Home > The First State Bank of Shelby > Performance and Condition Ratios
The First State Bank of Shelby, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1036% | 4,500 |
| Cost of funding earning assets | 0.9154% | 3,485 |
| Net interest margin | 2.1882% | 4,325 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.4314% | 4,372 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 0.8103% | 2,835 |
| Return on assets (ROA) | 0.8184% | 2,793 |
| Pretax return on assets | 0.9553% | 2,797 |
| Return on Equity (ROE) | 5.6800% | 3,588 |
| Retained earnings to average equity (ytd only) | 2.6106% | 3,408 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.5892% | 2,890 |
| Assets per employee ($millions) | 9.7046% | 769 |
| Cash dividends to net income (ytd only)* | 54.0735% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3850% | 4,393 |
| Loan loss allowance to noncurrent loans | 423.8095% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,679 |
| Noncurrent loans to loans | 0.0908% | 3,089 |
| Net loans and leases to total assets | 13.9600% | 4,432 |
| Net loans and leases to deposits | 19.3587% | 4,428 |
| Net loans and leases to core deposits | 20.6752% | 4,450 |
| Total domestic deposits to total assets | 72.1000% | 4,225 |
| Equity capital to assets | 15.2717% | 530 |
| Core capital (leverage) ratio | 20.1016% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $169,479,000 | 3,193 |
| Average earning assets | $160,585,800 | 3,167 |
| Average equity | $24,400,800 | 2,553 |
| Average total loans | $21,839,400 | 4,272 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0606% | 4,517 |
| Cost of funding earning assets | 0.7478% | 3,654 |
| Net interest margin | 2.3128% | 4,299 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.2934% | 4,450 |
| Loan and lease loss provision to assets | -0.0700% | 4,511 |
| Net operating income to assets | 0.9079% | 2,654 |
| Return on assets (ROA) | 0.9128% | 2,620 |
| Pretax return on assets | 1.2395% | 2,200 |
| Return on Equity (ROE) | 6.4300% | 3,558 |
| Retained earnings to average equity (ytd only) | 6.4345% | 2,484 |
| Net charge-offs to loans | 0.0062% | 2,220 |
| Credit loss provision to net charge-offs | -8,900.0000% | 4,628 |
| Earnings coverage of net charge-offs (x) | 1,489.0000% | 100 |
| Efficiency ratio | 52.6399% | 3,707 |
| Assets per employee ($millions) | 9.8864% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3578% | 4,427 |
| Loan loss allowance to noncurrent loans | 635.7143% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,772 |
| Noncurrent loans to loans | 0.0563% | 3,351 |
| Net loans and leases to total assets | 14.7500% | 4,459 |
| Net loans and leases to deposits | 20.4480% | 4,450 |
| Net loans and leases to core deposits | 21.7136% | 4,436 |
| Total domestic deposits to total assets | 72.1100% | 4,250 |
| Equity capital to assets | 14.0252% | 649 |
| Core capital (leverage) ratio | 20.0844% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $170,604,250 | 3,198 |
| Average earning assets | $161,534,000 | 3,170 |
| Average equity | $24,202,250 | 2,553 |
| Average total loans | $21,520,000 | 4,293 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0255% | 4,544 |
| Cost of funding earning assets | 0.4971% | 3,985 |
| Net interest margin | 2.5285% | 4,180 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 1.2423% | 4,501 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 1.0839% | 2,163 |
| Return on assets (ROA) | 1.0802% | 2,170 |
| Pretax return on assets | 1.4675% | 1,656 |
| Return on Equity (ROE) | 7.5900% | 3,342 |
| Retained earnings to average equity (ytd only) | 7.5863% | 2,098 |
| Net charge-offs to loans | 0.0098% | 1,836 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,637 |
| Earnings coverage of net charge-offs (x) | 1,244.0000% | 119 |
| Efficiency ratio | 46.1239% | 4,157 |
| Assets per employee ($millions) | 9.3814% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 4,183 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 13.4400% | 4,492 |
| Net loans and leases to deposits | 18.1387% | 4,482 |
| Net loans and leases to core deposits | 18.8536% | 4,472 |
| Total domestic deposits to total assets | 74.0700% | 4,189 |
| Equity capital to assets | 14.7028% | 551 |
| Core capital (leverage) ratio | 19.9193% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $171,449,333 | 3,206 |
| Average earning assets | $162,549,000 | 3,170 |
| Average equity | $24,412,333 | 2,546 |
| Average total loans | $20,403,000 | 4,323 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0765% | 4,540 |
| Cost of funding earning assets | 0.2986% | 4,200 |
| Net interest margin | 2.7779% | 3,976 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.2273% | 4,567 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 1.1905% | 1,955 |
| Return on assets (ROA) | 1.1740% | 1,971 |
| Pretax return on assets | 1.6070% | 1,444 |
| Return on Equity (ROE) | 8.3800% | 3,209 |
| Retained earnings to average equity (ytd only) | 8.3786% | 2,123 |
| Net charge-offs to loans | 0.0209% | 1,259 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | 685.0000% | 169 |
| Efficiency ratio | 43.6214% | 4,317 |
| Assets per employee ($millions) | 9.3077% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 3,964 |
| Loan loss allowance to noncurrent loans | 67.2269% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 2,513 |
| Noncurrent loans to loans | 1.2783% | 529 |
| Net loans and leases to total assets | 11.0200% | 4,571 |
| Net loans and leases to deposits | 13.1430% | 4,572 |
| Net loans and leases to core deposits | 13.5960% | 4,561 |
| Total domestic deposits to total assets | 83.8300% | 3,126 |
| Equity capital to assets | 14.8116% | 498 |
| Core capital (leverage) ratio | 19.0616% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $172,741,000 | 3,243 |
| Average earning assets | $163,430,000 | 3,210 |
| Average equity | $24,204,500 | 2,588 |
| Average total loans | $19,180,000 | 4,405 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7023% | 4,402 |
| Cost of funding earning assets | 0.1521% | 4,110 |
| Net interest margin | 2.5503% | 4,233 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.4090% | 4,504 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 1.1918% | 1,807 |
| Return on assets (ROA) | 1.0136% | 2,462 |
| Pretax return on assets | 1.1928% | 2,462 |
| Return on Equity (ROE) | 7.1900% | 3,587 |
| Retained earnings to average equity (ytd only) | 3.7227% | 3,490 |
| Net charge-offs to loans | 0.0715% | 928 |
| Credit loss provision to net charge-offs | -2,471.4286% | 4,692 |
| Earnings coverage of net charge-offs (x) | 159.7143% | 758 |
| Efficiency ratio | 53.7060% | 3,816 |
| Assets per employee ($millions) | 9.3655% | 819 |
| Cash dividends to net income (ytd only)* | 48.2315% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 3,743 |
| Loan loss allowance to noncurrent loans | 78.5088% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 2,626 |
| Noncurrent loans to loans | 1.1549% | 612 |
| Net loans and leases to total assets | 10.9900% | 4,601 |
| Net loans and leases to deposits | 12.6895% | 4,602 |
| Net loans and leases to core deposits | 13.0078% | 4,590 |
| Total domestic deposits to total assets | 86.6400% | 2,517 |
| Equity capital to assets | 13.2592% | 665 |
| Core capital (leverage) ratio | 18.2185% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $184,102,000 | 3,153 |
| Average earning assets | $176,254,800 | 3,097 |
| Average equity | $25,949,000 | 2,532 |
| Average total loans | $19,587,800 | 4,421 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6157% | 4,376 |
| Cost of funding earning assets | 0.1410% | 3,930 |
| Net interest margin | 2.4746% | 4,228 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.2676% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9539% | 2,649 |
| Return on assets (ROA) | 0.9437% | 2,652 |
| Pretax return on assets | 1.2813% | 2,104 |
| Return on Equity (ROE) | 6.6000% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.6018% | 2,516 |
| Net charge-offs to loans | 0.0477% | 1,005 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 257.4286% | 526 |
| Efficiency ratio | 49.4814% | 4,189 |
| Assets per employee ($millions) | 9.5168% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3218% | 281 |
| Loan loss allowance to noncurrent loans | 209.4488% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 2,623 |
| Noncurrent loans to loans | 1.1085% | 676 |
| Net loans and leases to total assets | 12.3800% | 4,639 |
| Net loans and leases to deposits | 14.2710% | 4,642 |
| Net loans and leases to core deposits | 14.5985% | 4,628 |
| Total domestic deposits to total assets | 86.7300% | 2,845 |
| Equity capital to assets | 13.1242% | 659 |
| Core capital (leverage) ratio | 17.8951% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $185,641,500 | 3,167 |
| Average earning assets | $178,661,500 | 3,099 |
| Average equity | $26,537,750 | 2,542 |
| Average total loans | $19,549,250 | 4,453 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5343% | 4,345 |
| Cost of funding earning assets | 0.1383% | 3,733 |
| Net interest margin | 2.3961% | 4,231 |
| Noninterest income to average assets | 0.1891% | 4,058 |
| Noninterest expense to average assets | 1.2198% | 4,631 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9483% | 2,365 |
| Return on assets (ROA) | 0.9314% | 2,418 |
| Pretax return on assets | 1.2614% | 1,865 |
| Return on Equity (ROE) | 6.3480% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.3480% | 2,223 |
| Net charge-offs to loans | -0.0109% | 3,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7409% | 4,321 |
| Assets per employee ($millions) | 10.1285% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7298% | 190 |
| Loan loss allowance to noncurrent loans | 222.2222% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 2,776 |
| Noncurrent loans to loans | 1.2284% | 647 |
| Net loans and leases to total assets | 10.5544% | 4,707 |
| Net loans and leases to deposits | 12.2329% | 4,711 |
| Net loans and leases to core deposits | 12.5537% | 4,703 |
| Total domestic deposits to total assets | 86.2785% | 3,175 |
| Equity capital to assets | 13.5920% | 572 |
| Core capital (leverage) ratio | 17.0298% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,249,000 | 3,180 |
| Average earning assets | $180,797,333 | 3,126 |
| Average equity | $27,473,333 | 2,553 |
| Average total loans | $18,428,000 | 4,529 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3340% | 4,432 |
| Cost of funding earning assets | 0.1369% | 3,675 |
| Net interest margin | 2.1971% | 4,354 |
| Noninterest income to average assets | 0.2087% | 3,909 |
| Noninterest expense to average assets | 1.1385% | 4,684 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8855% | 2,336 |
| Return on assets (ROA) | 0.8855% | 2,334 |
| Pretax return on assets | 1.2018% | 1,810 |
| Return on Equity (ROE) | 5.8293% | 3,391 |
| Retained earnings to average equity (ytd only) | 5.8293% | 2,304 |
| Net charge-offs to loans | 0.1127% | 483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 630 |
| Efficiency ratio | 48.6486% | 4,371 |
| Assets per employee ($millions) | 10.4651% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1268% | 144 |
| Loan loss allowance to noncurrent loans | 219.7531% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 2,899 |
| Noncurrent loans to loans | 1.4229% | 596 |
| Net loans and leases to total assets | 8.7826% | 4,742 |
| Net loans and leases to deposits | 10.2905% | 4,743 |
| Net loans and leases to core deposits | 10.5471% | 4,735 |
| Total domestic deposits to total assets | 85.3465% | 3,457 |
| Equity capital to assets | 14.5430% | 440 |
| Core capital (leverage) ratio | 16.4250% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,717,000 | 3,175 |
| Average earning assets | $184,058,500 | 3,120 |
| Average equity | $28,820,000 | 2,542 |
| Average total loans | $17,751,000 | 4,555 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6280% | 4,384 |
| Cost of funding earning assets | 0.1647% | 3,823 |
| Net interest margin | 2.4634% | 4,239 |
| Noninterest income to average assets | 0.2652% | 3,794 |
