 59.6045% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 6,118 |
| Loan loss allowance to noncurrent loans | 139.5699% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 5,106 |
| Noncurrent loans to loans | 0.6847% | 4,759 |
| Net loans and leases to total assets | 41.2789% | 5,893 |
| Net loans and leases to deposits | 50.1222% | 5,777 |
| Net loans and leases to core deposits | 52.1706% | 5,808 |
| Total domestic deposits to total assets | 82.3564% | 5,073 |
| Equity capital to assets | 9.4266% | 4,961 |
| Core capital (leverage) ratio | 8.0944% | 6,051 |
| Tier 1 risk-based capital ratio | 13.8673% | 4,599 |
| Total risk-based capital ratio | 14.5700% | 4,949 |
| Memoranda: | ||
| Average total assets | $159,693,000 | 3,654 |
| Average earning assets | $143,380,000 | 3,707 |
| Average equity | $15,334,500 | 3,939 |
| Average total loans | $71,050,500 | 4,308 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5188% | 6,342 |
| Cost of funding earning assets | 0.5711% | 4,628 |
| Net interest margin | 2.9477% | 6,140 |
| Noninterest income to average assets | 0.8171% | 2,189 |
| Noninterest expense to average assets | 2.3183% | 5,642 |
| Loan and lease loss provision to assets | 0.1043% | 4,335 |
| Net operating income to assets | 0.9841% | 2,408 |
| Return on assets (ROA) | 0.9841% | 2,630 |
| Pretax return on assets | 0.9969% | 3,559 |
| Return on Equity (ROE) | 10.3364% | 2,034 |
| Retained earnings to average equity (ytd only) | 5.3362% | 2,477 |
| Net charge-offs to loans | 0.1940% | 3,824 |
| Credit loss provision to net charge-offs | 117.2662% | 2,458 |
| Earnings coverage of net charge-offs (x) | 12.3813% | 1,932 |
| Efficiency ratio | 67.7957% | 4,186 |
| Assets per employee ($millions) | 4.3456% | 3,266 |
| Cash dividends to net income (ytd only)* | 48.3745% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 6,336 |
| Loan loss allowance to noncurrent loans | 91.7847% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 4,770 |
| Noncurrent loans to loans | 0.9516% | 4,291 |
| Net loans and leases to total assets | 47.0095% | 5,509 |
| Net loans and leases to deposits | 56.6784% | 5,370 |
| Net loans and leases to core deposits | 58.7137% | 5,478 |
| Total domestic deposits to total assets | 82.9408% | 4,745 |
| Equity capital to assets | 9.7857% | 4,470 |
| Core capital (leverage) ratio | 8.2175% | 5,980 |
| Tier 1 risk-based capital ratio | 12.8490% | 5,216 |
| Total risk-based capital ratio | 13.5063% | 5,584 |
| Memoranda: | ||
| Average total assets | $156,281,200 | 3,679 |
| Average earning assets | $137,971,400 | 3,755 |
| Average equity | $14,879,400 | 3,991 |
| Average total loans | $71,664,600 | 4,296 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5808% | 6,416 |
| Cost of funding earning assets | 0.5913% | 4,735 |
| Net interest margin | 2.9895% | 6,191 |
| Noninterest income to average assets | 0.8115% | 2,186 |
| Noninterest expense to average assets | 2.3109% | 5,659 |
| Loan and lease loss provision to assets | 0.1391% | 3,803 |
| Net operating income to assets | 0.9976% | 2,521 |
| Return on assets (ROA) | 0.9976% | 2,743 |
| Pretax return on assets | 0.9976% | 3,724 |
| Return on Equity (ROE) | 10.5512% | 2,115 |
| Retained earnings to average equity (ytd only) | 4.8469% | 3,476 |
| Net charge-offs to loans | 0.2496% | 3,224 |
| Credit loss provision to net charge-offs | 122.5564% | 2,360 |
| Earnings coverage of net charge-offs (x) | 10.0150% | 2,236 |
| Efficiency ratio | 67.0297% | 4,242 |
| Assets per employee ($millions) | 4.3893% | 3,090 |
| Cash dividends to net income (ytd only)* | 54.0635% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 6,229 |
| Loan loss allowance to noncurrent loans | 50.8949% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 1.0043% | 4,275 |
| Noncurrent loans to loans | 1.8786% | 2,982 |
| Net loans and leases to total assets | 42.8750% | 6,050 |
