Home > The Citizens State Bank > Performance and Condition Ratios
The Citizens State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5810% | 2,940 |
| Cost of funding earning assets | 1.4903% | 1,969 |
| Net interest margin | 3.0907% | 3,113 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.4493% | 2,451 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.3577% | 3,946 |
| Return on assets (ROA) | 0.3695% | 3,920 |
| Pretax return on assets | 0.4825% | 3,844 |
| Return on Equity (ROE) | 3.4500% | 3,961 |
| Retained earnings to average equity (ytd only) | 0.7954% | 3,878 |
| Net charge-offs to loans | 0.0055% | 2,507 |
| Credit loss provision to net charge-offs | 6,125.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 227.0000% | 540 |
| Efficiency ratio | 79.1504% | 974 |
| Assets per employee ($millions) | 5.6365% | 3,119 |
| Cash dividends to net income (ytd only)* | 76.9231% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 2,525 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 52.7700% | 3,431 |
| Net loans and leases to deposits | 59.7263% | 3,541 |
| Net loans and leases to core deposits | 87.9903% | 2,180 |
| Total domestic deposits to total assets | 88.3500% | 1,246 |
| Equity capital to assets | 11.2318% | 1,395 |
| Core capital (leverage) ratio | 12.8955% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $140,732,000 | 3,453 |
| Average earning assets | $133,399,200 | 3,412 |
| Average equity | $15,086,000 | 3,259 |
| Average total loans | $73,088,800 | 3,507 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 2,690 |
| Cost of funding earning assets | 1.4042% | 1,856 |
| Net interest margin | 3.1903% | 2,940 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.5332% | 2,126 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.4628% | 3,842 |
| Return on assets (ROA) | 0.4748% | 3,819 |
| Pretax return on assets | 0.6198% | 3,708 |
| Return on Equity (ROE) | 4.4800% | 3,904 |
| Retained earnings to average equity (ytd only) | 0.9037% | 3,969 |
| Net charge-offs to loans | 0.0074% | 2,157 |
| Credit loss provision to net charge-offs | 1,125.0000% | 378 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 663 |
| Efficiency ratio | 79.5299% | 888 |
| Assets per employee ($millions) | 5.2007% | 3,430 |
| Cash dividends to net income (ytd only)* | 79.8403% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 3,752 |
| 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 | 57.0500% | 3,112 |
| Net loans and leases to deposits | 68.0421% | 2,976 |
| Net loans and leases to core deposits | 100.7950% | 1,277 |
| Total domestic deposits to total assets | 83.8400% | 2,823 |
| Equity capital to assets | 11.3316% | 1,233 |
| Core capital (leverage) ratio | 12.7794% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $140,687,000 | 3,459 |
| Average earning assets | $133,024,500 | 3,422 |
| Average equity | $14,900,750 | 3,269 |
| Average total loans | $72,554,250 | 3,522 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 2,720 |
| Cost of funding earning assets | 1.2549% | 1,837 |
| Net interest margin | 3.2158% | 2,946 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.4778% | 2,268 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.5315% | 3,742 |
| Return on assets (ROA) | 0.5435% | 3,724 |
| Pretax return on assets | 0.6933% | 3,616 |
| Return on Equity (ROE) | 5.2400% | 3,852 |
| Retained earnings to average equity (ytd only) | -0.1070% | 4,115 |
| Net charge-offs to loans | 0.0111% | 1,785 |
| Credit loss provision to net charge-offs | 750.0000% | 497 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 805 |
| Efficiency ratio | 77.3258% | 1,059 |
| Assets per employee ($millions) | 5.6617% | 3,009 |
| Cash dividends to net income (ytd only)* | 102.0408% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 3,728 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 49.9600% | 3,564 |
| Net loans and leases to deposits | 56.1904% | 3,633 |
| Net loans and leases to core deposits | 79.2695% | 2,525 |
| Total domestic deposits to total assets | 88.9100% | 1,290 |
| Equity capital to assets | 10.6138% | 1,545 |
| Core capital (leverage) ratio | 11.8517% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $144,243,667 | 3,434 |
| Average earning assets | $136,264,000 | 3,401 |
| Average equity | $14,956,667 | 3,275 |
| Average total loans | $71,791,333 | 3,530 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 2,809 |
| Cost of funding earning assets | 1.1203% | 1,695 |
| Net interest margin | 3.1770% | 3,168 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.4919% | 2,269 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.4776% | 3,951 |
| Return on assets (ROA) | 0.4863% | 3,894 |
| Pretax return on assets | 0.6154% | 3,817 |
| Return on Equity (ROE) | 4.7400% | 3,923 |
| Retained earnings to average equity (ytd only) | -5.9772% | 4,366 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.4221% | 874 |
| Assets per employee ($millions) | 5.6748% | 3,046 |
| Cash dividends to net income (ytd only)* | 225.9887% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 3,735 |
| Loan loss allowance to noncurrent loans | 64,300.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,941 |
| Noncurrent loans to loans | 0.0015% | 3,865 |
| Net loans and leases to total assets | 45.6900% | 3,787 |
| Net loans and leases to deposits | 51.0922% | 3,841 |
| Net loans and leases to core deposits | 66.4396% | 3,195 |
| Total domestic deposits to total assets | 89.4200% | 1,372 |
| Equity capital to assets | 10.2132% | 1,716 |
| Core capital (leverage) ratio | 11.1391% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $145,594,500 | 3,468 |
| Average earning assets | $137,109,000 | 3,438 |
| Average equity | $14,923,500 | 3,313 |
| Average total loans | $72,005,000 | 3,572 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5315% | 2,998 |
| Cost of funding earning assets | 0.3342% | 2,594 |
| Net interest margin | 3.1973% | 2,872 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.4099% | 2,397 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.5811% | 3,921 |
| Return on assets (ROA) | 0.5940% | 3,861 |
| Pretax return on assets | 0.7312% | 3,791 |
| Return on Equity (ROE) | 5.6900% | 3,885 |
| Retained earnings to average equity (ytd only) | 1.7063% | 4,043 |
| Net charge-offs to loans | -0.0083% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.0998% | 999 |
| Assets per employee ($millions) | 5.7458% | 2,994 |
| Cash dividends to net income (ytd only)* | 70.0117% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 3,628 |
| Loan loss allowance to noncurrent loans | 71,400.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,959 |
| Noncurrent loans to loans | 0.0013% | 3,890 |
| Net loans and leases to total assets | 52.3800% | 3,331 |
| Net loans and leases to deposits | 58.5221% | 3,419 |
| Net loans and leases to core deposits | 69.3147% | 2,923 |
| Total domestic deposits to total assets | 89.5100% | 1,555 |
| Equity capital to assets | 10.2879% | 1,563 |
| Core capital (leverage) ratio | 12.3741% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $144,278,200 | 3,500 |
| Average earning assets | $135,552,400 | 3,462 |
| Average equity | $15,061,400 | 3,366 |
| Average total loans | $72,141,000 | 3,540 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0226% | 3,499 |
| Cost of funding earning assets | 0.1595% | 3,453 |
| Net interest margin | 2.8631% | 3,261 |
| Noninterest income to average assets | 0.1622% | 4,200 |
| Noninterest expense to average assets | 2.4610% | 2,053 |
| Loan and lease loss provision to assets | 0.0409% | 1,845 |
| Net operating income to assets | 0.2930% | 4,301 |
| Return on assets (ROA) | 0.2998% | 4,238 |
| Pretax return on assets | 0.3598% | 4,215 |
| Return on Equity (ROE) | 2.8255% | 4,235 |
| Retained earnings to average equity (ytd only) | -4.8803% | 4,534 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2464% | 573 |
| Assets per employee ($millions) | 5.3935% | 3,340 |
| Cash dividends to net income (ytd only)* | 272.7273% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 3,741 |
| Loan loss allowance to noncurrent loans | 22,600.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,052 |
| Noncurrent loans to loans | 0.0043% | 3,964 |
| Net loans and leases to total assets | 47.6910% | 3,575 |
| Net loans and leases to deposits | 53.1081% | 3,597 |
| Net loans and leases to core deposits | 63.3015% | 3,017 |
| Total domestic deposits to total assets | 89.7998% | 1,796 |
| Equity capital to assets | 9.9914% | 1,721 |
| Core capital (leverage) ratio | 11.3135% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,767,333 | 3,533 |
| Average earning assets | $137,962,667 | 3,514 |
| Average equity | $15,572,667 | 3,442 |
| Average total loans | $68,145,000 | 3,651 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8783% | 3,586 |
| Cost of funding earning assets | 0.1311% | 3,757 |
| Net interest margin | 2.7472% | 3,289 |
| Noninterest income to average assets | 0.1303% | 4,360 |
| Noninterest expense to average assets | 2.4868% | 1,911 |
| Loan and lease loss provision to assets | 0.0407% | 1,626 |
| Net operating income to assets | 0.1518% | 4,400 |
| Return on assets (ROA) | 0.1493% | 4,373 |
| Pretax return on assets | 0.1602% | 4,374 |
| Return on Equity (ROE) | 1.3678% | 4,364 |
| Retained earnings to average equity (ytd only) | -13.5538% | 4,626 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4319% | 445 |
| Assets per employee ($millions) | 5.6902% | 3,132 |
| Cash dividends to net income (ytd only)* | 1,090.9091% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 3,341 |
| Loan loss allowance to noncurrent loans | 33,150.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,111 |
| Noncurrent loans to loans | 0.0033% | 4,025 |
| Net loans and leases to total assets | 40.4657% | 3,981 |
| Net loans and leases to deposits | 45.1084% | 4,016 |
| Net loans and leases to core deposits | 53.3593% | 3,644 |
| Total domestic deposits to total assets | 89.7077% | 1,713 |
| Equity capital to assets | 10.1443% | 1,796 |
| Core capital (leverage) ratio | 10.9663% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,338,500 | 3,536 |
| Average earning assets | $137,305,000 | 3,529 |
| Average equity | $16,084,000 | 3,466 |
| Average total loans | $67,153,500 | 3,676 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3970% | 2,939 |
| Cost of funding earning assets | 0.1658% | 3,813 |
| Net interest margin | 3.2312% | 2,509 |
| Noninterest income to average assets | 0.1848% | 4,229 |
| Noninterest expense to average assets | 2.4887% | 2,213 |
| Loan and lease loss provision to assets | 0.0843% | 1,453 |
| Net operating income to assets | 0.5196% | 4,037 |
| Return on assets (ROA) | 0.5382% | 4,056 |
| Pretax return on assets | 0.6464% | 4,042 |
| Return on Equity (ROE) | 4.4689% | 4,111 |
| Retained earnings to average equity (ytd only) | -0.6651% | 4,560 |
| Net charge-offs to loans | -0.0474% | 4,309 |
| Credit loss provision to net charge-offs | -342.8571% | 3,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8462% | 961 |
| Assets per employee ($millions) | 5.0597% | 3,682 |
| Cash dividends to net income (ytd only)* | 114.8825% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 4,117 |
| Loan loss allowance to noncurrent loans | 64,800.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,207 |
| Noncurrent loans to loans | 0.0014% | 4,124 |
| Net loans and leases to total assets | 49.8385% | 3,299 |
| Net loans and leases to deposits | 56.5742% | 3,378 |
| Net loans and leases to core deposits | 66.4755% | 2,780 |
| Total domestic deposits to total assets | 88.0939% | 1,996 |
| Equity capital to assets | 11.6948% | 1,395 |
| Core capital (leverage) ratio | 12.4052% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,321,000 | 3,562 |
| Average earning assets | $132,674,800 | 3,546 |
