Home > The Citizens State Bank of Finley > Performance and Condition Ratios
The Citizens State Bank of Finley, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8286% | 4,790 |
| Cost of funding earning assets | 0.1813% | 3,805 |
| Net interest margin | 1.6473% | 4,782 |
| Noninterest income to average assets | 0.1113% | 4,622 |
| Noninterest expense to average assets | 1.2775% | 4,764 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2759% | 4,554 |
| Return on assets (ROA) | 0.3261% | 4,509 |
| Pretax return on assets | 0.3571% | 4,540 |
| Return on Equity (ROE) | 2.1650% | 4,574 |
| Retained earnings to average equity (ytd only) | 2.1650% | 4,146 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6152% | 834 |
| Assets per employee ($millions) | 5.6806% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,866 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 869 |
| Noncurrent loans to loans | 1.5406% | 677 |
| Net loans and leases to total assets | 52.9450% | 3,087 |
| Net loans and leases to deposits | 63.8784% | 2,866 |
| Net loans and leases to core deposits | 64.8699% | 3,054 |
| Total domestic deposits to total assets | 82.8839% | 3,737 |
| Equity capital to assets | 16.0584% | 411 |
| Core capital (leverage) ratio | 15.5693% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4413% | 405 |
| Memoranda: | ||
| Average total assets | $137,770,750 | 3,643 |
| Average earning assets | $122,786,500 | 3,688 |
| Average equity | $20,753,500 | 3,188 |
| Average total loans | $72,585,250 | 3,658 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9445% | 4,914 |
| Cost of funding earning assets | 0.0859% | 4,660 |
| Net interest margin | 0.8586% | 4,914 |
| Noninterest income to average assets | 0.0521% | 4,835 |
| Noninterest expense to average assets | 0.6958% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1374% | 4,673 |
| Return on assets (ROA) | 0.1389% | 4,696 |
| Pretax return on assets | 0.1389% | 4,707 |
| Return on Equity (ROE) | 0.9424% | 4,708 |
| Retained earnings to average equity (ytd only) | 0.9424% | 4,354 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9444% | 675 |
| Assets per employee ($millions) | 5.4368% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 53.5208% | 3,191 |
| Net loans and leases to deposits | 63.8943% | 3,009 |
| Net loans and leases to core deposits | 64.6964% | 3,221 |
| Total domestic deposits to total assets | 83.7646% | 3,504 |
| Equity capital to assets | 15.2556% | 489 |
| Core capital (leverage) ratio | 14.9444% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2039% | 532 |
| Memoranda: | ||
| Average total assets | $138,249,667 | 3,651 |
| Average earning assets | $125,784,000 | 3,668 |
| Average equity | $20,373,667 | 3,217 |
| Average total loans | $72,719,667 | 3,673 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9090% | 1,813 |
| Cost of funding earning assets | 0.2934% | 3,064 |
| Net interest margin | 3.6155% | 1,541 |
| Noninterest income to average assets | 0.6643% | 1,982 |
| Noninterest expense to average assets | 3.0872% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8223% | 3,349 |
| Return on assets (ROA) | 0.8720% | 3,287 |
| Pretax return on assets | 0.8720% | 3,666 |
| Return on Equity (ROE) | 6.0269% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.0269% | 2,888 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8922% | 902 |
| Assets per employee ($millions) | 4.9806% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 727 |
| Loan loss allowance to noncurrent loans | 174.8000% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 1,764 |
| Noncurrent loans to loans | 1.0932% | 1,218 |
| Net loans and leases to total assets | 48.2529% | 3,787 |
| Net loans and leases to deposits | 56.7875% | 3,733 |
| Net loans and leases to core deposits | 57.5003% | 3,873 |
| Total domestic deposits to total assets | 84.9710% | 3,107 |
| Equity capital to assets | 14.1183% | 644 |
| Core capital (leverage) ratio | 14.2357% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,695,500 | 3,673 |
| Average earning assets | $122,692,500 | 3,711 |
| Average equity | $19,778,000 | 3,260 |
| Average total loans | $71,251,500 | 3,711 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 2,041 |
| Cost of funding earning assets | 0.5435% | 2,652 |
| Net interest margin | 3.6917% | 1,828 |
| Noninterest income to average assets | 1.0219% | 1,011 |
| Noninterest expense to average assets | 3.4059% | 788 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9865% | 2,343 |
| Return on assets (ROA) | 1.0075% | 2,410 |
| Pretax return on assets | 1.0075% | 3,021 |
| Return on Equity (ROE) | 6.9904% | 3,213 |
| Retained earnings to average equity (ytd only) | 5.9455% | 1,817 |
| Net charge-offs to loans | 0.0342% | 2,361 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 46.7857% | 1,265 |
| Efficiency ratio | 77.5416% | 1,075 |
| Assets per employee ($millions) | 4.6184% | 3,792 |
| Cash dividends to net income (ytd only)* | 14.9477% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7740% | 897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 54.1976% | 3,471 |
| Net loans and leases to deposits | 64.3833% | 3,405 |
| Net loans and leases to core deposits | 65.2327% | 3,607 |
| Total domestic deposits to total assets | 84.1795% | 3,057 |
| Equity capital to assets | 14.8334% | 599 |
| Core capital (leverage) ratio | 14.4129% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,797,800 | 3,593 |
| Average earning assets | $121,243,600 | 3,611 |
| Average equity | $19,140,600 | 3,264 |
| Average total loans | $81,817,000 | 3,521 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 1,799 |
| Cost of funding earning assets | 0.5963% | 2,635 |
| Net interest margin | 3.8242% | 1,557 |
| Noninterest income to average assets | 0.9981% | 1,028 |
| Noninterest expense to average assets | 3.3535% | 843 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1551% | 1,804 |
| Return on assets (ROA) | 1.1812% | 1,822 |
| Pretax return on assets | 1.1812% | 2,450 |
| Return on Equity (ROE) | 8.2562% | 2,708 |
| Retained earnings to average equity (ytd only) | 6.8497% | 1,761 |
| Net charge-offs to loans | 0.0446% | 1,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,340 |
| Efficiency ratio | 74.3807% | 1,374 |
| Assets per employee ($millions) | 4.7244% | 3,570 |
| Cash dividends to net income (ytd only)* | 17.0358% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 1,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 58.2197% | 3,394 |
| Net loans and leases to deposits | 75.5694% | 2,794 |
| Net loans and leases to core deposits | 77.9282% | 3,015 |
| Total domestic deposits to total assets | 77.0413% | 4,320 |
| Equity capital to assets | 14.4051% | 758 |
| Core capital (leverage) ratio | 14.0646% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,513,750 | 3,585 |
| Average earning assets | $121,644,250 | 3,597 |
| Average equity | $18,959,000 | 3,285 |
| Average total loans | $83,796,250 | 3,520 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 1,451 |
| Cost of funding earning assets | 0.6722% | 2,541 |
| Net interest margin | 4.0069% | 1,300 |
| Noninterest income to average assets | 0.6198% | 2,061 |
| Noninterest expense to average assets | 3.3141% | 973 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9907% | 2,360 |
| Return on assets (ROA) | 1.0243% | 2,369 |
| Pretax return on assets | 1.0243% | 2,951 |
| Return on Equity (ROE) | 7.1765% | 3,063 |
| Retained earnings to average equity (ytd only) | 5.0374% | 2,458 |
| Net charge-offs to loans | 0.0661% | 1,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 23.1786% | 1,606 |
| Efficiency ratio | 76.9858% | 1,158 |
| Assets per employee ($millions) | 4.6947% | 3,533 |
| Cash dividends to net income (ytd only)* | 29.8063% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 64.0212% | 2,876 |
| Net loans and leases to deposits | 82.8341% | 2,108 |
| Net loans and leases to core deposits | 86.0368% | 2,432 |
| Total domestic deposits to total assets | 77.2885% | 4,285 |
| Equity capital to assets | 14.1972% | 812 |
| Core capital (leverage) ratio | 13.7006% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,016,000 | 3,586 |
| Average earning assets | $120,492,333 | 3,595 |
| Average equity | $18,700,000 | 3,301 |
| Average total loans | $84,703,000 | 3,508 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6216% | 1,942 |
| Cost of funding earning assets | 0.7799% | 2,499 |
| Net interest margin | 3.8417% | 1,841 |
| Noninterest income to average assets | 0.6477% | 1,838 |
| Noninterest expense to average assets | 3.3725% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7879% | 2,944 |
| Return on assets (ROA) | 0.7879% | 3,033 |
| Pretax return on assets | 0.7879% | 3,442 |
| Return on Equity (ROE) | 5.5043% | 3,471 |
| Retained earnings to average equity (ytd only) | 5.5043% | 2,063 |
| Net charge-offs to loans | 0.1207% | 984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 10.1200% | 1,780 |
| Efficiency ratio | 81.0629% | 1,035 |
| Assets per employee ($millions) | 4.5235% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 1,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 64.6605% | 2,987 |
| Net loans and leases to deposits | 78.1259% | 2,871 |
| Net loans and leases to core deposits | 82.8473% | 2,950 |
| Total domestic deposits to total assets | 82.7645% | 3,189 |
| Equity capital to assets | 14.5101% | 894 |
| Core capital (leverage) ratio | 14.2047% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,450,500 | 3,602 |
| Average earning assets | $117,447,500 | 3,611 |
| Average equity | $18,385,500 | 3,336 |
| Average total loans | $82,817,500 | 3,538 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9350% | 1,649 |
| Cost of funding earning assets | 0.9151% | 2,133 |
| Net interest margin | 4.0198% | 1,788 |
| Noninterest income to average assets | 1.3949% | 489 |
| Noninterest expense to average assets | 3.2649% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7912% | 531 |
| Return on assets (ROA) | 1.7631% | 610 |
| Pretax return on assets | 1.7631% | 1,038 |
| Return on Equity (ROE) | 13.4639% | 1,027 |
| Retained earnings to average equity (ytd only) | 9.4138% | 612 |
| Net charge-offs to loans | 0.0561% | 2,299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 50.2979% | 1,125 |
| Efficiency ratio | 64.5437% | 2,996 |
| Assets per employee ($millions) | 4.4912% | 3,233 |
| Cash dividends to net income (ytd only)* | 30.0817% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 929 |
| Loan loss allowance to noncurrent loans | 369.8895% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 3,314 |
