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 | 3.8639% | 4,111 |
| Cost of funding earning assets | 1.2452% | 2,670 |
| Net interest margin | 2.6187% | 3,941 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 1.7845% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0735% | 1,999 |
| Return on assets (ROA) | 1.0895% | 1,924 |
| Pretax return on assets | 1.1418% | 2,288 |
| Return on Equity (ROE) | 11.0600% | 2,207 |
| Retained earnings to average equity (ytd only) | 5.9249% | 2,278 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.2549% | 3,052 |
| Assets per employee ($millions) | 8.0067% | 1,433 |
| Cash dividends to net income (ytd only)* | 46.4157% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 2,502 |
| Loan loss allowance to noncurrent loans | 6,238.0952% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,699 |
| Noncurrent loans to loans | 0.0186% | 3,609 |
| Net loans and leases to total assets | 60.6100% | 2,797 |
| Net loans and leases to deposits | 71.7510% | 2,762 |
| Net loans and leases to core deposits | 76.3125% | 2,957 |
| Total domestic deposits to total assets | 84.4800% | 2,474 |
| Equity capital to assets | 10.2370% | 1,877 |
| Core capital (leverage) ratio | 11.2559% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $177,972,200 | 3,144 |
| Average earning assets | $169,776,400 | 3,091 |
| Average equity | $17,536,200 | 3,048 |
| Average total loans | $104,909,200 | 3,125 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 4,139 |
| Cost of funding earning assets | 1.1216% | 2,682 |
| Net interest margin | 2.6486% | 3,951 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.7586% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9922% | 2,387 |
| Return on assets (ROA) | 1.0044% | 2,341 |
| Pretax return on assets | 1.0542% | 2,702 |
| Return on Equity (ROE) | 10.3000% | 2,556 |
| Retained earnings to average equity (ytd only) | 4.4864% | 3,114 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.6734% | 2,758 |
| Assets per employee ($millions) | 7.2286% | 1,803 |
| Cash dividends to net income (ytd only)* | 56.4334% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,308 |
| Loan loss allowance to noncurrent loans | 5,458.3333% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 3,711 |
| Noncurrent loans to loans | 0.0222% | 3,605 |
| Net loans and leases to total assets | 59.1500% | 2,921 |
| Net loans and leases to deposits | 72.1948% | 2,697 |
| Net loans and leases to core deposits | 76.5079% | 2,831 |
| Total domestic deposits to total assets | 81.9300% | 3,226 |
| Equity capital to assets | 9.4757% | 2,112 |
| Core capital (leverage) ratio | 11.1736% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $176,426,500 | 3,165 |
| Average earning assets | $168,087,250 | 3,122 |
| Average equity | $17,207,250 | 3,067 |
| Average total loans | $102,903,250 | 3,145 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6726% | 4,172 |
| Cost of funding earning assets | 0.9553% | 2,753 |
| Net interest margin | 2.7173% | 3,947 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.7600% | 4,071 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0566% | 2,244 |
| Return on assets (ROA) | 1.0686% | 2,209 |
| Pretax return on assets | 1.1212% | 2,583 |
| Return on Equity (ROE) | 10.8500% | 2,465 |
| Retained earnings to average equity (ytd only) | 3.8874% | 3,233 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.2390% | 2,932 |
| Assets per employee ($millions) | 6.9550% | 1,961 |
| Cash dividends to net income (ytd only)* | 64.1711% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 1,977 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.7400% | 2,986 |
| Net loans and leases to deposits | 66.4570% | 3,038 |
| Net loans and leases to core deposits | 70.2269% | 3,114 |
| Total domestic deposits to total assets | 86.8800% | 1,967 |
| Equity capital to assets | 9.9985% | 1,862 |
| Core capital (leverage) ratio | 11.2120% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $174,997,000 | 3,179 |
| Average earning assets | $166,857,667 | 3,139 |
| Average equity | $17,235,000 | 3,085 |
| Average total loans | $101,136,667 | 3,165 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 4,198 |
| Cost of funding earning assets | 0.7994% | 2,739 |
| Net interest margin | 2.7644% | 3,998 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 1.7681% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1262% | 2,138 |
| Return on assets (ROA) | 1.1392% | 2,068 |
| Pretax return on assets | 1.1962% | 2,430 |
| Return on Equity (ROE) | 11.6600% | 2,305 |
| Retained earnings to average equity (ytd only) | 4.6620% | 3,097 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.8417% | 3,086 |
| Assets per employee ($millions) | 7.2233% | 1,803 |
| Cash dividends to net income (ytd only)* | 60.0000% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 1,711 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 56.5400% | 3,003 |
| Net loans and leases to deposits | 63.8952% | 3,094 |
| Net loans and leases to core deposits | 66.4310% | 3,196 |
| Total domestic deposits to total assets | 88.4900% | 1,744 |
| Equity capital to assets | 10.1086% | 1,763 |
| Core capital (leverage) ratio | 11.1202% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $175,557,500 | 3,216 |
| Average earning assets | $167,126,000 | 3,174 |
| Average equity | $17,160,000 | 3,121 |
| Average total loans | $100,856,000 | 3,200 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0877% | 4,013 |
| Cost of funding earning assets | 0.3462% | 2,509 |
| Net interest margin | 2.7415% | 3,988 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.6653% | 4,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2135% | 1,721 |
| Return on assets (ROA) | 1.2109% | 1,678 |
| Pretax return on assets | 1.2725% | 2,195 |
| Return on Equity (ROE) | 12.3500% | 2,019 |
| Retained earnings to average equity (ytd only) | 6.5491% | 2,431 |
| Net charge-offs to loans | 0.0011% | 2,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 2,276.0000% | 73 |
| Efficiency ratio | 56.3643% | 3,546 |
| Assets per employee ($millions) | 7.4065% | 1,679 |
| Cash dividends to net income (ytd only)* | 46.9690% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 1,733 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.7900% | 2,938 |
| Net loans and leases to deposits | 63.9535% | 3,048 |
| Net loans and leases to core deposits | 64.8441% | 3,217 |
| Total domestic deposits to total assets | 88.8100% | 1,779 |
| Equity capital to assets | 9.4489% | 2,046 |
| Core capital (leverage) ratio | 10.7566% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $178,468,200 | 3,205 |
| Average earning assets | $168,992,400 | 3,164 |
| Average equity | $17,498,600 | 3,162 |
| Average total loans | $95,144,400 | 3,216 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9435% | 3,997 |
| Cost of funding earning assets | 0.2833% | 2,350 |
| Net interest margin | 2.6602% | 4,007 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.5837% | 4,320 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1341% | 1,957 |
| Return on assets (ROA) | 1.1270% | 1,944 |
| Pretax return on assets | 1.1867% | 2,420 |
| Return on Equity (ROE) | 11.3900% | 2,242 |
| Retained earnings to average equity (ytd only) | 5.1297% | 3,053 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.0124% | 3,515 |
| Assets per employee ($millions) | 8.0030% | 1,327 |
| Cash dividends to net income (ytd only)* | 54.9669% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 1,714 |
| Loan loss allowance to noncurrent loans | 15,211.1111% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 3,962 |
| Noncurrent loans to loans | 0.0090% | 3,885 |
| Net loans and leases to total assets | 55.9700% | 2,903 |
| Net loans and leases to deposits | 61.6207% | 3,055 |
| Net loans and leases to core deposits | 63.0636% | 3,185 |
| Total domestic deposits to total assets | 90.8300% | 1,306 |
| Equity capital to assets | 9.0023% | 2,215 |
| Core capital (leverage) ratio | 10.6565% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $178,646,000 | 3,222 |
| Average earning assets | $168,955,750 | 3,189 |
| Average equity | $17,674,250 | 3,184 |
| Average total loans | $93,349,250 | 3,252 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7616% | 4,045 |
| Cost of funding earning assets | 0.2412% | 2,377 |
| Net interest margin | 2.5204% | 4,057 |
| Noninterest income to average assets | 0.3120% | 3,294 |
| Noninterest expense to average assets | 1.5788% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0635% | 1,923 |
| Return on assets (ROA) | 1.0529% | 1,932 |
| Pretax return on assets | 1.1086% | 2,374 |
| Return on Equity (ROE) | 10.3378% | 2,209 |
| Retained earnings to average equity (ytd only) | 3.2819% | 3,357 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5054% | 3,485 |
| Assets per employee ($millions) | 8.1425% | 1,234 |
| Cash dividends to net income (ytd only)* | 68.2540% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 1,435 |
| Loan loss allowance to noncurrent loans | 13,690.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 3,992 |
| Noncurrent loans to loans | 0.0109% | 3,904 |
| Net loans and leases to total assets | 50.4876% | 3,326 |
| Net loans and leases to deposits | 55.8205% | 3,396 |
| Net loans and leases to core deposits | 57.1074% | 3,483 |
| Total domestic deposits to total assets | 90.4463% | 1,494 |
| Equity capital to assets | 9.4348% | 2,071 |
| Core capital (leverage) ratio | 10.3837% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,505,667 | 3,250 |
| Average earning assets | $169,974,667 | 3,216 |
| Average equity | $18,282,333 | 3,211 |
| Average total loans | $91,161,000 | 3,312 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6166% | 4,092 |
| Cost of funding earning assets | 0.2349% | 2,321 |
| Net interest margin | 2.3817% | 4,104 |
| Noninterest income to average assets | 0.2137% | 3,878 |
| Noninterest expense to average assets | 1.5671% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8588% | 2,457 |
| Return on assets (ROA) | 0.8503% | 2,473 |
| Pretax return on assets | 0.8949% | 2,795 |
| Return on Equity (ROE) | 8.0535% | 2,670 |
| Retained earnings to average equity (ytd only) | 2.2558% | 3,478 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4234% | 3,091 |
| Assets per employee ($millions) | 8.3981% | 1,165 |
| Cash dividends to net income (ytd only)* | 71.9895% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 1,513 |
| Loan loss allowance to noncurrent loans | 27,380.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 4,086 |
| Noncurrent loans to loans | 0.0055% | 3,995 |
| Net loans and leases to total assets | 48.2480% | 3,362 |
| Net loans and leases to deposits | 53.5082% | 3,457 |
| Net loans and leases to core deposits | 54.0940% | 3,582 |
| Total domestic deposits to total assets | 90.1693% | 1,464 |
| Equity capital to assets | 9.7333% | 2,102 |
| Core capital (leverage) ratio | 10.4896% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,691,000 | 3,260 |
| Average earning assets | $170,297,000 | 3,223 |
| Average equity | $18,973,000 | 3,239 |
| Average total loans | $90,836,500 | 3,320 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 3,483 |
| Cost of funding earning assets | 0.3224% | 2,175 |
| Net interest margin | 2.8703% | 3,508 |
| Noninterest income to average assets | 0.3839% | 3,143 |
| Noninterest expense to average assets | 1.7315% | 4,255 |
| Loan and lease loss provision to assets | 0.0222% | 2,627 |
| Net operating income to assets | 1.2650% | 1,704 |
| Return on assets (ROA) | 1.2762% | 1,730 |
| Pretax return on assets | 1.3409% | 2,237 |
