Home > Oklahoma State Bank > Performance and Condition Ratios
Oklahoma State Bank, Performance and Condition Ratios
| 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 | 3.8802% | 1,814 |
| Cost of funding earning assets | 0.4251% | 1,521 |
| Net interest margin | 3.4552% | 1,994 |
| Noninterest income to average assets | 0.2474% | 3,913 |
| Noninterest expense to average assets | 2.8374% | 1,254 |
| Loan and lease loss provision to assets | -0.2846% | 4,824 |
| Net operating income to assets | 0.9194% | 3,181 |
| Return on assets (ROA) | 0.9194% | 3,252 |
| Pretax return on assets | 0.9194% | 3,652 |
| Return on Equity (ROE) | 9.5379% | 2,911 |
| Retained earnings to average equity (ytd only) | -37.5664% | 4,899 |
| Net charge-offs to loans | -0.0092% | 3,644 |
| Credit loss provision to net charge-offs | 5,100.0000% | 160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5578% | 996 |
| Assets per employee ($millions) | 5.6380% | 3,056 |
| Cash dividends to net income (ytd only)* | 493.8638% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8157% | 899 |
| Loan loss allowance to noncurrent loans | 4,380.7692% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 1,546 |
| Noncurrent loans to loans | 0.0414% | 3,912 |
| Net loans and leases to total assets | 60.6907% | 2,173 |
| Net loans and leases to deposits | 67.0506% | 2,536 |
| Net loans and leases to core deposits | 75.9164% | 2,055 |
| Total domestic deposits to total assets | 90.5147% | 555 |
| Equity capital to assets | 8.0274% | 4,508 |
| Core capital (leverage) ratio | 6.6902% | 4,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2825% | 2,909 |
| Memoranda: | ||
| Average total assets | $215,072,500 | 2,980 |
| Average earning assets | $200,738,250 | 2,983 |
| Average equity | $20,730,750 | 3,192 |
| Average total loans | $130,034,000 | 2,891 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 1,953 |
| Cost of funding earning assets | 0.4559% | 1,477 |
| Net interest margin | 3.3906% | 2,169 |
| Noninterest income to average assets | 0.4783% | 2,720 |
| Noninterest expense to average assets | 2.6526% | 1,716 |
| Loan and lease loss provision to assets | 0.0411% | 2,186 |
| Net operating income to assets | 0.9411% | 3,087 |
| Return on assets (ROA) | 0.9411% | 3,169 |
| Pretax return on assets | 0.9411% | 3,567 |
| Return on Equity (ROE) | 9.2841% | 3,017 |
| Retained earnings to average equity (ytd only) | 3.1247% | 3,806 |
| Net charge-offs to loans | -0.0137% | 3,809 |
| Credit loss provision to net charge-offs | -500.0000% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5540% | 1,932 |
| Assets per employee ($millions) | 5.5534% | 3,064 |
| Cash dividends to net income (ytd only)* | 66.3434% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1642% | 457 |
| Loan loss allowance to noncurrent loans | 1,331.1005% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 1,227 |
| Noncurrent loans to loans | 0.1626% | 3,399 |
| Net loans and leases to total assets | 58.0683% | 2,659 |
| Net loans and leases to deposits | 66.1161% | 2,811 |
| Net loans and leases to core deposits | 75.9828% | 2,238 |
| Total domestic deposits to total assets | 87.8278% | 1,925 |
| Equity capital to assets | 10.3448% | 2,546 |
| Core capital (leverage) ratio | 9.2480% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5704% | 1,451 |
| Memoranda: | ||
| Average total assets | $219,107,667 | 2,949 |
| Average earning assets | $203,973,667 | 2,950 |
| Average equity | $22,210,000 | 3,070 |
| Average total loans | $131,558,667 | 2,882 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 1,755 |
| Cost of funding earning assets | 0.5050% | 1,361 |
| Net interest margin | 3.4256% | 2,041 |
| Noninterest income to average assets | 0.4556% | 2,807 |
| Noninterest expense to average assets | 2.5684% | 1,963 |
| Loan and lease loss provision to assets | 0.0817% | 1,584 |
| Net operating income to assets | 0.9820% | 2,865 |
| Return on assets (ROA) | 0.9820% | 2,958 |
| Pretax return on assets | 0.9820% | 3,424 |
| Return on Equity (ROE) | 9.7863% | 2,759 |
| Retained earnings to average equity (ytd only) | 3.4912% | 3,635 |
| Net charge-offs to loans | -0.0150% | 3,857 |
| Credit loss provision to net charge-offs | -900.0000% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5182% | 2,528 |
| Assets per employee ($millions) | 5.2144% | 3,415 |
| Cash dividends to net income (ytd only)* | 64.3253% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1252% | 478 |
| Loan loss allowance to noncurrent loans | 1,292.0930% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 1,405 |
| Noncurrent loans to loans | 0.1645% | 3,518 |
| Net loans and leases to total assets | 58.4183% | 2,754 |
| Net loans and leases to deposits | 66.3041% | 2,888 |
| Net loans and leases to core deposits | 77.1274% | 2,256 |
| Total domestic deposits to total assets | 88.1067% | 1,787 |
| Equity capital to assets | 10.0468% | 2,666 |
| Core capital (leverage) ratio | 9.2215% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7652% | 1,650 |
| Memoranda: | ||
| Average total assets | $220,370,000 | 2,925 |
| Average earning assets | $204,342,500 | 2,935 |
| Average equity | $22,112,500 | 3,069 |
| Average total loans | $133,064,000 | 2,866 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7861% | 755 |
| Cost of funding earning assets | 0.9065% | 837 |
| Net interest margin | 3.8796% | 1,277 |
| Noninterest income to average assets | 0.5234% | 2,531 |
| Noninterest expense to average assets | 2.6187% | 2,487 |
| Loan and lease loss provision to assets | 0.2755% | 1,396 |
| Net operating income to assets | 1.2127% | 1,510 |
| Return on assets (ROA) | 1.2300% | 1,555 |
| Pretax return on assets | 1.2300% | 2,223 |
| Return on Equity (ROE) | 10.2250% | 1,921 |
| Retained earnings to average equity (ytd only) | 4.5893% | 2,485 |
| Net charge-offs to loans | -0.0405% | 4,623 |
| Credit loss provision to net charge-offs | -962.2642% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7643% | 2,858 |
| Assets per employee ($millions) | 5.9928% | 2,340 |
| Cash dividends to net income (ytd only)* | 55.1164% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0153% | 569 |
| Loan loss allowance to noncurrent loans | 1,223.7668% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 1,554 |
| Noncurrent loans to loans | 0.1647% | 3,619 |
| Net loans and leases to total assets | 59.8381% | 2,886 |
| Net loans and leases to deposits | 68.0602% | 3,069 |
| Net loans and leases to core deposits | 78.8816% | 2,468 |
| Total domestic deposits to total assets | 87.9194% | 1,518 |
| Equity capital to assets | 10.0219% | 3,118 |
| Core capital (leverage) ratio | 8.9632% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1822% | 1,785 |
| Memoranda: | ||
| Average total assets | $185,127,400 | 3,062 |
| Average earning assets | $170,996,000 | 3,062 |
| Average equity | $22,269,000 | 2,989 |
| Average total loans | $130,858,800 | 2,856 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0662% | 537 |
| Cost of funding earning assets | 0.9767% | 827 |
| Net interest margin | 4.0895% | 914 |
| Noninterest income to average assets | 0.5334% | 2,458 |
| Noninterest expense to average assets | 2.6927% | 2,285 |
| Loan and lease loss provision to assets | 0.3523% | 1,076 |
| Net operating income to assets | 1.2698% | 1,423 |
| Return on assets (ROA) | 1.2941% | 1,468 |
| Pretax return on assets | 1.2941% | 2,079 |
| Return on Equity (ROE) | 10.2208% | 1,948 |
| Retained earnings to average equity (ytd only) | 4.6556% | 2,718 |
| Net charge-offs to loans | -0.0514% | 4,682 |
| Credit loss provision to net charge-offs | -930.0000% | 3,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4056% | 3,008 |
| Assets per employee ($millions) | 5.2007% | 3,021 |
| Cash dividends to net income (ytd only)* | 54.4496% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 451 |
| Loan loss allowance to noncurrent loans | 1,176.3158% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.7321% | 1,594 |
| Noncurrent loans to loans | 0.1748% | 3,682 |
| Net loans and leases to total assets | 59.9291% | 3,238 |
| Net loans and leases to deposits | 70.4143% | 3,276 |
| Net loans and leases to core deposits | 83.5365% | 2,522 |
| Total domestic deposits to total assets | 85.1093% | 2,391 |
| Equity capital to assets | 12.1603% | 1,596 |
| Core capital (leverage) ratio | 13.9930% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0173% | 676 |
| Memoranda: | ||
| Average total assets | $175,975,500 | 3,127 |
| Average earning assets | $162,722,000 | 3,128 |
| Average equity | $22,280,750 | 2,986 |
| Average total loans | $129,720,750 | 2,873 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5185% | 329 |
| Cost of funding earning assets | 1.0779% | 769 |
| Net interest margin | 4.4406% | 566 |
| Noninterest income to average assets | 0.5197% | 2,494 |
| Noninterest expense to average assets | 3.0766% | 1,414 |
| Loan and lease loss provision to assets | 0.1101% | 2,912 |
| Net operating income to assets | 1.4185% | 1,073 |
| Return on assets (ROA) | 1.4576% | 1,092 |
| Pretax return on assets | 1.4576% | 1,565 |
| Return on Equity (ROE) | 11.3175% | 1,537 |
| Retained earnings to average equity (ytd only) | 6.1430% | 2,012 |
| Net charge-offs to loans | -0.0741% | 4,784 |
| Credit loss provision to net charge-offs | -187.5000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8083% | 2,403 |
| Assets per employee ($millions) | 4.9341% | 3,258 |
| Cash dividends to net income (ytd only)* | 45.7215% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7687% | 707 |
| Loan loss allowance to noncurrent loans | 940.4082% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.8884% | 1,380 |
| Noncurrent loans to loans | 0.1881% | 3,707 |
| Net loans and leases to total assets | 72.0404% | 1,699 |
| Net loans and leases to deposits | 87.9937% | 1,557 |
| Net loans and leases to core deposits | 112.5126% | 646 |
| Total domestic deposits to total assets | 81.8700% | 3,403 |
| Equity capital to assets | 14.4679% | 740 |
| Core capital (leverage) ratio | 15.0916% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8577% | 594 |
| Memoranda: | ||
| Average total assets | $163,558,333 | 3,213 |
| Average earning assets | $150,474,667 | 3,215 |
| Average equity | $21,064,667 | 3,076 |
| Average total loans | $129,472,000 | 2,869 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8017% | 218 |
| Cost of funding earning assets | 1.1959% | 782 |
| Net interest margin | 4.6058% | 407 |
| Noninterest income to average assets | 0.5903% | 2,080 |
| Noninterest expense to average assets | 3.3247% | 1,178 |
| Loan and lease loss provision to assets | 0.1150% | 2,245 |
| Net operating income to assets | 1.3825% | 1,032 |
| Return on assets (ROA) | 1.3825% | 1,108 |
| Pretax return on assets | 1.3825% | 1,619 |
| Return on Equity (ROE) | 11.5429% | 1,246 |
| Retained earnings to average equity (ytd only) | 5.6754% | 1,998 |
| Net charge-offs to loans | -0.0992% | 4,812 |
| Credit loss provision to net charge-offs | -140.6250% | 3,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9454% | 2,513 |
| Assets per employee ($millions) | 4.2782% | 3,556 |
| Cash dividends to net income (ytd only)* | 50.8318% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7209% | 841 |
| Loan loss allowance to noncurrent loans | 14,960.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 1,574 |
| Noncurrent loans to loans | 0.0115% | 4,528 |
