Home > NorthStar Bank > Performance and Condition Ratios
NorthStar 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 | 4.6536% | 2,776 |
| Cost of funding earning assets | 1.4694% | 2,023 |
| Net interest margin | 3.1842% | 2,916 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 1.8984% | 3,841 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.9466% | 2,384 |
| Return on assets (ROA) | 0.9430% | 2,382 |
| Pretax return on assets | 1.2242% | 2,079 |
| Return on Equity (ROE) | 6.1600% | 3,487 |
| Retained earnings to average equity (ytd only) | -1.4178% | 4,222 |
| Net charge-offs to loans | 0.0024% | 2,714 |
| Credit loss provision to net charge-offs | 11,700.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 999.6667% | 153 |
| Efficiency ratio | 54.8942% | 3,607 |
| Assets per employee ($millions) | 8.6522% | 1,129 |
| Cash dividends to net income (ytd only)* | 123.0315% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 3,775 |
| Loan loss allowance to noncurrent loans | 346.1538% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 2,448 |
| Noncurrent loans to loans | 0.2549% | 2,271 |
| Net loans and leases to total assets | 63.2900% | 2,537 |
| Net loans and leases to deposits | 75.8520% | 2,468 |
| Net loans and leases to core deposits | 81.2064% | 2,638 |
| Total domestic deposits to total assets | 83.4400% | 2,770 |
| Equity capital to assets | 16.2498% | 440 |
| Core capital (leverage) ratio | 11.5747% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3666% | 852 |
| Memoranda: | ||
| Average total assets | $215,492,000 | 2,871 |
| Average earning assets | $194,367,200 | 2,915 |
| Average equity | $33,007,800 | 2,143 |
| Average total loans | $124,296,400 | 2,912 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 2,669 |
| Cost of funding earning assets | 1.3464% | 2,012 |
| Net interest margin | 3.2570% | 2,786 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.7787% | 4,018 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.0530% | 2,209 |
| Return on assets (ROA) | 1.0491% | 2,209 |
| Pretax return on assets | 1.3771% | 1,830 |
| Return on Equity (ROE) | 6.9500% | 3,446 |
| Retained earnings to average equity (ytd only) | -3.2049% | 4,371 |
| Net charge-offs to loans | 0.0011% | 2,586 |
| Credit loss provision to net charge-offs | 27,900.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 2,533.0000% | 51 |
| Efficiency ratio | 50.6441% | 3,866 |
| Assets per employee ($millions) | 9.6145% | 765 |
| Cash dividends to net income (ytd only)* | 146.1134% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 3,824 |
| 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 | 59.3100% | 2,909 |
| Net loans and leases to deposits | 70.4687% | 2,810 |
| Net loans and leases to core deposits | 75.4836% | 2,902 |
| Total domestic deposits to total assets | 84.1700% | 2,725 |
| Equity capital to assets | 15.5442% | 488 |
| Core capital (leverage) ratio | 11.1769% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9858% | 818 |
| Memoranda: | ||
| Average total assets | $217,452,000 | 2,874 |
| Average earning assets | $196,370,000 | 2,905 |
| Average equity | $32,824,000 | 2,135 |
| Average total loans | $122,222,500 | 2,928 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 2,506 |
| Cost of funding earning assets | 1.1816% | 2,047 |
| Net interest margin | 3.3773% | 2,579 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 1.7928% | 4,012 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.1111% | 2,094 |
| Return on assets (ROA) | 1.1111% | 2,082 |
| Pretax return on assets | 1.4592% | 1,679 |
| Return on Equity (ROE) | 7.4300% | 3,379 |
| Retained earnings to average equity (ytd only) | -7.8096% | 4,483 |
| Net charge-offs to loans | 0.0017% | 2,330 |
| Credit loss provision to net charge-offs | 19,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,792.0000% | 75 |
| Efficiency ratio | 49.6941% | 3,955 |
| Assets per employee ($millions) | 9.6934% | 732 |
| Cash dividends to net income (ytd only)* | 205.0861% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 3,918 |
| 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 | 55.6800% | 3,142 |
| Net loans and leases to deposits | 65.8666% | 3,065 |
| Net loans and leases to core deposits | 69.8170% | 3,142 |
| Total domestic deposits to total assets | 84.5300% | 2,681 |
| Equity capital to assets | 15.2279% | 500 |
| Core capital (leverage) ratio | 10.6746% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3723% | 777 |
| Memoranda: | ||
| Average total assets | $219,429,667 | 2,875 |
| Average earning assets | $198,383,333 | 2,898 |
| Average equity | $32,805,667 | 2,146 |
| Average total loans | $120,777,000 | 2,937 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 2,311 |
| Cost of funding earning assets | 1.0739% | 1,827 |
| Net interest margin | 3.4282% | 2,560 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.8587% | 3,936 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.1505% | 2,067 |
| Return on assets (ROA) | 1.1505% | 2,035 |
| Pretax return on assets | 1.5118% | 1,649 |
| Return on Equity (ROE) | 7.7600% | 3,356 |
| Retained earnings to average equity (ytd only) | -22.5649% | 4,608 |
| Net charge-offs to loans | 0.0033% | 1,890 |
| Credit loss provision to net charge-offs | 9,700.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 938.0000% | 112 |
| Efficiency ratio | 49.8986% | 3,946 |
| Assets per employee ($millions) | 10.1564% | 670 |
| Cash dividends to net income (ytd only)* | 390.6250% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 4,109 |
| 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 | 51.7500% | 3,361 |
| Net loans and leases to deposits | 60.6527% | 3,295 |
| Net loans and leases to core deposits | 63.6203% | 3,367 |
| Total domestic deposits to total assets | 85.3200% | 2,768 |
| Equity capital to assets | 14.3940% | 542 |
| Core capital (leverage) ratio | 9.8231% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1393% | 826 |
| Memoranda: | ||
| Average total assets | $222,517,500 | 2,894 |
| Average earning assets | $201,506,000 | 2,920 |
| Average equity | $32,971,500 | 2,167 |
| Average total loans | $121,292,500 | 2,963 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4826% | 3,128 |
| Cost of funding earning assets | 0.3412% | 2,551 |
| Net interest margin | 3.1414% | 3,055 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.5907% | 4,317 |
| Loan and lease loss provision to assets | 0.3500% | 208 |
| Net operating income to assets | 0.9919% | 2,600 |
| Return on assets (ROA) | 0.9919% | 2,548 |
| Pretax return on assets | 1.3009% | 2,084 |
| Return on Equity (ROE) | 7.0200% | 3,635 |
| Retained earnings to average equity (ytd only) | 7.0201% | 2,236 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.2309% | 4,332 |
| Assets per employee ($millions) | 9.2331% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6522% | 4,285 |
| Loan loss allowance to noncurrent loans | 82,200.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,963 |
| Noncurrent loans to loans | 0.0008% | 3,901 |
| Net loans and leases to total assets | 56.5000% | 2,973 |
| Net loans and leases to deposits | 66.8175% | 2,832 |
| Net loans and leases to core deposits | 69.6319% | 2,903 |
| Total domestic deposits to total assets | 84.5700% | 3,090 |
| Equity capital to assets | 15.2445% | 450 |
| Core capital (leverage) ratio | 10.8173% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7777% | 861 |
| Memoranda: | ||
| Average total assets | $233,987,000 | 2,829 |
| Average earning assets | $213,057,600 | 2,845 |
| Average equity | $33,062,200 | 2,196 |
| Average total loans | $120,818,000 | 2,909 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2499% | 3,310 |
| Cost of funding earning assets | 0.1915% | 3,377 |
| Net interest margin | 3.0584% | 3,056 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.5544% | 4,357 |
| Loan and lease loss provision to assets | 0.4000% | 141 |
| Net operating income to assets | 0.9144% | 2,818 |
| Return on assets (ROA) | 0.9144% | 2,788 |
| Pretax return on assets | 1.1979% | 2,374 |
| Return on Equity (ROE) | 6.5900% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.5930% | 2,521 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.4171% | 4,355 |
| Assets per employee ($millions) | 9.5735% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5957% | 4,385 |
| Loan loss allowance to noncurrent loans | 5,966.6667% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,959 |
| Noncurrent loans to loans | 0.0100% | 3,875 |
| Net loans and leases to total assets | 52.0000% | 3,277 |
| Net loans and leases to deposits | 60.8313% | 3,124 |
| Net loans and leases to core deposits | 63.4076% | 3,164 |
| Total domestic deposits to total assets | 85.4900% | 3,179 |
| Equity capital to assets | 14.3660% | 526 |
| Core capital (leverage) ratio | 10.1535% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9713% | 866 |
| Memoranda: | ||
| Average total assets | $237,085,250 | 2,823 |
| Average earning assets | $216,537,250 | 2,835 |
| Average equity | $32,882,500 | 2,238 |
| Average total loans | $119,514,500 | 2,931 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0855% | 3,339 |
| Cost of funding earning assets | 0.1241% | 3,916 |
| Net interest margin | 2.9613% | 3,001 |
| Noninterest income to average assets | 0.3398% | 3,119 |
| Noninterest expense to average assets | 1.5497% | 4,358 |
| Loan and lease loss provision to assets | 0.5043% | 105 |
| Net operating income to assets | 0.7623% | 3,106 |
| Return on assets (ROA) | 0.7623% | 3,063 |
| Pretax return on assets | 0.9953% | 2,752 |
| Return on Equity (ROE) | 5.5602% | 3,690 |
| Retained earnings to average equity (ytd only) | 5.5602% | 2,489 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9463% | 4,345 |
| Assets per employee ($millions) | 9.7589% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5121% | 4,541 |
| Loan loss allowance to noncurrent loans | 3,552.9412% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,971 |
| Noncurrent loans to loans | 0.0144% | 3,859 |
| Net loans and leases to total assets | 50.0971% | 3,370 |
| Net loans and leases to deposits | 58.3209% | 3,195 |
| Net loans and leases to core deposits | 60.6810% | 3,224 |
| Total domestic deposits to total assets | 85.8992% | 3,276 |
| Equity capital to assets | 13.9467% | 524 |
| Core capital (leverage) ratio | 9.4395% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4453% | 926 |
| Memoranda: | ||
| Average total assets | $239,525,333 | 2,833 |
| Average earning assets | $219,157,000 | 2,854 |
| Average equity | $32,840,667 | 2,279 |
| Average total loans | $119,285,333 | 2,952 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6269% | 4,075 |
| Cost of funding earning assets | 0.0884% | 4,268 |
| Net interest margin | 2.5385% | 3,813 |
| Noninterest income to average assets | 0.3815% | 2,803 |
| Noninterest expense to average assets | 1.5724% | 4,339 |
| Loan and lease loss provision to assets | 0.3386% | 174 |
| Net operating income to assets | 0.6194% | 3,331 |
| Return on assets (ROA) | 0.6194% | 3,315 |
| Pretax return on assets | 0.7944% | 3,124 |
| Return on Equity (ROE) | 4.5553% | 3,741 |
| Retained earnings to average equity (ytd only) | 4.5553% | 2,757 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0061% | 3,975 |
| Assets per employee ($millions) | 10.1933% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1705% | 4,722 |
| 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 | 49.0611% | 3,273 |
| Net loans and leases to deposits | 56.8237% | 3,185 |
| Net loans and leases to core deposits | 59.0075% | 3,238 |
| Total domestic deposits to total assets | 86.3391% | 3,156 |
| Equity capital to assets | 13.4720% | 610 |
| Core capital (leverage) ratio | 9.0166% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3404% | 1,180 |
| Memoranda: | ||
| Average total assets | $242,181,500 | 2,830 |
| Average earning assets | $221,708,500 | 2,854 |
| Average equity | $32,928,500 | 2,334 |
| Average total loans | $119,959,000 | 2,945 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1450% | 4,831 |
| Cost of funding earning assets | 0.0063% | 4,808 |
| Net interest margin | 0.1386% | 4,828 |
| Noninterest income to average assets | 0.0223% | 4,767 |
| Noninterest expense to average assets | 0.0689% | 4,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0661% | 4,645 |
| Return on assets (ROA) | 0.0661% | 4,656 |
| Pretax return on assets | 0.0835% | 4,652 |
| Return on Equity (ROE) | 0.5233% | 4,656 |
| Retained earnings to average equity (ytd only) | 0.5233% | 4,370 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2096% | 4,530 |
| Assets per employee ($millions) | 9.9885% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,076 |
| Noncurrent loans to loans | 0.0167% | 3,962 |
