Home > Stockmens Bank > Performance and Condition Ratios
Stockmens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9475% | 679 |
| Cost of funding earning assets | 1.5673% | 1,776 |
| Net interest margin | 4.3802% | 722 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.4102% | 2,559 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.4391% | 1,143 |
| Return on assets (ROA) | 1.4391% | 1,110 |
| Pretax return on assets | 1.9058% | 765 |
| Return on Equity (ROE) | 14.5500% | 1,374 |
| Retained earnings to average equity (ytd only) | 11.7156% | 673 |
| Net charge-offs to loans | 0.0228% | 1,868 |
| Credit loss provision to net charge-offs | 602.0833% | 587 |
| Earnings coverage of net charge-offs (x) | 109.0833% | 864 |
| Efficiency ratio | 53.2585% | 3,733 |
| Assets per employee ($millions) | 5.2567% | 3,428 |
| Cash dividends to net income (ytd only)* | 19.5018% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 950 |
| Loan loss allowance to noncurrent loans | 402.5767% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 1,748 |
| Noncurrent loans to loans | 0.3839% | 1,836 |
| Net loans and leases to total assets | 77.2000% | 952 |
| Net loans and leases to deposits | 88.5244% | 1,387 |
| Net loans and leases to core deposits | 92.0429% | 1,899 |
| Total domestic deposits to total assets | 87.2100% | 1,611 |
| Equity capital to assets | 9.8413% | 2,099 |
| Core capital (leverage) ratio | 9.8923% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1249% | 2,201 |
| Memoranda: | ||
| Average total assets | $507,759,800 | 1,710 |
| Average earning assets | $473,422,000 | 1,701 |
| Average equity | $50,206,400 | 1,604 |
| Average total loans | $421,258,000 | 1,422 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8625% | 638 |
| Cost of funding earning assets | 1.4135% | 1,831 |
| Net interest margin | 4.4490% | 664 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.4194% | 2,465 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.4728% | 1,182 |
| Return on assets (ROA) | 1.4728% | 1,165 |
| Pretax return on assets | 1.9481% | 803 |
| Return on Equity (ROE) | 14.8800% | 1,465 |
| Retained earnings to average equity (ytd only) | 12.1715% | 944 |
| Net charge-offs to loans | -0.0051% | 3,750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.8915% | 3,687 |
| Assets per employee ($millions) | 5.1488% | 3,479 |
| Cash dividends to net income (ytd only)* | 18.1835% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 991 |
| 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 | 79.2900% | 732 |
| Net loans and leases to deposits | 91.4569% | 1,101 |
| Net loans and leases to core deposits | 93.9544% | 1,680 |
| Total domestic deposits to total assets | 86.7000% | 1,980 |
| Equity capital to assets | 10.0151% | 1,827 |
| Core capital (leverage) ratio | 9.9540% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3512% | 2,495 |
| Memoranda: | ||
| Average total assets | $499,338,500 | 1,730 |
| Average earning assets | $464,929,750 | 1,728 |
| Average equity | $49,436,750 | 1,611 |
| Average total loans | $420,432,000 | 1,413 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6498% | 688 |
| Cost of funding earning assets | 1.2088% | 1,957 |
| Net interest margin | 4.4410% | 666 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.3094% | 2,774 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.5222% | 1,062 |
| Return on assets (ROA) | 1.5222% | 1,058 |
| Pretax return on assets | 2.0487% | 692 |
| Return on Equity (ROE) | 15.4400% | 1,379 |
| Retained earnings to average equity (ytd only) | 11.9358% | 998 |
| Net charge-offs to loans | -0.0071% | 3,812 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.3170% | 3,898 |
| Assets per employee ($millions) | 4.6868% | 3,832 |
| Cash dividends to net income (ytd only)* | 22.6801% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 1,255 |
| Loan loss allowance to noncurrent loans | 3,186.5672% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,383 |
| Noncurrent loans to loans | 0.0463% | 3,387 |
| Net loans and leases to total assets | 83.7300% | 290 |
| Net loans and leases to deposits | 96.0767% | 728 |
| Net loans and leases to core deposits | 97.8185% | 1,364 |
| Total domestic deposits to total assets | 87.1400% | 1,884 |
| Equity capital to assets | 9.7951% | 1,979 |
| Core capital (leverage) ratio | 9.8806% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2072% | 2,569 |
| Memoranda: | ||
| Average total assets | $494,159,667 | 1,739 |
| Average earning assets | $460,302,000 | 1,735 |
| Average equity | $48,727,333 | 1,627 |
| Average total loans | $422,352,333 | 1,399 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2616% | 873 |
| Cost of funding earning assets | 0.9863% | 2,092 |
| Net interest margin | 4.2753% | 847 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.1054% | 3,366 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.5684% | 1,039 |
| Return on assets (ROA) | 1.5678% | 1,040 |
| Pretax return on assets | 2.0898% | 666 |
| Return on Equity (ROE) | 15.8500% | 1,390 |
| Retained earnings to average equity (ytd only) | 14.6005% | 856 |
| Net charge-offs to loans | 0.0077% | 1,661 |
| Credit loss provision to net charge-offs | 3,400.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 344.2500% | 327 |
| Efficiency ratio | 47.4675% | 4,123 |
| Assets per employee ($millions) | 4.7613% | 3,830 |
| Cash dividends to net income (ytd only)* | 7.8782% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 1,234 |
| Loan loss allowance to noncurrent loans | 153.0775% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.8287% | 572 |
| Noncurrent loans to loans | 0.9837% | 746 |
| Net loans and leases to total assets | 82.9800% | 297 |
| Net loans and leases to deposits | 95.3888% | 690 |
| Net loans and leases to core deposits | 96.5225% | 1,250 |
| Total domestic deposits to total assets | 86.9900% | 2,267 |
| Equity capital to assets | 9.7897% | 1,940 |
| Core capital (leverage) ratio | 10.0562% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9238% | 2,748 |
| Memoranda: | ||
| Average total assets | $485,791,000 | 1,776 |
| Average earning assets | $451,804,000 | 1,769 |
| Average equity | $48,053,000 | 1,657 |
| Average total loans | $416,466,000 | 1,428 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 736 |
| Cost of funding earning assets | 0.3695% | 2,335 |
| Net interest margin | 4.1218% | 634 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.3359% | 2,630 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.2253% | 1,682 |
| Return on assets (ROA) | 1.2253% | 1,630 |
| Pretax return on assets | 1.6528% | 1,031 |
| Return on Equity (ROE) | 12.2400% | 2,061 |
| Retained earnings to average equity (ytd only) | 6.3293% | 2,520 |
| Net charge-offs to loans | -0.0139% | 3,932 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.5189% | 3,747 |
| Assets per employee ($millions) | 4.4495% | 4,070 |
| Cash dividends to net income (ytd only)* | 48.3033% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6140% | 952 |
| Loan loss allowance to noncurrent loans | 1,082.4104% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 2,609 |
| Noncurrent loans to loans | 0.1491% | 2,758 |
| Net loans and leases to total assets | 85.9000% | 161 |
| Net loans and leases to deposits | 96.1762% | 627 |
| Net loans and leases to core deposits | 98.0080% | 1,098 |
| Total domestic deposits to total assets | 89.3100% | 1,630 |
| Equity capital to assets | 9.9999% | 1,705 |
| Core capital (leverage) ratio | 10.0029% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1010% | 2,706 |
| Memoranda: | ||
| Average total assets | $461,751,600 | 1,829 |
| Average earning assets | $430,296,200 | 1,818 |
| Average equity | $46,213,400 | 1,727 |
| Average total loans | $381,413,800 | 1,451 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2662% | 788 |
| Cost of funding earning assets | 0.2813% | 2,371 |
| Net interest margin | 3.9849% | 655 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.2771% | 2,695 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.2732% | 1,449 |
| Return on assets (ROA) | 1.2683% | 1,424 |
| Pretax return on assets | 1.6150% | 1,084 |
| Return on Equity (ROE) | 12.6700% | 1,816 |
| Retained earnings to average equity (ytd only) | 9.5294% | 1,475 |
| Net charge-offs to loans | -0.0150% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.8465% | 3,742 |
| Assets per employee ($millions) | 4.5511% | 4,015 |
| Cash dividends to net income (ytd only)* | 24.7883% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 1,163 |
| Loan loss allowance to noncurrent loans | 1,001.6129% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 2,696 |
| Noncurrent loans to loans | 0.1551% | 2,835 |
| Net loans and leases to total assets | 83.1300% | 314 |
| Net loans and leases to deposits | 93.5303% | 665 |
| Net loans and leases to core deposits | 95.3816% | 1,031 |
| Total domestic deposits to total assets | 88.8800% | 2,138 |
| Equity capital to assets | 10.0104% | 1,619 |
| Core capital (leverage) ratio | 10.0940% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1333% | 2,779 |
| Memoranda: | ||
| Average total assets | $459,278,000 | 1,839 |
| Average earning assets | $428,445,250 | 1,836 |
| Average equity | $45,975,750 | 1,751 |
| Average total loans | $373,825,250 | 1,473 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 816 |
| Cost of funding earning assets | 0.2282% | 2,528 |
| Net interest margin | 3.8477% | 678 |
| Noninterest income to average assets | 0.3616% | 2,979 |
| Noninterest expense to average assets | 2.2288% | 2,761 |
| Loan and lease loss provision to assets | 0.1980% | 418 |
| Net operating income to assets | 1.1329% | 1,654 |
| Return on assets (ROA) | 1.1316% | 1,638 |
| Pretax return on assets | 1.5227% | 1,119 |
| Return on Equity (ROE) | 11.3037% | 1,888 |
| Retained earnings to average equity (ytd only) | 7.2032% | 1,918 |
| Net charge-offs to loans | -0.0208% | 3,894 |
| Credit loss provision to net charge-offs | -1,184.2105% | 3,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5951% | 3,812 |
| Assets per employee ($millions) | 4.4703% | 4,095 |
| Cash dividends to net income (ytd only)* | 36.2753% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 1,264 |
| Loan loss allowance to noncurrent loans | 974.1042% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 2,774 |
| Noncurrent loans to loans | 0.1595% | 2,900 |
| Net loans and leases to total assets | 82.2872% | 273 |
| Net loans and leases to deposits | 92.2559% | 595 |
| Net loans and leases to core deposits | 94.2174% | 902 |
| Total domestic deposits to total assets | 89.1945% | 2,090 |
| Equity capital to assets | 10.0330% | 1,700 |
| Core capital (leverage) ratio | 9.8522% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2842% | 2,732 |
| Memoranda: | ||
| Average total assets | $454,597,667 | 1,863 |
| Average earning assets | $424,100,333 | 1,864 |
| Average equity | $45,507,333 | 1,813 |
| Average total loans | $365,213,000 | 1,489 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8451% | 1,007 |
| Cost of funding earning assets | 0.2286% | 2,416 |
| Net interest margin | 3.6165% | 873 |
| Noninterest income to average assets | 0.3348% | 3,090 |
| Noninterest expense to average assets | 2.2219% | 2,768 |
| Loan and lease loss provision to assets | 0.1993% | 363 |
| Net operating income to assets | 0.9662% | 2,009 |
| Return on assets (ROA) | 0.9662% | 2,009 |
| Pretax return on assets | 1.2903% | 1,534 |
| Return on Equity (ROE) | 9.6628% | 2,097 |
| Retained earnings to average equity (ytd only) | 2.2851% | 3,467 |
| Net charge-offs to loans | -0.0158% | 3,788 |
| Credit loss provision to net charge-offs | -1,607.1429% | 3,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0074% | 3,585 |
| Assets per employee ($millions) | 4.8757% | 3,864 |
| Cash dividends to net income (ytd only)* | 76.3520% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 1,340 |
| Loan loss allowance to noncurrent loans | 921.5434% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 2,843 |
| Noncurrent loans to loans | 0.1706% | 2,961 |
| Net loans and leases to total assets | 78.2830% | 357 |
| Net loans and leases to deposits | 87.6024% | 641 |
| Net loans and leases to core deposits | 89.7042% | 938 |
| Total domestic deposits to total assets | 89.3616% | 1,892 |
| Equity capital to assets | 9.8212% | 2,038 |
| Core capital (leverage) ratio | 9.6768% | 2,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $451,675,500 | 1,876 |
| Average earning assets | $421,736,000 | 1,881 |
| Average equity | $45,163,000 | 1,884 |