| Noninterest expense to average assets | 1.4700% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0417% | 2,514 |
| Return on assets (ROA) | 1.0563% | 2,530 |
| Pretax return on assets | 1.2104% | 2,626 |
| Return on Equity (ROE) | 5.5573% | 3,868 |
| Retained earnings to average equity (ytd only) | 3.0954% | 3,591 |
| Net charge-offs to loans | -0.5431% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1886% | 3,797 |
| Assets per employee ($millions) | 10.6146% | 564 |
| Cash dividends to net income (ytd only)* | 44.3001% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9255% | 159 |
| Loan loss allowance to noncurrent loans | 5,988.8889% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 4,126 |
| Noncurrent loans to loans | 0.0488% | 3,731 |
| Net loans and leases to total assets | 9.3608% | 4,781 |
| Net loans and leases to deposits | 11.1307% | 4,785 |
| Net loans and leases to core deposits | 11.3899% | 4,776 |
| Total domestic deposits to total assets | 84.0989% | 3,532 |
| Equity capital to assets | 15.8299% | 399 |
| Core capital (leverage) ratio | 15.9941% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,271,000 | 3,390 |
| Average earning assets | $156,047,600 | 3,318 |
| Average equity | $30,464,400 | 2,503 |
| Average total loans | $21,359,800 | 4,542 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6864% | 4,420 |
| Cost of funding earning assets | 0.1724% | 3,900 |
| Net interest margin | 2.5140% | 4,252 |
| Noninterest income to average assets | 0.2421% | 3,946 |
| Noninterest expense to average assets | 1.3825% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9588% | 3,051 |
| Return on assets (ROA) | 0.9726% | 3,090 |
| Pretax return on assets | 1.3230% | 2,564 |
| Return on Equity (ROE) | 4.8624% | 4,151 |
| Retained earnings to average equity (ytd only) | 4.8624% | 3,271 |
| Net charge-offs to loans | -0.0603% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4304% | 4,085 |
| Assets per employee ($millions) | 9.6244% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9305% | 730 |
| Loan loss allowance to noncurrent loans | 121.6292% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 2,583 |
| Noncurrent loans to loans | 1.5872% | 646 |
| Net loans and leases to total assets | 13.4438% | 4,841 |
| Net loans and leases to deposits | 16.6321% | 4,837 |
| Net loans and leases to core deposits | 17.2280% | 4,833 |
| Total domestic deposits to total assets | 80.8300% | 4,117 |
| Equity capital to assets | 18.8467% | 232 |
| Core capital (leverage) ratio | 19.6583% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.7334% | 51 |
| Memoranda: | ||
| Average total assets | $152,573,250 | 3,498 |
| Average earning assets | $148,446,500 | 3,429 |
| Average equity | $30,519,250 | 2,529 |
| Average total loans | $22,093,750 | 4,593 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6702% | 4,489 |
| Cost of funding earning assets | 0.1781% | 3,968 |
| Net interest margin | 2.4921% | 4,316 |
| Noninterest income to average assets | 0.2498% | 3,904 |
| Noninterest expense to average assets | 1.3688% | 4,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9587% | 3,037 |
| Return on assets (ROA) | 0.9725% | 3,072 |
| Pretax return on assets | 1.3231% | 2,569 |
| Return on Equity (ROE) | 4.7610% | 4,178 |
| Retained earnings to average equity (ytd only) | 4.7610% | 3,277 |
| Net charge-offs to loans | -0.0546% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1803% | 4,127 |
| Assets per employee ($millions) | 8.4642% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8967% | 741 |
| Loan loss allowance to noncurrent loans | 354.5455% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 3,534 |
| Noncurrent loans to loans | 0.5350% | 2,068 |
| Net loans and leases to total assets | 14.5640% | 4,870 |
| Net loans and leases to deposits | 18.3064% | 4,863 |
| Net loans and leases to core deposits | 18.9583% | 4,861 |
| Total domestic deposits to total assets | 79.5570% | 4,287 |
| Equity capital to assets | 20.1057% | 182 |
| Core capital (leverage) ratio | 20.0515% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.2846% | 54 |
| Memoranda: | ||
| Average total assets | $148,892,667 | 3,535 |
| Average earning assets | $144,859,000 | 3,468 |
| Average equity | $30,413,667 | 2,518 |
| Average total loans | $21,982,000 | 4,631 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4798% | 4,655 |
| Cost of funding earning assets | 0.1843% | 4,049 |
| Net interest margin | 2.2955% | 4,529 |
| Noninterest income to average assets | 0.2283% | 4,008 |
| Noninterest expense to average assets | 1.3645% | 4,771 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8011% | 3,422 |
| Return on assets (ROA) | 0.8290% | 3,408 |
| Pretax return on assets | 1.1334% | 3,030 |
| Return on Equity (ROE) | 4.0258% | 4,282 |
| Retained earnings to average equity (ytd only) | 4.0258% | 3,495 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4084% | 3,617 |
| Assets per employee ($millions) | 8.2964% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9600% | 646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 4,195 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 14.1688% | 4,901 |
| Net loans and leases to deposits | 17.8192% | 4,890 |
| Net loans and leases to core deposits | 18.3691% | 4,892 |
| Total domestic deposits to total assets | 79.5145% | 4,265 |
| Equity capital to assets | 20.2210% | 179 |
| Core capital (leverage) ratio | 20.2928% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.9141% | 43 |
| Memoranda: | ||
| Average total assets | $147,161,500 | 3,551 |
| Average earning assets | $143,238,000 | 3,482 |
| Average equity | $30,304,500 | 2,521 |
| Average total loans | $21,664,000 | 4,659 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9177% | 4,694 |
| Cost of funding earning assets | 0.2840% | 4,224 |
| Net interest margin | 2.6337% | 4,458 |
| Noninterest income to average assets | 0.2425% | 4,039 |
| Noninterest expense to average assets | 1.7117% | 4,607 |
| Loan and lease loss provision to assets | 0.0448% | 3,841 |
| Net operating income to assets | 0.9508% | 2,477 |
| Return on assets (ROA) | 1.0356% | 2,304 |
| Pretax return on assets | 1.1394% | 2,553 |
| Return on Equity (ROE) | 4.5969% | 4,001 |
| Retained earnings to average equity (ytd only) | 2.1130% | 3,778 |
| Net charge-offs to loans | 0.4225% | 399 |
| Credit loss provision to net charge-offs | 56.6038% | 3,101 |
| Earnings coverage of net charge-offs (x) | 13.7925% | 2,260 |
| Efficiency ratio | 61.0756% | 3,295 |
| Assets per employee ($millions) | 8.0549% | 1,022 |
| Cash dividends to net income (ytd only)* | 54.0346% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9452% | 653 |
| Loan loss allowance to noncurrent loans | 352.5000% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 3,760 |
| Noncurrent loans to loans | 0.5518% | 2,332 |
| Net loans and leases to total assets | 14.7067% | 4,919 |
| Net loans and leases to deposits | 18.7126% | 4,910 |
| Net loans and leases to core deposits | 19.4087% | 4,908 |
| Total domestic deposits to total assets | 78.5927% | 4,251 |
| Equity capital to assets | 20.9755% | 168 |
| Core capital (leverage) ratio | 20.6538% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.1125% | 44 |
| Memoranda: | ||
| Average total assets | $134,022,600 | 3,575 |
| Average earning assets | $130,275,200 | 3,502 |
| Average equity | $30,194,200 | 2,470 |
| Average total loans | $25,088,200 | 4,615 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7768% | 4,842 |
| Cost of funding earning assets | 0.3038% | 4,302 |
| Net interest margin | 2.4730% | 4,677 |
| Noninterest income to average assets | 0.2377% | 4,073 |
| Noninterest expense to average assets | 1.5996% | 4,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7627% | 3,241 |
| Return on assets (ROA) | 0.8430% | 3,064 |
| Pretax return on assets | 1.1456% | 2,578 |
| Return on Equity (ROE) | 3.6717% | 4,252 |
| Retained earnings to average equity (ytd only) | 3.6717% | 3,213 |
| Net charge-offs to loans | 0.5297% | 279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 9.9806% | 2,387 |
| Efficiency ratio | 60.5071% | 3,305 |
| Assets per employee ($millions) | 7.6436% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,616 |
| Loan loss allowance to noncurrent loans | 302.4793% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 3,862 |
| Noncurrent loans to loans | 0.3997% | 2,861 |
| Net loans and leases to total assets | 21.7344% | 4,913 |
| Net loans and leases to deposits | 28.2707% | 4,900 |
| Net loans and leases to core deposits | 29.4928% | 4,903 |
| Total domestic deposits to total assets | 76.8796% | 4,337 |
| Equity capital to assets | 22.3543% | 142 |
| Core capital (leverage) ratio | 22.2082% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.2863% | 45 |
| Memoranda: | ||
| Average total assets | $131,281,250 | 3,596 |
| Average earning assets | $127,721,000 | 3,520 |
| Average equity | $30,139,750 | 2,468 |
| Average total loans | $25,923,750 | 4,628 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7364% | 4,929 |
| Cost of funding earning assets | 0.3201% | 4,398 |
| Net interest margin | 2.4162% | 4,783 |
| Noninterest income to average assets | 0.2477% | 3,988 |
| Noninterest expense to average assets | 1.6210% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7142% | 3,342 |
| Return on assets (ROA) | 0.8500% | 2,984 |
| Pretax return on assets | 1.1472% | 2,558 |
| Return on Equity (ROE) | 3.6680% | 4,201 |
| Retained earnings to average equity (ytd only) | 3.6680% | 3,083 |
| Net charge-offs to loans | 0.8090% | 193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.3636% | 2,447 |
| Efficiency ratio | 62.4329% | 3,056 |
| Assets per employee ($millions) | 7.3639% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 2,062 |
| Loan loss allowance to noncurrent loans | 308.3333% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 3,950 |
| Noncurrent loans to loans | 0.4178% | 2,914 |
| Net loans and leases to total assets | 21.3872% | 4,948 |
| Net loans and leases to deposits | 28.0225% | 4,940 |
| Net loans and leases to core deposits | 29.2895% | 4,938 |
| Total domestic deposits to total assets | 76.3216% | 4,396 |
| Equity capital to assets | 22.9610% | 126 |
| Core capital (leverage) ratio | 22.2759% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.1879% | 45 |
| Memoranda: | ||
| Average total assets | $129,180,333 | 3,607 |
| Average earning assets | $125,567,000 | 3,525 |
| Average equity | $29,934,333 | 2,468 |
| Average total loans | $24,475,333 | 4,681 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4222% | 5,058 |
| Cost of funding earning assets | 0.3294% | 4,573 |
| Net interest margin | 2.0928% | 4,991 |
| Noninterest income to average assets | 0.2479% | 4,067 |
| Noninterest expense to average assets | 1.7036% | 4,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4204% | 4,090 |
| Return on assets (ROA) | 0.4204% | 4,129 |
| Pretax return on assets | 0.5773% | 3,961 |
| Return on Equity (ROE) | 1.8057% | 4,482 |
| Retained earnings to average equity (ytd only) | 1.8057% | 3,509 |
| Net charge-offs to loans | 1.7894% | 81 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.8400% | 2,338 |
| Efficiency ratio | 74.6905% | 1,727 |
| Assets per employee ($millions) | 6.6895% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7974% | 709 |
| Loan loss allowance to noncurrent loans | 307.5000% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 4,018 |
| Noncurrent loans to loans | 0.5845% | 2,546 |
| Net loans and leases to total assets | 15.8622% | 5,029 |
| Net loans and leases to deposits | 21.0210% | 5,026 |
| Net loans and leases to core deposits | 21.8294% | 5,022 |
| Total domestic deposits to total assets | 75.4589% | 4,539 |
| Equity capital to assets | 23.7819% | 130 |
| Core capital (leverage) ratio | 23.0626% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 70.6475% | 44 |
| Memoranda: | ||
| Average total assets | $127,495,000 | 3,609 |
| Average earning assets | $123,855,000 | 3,523 |
| Average equity | $29,684,000 | 2,470 |
| Average total loans | $22,353,500 | 4,758 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3386% | 4,946 |
