Home > Ameristate Bank > Performance and Condition Ratios
Ameristate 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 | 6.3144% | 425 |
| Cost of funding earning assets | 1.4442% | 2,095 |
| Net interest margin | 4.8702% | 379 |
| Noninterest income to average assets | 1.3900% | 427 |
| Noninterest expense to average assets | 3.7430% | 445 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.8875% | 537 |
| Return on assets (ROA) | 1.8875% | 518 |
| Pretax return on assets | 1.8875% | 786 |
| Return on Equity (ROE) | 20.6200% | 562 |
| Retained earnings to average equity (ytd only) | 11.3011% | 726 |
| Net charge-offs to loans | 0.0961% | 932 |
| Credit loss provision to net charge-offs | 238.5714% | 1,107 |
| Earnings coverage of net charge-offs (x) | 29.5357% | 1,645 |
| Efficiency ratio | 64.1976% | 2,586 |
| Assets per employee ($millions) | 4.0879% | 4,128 |
| Cash dividends to net income (ytd only)* | 45.1859% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 1,315 |
| Loan loss allowance to noncurrent loans | 78.0047% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.3400% | 305 |
| Noncurrent loans to loans | 1.8202% | 327 |
| Net loans and leases to total assets | 71.8100% | 1,603 |
| Net loans and leases to deposits | 82.5955% | 1,903 |
| Net loans and leases to core deposits | 95.1906% | 1,701 |
| Total domestic deposits to total assets | 86.9500% | 1,700 |
| Equity capital to assets | 9.3312% | 2,469 |
| Core capital (leverage) ratio | 9.2223% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $396,175,400 | 2,025 |
| Average earning assets | $360,888,800 | 2,038 |
| Average equity | $36,270,800 | 2,007 |
| Average total loans | $291,325,800 | 1,824 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0749% | 484 |
| Cost of funding earning assets | 1.2782% | 2,202 |
| Net interest margin | 4.7968% | 411 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 3.7131% | 442 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.1427% | 1,933 |
| Return on assets (ROA) | 1.1427% | 1,920 |
| Pretax return on assets | 1.1427% | 2,449 |
| Return on Equity (ROE) | 12.5300% | 1,996 |
| Retained earnings to average equity (ytd only) | 6.2769% | 2,545 |
| Net charge-offs to loans | 0.1299% | 621 |
| Credit loss provision to net charge-offs | 210.0000% | 1,091 |
| Earnings coverage of net charge-offs (x) | 14.0357% | 2,015 |
| Efficiency ratio | 73.4280% | 1,411 |
| Assets per employee ($millions) | 3.7553% | 4,256 |
| Cash dividends to net income (ytd only)* | 49.9102% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,337 |
| Loan loss allowance to noncurrent loans | 139.3416% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 723 |
| Noncurrent loans to loans | 1.0253% | 784 |
| Net loans and leases to total assets | 73.4100% | 1,417 |
| Net loans and leases to deposits | 84.3034% | 1,714 |
| Net loans and leases to core deposits | 94.4921% | 1,648 |
| Total domestic deposits to total assets | 87.0700% | 1,872 |
| Equity capital to assets | 9.0680% | 2,379 |
| Core capital (leverage) ratio | 9.0715% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $389,957,000 | 2,042 |
| Average earning assets | $357,483,000 | 2,049 |
| Average equity | $35,558,250 | 2,025 |
| Average total loans | $287,475,000 | 1,842 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9139% | 493 |
| Cost of funding earning assets | 1.1503% | 2,132 |
| Net interest margin | 4.7636% | 421 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 3.6554% | 455 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 1.2275% | 1,756 |
| Return on assets (ROA) | 1.2275% | 1,748 |
| Pretax return on assets | 1.2275% | 2,295 |
| Return on Equity (ROE) | 13.4400% | 1,802 |
| Retained earnings to average equity (ytd only) | 7.0494% | 2,267 |
| Net charge-offs to loans | 0.0205% | 1,480 |
| Credit loss provision to net charge-offs | 1,262.0690% | 345 |
| Earnings coverage of net charge-offs (x) | 94.3103% | 969 |
| Efficiency ratio | 72.0633% | 1,552 |
| Assets per employee ($millions) | 3.9188% | 4,220 |
| Cash dividends to net income (ytd only)* | 47.5306% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 1,263 |
| Loan loss allowance to noncurrent loans | 222.3140% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 1,120 |
| Noncurrent loans to loans | 0.6630% | 1,123 |
| Net loans and leases to total assets | 71.2800% | 1,609 |
| Net loans and leases to deposits | 81.5745% | 1,862 |
| Net loans and leases to core deposits | 87.2976% | 1,984 |
| Total domestic deposits to total assets | 87.3800% | 1,806 |
| Equity capital to assets | 8.8683% | 2,613 |
| Core capital (leverage) ratio | 9.0367% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $386,002,667 | 2,058 |
| Average earning assets | $354,183,000 | 2,074 |
| Average equity | $35,265,333 | 2,051 |
| Average total loans | $283,555,333 | 1,849 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5981% | 523 |
| Cost of funding earning assets | 1.0212% | 1,977 |
| Net interest margin | 4.5769% | 520 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 3.7181% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1241% | 2,148 |
| Return on assets (ROA) | 1.1241% | 2,115 |
| Pretax return on assets | 1.1241% | 2,646 |
| Return on Equity (ROE) | 12.1100% | 2,190 |
| Retained earnings to average equity (ytd only) | 12.1143% | 1,245 |
| Net charge-offs to loans | 0.0115% | 1,518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 132.5000% | 655 |
| Efficiency ratio | 76.7849% | 1,100 |
| Assets per employee ($millions) | 3.8932% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 1,635 |
| Loan loss allowance to noncurrent loans | 149.2650% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 710 |
| Noncurrent loans to loans | 0.9361% | 803 |
| Net loans and leases to total assets | 71.0700% | 1,513 |
| Net loans and leases to deposits | 81.5398% | 1,700 |
| Net loans and leases to core deposits | 86.8650% | 1,809 |
| Total domestic deposits to total assets | 87.1600% | 2,210 |
| Equity capital to assets | 9.0620% | 2,467 |
| Core capital (leverage) ratio | 9.4205% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $377,183,500 | 2,114 |
| Average earning assets | $346,263,000 | 2,139 |
| Average equity | $35,000,000 | 2,079 |
| Average total loans | $279,328,500 | 1,883 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 688 |
| Cost of funding earning assets | 0.3559% | 2,431 |
| Net interest margin | 4.1700% | 578 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 3.4008% | 544 |
| Loan and lease loss provision to assets | 0.4100% | 166 |
| Net operating income to assets | 0.9548% | 2,745 |
| Return on assets (ROA) | 0.9548% | 2,695 |
| Pretax return on assets | 0.9548% | 3,207 |
| Return on Equity (ROE) | 11.0700% | 2,447 |
| Retained earnings to average equity (ytd only) | 3.2429% | 3,647 |
| Net charge-offs to loans | 0.5364% | 132 |
| Credit loss provision to net charge-offs | 119.3754% | 1,464 |
| Earnings coverage of net charge-offs (x) | 3.9411% | 2,443 |
| Efficiency ratio | 71.2875% | 1,529 |
| Assets per employee ($millions) | 3.6886% | 4,389 |
| Cash dividends to net income (ytd only)* | 70.7052% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 1,855 |
| Loan loss allowance to noncurrent loans | 168.8233% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 815 |
| Noncurrent loans to loans | 0.7749% | 961 |
| Net loans and leases to total assets | 75.1500% | 1,114 |
| Net loans and leases to deposits | 85.3202% | 1,367 |
| Net loans and leases to core deposits | 90.4666% | 1,479 |
| Total domestic deposits to total assets | 88.0800% | 2,048 |
| Equity capital to assets | 9.5985% | 1,935 |
| Core capital (leverage) ratio | 9.5438% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6261% | 2,116 |
| Memoranda: | ||
| Average total assets | $405,406,600 | 2,010 |
| Average earning assets | $375,105,800 | 2,005 |
| Average equity | $34,968,600 | 2,111 |
| Average total loans | $262,681,800 | 1,883 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 792 |
| Cost of funding earning assets | 0.2686% | 2,502 |
| Net interest margin | 3.9899% | 649 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 3.1864% | 701 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.0724% | 2,196 |
| Return on assets (ROA) | 1.0724% | 2,158 |
| Pretax return on assets | 1.0724% | 2,806 |
| Return on Equity (ROE) | 12.7400% | 1,794 |
| Retained earnings to average equity (ytd only) | 6.1725% | 2,694 |
| Net charge-offs to loans | 0.3344% | 192 |
| Credit loss provision to net charge-offs | 103.2258% | 1,300 |
| Earnings coverage of net charge-offs (x) | 6.1767% | 2,124 |
| Efficiency ratio | 71.2210% | 1,616 |
| Assets per employee ($millions) | 3.8946% | 4,365 |
| Cash dividends to net income (ytd only)* | 51.5676% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,328 |
| Loan loss allowance to noncurrent loans | 90.4646% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.9611% | 472 |
| Noncurrent loans to loans | 1.3693% | 529 |
| Net loans and leases to total assets | 68.5600% | 1,610 |
| Net loans and leases to deposits | 76.7381% | 1,816 |
| Net loans and leases to core deposits | 82.2305% | 1,749 |
| Total domestic deposits to total assets | 89.3400% | 1,943 |
| Equity capital to assets | 9.0227% | 2,199 |
| Core capital (leverage) ratio | 8.8789% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6473% | 2,202 |
| Memoranda: | ||
| Average total assets | $416,387,750 | 1,976 |
| Average earning assets | $385,665,000 | 1,979 |
| Average equity | $35,036,500 | 2,141 |
| Average total loans | $259,540,500 | 1,898 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 993 |
| Cost of funding earning assets | 0.2414% | 2,376 |
| Net interest margin | 3.7239% | 875 |
| Noninterest income to average assets | 0.8191% | 1,003 |
| Noninterest expense to average assets | 3.1540% | 677 |
| Loan and lease loss provision to assets | 0.1279% | 762 |
| Net operating income to assets | 1.0048% | 2,135 |
| Return on assets (ROA) | 1.0048% | 2,107 |
| Pretax return on assets | 1.0048% | 2,713 |
| Return on Equity (ROE) | 12.2107% | 1,615 |
| Retained earnings to average equity (ytd only) | 5.7140% | 2,428 |
| Net charge-offs to loans | 0.0946% | 609 |
| Credit loss provision to net charge-offs | 224.7934% | 919 |
| Earnings coverage of net charge-offs (x) | 19.9091% | 1,554 |
| Efficiency ratio | 73.5768% | 1,563 |
| Assets per employee ($millions) | 4.5436% | 4,039 |
| Cash dividends to net income (ytd only)* | 53.2054% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 2,168 |
| Loan loss allowance to noncurrent loans | 88.2293% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.9306% | 527 |
| Noncurrent loans to loans | 1.4794% | 500 |
| Net loans and leases to total assets | 60.2913% | 2,292 |
| Net loans and leases to deposits | 66.7868% | 2,484 |
| Net loans and leases to core deposits | 71.2058% | 2,397 |
| Total domestic deposits to total assets | 90.2743% | 1,597 |
| Equity capital to assets | 7.9911% | 3,134 |
| Core capital (leverage) ratio | 8.0263% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7134% | 2,198 |
| Memoranda: | ||
| Average total assets | $425,362,333 | 1,957 |
| Average earning assets | $396,088,667 | 1,956 |
| Average equity | $35,002,000 | 2,198 |
| Average total loans | $255,933,000 | 1,914 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 1,257 |
| Cost of funding earning assets | 0.2513% | 2,140 |
| Net interest margin | 3.4557% | 1,171 |
| Noninterest income to average assets | 0.8477% | 936 |
| Noninterest expense to average assets | 3.0661% | 727 |
| Loan and lease loss provision to assets | 0.0476% | 1,516 |
| Net operating income to assets | 0.9563% | 2,049 |
| Return on assets (ROA) | 0.9563% | 2,044 |
| Pretax return on assets | 0.9563% | 2,589 |
| Return on Equity (ROE) | 11.4498% | 1,477 |
| Retained earnings to average equity (ytd only) | 11.4498% | 698 |
| Net charge-offs to loans | 0.2027% | 303 |
| Credit loss provision to net charge-offs | 39.3701% | 1,232 |
| Earnings coverage of net charge-offs (x) | 8.2992% | 1,516 |
| Efficiency ratio | 75.3335% | 1,597 |
| Assets per employee ($millions) | 4.2405% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,355 |
| Loan loss allowance to noncurrent loans | 108.2224% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 775 |
| Noncurrent loans to loans | 1.2027% | 742 |
| Net loans and leases to total assets | 58.7231% | 2,212 |
| Net loans and leases to deposits | 65.2376% | 2,407 |
| Net loans and leases to core deposits | 70.0955% | 2,287 |
| Total domestic deposits to total assets | 90.0142% | 1,554 |
| Equity capital to assets | 8.3965% | 3,242 |
| Core capital (leverage) ratio | 8.3234% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8020% | 1,874 |
| Memoranda: | ||
| Average total assets | $419,951,500 | 1,983 |
| Average earning assets | $391,584,000 | 1,984 |
| Average equity | $35,075,000 | 2,251 |
| Average total loans | $250,670,000 | 1,932 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8169% | 349 |
