Home > Alamosa State Bank > Performance and Condition Ratios
Alamosa State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 3,941 |
| Cost of funding earning assets | 0.5405% | 4,156 |
| Net interest margin | 3.4767% | 2,242 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 1.8535% | 3,915 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.9337% | 509 |
| Return on assets (ROA) | 1.9337% | 489 |
| Pretax return on assets | 1.9337% | 740 |
| Return on Equity (ROE) | 24.9600% | 314 |
| Retained earnings to average equity (ytd only) | 9.9298% | 1,029 |
| Net charge-offs to loans | 0.0374% | 1,559 |
| Credit loss provision to net charge-offs | 342.5926% | 870 |
| Earnings coverage of net charge-offs (x) | 130.1852% | 781 |
| Efficiency ratio | 48.2746% | 4,077 |
| Assets per employee ($millions) | 11.4092% | 480 |
| Cash dividends to net income (ytd only)* | 60.2191% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 2,199 |
| Loan loss allowance to noncurrent loans | 185,700.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,864 |
| Noncurrent loans to loans | 0.0007% | 3,805 |
| Net loans and leases to total assets | 42.6200% | 3,946 |
| Net loans and leases to deposits | 46.7983% | 4,024 |
| Net loans and leases to core deposits | 49.9569% | 4,084 |
| Total domestic deposits to total assets | 91.0700% | 487 |
| Equity capital to assets | 8.5520% | 3,014 |
| Core capital (leverage) ratio | 9.9149% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1556% | 592 |
| Memoranda: | ||
| Average total assets | $353,983,400 | 2,181 |
| Average earning assets | $339,484,400 | 2,128 |
| Average equity | $27,422,400 | 2,393 |
| Average total loans | $144,324,200 | 2,724 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8995% | 3,994 |
| Cost of funding earning assets | 0.4634% | 4,185 |
| Net interest margin | 3.4361% | 2,377 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.3274% | 4,436 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.0881% | 442 |
| Return on assets (ROA) | 2.0881% | 437 |
| Pretax return on assets | 2.0881% | 671 |
| Return on Equity (ROE) | 27.6700% | 287 |
| Retained earnings to average equity (ytd only) | 11.3237% | 1,105 |
| Net charge-offs to loans | 0.0497% | 1,179 |
| Credit loss provision to net charge-offs | 264.1509% | 957 |
| Earnings coverage of net charge-offs (x) | 107.2642% | 888 |
| Efficiency ratio | 38.2736% | 4,406 |
| Assets per employee ($millions) | 11.6815% | 412 |
| Cash dividends to net income (ytd only)* | 59.0803% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,118 |
| Loan loss allowance to noncurrent loans | 90,700.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 3,884 |
| Noncurrent loans to loans | 0.0014% | 3,818 |
| Net loans and leases to total assets | 39.6600% | 4,071 |
| Net loans and leases to deposits | 42.9986% | 4,133 |
| Net loans and leases to core deposits | 45.9018% | 4,132 |
| Total domestic deposits to total assets | 92.2400% | 411 |
| Equity capital to assets | 7.5537% | 3,324 |
| Core capital (leverage) ratio | 9.5960% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8104% | 566 |
| Memoranda: | ||
| Average total assets | $354,058,000 | 2,186 |
| Average earning assets | $339,793,500 | 2,133 |
| Average equity | $26,716,250 | 2,413 |
| Average total loans | $142,255,250 | 2,746 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7164% | 4,125 |
| Cost of funding earning assets | 0.3753% | 4,205 |
| Net interest margin | 3.3411% | 2,664 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.3217% | 4,461 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.9979% | 467 |
| Return on assets (ROA) | 1.9979% | 466 |
| Pretax return on assets | 1.9979% | 753 |
| Return on Equity (ROE) | 26.4900% | 308 |
| Retained earnings to average equity (ytd only) | 11.2437% | 1,139 |
| Net charge-offs to loans | 0.0807% | 782 |
| Credit loss provision to net charge-offs | 166.6667% | 1,136 |
| Earnings coverage of net charge-offs (x) | 63.2456% | 1,170 |
| Efficiency ratio | 39.1766% | 4,414 |
| Assets per employee ($millions) | 11.3555% | 457 |
| Cash dividends to net income (ytd only)* | 57.5499% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 2,263 |
| 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 | 38.8900% | 4,076 |
| Net loans and leases to deposits | 42.0933% | 4,156 |
| Net loans and leases to core deposits | 44.8853% | 4,150 |
| Total domestic deposits to total assets | 92.4000% | 344 |
| Equity capital to assets | 7.4447% | 3,556 |
| Core capital (leverage) ratio | 9.5016% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5870% | 588 |
| Memoranda: | ||
| Average total assets | $351,368,667 | 2,202 |
| Average earning assets | $337,371,000 | 2,150 |
| Average equity | $26,503,667 | 2,435 |
| Average total loans | $141,195,667 | 2,758 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5021% | 4,261 |
| Cost of funding earning assets | 0.2121% | 4,357 |
| Net interest margin | 3.2900% | 2,901 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.3261% | 4,523 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.9319% | 546 |
| Return on assets (ROA) | 1.9319% | 539 |
| Pretax return on assets | 1.9319% | 867 |
| Return on Equity (ROE) | 25.4400% | 384 |
| Retained earnings to average equity (ytd only) | 10.1870% | 1,652 |
| Net charge-offs to loans | 0.1369% | 491 |
| Credit loss provision to net charge-offs | 97.9167% | 1,148 |
| Earnings coverage of net charge-offs (x) | 35.7292% | 1,230 |
| Efficiency ratio | 40.0350% | 4,448 |
| Assets per employee ($millions) | 10.7908% | 548 |
| Cash dividends to net income (ytd only)* | 59.9520% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,219 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 39.0400% | 4,076 |
| Net loans and leases to deposits | 42.6040% | 4,141 |
| Net loans and leases to core deposits | 45.5499% | 4,128 |
| Total domestic deposits to total assets | 91.6300% | 616 |
| Equity capital to assets | 7.9251% | 3,296 |
| Core capital (leverage) ratio | 9.6647% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8954% | 575 |
| Memoranda: | ||
| Average total assets | $345,365,500 | 2,253 |
| Average earning assets | $331,911,000 | 2,203 |
| Average equity | $26,229,500 | 2,476 |
| Average total loans | $140,244,500 | 2,796 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9132% | 4,227 |
| Cost of funding earning assets | 0.1133% | 4,320 |
| Net interest margin | 2.7999% | 3,895 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.4533% | 4,469 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.3247% | 1,353 |
| Return on assets (ROA) | 1.3247% | 1,314 |
| Pretax return on assets | 1.3247% | 2,009 |
| Return on Equity (ROE) | 17.9700% | 709 |
| Retained earnings to average equity (ytd only) | 7.1887% | 2,153 |
| Net charge-offs to loans | 0.0056% | 2,220 |
| Credit loss provision to net charge-offs | 2,262.5000% | 235 |
| Earnings coverage of net charge-offs (x) | 613.5000% | 284 |
| Efficiency ratio | 51.3771% | 4,039 |
| Assets per employee ($millions) | 10.4674% | 583 |
| Cash dividends to net income (ytd only)* | 59.9958% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,385 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 41.1800% | 4,021 |
| Net loans and leases to deposits | 44.6070% | 4,094 |
| Net loans and leases to core deposits | 47.5851% | 4,071 |
| Total domestic deposits to total assets | 92.3100% | 559 |
| Equity capital to assets | 7.2644% | 3,509 |
| Core capital (leverage) ratio | 8.9279% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6661% | 656 |
| Memoranda: | ||
| Average total assets | $356,835,600 | 2,197 |
| Average earning assets | $339,689,800 | 2,155 |
| Average equity | $26,305,000 | 2,513 |
| Average total loans | $142,815,800 | 2,699 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7378% | 4,260 |
| Cost of funding earning assets | 0.1117% | 4,184 |
| Net interest margin | 2.6262% | 4,063 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.3578% | 4,545 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2514% | 1,520 |
| Return on assets (ROA) | 1.2514% | 1,489 |
| Pretax return on assets | 1.2514% | 2,202 |
| Return on Equity (ROE) | 16.9200% | 813 |
| Retained earnings to average equity (ytd only) | 7.2708% | 2,276 |
| Net charge-offs to loans | 0.0065% | 1,914 |
| Credit loss provision to net charge-offs | 1,928.5714% | 259 |
| Earnings coverage of net charge-offs (x) | 501.5714% | 312 |
| Efficiency ratio | 51.0594% | 4,081 |
| Assets per employee ($millions) | 12.0474% | 377 |
| Cash dividends to net income (ytd only)* | 57.0201% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 2,422 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 36.4700% | 4,207 |
| Net loans and leases to deposits | 39.0360% | 4,272 |
| Net loans and leases to core deposits | 41.4019% | 4,241 |
| Total domestic deposits to total assets | 93.4200% | 465 |
| Equity capital to assets | 6.3949% | 3,794 |
| Core capital (leverage) ratio | 8.6550% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0745% | 636 |
| Memoranda: | ||
| Average total assets | $359,688,250 | 2,198 |
| Average earning assets | $341,528,250 | 2,162 |
| Average equity | $26,608,000 | 2,536 |
| Average total loans | $142,529,000 | 2,713 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6229% | 4,250 |
| Cost of funding earning assets | 0.1107% | 4,071 |
| Net interest margin | 2.5122% | 4,072 |
| Noninterest income to average assets | 0.1678% | 4,174 |
| Noninterest expense to average assets | 1.3861% | 4,541 |
| Loan and lease loss provision to assets | 0.0513% | 1,660 |
| Net operating income to assets | 1.1084% | 1,740 |
| Return on assets (ROA) | 1.1084% | 1,718 |
| Pretax return on assets | 1.1084% | 2,375 |
| Return on Equity (ROE) | 14.3042% | 1,043 |
| Retained earnings to average equity (ytd only) | 5.4295% | 2,540 |
| Net charge-offs to loans | 0.0139% | 1,495 |
| Credit loss provision to net charge-offs | 910.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 205.9000% | 532 |
| Efficiency ratio | 54.4469% | 3,923 |
| Assets per employee ($millions) | 10.9299% | 509 |
| Cash dividends to net income (ytd only)* | 62.0427% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 2,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 39.0893% | 4,118 |
| Net loans and leases to deposits | 42.2165% | 4,185 |
| Net loans and leases to core deposits | 45.0655% | 4,153 |
| Total domestic deposits to total assets | 92.5926% | 621 |
| Equity capital to assets | 7.2539% | 3,627 |
| Core capital (leverage) ratio | 8.8921% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3278% | 677 |
| Memoranda: | ||
| Average total assets | $355,095,000 | 2,227 |
| Average earning assets | $336,118,000 | 2,201 |
| Average equity | $27,516,333 | 2,550 |
| Average total loans | $144,077,667 | 2,709 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5760% | 4,166 |
| Cost of funding earning assets | 0.1133% | 3,970 |
| Net interest margin | 2.4627% | 3,970 |
| Noninterest income to average assets | 0.1465% | 4,280 |
| Noninterest expense to average assets | 1.4043% | 4,534 |
| Loan and lease loss provision to assets | 0.0503% | 1,467 |
| Net operating income to assets | 1.0253% | 1,782 |
| Return on assets (ROA) | 1.0253% | 1,772 |
| Pretax return on assets | 1.0253% | 2,365 |
| Return on Equity (ROE) | 12.8301% | 1,081 |
| Retained earnings to average equity (ytd only) | 5.1348% | 2,544 |
| Net charge-offs to loans | 0.0218% | 1,107 |
| Credit loss provision to net charge-offs | 562.5000% | 485 |
| Earnings coverage of net charge-offs (x) | 120.2500% | 611 |
| Efficiency ratio | 56.6276% | 3,826 |
| Assets per employee ($millions) | 10.3722% | 619 |
| Cash dividends to net income (ytd only)* | 59.9782% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,307 |
| Loan loss allowance to noncurrent loans | 159,100.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,132 |
| Noncurrent loans to loans | 0.0007% | 4,055 |
| Net loans and leases to total assets | 40.3905% | 3,988 |
| Net loans and leases to deposits | 43.8872% | 4,068 |
| Net loans and leases to core deposits | 46.7010% | 4,041 |
| Total domestic deposits to total assets | 92.0324% | 566 |
| Equity capital to assets | 7.6545% | 3,827 |
| Core capital (leverage) ratio | 8.8105% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2549% | 868 |
| Memoranda: | ||
| Average total assets | $357,763,500 | 2,218 |
| Average earning assets | $338,981,500 | 2,194 |
| Average equity | $28,589,000 | 2,560 |
| Average total loans | $146,940,000 | 2,670 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7345% | 4,278 |
| Cost of funding earning assets | 0.1498% | 3,980 |
| Net interest margin | 2.5847% | 4,068 |
| Noninterest income to average assets | 0.1430% | 4,442 |
| Noninterest expense to average assets | 1.4724% | 4,568 |
| Loan and lease loss provision to assets | -0.2371% | 4,742 |
| Net operating income to assets | 1.3702% | 1,377 |
| Return on assets (ROA) | 1.3702% | 1,426 |
