Home > Liberty Trust & Savings Bank > Performance and Condition Ratios
Liberty Trust & Savings 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 | 3.9664% | 4,015 |
| Cost of funding earning assets | 0.7377% | 3,870 |
| Net interest margin | 3.2286% | 2,802 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.8954% | 3,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0767% | 1,982 |
| Return on assets (ROA) | 1.1216% | 1,828 |
| Pretax return on assets | 1.3409% | 1,761 |
| Return on Equity (ROE) | 6.2700% | 3,468 |
| Retained earnings to average equity (ytd only) | 3.7556% | 3,040 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.5508% | 3,133 |
| Assets per employee ($millions) | 8.2588% | 1,301 |
| Cash dividends to net income (ytd only)* | 40.0643% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 965 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 55.3400% | 3,248 |
| Net loans and leases to deposits | 68.5084% | 2,987 |
| Net loans and leases to core deposits | 68.6896% | 3,368 |
| Total domestic deposits to total assets | 80.7800% | 3,346 |
| Equity capital to assets | 18.9429% | 316 |
| Core capital (leverage) ratio | 20.9396% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $166,452,000 | 3,219 |
| Average earning assets | $153,036,400 | 3,223 |
| Average equity | $29,795,200 | 2,266 |
| Average total loans | $87,041,200 | 3,331 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 3,969 |
| Cost of funding earning assets | 0.6522% | 3,861 |
| Net interest margin | 3.2698% | 2,753 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.8196% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1448% | 1,928 |
| Return on assets (ROA) | 1.1760% | 1,845 |
| Pretax return on assets | 1.4223% | 1,729 |
| Return on Equity (ROE) | 6.6700% | 3,508 |
| Retained earnings to average equity (ytd only) | 3.2764% | 3,449 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.7864% | 3,330 |
| Assets per employee ($millions) | 7.9619% | 1,363 |
| Cash dividends to net income (ytd only)* | 50.8498% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 878 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 55.0400% | 3,281 |
| Net loans and leases to deposits | 67.2816% | 3,036 |
| Net loans and leases to core deposits | 67.4634% | 3,352 |
| Total domestic deposits to total assets | 81.8000% | 3,250 |
| Equity capital to assets | 17.9147% | 347 |
| Core capital (leverage) ratio | 20.8883% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $166,771,250 | 3,224 |
| Average earning assets | $153,316,500 | 3,234 |
| Average equity | $29,421,750 | 2,276 |
| Average total loans | $85,592,750 | 3,351 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 3,954 |
| Cost of funding earning assets | 0.5995% | 3,755 |
| Net interest margin | 3.2480% | 2,871 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.7604% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1738% | 1,899 |
| Return on assets (ROA) | 1.2086% | 1,800 |
| Pretax return on assets | 1.4709% | 1,649 |
| Return on Equity (ROE) | 6.8800% | 3,503 |
| Retained earnings to average equity (ytd only) | 4.3674% | 3,111 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.2056% | 3,511 |
| Assets per employee ($millions) | 8.3394% | 1,166 |
| Cash dividends to net income (ytd only)* | 36.5591% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 843 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 51.0500% | 3,486 |
| Net loans and leases to deposits | 62.3822% | 3,282 |
| Net loans and leases to core deposits | 62.7283% | 3,507 |
| Total domestic deposits to total assets | 81.8400% | 3,263 |
| Equity capital to assets | 17.9096% | 346 |
| Core capital (leverage) ratio | 20.2284% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $169,282,333 | 3,215 |
| Average earning assets | $155,790,333 | 3,226 |
| Average equity | $29,720,000 | 2,273 |
| Average total loans | $84,435,667 | 3,369 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7045% | 4,014 |
| Cost of funding earning assets | 0.5259% | 3,610 |
| Net interest margin | 3.1785% | 3,165 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.7311% | 4,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1511% | 2,062 |
| Return on assets (ROA) | 1.1939% | 1,908 |
| Pretax return on assets | 1.4426% | 1,785 |
| Return on Equity (ROE) | 6.8700% | 3,550 |
| Retained earnings to average equity (ytd only) | 1.8216% | 3,732 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.4470% | 3,464 |
| Assets per employee ($millions) | 8.1114% | 1,287 |
| Cash dividends to net income (ytd only)* | 73.4774% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7541% | 719 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 46.9200% | 3,715 |
| Net loans and leases to deposits | 57.1734% | 3,497 |
| Net loans and leases to core deposits | 57.5982% | 3,654 |
| Total domestic deposits to total assets | 82.0700% | 3,474 |
| Equity capital to assets | 17.6629% | 318 |
| Core capital (leverage) ratio | 19.5710% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $170,529,500 | 3,256 |
| Average earning assets | $156,675,500 | 3,255 |
| Average equity | $29,644,500 | 2,308 |
| Average total loans | $83,363,500 | 3,415 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2111% | 3,807 |
| Cost of funding earning assets | 0.3080% | 2,809 |
| Net interest margin | 2.9030% | 3,672 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.7389% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1081% | 2,138 |
| Return on assets (ROA) | 1.1003% | 2,107 |
| Pretax return on assets | 1.3740% | 1,850 |
| Return on Equity (ROE) | 6.4600% | 3,733 |
| Retained earnings to average equity (ytd only) | 4.9812% | 3,064 |
| Net charge-offs to loans | -0.0012% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.6874% | 3,612 |
| Assets per employee ($millions) | 8.5360% | 1,074 |
| Cash dividends to net income (ytd only)* | 22.9016% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6714% | 839 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 49.1700% | 3,570 |
| Net loans and leases to deposits | 59.5182% | 3,358 |
| Net loans and leases to core deposits | 59.9556% | 3,509 |
| Total domestic deposits to total assets | 82.6200% | 3,508 |
| Equity capital to assets | 17.1053% | 328 |
| Core capital (leverage) ratio | 19.1247% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $175,400,800 | 3,230 |
| Average earning assets | $160,383,200 | 3,238 |
| Average equity | $29,872,400 | 2,341 |
| Average total loans | $81,761,800 | 3,390 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0940% | 3,691 |
| Cost of funding earning assets | 0.2666% | 2,524 |
| Net interest margin | 2.8273% | 3,671 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.6967% | 4,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0780% | 2,177 |
| Return on assets (ROA) | 1.0594% | 2,220 |
| Pretax return on assets | 1.2965% | 2,059 |
| Return on Equity (ROE) | 6.2300% | 3,752 |
| Retained earnings to average equity (ytd only) | 4.2653% | 3,356 |
| Net charge-offs to loans | -0.0016% | 3,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.2594% | 3,601 |
| Assets per employee ($millions) | 8.3042% | 1,172 |
| Cash dividends to net income (ytd only)* | 31.5039% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 723 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 44.5800% | 3,843 |
| Net loans and leases to deposits | 53.0533% | 3,662 |
| Net loans and leases to core deposits | 53.4288% | 3,781 |
| Total domestic deposits to total assets | 84.0400% | 3,497 |
| Equity capital to assets | 15.7304% | 389 |
| Core capital (leverage) ratio | 18.4471% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $176,571,250 | 3,244 |
| Average earning assets | $161,513,750 | 3,254 |
| Average equity | $30,040,000 | 2,368 |
| Average total loans | $80,858,500 | 3,414 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9751% | 3,616 |
| Cost of funding earning assets | 0.2310% | 2,491 |
| Net interest margin | 2.7441% | 3,591 |
| Noninterest income to average assets | 0.5471% | 1,960 |
| Noninterest expense to average assets | 1.6424% | 4,231 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1561% | 1,583 |
| Return on assets (ROA) | 1.1269% | 1,653 |
| Pretax return on assets | 1.3875% | 1,474 |
| Return on Equity (ROE) | 6.4641% | 3,456 |
| Retained earnings to average equity (ytd only) | 5.0341% | 2,697 |
| Net charge-offs to loans | -0.0025% | 3,171 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5688% | 4,003 |
| Assets per employee ($millions) | 8.1304% | 1,238 |
| Cash dividends to net income (ytd only)* | 22.1221% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 43.8955% | 3,842 |
| Net loans and leases to deposits | 52.4703% | 3,651 |
| Net loans and leases to core deposits | 53.2814% | 3,739 |
| Total domestic deposits to total assets | 83.6578% | 3,755 |
| Equity capital to assets | 16.1275% | 327 |
| Core capital (leverage) ratio | 18.3940% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,299,000 | 3,263 |
| Average earning assets | $162,750,000 | 3,294 |
| Average equity | $30,909,333 | 2,378 |
| Average total loans | $81,419,667 | 3,432 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8969% | 3,546 |
| Cost of funding earning assets | 0.2312% | 2,383 |
| Net interest margin | 2.6658% | 3,488 |
| Noninterest income to average assets | 0.8475% | 938 |
| Noninterest expense to average assets | 1.6724% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3142% | 972 |
| Return on assets (ROA) | 1.2849% | 1,024 |
| Pretax return on assets | 1.5953% | 835 |
| Return on Equity (ROE) | 7.1007% | 3,004 |
| Retained earnings to average equity (ytd only) | 4.3331% | 2,829 |
| Net charge-offs to loans | -0.0049% | 3,334 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6173% | 4,282 |
| Assets per employee ($millions) | 8.9207% | 945 |
| Cash dividends to net income (ytd only)* | 38.9771% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 44.8513% | 3,671 |
| Net loans and leases to deposits | 54.2291% | 3,402 |
| Net loans and leases to core deposits | 55.0786% | 3,520 |
| Total domestic deposits to total assets | 82.7071% | 3,980 |
| Equity capital to assets | 17.0805% | 263 |
| Core capital (leverage) ratio | 18.9901% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,514,500 | 3,286 |
| Average earning assets | $162,655,500 | 3,300 |
| Average equity | $31,940,500 | 2,387 |
| Average total loans | $82,158,500 | 3,432 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4308% | 2,850 |
| Cost of funding earning assets | 0.2721% | 2,684 |
| Net interest margin | 3.1587% | 2,715 |
| Noninterest income to average assets | 0.2206% | 4,048 |
| Noninterest expense to average assets | 1.8408% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0857% | 2,351 |
| Return on assets (ROA) | 1.1076% | 2,327 |
| Pretax return on assets | 1.3445% | 2,221 |
| Return on Equity (ROE) | 5.7337% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.5099% | 3,415 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2797% | 3,402 |
| Assets per employee ($millions) | 8.3150% | 1,163 |
| Cash dividends to net income (ytd only)* | 38.7841% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 1,006 |
| Loan loss allowance to noncurrent loans | 71,300.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,197 |
| Noncurrent loans to loans | 0.0024% | 4,109 |
| Net loans and leases to total assets | 46.6415% | 3,639 |
| Net loans and leases to deposits | 57.9290% | 3,264 |
| Net loans and leases to core deposits | 58.8823% | 3,399 |
| Total domestic deposits to total assets | 80.5148% | 4,162 |
| Equity capital to assets | 19.1318% | 208 |
| Core capital (leverage) ratio | 18.9588% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,258,000 | 3,279 |
| Average earning assets | $160,225,600 | 3,278 |
| Average equity | $33,277,200 | 2,373 |
| Average total loans | $80,952,400 | 3,466 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5751% | 2,623 |
| Cost of funding earning assets | 0.2775% | 2,827 |
| Net interest margin | 3.2976% | 2,421 |
