Home > Pearland State Bank > Performance and Condition Ratios
Pearland State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1802% | 4,491 |
| Cost of funding earning assets | 0.9224% | 3,474 |
| Net interest margin | 2.2578% | 4,281 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.3687% | 4,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1353% | 1,816 |
| Return on assets (ROA) | 1.1353% | 1,799 |
| Pretax return on assets | 1.1353% | 2,301 |
| Return on Equity (ROE) | 31.3600% | 165 |
| Retained earnings to average equity (ytd only) | 7.2848% | 1,795 |
| Net charge-offs to loans | 0.0047% | 2,550 |
| Credit loss provision to net charge-offs | -650.0000% | 4,548 |
| Earnings coverage of net charge-offs (x) | 1,123.5000% | 140 |
| Efficiency ratio | 54.6610% | 3,629 |
| Assets per employee ($millions) | 8.5547% | 1,158 |
| Cash dividends to net income (ytd only)* | 76.7690% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,045 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 22.2900% | 4,385 |
| Net loans and leases to deposits | 23.5900% | 4,407 |
| Net loans and leases to core deposits | 28.7125% | 4,408 |
| Total domestic deposits to total assets | 94.4700% | 82 |
| Equity capital to assets | 5.1876% | 4,383 |
| Core capital (leverage) ratio | 11.6302% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $197,918,000 | 3,003 |
| Average earning assets | $194,703,400 | 2,913 |
| Average equity | $7,165,600 | 4,026 |
| Average total loans | $42,460,800 | 3,959 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1708% | 4,495 |
| Cost of funding earning assets | 0.8501% | 3,400 |
| Net interest margin | 2.3206% | 4,292 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.3541% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2075% | 1,778 |
| Return on assets (ROA) | 1.2075% | 1,764 |
| Pretax return on assets | 1.2075% | 2,282 |
| Return on Equity (ROE) | 37.3600% | 138 |
| Retained earnings to average equity (ytd only) | 1.6653% | 3,803 |
| Net charge-offs to loans | 0.0032% | 2,403 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | 1,795.0000% | 79 |
| Efficiency ratio | 52.8624% | 3,689 |
| Assets per employee ($millions) | 8.1661% | 1,269 |
| Cash dividends to net income (ytd only)* | 95.5432% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 2,267 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 23.6900% | 4,401 |
| Net loans and leases to deposits | 24.2204% | 4,427 |
| Net loans and leases to core deposits | 29.6833% | 4,388 |
| Total domestic deposits to total assets | 97.8300% | 41 |
| Equity capital to assets | 1.7724% | 4,552 |
| Core capital (leverage) ratio | 10.9245% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $198,208,250 | 3,010 |
| Average earning assets | $194,941,750 | 2,919 |
| Average equity | $6,405,250 | 4,124 |
| Average total loans | $41,975,250 | 3,974 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0564% | 4,537 |
| Cost of funding earning assets | 0.7560% | 3,331 |
| Net interest margin | 2.3004% | 4,362 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.3210% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2139% | 1,794 |
| Return on assets (ROA) | 1.2139% | 1,777 |
| Pretax return on assets | 1.2139% | 2,322 |
| Return on Equity (ROE) | 32.9400% | 170 |
| Retained earnings to average equity (ytd only) | -1.7226% | 4,272 |
| Net charge-offs to loans | 0.0098% | 1,837 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | 612.0000% | 238 |
| Efficiency ratio | 52.1127% | 3,763 |
| Assets per employee ($millions) | 8.2520% | 1,207 |
| Cash dividends to net income (ytd only)* | 105.2288% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 1,725 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 20.1800% | 4,457 |
| Net loans and leases to deposits | 21.0703% | 4,469 |
| Net loans and leases to core deposits | 25.7636% | 4,444 |
| Total domestic deposits to total assets | 95.7700% | 66 |
| Equity capital to assets | 3.7910% | 4,521 |
| Core capital (leverage) ratio | 10.7570% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $201,670,667 | 2,991 |
| Average earning assets | $198,403,333 | 2,897 |
| Average equity | $7,430,667 | 4,023 |
| Average total loans | $40,949,667 | 4,003 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9678% | 4,569 |
| Cost of funding earning assets | 0.5836% | 3,429 |
| Net interest margin | 2.3842% | 4,393 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.3151% | 4,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2994% | 1,669 |
| Return on assets (ROA) | 1.2994% | 1,641 |
| Pretax return on assets | 1.2994% | 2,177 |
| Return on Equity (ROE) | 35.7700% | 149 |
| Retained earnings to average equity (ytd only) | 14.7186% | 845 |
| Net charge-offs to loans | -0.0097% | 3,837 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.3008% | 3,911 |
| Assets per employee ($millions) | 9.4924% | 804 |
| Cash dividends to net income (ytd only)* | 58.8502% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 1,773 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 19.2100% | 4,524 |
| Net loans and leases to deposits | 20.0943% | 4,539 |
| Net loans and leases to core deposits | 24.1017% | 4,506 |
| Total domestic deposits to total assets | 95.6000% | 66 |
| Equity capital to assets | 4.1028% | 4,535 |
| Core capital (leverage) ratio | 10.7874% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $203,481,500 | 3,017 |
| Average earning assets | $200,149,500 | 2,928 |
| Average equity | $7,392,000 | 4,079 |
| Average total loans | $41,170,000 | 4,049 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3546% | 4,546 |
| Cost of funding earning assets | 0.2263% | 3,539 |
| Net interest margin | 2.1283% | 4,505 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.2942% | 4,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0765% | 2,278 |
| Return on assets (ROA) | 1.0304% | 2,395 |
| Pretax return on assets | 1.0304% | 2,976 |
| Return on Equity (ROE) | 19.1600% | 549 |
| Retained earnings to average equity (ytd only) | 7.2210% | 2,139 |
| Net charge-offs to loans | -0.1254% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.5906% | 3,738 |
| Assets per employee ($millions) | 8.6143% | 1,048 |
| Cash dividends to net income (ytd only)* | 62.3216% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 1,639 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 20.7400% | 4,545 |
| Net loans and leases to deposits | 21.4705% | 4,564 |
| Net loans and leases to core deposits | 25.0610% | 4,533 |
| Total domestic deposits to total assets | 96.6200% | 61 |
| Equity capital to assets | 3.1373% | 4,600 |
| Core capital (leverage) ratio | 11.0692% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $203,990,600 | 3,027 |
| Average earning assets | $200,630,800 | 2,931 |
| Average equity | $10,968,000 | 3,761 |
| Average total loans | $38,263,600 | 4,095 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2456% | 4,557 |
| Cost of funding earning assets | 0.1735% | 3,584 |
| Net interest margin | 2.0721% | 4,532 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.2875% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0286% | 2,372 |
| Return on assets (ROA) | 1.0286% | 2,341 |
| Pretax return on assets | 1.0286% | 2,940 |
| Return on Equity (ROE) | 17.3800% | 730 |
| Retained earnings to average equity (ytd only) | 3.2356% | 3,717 |
| Net charge-offs to loans | -0.1711% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.5898% | 3,665 |
| Assets per employee ($millions) | 7.9615% | 1,347 |
| Cash dividends to net income (ytd only)* | 81.3880% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 1,448 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 20.1800% | 4,592 |
| Net loans and leases to deposits | 20.4210% | 4,610 |
| Net loans and leases to core deposits | 24.4618% | 4,575 |
| Total domestic deposits to total assets | 98.8300% | 34 |
| Equity capital to assets | 0.8714% | 4,699 |
| Core capital (leverage) ratio | 10.7101% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $205,455,750 | 3,029 |
| Average earning assets | $202,109,000 | 2,937 |
| Average equity | $12,156,000 | 3,696 |
| Average total loans | $37,412,500 | 4,136 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0872% | 4,601 |
| Cost of funding earning assets | 0.1218% | 3,939 |
| Net interest margin | 1.9654% | 4,574 |
| Noninterest income to average assets | 0.2664% | 3,578 |
| Noninterest expense to average assets | 1.2395% | 4,621 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9608% | 2,309 |
| Return on assets (ROA) | 0.9608% | 2,288 |
| Pretax return on assets | 0.9608% | 2,867 |
| Return on Equity (ROE) | 12.9049% | 1,405 |
| Retained earnings to average equity (ytd only) | 2.9260% | 3,469 |
| Net charge-offs to loans | -0.2606% | 4,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3338% | 3,745 |
| Assets per employee ($millions) | 9.1236% | 848 |
| Cash dividends to net income (ytd only)* | 77.3267% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 1,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 17.5812% | 4,668 |
| Net loans and leases to deposits | 18.4375% | 4,681 |
| Net loans and leases to core deposits | 22.5672% | 4,660 |
| Total domestic deposits to total assets | 95.3557% | 116 |
| Equity capital to assets | 4.4131% | 4,573 |
| Core capital (leverage) ratio | 10.5052% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,249,000 | 3,028 |
| Average earning assets | $206,877,000 | 2,939 |
| Average equity | $15,653,000 | 3,436 |
| Average total loans | $36,840,000 | 4,199 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8955% | 4,640 |
| Cost of funding earning assets | 0.0945% | 4,205 |
| Net interest margin | 1.8010% | 4,619 |
| Noninterest income to average assets | 0.2623% | 3,557 |
| Noninterest expense to average assets | 1.2241% | 4,660 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8111% | 2,631 |
| Return on assets (ROA) | 0.8111% | 2,622 |
| Pretax return on assets | 0.8111% | 3,081 |
| Return on Equity (ROE) | 9.1546% | 2,264 |
| Retained earnings to average equity (ytd only) | 2.3516% | 3,446 |
| Net charge-offs to loans | 0.0214% | 1,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 406 |
| Efficiency ratio | 60.1463% | 3,470 |
| Assets per employee ($millions) | 8.5855% | 1,066 |
| Cash dividends to net income (ytd only)* | 74.3119% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 1,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 16.5851% | 4,697 |
| Net loans and leases to deposits | 17.7862% | 4,708 |
| Net loans and leases to core deposits | 20.5014% | 4,695 |
| Total domestic deposits to total assets | 93.2472% | 214 |
| Equity capital to assets | 6.5813% | 4,394 |
| Core capital (leverage) ratio | 10.2899% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,013,500 | 3,001 |
| Average earning assets | $211,658,000 | 2,917 |
| Average equity | $19,050,500 | 3,231 |
| Average total loans | $37,331,500 | 4,203 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9033% | 4,696 |
| Cost of funding earning assets | 0.1152% | 4,273 |
| Net interest margin | 1.7881% | 4,669 |
| Noninterest income to average assets | 0.2570% | 3,838 |
| Noninterest expense to average assets | 1.1754% | 4,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8409% | 3,212 |
| Return on assets (ROA) | 0.8409% | 3,280 |
| Pretax return on assets | 0.8409% | 3,641 |
| Return on Equity (ROE) | 7.1428% | 3,476 |
| Retained earnings to average equity (ytd only) | -0.4534% | 4,541 |
| Net charge-offs to loans | -0.0067% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2943% | 3,400 |
| Assets per employee ($millions) | 8.2842% | 1,181 |
| Cash dividends to net income (ytd only)* | 106.3483% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 2,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 17.6550% | 4,738 |
| Net loans and leases to deposits | 19.9122% | 4,743 |
| Net loans and leases to core deposits | 23.1616% | 4,720 |
| Total domestic deposits to total assets | 88.6642% | 1,696 |
