Home > Goppert State Service Bank > Performance and Condition Ratios
Goppert State Service Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5653% | 1,082 |
| Cost of funding earning assets | 1.0035% | 3,281 |
| Net interest margin | 4.5617% | 555 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.7212% | 1,684 |
| Loan and lease loss provision to assets | 1.2400% | 51 |
| Net operating income to assets | 0.5167% | 3,637 |
| Return on assets (ROA) | 0.5167% | 3,626 |
| Pretax return on assets | 0.6761% | 3,487 |
| Return on Equity (ROE) | 5.4100% | 3,641 |
| Retained earnings to average equity (ytd only) | 2.6592% | 3,394 |
| Net charge-offs to loans | 0.7980% | 127 |
| Credit loss provision to net charge-offs | 183.0664% | 1,291 |
| Earnings coverage of net charge-offs (x) | 2.8576% | 2,669 |
| Efficiency ratio | 58.7156% | 3,218 |
| Assets per employee ($millions) | 5.2297% | 3,448 |
| Cash dividends to net income (ytd only)* | 50.8525% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 743 |
| Loan loss allowance to noncurrent loans | 45.5277% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 3.0793% | 68 |
| Noncurrent loans to loans | 3.6426% | 104 |
| Net loans and leases to total assets | 82.6900% | 373 |
| Net loans and leases to deposits | 92.4864% | 1,053 |
| Net loans and leases to core deposits | 100.7351% | 1,384 |
| Total domestic deposits to total assets | 89.4000% | 945 |
| Equity capital to assets | 9.1334% | 2,586 |
| Core capital (leverage) ratio | 9.3243% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $261,064,000 | 2,617 |
| Average earning assets | $247,822,400 | 2,587 |
| Average equity | $24,932,400 | 2,524 |
| Average total loans | $219,051,800 | 2,169 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4349% | 1,092 |
| Cost of funding earning assets | 0.8744% | 3,333 |
| Net interest margin | 4.5605% | 569 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.6625% | 1,758 |
| Loan and lease loss provision to assets | 0.3900% | 213 |
| Net operating income to assets | 1.2164% | 1,748 |
| Return on assets (ROA) | 1.2164% | 1,739 |
| Pretax return on assets | 1.5989% | 1,363 |
| Return on Equity (ROE) | 12.5900% | 1,981 |
| Retained earnings to average equity (ytd only) | 8.9275% | 1,706 |
| Net charge-offs to loans | 0.0338% | 1,408 |
| Credit loss provision to net charge-offs | 1,318.1818% | 333 |
| Earnings coverage of net charge-offs (x) | 70.0545% | 1,112 |
| Efficiency ratio | 57.2459% | 3,288 |
| Assets per employee ($millions) | 5.0040% | 3,603 |
| Cash dividends to net income (ytd only)* | 29.1048% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 1,759 |
| Loan loss allowance to noncurrent loans | 136.7560% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.8472% | 651 |
| Noncurrent loans to loans | 0.9687% | 847 |
| Net loans and leases to total assets | 84.5400% | 245 |
| Net loans and leases to deposits | 95.2870% | 798 |
| Net loans and leases to core deposits | 101.7002% | 1,230 |
| Total domestic deposits to total assets | 88.7200% | 1,342 |
| Equity capital to assets | 9.7356% | 1,970 |
| Core capital (leverage) ratio | 9.8731% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $258,343,500 | 2,636 |
| Average earning assets | $245,641,250 | 2,604 |
| Average equity | $24,956,000 | 2,503 |
| Average total loans | $216,650,500 | 2,181 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2183% | 1,189 |
| Cost of funding earning assets | 0.7182% | 3,432 |
| Net interest margin | 4.5001% | 604 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.6479% | 1,801 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.3560% | 1,434 |
| Return on assets (ROA) | 1.3560% | 1,418 |
| Pretax return on assets | 1.7817% | 1,046 |
| Return on Equity (ROE) | 14.0700% | 1,667 |
| Retained earnings to average equity (ytd only) | 10.5156% | 1,274 |
| Net charge-offs to loans | 0.0084% | 1,890 |
| Credit loss provision to net charge-offs | 1,944.4444% | 270 |
| Earnings coverage of net charge-offs (x) | 276.2222% | 484 |
| Efficiency ratio | 57.6923% | 3,223 |
| Assets per employee ($millions) | 4.9622% | 3,628 |
| Cash dividends to net income (ytd only)* | 25.2880% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 2,859 |
| Loan loss allowance to noncurrent loans | 148.9008% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 806 |
| Noncurrent loans to loans | 0.7512% | 1,006 |
| Net loans and leases to total assets | 84.2400% | 252 |
| Net loans and leases to deposits | 93.5859% | 903 |
| Net loans and leases to core deposits | 100.4461% | 1,212 |
| Total domestic deposits to total assets | 90.0100% | 918 |
| Equity capital to assets | 9.6590% | 2,058 |
| Core capital (leverage) ratio | 9.9097% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $256,054,000 | 2,655 |
| Average earning assets | $243,951,333 | 2,616 |
| Average equity | $24,668,000 | 2,536 |
| Average total loans | $213,131,667 | 2,199 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0112% | 1,209 |
| Cost of funding earning assets | 0.5694% | 3,480 |
| Net interest margin | 4.4418% | 637 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.6558% | 1,788 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.2669% | 1,761 |
| Return on assets (ROA) | 1.2669% | 1,727 |
| Pretax return on assets | 1.6312% | 1,396 |
| Return on Equity (ROE) | 13.1700% | 1,950 |
| Retained earnings to average equity (ytd only) | 9.9586% | 1,711 |
| Net charge-offs to loans | 0.1271% | 514 |
| Credit loss provision to net charge-offs | 174.2424% | 885 |
| Earnings coverage of net charge-offs (x) | 17.8030% | 1,494 |
| Efficiency ratio | 58.8008% | 3,093 |
| Assets per employee ($millions) | 4.6976% | 3,891 |
| Cash dividends to net income (ytd only)* | 24.3750% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 2,948 |
| Loan loss allowance to noncurrent loans | 230.3761% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 1,206 |
| Noncurrent loans to loans | 0.4871% | 1,498 |
| Net loans and leases to total assets | 82.9800% | 297 |
| Net loans and leases to deposits | 92.2008% | 905 |
| Net loans and leases to core deposits | 97.1739% | 1,223 |
| Total domestic deposits to total assets | 90.0000% | 1,155 |
| Equity capital to assets | 9.7198% | 1,985 |
| Core capital (leverage) ratio | 9.7749% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $252,582,500 | 2,714 |
| Average earning assets | $240,260,500 | 2,668 |
| Average equity | $24,300,500 | 2,578 |
| Average total loans | $207,671,500 | 2,251 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 2,020 |
| Cost of funding earning assets | 0.2912% | 2,952 |
| Net interest margin | 3.5940% | 1,664 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.6100% | 1,801 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.8168% | 3,268 |
| Return on assets (ROA) | 0.8168% | 3,200 |
| Pretax return on assets | 1.0696% | 2,863 |
| Return on Equity (ROE) | 8.9200% | 3,148 |
| Retained earnings to average equity (ytd only) | 5.6281% | 2,776 |
| Net charge-offs to loans | 0.0048% | 2,260 |
| Credit loss provision to net charge-offs | 2,744.4444% | 204 |
| Earnings coverage of net charge-offs (x) | 332.8889% | 456 |
| Efficiency ratio | 68.7330% | 1,872 |
| Assets per employee ($millions) | 4.4912% | 4,044 |
| Cash dividends to net income (ytd only)* | 36.9238% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 2,614 |
| Loan loss allowance to noncurrent loans | 120.4323% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.7912% | 598 |
| Noncurrent loans to loans | 0.9597% | 776 |
| Net loans and leases to total assets | 79.5700% | 645 |
| Net loans and leases to deposits | 88.0954% | 1,170 |
| Net loans and leases to core deposits | 92.8612% | 1,349 |
| Total domestic deposits to total assets | 90.3200% | 1,232 |
| Equity capital to assets | 9.5055% | 2,008 |
| Core capital (leverage) ratio | 9.7310% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $252,333,000 | 2,712 |
| Average earning assets | $241,041,800 | 2,665 |
| Average equity | $23,098,400 | 2,695 |
| Average total loans | $187,168,000 | 2,325 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6453% | 2,207 |
| Cost of funding earning assets | 0.2508% | 2,698 |
| Net interest margin | 3.3944% | 1,990 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.5817% | 1,759 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.7339% | 3,469 |
| Return on assets (ROA) | 0.7339% | 3,413 |
| Pretax return on assets | 0.9567% | 3,151 |
| Return on Equity (ROE) | 8.0900% | 3,300 |
| Retained earnings to average equity (ytd only) | 4.7983% | 3,161 |
| Net charge-offs to loans | 0.0015% | 2,259 |
| Credit loss provision to net charge-offs | 7,200.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 978.0000% | 154 |
| Efficiency ratio | 71.4286% | 1,597 |
| Assets per employee ($millions) | 4.6852% | 3,921 |
| Cash dividends to net income (ytd only)* | 40.7194% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 2,717 |
| Loan loss allowance to noncurrent loans | 150.0000% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 849 |
| Noncurrent loans to loans | 0.7765% | 1,042 |
| Net loans and leases to total assets | 75.2600% | 988 |
| Net loans and leases to deposits | 83.1194% | 1,358 |
| Net loans and leases to core deposits | 87.6420% | 1,431 |
| Total domestic deposits to total assets | 90.5500% | 1,421 |
| Equity capital to assets | 9.1960% | 2,088 |
| Core capital (leverage) ratio | 9.3746% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $252,539,250 | 2,735 |
| Average earning assets | $241,841,250 | 2,678 |
| Average equity | $22,896,250 | 2,746 |
| Average total loans | $183,346,500 | 2,352 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4965% | 2,157 |
| Cost of funding earning assets | 0.2532% | 2,218 |
| Net interest margin | 3.2432% | 2,071 |
| Noninterest income to average assets | 0.3550% | 3,029 |
| Noninterest expense to average assets | 2.5382% | 1,816 |
| Loan and lease loss provision to assets | 0.0761% | 1,268 |
| Net operating income to assets | 0.6553% | 3,457 |
| Return on assets (ROA) | 0.6553% | 3,408 |
| Pretax return on assets | 0.8463% | 3,217 |
| Return on Equity (ROE) | 7.2630% | 3,231 |
| Retained earnings to average equity (ytd only) | 3.9520% | 3,098 |
| Net charge-offs to loans | -0.0011% | 3,052 |
| Credit loss provision to net charge-offs | -9,600.0000% | 3,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3455% | 1,583 |
| Assets per employee ($millions) | 4.3704% | 4,165 |
| Cash dividends to net income (ytd only)* | 45.5865% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 2,700 |
| Loan loss allowance to noncurrent loans | 160.5109% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5831% | 963 |
| Noncurrent loans to loans | 0.7449% | 1,154 |
| Net loans and leases to total assets | 71.6916% | 1,141 |
| Net loans and leases to deposits | 78.9777% | 1,471 |
| Net loans and leases to core deposits | 83.1245% | 1,510 |
| Total domestic deposits to total assets | 90.7745% | 1,353 |
| Equity capital to assets | 9.0270% | 2,369 |
| Core capital (leverage) ratio | 9.1812% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,385,000 | 2,761 |
| Average earning assets | $241,673,333 | 2,709 |
| Average equity | $22,773,000 | 2,836 |
| Average total loans | $180,241,000 | 2,382 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3390% | 2,267 |
| Cost of funding earning assets | 0.2802% | 1,819 |
| Net interest margin | 3.0589% | 2,294 |
| Noninterest income to average assets | 0.3336% | 3,099 |
| Noninterest expense to average assets | 2.5525% | 1,742 |
| Loan and lease loss provision to assets | 0.0762% | 1,076 |
| Net operating income to assets | 0.5099% | 3,685 |
| Return on assets (ROA) | 0.5099% | 3,652 |
| Pretax return on assets | 0.6353% | 3,541 |
| Return on Equity (ROE) | 5.6518% | 3,438 |
| Retained earnings to average equity (ytd only) | 2.3241% | 3,455 |
| Net charge-offs to loans | 0.0022% | 1,737 |
| Credit loss provision to net charge-offs | 4,800.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 448.0000% | 228 |
| Efficiency ratio | 78.1995% | 1,297 |
| Assets per employee ($millions) | 4.3135% | 4,244 |
| Cash dividends to net income (ytd only)* | 58.8785% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,871 |
| Loan loss allowance to noncurrent loans | 170.9626% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.5658% | 1,057 |
| Noncurrent loans to loans | 0.7009% | 1,355 |
| Net loans and leases to total assets | 69.6242% | 1,051 |
| Net loans and leases to deposits | 77.9216% | 1,294 |
| Net loans and leases to core deposits | 82.0570% | 1,345 |
| Total domestic deposits to total assets | 89.3516% | 1,900 |
| Equity capital to assets | 8.8955% | 2,805 |
| Core capital (leverage) ratio | 9.0652% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,836,000 | 2,774 |
| Average earning assets | $241,267,000 | 2,726 |
| Average equity | $22,718,500 | 2,929 |
| Average total loans | $178,399,000 | 2,393 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 1,024 |
| Cost of funding earning assets | 0.3628% | 1,826 |
