Home > The First State Bank > Performance and Condition Ratios
The First State Bank, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 1,027 |
| Cost of funding earning assets | 0.5823% | 812 |
| Net interest margin | 3.7038% | 1,343 |
| Noninterest income to average assets | 1.6191% | 472 |
| Noninterest expense to average assets | 3.3168% | 604 |
| Loan and lease loss provision to assets | 0.1449% | 830 |
| Net operating income to assets | 1.2072% | 2,170 |
| Return on assets (ROA) | 1.2072% | 2,237 |
| Pretax return on assets | 1.6770% | 1,538 |
| Return on Equity (ROE) | 13.6659% | 1,512 |
| Retained earnings to average equity (ytd only) | 9.6481% | 1,511 |
| Net charge-offs to loans | 0.8360% | 96 |
| Credit loss provision to net charge-offs | 19.6207% | 1,735 |
| Earnings coverage of net charge-offs (x) | 2.4676% | 2,121 |
| Efficiency ratio | 64.4616% | 2,367 |
| Assets per employee ($millions) | 7.7916% | 1,311 |
| Cash dividends to net income (ytd only)* | 29.4000% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 3,979 |
| Loan loss allowance to noncurrent loans | 776.8889% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 3,511 |
| Noncurrent loans to loans | 0.1230% | 3,576 |
| Net loans and leases to total assets | 86.1153% | 82 |
| Net loans and leases to deposits | 104.2890% | 181 |
| Net loans and leases to core deposits | 117.8362% | 241 |
| Total domestic deposits to total assets | 82.5737% | 3,798 |
| Equity capital to assets | 8.8935% | 3,896 |
| Core capital (leverage) ratio | 8.6764% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $414,190,000 | 1,954 |
| Average earning assets | $393,594,000 | 1,940 |
| Average equity | $36,587,333 | 2,249 |
| Average total loans | $365,808,667 | 1,501 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2136% | 1,174 |
| Cost of funding earning assets | 0.6172% | 813 |
| Net interest margin | 3.5964% | 1,601 |
| Noninterest income to average assets | 1.9420% | 397 |
| Noninterest expense to average assets | 3.3993% | 526 |
| Loan and lease loss provision to assets | 0.2920% | 327 |
| Net operating income to assets | 1.2518% | 1,973 |
| Return on assets (ROA) | 1.2518% | 2,053 |
| Pretax return on assets | 1.6656% | 1,567 |
| Return on Equity (ROE) | 14.2211% | 1,390 |
| Retained earnings to average equity (ytd only) | 11.1911% | 1,355 |
| Net charge-offs to loans | 0.5774% | 141 |
| Credit loss provision to net charge-offs | 56.8182% | 1,288 |
| Earnings coverage of net charge-offs (x) | 3.8087% | 1,748 |
| Efficiency ratio | 63.3836% | 2,550 |
| Assets per employee ($millions) | 7.3724% | 1,540 |
| Cash dividends to net income (ytd only)* | 21.3064% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 88.3926% | 40 |
| Net loans and leases to deposits | 108.8215% | 145 |
| Net loans and leases to core deposits | 122.6367% | 220 |
| Total domestic deposits to total assets | 81.2272% | 4,027 |
| Equity capital to assets | 8.8806% | 3,808 |
| Core capital (leverage) ratio | 8.7204% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $410,913,000 | 1,957 |
| Average earning assets | $390,163,000 | 1,936 |
| Average equity | $36,171,500 | 2,252 |
| Average total loans | $365,802,500 | 1,505 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5137% | 1,277 |
| Cost of funding earning assets | 1.0967% | 406 |
| Net interest margin | 3.4169% | 2,724 |
| Noninterest income to average assets | 1.6464% | 461 |
| Noninterest expense to average assets | 3.3713% | 824 |
| Loan and lease loss provision to assets | 0.3215% | 1,142 |
| Net operating income to assets | 0.9142% | 2,633 |
| Return on assets (ROA) | 0.9142% | 2,770 |
| Pretax return on assets | 1.2041% | 2,307 |
| Return on Equity (ROE) | 10.2796% | 1,893 |
| Retained earnings to average equity (ytd only) | 7.0377% | 1,383 |
| Net charge-offs to loans | 0.0092% | 2,997 |
| Credit loss provision to net charge-offs | 4,000.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 189.8065% | 490 |
| Efficiency ratio | 68.6822% | 2,142 |
| Assets per employee ($millions) | 7.7164% | 1,161 |
| Cash dividends to net income (ytd only)* | 31.5372% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,387 |
| Loan loss allowance to noncurrent loans | 800.8475% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 3,567 |
| Noncurrent loans to loans | 0.1629% | 3,624 |
| Net loans and leases to total assets | 87.4022% | 58 |
| Net loans and leases to deposits | 108.2743% | 185 |
| Net loans and leases to core deposits | 121.2004% | 294 |
| Total domestic deposits to total assets | 80.7230% | 3,922 |
| Equity capital to assets | 8.7241% | 4,274 |
| Core capital (leverage) ratio | 8.3871% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,692,000 | 1,901 |
| Average earning assets | $366,906,400 | 1,883 |
| Average equity | $34,301,000 | 2,267 |
| Average total loans | $338,330,400 | 1,544 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 1,390 |
| Cost of funding earning assets | 1.2077% | 360 |
| Net interest margin | 3.3649% | 3,009 |
| Noninterest income to average assets | 1.5679% | 484 |
| Noninterest expense to average assets | 3.3214% | 878 |
| Loan and lease loss provision to assets | 0.3404% | 1,132 |
| Net operating income to assets | 0.8448% | 2,928 |
| Return on assets (ROA) | 0.8448% | 3,053 |
| Pretax return on assets | 1.1088% | 2,712 |
| Return on Equity (ROE) | 9.4511% | 2,228 |
| Retained earnings to average equity (ytd only) | 6.1803% | 2,025 |
| Net charge-offs to loans | 0.0124% | 2,661 |
| Credit loss provision to net charge-offs | 3,129.0323% | 338 |
| Earnings coverage of net charge-offs (x) | 133.1935% | 656 |
| Efficiency ratio | 69.4526% | 1,969 |
| Assets per employee ($millions) | 8.1533% | 948 |
| Cash dividends to net income (ytd only)* | 34.6074% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 2,416 |
| Loan loss allowance to noncurrent loans | 2,395.1613% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 4,215 |
| Noncurrent loans to loans | 0.0520% | 4,162 |
| Net loans and leases to total assets | 86.6668% | 125 |
| Net loans and leases to deposits | 109.4462% | 236 |
| Net loans and leases to core deposits | 123.3916% | 348 |
| Total domestic deposits to total assets | 79.1866% | 4,027 |
| Equity capital to assets | 8.5450% | 4,437 |
| Core capital (leverage) ratio | 8.4109% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $379,872,750 | 1,907 |
| Average earning assets | $361,571,500 | 1,878 |
| Average equity | $33,956,500 | 2,281 |
| Average total loans | $332,369,750 | 1,567 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6589% | 1,514 |
| Cost of funding earning assets | 1.3510% | 286 |
| Net interest margin | 3.3079% | 3,362 |
| Noninterest income to average assets | 1.4490% | 499 |
| Noninterest expense to average assets | 3.2973% | 1,003 |
| Loan and lease loss provision to assets | 0.1943% | 2,093 |
| Net operating income to assets | 0.8494% | 2,870 |
| Return on assets (ROA) | 0.8494% | 2,987 |
| Pretax return on assets | 1.1101% | 2,685 |
| Return on Equity (ROE) | 9.3513% | 2,226 |
| Retained earnings to average equity (ytd only) | 6.0659% | 2,049 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4671% | 1,767 |
| Assets per employee ($millions) | 7.4042% | 1,222 |
| Cash dividends to net income (ytd only)* | 35.1334% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,062 |
| Loan loss allowance to noncurrent loans | 1,753.8462% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 4,253 |
| Noncurrent loans to loans | 0.0627% | 4,228 |
| Net loans and leases to total assets | 87.1745% | 91 |
| Net loans and leases to deposits | 110.7462% | 220 |
| Net loans and leases to core deposits | 123.1898% | 358 |
| Total domestic deposits to total assets | 78.7155% | 4,077 |
| Equity capital to assets | 8.5735% | 4,432 |
| Core capital (leverage) ratio | 8.5356% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,608,333 | 1,918 |
| Average earning assets | $353,218,000 | 1,884 |
| Average equity | $33,663,667 | 2,282 |
| Average total loans | $323,904,333 | 1,577 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8962% | 1,201 |
| Cost of funding earning assets | 1.5382% | 228 |
| Net interest margin | 3.3579% | 3,427 |
| Noninterest income to average assets | 1.2551% | 557 |
| Noninterest expense to average assets | 3.0775% | 1,698 |
| Loan and lease loss provision to assets | 0.3596% | 856 |
| Net operating income to assets | 0.7831% | 2,961 |
| Return on assets (ROA) | 0.7831% | 3,047 |
| Pretax return on assets | 1.0214% | 2,777 |
| Return on Equity (ROE) | 8.3583% | 2,360 |
| Retained earnings to average equity (ytd only) | 5.0486% | 2,256 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8256% | 2,532 |
| Assets per employee ($millions) | 6.8901% | 1,144 |
| Cash dividends to net income (ytd only)* | 39.5983% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,579 |
| Loan loss allowance to noncurrent loans | 2,507.1895% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 4,394 |
| Noncurrent loans to loans | 0.0485% | 4,355 |
| Net loans and leases to total assets | 86.9850% | 98 |
| Net loans and leases to deposits | 107.8241% | 236 |
| Net loans and leases to core deposits | 123.1307% | 383 |
| Total domestic deposits to total assets | 80.6730% | 3,727 |
| Equity capital to assets | 9.3579% | 4,349 |
| Core capital (leverage) ratio | 9.2763% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5212% | 3,219 |
| Memoranda: | ||
| Average total assets | $355,999,000 | 1,935 |
| Average earning assets | $339,612,500 | 1,894 |
| Average equity | $33,356,000 | 2,281 |
| Average total loans | $309,645,000 | 1,597 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2836% | 844 |
| Cost of funding earning assets | 1.7775% | 151 |
| Net interest margin | 3.5062% | 3,432 |
| Noninterest income to average assets | 1.2156% | 637 |
| Noninterest expense to average assets | 3.2402% | 1,428 |
| Loan and lease loss provision to assets | 0.1934% | 1,055 |
| Net operating income to assets | 0.8386% | 3,423 |
| Return on assets (ROA) | 0.8386% | 3,512 |
| Pretax return on assets | 1.1083% | 3,141 |
| Return on Equity (ROE) | 8.9484% | 2,778 |
| Retained earnings to average equity (ytd only) | 5.5062% | 2,160 |
| Net charge-offs to loans | 0.0320% | 2,749 |
| Credit loss provision to net charge-offs | 700.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 47.1053% | 1,178 |
| Efficiency ratio | 71.1285% | 2,000 |
| Assets per employee ($millions) | 6.6738% | 1,197 |
| Cash dividends to net income (ytd only)* | 38.4669% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 2,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 84.8947% | 249 |