| Return on Equity (ROE) | 10.4982% | 2,349 |
| Retained earnings to average equity (ytd only) | 5.3530% | 2,643 |
| Net charge-offs to loans | 0.0143% | 2,033 |
| Credit loss provision to net charge-offs | 276.9231% | 1,115 |
| Earnings coverage of net charge-offs (x) | 168.6923% | 607 |
| Efficiency ratio | 56.1663% | 3,689 |
| Assets per employee ($millions) | 7.9375% | 1,359 |
| Cash dividends to net income (ytd only)* | 49.0101% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 1,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 51.4208% | 3,127 |
| Net loans and leases to deposits | 58.0929% | 3,251 |
| Net loans and leases to core deposits | 58.8120% | 3,406 |
| Total domestic deposits to total assets | 88.5148% | 1,784 |
| Equity capital to assets | 11.4320% | 1,545 |
| Core capital (leverage) ratio | 11.0055% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,283,600 | 3,376 |
| Average earning assets | $152,596,000 | 3,353 |
| Average equity | $19,727,200 | 3,239 |
| Average total loans | $91,217,200 | 3,322 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3739% | 3,184 |
| Cost of funding earning assets | 0.3402% | 2,200 |
| Net interest margin | 3.0336% | 3,220 |
| Noninterest income to average assets | 0.3057% | 3,605 |
| Noninterest expense to average assets | 1.7286% | 4,286 |
| Loan and lease loss provision to assets | 0.0226% | 2,543 |
| Net operating income to assets | 1.3297% | 1,735 |
| Return on assets (ROA) | 1.3409% | 1,765 |
| Pretax return on assets | 1.4112% | 2,290 |
| Return on Equity (ROE) | 10.8531% | 2,413 |
| Retained earnings to average equity (ytd only) | 5.2198% | 3,133 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8644% | 3,684 |
| Assets per employee ($millions) | 7.5208% | 1,555 |
| Cash dividends to net income (ytd only)* | 51.9051% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 1,417 |
| Loan loss allowance to noncurrent loans | 2,692.1569% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 3,958 |
| Noncurrent loans to loans | 0.0583% | 3,810 |
| Net loans and leases to total assets | 52.0368% | 3,187 |
| Net loans and leases to deposits | 59.3009% | 3,296 |
| Net loans and leases to core deposits | 59.7296% | 3,487 |
| Total domestic deposits to total assets | 87.7504% | 1,975 |
| Equity capital to assets | 12.0562% | 1,373 |
| Core capital (leverage) ratio | 11.3405% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,198,500 | 3,439 |
| Average earning assets | $149,301,000 | 3,423 |
| Average equity | $19,668,250 | 3,286 |
| Average total loans | $91,231,000 | 3,362 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 2,487 |
| Cost of funding earning assets | 0.3557% | 2,268 |
| Net interest margin | 3.2885% | 2,478 |
| Noninterest income to average assets | 0.3068% | 3,598 |
| Noninterest expense to average assets | 1.7402% | 4,301 |
| Loan and lease loss provision to assets | 0.0229% | 2,516 |
| Net operating income to assets | 1.5449% | 1,182 |
| Return on assets (ROA) | 1.5594% | 1,210 |
| Pretax return on assets | 1.6421% | 1,633 |
| Return on Equity (ROE) | 12.5160% | 1,878 |
| Retained earnings to average equity (ytd only) | 5.9566% | 2,820 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3331% | 4,112 |
| Assets per employee ($millions) | 7.3563% | 1,557 |
| Cash dividends to net income (ytd only)* | 52.4082% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 1,527 |
| Loan loss allowance to noncurrent loans | 2,783.6735% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 4,050 |
| Noncurrent loans to loans | 0.0546% | 3,900 |
| Net loans and leases to total assets | 54.6392% | 3,056 |
| Net loans and leases to deposits | 62.3608% | 3,164 |
| Net loans and leases to core deposits | 62.8225% | 3,391 |
| Total domestic deposits to total assets | 87.6179% | 2,031 |
| Equity capital to assets | 12.2289% | 1,259 |
| Core capital (leverage) ratio | 11.3521% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,112,000 | 3,458 |
| Average earning assets | $147,303,000 | 3,450 |
| Average equity | $19,575,000 | 3,286 |
| Average total loans | $92,484,000 | 3,363 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3081% | 3,426 |
| Cost of funding earning assets | 0.3709% | 2,346 |
| Net interest margin | 2.9371% | 3,417 |
| Noninterest income to average assets | 0.3102% | 3,549 |
| Noninterest expense to average assets | 1.7913% | 4,233 |
| Loan and lease loss provision to assets | 0.0233% | 2,478 |
| Net operating income to assets | 1.1626% | 2,288 |
| Return on assets (ROA) | 1.1528% | 2,394 |
| Pretax return on assets | 1.2278% | 2,766 |
| Return on Equity (ROE) | 9.1642% | 2,976 |
| Retained earnings to average equity (ytd only) | 5.5684% | 3,043 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6791% | 3,206 |
| Assets per employee ($millions) | 7.2069% | 1,639 |
| Cash dividends to net income (ytd only)* | 39.2377% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,856 |
| Loan loss allowance to noncurrent loans | 7,131.5789% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 4,298 |
| Noncurrent loans to loans | 0.0200% | 4,185 |
| Net loans and leases to total assets | 59.1005% | 2,663 |
| Net loans and leases to deposits | 67.4719% | 2,754 |
| Net loans and leases to core deposits | 67.9830% | 3,064 |
| Total domestic deposits to total assets | 87.5927% | 2,048 |
| Equity capital to assets | 12.2793% | 1,163 |
| Core capital (leverage) ratio | 11.7124% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,749,000 | 3,482 |
| Average earning assets | $144,495,000 | 3,469 |
| Average equity | $19,467,000 | 3,282 |
| Average total loans | $93,830,500 | 3,351 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 3,095 |
| Cost of funding earning assets | 0.5281% | 2,762 |
| Net interest margin | 3.3492% | 2,927 |
| Noninterest income to average assets | 0.3943% | 3,124 |
| Noninterest expense to average assets | 1.9757% | 4,184 |
| Loan and lease loss provision to assets | 0.0256% | 4,076 |
| Net operating income to assets | 1.4318% | 947 |
| Return on assets (ROA) | 1.4291% | 1,044 |
| Pretax return on assets | 1.5045% | 1,319 |
| Return on Equity (ROE) | 10.5615% | 1,788 |
| Retained earnings to average equity (ytd only) | 4.4024% | 2,592 |
| Net charge-offs to loans | 0.0897% | 1,560 |
| Credit loss provision to net charge-offs | 41.3793% | 3,184 |
| Earnings coverage of net charge-offs (x) | 24.7586% | 1,762 |
| Efficiency ratio | 56.3083% | 3,949 |
| Assets per employee ($millions) | 6.8612% | 1,671 |
| Cash dividends to net income (ytd only)* | 58.3167% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 1,760 |
| Loan loss allowance to noncurrent loans | 4,486.6667% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 4,296 |
| Noncurrent loans to loans | 0.0324% | 4,178 |
| Net loans and leases to total assets | 60.4554% | 2,795 |
| Net loans and leases to deposits | 69.4599% | 2,941 |
| Net loans and leases to core deposits | 70.1557% | 3,243 |
| Total domestic deposits to total assets | 87.0364% | 1,928 |
| Equity capital to assets | 12.8953% | 1,136 |
| Core capital (leverage) ratio | 12.8129% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,508,200 | 3,505 |
| Average earning assets | $130,657,400 | 3,494 |
| Average equity | $19,012,400 | 3,278 |
| Average total loans | $97,007,000 | 3,276 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0642% | 2,778 |
| Cost of funding earning assets | 0.5666% | 2,831 |
| Net interest margin | 3.4976% | 2,596 |
| Noninterest income to average assets | 0.3239% | 3,548 |
| Noninterest expense to average assets | 1.9966% | 4,152 |
| Loan and lease loss provision to assets | 0.0261% | 4,016 |
| Net operating income to assets | 1.4760% | 951 |
| Return on assets (ROA) | 1.4687% | 1,050 |
| Pretax return on assets | 1.5460% | 1,339 |
| Return on Equity (ROE) | 10.7162% | 1,776 |
| Retained earnings to average equity (ytd only) | 4.1905% | 2,952 |
| Net charge-offs to loans | 0.1101% | 1,241 |
| Credit loss provision to net charge-offs | 33.3333% | 2,944 |
| Earnings coverage of net charge-offs (x) | 20.1728% | 1,909 |
| Efficiency ratio | 55.8259% | 3,939 |
| Assets per employee ($millions) | 6.5214% | 1,814 |
| Cash dividends to net income (ytd only)* | 60.8953% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 1,827 |
| Loan loss allowance to noncurrent loans | 3,197.6190% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 4,319 |
| Noncurrent loans to loans | 0.0432% | 4,214 |
| Net loans and leases to total assets | 66.9062% | 2,399 |
| Net loans and leases to deposits | 77.4489% | 2,594 |
| Net loans and leases to core deposits | 78.2712% | 2,984 |
| Total domestic deposits to total assets | 86.3875% | 1,903 |
| Equity capital to assets | 13.4034% | 1,030 |
| Core capital (leverage) ratio | 12.4173% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,898,750 | 3,528 |
| Average earning assets | $128,238,250 | 3,513 |
| Average equity | $18,899,250 | 3,292 |
| Average total loans | $98,108,500 | 3,274 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 2,617 |
| Cost of funding earning assets | 0.6020% | 2,953 |
| Net interest margin | 3.6435% | 2,333 |
| Noninterest income to average assets | 0.3043% | 3,638 |
| Noninterest expense to average assets | 2.0273% | 4,176 |
| Loan and lease loss provision to assets | 0.0265% | 3,924 |
| Net operating income to assets | 1.5666% | 815 |
| Return on assets (ROA) | 1.5554% | 911 |
| Pretax return on assets | 1.6377% | 1,134 |
| Return on Equity (ROE) | 11.2619% | 1,555 |
| Retained earnings to average equity (ytd only) | 3.9704% | 2,924 |
| Net charge-offs to loans | 0.1647% | 908 |
| Credit loss provision to net charge-offs | 22.2222% | 2,724 |
| Earnings coverage of net charge-offs (x) | 14.0741% | 1,963 |
| Efficiency ratio | 54.7439% | 4,091 |
| Assets per employee ($millions) | 6.4061% | 1,857 |
| Cash dividends to net income (ytd only)* | 64.7448% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 1,842 |
| Loan loss allowance to noncurrent loans | 3,176.1905% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 4,400 |
| Noncurrent loans to loans | 0.0421% | 4,311 |
| Net loans and leases to total assets | 69.8698% | 2,049 |
| Net loans and leases to deposits | 80.9229% | 2,324 |
| Net loans and leases to core deposits | 81.7981% | 2,790 |
| Total domestic deposits to total assets | 86.3412% | 1,871 |
| Equity capital to assets | 13.4935% | 986 |
| Core capital (leverage) ratio | 12.4593% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,041,333 | 3,529 |
| Average earning assets | $126,910,667 | 3,511 |
| Average equity | $18,789,000 | 3,286 |
| Average total loans | $98,366,667 | 3,265 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 3,445 |
| Cost of funding earning assets | 0.6685% | 3,065 |
| Net interest margin | 3.4584% | 3,132 |
| Noninterest income to average assets | 0.2964% | 3,746 |
| Noninterest expense to average assets | 2.0899% | 4,235 |
| Loan and lease loss provision to assets | 0.0269% | 3,453 |
| Net operating income to assets | 1.3316% | 1,151 |
| Return on assets (ROA) | 1.3743% | 1,126 |
| Pretax return on assets | 1.4462% | 1,442 |
| Return on Equity (ROE) | 9.8313% | 1,798 |
| Retained earnings to average equity (ytd only) | 3.9411% | 2,705 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4043% | 3,817 |
| Assets per employee ($millions) | 6.1139% | 1,586 |
| Cash dividends to net income (ytd only)* | 59.9129% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 1,606 |
| Loan loss allowance to noncurrent loans | 2,991.4894% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,443 |