| Cost of funding earning assets | 0.4180% | 1,410 |
| Net interest margin | 4.3989% | 335 |
| Noninterest income to average assets | 1.1032% | 852 |
| Noninterest expense to average assets | 3.4859% | 484 |
| Loan and lease loss provision to assets | 0.3637% | 197 |
| Net operating income to assets | 1.3286% | 1,523 |
| Return on assets (ROA) | 1.3286% | 1,560 |
| Pretax return on assets | 1.3286% | 2,271 |
| Return on Equity (ROE) | 14.7654% | 1,002 |
| Retained earnings to average equity (ytd only) | 6.5086% | 2,120 |
| Net charge-offs to loans | 0.3672% | 230 |
| Credit loss provision to net charge-offs | 156.9476% | 1,463 |
| Earnings coverage of net charge-offs (x) | 7.3030% | 2,349 |
| Efficiency ratio | 67.3191% | 2,076 |
| Assets per employee ($millions) | 4.3760% | 4,212 |
| Cash dividends to net income (ytd only)* | 55.9197% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 1,292 |
| Loan loss allowance to noncurrent loans | 99.0589% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.9698% | 583 |
| Noncurrent loans to loans | 1.6009% | 545 |
| Net loans and leases to total assets | 59.0909% | 2,260 |
| Net loans and leases to deposits | 66.4636% | 2,468 |
| Net loans and leases to core deposits | 70.9216% | 2,368 |
| Total domestic deposits to total assets | 88.9071% | 1,564 |
| Equity capital to assets | 8.3078% | 4,173 |
| Core capital (leverage) ratio | 8.2960% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,899,000 | 2,065 |
| Average earning assets | $350,996,400 | 2,078 |
| Average equity | $34,093,200 | 2,329 |
| Average total loans | $239,086,800 | 1,992 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 268 |
| Cost of funding earning assets | 0.4533% | 1,329 |
| Net interest margin | 4.6207% | 255 |
| Noninterest income to average assets | 1.0331% | 1,010 |
| Noninterest expense to average assets | 3.4367% | 507 |
| Loan and lease loss provision to assets | 0.4555% | 135 |
| Net operating income to assets | 1.4107% | 1,506 |
| Return on assets (ROA) | 1.4107% | 1,566 |
| Pretax return on assets | 1.4107% | 2,292 |
| Return on Equity (ROE) | 15.3428% | 1,077 |
| Retained earnings to average equity (ytd only) | 9.1860% | 1,623 |
| Net charge-offs to loans | 0.0051% | 2,147 |
| Credit loss provision to net charge-offs | 13,988.8889% | 55 |
| Earnings coverage of net charge-offs (x) | 573.2222% | 263 |
| Efficiency ratio | 64.8090% | 2,273 |
| Assets per employee ($millions) | 3.9859% | 4,460 |
| Cash dividends to net income (ytd only)* | 40.1282% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9713% | 671 |
| Loan loss allowance to noncurrent loans | 58.7362% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 2.0190% | 181 |
| Noncurrent loans to loans | 3.3562% | 175 |
| Net loans and leases to total assets | 58.6734% | 2,405 |
| Net loans and leases to deposits | 66.5065% | 2,584 |
| Net loans and leases to core deposits | 72.3532% | 2,400 |
| Total domestic deposits to total assets | 88.2221% | 1,707 |
| Equity capital to assets | 8.7380% | 4,042 |
| Core capital (leverage) ratio | 8.4801% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,599,500 | 2,131 |
| Average earning assets | $340,604,500 | 2,145 |
| Average equity | $33,891,250 | 2,368 |
| Average total loans | $235,798,750 | 2,055 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3083% | 215 |
| Cost of funding earning assets | 0.4955% | 1,227 |
| Net interest margin | 4.8128% | 219 |
| Noninterest income to average assets | 1.1241% | 896 |
| Noninterest expense to average assets | 3.4483% | 506 |
| Loan and lease loss provision to assets | 0.6628% | 63 |
| Net operating income to assets | 1.4443% | 1,431 |
| Return on assets (ROA) | 1.4443% | 1,500 |
| Pretax return on assets | 1.4443% | 2,195 |
| Return on Equity (ROE) | 15.4202% | 1,063 |
| Retained earnings to average equity (ytd only) | 9.1684% | 1,659 |
| Net charge-offs to loans | -0.0410% | 4,282 |
| Credit loss provision to net charge-offs | -2,466.6667% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0717% | 2,717 |
| Assets per employee ($millions) | 3.8852% | 4,505 |
| Cash dividends to net income (ytd only)* | 40.5426% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9421% | 678 |
| Loan loss allowance to noncurrent loans | 33.2117% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 3.7123% | 63 |
| Noncurrent loans to loans | 5.8477% | 62 |
| Net loans and leases to total assets | 62.1159% | 2,169 |
| Net loans and leases to deposits | 70.8558% | 2,323 |
| Net loans and leases to core deposits | 77.2646% | 2,112 |
| Total domestic deposits to total assets | 87.6652% | 2,005 |
| Equity capital to assets | 8.9300% | 3,857 |
| Core capital (leverage) ratio | 8.8671% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,274,000 | 2,175 |
| Average earning assets | $328,958,333 | 2,197 |
| Average equity | $33,462,667 | 2,383 |
| Average total loans | $234,080,000 | 2,067 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2743% | 244 |
| Cost of funding earning assets | 0.5440% | 1,145 |
| Net interest margin | 4.7303% | 261 |
| Noninterest income to average assets | 1.0640% | 1,031 |
| Noninterest expense to average assets | 3.3726% | 545 |
| Loan and lease loss provision to assets | 0.4075% | 187 |
| Net operating income to assets | 1.6368% | 1,043 |
| Return on assets (ROA) | 1.6368% | 1,097 |
| Pretax return on assets | 1.6368% | 1,630 |
| Return on Equity (ROE) | 17.0321% | 843 |
| Retained earnings to average equity (ytd only) | 15.8086% | 541 |
| Net charge-offs to loans | 0.0331% | 1,148 |
| Credit loss provision to net charge-offs | 1,842.1053% | 259 |
| Earnings coverage of net charge-offs (x) | 92.4211% | 643 |
| Efficiency ratio | 62.2609% | 2,713 |
| Assets per employee ($millions) | 4.0960% | 4,421 |
| Cash dividends to net income (ytd only)* | 7.1835% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 1,277 |
| Loan loss allowance to noncurrent loans | 41.7411% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.5270% | 158 |
| Noncurrent loans to loans | 3.8510% | 148 |
| Net loans and leases to total assets | 62.9128% | 2,179 |
| Net loans and leases to deposits | 72.0852% | 2,309 |
| Net loans and leases to core deposits | 78.8521% | 2,106 |
| Total domestic deposits to total assets | 87.2756% | 2,192 |
| Equity capital to assets | 9.1621% | 3,533 |
| Core capital (leverage) ratio | 9.3826% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $343,593,000 | 2,219 |
| Average earning assets | $316,173,500 | 2,243 |
| Average equity | $33,020,000 | 2,392 |
| Average total loans | $229,294,000 | 2,098 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 391 |
| Cost of funding earning assets | 0.9462% | 725 |
| Net interest margin | 4.1771% | 674 |
| Noninterest income to average assets | 1.1048% | 869 |
| Noninterest expense to average assets | 3.3423% | 854 |
| Loan and lease loss provision to assets | 0.1606% | 2,364 |
| Net operating income to assets | 1.4833% | 849 |
| Return on assets (ROA) | 1.4833% | 918 |
| Pretax return on assets | 1.4833% | 1,394 |
| Return on Equity (ROE) | 15.8201% | 523 |
| Retained earnings to average equity (ytd only) | 5.3962% | 2,097 |
| Net charge-offs to loans | 0.3245% | 547 |
| Credit loss provision to net charge-offs | 69.1218% | 3,052 |
| Earnings coverage of net charge-offs (x) | 7.0737% | 2,724 |
| Efficiency ratio | 67.0298% | 2,361 |
| Assets per employee ($millions) | 4.3076% | 4,110 |
| Cash dividends to net income (ytd only)* | 65.8899% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 1,328 |
| Loan loss allowance to noncurrent loans | 43.4082% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 2.6408% | 163 |
| Noncurrent loans to loans | 3.6607% | 176 |
| Net loans and leases to total assets | 68.9325% | 1,704 |
| Net loans and leases to deposits | 78.7269% | 2,005 |
| Net loans and leases to core deposits | 85.8728% | 1,879 |
| Total domestic deposits to total assets | 87.5591% | 1,678 |
| Equity capital to assets | 10.1414% | 2,990 |
| Core capital (leverage) ratio | 10.1428% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,775,600 | 2,278 |
| Average earning assets | $282,276,200 | 2,276 |
| Average equity | $28,482,800 | 2,572 |
| Average total loans | $217,533,800 | 2,121 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2921% | 347 |
| Cost of funding earning assets | 1.0407% | 661 |
| Net interest margin | 4.2514% | 651 |
| Noninterest income to average assets | 0.9923% | 1,030 |
| Noninterest expense to average assets | 3.3750% | 824 |
| Loan and lease loss provision to assets | 0.1737% | 2,248 |
| Net operating income to assets | 1.3962% | 1,111 |
| Return on assets (ROA) | 1.3962% | 1,210 |
| Pretax return on assets | 1.3962% | 1,754 |
| Return on Equity (ROE) | 15.2144% | 661 |
| Retained earnings to average equity (ytd only) | 7.6627% | 1,432 |
| Net charge-offs to loans | 0.2521% | 606 |
| Credit loss provision to net charge-offs | 95.6098% | 2,665 |
| Earnings coverage of net charge-offs (x) | 8.6463% | 2,482 |
| Efficiency ratio | 68.2547% | 2,150 |
| Assets per employee ($millions) | 4.2336% | 4,109 |
| Cash dividends to net income (ytd only)* | 49.6353% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7188% | 864 |
| Loan loss allowance to noncurrent loans | 58.9641% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 2.1610% | 283 |
| Noncurrent loans to loans | 2.9150% | 328 |
| Net loans and leases to total assets | 67.5304% | 2,309 |
| Net loans and leases to deposits | 77.3792% | 2,607 |
| Net loans and leases to core deposits | 85.8878% | 2,312 |
| Total domestic deposits to total assets | 87.2721% | 1,552 |
| Equity capital to assets | 10.2018% | 3,067 |
| Core capital (leverage) ratio | 10.3231% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,106,000 | 2,274 |
| Average earning assets | $279,934,750 | 2,274 |
| Average equity | $27,631,000 | 2,612 |
| Average total loans | $216,852,000 | 2,124 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5470% | 312 |
| Cost of funding earning assets | 1.1546% | 603 |
| Net interest margin | 4.3924% | 631 |
| Noninterest income to average assets | 1.1002% | 821 |
| Noninterest expense to average assets | 3.3530% | 921 |
| Loan and lease loss provision to assets | 0.2134% | 1,945 |
| Net operating income to assets | 1.6166% | 738 |
| Return on assets (ROA) | 1.6166% | 808 |
| Pretax return on assets | 1.6166% | 1,191 |
| Return on Equity (ROE) | 18.3369% | 340 |
| Retained earnings to average equity (ytd only) | 10.8219% | 633 |
| Net charge-offs to loans | 0.2365% | 666 |
| Credit loss provision to net charge-offs | 123.3463% | 2,262 |
| Earnings coverage of net charge-offs (x) | 10.5759% | 2,142 |
| Efficiency ratio | 64.6921% | 2,717 |
| Assets per employee ($millions) | 4.1830% | 4,119 |
| Cash dividends to net income (ytd only)* | 40.9829% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 777 |
| Loan loss allowance to noncurrent loans | 63.7099% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.9147% | 400 |
| Noncurrent loans to loans | 2.7083% | 399 |
| Net loans and leases to total assets | 67.6846% | 2,411 |
| Net loans and leases to deposits | 75.4191% | 2,928 |
| Net loans and leases to core deposits | 87.2776% | 2,323 |
| Total domestic deposits to total assets | 89.7446% | 477 |
| Equity capital to assets | 8.4250% | 4,516 |
| Core capital (leverage) ratio | 8.8386% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,045,667 | 2,273 |
| Average earning assets | $276,114,333 | 2,273 |
| Average equity | $26,187,667 | 2,703 |
| Average total loans | $217,381,333 | 2,105 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5420% | 340 |
| Cost of funding earning assets | 1.2710% | 616 |
| Net interest margin | 4.2710% | 806 |
| Noninterest income to average assets | 1.4668% | 420 |
| Noninterest expense to average assets | 3.6300% | 784 |
| Loan and lease loss provision to assets | 0.0698% | 2,870 |
| Net operating income to assets | 1.7250% | 484 |
| Return on assets (ROA) | 1.7250% | 535 |
| Pretax return on assets | 1.7250% | 825 |
| Return on Equity (ROE) | 19.0965% | 208 |
| Retained earnings to average equity (ytd only) | 18.1695% | 86 |
| Net charge-offs to loans | 0.1311% | 933 |
| Credit loss provision to net charge-offs | 70.4225% | 1,979 |
| Earnings coverage of net charge-offs (x) | 18.1127% | 1,476 |
| Efficiency ratio | 66.9154% | 2,834 |
| Assets per employee ($millions) | 3.6796% | 4,298 |
| Cash dividends to net income (ytd only)* | 4.8544% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 865 |
| Loan loss allowance to noncurrent loans | 47.1737% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 2.7500% | 232 |
| Noncurrent loans to loans | 3.6242% | 246 |
| Net loans and leases to total assets | 73.1178% | 1,763 |
| Net loans and leases to deposits | 82.1432% | 2,434 |
| Net loans and leases to core deposits | 96.5368% | 1,749 |
| Total domestic deposits to total assets | 89.0126% | 656 |
| Equity capital to assets | 9.1029% | 4,533 |
| Core capital (leverage) ratio | 9.0918% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,613,500 | 2,281 |