| Cost of funding earning assets | 0.3398% | 4,625 |
| Net interest margin | 2.9988% | 4,514 |
| Noninterest income to average assets | 0.3315% | 3,721 |
| Noninterest expense to average assets | 1.7664% | 4,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2930% | 1,718 |
| Return on assets (ROA) | 1.2923% | 1,799 |
| Pretax return on assets | 1.4694% | 1,902 |
| Return on Equity (ROE) | 5.7914% | 3,977 |
| Retained earnings to average equity (ytd only) | 3.1574% | 3,442 |
| Net charge-offs to loans | 0.4894% | 385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 15.5041% | 2,226 |
| Efficiency ratio | 54.5763% | 4,364 |
| Assets per employee ($millions) | 6.7310% | 1,160 |
| Cash dividends to net income (ytd only)* | 45.4821% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9399% | 513 |
| Loan loss allowance to noncurrent loans | 174.3494% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 3,490 |
| Noncurrent loans to loans | 1.1126% | 1,357 |
| Net loans and leases to total assets | 18.5380% | 5,083 |
| Net loans and leases to deposits | 24.0656% | 5,078 |
| Net loans and leases to core deposits | 25.1035% | 5,071 |
| Total domestic deposits to total assets | 77.0309% | 4,485 |
| Equity capital to assets | 22.7862% | 163 |
| Core capital (leverage) ratio | 22.6923% | 161 |
| Tier 1 risk-based capital ratio | 65.8834% | 77 |
| Total risk-based capital ratio | 66.9461% | 77 |
| Memoranda: | ||
| Average total assets | $127,602,600 | 3,595 |
| Average earning assets | $123,615,400 | 3,509 |
| Average equity | $28,473,200 | 2,474 |
| Average total loans | $24,724,200 | 4,760 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2559% | 5,082 |
| Cost of funding earning assets | 0.3389% | 4,694 |
| Net interest margin | 2.9170% | 4,741 |
| Noninterest income to average assets | 0.3398% | 3,694 |
| Noninterest expense to average assets | 1.6383% | 4,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1226% | 2,484 |
| Return on assets (ROA) | 1.1375% | 2,512 |
| Pretax return on assets | 1.5463% | 1,823 |
| Return on Equity (ROE) | 5.1248% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.1248% | 2,835 |
| Net charge-offs to loans | 0.0214% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 365.4690% | 270 |
| Efficiency ratio | 51.7503% | 4,616 |
| Assets per employee ($millions) | 6.7302% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0230% | 444 |
| Loan loss allowance to noncurrent loans | 101.7361% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 2,610 |
| Noncurrent loans to loans | 1.9885% | 680 |
| Net loans and leases to total assets | 22.1945% | 5,143 |
| Net loans and leases to deposits | 28.9325% | 5,130 |
| Net loans and leases to core deposits | 30.4432% | 5,130 |
| Total domestic deposits to total assets | 76.7115% | 4,553 |
| Equity capital to assets | 22.9038% | 163 |
| Core capital (leverage) ratio | 23.2331% | 150 |
| Tier 1 risk-based capital ratio | 22.7799% | 972 |
| Total risk-based capital ratio | 23.2360% | 1,046 |
| Memoranda: | ||
| Average total assets | $127,531,000 | 3,633 |
| Average earning assets | $123,547,500 | 3,550 |
| Average equity | $28,306,250 | 2,499 |
| Average total loans | $24,861,000 | 4,825 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3705% | 5,095 |
| Cost of funding earning assets | 0.3341% | 4,727 |
| Net interest margin | 3.0364% | 4,622 |
| Noninterest income to average assets | 0.3720% | 3,452 |
| Noninterest expense to average assets | 1.6105% | 5,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2491% | 1,963 |
| Return on assets (ROA) | 1.2714% | 1,942 |
| Pretax return on assets | 1.7282% | 1,220 |
| Return on Equity (ROE) | 5.7901% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.7901% | 2,377 |
| Net charge-offs to loans | -0.0085% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6486% | 4,860 |
| Assets per employee ($millions) | 6.2378% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2657% | 309 |
| Loan loss allowance to noncurrent loans | 211.0714% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 3,558 |
| Noncurrent loans to loans | 1.0734% | 1,526 |
| Net loans and leases to total assets | 20.4351% | 5,203 |
| Net loans and leases to deposits | 26.6111% | 5,197 |
| Net loans and leases to core deposits | 28.0329% | 5,192 |
| Total domestic deposits to total assets | 76.7915% | 4,586 |
| Equity capital to assets | 23.0105% | 160 |
| Core capital (leverage) ratio | 23.1932% | 145 |
| Tier 1 risk-based capital ratio | 71.9552% | 62 |
| Total risk-based capital ratio | 73.2064% | 63 |
| Memoranda: | ||
| Average total assets | $127,416,670 | 3,660 |
| Average earning assets | $123,304,330 | 3,573 |
| Average equity | $27,979,000 | 2,513 |
| Average total loans | $23,492,330 | 4,905 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4059% | 5,108 |
| Cost of funding earning assets | 0.3213% | 4,773 |
| Net interest margin | 3.0846% | 4,611 |
| Noninterest income to average assets | 0.2361% | 4,321 |
| Noninterest expense to average assets | 1.6031% | 5,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1868% | 2,105 |
| Return on assets (ROA) | 1.1868% | 2,152 |
| Pretax return on assets | 1.6156% | 1,427 |
| Return on Equity (ROE) | 5.5332% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.5332% | 2,682 |
| Net charge-offs to loans | -0.0180% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8069% | 4,845 |
| Assets per employee ($millions) | 6.2801% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6899% | 196 |
| Loan loss allowance to noncurrent loans | 193.1373% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 3,462 |
| Noncurrent loans to loans | 1.3927% | 1,160 |
| Net loans and leases to total assets | 17.0220% | 5,279 |
| Net loans and leases to deposits | 21.9891% | 5,269 |
| Net loans and leases to core deposits | 23.1533% | 5,268 |
| Total domestic deposits to total assets | 77.4112% | 4,605 |
| Equity capital to assets | 22.3738% | 165 |
| Core capital (leverage) ratio | 22.4478% | 163 |
| Tier 1 risk-based capital ratio | 61.0218% | 88 |
| Total risk-based capital ratio | 62.2719% | 87 |
| Memoranda: | ||
| Average total assets | $128,747,000 | 3,673 |
| Average earning assets | $124,489,000 | 3,593 |
| Average equity | $27,615,000 | 2,542 |
| Average total loans | $22,196,000 | 4,990 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3757% | 5,027 |
| Cost of funding earning assets | 0.3095% | 4,524 |
| Net interest margin | 3.0663% | 4,704 |
| Noninterest income to average assets | 0.2342% | 4,511 |
| Noninterest expense to average assets | 1.6822% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3068% | 1,763 |
| Return on assets (ROA) | 1.3068% | 1,753 |
| Pretax return on assets | 1.5227% | 1,704 |
| Return on Equity (ROE) | 6.3838% | 4,040 |
| Retained earnings to average equity (ytd only) | 3.9615% | 3,394 |
| Net charge-offs to loans | -0.0492% | 4,972 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4875% | 4,758 |
| Assets per employee ($millions) | 6.9417% | 1,003 |
| Cash dividends to net income (ytd only)* | 37.9451% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6315% | 198 |
| Loan loss allowance to noncurrent loans | 234.1270% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 3,678 |
| Noncurrent loans to loans | 1.1239% | 1,436 |
| Net loans and leases to total assets | 16.5522% | 5,328 |
| Net loans and leases to deposits | 20.8681% | 5,320 |
| Net loans and leases to core deposits | 21.9213% | 5,314 |
| Total domestic deposits to total assets | 79.3179% | 4,249 |
| Equity capital to assets | 20.5683% | 208 |
| Core capital (leverage) ratio | 21.6642% | 173 |
| Tier 1 risk-based capital ratio | 56.2095% | 98 |
| Total risk-based capital ratio | 57.3865% | 96 |
| Memoranda: | ||
| Average total assets | $131,080,600 | 3,638 |
| Average earning assets | $126,994,600 | 3,544 |
| Average equity | $26,833,400 | 2,519 |
| Average total loans | $22,350,600 | 5,019 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3521% | 5,083 |
| Cost of funding earning assets | 0.3066% | 4,474 |
| Net interest margin | 3.0454% | 4,786 |
| Noninterest income to average assets | 0.2190% | 4,651 |
| Noninterest expense to average assets | 1.5526% | 5,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1929% | 2,268 |
| Return on assets (ROA) | 1.1929% | 2,272 |
| Pretax return on assets | 1.6208% | 1,509 |
| Return on Equity (ROE) | 5.8345% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.8345% | 2,740 |
| Net charge-offs to loans | -0.0657% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9246% | 5,001 |
| Assets per employee ($millions) | 6.7872% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4107% | 268 |
| Loan loss allowance to noncurrent loans | 98.4975% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 2,677 |
| Noncurrent loans to loans | 2.4475% | 541 |
| Net loans and leases to total assets | 18.5210% | 5,391 |
| Net loans and leases to deposits | 23.4651% | 5,384 |
| Net loans and leases to core deposits | 24.6690% | 5,380 |
| Total domestic deposits to total assets | 78.9300% | 4,329 |
| Equity capital to assets | 20.8978% | 197 |
| Core capital (leverage) ratio | 21.9778% | 166 |
| Tier 1 risk-based capital ratio | 69.0250% | 61 |
| Total risk-based capital ratio | 70.2770% | 60 |
| Memoranda: | ||
| Average total assets | $130,877,750 | 3,670 |
| Average earning assets | $126,962,750 | 3,579 |
| Average equity | $26,759,750 | 2,535 |
| Average total loans | $22,333,000 | 5,079 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3289% | 5,114 |
| Cost of funding earning assets | 0.2988% | 4,425 |
| Net interest margin | 3.0301% | 4,840 |
| Noninterest income to average assets | 0.2099% | 4,755 |
| Noninterest expense to average assets | 1.5329% | 5,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2226% | 2,088 |
| Return on assets (ROA) | 1.2226% | 2,086 |
| Pretax return on assets | 1.6226% | 1,430 |
| Return on Equity (ROE) | 6.0232% | 4,233 |
| Retained earnings to average equity (ytd only) | 6.0232% | 2,547 |
| Net charge-offs to loans | -0.0925% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5783% | 5,088 |
| Assets per employee ($millions) | 6.8452% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5889% | 226 |
| Loan loss allowance to noncurrent loans | 141.9277% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 3,276 |
| Noncurrent loans to loans | 1.8241% | 852 |
| Net loans and leases to total assets | 17.0401% | 5,460 |
| Net loans and leases to deposits | 21.5056% | 5,458 |
| Net loans and leases to core deposits | 22.6522% | 5,454 |
| Total domestic deposits to total assets | 79.2354% | 4,386 |
| Equity capital to assets | 20.6154% | 203 |
| Core capital (leverage) ratio | 21.5690% | 174 |
| Tier 1 risk-based capital ratio | 59.5055% | 90 |
| Total risk-based capital ratio | 60.7546% | 90 |
| Memoranda: | ||
| Average total assets | $131,518,330 | 3,684 |
| Average earning assets | $127,851,670 | 3,590 |
| Average equity | $26,696,670 | 2,550 |
| Average total loans | $21,619,330 | 5,162 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2971% | 5,142 |
| Cost of funding earning assets | 0.2955% | 4,385 |
| Net interest margin | 3.0016% | 4,881 |
| Noninterest income to average assets | 0.2359% | 4,594 |
| Noninterest expense to average assets | 1.5395% | 5,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1887% | 2,057 |
| Return on assets (ROA) | 1.1887% | 2,070 |
| Pretax return on assets | 1.6151% | 1,346 |
| Return on Equity (ROE) | 5.9011% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.9011% | 2,758 |
| Net charge-offs to loans | -0.1710% | 5,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8015% | 5,154 |
| Assets per employee ($millions) | 7.3524% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9188% | 169 |
| Loan loss allowance to noncurrent loans | 147.0000% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 3,387 |
| Noncurrent loans to loans | 1.9856% | 808 |
| Net loans and leases to total assets | 14.7774% | 5,534 |
| Net loans and leases to deposits | 18.5345% | 5,528 |
| Net loans and leases to core deposits | 19.5459% | 5,525 |
| Total domestic deposits to total assets | 79.7293% | 4,458 |
