Home > The First State Bank > Performance and Condition Ratios
The First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 4,185 |
| Cost of funding earning assets | 1.0595% | 3,173 |
| Net interest margin | 2.7378% | 3,764 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.0286% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8442% | 2,727 |
| Return on assets (ROA) | 0.8147% | 2,803 |
| Pretax return on assets | 0.8147% | 3,175 |
| Return on Equity (ROE) | 9.5700% | 2,620 |
| Retained earnings to average equity (ytd only) | 7.1685% | 1,847 |
| Net charge-offs to loans | 0.1442% | 708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 17.9714% | 1,953 |
| Efficiency ratio | 70.6143% | 1,805 |
| Assets per employee ($millions) | 7.5921% | 1,664 |
| Cash dividends to net income (ytd only)* | 25.1236% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7633% | 4,039 |
| Loan loss allowance to noncurrent loans | 1,528.0000% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,630 |
| Noncurrent loans to loans | 0.0500% | 3,367 |
| Net loans and leases to total assets | 34.4300% | 4,202 |
| Net loans and leases to deposits | 38.4293% | 4,233 |
| Net loans and leases to core deposits | 46.1714% | 4,157 |
| Total domestic deposits to total assets | 89.5900% | 879 |
| Equity capital to assets | 10.1387% | 1,925 |
| Core capital (leverage) ratio | 14.7351% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8010% | 223 |
| Memoranda: | ||
| Average total assets | $149,017,200 | 3,373 |
| Average earning assets | $139,965,400 | 3,344 |
| Average equity | $12,680,400 | 3,466 |
| Average total loans | $48,547,200 | 3,861 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 4,195 |
| Cost of funding earning assets | 0.9986% | 3,047 |
| Net interest margin | 2.7197% | 3,856 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.0469% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8246% | 2,948 |
| Return on assets (ROA) | 0.8246% | 2,934 |
| Pretax return on assets | 0.8246% | 3,278 |
| Return on Equity (ROE) | 10.1600% | 2,596 |
| Retained earnings to average equity (ytd only) | 7.6428% | 2,095 |
| Net charge-offs to loans | 0.1937% | 455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 13.2714% | 2,043 |
| Efficiency ratio | 71.2828% | 1,642 |
| Assets per employee ($millions) | 8.9718% | 946 |
| Cash dividends to net income (ytd only)* | 24.7578% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 4,091 |
| Loan loss allowance to noncurrent loans | 2,930.7692% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 3,766 |
| Noncurrent loans to loans | 0.0251% | 3,589 |
| Net loans and leases to total assets | 35.8800% | 4,190 |
| Net loans and leases to deposits | 39.5723% | 4,216 |
| Net loans and leases to core deposits | 47.5308% | 4,095 |
| Total domestic deposits to total assets | 90.6800% | 749 |
| Equity capital to assets | 7.4393% | 3,392 |
| Core capital (leverage) ratio | 14.6900% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6960% | 208 |
| Memoranda: | ||
| Average total assets | $150,209,250 | 3,363 |
| Average earning assets | $140,598,250 | 3,351 |
| Average equity | $12,194,250 | 3,513 |
| Average total loans | $48,173,250 | 3,874 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6052% | 4,244 |
| Cost of funding earning assets | 0.8410% | 3,095 |
| Net interest margin | 2.7642% | 3,881 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.1216% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7610% | 3,192 |
| Return on assets (ROA) | 0.7610% | 3,210 |
| Pretax return on assets | 0.7610% | 3,486 |
| Return on Equity (ROE) | 9.1300% | 2,947 |
| Retained earnings to average equity (ytd only) | 6.4570% | 2,459 |
| Net charge-offs to loans | 0.2216% | 366 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 11.1538% | 1,975 |
| Efficiency ratio | 73.6004% | 1,393 |
| Assets per employee ($millions) | 9.3231% | 819 |
| Cash dividends to net income (ytd only)* | 29.3103% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 4,045 |
| Loan loss allowance to noncurrent loans | 869.5652% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 3,478 |
| Noncurrent loans to loans | 0.0911% | 3,049 |
| Net loans and leases to total assets | 33.5700% | 4,250 |
| Net loans and leases to deposits | 39.3512% | 4,230 |
| Net loans and leases to core deposits | 47.2240% | 4,097 |
| Total domestic deposits to total assets | 85.3000% | 2,460 |
| Equity capital to assets | 8.1491% | 3,122 |
| Core capital (leverage) ratio | 14.2761% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3107% | 272 |
| Memoranda: | ||
| Average total assets | $152,429,333 | 3,356 |
| Average earning assets | $141,741,000 | 3,345 |
| Average equity | $12,699,333 | 3,466 |
| Average total loans | $46,933,333 | 3,908 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4488% | 4,325 |
| Cost of funding earning assets | 0.6613% | 3,186 |
| Net interest margin | 2.7875% | 3,958 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.1420% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7893% | 3,224 |
| Return on assets (ROA) | 0.7893% | 3,173 |
| Pretax return on assets | 0.7893% | 3,487 |
| Return on Equity (ROE) | 9.3700% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.2161% | 2,442 |
| Net charge-offs to loans | 0.4694% | 176 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.7358% | 1,802 |
| Efficiency ratio | 73.0735% | 1,424 |
| Assets per employee ($millions) | 8.9276% | 962 |
| Cash dividends to net income (ytd only)* | 23.0263% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 3,984 |
| Loan loss allowance to noncurrent loans | 3,618.1818% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 3,806 |
| Noncurrent loans to loans | 0.0235% | 3,600 |
| Net loans and leases to total assets | 30.5300% | 4,356 |
| Net loans and leases to deposits | 34.8774% | 4,355 |
| Net loans and leases to core deposits | 41.2677% | 4,237 |
| Total domestic deposits to total assets | 87.5500% | 2,073 |
| Equity capital to assets | 9.2205% | 2,348 |
| Core capital (leverage) ratio | 14.0448% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1160% | 262 |
| Memoranda: | ||
| Average total assets | $154,059,000 | 3,389 |
| Average earning assets | $143,356,000 | 3,370 |
| Average equity | $12,971,000 | 3,477 |
| Average total loans | $45,163,000 | 3,976 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0689% | 4,049 |
| Cost of funding earning assets | 0.3271% | 2,662 |
| Net interest margin | 2.7418% | 3,987 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.0337% | 3,491 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7861% | 3,371 |
| Return on assets (ROA) | 0.6733% | 3,647 |
| Pretax return on assets | 0.6733% | 3,906 |
| Return on Equity (ROE) | 7.0600% | 3,627 |
| Retained earnings to average equity (ytd only) | -5.2684% | 4,577 |
| Net charge-offs to loans | 0.0893% | 784 |
| Credit loss provision to net charge-offs | 216.6667% | 1,069 |
| Earnings coverage of net charge-offs (x) | 36.8056% | 1,555 |
| Efficiency ratio | 70.8855% | 1,578 |
| Assets per employee ($millions) | 9.1969% | 853 |
| Cash dividends to net income (ytd only)* | 174.6255% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 4,011 |
| Loan loss allowance to noncurrent loans | 445.5696% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 3,299 |
| Noncurrent loans to loans | 0.1813% | 2,578 |
| Net loans and leases to total assets | 27.6500% | 4,442 |
| Net loans and leases to deposits | 31.1922% | 4,446 |
| Net loans and leases to core deposits | 36.3039% | 4,368 |
| Total domestic deposits to total assets | 88.6500% | 1,826 |
| Equity capital to assets | 7.6419% | 3,299 |
| Core capital (leverage) ratio | 13.6047% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0023% | 264 |
| Memoranda: | ||
| Average total assets | $158,628,000 | 3,359 |
| Average earning assets | $148,295,200 | 3,342 |
| Average equity | $15,128,000 | 3,359 |
| Average total loans | $40,308,200 | 4,060 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9654% | 3,954 |
| Cost of funding earning assets | 0.2683% | 2,505 |
| Net interest margin | 2.6972% | 3,935 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.0134% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8157% | 3,184 |
| Return on assets (ROA) | 0.7027% | 3,516 |
| Pretax return on assets | 0.7027% | 3,795 |
| Return on Equity (ROE) | 7.0300% | 3,594 |
| Retained earnings to average equity (ytd only) | -8.0887% | 4,655 |
| Net charge-offs to loans | 0.1080% | 576 |
| Credit loss provision to net charge-offs | 9.3750% | 1,662 |
| Earnings coverage of net charge-offs (x) | 30.5313% | 1,513 |
| Efficiency ratio | 71.1032% | 1,628 |
| Assets per employee ($millions) | 8.9501% | 907 |
| Cash dividends to net income (ytd only)* | 215.1371% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6489% | 4,333 |
| Loan loss allowance to noncurrent loans | 369.7368% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,390 |
| Noncurrent loans to loans | 0.1755% | 2,711 |
| Net loans and leases to total assets | 28.2800% | 4,454 |
| Net loans and leases to deposits | 32.8438% | 4,441 |
| Net loans and leases to core deposits | 39.4271% | 4,295 |
| Total domestic deposits to total assets | 86.1000% | 3,044 |
| Equity capital to assets | 7.2711% | 3,361 |
| Core capital (leverage) ratio | 13.2047% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5910% | 255 |
| Memoranda: | ||
| Average total assets | $159,198,000 | 3,375 |
| Average earning assets | $149,091,500 | 3,356 |
| Average equity | $15,923,000 | 3,328 |
| Average total loans | $39,488,750 | 4,091 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8238% | 3,939 |
| Cost of funding earning assets | 0.2006% | 2,903 |
| Net interest margin | 2.6232% | 3,864 |
| Noninterest income to average assets | 0.2996% | 3,364 |
| Noninterest expense to average assets | 1.9685% | 3,519 |
| Loan and lease loss provision to assets | 0.0012% | 2,584 |
| Net operating income to assets | 0.7911% | 2,992 |
| Return on assets (ROA) | 0.6822% | 3,325 |
| Pretax return on assets | 0.6822% | 3,620 |
| Return on Equity (ROE) | 6.2817% | 3,507 |
| Retained earnings to average equity (ytd only) | -13.5553% | 4,697 |
| Net charge-offs to loans | 0.1570% | 407 |
| Credit loss provision to net charge-offs | 3.3333% | 1,652 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,529 |
| Efficiency ratio | 71.3004% | 1,794 |
| Assets per employee ($millions) | 10.0105% | 654 |
| Cash dividends to net income (ytd only)* | 315.7895% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7037% | 4,328 |
| Loan loss allowance to noncurrent loans | 326.7442% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,446 |
| Noncurrent loans to loans | 0.2154% | 2,643 |
| Net loans and leases to total assets | 24.7553% | 4,582 |
| Net loans and leases to deposits | 28.2239% | 4,582 |
| Net loans and leases to core deposits | 37.4113% | 4,395 |
| Total domestic deposits to total assets | 87.7104% | 2,690 |
| Equity capital to assets | 7.7812% | 3,285 |
| Core capital (leverage) ratio | 13.1719% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5324% | 231 |
| Memoranda: | ||
| Average total assets | $161,547,000 | 3,396 |
| Average earning assets | $151,568,333 | 3,382 |
| Average equity | $17,543,000 | 3,271 |
| Average total loans | $38,216,667 | 4,171 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6980% | 3,955 |
| Cost of funding earning assets | 0.1653% | 3,291 |
| Net interest margin | 2.5326% | 3,828 |
| Noninterest income to average assets | 0.3082% | 3,260 |
| Noninterest expense to average assets | 1.9330% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7545% | 2,832 |
| Return on assets (ROA) | 0.6460% | 3,223 |
| Pretax return on assets | 0.6460% | 3,521 |
| Return on Equity (ROE) | 5.2183% | 3,562 |
| Retained earnings to average equity (ytd only) | -27.4461% | 4,740 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9266% | 1,981 |
| Assets per employee ($millions) | 10.0846% | 664 |
| Cash dividends to net income (ytd only)* | 625.9542% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8358% | 4,186 |
| Loan loss allowance to noncurrent loans | 281.8182% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,378 |
| Noncurrent loans to loans | 0.2966% | 2,407 |
| Net loans and leases to total assets | 22.7941% | 4,633 |
| Net loans and leases to deposits | 25.5644% | 4,646 |
| Net loans and leases to core deposits | 33.2625% | 4,499 |
| Total domestic deposits to total assets | 89.1635% | 1,999 |
| Equity capital to assets | 10.3611% | 1,650 |
| Core capital (leverage) ratio | 13.3797% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1821% | 203 |
| Memoranda: | ||
| Average total assets | $162,236,500 | 3,405 |