| Average earning assets | $265,608,000 | 2,283 |
| Average equity | $25,889,500 | 2,716 |
| Average total loans | $216,595,000 | 2,070 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8346% | 304 |
| Cost of funding earning assets | 1.4141% | 534 |
| Net interest margin | 4.4205% | 861 |
| Noninterest income to average assets | 0.9589% | 1,061 |
| Noninterest expense to average assets | 3.6750% | 784 |
| Loan and lease loss provision to assets | 0.2776% | 633 |
| Net operating income to assets | 1.0995% | 2,449 |
| Return on assets (ROA) | 1.0995% | 2,548 |
| Pretax return on assets | 1.0995% | 3,165 |
| Return on Equity (ROE) | 12.4737% | 1,336 |
| Retained earnings to average equity (ytd only) | 9.1692% | 672 |
| Net charge-offs to loans | 0.2377% | 863 |
| Credit loss provision to net charge-offs | 148.3622% | 1,728 |
| Earnings coverage of net charge-offs (x) | 7.3603% | 2,886 |
| Efficiency ratio | 72.7415% | 1,767 |
| Assets per employee ($millions) | 3.5765% | 4,396 |
| Cash dividends to net income (ytd only)* | 26.4918% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7138% | 772 |
| Loan loss allowance to noncurrent loans | 69.1207% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.9594% | 406 |
| Noncurrent loans to loans | 2.4794% | 440 |
| Net loans and leases to total assets | 75.4693% | 1,508 |
| Net loans and leases to deposits | 84.6061% | 2,262 |
| Net loans and leases to core deposits | 99.9766% | 1,565 |
| Total domestic deposits to total assets | 89.2008% | 595 |
| Equity capital to assets | 8.9609% | 4,707 |
| Core capital (leverage) ratio | 9.1949% | 4,364 |
| Tier 1 risk-based capital ratio | 12.2267% | 4,227 |
| Total risk-based capital ratio | 13.4837% | 4,097 |
| Memoranda: | ||
| Average total assets | $277,391,200 | 2,286 |
| Average earning assets | $256,848,200 | 2,293 |
| Average equity | $24,451,400 | 2,751 |
| Average total loans | $218,311,400 | 2,040 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8398% | 324 |
| Cost of funding earning assets | 1.4166% | 549 |
| Net interest margin | 4.4232% | 899 |
| Noninterest income to average assets | 0.9745% | 989 |
| Noninterest expense to average assets | 3.6628% | 788 |
| Loan and lease loss provision to assets | 0.1087% | 1,788 |
| Net operating income to assets | 1.2937% | 1,884 |
| Return on assets (ROA) | 1.2937% | 1,972 |
| Pretax return on assets | 1.2937% | 2,692 |
| Return on Equity (ROE) | 14.7388% | 837 |
| Retained earnings to average equity (ytd only) | 14.0126% | 206 |
| Net charge-offs to loans | 0.0707% | 1,813 |
| Credit loss provision to net charge-offs | 193.9655% | 1,350 |
| Earnings coverage of net charge-offs (x) | 25.0349% | 1,776 |
| Efficiency ratio | 72.3139% | 1,788 |
| Assets per employee ($millions) | 3.5591% | 4,443 |
| Cash dividends to net income (ytd only)* | 4.9273% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 927 |
| Loan loss allowance to noncurrent loans | 59.9263% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 2.2067% | 362 |
| Noncurrent loans to loans | 2.7337% | 393 |
| Net loans and leases to total assets | 77.3631% | 1,252 |
| Net loans and leases to deposits | 87.0480% | 2,054 |
| Net loans and leases to core deposits | 104.4754% | 1,300 |
| Total domestic deposits to total assets | 88.8741% | 659 |
| Equity capital to assets | 9.2269% | 4,648 |
| Core capital (leverage) ratio | 9.2437% | 4,438 |
| Tier 1 risk-based capital ratio | 12.2555% | 4,279 |
| Total risk-based capital ratio | 13.5110% | 4,156 |
| Memoranda: | ||
| Average total assets | $276,104,000 | 2,311 |
| Average earning assets | $255,344,750 | 2,314 |
| Average equity | $24,234,750 | 2,785 |
| Average total loans | $218,652,000 | 2,050 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7400% | 367 |
| Cost of funding earning assets | 1.4114% | 514 |
| Net interest margin | 4.3286% | 1,083 |
| Noninterest income to average assets | 0.9369% | 989 |
| Noninterest expense to average assets | 3.5929% | 854 |
| Loan and lease loss provision to assets | 0.1089% | 1,718 |
| Net operating income to assets | 1.2591% | 1,926 |
| Return on assets (ROA) | 1.2591% | 1,985 |
| Pretax return on assets | 1.2591% | 2,714 |
| Return on Equity (ROE) | 14.5954% | 852 |
| Retained earnings to average equity (ytd only) | 14.5954% | 192 |
| Net charge-offs to loans | 0.0613% | 1,768 |
| Credit loss provision to net charge-offs | 223.8806% | 1,119 |
| Earnings coverage of net charge-offs (x) | 28.1343% | 1,519 |
| Efficiency ratio | 72.4254% | 1,860 |
| Assets per employee ($millions) | 3.4843% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 927 |
| Loan loss allowance to noncurrent loans | 59.0879% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 2.2135% | 380 |
| Noncurrent loans to loans | 2.7905% | 382 |
| Net loans and leases to total assets | 75.9656% | 1,552 |
| Net loans and leases to deposits | 85.0197% | 2,363 |
| Net loans and leases to core deposits | 102.3590% | 1,522 |
| Total domestic deposits to total assets | 89.3505% | 524 |
| Equity capital to assets | 8.8938% | 4,856 |
| Core capital (leverage) ratio | 8.8811% | 4,729 |
| Tier 1 risk-based capital ratio | 12.0354% | 4,393 |
| Total risk-based capital ratio | 13.2913% | 4,278 |
| Memoranda: | ||
| Average total assets | $275,601,000 | 2,322 |
| Average earning assets | $256,200,330 | 2,320 |
| Average equity | $23,774,670 | 2,820 |
| Average total loans | $218,753,670 | 2,053 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7765% | 328 |
| Cost of funding earning assets | 1.3821% | 489 |
| Net interest margin | 4.3944% | 921 |
| Noninterest income to average assets | 0.6656% | 1,748 |
| Noninterest expense to average assets | 3.7281% | 721 |
| Loan and lease loss provision to assets | 0.1095% | 1,628 |
| Net operating income to assets | 0.9123% | 3,191 |
| Return on assets (ROA) | 0.9123% | 3,230 |
| Pretax return on assets | 0.9123% | 3,724 |
| Return on Equity (ROE) | 10.7451% | 2,055 |
| Retained earnings to average equity (ytd only) | 10.7451% | 864 |
| Net charge-offs to loans | 0.0671% | 1,382 |
| Credit loss provision to net charge-offs | 202.7027% | 1,044 |
| Earnings coverage of net charge-offs (x) | 18.9189% | 1,609 |
| Efficiency ratio | 78.4880% | 1,215 |
| Assets per employee ($millions) | 3.3853% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 1,057 |
| Loan loss allowance to noncurrent loans | 65.1245% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.9875% | 498 |
| Noncurrent loans to loans | 2.4571% | 540 |
| Net loans and leases to total assets | 77.6444% | 1,215 |
| Net loans and leases to deposits | 86.5578% | 2,061 |
| Net loans and leases to core deposits | 104.2431% | 1,301 |
| Total domestic deposits to total assets | 89.7025% | 560 |
| Equity capital to assets | 8.5057% | 4,986 |
| Core capital (leverage) ratio | 8.5680% | 4,969 |
| Tier 1 risk-based capital ratio | 11.3447% | 4,811 |
| Total risk-based capital ratio | 12.6000% | 4,716 |
| Memoranda: | ||
| Average total assets | $274,028,500 | 2,349 |
| Average earning assets | $254,686,500 | 2,349 |
| Average equity | $23,266,500 | 2,859 |
| Average total loans | $220,480,000 | 2,063 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9104% | 193 |
| Cost of funding earning assets | 1.0288% | 668 |
| Net interest margin | 4.8816% | 332 |
| Noninterest income to average assets | 1.2278% | 616 |
| Noninterest expense to average assets | 3.8307% | 658 |
| Loan and lease loss provision to assets | 0.0559% | 3,049 |
| Net operating income to assets | 1.8695% | 480 |
| Return on assets (ROA) | 1.8695% | 477 |
| Pretax return on assets | 1.8695% | 771 |
| Return on Equity (ROE) | 20.7936% | 215 |
| Retained earnings to average equity (ytd only) | 7.1785% | 1,587 |
| Net charge-offs to loans | 0.0555% | 2,347 |
| Credit loss provision to net charge-offs | 122.9508% | 2,128 |
| Earnings coverage of net charge-offs (x) | 42.3525% | 1,261 |
| Efficiency ratio | 66.5501% | 2,776 |
| Assets per employee ($millions) | 3.4455% | 4,614 |
| Cash dividends to net income (ytd only)* | 65.4774% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,233 |
| Loan loss allowance to noncurrent loans | 81.9610% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.3123% | 969 |
| Noncurrent loans to loans | 1.5412% | 976 |
| Net loans and leases to total assets | 80.8918% | 817 |
| Net loans and leases to deposits | 90.6887% | 1,714 |
| Net loans and leases to core deposits | 109.9699% | 1,006 |
| Total domestic deposits to total assets | 89.1972% | 776 |
| Equity capital to assets | 9.0574% | 4,533 |
| Core capital (leverage) ratio | 8.9967% | 4,660 |
| Tier 1 risk-based capital ratio | 11.6755% | 4,637 |
| Total risk-based capital ratio | 12.9266% | 4,519 |
| Memoranda: | ||
| Average total assets | $268,355,800 | 2,348 |
| Average earning assets | $248,934,000 | 2,345 |
| Average equity | $24,127,600 | 2,716 |
| Average total loans | $219,935,000 | 2,026 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8654% | 189 |
| Cost of funding earning assets | 0.9299% | 805 |
| Net interest margin | 4.9355% | 294 |
| Noninterest income to average assets | 1.2381% | 627 |
| Noninterest expense to average assets | 3.7920% | 678 |
| Loan and lease loss provision to assets | 0.0748% | 2,459 |
| Net operating income to assets | 1.9471% | 437 |
| Return on assets (ROA) | 1.9471% | 432 |
| Pretax return on assets | 1.9471% | 730 |
| Return on Equity (ROE) | 21.6975% | 180 |
| Retained earnings to average equity (ytd only) | 8.8957% | 1,260 |
| Net charge-offs to loans | 0.0700% | 1,835 |
| Credit loss provision to net charge-offs | 130.4348% | 1,888 |
| Earnings coverage of net charge-offs (x) | 35.2607% | 1,457 |
| Efficiency ratio | 65.2230% | 3,001 |
| Assets per employee ($millions) | 3.4112% | 4,669 |
| Cash dividends to net income (ytd only)* | 59.0012% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,322 |
| Loan loss allowance to noncurrent loans | 99.8233% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.0999% | 1,307 |
| Noncurrent loans to loans | 1.2596% | 1,340 |
| Net loans and leases to total assets | 82.2946% | 663 |
| Net loans and leases to deposits | 92.5576% | 1,557 |
| Net loans and leases to core deposits | 113.3163% | 852 |
| Total domestic deposits to total assets | 88.9117% | 872 |
| Equity capital to assets | 9.0808% | 4,477 |
| Core capital (leverage) ratio | 8.8481% | 4,849 |
| Tier 1 risk-based capital ratio | 11.4859% | 4,793 |
| Total risk-based capital ratio | 12.7367% | 4,683 |
| Memoranda: | ||
| Average total assets | $267,395,500 | 2,363 |
| Average earning assets | $247,910,000 | 2,364 |
| Average equity | $23,996,000 | 2,737 |
| Average total loans | $219,168,250 | 2,039 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7917% | 205 |
| Cost of funding earning assets | 0.8872% | 768 |
| Net interest margin | 4.9045% | 298 |
| Noninterest income to average assets | 1.4503% | 452 |
| Noninterest expense to average assets | 3.8155% | 658 |
| Loan and lease loss provision to assets | 0.1125% | 1,759 |
| Net operating income to assets | 2.0697% | 324 |
| Return on assets (ROA) | 2.0697% | 321 |
| Pretax return on assets | 2.0697% | 513 |
| Return on Equity (ROE) | 23.1566% | 123 |
| Retained earnings to average equity (ytd only) | 9.3549% | 1,105 |
| Net charge-offs to loans | 0.0478% | 1,928 |
| Credit loss provision to net charge-offs | 288.4615% | 1,031 |
| Earnings coverage of net charge-offs (x) | 55.9615% | 1,046 |
| Efficiency ratio | 63.6159% | 3,371 |
| Assets per employee ($millions) | 3.5569% | 4,524 |
| Cash dividends to net income (ytd only)* | 59.6014% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,078 |
| Loan loss allowance to noncurrent loans | 106.8863% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0380% | 1,445 |
| Noncurrent loans to loans | 1.2343% | 1,404 |
| Net loans and leases to total assets | 79.8797% | 1,041 |
| Net loans and leases to deposits | 89.4963% | 1,912 |
| Net loans and leases to core deposits | 107.3145% | 1,162 |
| Total domestic deposits to total assets | 89.2547% | 830 |
| Equity capital to assets | 8.8782% | 4,663 |
| Core capital (leverage) ratio | 8.8836% | 4,806 |
| Tier 1 risk-based capital ratio | 11.5090% | 4,781 |
| Total risk-based capital ratio | 12.7605% | 4,679 |
| Memoranda: | ||
| Average total assets | $266,700,000 | 2,370 |
| Average earning assets | $247,284,330 | 2,379 |
| Average equity | $23,837,670 | 2,767 |
| Average total loans | $217,360,000 | 2,058 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7729% | 190 |
| Cost of funding earning assets | 0.8066% | 921 |
| Net interest margin | 4.9663% | 243 |
| Noninterest income to average assets | 1.5735% | 393 |
| Noninterest expense to average assets | 3.7178% | 740 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.4675% | 154 |
| Return on assets (ROA) | 2.4675% | 157 |
| Pretax return on assets | 2.4675% | 229 |
| Return on Equity (ROE) | 27.5125% | 62 |
| Retained earnings to average equity (ytd only) | 27.5125% | 30 |