| Noninterest income to average assets | 0.2066% | 4,166 |
| Noninterest expense to average assets | 1.7832% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2207% | 2,099 |
| Return on assets (ROA) | 1.2481% | 2,061 |
| Pretax return on assets | 1.5300% | 1,905 |
| Return on Equity (ROE) | 6.4450% | 3,808 |
| Retained earnings to average equity (ytd only) | 3.4772% | 3,747 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3689% | 3,754 |
| Assets per employee ($millions) | 8.1573% | 1,201 |
| Cash dividends to net income (ytd only)* | 46.0485% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8281% | 883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,154 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 44.7036% | 3,889 |
| Net loans and leases to deposits | 55.8298% | 3,590 |
| Net loans and leases to core deposits | 57.4124% | 3,668 |
| Total domestic deposits to total assets | 80.0711% | 4,219 |
| Equity capital to assets | 19.4794% | 213 |
| Core capital (leverage) ratio | 18.8099% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,668,750 | 3,314 |
| Average earning assets | $159,992,750 | 3,306 |
| Average equity | $33,244,750 | 2,402 |
| Average total loans | $80,473,250 | 3,518 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8132% | 2,036 |
| Cost of funding earning assets | 0.2861% | 2,905 |
| Net interest margin | 3.5271% | 1,784 |
| Noninterest income to average assets | 0.2131% | 4,126 |
| Noninterest expense to average assets | 1.7882% | 4,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3827% | 1,618 |
| Return on assets (ROA) | 1.4110% | 1,600 |
| Pretax return on assets | 1.7463% | 1,369 |
| Return on Equity (ROE) | 7.3005% | 3,575 |
| Retained earnings to average equity (ytd only) | 5.9693% | 2,811 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0978% | 4,136 |
| Assets per employee ($millions) | 7.9244% | 1,248 |
| Cash dividends to net income (ytd only)* | 18.2343% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7435% | 977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,225 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 46.0964% | 3,895 |
| Net loans and leases to deposits | 57.4009% | 3,605 |
| Net loans and leases to core deposits | 58.9937% | 3,686 |
| Total domestic deposits to total assets | 80.3060% | 4,189 |
| Equity capital to assets | 19.2638% | 216 |
| Core capital (leverage) ratio | 18.7963% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,790,333 | 3,321 |
| Average earning assets | $160,074,000 | 3,310 |
| Average equity | $33,203,333 | 2,392 |
| Average total loans | $81,296,000 | 3,526 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 1,845 |
| Cost of funding earning assets | 0.2998% | 2,996 |
| Net interest margin | 3.5926% | 1,609 |
| Noninterest income to average assets | 0.2275% | 4,015 |
| Noninterest expense to average assets | 1.8532% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3983% | 1,580 |
| Return on assets (ROA) | 1.4591% | 1,486 |
| Pretax return on assets | 1.7945% | 1,298 |
| Return on Equity (ROE) | 7.5364% | 3,466 |
| Retained earnings to average equity (ytd only) | 4.8587% | 3,269 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8713% | 4,003 |
| Assets per employee ($millions) | 7.8709% | 1,249 |
| Cash dividends to net income (ytd only)* | 35.5305% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7383% | 966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 4,292 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 46.5520% | 3,920 |
| Net loans and leases to deposits | 57.7623% | 3,660 |
| Net loans and leases to core deposits | 59.5696% | 3,733 |
| Total domestic deposits to total assets | 80.5924% | 4,127 |
| Equity capital to assets | 18.9854% | 225 |
| Core capital (leverage) ratio | 18.9888% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,517,000 | 3,329 |
| Average earning assets | $158,769,000 | 3,317 |
| Average equity | $33,013,000 | 2,393 |
| Average total loans | $81,049,500 | 3,539 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 3,383 |
| Cost of funding earning assets | 0.3692% | 3,771 |
| Net interest margin | 3.4030% | 2,772 |
| Noninterest income to average assets | 0.2574% | 3,936 |
| Noninterest expense to average assets | 2.0022% | 4,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1469% | 1,738 |
| Return on assets (ROA) | 1.1427% | 1,879 |
| Pretax return on assets | 1.4137% | 1,612 |
| Return on Equity (ROE) | 5.4797% | 3,754 |
| Retained earnings to average equity (ytd only) | 3.6634% | 3,000 |
| Net charge-offs to loans | 0.0108% | 2,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 244.3333% | 409 |
| Efficiency ratio | 58.5251% | 3,655 |
| Assets per employee ($millions) | 7.6307% | 1,201 |
| Cash dividends to net income (ytd only)* | 33.1451% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7811% | 886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 4,336 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 46.8432% | 4,069 |
| Net loans and leases to deposits | 58.7565% | 3,848 |
| Net loans and leases to core deposits | 60.7014% | 3,904 |
| Total domestic deposits to total assets | 79.7242% | 4,089 |
| Equity capital to assets | 19.7474% | 209 |
| Core capital (leverage) ratio | 19.6682% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,981,800 | 3,340 |
| Average earning assets | $144,079,400 | 3,332 |
| Average equity | $32,319,400 | 2,375 |
| Average total loans | $83,684,000 | 3,501 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 3,149 |
| Cost of funding earning assets | 0.3844% | 3,898 |
| Net interest margin | 3.5534% | 2,412 |
| Noninterest income to average assets | 0.2407% | 4,044 |
| Noninterest expense to average assets | 1.9012% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3135% | 1,326 |
| Return on assets (ROA) | 1.2994% | 1,452 |
| Pretax return on assets | 1.6271% | 1,112 |
| Return on Equity (ROE) | 6.1409% | 3,509 |
| Retained earnings to average equity (ytd only) | 3.7037% | 3,191 |
| Net charge-offs to loans | 0.0032% | 3,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 936.0000% | 126 |
| Efficiency ratio | 53.6174% | 4,194 |
| Assets per employee ($millions) | 7.4405% | 1,249 |
| Cash dividends to net income (ytd only)* | 39.6890% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 878 |
| Loan loss allowance to noncurrent loans | 6,513.6364% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 3,955 |
| Noncurrent loans to loans | 0.0262% | 4,304 |
| Net loans and leases to total assets | 52.7241% | 3,916 |
| Net loans and leases to deposits | 67.2429% | 3,532 |
| Net loans and leases to core deposits | 68.8076% | 3,709 |
| Total domestic deposits to total assets | 78.4085% | 4,139 |
| Equity capital to assets | 21.0008% | 177 |
| Core capital (leverage) ratio | 20.5223% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,758,500 | 3,364 |
| Average earning assets | $141,159,000 | 3,358 |
| Average equity | $32,111,500 | 2,369 |
| Average total loans | $84,589,000 | 3,508 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 3,649 |
| Cost of funding earning assets | 0.4153% | 3,969 |
| Net interest margin | 3.4755% | 2,867 |
| Noninterest income to average assets | 0.2343% | 4,077 |
| Noninterest expense to average assets | 1.8275% | 4,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3071% | 1,341 |
| Return on assets (ROA) | 1.2858% | 1,511 |
| Pretax return on assets | 1.6105% | 1,201 |
| Return on Equity (ROE) | 6.0607% | 3,484 |
| Retained earnings to average equity (ytd only) | 3.7707% | 3,031 |
| Net charge-offs to loans | 0.0047% | 2,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 615.0000% | 168 |
| Efficiency ratio | 52.7468% | 4,295 |
| Assets per employee ($millions) | 7.2976% | 1,281 |
| Cash dividends to net income (ytd only)* | 37.7847% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 914 |
| Loan loss allowance to noncurrent loans | 15,922.2222% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 4,069 |
| Noncurrent loans to loans | 0.0103% | 4,475 |
| Net loans and leases to total assets | 56.0039% | 3,684 |
| Net loans and leases to deposits | 71.6004% | 3,299 |
| Net loans and leases to core deposits | 73.3073% | 3,498 |
| Total domestic deposits to total assets | 78.2173% | 4,161 |
| Equity capital to assets | 21.2046% | 170 |
| Core capital (leverage) ratio | 21.1718% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,261,000 | 3,356 |
| Average earning assets | $139,663,000 | 3,352 |
| Average equity | $31,877,333 | 2,366 |
| Average total loans | $84,847,000 | 3,504 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9616% | 3,896 |
| Cost of funding earning assets | 0.4744% | 4,051 |
| Net interest margin | 3.4872% | 3,026 |
| Noninterest income to average assets | 0.2689% | 3,929 |
| Noninterest expense to average assets | 1.8499% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3258% | 1,170 |
| Return on assets (ROA) | 1.2557% | 1,465 |
| Pretax return on assets | 1.5918% | 1,075 |
| Return on Equity (ROE) | 5.9174% | 3,343 |
| Retained earnings to average equity (ytd only) | 3.1171% | 3,032 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3991% | 4,526 |
| Assets per employee ($millions) | 6.9726% | 1,101 |
| Cash dividends to net income (ytd only)* | 47.3233% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 844 |
| Loan loss allowance to noncurrent loans | 5,979.1667% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 4,076 |
| Noncurrent loans to loans | 0.0287% | 4,446 |
| Net loans and leases to total assets | 56.0400% | 3,836 |
| Net loans and leases to deposits | 72.2171% | 3,416 |
| Net loans and leases to core deposits | 74.6541% | 3,594 |
| Total domestic deposits to total assets | 77.5993% | 4,283 |
| Equity capital to assets | 21.8195% | 181 |
| Core capital (leverage) ratio | 20.9125% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,766,500 | 3,340 |
| Average earning assets | $139,136,500 | 3,321 |
| Average equity | $31,568,000 | 2,373 |
| Average total loans | $83,641,000 | 3,524 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 4,132 |
| Cost of funding earning assets | 0.5738% | 3,748 |
| Net interest margin | 3.4837% | 3,501 |
| Noninterest income to average assets | 0.9776% | 1,019 |
| Noninterest expense to average assets | 1.9807% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.9585% | 392 |
| Return on assets (ROA) | 1.9766% | 387 |
| Pretax return on assets | 2.2774% | 325 |
| Return on Equity (ROE) | 9.6102% | 2,470 |
| Retained earnings to average equity (ytd only) | 2.0967% | 3,950 |
| Net charge-offs to loans | 0.0096% | 3,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 419.2500% | 223 |
| Efficiency ratio | 46.7450% | 4,885 |
| Assets per employee ($millions) | 7.1957% | 974 |
| Cash dividends to net income (ytd only)* | 78.1824% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 773 |
| Loan loss allowance to noncurrent loans | 20,500.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 4,147 |
| Noncurrent loans to loans | 0.0084% | 4,559 |
| Net loans and leases to total assets | 54.5011% | 4,050 |
| Net loans and leases to deposits | 69.0750% | 3,736 |
| Net loans and leases to core deposits | 73.8500% | 3,732 |
| Total domestic deposits to total assets | 78.9013% | 4,202 |
| Equity capital to assets | 20.6387% | 222 |
| Core capital (leverage) ratio | 20.2947% | 229 |
| Tier 1 risk-based capital ratio | 32.9863% | 383 |
| Total risk-based capital ratio | 34.2405% | 381 |
| Memoranda: | ||
| Average total assets | $148,635,400 | 3,320 |
| Average earning assets | $139,076,200 | 3,290 |
| Average equity | $30,571,600 | 2,360 |
| Average total loans | $83,503,400 | 3,533 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0859% | 4,185 |
| Cost of funding earning assets | 0.5882% | 3,749 |
| Net interest margin | 3.4977% | 3,570 |
| Noninterest income to average assets | 1.2187% | 613 |
| Noninterest expense to average assets | 1.9421% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2046% | 274 |
| Return on assets (ROA) | 2.2069% | 280 |
| Pretax return on assets | 2.5465% | 227 |
