Home > Citizens State Bank > Performance and Condition Ratios
Citizens 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 | 4.7396% | 2,596 |
| Cost of funding earning assets | 1.2804% | 2,574 |
| Net interest margin | 3.4592% | 2,279 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.2776% | 2,909 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.2352% | 1,573 |
| Return on assets (ROA) | 1.2597% | 1,491 |
| Pretax return on assets | 1.2883% | 1,903 |
| Return on Equity (ROE) | 7.9800% | 3,027 |
| Retained earnings to average equity (ytd only) | 3.2631% | 3,202 |
| Net charge-offs to loans | 0.0043% | 2,577 |
| Credit loss provision to net charge-offs | 1,833.3333% | 248 |
| Earnings coverage of net charge-offs (x) | 505.6667% | 290 |
| Efficiency ratio | 63.4722% | 2,673 |
| Assets per employee ($millions) | 6.0574% | 2,768 |
| Cash dividends to net income (ytd only)* | 59.1221% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6850% | 4,151 |
| Loan loss allowance to noncurrent loans | 249.2537% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 2,431 |
| Noncurrent loans to loans | 0.2748% | 2,197 |
| Net loans and leases to total assets | 59.9600% | 2,842 |
| Net loans and leases to deposits | 73.0625% | 2,690 |
| Net loans and leases to core deposits | 79.5710% | 2,727 |
| Total domestic deposits to total assets | 82.0600% | 3,118 |
| Equity capital to assets | 15.7072% | 488 |
| Core capital (leverage) ratio | 19.6223% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $115,738,200 | 3,698 |
| Average earning assets | $107,309,000 | 3,673 |
| Average equity | $18,265,000 | 2,988 |
| Average total loans | $70,415,600 | 3,540 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 2,657 |
| Cost of funding earning assets | 1.1653% | 2,541 |
| Net interest margin | 3.4442% | 2,352 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.2636% | 2,907 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.3265% | 1,481 |
| Return on assets (ROA) | 1.3463% | 1,417 |
| Pretax return on assets | 1.3300% | 1,948 |
| Return on Equity (ROE) | 8.5200% | 3,052 |
| Retained earnings to average equity (ytd only) | 5.7909% | 2,692 |
| Net charge-offs to loans | -0.0593% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.5241% | 2,661 |
| Assets per employee ($millions) | 5.7807% | 2,945 |
| Cash dividends to net income (ytd only)* | 32.0346% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7120% | 4,114 |
| Loan loss allowance to noncurrent loans | 406.2500% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 2,837 |
| Noncurrent loans to loans | 0.1753% | 2,667 |
| Net loans and leases to total assets | 62.7200% | 2,589 |
| Net loans and leases to deposits | 79.1937% | 2,124 |
| Net loans and leases to core deposits | 83.1134% | 2,388 |
| Total domestic deposits to total assets | 79.1900% | 3,656 |
| Equity capital to assets | 15.1772% | 516 |
| Core capital (leverage) ratio | 20.3629% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $114,385,750 | 3,716 |
| Average earning assets | $106,069,000 | 3,698 |
| Average equity | $18,074,000 | 3,000 |
| Average total loans | $69,734,750 | 3,561 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5186% | 2,600 |
| Cost of funding earning assets | 1.0496% | 2,457 |
| Net interest margin | 3.4690% | 2,344 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.2566% | 2,933 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.3003% | 1,568 |
| Return on assets (ROA) | 1.3213% | 1,492 |
| Pretax return on assets | 1.2845% | 2,127 |
| Return on Equity (ROE) | 8.2500% | 3,171 |
| Retained earnings to average equity (ytd only) | 5.5453% | 2,765 |
| Net charge-offs to loans | -0.1020% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.3186% | 2,559 |
| Assets per employee ($millions) | 5.1700% | 3,436 |
| Cash dividends to net income (ytd only)* | 32.8021% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7338% | 4,126 |
| Loan loss allowance to noncurrent loans | 578.4091% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 3,001 |
| Noncurrent loans to loans | 0.1269% | 2,836 |
| Net loans and leases to total assets | 60.5400% | 2,724 |
| Net loans and leases to deposits | 74.2599% | 2,467 |
| Net loans and leases to core deposits | 76.8912% | 2,697 |
| Total domestic deposits to total assets | 81.5200% | 3,331 |
| Equity capital to assets | 16.2108% | 425 |
| Core capital (leverage) ratio | 20.0575% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $113,976,333 | 3,730 |
| Average earning assets | $105,562,667 | 3,717 |
| Average equity | $18,249,667 | 3,003 |
| Average total loans | $68,636,667 | 3,590 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3162% | 2,760 |
| Cost of funding earning assets | 0.9111% | 2,339 |
| Net interest margin | 3.4051% | 2,619 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.2508% | 2,956 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.3918% | 1,430 |
| Return on assets (ROA) | 1.4164% | 1,333 |
| Pretax return on assets | 1.3182% | 2,125 |
| Return on Equity (ROE) | 8.9000% | 3,075 |
| Retained earnings to average equity (ytd only) | 6.1910% | 2,718 |
| Net charge-offs to loans | -0.2168% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.8795% | 2,585 |
| Assets per employee ($millions) | 5.4653% | 3,252 |
| Cash dividends to net income (ytd only)* | 30.4455% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 4,222 |
| Loan loss allowance to noncurrent loans | 563.6364% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,033 |
| Noncurrent loans to loans | 0.1268% | 2,879 |
| Net loans and leases to total assets | 60.0500% | 2,643 |
| Net loans and leases to deposits | 73.5732% | 2,329 |
| Net loans and leases to core deposits | 77.0380% | 2,455 |
| Total domestic deposits to total assets | 81.6200% | 3,543 |
| Equity capital to assets | 16.0886% | 403 |
| Core capital (leverage) ratio | 19.9575% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $114,095,000 | 3,780 |
| Average earning assets | $105,370,000 | 3,770 |
| Average equity | $18,155,500 | 3,039 |
| Average total loans | $68,274,000 | 3,635 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7124% | 2,494 |
| Cost of funding earning assets | 0.3650% | 2,366 |
| Net interest margin | 3.3474% | 2,427 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.3598% | 2,546 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.8614% | 3,111 |
| Return on assets (ROA) | 0.8718% | 3,007 |
| Pretax return on assets | 0.9725% | 3,153 |
| Return on Equity (ROE) | 5.0400% | 4,017 |
| Retained earnings to average equity (ytd only) | 0.6230% | 4,253 |
| Net charge-offs to loans | 0.0970% | 747 |
| Credit loss provision to net charge-offs | 98.3607% | 1,575 |
| Earnings coverage of net charge-offs (x) | 18.8033% | 1,925 |
| Efficiency ratio | 69.9423% | 1,691 |
| Assets per employee ($millions) | 5.4009% | 3,316 |
| Cash dividends to net income (ytd only)* | 87.6268% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6688% | 4,258 |
| Loan loss allowance to noncurrent loans | 493.4066% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 2,995 |
| Noncurrent loans to loans | 0.1356% | 2,834 |
| Net loans and leases to total assets | 58.7900% | 2,751 |
| Net loans and leases to deposits | 71.5709% | 2,447 |
| Net loans and leases to core deposits | 74.4673% | 2,534 |
| Total domestic deposits to total assets | 82.1500% | 3,601 |
| Equity capital to assets | 15.7346% | 409 |
| Core capital (leverage) ratio | 19.9667% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $113,104,800 | 3,799 |
| Average earning assets | $103,004,800 | 3,808 |
| Average equity | $19,581,400 | 2,987 |
| Average total loans | $62,909,000 | 3,682 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6089% | 2,318 |
| Cost of funding earning assets | 0.2735% | 2,452 |
| Net interest margin | 3.3354% | 2,186 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.3215% | 2,568 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8530% | 3,053 |
| Return on assets (ROA) | 0.8635% | 3,000 |
| Pretax return on assets | 0.9732% | 3,098 |
| Return on Equity (ROE) | 4.8800% | 4,005 |
| Retained earnings to average equity (ytd only) | 2.4114% | 3,935 |
| Net charge-offs to loans | 0.0496% | 988 |
| Credit loss provision to net charge-offs | 195.6522% | 988 |
| Earnings coverage of net charge-offs (x) | 37.3913% | 1,417 |
| Efficiency ratio | 69.5898% | 1,811 |
| Assets per employee ($millions) | 5.3043% | 3,412 |
| Cash dividends to net income (ytd only)* | 50.5464% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7052% | 4,240 |
| Loan loss allowance to noncurrent loans | 944.0000% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 3,454 |
| Noncurrent loans to loans | 0.0747% | 3,343 |
| Net loans and leases to total assets | 59.6600% | 2,537 |
| Net loans and leases to deposits | 73.6995% | 2,083 |
| Net loans and leases to core deposits | 76.0873% | 2,188 |
| Total domestic deposits to total assets | 80.9600% | 3,987 |
| Equity capital to assets | 15.6691% | 396 |
| Core capital (leverage) ratio | 20.1174% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $113,026,250 | 3,820 |
| Average earning assets | $102,854,750 | 3,831 |
| Average equity | $20,015,250 | 2,997 |
| Average total loans | $61,853,000 | 3,722 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4976% | 2,153 |
| Cost of funding earning assets | 0.2640% | 2,103 |
| Net interest margin | 3.2336% | 2,099 |
| Noninterest income to average assets | 0.3082% | 3,315 |
| Noninterest expense to average assets | 2.2682% | 2,639 |
| Loan and lease loss provision to assets | 0.0528% | 1,633 |
| Net operating income to assets | 0.8743% | 2,688 |
| Return on assets (ROA) | 0.8893% | 2,601 |
| Pretax return on assets | 0.9369% | 2,943 |
| Return on Equity (ROE) | 4.8397% | 3,848 |
| Retained earnings to average equity (ytd only) | 2.4726% | 3,624 |
| Net charge-offs to loans | 0.0765% | 703 |
| Credit loss provision to net charge-offs | 130.4348% | 1,155 |
| Earnings coverage of net charge-offs (x) | 24.0435% | 1,481 |
| Efficiency ratio | 69.9620% | 1,963 |
| Assets per employee ($millions) | 5.1274% | 3,567 |
| Cash dividends to net income (ytd only)* | 48.9109% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7243% | 4,296 |
| Loan loss allowance to noncurrent loans | 1,986.9565% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,801 |
| Noncurrent loans to loans | 0.0365% | 3,677 |
| Net loans and leases to total assets | 55.5274% | 2,803 |
| Net loans and leases to deposits | 68.5903% | 2,338 |
| Net loans and leases to core deposits | 70.5718% | 2,442 |
| Total domestic deposits to total assets | 80.9551% | 4,135 |
| Equity capital to assets | 16.9722% | 282 |
| Core capital (leverage) ratio | 19.7533% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,571,333 | 3,857 |
| Average earning assets | $103,043,333 | 3,882 |
| Average equity | $20,869,000 | 2,982 |
| Average total loans | $60,160,000 | 3,779 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3985% | 2,088 |
| Cost of funding earning assets | 0.2722% | 1,907 |
| Net interest margin | 3.1263% | 2,089 |
| Noninterest income to average assets | 0.3089% | 3,257 |
| Noninterest expense to average assets | 2.2921% | 2,530 |
| Loan and lease loss provision to assets | 0.0527% | 1,438 |
| Net operating income to assets | 0.7468% | 2,867 |
| Return on assets (ROA) | 0.7968% | 2,659 |
| Pretax return on assets | 0.8389% | 2,978 |
| Return on Equity (ROE) | 4.1784% | 3,831 |
| Retained earnings to average equity (ytd only) | 1.9143% | 3,566 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2063% | 1,830 |
| Assets per employee ($millions) | 4.9111% | 3,824 |
| Cash dividends to net income (ytd only)* | 54.1850% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7500% | 4,315 |
| Loan loss allowance to noncurrent loans | 1,660.7143% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,793 |
| Noncurrent loans to loans | 0.0452% | 3,655 |
| Net loans and leases to total assets | 54.4778% | 2,698 |
| Net loans and leases to deposits | 68.4182% | 2,103 |
| Net loans and leases to core deposits | 69.4710% | 2,337 |
| Total domestic deposits to total assets | 79.6248% | 4,308 |
| Equity capital to assets | 18.1673% | 223 |
| Core capital (leverage) ratio | 19.3723% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8089% | 209 |
| Memoranda: | ||
| Average total assets | $113,956,000 | 3,875 |
| Average earning assets | $102,868,000 | 3,901 |
| Average equity | $21,731,000 | 3,007 |