| Equity capital to assets | 20.0651% | 213 |
| Core capital (leverage) ratio | 20.8866% | 185 |
| Tier 1 risk-based capital ratio | 62.8824% | 79 |
| Total risk-based capital ratio | 64.1329% | 79 |
| Memoranda: | ||
| Average total assets | $132,248,500 | 3,711 |
| Average earning assets | $128,599,000 | 3,609 |
| Average equity | $26,639,000 | 2,578 |
| Average total loans | $21,053,500 | 5,230 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3557% | 5,004 |
| Cost of funding earning assets | 0.2885% | 4,237 |
| Net interest margin | 3.0672% | 4,752 |
| Noninterest income to average assets | 0.3131% | 4,222 |
| Noninterest expense to average assets | 1.7176% | 5,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2494% | 1,363 |
| Return on assets (ROA) | 1.3776% | 1,082 |
| Pretax return on assets | 1.7429% | 912 |
| Return on Equity (ROE) | 6.7766% | 3,396 |
| Retained earnings to average equity (ytd only) | 4.3172% | 2,566 |
| Net charge-offs to loans | 0.0129% | 3,630 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 685.0000% | 126 |
| Efficiency ratio | 52.0756% | 5,095 |
| Assets per employee ($millions) | 6.9554% | 987 |
| Cash dividends to net income (ytd only)* | 36.2926% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6364% | 210 |
| Loan loss allowance to noncurrent loans | 311.2903% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 4,134 |
| Noncurrent loans to loans | 0.8469% | 2,102 |
| Net loans and leases to total assets | 16.1805% | 5,594 |
| Net loans and leases to deposits | 20.3021% | 5,591 |
| Net loans and leases to core deposits | 21.4314% | 5,585 |
| Total domestic deposits to total assets | 79.6985% | 4,397 |
| Equity capital to assets | 20.2213% | 197 |
| Core capital (leverage) ratio | 20.6159% | 186 |
| Tier 1 risk-based capital ratio | 61.7670% | 79 |
| Total risk-based capital ratio | 63.0177% | 79 |
| Memoranda: | ||
| Average total assets | $130,009,600 | 3,746 |
| Average earning assets | $126,531,800 | 3,643 |
| Average equity | $26,429,000 | 2,581 |
| Average total loans | $23,202,200 | 5,216 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3875% | 4,977 |
| Cost of funding earning assets | 0.2867% | 4,253 |
| Net interest margin | 3.1008% | 4,712 |
| Noninterest income to average assets | 0.3254% | 4,211 |
| Noninterest expense to average assets | 1.6198% | 5,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0545% | 2,312 |
| Return on assets (ROA) | 1.1935% | 1,754 |
| Pretax return on assets | 1.9411% | 620 |
| Return on Equity (ROE) | 5.8633% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.8633% | 2,328 |
| Net charge-offs to loans | -0.0510% | 5,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4447% | 5,320 |
| Assets per employee ($millions) | 6.4083% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3655% | 313 |
| Loan loss allowance to noncurrent loans | 332.0225% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 4,241 |
| Noncurrent loans to loans | 0.7125% | 2,575 |
| Net loans and leases to total assets | 19.0323% | 5,643 |
| Net loans and leases to deposits | 24.2576% | 5,633 |
| Net loans and leases to core deposits | 25.5512% | 5,632 |
| Total domestic deposits to total assets | 78.4592% | 4,636 |
| Equity capital to assets | 21.0493% | 186 |
| Core capital (leverage) ratio | 21.3277% | 164 |
| Tier 1 risk-based capital ratio | 56.9787% | 92 |
| Total risk-based capital ratio | 58.2199% | 92 |
| Memoranda: | ||
| Average total assets | $129,473,750 | 3,791 |
| Average earning assets | $126,027,750 | 3,679 |
| Average equity | $26,355,500 | 2,608 |
| Average total loans | $23,512,250 | 5,262 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4182% | 4,943 |
| Cost of funding earning assets | 0.2859% | 4,229 |
| Net interest margin | 3.1323% | 4,597 |
| Noninterest income to average assets | 0.3618% | 3,970 |
| Noninterest expense to average assets | 1.6057% | 5,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1024% | 1,960 |
| Return on assets (ROA) | 1.3024% | 1,313 |
| Pretax return on assets | 2.1215% | 426 |
| Return on Equity (ROE) | 6.4709% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.4709% | 1,864 |
| Net charge-offs to loans | -0.0695% | 5,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0243% | 5,435 |
| Assets per employee ($millions) | 6.4033% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3678% | 343 |
| Loan loss allowance to noncurrent loans | 144.9631% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 3,560 |
| Noncurrent loans to loans | 1.6334% | 1,129 |
| Net loans and leases to total assets | 18.9966% | 5,689 |
| Net loans and leases to deposits | 24.1098% | 5,685 |
| Net loans and leases to core deposits | 25.3893% | 5,682 |
| Total domestic deposits to total assets | 78.7920% | 4,665 |
| Equity capital to assets | 20.8152% | 194 |
| Core capital (leverage) ratio | 20.7379% | 181 |
| Tier 1 risk-based capital ratio | 54.4219% | 101 |
| Total risk-based capital ratio | 55.6191% | 100 |
| Memoranda: | ||
| Average total assets | $129,909,670 | 3,803 |
| Average earning assets | $126,616,670 | 3,697 |
| Average equity | $26,148,000 | 2,618 |
| Average total loans | $23,021,670 | 5,313 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4853% | 4,732 |
| Cost of funding earning assets | 0.2857% | 4,192 |
| Net interest margin | 3.1996% | 4,349 |
| Noninterest income to average assets | 0.2568% | 4,696 |
| Noninterest expense to average assets | 1.6999% | 5,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0092% | 2,266 |
| Return on assets (ROA) | 1.4064% | 1,015 |
| Pretax return on assets | 2.2930% | 308 |
| Return on Equity (ROE) | 7.1060% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.1060% | 1,809 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4080% | 5,354 |
| Assets per employee ($millions) | 7.2562% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7639% | 233 |
| Loan loss allowance to noncurrent loans | 352.7273% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.1952% | 4,458 |
| Noncurrent loans to loans | 0.7836% | 2,501 |
| Net loans and leases to total assets | 15.6762% | 5,780 |
| Net loans and leases to deposits | 19.6205% | 5,771 |
| Net loans and leases to core deposits | 20.6237% | 5,767 |
| Total domestic deposits to total assets | 79.8969% | 4,638 |
| Equity capital to assets | 19.9132% | 216 |
| Core capital (leverage) ratio | 20.3295% | 191 |
| Tier 1 risk-based capital ratio | 57.5610% | 92 |
| Total risk-based capital ratio | 58.8110% | 91 |
| Memoranda: | ||
| Average total assets | $130,832,000 | 3,827 |
| Average earning assets | $127,390,500 | 3,713 |
| Average equity | $25,893,500 | 2,650 |
| Average total loans | $22,073,500 | 5,403 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3686% | 5,040 |
| Cost of funding earning assets | 0.2939% | 4,131 |
| Net interest margin | 3.0746% | 4,790 |
| Noninterest income to average assets | 0.2265% | 5,055 |
| Noninterest expense to average assets | 1.5970% | 5,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2596% | 1,330 |
| Return on assets (ROA) | 1.2938% | 1,302 |
| Pretax return on assets | 1.6692% | 1,085 |
| Return on Equity (ROE) | 6.4602% | 3,757 |
| Retained earnings to average equity (ytd only) | 3.9682% | 3,098 |
| Net charge-offs to loans | -0.1619% | 5,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5592% | 5,505 |
| Assets per employee ($millions) | 7.2807% | 811 |
| Cash dividends to net income (ytd only)* | 38.5757% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5206% | 308 |
| Loan loss allowance to noncurrent loans | 266.9725% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 4,365 |
| Noncurrent loans to loans | 0.9441% | 2,199 |
| Net loans and leases to total assets | 17.1749% | 5,829 |
| Net loans and leases to deposits | 21.4032% | 5,821 |
| Net loans and leases to core deposits | 22.4306% | 5,817 |
| Total domestic deposits to total assets | 80.2445% | 4,520 |
| Equity capital to assets | 19.6701% | 214 |
| Core capital (leverage) ratio | 19.9085% | 198 |
| Tier 1 risk-based capital ratio | 55.2466% | 109 |
| Total risk-based capital ratio | 56.4847% | 109 |
| Memoranda: | ||
| Average total assets | $130,240,200 | 3,824 |
| Average earning assets | $126,908,800 | 3,705 |
| Average equity | $26,082,600 | 2,630 |
| Average total loans | $24,086,000 | 5,387 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3992% | 5,026 |
| Cost of funding earning assets | 0.2954% | 4,154 |
| Net interest margin | 3.1039% | 4,768 |
| Noninterest income to average assets | 0.2133% | 5,188 |
| Noninterest expense to average assets | 1.5124% | 5,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0607% | 2,158 |
| Return on assets (ROA) | 1.0981% | 2,108 |
| Pretax return on assets | 1.7871% | 920 |
| Return on Equity (ROE) | 5.4588% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.4588% | 2,514 |
| Net charge-offs to loans | 0.0219% | 3,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 421.7523% | 211 |
| Efficiency ratio | 46.6624% | 5,643 |
| Assets per employee ($millions) | 7.1584% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0164% | 710 |
| Loan loss allowance to noncurrent loans | 150.1393% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 4,013 |
| Noncurrent loans to loans | 1.3430% | 1,641 |
| Net loans and leases to total assets | 20.3274% | 5,863 |
| Net loans and leases to deposits | 25.9906% | 5,848 |
| Net loans and leases to core deposits | 27.3694% | 5,850 |
| Total domestic deposits to total assets | 78.2105% | 4,874 |
| Equity capital to assets | 20.8598% | 200 |
| Core capital (leverage) ratio | 20.2147% | 194 |
| Tier 1 risk-based capital ratio | 52.3470% | 119 |
| Total risk-based capital ratio | 53.4320% | 120 |
| Memoranda: | ||
| Average total assets | $130,037,250 | 3,851 |
| Average earning assets | $126,848,500 | 3,726 |
| Average equity | $26,158,750 | 2,645 |
| Average total loans | $24,335,000 | 5,429 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3806% | 5,123 |
| Cost of funding earning assets | 0.2972% | 4,165 |
| Net interest margin | 3.0834% | 4,877 |
| Noninterest income to average assets | 0.2223% | 5,161 |
| Noninterest expense to average assets | 1.4766% | 5,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0726% | 2,079 |
| Return on assets (ROA) | 1.1286% | 1,970 |
| Pretax return on assets | 1.8400% | 801 |
| Return on Equity (ROE) | 5.6792% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.6792% | 2,318 |
| Net charge-offs to loans | 0.0510% | 2,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 190.5000% | 345 |
| Efficiency ratio | 45.7265% | 5,763 |
| Assets per employee ($millions) | 6.7914% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1359% | 589 |
| Loan loss allowance to noncurrent loans | 542.4242% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 4,928 |
| Noncurrent loans to loans | 0.3938% | 3,952 |
| Net loans and leases to total assets | 19.0683% | 5,952 |
| Net loans and leases to deposits | 24.2464% | 5,940 |
| Net loans and leases to core deposits | 25.6969% | 5,941 |
| Total domestic deposits to total assets | 78.6439% | 4,863 |
| Equity capital to assets | 20.5485% | 204 |
| Core capital (leverage) ratio | 19.8145% | 203 |
| Tier 1 risk-based capital ratio | 52.2925% | 120 |
| Total risk-based capital ratio | 53.3863% | 119 |
| Memoranda: | ||
| Average total assets | $130,432,670 | 3,869 |
| Average earning assets | $127,195,670 | 3,738 |
| Average equity | $25,919,000 | 2,672 |
| Average total loans | $23,536,330 | 5,518 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4009% | 5,128 |
| Cost of funding earning assets | 0.2938% | 4,233 |
| Net interest margin | 3.1070% | 4,840 |
| Noninterest income to average assets | 0.2135% | 5,208 |
| Noninterest expense to average assets | 1.4489% | 5,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0967% | 1,917 |
| Return on assets (ROA) | 1.2080% | 1,629 |
| Pretax return on assets | 1.9705% | 604 |
| Return on Equity (ROE) | 6.1824% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.1824% | 2,290 |
| Net charge-offs to loans | 0.1232% | 1,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 84.1429% | 609 |
