Home > Castroville State Bank > Performance and Condition Ratios
Castroville State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9005% | 2,271 |
| Cost of funding earning assets | 1.6718% | 1,515 |
| Net interest margin | 3.2287% | 2,801 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.8555% | 3,913 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.1251% | 1,839 |
| Return on assets (ROA) | 1.1251% | 1,818 |
| Pretax return on assets | 1.3851% | 1,668 |
| Return on Equity (ROE) | 14.8500% | 1,313 |
| Retained earnings to average equity (ytd only) | 10.6149% | 873 |
| Net charge-offs to loans | 0.0337% | 1,627 |
| Credit loss provision to net charge-offs | 533.8983% | 639 |
| Earnings coverage of net charge-offs (x) | 65.7288% | 1,136 |
| Efficiency ratio | 55.1728% | 3,587 |
| Assets per employee ($millions) | 8.4510% | 1,201 |
| Cash dividends to net income (ytd only)* | 28.5073% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 1,683 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 68.3200% | 1,997 |
| Net loans and leases to deposits | 75.6738% | 2,484 |
| Net loans and leases to core deposits | 89.4075% | 2,094 |
| Total domestic deposits to total assets | 90.2800% | 687 |
| Equity capital to assets | 8.0491% | 3,376 |
| Core capital (leverage) ratio | 9.6727% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $257,232,800 | 2,639 |
| Average earning assets | $247,098,200 | 2,592 |
| Average equity | $19,491,400 | 2,903 |
| Average total loans | $175,002,000 | 2,489 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 2,122 |
| Cost of funding earning assets | 1.4975% | 1,616 |
| Net interest margin | 3.3735% | 2,511 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.8965% | 3,808 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.2070% | 1,780 |
| Return on assets (ROA) | 1.2070% | 1,766 |
| Pretax return on assets | 1.4882% | 1,580 |
| Return on Equity (ROE) | 16.1900% | 1,221 |
| Retained earnings to average equity (ytd only) | 14.7209% | 590 |
| Net charge-offs to loans | 0.0877% | 863 |
| Credit loss provision to net charge-offs | 197.3684% | 1,137 |
| Earnings coverage of net charge-offs (x) | 27.0439% | 1,652 |
| Efficiency ratio | 54.1561% | 3,574 |
| Assets per employee ($millions) | 8.3972% | 1,166 |
| Cash dividends to net income (ytd only)* | 9.0595% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,100 |
| Loan loss allowance to noncurrent loans | 1,641.6058% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 3,283 |
| Noncurrent loans to loans | 0.0762% | 3,208 |
| Net loans and leases to total assets | 68.1700% | 2,027 |
| Net loans and leases to deposits | 75.9835% | 2,420 |
| Net loans and leases to core deposits | 89.3091% | 1,975 |
| Total domestic deposits to total assets | 89.7200% | 1,013 |
| Equity capital to assets | 7.3946% | 3,415 |
| Core capital (leverage) ratio | 9.4956% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $256,046,000 | 2,649 |
| Average earning assets | $245,833,750 | 2,603 |
| Average equity | $19,092,500 | 2,928 |
| Average total loans | $173,410,250 | 2,500 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 2,263 |
| Cost of funding earning assets | 1.1581% | 2,111 |
| Net interest margin | 3.5144% | 2,230 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.9181% | 3,777 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.2937% | 1,587 |
| Return on assets (ROA) | 1.2937% | 1,574 |
| Pretax return on assets | 1.6008% | 1,416 |
| Return on Equity (ROE) | 17.3000% | 1,046 |
| Retained earnings to average equity (ytd only) | 16.2182% | 447 |
| Net charge-offs to loans | 0.0654% | 900 |
| Credit loss provision to net charge-offs | 241.0714% | 970 |
| Earnings coverage of net charge-offs (x) | 38.8036% | 1,419 |
| Efficiency ratio | 52.9144% | 3,706 |
| Assets per employee ($millions) | 8.3896% | 1,143 |
| Cash dividends to net income (ytd only)* | 6.2538% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,273 |
| Loan loss allowance to noncurrent loans | 788.6121% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 2,787 |
| Noncurrent loans to loans | 0.1563% | 2,691 |
| Net loans and leases to total assets | 68.2900% | 1,936 |
| Net loans and leases to deposits | 77.8851% | 2,145 |
| Net loans and leases to core deposits | 91.5898% | 1,710 |
| Total domestic deposits to total assets | 87.6800% | 1,712 |
| Equity capital to assets | 7.5473% | 3,494 |
| Core capital (leverage) ratio | 9.3867% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $254,624,000 | 2,665 |
| Average earning assets | $243,681,000 | 2,618 |
| Average equity | $19,040,333 | 2,945 |
| Average total loans | $171,313,667 | 2,515 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 2,237 |
| Cost of funding earning assets | 0.7178% | 2,996 |
| Net interest margin | 3.8167% | 1,652 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.9182% | 3,815 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.5451% | 1,090 |
| Return on assets (ROA) | 1.5451% | 1,080 |
| Pretax return on assets | 1.9135% | 893 |
| Return on Equity (ROE) | 20.7600% | 678 |
| Retained earnings to average equity (ytd only) | 20.7618% | 333 |
| Net charge-offs to loans | 0.1030% | 591 |
| Credit loss provision to net charge-offs | 104.6512% | 1,090 |
| Earnings coverage of net charge-offs (x) | 29.0698% | 1,320 |
| Efficiency ratio | 49.1456% | 4,013 |
| Assets per employee ($millions) | 8.1835% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,314 |
| Loan loss allowance to noncurrent loans | 742.7083% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 2,728 |
| Noncurrent loans to loans | 0.1678% | 2,652 |
| Net loans and leases to total assets | 66.8300% | 1,969 |
| Net loans and leases to deposits | 73.2541% | 2,366 |
| Net loans and leases to core deposits | 79.9669% | 2,254 |
| Total domestic deposits to total assets | 91.2300% | 724 |
| Equity capital to assets | 7.8077% | 3,381 |
| Core capital (leverage) ratio | 9.3991% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $251,896,500 | 2,719 |
| Average earning assets | $240,729,000 | 2,666 |
| Average equity | $18,746,000 | 2,999 |
| Average total loans | $167,063,000 | 2,570 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 1,939 |
| Cost of funding earning assets | 0.2773% | 3,069 |
| Net interest margin | 3.6423% | 1,515 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.6984% | 4,185 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.5561% | 770 |
| Return on assets (ROA) | 1.5561% | 733 |
| Pretax return on assets | 1.9252% | 548 |
| Return on Equity (ROE) | 21.4300% | 369 |
| Retained earnings to average equity (ytd only) | 16.9256% | 178 |
| Net charge-offs to loans | -0.0093% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.9657% | 4,346 |
| Assets per employee ($millions) | 8.0679% | 1,284 |
| Cash dividends to net income (ytd only)* | 21.0191% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 1,824 |
| Loan loss allowance to noncurrent loans | 661.9195% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 2,617 |
| Noncurrent loans to loans | 0.1988% | 2,491 |
| Net loans and leases to total assets | 64.1000% | 2,233 |
| Net loans and leases to deposits | 72.1609% | 2,393 |
| Net loans and leases to core deposits | 77.2082% | 2,331 |
| Total domestic deposits to total assets | 88.8300% | 1,770 |
| Equity capital to assets | 7.0710% | 3,628 |
| Core capital (leverage) ratio | 9.2841% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $252,236,200 | 2,713 |
| Average earning assets | $236,527,400 | 2,697 |
| Average equity | $18,315,400 | 3,098 |
| Average total loans | $150,760,600 | 2,628 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7952% | 1,778 |
| Cost of funding earning assets | 0.2601% | 2,602 |
| Net interest margin | 3.5351% | 1,560 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.6536% | 4,236 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.5086% | 837 |
| Return on assets (ROA) | 1.5086% | 811 |
| Pretax return on assets | 1.8673% | 635 |
| Return on Equity (ROE) | 20.6400% | 388 |
| Retained earnings to average equity (ytd only) | 19.2348% | 127 |
| Net charge-offs to loans | -0.0063% | 3,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.0352% | 4,379 |
| Assets per employee ($millions) | 7.8630% | 1,393 |
| Cash dividends to net income (ytd only)* | 6.8182% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 1,665 |
| Loan loss allowance to noncurrent loans | 582.6816% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 2,579 |
| Noncurrent loans to loans | 0.2370% | 2,441 |
| Net loans and leases to total assets | 61.1000% | 2,391 |
| Net loans and leases to deposits | 65.7804% | 2,738 |
| Net loans and leases to core deposits | 70.2828% | 2,621 |
| Total domestic deposits to total assets | 92.8900% | 612 |
| Equity capital to assets | 6.9841% | 3,530 |
| Core capital (leverage) ratio | 8.8874% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6744% | 1,052 |
| Memoranda: | ||
| Average total assets | $252,768,750 | 2,734 |
| Average earning assets | $236,783,750 | 2,707 |
| Average equity | $18,473,000 | 3,116 |
| Average total loans | $147,838,250 | 2,660 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5976% | 1,852 |
| Cost of funding earning assets | 0.2767% | 1,940 |
| Net interest margin | 3.3208% | 1,848 |
| Noninterest income to average assets | 0.2729% | 3,534 |
| Noninterest expense to average assets | 1.6202% | 4,280 |
| Loan and lease loss provision to assets | 0.0704% | 1,357 |
| Net operating income to assets | 1.3457% | 1,033 |
| Return on assets (ROA) | 1.3457% | 1,013 |
| Pretax return on assets | 1.6601% | 829 |
| Return on Equity (ROE) | 18.1578% | 457 |
| Retained earnings to average equity (ytd only) | 17.2083% | 139 |
| Net charge-offs to loans | -0.0082% | 3,515 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3547% | 4,332 |
| Assets per employee ($millions) | 8.5496% | 1,046 |
| Cash dividends to net income (ytd only)* | 5.2295% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 1,874 |
| Loan loss allowance to noncurrent loans | 503.7037% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 2,602 |
| Noncurrent loans to loans | 0.2726% | 2,387 |
| Net loans and leases to total assets | 57.1360% | 2,625 |
| Net loans and leases to deposits | 61.4424% | 2,932 |
| Net loans and leases to core deposits | 65.2939% | 2,874 |
| Total domestic deposits to total assets | 92.9911% | 518 |
| Equity capital to assets | 6.8962% | 3,822 |
| Core capital (leverage) ratio | 8.2350% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7340% | 1,030 |
| Memoranda: | ||
| Average total assets | $255,773,667 | 2,735 |
| Average earning assets | $237,050,000 | 2,740 |
| Average equity | $18,956,000 | 3,155 |
| Average total loans | $146,775,000 | 2,676 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4575% | 1,928 |
| Cost of funding earning assets | 0.3328% | 1,345 |
| Net interest margin | 3.1247% | 2,092 |
| Noninterest income to average assets | 0.2662% | 3,533 |
| Noninterest expense to average assets | 1.6444% | 4,221 |
| Loan and lease loss provision to assets | 0.0705% | 1,166 |
| Net operating income to assets | 1.1432% | 1,398 |
| Return on assets (ROA) | 1.1432% | 1,395 |
| Pretax return on assets | 1.3891% | 1,278 |
| Return on Equity (ROE) | 14.9056% | 667 |
| Retained earnings to average equity (ytd only) | 14.9056% | 294 |
| Net charge-offs to loans | -0.0631% | 4,340 |
| Credit loss provision to net charge-offs | -195.6522% | 2,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9768% | 4,126 |
| Assets per employee ($millions) | 8.3490% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 2,020 |
| Loan loss allowance to noncurrent loans | 477.9097% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 2,664 |
| Noncurrent loans to loans | 0.2872% | 2,443 |
| Net loans and leases to total assets | 55.8686% | 2,543 |
| Net loans and leases to deposits | 60.5709% | 2,846 |
| Net loans and leases to core deposits | 64.9737% | 2,722 |
| Total domestic deposits to total assets | 92.2367% | 494 |
| Equity capital to assets | 7.2471% | 4,076 |
| Core capital (leverage) ratio | 8.1181% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7626% | 1,570 |
| Memoranda: | ||
| Average total assets | $255,416,500 | 2,750 |
| Average earning assets | $231,960,000 | 2,788 |
| Average equity | $19,590,000 | 3,176 |
| Average total loans | $145,869,000 | 2,680 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 1,955 |
| Cost of funding earning assets | 0.4605% | 1,125 |
| Net interest margin | 3.3031% | 2,308 |
| Noninterest income to average assets | 0.3176% | 3,510 |
| Noninterest expense to average assets | 1.7220% | 4,267 |
| Loan and lease loss provision to assets | 0.1284% | 952 |
| Net operating income to assets | 1.2320% | 1,805 |
| Return on assets (ROA) | 1.2327% | 1,861 |