| Average total loans | $58,693,500 | 3,811 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5308% | 2,575 |
| Cost of funding earning assets | 0.4177% | 1,411 |
| Net interest margin | 3.1131% | 2,867 |
| Noninterest income to average assets | 0.9128% | 1,172 |
| Noninterest expense to average assets | 2.3473% | 2,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2199% | 1,857 |
| Return on assets (ROA) | 1.2656% | 1,756 |
| Pretax return on assets | 1.3021% | 2,352 |
| Return on Equity (ROE) | 6.1351% | 3,745 |
| Retained earnings to average equity (ytd only) | 2.4170% | 3,852 |
| Net charge-offs to loans | 0.0072% | 2,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 353.0000% | 359 |
| Efficiency ratio | 65.1616% | 2,377 |
| Assets per employee ($millions) | 4.7898% | 3,896 |
| Cash dividends to net income (ytd only)* | 60.6039% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8125% | 4,248 |
| Loan loss allowance to noncurrent loans | 3,461.5385% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,033 |
| Noncurrent loans to loans | 0.0235% | 3,902 |
| Net loans and leases to total assets | 47.7887% | 3,515 |
| Net loans and leases to deposits | 61.5033% | 2,936 |
| Net loans and leases to core deposits | 62.9156% | 3,084 |
| Total domestic deposits to total assets | 77.7010% | 4,424 |
| Equity capital to assets | 19.9563% | 181 |
| Core capital (leverage) ratio | 19.5036% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9190% | 187 |
| Memoranda: | ||
| Average total assets | $112,512,600 | 3,874 |
| Average earning assets | $97,202,400 | 3,938 |
| Average equity | $23,210,600 | 2,965 |
| Average total loans | $55,641,000 | 3,899 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5590% | 2,668 |
| Cost of funding earning assets | 0.4279% | 1,498 |
| Net interest margin | 3.1312% | 2,958 |
| Noninterest income to average assets | 1.1176% | 910 |
| Noninterest expense to average assets | 2.2936% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4341% | 1,432 |
| Return on assets (ROA) | 1.4941% | 1,333 |
| Pretax return on assets | 1.5728% | 1,784 |
| Return on Equity (ROE) | 7.1826% | 3,623 |
| Retained earnings to average equity (ytd only) | 5.0633% | 3,197 |
| Net charge-offs to loans | 0.0096% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 316.7500% | 422 |
| Efficiency ratio | 60.3070% | 2,939 |
| Assets per employee ($millions) | 4.8467% | 3,844 |
| Cash dividends to net income (ytd only)* | 29.5056% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7945% | 4,355 |
| Loan loss allowance to noncurrent loans | 882.3529% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 3,847 |
| Noncurrent loans to loans | 0.0900% | 3,629 |
| Net loans and leases to total assets | 50.4041% | 3,361 |
| Net loans and leases to deposits | 66.2559% | 2,608 |
| Net loans and leases to core deposits | 67.5739% | 2,816 |
| Total domestic deposits to total assets | 76.0749% | 4,534 |
| Equity capital to assets | 21.1244% | 157 |
| Core capital (leverage) ratio | 20.2810% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1102% | 192 |
| Memoranda: | ||
| Average total assets | $111,901,750 | 3,926 |
| Average earning assets | $95,979,250 | 4,000 |
| Average equity | $23,278,000 | 2,995 |
| Average total loans | $55,704,750 | 3,950 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 2,587 |
| Cost of funding earning assets | 0.4446% | 1,560 |
| Net interest margin | 3.1664% | 2,859 |
| Noninterest income to average assets | 0.7372% | 1,698 |
| Noninterest expense to average assets | 2.2116% | 3,051 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1603% | 2,333 |
| Return on assets (ROA) | 1.1603% | 2,393 |
| Pretax return on assets | 1.2209% | 2,856 |
| Return on Equity (ROE) | 5.6063% | 4,001 |
| Retained earnings to average equity (ytd only) | 3.4759% | 3,693 |
| Net charge-offs to loans | -0.0036% | 3,335 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4306% | 2,372 |
| Assets per employee ($millions) | 4.6874% | 3,943 |
| Cash dividends to net income (ytd only)* | 38.0000% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 4,386 |
| Loan loss allowance to noncurrent loans | 2,068.1818% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 4,151 |
| Noncurrent loans to loans | 0.0380% | 4,009 |
| Net loans and leases to total assets | 51.1138% | 3,438 |
| Net loans and leases to deposits | 66.9976% | 2,720 |
| Net loans and leases to core deposits | 68.7338% | 2,891 |
| Total domestic deposits to total assets | 76.2920% | 4,546 |
| Equity capital to assets | 20.7035% | 162 |
| Core capital (leverage) ratio | 19.4913% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4541% | 196 |
| Memoranda: | ||
| Average total assets | $112,044,667 | 3,947 |
| Average earning assets | $95,375,333 | 4,031 |
| Average equity | $23,188,000 | 2,995 |
| Average total loans | $55,394,000 | 3,983 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 2,415 |
| Cost of funding earning assets | 0.4489% | 1,731 |
| Net interest margin | 3.2301% | 2,603 |
| Noninterest income to average assets | 0.4686% | 2,761 |
| Noninterest expense to average assets | 2.1964% | 3,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9766% | 2,882 |
| Return on assets (ROA) | 0.9766% | 2,977 |
| Pretax return on assets | 1.0267% | 3,299 |
| Return on Equity (ROE) | 4.7198% | 4,149 |
| Retained earnings to average equity (ytd only) | 2.5933% | 3,899 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1465% | 1,916 |
| Assets per employee ($millions) | 4.9577% | 3,710 |
| Cash dividends to net income (ytd only)* | 45.0549% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 4,341 |
| Loan loss allowance to noncurrent loans | 45,400.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 3,966 |
| Noncurrent loans to loans | 0.0018% | 4,327 |
| Net loans and leases to total assets | 47.4927% | 3,859 |
| Net loans and leases to deposits | 61.9505% | 3,319 |
| Net loans and leases to core deposits | 63.5208% | 3,455 |
| Total domestic deposits to total assets | 76.6623% | 4,546 |
| Equity capital to assets | 20.2199% | 180 |
| Core capital (leverage) ratio | 19.6648% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6055% | 208 |
| Memoranda: | ||
| Average total assets | $111,818,000 | 3,958 |
| Average earning assets | $95,352,000 | 4,034 |
| Average equity | $23,136,500 | 2,981 |
| Average total loans | $54,112,500 | 4,023 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 2,558 |
| Cost of funding earning assets | 0.6447% | 2,031 |
| Net interest margin | 3.4122% | 2,739 |
| Noninterest income to average assets | 0.2595% | 3,929 |
| Noninterest expense to average assets | 2.2312% | 3,589 |
| Loan and lease loss provision to assets | 0.1073% | 2,998 |
| Net operating income to assets | 1.0254% | 2,197 |
| Return on assets (ROA) | 1.0273% | 2,329 |
| Pretax return on assets | 1.0468% | 2,891 |
| Return on Equity (ROE) | 4.5426% | 4,014 |
| Retained earnings to average equity (ytd only) | 0.8153% | 4,286 |
| Net charge-offs to loans | 0.8545% | 161 |
| Credit loss provision to net charge-offs | 24.1228% | 3,233 |
| Earnings coverage of net charge-offs (x) | 2.5899% | 3,152 |
| Efficiency ratio | 65.9458% | 2,539 |
| Assets per employee ($millions) | 4.9823% | 3,410 |
| Cash dividends to net income (ytd only)* | 82.0513% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 4,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 4,045 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 48.5020% | 3,941 |
| Net loans and leases to deposits | 64.0711% | 3,432 |
| Net loans and leases to core deposits | 65.4733% | 3,584 |
| Total domestic deposits to total assets | 75.7002% | 4,527 |
| Equity capital to assets | 21.1815% | 161 |
| Core capital (leverage) ratio | 20.1877% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3569% | 199 |
| Memoranda: | ||
| Average total assets | $102,502,200 | 3,961 |
| Average earning assets | $93,839,000 | 3,978 |
| Average equity | $23,180,600 | 2,926 |
| Average total loans | $53,366,000 | 4,041 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 2,718 |
| Cost of funding earning assets | 0.6569% | 2,287 |
| Net interest margin | 3.4276% | 2,823 |
| Noninterest income to average assets | 0.3958% | 3,103 |
| Noninterest expense to average assets | 2.1391% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3887% | 1,126 |
| Return on assets (ROA) | 1.3912% | 1,218 |
| Pretax return on assets | 1.4640% | 1,531 |
| Return on Equity (ROE) | 6.0475% | 3,537 |
| Retained earnings to average equity (ytd only) | 3.9185% | 3,093 |
| Net charge-offs to loans | 0.2551% | 603 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 10.8235% | 2,334 |
| Efficiency ratio | 59.4118% | 3,464 |
| Assets per employee ($millions) | 4.7597% | 3,525 |
| Cash dividends to net income (ytd only)* | 35.2046% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 2,579 |
| Loan loss allowance to noncurrent loans | 70.1508% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 965 |
| Noncurrent loans to loans | 1.7334% | 778 |
| Net loans and leases to total assets | 54.1494% | 3,789 |
| Net loans and leases to deposits | 73.2243% | 3,019 |
| Net loans and leases to core deposits | 74.6904% | 3,266 |
| Total domestic deposits to total assets | 73.9500% | 4,567 |
| Equity capital to assets | 22.7009% | 130 |
| Core capital (leverage) ratio | 21.5690% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6613% | 208 |
| Memoranda: | ||
| Average total assets | $100,725,250 | 3,981 |
| Average earning assets | $94,175,250 | 3,968 |
| Average equity | $23,171,500 | 2,925 |
| Average total loans | $53,303,250 | 4,060 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 2,966 |
| Cost of funding earning assets | 0.7154% | 2,304 |
| Net interest margin | 3.4156% | 3,052 |
| Noninterest income to average assets | 0.3682% | 3,269 |
| Noninterest expense to average assets | 2.1248% | 3,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3624% | 1,197 |
| Return on assets (ROA) | 1.3663% | 1,281 |
| Pretax return on assets | 1.4367% | 1,622 |
| Return on Equity (ROE) | 5.9116% | 3,545 |
| Retained earnings to average equity (ytd only) | 3.7612% | 3,037 |
| Net charge-offs to loans | 0.4005% | 394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.8462% | 2,412 |
| Efficiency ratio | 59.7285% | 3,446 |
| Assets per employee ($millions) | 5.4571% | 2,683 |
| Cash dividends to net income (ytd only)* | 36.3770% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 1,933 |
| Loan loss allowance to noncurrent loans | 277.6892% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 2,768 |
| Noncurrent loans to loans | 0.4731% | 2,730 |
| Net loans and leases to total assets | 50.5001% | 4,138 |
| Net loans and leases to deposits | 68.4127% | 3,531 |
| Net loans and leases to core deposits | 71.1978% | 3,633 |
| Total domestic deposits to total assets | 73.8168% | 4,609 |
| Equity capital to assets | 22.7159% | 132 |
| Core capital (leverage) ratio | 21.6578% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.7458% | 177 |
| Memoranda: | ||
| Average total assets | $99,395,667 | 4,004 |
| Average earning assets | $92,809,000 | 3,987 |
| Average equity | $22,971,667 | 2,930 |
| Average total loans | $51,937,667 | 4,105 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 2,481 |
| Cost of funding earning assets | 0.7663% | 2,569 |
| Net interest margin | 3.6721% | 2,425 |
| Noninterest income to average assets | 0.2756% | 3,876 |
| Noninterest expense to average assets | 2.2252% | 3,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3865% | 1,022 |
| Return on assets (ROA) | 1.3943% | 1,077 |
| Pretax return on assets | 1.4684% | 1,390 |
| Return on Equity (ROE) | 5.9786% | 3,326 |
| Retained earnings to average equity (ytd only) | 3.8094% | 2,749 |
| Net charge-offs to loans | 0.8019% | 190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 3.4466% | 2,215 |
| Efficiency ratio | 60.3795% | 3,691 |
| Assets per employee ($millions) | 5.2121% | 2,412 |
| Cash dividends to net income (ytd only)* | 36.2832% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 1,713 |
| Loan loss allowance to noncurrent loans | 255.3114% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 1.6015% | 640 |
| Noncurrent loans to loans | 0.5471% | 2,627 |
| Net loans and leases to total assets | 49.6890% | 4,256 |
| Net loans and leases to deposits | 67.9195% | 3,734 |
| Net loans and leases to core deposits | 70.4265% | 3,852 |
| Total domestic deposits to total assets | 73.1586% | 4,715 |
| Equity capital to assets | 23.0728% | 147 |