| Net loans and leases to deposits | 51.1182% | 6,032 |
| Net loans and leases to core deposits | 53.3718% | 6,091 |
| Total domestic deposits to total assets | 83.8741% | 4,283 |
| Equity capital to assets | 9.5233% | 5,173 |
| Core capital (leverage) ratio | 7.9431% | 6,372 |
| Tier 1 risk-based capital ratio | 13.4887% | 4,885 |
| Total risk-based capital ratio | 14.1997% | 5,257 |
| Memoranda: | ||
| Average total assets | $156,240,750 | 3,716 |
| Average earning assets | $137,767,500 | 3,796 |
| Average equity | $14,772,000 | 4,051 |
| Average total loans | $71,033,000 | 4,362 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 6,373 |
| Cost of funding earning assets | 0.6113% | 4,799 |
| Net interest margin | 3.0653% | 6,086 |
| Noninterest income to average assets | 0.8725% | 1,883 |
| Noninterest expense to average assets | 2.3155% | 5,688 |
| Loan and lease loss provision to assets | 0.0488% | 5,066 |
| Net operating income to assets | 1.2143% | 1,663 |
| Return on assets (ROA) | 1.2143% | 1,863 |
| Pretax return on assets | 1.2143% | 2,865 |
| Return on Equity (ROE) | 12.8747% | 1,394 |
| Retained earnings to average equity (ytd only) | 7.0981% | 2,047 |
| Net charge-offs to loans | 0.0473% | 4,733 |
| Credit loss provision to net charge-offs | 223.5294% | 1,271 |
| Earnings coverage of net charge-offs (x) | 57.8235% | 655 |
| Efficiency ratio | 64.7038% | 4,766 |
| Assets per employee ($millions) | 4.2512% | 3,359 |
| Cash dividends to net income (ytd only)* | 44.8677% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 6,323 |
| Loan loss allowance to noncurrent loans | 140.5229% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 5,605 |
| Noncurrent loans to loans | 0.6767% | 5,149 |
| Net loans and leases to total assets | 42.7133% | 6,129 |
| Net loans and leases to deposits | 51.2350% | 6,083 |
| Net loans and leases to core deposits | 53.1733% | 6,149 |
| Total domestic deposits to total assets | 83.3673% | 4,593 |
| Equity capital to assets | 9.5491% | 4,990 |
| Core capital (leverage) ratio | 7.8986% | 6,370 |
| Tier 1 risk-based capital ratio | 13.8324% | 4,576 |
| Total risk-based capital ratio | 14.5523% | 4,933 |
| Memoranda: | ||
| Average total assets | $155,650,000 | 3,744 |
| Average earning assets | $137,408,670 | 3,822 |
| Average equity | $14,680,000 | 4,053 |
| Average total loans | $71,910,000 | 4,356 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 6,443 |
| Cost of funding earning assets | 0.6329% | 4,868 |
| Net interest margin | 3.0648% | 6,143 |
| Noninterest income to average assets | 0.8526% | 1,937 |
| Noninterest expense to average assets | 2.2735% | 5,843 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2814% | 1,498 |
| Return on assets (ROA) | 1.2814% | 1,676 |
| Pretax return on assets | 1.2814% | 2,603 |
| Return on Equity (ROE) | 13.6733% | 1,261 |
| Retained earnings to average equity (ytd only) | 7.9394% | 2,004 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9535% | 4,932 |
| Assets per employee ($millions) | 4.2766% | 3,445 |
| Cash dividends to net income (ytd only)* | 41.9355% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 6,525 |
| Loan loss allowance to noncurrent loans | 125.0501% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.5865% | 5,426 |
| Noncurrent loans to loans | 0.7226% | 5,215 |
| Net loans and leases to total assets | 43.2477% | 6,077 |
| Net loans and leases to deposits | 51.8998% | 5,977 |
| Net loans and leases to core deposits | 53.8491% | 6,068 |
| Total domestic deposits to total assets | 83.3292% | 4,802 |
| Equity capital to assets | 9.2862% | 5,108 |
| Core capital (leverage) ratio | 7.9346% | 6,308 |
| Tier 1 risk-based capital ratio | 13.3541% | 4,929 |
| Total risk-based capital ratio | 14.0393% | 5,354 |
| Memoranda: | ||
| Average total assets | $154,828,500 | 3,786 |