| Return on Equity (ROE) | 10.7391% | 2,123 |
| Retained earnings to average equity (ytd only) | 0.6706% | 4,633 |
| Net charge-offs to loans | 0.0064% | 3,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 706.4240% | 136 |
| Efficiency ratio | 43.2932% | 5,039 |
| Assets per employee ($millions) | 7.0168% | 1,019 |
| Cash dividends to net income (ytd only)* | 93.7550% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7640% | 728 |
| Loan loss allowance to noncurrent loans | 14,390.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 4,197 |
| Noncurrent loans to loans | 0.0123% | 4,627 |
| Net loans and leases to total assets | 54.3847% | 4,151 |
| Net loans and leases to deposits | 69.1999% | 3,818 |
| Net loans and leases to core deposits | 73.9927% | 3,830 |
| Total domestic deposits to total assets | 78.5907% | 4,252 |
| Equity capital to assets | 20.8772% | 224 |
| Core capital (leverage) ratio | 20.4262% | 234 |
| Tier 1 risk-based capital ratio | 33.1588% | 392 |
| Total risk-based capital ratio | 34.4136% | 387 |
| Memoranda: | ||
| Average total assets | $148,017,000 | 3,361 |
| Average earning assets | $138,260,500 | 3,335 |
| Average equity | $30,417,750 | 2,378 |
| Average total loans | $83,431,500 | 3,571 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 4,230 |
| Cost of funding earning assets | 0.5849% | 3,726 |
| Net interest margin | 3.4848% | 3,644 |
| Noninterest income to average assets | 1.6865% | 338 |
| Noninterest expense to average assets | 1.8389% | 4,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.7649% | 110 |
| Return on assets (ROA) | 2.7685% | 113 |
| Pretax return on assets | 3.1072% | 108 |
| Return on Equity (ROE) | 13.5434% | 1,092 |
| Retained earnings to average equity (ytd only) | -0.1584% | 4,707 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2099% | 5,199 |
| Assets per employee ($millions) | 6.9342% | 1,032 |
| Cash dividends to net income (ytd only)* | 101.1696% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6686% | 875 |
| Loan loss allowance to noncurrent loans | 28,860.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 3,911 |
| Noncurrent loans to loans | 0.0058% | 4,705 |
| Net loans and leases to total assets | 58.3987% | 3,872 |
| Net loans and leases to deposits | 76.5490% | 3,283 |
| Net loans and leases to core deposits | 80.5370% | 3,383 |
| Total domestic deposits to total assets | 76.2893% | 4,637 |
| Equity capital to assets | 20.8559% | 215 |
| Core capital (leverage) ratio | 20.4690% | 223 |
| Tier 1 risk-based capital ratio | 31.1762% | 448 |
| Total risk-based capital ratio | 32.4297% | 443 |
| Memoranda: | ||
| Average total assets | $148,238,670 | 3,372 |
| Average earning assets | $138,485,670 | 3,349 |
| Average equity | $30,302,670 | 2,386 |
| Average total loans | $84,050,000 | 3,585 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 4,338 |
| Cost of funding earning assets | 0.5822% | 3,667 |
| Net interest margin | 3.4329% | 3,801 |
| Noninterest income to average assets | 3.0465% | 141 |
| Noninterest expense to average assets | 1.8349% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 4.0923% | 56 |
| Return on assets (ROA) | 4.0923% | 59 |
| Pretax return on assets | 4.4133% | 59 |
| Return on Equity (ROE) | 20.2187% | 252 |
| Retained earnings to average equity (ytd only) | 17.2982% | 173 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.3664% | 5,320 |
| Assets per employee ($millions) | 6.6983% | 1,142 |
| Cash dividends to net income (ytd only)* | 14.4444% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7262% | 817 |
| Loan loss allowance to noncurrent loans | 20,614.2857% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 3,962 |
| Noncurrent loans to loans | 0.0084% | 4,755 |
| Net loans and leases to total assets | 55.7460% | 4,082 |
| Net loans and leases to deposits | 72.1821% | 3,591 |
| Net loans and leases to core deposits | 75.8490% | 3,671 |
| Total domestic deposits to total assets | 77.2297% | 4,627 |
| Equity capital to assets | 21.1681% | 193 |
| Core capital (leverage) ratio | 21.2331% | 191 |
| Tier 1 risk-based capital ratio | 33.3579% | 374 |
| Total risk-based capital ratio | 34.6119% | 363 |
| Memoranda: | ||
| Average total assets | $149,549,000 | 3,393 |
| Average earning assets | $139,475,500 | 3,375 |
| Average equity | $30,269,000 | 2,394 |
| Average total loans | $82,834,000 | 3,635 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9784% | 4,084 |
| Cost of funding earning assets | 0.5730% | 2,901 |
| Net interest margin | 3.4054% | 3,986 |
| Noninterest income to average assets | 0.2557% | 4,399 |
| Noninterest expense to average assets | 1.9915% | 4,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1522% | 2,372 |
| Return on assets (ROA) | 1.1528% | 2,375 |
| Pretax return on assets | 1.4264% | 2,057 |
| Return on Equity (ROE) | 6.0514% | 4,155 |
| Retained earnings to average equity (ytd only) | 4.5142% | 3,045 |
| Net charge-offs to loans | 0.0024% | 3,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,076.0000% | 101 |
| Efficiency ratio | 58.2784% | 4,121 |
| Assets per employee ($millions) | 6.5972% | 1,174 |
| Cash dividends to net income (ytd only)* | 25.4023% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 739 |
| Loan loss allowance to noncurrent loans | 36,075.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 3,984 |
| Noncurrent loans to loans | 0.0049% | 4,800 |
| Net loans and leases to total assets | 53.1407% | 4,344 |
| Net loans and leases to deposits | 70.1706% | 3,815 |
| Net loans and leases to core deposits | 73.6987% | 3,876 |
| Total domestic deposits to total assets | 75.7307% | 4,784 |
| Equity capital to assets | 19.3390% | 256 |
| Core capital (leverage) ratio | 19.8565% | 239 |
| Tier 1 risk-based capital ratio | 32.1047% | 395 |
| Total risk-based capital ratio | 33.3581% | 389 |
| Memoranda: | ||
| Average total assets | $150,939,800 | 3,373 |
| Average earning assets | $140,131,000 | 3,358 |
| Average equity | $28,753,600 | 2,411 |
| Average total loans | $83,930,400 | 3,594 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9917% | 3,956 |
| Cost of funding earning assets | 0.5463% | 2,883 |
| Net interest margin | 3.4454% | 3,873 |
| Noninterest income to average assets | 0.2875% | 4,235 |
| Noninterest expense to average assets | 1.9238% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2578% | 2,009 |
| Return on assets (ROA) | 1.2578% | 2,017 |
| Pretax return on assets | 1.5603% | 1,703 |
| Return on Equity (ROE) | 6.6278% | 4,067 |
| Retained earnings to average equity (ytd only) | 4.5677% | 3,466 |
| Net charge-offs to loans | -0.0016% | 4,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2171% | 4,487 |
| Assets per employee ($millions) | 6.1435% | 1,392 |
| Cash dividends to net income (ytd only)* | 31.0831% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7382% | 815 |
| Loan loss allowance to noncurrent loans | 10,328.5714% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 3,868 |
| Noncurrent loans to loans | 0.0168% | 4,839 |
| Net loans and leases to total assets | 55.4411% | 4,262 |
| Net loans and leases to deposits | 74.4963% | 3,550 |
| Net loans and leases to core deposits | 76.0558% | 3,800 |
| Total domestic deposits to total assets | 74.4213% | 4,944 |
| Equity capital to assets | 19.4557% | 253 |
| Core capital (leverage) ratio | 19.7685% | 244 |
| Tier 1 risk-based capital ratio | 31.0106% | 431 |
| Total risk-based capital ratio | 32.2636% | 429 |
| Memoranda: | ||
| Average total assets | $150,741,000 | 3,416 |
| Average earning assets | $139,853,500 | 3,392 |
| Average equity | $28,606,000 | 2,429 |
| Average total loans | $84,394,000 | 3,617 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 4,006 |
| Cost of funding earning assets | 0.5627% | 2,494 |
| Net interest margin | 3.3621% | 4,070 |
| Noninterest income to average assets | 0.2806% | 4,308 |
| Noninterest expense to average assets | 1.9125% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2158% | 2,125 |
| Return on assets (ROA) | 1.2158% | 2,120 |
| Pretax return on assets | 1.5003% | 1,814 |
| Return on Equity (ROE) | 6.4592% | 4,074 |
| Retained earnings to average equity (ytd only) | 4.9126% | 3,118 |
| Net charge-offs to loans | -0.0024% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0401% | 4,470 |
| Assets per employee ($millions) | 5.7985% | 1,638 |
| Cash dividends to net income (ytd only)* | 23.9437% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 3,991 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 57.3435% | 4,056 |
| Net loans and leases to deposits | 76.7832% | 3,268 |
| Net loans and leases to core deposits | 78.3489% | 3,549 |
| Total domestic deposits to total assets | 74.6823% | 4,983 |
| Equity capital to assets | 19.0176% | 266 |
| Core capital (leverage) ratio | 19.3547% | 251 |
| Tier 1 risk-based capital ratio | 29.2779% | 505 |
| Total risk-based capital ratio | 30.5301% | 499 |
| Memoranda: | ||
| Average total assets | $151,840,330 | 3,409 |
| Average earning assets | $141,460,000 | 3,392 |
| Average equity | $28,579,330 | 2,439 |
| Average total loans | $84,795,330 | 3,629 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8708% | 4,014 |
| Cost of funding earning assets | 0.5011% | 2,788 |
| Net interest margin | 3.3697% | 3,990 |
| Noninterest income to average assets | 0.2914% | 4,218 |
| Noninterest expense to average assets | 1.9215% | 4,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2259% | 1,906 |
| Return on assets (ROA) | 1.2259% | 1,916 |
| Pretax return on assets | 1.5120% | 1,658 |
| Return on Equity (ROE) | 6.5467% | 3,963 |
| Retained earnings to average equity (ytd only) | 3.4486% | 3,824 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9633% | 4,585 |
| Assets per employee ($millions) | 6.3367% | 1,291 |
| Cash dividends to net income (ytd only)* | 47.3233% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7459% | 871 |
| Loan loss allowance to noncurrent loans | 4,128.5714% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 3,964 |
| Noncurrent loans to loans | 0.0423% | 4,783 |
| Net loans and leases to total assets | 53.4728% | 4,331 |
| Net loans and leases to deposits | 72.0927% | 3,591 |
| Net loans and leases to core deposits | 73.5600% | 3,853 |
| Total domestic deposits to total assets | 74.1723% | 5,135 |
| Equity capital to assets | 18.6434% | 273 |
| Core capital (leverage) ratio | 19.0876% | 250 |
| Tier 1 risk-based capital ratio | 30.0249% | 473 |
| Total risk-based capital ratio | 31.2783% | 465 |
| Memoranda: | ||
| Average total assets | $152,380,500 | 3,436 |
| Average earning assets | $142,090,000 | 3,424 |
| Average equity | $28,533,500 | 2,463 |
| Average total loans | $83,244,500 | 3,684 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 3,824 |
| Cost of funding earning assets | 0.4090% | 3,174 |
| Net interest margin | 3.4611% | 3,652 |
| Noninterest income to average assets | 0.3041% | 4,282 |
| Noninterest expense to average assets | 1.9068% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1545% | 1,668 |
| Return on assets (ROA) | 1.1545% | 1,698 |
| Pretax return on assets | 1.6113% | 1,259 |
| Return on Equity (ROE) | 6.2071% | 3,674 |
| Retained earnings to average equity (ytd only) | 4.8411% | 2,225 |
| Net charge-offs to loans | -0.1748% | 5,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2002% | 4,936 |
| Assets per employee ($millions) | 6.6383% | 1,131 |
| Cash dividends to net income (ytd only)* | 22.0068% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 897 |
| Loan loss allowance to noncurrent loans | 144,500.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 4,108 |
| Noncurrent loans to loans | 0.0012% | 5,071 |
| Net loans and leases to total assets | 53.8885% | 4,377 |
| Net loans and leases to deposits | 74.0107% | 3,524 |
| Net loans and leases to core deposits | 74.7171% | 3,829 |
| Total domestic deposits to total assets | 72.8118% | 5,273 |
| Equity capital to assets | 18.8067% | 258 |
| Core capital (leverage) ratio | 18.5534% | 259 |