| Pretax return on assets | 1.3702% | 2,139 |
| Return on Equity (ROE) | 15.7578% | 794 |
| Retained earnings to average equity (ytd only) | 8.3000% | 1,425 |
| Net charge-offs to loans | -0.0112% | 3,780 |
| Credit loss provision to net charge-offs | 5,118.7500% | 145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5111% | 3,641 |
| Assets per employee ($millions) | 11.3398% | 465 |
| Cash dividends to net income (ytd only)* | 47.3273% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,607 |
| Loan loss allowance to noncurrent loans | 19,425.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 3,558 |
| Noncurrent loans to loans | 0.0053% | 4,069 |
| Net loans and leases to total assets | 40.8673% | 4,042 |
| Net loans and leases to deposits | 44.6859% | 4,146 |
| Net loans and leases to core deposits | 47.4805% | 4,119 |
| Total domestic deposits to total assets | 91.4546% | 329 |
| Equity capital to assets | 8.3181% | 4,168 |
| Core capital (leverage) ratio | 8.4782% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6710% | 942 |
| Memoranda: | ||
| Average total assets | $345,418,000 | 2,222 |
| Average earning assets | $329,089,600 | 2,193 |
| Average equity | $30,036,000 | 2,534 |
| Average total loans | $142,720,400 | 2,697 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7809% | 4,321 |
| Cost of funding earning assets | 0.1587% | 4,027 |
| Net interest margin | 2.6223% | 4,103 |
| Noninterest income to average assets | 0.1353% | 4,524 |
| Noninterest expense to average assets | 1.4128% | 4,676 |
| Loan and lease loss provision to assets | 0.0519% | 1,953 |
| Net operating income to assets | 1.1708% | 2,272 |
| Return on assets (ROA) | 1.1708% | 2,330 |
| Pretax return on assets | 1.1708% | 3,014 |
| Return on Equity (ROE) | 13.3112% | 1,612 |
| Retained earnings to average equity (ytd only) | 5.2356% | 3,125 |
| Net charge-offs to loans | -0.0265% | 4,085 |
| Credit loss provision to net charge-offs | -475.0000% | 3,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6043% | 3,857 |
| Assets per employee ($millions) | 11.7336% | 401 |
| Cash dividends to net income (ytd only)* | 60.6678% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8324% | 872 |
| Loan loss allowance to noncurrent loans | 27,988.8889% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 3,727 |
| Noncurrent loans to loans | 0.0065% | 4,157 |
| Net loans and leases to total assets | 35.9411% | 4,395 |
| Net loans and leases to deposits | 39.1327% | 4,483 |
| Net loans and leases to core deposits | 41.5466% | 4,462 |
| Total domestic deposits to total assets | 91.8442% | 158 |
| Equity capital to assets | 7.9808% | 4,531 |
| Core capital (leverage) ratio | 8.3189% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $341,054,500 | 2,262 |
| Average earning assets | $325,205,000 | 2,228 |
| Average equity | $29,999,000 | 2,566 |
| Average total loans | $140,938,000 | 2,754 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9234% | 4,184 |
| Cost of funding earning assets | 0.1744% | 3,998 |
| Net interest margin | 2.7490% | 3,886 |
| Noninterest income to average assets | 0.1432% | 4,482 |
| Noninterest expense to average assets | 1.4691% | 4,652 |
| Loan and lease loss provision to assets | 0.0546% | 1,944 |
| Net operating income to assets | 1.2495% | 2,026 |
| Return on assets (ROA) | 1.2495% | 2,087 |
| Pretax return on assets | 1.2495% | 2,767 |
| Return on Equity (ROE) | 13.7221% | 1,501 |
| Retained earnings to average equity (ytd only) | 5.5048% | 2,995 |
| Net charge-offs to loans | -0.0408% | 4,278 |
| Credit loss provision to net charge-offs | -310.3448% | 3,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9759% | 3,933 |
| Assets per employee ($millions) | 9.7569% | 658 |
| Cash dividends to net income (ytd only)* | 59.8834% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 958 |
| Loan loss allowance to noncurrent loans | 27,511.1111% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 3,786 |
| Noncurrent loans to loans | 0.0064% | 4,214 |
| Net loans and leases to total assets | 40.5485% | 4,269 |
| Net loans and leases to deposits | 44.5174% | 4,367 |
| Net loans and leases to core deposits | 47.6430% | 4,341 |
| Total domestic deposits to total assets | 91.0847% | 349 |
| Equity capital to assets | 8.7666% | 4,000 |
| Core capital (leverage) ratio | 8.6412% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,581,000 | 2,311 |
| Average earning assets | $315,318,667 | 2,263 |
| Average equity | $30,010,000 | 2,554 |
| Average total loans | $142,094,333 | 2,760 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9916% | 4,106 |
| Cost of funding earning assets | 0.1938% | 3,966 |
| Net interest margin | 2.7978% | 3,770 |
| Noninterest income to average assets | 0.1075% | 4,650 |
| Noninterest expense to average assets | 1.4647% | 4,685 |
| Loan and lease loss provision to assets | 0.0531% | 2,045 |
| Net operating income to assets | 1.2669% | 1,928 |
| Return on assets (ROA) | 1.2669% | 2,005 |
| Pretax return on assets | 1.2669% | 2,663 |
| Return on Equity (ROE) | 13.6455% | 1,503 |
| Retained earnings to average equity (ytd only) | 5.4582% | 3,077 |
| Net charge-offs to loans | -0.0056% | 3,435 |
| Credit loss provision to net charge-offs | -2,150.0000% | 3,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5965% | 3,946 |
| Assets per employee ($millions) | 9.3835% | 726 |
| Cash dividends to net income (ytd only)* | 60.0000% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 1,065 |
| Loan loss allowance to noncurrent loans | 24,020.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 3,705 |
| Noncurrent loans to loans | 0.0070% | 4,289 |
| Net loans and leases to total assets | 42.5075% | 4,201 |
| Net loans and leases to deposits | 46.9527% | 4,307 |
| Net loans and leases to core deposits | 50.2855% | 4,286 |
| Total domestic deposits to total assets | 90.5326% | 574 |
| Equity capital to assets | 9.0956% | 3,598 |
| Core capital (leverage) ratio | 9.0826% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,626,500 | 2,325 |
| Average earning assets | $309,668,500 | 2,272 |
| Average equity | $30,046,500 | 2,538 |
| Average total loans | $142,669,000 | 2,757 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4854% | 4,055 |
| Cost of funding earning assets | 0.2643% | 4,323 |
| Net interest margin | 3.2211% | 3,301 |
| Noninterest income to average assets | 0.1452% | 4,571 |
| Noninterest expense to average assets | 1.7200% | 4,597 |
| Loan and lease loss provision to assets | 0.0618% | 3,600 |
| Net operating income to assets | 1.4491% | 920 |
| Return on assets (ROA) | 1.4491% | 998 |
| Pretax return on assets | 1.4491% | 1,514 |
| Return on Equity (ROE) | 14.5151% | 713 |
| Retained earnings to average equity (ytd only) | 5.8047% | 1,898 |
| Net charge-offs to loans | 0.0563% | 1,971 |
| Credit loss provision to net charge-offs | 229.1139% | 2,025 |
| Earnings coverage of net charge-offs (x) | 55.9747% | 1,108 |
| Efficiency ratio | 53.2360% | 4,290 |
| Assets per employee ($millions) | 9.3774% | 657 |
| Cash dividends to net income (ytd only)* | 60.0094% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6444% | 1,185 |
| Loan loss allowance to noncurrent loans | 21,427.2727% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 3,815 |
| Noncurrent loans to loans | 0.0077% | 4,355 |
| Net loans and leases to total assets | 44.2162% | 4,233 |
| Net loans and leases to deposits | 49.0055% | 4,357 |
| Net loans and leases to core deposits | 52.0847% | 4,334 |
| Total domestic deposits to total assets | 90.2271% | 476 |
| Equity capital to assets | 9.4787% | 3,639 |
| Core capital (leverage) ratio | 8.9209% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,667,800 | 2,331 |
| Average earning assets | $280,368,400 | 2,288 |
| Average equity | $29,217,800 | 2,525 |
| Average total loans | $140,210,400 | 2,752 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5790% | 4,067 |
| Cost of funding earning assets | 0.2747% | 4,415 |
| Net interest margin | 3.3043% | 3,170 |
| Noninterest income to average assets | 0.1552% | 4,515 |
| Noninterest expense to average assets | 1.6598% | 4,670 |
| Loan and lease loss provision to assets | 0.0629% | 3,552 |
| Net operating income to assets | 1.5992% | 729 |
| Return on assets (ROA) | 1.5992% | 798 |
| Pretax return on assets | 1.5992% | 1,186 |
| Return on Equity (ROE) | 15.7969% | 571 |
| Retained earnings to average equity (ytd only) | 6.2783% | 1,985 |
| Net charge-offs to loans | 0.0296% | 2,240 |
| Credit loss provision to net charge-offs | 435.4839% | 1,393 |
| Earnings coverage of net charge-offs (x) | 115.0645% | 716 |
| Efficiency ratio | 49.9649% | 4,494 |
| Assets per employee ($millions) | 9.3456% | 628 |
| Cash dividends to net income (ytd only)* | 60.2564% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 1,049 |
| Loan loss allowance to noncurrent loans | 235,900.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 3,875 |
| Noncurrent loans to loans | 0.0007% | 4,470 |
| Net loans and leases to total assets | 45.1460% | 4,361 |
| Net loans and leases to deposits | 49.9756% | 4,489 |
| Net loans and leases to core deposits | 53.0903% | 4,487 |
| Total domestic deposits to total assets | 90.3361% | 322 |
| Equity capital to assets | 9.4687% | 3,706 |
| Core capital (leverage) ratio | 9.1097% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,127,000 | 2,345 |
| Average earning assets | $274,218,750 | 2,305 |
| Average equity | $28,967,000 | 2,536 |
| Average total loans | $139,430,000 | 2,763 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 3,869 |
| Cost of funding earning assets | 0.2947% | 4,501 |
| Net interest margin | 3.5001% | 2,785 |
| Noninterest income to average assets | 0.1263% | 4,672 |
| Noninterest expense to average assets | 1.7439% | 4,639 |
| Loan and lease loss provision to assets | 0.0646% | 3,486 |
| Net operating income to assets | 1.6706% | 651 |
| Return on assets (ROA) | 1.6706% | 710 |
| Pretax return on assets | 1.6706% | 1,053 |
| Return on Equity (ROE) | 16.1015% | 546 |
| Retained earnings to average equity (ytd only) | 6.3581% | 1,919 |
| Net charge-offs to loans | 0.0044% | 2,820 |
| Credit loss provision to net charge-offs | 2,966.6667% | 365 |
| Earnings coverage of net charge-offs (x) | 797.0000% | 117 |
| Efficiency ratio | 50.1252% | 4,499 |
| Assets per employee ($millions) | 9.0319% | 675 |
| Cash dividends to net income (ytd only)* | 60.5126% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 941 |
| Loan loss allowance to noncurrent loans | 655.7423% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 3,958 |
| Noncurrent loans to loans | 0.2485% | 3,490 |
| Net loans and leases to total assets | 46.0257% | 4,367 |
| Net loans and leases to deposits | 51.1877% | 4,475 |
| Net loans and leases to core deposits | 54.6091% | 4,477 |
| Total domestic deposits to total assets | 89.9154% | 421 |
| Equity capital to assets | 9.6804% | 3,503 |
| Core capital (leverage) ratio | 9.3915% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,585,667 | 2,373 |
| Average earning assets | $263,995,667 | 2,339 |
| Average equity | $28,593,667 | 2,540 |
| Average total loans | $137,303,000 | 2,780 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 3,833 |
| Cost of funding earning assets | 0.3264% | 4,576 |
| Net interest margin | 3.6593% | 2,477 |
| Noninterest income to average assets | 0.1462% | 4,632 |
| Noninterest expense to average assets | 1.8627% | 4,583 |
| Loan and lease loss provision to assets | 0.0693% | 2,883 |
| Net operating income to assets | 1.7349% | 473 |
| Return on assets (ROA) | 1.7349% | 525 |
| Pretax return on assets | 1.7349% | 808 |
| Return on Equity (ROE) | 16.0845% | 414 |
| Retained earnings to average equity (ytd only) | 6.4367% | 1,735 |
| Net charge-offs to loans | 0.0030% | 2,490 |
| Credit loss provision to net charge-offs | 4,500.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 1,172.0000% | 44 |
| Efficiency ratio | 50.7976% | 4,620 |
| Assets per employee ($millions) | 7.6142% | 856 |
| Cash dividends to net income (ytd only)* | 59.9823% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 888 |
| Loan loss allowance to noncurrent loans | 694.5619% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 4,011 |
| Noncurrent loans to loans | 0.2438% | 3,608 |
| Net loans and leases to total assets | 50.0730% | 4,237 |
| Net loans and leases to deposits | 56.4365% | 4,350 |
| Net loans and leases to core deposits | 60.2743% | 4,345 |
| Total domestic deposits to total assets | 88.7245% | 798 |
| Equity capital to assets | 10.8414% | 2,997 |
| Core capital (leverage) ratio | 10.6096% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,837,000 | 2,434 |
| Average earning assets | $249,993,500 | 2,371 |
| Average equity | $28,027,000 | 2,572 |
| Average total loans | $134,115,500 | 2,792 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 3,915 |
| Cost of funding earning assets | 0.2934% | 4,745 |
| Net interest margin | 3.8616% | 2,299 |