| Noncurrent loans to loans | 0.0477% | 4,361 |
| Net loans and leases to total assets | 72.2682% | 1,877 |
| Net loans and leases to deposits | 84.1842% | 2,200 |
| Net loans and leases to core deposits | 85.1443% | 2,746 |
| Total domestic deposits to total assets | 85.8452% | 2,062 |
| Equity capital to assets | 13.9979% | 1,059 |
| Core capital (leverage) ratio | 12.9985% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,594,500 | 3,539 |
| Average earning assets | $124,451,500 | 3,517 |
| Average equity | $18,675,000 | 3,306 |
| Average total loans | $97,647,500 | 3,255 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3386% | 3,428 |
| Cost of funding earning assets | 0.6474% | 3,424 |
| Net interest margin | 3.6913% | 2,838 |
| Noninterest income to average assets | 0.3802% | 3,421 |
| Noninterest expense to average assets | 2.1551% | 4,257 |
| Loan and lease loss provision to assets | 0.0288% | 3,439 |
| Net operating income to assets | 1.5572% | 926 |
| Return on assets (ROA) | 1.5799% | 933 |
| Pretax return on assets | 1.6590% | 1,306 |
| Return on Equity (ROE) | 11.0662% | 1,856 |
| Retained earnings to average equity (ytd only) | 5.4660% | 2,182 |
| Net charge-offs to loans | 0.0472% | 2,443 |
| Credit loss provision to net charge-offs | 80.0000% | 2,793 |
| Earnings coverage of net charge-offs (x) | 46.2889% | 1,191 |
| Efficiency ratio | 56.4317% | 4,151 |
| Assets per employee ($millions) | 6.3182% | 1,405 |
| Cash dividends to net income (ytd only)* | 50.6067% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 1,377 |
| Loan loss allowance to noncurrent loans | 3,175.0000% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 4,476 |
| Noncurrent loans to loans | 0.0455% | 4,376 |
| Net loans and leases to total assets | 71.8155% | 2,118 |
| Net loans and leases to deposits | 83.5484% | 2,377 |
| Net loans and leases to core deposits | 84.3263% | 2,920 |
| Total domestic deposits to total assets | 85.9568% | 2,083 |
| Equity capital to assets | 13.9596% | 1,110 |
| Core capital (leverage) ratio | 13.0877% | 1,200 |
| Tier 1 risk-based capital ratio | 16.9943% | 2,054 |
| Total risk-based capital ratio | 18.2463% | 1,999 |
| Memoranda: | ||
| Average total assets | $125,194,000 | 3,628 |
| Average earning assets | $116,626,400 | 3,611 |
| Average equity | $17,874,200 | 3,352 |
| Average total loans | $95,351,800 | 3,291 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 3,494 |
| Cost of funding earning assets | 0.6295% | 3,536 |
| Net interest margin | 3.7272% | 2,830 |
| Noninterest income to average assets | 0.2995% | 3,945 |
| Noninterest expense to average assets | 2.1634% | 4,248 |
| Loan and lease loss provision to assets | 0.0292% | 3,320 |
| Net operating income to assets | 1.5093% | 1,166 |
| Return on assets (ROA) | 1.5093% | 1,220 |
| Pretax return on assets | 1.5893% | 1,676 |
| Return on Equity (ROE) | 10.5085% | 2,210 |
| Retained earnings to average equity (ytd only) | 4.2380% | 3,277 |
| Net charge-offs to loans | 0.0042% | 3,255 |
| Credit loss provision to net charge-offs | 900.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 498.9875% | 199 |
| Efficiency ratio | 57.2041% | 4,042 |
| Assets per employee ($millions) | 5.9959% | 1,610 |
| Cash dividends to net income (ytd only)* | 59.6704% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 1,280 |
| Loan loss allowance to noncurrent loans | 10,214.2857% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,703 |
| Noncurrent loans to loans | 0.0145% | 4,614 |
| Net loans and leases to total assets | 75.3036% | 1,603 |
| Net loans and leases to deposits | 88.1928% | 1,907 |
| Net loans and leases to core deposits | 89.3228% | 2,603 |
| Total domestic deposits to total assets | 85.3851% | 2,259 |
| Equity capital to assets | 14.3766% | 1,014 |
| Core capital (leverage) ratio | 13.2481% | 1,234 |
| Tier 1 risk-based capital ratio | 16.9885% | 2,089 |
| Total risk-based capital ratio | 18.2415% | 2,039 |
| Memoranda: | ||
| Average total assets | $123,321,750 | 3,686 |
| Average earning assets | $115,221,250 | 3,663 |
| Average equity | $17,712,250 | 3,388 |
| Average total loans | $95,018,750 | 3,334 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 3,609 |
| Cost of funding earning assets | 0.6051% | 3,619 |
| Net interest margin | 3.7055% | 2,915 |
| Noninterest income to average assets | 0.3054% | 3,883 |
| Noninterest expense to average assets | 2.1901% | 4,243 |
| Loan and lease loss provision to assets | 0.0294% | 3,234 |
| Net operating income to assets | 1.4781% | 1,206 |
| Return on assets (ROA) | 1.4781% | 1,259 |
| Pretax return on assets | 1.5565% | 1,677 |
| Return on Equity (ROE) | 10.2944% | 2,255 |
| Retained earnings to average equity (ytd only) | 2.7300% | 3,835 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0017% | 4,012 |
| Assets per employee ($millions) | 6.0502% | 1,508 |
| Cash dividends to net income (ytd only)* | 73.4807% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 1,337 |
| Loan loss allowance to noncurrent loans | 15,822.2222% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,771 |
| Noncurrent loans to loans | 0.0094% | 4,680 |
| Net loans and leases to total assets | 74.6163% | 1,782 |
| Net loans and leases to deposits | 86.9330% | 2,140 |
| Net loans and leases to core deposits | 87.4397% | 2,852 |
| Total domestic deposits to total assets | 85.8320% | 2,120 |
| Equity capital to assets | 13.9956% | 1,119 |
| Core capital (leverage) ratio | 12.8403% | 1,382 |
| Tier 1 risk-based capital ratio | 16.3563% | 2,286 |
| Total risk-based capital ratio | 17.6088% | 2,224 |
| Memoranda: | ||
| Average total assets | $122,458,000 | 3,715 |
| Average earning assets | $114,694,000 | 3,695 |
| Average equity | $17,582,330 | 3,408 |
| Average total loans | $94,609,330 | 3,361 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 3,749 |
| Cost of funding earning assets | 0.5370% | 3,881 |
| Net interest margin | 3.7021% | 2,883 |
| Noninterest income to average assets | 0.3162% | 3,744 |
| Noninterest expense to average assets | 2.2104% | 4,237 |
| Loan and lease loss provision to assets | 0.0300% | 3,017 |
| Net operating income to assets | 1.4647% | 1,197 |
| Return on assets (ROA) | 1.4647% | 1,225 |
| Pretax return on assets | 1.5413% | 1,635 |
| Return on Equity (ROE) | 10.0672% | 2,342 |
| Retained earnings to average equity (ytd only) | 2.5626% | 3,904 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4507% | 4,014 |
| Assets per employee ($millions) | 5.7252% | 1,773 |
| Cash dividends to net income (ytd only)* | 74.5455% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 1,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 77.5071% | 1,237 |
| Net loans and leases to deposits | 92.4758% | 1,344 |
| Net loans and leases to core deposits | 93.0678% | 2,202 |
| Total domestic deposits to total assets | 83.8134% | 3,115 |
| Equity capital to assets | 14.6246% | 845 |
| Core capital (leverage) ratio | 13.7095% | 1,022 |
| Tier 1 risk-based capital ratio | 17.0284% | 2,099 |
| Total risk-based capital ratio | 18.2814% | 2,043 |
| Memoranda: | ||
| Average total assets | $120,160,000 | 3,804 |
| Average earning assets | $112,476,000 | 3,777 |
| Average equity | $17,482,500 | 3,422 |
| Average total loans | $93,800,500 | 3,413 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 3,862 |
| Cost of funding earning assets | 0.4099% | 3,929 |
| Net interest margin | 3.6537% | 3,206 |
| Noninterest income to average assets | 0.3741% | 3,589 |
| Noninterest expense to average assets | 2.2072% | 4,321 |
| Loan and lease loss provision to assets | 0.0300% | 3,586 |
| Net operating income to assets | 1.4706% | 1,201 |
| Return on assets (ROA) | 1.4706% | 1,194 |
| Pretax return on assets | 1.5456% | 1,638 |
| Return on Equity (ROE) | 10.5036% | 2,280 |
| Retained earnings to average equity (ytd only) | 5.8737% | 2,253 |
| Net charge-offs to loans | 0.0166% | 3,135 |
| Credit loss provision to net charge-offs | 240.0000% | 1,231 |
| Earnings coverage of net charge-offs (x) | 126.0667% | 630 |
| Efficiency ratio | 58.3480% | 4,109 |
| Assets per employee ($millions) | 5.7186% | 1,754 |
| Cash dividends to net income (ytd only)* | 44.0793% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 1,257 |
| Loan loss allowance to noncurrent loans | 2,652.8302% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 4,628 |
| Noncurrent loans to loans | 0.0570% | 4,497 |
| Net loans and leases to total assets | 76.2705% | 1,562 |
| Net loans and leases to deposits | 89.2590% | 1,898 |
| Net loans and leases to core deposits | 89.8271% | 2,586 |
| Total domestic deposits to total assets | 85.4485% | 2,454 |
| Equity capital to assets | 14.4740% | 847 |
| Core capital (leverage) ratio | 13.5847% | 1,047 |
| Tier 1 risk-based capital ratio | 17.1946% | 1,996 |
| Total risk-based capital ratio | 18.4482% | 1,943 |
| Memoranda: | ||
| Average total assets | $120,016,400 | 3,785 |
| Average earning assets | $111,969,800 | 3,778 |
| Average equity | $16,803,800 | 3,424 |
| Average total loans | $90,483,800 | 3,471 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 3,877 |
| Cost of funding earning assets | 0.3764% | 4,013 |
| Net interest margin | 3.6397% | 3,227 |
| Noninterest income to average assets | 0.3022% | 4,129 |
| Noninterest expense to average assets | 2.1844% | 4,353 |
| Loan and lease loss provision to assets | 0.0300% | 3,420 |
| Net operating income to assets | 1.4089% | 1,456 |
| Return on assets (ROA) | 1.4089% | 1,452 |
| Pretax return on assets | 1.4833% | 1,958 |
| Return on Equity (ROE) | 10.1482% | 2,556 |
| Retained earnings to average equity (ytd only) | 4.9301% | 3,276 |
| Net charge-offs to loans | 0.0208% | 2,717 |
| Credit loss provision to net charge-offs | 192.8571% | 1,424 |
| Earnings coverage of net charge-offs (x) | 97.2657% | 768 |
| Efficiency ratio | 59.0745% | 3,954 |
| Assets per employee ($millions) | 5.6439% | 1,781 |
| Cash dividends to net income (ytd only)* | 51.4196% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 1,239 |
| Loan loss allowance to noncurrent loans | 743.6170% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 4,167 |
| Noncurrent loans to loans | 0.2066% | 3,974 |
| Net loans and leases to total assets | 75.5809% | 1,718 |
| Net loans and leases to deposits | 90.8427% | 1,788 |
| Net loans and leases to core deposits | 91.1218% | 2,550 |
| Total domestic deposits to total assets | 83.1997% | 3,233 |
| Equity capital to assets | 14.2978% | 879 |
| Core capital (leverage) ratio | 13.0111% | 1,277 |
| Tier 1 risk-based capital ratio | 17.0566% | 2,088 |
| Total risk-based capital ratio | 18.3102% | 2,023 |
| Memoranda: | ||
| Average total assets | $119,997,750 | 3,826 |
| Average earning assets | $111,948,250 | 3,818 |
| Average equity | $16,659,250 | 3,454 |
| Average total loans | $89,854,750 | 3,514 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,936 |
| Cost of funding earning assets | 0.3456% | 4,100 |
| Net interest margin | 3.6020% | 3,303 |
| Noninterest income to average assets | 0.2872% | 4,260 |
| Noninterest expense to average assets | 2.1678% | 4,446 |
| Loan and lease loss provision to assets | 0.0299% | 3,309 |
| Net operating income to assets | 1.3744% | 1,528 |
| Return on assets (ROA) | 1.3744% | 1,529 |
| Pretax return on assets | 1.4458% | 2,000 |
| Return on Equity (ROE) | 9.9978% | 2,564 |
| Retained earnings to average equity (ytd only) | 3.6586% | 3,766 |
| Net charge-offs to loans | 0.0089% | 2,814 |
| Credit loss provision to net charge-offs | 450.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 222.2500% | 398 |
| Efficiency ratio | 59.4989% | 4,011 |