| Pretax return on assets | 1.5109% | 1,683 |
| Return on Equity (ROE) | 14.5015% | 1,066 |
| Retained earnings to average equity (ytd only) | 10.6495% | 774 |
| Net charge-offs to loans | 0.0516% | 1,294 |
| Credit loss provision to net charge-offs | 428.5714% | 879 |
| Earnings coverage of net charge-offs (x) | 54.6857% | 1,244 |
| Efficiency ratio | 51.2419% | 4,183 |
| Assets per employee ($millions) | 8.4004% | 1,121 |
| Cash dividends to net income (ytd only)* | 26.5625% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 2,187 |
| Loan loss allowance to noncurrent loans | 437.8378% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 2,704 |
| Noncurrent loans to loans | 0.3059% | 2,495 |
| Net loans and leases to total assets | 56.8157% | 2,504 |
| Net loans and leases to deposits | 62.6962% | 2,809 |
| Net loans and leases to core deposits | 67.5500% | 2,686 |
| Total domestic deposits to total assets | 90.6207% | 659 |
| Equity capital to assets | 8.1039% | 4,302 |
| Core capital (leverage) ratio | 8.3577% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7448% | 1,327 |
| Memoranda: | ||
| Average total assets | $233,629,000 | 2,829 |
| Average earning assets | $215,221,600 | 2,840 |
| Average equity | $19,860,000 | 3,229 |
| Average total loans | $135,570,600 | 2,777 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7751% | 2,077 |
| Cost of funding earning assets | 0.4910% | 1,096 |
| Net interest margin | 3.2841% | 2,464 |
| Noninterest income to average assets | 0.3132% | 3,550 |
| Noninterest expense to average assets | 1.7744% | 4,212 |
| Loan and lease loss provision to assets | 0.1310% | 880 |
| Net operating income to assets | 1.2064% | 2,148 |
| Return on assets (ROA) | 1.2074% | 2,201 |
| Pretax return on assets | 1.4734% | 2,067 |
| Return on Equity (ROE) | 14.0232% | 1,382 |
| Retained earnings to average equity (ytd only) | 12.8061% | 669 |
| Net charge-offs to loans | 0.0791% | 875 |
| Credit loss provision to net charge-offs | 284.8101% | 1,032 |
| Earnings coverage of net charge-offs (x) | 34.8608% | 1,449 |
| Efficiency ratio | 52.5336% | 3,981 |
| Assets per employee ($millions) | 7.9332% | 1,301 |
| Cash dividends to net income (ytd only)* | 8.6789% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 2,352 |
| Loan loss allowance to noncurrent loans | 449.2754% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 2,960 |
| Noncurrent loans to loans | 0.2956% | 2,729 |
| Net loans and leases to total assets | 58.0629% | 2,487 |
| Net loans and leases to deposits | 64.5678% | 2,785 |
| Net loans and leases to core deposits | 70.1035% | 2,588 |
| Total domestic deposits to total assets | 89.9255% | 803 |
| Equity capital to assets | 8.6724% | 4,088 |
| Core capital (leverage) ratio | 8.4665% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6580% | 1,200 |
| Memoranda: | ||
| Average total assets | $229,033,000 | 2,883 |
| Average earning assets | $213,712,250 | 2,879 |
| Average equity | $19,719,250 | 3,280 |
| Average total loans | $133,181,500 | 2,846 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 1,997 |
| Cost of funding earning assets | 0.5290% | 1,037 |
| Net interest margin | 3.3000% | 2,434 |
| Noninterest income to average assets | 0.3150% | 3,541 |
| Noninterest expense to average assets | 1.7758% | 4,234 |
| Loan and lease loss provision to assets | 0.1327% | 932 |
| Net operating income to assets | 1.2178% | 2,120 |
| Return on assets (ROA) | 1.2192% | 2,191 |
| Pretax return on assets | 1.4935% | 2,036 |
| Return on Equity (ROE) | 14.1972% | 1,353 |
| Retained earnings to average equity (ytd only) | 13.2699% | 675 |
| Net charge-offs to loans | 0.1100% | 695 |
| Credit loss provision to net charge-offs | 208.3333% | 1,035 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,404 |
| Efficiency ratio | 52.2248% | 4,020 |
| Assets per employee ($millions) | 7.8324% | 1,287 |
| Cash dividends to net income (ytd only)* | 6.5312% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,461 |
| Loan loss allowance to noncurrent loans | 361.2903% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 2,886 |
| Noncurrent loans to loans | 0.3585% | 2,615 |
| Net loans and leases to total assets | 58.1205% | 2,655 |
| Net loans and leases to deposits | 64.5185% | 2,947 |
| Net loans and leases to core deposits | 69.7536% | 2,811 |
| Total domestic deposits to total assets | 90.0835% | 733 |
| Equity capital to assets | 8.5317% | 4,179 |
| Core capital (leverage) ratio | 8.2106% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,045,000 | 2,902 |
| Average earning assets | $211,331,333 | 2,896 |
| Average equity | $19,412,333 | 3,295 |
| Average total loans | $130,892,667 | 2,888 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7626% | 2,211 |
| Cost of funding earning assets | 0.5674% | 1,016 |
| Net interest margin | 3.1952% | 2,715 |
| Noninterest income to average assets | 0.2997% | 3,614 |
| Noninterest expense to average assets | 1.8052% | 4,211 |
| Loan and lease loss provision to assets | 0.1354% | 997 |
| Net operating income to assets | 1.0723% | 2,564 |
| Return on assets (ROA) | 1.0723% | 2,645 |
| Pretax return on assets | 1.3070% | 2,556 |
| Return on Equity (ROE) | 12.4430% | 1,857 |
| Retained earnings to average equity (ytd only) | 12.4430% | 1,042 |
| Net charge-offs to loans | 0.1384% | 543 |
| Credit loss provision to net charge-offs | 170.4545% | 945 |
| Earnings coverage of net charge-offs (x) | 18.1591% | 1,282 |
| Efficiency ratio | 55.5864% | 3,590 |
| Assets per employee ($millions) | 7.8145% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 2,228 |
| Loan loss allowance to noncurrent loans | 192.1806% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 2,251 |
| Noncurrent loans to loans | 0.6995% | 1,843 |
| Net loans and leases to total assets | 54.6217% | 3,176 |
| Net loans and leases to deposits | 60.4374% | 3,448 |
| Net loans and leases to core deposits | 65.1493% | 3,306 |
| Total domestic deposits to total assets | 90.3773% | 628 |
| Equity capital to assets | 8.1711% | 4,381 |
| Core capital (leverage) ratio | 8.4681% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,581,500 | 2,915 |
| Average earning assets | $204,433,000 | 2,933 |
| Average equity | $19,095,000 | 3,321 |
| Average total loans | $127,159,500 | 2,933 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3065% | 1,851 |
| Cost of funding earning assets | 0.7777% | 1,307 |
| Net interest margin | 3.5287% | 2,381 |
| Noninterest income to average assets | 0.3184% | 3,555 |
| Noninterest expense to average assets | 1.9758% | 4,183 |
| Loan and lease loss provision to assets | 0.2215% | 1,766 |
| Net operating income to assets | 1.1860% | 1,594 |
| Return on assets (ROA) | 1.1860% | 1,705 |
| Pretax return on assets | 1.4497% | 1,510 |
| Return on Equity (ROE) | 12.7700% | 1,100 |
| Retained earnings to average equity (ytd only) | 8.6927% | 857 |
| Net charge-offs to loans | 0.0824% | 1,647 |
| Credit loss provision to net charge-offs | 421.5686% | 1,383 |
| Earnings coverage of net charge-offs (x) | 31.8039% | 1,559 |
| Efficiency ratio | 54.1743% | 4,195 |
| Assets per employee ($millions) | 6.9576% | 1,610 |
| Cash dividends to net income (ytd only)* | 31.9288% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 2,068 |
| Loan loss allowance to noncurrent loans | 186.1021% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 2,260 |
| Noncurrent loans to loans | 0.7396% | 1,853 |
| Net loans and leases to total assets | 58.8362% | 3,001 |
| Net loans and leases to deposits | 65.8345% | 3,284 |
| Net loans and leases to core deposits | 71.4855% | 3,131 |
| Total domestic deposits to total assets | 89.3698% | 820 |
| Equity capital to assets | 9.1191% | 3,955 |
| Core capital (leverage) ratio | 8.8275% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,102,800 | 2,993 |
| Average earning assets | $183,096,600 | 2,970 |
| Average equity | $18,026,600 | 3,363 |
| Average total loans | $123,840,000 | 2,940 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 1,847 |
| Cost of funding earning assets | 0.8208% | 1,394 |
| Net interest margin | 3.5803% | 2,336 |
| Noninterest income to average assets | 0.3220% | 3,557 |
| Noninterest expense to average assets | 2.0555% | 4,034 |
| Loan and lease loss provision to assets | 0.2484% | 1,631 |
| Net operating income to assets | 1.1587% | 1,791 |
| Return on assets (ROA) | 1.1587% | 1,904 |
| Pretax return on assets | 1.4198% | 1,665 |
| Return on Equity (ROE) | 12.4143% | 1,269 |
| Retained earnings to average equity (ytd only) | 11.0641% | 560 |
| Net charge-offs to loans | 0.1024% | 1,290 |
| Credit loss provision to net charge-offs | 373.6842% | 1,539 |
| Earnings coverage of net charge-offs (x) | 25.0842% | 1,734 |
| Efficiency ratio | 55.1983% | 4,014 |
| Assets per employee ($millions) | 6.7112% | 1,671 |
| Cash dividends to net income (ytd only)* | 10.8761% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 2,239 |
| Loan loss allowance to noncurrent loans | 163.4195% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 2,207 |
| Noncurrent loans to loans | 0.7841% | 1,859 |
| Net loans and leases to total assets | 62.9035% | 2,896 |
| Net loans and leases to deposits | 70.7203% | 3,244 |
| Net loans and leases to core deposits | 76.8174% | 3,111 |
| Total domestic deposits to total assets | 88.9469% | 792 |
| Equity capital to assets | 9.4096% | 3,762 |
| Core capital (leverage) ratio | 9.0122% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,446,750 | 3,008 |
| Average earning assets | $180,948,000 | 2,970 |
| Average equity | $17,774,750 | 3,387 |
| Average total loans | $123,669,750 | 2,948 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5782% | 1,697 |
| Cost of funding earning assets | 0.8884% | 1,430 |
| Net interest margin | 3.6898% | 2,204 |
| Noninterest income to average assets | 0.3255% | 3,516 |
| Noninterest expense to average assets | 2.1379% | 3,953 |
| Loan and lease loss provision to assets | 0.2998% | 1,437 |
| Net operating income to assets | 1.1262% | 1,885 |
| Return on assets (ROA) | 1.1262% | 2,001 |
| Pretax return on assets | 1.3735% | 1,792 |
| Return on Equity (ROE) | 12.1026% | 1,308 |
| Retained earnings to average equity (ytd only) | 11.0672% | 591 |
| Net charge-offs to loans | 0.0802% | 1,445 |
| Credit loss provision to net charge-offs | 571.4286% | 1,140 |
| Earnings coverage of net charge-offs (x) | 31.8980% | 1,387 |
| Efficiency ratio | 56.0955% | 3,931 |
| Assets per employee ($millions) | 6.4859% | 1,795 |
| Cash dividends to net income (ytd only)* | 8.5551% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,071 |
| Loan loss allowance to noncurrent loans | 172.3586% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 2,393 |
| Noncurrent loans to loans | 0.7462% | 2,013 |
| Net loans and leases to total assets | 63.7088% | 2,918 |
| Net loans and leases to deposits | 71.6804% | 3,291 |
| Net loans and leases to core deposits | 79.7558% | 2,969 |
| Total domestic deposits to total assets | 88.8789% | 795 |
| Equity capital to assets | 9.4534% | 3,700 |
| Core capital (leverage) ratio | 9.1190% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,816,667 | 3,027 |
| Average earning assets | $176,488,000 | 2,996 |
| Average equity | $17,384,667 | 3,427 |
| Average total loans | $122,129,000 | 2,950 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 2,063 |
| Cost of funding earning assets | 0.9932% | 1,446 |
| Net interest margin | 3.5865% | 2,713 |
| Noninterest income to average assets | 0.3608% | 3,359 |
| Noninterest expense to average assets | 2.2172% | 3,969 |
| Loan and lease loss provision to assets | 0.1203% | 2,189 |
| Net operating income to assets | 1.1239% | 1,773 |
| Return on assets (ROA) | 1.1239% | 1,870 |
| Pretax return on assets | 1.3710% | 1,649 |
| Return on Equity (ROE) | 12.1801% | 1,058 |
| Retained earnings to average equity (ytd only) | 12.1801% | 403 |
| Net charge-offs to loans | 0.0631% | 1,381 |
| Credit loss provision to net charge-offs | 289.4737% | 1,204 |
| Earnings coverage of net charge-offs (x) | 35.8947% | 1,074 |
| Efficiency ratio | 59.7877% | 3,764 |
| Assets per employee ($millions) | 6.3573% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 2,909 |
| Loan loss allowance to noncurrent loans | 304.9356% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 3,441 |
| Noncurrent loans to loans | 0.3788% | 3,129 |
| Net loans and leases to total assets | 65.9570% | 2,822 |
| Net loans and leases to deposits | 74.1267% | 3,263 |
| Net loans and leases to core deposits | 85.0206% | 2,761 |
| Total domestic deposits to total assets | 88.9787% | 676 |
| Equity capital to assets | 9.2471% | 4,434 |
| Core capital (leverage) ratio | 9.1886% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,937,000 | 3,024 |
| Average earning assets | $170,753,000 | 3,015 |