| Noninterest income to average assets | 0.2226% | 4,332 |
| Noninterest expense to average assets | 1.8960% | 4,669 |
| Loan and lease loss provision to assets | 0.0716% | 2,566 |
| Net operating income to assets | 1.9731% | 380 |
| Return on assets (ROA) | 1.9731% | 393 |
| Pretax return on assets | 1.9731% | 633 |
| Return on Equity (ROE) | 19.5105% | 241 |
| Retained earnings to average equity (ytd only) | 7.8034% | 1,042 |
| Net charge-offs to loans | 0.0535% | 2,338 |
| Credit loss provision to net charge-offs | 261.4286% | 1,059 |
| Earnings coverage of net charge-offs (x) | 74.6571% | 840 |
| Efficiency ratio | 48.1136% | 4,829 |
| Assets per employee ($millions) | 7.0327% | 1,026 |
| Cash dividends to net income (ytd only)* | 60.0040% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 792 |
| Loan loss allowance to noncurrent loans | 679.2169% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 3,980 |
| Noncurrent loans to loans | 0.2506% | 3,550 |
| Net loans and leases to total assets | 51.4399% | 4,261 |
| Net loans and leases to deposits | 57.9091% | 4,375 |
| Net loans and leases to core deposits | 61.0221% | 4,389 |
| Total domestic deposits to total assets | 88.8288% | 737 |
| Equity capital to assets | 10.7285% | 3,234 |
| Core capital (leverage) ratio | 10.4451% | 3,012 |
| Tier 1 risk-based capital ratio | 18.4048% | 1,663 |
| Total risk-based capital ratio | 19.6589% | 1,628 |
| Memoranda: | ||
| Average total assets | $255,587,400 | 2,422 |
| Average earning assets | $246,089,000 | 2,364 |
| Average equity | $25,847,600 | 2,645 |
| Average total loans | $130,754,600 | 2,814 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 3,994 |
| Cost of funding earning assets | 0.2775% | 4,852 |
| Net interest margin | 3.8906% | 2,288 |
| Noninterest income to average assets | 0.2384% | 4,309 |
| Noninterest expense to average assets | 1.7409% | 4,880 |
| Loan and lease loss provision to assets | 0.0713% | 2,450 |
| Net operating income to assets | 2.1697% | 286 |
| Return on assets (ROA) | 2.1697% | 300 |
| Pretax return on assets | 2.1697% | 477 |
| Return on Equity (ROE) | 21.7819% | 173 |
| Retained earnings to average equity (ytd only) | 8.7671% | 1,111 |
| Net charge-offs to loans | 0.0972% | 1,499 |
| Credit loss provision to net charge-offs | 144.2105% | 1,688 |
| Earnings coverage of net charge-offs (x) | 45.3276% | 1,262 |
| Efficiency ratio | 43.7198% | 5,027 |
| Assets per employee ($millions) | 7.3680% | 893 |
| Cash dividends to net income (ytd only)* | 59.7505% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7351% | 763 |
| Loan loss allowance to noncurrent loans | 658.1325% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 4,101 |
| Noncurrent loans to loans | 0.2636% | 3,601 |
| Net loans and leases to total assets | 46.6514% | 4,568 |
| Net loans and leases to deposits | 52.0776% | 4,704 |
| Net loans and leases to core deposits | 54.5751% | 4,727 |
| Total domestic deposits to total assets | 89.5807% | 420 |
| Equity capital to assets | 10.1908% | 3,832 |
| Core capital (leverage) ratio | 10.3414% | 3,272 |
| Tier 1 risk-based capital ratio | 19.0824% | 1,548 |
| Total risk-based capital ratio | 20.3363% | 1,521 |
| Memoranda: | ||
| Average total assets | $256,190,000 | 2,440 |
| Average earning assets | $246,503,500 | 2,374 |
| Average equity | $25,519,000 | 2,680 |
| Average total loans | $130,321,000 | 2,850 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2270% | 3,854 |
| Cost of funding earning assets | 0.2640% | 4,917 |
| Net interest margin | 3.9630% | 2,047 |
| Noninterest income to average assets | 0.1888% | 4,624 |
| Noninterest expense to average assets | 1.7538% | 4,917 |
| Loan and lease loss provision to assets | 0.0727% | 2,362 |
| Net operating income to assets | 2.1811% | 277 |
| Return on assets (ROA) | 2.1811% | 290 |
| Pretax return on assets | 2.1811% | 459 |
| Return on Equity (ROE) | 22.0748% | 161 |
| Retained earnings to average equity (ytd only) | 8.9147% | 1,055 |
| Net charge-offs to loans | 0.1184% | 1,244 |
| Credit loss provision to net charge-offs | 117.9487% | 1,764 |
| Earnings coverage of net charge-offs (x) | 36.5769% | 1,302 |
| Efficiency ratio | 43.7611% | 5,071 |
| Assets per employee ($millions) | 7.1213% | 944 |
| Cash dividends to net income (ytd only)* | 59.6161% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 841 |
| Loan loss allowance to noncurrent loans | 548.6005% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 3,994 |
| Noncurrent loans to loans | 0.3079% | 3,445 |
| Net loans and leases to total assets | 48.9476% | 4,526 |
| Net loans and leases to deposits | 54.6390% | 4,658 |
| Net loans and leases to core deposits | 56.3484% | 4,704 |
| Total domestic deposits to total assets | 89.5836% | 455 |
| Equity capital to assets | 10.2307% | 3,769 |
| Core capital (leverage) ratio | 10.0619% | 3,524 |
| Tier 1 risk-based capital ratio | 18.6046% | 1,640 |
| Total risk-based capital ratio | 19.8582% | 1,604 |
| Memoranda: | ||
| Average total assets | $253,170,670 | 2,469 |
| Average earning assets | $243,956,000 | 2,401 |
| Average equity | $25,015,000 | 2,722 |
| Average total loans | $131,785,670 | 2,844 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2283% | 3,784 |
| Cost of funding earning assets | 0.2555% | 4,967 |
| Net interest margin | 3.9728% | 1,936 |
| Noninterest income to average assets | 0.1765% | 4,691 |
| Noninterest expense to average assets | 1.7331% | 4,986 |
| Loan and lease loss provision to assets | 0.0731% | 2,209 |
| Net operating income to assets | 2.2021% | 272 |
| Return on assets (ROA) | 2.2021% | 283 |
| Pretax return on assets | 2.2021% | 449 |
| Return on Equity (ROE) | 22.6970% | 156 |
| Retained earnings to average equity (ytd only) | 9.0788% | 1,294 |
| Net charge-offs to loans | 0.0030% | 2,634 |
| Credit loss provision to net charge-offs | 4,600.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 1,431.0000% | 32 |
| Efficiency ratio | 43.2368% | 5,123 |
| Assets per employee ($millions) | 7.3569% | 858 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 50.3324% | 4,444 |
| Net loans and leases to deposits | 56.0293% | 4,598 |
| Net loans and leases to core deposits | 57.7801% | 4,648 |
| Total domestic deposits to total assets | 89.8323% | 519 |
| Equity capital to assets | 9.6772% | 4,111 |
| Core capital (leverage) ratio | 10.1764% | 3,416 |
| Tier 1 risk-based capital ratio | 17.9564% | 1,801 |
| Total risk-based capital ratio | 19.2103% | 1,767 |
| Memoranda: | ||
| Average total assets | $251,573,000 | 2,495 |
| Average earning assets | $242,651,000 | 2,431 |
| Average equity | $24,408,500 | 2,769 |
| Average total loans | $133,858,000 | 2,858 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 3,781 |
| Cost of funding earning assets | 0.1764% | 5,089 |
| Net interest margin | 3.9088% | 2,301 |
| Noninterest income to average assets | 0.2150% | 4,622 |
| Noninterest expense to average assets | 1.8662% | 4,939 |
| Loan and lease loss provision to assets | 0.0733% | 2,670 |
| Net operating income to assets | 2.0188% | 348 |
| Return on assets (ROA) | 2.0188% | 345 |
| Pretax return on assets | 2.0188% | 540 |
| Return on Equity (ROE) | 21.8189% | 161 |
| Retained earnings to average equity (ytd only) | 8.7293% | 965 |
| Net charge-offs to loans | 0.0373% | 2,656 |
| Credit loss provision to net charge-offs | 367.3469% | 873 |
| Earnings coverage of net charge-offs (x) | 104.8776% | 719 |
| Efficiency ratio | 47.1459% | 5,081 |
| Assets per employee ($millions) | 7.2251% | 889 |
| Cash dividends to net income (ytd only)* | 59.9919% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 1,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 54.4599% | 4,248 |
| Net loans and leases to deposits | 60.6935% | 4,444 |
| Net loans and leases to core deposits | 62.9872% | 4,495 |
| Total domestic deposits to total assets | 89.7295% | 562 |
| Equity capital to assets | 9.7287% | 3,930 |
| Core capital (leverage) ratio | 9.9602% | 3,630 |
| Tier 1 risk-based capital ratio | 17.0908% | 2,033 |
| Total risk-based capital ratio | 18.3437% | 1,979 |
| Memoranda: | ||
| Average total assets | $245,635,400 | 2,503 |
| Average earning assets | $235,235,800 | 2,447 |
| Average equity | $22,728,000 | 2,850 |
| Average total loans | $131,402,000 | 2,861 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 3,928 |
| Cost of funding earning assets | 0.1605% | 5,188 |
| Net interest margin | 3.8412% | 2,496 |
| Noninterest income to average assets | 0.1987% | 4,783 |
| Noninterest expense to average assets | 1.6995% | 5,133 |
| Loan and lease loss provision to assets | 0.0727% | 2,501 |
| Net operating income to assets | 2.1023% | 309 |
| Return on assets (ROA) | 2.1023% | 305 |
| Pretax return on assets | 2.1023% | 481 |
| Return on Equity (ROE) | 23.0168% | 131 |
| Retained earnings to average equity (ytd only) | 9.4492% | 1,060 |
| Net charge-offs to loans | 0.0450% | 2,198 |
| Credit loss provision to net charge-offs | 304.5455% | 1,012 |
| Earnings coverage of net charge-offs (x) | 91.0607% | 811 |
| Efficiency ratio | 43.8638% | 5,219 |
| Assets per employee ($millions) | 7.3266% | 829 |
| Cash dividends to net income (ytd only)* | 58.9465% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 1,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 52.9729% | 4,424 |
| Net loans and leases to deposits | 58.5123% | 4,619 |
| Net loans and leases to core deposits | 61.2162% | 4,650 |
| Total domestic deposits to total assets | 90.5328% | 329 |
| Equity capital to assets | 9.2375% | 4,339 |
| Core capital (leverage) ratio | 9.8567% | 3,790 |
| Tier 1 risk-based capital ratio | 16.8975% | 2,135 |
| Total risk-based capital ratio | 18.1500% | 2,091 |
| Memoranda: | ||
| Average total assets | $245,630,750 | 2,515 |
| Average earning assets | $235,059,500 | 2,465 |
| Average equity | $22,435,250 | 2,882 |
| Average total loans | $130,271,000 | 2,896 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9277% | 4,000 |
| Cost of funding earning assets | 0.1549% | 5,224 |
| Net interest margin | 3.7728% | 2,656 |
| Noninterest income to average assets | 0.1906% | 4,871 |
| Noninterest expense to average assets | 1.7180% | 5,177 |
| Loan and lease loss provision to assets | 0.0744% | 2,399 |
| Net operating income to assets | 2.0043% | 378 |
| Return on assets (ROA) | 2.0043% | 374 |
| Pretax return on assets | 2.0043% | 601 |
| Return on Equity (ROE) | 22.0291% | 165 |
| Retained earnings to average equity (ytd only) | 8.8386% | 1,265 |
| Net charge-offs to loans | 0.0124% | 2,720 |
| Credit loss provision to net charge-offs | 1,137.5000% | 368 |
| Earnings coverage of net charge-offs (x) | 317.6250% | 291 |
| Efficiency ratio | 45.2489% | 5,240 |
| Assets per employee ($millions) | 7.0667% | 894 |
| Cash dividends to net income (ytd only)* | 59.8776% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 1,114 |
| Loan loss allowance to noncurrent loans | 5,662.1622% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 4,961 |
| Noncurrent loans to loans | 0.0282% | 4,796 |
| Net loans and leases to total assets | 52.1198% | 4,470 |
| Net loans and leases to deposits | 57.4646% | 4,671 |
| Net loans and leases to core deposits | 60.1331% | 4,697 |
| Total domestic deposits to total assets | 90.6989% | 326 |
| Equity capital to assets | 9.1135% | 4,468 |
| Core capital (leverage) ratio | 9.4844% | 4,131 |
| Tier 1 risk-based capital ratio | 16.7607% | 2,177 |
| Total risk-based capital ratio | 18.0138% | 2,118 |
| Memoranda: | ||
| Average total assets | $244,473,330 | 2,537 |
| Average earning assets | $233,674,330 | 2,485 |
| Average equity | $22,243,330 | 2,910 |
| Average total loans | $129,008,330 | 2,921 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8182% | 4,164 |
| Cost of funding earning assets | 0.1483% | 5,277 |
| Net interest margin | 3.6699% | 2,920 |
| Noninterest income to average assets | 0.1810% | 4,943 |
| Noninterest expense to average assets | 1.6985% | 5,249 |
| Loan and lease loss provision to assets | 0.0741% | 2,286 |
| Net operating income to assets | 1.9108% | 444 |
| Return on assets (ROA) | 1.9108% | 445 |
| Pretax return on assets | 1.9108% | 705 |
| Return on Equity (ROE) | 21.0188% | 196 |
| Retained earnings to average equity (ytd only) | 8.4003% | 1,690 |
| Net charge-offs to loans | 0.0250% | 2,004 |
| Credit loss provision to net charge-offs | 562.5000% | 540 |
| Earnings coverage of net charge-offs (x) | 150.7500% | 431 |
| Efficiency ratio | 46.1126% | 5,271 |
| Assets per employee ($millions) | 7.0177% | 953 |
| Cash dividends to net income (ytd only)* | 60.0345% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 1,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 51.7533% | 4,455 |
| Net loans and leases to deposits | 57.1759% | 4,634 |
| Net loans and leases to core deposits | 59.8541% | 4,665 |
| Total domestic deposits to total assets | 90.5159% | 470 |
| Equity capital to assets | 9.0208% | 4,532 |
| Core capital (leverage) ratio | 9.6229% | 3,937 |