| Net charge-offs to loans | 0.0055% | 2,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 544.6667% | 118 |
| Efficiency ratio | 60.1074% | 4,050 |
| Assets per employee ($millions) | 3.5375% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 2,462 |
| Loan loss allowance to noncurrent loans | 130.1869% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8264% | 1,913 |
| Noncurrent loans to loans | 0.9675% | 1,884 |
| Net loans and leases to total assets | 80.1855% | 909 |
| Net loans and leases to deposits | 89.9845% | 1,693 |
| Net loans and leases to core deposits | 108.3704% | 1,097 |
| Total domestic deposits to total assets | 89.1103% | 1,050 |
| Equity capital to assets | 9.0137% | 4,539 |
| Core capital (leverage) ratio | 9.3935% | 4,199 |
| Tier 1 risk-based capital ratio | 11.7270% | 4,728 |
| Total risk-based capital ratio | 12.9777% | 4,610 |
| Memoranda: | ||
| Average total assets | $264,888,000 | 2,404 |
| Average earning assets | $245,976,500 | 2,412 |
| Average equity | $23,756,500 | 2,794 |
| Average total loans | $216,629,500 | 2,066 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6532% | 209 |
| Cost of funding earning assets | 0.6871% | 1,093 |
| Net interest margin | 4.9661% | 245 |
| Noninterest income to average assets | 1.3596% | 568 |
| Noninterest expense to average assets | 3.8511% | 654 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.0382% | 259 |
| Return on assets (ROA) | 2.0382% | 266 |
| Pretax return on assets | 2.0382% | 448 |
| Return on Equity (ROE) | 22.2888% | 120 |
| Retained earnings to average equity (ytd only) | 9.3305% | 453 |
| Net charge-offs to loans | 0.0514% | 2,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 49.4554% | 1,094 |
| Efficiency ratio | 65.3918% | 3,365 |
| Assets per employee ($millions) | 3.3867% | 4,840 |
| Cash dividends to net income (ytd only)* | 58.1381% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,145 |
| Loan loss allowance to noncurrent loans | 133.9577% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8291% | 1,881 |
| Noncurrent loans to loans | 0.9818% | 1,804 |
| Net loans and leases to total assets | 81.3046% | 781 |
| Net loans and leases to deposits | 91.6821% | 1,572 |
| Net loans and leases to core deposits | 111.9762% | 901 |
| Total domestic deposits to total assets | 88.6810% | 1,159 |
| Equity capital to assets | 8.9207% | 4,799 |
| Core capital (leverage) ratio | 9.1230% | 4,497 |
| Tier 1 risk-based capital ratio | 11.4287% | 4,897 |
| Total risk-based capital ratio | 12.6804% | 4,778 |
| Memoranda: | ||
| Average total assets | $245,072,200 | 2,527 |
| Average earning assets | $223,535,800 | 2,559 |
| Average equity | $22,410,400 | 2,910 |
| Average total loans | $196,505,400 | 2,185 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6213% | 213 |
| Cost of funding earning assets | 0.6695% | 1,125 |
| Net interest margin | 4.9518% | 249 |
| Noninterest income to average assets | 1.4557% | 507 |
| Noninterest expense to average assets | 3.7460% | 725 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.2088% | 211 |
| Return on assets (ROA) | 2.2088% | 214 |
| Pretax return on assets | 2.2088% | 354 |
| Return on Equity (ROE) | 23.9988% | 88 |
| Retained earnings to average equity (ytd only) | 14.3071% | 143 |
| Net charge-offs to loans | 0.0699% | 2,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 39.6940% | 1,307 |
| Efficiency ratio | 62.9071% | 3,731 |
| Assets per employee ($millions) | 3.3564% | 4,906 |
| Cash dividends to net income (ytd only)* | 40.3841% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 1,985 |
| Loan loss allowance to noncurrent loans | 122.3246% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 1,817 |
| Noncurrent loans to loans | 1.1267% | 1,709 |
| Net loans and leases to total assets | 80.3530% | 936 |
| Net loans and leases to deposits | 90.9019% | 1,700 |
| Net loans and leases to core deposits | 108.4676% | 1,122 |
| Total domestic deposits to total assets | 88.3953% | 1,174 |
| Equity capital to assets | 9.3734% | 4,572 |
| Core capital (leverage) ratio | 9.6358% | 4,000 |
| Tier 1 risk-based capital ratio | 12.0399% | 4,579 |
| Total risk-based capital ratio | 13.2920% | 4,476 |
| Memoranda: | ||
| Average total assets | $241,992,750 | 2,566 |
| Average earning assets | $219,873,000 | 2,602 |
| Average equity | $22,272,750 | 2,948 |
| Average total loans | $192,617,000 | 2,237 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6295% | 202 |
| Cost of funding earning assets | 0.6526% | 1,127 |
| Net interest margin | 4.9769% | 227 |
| Noninterest income to average assets | 1.7318% | 390 |
| Noninterest expense to average assets | 3.6204% | 845 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.6131% | 115 |
| Return on assets (ROA) | 2.6131% | 113 |
| Pretax return on assets | 2.6131% | 177 |
| Return on Equity (ROE) | 28.5732% | 42 |
| Retained earnings to average equity (ytd only) | 17.7693% | 80 |
| Net charge-offs to loans | 0.1088% | 1,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 30.4272% | 1,452 |
| Efficiency ratio | 58.0792% | 4,580 |
| Assets per employee ($millions) | 3.3538% | 4,917 |
| Cash dividends to net income (ytd only)* | 37.8111% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,787 |
| Loan loss allowance to noncurrent loans | 125.3711% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 1,842 |
| Noncurrent loans to loans | 1.1466% | 1,706 |
| Net loans and leases to total assets | 79.1338% | 1,074 |
| Net loans and leases to deposits | 89.6412% | 1,785 |
| Net loans and leases to core deposits | 101.7757% | 1,528 |
| Total domestic deposits to total assets | 88.2784% | 1,316 |
| Equity capital to assets | 9.4589% | 4,443 |
| Core capital (leverage) ratio | 9.5012% | 4,128 |
| Tier 1 risk-based capital ratio | 12.2568% | 4,456 |
| Total risk-based capital ratio | 13.5099% | 4,338 |
| Memoranda: | ||
| Average total assets | $239,865,670 | 2,593 |
| Average earning assets | $216,963,670 | 2,643 |
| Average equity | $21,936,670 | 2,979 |
| Average total loans | $189,367,670 | 2,265 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4949% | 226 |
| Cost of funding earning assets | 0.6723% | 971 |
| Net interest margin | 4.8226% | 303 |
| Noninterest income to average assets | 1.1378% | 778 |
| Noninterest expense to average assets | 3.4535% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.0530% | 280 |
| Return on assets (ROA) | 2.0530% | 288 |
| Pretax return on assets | 2.0530% | 459 |
| Return on Equity (ROE) | 22.8444% | 127 |
| Retained earnings to average equity (ytd only) | 22.8444% | 66 |
| Net charge-offs to loans | 0.0107% | 2,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 245.4000% | 237 |
| Efficiency ratio | 62.7165% | 4,037 |
| Assets per employee ($millions) | 3.5179% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 1,611 |
| Loan loss allowance to noncurrent loans | 58.9377% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 2.0570% | 637 |
| Noncurrent loans to loans | 2.5859% | 590 |
| Net loans and leases to total assets | 76.7952% | 1,291 |
| Net loans and leases to deposits | 86.7199% | 1,949 |
| Net loans and leases to core deposits | 98.8362% | 1,597 |
| Total domestic deposits to total assets | 88.5554% | 1,394 |
| Equity capital to assets | 9.1079% | 4,704 |
| Core capital (leverage) ratio | 9.2902% | 4,360 |
| Tier 1 risk-based capital ratio | 12.1549% | 4,619 |
| Total risk-based capital ratio | 13.4086% | 4,509 |
| Memoranda: | ||
| Average total assets | $239,060,000 | 2,627 |
| Average earning assets | $216,563,000 | 2,672 |
| Average equity | $21,484,500 | 3,035 |
| Average total loans | $187,113,000 | 2,299 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4322% | 272 |
| Cost of funding earning assets | 0.5652% | 1,564 |
| Net interest margin | 4.8671% | 308 |
| Noninterest income to average assets | 1.2770% | 696 |
| Noninterest expense to average assets | 3.9761% | 623 |
| Loan and lease loss provision to assets | 0.0554% | 3,273 |
| Net operating income to assets | 1.6802% | 574 |
| Return on assets (ROA) | 1.6802% | 601 |
| Pretax return on assets | 1.6802% | 1,053 |
| Return on Equity (ROE) | 18.3604% | 303 |
| Retained earnings to average equity (ytd only) | 7.0960% | 1,190 |
| Net charge-offs to loans | 0.0828% | 2,504 |
| Credit loss provision to net charge-offs | 87.4126% | 2,850 |
| Earnings coverage of net charge-offs (x) | 27.3636% | 1,515 |
| Efficiency ratio | 69.6125% | 2,977 |
| Assets per employee ($millions) | 3.4114% | 4,885 |
| Cash dividends to net income (ytd only)* | 61.3516% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 1,459 |
| Loan loss allowance to noncurrent loans | 202.5228% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6530% | 2,771 |
| Noncurrent loans to loans | 0.7716% | 2,596 |
| Net loans and leases to total assets | 77.3381% | 1,305 |
| Net loans and leases to deposits | 86.9094% | 2,063 |
| Net loans and leases to core deposits | 99.3430% | 1,681 |
| Total domestic deposits to total assets | 88.9870% | 1,129 |
| Equity capital to assets | 8.8625% | 4,953 |
| Core capital (leverage) ratio | 9.2083% | 4,467 |
| Tier 1 risk-based capital ratio | 11.7607% | 4,887 |
| Total risk-based capital ratio | 13.0157% | 4,787 |
| Memoranda: | ||
| Average total assets | $225,445,200 | 2,708 |
| Average earning assets | $205,421,600 | 2,735 |
| Average equity | $20,631,400 | 3,104 |
| Average total loans | $172,746,200 | 2,389 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3916% | 299 |
| Cost of funding earning assets | 0.5447% | 1,750 |
| Net interest margin | 4.8469% | 332 |
| Noninterest income to average assets | 1.3557% | 638 |
| Noninterest expense to average assets | 3.8649% | 702 |
| Loan and lease loss provision to assets | 0.0449% | 3,343 |
| Net operating income to assets | 1.8676% | 432 |
| Return on assets (ROA) | 1.8676% | 450 |
| Pretax return on assets | 1.8676% | 764 |
| Return on Equity (ROE) | 20.2387% | 227 |
| Retained earnings to average equity (ytd only) | 10.2522% | 525 |
| Net charge-offs to loans | 0.0990% | 1,959 |
| Credit loss provision to net charge-offs | 59.5238% | 2,916 |
| Earnings coverage of net charge-offs (x) | 25.3803% | 1,636 |
| Efficiency ratio | 66.8978% | 3,443 |
| Assets per employee ($millions) | 3.1180% | 5,271 |
| Cash dividends to net income (ytd only)* | 49.3436% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 1,491 |
| Loan loss allowance to noncurrent loans | 1,605.0562% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 4,855 |
| Noncurrent loans to loans | 0.0993% | 4,944 |
| Net loans and leases to total assets | 78.5705% | 1,105 |
| Net loans and leases to deposits | 89.0341% | 1,881 |
| Net loans and leases to core deposits | 97.6310% | 1,850 |
| Total domestic deposits to total assets | 88.2476% | 1,266 |
| Equity capital to assets | 9.3755% | 4,785 |
| Core capital (leverage) ratio | 9.2997% | 4,460 |
| Tier 1 risk-based capital ratio | 12.3702% | 4,559 |
| Total risk-based capital ratio | 13.6251% | 4,457 |
| Memoranda: | ||
| Average total assets | $222,960,000 | 2,740 |
| Average earning assets | $203,396,250 | 2,766 |
| Average equity | $20,574,000 | 3,136 |
| Average total loans | $169,699,500 | 2,421 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2764% | 375 |
| Cost of funding earning assets | 0.5303% | 1,870 |
| Net interest margin | 4.7461% | 399 |
| Noninterest income to average assets | 1.1526% | 843 |
| Noninterest expense to average assets | 3.5532% | 1,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9285% | 378 |
| Return on assets (ROA) | 1.9285% | 396 |
| Pretax return on assets | 1.9285% | 659 |
| Return on Equity (ROE) | 21.0129% | 193 |
| Retained earnings to average equity (ytd only) | 19.7198% | 61 |
| Net charge-offs to loans | 0.0420% | 2,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 61.2857% | 860 |
| Efficiency ratio | 64.8188% | 3,875 |
| Assets per employee ($millions) | 3.2480% | 5,139 |
| Cash dividends to net income (ytd only)* | 6.1538% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 1,335 |
| Loan loss allowance to noncurrent loans | 285.0198% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6738% | 2,982 |
| Noncurrent loans to loans | 0.5869% | 3,308 |
| Net loans and leases to total assets | 75.3482% | 1,585 |
| Net loans and leases to deposits | 85.9788% | 2,257 |
| Net loans and leases to core deposits | 94.2159% | 2,144 |
| Total domestic deposits to total assets | 87.6357% | 1,611 |
| Equity capital to assets | 9.5889% | 4,686 |
| Core capital (leverage) ratio | 9.5027% | 4,207 |
| Tier 1 risk-based capital ratio | 13.1137% | 4,127 |
| Total risk-based capital ratio | 14.3698% | 4,050 |
| Memoranda: | ||
| Average total assets | $222,447,000 | 2,755 |
| Average earning assets | $202,904,670 | 2,778 |
| Average equity | $20,416,000 | 3,150 |
| Average total loans | $166,517,000 | 2,455 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1775% | 430 |
| Cost of funding earning assets | 0.5183% | 1,956 |
| Net interest margin | 4.6591% | 449 |