| Tier 1 risk-based capital ratio | 29.4048% | 483 |
| Total risk-based capital ratio | 30.6574% | 480 |
| Memoranda: | ||
| Average total assets | $151,927,400 | 3,447 |
| Average earning assets | $141,080,600 | 3,435 |
| Average equity | $28,258,000 | 2,475 |
| Average total loans | $78,928,800 | 3,773 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8288% | 3,905 |
| Cost of funding earning assets | 0.3797% | 3,377 |
| Net interest margin | 3.4491% | 3,680 |
| Noninterest income to average assets | 0.3163% | 4,273 |
| Noninterest expense to average assets | 1.8224% | 5,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2310% | 1,576 |
| Return on assets (ROA) | 1.2310% | 1,602 |
| Pretax return on assets | 1.6950% | 1,143 |
| Return on Equity (ROE) | 6.6371% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.8085% | 3,015 |
| Net charge-offs to loans | -0.2744% | 5,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8111% | 5,115 |
| Assets per employee ($millions) | 7.0120% | 948 |
| Cash dividends to net income (ytd only)* | 27.5516% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7929% | 861 |
| Loan loss allowance to noncurrent loans | 4,584.3750% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 4,174 |
| Noncurrent loans to loans | 0.0391% | 4,941 |
| Net loans and leases to total assets | 52.0893% | 4,559 |
| Net loans and leases to deposits | 73.1245% | 3,654 |
| Net loans and leases to core deposits | 73.8306% | 3,989 |
| Total domestic deposits to total assets | 71.2337% | 5,428 |
| Equity capital to assets | 18.6544% | 287 |
| Core capital (leverage) ratio | 18.5234% | 275 |
| Tier 1 risk-based capital ratio | 29.5791% | 491 |
| Total risk-based capital ratio | 30.8329% | 487 |
| Memoranda: | ||
| Average total assets | $151,739,250 | 3,478 |
| Average earning assets | $140,824,250 | 3,465 |
| Average equity | $28,144,000 | 2,498 |
| Average total loans | $77,730,500 | 3,828 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7936% | 3,916 |
| Cost of funding earning assets | 0.3535% | 3,548 |
| Net interest margin | 3.4401% | 3,629 |
| Noninterest income to average assets | 0.3101% | 4,317 |
| Noninterest expense to average assets | 1.7919% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2406% | 1,472 |
| Return on assets (ROA) | 1.2406% | 1,500 |
| Pretax return on assets | 1.7045% | 1,045 |
| Return on Equity (ROE) | 6.7018% | 3,722 |
| Retained earnings to average equity (ytd only) | 5.3199% | 2,517 |
| Net charge-offs to loans | -0.0786% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2509% | 5,226 |
| Assets per employee ($millions) | 6.4306% | 1,193 |
| Cash dividends to net income (ytd only)* | 20.6197% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 1,106 |
| Loan loss allowance to noncurrent loans | 528.4585% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 3,656 |
| Noncurrent loans to loans | 0.3166% | 3,902 |
| Net loans and leases to total assets | 50.9071% | 4,648 |
| Net loans and leases to deposits | 69.2324% | 3,964 |
| Net loans and leases to core deposits | 69.8765% | 4,238 |
| Total domestic deposits to total assets | 73.5308% | 5,329 |
| Equity capital to assets | 18.5837% | 285 |
| Core capital (leverage) ratio | 18.7058% | 261 |
| Tier 1 risk-based capital ratio | 29.7569% | 475 |
| Total risk-based capital ratio | 31.0091% | 468 |
| Memoranda: | ||
| Average total assets | $150,897,670 | 3,509 |
| Average earning assets | $139,762,330 | 3,500 |
| Average equity | $27,933,000 | 2,509 |
| Average total loans | $76,366,670 | 3,871 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7823% | 3,822 |
| Cost of funding earning assets | 0.3420% | 3,615 |
| Net interest margin | 3.4403% | 3,481 |
| Noninterest income to average assets | 0.3084% | 4,348 |
| Noninterest expense to average assets | 1.7911% | 5,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2334% | 1,419 |
| Return on assets (ROA) | 1.2334% | 1,457 |
| Pretax return on assets | 1.7000% | 1,005 |
| Return on Equity (ROE) | 6.6766% | 3,566 |
| Retained earnings to average equity (ytd only) | 3.8753% | 3,517 |
| Net charge-offs to loans | -0.0214% | 4,780 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3057% | 5,304 |
| Assets per employee ($millions) | 6.7410% | 1,066 |
| Cash dividends to net income (ytd only)* | 41.9565% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7796% | 998 |
| Loan loss allowance to noncurrent loans | 1,820.8333% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 4,173 |
| Noncurrent loans to loans | 0.0977% | 4,801 |
| Net loans and leases to total assets | 48.7900% | 4,766 |
| Net loans and leases to deposits | 63.0820% | 4,362 |
| Net loans and leases to core deposits | 63.6626% | 4,555 |
| Total domestic deposits to total assets | 77.3437% | 5,067 |
| Equity capital to assets | 18.7326% | 266 |
| Core capital (leverage) ratio | 18.7417% | 247 |
| Tier 1 risk-based capital ratio | 31.6208% | 429 |
| Total risk-based capital ratio | 32.8744% | 423 |
| Memoranda: | ||
| Average total assets | $149,179,500 | 3,563 |
| Average earning assets | $138,011,500 | 3,550 |
| Average equity | $27,559,000 | 2,542 |
| Average total loans | $74,598,000 | 3,935 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8520% | 3,733 |
| Cost of funding earning assets | 0.3538% | 3,479 |
| Net interest margin | 3.4983% | 3,436 |
| Noninterest income to average assets | 0.3320% | 4,356 |
| Noninterest expense to average assets | 1.9372% | 5,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1995% | 1,517 |
| Return on assets (ROA) | 1.2034% | 1,585 |
| Pretax return on assets | 1.6365% | 1,174 |
| Return on Equity (ROE) | 6.5549% | 3,716 |
| Retained earnings to average equity (ytd only) | 5.1562% | 2,232 |
| Net charge-offs to loans | -0.0340% | 5,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2878% | 5,222 |
| Assets per employee ($millions) | 6.5242% | 1,139 |
| Cash dividends to net income (ytd only)* | 21.3378% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 1,085 |
| Loan loss allowance to noncurrent loans | 43,566.6667% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 4,458 |
| Noncurrent loans to loans | 0.0040% | 5,302 |
| Net loans and leases to total assets | 49.4622% | 4,801 |
| Net loans and leases to deposits | 64.0493% | 4,411 |
| Net loans and leases to core deposits | 64.6299% | 4,602 |
| Total domestic deposits to total assets | 77.2252% | 5,085 |
| Equity capital to assets | 18.2179% | 290 |
| Core capital (leverage) ratio | 18.3096% | 269 |
| Tier 1 risk-based capital ratio | 30.5126% | 460 |
| Total risk-based capital ratio | 31.7656% | 456 |
| Memoranda: | ||
| Average total assets | $150,323,000 | 3,520 |
| Average earning assets | $139,069,200 | 3,508 |
| Average equity | $27,597,600 | 2,529 |
| Average total loans | $73,504,200 | 3,951 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 3,746 |
| Cost of funding earning assets | 0.3491% | 3,551 |
| Net interest margin | 3.5075% | 3,440 |
| Noninterest income to average assets | 0.3271% | 4,440 |
| Noninterest expense to average assets | 1.8839% | 5,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2420% | 1,484 |
| Return on assets (ROA) | 1.2465% | 1,573 |
| Pretax return on assets | 1.7004% | 1,114 |
| Return on Equity (ROE) | 6.7767% | 3,678 |
| Retained earnings to average equity (ytd only) | 4.9163% | 2,887 |
| Net charge-offs to loans | -0.0457% | 5,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6511% | 5,338 |
| Assets per employee ($millions) | 6.0560% | 1,392 |
| Cash dividends to net income (ytd only)* | 27.4536% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 1,062 |
| Loan loss allowance to noncurrent loans | 1,268.9320% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 4,308 |
| Noncurrent loans to loans | 0.1397% | 4,784 |
| Net loans and leases to total assets | 47.8263% | 4,973 |
| Net loans and leases to deposits | 64.5748% | 4,449 |
| Net loans and leases to core deposits | 65.1793% | 4,660 |
| Total domestic deposits to total assets | 74.0634% | 5,428 |
| Equity capital to assets | 18.7048% | 285 |
| Core capital (leverage) ratio | 18.2555% | 284 |
| Tier 1 risk-based capital ratio | 30.4878% | 465 |
| Total risk-based capital ratio | 31.7414% | 460 |
| Memoranda: | ||
| Average total assets | $150,389,750 | 3,531 |
| Average earning assets | $139,391,750 | 3,522 |
| Average equity | $27,662,750 | 2,546 |
| Average total loans | $72,998,250 | 3,991 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 3,696 |
| Cost of funding earning assets | 0.3499% | 3,568 |
| Net interest margin | 3.5207% | 3,407 |
| Noninterest income to average assets | 0.3132% | 4,533 |
| Noninterest expense to average assets | 1.8967% | 5,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2381% | 1,470 |
| Return on assets (ROA) | 1.2449% | 1,555 |
| Pretax return on assets | 1.6981% | 1,094 |
| Return on Equity (ROE) | 6.8066% | 3,643 |
| Retained earnings to average equity (ytd only) | 5.4001% | 2,488 |
| Net charge-offs to loans | -0.0687% | 5,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8996% | 5,392 |
| Assets per employee ($millions) | 5.3460% | 1,941 |
| Cash dividends to net income (ytd only)* | 20.6638% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7727% | 1,132 |
| Loan loss allowance to noncurrent loans | 3,844.1176% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 4,536 |
| Noncurrent loans to loans | 0.0461% | 5,276 |
| Net loans and leases to total assets | 48.3823% | 4,959 |
| Net loans and leases to deposits | 63.2731% | 4,542 |
| Net loans and leases to core deposits | 63.8504% | 4,758 |
| Total domestic deposits to total assets | 76.4659% | 5,226 |
| Equity capital to assets | 18.8391% | 273 |
| Core capital (leverage) ratio | 18.1327% | 287 |
| Tier 1 risk-based capital ratio | 30.4847% | 475 |
| Total risk-based capital ratio | 31.7384% | 469 |
| Memoranda: | ||
| Average total assets | $150,053,000 | 3,561 |
| Average earning assets | $139,460,000 | 3,544 |
| Average equity | $27,444,000 | 2,569 |
| Average total loans | $72,759,000 | 4,024 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7799% | 4,017 |
| Cost of funding earning assets | 0.3418% | 3,694 |
| Net interest margin | 3.4381% | 3,725 |
| Noninterest income to average assets | 0.3461% | 4,256 |
| Noninterest expense to average assets | 1.9063% | 5,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2008% | 1,556 |
| Return on assets (ROA) | 1.2008% | 1,660 |
| Pretax return on assets | 1.6268% | 1,231 |
| Return on Equity (ROE) | 6.6652% | 3,633 |
| Retained earnings to average equity (ytd only) | 3.8129% | 3,590 |
| Net charge-offs to loans | -0.0443% | 5,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9563% | 5,391 |
| Assets per employee ($millions) | 5.5586% | 1,783 |
| Cash dividends to net income (ytd only)* | 42.7938% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 1,132 |
| Loan loss allowance to noncurrent loans | 1,387.0968% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 4,437 |
| Noncurrent loans to loans | 0.1306% | 4,950 |
| Net loans and leases to total assets | 46.6055% | 5,076 |
| Net loans and leases to deposits | 61.4969% | 4,616 |
| Net loans and leases to core deposits | 62.2279% | 4,807 |
| Total domestic deposits to total assets | 75.7851% | 5,430 |
| Equity capital to assets | 18.2575% | 307 |
| Core capital (leverage) ratio | 17.9851% | 294 |
| Tier 1 risk-based capital ratio | 30.9221% | 469 |
| Total risk-based capital ratio | 32.1750% | 462 |
| Memoranda: | ||
| Average total assets | $150,235,000 | 3,579 |
| Average earning assets | $139,262,500 | 3,572 |
| Average equity | $27,066,000 | 2,594 |
| Average total loans | $72,273,500 | 4,059 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8458% | 3,899 |
| Cost of funding earning assets | 0.3701% | 3,488 |
| Net interest margin | 3.4756% | 3,614 |
| Noninterest income to average assets | 0.3531% | 4,381 |
| Noninterest expense to average assets | 2.0261% | 5,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1778% | 1,634 |
| Return on assets (ROA) | 1.1778% | 1,709 |