| Core capital (leverage) ratio | 23.0525% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.8280% | 175 |
| Memoranda: | ||
| Average total assets | $97,251,000 | 4,027 |
| Average earning assets | $90,302,000 | 4,022 |
| Average equity | $22,681,000 | 2,949 |
| Average total loans | $51,377,500 | 4,129 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5818% | 2,680 |
| Cost of funding earning assets | 0.7973% | 2,697 |
| Net interest margin | 3.7845% | 2,552 |
| Noninterest income to average assets | 0.3005% | 3,887 |
| Noninterest expense to average assets | 2.3770% | 3,744 |
| Loan and lease loss provision to assets | 0.4203% | 334 |
| Net operating income to assets | 1.0058% | 2,827 |
| Return on assets (ROA) | 1.0088% | 2,904 |
| Pretax return on assets | 1.0729% | 3,254 |
| Return on Equity (ROE) | 4.2795% | 4,400 |
| Retained earnings to average equity (ytd only) | 0.4280% | 4,567 |
| Net charge-offs to loans | 0.7650% | 219 |
| Credit loss provision to net charge-offs | 93.0233% | 2,614 |
| Earnings coverage of net charge-offs (x) | 3.2977% | 3,331 |
| Efficiency ratio | 61.4674% | 3,458 |
| Assets per employee ($millions) | 5.3040% | 2,242 |
| Cash dividends to net income (ytd only)* | 90.0000% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 1,183 |
| Loan loss allowance to noncurrent loans | 238.8060% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 1.8047% | 482 |
| Noncurrent loans to loans | 0.6339% | 2,301 |
| Net loans and leases to total assets | 54.5196% | 4,046 |
| Net loans and leases to deposits | 74.4628% | 3,310 |
| Net loans and leases to core deposits | 77.0190% | 3,514 |
| Total domestic deposits to total assets | 73.2173% | 4,815 |
| Equity capital to assets | 23.5807% | 145 |
| Core capital (leverage) ratio | 23.0814% | 156 |
| Tier 1 risk-based capital ratio | 34.2677% | 345 |
| Total risk-based capital ratio | 35.5177% | 340 |
| Memoranda: | ||
| Average total assets | $95,161,600 | 4,069 |
| Average earning assets | $89,681,600 | 4,050 |
| Average equity | $22,432,400 | 2,927 |
| Average total loans | $56,211,400 | 4,050 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 2,783 |
| Cost of funding earning assets | 0.7735% | 2,851 |
| Net interest margin | 3.8085% | 2,568 |
| Noninterest income to average assets | 0.3253% | 3,798 |
| Noninterest expense to average assets | 2.3543% | 3,810 |
| Loan and lease loss provision to assets | 0.5609% | 212 |
| Net operating income to assets | 0.9635% | 3,107 |
| Return on assets (ROA) | 0.9675% | 3,171 |
| Pretax return on assets | 1.0180% | 3,533 |
| Return on Equity (ROE) | 4.1048% | 4,569 |
| Retained earnings to average equity (ytd only) | 1.9037% | 4,306 |
| Net charge-offs to loans | 0.9862% | 148 |
| Credit loss provision to net charge-offs | 94.7867% | 2,347 |
| Earnings coverage of net charge-offs (x) | 2.6612% | 3,176 |
| Efficiency ratio | 59.9215% | 3,662 |
| Assets per employee ($millions) | 5.1448% | 2,402 |
| Cash dividends to net income (ytd only)* | 53.6229% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 1,336 |
| Loan loss allowance to noncurrent loans | 45.8830% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.9016% | 488 |
| Noncurrent loans to loans | 3.2019% | 285 |
| Net loans and leases to total assets | 58.5172% | 3,821 |
| Net loans and leases to deposits | 81.0224% | 2,802 |
| Net loans and leases to core deposits | 83.9026% | 3,100 |
| Total domestic deposits to total assets | 72.2235% | 4,905 |
| Equity capital to assets | 24.6245% | 132 |
| Core capital (leverage) ratio | 23.3896% | 149 |
| Tier 1 risk-based capital ratio | 35.8559% | 327 |
| Total risk-based capital ratio | 37.1075% | 321 |
| Memoranda: | ||
| Average total assets | $95,084,000 | 4,117 |
| Average earning assets | $89,973,000 | 4,092 |
| Average equity | $22,412,250 | 2,944 |
| Average total loans | $57,051,500 | 4,076 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 2,793 |
| Cost of funding earning assets | 0.7526% | 2,878 |
| Net interest margin | 3.8095% | 2,554 |
| Noninterest income to average assets | 0.3462% | 3,618 |
| Noninterest expense to average assets | 2.1812% | 4,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6748% | 760 |
| Return on assets (ROA) | 1.6807% | 784 |
| Pretax return on assets | 1.7704% | 1,117 |
| Return on Equity (ROE) | 7.2346% | 3,589 |
| Retained earnings to average equity (ytd only) | 5.0176% | 2,765 |
| Net charge-offs to loans | 0.6027% | 251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 4.8621% | 2,706 |
| Efficiency ratio | 55.2854% | 4,340 |
| Assets per employee ($millions) | 4.5284% | 3,096 |
| Cash dividends to net income (ytd only)* | 30.6452% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 2,583 |
| Loan loss allowance to noncurrent loans | 32.1096% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 2.9896% | 200 |
| Noncurrent loans to loans | 3.7024% | 210 |
| Net loans and leases to total assets | 57.3357% | 3,977 |
| Net loans and leases to deposits | 79.3469% | 3,014 |
| Net loans and leases to core deposits | 82.1058% | 3,261 |
| Total domestic deposits to total assets | 72.2596% | 4,961 |
| Equity capital to assets | 24.0652% | 137 |
| Core capital (leverage) ratio | 23.3222% | 144 |
| Tier 1 risk-based capital ratio | 33.9636% | 363 |
| Total risk-based capital ratio | 34.9746% | 362 |
| Memoranda: | ||
| Average total assets | $95,909,670 | 4,128 |
| Average earning assets | $90,616,670 | 4,104 |
| Average equity | $22,281,670 | 2,946 |
| Average total loans | $57,735,670 | 4,093 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6813% | 2,292 |
| Cost of funding earning assets | 0.7398% | 2,834 |
| Net interest margin | 3.9414% | 2,059 |
| Noninterest income to average assets | 0.3488% | 3,525 |
| Noninterest expense to average assets | 2.1928% | 4,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7781% | 608 |
| Return on assets (ROA) | 1.7899% | 605 |
| Pretax return on assets | 1.8855% | 817 |
| Return on Equity (ROE) | 7.8435% | 3,328 |
| Retained earnings to average equity (ytd only) | 5.6051% | 2,639 |
| Net charge-offs to loans | 1.0709% | 126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.8544% | 2,451 |
| Efficiency ratio | 53.9326% | 4,535 |
| Assets per employee ($millions) | 4.8558% | 2,696 |
| Cash dividends to net income (ytd only)* | 28.5383% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 2,973 |
| Loan loss allowance to noncurrent loans | 33.8539% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.8677% | 226 |
| Noncurrent loans to loans | 3.3360% | 287 |
| Net loans and leases to total assets | 60.5781% | 3,653 |
| Net loans and leases to deposits | 84.0023% | 2,385 |
| Net loans and leases to core deposits | 86.3334% | 2,843 |
| Total domestic deposits to total assets | 72.1148% | 5,038 |
| Equity capital to assets | 22.9828% | 149 |
| Core capital (leverage) ratio | 22.8788% | 154 |
| Tier 1 risk-based capital ratio | 31.7179% | 420 |
| Total risk-based capital ratio | 32.6976% | 423 |
| Memoranda: | ||
| Average total assets | $96,316,500 | 4,161 |
| Average earning assets | $90,830,000 | 4,129 |
| Average equity | $21,980,000 | 2,975 |
| Average total loans | $59,013,500 | 4,109 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 2,070 |
| Cost of funding earning assets | 0.6543% | 2,362 |
| Net interest margin | 3.9699% | 2,094 |
| Noninterest income to average assets | 0.3400% | 3,839 |
| Noninterest expense to average assets | 2.2175% | 4,298 |
| Loan and lease loss provision to assets | 0.6950% | 147 |
| Net operating income to assets | 1.1292% | 2,479 |
| Return on assets (ROA) | 1.1312% | 2,467 |
| Pretax return on assets | 1.1922% | 2,912 |
| Return on Equity (ROE) | 4.9086% | 4,476 |
| Retained earnings to average equity (ytd only) | 0.9001% | 4,739 |
| Net charge-offs to loans | 0.6001% | 283 |
| Credit loss provision to net charge-offs | 185.7143% | 1,530 |
| Earnings coverage of net charge-offs (x) | 5.0371% | 3,230 |
| Efficiency ratio | 54.0526% | 4,615 |
| Assets per employee ($millions) | 4.7759% | 2,776 |
| Cash dividends to net income (ytd only)* | 81.6635% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 1,561 |
| Loan loss allowance to noncurrent loans | 38.5973% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 3.0916% | 194 |
| Noncurrent loans to loans | 3.6788% | 224 |
| Net loans and leases to total assets | 60.4008% | 3,728 |
| Net loans and leases to deposits | 83.4655% | 2,569 |
| Net loans and leases to core deposits | 85.8080% | 2,932 |
| Total domestic deposits to total assets | 72.3662% | 5,055 |
| Equity capital to assets | 22.6557% | 154 |
| Core capital (leverage) ratio | 22.7148% | 151 |
| Tier 1 risk-based capital ratio | 31.6105% | 403 |
| Total risk-based capital ratio | 32.8335% | 404 |
| Memoranda: | ||
| Average total assets | $93,528,400 | 4,209 |
| Average earning assets | $88,642,600 | 4,174 |
| Average equity | $21,554,200 | 2,932 |
| Average total loans | $58,327,200 | 4,136 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4558% | 2,450 |
| Cost of funding earning assets | 0.5981% | 2,484 |
| Net interest margin | 3.8576% | 2,446 |
| Noninterest income to average assets | 0.3540% | 3,762 |
| Noninterest expense to average assets | 2.1727% | 4,385 |
| Loan and lease loss provision to assets | 0.9316% | 93 |
| Net operating income to assets | 0.8643% | 3,684 |
| Return on assets (ROA) | 0.8671% | 3,676 |
| Pretax return on assets | 0.9129% | 3,974 |
| Return on Equity (ROE) | 3.7462% | 4,875 |
| Retained earnings to average equity (ytd only) | 1.4551% | 4,743 |
| Net charge-offs to loans | 0.8030% | 175 |
| Credit loss provision to net charge-offs | 185.1852% | 1,471 |
| Earnings coverage of net charge-offs (x) | 3.6610% | 3,140 |
| Efficiency ratio | 54.1235% | 4,603 |
| Assets per employee ($millions) | 4.7361% | 2,801 |
| Cash dividends to net income (ytd only)* | 61.1566% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 1,833 |
| Loan loss allowance to noncurrent loans | 18.6601% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 5.5404% | 67 |
| Noncurrent loans to loans | 7.3111% | 54 |
| Net loans and leases to total assets | 63.3528% | 3,500 |
| Net loans and leases to deposits | 90.9875% | 1,760 |
| Net loans and leases to core deposits | 93.6470% | 2,330 |
| Total domestic deposits to total assets | 69.6280% | 5,232 |
| Equity capital to assets | 22.5935% | 150 |
| Core capital (leverage) ratio | 23.1930% | 135 |
| Tier 1 risk-based capital ratio | 30.2935% | 465 |
| Total risk-based capital ratio | 31.4623% | 458 |
| Memoranda: | ||
| Average total assets | $93,031,250 | 4,262 |
| Average earning assets | $88,273,250 | 4,219 |
| Average equity | $21,532,750 | 2,948 |
| Average total loans | $58,278,000 | 4,179 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 2,447 |
| Cost of funding earning assets | 0.5619% | 2,504 |
| Net interest margin | 3.8307% | 2,450 |
| Noninterest income to average assets | 0.3850% | 3,586 |
| Noninterest expense to average assets | 2.1910% | 4,392 |
| Loan and lease loss provision to assets | 1.0815% | 71 |
| Net operating income to assets | 0.7183% | 4,146 |
| Return on assets (ROA) | 0.7224% | 4,136 |
| Pretax return on assets | 0.7592% | 4,368 |
| Return on Equity (ROE) | 3.0959% | 5,010 |
| Retained earnings to average equity (ytd only) | 0.8064% | 4,804 |
| Net charge-offs to loans | 1.2294% | 102 |
| Credit loss provision to net charge-offs | 141.6431% | 1,633 |
| Earnings coverage of net charge-offs (x) | 2.4051% | 2,975 |
| Efficiency ratio | 54.4039% | 4,649 |
| Assets per employee ($millions) | 4.7965% | 2,689 |
| Cash dividends to net income (ytd only)* | 73.9521% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,829 |
| Loan loss allowance to noncurrent loans | 13.4444% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 5.5731% | 71 |
| Noncurrent loans to loans | 8.7872% | 36 |
| Net loans and leases to total assets | 62.2292% | 3,573 |
| Net loans and leases to deposits | 85.4405% | 2,386 |
| Net loans and leases to core deposits | 87.9133% | 2,726 |
| Total domestic deposits to total assets | 72.8334% | 5,129 |
| Equity capital to assets | 23.4731% | 135 |
| Core capital (leverage) ratio | 23.1912% | 134 |
| Tier 1 risk-based capital ratio | 31.9237% | 412 |
| Total risk-based capital ratio | 32.9369% | 415 |
| Memoranda: | ||
| Average total assets | $92,467,670 | 4,307 |
| Average earning assets | $87,922,000 | 4,256 |
| Average equity | $21,576,670 | 2,960 |
| Average total loans | $57,424,330 | 4,230 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 1,713 |