| Noncurrent loans to loans | 0.4392% | 2,875 |
| Net loans and leases to total assets | 62.2562% | 3,370 |
| Net loans and leases to deposits | 79.5817% | 2,822 |
| Net loans and leases to core deposits | 86.5285% | 2,753 |
| Total domestic deposits to total assets | 78.2293% | 4,321 |
| Equity capital to assets | 14.1220% | 1,049 |
| Core capital (leverage) ratio | 13.5339% | 1,043 |
| Tier 1 risk-based capital ratio | 18.0331% | 1,750 |
| Total risk-based capital ratio | 19.2980% | 1,705 |
| Memoranda: | ||
| Average total assets | $131,980,800 | 3,540 |
| Average earning assets | $120,203,800 | 3,557 |
| Average equity | $17,283,200 | 3,408 |
| Average total loans | $83,761,800 | 3,531 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9430% | 1,698 |
| Cost of funding earning assets | 0.9177% | 2,145 |
| Net interest margin | 4.0253% | 1,847 |
| Noninterest income to average assets | 1.4248% | 449 |
| Noninterest expense to average assets | 3.1607% | 1,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9343% | 456 |
| Return on assets (ROA) | 1.9343% | 472 |
| Pretax return on assets | 1.9343% | 798 |
| Return on Equity (ROE) | 15.0612% | 764 |
| Retained earnings to average equity (ytd only) | 11.5330% | 446 |
| Net charge-offs to loans | 0.0111% | 2,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 274.5198% | 336 |
| Efficiency ratio | 61.9960% | 3,326 |
| Assets per employee ($millions) | 4.5747% | 3,087 |
| Cash dividends to net income (ytd only)* | 23.4255% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 983 |
| Loan loss allowance to noncurrent loans | 273.6111% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 2,984 |
| Noncurrent loans to loans | 0.5878% | 2,525 |
| Net loans and leases to total assets | 63.5966% | 3,327 |
| Net loans and leases to deposits | 85.7202% | 2,228 |
| Net loans and leases to core deposits | 93.9261% | 2,186 |
| Total domestic deposits to total assets | 74.1908% | 4,806 |
| Equity capital to assets | 13.8069% | 1,226 |
| Core capital (leverage) ratio | 13.4422% | 1,152 |
| Tier 1 risk-based capital ratio | 17.5600% | 1,929 |
| Total risk-based capital ratio | 18.8243% | 1,890 |
| Memoranda: | ||
| Average total assets | $132,415,000 | 3,568 |
| Average earning assets | $120,732,750 | 3,596 |
| Average equity | $17,005,750 | 3,456 |
| Average total loans | $84,096,250 | 3,561 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8953% | 1,767 |
| Cost of funding earning assets | 0.8565% | 2,372 |
| Net interest margin | 4.0388% | 1,800 |
| Noninterest income to average assets | 0.6982% | 1,718 |
| Noninterest expense to average assets | 3.1285% | 1,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2544% | 1,939 |
| Return on assets (ROA) | 1.2544% | 1,997 |
| Pretax return on assets | 1.2544% | 2,726 |
| Return on Equity (ROE) | 10.0189% | 2,377 |
| Retained earnings to average equity (ytd only) | 4.5870% | 2,983 |
| Net charge-offs to loans | 0.0168% | 2,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 118.5714% | 611 |
| Efficiency ratio | 71.3103% | 2,014 |
| Assets per employee ($millions) | 4.5827% | 3,021 |
| Cash dividends to net income (ytd only)* | 54.2169% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 998 |
| Loan loss allowance to noncurrent loans | 9,193.3333% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,743 |
| Noncurrent loans to loans | 0.0176% | 4,636 |
| Net loans and leases to total assets | 63.1826% | 3,431 |
| Net loans and leases to deposits | 87.2523% | 2,092 |
| Net loans and leases to core deposits | 92.9519% | 2,332 |
| Total domestic deposits to total assets | 72.4136% | 4,950 |
| Equity capital to assets | 12.7917% | 1,691 |
| Core capital (leverage) ratio | 13.0819% | 1,258 |
| Tier 1 risk-based capital ratio | 16.6870% | 2,180 |
| Total risk-based capital ratio | 17.9491% | 2,120 |
| Memoranda: | ||
| Average total assets | $132,331,330 | 3,595 |
| Average earning assets | $120,728,000 | 3,615 |
| Average equity | $16,568,670 | 3,509 |
| Average total loans | $83,545,000 | 3,590 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9501% | 1,477 |
| Cost of funding earning assets | 0.8683% | 2,168 |
| Net interest margin | 4.0818% | 1,603 |
| Noninterest income to average assets | 0.7452% | 1,441 |
| Noninterest expense to average assets | 3.2110% | 1,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2511% | 1,885 |
| Return on assets (ROA) | 1.2511% | 1,932 |
| Pretax return on assets | 1.2511% | 2,624 |
| Return on Equity (ROE) | 10.1021% | 2,327 |
| Retained earnings to average equity (ytd only) | 6.4331% | 2,266 |
| Net charge-offs to loans | 0.0242% | 1,963 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 82.6000% | 754 |
| Efficiency ratio | 71.8262% | 2,059 |
| Assets per employee ($millions) | 4.4088% | 3,317 |
| Cash dividends to net income (ytd only)* | 36.3196% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 786 |
| Loan loss allowance to noncurrent loans | 7,268.4211% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 4,792 |
| Noncurrent loans to loans | 0.0240% | 4,675 |
| Net loans and leases to total assets | 60.8624% | 3,616 |
| Net loans and leases to deposits | 75.7044% | 3,290 |
| Net loans and leases to core deposits | 80.8031% | 3,294 |
| Total domestic deposits to total assets | 80.3948% | 4,095 |
| Equity capital to assets | 13.0258% | 1,438 |
| Core capital (leverage) ratio | 12.5325% | 1,493 |
| Tier 1 risk-based capital ratio | 17.4724% | 1,947 |
| Total risk-based capital ratio | 18.7367% | 1,893 |
| Memoranda: | ||
| Average total assets | $132,047,500 | 3,633 |
| Average earning assets | $120,240,500 | 3,654 |
| Average equity | $16,353,000 | 3,549 |
| Average total loans | $82,643,500 | 3,638 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 1,943 |
| Cost of funding earning assets | 0.6753% | 2,241 |
| Net interest margin | 3.9892% | 2,021 |
| Noninterest income to average assets | 1.0198% | 908 |
| Noninterest expense to average assets | 3.4081% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2571% | 1,953 |
| Return on assets (ROA) | 1.2571% | 1,948 |
| Pretax return on assets | 1.2571% | 2,671 |
| Return on Equity (ROE) | 10.8068% | 2,161 |
| Retained earnings to average equity (ytd only) | 7.0363% | 1,655 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6782% | 1,815 |
| Assets per employee ($millions) | 4.5414% | 3,103 |
| Cash dividends to net income (ytd only)* | 34.8908% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 1,013 |
| Loan loss allowance to noncurrent loans | 7,294.7368% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 4,827 |
| Noncurrent loans to loans | 0.0221% | 4,685 |
| Net loans and leases to total assets | 62.1729% | 3,546 |
| Net loans and leases to deposits | 82.4604% | 2,679 |
| Net loans and leases to core deposits | 88.8843% | 2,666 |
| Total domestic deposits to total assets | 75.3973% | 4,830 |
| Equity capital to assets | 11.7821% | 2,045 |
| Core capital (leverage) ratio | 11.8842% | 1,813 |
| Tier 1 risk-based capital ratio | 15.7243% | 2,521 |
| Total risk-based capital ratio | 16.9839% | 2,442 |
| Memoranda: | ||
| Average total assets | $131,098,600 | 3,636 |
| Average earning assets | $119,798,800 | 3,648 |
| Average equity | $15,249,600 | 3,607 |
| Average total loans | $82,286,800 | 3,616 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5113% | 2,263 |
| Cost of funding earning assets | 0.5681% | 2,720 |
| Net interest margin | 3.9432% | 2,151 |
| Noninterest income to average assets | 0.8237% | 1,400 |
| Noninterest expense to average assets | 3.3278% | 1,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1031% | 2,651 |
| Return on assets (ROA) | 1.1031% | 2,665 |
| Pretax return on assets | 1.1031% | 3,388 |
| Return on Equity (ROE) | 9.5153% | 2,838 |
| Retained earnings to average equity (ytd only) | 4.4210% | 3,543 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7102% | 1,492 |
| Assets per employee ($millions) | 4.4959% | 3,135 |
| Cash dividends to net income (ytd only)* | 53.5385% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 1,056 |
| Loan loss allowance to noncurrent loans | 7,294.7368% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,933 |
| Noncurrent loans to loans | 0.0221% | 4,807 |
| Net loans and leases to total assets | 62.7710% | 3,569 |
| Net loans and leases to deposits | 93.0680% | 1,500 |
| Net loans and leases to core deposits | 95.9180% | 2,121 |
| Total domestic deposits to total assets | 67.4464% | 5,295 |
| Equity capital to assets | 11.2318% | 2,447 |
| Core capital (leverage) ratio | 11.6557% | 2,043 |
| Tier 1 risk-based capital ratio | 15.5457% | 2,628 |
| Total risk-based capital ratio | 16.8091% | 2,558 |
| Memoranda: | ||
| Average total assets | $129,813,000 | 3,682 |
| Average earning assets | $118,751,250 | 3,706 |
| Average equity | $15,049,000 | 3,657 |
| Average total loans | $81,335,750 | 3,667 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 2,546 |
| Cost of funding earning assets | 0.4560% | 3,314 |
| Net interest margin | 3.9032% | 2,192 |
| Noninterest income to average assets | 0.6650% | 2,029 |
| Noninterest expense to average assets | 3.3655% | 1,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8539% | 3,658 |
| Return on assets (ROA) | 0.8539% | 3,660 |
| Pretax return on assets | 0.8539% | 4,101 |
| Return on Equity (ROE) | 7.2857% | 3,799 |
| Retained earnings to average equity (ytd only) | -0.3729% | 5,009 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3193% | 1,083 |
| Assets per employee ($millions) | 4.3932% | 3,289 |
| Cash dividends to net income (ytd only)* | 105.1188% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 931 |
| Loan loss allowance to noncurrent loans | 112.1359% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 1,607 |
| Noncurrent loans to loans | 1.5008% | 1,115 |
| Net loans and leases to total assets | 61.4359% | 3,662 |
| Net loans and leases to deposits | 84.7419% | 2,452 |
| Net loans and leases to core deposits | 87.6526% | 2,753 |
| Total domestic deposits to total assets | 72.4976% | 5,145 |
| Equity capital to assets | 11.2530% | 2,403 |
| Core capital (leverage) ratio | 12.0969% | 1,653 |
| Tier 1 risk-based capital ratio | 15.5672% | 2,608 |
| Total risk-based capital ratio | 16.8337% | 2,542 |
| Memoranda: | ||
| Average total assets | $128,125,330 | 3,733 |
| Average earning assets | $116,673,330 | 3,763 |
| Average equity | $15,015,670 | 3,683 |
| Average total loans | $79,764,670 | 3,717 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 2,326 |
| Cost of funding earning assets | 0.4178% | 3,463 |