| Assets per employee ($millions) | 5.0164% | 2,400 |
| Cash dividends to net income (ytd only)* | 63.4058% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 1,280 |
| Loan loss allowance to noncurrent loans | 489.1608% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 3,821 |
| Noncurrent loans to loans | 0.3144% | 3,580 |
| Net loans and leases to total assets | 74.3924% | 1,884 |
| Net loans and leases to deposits | 88.1440% | 2,096 |
| Net loans and leases to core deposits | 88.1440% | 2,704 |
| Total domestic deposits to total assets | 84.3987% | 2,912 |
| Equity capital to assets | 13.8429% | 974 |
| Core capital (leverage) ratio | 12.9201% | 1,258 |
| Tier 1 risk-based capital ratio | 16.9285% | 2,125 |
| Total risk-based capital ratio | 18.1826% | 2,067 |
| Memoranda: | ||
| Average total assets | $120,489,670 | 3,851 |
| Average earning assets | $112,270,670 | 3,841 |
| Average equity | $16,563,670 | 3,489 |
| Average total loans | $89,480,330 | 3,531 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9040% | 3,915 |
| Cost of funding earning assets | 0.3209% | 4,192 |
| Net interest margin | 3.5831% | 3,246 |
| Noninterest income to average assets | 0.2788% | 4,308 |
| Noninterest expense to average assets | 2.1404% | 4,555 |
| Loan and lease loss provision to assets | 0.0299% | 3,116 |
| Net operating income to assets | 1.3705% | 1,421 |
| Return on assets (ROA) | 1.3705% | 1,436 |
| Pretax return on assets | 1.4435% | 1,854 |
| Return on Equity (ROE) | 10.0045% | 2,420 |
| Retained earnings to average equity (ytd only) | 4.5541% | 3,381 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2287% | 4,173 |
| Assets per employee ($millions) | 5.0155% | 2,480 |
| Cash dividends to net income (ytd only)* | 54.4794% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 1,174 |
| Loan loss allowance to noncurrent loans | 550.9881% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 4,041 |
| Noncurrent loans to loans | 0.2891% | 3,736 |
| Net loans and leases to total assets | 71.5565% | 2,244 |
| Net loans and leases to deposits | 83.0968% | 2,490 |
| Net loans and leases to core deposits | 83.0968% | 3,054 |
| Total domestic deposits to total assets | 86.1122% | 2,497 |
| Equity capital to assets | 13.7632% | 962 |
| Core capital (leverage) ratio | 12.9164% | 1,210 |
| Tier 1 risk-based capital ratio | 17.0666% | 2,099 |
| Total risk-based capital ratio | 18.3204% | 2,049 |
| Memoranda: | ||
| Average total assets | $120,537,500 | 3,892 |
| Average earning assets | $112,192,500 | 3,884 |
| Average equity | $16,512,500 | 3,527 |
| Average total loans | $88,739,000 | 3,573 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 3,774 |
| Cost of funding earning assets | 0.2997% | 4,147 |
| Net interest margin | 3.5862% | 3,217 |
| Noninterest income to average assets | 0.3771% | 3,776 |
| Noninterest expense to average assets | 2.1429% | 4,672 |
| Loan and lease loss provision to assets | 0.0599% | 3,033 |
| Net operating income to assets | 1.4203% | 975 |
| Return on assets (ROA) | 1.4203% | 995 |
| Pretax return on assets | 1.4911% | 1,679 |
| Return on Equity (ROE) | 10.6319% | 1,623 |
| Retained earnings to average equity (ytd only) | 4.6429% | 2,362 |
| Net charge-offs to loans | 0.0023% | 4,035 |
| Credit loss provision to net charge-offs | 3,600.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 931.5000% | 91 |
| Efficiency ratio | 58.0122% | 4,525 |
| Assets per employee ($millions) | 5.0293% | 2,442 |
| Cash dividends to net income (ytd only)* | 56.3306% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 1,297 |
| Loan loss allowance to noncurrent loans | 1,033.5821% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 4,578 |
| Noncurrent loans to loans | 0.1490% | 4,330 |
| Net loans and leases to total assets | 73.3743% | 2,032 |
| Net loans and leases to deposits | 87.2716% | 2,101 |
| Net loans and leases to core deposits | 87.2716% | 2,790 |
| Total domestic deposits to total assets | 84.0758% | 3,174 |
| Equity capital to assets | 13.6351% | 1,009 |
| Core capital (leverage) ratio | 12.7196% | 1,259 |
| Tier 1 risk-based capital ratio | 16.4796% | 2,273 |
| Total risk-based capital ratio | 17.7326% | 2,209 |
| Memoranda: | ||
| Average total assets | $120,114,800 | 3,895 |
| Average earning assets | $111,093,800 | 3,897 |
| Average equity | $16,046,000 | 3,586 |
| Average total loans | $87,639,600 | 3,572 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8622% | 3,791 |
| Cost of funding earning assets | 0.2887% | 4,237 |
| Net interest margin | 3.5735% | 3,249 |
| Noninterest income to average assets | 0.3056% | 4,343 |
| Noninterest expense to average assets | 2.1427% | 4,646 |
| Loan and lease loss provision to assets | 0.0600% | 2,883 |
| Net operating income to assets | 1.3348% | 1,238 |
| Return on assets (ROA) | 1.3348% | 1,267 |
| Pretax return on assets | 1.4048% | 2,101 |
| Return on Equity (ROE) | 10.0438% | 2,114 |
| Retained earnings to average equity (ytd only) | 3.5125% | 3,823 |
| Net charge-offs to loans | 0.0031% | 3,636 |
| Credit loss provision to net charge-offs | 2,700.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 658.1610% | 156 |
| Efficiency ratio | 59.3962% | 4,308 |
| Assets per employee ($millions) | 4.9145% | 2,563 |
| Cash dividends to net income (ytd only)* | 65.0294% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5570% | 1,340 |
| Loan loss allowance to noncurrent loans | 997.8102% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 4,602 |
| Noncurrent loans to loans | 0.1560% | 4,434 |
| Net loans and leases to total assets | 73.2757% | 2,050 |
| Net loans and leases to deposits | 88.1648% | 2,035 |
| Net loans and leases to core deposits | 88.1648% | 2,756 |
| Total domestic deposits to total assets | 83.1122% | 3,421 |
| Equity capital to assets | 13.7390% | 1,063 |
| Core capital (leverage) ratio | 12.6291% | 1,367 |
| Tier 1 risk-based capital ratio | 16.6361% | 2,272 |
| Total risk-based capital ratio | 17.8895% | 2,226 |
| Memoranda: | ||
| Average total assets | $119,967,750 | 3,938 |
| Average earning assets | $110,850,000 | 3,935 |
| Average equity | $15,943,000 | 3,635 |
| Average total loans | $87,062,000 | 3,617 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 3,827 |
| Cost of funding earning assets | 0.2829% | 4,259 |
| Net interest margin | 3.5369% | 3,266 |
| Noninterest income to average assets | 0.3050% | 4,354 |
| Noninterest expense to average assets | 2.1369% | 4,701 |
| Loan and lease loss provision to assets | 0.0597% | 2,771 |
| Net operating income to assets | 1.2948% | 1,312 |
| Return on assets (ROA) | 1.2948% | 1,334 |
| Pretax return on assets | 1.3627% | 2,157 |
| Return on Equity (ROE) | 9.8514% | 2,099 |
| Retained earnings to average equity (ytd only) | 2.2705% | 4,319 |
| Net charge-offs to loans | 0.0046% | 3,320 |
| Credit loss provision to net charge-offs | 1,800.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 429.0000% | 196 |
| Efficiency ratio | 60.0373% | 4,311 |
| Assets per employee ($millions) | 4.9838% | 2,406 |
| Cash dividends to net income (ytd only)* | 76.9526% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 1,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 5,251 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.1975% | 2,338 |
| Net loans and leases to deposits | 84.0588% | 2,469 |
| Net loans and leases to core deposits | 84.0588% | 3,061 |
| Total domestic deposits to total assets | 84.6996% | 2,936 |
| Equity capital to assets | 13.3466% | 1,205 |
| Core capital (leverage) ratio | 12.2402% | 1,506 |
| Tier 1 risk-based capital ratio | 16.4340% | 2,346 |
| Total risk-based capital ratio | 17.6882% | 2,294 |
| Memoranda: | ||
| Average total assets | $120,640,670 | 3,953 |
| Average earning assets | $111,000,330 | 3,963 |
| Average equity | $15,855,670 | 3,654 |
| Average total loans | $86,817,670 | 3,636 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7644% | 3,888 |
| Cost of funding earning assets | 0.2799% | 4,261 |
| Net interest margin | 3.4845% | 3,335 |
| Noninterest income to average assets | 0.3136% | 4,308 |
| Noninterest expense to average assets | 2.0932% | 4,868 |
| Loan and lease loss provision to assets | 0.0594% | 2,618 |
| Net operating income to assets | 1.2975% | 1,251 |
| Return on assets (ROA) | 1.2975% | 1,283 |
| Pretax return on assets | 1.3668% | 2,000 |
| Return on Equity (ROE) | 9.9484% | 1,985 |
| Retained earnings to average equity (ytd only) | 3.8477% | 3,529 |
| Net charge-offs to loans | 0.0092% | 2,651 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 261 |
| Efficiency ratio | 59.4747% | 4,532 |
| Assets per employee ($millions) | 5.0270% | 2,403 |
| Cash dividends to net income (ytd only)* | 61.3232% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 1,500 |
| Loan loss allowance to noncurrent loans | 2,112.6984% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 4,951 |
| Noncurrent loans to loans | 0.0735% | 4,907 |
| Net loans and leases to total assets | 69.9083% | 2,396 |
| Net loans and leases to deposits | 80.6146% | 2,667 |
| Net loans and leases to core deposits | 80.6146% | 3,238 |
| Total domestic deposits to total assets | 86.7192% | 2,348 |
| Equity capital to assets | 13.1647% | 1,198 |
| Core capital (leverage) ratio | 12.0079% | 1,625 |
| Tier 1 risk-based capital ratio | 16.7259% | 2,270 |
| Total risk-based capital ratio | 17.9794% | 2,239 |
| Memoranda: | ||
| Average total assets | $121,155,500 | 3,976 |
| Average earning assets | $111,466,500 | 3,988 |
| Average equity | $15,801,500 | 3,685 |
| Average total loans | $86,972,000 | 3,667 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8676% | 3,687 |
| Cost of funding earning assets | 0.2974% | 4,095 |
| Net interest margin | 3.5703% | 3,186 |
| Noninterest income to average assets | 0.3903% | 3,960 |
| Noninterest expense to average assets | 2.1591% | 4,866 |
| Loan and lease loss provision to assets | 0.0610% | 3,153 |
| Net operating income to assets | 1.3869% | 1,033 |
| Return on assets (ROA) | 1.3869% | 1,073 |
| Pretax return on assets | 1.4538% | 1,740 |
| Return on Equity (ROE) | 10.6451% | 1,711 |
| Retained earnings to average equity (ytd only) | 4.5882% | 2,650 |
| Net charge-offs to loans | 0.0047% | 4,084 |
| Credit loss provision to net charge-offs | 1,800.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 447.2500% | 185 |
| Efficiency ratio | 58.7693% | 4,751 |
| Assets per employee ($millions) | 5.0693% | 2,315 |
| Cash dividends to net income (ytd only)* | 56.8987% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 1,709 |
| Loan loss allowance to noncurrent loans | 131,500.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 5,259 |
| Noncurrent loans to loans | 0.0011% | 5,322 |
| Net loans and leases to total assets | 71.4720% | 2,248 |
| Net loans and leases to deposits | 82.1493% | 2,655 |
| Net loans and leases to core deposits | 82.1493% | 3,200 |
| Total domestic deposits to total assets | 87.0026% | 2,143 |
| Equity capital to assets | 12.9209% | 1,286 |
| Core capital (leverage) ratio | 12.0290% | 1,579 |
| Tier 1 risk-based capital ratio | 15.8997% | 2,590 |
| Total risk-based capital ratio | 17.1517% | 2,521 |
| Memoranda: | ||
| Average total assets | $118,106,200 | 4,027 |
| Average earning assets | $108,619,000 | 4,030 |
| Average equity | $15,387,400 | 3,766 |
| Average total loans | $84,910,600 | 3,689 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8730% | 3,682 |
| Cost of funding earning assets | 0.3009% | 4,089 |
| Net interest margin | 3.5721% | 3,192 |
| Noninterest income to average assets | 0.3219% | 4,474 |