| Average total loans | $355,386,500 | 1,507 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 688 |
| Cost of funding earning assets | 0.2888% | 2,517 |
| Net interest margin | 4.1348% | 555 |
| Noninterest income to average assets | 0.4238% | 2,930 |
| Noninterest expense to average assets | 2.3289% | 2,715 |
| Loan and lease loss provision to assets | 0.3174% | 246 |
| Net operating income to assets | 1.2264% | 1,832 |
| Return on assets (ROA) | 1.2503% | 1,800 |
| Pretax return on assets | 1.6471% | 1,288 |
| Return on Equity (ROE) | 12.1411% | 1,761 |
| Retained earnings to average equity (ytd only) | 9.4497% | 1,062 |
| Net charge-offs to loans | -0.0037% | 3,478 |
| Credit loss provision to net charge-offs | -11,183.3333% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8526% | 3,946 |
| Assets per employee ($millions) | 4.4063% | 4,190 |
| Cash dividends to net income (ytd only)* | 22.1676% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 1,291 |
| Loan loss allowance to noncurrent loans | 855.6075% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 2,932 |
| Noncurrent loans to loans | 0.1854% | 3,015 |
| Net loans and leases to total assets | 76.5703% | 481 |
| Net loans and leases to deposits | 85.8664% | 789 |
| Net loans and leases to core deposits | 88.2885% | 1,061 |
| Total domestic deposits to total assets | 89.1737% | 1,429 |
| Equity capital to assets | 10.1821% | 2,486 |
| Core capital (leverage) ratio | 9.9738% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $422,858,800 | 1,919 |
| Average earning assets | $392,645,600 | 1,930 |
| Average equity | $43,546,400 | 1,962 |
| Average total loans | $326,344,800 | 1,605 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 698 |
| Cost of funding earning assets | 0.3053% | 2,542 |
| Net interest margin | 4.1703% | 578 |
| Noninterest income to average assets | 0.3920% | 3,139 |
| Noninterest expense to average assets | 2.3023% | 2,750 |
| Loan and lease loss provision to assets | 0.3568% | 197 |
| Net operating income to assets | 1.2019% | 2,164 |
| Return on assets (ROA) | 1.2342% | 2,111 |
| Pretax return on assets | 1.6400% | 1,579 |
| Return on Equity (ROE) | 11.9490% | 2,064 |
| Retained earnings to average equity (ytd only) | 10.6344% | 1,140 |
| Net charge-offs to loans | -0.0012% | 3,148 |
| Credit loss provision to net charge-offs | -37,233.3333% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2863% | 3,896 |
| Assets per employee ($millions) | 4.1642% | 4,351 |
| Cash dividends to net income (ytd only)* | 11.0018% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 1,595 |
| Loan loss allowance to noncurrent loans | 546.1059% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 2,634 |
| Noncurrent loans to loans | 0.2766% | 2,811 |
| Net loans and leases to total assets | 81.5287% | 217 |
| Net loans and leases to deposits | 92.4569% | 472 |
| Net loans and leases to core deposits | 95.0061% | 790 |
| Total domestic deposits to total assets | 88.1802% | 1,729 |
| Equity capital to assets | 10.6355% | 2,332 |
| Core capital (leverage) ratio | 10.0261% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $417,314,000 | 1,955 |
| Average earning assets | $386,885,250 | 1,965 |
| Average equity | $43,104,500 | 2,003 |
| Average total loans | $321,366,000 | 1,647 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 1,056 |
| Cost of funding earning assets | 0.3184% | 2,605 |
| Net interest margin | 3.9521% | 888 |
| Noninterest income to average assets | 0.3810% | 3,208 |
| Noninterest expense to average assets | 2.2555% | 2,899 |
| Loan and lease loss provision to assets | 0.2797% | 325 |
| Net operating income to assets | 1.1569% | 2,346 |
| Return on assets (ROA) | 1.2051% | 2,246 |
| Pretax return on assets | 1.5689% | 1,825 |
| Return on Equity (ROE) | 11.7851% | 2,135 |
| Retained earnings to average equity (ytd only) | 10.8453% | 1,162 |
| Net charge-offs to loans | 0.0026% | 2,106 |
| Credit loss provision to net charge-offs | 14,550.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 930.0000% | 141 |
| Efficiency ratio | 54.9917% | 3,679 |
| Assets per employee ($millions) | 4.3612% | 4,211 |
| Cash dividends to net income (ytd only)* | 7.9745% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,760 |
| Loan loss allowance to noncurrent loans | 296.6667% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 2,103 |
| Noncurrent loans to loans | 0.4892% | 2,215 |
| Net loans and leases to total assets | 75.7172% | 616 |
| Net loans and leases to deposits | 85.3641% | 957 |
| Net loans and leases to core deposits | 87.9103% | 1,267 |
| Total domestic deposits to total assets | 88.6991% | 1,455 |
| Equity capital to assets | 10.3055% | 2,570 |
| Core capital (leverage) ratio | 9.6913% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $416,224,667 | 1,949 |
| Average earning assets | $385,669,333 | 1,963 |
| Average equity | $42,562,333 | 2,013 |
| Average total loans | $312,436,667 | 1,691 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 1,318 |
| Cost of funding earning assets | 0.3390% | 2,632 |
| Net interest margin | 3.7950% | 1,152 |
| Noninterest income to average assets | 0.3663% | 3,261 |
| Noninterest expense to average assets | 2.1830% | 3,160 |
| Loan and lease loss provision to assets | 0.2180% | 536 |
| Net operating income to assets | 1.1513% | 2,332 |
| Return on assets (ROA) | 1.2432% | 2,083 |
| Pretax return on assets | 1.5959% | 1,740 |
| Return on Equity (ROE) | 12.2058% | 1,942 |
| Retained earnings to average equity (ytd only) | 11.7301% | 1,217 |
| Net charge-offs to loans | 0.0209% | 1,319 |
| Credit loss provision to net charge-offs | 1,406.2500% | 333 |
| Earnings coverage of net charge-offs (x) | 109.5000% | 580 |
| Efficiency ratio | 55.4307% | 3,614 |
| Assets per employee ($millions) | 4.4964% | 4,103 |
| Cash dividends to net income (ytd only)* | 3.8971% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 2,087 |
| Loan loss allowance to noncurrent loans | 1,040.1914% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 3,664 |
| Noncurrent loans to loans | 0.1321% | 3,653 |
| Net loans and leases to total assets | 74.6075% | 764 |
| Net loans and leases to deposits | 84.1101% | 1,133 |
| Net loans and leases to core deposits | 86.5837% | 1,484 |
| Total domestic deposits to total assets | 88.7023% | 1,500 |
| Equity capital to assets | 10.1425% | 2,558 |
| Core capital (leverage) ratio | 9.8616% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $412,819,000 | 1,950 |
| Average earning assets | $382,289,500 | 1,965 |
| Average equity | $42,045,500 | 2,021 |
| Average total loans | $306,141,000 | 1,714 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 1,493 |
| Cost of funding earning assets | 0.6411% | 2,052 |
| Net interest margin | 3.7908% | 1,525 |
| Noninterest income to average assets | 0.3380% | 3,439 |
| Noninterest expense to average assets | 2.2727% | 3,483 |
| Loan and lease loss provision to assets | 0.2192% | 1,786 |
| Net operating income to assets | 1.0533% | 2,093 |
| Return on assets (ROA) | 1.0658% | 2,184 |
| Pretax return on assets | 1.3900% | 1,686 |
| Return on Equity (ROE) | 10.3987% | 1,846 |
| Retained earnings to average equity (ytd only) | 5.6541% | 1,969 |
| Net charge-offs to loans | 0.0209% | 2,646 |
| Credit loss provision to net charge-offs | 1,403.2787% | 599 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 777 |
| Efficiency ratio | 57.9320% | 3,732 |
| Assets per employee ($millions) | 4.4777% | 3,937 |
| Cash dividends to net income (ytd only)* | 45.6271% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,977 |
| Loan loss allowance to noncurrent loans | 869.5378% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 3,680 |
| Noncurrent loans to loans | 0.1608% | 3,633 |
| Net loans and leases to total assets | 71.6152% | 1,345 |
| Net loans and leases to deposits | 81.5282% | 1,704 |
| Net loans and leases to core deposits | 84.1960% | 2,020 |
| Total domestic deposits to total assets | 87.8410% | 1,556 |
| Equity capital to assets | 10.2286% | 2,906 |
| Core capital (leverage) ratio | 9.8261% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,497,000 | 1,889 |
| Average earning assets | $363,432,000 | 1,891 |
| Average equity | $40,024,200 | 2,023 |
| Average total loans | $292,205,400 | 1,713 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 1,397 |
| Cost of funding earning assets | 0.6903% | 2,087 |
| Net interest margin | 3.8787% | 1,410 |
| Noninterest income to average assets | 0.2938% | 3,724 |
| Noninterest expense to average assets | 2.2731% | 3,491 |
| Loan and lease loss provision to assets | 0.2177% | 1,843 |
| Net operating income to assets | 1.0508% | 2,142 |
| Return on assets (ROA) | 1.0677% | 2,216 |
| Pretax return on assets | 1.4419% | 1,603 |
| Return on Equity (ROE) | 10.4111% | 1,870 |
| Retained earnings to average equity (ytd only) | 7.4928% | 1,496 |
| Net charge-offs to loans | 0.0449% | 1,984 |
| Credit loss provision to net charge-offs | 643.8776% | 1,124 |
| Earnings coverage of net charge-offs (x) | 48.4286% | 1,215 |
| Efficiency ratio | 57.2677% | 3,765 |
| Assets per employee ($millions) | 4.5609% | 3,770 |
| Cash dividends to net income (ytd only)* | 28.0310% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 2,256 |
| Loan loss allowance to noncurrent loans | 772.3108% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 3,754 |
| Noncurrent loans to loans | 0.1653% | 3,720 |
| Net loans and leases to total assets | 74.6917% | 1,288 |
| Net loans and leases to deposits | 86.1651% | 1,679 |
| Net loans and leases to core deposits | 88.7289% | 2,082 |
| Total domestic deposits to total assets | 86.6843% | 1,782 |
| Equity capital to assets | 10.3622% | 2,911 |
| Core capital (leverage) ratio | 9.6495% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,252,500 | 1,889 |
| Average earning assets | $360,246,500 | 1,885 |
| Average equity | $39,610,500 | 2,029 |
| Average total loans | $291,268,500 | 1,719 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6322% | 1,580 |
| Cost of funding earning assets | 0.7451% | 2,152 |
| Net interest margin | 3.8870% | 1,602 |
| Noninterest income to average assets | 0.2865% | 3,746 |
| Noninterest expense to average assets | 2.2816% | 3,569 |
| Loan and lease loss provision to assets | 0.2130% | 1,948 |
| Net operating income to assets | 1.0498% | 2,150 |
| Return on assets (ROA) | 1.0498% | 2,285 |
| Pretax return on assets | 1.4207% | 1,672 |
| Return on Equity (ROE) | 10.2745% | 1,897 |
| Retained earnings to average equity (ytd only) | 6.2079% | 1,983 |
| Net charge-offs to loans | 0.1219% | 1,113 |
| Credit loss provision to net charge-offs | 232.0000% | 1,799 |
| Earnings coverage of net charge-offs (x) | 17.7943% | 1,803 |
| Efficiency ratio | 57.4300% | 3,762 |
| Assets per employee ($millions) | 4.7565% | 3,461 |
| Cash dividends to net income (ytd only)* | 39.5802% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 2,756 |
| Loan loss allowance to noncurrent loans | 715.0000% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 3,717 |
| Noncurrent loans to loans | 0.1616% | 3,806 |
| Net loans and leases to total assets | 73.9149% | 1,423 |
| Net loans and leases to deposits | 85.9981% | 1,764 |
| Net loans and leases to core deposits | 88.6650% | 2,184 |
| Total domestic deposits to total assets | 85.9494% | 2,030 |
| Equity capital to assets | 9.8265% | 3,345 |
| Core capital (leverage) ratio | 9.4780% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,216,000 | 1,888 |
| Average earning assets | $355,901,667 | 1,873 |
| Average equity | $38,950,667 | 2,041 |
| Average total loans | $287,137,667 | 1,717 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 1,568 |
| Cost of funding earning assets | 0.9054% | 1,831 |
| Net interest margin | 3.8406% | 1,844 |
| Noninterest income to average assets | 0.3990% | 3,115 |
| Noninterest expense to average assets | 2.4225% | 3,488 |
| Loan and lease loss provision to assets | 0.1984% | 1,527 |
| Net operating income to assets | 0.9942% | 2,190 |
| Return on assets (ROA) | 0.9942% | 2,295 |
| Pretax return on assets | 1.3537% | 1,707 |
| Return on Equity (ROE) | 9.5238% | 1,901 |
| Retained earnings to average equity (ytd only) | 1.9951% | 3,444 |
| Net charge-offs to loans | 0.2710% | 538 |
| Credit loss provision to net charge-offs | 96.7914% | 1,874 |
| Earnings coverage of net charge-offs (x) | 7.5722% | 1,912 |
| Efficiency ratio | 60.0938% | 3,729 |
| Assets per employee ($millions) | 4.2281% | 3,618 |
| Cash dividends to net income (ytd only)* | 79.0518% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 2,702 |
| Loan loss allowance to noncurrent loans | 505.7576% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 3,588 |