| Equity capital to assets | 11.1310% | 1,709 |
| Core capital (leverage) ratio | 10.8863% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,681,000 | 2,972 |
| Average earning assets | $208,268,800 | 2,893 |
| Average equity | $24,920,200 | 2,857 |
| Average total loans | $45,022,600 | 4,088 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9620% | 4,771 |
| Cost of funding earning assets | 0.1215% | 4,341 |
| Net interest margin | 1.8405% | 4,732 |
| Noninterest income to average assets | 0.2575% | 3,854 |
| Noninterest expense to average assets | 1.1729% | 4,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8952% | 3,262 |
| Return on assets (ROA) | 0.8952% | 3,336 |
| Pretax return on assets | 0.8952% | 3,706 |
| Return on Equity (ROE) | 7.4995% | 3,530 |
| Retained earnings to average equity (ytd only) | -2.5334% | 4,718 |
| Net charge-offs to loans | -0.0057% | 3,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7146% | 3,451 |
| Assets per employee ($millions) | 8.7181% | 983 |
| Cash dividends to net income (ytd only)* | 133.7809% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 3,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 20.5420% | 4,791 |
| Net loans and leases to deposits | 23.3225% | 4,798 |
| Net loans and leases to core deposits | 27.2888% | 4,766 |
| Total domestic deposits to total assets | 88.0780% | 1,795 |
| Equity capital to assets | 11.6448% | 1,579 |
| Core capital (leverage) ratio | 10.6908% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,754,000 | 3,008 |
| Average earning assets | $207,329,500 | 2,923 |
| Average equity | $25,156,500 | 2,874 |
| Average total loans | $46,641,500 | 4,119 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0207% | 4,800 |
| Cost of funding earning assets | 0.1280% | 4,366 |
| Net interest margin | 1.8927% | 4,754 |
| Noninterest income to average assets | 0.2537% | 3,876 |
| Noninterest expense to average assets | 1.1777% | 4,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9382% | 3,101 |
| Return on assets (ROA) | 0.9382% | 3,180 |
| Pretax return on assets | 0.9382% | 3,575 |
| Return on Equity (ROE) | 7.7969% | 3,454 |
| Retained earnings to average equity (ytd only) | -3.7608% | 4,749 |
| Net charge-offs to loans | -0.0042% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6600% | 3,586 |
| Assets per employee ($millions) | 8.3595% | 1,055 |
| Cash dividends to net income (ytd only)* | 148.2341% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 3,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 21.2768% | 4,816 |
| Net loans and leases to deposits | 24.1829% | 4,830 |
| Net loans and leases to core deposits | 28.3059% | 4,799 |
| Total domestic deposits to total assets | 87.9830% | 1,833 |
| Equity capital to assets | 11.7117% | 1,511 |
| Core capital (leverage) ratio | 10.2616% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,260,333 | 3,004 |
| Average earning assets | $207,853,000 | 2,916 |
| Average equity | $25,420,333 | 2,847 |
| Average total loans | $47,688,667 | 4,123 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0413% | 4,830 |
| Cost of funding earning assets | 0.1339% | 4,428 |
| Net interest margin | 1.9073% | 4,768 |
| Noninterest income to average assets | 0.2542% | 3,875 |
| Noninterest expense to average assets | 1.1733% | 4,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9586% | 2,938 |
| Return on assets (ROA) | 0.9586% | 3,032 |
| Pretax return on assets | 0.9586% | 3,479 |
| Return on Equity (ROE) | 7.8633% | 3,369 |
| Retained earnings to average equity (ytd only) | -1.6066% | 4,515 |
| Net charge-offs to loans | -0.0082% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0353% | 3,661 |
| Assets per employee ($millions) | 8.0958% | 1,157 |
| Cash dividends to net income (ytd only)* | 120.4322% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 3,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 22.4501% | 4,835 |
| Net loans and leases to deposits | 25.4415% | 4,842 |
| Net loans and leases to core deposits | 29.5359% | 4,819 |
| Total domestic deposits to total assets | 88.2422% | 1,720 |
| Equity capital to assets | 11.4412% | 1,575 |
| Core capital (leverage) ratio | 10.8348% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,396,500 | 2,991 |
| Average earning assets | $209,087,000 | 2,900 |
| Average equity | $25,892,500 | 2,803 |
| Average total loans | $49,041,000 | 4,117 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5629% | 4,834 |
| Cost of funding earning assets | 0.2534% | 4,359 |
| Net interest margin | 2.3095% | 4,716 |
| Noninterest income to average assets | 0.2839% | 3,789 |
| Noninterest expense to average assets | 1.3403% | 4,860 |
| Loan and lease loss provision to assets | 0.0123% | 4,217 |
| Net operating income to assets | 1.2031% | 1,545 |
| Return on assets (ROA) | 1.3966% | 1,118 |
| Pretax return on assets | 1.3966% | 1,666 |
| Return on Equity (ROE) | 11.0194% | 1,621 |
| Retained earnings to average equity (ytd only) | 1.2971% | 4,108 |
| Net charge-offs to loans | -0.0020% | 3,983 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4435% | 4,353 |
| Assets per employee ($millions) | 7.6373% | 1,198 |
| Cash dividends to net income (ytd only)* | 88.2291% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 3,619 |
| Loan loss allowance to noncurrent loans | 3,231.2500% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,406 |
| Noncurrent loans to loans | 0.0330% | 4,175 |
| Net loans and leases to total assets | 23.2651% | 4,861 |
| Net loans and leases to deposits | 26.8369% | 4,870 |
| Net loans and leases to core deposits | 31.5531% | 4,836 |
| Total domestic deposits to total assets | 86.6905% | 2,079 |
| Equity capital to assets | 12.9851% | 1,092 |
| Core capital (leverage) ratio | 11.6729% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,559,200 | 2,916 |
| Average earning assets | $199,263,600 | 2,828 |
| Average equity | $25,673,000 | 2,755 |
| Average total loans | $50,914,400 | 4,100 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6236% | 4,878 |
| Cost of funding earning assets | 0.2843% | 4,375 |
| Net interest margin | 2.3392% | 4,760 |
| Noninterest income to average assets | 0.2923% | 3,733 |
| Noninterest expense to average assets | 1.3277% | 4,897 |
| Loan and lease loss provision to assets | 0.0164% | 4,123 |
| Net operating income to assets | 1.2490% | 1,489 |
| Return on assets (ROA) | 1.4222% | 1,141 |
| Pretax return on assets | 1.4222% | 1,661 |
| Return on Equity (ROE) | 11.2923% | 1,591 |
| Retained earnings to average equity (ytd only) | -1.8112% | 4,691 |
| Net charge-offs to loans | -0.0026% | 3,920 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1984% | 4,403 |
| Assets per employee ($millions) | 8.3136% | 901 |
| Cash dividends to net income (ytd only)* | 116.0391% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 3,962 |
| Loan loss allowance to noncurrent loans | 361.5385% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 4,076 |
| Noncurrent loans to loans | 0.2582% | 3,379 |
| Net loans and leases to total assets | 27.5017% | 4,859 |
| Net loans and leases to deposits | 31.8350% | 4,881 |
| Net loans and leases to core deposits | 37.7708% | 4,823 |
| Total domestic deposits to total assets | 86.3882% | 1,901 |
| Equity capital to assets | 13.1938% | 1,107 |
| Core capital (leverage) ratio | 11.0373% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,647,500 | 2,906 |
| Average earning assets | $198,349,500 | 2,824 |
| Average equity | $25,397,250 | 2,765 |
| Average total loans | $51,520,250 | 4,101 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6927% | 4,940 |
| Cost of funding earning assets | 0.3206% | 4,396 |
| Net interest margin | 2.3721% | 4,807 |
| Noninterest income to average assets | 0.3015% | 3,659 |
| Noninterest expense to average assets | 1.3620% | 4,920 |
| Loan and lease loss provision to assets | 0.0049% | 4,110 |
| Net operating income to assets | 1.2671% | 1,448 |
| Return on assets (ROA) | 1.3165% | 1,420 |
| Pretax return on assets | 1.3165% | 1,978 |
| Return on Equity (ROE) | 10.6186% | 1,764 |
| Retained earnings to average equity (ytd only) | -3.3084% | 4,678 |
| Net charge-offs to loans | -0.0040% | 3,945 |
| Credit loss provision to net charge-offs | -500.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7073% | 4,380 |
| Assets per employee ($millions) | 8.3130% | 863 |
| Cash dividends to net income (ytd only)* | 131.1562% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 4,181 |
| Loan loss allowance to noncurrent loans | 345.1389% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 4,181 |
| Noncurrent loans to loans | 0.2472% | 3,493 |
| Net loans and leases to total assets | 27.7899% | 4,892 |
| Net loans and leases to deposits | 31.9579% | 4,913 |
| Net loans and leases to core deposits | 37.8231% | 4,857 |
| Total domestic deposits to total assets | 86.9577% | 1,637 |
| Equity capital to assets | 12.6145% | 1,334 |
| Core capital (leverage) ratio | 10.6704% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,354,667 | 2,885 |
| Average earning assets | $198,980,333 | 2,788 |
| Average equity | $25,088,000 | 2,775 |
| Average total loans | $50,230,333 | 4,137 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8299% | 4,994 |
| Cost of funding earning assets | 0.3790% | 4,428 |
| Net interest margin | 2.4510% | 4,848 |
| Noninterest income to average assets | 0.3286% | 3,559 |
| Noninterest expense to average assets | 1.4688% | 4,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2704% | 1,325 |
| Return on assets (ROA) | 1.3706% | 1,136 |
| Pretax return on assets | 1.3706% | 1,651 |
| Return on Equity (ROE) | 11.1564% | 1,369 |
| Retained earnings to average equity (ytd only) | 1.9573% | 3,457 |
| Net charge-offs to loans | -0.0087% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6211% | 4,423 |
| Assets per employee ($millions) | 8.2288% | 681 |
| Cash dividends to net income (ytd only)* | 82.4561% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 3,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 23.1515% | 4,984 |
| Net loans and leases to deposits | 26.5086% | 5,001 |
| Net loans and leases to core deposits | 31.6011% | 4,970 |
| Total domestic deposits to total assets | 87.3356% | 1,409 |
| Equity capital to assets | 12.4169% | 1,784 |
| Core capital (leverage) ratio | 11.4460% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,620,000 | 2,874 |
| Average earning assets | $196,331,000 | 2,770 |
| Average equity | $24,524,000 | 2,806 |
| Average total loans | $46,220,000 | 4,225 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1198% | 5,025 |
| Cost of funding earning assets | 0.3876% | 4,483 |
| Net interest margin | 2.7322% | 4,815 |
| Noninterest income to average assets | 0.3112% | 3,832 |
| Noninterest expense to average assets | 1.4484% | 5,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5497% | 944 |
| Return on assets (ROA) | 1.5670% | 962 |
| Pretax return on assets | 1.5670% | 1,598 |
| Return on Equity (ROE) | 13.6542% | 970 |
| Retained earnings to average equity (ytd only) | 1.2376% | 4,300 |
| Net charge-offs to loans | 0.0386% | 2,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 174.5882% | 434 |
| Efficiency ratio | 48.3107% | 4,819 |
| Assets per employee ($millions) | 7.7408% | 785 |
| Cash dividends to net income (ytd only)* | 90.9364% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 2,910 |
| Loan loss allowance to noncurrent loans | 164.7651% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 3,863 |
| Noncurrent loans to loans | 0.6724% | 2,204 |
| Net loans and leases to total assets | 22.6487% | 5,049 |
| Net loans and leases to deposits | 25.8515% | 5,066 |
| Net loans and leases to core deposits | 31.1747% | 5,039 |
| Total domestic deposits to total assets | 87.6106% | 1,309 |
| Equity capital to assets | 12.1455% | 2,046 |
| Core capital (leverage) ratio | 11.9219% | 1,828 |
| Tier 1 risk-based capital ratio | 32.3302% | 410 |
| Total risk-based capital ratio | 33.0406% | 415 |
| Memoranda: | ||