| Net interest margin | 3.9413% | 1,894 |
| Noninterest income to average assets | 0.7126% | 1,777 |
| Noninterest expense to average assets | 3.4270% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8710% | 3,412 |
| Return on assets (ROA) | 0.8710% | 3,429 |
| Pretax return on assets | 0.8710% | 3,944 |
| Return on Equity (ROE) | 7.2809% | 3,673 |
| Retained earnings to average equity (ytd only) | 3.3095% | 3,883 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2926% | 1,224 |
| Assets per employee ($millions) | 4.1674% | 3,702 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 665 |
| Loan loss allowance to noncurrent loans | 105.7208% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.0848% | 1,435 |
| Noncurrent loans to loans | 1.7902% | 939 |
| Net loans and leases to total assets | 59.4494% | 3,801 |
| Net loans and leases to deposits | 71.1864% | 3,683 |
| Net loans and leases to core deposits | 73.1237% | 3,875 |
| Total domestic deposits to total assets | 83.5123% | 3,498 |
| Equity capital to assets | 12.4415% | 1,512 |
| Core capital (leverage) ratio | 12.5557% | 1,366 |
| Tier 1 risk-based capital ratio | 17.2622% | 2,046 |
| Total risk-based capital ratio | 18.5326% | 1,991 |
| Memoranda: | ||
| Average total assets | $126,290,000 | 3,788 |
| Average earning assets | $114,887,000 | 3,834 |
| Average equity | $15,108,000 | 3,694 |
| Average total loans | $78,469,000 | 3,769 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 1,600 |
| Cost of funding earning assets | 0.4882% | 2,438 |
| Net interest margin | 4.0467% | 1,598 |
| Noninterest income to average assets | 1.0177% | 981 |
| Noninterest expense to average assets | 3.2469% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4416% | 923 |
| Return on assets (ROA) | 1.4356% | 952 |
| Pretax return on assets | 1.4356% | 1,869 |
| Return on Equity (ROE) | 13.0970% | 935 |
| Retained earnings to average equity (ytd only) | 7.0750% | 1,047 |
| Net charge-offs to loans | 0.0023% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 955.5000% | 89 |
| Efficiency ratio | 68.8656% | 2,728 |
| Assets per employee ($millions) | 4.3909% | 3,356 |
| Cash dividends to net income (ytd only)* | 45.9800% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 1,021 |
| Loan loss allowance to noncurrent loans | 98.2979% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.0704% | 1,425 |
| Noncurrent loans to loans | 1.6845% | 975 |
| Net loans and leases to total assets | 62.4926% | 3,554 |
| Net loans and leases to deposits | 84.4956% | 2,441 |
| Net loans and leases to core deposits | 86.8986% | 2,835 |
| Total domestic deposits to total assets | 73.9596% | 5,184 |
| Equity capital to assets | 11.5239% | 2,187 |
| Core capital (leverage) ratio | 11.4489% | 1,974 |
| Tier 1 risk-based capital ratio | 15.3986% | 2,661 |
| Total risk-based capital ratio | 16.6638% | 2,595 |
| Memoranda: | ||
| Average total assets | $132,559,200 | 3,705 |
| Average earning assets | $120,245,200 | 3,743 |
| Average equity | $14,530,000 | 3,773 |
| Average total loans | $86,160,800 | 3,611 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4291% | 1,860 |
| Cost of funding earning assets | 0.4731% | 2,490 |
| Net interest margin | 3.9560% | 1,842 |
| Noninterest income to average assets | 0.7733% | 1,690 |
| Noninterest expense to average assets | 3.1724% | 1,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1950% | 1,715 |
| Return on assets (ROA) | 1.1870% | 1,786 |
| Pretax return on assets | 1.1870% | 2,956 |
| Return on Equity (ROE) | 10.9689% | 1,714 |
| Retained earnings to average equity (ytd only) | 4.2410% | 3,379 |
| Net charge-offs to loans | 0.0031% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 594.2434% | 173 |
| Efficiency ratio | 72.2235% | 2,172 |
| Assets per employee ($millions) | 4.6868% | 2,854 |
| Cash dividends to net income (ytd only)* | 61.3366% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 1,240 |
| Loan loss allowance to noncurrent loans | 29.9676% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 3.4028% | 241 |
| Noncurrent loans to loans | 5.3406% | 139 |
| Net loans and leases to total assets | 62.6964% | 3,581 |
| Net loans and leases to deposits | 89.5069% | 1,872 |
| Net loans and leases to core deposits | 93.1108% | 2,338 |
| Total domestic deposits to total assets | 70.0464% | 5,478 |
| Equity capital to assets | 10.8397% | 3,024 |
| Core capital (leverage) ratio | 10.8863% | 2,564 |
| Tier 1 risk-based capital ratio | 14.2799% | 3,313 |
| Total risk-based capital ratio | 15.5422% | 3,206 |
| Memoranda: | ||
| Average total assets | $132,767,500 | 3,742 |
| Average earning assets | $120,622,750 | 3,776 |
| Average equity | $14,367,500 | 3,840 |
| Average total loans | $86,774,750 | 3,621 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 1,996 |
| Cost of funding earning assets | 0.4365% | 2,738 |
| Net interest margin | 3.9049% | 1,910 |
| Noninterest income to average assets | 0.6058% | 2,431 |
| Noninterest expense to average assets | 3.2084% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9566% | 2,626 |
| Return on assets (ROA) | 0.9444% | 2,752 |
| Pretax return on assets | 0.9444% | 3,781 |
| Return on Equity (ROE) | 8.7325% | 2,645 |
| Retained earnings to average equity (ytd only) | 1.3618% | 4,708 |
| Net charge-offs to loans | 0.0046% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 315.0000% | 269 |
| Efficiency ratio | 76.5585% | 1,637 |
| Assets per employee ($millions) | 4.4240% | 3,228 |
| Cash dividends to net income (ytd only)* | 84.4051% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,363 |
| Loan loss allowance to noncurrent loans | 65.8745% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.5853% | 938 |
| Noncurrent loans to loans | 2.3673% | 660 |
| Net loans and leases to total assets | 65.9215% | 3,117 |
| Net loans and leases to deposits | 87.8918% | 2,000 |
| Net loans and leases to core deposits | 90.9441% | 2,440 |
| Total domestic deposits to total assets | 75.0030% | 5,200 |
| Equity capital to assets | 10.8439% | 2,975 |
| Core capital (leverage) ratio | 10.9741% | 2,439 |
| Tier 1 risk-based capital ratio | 13.9090% | 3,470 |
| Total risk-based capital ratio | 15.1701% | 3,385 |
| Memoranda: | ||
| Average total assets | $131,717,670 | 3,781 |
| Average earning assets | $120,053,670 | 3,809 |
| Average equity | $14,245,670 | 3,863 |
| Average total loans | $86,832,670 | 3,635 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 1,900 |
| Cost of funding earning assets | 0.3950% | 3,041 |
| Net interest margin | 3.9262% | 1,687 |
| Noninterest income to average assets | 0.6219% | 2,310 |
| Noninterest expense to average assets | 3.2283% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9389% | 2,565 |
| Return on assets (ROA) | 0.9145% | 2,742 |
| Pretax return on assets | 0.9145% | 3,711 |
| Return on Equity (ROE) | 8.4671% | 2,688 |
| Retained earnings to average equity (ytd only) | 8.4671% | 1,287 |
| Net charge-offs to loans | 0.0093% | 2,647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 353 |
| Efficiency ratio | 76.9568% | 1,764 |
| Assets per employee ($millions) | 4.2727% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 1,262 |
| Loan loss allowance to noncurrent loans | 27.0386% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 3.9991% | 187 |
| Noncurrent loans to loans | 6.0825% | 111 |
| Net loans and leases to total assets | 64.6661% | 3,172 |
| Net loans and leases to deposits | 84.0199% | 2,285 |
| Net loans and leases to core deposits | 86.4914% | 2,675 |
| Total domestic deposits to total assets | 76.9652% | 5,116 |
| Equity capital to assets | 11.2194% | 2,414 |
| Core capital (leverage) ratio | 11.1942% | 2,191 |
| Tier 1 risk-based capital ratio | 14.3075% | 3,312 |
| Total risk-based capital ratio | 15.5672% | 3,226 |
| Memoranda: | ||
| Average total assets | $131,216,500 | 3,824 |
| Average earning assets | $118,487,000 | 3,859 |
| Average equity | $14,172,500 | 3,893 |
| Average total loans | $85,810,500 | 3,693 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 2,353 |
| Cost of funding earning assets | 0.4277% | 2,729 |
| Net interest margin | 3.8114% | 2,274 |
| Noninterest income to average assets | 1.0022% | 1,137 |
| Noninterest expense to average assets | 3.1992% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2815% | 1,263 |
| Return on assets (ROA) | 1.2903% | 1,309 |
| Pretax return on assets | 1.2903% | 2,313 |
| Return on Equity (ROE) | 12.7231% | 1,065 |
| Retained earnings to average equity (ytd only) | 6.3323% | 1,538 |
| Net charge-offs to loans | 0.0101% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 192.2222% | 350 |
| Efficiency ratio | 71.0200% | 2,744 |
| Assets per employee ($millions) | 4.3307% | 3,392 |
| Cash dividends to net income (ytd only)* | 50.2296% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 1,399 |
| Loan loss allowance to noncurrent loans | 61.7988% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.6730% | 929 |
| Noncurrent loans to loans | 2.5714% | 602 |
| Net loans and leases to total assets | 64.0269% | 3,354 |
| Net loans and leases to deposits | 90.3889% | 1,636 |
| Net loans and leases to core deposits | 93.6535% | 2,138 |
| Total domestic deposits to total assets | 70.8349% | 5,620 |
| Equity capital to assets | 10.4013% | 3,270 |
| Core capital (leverage) ratio | 10.6110% | 2,764 |
| Tier 1 risk-based capital ratio | 13.7290% | 3,625 |
| Total risk-based capital ratio | 14.9886% | 3,520 |
| Memoranda: | ||
| Average total assets | $135,002,600 | 3,757 |
| Average earning assets | $123,209,600 | 3,767 |
| Average equity | $13,691,600 | 3,992 |
| Average total loans | $88,688,400 | 3,603 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 2,420 |
| Cost of funding earning assets | 0.4269% | 2,764 |
| Net interest margin | 3.8022% | 2,321 |
| Noninterest income to average assets | 0.7190% | 2,086 |
| Noninterest expense to average assets | 3.0603% | 2,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1460% | 1,824 |
| Return on assets (ROA) | 1.1578% | 1,878 |
| Pretax return on assets | 1.1578% | 3,010 |
| Return on Equity (ROE) | 11.4896% | 1,495 |
| Retained earnings to average equity (ytd only) | 4.6389% | 3,065 |
| Net charge-offs to loans | 0.0105% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 166.0547% | 433 |
| Efficiency ratio | 72.3564% | 2,524 |
| Assets per employee ($millions) | 4.4107% | 3,227 |
| Cash dividends to net income (ytd only)* | 59.6254% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 1,704 |
| Loan loss allowance to noncurrent loans | 60.0173% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 1.6938% | 1,004 |