| Average equity | $17,140,600 | 3,450 |
| Average total loans | $73,770,600 | 3,588 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3763% | 3,176 |
| Cost of funding earning assets | 0.1736% | 3,889 |
| Net interest margin | 3.2028% | 2,721 |
| Noninterest income to average assets | 0.1917% | 4,246 |
| Noninterest expense to average assets | 2.4944% | 2,134 |
| Loan and lease loss provision to assets | 0.0991% | 1,209 |
| Net operating income to assets | 0.4788% | 4,240 |
| Return on assets (ROA) | 0.4995% | 4,251 |
| Pretax return on assets | 0.6203% | 4,204 |
| Return on Equity (ROE) | 4.1160% | 4,283 |
| Retained earnings to average equity (ytd only) | -2.7311% | 4,732 |
| Net charge-offs to loans | -0.0289% | 4,114 |
| Credit loss provision to net charge-offs | -656.2500% | 3,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2351% | 859 |
| Assets per employee ($millions) | 4.5395% | 4,098 |
| Cash dividends to net income (ytd only)* | 166.3516% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 4,364 |
| Loan loss allowance to noncurrent loans | 88.9855% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 1,506 |
| Noncurrent loans to loans | 0.8885% | 1,295 |
| Net loans and leases to total assets | 56.5771% | 2,661 |
| Net loans and leases to deposits | 65.0565% | 2,728 |
| Net loans and leases to core deposits | 77.3305% | 1,930 |
| Total domestic deposits to total assets | 86.9662% | 2,368 |
| Equity capital to assets | 12.5778% | 1,144 |
| Core capital (leverage) ratio | 12.0890% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,218,250 | 3,616 |
| Average earning assets | $132,132,250 | 3,592 |
| Average equity | $17,135,750 | 3,495 |
| Average total loans | $73,769,000 | 3,635 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2720% | 3,502 |
| Cost of funding earning assets | 0.1794% | 3,956 |
| Net interest margin | 3.0926% | 3,055 |
| Noninterest income to average assets | 0.1861% | 4,272 |
| Noninterest expense to average assets | 2.4507% | 2,305 |
| Loan and lease loss provision to assets | 0.1260% | 998 |
| Net operating income to assets | 0.4188% | 4,350 |
| Return on assets (ROA) | 0.4339% | 4,372 |
| Pretax return on assets | 0.5235% | 4,345 |
| Return on Equity (ROE) | 3.6177% | 4,391 |
| Retained earnings to average equity (ytd only) | -6.6519% | 4,821 |
| Net charge-offs to loans | -0.0469% | 4,342 |
| Credit loss provision to net charge-offs | -529.4118% | 3,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5186% | 814 |
| Assets per employee ($millions) | 4.7093% | 3,919 |
| Cash dividends to net income (ytd only)* | 283.8710% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8377% | 4,305 |
| Loan loss allowance to noncurrent loans | 82.9876% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 1,633 |
| Noncurrent loans to loans | 1.0095% | 1,216 |
| Net loans and leases to total assets | 50.2714% | 3,534 |
| Net loans and leases to deposits | 57.3766% | 3,609 |
| Net loans and leases to core deposits | 69.0442% | 2,857 |
| Total domestic deposits to total assets | 87.6167% | 2,032 |
| Equity capital to assets | 11.9876% | 1,365 |
| Core capital (leverage) ratio | 11.6675% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,896,333 | 3,600 |
| Average earning assets | $133,803,000 | 3,586 |
| Average equity | $17,138,000 | 3,498 |
| Average total loans | $72,471,000 | 3,679 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2411% | 3,606 |
| Cost of funding earning assets | 0.1940% | 3,963 |
| Net interest margin | 3.0471% | 3,135 |
| Noninterest income to average assets | 0.1921% | 4,237 |
| Noninterest expense to average assets | 2.4021% | 2,481 |
| Loan and lease loss provision to assets | 0.1670% | 748 |
| Net operating income to assets | 0.4040% | 4,352 |
| Return on assets (ROA) | 0.4064% | 4,377 |
| Pretax return on assets | 0.4676% | 4,399 |
| Return on Equity (ROE) | 3.3877% | 4,397 |
| Retained earnings to average equity (ytd only) | -17.0312% | 4,895 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1743% | 878 |
| Assets per employee ($millions) | 4.9692% | 3,691 |
| Cash dividends to net income (ytd only)* | 602.7397% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 4,390 |
| Loan loss allowance to noncurrent loans | 76.5928% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 1,884 |
| Noncurrent loans to loans | 1.0583% | 1,270 |
| Net loans and leases to total assets | 46.9582% | 3,893 |
| Net loans and leases to deposits | 53.3646% | 3,984 |
| Net loans and leases to core deposits | 70.0888% | 2,854 |
| Total domestic deposits to total assets | 87.9950% | 1,846 |
| Equity capital to assets | 11.6379% | 1,473 |
| Core capital (leverage) ratio | 11.5329% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,705,000 | 3,598 |
| Average earning assets | $134,028,500 | 3,584 |
| Average equity | $17,239,000 | 3,497 |
| Average total loans | $72,895,000 | 3,688 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 2,336 |
| Cost of funding earning assets | 0.4197% | 3,463 |
| Net interest margin | 3.7101% | 1,762 |
| Noninterest income to average assets | 0.1946% | 4,311 |
| Noninterest expense to average assets | 2.5146% | 2,802 |
| Loan and lease loss provision to assets | 0.1954% | 1,998 |
| Net operating income to assets | 0.7789% | 3,172 |
| Return on assets (ROA) | 0.7929% | 3,236 |
| Pretax return on assets | 0.9762% | 3,120 |
| Return on Equity (ROE) | 6.1063% | 3,546 |
| Retained earnings to average equity (ytd only) | -0.2605% | 4,556 |
| Net charge-offs to loans | 0.9248% | 147 |
| Credit loss provision to net charge-offs | 34.8993% | 3,201 |
| Earnings coverage of net charge-offs (x) | 2.0617% | 3,206 |
| Efficiency ratio | 68.5375% | 2,159 |
| Assets per employee ($millions) | 5.3075% | 3,042 |
| Cash dividends to net income (ytd only)* | 104.2654% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6356% | 4,676 |
| Loan loss allowance to noncurrent loans | 68.2825% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 2,056 |
| Noncurrent loans to loans | 0.9308% | 1,511 |
| Net loans and leases to total assets | 53.7839% | 3,508 |
| Net loans and leases to deposits | 61.6237% | 3,633 |
| Net loans and leases to core deposits | 81.2605% | 2,251 |
| Total domestic deposits to total assets | 87.2780% | 1,808 |
| Equity capital to assets | 12.3563% | 1,391 |
| Core capital (leverage) ratio | 12.8336% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,061,200 | 3,589 |
| Average earning assets | $124,606,600 | 3,574 |
| Average equity | $17,277,200 | 3,434 |
| Average total loans | $80,554,800 | 3,544 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 2,297 |
| Cost of funding earning assets | 0.4795% | 3,363 |
| Net interest margin | 3.7545% | 1,747 |
| Noninterest income to average assets | 0.2013% | 4,268 |
| Noninterest expense to average assets | 2.5981% | 2,532 |
| Loan and lease loss provision to assets | 0.0207% | 4,076 |
| Net operating income to assets | 0.8719% | 2,810 |
| Return on assets (ROA) | 0.8848% | 2,879 |
| Pretax return on assets | 1.1269% | 2,657 |
| Return on Equity (ROE) | 6.7248% | 3,303 |
| Retained earnings to average equity (ytd only) | -1.8171% | 4,692 |
| Net charge-offs to loans | -0.0443% | 4,640 |
| Credit loss provision to net charge-offs | -74.0741% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6712% | 1,933 |
| Assets per employee ($millions) | 4.5380% | 3,799 |
| Cash dividends to net income (ytd only)* | 127.0208% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,357 |
| Loan loss allowance to noncurrent loans | 57.4230% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.4048% | 640 |
| Noncurrent loans to loans | 2.1912% | 531 |
| Net loans and leases to total assets | 63.3064% | 2,848 |
| Net loans and leases to deposits | 73.8670% | 2,968 |
| Net loans and leases to core deposits | 101.3430% | 1,070 |
| Total domestic deposits to total assets | 85.7032% | 2,176 |
| Equity capital to assets | 13.7774% | 911 |
| Core capital (leverage) ratio | 13.0193% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,500,750 | 3,609 |
| Average earning assets | $122,623,000 | 3,585 |
| Average equity | $17,169,750 | 3,448 |
| Average total loans | $81,301,750 | 3,551 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1377% | 2,943 |
| Cost of funding earning assets | 0.5518% | 3,227 |
| Net interest margin | 3.5859% | 2,531 |
| Noninterest income to average assets | 0.2036% | 4,259 |
| Noninterest expense to average assets | 2.5857% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7864% | 3,080 |
| Return on assets (ROA) | 0.7900% | 3,186 |
| Pretax return on assets | 1.0088% | 2,995 |
| Return on Equity (ROE) | 6.0970% | 3,472 |
| Retained earnings to average equity (ytd only) | -6.8005% | 4,844 |
| Net charge-offs to loans | -0.0492% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0271% | 1,680 |
| Assets per employee ($millions) | 4.8341% | 3,382 |
| Cash dividends to net income (ytd only)* | 211.5385% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 2,113 |
| Loan loss allowance to noncurrent loans | 42.0388% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.7539% | 471 |
| Noncurrent loans to loans | 3.0406% | 313 |
| Net loans and leases to total assets | 56.9451% | 3,613 |
| Net loans and leases to deposits | 65.5626% | 3,756 |
| Net loans and leases to core deposits | 88.2576% | 2,218 |
| Total domestic deposits to total assets | 86.8560% | 1,679 |
| Equity capital to assets | 12.6704% | 1,299 |
| Core capital (leverage) ratio | 12.6075% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,646,667 | 3,581 |
| Average earning assets | $124,319,000 | 3,544 |
| Average equity | $17,057,667 | 3,465 |
| Average total loans | $81,247,667 | 3,556 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 2,965 |
| Cost of funding earning assets | 0.6389% | 3,231 |
| Net interest margin | 3.6483% | 2,517 |
| Noninterest income to average assets | 0.1911% | 4,411 |
| Noninterest expense to average assets | 2.6196% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8147% | 2,858 |
| Return on assets (ROA) | 0.8074% | 2,967 |
| Pretax return on assets | 1.0293% | 2,742 |
| Return on Equity (ROE) | 6.1605% | 3,255 |
| Retained earnings to average equity (ytd only) | -19.7043% | 4,960 |
| Net charge-offs to loans | -0.0097% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6091% | 2,140 |
| Assets per employee ($millions) | 4.6848% | 3,008 |
| Cash dividends to net income (ytd only)* | 419.8473% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,249 |
| Loan loss allowance to noncurrent loans | 31.2400% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 2.4801% | 277 |
| Noncurrent loans to loans | 4.0875% | 187 |
| Net loans and leases to total assets | 59.9001% | 3,505 |
| Net loans and leases to deposits | 69.1481% | 3,654 |
| Net loans and leases to core deposits | 94.3620% | 1,934 |
| Total domestic deposits to total assets | 86.6257% | 1,726 |
| Equity capital to assets | 13.0723% | 1,393 |
| Core capital (leverage) ratio | 12.7239% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,792,500 | 3,587 |
| Average earning assets | $123,344,500 | 3,530 |
| Average equity | $17,011,500 | 3,471 |
| Average total loans | $82,833,500 | 3,537 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 2,364 |
| Cost of funding earning assets | 0.7188% | 3,077 |
| Net interest margin | 3.9686% | 1,946 |
| Noninterest income to average assets | 0.2441% | 4,220 |
| Noninterest expense to average assets | 2.7551% | 2,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9763% | 2,923 |
| Return on assets (ROA) | 1.2389% | 1,993 |
| Pretax return on assets | 1.5819% | 1,535 |
| Return on Equity (ROE) | 9.0478% | 2,733 |
| Retained earnings to average equity (ytd only) | 3.2449% | 3,393 |
| Net charge-offs to loans | -0.0749% | 4,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7994% | 2,346 |