| Noncurrent loans to loans | 0.2360% | 3,641 |
| Net loans and leases to total assets | 73.4298% | 1,704 |
| Net loans and leases to deposits | 85.6355% | 2,046 |
| Net loans and leases to core deposits | 88.2307% | 2,505 |
| Total domestic deposits to total assets | 85.7469% | 2,106 |
| Equity capital to assets | 10.5050% | 3,314 |
| Core capital (leverage) ratio | 10.2017% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,915,000 | 1,905 |
| Average earning assets | $339,736,500 | 1,893 |
| Average equity | $38,094,000 | 2,065 |
| Average total loans | $275,982,500 | 1,733 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8955% | 1,762 |
| Cost of funding earning assets | 0.9922% | 1,757 |
| Net interest margin | 3.9033% | 2,166 |
| Noninterest income to average assets | 0.5299% | 2,579 |
| Noninterest expense to average assets | 2.3897% | 3,709 |
| Loan and lease loss provision to assets | 0.3475% | 442 |
| Net operating income to assets | 1.0381% | 2,704 |
| Return on assets (ROA) | 1.0381% | 2,795 |
| Pretax return on assets | 1.4202% | 2,084 |
| Return on Equity (ROE) | 10.5888% | 2,048 |
| Retained earnings to average equity (ytd only) | 7.1338% | 1,336 |
| Net charge-offs to loans | 0.0318% | 2,755 |
| Credit loss provision to net charge-offs | 1,437.2093% | 246 |
| Earnings coverage of net charge-offs (x) | 73.1163% | 856 |
| Efficiency ratio | 56.6773% | 4,124 |
| Assets per employee ($millions) | 4.1592% | 3,681 |
| Cash dividends to net income (ytd only)* | 32.6293% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,293 |
| Loan loss allowance to noncurrent loans | 434.2857% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 3,369 |
| Noncurrent loans to loans | 0.2828% | 3,429 |
| Net loans and leases to total assets | 76.0803% | 1,397 |
| Net loans and leases to deposits | 88.2867% | 1,802 |
| Net loans and leases to core deposits | 90.5662% | 2,369 |
| Total domestic deposits to total assets | 86.1741% | 1,996 |
| Equity capital to assets | 10.3690% | 3,573 |
| Core capital (leverage) ratio | 9.6943% | 3,850 |
| Tier 1 risk-based capital ratio | 12.0047% | 4,363 |
| Total risk-based capital ratio | 14.0419% | 3,793 |
| Memoranda: | ||
| Average total assets | $355,732,600 | 1,889 |
| Average earning assets | $330,590,200 | 1,877 |
| Average equity | $34,876,400 | 2,148 |
| Average total loans | $270,739,200 | 1,729 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8861% | 1,854 |
| Cost of funding earning assets | 1.0051% | 1,743 |
| Net interest margin | 3.8810% | 2,326 |
| Noninterest income to average assets | 0.5400% | 2,510 |
| Noninterest expense to average assets | 2.3415% | 3,842 |
| Loan and lease loss provision to assets | 0.3536% | 381 |
| Net operating income to assets | 1.0935% | 2,598 |
| Return on assets (ROA) | 1.0935% | 2,689 |
| Pretax return on assets | 1.4531% | 2,108 |
| Return on Equity (ROE) | 11.3151% | 1,889 |
| Retained earnings to average equity (ytd only) | 6.9393% | 1,889 |
| Net charge-offs to loans | 0.0118% | 2,939 |
| Credit loss provision to net charge-offs | 3,937.5000% | 106 |
| Earnings coverage of net charge-offs (x) | 201.1616% | 436 |
| Efficiency ratio | 55.6518% | 4,202 |
| Assets per employee ($millions) | 4.2350% | 3,568 |
| Cash dividends to net income (ytd only)* | 38.6722% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 2,765 |
| Loan loss allowance to noncurrent loans | 344.5796% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 3,381 |
| Noncurrent loans to loans | 0.3343% | 3,338 |
| Net loans and leases to total assets | 74.2588% | 1,766 |
| Net loans and leases to deposits | 85.4275% | 2,270 |
| Net loans and leases to core deposits | 87.6071% | 2,769 |
| Total domestic deposits to total assets | 86.9260% | 1,557 |
| Equity capital to assets | 9.9893% | 4,029 |
| Core capital (leverage) ratio | 9.2823% | 4,391 |
| Tier 1 risk-based capital ratio | 11.9323% | 4,448 |
| Total risk-based capital ratio | 13.9202% | 3,918 |
| Memoranda: | ||
| Average total assets | $356,282,500 | 1,902 |
| Average earning assets | $331,243,750 | 1,891 |
| Average equity | $34,431,000 | 2,183 |
| Average total loans | $270,345,750 | 1,742 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 2,068 |
| Cost of funding earning assets | 0.9757% | 1,810 |
| Net interest margin | 3.8210% | 2,514 |
| Noninterest income to average assets | 0.6168% | 2,077 |
| Noninterest expense to average assets | 2.3304% | 3,928 |
| Loan and lease loss provision to assets | 0.4422% | 276 |
| Net operating income to assets | 1.0517% | 2,715 |
| Return on assets (ROA) | 1.0517% | 2,786 |
| Pretax return on assets | 1.3981% | 2,215 |
| Return on Equity (ROE) | 11.0077% | 1,968 |
| Retained earnings to average equity (ytd only) | 4.9349% | 2,801 |
| Net charge-offs to loans | -0.0015% | 3,918 |
| Credit loss provision to net charge-offs | -39,250.0000% | 4,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1053% | 4,356 |
| Assets per employee ($millions) | 4.2783% | 3,471 |
| Cash dividends to net income (ytd only)* | 55.1687% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,318 |
| Loan loss allowance to noncurrent loans | 345.8237% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 3,451 |
| Noncurrent loans to loans | 0.3047% | 3,455 |
| Net loans and leases to total assets | 76.0812% | 1,537 |
| Net loans and leases to deposits | 87.6451% | 2,047 |
| Net loans and leases to core deposits | 89.6837% | 2,623 |
| Total domestic deposits to total assets | 86.8060% | 1,679 |
| Equity capital to assets | 9.4914% | 4,410 |
| Core capital (leverage) ratio | 9.1347% | 4,520 |
| Tier 1 risk-based capital ratio | 11.3864% | 4,742 |
| Total risk-based capital ratio | 13.2941% | 4,277 |
| Memoranda: | ||
| Average total assets | $355,051,670 | 1,912 |
| Average earning assets | $330,230,670 | 1,905 |
| Average equity | $33,921,670 | 2,201 |
| Average total loans | $270,318,330 | 1,753 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 1,786 |
| Cost of funding earning assets | 0.9383% | 1,846 |
| Net interest margin | 3.9039% | 2,176 |
| Noninterest income to average assets | 0.3695% | 3,378 |
| Noninterest expense to average assets | 2.4027% | 3,766 |
| Loan and lease loss provision to assets | 0.0861% | 1,984 |
| Net operating income to assets | 1.1359% | 2,325 |
| Return on assets (ROA) | 1.1359% | 2,374 |
| Pretax return on assets | 1.5088% | 1,731 |
| Return on Equity (ROE) | 11.8487% | 1,593 |
| Retained earnings to average equity (ytd only) | 0.9575% | 4,317 |
| Net charge-offs to loans | -0.0015% | 3,834 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2997% | 3,908 |
| Assets per employee ($millions) | 4.0517% | 3,846 |
| Cash dividends to net income (ytd only)* | 91.9192% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8552% | 4,325 |
| Loan loss allowance to noncurrent loans | 469.9793% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 3,958 |
| Noncurrent loans to loans | 0.1820% | 3,937 |
| Net loans and leases to total assets | 74.6591% | 1,695 |
| Net loans and leases to deposits | 86.7710% | 2,027 |
| Net loans and leases to core deposits | 88.8767% | 2,605 |
| Total domestic deposits to total assets | 86.0416% | 2,267 |
| Equity capital to assets | 9.5566% | 4,202 |
| Core capital (leverage) ratio | 9.1513% | 4,521 |
| Tier 1 risk-based capital ratio | 11.6998% | 4,624 |
| Total risk-based capital ratio | 13.4482% | 4,227 |
| Memoranda: | ||
| Average total assets | $348,611,500 | 1,956 |
| Average earning assets | $323,987,000 | 1,944 |
| Average equity | $33,421,500 | 2,223 |
| Average total loans | $264,023,500 | 1,786 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 2,378 |
| Cost of funding earning assets | 0.7599% | 1,739 |
| Net interest margin | 3.7671% | 2,796 |
| Noninterest income to average assets | 0.3620% | 3,678 |
| Noninterest expense to average assets | 2.3976% | 3,887 |
| Loan and lease loss provision to assets | 0.1246% | 1,770 |
| Net operating income to assets | 1.0008% | 3,005 |
| Return on assets (ROA) | 1.0006% | 2,993 |
| Pretax return on assets | 1.3317% | 2,394 |
| Return on Equity (ROE) | 11.2413% | 1,992 |
| Retained earnings to average equity (ytd only) | 9.2572% | 792 |
| Net charge-offs to loans | 0.0319% | 2,764 |
| Credit loss provision to net charge-offs | 531.3253% | 656 |
| Earnings coverage of net charge-offs (x) | 62.1084% | 1,003 |
| Efficiency ratio | 61.4809% | 3,631 |
| Assets per employee ($millions) | 4.0556% | 3,817 |
| Cash dividends to net income (ytd only)* | 17.6504% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 4,416 |
| Loan loss allowance to noncurrent loans | 481.1404% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 3,872 |
| Noncurrent loans to loans | 0.1736% | 3,972 |
| Net loans and leases to total assets | 75.5417% | 1,687 |
| Net loans and leases to deposits | 87.4908% | 2,117 |
| Net loans and leases to core deposits | 89.3164% | 2,624 |
| Total domestic deposits to total assets | 86.3424% | 2,073 |
| Equity capital to assets | 9.6181% | 4,030 |
| Core capital (leverage) ratio | 9.2899% | 4,359 |
| Tier 1 risk-based capital ratio | 11.8595% | 4,529 |
| Total risk-based capital ratio | 13.6098% | 4,083 |
| Memoranda: | ||
| Average total assets | $353,898,800 | 1,907 |
| Average earning assets | $328,075,400 | 1,900 |
| Average equity | $31,499,800 | 2,252 |
| Average total loans | $260,543,800 | 1,775 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 2,409 |
| Cost of funding earning assets | 0.7261% | 1,717 |
| Net interest margin | 3.7402% | 2,860 |
| Noninterest income to average assets | 0.3500% | 3,795 |
| Noninterest expense to average assets | 2.3702% | 3,925 |
| Loan and lease loss provision to assets | 0.1370% | 1,464 |
| Net operating income to assets | 0.9855% | 3,147 |
| Return on assets (ROA) | 0.9852% | 3,158 |
| Pretax return on assets | 1.3075% | 2,596 |
| Return on Equity (ROE) | 11.2889% | 2,058 |
| Retained earnings to average equity (ytd only) | 9.1873% | 1,157 |
| Net charge-offs to loans | 0.0318% | 2,453 |
| Credit loss provision to net charge-offs | 590.3226% | 608 |
| Earnings coverage of net charge-offs (x) | 62.2616% | 1,037 |
| Efficiency ratio | 61.4109% | 3,597 |
| Assets per employee ($millions) | 4.1608% | 3,631 |
| Cash dividends to net income (ytd only)* | 18.6171% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 4,532 |
| Loan loss allowance to noncurrent loans | 420.4322% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 4,112 |
| Noncurrent loans to loans | 0.1966% | 4,005 |
| Net loans and leases to total assets | 72.5845% | 2,234 |
| Net loans and leases to deposits | 83.8359% | 2,618 |
| Net loans and leases to core deposits | 85.6965% | 3,023 |
| Total domestic deposits to total assets | 86.5793% | 1,924 |
| Equity capital to assets | 9.0146% | 4,536 |
| Core capital (leverage) ratio | 8.7247% | 4,941 |
| Tier 1 risk-based capital ratio | 11.5316% | 4,775 |
| Total risk-based capital ratio | 13.2682% | 4,378 |
| Memoranda: | ||
| Average total assets | $356,192,250 | 1,901 |
| Average earning assets | $329,990,500 | 1,900 |
| Average equity | $31,085,750 | 2,276 |
| Average total loans | $260,028,500 | 1,783 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 2,456 |
| Cost of funding earning assets | 0.6876% | 1,698 |
| Net interest margin | 3.7020% | 2,919 |
| Noninterest income to average assets | 0.3557% | 3,785 |
| Noninterest expense to average assets | 2.3718% | 3,971 |
| Loan and lease loss provision to assets | 0.1490% | 1,277 |
| Net operating income to assets | 0.9488% | 3,243 |
| Return on assets (ROA) | 0.9484% | 3,253 |
| Pretax return on assets | 1.2604% | 2,676 |
| Return on Equity (ROE) | 10.9863% | 2,122 |
| Retained earnings to average equity (ytd only) | 10.2075% | 868 |
| Net charge-offs to loans | 0.0292% | 2,276 |
| Credit loss provision to net charge-offs | 700.0000% | 554 |
| Earnings coverage of net charge-offs (x) | 66.2368% | 943 |
| Efficiency ratio | 62.0353% | 3,620 |
| Assets per employee ($millions) | 4.2871% | 3,442 |
| Cash dividends to net income (ytd only)* | 7.0880% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7719% | 4,775 |
| Loan loss allowance to noncurrent loans | 499.7579% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 4,123 |
| Noncurrent loans to loans | 0.1545% | 4,211 |
| Net loans and leases to total assets | 74.5641% | 1,856 |
| Net loans and leases to deposits | 85.8635% | 2,332 |
| Net loans and leases to core deposits | 87.8052% | 2,737 |
| Total domestic deposits to total assets | 86.8403% | 1,912 |
| Equity capital to assets | 8.8222% | 4,701 |
| Core capital (leverage) ratio | 8.5138% | 5,099 |