| Net loans and leases to total assets | 49.9285% | 3,286 |
| Net loans and leases to deposits | 57.9733% | 3,257 |
| Net loans and leases to core deposits | 60.3288% | 3,293 |
| Total domestic deposits to total assets | 86.1232% | 2,859 |
| Equity capital to assets | 13.7238% | 721 |
| Core capital (leverage) ratio | 9.6082% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0869% | 1,245 |
| Memoranda: | ||
| Average total assets | $219,268,200 | 2,911 |
| Average earning assets | $205,560,200 | 2,911 |
| Average equity | $27,708,800 | 2,667 |
| Average total loans | $118,347,000 | 2,964 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0440% | 3,917 |
| Cost of funding earning assets | 0.1590% | 4,023 |
| Net interest margin | 2.8850% | 3,588 |
| Noninterest income to average assets | 0.3816% | 3,200 |
| Noninterest expense to average assets | 1.8217% | 4,122 |
| Loan and lease loss provision to assets | -0.3712% | 4,854 |
| Net operating income to assets | 1.5708% | 1,098 |
| Return on assets (ROA) | 1.5708% | 1,144 |
| Pretax return on assets | 1.6542% | 1,539 |
| Return on Equity (ROE) | 12.7367% | 1,787 |
| Retained earnings to average equity (ytd only) | 5.6692% | 2,970 |
| Net charge-offs to loans | 0.0034% | 2,223 |
| Credit loss provision to net charge-offs | -19,866.6667% | 4,240 |
| Earnings coverage of net charge-offs (x) | 687.0000% | 234 |
| Efficiency ratio | 57.4694% | 3,354 |
| Assets per employee ($millions) | 9.0341% | 883 |
| Cash dividends to net income (ytd only)* | 55.4895% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 3,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 51.6897% | 3,225 |
| Net loans and leases to deposits | 59.2311% | 3,306 |
| Net loans and leases to core deposits | 61.7942% | 3,339 |
| Total domestic deposits to total assets | 87.2677% | 2,235 |
| Equity capital to assets | 12.4795% | 1,181 |
| Core capital (leverage) ratio | 10.4550% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0597% | 689 |
| Memoranda: | ||
| Average total assets | $214,154,500 | 2,986 |
| Average earning assets | $202,141,000 | 2,969 |
| Average equity | $26,411,250 | 2,792 |
| Average total loans | $118,011,250 | 3,011 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1470% | 3,776 |
| Cost of funding earning assets | 0.1767% | 3,978 |
| Net interest margin | 2.9702% | 3,391 |
| Noninterest income to average assets | 0.3629% | 3,286 |
| Noninterest expense to average assets | 1.8465% | 4,081 |
| Loan and lease loss provision to assets | -0.5617% | 4,914 |
| Net operating income to assets | 1.7893% | 734 |
| Return on assets (ROA) | 1.7893% | 771 |
| Pretax return on assets | 1.8840% | 1,052 |
| Return on Equity (ROE) | 14.5673% | 1,265 |
| Retained earnings to average equity (ytd only) | 6.5507% | 2,602 |
| Net charge-offs to loans | 0.0050% | 1,959 |
| Credit loss provision to net charge-offs | -19,966.6667% | 4,093 |
| Earnings coverage of net charge-offs (x) | 470.0000% | 278 |
| Efficiency ratio | 57.0879% | 3,395 |
| Assets per employee ($millions) | 8.7284% | 939 |
| Cash dividends to net income (ytd only)* | 55.0314% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 3,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 51.1940% | 3,430 |
| Net loans and leases to deposits | 58.5789% | 3,492 |
| Net loans and leases to core deposits | 61.0971% | 3,532 |
| Total domestic deposits to total assets | 87.3933% | 2,135 |
| Equity capital to assets | 12.2832% | 1,229 |
| Core capital (leverage) ratio | 10.3268% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2115% | 676 |
| Memoranda: | ||
| Average total assets | $213,266,333 | 2,990 |
| Average earning assets | $201,464,667 | 2,969 |
| Average equity | $26,195,667 | 2,801 |
| Average total loans | $119,565,000 | 3,012 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7430% | 4,436 |
| Cost of funding earning assets | 0.2073% | 3,849 |
| Net interest margin | 2.5357% | 4,253 |
| Noninterest income to average assets | 0.4364% | 2,888 |
| Noninterest expense to average assets | 1.8065% | 4,207 |
| Loan and lease loss provision to assets | 0.0019% | 2,723 |
| Net operating income to assets | 0.9678% | 2,910 |
| Return on assets (ROA) | 0.9678% | 3,006 |
| Pretax return on assets | 1.0190% | 3,319 |
| Return on Equity (ROE) | 7.8789% | 3,364 |
| Retained earnings to average equity (ytd only) | -2.9353% | 4,597 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5503% | 2,666 |
| Assets per employee ($millions) | 8.3956% | 1,038 |
| Cash dividends to net income (ytd only)* | 137.2549% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 1,517 |
| Loan loss allowance to noncurrent loans | 1,251.3333% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 3,881 |
| Noncurrent loans to loans | 0.1220% | 3,703 |
| Net loans and leases to total assets | 55.4793% | 3,098 |
| Net loans and leases to deposits | 63.1567% | 3,204 |
| Net loans and leases to core deposits | 65.6716% | 3,270 |
| Total domestic deposits to total assets | 87.8439% | 1,919 |
| Equity capital to assets | 11.7800% | 1,399 |
| Core capital (leverage) ratio | 10.0530% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5785% | 986 |
| Memoranda: | ||
| Average total assets | $210,795,000 | 3,000 |
| Average earning assets | $198,762,500 | 2,984 |
| Average equity | $25,892,000 | 2,804 |
| Average total loans | $122,855,500 | 2,988 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5336% | 3,956 |
| Cost of funding earning assets | 0.4821% | 3,067 |
| Net interest margin | 3.0516% | 3,747 |
| Noninterest income to average assets | 0.3899% | 3,150 |
| Noninterest expense to average assets | 1.9626% | 4,210 |
| Loan and lease loss provision to assets | 0.0062% | 4,275 |
| Net operating income to assets | 1.2105% | 1,519 |
| Return on assets (ROA) | 1.2275% | 1,566 |
| Pretax return on assets | 1.2901% | 2,011 |
| Return on Equity (ROE) | 9.2472% | 2,295 |
| Retained earnings to average equity (ytd only) | 0.7458% | 4,304 |
| Net charge-offs to loans | -0.0159% | 4,370 |
| Credit loss provision to net charge-offs | -57.1429% | 3,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2909% | 3,553 |
| Assets per employee ($millions) | 7.5298% | 1,260 |
| Cash dividends to net income (ytd only)* | 91.9348% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 1,487 |
| Loan loss allowance to noncurrent loans | 240.8216% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 2,453 |
| Noncurrent loans to loans | 0.6347% | 2,100 |
| Net loans and leases to total assets | 59.4452% | 2,927 |
| Net loans and leases to deposits | 68.4064% | 3,041 |
| Net loans and leases to core deposits | 71.4248% | 3,137 |
| Total domestic deposits to total assets | 86.9000% | 1,985 |
| Equity capital to assets | 12.8231% | 1,166 |
| Core capital (leverage) ratio | 10.7195% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6893% | 947 |
| Memoranda: | ||
| Average total assets | $194,943,200 | 2,985 |
| Average earning assets | $182,134,800 | 2,981 |
| Average equity | $25,878,000 | 2,747 |
| Average total loans | $131,696,400 | 2,846 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7030% | 3,795 |
| Cost of funding earning assets | 0.5500% | 2,926 |
| Net interest margin | 3.1530% | 3,613 |
| Noninterest income to average assets | 0.3726% | 3,218 |
| Noninterest expense to average assets | 2.0139% | 4,119 |
| Loan and lease loss provision to assets | 0.0062% | 4,204 |
| Net operating income to assets | 1.2284% | 1,554 |
| Return on assets (ROA) | 1.2514% | 1,594 |
| Pretax return on assets | 1.3177% | 1,982 |
| Return on Equity (ROE) | 9.3429% | 2,262 |
| Retained earnings to average equity (ytd only) | 3.9230% | 3,090 |
| Net charge-offs to loans | -0.0209% | 4,435 |
| Credit loss provision to net charge-offs | -42.8571% | 3,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5243% | 3,452 |
| Assets per employee ($millions) | 7.1802% | 1,386 |
| Cash dividends to net income (ytd only)* | 58.0110% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4850% | 1,431 |
| Loan loss allowance to noncurrent loans | 38.3811% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 2.5172% | 215 |
| Noncurrent loans to loans | 3.8691% | 170 |
| Net loans and leases to total assets | 64.0927% | 2,763 |
| Net loans and leases to deposits | 74.5585% | 2,907 |
| Net loans and leases to core deposits | 78.0436% | 3,005 |
| Total domestic deposits to total assets | 85.9630% | 2,091 |
| Equity capital to assets | 13.7301% | 931 |
| Core capital (leverage) ratio | 11.7479% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4863% | 975 |
| Memoranda: | ||
| Average total assets | $192,852,750 | 2,981 |
| Average earning assets | $179,888,000 | 2,979 |
| Average equity | $25,830,000 | 2,743 |
| Average total loans | $133,937,750 | 2,825 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 3,969 |
| Cost of funding earning assets | 0.6352% | 2,782 |
| Net interest margin | 3.1239% | 3,851 |
| Noninterest income to average assets | 0.3657% | 3,291 |
| Noninterest expense to average assets | 2.0736% | 4,092 |
| Loan and lease loss provision to assets | 0.0062% | 4,102 |
| Net operating income to assets | 1.1425% | 1,833 |
| Return on assets (ROA) | 1.1771% | 1,841 |
| Pretax return on assets | 1.2394% | 2,221 |
| Return on Equity (ROE) | 8.8629% | 2,414 |
| Retained earnings to average equity (ytd only) | 2.6049% | 3,548 |
| Net charge-offs to loans | -0.0308% | 4,554 |
| Credit loss provision to net charge-offs | -28.5714% | 3,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8987% | 3,144 |
| Assets per employee ($millions) | 7.0433% | 1,415 |
| Cash dividends to net income (ytd only)* | 70.6090% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 1,608 |
| Loan loss allowance to noncurrent loans | 869.7674% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 3,964 |
| Noncurrent loans to loans | 0.1603% | 3,813 |
| Net loans and leases to total assets | 69.5638% | 2,101 |
| Net loans and leases to deposits | 80.9839% | 2,314 |
| Net loans and leases to core deposits | 84.9519% | 2,524 |
| Total domestic deposits to total assets | 85.8983% | 2,062 |
| Equity capital to assets | 13.7557% | 908 |
| Core capital (leverage) ratio | 11.2396% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5174% | 1,127 |
| Memoranda: | ||
| Average total assets | $192,515,000 | 2,966 |
| Average earning assets | $179,773,333 | 2,960 |
| Average equity | $25,567,333 | 2,745 |
| Average total loans | $136,541,333 | 2,788 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 3,860 |
| Cost of funding earning assets | 0.8234% | 2,256 |
| Net interest margin | 3.1524% | 3,973 |
| Noninterest income to average assets | 0.4048% | 3,059 |
| Noninterest expense to average assets | 2.0135% | 4,372 |
| Loan and lease loss provision to assets | 0.0062% | 3,675 |
| Net operating income to assets | 1.2675% | 1,338 |
| Return on assets (ROA) | 1.3362% | 1,233 |
| Pretax return on assets | 1.4064% | 1,544 |
| Return on Equity (ROE) | 10.2408% | 1,663 |
| Retained earnings to average equity (ytd only) | 1.9310% | 3,470 |
| Net charge-offs to loans | -0.0610% | 4,693 |
| Credit loss provision to net charge-offs | -14.2857% | 3,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8054% | 3,898 |
| Assets per employee ($millions) | 6.9698% | 1,103 |
| Cash dividends to net income (ytd only)* | 81.1437% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 1,838 |
| Loan loss allowance to noncurrent loans | 186,700.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,660 |
| Noncurrent loans to loans | 0.0007% | 4,591 |
| Net loans and leases to total assets | 69.1599% | 2,373 |
| Net loans and leases to deposits | 79.5536% | 2,721 |
| Net loans and leases to core deposits | 83.5463% | 2,889 |
| Total domestic deposits to total assets | 86.9350% | 1,586 |
| Equity capital to assets | 12.8467% | 1,525 |
| Core capital (leverage) ratio | 11.1229% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8051% | 1,394 |
| Memoranda: | ||
| Average total assets | $193,688,500 | 2,919 |
| Average earning assets | $181,195,500 | 2,911 |
| Average equity | $25,271,500 | 2,760 |
| Average total loans | $137,733,000 | 2,746 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 3,286 |
| Cost of funding earning assets | 1.0778% | 1,411 |
| Net interest margin | 3.3101% | 3,966 |
| Noninterest income to average assets | 0.4269% | 3,123 |
| Noninterest expense to average assets | 2.0659% | 4,412 |
| Loan and lease loss provision to assets | 0.0063% | 3,882 |
| Net operating income to assets | 1.3718% | 1,443 |
| Return on assets (ROA) | 1.3718% | 1,517 |
| Pretax return on assets | 1.4407% | 2,007 |
| Return on Equity (ROE) | 10.3528% | 2,141 |
| Retained earnings to average equity (ytd only) | 1.5238% | 4,193 |
| Net charge-offs to loans | 0.0171% | 3,104 |