| Noninterest expense to average assets | 2.1714% | 4,843 |
| Loan and lease loss provision to assets | 0.0614% | 3,005 |
| Net operating income to assets | 1.3149% | 1,249 |
| Return on assets (ROA) | 1.3149% | 1,328 |
| Pretax return on assets | 1.3843% | 2,107 |
| Return on Equity (ROE) | 10.0710% | 2,021 |
| Retained earnings to average equity (ytd only) | 3.4848% | 3,808 |
| Net charge-offs to loans | 0.0048% | 3,747 |
| Credit loss provision to net charge-offs | 1,800.0000% | 259 |
| Earnings coverage of net charge-offs (x) | 423.6550% | 209 |
| Efficiency ratio | 60.0314% | 4,534 |
| Assets per employee ($millions) | 4.8520% | 2,560 |
| Cash dividends to net income (ytd only)* | 65.3978% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 5,382 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 72.0723% | 2,183 |
| Net loans and leases to deposits | 83.3666% | 2,561 |
| Net loans and leases to core deposits | 83.3666% | 3,185 |
| Total domestic deposits to total assets | 86.4522% | 2,147 |
| Equity capital to assets | 13.3503% | 1,320 |
| Core capital (leverage) ratio | 12.1659% | 1,564 |
| Tier 1 risk-based capital ratio | 16.2452% | 2,531 |
| Total risk-based capital ratio | 17.4980% | 2,483 |
| Memoranda: | ||
| Average total assets | $117,217,000 | 4,065 |
| Average earning assets | $108,130,500 | 4,066 |
| Average equity | $15,304,250 | 3,805 |
| Average total loans | $84,070,750 | 3,726 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 3,868 |
| Cost of funding earning assets | 0.3005% | 4,122 |
| Net interest margin | 3.5254% | 3,389 |
| Noninterest income to average assets | 0.3201% | 4,492 |
| Noninterest expense to average assets | 2.1809% | 4,888 |
| Loan and lease loss provision to assets | 0.0613% | 2,906 |
| Net operating income to assets | 1.2667% | 1,370 |
| Return on assets (ROA) | 1.2667% | 1,486 |
| Pretax return on assets | 1.3331% | 2,271 |
| Return on Equity (ROE) | 9.7743% | 2,149 |
| Retained earnings to average equity (ytd only) | 2.1414% | 4,499 |
| Net charge-offs to loans | 0.0167% | 3,182 |
| Credit loss provision to net charge-offs | 514.2857% | 638 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 502 |
| Efficiency ratio | 61.0000% | 4,513 |
| Assets per employee ($millions) | 4.8824% | 2,437 |
| Cash dividends to net income (ytd only)* | 78.0914% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 1,835 |
| Loan loss allowance to noncurrent loans | 3,038.0952% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 5,297 |
| Noncurrent loans to loans | 0.0496% | 5,264 |
| Net loans and leases to total assets | 71.2375% | 2,296 |
| Net loans and leases to deposits | 82.0956% | 2,705 |
| Net loans and leases to core deposits | 82.0956% | 3,260 |
| Total domestic deposits to total assets | 86.7739% | 2,023 |
| Equity capital to assets | 13.0777% | 1,458 |
| Core capital (leverage) ratio | 11.6444% | 1,875 |
| Tier 1 risk-based capital ratio | 16.0611% | 2,614 |
| Total risk-based capital ratio | 17.3139% | 2,554 |
| Memoranda: | ||
| Average total assets | $117,473,670 | 4,098 |
| Average earning assets | $108,471,330 | 4,091 |
| Average equity | $15,223,670 | 3,834 |
| Average total loans | $83,686,330 | 3,755 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8319% | 3,833 |
| Cost of funding earning assets | 0.3055% | 4,101 |
| Net interest margin | 3.5264% | 3,370 |
| Noninterest income to average assets | 0.3401% | 4,299 |
| Noninterest expense to average assets | 2.1561% | 5,009 |
| Loan and lease loss provision to assets | 0.0612% | 2,718 |
| Net operating income to assets | 1.3127% | 1,225 |
| Return on assets (ROA) | 1.3127% | 1,302 |
| Pretax return on assets | 1.3807% | 1,960 |
| Return on Equity (ROE) | 10.1756% | 1,914 |
| Retained earnings to average equity (ytd only) | 4.0597% | 3,461 |
| Net charge-offs to loans | 0.0241% | 2,450 |
| Credit loss provision to net charge-offs | 360.0000% | 759 |
| Earnings coverage of net charge-offs (x) | 84.8000% | 604 |
| Efficiency ratio | 59.9244% | 4,757 |
| Assets per employee ($millions) | 4.9160% | 2,437 |
| Cash dividends to net income (ytd only)* | 60.1036% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 1,919 |
| Loan loss allowance to noncurrent loans | 3,315.7895% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 5,358 |
| Noncurrent loans to loans | 0.0457% | 5,312 |
| Net loans and leases to total assets | 69.4685% | 2,429 |
| Net loans and leases to deposits | 79.9066% | 2,803 |
| Net loans and leases to core deposits | 79.9066% | 3,329 |
| Total domestic deposits to total assets | 86.9371% | 2,238 |
| Equity capital to assets | 12.9434% | 1,436 |
| Core capital (leverage) ratio | 11.8531% | 1,710 |
| Tier 1 risk-based capital ratio | 16.5293% | 2,470 |
| Total risk-based capital ratio | 17.7821% | 2,418 |
| Memoranda: | ||
| Average total assets | $117,622,000 | 4,129 |
| Average earning assets | $108,667,500 | 4,114 |
| Average equity | $15,173,500 | 3,851 |
| Average total loans | $83,154,500 | 3,778 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8641% | 3,833 |
| Cost of funding earning assets | 0.3222% | 4,001 |
| Net interest margin | 3.5419% | 3,364 |
| Noninterest income to average assets | 0.3621% | 4,313 |
| Noninterest expense to average assets | 2.1718% | 5,113 |
| Loan and lease loss provision to assets | 0.0619% | 3,062 |
| Net operating income to assets | 1.3506% | 1,151 |
| Return on assets (ROA) | 1.3719% | 1,142 |
| Pretax return on assets | 1.4407% | 1,751 |
| Return on Equity (ROE) | 10.8385% | 1,669 |
| Retained earnings to average equity (ytd only) | 4.1723% | 3,018 |
| Net charge-offs to loans | -0.1304% | 5,847 |
| Credit loss provision to net charge-offs | -66.6667% | 5,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4677% | 4,977 |
| Assets per employee ($millions) | 4.8859% | 2,487 |
| Cash dividends to net income (ytd only)* | 61.5047% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 2,002 |
| Loan loss allowance to noncurrent loans | 1,685.1351% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 5,251 |
| Noncurrent loans to loans | 0.0891% | 5,140 |
| Net loans and leases to total assets | 69.7939% | 2,399 |
| Net loans and leases to deposits | 80.1530% | 2,804 |
| Net loans and leases to core deposits | 80.1530% | 3,328 |
| Total domestic deposits to total assets | 87.0758% | 2,090 |
| Equity capital to assets | 12.8568% | 1,429 |
| Core capital (leverage) ratio | 11.7449% | 1,788 |
| Tier 1 risk-based capital ratio | 16.2902% | 2,568 |
| Total risk-based capital ratio | 17.5438% | 2,524 |
| Memoranda: | ||
| Average total assets | $116,264,000 | 4,127 |
| Average earning assets | $107,994,400 | 4,094 |
| Average equity | $14,716,000 | 3,879 |
| Average total loans | $82,834,400 | 3,749 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8681% | 3,862 |
| Cost of funding earning assets | 0.3243% | 4,057 |
| Net interest margin | 3.5438% | 3,368 |
| Noninterest income to average assets | 0.3011% | 4,780 |
| Noninterest expense to average assets | 2.1514% | 5,166 |
| Loan and lease loss provision to assets | 0.0621% | 2,942 |
| Net operating income to assets | 1.3101% | 1,311 |
| Return on assets (ROA) | 1.3101% | 1,365 |
| Pretax return on assets | 1.3779% | 2,109 |
| Return on Equity (ROE) | 10.3922% | 1,935 |
| Retained earnings to average equity (ytd only) | 2.9171% | 4,372 |
| Net charge-offs to loans | -0.1997% | 5,993 |
| Credit loss provision to net charge-offs | -43.5484% | 4,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9040% | 4,906 |
| Assets per employee ($millions) | 4.8426% | 2,500 |
| Cash dividends to net income (ytd only)* | 71.9302% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 2,195 |
| Loan loss allowance to noncurrent loans | 1,682.4324% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 5,379 |
| Noncurrent loans to loans | 0.0887% | 5,274 |
| Net loans and leases to total assets | 70.7241% | 2,277 |
| Net loans and leases to deposits | 83.3337% | 2,480 |
| Net loans and leases to core deposits | 83.3337% | 3,120 |
| Total domestic deposits to total assets | 84.8686% | 3,069 |
| Equity capital to assets | 12.7971% | 1,567 |
| Core capital (leverage) ratio | 11.5804% | 1,973 |
| Tier 1 risk-based capital ratio | 15.3517% | 3,115 |
| Total risk-based capital ratio | 16.6043% | 3,048 |
| Memoranda: | ||
| Average total assets | $116,014,750 | 4,176 |
| Average earning assets | $107,715,250 | 4,150 |
| Average equity | $14,626,000 | 3,930 |
| Average total loans | $82,771,000 | 3,784 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 3,907 |
| Cost of funding earning assets | 0.3252% | 4,097 |
| Net interest margin | 3.5179% | 3,426 |
| Noninterest income to average assets | 0.2812% | 4,945 |
| Noninterest expense to average assets | 2.1372% | 5,256 |
| Loan and lease loss provision to assets | 0.0621% | 2,869 |
| Net operating income to assets | 1.2989% | 1,324 |
| Return on assets (ROA) | 1.2989% | 1,384 |
| Pretax return on assets | 1.3662% | 2,123 |
| Return on Equity (ROE) | 10.3550% | 1,914 |
| Retained earnings to average equity (ytd only) | 1.2927% | 5,032 |
| Net charge-offs to loans | -0.3053% | 6,124 |
| Credit loss provision to net charge-offs | -28.5714% | 4,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9419% | 4,990 |
| Assets per employee ($millions) | 4.7798% | 2,573 |
| Cash dividends to net income (ytd only)* | 87.5166% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 2,347 |
| Loan loss allowance to noncurrent loans | 7,681.2500% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 5,687 |
| Noncurrent loans to loans | 0.0194% | 5,686 |
| Net loans and leases to total assets | 70.9506% | 2,167 |
| Net loans and leases to deposits | 81.4586% | 2,621 |
| Net loans and leases to core deposits | 81.4586% | 3,241 |
| Total domestic deposits to total assets | 87.1002% | 2,110 |
| Equity capital to assets | 12.7499% | 1,520 |
| Core capital (leverage) ratio | 11.3727% | 2,098 |
| Tier 1 risk-based capital ratio | 15.4149% | 3,155 |
| Total risk-based capital ratio | 16.6673% | 3,085 |
| Memoranda: | ||
| Average total assets | $115,945,670 | 4,222 |
| Average earning assets | $108,247,330 | 4,181 |
| Average equity | $14,543,670 | 3,956 |
| Average total loans | $82,547,330 | 3,811 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8507% | 3,821 |
| Cost of funding earning assets | 0.3304% | 4,089 |
| Net interest margin | 3.5203% | 3,343 |
| Noninterest income to average assets | 0.2848% | 4,896 |
| Noninterest expense to average assets | 2.1036% | 5,376 |
| Loan and lease loss provision to assets | 0.0618% | 2,695 |
| Net operating income to assets | 1.3384% | 1,165 |
| Return on assets (ROA) | 1.3384% | 1,233 |
| Pretax return on assets | 1.4104% | 1,855 |
| Return on Equity (ROE) | 10.7568% | 1,715 |
| Retained earnings to average equity (ytd only) | -3.0064% | 5,794 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8292% | 5,240 |
| Assets per employee ($millions) | 4.8047% | 2,619 |
| Cash dividends to net income (ytd only)* | 127.9487% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 3,191 |
| Loan loss allowance to noncurrent loans | 6,781.2500% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 5,690 |
| Noncurrent loans to loans | 0.0198% | 5,726 |
| Net loans and leases to total assets | 69.3114% | 2,234 |
| Net loans and leases to deposits | 79.3694% | 2,633 |
| Net loans and leases to core deposits | 79.3694% | 3,241 |
| Total domestic deposits to total assets | 87.3275% | 2,201 |
| Equity capital to assets | 12.5476% | 1,665 |
| Core capital (leverage) ratio | 11.0714% | 2,347 |
| Tier 1 risk-based capital ratio | 15.2679% | 3,284 |