| Tier 1 risk-based capital ratio | 16.5431% | 2,257 |
| Total risk-based capital ratio | 17.7954% | 2,207 |
| Memoranda: | ||
| Average total assets | $243,042,000 | 2,567 |
| Average earning assets | $231,940,000 | 2,518 |
| Average equity | $22,094,500 | 2,951 |
| Average total loans | $128,009,500 | 2,961 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7015% | 4,334 |
| Cost of funding earning assets | 0.1508% | 5,257 |
| Net interest margin | 3.5506% | 3,340 |
| Noninterest income to average assets | 0.2063% | 4,907 |
| Noninterest expense to average assets | 1.8257% | 5,222 |
| Loan and lease loss provision to assets | 0.0754% | 2,692 |
| Net operating income to assets | 1.6998% | 525 |
| Return on assets (ROA) | 1.6998% | 544 |
| Pretax return on assets | 1.6998% | 1,007 |
| Return on Equity (ROE) | 18.8858% | 245 |
| Retained earnings to average equity (ytd only) | 7.5534% | 904 |
| Net charge-offs to loans | -0.0095% | 4,779 |
| Credit loss provision to net charge-offs | -1,508.3333% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7003% | 5,185 |
| Assets per employee ($millions) | 6.8704% | 1,032 |
| Cash dividends to net income (ytd only)* | 60.0049% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 1,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 51.9169% | 4,519 |
| Net loans and leases to deposits | 57.4322% | 4,725 |
| Net loans and leases to core deposits | 60.4355% | 4,736 |
| Total domestic deposits to total assets | 90.3969% | 432 |
| Equity capital to assets | 9.1623% | 4,564 |
| Core capital (leverage) ratio | 9.4449% | 4,108 |
| Tier 1 risk-based capital ratio | 16.5354% | 2,253 |
| Total risk-based capital ratio | 17.7879% | 2,189 |
| Memoranda: | ||
| Average total assets | $239,913,000 | 2,566 |
| Average earning assets | $229,367,600 | 2,500 |
| Average equity | $21,593,000 | 2,987 |
| Average total loans | $126,770,600 | 2,968 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6590% | 4,423 |
| Cost of funding earning assets | 0.1500% | 5,310 |
| Net interest margin | 3.5090% | 3,473 |
| Noninterest income to average assets | 0.2241% | 4,876 |
| Noninterest expense to average assets | 1.6949% | 5,374 |
| Loan and lease loss provision to assets | 0.0751% | 2,569 |
| Net operating income to assets | 1.8111% | 461 |
| Return on assets (ROA) | 1.8111% | 471 |
| Pretax return on assets | 1.8111% | 867 |
| Return on Equity (ROE) | 20.2137% | 213 |
| Retained earnings to average equity (ytd only) | 8.1178% | 1,176 |
| Net charge-offs to loans | -0.0126% | 4,702 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3292% | 5,374 |
| Assets per employee ($millions) | 7.0235% | 943 |
| Cash dividends to net income (ytd only)* | 59.8403% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 1,300 |
| Loan loss allowance to noncurrent loans | 28,085.7143% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 5,256 |
| Noncurrent loans to loans | 0.0056% | 5,121 |
| Net loans and leases to total assets | 50.1082% | 4,691 |
| Net loans and leases to deposits | 55.2088% | 4,909 |
| Net loans and leases to core deposits | 57.9645% | 4,915 |
| Total domestic deposits to total assets | 90.7613% | 238 |
| Equity capital to assets | 9.0134% | 4,902 |
| Core capital (leverage) ratio | 9.2481% | 4,467 |
| Tier 1 risk-based capital ratio | 16.4663% | 2,336 |
| Total risk-based capital ratio | 17.7185% | 2,281 |
| Memoranda: | ||
| Average total assets | $239,775,500 | 2,585 |
| Average earning assets | $229,384,250 | 2,526 |
| Average equity | $21,483,250 | 3,022 |
| Average total loans | $126,750,000 | 2,989 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6458% | 4,377 |
| Cost of funding earning assets | 0.1513% | 5,328 |
| Net interest margin | 3.4945% | 3,422 |
| Noninterest income to average assets | 0.2153% | 4,964 |
| Noninterest expense to average assets | 1.6832% | 5,431 |
| Loan and lease loss provision to assets | 0.0749% | 2,469 |
| Net operating income to assets | 1.7985% | 453 |
| Return on assets (ROA) | 1.7985% | 466 |
| Pretax return on assets | 1.7985% | 843 |
| Return on Equity (ROE) | 20.1141% | 215 |
| Retained earnings to average equity (ytd only) | 8.0626% | 1,136 |
| Net charge-offs to loans | -0.0173% | 4,719 |
| Credit loss provision to net charge-offs | -809.0909% | 4,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3273% | 5,423 |
| Assets per employee ($millions) | 6.7992% | 1,016 |
| Cash dividends to net income (ytd only)* | 59.9158% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 1,601 |
| Loan loss allowance to noncurrent loans | 31,983.3333% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 5,305 |
| Noncurrent loans to loans | 0.0047% | 5,177 |
| Net loans and leases to total assets | 53.2392% | 4,467 |
| Net loans and leases to deposits | 58.7356% | 4,719 |
| Net loans and leases to core deposits | 61.6176% | 4,738 |
| Total domestic deposits to total assets | 90.6422% | 313 |
| Equity capital to assets | 9.1519% | 4,756 |
| Core capital (leverage) ratio | 9.1518% | 4,552 |
| Tier 1 risk-based capital ratio | 16.3221% | 2,390 |
| Total risk-based capital ratio | 17.5739% | 2,330 |
| Memoranda: | ||
| Average total assets | $237,759,330 | 2,614 |
| Average earning assets | $227,331,330 | 2,555 |
| Average equity | $21,258,670 | 3,046 |
| Average total loans | $127,285,330 | 2,984 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5982% | 4,425 |
| Cost of funding earning assets | 0.1498% | 5,376 |
| Net interest margin | 3.4484% | 3,452 |
| Noninterest income to average assets | 0.2003% | 5,068 |
| Noninterest expense to average assets | 1.6579% | 5,510 |
| Loan and lease loss provision to assets | 0.0724% | 2,358 |
| Net operating income to assets | 1.7639% | 481 |
| Return on assets (ROA) | 1.7639% | 492 |
| Pretax return on assets | 1.7639% | 872 |
| Return on Equity (ROE) | 19.9633% | 232 |
| Retained earnings to average equity (ytd only) | 7.9815% | 1,467 |
| Net charge-offs to loans | -0.0379% | 5,044 |
| Credit loss provision to net charge-offs | -358.3333% | 4,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4470% | 5,489 |
| Assets per employee ($millions) | 6.6290% | 1,115 |
| Cash dividends to net income (ytd only)* | 60.0191% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 1,763 |
| Loan loss allowance to noncurrent loans | 18,740.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,356 |
| Noncurrent loans to loans | 0.0079% | 5,220 |
| Net loans and leases to total assets | 52.2305% | 4,495 |
| Net loans and leases to deposits | 57.6294% | 4,727 |
| Net loans and leases to core deposits | 60.5994% | 4,742 |
| Total domestic deposits to total assets | 90.6317% | 416 |
| Equity capital to assets | 8.9078% | 4,900 |
| Core capital (leverage) ratio | 9.2369% | 4,425 |
| Tier 1 risk-based capital ratio | 15.9856% | 2,552 |
| Total risk-based capital ratio | 17.2374% | 2,509 |
| Memoranda: | ||
| Average total assets | $237,652,500 | 2,637 |
| Average earning assets | $227,005,000 | 2,586 |
| Average equity | $20,998,500 | 3,085 |
| Average total loans | $126,621,000 | 3,017 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5463% | 4,646 |
| Cost of funding earning assets | 0.1548% | 5,388 |
| Net interest margin | 3.3915% | 3,850 |
| Noninterest income to average assets | 0.2411% | 4,981 |
| Noninterest expense to average assets | 1.7739% | 5,498 |
| Loan and lease loss provision to assets | 0.0786% | 2,791 |
| Net operating income to assets | 1.6262% | 641 |
| Return on assets (ROA) | 1.6262% | 668 |
| Pretax return on assets | 1.6262% | 1,202 |
| Return on Equity (ROE) | 18.2690% | 311 |
| Retained earnings to average equity (ytd only) | 7.3047% | 1,112 |
| Net charge-offs to loans | -0.0236% | 5,170 |
| Credit loss provision to net charge-offs | -650.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9935% | 5,435 |
| Assets per employee ($millions) | 6.7617% | 1,023 |
| Cash dividends to net income (ytd only)* | 60.0159% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,936 |
| Loan loss allowance to noncurrent loans | 22,737.5000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 5,427 |
| Noncurrent loans to loans | 0.0063% | 5,285 |
| Net loans and leases to total assets | 52.7776% | 4,546 |
| Net loans and leases to deposits | 58.1452% | 4,777 |
| Net loans and leases to core deposits | 61.1046% | 4,799 |
| Total domestic deposits to total assets | 90.7687% | 360 |
| Equity capital to assets | 8.7949% | 5,018 |
| Core capital (leverage) ratio | 9.0740% | 4,653 |
| Tier 1 risk-based capital ratio | 15.7962% | 2,636 |
| Total risk-based capital ratio | 17.0474% | 2,561 |
| Memoranda: | ||
| Average total assets | $231,461,400 | 2,652 |
| Average earning assets | $220,963,200 | 2,584 |
| Average equity | $20,603,200 | 3,108 |
| Average total loans | $118,653,800 | 3,087 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5294% | 4,732 |
| Cost of funding earning assets | 0.1554% | 5,452 |
| Net interest margin | 3.3740% | 3,946 |
| Noninterest income to average assets | 0.2503% | 4,967 |
| Noninterest expense to average assets | 1.6689% | 5,630 |
| Loan and lease loss provision to assets | 0.0788% | 2,643 |
| Net operating income to assets | 1.7222% | 572 |
| Return on assets (ROA) | 1.7222% | 603 |
| Pretax return on assets | 1.7222% | 1,055 |
| Return on Equity (ROE) | 19.2886% | 276 |
| Retained earnings to average equity (ytd only) | 7.6622% | 1,330 |
| Net charge-offs to loans | -0.0297% | 5,164 |
| Credit loss provision to net charge-offs | -523.0769% | 5,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0968% | 5,591 |
| Assets per employee ($millions) | 6.7415% | 982 |
| Cash dividends to net income (ytd only)* | 60.2757% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 1,856 |
| Loan loss allowance to noncurrent loans | 13,623.0769% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 5,518 |
| Noncurrent loans to loans | 0.0108% | 5,363 |
| Net loans and leases to total assets | 50.0907% | 4,814 |
| Net loans and leases to deposits | 55.1890% | 5,043 |
| Net loans and leases to core deposits | 57.9065% | 5,056 |
| Total domestic deposits to total assets | 90.7621% | 253 |
| Equity capital to assets | 9.0065% | 5,171 |
| Core capital (leverage) ratio | 8.9851% | 4,843 |
| Tier 1 risk-based capital ratio | 16.3580% | 2,467 |
| Total risk-based capital ratio | 17.6094% | 2,422 |
| Memoranda: | ||
| Average total assets | $230,161,500 | 2,668 |
| Average earning assets | $219,638,000 | 2,610 |
| Average equity | $20,550,500 | 3,138 |
| Average total loans | $116,636,500 | 3,126 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5512% | 4,739 |
| Cost of funding earning assets | 0.1562% | 5,507 |
| Net interest margin | 3.3950% | 3,917 |
| Noninterest income to average assets | 0.2506% | 4,978 |
| Noninterest expense to average assets | 1.6685% | 5,711 |
| Loan and lease loss provision to assets | 0.0797% | 2,543 |
| Net operating income to assets | 1.7403% | 534 |
| Return on assets (ROA) | 1.7403% | 566 |
| Pretax return on assets | 1.7403% | 1,001 |
| Return on Equity (ROE) | 19.5501% | 260 |
| Retained earnings to average equity (ytd only) | 7.9047% | 1,200 |
| Net charge-offs to loans | -0.0450% | 5,320 |
| Credit loss provision to net charge-offs | -350.0000% | 4,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8272% | 5,674 |
| Assets per employee ($millions) | 6.5737% | 1,050 |
| Cash dividends to net income (ytd only)* | 59.5670% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 1,905 |
| Loan loss allowance to noncurrent loans | 13,276.9231% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,615 |
| Noncurrent loans to loans | 0.0112% | 5,455 |
| Net loans and leases to total assets | 49.6721% | 4,864 |
| Net loans and leases to deposits | 54.7772% | 5,090 |
| Net loans and leases to core deposits | 57.5476% | 5,092 |
| Total domestic deposits to total assets | 90.6802% | 266 |
| Equity capital to assets | 9.1246% | 5,136 |
| Core capital (leverage) ratio | 8.8015% | 5,057 |
| Tier 1 risk-based capital ratio | 16.5193% | 2,417 |
| Total risk-based capital ratio | 17.7708% | 2,364 |
| Memoranda: | ||
| Average total assets | $228,231,330 | 2,696 |
| Average earning assets | $217,675,000 | 2,643 |
| Average equity | $20,317,000 | 3,162 |
| Average total loans | $115,528,330 | 3,151 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5663% | 4,722 |
| Cost of funding earning assets | 0.1551% | 5,573 |
| Net interest margin | 3.4113% | 3,832 |
| Noninterest income to average assets | 0.2692% | 4,808 |
| Noninterest expense to average assets | 1.6489% | 5,797 |
| Loan and lease loss provision to assets | 0.0774% | 2,414 |
| Net operating income to assets | 1.7949% | 474 |
| Return on assets (ROA) | 1.7949% | 509 |
| Pretax return on assets | 1.7949% | 861 |
| Return on Equity (ROE) | 20.4220% | 216 |
| Retained earnings to average equity (ytd only) | 8.1688% | 1,389 |
| Net charge-offs to loans | -0.0798% | 5,550 |