| Noninterest income to average assets | 0.7364% | 1,875 |
| Noninterest expense to average assets | 3.4348% | 1,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5360% | 796 |
| Return on assets (ROA) | 1.5360% | 839 |
| Pretax return on assets | 1.5360% | 1,484 |
| Return on Equity (ROE) | 17.1236% | 423 |
| Retained earnings to average equity (ytd only) | 17.1236% | 146 |
| Net charge-offs to loans | -0.0635% | 5,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0995% | 3,283 |
| Assets per employee ($millions) | 3.3933% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 1,180 |
| Loan loss allowance to noncurrent loans | 280.7656% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 2,959 |
| Noncurrent loans to loans | 0.6359% | 3,264 |
| Net loans and leases to total assets | 70.9922% | 2,195 |
| Net loans and leases to deposits | 80.0662% | 2,782 |
| Net loans and leases to core deposits | 88.3021% | 2,536 |
| Total domestic deposits to total assets | 88.6670% | 1,259 |
| Equity capital to assets | 8.9332% | 5,239 |
| Core capital (leverage) ratio | 8.9730% | 4,890 |
| Tier 1 risk-based capital ratio | 12.8232% | 4,380 |
| Total risk-based capital ratio | 14.0804% | 4,286 |
| Memoranda: | ||
| Average total assets | $221,614,000 | 2,767 |
| Average earning assets | $201,410,500 | 2,805 |
| Average equity | $19,879,000 | 3,214 |
| Average total loans | $163,906,500 | 2,480 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1111% | 505 |
| Cost of funding earning assets | 0.5225% | 1,975 |
| Net interest margin | 4.5886% | 558 |
| Noninterest income to average assets | 1.2394% | 779 |
| Noninterest expense to average assets | 4.1473% | 571 |
| Loan and lease loss provision to assets | 0.1098% | 2,162 |
| Net operating income to assets | 1.1434% | 1,752 |
| Return on assets (ROA) | 1.1434% | 1,820 |
| Pretax return on assets | 1.1434% | 2,871 |
| Return on Equity (ROE) | 12.7594% | 1,108 |
| Retained earnings to average equity (ytd only) | 4.7210% | 2,627 |
| Net charge-offs to loans | -0.2844% | 6,008 |
| Credit loss provision to net charge-offs | -53.8117% | 5,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7954% | 2,152 |
| Assets per employee ($millions) | 3.3214% | 5,118 |
| Cash dividends to net income (ytd only)* | 63.0000% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7789% | 1,172 |
| Loan loss allowance to noncurrent loans | 451.5528% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 3,348 |
| Noncurrent loans to loans | 0.3939% | 4,044 |
| Net loans and leases to total assets | 74.3739% | 1,664 |
| Net loans and leases to deposits | 84.0780% | 2,351 |
| Net loans and leases to core deposits | 94.2538% | 2,031 |
| Total domestic deposits to total assets | 88.4582% | 1,401 |
| Equity capital to assets | 9.0702% | 5,053 |
| Core capital (leverage) ratio | 9.4165% | 4,294 |
| Tier 1 risk-based capital ratio | 11.4933% | 5,259 |
| Total risk-based capital ratio | 12.7490% | 5,157 |
| Memoranda: | ||
| Average total assets | $218,649,000 | 2,757 |
| Average earning assets | $198,273,400 | 2,798 |
| Average equity | $19,593,400 | 3,214 |
| Average total loans | $156,797,200 | 2,507 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9960% | 626 |
| Cost of funding earning assets | 0.5244% | 2,004 |
| Net interest margin | 4.4716% | 695 |
| Noninterest income to average assets | 0.9963% | 1,193 |
| Noninterest expense to average assets | 3.7767% | 879 |
| Loan and lease loss provision to assets | 0.1094% | 2,057 |
| Net operating income to assets | 1.1689% | 1,758 |
| Return on assets (ROA) | 1.1689% | 1,830 |
| Pretax return on assets | 1.1689% | 2,934 |
| Return on Equity (ROE) | 13.0838% | 1,102 |
| Retained earnings to average equity (ytd only) | 11.5189% | 414 |
| Net charge-offs to loans | 0.0851% | 2,327 |
| Credit loss provision to net charge-offs | 181.8182% | 1,455 |
| Earnings coverage of net charge-offs (x) | 21.2419% | 1,832 |
| Efficiency ratio | 74.7114% | 2,441 |
| Assets per employee ($millions) | 3.3070% | 5,113 |
| Cash dividends to net income (ytd only)* | 11.9605% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 2,439 |
| Loan loss allowance to noncurrent loans | 299.4798% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 3,090 |
| Noncurrent loans to loans | 0.4786% | 3,924 |
| Net loans and leases to total assets | 72.5683% | 1,971 |
| Net loans and leases to deposits | 82.2642% | 2,613 |
| Net loans and leases to core deposits | 92.1032% | 2,250 |
| Total domestic deposits to total assets | 88.2137% | 1,446 |
| Equity capital to assets | 9.3314% | 4,968 |
| Core capital (leverage) ratio | 9.7376% | 3,985 |
| Tier 1 risk-based capital ratio | 12.0143% | 5,080 |
| Total risk-based capital ratio | 13.2655% | 4,989 |
| Memoranda: | ||
| Average total assets | $219,338,000 | 2,777 |
| Average earning assets | $199,086,250 | 2,810 |
| Average equity | $19,596,250 | 3,242 |
| Average total loans | $155,127,500 | 2,544 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 730 |
| Cost of funding earning assets | 0.5331% | 1,958 |
| Net interest margin | 4.3654% | 814 |
| Noninterest income to average assets | 0.9868% | 1,208 |
| Noninterest expense to average assets | 3.6896% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2554% | 1,445 |
| Return on assets (ROA) | 1.2554% | 1,501 |
| Pretax return on assets | 1.2554% | 2,525 |
| Return on Equity (ROE) | 14.2611% | 852 |
| Retained earnings to average equity (ytd only) | 11.8825% | 404 |
| Net charge-offs to loans | -0.0535% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6134% | 2,592 |
| Assets per employee ($millions) | 3.4780% | 4,846 |
| Cash dividends to net income (ytd only)* | 16.6788% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 2,548 |
| Loan loss allowance to noncurrent loans | 238.2105% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.8092% | 2,955 |
| Noncurrent loans to loans | 0.6057% | 3,652 |
| Net loans and leases to total assets | 70.5456% | 2,236 |
| Net loans and leases to deposits | 79.3169% | 2,868 |
| Net loans and leases to core deposits | 88.4206% | 2,514 |
| Total domestic deposits to total assets | 88.9414% | 1,168 |
| Equity capital to assets | 9.0464% | 5,192 |
| Core capital (leverage) ratio | 9.3451% | 4,492 |
| Tier 1 risk-based capital ratio | 11.9096% | 5,211 |
| Total risk-based capital ratio | 13.1612% | 5,113 |
| Memoranda: | ||
| Average total assets | $219,696,670 | 2,791 |
| Average earning assets | $199,203,000 | 2,828 |
| Average equity | $19,339,330 | 3,284 |
| Average total loans | $153,272,670 | 2,577 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 900 |
| Cost of funding earning assets | 0.5394% | 1,929 |
| Net interest margin | 4.2359% | 1,002 |
| Noninterest income to average assets | 1.0201% | 1,074 |
| Noninterest expense to average assets | 3.3420% | 1,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5474% | 777 |
| Return on assets (ROA) | 1.5474% | 821 |
| Pretax return on assets | 1.5474% | 1,404 |
| Return on Equity (ROE) | 17.8239% | 401 |
| Retained earnings to average equity (ytd only) | 17.8239% | 149 |
| Net charge-offs to loans | 0.0422% | 2,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 53.1875% | 800 |
| Efficiency ratio | 68.3525% | 3,765 |
| Assets per employee ($millions) | 3.5451% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 2,585 |
| Loan loss allowance to noncurrent loans | 200.1815% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 3,156 |
| Noncurrent loans to loans | 0.7337% | 3,430 |
| Net loans and leases to total assets | 66.2652% | 2,732 |
| Net loans and leases to deposits | 74.2810% | 3,269 |
| Net loans and leases to core deposits | 83.0799% | 2,857 |
| Total domestic deposits to total assets | 89.2088% | 1,137 |
| Equity capital to assets | 8.7423% | 5,548 |
| Core capital (leverage) ratio | 8.7488% | 5,262 |
| Tier 1 risk-based capital ratio | 11.6530% | 5,466 |
| Total risk-based capital ratio | 12.8987% | 5,375 |
| Memoranda: | ||
| Average total assets | $219,987,500 | 2,807 |
| Average earning assets | $200,947,500 | 2,824 |
| Average equity | $19,098,000 | 3,328 |
| Average total loans | $151,489,500 | 2,604 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1424% | 580 |
| Cost of funding earning assets | 0.5084% | 2,584 |
| Net interest margin | 4.6341% | 582 |
| Noninterest income to average assets | 1.5515% | 517 |
| Noninterest expense to average assets | 3.6662% | 1,200 |
| Loan and lease loss provision to assets | 0.0582% | 3,376 |
| Net operating income to assets | 2.0273% | 312 |
| Return on assets (ROA) | 2.0273% | 320 |
| Pretax return on assets | 2.0273% | 488 |
| Return on Equity (ROE) | 22.6460% | 159 |
| Retained earnings to average equity (ytd only) | 5.4123% | 2,322 |
| Net charge-offs to loans | 0.5405% | 750 |
| Credit loss provision to net charge-offs | 15.0376% | 4,039 |
| Earnings coverage of net charge-offs (x) | 5.3885% | 3,431 |
| Efficiency ratio | 63.7406% | 4,624 |
| Assets per employee ($millions) | 3.3849% | 5,098 |
| Cash dividends to net income (ytd only)* | 76.1005% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 2,674 |
| Loan loss allowance to noncurrent loans | 215.9378% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 3,279 |
| Noncurrent loans to loans | 0.6735% | 3,663 |
| Net loans and leases to total assets | 69.4968% | 2,313 |
| Net loans and leases to deposits | 77.8042% | 2,994 |
| Net loans and leases to core deposits | 87.6936% | 2,532 |
| Total domestic deposits to total assets | 89.3226% | 1,058 |
| Equity capital to assets | 8.6186% | 5,633 |
| Core capital (leverage) ratio | 8.8321% | 5,210 |
| Tier 1 risk-based capital ratio | 12.8817% | 4,805 |
| Total risk-based capital ratio | 14.1346% | 4,718 |
| Memoranda: | ||
| Average total assets | $206,181,200 | 2,922 |
| Average earning assets | $186,877,000 | 2,950 |
| Average equity | $18,458,000 | 3,349 |
| Average total loans | $147,631,000 | 2,605 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1633% | 563 |
| Cost of funding earning assets | 0.5013% | 2,743 |
| Net interest margin | 4.6621% | 544 |
| Noninterest income to average assets | 1.5090% | 549 |
| Noninterest expense to average assets | 3.6665% | 1,178 |
| Loan and lease loss provision to assets | 0.0504% | 3,364 |
| Net operating income to assets | 2.0075% | 342 |
| Return on assets (ROA) | 2.0075% | 354 |
| Pretax return on assets | 2.0075% | 555 |
| Return on Equity (ROE) | 22.2038% | 179 |
| Retained earnings to average equity (ytd only) | 6.3098% | 2,210 |
| Net charge-offs to loans | 0.7261% | 474 |
| Credit loss provision to net charge-offs | 9.6612% | 3,709 |
| Earnings coverage of net charge-offs (x) | 3.9423% | 3,565 |
| Efficiency ratio | 64.0503% | 4,532 |
| Assets per employee ($millions) | 3.4086% | 5,034 |
| Cash dividends to net income (ytd only)* | 71.5825% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 2,952 |
| Loan loss allowance to noncurrent loans | 310.0996% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 3,725 |
| Noncurrent loans to loans | 0.4670% | 4,509 |
| Net loans and leases to total assets | 71.3556% | 1,958 |
| Net loans and leases to deposits | 80.3435% | 2,641 |
| Net loans and leases to core deposits | 90.6948% | 2,157 |
| Total domestic deposits to total assets | 88.8131% | 1,348 |
| Equity capital to assets | 8.9125% | 5,449 |
| Core capital (leverage) ratio | 8.8648% | 5,243 |
| Tier 1 risk-based capital ratio | 13.3492% | 4,644 |
| Total risk-based capital ratio | 14.5968% | 4,574 |
| Memoranda: | ||
| Average total assets | $203,567,500 | 2,973 |
| Average earning assets | $184,062,250 | 3,013 |
| Average equity | $18,404,750 | 3,377 |
| Average total loans | $146,344,500 | 2,639 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1261% | 584 |
| Cost of funding earning assets | 0.5008% | 2,826 |
| Net interest margin | 4.6253% | 562 |
| Noninterest income to average assets | 1.8099% | 409 |
| Noninterest expense to average assets | 3.5237% | 1,434 |
| Loan and lease loss provision to assets | 0.0762% | 2,749 |
| Net operating income to assets | 2.3867% | 169 |
| Return on assets (ROA) | 2.3867% | 172 |
| Pretax return on assets | 2.3867% | 260 |
| Return on Equity (ROE) | 26.2707% | 90 |
| Retained earnings to average equity (ytd only) | 10.5213% | 611 |
| Net charge-offs to loans | 1.0404% | 331 |
| Credit loss provision to net charge-offs | 10.2122% | 3,301 |
| Earnings coverage of net charge-offs (x) | 3.3011% | 3,348 |
| Efficiency ratio | 58.8595% | 5,454 |
| Assets per employee ($millions) | 3.4535% | 4,937 |
| Cash dividends to net income (ytd only)* | 59.9502% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 2,852 |
| Loan loss allowance to noncurrent loans | 242.1569% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.7765% | 3,641 |
| Noncurrent loans to loans | 0.6236% | 4,155 |
| Net loans and leases to total assets | 69.9736% | 2,091 |
| Net loans and leases to deposits | 78.8983% | 2,675 |
| Net loans and leases to core deposits | 88.9140% | 2,217 |