| Tier 1 risk-based capital ratio | 10.9820% | 5,064 |
| Total risk-based capital ratio | 12.6522% | 4,744 |
| Memoranda: | ||
| Average total assets | $357,033,330 | 1,904 |
| Average earning assets | $330,419,670 | 1,906 |
| Average equity | $30,820,330 | 2,297 |
| Average total loans | $260,421,670 | 1,788 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 2,552 |
| Cost of funding earning assets | 0.6358% | 1,804 |
| Net interest margin | 3.6560% | 2,966 |
| Noninterest income to average assets | 0.3422% | 3,859 |
| Noninterest expense to average assets | 2.3745% | 4,010 |
| Loan and lease loss provision to assets | 0.2136% | 752 |
| Net operating income to assets | 0.8531% | 3,488 |
| Return on assets (ROA) | 0.8523% | 3,506 |
| Pretax return on assets | 1.1296% | 3,053 |
| Return on Equity (ROE) | 9.9822% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.9822% | 1,164 |
| Net charge-offs to loans | 0.0125% | 2,310 |
| Credit loss provision to net charge-offs | 2,387.5000% | 157 |
| Earnings coverage of net charge-offs (x) | 150.2500% | 432 |
| Efficiency ratio | 63.2180% | 3,602 |
| Assets per employee ($millions) | 4.1161% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 4,871 |
| Loan loss allowance to noncurrent loans | 429.5745% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 4,144 |
| Noncurrent loans to loans | 0.1789% | 4,166 |
| Net loans and leases to total assets | 72.8141% | 2,049 |
| Net loans and leases to deposits | 85.6062% | 2,216 |
| Net loans and leases to core deposits | 95.3776% | 2,026 |
| Total domestic deposits to total assets | 85.0570% | 2,912 |
| Equity capital to assets | 8.5764% | 4,921 |
| Core capital (leverage) ratio | 8.1931% | 5,319 |
| Tier 1 risk-based capital ratio | 10.7088% | 5,280 |
| Total risk-based capital ratio | 12.3794% | 4,966 |
| Memoranda: | ||
| Average total assets | $357,636,000 | 1,908 |
| Average earning assets | $330,307,000 | 1,921 |
| Average equity | $30,534,500 | 2,335 |
| Average total loans | $256,940,500 | 1,813 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1500% | 5,239 |
| Cost of funding earning assets | 0.5081% | 2,261 |
| Net interest margin | 2.6419% | 5,322 |
| Noninterest income to average assets | 0.3155% | 4,203 |
| Noninterest expense to average assets | 2.1662% | 4,608 |
| Loan and lease loss provision to assets | 0.0339% | 3,584 |
| Net operating income to assets | 0.1322% | 5,218 |
| Return on assets (ROA) | 0.1284% | 5,228 |
| Pretax return on assets | 0.5362% | 4,869 |
| Return on Equity (ROE) | 1.4860% | 5,157 |
| Retained earnings to average equity (ytd only) | 1.0770% | 4,601 |
| Net charge-offs to loans | -0.0064% | 4,692 |
| Credit loss provision to net charge-offs | -766.6667% | 5,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9321% | 1,231 |
| Assets per employee ($millions) | 3.9686% | 4,016 |
| Cash dividends to net income (ytd only)* | 27.5229% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7311% | 5,002 |
| Loan loss allowance to noncurrent loans | 326.1101% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 4,059 |
| Noncurrent loans to loans | 0.2242% | 4,008 |
| Net loans and leases to total assets | 69.7923% | 2,549 |
| Net loans and leases to deposits | 80.3169% | 2,877 |
| Net loans and leases to core deposits | 90.3175% | 2,535 |
| Total domestic deposits to total assets | 86.8962% | 2,045 |
| Equity capital to assets | 8.4993% | 5,126 |
| Core capital (leverage) ratio | 8.2476% | 5,322 |
| Tier 1 risk-based capital ratio | 10.8081% | 5,253 |
| Total risk-based capital ratio | 12.4756% | 4,905 |
| Memoranda: | ||
| Average total assets | $339,436,000 | 1,963 |
| Average earning assets | $311,779,800 | 1,980 |
| Average equity | $29,340,000 | 2,402 |
| Average total loans | $233,784,000 | 1,915 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1648% | 5,719 |
| Cost of funding earning assets | 0.1497% | 5,314 |
| Net interest margin | 1.0151% | 5,719 |
| Noninterest income to average assets | 0.0581% | 5,586 |
| Noninterest expense to average assets | 0.5859% | 5,716 |
| Loan and lease loss provision to assets | 0.0356% | 3,402 |
| Net operating income to assets | 0.2313% | 5,323 |
| Return on assets (ROA) | 0.2313% | 5,337 |
| Pretax return on assets | 0.3535% | 5,255 |
| Return on Equity (ROE) | 2.6002% | 5,202 |
| Retained earnings to average equity (ytd only) | 2.3336% | 4,479 |
| Net charge-offs to loans | -0.0342% | 5,040 |
| Credit loss provision to net charge-offs | -136.3636% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3674% | 4,312 |
| Assets per employee ($millions) | 4.8653% | 2,612 |
| Cash dividends to net income (ytd only)* | 10.2581% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0174% | 5,684 |
| 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 | 77.1079% | 1,408 |
| Net loans and leases to deposits | 90.6470% | 1,732 |
| Net loans and leases to core deposits | 96.1854% | 2,050 |
| Total domestic deposits to total assets | 85.0638% | 2,689 |
| Equity capital to assets | 10.5502% | 3,313 |
| Core capital (leverage) ratio | 8.5834% | 5,183 |
| Tier 1 risk-based capital ratio | 10.6441% | 5,397 |
| Total risk-based capital ratio | 13.3533% | 4,438 |
| Memoranda: | ||
| Average total assets | $112,408,500 | 4,063 |
| Average earning assets | $101,531,750 | 4,110 |
| Average equity | $9,998,750 | 4,488 |
| Average total loans | $85,825,250 | 3,642 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 963 |
| Cost of funding earning assets | 0.6956% | 911 |
| Net interest margin | 4.0562% | 1,446 |
| Noninterest income to average assets | 0.2754% | 4,581 |
| Noninterest expense to average assets | 2.5458% | 3,597 |
| Loan and lease loss provision to assets | 0.0266% | 3,468 |
| Net operating income to assets | 1.3715% | 1,129 |
| Return on assets (ROA) | 1.3715% | 1,154 |
| Pretax return on assets | 1.3804% | 2,099 |
| Return on Equity (ROE) | 16.4319% | 468 |
| Retained earnings to average equity (ytd only) | 0.6385% | 4,939 |
| Net charge-offs to loans | 0.0047% | 3,316 |
| Credit loss provision to net charge-offs | 750.0000% | 473 |
| Earnings coverage of net charge-offs (x) | 396.0000% | 212 |
| Efficiency ratio | 64.4045% | 3,606 |
| Assets per employee ($millions) | 5.2952% | 2,063 |
| Cash dividends to net income (ytd only)* | 96.1140% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 4,181 |
| 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 | 78.9442% | 1,100 |
| Net loans and leases to deposits | 90.0251% | 1,726 |
| Net loans and leases to core deposits | 102.7266% | 1,453 |
| Total domestic deposits to total assets | 87.6913% | 1,620 |
| Equity capital to assets | 7.9875% | 5,541 |
| Core capital (leverage) ratio | 8.2466% | 5,397 |
| Tier 1 risk-based capital ratio | 10.1281% | 5,595 |
| Total risk-based capital ratio | 13.8539% | 4,147 |
| Memoranda: | ||
| Average total assets | $112,577,000 | 4,088 |
| Average earning assets | $102,065,000 | 4,130 |
| Average equity | $9,396,330 | 4,609 |
| Average total loans | $85,666,670 | 3,663 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 1,284 |
| Cost of funding earning assets | 0.7434% | 680 |
| Net interest margin | 3.7938% | 2,137 |
| Noninterest income to average assets | 0.3074% | 4,360 |
| Noninterest expense to average assets | 2.4408% | 3,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2548% | 1,365 |
| Return on assets (ROA) | 1.2548% | 1,398 |
| Pretax return on assets | 1.2620% | 2,379 |
| Return on Equity (ROE) | 14.7003% | 689 |
| Retained earnings to average equity (ytd only) | 14.7003% | 252 |
| Net charge-offs to loans | -0.0146% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9180% | 3,513 |
| Assets per employee ($millions) | 5.3105% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,908 |
| 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 | 76.1056% | 1,401 |
| Net loans and leases to deposits | 90.3529% | 1,496 |
| Net loans and leases to core deposits | 94.6198% | 1,917 |
| Total domestic deposits to total assets | 84.2315% | 3,380 |
| Equity capital to assets | 8.6236% | 5,130 |
| Core capital (leverage) ratio | 8.4411% | 5,272 |
| Tier 1 risk-based capital ratio | 11.0736% | 5,270 |
| Total risk-based capital ratio | 15.0028% | 3,534 |
| Memoranda: | ||
| Average total assets | $110,618,000 | 4,161 |
| Average earning assets | $99,003,000 | 4,216 |
| Average equity | $9,442,000 | 4,634 |
| Average total loans | $82,055,500 | 3,766 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 992 |
| Cost of funding earning assets | 0.6855% | 883 |
| Net interest margin | 4.0508% | 1,493 |
| Noninterest income to average assets | 0.6154% | 2,577 |
| Noninterest expense to average assets | 2.7496% | 3,193 |
| Loan and lease loss provision to assets | 0.1494% | 1,669 |
| Net operating income to assets | 1.3337% | 1,130 |
| Return on assets (ROA) | 1.3337% | 1,187 |
| Pretax return on assets | 1.3417% | 2,133 |
| Return on Equity (ROE) | 14.6700% | 674 |
| Retained earnings to average equity (ytd only) | 7.3677% | 1,091 |
| Net charge-offs to loans | -0.0075% | 4,877 |
| Credit loss provision to net charge-offs | -2,516.6667% | 5,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8390% | 3,792 |
| Assets per employee ($millions) | 5.2246% | 2,142 |
| Cash dividends to net income (ytd only)* | 49.7774% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 3,357 |
| 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 | 70.5594% | 2,397 |
| Net loans and leases to deposits | 81.7373% | 2,698 |
| Net loans and leases to core deposits | 88.6963% | 2,612 |
| Total domestic deposits to total assets | 86.3247% | 2,446 |
| Equity capital to assets | 8.4464% | 5,308 |
| Core capital (leverage) ratio | 8.7831% | 4,986 |
| Tier 1 risk-based capital ratio | 11.6227% | 4,976 |
| Total risk-based capital ratio | 15.8995% | 3,065 |
| Memoranda: | ||
| Average total assets | $101,069,000 | 4,336 |
| Average earning assets | $90,450,200 | 4,372 |
| Average equity | $9,188,800 | 4,717 |
| Average total loans | $79,579,600 | 3,808 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8156% | 869 |
| Cost of funding earning assets | 0.6693% | 951 |
| Net interest margin | 4.1464% | 1,262 |
| Noninterest income to average assets | 0.7320% | 2,035 |
| Noninterest expense to average assets | 2.5464% | 3,842 |
| Loan and lease loss provision to assets | 0.1833% | 1,196 |
| Net operating income to assets | 1.7497% | 539 |
| Return on assets (ROA) | 1.7497% | 568 |
| Pretax return on assets | 1.7605% | 978 |
| Return on Equity (ROE) | 18.8742% | 303 |
| Retained earnings to average equity (ytd only) | 9.8588% | 599 |
| Net charge-offs to loans | -0.0067% | 4,673 |
| Credit loss provision to net charge-offs | -3,400.0000% | 5,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7097% | 4,993 |
| Assets per employee ($millions) | 4.9199% | 2,463 |
| Cash dividends to net income (ytd only)* | 47.7661% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 3,247 |
| 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 | 71.2799% | 2,302 |
| Net loans and leases to deposits | 82.8636% | 2,625 |
| Net loans and leases to core deposits | 88.0447% | 2,755 |
| Total domestic deposits to total assets | 86.0208% | 2,335 |
| Equity capital to assets | 8.9684% | 5,207 |
| Core capital (leverage) ratio | 8.5926% | 5,272 |
| Tier 1 risk-based capital ratio | 12.1270% | 4,712 |
| Total risk-based capital ratio | 16.5676% | 2,837 |
| Memoranda: | ||
| Average total assets | $98,907,250 | 4,397 |
| Average earning assets | $89,650,000 | 4,431 |
| Average equity | $9,169,250 | 4,772 |
| Average total loans | $79,893,250 | 3,828 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 813 |
| Cost of funding earning assets | 0.6212% | 1,186 |
| Net interest margin | 4.2199% | 1,076 |
| Noninterest income to average assets | 0.9216% | 1,311 |
| Noninterest expense to average assets | 2.4529% | 4,168 |
| Loan and lease loss provision to assets | 0.2484% | 781 |
| Net operating income to assets | 2.0444% | 303 |
| Return on assets (ROA) | 2.0444% | 317 |
| Pretax return on assets | 2.0547% | 517 |
| Return on Equity (ROE) | 21.8015% | 165 |
| Retained earnings to average equity (ytd only) | 9.6312% | 676 |
| Net charge-offs to loans | 0.0049% | 3,528 |
| Credit loss provision to net charge-offs | 6,050.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 561.0000% | 115 |
| Efficiency ratio | 51.5753% | 5,469 |
| Assets per employee ($millions) | 5.1034% | 2,194 |
| Cash dividends to net income (ytd only)* | 55.8233% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 4,404 |
| 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 | 78.9199% | 1,073 |