| Average total assets | $191,518,200 | 2,908 |
| Average earning assets | $188,343,200 | 2,814 |
| Average equity | $21,978,600 | 2,960 |
| Average total loans | $44,014,200 | 4,307 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1700% | 5,101 |
| Cost of funding earning assets | 0.3890% | 4,536 |
| Net interest margin | 2.7810% | 4,872 |
| Noninterest income to average assets | 0.2980% | 3,957 |
| Noninterest expense to average assets | 1.4051% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6277% | 869 |
| Return on assets (ROA) | 1.6508% | 868 |
| Pretax return on assets | 1.6508% | 1,467 |
| Return on Equity (ROE) | 14.6002% | 870 |
| Retained earnings to average equity (ytd only) | -2.2471% | 4,942 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3291% | 4,921 |
| Assets per employee ($millions) | 6.9866% | 1,030 |
| Cash dividends to net income (ytd only)* | 115.3914% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 2,828 |
| Loan loss allowance to noncurrent loans | 3,175.0000% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 4,721 |
| Noncurrent loans to loans | 0.0359% | 4,497 |
| Net loans and leases to total assets | 23.3574% | 5,133 |
| Net loans and leases to deposits | 26.6194% | 5,146 |
| Net loans and leases to core deposits | 31.7429% | 5,124 |
| Total domestic deposits to total assets | 87.7458% | 1,150 |
| Equity capital to assets | 11.9918% | 2,263 |
| Core capital (leverage) ratio | 11.5076% | 2,212 |
| Tier 1 risk-based capital ratio | 31.6190% | 433 |
| Total risk-based capital ratio | 32.3589% | 442 |
| Memoranda: | ||
| Average total assets | $191,017,500 | 2,940 |
| Average earning assets | $187,841,500 | 2,841 |
| Average equity | $21,597,250 | 3,015 |
| Average total loans | $43,937,500 | 4,364 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1699% | 5,159 |
| Cost of funding earning assets | 0.3817% | 4,577 |
| Net interest margin | 2.7883% | 4,941 |
| Noninterest income to average assets | 0.2867% | 4,023 |
| Noninterest expense to average assets | 1.4097% | 5,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6193% | 866 |
| Return on assets (ROA) | 1.6287% | 893 |
| Pretax return on assets | 1.6287% | 1,459 |
| Return on Equity (ROE) | 14.6970% | 829 |
| Retained earnings to average equity (ytd only) | -4.0836% | 5,018 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5404% | 4,965 |
| Assets per employee ($millions) | 7.7088% | 740 |
| Cash dividends to net income (ytd only)* | 127.7849% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 2,989 |
| Loan loss allowance to noncurrent loans | 3,175.0000% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,763 |
| Noncurrent loans to loans | 0.0351% | 4,537 |
| Net loans and leases to total assets | 23.3612% | 5,183 |
| Net loans and leases to deposits | 26.5244% | 5,198 |
| Net loans and leases to core deposits | 31.4789% | 5,166 |
| Total domestic deposits to total assets | 88.0745% | 1,069 |
| Equity capital to assets | 11.6858% | 2,457 |
| Core capital (leverage) ratio | 11.2286% | 2,393 |
| Tier 1 risk-based capital ratio | 30.5955% | 466 |
| Total risk-based capital ratio | 31.3138% | 473 |
| Memoranda: | ||
| Average total assets | $191,810,670 | 2,943 |
| Average earning assets | $188,648,670 | 2,838 |
| Average equity | $21,256,000 | 3,039 |
| Average total loans | $43,727,000 | 4,396 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1465% | 5,224 |
| Cost of funding earning assets | 0.3737% | 4,594 |
| Net interest margin | 2.7728% | 5,010 |
| Noninterest income to average assets | 0.2947% | 3,908 |
| Noninterest expense to average assets | 1.4507% | 5,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5740% | 947 |
| Return on assets (ROA) | 1.5740% | 973 |
| Pretax return on assets | 1.5740% | 1,536 |
| Return on Equity (ROE) | 14.6047% | 838 |
| Retained earnings to average equity (ytd only) | 3.2196% | 3,641 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9613% | 4,943 |
| Assets per employee ($millions) | 7.8213% | 715 |
| Cash dividends to net income (ytd only)* | 77.9548% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 3,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 23.4140% | 5,242 |
| Net loans and leases to deposits | 26.4015% | 5,249 |
| Net loans and leases to core deposits | 31.1059% | 5,227 |
| Total domestic deposits to total assets | 88.6843% | 1,003 |
| Equity capital to assets | 11.1357% | 2,718 |
| Core capital (leverage) ratio | 11.6653% | 2,013 |
| Tier 1 risk-based capital ratio | 30.9662% | 442 |
| Total risk-based capital ratio | 31.6736% | 450 |
| Memoranda: | ||
| Average total assets | $191,355,500 | 2,983 |
| Average earning assets | $188,400,000 | 2,868 |
| Average equity | $20,623,500 | 3,103 |
| Average total loans | $42,825,500 | 4,471 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9086% | 5,261 |
| Cost of funding earning assets | 0.3335% | 4,386 |
| Net interest margin | 2.5751% | 5,171 |
| Noninterest income to average assets | 0.3090% | 4,047 |
| Noninterest expense to average assets | 1.4058% | 5,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4037% | 1,422 |
| Return on assets (ROA) | 1.4085% | 1,390 |
| Pretax return on assets | 1.4085% | 2,104 |
| Return on Equity (ROE) | 13.8935% | 1,071 |
| Retained earnings to average equity (ytd only) | 1.3197% | 4,606 |
| Net charge-offs to loans | -0.0051% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0378% | 4,940 |
| Assets per employee ($millions) | 7.4871% | 798 |
| Cash dividends to net income (ytd only)* | 90.5013% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 2,095 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 20.7572% | 5,301 |
| Net loans and leases to deposits | 23.2095% | 5,310 |
| Net loans and leases to core deposits | 27.5727% | 5,290 |
| Total domestic deposits to total assets | 89.4341% | 685 |
| Equity capital to assets | 10.4035% | 3,279 |
| Core capital (leverage) ratio | 11.9796% | 1,745 |
| Tier 1 risk-based capital ratio | 33.3389% | 355 |
| Total risk-based capital ratio | 34.1062% | 367 |
| Memoranda: | ||
| Average total assets | $188,358,800 | 2,978 |
| Average earning assets | $182,908,200 | 2,888 |
| Average equity | $19,095,200 | 3,173 |
| Average total loans | $39,323,000 | 4,571 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8988% | 5,327 |
| Cost of funding earning assets | 0.3242% | 4,356 |
| Net interest margin | 2.5746% | 5,236 |
| Noninterest income to average assets | 0.3117% | 4,061 |
| Noninterest expense to average assets | 1.3845% | 5,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4191% | 1,420 |
| Return on assets (ROA) | 1.4227% | 1,410 |
| Pretax return on assets | 1.4227% | 2,145 |
| Return on Equity (ROE) | 14.1254% | 1,086 |
| Retained earnings to average equity (ytd only) | -2.7226% | 5,239 |
| Net charge-offs to loans | 0.0034% | 3,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2,012.9850% | 29 |
| Efficiency ratio | 49.3824% | 4,976 |
| Assets per employee ($millions) | 6.9428% | 954 |
| Cash dividends to net income (ytd only)* | 119.2747% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 1,915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 20.5942% | 5,379 |
| Net loans and leases to deposits | 22.8589% | 5,389 |
| Net loans and leases to core deposits | 27.9243% | 5,365 |
| Total domestic deposits to total assets | 90.0926% | 482 |
| Equity capital to assets | 9.6897% | 3,924 |
| Core capital (leverage) ratio | 11.4625% | 2,200 |
| Tier 1 risk-based capital ratio | 32.0835% | 397 |
| Total risk-based capital ratio | 32.8394% | 409 |
| Memoranda: | ||
| Average total assets | $188,654,000 | 2,997 |
| Average earning assets | $182,600,750 | 2,915 |
| Average equity | $19,000,750 | 3,201 |
| Average total loans | $39,313,500 | 4,619 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8636% | 5,386 |
| Cost of funding earning assets | 0.3037% | 4,388 |
| Net interest margin | 2.5600% | 5,296 |
| Noninterest income to average assets | 0.3114% | 4,091 |
| Noninterest expense to average assets | 1.3754% | 5,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4119% | 1,389 |
| Return on assets (ROA) | 1.4046% | 1,428 |
| Pretax return on assets | 1.4046% | 2,127 |
| Return on Equity (ROE) | 13.7818% | 1,136 |
| Retained earnings to average equity (ytd only) | -4.7785% | 5,280 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3438% | 5,059 |
| Assets per employee ($millions) | 7.7829% | 682 |
| Cash dividends to net income (ytd only)* | 134.6726% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 19.3972% | 5,447 |
| Net loans and leases to deposits | 21.5552% | 5,457 |
| Net loans and leases to core deposits | 25.6981% | 5,436 |
| Total domestic deposits to total assets | 89.9882% | 580 |
| Equity capital to assets | 9.8121% | 3,813 |
| Core capital (leverage) ratio | 10.9764% | 2,548 |
| Tier 1 risk-based capital ratio | 31.2931% | 435 |
| Total risk-based capital ratio | 32.0346% | 445 |
| Memoranda: | ||
| Average total assets | $191,368,000 | 2,994 |
| Average earning assets | $185,080,330 | 2,917 |
| Average equity | $19,504,000 | 3,172 |
| Average total loans | $39,858,000 | 4,645 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8001% | 5,457 |
| Cost of funding earning assets | 0.2772% | 4,528 |
| Net interest margin | 2.5229% | 5,377 |
| Noninterest income to average assets | 0.3119% | 4,073 |
| Noninterest expense to average assets | 1.3384% | 5,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4169% | 1,299 |
| Return on assets (ROA) | 1.4025% | 1,340 |
| Pretax return on assets | 1.4025% | 1,988 |
| Return on Equity (ROE) | 13.5178% | 1,131 |
| Retained earnings to average equity (ytd only) | 1.4135% | 4,516 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5757% | 5,169 |
| Assets per employee ($millions) | 7.5747% | 747 |
| Cash dividends to net income (ytd only)* | 89.5434% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 20.4100% | 5,500 |
| Net loans and leases to deposits | 22.6387% | 5,512 |
| Net loans and leases to core deposits | 26.3344% | 5,495 |
| Total domestic deposits to total assets | 90.1550% | 600 |
| Equity capital to assets | 9.7013% | 3,882 |
| Core capital (leverage) ratio | 11.1574% | 2,272 |
| Tier 1 risk-based capital ratio | 30.8182% | 445 |
| Total risk-based capital ratio | 31.5305% | 457 |
| Memoranda: | ||
| Average total assets | $193,657,000 | 2,995 |
| Average earning assets | $187,562,500 | 2,913 |
| Average equity | $20,092,000 | 3,148 |
| Average total loans | $41,418,000 | 4,652 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7474% | 5,477 |
| Cost of funding earning assets | 0.2122% | 4,852 |
| Net interest margin | 2.5352% | 5,389 |
| Noninterest income to average assets | 0.3384% | 4,051 |
| Noninterest expense to average assets | 1.4410% | 5,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3543% | 1,110 |
| Return on assets (ROA) | 1.3928% | 1,057 |
| Pretax return on assets | 1.3928% | 2,021 |
| Return on Equity (ROE) | 12.3192% | 1,122 |
| Retained earnings to average equity (ytd only) | 2.1550% | 4,029 |
| Net charge-offs to loans | 0.0166% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 361.2857% | 242 |
| Efficiency ratio | 51.5517% | 5,135 |
| Assets per employee ($millions) | 7.9321% | 652 |
| Cash dividends to net income (ytd only)* | 82.5067% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 21.8668% | 5,559 |
| Net loans and leases to deposits | 24.6303% | 5,566 |
| Net loans and leases to core deposits | 28.2025% | 5,547 |
| Total domestic deposits to total assets | 88.7798% | 1,103 |
| Equity capital to assets | 11.0721% | 2,562 |
| Core capital (leverage) ratio | 11.8381% | 1,701 |
| Tier 1 risk-based capital ratio | 32.7520% | 379 |
| Total risk-based capital ratio | 33.5114% | 384 |
| Memoranda: | ||
| Average total assets | $186,739,800 | 3,054 |
| Average earning assets | $180,970,800 | 2,955 |
| Average equity | $21,113,400 | 3,027 |
| Average total loans | $42,253,600 | 4,661 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7713% | 5,529 |