| Efficiency ratio | 44.6429% | 5,850 |
| Assets per employee ($millions) | 6.9477% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4067% | 437 |
| Loan loss allowance to noncurrent loans | 724.3243% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 5,076 |
| Noncurrent loans to loans | 0.3323% | 4,246 |
| Net loans and leases to total assets | 16.4652% | 6,027 |
| Net loans and leases to deposits | 20.6695% | 6,024 |
| Net loans and leases to core deposits | 21.7370% | 6,022 |
| Total domestic deposits to total assets | 79.6593% | 4,825 |
| Equity capital to assets | 19.6824% | 224 |
| Core capital (leverage) ratio | 19.2430% | 225 |
| Tier 1 risk-based capital ratio | 55.1163% | 108 |
| Total risk-based capital ratio | 56.2825% | 106 |
| Memoranda: | ||
| Average total assets | $131,131,000 | 3,892 |
| Average earning assets | $127,968,000 | 3,752 |
| Average equity | $25,621,000 | 2,695 |
| Average total loans | $22,733,500 | 5,597 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2768% | 5,384 |
| Cost of funding earning assets | 0.2932% | 4,328 |
| Net interest margin | 2.9836% | 5,178 |
| Noninterest income to average assets | 0.2674% | 4,957 |
| Noninterest expense to average assets | 1.5614% | 5,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3307% | 1,206 |
| Return on assets (ROA) | 1.4089% | 1,066 |
| Pretax return on assets | 1.7131% | 962 |
| Return on Equity (ROE) | 7.5428% | 3,227 |
| Retained earnings to average equity (ytd only) | 4.9294% | 2,469 |
| Net charge-offs to loans | 0.1323% | 2,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 65.2727% | 818 |
| Efficiency ratio | 49.1141% | 5,795 |
| Assets per employee ($millions) | 6.8556% | 940 |
| Cash dividends to net income (ytd only)* | 34.6482% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3409% | 490 |
| Loan loss allowance to noncurrent loans | 374.4828% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 4,883 |
| Noncurrent loans to loans | 0.6251% | 3,313 |
| Net loans and leases to total assets | 17.3911% | 6,089 |
| Net loans and leases to deposits | 21.6555% | 6,071 |
| Net loans and leases to core deposits | 22.7774% | 6,072 |
| Total domestic deposits to total assets | 80.3080% | 4,662 |
| Equity capital to assets | 19.3926% | 235 |
| Core capital (leverage) ratio | 19.0140% | 239 |
| Tier 1 risk-based capital ratio | 53.1343% | 111 |
| Total risk-based capital ratio | 54.2913% | 110 |
| Memoranda: | ||
| Average total assets | $133,150,000 | 3,827 |
| Average earning assets | $129,943,600 | 3,704 |
| Average equity | $24,871,400 | 2,702 |
| Average total loans | $24,945,600 | 5,555 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2483% | 5,511 |
| Cost of funding earning assets | 0.2929% | 4,419 |
| Net interest margin | 2.9554% | 5,295 |
| Noninterest income to average assets | 0.2818% | 4,929 |
| Noninterest expense to average assets | 1.4710% | 6,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0365% | 2,290 |
| Return on assets (ROA) | 1.1174% | 2,007 |
| Pretax return on assets | 1.8216% | 858 |
| Return on Equity (ROE) | 6.0384% | 4,132 |
| Retained earnings to average equity (ytd only) | 6.0384% | 2,222 |
| Net charge-offs to loans | -0.0052% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4612% | 5,948 |
| Assets per employee ($millions) | 6.8316% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0848% | 798 |
| Loan loss allowance to noncurrent loans | 270.8920% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 5,102 |
| Noncurrent loans to loans | 0.7696% | 3,039 |
| Net loans and leases to total assets | 20.8781% | 6,126 |
| Net loans and leases to deposits | 26.2038% | 6,127 |
| Net loans and leases to core deposits | 27.4948% | 6,117 |
| Total domestic deposits to total assets | 79.6758% | 4,811 |
| Equity capital to assets | 19.5684% | 252 |
| Core capital (leverage) ratio | 19.0205% | 242 |
| Tier 1 risk-based capital ratio | 48.3414% | 150 |
| Total risk-based capital ratio | 49.4647% | 150 |
| Memoranda: | ||
| Average total assets | $133,873,500 | 3,863 |
| Average earning assets | $130,650,500 | 3,712 |
| Average equity | $24,774,250 | 2,732 |
| Average total loans | $25,383,000 | 5,599 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1726% | 5,660 |
| Cost of funding earning assets | 0.2926% | 4,473 |
| Net interest margin | 2.8800% | 5,477 |
| Noninterest income to average assets | 0.2958% | 4,844 |
| Noninterest expense to average assets | 1.4346% | 6,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0230% | 2,277 |
| Return on assets (ROA) | 1.0589% | 2,211 |
| Pretax return on assets | 1.7274% | 1,028 |
| Return on Equity (ROE) | 5.8293% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.8293% | 2,340 |
| Net charge-offs to loans | 0.0244% | 3,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 376.6667% | 183 |
| Efficiency ratio | 46.1905% | 6,037 |
| Assets per employee ($millions) | 6.5361% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2136% | 719 |
| Loan loss allowance to noncurrent loans | 636.6667% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 5,588 |
| Noncurrent loans to loans | 0.3477% | 4,447 |
| Net loans and leases to total assets | 19.3634% | 6,215 |
| Net loans and leases to deposits | 24.0156% | 6,216 |
| Net loans and leases to core deposits | 25.1119% | 6,210 |
| Total domestic deposits to total assets | 80.6282% | 4,708 |
| Equity capital to assets | 18.8952% | 271 |
| Core capital (leverage) ratio | 18.3230% | 271 |
| Tier 1 risk-based capital ratio | 49.2014% | 155 |
| Total risk-based capital ratio | 50.3555% | 155 |
| Memoranda: | ||
| Average total assets | $135,231,000 | 3,876 |
| Average earning assets | $131,942,670 | 3,723 |
| Average equity | $24,565,670 | 2,761 |
| Average total loans | $24,618,330 | 5,676 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1216% | 5,757 |
| Cost of funding earning assets | 0.2916% | 4,534 |
| Net interest margin | 2.8300% | 5,588 |
| Noninterest income to average assets | 0.2415% | 5,242 |
| Noninterest expense to average assets | 1.3820% | 6,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9912% | 2,302 |
| Return on assets (ROA) | 1.0619% | 2,125 |
| Pretax return on assets | 1.7369% | 976 |
| Return on Equity (ROE) | 5.9595% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.9595% | 2,525 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9381% | 6,106 |
| Assets per employee ($millions) | 6.8056% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5257% | 511 |
| Loan loss allowance to noncurrent loans | 208.6957% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 5,148 |
| Noncurrent loans to loans | 1.2102% | 2,349 |
| Net loans and leases to total assets | 16.3323% | 6,311 |
| Net loans and leases to deposits | 20.1348% | 6,305 |
| Net loans and leases to core deposits | 21.2642% | 6,296 |
| Total domestic deposits to total assets | 81.1147% | 4,797 |
| Equity capital to assets | 18.1771% | 320 |
| Core capital (leverage) ratio | 17.4621% | 325 |
| Tier 1 risk-based capital ratio | 51.7697% | 140 |
| Total risk-based capital ratio | 53.0082% | 142 |
| Memoranda: | ||
| Average total assets | $137,486,000 | 3,851 |
| Average earning assets | $134,417,500 | 3,709 |
| Average equity | $24,498,500 | 2,789 |
| Average total loans | $23,985,000 | 5,751 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4289% | 5,466 |
| Cost of funding earning assets | 0.2948% | 4,844 |
| Net interest margin | 3.1341% | 5,116 |
| Noninterest income to average assets | 0.4820% | 3,636 |
| Noninterest expense to average assets | 1.6063% | 6,232 |
| Loan and lease loss provision to assets | 0.0739% | 3,004 |
| Net operating income to assets | 1.4593% | 963 |
| Return on assets (ROA) | 1.7098% | 591 |
| Pretax return on assets | 2.1526% | 359 |
| Return on Equity (ROE) | 9.9456% | 2,147 |
| Retained earnings to average equity (ytd only) | 6.5057% | 1,636 |
| Net charge-offs to loans | 0.3486% | 1,262 |
| Credit loss provision to net charge-offs | 116.2791% | 2,055 |
| Earnings coverage of net charge-offs (x) | 30.0349% | 1,333 |
| Efficiency ratio | 45.6897% | 6,279 |
| Assets per employee ($millions) | 7.3085% | 717 |
| Cash dividends to net income (ytd only)* | 34.5871% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2890% | 732 |
| Loan loss allowance to noncurrent loans | 139.1304% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 4,842 |
| Noncurrent loans to loans | 1.6452% | 1,778 |
| Net loans and leases to total assets | 17.7069% | 6,395 |
| Net loans and leases to deposits | 21.5724% | 6,390 |
| Net loans and leases to core deposits | 22.7403% | 6,385 |
| Total domestic deposits to total assets | 82.0814% | 4,389 |
| Equity capital to assets | 17.4678% | 367 |
| Core capital (leverage) ratio | 16.9829% | 370 |
| Tier 1 risk-based capital ratio | 31.6501% | 445 |
| Total risk-based capital ratio | 32.4190% | 460 |
| Memoranda: | ||
| Average total assets | $135,280,000 | 3,881 |
| Average earning assets | $130,946,400 | 3,749 |
| Average equity | $23,256,600 | 2,822 |
| Average total loans | $24,669,400 | 5,793 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4489% | 5,503 |
| Cost of funding earning assets | 0.2927% | 4,955 |
| Net interest margin | 3.1562% | 5,099 |
| Noninterest income to average assets | 0.5258% | 3,352 |
| Noninterest expense to average assets | 1.5051% | 6,355 |
| Loan and lease loss provision to assets | 0.0992% | 2,388 |
| Net operating income to assets | 1.2029% | 1,671 |
| Return on assets (ROA) | 1.3801% | 1,215 |
| Pretax return on assets | 2.2472% | 336 |
| Return on Equity (ROE) | 8.0612% | 3,167 |
| Retained earnings to average equity (ytd only) | 8.0612% | 1,329 |
| Net charge-offs to loans | 0.0598% | 3,352 |
| Credit loss provision to net charge-offs | 909.0909% | 351 |
| Earnings coverage of net charge-offs (x) | 189.5883% | 336 |
| Efficiency ratio | 42.1038% | 6,414 |
| Assets per employee ($millions) | 7.1547% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3957% | 743 |
| Loan loss allowance to noncurrent loans | 237.5912% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 5,416 |
| Noncurrent loans to loans | 1.0083% | 3,050 |
| Net loans and leases to total assets | 19.5108% | 6,456 |
| Net loans and leases to deposits | 23.9700% | 6,449 |
| Net loans and leases to core deposits | 25.0241% | 6,441 |
| Total domestic deposits to total assets | 81.3969% | 4,701 |
| Equity capital to assets | 17.6357% | 365 |
| Core capital (leverage) ratio | 17.3004% | 343 |
| Tier 1 risk-based capital ratio | 31.5573% | 456 |
| Total risk-based capital ratio | 32.4281% | 466 |
| Memoranda: | ||
| Average total assets | $134,384,750 | 3,930 |
| Average earning assets | $129,814,250 | 3,790 |
| Average equity | $23,006,750 | 2,856 |
| Average total loans | $24,545,750 | 5,859 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 5,579 |
| Cost of funding earning assets | 0.2876% | 5,101 |
| Net interest margin | 3.1342% | 5,145 |
| Noninterest income to average assets | 0.5737% | 2,970 |
| Noninterest expense to average assets | 1.5075% | 6,415 |
| Loan and lease loss provision to assets | 0.1494% | 1,649 |
| Net operating income to assets | 1.1839% | 1,641 |
| Return on assets (ROA) | 1.4507% | 1,000 |
| Pretax return on assets | 2.3621% | 271 |
| Return on Equity (ROE) | 8.5610% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.5610% | 1,126 |
| Net charge-offs to loans | 0.1014% | 2,665 |
| Credit loss provision to net charge-offs | 833.3333% | 390 |
| Earnings coverage of net charge-offs (x) | 116.8333% | 497 |
| Efficiency ratio | 41.8499% | 6,485 |
| Assets per employee ($millions) | 7.2085% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5786% | 637 |
| Loan loss allowance to noncurrent loans | 230.4965% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 5,504 |
| Noncurrent loans to loans | 1.1187% | 2,981 |
| Net loans and leases to total assets | 17.9299% | 6,540 |
| Net loans and leases to deposits | 21.8675% | 6,537 |
| Net loans and leases to core deposits | 22.6238% | 6,531 |
| Total domestic deposits to total assets | 81.9934% | 4,653 |
| Equity capital to assets | 17.2064% | 390 |