| Average equity | $16,880,000 | 3,483 |
| Average total loans | $120,405,000 | 2,948 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 2,924 |
| Cost of funding earning assets | 0.9553% | 1,929 |
| Net interest margin | 3.5505% | 3,288 |
| Noninterest income to average assets | 0.3774% | 3,440 |
| Noninterest expense to average assets | 2.1741% | 4,216 |
| Loan and lease loss provision to assets | 0.2469% | 751 |
| Net operating income to assets | 1.1203% | 2,367 |
| Return on assets (ROA) | 1.1164% | 2,474 |
| Pretax return on assets | 1.3669% | 2,278 |
| Return on Equity (ROE) | 11.9034% | 1,551 |
| Retained earnings to average equity (ytd only) | 7.7664% | 1,053 |
| Net charge-offs to loans | 0.0555% | 2,307 |
| Credit loss provision to net charge-offs | 666.6667% | 473 |
| Earnings coverage of net charge-offs (x) | 43.6984% | 1,234 |
| Efficiency ratio | 57.3244% | 4,048 |
| Assets per employee ($millions) | 6.7227% | 1,168 |
| Cash dividends to net income (ytd only)* | 34.7551% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 2,572 |
| Loan loss allowance to noncurrent loans | 304.1758% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 3,434 |
| Noncurrent loans to loans | 0.3863% | 3,053 |
| Net loans and leases to total assets | 64.1309% | 3,180 |
| Net loans and leases to deposits | 72.0165% | 3,521 |
| Net loans and leases to core deposits | 85.1986% | 2,855 |
| Total domestic deposits to total assets | 89.0504% | 648 |
| Equity capital to assets | 9.2071% | 4,564 |
| Core capital (leverage) ratio | 9.3751% | 4,194 |
| Tier 1 risk-based capital ratio | 14.0949% | 3,219 |
| Total risk-based capital ratio | 15.2785% | 3,168 |
| Memoranda: | ||
| Average total assets | $170,097,000 | 3,112 |
| Average earning assets | $163,612,800 | 3,053 |
| Average equity | $15,953,400 | 3,549 |
| Average total loans | $113,438,000 | 3,029 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 3,094 |
| Cost of funding earning assets | 0.9367% | 2,056 |
| Net interest margin | 3.5514% | 3,401 |
| Noninterest income to average assets | 0.3667% | 3,517 |
| Noninterest expense to average assets | 2.1924% | 4,193 |
| Loan and lease loss provision to assets | 0.2870% | 516 |
| Net operating income to assets | 1.0702% | 2,688 |
| Return on assets (ROA) | 1.0643% | 2,800 |
| Pretax return on assets | 1.2987% | 2,677 |
| Return on Equity (ROE) | 11.2915% | 1,901 |
| Retained earnings to average equity (ytd only) | 9.7690% | 807 |
| Net charge-offs to loans | 0.0866% | 1,614 |
| Credit loss provision to net charge-offs | 493.1507% | 640 |
| Earnings coverage of net charge-offs (x) | 27.3701% | 1,716 |
| Efficiency ratio | 57.9191% | 3,948 |
| Assets per employee ($millions) | 6.0319% | 1,583 |
| Cash dividends to net income (ytd only)* | 13.4829% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 2,840 |
| Loan loss allowance to noncurrent loans | 292.2222% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 3,531 |
| Noncurrent loans to loans | 0.3891% | 3,153 |
| Net loans and leases to total assets | 65.3562% | 3,133 |
| Net loans and leases to deposits | 73.7581% | 3,494 |
| Net loans and leases to core deposits | 88.5184% | 2,682 |
| Total domestic deposits to total assets | 88.6089% | 780 |
| Equity capital to assets | 9.5263% | 4,428 |
| Core capital (leverage) ratio | 9.5165% | 4,150 |
| Tier 1 risk-based capital ratio | 15.4877% | 2,643 |
| Total risk-based capital ratio | 16.7298% | 2,583 |
| Memoranda: | ||
| Average total assets | $167,243,000 | 3,155 |
| Average earning assets | $160,983,500 | 3,105 |
| Average equity | $15,763,750 | 3,601 |
| Average total loans | $112,350,000 | 3,082 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 3,145 |
| Cost of funding earning assets | 0.8770% | 2,264 |
| Net interest margin | 3.5834% | 3,318 |
| Noninterest income to average assets | 0.3826% | 3,384 |
| Noninterest expense to average assets | 2.2443% | 4,139 |
| Loan and lease loss provision to assets | 0.3643% | 346 |
| Net operating income to assets | 0.9999% | 2,921 |
| Return on assets (ROA) | 0.9910% | 3,027 |
| Pretax return on assets | 1.2169% | 2,849 |
| Return on Equity (ROE) | 10.5538% | 2,154 |
| Retained earnings to average equity (ytd only) | 9.3898% | 935 |
| Net charge-offs to loans | 0.0917% | 1,444 |
| Credit loss provision to net charge-offs | 588.2353% | 537 |
| Earnings coverage of net charge-offs (x) | 25.7059% | 1,587 |
| Efficiency ratio | 58.4995% | 3,935 |
| Assets per employee ($millions) | 6.1043% | 1,469 |
| Cash dividends to net income (ytd only)* | 11.0294% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 3,012 |
| Loan loss allowance to noncurrent loans | 288.2619% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 3,534 |
| Noncurrent loans to loans | 0.3857% | 3,148 |
| Net loans and leases to total assets | 66.4547% | 3,045 |
| Net loans and leases to deposits | 74.9449% | 3,431 |
| Net loans and leases to core deposits | 87.6847% | 2,830 |
| Total domestic deposits to total assets | 88.6714% | 796 |
| Equity capital to assets | 9.4623% | 4,441 |
| Core capital (leverage) ratio | 9.4618% | 4,188 |
| Tier 1 risk-based capital ratio | 13.7256% | 3,467 |
| Total risk-based capital ratio | 14.8340% | 3,433 |
| Memoranda: | ||
| Average total assets | $164,682,000 | 3,199 |
| Average earning assets | $158,731,670 | 3,141 |
| Average equity | $15,463,670 | 3,637 |
| Average total loans | $111,253,330 | 3,111 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4368% | 3,091 |
| Cost of funding earning assets | 0.8226% | 2,408 |
| Net interest margin | 3.6142% | 3,204 |
| Noninterest income to average assets | 0.3912% | 3,247 |
| Noninterest expense to average assets | 2.2951% | 4,033 |
| Loan and lease loss provision to assets | 0.3714% | 312 |
| Net operating income to assets | 0.9964% | 2,857 |
| Return on assets (ROA) | 0.9779% | 2,973 |
| Pretax return on assets | 1.1834% | 2,864 |
| Return on Equity (ROE) | 10.4573% | 2,172 |
| Retained earnings to average equity (ytd only) | 10.4573% | 930 |
| Net charge-offs to loans | -0.0219% | 4,523 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2711% | 3,914 |
| Assets per employee ($millions) | 6.6201% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 3,315 |
| Loan loss allowance to noncurrent loans | 239.1919% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 3,410 |
| Noncurrent loans to loans | 0.4464% | 2,986 |
| Net loans and leases to total assets | 66.2882% | 3,011 |
| Net loans and leases to deposits | 73.2380% | 3,515 |
| Net loans and leases to core deposits | 85.1672% | 2,942 |
| Total domestic deposits to total assets | 90.5107% | 285 |
| Equity capital to assets | 9.3183% | 4,414 |
| Core capital (leverage) ratio | 9.1117% | 4,561 |
| Tier 1 risk-based capital ratio | 13.7240% | 3,481 |
| Total risk-based capital ratio | 14.7967% | 3,492 |
| Memoranda: | ||
| Average total assets | $161,562,500 | 3,281 |
| Average earning assets | $155,608,000 | 3,209 |
| Average equity | $15,109,000 | 3,692 |
| Average total loans | $109,449,000 | 3,179 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 3,307 |
| Cost of funding earning assets | 0.5930% | 2,776 |
| Net interest margin | 3.6496% | 3,224 |
| Noninterest income to average assets | 0.4160% | 3,340 |
| Noninterest expense to average assets | 2.1574% | 4,435 |
| Loan and lease loss provision to assets | 0.2934% | 551 |
| Net operating income to assets | 1.2081% | 2,126 |
| Return on assets (ROA) | 1.2081% | 2,126 |
| Pretax return on assets | 1.4761% | 1,861 |
| Return on Equity (ROE) | 12.9875% | 1,359 |
| Retained earnings to average equity (ytd only) | 8.3616% | 1,098 |
| Net charge-offs to loans | 0.2387% | 818 |
| Credit loss provision to net charge-offs | 189.0756% | 1,511 |
| Earnings coverage of net charge-offs (x) | 11.4034% | 2,629 |
| Efficiency ratio | 54.9394% | 4,525 |
| Assets per employee ($millions) | 5.6294% | 1,835 |
| Cash dividends to net income (ytd only)* | 35.6179% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 3,954 |
| Loan loss allowance to noncurrent loans | 209.5918% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 3,318 |
| Noncurrent loans to loans | 0.4537% | 2,909 |
| Net loans and leases to total assets | 67.8700% | 2,893 |
| Net loans and leases to deposits | 76.0376% | 3,346 |
| Net loans and leases to core deposits | 86.5945% | 2,873 |
| Total domestic deposits to total assets | 89.2585% | 754 |
| Equity capital to assets | 9.3870% | 4,231 |
| Core capital (leverage) ratio | 9.7141% | 3,891 |
| Tier 1 risk-based capital ratio | 13.9054% | 3,326 |
| Total risk-based capital ratio | 14.8424% | 3,409 |
| Memoranda: | ||
| Average total assets | $153,376,800 | 3,349 |
| Average earning assets | $147,551,400 | 3,276 |
| Average equity | $14,267,600 | 3,720 |
| Average total loans | $99,698,800 | 3,296 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1866% | 3,365 |
| Cost of funding earning assets | 0.5223% | 3,040 |
| Net interest margin | 3.6643% | 3,148 |
| Noninterest income to average assets | 0.4175% | 3,372 |
| Noninterest expense to average assets | 2.1648% | 4,402 |
| Loan and lease loss provision to assets | 0.2626% | 584 |
| Net operating income to assets | 1.2421% | 2,072 |
| Return on assets (ROA) | 1.2421% | 2,081 |
| Pretax return on assets | 1.5152% | 1,851 |
| Return on Equity (ROE) | 13.3844% | 1,304 |
| Retained earnings to average equity (ytd only) | 11.6866% | 528 |
| Net charge-offs to loans | 0.2813% | 595 |
| Credit loss provision to net charge-offs | 145.6311% | 1,753 |
| Earnings coverage of net charge-offs (x) | 9.8592% | 2,621 |
| Efficiency ratio | 54.9067% | 4,519 |
| Assets per employee ($millions) | 6.5194% | 1,179 |
| Cash dividends to net income (ytd only)* | 12.6848% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 4,419 |
| Loan loss allowance to noncurrent loans | 72.2576% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.8040% | 1,834 |
| Noncurrent loans to loans | 1.1899% | 1,422 |
| Net loans and leases to total assets | 66.9909% | 3,071 |
| Net loans and leases to deposits | 76.3590% | 3,388 |
| Net loans and leases to core deposits | 86.0737% | 2,984 |
| Total domestic deposits to total assets | 87.7315% | 1,372 |
| Equity capital to assets | 9.2276% | 4,346 |
| Core capital (leverage) ratio | 9.7675% | 3,883 |
| Tier 1 risk-based capital ratio | 14.7482% | 2,993 |
| Total risk-based capital ratio | 15.6250% | 3,095 |
| Memoranda: | ||
| Average total assets | $152,315,500 | 3,391 |
| Average earning assets | $146,529,000 | 3,324 |
| Average equity | $14,135,500 | 3,762 |
| Average total loans | $97,622,250 | 3,370 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 3,530 |
| Cost of funding earning assets | 0.4481% | 3,371 |
| Net interest margin | 3.6301% | 3,196 |
| Noninterest income to average assets | 0.4386% | 3,229 |
| Noninterest expense to average assets | 2.1864% | 4,400 |
| Loan and lease loss provision to assets | 0.2385% | 664 |
| Net operating income to assets | 1.2323% | 2,049 |
| Return on assets (ROA) | 1.2323% | 2,046 |
| Pretax return on assets | 1.5027% | 1,806 |
| Return on Equity (ROE) | 13.2529% | 1,282 |
| Retained earnings to average equity (ytd only) | 11.9704% | 522 |
| Net charge-offs to loans | 0.1285% | 1,151 |
| Credit loss provision to net charge-offs | 295.0820% | 1,010 |
| Earnings coverage of net charge-offs (x) | 21.5410% | 1,773 |
| Efficiency ratio | 55.6680% | 4,521 |
| Assets per employee ($millions) | 5.8970% | 1,551 |
| Cash dividends to net income (ytd only)* | 9.6774% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 4,227 |
| Loan loss allowance to noncurrent loans | 204.1485% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 3,565 |
| Noncurrent loans to loans | 0.4525% | 3,080 |
| Net loans and leases to total assets | 65.4029% | 3,224 |
| Net loans and leases to deposits | 73.7890% | 3,561 |
| Net loans and leases to core deposits | 83.2921% | 3,143 |
| Total domestic deposits to total assets | 88.6350% | 1,079 |
| Equity capital to assets | 9.2753% | 4,312 |
| Core capital (leverage) ratio | 9.8600% | 3,725 |
| Tier 1 risk-based capital ratio | 15.8983% | 2,474 |
| Total risk-based capital ratio | 16.8966% | 2,519 |
| Memoranda: | ||
| Average total assets | $150,932,000 | 3,424 |
| Average earning assets | $145,063,000 | 3,357 |
| Average equity | $14,034,670 | 3,794 |
| Average total loans | $94,920,670 | 3,429 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 3,736 |
| Cost of funding earning assets | 0.4035% | 3,552 |
| Net interest margin | 3.5617% | 3,311 |
| Noninterest income to average assets | 0.4141% | 3,360 |
| Noninterest expense to average assets | 2.1264% | 4,594 |
| Loan and lease loss provision to assets | 0.1603% | 1,123 |
| Net operating income to assets | 1.2689% | 1,748 |
| Return on assets (ROA) | 1.2689% | 1,756 |