| Cost of funding earning assets | 0.2072% | 4,915 |
| Net interest margin | 2.5641% | 5,428 |
| Noninterest income to average assets | 0.3422% | 4,088 |
| Noninterest expense to average assets | 1.4407% | 5,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3876% | 1,119 |
| Return on assets (ROA) | 1.4385% | 1,025 |
| Pretax return on assets | 1.4385% | 1,976 |
| Return on Equity (ROE) | 12.6562% | 1,135 |
| Retained earnings to average equity (ytd only) | -0.8901% | 5,338 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9386% | 5,183 |
| Assets per employee ($millions) | 7.0048% | 952 |
| Cash dividends to net income (ytd only)* | 107.0322% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 2,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 23.4080% | 5,610 |
| Net loans and leases to deposits | 26.6430% | 5,620 |
| Net loans and leases to core deposits | 30.1150% | 5,598 |
| Total domestic deposits to total assets | 87.8579% | 1,441 |
| Equity capital to assets | 11.9198% | 2,018 |
| Core capital (leverage) ratio | 11.6674% | 1,907 |
| Tier 1 risk-based capital ratio | 32.9295% | 386 |
| Total risk-based capital ratio | 33.7253% | 389 |
| Memoranda: | ||
| Average total assets | $185,832,000 | 3,087 |
| Average earning assets | $180,177,250 | 2,991 |
| Average equity | $21,122,250 | 3,053 |
| Average total loans | $42,283,500 | 4,707 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8066% | 5,554 |
| Cost of funding earning assets | 0.1976% | 5,007 |
| Net interest margin | 2.6090% | 5,430 |
| Noninterest income to average assets | 0.3389% | 4,125 |
| Noninterest expense to average assets | 1.4273% | 5,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4391% | 977 |
| Return on assets (ROA) | 1.4391% | 1,008 |
| Pretax return on assets | 1.4391% | 1,861 |
| Return on Equity (ROE) | 12.8640% | 1,075 |
| Retained earnings to average equity (ytd only) | -2.5804% | 5,388 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7949% | 5,319 |
| Assets per employee ($millions) | 7.2184% | 839 |
| Cash dividends to net income (ytd only)* | 120.0594% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 3,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 22.4788% | 5,664 |
| Net loans and leases to deposits | 25.4686% | 5,676 |
| Net loans and leases to core deposits | 29.1525% | 5,656 |
| Total domestic deposits to total assets | 88.2608% | 1,325 |
| Equity capital to assets | 11.5602% | 2,263 |
| Core capital (leverage) ratio | 11.2168% | 2,209 |
| Tier 1 risk-based capital ratio | 31.7310% | 415 |
| Total risk-based capital ratio | 32.5026% | 420 |
| Memoranda: | ||
| Average total assets | $187,067,330 | 3,086 |
| Average earning assets | $181,218,000 | 2,990 |
| Average equity | $20,926,670 | 3,067 |
| Average total loans | $41,996,330 | 4,744 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9703% | 5,487 |
| Cost of funding earning assets | 0.1923% | 5,041 |
| Net interest margin | 2.7780% | 5,287 |
| Noninterest income to average assets | 0.3384% | 4,143 |
| Noninterest expense to average assets | 1.4221% | 5,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6085% | 665 |
| Return on assets (ROA) | 1.6085% | 682 |
| Pretax return on assets | 1.6085% | 1,210 |
| Return on Equity (ROE) | 14.6237% | 696 |
| Retained earnings to average equity (ytd only) | -6.6985% | 5,478 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9258% | 5,500 |
| Assets per employee ($millions) | 7.3354% | 810 |
| Cash dividends to net income (ytd only)* | 145.8056% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 3,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 22.2487% | 5,725 |
| Net loans and leases to deposits | 25.0251% | 5,735 |
| Net loans and leases to core deposits | 28.4699% | 5,712 |
| Total domestic deposits to total assets | 88.9058% | 1,192 |
| Equity capital to assets | 10.9448% | 2,691 |
| Core capital (leverage) ratio | 11.2097% | 2,175 |
| Tier 1 risk-based capital ratio | 31.4890% | 433 |
| Total risk-based capital ratio | 32.2574% | 443 |
| Memoranda: | ||
| Average total assets | $186,761,500 | 3,123 |
| Average earning assets | $180,992,500 | 3,021 |
| Average equity | $20,542,000 | 3,120 |
| Average total loans | $41,644,000 | 4,801 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4928% | 5,758 |
| Cost of funding earning assets | 0.1821% | 5,188 |
| Net interest margin | 2.3107% | 5,706 |
| Noninterest income to average assets | 0.3427% | 4,286 |
| Noninterest expense to average assets | 1.4641% | 5,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1046% | 1,885 |
| Return on assets (ROA) | 1.1766% | 1,684 |
| Pretax return on assets | 1.1766% | 2,771 |
| Return on Equity (ROE) | 9.7372% | 2,086 |
| Retained earnings to average equity (ytd only) | 0.8290% | 4,994 |
| Net charge-offs to loans | 0.0834% | 2,498 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 63.7500% | 853 |
| Efficiency ratio | 56.9983% | 4,953 |
| Assets per employee ($millions) | 7.3121% | 794 |
| Cash dividends to net income (ytd only)* | 91.4864% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 2,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 21.7881% | 5,787 |
| Net loans and leases to deposits | 24.5428% | 5,797 |
| Net loans and leases to core deposits | 28.2099% | 5,773 |
| Total domestic deposits to total assets | 88.7758% | 1,214 |
| Equity capital to assets | 11.0557% | 2,585 |
| Core capital (leverage) ratio | 11.7005% | 1,788 |
| Tier 1 risk-based capital ratio | 33.4549% | 363 |
| Total risk-based capital ratio | 34.2582% | 370 |
| Memoranda: | ||
| Average total assets | $184,687,000 | 3,112 |
| Average earning assets | $177,915,200 | 3,035 |
| Average equity | $22,316,400 | 2,961 |
| Average total loans | $38,351,800 | 4,934 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5287% | 5,816 |
| Cost of funding earning assets | 0.1796% | 5,266 |
| Net interest margin | 2.3491% | 5,752 |
| Noninterest income to average assets | 0.3334% | 4,399 |
| Noninterest expense to average assets | 1.4531% | 5,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1406% | 1,847 |
| Return on assets (ROA) | 1.2364% | 1,598 |
| Pretax return on assets | 1.2364% | 2,675 |
| Return on Equity (ROE) | 10.0218% | 2,045 |
| Retained earnings to average equity (ytd only) | -1.5818% | 5,562 |
| Net charge-offs to loans | 0.1127% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 49.4950% | 1,084 |
| Efficiency ratio | 56.0244% | 5,064 |
| Assets per employee ($millions) | 7.5265% | 713 |
| Cash dividends to net income (ytd only)* | 115.7831% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 20.6061% | 5,860 |
| Net loans and leases to deposits | 23.5286% | 5,873 |
| Net loans and leases to core deposits | 27.0754% | 5,852 |
| Total domestic deposits to total assets | 87.5789% | 1,625 |
| Equity capital to assets | 12.2181% | 1,971 |
| Core capital (leverage) ratio | 11.2932% | 2,194 |
| Tier 1 risk-based capital ratio | 31.2786% | 435 |
| Total risk-based capital ratio | 32.0460% | 451 |
| Memoranda: | ||
| Average total assets | $185,158,250 | 3,115 |
| Average earning assets | $178,163,500 | 3,041 |
| Average equity | $22,843,000 | 2,931 |
| Average total loans | $37,854,250 | 4,995 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5665% | 5,883 |
| Cost of funding earning assets | 0.1773% | 5,352 |
| Net interest margin | 2.3892% | 5,818 |
| Noninterest income to average assets | 0.3312% | 4,409 |
| Noninterest expense to average assets | 1.4672% | 5,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1621% | 1,728 |
| Return on assets (ROA) | 1.2250% | 1,612 |
| Pretax return on assets | 1.2250% | 2,684 |
| Return on Equity (ROE) | 9.8973% | 2,097 |
| Retained earnings to average equity (ytd only) | -2.7902% | 5,609 |
| Net charge-offs to loans | 0.1659% | 1,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 34.5161% | 1,273 |
| Efficiency ratio | 55.8034% | 5,162 |
| Assets per employee ($millions) | 7.1982% | 808 |
| Cash dividends to net income (ytd only)* | 128.1915% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 2,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 19.3210% | 5,947 |
| Net loans and leases to deposits | 22.0909% | 5,960 |
| Net loans and leases to core deposits | 25.5378% | 5,942 |
| Total domestic deposits to total assets | 87.4611% | 1,685 |
| Equity capital to assets | 12.3679% | 1,857 |
| Core capital (leverage) ratio | 11.3204% | 2,127 |
| Tier 1 risk-based capital ratio | 34.8616% | 338 |
| Total risk-based capital ratio | 35.7205% | 340 |
| Memoranda: | ||
| Average total assets | $184,156,670 | 3,144 |
| Average earning assets | $177,127,000 | 3,071 |
| Average equity | $22,794,000 | 2,940 |
| Average total loans | $37,377,000 | 5,064 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6445% | 5,924 |
| Cost of funding earning assets | 0.1731% | 5,443 |
| Net interest margin | 2.4714% | 5,828 |
| Noninterest income to average assets | 0.3372% | 4,321 |
| Noninterest expense to average assets | 1.5373% | 5,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1760% | 1,629 |
| Return on assets (ROA) | 1.3030% | 1,328 |
| Pretax return on assets | 1.3030% | 2,289 |
| Return on Equity (ROE) | 10.5228% | 1,772 |
| Retained earnings to average equity (ytd only) | 2.8474% | 4,087 |
| Net charge-offs to loans | -0.0212% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6586% | 5,134 |
| Assets per employee ($millions) | 7.7153% | 633 |
| Cash dividends to net income (ytd only)* | 72.9412% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 2,354 |
| Loan loss allowance to noncurrent loans | 94.8007% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 4,328 |
| Noncurrent loans to loans | 1.4936% | 1,575 |
| Net loans and leases to total assets | 20.5673% | 5,985 |
| Net loans and leases to deposits | 23.5242% | 5,994 |
| Net loans and leases to core deposits | 27.4313% | 5,968 |
| Total domestic deposits to total assets | 87.4303% | 1,971 |
| Equity capital to assets | 12.4131% | 1,736 |
| Core capital (leverage) ratio | 11.6844% | 1,838 |
| Tier 1 risk-based capital ratio | 35.2416% | 325 |
| Total risk-based capital ratio | 36.1448% | 333 |
| Memoranda: | ||
| Average total assets | $182,658,000 | 3,174 |
| Average earning assets | $175,606,500 | 3,096 |
| Average equity | $22,617,500 | 2,963 |
| Average total loans | $37,728,500 | 5,090 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5427% | 5,983 |
| Cost of funding earning assets | 0.1735% | 5,511 |
| Net interest margin | 2.3692% | 5,908 |
| Noninterest income to average assets | 0.3426% | 4,462 |
| Noninterest expense to average assets | 1.4401% | 6,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1659% | 1,683 |
| Return on assets (ROA) | 1.2004% | 1,620 |
| Pretax return on assets | 1.2004% | 2,658 |
| Return on Equity (ROE) | 9.6215% | 2,166 |
| Retained earnings to average equity (ytd only) | 0.5484% | 5,298 |
| Net charge-offs to loans | -0.0149% | 5,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2615% | 5,411 |
| Assets per employee ($millions) | 6.2120% | 1,250 |
| Cash dividends to net income (ytd only)* | 94.3003% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 2,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 20.1396% | 6,047 |
| Net loans and leases to deposits | 23.0163% | 6,058 |
| Net loans and leases to core deposits | 25.9052% | 6,044 |
| Total domestic deposits to total assets | 87.5014% | 1,882 |
| Equity capital to assets | 12.3510% | 1,702 |
| Core capital (leverage) ratio | 12.0460% | 1,592 |
| Tier 1 risk-based capital ratio | 36.3259% | 298 |
| Total risk-based capital ratio | 37.2606% | 304 |
| Memoranda: | ||
| Average total assets | $179,779,600 | 3,177 |
| Average earning assets | $171,747,200 | 3,099 |
| Average equity | $22,429,000 | 2,922 |
| Average total loans | $33,646,400 | 5,240 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5469% | 6,067 |
| Cost of funding earning assets | 0.1741% | 5,596 |
| Net interest margin | 2.3728% | 5,987 |