| Average earning assets | $136,519,000 | 3,873 |
| Average equity | $14,510,000 | 4,093 |
| Average total loans | $73,950,000 | 4,318 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 6,229 |
| Cost of funding earning assets | 0.8171% | 4,731 |
| Net interest margin | 3.3074% | 5,789 |
| Noninterest income to average assets | 0.7551% | 2,311 |
| Noninterest expense to average assets | 2.4985% | 5,471 |
| Loan and lease loss provision to assets | 0.1815% | 4,379 |
| Net operating income to assets | 0.9577% | 2,376 |
| Return on assets (ROA) | 0.9604% | 2,492 |
| Pretax return on assets | 0.9719% | 3,344 |
| Return on Equity (ROE) | 9.8435% | 2,109 |
| Retained earnings to average equity (ytd only) | -0.2369% | 5,895 |
| Net charge-offs to loans | 0.4025% | 3,405 |
| Credit loss provision to net charge-offs | 86.9707% | 4,150 |
| Earnings coverage of net charge-offs (x) | 5.5147% | 2,764 |
| Efficiency ratio | 68.4671% | 4,262 |
| Assets per employee ($millions) | 4.0925% | 3,661 |
| Cash dividends to net income (ytd only)* | 102.4062% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7914% | 6,763 |
| Loan loss allowance to noncurrent loans | 227.7372% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 5,549 |
| Noncurrent loans to loans | 0.3475% | 6,035 |
| Net loans and leases to total assets | 51.6563% | 5,368 |
| Net loans and leases to deposits | 60.6391% | 5,421 |
| Net loans and leases to core deposits | 63.1124% | 5,550 |
| Total domestic deposits to total assets | 85.1864% | 3,749 |
| Equity capital to assets | 9.4610% | 4,944 |
| Core capital (leverage) ratio | 8.0972% | 6,145 |
| Tier 1 risk-based capital ratio | 12.0031% | 5,836 |
| Total risk-based capital ratio | 12.6338% | 6,224 |
| Memoranda: | ||
| Average total assets | $147,128,800 | 3,852 |
| Average earning assets | $128,742,400 | 3,956 |
| Average equity | $14,354,600 | 4,037 |
| Average total loans | $76,275,000 | 4,259 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 6,331 |
| Cost of funding earning assets | 0.8647% | 4,665 |
| Net interest margin | 3.2750% | 5,934 |
| Noninterest income to average assets | 0.7686% | 2,202 |
| Noninterest expense to average assets | 2.5305% | 5,349 |
| Loan and lease loss provision to assets | 0.0456% | 5,872 |
| Net operating income to assets | 1.0690% | 2,076 |
| Return on assets (ROA) | 1.0726% | 2,212 |
| Pretax return on assets | 1.0726% | 3,120 |
| Return on Equity (ROE) | 10.9084% | 1,894 |
| Retained earnings to average equity (ytd only) | 2.5809% | 4,819 |
| Net charge-offs to loans | 0.1516% | 4,556 |
| Credit loss provision to net charge-offs | 58.1395% | 4,847 |
| Earnings coverage of net charge-offs (x) | 14.1982% | 1,551 |
| Efficiency ratio | 69.4215% | 4,052 |
| Assets per employee ($millions) | 3.9509% | 3,954 |
| Cash dividends to net income (ytd only)* | 76.3403% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 6,725 |
| Loan loss allowance to noncurrent loans | 122.4172% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.6560% | 5,499 |
| Noncurrent loans to loans | 0.6936% | 5,500 |
| Net loans and leases to total assets | 50.1659% | 5,685 |
| Net loans and leases to deposits | 59.0479% | 5,741 |
| Net loans and leases to core deposits | 60.6487% | 5,932 |
| Total domestic deposits to total assets | 84.9579% | 3,779 |
| Equity capital to assets | 10.1455% | 4,160 |
| Core capital (leverage) ratio | 8.4231% | 5,819 |
| Tier 1 risk-based capital ratio | 12.7653% | 5,278 |
| Total risk-based capital ratio | 13.4231% | 5,749 |
| Memoranda: | ||
| Average total assets | $146,055,500 | 3,890 |
| Average earning assets | $128,282,000 | 3,988 |
| Average equity | $14,361,750 | 4,060 |
| Average total loans | $75,633,000 | 4,329 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1185% | 6,449 |
| Cost of funding earning assets | 0.9066% | 4,608 |
| Net interest margin | 3.2119% | 6,121 |