| Average earning assets | $152,410,000 | 3,384 |
| Average equity | $20,083,000 | 3,138 |
| Average total loans | $37,359,500 | 4,202 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5745% | 4,428 |
| Cost of funding earning assets | 0.2764% | 2,635 |
| Net interest margin | 2.2980% | 4,413 |
| Noninterest income to average assets | 0.2683% | 3,782 |
| Noninterest expense to average assets | 1.7261% | 4,262 |
| Loan and lease loss provision to assets | 0.0299% | 2,461 |
| Net operating income to assets | 0.6727% | 3,691 |
| Return on assets (ROA) | 0.7761% | 3,471 |
| Pretax return on assets | 0.7761% | 3,775 |
| Return on Equity (ROE) | 5.4770% | 3,889 |
| Retained earnings to average equity (ytd only) | 4.1489% | 3,167 |
| Net charge-offs to loans | 0.0272% | 1,696 |
| Credit loss provision to net charge-offs | 500.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 117.6000% | 798 |
| Efficiency ratio | 71.0701% | 1,604 |
| Assets per employee ($millions) | 10.1950% | 630 |
| Cash dividends to net income (ytd only)* | 24.2494% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8238% | 4,228 |
| Loan loss allowance to noncurrent loans | 284.4037% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,500 |
| Noncurrent loans to loans | 0.2897% | 2,557 |
| Net loans and leases to total assets | 22.8789% | 4,674 |
| Net loans and leases to deposits | 26.8387% | 4,675 |
| Net loans and leases to core deposits | 32.4102% | 4,598 |
| Total domestic deposits to total assets | 85.2458% | 3,191 |
| Equity capital to assets | 14.3747% | 603 |
| Core capital (leverage) ratio | 14.3549% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6552% | 190 |
| Memoranda: | ||
| Average total assets | $167,375,200 | 3,324 |
| Average earning assets | $157,352,800 | 3,305 |
| Average equity | $23,717,400 | 2,930 |
| Average total loans | $36,774,200 | 4,252 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5529% | 4,537 |
| Cost of funding earning assets | 0.3150% | 2,455 |
| Net interest margin | 2.2379% | 4,538 |
| Noninterest income to average assets | 0.2573% | 3,855 |
| Noninterest expense to average assets | 1.6892% | 4,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6712% | 3,839 |
| Return on assets (ROA) | 0.8256% | 3,524 |
| Pretax return on assets | 0.8256% | 3,842 |
| Return on Equity (ROE) | 5.8467% | 3,954 |
| Retained earnings to average equity (ytd only) | 4.4173% | 3,438 |
| Net charge-offs to loans | 0.0182% | 1,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 169.6000% | 620 |
| Efficiency ratio | 71.5627% | 1,440 |
| Assets per employee ($millions) | 9.9782% | 642 |
| Cash dividends to net income (ytd only)* | 24.4487% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 4,434 |
| Loan loss allowance to noncurrent loans | 199.2481% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 3,540 |
| Noncurrent loans to loans | 0.3731% | 2,444 |
| Net loans and leases to total assets | 22.1615% | 4,767 |
| Net loans and leases to deposits | 26.2823% | 4,762 |
| Net loans and leases to core deposits | 32.0205% | 4,690 |
| Total domestic deposits to total assets | 84.3208% | 3,362 |
| Equity capital to assets | 15.0873% | 525 |
| Core capital (leverage) ratio | 13.8033% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4982% | 188 |
| Memoranda: | ||
| Average total assets | $168,439,000 | 3,350 |
| Average earning assets | $158,297,500 | 3,323 |
| Average equity | $23,784,750 | 2,959 |
| Average total loans | $36,560,250 | 4,311 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4824% | 4,629 |
| Cost of funding earning assets | 0.3454% | 2,359 |
| Net interest margin | 2.1369% | 4,636 |
| Noninterest income to average assets | 0.2498% | 3,907 |
| Noninterest expense to average assets | 1.6502% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6139% | 3,950 |
| Return on assets (ROA) | 0.7586% | 3,683 |
| Pretax return on assets | 0.7586% | 3,951 |
| Return on Equity (ROE) | 5.4889% | 4,035 |
| Retained earnings to average equity (ytd only) | 3.8423% | 3,571 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8866% | 1,344 |
| Assets per employee ($millions) | 10.7231% | 494 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7349% | 4,476 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 3,888 |
| Noncurrent loans to loans | 0.2450% | 3,070 |
| Net loans and leases to total assets | 21.2566% | 4,818 |
| Net loans and leases to deposits | 24.7827% | 4,824 |
| Net loans and leases to core deposits | 29.9511% | 4,775 |
| Total domestic deposits to total assets | 85.7720% | 2,813 |
| Equity capital to assets | 13.7396% | 766 |
| Core capital (leverage) ratio | 12.5328% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4870% | 241 |
| Memoranda: | ||
| Average total assets | $171,368,333 | 3,323 |
| Average earning assets | $161,538,667 | 3,296 |
| Average equity | $23,684,000 | 2,961 |
| Average total loans | $36,865,000 | 4,337 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4404% | 4,694 |
| Cost of funding earning assets | 0.3741% | 2,320 |
| Net interest margin | 2.0663% | 4,698 |
| Noninterest income to average assets | 0.2663% | 3,804 |
| Noninterest expense to average assets | 1.6068% | 4,521 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6072% | 3,924 |
| Return on assets (ROA) | 0.6983% | 3,771 |
| Pretax return on assets | 0.6983% | 4,022 |
| Return on Equity (ROE) | 5.0380% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.3531% | 3,674 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5738% | 1,444 |
| Assets per employee ($millions) | 10.5221% | 511 |
| Cash dividends to net income (ytd only)* | 33.4448% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 4,519 |
| Loan loss allowance to noncurrent loans | 540.0000% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 4,162 |
| Noncurrent loans to loans | 0.1352% | 3,636 |
| Net loans and leases to total assets | 20.5305% | 4,851 |
| Net loans and leases to deposits | 23.7868% | 4,856 |
| Net loans and leases to core deposits | 29.2181% | 4,823 |
| Total domestic deposits to total assets | 86.3106% | 2,619 |
| Equity capital to assets | 13.2959% | 835 |
| Core capital (leverage) ratio | 13.1018% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7002% | 242 |
| Memoranda: | ||
| Average total assets | $171,267,500 | 3,321 |
| Average earning assets | $161,450,500 | 3,295 |
| Average equity | $23,739,500 | 2,947 |
| Average total loans | $36,927,500 | 4,357 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9332% | 4,684 |
| Cost of funding earning assets | 0.6204% | 2,178 |
| Net interest margin | 2.3127% | 4,713 |
| Noninterest income to average assets | 0.2986% | 3,693 |
| Noninterest expense to average assets | 1.8245% | 4,435 |
| Loan and lease loss provision to assets | 0.0276% | 4,057 |
| Net operating income to assets | 0.6133% | 3,705 |
| Return on assets (ROA) | 0.7293% | 3,460 |
| Pretax return on assets | 0.7293% | 3,817 |
| Return on Equity (ROE) | 4.9927% | 3,907 |
| Retained earnings to average equity (ytd only) | 3.7423% | 2,956 |
| Net charge-offs to loans | 0.0480% | 2,110 |
| Credit loss provision to net charge-offs | 252.9412% | 1,925 |
| Earnings coverage of net charge-offs (x) | 58.8235% | 1,080 |
| Efficiency ratio | 74.0057% | 1,440 |
| Assets per employee ($millions) | 9.6271% | 595 |
| Cash dividends to net income (ytd only)* | 25.0439% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7325% | 4,537 |
| Loan loss allowance to noncurrent loans | 750.0000% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 4,284 |
| Noncurrent loans to loans | 0.0977% | 3,904 |
| Net loans and leases to total assets | 22.3579% | 4,870 |
| Net loans and leases to deposits | 26.2625% | 4,874 |
| Net loans and leases to core deposits | 33.3841% | 4,818 |
| Total domestic deposits to total assets | 85.1326% | 2,707 |
| Equity capital to assets | 14.4788% | 683 |
| Core capital (leverage) ratio | 13.7589% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7583% | 219 |
| Memoranda: | ||
| Average total assets | $156,043,400 | 3,329 |
| Average earning assets | $146,189,800 | 3,311 |
| Average equity | $22,793,200 | 2,951 |
| Average total loans | $35,396,800 | 4,398 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0170% | 4,722 |
| Cost of funding earning assets | 0.6808% | 2,139 |
| Net interest margin | 2.3362% | 4,762 |
| Noninterest income to average assets | 0.3097% | 3,639 |
| Noninterest expense to average assets | 1.8424% | 4,420 |
| Loan and lease loss provision to assets | 0.0201% | 4,084 |
| Net operating income to assets | 0.6349% | 3,681 |
| Return on assets (ROA) | 0.7915% | 3,241 |
| Pretax return on assets | 0.7915% | 3,668 |
| Return on Equity (ROE) | 5.4059% | 3,751 |
| Retained earnings to average equity (ytd only) | 4.0766% | 3,006 |
| Net charge-offs to loans | 0.0076% | 2,849 |
| Credit loss provision to net charge-offs | 1,150.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 378.5000% | 304 |
| Efficiency ratio | 73.7790% | 1,428 |
| Assets per employee ($millions) | 8.8755% | 722 |
| Cash dividends to net income (ytd only)* | 24.5902% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7022% | 4,581 |
| Loan loss allowance to noncurrent loans | 425.8065% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 4,261 |
| Noncurrent loans to loans | 0.1649% | 3,722 |
| Net loans and leases to total assets | 23.3671% | 4,899 |
| Net loans and leases to deposits | 27.6516% | 4,903 |
| Net loans and leases to core deposits | 34.4901% | 4,865 |
| Total domestic deposits to total assets | 84.5054% | 2,631 |
| Equity capital to assets | 14.9062% | 656 |
| Core capital (leverage) ratio | 13.9329% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8370% | 227 |
| Memoranda: | ||
| Average total assets | $154,139,250 | 3,332 |
| Average earning assets | $144,331,750 | 3,318 |
| Average equity | $22,567,500 | 2,973 |
| Average total loans | $35,030,750 | 4,437 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1235% | 4,776 |
| Cost of funding earning assets | 0.7367% | 2,192 |
| Net interest margin | 2.3868% | 4,801 |
| Noninterest income to average assets | 0.2942% | 3,706 |
| Noninterest expense to average assets | 1.8258% | 4,526 |
| Loan and lease loss provision to assets | 0.0013% | 4,131 |
| Net operating income to assets | 0.7014% | 3,389 |
| Return on assets (ROA) | 0.8892% | 2,853 |
| Pretax return on assets | 0.8892% | 3,342 |
| Return on Equity (ROE) | 6.1123% | 3,466 |
| Retained earnings to average equity (ytd only) | 4.6226% | 2,652 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2078% | 1,653 |
| Assets per employee ($millions) | 8.8401% | 712 |
| Cash dividends to net income (ytd only)* | 24.3722% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6973% | 4,569 |
| Loan loss allowance to noncurrent loans | 739.3939% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,452 |
| Noncurrent loans to loans | 0.0943% | 4,084 |
| Net loans and leases to total assets | 21.8368% | 4,943 |
| Net loans and leases to deposits | 25.7930% | 4,955 |
| Net loans and leases to core deposits | 30.3128% | 4,934 |
| Total domestic deposits to total assets | 84.6620% | 2,514 |
| Equity capital to assets | 14.8019% | 667 |
| Core capital (leverage) ratio | 13.7951% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5684% | 249 |
| Memoranda: | ||
| Average total assets | $152,266,000 | 3,332 |
| Average earning assets | $142,532,667 | 3,314 |
| Average equity | $22,152,000 | 2,989 |
| Average total loans | $34,176,000 | 4,473 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2465% | 4,845 |
| Cost of funding earning assets | 0.8224% | 2,262 |
| Net interest margin | 2.4241% | 4,862 |
| Noninterest income to average assets | 0.3467% | 3,441 |
| Noninterest expense to average assets | 1.8544% | 4,603 |
| Loan and lease loss provision to assets | 0.0027% | 3,699 |
| Net operating income to assets | 0.7552% | 3,079 |
| Return on assets (ROA) | -0.6907% | 4,937 |
| Pretax return on assets | -0.6907% | 4,921 |
| Return on Equity (ROE) | -4.7922% | 4,916 |
| Retained earnings to average equity (ytd only) | -5.9110% | 4,582 |
| Net charge-offs to loans | 0.0118% | 2,156 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 252 |
| Efficiency ratio | 70.9877% | 2,221 |
| Assets per employee ($millions) | 8.4342% | 637 |
| Cash dividends to net income (ytd only)* | -23.3463% | 5,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 4,592 |
| Loan loss allowance to noncurrent loans | 23.7769% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 1,978 |
| Noncurrent loans to loans | 2.9830% | 363 |
| Net loans and leases to total assets | 22.4075% | 4,990 |
| Net loans and leases to deposits | 26.3049% | 5,002 |
| Net loans and leases to core deposits | 31.5022% | 4,973 |