| Net loans and leases to deposits | 91.9588% | 1,523 |
| Net loans and leases to core deposits | 97.5132% | 1,851 |
| Total domestic deposits to total assets | 85.8209% | 2,509 |
| Equity capital to assets | 8.4929% | 5,598 |
| Core capital (leverage) ratio | 9.0422% | 4,778 |
| Tier 1 risk-based capital ratio | 10.9369% | 5,454 |
| Total risk-based capital ratio | 14.9886% | 3,677 |
| Memoranda: | ||
| Average total assets | $97,437,000 | 4,467 |
| Average earning assets | $88,533,330 | 4,497 |
| Average equity | $9,137,000 | 4,813 |
| Average total loans | $81,678,330 | 3,805 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 600 |
| Cost of funding earning assets | 0.5103% | 2,026 |
| Net interest margin | 4.4735% | 640 |
| Noninterest income to average assets | 1.4648% | 526 |
| Noninterest expense to average assets | 2.4414% | 4,254 |
| Loan and lease loss provision to assets | 0.4580% | 285 |
| Net operating income to assets | 2.6056% | 135 |
| Return on assets (ROA) | 2.6056% | 140 |
| Pretax return on assets | 2.6186% | 202 |
| Return on Equity (ROE) | 26.3477% | 85 |
| Retained earnings to average equity (ytd only) | 24.5999% | 50 |
| Net charge-offs to loans | 0.1003% | 1,526 |
| Credit loss provision to net charge-offs | 530.0000% | 581 |
| Earnings coverage of net charge-offs (x) | 35.6000% | 1,078 |
| Efficiency ratio | 44.2443% | 5,866 |
| Assets per employee ($millions) | 4.4501% | 3,162 |
| Cash dividends to net income (ytd only)* | 6.6335% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 4,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 86.4540% | 195 |
| Net loans and leases to deposits | 103.7271% | 427 |
| Net loans and leases to core deposits | 109.0412% | 905 |
| Total domestic deposits to total assets | 83.3476% | 3,771 |
| Equity capital to assets | 10.1057% | 3,939 |
| Core capital (leverage) ratio | 10.1933% | 3,324 |
| Tier 1 risk-based capital ratio | 11.8713% | 4,995 |
| Total risk-based capital ratio | 16.0685% | 3,176 |
| Memoranda: | ||
| Average total assets | $92,569,500 | 4,606 |
| Average earning assets | $83,871,000 | 4,626 |
| Average equity | $9,154,500 | 4,829 |
| Average total loans | $79,791,500 | 3,861 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 733 |
| Cost of funding earning assets | 0.5321% | 1,908 |
| Net interest margin | 4.3890% | 815 |
| Noninterest income to average assets | 0.1621% | 5,614 |
| Noninterest expense to average assets | 2.7873% | 3,289 |
| Loan and lease loss provision to assets | -0.0728% | 5,794 |
| Net operating income to assets | 1.4311% | 980 |
| Return on assets (ROA) | 1.4311% | 1,012 |
| Pretax return on assets | 1.4311% | 1,786 |
| Return on Equity (ROE) | 15.2026% | 655 |
| Retained earnings to average equity (ytd only) | 7.7067% | 1,013 |
| Net charge-offs to loans | -0.0606% | 5,616 |
| Credit loss provision to net charge-offs | 146.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2340% | 3,708 |
| Assets per employee ($millions) | 4.3660% | 3,276 |
| Cash dividends to net income (ytd only)* | 49.3066% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 4,791 |
| 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 | 84.1973% | 374 |
| Net loans and leases to deposits | 99.6399% | 700 |
| Net loans and leases to core deposits | 104.1851% | 1,209 |
| Total domestic deposits to total assets | 84.5016% | 3,286 |
| Equity capital to assets | 9.6688% | 4,343 |
| Core capital (leverage) ratio | 9.3014% | 4,471 |
| Tier 1 risk-based capital ratio | 11.4734% | 5,271 |
| Total risk-based capital ratio | 15.6835% | 3,387 |
| Memoranda: | ||
| Average total assets | $90,698,200 | 4,654 |
| Average earning assets | $82,319,000 | 4,666 |
| Average equity | $8,538,000 | 4,952 |
| Average total loans | $74,264,400 | 3,988 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 870 |
| Cost of funding earning assets | 0.5375% | 1,910 |
| Net interest margin | 4.3036% | 950 |
| Noninterest income to average assets | 0.1518% | 5,730 |
| Noninterest expense to average assets | 2.5560% | 4,028 |
| Loan and lease loss provision to assets | -0.1194% | 6,031 |
| Net operating income to assets | 1.6215% | 736 |
| Return on assets (ROA) | 1.6215% | 764 |
| Pretax return on assets | 1.6333% | 1,286 |
| Return on Equity (ROE) | 17.3437% | 444 |
| Retained earnings to average equity (ytd only) | 8.5142% | 1,054 |
| Net charge-offs to loans | -0.0800% | 5,708 |
| Credit loss provision to net charge-offs | 184.0909% | 1,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8033% | 4,441 |
| Assets per employee ($millions) | 4.6856% | 2,729 |
| Cash dividends to net income (ytd only)* | 50.9092% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 4,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 81.1806% | 680 |
| Net loans and leases to deposits | 95.0582% | 1,088 |
| Net loans and leases to core deposits | 99.5629% | 1,553 |
| Total domestic deposits to total assets | 85.4010% | 2,824 |
| Equity capital to assets | 9.3104% | 4,995 |
| Core capital (leverage) ratio | 9.6022% | 4,163 |
| Tier 1 risk-based capital ratio | 11.8207% | 5,185 |
| Total risk-based capital ratio | 16.0437% | 3,343 |
| Memoranda: | ||
| Average total assets | $90,451,000 | 4,710 |
| Average earning assets | $82,348,500 | 4,729 |
| Average equity | $8,456,250 | 5,031 |
| Average total loans | $73,342,750 | 4,049 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 936 |
| Cost of funding earning assets | 0.5566% | 1,765 |
| Net interest margin | 4.2171% | 1,074 |
| Noninterest income to average assets | 0.1790% | 5,624 |
| Noninterest expense to average assets | 2.6677% | 3,697 |
| Loan and lease loss provision to assets | -0.2149% | 6,190 |
| Net operating income to assets | 1.5644% | 807 |
| Return on assets (ROA) | 1.5644% | 835 |
| Pretax return on assets | 1.5756% | 1,405 |
| Return on Equity (ROE) | 16.7092% | 525 |
| Retained earnings to average equity (ytd only) | 5.0916% | 2,803 |
| Net charge-offs to loans | 0.0139% | 3,445 |
| Credit loss provision to net charge-offs | -1,920.0000% | 5,474 |
| Earnings coverage of net charge-offs (x) | 121.6000% | 520 |
| Efficiency ratio | 66.2222% | 3,970 |
| Assets per employee ($millions) | 5.0618% | 2,192 |
| Cash dividends to net income (ytd only)* | 69.5279% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 5,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5916% | 3,639 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 84.9493% | 295 |
| Net loans and leases to deposits | 100.3501% | 632 |
| Net loans and leases to core deposits | 106.0202% | 1,070 |
| Total domestic deposits to total assets | 84.6530% | 3,269 |
| Equity capital to assets | 9.2172% | 4,997 |
| Core capital (leverage) ratio | 9.3556% | 4,480 |
| Tier 1 risk-based capital ratio | 11.2726% | 5,587 |
| Total risk-based capital ratio | 15.3707% | 3,784 |
| Memoranda: | ||
| Average total assets | $89,364,000 | 4,785 |
| Average earning assets | $81,573,000 | 4,789 |
| Average equity | $8,366,670 | 5,083 |
| Average total loans | $72,186,000 | 4,101 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6943% | 1,042 |
| Cost of funding earning assets | 0.5581% | 1,769 |
| Net interest margin | 4.1362% | 1,191 |
| Noninterest income to average assets | 0.1718% | 5,688 |
| Noninterest expense to average assets | 2.8433% | 3,090 |
| Loan and lease loss provision to assets | -0.4339% | 6,341 |
| Net operating income to assets | 1.5007% | 848 |
| Return on assets (ROA) | 1.5007% | 899 |
| Pretax return on assets | 1.5143% | 1,517 |
| Return on Equity (ROE) | 15.9023% | 583 |
| Retained earnings to average equity (ytd only) | 15.9023% | 225 |
| Net charge-offs to loans | 0.0347% | 2,516 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | 39.8333% | 975 |
| Efficiency ratio | 72.4654% | 3,091 |
| Assets per employee ($millions) | 4.9414% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 5,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 3,662 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 78.1550% | 898 |
| Net loans and leases to deposits | 90.9846% | 1,296 |
| Net loans and leases to core deposits | 96.0683% | 1,608 |
| Total domestic deposits to total assets | 85.8992% | 2,997 |
| Equity capital to assets | 9.5756% | 4,664 |
| Core capital (leverage) ratio | 9.6157% | 4,127 |
| Tier 1 risk-based capital ratio | 12.7464% | 4,757 |
| Total risk-based capital ratio | 17.3154% | 2,825 |
| Memoranda: | ||
| Average total assets | $88,490,000 | 4,849 |
| Average earning assets | $80,267,000 | 4,860 |
| Average equity | $8,351,000 | 5,128 |
| Average total loans | $69,243,000 | 4,197 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9399% | 861 |
| Cost of funding earning assets | 0.6297% | 1,550 |
| Net interest margin | 4.3102% | 1,038 |
| Noninterest income to average assets | 0.1444% | 5,973 |
| Noninterest expense to average assets | 2.6532% | 4,034 |
| Loan and lease loss provision to assets | 0.0699% | 3,087 |
| Net operating income to assets | 1.2591% | 1,404 |
| Return on assets (ROA) | 1.2591% | 1,461 |
| Pretax return on assets | 1.2719% | 2,341 |
| Return on Equity (ROE) | 13.8143% | 967 |
| Retained earnings to average equity (ytd only) | 9.5461% | 596 |
| Net charge-offs to loans | -0.0708% | 6,025 |
| Credit loss provision to net charge-offs | -125.0000% | 5,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4140% | 4,174 |
| Assets per employee ($millions) | 4.8908% | 2,470 |
| Cash dividends to net income (ytd only)* | 30.8973% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 4,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7213% | 3,406 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 76.7024% | 1,170 |
| Net loans and leases to deposits | 89.0949% | 1,608 |
| Net loans and leases to core deposits | 96.0226% | 1,722 |
| Total domestic deposits to total assets | 86.0908% | 2,788 |
| Equity capital to assets | 9.2974% | 4,956 |
| Core capital (leverage) ratio | 9.1507% | 4,752 |
| Tier 1 risk-based capital ratio | 12.8059% | 4,852 |
| Total risk-based capital ratio | 17.7405% | 2,669 |
| Memoranda: | ||
| Average total assets | $85,857,200 | 4,925 |
| Average earning assets | $76,702,200 | 4,966 |
| Average equity | $7,825,200 | 5,243 |
| Average total loans | $67,819,600 | 4,237 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0247% | 735 |
| Cost of funding earning assets | 0.6375% | 1,542 |
| Net interest margin | 4.3871% | 901 |
| Noninterest income to average assets | 0.1563% | 5,975 |
| Noninterest expense to average assets | 2.4802% | 4,590 |
| Loan and lease loss provision to assets | 0.0703% | 2,942 |
| Net operating income to assets | 1.4972% | 950 |
| Return on assets (ROA) | 1.4972% | 978 |
| Pretax return on assets | 1.5097% | 1,616 |
| Return on Equity (ROE) | 16.5127% | 617 |
| Retained earnings to average equity (ytd only) | 10.7557% | 555 |
| Net charge-offs to loans | -0.0945% | 6,123 |
| Credit loss provision to net charge-offs | -93.7500% | 5,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0855% | 5,024 |
| Assets per employee ($millions) | 4.8935% | 2,386 |
| Cash dividends to net income (ytd only)* | 34.8642% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 4,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 3,647 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 73.9689% | 1,527 |
| Net loans and leases to deposits | 85.8114% | 1,925 |
| Net loans and leases to core deposits | 94.1736% | 1,847 |
| Total domestic deposits to total assets | 86.1994% | 2,757 |
| Equity capital to assets | 9.1527% | 5,209 |
| Core capital (leverage) ratio | 9.0884% | 4,947 |
| Tier 1 risk-based capital ratio | 13.3765% | 4,619 |
| Total risk-based capital ratio | 18.5747% | 2,419 |
| Memoranda: | ||
| Average total assets | $85,312,750 | 4,989 |
| Average earning assets | $75,916,750 | 5,042 |
| Average equity | $7,735,250 | 5,305 |
| Average total loans | $67,699,750 | 4,286 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0787% | 646 |
| Cost of funding earning assets | 0.6388% | 1,597 |
| Net interest margin | 4.4399% | 794 |
| Noninterest income to average assets | 0.1801% | 5,867 |
| Noninterest expense to average assets | 2.5382% | 4,457 |
| Loan and lease loss provision to assets | 0.0711% | 2,854 |
| Net operating income to assets | 1.4954% | 876 |
| Return on assets (ROA) | 1.4954% | 908 |
| Pretax return on assets | 1.5073% | 1,513 |
| Return on Equity (ROE) | 16.5479% | 600 |
| Retained earnings to average equity (ytd only) | 7.7888% | 1,396 |
| Net charge-offs to loans | -0.1406% | 6,245 |
| Credit loss provision to net charge-offs | -62.5000% | 5,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6580% | 5,055 |