| Net loans and leases to deposits | 103.3545% | 407 |
| Net loans and leases to core deposits | 120.5216% | 465 |
| Total domestic deposits to total assets | 82.1394% | 3,470 |
| Equity capital to assets | 9.3817% | 4,443 |
| Core capital (leverage) ratio | 9.0810% | 4,458 |
| Tier 1 risk-based capital ratio | 10.2799% | 5,077 |
| Total risk-based capital ratio | 11.4181% | 5,042 |
| Memoranda: | ||
| Average total assets | $343,771,200 | 1,934 |
| Average earning assets | $326,139,400 | 1,897 |
| Average equity | $32,218,200 | 2,291 |
| Average total loans | $296,443,000 | 1,620 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4449% | 648 |
| Cost of funding earning assets | 1.8018% | 138 |
| Net interest margin | 3.6431% | 3,119 |
| Noninterest income to average assets | 1.0892% | 772 |
| Noninterest expense to average assets | 3.2172% | 1,433 |
| Loan and lease loss provision to assets | 0.1914% | 936 |
| Net operating income to assets | 0.8552% | 3,502 |
| Return on assets (ROA) | 0.8552% | 3,578 |
| Pretax return on assets | 1.1325% | 3,194 |
| Return on Equity (ROE) | 9.1272% | 2,837 |
| Retained earnings to average equity (ytd only) | 5.6707% | 2,523 |
| Net charge-offs to loans | 0.0394% | 2,300 |
| Credit loss provision to net charge-offs | 563.2184% | 572 |
| Earnings coverage of net charge-offs (x) | 38.9530% | 1,397 |
| Efficiency ratio | 70.6383% | 2,032 |
| Assets per employee ($millions) | 6.2861% | 1,399 |
| Cash dividends to net income (ytd only)* | 37.8714% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 87.3545% | 125 |
| Net loans and leases to deposits | 102.5880% | 473 |
| Net loans and leases to core deposits | 121.4937% | 486 |
| Total domestic deposits to total assets | 85.1508% | 2,369 |
| Equity capital to assets | 9.4766% | 4,474 |
| Core capital (leverage) ratio | 9.1804% | 4,495 |
| Tier 1 risk-based capital ratio | 10.2669% | 5,139 |
| Total risk-based capital ratio | 11.3643% | 5,102 |
| Memoranda: | ||
| Average total assets | $341,286,250 | 1,953 |
| Average earning assets | $323,375,750 | 1,924 |
| Average equity | $31,976,750 | 2,317 |
| Average total loans | $294,604,250 | 1,640 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4093% | 668 |
| Cost of funding earning assets | 1.7810% | 135 |
| Net interest margin | 3.6283% | 3,169 |
| Noninterest income to average assets | 0.9199% | 1,037 |
| Noninterest expense to average assets | 3.0918% | 1,752 |
| Loan and lease loss provision to assets | 0.2001% | 859 |
| Net operating income to assets | 0.8246% | 3,565 |
| Return on assets (ROA) | 0.8246% | 3,623 |
| Pretax return on assets | 1.0683% | 3,328 |
| Return on Equity (ROE) | 8.8351% | 2,922 |
| Retained earnings to average equity (ytd only) | 5.3667% | 2,588 |
| Net charge-offs to loans | 0.0598% | 1,792 |
| Credit loss provision to net charge-offs | 390.8046% | 731 |
| Earnings coverage of net charge-offs (x) | 24.7701% | 1,620 |
| Efficiency ratio | 70.7073% | 2,118 |
| Assets per employee ($millions) | 6.3856% | 1,292 |
| Cash dividends to net income (ytd only)* | 39.2577% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 83.1779% | 450 |
| Net loans and leases to deposits | 95.9253% | 1,045 |
| Net loans and leases to core deposits | 114.7363% | 744 |
| Total domestic deposits to total assets | 86.7111% | 1,725 |
| Equity capital to assets | 9.1791% | 4,673 |
| Core capital (leverage) ratio | 8.9102% | 4,705 |
| Tier 1 risk-based capital ratio | 10.3337% | 5,161 |
| Total risk-based capital ratio | 11.4058% | 5,132 |
| Memoranda: | ||
| Average total assets | $339,803,330 | 1,964 |
| Average earning assets | $322,187,000 | 1,938 |
| Average equity | $31,714,330 | 2,324 |
| Average total loans | $291,017,670 | 1,653 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3635% | 675 |
| Cost of funding earning assets | 1.7406% | 138 |
| Net interest margin | 3.6229% | 3,169 |
| Noninterest income to average assets | 0.8311% | 1,210 |
| Noninterest expense to average assets | 3.1869% | 1,525 |
| Loan and lease loss provision to assets | 0.1497% | 1,124 |
| Net operating income to assets | 0.7246% | 3,859 |
| Return on assets (ROA) | 0.7246% | 3,909 |
| Pretax return on assets | 0.9270% | 3,671 |
| Return on Equity (ROE) | 7.6739% | 3,393 |
| Retained earnings to average equity (ytd only) | 4.1858% | 3,246 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5506% | 1,672 |
| Assets per employee ($millions) | 6.3069% | 1,349 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,341 |
| Loan loss allowance to noncurrent loans | 1,194.9416% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 4,426 |
| Noncurrent loans to loans | 0.0890% | 4,350 |
| Net loans and leases to total assets | 85.5086% | 232 |
| Net loans and leases to deposits | 99.6045% | 665 |
| Net loans and leases to core deposits | 119.5238% | 541 |
| Total domestic deposits to total assets | 85.8482% | 2,340 |
| Equity capital to assets | 9.4924% | 4,266 |
| Core capital (leverage) ratio | 9.1932% | 4,479 |
| Tier 1 risk-based capital ratio | 10.0781% | 5,268 |
| Total risk-based capital ratio | 11.0964% | 5,267 |
| Memoranda: | ||
| Average total assets | $333,995,500 | 2,002 |
| Average earning assets | $316,434,500 | 1,972 |
| Average equity | $31,535,500 | 2,330 |
| Average total loans | $288,862,500 | 1,672 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0309% | 983 |
| Cost of funding earning assets | 1.3128% | 205 |
| Net interest margin | 3.7181% | 2,966 |
| Noninterest income to average assets | 1.2187% | 624 |
| Noninterest expense to average assets | 3.2903% | 1,344 |
| Loan and lease loss provision to assets | 0.1824% | 1,068 |
| Net operating income to assets | 0.9819% | 3,092 |
| Return on assets (ROA) | 0.9819% | 3,089 |
| Pretax return on assets | 1.2608% | 2,650 |
| Return on Equity (ROE) | 10.1400% | 2,459 |
| Retained earnings to average equity (ytd only) | 6.4601% | 1,946 |
| Net charge-offs to loans | 0.0656% | 2,182 |
| Credit loss provision to net charge-offs | 321.7143% | 973 |
| Earnings coverage of net charge-offs (x) | 25.4571% | 1,770 |
| Efficiency ratio | 69.3060% | 2,326 |
| Assets per employee ($millions) | 6.4178% | 1,253 |
| Cash dividends to net income (ytd only)* | 36.2917% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 3,563 |
| Loan loss allowance to noncurrent loans | 1,146.3035% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 4,437 |
| Noncurrent loans to loans | 0.0890% | 4,350 |
| Net loans and leases to total assets | 85.6639% | 258 |
| Net loans and leases to deposits | 102.5420% | 558 |
| Net loans and leases to core deposits | 123.2927% | 460 |
| Total domestic deposits to total assets | 83.5402% | 3,147 |
| Equity capital to assets | 9.3913% | 4,224 |
| Core capital (leverage) ratio | 9.2517% | 4,396 |
| Tier 1 risk-based capital ratio | 9.9416% | 5,321 |
| Total risk-based capital ratio | 10.9157% | 5,330 |
| Memoranda: | ||
| Average total assets | $308,696,200 | 2,098 |
| Average earning assets | $291,819,200 | 2,064 |
| Average equity | $29,891,400 | 2,342 |
| Average total loans | $266,693,600 | 1,747 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9877% | 961 |
| Cost of funding earning assets | 1.2062% | 244 |
| Net interest margin | 3.7815% | 2,708 |
| Noninterest income to average assets | 1.2441% | 621 |
| Noninterest expense to average assets | 3.3615% | 1,174 |
| Loan and lease loss provision to assets | 0.1719% | 1,078 |
| Net operating income to assets | 0.9998% | 3,083 |
| Return on assets (ROA) | 0.9998% | 3,097 |
| Pretax return on assets | 1.2846% | 2,681 |
| Return on Equity (ROE) | 10.2405% | 2,510 |
| Retained earnings to average equity (ytd only) | 6.5155% | 2,376 |
| Net charge-offs to loans | 0.0138% | 2,933 |
| Credit loss provision to net charge-offs | 1,444.4444% | 285 |
| Earnings coverage of net charge-offs (x) | 122.3672% | 647 |
| Efficiency ratio | 69.5764% | 2,259 |
| Assets per employee ($millions) | 6.0081% | 1,478 |
| Cash dividends to net income (ytd only)* | 36.3756% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,271 |
| Loan loss allowance to noncurrent loans | 680.8858% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 4,260 |
| Noncurrent loans to loans | 0.1595% | 4,164 |
| Net loans and leases to total assets | 85.1578% | 349 |
| Net loans and leases to deposits | 102.5640% | 615 |
| Net loans and leases to core deposits | 120.4740% | 561 |
| Total domestic deposits to total assets | 83.0289% | 3,299 |
| Equity capital to assets | 9.6969% | 3,916 |
| Core capital (leverage) ratio | 9.5525% | 4,111 |
| Tier 1 risk-based capital ratio | 10.3077% | 5,291 |
| Total risk-based capital ratio | 11.3431% | 5,302 |
| Memoranda: | ||
| Average total assets | $302,439,500 | 2,146 |
| Average earning assets | $285,840,500 | 2,111 |
| Average equity | $29,529,000 | 2,366 |
| Average total loans | $261,160,500 | 1,781 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 1,275 |
| Cost of funding earning assets | 1.1232% | 263 |
| Net interest margin | 3.6671% | 3,057 |
| Noninterest income to average assets | 1.3955% | 489 |
| Noninterest expense to average assets | 3.4322% | 1,097 |
| Loan and lease loss provision to assets | 0.2146% | 773 |
| Net operating income to assets | 0.9508% | 3,229 |
| Return on assets (ROA) | 0.9508% | 3,240 |
| Pretax return on assets | 1.2196% | 2,874 |
| Return on Equity (ROE) | 9.7152% | 2,705 |
| Retained earnings to average equity (ytd only) | 5.9576% | 2,582 |
| Net charge-offs to loans | 0.0178% | 2,552 |
| Credit loss provision to net charge-offs | 1,395.6522% | 305 |
| Earnings coverage of net charge-offs (x) | 93.2609% | 731 |
| Efficiency ratio | 70.3490% | 2,255 |
| Assets per employee ($millions) | 5.6081% | 1,796 |
| Cash dividends to net income (ytd only)* | 38.6779% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,328 |
| Loan loss allowance to noncurrent loans | 665.7343% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 4,279 |
| Noncurrent loans to loans | 0.1637% | 4,172 |
| Net loans and leases to total assets | 85.6021% | 296 |
| Net loans and leases to deposits | 102.4584% | 629 |
| Net loans and leases to core deposits | 117.9200% | 633 |
| Total domestic deposits to total assets | 83.5481% | 3,235 |
| Equity capital to assets | 9.8248% | 3,799 |
| Core capital (leverage) ratio | 9.3707% | 4,283 |
| Tier 1 risk-based capital ratio | 10.4182% | 5,305 |
| Total risk-based capital ratio | 11.4620% | 5,296 |
| Memoranda: | ||
| Average total assets | $299,112,670 | 2,175 |
| Average earning assets | $283,109,330 | 2,138 |
| Average equity | $29,273,670 | 2,394 |