| Net loans and leases to total assets | 80.9600% | 569 |
| Net loans and leases to deposits | 96.4303% | 868 |
| Net loans and leases to core deposits | 127.6650% | 305 |
| Total domestic deposits to total assets | 83.9570% | 2,802 |
| Equity capital to assets | 11.8925% | 2,146 |
| Core capital (leverage) ratio | 11.8630% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6600% | 1,200 |
| Memoranda: | ||
| Average total assets | $156,523,500 | 3,249 |
| Average earning assets | $143,819,500 | 3,256 |
| Average equity | $18,747,500 | 3,294 |
| Average total loans | $129,074,000 | 2,848 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9494% | 247 |
| Cost of funding earning assets | 1.2500% | 888 |
| Net interest margin | 4.6994% | 472 |
| Noninterest income to average assets | 0.6700% | 1,921 |
| Noninterest expense to average assets | 3.2253% | 1,461 |
| Loan and lease loss provision to assets | 0.1177% | 1,795 |
| Net operating income to assets | 1.5957% | 846 |
| Return on assets (ROA) | 1.5957% | 898 |
| Pretax return on assets | 1.5957% | 1,495 |
| Return on Equity (ROE) | 13.5399% | 998 |
| Retained earnings to average equity (ytd only) | 6.4122% | 1,657 |
| Net charge-offs to loans | 0.2608% | 792 |
| Credit loss provision to net charge-offs | 54.5455% | 3,087 |
| Earnings coverage of net charge-offs (x) | 7.9424% | 2,823 |
| Efficiency ratio | 65.3077% | 2,874 |
| Assets per employee ($millions) | 3.7745% | 4,181 |
| Cash dividends to net income (ytd only)* | 52.6424% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8614% | 1,488 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 81.1501% | 654 |
| Net loans and leases to deposits | 97.0802% | 833 |
| Net loans and leases to core deposits | 125.7767% | 350 |
| Total domestic deposits to total assets | 83.5907% | 2,998 |
| Equity capital to assets | 12.0643% | 2,098 |
| Core capital (leverage) ratio | 12.0872% | 1,723 |
| Tier 1 risk-based capital ratio | 16.3803% | 2,264 |
| Total risk-based capital ratio | 17.6383% | 2,206 |
| Memoranda: | ||
| Average total assets | $152,977,400 | 3,258 |
| Average earning assets | $138,955,200 | 3,292 |
| Average equity | $18,028,200 | 3,338 |
| Average total loans | $126,533,400 | 2,859 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9746% | 249 |
| Cost of funding earning assets | 1.2557% | 897 |
| Net interest margin | 4.7190% | 478 |
| Noninterest income to average assets | 0.6774% | 1,879 |
| Noninterest expense to average assets | 3.1826% | 1,498 |
| Loan and lease loss provision to assets | 0.1180% | 1,657 |
| Net operating income to assets | 1.6538% | 823 |
| Return on assets (ROA) | 1.6538% | 865 |
| Pretax return on assets | 1.6538% | 1,460 |
| Return on Equity (ROE) | 14.1182% | 959 |
| Retained earnings to average equity (ytd only) | 6.9323% | 1,893 |
| Net charge-offs to loans | 0.0359% | 2,364 |
| Credit loss provision to net charge-offs | 397.0588% | 763 |
| Earnings coverage of net charge-offs (x) | 59.6206% | 1,060 |
| Efficiency ratio | 64.2378% | 2,965 |
| Assets per employee ($millions) | 3.7281% | 4,247 |
| Cash dividends to net income (ytd only)* | 50.8987% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9286% | 530 |
| Loan loss allowance to noncurrent loans | 241,700.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.9140% | 1,483 |
| Noncurrent loans to loans | 0.0008% | 4,700 |
| Net loans and leases to total assets | 82.4199% | 513 |
| Net loans and leases to deposits | 99.3838% | 690 |
| Net loans and leases to core deposits | 128.9685% | 306 |
| Total domestic deposits to total assets | 82.9309% | 3,195 |
| Equity capital to assets | 12.3945% | 1,985 |
| Core capital (leverage) ratio | 11.9998% | 1,851 |
| Tier 1 risk-based capital ratio | 17.0489% | 2,071 |
| Total risk-based capital ratio | 18.3116% | 2,016 |
| Memoranda: | ||
| Average total assets | $152,533,250 | 3,296 |
| Average earning assets | $138,247,500 | 3,336 |
| Average equity | $17,867,750 | 3,378 |
| Average total loans | $126,229,250 | 2,898 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9303% | 268 |
| Cost of funding earning assets | 1.2097% | 963 |
| Net interest margin | 4.7206% | 472 |
| Noninterest income to average assets | 0.6286% | 2,028 |
| Noninterest expense to average assets | 3.1483% | 1,618 |
| Loan and lease loss provision to assets | 0.1171% | 1,599 |
| Net operating income to assets | 1.6243% | 858 |
| Return on assets (ROA) | 1.6243% | 898 |
| Pretax return on assets | 1.6243% | 1,471 |
| Return on Equity (ROE) | 14.1315% | 949 |
| Retained earnings to average equity (ytd only) | 6.5788% | 2,014 |
| Net charge-offs to loans | 0.0933% | 1,427 |
| Credit loss provision to net charge-offs | 152.5424% | 1,466 |
| Earnings coverage of net charge-offs (x) | 22.6780% | 1,680 |
| Efficiency ratio | 64.3865% | 3,073 |
| Assets per employee ($millions) | 3.7880% | 4,146 |
| Cash dividends to net income (ytd only)* | 53.4455% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8518% | 621 |
| Loan loss allowance to noncurrent loans | 882.7068% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 1,537 |
| Noncurrent loans to loans | 0.2098% | 3,792 |
| Net loans and leases to total assets | 82.1343% | 590 |
| Net loans and leases to deposits | 98.3196% | 813 |
| Net loans and leases to core deposits | 131.3834% | 300 |
| Total domestic deposits to total assets | 83.5380% | 3,036 |
| Equity capital to assets | 11.9464% | 2,229 |
| Core capital (leverage) ratio | 11.7347% | 1,997 |
| Tier 1 risk-based capital ratio | 16.1822% | 2,335 |
| Total risk-based capital ratio | 17.4425% | 2,282 |
| Memoranda: | ||
| Average total assets | $153,670,000 | 3,305 |
| Average earning assets | $138,710,330 | 3,347 |
| Average equity | $17,662,670 | 3,394 |
| Average total loans | $126,531,000 | 2,912 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8928% | 264 |
| Cost of funding earning assets | 1.1983% | 907 |
| Net interest margin | 4.6946% | 501 |
| Noninterest income to average assets | 0.6333% | 1,894 |
| Noninterest expense to average assets | 3.0140% | 1,957 |
| Loan and lease loss provision to assets | 0.1163% | 1,511 |
| Net operating income to assets | 1.6957% | 734 |
| Return on assets (ROA) | 1.6957% | 760 |
| Pretax return on assets | 1.6957% | 1,218 |
| Return on Equity (ROE) | 15.0429% | 741 |
| Retained earnings to average equity (ytd only) | 7.2692% | 1,945 |
| Net charge-offs to loans | 0.2880% | 513 |
| Credit loss provision to net charge-offs | 49.4505% | 1,979 |
| Earnings coverage of net charge-offs (x) | 7.7033% | 2,116 |
| Efficiency ratio | 62.4531% | 3,460 |
| Assets per employee ($millions) | 4.1506% | 3,698 |
| Cash dividends to net income (ytd only)* | 51.6768% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7892% | 720 |
| Loan loss allowance to noncurrent loans | 747.3684% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 1,526 |
| Noncurrent loans to loans | 0.2394% | 3,716 |
| Net loans and leases to total assets | 81.2080% | 682 |
| Net loans and leases to deposits | 96.7217% | 911 |
| Net loans and leases to core deposits | 133.0900% | 271 |
| Total domestic deposits to total assets | 83.9605% | 3,058 |
| Equity capital to assets | 11.4957% | 2,402 |
| Core capital (leverage) ratio | 11.4776% | 2,151 |
| Tier 1 risk-based capital ratio | 15.8717% | 2,500 |
| Total risk-based capital ratio | 17.1310% | 2,426 |
| Memoranda: | ||
| Average total assets | $154,745,500 | 3,343 |
| Average earning assets | $138,201,500 | 3,392 |
| Average equity | $17,443,500 | 3,427 |
| Average total loans | $126,398,000 | 2,945 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7875% | 243 |
| Cost of funding earning assets | 0.8642% | 1,246 |
| Net interest margin | 4.9233% | 309 |
| Noninterest income to average assets | 0.7474% | 1,653 |
| Noninterest expense to average assets | 3.3639% | 1,203 |
| Loan and lease loss provision to assets | 0.1382% | 1,560 |
| Net operating income to assets | 1.7507% | 612 |
| Return on assets (ROA) | 1.7507% | 606 |
| Pretax return on assets | 1.7507% | 1,047 |
| Return on Equity (ROE) | 16.1461% | 600 |
| Retained earnings to average equity (ytd only) | 8.1307% | 1,175 |
| Net charge-offs to loans | 0.1144% | 1,605 |
| Credit loss provision to net charge-offs | 144.8276% | 1,878 |
| Earnings coverage of net charge-offs (x) | 19.8000% | 2,038 |
| Efficiency ratio | 64.0406% | 3,191 |
| Assets per employee ($millions) | 3.9979% | 3,894 |
| Cash dividends to net income (ytd only)* | 49.6430% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 636 |
| Loan loss allowance to noncurrent loans | 616.2234% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 1,443 |
| Noncurrent loans to loans | 0.2989% | 3,491 |
| Net loans and leases to total assets | 79.2041% | 1,061 |
| Net loans and leases to deposits | 94.4411% | 1,234 |
| Net loans and leases to core deposits | 130.3460% | 314 |
| Total domestic deposits to total assets | 83.8661% | 3,043 |
| Equity capital to assets | 11.0525% | 2,632 |
| Core capital (leverage) ratio | 11.2184% | 2,332 |
| Tier 1 risk-based capital ratio | 14.9034% | 2,875 |
| Total risk-based capital ratio | 16.1623% | 2,802 |
| Memoranda: | ||
| Average total assets | $151,998,200 | 3,362 |
| Average earning assets | $139,092,400 | 3,367 |
| Average equity | $16,480,800 | 3,463 |
| Average total loans | $126,803,600 | 2,915 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7000% | 258 |
| Cost of funding earning assets | 0.8106% | 1,287 |
| Net interest margin | 4.8894% | 323 |
| Noninterest income to average assets | 0.7725% | 1,568 |
| Noninterest expense to average assets | 3.3929% | 1,132 |
| Loan and lease loss provision to assets | 0.1457% | 1,363 |
| Net operating income to assets | 1.7499% | 665 |
| Return on assets (ROA) | 1.7499% | 670 |
| Pretax return on assets | 1.7499% | 1,143 |
| Return on Equity (ROE) | 16.2195% | 662 |
| Retained earnings to average equity (ytd only) | 8.3143% | 1,506 |
| Net charge-offs to loans | 0.1469% | 1,125 |
| Credit loss provision to net charge-offs | 117.8571% | 2,006 |
| Earnings coverage of net charge-offs (x) | 15.3359% | 2,232 |
| Efficiency ratio | 64.1569% | 3,155 |
| Assets per employee ($millions) | 3.8795% | 4,069 |
| Cash dividends to net income (ytd only)* | 48.7387% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 802 |
| Loan loss allowance to noncurrent loans | 2,917.9487% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.8571% | 1,727 |
| Noncurrent loans to loans | 0.0598% | 4,625 |
| Net loans and leases to total assets | 82.5307% | 625 |
| Net loans and leases to deposits | 93.2151% | 1,476 |
| Net loans and leases to core deposits | 124.8752% | 445 |
| Total domestic deposits to total assets | 88.5379% | 1,036 |
| Equity capital to assets | 10.8415% | 2,807 |
| Core capital (leverage) ratio | 11.0588% | 2,525 |
| Tier 1 risk-based capital ratio | 14.5467% | 3,100 |
| Total risk-based capital ratio | 15.8051% | 3,013 |
| Memoranda: | ||
| Average total assets | $151,017,750 | 3,407 |
| Average earning assets | $139,482,250 | 3,395 |
| Average equity | $16,292,750 | 3,508 |
| Average total loans | $127,051,500 | 2,943 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6541% | 256 |
| Cost of funding earning assets | 0.7790% | 1,226 |
| Net interest margin | 4.8751% | 319 |
| Noninterest income to average assets | 0.7539% | 1,630 |
| Noninterest expense to average assets | 3.4418% | 1,081 |