| Assets per employee ($millions) | 5.1191% | 2,436 |
| Cash dividends to net income (ytd only)* | 64.1361% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 2,955 |
| Loan loss allowance to noncurrent loans | 32.5891% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 2.2548% | 313 |
| Noncurrent loans to loans | 3.3749% | 249 |
| Net loans and leases to total assets | 66.0741% | 2,941 |
| Net loans and leases to deposits | 76.3101% | 3,148 |
| Net loans and leases to core deposits | 100.3812% | 1,532 |
| Total domestic deposits to total assets | 86.5864% | 1,812 |
| Equity capital to assets | 13.1394% | 1,440 |
| Core capital (leverage) ratio | 14.2838% | 853 |
| Tier 1 risk-based capital ratio | 16.7863% | 2,128 |
| Total risk-based capital ratio | 17.7321% | 2,167 |
| Memoranda: | ||
| Average total assets | $123,333,600 | 3,652 |
| Average earning assets | $116,868,000 | 3,604 |
| Average equity | $16,888,000 | 3,449 |
| Average total loans | $84,114,600 | 3,524 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 2,313 |
| Cost of funding earning assets | 0.7484% | 2,977 |
| Net interest margin | 3.9863% | 1,993 |
| Noninterest income to average assets | 0.6871% | 1,842 |
| Noninterest expense to average assets | 2.8476% | 2,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2551% | 1,999 |
| Return on assets (ROA) | 1.2551% | 2,080 |
| Pretax return on assets | 1.6168% | 1,579 |
| Return on Equity (ROE) | 9.0650% | 2,862 |
| Retained earnings to average equity (ytd only) | 1.2586% | 4,500 |
| Net charge-offs to loans | -0.0772% | 4,938 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7846% | 3,043 |
| Assets per employee ($millions) | 4.0441% | 3,844 |
| Cash dividends to net income (ytd only)* | 86.1155% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 2,876 |
| Loan loss allowance to noncurrent loans | 32.4680% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 2.5290% | 265 |
| Noncurrent loans to loans | 3.4796% | 236 |
| Net loans and leases to total assets | 71.8588% | 2,195 |
| Net loans and leases to deposits | 84.5712% | 2,371 |
| Net loans and leases to core deposits | 116.0475% | 656 |
| Total domestic deposits to total assets | 84.9685% | 2,437 |
| Equity capital to assets | 14.5754% | 961 |
| Core capital (leverage) ratio | 14.2870% | 911 |
| Tier 1 risk-based capital ratio | 17.6354% | 1,913 |
| Total risk-based capital ratio | 18.6364% | 1,937 |
| Memoranda: | ||
| Average total assets | $120,893,000 | 3,725 |
| Average earning assets | $114,557,000 | 3,670 |
| Average equity | $16,738,000 | 3,491 |
| Average total loans | $82,913,250 | 3,578 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6443% | 2,533 |
| Cost of funding earning assets | 0.7255% | 3,013 |
| Net interest margin | 3.9188% | 2,192 |
| Noninterest income to average assets | 0.8600% | 1,179 |
| Noninterest expense to average assets | 2.8207% | 2,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3612% | 1,542 |
| Return on assets (ROA) | 1.3612% | 1,603 |
| Pretax return on assets | 1.7642% | 1,136 |
| Return on Equity (ROE) | 10.0004% | 2,390 |
| Retained earnings to average equity (ytd only) | -1.7931% | 4,895 |
| Net charge-offs to loans | -0.0877% | 4,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5220% | 3,503 |
| Assets per employee ($millions) | 4.1313% | 3,682 |
| Cash dividends to net income (ytd only)* | 117.9302% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 2,663 |
| Loan loss allowance to noncurrent loans | 32.2045% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 2.4648% | 305 |
| Noncurrent loans to loans | 3.6394% | 217 |
| Net loans and leases to total assets | 66.9310% | 2,976 |
| Net loans and leases to deposits | 78.1506% | 3,142 |
| Net loans and leases to core deposits | 102.5999% | 1,511 |
| Total domestic deposits to total assets | 85.6436% | 2,202 |
| Equity capital to assets | 13.9950% | 1,121 |
| Core capital (leverage) ratio | 13.6990% | 1,051 |
| Tier 1 risk-based capital ratio | 18.0800% | 1,786 |
| Total risk-based capital ratio | 19.1121% | 1,793 |
| Memoranda: | ||
| Average total assets | $122,097,330 | 3,723 |
| Average earning assets | $116,056,000 | 3,675 |
| Average equity | $16,619,330 | 3,503 |
| Average total loans | $82,138,000 | 3,617 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6050% | 2,515 |
| Cost of funding earning assets | 0.7061% | 3,019 |
| Net interest margin | 3.8989% | 2,191 |
| Noninterest income to average assets | 1.4476% | 409 |
| Noninterest expense to average assets | 2.7783% | 2,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8176% | 557 |
| Return on assets (ROA) | 1.8176% | 574 |
| Pretax return on assets | 2.3790% | 309 |
| Return on Equity (ROE) | 13.5384% | 1,072 |
| Retained earnings to average equity (ytd only) | -10.1538% | 5,111 |
| Net charge-offs to loans | -0.0920% | 5,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8704% | 4,541 |
| Assets per employee ($millions) | 4.3448% | 3,420 |
| Cash dividends to net income (ytd only)* | 175.0000% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,558 |
| Loan loss allowance to noncurrent loans | 31.6289% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 2.4274% | 327 |
| Noncurrent loans to loans | 3.8043% | 217 |
| Net loans and leases to total assets | 63.0383% | 3,399 |
| Net loans and leases to deposits | 73.1484% | 3,519 |
| Net loans and leases to core deposits | 94.2171% | 2,104 |
| Total domestic deposits to total assets | 86.1787% | 2,192 |
| Equity capital to assets | 13.4777% | 1,216 |
| Core capital (leverage) ratio | 13.2863% | 1,153 |
| Tier 1 risk-based capital ratio | 18.3721% | 1,698 |
| Total risk-based capital ratio | 19.4191% | 1,701 |
| Memoranda: | ||
| Average total assets | $123,242,500 | 3,745 |
| Average earning assets | $117,264,500 | 3,695 |
| Average equity | $16,545,500 | 3,528 |
| Average total loans | $82,637,500 | 3,639 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6263% | 2,060 |
| Cost of funding earning assets | 0.5390% | 3,119 |
| Net interest margin | 4.0873% | 1,725 |
| Noninterest income to average assets | 0.3349% | 3,874 |
| Noninterest expense to average assets | 2.8804% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0632% | 2,747 |
| Return on assets (ROA) | 1.0632% | 2,729 |
| Pretax return on assets | 1.3387% | 2,372 |
| Return on Equity (ROE) | 7.9626% | 3,454 |
| Retained earnings to average equity (ytd only) | 2.1559% | 4,291 |
| Net charge-offs to loans | 0.3797% | 497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 5.0248% | 3,232 |
| Efficiency ratio | 68.2698% | 2,497 |
| Assets per employee ($millions) | 4.1611% | 3,668 |
| Cash dividends to net income (ytd only)* | 72.9247% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,427 |
| Loan loss allowance to noncurrent loans | 29.7271% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.4994% | 308 |
| Noncurrent loans to loans | 3.5116% | 253 |
| Net loans and leases to total assets | 69.4838% | 2,654 |
| Net loans and leases to deposits | 80.3204% | 2,917 |
| Net loans and leases to core deposits | 99.5695% | 1,748 |
| Total domestic deposits to total assets | 86.5083% | 2,013 |
| Equity capital to assets | 13.3740% | 1,193 |
| Core capital (leverage) ratio | 14.4320% | 816 |
| Tier 1 risk-based capital ratio | 17.1898% | 1,998 |
| Total risk-based capital ratio | 18.1255% | 2,054 |
| Memoranda: | ||
| Average total assets | $121,234,200 | 3,769 |
| Average earning assets | $115,211,400 | 3,732 |
| Average equity | $16,188,200 | 3,499 |
| Average total loans | $85,077,400 | 3,567 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5919% | 2,000 |
| Cost of funding earning assets | 0.5115% | 3,120 |
| Net interest margin | 4.0804% | 1,692 |
| Noninterest income to average assets | 0.2504% | 4,477 |
| Noninterest expense to average assets | 2.9129% | 2,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9617% | 3,261 |
| Return on assets (ROA) | 0.9617% | 3,270 |
| Pretax return on assets | 1.2177% | 2,923 |
| Return on Equity (ROE) | 7.2054% | 3,857 |
| Retained earnings to average equity (ytd only) | -0.5977% | 5,103 |
| Net charge-offs to loans | -0.0568% | 4,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5204% | 2,115 |
| Assets per employee ($millions) | 3.5948% | 4,443 |
| Cash dividends to net income (ytd only)* | 108.2952% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 1,553 |
| Loan loss allowance to noncurrent loans | 36.7889% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 3.0470% | 234 |
| Noncurrent loans to loans | 3.9165% | 219 |
| Net loans and leases to total assets | 75.7589% | 1,696 |
| Net loans and leases to deposits | 90.7696% | 1,797 |
| Net loans and leases to core deposits | 119.4400% | 589 |
| Total domestic deposits to total assets | 83.4629% | 3,135 |
| Equity capital to assets | 14.0648% | 940 |
| Core capital (leverage) ratio | 14.0457% | 928 |
| Tier 1 risk-based capital ratio | 16.5713% | 2,254 |
| Total risk-based capital ratio | 17.8212% | 2,195 |
| Memoranda: | ||
| Average total assets | $120,334,750 | 3,823 |
| Average earning assets | $114,430,750 | 3,775 |
| Average equity | $16,061,500 | 3,539 |
| Average total loans | $84,433,500 | 3,614 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4022% | 2,407 |
| Cost of funding earning assets | 0.4655% | 3,254 |
| Net interest margin | 3.9368% | 2,081 |
| Noninterest income to average assets | 0.2113% | 4,749 |
| Noninterest expense to average assets | 2.8386% | 2,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9009% | 3,451 |
| Return on assets (ROA) | 0.9009% | 3,458 |
| Pretax return on assets | 1.1269% | 3,202 |
| Return on Equity (ROE) | 6.8654% | 3,939 |
| Retained earnings to average equity (ytd only) | -4.8682% | 5,284 |
| Net charge-offs to loans | -0.0674% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5820% | 2,071 |
| Assets per employee ($millions) | 3.6935% | 4,358 |
| Cash dividends to net income (ytd only)* | 170.9091% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 1,303 |
| Loan loss allowance to noncurrent loans | 35.5718% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 3.0112% | 245 |
| Noncurrent loans to loans | 4.2973% | 193 |
| Net loans and leases to total assets | 69.0013% | 2,726 |
| Net loans and leases to deposits | 79.9494% | 2,961 |
| Net loans and leases to core deposits | 104.1252% | 1,388 |
| Total domestic deposits to total assets | 86.3062% | 2,136 |
| Equity capital to assets | 13.4831% | 1,107 |
| Core capital (leverage) ratio | 13.2033% | 1,157 |
| Tier 1 risk-based capital ratio | 17.0749% | 2,076 |
| Total risk-based capital ratio | 18.3256% | 2,019 |
| Memoranda: | ||
| Average total assets | $122,102,330 | 3,824 |
| Average earning assets | $116,440,670 | 3,770 |
| Average equity | $16,022,330 | 3,565 |
| Average total loans | $83,104,330 | 3,656 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2954% | 2,535 |
| Cost of funding earning assets | 0.4265% | 3,390 |
| Net interest margin | 3.8689% | 2,160 |
| Noninterest income to average assets | 0.2128% | 4,735 |
| Noninterest expense to average assets | 2.7697% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8964% | 3,308 |
| Return on assets (ROA) | 0.8964% | 3,316 |
| Pretax return on assets | 1.1285% | 3,058 |
| Return on Equity (ROE) | 6.9217% | 3,818 |
| Retained earnings to average equity (ytd only) | -16.4825% | 5,473 |
| Net charge-offs to loans | -0.0673% | 5,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0505% | 2,327 |
| Assets per employee ($millions) | 4.0985% | 3,807 |
| Cash dividends to net income (ytd only)* | 338.1295% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 1,161 |
| Loan loss allowance to noncurrent loans | 33.8561% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 3.0076% | 270 |
| Noncurrent loans to loans | 4.7214% | 169 |
| Net loans and leases to total assets | 62.6826% | 3,464 |