| Net interest margin | 3.8181% | 971 |
| Noninterest income to average assets | 0.3325% | 3,422 |
| Noninterest expense to average assets | 2.5914% | 1,892 |
| Loan and lease loss provision to assets | 0.0763% | 1,592 |
| Net operating income to assets | 0.9937% | 2,700 |
| Return on assets (ROA) | 0.9937% | 2,766 |
| Pretax return on assets | 1.3170% | 2,309 |
| Return on Equity (ROE) | 10.7892% | 2,242 |
| Retained earnings to average equity (ytd only) | 7.3423% | 1,786 |
| Net charge-offs to loans | 0.0332% | 1,571 |
| Credit loss provision to net charge-offs | 326.7857% | 1,023 |
| Earnings coverage of net charge-offs (x) | 59.6429% | 1,180 |
| Efficiency ratio | 65.0335% | 2,396 |
| Assets per employee ($millions) | 4.5304% | 4,091 |
| Cash dividends to net income (ytd only)* | 31.9479% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 2,956 |
| Loan loss allowance to noncurrent loans | 244.1347% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 1,767 |
| Noncurrent loans to loans | 0.4852% | 1,915 |
| Net loans and leases to total assets | 70.3744% | 997 |
| Net loans and leases to deposits | 80.4982% | 1,169 |
| Net loans and leases to core deposits | 84.7379% | 1,282 |
| Total domestic deposits to total assets | 87.4236% | 2,324 |
| Equity capital to assets | 9.1495% | 3,460 |
| Core capital (leverage) ratio | 9.2788% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,712,000 | 2,795 |
| Average earning assets | $229,305,400 | 2,752 |
| Average equity | $22,077,600 | 3,055 |
| Average total loans | $168,815,400 | 2,477 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 1,030 |
| Cost of funding earning assets | 0.3810% | 1,847 |
| Net interest margin | 3.8680% | 993 |
| Noninterest income to average assets | 0.3224% | 3,498 |
| Noninterest expense to average assets | 2.5313% | 2,029 |
| Loan and lease loss provision to assets | 0.0758% | 1,533 |
| Net operating income to assets | 1.0656% | 2,670 |
| Return on assets (ROA) | 1.0656% | 2,736 |
| Pretax return on assets | 1.4162% | 2,268 |
| Return on Equity (ROE) | 11.5505% | 2,194 |
| Retained earnings to average equity (ytd only) | 8.1042% | 2,021 |
| Net charge-offs to loans | 0.0504% | 1,163 |
| Credit loss provision to net charge-offs | 214.2857% | 1,167 |
| Earnings coverage of net charge-offs (x) | 42.1587% | 1,335 |
| Efficiency ratio | 62.9154% | 2,546 |
| Assets per employee ($millions) | 4.6325% | 4,024 |
| Cash dividends to net income (ytd only)* | 29.8366% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 3,011 |
| Loan loss allowance to noncurrent loans | 1,088.8298% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 3,222 |
| Noncurrent loans to loans | 0.1098% | 3,543 |
| Net loans and leases to total assets | 68.8966% | 1,207 |
| Net loans and leases to deposits | 79.0468% | 1,377 |
| Net loans and leases to core deposits | 83.6587% | 1,453 |
| Total domestic deposits to total assets | 87.1592% | 2,286 |
| Equity capital to assets | 9.2012% | 3,654 |
| Core capital (leverage) ratio | 9.2204% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,346,750 | 2,835 |
| Average earning assets | $227,089,000 | 2,787 |
| Average equity | $21,897,500 | 3,102 |
| Average total loans | $166,655,250 | 2,535 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1819% | 1,216 |
| Cost of funding earning assets | 0.4019% | 1,869 |
| Net interest margin | 3.7800% | 1,172 |
| Noninterest income to average assets | 0.3248% | 3,478 |
| Noninterest expense to average assets | 2.5113% | 2,105 |
| Loan and lease loss provision to assets | 0.0742% | 1,595 |
| Net operating income to assets | 1.0349% | 2,773 |
| Return on assets (ROA) | 1.0349% | 2,849 |
| Pretax return on assets | 1.3554% | 2,454 |
| Return on Equity (ROE) | 11.2063% | 2,343 |
| Retained earnings to average equity (ytd only) | 7.7817% | 2,158 |
| Net charge-offs to loans | 0.0618% | 996 |
| Credit loss provision to net charge-offs | 170.5882% | 1,112 |
| Earnings coverage of net charge-offs (x) | 32.8824% | 1,260 |
| Efficiency ratio | 63.7249% | 2,467 |
| Assets per employee ($millions) | 4.5212% | 4,089 |
| Cash dividends to net income (ytd only)* | 30.5601% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 3,007 |
| Loan loss allowance to noncurrent loans | 1,026.0204% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 3,329 |
| Noncurrent loans to loans | 0.1157% | 3,611 |
| Net loans and leases to total assets | 68.5570% | 1,376 |
| Net loans and leases to deposits | 78.6749% | 1,559 |
| Net loans and leases to core deposits | 83.2080% | 1,626 |
| Total domestic deposits to total assets | 87.1395% | 2,244 |
| Equity capital to assets | 9.0443% | 3,759 |
| Core capital (leverage) ratio | 9.1143% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,621,333 | 2,847 |
| Average earning assets | $224,442,000 | 2,800 |
| Average equity | $21,666,333 | 3,117 |
| Average total loans | $165,139,000 | 2,553 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0194% | 1,573 |
| Cost of funding earning assets | 0.4247% | 1,903 |
| Net interest margin | 3.5947% | 1,604 |
| Noninterest income to average assets | 0.2993% | 3,615 |
| Noninterest expense to average assets | 2.4867% | 2,213 |
| Loan and lease loss provision to assets | 0.0731% | 1,714 |
| Net operating income to assets | 0.8962% | 3,133 |
| Return on assets (ROA) | 0.8962% | 3,215 |
| Pretax return on assets | 1.1711% | 2,923 |
| Return on Equity (ROE) | 9.5997% | 2,821 |
| Retained earnings to average equity (ytd only) | 6.3190% | 2,790 |
| Net charge-offs to loans | -0.0049% | 3,385 |
| Credit loss provision to net charge-offs | -2,100.0000% | 3,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6511% | 2,138 |
| Assets per employee ($millions) | 4.6185% | 4,004 |
| Cash dividends to net income (ytd only)* | 34.1748% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 2,978 |
| Loan loss allowance to noncurrent loans | 1,696.6387% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 3,424 |
| Noncurrent loans to loans | 0.0702% | 3,939 |
| Net loans and leases to total assets | 71.0897% | 1,141 |
| Net loans and leases to deposits | 81.9290% | 1,341 |
| Net loans and leases to core deposits | 86.8381% | 1,468 |
| Total domestic deposits to total assets | 86.7699% | 2,414 |
| Equity capital to assets | 9.1723% | 3,516 |
| Core capital (leverage) ratio | 9.4237% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,860,500 | 2,867 |
| Average earning assets | $219,434,500 | 2,825 |
| Average equity | $21,459,000 | 3,121 |
| Average total loans | $163,014,500 | 2,565 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 1,931 |
| Cost of funding earning assets | 0.6022% | 2,287 |
| Net interest margin | 3.6762% | 1,885 |
| Noninterest income to average assets | 0.3461% | 3,392 |
| Noninterest expense to average assets | 2.6170% | 2,493 |
| Loan and lease loss provision to assets | 0.0906% | 3,230 |
| Net operating income to assets | 0.8908% | 2,735 |
| Return on assets (ROA) | 0.8908% | 2,870 |
| Pretax return on assets | 1.1665% | 2,452 |
| Return on Equity (ROE) | 8.8515% | 2,455 |
| Retained earnings to average equity (ytd only) | 4.3683% | 2,611 |
| Net charge-offs to loans | 0.0492% | 2,093 |
| Credit loss provision to net charge-offs | 247.3684% | 1,950 |
| Earnings coverage of net charge-offs (x) | 34.3158% | 1,494 |
| Efficiency ratio | 67.5501% | 2,290 |
| Assets per employee ($millions) | 4.3956% | 4,020 |
| Cash dividends to net income (ytd only)* | 50.6494% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 2,613 |
| Loan loss allowance to noncurrent loans | 649.6711% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 3,293 |
| Noncurrent loans to loans | 0.1942% | 3,513 |
| Net loans and leases to total assets | 68.9577% | 1,699 |
| Net loans and leases to deposits | 79.5494% | 1,917 |
| Net loans and leases to core deposits | 84.4598% | 1,996 |
| Total domestic deposits to total assets | 86.6854% | 2,081 |
| Equity capital to assets | 9.5073% | 3,604 |
| Core capital (leverage) ratio | 9.6723% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,450,400 | 2,882 |
| Average earning assets | $199,092,800 | 2,832 |
| Average equity | $20,877,800 | 3,106 |
| Average total loans | $154,590,800 | 2,620 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 1,902 |
| Cost of funding earning assets | 0.6464% | 2,340 |
| Net interest margin | 3.7311% | 1,836 |
| Noninterest income to average assets | 0.3496% | 3,371 |
| Noninterest expense to average assets | 2.6185% | 2,487 |
| Loan and lease loss provision to assets | 0.0866% | 3,229 |
| Net operating income to assets | 0.9393% | 2,568 |
| Return on assets (ROA) | 0.9393% | 2,694 |
| Pretax return on assets | 1.2299% | 2,288 |
| Return on Equity (ROE) | 9.1930% | 2,315 |
| Retained earnings to average equity (ytd only) | 4.6864% | 2,702 |
| Net charge-offs to loans | 0.0649% | 1,686 |
| Credit loss provision to net charge-offs | 176.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 26.7600% | 1,686 |
| Efficiency ratio | 66.5444% | 2,395 |
| Assets per employee ($millions) | 4.0134% | 4,300 |
| Cash dividends to net income (ytd only)* | 49.0223% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 2,770 |
| Loan loss allowance to noncurrent loans | 402.5157% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 3,107 |
| Noncurrent loans to loans | 0.2934% | 3,226 |
| Net loans and leases to total assets | 75.5262% | 1,155 |
| Net loans and leases to deposits | 87.8402% | 1,504 |
| Net loans and leases to core deposits | 93.4718% | 1,677 |
| Total domestic deposits to total assets | 85.9813% | 2,076 |
| Equity capital to assets | 9.9512% | 3,272 |
| Core capital (leverage) ratio | 9.8540% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,269,250 | 2,891 |
| Average earning assets | $195,328,500 | 2,855 |
| Average equity | $20,769,000 | 3,115 |
| Average total loans | $154,098,250 | 2,630 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 2,290 |
| Cost of funding earning assets | 0.6965% | 2,404 |
| Net interest margin | 3.6708% | 2,267 |
| Noninterest income to average assets | 0.3398% | 3,439 |
| Noninterest expense to average assets | 2.6714% | 2,466 |
| Loan and lease loss provision to assets | 0.0660% | 3,470 |
| Net operating income to assets | 0.8645% | 2,828 |
| Return on assets (ROA) | 0.8645% | 2,946 |
| Pretax return on assets | 1.1313% | 2,608 |
| Return on Equity (ROE) | 8.3833% | 2,603 |
| Retained earnings to average equity (ytd only) | 3.8476% | 2,984 |
| Net charge-offs to loans | 0.0820% | 1,430 |
| Credit loss provision to net charge-offs | 106.4516% | 2,357 |
| Earnings coverage of net charge-offs (x) | 19.3226% | 1,729 |
| Efficiency ratio | 69.0519% | 2,083 |
| Assets per employee ($millions) | 4.1445% | 4,160 |
| Cash dividends to net income (ytd only)* | 54.1040% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 2,763 |
| Loan loss allowance to noncurrent loans | 138.2963% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 1,902 |
| Noncurrent loans to loans | 0.8340% | 1,827 |
| Net loans and leases to total assets | 75.7007% | 1,188 |
| Net loans and leases to deposits | 87.9649% | 1,565 |
| Net loans and leases to core deposits | 92.6783% | 1,844 |
| Total domestic deposits to total assets | 86.0578% | 1,983 |
| Equity capital to assets | 9.8750% | 3,308 |
| Core capital (leverage) ratio | 10.0748% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,122,667 | 2,901 |
| Average earning assets | $192,384,333 | 2,854 |
| Average equity | $20,636,333 | 3,120 |
| Average total loans | $151,274,000 | 2,647 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 2,386 |
| Cost of funding earning assets | 0.7905% | 2,452 |
| Net interest margin | 3.6811% | 2,392 |
| Noninterest income to average assets | 0.3620% | 3,350 |
| Noninterest expense to average assets | 2.7805% | 2,486 |
| Loan and lease loss provision to assets | 0.0679% | 2,910 |
| Net operating income to assets | 0.7856% | 2,952 |
| Return on assets (ROA) | 0.7856% | 3,042 |
| Pretax return on assets | 1.0283% | 2,748 |
| Return on Equity (ROE) | 7.4471% | 2,762 |
| Retained earnings to average equity (ytd only) | 2.8853% | 3,127 |
| Net charge-offs to loans | 0.1589% | 816 |
| Credit loss provision to net charge-offs | 56.8966% | 2,028 |
| Earnings coverage of net charge-offs (x) | 9.1897% | 1,829 |
| Efficiency ratio | 71.7241% | 2,120 |
| Assets per employee ($millions) | 3.8523% | 4,116 |
| Cash dividends to net income (ytd only)* | 61.2565% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 2,478 |
| Loan loss allowance to noncurrent loans | 638.1944% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 3,771 |
| Noncurrent loans to loans | 0.1936% | 3,784 |
| Net loans and leases to total assets | 74.7763% | 1,494 |
| Net loans and leases to deposits | 87.8927% | 1,757 |
| Net loans and leases to core deposits | 93.0122% | 2,069 |
| Total domestic deposits to total assets | 85.0768% | 2,388 |
| Equity capital to assets | 10.5275% | 3,294 |
| Core capital (leverage) ratio | 10.5249% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,498,000 | 2,912 |