| Assets per employee ($millions) | 5.3364% | 1,839 |
| Cash dividends to net income (ytd only)* | 52.9319% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 5,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7000% | 3,882 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 77.3256% | 1,003 |
| Net loans and leases to deposits | 88.8727% | 1,494 |
| Net loans and leases to core deposits | 96.9150% | 1,527 |
| Total domestic deposits to total assets | 87.0071% | 2,451 |
| Equity capital to assets | 8.5263% | 5,778 |
| Core capital (leverage) ratio | 9.2954% | 4,597 |
| Tier 1 risk-based capital ratio | 11.8497% | 5,624 |
| Total risk-based capital ratio | 16.6355% | 3,362 |
| Memoranda: | ||
| Average total assets | $84,389,330 | 5,051 |
| Average earning assets | $74,822,000 | 5,115 |
| Average equity | $7,626,330 | 5,367 |
| Average total loans | $68,295,330 | 4,287 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1765% | 512 |
| Cost of funding earning assets | 0.6457% | 1,614 |
| Net interest margin | 4.5308% | 618 |
| Noninterest income to average assets | 0.1477% | 6,084 |
| Noninterest expense to average assets | 2.7824% | 3,631 |
| Loan and lease loss provision to assets | 0.0739% | 2,658 |
| Net operating income to assets | 1.3198% | 1,163 |
| Return on assets (ROA) | 1.3198% | 1,210 |
| Pretax return on assets | 1.3346% | 1,978 |
| Return on Equity (ROE) | 14.1574% | 918 |
| Retained earnings to average equity (ytd only) | 14.1574% | 382 |
| Net charge-offs to loans | -0.0060% | 4,866 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3925% | 4,467 |
| Assets per employee ($millions) | 5.2281% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 5,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7591% | 3,843 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 81.1536% | 441 |
| Net loans and leases to deposits | 94.4119% | 752 |
| Net loans and leases to core deposits | 103.2424% | 908 |
| Total domestic deposits to total assets | 85.9570% | 3,390 |
| Equity capital to assets | 9.2122% | 4,863 |
| Core capital (leverage) ratio | 9.4542% | 4,343 |
| Tier 1 risk-based capital ratio | 12.2228% | 5,493 |
| Total risk-based capital ratio | 17.0796% | 3,219 |
| Memoranda: | ||
| Average total assets | $81,224,500 | 5,183 |
| Average earning assets | $72,481,500 | 5,217 |
| Average equity | $7,572,000 | 5,405 |
| Average total loans | $66,996,500 | 4,357 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9716% | 968 |
| Cost of funding earning assets | 0.7221% | 1,667 |
| Net interest margin | 4.2495% | 1,222 |
| Noninterest income to average assets | 0.1139% | 6,339 |
| Noninterest expense to average assets | 2.4466% | 4,944 |
| Loan and lease loss provision to assets | 0.3367% | 954 |
| Net operating income to assets | 1.0235% | 2,234 |
| Return on assets (ROA) | 1.0235% | 2,293 |
| Pretax return on assets | 1.0368% | 3,206 |
| Return on Equity (ROE) | 11.2475% | 1,688 |
| Retained earnings to average equity (ytd only) | 7.4939% | 1,236 |
| Net charge-offs to loans | 0.3704% | 1,825 |
| Credit loss provision to net charge-offs | 120.3463% | 1,985 |
| Earnings coverage of net charge-offs (x) | 4.9091% | 3,424 |
| Efficiency ratio | 64.0457% | 4,887 |
| Assets per employee ($millions) | 5.2533% | 1,899 |
| Cash dividends to net income (ytd only)* | 33.3728% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 5,472 |
| Loan loss allowance to noncurrent loans | 9,514.2857% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 3,584 |
| Noncurrent loans to loans | 0.0107% | 6,251 |
| Net loans and leases to total assets | 82.1838% | 402 |
| Net loans and leases to deposits | 96.1858% | 717 |
| Net loans and leases to core deposits | 105.3779% | 828 |
| Total domestic deposits to total assets | 85.4427% | 3,532 |
| Equity capital to assets | 9.4392% | 4,506 |
| Core capital (leverage) ratio | 8.9985% | 5,009 |
| Tier 1 risk-based capital ratio | 12.4569% | 5,311 |
| Total risk-based capital ratio | 17.5582% | 2,913 |
| Memoranda: | ||
| Average total assets | $82,563,000 | 5,177 |
| Average earning assets | $72,009,000 | 5,256 |
| Average equity | $7,512,800 | 5,457 |
| Average total loans | $62,372,600 | 4,532 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 1,056 |
| Cost of funding earning assets | 0.7347% | 1,708 |
| Net interest margin | 4.2021% | 1,328 |
| Noninterest income to average assets | 0.1134% | 6,440 |
| Noninterest expense to average assets | 2.2306% | 5,531 |
| Loan and lease loss provision to assets | 0.1086% | 2,951 |
| Net operating income to assets | 1.4051% | 1,091 |
| Return on assets (ROA) | 1.4051% | 1,140 |
| Pretax return on assets | 1.4179% | 1,877 |
| Return on Equity (ROE) | 15.5786% | 701 |
| Retained earnings to average equity (ytd only) | 10.5863% | 669 |
| Net charge-offs to loans | 0.4674% | 1,376 |
| Credit loss provision to net charge-offs | 31.4815% | 3,866 |
| Earnings coverage of net charge-offs (x) | 4.4260% | 3,446 |
| Efficiency ratio | 59.3710% | 5,514 |
| Assets per employee ($millions) | 5.6555% | 1,495 |
| Cash dividends to net income (ytd only)* | 32.0455% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7490% | 6,372 |
| Loan loss allowance to noncurrent loans | 3,364.2857% | 180 |
| Noncurrent assets plus other real estate owned to assets | 1.0197% | 3,614 |
| Noncurrent loans to loans | 0.0223% | 6,286 |
| Net loans and leases to total assets | 73.5681% | 1,352 |
| Net loans and leases to deposits | 85.1572% | 1,723 |
| Net loans and leases to core deposits | 93.5682% | 1,612 |
| Total domestic deposits to total assets | 86.3909% | 3,034 |
| Equity capital to assets | 8.8091% | 5,412 |
| Core capital (leverage) ratio | 8.8741% | 5,285 |
| Tier 1 risk-based capital ratio | 12.8409% | 5,231 |
| Total risk-based capital ratio | 17.7397% | 2,904 |
| Memoranda: | ||
| Average total assets | $83,504,000 | 5,205 |
| Average earning assets | $72,407,000 | 5,295 |
| Average equity | $7,531,500 | 5,513 |
| Average total loans | $61,609,250 | 4,596 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 1,108 |
| Cost of funding earning assets | 0.7515% | 1,697 |
| Net interest margin | 4.1458% | 1,421 |
| Noninterest income to average assets | 0.1084% | 6,500 |
| Noninterest expense to average assets | 2.2923% | 5,392 |
| Loan and lease loss provision to assets | 0.1276% | 2,719 |
| Net operating income to assets | 1.2497% | 1,457 |
| Return on assets (ROA) | 1.2497% | 1,552 |
| Pretax return on assets | 1.2617% | 2,438 |
| Return on Equity (ROE) | 13.7465% | 1,063 |
| Retained earnings to average equity (ytd only) | 6.2773% | 2,274 |
| Net charge-offs to loans | 0.2157% | 2,469 |
| Credit loss provision to net charge-offs | 80.3030% | 2,618 |
| Earnings coverage of net charge-offs (x) | 8.7424% | 2,370 |
| Efficiency ratio | 62.2629% | 5,133 |
| Assets per employee ($millions) | 5.5332% | 1,553 |
| Cash dividends to net income (ytd only)* | 54.3353% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 6,074 |
| Loan loss allowance to noncurrent loans | 2,634.7826% | 227 |
| Noncurrent assets plus other real estate owned to assets | 1.0530% | 3,639 |
| Noncurrent loans to loans | 0.0350% | 6,299 |
| Net loans and leases to total assets | 78.5103% | 694 |
| Net loans and leases to deposits | 91.4760% | 1,014 |
| Net loans and leases to core deposits | 101.7997% | 954 |
| Total domestic deposits to total assets | 85.8262% | 3,460 |
| Equity capital to assets | 9.3014% | 4,855 |
| Core capital (leverage) ratio | 9.3784% | 4,418 |
| Tier 1 risk-based capital ratio | 13.1023% | 5,069 |
| Total risk-based capital ratio | 18.1701% | 2,714 |
| Memoranda: | ||
| Average total assets | $83,061,000 | 5,247 |
| Average earning assets | $71,590,000 | 5,346 |
| Average equity | $7,551,000 | 5,546 |
| Average total loans | $61,185,330 | 4,635 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8615% | 1,177 |
| Cost of funding earning assets | 0.7756% | 1,675 |
| Net interest margin | 4.0859% | 1,502 |
| Noninterest income to average assets | 0.1974% | 6,065 |
| Noninterest expense to average assets | 2.3107% | 5,392 |
| Loan and lease loss provision to assets | 0.1829% | 2,018 |
| Net operating income to assets | 1.1890% | 1,557 |
| Return on assets (ROA) | 1.1890% | 1,668 |
| Pretax return on assets | 1.2035% | 2,559 |
| Return on Equity (ROE) | 13.2324% | 1,111 |
| Retained earnings to average equity (ytd only) | -1.7679% | 6,053 |
| Net charge-offs to loans | 0.4483% | 1,335 |
| Credit loss provision to net charge-offs | 57.5758% | 2,492 |
| Earnings coverage of net charge-offs (x) | 4.3636% | 2,575 |
| Efficiency ratio | 62.5000% | 5,238 |
| Assets per employee ($millions) | 5.5014% | 1,671 |
| Cash dividends to net income (ytd only)* | 113.3603% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 5,994 |
| Loan loss allowance to noncurrent loans | 1,970.0000% | 263 |
| Noncurrent assets plus other real estate owned to assets | 2.2903% | 2,031 |
| Noncurrent loans to loans | 0.0506% | 6,329 |
| Net loans and leases to total assets | 71.0946% | 1,504 |
| Net loans and leases to deposits | 82.5984% | 1,757 |
| Net loans and leases to core deposits | 93.8268% | 1,359 |
| Total domestic deposits to total assets | 86.0726% | 3,492 |
| Equity capital to assets | 9.0280% | 5,448 |
| Core capital (leverage) ratio | 9.1095% | 4,708 |
| Tier 1 risk-based capital ratio | 12.4434% | 5,611 |
| Total risk-based capital ratio | 17.4058% | 3,132 |
| Memoranda: | ||
| Average total assets | $83,092,500 | 5,296 |
| Average earning assets | $71,171,000 | 5,407 |
| Average equity | $7,466,500 | 5,628 |
| Average total loans | $58,894,000 | 4,741 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2291% | 1,063 |
| Cost of funding earning assets | 0.9811% | 1,459 |
| Net interest margin | 4.2480% | 1,522 |
| Noninterest income to average assets | 0.2025% | 5,968 |
| Noninterest expense to average assets | 2.4722% | 5,180 |
| Loan and lease loss provision to assets | 0.2837% | 2,386 |
| Net operating income to assets | 1.1738% | 1,680 |
| Return on assets (ROA) | 1.2045% | 1,750 |
| Pretax return on assets | 1.2187% | 2,731 |
| Return on Equity (ROE) | 12.9345% | 1,244 |
| Retained earnings to average equity (ytd only) | 7.2982% | 1,429 |
| Net charge-offs to loans | 0.2776% | 3,274 |
| Credit loss provision to net charge-offs | 136.6460% | 2,024 |
| Earnings coverage of net charge-offs (x) | 7.0870% | 2,682 |
| Efficiency ratio | 62.6880% | 5,134 |
| Assets per employee ($millions) | 5.9760% | 1,294 |
| Cash dividends to net income (ytd only)* | 43.5760% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 5,730 |
| Loan loss allowance to noncurrent loans | 1,628.9474% | 321 |
| Noncurrent assets plus other real estate owned to assets | 1.0626% | 3,902 |
| Noncurrent loans to loans | 0.0649% | 6,326 |
| Net loans and leases to total assets | 69.2173% | 1,992 |
| Net loans and leases to deposits | 80.8257% | 2,174 |
| Net loans and leases to core deposits | 91.4604% | 1,681 |
| Total domestic deposits to total assets | 85.6378% | 3,535 |
| Equity capital to assets | 8.9441% | 5,586 |
| Core capital (leverage) ratio | 9.1573% | 4,647 |
| Tier 1 risk-based capital ratio | 13.8708% | 4,476 |
| Total risk-based capital ratio | 19.4298% | 2,160 |
| Memoranda: | ||
| Average total assets | $77,543,800 | 5,417 |
| Average earning assets | $68,290,400 | 5,488 |
| Average equity | $7,221,000 | 5,698 |
| Average total loans | $57,994,000 | 4,796 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2898% | 1,032 |
| Cost of funding earning assets | 1.0232% | 1,434 |
| Net interest margin | 4.2666% | 1,559 |
| Noninterest income to average assets | 0.2140% | 6,006 |
| Noninterest expense to average assets | 2.4205% | 5,338 |
| Loan and lease loss provision to assets | 0.0789% | 4,648 |
| Net operating income to assets | 1.4896% | 1,035 |
| Return on assets (ROA) | 1.5313% | 1,076 |
| Pretax return on assets | 1.5453% | 1,733 |
| Return on Equity (ROE) | 16.2668% | 700 |
| Retained earnings to average equity (ytd only) | 9.6706% | 1,004 |
| Net charge-offs to loans | -0.0023% | 6,210 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4733% | 5,420 |
| Assets per employee ($millions) | 6.2445% | 1,102 |
| Cash dividends to net income (ytd only)* | 40.5500% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 5,989 |
| Loan loss allowance to noncurrent loans | 57.3864% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 1.3008% | 3,693 |
| Noncurrent loans to loans | 1.7847% | 3,099 |
| Net loans and leases to total assets | 72.1393% | 1,531 |
| Net loans and leases to deposits | 84.7288% | 1,772 |
| Net loans and leases to core deposits | 97.0550% | 1,334 |