| Noninterest income to average assets | 0.7698% | 2,159 |
| Noninterest expense to average assets | 2.5751% | 5,279 |
| Loan and lease loss provision to assets | 0.0685% | 5,449 |
| Net operating income to assets | 0.9506% | 2,433 |
| Return on assets (ROA) | 0.9506% | 2,525 |
| Pretax return on assets | 0.9506% | 3,427 |
| Return on Equity (ROE) | 9.7710% | 2,200 |
| Retained earnings to average equity (ytd only) | 0.1267% | 5,786 |
| Net charge-offs to loans | 0.2258% | 3,771 |
| Credit loss provision to net charge-offs | 58.1395% | 4,384 |
| Earnings coverage of net charge-offs (x) | 8.6512% | 2,025 |
| Efficiency ratio | 71.6463% | 3,809 |
| Assets per employee ($millions) | 3.9799% | 3,792 |
| Cash dividends to net income (ytd only)* | 98.7032% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 6,786 |
| Loan loss allowance to noncurrent loans | 130.2905% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 5,159 |
| Noncurrent loans to loans | 0.6487% | 5,624 |
| Net loans and leases to total assets | 50.0306% | 5,817 |
| Net loans and leases to deposits | 60.6997% | 5,651 |
| Net loans and leases to core deposits | 61.6748% | 5,925 |
| Total domestic deposits to total assets | 82.4231% | 5,013 |
| Equity capital to assets | 9.8257% | 4,362 |
| Core capital (leverage) ratio | 8.2613% | 5,928 |
| Tier 1 risk-based capital ratio | 12.3297% | 5,495 |
| Total risk-based capital ratio | 12.9795% | 5,989 |
| Memoranda: | ||
| Average total assets | $146,013,000 | 3,922 |
| Average earning assets | $128,397,330 | 4,025 |
| Average equity | $14,205,330 | 4,085 |
| Average total loans | $76,190,000 | 4,342 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 6,251 |
| Cost of funding earning assets | 0.9496% | 4,571 |
| Net interest margin | 3.2657% | 5,889 |
| Noninterest income to average assets | 0.7703% | 2,155 |
| Noninterest expense to average assets | 2.4678% | 5,680 |
| Loan and lease loss provision to assets | 0.1376% | 4,290 |
| Net operating income to assets | 1.0317% | 2,067 |
| Return on assets (ROA) | 1.0317% | 2,114 |
| Pretax return on assets | 1.0317% | 3,014 |
| Return on Equity (ROE) | 10.6583% | 1,853 |
| Retained earnings to average equity (ytd only) | 4.2918% | 3,595 |
| Net charge-offs to loans | 0.4408% | 2,376 |
| Credit loss provision to net charge-offs | 58.8235% | 3,563 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,351 |
| Efficiency ratio | 67.8517% | 4,684 |
| Assets per employee ($millions) | 3.9328% | 3,983 |
| Cash dividends to net income (ytd only)* | 59.7333% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8369% | 6,847 |
| Loan loss allowance to noncurrent loans | 108.0756% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 1.0123% | 4,881 |
| Noncurrent loans to loans | 0.7744% | 5,484 |
| Net loans and leases to total assets | 51.2171% | 5,685 |
| Net loans and leases to deposits | 62.7029% | 5,421 |
| Net loans and leases to core deposits | 63.7307% | 5,760 |
| Total domestic deposits to total assets | 81.6822% | 5,430 |
| Equity capital to assets | 9.7874% | 4,049 |
| Core capital (leverage) ratio | 8.4431% | 5,556 |
| Tier 1 risk-based capital ratio | 12.5012% | 5,265 |
| Total risk-based capital ratio | 13.1533% | 5,771 |
| Memoranda: | ||
| Average total assets | $145,391,500 | 3,971 |
| Average earning assets | $127,631,500 | 4,070 |
| Average equity | $14,073,500 | 4,097 |
| Average total loans | $77,134,500 | 4,354 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4771% | 6,453 |
| Cost of funding earning assets | 1.1574% | 4,805 |
| Net interest margin | 3.3197% | 5,911 |
| Noninterest income to average assets | 0.9293% | 1,742 |
| Noninterest expense to average assets | 2.6402% | 5,263 |
| Loan and lease loss provision to assets | 0.2429% | 4,863 |
| Net operating income to assets | 0.9363% | 2,252 |
| Return on assets (ROA) | 0.9363% | 2,384 |