| Credit loss provision to net charge-offs | -191.3043% | 4,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8266% | 5,777 |
| Assets per employee ($millions) | 6.9117% | 927 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 2,121 |
| Loan loss allowance to noncurrent loans | 16,760.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 5,663 |
| Noncurrent loans to loans | 0.0088% | 5,487 |
| Net loans and leases to total assets | 47.8466% | 4,977 |
| Net loans and leases to deposits | 52.6355% | 5,186 |
| Net loans and leases to core deposits | 55.1620% | 5,179 |
| Total domestic deposits to total assets | 90.9017% | 300 |
| Equity capital to assets | 8.6554% | 5,456 |
| Core capital (leverage) ratio | 8.8876% | 4,976 |
| Tier 1 risk-based capital ratio | 16.4645% | 2,488 |
| Total risk-based capital ratio | 17.7159% | 2,446 |
| Memoranda: | ||
| Average total assets | $227,306,500 | 2,715 |
| Average earning assets | $216,694,000 | 2,659 |
| Average equity | $19,978,500 | 3,200 |
| Average total loans | $115,286,500 | 3,155 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6152% | 4,627 |
| Cost of funding earning assets | 0.1649% | 5,575 |
| Net interest margin | 3.4503% | 3,718 |
| Noninterest income to average assets | 0.2542% | 5,073 |
| Noninterest expense to average assets | 1.8917% | 5,628 |
| Loan and lease loss provision to assets | 0.0575% | 3,163 |
| Net operating income to assets | 1.5860% | 732 |
| Return on assets (ROA) | 1.5860% | 752 |
| Pretax return on assets | 1.5860% | 1,292 |
| Return on Equity (ROE) | 17.7993% | 396 |
| Retained earnings to average equity (ytd only) | 6.2316% | 1,688 |
| Net charge-offs to loans | 0.0134% | 4,026 |
| Credit loss provision to net charge-offs | 826.6667% | 414 |
| Earnings coverage of net charge-offs (x) | 236.2000% | 296 |
| Efficiency ratio | 53.5100% | 5,554 |
| Assets per employee ($millions) | 6.2747% | 1,219 |
| Cash dividends to net income (ytd only)* | 64.9898% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 2,511 |
| Loan loss allowance to noncurrent loans | 10,726.6667% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 5,685 |
| Noncurrent loans to loans | 0.0129% | 5,482 |
| Net loans and leases to total assets | 52.2958% | 4,668 |
| Net loans and leases to deposits | 57.7067% | 4,932 |
| Net loans and leases to core deposits | 60.8320% | 4,934 |
| Total domestic deposits to total assets | 90.6235% | 399 |
| Equity capital to assets | 8.9325% | 5,189 |
| Core capital (leverage) ratio | 8.9015% | 5,002 |
| Tier 1 risk-based capital ratio | 15.8087% | 2,778 |
| Total risk-based capital ratio | 17.0594% | 2,715 |
| Memoranda: | ||
| Average total assets | $215,569,000 | 2,784 |
| Average earning assets | $204,996,400 | 2,730 |
| Average equity | $19,208,600 | 3,247 |
| Average total loans | $111,678,800 | 3,169 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5964% | 4,752 |
| Cost of funding earning assets | 0.1673% | 5,653 |
| Net interest margin | 3.4290% | 3,840 |
| Noninterest income to average assets | 0.2610% | 5,073 |
| Noninterest expense to average assets | 1.7555% | 5,841 |
| Loan and lease loss provision to assets | 0.0590% | 3,003 |
| Net operating income to assets | 1.7064% | 614 |
| Return on assets (ROA) | 1.7064% | 641 |
| Pretax return on assets | 1.7064% | 1,085 |
| Return on Equity (ROE) | 19.1623% | 326 |
| Retained earnings to average equity (ytd only) | 6.7340% | 1,817 |
| Net charge-offs to loans | 0.0217% | 3,497 |
| Credit loss provision to net charge-offs | 527.7778% | 625 |
| Earnings coverage of net charge-offs (x) | 157.8296% | 443 |
| Efficiency ratio | 49.8588% | 5,786 |
| Assets per employee ($millions) | 6.3731% | 1,139 |
| Cash dividends to net income (ytd only)* | 64.8581% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 2,799 |
| Loan loss allowance to noncurrent loans | 7,885.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 5,769 |
| Noncurrent loans to loans | 0.0172% | 5,573 |
| Net loans and leases to total assets | 51.3548% | 4,818 |
| Net loans and leases to deposits | 56.4853% | 5,097 |
| Net loans and leases to core deposits | 59.2249% | 5,119 |
| Total domestic deposits to total assets | 90.9172% | 264 |
| Equity capital to assets | 8.8564% | 5,434 |
| Core capital (leverage) ratio | 8.8982% | 5,121 |
| Tier 1 risk-based capital ratio | 15.7885% | 2,902 |
| Total risk-based capital ratio | 17.0387% | 2,838 |
| Memoranda: | ||
| Average total assets | $214,557,750 | 2,823 |
| Average earning assets | $203,978,500 | 2,753 |
| Average equity | $19,106,500 | 3,286 |
| Average total loans | $110,484,000 | 3,220 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6066% | 4,699 |
| Cost of funding earning assets | 0.1723% | 5,675 |
| Net interest margin | 3.4344% | 3,776 |
| Noninterest income to average assets | 0.2787% | 4,955 |
| Noninterest expense to average assets | 1.7740% | 5,885 |
| Loan and lease loss provision to assets | 0.0586% | 2,931 |
| Net operating income to assets | 1.7041% | 626 |
| Return on assets (ROA) | 1.7041% | 656 |
| Pretax return on assets | 1.7041% | 1,081 |
| Return on Equity (ROE) | 19.0997% | 323 |
| Retained earnings to average equity (ytd only) | 6.6807% | 1,858 |
| Net charge-offs to loans | 0.0368% | 2,944 |
| Credit loss provision to net charge-offs | 310.0000% | 914 |
| Earnings coverage of net charge-offs (x) | 93.3000% | 630 |
| Efficiency ratio | 50.1603% | 5,849 |
| Assets per employee ($millions) | 6.5263% | 1,041 |
| Cash dividends to net income (ytd only)* | 65.0222% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 2,806 |
| Loan loss allowance to noncurrent loans | 9,637.5000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 5,870 |
| Noncurrent loans to loans | 0.0144% | 5,706 |
| Net loans and leases to total assets | 50.7870% | 4,862 |
| Net loans and leases to deposits | 55.8934% | 5,123 |
| Net loans and leases to core deposits | 58.4830% | 5,163 |
| Total domestic deposits to total assets | 90.8640% | 335 |
| Equity capital to assets | 8.9345% | 5,296 |
| Core capital (leverage) ratio | 8.8677% | 5,136 |
| Tier 1 risk-based capital ratio | 16.0145% | 2,852 |
| Total risk-based capital ratio | 17.2653% | 2,809 |
| Memoranda: | ||
| Average total assets | $211,724,330 | 2,864 |
| Average earning assets | $200,851,670 | 2,808 |
| Average equity | $18,890,330 | 3,330 |
| Average total loans | $108,602,670 | 3,277 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6014% | 4,688 |
| Cost of funding earning assets | 0.1749% | 5,725 |
| Net interest margin | 3.4265% | 3,730 |
| Noninterest income to average assets | 0.2954% | 4,809 |
| Noninterest expense to average assets | 1.7723% | 5,934 |
| Loan and lease loss provision to assets | 0.0591% | 2,749 |
| Net operating income to assets | 1.7113% | 575 |
| Return on assets (ROA) | 1.7113% | 604 |
| Pretax return on assets | 1.7113% | 1,030 |
| Return on Equity (ROE) | 19.1937% | 310 |
| Retained earnings to average equity (ytd only) | 6.7114% | 2,145 |
| Net charge-offs to loans | 0.0596% | 2,160 |
| Credit loss provision to net charge-offs | 193.7500% | 1,074 |
| Earnings coverage of net charge-offs (x) | 58.0625% | 760 |
| Efficiency ratio | 50.0269% | 5,914 |
| Assets per employee ($millions) | 5.8763% | 1,486 |
| Cash dividends to net income (ytd only)* | 65.0334% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 2,889 |
| Loan loss allowance to noncurrent loans | 3,882.0513% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 5,874 |
| Noncurrent loans to loans | 0.0362% | 5,647 |
| Net loans and leases to total assets | 50.2030% | 4,825 |
| Net loans and leases to deposits | 55.4681% | 5,084 |
| Net loans and leases to core deposits | 58.2666% | 5,107 |
| Total domestic deposits to total assets | 90.5079% | 528 |
| Equity capital to assets | 9.0217% | 5,263 |
| Core capital (leverage) ratio | 8.9531% | 5,007 |
| Tier 1 risk-based capital ratio | 16.3133% | 2,776 |
| Total risk-based capital ratio | 17.5646% | 2,714 |
| Memoranda: | ||
| Average total assets | $209,902,500 | 2,910 |
| Average earning assets | $198,920,500 | 2,848 |
| Average equity | $18,714,500 | 3,367 |
| Average total loans | $107,443,500 | 3,312 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6191% | 5,032 |
| Cost of funding earning assets | 0.1872% | 5,856 |
| Net interest margin | 3.4318% | 4,058 |
| Noninterest income to average assets | 0.2982% | 4,990 |
| Noninterest expense to average assets | 1.9628% | 5,836 |
| Loan and lease loss provision to assets | 0.0010% | 4,589 |
| Net operating income to assets | 1.5761% | 743 |
| Return on assets (ROA) | 1.5761% | 781 |
| Pretax return on assets | 1.5761% | 1,304 |
| Return on Equity (ROE) | 17.6039% | 434 |
| Retained earnings to average equity (ytd only) | 5.2839% | 2,414 |
| Net charge-offs to loans | 0.0459% | 3,913 |
| Credit loss provision to net charge-offs | 4.3478% | 4,163 |
| Earnings coverage of net charge-offs (x) | 68.6304% | 719 |
| Efficiency ratio | 55.4474% | 5,722 |
| Assets per employee ($millions) | 5.7850% | 1,536 |
| Cash dividends to net income (ytd only)* | 69.9842% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 2,955 |
| Loan loss allowance to noncurrent loans | 6,818.1818% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 6,025 |
| Noncurrent loans to loans | 0.0205% | 5,807 |
| Net loans and leases to total assets | 50.7399% | 4,894 |
| Net loans and leases to deposits | 55.9218% | 5,190 |
| Net loans and leases to core deposits | 58.7459% | 5,216 |
| Total domestic deposits to total assets | 90.7337% | 450 |
| Equity capital to assets | 8.8082% | 5,481 |
| Core capital (leverage) ratio | 9.0758% | 4,862 |
| Tier 1 risk-based capital ratio | 15.9340% | 2,996 |
| Total risk-based capital ratio | 17.1849% | 2,942 |
| Memoranda: | ||
| Average total assets | $200,175,800 | 2,996 |
| Average earning assets | $189,082,200 | 2,914 |
| Average equity | $17,922,200 | 3,407 |
| Average total loans | $100,191,200 | 3,417 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 5,106 |
| Cost of funding earning assets | 0.1892% | 5,920 |
| Net interest margin | 3.4262% | 4,122 |
| Noninterest income to average assets | 0.3183% | 4,889 |
| Noninterest expense to average assets | 1.8450% | 6,033 |
| Loan and lease loss provision to assets | 0.0007% | 4,397 |
| Net operating income to assets | 1.7010% | 610 |
| Return on assets (ROA) | 1.7010% | 639 |
| Pretax return on assets | 1.7010% | 1,067 |
| Return on Equity (ROE) | 18.9180% | 359 |
| Retained earnings to average equity (ytd only) | 5.7173% | 2,590 |
| Net charge-offs to loans | 0.0135% | 4,283 |
| Credit loss provision to net charge-offs | 10.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | 252.9572% | 265 |
| Efficiency ratio | 52.0205% | 5,989 |
| Assets per employee ($millions) | 5.9028% | 1,404 |
| Cash dividends to net income (ytd only)* | 69.7785% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 2,855 |
| Loan loss allowance to noncurrent loans | 2,131.9444% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 6,026 |
| Noncurrent loans to loans | 0.0690% | 5,745 |
| Net loans and leases to total assets | 49.7969% | 5,032 |
| Net loans and leases to deposits | 54.7389% | 5,329 |
| Net loans and leases to core deposits | 57.2769% | 5,379 |
| Total domestic deposits to total assets | 90.9718% | 374 |
| Equity capital to assets | 8.7644% | 5,580 |
| Core capital (leverage) ratio | 9.0346% | 5,028 |
| Tier 1 risk-based capital ratio | 15.9855% | 3,067 |
| Total risk-based capital ratio | 17.2364% | 3,015 |
| Memoranda: | ||
| Average total assets | $198,154,750 | 3,039 |
| Average earning assets | $186,713,500 | 2,974 |
| Average equity | $17,816,750 | 3,440 |
| Average total loans | $98,446,250 | 3,479 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5969% | 5,159 |
| Cost of funding earning assets | 0.1911% | 5,993 |
| Net interest margin | 3.4059% | 4,148 |
| Noninterest income to average assets | 0.3123% | 4,922 |
| Noninterest expense to average assets | 1.8521% | 6,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6720% | 613 |
| Return on assets (ROA) | 1.6720% | 648 |
| Pretax return on assets | 1.6720% | 1,079 |
| Return on Equity (ROE) | 18.4312% | 418 |
| Retained earnings to average equity (ytd only) | 5.5869% | 2,589 |
| Net charge-offs to loans | 0.0145% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 233.2857% | 291 |
| Efficiency ratio | 52.5567% | 6,028 |
| Assets per employee ($millions) | 5.6291% | 1,585 |
| Cash dividends to net income (ytd only)* | 69.6877% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 2,757 |
| Loan loss allowance to noncurrent loans | 3,013.7255% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 6,143 |
| Noncurrent loans to loans | 0.0508% | 5,894 |
| Net loans and leases to total assets | 48.7846% | 5,106 |
| Net loans and leases to deposits | 53.6688% | 5,383 |
| Net loans and leases to core deposits | 56.2078% | 5,398 |
| Total domestic deposits to total assets | 90.8994% | 443 |
| Equity capital to assets | 8.8766% | 5,432 |
| Core capital (leverage) ratio | 9.0939% | 4,880 |