| Total domestic deposits to total assets | 85.1415% | 3,687 |
| Equity capital to assets | 9.2093% | 5,584 |
| Core capital (leverage) ratio | 9.5123% | 4,250 |
| Tier 1 risk-based capital ratio | 14.7677% | 4,002 |
| Total risk-based capital ratio | 20.6661% | 1,869 |
| Memoranda: | ||
| Average total assets | $76,013,750 | 5,517 |
| Average earning assets | $67,499,500 | 5,567 |
| Average equity | $7,155,500 | 5,783 |
| Average total loans | $57,860,250 | 4,843 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3740% | 917 |
| Cost of funding earning assets | 0.9719% | 1,921 |
| Net interest margin | 4.4021% | 1,194 |
| Noninterest income to average assets | 0.2342% | 5,891 |
| Noninterest expense to average assets | 2.4875% | 5,182 |
| Loan and lease loss provision to assets | 0.0808% | 4,587 |
| Net operating income to assets | 1.5674% | 884 |
| Return on assets (ROA) | 1.6314% | 874 |
| Pretax return on assets | 1.6449% | 1,414 |
| Return on Equity (ROE) | 17.1947% | 612 |
| Retained earnings to average equity (ytd only) | 7.1503% | 2,015 |
| Net charge-offs to loans | -0.0035% | 6,129 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9611% | 5,582 |
| Assets per employee ($millions) | 5.1605% | 1,959 |
| Cash dividends to net income (ytd only)* | 58.4158% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 6,175 |
| Loan loss allowance to noncurrent loans | 55.4409% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 1.3771% | 3,676 |
| Noncurrent loans to loans | 1.7993% | 3,218 |
| Net loans and leases to total assets | 75.7738% | 996 |
| Net loans and leases to deposits | 89.3273% | 1,214 |
| Net loans and leases to core deposits | 103.9909% | 857 |
| Total domestic deposits to total assets | 84.8271% | 3,940 |
| Equity capital to assets | 9.3117% | 5,302 |
| Core capital (leverage) ratio | 9.4093% | 4,286 |
| Tier 1 risk-based capital ratio | 12.2936% | 5,730 |
| Total risk-based capital ratio | 17.3608% | 3,084 |
| Memoranda: | ||
| Average total assets | $74,292,000 | 5,598 |
| Average earning assets | $66,059,000 | 5,646 |
| Average equity | $7,048,670 | 5,836 |
| Average total loans | $57,424,330 | 4,894 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3969% | 917 |
| Cost of funding earning assets | 0.9717% | 2,144 |
| Net interest margin | 4.4252% | 1,173 |
| Noninterest income to average assets | 0.2640% | 5,759 |
| Noninterest expense to average assets | 2.4913% | 5,176 |
| Loan and lease loss provision to assets | 0.0825% | 4,357 |
| Net operating income to assets | 1.6072% | 852 |
| Return on assets (ROA) | 1.7378% | 754 |
| Pretax return on assets | 1.7543% | 1,187 |
| Return on Equity (ROE) | 18.1375% | 535 |
| Retained earnings to average equity (ytd only) | 1.4923% | 5,494 |
| Net charge-offs to loans | -0.0071% | 5,861 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3709% | 5,713 |
| Assets per employee ($millions) | 4.9347% | 2,338 |
| Cash dividends to net income (ytd only)* | 91.7722% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 6,240 |
| Loan loss allowance to noncurrent loans | 53.3333% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 1.4591% | 3,680 |
| Noncurrent loans to loans | 1.8779% | 3,303 |
| Net loans and leases to total assets | 76.9170% | 706 |
| Net loans and leases to deposits | 91.0522% | 868 |
| Net loans and leases to core deposits | 101.6461% | 881 |
| Total domestic deposits to total assets | 84.4758% | 4,286 |
| Equity capital to assets | 9.4326% | 4,897 |
| Core capital (leverage) ratio | 9.7742% | 3,676 |
| Tier 1 risk-based capital ratio | 12.9673% | 5,242 |
| Total risk-based capital ratio | 18.4574% | 2,563 |
| Memoranda: | ||
| Average total assets | $72,734,000 | 5,687 |
| Average earning assets | $64,630,000 | 5,737 |
| Average equity | $6,969,000 | 5,884 |
| Average total loans | $56,513,500 | 4,963 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6094% | 936 |
| Cost of funding earning assets | 1.3952% | 1,060 |
| Net interest margin | 4.2143% | 2,012 |
| Noninterest income to average assets | 0.1911% | 6,134 |
| Noninterest expense to average assets | 2.6198% | 5,018 |
| Loan and lease loss provision to assets | 0.1020% | 5,312 |
| Net operating income to assets | 1.2474% | 1,387 |
| Return on assets (ROA) | 1.2474% | 1,486 |
| Pretax return on assets | 1.2632% | 2,261 |
| Return on Equity (ROE) | 12.7752% | 1,213 |
| Retained earnings to average equity (ytd only) | 7.0646% | 1,472 |
| Net charge-offs to loans | 0.0093% | 6,299 |
| Credit loss provision to net charge-offs | 1,420.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 183 |
| Efficiency ratio | 65.7411% | 4,826 |
| Assets per employee ($millions) | 4.4655% | 2,973 |
| Cash dividends to net income (ytd only)* | 44.7005% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 6,176 |
| Loan loss allowance to noncurrent loans | 53.1814% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.5998% | 3,552 |
| Noncurrent loans to loans | 1.8967% | 3,346 |
| Net loans and leases to total assets | 76.9189% | 835 |
| Net loans and leases to deposits | 89.5722% | 1,202 |
| Net loans and leases to core deposits | 100.8404% | 1,104 |
| Total domestic deposits to total assets | 85.8736% | 3,385 |
| Equity capital to assets | 9.7358% | 4,539 |
| Core capital (leverage) ratio | 9.7268% | 3,707 |
| Tier 1 risk-based capital ratio | 13.5294% | 4,676 |
| Total risk-based capital ratio | 19.2477% | 2,165 |
| Memoranda: | ||
| Average total assets | $69,585,000 | 5,754 |
| Average earning assets | $62,644,400 | 5,784 |
| Average equity | $6,794,400 | 5,923 |
| Average total loans | $53,842,800 | 5,121 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7037% | 848 |
| Cost of funding earning assets | 1.4083% | 1,201 |
| Net interest margin | 4.2953% | 1,736 |
| Noninterest income to average assets | 0.1659% | 6,405 |
| Noninterest expense to average assets | 2.5250% | 5,378 |
| Loan and lease loss provision to assets | -0.1813% | 7,382 |
| Net operating income to assets | 1.6956% | 636 |
| Return on assets (ROA) | 1.6956% | 699 |
| Pretax return on assets | 1.7110% | 1,119 |
| Return on Equity (ROE) | 17.3522% | 530 |
| Retained earnings to average equity (ytd only) | 10.5614% | 712 |
| Net charge-offs to loans | -0.0848% | 7,138 |
| Credit loss provision to net charge-offs | 276.4706% | 1,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2740% | 5,370 |
| Assets per employee ($millions) | 4.7487% | 2,561 |
| Cash dividends to net income (ytd only)* | 39.1358% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 6,736 |
| Loan loss allowance to noncurrent loans | 571.0526% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 6,279 |
| Noncurrent loans to loans | 0.1474% | 6,578 |
| Net loans and leases to total assets | 71.7577% | 1,765 |
| Net loans and leases to deposits | 86.3497% | 1,638 |
| Net loans and leases to core deposits | 99.6821% | 1,275 |
| Total domestic deposits to total assets | 83.1012% | 4,635 |
| Equity capital to assets | 9.8428% | 4,562 |
| Core capital (leverage) ratio | 10.0577% | 3,362 |
| Tier 1 risk-based capital ratio | 14.9215% | 3,706 |
| Total risk-based capital ratio | 20.9105% | 1,740 |
| Memoranda: | ||
| Average total assets | $69,119,250 | 5,808 |
| Average earning assets | $62,578,000 | 5,820 |
| Average equity | $6,754,000 | 5,981 |
| Average total loans | $53,424,250 | 5,186 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8085% | 712 |
| Cost of funding earning assets | 1.4303% | 1,279 |
| Net interest margin | 4.3782% | 1,441 |
| Noninterest income to average assets | 0.1608% | 6,508 |
| Noninterest expense to average assets | 2.5140% | 5,475 |
| Loan and lease loss provision to assets | -0.3333% | 7,464 |
| Net operating income to assets | 1.9294% | 386 |
| Return on assets (ROA) | 1.9294% | 406 |
| Pretax return on assets | 1.9440% | 648 |
| Return on Equity (ROE) | 19.7951% | 325 |
| Retained earnings to average equity (ytd only) | 11.0372% | 660 |
| Net charge-offs to loans | -0.5328% | 7,408 |
| Credit loss provision to net charge-offs | 79.1667% | 3,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9497% | 5,735 |
| Assets per employee ($millions) | 4.5524% | 2,750 |
| Cash dividends to net income (ytd only)* | 44.2424% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 6,508 |
| Loan loss allowance to noncurrent loans | 151.8841% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 5,899 |
| Noncurrent loans to loans | 0.6262% | 5,670 |
| Net loans and leases to total assets | 79.9080% | 542 |
| Net loans and leases to deposits | 95.6141% | 757 |
| Net loans and leases to core deposits | 111.0781% | 687 |
| Total domestic deposits to total assets | 83.5735% | 4,515 |
| Equity capital to assets | 10.0211% | 4,120 |
| Core capital (leverage) ratio | 9.9409% | 3,335 |
| Tier 1 risk-based capital ratio | 13.3070% | 4,686 |
| Total risk-based capital ratio | 17.6260% | 2,758 |
| Memoranda: | ||
| Average total assets | $68,415,670 | 5,877 |
| Average earning assets | $61,943,670 | 5,893 |
| Average equity | $6,668,330 | 6,025 |
| Average total loans | $54,050,000 | 5,207 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8595% | 659 |
| Cost of funding earning assets | 1.4617% | 1,325 |
| Net interest margin | 4.3979% | 1,285 |
| Noninterest income to average assets | 0.1519% | 6,633 |
| Noninterest expense to average assets | 2.4825% | 5,612 |
| Loan and lease loss provision to assets | -0.6659% | 7,545 |
| Net operating income to assets | 2.3072% | 226 |
| Return on assets (ROA) | 2.3072% | 238 |
| Pretax return on assets | 2.3247% | 324 |
| Return on Equity (ROE) | 24.0085% | 188 |
| Retained earnings to average equity (ytd only) | 12.8248% | 616 |
| Net charge-offs to loans | -1.0237% | 7,486 |
| Credit loss provision to net charge-offs | 83.2117% | 3,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9436% | 5,987 |
| Assets per employee ($millions) | 4.9458% | 2,239 |
| Cash dividends to net income (ytd only)* | 46.5823% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 6,520 |
| Loan loss allowance to noncurrent loans | 397.6923% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 6,684 |
| Noncurrent loans to loans | 0.2408% | 6,505 |
| Net loans and leases to total assets | 77.2375% | 841 |
| Net loans and leases to deposits | 91.9343% | 1,027 |
| Net loans and leases to core deposits | 105.1845% | 984 |
| Total domestic deposits to total assets | 84.0138% | 4,484 |
| Equity capital to assets | 9.6561% | 4,241 |
| Core capital (leverage) ratio | 9.7027% | 3,520 |
| Tier 1 risk-based capital ratio | 13.4069% | 4,499 |
| Total risk-based capital ratio | 17.8464% | 2,602 |
| Memoranda: | ||
| Average total assets | $68,480,500 | 5,916 |
| Average earning assets | $62,121,000 | 5,931 |
| Average equity | $6,581,000 | 6,066 |
| Average total loans | $53,530,000 | 5,270 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8915% | 1,062 |
| Cost of funding earning assets | 2.0301% | 542 |
| Net interest margin | 3.8614% | 3,682 |
| Noninterest income to average assets | 0.1593% | 6,582 |
| Noninterest expense to average assets | 2.3568% | 6,205 |
| Loan and lease loss provision to assets | 0.4524% | 3,408 |
| Net operating income to assets | 0.9259% | 2,289 |
| Return on assets (ROA) | 0.9259% | 2,416 |
| Pretax return on assets | 0.9409% | 3,130 |
| Return on Equity (ROE) | 9.5819% | 2,084 |
| Retained earnings to average equity (ytd only) | 2.0066% | 4,464 |
| Net charge-offs to loans | 0.5803% | 3,302 |
| Credit loss provision to net charge-offs | 99.0132% | 4,672 |
| Earnings coverage of net charge-offs (x) | 3.0493% | 3,550 |
| Efficiency ratio | 62.8457% | 5,546 |
| Assets per employee ($millions) | 4.8371% | 2,368 |
| Cash dividends to net income (ytd only)* | 79.0584% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 6,635 |
| Loan loss allowance to noncurrent loans | 32.9114% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 2.2165% | 3,073 |
| Noncurrent loans to loans | 2.8287% | 2,690 |
| Net loans and leases to total assets | 77.6270% | 1,002 |
| Net loans and leases to deposits | 92.5152% | 1,202 |
| Net loans and leases to core deposits | 104.1197% | 1,303 |
| Total domestic deposits to total assets | 83.9073% | 4,396 |
| Equity capital to assets | 9.5629% | 4,320 |
| Core capital (leverage) ratio | 8.8768% | 4,736 |
| Tier 1 risk-based capital ratio | 13.5948% | 4,138 |
| Total risk-based capital ratio | 18.1942% | 2,335 |
| Memoranda: | ||
| Average total assets | $66,530,000 | 5,978 |
| Average earning assets | $61,868,800 | 5,926 |
| Average equity | $6,428,800 | 6,224 |
| Average total loans | $52,382,800 | 5,390 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8405% | 1,281 |