| Pretax return on assets | 1.5668% | 1,354 |
| Return on Equity (ROE) | 6.6495% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.1752% | 2,296 |
| Net charge-offs to loans | -0.0475% | 5,535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3924% | 5,309 |
| Assets per employee ($millions) | 5.7842% | 1,549 |
| Cash dividends to net income (ytd only)* | 22.1712% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7487% | 1,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 4,705 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 47.8951% | 5,019 |
| Net loans and leases to deposits | 62.1508% | 4,622 |
| Net loans and leases to core deposits | 64.1878% | 4,732 |
| Total domestic deposits to total assets | 77.0628% | 5,303 |
| Equity capital to assets | 17.7746% | 334 |
| Core capital (leverage) ratio | 17.3260% | 333 |
| Tier 1 risk-based capital ratio | 29.9100% | 509 |
| Total risk-based capital ratio | 31.1630% | 499 |
| Memoranda: | ||
| Average total assets | $147,819,800 | 3,606 |
| Average earning assets | $137,788,200 | 3,567 |
| Average equity | $26,182,400 | 2,611 |
| Average total loans | $71,569,800 | 4,054 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8406% | 3,965 |
| Cost of funding earning assets | 0.3677% | 3,574 |
| Net interest margin | 3.4729% | 3,649 |
| Noninterest income to average assets | 0.3533% | 4,417 |
| Noninterest expense to average assets | 1.9142% | 5,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2483% | 1,490 |
| Return on assets (ROA) | 1.2483% | 1,545 |
| Pretax return on assets | 1.6823% | 1,156 |
| Return on Equity (ROE) | 7.0542% | 3,590 |
| Retained earnings to average equity (ytd only) | 5.0782% | 2,859 |
| Net charge-offs to loans | -0.0487% | 5,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2242% | 5,568 |
| Assets per employee ($millions) | 5.7237% | 1,575 |
| Cash dividends to net income (ytd only)* | 28.0114% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 1,338 |
| Loan loss allowance to noncurrent loans | 6,066.6667% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 4,286 |
| Noncurrent loans to loans | 0.0290% | 5,507 |
| Net loans and leases to total assets | 47.7287% | 5,101 |
| Net loans and leases to deposits | 62.8539% | 4,656 |
| Net loans and leases to core deposits | 64.9678% | 4,763 |
| Total domestic deposits to total assets | 75.9361% | 5,494 |
| Equity capital to assets | 17.8536% | 349 |
| Core capital (leverage) ratio | 17.4290% | 340 |
| Tier 1 risk-based capital ratio | 29.9559% | 528 |
| Total risk-based capital ratio | 31.2099% | 519 |
| Memoranda: | ||
| Average total assets | $147,177,500 | 3,644 |
| Average earning assets | $137,440,750 | 3,606 |
| Average equity | $26,045,250 | 2,641 |
| Average total loans | $71,134,500 | 4,106 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8333% | 3,940 |
| Cost of funding earning assets | 0.3683% | 3,623 |
| Net interest margin | 3.4650% | 3,644 |
| Noninterest income to average assets | 0.3574% | 4,396 |
| Noninterest expense to average assets | 1.9096% | 5,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2494% | 1,466 |
| Return on assets (ROA) | 1.2494% | 1,528 |
| Pretax return on assets | 1.6818% | 1,117 |
| Return on Equity (ROE) | 7.0814% | 3,565 |
| Retained earnings to average equity (ytd only) | 5.5893% | 2,477 |
| Net charge-offs to loans | -0.0452% | 5,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1713% | 5,637 |
| Assets per employee ($millions) | 5.6923% | 1,576 |
| Cash dividends to net income (ytd only)* | 21.0699% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 1,522 |
| Loan loss allowance to noncurrent loans | 410.3896% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 3,687 |
| Noncurrent loans to loans | 0.4242% | 4,206 |
| Net loans and leases to total assets | 48.1993% | 5,085 |
| Net loans and leases to deposits | 60.9206% | 4,784 |
| Net loans and leases to core deposits | 61.6179% | 4,974 |
| Total domestic deposits to total assets | 79.1182% | 5,073 |
| Equity capital to assets | 17.5345% | 376 |
| Core capital (leverage) ratio | 17.1805% | 350 |
| Tier 1 risk-based capital ratio | 29.4908% | 569 |
| Total risk-based capital ratio | 30.7433% | 562 |
| Memoranda: | ||
| Average total assets | $146,631,330 | 3,683 |
| Average earning assets | $136,854,670 | 3,645 |
| Average equity | $25,870,670 | 2,663 |
| Average total loans | $70,745,330 | 4,142 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 4,064 |
| Cost of funding earning assets | 0.3666% | 3,680 |
| Net interest margin | 3.4196% | 3,763 |
| Noninterest income to average assets | 0.4029% | 3,982 |
| Noninterest expense to average assets | 1.9404% | 5,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2361% | 1,445 |
| Return on assets (ROA) | 1.2361% | 1,532 |
| Pretax return on assets | 1.6581% | 1,142 |
| Return on Equity (ROE) | 6.9840% | 3,513 |
| Retained earnings to average equity (ytd only) | 3.9953% | 3,606 |
| Net charge-offs to loans | -0.0458% | 5,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9223% | 5,687 |
| Assets per employee ($millions) | 5.6523% | 1,665 |
| Cash dividends to net income (ytd only)* | 42.7938% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 1,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 4,529 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 46.4476% | 5,168 |
| Net loans and leases to deposits | 58.3994% | 4,882 |
| Net loans and leases to core deposits | 59.2742% | 5,053 |
| Total domestic deposits to total assets | 79.5344% | 5,164 |
| Equity capital to assets | 17.8655% | 339 |
| Core capital (leverage) ratio | 17.1732% | 345 |
| Tier 1 risk-based capital ratio | 30.0305% | 539 |
| Total risk-based capital ratio | 31.2837% | 534 |
| Memoranda: | ||
| Average total assets | $145,947,000 | 3,715 |
| Average earning assets | $136,391,500 | 3,677 |
| Average equity | $25,830,500 | 2,682 |
| Average total loans | $69,818,500 | 4,186 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 4,175 |
| Cost of funding earning assets | 0.4108% | 3,577 |
| Net interest margin | 3.4757% | 3,880 |
| Noninterest income to average assets | 0.3471% | 4,621 |
| Noninterest expense to average assets | 1.9828% | 5,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2085% | 1,559 |
| Return on assets (ROA) | 1.2085% | 1,615 |
| Pretax return on assets | 1.5953% | 1,250 |
| Return on Equity (ROE) | 7.1939% | 3,521 |
| Retained earnings to average equity (ytd only) | 5.5925% | 2,197 |
| Net charge-offs to loans | -0.0422% | 5,875 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4149% | 5,725 |
| Assets per employee ($millions) | 5.7974% | 1,528 |
| Cash dividends to net income (ytd only)* | 22.2607% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7798% | 1,575 |
| Loan loss allowance to noncurrent loans | 2,228.5714% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 4,431 |
| Noncurrent loans to loans | 0.0799% | 5,566 |
| Net loans and leases to total assets | 47.5206% | 5,197 |
| Net loans and leases to deposits | 59.1213% | 4,971 |
| Net loans and leases to core deposits | 60.1651% | 5,132 |
| Total domestic deposits to total assets | 80.3781% | 4,915 |
| Equity capital to assets | 17.5292% | 358 |
| Core capital (leverage) ratio | 17.1102% | 354 |
| Tier 1 risk-based capital ratio | 29.6373% | 528 |
| Total risk-based capital ratio | 30.8908% | 520 |
| Memoranda: | ||
| Average total assets | $143,487,200 | 3,730 |
| Average earning assets | $133,384,600 | 3,700 |
| Average equity | $24,103,800 | 2,749 |
| Average total loans | $66,412,200 | 4,283 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 4,176 |
| Cost of funding earning assets | 0.4151% | 3,628 |
| Net interest margin | 3.4850% | 3,889 |
| Noninterest income to average assets | 0.3410% | 4,711 |
| Noninterest expense to average assets | 1.9106% | 5,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2502% | 1,526 |
| Return on assets (ROA) | 1.2502% | 1,581 |
| Pretax return on assets | 1.6600% | 1,162 |
| Return on Equity (ROE) | 7.5249% | 3,434 |
| Retained earnings to average equity (ytd only) | 5.3605% | 2,842 |
| Net charge-offs to loans | -0.0570% | 5,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5090% | 5,873 |
| Assets per employee ($millions) | 5.6881% | 1,570 |
| Cash dividends to net income (ytd only)* | 28.7628% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9069% | 1,440 |
| Loan loss allowance to noncurrent loans | 5,672.7273% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 4,669 |
| Noncurrent loans to loans | 0.0336% | 5,892 |
| Net loans and leases to total assets | 45.1446% | 5,440 |
| Net loans and leases to deposits | 56.5055% | 5,205 |
| Net loans and leases to core deposits | 57.5804% | 5,357 |
| Total domestic deposits to total assets | 79.8942% | 5,127 |
| Equity capital to assets | 17.3991% | 389 |
| Core capital (leverage) ratio | 17.0408% | 369 |
| Tier 1 risk-based capital ratio | 30.7612% | 490 |
| Total risk-based capital ratio | 32.0155% | 484 |
| Memoranda: | ||
| Average total assets | $143,125,250 | 3,772 |
| Average earning assets | $132,642,750 | 3,737 |
| Average equity | $23,778,250 | 2,783 |
| Average total loans | $65,484,750 | 4,353 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8996% | 4,138 |
| Cost of funding earning assets | 0.4201% | 3,655 |
| Net interest margin | 3.4795% | 3,859 |
| Noninterest income to average assets | 0.3333% | 4,759 |
| Noninterest expense to average assets | 1.8796% | 6,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2633% | 1,412 |
| Return on assets (ROA) | 1.2633% | 1,473 |
| Pretax return on assets | 1.6760% | 1,071 |
| Return on Equity (ROE) | 7.7248% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.0792% | 2,270 |
| Net charge-offs to loans | -0.0458% | 5,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8627% | 6,003 |
| Assets per employee ($millions) | 4.9160% | 2,320 |
| Cash dividends to net income (ytd only)* | 21.3024% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8856% | 1,616 |
| Loan loss allowance to noncurrent loans | 41,166.6667% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 4,847 |
| Noncurrent loans to loans | 0.0046% | 6,091 |
| Net loans and leases to total assets | 45.0749% | 5,457 |
| Net loans and leases to deposits | 54.9968% | 5,286 |
| Net loans and leases to core deposits | 56.0546% | 5,409 |
| Total domestic deposits to total assets | 81.9591% | 4,662 |
| Equity capital to assets | 17.1073% | 400 |
| Core capital (leverage) ratio | 16.5905% | 400 |
| Tier 1 risk-based capital ratio | 30.2331% | 511 |
| Total risk-based capital ratio | 31.4860% | 505 |
| Memoranda: | ||
| Average total assets | $143,432,670 | 3,790 |
| Average earning assets | $132,833,670 | 3,759 |
| Average equity | $23,457,000 | 2,805 |
| Average total loans | $65,498,000 | 4,374 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 4,154 |
| Cost of funding earning assets | 0.4183% | 3,780 |
| Net interest margin | 3.4638% | 3,847 |
| Noninterest income to average assets | 0.3309% | 4,727 |
| Noninterest expense to average assets | 1.9296% | 6,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2178% | 1,433 |
| Return on assets (ROA) | 1.2178% | 1,491 |
| Pretax return on assets | 1.6015% | 1,170 |
| Return on Equity (ROE) | 7.6204% | 3,136 |
| Retained earnings to average equity (ytd only) | 4.2625% | 3,566 |
| Net charge-offs to loans | -0.0427% | 5,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6457% | 5,958 |
| Assets per employee ($millions) | 5.5665% | 1,646 |
| Cash dividends to net income (ytd only)* | 44.0639% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8669% | 1,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 5,032 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 44.5270% | 5,461 |
| Net loans and leases to deposits | 54.3474% | 5,254 |
| Net loans and leases to core deposits | 55.3772% | 5,402 |
| Total domestic deposits to total assets | 81.9302% | 4,960 |
| Equity capital to assets | 16.1420% | 506 |
| Core capital (leverage) ratio | 16.2904% | 446 |
| Tier 1 risk-based capital ratio | 29.3006% | 561 |