| Credit loss provision to net charge-offs | 50.0000% | 3,125 |
| Earnings coverage of net charge-offs (x) | 114.6667% | 607 |
| Efficiency ratio | 57.6111% | 4,022 |
| Assets per employee ($millions) | 6.6283% | 1,220 |
| Cash dividends to net income (ytd only)* | 85.2817% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 1,798 |
| Loan loss allowance to noncurrent loans | 195.8555% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 2,308 |
| Noncurrent loans to loans | 0.6788% | 2,188 |
| Net loans and leases to total assets | 71.1609% | 2,225 |
| Net loans and leases to deposits | 82.3116% | 2,521 |
| Net loans and leases to core deposits | 87.0700% | 2,702 |
| Total domestic deposits to total assets | 86.4532% | 1,866 |
| Equity capital to assets | 13.2513% | 1,389 |
| Core capital (leverage) ratio | 11.1559% | 2,369 |
| Tier 1 risk-based capital ratio | 15.3517% | 2,631 |
| Total risk-based capital ratio | 16.6031% | 2,567 |
| Memoranda: | ||
| Average total assets | $190,187,000 | 2,915 |
| Average earning assets | $177,303,200 | 2,912 |
| Average equity | $25,200,800 | 2,704 |
| Average total loans | $140,604,600 | 2,712 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 3,100 |
| Cost of funding earning assets | 1.1012% | 1,352 |
| Net interest margin | 3.3856% | 3,895 |
| Noninterest income to average assets | 0.4168% | 3,219 |
| Noninterest expense to average assets | 2.0673% | 4,419 |
| Loan and lease loss provision to assets | 0.0063% | 3,754 |
| Net operating income to assets | 1.4241% | 1,399 |
| Return on assets (ROA) | 1.4241% | 1,455 |
| Pretax return on assets | 1.5008% | 1,954 |
| Return on Equity (ROE) | 10.7479% | 2,122 |
| Retained earnings to average equity (ytd only) | 2.7904% | 3,978 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6568% | 4,100 |
| Assets per employee ($millions) | 6.5484% | 1,242 |
| Cash dividends to net income (ytd only)* | 74.0374% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 1,634 |
| Loan loss allowance to noncurrent loans | 2,452.6316% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 4,518 |
| Noncurrent loans to loans | 0.0565% | 4,382 |
| Net loans and leases to total assets | 69.8576% | 2,498 |
| Net loans and leases to deposits | 81.0304% | 2,798 |
| Net loans and leases to core deposits | 85.7600% | 2,928 |
| Total domestic deposits to total assets | 86.2115% | 1,902 |
| Equity capital to assets | 13.4920% | 1,370 |
| Core capital (leverage) ratio | 11.6345% | 2,119 |
| Tier 1 risk-based capital ratio | 15.8237% | 2,506 |
| Total risk-based capital ratio | 17.0759% | 2,442 |
| Memoranda: | ||
| Average total assets | $189,678,250 | 2,950 |
| Average earning assets | $176,900,000 | 2,944 |
| Average equity | $25,133,000 | 2,722 |
| Average total loans | $141,098,250 | 2,738 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 2,929 |
| Cost of funding earning assets | 1.1180% | 1,227 |
| Net interest margin | 3.4094% | 3,868 |
| Noninterest income to average assets | 0.3956% | 3,292 |
| Noninterest expense to average assets | 2.1234% | 4,370 |
| Loan and lease loss provision to assets | 0.0063% | 3,605 |
| Net operating income to assets | 1.3776% | 1,487 |
| Return on assets (ROA) | 1.3776% | 1,548 |
| Pretax return on assets | 1.4504% | 2,028 |
| Return on Equity (ROE) | 10.4606% | 2,197 |
| Retained earnings to average equity (ytd only) | 3.6524% | 3,428 |
| Net charge-offs to loans | 0.0321% | 2,212 |
| Credit loss provision to net charge-offs | 26.0870% | 2,620 |
| Earnings coverage of net charge-offs (x) | 60.0435% | 982 |
| Efficiency ratio | 58.1320% | 3,995 |
| Assets per employee ($millions) | 6.4344% | 1,274 |
| Cash dividends to net income (ytd only)* | 65.0842% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,019 |
| Loan loss allowance to noncurrent loans | 1,074.8538% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 4,311 |
| Noncurrent loans to loans | 0.1209% | 4,139 |
| Net loans and leases to total assets | 74.8367% | 1,750 |
| Net loans and leases to deposits | 86.9292% | 2,141 |
| Net loans and leases to core deposits | 92.0515% | 2,414 |
| Total domestic deposits to total assets | 86.0893% | 1,979 |
| Equity capital to assets | 13.6513% | 1,264 |
| Core capital (leverage) ratio | 11.3692% | 2,276 |
| Tier 1 risk-based capital ratio | 15.0658% | 2,807 |
| Total risk-based capital ratio | 16.3165% | 2,727 |
| Memoranda: | ||
| Average total assets | $189,602,670 | 2,961 |
| Average earning assets | $177,098,000 | 2,949 |
| Average equity | $24,970,000 | 2,728 |
| Average total loans | $143,288,670 | 2,725 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4629% | 2,996 |
| Cost of funding earning assets | 1.0497% | 1,379 |
| Net interest margin | 3.4132% | 3,852 |
| Noninterest income to average assets | 0.4312% | 2,970 |
| Noninterest expense to average assets | 2.1747% | 4,324 |
| Loan and lease loss provision to assets | 0.0063% | 3,350 |
| Net operating income to assets | 1.3689% | 1,462 |
| Return on assets (ROA) | 1.3689% | 1,504 |
| Pretax return on assets | 1.4421% | 1,955 |
| Return on Equity (ROE) | 10.5832% | 2,125 |
| Retained earnings to average equity (ytd only) | 1.2784% | 4,260 |
| Net charge-offs to loans | 0.0638% | 1,402 |
| Credit loss provision to net charge-offs | 13.0435% | 2,168 |
| Earnings coverage of net charge-offs (x) | 30.0870% | 1,332 |
| Efficiency ratio | 58.8677% | 3,972 |
| Assets per employee ($millions) | 6.6071% | 1,190 |
| Cash dividends to net income (ytd only)* | 87.9205% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 2,185 |
| Loan loss allowance to noncurrent loans | 1,581.8966% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 4,520 |
| Noncurrent loans to loans | 0.0808% | 4,398 |
| Net loans and leases to total assets | 73.9248% | 1,823 |
| Net loans and leases to deposits | 85.2005% | 2,225 |
| Net loans and leases to core deposits | 89.0060% | 2,597 |
| Total domestic deposits to total assets | 86.7656% | 1,924 |
| Equity capital to assets | 12.9703% | 1,472 |
| Core capital (leverage) ratio | 11.1194% | 2,456 |
| Tier 1 risk-based capital ratio | 14.6177% | 3,056 |
| Total risk-based capital ratio | 15.8682% | 2,976 |
| Memoranda: | ||
| Average total assets | $191,105,500 | 2,986 |
| Average earning assets | $178,718,000 | 2,964 |
| Average equity | $24,718,500 | 2,742 |
| Average total loans | $144,192,500 | 2,748 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 2,804 |
| Cost of funding earning assets | 0.7598% | 1,740 |
| Net interest margin | 3.6278% | 3,286 |
| Noninterest income to average assets | 0.4401% | 3,166 |
| Noninterest expense to average assets | 2.2071% | 4,322 |
| Loan and lease loss provision to assets | 0.0066% | 3,987 |
| Net operating income to assets | 1.5463% | 1,003 |
| Return on assets (ROA) | 1.5396% | 1,012 |
| Pretax return on assets | 1.6185% | 1,411 |
| Return on Equity (ROE) | 11.4969% | 1,900 |
| Retained earnings to average equity (ytd only) | 2.2879% | 4,238 |
| Net charge-offs to loans | -0.0014% | 4,203 |
| Credit loss provision to net charge-offs | -600.0000% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3455% | 4,364 |
| Assets per employee ($millions) | 6.5726% | 1,185 |
| Cash dividends to net income (ytd only)* | 80.0997% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,144 |
| Loan loss allowance to noncurrent loans | 5,983.8710% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,744 |
| Noncurrent loans to loans | 0.0214% | 4,690 |
| Net loans and leases to total assets | 75.0509% | 1,766 |
| Net loans and leases to deposits | 86.4481% | 2,224 |
| Net loans and leases to core deposits | 89.8222% | 2,587 |
| Total domestic deposits to total assets | 86.8161% | 1,867 |
| Equity capital to assets | 12.8985% | 1,393 |
| Core capital (leverage) ratio | 11.3215% | 2,249 |
| Tier 1 risk-based capital ratio | 14.5286% | 3,052 |
| Total risk-based capital ratio | 15.7796% | 2,966 |
| Memoranda: | ||
| Average total assets | $182,455,200 | 3,031 |
| Average earning assets | $170,959,400 | 3,014 |
| Average equity | $24,432,600 | 2,686 |
| Average total loans | $146,492,000 | 2,684 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3543% | 2,776 |
| Cost of funding earning assets | 0.6857% | 1,940 |
| Net interest margin | 3.6686% | 3,126 |
| Noninterest income to average assets | 0.4234% | 3,333 |
| Noninterest expense to average assets | 2.2525% | 4,209 |
| Loan and lease loss provision to assets | 0.0067% | 3,841 |
| Net operating income to assets | 1.5270% | 1,130 |
| Return on assets (ROA) | 1.5179% | 1,149 |
| Pretax return on assets | 1.5985% | 1,587 |
| Return on Equity (ROE) | 11.2263% | 2,077 |
| Retained earnings to average equity (ytd only) | 3.3012% | 4,102 |
| Net charge-offs to loans | -0.0018% | 4,077 |
| Credit loss provision to net charge-offs | -450.0000% | 4,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0992% | 4,241 |
| Assets per employee ($millions) | 5.9216% | 1,550 |
| Cash dividends to net income (ytd only)* | 70.5941% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 2,180 |
| Loan loss allowance to noncurrent loans | 1,582.9060% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 4,651 |
| Noncurrent loans to loans | 0.0810% | 4,513 |
| Net loans and leases to total assets | 80.2453% | 983 |
| Net loans and leases to deposits | 93.6691% | 1,413 |
| Net loans and leases to core deposits | 97.6397% | 1,971 |
| Total domestic deposits to total assets | 85.6689% | 2,340 |
| Equity capital to assets | 13.8723% | 998 |
| Core capital (leverage) ratio | 11.8066% | 1,909 |
| Tier 1 risk-based capital ratio | 14.7112% | 3,012 |
| Total risk-based capital ratio | 15.9620% | 2,938 |
| Memoranda: | ||
| Average total assets | $180,418,000 | 3,070 |
| Average earning assets | $169,360,500 | 3,055 |
| Average equity | $24,394,500 | 2,702 |
| Average total loans | $146,888,750 | 2,694 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 2,987 |
| Cost of funding earning assets | 0.5807% | 2,357 |
| Net interest margin | 3.6565% | 3,090 |
| Noninterest income to average assets | 0.4059% | 3,443 |
| Noninterest expense to average assets | 2.2499% | 4,260 |
| Loan and lease loss provision to assets | 0.0066% | 3,707 |
| Net operating income to assets | 1.5132% | 1,124 |
| Return on assets (ROA) | 1.5132% | 1,124 |
| Pretax return on assets | 1.5937% | 1,520 |
| Return on Equity (ROE) | 11.2869% | 1,997 |
| Retained earnings to average equity (ytd only) | 4.2943% | 3,456 |
| Net charge-offs to loans | -0.0014% | 3,911 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2902% | 4,329 |
| Assets per employee ($millions) | 5.9064% | 1,545 |
| Cash dividends to net income (ytd only)* | 61.9534% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 82.0462% | 704 |
| Net loans and leases to deposits | 95.2250% | 1,225 |
| Net loans and leases to core deposits | 98.7406% | 1,832 |
| Total domestic deposits to total assets | 86.1604% | 2,207 |
| Equity capital to assets | 13.4382% | 1,126 |
| Core capital (leverage) ratio | 11.6848% | 1,917 |
| Tier 1 risk-based capital ratio | 13.9862% | 3,364 |
| Total risk-based capital ratio | 15.2364% | 3,291 |
| Memoranda: | ||
| Average total assets | $181,341,000 | 3,078 |
| Average earning assets | $170,818,330 | 3,056 |
| Average equity | $24,311,330 | 2,724 |
| Average total loans | $147,716,000 | 2,697 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 3,050 |
| Cost of funding earning assets | 0.5119% | 2,706 |
| Net interest margin | 3.6420% | 3,021 |
| Noninterest income to average assets | 0.5032% | 2,777 |
| Noninterest expense to average assets | 2.3938% | 3,962 |
| Loan and lease loss provision to assets | 0.0066% | 3,422 |
| Net operating income to assets | 1.4474% | 1,202 |
| Return on assets (ROA) | 1.4474% | 1,209 |
| Pretax return on assets | 1.5250% | 1,613 |
| Return on Equity (ROE) | 10.8092% | 2,041 |
| Retained earnings to average equity (ytd only) | 1.2912% | 4,549 |
| Net charge-offs to loans | -0.0027% | 3,858 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8532% | 4,086 |
| Assets per employee ($millions) | 5.8978% | 1,605 |
| Cash dividends to net income (ytd only)* | 88.0551% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 2,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.6644% | 1,133 |
| Net loans and leases to deposits | 91.0370% | 1,555 |
| Net loans and leases to core deposits | 94.0677% | 2,130 |
| Total domestic deposits to total assets | 86.4093% | 2,357 |
| Equity capital to assets | 13.2149% | 1,153 |
| Core capital (leverage) ratio | 11.4452% | 2,055 |
| Tier 1 risk-based capital ratio | 14.3990% | 3,172 |
| Total risk-based capital ratio | 15.6502% | 3,086 |
| Memoranda: | ||
| Average total assets | $180,462,500 | 3,123 |
| Average earning assets | $169,575,500 | 3,103 |
| Average equity | $24,164,500 | 2,758 |