| Pretax return on assets | 1.5467% | 1,540 |
| Return on Equity (ROE) | 13.6284% | 1,104 |
| Retained earnings to average equity (ytd only) | 13.6284% | 445 |
| Net charge-offs to loans | 0.0479% | 1,634 |
| Credit loss provision to net charge-offs | 545.4545% | 553 |
| Earnings coverage of net charge-offs (x) | 58.0909% | 859 |
| Efficiency ratio | 55.4704% | 4,648 |
| Assets per employee ($millions) | 5.9907% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 4,368 |
| Loan loss allowance to noncurrent loans | 184.0426% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 3,576 |
| Noncurrent loans to loans | 0.4982% | 3,024 |
| Net loans and leases to total assets | 62.4092% | 3,500 |
| Net loans and leases to deposits | 68.9233% | 3,884 |
| Net loans and leases to core deposits | 76.8318% | 3,594 |
| Total domestic deposits to total assets | 90.5487% | 457 |
| Equity capital to assets | 9.2784% | 4,285 |
| Core capital (leverage) ratio | 9.4696% | 4,100 |
| Tier 1 risk-based capital ratio | 15.8462% | 2,540 |
| Total risk-based capital ratio | 16.7900% | 2,590 |
| Memoranda: | ||
| Average total assets | $149,737,000 | 3,471 |
| Average earning assets | $143,751,000 | 3,411 |
| Average equity | $13,941,500 | 3,836 |
| Average total loans | $91,775,000 | 3,507 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 4,203 |
| Cost of funding earning assets | 0.4004% | 3,252 |
| Net interest margin | 3.3554% | 3,992 |
| Noninterest income to average assets | 0.4073% | 3,588 |
| Noninterest expense to average assets | 2.0318% | 4,910 |
| Loan and lease loss provision to assets | 0.1202% | 1,907 |
| Net operating income to assets | 0.9960% | 2,261 |
| Return on assets (ROA) | 0.9842% | 2,345 |
| Pretax return on assets | 1.4389% | 1,857 |
| Return on Equity (ROE) | 10.7021% | 1,587 |
| Retained earnings to average equity (ytd only) | 6.3457% | 1,358 |
| Net charge-offs to loans | 0.1193% | 1,852 |
| Credit loss provision to net charge-offs | 180.0000% | 1,505 |
| Earnings coverage of net charge-offs (x) | 23.6100% | 1,798 |
| Efficiency ratio | 56.3101% | 4,739 |
| Assets per employee ($millions) | 6.2378% | 1,359 |
| Cash dividends to net income (ytd only)* | 40.7056% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 4,395 |
| Loan loss allowance to noncurrent loans | 169.6466% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 3,590 |
| Noncurrent loans to loans | 0.5391% | 2,884 |
| Net loans and leases to total assets | 59.0491% | 3,916 |
| Net loans and leases to deposits | 65.1970% | 4,240 |
| Net loans and leases to core deposits | 74.5118% | 3,845 |
| Total domestic deposits to total assets | 90.5702% | 370 |
| Equity capital to assets | 9.3430% | 4,385 |
| Core capital (leverage) ratio | 9.3624% | 4,212 |
| Tier 1 risk-based capital ratio | 16.3429% | 2,318 |
| Total risk-based capital ratio | 17.2921% | 2,358 |
| Memoranda: | ||
| Average total assets | $149,766,400 | 3,472 |
| Average earning assets | $142,874,000 | 3,413 |
| Average equity | $13,773,000 | 3,874 |
| Average total loans | $83,791,800 | 3,663 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7206% | 4,264 |
| Cost of funding earning assets | 0.3993% | 3,198 |
| Net interest margin | 3.3213% | 4,101 |
| Noninterest income to average assets | 0.4068% | 3,640 |
| Noninterest expense to average assets | 2.0198% | 4,911 |
| Loan and lease loss provision to assets | 0.1068% | 1,988 |
| Net operating income to assets | 1.0305% | 2,409 |
| Return on assets (ROA) | 1.0361% | 2,425 |
| Pretax return on assets | 1.4501% | 1,943 |
| Return on Equity (ROE) | 11.3121% | 1,564 |
| Retained earnings to average equity (ytd only) | 9.8544% | 613 |
| Net charge-offs to loans | 0.1811% | 1,163 |
| Credit loss provision to net charge-offs | 107.1429% | 2,177 |
| Earnings coverage of net charge-offs (x) | 15.5357% | 2,221 |
| Efficiency ratio | 56.5977% | 4,662 |
| Assets per employee ($millions) | 6.5861% | 1,135 |
| Cash dividends to net income (ytd only)* | 12.8869% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 4,788 |
| Loan loss allowance to noncurrent loans | 151.0163% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 3,757 |
| Noncurrent loans to loans | 0.5571% | 3,027 |
| Net loans and leases to total assets | 57.8086% | 4,079 |
| Net loans and leases to deposits | 64.8861% | 4,328 |
| Net loans and leases to core deposits | 73.7336% | 3,999 |
| Total domestic deposits to total assets | 89.0924% | 833 |
| Equity capital to assets | 9.4606% | 4,479 |
| Core capital (leverage) ratio | 9.4189% | 4,265 |
| Tier 1 risk-based capital ratio | 17.1003% | 2,130 |
| Total risk-based capital ratio | 17.9957% | 2,189 |
| Memoranda: | ||
| Average total assets | $149,781,500 | 3,505 |
| Average earning assets | $142,590,750 | 3,443 |
| Average equity | $13,719,500 | 3,922 |
| Average total loans | $82,435,750 | 3,718 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6267% | 4,438 |
| Cost of funding earning assets | 0.3912% | 3,158 |
| Net interest margin | 3.2354% | 4,311 |
| Noninterest income to average assets | 0.4008% | 3,687 |
| Noninterest expense to average assets | 2.0172% | 4,939 |
| Loan and lease loss provision to assets | 0.0804% | 2,380 |
| Net operating income to assets | 0.9900% | 2,471 |
| Return on assets (ROA) | 0.9986% | 2,478 |
| Pretax return on assets | 1.3966% | 2,033 |
| Return on Equity (ROE) | 11.0242% | 1,636 |
| Retained earnings to average equity (ytd only) | 9.9144% | 601 |
| Net charge-offs to loans | -0.0249% | 4,864 |
| Credit loss provision to net charge-offs | -600.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9292% | 4,600 |
| Assets per employee ($millions) | 6.1280% | 1,370 |
| Cash dividends to net income (ytd only)* | 10.0671% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 4,375 |
| Loan loss allowance to noncurrent loans | 147.1664% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 3,691 |
| Noncurrent loans to loans | 0.6511% | 2,790 |
| Net loans and leases to total assets | 54.3140% | 4,366 |
| Net loans and leases to deposits | 59.8492% | 4,644 |
| Net loans and leases to core deposits | 70.0177% | 4,225 |
| Total domestic deposits to total assets | 90.7513% | 279 |
| Equity capital to assets | 9.1638% | 4,749 |
| Core capital (leverage) ratio | 9.0487% | 4,668 |
| Tier 1 risk-based capital ratio | 16.6637% | 2,255 |
| Total risk-based capital ratio | 17.6325% | 2,310 |
| Memoranda: | ||
| Average total assets | $149,215,000 | 3,532 |
| Average earning assets | $142,113,670 | 3,462 |
| Average equity | $13,515,670 | 3,957 |
| Average total loans | $80,477,000 | 3,783 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 4,563 |
| Cost of funding earning assets | 0.3847% | 3,148 |
| Net interest margin | 3.1600% | 4,471 |
| Noninterest income to average assets | 0.4266% | 3,469 |
| Noninterest expense to average assets | 2.0703% | 4,908 |
| Loan and lease loss provision to assets | 0.0815% | 2,186 |
| Net operating income to assets | 0.9292% | 2,620 |
| Return on assets (ROA) | 0.9292% | 2,672 |
| Pretax return on assets | 1.2878% | 2,277 |
| Return on Equity (ROE) | 10.3214% | 1,814 |
| Retained earnings to average equity (ytd only) | 10.3214% | 741 |
| Net charge-offs to loans | -0.0305% | 4,939 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1896% | 4,427 |
| Assets per employee ($millions) | 6.5340% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 4,434 |
| Loan loss allowance to noncurrent loans | 128.2862% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 3,593 |
| Noncurrent loans to loans | 0.7574% | 2,590 |
| Net loans and leases to total assets | 52.2854% | 4,490 |
| Net loans and leases to deposits | 57.5161% | 4,733 |
| Net loans and leases to core deposits | 66.6737% | 4,386 |
| Total domestic deposits to total assets | 90.9057% | 329 |
| Equity capital to assets | 8.9452% | 4,865 |
| Core capital (leverage) ratio | 9.1791% | 4,512 |
| Tier 1 risk-based capital ratio | 15.8018% | 2,619 |
| Total risk-based capital ratio | 16.7031% | 2,703 |
| Memoranda: | ||
| Average total assets | $147,222,500 | 3,588 |
| Average earning assets | $140,380,500 | 3,522 |
| Average equity | $13,254,000 | 4,022 |
| Average total loans | $78,708,500 | 3,844 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6292% | 4,439 |
| Cost of funding earning assets | 0.3920% | 3,076 |
| Net interest margin | 3.2372% | 4,337 |
| Noninterest income to average assets | 0.4092% | 3,807 |
| Noninterest expense to average assets | 2.1302% | 4,938 |
| Loan and lease loss provision to assets | 0.1336% | 1,868 |
| Net operating income to assets | 0.8991% | 2,822 |
| Return on assets (ROA) | 0.8971% | 2,959 |
| Pretax return on assets | 1.2198% | 2,589 |
| Return on Equity (ROE) | 9.6328% | 2,135 |
| Retained earnings to average equity (ytd only) | 5.6695% | 1,907 |
| Net charge-offs to loans | 0.1332% | 1,916 |
| Credit loss provision to net charge-offs | 197.9167% | 1,430 |
| Earnings coverage of net charge-offs (x) | 20.0938% | 1,872 |
| Efficiency ratio | 61.1010% | 4,399 |
| Assets per employee ($millions) | 6.0068% | 1,481 |
| Cash dividends to net income (ytd only)* | 41.1442% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 4,617 |
| Loan loss allowance to noncurrent loans | 3,340.9091% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 5,026 |
| Noncurrent loans to loans | 0.0282% | 5,153 |
| Net loans and leases to total assets | 53.6445% | 4,467 |
| Net loans and leases to deposits | 59.0626% | 4,733 |
| Net loans and leases to core deposits | 67.7103% | 4,418 |
| Total domestic deposits to total assets | 90.8264% | 332 |
| Equity capital to assets | 9.0626% | 4,750 |
| Core capital (leverage) ratio | 9.3833% | 4,241 |
| Tier 1 risk-based capital ratio | 16.5138% | 2,347 |
| Total risk-based capital ratio | 17.4311% | 2,421 |
| Memoranda: | ||
| Average total assets | $142,241,800 | 3,638 |
| Average earning assets | $135,210,400 | 3,570 |
| Average equity | $13,246,400 | 4,061 |
| Average total loans | $72,055,600 | 3,995 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6236% | 4,485 |
| Cost of funding earning assets | 0.3940% | 3,080 |
| Net interest margin | 3.2295% | 4,402 |
| Noninterest income to average assets | 0.4072% | 3,874 |
| Noninterest expense to average assets | 2.1256% | 4,955 |
| Loan and lease loss provision to assets | 0.1223% | 1,906 |
| Net operating income to assets | 0.9047% | 2,879 |
| Return on assets (ROA) | 0.9020% | 3,036 |
| Pretax return on assets | 1.2236% | 2,734 |
| Return on Equity (ROE) | 9.6197% | 2,217 |
| Retained earnings to average equity (ytd only) | 8.1151% | 1,129 |
| Net charge-offs to loans | 0.1134% | 1,813 |
| Credit loss provision to net charge-offs | 216.6667% | 1,355 |
| Earnings coverage of net charge-offs (x) | 23.9161% | 1,698 |
| Efficiency ratio | 61.1637% | 4,361 |
| Assets per employee ($millions) | 6.4295% | 1,153 |
| Cash dividends to net income (ytd only)* | 15.6417% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 4,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 5,154 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 52.6462% | 4,599 |
| Net loans and leases to deposits | 58.4559% | 4,853 |
| Net loans and leases to core deposits | 67.2485% | 4,528 |
| Total domestic deposits to total assets | 90.0614% | 462 |
| Equity capital to assets | 9.6827% | 4,480 |
| Core capital (leverage) ratio | 9.2555% | 4,524 |
| Tier 1 risk-based capital ratio | 23.2975% | 971 |
| Total risk-based capital ratio | 24.5475% | 955 |
| Memoranda: | ||
| Average total assets | $141,761,250 | 3,660 |
| Average earning assets | $134,670,750 | 3,596 |
| Average equity | $13,291,750 | 4,083 |
| Average total loans | $70,551,750 | 4,061 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5860% | 4,635 |
| Cost of funding earning assets | 0.3922% | 3,128 |
| Net interest margin | 3.1938% | 4,558 |
| Noninterest income to average assets | 0.4201% | 3,742 |
| Noninterest expense to average assets | 2.1570% | 4,939 |
| Loan and lease loss provision to assets | 0.0987% | 2,188 |
| Net operating income to assets | 0.8825% | 2,951 |
| Return on assets (ROA) | 0.8825% | 3,071 |
| Pretax return on assets | 1.1955% | 2,794 |
| Return on Equity (ROE) | 9.5158% | 2,265 |
| Retained earnings to average equity (ytd only) | 8.3758% | 1,052 |
| Net charge-offs to loans | 0.1130% | 1,696 |
| Credit loss provision to net charge-offs | 179.4872% | 1,406 |
| Earnings coverage of net charge-offs (x) | 23.5385% | 1,586 |
| Efficiency ratio | 62.5000% | 4,265 |
| Assets per employee ($millions) | 7.5037% | 696 |
| Cash dividends to net income (ytd only)* | 11.9808% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 4,850 |
| Loan loss allowance to noncurrent loans | 2,170.9677% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 5,152 |
| Noncurrent loans to loans | 0.0428% | 5,291 |