| Noninterest income to average assets | 0.3436% | 4,475 |
| Noninterest expense to average assets | 1.4091% | 6,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1991% | 1,655 |
| Return on assets (ROA) | 1.2451% | 1,563 |
| Pretax return on assets | 1.2451% | 2,628 |
| Return on Equity (ROE) | 9.9551% | 2,123 |
| Retained earnings to average equity (ytd only) | -2.1180% | 5,867 |
| Net charge-offs to loans | -0.0203% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0256% | 5,513 |
| Assets per employee ($millions) | 6.2754% | 1,189 |
| Cash dividends to net income (ytd only)* | 121.2754% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 1,760 |
| Loan loss allowance to noncurrent loans | 89.1980% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 4,383 |
| Noncurrent loans to loans | 1.8034% | 1,317 |
| Net loans and leases to total assets | 18.9721% | 6,151 |
| Net loans and leases to deposits | 21.8095% | 6,163 |
| Net loans and leases to core deposits | 24.6193% | 6,143 |
| Total domestic deposits to total assets | 86.9900% | 2,044 |
| Equity capital to assets | 12.8131% | 1,554 |
| Core capital (leverage) ratio | 11.7772% | 1,836 |
| Tier 1 risk-based capital ratio | 36.4883% | 313 |
| Total risk-based capital ratio | 37.4489% | 318 |
| Memoranda: | ||
| Average total assets | $179,687,500 | 3,192 |
| Average earning assets | $171,496,750 | 3,126 |
| Average equity | $22,473,750 | 2,943 |
| Average total loans | $32,851,500 | 5,326 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5717% | 6,130 |
| Cost of funding earning assets | 0.1762% | 5,643 |
| Net interest margin | 2.3955% | 6,043 |
| Noninterest income to average assets | 0.3348% | 4,562 |
| Noninterest expense to average assets | 1.4275% | 6,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1911% | 1,626 |
| Return on assets (ROA) | 1.2386% | 1,566 |
| Pretax return on assets | 1.2386% | 2,612 |
| Return on Equity (ROE) | 9.9820% | 2,079 |
| Retained earnings to average equity (ytd only) | -3.7310% | 5,959 |
| Net charge-offs to loans | -0.0308% | 5,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5148% | 5,543 |
| Assets per employee ($millions) | 7.1291% | 791 |
| Cash dividends to net income (ytd only)* | 137.3773% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 1,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 18.0882% | 6,230 |
| Net loans and leases to deposits | 20.6406% | 6,243 |
| Net loans and leases to core deposits | 23.1547% | 6,224 |
| Total domestic deposits to total assets | 87.6337% | 1,827 |
| Equity capital to assets | 12.1682% | 1,904 |
| Core capital (leverage) ratio | 11.3653% | 2,107 |
| Tier 1 risk-based capital ratio | 35.7874% | 344 |
| Total risk-based capital ratio | 36.7323% | 351 |
| Memoranda: | ||
| Average total assets | $181,013,000 | 3,203 |
| Average earning assets | $172,572,000 | 3,129 |
| Average equity | $22,460,330 | 2,957 |
| Average total loans | $32,508,330 | 5,389 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6406% | 6,161 |
| Cost of funding earning assets | 0.1751% | 5,724 |
| Net interest margin | 2.4655% | 6,055 |
| Noninterest income to average assets | 0.3267% | 4,574 |
| Noninterest expense to average assets | 1.4320% | 6,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2412% | 1,430 |
| Return on assets (ROA) | 1.2412% | 1,515 |
| Pretax return on assets | 1.2412% | 2,508 |
| Return on Equity (ROE) | 9.9094% | 2,045 |
| Retained earnings to average equity (ytd only) | 0.5953% | 5,195 |
| Net charge-offs to loans | -0.0618% | 5,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5685% | 5,713 |
| Assets per employee ($millions) | 7.1791% | 790 |
| Cash dividends to net income (ytd only)* | 93.9929% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 1,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 16.5476% | 6,309 |
| Net loans and leases to deposits | 18.9448% | 6,316 |
| Net loans and leases to core deposits | 21.0657% | 6,301 |
| Total domestic deposits to total assets | 87.3462% | 2,190 |
| Equity capital to assets | 12.4679% | 1,710 |
| Core capital (leverage) ratio | 11.6653% | 1,878 |
| Tier 1 risk-based capital ratio | 38.6340% | 277 |
| Total risk-based capital ratio | 39.6322% | 277 |
| Memoranda: | ||
| Average total assets | $182,406,000 | 3,209 |
| Average earning assets | $173,596,500 | 3,129 |
| Average equity | $22,847,000 | 2,942 |
| Average total loans | $32,371,000 | 5,427 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8150% | 6,195 |
| Cost of funding earning assets | 0.1946% | 5,788 |
| Net interest margin | 2.6204% | 6,042 |
| Noninterest income to average assets | 0.3865% | 4,287 |
| Noninterest expense to average assets | 1.4554% | 6,322 |
| Loan and lease loss provision to assets | 0.0006% | 4,598 |
| Net operating income to assets | 1.4297% | 1,020 |
| Return on assets (ROA) | 1.4645% | 982 |
| Pretax return on assets | 1.4645% | 1,674 |
| Return on Equity (ROE) | 11.7655% | 1,473 |
| Retained earnings to average equity (ytd only) | -0.0459% | 5,774 |
| Net charge-offs to loans | 0.0205% | 4,437 |
| Credit loss provision to net charge-offs | 14.2857% | 4,049 |
| Earnings coverage of net charge-offs (x) | 357.8571% | 151 |
| Efficiency ratio | 50.4353% | 6,071 |
| Assets per employee ($millions) | 6.5984% | 1,004 |
| Cash dividends to net income (ytd only)* | 100.3899% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 2,026 |
| Loan loss allowance to noncurrent loans | 200.7435% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 5,424 |
| Noncurrent loans to loans | 0.8076% | 3,291 |
| Net loans and leases to total assets | 18.3940% | 6,387 |
| Net loans and leases to deposits | 21.0828% | 6,393 |
| Net loans and leases to core deposits | 23.5747% | 6,376 |
| Total domestic deposits to total assets | 87.2466% | 2,149 |
| Equity capital to assets | 12.5856% | 1,590 |
| Core capital (leverage) ratio | 12.0667% | 1,580 |
| Tier 1 risk-based capital ratio | 33.3862% | 383 |
| Total risk-based capital ratio | 34.2423% | 391 |
| Memoranda: | ||
| Average total assets | $175,145,000 | 3,269 |
| Average earning assets | $167,033,200 | 3,195 |
| Average equity | $21,801,000 | 2,973 |
| Average total loans | $34,155,400 | 5,391 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8553% | 6,244 |
| Cost of funding earning assets | 0.1993% | 5,838 |
| Net interest margin | 2.6560% | 6,064 |
| Noninterest income to average assets | 0.3884% | 4,331 |
| Noninterest expense to average assets | 1.4106% | 6,397 |
| Loan and lease loss provision to assets | 0.0008% | 4,395 |
| Net operating income to assets | 1.5138% | 913 |
| Return on assets (ROA) | 1.5138% | 946 |
| Pretax return on assets | 1.5138% | 1,603 |
| Return on Equity (ROE) | 12.1961% | 1,426 |
| Retained earnings to average equity (ytd only) | -3.6650% | 6,188 |
| Net charge-offs to loans | -0.0039% | 5,262 |
| Credit loss provision to net charge-offs | -100.0000% | 5,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2227% | 6,190 |
| Assets per employee ($millions) | 6.7108% | 905 |
| Cash dividends to net income (ytd only)* | 130.0508% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 2,731 |
| Loan loss allowance to noncurrent loans | 27,400.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 6,213 |
| Noncurrent loans to loans | 0.0055% | 6,022 |
| Net loans and leases to total assets | 20.6688% | 6,439 |
| Net loans and leases to deposits | 23.6881% | 6,451 |
| Net loans and leases to core deposits | 26.9717% | 6,423 |
| Total domestic deposits to total assets | 87.2541% | 2,176 |
| Equity capital to assets | 12.5029% | 1,702 |
| Core capital (leverage) ratio | 11.6472% | 1,946 |
| Tier 1 risk-based capital ratio | 31.5334% | 457 |
| Total risk-based capital ratio | 32.3774% | 468 |
| Memoranda: | ||
| Average total assets | $174,392,250 | 3,301 |
| Average earning assets | $166,564,250 | 3,227 |
| Average equity | $21,645,750 | 2,989 |
| Average total loans | $34,366,750 | 5,437 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8640% | 6,286 |
| Cost of funding earning assets | 0.2029% | 5,884 |
| Net interest margin | 2.6611% | 6,099 |
| Noninterest income to average assets | 0.3854% | 4,360 |
| Noninterest expense to average assets | 1.4212% | 6,457 |
| Loan and lease loss provision to assets | 0.0011% | 4,186 |
| Net operating income to assets | 1.5061% | 858 |
| Return on assets (ROA) | 1.5061% | 894 |
| Pretax return on assets | 1.5061% | 1,518 |
| Return on Equity (ROE) | 12.1634% | 1,374 |
| Retained earnings to average equity (ytd only) | -6.2346% | 6,305 |
| Net charge-offs to loans | -0.0059% | 5,205 |
| Credit loss provision to net charge-offs | -100.0000% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5311% | 6,257 |
| Assets per employee ($millions) | 6.5105% | 1,002 |
| Cash dividends to net income (ytd only)* | 151.2567% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 2,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 19.0957% | 6,523 |
| Net loans and leases to deposits | 21.8847% | 6,536 |
| Net loans and leases to core deposits | 25.4454% | 6,500 |
| Total domestic deposits to total assets | 87.2559% | 2,320 |
| Equity capital to assets | 12.5103% | 1,633 |
| Core capital (leverage) ratio | 11.4647% | 2,035 |
| Tier 1 risk-based capital ratio | 32.0224% | 447 |
| Total risk-based capital ratio | 32.8827% | 450 |
| Memoranda: | ||
| Average total assets | $174,363,000 | 3,314 |
| Average earning assets | $166,620,330 | 3,240 |
| Average equity | $21,589,330 | 2,990 |
| Average total loans | $33,618,670 | 5,512 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8772% | 6,342 |
| Cost of funding earning assets | 0.2045% | 5,954 |
| Net interest margin | 2.6727% | 6,137 |
| Noninterest income to average assets | 0.3893% | 4,278 |
| Noninterest expense to average assets | 1.4742% | 6,509 |
| Loan and lease loss provision to assets | 0.0023% | 3,794 |
| Net operating income to assets | 1.4719% | 860 |
| Return on assets (ROA) | 1.4719% | 888 |
| Pretax return on assets | 1.4719% | 1,511 |
| Return on Equity (ROE) | 11.9503% | 1,420 |
| Retained earnings to average equity (ytd only) | -3.0484% | 5,965 |
| Net charge-offs to loans | -0.0120% | 5,122 |
| Credit loss provision to net charge-offs | -100.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 6,255 |
| Assets per employee ($millions) | 6.8890% | 847 |
| Cash dividends to net income (ytd only)* | 125.5086% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 2,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 19.1967% | 6,588 |
| Net loans and leases to deposits | 21.8884% | 6,601 |
| Net loans and leases to core deposits | 25.4696% | 6,561 |
| Total domestic deposits to total assets | 87.7028% | 2,403 |
| Equity capital to assets | 12.0705% | 1,823 |
| Core capital (leverage) ratio | 11.9390% | 1,687 |
| Tier 1 risk-based capital ratio | 32.5953% | 423 |
| Total risk-based capital ratio | 33.4497% | 434 |
| Memoranda: | ||
| Average total assets | $173,653,000 | 3,353 |
| Average earning assets | $166,271,000 | 3,264 |
| Average equity | $21,388,500 | 3,007 |
| Average total loans | $33,370,500 | 5,575 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8823% | 6,439 |
| Cost of funding earning assets | 0.2211% | 6,172 |
| Net interest margin | 2.6612% | 6,191 |
| Noninterest income to average assets | 0.5581% | 3,348 |
| Noninterest expense to average assets | 1.6940% | 6,454 |
| Loan and lease loss provision to assets | 0.0054% | 5,019 |
| Net operating income to assets | 1.3921% | 1,037 |
| Return on assets (ROA) | 1.6134% | 692 |
| Pretax return on assets | 1.6134% | 1,136 |
| Return on Equity (ROE) | 11.9028% | 1,447 |
| Retained earnings to average equity (ytd only) | 2.3468% | 4,573 |
| Net charge-offs to loans | 0.0265% | 4,892 |
| Credit loss provision to net charge-offs | 112.5000% | 2,144 |
| Earnings coverage of net charge-offs (x) | 290.5000% | 155 |
| Efficiency ratio | 54.7948% | 6,072 |
| Assets per employee ($millions) | 5.6064% | 1,556 |