| Pretax return on assets | 0.9467% | 3,113 |
| Return on Equity (ROE) | 9.8513% | 1,985 |
| Retained earnings to average equity (ytd only) | 5.0827% | 2,364 |
| Net charge-offs to loans | 0.3650% | 4,200 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 6.1214% | 2,434 |
| Efficiency ratio | 68.9380% | 4,384 |
| Assets per employee ($millions) | 4.0353% | 3,708 |
| Cash dividends to net income (ytd only)* | 48.4062% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8393% | 6,884 |
| Loan loss allowance to noncurrent loans | 187.5706% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 5,295 |
| Noncurrent loans to loans | 0.4475% | 6,146 |
| Net loans and leases to total assets | 54.0019% | 5,632 |
| Net loans and leases to deposits | 64.5519% | 5,566 |
| Net loans and leases to core deposits | 66.5169% | 5,827 |
| Total domestic deposits to total assets | 83.6565% | 4,522 |
| Equity capital to assets | 9.5719% | 4,310 |
| Core capital (leverage) ratio | 8.1565% | 5,902 |
| Tier 1 risk-based capital ratio | 11.6573% | 5,766 |
| Total risk-based capital ratio | 12.3074% | 6,259 |
| Memoranda: | ||
| Average total assets | $144,081,800 | 3,982 |
| Average earning assets | $125,884,600 | 4,104 |
| Average equity | $13,693,600 | 4,215 |
| Average total loans | $76,712,200 | 4,430 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 6,547 |
| Cost of funding earning assets | 1.1828% | 4,968 |
| Net interest margin | 3.3419% | 5,873 |
| Noninterest income to average assets | 0.9152% | 1,740 |
| Noninterest expense to average assets | 2.6761% | 4,978 |
| Loan and lease loss provision to assets | 0.2782% | 4,354 |
| Net operating income to assets | 0.8874% | 2,659 |
| Return on assets (ROA) | 0.8874% | 2,802 |
| Pretax return on assets | 0.8874% | 3,599 |
| Return on Equity (ROE) | 9.3541% | 2,368 |
| Retained earnings to average equity (ytd only) | 2.9714% | 4,356 |
| Net charge-offs to loans | 0.4782% | 3,364 |
| Credit loss provision to net charge-offs | 109.8901% | 3,862 |
| Earnings coverage of net charge-offs (x) | 4.6044% | 2,981 |
| Efficiency ratio | 69.6597% | 4,142 |
| Assets per employee ($millions) | 3.9195% | 3,990 |
| Cash dividends to net income (ytd only)* | 68.2336% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8235% | 6,951 |
| Loan loss allowance to noncurrent loans | 134.7072% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.9336% | 5,229 |
| Noncurrent loans to loans | 0.6113% | 5,985 |
| Net loans and leases to total assets | 51.5732% | 6,148 |
| Net loans and leases to deposits | 61.2887% | 6,186 |
| Net loans and leases to core deposits | 63.4447% | 6,341 |
| Total domestic deposits to total assets | 84.1480% | 4,032 |
| Equity capital to assets | 9.5750% | 4,735 |
| Core capital (leverage) ratio | 7.8257% | 6,547 |
| Tier 1 risk-based capital ratio | 11.6582% | 5,775 |
| Total risk-based capital ratio | 12.2869% | 6,323 |
| Memoranda: | ||
| Average total assets | $143,785,000 | 4,041 |
| Average earning assets | $125,914,750 | 4,162 |
| Average equity | $13,640,750 | 4,293 |
| Average total loans | $76,112,250 | 4,523 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 6,468 |
| Cost of funding earning assets | 1.1941% | 5,163 |
| Net interest margin | 3.4021% | 5,638 |
| Noninterest income to average assets | 0.8788% | 1,764 |
| Noninterest expense to average assets | 2.5416% | 5,561 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3141% | 1,271 |
| Return on assets (ROA) | 1.3141% | 1,342 |
| Pretax return on assets | 1.3141% | 2,044 |
| Return on Equity (ROE) | 13.8948% | 1,064 |
| Retained earnings to average equity (ytd only) | 7.4194% | 1,669 |
| Net charge-offs to loans | -0.0707% | 7,506 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9190% | 4,995 |
| Assets per employee ($millions) | 3.9234% | 3,924 |