| Core capital (leverage) ratio | 17.1826% | 350 |
| Tier 1 risk-based capital ratio | 31.6058% | 459 |
| Total risk-based capital ratio | 32.4925% | 467 |
| Memoranda: | ||
| Average total assets | $133,866,330 | 3,960 |
| Average earning assets | $129,347,670 | 3,819 |
| Average equity | $22,684,330 | 2,881 |
| Average total loans | $23,669,670 | 5,944 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4331% | 5,577 |
| Cost of funding earning assets | 0.2754% | 5,330 |
| Net interest margin | 3.1577% | 5,058 |
| Noninterest income to average assets | 0.2842% | 5,097 |
| Noninterest expense to average assets | 1.4782% | 6,504 |
| Loan and lease loss provision to assets | 0.3023% | 639 |
| Net operating income to assets | 0.8145% | 3,088 |
| Return on assets (ROA) | 1.3543% | 1,132 |
| Pretax return on assets | 2.3972% | 265 |
| Return on Equity (ROE) | 8.0563% | 2,897 |
| Retained earnings to average equity (ytd only) | 8.0563% | 1,572 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3336% | 6,487 |
| Assets per employee ($millions) | 6.7088% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9975% | 436 |
| Loan loss allowance to noncurrent loans | 221.4047% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 5,540 |
| Noncurrent loans to loans | 1.3539% | 2,780 |
| Net loans and leases to total assets | 15.9665% | 6,627 |
| Net loans and leases to deposits | 19.2910% | 6,628 |
| Net loans and leases to core deposits | 19.9274% | 6,620 |
| Total domestic deposits to total assets | 82.7665% | 4,681 |
| Equity capital to assets | 16.8317% | 412 |
| Core capital (leverage) ratio | 17.1262% | 358 |
| Tier 1 risk-based capital ratio | 48.9739% | 144 |
| Total risk-based capital ratio | 50.2282% | 143 |
| Memoranda: | ||
| Average total assets | $132,319,000 | 4,023 |
| Average earning assets | $127,815,500 | 3,895 |
| Average equity | $22,243,500 | 2,922 |
| Average total loans | $22,901,000 | 6,022 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2884% | 6,012 |
| Cost of funding earning assets | 0.3197% | 5,426 |
| Net interest margin | 2.9687% | 5,646 |
| Noninterest income to average assets | 0.4268% | 4,257 |
| Noninterest expense to average assets | 1.7003% | 6,445 |
| Loan and lease loss provision to assets | 0.0747% | 3,619 |
| Net operating income to assets | 1.2033% | 1,551 |
| Return on assets (ROA) | 1.2242% | 1,538 |
| Pretax return on assets | 1.5374% | 1,337 |
| Return on Equity (ROE) | 7.4051% | 3,353 |
| Retained earnings to average equity (ytd only) | 4.6926% | 2,818 |
| Net charge-offs to loans | 2.0766% | 176 |
| Credit loss provision to net charge-offs | 18.3486% | 4,477 |
| Earnings coverage of net charge-offs (x) | 3.8936% | 3,723 |
| Efficiency ratio | 51.7398% | 6,312 |
| Assets per employee ($millions) | 6.5232% | 978 |
| Cash dividends to net income (ytd only)* | 36.6300% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3696% | 962 |
| Loan loss allowance to noncurrent loans | 104.0741% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 5,012 |
| Noncurrent loans to loans | 2.2768% | 1,695 |
| Net loans and leases to total assets | 17.7483% | 6,697 |
| Net loans and leases to deposits | 21.3528% | 6,693 |
| Net loans and leases to core deposits | 22.0766% | 6,689 |
| Total domestic deposits to total assets | 83.1194% | 4,507 |
| Equity capital to assets | 16.7887% | 422 |
| Core capital (leverage) ratio | 16.9303% | 378 |
| Tier 1 risk-based capital ratio | 46.6982% | 153 |
| Total risk-based capital ratio | 47.8805% | 155 |
| Memoranda: | ||
| Average total assets | $133,798,800 | 3,999 |
| Average earning assets | $128,877,400 | 3,872 |
| Average equity | $22,120,000 | 2,917 |
| Average total loans | $26,244,800 | 5,928 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 6,203 |
| Cost of funding earning assets | 0.3237% | 5,517 |
| Net interest margin | 2.8690% | 5,882 |
| Noninterest income to average assets | 0.4526% | 4,138 |
| Noninterest expense to average assets | 1.5528% | 6,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0226% | 2,286 |
| Return on assets (ROA) | 1.0448% | 2,284 |
| Pretax return on assets | 1.6994% | 1,099 |
| Return on Equity (ROE) | 6.3435% | 4,013 |
| Retained earnings to average equity (ytd only) | 6.3435% | 2,217 |
| Net charge-offs to loans | 0.9326% | 619 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 8.9415% | 2,554 |
| Efficiency ratio | 48.2610% | 6,494 |
| Assets per employee ($millions) | 6.2319% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7799% | 685 |
| Loan loss allowance to noncurrent loans | 235.3448% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 5,645 |
| Noncurrent loans to loans | 1.1812% | 3,455 |
| Net loans and leases to total assets | 21.8858% | 6,719 |
| Net loans and leases to deposits | 26.6276% | 6,715 |
| Net loans and leases to core deposits | 27.4430% | 6,717 |
| Total domestic deposits to total assets | 82.1923% | 4,864 |
| Equity capital to assets | 17.1636% | 397 |
| Core capital (leverage) ratio | 17.2153% | 370 |
| Tier 1 risk-based capital ratio | 29.2647% | 552 |
| Total risk-based capital ratio | 30.3435% | 554 |
| Memoranda: | ||
| Average total assets | $134,632,750 | 4,024 |
| Average earning assets | $129,749,250 | 3,889 |
| Average equity | $22,174,250 | 2,944 |
| Average total loans | $26,876,750 | 5,951 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0650% | 6,382 |
| Cost of funding earning assets | 0.3268% | 5,595 |
| Net interest margin | 2.7382% | 6,121 |
| Noninterest income to average assets | 0.4710% | 4,019 |
| Noninterest expense to average assets | 1.5042% | 6,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9869% | 2,384 |
| Return on assets (ROA) | 1.0170% | 2,381 |
| Pretax return on assets | 1.6528% | 1,228 |
| Return on Equity (ROE) | 6.2595% | 4,012 |
| Retained earnings to average equity (ytd only) | 6.2595% | 2,286 |
| Net charge-offs to loans | -0.0154% | 5,883 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3673% | 6,516 |
| Assets per employee ($millions) | 6.2189% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6893% | 322 |
| Loan loss allowance to noncurrent loans | 347.9310% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 5,823 |
| Noncurrent loans to loans | 1.0604% | 3,808 |
| Net loans and leases to total assets | 20.1689% | 6,789 |
| Net loans and leases to deposits | 24.2501% | 6,799 |
| Net loans and leases to core deposits | 24.9848% | 6,797 |
| Total domestic deposits to total assets | 83.1704% | 4,637 |
| Equity capital to assets | 16.5494% | 464 |
| Core capital (leverage) ratio | 16.4918% | 416 |
| Tier 1 risk-based capital ratio | 42.9842% | 195 |
| Total risk-based capital ratio | 44.2392% | 196 |
| Memoranda: | ||
| Average total assets | $135,887,000 | 4,025 |
| Average earning assets | $130,961,330 | 3,885 |
| Average equity | $22,078,330 | 2,974 |
| Average total loans | $26,015,330 | 6,021 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9704% | 6,543 |
| Cost of funding earning assets | 0.3310% | 5,714 |
| Net interest margin | 2.6393% | 6,313 |
| Noninterest income to average assets | 0.4851% | 3,883 |
| Noninterest expense to average assets | 1.5188% | 6,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9153% | 2,583 |
| Return on assets (ROA) | 0.9153% | 2,730 |
| Pretax return on assets | 1.4986% | 1,557 |
| Return on Equity (ROE) | 5.6833% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.6833% | 2,851 |
| Net charge-offs to loans | -0.0158% | 5,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3349% | 6,484 |
| Assets per employee ($millions) | 5.8302% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2239% | 240 |
| Loan loss allowance to noncurrent loans | 342.8571% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 5,908 |
| Noncurrent loans to loans | 1.2320% | 3,714 |
| Net loans and leases to total assets | 17.0448% | 6,900 |
| Net loans and leases to deposits | 20.6793% | 6,899 |
| Net loans and leases to core deposits | 21.2929% | 6,898 |
| Total domestic deposits to total assets | 82.4243% | 5,054 |
| Equity capital to assets | 16.7233% | 458 |
| Core capital (leverage) ratio | 15.7319% | 487 |
| Tier 1 risk-based capital ratio | 45.0592% | 167 |
| Total risk-based capital ratio | 46.3159% | 167 |
| Memoranda: | ||
| Average total assets | $138,532,000 | 4,011 |
| Average earning assets | $132,913,500 | 3,884 |
| Average equity | $22,311,000 | 2,994 |
| Average total loans | $25,348,500 | 6,104 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3440% | 6,544 |
| Cost of funding earning assets | 0.4012% | 5,913 |
| Net interest margin | 2.9428% | 6,147 |
| Noninterest income to average assets | 0.4273% | 4,403 |
| Noninterest expense to average assets | 1.5919% | 6,814 |
| Loan and lease loss provision to assets | 0.1468% | 3,769 |
| Net operating income to assets | 1.1687% | 1,696 |
| Return on assets (ROA) | 1.2409% | 1,638 |
| Pretax return on assets | 1.5977% | 1,399 |
| Return on Equity (ROE) | 7.8241% | 3,174 |
| Retained earnings to average equity (ytd only) | 5.0463% | 2,672 |
| Net charge-offs to loans | -0.1897% | 6,933 |
| Credit loss provision to net charge-offs | -408.1633% | 6,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0720% | 6,646 |
| Assets per employee ($millions) | 6.4986% | 1,002 |
| Cash dividends to net income (ytd only)* | 35.5030% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7528% | 340 |
| Loan loss allowance to noncurrent loans | 196.2963% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 5,613 |
| Noncurrent loans to loans | 1.9118% | 2,792 |
| Net loans and leases to total assets | 18.0639% | 6,949 |
| Net loans and leases to deposits | 21.5581% | 6,956 |
| Net loans and leases to core deposits | 22.2318% | 6,959 |
| Total domestic deposits to total assets | 83.7917% | 4,407 |
| Equity capital to assets | 15.5256% | 629 |
| Core capital (leverage) ratio | 15.3090% | 527 |
| Tier 1 risk-based capital ratio | 42.2575% | 199 |
| Total risk-based capital ratio | 43.5136% | 196 |
| Memoranda: | ||
| Average total assets | $136,193,400 | 4,023 |
| Average earning assets | $130,351,000 | 3,884 |
| Average equity | $21,600,000 | 3,026 |
| Average total loans | $25,833,800 | 6,148 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4607% | 6,550 |
| Cost of funding earning assets | 0.4198% | 5,990 |
| Net interest margin | 3.0409% | 6,082 |
| Noninterest income to average assets | 0.4025% | 4,617 |
| Noninterest expense to average assets | 1.5058% | 6,935 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1085% | 2,058 |
| Return on assets (ROA) | 1.1618% | 2,058 |
| Pretax return on assets | 1.8884% | 896 |
| Return on Equity (ROE) | 7.2847% | 3,643 |
| Retained earnings to average equity (ytd only) | 7.2847% | 1,950 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4790% | 6,843 |
| Assets per employee ($millions) | 6.3150% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7017% | 981 |
| Loan loss allowance to noncurrent loans | 129.1312% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 5,629 |
| Noncurrent loans to loans | 2.0922% | 2,749 |
| Net loans and leases to total assets | 19.6486% | 7,031 |
| Net loans and leases to deposits | 23.7922% | 7,042 |
| Net loans and leases to core deposits | 24.6219% | 7,043 |
| Total domestic deposits to total assets | 82.5842% | 4,798 |
| Equity capital to assets | 16.1721% | 573 |
| Core capital (leverage) ratio | 15.5332% | 531 |
| Tier 1 risk-based capital ratio | 41.1252% | 218 |
| Total risk-based capital ratio | 42.3771% | 220 |
| Memoranda: | ||
| Average total assets | $134,499,250 | 4,087 |
| Average earning assets | $128,641,750 | 3,966 |
| Average equity | $21,450,750 | 3,070 |
| Average total loans | $25,584,000 | 6,241 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5047% | 6,602 |
| Cost of funding earning assets | 0.4316% | 6,087 |
| Net interest margin | 3.0731% | 6,069 |
| Noninterest income to average assets | 0.3789% | 4,805 |
| Noninterest expense to average assets | 1.4930% | 7,009 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1238% | 1,966 |
| Return on assets (ROA) | 1.1757% | 2,000 |
| Pretax return on assets | 1.9215% | 817 |