| Cost of funding earning assets | 0.5383% | 2,487 |
| Net interest margin | 4.0126% | 1,690 |
| Noninterest income to average assets | 0.3178% | 4,028 |
| Noninterest expense to average assets | 2.1947% | 4,433 |
| Loan and lease loss provision to assets | 0.4295% | 251 |
| Net operating income to assets | 1.4306% | 1,251 |
| Return on assets (ROA) | 1.4388% | 1,235 |
| Pretax return on assets | 1.5118% | 1,659 |
| Return on Equity (ROE) | 6.1839% | 4,096 |
| Retained earnings to average equity (ytd only) | 3.8950% | 3,637 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1738% | 4,866 |
| Assets per employee ($millions) | 4.8581% | 2,667 |
| Cash dividends to net income (ytd only)* | 37.0149% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,516 |
| Loan loss allowance to noncurrent loans | 650.5155% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 4,367 |
| Noncurrent loans to loans | 0.1656% | 4,234 |
| Net loans and leases to total assets | 62.7882% | 3,446 |
| Net loans and leases to deposits | 85.4871% | 2,233 |
| Net loans and leases to core deposits | 87.3858% | 2,687 |
| Total domestic deposits to total assets | 73.4475% | 5,199 |
| Equity capital to assets | 23.3858% | 132 |
| Core capital (leverage) ratio | 23.4741% | 131 |
| Tier 1 risk-based capital ratio | 32.7646% | 383 |
| Total risk-based capital ratio | 33.7267% | 385 |
| Memoranda: | ||
| Average total assets | $93,134,500 | 4,345 |
| Average earning assets | $88,421,000 | 4,291 |
| Average equity | $21,669,000 | 2,981 |
| Average total loans | $57,441,500 | 4,266 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 1,972 |
| Cost of funding earning assets | 0.5535% | 1,924 |
| Net interest margin | 3.8668% | 2,194 |
| Noninterest income to average assets | 0.2899% | 4,391 |
| Noninterest expense to average assets | 2.3557% | 4,196 |
| Loan and lease loss provision to assets | 0.1074% | 2,091 |
| Net operating income to assets | 1.4123% | 986 |
| Return on assets (ROA) | 1.4678% | 882 |
| Pretax return on assets | 1.5537% | 1,440 |
| Return on Equity (ROE) | 6.2313% | 3,657 |
| Retained earnings to average equity (ytd only) | 1.7322% | 4,273 |
| Net charge-offs to loans | 0.6275% | 360 |
| Credit loss provision to net charge-offs | 29.4118% | 3,541 |
| Earnings coverage of net charge-offs (x) | 4.3882% | 3,473 |
| Efficiency ratio | 59.5225% | 4,333 |
| Assets per employee ($millions) | 4.9455% | 2,545 |
| Cash dividends to net income (ytd only)* | 72.2019% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 4,254 |
| Loan loss allowance to noncurrent loans | 2,308.6957% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 4,809 |
| Noncurrent loans to loans | 0.0409% | 4,825 |
| Net loans and leases to total assets | 59.3466% | 3,899 |
| Net loans and leases to deposits | 80.7744% | 2,839 |
| Net loans and leases to core deposits | 82.5292% | 3,200 |
| Total domestic deposits to total assets | 73.4720% | 5,229 |
| Equity capital to assets | 23.1490% | 128 |
| Core capital (leverage) ratio | 22.6452% | 129 |
| Tier 1 risk-based capital ratio | 33.0414% | 374 |
| Total risk-based capital ratio | 34.6502% | 352 |
| Memoranda: | ||
| Average total assets | $93,134,400 | 4,368 |
| Average earning assets | $88,341,600 | 4,327 |
| Average equity | $21,937,800 | 2,961 |
| Average total loans | $54,186,800 | 4,357 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 2,044 |
| Cost of funding earning assets | 0.5339% | 1,997 |
| Net interest margin | 3.8371% | 2,254 |
| Noninterest income to average assets | 0.2956% | 4,419 |
| Noninterest expense to average assets | 2.3114% | 4,270 |
| Loan and lease loss provision to assets | 0.0717% | 2,644 |
| Net operating income to assets | 1.4742% | 947 |
| Return on assets (ROA) | 1.5424% | 836 |
| Pretax return on assets | 1.6242% | 1,334 |
| Return on Equity (ROE) | 6.5197% | 3,903 |
| Retained earnings to average equity (ytd only) | 4.2757% | 3,356 |
| Net charge-offs to loans | 0.8274% | 216 |
| Credit loss provision to net charge-offs | 15.0150% | 3,193 |
| Earnings coverage of net charge-offs (x) | 3.3994% | 3,343 |
| Efficiency ratio | 58.7313% | 4,398 |
| Assets per employee ($millions) | 4.6260% | 2,939 |
| Cash dividends to net income (ytd only)* | 34.4185% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 4,731 |
| Loan loss allowance to noncurrent loans | 473.7864% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 4,690 |
| Noncurrent loans to loans | 0.1809% | 4,340 |
| Net loans and leases to total assets | 61.0106% | 3,765 |
| Net loans and leases to deposits | 86.3645% | 2,254 |
| Net loans and leases to core deposits | 87.7951% | 2,792 |
| Total domestic deposits to total assets | 70.6431% | 5,456 |
| Equity capital to assets | 24.2218% | 119 |
| Core capital (leverage) ratio | 23.4252% | 120 |
| Tier 1 risk-based capital ratio | 33.4873% | 365 |
| Total risk-based capital ratio | 34.2438% | 375 |
| Memoranda: | ||
| Average total assets | $92,926,750 | 4,412 |
| Average earning assets | $88,154,250 | 4,371 |
| Average equity | $21,984,250 | 2,981 |
| Average total loans | $53,659,500 | 4,411 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3208% | 2,063 |
| Cost of funding earning assets | 0.5248% | 1,963 |
| Net interest margin | 3.7960% | 2,302 |
| Noninterest income to average assets | 0.2901% | 4,481 |
| Noninterest expense to average assets | 2.3146% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5021% | 860 |
| Return on assets (ROA) | 1.5817% | 757 |
| Pretax return on assets | 1.6656% | 1,137 |
| Return on Equity (ROE) | 6.7392% | 3,699 |
| Retained earnings to average equity (ytd only) | 4.4775% | 3,047 |
| Net charge-offs to loans | 1.2289% | 158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.2786% | 3,179 |
| Efficiency ratio | 59.4043% | 4,408 |
| Assets per employee ($millions) | 4.2260% | 3,570 |
| Cash dividends to net income (ytd only)* | 33.5598% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8409% | 4,838 |
| Loan loss allowance to noncurrent loans | 116.9713% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 3,463 |
| Noncurrent loans to loans | 0.7189% | 2,595 |
| Net loans and leases to total assets | 56.8186% | 4,142 |
| Net loans and leases to deposits | 80.0612% | 2,904 |
| Net loans and leases to core deposits | 80.4453% | 3,385 |
| Total domestic deposits to total assets | 70.9690% | 5,507 |
| Equity capital to assets | 23.9661% | 116 |
| Core capital (leverage) ratio | 23.1323% | 124 |
| Tier 1 risk-based capital ratio | 34.7643% | 316 |
| Total risk-based capital ratio | 35.4925% | 319 |
| Memoranda: | ||
| Average total assets | $93,062,330 | 4,435 |
| Average earning assets | $88,409,330 | 4,393 |
| Average equity | $21,842,330 | 2,992 |
| Average total loans | $52,567,670 | 4,455 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 1,999 |
| Cost of funding earning assets | 0.5288% | 1,867 |
| Net interest margin | 3.7556% | 2,278 |
| Noninterest income to average assets | 0.2964% | 4,432 |
| Noninterest expense to average assets | 2.3758% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4177% | 965 |
| Return on assets (ROA) | 1.4177% | 993 |
| Pretax return on assets | 1.4908% | 1,562 |
| Return on Equity (ROE) | 6.1048% | 3,860 |
| Retained earnings to average equity (ytd only) | 3.8293% | 3,543 |
| Net charge-offs to loans | 0.4213% | 436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.3091% | 2,224 |
| Efficiency ratio | 61.4444% | 4,236 |
| Assets per employee ($millions) | 4.6512% | 2,920 |
| Cash dividends to net income (ytd only)* | 37.2727% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 2,361 |
| Loan loss allowance to noncurrent loans | 208.1395% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3698% | 3,723 |
| Noncurrent loans to loans | 0.6415% | 2,900 |
| Net loans and leases to total assets | 56.8795% | 4,081 |
| Net loans and leases to deposits | 79.1939% | 2,843 |
| Net loans and leases to core deposits | 80.0057% | 3,296 |
| Total domestic deposits to total assets | 71.8231% | 5,548 |
| Equity capital to assets | 23.4469% | 124 |
| Core capital (leverage) ratio | 22.9414% | 125 |
| Tier 1 risk-based capital ratio | 33.8889% | 356 |
| Total risk-based capital ratio | 35.0387% | 353 |
| Memoranda: | ||
| Average total assets | $93,107,000 | 4,479 |
| Average earning assets | $88,507,000 | 4,431 |
| Average equity | $21,622,500 | 3,016 |
| Average total loans | $52,214,500 | 4,501 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 2,046 |
| Cost of funding earning assets | 0.5347% | 1,831 |
| Net interest margin | 3.7952% | 2,334 |
| Noninterest income to average assets | 0.3092% | 4,524 |
| Noninterest expense to average assets | 2.2455% | 4,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5844% | 707 |
| Return on assets (ROA) | 1.6947% | 577 |
| Pretax return on assets | 1.7896% | 822 |
| Return on Equity (ROE) | 7.2599% | 3,330 |
| Retained earnings to average equity (ytd only) | 2.7982% | 3,912 |
| Net charge-offs to loans | 0.0194% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 158.6000% | 409 |
| Efficiency ratio | 57.2967% | 4,925 |
| Assets per employee ($millions) | 4.6596% | 2,861 |
| Cash dividends to net income (ytd only)* | 61.4570% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 1,607 |
| Loan loss allowance to noncurrent loans | 1,285.0000% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 5,070 |
| Noncurrent loans to loans | 0.1181% | 4,761 |
| Net loans and leases to total assets | 53.6865% | 4,463 |
| Net loans and leases to deposits | 73.7888% | 3,536 |
| Net loans and leases to core deposits | 74.5341% | 3,874 |
| Total domestic deposits to total assets | 72.7570% | 5,513 |
| Equity capital to assets | 23.0001% | 127 |
| Core capital (leverage) ratio | 22.3021% | 132 |
| Tier 1 risk-based capital ratio | 34.7917% | 325 |
| Total risk-based capital ratio | 36.0420% | 324 |
| Memoranda: | ||
| Average total assets | $94,767,200 | 4,449 |
| Average earning assets | $90,139,400 | 4,380 |
| Average equity | $22,121,600 | 2,977 |
| Average total loans | $51,486,400 | 4,536 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3413% | 2,030 |
| Cost of funding earning assets | 0.5195% | 1,942 |
| Net interest margin | 3.8219% | 2,255 |
| Noninterest income to average assets | 0.3124% | 4,534 |
| Noninterest expense to average assets | 2.1647% | 4,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6974% | 595 |
| Return on assets (ROA) | 1.7640% | 552 |
| Pretax return on assets | 1.8564% | 788 |
| Return on Equity (ROE) | 7.5296% | 3,280 |
| Retained earnings to average equity (ytd only) | 5.3168% | 2,612 |
| Net charge-offs to loans | 0.0258% | 3,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 127.5289% | 539 |
| Efficiency ratio | 54.7872% | 5,176 |
| Assets per employee ($millions) | 4.6076% | 2,913 |
| Cash dividends to net income (ytd only)* | 29.3884% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 1,707 |
| Loan loss allowance to noncurrent loans | 1,223.8095% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 5,167 |
| Noncurrent loans to loans | 0.1239% | 4,845 |
| Net loans and leases to total assets | 54.3326% | 4,469 |
| Net loans and leases to deposits | 76.6738% | 3,327 |
| Net loans and leases to core deposits | 77.8396% | 3,680 |
| Total domestic deposits to total assets | 70.8620% | 5,648 |
| Equity capital to assets | 24.7181% | 111 |
| Core capital (leverage) ratio | 22.6026% | 131 |
| Tier 1 risk-based capital ratio | 35.5186% | 322 |
| Total risk-based capital ratio | 36.7686% | 319 |
| Memoranda: | ||
| Average total assets | $95,161,250 | 4,478 |
| Average earning assets | $90,599,500 | 4,404 |
| Average equity | $22,293,500 | 2,989 |
| Average total loans | $51,657,500 | 4,566 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3096% | 2,126 |
| Cost of funding earning assets | 0.5133% | 1,999 |
| Net interest margin | 3.7963% | 2,336 |
| Noninterest income to average assets | 0.3203% | 4,490 |
| Noninterest expense to average assets | 2.1193% | 5,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7253% | 552 |
| Return on assets (ROA) | 1.8260% | 479 |
| Pretax return on assets | 1.9217% | 669 |
| Return on Equity (ROE) | 7.9342% | 3,013 |
| Retained earnings to average equity (ytd only) | 5.7022% | 2,296 |
| Net charge-offs to loans | -0.0231% | 5,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8584% | 5,320 |
| Assets per employee ($millions) | 4.7457% | 2,638 |
| Cash dividends to net income (ytd only)* | 28.1321% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 1,918 |