| Average total loans | $258,557,000 | 1,801 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 1,016 |
| Cost of funding earning assets | 1.0571% | 283 |
| Net interest margin | 3.7695% | 2,546 |
| Noninterest income to average assets | 0.8774% | 1,213 |
| Noninterest expense to average assets | 3.4422% | 1,094 |
| Loan and lease loss provision to assets | 0.1184% | 1,593 |
| Net operating income to assets | 0.6971% | 4,111 |
| Return on assets (ROA) | 0.6971% | 4,117 |
| Pretax return on assets | 0.8868% | 3,886 |
| Return on Equity (ROE) | 7.1365% | 3,731 |
| Retained earnings to average equity (ytd only) | 3.3478% | 3,870 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2163% | 1,431 |
| Assets per employee ($millions) | 5.2986% | 2,142 |
| Cash dividends to net income (ytd only)* | 53.0888% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 3,848 |
| Loan loss allowance to noncurrent loans | 616.7832% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 4,294 |
| Noncurrent loans to loans | 0.1651% | 4,237 |
| Net loans and leases to total assets | 85.1679% | 326 |
| Net loans and leases to deposits | 99.0691% | 778 |
| Net loans and leases to core deposits | 111.7097% | 903 |
| Total domestic deposits to total assets | 85.9682% | 2,560 |
| Equity capital to assets | 9.6420% | 3,950 |
| Core capital (leverage) ratio | 9.3846% | 4,209 |
| Tier 1 risk-based capital ratio | 10.2030% | 5,444 |
| Total risk-based capital ratio | 11.1714% | 5,467 |
| Memoranda: | ||
| Average total assets | $297,251,500 | 2,207 |
| Average earning assets | $281,521,000 | 2,169 |
| Average equity | $29,034,000 | 2,433 |
| Average total loans | $256,791,000 | 1,815 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5249% | 1,634 |
| Cost of funding earning assets | 0.8075% | 590 |
| Net interest margin | 3.7174% | 2,730 |
| Noninterest income to average assets | 1.0855% | 865 |
| Noninterest expense to average assets | 3.3941% | 1,210 |
| Loan and lease loss provision to assets | 0.1812% | 1,183 |
| Net operating income to assets | 0.5489% | 4,229 |
| Return on assets (ROA) | 0.5489% | 4,259 |
| Pretax return on assets | 1.0091% | 3,533 |
| Return on Equity (ROE) | 5.4843% | 3,975 |
| Retained earnings to average equity (ytd only) | 1.6172% | 4,336 |
| Net charge-offs to loans | 0.4400% | 552 |
| Credit loss provision to net charge-offs | 48.2662% | 3,349 |
| Earnings coverage of net charge-offs (x) | 3.1706% | 3,646 |
| Efficiency ratio | 73.7278% | 1,937 |
| Assets per employee ($millions) | 5.6247% | 1,819 |
| Cash dividends to net income (ytd only)* | 70.5128% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,891 |
| Loan loss allowance to noncurrent loans | 223.1239% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 3,293 |
| Noncurrent loans to loans | 0.4517% | 3,160 |
| Net loans and leases to total assets | 85.8699% | 264 |
| Net loans and leases to deposits | 102.5424% | 573 |
| Net loans and leases to core deposits | 113.8334% | 806 |
| Total domestic deposits to total assets | 83.7409% | 3,298 |
| Equity capital to assets | 9.8970% | 3,821 |
| Core capital (leverage) ratio | 9.5681% | 3,951 |
| Tier 1 risk-based capital ratio | 10.3435% | 5,434 |
| Total risk-based capital ratio | 11.3005% | 5,460 |
| Memoranda: | ||
| Average total assets | $284,202,400 | 2,262 |
| Average earning assets | $267,497,600 | 2,227 |
| Average equity | $28,445,000 | 2,467 |
| Average total loans | $242,477,000 | 1,864 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 1,651 |
| Cost of funding earning assets | 0.7596% | 725 |
| Net interest margin | 3.7376% | 2,626 |
| Noninterest income to average assets | 1.0860% | 864 |
| Noninterest expense to average assets | 3.3983% | 1,159 |
| Loan and lease loss provision to assets | 0.1323% | 1,643 |
| Net operating income to assets | 0.6914% | 4,022 |
| Return on assets (ROA) | 0.6914% | 4,091 |
| Pretax return on assets | 1.0737% | 3,408 |
| Return on Equity (ROE) | 6.8879% | 3,727 |
| Retained earnings to average equity (ytd only) | 3.0038% | 4,116 |
| Net charge-offs to loans | 0.1547% | 1,313 |
| Credit loss provision to net charge-offs | 100.7194% | 2,264 |
| Earnings coverage of net charge-offs (x) | 9.1798% | 2,719 |
| Efficiency ratio | 73.4476% | 1,981 |
| Assets per employee ($millions) | 5.1685% | 2,264 |
| Cash dividends to net income (ytd only)* | 56.3908% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,480 |
| Loan loss allowance to noncurrent loans | 155.5222% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 2,397 |
| Noncurrent loans to loans | 0.8211% | 2,317 |
| Net loans and leases to total assets | 84.6367% | 375 |
| Net loans and leases to deposits | 98.1460% | 901 |
| Net loans and leases to core deposits | 117.1565% | 700 |
| Total domestic deposits to total assets | 86.2355% | 2,218 |
| Equity capital to assets | 10.1024% | 3,800 |
| Core capital (leverage) ratio | 9.4827% | 4,191 |
| Tier 1 risk-based capital ratio | 11.1431% | 5,166 |
| Total risk-based capital ratio | 12.3931% | 5,057 |
| Memoranda: | ||
| Average total assets | $282,132,500 | 2,290 |
| Average earning assets | $265,582,750 | 2,254 |
| Average equity | $28,319,500 | 2,490 |
| Average total loans | $239,668,500 | 1,895 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 1,956 |
| Cost of funding earning assets | 0.7023% | 884 |
| Net interest margin | 3.6544% | 2,818 |
| Noninterest income to average assets | 1.1044% | 822 |
| Noninterest expense to average assets | 3.3487% | 1,273 |
| Loan and lease loss provision to assets | 0.1066% | 1,907 |
| Net operating income to assets | 0.7043% | 3,831 |
| Return on assets (ROA) | 0.7043% | 3,895 |
| Pretax return on assets | 1.0845% | 3,240 |
| Return on Equity (ROE) | 7.0317% | 3,537 |
| Retained earnings to average equity (ytd only) | 3.1291% | 3,847 |
| Net charge-offs to loans | 0.2333% | 874 |
| Credit loss provision to net charge-offs | 53.9568% | 2,517 |
| Earnings coverage of net charge-offs (x) | 6.0288% | 2,753 |
| Efficiency ratio | 73.4033% | 2,105 |
| Assets per employee ($millions) | 5.7745% | 1,631 |
| Cash dividends to net income (ytd only)* | 55.4995% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,909 |
| Loan loss allowance to noncurrent loans | 149.3240% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 2,155 |
| Noncurrent loans to loans | 0.8156% | 2,366 |
| Net loans and leases to total assets | 83.7717% | 472 |
| Net loans and leases to deposits | 101.1416% | 666 |
| Net loans and leases to core deposits | 122.9765% | 466 |
| Total domestic deposits to total assets | 82.8262% | 3,621 |
| Equity capital to assets | 9.8779% | 4,050 |
| Core capital (leverage) ratio | 9.6598% | 3,949 |
| Tier 1 risk-based capital ratio | 10.4448% | 5,483 |
| Total risk-based capital ratio | 11.5931% | 5,452 |
| Memoranda: | ||
| Average total assets | $281,420,670 | 2,303 |
| Average earning assets | $264,558,670 | 2,268 |
| Average equity | $28,186,670 | 2,494 |
| Average total loans | $238,322,330 | 1,900 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 1,889 |
| Cost of funding earning assets | 0.6846% | 907 |
| Net interest margin | 3.6420% | 2,727 |
| Noninterest income to average assets | 0.9346% | 1,155 |
| Noninterest expense to average assets | 3.3841% | 1,232 |
| Loan and lease loss provision to assets | 0.0216% | 3,299 |
| Net operating income to assets | 0.6178% | 4,077 |
| Return on assets (ROA) | 0.6178% | 4,133 |
| Pretax return on assets | 0.9533% | 3,577 |
| Return on Equity (ROE) | 6.1242% | 3,847 |
| Retained earnings to average equity (ytd only) | 2.1984% | 4,267 |
| Net charge-offs to loans | 0.3301% | 556 |
| Credit loss provision to net charge-offs | 7.7320% | 2,240 |
| Earnings coverage of net charge-offs (x) | 3.4897% | 2,479 |
| Efficiency ratio | 77.2712% | 1,723 |
| Assets per employee ($millions) | 4.9990% | 2,452 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 2,817 |
| Loan loss allowance to noncurrent loans | 140.6430% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8787% | 2,103 |
| Noncurrent loans to loans | 0.8890% | 2,248 |
| Net loans and leases to total assets | 82.6919% | 491 |
| Net loans and leases to deposits | 99.4164% | 652 |
| Net loans and leases to core deposits | 121.0752% | 437 |
| Total domestic deposits to total assets | 83.1773% | 3,773 |
| Equity capital to assets | 10.0456% | 3,705 |
| Core capital (leverage) ratio | 9.7202% | 3,846 |
| Tier 1 risk-based capital ratio | 10.8487% | 5,385 |
| Total risk-based capital ratio | 12.0336% | 5,340 |
| Memoranda: | ||
| Average total assets | $277,769,000 | 2,341 |
| Average earning assets | $261,174,000 | 2,312 |
| Average equity | $28,020,000 | 2,512 |
| Average total loans | $235,058,000 | 1,926 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 2,172 |
| Cost of funding earning assets | 0.6466% | 1,075 |
| Net interest margin | 3.6437% | 2,915 |
| Noninterest income to average assets | 1.4768% | 538 |
| Noninterest expense to average assets | 3.5345% | 1,109 |
| Loan and lease loss provision to assets | 0.3139% | 596 |
| Net operating income to assets | 0.6831% | 3,858 |
| Return on assets (ROA) | 0.6831% | 3,973 |
| Pretax return on assets | 1.0445% | 3,315 |
| Return on Equity (ROE) | 6.7652% | 3,608 |
| Retained earnings to average equity (ytd only) | 2.8069% | 3,904 |
| Net charge-offs to loans | -0.0013% | 4,672 |
| Credit loss provision to net charge-offs | -28,166.6667% | 5,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0565% | 2,582 |
| Assets per employee ($millions) | 5.1036% | 2,282 |
| Cash dividends to net income (ytd only)* | 58.5101% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 2,432 |
| Loan loss allowance to noncurrent loans | 208.4450% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 2,661 |
| Noncurrent loans to loans | 0.6330% | 2,956 |
| Net loans and leases to total assets | 84.3937% | 350 |
| Net loans and leases to deposits | 101.2622% | 584 |
| Net loans and leases to core deposits | 123.2259% | 400 |
| Total domestic deposits to total assets | 83.3418% | 3,649 |
| Equity capital to assets | 10.1301% | 3,572 |
| Core capital (leverage) ratio | 9.6131% | 3,947 |
| Tier 1 risk-based capital ratio | 10.3395% | 5,643 |
| Total risk-based capital ratio | 11.5446% | 5,600 |
| Memoranda: | ||
| Average total assets | $269,232,400 | 2,369 |
| Average earning assets | $252,406,600 | 2,342 |
| Average equity | $27,183,400 | 2,558 |
| Average total loans | $222,490,800 | 1,961 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 2,378 |
| Cost of funding earning assets | 0.6346% | 1,115 |
| Net interest margin | 3.6047% | 3,057 |
| Noninterest income to average assets | 1.5473% | 512 |