| Total domestic deposits to total assets | 85.1839% | 2,341 |
| Equity capital to assets | 14.1719% | 1,009 |
| Core capital (leverage) ratio | 14.0197% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0175% | 2,278 |
| Memoranda: | ||
| Average total assets | $148,838,500 | 3,339 |
| Average earning assets | $139,104,500 | 3,322 |
| Average equity | $21,451,500 | 3,031 |
| Average total loans | $33,768,500 | 4,510 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2220% | 4,990 |
| Cost of funding earning assets | 0.8072% | 2,646 |
| Net interest margin | 2.4148% | 5,007 |
| Noninterest income to average assets | 0.3347% | 3,707 |
| Noninterest expense to average assets | 1.8556% | 4,707 |
| Loan and lease loss provision to assets | 0.0428% | 3,151 |
| Net operating income to assets | 0.6804% | 3,926 |
| Return on assets (ROA) | 0.7481% | 3,788 |
| Pretax return on assets | 0.7481% | 4,089 |
| Return on Equity (ROE) | 5.4053% | 4,102 |
| Retained earnings to average equity (ytd only) | 4.0440% | 2,939 |
| Net charge-offs to loans | 0.1256% | 1,509 |
| Credit loss provision to net charge-offs | 158.9744% | 1,621 |
| Earnings coverage of net charge-offs (x) | 26.8718% | 1,683 |
| Efficiency ratio | 71.9561% | 1,877 |
| Assets per employee ($millions) | 8.5801% | 575 |
| Cash dividends to net income (ytd only)* | 25.1845% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 4,506 |
| Loan loss allowance to noncurrent loans | 3,037.5000% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,653 |
| Noncurrent loans to loans | 0.0240% | 4,469 |
| Net loans and leases to total assets | 22.6467% | 5,050 |
| Net loans and leases to deposits | 26.6561% | 5,059 |
| Net loans and leases to core deposits | 32.0618% | 5,033 |
| Total domestic deposits to total assets | 84.9591% | 2,509 |
| Equity capital to assets | 14.6632% | 876 |
| Core capital (leverage) ratio | 14.4970% | 802 |
| Tier 1 risk-based capital ratio | 32.7700% | 391 |
| Total risk-based capital ratio | 33.1450% | 411 |
| Memoranda: | ||
| Average total assets | $144,909,600 | 3,368 |
| Average earning assets | $134,669,000 | 3,356 |
| Average equity | $20,054,400 | 3,126 |
| Average total loans | $31,044,600 | 4,619 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2048% | 5,094 |
| Cost of funding earning assets | 0.8367% | 2,527 |
| Net interest margin | 2.3681% | 5,114 |
| Noninterest income to average assets | 0.3401% | 3,692 |
| Noninterest expense to average assets | 1.8220% | 4,789 |
| Loan and lease loss provision to assets | 0.0571% | 2,752 |
| Net operating income to assets | 0.6599% | 4,132 |
| Return on assets (ROA) | 0.6875% | 4,109 |
| Pretax return on assets | 0.6875% | 4,373 |
| Return on Equity (ROE) | 5.0436% | 4,314 |
| Retained earnings to average equity (ytd only) | 3.5968% | 3,602 |
| Net charge-offs to loans | 0.1662% | 1,013 |
| Credit loss provision to net charge-offs | 163.1579% | 1,532 |
| Earnings coverage of net charge-offs (x) | 20.4719% | 1,955 |
| Efficiency ratio | 71.7604% | 1,876 |
| Assets per employee ($millions) | 8.7144% | 529 |
| Cash dividends to net income (ytd only)* | 28.6868% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7484% | 4,550 |
| Loan loss allowance to noncurrent loans | 1,626.6667% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 4,711 |
| Noncurrent loans to loans | 0.0460% | 4,444 |
| Net loans and leases to total assets | 21.8423% | 5,145 |
| Net loans and leases to deposits | 25.6571% | 5,153 |
| Net loans and leases to core deposits | 31.8952% | 5,120 |
| Total domestic deposits to total assets | 85.1314% | 2,377 |
| Equity capital to assets | 14.2956% | 1,042 |
| Core capital (leverage) ratio | 14.4533% | 866 |
| Tier 1 risk-based capital ratio | 32.0391% | 427 |
| Total risk-based capital ratio | 32.4123% | 441 |
| Memoranda: | ||
| Average total assets | $144,671,500 | 3,401 |
| Average earning assets | $134,335,500 | 3,394 |
| Average equity | $19,721,000 | 3,179 |
| Average total loans | $30,486,750 | 4,692 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2101% | 5,150 |
| Cost of funding earning assets | 0.8423% | 2,435 |
| Net interest margin | 2.3678% | 5,173 |
| Noninterest income to average assets | 0.3470% | 3,612 |
| Noninterest expense to average assets | 1.8479% | 4,815 |
| Loan and lease loss provision to assets | 0.0028% | 3,649 |
| Net operating income to assets | 0.6940% | 4,024 |
| Return on assets (ROA) | 0.7052% | 4,043 |
| Pretax return on assets | 0.7052% | 4,320 |
| Return on Equity (ROE) | 5.2612% | 4,274 |
| Retained earnings to average equity (ytd only) | 3.6599% | 3,423 |
| Net charge-offs to loans | 0.0739% | 1,630 |
| Credit loss provision to net charge-offs | 18.1818% | 2,667 |
| Earnings coverage of net charge-offs (x) | 45.4545% | 1,167 |
| Efficiency ratio | 72.6177% | 1,822 |
| Assets per employee ($millions) | 8.4082% | 580 |
| Cash dividends to net income (ytd only)* | 30.4348% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6666% | 4,764 |
| Loan loss allowance to noncurrent loans | 570.2703% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 4,649 |
| Noncurrent loans to loans | 0.1169% | 4,152 |
| Net loans and leases to total assets | 21.9968% | 5,191 |
| Net loans and leases to deposits | 25.8850% | 5,203 |
| Net loans and leases to core deposits | 30.9886% | 5,174 |
| Total domestic deposits to total assets | 84.9789% | 2,487 |
| Equity capital to assets | 14.4957% | 947 |
| Core capital (leverage) ratio | 14.3911% | 855 |
| Tier 1 risk-based capital ratio | 33.2363% | 386 |
| Total risk-based capital ratio | 33.5739% | 405 |
| Memoranda: | ||
| Average total assets | $143,514,000 | 3,441 |
| Average earning assets | $133,206,330 | 3,438 |
| Average equity | $19,235,330 | 3,226 |
| Average total loans | $29,781,670 | 4,744 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1324% | 5,231 |
| Cost of funding earning assets | 0.8303% | 2,369 |
| Net interest margin | 2.3021% | 5,254 |
| Noninterest income to average assets | 0.3505% | 3,515 |
| Noninterest expense to average assets | 1.8637% | 4,845 |
| Loan and lease loss provision to assets | 0.0028% | 3,381 |
| Net operating income to assets | 0.6203% | 4,179 |
| Return on assets (ROA) | 0.6203% | 4,219 |
| Pretax return on assets | 0.6203% | 4,472 |
| Return on Equity (ROE) | 4.8234% | 4,375 |
| Retained earnings to average equity (ytd only) | 3.5257% | 3,500 |
| Net charge-offs to loans | 0.1387% | 916 |
| Credit loss provision to net charge-offs | 10.0000% | 2,182 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,501 |
| Efficiency ratio | 74.9441% | 1,616 |
| Assets per employee ($millions) | 8.0714% | 658 |
| Cash dividends to net income (ytd only)* | 26.9058% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7210% | 4,732 |
| Loan loss allowance to noncurrent loans | 141.6107% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 4,302 |
| Noncurrent loans to loans | 0.5092% | 2,786 |
| Net loans and leases to total assets | 19.9971% | 5,261 |
| Net loans and leases to deposits | 23.6553% | 5,263 |
| Net loans and leases to core deposits | 27.7276% | 5,247 |
| Total domestic deposits to total assets | 84.5353% | 2,837 |
| Equity capital to assets | 13.0666% | 1,412 |
| Core capital (leverage) ratio | 14.5794% | 794 |
| Tier 1 risk-based capital ratio | 33.7664% | 360 |
| Total risk-based capital ratio | 34.1126% | 384 |
| Memoranda: | ||
| Average total assets | $143,801,500 | 3,469 |
| Average earning assets | $133,445,000 | 3,464 |
| Average equity | $18,493,000 | 3,314 |
| Average total loans | $28,846,000 | 4,817 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9832% | 5,240 |
| Cost of funding earning assets | 0.7129% | 2,005 |
| Net interest margin | 2.2703% | 5,292 |
| Noninterest income to average assets | 0.3730% | 3,597 |
| Noninterest expense to average assets | 1.9990% | 4,754 |
| Loan and lease loss provision to assets | 0.0064% | 3,991 |
| Net operating income to assets | 0.4799% | 4,702 |
| Return on assets (ROA) | 0.4856% | 4,689 |
| Pretax return on assets | 0.4856% | 4,818 |
| Return on Equity (ROE) | 3.7996% | 4,758 |
| Retained earnings to average equity (ytd only) | 1.9275% | 4,376 |
| Net charge-offs to loans | 0.0576% | 2,318 |
| Credit loss provision to net charge-offs | 56.2500% | 3,137 |
| Earnings coverage of net charge-offs (x) | 42.9375% | 1,251 |
| Efficiency ratio | 80.4329% | 921 |
| Assets per employee ($millions) | 8.3716% | 587 |
| Cash dividends to net income (ytd only)* | 49.2711% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 4,617 |
| Loan loss allowance to noncurrent loans | 97.3451% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 4,032 |
| Noncurrent loans to loans | 0.7950% | 2,016 |
| Net loans and leases to total assets | 19.8205% | 5,308 |
| Net loans and leases to deposits | 23.1429% | 5,311 |
| Net loans and leases to core deposits | 29.2208% | 5,285 |
| Total domestic deposits to total assets | 85.6440% | 2,381 |
| Equity capital to assets | 12.6492% | 1,511 |
| Core capital (leverage) ratio | 14.6382% | 768 |
| Tier 1 risk-based capital ratio | 34.5902% | 328 |
| Total risk-based capital ratio | 34.9629% | 342 |
| Memoranda: | ||
| Average total assets | $141,270,400 | 3,485 |
| Average earning assets | $131,437,600 | 3,477 |
| Average equity | $18,054,400 | 3,293 |
| Average total loans | $27,799,800 | 4,869 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9284% | 5,316 |
| Cost of funding earning assets | 0.6537% | 2,129 |
| Net interest margin | 2.2747% | 5,359 |
| Noninterest income to average assets | 0.3820% | 3,592 |
| Noninterest expense to average assets | 1.8778% | 4,942 |
| Loan and lease loss provision to assets | 0.0057% | 3,864 |
| Net operating income to assets | 0.6174% | 4,457 |
| Return on assets (ROA) | 0.6250% | 4,449 |
| Pretax return on assets | 0.6250% | 4,686 |
| Return on Equity (ROE) | 4.8779% | 4,603 |
| Retained earnings to average equity (ytd only) | 3.1142% | 4,192 |
| Net charge-offs to loans | 0.0434% | 2,228 |
| Credit loss provision to net charge-offs | 66.6667% | 2,665 |
| Earnings coverage of net charge-offs (x) | 73.2200% | 928 |
| Efficiency ratio | 75.0851% | 1,449 |
| Assets per employee ($millions) | 7.9144% | 669 |
| Cash dividends to net income (ytd only)* | 36.1575% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8169% | 4,556 |
| Loan loss allowance to noncurrent loans | 134.1317% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 4,389 |
| Noncurrent loans to loans | 0.6090% | 2,559 |
| Net loans and leases to total assets | 19.0911% | 5,386 |
| Net loans and leases to deposits | 23.9767% | 5,382 |
| Net loans and leases to core deposits | 28.6985% | 5,359 |
| Total domestic deposits to total assets | 79.6236% | 4,192 |
| Equity capital to assets | 12.4878% | 1,596 |
| Core capital (leverage) ratio | 14.2426% | 876 |
| Tier 1 risk-based capital ratio | 35.2299% | 320 |
| Total risk-based capital ratio | 35.6150% | 330 |
| Memoranda: | ||
| Average total assets | $141,008,750 | 3,530 |
| Average earning assets | $131,352,250 | 3,513 |
| Average equity | $18,067,500 | 3,312 |
| Average total loans | $27,642,750 | 4,925 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9057% | 5,368 |
| Cost of funding earning assets | 0.5976% | 2,241 |
| Net interest margin | 2.3081% | 5,413 |
| Noninterest income to average assets | 0.3843% | 3,591 |
| Noninterest expense to average assets | 1.8972% | 4,963 |
| Loan and lease loss provision to assets | 0.0071% | 3,695 |
| Net operating income to assets | 0.6291% | 4,408 |
| Return on assets (ROA) | 0.6405% | 4,384 |
| Pretax return on assets | 0.6405% | 4,663 |
| Return on Equity (ROE) | 4.9559% | 4,561 |
| Retained earnings to average equity (ytd only) | 2.9956% | 4,059 |
| Net charge-offs to loans | 0.0577% | 1,778 |
| Credit loss provision to net charge-offs | 62.5000% | 2,410 |
| Earnings coverage of net charge-offs (x) | 55.8750% | 1,048 |
| Efficiency ratio | 74.8876% | 1,584 |
| Assets per employee ($millions) | 7.8222% | 670 |
| Cash dividends to net income (ytd only)* | 39.5556% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 4,554 |
| Loan loss allowance to noncurrent loans | 150.3356% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 4,461 |
| Noncurrent loans to loans | 0.5650% | 2,726 |
| Net loans and leases to total assets | 18.5717% | 5,450 |
| Net loans and leases to deposits | 22.8132% | 5,452 |
| Net loans and leases to core deposits | 25.9825% | 5,434 |
| Total domestic deposits to total assets | 81.4077% | 3,890 |
| Equity capital to assets | 12.7095% | 1,435 |
| Core capital (leverage) ratio | 14.2602% | 834 |
| Tier 1 risk-based capital ratio | 35.3956% | 323 |
| Total risk-based capital ratio | 35.7854% | 335 |