| Average earning assets | $185,704,500 | 2,861 |
| Average equity | $20,518,000 | 3,120 |
| Average total loans | $145,972,500 | 2,671 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5998% | 2,617 |
| Cost of funding earning assets | 0.6923% | 3,196 |
| Net interest margin | 3.9075% | 2,151 |
| Noninterest income to average assets | 0.4061% | 3,259 |
| Noninterest expense to average assets | 2.6680% | 2,973 |
| Loan and lease loss provision to assets | 0.0652% | 2,719 |
| Net operating income to assets | 1.0741% | 2,557 |
| Return on assets (ROA) | 1.0741% | 2,649 |
| Pretax return on assets | 1.4036% | 2,145 |
| Return on Equity (ROE) | 10.0205% | 2,288 |
| Retained earnings to average equity (ytd only) | 5.7709% | 1,989 |
| Net charge-offs to loans | -0.0292% | 4,706 |
| Credit loss provision to net charge-offs | -292.6829% | 4,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4941% | 3,001 |
| Assets per employee ($millions) | 4.0964% | 3,778 |
| Cash dividends to net income (ytd only)* | 42.4089% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 1,916 |
| Loan loss allowance to noncurrent loans | 1,340.2878% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 4,089 |
| Noncurrent loans to loans | 0.0971% | 4,136 |
| Net loans and leases to total assets | 73.4088% | 1,854 |
| Net loans and leases to deposits | 86.3736% | 2,041 |
| Net loans and leases to core deposits | 91.5156% | 2,275 |
| Total domestic deposits to total assets | 84.9899% | 2,497 |
| Equity capital to assets | 10.5713% | 3,372 |
| Core capital (leverage) ratio | 10.7506% | 2,719 |
| Tier 1 risk-based capital ratio | 13.9205% | 3,309 |
| Total risk-based capital ratio | 15.1711% | 3,213 |
| Memoranda: | ||
| Average total assets | $183,960,600 | 2,972 |
| Average earning assets | $175,637,800 | 2,926 |
| Average equity | $19,719,600 | 3,158 |
| Average total loans | $140,296,800 | 2,714 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 2,795 |
| Cost of funding earning assets | 0.6593% | 3,401 |
| Net interest margin | 3.9199% | 2,192 |
| Noninterest income to average assets | 0.4099% | 3,256 |
| Noninterest expense to average assets | 2.6847% | 2,907 |
| Loan and lease loss provision to assets | 0.0638% | 2,615 |
| Net operating income to assets | 1.0765% | 2,661 |
| Return on assets (ROA) | 1.0765% | 2,753 |
| Pretax return on assets | 1.4065% | 2,287 |
| Return on Equity (ROE) | 10.0059% | 2,427 |
| Retained earnings to average equity (ytd only) | 5.8890% | 2,422 |
| Net charge-offs to loans | -0.0497% | 4,833 |
| Credit loss provision to net charge-offs | -167.3077% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6135% | 2,923 |
| Assets per employee ($millions) | 3.7695% | 4,193 |
| Cash dividends to net income (ytd only)* | 41.1443% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,284 |
| Loan loss allowance to noncurrent loans | 1,219.2053% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 4,129 |
| Noncurrent loans to loans | 0.1017% | 4,188 |
| Net loans and leases to total assets | 79.3605% | 934 |
| Net loans and leases to deposits | 93.9646% | 1,219 |
| Net loans and leases to core deposits | 99.3177% | 1,716 |
| Total domestic deposits to total assets | 84.4578% | 2,647 |
| Equity capital to assets | 10.8639% | 3,234 |
| Core capital (leverage) ratio | 10.9298% | 2,712 |
| Tier 1 risk-based capital ratio | 13.4651% | 3,591 |
| Total risk-based capital ratio | 14.6997% | 3,504 |
| Memoranda: | ||
| Average total assets | $181,818,250 | 3,025 |
| Average earning assets | $173,706,250 | 2,975 |
| Average equity | $19,561,250 | 3,193 |
| Average total loans | $139,571,750 | 2,756 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4796% | 3,076 |
| Cost of funding earning assets | 0.6028% | 3,637 |
| Net interest margin | 3.8769% | 2,319 |
| Noninterest income to average assets | 0.3970% | 3,284 |
| Noninterest expense to average assets | 2.6784% | 2,983 |
| Loan and lease loss provision to assets | 0.0597% | 2,627 |
| Net operating income to assets | 1.0450% | 2,741 |
| Return on assets (ROA) | 1.0450% | 2,817 |
| Pretax return on assets | 1.3646% | 2,322 |
| Return on Equity (ROE) | 9.7458% | 2,509 |
| Retained earnings to average equity (ytd only) | 5.7237% | 2,406 |
| Net charge-offs to loans | -0.0586% | 4,867 |
| Credit loss provision to net charge-offs | -135.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2830% | 2,925 |
| Assets per employee ($millions) | 3.8619% | 4,046 |
| Cash dividends to net income (ytd only)* | 41.2698% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,197 |
| Loan loss allowance to noncurrent loans | 1,589.3805% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 4,266 |
| Noncurrent loans to loans | 0.0793% | 4,326 |
| Net loans and leases to total assets | 75.9485% | 1,556 |
| Net loans and leases to deposits | 87.3863% | 2,072 |
| Net loans and leases to core deposits | 92.1949% | 2,398 |
| Total domestic deposits to total assets | 86.9113% | 1,637 |
| Equity capital to assets | 10.6537% | 3,383 |
| Core capital (leverage) ratio | 10.6606% | 2,925 |
| Tier 1 risk-based capital ratio | 13.7865% | 3,434 |
| Total risk-based capital ratio | 15.0373% | 3,323 |
| Memoranda: | ||
| Average total assets | $180,856,330 | 3,045 |
| Average earning assets | $172,870,670 | 2,993 |
| Average equity | $19,393,000 | 3,206 |
| Average total loans | $136,621,330 | 2,798 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 3,315 |
| Cost of funding earning assets | 0.5364% | 3,885 |
| Net interest margin | 3.8389% | 2,381 |
| Noninterest income to average assets | 0.3651% | 3,413 |
| Noninterest expense to average assets | 2.6294% | 3,124 |
| Loan and lease loss provision to assets | 0.0538% | 2,587 |
| Net operating income to assets | 1.0370% | 2,712 |
| Return on assets (ROA) | 1.0370% | 2,752 |
| Pretax return on assets | 1.3528% | 2,254 |
| Return on Equity (ROE) | 9.6383% | 2,526 |
| Retained earnings to average equity (ytd only) | 5.5790% | 2,654 |
| Net charge-offs to loans | -0.1197% | 5,071 |
| Credit loss provision to net charge-offs | -60.0000% | 3,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1498% | 3,066 |
| Assets per employee ($millions) | 4.0219% | 3,887 |
| Cash dividends to net income (ytd only)* | 42.1166% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 2,187 |
| Loan loss allowance to noncurrent loans | 663.9098% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 3,891 |
| Noncurrent loans to loans | 0.1926% | 3,896 |
| Net loans and leases to total assets | 75.3336% | 1,592 |
| Net loans and leases to deposits | 84.6247% | 2,310 |
| Net loans and leases to core deposits | 87.8777% | 2,701 |
| Total domestic deposits to total assets | 89.0208% | 850 |
| Equity capital to assets | 10.7080% | 3,156 |
| Core capital (leverage) ratio | 10.8544% | 2,716 |
| Tier 1 risk-based capital ratio | 14.4298% | 3,130 |
| Total risk-based capital ratio | 15.6802% | 3,059 |
| Memoranda: | ||
| Average total assets | $178,598,000 | 3,100 |
| Average earning assets | $170,777,500 | 3,045 |
| Average equity | $19,215,000 | 3,237 |
| Average total loans | $133,640,000 | 2,863 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 3,633 |
| Cost of funding earning assets | 0.3695% | 4,163 |
| Net interest margin | 3.7672% | 2,794 |
| Noninterest income to average assets | 0.4169% | 3,333 |
| Noninterest expense to average assets | 2.6724% | 3,119 |
| Loan and lease loss provision to assets | 0.0564% | 3,042 |
| Net operating income to assets | 0.9872% | 3,069 |
| Return on assets (ROA) | 0.9872% | 3,067 |
| Pretax return on assets | 1.2847% | 2,559 |
| Return on Equity (ROE) | 9.1041% | 2,945 |
| Retained earnings to average equity (ytd only) | 6.2465% | 2,066 |
| Net charge-offs to loans | 0.0128% | 3,260 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 142.5625% | 583 |
| Efficiency ratio | 66.5837% | 2,771 |
| Assets per employee ($millions) | 4.1955% | 3,620 |
| Cash dividends to net income (ytd only)* | 31.3877% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 1,958 |
| Loan loss allowance to noncurrent loans | 2,050.6024% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 4,388 |
| Noncurrent loans to loans | 0.0643% | 4,463 |
| Net loans and leases to total assets | 72.3391% | 2,201 |
| Net loans and leases to deposits | 81.3105% | 2,814 |
| Net loans and leases to core deposits | 84.3835% | 3,046 |
| Total domestic deposits to total assets | 88.9665% | 877 |
| Equity capital to assets | 10.8110% | 2,879 |
| Core capital (leverage) ratio | 11.2179% | 2,334 |
| Tier 1 risk-based capital ratio | 15.1397% | 2,760 |
| Total risk-based capital ratio | 16.3908% | 2,697 |
| Memoranda: | ||
| Average total assets | $170,072,200 | 3,167 |
| Average earning assets | $162,373,800 | 3,118 |
| Average equity | $18,442,200 | 3,248 |
| Average total loans | $125,277,000 | 2,936 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 3,649 |
| Cost of funding earning assets | 0.3388% | 4,251 |
| Net interest margin | 3.7559% | 2,804 |
| Noninterest income to average assets | 0.3916% | 3,534 |
| Noninterest expense to average assets | 2.7174% | 2,926 |
| Loan and lease loss provision to assets | 0.0570% | 2,837 |
| Net operating income to assets | 0.9264% | 3,401 |
| Return on assets (ROA) | 0.9264% | 3,410 |
| Pretax return on assets | 1.2040% | 2,964 |
| Return on Equity (ROE) | 8.5362% | 3,316 |
| Retained earnings to average equity (ytd only) | 5.9848% | 2,668 |
| Net charge-offs to loans | 0.0193% | 2,759 |
| Credit loss provision to net charge-offs | 400.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 88.5533% | 827 |
| Efficiency ratio | 68.3038% | 2,482 |
| Assets per employee ($millions) | 3.6476% | 4,374 |
| Cash dividends to net income (ytd only)* | 29.8894% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,072 |
| Loan loss allowance to noncurrent loans | 1,269.6970% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 4,370 |
| Noncurrent loans to loans | 0.1028% | 4,422 |
| Net loans and leases to total assets | 75.4959% | 1,732 |
| Net loans and leases to deposits | 85.2070% | 2,450 |
| Net loans and leases to core deposits | 88.5769% | 2,790 |
| Total domestic deposits to total assets | 88.6029% | 1,000 |
| Equity capital to assets | 11.1104% | 2,560 |
| Core capital (leverage) ratio | 11.3131% | 2,325 |
| Tier 1 risk-based capital ratio | 15.7899% | 2,530 |
| Total risk-based capital ratio | 17.0416% | 2,465 |
| Memoranda: | ||
| Average total assets | $168,538,000 | 3,211 |
| Average earning assets | $160,950,000 | 3,158 |
| Average equity | $18,290,250 | 3,282 |
| Average total loans | $124,303,750 | 2,978 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 3,720 |
| Cost of funding earning assets | 0.3161% | 4,302 |
| Net interest margin | 3.7056% | 2,902 |
| Noninterest income to average assets | 0.3638% | 3,720 |
| Noninterest expense to average assets | 2.7123% | 2,973 |
| Loan and lease loss provision to assets | 0.0569% | 2,772 |
| Net operating income to assets | 0.8745% | 3,565 |
| Return on assets (ROA) | 0.8745% | 3,569 |
| Pretax return on assets | 1.1363% | 3,178 |
| Return on Equity (ROE) | 8.1219% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.1960% | 2,459 |
| Net charge-offs to loans | 0.0228% | 2,419 |
| Credit loss provision to net charge-offs | 342.8571% | 918 |
| Earnings coverage of net charge-offs (x) | 71.9286% | 893 |
| Efficiency ratio | 69.4478% | 2,406 |
| Assets per employee ($millions) | 3.7148% | 4,331 |
| Cash dividends to net income (ytd only)* | 23.7127% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 2,138 |
| Loan loss allowance to noncurrent loans | 1,819.7802% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 4,527 |
| Noncurrent loans to loans | 0.0717% | 4,601 |
| Net loans and leases to total assets | 74.8844% | 1,808 |
| Net loans and leases to deposits | 84.3601% | 2,495 |
| Net loans and leases to core deposits | 87.5191% | 2,771 |
| Total domestic deposits to total assets | 88.7675% | 1,029 |
| Equity capital to assets | 11.0028% | 2,638 |
| Core capital (leverage) ratio | 11.0275% | 2,497 |
| Tier 1 risk-based capital ratio | 15.8259% | 2,498 |
| Total risk-based capital ratio | 17.0775% | 2,443 |
| Memoranda: | ||
| Average total assets | $168,788,000 | 3,228 |
| Average earning assets | $161,325,000 | 3,171 |
| Average equity | $18,173,000 | 3,313 |
| Average total loans | $122,955,330 | 3,001 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 3,838 |
| Cost of funding earning assets | 0.2993% | 4,358 |
| Net interest margin | 3.6335% | 3,054 |
| Noninterest income to average assets | 0.3939% | 3,513 |
| Noninterest expense to average assets | 2.6934% | 3,063 |
| Loan and lease loss provision to assets | 0.0566% | 2,637 |
| Net operating income to assets | 0.8538% | 3,484 |
| Return on assets (ROA) | 0.8538% | 3,500 |
| Pretax return on assets | 1.1085% | 3,142 |
| Return on Equity (ROE) | 8.0164% | 3,358 |
| Retained earnings to average equity (ytd only) | 8.0164% | 1,827 |
| Net charge-offs to loans | 0.0397% | 1,742 |
| Credit loss provision to net charge-offs | 200.0000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 41.1667% | 1,052 |