| Cash dividends to net income (ytd only)* | 46.6030% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 6,973 |
| Loan loss allowance to noncurrent loans | 53.6733% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 1.2413% | 4,663 |
| Noncurrent loans to loans | 1.5369% | 4,411 |
| Net loans and leases to total assets | 51.4318% | 6,273 |
| Net loans and leases to deposits | 62.5116% | 6,182 |
| Net loans and leases to core deposits | 64.2901% | 6,379 |
| Total domestic deposits to total assets | 82.2756% | 4,877 |
| Equity capital to assets | 9.5607% | 4,615 |
| Core capital (leverage) ratio | 8.1883% | 5,958 |
| Tier 1 risk-based capital ratio | 11.8811% | 5,417 |
| Total risk-based capital ratio | 12.5108% | 5,970 |
| Memoranda: | ||
| Average total assets | $143,372,330 | 4,065 |
| Average earning assets | $125,452,670 | 4,196 |
| Average equity | $13,559,000 | 4,300 |
| Average total loans | $76,345,000 | 4,562 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 6,345 |
| Cost of funding earning assets | 1.2235% | 5,264 |
| Net interest margin | 3.4458% | 5,392 |
| Noninterest income to average assets | 0.8703% | 1,732 |
| Noninterest expense to average assets | 2.5633% | 5,502 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3195% | 1,260 |
| Return on assets (ROA) | 1.3195% | 1,330 |
| Pretax return on assets | 1.3195% | 2,006 |
| Return on Equity (ROE) | 14.0309% | 1,048 |
| Retained earnings to average equity (ytd only) | 7.4035% | 1,974 |
| Net charge-offs to loans | -0.1405% | 7,593 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0159% | 5,113 |
| Assets per employee ($millions) | 3.8470% | 4,213 |
| Cash dividends to net income (ytd only)* | 47.2340% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8194% | 7,078 |
| Loan loss allowance to noncurrent loans | 45.0326% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 1.4367% | 4,352 |
| Noncurrent loans to loans | 1.8195% | 4,033 |
| Net loans and leases to total assets | 52.8081% | 6,178 |
| Net loans and leases to deposits | 64.0471% | 6,048 |
| Net loans and leases to core deposits | 65.5553% | 6,325 |
| Total domestic deposits to total assets | 82.4519% | 4,870 |
| Equity capital to assets | 9.4949% | 4,541 |
| Core capital (leverage) ratio | 8.2331% | 5,862 |
| Tier 1 risk-based capital ratio | 11.6717% | 5,511 |
| Total risk-based capital ratio | 12.3040% | 6,080 |
| Memoranda: | ||
| Average total assets | $142,475,000 | 4,148 |
| Average earning assets | $124,556,500 | 4,268 |
| Average equity | $13,399,000 | 4,378 |
| Average total loans | $76,876,000 | 4,612 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 6,832 |
| Cost of funding earning assets | 1.7073% | 4,464 |
| Net interest margin | 3.1463% | 6,239 |
| Noninterest income to average assets | 0.8235% | 2,293 |
| Noninterest expense to average assets | 3.3482% | 2,843 |
| Loan and lease loss provision to assets | 0.5775% | 3,496 |
| Net operating income to assets | -0.2973% | 5,967 |
| Return on assets (ROA) | -0.2973% | 5,968 |
| Pretax return on assets | -0.3079% | 5,837 |
| Return on Equity (ROE) | -3.1414% | 6,005 |
| Retained earnings to average equity (ytd only) | -7.6581% | 6,304 |
| Net charge-offs to loans | 1.0663% | 2,280 |
| Credit loss provision to net charge-offs | 99.2665% | 5,617 |
| Earnings coverage of net charge-offs (x) | 0.4633% | 5,647 |
| Efficiency ratio | 92.5496% | 1,522 |
| Assets per employee ($millions) | 3.8543% | 4,134 |
| Cash dividends to net income (ytd only)* | -143.7799% | 7,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7619% | 7,224 |
| Loan loss allowance to noncurrent loans | 38.6467% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 4,601 |
| Noncurrent loans to loans | 1.9714% | 3,686 |
| Net loans and leases to total assets | 54.2529% | 6,175 |
| Net loans and leases to deposits | 63.4789% | 6,326 |
| Net loans and leases to core deposits | 72.9231% | 6,598 |