| Memoranda: | ||
| Average total assets | $140,525,330 | 3,564 |
| Average earning assets | $130,846,000 | 3,540 |
| Average equity | $18,160,000 | 3,315 |
| Average total loans | $27,716,670 | 4,975 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8381% | 5,438 |
| Cost of funding earning assets | 0.6055% | 2,022 |
| Net interest margin | 2.2325% | 5,493 |
| Noninterest income to average assets | 0.4046% | 3,429 |
| Noninterest expense to average assets | 2.0002% | 4,850 |
| Loan and lease loss provision to assets | 0.0057% | 3,432 |
| Net operating income to assets | 0.4787% | 4,743 |
| Return on assets (ROA) | 0.5015% | 4,695 |
| Pretax return on assets | 0.5015% | 4,867 |
| Return on Equity (ROE) | 3.8486% | 4,803 |
| Retained earnings to average equity (ytd only) | 2.2086% | 4,288 |
| Net charge-offs to loans | 0.0282% | 1,933 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 678 |
| Efficiency ratio | 80.5046% | 1,088 |
| Assets per employee ($millions) | 7.3574% | 825 |
| Cash dividends to net income (ytd only)* | 42.6136% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 4,777 |
| Loan loss allowance to noncurrent loans | 157.6389% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 4,563 |
| Noncurrent loans to loans | 0.5118% | 2,984 |
| Net loans and leases to total assets | 19.9635% | 5,508 |
| Net loans and leases to deposits | 22.9988% | 5,510 |
| Net loans and leases to core deposits | 27.4133% | 5,481 |
| Total domestic deposits to total assets | 86.8023% | 2,204 |
| Equity capital to assets | 12.8157% | 1,332 |
| Core capital (leverage) ratio | 14.1006% | 855 |
| Tier 1 risk-based capital ratio | 34.5925% | 335 |
| Total risk-based capital ratio | 34.9817% | 352 |
| Memoranda: | ||
| Average total assets | $140,388,000 | 3,598 |
| Average earning assets | $130,793,000 | 3,579 |
| Average equity | $18,292,500 | 3,326 |
| Average total loans | $28,388,500 | 5,009 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7986% | 5,462 |
| Cost of funding earning assets | 0.5726% | 1,804 |
| Net interest margin | 2.2260% | 5,528 |
| Noninterest income to average assets | 0.3337% | 4,078 |
| Noninterest expense to average assets | 1.8502% | 5,196 |
| Loan and lease loss provision to assets | 0.1438% | 1,582 |
| Net operating income to assets | 0.4198% | 4,623 |
| Return on assets (ROA) | 0.4653% | 4,508 |
| Pretax return on assets | 0.4653% | 4,983 |
| Return on Equity (ROE) | 3.6353% | 4,636 |
| Retained earnings to average equity (ytd only) | 1.3460% | 4,466 |
| Net charge-offs to loans | 0.5584% | 414 |
| Credit loss provision to net charge-offs | 138.5621% | 1,907 |
| Earnings coverage of net charge-offs (x) | 5.4314% | 3,329 |
| Efficiency ratio | 76.6507% | 1,527 |
| Assets per employee ($millions) | 7.4203% | 801 |
| Cash dividends to net income (ytd only)* | 62.9738% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 4,849 |
| Loan loss allowance to noncurrent loans | 111.8227% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 4,426 |
| Noncurrent loans to loans | 0.7087% | 2,433 |
| Net loans and leases to total assets | 20.1552% | 5,572 |
| Net loans and leases to deposits | 23.3101% | 5,577 |
| Net loans and leases to core deposits | 30.1560% | 5,530 |
| Total domestic deposits to total assets | 86.4653% | 2,243 |
| Equity capital to assets | 13.2424% | 1,151 |
| Core capital (leverage) ratio | 13.8545% | 869 |
| Tier 1 risk-based capital ratio | 34.0821% | 344 |
| Total risk-based capital ratio | 34.4675% | 358 |
| Memoranda: | ||
| Average total assets | $147,442,000 | 3,499 |
| Average earning assets | $137,783,200 | 3,481 |
| Average equity | $18,870,400 | 3,256 |
| Average total loans | $27,399,200 | 5,078 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7750% | 5,528 |
| Cost of funding earning assets | 0.5514% | 1,882 |
| Net interest margin | 2.2237% | 5,597 |
| Noninterest income to average assets | 0.3301% | 4,173 |
| Noninterest expense to average assets | 1.8024% | 5,269 |
| Loan and lease loss provision to assets | 0.0089% | 3,952 |
| Net operating income to assets | 0.6002% | 4,395 |
| Return on assets (ROA) | 0.6601% | 4,208 |
| Pretax return on assets | 0.6601% | 4,704 |
| Return on Equity (ROE) | 5.2006% | 4,446 |
| Retained earnings to average equity (ytd only) | 2.5792% | 4,340 |
| Net charge-offs to loans | -0.0049% | 4,454 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7404% | 1,785 |
| Assets per employee ($millions) | 7.6872% | 707 |
| Cash dividends to net income (ytd only)* | 50.4065% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6370% | 5,258 |
| Loan loss allowance to noncurrent loans | 128.7770% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 4,764 |
| Noncurrent loans to loans | 0.4946% | 3,214 |
| Net loans and leases to total assets | 19.1173% | 5,641 |
| Net loans and leases to deposits | 24.9850% | 5,629 |
| Net loans and leases to core deposits | 31.8512% | 5,580 |
| Total domestic deposits to total assets | 76.5152% | 4,953 |
| Equity capital to assets | 13.4763% | 1,165 |
| Core capital (leverage) ratio | 13.7501% | 959 |
| Tier 1 risk-based capital ratio | 34.4961% | 337 |
| Total risk-based capital ratio | 34.8020% | 357 |
| Memoranda: | ||
| Average total assets | $149,056,000 | 3,515 |
| Average earning assets | $139,525,500 | 3,489 |
| Average equity | $18,920,500 | 3,282 |
| Average total loans | $27,088,250 | 5,150 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7632% | 5,574 |
| Cost of funding earning assets | 0.5293% | 1,924 |
| Net interest margin | 2.2339% | 5,640 |
| Noninterest income to average assets | 0.3305% | 4,178 |
| Noninterest expense to average assets | 1.8540% | 5,252 |
| Loan and lease loss provision to assets | 0.0133% | 3,686 |
| Net operating income to assets | 0.5558% | 4,495 |
| Return on assets (ROA) | 0.6104% | 4,299 |
| Pretax return on assets | 0.6104% | 4,777 |
| Return on Equity (ROE) | 4.9072% | 4,512 |
| Retained earnings to average equity (ytd only) | 1.6179% | 4,609 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5127% | 1,643 |
| Assets per employee ($millions) | 7.7168% | 687 |
| Cash dividends to net income (ytd only)* | 67.0306% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6442% | 5,314 |
| Loan loss allowance to noncurrent loans | 129.9270% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 4,815 |
| Noncurrent loans to loans | 0.4958% | 3,267 |
| Net loans and leases to total assets | 18.7239% | 5,690 |
| Net loans and leases to deposits | 24.4363% | 5,681 |
| Net loans and leases to core deposits | 30.9263% | 5,633 |
| Total domestic deposits to total assets | 76.6232% | 5,012 |
| Equity capital to assets | 13.2860% | 1,237 |
| Core capital (leverage) ratio | 13.5026% | 997 |
| Tier 1 risk-based capital ratio | 34.9979% | 307 |
| Total risk-based capital ratio | 35.3024% | 323 |
| Memoranda: | ||
| Average total assets | $150,056,000 | 3,518 |
| Average earning assets | $140,562,330 | 3,485 |
| Average equity | $18,666,330 | 3,309 |
| Average total loans | $26,750,670 | 5,196 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6824% | 5,650 |
| Cost of funding earning assets | 0.5258% | 1,894 |
| Net interest margin | 2.1566% | 5,721 |
| Noninterest income to average assets | 0.3347% | 4,164 |
| Noninterest expense to average assets | 1.8343% | 5,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5218% | 4,510 |
| Return on assets (ROA) | 0.6299% | 4,063 |
| Pretax return on assets | 0.6299% | 4,658 |
| Return on Equity (ROE) | 5.2356% | 4,285 |
| Retained earnings to average equity (ytd only) | 2.0154% | 4,334 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8523% | 1,650 |
| Assets per employee ($millions) | 8.2756% | 548 |
| Cash dividends to net income (ytd only)* | 61.5063% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6168% | 5,453 |
| Loan loss allowance to noncurrent loans | 442.1053% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 5,231 |
| Noncurrent loans to loans | 0.1395% | 4,638 |
| Net loans and leases to total assets | 17.2155% | 5,770 |
| Net loans and leases to deposits | 19.6009% | 5,772 |
| Net loans and leases to core deposits | 24.2070% | 5,747 |
| Total domestic deposits to total assets | 87.8304% | 1,810 |
| Equity capital to assets | 11.8904% | 1,913 |
| Core capital (leverage) ratio | 12.8865% | 1,191 |
| Tier 1 risk-based capital ratio | 32.9892% | 377 |
| Total risk-based capital ratio | 33.2676% | 407 |
| Memoranda: | ||
| Average total assets | $151,774,000 | 3,532 |
| Average earning assets | $142,258,500 | 3,491 |
| Average equity | $18,259,500 | 3,380 |
| Average total loans | $26,310,500 | 5,261 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6561% | 5,707 |
| Cost of funding earning assets | 0.4760% | 2,299 |
| Net interest margin | 2.1801% | 5,758 |
| Noninterest income to average assets | 0.3039% | 4,569 |
| Noninterest expense to average assets | 1.7703% | 5,502 |
| Loan and lease loss provision to assets | 0.0184% | 4,008 |
| Net operating income to assets | 0.5548% | 4,414 |
| Return on assets (ROA) | 0.8865% | 3,012 |
| Pretax return on assets | 0.8865% | 3,888 |
| Return on Equity (ROE) | 6.6490% | 3,667 |
| Retained earnings to average equity (ytd only) | 4.3035% | 2,839 |
| Net charge-offs to loans | 0.0737% | 2,644 |
| Credit loss provision to net charge-offs | 150.0000% | 1,823 |
| Earnings coverage of net charge-offs (x) | 46.8333% | 1,052 |
| Efficiency ratio | 75.5440% | 2,058 |
| Assets per employee ($millions) | 8.1284% | 574 |
| Cash dividends to net income (ytd only)* | 35.2761% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6618% | 5,427 |
| Loan loss allowance to noncurrent loans | 600.0000% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 5,314 |
| Noncurrent loans to loans | 0.1103% | 4,788 |
| Net loans and leases to total assets | 17.2344% | 5,827 |
| Net loans and leases to deposits | 19.6771% | 5,832 |
| Net loans and leases to core deposits | 24.6814% | 5,802 |
| Total domestic deposits to total assets | 87.5861% | 1,836 |
| Equity capital to assets | 12.1815% | 1,690 |
| Core capital (leverage) ratio | 13.5031% | 965 |
| Tier 1 risk-based capital ratio | 34.8167% | 323 |
| Total risk-based capital ratio | 35.1118% | 343 |
| Memoranda: | ||
| Average total assets | $147,091,800 | 3,562 |
| Average earning assets | $137,609,000 | 3,523 |
| Average equity | $19,612,000 | 3,206 |
| Average total loans | $24,408,000 | 5,378 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6424% | 5,782 |
| Cost of funding earning assets | 0.4733% | 2,337 |
| Net interest margin | 2.1691% | 5,832 |
| Noninterest income to average assets | 0.3005% | 4,617 |
| Noninterest expense to average assets | 1.7236% | 5,594 |
| Loan and lease loss provision to assets | 0.0226% | 3,792 |
| Net operating income to assets | 0.5830% | 4,358 |
| Return on assets (ROA) | 0.9315% | 2,870 |
| Pretax return on assets | 0.9315% | 3,870 |
| Return on Equity (ROE) | 6.8396% | 3,646 |
| Retained earnings to average equity (ytd only) | 4.4467% | 3,167 |
| Net charge-offs to loans | 0.0276% | 3,117 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 133.7301% | 510 |
| Efficiency ratio | 73.9992% | 2,287 |
| Assets per employee ($millions) | 8.1749% | 543 |
| Cash dividends to net income (ytd only)* | 34.9855% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7053% | 5,418 |
| Loan loss allowance to noncurrent loans | 389.1304% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 5,372 |
| Noncurrent loans to loans | 0.1813% | 4,626 |
| Net loans and leases to total assets | 17.1255% | 5,894 |
| Net loans and leases to deposits | 20.5869% | 5,896 |
| Net loans and leases to core deposits | 25.2697% | 5,870 |
| Total domestic deposits to total assets | 83.1864% | 3,521 |
| Equity capital to assets | 13.9281% | 1,068 |
| Core capital (leverage) ratio | 13.4401% | 1,022 |
| Tier 1 risk-based capital ratio | 34.8595% | 339 |
| Total risk-based capital ratio | 35.1772% | 354 |
| Memoranda: | ||
| Average total assets | $147,286,750 | 3,578 |
| Average earning assets | $137,750,750 | 3,547 |
| Average equity | $20,059,250 | 3,187 |
| Average total loans | $24,164,000 | 5,439 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6309% | 5,861 |
| Cost of funding earning assets | 0.4721% | 2,351 |
| Net interest margin | 2.1587% | 5,915 |
| Noninterest income to average assets | 0.2932% | 4,687 |
| Noninterest expense to average assets | 1.6982% | 5,690 |
| Loan and lease loss provision to assets | 0.0339% | 3,474 |
| Net operating income to assets | 0.5783% | 4,360 |
| Return on assets (ROA) | 1.0480% | 2,316 |
| Pretax return on assets | 1.0480% | 3,404 |
| Return on Equity (ROE) | 7.7533% | 3,114 |
| Retained earnings to average equity (ytd only) | 5.1421% | 2,635 |