| Net loans and leases to total assets | 50.3023% | 4,823 |
| Net loans and leases to deposits | 55.7845% | 5,031 |
| Net loans and leases to core deposits | 65.2124% | 4,668 |
| Total domestic deposits to total assets | 90.1725% | 423 |
| Equity capital to assets | 9.5343% | 4,732 |
| Core capital (leverage) ratio | 9.1983% | 4,597 |
| Tier 1 risk-based capital ratio | 22.9319% | 1,022 |
| Total risk-based capital ratio | 24.1212% | 1,008 |
| Memoranda: | ||
| Average total assets | $141,865,670 | 3,676 |
| Average earning assets | $134,634,670 | 3,618 |
| Average equity | $13,157,000 | 4,131 |
| Average total loans | $69,009,670 | 4,112 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5568% | 4,748 |
| Cost of funding earning assets | 0.3869% | 3,222 |
| Net interest margin | 3.1699% | 4,676 |
| Noninterest income to average assets | 0.3985% | 3,842 |
| Noninterest expense to average assets | 2.1850% | 4,938 |
| Loan and lease loss provision to assets | 0.0848% | 2,262 |
| Net operating income to assets | 0.8480% | 2,995 |
| Return on assets (ROA) | 0.8480% | 3,124 |
| Pretax return on assets | 1.1391% | 2,937 |
| Return on Equity (ROE) | 9.2743% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.2743% | 1,034 |
| Net charge-offs to loans | 0.0238% | 2,458 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 108.2500% | 511 |
| Efficiency ratio | 64.0962% | 4,109 |
| Assets per employee ($millions) | 6.4593% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 4,745 |
| Loan loss allowance to noncurrent loans | 606.3636% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 5,266 |
| Noncurrent loans to loans | 0.1606% | 4,851 |
| Net loans and leases to total assets | 47.7369% | 4,985 |
| Net loans and leases to deposits | 52.7599% | 5,179 |
| Net loans and leases to core deposits | 60.7229% | 4,893 |
| Total domestic deposits to total assets | 90.4795% | 438 |
| Equity capital to assets | 9.2735% | 4,912 |
| Core capital (leverage) ratio | 8.7602% | 5,110 |
| Tier 1 risk-based capital ratio | 17.0223% | 2,281 |
| Total risk-based capital ratio | 17.9312% | 2,353 |
| Memoranda: | ||
| Average total assets | $141,513,500 | 3,711 |
| Average earning assets | $134,389,000 | 3,647 |
| Average equity | $12,939,000 | 4,174 |
| Average total loans | $67,320,000 | 4,182 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 5,106 |
| Cost of funding earning assets | 0.3747% | 3,428 |
| Net interest margin | 3.0498% | 5,024 |
| Noninterest income to average assets | 0.4218% | 3,877 |
| Noninterest expense to average assets | 2.1103% | 5,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8845% | 2,958 |
| Return on assets (ROA) | 0.8845% | 3,042 |
| Pretax return on assets | 1.1907% | 2,693 |
| Return on Equity (ROE) | 9.6102% | 2,170 |
| Retained earnings to average equity (ytd only) | 5.4405% | 2,112 |
| Net charge-offs to loans | -0.0576% | 5,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9283% | 4,277 |
| Assets per employee ($millions) | 6.4056% | 1,140 |
| Cash dividends to net income (ytd only)* | 43.3884% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 4,764 |
| Loan loss allowance to noncurrent loans | 1,234.6154% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 5,528 |
| Noncurrent loans to loans | 0.0786% | 5,191 |
| Net loans and leases to total assets | 46.4757% | 5,123 |
| Net loans and leases to deposits | 51.1304% | 5,331 |
| Net loans and leases to core deposits | 58.2634% | 5,091 |
| Total domestic deposits to total assets | 90.8964% | 307 |
| Equity capital to assets | 9.0120% | 5,108 |
| Core capital (leverage) ratio | 9.0389% | 4,835 |
| Tier 1 risk-based capital ratio | 17.0152% | 2,274 |
| Total risk-based capital ratio | 17.8944% | 2,371 |
| Memoranda: | ||
| Average total assets | $136,806,000 | 3,769 |
| Average earning assets | $129,154,000 | 3,717 |
| Average equity | $12,590,800 | 4,207 |
| Average total loans | $60,739,600 | 4,360 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4117% | 5,182 |
| Cost of funding earning assets | 0.3725% | 3,515 |
| Net interest margin | 3.0392% | 5,105 |
| Noninterest income to average assets | 0.4301% | 3,864 |
| Noninterest expense to average assets | 2.1329% | 5,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8691% | 3,089 |
| Return on assets (ROA) | 0.8691% | 3,177 |
| Pretax return on assets | 1.1656% | 2,947 |
| Return on Equity (ROE) | 9.3920% | 2,358 |
| Retained earnings to average equity (ytd only) | 7.8002% | 1,331 |
| Net charge-offs to loans | -0.0718% | 5,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6621% | 4,123 |
| Assets per employee ($millions) | 6.0906% | 1,304 |
| Cash dividends to net income (ytd only)* | 16.9496% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 4,718 |
| Loan loss allowance to noncurrent loans | 912.8571% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 5,567 |
| Noncurrent loans to loans | 0.1101% | 5,191 |
| Net loans and leases to total assets | 46.9670% | 5,153 |
| Net loans and leases to deposits | 52.1335% | 5,365 |
| Net loans and leases to core deposits | 58.2557% | 5,175 |
| Total domestic deposits to total assets | 90.0899% | 537 |
| Equity capital to assets | 9.6527% | 4,571 |
| Core capital (leverage) ratio | 9.2243% | 4,699 |
| Tier 1 risk-based capital ratio | 20.8034% | 1,383 |
| Total risk-based capital ratio | 21.8689% | 1,382 |
| Memoranda: | ||
| Average total assets | $135,776,750 | 3,830 |
| Average earning assets | $128,142,500 | 3,769 |
| Average equity | $12,563,500 | 4,256 |
| Average total loans | $59,390,250 | 4,441 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 5,257 |
| Cost of funding earning assets | 0.3747% | 3,554 |
| Net interest margin | 3.0143% | 5,189 |
| Noninterest income to average assets | 0.4282% | 3,866 |
| Noninterest expense to average assets | 2.1881% | 5,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8140% | 3,313 |
| Return on assets (ROA) | 0.8140% | 3,417 |
| Pretax return on assets | 1.0838% | 3,241 |
| Return on Equity (ROE) | 8.9228% | 2,591 |
| Retained earnings to average equity (ytd only) | 7.7170% | 1,384 |
| Net charge-offs to loans | -0.1138% | 5,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8758% | 3,855 |
| Assets per employee ($millions) | 6.4181% | 1,098 |
| Cash dividends to net income (ytd only)* | 13.5135% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 4,624 |
| Loan loss allowance to noncurrent loans | 1,163.6364% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 5,700 |
| Noncurrent loans to loans | 0.0900% | 5,385 |
| Net loans and leases to total assets | 44.8887% | 5,320 |
| Net loans and leases to deposits | 49.5686% | 5,528 |
| Net loans and leases to core deposits | 54.6724% | 5,387 |
| Total domestic deposits to total assets | 90.5587% | 434 |
| Equity capital to assets | 9.2781% | 4,925 |
| Core capital (leverage) ratio | 9.0145% | 4,950 |
| Tier 1 risk-based capital ratio | 18.0867% | 2,043 |
| Total risk-based capital ratio | 19.0340% | 2,087 |
| Memoranda: | ||
| Average total assets | $136,371,000 | 3,846 |
| Average earning assets | $128,652,670 | 3,784 |
| Average equity | $12,440,000 | 4,297 |
| Average total loans | $57,996,330 | 4,512 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3705% | 5,281 |
| Cost of funding earning assets | 0.3769% | 3,574 |
| Net interest margin | 2.9936% | 5,233 |
| Noninterest income to average assets | 0.4053% | 3,964 |
| Noninterest expense to average assets | 2.0617% | 5,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8690% | 2,908 |
| Return on assets (ROA) | 0.8690% | 3,026 |
| Pretax return on assets | 1.1694% | 2,787 |
| Return on Equity (ROE) | 9.6071% | 2,177 |
| Retained earnings to average equity (ytd only) | 9.6071% | 1,019 |
| Net charge-offs to loans | -0.1914% | 6,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8087% | 4,510 |
| Assets per employee ($millions) | 6.6188% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 4,598 |
| Loan loss allowance to noncurrent loans | 1,293.8776% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 5,797 |
| Noncurrent loans to loans | 0.0838% | 5,447 |
| Net loans and leases to total assets | 41.6191% | 5,510 |
| Net loans and leases to deposits | 45.9461% | 5,658 |
| Net loans and leases to core deposits | 51.9618% | 5,492 |
| Total domestic deposits to total assets | 90.5823% | 500 |
| Equity capital to assets | 9.0982% | 5,195 |
| Core capital (leverage) ratio | 8.6950% | 5,334 |
| Tier 1 risk-based capital ratio | 18.2538% | 2,072 |
| Total risk-based capital ratio | 19.2151% | 2,102 |
| Memoranda: | ||
| Average total assets | $137,166,500 | 3,857 |
| Average earning assets | $129,476,000 | 3,798 |
| Average equity | $12,407,500 | 4,335 |
| Average total loans | $56,424,000 | 4,593 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 5,405 |
| Cost of funding earning assets | 0.4391% | 3,287 |
| Net interest margin | 3.0267% | 5,389 |
| Noninterest income to average assets | 0.4547% | 3,801 |
| Noninterest expense to average assets | 2.1697% | 5,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8579% | 3,070 |
| Return on assets (ROA) | 0.8579% | 3,170 |
| Pretax return on assets | 1.1340% | 2,953 |
| Return on Equity (ROE) | 9.3437% | 2,416 |
| Retained earnings to average equity (ytd only) | 5.1391% | 2,505 |
| Net charge-offs to loans | -0.0233% | 5,729 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6752% | 4,309 |
| Assets per employee ($millions) | 6.4447% | 1,083 |
| Cash dividends to net income (ytd only)* | 45.0000% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 4,463 |
| Loan loss allowance to noncurrent loans | 1,190.1961% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 5,890 |
| Noncurrent loans to loans | 0.0938% | 5,517 |
| Net loans and leases to total assets | 39.7217% | 5,763 |
| Net loans and leases to deposits | 43.7335% | 5,886 |
| Net loans and leases to core deposits | 50.4069% | 5,697 |
| Total domestic deposits to total assets | 90.8267% | 420 |
| Equity capital to assets | 8.9915% | 5,300 |
| Core capital (leverage) ratio | 8.9755% | 5,031 |
| Tier 1 risk-based capital ratio | 20.4295% | 1,519 |
| Total risk-based capital ratio | 21.4859% | 1,522 |
| Memoranda: | ||
| Average total assets | $128,218,000 | 4,009 |
| Average earning assets | $120,694,000 | 3,951 |
| Average equity | $11,772,600 | 4,406 |
| Average total loans | $51,520,200 | 4,766 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5137% | 5,364 |
| Cost of funding earning assets | 0.4539% | 3,200 |
| Net interest margin | 3.0598% | 5,360 |
| Noninterest income to average assets | 0.4545% | 3,861 |
| Noninterest expense to average assets | 2.2050% | 5,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8578% | 3,137 |
| Return on assets (ROA) | 0.8594% | 3,220 |
| Pretax return on assets | 1.1304% | 3,069 |
| Return on Equity (ROE) | 9.3086% | 2,538 |
| Retained earnings to average equity (ytd only) | 7.9380% | 1,396 |
| Net charge-offs to loans | -0.0446% | 5,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1500% | 4,194 |
| Assets per employee ($millions) | 5.6496% | 1,598 |
| Cash dividends to net income (ytd only)* | 14.7243% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 4,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 42.6560% | 5,621 |
| Net loans and leases to deposits | 47.4392% | 5,797 |
| Net loans and leases to core deposits | 55.9279% | 5,454 |
| Total domestic deposits to total assets | 89.9173% | 779 |
| Equity capital to assets | 9.8148% | 4,401 |
| Core capital (leverage) ratio | 9.3413% | 4,583 |
| Tier 1 risk-based capital ratio | 21.5276% | 1,342 |
| Total risk-based capital ratio | 22.6414% | 1,344 |
| Memoranda: | ||
| Average total assets | $126,437,750 | 4,078 |
| Average earning assets | $118,959,750 | 4,017 |
| Average equity | $11,673,500 | 4,451 |
| Average total loans | $50,808,750 | 4,839 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4700% | 5,479 |
| Cost of funding earning assets | 0.4570% | 3,241 |
| Net interest margin | 3.0130% | 5,484 |
| Noninterest income to average assets | 0.4357% | 3,983 |
| Noninterest expense to average assets | 2.1974% | 5,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8139% | 3,261 |
| Return on assets (ROA) | 0.8163% | 3,347 |
| Pretax return on assets | 1.0727% | 3,202 |
| Return on Equity (ROE) | 9.0274% | 2,580 |
| Retained earnings to average equity (ytd only) | 7.9838% | 1,335 |
| Net charge-offs to loans | -0.0441% | 5,815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2605% | 4,152 |
| Assets per employee ($millions) | 5.8122% | 1,411 |
| Cash dividends to net income (ytd only)* | 11.5607% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 4,773 |
| Loan loss allowance to noncurrent loans | 60,600.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,284 |
| Noncurrent loans to loans | 0.0019% | 6,112 |