| Net loans and leases to deposits | 72.0393% | 3,595 |
| Net loans and leases to core deposits | 91.8497% | 2,313 |
| Total domestic deposits to total assets | 87.0116% | 2,116 |
| Equity capital to assets | 12.7509% | 1,358 |
| Core capital (leverage) ratio | 12.6326% | 1,327 |
| Tier 1 risk-based capital ratio | 17.5864% | 1,948 |
| Total risk-based capital ratio | 18.8377% | 1,902 |
| Memoranda: | ||
| Average total assets | $124,057,500 | 3,830 |
| Average earning assets | $118,172,500 | 3,777 |
| Average equity | $16,065,500 | 3,584 |
| Average total loans | $83,246,500 | 3,683 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 1,701 |
| Cost of funding earning assets | 0.3701% | 3,515 |
| Net interest margin | 4.1316% | 1,344 |
| Noninterest income to average assets | 0.3180% | 4,187 |
| Noninterest expense to average assets | 2.9198% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9219% | 2,587 |
| Return on assets (ROA) | 0.9219% | 2,616 |
| Pretax return on assets | 1.3139% | 2,293 |
| Return on Equity (ROE) | 6.7755% | 3,397 |
| Retained earnings to average equity (ytd only) | 0.4698% | 4,847 |
| Net charge-offs to loans | -0.0514% | 5,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9648% | 2,711 |
| Assets per employee ($millions) | 4.0374% | 3,903 |
| Cash dividends to net income (ytd only)* | 93.0657% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 1,750 |
| Loan loss allowance to noncurrent loans | 34.7655% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.8452% | 298 |
| Noncurrent loans to loans | 4.0388% | 232 |
| Net loans and leases to total assets | 69.4565% | 2,607 |
| Net loans and leases to deposits | 80.0809% | 2,909 |
| Net loans and leases to core deposits | 100.2873% | 1,693 |
| Total domestic deposits to total assets | 86.7329% | 2,125 |
| Equity capital to assets | 13.1457% | 1,194 |
| Core capital (leverage) ratio | 13.8131% | 884 |
| Tier 1 risk-based capital ratio | 16.7365% | 2,181 |
| Total risk-based capital ratio | 17.9862% | 2,132 |
| Memoranda: | ||
| Average total assets | $118,879,200 | 3,914 |
| Average earning assets | $112,668,400 | 3,868 |
| Average equity | $16,176,000 | 3,571 |
| Average total loans | $85,646,600 | 3,621 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 1,848 |
| Cost of funding earning assets | 0.3532% | 3,632 |
| Net interest margin | 4.0812% | 1,440 |
| Noninterest income to average assets | 0.2694% | 4,581 |
| Noninterest expense to average assets | 2.9528% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8365% | 3,348 |
| Return on assets (ROA) | 0.8365% | 3,392 |
| Pretax return on assets | 1.1911% | 2,942 |
| Return on Equity (ROE) | 6.0925% | 4,082 |
| Retained earnings to average equity (ytd only) | -2.3509% | 5,449 |
| Net charge-offs to loans | -0.0549% | 5,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2562% | 2,332 |
| Assets per employee ($millions) | 3.7947% | 4,312 |
| Cash dividends to net income (ytd only)* | 138.5872% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 2,010 |
| Loan loss allowance to noncurrent loans | 38.0025% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 2.7491% | 348 |
| Noncurrent loans to loans | 3.6109% | 297 |
| Net loans and leases to total assets | 75.0903% | 1,749 |
| Net loans and leases to deposits | 94.1677% | 1,284 |
| Net loans and leases to core deposits | 123.3353% | 478 |
| Total domestic deposits to total assets | 79.7411% | 4,379 |
| Equity capital to assets | 13.8154% | 1,045 |
| Core capital (leverage) ratio | 13.6846% | 970 |
| Tier 1 risk-based capital ratio | 16.2035% | 2,415 |
| Total risk-based capital ratio | 17.4405% | 2,372 |
| Memoranda: | ||
| Average total assets | $117,309,250 | 3,975 |
| Average earning assets | $111,370,250 | 3,930 |
| Average equity | $16,106,750 | 3,615 |
| Average total loans | $85,016,000 | 3,660 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 2,506 |
| Cost of funding earning assets | 0.3181% | 3,898 |
| Net interest margin | 3.8715% | 2,026 |
| Noninterest income to average assets | 0.2850% | 4,516 |
| Noninterest expense to average assets | 2.9181% | 2,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7423% | 3,656 |
| Return on assets (ROA) | 0.7423% | 3,722 |
| Pretax return on assets | 1.0427% | 3,397 |
| Return on Equity (ROE) | 5.4177% | 4,303 |
| Retained earnings to average equity (ytd only) | -7.2859% | 5,594 |
| Net charge-offs to loans | -0.0551% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6751% | 2,072 |
| Assets per employee ($millions) | 3.6951% | 4,444 |
| Cash dividends to net income (ytd only)* | 234.4828% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 1,823 |
| Loan loss allowance to noncurrent loans | 36.3175% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 2.9254% | 320 |
| Noncurrent loans to loans | 3.9345% | 250 |
| Net loans and leases to total assets | 73.2907% | 1,988 |
| Net loans and leases to deposits | 85.4919% | 2,290 |
| Net loans and leases to core deposits | 113.9845% | 800 |
| Total domestic deposits to total assets | 85.7283% | 2,515 |
| Equity capital to assets | 13.9487% | 981 |
| Core capital (leverage) ratio | 13.7422% | 929 |
| Tier 1 risk-based capital ratio | 16.6349% | 2,266 |
| Total risk-based capital ratio | 17.8848% | 2,219 |
| Memoranda: | ||
| Average total assets | $117,200,000 | 4,006 |
| Average earning assets | $111,273,670 | 3,959 |
| Average equity | $16,058,330 | 3,635 |
| Average total loans | $83,500,330 | 3,704 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 1,287 |
| Cost of funding earning assets | 0.2989% | 4,056 |
| Net interest margin | 4.2379% | 909 |
| Noninterest income to average assets | 0.2464% | 4,772 |
| Noninterest expense to average assets | 2.8382% | 2,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9888% | 2,354 |
| Return on assets (ROA) | 0.9888% | 2,403 |
| Pretax return on assets | 1.4275% | 1,779 |
| Return on Equity (ROE) | 7.2802% | 3,278 |
| Retained earnings to average equity (ytd only) | -18.0638% | 5,703 |
| Net charge-offs to loans | -0.0435% | 5,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5348% | 3,405 |
| Assets per employee ($millions) | 3.8739% | 4,221 |
| Cash dividends to net income (ytd only)* | 348.1229% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 1,713 |
| Loan loss allowance to noncurrent loans | 60,150.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,384 |
| Noncurrent loans to loans | 0.0025% | 5,268 |
| Net loans and leases to total assets | 68.1751% | 2,653 |
| Net loans and leases to deposits | 79.2302% | 2,841 |
| Net loans and leases to core deposits | 103.9681% | 1,227 |
| Total domestic deposits to total assets | 86.0468% | 2,642 |
| Equity capital to assets | 13.5712% | 1,045 |
| Core capital (leverage) ratio | 13.2173% | 1,065 |
| Tier 1 risk-based capital ratio | 17.5796% | 2,011 |
| Total risk-based capital ratio | 18.8304% | 1,964 |
| Memoranda: | ||
| Average total assets | $118,526,000 | 4,022 |
| Average earning assets | $112,414,500 | 3,973 |
| Average equity | $16,098,500 | 3,651 |
| Average total loans | $82,665,500 | 3,750 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 1,295 |
| Cost of funding earning assets | 0.2696% | 4,370 |
| Net interest margin | 4.3246% | 890 |
| Noninterest income to average assets | 0.3274% | 4,397 |
| Noninterest expense to average assets | 2.7192% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1786% | 1,573 |
| Return on assets (ROA) | 1.1786% | 1,672 |
| Pretax return on assets | 1.6976% | 1,006 |
| Return on Equity (ROE) | 8.8866% | 2,474 |
| Retained earnings to average equity (ytd only) | 2.5612% | 4,061 |
| Net charge-offs to loans | -0.0619% | 5,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5642% | 4,336 |
| Assets per employee ($millions) | 4.0278% | 3,916 |
| Cash dividends to net income (ytd only)* | 71.1793% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 2,051 |
| Loan loss allowance to noncurrent loans | 119,400.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 5,449 |
| Noncurrent loans to loans | 0.0012% | 5,320 |
| Net loans and leases to total assets | 69.2705% | 2,588 |
| Net loans and leases to deposits | 80.3007% | 2,856 |
| Net loans and leases to core deposits | 102.5433% | 1,409 |
| Total domestic deposits to total assets | 86.2639% | 2,472 |
| Equity capital to assets | 13.5929% | 1,012 |
| Core capital (leverage) ratio | 14.2178% | 756 |
| Tier 1 risk-based capital ratio | 17.7507% | 1,923 |
| Total risk-based capital ratio | 19.0010% | 1,882 |
| Memoranda: | ||
| Average total assets | $121,581,000 | 3,964 |
| Average earning assets | $114,971,400 | 3,910 |
| Average equity | $16,125,400 | 3,678 |
| Average total loans | $80,765,600 | 3,787 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 1,417 |
| Cost of funding earning assets | 0.2685% | 4,403 |
| Net interest margin | 4.2772% | 967 |
| Noninterest income to average assets | 0.2847% | 4,731 |
| Noninterest expense to average assets | 2.7177% | 3,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1092% | 1,957 |
| Return on assets (ROA) | 1.1092% | 2,060 |
| Pretax return on assets | 1.6140% | 1,346 |
| Return on Equity (ROE) | 8.4149% | 2,804 |
| Retained earnings to average equity (ytd only) | -0.0581% | 5,364 |
| Net charge-offs to loans | -0.0602% | 5,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7401% | 4,105 |
| Assets per employee ($millions) | 3.6144% | 4,623 |
| Cash dividends to net income (ytd only)* | 100.6915% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 2,154 |
| 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 | 71.3032% | 2,296 |
| Net loans and leases to deposits | 86.1278% | 2,242 |
| Net loans and leases to core deposits | 113.1881% | 757 |
| Total domestic deposits to total assets | 82.7876% | 3,671 |
| Equity capital to assets | 14.1361% | 989 |
| Core capital (leverage) ratio | 13.8382% | 898 |
| Tier 1 risk-based capital ratio | 17.3709% | 2,112 |
| Total risk-based capital ratio | 18.6211% | 2,072 |
| Memoranda: | ||
| Average total assets | $121,767,500 | 3,985 |
| Average earning assets | $115,212,000 | 3,934 |
| Average equity | $16,050,500 | 3,718 |
| Average total loans | $79,732,750 | 3,831 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 1,836 |
| Cost of funding earning assets | 0.2662% | 4,487 |
| Net interest margin | 4.1315% | 1,288 |
| Noninterest income to average assets | 0.2859% | 4,744 |
| Noninterest expense to average assets | 2.6413% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0662% | 2,101 |
| Return on assets (ROA) | 1.0662% | 2,223 |
| Pretax return on assets | 1.5557% | 1,501 |
| Return on Equity (ROE) | 8.2755% | 2,848 |
| Retained earnings to average equity (ytd only) | -4.5139% | 5,727 |
| Net charge-offs to loans | -0.0561% | 5,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9330% | 4,189 |
| Assets per employee ($millions) | 3.9754% | 3,963 |
| Cash dividends to net income (ytd only)* | 154.5455% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 2,013 |
| 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 | 65.9050% | 3,098 |
| Net loans and leases to deposits | 76.5714% | 3,319 |
| Net loans and leases to core deposits | 100.9738% | 1,563 |
| Total domestic deposits to total assets | 86.0700% | 2,388 |
| Equity capital to assets | 13.4772% | 1,249 |
| Core capital (leverage) ratio | 12.9517% | 1,166 |
| Tier 1 risk-based capital ratio | 17.6016% | 2,047 |
| Total risk-based capital ratio | 18.8521% | 2,009 |
| Memoranda: | ||
| Average total assets | $123,803,000 | 3,981 |
| Average earning assets | $117,197,000 | 3,928 |
| Average equity | $15,950,670 | 3,742 |
| Average total loans | $78,427,000 | 3,889 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 2,381 |
| Cost of funding earning assets | 0.2609% | 4,603 |
| Net interest margin | 3.9671% | 1,720 |
| Noninterest income to average assets | 0.2253% | 5,130 |