| Net charge-offs to loans | 0.0421% | 2,621 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 90.2000% | 634 |
| Efficiency ratio | 73.5018% | 2,431 |
| Assets per employee ($millions) | 8.3372% | 503 |
| Cash dividends to net income (ytd only)* | 33.6788% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7223% | 5,477 |
| Loan loss allowance to noncurrent loans | 5,966.6667% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,637 |
| Noncurrent loans to loans | 0.0121% | 5,451 |
| Net loans and leases to total assets | 16.3945% | 5,976 |
| Net loans and leases to deposits | 19.8298% | 5,975 |
| Net loans and leases to core deposits | 22.1691% | 5,965 |
| Total domestic deposits to total assets | 82.6760% | 3,769 |
| Equity capital to assets | 13.4385% | 1,265 |
| Core capital (leverage) ratio | 13.1166% | 1,112 |
| Tier 1 risk-based capital ratio | 33.9992% | 362 |
| Total risk-based capital ratio | 34.3115% | 376 |
| Memoranda: | ||
| Average total assets | $147,332,670 | 3,599 |
| Average earning assets | $137,674,000 | 3,571 |
| Average equity | $19,914,000 | 3,209 |
| Average total loans | $23,759,000 | 5,511 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6469% | 5,922 |
| Cost of funding earning assets | 0.4773% | 2,307 |
| Net interest margin | 2.1697% | 5,975 |
| Noninterest income to average assets | 0.2987% | 4,593 |
| Noninterest expense to average assets | 1.6196% | 5,816 |
| Loan and lease loss provision to assets | 0.0685% | 2,583 |
| Net operating income to assets | 0.6413% | 4,015 |
| Return on assets (ROA) | 1.1564% | 1,803 |
| Pretax return on assets | 1.1564% | 2,867 |
| Return on Equity (ROE) | 8.5306% | 2,649 |
| Retained earnings to average equity (ytd only) | 6.3070% | 2,228 |
| Net charge-offs to loans | 0.0860% | 1,636 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 51.8000% | 866 |
| Efficiency ratio | 69.5294% | 3,210 |
| Assets per employee ($millions) | 8.1504% | 531 |
| Cash dividends to net income (ytd only)* | 26.0664% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 5,416 |
| Loan loss allowance to noncurrent loans | 1,376.9231% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 5,639 |
| Noncurrent loans to loans | 0.0568% | 5,255 |
| Net loans and leases to total assets | 15.4750% | 6,035 |
| Net loans and leases to deposits | 17.9767% | 6,041 |
| Net loans and leases to core deposits | 22.2736% | 6,015 |
| Total domestic deposits to total assets | 86.0832% | 2,640 |
| Equity capital to assets | 13.6816% | 1,100 |
| Core capital (leverage) ratio | 12.9159% | 1,191 |
| Tier 1 risk-based capital ratio | 34.9644% | 334 |
| Total risk-based capital ratio | 35.2889% | 360 |
| Memoranda: | ||
| Average total assets | $145,964,500 | 3,637 |
| Average earning assets | $136,611,000 | 3,603 |
| Average equity | $19,787,500 | 3,226 |
| Average total loans | $23,247,500 | 5,574 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6118% | 5,960 |
| Cost of funding earning assets | 0.4639% | 2,496 |
| Net interest margin | 2.1479% | 6,006 |
| Noninterest income to average assets | 0.3645% | 4,296 |
| Noninterest expense to average assets | 1.6614% | 5,880 |
| Loan and lease loss provision to assets | 0.0014% | 4,361 |
| Net operating income to assets | 0.7085% | 3,771 |
| Return on assets (ROA) | 0.7085% | 3,881 |
| Pretax return on assets | 0.7085% | 4,513 |
| Return on Equity (ROE) | 5.3547% | 4,346 |
| Retained earnings to average equity (ytd only) | 3.1364% | 3,822 |
| Net charge-offs to loans | 0.0045% | 4,288 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 1,040.0000% | 53 |
| Efficiency ratio | 70.0633% | 3,213 |
| Assets per employee ($millions) | 8.5424% | 456 |
| Cash dividends to net income (ytd only)* | 41.4258% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 5,686 |
| Loan loss allowance to noncurrent loans | 1,987.5000% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 5,695 |
| Noncurrent loans to loans | 0.0339% | 5,378 |
| Net loans and leases to total assets | 16.1506% | 6,097 |
| Net loans and leases to deposits | 18.6929% | 6,104 |
| Net loans and leases to core deposits | 23.7420% | 6,064 |
| Total domestic deposits to total assets | 86.3993% | 2,432 |
| Equity capital to assets | 13.4299% | 1,148 |
| Core capital (leverage) ratio | 13.0671% | 1,124 |
| Tier 1 risk-based capital ratio | 34.6152% | 344 |
| Total risk-based capital ratio | 34.9053% | 372 |
| Memoranda: | ||
| Average total assets | $146,504,400 | 3,623 |
| Average earning assets | $136,879,200 | 3,582 |
| Average equity | $19,385,000 | 3,232 |
| Average total loans | $22,196,000 | 5,646 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5951% | 6,050 |
| Cost of funding earning assets | 0.4778% | 2,429 |
| Net interest margin | 2.1173% | 6,095 |
| Noninterest income to average assets | 0.3423% | 4,489 |
| Noninterest expense to average assets | 1.3658% | 6,119 |
| Loan and lease loss provision to assets | 0.0018% | 4,208 |
| Net operating income to assets | 0.9544% | 2,696 |
| Return on assets (ROA) | 0.9544% | 2,784 |
| Pretax return on assets | 0.9544% | 3,802 |
| Return on Equity (ROE) | 7.2398% | 3,505 |
| Retained earnings to average equity (ytd only) | 4.8288% | 3,031 |
| Net charge-offs to loans | 0.0061% | 3,966 |
| Credit loss provision to net charge-offs | 200.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 1,055.6090% | 69 |
| Efficiency ratio | 58.8189% | 5,028 |
| Assets per employee ($millions) | 8.3161% | 467 |
| Cash dividends to net income (ytd only)* | 33.3019% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 5,739 |
| Loan loss allowance to noncurrent loans | 836.8421% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 5,748 |
| Noncurrent loans to loans | 0.0831% | 5,296 |
| Net loans and leases to total assets | 16.0588% | 6,183 |
| Net loans and leases to deposits | 18.8779% | 6,193 |
| Net loans and leases to core deposits | 24.0010% | 6,150 |
| Total domestic deposits to total assets | 85.0666% | 2,978 |
| Equity capital to assets | 14.0698% | 999 |
| Core capital (leverage) ratio | 13.2089% | 1,130 |
| Tier 1 risk-based capital ratio | 35.7535% | 332 |
| Total risk-based capital ratio | 36.0517% | 352 |
| Memoranda: | ||
| Average total assets | $146,825,250 | 3,647 |
| Average earning assets | $137,280,500 | 3,607 |
| Average equity | $19,355,500 | 3,262 |
| Average total loans | $21,841,750 | 5,723 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5341% | 6,148 |
| Cost of funding earning assets | 0.4921% | 2,323 |
| Net interest margin | 2.0420% | 6,200 |
| Noninterest income to average assets | 0.3391% | 4,527 |
| Noninterest expense to average assets | 1.3226% | 6,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9257% | 2,757 |
| Return on assets (ROA) | 0.9257% | 2,879 |
| Pretax return on assets | 0.9257% | 3,863 |
| Return on Equity (ROE) | 7.1753% | 3,508 |
| Retained earnings to average equity (ytd only) | 4.5158% | 3,149 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8270% | 5,131 |
| Assets per employee ($millions) | 8.6176% | 421 |
| Cash dividends to net income (ytd only)* | 37.0640% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 5,795 |
| Loan loss allowance to noncurrent loans | 438.8889% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 5,793 |
| Noncurrent loans to loans | 0.1619% | 5,114 |
| Net loans and leases to total assets | 15.0724% | 6,264 |
| Net loans and leases to deposits | 17.3883% | 6,273 |
| Net loans and leases to core deposits | 21.4358% | 6,241 |
| Total domestic deposits to total assets | 86.6812% | 2,326 |
| Equity capital to assets | 13.1652% | 1,319 |
| Core capital (leverage) ratio | 12.7335% | 1,280 |
| Tier 1 risk-based capital ratio | 33.4008% | 415 |
| Total risk-based capital ratio | 33.6816% | 437 |
| Memoranda: | ||
| Average total assets | $148,642,330 | 3,651 |
| Average earning assets | $138,983,000 | 3,615 |
| Average equity | $19,177,000 | 3,301 |
| Average total loans | $21,501,670 | 5,790 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4635% | 6,237 |
| Cost of funding earning assets | 0.5007% | 2,272 |
| Net interest margin | 1.9628% | 6,285 |
| Noninterest income to average assets | 0.3286% | 4,559 |
| Noninterest expense to average assets | 1.2718% | 6,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8897% | 2,789 |
| Return on assets (ROA) | 0.8897% | 2,916 |
| Pretax return on assets | 0.8897% | 3,928 |
| Return on Equity (ROE) | 6.9658% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.9658% | 2,025 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8381% | 5,239 |
| Assets per employee ($millions) | 9.4574% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7435% | 5,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 13.9389% | 6,332 |
| Net loans and leases to deposits | 16.0210% | 6,344 |
| Net loans and leases to core deposits | 20.0038% | 6,311 |
| Total domestic deposits to total assets | 87.0035% | 2,365 |
| Equity capital to assets | 12.8557% | 1,476 |
| Core capital (leverage) ratio | 12.6210% | 1,310 |
| Tier 1 risk-based capital ratio | 34.1484% | 390 |
| Total risk-based capital ratio | 34.4369% | 414 |
| Memoranda: | ||
| Average total assets | $149,713,500 | 3,657 |
| Average earning assets | $139,799,500 | 3,627 |
| Average equity | $19,122,000 | 3,327 |
| Average total loans | $21,133,000 | 5,852 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6693% | 6,276 |
| Cost of funding earning assets | 0.4880% | 2,798 |
| Net interest margin | 2.1813% | 6,315 |
| Noninterest income to average assets | 0.3467% | 4,624 |
| Noninterest expense to average assets | 1.6774% | 6,179 |
| Loan and lease loss provision to assets | 0.0022% | 4,563 |
| Net operating income to assets | 0.7012% | 3,888 |
| Return on assets (ROA) | 0.7012% | 4,006 |
| Pretax return on assets | 0.7012% | 4,625 |
| Return on Equity (ROE) | 5.2562% | 4,530 |
| Retained earnings to average equity (ytd only) | 3.1850% | 3,968 |
| Net charge-offs to loans | 0.0625% | 3,598 |
| Credit loss provision to net charge-offs | 23.0769% | 3,935 |
| Earnings coverage of net charge-offs (x) | 75.3846% | 669 |
| Efficiency ratio | 70.4552% | 3,464 |
| Assets per employee ($millions) | 9.2568% | 308 |
| Cash dividends to net income (ytd only)* | 39.4063% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7518% | 5,878 |
| Loan loss allowance to noncurrent loans | 1,580.0000% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 6,058 |
| Noncurrent loans to loans | 0.0476% | 5,691 |
| Net loans and leases to total assets | 14.0829% | 6,426 |
| Net loans and leases to deposits | 16.1530% | 6,432 |
| Net loans and leases to core deposits | 20.2747% | 6,401 |
| Total domestic deposits to total assets | 87.1844% | 2,174 |
| Equity capital to assets | 12.6873% | 1,548 |
| Core capital (leverage) ratio | 13.0007% | 1,140 |
| Tier 1 risk-based capital ratio | 37.2959% | 275 |
| Total risk-based capital ratio | 37.6168% | 294 |
| Memoranda: | ||
| Average total assets | $139,326,200 | 3,812 |
| Average earning assets | $129,920,400 | 3,777 |
| Average equity | $18,587,400 | 3,339 |
| Average total loans | $20,812,200 | 5,930 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7066% | 6,328 |
| Cost of funding earning assets | 0.5053% | 2,704 |
| Net interest margin | 2.2013% | 6,389 |
| Noninterest income to average assets | 0.3675% | 4,485 |
| Noninterest expense to average assets | 1.4448% | 6,379 |
| Loan and lease loss provision to assets | 0.0019% | 4,367 |
| Net operating income to assets | 0.9752% | 2,570 |
| Return on assets (ROA) | 0.9752% | 2,640 |
| Pretax return on assets | 0.9752% | 3,693 |
| Return on Equity (ROE) | 7.2144% | 3,600 |
| Retained earnings to average equity (ytd only) | 5.2004% | 2,951 |
| Net charge-offs to loans | 0.0642% | 3,288 |
| Credit loss provision to net charge-offs | 20.0000% | 3,579 |
| Earnings coverage of net charge-offs (x) | 100.5229% | 586 |
| Efficiency ratio | 59.6548% | 5,233 |
| Assets per employee ($millions) | 8.1260% | 495 |
| Cash dividends to net income (ytd only)* | 27.9160% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7610% | 5,966 |
| Loan loss allowance to noncurrent loans | 457.1429% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 6,072 |
| Noncurrent loans to loans | 0.1665% | 5,413 |
| Net loans and leases to total assets | 15.1040% | 6,504 |
| Net loans and leases to deposits | 18.0138% | 6,506 |
| Net loans and leases to core deposits | 22.7275% | 6,464 |
| Total domestic deposits to total assets | 83.8471% | 3,816 |
| Equity capital to assets | 13.6135% | 1,139 |
| Core capital (leverage) ratio | 13.2915% | 1,067 |
| Tier 1 risk-based capital ratio | 39.2431% | 257 |
| Total risk-based capital ratio | 39.5825% | 266 |
| Memoranda: | ||
| Average total assets | $137,130,500 | 3,879 |