| Total risk-based capital ratio | 16.5182% | 3,204 |
| Memoranda: | ||
| Average total assets | $116,561,000 | 4,247 |
| Average earning assets | $108,967,500 | 4,199 |
| Average equity | $14,502,500 | 3,995 |
| Average total loans | $82,511,000 | 3,825 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 4,005 |
| Cost of funding earning assets | 0.3566% | 4,182 |
| Net interest margin | 3.5755% | 3,489 |
| Noninterest income to average assets | 0.3481% | 4,615 |
| Noninterest expense to average assets | 2.0879% | 5,600 |
| Loan and lease loss provision to assets | 0.0622% | 3,274 |
| Net operating income to assets | 1.4180% | 1,045 |
| Return on assets (ROA) | 1.4262% | 1,057 |
| Pretax return on assets | 1.4979% | 1,550 |
| Return on Equity (ROE) | 11.8008% | 1,466 |
| Retained earnings to average equity (ytd only) | 6.8689% | 1,464 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3700% | 5,526 |
| Assets per employee ($millions) | 5.3550% | 1,901 |
| Cash dividends to net income (ytd only)* | 41.7929% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 3,594 |
| Loan loss allowance to noncurrent loans | 13,337.5000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 5,806 |
| Noncurrent loans to loans | 0.0095% | 5,885 |
| Net loans and leases to total assets | 70.4063% | 2,169 |
| Net loans and leases to deposits | 83.6873% | 2,249 |
| Net loans and leases to core deposits | 83.6873% | 2,928 |
| Total domestic deposits to total assets | 84.1302% | 3,655 |
| Equity capital to assets | 12.3386% | 1,744 |
| Core capital (leverage) ratio | 11.1682% | 2,244 |
| Tier 1 risk-based capital ratio | 15.4077% | 3,274 |
| Total risk-based capital ratio | 16.6578% | 3,214 |
| Memoranda: | ||
| Average total assets | $115,763,600 | 4,262 |
| Average earning assets | $106,557,200 | 4,254 |
| Average equity | $13,990,600 | 4,026 |
| Average total loans | $78,770,400 | 3,907 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9351% | 4,033 |
| Cost of funding earning assets | 0.3628% | 4,205 |
| Net interest margin | 3.5723% | 3,541 |
| Noninterest income to average assets | 0.3008% | 5,044 |
| Noninterest expense to average assets | 2.0939% | 5,583 |
| Loan and lease loss provision to assets | 0.0625% | 3,107 |
| Net operating income to assets | 1.3425% | 1,262 |
| Return on assets (ROA) | 1.3535% | 1,295 |
| Pretax return on assets | 1.4252% | 1,905 |
| Return on Equity (ROE) | 11.2598% | 1,701 |
| Retained earnings to average equity (ytd only) | 5.7743% | 2,551 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6520% | 5,357 |
| Assets per employee ($millions) | 5.1753% | 2,042 |
| Cash dividends to net income (ytd only)* | 48.7179% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 3,401 |
| Loan loss allowance to noncurrent loans | 183.3916% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 4,206 |
| Noncurrent loans to loans | 0.7358% | 3,761 |
| Net loans and leases to total assets | 67.3596% | 2,636 |
| Net loans and leases to deposits | 77.3520% | 3,022 |
| Net loans and leases to core deposits | 77.3520% | 3,602 |
| Total domestic deposits to total assets | 87.0819% | 2,272 |
| Equity capital to assets | 12.4499% | 1,737 |
| Core capital (leverage) ratio | 11.1237% | 2,374 |
| Tier 1 risk-based capital ratio | 15.9697% | 3,072 |
| Total risk-based capital ratio | 17.2213% | 3,021 |
| Memoranda: | ||
| Average total assets | $115,252,250 | 4,314 |
| Average earning assets | $105,474,750 | 4,318 |
| Average equity | $13,854,250 | 4,069 |
| Average total loans | $77,460,000 | 3,978 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9154% | 4,075 |
| Cost of funding earning assets | 0.3633% | 4,280 |
| Net interest margin | 3.5521% | 3,563 |
| Noninterest income to average assets | 0.2869% | 5,129 |
| Noninterest expense to average assets | 2.0948% | 5,636 |
| Loan and lease loss provision to assets | 0.0622% | 3,026 |
| Net operating income to assets | 1.3058% | 1,290 |
| Return on assets (ROA) | 1.3222% | 1,297 |
| Pretax return on assets | 1.3913% | 1,924 |
| Return on Equity (ROE) | 11.1294% | 1,701 |
| Retained earnings to average equity (ytd only) | 4.5827% | 3,247 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3245% | 5,384 |
| Assets per employee ($millions) | 4.9870% | 2,230 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 3,707 |
| Loan loss allowance to noncurrent loans | 502.9268% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 5,426 |
| Noncurrent loans to loans | 0.2640% | 5,230 |
| Net loans and leases to total assets | 66.7893% | 2,620 |
| Net loans and leases to deposits | 76.4025% | 3,003 |
| Net loans and leases to core deposits | 76.4025% | 3,588 |
| Total domestic deposits to total assets | 87.4177% | 2,237 |
| Equity capital to assets | 12.1525% | 1,884 |
| Core capital (leverage) ratio | 10.7561% | 2,666 |
| Tier 1 risk-based capital ratio | 15.4298% | 3,395 |
| Total risk-based capital ratio | 16.6809% | 3,334 |
| Memoranda: | ||
| Average total assets | $115,717,670 | 4,336 |
| Average earning assets | $105,684,330 | 4,332 |
| Average equity | $13,747,330 | 4,092 |
| Average total loans | $77,366,000 | 3,992 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 4,059 |
| Cost of funding earning assets | 0.3688% | 4,331 |
| Net interest margin | 3.5377% | 3,533 |
| Noninterest income to average assets | 0.2822% | 5,113 |
| Noninterest expense to average assets | 2.0787% | 5,720 |
| Loan and lease loss provision to assets | 0.0619% | 2,879 |
| Net operating income to assets | 1.3061% | 1,196 |
| Return on assets (ROA) | 1.3388% | 1,168 |
| Pretax return on assets | 1.4110% | 1,711 |
| Return on Equity (ROE) | 11.3980% | 1,570 |
| Retained earnings to average equity (ytd only) | 5.2448% | 2,967 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0998% | 5,526 |
| Assets per employee ($millions) | 5.0448% | 2,200 |
| Cash dividends to net income (ytd only)* | 53.9846% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 4,020 |
| Loan loss allowance to noncurrent loans | 1,332.8947% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 5,918 |
| Noncurrent loans to loans | 0.0989% | 5,828 |
| Net loans and leases to total assets | 65.3593% | 2,662 |
| Net loans and leases to deposits | 74.4895% | 3,008 |
| Net loans and leases to core deposits | 74.4895% | 3,592 |
| Total domestic deposits to total assets | 87.7429% | 2,389 |
| Equity capital to assets | 11.8563% | 1,977 |
| Core capital (leverage) ratio | 10.4989% | 2,933 |
| Tier 1 risk-based capital ratio | 15.2305% | 3,593 |
| Total risk-based capital ratio | 16.4654% | 3,560 |
| Memoranda: | ||
| Average total assets | $116,226,000 | 4,363 |
| Average earning assets | $106,284,500 | 4,355 |
| Average equity | $13,651,500 | 4,118 |
| Average total loans | $77,229,500 | 4,019 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 4,578 |
| Cost of funding earning assets | 0.4175% | 4,457 |
| Net interest margin | 3.4516% | 4,092 |
| Noninterest income to average assets | 0.3606% | 4,726 |
| Noninterest expense to average assets | 2.0277% | 5,977 |
| Loan and lease loss provision to assets | 0.0612% | 3,918 |
| Net operating income to assets | 1.3941% | 1,034 |
| Return on assets (ROA) | 1.4272% | 1,008 |
| Pretax return on assets | 1.4987% | 1,453 |
| Return on Equity (ROE) | 12.6458% | 1,243 |
| Retained earnings to average equity (ytd only) | 5.4336% | 2,326 |
| Net charge-offs to loans | 0.0052% | 5,363 |
| Credit loss provision to net charge-offs | 1,800.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 448.2500% | 88 |
| Efficiency ratio | 57.0745% | 5,844 |
| Assets per employee ($millions) | 5.0618% | 2,115 |
| Cash dividends to net income (ytd only)* | 57.0322% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 4,224 |
| Loan loss allowance to noncurrent loans | 1,745.6140% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 6,057 |
| Noncurrent loans to loans | 0.0734% | 5,996 |
| Net loans and leases to total assets | 65.8077% | 2,720 |
| Net loans and leases to deposits | 75.7250% | 2,993 |
| Net loans and leases to core deposits | 75.9540% | 3,613 |
| Total domestic deposits to total assets | 86.9036% | 2,778 |
| Equity capital to assets | 11.6354% | 2,075 |
| Core capital (leverage) ratio | 10.4483% | 2,966 |
| Tier 1 risk-based capital ratio | 15.0668% | 3,627 |
| Total risk-based capital ratio | 16.3155% | 3,571 |
| Memoranda: | ||
| Average total assets | $117,568,800 | 4,327 |
| Average earning assets | $108,730,800 | 4,291 |
| Average equity | $13,269,200 | 4,212 |
| Average total loans | $76,431,000 | 4,045 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 4,630 |
| Cost of funding earning assets | 0.4235% | 4,575 |
| Net interest margin | 3.4405% | 4,119 |
| Noninterest income to average assets | 0.3484% | 4,899 |
| Noninterest expense to average assets | 2.0409% | 5,941 |
| Loan and lease loss provision to assets | 0.0611% | 3,824 |
| Net operating income to assets | 1.3644% | 1,189 |
| Return on assets (ROA) | 1.4085% | 1,134 |
| Pretax return on assets | 1.4820% | 1,658 |
| Return on Equity (ROE) | 12.5755% | 1,338 |
| Retained earnings to average equity (ytd only) | 4.6767% | 3,334 |
| Net charge-offs to loans | 0.0035% | 5,136 |
| Credit loss provision to net charge-offs | 2,700.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 660.6592% | 83 |
| Efficiency ratio | 57.6911% | 5,728 |
| Assets per employee ($millions) | 4.9007% | 2,306 |
| Cash dividends to net income (ytd only)* | 62.8112% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 4,305 |
| Loan loss allowance to noncurrent loans | 32,633.3333% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 6,015 |
| Noncurrent loans to loans | 0.0040% | 6,378 |
| Net loans and leases to total assets | 65.1401% | 2,776 |
| Net loans and leases to deposits | 74.5747% | 3,148 |
| Net loans and leases to core deposits | 74.8049% | 3,756 |
| Total domestic deposits to total assets | 87.3488% | 2,481 |
| Equity capital to assets | 11.8376% | 2,019 |
| Core capital (leverage) ratio | 10.1882% | 3,420 |
| Tier 1 risk-based capital ratio | 15.2771% | 3,578 |
| Total risk-based capital ratio | 16.5269% | 3,533 |
| Memoranda: | ||
| Average total assets | $117,855,750 | 4,363 |
| Average earning assets | $109,244,500 | 4,324 |
| Average equity | $13,200,000 | 4,269 |
| Average total loans | $76,136,500 | 4,082 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8035% | 4,816 |
| Cost of funding earning assets | 0.4232% | 4,728 |
| Net interest margin | 3.3802% | 4,265 |
| Noninterest income to average assets | 0.3412% | 4,955 |
| Noninterest expense to average assets | 2.0106% | 6,029 |
| Loan and lease loss provision to assets | 0.0602% | 3,805 |
| Net operating income to assets | 1.3392% | 1,226 |
| Return on assets (ROA) | 1.3917% | 1,183 |
| Pretax return on assets | 1.4653% | 1,724 |
| Return on Equity (ROE) | 12.6518% | 1,329 |
| Retained earnings to average equity (ytd only) | 3.4214% | 4,142 |
| Net charge-offs to loans | 0.0052% | 4,797 |
| Credit loss provision to net charge-offs | 1,800.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 439.5000% | 108 |
| Efficiency ratio | 57.7607% | 5,772 |
| Assets per employee ($millions) | 5.3027% | 1,786 |
| Cash dividends to net income (ytd only)* | 72.9567% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 4,588 |
| Loan loss allowance to noncurrent loans | 1,130.5882% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 5,894 |
| Noncurrent loans to loans | 0.1135% | 6,054 |
| Net loans and leases to total assets | 60.6107% | 3,559 |
| Net loans and leases to deposits | 68.4336% | 3,948 |
| Net loans and leases to core deposits | 68.6255% | 4,439 |