| Tier 1 risk-based capital ratio | 16.3801% | 2,886 |
| Total risk-based capital ratio | 17.6317% | 2,844 |
| Memoranda: | ||
| Average total assets | $195,340,670 | 3,086 |
| Average earning assets | $184,211,670 | 3,022 |
| Average equity | $17,720,000 | 3,450 |
| Average total loans | $96,457,000 | 3,532 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6296% | 5,067 |
| Cost of funding earning assets | 0.1931% | 6,058 |
| Net interest margin | 3.4364% | 3,954 |
| Noninterest income to average assets | 0.3151% | 4,847 |
| Noninterest expense to average assets | 1.8530% | 6,140 |
| Loan and lease loss provision to assets | -0.0021% | 6,368 |
| Net operating income to assets | 1.6944% | 584 |
| Return on assets (ROA) | 1.6944% | 600 |
| Pretax return on assets | 1.6944% | 987 |
| Return on Equity (ROE) | 18.4692% | 404 |
| Retained earnings to average equity (ytd only) | 5.5271% | 2,775 |
| Net charge-offs to loans | 0.0169% | 3,248 |
| Credit loss provision to net charge-offs | -25.0000% | 4,706 |
| Earnings coverage of net charge-offs (x) | 202.7500% | 237 |
| Efficiency ratio | 52.2660% | 6,120 |
| Assets per employee ($millions) | 5.3935% | 1,810 |
| Cash dividends to net income (ytd only)* | 70.0739% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 2,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 47.9162% | 5,141 |
| Net loans and leases to deposits | 53.0122% | 5,379 |
| Net loans and leases to core deposits | 55.4849% | 5,392 |
| Total domestic deposits to total assets | 90.3871% | 866 |
| Equity capital to assets | 9.1087% | 4,991 |
| Core capital (leverage) ratio | 9.2399% | 4,661 |
| Tier 1 risk-based capital ratio | 17.4137% | 2,510 |
| Total risk-based capital ratio | 18.6668% | 2,475 |
| Memoranda: | ||
| Average total assets | $191,688,000 | 3,145 |
| Average earning assets | $180,187,500 | 3,095 |
| Average equity | $17,586,000 | 3,470 |
| Average total loans | $94,487,000 | 3,601 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7681% | 4,914 |
| Cost of funding earning assets | 0.2032% | 6,274 |
| Net interest margin | 3.5649% | 3,619 |
| Noninterest income to average assets | 0.3535% | 4,780 |
| Noninterest expense to average assets | 1.9858% | 6,054 |
| Loan and lease loss provision to assets | 0.0816% | 3,482 |
| Net operating income to assets | 1.6264% | 653 |
| Return on assets (ROA) | 1.6264% | 675 |
| Pretax return on assets | 1.6264% | 1,105 |
| Return on Equity (ROE) | 17.6505% | 441 |
| Retained earnings to average equity (ytd only) | 5.2951% | 2,421 |
| Net charge-offs to loans | -0.0074% | 5,985 |
| Credit loss provision to net charge-offs | -2,185.7143% | 6,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7606% | 6,160 |
| Assets per employee ($millions) | 5.4060% | 1,750 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 2,625 |
| Loan loss allowance to noncurrent loans | 15,440.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 6,420 |
| Noncurrent loans to loans | 0.0106% | 6,253 |
| Net loans and leases to total assets | 49.0746% | 5,185 |
| Net loans and leases to deposits | 54.3562% | 5,444 |
| Net loans and leases to core deposits | 56.9621% | 5,463 |
| Total domestic deposits to total assets | 90.2833% | 921 |
| Equity capital to assets | 9.2416% | 4,758 |
| Core capital (leverage) ratio | 9.3368% | 4,496 |
| Tier 1 risk-based capital ratio | 17.1439% | 2,541 |
| Total risk-based capital ratio | 18.3968% | 2,518 |
| Memoranda: | ||
| Average total assets | $187,531,600 | 3,193 |
| Average earning assets | $175,713,000 | 3,137 |
| Average equity | $17,280,000 | 3,523 |
| Average total loans | $93,970,600 | 3,601 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 4,963 |
| Cost of funding earning assets | 0.2073% | 6,371 |
| Net interest margin | 3.5620% | 3,609 |
| Noninterest income to average assets | 0.3648% | 4,780 |
| Noninterest expense to average assets | 1.8684% | 6,228 |
| Loan and lease loss provision to assets | 0.0976% | 3,134 |
| Net operating income to assets | 1.7408% | 594 |
| Return on assets (ROA) | 1.7408% | 615 |
| Pretax return on assets | 1.7408% | 1,015 |
| Return on Equity (ROE) | 18.9062% | 375 |
| Retained earnings to average equity (ytd only) | 5.7036% | 2,594 |
| Net charge-offs to loans | 0.0881% | 3,691 |
| Credit loss provision to net charge-offs | 220.9677% | 1,101 |
| Earnings coverage of net charge-offs (x) | 41.6152% | 976 |
| Efficiency ratio | 50.4037% | 6,375 |
| Assets per employee ($millions) | 5.5039% | 1,616 |
| Cash dividends to net income (ytd only)* | 69.8322% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 3,212 |
| Loan loss allowance to noncurrent loans | 18,237.5000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 6,515 |
| Noncurrent loans to loans | 0.0085% | 6,354 |
| Net loans and leases to total assets | 49.4288% | 5,199 |
| Net loans and leases to deposits | 54.6889% | 5,477 |
| Net loans and leases to core deposits | 57.0004% | 5,530 |
| Total domestic deposits to total assets | 90.3818% | 799 |
| Equity capital to assets | 9.3099% | 4,788 |
| Core capital (leverage) ratio | 9.2077% | 4,821 |
| Tier 1 risk-based capital ratio | 16.9546% | 2,726 |
| Total risk-based capital ratio | 18.2063% | 2,690 |
| Memoranda: | ||
| Average total assets | $187,112,000 | 3,226 |
| Average earning assets | $175,553,750 | 3,166 |
| Average equity | $17,228,500 | 3,573 |
| Average total loans | $93,863,750 | 3,626 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 4,975 |
| Cost of funding earning assets | 0.2116% | 6,419 |
| Net interest margin | 3.5429% | 3,594 |
| Noninterest income to average assets | 0.3677% | 4,769 |
| Noninterest expense to average assets | 1.8471% | 6,297 |
| Loan and lease loss provision to assets | 0.0962% | 3,184 |
| Net operating income to assets | 1.7530% | 569 |
| Return on assets (ROA) | 1.7530% | 611 |
| Pretax return on assets | 1.7530% | 1,009 |
| Return on Equity (ROE) | 19.1098% | 374 |
| Retained earnings to average equity (ytd only) | 5.6980% | 2,612 |
| Net charge-offs to loans | 0.0234% | 4,370 |
| Credit loss provision to net charge-offs | 818.1818% | 374 |
| Earnings coverage of net charge-offs (x) | 157.2727% | 315 |
| Efficiency ratio | 49.9711% | 6,434 |
| Assets per employee ($millions) | 5.3430% | 1,750 |
| Cash dividends to net income (ytd only)* | 70.1829% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 3,355 |
| Loan loss allowance to noncurrent loans | 2,285.9375% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 5,909 |
| Noncurrent loans to loans | 0.0679% | 6,190 |
| Net loans and leases to total assets | 49.6251% | 5,145 |
| Net loans and leases to deposits | 54.7770% | 5,451 |
| Net loans and leases to core deposits | 57.4406% | 5,472 |
| Total domestic deposits to total assets | 90.5949% | 708 |
| Equity capital to assets | 9.1415% | 5,053 |
| Core capital (leverage) ratio | 9.0533% | 4,906 |
| Tier 1 risk-based capital ratio | 16.8785% | 2,757 |
| Total risk-based capital ratio | 18.1310% | 2,731 |
| Memoranda: | ||
| Average total assets | $187,104,670 | 3,242 |
| Average earning assets | $175,789,000 | 3,176 |
| Average equity | $17,164,000 | 3,601 |
| Average total loans | $93,832,670 | 3,637 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 5,024 |
| Cost of funding earning assets | 0.2169% | 6,492 |
| Net interest margin | 3.5225% | 3,610 |
| Noninterest income to average assets | 0.3740% | 4,673 |
| Noninterest expense to average assets | 1.8359% | 6,390 |
| Loan and lease loss provision to assets | 0.1069% | 2,911 |
| Net operating income to assets | 1.7290% | 542 |
| Return on assets (ROA) | 1.7290% | 599 |
| Pretax return on assets | 1.7290% | 1,005 |
| Return on Equity (ROE) | 18.8156% | 371 |
| Retained earnings to average equity (ytd only) | 5.6284% | 2,879 |
| Net charge-offs to loans | 0.0427% | 3,435 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 85.9000% | 436 |
| Efficiency ratio | 50.0000% | 6,501 |
| Assets per employee ($millions) | 5.4313% | 1,730 |
| Cash dividends to net income (ytd only)* | 70.0865% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 3,758 |
| Loan loss allowance to noncurrent loans | 1,675.2941% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 6,468 |
| Noncurrent loans to loans | 0.0904% | 6,206 |
| Net loans and leases to total assets | 48.7028% | 5,152 |
| Net loans and leases to deposits | 53.8740% | 5,446 |
| Net loans and leases to core deposits | 56.5383% | 5,470 |
| Total domestic deposits to total assets | 90.4012% | 815 |
| Equity capital to assets | 9.0949% | 5,371 |
| Core capital (leverage) ratio | 9.2344% | 4,506 |
| Tier 1 risk-based capital ratio | 16.8803% | 2,814 |
| Total risk-based capital ratio | 18.1312% | 2,782 |
| Memoranda: | ||
| Average total assets | $187,155,000 | 3,265 |
| Average earning assets | $175,218,000 | 3,208 |
| Average equity | $17,198,500 | 3,630 |
| Average total loans | $93,617,000 | 3,662 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 5,166 |
| Cost of funding earning assets | 0.2897% | 6,505 |
| Net interest margin | 3.7553% | 3,417 |
| Noninterest income to average assets | 0.3974% | 4,634 |
| Noninterest expense to average assets | 2.0303% | 6,274 |
| Loan and lease loss provision to assets | 0.1010% | 4,379 |
| Net operating income to assets | 1.7911% | 515 |
| Return on assets (ROA) | 1.7911% | 581 |
| Pretax return on assets | 1.7911% | 934 |
| Return on Equity (ROE) | 19.3828% | 328 |
| Retained earnings to average equity (ytd only) | 5.8142% | 2,183 |
| Net charge-offs to loans | 0.2171% | 3,654 |
| Credit loss provision to net charge-offs | 89.6552% | 3,487 |
| Earnings coverage of net charge-offs (x) | 16.7931% | 1,554 |
| Efficiency ratio | 51.7617% | 6,478 |
| Assets per employee ($millions) | 5.2633% | 1,940 |
| Cash dividends to net income (ytd only)* | 70.0031% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 3,810 |
| Loan loss allowance to noncurrent loans | 1,384.0000% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 6,493 |
| Noncurrent loans to loans | 0.1073% | 6,218 |
| Net loans and leases to total assets | 49.8572% | 5,187 |
| Net loans and leases to deposits | 55.2741% | 5,519 |
| Net loans and leases to core deposits | 57.8170% | 5,564 |
| Total domestic deposits to total assets | 90.2000% | 844 |
| Equity capital to assets | 9.2870% | 5,172 |
| Core capital (leverage) ratio | 9.1201% | 4,708 |
| Tier 1 risk-based capital ratio | 16.7964% | 2,746 |
| Total risk-based capital ratio | 18.0481% | 2,712 |
| Memoranda: | ||
| Average total assets | $180,166,800 | 3,311 |
| Average earning assets | $169,119,600 | 3,242 |
| Average equity | $16,648,800 | 3,681 |
| Average total loans | $93,516,000 | 3,660 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0476% | 5,367 |
| Cost of funding earning assets | 0.3064% | 6,585 |
| Net interest margin | 3.7412% | 3,601 |
| Noninterest income to average assets | 0.3982% | 4,650 |
| Noninterest expense to average assets | 1.9126% | 6,504 |
| Loan and lease loss provision to assets | 0.1012% | 4,309 |
| Net operating income to assets | 1.9097% | 444 |
| Return on assets (ROA) | 1.9097% | 515 |
| Pretax return on assets | 1.9097% | 851 |
| Return on Equity (ROE) | 20.6922% | 294 |
| Retained earnings to average equity (ytd only) | 6.3867% | 2,440 |
| Net charge-offs to loans | -0.0029% | 6,225 |
| Credit loss provision to net charge-offs | -6,800.0000% | 6,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7481% | 6,678 |
| Assets per employee ($millions) | 5.2398% | 1,892 |
| Cash dividends to net income (ytd only)* | 69.1347% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 3,540 |
| Loan loss allowance to noncurrent loans | 17,144.4444% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 6,789 |
| Noncurrent loans to loans | 0.0093% | 6,645 |
| Net loans and leases to total assets | 51.9292% | 5,060 |
| Net loans and leases to deposits | 57.4189% | 5,495 |
| Net loans and leases to core deposits | 60.4697% | 5,507 |
| Total domestic deposits to total assets | 90.4392% | 617 |
| Equity capital to assets | 9.2637% | 5,515 |
| Core capital (leverage) ratio | 9.0254% | 5,027 |
| Tier 1 risk-based capital ratio | 15.8725% | 3,339 |
| Total risk-based capital ratio | 17.1253% | 3,307 |
| Memoranda: | ||
| Average total assets | $179,155,000 | 3,368 |
| Average earning assets | $168,819,250 | 3,280 |
| Average equity | $16,534,000 | 3,731 |
| Average total loans | $93,588,000 | 3,703 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 5,516 |
| Cost of funding earning assets | 0.3188% | 6,652 |
| Net interest margin | 3.7212% | 3,720 |
| Noninterest income to average assets | 0.3927% | 4,706 |
| Noninterest expense to average assets | 1.9241% | 6,558 |
| Loan and lease loss provision to assets | 0.1024% | 4,241 |
| Net operating income to assets | 1.8735% | 488 |
| Return on assets (ROA) | 1.8735% | 558 |
| Pretax return on assets | 1.8735% | 898 |
| Return on Equity (ROE) | 20.3268% | 332 |
| Retained earnings to average equity (ytd only) | 6.0431% | 2,691 |