| Efficiency ratio | 69.8044% | 2,516 |
| Assets per employee ($millions) | 3.8824% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 2,042 |
| Loan loss allowance to noncurrent loans | 2,368.1159% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,467 |
| Noncurrent loans to loans | 0.0567% | 4,721 |
| Net loans and leases to total assets | 70.2471% | 2,435 |
| Net loans and leases to deposits | 78.8272% | 2,934 |
| Net loans and leases to core deposits | 81.7128% | 3,169 |
| Total domestic deposits to total assets | 89.1153% | 1,047 |
| Equity capital to assets | 10.6564% | 2,918 |
| Core capital (leverage) ratio | 10.8954% | 2,544 |
| Tier 1 risk-based capital ratio | 16.2965% | 2,358 |
| Total risk-based capital ratio | 17.5489% | 2,305 |
| Memoranda: | ||
| Average total assets | $169,598,500 | 3,252 |
| Average earning assets | $161,715,500 | 3,194 |
| Average equity | $18,063,000 | 3,345 |
| Average total loans | $121,014,000 | 3,051 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 3,786 |
| Cost of funding earning assets | 0.2695% | 4,399 |
| Net interest margin | 3.6119% | 3,128 |
| Noninterest income to average assets | 0.4370% | 3,392 |
| Noninterest expense to average assets | 2.5866% | 3,488 |
| Loan and lease loss provision to assets | 0.0580% | 3,071 |
| Net operating income to assets | 0.7236% | 3,502 |
| Return on assets (ROA) | 0.7236% | 3,545 |
| Pretax return on assets | 1.2356% | 2,609 |
| Return on Equity (ROE) | 6.6841% | 3,442 |
| Retained earnings to average equity (ytd only) | 3.0545% | 3,479 |
| Net charge-offs to loans | 0.0449% | 2,890 |
| Credit loss provision to net charge-offs | 184.6154% | 1,470 |
| Earnings coverage of net charge-offs (x) | 41.1538% | 1,245 |
| Efficiency ratio | 66.6615% | 3,139 |
| Assets per employee ($millions) | 3.9156% | 4,101 |
| Cash dividends to net income (ytd only)* | 54.3024% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 1,983 |
| Loan loss allowance to noncurrent loans | 241.3690% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 2,944 |
| Noncurrent loans to loans | 0.5582% | 2,825 |
| Net loans and leases to total assets | 70.5417% | 2,443 |
| Net loans and leases to deposits | 79.1221% | 3,010 |
| Net loans and leases to core deposits | 80.8968% | 3,347 |
| Total domestic deposits to total assets | 89.1554% | 927 |
| Equity capital to assets | 10.6444% | 2,999 |
| Core capital (leverage) ratio | 10.6747% | 2,671 |
| Tier 1 risk-based capital ratio | 15.6861% | 2,556 |
| Total risk-based capital ratio | 16.9389% | 2,493 |
| Memoranda: | ||
| Average total assets | $165,428,800 | 3,291 |
| Average earning assets | $157,700,800 | 3,228 |
| Average equity | $17,908,200 | 3,380 |
| Average total loans | $115,901,800 | 3,109 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8423% | 3,861 |
| Cost of funding earning assets | 0.2629% | 4,454 |
| Net interest margin | 3.5794% | 3,227 |
| Noninterest income to average assets | 0.4372% | 3,425 |
| Noninterest expense to average assets | 2.5607% | 3,533 |
| Loan and lease loss provision to assets | 0.0583% | 2,919 |
| Net operating income to assets | 0.8071% | 3,495 |
| Return on assets (ROA) | 0.8071% | 3,540 |
| Pretax return on assets | 1.2346% | 2,768 |
| Return on Equity (ROE) | 7.4243% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.0488% | 2,860 |
| Net charge-offs to loans | 0.0093% | 3,396 |
| Credit loss provision to net charge-offs | 900.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 199.5576% | 435 |
| Efficiency ratio | 66.4496% | 3,130 |
| Assets per employee ($millions) | 3.5750% | 4,615 |
| Cash dividends to net income (ytd only)* | 31.9958% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 2,013 |
| Loan loss allowance to noncurrent loans | 1,534.5794% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 4,555 |
| Noncurrent loans to loans | 0.0894% | 4,709 |
| Net loans and leases to total assets | 71.7919% | 2,283 |
| Net loans and leases to deposits | 80.9780% | 2,877 |
| Net loans and leases to core deposits | 83.0240% | 3,209 |
| Total domestic deposits to total assets | 88.6561% | 1,037 |
| Equity capital to assets | 11.0721% | 2,794 |
| Core capital (leverage) ratio | 10.6673% | 2,805 |
| Tier 1 risk-based capital ratio | 15.9380% | 2,534 |
| Total risk-based capital ratio | 17.1903% | 2,468 |
| Memoranda: | ||
| Average total assets | $164,693,500 | 3,326 |
| Average earning assets | $157,193,000 | 3,267 |
| Average equity | $17,904,750 | 3,411 |
| Average total loans | $114,779,000 | 3,151 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7712% | 3,998 |
| Cost of funding earning assets | 0.2532% | 4,515 |
| Net interest margin | 3.5180% | 3,331 |
| Noninterest income to average assets | 0.4321% | 3,476 |
| Noninterest expense to average assets | 2.5453% | 3,599 |
| Loan and lease loss provision to assets | 0.0583% | 2,805 |
| Net operating income to assets | 0.7768% | 3,511 |
| Return on assets (ROA) | 0.7768% | 3,559 |
| Pretax return on assets | 1.1846% | 2,829 |
| Return on Equity (ROE) | 7.1895% | 3,459 |
| Retained earnings to average equity (ytd only) | 5.6505% | 2,323 |
| Net charge-offs to loans | 0.0212% | 2,798 |
| Credit loss provision to net charge-offs | 400.0000% | 780 |
| Earnings coverage of net charge-offs (x) | 85.3333% | 731 |
| Efficiency ratio | 67.1900% | 3,156 |
| Assets per employee ($millions) | 3.7987% | 4,280 |
| Cash dividends to net income (ytd only)* | 21.4063% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 2,081 |
| Loan loss allowance to noncurrent loans | 1,068.8742% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 4,059 |
| Noncurrent loans to loans | 0.1283% | 4,610 |
| Net loans and leases to total assets | 67.8848% | 2,832 |
| Net loans and leases to deposits | 76.0758% | 3,335 |
| Net loans and leases to core deposits | 78.0446% | 3,596 |
| Total domestic deposits to total assets | 89.2331% | 839 |
| Equity capital to assets | 10.5493% | 3,280 |
| Core capital (leverage) ratio | 10.5161% | 2,892 |
| Tier 1 risk-based capital ratio | 15.8414% | 2,569 |
| Total risk-based capital ratio | 17.0940% | 2,507 |
| Memoranda: | ||
| Average total assets | $164,775,000 | 3,344 |
| Average earning assets | $157,191,330 | 3,281 |
| Average equity | $17,803,670 | 3,430 |
| Average total loans | $113,137,670 | 3,179 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 3,923 |
| Cost of funding earning assets | 0.2497% | 4,542 |
| Net interest margin | 3.5031% | 3,263 |
| Noninterest income to average assets | 0.4379% | 3,394 |
| Noninterest expense to average assets | 2.6074% | 3,472 |
| Loan and lease loss provision to assets | 0.0594% | 2,620 |
| Net operating income to assets | 0.7248% | 3,597 |
| Return on assets (ROA) | 0.7248% | 3,646 |
| Pretax return on assets | 1.1033% | 2,966 |
| Return on Equity (ROE) | 6.6256% | 3,594 |
| Retained earnings to average equity (ytd only) | 6.6256% | 2,014 |
| Net charge-offs to loans | 0.0108% | 2,602 |
| Credit loss provision to net charge-offs | 800.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 156.6667% | 346 |
| Efficiency ratio | 69.1601% | 3,013 |
| Assets per employee ($millions) | 3.5558% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 1,957 |
| Loan loss allowance to noncurrent loans | 592.2222% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 4,054 |
| Noncurrent loans to loans | 0.2411% | 4,244 |
| Net loans and leases to total assets | 67.4773% | 2,748 |
| Net loans and leases to deposits | 75.9667% | 3,199 |
| Net loans and leases to core deposits | 78.0317% | 3,466 |
| Total domestic deposits to total assets | 88.8249% | 1,239 |
| Equity capital to assets | 10.9037% | 2,741 |
| Core capital (leverage) ratio | 10.8335% | 2,568 |
| Tier 1 risk-based capital ratio | 16.4379% | 2,385 |
| Total risk-based capital ratio | 17.6915% | 2,328 |
| Memoranda: | ||
| Average total assets | $161,692,000 | 3,406 |
| Average earning assets | $153,807,500 | 3,354 |
| Average equity | $17,689,000 | 3,454 |
| Average total loans | $110,878,000 | 3,235 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 4,021 |
| Cost of funding earning assets | 0.2396% | 4,658 |
| Net interest margin | 3.5216% | 3,348 |
| Noninterest income to average assets | 0.4473% | 3,564 |
| Noninterest expense to average assets | 2.6789% | 3,418 |
| Loan and lease loss provision to assets | 0.0609% | 3,156 |
| Net operating income to assets | 0.7144% | 3,715 |
| Return on assets (ROA) | 0.7144% | 3,833 |
| Pretax return on assets | 1.0742% | 3,200 |
| Return on Equity (ROE) | 6.4880% | 3,741 |
| Retained earnings to average equity (ytd only) | 3.3420% | 3,542 |
| Net charge-offs to loans | -0.0296% | 5,242 |
| Credit loss provision to net charge-offs | -300.0000% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2379% | 2,863 |
| Assets per employee ($millions) | 3.4742% | 4,795 |
| Cash dividends to net income (ytd only)* | 48.4902% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,932 |
| Loan loss allowance to noncurrent loans | 727.1889% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 4,403 |
| Noncurrent loans to loans | 0.1977% | 4,448 |
| Net loans and leases to total assets | 67.7077% | 2,823 |
| Net loans and leases to deposits | 76.2359% | 3,296 |
| Net loans and leases to core deposits | 78.5247% | 3,532 |
| Total domestic deposits to total assets | 88.8133% | 1,201 |
| Equity capital to assets | 10.9771% | 2,648 |
| Core capital (leverage) ratio | 10.8100% | 2,527 |
| Tier 1 risk-based capital ratio | 16.0241% | 2,535 |
| Total risk-based capital ratio | 17.2780% | 2,473 |
| Memoranda: | ||
| Average total assets | $157,604,000 | 3,422 |
| Average earning assets | $150,672,000 | 3,363 |
| Average equity | $17,355,000 | 3,504 |
| Average total loans | $108,226,000 | 3,232 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 4,122 |
| Cost of funding earning assets | 0.2380% | 4,725 |
| Net interest margin | 3.4998% | 3,467 |
| Noninterest income to average assets | 0.4533% | 3,538 |
| Noninterest expense to average assets | 2.7056% | 3,332 |
| Loan and lease loss provision to assets | 0.0611% | 3,019 |
| Net operating income to assets | 0.6970% | 3,869 |
| Return on assets (ROA) | 0.6970% | 3,998 |
| Pretax return on assets | 1.0451% | 3,450 |
| Return on Equity (ROE) | 6.3245% | 3,916 |
| Retained earnings to average equity (ytd only) | 4.7222% | 2,994 |
| Net charge-offs to loans | -0.0322% | 5,190 |
| Credit loss provision to net charge-offs | -276.9231% | 4,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9800% | 2,744 |
| Assets per employee ($millions) | 3.4105% | 4,896 |
| Cash dividends to net income (ytd only)* | 25.3353% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 2,276 |
| Loan loss allowance to noncurrent loans | 694.1704% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 4,494 |
| Noncurrent loans to loans | 0.1992% | 4,554 |
| Net loans and leases to total assets | 70.3750% | 2,439 |
| Net loans and leases to deposits | 80.6635% | 2,888 |
| Net loans and leases to core deposits | 83.1783% | 3,200 |
| Total domestic deposits to total assets | 87.2451% | 1,780 |
| Equity capital to assets | 11.2493% | 2,746 |
| Core capital (leverage) ratio | 10.9687% | 2,478 |
| Tier 1 risk-based capital ratio | 15.6967% | 2,756 |
| Total risk-based capital ratio | 16.9503% | 2,687 |
| Memoranda: | ||
| Average total assets | $157,051,250 | 3,442 |
| Average earning assets | $150,710,750 | 3,377 |
| Average equity | $17,308,000 | 3,542 |
| Average total loans | $107,836,250 | 3,259 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 4,304 |
| Cost of funding earning assets | 0.2374% | 4,781 |
| Net interest margin | 3.4620% | 3,636 |
| Noninterest income to average assets | 0.4392% | 3,601 |
| Noninterest expense to average assets | 2.7370% | 3,242 |
| Loan and lease loss provision to assets | 0.0611% | 2,911 |
| Net operating income to assets | 0.6467% | 4,053 |
| Return on assets (ROA) | 0.6467% | 4,197 |
| Pretax return on assets | 0.9637% | 3,730 |
| Return on Equity (ROE) | 5.9088% | 4,088 |
| Retained earnings to average equity (ytd only) | 3.4895% | 3,674 |
| Net charge-offs to loans | -0.0244% | 5,036 |
| Credit loss provision to net charge-offs | -369.2308% | 4,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7580% | 2,556 |
| Assets per employee ($millions) | 3.4309% | 4,867 |
| Cash dividends to net income (ytd only)* | 40.9449% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 2,473 |
| Loan loss allowance to noncurrent loans | 436.7052% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 4,253 |
| Noncurrent loans to loans | 0.3122% | 4,244 |
| Net loans and leases to total assets | 69.2666% | 2,593 |
| Net loans and leases to deposits | 78.2862% | 3,126 |
| Net loans and leases to core deposits | 80.6763% | 3,393 |
| Total domestic deposits to total assets | 88.4788% | 1,175 |
| Equity capital to assets | 11.0130% | 3,047 |
| Core capital (leverage) ratio | 10.7018% | 2,739 |
| Tier 1 risk-based capital ratio | 16.0068% | 2,638 |
| Total risk-based capital ratio | 17.2599% | 2,574 |