| Total domestic deposits to total assets | 88.6883% | 1,543 |
| Equity capital to assets | 8.9928% | 5,308 |
| Core capital (leverage) ratio | 8.9919% | 5,029 |
| Tier 1 risk-based capital ratio | 13.4028% | 4,648 |
| Total risk-based capital ratio | 14.5936% | 4,631 |
| Memoranda: | ||
| Average total assets | $202,116,000 | 3,009 |
| Average earning assets | $182,517,330 | 3,045 |
| Average equity | $18,362,670 | 3,382 |
| Average total loans | $144,944,670 | 2,659 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 481 |
| Cost of funding earning assets | 0.4974% | 2,933 |
| Net interest margin | 4.7062% | 461 |
| Noninterest income to average assets | 1.6977% | 434 |
| Noninterest expense to average assets | 3.6699% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.2569% | 213 |
| Return on assets (ROA) | 2.2569% | 224 |
| Pretax return on assets | 2.2569% | 327 |
| Return on Equity (ROE) | 24.7106% | 126 |
| Retained earnings to average equity (ytd only) | 24.6886% | 59 |
| Net charge-offs to loans | 0.0445% | 2,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 70.3750% | 590 |
| Efficiency ratio | 61.9209% | 5,128 |
| Assets per employee ($millions) | 3.2856% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0888% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9787% | 1,552 |
| Loan loss allowance to noncurrent loans | 415.1079% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 3,852 |
| Noncurrent loans to loans | 0.4767% | 4,734 |
| Net loans and leases to total assets | 70.1564% | 1,863 |
| Net loans and leases to deposits | 79.3646% | 2,385 |
| Net loans and leases to core deposits | 89.2917% | 1,976 |
| Total domestic deposits to total assets | 88.3977% | 1,993 |
| Equity capital to assets | 9.2205% | 4,852 |
| Core capital (leverage) ratio | 9.3211% | 4,539 |
| Tier 1 risk-based capital ratio | 13.2645% | 4,847 |
| Total risk-based capital ratio | 14.5240% | 4,774 |
| Memoranda: | ||
| Average total assets | $199,568,500 | 3,054 |
| Average earning assets | $179,337,000 | 3,108 |
| Average equity | $18,227,000 | 3,397 |
| Average total loans | $143,809,000 | 2,682 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 418 |
| Cost of funding earning assets | 0.4754% | 3,863 |
| Net interest margin | 4.9419% | 330 |
| Noninterest income to average assets | 1.4388% | 672 |
| Noninterest expense to average assets | 3.6951% | 1,291 |
| Loan and lease loss provision to assets | 0.1688% | 2,170 |
| Net operating income to assets | 2.0099% | 333 |
| Return on assets (ROA) | 2.0099% | 335 |
| Pretax return on assets | 2.0099% | 464 |
| Return on Equity (ROE) | 21.5991% | 208 |
| Retained earnings to average equity (ytd only) | 2.5817% | 4,414 |
| Net charge-offs to loans | 0.0955% | 3,888 |
| Credit loss provision to net charge-offs | 248.8550% | 916 |
| Earnings coverage of net charge-offs (x) | 32.1221% | 1,116 |
| Efficiency ratio | 62.9088% | 5,072 |
| Assets per employee ($millions) | 3.2571% | 5,371 |
| Cash dividends to net income (ytd only)* | 88.0474% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0449% | 1,453 |
| Loan loss allowance to noncurrent loans | 351.0896% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.9047% | 3,622 |
| Noncurrent loans to loans | 0.5824% | 4,525 |
| Net loans and leases to total assets | 71.0840% | 1,824 |
| Net loans and leases to deposits | 80.4333% | 2,394 |
| Net loans and leases to core deposits | 89.7119% | 2,056 |
| Total domestic deposits to total assets | 88.3763% | 1,963 |
| Equity capital to assets | 9.0422% | 4,979 |
| Core capital (leverage) ratio | 9.0047% | 4,999 |
| Tier 1 risk-based capital ratio | 13.3848% | 4,729 |
| Total risk-based capital ratio | 14.6467% | 4,671 |
| Memoranda: | ||
| Average total assets | $193,145,600 | 3,107 |
| Average earning assets | $173,335,400 | 3,171 |
| Average equity | $17,973,000 | 3,422 |
| Average total loans | $137,135,000 | 2,747 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4238% | 421 |
| Cost of funding earning assets | 0.4678% | 4,083 |
| Net interest margin | 4.9561% | 342 |
| Noninterest income to average assets | 1.5716% | 593 |
| Noninterest expense to average assets | 3.7401% | 1,182 |
| Loan and lease loss provision to assets | 0.0886% | 3,289 |
| Net operating income to assets | 2.2031% | 256 |
| Return on assets (ROA) | 2.2031% | 264 |
| Pretax return on assets | 2.2031% | 381 |
| Return on Equity (ROE) | 23.5064% | 151 |
| Retained earnings to average equity (ytd only) | 13.4154% | 297 |
| Net charge-offs to loans | 0.1294% | 3,235 |
| Credit loss provision to net charge-offs | 96.9697% | 2,468 |
| Earnings coverage of net charge-offs (x) | 25.0751% | 1,398 |
| Efficiency ratio | 62.0064% | 5,139 |
| Assets per employee ($millions) | 3.1695% | 5,561 |
| Cash dividends to net income (ytd only)* | 42.9290% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9026% | 1,999 |
| Loan loss allowance to noncurrent loans | 502.0446% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 4,216 |
| Noncurrent loans to loans | 0.3790% | 5,264 |
| Net loans and leases to total assets | 72.0307% | 1,589 |
| Net loans and leases to deposits | 82.5540% | 2,062 |
| Net loans and leases to core deposits | 91.7864% | 1,780 |
| Total domestic deposits to total assets | 87.2528% | 2,531 |
| Equity capital to assets | 9.8346% | 4,124 |
| Core capital (leverage) ratio | 9.8218% | 3,929 |
| Tier 1 risk-based capital ratio | 14.4082% | 4,141 |
| Total risk-based capital ratio | 15.6677% | 4,091 |
| Memoranda: | ||
| Average total assets | $192,575,000 | 3,141 |
| Average earning assets | $173,305,500 | 3,197 |
| Average equity | $18,048,500 | 3,451 |
| Average total loans | $135,964,250 | 2,771 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 518 |
| Cost of funding earning assets | 0.4561% | 4,359 |
| Net interest margin | 4.8542% | 400 |
| Noninterest income to average assets | 0.8611% | 1,960 |
| Noninterest expense to average assets | 3.4536% | 1,708 |
| Loan and lease loss provision to assets | 0.1331% | 2,656 |
| Net operating income to assets | 1.6244% | 715 |
| Return on assets (ROA) | 1.6244% | 781 |
| Pretax return on assets | 1.6244% | 1,292 |
| Return on Equity (ROE) | 17.6232% | 496 |
| Retained earnings to average equity (ytd only) | 7.6946% | 1,598 |
| Net charge-offs to loans | 0.1269% | 3,107 |
| Credit loss provision to net charge-offs | 150.5882% | 1,532 |
| Earnings coverage of net charge-offs (x) | 19.8824% | 1,490 |
| Efficiency ratio | 66.2742% | 4,502 |
| Assets per employee ($millions) | 3.2158% | 5,441 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0390% | 1,768 |
| Loan loss allowance to noncurrent loans | 473.7931% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.8581% | 4,098 |
| Noncurrent loans to loans | 0.4304% | 5,187 |
| Net loans and leases to total assets | 69.5845% | 1,953 |
| Net loans and leases to deposits | 79.4172% | 2,414 |
| Net loans and leases to core deposits | 88.4376% | 2,067 |
| Total domestic deposits to total assets | 87.6189% | 2,482 |
| Equity capital to assets | 9.4301% | 4,673 |
| Core capital (leverage) ratio | 9.2742% | 4,589 |
| Tier 1 risk-based capital ratio | 13.4369% | 4,815 |
| Total risk-based capital ratio | 14.6972% | 4,767 |
| Memoranda: | ||
| Average total assets | $192,321,000 | 3,159 |
| Average earning assets | $172,345,670 | 3,222 |
| Average equity | $17,726,670 | 3,525 |
| Average total loans | $133,964,670 | 2,805 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2402% | 566 |
| Cost of funding earning assets | 0.4482% | 4,614 |
| Net interest margin | 4.7920% | 409 |
| Noninterest income to average assets | 0.8037% | 2,110 |
| Noninterest expense to average assets | 3.4109% | 1,811 |
| Loan and lease loss provision to assets | 0.0145% | 4,272 |
| Net operating income to assets | 1.6631% | 634 |
| Return on assets (ROA) | 1.6631% | 698 |
| Pretax return on assets | 1.6631% | 1,163 |
| Return on Equity (ROE) | 18.2498% | 419 |
| Retained earnings to average equity (ytd only) | 18.2498% | 191 |
| Net charge-offs to loans | 0.0329% | 3,571 |
| Credit loss provision to net charge-offs | 63.6364% | 2,376 |
| Earnings coverage of net charge-offs (x) | 73.8182% | 501 |
| Efficiency ratio | 67.0321% | 4,487 |
| Assets per employee ($millions) | 3.2052% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0197% | 1,991 |
| Loan loss allowance to noncurrent loans | 381.4972% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.8981% | 4,140 |
| Noncurrent loans to loans | 0.5294% | 5,117 |
| Net loans and leases to total assets | 67.0196% | 2,188 |
| Net loans and leases to deposits | 76.3383% | 2,584 |
| Net loans and leases to core deposits | 84.5293% | 2,260 |
| Total domestic deposits to total assets | 87.7928% | 2,463 |
| Equity capital to assets | 9.2284% | 5,223 |
| Core capital (leverage) ratio | 9.2752% | 4,444 |
| Tier 1 risk-based capital ratio | 13.7270% | 4,701 |
| Total risk-based capital ratio | 14.9867% | 4,663 |
| Memoranda: | ||
| Average total assets | $193,615,500 | 3,172 |
| Average earning assets | $173,123,500 | 3,233 |
| Average equity | $17,644,000 | 3,570 |
| Average total loans | $133,561,000 | 2,827 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4738% | 658 |
| Cost of funding earning assets | 0.4840% | 5,325 |
| Net interest margin | 4.9898% | 393 |
| Noninterest income to average assets | 1.9601% | 449 |
| Noninterest expense to average assets | 4.2246% | 747 |
| Loan and lease loss provision to assets | 0.2313% | 2,823 |
| Net operating income to assets | 1.9312% | 409 |
| Return on assets (ROA) | 1.9312% | 447 |
| Pretax return on assets | 1.9312% | 696 |
| Return on Equity (ROE) | 20.7606% | 271 |
| Retained earnings to average equity (ytd only) | 3.6673% | 3,641 |
| Net charge-offs to loans | 0.0302% | 5,481 |
| Credit loss provision to net charge-offs | 1,128.2051% | 228 |
| Earnings coverage of net charge-offs (x) | 105.4872% | 367 |
| Efficiency ratio | 66.1427% | 4,474 |
| Assets per employee ($millions) | 3.2494% | 5,515 |
| Cash dividends to net income (ytd only)* | 82.3353% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0279% | 1,944 |
| Loan loss allowance to noncurrent loans | 354.5216% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 2.0922% | 2,344 |
| Noncurrent loans to loans | 0.5720% | 5,100 |
| Net loans and leases to total assets | 68.1647% | 2,157 |
| Net loans and leases to deposits | 77.9735% | 2,535 |
| Net loans and leases to core deposits | 85.2676% | 2,398 |
| Total domestic deposits to total assets | 87.4204% | 2,567 |
| Equity capital to assets | 8.9951% | 5,529 |
| Core capital (leverage) ratio | 9.0269% | 4,858 |
| Tier 1 risk-based capital ratio | 12.9170% | 5,172 |
| Total risk-based capital ratio | 14.1766% | 5,105 |
| Memoranda: | ||
| Average total assets | $190,243,800 | 3,174 |
| Average earning assets | $168,784,800 | 3,249 |
| Average equity | $17,697,000 | 3,512 |
| Average total loans | $129,053,800 | 2,901 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4634% | 740 |
| Cost of funding earning assets | 0.4886% | 5,515 |
| Net interest margin | 4.9748% | 421 |
| Noninterest income to average assets | 2.1663% | 381 |
| Noninterest expense to average assets | 3.8136% | 1,186 |
| Loan and lease loss provision to assets | 0.1145% | 4,134 |
| Net operating income to assets | 2.6641% | 143 |
| Return on assets (ROA) | 2.6641% | 154 |
| Pretax return on assets | 2.6641% | 228 |
| Return on Equity (ROE) | 28.4028% | 91 |
| Retained earnings to average equity (ytd only) | 18.6857% | 103 |
| Net charge-offs to loans | 0.0125% | 5,528 |
| Credit loss provision to net charge-offs | 1,358.3333% | 207 |
| Earnings coverage of net charge-offs (x) | 329.7419% | 138 |
| Efficiency ratio | 57.8504% | 5,813 |
| Assets per employee ($millions) | 2.9694% | 6,095 |
| Cash dividends to net income (ytd only)* | 34.2118% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9537% | 2,313 |
| Loan loss allowance to noncurrent loans | 269.4841% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 2.1885% | 2,444 |
| Noncurrent loans to loans | 0.7250% | 4,981 |
| Net loans and leases to total assets | 64.8304% | 2,868 |
| Net loans and leases to deposits | 74.9235% | 3,155 |
| Net loans and leases to core deposits | 83.2331% | 2,791 |
| Total domestic deposits to total assets | 86.5288% | 2,967 |
| Equity capital to assets | 10.0509% | 4,422 |
| Core capital (leverage) ratio | 10.0099% | 3,525 |
| Tier 1 risk-based capital ratio | 15.0321% | 3,829 |
| Total risk-based capital ratio | 16.2905% | 3,772 |
| Memoranda: | ||
| Average total assets | $189,876,000 | 3,208 |
| Average earning assets | $168,926,000 | 3,278 |
| Average equity | $17,810,000 | 3,529 |
| Average total loans | $127,970,500 | 2,955 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6022% | 574 |
| Cost of funding earning assets | 0.5058% | 5,578 |
| Net interest margin | 5.0964% | 339 |
| Noninterest income to average assets | 1.8059% | 474 |
| Noninterest expense to average assets | 3.9500% | 1,008 |
| Loan and lease loss provision to assets | 0.1717% | 3,388 |