| Net charge-offs to loans | 0.0108% | 5,304 |
| Credit loss provision to net charge-offs | 1,820.0000% | 171 |
| Earnings coverage of net charge-offs (x) | 351.2000% | 117 |
| Efficiency ratio | 49.3364% | 6,688 |
| Assets per employee ($millions) | 5.1813% | 1,947 |
| Cash dividends to net income (ytd only)* | 70.2703% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 3,713 |
| Loan loss allowance to noncurrent loans | 37,275.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 6,521 |
| Noncurrent loans to loans | 0.0042% | 6,713 |
| Net loans and leases to total assets | 51.6287% | 5,144 |
| Net loans and leases to deposits | 56.9817% | 5,554 |
| Net loans and leases to core deposits | 59.8322% | 5,607 |
| Total domestic deposits to total assets | 90.6058% | 612 |
| Equity capital to assets | 9.1781% | 5,485 |
| Core capital (leverage) ratio | 9.0281% | 4,869 |
| Tier 1 risk-based capital ratio | 16.1230% | 3,110 |
| Total risk-based capital ratio | 17.3759% | 3,072 |
| Memoranda: | ||
| Average total assets | $177,742,000 | 3,395 |
| Average earning assets | $167,527,000 | 3,303 |
| Average equity | $16,382,330 | 3,748 |
| Average total loans | $92,524,670 | 3,744 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 5,641 |
| Cost of funding earning assets | 0.3402% | 6,678 |
| Net interest margin | 3.6967% | 3,848 |
| Noninterest income to average assets | 0.4001% | 4,669 |
| Noninterest expense to average assets | 1.9552% | 6,542 |
| Loan and lease loss provision to assets | 0.1000% | 4,093 |
| Net operating income to assets | 1.8279% | 572 |
| Return on assets (ROA) | 1.8279% | 644 |
| Pretax return on assets | 1.8279% | 1,018 |
| Return on Equity (ROE) | 19.7889% | 400 |
| Retained earnings to average equity (ytd only) | 5.9318% | 2,997 |
| Net charge-offs to loans | -0.0044% | 5,779 |
| Credit loss provision to net charge-offs | -4,400.0000% | 6,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3513% | 6,652 |
| Assets per employee ($millions) | 5.0459% | 2,201 |
| Cash dividends to net income (ytd only)* | 70.0249% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 3,821 |
| Loan loss allowance to noncurrent loans | 308.5106% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 6,219 |
| Noncurrent loans to loans | 0.5111% | 5,646 |
| Net loans and leases to total assets | 51.2460% | 5,113 |
| Net loans and leases to deposits | 56.8303% | 5,510 |
| Net loans and leases to core deposits | 59.7493% | 5,554 |
| Total domestic deposits to total assets | 90.1737% | 993 |
| Equity capital to assets | 9.2680% | 5,134 |
| Core capital (leverage) ratio | 9.2367% | 4,461 |
| Tier 1 risk-based capital ratio | 16.4838% | 2,914 |
| Total risk-based capital ratio | 17.7373% | 2,883 |
| Memoranda: | ||
| Average total assets | $175,940,500 | 3,439 |
| Average earning assets | $165,770,000 | 3,349 |
| Average equity | $16,251,500 | 3,774 |
| Average total loans | $91,228,500 | 3,799 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2772% | 5,831 |
| Cost of funding earning assets | 0.4622% | 6,694 |
| Net interest margin | 3.8149% | 3,745 |
| Noninterest income to average assets | 0.4015% | 4,601 |
| Noninterest expense to average assets | 2.1462% | 6,391 |
| Loan and lease loss provision to assets | 0.6414% | 1,591 |
| Net operating income to assets | 1.1793% | 1,570 |
| Return on assets (ROA) | 1.1793% | 1,687 |
| Pretax return on assets | 1.1793% | 2,529 |
| Return on Equity (ROE) | 12.7563% | 1,217 |
| Retained earnings to average equity (ytd only) | 5.9219% | 2,062 |
| Net charge-offs to loans | 1.0922% | 1,578 |
| Credit loss provision to net charge-offs | 111.7831% | 2,968 |
| Earnings coverage of net charge-offs (x) | 3.1731% | 3,625 |
| Efficiency ratio | 54.1026% | 6,505 |
| Assets per employee ($millions) | 5.0078% | 2,194 |
| Cash dividends to net income (ytd only)* | 53.5769% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 3,789 |
| Loan loss allowance to noncurrent loans | 294.5493% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 6,281 |
| Noncurrent loans to loans | 0.5271% | 5,660 |
| Net loans and leases to total assets | 50.8336% | 5,485 |
| Net loans and leases to deposits | 56.1449% | 5,879 |
| Net loans and leases to core deposits | 59.0350% | 5,929 |
| Total domestic deposits to total assets | 90.5400% | 696 |
| Equity capital to assets | 9.2056% | 5,273 |
| Core capital (leverage) ratio | 9.1169% | 4,588 |
| Tier 1 risk-based capital ratio | 16.3027% | 2,904 |
| Total risk-based capital ratio | 17.5553% | 2,874 |
| Memoranda: | ||
| Average total assets | $167,135,600 | 3,534 |
| Average earning assets | $156,201,600 | 3,471 |
| Average equity | $15,451,200 | 3,828 |
| Average total loans | $87,801,000 | 3,917 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3411% | 5,810 |
| Cost of funding earning assets | 0.4885% | 6,750 |
| Net interest margin | 3.8526% | 3,601 |
| Noninterest income to average assets | 0.4054% | 4,626 |
| Noninterest expense to average assets | 2.0464% | 6,600 |
| Loan and lease loss provision to assets | 0.8286% | 1,120 |
| Net operating income to assets | 1.1225% | 1,898 |
| Return on assets (ROA) | 1.1225% | 2,027 |
| Pretax return on assets | 1.1225% | 2,919 |
| Return on Equity (ROE) | 12.1287% | 1,518 |
| Retained earnings to average equity (ytd only) | 2.9144% | 4,615 |
| Net charge-offs to loans | 1.4477% | 1,013 |
| Credit loss provision to net charge-offs | 108.4567% | 3,045 |
| Earnings coverage of net charge-offs (x) | 2.5539% | 3,845 |
| Efficiency ratio | 51.1919% | 6,755 |
| Assets per employee ($millions) | 5.0138% | 2,175 |
| Cash dividends to net income (ytd only)* | 75.9708% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 3,772 |
| Loan loss allowance to noncurrent loans | 473.1034% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 6,638 |
| Noncurrent loans to loans | 0.3332% | 6,182 |
| Net loans and leases to total assets | 48.8099% | 5,862 |
| Net loans and leases to deposits | 53.7633% | 6,231 |
| Net loans and leases to core deposits | 56.7051% | 6,254 |
| Total domestic deposits to total assets | 90.7866% | 516 |
| Equity capital to assets | 8.9200% | 5,841 |
| Core capital (leverage) ratio | 8.9664% | 4,989 |
| Tier 1 risk-based capital ratio | 16.0274% | 3,103 |
| Total risk-based capital ratio | 17.2800% | 3,065 |
| Memoranda: | ||
| Average total assets | $165,101,000 | 3,588 |
| Average earning assets | $153,937,000 | 3,530 |
| Average equity | $15,280,250 | 3,866 |
| Average total loans | $87,125,500 | 3,963 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4287% | 5,597 |
| Cost of funding earning assets | 0.5213% | 6,775 |
| Net interest margin | 3.9073% | 3,273 |
| Noninterest income to average assets | 0.4256% | 4,463 |
| Noninterest expense to average assets | 2.0935% | 6,609 |
| Loan and lease loss provision to assets | 0.1188% | 4,788 |
| Net operating income to assets | 1.8671% | 433 |
| Return on assets (ROA) | 1.8671% | 461 |
| Pretax return on assets | 1.8671% | 759 |
| Return on Equity (ROE) | 19.9129% | 317 |
| Retained earnings to average equity (ytd only) | 5.9778% | 2,449 |
| Net charge-offs to loans | 0.1078% | 4,613 |
| Credit loss provision to net charge-offs | 204.2553% | 1,478 |
| Earnings coverage of net charge-offs (x) | 34.1489% | 841 |
| Efficiency ratio | 51.3194% | 6,849 |
| Assets per employee ($millions) | 4.8222% | 2,377 |
| Cash dividends to net income (ytd only)* | 69.9801% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 3,955 |
| Loan loss allowance to noncurrent loans | 3,352.5000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 6,866 |
| Noncurrent loans to loans | 0.0458% | 6,869 |
| Net loans and leases to total assets | 52.4000% | 5,514 |
| Net loans and leases to deposits | 58.0960% | 5,925 |
| Net loans and leases to core deposits | 61.8533% | 5,909 |
| Total domestic deposits to total assets | 90.1955% | 869 |
| Equity capital to assets | 9.5361% | 4,758 |
| Core capital (leverage) ratio | 9.2672% | 4,297 |
| Tier 1 risk-based capital ratio | 16.4761% | 2,756 |
| Total risk-based capital ratio | 17.7220% | 2,717 |
| Memoranda: | ||
| Average total assets | $161,640,330 | 3,659 |
| Average earning assets | $151,152,000 | 3,607 |
| Average equity | $15,156,000 | 3,882 |
| Average total loans | $87,159,000 | 4,011 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5093% | 5,304 |
| Cost of funding earning assets | 0.5710% | 6,722 |
| Net interest margin | 3.9383% | 2,964 |
| Noninterest income to average assets | 0.4138% | 4,593 |
| Noninterest expense to average assets | 2.0887% | 6,660 |
| Loan and lease loss provision to assets | 0.1122% | 4,612 |
| Net operating income to assets | 1.8918% | 408 |
| Return on assets (ROA) | 1.8918% | 432 |
| Pretax return on assets | 1.8918% | 692 |
| Return on Equity (ROE) | 20.3533% | 316 |
| Retained earnings to average equity (ytd only) | 6.0872% | 2,591 |
| Net charge-offs to loans | 0.0781% | 4,163 |
| Credit loss provision to net charge-offs | 264.7059% | 1,187 |
| Earnings coverage of net charge-offs (x) | 47.2941% | 601 |
| Efficiency ratio | 51.0353% | 6,917 |
| Assets per employee ($millions) | 4.9235% | 2,267 |
| Cash dividends to net income (ytd only)* | 70.0922% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 4,052 |
| Loan loss allowance to noncurrent loans | 1,589.1566% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 6,445 |
| Noncurrent loans to loans | 0.0963% | 6,804 |
| Net loans and leases to total assets | 52.2508% | 5,542 |
| Net loans and leases to deposits | 57.9417% | 5,931 |
| Net loans and leases to core deposits | 61.7751% | 5,947 |
| Total domestic deposits to total assets | 90.1782% | 1,039 |
| Equity capital to assets | 9.2364% | 4,832 |
| Core capital (leverage) ratio | 9.4203% | 3,928 |
| Tier 1 risk-based capital ratio | 16.3180% | 2,744 |
| Total risk-based capital ratio | 17.5706% | 2,708 |
| Memoranda: | ||
| Average total assets | $160,482,500 | 3,700 |
| Average earning assets | $149,911,000 | 3,640 |
| Average equity | $14,916,500 | 3,917 |
| Average total loans | $87,111,500 | 4,043 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7578% | 5,592 |
| Cost of funding earning assets | 0.8655% | 6,318 |
| Net interest margin | 3.8923% | 3,529 |
| Noninterest income to average assets | 0.5817% | 3,582 |
| Noninterest expense to average assets | 2.2586% | 6,460 |
| Loan and lease loss provision to assets | 0.1107% | 6,049 |
| Net operating income to assets | 1.8383% | 379 |
| Return on assets (ROA) | 1.8383% | 413 |
| Pretax return on assets | 1.8383% | 704 |
| Return on Equity (ROE) | 20.1326% | 243 |
| Retained earnings to average equity (ytd only) | 6.0418% | 1,791 |
| Net charge-offs to loans | 0.1969% | 5,116 |
| Credit loss provision to net charge-offs | 102.3121% | 4,424 |
| Earnings coverage of net charge-offs (x) | 18.0116% | 1,118 |
| Efficiency ratio | 53.6792% | 6,838 |
| Assets per employee ($millions) | 4.6614% | 2,608 |
| Cash dividends to net income (ytd only)* | 69.9898% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 4,197 |
| Loan loss allowance to noncurrent loans | 746.8208% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 6,496 |
| Noncurrent loans to loans | 0.1966% | 6,675 |
| Net loans and leases to total assets | 54.7148% | 5,537 |
| Net loans and leases to deposits | 60.7317% | 5,977 |
| Net loans and leases to core deposits | 65.1356% | 5,962 |
| Total domestic deposits to total assets | 90.0927% | 1,037 |
| Equity capital to assets | 9.3546% | 4,610 |
| Core capital (leverage) ratio | 9.1644% | 4,237 |
| Tier 1 risk-based capital ratio | 15.7475% | 2,868 |
| Total risk-based capital ratio | 16.9987% | 2,830 |
| Memoranda: | ||
| Average total assets | $159,878,000 | 3,700 |
| Average earning assets | $148,934,600 | 3,647 |
| Average equity | $14,598,200 | 4,014 |
| Average total loans | $87,852,200 | 4,106 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7741% | 5,764 |
| Cost of funding earning assets | 0.9235% | 6,293 |
| Net interest margin | 3.8506% | 3,748 |
| Noninterest income to average assets | 0.6058% | 3,403 |
| Noninterest expense to average assets | 2.1278% | 6,790 |
| Loan and lease loss provision to assets | 0.1115% | 5,912 |
| Net operating income to assets | 1.9505% | 369 |
| Return on assets (ROA) | 1.9505% | 404 |
| Pretax return on assets | 1.9505% | 705 |
| Return on Equity (ROE) | 21.4924% | 223 |
| Retained earnings to average equity (ytd only) | 6.5192% | 2,080 |
| Net charge-offs to loans | 0.2111% | 4,672 |
| Credit loss provision to net charge-offs | 96.4029% | 4,499 |
| Earnings coverage of net charge-offs (x) | 17.8272% | 1,299 |
| Efficiency ratio | 50.7845% | 7,090 |
| Assets per employee ($millions) | 4.7112% | 2,575 |
| Cash dividends to net income (ytd only)* | 69.6672% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 4,273 |
| Loan loss allowance to noncurrent loans | 1,069.1667% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 6,711 |
| Noncurrent loans to loans | 0.1345% | 6,909 |