| Noninterest expense to average assets | 3.5021% | 1,144 |
| Loan and lease loss provision to assets | 0.3686% | 420 |
| Net operating income to assets | 0.6920% | 3,895 |
| Return on assets (ROA) | 0.6920% | 4,028 |
| Pretax return on assets | 1.0526% | 3,419 |
| Return on Equity (ROE) | 6.8591% | 3,633 |
| Retained earnings to average equity (ytd only) | 2.9037% | 4,158 |
| Net charge-offs to loans | -0.0030% | 4,527 |
| Credit loss provision to net charge-offs | -14,800.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9501% | 2,751 |
| Assets per employee ($millions) | 5.6514% | 1,712 |
| Cash dividends to net income (ytd only)* | 57.6673% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 2,446 |
| Loan loss allowance to noncurrent loans | 201.5416% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 1.0026% | 2,060 |
| Noncurrent loans to loans | 0.6687% | 3,020 |
| Net loans and leases to total assets | 77.8984% | 1,216 |
| Net loans and leases to deposits | 89.9137% | 1,768 |
| Net loans and leases to core deposits | 109.0309% | 982 |
| Total domestic deposits to total assets | 86.6368% | 2,061 |
| Equity capital to assets | 9.8900% | 4,253 |
| Core capital (leverage) ratio | 9.5071% | 4,173 |
| Tier 1 risk-based capital ratio | 10.6921% | 5,528 |
| Total risk-based capital ratio | 11.9049% | 5,462 |
| Memoranda: | ||
| Average total assets | $267,642,000 | 2,391 |
| Average earning assets | $250,669,500 | 2,368 |
| Average equity | $26,999,750 | 2,586 |
| Average total loans | $219,190,000 | 1,986 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,463 |
| Cost of funding earning assets | 0.6116% | 1,235 |
| Net interest margin | 3.6044% | 3,086 |
| Noninterest income to average assets | 1.3028% | 676 |
| Noninterest expense to average assets | 3.5360% | 1,105 |
| Loan and lease loss provision to assets | 0.1462% | 1,566 |
| Net operating income to assets | 0.6434% | 4,080 |
| Return on assets (ROA) | 0.6434% | 4,218 |
| Pretax return on assets | 0.9952% | 3,604 |
| Return on Equity (ROE) | 6.3333% | 3,887 |
| Retained earnings to average equity (ytd only) | 2.3984% | 4,354 |
| Net charge-offs to loans | -0.0046% | 4,502 |
| Credit loss provision to net charge-offs | -3,840.0000% | 5,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5982% | 2,130 |
| Assets per employee ($millions) | 5.1322% | 2,161 |
| Cash dividends to net income (ytd only)* | 62.1302% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 4,051 |
| Loan loss allowance to noncurrent loans | 103.9746% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.9870% | 2,167 |
| Noncurrent loans to loans | 1.0387% | 2,205 |
| Net loans and leases to total assets | 79.7923% | 941 |
| Net loans and leases to deposits | 92.1862% | 1,487 |
| Net loans and leases to core deposits | 112.2042% | 804 |
| Total domestic deposits to total assets | 86.5556% | 2,134 |
| Equity capital to assets | 9.8097% | 4,440 |
| Core capital (leverage) ratio | 9.7747% | 3,839 |
| Tier 1 risk-based capital ratio | 11.2690% | 5,287 |
| Total risk-based capital ratio | 12.3250% | 5,299 |
| Memoranda: | ||
| Average total assets | $262,666,670 | 2,436 |
| Average earning assets | $245,919,330 | 2,417 |
| Average equity | $26,684,330 | 2,618 |
| Average total loans | $217,879,000 | 1,999 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 1,719 |
| Cost of funding earning assets | 0.6278% | 1,166 |
| Net interest margin | 3.7991% | 2,291 |
| Noninterest income to average assets | 1.0741% | 937 |
| Noninterest expense to average assets | 3.4627% | 1,254 |
| Loan and lease loss provision to assets | 0.0743% | 2,473 |
| Net operating income to assets | 0.6960% | 3,733 |
| Return on assets (ROA) | 0.6960% | 3,846 |
| Pretax return on assets | 1.0788% | 3,177 |
| Return on Equity (ROE) | 6.7223% | 3,602 |
| Retained earnings to average equity (ytd only) | 2.9028% | 4,065 |
| Net charge-offs to loans | -0.0094% | 4,501 |
| Credit loss provision to net charge-offs | -940.0000% | 4,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8115% | 2,353 |
| Assets per employee ($millions) | 5.0261% | 2,316 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 4,163 |
| Loan loss allowance to noncurrent loans | 151.8373% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7720% | 2,767 |
| Noncurrent loans to loans | 0.7117% | 3,063 |
| Net loans and leases to total assets | 82.6296% | 489 |
| Net loans and leases to deposits | 97.0897% | 832 |
| Net loans and leases to core deposits | 114.0630% | 668 |
| Total domestic deposits to total assets | 85.1065% | 3,088 |
| Equity capital to assets | 10.7466% | 3,207 |
| Core capital (leverage) ratio | 10.4922% | 2,976 |
| Tier 1 risk-based capital ratio | 11.7222% | 5,098 |
| Total risk-based capital ratio | 12.7611% | 5,129 |
| Memoranda: | ||
| Average total assets | $252,863,500 | 2,519 |
| Average earning assets | $235,738,500 | 2,499 |
| Average equity | $26,181,500 | 2,645 |
| Average total loans | $212,973,000 | 2,030 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 1,301 |
| Cost of funding earning assets | 0.6319% | 1,164 |
| Net interest margin | 3.9811% | 1,781 |
| Noninterest income to average assets | 1.1961% | 838 |
| Noninterest expense to average assets | 3.8150% | 849 |
| Loan and lease loss provision to assets | 0.3332% | 473 |
| Net operating income to assets | 0.5450% | 4,523 |
| Return on assets (ROA) | 0.5450% | 4,613 |
| Pretax return on assets | 0.7532% | 4,353 |
| Return on Equity (ROE) | 5.2842% | 4,380 |
| Retained earnings to average equity (ytd only) | -0.0087% | 5,511 |
| Net charge-offs to loans | 0.1548% | 1,826 |
| Credit loss provision to net charge-offs | 256.4014% | 1,120 |
| Earnings coverage of net charge-offs (x) | 8.3599% | 2,964 |
| Efficiency ratio | 77.6147% | 2,027 |
| Assets per employee ($millions) | 5.1957% | 2,125 |
| Cash dividends to net income (ytd only)* | 100.1650% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 4,221 |
| Loan loss allowance to noncurrent loans | 148.4252% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.7935% | 2,686 |
| Noncurrent loans to loans | 0.7195% | 3,028 |
| Net loans and leases to total assets | 84.0289% | 391 |
| Net loans and leases to deposits | 100.3510% | 650 |
| Net loans and leases to core deposits | 117.1640% | 570 |
| Total domestic deposits to total assets | 83.7350% | 3,580 |
| Equity capital to assets | 9.9505% | 4,021 |
| Core capital (leverage) ratio | 9.8758% | 3,679 |
| Tier 1 risk-based capital ratio | 10.0190% | 5,949 |
| Total risk-based capital ratio | 10.9866% | 5,984 |
| Memoranda: | ||
| Average total assets | $222,384,000 | 2,729 |
| Average earning assets | $206,979,600 | 2,703 |
| Average equity | $22,936,200 | 2,880 |
| Average total loans | $186,692,200 | 2,180 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 1,226 |
| Cost of funding earning assets | 0.6338% | 1,186 |
| Net interest margin | 4.0092% | 1,666 |
| Noninterest income to average assets | 1.1550% | 897 |
| Noninterest expense to average assets | 3.7767% | 880 |
| Loan and lease loss provision to assets | 0.2881% | 534 |
| Net operating income to assets | 0.5194% | 4,723 |
| Return on assets (ROA) | 0.5194% | 4,813 |
| Pretax return on assets | 0.8217% | 4,269 |
| Return on Equity (ROE) | 4.9851% | 4,634 |
| Retained earnings to average equity (ytd only) | -0.0771% | 5,611 |
| Net charge-offs to loans | 0.2121% | 1,228 |
| Credit loss provision to net charge-offs | 162.3693% | 1,583 |
| Earnings coverage of net charge-offs (x) | 6.2543% | 3,075 |
| Efficiency ratio | 77.0340% | 2,087 |
| Assets per employee ($millions) | 4.5029% | 3,003 |
| Cash dividends to net income (ytd only)* | 101.5474% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 4,500 |
| Loan loss allowance to noncurrent loans | 122.2495% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.9066% | 2,606 |
| Noncurrent loans to loans | 0.8546% | 2,837 |
| Net loans and leases to total assets | 82.0312% | 575 |
| Net loans and leases to deposits | 96.1486% | 989 |
| Net loans and leases to core deposits | 106.8549% | 1,042 |
| Total domestic deposits to total assets | 85.3171% | 2,876 |
| Equity capital to assets | 10.6184% | 3,453 |
| Core capital (leverage) ratio | 10.0648% | 3,543 |
| Tier 1 risk-based capital ratio | 11.0516% | 5,633 |
| Total risk-based capital ratio | 12.0072% | 5,711 |
| Memoranda: | ||
| Average total assets | $215,631,500 | 2,813 |
| Average earning assets | $200,698,000 | 2,794 |
| Average equity | $22,466,250 | 2,944 |
| Average total loans | $180,409,000 | 2,244 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 1,153 |
| Cost of funding earning assets | 0.6204% | 1,286 |
| Net interest margin | 4.0359% | 1,531 |
| Noninterest income to average assets | 1.1405% | 923 |
| Noninterest expense to average assets | 3.7382% | 945 |
| Loan and lease loss provision to assets | 0.3034% | 505 |
| Net operating income to assets | 0.5385% | 4,619 |
| Return on assets (ROA) | 0.5385% | 4,728 |
| Pretax return on assets | 0.8551% | 4,108 |
| Return on Equity (ROE) | 5.2046% | 4,522 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,501 |
| Net charge-offs to loans | 0.1525% | 1,573 |
| Credit loss provision to net charge-offs | 237.0370% | 1,085 |
| Earnings coverage of net charge-offs (x) | 9.0519% | 2,495 |
| Efficiency ratio | 76.0697% | 2,344 |
| Assets per employee ($millions) | 4.4611% | 3,043 |
| Cash dividends to net income (ytd only)* | 100.0000% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 4,541 |
| Loan loss allowance to noncurrent loans | 145.3023% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 2,976 |
| Noncurrent loans to loans | 0.7292% | 3,292 |
| Net loans and leases to total assets | 81.8814% | 566 |
| Net loans and leases to deposits | 96.0363% | 961 |
| Net loans and leases to core deposits | 107.6433% | 980 |
| Total domestic deposits to total assets | 85.2609% | 3,019 |
| Equity capital to assets | 9.8138% | 4,259 |
| Core capital (leverage) ratio | 9.6623% | 4,054 |
| Tier 1 risk-based capital ratio | 10.0471% | 6,077 |
| Total risk-based capital ratio | 11.0030% | 6,118 |
| Memoranda: | ||
| Average total assets | $210,959,330 | 2,874 |
| Average earning assets | $196,338,670 | 2,857 |
| Average equity | $21,826,670 | 3,016 |
| Average total loans | $177,088,000 | 2,284 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 1,107 |
| Cost of funding earning assets | 0.6008% | 1,433 |
| Net interest margin | 4.0601% | 1,385 |
| Noninterest income to average assets | 1.0164% | 1,082 |
| Noninterest expense to average assets | 3.7122% | 997 |
| Loan and lease loss provision to assets | 0.3158% | 437 |
| Net operating income to assets | 0.5052% | 4,658 |