| Cash dividends to net income (ytd only)* | 80.2833% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7165% | 2,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 18.5877% | 6,684 |
| Net loans and leases to deposits | 21.3315% | 6,694 |
| Net loans and leases to core deposits | 23.9613% | 6,668 |
| Total domestic deposits to total assets | 87.1373% | 2,652 |
| Equity capital to assets | 12.5791% | 1,475 |
| Core capital (leverage) ratio | 12.6252% | 1,294 |
| Tier 1 risk-based capital ratio | 34.3478% | 355 |
| Total risk-based capital ratio | 35.2379% | 359 |
| Memoranda: | ||
| Average total assets | $166,291,400 | 3,469 |
| Average earning assets | $158,313,400 | 3,372 |
| Average equity | $22,541,000 | 2,872 |
| Average total loans | $30,236,800 | 5,752 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8531% | 6,530 |
| Cost of funding earning assets | 0.2249% | 6,263 |
| Net interest margin | 2.6282% | 6,282 |
| Noninterest income to average assets | 0.5830% | 3,257 |
| Noninterest expense to average assets | 1.6797% | 6,491 |
| Loan and lease loss provision to assets | 0.0064% | 4,848 |
| Net operating income to assets | 1.3959% | 1,112 |
| Return on assets (ROA) | 1.4715% | 1,000 |
| Pretax return on assets | 1.4715% | 1,696 |
| Return on Equity (ROE) | 10.6608% | 1,935 |
| Retained earnings to average equity (ytd only) | -1.8875% | 6,253 |
| Net charge-offs to loans | 0.0313% | 4,510 |
| Credit loss provision to net charge-offs | 114.2857% | 2,056 |
| Earnings coverage of net charge-offs (x) | 249.2262% | 238 |
| Efficiency ratio | 54.5004% | 6,058 |
| Assets per employee ($millions) | 5.6886% | 1,462 |
| Cash dividends to net income (ytd only)* | 117.7049% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7895% | 2,337 |
| Loan loss allowance to noncurrent loans | 13,650.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,524 |
| Noncurrent loans to loans | 0.0131% | 6,326 |
| Net loans and leases to total assets | 18.1646% | 6,769 |
| Net loans and leases to deposits | 20.9780% | 6,779 |
| Net loans and leases to core deposits | 23.6510% | 6,763 |
| Total domestic deposits to total assets | 86.5890% | 2,916 |
| Equity capital to assets | 13.0964% | 1,287 |
| Core capital (leverage) ratio | 12.3755% | 1,484 |
| Tier 1 risk-based capital ratio | 34.3191% | 361 |
| Total risk-based capital ratio | 35.2460% | 362 |
| Memoranda: | ||
| Average total assets | $165,816,250 | 3,508 |
| Average earning assets | $157,670,500 | 3,414 |
| Average equity | $22,887,000 | 2,865 |
| Average total loans | $29,843,750 | 5,823 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9010% | 6,533 |
| Cost of funding earning assets | 0.2270% | 6,330 |
| Net interest margin | 2.6740% | 6,219 |
| Noninterest income to average assets | 0.6093% | 3,138 |
| Noninterest expense to average assets | 1.7146% | 6,484 |
| Loan and lease loss provision to assets | 0.0072% | 4,703 |
| Net operating income to assets | 1.4269% | 1,021 |
| Return on assets (ROA) | 1.5400% | 900 |
| Pretax return on assets | 1.5400% | 1,508 |
| Return on Equity (ROE) | 10.9718% | 1,816 |
| Retained earnings to average equity (ytd only) | -3.4828% | 6,356 |
| Net charge-offs to loans | 0.0338% | 4,213 |
| Credit loss provision to net charge-offs | 120.0000% | 1,854 |
| Earnings coverage of net charge-offs (x) | 238.2000% | 217 |
| Efficiency ratio | 54.4551% | 6,109 |
| Assets per employee ($millions) | 6.0453% | 1,173 |
| Cash dividends to net income (ytd only)* | 131.7435% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8863% | 2,154 |
| Loan loss allowance to noncurrent loans | 510.2804% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 6,304 |
| Noncurrent loans to loans | 0.3697% | 5,353 |
| Net loans and leases to total assets | 17.3994% | 6,825 |
| Net loans and leases to deposits | 20.0176% | 6,836 |
| Net loans and leases to core deposits | 22.2576% | 6,821 |
| Total domestic deposits to total assets | 86.9204% | 2,865 |
| Equity capital to assets | 12.7524% | 1,437 |
| Core capital (leverage) ratio | 11.9486% | 1,639 |
| Tier 1 risk-based capital ratio | 34.4961% | 352 |
| Total risk-based capital ratio | 35.4316% | 356 |
| Memoranda: | ||
| Average total assets | $166,098,670 | 3,526 |
| Average earning assets | $157,741,330 | 3,434 |
| Average equity | $23,314,330 | 2,833 |
| Average total loans | $29,621,000 | 5,862 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9171% | 6,593 |
| Cost of funding earning assets | 0.2316% | 6,403 |
| Net interest margin | 2.6856% | 6,240 |
| Noninterest income to average assets | 0.5085% | 3,720 |
| Noninterest expense to average assets | 1.7166% | 6,541 |
| Loan and lease loss provision to assets | 0.0119% | 4,302 |
| Net operating income to assets | 1.3275% | 1,213 |
| Return on assets (ROA) | 1.3537% | 1,236 |
| Pretax return on assets | 1.3537% | 2,029 |
| Return on Equity (ROE) | 9.2330% | 2,386 |
| Retained earnings to average equity (ytd only) | 0.4071% | 5,655 |
| Net charge-offs to loans | 0.0668% | 3,162 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 112.2000% | 344 |
| Efficiency ratio | 56.1719% | 6,049 |
| Assets per employee ($millions) | 6.2560% | 1,103 |
| Cash dividends to net income (ytd only)* | 95.5908% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 2,512 |
| Loan loss allowance to noncurrent loans | 315.0289% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 4,841 |
| Noncurrent loans to loans | 0.5815% | 4,987 |
| Net loans and leases to total assets | 17.2911% | 6,898 |
| Net loans and leases to deposits | 20.2766% | 6,904 |
| Net loans and leases to core deposits | 22.4543% | 6,884 |
| Total domestic deposits to total assets | 85.2764% | 3,914 |
| Equity capital to assets | 14.4429% | 892 |
| Core capital (leverage) ratio | 12.3453% | 1,405 |
| Tier 1 risk-based capital ratio | 34.5010% | 364 |
| Total risk-based capital ratio | 35.4153% | 367 |
| Memoranda: | ||
| Average total assets | $167,536,000 | 3,542 |
| Average earning assets | $158,922,500 | 3,451 |
| Average equity | $24,564,000 | 2,748 |
| Average total loans | $29,958,500 | 5,895 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4604% | 6,399 |
| Cost of funding earning assets | 0.2641% | 6,611 |
| Net interest margin | 3.1963% | 5,578 |
| Noninterest income to average assets | 0.5113% | 3,824 |
| Noninterest expense to average assets | 1.6815% | 6,738 |
| Loan and lease loss provision to assets | 0.0037% | 5,879 |
| Net operating income to assets | 1.8682% | 455 |
| Return on assets (ROA) | 1.8682% | 503 |
| Pretax return on assets | 1.8682% | 796 |
| Return on Equity (ROE) | 12.5362% | 1,350 |
| Retained earnings to average equity (ytd only) | 1.5885% | 5,078 |
| Net charge-offs to loans | 0.0778% | 4,897 |
| Credit loss provision to net charge-offs | 24.0000% | 5,226 |
| Earnings coverage of net charge-offs (x) | 122.7200% | 324 |
| Efficiency ratio | 47.3214% | 6,739 |
| Assets per employee ($millions) | 5.5386% | 1,652 |
| Cash dividends to net income (ytd only)* | 87.3285% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 2,567 |
| Loan loss allowance to noncurrent loans | 315.0289% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 4,895 |
| Noncurrent loans to loans | 0.5735% | 5,096 |
| Net loans and leases to total assets | 17.8263% | 6,953 |
| Net loans and leases to deposits | 21.0216% | 6,962 |
| Net loans and leases to core deposits | 23.3591% | 6,943 |
| Total domestic deposits to total assets | 84.8001% | 3,942 |
| Equity capital to assets | 14.8845% | 772 |
| Core capital (leverage) ratio | 12.4935% | 1,318 |
| Tier 1 risk-based capital ratio | 35.3595% | 334 |
| Total risk-based capital ratio | 36.2978% | 335 |
| Memoranda: | ||
| Average total assets | $163,898,600 | 3,552 |
| Average earning assets | $155,993,800 | 3,450 |
| Average equity | $24,425,200 | 2,717 |
| Average total loans | $32,135,400 | 5,846 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5746% | 6,423 |
| Cost of funding earning assets | 0.2706% | 6,729 |
| Net interest margin | 3.3040% | 5,381 |
| Noninterest income to average assets | 0.5045% | 3,898 |
| Noninterest expense to average assets | 1.6661% | 6,814 |
| Loan and lease loss provision to assets | 0.0033% | 5,761 |
| Net operating income to assets | 1.9844% | 390 |
| Return on assets (ROA) | 1.9844% | 442 |
| Pretax return on assets | 1.9844% | 719 |
| Return on Equity (ROE) | 13.3119% | 1,267 |
| Retained earnings to average equity (ytd only) | -1.3306% | 6,309 |
| Net charge-offs to loans | 0.0981% | 4,402 |
| Credit loss provision to net charge-offs | 16.6667% | 5,001 |
| Earnings coverage of net charge-offs (x) | 101.4559% | 417 |
| Efficiency ratio | 45.5987% | 6,833 |
| Assets per employee ($millions) | 5.4768% | 1,659 |
| Cash dividends to net income (ytd only)* | 109.9958% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7720% | 2,891 |
| Loan loss allowance to noncurrent loans | 67.9151% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 5,041 |
| Noncurrent loans to loans | 2.6091% | 2,188 |
| Net loans and leases to total assets | 18.3537% | 7,047 |
| Net loans and leases to deposits | 21.7433% | 7,058 |
| Net loans and leases to core deposits | 24.4604% | 7,045 |
| Total domestic deposits to total assets | 84.4107% | 4,027 |
| Equity capital to assets | 15.1663% | 787 |
| Core capital (leverage) ratio | 12.0989% | 1,596 |
| Tier 1 risk-based capital ratio | 35.2776% | 349 |
| Total risk-based capital ratio | 36.2415% | 353 |
| Memoranda: | ||
| Average total assets | $163,333,500 | 3,594 |
| Average earning assets | $155,686,250 | 3,491 |
| Average equity | $24,348,500 | 2,748 |
| Average total loans | $32,628,000 | 5,899 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 6,363 |
| Cost of funding earning assets | 0.2819% | 6,792 |
| Net interest margin | 3.4014% | 5,086 |
| Noninterest income to average assets | 0.5092% | 3,865 |
| Noninterest expense to average assets | 1.6907% | 6,845 |
| Loan and lease loss provision to assets | 0.0025% | 5,610 |
| Net operating income to assets | 2.0575% | 359 |
| Return on assets (ROA) | 2.0575% | 402 |
| Pretax return on assets | 2.0575% | 627 |
| Return on Equity (ROE) | 13.8834% | 1,150 |
| Retained earnings to average equity (ytd only) | -3.2453% | 6,494 |
| Net charge-offs to loans | 0.1262% | 3,922 |
| Credit loss provision to net charge-offs | 9.5238% | 4,747 |
| Earnings coverage of net charge-offs (x) | 79.9524% | 510 |
| Efficiency ratio | 45.0769% | 6,916 |
| Assets per employee ($millions) | 5.5281% | 1,591 |
| Cash dividends to net income (ytd only)* | 123.3751% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6255% | 3,509 |
| Loan loss allowance to noncurrent loans | 74.1497% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 5,248 |
| Noncurrent loans to loans | 2.1922% | 2,725 |
| Net loans and leases to total assets | 19.8880% | 7,084 |
| Net loans and leases to deposits | 23.4061% | 7,096 |
| Net loans and leases to core deposits | 26.7995% | 7,074 |
| Total domestic deposits to total assets | 84.9690% | 3,880 |
| Equity capital to assets | 14.6174% | 884 |
| Core capital (leverage) ratio | 12.0426% | 1,583 |
| Tier 1 risk-based capital ratio | 33.8263% | 378 |
| Total risk-based capital ratio | 34.7592% | 383 |
| Memoranda: | ||
| Average total assets | $163,009,670 | 3,614 |
| Average earning assets | $155,350,000 | 3,509 |
| Average equity | $24,158,330 | 2,754 |
| Average total loans | $33,270,670 | 5,900 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8072% | 6,228 |
| Cost of funding earning assets | 0.2982% | 6,847 |
| Net interest margin | 3.5090% | 4,650 |
| Noninterest income to average assets | 0.5223% | 3,764 |
| Noninterest expense to average assets | 1.7427% | 6,858 |
| Loan and lease loss provision to assets | 0.0025% | 5,235 |
| Net operating income to assets | 2.1263% | 334 |
| Return on assets (ROA) | 2.1263% | 389 |
| Pretax return on assets | 2.1263% | 605 |
| Return on Equity (ROE) | 14.2475% | 1,136 |
| Retained earnings to average equity (ytd only) | 3.2343% | 4,629 |
| Net charge-offs to loans | 0.0845% | 3,660 |