| Loan loss allowance to noncurrent loans | 3,026.9231% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 5,482 |
| Noncurrent loans to loans | 0.0491% | 5,265 |
| Net loans and leases to total assets | 54.9956% | 4,415 |
| Net loans and leases to deposits | 76.6930% | 3,306 |
| Net loans and leases to core deposits | 78.1208% | 3,631 |
| Total domestic deposits to total assets | 71.7088% | 5,682 |
| Equity capital to assets | 23.8724% | 117 |
| Core capital (leverage) ratio | 21.8996% | 137 |
| Tier 1 risk-based capital ratio | 33.9222% | 364 |
| Total risk-based capital ratio | 35.1730% | 356 |
| Memoranda: | ||
| Average total assets | $96,164,670 | 4,496 |
| Average earning assets | $91,563,000 | 4,430 |
| Average equity | $22,132,000 | 3,008 |
| Average total loans | $51,930,330 | 4,589 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,207 |
| Cost of funding earning assets | 0.5104% | 2,023 |
| Net interest margin | 3.7676% | 2,410 |
| Noninterest income to average assets | 0.3595% | 4,153 |
| Noninterest expense to average assets | 2.1159% | 5,089 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7498% | 513 |
| Return on assets (ROA) | 1.8597% | 459 |
| Pretax return on assets | 1.9589% | 614 |
| Return on Equity (ROE) | 8.2308% | 2,793 |
| Retained earnings to average equity (ytd only) | 8.2308% | 1,362 |
| Net charge-offs to loans | -0.0545% | 5,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4447% | 5,432 |
| Assets per employee ($millions) | 4.8135% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,981 |
| Loan loss allowance to noncurrent loans | 2,462.5000% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 5,510 |
| Noncurrent loans to loans | 0.0610% | 5,236 |
| Net loans and leases to total assets | 53.7182% | 4,478 |
| Net loans and leases to deposits | 74.0984% | 3,427 |
| Net loans and leases to core deposits | 75.7470% | 3,701 |
| Total domestic deposits to total assets | 72.4958% | 5,739 |
| Equity capital to assets | 23.0853% | 129 |
| Core capital (leverage) ratio | 21.5947% | 145 |
| Tier 1 risk-based capital ratio | 33.8206% | 372 |
| Total risk-based capital ratio | 35.0704% | 365 |
| Memoranda: | ||
| Average total assets | $96,790,500 | 4,515 |
| Average earning assets | $92,472,500 | 4,450 |
| Average equity | $21,869,000 | 3,036 |
| Average total loans | $51,403,000 | 4,633 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 1,771 |
| Cost of funding earning assets | 0.5453% | 1,807 |
| Net interest margin | 3.8953% | 2,046 |
| Noninterest income to average assets | 0.2724% | 4,928 |
| Noninterest expense to average assets | 2.2268% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6545% | 625 |
| Return on assets (ROA) | 1.6654% | 630 |
| Pretax return on assets | 1.7468% | 901 |
| Return on Equity (ROE) | 7.3956% | 3,309 |
| Retained earnings to average equity (ytd only) | 2.8220% | 4,064 |
| Net charge-offs to loans | -0.0095% | 5,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2023% | 5,328 |
| Assets per employee ($millions) | 4.6339% | 2,842 |
| Cash dividends to net income (ytd only)* | 61.8421% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 1,793 |
| Loan loss allowance to noncurrent loans | 7,100.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 5,661 |
| Noncurrent loans to loans | 0.0219% | 5,429 |
| Net loans and leases to total assets | 50.8909% | 4,788 |
| Net loans and leases to deposits | 69.2494% | 3,995 |
| Net loans and leases to core deposits | 70.7522% | 4,239 |
| Total domestic deposits to total assets | 73.4894% | 5,687 |
| Equity capital to assets | 22.1083% | 141 |
| Core capital (leverage) ratio | 20.7869% | 166 |
| Tier 1 risk-based capital ratio | 33.6777% | 373 |
| Total risk-based capital ratio | 34.9283% | 368 |
| Memoranda: | ||
| Average total assets | $95,831,000 | 4,544 |
| Average earning assets | $90,776,000 | 4,489 |
| Average equity | $21,580,400 | 3,016 |
| Average total loans | $52,730,000 | 4,589 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 1,635 |
| Cost of funding earning assets | 0.5331% | 1,943 |
| Net interest margin | 3.9519% | 1,870 |
| Noninterest income to average assets | 0.2668% | 5,026 |
| Noninterest expense to average assets | 2.1356% | 5,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7760% | 547 |
| Return on assets (ROA) | 1.7906% | 554 |
| Pretax return on assets | 1.8841% | 750 |
| Return on Equity (ROE) | 7.9145% | 3,120 |
| Retained earnings to average equity (ytd only) | 5.6303% | 2,505 |
| Net charge-offs to loans | 0.0075% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 445.9900% | 164 |
| Efficiency ratio | 53.3310% | 5,562 |
| Assets per employee ($millions) | 4.5493% | 2,924 |
| Cash dividends to net income (ytd only)* | 28.8611% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 2,602 |
| Loan loss allowance to noncurrent loans | 966.2500% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 5,417 |
| Noncurrent loans to loans | 0.1449% | 5,060 |
| Net loans and leases to total assets | 56.9812% | 4,250 |
| Net loans and leases to deposits | 79.3542% | 2,953 |
| Net loans and leases to core deposits | 81.5047% | 3,307 |
| Total domestic deposits to total assets | 71.8061% | 5,871 |
| Equity capital to assets | 23.0607% | 128 |
| Core capital (leverage) ratio | 21.6108% | 153 |
| Tier 1 risk-based capital ratio | 32.2202% | 438 |
| Total risk-based capital ratio | 33.4304% | 432 |
| Memoranda: | ||
| Average total assets | $95,460,750 | 4,608 |
| Average earning assets | $90,283,250 | 4,549 |
| Average equity | $21,597,000 | 3,033 |
| Average total loans | $53,336,500 | 4,623 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4633% | 1,646 |
| Cost of funding earning assets | 0.5285% | 1,997 |
| Net interest margin | 3.9348% | 1,874 |
| Noninterest income to average assets | 0.2682% | 5,035 |
| Noninterest expense to average assets | 2.0684% | 5,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8181% | 495 |
| Return on assets (ROA) | 1.8400% | 495 |
| Pretax return on assets | 1.9364% | 679 |
| Return on Equity (ROE) | 8.1856% | 2,948 |
| Retained earnings to average equity (ytd only) | 5.8828% | 2,311 |
| Net charge-offs to loans | 0.0038% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 913.0000% | 63 |
| Efficiency ratio | 51.9474% | 5,719 |
| Assets per employee ($millions) | 4.4909% | 3,002 |
| Cash dividends to net income (ytd only)* | 28.1321% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 2,787 |
| Loan loss allowance to noncurrent loans | 25,833.3333% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 5,906 |
| Noncurrent loans to loans | 0.0054% | 5,752 |
| Net loans and leases to total assets | 58.1069% | 4,088 |
| Net loans and leases to deposits | 81.7447% | 2,590 |
| Net loans and leases to core deposits | 84.0117% | 2,981 |
| Total domestic deposits to total assets | 71.0834% | 5,982 |
| Equity capital to assets | 22.8409% | 129 |
| Core capital (leverage) ratio | 21.0273% | 167 |
| Tier 1 risk-based capital ratio | 31.8997% | 463 |
| Total risk-based capital ratio | 33.1175% | 456 |
| Memoranda: | ||
| Average total assets | $95,436,000 | 4,646 |
| Average earning assets | $90,067,330 | 4,593 |
| Average equity | $21,452,330 | 3,062 |
| Average total loans | $52,712,000 | 4,681 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3550% | 1,926 |
| Cost of funding earning assets | 0.5235% | 2,073 |
| Net interest margin | 3.8315% | 2,126 |
| Noninterest income to average assets | 0.2667% | 5,047 |
| Noninterest expense to average assets | 2.1083% | 5,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6961% | 595 |
| Return on assets (ROA) | 1.6208% | 724 |
| Pretax return on assets | 1.7083% | 1,033 |
| Return on Equity (ROE) | 7.2683% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.2683% | 1,874 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1176% | 5,671 |
| Assets per employee ($millions) | 4.6085% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 2,480 |
| Loan loss allowance to noncurrent loans | 77,600.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 5,889 |
| Noncurrent loans to loans | 0.0019% | 5,816 |
| Net loans and leases to total assets | 52.9712% | 4,554 |
| Net loans and leases to deposits | 73.4456% | 3,376 |
| Net loans and leases to core deposits | 75.4019% | 3,650 |
| Total domestic deposits to total assets | 72.1231% | 6,035 |
| Equity capital to assets | 22.5255% | 142 |
| Core capital (leverage) ratio | 21.0181% | 168 |
| Tier 1 risk-based capital ratio | 32.8051% | 430 |
| Total risk-based capital ratio | 34.0546% | 432 |
| Memoranda: | ||
| Average total assets | $95,999,500 | 4,666 |
| Average earning assets | $90,930,000 | 4,620 |
| Average equity | $21,408,000 | 3,085 |
| Average total loans | $51,280,500 | 4,756 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4809% | 1,951 |
| Cost of funding earning assets | 0.5680% | 2,062 |
| Net interest margin | 3.9129% | 2,190 |
| Noninterest income to average assets | 0.3543% | 4,567 |
| Noninterest expense to average assets | 2.2399% | 5,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7292% | 542 |
| Return on assets (ROA) | 1.7312% | 554 |
| Pretax return on assets | 1.8317% | 741 |
| Return on Equity (ROE) | 8.0066% | 3,135 |
| Retained earnings to average equity (ytd only) | 3.1792% | 3,973 |
| Net charge-offs to loans | 0.0655% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 54.0625% | 867 |
| Efficiency ratio | 55.0416% | 5,759 |
| Assets per employee ($millions) | 4.5343% | 2,983 |
| Cash dividends to net income (ytd only)* | 60.2932% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 2,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 5,908 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 52.2411% | 4,764 |
| Net loans and leases to deposits | 71.9666% | 3,686 |
| Net loans and leases to core deposits | 74.1795% | 3,904 |
| Total domestic deposits to total assets | 72.5908% | 6,048 |
| Equity capital to assets | 22.0710% | 150 |
| Core capital (leverage) ratio | 21.1499% | 166 |
| Tier 1 risk-based capital ratio | 31.8104% | 439 |
| Total risk-based capital ratio | 33.0606% | 425 |
| Memoranda: | ||
| Average total assets | $94,558,000 | 4,736 |
| Average earning assets | $89,781,000 | 4,656 |
| Average equity | $20,445,600 | 3,112 |
| Average total loans | $48,820,200 | 4,860 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4631% | 2,009 |
| Cost of funding earning assets | 0.5691% | 2,111 |
| Net interest margin | 3.8940% | 2,269 |
| Noninterest income to average assets | 0.2910% | 5,114 |
| Noninterest expense to average assets | 2.0312% | 5,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8542% | 460 |
| Return on assets (ROA) | 1.8461% | 483 |
| Pretax return on assets | 1.9436% | 646 |
| Return on Equity (ROE) | 8.5831% | 2,914 |
| Retained earnings to average equity (ytd only) | 6.1533% | 2,312 |
| Net charge-offs to loans | 0.0882% | 2,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 43.1830% | 1,076 |
| Efficiency ratio | 50.9929% | 6,052 |
| Assets per employee ($millions) | 4.4470% | 3,058 |
| Cash dividends to net income (ytd only)* | 28.3091% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 2,323 |
| Loan loss allowance to noncurrent loans | 1,521.5686% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 5,879 |
| Noncurrent loans to loans | 0.1047% | 5,620 |
| Net loans and leases to total assets | 51.3374% | 4,866 |
| Net loans and leases to deposits | 71.0456% | 3,786 |
| Net loans and leases to core deposits | 73.2726% | 4,022 |
| Total domestic deposits to total assets | 72.2598% | 6,159 |
| Equity capital to assets | 22.6282% | 141 |
| Core capital (leverage) ratio | 21.1807% | 167 |
| Tier 1 risk-based capital ratio | 33.6515% | 399 |
| Total risk-based capital ratio | 34.9027% | 393 |
| Memoranda: | ||
| Average total assets | $94,392,500 | 4,786 |
| Average earning assets | $89,503,000 | 4,714 |
| Average equity | $20,303,000 | 3,139 |
| Average total loans | $48,395,250 | 4,923 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 2,099 |
| Cost of funding earning assets | 0.5700% | 2,162 |
| Net interest margin | 3.8518% | 2,372 |
| Noninterest income to average assets | 0.2893% | 5,106 |
| Noninterest expense to average assets | 2.0353% | 5,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8114% | 482 |
| Return on assets (ROA) | 1.8094% | 498 |
| Pretax return on assets | 1.9044% | 680 |
| Return on Equity (ROE) | 8.5586% | 2,811 |
| Retained earnings to average equity (ytd only) | 6.0919% | 2,262 |