| Noncurrent loans to loans | 2.5277% | 692 |
| Net loans and leases to total assets | 65.9943% | 3,121 |
| Net loans and leases to deposits | 98.8314% | 789 |
| Net loans and leases to core deposits | 106.4606% | 1,154 |
| Total domestic deposits to total assets | 66.7747% | 5,799 |
| Equity capital to assets | 10.1819% | 3,936 |
| Core capital (leverage) ratio | 9.9990% | 3,570 |
| Tier 1 risk-based capital ratio | 12.8423% | 4,256 |
| Total risk-based capital ratio | 14.0994% | 4,165 |
| Memoranda: | ||
| Average total assets | $135,190,000 | 3,767 |
| Average earning assets | $123,994,750 | 3,777 |
| Average equity | $13,623,500 | 4,037 |
| Average total loans | $89,024,000 | 3,618 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 2,847 |
| Cost of funding earning assets | 0.4070% | 2,966 |
| Net interest margin | 3.6952% | 2,714 |
| Noninterest income to average assets | 0.6505% | 2,365 |
| Noninterest expense to average assets | 3.0711% | 2,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9772% | 2,485 |
| Return on assets (ROA) | 0.9876% | 2,584 |
| Pretax return on assets | 0.9876% | 3,630 |
| Return on Equity (ROE) | 9.8344% | 2,122 |
| Retained earnings to average equity (ytd only) | 2.0704% | 4,530 |
| Net charge-offs to loans | 0.0023% | 3,630 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 658.0000% | 89 |
| Efficiency ratio | 75.4219% | 2,162 |
| Assets per employee ($millions) | 4.6229% | 2,836 |
| Cash dividends to net income (ytd only)* | 78.9474% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 1,864 |
| Loan loss allowance to noncurrent loans | 58.5570% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 1.7190% | 1,037 |
| Noncurrent loans to loans | 2.5620% | 669 |
| Net loans and leases to total assets | 66.0872% | 3,067 |
| Net loans and leases to deposits | 95.0108% | 1,187 |
| Net loans and leases to core deposits | 103.6411% | 1,346 |
| Total domestic deposits to total assets | 69.5576% | 5,798 |
| Equity capital to assets | 9.8199% | 4,423 |
| Core capital (leverage) ratio | 9.9087% | 3,672 |
| Tier 1 risk-based capital ratio | 12.4990% | 4,525 |
| Total risk-based capital ratio | 13.7533% | 4,432 |
| Memoranda: | ||
| Average total assets | $134,675,670 | 3,801 |
| Average earning assets | $123,834,670 | 3,806 |
| Average equity | $13,524,000 | 4,074 |
| Average total loans | $88,156,670 | 3,646 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 3,051 |
| Cost of funding earning assets | 0.4134% | 2,915 |
| Net interest margin | 3.6321% | 2,955 |
| Noninterest income to average assets | 0.6543% | 2,242 |
| Noninterest expense to average assets | 3.1175% | 2,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8744% | 2,878 |
| Return on assets (ROA) | 0.8864% | 2,947 |
| Pretax return on assets | 0.8864% | 3,899 |
| Return on Equity (ROE) | 8.7263% | 2,548 |
| Retained earnings to average equity (ytd only) | 8.7263% | 1,191 |
| Net charge-offs to loans | 0.0047% | 2,959 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 290.0000% | 207 |
| Efficiency ratio | 77.6435% | 1,950 |
| Assets per employee ($millions) | 4.6746% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 1,497 |
| Loan loss allowance to noncurrent loans | 57.0494% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.8695% | 974 |
| Noncurrent loans to loans | 2.8796% | 587 |
| Net loans and leases to total assets | 63.8559% | 3,259 |
| Net loans and leases to deposits | 88.5448% | 1,761 |
| Net loans and leases to core deposits | 93.4273% | 2,056 |
| Total domestic deposits to total assets | 72.1170% | 5,764 |
| Equity capital to assets | 10.4362% | 3,573 |
| Core capital (leverage) ratio | 10.2691% | 3,238 |
| Tier 1 risk-based capital ratio | 13.4847% | 3,986 |
| Total risk-based capital ratio | 14.7418% | 3,910 |
| Memoranda: | ||
| Average total assets | $132,669,500 | 3,868 |
| Average earning assets | $121,912,000 | 3,876 |
| Average equity | $13,476,500 | 4,086 |
| Average total loans | $85,709,500 | 3,704 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0899% | 2,961 |
| Cost of funding earning assets | 0.3535% | 3,667 |
| Net interest margin | 3.7364% | 2,617 |
| Noninterest income to average assets | 1.0458% | 1,083 |
| Noninterest expense to average assets | 3.3064% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1414% | 1,764 |
| Return on assets (ROA) | 1.1505% | 1,801 |
| Pretax return on assets | 1.1505% | 2,838 |
| Return on Equity (ROE) | 11.9301% | 1,317 |
| Retained earnings to average equity (ytd only) | 8.7593% | 714 |
| Net charge-offs to loans | 0.0059% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 298.6000% | 240 |
| Efficiency ratio | 73.9257% | 2,594 |
| Assets per employee ($millions) | 4.4816% | 3,076 |
| Cash dividends to net income (ytd only)* | 26.5781% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 1,559 |
| Loan loss allowance to noncurrent loans | 71.8252% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.4466% | 1,428 |
| Noncurrent loans to loans | 2.2501% | 869 |
| Net loans and leases to total assets | 63.2545% | 3,380 |
| Net loans and leases to deposits | 80.9220% | 2,718 |
| Net loans and leases to core deposits | 88.4246% | 2,564 |
| Total domestic deposits to total assets | 78.1672% | 5,134 |
| Equity capital to assets | 9.8870% | 4,090 |
| Core capital (leverage) ratio | 9.7782% | 3,805 |
| Tier 1 risk-based capital ratio | 13.0153% | 4,299 |
| Total risk-based capital ratio | 14.2659% | 4,213 |
| Memoranda: | ||
| Average total assets | $130,807,400 | 3,874 |
| Average earning assets | $119,099,200 | 3,901 |
| Average equity | $12,615,200 | 4,204 |
| Average total loans | $84,079,800 | 3,723 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,143 |
| Cost of funding earning assets | 0.3467% | 3,790 |
| Net interest margin | 3.6993% | 2,773 |
| Noninterest income to average assets | 0.9474% | 1,326 |
| Noninterest expense to average assets | 3.2815% | 1,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0285% | 2,338 |
| Return on assets (ROA) | 1.0408% | 2,363 |
| Pretax return on assets | 1.0408% | 3,455 |
| Return on Equity (ROE) | 10.8629% | 1,760 |
| Retained earnings to average equity (ytd only) | 7.6490% | 1,394 |
| Net charge-offs to loans | 0.0032% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 500.3633% | 142 |
| Efficiency ratio | 75.7085% | 2,284 |
| Assets per employee ($millions) | 4.5359% | 2,947 |
| Cash dividends to net income (ytd only)* | 29.5857% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 1,746 |
| Loan loss allowance to noncurrent loans | 69.5134% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.4800% | 1,524 |
| Noncurrent loans to loans | 2.3184% | 917 |
| Net loans and leases to total assets | 62.8108% | 3,480 |
| Net loans and leases to deposits | 87.8364% | 1,925 |
| Net loans and leases to core deposits | 97.0787% | 1,779 |
| Total domestic deposits to total assets | 71.5088% | 5,901 |
| Equity capital to assets | 9.4821% | 4,774 |
| Core capital (leverage) ratio | 9.7526% | 3,963 |
| Tier 1 risk-based capital ratio | 12.4190% | 4,812 |
| Total risk-based capital ratio | 13.6692% | 4,721 |
| Memoranda: | ||
| Average total assets | $129,897,000 | 3,927 |
| Average earning assets | $118,075,000 | 3,959 |
| Average equity | $12,445,750 | 4,278 |
| Average total loans | $83,489,250 | 3,768 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 3,450 |
| Cost of funding earning assets | 0.3346% | 3,989 |
| Net interest margin | 3.6255% | 2,995 |
| Noninterest income to average assets | 0.7541% | 1,979 |
| Noninterest expense to average assets | 3.3590% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7009% | 3,889 |
| Return on assets (ROA) | 0.7197% | 3,914 |
| Pretax return on assets | 0.7197% | 4,601 |
| Return on Equity (ROE) | 7.4837% | 3,328 |
| Retained earnings to average equity (ytd only) | 4.2299% | 3,341 |
| Net charge-offs to loans | 0.0049% | 3,731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 311 |
| Efficiency ratio | 82.2351% | 1,459 |
| Assets per employee ($millions) | 4.4652% | 3,039 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 1,843 |
| Loan loss allowance to noncurrent loans | 67.2108% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.6086% | 1,498 |
| Noncurrent loans to loans | 2.4113% | 944 |
| Net loans and leases to total assets | 65.6300% | 3,017 |
| Net loans and leases to deposits | 90.5743% | 1,529 |
| Net loans and leases to core deposits | 96.0467% | 1,794 |
| Total domestic deposits to total assets | 72.4599% | 5,911 |
| Equity capital to assets | 9.5358% | 4,605 |
| Core capital (leverage) ratio | 9.8361% | 3,819 |
| Tier 1 risk-based capital ratio | 12.9958% | 4,526 |
| Total risk-based capital ratio | 14.2479% | 4,435 |
| Memoranda: | ||
| Average total assets | $127,837,000 | 3,997 |
| Average earning assets | $116,564,330 | 4,026 |
| Average equity | $12,293,330 | 4,326 |
| Average total loans | $82,362,000 | 3,815 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9072% | 3,573 |
| Cost of funding earning assets | 0.3294% | 4,102 |
| Net interest margin | 3.5779% | 3,090 |
| Noninterest income to average assets | 0.8125% | 1,666 |
| Noninterest expense to average assets | 3.4580% | 1,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6047% | 4,270 |
| Return on assets (ROA) | 0.6519% | 4,157 |
| Pretax return on assets | 0.6519% | 4,755 |
| Return on Equity (ROE) | 6.7504% | 3,633 |
| Retained earnings to average equity (ytd only) | 4.3046% | 3,430 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5736% | 1,309 |
| Assets per employee ($millions) | 4.1318% | 3,694 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 1,532 |
| Loan loss allowance to noncurrent loans | 65.1790% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.7539% | 1,406 |
| Noncurrent loans to loans | 2.7358% | 861 |
| Net loans and leases to total assets | 62.2997% | 3,319 |
| Net loans and leases to deposits | 77.7204% | 2,844 |
| Net loans and leases to core deposits | 79.2104% | 3,266 |
| Total domestic deposits to total assets | 80.1588% | 5,018 |
| Equity capital to assets | 9.9932% | 4,155 |
| Core capital (leverage) ratio | 9.8693% | 3,792 |
| Tier 1 risk-based capital ratio | 13.6844% | 4,233 |
| Total risk-based capital ratio | 14.9378% | 4,134 |
| Memoranda: | ||
| Average total assets | $127,010,000 | 4,043 |
| Average earning assets | $115,376,000 | 4,074 |
| Average equity | $12,266,000 | 4,368 |
| Average total loans | $80,350,500 | 3,876 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 3,829 |
| Cost of funding earning assets | 0.3745% | 3,987 |