| Loan and lease loss provision to assets | 0.1203% | 1,640 |
| Net operating income to assets | 1.7002% | 717 |
| Return on assets (ROA) | 1.7002% | 727 |
| Pretax return on assets | 1.7002% | 1,214 |
| Return on Equity (ROE) | 15.7859% | 715 |
| Retained earnings to average equity (ytd only) | 8.0915% | 1,591 |
| Net charge-offs to loans | 0.1493% | 1,030 |
| Credit loss provision to net charge-offs | 95.7447% | 2,110 |
| Earnings coverage of net charge-offs (x) | 14.4894% | 2,095 |
| Efficiency ratio | 65.4051% | 3,084 |
| Assets per employee ($millions) | 4.2587% | 3,485 |
| Cash dividends to net income (ytd only)* | 48.7421% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7923% | 765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8111% | 1,845 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 78.1362% | 1,287 |
| Net loans and leases to deposits | 87.7798% | 2,134 |
| Net loans and leases to core deposits | 117.8362% | 636 |
| Total domestic deposits to total assets | 89.0138% | 929 |
| Equity capital to assets | 10.4702% | 3,154 |
| Core capital (leverage) ratio | 11.1524% | 2,389 |
| Tier 1 risk-based capital ratio | 15.5326% | 2,624 |
| Total risk-based capital ratio | 16.7929% | 2,557 |
| Memoranda: | ||
| Average total assets | $149,630,000 | 3,442 |
| Average earning assets | $138,377,000 | 3,435 |
| Average equity | $16,115,670 | 3,545 |
| Average total loans | $125,952,670 | 2,968 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6623% | 219 |
| Cost of funding earning assets | 0.7690% | 1,100 |
| Net interest margin | 4.8933% | 280 |
| Noninterest income to average assets | 0.7634% | 1,573 |
| Noninterest expense to average assets | 3.5727% | 896 |
| Loan and lease loss provision to assets | 0.1236% | 1,521 |
| Net operating income to assets | 1.5928% | 873 |
| Return on assets (ROA) | 1.5928% | 876 |
| Pretax return on assets | 1.5928% | 1,412 |
| Return on Equity (ROE) | 14.5687% | 884 |
| Retained earnings to average equity (ytd only) | 6.3048% | 2,581 |
| Net charge-offs to loans | 0.2788% | 554 |
| Credit loss provision to net charge-offs | 51.1364% | 1,940 |
| Earnings coverage of net charge-offs (x) | 7.1023% | 2,116 |
| Efficiency ratio | 67.5493% | 2,904 |
| Assets per employee ($millions) | 4.0837% | 3,830 |
| Cash dividends to net income (ytd only)* | 56.7241% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7506% | 864 |
| Loan loss allowance to noncurrent loans | 3,247.0588% | 226 |
| Noncurrent assets plus other real estate owned to assets | 1.2169% | 1,245 |
| Noncurrent loans to loans | 0.0539% | 4,738 |
| Net loans and leases to total assets | 84.2918% | 410 |
| Net loans and leases to deposits | 95.1744% | 1,113 |
| Net loans and leases to core deposits | 130.0400% | 343 |
| Total domestic deposits to total assets | 88.5656% | 1,321 |
| Equity capital to assets | 10.9093% | 2,671 |
| Core capital (leverage) ratio | 11.0539% | 2,381 |
| Tier 1 risk-based capital ratio | 14.8534% | 2,950 |
| Total risk-based capital ratio | 16.1128% | 2,877 |
| Memoranda: | ||
| Average total assets | $145,659,500 | 3,524 |
| Average earning assets | $134,716,000 | 3,527 |
| Average equity | $15,924,500 | 3,599 |
| Average total loans | $126,245,500 | 2,984 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7213% | 190 |
| Cost of funding earning assets | 0.6639% | 1,226 |
| Net interest margin | 5.0574% | 215 |
| Noninterest income to average assets | 0.7920% | 1,596 |
| Noninterest expense to average assets | 3.3289% | 1,319 |
| Loan and lease loss provision to assets | 0.3483% | 454 |
| Net operating income to assets | 1.7790% | 445 |
| Return on assets (ROA) | 1.7790% | 455 |
| Pretax return on assets | 1.7790% | 837 |
| Return on Equity (ROE) | 16.8541% | 408 |
| Retained earnings to average equity (ytd only) | 9.1199% | 488 |
| Net charge-offs to loans | -0.0732% | 5,295 |
| Credit loss provision to net charge-offs | -561.7978% | 4,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0111% | 4,114 |
| Assets per employee ($millions) | 3.9002% | 4,122 |
| Cash dividends to net income (ytd only)* | 45.8888% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7822% | 802 |
| Loan loss allowance to noncurrent loans | 1,301.7341% | 509 |
| Noncurrent assets plus other real estate owned to assets | 1.3125% | 1,102 |
| Noncurrent loans to loans | 0.1369% | 4,377 |
| Net loans and leases to total assets | 86.0055% | 254 |
| Net loans and leases to deposits | 97.3031% | 962 |
| Net loans and leases to core deposits | 129.2012% | 358 |
| Total domestic deposits to total assets | 88.3893% | 1,304 |
| Equity capital to assets | 10.9565% | 2,670 |
| Core capital (leverage) ratio | 11.0712% | 2,266 |
| Tier 1 risk-based capital ratio | 14.8117% | 2,923 |
| Total risk-based capital ratio | 16.0715% | 2,858 |
| Memoranda: | ||
| Average total assets | $143,560,000 | 3,560 |
| Average earning assets | $132,399,600 | 3,560 |
| Average equity | $15,153,600 | 3,704 |
| Average total loans | $121,614,200 | 3,038 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6600% | 205 |
| Cost of funding earning assets | 0.6621% | 1,172 |
| Net interest margin | 4.9979% | 234 |
| Noninterest income to average assets | 0.8174% | 1,522 |
| Noninterest expense to average assets | 3.2651% | 1,423 |
| Loan and lease loss provision to assets | 0.3952% | 347 |
| Net operating income to assets | 1.7623% | 507 |
| Return on assets (ROA) | 1.7623% | 523 |
| Pretax return on assets | 1.7623% | 975 |
| Return on Equity (ROE) | 16.8561% | 447 |
| Retained earnings to average equity (ytd only) | 9.3931% | 735 |
| Net charge-offs to loans | -0.0841% | 5,330 |
| Credit loss provision to net charge-offs | -559.2105% | 4,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2127% | 4,175 |
| Assets per employee ($millions) | 3.6509% | 4,514 |
| Cash dividends to net income (ytd only)* | 44.2745% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7830% | 881 |
| Loan loss allowance to noncurrent loans | 528.0488% | 989 |
| Noncurrent assets plus other real estate owned to assets | 1.5191% | 997 |
| Noncurrent loans to loans | 0.3377% | 3,741 |
| Net loans and leases to total assets | 83.7583% | 458 |
| Net loans and leases to deposits | 94.5218% | 1,238 |
| Net loans and leases to core deposits | 122.0249% | 517 |
| Total domestic deposits to total assets | 88.6127% | 1,063 |
| Equity capital to assets | 10.9181% | 2,944 |
| Core capital (leverage) ratio | 10.7033% | 2,764 |
| Tier 1 risk-based capital ratio | 14.3481% | 3,266 |
| Total risk-based capital ratio | 15.6071% | 3,173 |
| Memoranda: | ||
| Average total assets | $143,373,250 | 3,593 |
| Average earning assets | $132,105,250 | 3,601 |
| Average equity | $14,989,250 | 3,755 |
| Average total loans | $120,426,750 | 3,076 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5138% | 240 |
| Cost of funding earning assets | 0.6687% | 1,047 |
| Net interest margin | 4.8451% | 291 |
| Noninterest income to average assets | 0.7641% | 1,710 |
| Noninterest expense to average assets | 3.2094% | 1,557 |
| Loan and lease loss provision to assets | 0.3201% | 465 |
| Net operating income to assets | 1.7119% | 554 |
| Return on assets (ROA) | 1.7119% | 560 |
| Pretax return on assets | 1.7119% | 1,030 |
| Return on Equity (ROE) | 16.6175% | 448 |
| Retained earnings to average equity (ytd only) | 9.6057% | 674 |
| Net charge-offs to loans | -0.1416% | 5,512 |
| Credit loss provision to net charge-offs | -270.5882% | 4,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2321% | 4,130 |
| Assets per employee ($millions) | 3.5139% | 4,703 |
| Cash dividends to net income (ytd only)* | 42.1951% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 1,179 |
| Loan loss allowance to noncurrent loans | 3,092.1875% | 219 |
| Noncurrent assets plus other real estate owned to assets | 1.2346% | 1,374 |
| Noncurrent loans to loans | 0.0530% | 4,923 |
| Net loans and leases to total assets | 80.4841% | 879 |
| Net loans and leases to deposits | 90.0975% | 1,713 |
| Net loans and leases to core deposits | 118.1655% | 636 |
| Total domestic deposits to total assets | 89.3300% | 797 |
| Equity capital to assets | 10.2939% | 3,576 |
| Core capital (leverage) ratio | 10.0630% | 3,451 |
| Tier 1 risk-based capital ratio | 13.6628% | 3,615 |
| Total risk-based capital ratio | 14.9187% | 3,531 |
| Memoranda: | ||
| Average total assets | $143,702,000 | 3,602 |
| Average earning assets | $132,793,670 | 3,611 |
| Average equity | $14,803,670 | 3,785 |
| Average total loans | $120,093,670 | 3,094 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 283 |
| Cost of funding earning assets | 0.6831% | 915 |
| Net interest margin | 4.6930% | 377 |
| Noninterest income to average assets | 0.7844% | 1,611 |
| Noninterest expense to average assets | 3.2731% | 1,435 |
| Loan and lease loss provision to assets | 0.1975% | 839 |
| Net operating income to assets | 1.6563% | 602 |
| Return on assets (ROA) | 1.6563% | 616 |
| Pretax return on assets | 1.6563% | 1,109 |
| Return on Equity (ROE) | 16.0717% | 521 |
| Retained earnings to average equity (ytd only) | 8.3234% | 1,336 |
| Net charge-offs to loans | 0.0301% | 2,160 |
| Credit loss provision to net charge-offs | 777.7778% | 405 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 700 |
| Efficiency ratio | 63.8415% | 3,862 |
| Assets per employee ($millions) | 3.7510% | 4,414 |
| Cash dividends to net income (ytd only)* | 48.2112% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 1,861 |
| Loan loss allowance to noncurrent loans | 922.4599% | 638 |
| Noncurrent assets plus other real estate owned to assets | 1.3498% | 1,248 |
| Noncurrent loans to loans | 0.1575% | 4,557 |
| Net loans and leases to total assets | 82.1102% | 555 |
| Net loans and leases to deposits | 93.0373% | 1,219 |
| Net loans and leases to core deposits | 124.8230% | 347 |
| Total domestic deposits to total assets | 88.2551% | 1,557 |
| Equity capital to assets | 10.3649% | 3,331 |
| Core capital (leverage) ratio | 10.4831% | 2,924 |
| Tier 1 risk-based capital ratio | 13.7341% | 3,643 |
| Total risk-based capital ratio | 14.9877% | 3,547 |
| Memoranda: | ||
| Average total assets | $141,762,000 | 3,668 |
| Average earning assets | $131,174,000 | 3,662 |
| Average equity | $14,609,500 | 3,834 |
| Average total loans | $119,761,000 | 3,110 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3727% | 308 |
| Cost of funding earning assets | 0.6702% | 950 |
| Net interest margin | 4.7024% | 420 |
| Noninterest income to average assets | 0.8193% | 1,683 |
| Noninterest expense to average assets | 3.3371% | 1,493 |
| Loan and lease loss provision to assets | 0.1740% | 1,388 |
| Net operating income to assets | 1.6841% | 565 |
| Return on assets (ROA) | 1.7021% | 569 |
| Pretax return on assets | 1.7021% | 996 |
| Return on Equity (ROE) | 16.9204% | 415 |
| Retained earnings to average equity (ytd only) | 7.9938% | 858 |
| Net charge-offs to loans | 0.2528% | 1,093 |
| Credit loss provision to net charge-offs | 83.1034% | 2,928 |
| Earnings coverage of net charge-offs (x) | 8.8759% | 2,826 |
| Efficiency ratio | 64.2351% | 3,902 |
| Assets per employee ($millions) | 3.5246% | 4,726 |
| Cash dividends to net income (ytd only)* | 52.7566% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 2,174 |
| Loan loss allowance to noncurrent loans | 60.3555% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 2.1520% | 610 |