| Total domestic deposits to total assets | 88.5686% | 1,873 |
| Equity capital to assets | 10.7066% | 3,050 |
| Core capital (leverage) ratio | 10.0541% | 3,442 |
| Tier 1 risk-based capital ratio | 13.5820% | 4,722 |
| Total risk-based capital ratio | 14.7161% | 4,748 |
| Memoranda: | ||
| Average total assets | $119,568,670 | 4,358 |
| Average earning assets | $111,057,000 | 4,312 |
| Average equity | $13,152,330 | 4,314 |
| Average total loans | $76,714,330 | 4,082 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 4,762 |
| Cost of funding earning assets | 0.4295% | 4,809 |
| Net interest margin | 3.3894% | 4,157 |
| Noninterest income to average assets | 0.3345% | 5,021 |
| Noninterest expense to average assets | 2.0005% | 6,105 |
| Loan and lease loss provision to assets | 0.0608% | 3,625 |
| Net operating income to assets | 1.3753% | 1,087 |
| Return on assets (ROA) | 1.3753% | 1,176 |
| Pretax return on assets | 1.4463% | 1,716 |
| Return on Equity (ROE) | 12.3338% | 1,334 |
| Retained earnings to average equity (ytd only) | 5.9699% | 2,691 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0328% | 5,960 |
| Assets per employee ($millions) | 5.0631% | 2,137 |
| Cash dividends to net income (ytd only)* | 51.5971% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 4,957 |
| Loan loss allowance to noncurrent loans | 1,111.7647% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 5,941 |
| Noncurrent loans to loans | 0.1123% | 6,141 |
| Net loans and leases to total assets | 64.2093% | 2,666 |
| Net loans and leases to deposits | 73.0976% | 3,034 |
| Net loans and leases to core deposits | 73.3133% | 3,666 |
| Total domestic deposits to total assets | 87.8405% | 2,421 |
| Equity capital to assets | 11.4107% | 2,505 |
| Core capital (leverage) ratio | 10.1625% | 3,196 |
| Tier 1 risk-based capital ratio | 14.6372% | 4,076 |
| Total risk-based capital ratio | 15.8419% | 4,073 |
| Memoranda: | ||
| Average total assets | $118,372,000 | 4,431 |
| Average earning assets | $110,816,000 | 4,355 |
| Average equity | $13,199,500 | 4,350 |
| Average total loans | $77,630,000 | 4,076 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 4,188 |
| Cost of funding earning assets | 0.6190% | 4,185 |
| Net interest margin | 3.6810% | 3,736 |
| Noninterest income to average assets | 0.4203% | 4,453 |
| Noninterest expense to average assets | 2.0978% | 6,133 |
| Loan and lease loss provision to assets | 0.0656% | 4,937 |
| Net operating income to assets | 1.6055% | 750 |
| Return on assets (ROA) | 1.6055% | 830 |
| Pretax return on assets | 1.6885% | 1,164 |
| Return on Equity (ROE) | 13.9459% | 1,004 |
| Retained earnings to average equity (ytd only) | 7.4996% | 1,338 |
| Net charge-offs to loans | 0.0068% | 5,859 |
| Credit loss provision to net charge-offs | 1,440.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 384.8000% | 107 |
| Efficiency ratio | 54.4615% | 6,218 |
| Assets per employee ($millions) | 5.0122% | 2,214 |
| Cash dividends to net income (ytd only)* | 46.2237% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 5,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 6,139 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 65.3535% | 2,640 |
| Net loans and leases to deposits | 78.4002% | 2,473 |
| Net loans and leases to core deposits | 78.6354% | 3,178 |
| Total domestic deposits to total assets | 83.3588% | 4,581 |
| Equity capital to assets | 10.8993% | 3,066 |
| Core capital (leverage) ratio | 9.8337% | 3,623 |
| Tier 1 risk-based capital ratio | 13.6997% | 4,602 |
| Total risk-based capital ratio | 14.8251% | 4,644 |
| Memoranda: | ||
| Average total assets | $109,686,000 | 4,597 |
| Average earning assets | $102,256,000 | 4,543 |
| Average equity | $12,627,400 | 4,436 |
| Average total loans | $73,040,400 | 4,234 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 4,050 |
| Cost of funding earning assets | 0.6626% | 4,081 |
| Net interest margin | 3.7367% | 3,623 |
| Noninterest income to average assets | 0.3600% | 4,943 |
| Noninterest expense to average assets | 2.0990% | 6,168 |
| Loan and lease loss provision to assets | 0.0673% | 4,844 |
| Net operating income to assets | 1.5945% | 860 |
| Return on assets (ROA) | 1.5945% | 958 |
| Pretax return on assets | 1.6779% | 1,337 |
| Return on Equity (ROE) | 13.6459% | 1,186 |
| Retained earnings to average equity (ytd only) | 6.4711% | 2,391 |
| Net charge-offs to loans | 0.0915% | 4,462 |
| Credit loss provision to net charge-offs | 110.2041% | 2,664 |
| Earnings coverage of net charge-offs (x) | 28.5925% | 1,139 |
| Efficiency ratio | 54.6014% | 6,189 |
| Assets per employee ($millions) | 4.5675% | 2,796 |
| Cash dividends to net income (ytd only)* | 52.5782% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 5,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 6,243 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 64.8218% | 2,872 |
| Net loans and leases to deposits | 74.2195% | 3,251 |
| Net loans and leases to core deposits | 74.2195% | 3,951 |
| Total domestic deposits to total assets | 87.3380% | 2,471 |
| Equity capital to assets | 11.7553% | 2,481 |
| Core capital (leverage) ratio | 10.2206% | 3,263 |
| Tier 1 risk-based capital ratio | 14.7243% | 4,030 |
| Total risk-based capital ratio | 15.8880% | 4,055 |
| Memoranda: | ||
| Average total assets | $107,034,500 | 4,707 |
| Average earning assets | $99,799,750 | 4,648 |
| Average equity | $12,506,500 | 4,502 |
| Average total loans | $71,415,000 | 4,346 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 4,059 |
| Cost of funding earning assets | 0.6822% | 4,165 |
| Net interest margin | 3.7480% | 3,600 |
| Noninterest income to average assets | 0.3617% | 4,945 |
| Noninterest expense to average assets | 2.1267% | 6,183 |
| Loan and lease loss provision to assets | 0.0678% | 4,782 |
| Net operating income to assets | 1.5823% | 865 |
| Return on assets (ROA) | 1.5823% | 969 |
| Pretax return on assets | 1.6652% | 1,355 |
| Return on Equity (ROE) | 13.5703% | 1,213 |
| Retained earnings to average equity (ytd only) | 4.9758% | 3,293 |
| Net charge-offs to loans | 0.0084% | 5,349 |
| Credit loss provision to net charge-offs | 1,200.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 306.6667% | 137 |
| Efficiency ratio | 55.1000% | 6,216 |
| Assets per employee ($millions) | 4.3216% | 3,219 |
| Cash dividends to net income (ytd only)* | 63.3333% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 4,931 |
| Loan loss allowance to noncurrent loans | 44,650.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 6,192 |
| Noncurrent loans to loans | 0.0029% | 6,723 |
| Net loans and leases to total assets | 63.2553% | 3,189 |
| Net loans and leases to deposits | 72.3009% | 3,566 |
| Net loans and leases to core deposits | 72.3009% | 4,268 |
| Total domestic deposits to total assets | 87.4889% | 2,478 |
| Equity capital to assets | 11.6142% | 2,476 |
| Core capital (leverage) ratio | 10.1979% | 3,147 |
| Tier 1 risk-based capital ratio | 14.8245% | 3,881 |
| Total risk-based capital ratio | 16.0681% | 3,852 |
| Memoranda: | ||
| Average total assets | $106,173,000 | 4,748 |
| Average earning assets | $99,094,000 | 4,691 |
| Average equity | $12,380,000 | 4,531 |
| Average total loans | $71,246,000 | 4,380 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 3,775 |
| Cost of funding earning assets | 0.6981% | 4,295 |
| Net interest margin | 3.8374% | 3,201 |
| Noninterest income to average assets | 0.3535% | 5,041 |
| Noninterest expense to average assets | 2.1551% | 6,141 |
| Loan and lease loss provision to assets | 0.0684% | 4,555 |
| Net operating income to assets | 1.6192% | 833 |
| Return on assets (ROA) | 1.6192% | 933 |
| Pretax return on assets | 1.7028% | 1,293 |
| Return on Equity (ROE) | 13.8582% | 1,214 |
| Retained earnings to average equity (ytd only) | 1.1386% | 5,631 |
| Net charge-offs to loans | 0.0055% | 4,676 |
| Credit loss provision to net charge-offs | 1,800.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 466.0000% | 54 |
| Efficiency ratio | 54.8887% | 6,244 |
| Assets per employee ($millions) | 4.2073% | 3,562 |
| Cash dividends to net income (ytd only)* | 91.7840% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 5,271 |
| Loan loss allowance to noncurrent loans | 43,850.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 6,290 |
| Noncurrent loans to loans | 0.0028% | 6,801 |
| Net loans and leases to total assets | 66.0816% | 2,456 |
| Net loans and leases to deposits | 75.6363% | 2,855 |
| Net loans and leases to core deposits | 75.6363% | 3,665 |
| Total domestic deposits to total assets | 87.3676% | 2,735 |
| Equity capital to assets | 11.7064% | 2,258 |
| Core capital (leverage) ratio | 10.1105% | 3,226 |
| Tier 1 risk-based capital ratio | 14.3595% | 4,202 |
| Total risk-based capital ratio | 15.5736% | 4,197 |
| Memoranda: | ||
| Average total assets | $105,239,500 | 4,804 |
| Average earning assets | $97,984,000 | 4,750 |
| Average equity | $12,296,000 | 4,554 |
| Average total loans | $72,252,000 | 4,372 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7383% | 4,086 |
| Cost of funding earning assets | 0.8127% | 4,769 |
| Net interest margin | 3.9256% | 3,221 |
| Noninterest income to average assets | 0.4589% | 4,152 |
| Noninterest expense to average assets | 2.2659% | 6,133 |
| Loan and lease loss provision to assets | 0.0714% | 5,726 |
| Net operating income to assets | 1.6999% | 549 |
| Return on assets (ROA) | 1.6999% | 586 |
| Pretax return on assets | 1.7842% | 832 |
| Return on Equity (ROE) | 14.4670% | 835 |
| Retained earnings to average equity (ytd only) | 4.9770% | 2,654 |
| Net charge-offs to loans | 0.0891% | 5,445 |
| Credit loss provision to net charge-offs | 116.1290% | 2,794 |
| Earnings coverage of net charge-offs (x) | 30.1935% | 838 |
| Efficiency ratio | 54.9784% | 6,426 |
| Assets per employee ($millions) | 4.2119% | 3,444 |
| Cash dividends to net income (ytd only)* | 65.5977% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 5,574 |
| Loan loss allowance to noncurrent loans | 21,500.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 6,368 |
| Noncurrent loans to loans | 0.0054% | 6,856 |
| Net loans and leases to total assets | 69.5756% | 2,119 |
| Net loans and leases to deposits | 80.4695% | 2,434 |
| Net loans and leases to core deposits | 80.4695% | 3,390 |
| Total domestic deposits to total assets | 86.4621% | 3,050 |
| Equity capital to assets | 11.6613% | 2,372 |
| Core capital (leverage) ratio | 10.1637% | 3,151 |
| Tier 1 risk-based capital ratio | 13.7564% | 4,514 |
| Total risk-based capital ratio | 14.9009% | 4,548 |
| Memoranda: | ||
| Average total assets | $100,887,200 | 4,869 |
| Average earning assets | $94,126,600 | 4,809 |
| Average equity | $11,854,600 | 4,580 |
| Average total loans | $69,581,400 | 4,507 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 4,266 |
| Cost of funding earning assets | 0.8342% | 4,909 |
| Net interest margin | 3.9083% | 3,343 |
| Noninterest income to average assets | 0.4102% | 4,587 |
| Noninterest expense to average assets | 2.2768% | 6,096 |
| Loan and lease loss provision to assets | 0.0722% | 5,549 |
| Net operating income to assets | 1.6315% | 733 |
| Return on assets (ROA) | 1.6315% | 804 |
| Pretax return on assets | 1.7170% | 1,103 |
| Return on Equity (ROE) | 13.8567% | 1,066 |
| Retained earnings to average equity (ytd only) | 2.7918% | 4,689 |
| Net charge-offs to loans | 0.1149% | 4,868 |
| Credit loss provision to net charge-offs | 91.5254% | 3,724 |
| Earnings coverage of net charge-offs (x) | 22.6963% | 1,143 |
| Efficiency ratio | 55.9974% | 6,286 |