| Net interest margin | 3.5976% | 3,420 |
| Noninterest income to average assets | 0.9830% | 1,251 |
| Noninterest expense to average assets | 3.1343% | 2,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1124% | 1,936 |
| Return on assets (ROA) | 1.1192% | 1,961 |
| Pretax return on assets | 1.1192% | 3,009 |
| Return on Equity (ROE) | 13.1273% | 1,110 |
| Retained earnings to average equity (ytd only) | 11.0681% | 371 |
| Net charge-offs to loans | -0.0221% | 5,720 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3963% | 2,947 |
| Assets per employee ($millions) | 4.3355% | 3,294 |
| Cash dividends to net income (ytd only)* | 15.6863% | 3,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7082% | 1,754 |
| Loan loss allowance to noncurrent loans | 63.1532% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.7245% | 1,542 |
| Noncurrent loans to loans | 2.7048% | 900 |
| Net loans and leases to total assets | 62.0254% | 3,496 |
| Net loans and leases to deposits | 78.8918% | 2,853 |
| Net loans and leases to core deposits | 84.5188% | 2,843 |
| Total domestic deposits to total assets | 78.6209% | 5,326 |
| Equity capital to assets | 9.3376% | 4,923 |
| Core capital (leverage) ratio | 9.1832% | 4,704 |
| Tier 1 risk-based capital ratio | 13.0965% | 4,659 |
| Total risk-based capital ratio | 14.3496% | 4,582 |
| Memoranda: | ||
| Average total assets | $132,151,600 | 3,939 |
| Average earning assets | $119,884,800 | 3,969 |
| Average equity | $11,266,600 | 4,506 |
| Average total loans | $81,298,400 | 3,840 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9294% | 4,055 |
| Cost of funding earning assets | 0.3679% | 4,145 |
| Net interest margin | 3.5615% | 3,587 |
| Noninterest income to average assets | 0.9296% | 1,421 |
| Noninterest expense to average assets | 3.0551% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1044% | 2,007 |
| Return on assets (ROA) | 1.1135% | 2,041 |
| Pretax return on assets | 1.1135% | 3,136 |
| Return on Equity (ROE) | 13.3729% | 1,122 |
| Retained earnings to average equity (ytd only) | 11.4780% | 458 |
| Net charge-offs to loans | -0.0296% | 5,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0370% | 2,988 |
| Assets per employee ($millions) | 4.3900% | 3,147 |
| Cash dividends to net income (ytd only)* | 14.1698% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 2,260 |
| Loan loss allowance to noncurrent loans | 61.2762% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.6813% | 1,803 |
| Noncurrent loans to loans | 2.6325% | 1,090 |
| Net loans and leases to total assets | 62.8361% | 3,368 |
| Net loans and leases to deposits | 87.3571% | 1,746 |
| Net loans and leases to core deposits | 96.9634% | 1,598 |
| Total domestic deposits to total assets | 71.9301% | 6,175 |
| Equity capital to assets | 8.6510% | 5,678 |
| Core capital (leverage) ratio | 8.6698% | 5,481 |
| Tier 1 risk-based capital ratio | 12.1218% | 5,410 |
| Total risk-based capital ratio | 13.3748% | 5,329 |
| Memoranda: | ||
| Average total assets | $132,673,000 | 3,959 |
| Average earning assets | $120,322,000 | 3,980 |
| Average equity | $11,047,000 | 4,587 |
| Average total loans | $81,104,000 | 3,874 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8659% | 4,279 |
| Cost of funding earning assets | 0.3642% | 4,266 |
| Net interest margin | 3.5017% | 3,784 |
| Noninterest income to average assets | 0.6721% | 2,418 |
| Noninterest expense to average assets | 2.9939% | 2,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8363% | 3,144 |
| Return on assets (ROA) | 0.8332% | 3,253 |
| Pretax return on assets | 0.8332% | 4,147 |
| Return on Equity (ROE) | 10.1435% | 2,085 |
| Retained earnings to average equity (ytd only) | 8.1629% | 1,266 |
| Net charge-offs to loans | -0.0480% | 5,858 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6896% | 2,340 |
| Assets per employee ($millions) | 4.2654% | 3,343 |
| Cash dividends to net income (ytd only)* | 19.5255% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 2,124 |
| Loan loss allowance to noncurrent loans | 59.5248% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 1.7826% | 1,817 |
| Noncurrent loans to loans | 2.8613% | 1,044 |
| Net loans and leases to total assets | 61.2376% | 3,532 |
| Net loans and leases to deposits | 78.9193% | 2,670 |
| Net loans and leases to core deposits | 87.6045% | 2,356 |
| Total domestic deposits to total assets | 77.5952% | 5,707 |
| Equity capital to assets | 8.5104% | 5,793 |
| Core capital (leverage) ratio | 8.5189% | 5,618 |
| Tier 1 risk-based capital ratio | 12.1352% | 5,462 |
| Total risk-based capital ratio | 13.3888% | 5,376 |
| Memoranda: | ||
| Average total assets | $131,534,330 | 4,005 |
| Average earning assets | $118,626,670 | 4,045 |
| Average equity | $10,805,000 | 4,652 |
| Average total loans | $79,167,000 | 3,931 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8261% | 4,378 |
| Cost of funding earning assets | 0.3631% | 4,407 |
| Net interest margin | 3.4630% | 3,850 |
| Noninterest income to average assets | 0.7287% | 2,040 |
| Noninterest expense to average assets | 3.0551% | 2,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7562% | 3,378 |
| Return on assets (ROA) | 0.7318% | 3,614 |
| Pretax return on assets | 0.7318% | 4,378 |
| Return on Equity (ROE) | 9.0729% | 2,428 |
| Retained earnings to average equity (ytd only) | 7.1827% | 1,943 |
| Net charge-offs to loans | -0.0464% | 5,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0400% | 2,331 |
| Assets per employee ($millions) | 4.5961% | 2,823 |
| Cash dividends to net income (ytd only)* | 20.8333% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 2,065 |
| Loan loss allowance to noncurrent loans | 57.7051% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 1.8111% | 1,933 |
| Noncurrent loans to loans | 3.1064% | 1,008 |
| Net loans and leases to total assets | 57.2572% | 3,959 |
| Net loans and leases to deposits | 70.4070% | 3,546 |
| Net loans and leases to core deposits | 77.3183% | 3,276 |
| Total domestic deposits to total assets | 81.3231% | 5,146 |
| Equity capital to assets | 8.0968% | 5,982 |
| Core capital (leverage) ratio | 8.2723% | 5,875 |
| Tier 1 risk-based capital ratio | 12.3676% | 5,397 |
| Total risk-based capital ratio | 13.6215% | 5,333 |
| Memoranda: | ||
| Average total assets | $131,188,500 | 4,048 |
| Average earning assets | $116,777,000 | 4,123 |
| Average equity | $10,581,000 | 4,708 |
| Average total loans | $77,563,000 | 4,012 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 4,937 |
| Cost of funding earning assets | 0.4020% | 4,631 |
| Net interest margin | 3.3604% | 4,435 |
| Noninterest income to average assets | 0.9320% | 1,576 |
| Noninterest expense to average assets | 3.0599% | 2,865 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8628% | 2,957 |
| Return on assets (ROA) | 0.8918% | 2,914 |
| Pretax return on assets | 0.9062% | 3,742 |
| Return on Equity (ROE) | 11.4600% | 1,609 |
| Retained earnings to average equity (ytd only) | 7.7082% | 1,149 |
| Net charge-offs to loans | 0.0508% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 30.4211% | 1,175 |
| Efficiency ratio | 77.7114% | 2,510 |
| Assets per employee ($millions) | 4.0340% | 3,792 |
| Cash dividends to net income (ytd only)* | 32.7381% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 2,102 |
| Loan loss allowance to noncurrent loans | 56.0778% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 1.9119% | 1,890 |
| Noncurrent loans to loans | 3.1880% | 1,063 |
| Net loans and leases to total assets | 58.8989% | 3,889 |
| Net loans and leases to deposits | 74.0749% | 3,243 |
| Net loans and leases to core deposits | 81.3490% | 2,968 |
| Total domestic deposits to total assets | 79.5126% | 5,545 |
| Equity capital to assets | 8.0332% | 5,995 |
| Core capital (leverage) ratio | 8.1769% | 5,994 |
| Tier 1 risk-based capital ratio | 12.6176% | 5,219 |
| Total risk-based capital ratio | 13.8719% | 5,164 |
| Memoranda: | ||
| Average total assets | $131,867,600 | 4,035 |
| Average earning assets | $117,903,800 | 4,090 |
| Average equity | $10,261,800 | 4,790 |
| Average total loans | $74,871,600 | 4,099 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 5,140 |
| Cost of funding earning assets | 0.4047% | 4,785 |
| Net interest margin | 3.3050% | 4,616 |
| Noninterest income to average assets | 0.7875% | 2,210 |
| Noninterest expense to average assets | 2.9500% | 3,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7793% | 3,465 |
| Return on assets (ROA) | 0.8177% | 3,385 |
| Pretax return on assets | 0.8338% | 4,175 |
| Return on Equity (ROE) | 10.5911% | 1,965 |
| Retained earnings to average equity (ytd only) | 6.2921% | 2,239 |
| Net charge-offs to loans | 0.0844% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 16.8072% | 1,776 |
| Efficiency ratio | 78.7537% | 2,302 |
| Assets per employee ($millions) | 3.9410% | 3,960 |
| Cash dividends to net income (ytd only)* | 40.5906% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 2,773 |
| Loan loss allowance to noncurrent loans | 54.4986% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 1.9400% | 2,093 |
| Noncurrent loans to loans | 3.0406% | 1,315 |
| Net loans and leases to total assets | 62.7439% | 3,210 |
| Net loans and leases to deposits | 86.6750% | 1,529 |
| Net loans and leases to core deposits | 98.6079% | 1,193 |
| Total domestic deposits to total assets | 72.3899% | 6,466 |
| Equity capital to assets | 7.7745% | 6,272 |
| Core capital (leverage) ratio | 8.1876% | 6,077 |
| Tier 1 risk-based capital ratio | 11.9289% | 5,816 |
| Total risk-based capital ratio | 13.1822% | 5,760 |
| Memoranda: | ||
| Average total assets | $132,562,250 | 4,059 |
| Average earning assets | $118,605,250 | 4,116 |
| Average equity | $10,234,750 | 4,840 |
| Average total loans | $74,235,500 | 4,143 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6536% | 5,281 |
| Cost of funding earning assets | 0.4163% | 4,792 |
| Net interest margin | 3.2373% | 4,815 |
| Noninterest income to average assets | 0.5802% | 3,315 |
| Noninterest expense to average assets | 2.8906% | 3,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5337% | 4,651 |
| Return on assets (ROA) | 0.5337% | 4,816 |
| Pretax return on assets | 0.5577% | 5,172 |
| Return on Equity (ROE) | 6.9288% | 3,642 |
| Retained earnings to average equity (ytd only) | 1.6543% | 5,195 |
| Net charge-offs to loans | 0.1570% | 2,845 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.6429% | 2,682 |
| Efficiency ratio | 83.7826% | 1,658 |
| Assets per employee ($millions) | 4.1178% | 3,541 |
| Cash dividends to net income (ytd only)* | 76.1236% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8240% | 2,353 |