| Noncurrent loans to loans | 2.2831% | 730 |
| Net loans and leases to total assets | 84.4728% | 342 |
| Net loans and leases to deposits | 95.5358% | 1,039 |
| Net loans and leases to core deposits | 125.7978% | 348 |
| Total domestic deposits to total assets | 88.4200% | 1,426 |
| Equity capital to assets | 10.2458% | 3,453 |
| Core capital (leverage) ratio | 10.1280% | 3,333 |
| Tier 1 risk-based capital ratio | 13.2388% | 3,930 |
| Total risk-based capital ratio | 14.4918% | 3,843 |
| Memoranda: | ||
| Average total assets | $138,535,000 | 3,697 |
| Average earning assets | $128,912,000 | 3,674 |
| Average equity | $13,935,800 | 3,948 |
| Average total loans | $114,736,800 | 3,146 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3065% | 365 |
| Cost of funding earning assets | 0.6725% | 937 |
| Net interest margin | 4.6340% | 476 |
| Noninterest income to average assets | 0.8439% | 1,596 |
| Noninterest expense to average assets | 3.3023% | 1,562 |
| Loan and lease loss provision to assets | 0.1508% | 1,547 |
| Net operating income to assets | 1.7072% | 583 |
| Return on assets (ROA) | 1.7314% | 594 |
| Pretax return on assets | 1.7314% | 1,032 |
| Return on Equity (ROE) | 17.2933% | 422 |
| Retained earnings to average equity (ytd only) | 8.0238% | 1,157 |
| Net charge-offs to loans | -0.1154% | 5,624 |
| Credit loss provision to net charge-offs | -159.1837% | 4,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9940% | 3,934 |
| Assets per employee ($millions) | 3.5200% | 4,747 |
| Cash dividends to net income (ytd only)* | 53.6014% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 1,288 |
| Loan loss allowance to noncurrent loans | 61.6735% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 2.4702% | 554 |
| Noncurrent loans to loans | 2.7078% | 605 |
| Net loans and leases to total assets | 82.2970% | 578 |
| Net loans and leases to deposits | 92.9663% | 1,374 |
| Net loans and leases to core deposits | 123.4973% | 426 |
| Total domestic deposits to total assets | 88.5235% | 1,145 |
| Equity capital to assets | 10.1043% | 4,034 |
| Core capital (leverage) ratio | 9.9030% | 3,692 |
| Tier 1 risk-based capital ratio | 12.5885% | 4,422 |
| Total risk-based capital ratio | 13.8446% | 4,323 |
| Memoranda: | ||
| Average total assets | $137,922,500 | 3,729 |
| Average earning assets | $128,468,000 | 3,695 |
| Average equity | $13,808,500 | 4,001 |
| Average total loans | $113,231,500 | 3,177 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2138% | 417 |
| Cost of funding earning assets | 0.6646% | 964 |
| Net interest margin | 4.5492% | 556 |
| Noninterest income to average assets | 0.8250% | 1,628 |
| Noninterest expense to average assets | 3.2593% | 1,672 |
| Loan and lease loss provision to assets | 0.0657% | 2,828 |
| Net operating income to assets | 1.7479% | 525 |
| Return on assets (ROA) | 1.7844% | 513 |
| Pretax return on assets | 1.7844% | 914 |
| Return on Equity (ROE) | 17.8799% | 367 |
| Retained earnings to average equity (ytd only) | 8.8375% | 893 |
| Net charge-offs to loans | -0.1146% | 5,667 |
| Credit loss provision to net charge-offs | -70.3125% | 4,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2487% | 3,976 |
| Assets per employee ($millions) | 3.4298% | 4,871 |
| Cash dividends to net income (ytd only)* | 50.5728% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 1,642 |
| Loan loss allowance to noncurrent loans | 52.1155% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 2.4876% | 559 |
| Noncurrent loans to loans | 2.9974% | 500 |
| Net loans and leases to total assets | 81.6932% | 658 |
| Net loans and leases to deposits | 92.0998% | 1,498 |
| Net loans and leases to core deposits | 127.5094% | 342 |
| Total domestic deposits to total assets | 88.7008% | 1,062 |
| Equity capital to assets | 9.9687% | 4,268 |
| Core capital (leverage) ratio | 10.1358% | 3,405 |
| Tier 1 risk-based capital ratio | 12.8027% | 4,312 |
| Total risk-based capital ratio | 14.0578% | 4,222 |
| Memoranda: | ||
| Average total assets | $136,963,000 | 3,773 |
| Average earning assets | $127,891,000 | 3,724 |
| Average equity | $13,669,000 | 4,043 |
| Average total loans | $111,694,330 | 3,215 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 580 |
| Cost of funding earning assets | 0.6648% | 971 |
| Net interest margin | 4.3370% | 854 |
| Noninterest income to average assets | 0.7578% | 1,786 |
| Noninterest expense to average assets | 3.2235% | 1,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5895% | 716 |
| Return on assets (ROA) | 1.5895% | 755 |
| Pretax return on assets | 1.5895% | 1,326 |
| Return on Equity (ROE) | 15.9176% | 543 |
| Retained earnings to average equity (ytd only) | 5.5430% | 2,614 |
| Net charge-offs to loans | -0.1062% | 5,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9742% | 3,638 |
| Assets per employee ($millions) | 3.5883% | 4,671 |
| Cash dividends to net income (ytd only)* | 65.1769% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 1,770 |
| Loan loss allowance to noncurrent loans | 49.2647% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 2.5932% | 556 |
| Noncurrent loans to loans | 3.1568% | 490 |
| Net loans and leases to total assets | 80.8699% | 705 |
| Net loans and leases to deposits | 91.1783% | 1,441 |
| Net loans and leases to core deposits | 118.7625% | 504 |
| Total domestic deposits to total assets | 88.6943% | 1,247 |
| Equity capital to assets | 9.9614% | 4,130 |
| Core capital (leverage) ratio | 10.1665% | 3,349 |
| Tier 1 risk-based capital ratio | 13.0725% | 4,219 |
| Total risk-based capital ratio | 14.3278% | 4,131 |
| Memoranda: | ||
| Average total assets | $135,134,500 | 3,816 |
| Average earning assets | $126,354,000 | 3,780 |
| Average equity | $13,494,500 | 4,080 |
| Average total loans | $109,191,500 | 3,253 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4628% | 285 |
| Cost of funding earning assets | 0.6833% | 895 |
| Net interest margin | 4.7795% | 391 |
| Noninterest income to average assets | 0.9099% | 1,412 |
| Noninterest expense to average assets | 3.1867% | 1,999 |
| Loan and lease loss provision to assets | 0.3624% | 397 |
| Net operating income to assets | 1.8355% | 459 |
| Return on assets (ROA) | 1.8277% | 475 |
| Pretax return on assets | 1.8277% | 762 |
| Return on Equity (ROE) | 17.9986% | 379 |
| Retained earnings to average equity (ytd only) | 4.8765% | 2,511 |
| Net charge-offs to loans | 0.1313% | 2,056 |
| Credit loss provision to net charge-offs | 348.8722% | 856 |
| Earnings coverage of net charge-offs (x) | 21.1579% | 1,828 |
| Efficiency ratio | 59.1819% | 5,009 |
| Assets per employee ($millions) | 3.5240% | 4,795 |
| Cash dividends to net income (ytd only)* | 72.9060% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 1,582 |
| Loan loss allowance to noncurrent loans | 45.6557% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 2.8018% | 502 |
| Noncurrent loans to loans | 3.5273% | 392 |
| Net loans and leases to total assets | 78.1530% | 1,098 |
| Net loans and leases to deposits | 88.1864% | 1,856 |
| Net loans and leases to core deposits | 115.0937% | 635 |
| Total domestic deposits to total assets | 88.6225% | 1,322 |
| Equity capital to assets | 10.0110% | 3,947 |
| Core capital (leverage) ratio | 10.1167% | 3,368 |
| Tier 1 risk-based capital ratio | 13.3818% | 4,064 |
| Total risk-based capital ratio | 14.6367% | 4,005 |
| Memoranda: | ||
| Average total assets | $128,032,200 | 3,932 |
| Average earning assets | $119,865,400 | 3,884 |
| Average equity | $13,001,000 | 4,144 |
| Average total loans | $101,287,400 | 3,363 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5518% | 241 |
| Cost of funding earning assets | 0.6799% | 934 |
| Net interest margin | 4.8718% | 329 |
| Noninterest income to average assets | 0.9365% | 1,350 |
| Noninterest expense to average assets | 3.3185% | 1,649 |
| Loan and lease loss provision to assets | 0.4572% | 235 |
| Net operating income to assets | 1.7277% | 590 |
| Return on assets (ROA) | 1.7172% | 627 |
| Pretax return on assets | 1.7172% | 1,059 |
| Return on Equity (ROE) | 16.8475% | 484 |
| Retained earnings to average equity (ytd only) | 2.1912% | 4,790 |
| Net charge-offs to loans | 0.1386% | 1,740 |
| Credit loss provision to net charge-offs | 417.3077% | 735 |
| Earnings coverage of net charge-offs (x) | 19.9427% | 1,901 |
| Efficiency ratio | 60.2986% | 4,848 |
| Assets per employee ($millions) | 3.5553% | 4,696 |
| Cash dividends to net income (ytd only)* | 86.9939% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 1,645 |
| Loan loss allowance to noncurrent loans | 327.3423% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 4,183 |
| Noncurrent loans to loans | 0.5001% | 3,852 |
| Net loans and leases to total assets | 78.1962% | 1,072 |
| Net loans and leases to deposits | 88.2733% | 1,863 |
| Net loans and leases to core deposits | 115.6490% | 605 |
| Total domestic deposits to total assets | 88.5842% | 1,253 |
| Equity capital to assets | 9.8878% | 4,296 |
| Core capital (leverage) ratio | 9.9716% | 3,672 |
| Tier 1 risk-based capital ratio | 13.4257% | 4,180 |
| Total risk-based capital ratio | 14.6819% | 4,100 |
| Memoranda: | ||
| Average total assets | $126,562,000 | 4,000 |
| Average earning assets | $118,638,250 | 3,941 |
| Average equity | $12,899,750 | 4,201 |
| Average total loans | $100,016,750 | 3,422 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5259% | 254 |
| Cost of funding earning assets | 0.6705% | 993 |
| Net interest margin | 4.8554% | 326 |
| Noninterest income to average assets | 0.8311% | 1,664 |
| Noninterest expense to average assets | 3.3258% | 1,636 |
| Loan and lease loss provision to assets | 0.3859% | 321 |
| Net operating income to assets | 1.6765% | 650 |
| Return on assets (ROA) | 1.6701% | 685 |
| Pretax return on assets | 1.6701% | 1,142 |
| Return on Equity (ROE) | 16.2158% | 588 |
| Retained earnings to average equity (ytd only) | -1.7879% | 5,806 |
| Net charge-offs to loans | 0.1442% | 1,628 |
| Credit loss provision to net charge-offs | 339.4366% | 853 |
| Earnings coverage of net charge-offs (x) | 18.1408% | 1,819 |
| Efficiency ratio | 61.7236% | 4,719 |
| Assets per employee ($millions) | 3.4808% | 4,842 |
| Cash dividends to net income (ytd only)* | 111.0259% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 2,297 |
| Loan loss allowance to noncurrent loans | 197.4555% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 3,539 |
| Noncurrent loans to loans | 0.7597% | 3,216 |
| Net loans and leases to total assets | 81.3287% | 629 |
| Net loans and leases to deposits | 92.6229% | 1,302 |
| Net loans and leases to core deposits | 111.2842% | 770 |
| Total domestic deposits to total assets | 87.8062% | 1,750 |
| Equity capital to assets | 10.1237% | 3,904 |
| Core capital (leverage) ratio | 9.9739% | 3,644 |
| Tier 1 risk-based capital ratio | 12.8669% | 4,590 |
| Total risk-based capital ratio | 14.1205% | 4,503 |
| Memoranda: | ||
| Average total assets | $124,900,670 | 4,056 |
| Average earning assets | $117,229,670 | 4,007 |
| Average equity | $12,864,000 | 4,229 |
| Average total loans | $98,497,000 | 3,468 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2765% | 365 |
| Cost of funding earning assets | 0.6930% | 880 |
| Net interest margin | 4.5835% | 519 |
| Noninterest income to average assets | 0.8020% | 1,702 |
| Noninterest expense to average assets | 3.2720% | 1,789 |