| Total domestic deposits to total assets | 85.4660% | 3,311 |
| Equity capital to assets | 9.3142% | 4,683 |
| Core capital (leverage) ratio | 8.0494% | 6,086 |
| Tier 1 risk-based capital ratio | 11.2477% | 5,668 |
| Total risk-based capital ratio | 11.8435% | 6,284 |
| Memoranda: | ||
| Average total assets | $140,610,800 | 4,111 |
| Average earning assets | $124,875,400 | 4,196 |
| Average equity | $13,306,200 | 4,432 |
| Average total loans | $76,714,800 | 4,629 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9149% | 6,848 |
| Cost of funding earning assets | 1.8031% | 4,368 |
| Net interest margin | 3.1117% | 6,280 |
| Noninterest income to average assets | 0.8460% | 2,220 |
| Noninterest expense to average assets | 3.4562% | 2,401 |
| Loan and lease loss provision to assets | 0.7727% | 2,441 |
| Net operating income to assets | -0.6043% | 6,528 |
| Return on assets (ROA) | -0.6043% | 6,529 |
| Pretax return on assets | -0.6043% | 6,397 |
| Return on Equity (ROE) | -6.3601% | 6,592 |
| Retained earnings to average equity (ytd only) | -12.3895% | 6,965 |
| Net charge-offs to loans | 1.4641% | 1,405 |
| Credit loss provision to net charge-offs | 96.7819% | 5,278 |
| Earnings coverage of net charge-offs (x) | 0.2110% | 5,814 |
| Efficiency ratio | 95.3531% | 1,311 |
| Assets per employee ($millions) | 3.8265% | 4,134 |
| Cash dividends to net income (ytd only)* | -94.8030% | 7,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 7,208 |
| Loan loss allowance to noncurrent loans | 26.1644% | 6,713 |
| Noncurrent assets plus other real estate owned to assets | 1.8668% | 3,560 |
| Noncurrent loans to loans | 2.9432% | 2,586 |
| Net loans and leases to total assets | 52.1504% | 6,586 |
| Net loans and leases to deposits | 61.0878% | 6,745 |
| Net loans and leases to core deposits | 70.1047% | 6,963 |
| Total domestic deposits to total assets | 85.3695% | 3,042 |
| Equity capital to assets | 9.0514% | 5,410 |
| Core capital (leverage) ratio | 7.7097% | 6,719 |
| Tier 1 risk-based capital ratio | 11.4422% | 5,488 |
| Total risk-based capital ratio | 12.0383% | 6,140 |
| Memoranda: | ||
| Average total assets | $140,111,000 | 4,135 |
| Average earning assets | $125,114,250 | 4,224 |
| Average equity | $13,312,000 | 4,456 |
| Average total loans | $76,402,500 | 4,680 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 6,624 |
| Cost of funding earning assets | 1.8888% | 4,322 |
| Net interest margin | 3.1598% | 6,061 |
| Noninterest income to average assets | 0.8910% | 2,018 |
| Noninterest expense to average assets | 3.7645% | 1,715 |
| Loan and lease loss provision to assets | 0.8767% | 1,923 |
| Net operating income to assets | -0.9297% | 6,916 |
| Return on assets (ROA) | -0.9297% | 6,927 |
| Pretax return on assets | -0.9297% | 6,769 |
| Return on Equity (ROE) | -9.6307% | 7,004 |
| Retained earnings to average equity (ytd only) | -18.5640% | 7,408 |
| Net charge-offs to loans | 1.3702% | 1,367 |
| Credit loss provision to net charge-offs | 115.9091% | 3,996 |
| Earnings coverage of net charge-offs (x) | -0.0701% | 5,773 |
| Efficiency ratio | 101.4280% | 1,107 |
| Assets per employee ($millions) | 4.0451% | 3,597 |
| Cash dividends to net income (ytd only)* | -92.7581% | 8,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 6,684 |
| Loan loss allowance to noncurrent loans | 107.7165% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7952% | 5,405 |
| Noncurrent loans to loans | 0.8542% | 5,514 |
| Net loans and leases to total assets | 50.5761% | 6,821 |
| Net loans and leases to deposits | 59.0990% | 6,958 |
| Net loans and leases to core deposits | 69.2788% | 7,061 |
| Total domestic deposits to total assets | 85.5786% | 2,976 |
| Equity capital to assets | 8.6785% | 5,787 |
| Core capital (leverage) ratio | 7.8435% | 6,556 |
| Tier 1 risk-based capital ratio | 11.3104% | 5,579 |