| Noninterest expense to average assets | 2.5255% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0089% | 2,234 |
| Return on assets (ROA) | 1.0089% | 2,350 |
| Pretax return on assets | 1.4626% | 1,709 |
| Return on Equity (ROE) | 8.0053% | 2,908 |
| Retained earnings to average equity (ytd only) | -17.6720% | 5,938 |
| Net charge-offs to loans | -0.0257% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3254% | 4,253 |
| Assets per employee ($millions) | 4.1007% | 3,768 |
| Cash dividends to net income (ytd only)* | 320.7547% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 2,005 |
| Loan loss allowance to noncurrent loans | 22,980.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 5,665 |
| Noncurrent loans to loans | 0.0065% | 5,499 |
| Net loans and leases to total assets | 61.4993% | 3,593 |
| Net loans and leases to deposits | 70.7756% | 3,779 |
| Net loans and leases to core deposits | 92.0077% | 2,181 |
| Total domestic deposits to total assets | 86.8933% | 2,257 |
| Equity capital to assets | 12.6702% | 1,576 |
| Core capital (leverage) ratio | 12.0192% | 1,589 |
| Tier 1 risk-based capital ratio | 17.6081% | 2,094 |
| Total risk-based capital ratio | 18.8583% | 2,064 |
| Memoranda: | ||
| Average total assets | $126,074,000 | 3,978 |
| Average earning assets | $119,585,000 | 3,918 |
| Average equity | $15,889,500 | 3,750 |
| Average total loans | $77,758,000 | 3,926 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 2,325 |
| Cost of funding earning assets | 0.2449% | 4,837 |
| Net interest margin | 4.0224% | 1,642 |
| Noninterest income to average assets | 0.3837% | 4,159 |
| Noninterest expense to average assets | 2.5506% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1333% | 1,797 |
| Return on assets (ROA) | 1.1366% | 1,850 |
| Pretax return on assets | 1.6322% | 1,160 |
| Return on Equity (ROE) | 9.1194% | 2,400 |
| Retained earnings to average equity (ytd only) | 3.4759% | 3,584 |
| Net charge-offs to loans | -0.0717% | 5,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0484% | 4,752 |
| Assets per employee ($millions) | 4.6117% | 2,868 |
| Cash dividends to net income (ytd only)* | 61.8847% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 2,197 |
| Loan loss allowance to noncurrent loans | 114,400.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 5,742 |
| Noncurrent loans to loans | 0.0013% | 5,575 |
| Net loans and leases to total assets | 60.0695% | 3,827 |
| Net loans and leases to deposits | 68.8765% | 4,039 |
| Net loans and leases to core deposits | 87.6660% | 2,634 |
| Total domestic deposits to total assets | 87.2134% | 2,029 |
| Equity capital to assets | 12.5396% | 1,606 |
| Core capital (leverage) ratio | 13.4204% | 996 |
| Tier 1 risk-based capital ratio | 18.1191% | 1,930 |
| Total risk-based capital ratio | 19.3694% | 1,891 |
| Memoranda: | ||
| Average total assets | $125,108,800 | 3,982 |
| Average earning assets | $118,012,800 | 3,924 |
| Average equity | $15,593,200 | 3,748 |
| Average total loans | $72,573,200 | 4,031 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 2,622 |
| Cost of funding earning assets | 0.2458% | 4,926 |
| Net interest margin | 3.9414% | 1,891 |
| Noninterest income to average assets | 0.3449% | 4,464 |
| Noninterest expense to average assets | 2.5999% | 3,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0343% | 2,303 |
| Return on assets (ROA) | 1.0389% | 2,376 |
| Pretax return on assets | 1.4729% | 1,756 |
| Return on Equity (ROE) | 8.3485% | 2,906 |
| Retained earnings to average equity (ytd only) | 0.7511% | 5,387 |
| Net charge-offs to loans | -0.0732% | 5,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9366% | 4,262 |
| Assets per employee ($millions) | 4.1800% | 3,565 |
| Cash dividends to net income (ytd only)* | 91.0029% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 2,356 |
| 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 | 65.5408% | 3,083 |
| Net loans and leases to deposits | 77.2521% | 3,171 |
| Net loans and leases to core deposits | 96.7229% | 1,820 |
| Total domestic deposits to total assets | 84.8402% | 3,080 |
| Equity capital to assets | 13.4894% | 1,232 |
| Core capital (leverage) ratio | 12.9516% | 1,220 |
| Tier 1 risk-based capital ratio | 17.6201% | 2,152 |
| Total risk-based capital ratio | 18.8705% | 2,112 |
| Memoranda: | ||
| Average total assets | $124,104,250 | 4,040 |
| Average earning assets | $117,179,000 | 3,983 |
| Average equity | $15,443,500 | 3,805 |
| Average total loans | $71,039,000 | 4,110 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9411% | 3,528 |
| Cost of funding earning assets | 0.2441% | 5,005 |
| Net interest margin | 3.6970% | 2,721 |
| Noninterest income to average assets | 0.3432% | 4,499 |
| Noninterest expense to average assets | 2.5747% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9089% | 2,825 |
| Return on assets (ROA) | 0.9157% | 2,929 |
| Pretax return on assets | 1.2747% | 2,456 |
| Return on Equity (ROE) | 7.5545% | 3,288 |
| Retained earnings to average equity (ytd only) | -3.9273% | 5,972 |
| Net charge-offs to loans | -0.0785% | 5,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0511% | 3,831 |
| Assets per employee ($millions) | 4.1468% | 3,575 |
| Cash dividends to net income (ytd only)* | 151.9862% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 1,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 58.1518% | 4,079 |
| Net loans and leases to deposits | 66.7867% | 4,255 |
| Net loans and leases to core deposits | 82.9992% | 3,082 |
| Total domestic deposits to total assets | 87.0709% | 2,130 |
| Equity capital to assets | 12.6788% | 1,565 |
| Core capital (leverage) ratio | 12.3054% | 1,480 |
| Tier 1 risk-based capital ratio | 18.0892% | 2,041 |
| Total risk-based capital ratio | 19.3401% | 1,998 |
| Memoranda: | ||
| Average total assets | $126,459,000 | 4,033 |
| Average earning assets | $119,610,670 | 3,955 |
| Average equity | $15,328,670 | 3,842 |
| Average total loans | $68,772,000 | 4,197 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7255% | 4,273 |
| Cost of funding earning assets | 0.2414% | 5,116 |
| Net interest margin | 3.4841% | 3,497 |
| Noninterest income to average assets | 0.3180% | 4,644 |
| Noninterest expense to average assets | 2.5038% | 4,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8230% | 3,140 |
| Return on assets (ROA) | 0.8367% | 3,201 |
| Pretax return on assets | 1.1300% | 2,947 |
| Return on Equity (ROE) | 7.0529% | 3,480 |
| Retained earnings to average equity (ytd only) | -15.8496% | 6,228 |
| Net charge-offs to loans | -0.0828% | 5,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2570% | 3,614 |
| Assets per employee ($millions) | 4.3059% | 3,360 |
| Cash dividends to net income (ytd only)* | 324.7232% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 1,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 50.6299% | 4,783 |
| Net loans and leases to deposits | 57.8914% | 4,928 |
| Net loans and leases to core deposits | 70.8743% | 4,074 |
| Total domestic deposits to total assets | 87.4567% | 2,137 |
| Equity capital to assets | 12.1549% | 1,923 |
| Core capital (leverage) ratio | 11.5431% | 1,964 |
| Tier 1 risk-based capital ratio | 18.4041% | 2,033 |
| Total risk-based capital ratio | 19.6560% | 1,978 |
| Memoranda: | ||
| Average total assets | $129,560,500 | 3,999 |
| Average earning assets | $122,613,000 | 3,931 |
| Average equity | $15,369,500 | 3,861 |
| Average total loans | $67,633,000 | 4,244 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9007% | 4,121 |
| Cost of funding earning assets | 0.2606% | 5,217 |
| Net interest margin | 3.6401% | 3,256 |
| Noninterest income to average assets | 0.3700% | 4,429 |
| Noninterest expense to average assets | 2.5260% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9358% | 2,695 |
| Return on assets (ROA) | 0.9358% | 2,789 |
| Pretax return on assets | 1.2638% | 2,373 |
| Return on Equity (ROE) | 8.0796% | 3,086 |
| Retained earnings to average equity (ytd only) | 2.1742% | 4,692 |
| Net charge-offs to loans | -0.0573% | 5,966 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6530% | 4,124 |
| Assets per employee ($millions) | 4.6293% | 2,834 |
| Cash dividends to net income (ytd only)* | 73.0897% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 2,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 52.0268% | 4,778 |
| Net loans and leases to deposits | 58.9657% | 4,984 |
| Net loans and leases to core deposits | 69.1620% | 4,390 |
| Total domestic deposits to total assets | 88.2324% | 1,643 |
| Equity capital to assets | 11.5911% | 2,355 |
| Core capital (leverage) ratio | 13.1126% | 1,093 |
| Tier 1 risk-based capital ratio | 18.7106% | 1,930 |
| Total risk-based capital ratio | 19.9609% | 1,895 |
| Memoranda: | ||
| Average total assets | $128,664,000 | 4,001 |
| Average earning assets | $120,874,600 | 3,946 |
| Average equity | $14,901,800 | 3,853 |
| Average total loans | $66,330,800 | 4,286 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 4,282 |
| Cost of funding earning assets | 0.2689% | 5,218 |
| Net interest margin | 3.6005% | 3,426 |
| Noninterest income to average assets | 0.3028% | 5,023 |
| Noninterest expense to average assets | 2.5678% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8318% | 3,277 |
| Return on assets (ROA) | 0.8318% | 3,362 |
| Pretax return on assets | 1.1157% | 3,132 |
| Return on Equity (ROE) | 7.1836% | 3,615 |
| Retained earnings to average equity (ytd only) | -0.7780% | 5,929 |
| Net charge-offs to loans | -0.0511% | 5,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7099% | 3,560 |
| Assets per employee ($millions) | 3.8549% | 4,179 |
| Cash dividends to net income (ytd only)* | 110.8309% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5872% | 2,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 57.8519% | 4,093 |
| Net loans and leases to deposits | 68.1297% | 4,113 |
| Net loans and leases to core deposits | 84.6083% | 2,820 |
| Total domestic deposits to total assets | 84.9144% | 3,370 |
| Equity capital to assets | 13.0501% | 1,404 |
| Core capital (leverage) ratio | 12.5076% | 1,399 |
| Tier 1 risk-based capital ratio | 18.9112% | 1,926 |
| Total risk-based capital ratio | 20.1630% | 1,897 |
| Memoranda: | ||
| Average total assets | $127,267,500 | 4,060 |
| Average earning assets | $119,497,500 | 4,004 |
| Average equity | $14,737,000 | 3,904 |
| Average total loans | $65,179,000 | 4,364 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5945% | 5,168 |
| Cost of funding earning assets | 0.2739% | 5,248 |
| Net interest margin | 3.3206% | 4,505 |
| Noninterest income to average assets | 0.2760% | 5,217 |
| Noninterest expense to average assets | 2.5072% | 4,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6726% | 3,975 |
| Return on assets (ROA) | 0.6726% | 4,072 |
| Pretax return on assets | 0.8937% | 3,910 |
| Return on Equity (ROE) | 6.0334% | 4,130 |
| Retained earnings to average equity (ytd only) | -6.0060% | 6,295 |
| Net charge-offs to loans | -0.0623% | 5,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7220% | 3,025 |
| Assets per employee ($millions) | 4.1627% | 3,523 |
| Cash dividends to net income (ytd only)* | 199.5465% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 2,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 50.6430% | 4,895 |
| Net loans and leases to deposits | 57.6099% | 5,076 |
| Net loans and leases to core deposits | 69.3515% | 4,334 |
| Total domestic deposits to total assets | 87.9068% | 1,958 |
| Equity capital to assets | 11.8057% | 2,148 |
| Core capital (leverage) ratio | 11.4417% | 2,058 |
| Tier 1 risk-based capital ratio | 19.1150% | 1,894 |
| Total risk-based capital ratio | 20.3663% | 1,855 |
| Memoranda: | ||
| Average total assets | $131,141,000 | 4,011 |
| Average earning assets | $123,410,330 | 3,944 |
| Average equity | $14,618,670 | 3,926 |