| Total risk-based capital ratio | 30.5544% | 551 |
| Memoranda: | ||
| Average total assets | $143,866,500 | 3,806 |
| Average earning assets | $132,916,500 | 3,786 |
| Average equity | $22,991,000 | 2,848 |
| Average total loans | $65,499,000 | 4,411 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 4,648 |
| Cost of funding earning assets | 0.4756% | 3,861 |
| Net interest margin | 3.3681% | 4,409 |
| Noninterest income to average assets | 0.3522% | 4,793 |
| Noninterest expense to average assets | 1.9874% | 6,051 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1534% | 1,749 |
| Return on assets (ROA) | 1.1534% | 1,812 |
| Pretax return on assets | 1.4790% | 1,510 |
| Return on Equity (ROE) | 7.0848% | 3,522 |
| Retained earnings to average equity (ytd only) | 5.4244% | 2,331 |
| Net charge-offs to loans | -0.0543% | 6,351 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3333% | 5,811 |
| Assets per employee ($millions) | 5.1073% | 2,059 |
| Cash dividends to net income (ytd only)* | 23.4366% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 1,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 5,110 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 44.8299% | 5,598 |
| Net loans and leases to deposits | 55.8504% | 5,316 |
| Net loans and leases to core deposits | 56.7919% | 5,478 |
| Total domestic deposits to total assets | 80.2678% | 5,381 |
| Equity capital to assets | 15.8176% | 555 |
| Core capital (leverage) ratio | 16.3895% | 426 |
| Tier 1 risk-based capital ratio | 29.1499% | 543 |
| Total risk-based capital ratio | 30.4029% | 534 |
| Memoranda: | ||
| Average total assets | $142,798,200 | 3,833 |
| Average earning assets | $132,033,600 | 3,800 |
| Average equity | $23,246,800 | 2,796 |
| Average total loans | $60,806,000 | 4,587 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 4,770 |
| Cost of funding earning assets | 0.4859% | 3,905 |
| Net interest margin | 3.3354% | 4,511 |
| Noninterest income to average assets | 0.3531% | 4,874 |
| Noninterest expense to average assets | 1.8597% | 6,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2152% | 1,584 |
| Return on assets (ROA) | 1.2152% | 1,653 |
| Pretax return on assets | 1.5776% | 1,394 |
| Return on Equity (ROE) | 7.4118% | 3,430 |
| Retained earnings to average equity (ytd only) | 5.2128% | 2,926 |
| Net charge-offs to loans | -0.0491% | 6,302 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1033% | 6,098 |
| Assets per employee ($millions) | 5.3534% | 1,792 |
| Cash dividends to net income (ytd only)* | 29.6693% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9848% | 1,759 |
| Loan loss allowance to noncurrent loans | 845.4545% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 4,828 |
| Noncurrent loans to loans | 0.2348% | 5,646 |
| Net loans and leases to total assets | 42.8942% | 5,827 |
| Net loans and leases to deposits | 51.5245% | 5,746 |
| Net loans and leases to core deposits | 52.3848% | 5,869 |
| Total domestic deposits to total assets | 83.2501% | 4,484 |
| Equity capital to assets | 16.1679% | 523 |
| Core capital (leverage) ratio | 16.1969% | 469 |
| Tier 1 risk-based capital ratio | 30.3656% | 499 |
| Total risk-based capital ratio | 31.6199% | 497 |
| Memoranda: | ||
| Average total assets | $142,746,500 | 3,873 |
| Average earning assets | $131,995,500 | 3,839 |
| Average equity | $23,403,500 | 2,808 |
| Average total loans | $59,675,250 | 4,660 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 4,779 |
| Cost of funding earning assets | 0.5006% | 3,891 |
| Net interest margin | 3.3135% | 4,519 |
| Noninterest income to average assets | 0.3529% | 4,862 |
| Noninterest expense to average assets | 1.8203% | 6,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2311% | 1,512 |
| Return on assets (ROA) | 1.2311% | 1,614 |
| Pretax return on assets | 1.5952% | 1,385 |
| Return on Equity (ROE) | 7.4757% | 3,357 |
| Retained earnings to average equity (ytd only) | 5.8473% | 2,523 |
| Net charge-offs to loans | -0.0506% | 6,273 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2954% | 6,201 |
| Assets per employee ($millions) | 5.0158% | 2,099 |
| Cash dividends to net income (ytd only)* | 21.7833% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0445% | 1,756 |
| Loan loss allowance to noncurrent loans | 8,585.7143% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 5,145 |
| Noncurrent loans to loans | 0.0238% | 6,343 |
| Net loans and leases to total assets | 41.0067% | 5,966 |
| Net loans and leases to deposits | 49.2176% | 5,904 |
| Net loans and leases to core deposits | 50.0304% | 6,020 |
| Total domestic deposits to total assets | 83.3171% | 4,584 |
| Equity capital to assets | 16.1361% | 509 |
| Core capital (leverage) ratio | 16.0297% | 462 |
| Tier 1 risk-based capital ratio | 30.9263% | 480 |
| Total risk-based capital ratio | 32.1820% | 472 |
| Memoranda: | ||
| Average total assets | $143,932,330 | 3,874 |
| Average earning assets | $133,032,670 | 3,844 |
| Average equity | $23,703,330 | 2,798 |
| Average total loans | $59,262,670 | 4,696 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 4,721 |
| Cost of funding earning assets | 0.5181% | 3,898 |
| Net interest margin | 3.3114% | 4,478 |
| Noninterest income to average assets | 0.3954% | 4,496 |
| Noninterest expense to average assets | 1.8067% | 6,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2631% | 1,366 |
| Return on assets (ROA) | 1.2631% | 1,470 |
| Pretax return on assets | 1.6420% | 1,211 |
| Return on Equity (ROE) | 7.5958% | 3,165 |
| Retained earnings to average equity (ytd only) | 4.4089% | 3,593 |
| Net charge-offs to loans | -0.0336% | 5,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3885% | 6,352 |
| Assets per employee ($millions) | 5.5072% | 1,662 |
| Cash dividends to net income (ytd only)* | 41.9565% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0903% | 1,818 |
| Loan loss allowance to noncurrent loans | 11,920.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 5,280 |
| Noncurrent loans to loans | 0.0175% | 6,448 |
| Net loans and leases to total assets | 38.9928% | 6,084 |
| Net loans and leases to deposits | 47.6326% | 5,946 |
| Net loans and leases to core deposits | 47.9648% | 6,097 |
| Total domestic deposits to total assets | 81.8616% | 5,247 |
| Equity capital to assets | 16.8897% | 437 |
| Core capital (leverage) ratio | 15.6778% | 494 |
| Tier 1 risk-based capital ratio | 30.9239% | 489 |
| Total risk-based capital ratio | 32.1786% | 484 |
| Memoranda: | ||
| Average total assets | $145,677,000 | 3,885 |
| Average earning assets | $134,325,500 | 3,858 |
| Average equity | $24,224,000 | 2,784 |
| Average total loans | $59,497,500 | 4,723 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 4,984 |
| Cost of funding earning assets | 0.6525% | 3,898 |
| Net interest margin | 3.4371% | 4,757 |
| Noninterest income to average assets | 0.3672% | 4,850 |
| Noninterest expense to average assets | 1.9192% | 6,470 |
| Loan and lease loss provision to assets | 0.0867% | 4,611 |
| Net operating income to assets | 1.2172% | 1,545 |
| Return on assets (ROA) | 1.2194% | 1,704 |
| Pretax return on assets | 1.5397% | 1,561 |
| Return on Equity (ROE) | 7.1580% | 3,551 |
| Retained earnings to average equity (ytd only) | 4.2558% | 3,229 |
| Net charge-offs to loans | -0.0856% | 6,798 |
| Credit loss provision to net charge-offs | -235.2941% | 6,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1726% | 6,247 |
| Assets per employee ($millions) | 5.4876% | 1,693 |
| Cash dividends to net income (ytd only)* | 40.5453% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 2,251 |
| Loan loss allowance to noncurrent loans | 7,418.7500% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 5,436 |
| Noncurrent loans to loans | 0.0258% | 6,458 |
| Net loans and leases to total assets | 41.0236% | 6,097 |
| Net loans and leases to deposits | 52.5318% | 5,768 |
| Net loans and leases to core deposits | 52.9022% | 5,948 |
| Total domestic deposits to total assets | 78.0928% | 6,066 |
| Equity capital to assets | 16.3762% | 494 |
| Core capital (leverage) ratio | 16.1729% | 431 |
| Tier 1 risk-based capital ratio | 28.6781% | 581 |
| Total risk-based capital ratio | 29.9320% | 569 |
| Memoranda: | ||
| Average total assets | $138,341,400 | 3,978 |
| Average earning assets | $127,810,600 | 3,949 |
| Average equity | $23,568,000 | 2,794 |
| Average total loans | $59,586,400 | 4,728 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 4,920 |
| Cost of funding earning assets | 0.6832% | 3,913 |
| Net interest margin | 3.4859% | 4,699 |
| Noninterest income to average assets | 0.3650% | 4,907 |
| Noninterest expense to average assets | 1.8780% | 6,559 |
| Loan and lease loss provision to assets | 0.0883% | 4,504 |
| Net operating income to assets | 1.2735% | 1,509 |
| Return on assets (ROA) | 1.2765% | 1,651 |
| Pretax return on assets | 1.6268% | 1,485 |
| Return on Equity (ROE) | 7.4148% | 3,573 |
| Retained earnings to average equity (ytd only) | 5.5169% | 3,025 |
| Net charge-offs to loans | -0.0904% | 6,831 |
| Credit loss provision to net charge-offs | -225.0000% | 6,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3237% | 6,427 |
| Assets per employee ($millions) | 5.1017% | 2,051 |
| Cash dividends to net income (ytd only)* | 25.5958% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0361% | 2,067 |
| Loan loss allowance to noncurrent loans | 2,604.5455% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 5,473 |
| Noncurrent loans to loans | 0.0782% | 6,421 |
| Net loans and leases to total assets | 40.0295% | 6,280 |
| Net loans and leases to deposits | 49.4476% | 6,153 |
| Net loans and leases to core deposits | 50.0463% | 6,280 |
| Total domestic deposits to total assets | 80.9533% | 5,370 |
| Equity capital to assets | 17.5562% | 394 |
| Core capital (leverage) ratio | 16.4259% | 435 |
| Tier 1 risk-based capital ratio | 31.4106% | 464 |
| Total risk-based capital ratio | 32.6652% | 460 |
| Memoranda: | ||
| Average total assets | $135,885,250 | 4,063 |
| Average earning assets | $125,683,500 | 4,022 |
| Average equity | $23,394,000 | 2,833 |
| Average total loans | $58,990,500 | 4,801 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 4,863 |
| Cost of funding earning assets | 0.7098% | 3,940 |
| Net interest margin | 3.5141% | 4,609 |
| Noninterest income to average assets | 0.3667% | 4,894 |
| Noninterest expense to average assets | 1.8852% | 6,624 |
| Loan and lease loss provision to assets | 0.0887% | 4,463 |
| Net operating income to assets | 1.2893% | 1,466 |
| Return on assets (ROA) | 1.2893% | 1,620 |
| Pretax return on assets | 1.6427% | 1,417 |
| Return on Equity (ROE) | 7.5397% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.0957% | 2,661 |
| Net charge-offs to loans | -0.0902% | 6,834 |
| Credit loss provision to net charge-offs | -222.2222% | 6,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1259% | 6,489 |
| Assets per employee ($millions) | 5.0584% | 2,091 |
| Cash dividends to net income (ytd only)* | 19.1514% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9233% | 2,465 |
| Loan loss allowance to noncurrent loans | 602.7322% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 5,308 |
| Noncurrent loans to loans | 0.3191% | 5,916 |
| Net loans and leases to total assets | 41.1822% | 6,258 |
| Net loans and leases to deposits | 50.8255% | 6,123 |
| Net loans and leases to core deposits | 51.4442% | 6,275 |
| Total domestic deposits to total assets | 81.0267% | 5,461 |
| Equity capital to assets | 17.3984% | 392 |
| Core capital (leverage) ratio | 16.3556% | 429 |
| Tier 1 risk-based capital ratio | 30.6246% | 494 |
| Total risk-based capital ratio | 31.8784% | 487 |
| Memoranda: | ||
| Average total assets | $135,265,000 | 4,089 |
| Average earning assets | $125,097,670 | 4,048 |
| Average equity | $23,131,000 | 2,839 |
| Average total loans | $59,892,330 | 4,794 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 4,812 |
| Cost of funding earning assets | 0.7262% | 4,062 |
| Net interest margin | 3.5544% | 4,468 |