| Net loans and leases to total assets | 41.5112% | 5,710 |
| Net loans and leases to deposits | 45.8872% | 5,888 |
| Net loans and leases to core deposits | 55.2238% | 5,464 |
| Total domestic deposits to total assets | 90.4637% | 602 |
| Equity capital to assets | 9.3330% | 4,944 |
| Core capital (leverage) ratio | 9.0360% | 4,966 |
| Tier 1 risk-based capital ratio | 20.6553% | 1,524 |
| Total risk-based capital ratio | 21.7350% | 1,538 |
| Memoranda: | ||
| Average total assets | $127,153,000 | 4,091 |
| Average earning assets | $119,482,330 | 4,022 |
| Average equity | $11,498,330 | 4,498 |
| Average total loans | $49,868,330 | 4,904 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4087% | 5,628 |
| Cost of funding earning assets | 0.4576% | 3,342 |
| Net interest margin | 2.9511% | 5,642 |
| Noninterest income to average assets | 0.4227% | 4,007 |
| Noninterest expense to average assets | 2.2525% | 5,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7333% | 3,529 |
| Return on assets (ROA) | 0.7382% | 3,581 |
| Pretax return on assets | 0.9433% | 3,546 |
| Return on Equity (ROE) | 8.2975% | 2,801 |
| Retained earnings to average equity (ytd only) | 8.2975% | 1,500 |
| Net charge-offs to loans | 0.0083% | 3,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 297.0000% | 162 |
| Efficiency ratio | 70.6231% | 3,718 |
| Assets per employee ($millions) | 6.1147% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 4,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 38.3883% | 5,916 |
| Net loans and leases to deposits | 42.2157% | 6,067 |
| Net loans and leases to core deposits | 50.8248% | 5,702 |
| Total domestic deposits to total assets | 90.9337% | 601 |
| Equity capital to assets | 8.9301% | 5,183 |
| Core capital (leverage) ratio | 8.9313% | 5,099 |
| Tier 1 risk-based capital ratio | 20.9757% | 1,476 |
| Total risk-based capital ratio | 22.0717% | 1,483 |
| Memoranda: | ||
| Average total assets | $126,795,000 | 4,130 |
| Average earning assets | $118,872,000 | 4,071 |
| Average equity | $11,280,500 | 4,552 |
| Average total loans | $47,959,500 | 5,009 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4350% | 5,766 |
| Cost of funding earning assets | 0.5479% | 3,134 |
| Net interest margin | 2.8871% | 5,811 |
| Noninterest income to average assets | 0.4561% | 4,047 |
| Noninterest expense to average assets | 2.1455% | 5,738 |
| Loan and lease loss provision to assets | 0.1247% | 2,756 |
| Net operating income to assets | 0.7047% | 3,778 |
| Return on assets (ROA) | 0.7047% | 3,859 |
| Pretax return on assets | 0.8737% | 3,876 |
| Return on Equity (ROE) | 7.6404% | 3,222 |
| Retained earnings to average equity (ytd only) | 3.8464% | 3,467 |
| Net charge-offs to loans | -0.0793% | 6,431 |
| Credit loss provision to net charge-offs | -407.8947% | 6,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2446% | 4,152 |
| Assets per employee ($millions) | 5.9610% | 1,296 |
| Cash dividends to net income (ytd only)* | 49.6575% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 4,183 |
| Loan loss allowance to noncurrent loans | 11,900.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 6,432 |
| Noncurrent loans to loans | 0.0109% | 6,250 |
| Net loans and leases to total assets | 36.2962% | 6,188 |
| Net loans and leases to deposits | 39.9136% | 6,306 |
| Net loans and leases to core deposits | 47.3607% | 6,073 |
| Total domestic deposits to total assets | 90.9371% | 597 |
| Equity capital to assets | 8.8624% | 5,189 |
| Core capital (leverage) ratio | 8.9266% | 5,113 |
| Tier 1 risk-based capital ratio | 21.9190% | 1,274 |
| Total risk-based capital ratio | 23.0904% | 1,263 |
| Memoranda: | ||
| Average total assets | $124,305,400 | 4,173 |
| Average earning assets | $115,721,200 | 4,139 |
| Average equity | $11,465,400 | 4,546 |
| Average total loans | $47,896,600 | 5,029 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4229% | 5,836 |
| Cost of funding earning assets | 0.5651% | 3,119 |
| Net interest margin | 2.8578% | 5,901 |
| Noninterest income to average assets | 0.4620% | 4,061 |
| Noninterest expense to average assets | 2.1393% | 5,748 |
| Loan and lease loss provision to assets | 0.1665% | 2,176 |
| Net operating income to assets | 0.6748% | 3,985 |
| Return on assets (ROA) | 0.6748% | 4,129 |
| Pretax return on assets | 0.8241% | 4,205 |
| Return on Equity (ROE) | 7.2443% | 3,524 |
| Retained earnings to average equity (ytd only) | 5.8601% | 2,509 |
| Net charge-offs to loans | -0.0882% | 6,463 |
| Credit loss provision to net charge-offs | -484.3750% | 6,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3488% | 4,023 |
| Assets per employee ($millions) | 6.0450% | 1,212 |
| Cash dividends to net income (ytd only)* | 19.1088% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 4,714 |
| Loan loss allowance to noncurrent loans | 58,900.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,541 |
| Noncurrent loans to loans | 0.0021% | 6,395 |
| Net loans and leases to total assets | 37.0912% | 6,218 |
| Net loans and leases to deposits | 41.2187% | 6,343 |
| Net loans and leases to core deposits | 48.5207% | 6,095 |
| Total domestic deposits to total assets | 89.9861% | 1,005 |
| Equity capital to assets | 8.8960% | 5,305 |
| Core capital (leverage) ratio | 8.8728% | 5,290 |
| Tier 1 risk-based capital ratio | 19.0447% | 1,980 |
| Total risk-based capital ratio | 20.0463% | 2,012 |
| Memoranda: | ||
| Average total assets | $124,086,500 | 4,223 |
| Average earning assets | $115,845,500 | 4,182 |
| Average equity | $11,558,250 | 4,582 |
| Average total loans | $48,363,000 | 5,064 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4544% | 5,782 |
| Cost of funding earning assets | 0.5815% | 3,110 |
| Net interest margin | 2.8728% | 5,844 |
| Noninterest income to average assets | 0.4775% | 3,975 |
| Noninterest expense to average assets | 2.1391% | 5,778 |
| Loan and lease loss provision to assets | 0.2518% | 1,473 |
| Net operating income to assets | 0.6432% | 4,095 |
| Return on assets (ROA) | 0.6432% | 4,242 |
| Pretax return on assets | 0.7585% | 4,473 |
| Return on Equity (ROE) | 6.8002% | 3,722 |
| Retained earnings to average equity (ytd only) | 5.7699% | 2,574 |
| Net charge-offs to loans | -0.0823% | 6,444 |
| Credit loss provision to net charge-offs | -775.0000% | 5,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9216% | 4,197 |
| Assets per employee ($millions) | 6.3066% | 1,008 |
| Cash dividends to net income (ytd only)* | 15.1515% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 5,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 37.8500% | 6,187 |
| Net loans and leases to deposits | 42.1468% | 6,319 |
| Net loans and leases to core deposits | 50.9558% | 5,965 |
| Total domestic deposits to total assets | 89.8051% | 1,145 |
| Equity capital to assets | 9.0294% | 5,188 |
| Core capital (leverage) ratio | 8.9863% | 5,016 |
| Tier 1 risk-based capital ratio | 20.5853% | 1,591 |
| Total risk-based capital ratio | 21.6623% | 1,605 |
| Memoranda: | ||
| Average total assets | $123,134,000 | 4,276 |
| Average earning assets | $114,521,670 | 4,246 |
| Average equity | $11,646,670 | 4,601 |
| Average total loans | $48,592,670 | 5,081 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5298% | 5,633 |
| Cost of funding earning assets | 0.5948% | 3,155 |
| Net interest margin | 2.9350% | 5,746 |
| Noninterest income to average assets | 0.4768% | 3,939 |
| Noninterest expense to average assets | 2.1934% | 5,701 |
| Loan and lease loss provision to assets | 0.5097% | 528 |
| Net operating income to assets | 0.4801% | 4,775 |
| Return on assets (ROA) | 0.4801% | 4,936 |
| Pretax return on assets | 0.4999% | 5,256 |
| Return on Equity (ROE) | 4.9594% | 4,596 |
| Retained earnings to average equity (ytd only) | 4.9594% | 3,259 |
| Net charge-offs to loans | -0.0985% | 6,437 |
| Credit loss provision to net charge-offs | -1,291.6667% | 5,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4805% | 4,226 |
| Assets per employee ($millions) | 6.1410% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 5,338 |
| Loan loss allowance to noncurrent loans | 56,900.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 6,153 |
| Noncurrent loans to loans | 0.0021% | 6,526 |
| Net loans and leases to total assets | 39.2032% | 6,063 |
| Net loans and leases to deposits | 44.0554% | 6,202 |
| Net loans and leases to core deposits | 54.8819% | 5,612 |
| Total domestic deposits to total assets | 88.9862% | 1,695 |
| Equity capital to assets | 9.6003% | 4,708 |
| Core capital (leverage) ratio | 8.8492% | 5,120 |
| Tier 1 risk-based capital ratio | 20.2507% | 1,711 |
| Total risk-based capital ratio | 21.3138% | 1,725 |
| Memoranda: | ||
| Average total assets | $121,635,000 | 4,352 |
| Average earning assets | $112,981,500 | 4,309 |
| Average equity | $11,775,500 | 4,615 |
| Average total loans | $48,730,000 | 5,107 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 5,638 |
| Cost of funding earning assets | 0.7250% | 3,289 |
| Net interest margin | 3.1547% | 5,679 |
| Noninterest income to average assets | 0.5233% | 3,756 |
| Noninterest expense to average assets | 2.1961% | 5,929 |
| Loan and lease loss provision to assets | 0.2846% | 2,381 |
| Net operating income to assets | 0.7622% | 3,455 |
| Return on assets (ROA) | 0.8750% | 3,177 |
| Pretax return on assets | 1.0891% | 3,200 |
| Return on Equity (ROE) | 8.8085% | 2,730 |
| Retained earnings to average equity (ytd only) | 4.7036% | 2,909 |
| Net charge-offs to loans | 0.7944% | 1,474 |
| Credit loss provision to net charge-offs | 90.5405% | 3,458 |
| Earnings coverage of net charge-offs (x) | 3.9216% | 3,544 |
| Efficiency ratio | 64.0486% | 4,879 |
| Assets per employee ($millions) | 6.0226% | 1,264 |
| Cash dividends to net income (ytd only)* | 46.6019% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8248% | 6,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 6,211 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 40.1325% | 6,160 |
| Net loans and leases to deposits | 45.2355% | 6,291 |
| Net loans and leases to core deposits | 54.0655% | 5,868 |
| Total domestic deposits to total assets | 88.7191% | 1,756 |
| Equity capital to assets | 9.7633% | 4,510 |
| Core capital (leverage) ratio | 9.2150% | 4,554 |
| Tier 1 risk-based capital ratio | 19.8699% | 1,711 |
| Total risk-based capital ratio | 20.6169% | 1,817 |
| Memoranda: | ||
| Average total assets | $117,711,000 | 4,407 |
| Average earning assets | $108,408,400 | 4,382 |
| Average equity | $11,693,200 | 4,636 |
| Average total loans | $46,575,200 | 5,224 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 5,662 |
| Cost of funding earning assets | 0.7621% | 3,256 |
| Net interest margin | 3.1871% | 5,725 |
| Noninterest income to average assets | 0.5229% | 3,783 |
| Noninterest expense to average assets | 2.2000% | 5,949 |
| Loan and lease loss provision to assets | 0.4045% | 1,582 |
| Net operating income to assets | 0.7194% | 3,833 |
| Return on assets (ROA) | 0.7280% | 4,030 |
| Pretax return on assets | 0.8636% | 4,248 |
| Return on Equity (ROE) | 7.2965% | 3,639 |
| Retained earnings to average equity (ytd only) | 5.9263% | 2,745 |
| Net charge-offs to loans | 0.8544% | 1,289 |
| Credit loss provision to net charge-offs | 120.3390% | 2,409 |
| Earnings coverage of net charge-offs (x) | 3.7424% | 3,534 |
| Efficiency ratio | 63.6244% | 4,867 |
| Assets per employee ($millions) | 5.8718% | 1,324 |
| Cash dividends to net income (ytd only)* | 18.7798% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 5,776 |
| Loan loss allowance to noncurrent loans | 700.0000% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 6,600 |
| Noncurrent loans to loans | 0.1552% | 6,222 |
| Net loans and leases to total assets | 38.5260% | 6,387 |
| Net loans and leases to deposits | 44.2660% | 6,487 |
| Net loans and leases to core deposits | 53.0423% | 6,116 |
| Total domestic deposits to total assets | 87.0328% | 2,650 |
| Equity capital to assets | 10.2065% | 4,194 |
| Core capital (leverage) ratio | 9.0463% | 4,991 |
| Tier 1 risk-based capital ratio | 20.7659% | 1,583 |
| Total risk-based capital ratio | 21.7340% | 1,606 |
| Memoranda: | ||
| Average total assets | $117,026,000 | 4,459 |
| Average earning assets | $107,764,250 | 4,445 |
| Average equity | $11,676,500 | 4,676 |
| Average total loans | $46,033,500 | 5,307 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 5,696 |
| Cost of funding earning assets | 0.7711% | 3,439 |
| Net interest margin | 3.2126% | 5,695 |
| Noninterest income to average assets | 0.5321% | 3,712 |
| Noninterest expense to average assets | 2.2089% | 5,981 |
| Loan and lease loss provision to assets | 0.1369% | 3,807 |
| Net operating income to assets | 0.9133% | 2,846 |
| Return on assets (ROA) | 0.9257% | 3,043 |
| Pretax return on assets | 1.1601% | 3,084 |