| Average total loans | $64,244,330 | 4,417 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4751% | 5,492 |
| Cost of funding earning assets | 0.2817% | 5,261 |
| Net interest margin | 3.1934% | 4,941 |
| Noninterest income to average assets | 0.2473% | 5,383 |
| Noninterest expense to average assets | 2.4875% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6137% | 4,135 |
| Return on assets (ROA) | 0.6137% | 4,209 |
| Pretax return on assets | 0.7656% | 4,247 |
| Return on Equity (ROE) | 5.6607% | 4,202 |
| Retained earnings to average equity (ytd only) | -18.5209% | 6,512 |
| Net charge-offs to loans | -0.0561% | 5,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4652% | 2,732 |
| Assets per employee ($millions) | 4.3915% | 3,162 |
| Cash dividends to net income (ytd only)* | 427.1845% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8494% | 1,901 |
| Loan loss allowance to noncurrent loans | 106,300.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,354 |
| Noncurrent loans to loans | 0.0017% | 6,197 |
| Net loans and leases to total assets | 42.8209% | 5,604 |
| Net loans and leases to deposits | 48.1669% | 5,720 |
| Net loans and leases to core deposits | 58.0929% | 5,192 |
| Total domestic deposits to total assets | 88.9012% | 1,723 |
| Equity capital to assets | 10.8901% | 2,836 |
| Core capital (leverage) ratio | 10.7160% | 2,684 |
| Tier 1 risk-based capital ratio | 21.3171% | 1,413 |
| Total risk-based capital ratio | 22.5714% | 1,388 |
| Memoranda: | ||
| Average total assets | $134,271,500 | 3,989 |
| Average earning assets | $126,385,000 | 3,918 |
| Average equity | $14,556,500 | 3,937 |
| Average total loans | $64,208,000 | 4,453 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8864% | 4,509 |
| Cost of funding earning assets | 0.3054% | 5,555 |
| Net interest margin | 3.5810% | 3,548 |
| Noninterest income to average assets | 0.3487% | 4,824 |
| Noninterest expense to average assets | 2.4734% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9442% | 2,591 |
| Return on assets (ROA) | 0.9442% | 2,663 |
| Pretax return on assets | 1.2511% | 2,359 |
| Return on Equity (ROE) | 8.4076% | 2,823 |
| Retained earnings to average equity (ytd only) | 2.1848% | 4,693 |
| Net charge-offs to loans | -0.0896% | 6,452 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4083% | 4,490 |
| Assets per employee ($millions) | 4.5600% | 2,804 |
| Cash dividends to net income (ytd only)* | 74.0145% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 3,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 51.0859% | 4,963 |
| Net loans and leases to deposits | 57.3524% | 5,182 |
| Net loans and leases to core deposits | 67.4201% | 4,572 |
| Total domestic deposits to total assets | 89.0738% | 1,572 |
| Equity capital to assets | 10.7939% | 2,822 |
| Core capital (leverage) ratio | 12.0782% | 1,547 |
| Tier 1 risk-based capital ratio | 18.2266% | 2,174 |
| Total risk-based capital ratio | 19.4768% | 2,134 |
| Memoranda: | ||
| Average total assets | $131,641,400 | 4,040 |
| Average earning assets | $124,098,800 | 3,968 |
| Average equity | $14,784,200 | 3,906 |
| Average total loans | $64,765,800 | 4,453 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8490% | 4,670 |
| Cost of funding earning assets | 0.3157% | 5,594 |
| Net interest margin | 3.5333% | 3,742 |
| Noninterest income to average assets | 0.2884% | 5,388 |
| Noninterest expense to average assets | 2.5111% | 4,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8541% | 3,079 |
| Return on assets (ROA) | 0.8541% | 3,191 |
| Pretax return on assets | 1.1200% | 3,016 |
| Return on Equity (ROE) | 7.5281% | 3,365 |
| Retained earnings to average equity (ytd only) | -0.7663% | 6,095 |
| Net charge-offs to loans | -0.0822% | 6,452 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1549% | 3,893 |
| Assets per employee ($millions) | 3.7397% | 4,370 |
| Cash dividends to net income (ytd only)* | 110.1796% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 3,269 |
| Loan loss allowance to noncurrent loans | 103,500.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,539 |
| Noncurrent loans to loans | 0.0015% | 6,401 |
| Net loans and leases to total assets | 55.2465% | 4,424 |
| Net loans and leases to deposits | 63.1094% | 4,614 |
| Net loans and leases to core deposits | 76.4925% | 3,563 |
| Total domestic deposits to total assets | 87.5408% | 2,390 |
| Equity capital to assets | 12.1567% | 1,816 |
| Core capital (leverage) ratio | 11.5841% | 1,972 |
| Tier 1 risk-based capital ratio | 18.7447% | 2,067 |
| Total risk-based capital ratio | 19.9959% | 2,036 |
| Memoranda: | ||
| Average total assets | $130,352,000 | 4,104 |
| Average earning assets | $123,318,750 | 4,024 |
| Average equity | $14,788,750 | 3,956 |
| Average total loans | $63,222,500 | 4,550 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6441% | 5,310 |
| Cost of funding earning assets | 0.3137% | 5,728 |
| Net interest margin | 3.3304% | 4,445 |
| Noninterest income to average assets | 0.2629% | 5,579 |
| Noninterest expense to average assets | 2.4090% | 5,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7736% | 3,444 |
| Return on assets (ROA) | 0.7736% | 3,591 |
| Pretax return on assets | 1.0096% | 3,466 |
| Return on Equity (ROE) | 6.9675% | 3,616 |
| Retained earnings to average equity (ytd only) | -5.4072% | 6,482 |
| Net charge-offs to loans | -0.0840% | 6,453 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4675% | 3,741 |
| Assets per employee ($millions) | 3.9556% | 3,905 |
| Cash dividends to net income (ytd only)* | 177.6062% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7082% | 2,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 45.0511% | 5,630 |
| Net loans and leases to deposits | 50.7180% | 5,789 |
| Net loans and leases to core deposits | 60.3489% | 5,234 |
| Total domestic deposits to total assets | 88.8267% | 1,720 |
| Equity capital to assets | 10.9657% | 2,786 |
| Core capital (leverage) ratio | 10.8135% | 2,544 |
| Tier 1 risk-based capital ratio | 20.0357% | 1,711 |
| Total risk-based capital ratio | 21.2883% | 1,678 |
| Memoranda: | ||
| Average total assets | $133,912,330 | 4,061 |
| Average earning assets | $126,891,670 | 3,969 |
| Average equity | $14,869,000 | 3,972 |
| Average total loans | $61,913,670 | 4,608 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 5,382 |
| Cost of funding earning assets | 0.3180% | 5,823 |
| Net interest margin | 3.3042% | 4,502 |
| Noninterest income to average assets | 0.2242% | 5,870 |
| Noninterest expense to average assets | 2.3451% | 5,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7935% | 3,201 |
| Return on assets (ROA) | 0.7935% | 3,336 |
| Pretax return on assets | 1.0059% | 3,321 |
| Return on Equity (ROE) | 7.1040% | 3,438 |
| Retained earnings to average equity (ytd only) | -17.1921% | 6,793 |
| Net charge-offs to loans | -0.0890% | 6,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9824% | 3,977 |
| Assets per employee ($millions) | 4.3049% | 3,328 |
| Cash dividends to net income (ytd only)* | 342.0074% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8365% | 2,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 39.1890% | 6,067 |
| Net loans and leases to deposits | 44.1361% | 6,195 |
| Net loans and leases to core deposits | 52.4065% | 5,791 |
| Total domestic deposits to total assets | 88.7912% | 1,804 |
| Equity capital to assets | 10.7246% | 3,288 |
| Core capital (leverage) ratio | 10.3500% | 2,969 |
| Tier 1 risk-based capital ratio | 21.2702% | 1,475 |
| Total risk-based capital ratio | 22.5241% | 1,452 |
| Memoranda: | ||
| Average total assets | $135,601,500 | 4,075 |
| Average earning assets | $128,320,500 | 3,977 |
| Average equity | $15,146,500 | 3,965 |
| Average total loans | $62,956,000 | 4,603 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 4,279 |
| Cost of funding earning assets | 0.3822% | 6,039 |
| Net interest margin | 3.8965% | 2,840 |
| Noninterest income to average assets | 0.4418% | 4,305 |
| Noninterest expense to average assets | 2.6341% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0958% | 1,950 |
| Return on assets (ROA) | 1.0958% | 2,134 |
| Pretax return on assets | 1.4479% | 1,861 |
| Return on Equity (ROE) | 8.8483% | 2,702 |
| Retained earnings to average equity (ytd only) | 2.2054% | 4,685 |
| Net charge-offs to loans | -0.0927% | 6,810 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4901% | 4,800 |
| Assets per employee ($millions) | 4.1702% | 3,614 |
| Cash dividends to net income (ytd only)* | 75.0751% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 4,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 52.3961% | 4,868 |
| Net loans and leases to deposits | 59.6287% | 5,063 |
| Net loans and leases to core deposits | 69.0616% | 4,429 |
| Total domestic deposits to total assets | 87.8707% | 2,311 |
| Equity capital to assets | 11.6295% | 2,326 |
| Core capital (leverage) ratio | 12.6285% | 1,266 |
| Tier 1 risk-based capital ratio | 17.6995% | 2,385 |
| Total risk-based capital ratio | 18.8923% | 2,366 |
| Memoranda: | ||
| Average total assets | $121,558,800 | 4,326 |
| Average earning assets | $113,562,000 | 4,261 |
| Average equity | $15,053,800 | 3,954 |
| Average total loans | $60,410,800 | 4,691 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2772% | 4,541 |
| Cost of funding earning assets | 0.3987% | 6,126 |
| Net interest margin | 3.8785% | 2,989 |
| Noninterest income to average assets | 0.4351% | 4,390 |
| Noninterest expense to average assets | 2.7490% | 4,177 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0198% | 2,408 |
| Return on assets (ROA) | 1.0198% | 2,640 |
| Pretax return on assets | 1.3065% | 2,583 |
| Return on Equity (ROE) | 8.0957% | 3,242 |
| Retained earnings to average equity (ytd only) | -0.8301% | 6,249 |
| Net charge-offs to loans | -0.0992% | 6,850 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7294% | 4,120 |
| Assets per employee ($millions) | 3.1940% | 5,645 |
| Cash dividends to net income (ytd only)* | 110.2539% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 3,488 |
| Loan loss allowance to noncurrent loans | 8,936.3636% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 6,763 |
| Noncurrent loans to loans | 0.0180% | 6,600 |
| Net loans and leases to total assets | 53.8170% | 4,776 |
| Net loans and leases to deposits | 62.8435% | 4,870 |
| Net loans and leases to core deposits | 75.8702% | 3,743 |
| Total domestic deposits to total assets | 85.6365% | 3,446 |
| Equity capital to assets | 13.5907% | 1,314 |
| Core capital (leverage) ratio | 12.6627% | 1,340 |
| Tier 1 risk-based capital ratio | 19.6475% | 1,843 |
| Total risk-based capital ratio | 20.8983% | 1,816 |
| Memoranda: | ||
| Average total assets | $118,587,250 | 4,428 |
| Average earning assets | $110,692,750 | 4,372 |
| Average equity | $14,937,500 | 4,021 |
| Average total loans | $57,784,500 | 4,847 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 5,368 |
| Cost of funding earning assets | 0.3997% | 6,265 |
| Net interest margin | 3.6865% | 3,888 |
| Noninterest income to average assets | 0.4981% | 3,933 |
| Noninterest expense to average assets | 2.7124% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9400% | 2,712 |
| Return on assets (ROA) | 0.9400% | 2,973 |
| Pretax return on assets | 1.2197% | 2,839 |
| Return on Equity (ROE) | 7.6486% | 3,420 |
| Retained earnings to average equity (ytd only) | -5.8173% | 6,663 |
| Net charge-offs to loans | -0.1024% | 6,867 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9394% | 3,953 |
| Assets per employee ($millions) | 3.6847% | 4,551 |
| Cash dividends to net income (ytd only)* | 176.0563% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 3,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 47.1949% | 5,694 |
| Net loans and leases to deposits | 54.3858% | 5,828 |