| Loan and lease loss provision to assets | 0.1444% | 1,417 |
| Net operating income to assets | 1.6713% | 631 |
| Return on assets (ROA) | 1.6584% | 678 |
| Pretax return on assets | 1.6584% | 1,140 |
| Return on Equity (ROE) | 15.9654% | 573 |
| Retained earnings to average equity (ytd only) | 7.7820% | 1,653 |
| Net charge-offs to loans | -0.0083% | 4,646 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3127% | 4,433 |
| Assets per employee ($millions) | 3.4147% | 5,056 |
| Cash dividends to net income (ytd only)* | 51.2573% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 2,618 |
| Loan loss allowance to noncurrent loans | 152.3454% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 3,202 |
| Noncurrent loans to loans | 0.9586% | 2,862 |
| Net loans and leases to total assets | 78.4371% | 865 |
| Net loans and leases to deposits | 89.5084% | 1,438 |
| Net loans and leases to core deposits | 105.1333% | 995 |
| Total domestic deposits to total assets | 87.6311% | 2,027 |
| Equity capital to assets | 10.6582% | 3,359 |
| Core capital (leverage) ratio | 10.3582% | 3,151 |
| Tier 1 risk-based capital ratio | 14.0104% | 4,005 |
| Total risk-based capital ratio | 15.2633% | 3,927 |
| Memoranda: | ||
| Average total assets | $124,696,000 | 4,088 |
| Average earning assets | $116,591,500 | 4,050 |
| Average equity | $12,953,000 | 4,243 |
| Average total loans | $96,013,000 | 3,522 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3153% | 440 |
| Cost of funding earning assets | 0.7743% | 745 |
| Net interest margin | 4.5409% | 692 |
| Noninterest income to average assets | 1.0326% | 1,149 |
| Noninterest expense to average assets | 3.2768% | 1,989 |
| Loan and lease loss provision to assets | 0.3212% | 615 |
| Net operating income to assets | 1.6498% | 640 |
| Return on assets (ROA) | 1.6425% | 674 |
| Pretax return on assets | 1.6425% | 1,117 |
| Return on Equity (ROE) | 16.4268% | 561 |
| Retained earnings to average equity (ytd only) | 8.3272% | 896 |
| Net charge-offs to loans | 0.2451% | 1,745 |
| Credit loss provision to net charge-offs | 177.1300% | 1,371 |
| Earnings coverage of net charge-offs (x) | 10.8700% | 2,575 |
| Efficiency ratio | 62.4419% | 4,837 |
| Assets per employee ($millions) | 3.4179% | 5,015 |
| Cash dividends to net income (ytd only)* | 49.3069% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 2,616 |
| Loan loss allowance to noncurrent loans | 145.4737% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7512% | 3,329 |
| Noncurrent loans to loans | 1.0088% | 2,809 |
| Net loans and leases to total assets | 73.3756% | 1,694 |
| Net loans and leases to deposits | 85.1382% | 2,080 |
| Net loans and leases to core deposits | 98.5200% | 1,512 |
| Total domestic deposits to total assets | 86.1841% | 2,730 |
| Equity capital to assets | 10.1247% | 3,950 |
| Core capital (leverage) ratio | 10.1400% | 3,380 |
| Tier 1 risk-based capital ratio | 13.5065% | 4,409 |
| Total risk-based capital ratio | 14.7588% | 4,347 |
| Memoranda: | ||
| Average total assets | $122,986,200 | 4,123 |
| Average earning assets | $114,162,000 | 4,090 |
| Average equity | $12,297,000 | 4,305 |
| Average total loans | $90,971,800 | 3,612 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3806% | 391 |
| Cost of funding earning assets | 0.7919% | 715 |
| Net interest margin | 4.5887% | 633 |
| Noninterest income to average assets | 1.0645% | 1,085 |
| Noninterest expense to average assets | 3.3344% | 1,832 |
| Loan and lease loss provision to assets | 0.3548% | 493 |
| Net operating income to assets | 1.6268% | 705 |
| Return on assets (ROA) | 1.6170% | 749 |
| Pretax return on assets | 1.6170% | 1,272 |
| Return on Equity (ROE) | 16.2250% | 654 |
| Retained earnings to average equity (ytd only) | 8.2713% | 1,232 |
| Net charge-offs to loans | 0.2913% | 1,350 |
| Credit loss provision to net charge-offs | 164.9746% | 1,485 |
| Earnings coverage of net charge-offs (x) | 9.2132% | 2,697 |
| Efficiency ratio | 62.7234% | 4,779 |
| Assets per employee ($millions) | 3.2759% | 5,276 |
| Cash dividends to net income (ytd only)* | 49.0211% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4562% | 2,914 |
| Loan loss allowance to noncurrent loans | 156.4252% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6904% | 3,753 |
| Noncurrent loans to loans | 0.9309% | 3,237 |
| Net loans and leases to total assets | 70.9257% | 2,038 |
| Net loans and leases to deposits | 82.1620% | 2,405 |
| Net loans and leases to core deposits | 94.8252% | 1,772 |
| Total domestic deposits to total assets | 86.3243% | 2,687 |
| Equity capital to assets | 9.8459% | 4,366 |
| Core capital (leverage) ratio | 10.1571% | 3,465 |
| Tier 1 risk-based capital ratio | 13.3468% | 4,646 |
| Total risk-based capital ratio | 14.5990% | 4,571 |
| Memoranda: | ||
| Average total assets | $122,117,000 | 4,178 |
| Average earning assets | $113,143,500 | 4,144 |
| Average equity | $12,170,250 | 4,350 |
| Average total loans | $90,171,000 | 3,658 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4074% | 365 |
| Cost of funding earning assets | 0.8130% | 661 |
| Net interest margin | 4.5944% | 591 |
| Noninterest income to average assets | 1.0513% | 1,074 |
| Noninterest expense to average assets | 3.6046% | 1,286 |
| Loan and lease loss provision to assets | 0.1497% | 1,646 |
| Net operating income to assets | 1.5553% | 785 |
| Return on assets (ROA) | 1.5553% | 820 |
| Pretax return on assets | 1.5553% | 1,382 |
| Return on Equity (ROE) | 15.5393% | 706 |
| Retained earnings to average equity (ytd only) | 7.6118% | 1,475 |
| Net charge-offs to loans | 0.3126% | 1,292 |
| Credit loss provision to net charge-offs | 64.2857% | 2,573 |
| Earnings coverage of net charge-offs (x) | 7.3214% | 2,649 |
| Efficiency ratio | 67.8885% | 4,028 |
| Assets per employee ($millions) | 3.3016% | 5,248 |
| Cash dividends to net income (ytd only)* | 51.0160% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 3,993 |
| Loan loss allowance to noncurrent loans | 125.1348% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.2426% | 2,621 |
| Noncurrent loans to loans | 1.0197% | 3,199 |
| Net loans and leases to total assets | 73.4709% | 1,508 |
| Net loans and leases to deposits | 85.4496% | 1,874 |
| Net loans and leases to core deposits | 99.6812% | 1,309 |
| Total domestic deposits to total assets | 85.9815% | 3,048 |
| Equity capital to assets | 10.0729% | 4,006 |
| Core capital (leverage) ratio | 10.1588% | 3,405 |
| Tier 1 risk-based capital ratio | 13.0551% | 4,876 |
| Total risk-based capital ratio | 14.3025% | 4,809 |
| Memoranda: | ||
| Average total assets | $120,236,330 | 4,235 |
| Average earning assets | $111,439,000 | 4,203 |
| Average equity | $12,034,000 | 4,390 |
| Average total loans | $89,577,000 | 3,685 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2693% | 432 |
| Cost of funding earning assets | 0.8159% | 690 |
| Net interest margin | 4.4534% | 722 |
| Noninterest income to average assets | 1.1100% | 906 |
| Noninterest expense to average assets | 3.6521% | 1,207 |
| Loan and lease loss provision to assets | 0.1509% | 1,605 |
| Net operating income to assets | 1.4622% | 874 |
| Return on assets (ROA) | 1.4622% | 905 |
| Pretax return on assets | 1.4622% | 1,542 |
| Return on Equity (ROE) | 14.6573% | 828 |
| Retained earnings to average equity (ytd only) | 5.9167% | 2,583 |
| Net charge-offs to loans | -0.0315% | 5,585 |
| Credit loss provision to net charge-offs | -642.8571% | 5,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3631% | 3,940 |
| Assets per employee ($millions) | 3.3205% | 5,310 |
| Cash dividends to net income (ytd only)* | 59.6330% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 3,590 |
| Loan loss allowance to noncurrent loans | 94.8872% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.7107% | 2,063 |
| Noncurrent loans to loans | 1.4774% | 2,574 |
| Net loans and leases to total assets | 74.2511% | 1,233 |
| Net loans and leases to deposits | 86.3717% | 1,552 |
| Net loans and leases to core deposits | 101.8019% | 997 |
| Total domestic deposits to total assets | 85.9669% | 3,383 |
| Equity capital to assets | 10.0494% | 3,787 |
| Core capital (leverage) ratio | 10.0301% | 3,533 |
| Tier 1 risk-based capital ratio | 12.5166% | 5,304 |
| Total risk-based capital ratio | 13.7674% | 5,239 |
| Memoranda: | ||
| Average total assets | $119,274,500 | 4,294 |
| Average earning assets | $111,285,500 | 4,239 |
| Average equity | $11,898,500 | 4,431 |
| Average total loans | $88,909,500 | 3,728 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3952% | 439 |
| Cost of funding earning assets | 0.8877% | 791 |
| Net interest margin | 4.5075% | 726 |
| Noninterest income to average assets | 1.1913% | 999 |
| Noninterest expense to average assets | 3.6374% | 1,388 |
| Loan and lease loss provision to assets | 0.2366% | 1,527 |
| Net operating income to assets | 1.5175% | 790 |
| Return on assets (ROA) | 1.5293% | 814 |
| Pretax return on assets | 1.5293% | 1,352 |
| Return on Equity (ROE) | 15.9849% | 624 |
| Retained earnings to average equity (ytd only) | 10.3328% | 512 |
| Net charge-offs to loans | 0.2703% | 2,347 |
| Credit loss provision to net charge-offs | 123.8938% | 1,921 |
| Earnings coverage of net charge-offs (x) | 9.1858% | 2,542 |
| Efficiency ratio | 67.4659% | 4,294 |
| Assets per employee ($millions) | 3.2165% | 5,458 |
| Cash dividends to net income (ytd only)* | 35.3591% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 3,756 |
| Loan loss allowance to noncurrent loans | 98.4540% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.6352% | 2,264 |
| Noncurrent loans to loans | 1.3998% | 2,795 |
| Net loans and leases to total assets | 72.7569% | 1,551 |
| Net loans and leases to deposits | 84.4802% | 1,869 |
| Net loans and leases to core deposits | 98.8922% | 1,241 |
| Total domestic deposits to total assets | 86.1230% | 3,189 |
| Equity capital to assets | 9.9017% | 3,899 |
| Core capital (leverage) ratio | 9.6246% | 4,082 |
| Tier 1 risk-based capital ratio | 12.7974% | 5,115 |
| Total risk-based capital ratio | 14.0485% | 5,061 |
| Memoranda: | ||
| Average total assets | $118,353,200 | 4,305 |
| Average earning assets | $110,282,600 | 4,252 |
| Average equity | $11,323,200 | 4,574 |
| Average total loans | $83,597,000 | 3,838 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3639% | 473 |
| Cost of funding earning assets | 0.9110% | 774 |
| Net interest margin | 4.4529% | 799 |
| Noninterest income to average assets | 1.1225% | 1,161 |
| Noninterest expense to average assets | 3.6697% | 1,290 |
| Loan and lease loss provision to assets | 0.1523% | 2,362 |
| Net operating income to assets | 1.4361% | 1,011 |
| Return on assets (ROA) | 1.4507% | 1,034 |
| Pretax return on assets | 1.4507% | 1,764 |
| Return on Equity (ROE) | 15.2982% | 750 |
| Retained earnings to average equity (ytd only) | 10.5398% | 679 |
| Net charge-offs to loans | 0.1938% | 2,682 |
| Credit loss provision to net charge-offs | 112.5000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 11.7331% | 2,208 |
| Efficiency ratio | 69.7919% | 3,792 |
| Assets per employee ($millions) | 3.3500% | 5,184 |
| Cash dividends to net income (ytd only)* | 31.1043% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 4,164 |
| Loan loss allowance to noncurrent loans | 70.4819% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.9403% | 2,091 |
| Noncurrent loans to loans | 1.9084% | 2,354 |