| Total risk-based capital ratio | 12.0147% | 6,057 |
| Memoranda: | ||
| Average total assets | $139,621,000 | 4,177 |
| Average earning assets | $124,629,330 | 4,250 |
| Average equity | $13,477,670 | 4,427 |
| Average total loans | $77,067,330 | 4,697 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3913% | 5,475 |
| Cost of funding earning assets | 1.9760% | 4,255 |
| Net interest margin | 3.4153% | 5,078 |
| Noninterest income to average assets | 0.8461% | 2,096 |
| Noninterest expense to average assets | 2.4799% | 5,912 |
| Loan and lease loss provision to assets | 0.2928% | 3,609 |
| Net operating income to assets | 1.1097% | 1,924 |
| Return on assets (ROA) | 1.1097% | 2,052 |
| Pretax return on assets | 1.1097% | 2,948 |
| Return on Equity (ROE) | 10.9084% | 1,995 |
| Retained earnings to average equity (ytd only) | -0.0288% | 5,652 |
| Net charge-offs to loans | 0.1326% | 3,898 |
| Credit loss provision to net charge-offs | 384.6154% | 1,339 |
| Earnings coverage of net charge-offs (x) | 18.4231% | 1,464 |
| Efficiency ratio | 63.8763% | 5,712 |
| Assets per employee ($millions) | 3.8513% | 3,979 |
| Cash dividends to net income (ytd only)* | 100.2639% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 6,824 |
| Loan loss allowance to noncurrent loans | 48.1773% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 1.7606% | 3,285 |
| Noncurrent loans to loans | 1.8300% | 3,516 |
| Net loans and leases to total assets | 54.6540% | 6,395 |
| Net loans and leases to deposits | 63.3454% | 6,620 |
| Net loans and leases to core deposits | 74.9587% | 6,748 |
| Total domestic deposits to total assets | 86.2793% | 2,569 |
| Equity capital to assets | 10.0011% | 4,006 |
| Core capital (leverage) ratio | 9.1816% | 4,436 |
| Tier 1 risk-based capital ratio | 12.5166% | 4,536 |
| Total risk-based capital ratio | 13.2060% | 4,902 |
| Memoranda: | ||
| Average total assets | $136,619,500 | 4,264 |
| Average earning assets | $121,454,500 | 4,348 |
| Average equity | $13,897,500 | 4,355 |
| Average total loans | $78,433,500 | 4,664 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9039% | 6,016 |
| Cost of funding earning assets | 2.5775% | 3,811 |
| Net interest margin | 3.3264% | 5,942 |
| Noninterest income to average assets | 0.6597% | 3,406 |
| Noninterest expense to average assets | 2.4255% | 6,312 |
| Loan and lease loss provision to assets | 0.2621% | 4,307 |
| Net operating income to assets | 0.9619% | 2,735 |
| Return on assets (ROA) | 0.9619% | 2,610 |
| Pretax return on assets | 0.9641% | 3,506 |
| Return on Equity (ROE) | 9.5076% | 2,435 |
| Retained earnings to average equity (ytd only) | 0.5038% | 4,933 |
| Net charge-offs to loans | 0.5841% | 2,074 |
| Credit loss provision to net charge-offs | 79.1209% | 5,916 |
| Earnings coverage of net charge-offs (x) | 3.7011% | 4,249 |
| Efficiency ratio | 66.4207% | 5,037 |
| Assets per employee ($millions) | 3.7387% | 4,084 |
| Cash dividends to net income (ytd only)* | 94.7010% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7461% | 7,304 |
| Loan loss allowance to noncurrent loans | 76.4331% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.3284% | 3,558 |
| Noncurrent loans to loans | 0.9761% | 4,644 |
| Net loans and leases to total assets | 59.3028% | 6,014 |
| Net loans and leases to deposits | 68.6861% | 6,396 |
| Net loans and leases to core deposits | 78.3913% | 6,730 |
| Total domestic deposits to total assets | 86.3389% | 2,244 |
| Equity capital to assets | 10.3489% | 3,667 |
| Core capital (leverage) ratio | 9.3593% | 4,219 |
| Tier 1 risk-based capital ratio | 12.1196% | 4,727 |
| Total risk-based capital ratio | 12.7136% | 5,173 |
| Memoranda: | ||
| Average total assets | $137,332,800 | 4,132 |
| Average earning assets | $123,528,600 | 4,184 |
| Average equity | $13,894,200 | 4,365 |
| Average total loans | $77,891,800 | 4,590 |