| Return on Equity (ROE) | 7.4082% | 3,561 |
| Retained earnings to average equity (ytd only) | 7.4082% | 1,913 |
| Net charge-offs to loans | 0.0081% | 5,360 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1,224.0000% | 22 |
| Efficiency ratio | 44.7903% | 6,925 |
| Assets per employee ($millions) | 6.2583% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9100% | 863 |
| Loan loss allowance to noncurrent loans | 116.2826% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 5,519 |
| Noncurrent loans to loans | 2.5025% | 2,409 |
| Net loans and leases to total assets | 19.2178% | 7,093 |
| Net loans and leases to deposits | 23.3233% | 7,097 |
| Net loans and leases to core deposits | 24.1865% | 7,097 |
| Total domestic deposits to total assets | 82.3976% | 4,984 |
| Equity capital to assets | 16.5623% | 500 |
| Core capital (leverage) ratio | 15.2853% | 548 |
| Tier 1 risk-based capital ratio | 30.4366% | 502 |
| Total risk-based capital ratio | 31.5497% | 501 |
| Memoranda: | ||
| Average total assets | $133,022,000 | 4,142 |
| Average earning assets | $127,883,670 | 3,998 |
| Average equity | $21,111,670 | 3,099 |
| Average total loans | $24,760,000 | 6,334 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4535% | 6,750 |
| Cost of funding earning assets | 0.4426% | 6,193 |
| Net interest margin | 3.0109% | 6,273 |
| Noninterest income to average assets | 0.3617% | 4,988 |
| Noninterest expense to average assets | 1.4497% | 7,086 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1030% | 2,070 |
| Return on assets (ROA) | 1.1030% | 2,255 |
| Pretax return on assets | 1.7994% | 1,069 |
| Return on Equity (ROE) | 7.1016% | 3,726 |
| Retained earnings to average equity (ytd only) | 7.1016% | 2,378 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6182% | 6,962 |
| Assets per employee ($millions) | 6.4778% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2581% | 643 |
| Loan loss allowance to noncurrent loans | 97.1795% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 5,459 |
| Noncurrent loans to loans | 3.3527% | 1,894 |
| Net loans and leases to total assets | 16.5453% | 7,184 |
| Net loans and leases to deposits | 19.7182% | 7,195 |
| Net loans and leases to core deposits | 20.4069% | 7,193 |
| Total domestic deposits to total assets | 83.9083% | 4,537 |
| Equity capital to assets | 15.3742% | 685 |
| Core capital (leverage) ratio | 15.1182% | 584 |
| Tier 1 risk-based capital ratio | 30.1395% | 511 |
| Total risk-based capital ratio | 31.2657% | 512 |
| Memoranda: | ||
| Average total assets | $133,820,500 | 4,147 |
| Average earning assets | $128,335,000 | 4,017 |
| Average equity | $20,784,000 | 3,136 |
| Average total loans | $24,133,000 | 6,415 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 6,861 |
| Cost of funding earning assets | 0.5561% | 6,308 |
| Net interest margin | 3.1316% | 6,270 |
| Noninterest income to average assets | 0.4580% | 4,161 |
| Noninterest expense to average assets | 1.7853% | 6,972 |
| Loan and lease loss provision to assets | 0.2503% | 3,698 |
| Net operating income to assets | 1.1655% | 1,625 |
| Return on assets (ROA) | 1.3256% | 1,280 |
| Pretax return on assets | 1.6268% | 1,146 |
| Return on Equity (ROE) | 7.9622% | 2,927 |
| Retained earnings to average equity (ytd only) | 6.2084% | 1,909 |
| Net charge-offs to loans | 1.2152% | 1,381 |
| Credit loss provision to net charge-offs | 95.8466% | 3,765 |
| Earnings coverage of net charge-offs (x) | 6.4313% | 2,521 |
| Efficiency ratio | 51.5290% | 6,737 |
| Assets per employee ($millions) | 6.2670% | 1,065 |
| Cash dividends to net income (ytd only)* | 22.0264% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0319% | 789 |
| Loan loss allowance to noncurrent loans | 94.5137% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 5,437 |
| Noncurrent loans to loans | 3.2079% | 2,017 |
| Net loans and leases to total assets | 18.4206% | 7,226 |
| Net loans and leases to deposits | 21.9859% | 7,234 |
| Net loans and leases to core deposits | 22.6846% | 7,228 |
| Total domestic deposits to total assets | 83.7837% | 4,419 |
| Equity capital to assets | 15.6936% | 632 |
| Core capital (leverage) ratio | 15.3088% | 556 |
| Tier 1 risk-based capital ratio | 28.3301% | 600 |
| Total risk-based capital ratio | 29.4000% | 605 |
| Memoranda: | ||
| Average total assets | $119,869,000 | 4,407 |
| Average earning assets | $115,086,400 | 4,258 |
| Average equity | $19,956,800 | 3,158 |
| Average total loans | $25,756,600 | 6,373 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7134% | 6,924 |
| Cost of funding earning assets | 0.5801% | 6,377 |
| Net interest margin | 3.1333% | 6,336 |
| Noninterest income to average assets | 0.4983% | 3,881 |
| Noninterest expense to average assets | 1.7377% | 7,063 |
| Loan and lease loss provision to assets | 0.1140% | 4,997 |
| Net operating income to assets | 1.0152% | 2,267 |
| Return on assets (ROA) | 1.1881% | 1,801 |
| Pretax return on assets | 1.9281% | 733 |
| Return on Equity (ROE) | 7.0229% | 3,518 |
| Retained earnings to average equity (ytd only) | 7.0229% | 1,959 |
| Net charge-offs to loans | 1.5211% | 954 |
| Credit loss provision to net charge-offs | 33.7838% | 5,360 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 2,835 |
| Efficiency ratio | 49.5127% | 6,856 |
| Assets per employee ($millions) | 6.0017% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 2,174 |
| Loan loss allowance to noncurrent loans | 54.9188% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 5,107 |
| Noncurrent loans to loans | 3.7532% | 1,812 |
| Net loans and leases to total assets | 21.6771% | 7,261 |
| Net loans and leases to deposits | 26.1583% | 7,268 |
| Net loans and leases to core deposits | 26.8305% | 7,270 |
| Total domestic deposits to total assets | 82.8692% | 4,731 |
| Equity capital to assets | 16.2223% | 596 |
| Core capital (leverage) ratio | 16.1507% | 483 |
| Tier 1 risk-based capital ratio | 41.0057% | 230 |
| Total risk-based capital ratio | 42.1956% | 229 |
| Memoranda: | ||
| Average total assets | $116,934,250 | 4,505 |
| Average earning assets | $112,382,500 | 4,350 |
| Average equity | $19,782,500 | 3,183 |
| Average total loans | $25,945,500 | 6,428 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6570% | 7,052 |
| Cost of funding earning assets | 0.6043% | 6,439 |
| Net interest margin | 3.0527% | 6,502 |
| Noninterest income to average assets | 0.5162% | 3,737 |
| Noninterest expense to average assets | 1.7120% | 7,170 |
| Loan and lease loss provision to assets | 0.1756% | 4,167 |
| Net operating income to assets | 0.9443% | 2,460 |
| Return on assets (ROA) | 1.0465% | 2,149 |
| Pretax return on assets | 1.7243% | 1,005 |
| Return on Equity (ROE) | 6.0937% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.0937% | 2,364 |
| Net charge-offs to loans | 2.3087% | 548 |
| Credit loss provision to net charge-offs | 34.2466% | 4,924 |
| Earnings coverage of net charge-offs (x) | 3.3938% | 3,189 |
| Efficiency ratio | 49.5931% | 6,968 |
| Assets per employee ($millions) | 5.7073% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2891% | 1,766 |
| Loan loss allowance to noncurrent loans | 57.1006% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8460% | 5,181 |
| Noncurrent loans to loans | 4.0089% | 1,726 |
| Net loans and leases to total assets | 20.6209% | 7,359 |
| Net loans and leases to deposits | 24.9652% | 7,361 |
| Net loans and leases to core deposits | 25.7102% | 7,366 |
| Total domestic deposits to total assets | 82.5988% | 4,949 |
| Equity capital to assets | 16.6286% | 526 |
| Core capital (leverage) ratio | 16.4460% | 459 |
| Tier 1 risk-based capital ratio | 43.7332% | 195 |
| Total risk-based capital ratio | 44.9841% | 192 |
| Memoranda: | ||
| Average total assets | $113,900,330 | 4,611 |
| Average earning assets | $109,542,670 | 4,465 |
| Average equity | $19,561,330 | 3,190 |
| Average total loans | $25,295,330 | 6,527 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 7,085 |
| Cost of funding earning assets | 0.6346% | 6,452 |
| Net interest margin | 3.0454% | 6,469 |
| Noninterest income to average assets | 0.5301% | 3,654 |
| Noninterest expense to average assets | 1.7165% | 7,214 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0638% | 1,965 |
| Return on assets (ROA) | 1.0638% | 2,016 |
| Pretax return on assets | 1.7381% | 911 |
| Return on Equity (ROE) | 6.0897% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.0897% | 2,587 |
| Net charge-offs to loans | 4.5225% | 185 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.6853% | 3,470 |
| Efficiency ratio | 49.6868% | 7,011 |
| Assets per employee ($millions) | 5.3586% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0226% | 2,348 |
| Loan loss allowance to noncurrent loans | 48.5000% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 0.8886% | 5,128 |
| Noncurrent loans to loans | 4.1703% | 1,722 |
| Net loans and leases to total assets | 20.8778% | 7,419 |
| Net loans and leases to deposits | 25.4760% | 7,413 |
| Net loans and leases to core deposits | 26.2882% | 7,414 |
| Total domestic deposits to total assets | 81.9508% | 5,333 |
| Equity capital to assets | 17.3232% | 416 |
| Core capital (leverage) ratio | 17.2905% | 374 |
| Tier 1 risk-based capital ratio | 45.2674% | 173 |
| Total risk-based capital ratio | 46.4188% | 168 |
| Memoranda: | ||
| Average total assets | $110,923,500 | 4,713 |
| Average earning assets | $106,520,000 | 4,579 |
| Average equity | $19,377,000 | 3,211 |
| Average total loans | $25,296,000 | 6,575 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 6,749 |
| Cost of funding earning assets | 0.6878% | 6,917 |
| Net interest margin | 3.6331% | 4,653 |
| Noninterest income to average assets | 0.6691% | 3,026 |
| Noninterest expense to average assets | 2.0613% | 6,926 |
| Loan and lease loss provision to assets | 0.2956% | 4,433 |
| Net operating income to assets | 1.4264% | 893 |
| Return on assets (ROA) | 1.4288% | 956 |
| Pretax return on assets | 1.8022% | 760 |
| Return on Equity (ROE) | 7.6199% | 2,840 |
| Retained earnings to average equity (ytd only) | 5.7807% | 1,949 |
| Net charge-offs to loans | 0.1835% | 5,206 |
| Credit loss provision to net charge-offs | 588.2353% | 374 |
| Earnings coverage of net charge-offs (x) | 41.6863% | 557 |
| Efficiency ratio | 49.5970% | 7,153 |
| Assets per employee ($millions) | 5.2055% | 1,856 |
| Cash dividends to net income (ytd only)* | 24.1379% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8971% | 961 |
| Loan loss allowance to noncurrent loans | 61.8284% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.1407% | 4,724 |
| Noncurrent loans to loans | 4.6857% | 1,485 |
| Net loans and leases to total assets | 23.6397% | 7,478 |
| Net loans and leases to deposits | 28.8931% | 7,474 |
| Net loans and leases to core deposits | 29.8758% | 7,472 |
| Total domestic deposits to total assets | 81.8178% | 5,241 |
| Equity capital to assets | 17.6186% | 396 |
| Core capital (leverage) ratio | 17.5121% | 358 |
| Tier 1 risk-based capital ratio | 42.9493% | 193 |
| Total risk-based capital ratio | 44.2037% | 189 |
| Memoranda: | ||
| Average total assets | $101,487,000 | 4,939 |
| Average earning assets | $97,411,000 | 4,793 |
| Average equity | $19,029,000 | 3,277 |
| Average total loans | $27,793,600 | 6,510 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 6,759 |
| Cost of funding earning assets | 0.7020% | 7,057 |
| Net interest margin | 3.7317% | 4,258 |
| Noninterest income to average assets | 0.6658% | 3,038 |
| Noninterest expense to average assets | 1.9518% | 7,131 |
| Loan and lease loss provision to assets | 0.1340% | 5,689 |
| Net operating income to assets | 1.3290% | 1,287 |
| Return on assets (ROA) | 1.3316% | 1,356 |
| Pretax return on assets | 2.1661% | 435 |
| Return on Equity (ROE) | 6.9858% | 3,354 |
| Retained earnings to average equity (ytd only) | 6.9858% | 1,857 |
| Net charge-offs to loans | 0.2611% | 4,385 |
| Credit loss provision to net charge-offs | 181.8182% | 2,005 |
| Earnings coverage of net charge-offs (x) | 31.1643% | 853 |
| Efficiency ratio | 45.9477% | 7,384 |
| Assets per employee ($millions) | 4.9406% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8544% | 2,617 |