| Noninterest income to average assets | 0.3655% | 4,947 |
| Noninterest expense to average assets | 1.8959% | 6,655 |
| Loan and lease loss provision to assets | 0.0891% | 4,245 |
| Net operating income to assets | 1.3194% | 1,402 |
| Return on assets (ROA) | 1.3194% | 1,572 |
| Pretax return on assets | 1.6819% | 1,354 |
| Return on Equity (ROE) | 7.7842% | 3,369 |
| Retained earnings to average equity (ytd only) | 4.8563% | 3,642 |
| Net charge-offs to loans | -0.0785% | 6,711 |
| Credit loss provision to net charge-offs | -250.0000% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7018% | 6,568 |
| Assets per employee ($millions) | 4.9662% | 2,291 |
| Cash dividends to net income (ytd only)* | 37.6126% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 3,101 |
| Loan loss allowance to noncurrent loans | 368.6411% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 5,204 |
| Noncurrent loans to loans | 0.4794% | 5,713 |
| Net loans and leases to total assets | 43.8585% | 6,029 |
| Net loans and leases to deposits | 53.7265% | 5,835 |
| Net loans and leases to core deposits | 54.3873% | 6,031 |
| Total domestic deposits to total assets | 81.6330% | 5,413 |
| Equity capital to assets | 17.0858% | 415 |
| Core capital (leverage) ratio | 16.3138% | 433 |
| Tier 1 risk-based capital ratio | 29.3269% | 558 |
| Total risk-based capital ratio | 30.5797% | 547 |
| Memoranda: | ||
| Average total assets | $134,609,500 | 4,138 |
| Average earning assets | $125,029,000 | 4,087 |
| Average equity | $22,815,500 | 2,872 |
| Average total loans | $61,164,500 | 4,765 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 4,740 |
| Cost of funding earning assets | 0.9004% | 4,115 |
| Net interest margin | 3.6830% | 4,374 |
| Noninterest income to average assets | 0.4160% | 4,483 |
| Noninterest expense to average assets | 2.0967% | 6,502 |
| Loan and lease loss provision to assets | 0.0951% | 5,410 |
| Net operating income to assets | 1.2974% | 1,257 |
| Return on assets (ROA) | 1.2980% | 1,357 |
| Pretax return on assets | 1.6379% | 1,129 |
| Return on Equity (ROE) | 7.6942% | 3,061 |
| Retained earnings to average equity (ytd only) | 4.9369% | 2,687 |
| Net charge-offs to loans | -0.0515% | 7,056 |
| Credit loss provision to net charge-offs | -387.0968% | 6,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7599% | 6,448 |
| Assets per employee ($millions) | 4.8261% | 2,416 |
| Cash dividends to net income (ytd only)* | 35.8364% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 3,491 |
| Loan loss allowance to noncurrent loans | 369.0909% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.6653% | 5,320 |
| Noncurrent loans to loans | 0.4403% | 5,828 |
| Net loans and leases to total assets | 45.4722% | 6,058 |
| Net loans and leases to deposits | 58.7324% | 5,628 |
| Net loans and leases to core deposits | 59.4869% | 5,889 |
| Total domestic deposits to total assets | 77.4226% | 6,277 |
| Equity capital to assets | 16.8141% | 476 |
| Core capital (leverage) ratio | 16.6009% | 406 |
| Tier 1 risk-based capital ratio | 27.9349% | 627 |
| Total risk-based capital ratio | 29.1857% | 617 |
| Memoranda: | ||
| Average total assets | $126,195,800 | 4,245 |
| Average earning assets | $116,942,600 | 4,211 |
| Average equity | $21,288,800 | 2,980 |
| Average total loans | $60,246,000 | 4,855 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6829% | 4,538 |
| Cost of funding earning assets | 0.9435% | 4,090 |
| Net interest margin | 3.7393% | 4,161 |
| Noninterest income to average assets | 0.4173% | 4,528 |
| Noninterest expense to average assets | 2.0726% | 6,547 |
| Loan and lease loss provision to assets | 0.0968% | 5,249 |
| Net operating income to assets | 1.3415% | 1,285 |
| Return on assets (ROA) | 1.3423% | 1,375 |
| Pretax return on assets | 1.7102% | 1,123 |
| Return on Equity (ROE) | 7.9498% | 3,059 |
| Retained earnings to average equity (ytd only) | 5.8286% | 2,653 |
| Net charge-offs to loans | -0.0625% | 7,091 |
| Credit loss provision to net charge-offs | -321.4286% | 6,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4387% | 6,548 |
| Assets per employee ($millions) | 4.4654% | 2,980 |
| Cash dividends to net income (ytd only)* | 26.6827% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 3,271 |
| Loan loss allowance to noncurrent loans | 613.7500% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 5,565 |
| Noncurrent loans to loans | 0.2770% | 6,313 |
| Net loans and leases to total assets | 45.4163% | 6,200 |
| Net loans and leases to deposits | 56.4212% | 5,990 |
| Net loans and leases to core deposits | 58.4354% | 6,095 |
| Total domestic deposits to total assets | 80.4951% | 5,597 |
| Equity capital to assets | 17.9533% | 394 |
| Core capital (leverage) ratio | 16.7261% | 420 |
| Tier 1 risk-based capital ratio | 30.1666% | 532 |
| Total risk-based capital ratio | 31.4183% | 520 |
| Memoranda: | ||
| Average total assets | $123,962,000 | 4,316 |
| Average earning assets | $114,741,500 | 4,290 |
| Average equity | $20,930,750 | 3,021 |
| Average total loans | $59,692,000 | 4,913 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6979% | 4,542 |
| Cost of funding earning assets | 0.9668% | 4,200 |
| Net interest margin | 3.7311% | 4,113 |
| Noninterest income to average assets | 0.4045% | 4,642 |
| Noninterest expense to average assets | 2.0711% | 6,652 |
| Loan and lease loss provision to assets | 0.0971% | 5,112 |
| Net operating income to assets | 1.3352% | 1,228 |
| Return on assets (ROA) | 1.3365% | 1,298 |
| Pretax return on assets | 1.6973% | 1,062 |
| Return on Equity (ROE) | 8.0880% | 2,911 |
| Retained earnings to average equity (ytd only) | 6.4528% | 2,167 |
| Net charge-offs to loans | -0.0663% | 7,083 |
| Credit loss provision to net charge-offs | -300.0000% | 6,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6013% | 6,659 |
| Assets per employee ($millions) | 3.9164% | 3,956 |
| Cash dividends to net income (ytd only)* | 20.2179% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6017% | 3,687 |
| Loan loss allowance to noncurrent loans | 289.5706% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7652% | 5,370 |
| Noncurrent loans to loans | 0.5531% | 5,811 |
| Net loans and leases to total assets | 46.2753% | 6,236 |
| Net loans and leases to deposits | 56.6182% | 6,080 |
| Net loans and leases to core deposits | 58.6029% | 6,225 |
| Total domestic deposits to total assets | 81.7322% | 5,262 |
| Equity capital to assets | 16.9792% | 485 |
| Core capital (leverage) ratio | 16.5409% | 445 |
| Tier 1 risk-based capital ratio | 29.2446% | 582 |
| Total risk-based capital ratio | 30.4962% | 569 |
| Memoranda: | ||
| Average total assets | $123,606,000 | 4,353 |
| Average earning assets | $114,604,670 | 4,317 |
| Average equity | $20,425,330 | 3,072 |
| Average total loans | $60,334,000 | 4,942 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 4,284 |
| Cost of funding earning assets | 0.9774% | 4,373 |
| Net interest margin | 3.7761% | 3,731 |
| Noninterest income to average assets | 0.3976% | 4,717 |
| Noninterest expense to average assets | 2.1117% | 6,607 |
| Loan and lease loss provision to assets | 0.0978% | 4,785 |
| Net operating income to assets | 1.3361% | 1,183 |
| Return on assets (ROA) | 1.3361% | 1,232 |
| Pretax return on assets | 1.6880% | 1,008 |
| Return on Equity (ROE) | 8.2006% | 2,832 |
| Retained earnings to average equity (ytd only) | 4.8604% | 3,278 |
| Net charge-offs to loans | -0.0590% | 6,938 |
| Credit loss provision to net charge-offs | -333.3333% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1806% | 6,677 |
| Assets per employee ($millions) | 4.4379% | 2,999 |
| Cash dividends to net income (ytd only)* | 40.7317% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 4,286 |
| Loan loss allowance to noncurrent loans | 227.4559% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 5,244 |
| Noncurrent loans to loans | 0.6526% | 5,725 |
| Net loans and leases to total assets | 48.2295% | 6,052 |
| Net loans and leases to deposits | 58.3867% | 5,891 |
| Net loans and leases to core deposits | 60.4289% | 6,062 |
| Total domestic deposits to total assets | 82.6037% | 5,063 |
| Equity capital to assets | 16.2994% | 525 |
| Core capital (leverage) ratio | 16.2935% | 458 |
| Tier 1 risk-based capital ratio | 27.9806% | 636 |
| Total risk-based capital ratio | 29.2309% | 623 |
| Memoranda: | ||
| Average total assets | $122,747,000 | 4,399 |
| Average earning assets | $113,769,500 | 4,361 |
| Average equity | $19,998,500 | 3,117 |
| Average total loans | $61,032,000 | 4,959 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 4,634 |
| Cost of funding earning assets | 1.1690% | 4,742 |
| Net interest margin | 3.8148% | 3,891 |
| Noninterest income to average assets | 0.4348% | 4,639 |
| Noninterest expense to average assets | 2.1913% | 6,638 |
| Loan and lease loss provision to assets | 0.2921% | 4,457 |
| Net operating income to assets | 1.1693% | 1,487 |
| Return on assets (ROA) | 1.3977% | 1,028 |
| Pretax return on assets | 1.7816% | 796 |
| Return on Equity (ROE) | 8.5082% | 2,494 |
| Retained earnings to average equity (ytd only) | 6.8878% | 1,372 |
| Net charge-offs to loans | 1.1410% | 1,955 |
| Credit loss provision to net charge-offs | 52.7903% | 6,222 |
| Earnings coverage of net charge-offs (x) | 3.2187% | 3,466 |
| Efficiency ratio | 55.1681% | 6,694 |
| Assets per employee ($millions) | 4.3297% | 3,153 |
| Cash dividends to net income (ytd only)* | 19.0448% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 4,458 |
| Loan loss allowance to noncurrent loans | 202.3419% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8793% | 5,256 |
| Noncurrent loans to loans | 0.6974% | 5,655 |
| Net loans and leases to total assets | 49.7938% | 6,183 |
| Net loans and leases to deposits | 60.2341% | 6,034 |
| Net loans and leases to core deposits | 62.3938% | 6,206 |
| Total domestic deposits to total assets | 82.6671% | 4,941 |
| Equity capital to assets | 16.2853% | 544 |
| Core capital (leverage) ratio | 16.5664% | 443 |
| Tier 1 risk-based capital ratio | 27.5115% | 646 |
| Total risk-based capital ratio | 28.7142% | 634 |
| Memoranda: | ||
| Average total assets | $119,837,400 | 4,488 |
| Average earning assets | $111,121,000 | 4,442 |
| Average equity | $19,687,000 | 3,190 |
| Average total loans | $58,105,000 | 5,151 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0423% | 4,617 |
| Cost of funding earning assets | 1.2073% | 4,826 |
| Net interest margin | 3.8350% | 3,817 |
| Noninterest income to average assets | 0.4318% | 4,701 |
| Noninterest expense to average assets | 2.1324% | 6,778 |
| Loan and lease loss provision to assets | 0.0558% | 6,513 |
| Net operating income to assets | 1.3811% | 1,145 |
| Return on assets (ROA) | 1.3948% | 1,191 |
| Pretax return on assets | 1.8166% | 894 |
| Return on Equity (ROE) | 8.4717% | 2,698 |
| Retained earnings to average equity (ytd only) | 6.3097% | 2,196 |
| Net charge-offs to loans | 1.1304% | 1,806 |
| Credit loss provision to net charge-offs | 10.2881% | 6,334 |
| Earnings coverage of net charge-offs (x) | 3.4198% | 3,460 |
| Efficiency ratio | 53.4845% | 6,831 |
| Assets per employee ($millions) | 4.4507% | 2,984 |
| Cash dividends to net income (ytd only)* | 25.5198% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 5,150 |
| Loan loss allowance to noncurrent loans | 194.7507% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 5,393 |
| Noncurrent loans to loans | 0.6483% | 5,910 |
| Net loans and leases to total assets | 48.2849% | 6,495 |
| Net loans and leases to deposits | 59.3361% | 6,362 |
| Net loans and leases to core deposits | 61.5185% | 6,499 |
| Total domestic deposits to total assets | 81.3752% | 5,244 |
| Equity capital to assets | 17.3690% | 478 |
| Core capital (leverage) ratio | 16.2901% | 516 |
| Tier 1 risk-based capital ratio | 28.2125% | 615 |
| Total risk-based capital ratio | 29.2951% | 604 |
| Memoranda: | ||
| Average total assets | $119,488,750 | 4,550 |
| Average earning assets | $110,765,750 | 4,517 |
| Average equity | $19,673,000 | 3,233 |