| Net operating income to assets | 2.2063% | 281 |
| Return on assets (ROA) | 2.2063% | 319 |
| Pretax return on assets | 2.2063% | 479 |
| Return on Equity (ROE) | 24.0971% | 177 |
| Retained earnings to average equity (ytd only) | 14.6838% | 298 |
| Net charge-offs to loans | 0.0357% | 4,883 |
| Credit loss provision to net charge-offs | 708.6957% | 449 |
| Earnings coverage of net charge-offs (x) | 98.1304% | 438 |
| Efficiency ratio | 62.4209% | 5,179 |
| Assets per employee ($millions) | 2.9457% | 6,158 |
| Cash dividends to net income (ytd only)* | 39.0640% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9124% | 2,513 |
| Loan loss allowance to noncurrent loans | 476.4133% | 755 |
| Noncurrent assets plus other real estate owned to assets | 2.0088% | 2,768 |
| Noncurrent loans to loans | 0.4014% | 5,733 |
| Net loans and leases to total assets | 66.4927% | 2,573 |
| Net loans and leases to deposits | 76.8505% | 2,862 |
| Net loans and leases to core deposits | 83.3870% | 2,772 |
| Total domestic deposits to total assets | 86.5221% | 3,057 |
| Equity capital to assets | 9.4885% | 5,083 |
| Core capital (leverage) ratio | 9.3377% | 4,396 |
| Tier 1 risk-based capital ratio | 13.9115% | 4,515 |
| Total risk-based capital ratio | 15.1697% | 4,483 |
| Memoranda: | ||
| Average total assets | $189,820,670 | 3,217 |
| Average earning assets | $168,433,330 | 3,286 |
| Average equity | $17,379,670 | 3,587 |
| Average total loans | $128,740,670 | 2,948 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6183% | 603 |
| Cost of funding earning assets | 0.4867% | 5,891 |
| Net interest margin | 5.1316% | 326 |
| Noninterest income to average assets | 1.3839% | 760 |
| Noninterest expense to average assets | 3.7675% | 1,258 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1778% | 303 |
| Return on assets (ROA) | 2.1778% | 357 |
| Pretax return on assets | 2.1778% | 559 |
| Return on Equity (ROE) | 24.2212% | 209 |
| Retained earnings to average equity (ytd only) | 24.2212% | 105 |
| Net charge-offs to loans | 0.0495% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 64.8125% | 519 |
| Efficiency ratio | 63.3698% | 5,039 |
| Assets per employee ($millions) | 2.9693% | 6,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7263% | 3,245 |
| Loan loss allowance to noncurrent loans | 738.0645% | 497 |
| Noncurrent assets plus other real estate owned to assets | 1.9585% | 2,962 |
| Noncurrent loans to loans | 0.2339% | 6,225 |
| Net loans and leases to total assets | 67.4851% | 2,202 |
| Net loans and leases to deposits | 77.5684% | 2,585 |
| Net loans and leases to core deposits | 85.5023% | 2,347 |
| Total domestic deposits to total assets | 87.0008% | 2,958 |
| Equity capital to assets | 9.1345% | 5,319 |
| Core capital (leverage) ratio | 9.2090% | 4,503 |
| Tier 1 risk-based capital ratio | 13.2635% | 5,016 |
| Total risk-based capital ratio | 14.5194% | 4,995 |
| Memoranda: | ||
| Average total assets | $190,469,500 | 3,225 |
| Average earning assets | $169,304,000 | 3,299 |
| Average equity | $17,125,500 | 3,626 |
| Average total loans | $129,212,000 | 2,953 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 2,145 |
| Cost of funding earning assets | 0.7573% | 5,158 |
| Net interest margin | 4.4232% | 1,334 |
| Noninterest income to average assets | 1.4856% | 591 |
| Noninterest expense to average assets | 3.6213% | 1,699 |
| Loan and lease loss provision to assets | 0.8006% | 1,229 |
| Net operating income to assets | 1.0320% | 2,075 |
| Return on assets (ROA) | 1.0330% | 2,225 |
| Pretax return on assets | 1.0330% | 3,111 |
| Return on Equity (ROE) | 12.0098% | 1,402 |
| Retained earnings to average equity (ytd only) | 3.2829% | 3,887 |
| Net charge-offs to loans | 0.9363% | 1,858 |
| Credit loss provision to net charge-offs | 130.1314% | 2,355 |
| Earnings coverage of net charge-offs (x) | 2.9787% | 3,717 |
| Efficiency ratio | 66.3981% | 4,683 |
| Assets per employee ($millions) | 2.8913% | 6,297 |
| Cash dividends to net income (ytd only)* | 72.6650% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8302% | 2,772 |
| Loan loss allowance to noncurrent loans | 948.1481% | 413 |
| Noncurrent assets plus other real estate owned to assets | 1.9491% | 3,043 |
| Noncurrent loans to loans | 0.1930% | 6,364 |
| Net loans and leases to total assets | 65.7584% | 2,830 |
| Net loans and leases to deposits | 75.0972% | 3,329 |
| Net loans and leases to core deposits | 83.6065% | 2,943 |
| Total domestic deposits to total assets | 87.5643% | 2,437 |
| Equity capital to assets | 8.8440% | 5,738 |
| Core capital (leverage) ratio | 8.5644% | 5,456 |
| Tier 1 risk-based capital ratio | 13.4591% | 4,727 |
| Total risk-based capital ratio | 14.7165% | 4,688 |
| Memoranda: | ||
| Average total assets | $197,968,800 | 3,077 |
| Average earning assets | $177,610,400 | 3,120 |
| Average equity | $17,027,800 | 3,571 |
| Average total loans | $130,080,600 | 2,978 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0449% | 2,866 |
| Cost of funding earning assets | 0.8193% | 5,015 |
| Net interest margin | 4.2257% | 2,001 |
| Noninterest income to average assets | 1.5802% | 528 |
| Noninterest expense to average assets | 3.4104% | 2,164 |
| Loan and lease loss provision to assets | 0.4782% | 2,077 |
| Net operating income to assets | 1.4924% | 953 |
| Return on assets (ROA) | 1.4924% | 1,037 |
| Pretax return on assets | 1.4924% | 1,673 |
| Return on Equity (ROE) | 17.4665% | 512 |
| Retained earnings to average equity (ytd only) | 12.5784% | 422 |
| Net charge-offs to loans | 1.0625% | 1,497 |
| Credit loss provision to net charge-offs | 68.8038% | 4,522 |
| Earnings coverage of net charge-offs (x) | 2.8354% | 3,722 |
| Efficiency ratio | 63.3791% | 5,165 |
| Assets per employee ($millions) | 2.9287% | 6,259 |
| Cash dividends to net income (ytd only)* | 27.9856% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 5,160 |
| Loan loss allowance to noncurrent loans | 276.3293% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 2.1827% | 2,921 |
| Noncurrent loans to loans | 0.4586% | 5,933 |
| Net loans and leases to total assets | 63.9676% | 3,312 |
| Net loans and leases to deposits | 73.3796% | 3,743 |
| Net loans and leases to core deposits | 81.8921% | 3,345 |
| Total domestic deposits to total assets | 87.1735% | 2,540 |
| Equity capital to assets | 9.0217% | 5,735 |
| Core capital (leverage) ratio | 8.6813% | 5,440 |
| Tier 1 risk-based capital ratio | 13.6727% | 4,600 |
| Total risk-based capital ratio | 14.9230% | 4,569 |
| Memoranda: | ||
| Average total assets | $200,477,250 | 3,069 |
| Average earning assets | $180,322,000 | 3,106 |
| Average equity | $17,129,500 | 3,564 |
| Average total loans | $131,129,000 | 2,988 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9271% | 3,501 |
| Cost of funding earning assets | 0.8963% | 4,701 |
| Net interest margin | 4.0307% | 2,697 |
| Noninterest income to average assets | 1.7078% | 459 |
| Noninterest expense to average assets | 3.3641% | 2,356 |
| Loan and lease loss provision to assets | 0.0287% | 5,946 |
| Net operating income to assets | 1.9723% | 358 |
| Return on assets (ROA) | 1.9723% | 377 |
| Pretax return on assets | 1.9723% | 621 |
| Return on Equity (ROE) | 23.5088% | 179 |
| Retained earnings to average equity (ytd only) | 19.2463% | 110 |
| Net charge-offs to loans | 0.5375% | 2,483 |
| Credit loss provision to net charge-offs | 8.1461% | 5,269 |
| Earnings coverage of net charge-offs (x) | 5.6742% | 2,559 |
| Efficiency ratio | 62.7031% | 5,455 |
| Assets per employee ($millions) | 3.5114% | 4,915 |
| Cash dividends to net income (ytd only)* | 18.1316% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 5,176 |
| Loan loss allowance to noncurrent loans | 49.9225% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 2.5863% | 2,574 |
| Noncurrent loans to loans | 2.5508% | 2,829 |
| Net loans and leases to total assets | 60.2505% | 4,226 |
| Net loans and leases to deposits | 68.7405% | 4,599 |
| Net loans and leases to core deposits | 77.9551% | 4,056 |
| Total domestic deposits to total assets | 87.6493% | 2,369 |
| Equity capital to assets | 8.5509% | 6,128 |
| Core capital (leverage) ratio | 8.5599% | 5,458 |
| Tier 1 risk-based capital ratio | 14.2229% | 3,997 |
| Total risk-based capital ratio | 15.4733% | 3,971 |
| Memoranda: | ||
| Average total assets | $201,894,330 | 3,075 |
| Average earning assets | $183,192,330 | 3,086 |
| Average equity | $16,938,330 | 3,580 |
| Average total loans | $132,461,330 | 2,995 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2432% | 2,080 |
| Cost of funding earning assets | 1.0105% | 4,128 |
| Net interest margin | 4.2327% | 1,800 |
| Noninterest income to average assets | 1.4072% | 651 |
| Noninterest expense to average assets | 3.3866% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8549% | 443 |
| Return on assets (ROA) | 1.8549% | 466 |
| Pretax return on assets | 1.8549% | 735 |
| Return on Equity (ROE) | 22.3323% | 234 |
| Retained earnings to average equity (ytd only) | 22.3323% | 130 |
| Net charge-offs to loans | 1.0304% | 1,326 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.6476% | 3,018 |
| Efficiency ratio | 64.6113% | 5,259 |
| Assets per employee ($millions) | 3.2896% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 5,677 |
| Loan loss allowance to noncurrent loans | 100.6337% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.8872% | 3,452 |
| Noncurrent loans to loans | 1.1840% | 4,708 |
| Net loans and leases to total assets | 65.6266% | 3,105 |
| Net loans and leases to deposits | 75.0335% | 3,577 |
| Net loans and leases to core deposits | 85.7898% | 2,901 |
| Total domestic deposits to total assets | 87.4631% | 2,681 |
| Equity capital to assets | 8.4754% | 5,947 |
| Core capital (leverage) ratio | 8.3431% | 5,722 |
| Tier 1 risk-based capital ratio | 13.6874% | 4,295 |
| Total risk-based capital ratio | 14.9377% | 4,269 |
| Memoranda: | ||
| Average total assets | $199,256,500 | 3,121 |
| Average earning assets | $180,501,000 | 3,141 |
| Average equity | $16,550,000 | 3,628 |
| Average total loans | $135,476,500 | 2,975 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5785% | 1,981 |
| Cost of funding earning assets | 1.3053% | 3,849 |
| Net interest margin | 4.2732% | 1,907 |
| Noninterest income to average assets | 0.8372% | 2,110 |
| Noninterest expense to average assets | 3.3395% | 2,610 |
| Loan and lease loss provision to assets | 0.7910% | 2,066 |
| Net operating income to assets | 0.5422% | 3,919 |
| Return on assets (ROA) | 0.5422% | 4,067 |
| Pretax return on assets | 0.5422% | 4,495 |
| Return on Equity (ROE) | 6.3795% | 3,407 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,576 |
| Net charge-offs to loans | 1.1077% | 2,013 |
| Credit loss provision to net charge-offs | 100.3253% | 4,541 |
| Earnings coverage of net charge-offs (x) | 1.6910% | 4,463 |
| Efficiency ratio | 71.4678% | 3,895 |
| Assets per employee ($millions) | 3.1405% | 5,790 |
| Cash dividends to net income (ytd only)* | 100.0000% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 4,474 |
| Loan loss allowance to noncurrent loans | 41.9355% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 3.4880% | 1,991 |
| Noncurrent loans to loans | 3.3550% | 2,270 |
| Net loans and leases to total assets | 68.6074% | 2,837 |
| Net loans and leases to deposits | 78.2078% | 3,483 |
| Net loans and leases to core deposits | 90.8962% | 2,633 |
| Total domestic deposits to total assets | 87.7245% | 2,406 |
| Equity capital to assets | 8.1340% | 6,340 |
| Core capital (leverage) ratio | 7.7962% | 6,441 |
| Tier 1 risk-based capital ratio | 13.4940% | 4,209 |
| Total risk-based capital ratio | 14.7490% | 4,178 |
| Memoranda: | ||
| Average total assets | $194,940,400 | 3,164 |
| Average earning assets | $174,976,200 | 3,188 |
| Average equity | $16,568,600 | 3,665 |
| Average total loans | $138,761,200 | 2,973 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6244% | 1,972 |
| Cost of funding earning assets | 1.3501% | 3,901 |
| Net interest margin | 4.2743% | 1,942 |
| Noninterest income to average assets | 0.8108% | 2,183 |
| Noninterest expense to average assets | 3.2486% | 2,746 |
| Loan and lease loss provision to assets | 0.4002% | 3,503 |
| Net operating income to assets | 0.9893% | 2,275 |
| Return on assets (ROA) | 0.9893% | 2,388 |
| Pretax return on assets | 0.9893% | 3,219 |
| Return on Equity (ROE) | 11.5133% | 1,646 |
| Retained earnings to average equity (ytd only) | 4.9696% | 3,013 |
| Net charge-offs to loans | 0.4277% | 3,581 |
| Credit loss provision to net charge-offs | 130.7175% | 3,090 |
| Earnings coverage of net charge-offs (x) | 4.5381% | 3,010 |
| Efficiency ratio | 70.0414% | 4,057 |
| Assets per employee ($millions) | 3.3388% | 5,361 |
| Cash dividends to net income (ytd only)* | 56.8353% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 4,333 |
| Loan loss allowance to noncurrent loans | 44.3325% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 3.0971% | 2,335 |
| Noncurrent loans to loans | 3.2157% | 2,470 |