| Loan loss allowance to noncurrent loans | 39.7895% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 1.3735% | 4,422 |
| Noncurrent loans to loans | 4.6605% | 1,524 |
| Net loans and leases to total assets | 28.9235% | 7,491 |
| Net loans and leases to deposits | 36.0794% | 7,471 |
| Net loans and leases to core deposits | 37.1624% | 7,479 |
| Total domestic deposits to total assets | 80.1664% | 5,649 |
| Equity capital to assets | 18.7407% | 365 |
| Core capital (leverage) ratio | 18.6655% | 316 |
| Tier 1 risk-based capital ratio | 40.0891% | 243 |
| Total risk-based capital ratio | 41.3029% | 241 |
| Memoranda: | ||
| Average total assets | $99,529,750 | 5,067 |
| Average earning assets | $95,540,000 | 4,908 |
| Average equity | $18,971,250 | 3,321 |
| Average total loans | $28,088,750 | 6,584 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 6,857 |
| Cost of funding earning assets | 0.7288% | 7,124 |
| Net interest margin | 3.6907% | 4,406 |
| Noninterest income to average assets | 0.7317% | 2,508 |
| Noninterest expense to average assets | 1.9160% | 7,241 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4473% | 997 |
| Return on assets (ROA) | 1.4513% | 1,055 |
| Pretax return on assets | 2.3726% | 293 |
| Return on Equity (ROE) | 7.5690% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.5690% | 1,612 |
| Net charge-offs to loans | -0.4255% | 7,720 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7406% | 7,499 |
| Assets per employee ($millions) | 4.7078% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0188% | 2,132 |
| Loan loss allowance to noncurrent loans | 27.1155% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 2.1636% | 3,304 |
| Noncurrent loans to loans | 7.4452% | 725 |
| Net loans and leases to total assets | 28.4737% | 7,572 |
| Net loans and leases to deposits | 35.9832% | 7,532 |
| Net loans and leases to core deposits | 36.8663% | 7,550 |
| Total domestic deposits to total assets | 79.1307% | 6,001 |
| Equity capital to assets | 19.6181% | 306 |
| Core capital (leverage) ratio | 18.6751% | 313 |
| Tier 1 risk-based capital ratio | 41.2928% | 226 |
| Total risk-based capital ratio | 42.5443% | 221 |
| Memoranda: | ||
| Average total assets | $98,122,000 | 5,135 |
| Average earning assets | $94,400,670 | 4,976 |
| Average equity | $18,813,670 | 3,326 |
| Average total loans | $27,259,670 | 6,673 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 7,224 |
| Cost of funding earning assets | 0.7612% | 7,203 |
| Net interest margin | 3.4700% | 5,286 |
| Noninterest income to average assets | 0.7693% | 2,180 |
| Noninterest expense to average assets | 1.9805% | 7,192 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2972% | 1,306 |
| Return on assets (ROA) | 1.2972% | 1,373 |
| Pretax return on assets | 2.1278% | 476 |
| Return on Equity (ROE) | 6.8455% | 3,420 |
| Retained earnings to average equity (ytd only) | 6.8455% | 2,194 |
| Net charge-offs to loans | -0.6032% | 7,814 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2072% | 7,427 |
| Assets per employee ($millions) | 4.9446% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1501% | 1,851 |
| Loan loss allowance to noncurrent loans | 46.0656% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 1.2337% | 4,708 |
| Noncurrent loans to loans | 4.6675% | 1,589 |
| Net loans and leases to total assets | 25.8628% | 7,703 |
| Net loans and leases to deposits | 32.2603% | 7,691 |
| Net loans and leases to core deposits | 33.4585% | 7,692 |
| Total domestic deposits to total assets | 80.1691% | 5,731 |
| Equity capital to assets | 18.9026% | 347 |
| Core capital (leverage) ratio | 18.6108% | 333 |
| Tier 1 risk-based capital ratio | 42.6082% | 219 |
| Total risk-based capital ratio | 43.8595% | 214 |
| Memoranda: | ||
| Average total assets | $97,751,500 | 5,216 |
| Average earning assets | $94,064,500 | 5,047 |
| Average equity | $18,523,000 | 3,394 |
| Average total loans | $26,524,500 | 6,807 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0498% | 6,265 |
| Cost of funding earning assets | 0.9541% | 7,297 |
| Net interest margin | 4.0957% | 2,470 |
| Noninterest income to average assets | 0.6995% | 2,985 |
| Noninterest expense to average assets | 2.1799% | 7,035 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6350% | 502 |
| Return on assets (ROA) | 1.7461% | 426 |
| Pretax return on assets | 2.4606% | 168 |
| Return on Equity (ROE) | 9.2163% | 1,954 |
| Retained earnings to average equity (ytd only) | 6.9547% | 974 |
| Net charge-offs to loans | -0.1407% | 7,901 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6144% | 7,600 |
| Assets per employee ($millions) | 4.8306% | 2,439 |
| Cash dividends to net income (ytd only)* | 24.5399% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9397% | 2,169 |
| Loan loss allowance to noncurrent loans | 53.0488% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 5,072 |
| Noncurrent loans to loans | 3.6565% | 2,058 |
| Net loans and leases to total assets | 27.3144% | 7,762 |
| Net loans and leases to deposits | 34.0148% | 7,763 |
| Net loans and leases to core deposits | 38.1940% | 7,788 |
| Total domestic deposits to total assets | 80.3016% | 5,587 |
| Equity capital to assets | 18.9966% | 365 |
| Core capital (leverage) ratio | 18.3598% | 377 |
| Tier 1 risk-based capital ratio | 42.5479% | 214 |
| Total risk-based capital ratio | 43.7981% | 209 |
| Memoranda: | ||
| Average total assets | $93,351,400 | 5,288 |
| Average earning assets | $86,261,600 | 5,252 |
| Average equity | $17,686,000 | 3,555 |
| Average total loans | $27,727,200 | 6,755 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1719% | 6,003 |
| Cost of funding earning assets | 0.9877% | 7,417 |
| Net interest margin | 4.1841% | 2,114 |
| Noninterest income to average assets | 0.6585% | 3,302 |
| Noninterest expense to average assets | 1.9826% | 7,415 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5358% | 748 |
| Return on assets (ROA) | 1.6022% | 715 |
| Pretax return on assets | 2.6065% | 163 |
| Return on Equity (ROE) | 8.4629% | 2,464 |
| Retained earnings to average equity (ytd only) | 8.4629% | 991 |
| Net charge-offs to loans | 0.1623% | 5,092 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 51.0907% | 618 |
| Efficiency ratio | 44.2017% | 7,833 |
| Assets per employee ($millions) | 4.6572% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 3,661 |
| Loan loss allowance to noncurrent loans | 142.5397% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 6,634 |
| Noncurrent loans to loans | 1.0219% | 5,264 |
| Net loans and leases to total assets | 32.6119% | 7,728 |
| Net loans and leases to deposits | 41.2454% | 7,693 |
| Net loans and leases to core deposits | 46.3134% | 7,765 |
| Total domestic deposits to total assets | 79.0679% | 5,779 |
| Equity capital to assets | 19.6846% | 364 |
| Core capital (leverage) ratio | 19.4029% | 350 |
| Tier 1 risk-based capital ratio | 39.0472% | 296 |
| Total risk-based capital ratio | 40.0426% | 298 |
| Memoranda: | ||
| Average total assets | $92,536,250 | 5,351 |
| Average earning assets | $84,635,250 | 5,351 |
| Average equity | $17,519,250 | 3,609 |
| Average total loans | $27,931,250 | 6,798 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2227% | 5,991 |
| Cost of funding earning assets | 1.0253% | 7,502 |
| Net interest margin | 4.1974% | 2,012 |
| Noninterest income to average assets | 0.6498% | 3,346 |
| Noninterest expense to average assets | 1.9451% | 7,559 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5226% | 802 |
| Return on assets (ROA) | 1.6224% | 720 |
| Pretax return on assets | 2.6383% | 165 |
| Return on Equity (ROE) | 8.6854% | 2,479 |
| Retained earnings to average equity (ytd only) | 8.6854% | 1,014 |
| Net charge-offs to loans | 0.2077% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 40.9286% | 799 |
| Efficiency ratio | 43.9335% | 7,927 |
| Assets per employee ($millions) | 4.3028% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 2,825 |
| Loan loss allowance to noncurrent loans | 86.1742% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 5,915 |
| Noncurrent loans to loans | 1.8338% | 3,761 |
| Net loans and leases to total assets | 31.3605% | 7,862 |
| Net loans and leases to deposits | 39.4644% | 7,832 |
| Net loans and leases to core deposits | 44.1139% | 7,870 |
| Total domestic deposits to total assets | 79.4652% | 5,664 |
| Equity capital to assets | 19.5896% | 412 |
| Core capital (leverage) ratio | 19.0214% | 417 |
| Tier 1 risk-based capital ratio | 39.5674% | 317 |
| Total risk-based capital ratio | 40.6111% | 312 |
| Memoranda: | ||
| Average total assets | $92,333,670 | 5,394 |
| Average earning assets | $83,099,000 | 5,438 |
| Average equity | $17,247,330 | 3,675 |
| Average total loans | $26,966,670 | 6,921 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4009% | 5,424 |
| Cost of funding earning assets | 1.0605% | 7,582 |
| Net interest margin | 4.3405% | 1,485 |
| Noninterest income to average assets | 0.6258% | 3,378 |
| Noninterest expense to average assets | 2.0231% | 7,297 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4870% | 964 |
| Return on assets (ROA) | 1.5473% | 934 |
| Pretax return on assets | 2.4689% | 276 |
| Return on Equity (ROE) | 8.4839% | 2,933 |
| Retained earnings to average equity (ytd only) | 8.4839% | 1,639 |
| Net charge-offs to loans | -0.0307% | 7,559 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0039% | 7,842 |
| Assets per employee ($millions) | 4.6340% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9033% | 1,614 |
| Loan loss allowance to noncurrent loans | 98.1781% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5330% | 5,888 |
| Noncurrent loans to loans | 1.9386% | 3,357 |
| Net loans and leases to total assets | 26.9716% | 7,980 |
| Net loans and leases to deposits | 33.5009% | 7,990 |
| Net loans and leases to core deposits | 37.2234% | 8,014 |
| Total domestic deposits to total assets | 80.5101% | 5,166 |
| Equity capital to assets | 18.6472% | 527 |
| Core capital (leverage) ratio | 18.1318% | 541 |
| Tier 1 risk-based capital ratio | 44.5366% | 254 |
| Total risk-based capital ratio | 45.7859% | 252 |
| Memoranda: | ||
| Average total assets | $93,321,000 | 5,392 |
| Average earning assets | $81,097,000 | 5,516 |
| Average equity | $17,020,500 | 3,733 |
| Average total loans | $26,054,000 | 7,001 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3533% | 7,531 |
| Cost of funding earning assets | 1.2988% | 7,851 |
| Net interest margin | 4.0545% | 2,898 |
| Noninterest income to average assets | 0.6467% | 3,492 |
| Noninterest expense to average assets | 2.0532% | 7,340 |
| Loan and lease loss provision to assets | 0.1162% | 5,891 |
| Net operating income to assets | 1.6114% | 819 |
| Return on assets (ROA) | 1.6098% | 780 |
| Pretax return on assets | 2.2846% | 328 |
| Return on Equity (ROE) | 9.3141% | 2,520 |
| Retained earnings to average equity (ytd only) | 6.9794% | 1,160 |
| Net charge-offs to loans | 0.2155% | 4,056 |
| Credit loss provision to net charge-offs | 189.4737% | 2,606 |
| Earnings coverage of net charge-offs (x) | 39.1754% | 955 |
| Efficiency ratio | 46.0758% | 7,928 |
| Assets per employee ($millions) | 4.6982% | 2,331 |
| Cash dividends to net income (ytd only)* | 25.0668% | 4,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 1,595 |
| Loan loss allowance to noncurrent loans | 108.2960% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 5,804 |
| Noncurrent loans to loans | 1.6751% | 3,260 |
| Net loans and leases to total assets | 27.8227% | 8,037 |
| Net loans and leases to deposits | 34.0559% | 8,060 |
| Net loans and leases to core deposits | 37.1793% | 8,092 |
| Total domestic deposits to total assets | 81.6971% | 4,321 |
| Equity capital to assets | 17.8357% | 670 |
| Core capital (leverage) ratio | 17.2086% | 674 |
| Tier 1 risk-based capital ratio | 40.4704% | 335 |
| Total risk-based capital ratio | 41.6550% | 324 |
| Memoranda: | ||
| Average total assets | $92,928,000 | 5,263 |
| Average earning assets | $87,310,400 | 5,171 |
| Average equity | $16,061,600 | 3,918 |
| Average total loans | $26,448,000 | 6,935 |