| Average total loans | $57,323,750 | 5,258 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1085% | 4,409 |
| Cost of funding earning assets | 1.2379% | 4,911 |
| Net interest margin | 3.8706% | 3,583 |
| Noninterest income to average assets | 0.4192% | 4,762 |
| Noninterest expense to average assets | 2.1532% | 6,757 |
| Loan and lease loss provision to assets | 0.0838% | 6,088 |
| Net operating income to assets | 1.3945% | 1,104 |
| Return on assets (ROA) | 1.4036% | 1,149 |
| Pretax return on assets | 1.7910% | 904 |
| Return on Equity (ROE) | 8.6856% | 2,588 |
| Retained earnings to average equity (ytd only) | 7.0356% | 1,814 |
| Net charge-offs to loans | 0.0141% | 6,144 |
| Credit loss provision to net charge-offs | 1,250.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 277.7500% | 120 |
| Efficiency ratio | 53.6117% | 6,923 |
| Assets per employee ($millions) | 4.1240% | 3,537 |
| Cash dividends to net income (ytd only)* | 18.9964% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0837% | 1,998 |
| Loan loss allowance to noncurrent loans | 98.2343% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 1.3102% | 4,529 |
| Noncurrent loans to loans | 2.1211% | 3,568 |
| Net loans and leases to total assets | 48.0932% | 6,618 |
| Net loans and leases to deposits | 58.1137% | 6,568 |
| Net loans and leases to core deposits | 60.3382% | 6,689 |
| Total domestic deposits to total assets | 82.7571% | 4,665 |
| Equity capital to assets | 16.6049% | 583 |
| Core capital (leverage) ratio | 16.0479% | 562 |
| Tier 1 risk-based capital ratio | 27.8572% | 643 |
| Total risk-based capital ratio | 29.1140% | 625 |
| Memoranda: | ||
| Average total assets | $119,262,330 | 4,585 |
| Average earning assets | $110,835,000 | 4,541 |
| Average equity | $19,273,330 | 3,271 |
| Average total loans | $56,843,330 | 5,318 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1276% | 4,409 |
| Cost of funding earning assets | 1.2620% | 5,051 |
| Net interest margin | 3.8656% | 3,480 |
| Noninterest income to average assets | 0.3930% | 4,970 |
| Noninterest expense to average assets | 2.1932% | 6,701 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4073% | 1,057 |
| Return on assets (ROA) | 1.4073% | 1,129 |
| Pretax return on assets | 1.7902% | 892 |
| Return on Equity (ROE) | 8.8301% | 2,554 |
| Retained earnings to average equity (ytd only) | 5.4793% | 2,877 |
| Net charge-offs to loans | 0.0215% | 5,280 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 177.6667% | 191 |
| Efficiency ratio | 55.0590% | 6,881 |
| Assets per employee ($millions) | 4.3666% | 3,184 |
| Cash dividends to net income (ytd only)* | 37.9475% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0713% | 2,010 |
| Loan loss allowance to noncurrent loans | 123.5542% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 1.0815% | 4,984 |
| Noncurrent loans to loans | 1.6764% | 4,232 |
| Net loans and leases to total assets | 47.1199% | 6,745 |
| Net loans and leases to deposits | 56.7684% | 6,721 |
| Net loans and leases to core deposits | 59.2654% | 6,801 |
| Total domestic deposits to total assets | 83.0038% | 4,626 |
| Equity capital to assets | 16.3329% | 626 |
| Core capital (leverage) ratio | 15.7657% | 619 |
| Tier 1 risk-based capital ratio | 27.6985% | 657 |
| Total risk-based capital ratio | 28.9553% | 647 |
| Memoranda: | ||
| Average total assets | $119,095,000 | 4,653 |
| Average earning assets | $110,616,500 | 4,592 |
| Average equity | $18,980,500 | 3,324 |
| Average total loans | $55,894,000 | 5,427 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2284% | 5,516 |
| Cost of funding earning assets | 1.5589% | 5,232 |
| Net interest margin | 3.6695% | 4,257 |
| Noninterest income to average assets | 0.4540% | 4,771 |
| Noninterest expense to average assets | 2.3272% | 6,667 |
| Loan and lease loss provision to assets | 0.1685% | 6,004 |
| Net operating income to assets | 1.1390% | 1,415 |
| Return on assets (ROA) | 1.1404% | 1,438 |
| Pretax return on assets | 1.3661% | 1,512 |
| Return on Equity (ROE) | 7.5391% | 2,568 |
| Retained earnings to average equity (ytd only) | 5.7629% | 1,443 |
| Net charge-offs to loans | 0.0108% | 7,081 |
| Credit loss provision to net charge-offs | 3,333.3333% | 104 |
| Earnings coverage of net charge-offs (x) | 303.3333% | 93 |
| Efficiency ratio | 60.0916% | 6,480 |
| Assets per employee ($millions) | 4.2962% | 3,271 |
| Cash dividends to net income (ytd only)* | 23.5598% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1377% | 1,756 |
| Loan loss allowance to noncurrent loans | 111.8821% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1472% | 4,799 |
| Noncurrent loans to loans | 1.9106% | 3,788 |
| Net loans and leases to total assets | 44.7931% | 7,068 |
| Net loans and leases to deposits | 53.2499% | 7,098 |
| Net loans and leases to core deposits | 60.6176% | 7,244 |
| Total domestic deposits to total assets | 84.1188% | 3,977 |
| Equity capital to assets | 15.5495% | 776 |
| Core capital (leverage) ratio | 15.4616% | 697 |
| Tier 1 risk-based capital ratio | 27.3665% | 680 |
| Total risk-based capital ratio | 28.6228% | 662 |
| Memoranda: | ||
| Average total assets | $118,728,400 | 4,610 |
| Average earning assets | $110,205,400 | 4,560 |
| Average equity | $17,959,800 | 3,509 |
| Average total loans | $55,423,400 | 5,441 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2757% | 5,541 |
| Cost of funding earning assets | 1.6214% | 5,301 |
| Net interest margin | 3.6543% | 4,259 |
| Noninterest income to average assets | 0.4484% | 4,905 |
| Noninterest expense to average assets | 2.2804% | 6,755 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2578% | 1,321 |
| Return on assets (ROA) | 1.2596% | 1,384 |
| Pretax return on assets | 1.5627% | 1,255 |
| Return on Equity (ROE) | 8.3868% | 2,491 |
| Retained earnings to average equity (ytd only) | 5.9938% | 1,951 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1082% | 6,549 |
| Assets per employee ($millions) | 4.2448% | 3,295 |
| Cash dividends to net income (ytd only)* | 28.5329% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7820% | 2,334 |
| Loan loss allowance to noncurrent loans | 177.4368% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.7454% | 5,640 |
| Noncurrent loans to loans | 1.0043% | 5,297 |
| Net loans and leases to total assets | 45.5858% | 7,135 |
| Net loans and leases to deposits | 54.5454% | 7,171 |
| Net loans and leases to core deposits | 61.9906% | 7,326 |
| Total domestic deposits to total assets | 83.5741% | 3,919 |
| Equity capital to assets | 15.7907% | 824 |
| Core capital (leverage) ratio | 15.3505% | 794 |
| Tier 1 risk-based capital ratio | 27.1952% | 731 |
| Total risk-based capital ratio | 28.4479% | 713 |
| Memoranda: | ||
| Average total assets | $118,337,250 | 4,641 |
| Average earning assets | $109,859,750 | 4,598 |
| Average equity | $17,773,500 | 3,564 |
| Average total loans | $55,514,250 | 5,482 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3009% | 5,655 |
| Cost of funding earning assets | 1.6704% | 5,418 |
| Net interest margin | 3.6305% | 4,246 |
| Noninterest income to average assets | 0.4434% | 4,903 |
| Noninterest expense to average assets | 2.2968% | 6,766 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2294% | 1,406 |
| Return on assets (ROA) | 1.2322% | 1,477 |
| Pretax return on assets | 1.5233% | 1,383 |
| Return on Equity (ROE) | 8.3477% | 2,635 |
| Retained earnings to average equity (ytd only) | 6.5245% | 1,785 |
| Net charge-offs to loans | 0.0072% | 6,491 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 449.0000% | 73 |
| Efficiency ratio | 59.7783% | 6,586 |
| Assets per employee ($millions) | 4.1282% | 3,437 |
| Cash dividends to net income (ytd only)* | 21.8407% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8051% | 2,029 |
| Loan loss allowance to noncurrent loans | 206.5263% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 5,718 |
| Noncurrent loans to loans | 0.8740% | 5,472 |
| Net loans and leases to total assets | 44.5756% | 7,290 |
| Net loans and leases to deposits | 52.5712% | 7,353 |
| Net loans and leases to core deposits | 58.8628% | 7,491 |
| Total domestic deposits to total assets | 84.7909% | 3,357 |
| Equity capital to assets | 14.6670% | 1,118 |
| Core capital (leverage) ratio | 15.1634% | 881 |
| Tier 1 risk-based capital ratio | 26.7146% | 799 |
| Total risk-based capital ratio | 27.9699% | 776 |
| Memoranda: | ||
| Average total assets | $118,164,670 | 4,685 |
| Average earning assets | $109,793,330 | 4,631 |
| Average equity | $17,442,000 | 3,629 |
| Average total loans | $55,631,000 | 5,526 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3965% | 5,443 |
| Cost of funding earning assets | 1.7256% | 5,488 |
| Net interest margin | 3.6710% | 4,013 |
| Noninterest income to average assets | 0.4362% | 4,902 |
| Noninterest expense to average assets | 2.2387% | 6,727 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2819% | 1,425 |
| Return on assets (ROA) | 1.2846% | 1,521 |
| Pretax return on assets | 1.6152% | 1,369 |
| Return on Equity (ROE) | 8.6749% | 2,852 |
| Retained earnings to average equity (ytd only) | 5.0163% | 3,122 |
| Net charge-offs to loans | 0.0213% | 5,260 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 157.6667% | 277 |
| Efficiency ratio | 57.7876% | 6,734 |
| Assets per employee ($millions) | 4.2213% | 3,220 |
| Cash dividends to net income (ytd only)* | 42.1751% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7710% | 1,928 |
| Loan loss allowance to noncurrent loans | 316.1290% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 5,823 |
| Noncurrent loans to loans | 0.5602% | 6,011 |
| Net loans and leases to total assets | 45.9876% | 7,191 |
| Net loans and leases to deposits | 54.3795% | 7,262 |
| Net loans and leases to core deposits | 62.7286% | 7,364 |
| Total domestic deposits to total assets | 84.5679% | 3,428 |
| Equity capital to assets | 14.9236% | 1,124 |
| Core capital (leverage) ratio | 15.0963% | 944 |
| Tier 1 risk-based capital ratio | 26.1273% | 880 |
| Total risk-based capital ratio | 27.3797% | 865 |
| Memoranda: | ||
| Average total assets | $117,388,000 | 4,720 |
| Average earning assets | $109,181,000 | 4,665 |
| Average equity | $17,383,500 | 3,656 |
| Average total loans | $56,273,500 | 5,531 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8317% | 6,329 |
| Cost of funding earning assets | 2.0763% | 6,145 |
| Net interest margin | 3.7554% | 4,202 |
| Noninterest income to average assets | 0.4765% | 4,826 |
| Noninterest expense to average assets | 2.2665% | 6,796 |
| Loan and lease loss provision to assets | 0.0445% | 6,857 |
| Net operating income to assets | 1.2924% | 1,501 |
| Return on assets (ROA) | 1.3181% | 1,388 |
| Pretax return on assets | 1.6841% | 1,177 |
| Return on Equity (ROE) | 8.8229% | 2,705 |
| Retained earnings to average equity (ytd only) | 6.9212% | 1,180 |
| Net charge-offs to loans | 0.0277% | 6,436 |
| Credit loss provision to net charge-offs | 333.3333% | 1,353 |
| Earnings coverage of net charge-offs (x) | 126.9333% | 353 |
| Efficiency ratio | 56.8218% | 6,891 |
| Assets per employee ($millions) | 4.0200% | 3,470 |
| Cash dividends to net income (ytd only)* | 21.5541% | 4,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 1,854 |
| Loan loss allowance to noncurrent loans | 257.3298% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 5,340 |
| Noncurrent loans to loans | 0.6677% | 5,365 |
| Net loans and leases to total assets | 48.2317% | 7,169 |
| Net loans and leases to deposits | 56.9194% | 7,266 |
| Net loans and leases to core deposits | 64.8375% | 7,409 |
| Total domestic deposits to total assets | 84.7368% | 2,959 |
| Equity capital to assets | 14.6919% | 1,252 |
| Core capital (leverage) ratio | 15.5122% | 921 |
| Tier 1 risk-based capital ratio | 25.2256% | 967 |
| Total risk-based capital ratio | 26.4779% | 947 |
| Memoranda: | ||
| Average total assets | $112,285,400 | 4,713 |
| Average earning assets | $104,224,200 | 4,672 |
| Average equity | $16,774,600 | 3,780 |
| Average total loans | $54,082,200 | 5,521 |