| Return on assets (ROA) | 0.5052% | 4,777 |
| Pretax return on assets | 0.7894% | 4,280 |
| Return on Equity (ROE) | 4.7460% | 4,643 |
| Retained earnings to average equity (ytd only) | -0.5191% | 5,472 |
| Net charge-offs to loans | 0.2589% | 927 |
| Credit loss provision to net charge-offs | 144.1441% | 1,285 |
| Earnings coverage of net charge-offs (x) | 5.0450% | 2,426 |
| Efficiency ratio | 76.7718% | 2,380 |
| Assets per employee ($millions) | 5.0019% | 2,354 |
| Cash dividends to net income (ytd only)* | 110.9375% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 4,781 |
| Loan loss allowance to noncurrent loans | 152.2523% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 3,203 |
| Noncurrent loans to loans | 0.6874% | 3,558 |
| Net loans and leases to total assets | 81.7240% | 489 |
| Net loans and leases to deposits | 95.6645% | 851 |
| Net loans and leases to core deposits | 103.8805% | 1,070 |
| Total domestic deposits to total assets | 85.4277% | 3,209 |
| Equity capital to assets | 10.3687% | 3,691 |
| Core capital (leverage) ratio | 10.4458% | 3,035 |
| Tier 1 risk-based capital ratio | 11.0750% | 5,772 |
| Total risk-based capital ratio | 12.0600% | 5,818 |
| Memoranda: | ||
| Average total assets | $202,680,500 | 2,982 |
| Average earning assets | $189,750,500 | 2,948 |
| Average equity | $21,576,000 | 3,068 |
| Average total loans | $171,487,500 | 2,356 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 983 |
| Cost of funding earning assets | 0.6401% | 1,474 |
| Net interest margin | 4.2255% | 1,230 |
| Noninterest income to average assets | 1.2060% | 822 |
| Noninterest expense to average assets | 3.9000% | 857 |
| Loan and lease loss provision to assets | 0.1506% | 1,741 |
| Net operating income to assets | 0.6626% | 4,074 |
| Return on assets (ROA) | 0.6626% | 4,173 |
| Pretax return on assets | 1.0703% | 3,204 |
| Return on Equity (ROE) | 6.6736% | 3,804 |
| Retained earnings to average equity (ytd only) | 3.0228% | 4,091 |
| Net charge-offs to loans | 0.0186% | 4,480 |
| Credit loss provision to net charge-offs | 941.3793% | 285 |
| Earnings coverage of net charge-offs (x) | 76.3103% | 660 |
| Efficiency ratio | 75.8565% | 2,527 |
| Assets per employee ($millions) | 4.4251% | 3,155 |
| Cash dividends to net income (ytd only)* | 54.7044% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 4,564 |
| Loan loss allowance to noncurrent loans | 135.5805% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.9223% | 2,907 |
| Noncurrent loans to loans | 0.8074% | 3,293 |
| Net loans and leases to total assets | 85.9434% | 209 |
| Net loans and leases to deposits | 97.0851% | 824 |
| Net loans and leases to core deposits | 103.7047% | 1,144 |
| Total domestic deposits to total assets | 88.5238% | 1,515 |
| Equity capital to assets | 10.9580% | 2,937 |
| Core capital (leverage) ratio | 10.3104% | 3,154 |
| Tier 1 risk-based capital ratio | 10.8961% | 5,949 |
| Total risk-based capital ratio | 11.9111% | 5,980 |
| Memoranda: | ||
| Average total assets | $181,254,800 | 3,195 |
| Average earning assets | $167,932,600 | 3,181 |
| Average equity | $17,996,400 | 3,398 |
| Average total loans | $155,748,400 | 2,485 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 922 |
| Cost of funding earning assets | 0.6413% | 1,519 |
| Net interest margin | 4.2628% | 1,125 |
| Noninterest income to average assets | 1.2529% | 773 |
| Noninterest expense to average assets | 3.9061% | 835 |
| Loan and lease loss provision to assets | 0.1959% | 1,227 |
| Net operating income to assets | 0.6771% | 4,063 |
| Return on assets (ROA) | 0.6771% | 4,152 |
| Pretax return on assets | 1.0920% | 3,219 |
| Return on Equity (ROE) | 7.0126% | 3,707 |
| Retained earnings to average equity (ytd only) | 3.2324% | 4,331 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9032% | 2,676 |
| Assets per employee ($millions) | 4.0308% | 3,810 |
| Cash dividends to net income (ytd only)* | 53.9056% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 4,421 |
| Loan loss allowance to noncurrent loans | 109.2593% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2151% | 2,523 |
| Noncurrent loans to loans | 1.0650% | 2,944 |
| Net loans and leases to total assets | 85.6482% | 211 |
| Net loans and leases to deposits | 100.2155% | 600 |
| Net loans and leases to core deposits | 108.2690% | 833 |
| Total domestic deposits to total assets | 85.4641% | 3,127 |
| Equity capital to assets | 9.7809% | 4,443 |
| Core capital (leverage) ratio | 9.1985% | 4,792 |
| Tier 1 risk-based capital ratio | 9.7437% | 6,398 |
| Total risk-based capital ratio | 10.8368% | 6,397 |
| Memoranda: | ||
| Average total assets | $178,998,250 | 3,244 |
| Average earning assets | $165,490,000 | 3,240 |
| Average equity | $17,282,750 | 3,499 |
| Average total loans | $153,349,500 | 2,524 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9336% | 849 |
| Cost of funding earning assets | 0.6479% | 1,528 |
| Net interest margin | 4.2856% | 1,052 |
| Noninterest income to average assets | 1.2121% | 794 |
| Noninterest expense to average assets | 3.8799% | 873 |
| Loan and lease loss provision to assets | 0.2536% | 856 |
| Net operating income to assets | 0.6476% | 4,111 |
| Return on assets (ROA) | 0.6476% | 4,213 |
| Pretax return on assets | 1.0426% | 3,309 |
| Return on Equity (ROE) | 6.7367% | 3,763 |
| Retained earnings to average equity (ytd only) | 3.0940% | 4,232 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6748% | 2,860 |
| Assets per employee ($millions) | 3.9392% | 3,976 |
| Cash dividends to net income (ytd only)* | 54.0728% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 4,501 |
| Loan loss allowance to noncurrent loans | 101.5873% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.2958% | 2,523 |
| Noncurrent loans to loans | 1.1650% | 2,896 |
| Net loans and leases to total assets | 84.4046% | 272 |
| Net loans and leases to deposits | 97.1192% | 729 |
| Net loans and leases to core deposits | 104.9207% | 963 |
| Total domestic deposits to total assets | 86.9082% | 2,505 |
| Equity capital to assets | 9.9343% | 4,197 |
| Core capital (leverage) ratio | 9.0741% | 4,901 |
| Tier 1 risk-based capital ratio | 9.9551% | 6,412 |
| Total risk-based capital ratio | 11.0598% | 6,417 |
| Memoranda: | ||
| Average total assets | $178,202,670 | 3,271 |
| Average earning assets | $164,829,670 | 3,257 |
| Average equity | $17,130,000 | 3,528 |
| Average total loans | $152,072,000 | 2,546 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 951 |
| Cost of funding earning assets | 0.6486% | 1,589 |
| Net interest margin | 4.1991% | 1,224 |
| Noninterest income to average assets | 1.1462% | 850 |
| Noninterest expense to average assets | 3.7812% | 1,015 |
| Loan and lease loss provision to assets | 0.1970% | 1,189 |
| Net operating income to assets | 0.6560% | 3,915 |
| Return on assets (ROA) | 0.6560% | 4,015 |
| Pretax return on assets | 1.0522% | 3,125 |
| Return on Equity (ROE) | 6.9390% | 3,510 |
| Retained earnings to average equity (ytd only) | 3.2445% | 4,174 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8554% | 2,991 |
| Assets per employee ($millions) | 3.5612% | 4,803 |
| Cash dividends to net income (ytd only)* | 53.2423% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 5,234 |
| Loan loss allowance to noncurrent loans | 94.1377% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.2883% | 2,715 |
| Noncurrent loans to loans | 1.1404% | 3,138 |
| Net loans and leases to total assets | 85.5964% | 158 |
| Net loans and leases to deposits | 98.0060% | 544 |
| Net loans and leases to core deposits | 116.7343% | 391 |
| Total domestic deposits to total assets | 87.3380% | 2,610 |
| Equity capital to assets | 9.5232% | 4,469 |
| Core capital (leverage) ratio | 8.7684% | 5,301 |
| Tier 1 risk-based capital ratio | 9.4071% | 6,563 |
| Total risk-based capital ratio | 10.4096% | 6,578 |
| Memoranda: | ||
| Average total assets | $178,672,000 | 3,293 |
| Average earning assets | $165,272,000 | 3,275 |
| Average equity | $16,890,000 | 3,566 |
| Average total loans | $152,402,500 | 2,550 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 919 |
| Cost of funding earning assets | 0.6740% | 2,007 |
| Net interest margin | 4.3279% | 1,041 |
| Noninterest income to average assets | 1.1847% | 1,011 |
| Noninterest expense to average assets | 4.0814% | 797 |
| Loan and lease loss provision to assets | 0.1926% | 1,919 |
| Net operating income to assets | 0.5560% | 4,474 |
| Return on assets (ROA) | 0.5560% | 4,604 |
| Pretax return on assets | 0.8863% | 3,819 |
| Return on Equity (ROE) | 5.3220% | 4,486 |
| Retained earnings to average equity (ytd only) | 1.4892% | 5,147 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7224% | 2,357 |
| Assets per employee ($millions) | 3.8146% | 4,236 |
| Cash dividends to net income (ytd only)* | 72.0183% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 5,381 |
| Loan loss allowance to noncurrent loans | 119.2688% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.0347% | 3,356 |
| Noncurrent loans to loans | 0.8710% | 3,802 |
| Net loans and leases to total assets | 83.2043% | 312 |
| Net loans and leases to deposits | 97.8819% | 597 |
| Net loans and leases to core deposits | 107.5052% | 721 |
| Total domestic deposits to total assets | 85.0048% | 3,749 |
| Equity capital to assets | 9.3834% | 4,566 |
| Core capital (leverage) ratio | 8.8885% | 5,155 |
| Tier 1 risk-based capital ratio | 9.4517% | 6,609 |
| Total risk-based capital ratio | 10.4139% | 6,628 |
| Memoranda: | ||
| Average total assets | $156,832,400 | 3,604 |
| Average earning assets | $144,066,600 | 3,600 |
| Average equity | $16,384,800 | 3,642 |
| Average total loans | $129,825,000 | 2,871 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 838 |
| Cost of funding earning assets | 0.6677% | 2,196 |
| Net interest margin | 4.3901% | 917 |
| Noninterest income to average assets | 1.0880% | 1,239 |
| Noninterest expense to average assets | 4.1740% | 706 |
| Loan and lease loss provision to assets | 0.1234% | 2,750 |
| Net operating income to assets | 0.5131% | 4,747 |
| Return on assets (ROA) | 0.5131% | 4,896 |
| Pretax return on assets | 0.8138% | 4,247 |
| Return on Equity (ROE) | 4.7679% | 4,845 |
| Retained earnings to average equity (ytd only) | 0.9094% | 5,614 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2834% | 1,935 |
| Assets per employee ($millions) | 3.7593% | 4,324 |
| Cash dividends to net income (ytd only)* | 80.9273% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 5,543 |
| Loan loss allowance to noncurrent loans | 114.0536% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.0469% | 3,559 |