| Net loans and leases to total assets | 54.9088% | 5,719 |
| Net loans and leases to deposits | 60.7841% | 6,242 |
| Net loans and leases to core deposits | 65.5566% | 6,158 |
| Total domestic deposits to total assets | 90.3341% | 705 |
| Equity capital to assets | 9.3450% | 5,058 |
| Core capital (leverage) ratio | 8.9134% | 4,827 |
| Tier 1 risk-based capital ratio | 15.3523% | 3,074 |
| Total risk-based capital ratio | 16.6035% | 3,033 |
| Memoranda: | ||
| Average total assets | $160,225,250 | 3,748 |
| Average earning assets | $149,132,750 | 3,700 |
| Average equity | $14,541,250 | 4,088 |
| Average total loans | $87,813,000 | 4,177 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7776% | 5,873 |
| Cost of funding earning assets | 0.9619% | 6,330 |
| Net interest margin | 3.8157% | 3,833 |
| Noninterest income to average assets | 0.6116% | 3,245 |
| Noninterest expense to average assets | 2.1106% | 6,871 |
| Loan and lease loss provision to assets | 0.1098% | 5,807 |
| Net operating income to assets | 1.9508% | 360 |
| Return on assets (ROA) | 1.9508% | 397 |
| Pretax return on assets | 1.9508% | 664 |
| Return on Equity (ROE) | 21.7103% | 224 |
| Retained earnings to average equity (ytd only) | 6.4589% | 2,095 |
| Net charge-offs to loans | 0.2496% | 4,097 |
| Credit loss provision to net charge-offs | 80.7339% | 4,692 |
| Earnings coverage of net charge-offs (x) | 15.1468% | 1,474 |
| Efficiency ratio | 50.5984% | 7,187 |
| Assets per employee ($millions) | 4.8212% | 2,420 |
| Cash dividends to net income (ytd only)* | 70.2495% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 4,193 |
| Loan loss allowance to noncurrent loans | 844.6667% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 6,720 |
| Noncurrent loans to loans | 0.1713% | 6,913 |
| Net loans and leases to total assets | 52.6501% | 6,145 |
| Net loans and leases to deposits | 57.9610% | 6,576 |
| Net loans and leases to core deposits | 61.4185% | 6,603 |
| Total domestic deposits to total assets | 90.8370% | 555 |
| Equity capital to assets | 8.9318% | 5,555 |
| Core capital (leverage) ratio | 8.8743% | 4,798 |
| Tier 1 risk-based capital ratio | 15.6701% | 2,817 |
| Total risk-based capital ratio | 16.9219% | 2,779 |
| Memoranda: | ||
| Average total assets | $160,239,670 | 3,786 |
| Average earning assets | $149,488,330 | 3,714 |
| Average equity | $14,398,670 | 4,115 |
| Average total loans | $87,338,330 | 4,216 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 5,849 |
| Cost of funding earning assets | 1.0211% | 6,276 |
| Net interest margin | 3.7918% | 3,827 |
| Noninterest income to average assets | 0.6414% | 2,984 |
| Noninterest expense to average assets | 2.1237% | 6,877 |
| Loan and lease loss provision to assets | 0.1111% | 5,510 |
| Net operating income to assets | 1.9419% | 385 |
| Return on assets (ROA) | 1.9419% | 421 |
| Pretax return on assets | 1.9419% | 678 |
| Return on Equity (ROE) | 21.5444% | 297 |
| Retained earnings to average equity (ytd only) | 6.4717% | 2,371 |
| Net charge-offs to loans | 0.2935% | 3,237 |
| Credit loss provision to net charge-offs | 68.7500% | 4,132 |
| Earnings coverage of net charge-offs (x) | 12.7031% | 1,546 |
| Efficiency ratio | 50.8464% | 7,253 |
| Assets per employee ($millions) | 4.8382% | 2,454 |
| Cash dividends to net income (ytd only)* | 69.9610% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 4,149 |
| Loan loss allowance to noncurrent loans | 321.8274% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 6,371 |
| Noncurrent loans to loans | 0.4522% | 6,396 |
| Net loans and leases to total assets | 53.7759% | 6,055 |
| Net loans and leases to deposits | 59.4852% | 6,511 |
| Net loans and leases to core deposits | 62.8867% | 6,535 |
| Total domestic deposits to total assets | 90.4020% | 781 |
| Equity capital to assets | 8.9816% | 5,305 |
| Core capital (leverage) ratio | 8.9757% | 4,609 |
| Tier 1 risk-based capital ratio | 15.4089% | 2,912 |
| Total risk-based capital ratio | 16.6604% | 2,861 |
| Memoranda: | ||
| Average total assets | $158,399,500 | 3,877 |
| Average earning assets | $147,687,000 | 3,809 |
| Average equity | $14,277,500 | 4,171 |
| Average total loans | $87,222,000 | 4,285 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6523% | 3,339 |
| Cost of funding earning assets | 1.3371% | 6,186 |
| Net interest margin | 4.3152% | 1,672 |
| Noninterest income to average assets | 0.6516% | 3,279 |
| Noninterest expense to average assets | 2.4591% | 6,274 |
| Loan and lease loss provision to assets | 0.1232% | 6,408 |
| Net operating income to assets | 2.0641% | 198 |
| Return on assets (ROA) | 2.0641% | 217 |
| Pretax return on assets | 2.0641% | 359 |
| Return on Equity (ROE) | 21.5744% | 178 |
| Retained earnings to average equity (ytd only) | 6.4723% | 1,161 |
| Net charge-offs to loans | 0.0217% | 6,931 |
| Credit loss provision to net charge-offs | 942.1053% | 309 |
| Earnings coverage of net charge-offs (x) | 167.3158% | 172 |
| Efficiency ratio | 52.9246% | 7,325 |
| Assets per employee ($millions) | 4.6218% | 2,727 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 3,858 |
| Loan loss allowance to noncurrent loans | 334.5455% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 6,338 |
| Noncurrent loans to loans | 0.4409% | 6,389 |
| Net loans and leases to total assets | 54.7474% | 6,115 |
| Net loans and leases to deposits | 60.5406% | 6,594 |
| Net loans and leases to core deposits | 77.2553% | 6,320 |
| Total domestic deposits to total assets | 90.4308% | 768 |
| Equity capital to assets | 9.0461% | 5,067 |
| Core capital (leverage) ratio | 8.9116% | 4,574 |
| Tier 1 risk-based capital ratio | 15.1723% | 2,856 |
| Total risk-based capital ratio | 16.4241% | 2,815 |
| Memoranda: | ||
| Average total assets | $145,338,400 | 4,024 |
| Average earning assets | $134,547,600 | 4,002 |
| Average equity | $13,905,400 | 4,279 |
| Average total loans | $87,404,000 | 4,291 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8408% | 2,701 |
| Cost of funding earning assets | 1.3657% | 6,348 |
| Net interest margin | 4.4751% | 1,256 |
| Noninterest income to average assets | 0.7191% | 2,890 |
| Noninterest expense to average assets | 2.3719% | 6,501 |
| Loan and lease loss provision to assets | 0.1367% | 5,986 |
| Net operating income to assets | 2.3438% | 139 |
| Return on assets (ROA) | 2.3438% | 153 |
| Pretax return on assets | 2.3438% | 266 |
| Return on Equity (ROE) | 24.1340% | 122 |
| Retained earnings to average equity (ytd only) | 7.0965% | 1,465 |
| Net charge-offs to loans | 0.0808% | 5,870 |
| Credit loss provision to net charge-offs | 275.4717% | 1,537 |
| Earnings coverage of net charge-offs (x) | 49.9846% | 636 |
| Efficiency ratio | 48.8807% | 7,627 |
| Assets per employee ($millions) | 4.5003% | 2,860 |
| Cash dividends to net income (ytd only)* | 70.5953% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 4,144 |
| Loan loss allowance to noncurrent loans | 442.3913% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 7,084 |
| Noncurrent loans to loans | 0.3081% | 6,752 |
| Net loans and leases to total assets | 57.7518% | 5,923 |
| Net loans and leases to deposits | 63.8944% | 6,495 |
| Net loans and leases to core deposits | 81.0526% | 6,268 |
| Total domestic deposits to total assets | 90.3862% | 625 |
| Equity capital to assets | 9.2504% | 5,090 |
| Core capital (leverage) ratio | 9.1676% | 4,386 |
| Tier 1 risk-based capital ratio | 14.6234% | 3,212 |
| Total risk-based capital ratio | 15.8843% | 3,157 |
| Memoranda: | ||
| Average total assets | $142,388,000 | 4,087 |
| Average earning assets | $131,508,500 | 4,077 |
| Average equity | $13,828,000 | 4,330 |
| Average total loans | $87,425,500 | 4,325 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9974% | 2,188 |
| Cost of funding earning assets | 1.3825% | 6,544 |
| Net interest margin | 4.6150% | 928 |
| Noninterest income to average assets | 0.7173% | 2,886 |
| Noninterest expense to average assets | 2.4574% | 6,270 |
| Loan and lease loss provision to assets | 0.1383% | 5,692 |
| Net operating income to assets | 2.3724% | 136 |
| Return on assets (ROA) | 2.3724% | 153 |
| Pretax return on assets | 2.3724% | 265 |
| Return on Equity (ROE) | 24.0099% | 157 |
| Retained earnings to average equity (ytd only) | 6.5455% | 1,773 |
| Net charge-offs to loans | 0.0507% | 5,775 |
| Credit loss provision to net charge-offs | 436.3636% | 1,067 |
| Earnings coverage of net charge-offs (x) | 79.2273% | 481 |
| Efficiency ratio | 49.4636% | 7,695 |
| Assets per employee ($millions) | 4.2803% | 3,151 |
| Cash dividends to net income (ytd only)* | 72.7383% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 3,873 |
| Loan loss allowance to noncurrent loans | 399.6678% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 6,987 |
| Noncurrent loans to loans | 0.3434% | 6,656 |
| Net loans and leases to total assets | 59.4060% | 5,779 |
| Net loans and leases to deposits | 65.9493% | 6,396 |
| Net loans and leases to core deposits | 85.5742% | 5,955 |
| Total domestic deposits to total assets | 90.0783% | 797 |
| Equity capital to assets | 9.5706% | 4,525 |
| Core capital (leverage) ratio | 9.6318% | 3,725 |
| Tier 1 risk-based capital ratio | 14.3565% | 3,326 |
| Total risk-based capital ratio | 15.6167% | 3,260 |
| Memoranda: | ||
| Average total assets | $138,847,330 | 4,193 |
| Average earning assets | $127,888,330 | 4,186 |
| Average equity | $13,719,330 | 4,367 |
| Average total loans | $86,705,000 | 4,372 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1610% | 1,723 |
| Cost of funding earning assets | 1.4309% | 6,633 |
| Net interest margin | 4.7301% | 720 |
| Noninterest income to average assets | 0.7173% | 2,780 |
| Noninterest expense to average assets | 2.4146% | 6,142 |
| Loan and lease loss provision to assets | 0.1328% | 5,260 |
| Net operating income to assets | 2.5416% | 123 |
| Return on assets (ROA) | 2.5416% | 148 |
| Pretax return on assets | 2.5416% | 235 |
| Return on Equity (ROE) | 25.2956% | 177 |
| Retained earnings to average equity (ytd only) | 7.6093% | 1,974 |
| Net charge-offs to loans | 0.0232% | 5,232 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 181.2000% | 238 |
| Efficiency ratio | 47.4478% | 7,759 |
| Assets per employee ($millions) | 4.0435% | 3,569 |
| Cash dividends to net income (ytd only)* | 69.9187% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 3,761 |
| Loan loss allowance to noncurrent loans | 687.0588% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 7,215 |
| Noncurrent loans to loans | 0.1973% | 6,967 |
| Net loans and leases to total assets | 61.8153% | 5,373 |
| Net loans and leases to deposits | 69.3320% | 6,044 |
| Net loans and leases to core deposits | 91.8050% | 5,364 |
| Total domestic deposits to total assets | 89.1583% | 1,166 |
| Equity capital to assets | 10.0314% | 3,969 |
| Core capital (leverage) ratio | 9.8394% | 3,591 |
| Tier 1 risk-based capital ratio | 14.5661% | 3,278 |
| Total risk-based capital ratio | 15.8266% | 3,199 |
| Memoranda: | ||
| Average total assets | $135,506,500 | 4,299 |
| Average earning assets | $125,239,500 | 4,263 |
| Average equity | $13,615,000 | 4,421 |
| Average total loans | $86,229,500 | 4,419 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9222% | 1,339 |
| Cost of funding earning assets | 1.9149% | 6,690 |
| Net interest margin | 5.0072% | 497 |
| Noninterest income to average assets | 0.7230% | 2,959 |
| Noninterest expense to average assets | 2.5693% | 5,755 |
| Loan and lease loss provision to assets | 0.1441% | 5,513 |
| Net operating income to assets | 2.6368% | 99 |
| Return on assets (ROA) | 2.6368% | 99 |
| Pretax return on assets | 2.6368% | 148 |
| Return on Equity (ROE) | 26.8525% | 101 |
| Retained earnings to average equity (ytd only) | 8.0503% | 833 |
| Net charge-offs to loans | 0.1826% | 4,369 |
| Credit loss provision to net charge-offs | 124.5033% | 4,298 |
| Earnings coverage of net charge-offs (x) | 24.0199% | 1,388 |
| Efficiency ratio | 48.0224% | 7,805 |
| Assets per employee ($millions) | 3.8153% | 3,924 |
| Cash dividends to net income (ytd only)* | 70.0204% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 3,729 |
| Loan loss allowance to noncurrent loans | 805.7143% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 7,159 |
| Noncurrent loans to loans | 0.1622% | 6,916 |
| Net loans and leases to total assets | 63.7890% | 5,316 |
| Net loans and leases to deposits | 71.6057% | 6,104 |
| Net loans and leases to core deposits | 95.9785% | 5,259 |
| Total domestic deposits to total assets | 89.0837% | 1,011 |
| Equity capital to assets | 10.0641% | 3,961 |
| Core capital (leverage) ratio | 9.8424% | 3,596 |
| Tier 1 risk-based capital ratio | 14.3431% | 3,366 |
| Total risk-based capital ratio | 15.5993% | 3,283 |
| Memoranda: | ||
| Average total assets | $130,425,200 | 4,273 |
| Average earning assets | $120,525,600 | 4,248 |
| Average equity | $12,807,000 | 4,621 |
| Average total loans | $82,679,000 | 4,432 |