| Average total loans | $145,537,000 | 2,740 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 3,283 |
| Cost of funding earning assets | 0.3844% | 3,387 |
| Net interest margin | 3.6535% | 2,976 |
| Noninterest income to average assets | 0.4951% | 3,034 |
| Noninterest expense to average assets | 2.1449% | 4,664 |
| Loan and lease loss provision to assets | 0.0066% | 4,135 |
| Net operating income to assets | 1.6810% | 547 |
| Return on assets (ROA) | 1.6669% | 582 |
| Pretax return on assets | 1.7509% | 894 |
| Return on Equity (ROE) | 12.7951% | 998 |
| Retained earnings to average equity (ytd only) | 3.3789% | 3,267 |
| Net charge-offs to loans | 0.0014% | 4,076 |
| Credit loss provision to net charge-offs | 600.0000% | 539 |
| Earnings coverage of net charge-offs (x) | 1,614.5000% | 41 |
| Efficiency ratio | 53.6360% | 4,975 |
| Assets per employee ($millions) | 5.7450% | 1,719 |
| Cash dividends to net income (ytd only)* | 73.5924% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 80.6119% | 881 |
| Net loans and leases to deposits | 93.9002% | 1,284 |
| Net loans and leases to core deposits | 96.7987% | 1,961 |
| Total domestic deposits to total assets | 85.8485% | 2,509 |
| Equity capital to assets | 13.5704% | 1,036 |
| Core capital (leverage) ratio | 11.3347% | 2,072 |
| Tier 1 risk-based capital ratio | 14.3875% | 3,147 |
| Total risk-based capital ratio | 15.6386% | 3,057 |
| Memoranda: | ||
| Average total assets | $182,196,400 | 3,087 |
| Average earning assets | $170,659,400 | 3,064 |
| Average equity | $23,735,600 | 2,784 |
| Average total loans | $147,117,000 | 2,686 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 3,276 |
| Cost of funding earning assets | 0.3695% | 3,467 |
| Net interest margin | 3.6512% | 2,945 |
| Noninterest income to average assets | 0.4839% | 3,125 |
| Noninterest expense to average assets | 2.1569% | 4,621 |
| Loan and lease loss provision to assets | 0.0065% | 3,997 |
| Net operating income to assets | 1.6548% | 634 |
| Return on assets (ROA) | 1.6548% | 653 |
| Pretax return on assets | 1.7428% | 1,018 |
| Return on Equity (ROE) | 12.8322% | 1,093 |
| Retained earnings to average equity (ytd only) | 4.1702% | 3,418 |
| Net charge-offs to loans | 0.0018% | 3,706 |
| Credit loss provision to net charge-offs | 450.0000% | 702 |
| Earnings coverage of net charge-offs (x) | 1,200.4682% | 81 |
| Efficiency ratio | 54.0984% | 4,928 |
| Assets per employee ($millions) | 5.7723% | 1,671 |
| Cash dividends to net income (ytd only)* | 67.5024% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,458 |
| Loan loss allowance to noncurrent loans | 654.0925% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 4,486 |
| Noncurrent loans to loans | 0.1958% | 4,298 |
| Net loans and leases to total assets | 79.1669% | 1,103 |
| Net loans and leases to deposits | 92.1775% | 1,544 |
| Net loans and leases to core deposits | 95.0006% | 2,168 |
| Total domestic deposits to total assets | 85.8853% | 2,355 |
| Equity capital to assets | 13.5413% | 1,137 |
| Core capital (leverage) ratio | 11.5107% | 2,011 |
| Tier 1 risk-based capital ratio | 14.3814% | 3,248 |
| Total risk-based capital ratio | 15.6327% | 3,164 |
| Memoranda: | ||
| Average total assets | $183,222,000 | 3,109 |
| Average earning assets | $171,738,000 | 3,075 |
| Average equity | $23,627,500 | 2,816 |
| Average total loans | $147,544,750 | 2,697 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 3,480 |
| Cost of funding earning assets | 0.3621% | 3,461 |
| Net interest margin | 3.5598% | 3,186 |
| Noninterest income to average assets | 0.4896% | 3,088 |
| Noninterest expense to average assets | 2.1359% | 4,703 |
| Loan and lease loss provision to assets | 0.0065% | 3,793 |
| Net operating income to assets | 1.6063% | 694 |
| Return on assets (ROA) | 1.6063% | 717 |
| Pretax return on assets | 1.6908% | 1,078 |
| Return on Equity (ROE) | 12.6610% | 1,125 |
| Retained earnings to average equity (ytd only) | 2.2026% | 4,356 |
| Net charge-offs to loans | 0.0013% | 3,475 |
| Credit loss provision to net charge-offs | 600.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 1,567.0000% | 35 |
| Efficiency ratio | 54.5917% | 4,967 |
| Assets per employee ($millions) | 5.7252% | 1,676 |
| Cash dividends to net income (ytd only)* | 82.6028% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,935 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 4,894 |
| Noncurrent loans to loans | 0.0899% | 4,767 |
| Net loans and leases to total assets | 84.2080% | 421 |
| Net loans and leases to deposits | 97.8685% | 904 |
| Net loans and leases to core deposits | 100.8795% | 1,592 |
| Total domestic deposits to total assets | 86.0420% | 2,361 |
| Equity capital to assets | 13.3969% | 1,189 |
| Core capital (leverage) ratio | 10.8938% | 2,515 |
| Tier 1 risk-based capital ratio | 13.4317% | 3,729 |
| Total risk-based capital ratio | 14.6821% | 3,650 |
| Memoranda: | ||
| Average total assets | $184,649,000 | 3,110 |
| Average earning assets | $173,436,000 | 3,067 |
| Average equity | $23,426,330 | 2,837 |
| Average total loans | $148,893,000 | 2,690 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7225% | 4,037 |
| Cost of funding earning assets | 0.3532% | 3,493 |
| Net interest margin | 3.3693% | 3,768 |
| Noninterest income to average assets | 0.5971% | 2,431 |
| Noninterest expense to average assets | 2.1930% | 4,662 |
| Loan and lease loss provision to assets | 0.0064% | 3,483 |
| Net operating income to assets | 1.4811% | 850 |
| Return on assets (ROA) | 1.4811% | 874 |
| Pretax return on assets | 1.5598% | 1,339 |
| Return on Equity (ROE) | 11.9909% | 1,238 |
| Retained earnings to average equity (ytd only) | -4.7826% | 5,371 |
| Net charge-offs to loans | 0.0027% | 2,874 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 737.0000% | 68 |
| Efficiency ratio | 57.2075% | 4,812 |
| Assets per employee ($millions) | 6.0595% | 1,460 |
| Cash dividends to net income (ytd only)* | 139.8852% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,947 |
| Loan loss allowance to noncurrent loans | 786.6953% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 4,765 |
| Noncurrent loans to loans | 0.1562% | 4,564 |
| Net loans and leases to total assets | 78.4382% | 1,070 |
| Net loans and leases to deposits | 89.9574% | 1,537 |
| Net loans and leases to core deposits | 92.5271% | 2,118 |
| Total domestic deposits to total assets | 87.1948% | 2,112 |
| Equity capital to assets | 12.3186% | 1,650 |
| Core capital (leverage) ratio | 10.1681% | 3,290 |
| Tier 1 risk-based capital ratio | 13.2734% | 3,900 |
| Total risk-based capital ratio | 14.5242% | 3,821 |
| Memoranda: | ||
| Average total assets | $188,232,500 | 3,102 |
| Average earning assets | $176,655,500 | 3,063 |
| Average equity | $23,251,000 | 2,862 |
| Average total loans | $147,694,500 | 2,724 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8785% | 3,650 |
| Cost of funding earning assets | 0.2823% | 4,238 |
| Net interest margin | 3.5962% | 3,076 |
| Noninterest income to average assets | 0.4730% | 3,395 |
| Noninterest expense to average assets | 2.1355% | 4,924 |
| Loan and lease loss provision to assets | 0.1057% | 2,287 |
| Net operating income to assets | 1.5235% | 792 |
| Return on assets (ROA) | 1.5235% | 820 |
| Pretax return on assets | 1.6007% | 1,275 |
| Return on Equity (ROE) | 12.0960% | 1,210 |
| Retained earnings to average equity (ytd only) | 3.4467% | 3,476 |
| Net charge-offs to loans | 0.0007% | 4,263 |
| Credit loss provision to net charge-offs | 19,300.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 3,117.0000% | 14 |
| Efficiency ratio | 54.4457% | 5,207 |
| Assets per employee ($millions) | 6.0845% | 1,416 |
| Cash dividends to net income (ytd only)* | 71.5056% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 2,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,446 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 76.5469% | 1,432 |
| Net loans and leases to deposits | 87.9183% | 1,935 |
| Net loans and leases to core deposits | 90.5676% | 2,448 |
| Total domestic deposits to total assets | 87.0660% | 2,110 |
| Equity capital to assets | 12.3858% | 1,585 |
| Core capital (leverage) ratio | 10.6189% | 2,755 |
| Tier 1 risk-based capital ratio | 13.7208% | 3,634 |
| Total risk-based capital ratio | 14.9714% | 3,539 |
| Memoranda: | ||
| Average total assets | $182,673,600 | 3,138 |
| Average earning assets | $171,123,600 | 3,101 |
| Average equity | $23,007,600 | 2,891 |
| Average total loans | $148,616,600 | 2,664 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 3,500 |
| Cost of funding earning assets | 0.2787% | 4,306 |
| Net interest margin | 3.6500% | 2,890 |
| Noninterest income to average assets | 0.4621% | 3,478 |
| Noninterest expense to average assets | 2.1885% | 4,800 |
| Loan and lease loss provision to assets | 0.1067% | 2,149 |
| Net operating income to assets | 1.5085% | 864 |
| Return on assets (ROA) | 1.5085% | 914 |
| Pretax return on assets | 1.5880% | 1,417 |
| Return on Equity (ROE) | 11.9258% | 1,350 |
| Retained earnings to average equity (ytd only) | 2.2979% | 4,546 |
| Net charge-offs to loans | -0.0009% | 4,434 |
| Credit loss provision to net charge-offs | -14,500.0000% | 5,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2208% | 5,133 |
| Assets per employee ($millions) | 5.6782% | 1,691 |
| Cash dividends to net income (ytd only)* | 80.7315% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 3,066 |
| Loan loss allowance to noncurrent loans | 841.9811% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 4,924 |
| Noncurrent loans to loans | 0.1461% | 4,759 |
| Net loans and leases to total assets | 81.4191% | 699 |
| Net loans and leases to deposits | 94.5794% | 1,198 |
| Net loans and leases to core deposits | 97.6706% | 1,844 |
| Total domestic deposits to total assets | 86.0855% | 2,309 |
| Equity capital to assets | 13.1919% | 1,393 |
| Core capital (leverage) ratio | 10.4977% | 3,001 |
| Tier 1 risk-based capital ratio | 13.6239% | 3,784 |
| Total risk-based capital ratio | 14.8747% | 3,694 |
| Memoranda: | ||
| Average total assets | $181,187,250 | 3,165 |
| Average earning assets | $169,823,250 | 3,126 |
| Average equity | $22,919,000 | 2,925 |
| Average total loans | $149,217,500 | 2,654 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 3,531 |
| Cost of funding earning assets | 0.2737% | 4,403 |
| Net interest margin | 3.6495% | 2,900 |
| Noninterest income to average assets | 0.4450% | 3,560 |
| Noninterest expense to average assets | 2.1825% | 4,882 |
| Loan and lease loss provision to assets | 0.1093% | 2,043 |
| Net operating income to assets | 1.5002% | 895 |
| Return on assets (ROA) | 1.5002% | 936 |
| Pretax return on assets | 1.5789% | 1,425 |
| Return on Equity (ROE) | 12.0254% | 1,314 |
| Retained earnings to average equity (ytd only) | 2.6908% | 4,187 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2542% | 5,219 |
| Assets per employee ($millions) | 5.7475% | 1,585 |
| Cash dividends to net income (ytd only)* | 77.6239% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 3,552 |
| Loan loss allowance to noncurrent loans | 1,499.1379% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 4,825 |
| Noncurrent loans to loans | 0.0777% | 5,137 |
| Net loans and leases to total assets | 82.8104% | 534 |
| Net loans and leases to deposits | 95.9555% | 1,083 |
| Net loans and leases to core deposits | 98.9863% | 1,726 |
| Total domestic deposits to total assets | 86.3009% | 2,268 |
| Equity capital to assets | 12.9908% | 1,508 |
| Core capital (leverage) ratio | 10.5640% | 2,889 |
| Tier 1 risk-based capital ratio | 13.2341% | 4,057 |
| Total risk-based capital ratio | 14.4727% | 3,980 |
| Memoranda: | ||
| Average total assets | $182,908,000 | 3,157 |
| Average earning assets | $171,692,670 | 3,124 |
| Average equity | $22,818,330 | 2,938 |
| Average total loans | $150,589,000 | 2,636 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 3,754 |
| Cost of funding earning assets | 0.2668% | 4,534 |
| Net interest margin | 3.5879% | 3,131 |
| Noninterest income to average assets | 0.5462% | 2,831 |
| Noninterest expense to average assets | 2.2475% | 4,789 |
| Loan and lease loss provision to assets | 0.1187% | 1,777 |
| Net operating income to assets | 1.4702% | 904 |
| Return on assets (ROA) | 1.4702% | 945 |
| Pretax return on assets | 1.5480% | 1,443 |
| Return on Equity (ROE) | 12.0241% | 1,310 |
| Retained earnings to average equity (ytd only) | -2.3660% | 5,420 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3155% | 5,166 |
| Assets per employee ($millions) | 6.0374% | 1,384 |
| Cash dividends to net income (ytd only)* | 119.6769% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 3,968 |
| Loan loss allowance to noncurrent loans | 1,473.0435% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 4,929 |