| Average earning assets | $127,980,000 | 3,836 |
| Average equity | $18,536,500 | 3,359 |
| Average total loans | $20,761,250 | 5,991 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6806% | 6,400 |
| Cost of funding earning assets | 0.5123% | 2,701 |
| Net interest margin | 2.1683% | 6,468 |
| Noninterest income to average assets | 0.3801% | 4,401 |
| Noninterest expense to average assets | 1.4050% | 6,472 |
| Loan and lease loss provision to assets | 0.0029% | 4,154 |
| Net operating income to assets | 0.9957% | 2,336 |
| Return on assets (ROA) | 0.9957% | 2,405 |
| Pretax return on assets | 0.9957% | 3,491 |
| Return on Equity (ROE) | 7.3834% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.4319% | 2,685 |
| Net charge-offs to loans | 0.1064% | 2,616 |
| Credit loss provision to net charge-offs | 18.1818% | 3,221 |
| Earnings coverage of net charge-offs (x) | 62.0909% | 785 |
| Efficiency ratio | 58.4550% | 5,496 |
| Assets per employee ($millions) | 8.2366% | 450 |
| Cash dividends to net income (ytd only)* | 26.4317% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7738% | 6,039 |
| Loan loss allowance to noncurrent loans | 935.2941% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 6,210 |
| Noncurrent loans to loans | 0.0827% | 5,771 |
| Net loans and leases to total assets | 14.5612% | 6,566 |
| Net loans and leases to deposits | 17.6062% | 6,569 |
| Net loans and leases to core deposits | 21.8085% | 6,538 |
| Total domestic deposits to total assets | 82.7050% | 4,411 |
| Equity capital to assets | 13.3557% | 1,210 |
| Core capital (leverage) ratio | 13.2028% | 1,086 |
| Tier 1 risk-based capital ratio | 38.3019% | 274 |
| Total risk-based capital ratio | 38.6352% | 285 |
| Memoranda: | ||
| Average total assets | $136,793,330 | 3,909 |
| Average earning assets | $127,656,000 | 3,857 |
| Average equity | $18,446,670 | 3,373 |
| Average total loans | $20,673,330 | 6,049 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6917% | 6,470 |
| Cost of funding earning assets | 0.5168% | 2,747 |
| Net interest margin | 2.1749% | 6,537 |
| Noninterest income to average assets | 0.4379% | 3,884 |
| Noninterest expense to average assets | 1.4677% | 6,517 |
| Loan and lease loss provision to assets | 0.0030% | 3,784 |
| Net operating income to assets | 0.9972% | 2,223 |
| Return on assets (ROA) | 0.9972% | 2,280 |
| Pretax return on assets | 0.9972% | 3,326 |
| Return on Equity (ROE) | 7.3583% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.3583% | 1,878 |
| Net charge-offs to loans | 0.2894% | 1,195 |
| Credit loss provision to net charge-offs | 6.6667% | 2,639 |
| Earnings coverage of net charge-offs (x) | 22.5333% | 1,248 |
| Efficiency ratio | 59.4724% | 5,474 |
| Assets per employee ($millions) | 8.2225% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 6,199 |
| Loan loss allowance to noncurrent loans | 513.3333% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 6,240 |
| Noncurrent loans to loans | 0.1461% | 5,648 |
| Net loans and leases to total assets | 14.5827% | 6,634 |
| Net loans and leases to deposits | 16.8675% | 6,642 |
| Net loans and leases to core deposits | 19.0116% | 6,626 |
| Total domestic deposits to total assets | 86.4546% | 3,136 |
| Equity capital to assets | 13.4359% | 1,126 |
| Core capital (leverage) ratio | 13.0911% | 1,125 |
| Tier 1 risk-based capital ratio | 38.6014% | 260 |
| Total risk-based capital ratio | 38.9296% | 271 |
| Memoranda: | ||
| Average total assets | $135,178,500 | 3,973 |
| Average earning assets | $126,165,000 | 3,922 |
| Average equity | $18,319,500 | 3,381 |
| Average total loans | $20,736,000 | 6,103 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7614% | 6,515 |
| Cost of funding earning assets | 0.5376% | 3,217 |
| Net interest margin | 2.2238% | 6,566 |
| Noninterest income to average assets | 0.3909% | 4,512 |
| Noninterest expense to average assets | 1.7329% | 6,410 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7323% | 3,648 |
| Return on assets (ROA) | 0.7323% | 3,730 |
| Pretax return on assets | 0.7323% | 4,408 |
| Return on Equity (ROE) | 5.1764% | 4,551 |
| Retained earnings to average equity (ytd only) | 2.2408% | 4,652 |
| Net charge-offs to loans | 0.0240% | 4,946 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 192.2000% | 232 |
| Efficiency ratio | 70.2937% | 3,793 |
| Assets per employee ($millions) | 7.6809% | 554 |
| Cash dividends to net income (ytd only)* | 56.7118% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 6,172 |
| Loan loss allowance to noncurrent loans | 1,680.0000% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 6,408 |
| Noncurrent loans to loans | 0.0478% | 6,087 |
| Net loans and leases to total assets | 15.9035% | 6,709 |
| Net loans and leases to deposits | 18.4436% | 6,716 |
| Net loans and leases to core deposits | 21.0036% | 6,693 |
| Total domestic deposits to total assets | 86.2278% | 3,149 |
| Equity capital to assets | 13.6764% | 999 |
| Core capital (leverage) ratio | 13.5777% | 935 |
| Tier 1 risk-based capital ratio | 39.0522% | 245 |
| Total risk-based capital ratio | 39.4213% | 255 |
| Memoranda: | ||
| Average total assets | $131,223,600 | 4,046 |
| Average earning assets | $122,403,400 | 4,004 |
| Average equity | $18,565,200 | 3,330 |
| Average total loans | $20,794,400 | 6,156 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7680% | 6,589 |
| Cost of funding earning assets | 0.5590% | 3,168 |
| Net interest margin | 2.2089% | 6,642 |
| Noninterest income to average assets | 0.4008% | 4,533 |
| Noninterest expense to average assets | 1.5344% | 6,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9275% | 2,699 |
| Return on assets (ROA) | 0.9275% | 2,812 |
| Pretax return on assets | 0.9275% | 3,773 |
| Return on Equity (ROE) | 6.5022% | 3,925 |
| Retained earnings to average equity (ytd only) | 3.4218% | 4,248 |
| Net charge-offs to loans | -0.0064% | 5,814 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3248% | 5,091 |
| Assets per employee ($millions) | 7.6165% | 556 |
| Cash dividends to net income (ytd only)* | 47.3741% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8147% | 6,251 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,509 |
| Noncurrent loans to loans | 0.0281% | 6,267 |
| Net loans and leases to total assets | 16.3601% | 6,788 |
| Net loans and leases to deposits | 19.4793% | 6,793 |
| Net loans and leases to core deposits | 21.4564% | 6,778 |
| Total domestic deposits to total assets | 83.9867% | 4,189 |
| Equity capital to assets | 14.1219% | 927 |
| Core capital (leverage) ratio | 13.8059% | 921 |
| Tier 1 risk-based capital ratio | 35.6936% | 319 |
| Total risk-based capital ratio | 36.0417% | 340 |
| Memoranda: | ||
| Average total assets | $131,385,750 | 4,078 |
| Average earning assets | $122,589,750 | 4,044 |
| Average equity | $18,742,000 | 3,341 |
| Average total loans | $20,759,500 | 6,225 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7428% | 6,637 |
| Cost of funding earning assets | 0.5774% | 3,145 |
| Net interest margin | 2.1654% | 6,700 |
| Noninterest income to average assets | 0.4196% | 4,378 |
| Noninterest expense to average assets | 1.5558% | 6,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8862% | 2,867 |
| Return on assets (ROA) | 0.8862% | 3,025 |
| Pretax return on assets | 0.8862% | 3,963 |
| Return on Equity (ROE) | 6.1923% | 4,052 |
| Retained earnings to average equity (ytd only) | 2.7945% | 4,536 |
| Net charge-offs to loans | -0.0097% | 5,762 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7097% | 4,910 |
| Assets per employee ($millions) | 7.5926% | 538 |
| Cash dividends to net income (ytd only)* | 54.8718% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 6,275 |
| Loan loss allowance to noncurrent loans | 870.0000% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 6,504 |
| Noncurrent loans to loans | 0.0968% | 6,107 |
| Net loans and leases to total assets | 15.8762% | 6,838 |
| Net loans and leases to deposits | 18.5393% | 6,848 |
| Net loans and leases to core deposits | 20.9485% | 6,834 |
| Total domestic deposits to total assets | 85.6354% | 3,561 |
| Equity capital to assets | 13.8347% | 1,014 |
| Core capital (leverage) ratio | 13.3901% | 1,020 |
| Tier 1 risk-based capital ratio | 39.5015% | 243 |
| Total risk-based capital ratio | 39.8915% | 248 |
| Memoranda: | ||
| Average total assets | $132,021,000 | 4,102 |
| Average earning assets | $123,304,670 | 4,047 |
| Average equity | $18,894,330 | 3,343 |
| Average total loans | $20,560,330 | 6,274 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7202% | 6,725 |
| Cost of funding earning assets | 0.5742% | 3,337 |
| Net interest margin | 2.1460% | 6,789 |
| Noninterest income to average assets | 0.4435% | 4,151 |
| Noninterest expense to average assets | 1.5252% | 6,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9229% | 2,556 |
| Return on assets (ROA) | 0.9229% | 2,696 |
| Pretax return on assets | 0.9229% | 3,678 |
| Return on Equity (ROE) | 6.3463% | 3,859 |
| Retained earnings to average equity (ytd only) | 3.7707% | 3,976 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3011% | 5,266 |
| Assets per employee ($millions) | 8.1252% | 466 |
| Cash dividends to net income (ytd only)* | 40.5844% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 6,369 |
| Loan loss allowance to noncurrent loans | 2,883.3333% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 6,627 |
| Noncurrent loans to loans | 0.0294% | 6,407 |
| Net loans and leases to total assets | 14.6306% | 6,921 |
| Net loans and leases to deposits | 17.0332% | 6,933 |
| Net loans and leases to core deposits | 19.2141% | 6,912 |
| Total domestic deposits to total assets | 85.8950% | 3,584 |
| Equity capital to assets | 14.0363% | 1,015 |
| Core capital (leverage) ratio | 13.2472% | 1,026 |
| Tier 1 risk-based capital ratio | 38.0153% | 269 |
| Total risk-based capital ratio | 38.3902% | 284 |
| Memoranda: | ||
| Average total assets | $133,494,500 | 4,113 |
| Average earning assets | $124,698,500 | 4,047 |
| Average equity | $19,413,000 | 3,325 |
| Average total loans | $20,507,500 | 6,331 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9501% | 6,796 |
| Cost of funding earning assets | 0.6014% | 4,344 |
| Net interest margin | 2.3487% | 6,811 |
| Noninterest income to average assets | 0.3504% | 4,966 |
| Noninterest expense to average assets | 1.5711% | 6,826 |
| Loan and lease loss provision to assets | 0.0246% | 5,586 |
| Net operating income to assets | 0.9710% | 2,460 |
| Return on assets (ROA) | 0.9710% | 2,690 |
| Pretax return on assets | 0.9710% | 3,652 |
| Return on Equity (ROE) | 6.5013% | 3,913 |
| Retained earnings to average equity (ytd only) | 3.8636% | 3,477 |
| Net charge-offs to loans | 0.0247% | 5,553 |
| Credit loss provision to net charge-offs | 620.0000% | 395 |
| Earnings coverage of net charge-offs (x) | 251.2000% | 160 |
| Efficiency ratio | 61.2106% | 5,357 |
| Assets per employee ($millions) | 8.0538% | 490 |
| Cash dividends to net income (ytd only)* | 40.5714% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8385% | 6,412 |
| Loan loss allowance to noncurrent loans | 8,650.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 6,717 |
| Noncurrent loans to loans | 0.0097% | 6,544 |
| Net loans and leases to total assets | 15.8776% | 6,975 |
| Net loans and leases to deposits | 18.7066% | 6,985 |
| Net loans and leases to core deposits | 21.0847% | 6,967 |
| Total domestic deposits to total assets | 84.8767% | 3,915 |
| Equity capital to assets | 15.0845% | 714 |
| Core capital (leverage) ratio | 13.7594% | 870 |
| Tier 1 risk-based capital ratio | 38.8940% | 251 |
| Total risk-based capital ratio | 39.2816% | 269 |
| Memoranda: | ||
| Average total assets | $126,153,400 | 4,226 |
| Average earning assets | $119,046,200 | 4,128 |
| Average equity | $18,842,400 | 3,353 |
| Average total loans | $20,240,200 | 6,414 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9894% | 6,904 |
| Cost of funding earning assets | 0.6189% | 4,460 |
| Net interest margin | 2.3705% | 6,911 |
| Noninterest income to average assets | 0.3443% | 5,055 |
| Noninterest expense to average assets | 1.4122% | 6,986 |
| Loan and lease loss provision to assets | 0.0329% | 5,364 |
| Net operating income to assets | 1.1497% | 1,908 |
| Return on assets (ROA) | 1.1497% | 2,105 |
| Pretax return on assets | 1.1497% | 3,161 |
| Return on Equity (ROE) | 7.7173% | 3,414 |
| Retained earnings to average equity (ytd only) | 4.9713% | 3,384 |
| Net charge-offs to loans | 0.0199% | 5,390 |
| Credit loss provision to net charge-offs | 1,033.3333% | 271 |
| Earnings coverage of net charge-offs (x) | 370.9900% | 121 |
| Efficiency ratio | 54.4226% | 6,210 |