| Loan loss allowance to noncurrent loans | 53.0074% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 2.0188% | 2,136 |
| Noncurrent loans to loans | 3.4410% | 1,241 |
| Net loans and leases to total assets | 57.5988% | 4,049 |
| Net loans and leases to deposits | 76.1896% | 2,847 |
| Net loans and leases to core deposits | 83.6597% | 2,605 |
| Total domestic deposits to total assets | 75.5993% | 6,296 |
| Equity capital to assets | 7.6356% | 6,396 |
| Core capital (leverage) ratio | 7.6927% | 6,371 |
| Tier 1 risk-based capital ratio | 12.7976% | 5,290 |
| Total risk-based capital ratio | 14.0537% | 5,217 |
| Memoranda: | ||
| Average total assets | $133,398,330 | 4,073 |
| Average earning assets | $118,183,670 | 4,154 |
| Average equity | $10,276,000 | 4,879 |
| Average total loans | $71,322,000 | 4,262 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6839% | 5,218 |
| Cost of funding earning assets | 0.4183% | 4,923 |
| Net interest margin | 3.2656% | 4,652 |
| Noninterest income to average assets | 0.4755% | 3,952 |
| Noninterest expense to average assets | 2.9001% | 3,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3669% | 5,274 |
| Return on assets (ROA) | 0.3669% | 5,406 |
| Pretax return on assets | 0.4168% | 5,512 |
| Return on Equity (ROE) | 4.7436% | 4,713 |
| Retained earnings to average equity (ytd only) | 2.8462% | 4,572 |
| Net charge-offs to loans | 0.3624% | 1,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.2540% | 3,090 |
| Efficiency ratio | 87.3451% | 1,388 |
| Assets per employee ($millions) | 4.5631% | 2,857 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0434% | 1,931 |
| Loan loss allowance to noncurrent loans | 51.6337% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 1.9227% | 2,443 |
| Noncurrent loans to loans | 3.9575% | 1,148 |
| Net loans and leases to total assets | 47.5905% | 5,272 |
| Net loans and leases to deposits | 59.5176% | 4,851 |
| Net loans and leases to core deposits | 64.6322% | 4,686 |
| Total domestic deposits to total assets | 79.9603% | 5,760 |
| Equity capital to assets | 7.6994% | 6,524 |
| Core capital (leverage) ratio | 7.4560% | 6,487 |
| Tier 1 risk-based capital ratio | 13.5981% | 4,801 |
| Total risk-based capital ratio | 14.8547% | 4,758 |
| Memoranda: | ||
| Average total assets | $136,271,500 | 4,058 |
| Average earning assets | $118,569,500 | 4,184 |
| Average equity | $10,540,500 | 4,876 |
| Average total loans | $69,537,000 | 4,358 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 4,660 |
| Cost of funding earning assets | 0.5133% | 5,128 |
| Net interest margin | 3.6674% | 3,794 |
| Noninterest income to average assets | 0.6974% | 2,742 |
| Noninterest expense to average assets | 3.0500% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8879% | 2,876 |
| Return on assets (ROA) | 0.9100% | 3,009 |
| Pretax return on assets | 0.9858% | 3,593 |
| Return on Equity (ROE) | 11.5474% | 1,638 |
| Retained earnings to average equity (ytd only) | 7.8879% | 1,161 |
| Net charge-offs to loans | -0.0307% | 6,618 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0069% | 2,744 |
| Assets per employee ($millions) | 4.5217% | 2,918 |
| Cash dividends to net income (ytd only)* | 31.6907% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 2,133 |
| Loan loss allowance to noncurrent loans | 44.5908% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 2.3509% | 2,088 |
| Noncurrent loans to loans | 4.3946% | 988 |
| Net loans and leases to total assets | 52.4475% | 4,853 |
| Net loans and leases to deposits | 71.1016% | 3,548 |
| Net loans and leases to core deposits | 77.8298% | 3,286 |
| Total domestic deposits to total assets | 73.7641% | 6,555 |
| Equity capital to assets | 7.7707% | 6,515 |
| Core capital (leverage) ratio | 7.1911% | 6,638 |
| Tier 1 risk-based capital ratio | 12.3794% | 5,559 |
| Total risk-based capital ratio | 13.6368% | 5,503 |
| Memoranda: | ||
| Average total assets | $129,342,200 | 4,154 |
| Average earning assets | $116,894,800 | 4,188 |
| Average equity | $10,192,800 | 4,939 |
| Average total loans | $74,856,400 | 4,180 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2270% | 4,722 |
| Cost of funding earning assets | 0.5186% | 5,315 |
| Net interest margin | 3.7084% | 3,764 |
| Noninterest income to average assets | 0.6950% | 2,734 |
| Noninterest expense to average assets | 3.0931% | 2,909 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9674% | 2,671 |
| Return on assets (ROA) | 0.9935% | 2,770 |
| Pretax return on assets | 0.9935% | 3,740 |
| Return on Equity (ROE) | 12.5602% | 1,445 |
| Retained earnings to average equity (ytd only) | 8.7605% | 1,320 |
| Net charge-offs to loans | -0.0283% | 6,568 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1501% | 2,651 |
| Assets per employee ($millions) | 4.4918% | 2,927 |
| Cash dividends to net income (ytd only)* | 30.2521% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8055% | 2,777 |
| Loan loss allowance to noncurrent loans | 43.3384% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 2.6641% | 1,976 |
| Noncurrent loans to loans | 4.1661% | 1,196 |
| Net loans and leases to total assets | 57.1089% | 4,279 |
| Net loans and leases to deposits | 83.8082% | 1,891 |
| Net loans and leases to core deposits | 92.8008% | 1,699 |
| Total domestic deposits to total assets | 68.1425% | 6,914 |
| Equity capital to assets | 7.7839% | 6,683 |
| Core capital (leverage) ratio | 7.3999% | 6,667 |
| Tier 1 risk-based capital ratio | 11.5214% | 6,214 |
| Total risk-based capital ratio | 12.7767% | 6,183 |
| Memoranda: | ||
| Average total assets | $127,765,250 | 4,236 |
| Average earning assets | $115,949,250 | 4,247 |
| Average equity | $10,105,750 | 5,005 |
| Average total loans | $75,428,750 | 4,220 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 4,918 |
| Cost of funding earning assets | 0.5136% | 5,524 |
| Net interest margin | 3.6956% | 3,844 |
| Noninterest income to average assets | 0.6840% | 2,753 |
| Noninterest expense to average assets | 3.1139% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9200% | 2,808 |
| Return on assets (ROA) | 0.9423% | 2,958 |
| Pretax return on assets | 0.9423% | 3,910 |
| Return on Equity (ROE) | 11.8461% | 1,718 |
| Retained earnings to average equity (ytd only) | 7.7771% | 1,729 |
| Net charge-offs to loans | -0.0269% | 6,497 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1542% | 2,570 |
| Assets per employee ($millions) | 4.4701% | 2,958 |
| Cash dividends to net income (ytd only)* | 34.3486% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 3,218 |
| Loan loss allowance to noncurrent loans | 25.2102% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 4.5930% | 1,064 |
| Noncurrent loans to loans | 6.7516% | 596 |
| Net loans and leases to total assets | 62.7703% | 3,275 |
| Net loans and leases to deposits | 91.9436% | 959 |
| Net loans and leases to core deposits | 99.3492% | 1,143 |
| Total domestic deposits to total assets | 68.2704% | 6,987 |
| Equity capital to assets | 7.8630% | 6,646 |
| Core capital (leverage) ratio | 7.7265% | 6,501 |
| Tier 1 risk-based capital ratio | 10.8892% | 6,548 |
| Total risk-based capital ratio | 12.1433% | 6,529 |
| Memoranda: | ||
| Average total assets | $125,436,000 | 4,302 |
| Average earning assets | $113,702,330 | 4,313 |
| Average equity | $9,978,000 | 5,037 |
| Average total loans | $74,448,000 | 4,266 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1428% | 5,304 |
| Cost of funding earning assets | 0.5380% | 5,563 |
| Net interest margin | 3.6047% | 4,247 |
| Noninterest income to average assets | 0.6811% | 2,751 |
| Noninterest expense to average assets | 3.1750% | 2,679 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7654% | 3,539 |
| Return on assets (ROA) | 0.7719% | 3,755 |
| Pretax return on assets | 0.7719% | 4,523 |
| Return on Equity (ROE) | 9.6449% | 2,540 |
| Retained earnings to average equity (ytd only) | 4.8630% | 3,639 |
| Net charge-offs to loans | -0.0114% | 5,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4938% | 2,143 |
| Assets per employee ($millions) | 4.3398% | 3,318 |
| Cash dividends to net income (ytd only)* | 49.5798% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0419% | 2,233 |
| Loan loss allowance to noncurrent loans | 41.0971% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 2.9987% | 1,931 |
| Noncurrent loans to loans | 4.9684% | 1,138 |
| Net loans and leases to total assets | 53.4060% | 4,816 |
| Net loans and leases to deposits | 71.0122% | 3,586 |
| Net loans and leases to core deposits | 75.0723% | 3,736 |
| Total domestic deposits to total assets | 75.2068% | 6,622 |
| Equity capital to assets | 7.8608% | 6,605 |
| Core capital (leverage) ratio | 7.6854% | 6,499 |
| Tier 1 risk-based capital ratio | 11.7246% | 6,144 |
| Total risk-based capital ratio | 12.9810% | 6,121 |
| Memoranda: | ||
| Average total assets | $123,337,500 | 4,373 |
| Average earning assets | $111,520,000 | 4,400 |
| Average equity | $9,870,500 | 5,074 |
| Average total loans | $70,282,000 | 4,442 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 2,768 |
| Cost of funding earning assets | 0.7593% | 5,139 |
| Net interest margin | 4.2682% | 1,811 |
| Noninterest income to average assets | 0.9236% | 1,594 |
| Noninterest expense to average assets | 3.6003% | 1,740 |
| Loan and lease loss provision to assets | 1.2326% | 699 |
| Net operating income to assets | -0.1592% | 6,213 |
| Return on assets (ROA) | -0.1387% | 6,265 |
| Pretax return on assets | -0.1310% | 6,226 |
| Return on Equity (ROE) | -1.6264% | 6,306 |
| Retained earnings to average equity (ytd only) | -6.1644% | 6,518 |
| Net charge-offs to loans | 1.1058% | 1,559 |
| Credit loss provision to net charge-offs | 172.8691% | 1,531 |
| Earnings coverage of net charge-offs (x) | 1.5162% | 4,641 |
| Efficiency ratio | 76.8879% | 2,758 |
| Assets per employee ($millions) | 3.8975% | 4,084 |
| Cash dividends to net income (ytd only)* | -279.0123% | 7,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9444% | 2,434 |
| Loan loss allowance to noncurrent loans | 39.9829% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 3.1981% | 1,869 |
| Noncurrent loans to loans | 4.8631% | 1,183 |
| Net loans and leases to total assets | 58.3925% | 4,299 |
| Net loans and leases to deposits | 82.0685% | 2,187 |
| Net loans and leases to core deposits | 87.2519% | 2,467 |
| Total domestic deposits to total assets | 71.1509% | 6,920 |
| Equity capital to assets | 8.1508% | 6,484 |
| Core capital (leverage) ratio | 7.7713% | 6,469 |
| Tier 1 risk-based capital ratio | 11.4032% | 6,211 |