| Net loans and leases to total assets | 71.1553% | 1,754 |
| Net loans and leases to deposits | 82.3101% | 2,101 |
| Net loans and leases to core deposits | 97.2165% | 1,295 |
| Total domestic deposits to total assets | 86.4479% | 2,992 |
| Equity capital to assets | 9.5323% | 4,511 |
| Core capital (leverage) ratio | 9.5204% | 4,368 |
| Tier 1 risk-based capital ratio | 12.3430% | 5,547 |
| Total risk-based capital ratio | 13.5927% | 5,486 |
| Memoranda: | ||
| Average total assets | $118,189,000 | 4,354 |
| Average earning assets | $109,767,750 | 4,314 |
| Average equity | $11,208,000 | 4,644 |
| Average total loans | $82,546,750 | 3,896 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3507% | 481 |
| Cost of funding earning assets | 0.9230% | 806 |
| Net interest margin | 4.4277% | 808 |
| Noninterest income to average assets | 1.0512% | 1,377 |
| Noninterest expense to average assets | 3.6342% | 1,360 |
| Loan and lease loss provision to assets | 0.1533% | 2,399 |
| Net operating income to assets | 1.3664% | 1,151 |
| Return on assets (ROA) | 1.3664% | 1,233 |
| Pretax return on assets | 1.3664% | 2,056 |
| Return on Equity (ROE) | 14.4348% | 923 |
| Retained earnings to average equity (ytd only) | 11.1411% | 620 |
| Net charge-offs to loans | 0.1160% | 3,202 |
| Credit loss provision to net charge-offs | 191.4894% | 1,243 |
| Earnings coverage of net charge-offs (x) | 18.9787% | 1,528 |
| Efficiency ratio | 70.5124% | 3,734 |
| Assets per employee ($millions) | 3.4128% | 5,032 |
| Cash dividends to net income (ytd only)* | 22.8180% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 3,936 |
| Loan loss allowance to noncurrent loans | 116.9922% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.4291% | 2,956 |
| Noncurrent loans to loans | 1.2155% | 3,522 |
| Net loans and leases to total assets | 69.5251% | 1,967 |
| Net loans and leases to deposits | 80.5820% | 2,240 |
| Net loans and leases to core deposits | 94.2773% | 1,501 |
| Total domestic deposits to total assets | 86.2787% | 3,215 |
| Equity capital to assets | 9.4643% | 4,630 |
| Core capital (leverage) ratio | 9.4339% | 4,342 |
| Tier 1 risk-based capital ratio | 12.5775% | 5,446 |
| Total risk-based capital ratio | 13.8284% | 5,386 |
| Memoranda: | ||
| Average total assets | $117,385,000 | 4,407 |
| Average earning assets | $108,770,000 | 4,366 |
| Average equity | $11,112,000 | 4,704 |
| Average total loans | $81,067,670 | 3,957 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1257% | 706 |
| Cost of funding earning assets | 0.9202% | 893 |
| Net interest margin | 4.2055% | 1,170 |
| Noninterest income to average assets | 1.1276% | 1,176 |
| Noninterest expense to average assets | 3.6269% | 1,372 |
| Loan and lease loss provision to assets | 0.1547% | 2,321 |
| Net operating income to assets | 1.2582% | 1,378 |
| Return on assets (ROA) | 1.2582% | 1,478 |
| Pretax return on assets | 1.2582% | 2,380 |
| Return on Equity (ROE) | 13.2904% | 1,100 |
| Retained earnings to average equity (ytd only) | 13.2904% | 520 |
| Net charge-offs to loans | 0.2114% | 2,151 |
| Credit loss provision to net charge-offs | 107.1429% | 1,726 |
| Earnings coverage of net charge-offs (x) | 9.7857% | 1,807 |
| Efficiency ratio | 71.9645% | 3,621 |
| Assets per employee ($millions) | 3.5211% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 4,047 |
| Loan loss allowance to noncurrent loans | 109.5553% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.4734% | 3,049 |
| Noncurrent loans to loans | 1.3155% | 3,588 |
| Net loans and leases to total assets | 68.1515% | 1,981 |
| Net loans and leases to deposits | 80.1486% | 2,054 |
| Net loans and leases to core deposits | 92.9482% | 1,421 |
| Total domestic deposits to total assets | 85.0315% | 4,022 |
| Equity capital to assets | 9.6216% | 4,677 |
| Core capital (leverage) ratio | 9.4076% | 4,226 |
| Tier 1 risk-based capital ratio | 12.8853% | 5,310 |
| Total risk-based capital ratio | 14.1373% | 5,251 |
| Memoranda: | ||
| Average total assets | $116,353,000 | 4,474 |
| Average earning assets | $108,238,500 | 4,416 |
| Average equity | $11,015,500 | 4,765 |
| Average total loans | $79,479,000 | 4,023 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5770% | 537 |
| Cost of funding earning assets | 1.0267% | 1,220 |
| Net interest margin | 4.5503% | 861 |
| Noninterest income to average assets | 1.1964% | 1,096 |
| Noninterest expense to average assets | 3.5621% | 1,697 |
| Loan and lease loss provision to assets | 1.0940% | 349 |
| Net operating income to assets | 0.7606% | 3,465 |
| Return on assets (ROA) | 0.7606% | 3,704 |
| Pretax return on assets | 0.7606% | 4,444 |
| Return on Equity (ROE) | 7.8994% | 3,130 |
| Retained earnings to average equity (ytd only) | 1.0363% | 5,357 |
| Net charge-offs to loans | 1.5715% | 551 |
| Credit loss provision to net charge-offs | 99.5223% | 3,116 |
| Earnings coverage of net charge-offs (x) | 1.6871% | 4,592 |
| Efficiency ratio | 65.7618% | 4,552 |
| Assets per employee ($millions) | 3.4267% | 5,156 |
| Cash dividends to net income (ytd only)* | 86.8815% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 3,872 |
| Loan loss allowance to noncurrent loans | 206.6190% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 1.1149% | 3,790 |
| Noncurrent loans to loans | 0.7111% | 4,763 |
| Net loans and leases to total assets | 66.4798% | 2,458 |
| Net loans and leases to deposits | 77.8200% | 2,561 |
| Net loans and leases to core deposits | 90.1184% | 1,822 |
| Total domestic deposits to total assets | 85.4277% | 3,645 |
| Equity capital to assets | 9.3134% | 5,135 |
| Core capital (leverage) ratio | 8.9717% | 4,943 |
| Tier 1 risk-based capital ratio | 12.2746% | 5,615 |
| Total risk-based capital ratio | 13.5264% | 5,569 |
| Memoranda: | ||
| Average total assets | $114,258,000 | 4,488 |
| Average earning assets | $105,971,600 | 4,451 |
| Average equity | $11,000,800 | 4,763 |
| Average total loans | $79,922,200 | 4,042 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6522% | 508 |
| Cost of funding earning assets | 1.0442% | 1,312 |
| Net interest margin | 4.6080% | 804 |
| Noninterest income to average assets | 1.1692% | 1,113 |
| Noninterest expense to average assets | 3.5322% | 1,687 |
| Loan and lease loss provision to assets | 0.3143% | 2,099 |
| Net operating income to assets | 1.5714% | 914 |
| Return on assets (ROA) | 1.5714% | 1,006 |
| Pretax return on assets | 1.5714% | 1,662 |
| Return on Equity (ROE) | 16.1857% | 719 |
| Retained earnings to average equity (ytd only) | 7.5614% | 1,816 |
| Net charge-offs to loans | 0.0050% | 5,686 |
| Credit loss provision to net charge-offs | 8,933.3333% | 26 |
| Earnings coverage of net charge-offs (x) | 535.9875% | 81 |
| Efficiency ratio | 65.1948% | 4,591 |
| Assets per employee ($millions) | 3.5418% | 4,868 |
| Cash dividends to net income (ytd only)* | 53.2839% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 2,957 |
| Loan loss allowance to noncurrent loans | 121.5503% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 1.4707% | 3,398 |
| Noncurrent loans to loans | 1.4417% | 3,645 |
| Net loans and leases to total assets | 68.4508% | 2,225 |
| Net loans and leases to deposits | 80.6984% | 2,292 |
| Net loans and leases to core deposits | 93.4257% | 1,631 |
| Total domestic deposits to total assets | 84.8230% | 3,828 |
| Equity capital to assets | 9.7740% | 4,816 |
| Core capital (leverage) ratio | 9.5822% | 4,141 |
| Tier 1 risk-based capital ratio | 12.8987% | 5,331 |
| Total risk-based capital ratio | 14.1542% | 5,289 |
| Memoranda: | ||
| Average total assets | $113,695,250 | 4,554 |
| Average earning assets | $104,829,250 | 4,516 |
| Average equity | $11,038,250 | 4,798 |
| Average total loans | $80,250,250 | 4,073 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6672% | 512 |
| Cost of funding earning assets | 1.0601% | 1,413 |
| Net interest margin | 4.6071% | 817 |
| Noninterest income to average assets | 1.1027% | 1,178 |
| Noninterest expense to average assets | 3.4359% | 1,946 |
| Loan and lease loss provision to assets | 0.4226% | 1,547 |
| Net operating income to assets | 1.4809% | 1,024 |
| Return on assets (ROA) | 1.4809% | 1,149 |
| Pretax return on assets | 1.4809% | 1,919 |
| Return on Equity (ROE) | 15.2892% | 891 |
| Retained earnings to average equity (ytd only) | 5.7380% | 2,860 |
| Net charge-offs to loans | 0.0050% | 5,432 |
| Credit loss provision to net charge-offs | 11,900.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 536.0000% | 74 |
| Efficiency ratio | 64.3499% | 4,823 |
| Assets per employee ($millions) | 3.3684% | 5,277 |
| Cash dividends to net income (ytd only)* | 62.4700% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 3,314 |
| Loan loss allowance to noncurrent loans | 123.0837% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.4669% | 3,504 |
| Noncurrent loans to loans | 1.3653% | 3,875 |
| Net loans and leases to total assets | 71.3661% | 1,666 |
| Net loans and leases to deposits | 84.0864% | 1,843 |
| Net loans and leases to core deposits | 96.7105% | 1,381 |
| Total domestic deposits to total assets | 84.8723% | 3,916 |
| Equity capital to assets | 9.6905% | 4,771 |
| Core capital (leverage) ratio | 9.4922% | 4,149 |
| Tier 1 risk-based capital ratio | 12.1352% | 5,841 |
| Total risk-based capital ratio | 13.3894% | 5,818 |
| Memoranda: | ||
| Average total assets | $112,633,330 | 4,600 |
| Average earning assets | $103,578,330 | 4,582 |
| Average equity | $10,909,670 | 4,830 |
| Average total loans | $79,856,000 | 4,108 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5226% | 723 |
| Cost of funding earning assets | 1.0889% | 1,460 |
| Net interest margin | 4.4337% | 1,154 |
| Noninterest income to average assets | 0.9348% | 1,614 |
| Noninterest expense to average assets | 3.5671% | 1,634 |
| Loan and lease loss provision to assets | 0.2865% | 2,171 |
| Net operating income to assets | 1.1496% | 1,880 |
| Return on assets (ROA) | 1.1496% | 2,061 |
| Pretax return on assets | 1.1496% | 3,113 |
| Return on Equity (ROE) | 11.8719% | 1,708 |
| Retained earnings to average equity (ytd only) | 5.8065% | 3,069 |
| Net charge-offs to loans | 0.0102% | 4,579 |
| Credit loss provision to net charge-offs | 4,000.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 200.5000% | 181 |
| Efficiency ratio | 71.2956% | 3,571 |
| Assets per employee ($millions) | 3.1287% | 5,903 |
| Cash dividends to net income (ytd only)* | 51.0903% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 3,698 |
| Loan loss allowance to noncurrent loans | 101.2245% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.5724% | 3,503 |
| Noncurrent loans to loans | 1.5863% | 3,737 |
| Net loans and leases to total assets | 67.4631% | 2,205 |
| Net loans and leases to deposits | 79.7324% | 2,239 |
| Net loans and leases to core deposits | 92.5653% | 1,585 |
| Total domestic deposits to total assets | 84.6118% | 4,209 |
| Equity capital to assets | 9.6793% | 4,551 |
| Core capital (leverage) ratio | 9.5620% | 3,968 |
| Tier 1 risk-based capital ratio | 12.4945% | 5,605 |
| Total risk-based capital ratio | 13.7469% | 5,572 |
| Memoranda: | ||
| Average total assets | $111,687,500 | 4,664 |
| Average earning assets | $102,488,500 | 4,642 |
| Average equity | $10,815,500 | 4,858 |
| Average total loans | $78,219,500 | 4,170 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8154% | 622 |
| Cost of funding earning assets | 1.1296% | 2,473 |