| Net loans and leases to total assets | 69.1116% | 2,957 |
| Net loans and leases to deposits | 79.6108% | 3,522 |
| Net loans and leases to core deposits | 95.6016% | 2,308 |
| Total domestic deposits to total assets | 86.8118% | 2,640 |
| Equity capital to assets | 8.1028% | 6,708 |
| Core capital (leverage) ratio | 7.8954% | 6,473 |
| Tier 1 risk-based capital ratio | 11.6255% | 5,812 |
| Total risk-based capital ratio | 12.8780% | 5,792 |
| Memoranda: | ||
| Average total assets | $194,213,250 | 3,217 |
| Average earning assets | $173,904,750 | 3,253 |
| Average equity | $16,687,500 | 3,698 |
| Average total loans | $139,032,500 | 3,004 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7205% | 1,684 |
| Cost of funding earning assets | 1.3289% | 4,350 |
| Net interest margin | 4.3916% | 1,471 |
| Noninterest income to average assets | 0.8371% | 1,931 |
| Noninterest expense to average assets | 3.3093% | 2,536 |
| Loan and lease loss provision to assets | 0.0790% | 6,151 |
| Net operating income to assets | 1.3530% | 1,184 |
| Return on assets (ROA) | 1.3530% | 1,257 |
| Pretax return on assets | 1.3530% | 1,940 |
| Return on Equity (ROE) | 15.4271% | 777 |
| Retained earnings to average equity (ytd only) | 8.9801% | 1,113 |
| Net charge-offs to loans | 0.1533% | 4,718 |
| Credit loss provision to net charge-offs | 71.4286% | 4,927 |
| Earnings coverage of net charge-offs (x) | 12.9524% | 1,627 |
| Efficiency ratio | 69.7979% | 4,223 |
| Assets per employee ($millions) | 3.1064% | 5,905 |
| Cash dividends to net income (ytd only)* | 41.7899% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 4,708 |
| Loan loss allowance to noncurrent loans | 245.4194% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 1.2103% | 4,718 |
| Noncurrent loans to loans | 0.5478% | 6,158 |
| Net loans and leases to total assets | 67.0600% | 3,608 |
| Net loans and leases to deposits | 75.6276% | 4,397 |
| Net loans and leases to core deposits | 90.1965% | 3,225 |
| Total domestic deposits to total assets | 88.6713% | 1,625 |
| Equity capital to assets | 8.1277% | 6,624 |
| Core capital (leverage) ratio | 8.4562% | 5,485 |
| Tier 1 risk-based capital ratio | 11.7698% | 5,525 |
| Total risk-based capital ratio | 13.0206% | 5,487 |
| Memoranda: | ||
| Average total assets | $189,950,000 | 3,302 |
| Average earning assets | $168,866,330 | 3,360 |
| Average equity | $16,659,000 | 3,695 |
| Average total loans | $136,999,330 | 3,067 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9039% | 1,195 |
| Cost of funding earning assets | 1.3268% | 4,639 |
| Net interest margin | 4.5771% | 995 |
| Noninterest income to average assets | 0.8493% | 1,819 |
| Noninterest expense to average assets | 3.5563% | 1,826 |
| Loan and lease loss provision to assets | 0.0995% | 5,637 |
| Net operating income to assets | 1.2142% | 1,499 |
| Return on assets (ROA) | 1.2142% | 1,573 |
| Pretax return on assets | 1.2142% | 2,315 |
| Return on Equity (ROE) | 13.2845% | 1,198 |
| Retained earnings to average equity (ytd only) | 13.2845% | 585 |
| Net charge-offs to loans | -0.0534% | 7,362 |
| Credit loss provision to net charge-offs | -250.0000% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0245% | 3,755 |
| Assets per employee ($millions) | 2.7610% | 6,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 4,088 |
| Loan loss allowance to noncurrent loans | 1,173.5294% | 290 |
| Noncurrent assets plus other real estate owned to assets | 1.1444% | 4,879 |
| Noncurrent loans to loans | 0.1250% | 7,094 |
| Net loans and leases to total assets | 72.4467% | 2,344 |
| Net loans and leases to deposits | 83.0248% | 3,102 |
| Net loans and leases to core deposits | 90.6304% | 3,278 |
| Total domestic deposits to total assets | 87.2591% | 2,494 |
| Equity capital to assets | 9.0682% | 5,176 |
| Core capital (leverage) ratio | 9.0758% | 4,427 |
| Tier 1 risk-based capital ratio | 12.2043% | 4,988 |
| Total risk-based capital ratio | 13.4572% | 4,959 |
| Memoranda: | ||
| Average total assets | $180,861,500 | 3,484 |
| Average earning assets | $158,879,000 | 3,591 |
| Average equity | $16,530,500 | 3,748 |
| Average total loans | $134,763,000 | 3,166 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0138% | 1,814 |
| Cost of funding earning assets | 1.4080% | 5,900 |
| Net interest margin | 4.6058% | 970 |
| Noninterest income to average assets | 0.9241% | 1,852 |
| Noninterest expense to average assets | 3.5684% | 2,224 |
| Loan and lease loss provision to assets | 0.6776% | 3,110 |
| Net operating income to assets | 0.7653% | 2,657 |
| Return on assets (ROA) | 0.7653% | 2,749 |
| Pretax return on assets | 0.7653% | 3,358 |
| Return on Equity (ROE) | 8.2717% | 2,270 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.4805% | 3,855 |
| Credit loss provision to net charge-offs | 196.1165% | 2,018 |
| Earnings coverage of net charge-offs (x) | 4.1764% | 3,029 |
| Efficiency ratio | 71.2071% | 4,410 |
| Assets per employee ($millions) | 2.6379% | 6,971 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 3,996 |
| Loan loss allowance to noncurrent loans | 525.0000% | 636 |
| Noncurrent assets plus other real estate owned to assets | 1.2176% | 4,658 |
| Noncurrent loans to loans | 0.2756% | 6,738 |
| Net loans and leases to total assets | 74.4512% | 2,151 |
| Net loans and leases to deposits | 85.6252% | 2,978 |
| Net loans and leases to core deposits | 116.1308% | 2,300 |
| Total domestic deposits to total assets | 86.9500% | 2,542 |
| Equity capital to assets | 9.2149% | 4,821 |
| Core capital (leverage) ratio | 9.0043% | 4,414 |
| Tier 1 risk-based capital ratio | 12.1815% | 4,787 |
| Total risk-based capital ratio | 13.4339% | 4,749 |
| Memoranda: | ||
| Average total assets | $178,874,600 | 3,458 |
| Average earning assets | $158,735,600 | 3,542 |
| Average equity | $16,550,400 | 3,771 |
| Average total loans | $128,623,400 | 3,293 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9602% | 2,195 |
| Cost of funding earning assets | 1.4175% | 6,159 |
| Net interest margin | 4.5427% | 1,087 |
| Noninterest income to average assets | 0.9520% | 1,773 |
| Noninterest expense to average assets | 3.6296% | 1,964 |
| Loan and lease loss provision to assets | 0.3233% | 4,402 |
| Net operating income to assets | 1.0575% | 1,873 |
| Return on assets (ROA) | 1.0575% | 1,933 |
| Pretax return on assets | 1.0575% | 2,712 |
| Return on Equity (ROE) | 11.4181% | 1,506 |
| Retained earnings to average equity (ytd only) | 4.4453% | 2,789 |
| Net charge-offs to loans | 0.5672% | 2,986 |
| Credit loss provision to net charge-offs | 80.2583% | 5,758 |
| Earnings coverage of net charge-offs (x) | 3.4280% | 3,537 |
| Efficiency ratio | 72.4414% | 4,163 |
| Assets per employee ($millions) | 2.8716% | 6,475 |
| Cash dividends to net income (ytd only)* | 61.0682% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 6,543 |
| Loan loss allowance to noncurrent loans | 150.1220% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 1.2674% | 4,534 |
| Noncurrent loans to loans | 0.6331% | 6,030 |
| Net loans and leases to total assets | 73.2442% | 2,725 |
| Net loans and leases to deposits | 84.9252% | 3,506 |
| Net loans and leases to core deposits | 116.3931% | 2,583 |
| Total domestic deposits to total assets | 86.2456% | 2,566 |
| Equity capital to assets | 9.6286% | 4,585 |
| Core capital (leverage) ratio | 9.3631% | 4,096 |
| Tier 1 risk-based capital ratio | 12.7644% | 4,341 |
| Total risk-based capital ratio | 13.7136% | 4,525 |
| Memoranda: | ||
| Average total assets | $179,409,250 | 3,473 |
| Average earning assets | $160,282,000 | 3,543 |
| Average equity | $16,616,500 | 3,779 |
| Average total loans | $127,400,750 | 3,352 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9774% | 2,276 |
| Cost of funding earning assets | 1.4588% | 6,295 |
| Net interest margin | 4.5186% | 1,125 |
| Noninterest income to average assets | 0.9910% | 1,623 |
| Noninterest expense to average assets | 3.5305% | 2,247 |
| Loan and lease loss provision to assets | 0.0995% | 6,179 |
| Net operating income to assets | 1.4036% | 1,025 |
| Return on assets (ROA) | 1.4036% | 1,090 |
| Pretax return on assets | 1.4036% | 1,715 |
| Return on Equity (ROE) | 15.3508% | 774 |
| Retained earnings to average equity (ytd only) | 7.1734% | 1,517 |
| Net charge-offs to loans | 0.1531% | 4,664 |
| Credit loss provision to net charge-offs | 92.7835% | 4,843 |
| Earnings coverage of net charge-offs (x) | 14.0103% | 1,690 |
| Efficiency ratio | 70.1384% | 4,750 |
| Assets per employee ($millions) | 2.8030% | 6,621 |
| Cash dividends to net income (ytd only)* | 53.2703% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 6,273 |
| Loan loss allowance to noncurrent loans | 140.6977% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 5,999 |
| Noncurrent loans to loans | 0.7091% | 5,822 |
| Net loans and leases to total assets | 76.0034% | 2,178 |
| Net loans and leases to deposits | 88.0024% | 3,170 |
| Net loans and leases to core deposits | 117.9105% | 2,548 |
| Total domestic deposits to total assets | 86.3652% | 2,587 |
| Equity capital to assets | 9.7150% | 4,330 |
| Core capital (leverage) ratio | 9.2880% | 4,182 |
| Tier 1 risk-based capital ratio | 12.4502% | 4,558 |
| Total risk-based capital ratio | 13.4489% | 4,663 |
| Memoranda: | ||
| Average total assets | $180,823,670 | 3,467 |
| Average earning assets | $161,777,330 | 3,532 |
| Average equity | $16,533,330 | 3,806 |
| Average total loans | $126,691,000 | 3,408 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7914% | 3,346 |
| Cost of funding earning assets | 1.5530% | 6,225 |
| Net interest margin | 4.2384% | 1,782 |
| Noninterest income to average assets | 0.7594% | 2,547 |
| Noninterest expense to average assets | 3.3221% | 2,594 |
| Loan and lease loss provision to assets | 0.0976% | 5,705 |
| Net operating income to assets | 1.1240% | 1,883 |
| Return on assets (ROA) | 1.1240% | 2,008 |
| Pretax return on assets | 1.1240% | 2,897 |
| Return on Equity (ROE) | 12.6662% | 1,472 |
| Retained earnings to average equity (ytd only) | 3.6434% | 3,872 |
| Net charge-offs to loans | 0.0259% | 5,175 |
| Credit loss provision to net charge-offs | 562.5000% | 1,000 |
| Earnings coverage of net charge-offs (x) | 70.3750% | 574 |
| Efficiency ratio | 73.1137% | 3,987 |
| Assets per employee ($millions) | 2.8684% | 6,476 |
| Cash dividends to net income (ytd only)* | 71.2355% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 5,586 |
| Loan loss allowance to noncurrent loans | 929.0541% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 7,334 |
| Noncurrent loans to loans | 0.1167% | 7,191 |
| Net loans and leases to total assets | 67.2647% | 4,298 |
| Net loans and leases to deposits | 76.2853% | 5,182 |
| Net loans and leases to core deposits | 101.4225% | 4,402 |
| Total domestic deposits to total assets | 88.1752% | 1,662 |
| Equity capital to assets | 8.8111% | 5,605 |
| Core capital (leverage) ratio | 8.8778% | 4,881 |
| Tier 1 risk-based capital ratio | 12.6439% | 4,440 |
| Total risk-based capital ratio | 13.7204% | 4,487 |
| Memoranda: | ||
| Average total assets | $184,344,000 | 3,441 |
| Average earning assets | $164,589,500 | 3,502 |
| Average equity | $16,358,500 | 3,872 |
| Average total loans | $123,330,500 | 3,494 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6695% | 2,159 |
| Cost of funding earning assets | 1.9881% | 6,446 |
| Net interest margin | 4.6814% | 1,007 |
| Noninterest income to average assets | 0.7472% | 2,801 |
| Noninterest expense to average assets | 3.5787% | 2,204 |
| Loan and lease loss provision to assets | 0.2095% | 4,798 |
| Net operating income to assets | 1.1684% | 1,880 |
| Return on assets (ROA) | 1.1736% | 1,792 |
| Pretax return on assets | 1.1736% | 2,752 |
| Return on Equity (ROE) | 12.9185% | 1,349 |
| Retained earnings to average equity (ytd only) | 6.3171% | 1,389 |
| Net charge-offs to loans | 0.0653% | 5,842 |
| Credit loss provision to net charge-offs | 480.2632% | 920 |
| Earnings coverage of net charge-offs (x) | 31.5921% | 1,131 |
| Efficiency ratio | 72.2010% | 3,899 |
| Assets per employee ($millions) | 2.8475% | 6,453 |
| Cash dividends to net income (ytd only)* | 51.1002% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,156 |
| Loan loss allowance to noncurrent loans | 434.4156% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 6,892 |
| Noncurrent loans to loans | 0.2569% | 6,609 |
| Net loans and leases to total assets | 65.0430% | 5,051 |
| Net loans and leases to deposits | 73.5320% | 5,894 |
| Net loans and leases to core deposits | 98.8261% | 4,944 |
| Total domestic deposits to total assets | 88.4554% | 1,270 |
| Equity capital to assets | 8.9382% | 5,450 |
| Core capital (leverage) ratio | 8.7566% | 5,105 |
| Tier 1 risk-based capital ratio | 12.9742% | 4,128 |
| Total risk-based capital ratio | 14.0591% | 4,141 |
| Memoranda: | ||
| Average total assets | $174,251,800 | 3,490 |
| Average earning assets | $156,684,400 | 3,537 |
| Average equity | $15,830,000 | 3,968 |
| Average total loans | $116,457,400 | 3,535 |