| Credit loss provision to net charge-offs | 14.2857% | 3,850 |
| Earnings coverage of net charge-offs (x) | 122.8571% | 286 |
| Efficiency ratio | 45.0128% | 6,950 |
| Assets per employee ($millions) | 5.5440% | 1,661 |
| Cash dividends to net income (ytd only)* | 77.2992% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 3,501 |
| Loan loss allowance to noncurrent loans | 75.6098% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 5,365 |
| Noncurrent loans to loans | 2.1946% | 2,922 |
| Net loans and leases to total assets | 19.8834% | 7,143 |
| Net loans and leases to deposits | 23.3652% | 7,149 |
| Net loans and leases to core deposits | 27.2502% | 7,116 |
| Total domestic deposits to total assets | 85.0980% | 3,989 |
| Equity capital to assets | 14.5226% | 860 |
| Core capital (leverage) ratio | 12.6530% | 1,267 |
| Tier 1 risk-based capital ratio | 34.4595% | 350 |
| Total risk-based capital ratio | 35.4045% | 352 |
| Memoranda: | ||
| Average total assets | $161,592,500 | 3,653 |
| Average earning assets | $154,233,500 | 3,547 |
| Average equity | $24,116,500 | 2,757 |
| Average total loans | $33,142,000 | 5,952 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 6,194 |
| Cost of funding earning assets | 0.3933% | 6,905 |
| Net interest margin | 3.7511% | 4,074 |
| Noninterest income to average assets | 0.6955% | 2,628 |
| Noninterest expense to average assets | 1.9319% | 6,789 |
| Loan and lease loss provision to assets | 0.0889% | 5,478 |
| Net operating income to assets | 2.2365% | 214 |
| Return on assets (ROA) | 2.2365% | 224 |
| Pretax return on assets | 2.2365% | 340 |
| Return on Equity (ROE) | 15.2669% | 703 |
| Retained earnings to average equity (ytd only) | 3.1123% | 4,015 |
| Net charge-offs to loans | 0.3879% | 3,472 |
| Credit loss provision to net charge-offs | 104.5455% | 3,279 |
| Earnings coverage of net charge-offs (x) | 27.3561% | 912 |
| Efficiency ratio | 45.3789% | 7,076 |
| Assets per employee ($millions) | 5.0602% | 2,118 |
| Cash dividends to net income (ytd only)* | 79.6142% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 3,102 |
| Loan loss allowance to noncurrent loans | 82.3358% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 5,426 |
| Noncurrent loans to loans | 2.0976% | 3,067 |
| Net loans and leases to total assets | 20.4584% | 7,199 |
| Net loans and leases to deposits | 24.2715% | 7,205 |
| Net loans and leases to core deposits | 26.7683% | 7,188 |
| Total domestic deposits to total assets | 84.2897% | 4,194 |
| Equity capital to assets | 15.3501% | 705 |
| Core capital (leverage) ratio | 12.7386% | 1,245 |
| Tier 1 risk-based capital ratio | 34.3767% | 352 |
| Total risk-based capital ratio | 35.3388% | 357 |
| Memoranda: | ||
| Average total assets | $155,289,800 | 3,715 |
| Average earning assets | $147,451,800 | 3,619 |
| Average equity | $22,748,600 | 2,811 |
| Average total loans | $34,029,600 | 5,951 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 6,149 |
| Cost of funding earning assets | 0.4082% | 6,998 |
| Net interest margin | 3.8172% | 3,784 |
| Noninterest income to average assets | 0.6697% | 2,774 |
| Noninterest expense to average assets | 1.9548% | 6,774 |
| Loan and lease loss provision to assets | 0.1179% | 4,960 |
| Net operating income to assets | 2.2191% | 248 |
| Return on assets (ROA) | 2.2191% | 266 |
| Pretax return on assets | 2.2191% | 411 |
| Return on Equity (ROE) | 15.3339% | 778 |
| Retained earnings to average equity (ytd only) | -1.1123% | 6,171 |
| Net charge-offs to loans | 0.5004% | 2,756 |
| Credit loss provision to net charge-offs | 106.2016% | 3,118 |
| Earnings coverage of net charge-offs (x) | 21.0460% | 1,197 |
| Efficiency ratio | 45.5475% | 7,084 |
| Assets per employee ($millions) | 5.1104% | 2,051 |
| Cash dividends to net income (ytd only)* | 107.2535% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6708% | 3,376 |
| Loan loss allowance to noncurrent loans | 82.1480% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 4,772 |
| Noncurrent loans to loans | 2.0339% | 3,325 |
| Net loans and leases to total assets | 21.0256% | 7,272 |
| Net loans and leases to deposits | 24.8237% | 7,285 |
| Net loans and leases to core deposits | 27.8141% | 7,257 |
| Total domestic deposits to total assets | 84.6996% | 3,912 |
| Equity capital to assets | 14.8869% | 881 |
| Core capital (leverage) ratio | 12.4651% | 1,452 |
| Tier 1 risk-based capital ratio | 31.3193% | 482 |
| Total risk-based capital ratio | 32.2399% | 483 |
| Memoranda: | ||
| Average total assets | $154,896,000 | 3,743 |
| Average earning assets | $146,979,500 | 3,650 |
| Average equity | $22,416,000 | 2,841 |
| Average total loans | $34,373,000 | 6,001 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 5,880 |
| Cost of funding earning assets | 0.4256% | 7,075 |
| Net interest margin | 3.9124% | 3,250 |
| Noninterest income to average assets | 0.8405% | 1,834 |
| Noninterest expense to average assets | 1.9932% | 6,812 |
| Loan and lease loss provision to assets | 0.1769% | 4,155 |
| Net operating income to assets | 2.3900% | 194 |
| Return on assets (ROA) | 2.3900% | 197 |
| Pretax return on assets | 2.3900% | 290 |
| Return on Equity (ROE) | 16.6798% | 587 |
| Retained earnings to average equity (ytd only) | -1.8069% | 6,218 |
| Net charge-offs to loans | 0.7296% | 2,049 |
| Credit loss provision to net charge-offs | 107.9365% | 2,847 |
| Earnings coverage of net charge-offs (x) | 15.6587% | 1,392 |
| Efficiency ratio | 43.7090% | 7,244 |
| Assets per employee ($millions) | 5.3348% | 1,718 |
| Cash dividends to net income (ytd only)* | 110.8329% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6408% | 3,525 |
| Loan loss allowance to noncurrent loans | 81.1429% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 5,647 |
| Noncurrent loans to loans | 2.0221% | 3,447 |
| Net loans and leases to total assets | 22.0084% | 7,346 |
| Net loans and leases to deposits | 25.9184% | 7,352 |
| Net loans and leases to core deposits | 30.0927% | 7,318 |
| Total domestic deposits to total assets | 84.9143% | 3,916 |
| Equity capital to assets | 14.7063% | 889 |
| Core capital (leverage) ratio | 12.3567% | 1,424 |
| Tier 1 risk-based capital ratio | 30.5696% | 509 |
| Total risk-based capital ratio | 31.4718% | 513 |
| Memoranda: | ||
| Average total assets | $153,721,000 | 3,786 |
| Average earning assets | $146,152,330 | 3,685 |
| Average equity | $22,026,670 | 2,874 |
| Average total loans | $34,539,000 | 6,048 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0634% | 6,575 |
| Cost of funding earning assets | 0.4457% | 7,124 |
| Net interest margin | 3.6177% | 4,495 |
| Noninterest income to average assets | 0.8980% | 1,672 |
| Noninterest expense to average assets | 2.0310% | 6,772 |
| Loan and lease loss provision to assets | 0.3185% | 2,640 |
| Net operating income to assets | 1.9814% | 359 |
| Return on assets (ROA) | 1.9814% | 373 |
| Pretax return on assets | 1.9814% | 574 |
| Return on Equity (ROE) | 14.0140% | 990 |
| Retained earnings to average equity (ytd only) | 1.9941% | 4,934 |
| Net charge-offs to loans | 1.4145% | 969 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 7.2213% | 1,978 |
| Efficiency ratio | 46.8957% | 7,161 |
| Assets per employee ($millions) | 5.2241% | 1,861 |
| Cash dividends to net income (ytd only)* | 85.7708% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 3,512 |
| Loan loss allowance to noncurrent loans | 83.6582% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.9903% | 4,925 |
| Noncurrent loans to loans | 1.9771% | 3,600 |
| Net loans and leases to total assets | 21.1700% | 7,412 |
| Net loans and leases to deposits | 24.6924% | 7,424 |
| Net loans and leases to core deposits | 28.3793% | 7,394 |
| Total domestic deposits to total assets | 85.7346% | 3,677 |
| Equity capital to assets | 13.9125% | 1,025 |
| Core capital (leverage) ratio | 12.6951% | 1,244 |
| Tier 1 risk-based capital ratio | 31.1576% | 470 |
| Total risk-based capital ratio | 32.0468% | 476 |
| Memoranda: | ||
| Average total assets | $153,227,000 | 3,828 |
| Average earning assets | $145,396,500 | 3,724 |
| Average equity | $21,664,000 | 2,907 |
| Average total loans | $34,500,000 | 6,105 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4056% | 6,608 |
| Cost of funding earning assets | 0.6265% | 7,067 |
| Net interest margin | 3.7791% | 4,036 |
| Noninterest income to average assets | 0.7211% | 2,706 |
| Noninterest expense to average assets | 2.1032% | 6,837 |
| Loan and lease loss provision to assets | 0.0985% | 6,158 |
| Net operating income to assets | 2.0836% | 242 |
| Return on assets (ROA) | 2.0863% | 253 |
| Pretax return on assets | 2.0863% | 400 |
| Return on Equity (ROE) | 14.3467% | 822 |
| Retained earnings to average equity (ytd only) | 2.8805% | 3,836 |
| Net charge-offs to loans | 0.2283% | 4,915 |
| Credit loss provision to net charge-offs | 180.2469% | 1,835 |
| Earnings coverage of net charge-offs (x) | 39.9383% | 585 |
| Efficiency ratio | 49.0792% | 7,197 |
| Assets per employee ($millions) | 4.8301% | 2,386 |
| Cash dividends to net income (ytd only)* | 79.9224% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 3,652 |
| Loan loss allowance to noncurrent loans | 58.4906% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2322% | 4,557 |
| Noncurrent loans to loans | 2.7053% | 2,811 |
| Net loans and leases to total assets | 23.1787% | 7,484 |
| Net loans and leases to deposits | 27.2114% | 7,499 |
| Net loans and leases to core deposits | 29.9159% | 7,471 |
| Total domestic deposits to total assets | 85.1802% | 3,763 |
| Equity capital to assets | 14.3750% | 936 |
| Core capital (leverage) ratio | 13.2666% | 1,042 |
| Tier 1 risk-based capital ratio | 30.8919% | 472 |
| Total risk-based capital ratio | 31.7785% | 480 |
| Memoranda: | ||
| Average total assets | $148,253,800 | 3,904 |
| Average earning assets | $139,820,800 | 3,823 |
| Average equity | $21,559,000 | 2,938 |
| Average total loans | $35,487,400 | 6,140 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 6,658 |
| Cost of funding earning assets | 0.6634% | 7,144 |
| Net interest margin | 3.8122% | 3,922 |
| Noninterest income to average assets | 0.6546% | 3,099 |
| Noninterest expense to average assets | 2.0601% | 6,934 |
| Loan and lease loss provision to assets | 0.1298% | 5,729 |
| Net operating income to assets | 2.0547% | 308 |
| Return on assets (ROA) | 2.0583% | 328 |
| Pretax return on assets | 2.0583% | 549 |
| Return on Equity (ROE) | 14.1133% | 1,004 |
| Retained earnings to average equity (ytd only) | -1.1684% | 6,044 |
| Net charge-offs to loans | 0.2963% | 4,177 |
| Credit loss provision to net charge-offs | 182.2785% | 1,999 |
| Earnings coverage of net charge-offs (x) | 30.6711% | 871 |
| Efficiency ratio | 48.5344% | 7,240 |
| Assets per employee ($millions) | 4.8789% | 2,356 |
| Cash dividends to net income (ytd only)* | 108.2788% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 3,646 |
| Loan loss allowance to noncurrent loans | 58.7368% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.2612% | 4,629 |
| Noncurrent loans to loans | 2.6788% | 2,953 |
| Net loans and leases to total assets | 23.8484% | 7,567 |
| Net loans and leases to deposits | 28.2578% | 7,591 |
| Net loans and leases to core deposits | 31.2551% | 7,562 |
| Total domestic deposits to total assets | 84.3960% | 3,919 |
| Equity capital to assets | 15.0718% | 872 |
| Core capital (leverage) ratio | 12.6237% | 1,362 |
| Tier 1 risk-based capital ratio | 30.0490% | 508 |
| Total risk-based capital ratio | 30.9488% | 514 |
| Memoranda: | ||
| Average total assets | $147,884,250 | 3,962 |
| Average earning assets | $139,269,000 | 3,885 |
| Average equity | $21,567,750 | 2,976 |
| Average total loans | $35,543,250 | 6,220 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 6,744 |
| Cost of funding earning assets | 0.6711% | 7,253 |
| Net interest margin | 3.8140% | 3,838 |
| Noninterest income to average assets | 0.6402% | 3,064 |
| Noninterest expense to average assets | 2.1039% | 6,897 |