| Noncurrent loans to loans | 0.0757% | 5,173 |
| Net loans and leases to total assets | 80.2921% | 774 |
| Net loans and leases to deposits | 92.0012% | 1,343 |
| Net loans and leases to core deposits | 94.7276% | 1,910 |
| Total domestic deposits to total assets | 87.2728% | 2,064 |
| Equity capital to assets | 12.0935% | 1,961 |
| Core capital (leverage) ratio | 10.0325% | 3,499 |
| Tier 1 risk-based capital ratio | 12.7036% | 4,458 |
| Total risk-based capital ratio | 13.8907% | 4,402 |
| Memoranda: | ||
| Average total assets | $185,276,000 | 3,142 |
| Average earning assets | $173,920,000 | 3,113 |
| Average equity | $22,654,500 | 2,959 |
| Average total loans | $151,241,500 | 2,628 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7505% | 4,190 |
| Cost of funding earning assets | 0.2803% | 4,482 |
| Net interest margin | 3.4702% | 3,640 |
| Noninterest income to average assets | 0.4494% | 3,672 |
| Noninterest expense to average assets | 2.0807% | 5,287 |
| Loan and lease loss provision to assets | 0.1636% | 1,406 |
| Net operating income to assets | 1.3766% | 1,081 |
| Return on assets (ROA) | 1.3766% | 1,125 |
| Pretax return on assets | 1.4459% | 1,739 |
| Return on Equity (ROE) | 11.5491% | 1,425 |
| Retained earnings to average equity (ytd only) | 4.9372% | 2,461 |
| Net charge-offs to loans | 0.0194% | 3,878 |
| Credit loss provision to net charge-offs | 1,071.4286% | 315 |
| Earnings coverage of net charge-offs (x) | 105.3929% | 550 |
| Efficiency ratio | 55.2025% | 5,422 |
| Assets per employee ($millions) | 6.1131% | 1,313 |
| Cash dividends to net income (ytd only)* | 57.2504% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 4,106 |
| Loan loss allowance to noncurrent loans | 2,156.5789% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 5,019 |
| Noncurrent loans to loans | 0.0505% | 5,312 |
| Net loans and leases to total assets | 81.1788% | 678 |
| Net loans and leases to deposits | 93.3732% | 1,267 |
| Net loans and leases to core deposits | 96.1328% | 1,835 |
| Total domestic deposits to total assets | 86.9401% | 2,169 |
| Equity capital to assets | 12.3641% | 1,693 |
| Core capital (leverage) ratio | 10.1641% | 3,304 |
| Tier 1 risk-based capital ratio | 13.0188% | 4,296 |
| Total risk-based capital ratio | 14.1807% | 4,265 |
| Memoranda: | ||
| Average total assets | $183,348,200 | 3,126 |
| Average earning assets | $171,231,400 | 3,107 |
| Average equity | $21,854,600 | 2,991 |
| Average total loans | $144,159,400 | 2,685 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 4,317 |
| Cost of funding earning assets | 0.2797% | 4,563 |
| Net interest margin | 3.4542% | 3,734 |
| Noninterest income to average assets | 0.4393% | 3,802 |
| Noninterest expense to average assets | 2.1039% | 5,265 |
| Loan and lease loss provision to assets | 0.1636% | 1,302 |
| Net operating income to assets | 1.3265% | 1,272 |
| Return on assets (ROA) | 1.3265% | 1,331 |
| Pretax return on assets | 1.3963% | 2,029 |
| Return on Equity (ROE) | 11.2332% | 1,615 |
| Retained earnings to average equity (ytd only) | 2.3341% | 4,721 |
| Net charge-offs to loans | -0.0019% | 4,697 |
| Credit loss provision to net charge-offs | -11,250.0000% | 5,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2326% | 5,325 |
| Assets per employee ($millions) | 6.0596% | 1,333 |
| Cash dividends to net income (ytd only)* | 79.2215% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 4,261 |
| Loan loss allowance to noncurrent loans | 3,007.5472% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 5,225 |
| Noncurrent loans to loans | 0.0364% | 5,474 |
| Net loans and leases to total assets | 79.2456% | 917 |
| Net loans and leases to deposits | 92.1612% | 1,386 |
| Net loans and leases to core deposits | 95.2626% | 1,952 |
| Total domestic deposits to total assets | 85.9859% | 2,522 |
| Equity capital to assets | 12.0938% | 2,035 |
| Core capital (leverage) ratio | 10.1212% | 3,473 |
| Tier 1 risk-based capital ratio | 12.7804% | 4,564 |
| Total risk-based capital ratio | 13.9344% | 4,529 |
| Memoranda: | ||
| Average total assets | $183,336,750 | 3,156 |
| Average earning assets | $171,151,250 | 3,130 |
| Average equity | $21,649,500 | 3,026 |
| Average total loans | $142,570,250 | 2,717 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6978% | 4,417 |
| Cost of funding earning assets | 0.2775% | 4,640 |
| Net interest margin | 3.4204% | 3,829 |
| Noninterest income to average assets | 0.3840% | 4,203 |
| Noninterest expense to average assets | 2.1289% | 5,276 |
| Loan and lease loss provision to assets | 0.1632% | 1,296 |
| Net operating income to assets | 1.2195% | 1,544 |
| Return on assets (ROA) | 1.2195% | 1,623 |
| Pretax return on assets | 1.2836% | 2,422 |
| Return on Equity (ROE) | 10.4097% | 1,888 |
| Retained earnings to average equity (ytd only) | 0.3343% | 5,406 |
| Net charge-offs to loans | -0.0014% | 4,561 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3207% | 5,182 |
| Assets per employee ($millions) | 5.9998% | 1,354 |
| Cash dividends to net income (ytd only)* | 96.7886% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 4,569 |
| Loan loss allowance to noncurrent loans | 481.9048% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 5,173 |
| Noncurrent loans to loans | 0.2191% | 4,903 |
| Net loans and leases to total assets | 79.0433% | 934 |
| Net loans and leases to deposits | 90.6752% | 1,513 |
| Net loans and leases to core deposits | 93.7092% | 1,988 |
| Total domestic deposits to total assets | 87.1719% | 2,070 |
| Equity capital to assets | 12.0092% | 2,021 |
| Core capital (leverage) ratio | 9.7838% | 3,884 |
| Tier 1 risk-based capital ratio | 12.6612% | 4,706 |
| Total risk-based capital ratio | 13.7719% | 4,710 |
| Memoranda: | ||
| Average total assets | $183,853,000 | 3,177 |
| Average earning assets | $171,559,330 | 3,144 |
| Average equity | $21,537,670 | 3,050 |
| Average total loans | $141,542,670 | 2,732 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6102% | 4,657 |
| Cost of funding earning assets | 0.2706% | 4,778 |
| Net interest margin | 3.3395% | 4,062 |
| Noninterest income to average assets | 0.3919% | 4,070 |
| Noninterest expense to average assets | 2.1035% | 5,378 |
| Loan and lease loss provision to assets | 0.1615% | 1,250 |
| Net operating income to assets | 1.1993% | 1,551 |
| Return on assets (ROA) | 1.1993% | 1,650 |
| Pretax return on assets | 1.2617% | 2,417 |
| Return on Equity (ROE) | 10.3635% | 1,844 |
| Retained earnings to average equity (ytd only) | -5.1725% | 5,945 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4249% | 5,290 |
| Assets per employee ($millions) | 6.0139% | 1,390 |
| Cash dividends to net income (ytd only)* | 149.9102% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 4,840 |
| Loan loss allowance to noncurrent loans | 259.8198% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 4,782 |
| Noncurrent loans to loans | 0.3988% | 4,394 |
| Net loans and leases to total assets | 73.8777% | 1,522 |
| Net loans and leases to deposits | 84.1768% | 2,047 |
| Net loans and leases to core deposits | 87.0745% | 2,421 |
| Total domestic deposits to total assets | 87.7649% | 1,951 |
| Equity capital to assets | 11.4745% | 2,481 |
| Core capital (leverage) ratio | 9.3146% | 4,545 |
| Tier 1 risk-based capital ratio | 12.7230% | 4,773 |
| Total risk-based capital ratio | 13.8030% | 4,787 |
| Memoranda: | ||
| Average total assets | $185,782,000 | 3,164 |
| Average earning assets | $174,396,000 | 3,121 |
| Average equity | $21,498,500 | 3,075 |
| Average total loans | $140,418,000 | 2,753 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 5,169 |
| Cost of funding earning assets | 0.2987% | 4,811 |
| Net interest margin | 3.2704% | 4,685 |
| Noninterest income to average assets | 0.4678% | 3,730 |
| Noninterest expense to average assets | 2.1011% | 5,569 |
| Loan and lease loss provision to assets | 0.1630% | 1,611 |
| Net operating income to assets | 1.1957% | 1,598 |
| Return on assets (ROA) | 1.2649% | 1,446 |
| Pretax return on assets | 1.3279% | 2,148 |
| Return on Equity (ROE) | 11.2134% | 1,652 |
| Retained earnings to average equity (ytd only) | 6.1799% | 1,819 |
| Net charge-offs to loans | -0.0015% | 5,364 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4684% | 5,411 |
| Assets per employee ($millions) | 5.9720% | 1,398 |
| Cash dividends to net income (ytd only)* | 44.8883% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 5,218 |
| Loan loss allowance to noncurrent loans | 45,566.6667% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 6,094 |
| Noncurrent loans to loans | 0.0021% | 5,928 |
| Net loans and leases to total assets | 75.7812% | 1,301 |
| Net loans and leases to deposits | 86.6330% | 1,898 |
| Net loans and leases to core deposits | 89.7131% | 2,310 |
| Total domestic deposits to total assets | 87.4739% | 2,049 |
| Equity capital to assets | 11.6700% | 2,284 |
| Core capital (leverage) ratio | 9.3851% | 4,406 |
| Tier 1 risk-based capital ratio | 12.2276% | 5,206 |
| Total risk-based capital ratio | 13.2204% | 5,284 |
| Memoranda: | ||
| Average total assets | $184,049,200 | 3,165 |
| Average earning assets | $171,721,800 | 3,135 |
| Average equity | $20,760,800 | 3,074 |
| Average total loans | $131,049,800 | 2,852 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 5,293 |
| Cost of funding earning assets | 0.3035% | 4,858 |
| Net interest margin | 3.2378% | 4,828 |
| Noninterest income to average assets | 0.4926% | 3,594 |
| Noninterest expense to average assets | 2.1163% | 5,533 |
| Loan and lease loss provision to assets | 0.1632% | 1,520 |
| Net operating income to assets | 1.1700% | 1,792 |
| Return on assets (ROA) | 1.2624% | 1,545 |
| Pretax return on assets | 1.3291% | 2,275 |
| Return on Equity (ROE) | 11.2894% | 1,690 |
| Retained earnings to average equity (ytd only) | 4.8012% | 3,213 |
| Net charge-offs to loans | -0.0062% | 5,335 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0289% | 5,307 |
| Assets per employee ($millions) | 5.8567% | 1,445 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 5,351 |
| Loan loss allowance to noncurrent loans | 696.7742% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 5,518 |
| Noncurrent loans to loans | 0.1389% | 5,509 |
| Net loans and leases to total assets | 73.0253% | 1,677 |
| Net loans and leases to deposits | 83.3967% | 2,242 |
| Net loans and leases to core deposits | 86.7384% | 2,579 |
| Total domestic deposits to total assets | 87.5638% | 2,004 |
| Equity capital to assets | 11.5858% | 2,401 |
| Core capital (leverage) ratio | 9.3142% | 4,620 |
| Tier 1 risk-based capital ratio | 12.1156% | 5,413 |
| Total risk-based capital ratio | 13.0811% | 5,516 |
| Memoranda: | ||
| Average total assets | $183,778,250 | 3,198 |
| Average earning assets | $171,344,750 | 3,164 |
| Average equity | $20,549,750 | 3,110 |
| Average total loans | $128,396,500 | 2,904 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5005% | 5,409 |
| Cost of funding earning assets | 0.3065% | 4,908 |
| Net interest margin | 3.1940% | 4,966 |
| Noninterest income to average assets | 0.4520% | 3,860 |
| Noninterest expense to average assets | 2.1201% | 5,587 |
| Loan and lease loss provision to assets | 0.1626% | 1,519 |
| Net operating income to assets | 1.0937% | 1,970 |
| Return on assets (ROA) | 1.0937% | 2,028 |
| Pretax return on assets | 1.1511% | 2,875 |
| Return on Equity (ROE) | 9.8980% | 2,200 |
| Retained earnings to average equity (ytd only) | 1.8540% | 4,960 |
| Net charge-offs to loans | -0.0063% | 5,214 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4798% | 5,223 |
| Assets per employee ($millions) | 5.8085% | 1,413 |
| Cash dividends to net income (ytd only)* | 81.2686% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 5,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 5,975 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 70.0140% | 2,083 |
| Net loans and leases to deposits | 79.8619% | 2,532 |
| Net loans and leases to core deposits | 82.8062% | 2,882 |
| Total domestic deposits to total assets | 87.6688% | 2,104 |
| Equity capital to assets | 11.4854% | 2,439 |
| Core capital (leverage) ratio | 8.5197% | 5,616 |
| Tier 1 risk-based capital ratio | 12.0841% | 5,491 |
| Total risk-based capital ratio | 13.0236% | 5,590 |
| Memoranda: | ||
| Average total assets | $184,518,000 | 3,211 |
| Average earning assets | $172,262,670 | 3,166 |
| Average equity | $20,388,000 | 3,130 |
| Average total loans | $126,568,670 | 2,936 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4029% | 5,639 |
| Cost of funding earning assets | 0.3029% | 5,037 |
| Net interest margin | 3.1000% | 5,251 |
| Noninterest income to average assets | 0.5376% | 3,129 |
| Noninterest expense to average assets | 2.1805% | 5,507 |