| Memoranda: | ||
| Average total assets | $157,108,000 | 3,461 |
| Average earning assets | $150,781,330 | 3,397 |
| Average equity | $17,194,670 | 3,563 |
| Average total loans | $106,464,000 | 3,298 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5725% | 4,694 |
| Cost of funding earning assets | 0.2367% | 4,843 |
| Net interest margin | 3.3357% | 4,090 |
| Noninterest income to average assets | 0.4415% | 3,540 |
| Noninterest expense to average assets | 2.7458% | 3,253 |
| Loan and lease loss provision to assets | 0.0612% | 2,716 |
| Net operating income to assets | 0.5665% | 4,342 |
| Return on assets (ROA) | 0.5665% | 4,445 |
| Pretax return on assets | 0.8344% | 4,083 |
| Return on Equity (ROE) | 5.1925% | 4,401 |
| Retained earnings to average equity (ytd only) | 5.1925% | 2,823 |
| Net charge-offs to loans | -0.0269% | 5,013 |
| Credit loss provision to net charge-offs | -342.8571% | 4,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4029% | 2,268 |
| Assets per employee ($millions) | 3.4645% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 2,427 |
| Loan loss allowance to noncurrent loans | 237.7207% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 3,618 |
| Noncurrent loans to loans | 0.5885% | 3,425 |
| Net loans and leases to total assets | 65.4966% | 3,027 |
| Net loans and leases to deposits | 73.6351% | 3,477 |
| Net loans and leases to core deposits | 75.8476% | 3,697 |
| Total domestic deposits to total assets | 88.9475% | 1,131 |
| Equity capital to assets | 10.8228% | 3,138 |
| Core capital (leverage) ratio | 10.6936% | 2,739 |
| Tier 1 risk-based capital ratio | 16.7473% | 2,377 |
| Total risk-based capital ratio | 18.0014% | 2,321 |
| Memoranda: | ||
| Average total assets | $156,751,000 | 3,484 |
| Average earning assets | $150,372,500 | 3,420 |
| Average equity | $17,101,500 | 3,570 |
| Average total loans | $104,281,500 | 3,348 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4742% | 4,997 |
| Cost of funding earning assets | 0.2405% | 4,886 |
| Net interest margin | 3.2337% | 4,517 |
| Noninterest income to average assets | 0.4269% | 3,837 |
| Noninterest expense to average assets | 2.7541% | 3,401 |
| Loan and lease loss provision to assets | 0.0306% | 3,758 |
| Net operating income to assets | 0.5030% | 4,682 |
| Return on assets (ROA) | 0.5034% | 4,772 |
| Pretax return on assets | 0.7271% | 4,446 |
| Return on Equity (ROE) | 4.7000% | 4,654 |
| Retained earnings to average equity (ytd only) | 2.1894% | 4,469 |
| Net charge-offs to loans | -0.0372% | 5,472 |
| Credit loss provision to net charge-offs | -133.3333% | 5,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4392% | 1,898 |
| Assets per employee ($millions) | 3.6699% | 4,530 |
| Cash dividends to net income (ytd only)* | 53.4177% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 2,368 |
| Loan loss allowance to noncurrent loans | 633.1878% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 4,561 |
| Noncurrent loans to loans | 0.2230% | 4,629 |
| Net loans and leases to total assets | 65.6905% | 3,028 |
| Net loans and leases to deposits | 73.9881% | 3,498 |
| Net loans and leases to core deposits | 76.2922% | 3,730 |
| Total domestic deposits to total assets | 88.7852% | 1,233 |
| Equity capital to assets | 11.0001% | 2,824 |
| Core capital (leverage) ratio | 10.7618% | 2,647 |
| Tier 1 risk-based capital ratio | 16.9803% | 2,295 |
| Total risk-based capital ratio | 18.2347% | 2,241 |
| Memoranda: | ||
| Average total assets | $156,927,400 | 3,472 |
| Average earning assets | $149,673,800 | 3,410 |
| Average equity | $16,808,600 | 3,559 |
| Average total loans | $96,861,400 | 3,441 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4164% | 5,169 |
| Cost of funding earning assets | 0.2414% | 4,982 |
| Net interest margin | 3.1750% | 4,761 |
| Noninterest income to average assets | 0.4576% | 3,659 |
| Noninterest expense to average assets | 2.7406% | 3,422 |
| Loan and lease loss provision to assets | 0.0305% | 3,626 |
| Net operating income to assets | 0.4948% | 4,809 |
| Return on assets (ROA) | 0.4965% | 4,891 |
| Pretax return on assets | 0.7156% | 4,629 |
| Return on Equity (ROE) | 4.6664% | 4,770 |
| Retained earnings to average equity (ytd only) | 3.1162% | 4,237 |
| Net charge-offs to loans | -0.0280% | 5,328 |
| Credit loss provision to net charge-offs | -180.0000% | 5,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6599% | 1,865 |
| Assets per employee ($millions) | 3.4498% | 4,894 |
| Cash dividends to net income (ytd only)* | 33.2192% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 2,567 |
| Loan loss allowance to noncurrent loans | 437.5385% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 4,374 |
| Noncurrent loans to loans | 0.3215% | 4,448 |
| Net loans and leases to total assets | 64.2073% | 3,276 |
| Net loans and leases to deposits | 74.3817% | 3,499 |
| Net loans and leases to core deposits | 76.9010% | 3,701 |
| Total domestic deposits to total assets | 86.3213% | 2,372 |
| Equity capital to assets | 11.0158% | 3,010 |
| Core capital (leverage) ratio | 10.3868% | 3,174 |
| Tier 1 risk-based capital ratio | 15.3971% | 3,095 |
| Total risk-based capital ratio | 16.6499% | 3,020 |
| Memoranda: | ||
| Average total assets | $157,625,500 | 3,499 |
| Average earning assets | $150,252,750 | 3,431 |
| Average equity | $16,772,000 | 3,590 |
| Average total loans | $95,401,250 | 3,500 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3303% | 5,382 |
| Cost of funding earning assets | 0.2442% | 5,004 |
| Net interest margin | 3.0860% | 4,998 |
| Noninterest income to average assets | 0.4557% | 3,657 |
| Noninterest expense to average assets | 2.6890% | 3,630 |
| Loan and lease loss provision to assets | 0.0303% | 3,522 |
| Net operating income to assets | 0.4684% | 4,901 |
| Return on assets (ROA) | 0.4684% | 4,997 |
| Pretax return on assets | 0.6716% | 4,751 |
| Return on Equity (ROE) | 4.4532% | 4,836 |
| Retained earnings to average equity (ytd only) | 2.1125% | 4,654 |
| Net charge-offs to loans | -0.0299% | 5,333 |
| Credit loss provision to net charge-offs | -171.4286% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3001% | 1,867 |
| Assets per employee ($millions) | 3.5185% | 4,751 |
| Cash dividends to net income (ytd only)* | 52.5606% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 2,551 |
| Loan loss allowance to noncurrent loans | 257.1429% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 4,003 |
| Noncurrent loans to loans | 0.5610% | 3,771 |
| Net loans and leases to total assets | 60.5840% | 3,746 |
| Net loans and leases to deposits | 69.5340% | 3,979 |
| Net loans and leases to core deposits | 71.8184% | 4,157 |
| Total domestic deposits to total assets | 87.1285% | 2,093 |
| Equity capital to assets | 10.6389% | 3,282 |
| Core capital (leverage) ratio | 10.5275% | 2,921 |
| Tier 1 risk-based capital ratio | 15.7111% | 2,992 |
| Total risk-based capital ratio | 16.9636% | 2,946 |
| Memoranda: | ||
| Average total assets | $158,420,330 | 3,510 |
| Average earning assets | $150,679,330 | 3,445 |
| Average equity | $16,662,330 | 3,615 |
| Average total loans | $93,502,330 | 3,563 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2587% | 5,534 |
| Cost of funding earning assets | 0.2426% | 5,098 |
| Net interest margin | 3.0162% | 5,166 |
| Noninterest income to average assets | 0.4392% | 3,695 |
| Noninterest expense to average assets | 2.6605% | 3,719 |
| Loan and lease loss provision to assets | 0.0303% | 3,286 |
| Net operating income to assets | 0.4468% | 4,888 |
| Return on assets (ROA) | 0.4468% | 5,003 |
| Pretax return on assets | 0.6361% | 4,806 |
| Return on Equity (ROE) | 4.2725% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.2725% | 3,450 |
| Net charge-offs to loans | -0.0349% | 5,336 |
| Credit loss provision to net charge-offs | -150.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9697% | 1,901 |
| Assets per employee ($millions) | 3.5758% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 2,463 |
| Loan loss allowance to noncurrent loans | 108.3659% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0907% | 2,443 |
| Noncurrent loans to loans | 1.3795% | 2,081 |
| Net loans and leases to total assets | 56.7566% | 4,117 |
| Net loans and leases to deposits | 63.5530% | 4,420 |
| Net loans and leases to core deposits | 65.4364% | 4,576 |
| Total domestic deposits to total assets | 89.3058% | 1,089 |
| Equity capital to assets | 10.4928% | 3,543 |
| Core capital (leverage) ratio | 10.5674% | 2,886 |
| Tier 1 risk-based capital ratio | 16.9813% | 2,485 |
| Total risk-based capital ratio | 18.2325% | 2,441 |
| Memoranda: | ||
| Average total assets | $158,463,500 | 3,528 |
| Average earning assets | $151,715,500 | 3,438 |
| Average equity | $16,571,000 | 3,657 |
| Average total loans | $91,589,000 | 3,620 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3284% | 5,662 |
| Cost of funding earning assets | 0.2792% | 5,010 |
| Net interest margin | 3.0492% | 5,316 |
| Noninterest income to average assets | 0.4838% | 3,627 |
| Noninterest expense to average assets | 2.7412% | 3,708 |
| Loan and lease loss provision to assets | 0.0309% | 3,987 |
| Net operating income to assets | 0.4473% | 5,039 |
| Return on assets (ROA) | 0.4510% | 5,106 |
| Pretax return on assets | 0.6324% | 4,830 |
| Return on Equity (ROE) | 4.3444% | 4,960 |
| Retained earnings to average equity (ytd only) | 2.1319% | 4,716 |
| Net charge-offs to loans | 0.0237% | 4,365 |
| Credit loss provision to net charge-offs | 228.5714% | 1,098 |
| Earnings coverage of net charge-offs (x) | 48.7143% | 947 |
| Efficiency ratio | 80.6397% | 1,827 |
| Assets per employee ($millions) | 3.6283% | 4,665 |
| Cash dividends to net income (ytd only)* | 50.9272% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 2,427 |
| Loan loss allowance to noncurrent loans | 309.0498% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5884% | 3,823 |
| Noncurrent loans to loans | 0.4886% | 4,198 |
| Net loans and leases to total assets | 57.1085% | 4,179 |
| Net loans and leases to deposits | 63.8941% | 4,535 |
| Net loans and leases to core deposits | 65.7247% | 4,689 |
| Total domestic deposits to total assets | 89.3800% | 1,030 |
| Equity capital to assets | 10.4207% | 3,589 |
| Core capital (leverage) ratio | 10.4012% | 3,060 |
| Tier 1 risk-based capital ratio | 17.9353% | 2,159 |
| Total risk-based capital ratio | 19.1854% | 2,127 |
| Memoranda: | ||
| Average total assets | $155,441,200 | 3,559 |
| Average earning assets | $148,631,200 | 3,467 |
| Average equity | $16,135,800 | 3,647 |
| Average total loans | $88,735,400 | 3,659 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2921% | 5,784 |
| Cost of funding earning assets | 0.2854% | 5,041 |
| Net interest margin | 3.0067% | 5,491 |
| Noninterest income to average assets | 0.4877% | 3,634 |
| Noninterest expense to average assets | 2.7285% | 3,721 |
| Loan and lease loss provision to assets | 0.0309% | 3,791 |
| Net operating income to assets | 0.4346% | 5,131 |
| Return on assets (ROA) | 0.4396% | 5,187 |
| Pretax return on assets | 0.6113% | 4,993 |
| Return on Equity (ROE) | 4.2387% | 5,065 |
| Retained earnings to average equity (ytd only) | 2.8976% | 4,538 |
| Net charge-offs to loans | 0.0362% | 3,764 |
| Credit loss provision to net charge-offs | 150.0000% | 1,580 |
| Earnings coverage of net charge-offs (x) | 30.8325% | 1,346 |
| Efficiency ratio | 81.1128% | 1,741 |
| Assets per employee ($millions) | 3.2917% | 5,251 |
| Cash dividends to net income (ytd only)* | 31.6399% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 2,854 |
| Loan loss allowance to noncurrent loans | 183.5598% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 3,460 |
| Noncurrent loans to loans | 0.8009% | 3,581 |
| Net loans and leases to total assets | 58.5259% | 3,999 |
| Net loans and leases to deposits | 65.6463% | 4,373 |
| Net loans and leases to core deposits | 67.6833% | 4,542 |
| Total domestic deposits to total assets | 89.1533% | 1,150 |
| Equity capital to assets | 10.5377% | 3,508 |
| Core capital (leverage) ratio | 10.4369% | 3,110 |
| Tier 1 risk-based capital ratio | 17.3872% | 2,435 |
| Total risk-based capital ratio | 18.6394% | 2,399 |
| Memoranda: | ||
| Average total assets | $155,297,250 | 3,586 |
| Average earning assets | $148,555,000 | 3,500 |
| Average equity | $16,105,250 | 3,678 |
| Average total loans | $88,303,000 | 3,699 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2246% | 5,915 |
| Cost of funding earning assets | 0.2901% | 5,075 |
| Net interest margin | 2.9345% | 5,667 |
| Noninterest income to average assets | 0.4798% | 3,634 |
| Noninterest expense to average assets | 2.7011% | 3,861 |
| Loan and lease loss provision to assets | 0.0309% | 3,662 |
| Net operating income to assets | 0.4054% | 5,203 |
| Return on assets (ROA) | 0.4129% | 5,244 |
| Pretax return on assets | 0.5685% | 5,060 |
| Return on Equity (ROE) | 4.0027% | 5,150 |
| Retained earnings to average equity (ytd only) | 1.9826% | 4,886 |
| Net charge-offs to loans | 0.0207% | 3,801 |