| Net loans and leases to core deposits | 64.6675% | 5,134 |
| Total domestic deposits to total assets | 86.7779% | 2,907 |
| Equity capital to assets | 12.5631% | 1,775 |
| Core capital (leverage) ratio | 11.8798% | 1,666 |
| Tier 1 risk-based capital ratio | 20.5266% | 1,567 |
| Total risk-based capital ratio | 21.7788% | 1,551 |
| Memoranda: | ||
| Average total assets | $120,853,000 | 4,403 |
| Average earning assets | $112,572,330 | 4,344 |
| Average equity | $14,852,330 | 4,019 |
| Average total loans | $56,664,330 | 4,922 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 5,941 |
| Cost of funding earning assets | 0.3985% | 6,419 |
| Net interest margin | 3.5339% | 4,554 |
| Noninterest income to average assets | 0.7030% | 2,649 |
| Noninterest expense to average assets | 2.6683% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9712% | 2,589 |
| Return on assets (ROA) | 0.9712% | 2,792 |
| Pretax return on assets | 1.3407% | 2,388 |
| Return on Equity (ROE) | 7.9882% | 3,287 |
| Retained earnings to average equity (ytd only) | -18.9080% | 7,032 |
| Net charge-offs to loans | -0.1058% | 6,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4763% | 4,468 |
| Assets per employee ($millions) | 3.5151% | 5,084 |
| Cash dividends to net income (ytd only)* | 336.7003% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8294% | 2,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 42.8819% | 6,111 |
| Net loans and leases to deposits | 49.1748% | 6,207 |
| Net loans and leases to core deposits | 59.2207% | 5,608 |
| Total domestic deposits to total assets | 87.2030% | 2,823 |
| Equity capital to assets | 12.1402% | 1,947 |
| Core capital (leverage) ratio | 11.3934% | 1,968 |
| Tier 1 risk-based capital ratio | 21.8624% | 1,308 |
| Total risk-based capital ratio | 23.1158% | 1,285 |
| Memoranda: | ||
| Average total assets | $122,325,000 | 4,402 |
| Average earning assets | $114,434,500 | 4,324 |
| Average equity | $14,872,000 | 4,018 |
| Average total loans | $56,688,500 | 4,956 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 3,683 |
| Cost of funding earning assets | 0.4676% | 6,666 |
| Net interest margin | 4.3582% | 1,519 |
| Noninterest income to average assets | 0.2769% | 5,552 |
| Noninterest expense to average assets | 2.7753% | 4,447 |
| Loan and lease loss provision to assets | 0.0415% | 6,058 |
| Net operating income to assets | 1.1531% | 1,661 |
| Return on assets (ROA) | 1.1531% | 1,768 |
| Pretax return on assets | 1.5239% | 1,405 |
| Return on Equity (ROE) | 9.3150% | 2,321 |
| Retained earnings to average equity (ytd only) | 1.7919% | 4,936 |
| Net charge-offs to loans | -0.1510% | 7,186 |
| Credit loss provision to net charge-offs | -52.1277% | 6,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7605% | 5,170 |
| Assets per employee ($millions) | 3.7921% | 4,335 |
| Cash dividends to net income (ytd only)* | 80.7636% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 3,844 |
| Loan loss allowance to noncurrent loans | 94,000.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 5,672 |
| Noncurrent loans to loans | 0.0016% | 6,872 |
| Net loans and leases to total assets | 48.1333% | 5,811 |
| Net loans and leases to deposits | 55.1201% | 5,970 |
| Net loans and leases to core deposits | 63.2859% | 5,535 |
| Total domestic deposits to total assets | 87.3244% | 2,569 |
| Equity capital to assets | 12.1746% | 1,993 |
| Core capital (leverage) ratio | 13.2090% | 1,069 |
| Tier 1 risk-based capital ratio | 19.8080% | 1,681 |
| Total risk-based capital ratio | 21.0585% | 1,653 |
| Memoranda: | ||
| Average total assets | $118,114,200 | 4,456 |
| Average earning assets | $110,137,800 | 4,389 |
| Average equity | $14,621,600 | 3,983 |
| Average total loans | $62,268,400 | 4,783 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 3,553 |
| Cost of funding earning assets | 0.4920% | 6,730 |
| Net interest margin | 4.4087% | 1,381 |
| Noninterest income to average assets | 0.2429% | 5,883 |
| Noninterest expense to average assets | 2.8326% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1482% | 1,820 |
| Return on assets (ROA) | 1.1482% | 1,937 |
| Pretax return on assets | 1.5274% | 1,587 |
| Return on Equity (ROE) | 9.2338% | 2,488 |
| Retained earnings to average equity (ytd only) | -0.9031% | 6,141 |
| Net charge-offs to loans | -0.1748% | 7,247 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7306% | 4,948 |
| Assets per employee ($millions) | 3.1453% | 5,799 |
| Cash dividends to net income (ytd only)* | 109.7802% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 4,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 5,586 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 60.6246% | 4,024 |
| Net loans and leases to deposits | 71.1720% | 4,108 |
| Net loans and leases to core deposits | 84.7721% | 2,945 |
| Total domestic deposits to total assets | 85.1805% | 3,689 |
| Equity capital to assets | 13.9742% | 1,162 |
| Core capital (leverage) ratio | 12.8081% | 1,295 |
| Tier 1 risk-based capital ratio | 18.2147% | 2,181 |
| Total risk-based capital ratio | 19.3514% | 2,179 |
| Memoranda: | ||
| Average total assets | $116,358,250 | 4,523 |
| Average earning assets | $108,662,250 | 4,466 |
| Average equity | $14,468,250 | 4,041 |
| Average total loans | $62,542,250 | 4,807 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 4,713 |
| Cost of funding earning assets | 0.5009% | 6,846 |
| Net interest margin | 4.1574% | 2,198 |
| Noninterest income to average assets | 0.2477% | 5,877 |
| Noninterest expense to average assets | 2.7381% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0645% | 1,985 |
| Return on assets (ROA) | 1.0645% | 2,076 |
| Pretax return on assets | 1.3992% | 1,797 |
| Return on Equity (ROE) | 8.8891% | 2,559 |
| Retained earnings to average equity (ytd only) | -6.4851% | 6,686 |
| Net charge-offs to loans | -0.2212% | 7,303 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1812% | 4,842 |
| Assets per employee ($millions) | 3.2589% | 5,505 |
| Cash dividends to net income (ytd only)* | 172.9560% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 4,369 |
| Loan loss allowance to noncurrent loans | 86,500.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 5,727 |
| Noncurrent loans to loans | 0.0017% | 7,021 |
| Net loans and leases to total assets | 51.7267% | 5,606 |
| Net loans and leases to deposits | 59.6544% | 5,759 |
| Net loans and leases to core deposits | 70.1471% | 5,057 |
| Total domestic deposits to total assets | 86.7106% | 2,915 |
| Equity capital to assets | 12.6459% | 1,710 |
| Core capital (leverage) ratio | 11.6421% | 1,823 |
| Tier 1 risk-based capital ratio | 19.1357% | 1,806 |
| Total risk-based capital ratio | 20.3419% | 1,777 |
| Memoranda: | ||
| Average total assets | $119,497,670 | 4,472 |
| Average earning assets | $111,800,000 | 4,390 |
| Average equity | $14,309,670 | 4,061 |
| Average total loans | $61,486,000 | 4,890 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 5,527 |
| Cost of funding earning assets | 0.5200% | 6,897 |
| Net interest margin | 3.9262% | 3,020 |
| Noninterest income to average assets | 0.2160% | 6,190 |
| Noninterest expense to average assets | 2.6707% | 4,960 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9688% | 2,285 |
| Return on assets (ROA) | 0.9688% | 2,349 |
| Pretax return on assets | 1.2273% | 2,280 |
| Return on Equity (ROE) | 8.3073% | 2,773 |
| Retained earnings to average equity (ytd only) | -22.5645% | 7,201 |
| Net charge-offs to loans | -0.3596% | 7,369 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5139% | 4,558 |
| Assets per employee ($millions) | 3.5823% | 4,795 |
| Cash dividends to net income (ytd only)* | 371.6216% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 4,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 5,791 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 46.6773% | 6,216 |
| Net loans and leases to deposits | 53.1748% | 6,367 |
| Net loans and leases to core deposits | 62.3341% | 5,894 |
| Total domestic deposits to total assets | 87.7808% | 2,503 |
| Equity capital to assets | 11.7319% | 2,097 |
| Core capital (leverage) ratio | 10.8421% | 2,318 |
| Tier 1 risk-based capital ratio | 20.0708% | 1,573 |
| Total risk-based capital ratio | 21.3216% | 1,537 |
| Memoranda: | ||
| Average total assets | $122,216,000 | 4,412 |
| Average earning assets | $114,613,500 | 4,337 |
| Average equity | $14,252,500 | 4,063 |
| Average total loans | $62,296,500 | 4,888 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 4,839 |
| Cost of funding earning assets | 0.6411% | 7,025 |
| Net interest margin | 4.2979% | 1,826 |
| Noninterest income to average assets | 0.3336% | 5,398 |
| Noninterest expense to average assets | 2.4947% | 5,819 |
| Loan and lease loss provision to assets | 0.0874% | 6,279 |
| Net operating income to assets | 1.3280% | 1,109 |
| Return on assets (ROA) | 1.3280% | 1,179 |
| Pretax return on assets | 1.7823% | 793 |
| Return on Equity (ROE) | 11.9029% | 1,334 |
| Retained earnings to average equity (ytd only) | 4.6416% | 2,643 |
| Net charge-offs to loans | 0.0511% | 6,281 |
| Credit loss provision to net charge-offs | 333.3333% | 768 |
| Earnings coverage of net charge-offs (x) | 71.3333% | 340 |
| Efficiency ratio | 57.0701% | 6,450 |
| Assets per employee ($millions) | 3.8247% | 4,195 |
| Cash dividends to net income (ytd only)* | 61.0048% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,678 |
| Loan loss allowance to noncurrent loans | 116.6911% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 5,947 |
| Noncurrent loans to loans | 0.9962% | 5,067 |
| Net loans and leases to total assets | 53.6881% | 5,675 |
| Net loans and leases to deposits | 60.9955% | 5,955 |
| Net loans and leases to core deposits | 69.1593% | 5,532 |
| Total domestic deposits to total assets | 88.0197% | 2,239 |
| Equity capital to assets | 11.5960% | 2,185 |
| Core capital (leverage) ratio | 11.9389% | 1,594 |
| Tier 1 risk-based capital ratio | 17.5996% | 2,134 |
| Total risk-based capital ratio | 18.5883% | 2,188 |
| Memoranda: | ||
| Average total assets | $125,907,400 | 4,355 |
| Average earning assets | $118,081,600 | 4,274 |
| Average equity | $14,047,000 | 4,134 |
| Average total loans | $64,590,800 | 4,884 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9070% | 5,233 |
| Cost of funding earning assets | 0.6732% | 7,124 |
| Net interest margin | 4.2338% | 2,094 |
| Noninterest income to average assets | 0.2819% | 5,855 |
| Noninterest expense to average assets | 2.4795% | 5,784 |
| Loan and lease loss provision to assets | 0.0477% | 6,605 |
| Net operating income to assets | 1.2768% | 1,392 |
| Return on assets (ROA) | 1.2768% | 1,478 |
| Pretax return on assets | 1.7261% | 1,063 |
| Return on Equity (ROE) | 11.5587% | 1,632 |
| Retained earnings to average equity (ytd only) | 1.7746% | 5,081 |
| Net charge-offs to loans | 0.0692% | 5,821 |
| Credit loss provision to net charge-offs | 136.3636% | 2,936 |
| Earnings coverage of net charge-offs (x) | 50.7259% | 561 |
| Efficiency ratio | 58.2960% | 6,220 |
| Assets per employee ($millions) | 3.4882% | 5,011 |
| Cash dividends to net income (ytd only)* | 84.6474% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 6,086 |
| Loan loss allowance to noncurrent loans | 61.8766% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.0277% | 5,043 |
| Noncurrent loans to loans | 1.7255% | 4,057 |
| Net loans and leases to total assets | 58.9244% | 5,115 |
| Net loans and leases to deposits | 68.0700% | 5,410 |
| Net loans and leases to core deposits | 79.7041% | 4,563 |
| Total domestic deposits to total assets | 86.5644% | 2,779 |
| Equity capital to assets | 12.6390% | 1,784 |
| Core capital (leverage) ratio | 11.3987% | 2,011 |
| Tier 1 risk-based capital ratio | 17.1189% | 2,299 |
| Total risk-based capital ratio | 18.0326% | 2,380 |
| Memoranda: | ||
| Average total assets | $125,830,250 | 4,420 |