| Net interest margin | 4.6859% | 774 |
| Noninterest income to average assets | 0.9882% | 1,400 |
| Noninterest expense to average assets | 3.9799% | 1,066 |
| Loan and lease loss provision to assets | 0.2810% | 3,421 |
| Net operating income to assets | 1.0753% | 1,905 |
| Return on assets (ROA) | 1.0753% | 2,044 |
| Pretax return on assets | 1.0753% | 2,932 |
| Return on Equity (ROE) | 11.4011% | 1,586 |
| Retained earnings to average equity (ytd only) | 7.6967% | 1,193 |
| Net charge-offs to loans | 0.1753% | 4,744 |
| Credit loss provision to net charge-offs | 214.2857% | 1,137 |
| Earnings coverage of net charge-offs (x) | 10.3429% | 1,851 |
| Efficiency ratio | 74.5831% | 3,131 |
| Assets per employee ($millions) | 3.1641% | 5,783 |
| Cash dividends to net income (ytd only)* | 32.4913% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 4,165 |
| Loan loss allowance to noncurrent loans | 183.1230% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 1.3861% | 3,919 |
| Noncurrent loans to loans | 0.8004% | 5,089 |
| Net loans and leases to total assets | 70.4812% | 1,939 |
| Net loans and leases to deposits | 83.0917% | 2,056 |
| Net loans and leases to core deposits | 97.0048% | 1,413 |
| Total domestic deposits to total assets | 84.8234% | 3,938 |
| Equity capital to assets | 9.6882% | 4,616 |
| Core capital (leverage) ratio | 9.4807% | 4,055 |
| Tier 1 risk-based capital ratio | 11.2986% | 6,292 |
| Total risk-based capital ratio | 12.5482% | 6,271 |
| Memoranda: | ||
| Average total assets | $106,761,600 | 4,712 |
| Average earning assets | $99,063,800 | 4,661 |
| Average equity | $10,069,200 | 4,993 |
| Average total loans | $79,857,400 | 4,143 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8594% | 608 |
| Cost of funding earning assets | 1.1361% | 2,724 |
| Net interest margin | 4.7232% | 726 |
| Noninterest income to average assets | 0.9833% | 1,382 |
| Noninterest expense to average assets | 4.0718% | 922 |
| Loan and lease loss provision to assets | 0.2458% | 3,547 |
| Net operating income to assets | 1.0627% | 2,098 |
| Return on assets (ROA) | 1.0627% | 2,239 |
| Pretax return on assets | 1.0627% | 3,158 |
| Return on Equity (ROE) | 11.3484% | 1,743 |
| Retained earnings to average equity (ytd only) | 6.3271% | 2,349 |
| Net charge-offs to loans | 0.2050% | 4,161 |
| Credit loss provision to net charge-offs | 158.5366% | 1,955 |
| Earnings coverage of net charge-offs (x) | 8.4388% | 2,177 |
| Efficiency ratio | 75.6795% | 2,889 |
| Assets per employee ($millions) | 2.9913% | 6,135 |
| Cash dividends to net income (ytd only)* | 44.2467% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 4,700 |
| Loan loss allowance to noncurrent loans | 169.5103% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 1.5143% | 3,835 |
| Noncurrent loans to loans | 0.8066% | 5,255 |
| Net loans and leases to total assets | 69.9332% | 2,096 |
| Net loans and leases to deposits | 82.5221% | 2,255 |
| Net loans and leases to core deposits | 96.5882% | 1,544 |
| Total domestic deposits to total assets | 84.7448% | 3,892 |
| Equity capital to assets | 9.4961% | 5,096 |
| Core capital (leverage) ratio | 9.3023% | 4,453 |
| Tier 1 risk-based capital ratio | 11.0312% | 6,523 |
| Total risk-based capital ratio | 12.2039% | 6,544 |
| Memoranda: | ||
| Average total assets | $105,766,250 | 4,768 |
| Average earning assets | $98,461,250 | 4,708 |
| Average equity | $9,904,250 | 5,059 |
| Average total loans | $80,018,250 | 4,173 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8719% | 620 |
| Cost of funding earning assets | 1.1356% | 2,994 |
| Net interest margin | 4.7364% | 677 |
| Noninterest income to average assets | 0.9757% | 1,391 |
| Noninterest expense to average assets | 3.9124% | 1,169 |
| Loan and lease loss provision to assets | 0.2593% | 3,328 |
| Net operating income to assets | 1.2100% | 1,539 |
| Return on assets (ROA) | 1.2100% | 1,626 |
| Pretax return on assets | 1.2100% | 2,441 |
| Return on Equity (ROE) | 12.9866% | 1,204 |
| Retained earnings to average equity (ytd only) | 7.8332% | 1,517 |
| Net charge-offs to loans | 0.3005% | 3,370 |
| Credit loss provision to net charge-offs | 111.5702% | 2,746 |
| Earnings coverage of net charge-offs (x) | 6.3223% | 2,421 |
| Efficiency ratio | 72.6981% | 3,600 |
| Assets per employee ($millions) | 2.9153% | 6,268 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 5,187 |
| Loan loss allowance to noncurrent loans | 118.7135% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 1.5658% | 3,845 |
| Noncurrent loans to loans | 1.0715% | 4,875 |
| Net loans and leases to total assets | 73.0385% | 1,586 |
| Net loans and leases to deposits | 86.2411% | 1,760 |
| Net loans and leases to core deposits | 99.4120% | 1,394 |
| Total domestic deposits to total assets | 84.6910% | 4,022 |
| Equity capital to assets | 9.5573% | 4,727 |
| Core capital (leverage) ratio | 9.4448% | 4,036 |
| Tier 1 risk-based capital ratio | 10.9811% | 6,544 |
| Total risk-based capital ratio | 12.0953% | 6,597 |
| Memoranda: | ||
| Average total assets | $104,129,330 | 4,852 |
| Average earning assets | $96,867,670 | 4,788 |
| Average equity | $9,702,330 | 5,121 |
| Average total loans | $80,533,330 | 4,194 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0023% | 469 |
| Cost of funding earning assets | 1.1365% | 3,256 |
| Net interest margin | 4.8659% | 499 |
| Noninterest income to average assets | 0.9505% | 1,468 |
| Noninterest expense to average assets | 3.9976% | 1,037 |
| Loan and lease loss provision to assets | 0.2934% | 2,809 |
| Net operating income to assets | 1.1813% | 1,566 |
| Return on assets (ROA) | 1.1813% | 1,618 |
| Pretax return on assets | 1.1813% | 2,447 |
| Return on Equity (ROE) | 12.8524% | 1,229 |
| Retained earnings to average equity (ytd only) | 2.2130% | 4,816 |
| Net charge-offs to loans | 0.2868% | 2,915 |
| Credit loss provision to net charge-offs | 129.3103% | 2,137 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,090 |
| Efficiency ratio | 73.0522% | 3,669 |
| Assets per employee ($millions) | 2.8972% | 6,356 |
| Cash dividends to net income (ytd only)* | 82.7815% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 5,241 |
| Loan loss allowance to noncurrent loans | 118.7865% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 1.4142% | 4,158 |
| Noncurrent loans to loans | 1.0765% | 4,897 |
| Net loans and leases to total assets | 75.3545% | 1,130 |
| Net loans and leases to deposits | 88.9868% | 1,352 |
| Net loans and leases to core deposits | 102.4333% | 1,166 |
| Total domestic deposits to total assets | 84.6806% | 4,192 |
| Equity capital to assets | 9.0538% | 5,123 |
| Core capital (leverage) ratio | 9.0100% | 4,600 |
| Tier 1 risk-based capital ratio | 10.2437% | 6,913 |
| Total risk-based capital ratio | 11.3739% | 6,964 |
| Memoranda: | ||
| Average total assets | $102,261,500 | 4,939 |
| Average earning assets | $95,029,500 | 4,880 |
| Average equity | $9,399,000 | 5,205 |
| Average total loans | $80,901,000 | 4,223 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3079% | 456 |
| Cost of funding earning assets | 1.0619% | 5,353 |
| Net interest margin | 5.2461% | 261 |
| Noninterest income to average assets | 1.3268% | 836 |
| Noninterest expense to average assets | 4.5580% | 615 |
| Loan and lease loss provision to assets | 0.4881% | 3,220 |
| Net operating income to assets | 1.0876% | 1,732 |
| Return on assets (ROA) | 1.0876% | 1,821 |
| Pretax return on assets | 1.0876% | 2,626 |
| Return on Equity (ROE) | 11.0718% | 1,564 |
| Retained earnings to average equity (ytd only) | 5.3136% | 2,240 |
| Net charge-offs to loans | 0.2388% | 4,858 |
| Credit loss provision to net charge-offs | 256.8966% | 1,101 |
| Earnings coverage of net charge-offs (x) | 8.2931% | 1,987 |
| Efficiency ratio | 74.3101% | 3,333 |
| Assets per employee ($millions) | 2.9478% | 6,215 |
| Cash dividends to net income (ytd only)* | 52.0080% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 5,426 |
| Loan loss allowance to noncurrent loans | 84.7587% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 2.2081% | 3,084 |
| Noncurrent loans to loans | 1.4369% | 4,331 |
| Net loans and leases to total assets | 81.0075% | 542 |
| Net loans and leases to deposits | 96.2457% | 850 |
| Net loans and leases to core deposits | 111.5509% | 841 |
| Total domestic deposits to total assets | 84.1675% | 4,290 |
| Equity capital to assets | 9.3341% | 4,642 |
| Core capital (leverage) ratio | 9.3916% | 3,862 |
| Tier 1 risk-based capital ratio | 10.0520% | 6,956 |
| Total risk-based capital ratio | 11.1487% | 7,012 |
| Memoranda: | ||
| Average total assets | $91,574,400 | 5,237 |
| Average earning assets | $83,910,000 | 5,216 |
| Average equity | $8,995,800 | 5,430 |
| Average total loans | $72,866,400 | 4,576 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3718% | 440 |
| Cost of funding earning assets | 1.0494% | 5,700 |
| Net interest margin | 5.3224% | 230 |
| Noninterest income to average assets | 1.4032% | 688 |
| Noninterest expense to average assets | 4.7673% | 459 |
| Loan and lease loss provision to assets | 0.3504% | 3,809 |
| Net operating income to assets | 1.1258% | 1,805 |
| Return on assets (ROA) | 1.1258% | 1,918 |
| Pretax return on assets | 1.1258% | 2,747 |
| Return on Equity (ROE) | 11.3029% | 1,697 |
| Retained earnings to average equity (ytd only) | 3.5481% | 3,954 |
| Net charge-offs to loans | 0.3024% | 4,157 |
| Credit loss provision to net charge-offs | 146.8750% | 2,673 |
| Earnings coverage of net charge-offs (x) | 6.1875% | 2,577 |
| Efficiency ratio | 76.3554% | 2,879 |
| Assets per employee ($millions) | 2.7515% | 6,687 |
| Cash dividends to net income (ytd only)* | 68.6094% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 6,233 |
| Loan loss allowance to noncurrent loans | 57.6040% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 2.5264% | 2,841 |
| Noncurrent loans to loans | 1.7994% | 3,947 |
| Net loans and leases to total assets | 79.6123% | 802 |
| Net loans and leases to deposits | 95.3215% | 1,063 |
| Net loans and leases to core deposits | 108.8662% | 1,103 |
| Total domestic deposits to total assets | 83.5197% | 4,363 |
| Equity capital to assets | 9.5729% | 4,739 |
| Core capital (leverage) ratio | 9.3304% | 4,165 |
| Tier 1 risk-based capital ratio | 10.3441% | 6,869 |
| Total risk-based capital ratio | 11.2737% | 7,042 |
| Memoranda: | ||
| Average total assets | $89,412,000 | 5,377 |
| Average earning assets | $81,315,000 | 5,363 |
| Average equity | $8,906,000 | 5,522 |
| Average total loans | $70,535,500 | 4,734 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3443% | 470 |
| Cost of funding earning assets | 0.9975% | 6,155 |
| Net interest margin | 5.3469% | 227 |
| Noninterest income to average assets | 1.3178% | 730 |
| Noninterest expense to average assets | 4.7386% | 465 |
| Loan and lease loss provision to assets | 0.2985% | 3,999 |
| Net operating income to assets | 1.1295% | 1,760 |
| Return on assets (ROA) | 1.1295% | 1,828 |
| Pretax return on assets | 1.1295% | 2,672 |
| Return on Equity (ROE) | 11.1797% | 1,694 |
| Retained earnings to average equity (ytd only) | -0.5908% | 5,872 |
| Net charge-offs to loans | 0.2990% | 3,824 |
| Credit loss provision to net charge-offs | 127.4510% | 3,155 |
| Earnings coverage of net charge-offs (x) | 6.0980% | 2,526 |
| Efficiency ratio | 76.8429% | 2,927 |
| Assets per employee ($millions) | 2.6609% | 6,843 |