| Credit loss provision to net charge-offs | 266.6667% | 943 |
| Earnings coverage of net charge-offs (x) | 50.8889% | 901 |
| Efficiency ratio | 82.0954% | 1,729 |
| Assets per employee ($millions) | 3.4080% | 5,037 |
| Cash dividends to net income (ytd only)* | 50.4673% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 2,978 |
| Loan loss allowance to noncurrent loans | 341.0579% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 4,301 |
| Noncurrent loans to loans | 0.4352% | 4,682 |
| Net loans and leases to total assets | 57.3293% | 4,073 |
| Net loans and leases to deposits | 64.0827% | 4,487 |
| Net loans and leases to core deposits | 66.0362% | 4,639 |
| Total domestic deposits to total assets | 89.4615% | 1,112 |
| Equity capital to assets | 10.2846% | 3,716 |
| Core capital (leverage) ratio | 10.2186% | 3,313 |
| Tier 1 risk-based capital ratio | 17.4800% | 2,421 |
| Total risk-based capital ratio | 18.7331% | 2,396 |
| Memoranda: | ||
| Average total assets | $155,492,670 | 3,602 |
| Average earning assets | $148,915,670 | 3,503 |
| Average equity | $16,039,330 | 3,684 |
| Average total loans | $87,105,000 | 3,741 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1921% | 6,017 |
| Cost of funding earning assets | 0.2966% | 5,098 |
| Net interest margin | 2.8955% | 5,762 |
| Noninterest income to average assets | 0.4262% | 3,977 |
| Noninterest expense to average assets | 2.6916% | 3,955 |
| Loan and lease loss provision to assets | 0.0310% | 3,417 |
| Net operating income to assets | 0.3541% | 5,298 |
| Return on assets (ROA) | 0.3694% | 5,302 |
| Pretax return on assets | 0.4985% | 5,175 |
| Return on Equity (ROE) | 3.5756% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.5756% | 3,987 |
| Net charge-offs to loans | -0.0141% | 5,183 |
| Credit loss provision to net charge-offs | -400.0000% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1001% | 1,662 |
| Assets per employee ($millions) | 3.5865% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 2,864 |
| Loan loss allowance to noncurrent loans | 129.3219% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.8029% | 3,733 |
| Noncurrent loans to loans | 1.2097% | 3,025 |
| Net loans and leases to total assets | 53.9885% | 4,424 |
| Net loans and leases to deposits | 60.2335% | 4,738 |
| Net loans and leases to core deposits | 62.0768% | 4,871 |
| Total domestic deposits to total assets | 89.6321% | 1,290 |
| Equity capital to assets | 10.1797% | 3,621 |
| Core capital (leverage) ratio | 10.3099% | 3,164 |
| Tier 1 risk-based capital ratio | 18.2188% | 2,196 |
| Total risk-based capital ratio | 19.4728% | 2,164 |
| Memoranda: | ||
| Average total assets | $154,855,000 | 3,636 |
| Average earning assets | $148,367,500 | 3,532 |
| Average equity | $15,997,500 | 3,699 |
| Average total loans | $85,043,500 | 3,824 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3015% | 5,998 |
| Cost of funding earning assets | 0.3719% | 4,927 |
| Net interest margin | 2.9296% | 5,730 |
| Noninterest income to average assets | 0.4804% | 3,884 |
| Noninterest expense to average assets | 2.8007% | 3,721 |
| Loan and lease loss provision to assets | 0.0312% | 4,491 |
| Net operating income to assets | 0.3442% | 5,357 |
| Return on assets (ROA) | 0.3447% | 5,465 |
| Pretax return on assets | 0.4519% | 5,354 |
| Return on Equity (ROE) | 3.3436% | 5,384 |
| Retained earnings to average equity (ytd only) | 1.7064% | 5,019 |
| Net charge-offs to loans | -0.1228% | 6,527 |
| Credit loss provision to net charge-offs | -48.0000% | 5,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3075% | 1,489 |
| Assets per employee ($millions) | 3.4524% | 4,993 |
| Cash dividends to net income (ytd only)* | 48.9642% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 2,749 |
| Loan loss allowance to noncurrent loans | 118.6005% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.8880% | 3,674 |
| Noncurrent loans to loans | 1.3515% | 2,876 |
| Net loans and leases to total assets | 54.1111% | 4,567 |
| Net loans and leases to deposits | 60.5831% | 4,883 |
| Net loans and leases to core deposits | 62.6700% | 5,004 |
| Total domestic deposits to total assets | 89.3171% | 1,425 |
| Equity capital to assets | 10.4874% | 3,176 |
| Core capital (leverage) ratio | 9.7292% | 3,944 |
| Tier 1 risk-based capital ratio | 16.7960% | 2,713 |
| Total risk-based capital ratio | 18.0480% | 2,665 |
| Memoranda: | ||
| Average total assets | $154,032,000 | 3,641 |
| Average earning assets | $147,357,600 | 3,549 |
| Average equity | $15,881,000 | 3,722 |
| Average total loans | $81,429,600 | 3,893 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3105% | 6,047 |
| Cost of funding earning assets | 0.3853% | 4,947 |
| Net interest margin | 2.9252% | 5,757 |
| Noninterest income to average assets | 0.4727% | 3,984 |
| Noninterest expense to average assets | 2.8199% | 3,598 |
| Loan and lease loss provision to assets | 0.0311% | 4,383 |
| Net operating income to assets | 0.3245% | 5,516 |
| Return on assets (ROA) | 0.3252% | 5,638 |
| Pretax return on assets | 0.4192% | 5,575 |
| Return on Equity (ROE) | 3.1676% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.0754% | 5,087 |
| Net charge-offs to loans | -0.1467% | 6,587 |
| Credit loss provision to net charge-offs | -40.4494% | 5,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2533% | 1,339 |
| Assets per employee ($millions) | 3.4539% | 4,942 |
| Cash dividends to net income (ytd only)* | 34.4832% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 2,986 |
| Loan loss allowance to noncurrent loans | 522.2222% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 5,484 |
| Noncurrent loans to loans | 0.3072% | 5,457 |
| Net loans and leases to total assets | 53.1147% | 4,734 |
| Net loans and leases to deposits | 59.5264% | 5,030 |
| Net loans and leases to core deposits | 61.6962% | 5,147 |
| Total domestic deposits to total assets | 89.2289% | 1,440 |
| Equity capital to assets | 10.4783% | 3,305 |
| Core capital (leverage) ratio | 10.2753% | 3,279 |
| Tier 1 risk-based capital ratio | 16.9454% | 2,732 |
| Total risk-based capital ratio | 18.1977% | 2,693 |
| Memoranda: | ||
| Average total assets | $154,563,500 | 3,666 |
| Average earning assets | $147,767,250 | 3,580 |
| Average equity | $15,868,500 | 3,764 |
| Average total loans | $80,902,750 | 3,943 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2926% | 6,098 |
| Cost of funding earning assets | 0.4000% | 4,949 |
| Net interest margin | 2.8927% | 5,811 |
| Noninterest income to average assets | 0.4272% | 4,325 |
| Noninterest expense to average assets | 2.8026% | 3,664 |
| Loan and lease loss provision to assets | 0.0309% | 4,312 |
| Net operating income to assets | 0.2857% | 5,642 |
| Return on assets (ROA) | 0.2857% | 5,787 |
| Pretax return on assets | 0.3577% | 5,733 |
| Return on Equity (ROE) | 2.8013% | 5,700 |
| Retained earnings to average equity (ytd only) | 1.1609% | 5,437 |
| Net charge-offs to loans | -0.1962% | 6,658 |
| Credit loss provision to net charge-offs | -30.3797% | 5,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8226% | 1,237 |
| Assets per employee ($millions) | 3.5693% | 4,708 |
| Cash dividends to net income (ytd only)* | 58.5586% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 3,264 |
| Loan loss allowance to noncurrent loans | 499.6139% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 5,456 |
| Noncurrent loans to loans | 0.3144% | 5,510 |
| Net loans and leases to total assets | 52.8255% | 4,764 |
| Net loans and leases to deposits | 58.9892% | 5,071 |
| Net loans and leases to core deposits | 61.5023% | 5,143 |
| Total domestic deposits to total assets | 89.5510% | 1,292 |
| Equity capital to assets | 10.2327% | 3,620 |
| Core capital (leverage) ratio | 10.0651% | 3,424 |
| Tier 1 risk-based capital ratio | 16.7576% | 2,812 |
| Total risk-based capital ratio | 18.0092% | 2,783 |
| Memoranda: | ||
| Average total assets | $155,427,670 | 3,682 |
| Average earning assets | $148,514,330 | 3,588 |
| Average equity | $15,850,000 | 3,795 |
| Average total loans | $80,525,330 | 3,971 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2746% | 6,199 |
| Cost of funding earning assets | 0.4204% | 4,907 |
| Net interest margin | 2.8542% | 5,904 |
| Noninterest income to average assets | 0.3836% | 4,591 |
| Noninterest expense to average assets | 2.7851% | 3,746 |
| Loan and lease loss provision to assets | 0.0307% | 4,073 |
| Net operating income to assets | 0.2430% | 5,750 |
| Return on assets (ROA) | 0.2430% | 5,872 |
| Pretax return on assets | 0.2941% | 5,866 |
| Return on Equity (ROE) | 2.3866% | 5,818 |
| Retained earnings to average equity (ytd only) | 2.3866% | 4,834 |
| Net charge-offs to loans | -0.4723% | 6,846 |
| Credit loss provision to net charge-offs | -12.7660% | 4,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5559% | 1,181 |
| Assets per employee ($millions) | 3.2736% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 3,388 |
| Loan loss allowance to noncurrent loans | 461.5658% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 5,552 |
| Noncurrent loans to loans | 0.3473% | 5,534 |
| Net loans and leases to total assets | 50.6720% | 4,899 |
| Net loans and leases to deposits | 56.5448% | 5,194 |
| Net loans and leases to core deposits | 58.8958% | 5,257 |
| Total domestic deposits to total assets | 89.6140% | 1,289 |
| Equity capital to assets | 10.1525% | 3,954 |
| Core capital (leverage) ratio | 10.0346% | 3,330 |
| Tier 1 risk-based capital ratio | 16.7711% | 2,876 |
| Total risk-based capital ratio | 18.0225% | 2,840 |
| Memoranda: | ||
| Average total assets | $156,402,000 | 3,702 |
| Average earning assets | $149,393,500 | 3,602 |
| Average equity | $15,922,500 | 3,830 |
| Average total loans | $79,603,000 | 4,021 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5429% | 6,305 |
| Cost of funding earning assets | 0.5346% | 4,955 |
| Net interest margin | 3.0083% | 6,036 |
| Noninterest income to average assets | 0.5026% | 3,880 |
| Noninterest expense to average assets | 2.7369% | 4,264 |
| Loan and lease loss provision to assets | 0.0192% | 5,663 |
| Net operating income to assets | 0.4248% | 4,988 |
| Return on assets (ROA) | 0.4257% | 5,237 |
| Pretax return on assets | 0.5905% | 5,020 |
| Return on Equity (ROE) | 4.2251% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.0034% | 4,117 |
| Net charge-offs to loans | 0.1059% | 4,602 |
| Credit loss provision to net charge-offs | 35.7143% | 5,010 |
| Earnings coverage of net charge-offs (x) | 11.2976% | 2,050 |
| Efficiency ratio | 81.8130% | 1,891 |
| Assets per employee ($millions) | 3.2431% | 5,530 |
| Cash dividends to net income (ytd only)* | 28.9157% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 3,655 |
| Loan loss allowance to noncurrent loans | 288.3777% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 4,978 |
| Noncurrent loans to loans | 0.5276% | 5,209 |
| Net loans and leases to total assets | 49.5246% | 5,234 |
| Net loans and leases to deposits | 55.3227% | 5,512 |
| Net loans and leases to core deposits | 57.7651% | 5,572 |
| Total domestic deposits to total assets | 89.5195% | 1,233 |
| Equity capital to assets | 10.2088% | 3,876 |
| Core capital (leverage) ratio | 10.0965% | 3,278 |
| Tier 1 risk-based capital ratio | 17.1358% | 2,589 |
| Total risk-based capital ratio | 18.3860% | 2,560 |
| Memoranda: | ||
| Average total assets | $155,977,800 | 3,686 |
| Average earning assets | $147,394,400 | 3,598 |
| Average equity | $15,715,600 | 3,824 |
| Average total loans | $79,286,000 | 4,059 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1348% | 6,835 |
| Cost of funding earning assets | 0.4981% | 5,447 |
| Net interest margin | 2.6367% | 6,720 |
| Noninterest income to average assets | 0.5345% | 3,715 |
| Noninterest expense to average assets | 2.6991% | 4,367 |
| Loan and lease loss provision to assets | 0.0175% | 5,585 |
| Net operating income to assets | 0.2849% | 5,666 |
| Return on assets (ROA) | 0.2859% | 5,863 |
| Pretax return on assets | 0.3454% | 5,855 |
| Return on Equity (ROE) | 2.7928% | 5,753 |
| Retained earnings to average equity (ytd only) | 1.6985% | 5,480 |
| Net charge-offs to loans | 0.0403% | 5,084 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 20.6660% | 1,438 |
| Efficiency ratio | 88.1815% | 1,177 |
| Assets per employee ($millions) | 3.0344% | 5,994 |
| Cash dividends to net income (ytd only)* | 39.1845% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8234% | 2,719 |
| Loan loss allowance to noncurrent loans | 253.5714% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 5,317 |
| Noncurrent loans to loans | 0.7191% | 4,993 |
| Net loans and leases to total assets | 44.2652% | 5,945 |
| Net loans and leases to deposits | 49.7373% | 6,131 |
| Net loans and leases to core deposits | 51.5481% | 6,211 |
| Total domestic deposits to total assets | 88.9980% | 1,424 |
| Equity capital to assets | 10.5682% | 3,769 |
| Core capital (leverage) ratio | 10.1823% | 3,306 |
| Tier 1 risk-based capital ratio | 18.5503% | 2,143 |
| Total risk-based capital ratio | 19.8029% | 2,112 |
| Memoranda: | ||