| Return on Equity (ROE) | 9.3491% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.3122% | 1,517 |
| Net charge-offs to loans | 0.3295% | 2,712 |
| Credit loss provision to net charge-offs | 105.2632% | 2,581 |
| Earnings coverage of net charge-offs (x) | 9.8553% | 2,124 |
| Efficiency ratio | 63.2843% | 5,030 |
| Assets per employee ($millions) | 5.9172% | 1,287 |
| Cash dividends to net income (ytd only)* | 11.0906% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 6,395 |
| Loan loss allowance to noncurrent loans | 126.7241% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 6,033 |
| Noncurrent loans to loans | 0.7310% | 5,042 |
| Net loans and leases to total assets | 39.8562% | 6,353 |
| Net loans and leases to deposits | 45.6372% | 6,466 |
| Net loans and leases to core deposits | 56.2248% | 5,925 |
| Total domestic deposits to total assets | 87.3326% | 2,579 |
| Equity capital to assets | 10.0116% | 4,318 |
| Core capital (leverage) ratio | 9.1710% | 4,658 |
| Tier 1 risk-based capital ratio | 19.6391% | 1,806 |
| Total risk-based capital ratio | 20.4544% | 1,887 |
| Memoranda: | ||
| Average total assets | $116,889,670 | 4,484 |
| Average earning assets | $107,639,330 | 4,470 |
| Average equity | $11,573,330 | 4,697 |
| Average total loans | $46,131,330 | 5,338 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 5,737 |
| Cost of funding earning assets | 0.7685% | 3,710 |
| Net interest margin | 3.2389% | 5,669 |
| Noninterest income to average assets | 0.5337% | 3,674 |
| Noninterest expense to average assets | 2.2451% | 5,922 |
| Loan and lease loss provision to assets | 0.1205% | 3,838 |
| Net operating income to assets | 0.9194% | 2,829 |
| Return on assets (ROA) | 0.9194% | 3,040 |
| Pretax return on assets | 1.1432% | 3,148 |
| Return on Equity (ROE) | 9.3389% | 2,664 |
| Retained earnings to average equity (ytd only) | 9.3389% | 1,463 |
| Net charge-offs to loans | 0.5640% | 1,675 |
| Credit loss provision to net charge-offs | 54.6875% | 3,204 |
| Earnings coverage of net charge-offs (x) | 5.7344% | 2,306 |
| Efficiency ratio | 63.9843% | 4,923 |
| Assets per employee ($millions) | 6.2957% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 6,560 |
| Loan loss allowance to noncurrent loans | 647.6190% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 6,760 |
| Noncurrent loans to loans | 0.1374% | 6,414 |
| Net loans and leases to total assets | 37.9801% | 6,492 |
| Net loans and leases to deposits | 43.2285% | 6,597 |
| Net loans and leases to core deposits | 53.4017% | 6,106 |
| Total domestic deposits to total assets | 87.8589% | 2,418 |
| Equity capital to assets | 9.5930% | 4,659 |
| Core capital (leverage) ratio | 8.8860% | 5,009 |
| Tier 1 risk-based capital ratio | 19.4641% | 1,850 |
| Total risk-based capital ratio | 20.2270% | 1,953 |
| Memoranda: | ||
| Average total assets | $116,163,000 | 4,538 |
| Average earning assets | $106,704,500 | 4,522 |
| Average equity | $11,436,000 | 4,744 |
| Average total loans | $45,393,000 | 5,397 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 5,956 |
| Cost of funding earning assets | 0.9547% | 3,691 |
| Net interest margin | 3.2805% | 5,873 |
| Noninterest income to average assets | 0.5877% | 3,236 |
| Noninterest expense to average assets | 2.2436% | 6,178 |
| Loan and lease loss provision to assets | 0.0709% | 5,732 |
| Net operating income to assets | 1.0460% | 2,020 |
| Return on assets (ROA) | 1.0460% | 2,168 |
| Pretax return on assets | 1.3102% | 2,092 |
| Return on Equity (ROE) | 10.8947% | 1,727 |
| Retained earnings to average equity (ytd only) | 6.0475% | 1,991 |
| Net charge-offs to loans | 0.4673% | 3,119 |
| Credit loss provision to net charge-offs | 39.2157% | 5,640 |
| Earnings coverage of net charge-offs (x) | 7.6373% | 2,303 |
| Efficiency ratio | 61.8978% | 5,476 |
| Assets per employee ($millions) | 5.6354% | 1,502 |
| Cash dividends to net income (ytd only)* | 44.4915% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 6,327 |
| Loan loss allowance to noncurrent loans | 704.8387% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 6,822 |
| Noncurrent loans to loans | 0.1379% | 6,467 |
| Net loans and leases to total assets | 39.4914% | 6,576 |
| Net loans and leases to deposits | 45.3286% | 6,660 |
| Net loans and leases to core deposits | 53.4918% | 6,335 |
| Total domestic deposits to total assets | 87.1225% | 2,692 |
| Equity capital to assets | 10.1120% | 4,021 |
| Core capital (leverage) ratio | 9.0188% | 4,746 |
| Tier 1 risk-based capital ratio | 19.1427% | 1,858 |
| Total risk-based capital ratio | 19.9675% | 1,944 |
| Memoranda: | ||
| Average total assets | $112,810,600 | 4,577 |
| Average earning assets | $104,435,600 | 4,534 |
| Average equity | $10,831,000 | 4,820 |
| Average total loans | $43,659,000 | 5,531 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2611% | 6,061 |
| Cost of funding earning assets | 1.0059% | 3,640 |
| Net interest margin | 3.2552% | 6,000 |
| Noninterest income to average assets | 0.5778% | 3,319 |
| Noninterest expense to average assets | 2.2522% | 6,163 |
| Loan and lease loss provision to assets | 0.0591% | 5,703 |
| Net operating income to assets | 1.0268% | 2,227 |
| Return on assets (ROA) | 1.0268% | 2,394 |
| Pretax return on assets | 1.2797% | 2,362 |
| Return on Equity (ROE) | 10.8390% | 1,918 |
| Retained earnings to average equity (ytd only) | 9.3423% | 1,026 |
| Net charge-offs to loans | 0.3107% | 3,543 |
| Credit loss provision to net charge-offs | 49.5050% | 5,045 |
| Earnings coverage of net charge-offs (x) | 11.2181% | 1,832 |
| Efficiency ratio | 62.7180% | 5,288 |
| Assets per employee ($millions) | 5.2996% | 1,814 |
| Cash dividends to net income (ytd only)* | 13.8093% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 5,580 |
| Loan loss allowance to noncurrent loans | 349.3151% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 6,721 |
| Noncurrent loans to loans | 0.3353% | 6,178 |
| Net loans and leases to total assets | 38.6617% | 6,731 |
| Net loans and leases to deposits | 45.1097% | 6,785 |
| Net loans and leases to core deposits | 53.2348% | 6,497 |
| Total domestic deposits to total assets | 85.7059% | 3,378 |
| Equity capital to assets | 10.3575% | 3,884 |
| Core capital (leverage) ratio | 9.2001% | 4,631 |
| Tier 1 risk-based capital ratio | 20.0607% | 1,668 |
| Total risk-based capital ratio | 21.0602% | 1,705 |
| Memoranda: | ||
| Average total assets | $112,836,250 | 4,605 |
| Average earning assets | $104,446,000 | 4,563 |
| Average equity | $10,689,500 | 4,872 |
| Average total loans | $43,337,000 | 5,590 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2074% | 6,265 |
| Cost of funding earning assets | 1.0651% | 3,508 |
| Net interest margin | 3.1422% | 6,298 |
| Noninterest income to average assets | 0.5611% | 3,395 |
| Noninterest expense to average assets | 2.2902% | 6,156 |
| Loan and lease loss provision to assets | 0.0529% | 5,655 |
| Net operating income to assets | 0.9334% | 2,503 |
| Return on assets (ROA) | 0.9334% | 2,607 |
| Pretax return on assets | 1.1381% | 2,702 |
| Return on Equity (ROE) | 10.1630% | 2,062 |
| Retained earnings to average equity (ytd only) | 9.0103% | 1,106 |
| Net charge-offs to loans | 0.2819% | 3,471 |
| Credit loss provision to net charge-offs | 49.1803% | 4,603 |
| Earnings coverage of net charge-offs (x) | 11.0656% | 1,744 |
| Efficiency ratio | 65.7881% | 4,913 |
| Assets per employee ($millions) | 7.0732% | 697 |
| Cash dividends to net income (ytd only)* | 11.3422% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 5,714 |
| Loan loss allowance to noncurrent loans | 5,300.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 7,105 |
| Noncurrent loans to loans | 0.0219% | 6,941 |
| Net loans and leases to total assets | 39.8759% | 6,757 |
| Net loans and leases to deposits | 46.0011% | 6,832 |
| Net loans and leases to core deposits | 54.8642% | 6,503 |
| Total domestic deposits to total assets | 86.6848% | 2,936 |
| Equity capital to assets | 9.6385% | 4,614 |
| Core capital (leverage) ratio | 8.6940% | 5,233 |
| Tier 1 risk-based capital ratio | 18.5570% | 1,986 |
| Total risk-based capital ratio | 19.5448% | 2,033 |
| Memoranda: | ||
| Average total assets | $113,351,330 | 4,626 |
| Average earning assets | $105,338,670 | 4,580 |
| Average equity | $10,410,330 | 4,949 |
| Average total loans | $43,270,330 | 5,646 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0727% | 6,560 |
| Cost of funding earning assets | 1.1435% | 3,202 |
| Net interest margin | 2.9291% | 6,707 |
| Noninterest income to average assets | 0.5677% | 3,386 |
| Noninterest expense to average assets | 2.3201% | 6,137 |
| Loan and lease loss provision to assets | 0.0529% | 5,340 |
| Net operating income to assets | 0.7863% | 3,096 |
| Return on assets (ROA) | 0.7863% | 3,164 |
| Pretax return on assets | 0.9132% | 3,452 |
| Return on Equity (ROE) | 8.7782% | 2,571 |
| Retained earnings to average equity (ytd only) | 8.7782% | 1,459 |
| Net charge-offs to loans | 0.4753% | 2,285 |
| Credit loss provision to net charge-offs | 30.0000% | 4,116 |
| Earnings coverage of net charge-offs (x) | 5.4800% | 2,274 |
| Efficiency ratio | 70.6009% | 4,138 |
| Assets per employee ($millions) | 5.7547% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 5,441 |
| Loan loss allowance to noncurrent loans | 1,421.6216% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 7,089 |
| Noncurrent loans to loans | 0.0873% | 6,827 |
| Net loans and leases to total assets | 36.3697% | 6,985 |
| Net loans and leases to deposits | 41.5074% | 7,039 |
| Net loans and leases to core deposits | 51.7135% | 6,696 |
| Total domestic deposits to total assets | 87.6222% | 2,594 |
| Equity capital to assets | 8.9432% | 5,294 |
| Core capital (leverage) ratio | 8.4512% | 5,546 |
| Tier 1 risk-based capital ratio | 18.6861% | 1,902 |
| Total risk-based capital ratio | 19.6983% | 1,927 |
| Memoranda: | ||
| Average total assets | $113,441,500 | 4,656 |
| Average earning assets | $105,287,500 | 4,607 |
| Average equity | $10,161,500 | 4,999 |
| Average total loans | $42,076,500 | 5,753 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 6,216 |
| Cost of funding earning assets | 1.4191% | 3,142 |
| Net interest margin | 3.1413% | 6,411 |
| Noninterest income to average assets | 0.5888% | 3,545 |
| Noninterest expense to average assets | 2.2292% | 6,544 |
| Loan and lease loss provision to assets | 0.0889% | 6,258 |
| Net operating income to assets | 0.9489% | 2,206 |
| Return on assets (ROA) | 0.9489% | 2,332 |
| Pretax return on assets | 1.1683% | 2,334 |
| Return on Equity (ROE) | 10.1711% | 1,866 |
| Retained earnings to average equity (ytd only) | 5.2592% | 2,271 |
| Net charge-offs to loans | 0.1879% | 5,173 |
| Credit loss provision to net charge-offs | 121.5190% | 3,456 |
| Earnings coverage of net charge-offs (x) | 17.1899% | 1,167 |
| Efficiency ratio | 63.9405% | 5,363 |
| Assets per employee ($millions) | 5.5895% | 1,504 |
| Cash dividends to net income (ytd only)* | 48.2927% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 4,795 |
| Loan loss allowance to noncurrent loans | 352.8302% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 6,877 |
| Noncurrent loans to loans | 0.3807% | 6,282 |
| Net loans and leases to total assets | 36.8611% | 7,120 |
| Net loans and leases to deposits | 42.1025% | 7,178 |
| Net loans and leases to core deposits | 49.5962% | 6,996 |
| Total domestic deposits to total assets | 87.5508% | 2,516 |
| Equity capital to assets | 8.9722% | 5,187 |
| Core capital (leverage) ratio | 8.4554% | 5,444 |
| Tier 1 risk-based capital ratio | 18.4389% | 1,861 |
| Total risk-based capital ratio | 19.5293% | 1,870 |
| Memoranda: | ||
| Average total assets | $108,021,600 | 4,773 |
| Average earning assets | $99,639,800 | 4,735 |
| Average equity | $10,077,600 | 5,109 |
| Average total loans | $42,035,200 | 5,833 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6635% | 6,143 |
| Cost of funding earning assets | 1.4905% | 3,038 |
| Net interest margin | 3.1730% | 6,423 |
| Noninterest income to average assets | 0.5877% | 3,521 |
| Noninterest expense to average assets | 2.2649% | 6,421 |
| Loan and lease loss provision to assets | 0.0560% | 6,511 |
| Net operating income to assets | 0.9588% | 2,379 |
| Return on assets (ROA) | 0.9588% | 2,505 |
| Pretax return on assets | 1.1879% | 2,534 |
| Return on Equity (ROE) | 10.1753% | 2,056 |
| Retained earnings to average equity (ytd only) | 8.5896% | 1,208 |
| Net charge-offs to loans | 0.1615% | 5,029 |
| Credit loss provision to net charge-offs | 88.2353% | 4,840 |
| Earnings coverage of net charge-offs (x) | 19.5878% | 1,202 |
| Efficiency ratio | 64.5493% | 5,136 |
| Assets per employee ($millions) | 5.6004% | 1,537 |
| Cash dividends to net income (ytd only)* | 15.5848% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 4,894 |