| Total risk-based capital ratio | 12.6584% | 6,208 |
| Memoranda: | ||
| Average total assets | $116,824,200 | 4,485 |
| Average earning assets | $102,853,200 | 4,564 |
| Average equity | $9,960,400 | 5,031 |
| Average total loans | $75,333,200 | 4,300 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1779% | 2,289 |
| Cost of funding earning assets | 0.8163% | 5,042 |
| Net interest margin | 4.3616% | 1,525 |
| Noninterest income to average assets | 0.8703% | 1,753 |
| Noninterest expense to average assets | 3.6284% | 1,651 |
| Loan and lease loss provision to assets | 1.6576% | 385 |
| Net operating income to assets | -0.5963% | 6,695 |
| Return on assets (ROA) | -0.5963% | 6,738 |
| Pretax return on assets | -0.5963% | 6,676 |
| Return on Equity (ROE) | -6.9145% | 6,763 |
| Retained earnings to average equity (ytd only) | -11.8133% | 6,913 |
| Net charge-offs to loans | 1.5209% | 955 |
| Credit loss provision to net charge-offs | 165.7077% | 1,838 |
| Earnings coverage of net charge-offs (x) | 1.0610% | 4,836 |
| Efficiency ratio | 77.3441% | 2,637 |
| Assets per employee ($millions) | 3.6379% | 4,666 |
| Cash dividends to net income (ytd only)* | -70.8492% | 7,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7773% | 3,021 |
| Loan loss allowance to noncurrent loans | 37.3118% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 3.4515% | 1,826 |
| Noncurrent loans to loans | 4.7633% | 1,352 |
| Net loans and leases to total assets | 64.7081% | 3,166 |
| Net loans and leases to deposits | 94.1588% | 821 |
| Net loans and leases to core deposits | 101.9379% | 1,097 |
| Total domestic deposits to total assets | 68.7223% | 7,105 |
| Equity capital to assets | 8.2019% | 6,559 |
| Core capital (leverage) ratio | 7.7546% | 6,595 |
| Tier 1 risk-based capital ratio | 10.6683% | 6,716 |
| Total risk-based capital ratio | 11.9231% | 6,698 |
| Memoranda: | ||
| Average total assets | $115,824,750 | 4,537 |
| Average earning assets | $101,428,250 | 4,629 |
| Average equity | $9,988,500 | 5,032 |
| Average total loans | $76,179,000 | 4,310 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 2,502 |
| Cost of funding earning assets | 0.8556% | 5,022 |
| Net interest margin | 4.2859% | 1,720 |
| Noninterest income to average assets | 0.6504% | 2,837 |
| Noninterest expense to average assets | 3.5666% | 1,823 |
| Loan and lease loss provision to assets | 1.0205% | 844 |
| Net operating income to assets | -0.2024% | 6,471 |
| Return on assets (ROA) | -0.2024% | 6,510 |
| Pretax return on assets | -0.2024% | 6,453 |
| Return on Equity (ROE) | -2.3088% | 6,545 |
| Retained earnings to average equity (ytd only) | -7.2223% | 6,730 |
| Net charge-offs to loans | 2.1866% | 588 |
| Credit loss provision to net charge-offs | 70.9988% | 4,037 |
| Earnings coverage of net charge-offs (x) | 0.5692% | 4,875 |
| Efficiency ratio | 81.3018% | 2,204 |
| Assets per employee ($millions) | 3.6586% | 4,541 |
| Cash dividends to net income (ytd only)* | -212.8205% | 7,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7049% | 7,012 |
| Loan loss allowance to noncurrent loans | 56.3395% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.1471% | 4,594 |
| Noncurrent loans to loans | 1.2512% | 4,567 |
| Net loans and leases to total assets | 66.2940% | 2,970 |
| Net loans and leases to deposits | 96.9278% | 655 |
| Net loans and leases to core deposits | 104.8102% | 999 |
| Total domestic deposits to total assets | 68.3952% | 7,172 |
| Equity capital to assets | 8.5314% | 6,148 |
| Core capital (leverage) ratio | 8.4634% | 5,606 |
| Tier 1 risk-based capital ratio | 11.6475% | 6,056 |
| Total risk-based capital ratio | 12.3226% | 6,458 |
| Memoranda: | ||
| Average total assets | $115,629,000 | 4,571 |
| Average earning assets | $100,748,330 | 4,690 |
| Average equity | $10,135,330 | 5,013 |
| Average total loans | $76,008,330 | 4,343 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1348% | 2,501 |
| Cost of funding earning assets | 0.9489% | 4,577 |
| Net interest margin | 4.1858% | 1,943 |
| Noninterest income to average assets | 0.5987% | 3,174 |
| Noninterest expense to average assets | 3.5368% | 1,917 |
| Loan and lease loss provision to assets | 0.3481% | 2,474 |
| Net operating income to assets | 0.3377% | 5,236 |
| Return on assets (ROA) | 0.3377% | 5,313 |
| Pretax return on assets | 0.3377% | 5,539 |
| Return on Equity (ROE) | 3.8006% | 5,001 |
| Retained earnings to average equity (ytd only) | -0.8228% | 5,947 |
| Net charge-offs to loans | 2.0446% | 624 |
| Credit loss provision to net charge-offs | 26.1097% | 4,181 |
| Earnings coverage of net charge-offs (x) | 0.5144% | 4,234 |
| Efficiency ratio | 83.6768% | 1,993 |
| Assets per employee ($millions) | 3.8341% | 4,228 |
| Cash dividends to net income (ytd only)* | 121.6495% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7129% | 7,063 |
| Loan loss allowance to noncurrent loans | 12,725.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 6,389 |
| Noncurrent loans to loans | 0.0056% | 7,073 |
| Net loans and leases to total assets | 61.6352% | 3,940 |
| Net loans and leases to deposits | 81.9821% | 2,367 |
| Net loans and leases to core deposits | 92.1012% | 2,117 |
| Total domestic deposits to total assets | 75.1813% | 6,766 |
| Equity capital to assets | 8.8948% | 5,354 |
| Core capital (leverage) ratio | 8.6863% | 5,104 |
| Tier 1 risk-based capital ratio | 12.6148% | 5,152 |
| Total risk-based capital ratio | 13.2666% | 5,666 |
| Memoranda: | ||
| Average total assets | $114,906,500 | 4,622 |
| Average earning assets | $99,479,000 | 4,754 |
| Average equity | $10,209,000 | 4,987 |
| Average total loans | $74,930,500 | 4,426 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6770% | 1,651 |
| Cost of funding earning assets | 1.2766% | 4,040 |
| Net interest margin | 4.4004% | 1,471 |
| Noninterest income to average assets | 1.0020% | 1,496 |
| Noninterest expense to average assets | 3.3594% | 2,560 |
| Loan and lease loss provision to assets | 0.4603% | 3,368 |
| Net operating income to assets | 0.9295% | 2,278 |
| Return on assets (ROA) | 0.9311% | 2,402 |
| Pretax return on assets | 1.0571% | 2,748 |
| Return on Equity (ROE) | 10.5665% | 1,733 |
| Retained earnings to average equity (ytd only) | 5.8890% | 1,890 |
| Net charge-offs to loans | 0.5913% | 3,256 |
| Credit loss provision to net charge-offs | 110.9705% | 3,964 |
| Earnings coverage of net charge-offs (x) | 3.6540% | 3,251 |
| Efficiency ratio | 68.8745% | 4,391 |
| Assets per employee ($millions) | 4.0997% | 3,578 |
| Cash dividends to net income (ytd only)* | 44.2669% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 6,343 |
| Loan loss allowance to noncurrent loans | 37.0960% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 1.8599% | 3,542 |
| Noncurrent loans to loans | 2.7212% | 2,797 |
| Net loans and leases to total assets | 67.6586% | 3,065 |
| Net loans and leases to deposits | 96.3598% | 842 |
| Net loans and leases to core deposits | 109.2103% | 971 |
| Total domestic deposits to total assets | 70.2146% | 7,226 |
| Equity capital to assets | 8.8744% | 5,320 |
| Core capital (leverage) ratio | 8.4180% | 5,503 |
| Tier 1 risk-based capital ratio | 12.2634% | 5,244 |
| Total risk-based capital ratio | 13.2482% | 5,456 |
| Memoranda: | ||
| Average total assets | $114,275,800 | 4,606 |
| Average earning assets | $100,581,600 | 4,710 |
| Average equity | $10,069,600 | 5,112 |
| Average total loans | $80,167,000 | 4,341 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6816% | 1,771 |
| Cost of funding earning assets | 1.3229% | 4,087 |
| Net interest margin | 4.3587% | 1,648 |
| Noninterest income to average assets | 0.9613% | 1,579 |
| Noninterest expense to average assets | 3.2157% | 2,869 |
| Loan and lease loss provision to assets | 0.1822% | 5,222 |
| Net operating income to assets | 1.4133% | 1,080 |
| Return on assets (ROA) | 1.4157% | 1,152 |
| Pretax return on assets | 1.4180% | 1,833 |
| Return on Equity (ROE) | 16.0948% | 692 |
| Retained earnings to average equity (ytd only) | 10.9689% | 613 |
| Net charge-offs to loans | 0.0066% | 6,574 |
| Credit loss provision to net charge-offs | 3,900.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 342.2045% | 91 |
| Efficiency ratio | 66.7556% | 4,704 |
| Assets per employee ($millions) | 4.0604% | 3,716 |
| Cash dividends to net income (ytd only)* | 31.8479% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 6,135 |
| Loan loss allowance to noncurrent loans | 72.8163% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.0403% | 5,023 |
| Noncurrent loans to loans | 1.4489% | 4,445 |
| Net loans and leases to total assets | 71.0411% | 2,483 |
| Net loans and leases to deposits | 108.1724% | 296 |
| Net loans and leases to core deposits | 124.7454% | 479 |
| Total domestic deposits to total assets | 65.6739% | 7,481 |
| Equity capital to assets | 9.0087% | 5,567 |
| Core capital (leverage) ratio | 8.5322% | 5,447 |
| Tier 1 risk-based capital ratio | 11.7674% | 5,673 |
| Total risk-based capital ratio | 12.8063% | 5,864 |
| Memoranda: | ||
| Average total assets | $114,147,000 | 4,670 |
| Average earning assets | $100,883,750 | 4,762 |
| Average equity | $10,040,250 | 5,181 |
| Average total loans | $80,594,250 | 4,399 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6261% | 2,038 |
| Cost of funding earning assets | 1.3870% | 3,959 |
| Net interest margin | 4.2391% | 2,021 |
| Noninterest income to average assets | 0.7101% | 2,648 |
| Noninterest expense to average assets | 3.1945% | 2,919 |
| Loan and lease loss provision to assets | 0.1877% | 4,995 |
| Net operating income to assets | 1.0695% | 1,945 |
| Return on assets (ROA) | 1.0713% | 2,017 |
| Pretax return on assets | 1.0749% | 2,863 |
| Return on Equity (ROE) | 12.2830% | 1,385 |
| Retained earnings to average equity (ytd only) | 6.8419% | 1,909 |
| Net charge-offs to loans | 0.0101% | 6,211 |
| Credit loss provision to net charge-offs | 2,650.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 195 |
| Efficiency ratio | 71.6216% | 3,871 |
| Assets per employee ($millions) | 3.9165% | 3,933 |
| Cash dividends to net income (ytd only)* | 44.2975% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 6,460 |
| Loan loss allowance to noncurrent loans | 52.3632% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.3686% | 4,432 |
| Noncurrent loans to loans | 1.8820% | 3,891 |
| Net loans and leases to total assets | 71.9999% | 2,402 |
| Net loans and leases to deposits | 109.8063% | 282 |
| Net loans and leases to core deposits | 126.5929% | 497 |
| Total domestic deposits to total assets | 65.5699% | 7,545 |