| Average total assets | $114,255,500 | 4,532 |
| Average earning assets | $109,478,250 | 4,402 |
| Average equity | $11,696,500 | 4,673 |
| Average total loans | $49,604,750 | 5,185 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1176% | 6,923 |
| Cost of funding earning assets | 0.5102% | 5,554 |
| Net interest margin | 2.6074% | 6,811 |
| Noninterest income to average assets | 0.5308% | 3,722 |
| Noninterest expense to average assets | 2.6698% | 4,538 |
| Loan and lease loss provision to assets | 0.0261% | 5,337 |
| Net operating income to assets | 0.2770% | 5,682 |
| Return on assets (ROA) | 0.2785% | 5,875 |
| Pretax return on assets | 0.3359% | 5,874 |
| Return on Equity (ROE) | 2.7491% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.0996% | 5,632 |
| Net charge-offs to loans | 0.0893% | 4,257 |
| Credit loss provision to net charge-offs | 68.1818% | 3,609 |
| Earnings coverage of net charge-offs (x) | 9.4091% | 2,170 |
| Efficiency ratio | 88.1103% | 1,227 |
| Assets per employee ($millions) | 3.2093% | 5,631 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 2,775 |
| Loan loss allowance to noncurrent loans | 234.8718% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 5,389 |
| Noncurrent loans to loans | 0.7759% | 4,956 |
| Net loans and leases to total assets | 42.7122% | 6,130 |
| Net loans and leases to deposits | 47.7572% | 6,326 |
| Net loans and leases to core deposits | 49.4370% | 6,373 |
| Total domestic deposits to total assets | 89.4362% | 1,249 |
| Equity capital to assets | 10.1830% | 4,076 |
| Core capital (leverage) ratio | 10.0688% | 3,328 |
| Tier 1 risk-based capital ratio | 17.9361% | 2,314 |
| Total risk-based capital ratio | 19.1888% | 2,280 |
| Memoranda: | ||
| Average total assets | $114,917,000 | 4,531 |
| Average earning assets | $110,147,670 | 4,409 |
| Average equity | $11,640,330 | 4,686 |
| Average total loans | $49,266,330 | 5,223 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1518% | 6,978 |
| Cost of funding earning assets | 0.5216% | 5,669 |
| Net interest margin | 2.6301% | 6,854 |
| Noninterest income to average assets | 0.5340% | 3,672 |
| Noninterest expense to average assets | 2.6700% | 4,544 |
| Loan and lease loss provision to assets | 0.0314% | 4,977 |
| Net operating income to assets | 0.2827% | 5,712 |
| Return on assets (ROA) | 0.2827% | 5,876 |
| Pretax return on assets | 0.3490% | 5,858 |
| Return on Equity (ROE) | 2.7984% | 5,788 |
| Retained earnings to average equity (ytd only) | 2.7984% | 4,857 |
| Net charge-offs to loans | 0.2789% | 2,554 |
| Credit loss provision to net charge-offs | 26.4706% | 3,681 |
| Earnings coverage of net charge-offs (x) | 3.2059% | 2,918 |
| Efficiency ratio | 87.5286% | 1,333 |
| Assets per employee ($millions) | 3.2016% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8572% | 2,817 |
| Loan loss allowance to noncurrent loans | 205.4920% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 5,367 |
| Noncurrent loans to loans | 0.9038% | 4,863 |
| Net loans and leases to total assets | 41.1732% | 6,252 |
| Net loans and leases to deposits | 45.8981% | 6,437 |
| Net loans and leases to core deposits | 47.3924% | 6,488 |
| Total domestic deposits to total assets | 89.7056% | 1,241 |
| Equity capital to assets | 10.0515% | 4,065 |
| Core capital (leverage) ratio | 10.1114% | 3,224 |
| Tier 1 risk-based capital ratio | 18.4755% | 2,152 |
| Total risk-based capital ratio | 19.7272% | 2,125 |
| Memoranda: | ||
| Average total assets | $114,607,500 | 4,577 |
| Average earning assets | $109,653,000 | 4,444 |
| Average equity | $11,578,000 | 4,704 |
| Average total loans | $48,767,500 | 5,276 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3716% | 7,066 |
| Cost of funding earning assets | 0.6633% | 5,753 |
| Net interest margin | 2.7083% | 6,915 |
| Noninterest income to average assets | 0.5840% | 3,260 |
| Noninterest expense to average assets | 2.8203% | 4,269 |
| Loan and lease loss provision to assets | 0.0223% | 6,299 |
| Net operating income to assets | 0.2766% | 5,345 |
| Return on assets (ROA) | 0.2804% | 5,483 |
| Pretax return on assets | 0.3267% | 5,487 |
| Return on Equity (ROE) | 2.7262% | 5,394 |
| Retained earnings to average equity (ytd only) | 1.0645% | 5,358 |
| Net charge-offs to loans | 0.0830% | 5,491 |
| Credit loss provision to net charge-offs | 60.9756% | 5,145 |
| Earnings coverage of net charge-offs (x) | 9.4390% | 1,981 |
| Efficiency ratio | 89.1139% | 1,259 |
| Assets per employee ($millions) | 3.1655% | 5,781 |
| Cash dividends to net income (ytd only)* | 60.9524% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 2,643 |
| Loan loss allowance to noncurrent loans | 184.6000% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 5,307 |
| Noncurrent loans to loans | 1.0166% | 4,675 |
| Net loans and leases to total assets | 42.3481% | 6,350 |
| Net loans and leases to deposits | 47.3044% | 6,543 |
| Net loans and leases to core deposits | 48.8758% | 6,599 |
| Total domestic deposits to total assets | 89.5225% | 1,252 |
| Equity capital to assets | 10.1537% | 3,970 |
| Core capital (leverage) ratio | 10.1824% | 3,112 |
| Tier 1 risk-based capital ratio | 19.2873% | 1,822 |
| Total risk-based capital ratio | 20.5409% | 1,791 |
| Memoranda: | ||
| Average total assets | $112,330,200 | 4,585 |
| Average earning assets | $107,040,400 | 4,478 |
| Average equity | $11,554,600 | 4,646 |
| Average total loans | $49,368,600 | 5,288 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4308% | 7,123 |
| Cost of funding earning assets | 0.6929% | 5,810 |
| Net interest margin | 2.7379% | 6,958 |
| Noninterest income to average assets | 0.5813% | 3,291 |
| Noninterest expense to average assets | 2.8543% | 4,128 |
| Loan and lease loss provision to assets | 0.0298% | 6,064 |
| Net operating income to assets | 0.2687% | 5,511 |
| Return on assets (ROA) | 0.2740% | 5,651 |
| Pretax return on assets | 0.3109% | 5,682 |
| Return on Equity (ROE) | 2.6550% | 5,556 |
| Retained earnings to average equity (ytd only) | 1.5468% | 5,363 |
| Net charge-offs to loans | -0.0135% | 6,823 |
| Credit loss provision to net charge-offs | -500.0000% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5032% | 1,199 |
| Assets per employee ($millions) | 2.9019% | 6,304 |
| Cash dividends to net income (ytd only)* | 41.7400% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 2,360 |
| Loan loss allowance to noncurrent loans | 198.7680% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 5,432 |
| Noncurrent loans to loans | 1.0017% | 4,887 |
| Net loans and leases to total assets | 43.2100% | 6,409 |
| Net loans and leases to deposits | 48.6428% | 6,592 |
| Net loans and leases to core deposits | 50.4617% | 6,651 |
| Total domestic deposits to total assets | 88.8314% | 1,532 |
| Equity capital to assets | 10.6109% | 3,558 |
| Core capital (leverage) ratio | 10.1200% | 3,287 |
| Tier 1 risk-based capital ratio | 19.1910% | 1,876 |
| Total risk-based capital ratio | 20.4455% | 1,845 |
| Memoranda: | ||
| Average total assets | $111,923,250 | 4,622 |
| Average earning assets | $106,601,500 | 4,515 |
| Average equity | $11,550,500 | 4,679 |
| Average total loans | $49,415,250 | 5,329 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4356% | 7,197 |
| Cost of funding earning assets | 0.7084% | 5,910 |
| Net interest margin | 2.7272% | 7,000 |
| Noninterest income to average assets | 0.5530% | 3,458 |
| Noninterest expense to average assets | 2.8665% | 4,160 |
| Loan and lease loss provision to assets | 0.0445% | 5,757 |
| Net operating income to assets | 0.2330% | 5,624 |
| Return on assets (ROA) | 0.2347% | 5,733 |
| Pretax return on assets | 0.2454% | 5,819 |
| Return on Equity (ROE) | 2.2956% | 5,683 |
| Retained earnings to average equity (ytd only) | 0.6261% | 5,610 |
| Net charge-offs to loans | -0.0362% | 6,965 |
| Credit loss provision to net charge-offs | -277.7778% | 6,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8681% | 1,181 |
| Assets per employee ($millions) | 3.0920% | 5,897 |
| Cash dividends to net income (ytd only)* | 72.7273% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9780% | 2,429 |
| Loan loss allowance to noncurrent loans | 126.1997% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.9213% | 5,027 |
| Noncurrent loans to loans | 1.5674% | 4,062 |
| Net loans and leases to total assets | 42.1466% | 6,583 |
| Net loans and leases to deposits | 47.1555% | 6,768 |
| Net loans and leases to core deposits | 48.6898% | 6,824 |
| Total domestic deposits to total assets | 89.3779% | 1,313 |
| Equity capital to assets | 10.1186% | 3,993 |
| Core capital (leverage) ratio | 9.8591% | 3,438 |
| Tier 1 risk-based capital ratio | 18.0725% | 2,152 |
| Total risk-based capital ratio | 19.3261% | 2,106 |
| Memoranda: | ||
| Average total assets | $112,473,330 | 4,642 |
| Average earning assets | $107,288,670 | 4,527 |
| Average equity | $11,500,330 | 4,687 |
| Average total loans | $49,681,330 | 5,371 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5436% | 7,180 |
| Cost of funding earning assets | 0.7381% | 5,934 |
| Net interest margin | 2.8055% | 6,896 |
| Noninterest income to average assets | 0.5237% | 3,698 |
| Noninterest expense to average assets | 2.8948% | 4,079 |
| Loan and lease loss provision to assets | 0.0538% | 5,331 |
| Net operating income to assets | 0.2369% | 5,658 |
| Return on assets (ROA) | 0.2403% | 5,714 |
| Pretax return on assets | 0.2511% | 5,805 |
| Return on Equity (ROE) | 2.3381% | 5,665 |
| Retained earnings to average equity (ytd only) | 2.3381% | 4,746 |
| Net charge-offs to loans | 0.0240% | 4,749 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 875 |
| Efficiency ratio | 90.5724% | 1,281 |
| Assets per employee ($millions) | 3.2045% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8663% | 2,800 |
| Loan loss allowance to noncurrent loans | 124.8031% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 5,088 |
| Noncurrent loans to loans | 1.4954% | 4,227 |
| Net loans and leases to total assets | 43.3465% | 6,519 |
| Net loans and leases to deposits | 48.3350% | 6,734 |
| Net loans and leases to core deposits | 49.7641% | 6,787 |
| Total domestic deposits to total assets | 89.6794% | 1,372 |
| Equity capital to assets | 9.9540% | 3,836 |
| Core capital (leverage) ratio | 10.0593% | 3,080 |
| Tier 1 risk-based capital ratio | 17.7734% | 2,189 |
| Total risk-based capital ratio | 19.0264% | 2,156 |
| Memoranda: | ||
| Average total assets | $111,508,500 | 4,700 |
| Average earning assets | $106,220,000 | 4,589 |
| Average equity | $11,462,500 | 4,681 |
| Average total loans | $49,927,000 | 5,392 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9562% | 7,163 |
| Cost of funding earning assets | 0.9038% | 6,162 |
| Net interest margin | 3.0524% | 6,634 |
| Noninterest income to average assets | 0.6174% | 3,361 |
| Noninterest expense to average assets | 2.9112% | 4,178 |
| Loan and lease loss provision to assets | 0.1410% | 5,773 |
| Net operating income to assets | 0.4077% | 4,510 |
| Return on assets (ROA) | 0.4147% | 4,614 |
| Pretax return on assets | 0.4866% | 4,670 |
| Return on Equity (ROE) | 3.9320% | 4,558 |
| Retained earnings to average equity (ytd only) | 1.8349% | 4,578 |
| Net charge-offs to loans | 0.1812% | 5,228 |
| Credit loss provision to net charge-offs | 177.9070% | 1,866 |
| Earnings coverage of net charge-offs (x) | 7.8140% | 2,062 |
| Efficiency ratio | 82.4589% | 2,105 |
| Assets per employee ($millions) | 2.9096% | 6,300 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 2,502 |
| Loan loss allowance to noncurrent loans | 123.7154% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.9558% | 5,101 |
| Noncurrent loans to loans | 1.5522% | 4,173 |
| Net loans and leases to total assets | 44.5484% | 6,669 |
| Net loans and leases to deposits | 50.1123% | 6,850 |
| Net loans and leases to core deposits | 51.4118% | 6,930 |
| Total domestic deposits to total assets | 88.8970% | 1,717 |
| Equity capital to assets | 10.6283% | 3,040 |
| Core capital (leverage) ratio | 10.4207% | 2,645 |
| Tier 1 risk-based capital ratio | 18.3474% | 1,895 |
| Total risk-based capital ratio | 19.6014% | 1,855 |
| Memoranda: | ||
| Average total assets | $108,511,800 | 4,757 |
| Average earning assets | $103,558,400 | 4,618 |
| Average equity | $11,444,600 | 4,747 |
| Average total loans | $47,467,400 | 5,580 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9824% | 7,292 |
| Cost of funding earning assets | 0.9327% | 6,263 |
| Net interest margin | 3.0497% | 6,730 |
| Noninterest income to average assets | 0.6131% | 3,364 |
| Noninterest expense to average assets | 2.9247% | 3,998 |
| Loan and lease loss provision to assets | 0.1876% | 5,167 |
| Net operating income to assets | 0.3688% | 4,891 |
| Return on assets (ROA) | 0.3765% | 5,044 |
| Pretax return on assets | 0.4243% | 5,154 |
| Return on Equity (ROE) | 3.5763% | 4,976 |
| Retained earnings to average equity (ytd only) | 2.4581% | 4,700 |
| Net charge-offs to loans | 0.2179% | 4,636 |
| Credit loss provision to net charge-offs | 198.7013% | 1,802 |
| Earnings coverage of net charge-offs (x) | 6.3898% | 2,532 |