| Assets per employee ($millions) | 7.7874% | 517 |
| Cash dividends to net income (ytd only)* | 35.5822% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 6,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 16.0138% | 7,067 |
| Net loans and leases to deposits | 18.9767% | 7,080 |
| Net loans and leases to core deposits | 20.6655% | 7,073 |
| Total domestic deposits to total assets | 84.3867% | 4,042 |
| Equity capital to assets | 15.5732% | 693 |
| Core capital (leverage) ratio | 14.1399% | 787 |
| Tier 1 risk-based capital ratio | 39.9461% | 244 |
| Total risk-based capital ratio | 40.3495% | 257 |
| Memoranda: | ||
| Average total assets | $125,476,500 | 4,284 |
| Average earning assets | $119,129,750 | 4,172 |
| Average equity | $18,693,500 | 3,406 |
| Average total loans | $20,142,000 | 6,508 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9946% | 6,974 |
| Cost of funding earning assets | 0.6412% | 4,519 |
| Net interest margin | 2.3534% | 6,983 |
| Noninterest income to average assets | 0.3053% | 5,368 |
| Noninterest expense to average assets | 1.3787% | 7,066 |
| Loan and lease loss provision to assets | 0.0493% | 5,059 |
| Net operating income to assets | 1.1243% | 1,962 |
| Return on assets (ROA) | 1.1243% | 2,178 |
| Pretax return on assets | 1.1243% | 3,213 |
| Return on Equity (ROE) | 7.6612% | 3,416 |
| Retained earnings to average equity (ytd only) | 4.8438% | 3,371 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0187% | 6,314 |
| Assets per employee ($millions) | 8.1183% | 445 |
| Cash dividends to net income (ytd only)* | 36.7751% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 6,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 16.0571% | 7,129 |
| Net loans and leases to deposits | 18.8211% | 7,142 |
| Net loans and leases to core deposits | 20.6313% | 7,134 |
| Total domestic deposits to total assets | 85.3141% | 3,704 |
| Equity capital to assets | 14.6474% | 869 |
| Core capital (leverage) ratio | 13.4345% | 998 |
| Tier 1 risk-based capital ratio | 37.8950% | 280 |
| Total risk-based capital ratio | 38.2900% | 294 |
| Memoranda: | ||
| Average total assets | $125,769,000 | 4,297 |
| Average earning assets | $120,083,000 | 4,170 |
| Average equity | $18,456,670 | 3,433 |
| Average total loans | $20,146,670 | 6,554 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0093% | 7,040 |
| Cost of funding earning assets | 0.6676% | 4,560 |
| Net interest margin | 2.3417% | 7,047 |
| Noninterest income to average assets | 0.3007% | 5,473 |
| Noninterest expense to average assets | 1.3580% | 7,143 |
| Loan and lease loss provision to assets | 0.0970% | 4,136 |
| Net operating income to assets | 1.1026% | 2,072 |
| Return on assets (ROA) | 1.1026% | 2,257 |
| Pretax return on assets | 1.1026% | 3,314 |
| Return on Equity (ROE) | 7.5061% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.5061% | 2,171 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0973% | 6,426 |
| Assets per employee ($millions) | 7.9666% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 6,526 |
| Loan loss allowance to noncurrent loans | 708.0000% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 6,861 |
| Noncurrent loans to loans | 0.1276% | 6,427 |
| Net loans and leases to total assets | 15.2307% | 7,199 |
| Net loans and leases to deposits | 17.7799% | 7,209 |
| Net loans and leases to core deposits | 20.2484% | 7,195 |
| Total domestic deposits to total assets | 85.6628% | 3,707 |
| Equity capital to assets | 14.2979% | 921 |
| Core capital (leverage) ratio | 13.5769% | 918 |
| Tier 1 risk-based capital ratio | 42.0678% | 199 |
| Total risk-based capital ratio | 42.5066% | 205 |
| Memoranda: | ||
| Average total assets | $123,707,000 | 4,357 |
| Average earning assets | $119,229,500 | 4,221 |
| Average equity | $18,172,000 | 3,471 |
| Average total loans | $19,702,500 | 6,627 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3568% | 7,075 |
| Cost of funding earning assets | 0.6130% | 6,026 |
| Net interest margin | 2.7439% | 6,892 |
| Noninterest income to average assets | 0.3153% | 5,286 |
| Noninterest expense to average assets | 1.7572% | 7,003 |
| Loan and lease loss provision to assets | 0.0009% | 6,491 |
| Net operating income to assets | 1.1992% | 1,513 |
| Return on assets (ROA) | 1.1992% | 1,623 |
| Pretax return on assets | 1.1992% | 2,459 |
| Return on Equity (ROE) | 7.7830% | 3,021 |
| Retained earnings to average equity (ytd only) | 6.3531% | 1,829 |
| Net charge-offs to loans | 0.0158% | 6,216 |
| Credit loss provision to net charge-offs | 33.3333% | 5,737 |
| Earnings coverage of net charge-offs (x) | 446.6667% | 79 |
| Efficiency ratio | 59.4185% | 5,842 |
| Assets per employee ($millions) | 7.4968% | 577 |
| Cash dividends to net income (ytd only)* | 18.3719% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 6,848 |
| Loan loss allowance to noncurrent loans | 2,940.0000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 6,995 |
| Noncurrent loans to loans | 0.0252% | 6,765 |
| Net loans and leases to total assets | 16.3963% | 7,245 |
| Net loans and leases to deposits | 19.3240% | 7,259 |
| Net loans and leases to core deposits | 23.8140% | 7,217 |
| Total domestic deposits to total assets | 84.8493% | 3,925 |
| Equity capital to assets | 15.1057% | 752 |
| Core capital (leverage) ratio | 14.0669% | 812 |
| Tier 1 risk-based capital ratio | 42.6312% | 187 |
| Total risk-based capital ratio | 43.0080% | 201 |
| Memoranda: | ||
| Average total assets | $111,653,200 | 4,601 |
| Average earning assets | $107,512,800 | 4,461 |
| Average equity | $17,204,200 | 3,545 |
| Average total loans | $18,936,400 | 6,713 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4340% | 7,119 |
| Cost of funding earning assets | 0.6040% | 6,271 |
| Net interest margin | 2.8300% | 6,854 |
| Noninterest income to average assets | 0.3261% | 5,258 |
| Noninterest expense to average assets | 1.5903% | 7,175 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4552% | 1,037 |
| Return on assets (ROA) | 1.4552% | 1,113 |
| Pretax return on assets | 1.4552% | 1,772 |
| Return on Equity (ROE) | 9.3937% | 2,429 |
| Retained earnings to average equity (ytd only) | 7.4616% | 1,728 |
| Net charge-offs to loans | 0.0143% | 5,951 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 597.2397% | 58 |
| Efficiency ratio | 52.2173% | 6,656 |
| Assets per employee ($millions) | 7.3980% | 602 |
| Cash dividends to net income (ytd only)* | 20.5684% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7385% | 6,915 |
| Loan loss allowance to noncurrent loans | 459.3750% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 6,991 |
| Noncurrent loans to loans | 0.1608% | 6,545 |
| Net loans and leases to total assets | 16.6912% | 7,325 |
| Net loans and leases to deposits | 19.7195% | 7,333 |
| Net loans and leases to core deposits | 21.6387% | 7,318 |
| Total domestic deposits to total assets | 84.6428% | 3,946 |
| Equity capital to assets | 15.3149% | 767 |
| Core capital (leverage) ratio | 14.7880% | 707 |
| Tier 1 risk-based capital ratio | 42.4638% | 209 |
| Total risk-based capital ratio | 42.8424% | 216 |
| Memoranda: | ||
| Average total assets | $109,579,500 | 4,683 |
| Average earning assets | $105,296,250 | 4,543 |
| Average equity | $16,975,500 | 3,590 |
| Average total loans | $18,717,000 | 6,789 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5050% | 7,156 |
| Cost of funding earning assets | 0.5737% | 6,567 |
| Net interest margin | 2.9313% | 6,735 |
| Noninterest income to average assets | 0.3694% | 4,922 |
| Noninterest expense to average assets | 1.6765% | 7,200 |
| Loan and lease loss provision to assets | 0.0019% | 6,209 |
| Net operating income to assets | 1.4984% | 895 |
| Return on assets (ROA) | 1.4984% | 953 |
| Pretax return on assets | 1.4984% | 1,539 |
| Return on Equity (ROE) | 9.6315% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.6074% | 934 |
| Net charge-offs to loans | 0.0218% | 5,533 |
| Credit loss provision to net charge-offs | 50.0000% | 4,583 |
| Earnings coverage of net charge-offs (x) | 400.0000% | 82 |
| Efficiency ratio | 52.7745% | 6,735 |
| Assets per employee ($millions) | 6.7555% | 822 |
| Cash dividends to net income (ytd only)* | 0.2503% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7648% | 6,929 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 7,130 |
| Noncurrent loans to loans | 0.0156% | 6,962 |
| Net loans and leases to total assets | 17.6467% | 7,392 |
| Net loans and leases to deposits | 21.0233% | 7,398 |
| Net loans and leases to core deposits | 23.4705% | 7,383 |
| Total domestic deposits to total assets | 83.9390% | 4,374 |
| Equity capital to assets | 16.0166% | 609 |
| Core capital (leverage) ratio | 14.8831% | 692 |
| Tier 1 risk-based capital ratio | 44.6736% | 180 |
| Total risk-based capital ratio | 45.0756% | 189 |
| Memoranda: | ||
| Average total assets | $106,650,000 | 4,786 |
| Average earning assets | $102,139,330 | 4,649 |
| Average equity | $16,591,330 | 3,637 |
| Average total loans | $18,321,330 | 6,870 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4866% | 7,215 |
| Cost of funding earning assets | 0.5567% | 6,775 |
| Net interest margin | 2.9298% | 6,705 |
| Noninterest income to average assets | 0.4229% | 4,513 |
| Noninterest expense to average assets | 1.7143% | 7,217 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5104% | 854 |
| Return on assets (ROA) | 1.5104% | 898 |
| Pretax return on assets | 1.5104% | 1,417 |
| Return on Equity (ROE) | 9.8577% | 2,151 |
| Retained earnings to average equity (ytd only) | 9.8577% | 1,150 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1616% | 6,771 |
| Assets per employee ($millions) | 6.9769% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 6,856 |
| Loan loss allowance to noncurrent loans | 4,966.6667% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,202 |
| Noncurrent loans to loans | 0.0168% | 7,026 |
| Net loans and leases to total assets | 15.8925% | 7,468 |
| Net loans and leases to deposits | 18.6502% | 7,476 |
| Net loans and leases to core deposits | 19.7987% | 7,466 |
| Total domestic deposits to total assets | 85.2138% | 3,941 |
| Equity capital to assets | 14.7414% | 825 |
| Core capital (leverage) ratio | 15.0742% | 653 |
| Tier 1 risk-based capital ratio | 44.1370% | 184 |
| Total risk-based capital ratio | 44.5497% | 192 |
| Memoranda: | ||
| Average total assets | $105,931,000 | 4,838 |
| Average earning assets | $101,302,500 | 4,705 |
| Average equity | $16,231,000 | 3,687 |
| Average total loans | $17,871,500 | 6,951 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 7,148 |
| Cost of funding earning assets | 0.5704% | 7,181 |
| Net interest margin | 3.4189% | 5,556 |
| Noninterest income to average assets | 0.9716% | 1,603 |
| Noninterest expense to average assets | 1.9827% | 7,050 |
| Loan and lease loss provision to assets | 0.0010% | 7,038 |
| Net operating income to assets | 2.2038% | 201 |
| Return on assets (ROA) | 2.2038% | 207 |
| Pretax return on assets | 2.2038% | 319 |
| Return on Equity (ROE) | 14.1075% | 861 |
| Retained earnings to average equity (ytd only) | 10.1537% | 496 |
| Net charge-offs to loans | -0.0057% | 7,277 |
| Credit loss provision to net charge-offs | -100.0000% | 7,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3480% | 7,293 |
| Assets per employee ($millions) | 6.2644% | 1,052 |
| Cash dividends to net income (ytd only)* | 28.0258% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 6,894 |
| Loan loss allowance to noncurrent loans | 1,146.1538% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 7,217 |
| Noncurrent loans to loans | 0.0728% | 6,944 |
| Net loans and leases to total assets | 17.6632% | 7,541 |
| Net loans and leases to deposits | 21.0314% | 7,549 |
| Net loans and leases to core deposits | 22.4924% | 7,537 |
| Total domestic deposits to total assets | 83.9850% | 4,370 |
| Equity capital to assets | 15.9691% | 588 |
| Core capital (leverage) ratio | 15.5560% | 570 |
| Tier 1 risk-based capital ratio | 44.0479% | 181 |
| Total risk-based capital ratio | 44.4703% | 187 |
| Memoranda: | ||
| Average total assets | $98,600,600 | 5,026 |
| Average earning assets | $92,749,600 | 4,923 |
| Average equity | $15,403,200 | 3,872 |
| Average total loans | $17,405,400 | 7,064 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0538% | 7,244 |
| Cost of funding earning assets | 0.5682% | 7,353 |
| Net interest margin | 3.4856% | 5,358 |
| Noninterest income to average assets | 0.6939% | 2,853 |
| Noninterest expense to average assets | 1.8358% | 7,292 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.1318% | 274 |
| Return on assets (ROA) | 2.1318% | 292 |
| Pretax return on assets | 2.1318% | 471 |
| Return on Equity (ROE) | 13.7242% | 1,091 |