| Net charge-offs to loans | 0.1284% | 2,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 29.1290% | 1,280 |
| Efficiency ratio | 51.6336% | 6,089 |
| Assets per employee ($millions) | 4.5464% | 2,854 |
| Cash dividends to net income (ytd only)* | 28.8215% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 2,486 |
| Loan loss allowance to noncurrent loans | 15,540.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 6,170 |
| Noncurrent loans to loans | 0.0103% | 6,058 |
| Net loans and leases to total assets | 50.2440% | 4,935 |
| Net loans and leases to deposits | 68.6521% | 3,974 |
| Net loans and leases to core deposits | 70.4674% | 4,222 |
| Total domestic deposits to total assets | 73.1864% | 6,174 |
| Equity capital to assets | 21.8311% | 152 |
| Core capital (leverage) ratio | 20.6823% | 179 |
| Tier 1 risk-based capital ratio | 32.8684% | 415 |
| Total risk-based capital ratio | 34.1192% | 407 |
| Memoranda: | ||
| Average total assets | $94,727,330 | 4,805 |
| Average earning assets | $89,829,000 | 4,735 |
| Average equity | $20,026,670 | 3,165 |
| Average total loans | $48,287,330 | 4,956 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 2,063 |
| Cost of funding earning assets | 0.5816% | 2,146 |
| Net interest margin | 3.8384% | 2,308 |
| Noninterest income to average assets | 0.3052% | 4,913 |
| Noninterest expense to average assets | 2.0646% | 5,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7850% | 496 |
| Return on assets (ROA) | 1.7890% | 510 |
| Pretax return on assets | 1.8823% | 675 |
| Return on Equity (ROE) | 8.6041% | 2,641 |
| Retained earnings to average equity (ytd only) | 6.0963% | 2,488 |
| Net charge-offs to loans | 0.0749% | 2,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 49.2222% | 756 |
| Efficiency ratio | 52.3656% | 6,113 |
| Assets per employee ($millions) | 4.5545% | 2,886 |
| Cash dividends to net income (ytd only)* | 29.1469% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 2,534 |
| Loan loss allowance to noncurrent loans | 2,282.8571% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 6,187 |
| Noncurrent loans to loans | 0.0720% | 5,922 |
| Net loans and leases to total assets | 49.9754% | 4,912 |
| Net loans and leases to deposits | 67.5270% | 3,910 |
| Net loans and leases to core deposits | 69.2850% | 4,171 |
| Total domestic deposits to total assets | 74.0081% | 6,241 |
| Equity capital to assets | 20.9023% | 177 |
| Core capital (leverage) ratio | 20.3416% | 191 |
| Tier 1 risk-based capital ratio | 32.3742% | 434 |
| Total risk-based capital ratio | 33.6260% | 426 |
| Memoranda: | ||
| Average total assets | $94,354,000 | 4,864 |
| Average earning assets | $89,413,000 | 4,788 |
| Average equity | $19,618,500 | 3,214 |
| Average total loans | $48,057,500 | 5,006 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4221% | 2,501 |
| Cost of funding earning assets | 0.6276% | 2,408 |
| Net interest margin | 3.7945% | 2,674 |
| Noninterest income to average assets | 0.3354% | 4,924 |
| Noninterest expense to average assets | 2.0684% | 5,899 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7759% | 506 |
| Return on assets (ROA) | 1.8684% | 433 |
| Pretax return on assets | 1.9657% | 525 |
| Return on Equity (ROE) | 8.7883% | 2,645 |
| Retained earnings to average equity (ytd only) | 3.8766% | 3,447 |
| Net charge-offs to loans | 0.0326% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 117.7333% | 402 |
| Efficiency ratio | 52.5396% | 6,246 |
| Assets per employee ($millions) | 4.4316% | 3,027 |
| Cash dividends to net income (ytd only)* | 55.8890% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7004% | 2,401 |
| Loan loss allowance to noncurrent loans | 6,733.3333% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 6,378 |
| Noncurrent loans to loans | 0.0253% | 6,181 |
| Net loans and leases to total assets | 50.1907% | 5,063 |
| Net loans and leases to deposits | 67.5943% | 4,108 |
| Net loans and leases to core deposits | 69.3990% | 4,361 |
| Total domestic deposits to total assets | 74.2529% | 6,261 |
| Equity capital to assets | 20.6795% | 178 |
| Core capital (leverage) ratio | 20.1153% | 196 |
| Tier 1 risk-based capital ratio | 32.5730% | 412 |
| Total risk-based capital ratio | 33.8248% | 407 |
| Memoranda: | ||
| Average total assets | $94,518,800 | 4,879 |
| Average earning assets | $89,709,400 | 4,784 |
| Average equity | $20,095,000 | 3,145 |
| Average total loans | $45,991,800 | 5,116 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 2,597 |
| Cost of funding earning assets | 0.6271% | 2,578 |
| Net interest margin | 3.7729% | 2,738 |
| Noninterest income to average assets | 0.3471% | 4,910 |
| Noninterest expense to average assets | 1.9476% | 6,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8845% | 449 |
| Return on assets (ROA) | 1.9940% | 379 |
| Pretax return on assets | 2.0994% | 468 |
| Return on Equity (ROE) | 9.3165% | 2,478 |
| Retained earnings to average equity (ytd only) | 6.8873% | 1,933 |
| Net charge-offs to loans | 0.0497% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 83.0446% | 570 |
| Efficiency ratio | 49.5354% | 6,420 |
| Assets per employee ($millions) | 4.4746% | 2,924 |
| Cash dividends to net income (ytd only)* | 26.0747% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 2,808 |
| Loan loss allowance to noncurrent loans | 26,866.6667% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 6,519 |
| Noncurrent loans to loans | 0.0061% | 6,368 |
| Net loans and leases to total assets | 51.2036% | 4,979 |
| Net loans and leases to deposits | 70.1248% | 3,768 |
| Net loans and leases to core deposits | 72.0097% | 4,091 |
| Total domestic deposits to total assets | 73.0179% | 6,434 |
| Equity capital to assets | 21.2481% | 165 |
| Core capital (leverage) ratio | 20.8279% | 168 |
| Tier 1 risk-based capital ratio | 32.4273% | 427 |
| Total risk-based capital ratio | 33.6796% | 417 |
| Memoranda: | ||
| Average total assets | $94,882,750 | 4,909 |
| Average earning assets | $90,149,000 | 4,806 |
| Average equity | $20,307,500 | 3,154 |
| Average total loans | $45,610,500 | 5,179 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 2,836 |
| Cost of funding earning assets | 0.6357% | 2,633 |
| Net interest margin | 3.6924% | 2,982 |
| Noninterest income to average assets | 0.3362% | 4,995 |
| Noninterest expense to average assets | 1.9414% | 6,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8030% | 516 |
| Return on assets (ROA) | 1.9666% | 401 |
| Pretax return on assets | 2.0696% | 527 |
| Return on Equity (ROE) | 9.1669% | 2,549 |
| Retained earnings to average equity (ytd only) | 6.7478% | 2,005 |
| Net charge-offs to loans | -0.0045% | 5,621 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5747% | 6,384 |
| Assets per employee ($millions) | 4.4465% | 2,899 |
| Cash dividends to net income (ytd only)* | 26.3889% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 2,633 |
| Loan loss allowance to noncurrent loans | 4,120.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 6,476 |
| Noncurrent loans to loans | 0.0422% | 6,267 |
| Net loans and leases to total assets | 49.9143% | 5,121 |
| Net loans and leases to deposits | 65.6589% | 4,305 |
| Net loans and leases to core deposits | 67.3614% | 4,560 |
| Total domestic deposits to total assets | 76.0206% | 6,243 |
| Equity capital to assets | 21.0814% | 166 |
| Core capital (leverage) ratio | 20.0657% | 190 |
| Tier 1 risk-based capital ratio | 32.5263% | 422 |
| Total risk-based capital ratio | 33.7789% | 414 |
| Memoranda: | ||
| Average total assets | $95,188,330 | 4,931 |
| Average earning assets | $90,294,670 | 4,839 |
| Average equity | $20,421,330 | 3,168 |
| Average total loans | $44,507,330 | 5,245 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 3,086 |
| Cost of funding earning assets | 0.6510% | 2,650 |
| Net interest margin | 3.6027% | 3,252 |
| Noninterest income to average assets | 0.3164% | 5,163 |
| Noninterest expense to average assets | 2.0188% | 6,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6222% | 676 |
| Return on assets (ROA) | 1.7566% | 568 |
| Pretax return on assets | 1.8482% | 805 |
| Return on Equity (ROE) | 8.1195% | 2,910 |
| Retained earnings to average equity (ytd only) | 5.7529% | 2,812 |
| Net charge-offs to loans | -0.0186% | 5,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1899% | 6,211 |
| Assets per employee ($millions) | 4.5678% | 2,850 |
| Cash dividends to net income (ytd only)* | 29.1469% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 2,219 |
| Loan loss allowance to noncurrent loans | 1,586.5385% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 6,102 |
| Noncurrent loans to loans | 0.1218% | 6,107 |
| Net loans and leases to total assets | 43.6616% | 5,697 |
| Net loans and leases to deposits | 57.6419% | 5,082 |
| Net loans and leases to core deposits | 59.3566% | 5,209 |
| Total domestic deposits to total assets | 75.7464% | 6,386 |
| Equity capital to assets | 21.6838% | 158 |
| Core capital (leverage) ratio | 19.5854% | 213 |
| Tier 1 risk-based capital ratio | 34.1155% | 373 |
| Total risk-based capital ratio | 35.3687% | 369 |
| Memoranda: | ||
| Average total assets | $96,094,500 | 4,948 |
| Average earning assets | $90,932,000 | 4,867 |
| Average equity | $20,789,500 | 3,162 |
| Average total loans | $43,045,000 | 5,336 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 2,991 |
| Cost of funding earning assets | 0.8180% | 2,523 |
| Net interest margin | 3.7846% | 3,292 |
| Noninterest income to average assets | 0.3446% | 5,001 |
| Noninterest expense to average assets | 2.1522% | 6,019 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6644% | 669 |
| Return on assets (ROA) | 1.7469% | 624 |
| Pretax return on assets | 1.8498% | 825 |
| Return on Equity (ROE) | 7.8373% | 3,163 |
| Retained earnings to average equity (ytd only) | 3.5151% | 3,740 |
| Net charge-offs to loans | -0.0408% | 6,670 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9834% | 6,172 |
| Assets per employee ($millions) | 4.5840% | 2,814 |
| Cash dividends to net income (ytd only)* | 55.1489% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8971% | 2,302 |
| Loan loss allowance to noncurrent loans | 20,575.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 6,325 |
| Noncurrent loans to loans | 0.0092% | 6,548 |
| Net loans and leases to total assets | 44.2113% | 5,797 |
| Net loans and leases to deposits | 58.1627% | 5,223 |
| Net loans and leases to core deposits | 59.8804% | 5,371 |
| Total domestic deposits to total assets | 76.0131% | 6,352 |
| Equity capital to assets | 21.5852% | 165 |
| Core capital (leverage) ratio | 19.3376% | 222 |
| Tier 1 risk-based capital ratio | 33.2507% | 390 |
| Total risk-based capital ratio | 34.5030% | 383 |
| Memoranda: | ||
| Average total assets | $92,278,800 | 5,017 |
| Average earning assets | $87,036,600 | 4,937 |
| Average equity | $20,568,200 | 3,136 |
| Average total loans | $41,643,200 | 5,437 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6809% | 2,884 |
| Cost of funding earning assets | 0.8470% | 2,565 |
| Net interest margin | 3.8339% | 3,185 |
| Noninterest income to average assets | 0.3389% | 5,094 |
| Noninterest expense to average assets | 2.0610% | 6,244 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7996% | 568 |
| Return on assets (ROA) | 1.9120% | 513 |
| Pretax return on assets | 2.0128% | 687 |
| Return on Equity (ROE) | 8.5072% | 3,042 |
| Retained earnings to average equity (ytd only) | 6.5835% | 2,340 |
| Net charge-offs to loans | -0.0194% | 6,488 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1049% | 6,442 |
| Assets per employee ($millions) | 4.7980% | 2,451 |
| Cash dividends to net income (ytd only)* | 22.6129% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9325% | 2,382 |
| Loan loss allowance to noncurrent loans | 1,376.2712% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 6,444 |
| Noncurrent loans to loans | 0.1404% | 6,250 |
| Net loans and leases to total assets | 45.2019% | 5,851 |
| Net loans and leases to deposits | 61.0736% | 5,075 |
| Net loans and leases to core deposits | 62.7830% | 5,284 |
| Total domestic deposits to total assets | 74.0122% | 6,600 |
| Equity capital to assets | 23.3058% | 133 |
| Core capital (leverage) ratio | 20.2585% | 201 |
| Tier 1 risk-based capital ratio | 35.0311% | 358 |
| Total risk-based capital ratio | 36.2846% | 350 |
| Memoranda: | ||
| Average total assets | $91,282,250 | 5,095 |
| Average earning assets | $86,107,000 | 5,012 |