| Noncurrent loans to loans | 0.9157% | 3,985 |
| Net loans and leases to total assets | 78.6344% | 687 |
| Net loans and leases to deposits | 91.1992% | 1,045 |
| Net loans and leases to core deposits | 100.5510% | 1,075 |
| Total domestic deposits to total assets | 86.2227% | 3,123 |
| Equity capital to assets | 9.8753% | 4,081 |
| Core capital (leverage) ratio | 9.5457% | 4,341 |
| Tier 1 risk-based capital ratio | 10.4477% | 6,472 |
| Total risk-based capital ratio | 11.4095% | 6,520 |
| Memoranda: | ||
| Average total assets | $151,219,500 | 3,719 |
| Average earning assets | $138,582,500 | 3,720 |
| Average equity | $16,275,250 | 3,700 |
| Average total loans | $124,596,750 | 2,964 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0778% | 803 |
| Cost of funding earning assets | 0.6589% | 2,417 |
| Net interest margin | 4.4189% | 822 |
| Noninterest income to average assets | 1.0948% | 1,270 |
| Noninterest expense to average assets | 4.2345% | 669 |
| Loan and lease loss provision to assets | 0.0826% | 3,417 |
| Net operating income to assets | 0.5302% | 4,665 |
| Return on assets (ROA) | 0.5302% | 4,833 |
| Pretax return on assets | 0.8317% | 4,192 |
| Return on Equity (ROE) | 4.7732% | 4,847 |
| Retained earnings to average equity (ytd only) | 0.8679% | 5,551 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8668% | 1,903 |
| Assets per employee ($millions) | 3.3369% | 5,196 |
| Cash dividends to net income (ytd only)* | 81.8182% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 5,601 |
| Loan loss allowance to noncurrent loans | 4,565.5172% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 5,357 |
| Noncurrent loans to loans | 0.0231% | 6,346 |
| Net loans and leases to total assets | 80.8217% | 458 |
| Net loans and leases to deposits | 95.1168% | 727 |
| Net loans and leases to core deposits | 101.8037% | 953 |
| Total domestic deposits to total assets | 84.9709% | 3,902 |
| Equity capital to assets | 10.8472% | 2,896 |
| Core capital (leverage) ratio | 10.2729% | 3,133 |
| Tier 1 risk-based capital ratio | 11.1464% | 6,268 |
| Total risk-based capital ratio | 12.1166% | 6,361 |
| Memoranda: | ||
| Average total assets | $145,236,330 | 3,853 |
| Average earning assets | $133,246,670 | 3,838 |
| Average equity | $16,131,670 | 3,752 |
| Average total loans | $121,319,330 | 3,046 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 732 |
| Cost of funding earning assets | 0.6325% | 2,821 |
| Net interest margin | 4.4769% | 705 |
| Noninterest income to average assets | 0.9751% | 1,535 |
| Noninterest expense to average assets | 4.2748% | 647 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5103% | 4,605 |
| Return on assets (ROA) | 0.5103% | 4,752 |
| Pretax return on assets | 0.8136% | 4,120 |
| Return on Equity (ROE) | 4.5361% | 4,821 |
| Retained earnings to average equity (ytd only) | 2.8477% | 4,571 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6212% | 1,817 |
| Assets per employee ($millions) | 3.2651% | 5,512 |
| Cash dividends to net income (ytd only)* | 37.2222% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 5,833 |
| Loan loss allowance to noncurrent loans | 245.4369% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 5,246 |
| Noncurrent loans to loans | 0.4238% | 5,358 |
| Net loans and leases to total assets | 83.7122% | 201 |
| Net loans and leases to deposits | 98.0363% | 441 |
| Net loans and leases to core deposits | 105.2730% | 668 |
| Total domestic deposits to total assets | 85.3890% | 3,851 |
| Equity capital to assets | 11.0840% | 2,865 |
| Core capital (leverage) ratio | 10.6002% | 2,650 |
| Tier 1 risk-based capital ratio | 11.2129% | 6,305 |
| Total risk-based capital ratio | 12.1935% | 6,400 |
| Memoranda: | ||
| Average total assets | $141,106,500 | 3,961 |
| Average earning assets | $129,644,500 | 3,947 |
| Average equity | $15,872,500 | 3,837 |
| Average total loans | $119,288,000 | 3,101 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4669% | 668 |
| Cost of funding earning assets | 0.6637% | 3,799 |
| Net interest margin | 4.8033% | 534 |
| Noninterest income to average assets | 1.6171% | 607 |
| Noninterest expense to average assets | 4.5040% | 574 |
| Loan and lease loss provision to assets | 0.2366% | 2,770 |
| Net operating income to assets | 0.7888% | 3,332 |
| Return on assets (ROA) | 0.7888% | 3,585 |
| Pretax return on assets | 1.2698% | 2,524 |
| Return on Equity (ROE) | 7.5931% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.5931% | 1,286 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5221% | 2,984 |
| Assets per employee ($millions) | 3.2220% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 5,629 |
| Loan loss allowance to noncurrent loans | 251.2922% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 5,321 |
| Noncurrent loans to loans | 0.4297% | 5,421 |
| Net loans and leases to total assets | 83.5688% | 241 |
| Net loans and leases to deposits | 94.6682% | 705 |
| Net loans and leases to core deposits | 100.8932% | 969 |
| Total domestic deposits to total assets | 88.2755% | 2,045 |
| Equity capital to assets | 11.4192% | 2,516 |
| Core capital (leverage) ratio | 11.8020% | 1,666 |
| Tier 1 risk-based capital ratio | 11.6699% | 5,979 |
| Total risk-based capital ratio | 12.6985% | 6,102 |
| Memoranda: | ||
| Average total assets | $116,630,200 | 4,426 |
| Average earning assets | $106,677,600 | 4,425 |
| Average equity | $12,116,200 | 4,546 |
| Average total loans | $98,041,800 | 3,572 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5969% | 559 |
| Cost of funding earning assets | 0.6903% | 3,850 |
| Net interest margin | 4.9067% | 464 |
| Noninterest income to average assets | 1.2631% | 929 |
| Noninterest expense to average assets | 4.4503% | 571 |
| Loan and lease loss provision to assets | 0.1919% | 3,188 |
| Net operating income to assets | 0.6897% | 3,956 |
| Return on assets (ROA) | 0.6897% | 4,214 |
| Pretax return on assets | 1.1060% | 3,333 |
| Return on Equity (ROE) | 6.8512% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.8512% | 2,206 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9616% | 2,528 |
| Assets per employee ($millions) | 3.1677% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 5,396 |
| Loan loss allowance to noncurrent loans | 3,478.7879% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 6,340 |
| Noncurrent loans to loans | 0.0338% | 6,534 |
| Net loans and leases to total assets | 82.3376% | 317 |
| Net loans and leases to deposits | 91.5423% | 1,016 |
| Net loans and leases to core deposits | 96.2124% | 1,398 |
| Total domestic deposits to total assets | 89.9449% | 880 |
| Equity capital to assets | 9.7966% | 4,789 |
| Core capital (leverage) ratio | 8.7510% | 5,400 |
| Tier 1 risk-based capital ratio | 9.7334% | 6,858 |
| Total risk-based capital ratio | 10.8512% | 6,873 |
| Memoranda: | ||
| Average total assets | $111,151,000 | 4,612 |
| Average earning assets | $101,601,000 | 4,604 |
| Average equity | $11,190,000 | 4,768 |
| Average total loans | $93,290,750 | 3,708 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6373% | 542 |
| Cost of funding earning assets | 0.7027% | 3,995 |
| Net interest margin | 4.9347% | 439 |
| Noninterest income to average assets | 1.1692% | 1,043 |
| Noninterest expense to average assets | 4.4588% | 574 |
| Loan and lease loss provision to assets | 0.1649% | 3,454 |
| Net operating income to assets | 0.6597% | 4,063 |
| Return on assets (ROA) | 0.6597% | 4,321 |
| Pretax return on assets | 1.0629% | 3,451 |
| Return on Equity (ROE) | 6.4908% | 4,052 |
| Retained earnings to average equity (ytd only) | 6.4908% | 2,387 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9890% | 2,456 |
| Assets per employee ($millions) | 3.7913% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 5,568 |
| Loan loss allowance to noncurrent loans | 3,080.0000% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 6,392 |
| Noncurrent loans to loans | 0.0374% | 6,589 |
| Net loans and leases to total assets | 81.4375% | 375 |
| Net loans and leases to deposits | 90.6109% | 1,083 |
| Net loans and leases to core deposits | 103.3253% | 900 |
| Total domestic deposits to total assets | 89.8760% | 998 |
| Equity capital to assets | 9.8998% | 4,489 |
| Core capital (leverage) ratio | 8.9578% | 4,971 |
| Tier 1 risk-based capital ratio | 9.8684% | 6,857 |
| Total risk-based capital ratio | 10.9561% | 6,879 |
| Memoranda: | ||
| Average total assets | $109,133,330 | 4,689 |
| Average earning assets | $99,905,330 | 4,670 |
| Average equity | $11,092,670 | 4,791 |
| Average total loans | $91,837,330 | 3,760 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6475% | 575 |
| Cost of funding earning assets | 0.6958% | 4,320 |
| Net interest margin | 4.9517% | 432 |
| Noninterest income to average assets | 1.1869% | 1,018 |
| Noninterest expense to average assets | 4.4145% | 591 |
| Loan and lease loss provision to assets | 0.2621% | 2,360 |
| Net operating income to assets | 0.6440% | 4,145 |
| Return on assets (ROA) | 0.6440% | 4,353 |
| Pretax return on assets | 1.0671% | 3,449 |
| Return on Equity (ROE) | 6.2494% | 4,164 |
| Retained earnings to average equity (ytd only) | 6.2494% | 2,819 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4668% | 2,720 |
| Assets per employee ($millions) | 3.7377% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 5,658 |
| Loan loss allowance to noncurrent loans | 3,022.8571% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 6,456 |
| Noncurrent loans to loans | 0.0385% | 6,662 |
| Net loans and leases to total assets | 82.8367% | 233 |
| Net loans and leases to deposits | 94.4224% | 633 |
| Net loans and leases to core deposits | 99.6913% | 1,008 |
| Total domestic deposits to total assets | 87.7299% | 2,507 |
| Equity capital to assets | 10.2450% | 3,796 |
| Core capital (leverage) ratio | 9.1418% | 4,621 |
| Tier 1 risk-based capital ratio | 10.2616% | 6,809 |
| Total risk-based capital ratio | 11.3934% | 6,838 |
| Memoranda: | ||
| Average total assets | $106,830,000 | 4,774 |
| Average earning assets | $98,309,000 | 4,735 |
| Average equity | $11,009,000 | 4,822 |
| Average total loans | $90,903,500 | 3,802 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5944% | 969 |
| Cost of funding earning assets | 1.0601% | 2,956 |
| Net interest margin | 4.5343% | 1,059 |
| Noninterest income to average assets | 0.9132% | 1,630 |
| Noninterest expense to average assets | 4.0997% | 910 |
| Loan and lease loss provision to assets | 0.1191% | 5,112 |
| Net operating income to assets | 0.9243% | 2,509 |
| Return on assets (ROA) | 0.9243% | 2,627 |