| Retained earnings to average equity (ytd only) | 10.3238% | 720 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2697% | 7,372 |
| Assets per employee ($millions) | 6.0796% | 1,194 |
| Cash dividends to net income (ytd only)* | 24.7769% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8022% | 6,999 |
| Loan loss allowance to noncurrent loans | 1,327.2727% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 7,342 |
| Noncurrent loans to loans | 0.0604% | 7,089 |
| Net loans and leases to total assets | 18.5612% | 7,629 |
| Net loans and leases to deposits | 22.3279% | 7,646 |
| Net loans and leases to core deposits | 25.0357% | 7,627 |
| Total domestic deposits to total assets | 83.1300% | 4,534 |
| Equity capital to assets | 16.4722% | 594 |
| Core capital (leverage) ratio | 15.9328% | 574 |
| Tier 1 risk-based capital ratio | 43.4465% | 199 |
| Total risk-based capital ratio | 43.8650% | 206 |
| Memoranda: | ||
| Average total assets | $98,193,000 | 5,102 |
| Average earning assets | $92,224,500 | 5,005 |
| Average equity | $15,252,500 | 3,940 |
| Average total loans | $17,293,500 | 7,158 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0665% | 7,309 |
| Cost of funding earning assets | 0.5554% | 7,477 |
| Net interest margin | 3.5111% | 5,204 |
| Noninterest income to average assets | 0.7553% | 2,356 |
| Noninterest expense to average assets | 1.8071% | 7,380 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.2599% | 204 |
| Return on assets (ROA) | 2.2599% | 223 |
| Pretax return on assets | 2.2599% | 363 |
| Return on Equity (ROE) | 14.8443% | 885 |
| Retained earnings to average equity (ytd only) | 11.1365% | 625 |
| Net charge-offs to loans | 0.0118% | 6,180 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1,113.0000% | 20 |
| Efficiency ratio | 44.4333% | 7,508 |
| Assets per employee ($millions) | 5.1374% | 2,005 |
| Cash dividends to net income (ytd only)* | 24.9775% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8511% | 6,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 17.4253% | 7,711 |
| Net loans and leases to deposits | 20.7959% | 7,726 |
| Net loans and leases to core deposits | 22.1633% | 7,713 |
| Total domestic deposits to total assets | 83.7918% | 4,204 |
| Equity capital to assets | 15.7943% | 709 |
| Core capital (leverage) ratio | 15.0725% | 709 |
| Tier 1 risk-based capital ratio | 43.4091% | 199 |
| Total risk-based capital ratio | 43.8370% | 207 |
| Memoranda: | ||
| Average total assets | $98,499,670 | 5,124 |
| Average earning assets | $92,905,000 | 5,018 |
| Average equity | $14,995,670 | 3,992 |
| Average total loans | $16,991,000 | 7,222 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0985% | 7,377 |
| Cost of funding earning assets | 0.5525% | 7,599 |
| Net interest margin | 3.5460% | 4,964 |
| Noninterest income to average assets | 0.9419% | 1,479 |
| Noninterest expense to average assets | 1.8394% | 7,423 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.4499% | 162 |
| Return on assets (ROA) | 2.4499% | 178 |
| Pretax return on assets | 2.4499% | 270 |
| Return on Equity (ROE) | 16.3950% | 672 |
| Retained earnings to average equity (ytd only) | 16.3950% | 313 |
| Net charge-offs to loans | 0.0473% | 4,930 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 303.0000% | 106 |
| Efficiency ratio | 42.8841% | 7,653 |
| Assets per employee ($millions) | 5.8322% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 6,909 |
| 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 | 16.5561% | 7,817 |
| Net loans and leases to deposits | 19.6349% | 7,834 |
| Net loans and leases to core deposits | 22.6789% | 7,812 |
| Total domestic deposits to total assets | 84.3194% | 3,988 |
| Equity capital to assets | 15.2388% | 827 |
| Core capital (leverage) ratio | 14.8057% | 791 |
| Tier 1 risk-based capital ratio | 43.1740% | 208 |
| Total risk-based capital ratio | 43.6034% | 219 |
| Memoranda: | ||
| Average total assets | $98,944,000 | 5,181 |
| Average earning assets | $93,400,000 | 5,067 |
| Average equity | $14,785,000 | 4,061 |
| Average total loans | $16,909,000 | 7,320 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3829% | 7,496 |
| Cost of funding earning assets | 0.6855% | 7,701 |
| Net interest margin | 3.6973% | 4,158 |
| Noninterest income to average assets | 0.4754% | 4,609 |
| Noninterest expense to average assets | 2.0188% | 7,344 |
| Loan and lease loss provision to assets | 0.0021% | 7,419 |
| Net operating income to assets | 1.9326% | 269 |
| Return on assets (ROA) | 1.9326% | 273 |
| Pretax return on assets | 1.9326% | 472 |
| Return on Equity (ROE) | 11.0515% | 1,401 |
| Retained earnings to average equity (ytd only) | -32.6201% | 7,431 |
| Net charge-offs to loans | 0.1561% | 5,703 |
| Credit loss provision to net charge-offs | 7.6923% | 6,983 |
| Earnings coverage of net charge-offs (x) | 72.4615% | 380 |
| Efficiency ratio | 51.0649% | 7,468 |
| Assets per employee ($millions) | 5.8082% | 1,377 |
| Cash dividends to net income (ytd only)* | 395.1647% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 6,976 |
| Loan loss allowance to noncurrent loans | 1,633.3333% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 7,510 |
| Noncurrent loans to loans | 0.0521% | 7,296 |
| Net loans and leases to total assets | 17.3293% | 7,890 |
| Net loans and leases to deposits | 20.4354% | 7,908 |
| Net loans and leases to core deposits | 28.3750% | 7,876 |
| Total domestic deposits to total assets | 84.8005% | 3,650 |
| Equity capital to assets | 14.6455% | 988 |
| Core capital (leverage) ratio | 14.2432% | 940 |
| Tier 1 risk-based capital ratio | 40.4171% | 245 |
| Total risk-based capital ratio | 40.8423% | 253 |
| Memoranda: | ||
| Average total assets | $97,382,200 | 5,153 |
| Average earning assets | $91,606,600 | 5,074 |
| Average equity | $17,029,400 | 3,666 |
| Average total loans | $16,656,800 | 7,373 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4329% | 7,577 |
| Cost of funding earning assets | 0.7179% | 7,790 |
| Net interest margin | 3.7150% | 4,008 |
| Noninterest income to average assets | 0.4905% | 4,573 |
| Noninterest expense to average assets | 1.8287% | 7,636 |
| Loan and lease loss provision to assets | 0.0014% | 7,281 |
| Net operating income to assets | 2.1516% | 208 |
| Return on assets (ROA) | 2.1516% | 225 |
| Pretax return on assets | 2.1516% | 396 |
| Return on Equity (ROE) | 11.8154% | 1,409 |
| Retained earnings to average equity (ytd only) | -34.1634% | 7,680 |
| Net charge-offs to loans | 0.2019% | 4,788 |
| Credit loss provision to net charge-offs | 4.0000% | 6,644 |
| Earnings coverage of net charge-offs (x) | 62.6847% | 523 |
| Efficiency ratio | 45.9282% | 7,774 |
| Assets per employee ($millions) | 5.7263% | 1,410 |
| Cash dividends to net income (ytd only)* | 389.1439% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8283% | 7,034 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,606 |
| Noncurrent loans to loans | 0.0169% | 7,486 |
| Net loans and leases to total assets | 18.0807% | 7,969 |
| Net loans and leases to deposits | 21.6526% | 7,986 |
| Net loans and leases to core deposits | 30.6712% | 7,947 |
| Total domestic deposits to total assets | 83.5033% | 3,962 |
| Equity capital to assets | 15.9491% | 798 |
| Core capital (leverage) ratio | 15.5629% | 750 |
| Tier 1 risk-based capital ratio | 43.5540% | 230 |
| Total risk-based capital ratio | 43.9808% | 233 |
| Memoranda: | ||
| Average total assets | $97,042,750 | 5,210 |
| Average earning assets | $91,195,500 | 5,121 |
| Average equity | $17,671,500 | 3,582 |
| Average total loans | $16,506,500 | 7,447 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4331% | 7,688 |
| Cost of funding earning assets | 0.7396% | 7,883 |
| Net interest margin | 3.6935% | 3,975 |
| Noninterest income to average assets | 0.4972% | 4,470 |
| Noninterest expense to average assets | 1.8341% | 7,704 |
| Loan and lease loss provision to assets | 0.0021% | 7,147 |
| Net operating income to assets | 2.1229% | 226 |
| Return on assets (ROA) | 2.1229% | 245 |
| Pretax return on assets | 2.1229% | 411 |
| Return on Equity (ROE) | 11.1929% | 1,650 |
| Retained earnings to average equity (ytd only) | -53.5497% | 7,935 |
| Net charge-offs to loans | 0.3107% | 3,635 |
| Credit loss provision to net charge-offs | 4.0000% | 6,225 |
| Earnings coverage of net charge-offs (x) | 41.2000% | 795 |
| Efficiency ratio | 46.3262% | 7,839 |
| Assets per employee ($millions) | 5.6076% | 1,496 |
| Cash dividends to net income (ytd only)* | 578.4257% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 6,820 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,653 |
| Noncurrent loans to loans | 0.0182% | 7,505 |
| Net loans and leases to total assets | 17.1835% | 8,062 |
| Net loans and leases to deposits | 21.0680% | 8,076 |
| Net loans and leases to core deposits | 29.4580% | 8,040 |
| Total domestic deposits to total assets | 81.5619% | 4,871 |
| Equity capital to assets | 15.6394% | 899 |
| Core capital (leverage) ratio | 15.2040% | 875 |
| Tier 1 risk-based capital ratio | 43.7014% | 244 |
| Total risk-based capital ratio | 44.1412% | 249 |
| Memoranda: | ||
| Average total assets | $96,941,330 | 5,254 |
| Average earning assets | $90,861,330 | 5,169 |
| Average equity | $18,386,670 | 3,493 |
| Average total loans | $16,092,670 | 7,529 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 7,870 |
| Cost of funding earning assets | 0.7617% | 7,947 |
| Net interest margin | 3.5020% | 4,727 |
| Noninterest income to average assets | 0.5156% | 4,177 |
| Noninterest expense to average assets | 1.8538% | 7,630 |
| Loan and lease loss provision to assets | 0.0041% | 6,730 |
| Net operating income to assets | 1.9315% | 398 |
| Return on assets (ROA) | 1.9315% | 451 |
| Pretax return on assets | 1.9315% | 751 |
| Return on Equity (ROE) | 9.3811% | 2,577 |
| Retained earnings to average equity (ytd only) | 9.3811% | 1,376 |
| Net charge-offs to loans | 0.6299% | 1,918 |
| Credit loss provision to net charge-offs | 4.0000% | 5,229 |
| Earnings coverage of net charge-offs (x) | 18.9200% | 1,441 |
| Efficiency ratio | 48.9201% | 7,672 |
| Assets per employee ($millions) | 5.8734% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 6,638 |
| Loan loss allowance to noncurrent loans | 3,675.0000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 7,645 |
| Noncurrent loans to loans | 0.0251% | 7,483 |
| Net loans and leases to total assets | 15.7840% | 8,118 |
| Net loans and leases to deposits | 19.9866% | 8,135 |
| Net loans and leases to core deposits | 26.9526% | 8,106 |
| Total domestic deposits to total assets | 78.9730% | 5,740 |
| Equity capital to assets | 20.5112% | 391 |
| Core capital (leverage) ratio | 20.6064% | 372 |
| Tier 1 risk-based capital ratio | 59.1291% | 142 |
| Total risk-based capital ratio | 59.5636% | 143 |
| Memoranda: | ||
| Average total assets | $97,747,000 | 5,246 |
| Average earning assets | $91,376,000 | 5,171 |
| Average equity | $20,125,500 | 3,239 |
| Average total loans | $15,875,000 | 7,584 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9600% | 7,862 |
| Cost of funding earning assets | 1.3341% | 7,807 |
| Net interest margin | 3.6259% | 4,767 |
| Noninterest income to average assets | 0.5259% | 4,415 |
| Noninterest expense to average assets | 2.0681% | 7,305 |
| Loan and lease loss provision to assets | 0.0046% | 7,300 |
| Net operating income to assets | 1.8052% | 551 |
| Return on assets (ROA) | 1.8052% | 525 |
| Pretax return on assets | 1.8052% | 935 |
| Return on Equity (ROE) | 8.1068% | 3,028 |
| Retained earnings to average equity (ytd only) | 4.6516% | 2,232 |
| Net charge-offs to loans | -0.2242% | 8,179 |
| Credit loss provision to net charge-offs | -11.7647% | 7,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3314% | 7,347 |
| Assets per employee ($millions) | 5.6262% | 1,371 |
| Cash dividends to net income (ytd only)* | 42.6209% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 5,419 |
| Loan loss allowance to noncurrent loans | 633.3333% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 7,478 |
| Noncurrent loans to loans | 0.1704% | 6,878 |
| Net loans and leases to total assets | 16.3854% | 8,181 |
| Net loans and leases to deposits | 21.0442% | 8,190 |
| Net loans and leases to core deposits | 28.5210% | 8,162 |
| Total domestic deposits to total assets | 77.8621% | 5,758 |
| Equity capital to assets | 20.6710% | 429 |
| Core capital (leverage) ratio | 20.4846% | 406 |
| Tier 1 risk-based capital ratio | 59.1847% | 158 |
| Total risk-based capital ratio | 59.7030% | 158 |
| Memoranda: | ||
| Average total assets | $87,083,800 | 5,448 |
| Average earning assets | $80,503,800 | 5,418 |
| Average equity | $19,391,200 | 3,327 |
| Average total loans | $15,163,800 | 7,637 |