| Cost of funding earning assets | 2.0715% | 593 |
| Net interest margin | 3.7690% | 4,099 |
| Noninterest income to average assets | 0.1550% | 6,752 |
| Noninterest expense to average assets | 2.1560% | 6,725 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4937% | 935 |
| Return on assets (ROA) | 1.4937% | 1,015 |
| Pretax return on assets | 1.5078% | 1,592 |
| Return on Equity (ROE) | 15.4170% | 790 |
| Retained earnings to average equity (ytd only) | 6.3372% | 2,185 |
| Net charge-offs to loans | 0.0102% | 6,521 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 187.3621% | 174 |
| Efficiency ratio | 58.8462% | 6,133 |
| Assets per employee ($millions) | 5.5232% | 1,607 |
| Cash dividends to net income (ytd only)* | 58.8946% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 6,622 |
| Loan loss allowance to noncurrent loans | 1,332.4324% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 7,218 |
| Noncurrent loans to loans | 0.0704% | 7,067 |
| Net loans and leases to total assets | 72.5199% | 2,125 |
| Net loans and leases to deposits | 90.1661% | 1,705 |
| Net loans and leases to core deposits | 103.9840% | 1,489 |
| Total domestic deposits to total assets | 80.4292% | 5,568 |
| Equity capital to assets | 9.2645% | 5,198 |
| Core capital (leverage) ratio | 9.6097% | 3,752 |
| Tier 1 risk-based capital ratio | 13.5429% | 4,166 |
| Total risk-based capital ratio | 18.0015% | 2,400 |
| Memoranda: | ||
| Average total assets | $66,232,500 | 6,059 |
| Average earning assets | $61,659,500 | 5,999 |
| Average equity | $6,417,000 | 6,315 |
| Average total loans | $52,212,750 | 5,472 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9287% | 1,112 |
| Cost of funding earning assets | 2.1291% | 599 |
| Net interest margin | 3.7996% | 3,891 |
| Noninterest income to average assets | 0.1709% | 6,684 |
| Noninterest expense to average assets | 2.1685% | 6,723 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5161% | 886 |
| Return on assets (ROA) | 1.5161% | 947 |
| Pretax return on assets | 1.5285% | 1,484 |
| Return on Equity (ROE) | 15.3976% | 785 |
| Retained earnings to average equity (ytd only) | 3.3446% | 3,980 |
| Net charge-offs to loans | 0.0154% | 6,129 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 275 |
| Efficiency ratio | 58.6555% | 6,284 |
| Assets per employee ($millions) | 5.1852% | 1,944 |
| Cash dividends to net income (ytd only)* | 78.2787% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 6,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 80.3421% | 749 |
| Net loans and leases to deposits | 101.0976% | 645 |
| Net loans and leases to core deposits | 121.2950% | 655 |
| Total domestic deposits to total assets | 79.4698% | 5,897 |
| Equity capital to assets | 9.5716% | 4,596 |
| Core capital (leverage) ratio | 9.5588% | 3,733 |
| Tier 1 risk-based capital ratio | 13.1000% | 4,359 |
| Total risk-based capital ratio | 17.5465% | 2,505 |
| Memoranda: | ||
| Average total assets | $64,376,330 | 6,165 |
| Average earning assets | $59,743,330 | 6,108 |
| Average equity | $6,338,670 | 6,358 |
| Average total loans | $52,096,000 | 5,506 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8645% | 1,285 |
| Cost of funding earning assets | 2.1845% | 621 |
| Net interest margin | 3.6800% | 4,349 |
| Noninterest income to average assets | 0.1718% | 6,744 |
| Noninterest expense to average assets | 2.2144% | 6,653 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3490% | 1,187 |
| Return on assets (ROA) | 1.3490% | 1,258 |
| Pretax return on assets | 1.3554% | 1,889 |
| Return on Equity (ROE) | 13.4989% | 1,150 |
| Retained earnings to average equity (ytd only) | -8.1503% | 6,842 |
| Net charge-offs to loans | -0.0157% | 7,015 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0321% | 5,824 |
| Assets per employee ($millions) | 5.8177% | 1,391 |
| Cash dividends to net income (ytd only)* | 160.3774% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 6,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 7,476 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 83.1706% | 459 |
| Net loans and leases to deposits | 105.5675% | 443 |
| Net loans and leases to core deposits | 125.4183% | 601 |
| Total domestic deposits to total assets | 78.7843% | 6,130 |
| Equity capital to assets | 9.7164% | 4,202 |
| Core capital (leverage) ratio | 9.5424% | 3,705 |
| Tier 1 risk-based capital ratio | 12.5247% | 4,721 |
| Total risk-based capital ratio | 16.9480% | 2,728 |
| Memoranda: | ||
| Average total assets | $62,860,500 | 6,272 |
| Average earning assets | $58,044,000 | 6,244 |
| Average equity | $6,282,000 | 6,423 |
| Average total loans | $50,819,000 | 5,636 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7724% | 403 |
| Cost of funding earning assets | 2.2199% | 1,944 |
| Net interest margin | 4.5525% | 1,069 |
| Noninterest income to average assets | 0.5621% | 3,926 |
| Noninterest expense to average assets | 2.7156% | 5,317 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.9209% | 277 |
| Return on assets (ROA) | 1.9209% | 286 |
| Pretax return on assets | 1.9250% | 482 |
| Return on Equity (ROE) | 15.5433% | 601 |
| Retained earnings to average equity (ytd only) | 9.8957% | 382 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5182% | 6,695 |
| Assets per employee ($millions) | 5.6115% | 1,546 |
| Cash dividends to net income (ytd only)* | 36.3344% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 6,187 |
| Loan loss allowance to noncurrent loans | 512.3711% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 7,021 |
| Noncurrent loans to loans | 0.2024% | 6,919 |
| Net loans and leases to total assets | 76.8185% | 1,622 |
| Net loans and leases to deposits | 98.8513% | 1,018 |
| Net loans and leases to core deposits | 151.7247% | 470 |
| Total domestic deposits to total assets | 77.7112% | 6,295 |
| Equity capital to assets | 10.2809% | 3,420 |
| Core capital (leverage) ratio | 10.8104% | 2,343 |
| Tier 1 risk-based capital ratio | 14.1630% | 3,399 |
| Total risk-based capital ratio | 19.0595% | 1,897 |
| Memoranda: | ||
| Average total assets | $48,571,000 | 6,767 |
| Average earning assets | $43,514,600 | 6,782 |
| Average equity | $6,002,600 | 6,601 |
| Average total loans | $38,616,800 | 6,171 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8738% | 372 |
| Cost of funding earning assets | 2.2098% | 2,362 |
| Net interest margin | 4.6640% | 886 |
| Noninterest income to average assets | 0.4122% | 5,198 |
| Noninterest expense to average assets | 2.7059% | 5,298 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8727% | 381 |
| Return on assets (ROA) | 1.8727% | 404 |
| Pretax return on assets | 1.8638% | 707 |
| Return on Equity (ROE) | 14.3319% | 870 |
| Retained earnings to average equity (ytd only) | 7.7744% | 1,211 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2139% | 6,530 |
| Assets per employee ($millions) | 4.9778% | 2,178 |
| Cash dividends to net income (ytd only)* | 45.7546% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,462 |
| Loan loss allowance to noncurrent loans | 4,518.1818% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 7,457 |
| Noncurrent loans to loans | 0.0253% | 7,459 |
| Net loans and leases to total assets | 78.5375% | 1,476 |
| Net loans and leases to deposits | 104.1234% | 765 |
| Net loans and leases to core deposits | 157.6220% | 424 |
| Total domestic deposits to total assets | 75.4274% | 6,694 |
| Equity capital to assets | 11.1330% | 2,898 |
| Core capital (leverage) ratio | 12.0890% | 1,762 |
| Tier 1 risk-based capital ratio | 14.7111% | 3,179 |
| Total risk-based capital ratio | 20.0058% | 1,766 |
| Memoranda: | ||
| Average total assets | $45,282,250 | 6,951 |
| Average earning assets | $40,365,000 | 6,987 |
| Average equity | $5,916,750 | 6,692 |
| Average total loans | $36,292,500 | 6,330 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1858% | 240 |
| Cost of funding earning assets | 2.2561% | 2,544 |
| Net interest margin | 4.9297% | 508 |
| Noninterest income to average assets | 0.2421% | 6,550 |
| Noninterest expense to average assets | 2.7015% | 5,381 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8754% | 393 |
| Return on assets (ROA) | 1.8754% | 424 |
| Pretax return on assets | 1.8564% | 761 |
| Return on Equity (ROE) | 13.4881% | 1,077 |
| Retained earnings to average equity (ytd only) | 4.9855% | 2,514 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2708% | 6,654 |
| Assets per employee ($millions) | 5.1411% | 1,920 |
| Cash dividends to net income (ytd only)* | 63.0380% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 4,264 |
| Loan loss allowance to noncurrent loans | 4,518.1818% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 7,095 |
| Noncurrent loans to loans | 0.0288% | 7,468 |
| Net loans and leases to total assets | 81.4783% | 1,054 |
| Net loans and leases to deposits | 108.5454% | 624 |
| Net loans and leases to core deposits | 155.7851% | 529 |
| Total domestic deposits to total assets | 75.0638% | 6,754 |
| Equity capital to assets | 12.7448% | 1,814 |
| Core capital (leverage) ratio | 12.8489% | 1,481 |
| Tier 1 risk-based capital ratio | 17.3727% | 2,185 |
| Total risk-based capital ratio | 18.6248% | 2,133 |
| Memoranda: | ||
| Average total assets | $42,124,330 | 7,129 |
| Average earning assets | $36,878,330 | 7,178 |
| Average equity | $5,857,000 | 6,779 |
| Average total loans | $33,889,670 | 6,507 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2913% | 226 |
| Cost of funding earning assets | 2.2196% | 3,062 |
| Net interest margin | 5.0717% | 343 |
| Noninterest income to average assets | 0.2297% | 6,623 |
| Noninterest expense to average assets | 2.8463% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8376% | 491 |
| Return on assets (ROA) | 1.8376% | 552 |
| Pretax return on assets | 1.7877% | 1,001 |
| Return on Equity (ROE) | 12.6092% | 1,483 |
| Retained earnings to average equity (ytd only) | 10.6904% | 1,039 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4224% | 6,173 |
| Assets per employee ($millions) | 4.7320% | 2,392 |
| Cash dividends to net income (ytd only)* | 15.2174% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 3,044 |
| Loan loss allowance to noncurrent loans | 690.2778% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 7,046 |
| Noncurrent loans to loans | 0.2159% | 6,914 |
| Net loans and leases to total assets | 77.1368% | 2,011 |
| Net loans and leases to deposits | 105.7560% | 884 |
| Net loans and leases to core deposits | 131.0685% | 1,596 |
| Total domestic deposits to total assets | 72.9384% | 7,063 |
| Equity capital to assets | 13.8725% | 1,400 |
| Core capital (leverage) ratio | 14.2671% | 1,137 |
| Tier 1 risk-based capital ratio | 19.4125% | 1,734 |
| Total risk-based capital ratio | 20.6611% | 1,690 |
| Memoranda: | ||
| Average total assets | $40,051,500 | 7,246 |
| Average earning assets | $34,781,000 | 7,316 |
| Average equity | $5,837,000 | 6,830 |
| Average total loans | $31,736,000 | 6,665 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3043% | 127 |
| Cost of funding earning assets | 2.7429% | 2,962 |
| Net interest margin | 5.5614% | 190 |
| Noninterest income to average assets | 0.2713% | 6,511 |
| Noninterest expense to average assets | 3.8804% | 1,597 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5516% | 924 |
| Return on assets (ROA) | 1.5516% | 892 |
| Pretax return on assets | 1.5883% | 1,419 |
| Return on Equity (ROE) | 9.4456% | 2,459 |
| Retained earnings to average equity (ytd only) | 2.4603% | 3,661 |
| Net charge-offs to loans | -0.0068% | 7,813 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6434% | 7,309 |
| Assets per employee ($millions) | 3.4105% | 4,914 |
| Cash dividends to net income (ytd only)* | 73.9526% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 2,067 |
| Loan loss allowance to noncurrent loans | 292.3529% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 5,864 |
| Noncurrent loans to loans | 0.5643% | 5,677 |
| Net loans and leases to total assets | 78.9737% | 1,891 |
| Net loans and leases to deposits | 113.3614% | 649 |
| Net loans and leases to core deposits | 134.9073% | 1,540 |
| Total domestic deposits to total assets | 69.6655% | 7,316 |
| Equity capital to assets | 15.3699% | 1,068 |
| Core capital (leverage) ratio | 15.4188% | 940 |
| Tier 1 risk-based capital ratio | 19.8301% | 1,647 |
| Total risk-based capital ratio | 21.0820% | 1,605 |
| Memoranda: | ||
| Average total assets | $35,383,400 | 7,408 |
| Average earning assets | $33,067,400 | 7,373 |
| Average equity | $5,812,200 | 6,874 |
| Average total loans | $29,251,400 | 6,756 |