| Loan loss allowance to noncurrent loans | 270.3518% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 6,912 |
| Noncurrent loans to loans | 0.4852% | 6,223 |
| Net loans and leases to total assets | 36.1370% | 7,260 |
| Net loans and leases to deposits | 42.2241% | 7,295 |
| Net loans and leases to core deposits | 49.5489% | 7,136 |
| Total domestic deposits to total assets | 85.5839% | 3,302 |
| Equity capital to assets | 9.5467% | 4,770 |
| Core capital (leverage) ratio | 8.6312% | 5,296 |
| Tier 1 risk-based capital ratio | 18.8524% | 1,786 |
| Total risk-based capital ratio | 19.9082% | 1,798 |
| Memoranda: | ||
| Average total assets | $107,079,500 | 4,861 |
| Average earning assets | $98,578,500 | 4,821 |
| Average equity | $10,089,500 | 5,164 |
| Average total loans | $42,102,000 | 5,913 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 6,057 |
| Cost of funding earning assets | 1.5355% | 3,035 |
| Net interest margin | 3.1901% | 6,348 |
| Noninterest income to average assets | 0.5956% | 3,372 |
| Noninterest expense to average assets | 2.3161% | 6,312 |
| Loan and lease loss provision to assets | 0.0569% | 6,385 |
| Net operating income to assets | 0.9465% | 2,381 |
| Return on assets (ROA) | 0.9465% | 2,471 |
| Pretax return on assets | 1.1704% | 2,516 |
| Return on Equity (ROE) | 10.0927% | 2,079 |
| Retained earnings to average equity (ytd only) | 8.8792% | 1,142 |
| Net charge-offs to loans | 0.1319% | 4,891 |
| Credit loss provision to net charge-offs | 107.1429% | 3,802 |
| Earnings coverage of net charge-offs (x) | 23.1071% | 1,114 |
| Efficiency ratio | 65.3640% | 5,092 |
| Assets per employee ($millions) | 5.0890% | 2,063 |
| Cash dividends to net income (ytd only)* | 12.0240% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 5,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 38.0521% | 7,268 |
| Net loans and leases to deposits | 44.1673% | 7,318 |
| Net loans and leases to core deposits | 52.8141% | 7,094 |
| Total domestic deposits to total assets | 86.1545% | 3,005 |
| Equity capital to assets | 9.1276% | 5,253 |
| Core capital (leverage) ratio | 8.6291% | 5,193 |
| Tier 1 risk-based capital ratio | 17.5981% | 2,078 |
| Total risk-based capital ratio | 18.6208% | 2,104 |
| Memoranda: | ||
| Average total assets | $105,437,000 | 4,933 |
| Average earning assets | $97,425,670 | 4,892 |
| Average equity | $9,888,330 | 5,235 |
| Average total loans | $42,464,670 | 5,930 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 5,952 |
| Cost of funding earning assets | 1.5605% | 3,205 |
| Net interest margin | 3.2224% | 6,222 |
| Noninterest income to average assets | 0.5950% | 3,306 |
| Noninterest expense to average assets | 2.3958% | 6,103 |
| Loan and lease loss provision to assets | 0.0587% | 6,053 |
| Net operating income to assets | 0.9121% | 2,497 |
| Return on assets (ROA) | 0.9121% | 2,565 |
| Pretax return on assets | 1.1235% | 2,661 |
| Return on Equity (ROE) | 9.5855% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.5855% | 1,244 |
| Net charge-offs to loans | 0.0855% | 4,566 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 33.5556% | 801 |
| Efficiency ratio | 66.9584% | 4,928 |
| Assets per employee ($millions) | 5.6246% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 4,939 |
| Loan loss allowance to noncurrent loans | 654.7619% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 7,295 |
| Noncurrent loans to loans | 0.1986% | 6,944 |
| Net loans and leases to total assets | 39.0678% | 7,304 |
| Net loans and leases to deposits | 45.4868% | 7,348 |
| Net loans and leases to core deposits | 54.3583% | 7,086 |
| Total domestic deposits to total assets | 85.8882% | 3,217 |
| Equity capital to assets | 9.2376% | 4,937 |
| Core capital (leverage) ratio | 8.7860% | 4,878 |
| Tier 1 risk-based capital ratio | 17.6030% | 2,051 |
| Total risk-based capital ratio | 18.6565% | 2,074 |
| Memoranda: | ||
| Average total assets | $102,177,000 | 5,085 |
| Average earning assets | $94,587,500 | 5,029 |
| Average equity | $9,723,000 | 5,317 |
| Average total loans | $42,123,000 | 6,019 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4443% | 4,472 |
| Cost of funding earning assets | 1.8239% | 3,861 |
| Net interest margin | 3.6204% | 4,475 |
| Noninterest income to average assets | 0.6725% | 3,135 |
| Noninterest expense to average assets | 2.4791% | 6,209 |
| Loan and lease loss provision to assets | 0.1775% | 5,920 |
| Net operating income to assets | 1.0516% | 1,661 |
| Return on assets (ROA) | 1.0516% | 1,703 |
| Pretax return on assets | 1.3387% | 1,588 |
| Return on Equity (ROE) | 10.6570% | 1,507 |
| Retained earnings to average equity (ytd only) | 5.4184% | 1,615 |
| Net charge-offs to loans | 0.1643% | 5,640 |
| Credit loss provision to net charge-offs | 246.3768% | 1,444 |
| Earnings coverage of net charge-offs (x) | 21.0435% | 1,012 |
| Efficiency ratio | 62.0491% | 6,148 |
| Assets per employee ($millions) | 4.8743% | 2,372 |
| Cash dividends to net income (ytd only)* | 49.1559% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 4,787 |
| Loan loss allowance to noncurrent loans | 477.1930% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 7,192 |
| Noncurrent loans to loans | 0.2718% | 6,750 |
| Net loans and leases to total assets | 42.4687% | 7,224 |
| Net loans and leases to deposits | 49.9976% | 7,258 |
| Net loans and leases to core deposits | 76.8735% | 6,344 |
| Total domestic deposits to total assets | 84.9414% | 3,574 |
| Equity capital to assets | 9.8209% | 3,983 |
| Core capital (leverage) ratio | 8.9801% | 4,457 |
| Tier 1 risk-based capital ratio | 17.9251% | 1,911 |
| Total risk-based capital ratio | 19.0138% | 1,909 |
| Memoranda: | ||
| Average total assets | $95,761,600 | 5,216 |
| Average earning assets | $87,890,600 | 5,200 |
| Average equity | $9,449,200 | 5,463 |
| Average total loans | $41,990,000 | 6,014 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5151% | 4,344 |
| Cost of funding earning assets | 1.8852% | 3,953 |
| Net interest margin | 3.6299% | 4,369 |
| Noninterest income to average assets | 0.6685% | 3,228 |
| Noninterest expense to average assets | 2.5105% | 6,039 |
| Loan and lease loss provision to assets | 0.1538% | 5,813 |
| Net operating income to assets | 1.0364% | 1,947 |
| Return on assets (ROA) | 1.0364% | 2,010 |
| Pretax return on assets | 1.3273% | 1,888 |
| Return on Equity (ROE) | 10.4903% | 1,767 |
| Retained earnings to average equity (ytd only) | 8.7915% | 895 |
| Net charge-offs to loans | 0.1841% | 4,916 |
| Credit loss provision to net charge-offs | 189.6552% | 2,398 |
| Earnings coverage of net charge-offs (x) | 18.2589% | 1,357 |
| Efficiency ratio | 62.8942% | 5,949 |
| Assets per employee ($millions) | 5.2603% | 1,828 |
| Cash dividends to net income (ytd only)* | 16.1947% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 5,395 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 6,948 |
| Noncurrent loans to loans | 0.1049% | 7,213 |
| Net loans and leases to total assets | 42.4309% | 7,335 |
| Net loans and leases to deposits | 50.9032% | 7,367 |
| Net loans and leases to core deposits | 79.5871% | 6,389 |
| Total domestic deposits to total assets | 83.3560% | 4,040 |
| Equity capital to assets | 9.9624% | 4,136 |
| Core capital (leverage) ratio | 9.1998% | 4,340 |
| Tier 1 risk-based capital ratio | 17.4920% | 2,121 |
| Total risk-based capital ratio | 18.4470% | 2,162 |
| Memoranda: | ||
| Average total assets | $95,330,500 | 5,258 |
| Average earning assets | $87,274,000 | 5,255 |
| Average equity | $9,418,000 | 5,515 |
| Average total loans | $42,001,250 | 6,069 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6085% | 4,032 |
| Cost of funding earning assets | 1.9760% | 3,888 |
| Net interest margin | 3.6324% | 4,237 |
| Noninterest income to average assets | 0.6717% | 3,184 |
| Noninterest expense to average assets | 2.5333% | 6,007 |
| Loan and lease loss provision to assets | 0.1279% | 5,822 |
| Net operating income to assets | 1.0449% | 1,958 |
| Return on assets (ROA) | 1.0449% | 2,031 |
| Pretax return on assets | 1.3306% | 1,934 |
| Return on Equity (ROE) | 10.6080% | 1,818 |
| Retained earnings to average equity (ytd only) | 9.3090% | 855 |
| Net charge-offs to loans | 0.0863% | 5,345 |
| Credit loss provision to net charge-offs | 333.3333% | 1,387 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 841 |
| Efficiency ratio | 63.4615% | 6,010 |
| Assets per employee ($millions) | 4.8900% | 2,212 |
| Cash dividends to net income (ytd only)* | 12.2449% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 5,497 |
| Loan loss allowance to noncurrent loans | 200.4132% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 6,864 |
| Noncurrent loans to loans | 0.5560% | 6,155 |
| Net loans and leases to total assets | 44.0092% | 7,326 |
| Net loans and leases to deposits | 52.4929% | 7,355 |
| Net loans and leases to core deposits | 83.8695% | 6,098 |
| Total domestic deposits to total assets | 83.8384% | 3,851 |
| Equity capital to assets | 9.5890% | 4,498 |
| Core capital (leverage) ratio | 9.1795% | 4,332 |
| Tier 1 risk-based capital ratio | 17.1956% | 2,236 |
| Total risk-based capital ratio | 18.1353% | 2,288 |
| Memoranda: | ||
| Average total assets | $93,792,000 | 5,350 |
| Average earning assets | $85,727,670 | 5,348 |
| Average equity | $9,238,330 | 5,600 |
| Average total loans | $41,700,670 | 6,121 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7248% | 3,673 |
| Cost of funding earning assets | 2.0551% | 3,843 |
| Net interest margin | 3.6698% | 4,018 |
| Noninterest income to average assets | 0.6624% | 3,115 |
| Noninterest expense to average assets | 2.5711% | 5,569 |
| Loan and lease loss provision to assets | 0.1307% | 5,282 |
| Net operating income to assets | 1.0502% | 2,132 |
| Return on assets (ROA) | 1.0502% | 2,264 |
| Pretax return on assets | 1.3379% | 2,159 |
| Return on Equity (ROE) | 10.5143% | 2,122 |
| Retained earnings to average equity (ytd only) | 10.5143% | 1,070 |
| Net charge-offs to loans | 0.1471% | 3,789 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 22.4667% | 1,313 |
| Efficiency ratio | 63.6462% | 5,754 |
| Assets per employee ($millions) | 4.8419% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 5,575 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 6,766 |
| Noncurrent loans to loans | 0.5427% | 6,056 |
| Net loans and leases to total assets | 45.3656% | 7,234 |
| Net loans and leases to deposits | 54.8849% | 7,230 |
| Net loans and leases to core deposits | 81.3468% | 6,280 |
| Total domestic deposits to total assets | 82.6560% | 4,307 |
| Equity capital to assets | 10.2384% | 3,722 |
| Core capital (leverage) ratio | 9.2294% | 4,366 |
| Tier 1 risk-based capital ratio | 16.3062% | 2,580 |
| Total risk-based capital ratio | 17.1660% | 2,660 |
| Memoranda: | ||
| Average total assets | $91,788,000 | 5,431 |
| Average earning assets | $84,474,000 | 5,414 |
| Average equity | $9,168,500 | 5,633 |
| Average total loans | $40,788,000 | 6,204 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8443% | 6,279 |
| Cost of funding earning assets | 2.4584% | 4,433 |
| Net interest margin | 3.3860% | 5,717 |
| Noninterest income to average assets | 0.7394% | 2,849 |
| Noninterest expense to average assets | 2.3891% | 6,435 |
| Loan and lease loss provision to assets | 0.0716% | 6,498 |
| Net operating income to assets | 1.0478% | 2,362 |
| Return on assets (ROA) | 1.0478% | 2,257 |
| Pretax return on assets | 1.3782% | 2,034 |
| Return on Equity (ROE) | 10.6448% | 2,029 |
| Retained earnings to average equity (ytd only) | 5.7156% | 1,657 |
| Net charge-offs to loans | 0.0461% | 6,128 |
| Credit loss provision to net charge-offs | 344.4444% | 1,316 |
| Earnings coverage of net charge-offs (x) | 69.7222% | 584 |
| Efficiency ratio | 62.2329% | 5,907 |
| Assets per employee ($millions) | 4.8199% | 2,157 |
| Cash dividends to net income (ytd only)* | 46.3065% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 5,100 |
| Loan loss allowance to noncurrent loans | 212.9808% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 6,670 |
| Noncurrent loans to loans | 0.5281% | 5,772 |
| Net loans and leases to total assets | 42.5207% | 7,557 |
| Net loans and leases to deposits | 51.0020% | 7,582 |
| Net loans and leases to core deposits | 75.4607% | 6,890 |
| Total domestic deposits to total assets | 83.3706% | 3,628 |
| Equity capital to assets | 9.7380% | 4,381 |
| Core capital (leverage) ratio | 9.5948% | 3,885 |
| Tier 1 risk-based capital ratio | 17.7696% | 2,098 |
| Total risk-based capital ratio | 18.7017% | 2,134 |
| Memoranda: | ||
| Average total assets | $86,559,800 | 5,460 |
| Average earning assets | $79,239,200 | 5,461 |
| Average equity | $8,520,600 | 5,900 |
| Average total loans | $39,084,600 | 6,221 |