| Average equity | $20,515,500 | 3,172 |
| Average total loans | $41,208,250 | 5,512 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7105% | 2,872 |
| Cost of funding earning assets | 0.8678% | 2,668 |
| Net interest margin | 3.8426% | 3,168 |
| Noninterest income to average assets | 0.3395% | 5,111 |
| Noninterest expense to average assets | 2.0674% | 6,300 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8046% | 560 |
| Return on assets (ROA) | 1.9710% | 476 |
| Pretax return on assets | 2.0740% | 603 |
| Return on Equity (ROE) | 8.8792% | 2,866 |
| Retained earnings to average equity (ytd only) | 6.9258% | 2,146 |
| Net charge-offs to loans | 0.0586% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 72.2500% | 556 |
| Efficiency ratio | 52.1259% | 6,490 |
| Assets per employee ($millions) | 4.3910% | 3,102 |
| Cash dividends to net income (ytd only)* | 22.0000% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9005% | 2,557 |
| Loan loss allowance to noncurrent loans | 1,443.6364% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 6,529 |
| Noncurrent loans to loans | 0.1316% | 6,333 |
| Net loans and leases to total assets | 44.4465% | 5,968 |
| Net loans and leases to deposits | 59.4321% | 5,299 |
| Net loans and leases to core deposits | 61.0586% | 5,485 |
| Total domestic deposits to total assets | 74.7853% | 6,603 |
| Equity capital to assets | 22.5470% | 141 |
| Core capital (leverage) ratio | 20.1122% | 200 |
| Tier 1 risk-based capital ratio | 34.4659% | 359 |
| Total risk-based capital ratio | 35.7183% | 355 |
| Memoranda: | ||
| Average total assets | $91,322,330 | 5,124 |
| Average earning assets | $86,191,000 | 5,040 |
| Average equity | $20,272,000 | 3,193 |
| Average total loans | $40,938,000 | 5,557 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 2,866 |
| Cost of funding earning assets | 0.8651% | 2,959 |
| Net interest margin | 3.8788% | 3,015 |
| Noninterest income to average assets | 0.3785% | 4,833 |
| Noninterest expense to average assets | 2.1083% | 6,253 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8445% | 548 |
| Return on assets (ROA) | 2.0995% | 407 |
| Pretax return on assets | 2.2096% | 526 |
| Return on Equity (ROE) | 9.5340% | 2,592 |
| Retained earnings to average equity (ytd only) | 7.5553% | 2,147 |
| Net charge-offs to loans | 0.1283% | 3,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 33.9231% | 839 |
| Efficiency ratio | 52.0652% | 6,535 |
| Assets per employee ($millions) | 4.3078% | 3,382 |
| Cash dividends to net income (ytd only)* | 20.7547% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9401% | 2,556 |
| Loan loss allowance to noncurrent loans | 79,300.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 6,664 |
| Noncurrent loans to loans | 0.0024% | 6,804 |
| Net loans and leases to total assets | 44.3065% | 5,979 |
| Net loans and leases to deposits | 58.7491% | 5,298 |
| Net loans and leases to core deposits | 60.3802% | 5,497 |
| Total domestic deposits to total assets | 75.4165% | 6,599 |
| Equity capital to assets | 22.3008% | 140 |
| Core capital (leverage) ratio | 19.9258% | 210 |
| Tier 1 risk-based capital ratio | 34.6004% | 348 |
| Total risk-based capital ratio | 35.8534% | 343 |
| Memoranda: | ||
| Average total assets | $90,877,500 | 5,180 |
| Average earning assets | $86,006,000 | 5,083 |
| Average equity | $20,012,500 | 3,224 |
| Average total loans | $40,517,500 | 5,622 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1090% | 2,417 |
| Cost of funding earning assets | 1.0276% | 3,177 |
| Net interest margin | 4.0814% | 2,520 |
| Noninterest income to average assets | 0.3281% | 5,193 |
| Noninterest expense to average assets | 2.2378% | 6,191 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.8587% | 415 |
| Return on assets (ROA) | 1.9222% | 389 |
| Pretax return on assets | 2.0122% | 524 |
| Return on Equity (ROE) | 8.8649% | 2,515 |
| Retained earnings to average equity (ytd only) | 4.2616% | 3,154 |
| Net charge-offs to loans | 0.0435% | 5,870 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 100.4706% | 309 |
| Efficiency ratio | 53.4858% | 6,564 |
| Assets per employee ($millions) | 4.3472% | 3,169 |
| Cash dividends to net income (ytd only)* | 51.9265% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0069% | 2,256 |
| Loan loss allowance to noncurrent loans | 2,178.3784% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 6,630 |
| Noncurrent loans to loans | 0.0921% | 6,581 |
| Net loans and leases to total assets | 43.1089% | 6,288 |
| Net loans and leases to deposits | 56.3252% | 5,859 |
| Net loans and leases to core deposits | 57.6377% | 6,030 |
| Total domestic deposits to total assets | 76.5357% | 6,402 |
| Equity capital to assets | 21.7445% | 161 |
| Core capital (leverage) ratio | 19.4368% | 221 |
| Tier 1 risk-based capital ratio | 34.1495% | 361 |
| Total risk-based capital ratio | 35.4031% | 355 |
| Memoranda: | ||
| Average total assets | $87,765,600 | 5,245 |
| Average earning assets | $82,912,600 | 5,146 |
| Average equity | $19,030,200 | 3,275 |
| Average total loans | $39,123,600 | 5,738 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1862% | 2,260 |
| Cost of funding earning assets | 1.0554% | 3,282 |
| Net interest margin | 4.1307% | 2,355 |
| Noninterest income to average assets | 0.3376% | 5,153 |
| Noninterest expense to average assets | 2.1484% | 6,401 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.9821% | 352 |
| Return on assets (ROA) | 2.0579% | 332 |
| Pretax return on assets | 2.1668% | 455 |
| Return on Equity (ROE) | 9.4978% | 2,389 |
| Retained earnings to average equity (ytd only) | 7.4651% | 1,727 |
| Net charge-offs to loans | 0.0069% | 6,068 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 679.1348% | 53 |
| Efficiency ratio | 50.7246% | 6,787 |
| Assets per employee ($millions) | 4.1570% | 3,526 |
| Cash dividends to net income (ytd only)* | 21.4020% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 2,343 |
| Loan loss allowance to noncurrent loans | 1,642.0000% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 6,676 |
| Noncurrent loans to loans | 0.1217% | 6,629 |
| Net loans and leases to total assets | 46.1052% | 6,138 |
| Net loans and leases to deposits | 61.5291% | 5,461 |
| Net loans and leases to core deposits | 63.0086% | 5,717 |
| Total domestic deposits to total assets | 74.9324% | 6,646 |
| Equity capital to assets | 23.1076% | 144 |
| Core capital (leverage) ratio | 20.5003% | 198 |
| Tier 1 risk-based capital ratio | 34.5862% | 367 |
| Total risk-based capital ratio | 35.8403% | 359 |
| Memoranda: | ||
| Average total assets | $86,884,000 | 5,302 |
| Average earning assets | $81,985,000 | 5,218 |
| Average equity | $18,825,000 | 3,310 |
| Average total loans | $38,864,250 | 5,797 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1397% | 2,517 |
| Cost of funding earning assets | 1.0748% | 3,427 |
| Net interest margin | 4.0648% | 2,552 |
| Noninterest income to average assets | 0.3574% | 5,030 |
| Noninterest expense to average assets | 2.1326% | 6,533 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9588% | 365 |
| Return on assets (ROA) | 2.0727% | 319 |
| Pretax return on assets | 2.1811% | 422 |
| Return on Equity (ROE) | 9.7845% | 2,195 |
| Retained earnings to average equity (ytd only) | 7.7057% | 1,579 |
| Net charge-offs to loans | -0.0052% | 6,590 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8521% | 6,880 |
| Assets per employee ($millions) | 4.1995% | 3,351 |
| Cash dividends to net income (ytd only)* | 21.2458% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0605% | 2,210 |
| Loan loss allowance to noncurrent loans | 992.7711% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 6,638 |
| Noncurrent loans to loans | 0.2075% | 6,494 |
| Net loans and leases to total assets | 44.4126% | 6,404 |
| Net loans and leases to deposits | 58.2834% | 5,907 |
| Net loans and leases to core deposits | 59.8765% | 6,096 |
| Total domestic deposits to total assets | 76.2011% | 6,568 |
| Equity capital to assets | 21.8973% | 180 |
| Core capital (leverage) ratio | 19.9601% | 228 |
| Tier 1 risk-based capital ratio | 34.4416% | 367 |
| Total risk-based capital ratio | 35.7115% | 355 |
| Memoranda: | ||
| Average total assets | $86,746,670 | 5,349 |
| Average earning assets | $81,872,670 | 5,263 |
| Average equity | $18,376,000 | 3,356 |
| Average total loans | $38,129,330 | 5,885 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0309% | 2,951 |
| Cost of funding earning assets | 1.0896% | 3,590 |
| Net interest margin | 3.9413% | 2,948 |
| Noninterest income to average assets | 0.3766% | 4,903 |
| Noninterest expense to average assets | 2.1575% | 6,519 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8550% | 442 |
| Return on assets (ROA) | 2.0273% | 353 |
| Pretax return on assets | 2.1343% | 449 |
| Return on Equity (ROE) | 9.7384% | 2,191 |
| Retained earnings to average equity (ytd only) | 7.6165% | 1,879 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4887% | 6,821 |
| Assets per employee ($millions) | 4.1291% | 3,582 |
| Cash dividends to net income (ytd only)* | 21.7890% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1962% | 1,972 |
| Loan loss allowance to noncurrent loans | 481.2865% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 6,207 |
| Noncurrent loans to loans | 0.4563% | 6,096 |
| Net loans and leases to total assets | 42.2664% | 6,595 |
| Net loans and leases to deposits | 54.8661% | 6,222 |
| Net loans and leases to core deposits | 55.9465% | 6,415 |
| Total domestic deposits to total assets | 77.0355% | 6,532 |
| Equity capital to assets | 20.9579% | 209 |
| Core capital (leverage) ratio | 19.9693% | 231 |
| Tier 1 risk-based capital ratio | 35.8334% | 329 |
| Total risk-based capital ratio | 36.2979% | 342 |
| Memoranda: | ||
| Average total assets | $86,025,500 | 5,406 |
| Average earning assets | $81,496,500 | 5,314 |
| Average equity | $17,908,500 | 3,411 |
| Average total loans | $37,198,500 | 5,981 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3705% | 2,807 |
| Cost of funding earning assets | 1.3920% | 3,325 |
| Net interest margin | 3.9785% | 3,112 |
| Noninterest income to average assets | 0.4554% | 4,482 |
| Noninterest expense to average assets | 2.3255% | 6,283 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.7720% | 446 |
| Return on assets (ROA) | 1.7812% | 475 |
| Pretax return on assets | 1.8642% | 662 |
| Return on Equity (ROE) | 8.3787% | 2,545 |
| Retained earnings to average equity (ytd only) | 3.8379% | 3,175 |
| Net charge-offs to loans | 0.0185% | 6,628 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 223.4286% | 110 |
| Efficiency ratio | 55.6312% | 6,640 |
| Assets per employee ($millions) | 4.0638% | 3,652 |
| Cash dividends to net income (ytd only)* | 54.1944% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2289% | 1,822 |
| Loan loss allowance to noncurrent loans | 470.2857% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.5695% | 5,889 |
| Noncurrent loans to loans | 0.4739% | 6,091 |
| Net loans and leases to total assets | 42.3031% | 6,835 |
| Net loans and leases to deposits | 54.1902% | 6,594 |
| Net loans and leases to core deposits | 55.6951% | 6,709 |
| Total domestic deposits to total assets | 78.0640% | 6,299 |
| Equity capital to assets | 20.6752% | 225 |
| Core capital (leverage) ratio | 19.0941% | 280 |
| Tier 1 risk-based capital ratio | 35.2239% | 342 |
| Total risk-based capital ratio | 36.4806% | 335 |
| Memoranda: | ||
| Average total assets | $84,327,400 | 5,462 |
| Average earning assets | $78,950,200 | 5,388 |
| Average equity | $17,926,400 | 3,438 |
| Average total loans | $37,938,800 | 6,010 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4346% | 2,725 |
| Cost of funding earning assets | 1.4381% | 3,347 |
| Net interest margin | 3.9965% | 3,118 |
| Noninterest income to average assets | 0.5249% | 3,986 |
| Noninterest expense to average assets | 2.2075% | 6,586 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.9433% | 372 |
| Return on assets (ROA) | 1.9554% | 398 |
| Pretax return on assets | 2.0584% | 548 |
| Return on Equity (ROE) | 9.1346% | 2,442 |
| Retained earnings to average equity (ytd only) | 7.0084% | 1,843 |
| Net charge-offs to loans | 0.0419% | 6,124 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 107.4975% | 296 |
| Efficiency ratio | 51.9016% | 6,987 |
| Assets per employee ($millions) | 4.0545% | 3,728 |
| Cash dividends to net income (ytd only)* | 23.2767% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1154% | 1,966 |