| Efficiency ratio | 82.8989% | 1,962 |
| Assets per employee ($millions) | 2.7962% | 6,590 |
| Cash dividends to net income (ytd only)* | 31.2714% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9323% | 2,395 |
| Loan loss allowance to noncurrent loans | 89.7630% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 1.2658% | 4,615 |
| Noncurrent loans to loans | 2.1527% | 3,507 |
| Net loans and leases to total assets | 45.2323% | 6,756 |
| Net loans and leases to deposits | 51.1124% | 6,940 |
| Net loans and leases to core deposits | 52.6067% | 7,026 |
| Total domestic deposits to total assets | 88.4957% | 1,676 |
| Equity capital to assets | 10.8690% | 3,090 |
| Core capital (leverage) ratio | 10.3073% | 2,906 |
| Tier 1 risk-based capital ratio | 18.3543% | 1,918 |
| Total risk-based capital ratio | 19.6071% | 1,878 |
| Memoranda: | ||
| Average total assets | $108,725,750 | 4,815 |
| Average earning assets | $103,921,750 | 4,672 |
| Average equity | $11,445,250 | 4,828 |
| Average total loans | $47,109,750 | 5,671 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 7,362 |
| Cost of funding earning assets | 0.9630% | 6,323 |
| Net interest margin | 3.0399% | 6,746 |
| Noninterest income to average assets | 0.6116% | 3,244 |
| Noninterest expense to average assets | 2.9138% | 4,024 |
| Loan and lease loss provision to assets | 0.1862% | 5,008 |
| Net operating income to assets | 0.3667% | 4,906 |
| Return on assets (ROA) | 0.3779% | 5,023 |
| Pretax return on assets | 0.4290% | 5,125 |
| Return on Equity (ROE) | 3.6282% | 4,952 |
| Retained earnings to average equity (ytd only) | 1.9455% | 4,895 |
| Net charge-offs to loans | 0.3658% | 3,534 |
| Credit loss provision to net charge-offs | 120.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | 3.8824% | 3,140 |
| Efficiency ratio | 82.8660% | 2,060 |
| Assets per employee ($millions) | 2.9887% | 6,161 |
| Cash dividends to net income (ytd only)* | 46.3768% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9535% | 2,295 |
| Loan loss allowance to noncurrent loans | 78.5336% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.2859% | 4,578 |
| Noncurrent loans to loans | 2.4874% | 3,165 |
| Net loans and leases to total assets | 40.3498% | 7,143 |
| Net loans and leases to deposits | 45.2687% | 7,281 |
| Net loans and leases to core deposits | 46.5296% | 7,331 |
| Total domestic deposits to total assets | 89.1340% | 1,361 |
| Equity capital to assets | 10.3217% | 3,623 |
| Core capital (leverage) ratio | 10.1317% | 3,018 |
| Tier 1 risk-based capital ratio | 18.8100% | 1,763 |
| Total risk-based capital ratio | 20.0633% | 1,732 |
| Memoranda: | ||
| Average total assets | $109,549,000 | 4,815 |
| Average earning assets | $104,673,000 | 4,674 |
| Average equity | $11,410,670 | 4,827 |
| Average total loans | $46,476,670 | 5,740 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 7,371 |
| Cost of funding earning assets | 0.9961% | 6,396 |
| Net interest margin | 3.1115% | 6,561 |
| Noninterest income to average assets | 0.5833% | 3,386 |
| Noninterest expense to average assets | 2.9276% | 3,959 |
| Loan and lease loss provision to assets | 0.1871% | 4,637 |
| Net operating income to assets | 0.3741% | 4,954 |
| Return on assets (ROA) | 0.3962% | 4,999 |
| Pretax return on assets | 0.4622% | 5,076 |
| Return on Equity (ROE) | 3.7865% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.7865% | 3,873 |
| Net charge-offs to loans | 0.5196% | 2,510 |
| Credit loss provision to net charge-offs | 83.6066% | 3,796 |
| Earnings coverage of net charge-offs (x) | 2.7869% | 3,154 |
| Efficiency ratio | 82.4380% | 2,217 |
| Assets per employee ($millions) | 3.0769% | 6,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8728% | 2,526 |
| Loan loss allowance to noncurrent loans | 95.4596% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 5,082 |
| Noncurrent loans to loans | 1.9618% | 3,843 |
| Net loans and leases to total assets | 40.7757% | 7,203 |
| Net loans and leases to deposits | 45.7248% | 7,339 |
| Net loans and leases to core deposits | 46.8726% | 7,401 |
| Total domestic deposits to total assets | 89.1764% | 1,427 |
| Equity capital to assets | 10.3090% | 3,464 |
| Core capital (leverage) ratio | 10.7079% | 2,448 |
| Tier 1 risk-based capital ratio | 18.9271% | 1,736 |
| Total risk-based capital ratio | 20.1801% | 1,696 |
| Memoranda: | ||
| Average total assets | $109,032,000 | 4,898 |
| Average earning assets | $104,000,500 | 4,756 |
| Average equity | $11,409,000 | 4,866 |
| Average total loans | $46,960,500 | 5,804 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 7,403 |
| Cost of funding earning assets | 1.4204% | 5,844 |
| Net interest margin | 3.0546% | 6,506 |
| Noninterest income to average assets | 0.6038% | 3,601 |
| Noninterest expense to average assets | 3.0403% | 3,990 |
| Loan and lease loss provision to assets | 0.2732% | 5,225 |
| Net operating income to assets | 0.2074% | 4,880 |
| Return on assets (ROA) | 0.2639% | 4,750 |
| Pretax return on assets | 0.2445% | 4,902 |
| Return on Equity (ROE) | 2.5011% | 4,705 |
| Retained earnings to average equity (ytd only) | -0.6670% | 5,162 |
| Net charge-offs to loans | 0.3119% | 4,682 |
| Credit loss provision to net charge-offs | 199.3243% | 1,964 |
| Earnings coverage of net charge-offs (x) | 3.3649% | 3,376 |
| Efficiency ratio | 86.8289% | 2,019 |
| Assets per employee ($millions) | 2.9805% | 6,270 |
| Cash dividends to net income (ytd only)* | 126.6667% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8186% | 2,483 |
| Loan loss allowance to noncurrent loans | 55.6905% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.6440% | 3,909 |
| Noncurrent loans to loans | 3.2656% | 2,337 |
| Net loans and leases to total assets | 43.8242% | 7,127 |
| Net loans and leases to deposits | 49.3379% | 7,295 |
| Net loans and leases to core deposits | 55.6164% | 7,416 |
| Total domestic deposits to total assets | 88.8245% | 1,553 |
| Equity capital to assets | 10.6238% | 3,045 |
| Core capital (leverage) ratio | 10.3348% | 2,755 |
| Tier 1 risk-based capital ratio | 18.3587% | 1,789 |
| Total risk-based capital ratio | 19.6108% | 1,746 |
| Memoranda: | ||
| Average total assets | $107,984,200 | 4,879 |
| Average earning assets | $102,434,000 | 4,781 |
| Average equity | $11,394,800 | 4,912 |
| Average total loans | $47,457,200 | 5,785 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 7,479 |
| Cost of funding earning assets | 1.5112% | 5,772 |
| Net interest margin | 3.0158% | 6,561 |
| Noninterest income to average assets | 0.5991% | 3,721 |
| Noninterest expense to average assets | 2.9672% | 4,176 |
| Loan and lease loss provision to assets | 0.2342% | 5,103 |
| Net operating income to assets | 0.2476% | 5,000 |
| Return on assets (ROA) | 0.3205% | 4,826 |
| Pretax return on assets | 0.3316% | 4,977 |
| Return on Equity (ROE) | 3.0425% | 4,774 |
| Retained earnings to average equity (ytd only) | -1.1819% | 5,531 |
| Net charge-offs to loans | 0.1155% | 5,529 |
| Credit loss provision to net charge-offs | 463.4146% | 843 |
| Earnings coverage of net charge-offs (x) | 9.7064% | 2,072 |
| Efficiency ratio | 85.8111% | 2,081 |
| Assets per employee ($millions) | 2.8043% | 6,640 |
| Cash dividends to net income (ytd only)* | 138.8450% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8041% | 2,264 |
| Loan loss allowance to noncurrent loans | 75.2799% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.2772% | 4,517 |
| Noncurrent loans to loans | 2.3965% | 3,145 |
| Net loans and leases to total assets | 44.6413% | 7,204 |
| Net loans and leases to deposits | 50.5590% | 7,382 |
| Net loans and leases to core deposits | 57.7344% | 7,477 |
| Total domestic deposits to total assets | 88.2954% | 1,519 |
| Equity capital to assets | 10.6658% | 3,323 |
| Core capital (leverage) ratio | 10.1768% | 3,088 |
| Tier 1 risk-based capital ratio | 18.4038% | 1,887 |
| Total risk-based capital ratio | 19.6568% | 1,835 |
| Memoranda: | ||
| Average total assets | $108,156,000 | 4,911 |
| Average earning assets | $102,523,750 | 4,802 |
| Average equity | $11,393,750 | 4,949 |
| Average total loans | $47,348,250 | 5,834 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1466% | 7,855 |
| Cost of funding earning assets | 1.4724% | 6,250 |
| Net interest margin | 2.6742% | 7,260 |
| Noninterest income to average assets | 0.4677% | 4,726 |
| Noninterest expense to average assets | 2.4302% | 6,371 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4812% | 4,171 |
| Return on assets (ROA) | 0.6017% | 3,776 |
| Pretax return on assets | 0.7121% | 3,957 |
| Return on Equity (ROE) | 5.3508% | 3,935 |
| Retained earnings to average equity (ytd only) | 0.3344% | 5,086 |
| Net charge-offs to loans | -0.0257% | 7,746 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0345% | 2,878 |
| Assets per employee ($millions) | 3.5467% | 4,695 |
| Cash dividends to net income (ytd only)* | 93.7500% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2222% | 1,203 |
| Loan loss allowance to noncurrent loans | 1,272.7273% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 6,732 |
| Noncurrent loans to loans | 0.1746% | 7,082 |
| Net loans and leases to total assets | 36.1850% | 7,698 |
| Net loans and leases to deposits | 41.1596% | 7,785 |
| Net loans and leases to core deposits | 46.4297% | 7,828 |
| Total domestic deposits to total assets | 87.9137% | 1,812 |
| Equity capital to assets | 11.2604% | 2,704 |
| Core capital (leverage) ratio | 10.9851% | 2,408 |
| Tier 1 risk-based capital ratio | 21.8500% | 1,276 |
| Total risk-based capital ratio | 23.1056% | 1,248 |
| Memoranda: | ||
| Average total assets | $85,096,330 | 5,613 |
| Average earning assets | $80,547,670 | 5,513 |
| Average equity | $9,568,670 | 5,494 |
| Average total loans | $31,176,670 | 6,663 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2289% | 7,895 |
| Cost of funding earning assets | 1.4996% | 6,400 |
| Net interest margin | 2.7293% | 7,140 |
| Noninterest income to average assets | 0.4748% | 4,553 |
| Noninterest expense to average assets | 2.3882% | 6,236 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4901% | 4,468 |
| Return on assets (ROA) | 0.7052% | 3,723 |
| Pretax return on assets | 0.9402% | 3,563 |
| Return on Equity (ROE) | 6.2758% | 3,915 |
| Retained earnings to average equity (ytd only) | -3.7655% | 6,393 |
| Net charge-offs to loans | -0.0387% | 7,628 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5162% | 3,079 |
| Assets per employee ($millions) | 3.4138% | 5,035 |
| Cash dividends to net income (ytd only)* | 160.0000% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2502% | 1,012 |
| Loan loss allowance to noncurrent loans | 1,270.9091% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 6,630 |
| Noncurrent loans to loans | 0.1771% | 7,018 |
| Net loans and leases to total assets | 35.5787% | 7,742 |
| Net loans and leases to deposits | 40.4247% | 7,829 |
| Net loans and leases to core deposits | 45.6466% | 7,874 |
| Total domestic deposits to total assets | 88.0123% | 1,743 |
| Equity capital to assets | 11.1440% | 2,857 |
| Core capital (leverage) ratio | 10.8926% | 2,589 |
| Tier 1 risk-based capital ratio | 21.6754% | 1,343 |
| Total risk-based capital ratio | 22.9305% | 1,308 |
| Memoranda: | ||
| Average total assets | $85,084,000 | 5,643 |
| Average earning assets | $80,020,500 | 5,548 |
| Average equity | $9,560,500 | 5,519 |
| Average total loans | $31,014,500 | 6,699 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3358% | 7,559 |
| Cost of funding earning assets | 2.0209% | 6,345 |
| Net interest margin | 3.3149% | 5,984 |
| Noninterest income to average assets | 0.4779% | 4,818 |
| Noninterest expense to average assets | 2.5034% | 5,988 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8339% | 3,288 |
| Return on assets (ROA) | 0.8209% | 3,185 |
| Pretax return on assets | 1.0908% | 3,056 |
| Return on Equity (ROE) | 7.0429% | 3,510 |
| Retained earnings to average equity (ytd only) | 1.6253% | 4,236 |
| Net charge-offs to loans | 0.0729% | 5,719 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 37.2917% | 993 |
| Efficiency ratio | 69.3178% | 4,474 |
| Assets per employee ($millions) | 3.0294% | 5,987 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2477% | 903 |
| Loan loss allowance to noncurrent loans | 3,026.0870% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 5,908 |
| Noncurrent loans to loans | 0.0743% | 7,203 |
| Net loans and leases to total assets | 35.6853% | 7,843 |
| Net loans and leases to deposits | 40.6301% | 7,931 |
| Net loans and leases to core deposits | 47.7256% | 7,932 |
| Total domestic deposits to total assets | 87.8298% | 1,547 |
| Equity capital to assets | 11.3296% | 2,773 |
| Core capital (leverage) ratio | 11.3182% | 2,355 |
| Tier 1 risk-based capital ratio | 22.8272% | 1,215 |
| Total risk-based capital ratio | 24.0825% | 1,186 |
| Memoranda: | ||
| Average total assets | $80,769,200 | 5,673 |
| Average earning assets | $76,351,600 | 5,573 |
| Average equity | $9,413,800 | 5,601 |
| Average total loans | $32,910,400 | 6,556 |