| Average earning assets | $118,032,500 | 4,334 |
| Average equity | $13,899,750 | 4,221 |
| Average total loans | $63,598,500 | 4,997 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5949% | 6,473 |
| Cost of funding earning assets | 0.6820% | 7,228 |
| Net interest margin | 3.9129% | 3,386 |
| Noninterest income to average assets | 0.2612% | 6,051 |
| Noninterest expense to average assets | 2.4203% | 6,008 |
| Loan and lease loss provision to assets | 0.0464% | 6,504 |
| Net operating income to assets | 1.1020% | 1,846 |
| Return on assets (ROA) | 1.1020% | 1,914 |
| Pretax return on assets | 1.4745% | 1,628 |
| Return on Equity (ROE) | 10.4214% | 1,955 |
| Retained earnings to average equity (ytd only) | -4.4872% | 6,498 |
| Net charge-offs to loans | 0.1065% | 5,090 |
| Credit loss provision to net charge-offs | 90.9091% | 4,391 |
| Earnings coverage of net charge-offs (x) | 29.8182% | 926 |
| Efficiency ratio | 61.4118% | 5,790 |
| Assets per employee ($millions) | 3.6281% | 4,642 |
| Cash dividends to net income (ytd only)* | 143.0575% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 5,950 |
| Loan loss allowance to noncurrent loans | 59.7002% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 5,191 |
| Noncurrent loans to loans | 1.8381% | 3,952 |
| Net loans and leases to total assets | 52.3874% | 6,173 |
| Net loans and leases to deposits | 59.4269% | 6,465 |
| Net loans and leases to core deposits | 70.8101% | 5,792 |
| Total domestic deposits to total assets | 88.1544% | 1,927 |
| Equity capital to assets | 11.2141% | 2,678 |
| Core capital (leverage) ratio | 10.1907% | 2,949 |
| Tier 1 risk-based capital ratio | 16.7868% | 2,368 |
| Total risk-based capital ratio | 17.6971% | 2,442 |
| Memoranda: | ||
| Average total assets | $129,403,000 | 4,370 |
| Average earning assets | $121,699,330 | 4,277 |
| Average equity | $13,683,330 | 4,272 |
| Average total loans | $61,944,330 | 5,103 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 7,252 |
| Cost of funding earning assets | 0.6549% | 7,422 |
| Net interest margin | 3.5537% | 4,930 |
| Noninterest income to average assets | 0.2477% | 6,173 |
| Noninterest expense to average assets | 2.4225% | 6,007 |
| Loan and lease loss provision to assets | 0.0453% | 6,217 |
| Net operating income to assets | 0.8820% | 2,625 |
| Return on assets (ROA) | 0.8820% | 2,697 |
| Pretax return on assets | 1.1236% | 2,660 |
| Return on Equity (ROE) | 8.5829% | 2,634 |
| Retained earnings to average equity (ytd only) | -21.3984% | 7,402 |
| Net charge-offs to loans | 0.2257% | 3,574 |
| Credit loss provision to net charge-offs | 44.1176% | 4,570 |
| Earnings coverage of net charge-offs (x) | 11.3824% | 1,645 |
| Efficiency ratio | 67.4516% | 4,826 |
| Assets per employee ($millions) | 3.9869% | 3,904 |
| Cash dividends to net income (ytd only)* | 349.3151% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 5,498 |
| Loan loss allowance to noncurrent loans | 57.8383% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 5,306 |
| Noncurrent loans to loans | 2.0754% | 3,685 |
| Net loans and leases to total assets | 43.8545% | 7,007 |
| Net loans and leases to deposits | 49.0200% | 7,181 |
| Net loans and leases to core deposits | 62.5527% | 6,554 |
| Total domestic deposits to total assets | 89.4624% | 1,261 |
| Equity capital to assets | 10.0603% | 3,789 |
| Core capital (leverage) ratio | 10.1254% | 3,008 |
| Tier 1 risk-based capital ratio | 17.6765% | 2,028 |
| Total risk-based capital ratio | 18.6444% | 2,079 |
| Memoranda: | ||
| Average total assets | $132,427,500 | 4,353 |
| Average earning assets | $124,603,000 | 4,266 |
| Average equity | $13,608,500 | 4,328 |
| Average total loans | $60,247,000 | 5,238 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0997% | 6,087 |
| Cost of funding earning assets | 0.8001% | 7,552 |
| Net interest margin | 4.2996% | 1,721 |
| Noninterest income to average assets | 0.3935% | 5,257 |
| Noninterest expense to average assets | 2.5190% | 6,064 |
| Loan and lease loss provision to assets | 0.0570% | 6,994 |
| Net operating income to assets | 1.3214% | 992 |
| Return on assets (ROA) | 1.3214% | 1,037 |
| Pretax return on assets | 1.8453% | 579 |
| Return on Equity (ROE) | 12.1613% | 1,121 |
| Retained earnings to average equity (ytd only) | 3.9138% | 2,473 |
| Net charge-offs to loans | 0.9936% | 2,423 |
| Credit loss provision to net charge-offs | 11.7450% | 6,968 |
| Earnings coverage of net charge-offs (x) | 3.9178% | 3,142 |
| Efficiency ratio | 56.9375% | 6,895 |
| Assets per employee ($millions) | 4.1653% | 3,500 |
| Cash dividends to net income (ytd only)* | 67.8175% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 5,589 |
| Loan loss allowance to noncurrent loans | 58.6319% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 0.9213% | 5,251 |
| Noncurrent loans to loans | 1.9776% | 3,675 |
| Net loans and leases to total assets | 46.0469% | 6,967 |
| Net loans and leases to deposits | 51.6903% | 7,162 |
| Net loans and leases to core deposits | 97.5290% | 4,279 |
| Total domestic deposits to total assets | 89.0823% | 1,445 |
| Equity capital to assets | 10.4893% | 3,191 |
| Core capital (leverage) ratio | 11.4761% | 1,925 |
| Tier 1 risk-based capital ratio | 17.4696% | 2,034 |
| Total risk-based capital ratio | 18.3992% | 2,071 |
| Memoranda: | ||
| Average total assets | $122,747,200 | 4,497 |
| Average earning assets | $114,988,200 | 4,420 |
| Average equity | $13,337,400 | 4,420 |
| Average total loans | $59,985,200 | 5,251 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 6,071 |
| Cost of funding earning assets | 0.8448% | 7,632 |
| Net interest margin | 4.3139% | 1,698 |
| Noninterest income to average assets | 0.3341% | 5,815 |
| Noninterest expense to average assets | 2.5631% | 5,843 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2999% | 1,216 |
| Return on assets (ROA) | 1.2999% | 1,295 |
| Pretax return on assets | 1.8127% | 782 |
| Return on Equity (ROE) | 11.8490% | 1,394 |
| Retained earnings to average equity (ytd only) | 0.7184% | 4,885 |
| Net charge-offs to loans | 0.0381% | 6,374 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 96.0423% | 368 |
| Efficiency ratio | 58.5743% | 6,634 |
| Assets per employee ($millions) | 3.4586% | 5,029 |
| Cash dividends to net income (ytd only)* | 93.9371% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9360% | 1,941 |
| Loan loss allowance to noncurrent loans | 67.5275% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.5477% | 4,044 |
| Noncurrent loans to loans | 2.8670% | 2,651 |
| Net loans and leases to total assets | 52.9381% | 6,506 |
| Net loans and leases to deposits | 60.8786% | 6,758 |
| Net loans and leases to core deposits | 103.5325% | 3,990 |
| Total domestic deposits to total assets | 86.9568% | 2,200 |
| Equity capital to assets | 11.7030% | 2,433 |
| Core capital (leverage) ratio | 10.9874% | 2,412 |
| Tier 1 risk-based capital ratio | 16.7988% | 2,334 |
| Total risk-based capital ratio | 18.0525% | 2,286 |
| Memoranda: | ||
| Average total assets | $120,112,000 | 4,592 |
| Average earning assets | $112,533,750 | 4,529 |
| Average equity | $13,176,500 | 4,493 |
| Average total loans | $59,457,750 | 5,314 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0377% | 6,655 |
| Cost of funding earning assets | 0.8655% | 7,734 |
| Net interest margin | 4.1722% | 2,089 |
| Noninterest income to average assets | 0.3340% | 5,838 |
| Noninterest expense to average assets | 2.5547% | 5,924 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1922% | 1,498 |
| Return on assets (ROA) | 1.1922% | 1,582 |
| Pretax return on assets | 1.6850% | 1,044 |
| Return on Equity (ROE) | 11.1083% | 1,676 |
| Retained earnings to average equity (ytd only) | -5.8392% | 6,426 |
| Net charge-offs to loans | 0.0034% | 6,574 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1,019.0000% | 26 |
| Efficiency ratio | 60.2574% | 6,504 |
| Assets per employee ($millions) | 3.4737% | 4,885 |
| Cash dividends to net income (ytd only)* | 152.5659% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0740% | 1,434 |
| Loan loss allowance to noncurrent loans | 67.2973% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.5664% | 3,880 |
| Noncurrent loans to loans | 3.0818% | 2,329 |
| Net loans and leases to total assets | 49.7718% | 6,895 |
| Net loans and leases to deposits | 56.2618% | 7,146 |
| Net loans and leases to core deposits | 101.6602% | 4,315 |
| Total domestic deposits to total assets | 88.4647% | 1,543 |
| Equity capital to assets | 10.9528% | 2,962 |
| Core capital (leverage) ratio | 10.5057% | 2,807 |
| Tier 1 risk-based capital ratio | 16.9748% | 2,312 |
| Total risk-based capital ratio | 18.2297% | 2,258 |
| Memoranda: | ||
| Average total assets | $120,951,330 | 4,607 |
| Average earning assets | $113,226,330 | 4,533 |
| Average equity | $12,981,330 | 4,547 |
| Average total loans | $58,116,670 | 5,417 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0618% | 6,757 |
| Cost of funding earning assets | 0.9056% | 7,806 |
| Net interest margin | 4.1562% | 2,068 |
| Noninterest income to average assets | 0.3269% | 5,836 |
| Noninterest expense to average assets | 2.3665% | 6,314 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3075% | 1,360 |
| Return on assets (ROA) | 1.3075% | 1,458 |
| Pretax return on assets | 1.8305% | 923 |
| Return on Equity (ROE) | 12.3039% | 1,569 |
| Retained earnings to average equity (ytd only) | -21.5318% | 7,690 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3863% | 6,912 |
| Assets per employee ($millions) | 3.5800% | 4,620 |
| Cash dividends to net income (ytd only)* | 275.0000% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3428% | 902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 42.6697% | 7,425 |
| Net loans and leases to deposits | 47.9983% | 7,576 |
| Net loans and leases to core deposits | 85.0717% | 5,974 |
| Total domestic deposits to total assets | 88.8984% | 1,274 |
| Equity capital to assets | 10.4509% | 3,509 |
| Core capital (leverage) ratio | 10.2324% | 3,168 |
| Tier 1 risk-based capital ratio | 17.7510% | 2,112 |
| Total risk-based capital ratio | 19.0081% | 2,061 |
| Memoranda: | ||
| Average total assets | $122,373,500 | 4,588 |
| Average earning assets | $113,951,500 | 4,534 |
| Average equity | $13,004,000 | 4,575 |
| Average total loans | $57,160,500 | 5,488 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2228% | 4,404 |
| Cost of funding earning assets | 1.4604% | 7,667 |
| Net interest margin | 4.7624% | 848 |
| Noninterest income to average assets | 0.4014% | 5,457 |
| Noninterest expense to average assets | 2.5869% | 5,699 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5631% | 901 |
| Return on assets (ROA) | 1.5631% | 873 |
| Pretax return on assets | 2.2457% | 362 |
| Return on Equity (ROE) | 14.4214% | 1,025 |
| Retained earnings to average equity (ytd only) | 6.9170% | 1,182 |
| Net charge-offs to loans | 0.0155% | 6,671 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 282.2222% | 172 |
| Efficiency ratio | 53.4943% | 7,331 |
| Assets per employee ($millions) | 3.7281% | 4,110 |
| Cash dividends to net income (ytd only)* | 52.0362% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 1,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 48.6816% | 7,133 |
| Net loans and leases to deposits | 54.8774% | 7,388 |
| Net loans and leases to core deposits | 88.2073% | 5,955 |
| Total domestic deposits to total assets | 88.7097% | 1,149 |
| Equity capital to assets | 10.8002% | 3,206 |
| Core capital (leverage) ratio | 11.6518% | 2,156 |
| Tier 1 risk-based capital ratio | 16.6878% | 2,422 |
| Total risk-based capital ratio | 17.9420% | 2,354 |
| Memoranda: | ||
| Average total assets | $113,106,400 | 4,693 |
| Average earning assets | $105,242,000 | 4,640 |
| Average equity | $12,259,600 | 4,764 |
| Average total loans | $58,192,400 | 5,354 |