| Cash dividends to net income (ytd only)* | 105.2846% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 6,215 |
| Loan loss allowance to noncurrent loans | 84.1695% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 2.8164% | 2,564 |
| Noncurrent loans to loans | 1.2396% | 4,901 |
| Net loans and leases to total assets | 76.8898% | 1,312 |
| Net loans and leases to deposits | 93.4368% | 1,348 |
| Net loans and leases to core deposits | 109.5676% | 1,195 |
| Total domestic deposits to total assets | 82.2907% | 4,870 |
| Equity capital to assets | 9.5542% | 4,630 |
| Core capital (leverage) ratio | 9.8601% | 3,329 |
| Tier 1 risk-based capital ratio | 10.6024% | 6,603 |
| Total risk-based capital ratio | 11.5256% | 6,838 |
| Memoranda: | ||
| Average total assets | $87,115,000 | 5,479 |
| Average earning assets | $78,999,670 | 5,472 |
| Average equity | $8,801,670 | 5,558 |
| Average total loans | $68,223,330 | 4,854 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4071% | 428 |
| Cost of funding earning assets | 0.9439% | 6,601 |
| Net interest margin | 5.4632% | 187 |
| Noninterest income to average assets | 1.3221% | 691 |
| Noninterest expense to average assets | 4.9509% | 381 |
| Loan and lease loss provision to assets | 0.2854% | 3,745 |
| Net operating income to assets | 1.0130% | 2,136 |
| Return on assets (ROA) | 1.0130% | 2,203 |
| Pretax return on assets | 1.0130% | 3,042 |
| Return on Equity (ROE) | 9.7332% | 2,195 |
| Retained earnings to average equity (ytd only) | -13.9373% | 7,169 |
| Net charge-offs to loans | 0.1754% | 3,870 |
| Credit loss provision to net charge-offs | 206.8966% | 1,800 |
| Earnings coverage of net charge-offs (x) | 9.4138% | 1,856 |
| Efficiency ratio | 79.2237% | 2,682 |
| Assets per employee ($millions) | 2.4792% | 7,227 |
| Cash dividends to net income (ytd only)* | 243.1925% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 5,774 |
| Loan loss allowance to noncurrent loans | 48.9677% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 3.0584% | 2,335 |
| Noncurrent loans to loans | 2.3496% | 3,332 |
| Net loans and leases to total assets | 77.3608% | 1,274 |
| Net loans and leases to deposits | 91.6642% | 1,662 |
| Net loans and leases to core deposits | 109.8571% | 1,283 |
| Total domestic deposits to total assets | 84.3959% | 3,954 |
| Equity capital to assets | 10.1991% | 3,610 |
| Core capital (leverage) ratio | 10.0138% | 3,151 |
| Tier 1 risk-based capital ratio | 11.3254% | 5,835 |
| Total risk-based capital ratio | 12.3497% | 6,035 |
| Memoranda: | ||
| Average total assets | $84,106,500 | 5,630 |
| Average earning assets | $75,853,000 | 5,641 |
| Average equity | $8,753,500 | 5,609 |
| Average total loans | $66,153,000 | 4,996 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4068% | 815 |
| Cost of funding earning assets | 1.2580% | 6,446 |
| Net interest margin | 5.1488% | 325 |
| Noninterest income to average assets | 1.3840% | 767 |
| Noninterest expense to average assets | 4.8831% | 572 |
| Loan and lease loss provision to assets | 0.5702% | 3,527 |
| Net operating income to assets | 0.5786% | 3,415 |
| Return on assets (ROA) | 0.5786% | 3,489 |
| Pretax return on assets | 0.5786% | 3,960 |
| Return on Equity (ROE) | 5.5910% | 3,384 |
| Retained earnings to average equity (ytd only) | 5.5910% | 1,532 |
| Net charge-offs to loans | 0.6646% | 3,190 |
| Credit loss provision to net charge-offs | 108.9450% | 5,073 |
| Earnings coverage of net charge-offs (x) | 2.1950% | 4,080 |
| Efficiency ratio | 80.9552% | 2,754 |
| Assets per employee ($millions) | 2.4683% | 7,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 5,917 |
| Loan loss allowance to noncurrent loans | 40.6372% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 3.9537% | 1,673 |
| Noncurrent loans to loans | 2.6968% | 2,855 |
| Net loans and leases to total assets | 78.1819% | 1,337 |
| Net loans and leases to deposits | 91.4758% | 1,968 |
| Net loans and leases to core deposits | 127.2172% | 1,435 |
| Total domestic deposits to total assets | 85.4673% | 3,310 |
| Equity capital to assets | 10.6171% | 3,052 |
| Core capital (leverage) ratio | 10.3976% | 2,691 |
| Tier 1 risk-based capital ratio | 11.7311% | 5,167 |
| Total risk-based capital ratio | 12.7118% | 5,398 |
| Memoranda: | ||
| Average total assets | $83,308,400 | 5,616 |
| Average earning assets | $75,201,600 | 5,630 |
| Average equity | $8,621,000 | 5,725 |
| Average total loans | $65,601,600 | 5,038 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3520% | 1,024 |
| Cost of funding earning assets | 1.3349% | 6,450 |
| Net interest margin | 5.0172% | 424 |
| Noninterest income to average assets | 1.4206% | 745 |
| Noninterest expense to average assets | 4.9865% | 494 |
| Loan and lease loss provision to assets | 0.4730% | 3,542 |
| Net operating income to assets | 0.5051% | 3,964 |
| Return on assets (ROA) | 0.5051% | 4,052 |
| Pretax return on assets | 0.5051% | 4,507 |
| Return on Equity (ROE) | 4.9129% | 4,003 |
| Retained earnings to average equity (ytd only) | 4.9129% | 2,549 |
| Net charge-offs to loans | 0.6012% | 2,875 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 2.0678% | 4,271 |
| Efficiency ratio | 83.6022% | 2,338 |
| Assets per employee ($millions) | 2.3820% | 7,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 6,132 |
| Loan loss allowance to noncurrent loans | 39.7688% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 3.8084% | 1,696 |
| Noncurrent loans to loans | 2.5771% | 2,928 |
| Net loans and leases to total assets | 79.6975% | 1,234 |
| Net loans and leases to deposits | 92.6926% | 2,117 |
| Net loans and leases to core deposits | 126.5292% | 1,696 |
| Total domestic deposits to total assets | 85.9804% | 2,714 |
| Equity capital to assets | 10.4847% | 3,532 |
| Core capital (leverage) ratio | 10.1786% | 3,085 |
| Tier 1 risk-based capital ratio | 11.5431% | 5,392 |
| Total risk-based capital ratio | 12.4741% | 5,674 |
| Memoranda: | ||
| Average total assets | $83,155,250 | 5,649 |
| Average earning assets | $75,312,500 | 5,660 |
| Average equity | $8,548,750 | 5,804 |
| Average total loans | $65,417,500 | 5,090 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3244% | 1,150 |
| Cost of funding earning assets | 1.4036% | 6,467 |
| Net interest margin | 4.9207% | 516 |
| Noninterest income to average assets | 1.2951% | 909 |
| Noninterest expense to average assets | 4.9420% | 533 |
| Loan and lease loss provision to assets | 0.3009% | 4,156 |
| Net operating income to assets | 0.5079% | 4,060 |
| Return on assets (ROA) | 0.5079% | 4,177 |
| Pretax return on assets | 0.5079% | 4,597 |
| Return on Equity (ROE) | 4.9737% | 4,088 |
| Retained earnings to average equity (ytd only) | 4.9737% | 2,525 |
| Net charge-offs to loans | 0.4811% | 2,906 |
| Credit loss provision to net charge-offs | 80.1282% | 5,195 |
| Earnings coverage of net charge-offs (x) | 2.1538% | 3,997 |
| Efficiency ratio | 85.9355% | 2,237 |
| Assets per employee ($millions) | 2.2999% | 7,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 6,319 |
| Loan loss allowance to noncurrent loans | 34.0228% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 2.3359% | 2,783 |
| Noncurrent loans to loans | 2.9106% | 2,475 |
| Net loans and leases to total assets | 79.4601% | 1,412 |
| Net loans and leases to deposits | 93.9346% | 2,101 |
| Net loans and leases to core deposits | 124.6665% | 1,967 |
| Total domestic deposits to total assets | 84.5909% | 3,452 |
| Equity capital to assets | 10.3243% | 3,596 |
| Core capital (leverage) ratio | 10.0893% | 3,198 |
| Tier 1 risk-based capital ratio | 11.4941% | 5,386 |
| Total risk-based capital ratio | 12.3917% | 5,646 |
| Memoranda: | ||
| Average total assets | $83,084,000 | 5,695 |
| Average earning assets | $75,232,670 | 5,704 |
| Average equity | $8,484,670 | 5,846 |
| Average total loans | $64,846,330 | 5,143 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3099% | 1,270 |
| Cost of funding earning assets | 1.4631% | 6,529 |
| Net interest margin | 4.8468% | 552 |
| Noninterest income to average assets | 1.0958% | 1,245 |
| Noninterest expense to average assets | 4.6667% | 608 |
| Loan and lease loss provision to assets | 0.2884% | 3,648 |
| Net operating income to assets | 0.5191% | 4,346 |
| Return on assets (ROA) | 0.5191% | 4,531 |
| Pretax return on assets | 0.5191% | 5,023 |
| Return on Equity (ROE) | 5.1106% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.1106% | 3,059 |
| Net charge-offs to loans | 0.9743% | 1,377 |
| Credit loss provision to net charge-offs | 38.4615% | 4,837 |
| Earnings coverage of net charge-offs (x) | 1.0769% | 4,225 |
| Efficiency ratio | 85.2502% | 2,168 |
| Assets per employee ($millions) | 2.3754% | 7,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 6,600 |
| Loan loss allowance to noncurrent loans | 52.7159% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 1.3508% | 3,966 |
| Noncurrent loans to loans | 1.7681% | 3,615 |
| Net loans and leases to total assets | 75.6850% | 2,349 |
| Net loans and leases to deposits | 89.2512% | 3,059 |
| Net loans and leases to core deposits | 118.2052% | 2,577 |
| Total domestic deposits to total assets | 84.8000% | 3,302 |
| Equity capital to assets | 10.2252% | 3,742 |
| Core capital (leverage) ratio | 10.1290% | 3,263 |
| Tier 1 risk-based capital ratio | 11.7829% | 5,144 |
| Total risk-based capital ratio | 12.6210% | 5,437 |
| Memoranda: | ||
| Average total assets | $83,228,500 | 5,700 |
| Average earning assets | $75,184,000 | 5,726 |
| Average equity | $8,453,000 | 5,900 |
| Average total loans | $64,046,000 | 5,206 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9277% | 1,319 |
| Cost of funding earning assets | 2.0568% | 6,209 |
| Net interest margin | 4.8709% | 672 |
| Noninterest income to average assets | 1.1426% | 1,185 |
| Noninterest expense to average assets | 4.3250% | 1,015 |
| Loan and lease loss provision to assets | 0.1475% | 5,471 |
| Net operating income to assets | 1.1037% | 2,131 |
| Return on assets (ROA) | 1.1285% | 1,955 |
| Pretax return on assets | 1.1285% | 2,925 |
| Return on Equity (ROE) | 12.1824% | 1,553 |
| Retained earnings to average equity (ytd only) | 8.5506% | 696 |
| Net charge-offs to loans | 0.0301% | 6,401 |
| Credit loss provision to net charge-offs | 625.0000% | 688 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 735 |
| Efficiency ratio | 77.5614% | 2,983 |
| Assets per employee ($millions) | 2.3805% | 7,431 |
| Cash dividends to net income (ytd only)* | 29.8117% | 4,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 5,516 |
| Loan loss allowance to noncurrent loans | 28.4768% | 6,804 |
| Noncurrent assets plus other real estate owned to assets | 2.8997% | 1,603 |
| Noncurrent loans to loans | 3.7413% | 1,339 |
| Net loans and leases to total assets | 76.6800% | 2,452 |
| Net loans and leases to deposits | 92.5029% | 3,053 |
| Net loans and leases to core deposits | 120.4975% | 2,640 |
| Total domestic deposits to total assets | 82.8947% | 3,815 |
| Equity capital to assets | 10.0877% | 3,931 |
| Core capital (leverage) ratio | 9.9944% | 3,454 |
| Tier 1 risk-based capital ratio | 11.6518% | 5,095 |
| Total risk-based capital ratio | 12.6274% | 5,258 |
| Memoranda: | ||
| Average total assets | $84,717,200 | 5,528 |
| Average earning assets | $77,110,600 | 5,541 |
| Average equity | $7,847,400 | 6,148 |
| Average total loans | $66,533,200 | 4,999 |