| Loan and lease loss provision to assets | 0.1606% | 1,513 |
| Net operating income to assets | 1.0367% | 2,059 |
| Return on assets (ROA) | 1.0367% | 2,132 |
| Pretax return on assets | 1.0903% | 2,956 |
| Return on Equity (ROE) | 9.5645% | 2,217 |
| Retained earnings to average equity (ytd only) | -3.0828% | 5,970 |
| Net charge-offs to loans | -0.0032% | 4,749 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2971% | 5,082 |
| Assets per employee ($millions) | 6.1579% | 1,198 |
| Cash dividends to net income (ytd only)* | 132.2314% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 5,814 |
| Loan loss allowance to noncurrent loans | 294.0722% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 5,300 |
| Noncurrent loans to loans | 0.3122% | 5,170 |
| Net loans and leases to total assets | 64.5014% | 2,810 |
| Net loans and leases to deposits | 72.7547% | 3,239 |
| Net loans and leases to core deposits | 74.9166% | 3,538 |
| Total domestic deposits to total assets | 88.6561% | 1,860 |
| Equity capital to assets | 10.5854% | 3,161 |
| Core capital (leverage) ratio | 8.4099% | 5,738 |
| Tier 1 risk-based capital ratio | 11.8095% | 5,756 |
| Total risk-based capital ratio | 12.6886% | 5,896 |
| Memoranda: | ||
| Average total assets | $186,745,000 | 3,213 |
| Average earning assets | $174,320,000 | 3,170 |
| Average equity | $20,241,500 | 3,144 |
| Average total loans | $126,208,000 | 2,942 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5258% | 5,590 |
| Cost of funding earning assets | 0.3698% | 4,958 |
| Net interest margin | 3.1560% | 5,141 |
| Noninterest income to average assets | 0.4633% | 4,005 |
| Noninterest expense to average assets | 2.2055% | 5,613 |
| Loan and lease loss provision to assets | 0.1647% | 2,214 |
| Net operating income to assets | 0.9547% | 2,546 |
| Return on assets (ROA) | 0.9776% | 2,500 |
| Pretax return on assets | 1.0265% | 3,240 |
| Return on Equity (ROE) | 9.0216% | 2,522 |
| Retained earnings to average equity (ytd only) | 6.0481% | 1,940 |
| Net charge-offs to loans | -0.0008% | 5,826 |
| Credit loss provision to net charge-offs | -30,000.0000% | 6,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1113% | 4,874 |
| Assets per employee ($millions) | 5.8902% | 1,343 |
| Cash dividends to net income (ytd only)* | 32.9590% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 6,101 |
| Loan loss allowance to noncurrent loans | 691.5584% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 5,669 |
| Noncurrent loans to loans | 0.1202% | 5,843 |
| Net loans and leases to total assets | 69.5966% | 2,081 |
| Net loans and leases to deposits | 79.3115% | 2,553 |
| Net loans and leases to core deposits | 81.7992% | 2,918 |
| Total domestic deposits to total assets | 87.7510% | 2,333 |
| Equity capital to assets | 11.1044% | 2,521 |
| Core capital (leverage) ratio | 8.7641% | 5,343 |
| Tier 1 risk-based capital ratio | 11.7550% | 5,772 |
| Total risk-based capital ratio | 12.5645% | 5,952 |
| Memoranda: | ||
| Average total assets | $182,180,200 | 3,252 |
| Average earning assets | $167,933,400 | 3,240 |
| Average equity | $19,741,600 | 3,182 |
| Average total loans | $122,548,800 | 2,994 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5112% | 5,661 |
| Cost of funding earning assets | 0.3772% | 5,025 |
| Net interest margin | 3.1340% | 5,218 |
| Noninterest income to average assets | 0.4679% | 4,014 |
| Noninterest expense to average assets | 2.2217% | 5,551 |
| Loan and lease loss provision to assets | 0.1648% | 2,200 |
| Net operating income to assets | 0.9240% | 2,717 |
| Return on assets (ROA) | 0.9549% | 2,669 |
| Pretax return on assets | 0.9974% | 3,515 |
| Return on Equity (ROE) | 8.8669% | 2,699 |
| Retained earnings to average equity (ytd only) | 5.4330% | 2,774 |
| Net charge-offs to loans | -0.0066% | 5,824 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9989% | 4,648 |
| Assets per employee ($millions) | 5.6497% | 1,502 |
| Cash dividends to net income (ytd only)* | 38.7273% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 6,198 |
| Loan loss allowance to noncurrent loans | 210.3594% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 5,180 |
| Noncurrent loans to loans | 0.4000% | 5,194 |
| Net loans and leases to total assets | 64.8579% | 2,836 |
| Net loans and leases to deposits | 73.8472% | 3,254 |
| Net loans and leases to core deposits | 76.1793% | 3,596 |
| Total domestic deposits to total assets | 87.8272% | 2,230 |
| Equity capital to assets | 11.0560% | 2,711 |
| Core capital (leverage) ratio | 8.7489% | 5,478 |
| Tier 1 risk-based capital ratio | 12.1741% | 5,668 |
| Total risk-based capital ratio | 12.9790% | 5,891 |
| Memoranda: | ||
| Average total assets | $182,076,500 | 3,281 |
| Average earning assets | $167,534,750 | 3,282 |
| Average equity | $19,608,000 | 3,228 |
| Average total loans | $121,149,750 | 3,035 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5267% | 5,637 |
| Cost of funding earning assets | 0.3818% | 5,114 |
| Net interest margin | 3.1449% | 5,142 |
| Noninterest income to average assets | 0.4252% | 4,339 |
| Noninterest expense to average assets | 2.2750% | 5,433 |
| Loan and lease loss provision to assets | 0.1644% | 2,275 |
| Net operating income to assets | 0.8318% | 3,141 |
| Return on assets (ROA) | 0.8318% | 3,296 |
| Pretax return on assets | 0.8745% | 4,011 |
| Return on Equity (ROE) | 7.7921% | 3,196 |
| Retained earnings to average equity (ytd only) | 4.4555% | 3,431 |
| Net charge-offs to loans | -0.0049% | 5,632 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3611% | 4,295 |
| Assets per employee ($millions) | 5.5639% | 1,525 |
| Cash dividends to net income (ytd only)* | 42.8195% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7771% | 6,399 |
| Loan loss allowance to noncurrent loans | 151.3201% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 4,839 |
| Noncurrent loans to loans | 0.5136% | 4,984 |
| Net loans and leases to total assets | 65.7603% | 2,627 |
| Net loans and leases to deposits | 74.8129% | 3,034 |
| Net loans and leases to core deposits | 77.4087% | 3,369 |
| Total domestic deposits to total assets | 87.8997% | 2,317 |
| Equity capital to assets | 10.9742% | 2,777 |
| Core capital (leverage) ratio | 8.3543% | 5,820 |
| Tier 1 risk-based capital ratio | 11.7664% | 5,942 |
| Total risk-based capital ratio | 12.5022% | 6,189 |
| Memoranda: | ||
| Average total assets | $182,505,670 | 3,287 |
| Average earning assets | $167,637,330 | 3,290 |
| Average equity | $19,481,330 | 3,264 |
| Average total loans | $122,116,000 | 3,022 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 5,622 |
| Cost of funding earning assets | 0.3797% | 5,291 |
| Net interest margin | 3.1538% | 5,079 |
| Noninterest income to average assets | 0.4244% | 4,289 |
| Noninterest expense to average assets | 2.2973% | 5,433 |
| Loan and lease loss provision to assets | 0.1624% | 2,240 |
| Net operating income to assets | 0.8033% | 3,143 |
| Return on assets (ROA) | 0.8033% | 3,276 |
| Pretax return on assets | 0.8423% | 3,990 |
| Return on Equity (ROE) | 7.6288% | 3,146 |
| Retained earnings to average equity (ytd only) | 4.1331% | 3,740 |
| Net charge-offs to loans | -0.0064% | 5,323 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3279% | 4,249 |
| Assets per employee ($millions) | 5.8481% | 1,374 |
| Cash dividends to net income (ytd only)* | 45.8221% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7059% | 6,585 |
| Loan loss allowance to noncurrent loans | 155.4529% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 5,034 |
| Noncurrent loans to loans | 0.4541% | 5,285 |
| Net loans and leases to total assets | 63.2177% | 2,847 |
| Net loans and leases to deposits | 71.5707% | 3,242 |
| Net loans and leases to core deposits | 73.6149% | 3,627 |
| Total domestic deposits to total assets | 88.3290% | 2,110 |
| Equity capital to assets | 10.4478% | 3,605 |
| Core capital (leverage) ratio | 8.0072% | 6,136 |
| Tier 1 risk-based capital ratio | 11.2781% | 6,279 |
| Total risk-based capital ratio | 11.9363% | 6,491 |
| Memoranda: | ||
| Average total assets | $184,736,000 | 3,296 |
| Average earning assets | $168,560,000 | 3,301 |
| Average equity | $19,452,500 | 3,319 |
| Average total loans | $124,174,000 | 3,008 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 5,756 |
| Cost of funding earning assets | 0.5396% | 4,907 |
| Net interest margin | 3.2911% | 5,270 |
| Noninterest income to average assets | 0.6525% | 2,978 |
| Noninterest expense to average assets | 2.4505% | 5,251 |
| Loan and lease loss provision to assets | 0.0929% | 4,507 |
| Net operating income to assets | 1.0792% | 2,011 |
| Return on assets (ROA) | 1.0792% | 2,201 |
| Pretax return on assets | 1.1342% | 3,038 |
| Return on Equity (ROE) | 10.2408% | 2,078 |
| Retained earnings to average equity (ytd only) | 1.7368% | 4,990 |
| Net charge-offs to loans | 0.0391% | 5,371 |
| Credit loss provision to net charge-offs | 316.1290% | 769 |
| Earnings coverage of net charge-offs (x) | 41.7419% | 773 |
| Efficiency ratio | 66.0908% | 4,485 |
| Assets per employee ($millions) | 5.8817% | 1,374 |
| Cash dividends to net income (ytd only)* | 83.0404% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5913% | 6,768 |
| Loan loss allowance to noncurrent loans | 154.3434% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 5,111 |
| Noncurrent loans to loans | 0.3831% | 5,540 |
| Net loans and leases to total assets | 70.4414% | 1,752 |
| Net loans and leases to deposits | 79.9878% | 2,282 |
| Net loans and leases to core deposits | 81.8504% | 2,792 |
| Total domestic deposits to total assets | 88.0652% | 2,202 |
| Equity capital to assets | 10.6141% | 3,383 |
| Core capital (leverage) ratio | 13.5244% | 932 |
| Tier 1 risk-based capital ratio | 10.5154% | 6,548 |
| Total risk-based capital ratio | 11.0815% | 6,711 |
| Memoranda: | ||
| Average total assets | $105,446,800 | 4,693 |
| Average earning assets | $96,928,000 | 4,666 |
| Average equity | $11,112,400 | 4,738 |
| Average total loans | $79,264,800 | 4,061 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 3,964 |
| Cost of funding earning assets | 0.6630% | 4,077 |
| Net interest margin | 3.7571% | 3,516 |
| Noninterest income to average assets | 0.7778% | 2,343 |
| Noninterest expense to average assets | 2.7849% | 4,038 |
| Loan and lease loss provision to assets | 0.0897% | 4,485 |
| Net operating income to assets | 1.3298% | 1,375 |
| Return on assets (ROA) | 1.3298% | 1,510 |
| Pretax return on assets | 1.3994% | 2,238 |
| Return on Equity (ROE) | 12.6669% | 1,419 |
| Retained earnings to average equity (ytd only) | 3.1667% | 4,646 |
| Net charge-offs to loans | 0.0339% | 5,170 |
| Credit loss provision to net charge-offs | 341.1765% | 783 |
| Earnings coverage of net charge-offs (x) | 56.6374% | 688 |
| Efficiency ratio | 64.6889% | 4,682 |
| Assets per employee ($millions) | 4.7214% | 2,573 |
| Cash dividends to net income (ytd only)* | 75.0000% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 5,786 |
| Loan loss allowance to noncurrent loans | 1,135.3846% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 5,450 |
| Noncurrent loans to loans | 0.0955% | 6,377 |
| Net loans and leases to total assets | 79.2554% | 571 |
| Net loans and leases to deposits | 91.2535% | 1,030 |
| Net loans and leases to core deposits | 95.8668% | 1,423 |
| Total domestic deposits to total assets | 86.8520% | 2,768 |
| Equity capital to assets | 10.9936% | 3,288 |
| Core capital (leverage) ratio | 10.1511% | 3,345 |
| Tier 1 risk-based capital ratio | 12.5320% | 5,615 |
| Total risk-based capital ratio | 13.6006% | 5,708 |
| Memoranda: | ||
| Average total assets | $86,225,250 | 5,231 |
| Average earning assets | $80,236,750 | 5,173 |
| Average equity | $9,052,250 | 5,253 |
| Average total loans | $66,780,500 | 4,512 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4122% | 4,135 |
| Cost of funding earning assets | 0.7035% | 3,990 |
| Net interest margin | 3.7088% | 3,778 |
| Noninterest income to average assets | 0.6810% | 2,769 |
| Noninterest expense to average assets | 2.7678% | 4,142 |
| Loan and lease loss provision to assets | 0.0785% | 4,629 |
| Net operating income to assets | 1.2142% | 1,664 |
| Return on assets (ROA) | 1.2142% | 1,864 |
| Pretax return on assets | 1.2789% | 2,634 |
| Return on Equity (ROE) | 11.7472% | 1,754 |
| Retained earnings to average equity (ytd only) | 0.4690% | 5,884 |
| Net charge-offs to loans | 0.0995% | 4,172 |
| Credit loss provision to net charge-offs | 103.0303% | 2,646 |
| Earnings coverage of net charge-offs (x) | 17.8182% | 1,512 |
| Efficiency ratio | 66.4801% | 4,436 |
| Assets per employee ($millions) | 4.7961% | 2,448 |
| Cash dividends to net income (ytd only)* | 96.0076% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 6,084 |