| Pretax return on assets | 0.8506% | 3,770 |
| Return on Equity (ROE) | 9.1679% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.1679% | 760 |
| Net charge-offs to loans | -0.0012% | 6,789 |
| Credit loss provision to net charge-offs | -11,800.0000% | 6,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3344% | 2,258 |
| Assets per employee ($millions) | 3.6299% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 5,867 |
| Loan loss allowance to noncurrent loans | 2,670.2703% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 6,492 |
| Noncurrent loans to loans | 0.0407% | 6,727 |
| Net loans and leases to total assets | 85.4701% | 149 |
| Net loans and leases to deposits | 97.6174% | 584 |
| Net loans and leases to core deposits | 103.2227% | 952 |
| Total domestic deposits to total assets | 87.5563% | 2,439 |
| Equity capital to assets | 10.3671% | 3,690 |
| Core capital (leverage) ratio | 9.3921% | 4,193 |
| Tier 1 risk-based capital ratio | 10.1814% | 6,807 |
| Total risk-based capital ratio | 11.2492% | 6,850 |
| Memoranda: | ||
| Average total assets | $99,105,400 | 4,913 |
| Average earning assets | $90,840,400 | 4,899 |
| Average equity | $9,991,400 | 5,023 |
| Average total loans | $83,291,000 | 4,041 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9917% | 470 |
| Cost of funding earning assets | 1.1702% | 2,507 |
| Net interest margin | 4.8215% | 602 |
| Noninterest income to average assets | 0.3799% | 4,814 |
| Noninterest expense to average assets | 3.9576% | 1,058 |
| Loan and lease loss provision to assets | 0.1449% | 4,633 |
| Net operating income to assets | 0.8965% | 2,752 |
| Return on assets (ROA) | 0.8965% | 2,902 |
| Pretax return on assets | 0.6805% | 4,550 |
| Return on Equity (ROE) | 8.9606% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.9606% | 1,159 |
| Net charge-offs to loans | -0.0016% | 6,664 |
| Credit loss provision to net charge-offs | -10,600.0000% | 6,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0571% | 1,965 |
| Assets per employee ($millions) | 3.6476% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 5,697 |
| Loan loss allowance to noncurrent loans | 2,637.8378% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 6,575 |
| Noncurrent loans to loans | 0.0435% | 6,831 |
| Net loans and leases to total assets | 82.3927% | 322 |
| Net loans and leases to deposits | 93.7553% | 857 |
| Net loans and leases to core deposits | 99.1213% | 1,323 |
| Total domestic deposits to total assets | 87.8806% | 2,107 |
| Equity capital to assets | 10.0290% | 4,303 |
| Core capital (leverage) ratio | 8.8867% | 5,130 |
| Tier 1 risk-based capital ratio | 10.1396% | 6,913 |
| Total risk-based capital ratio | 11.2693% | 6,933 |
| Memoranda: | ||
| Average total assets | $97,565,250 | 4,993 |
| Average earning assets | $89,099,250 | 4,988 |
| Average equity | $9,761,000 | 5,104 |
| Average total loans | $81,374,000 | 4,134 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0031% | 478 |
| Cost of funding earning assets | 1.2932% | 1,985 |
| Net interest margin | 4.7099% | 709 |
| Noninterest income to average assets | 0.1062% | 6,798 |
| Noninterest expense to average assets | 3.5818% | 1,782 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4956% | 4,519 |
| Return on assets (ROA) | 0.4956% | 4,664 |
| Pretax return on assets | 0.8246% | 3,932 |
| Return on Equity (ROE) | 4.9582% | 4,473 |
| Retained earnings to average equity (ytd only) | 4.9582% | 3,034 |
| Net charge-offs to loans | -0.0025% | 6,534 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6711% | 2,289 |
| Assets per employee ($millions) | 3.7630% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 6,013 |
| Loan loss allowance to noncurrent loans | 2,289.4737% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.7880% | 5,321 |
| Noncurrent loans to loans | 0.0474% | 6,865 |
| Net loans and leases to total assets | 81.0184% | 444 |
| Net loans and leases to deposits | 92.2599% | 1,026 |
| Net loans and leases to core deposits | 99.6668% | 1,370 |
| Total domestic deposits to total assets | 87.8154% | 2,272 |
| Equity capital to assets | 10.0494% | 4,078 |
| Core capital (leverage) ratio | 8.7279% | 5,178 |
| Tier 1 risk-based capital ratio | 10.1561% | 6,936 |
| Total risk-based capital ratio | 11.2153% | 6,991 |
| Memoranda: | ||
| Average total assets | $96,042,330 | 5,074 |
| Average earning assets | $87,687,330 | 5,074 |
| Average equity | $9,600,330 | 5,154 |
| Average total loans | $80,123,000 | 4,210 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8864% | 612 |
| Cost of funding earning assets | 1.4208% | 1,504 |
| Net interest margin | 4.4655% | 1,141 |
| Noninterest income to average assets | 0.1261% | 6,788 |
| Noninterest expense to average assets | 3.4894% | 2,030 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4246% | 4,830 |
| Return on assets (ROA) | 0.4246% | 4,920 |
| Pretax return on assets | 0.7063% | 4,283 |
| Return on Equity (ROE) | 4.2596% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.2596% | 3,614 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1663% | 2,055 |
| Assets per employee ($millions) | 4.3368% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 6,258 |
| Loan loss allowance to noncurrent loans | 2,286.8421% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.7950% | 5,320 |
| Noncurrent loans to loans | 0.0454% | 6,934 |
| Net loans and leases to total assets | 83.0620% | 271 |
| Net loans and leases to deposits | 96.3317% | 671 |
| Net loans and leases to core deposits | 100.5486% | 1,295 |
| Total domestic deposits to total assets | 86.2250% | 3,384 |
| Equity capital to assets | 9.6746% | 4,210 |
| Core capital (leverage) ratio | 8.6067% | 5,257 |
| Tier 1 risk-based capital ratio | 10.2673% | 6,907 |
| Total risk-based capital ratio | 11.3547% | 6,969 |
| Memoranda: | ||
| Average total assets | $95,145,000 | 5,131 |
| Average earning assets | $86,709,000 | 5,133 |
| Average equity | $9,484,500 | 5,180 |
| Average total loans | $80,116,500 | 4,249 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5372% | 2,132 |
| Cost of funding earning assets | 1.5851% | 2,163 |
| Net interest margin | 3.9521% | 3,254 |
| Noninterest income to average assets | 0.1262% | 6,768 |
| Noninterest expense to average assets | 3.6896% | 1,725 |
| Loan and lease loss provision to assets | 0.4987% | 3,157 |
| Net operating income to assets | -0.2285% | 6,144 |
| Return on assets (ROA) | -0.2285% | 6,196 |
| Pretax return on assets | -0.4892% | 6,309 |
| Return on Equity (ROE) | -2.2946% | 6,205 |
| Retained earnings to average equity (ytd only) | -2.2946% | 6,012 |
| Net charge-offs to loans | 0.1200% | 5,685 |
| Credit loss provision to net charge-offs | 530.3797% | 427 |
| Earnings coverage of net charge-offs (x) | 0.1013% | 6,021 |
| Efficiency ratio | 98.5521% | 851 |
| Assets per employee ($millions) | 3.7727% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 5,802 |
| Loan loss allowance to noncurrent loans | 2,228.2051% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.8813% | 5,252 |
| Noncurrent loans to loans | 0.0510% | 7,000 |
| Net loans and leases to total assets | 83.5439% | 340 |
| Net loans and leases to deposits | 99.1948% | 624 |
| Net loans and leases to core deposits | 104.3481% | 1,292 |
| Total domestic deposits to total assets | 84.2220% | 4,261 |
| Equity capital to assets | 10.2922% | 3,394 |
| Core capital (leverage) ratio | 9.0468% | 4,460 |
| Tier 1 risk-based capital ratio | 10.8719% | 6,429 |
| Total risk-based capital ratio | 12.0672% | 6,440 |
| Memoranda: | ||
| Average total assets | $84,019,000 | 5,467 |
| Average earning assets | $75,958,800 | 5,479 |
| Average equity | $8,367,600 | 5,597 |
| Average total loans | $65,826,600 | 4,832 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4452% | 2,670 |
| Cost of funding earning assets | 1.6144% | 2,310 |
| Net interest margin | 3.8308% | 3,840 |
| Noninterest income to average assets | 0.1295% | 6,909 |
| Noninterest expense to average assets | 3.5894% | 1,819 |
| Loan and lease loss provision to assets | 0.3512% | 3,800 |
| Net operating income to assets | -0.3512% | 6,471 |
| Return on assets (ROA) | -0.3512% | 6,517 |
| Pretax return on assets | -0.3512% | 6,447 |
| Return on Equity (ROE) | -3.5589% | 6,541 |
| Retained earnings to average equity (ytd only) | -3.5589% | 6,415 |
| Net charge-offs to loans | 0.1626% | 5,019 |
| Credit loss provision to net charge-offs | 281.8182% | 1,152 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 6,029 |
| Efficiency ratio | 98.7376% | 790 |
| Assets per employee ($millions) | 3.9693% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 6,545 |
| Loan loss allowance to noncurrent loans | 1,715.3846% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 5,281 |
| Noncurrent loans to loans | 0.0558% | 7,104 |
| Net loans and leases to total assets | 79.2946% | 852 |
| Net loans and leases to deposits | 93.0124% | 1,328 |
| Net loans and leases to core deposits | 95.3538% | 2,340 |
| Total domestic deposits to total assets | 85.2516% | 3,491 |
| Equity capital to assets | 10.1185% | 3,992 |
| Core capital (leverage) ratio | 8.2259% | 5,998 |
| Tier 1 risk-based capital ratio | 11.0319% | 6,343 |
| Total risk-based capital ratio | 12.0321% | 6,542 |
| Memoranda: | ||
| Average total assets | $82,387,750 | 5,578 |
| Average earning assets | $74,412,500 | 5,593 |
| Average equity | $8,129,750 | 5,745 |
| Average total loans | $63,155,000 | 5,017 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2599% | 3,654 |
| Cost of funding earning assets | 1.6262% | 2,506 |
| Net interest margin | 3.6336% | 4,668 |
| Noninterest income to average assets | 0.1362% | 6,904 |
| Noninterest expense to average assets | 3.3291% | 2,469 |
| Loan and lease loss provision to assets | 0.4880% | 2,856 |
| Net operating income to assets | -0.3988% | 6,565 |
| Return on assets (ROA) | -0.3988% | 6,604 |
| Pretax return on assets | -0.3988% | 6,509 |
| Return on Equity (ROE) | -4.0789% | 6,625 |
| Retained earnings to average equity (ytd only) | -4.0789% | 6,450 |
| Net charge-offs to loans | 0.2726% | 3,978 |
| Credit loss provision to net charge-offs | 237.3494% | 1,624 |
| Earnings coverage of net charge-offs (x) | 0.4337% | 5,290 |
| Efficiency ratio | 96.6667% | 931 |
| Assets per employee ($millions) | 3.8249% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 6,608 |
| Loan loss allowance to noncurrent loans | 1,530.9524% | 244 |
| Noncurrent assets plus other real estate owned to assets | 1.0503% | 5,040 |
| Noncurrent loans to loans | 0.0618% | 7,158 |
| Net loans and leases to total assets | 76.4962% | 1,394 |