| Loan and lease loss provision to assets | 0.1456% | 5,440 |
| Net operating income to assets | 1.9907% | 337 |
| Return on assets (ROA) | 1.9961% | 367 |
| Pretax return on assets | 1.9961% | 606 |
| Return on Equity (ROE) | 13.8387% | 1,074 |
| Retained earnings to average equity (ytd only) | -3.6536% | 6,398 |
| Net charge-offs to loans | 0.4105% | 3,346 |
| Credit loss provision to net charge-offs | 147.9452% | 2,668 |
| Earnings coverage of net charge-offs (x) | 21.7123% | 1,166 |
| Efficiency ratio | 49.6186% | 7,250 |
| Assets per employee ($millions) | 4.8755% | 2,331 |
| Cash dividends to net income (ytd only)* | 126.4011% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 4,201 |
| Loan loss allowance to noncurrent loans | 55.5205% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.2220% | 4,693 |
| Noncurrent loans to loans | 2.6033% | 3,034 |
| Net loans and leases to total assets | 23.8208% | 7,645 |
| Net loans and leases to deposits | 27.9520% | 7,667 |
| Net loans and leases to core deposits | 31.5921% | 7,633 |
| Total domestic deposits to total assets | 85.2204% | 3,510 |
| Equity capital to assets | 14.2886% | 1,069 |
| Core capital (leverage) ratio | 12.2836% | 1,505 |
| Tier 1 risk-based capital ratio | 28.3574% | 600 |
| Total risk-based capital ratio | 29.1697% | 621 |
| Memoranda: | ||
| Average total assets | $148,390,330 | 3,985 |
| Average earning assets | $140,063,000 | 3,904 |
| Average equity | $21,403,670 | 2,988 |
| Average total loans | $35,569,670 | 6,262 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 6,734 |
| Cost of funding earning assets | 0.6654% | 7,406 |
| Net interest margin | 3.8633% | 3,497 |
| Noninterest income to average assets | 0.6584% | 2,889 |
| Noninterest expense to average assets | 2.2202% | 6,631 |
| Loan and lease loss provision to assets | 0.0082% | 6,518 |
| Net operating income to assets | 2.0950% | 294 |
| Return on assets (ROA) | 2.0950% | 324 |
| Pretax return on assets | 2.0950% | 512 |
| Return on Equity (ROE) | 14.4550% | 961 |
| Retained earnings to average equity (ytd only) | 2.2903% | 4,761 |
| Net charge-offs to loans | 0.2508% | 3,443 |
| Credit loss provision to net charge-offs | 13.6364% | 5,015 |
| Earnings coverage of net charge-offs (x) | 35.1364% | 776 |
| Efficiency ratio | 51.3531% | 7,202 |
| Assets per employee ($millions) | 4.9657% | 2,281 |
| Cash dividends to net income (ytd only)* | 84.1558% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 4,506 |
| Loan loss allowance to noncurrent loans | 46.9307% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 1.2533% | 4,673 |
| Noncurrent loans to loans | 2.9453% | 2,731 |
| Net loans and leases to total assets | 22.7012% | 7,749 |
| Net loans and leases to deposits | 26.6840% | 7,770 |
| Net loans and leases to core deposits | 31.0471% | 7,732 |
| Total domestic deposits to total assets | 85.0742% | 3,636 |
| Equity capital to assets | 14.4653% | 1,016 |
| Core capital (leverage) ratio | 12.8810% | 1,255 |
| Tier 1 risk-based capital ratio | 30.2375% | 517 |
| Total risk-based capital ratio | 30.9940% | 520 |
| Memoranda: | ||
| Average total assets | $147,015,000 | 4,066 |
| Average earning assets | $139,467,500 | 3,977 |
| Average equity | $21,307,500 | 3,032 |
| Average total loans | $35,089,000 | 6,365 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9524% | 6,577 |
| Cost of funding earning assets | 0.7447% | 7,628 |
| Net interest margin | 4.2077% | 2,038 |
| Noninterest income to average assets | 0.6835% | 3,067 |
| Noninterest expense to average assets | 2.1427% | 7,099 |
| Loan and lease loss provision to assets | 0.0851% | 6,759 |
| Net operating income to assets | 2.4528% | 94 |
| Return on assets (ROA) | 2.4528% | 104 |
| Pretax return on assets | 2.4528% | 171 |
| Return on Equity (ROE) | 17.2834% | 428 |
| Retained earnings to average equity (ytd only) | 3.3893% | 2,794 |
| Net charge-offs to loans | 0.0984% | 6,148 |
| Credit loss provision to net charge-offs | 336.1111% | 964 |
| Earnings coverage of net charge-offs (x) | 100.2500% | 276 |
| Efficiency ratio | 45.7782% | 7,724 |
| Assets per employee ($millions) | 4.6794% | 2,648 |
| Cash dividends to net income (ytd only)* | 80.3899% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 4,375 |
| Loan loss allowance to noncurrent loans | 64.0260% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.1285% | 4,830 |
| Noncurrent loans to loans | 2.1457% | 3,460 |
| Net loans and leases to total assets | 24.3989% | 7,800 |
| Net loans and leases to deposits | 28.6948% | 7,825 |
| Net loans and leases to core deposits | 42.8959% | 7,722 |
| Total domestic deposits to total assets | 85.0290% | 3,538 |
| Equity capital to assets | 14.5223% | 1,016 |
| Core capital (leverage) ratio | 13.0295% | 1,245 |
| Tier 1 risk-based capital ratio | 29.7132% | 540 |
| Total risk-based capital ratio | 30.4914% | 553 |
| Memoranda: | ||
| Average total assets | $142,206,400 | 4,075 |
| Average earning assets | $135,086,000 | 3,992 |
| Average equity | $20,181,200 | 3,167 |
| Average total loans | $36,568,000 | 6,275 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 6,615 |
| Cost of funding earning assets | 0.7481% | 7,761 |
| Net interest margin | 4.2478% | 1,877 |
| Noninterest income to average assets | 0.6822% | 3,141 |
| Noninterest expense to average assets | 2.1145% | 7,164 |
| Loan and lease loss provision to assets | 0.0744% | 6,613 |
| Net operating income to assets | 2.5273% | 100 |
| Return on assets (ROA) | 2.5273% | 110 |
| Pretax return on assets | 2.5273% | 183 |
| Return on Equity (ROE) | 17.9154% | 463 |
| Retained earnings to average equity (ytd only) | -0.8149% | 5,442 |
| Net charge-offs to loans | 0.0871% | 5,818 |
| Credit loss provision to net charge-offs | 329.1667% | 1,251 |
| Earnings coverage of net charge-offs (x) | 115.0388% | 320 |
| Efficiency ratio | 44.8352% | 7,809 |
| Assets per employee ($millions) | 4.6845% | 2,586 |
| Cash dividends to net income (ytd only)* | 104.5488% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 4,695 |
| Loan loss allowance to noncurrent loans | 551.1905% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 6,114 |
| Noncurrent loans to loans | 0.2303% | 6,924 |
| Net loans and leases to total assets | 24.7984% | 7,889 |
| Net loans and leases to deposits | 29.1145% | 7,921 |
| Net loans and leases to core deposits | 44.0816% | 7,799 |
| Total domestic deposits to total assets | 85.1755% | 3,137 |
| Equity capital to assets | 14.3149% | 1,200 |
| Core capital (leverage) ratio | 12.4398% | 1,605 |
| Tier 1 risk-based capital ratio | 28.7839% | 632 |
| Total risk-based capital ratio | 29.5236% | 653 |
| Memoranda: | ||
| Average total assets | $141,493,000 | 4,107 |
| Average earning assets | $134,373,000 | 4,033 |
| Average equity | $19,960,000 | 3,237 |
| Average total loans | $36,738,500 | 6,302 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 6,600 |
| Cost of funding earning assets | 0.7377% | 7,889 |
| Net interest margin | 4.3164% | 1,607 |
| Noninterest income to average assets | 0.6759% | 3,144 |
| Noninterest expense to average assets | 2.1576% | 7,157 |
| Loan and lease loss provision to assets | 0.0471% | 6,764 |
| Net operating income to assets | 2.5683% | 99 |
| Return on assets (ROA) | 2.5683% | 109 |
| Pretax return on assets | 2.5683% | 184 |
| Return on Equity (ROE) | 18.2991% | 465 |
| Retained earnings to average equity (ytd only) | -3.1701% | 5,997 |
| Net charge-offs to loans | 0.0923% | 5,259 |
| Credit loss provision to net charge-offs | 194.1176% | 2,354 |
| Earnings coverage of net charge-offs (x) | 107.8824% | 357 |
| Efficiency ratio | 45.2047% | 7,879 |
| Assets per employee ($millions) | 4.6767% | 2,491 |
| Cash dividends to net income (ytd only)* | 117.3237% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 5,311 |
| Loan loss allowance to noncurrent loans | 632.8358% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 6,145 |
| Noncurrent loans to loans | 0.1807% | 7,068 |
| Net loans and leases to total assets | 25.2776% | 7,972 |
| Net loans and leases to deposits | 29.3540% | 8,003 |
| Net loans and leases to core deposits | 44.0347% | 7,872 |
| Total domestic deposits to total assets | 86.1131% | 2,728 |
| Equity capital to assets | 13.3724% | 1,536 |
| Core capital (leverage) ratio | 12.5393% | 1,606 |
| Tier 1 risk-based capital ratio | 27.8937% | 725 |
| Total risk-based capital ratio | 28.5571% | 739 |
| Memoranda: | ||
| Average total assets | $140,251,000 | 4,169 |
| Average earning assets | $133,118,670 | 4,080 |
| Average equity | $19,684,000 | 3,293 |
| Average total loans | $36,826,330 | 6,352 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1991% | 6,299 |
| Cost of funding earning assets | 0.7576% | 7,953 |
| Net interest margin | 4.4416% | 1,246 |
| Noninterest income to average assets | 0.6614% | 3,126 |
| Noninterest expense to average assets | 2.0887% | 7,142 |
| Loan and lease loss provision to assets | 0.0870% | 5,847 |
| Net operating income to assets | 2.7037% | 90 |
| Return on assets (ROA) | 2.7037% | 115 |
| Pretax return on assets | 2.7037% | 177 |
| Return on Equity (ROE) | 18.7974% | 524 |
| Retained earnings to average equity (ytd only) | 5.1027% | 3,064 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8062% | 7,973 |
| Assets per employee ($millions) | 4.6210% | 2,541 |
| Cash dividends to net income (ytd only)* | 72.8541% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 5,115 |
| Loan loss allowance to noncurrent loans | 1,904.3478% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 7,491 |
| Noncurrent loans to loans | 0.0604% | 7,362 |
| Net loans and leases to total assets | 26.2574% | 7,997 |
| Net loans and leases to deposits | 30.7324% | 8,025 |
| Net loans and leases to core deposits | 43.8473% | 7,907 |
| Total domestic deposits to total assets | 85.4388% | 2,996 |
| Equity capital to assets | 14.1277% | 1,324 |
| Core capital (leverage) ratio | 13.3330% | 1,377 |
| Tier 1 risk-based capital ratio | 28.9852% | 690 |
| Total risk-based capital ratio | 29.6755% | 705 |
| Memoranda: | ||
| Average total assets | $137,887,500 | 4,233 |
| Average earning assets | $130,945,000 | 4,136 |
| Average equity | $19,832,500 | 3,280 |
| Average total loans | $36,704,000 | 6,402 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6126% | 7,024 |
| Cost of funding earning assets | 1.2280% | 7,911 |
| Net interest margin | 4.3846% | 1,737 |
| Noninterest income to average assets | 0.7630% | 2,708 |
| Noninterest expense to average assets | 2.2215% | 6,918 |
| Loan and lease loss provision to assets | 0.1389% | 5,581 |
| Net operating income to assets | 2.5535% | 116 |
| Return on assets (ROA) | 2.6312% | 101 |
| Pretax return on assets | 2.6312% | 151 |
| Return on Equity (ROE) | 18.4510% | 495 |
| Retained earnings to average equity (ytd only) | 2.4715% | 3,657 |
| Net charge-offs to loans | 0.1975% | 4,218 |
| Credit loss provision to net charge-offs | 256.5217% | 1,812 |
| Earnings coverage of net charge-offs (x) | 49.7101% | 763 |
| Efficiency ratio | 45.2077% | 7,964 |
| Assets per employee ($millions) | 4.1414% | 3,228 |
| Cash dividends to net income (ytd only)* | 86.6050% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 4,886 |
| Loan loss allowance to noncurrent loans | 66.0194% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 5,726 |
| Noncurrent loans to loans | 1.7479% | 3,146 |
| Net loans and leases to total assets | 26.3711% | 8,063 |
| Net loans and leases to deposits | 31.0765% | 8,104 |
| Net loans and leases to core deposits | 42.2179% | 8,022 |
| Total domestic deposits to total assets | 84.8586% | 2,913 |
| Equity capital to assets | 14.6592% | 1,263 |
| Core capital (leverage) ratio | 13.9732% | 1,261 |
| Tier 1 risk-based capital ratio | 30.6568% | 605 |
| Total risk-based capital ratio | 31.3463% | 617 |
| Memoranda: | ||
| Average total assets | $127,392,000 | 4,337 |
| Average earning assets | $120,602,600 | 4,245 |
| Average equity | $18,167,000 | 3,532 |
| Average total loans | $34,941,000 | 6,433 |