| Loan loss allowance to noncurrent loans | 3,673.6842% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 5,708 |
| Noncurrent loans to loans | 0.0277% | 6,619 |
| Net loans and leases to total assets | 78.7073% | 653 |
| Net loans and leases to deposits | 90.0117% | 1,150 |
| Net loans and leases to core deposits | 94.4431% | 1,558 |
| Total domestic deposits to total assets | 87.4412% | 2,504 |
| Equity capital to assets | 10.4807% | 3,713 |
| Core capital (leverage) ratio | 9.8233% | 3,680 |
| Tier 1 risk-based capital ratio | 12.1215% | 5,854 |
| Total risk-based capital ratio | 13.1217% | 5,983 |
| Memoranda: | ||
| Average total assets | $86,638,330 | 5,257 |
| Average earning assets | $80,458,330 | 5,190 |
| Average equity | $8,955,330 | 5,280 |
| Average total loans | $66,342,670 | 4,550 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3575% | 4,489 |
| Cost of funding earning assets | 0.7379% | 3,964 |
| Net interest margin | 3.6196% | 4,181 |
| Noninterest income to average assets | 0.7328% | 2,480 |
| Noninterest expense to average assets | 2.7975% | 4,039 |
| Loan and lease loss provision to assets | 0.0461% | 4,826 |
| Net operating income to assets | 1.1752% | 1,812 |
| Return on assets (ROA) | 1.1752% | 1,996 |
| Pretax return on assets | 1.2351% | 2,785 |
| Return on Equity (ROE) | 11.4491% | 1,855 |
| Retained earnings to average equity (ytd only) | -6.0613% | 6,664 |
| Net charge-offs to loans | 0.1841% | 3,003 |
| Credit loss provision to net charge-offs | 33.3333% | 3,566 |
| Earnings coverage of net charge-offs (x) | 9.2667% | 1,862 |
| Efficiency ratio | 67.5706% | 4,261 |
| Assets per employee ($millions) | 4.8701% | 2,430 |
| Cash dividends to net income (ytd only)* | 152.9412% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 6,167 |
| Loan loss allowance to noncurrent loans | 914.8649% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 6,022 |
| Noncurrent loans to loans | 0.1119% | 6,478 |
| Net loans and leases to total assets | 74.6481% | 963 |
| Net loans and leases to deposits | 86.0732% | 1,409 |
| Net loans and leases to core deposits | 91.3722% | 1,713 |
| Total domestic deposits to total assets | 86.7263% | 3,103 |
| Equity capital to assets | 10.1104% | 3,983 |
| Core capital (leverage) ratio | 9.7576% | 3,698 |
| Tier 1 risk-based capital ratio | 12.2262% | 5,804 |
| Total risk-based capital ratio | 13.2234% | 5,972 |
| Memoranda: | ||
| Average total assets | $86,792,500 | 5,298 |
| Average earning assets | $80,229,000 | 5,240 |
| Average equity | $8,909,000 | 5,310 |
| Average total loans | $65,191,000 | 4,610 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 4,194 |
| Cost of funding earning assets | 0.9095% | 4,057 |
| Net interest margin | 3.8017% | 3,808 |
| Noninterest income to average assets | 0.8269% | 1,939 |
| Noninterest expense to average assets | 2.9119% | 3,908 |
| Loan and lease loss provision to assets | 0.0244% | 6,267 |
| Net operating income to assets | 1.3591% | 1,117 |
| Return on assets (ROA) | 1.3591% | 1,205 |
| Pretax return on assets | 1.4286% | 1,690 |
| Return on Equity (ROE) | 13.0557% | 1,150 |
| Retained earnings to average equity (ytd only) | 6.1535% | 1,925 |
| Net charge-offs to loans | 0.1740% | 4,755 |
| Credit loss provision to net charge-offs | 18.0180% | 5,941 |
| Earnings coverage of net charge-offs (x) | 10.7477% | 1,801 |
| Efficiency ratio | 65.2065% | 4,920 |
| Assets per employee ($millions) | 4.7735% | 2,485 |
| Cash dividends to net income (ytd only)* | 52.8674% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 5,874 |
| Loan loss allowance to noncurrent loans | 1,394.0000% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 5,923 |
| Noncurrent loans to loans | 0.0778% | 6,620 |
| Net loans and leases to total assets | 73.9848% | 1,279 |
| Net loans and leases to deposits | 85.7212% | 1,700 |
| Net loans and leases to core deposits | 92.2802% | 1,861 |
| Total domestic deposits to total assets | 86.3087% | 3,138 |
| Equity capital to assets | 10.4221% | 3,619 |
| Core capital (leverage) ratio | 9.9906% | 3,348 |
| Tier 1 risk-based capital ratio | 12.6951% | 5,310 |
| Total risk-based capital ratio | 13.7451% | 5,437 |
| Memoranda: | ||
| Average total assets | $82,111,200 | 5,401 |
| Average earning assets | $76,413,600 | 5,330 |
| Average equity | $8,548,000 | 5,388 |
| Average total loans | $63,790,200 | 4,720 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7606% | 4,186 |
| Cost of funding earning assets | 0.9380% | 4,131 |
| Net interest margin | 3.8226% | 3,754 |
| Noninterest income to average assets | 0.8608% | 1,799 |
| Noninterest expense to average assets | 2.9670% | 3,680 |
| Loan and lease loss provision to assets | 0.0230% | 6,159 |
| Net operating income to assets | 1.3668% | 1,224 |
| Return on assets (ROA) | 1.3668% | 1,310 |
| Pretax return on assets | 1.4391% | 1,819 |
| Return on Equity (ROE) | 13.1338% | 1,246 |
| Retained earnings to average equity (ytd only) | 3.8202% | 4,005 |
| Net charge-offs to loans | -0.0084% | 6,760 |
| Credit loss provision to net charge-offs | -350.0000% | 6,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4674% | 4,811 |
| Assets per employee ($millions) | 4.4889% | 2,938 |
| Cash dividends to net income (ytd only)* | 70.9135% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 5,209 |
| Loan loss allowance to noncurrent loans | 426.4550% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 6,274 |
| Noncurrent loans to loans | 0.2946% | 6,258 |
| Net loans and leases to total assets | 78.3951% | 670 |
| Net loans and leases to deposits | 91.3554% | 1,066 |
| Net loans and leases to core deposits | 99.3226% | 1,309 |
| Total domestic deposits to total assets | 85.8133% | 3,319 |
| Equity capital to assets | 10.7115% | 3,460 |
| Core capital (leverage) ratio | 9.8589% | 3,639 |
| Tier 1 risk-based capital ratio | 12.2086% | 5,736 |
| Total risk-based capital ratio | 13.4191% | 5,756 |
| Memoranda: | ||
| Average total assets | $81,158,250 | 5,471 |
| Average earning assets | $75,758,250 | 5,391 |
| Average equity | $8,446,250 | 5,454 |
| Average total loans | $63,671,000 | 4,770 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 4,464 |
| Cost of funding earning assets | 0.9381% | 4,402 |
| Net interest margin | 3.7787% | 3,895 |
| Noninterest income to average assets | 0.7776% | 2,121 |
| Noninterest expense to average assets | 3.0070% | 3,617 |
| Loan and lease loss provision to assets | 0.0197% | 6,043 |
| Net operating income to assets | 1.2156% | 1,526 |
| Return on assets (ROA) | 1.2156% | 1,608 |
| Pretax return on assets | 1.2796% | 2,207 |
| Return on Equity (ROE) | 11.7947% | 1,557 |
| Retained earnings to average equity (ytd only) | 0.0955% | 5,798 |
| Net charge-offs to loans | -0.0094% | 6,676 |
| Credit loss provision to net charge-offs | -266.6667% | 6,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2857% | 4,467 |
| Assets per employee ($millions) | 4.3736% | 3,038 |
| Cash dividends to net income (ytd only)* | 99.1903% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 5,157 |
| Loan loss allowance to noncurrent loans | 1,011.3924% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 6,657 |
| Noncurrent loans to loans | 0.1264% | 6,663 |
| Net loans and leases to total assets | 74.2319% | 1,368 |
| Net loans and leases to deposits | 85.8515% | 1,812 |
| Net loans and leases to core deposits | 93.7534% | 1,926 |
| Total domestic deposits to total assets | 86.4655% | 3,063 |
| Equity capital to assets | 10.1806% | 3,900 |
| Core capital (leverage) ratio | 9.7107% | 3,649 |
| Tier 1 risk-based capital ratio | 12.3646% | 5,461 |
| Total risk-based capital ratio | 13.6140% | 5,443 |
| Memoranda: | ||
| Average total assets | $81,277,330 | 5,511 |
| Average earning assets | $75,899,000 | 5,435 |
| Average equity | $8,376,670 | 5,495 |
| Average total loans | $63,511,330 | 4,813 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 4,028 |
| Cost of funding earning assets | 0.9356% | 4,682 |
| Net interest margin | 3.8708% | 3,295 |
| Noninterest income to average assets | 0.7516% | 2,250 |
| Noninterest expense to average assets | 3.0162% | 3,575 |
| Loan and lease loss provision to assets | 0.0100% | 5,777 |
| Net operating income to assets | 1.2642% | 1,357 |
| Return on assets (ROA) | 1.2642% | 1,412 |
| Pretax return on assets | 1.3289% | 1,945 |
| Return on Equity (ROE) | 12.1896% | 1,410 |
| Retained earnings to average equity (ytd only) | -6.0468% | 6,600 |
| Net charge-offs to loans | -0.0125% | 6,432 |
| Credit loss provision to net charge-offs | -100.0000% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6571% | 4,727 |
| Assets per employee ($millions) | 4.2160% | 3,431 |
| Cash dividends to net income (ytd only)* | 149.6063% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 5,280 |
| Loan loss allowance to noncurrent loans | 1,760.0000% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 6,807 |
| Noncurrent loans to loans | 0.0723% | 6,858 |
| Net loans and leases to total assets | 76.6965% | 925 |
| Net loans and leases to deposits | 88.9167% | 1,361 |
| Net loans and leases to core deposits | 97.3059% | 1,577 |
| Total domestic deposits to total assets | 86.2566% | 3,357 |
| Equity capital to assets | 10.3153% | 3,396 |
| Core capital (leverage) ratio | 9.7873% | 3,404 |
| Tier 1 risk-based capital ratio | 12.2749% | 5,459 |
| Total risk-based capital ratio | 13.5254% | 5,455 |
| Memoranda: | ||
| Average total assets | $80,366,500 | 5,584 |
| Average earning assets | $74,817,000 | 5,517 |
| Average equity | $8,335,000 | 5,507 |
| Average total loans | $64,024,500 | 4,839 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1749% | 3,728 |
| Cost of funding earning assets | 1.2686% | 4,086 |
| Net interest margin | 3.9063% | 3,457 |
| Noninterest income to average assets | 0.8673% | 1,987 |
| Noninterest expense to average assets | 2.8595% | 4,377 |
| Loan and lease loss provision to assets | 0.3312% | 4,169 |
| Net operating income to assets | 1.2476% | 1,301 |
| Return on assets (ROA) | 1.2476% | 1,371 |
| Pretax return on assets | 1.3065% | 1,912 |
| Return on Equity (ROE) | 12.6455% | 1,179 |
| Retained earnings to average equity (ytd only) | 5.5580% | 2,084 |
| Net charge-offs to loans | 0.4303% | 3,895 |
| Credit loss provision to net charge-offs | 96.0854% | 4,833 |
| Earnings coverage of net charge-offs (x) | 4.7509% | 2,816 |
| Efficiency ratio | 62.1113% | 5,711 |
| Assets per employee ($millions) | 4.4794% | 2,908 |
| Cash dividends to net income (ytd only)* | 56.0472% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 5,528 |
| Loan loss allowance to noncurrent loans | 39,400.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 7,009 |
| Noncurrent loans to loans | 0.0030% | 7,166 |
| Net loans and leases to total assets | 80.6558% | 580 |
| Net loans and leases to deposits | 95.0677% | 946 |
| Net loans and leases to core deposits | 101.8799% | 1,467 |
| Total domestic deposits to total assets | 84.8404% | 3,932 |
| Equity capital to assets | 10.4268% | 3,238 |
| Core capital (leverage) ratio | 10.0733% | 3,003 |
| Tier 1 risk-based capital ratio | 11.9600% | 5,512 |
| Total risk-based capital ratio | 13.1612% | 5,539 |
| Memoranda: | ||
| Average total assets | $81,518,400 | 5,550 |
| Average earning assets | $75,750,000 | 5,489 |
| Average equity | $8,042,400 | 5,702 |
| Average total loans | $65,310,600 | 4,853 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2327% | 3,669 |
| Cost of funding earning assets | 1.3551% | 3,865 |
| Net interest margin | 3.8776% | 3,627 |
| Noninterest income to average assets | 0.8563% | 1,974 |
| Noninterest expense to average assets | 2.8088% | 4,450 |
| Loan and lease loss provision to assets | 0.4404% | 3,274 |
| Net operating income to assets | 1.1516% | 1,728 |
| Return on assets (ROA) | 1.1516% | 1,831 |
| Pretax return on assets | 1.2103% | 2,452 |
| Return on Equity (ROE) | 11.8385% | 1,548 |
| Retained earnings to average equity (ytd only) | 2.2805% | 4,803 |
| Net charge-offs to loans | 0.5727% | 3,031 |
| Credit loss provision to net charge-offs | 96.4286% | 4,495 |
| Earnings coverage of net charge-offs (x) | 3.6143% | 3,371 |
| Efficiency ratio | 61.4850% | 5,708 |
| Assets per employee ($millions) | 4.1813% | 3,482 |
| Cash dividends to net income (ytd only)* | 80.7364% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 5,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 7,045 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 82.3236% | 457 |
| Net loans and leases to deposits | 95.2732% | 1,072 |
| Net loans and leases to core deposits | 102.4505% | 1,607 |
| Total domestic deposits to total assets | 86.4078% | 2,850 |
| Equity capital to assets | 10.8697% | 3,089 |
| Core capital (leverage) ratio | 9.7191% | 3,594 |