| Net loans and leases to deposits | 94.7417% | 1,184 |
| Net loans and leases to core deposits | 98.6138% | 2,167 |
| Total domestic deposits to total assets | 80.7418% | 5,496 |
| Equity capital to assets | 8.9164% | 5,579 |
| Core capital (leverage) ratio | 7.5500% | 6,781 |
| Tier 1 risk-based capital ratio | 9.8360% | 7,111 |
| Total risk-based capital ratio | 10.8345% | 7,228 |
| Memoranda: | ||
| Average total assets | $80,742,000 | 5,675 |
| Average earning assets | $72,929,670 | 5,676 |
| Average equity | $7,894,330 | 5,838 |
| Average total loans | $60,902,330 | 5,141 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1202% | 4,435 |
| Cost of funding earning assets | 1.5481% | 3,278 |
| Net interest margin | 3.5721% | 4,848 |
| Noninterest income to average assets | 0.1608% | 6,823 |
| Noninterest expense to average assets | 3.3296% | 2,432 |
| Loan and lease loss provision to assets | 0.2230% | 4,265 |
| Net operating income to assets | -0.1608% | 6,497 |
| Return on assets (ROA) | -0.1608% | 6,570 |
| Pretax return on assets | -0.1608% | 6,518 |
| Return on Equity (ROE) | -1.5658% | 6,586 |
| Retained earnings to average equity (ytd only) | -1.5658% | 6,136 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6361% | 990 |
| Assets per employee ($millions) | 3.9597% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 6,581 |
| Loan loss allowance to noncurrent loans | 207.2464% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 1.2928% | 4,593 |
| Noncurrent loans to loans | 0.4699% | 6,356 |
| Net loans and leases to total assets | 69.9542% | 2,950 |
| Net loans and leases to deposits | 87.8965% | 2,243 |
| Net loans and leases to core deposits | 91.6740% | 3,148 |
| Total domestic deposits to total assets | 79.5870% | 5,918 |
| Equity capital to assets | 9.5414% | 4,465 |
| Core capital (leverage) ratio | 8.8444% | 4,798 |
| Tier 1 risk-based capital ratio | 11.5217% | 5,653 |
| Total risk-based capital ratio | 12.5412% | 5,831 |
| Memoranda: | ||
| Average total assets | $77,126,500 | 5,848 |
| Average earning assets | $69,762,500 | 5,856 |
| Average equity | $7,919,500 | 5,875 |
| Average total loans | $57,384,000 | 5,367 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0041% | 6,418 |
| Cost of funding earning assets | 1.0213% | 7,169 |
| Net interest margin | 3.9828% | 2,928 |
| Noninterest income to average assets | 0.1899% | 6,731 |
| Noninterest expense to average assets | 5.4314% | 403 |
| Loan and lease loss provision to assets | 0.7952% | 2,746 |
| Net operating income to assets | -2.5282% | 7,276 |
| Return on assets (ROA) | -2.5282% | 7,275 |
| Pretax return on assets | -2.5282% | 7,151 |
| Return on Equity (ROE) | -15.2387% | 6,951 |
| Retained earnings to average equity (ytd only) | -15.2387% | 6,898 |
| Net charge-offs to loans | 0.1241% | 5,949 |
| Credit loss provision to net charge-offs | 837.5000% | 344 |
| Earnings coverage of net charge-offs (x) | -18.2500% | 7,189 |
| Efficiency ratio | 146.1489% | 345 |
| Assets per employee ($millions) | 3.5550% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 6,654 |
| Loan loss allowance to noncurrent loans | 62.3086% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.5049% | 4,121 |
| Noncurrent loans to loans | 1.5153% | 4,385 |
| Net loans and leases to total assets | 78.0563% | 1,367 |
| Net loans and leases to deposits | 104.6737% | 614 |
| Net loans and leases to core deposits | 131.3811% | 1,203 |
| Total domestic deposits to total assets | 74.5710% | 6,937 |
| Equity capital to assets | 11.1181% | 2,612 |
| Core capital (leverage) ratio | 11.2050% | 2,099 |
| Tier 1 risk-based capital ratio | 12.8071% | 4,281 |
| Total risk-based capital ratio | 13.8500% | 4,390 |
| Memoranda: | ||
| Average total assets | $42,125,600 | 7,024 |
| Average earning assets | $37,109,200 | 7,051 |
| Average equity | $6,988,800 | 6,273 |
| Average total loans | $32,242,600 | 6,506 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1055% | 6,245 |
| Cost of funding earning assets | 0.9023% | 7,557 |
| Net interest margin | 4.2032% | 2,051 |
| Noninterest income to average assets | 0.2064% | 6,749 |
| Noninterest expense to average assets | 6.0163% | 308 |
| Loan and lease loss provision to assets | 0.8753% | 2,194 |
| Net operating income to assets | -3.0349% | 7,595 |
| Return on assets (ROA) | -3.0349% | 7,606 |
| Pretax return on assets | -3.0349% | 7,516 |
| Return on Equity (ROE) | -15.6609% | 7,216 |
| Retained earnings to average equity (ytd only) | -15.6609% | 7,166 |
| Net charge-offs to loans | 0.3955% | 3,683 |
| Credit loss provision to net charge-offs | 293.5897% | 1,415 |
| Earnings coverage of net charge-offs (x) | -7.2434% | 6,881 |
| Efficiency ratio | 155.0050% | 290 |
| Assets per employee ($millions) | 2.8588% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 6,314 |
| Loan loss allowance to noncurrent loans | 895.3488% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 6,468 |
| Noncurrent loans to loans | 0.1114% | 7,199 |
| Net loans and leases to total assets | 66.8491% | 4,229 |
| Net loans and leases to deposits | 102.7419% | 862 |
| Net loans and leases to core deposits | 137.9222% | 1,016 |
| Total domestic deposits to total assets | 65.0652% | 7,723 |
| Equity capital to assets | 11.0520% | 2,971 |
| Core capital (leverage) ratio | 12.6681% | 1,514 |
| Tier 1 risk-based capital ratio | 11.9402% | 5,025 |
| Total risk-based capital ratio | 12.8732% | 5,254 |
| Memoranda: | ||
| Average total assets | $34,882,000 | 7,343 |
| Average earning assets | $30,293,500 | 7,405 |
| Average equity | $6,759,750 | 6,403 |
| Average total loans | $26,296,500 | 6,897 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4662% | 4,807 |
| Cost of funding earning assets | 0.6886% | 7,927 |
| Net interest margin | 4.7776% | 683 |
| Noninterest income to average assets | 0.2186% | 6,739 |
| Noninterest expense to average assets | 6.8704% | 230 |
| Loan and lease loss provision to assets | 0.9836% | 1,713 |
| Net operating income to assets | -3.5409% | 7,769 |
| Return on assets (ROA) | -3.5409% | 7,769 |
| Pretax return on assets | -3.5409% | 7,683 |
| Return on Equity (ROE) | -14.0734% | 7,283 |
| Retained earnings to average equity (ytd only) | -14.0734% | 7,184 |
| Net charge-offs to loans | 0.0901% | 5,287 |
| Credit loss provision to net charge-offs | 1,350.0000% | 373 |
| Earnings coverage of net charge-offs (x) | -35.1000% | 6,586 |
| Efficiency ratio | 159.2905% | 331 |
| Assets per employee ($millions) | 1.9696% | 7,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 5,005 |
| Loan loss allowance to noncurrent loans | 143.0279% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7080% | 5,637 |
| Noncurrent loans to loans | 0.8334% | 5,555 |
| Net loans and leases to total assets | 83.9365% | 647 |
| Net loans and leases to deposits | 125.0389% | 163 |
| Net loans and leases to core deposits | 155.2564% | 539 |
| Total domestic deposits to total assets | 67.1283% | 7,671 |
| Equity capital to assets | 18.6924% | 481 |
| Core capital (leverage) ratio | 17.8814% | 521 |
| Tier 1 risk-based capital ratio | 16.9831% | 2,307 |
| Total risk-based capital ratio | 18.1482% | 2,285 |
| Memoranda: | ||
| Average total assets | $27,451,000 | 7,708 |
| Average earning assets | $23,526,330 | 7,744 |
| Average equity | $6,906,670 | 6,401 |
| Average total loans | $22,193,330 | 7,199 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0186% | 6,884 |
| Cost of funding earning assets | 0.6071% | 8,049 |
| Net interest margin | 4.4115% | 1,317 |
| Noninterest income to average assets | 0.2217% | 6,697 |
| Noninterest expense to average assets | 5.4584% | 370 |
| Loan and lease loss provision to assets | 0.7505% | 1,717 |
| Net operating income to assets | -2.2687% | 7,718 |
| Return on assets (ROA) | -2.2687% | 7,718 |
| Pretax return on assets | -2.2687% | 7,607 |
| Return on Equity (ROE) | -7.5498% | 7,196 |
| Retained earnings to average equity (ytd only) | -7.5498% | 6,856 |
| Net charge-offs to loans | 0.2194% | 3,323 |
| Credit loss provision to net charge-offs | 440.0000% | 1,197 |
| Earnings coverage of net charge-offs (x) | -8.9000% | 5,609 |
| Efficiency ratio | 138.5281% | 423 |
| Assets per employee ($millions) | 1.6138% | 8,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 4,060 |
| Loan loss allowance to noncurrent loans | 69.7917% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.5863% | 3,545 |
| Noncurrent loans to loans | 1.8662% | 3,466 |
| Net loans and leases to total assets | 83.8972% | 704 |
| Net loans and leases to deposits | 124.3967% | 210 |
| Net loans and leases to core deposits | 134.6929% | 1,379 |
| Total domestic deposits to total assets | 67.4433% | 7,637 |
| Equity capital to assets | 28.8346% | 160 |
| Core capital (leverage) ratio | 26.1894% | 204 |
| Tier 1 risk-based capital ratio | 25.3716% | 943 |
| Total risk-based capital ratio | 26.5897% | 918 |
| Memoranda: | ||
| Average total assets | $23,450,000 | 7,889 |
| Average earning assets | $19,766,500 | 7,910 |
| Average equity | $7,046,500 | 6,385 |
| Average total loans | $18,231,500 | 7,476 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5228% | 7,243 |
| Cost of funding earning assets | 0.8394% | 8,112 |
| Net interest margin | 4.6834% | 1,003 |
| Noninterest income to average assets | 1.8934% | 378 |
| Noninterest expense to average assets | 5.2558% | 561 |
| Loan and lease loss provision to assets | 0.5199% | 2,736 |
| Net operating income to assets | 0.0048% | 6,356 |
| Return on assets (ROA) | 0.0048% | 6,218 |
| Pretax return on assets | -0.0238% | 6,180 |
| Return on Equity (ROE) | 0.0135% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.0135% | 5,232 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3765% | 1,419 |
| Assets per employee ($millions) | 2.0630% | 7,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 2,814 |
| Loan loss allowance to noncurrent loans | 48.1481% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 2.1416% | 2,293 |
| Noncurrent loans to loans | 3.0593% | 1,748 |
| Net loans and leases to total assets | 68.9728% | 4,261 |
| Net loans and leases to deposits | 100.6107% | 1,767 |
| Net loans and leases to core deposits | 108.8305% | 3,877 |
| Total domestic deposits to total assets | 68.5542% | 7,419 |
| Equity capital to assets | 31.3445% | 162 |
| Core capital (leverage) ratio | 27.9193% | 210 |
| Tier 1 risk-based capital ratio | 31.0401% | 587 |
| Total risk-based capital ratio | 32.3117% | 576 |
| Memoranda: | ||
| Average total assets | $20,967,400 | 7,988 |
| Average earning assets | $17,273,800 | 8,032 |
| Average equity | $7,388,600 | 6,320 |
| Average total loans | $13,087,200 | 7,763 |