| Equity capital to assets | 8.5526% | 6,097 |
| Core capital (leverage) ratio | 8.4652% | 5,471 |
| Tier 1 risk-based capital ratio | 11.2814% | 5,959 |
| Total risk-based capital ratio | 12.2701% | 6,205 |
| Memoranda: | ||
| Average total assets | $112,945,000 | 4,733 |
| Average earning assets | $99,785,330 | 4,817 |
| Average equity | $9,851,000 | 5,246 |
| Average total loans | $79,277,330 | 4,463 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5812% | 2,240 |
| Cost of funding earning assets | 1.4439% | 3,913 |
| Net interest margin | 4.1373% | 2,284 |
| Noninterest income to average assets | 0.6831% | 2,716 |
| Noninterest expense to average assets | 3.1517% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1385% | 1,711 |
| Return on assets (ROA) | 1.1385% | 1,788 |
| Pretax return on assets | 1.1458% | 2,571 |
| Return on Equity (ROE) | 12.9204% | 1,269 |
| Retained earnings to average equity (ytd only) | 9.4340% | 1,291 |
| Net charge-offs to loans | 0.0210% | 5,288 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 79.2500% | 389 |
| Efficiency ratio | 73.1707% | 3,731 |
| Assets per employee ($millions) | 3.9250% | 4,044 |
| Cash dividends to net income (ytd only)* | 26.9841% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 6,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 69.9190% | 2,960 |
| Net loans and leases to deposits | 100.8677% | 706 |
| Net loans and leases to core deposits | 105.9467% | 1,581 |
| Total domestic deposits to total assets | 69.3176% | 7,459 |
| Equity capital to assets | 9.0018% | 5,278 |
| Core capital (leverage) ratio | 8.7241% | 4,981 |
| Tier 1 risk-based capital ratio | 11.9303% | 5,272 |
| Total risk-based capital ratio | 12.8541% | 5,544 |
| Memoranda: | ||
| Average total assets | $110,669,500 | 4,856 |
| Average earning assets | $96,682,000 | 4,966 |
| Average equity | $9,752,000 | 5,310 |
| Average total loans | $76,196,500 | 4,631 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0341% | 1,729 |
| Cost of funding earning assets | 1.8717% | 3,613 |
| Net interest margin | 4.1624% | 2,206 |
| Noninterest income to average assets | 1.0627% | 1,363 |
| Noninterest expense to average assets | 3.5572% | 2,252 |
| Loan and lease loss provision to assets | 0.2809% | 5,174 |
| Net operating income to assets | 0.9106% | 2,142 |
| Return on assets (ROA) | 0.9087% | 2,209 |
| Pretax return on assets | 0.9087% | 2,897 |
| Return on Equity (ROE) | 10.1539% | 1,648 |
| Retained earnings to average equity (ytd only) | 6.9064% | 997 |
| Net charge-offs to loans | 0.1557% | 5,705 |
| Credit loss provision to net charge-offs | 250.0000% | 1,414 |
| Earnings coverage of net charge-offs (x) | 10.6034% | 1,668 |
| Efficiency ratio | 74.8878% | 3,727 |
| Assets per employee ($millions) | 3.8427% | 4,166 |
| Cash dividends to net income (ytd only)* | 31.9829% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 6,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 66.4722% | 4,041 |
| Net loans and leases to deposits | 93.6012% | 1,653 |
| Net loans and leases to core deposits | 117.6276% | 2,168 |
| Total domestic deposits to total assets | 71.0164% | 7,341 |
| Equity capital to assets | 8.6244% | 5,700 |
| Core capital (leverage) ratio | 8.5331% | 5,232 |
| Tier 1 risk-based capital ratio | 12.2716% | 4,708 |
| Total risk-based capital ratio | 13.2506% | 4,900 |
| Memoranda: | ||
| Average total assets | $103,226,800 | 5,006 |
| Average earning assets | $91,414,200 | 5,080 |
| Average equity | $9,237,800 | 5,534 |
| Average total loans | $74,503,800 | 4,709 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0146% | 1,974 |
| Cost of funding earning assets | 1.9583% | 3,576 |
| Net interest margin | 4.0563% | 2,566 |
| Noninterest income to average assets | 1.0240% | 1,516 |
| Noninterest expense to average assets | 3.4409% | 2,448 |
| Loan and lease loss provision to assets | 0.2504% | 4,949 |
| Net operating income to assets | 0.9686% | 2,168 |
| Return on assets (ROA) | 0.9831% | 2,177 |
| Pretax return on assets | 0.9831% | 2,959 |
| Return on Equity (ROE) | 10.8769% | 1,660 |
| Retained earnings to average equity (ytd only) | 7.5964% | 1,268 |
| Net charge-offs to loans | 0.1989% | 4,823 |
| Credit loss provision to net charge-offs | 171.1712% | 2,718 |
| Earnings coverage of net charge-offs (x) | 8.3331% | 2,266 |
| Efficiency ratio | 73.8122% | 3,891 |
| Assets per employee ($millions) | 4.0374% | 3,657 |
| Cash dividends to net income (ytd only)* | 30.1607% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8196% | 7,060 |
| Loan loss allowance to noncurrent loans | 602.8037% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 7,302 |
| Noncurrent loans to loans | 0.1360% | 7,142 |
| Net loans and leases to total assets | 71.6019% | 3,129 |
| Net loans and leases to deposits | 100.8841% | 1,025 |
| Net loans and leases to core deposits | 130.6059% | 1,399 |
| Total domestic deposits to total assets | 70.9745% | 7,332 |
| Equity capital to assets | 8.7817% | 5,829 |
| Core capital (leverage) ratio | 8.7139% | 5,106 |
| Tier 1 risk-based capital ratio | 11.6755% | 5,266 |
| Total risk-based capital ratio | 12.4978% | 5,640 |
| Memoranda: | ||
| Average total assets | $101,173,750 | 5,095 |
| Average earning assets | $90,688,250 | 5,139 |
| Average equity | $9,144,500 | 5,616 |
| Average total loans | $74,425,750 | 4,756 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0363% | 2,029 |
| Cost of funding earning assets | 2.1262% | 3,157 |
| Net interest margin | 3.9101% | 3,060 |
| Noninterest income to average assets | 0.7467% | 2,721 |
| Noninterest expense to average assets | 3.4293% | 2,538 |
| Loan and lease loss provision to assets | 0.1420% | 5,646 |
| Net operating income to assets | 0.6757% | 3,362 |
| Return on assets (ROA) | 0.6980% | 3,372 |
| Pretax return on assets | 0.6980% | 3,998 |
| Return on Equity (ROE) | 7.6430% | 2,906 |
| Retained earnings to average equity (ytd only) | 4.3103% | 2,901 |
| Net charge-offs to loans | 0.3068% | 3,653 |
| Credit loss provision to net charge-offs | 62.5000% | 5,550 |
| Earnings coverage of net charge-offs (x) | 3.5982% | 3,378 |
| Efficiency ratio | 80.6976% | 2,933 |
| Assets per employee ($millions) | 3.7592% | 4,194 |
| Cash dividends to net income (ytd only)* | 43.6047% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6704% | 7,484 |
| Loan loss allowance to noncurrent loans | 609.3023% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 7,373 |
| Noncurrent loans to loans | 0.1100% | 7,245 |
| Net loans and leases to total assets | 76.4884% | 2,058 |
| Net loans and leases to deposits | 112.1747% | 470 |
| Net loans and leases to core deposits | 143.3094% | 867 |
| Total domestic deposits to total assets | 68.1869% | 7,610 |
| Equity capital to assets | 9.0001% | 5,319 |
| Core capital (leverage) ratio | 8.8981% | 4,787 |
| Tier 1 risk-based capital ratio | 11.6634% | 5,230 |
| Total risk-based capital ratio | 12.3554% | 5,688 |
| Memoranda: | ||
| Average total assets | $98,561,330 | 5,199 |
| Average earning assets | $88,233,330 | 5,253 |
| Average equity | $9,001,670 | 5,689 |
| Average total loans | $73,001,330 | 4,841 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8681% | 2,946 |
| Cost of funding earning assets | 2.2856% | 2,763 |
| Net interest margin | 3.5824% | 4,395 |
| Noninterest income to average assets | 0.7910% | 2,375 |
| Noninterest expense to average assets | 3.4071% | 2,337 |
| Loan and lease loss provision to assets | 0.1236% | 5,377 |
| Net operating income to assets | 0.4243% | 4,765 |
| Return on assets (ROA) | 0.4243% | 4,938 |
| Pretax return on assets | 0.4243% | 5,326 |
| Return on Equity (ROE) | 4.6111% | 4,656 |
| Retained earnings to average equity (ytd only) | 1.2535% | 5,137 |
| Net charge-offs to loans | -0.0057% | 7,192 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0417% | 2,061 |
| Assets per employee ($millions) | 3.5134% | 4,781 |
| Cash dividends to net income (ytd only)* | 72.8155% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8582% | 6,921 |
| Loan loss allowance to noncurrent loans | 63.6461% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 0.9888% | 4,721 |
| Noncurrent loans to loans | 1.3484% | 4,291 |
| Net loans and leases to total assets | 72.7027% | 3,073 |
| Net loans and leases to deposits | 104.6174% | 971 |
| Net loans and leases to core deposits | 122.0478% | 2,251 |
| Total domestic deposits to total assets | 69.4939% | 7,474 |
| Equity capital to assets | 9.4895% | 4,683 |
| Core capital (leverage) ratio | 8.8071% | 4,972 |
| Tier 1 risk-based capital ratio | 11.9482% | 5,004 |
| Total risk-based capital ratio | 12.7713% | 5,286 |
| Memoranda: | ||
| Average total assets | $97,092,500 | 5,267 |
| Average earning assets | $85,752,500 | 5,370 |
| Average equity | $8,935,000 | 5,723 |
| Average total loans | $70,422,500 | 4,968 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6606% | 2,197 |
| Cost of funding earning assets | 3.0366% | 1,724 |
| Net interest margin | 3.6240% | 4,769 |
| Noninterest income to average assets | 1.2844% | 891 |
| Noninterest expense to average assets | 3.4511% | 2,523 |
| Loan and lease loss provision to assets | 0.1719% | 5,185 |
| Net operating income to assets | 0.9135% | 2,946 |
| Return on assets (ROA) | 0.9188% | 2,770 |
| Pretax return on assets | 0.9188% | 3,664 |
| Return on Equity (ROE) | 10.3057% | 2,159 |
| Retained earnings to average equity (ytd only) | 6.0408% | 1,511 |
| Net charge-offs to loans | 0.2475% | 3,800 |
| Credit loss provision to net charge-offs | 92.6966% | 5,606 |
| Earnings coverage of net charge-offs (x) | 5.8539% | 3,509 |
| Efficiency ratio | 76.0505% | 3,231 |
| Assets per employee ($millions) | 3.5472% | 4,552 |
| Cash dividends to net income (ytd only)* | 41.3832% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 7,130 |
| Loan loss allowance to noncurrent loans | 61.0572% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 4,495 |
| Noncurrent loans to loans | 1.3005% | 3,911 |
| Net loans and leases to total assets | 71.1967% | 3,749 |
| Net loans and leases to deposits | 106.4072% | 1,091 |
| Net loans and leases to core deposits | 127.1057% | 2,075 |
| Total domestic deposits to total assets | 66.9096% | 7,586 |
| Equity capital to assets | 8.9285% | 5,462 |
| Core capital (leverage) ratio | 8.9358% | 4,838 |
| Tier 1 risk-based capital ratio | 11.8790% | 4,922 |
| Total risk-based capital ratio | 12.6577% | 5,230 |
| Memoranda: | ||
| Average total assets | $95,999,400 | 5,173 |
| Average earning assets | $86,148,600 | 5,227 |
| Average equity | $8,558,400 | 5,887 |
| Average total loans | $71,926,800 | 4,800 |