| Tier 1 risk-based capital ratio | 12.1313% | 5,333 |
| Total risk-based capital ratio | 13.3812% | 5,297 |
| Memoranda: | ||
| Average total assets | $81,740,750 | 5,611 |
| Average earning assets | $75,956,250 | 5,547 |
| Average equity | $7,951,250 | 5,805 |
| Average total loans | $65,183,250 | 4,934 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 4,400 |
| Cost of funding earning assets | 1.3711% | 4,053 |
| Net interest margin | 3.7391% | 4,187 |
| Noninterest income to average assets | 0.7652% | 2,300 |
| Noninterest expense to average assets | 2.7223% | 4,825 |
| Loan and lease loss provision to assets | 0.4291% | 3,177 |
| Net operating income to assets | 1.0370% | 2,058 |
| Return on assets (ROA) | 1.0370% | 2,136 |
| Pretax return on assets | 1.0918% | 2,806 |
| Return on Equity (ROE) | 11.0481% | 1,740 |
| Retained earnings to average equity (ytd only) | -0.6349% | 5,886 |
| Net charge-offs to loans | 0.3546% | 3,579 |
| Credit loss provision to net charge-offs | 153.8462% | 2,553 |
| Earnings coverage of net charge-offs (x) | 5.4530% | 2,663 |
| Efficiency ratio | 62.6404% | 5,583 |
| Assets per employee ($millions) | 4.4400% | 2,984 |
| Cash dividends to net income (ytd only)* | 105.7471% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 4,973 |
| Loan loss allowance to noncurrent loans | 247.7011% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 6,089 |
| Noncurrent loans to loans | 0.5219% | 6,215 |
| Net loans and leases to total assets | 82.3473% | 501 |
| Net loans and leases to deposits | 98.3605% | 839 |
| Net loans and leases to core deposits | 105.2419% | 1,517 |
| Total domestic deposits to total assets | 83.7200% | 4,236 |
| Equity capital to assets | 9.9562% | 4,069 |
| Core capital (leverage) ratio | 9.1236% | 4,421 |
| Tier 1 risk-based capital ratio | 11.1322% | 6,114 |
| Total risk-based capital ratio | 12.3822% | 6,098 |
| Memoranda: | ||
| Average total assets | $83,899,670 | 5,565 |
| Average earning assets | $78,041,000 | 5,505 |
| Average equity | $7,874,670 | 5,847 |
| Average total loans | $65,994,670 | 4,940 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 5,254 |
| Cost of funding earning assets | 1.4016% | 4,165 |
| Net interest margin | 3.5439% | 4,976 |
| Noninterest income to average assets | 0.7545% | 2,273 |
| Noninterest expense to average assets | 2.6266% | 5,241 |
| Loan and lease loss provision to assets | 0.4191% | 2,857 |
| Net operating income to assets | 0.9547% | 2,344 |
| Return on assets (ROA) | 0.9547% | 2,411 |
| Pretax return on assets | 1.0059% | 3,074 |
| Return on Equity (ROE) | 10.4679% | 1,960 |
| Retained earnings to average equity (ytd only) | -7.9147% | 6,822 |
| Net charge-offs to loans | 0.7128% | 2,072 |
| Credit loss provision to net charge-offs | 76.9231% | 3,954 |
| Earnings coverage of net charge-offs (x) | 2.6154% | 3,230 |
| Efficiency ratio | 63.2184% | 5,623 |
| Assets per employee ($millions) | 4.4925% | 2,969 |
| Cash dividends to net income (ytd only)* | 175.6098% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 5,570 |
| Loan loss allowance to noncurrent loans | 190.1478% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 5,766 |
| Noncurrent loans to loans | 0.6237% | 6,065 |
| Net loans and leases to total assets | 79.5387% | 899 |
| Net loans and leases to deposits | 94.5325% | 1,287 |
| Net loans and leases to core deposits | 101.4175% | 1,979 |
| Total domestic deposits to total assets | 84.1390% | 4,083 |
| Equity capital to assets | 9.5950% | 4,382 |
| Core capital (leverage) ratio | 8.3398% | 5,666 |
| Tier 1 risk-based capital ratio | 11.1288% | 6,026 |
| Total risk-based capital ratio | 12.3214% | 6,062 |
| Memoranda: | ||
| Average total assets | $85,889,500 | 5,574 |
| Average earning assets | $79,911,000 | 5,508 |
| Average equity | $7,833,500 | 5,900 |
| Average total loans | $65,655,000 | 5,012 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 4,806 |
| Cost of funding earning assets | 1.6727% | 4,655 |
| Net interest margin | 3.7035% | 4,130 |
| Noninterest income to average assets | 0.7905% | 2,453 |
| Noninterest expense to average assets | 2.8791% | 4,613 |
| Loan and lease loss provision to assets | 0.4210% | 4,303 |
| Net operating income to assets | 0.9165% | 2,121 |
| Return on assets (ROA) | 1.0700% | 1,643 |
| Pretax return on assets | 1.0934% | 2,277 |
| Return on Equity (ROE) | 11.8902% | 1,191 |
| Retained earnings to average equity (ytd only) | 6.6923% | 1,074 |
| Net charge-offs to loans | 0.3277% | 4,596 |
| Credit loss provision to net charge-offs | 166.6667% | 2,597 |
| Earnings coverage of net charge-offs (x) | 5.3750% | 2,619 |
| Efficiency ratio | 66.6023% | 5,272 |
| Assets per employee ($millions) | 5.0508% | 2,155 |
| Cash dividends to net income (ytd only)* | 43.7158% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,316 |
| Loan loss allowance to noncurrent loans | 214.2091% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 6,010 |
| Noncurrent loans to loans | 0.5633% | 6,119 |
| Net loans and leases to total assets | 71.9581% | 2,759 |
| Net loans and leases to deposits | 89.4473% | 2,313 |
| Net loans and leases to core deposits | 118.6779% | 2,065 |
| Total domestic deposits to total assets | 80.4475% | 5,538 |
| Equity capital to assets | 8.6983% | 5,585 |
| Core capital (leverage) ratio | 8.2398% | 5,750 |
| Tier 1 risk-based capital ratio | 10.8051% | 6,109 |
| Total risk-based capital ratio | 11.9805% | 6,154 |
| Memoranda: | ||
| Average total assets | $85,512,200 | 5,542 |
| Average earning assets | $79,574,000 | 5,472 |
| Average equity | $7,695,400 | 6,022 |
| Average total loans | $65,912,000 | 5,022 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4992% | 4,425 |
| Cost of funding earning assets | 1.7532% | 4,622 |
| Net interest margin | 3.7461% | 3,882 |
| Noninterest income to average assets | 0.7984% | 2,438 |
| Noninterest expense to average assets | 2.9102% | 4,415 |
| Loan and lease loss provision to assets | 0.4277% | 3,763 |
| Net operating income to assets | 0.9131% | 2,376 |
| Return on assets (ROA) | 1.0804% | 1,846 |
| Pretax return on assets | 1.1248% | 2,490 |
| Return on Equity (ROE) | 11.8985% | 1,382 |
| Retained earnings to average equity (ytd only) | 4.9199% | 2,539 |
| Net charge-offs to loans | 0.4253% | 3,555 |
| Credit loss provision to net charge-offs | 128.5714% | 3,898 |
| Earnings coverage of net charge-offs (x) | 4.1429% | 3,243 |
| Efficiency ratio | 66.5312% | 5,282 |
| Assets per employee ($millions) | 4.7875% | 2,415 |
| Cash dividends to net income (ytd only)* | 58.6511% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 5,904 |
| Loan loss allowance to noncurrent loans | 191.1765% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 6,123 |
| Noncurrent loans to loans | 0.5594% | 6,195 |
| Net loans and leases to total assets | 76.7578% | 1,835 |
| Net loans and leases to deposits | 96.5677% | 1,503 |
| Net loans and leases to core deposits | 124.0106% | 1,897 |
| Total domestic deposits to total assets | 79.4859% | 5,630 |
| Equity capital to assets | 8.9817% | 5,508 |
| Core capital (leverage) ratio | 8.6039% | 5,298 |
| Tier 1 risk-based capital ratio | 10.3035% | 6,680 |
| Total risk-based capital ratio | 11.3414% | 6,835 |
| Memoranda: | ||
| Average total assets | $84,161,750 | 5,617 |
| Average earning assets | $78,409,000 | 5,545 |
| Average equity | $7,642,250 | 6,098 |
| Average total loans | $65,835,250 | 5,071 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5838% | 4,153 |
| Cost of funding earning assets | 1.8835% | 4,354 |
| Net interest margin | 3.7003% | 3,948 |
| Noninterest income to average assets | 0.7570% | 2,663 |
| Noninterest expense to average assets | 2.9800% | 4,159 |
| Loan and lease loss provision to assets | 0.1437% | 5,633 |
| Net operating income to assets | 1.0396% | 1,974 |
| Return on assets (ROA) | 1.0396% | 2,052 |
| Pretax return on assets | 1.0828% | 2,696 |
| Return on Equity (ROE) | 11.4065% | 1,587 |
| Retained earnings to average equity (ytd only) | 3.5218% | 3,348 |
| Net charge-offs to loans | 0.1038% | 5,123 |
| Credit loss provision to net charge-offs | 176.4706% | 2,594 |
| Earnings coverage of net charge-offs (x) | 15.0588% | 1,616 |
| Efficiency ratio | 69.5330% | 4,871 |
| Assets per employee ($millions) | 4.5436% | 2,708 |
| Cash dividends to net income (ytd only)* | 69.1244% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 5,972 |
| Loan loss allowance to noncurrent loans | 147.4026% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 5,733 |
| Noncurrent loans to loans | 0.7050% | 5,835 |
| Net loans and leases to total assets | 79.3004% | 1,458 |
| Net loans and leases to deposits | 101.2679% | 1,145 |
| Net loans and leases to core deposits | 127.8258% | 1,722 |
| Total domestic deposits to total assets | 78.3075% | 5,993 |
| Equity capital to assets | 9.3221% | 4,839 |
| Core capital (leverage) ratio | 8.7667% | 4,982 |
| Tier 1 risk-based capital ratio | 10.5775% | 6,314 |
| Total risk-based capital ratio | 11.5957% | 6,476 |
| Memoranda: | ||
| Average total assets | $83,490,670 | 5,683 |
| Average earning assets | $77,832,000 | 5,603 |
| Average equity | $7,609,670 | 6,143 |
| Average total loans | $65,493,330 | 5,125 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5905% | 4,416 |
| Cost of funding earning assets | 2.0755% | 3,765 |
| Net interest margin | 3.5151% | 4,668 |
| Noninterest income to average assets | 0.8394% | 2,128 |
| Noninterest expense to average assets | 2.7601% | 4,737 |
| Loan and lease loss provision to assets | 0.1328% | 5,261 |
| Net operating income to assets | 1.1761% | 1,723 |
| Return on assets (ROA) | 1.1761% | 1,832 |
| Pretax return on assets | 1.2236% | 2,539 |
| Return on Equity (ROE) | 13.0483% | 1,377 |
| Retained earnings to average equity (ytd only) | 2.5255% | 4,471 |
| Net charge-offs to loans | 0.1405% | 3,836 |
| Credit loss provision to net charge-offs | 121.7391% | 3,236 |
| Earnings coverage of net charge-offs (x) | 12.4348% | 1,804 |
| Efficiency ratio | 65.7834% | 5,368 |
| Assets per employee ($millions) | 4.5829% | 2,588 |
| Cash dividends to net income (ytd only)* | 80.6452% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 5,964 |
| Loan loss allowance to noncurrent loans | 308.4112% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 6,297 |
| Noncurrent loans to loans | 0.3332% | 6,595 |
| Net loans and leases to total assets | 77.0490% | 2,030 |
| Net loans and leases to deposits | 88.9797% | 3,109 |
| Net loans and leases to core deposits | 116.0426% | 2,801 |
| Total domestic deposits to total assets | 86.5916% | 2,408 |
| Equity capital to assets | 9.2068% | 5,080 |
| Core capital (leverage) ratio | 8.2044% | 6,093 |
| Tier 1 risk-based capital ratio | 10.6124% | 6,280 |
| Total risk-based capital ratio | 11.6162% | 6,442 |
| Memoranda: | ||
| Average total assets | $84,344,000 | 5,662 |
| Average earning assets | $78,633,000 | 5,597 |
| Average equity | $7,602,500 | 6,186 |
| Average total loans | $65,472,000 | 5,152 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1779% | 4,627 |
| Cost of funding earning assets | 2.4965% | 4,224 |
| Net interest margin | 3.6814% | 4,543 |
| Noninterest income to average assets | 0.9168% | 1,899 |
| Noninterest expense to average assets | 2.9463% | 4,275 |
| Loan and lease loss provision to assets | 0.0875% | 6,285 |
| Net operating income to assets | 1.2184% | 1,714 |
| Return on assets (ROA) | 1.2184% | 1,663 |
| Pretax return on assets | 1.2792% | 2,380 |
| Return on Equity (ROE) | 14.1302% | 1,077 |
| Retained earnings to average equity (ytd only) | 8.5599% | 693 |
| Net charge-offs to loans | 0.0450% | 6,144 |
| Credit loss provision to net charge-offs | 240.0000% | 1,952 |
| Earnings coverage of net charge-offs (x) | 37.4667% | 989 |
| Efficiency ratio | 67.0426% | 4,902 |
| Assets per employee ($millions) | 4.7886% | 2,194 |
| Cash dividends to net income (ytd only)* | 39.4212% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 6,202 |
| Loan loss allowance to noncurrent loans | 7,277.7778% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 7,310 |
| Noncurrent loans to loans | 0.0135% | 7,485 |
| Net loans and leases to total assets | 76.6506% | 2,460 |
| Net loans and leases to deposits | 91.5908% | 3,203 |
| Net loans and leases to core deposits | 121.9683% | 2,511 |
| Total domestic deposits to total assets | 83.6881% | 3,484 |
| Equity capital to assets | 8.8288% | 5,607 |
| Core capital (leverage) ratio | 8.2392% | 6,077 |
| Tier 1 risk-based capital ratio | 10.0800% | 6,648 |
| Total risk-based capital ratio | 11.0344% | 6,863 |
| Memoranda: | ||
| Average total assets | $82,238,800 | 5,622 |
| Average earning assets | $75,867,400 | 5,594 |
| Average equity | $7,091,200 | 6,427 |
| Average total loans | $66,592,800 | 4,996 |