| Loan loss allowance to noncurrent loans | 470.6897% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 5,742 |
| Noncurrent loans to loans | 0.4494% | 6,291 |
| Net loans and leases to total assets | 44.5088% | 6,805 |
| Net loans and leases to deposits | 58.4154% | 6,432 |
| Net loans and leases to core deposits | 60.0729% | 6,594 |
| Total domestic deposits to total assets | 76.1936% | 6,615 |
| Equity capital to assets | 22.2679% | 187 |
| Core capital (leverage) ratio | 20.1351% | 245 |
| Tier 1 risk-based capital ratio | 34.8087% | 356 |
| Total risk-based capital ratio | 36.0644% | 345 |
| Memoranda: | ||
| Average total assets | $84,074,500 | 5,538 |
| Average earning assets | $78,434,000 | 5,470 |
| Average equity | $17,997,000 | 3,469 |
| Average total loans | $38,192,500 | 6,087 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4863% | 2,585 |
| Cost of funding earning assets | 1.4755% | 3,398 |
| Net interest margin | 4.0108% | 2,961 |
| Noninterest income to average assets | 0.5136% | 4,002 |
| Noninterest expense to average assets | 2.1883% | 6,672 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.9568% | 355 |
| Return on assets (ROA) | 1.9614% | 389 |
| Pretax return on assets | 2.0641% | 531 |
| Return on Equity (ROE) | 9.2894% | 2,353 |
| Retained earnings to average equity (ytd only) | 7.1283% | 1,781 |
| Net charge-offs to loans | 0.0473% | 5,722 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 95.7778% | 346 |
| Efficiency ratio | 51.5186% | 7,114 |
| Assets per employee ($millions) | 3.8139% | 4,191 |
| Cash dividends to net income (ytd only)* | 23.2643% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1710% | 1,824 |
| Loan loss allowance to noncurrent loans | 1,642.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 5,903 |
| Noncurrent loans to loans | 0.1322% | 7,000 |
| Net loans and leases to total assets | 44.0915% | 6,912 |
| Net loans and leases to deposits | 57.1970% | 6,644 |
| Net loans and leases to core deposits | 58.8231% | 6,778 |
| Total domestic deposits to total assets | 77.0872% | 6,484 |
| Equity capital to assets | 21.7651% | 208 |
| Core capital (leverage) ratio | 19.9086% | 252 |
| Tier 1 risk-based capital ratio | 34.7942% | 361 |
| Total risk-based capital ratio | 36.0482% | 351 |
| Memoranda: | ||
| Average total assets | $83,717,670 | 5,574 |
| Average earning assets | $77,939,330 | 5,508 |
| Average equity | $17,676,000 | 3,515 |
| Average total loans | $38,018,000 | 6,133 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4854% | 2,653 |
| Cost of funding earning assets | 1.4806% | 3,691 |
| Net interest margin | 4.0048% | 2,855 |
| Noninterest income to average assets | 0.4831% | 4,179 |
| Noninterest expense to average assets | 2.2099% | 6,663 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8990% | 411 |
| Return on assets (ROA) | 1.8990% | 446 |
| Pretax return on assets | 1.9994% | 606 |
| Return on Equity (ROE) | 9.1354% | 2,449 |
| Retained earnings to average equity (ytd only) | 6.9263% | 2,166 |
| Net charge-offs to loans | 0.0735% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 59.7143% | 508 |
| Efficiency ratio | 52.5000% | 7,102 |
| Assets per employee ($millions) | 3.7947% | 4,329 |
| Cash dividends to net income (ytd only)* | 24.1814% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1186% | 1,915 |
| Loan loss allowance to noncurrent loans | 1,210.2941% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 5,732 |
| Noncurrent loans to loans | 0.1750% | 6,987 |
| Net loans and leases to total assets | 45.5470% | 6,867 |
| Net loans and leases to deposits | 58.5507% | 6,582 |
| Net loans and leases to core deposits | 60.2084% | 6,728 |
| Total domestic deposits to total assets | 77.7907% | 6,372 |
| Equity capital to assets | 20.9863% | 244 |
| Core capital (leverage) ratio | 19.8231% | 260 |
| Tier 1 risk-based capital ratio | 33.5664% | 390 |
| Total risk-based capital ratio | 34.8212% | 386 |
| Memoranda: | ||
| Average total assets | $83,624,000 | 5,644 |
| Average earning assets | $77,806,500 | 5,578 |
| Average equity | $17,383,000 | 3,587 |
| Average total loans | $38,119,000 | 6,205 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8740% | 2,355 |
| Cost of funding earning assets | 1.7420% | 4,293 |
| Net interest margin | 4.1320% | 2,310 |
| Noninterest income to average assets | 0.4054% | 5,161 |
| Noninterest expense to average assets | 2.3097% | 6,722 |
| Loan and lease loss provision to assets | 0.3719% | 4,551 |
| Net operating income to assets | 1.4533% | 751 |
| Return on assets (ROA) | 1.5063% | 715 |
| Pretax return on assets | 1.5906% | 981 |
| Return on Equity (ROE) | 7.1028% | 2,752 |
| Retained earnings to average equity (ytd only) | 2.5605% | 3,357 |
| Net charge-offs to loans | -0.0670% | 7,864 |
| Credit loss provision to net charge-offs | -1,200.0000% | 7,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7780% | 7,155 |
| Assets per employee ($millions) | 3.6420% | 4,665 |
| Cash dividends to net income (ytd only)* | 63.9506% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2198% | 1,614 |
| Loan loss allowance to noncurrent loans | 838.3838% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 5,603 |
| Noncurrent loans to loans | 0.2648% | 6,766 |
| Net loans and leases to total assets | 43.6471% | 7,139 |
| Net loans and leases to deposits | 55.6560% | 6,941 |
| Net loans and leases to core deposits | 64.1399% | 7,078 |
| Total domestic deposits to total assets | 78.4230% | 6,136 |
| Equity capital to assets | 20.5886% | 269 |
| Core capital (leverage) ratio | 19.3838% | 313 |
| Tier 1 risk-based capital ratio | 33.7797% | 381 |
| Total risk-based capital ratio | 35.0366% | 372 |
| Memoranda: | ||
| Average total assets | $80,659,000 | 5,711 |
| Average earning assets | $74,395,200 | 5,660 |
| Average equity | $17,106,000 | 3,652 |
| Average total loans | $37,338,600 | 6,236 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9307% | 2,316 |
| Cost of funding earning assets | 1.7903% | 4,418 |
| Net interest margin | 4.1404% | 2,248 |
| Noninterest income to average assets | 0.3906% | 5,376 |
| Noninterest expense to average assets | 2.1865% | 7,013 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9181% | 344 |
| Return on assets (ROA) | 1.9879% | 321 |
| Pretax return on assets | 2.0913% | 453 |
| Return on Equity (ROE) | 9.3021% | 2,161 |
| Retained earnings to average equity (ytd only) | 7.2792% | 1,404 |
| Net charge-offs to loans | 0.0607% | 6,097 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 71.1054% | 474 |
| Efficiency ratio | 52.0048% | 7,416 |
| Assets per employee ($millions) | 3.4966% | 4,935 |
| Cash dividends to net income (ytd only)* | 21.7461% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 4,787 |
| Loan loss allowance to noncurrent loans | 424.3478% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 5,495 |
| Noncurrent loans to loans | 0.2959% | 6,769 |
| Net loans and leases to total assets | 47.7201% | 6,976 |
| Net loans and leases to deposits | 62.8750% | 6,599 |
| Net loans and leases to core deposits | 72.1210% | 6,842 |
| Total domestic deposits to total assets | 75.8968% | 6,601 |
| Equity capital to assets | 22.4096% | 234 |
| Core capital (leverage) ratio | 20.7784% | 272 |
| Tier 1 risk-based capital ratio | 34.3721% | 399 |
| Total risk-based capital ratio | 35.3879% | 397 |
| Memoranda: | ||
| Average total assets | $79,882,500 | 5,767 |
| Average earning assets | $73,581,750 | 5,734 |
| Average equity | $17,071,000 | 3,688 |
| Average total loans | $37,325,500 | 6,271 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9809% | 2,262 |
| Cost of funding earning assets | 1.8386% | 4,560 |
| Net interest margin | 4.1423% | 2,188 |
| Noninterest income to average assets | 0.3664% | 5,581 |
| Noninterest expense to average assets | 2.1605% | 7,152 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9044% | 372 |
| Return on assets (ROA) | 1.9974% | 329 |
| Pretax return on assets | 2.1028% | 428 |
| Return on Equity (ROE) | 9.5022% | 2,188 |
| Retained earnings to average equity (ytd only) | 7.4370% | 1,419 |
| Net charge-offs to loans | 0.0869% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 49.9375% | 683 |
| Efficiency ratio | 51.8675% | 7,526 |
| Assets per employee ($millions) | 3.6617% | 4,422 |
| Cash dividends to net income (ytd only)* | 21.7337% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 4,241 |
| Loan loss allowance to noncurrent loans | 479.4118% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.7597% | 5,503 |
| Noncurrent loans to loans | 0.2723% | 6,844 |
| Net loans and leases to total assets | 45.8899% | 7,200 |
| Net loans and leases to deposits | 59.4876% | 6,930 |
| Net loans and leases to core deposits | 67.6364% | 7,138 |
| Total domestic deposits to total assets | 77.1419% | 6,288 |
| Equity capital to assets | 21.2282% | 317 |
| Core capital (leverage) ratio | 20.1972% | 350 |
| Tier 1 risk-based capital ratio | 34.9111% | 421 |
| Total risk-based capital ratio | 35.9647% | 421 |
| Memoranda: | ||
| Average total assets | $79,703,000 | 5,809 |
| Average earning assets | $73,099,000 | 5,786 |
| Average equity | $16,754,000 | 3,764 |
| Average total loans | $36,812,330 | 6,353 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0132% | 2,306 |
| Cost of funding earning assets | 1.8220% | 5,012 |
| Net interest margin | 4.1912% | 1,930 |
| Noninterest income to average assets | 0.3683% | 5,477 |
| Noninterest expense to average assets | 2.1747% | 6,937 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9565% | 378 |
| Return on assets (ROA) | 2.1242% | 314 |
| Pretax return on assets | 2.2352% | 408 |
| Return on Equity (ROE) | 10.1565% | 2,261 |
| Retained earnings to average equity (ytd only) | 8.0818% | 1,780 |
| Net charge-offs to loans | 0.0877% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 714 |
| Efficiency ratio | 51.3707% | 7,476 |
| Assets per employee ($millions) | 3.6254% | 4,516 |
| Cash dividends to net income (ytd only)* | 20.4276% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 3,755 |
| Loan loss allowance to noncurrent loans | 407.3770% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 7,108 |
| Noncurrent loans to loans | 0.3330% | 6,597 |
| Net loans and leases to total assets | 45.3128% | 7,238 |
| Net loans and leases to deposits | 58.8290% | 6,986 |
| Net loans and leases to core deposits | 66.2190% | 7,232 |
| Total domestic deposits to total assets | 77.0245% | 6,274 |
| Equity capital to assets | 21.1387% | 355 |
| Core capital (leverage) ratio | 20.2440% | 385 |
| Tier 1 risk-based capital ratio | 35.3942% | 423 |
| Total risk-based capital ratio | 36.4995% | 419 |
| Memoranda: | ||
| Average total assets | $79,275,500 | 5,851 |
| Average earning assets | $73,106,000 | 5,810 |
| Average equity | $16,580,500 | 3,819 |
| Average total loans | $36,490,000 | 6,413 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2510% | 4,232 |
| Cost of funding earning assets | 2.1754% | 5,700 |
| Net interest margin | 4.0756% | 2,809 |
| Noninterest income to average assets | 0.4443% | 5,080 |
| Noninterest expense to average assets | 2.2958% | 6,716 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8171% | 539 |
| Return on assets (ROA) | 1.8332% | 499 |
| Pretax return on assets | 1.9378% | 708 |
| Return on Equity (ROE) | 8.7897% | 2,716 |
| Retained earnings to average equity (ytd only) | 4.1537% | 2,543 |
| Net charge-offs to loans | 0.1188% | 5,074 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,034 |
| Efficiency ratio | 54.4469% | 7,224 |
| Assets per employee ($millions) | 3.4257% | 4,865 |
| Cash dividends to net income (ytd only)* | 52.7441% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 3,257 |
| Loan loss allowance to noncurrent loans | 235.9813% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 6,379 |
| Noncurrent loans to loans | 0.5889% | 5,609 |
| Net loans and leases to total assets | 45.4830% | 7,372 |
| Net loans and leases to deposits | 58.5247% | 7,176 |
| Net loans and leases to core deposits | 65.3650% | 7,384 |
| Total domestic deposits to total assets | 77.7160% | 5,800 |
| Equity capital to assets | 20.6886% | 428 |
| Core capital (leverage) ratio | 20.2841% | 422 |
| Tier 1 risk-based capital ratio | 34.7760% | 452 |
| Total risk-based capital ratio | 35.9032% | 447 |
| Memoranda: | ||
| Average total assets | $76,531,800 | 5,814 |
| Average earning assets | $70,836,600 | 5,785 |
| Average equity | $15,961,800 | 3,935 |
| Average total loans | $35,354,000 | 6,400 |