| Assets per employee ($millions) | 4.0808% | 3,675 |
| Cash dividends to net income (ytd only)* | 79.8527% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 5,510 |
| Loan loss allowance to noncurrent loans | 28,166.6667% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 6,409 |
| Noncurrent loans to loans | 0.0042% | 6,962 |
| Net loans and leases to total assets | 68.7346% | 2,324 |
| Net loans and leases to deposits | 81.9357% | 2,368 |
| Net loans and leases to core deposits | 81.9357% | 3,336 |
| Total domestic deposits to total assets | 83.8885% | 4,285 |
| Equity capital to assets | 11.7673% | 2,440 |
| Core capital (leverage) ratio | 10.1660% | 3,226 |
| Tier 1 risk-based capital ratio | 13.8591% | 4,444 |
| Total risk-based capital ratio | 15.0311% | 4,476 |
| Memoranda: | ||
| Average total assets | $99,784,750 | 4,934 |
| Average earning assets | $93,336,750 | 4,864 |
| Average equity | $11,748,500 | 4,631 |
| Average total loans | $68,446,500 | 4,582 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 4,302 |
| Cost of funding earning assets | 0.8564% | 5,010 |
| Net interest margin | 3.8939% | 3,343 |
| Noninterest income to average assets | 0.4241% | 4,474 |
| Noninterest expense to average assets | 2.3061% | 6,110 |
| Loan and lease loss provision to assets | 0.0727% | 5,395 |
| Net operating income to assets | 1.6054% | 725 |
| Return on assets (ROA) | 1.6054% | 767 |
| Pretax return on assets | 1.6902% | 1,076 |
| Return on Equity (ROE) | 13.6329% | 1,064 |
| Retained earnings to average equity (ytd only) | -0.5144% | 5,966 |
| Net charge-offs to loans | 0.1745% | 4,123 |
| Credit loss provision to net charge-offs | 61.0169% | 4,315 |
| Earnings coverage of net charge-offs (x) | 14.7966% | 1,456 |
| Efficiency ratio | 56.6749% | 6,336 |
| Assets per employee ($millions) | 3.9785% | 3,796 |
| Cash dividends to net income (ytd only)* | 103.7736% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 5,407 |
| Loan loss allowance to noncurrent loans | 82,700.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 6,458 |
| Noncurrent loans to loans | 0.0015% | 7,022 |
| Net loans and leases to total assets | 66.6536% | 2,897 |
| Net loans and leases to deposits | 79.7428% | 2,839 |
| Net loans and leases to core deposits | 79.7428% | 3,818 |
| Total domestic deposits to total assets | 83.5857% | 4,508 |
| Equity capital to assets | 11.7231% | 2,314 |
| Core capital (leverage) ratio | 9.9657% | 3,304 |
| Tier 1 risk-based capital ratio | 14.2217% | 3,999 |
| Total risk-based capital ratio | 15.4321% | 4,002 |
| Memoranda: | ||
| Average total assets | $99,039,670 | 4,989 |
| Average earning assets | $92,709,000 | 4,912 |
| Average equity | $11,663,000 | 4,651 |
| Average total loans | $67,606,000 | 4,654 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 4,292 |
| Cost of funding earning assets | 0.8725% | 5,113 |
| Net interest margin | 3.8789% | 3,246 |
| Noninterest income to average assets | 0.4857% | 4,006 |
| Noninterest expense to average assets | 2.3556% | 6,036 |
| Loan and lease loss provision to assets | 0.0729% | 5,088 |
| Net operating income to assets | 1.6068% | 683 |
| Return on assets (ROA) | 1.6068% | 727 |
| Pretax return on assets | 1.6918% | 997 |
| Return on Equity (ROE) | 13.6140% | 1,060 |
| Retained earnings to average equity (ytd only) | 13.6140% | 511 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1709% | 6,364 |
| Assets per employee ($millions) | 3.9747% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 5,114 |
| Loan loss allowance to noncurrent loans | 273.8170% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 6,397 |
| Noncurrent loans to loans | 0.4759% | 6,067 |
| Net loans and leases to total assets | 66.1642% | 2,968 |
| Net loans and leases to deposits | 76.6279% | 3,315 |
| Net loans and leases to core deposits | 76.6279% | 4,219 |
| Total domestic deposits to total assets | 86.3447% | 3,314 |
| Equity capital to assets | 11.9284% | 1,959 |
| Core capital (leverage) ratio | 10.2608% | 2,852 |
| Tier 1 risk-based capital ratio | 14.9141% | 3,467 |
| Total risk-based capital ratio | 16.1638% | 3,434 |
| Memoranda: | ||
| Average total assets | $98,828,500 | 5,029 |
| Average earning assets | $92,604,000 | 4,955 |
| Average equity | $11,664,500 | 4,630 |
| Average total loans | $67,848,000 | 4,691 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0026% | 4,545 |
| Cost of funding earning assets | 1.0396% | 5,485 |
| Net interest margin | 3.9629% | 3,195 |
| Noninterest income to average assets | 0.4580% | 4,457 |
| Noninterest expense to average assets | 2.3416% | 6,240 |
| Loan and lease loss provision to assets | 0.0746% | 6,402 |
| Net operating income to assets | 1.6277% | 595 |
| Return on assets (ROA) | 1.6277% | 641 |
| Pretax return on assets | 1.7148% | 914 |
| Return on Equity (ROE) | 14.6036% | 773 |
| Retained earnings to average equity (ytd only) | 14.6036% | 140 |
| Net charge-offs to loans | 0.0409% | 6,393 |
| Credit loss provision to net charge-offs | 266.6667% | 1,043 |
| Earnings coverage of net charge-offs (x) | 63.9630% | 371 |
| Efficiency ratio | 56.6842% | 6,499 |
| Assets per employee ($millions) | 3.9316% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 5,367 |
| Loan loss allowance to noncurrent loans | 248.5380% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 6,387 |
| Noncurrent loans to loans | 0.4951% | 6,050 |
| Net loans and leases to total assets | 69.4198% | 2,682 |
| Net loans and leases to deposits | 80.9923% | 2,994 |
| Net loans and leases to core deposits | 80.9923% | 4,061 |
| Total domestic deposits to total assets | 85.7115% | 3,492 |
| Equity capital to assets | 11.6758% | 2,144 |
| Core capital (leverage) ratio | 10.0537% | 3,024 |
| Tier 1 risk-based capital ratio | 14.0404% | 3,846 |
| Total risk-based capital ratio | 15.2648% | 3,828 |
| Memoranda: | ||
| Average total assets | $96,515,000 | 5,091 |
| Average earning assets | $89,454,000 | 5,037 |
| Average equity | $10,757,600 | 4,918 |
| Average total loans | $65,955,800 | 4,827 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0184% | 4,724 |
| Cost of funding earning assets | 1.0700% | 5,593 |
| Net interest margin | 3.9484% | 3,325 |
| Noninterest income to average assets | 0.3719% | 5,179 |
| Noninterest expense to average assets | 2.3329% | 6,224 |
| Loan and lease loss provision to assets | 0.0749% | 6,303 |
| Net operating income to assets | 1.5349% | 856 |
| Return on assets (ROA) | 1.5349% | 937 |
| Pretax return on assets | 1.6154% | 1,310 |
| Return on Equity (ROE) | 13.9405% | 1,048 |
| Retained earnings to average equity (ytd only) | 13.9405% | 279 |
| Net charge-offs to loans | 0.0573% | 5,945 |
| Credit loss provision to net charge-offs | 192.8571% | 1,854 |
| Earnings coverage of net charge-offs (x) | 43.5028% | 641 |
| Efficiency ratio | 57.9855% | 6,276 |
| Assets per employee ($millions) | 3.8486% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 5,324 |
| Loan loss allowance to noncurrent loans | 192.8074% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 6,311 |
| Noncurrent loans to loans | 0.6398% | 5,931 |
| Net loans and leases to total assets | 69.1503% | 2,948 |
| Net loans and leases to deposits | 80.9365% | 3,283 |
| Net loans and leases to core deposits | 80.9365% | 4,392 |
| Total domestic deposits to total assets | 85.4378% | 3,388 |
| Equity capital to assets | 11.7030% | 2,353 |
| Core capital (leverage) ratio | 9.8327% | 3,448 |
| Tier 1 risk-based capital ratio | 13.7187% | 4,040 |
| Total risk-based capital ratio | 14.9467% | 4,010 |
| Memoranda: | ||
| Average total assets | $96,071,500 | 5,156 |
| Average earning assets | $88,844,500 | 5,113 |
| Average equity | $10,578,000 | 5,030 |
| Average total loans | $65,174,250 | 4,935 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0036% | 4,923 |
| Cost of funding earning assets | 1.0856% | 5,755 |
| Net interest margin | 3.9180% | 3,360 |
| Noninterest income to average assets | 0.3333% | 5,491 |
| Noninterest expense to average assets | 2.3640% | 6,175 |
| Loan and lease loss provision to assets | 0.0750% | 6,196 |
| Net operating income to assets | 1.4351% | 1,022 |
| Return on assets (ROA) | 1.4351% | 1,094 |
| Pretax return on assets | 1.5100% | 1,532 |
| Return on Equity (ROE) | 13.3131% | 1,173 |
| Retained earnings to average equity (ytd only) | 13.3131% | 349 |
| Net charge-offs to loans | 0.0776% | 5,366 |
| Credit loss provision to net charge-offs | 144.0000% | 2,756 |
| Earnings coverage of net charge-offs (x) | 30.4400% | 908 |
| Efficiency ratio | 59.8629% | 6,067 |
| Assets per employee ($millions) | 3.8196% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 5,237 |
| Loan loss allowance to noncurrent loans | 182.1429% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 6,275 |
| Noncurrent loans to loans | 0.6808% | 5,888 |
| Net loans and leases to total assets | 68.0535% | 3,347 |
| Net loans and leases to deposits | 77.8720% | 3,991 |
| Net loans and leases to core deposits | 77.8720% | 4,971 |
| Total domestic deposits to total assets | 87.3915% | 2,330 |
| Equity capital to assets | 11.3037% | 2,595 |
| Core capital (leverage) ratio | 9.3556% | 4,032 |
| Tier 1 risk-based capital ratio | 13.3040% | 4,205 |
| Total risk-based capital ratio | 14.5286% | 4,189 |
| Memoranda: | ||
| Average total assets | $96,023,670 | 5,191 |
| Average earning assets | $88,616,000 | 5,151 |
| Average equity | $10,350,670 | 5,101 |
| Average total loans | $64,444,330 | 5,002 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9807% | 5,107 |
| Cost of funding earning assets | 1.0948% | 5,935 |
| Net interest margin | 3.8860% | 3,389 |
| Noninterest income to average assets | 0.3074% | 5,686 |
| Noninterest expense to average assets | 2.3803% | 6,159 |
| Loan and lease loss provision to assets | 0.0748% | 5,893 |
| Net operating income to assets | 1.3501% | 1,184 |
| Return on assets (ROA) | 1.3501% | 1,254 |
| Pretax return on assets | 1.4207% | 1,715 |
| Return on Equity (ROE) | 12.8344% | 1,285 |
| Retained earnings to average equity (ytd only) | 12.8344% | 642 |
| Net charge-offs to loans | 0.1568% | 3,985 |
| Credit loss provision to net charge-offs | 72.0000% | 4,058 |
| Earnings coverage of net charge-offs (x) | 14.4000% | 1,433 |
| Efficiency ratio | 61.4148% | 5,923 |
| Assets per employee ($millions) | 3.8595% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 5,164 |
| Loan loss allowance to noncurrent loans | 156.7780% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 6,185 |
| Noncurrent loans to loans | 0.8028% | 5,708 |
| Net loans and leases to total assets | 64.8854% | 4,121 |
| Net loans and leases to deposits | 73.6931% | 4,793 |
| Net loans and leases to core deposits | 73.6931% | 5,524 |
| Total domestic deposits to total assets | 88.0481% | 2,030 |
| Equity capital to assets | 10.6709% | 3,068 |
| Core capital (leverage) ratio | 8.8334% | 4,815 |
| Tier 1 risk-based capital ratio | 13.0034% | 4,330 |
| Total risk-based capital ratio | 14.2241% | 4,328 |
| Memoranda: | ||
| Average total assets | $96,290,000 | 5,249 |
| Average earning assets | $88,420,500 | 5,218 |
| Average equity | $10,129,000 | 5,205 |
| Average total loans | $63,766,000 | 5,099 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2600% | 5,367 |
| Cost of funding earning assets | 1.3224% | 6,231 |
| Net interest margin | 3.9376% | 3,131 |
| Noninterest income to average assets | 0.4306% | 4,952 |
| Noninterest expense to average assets | 2.4773% | 6,214 |
| Loan and lease loss provision to assets | 0.0478% | 7,085 |
| Net operating income to assets | 1.4475% | 767 |
| Return on assets (ROA) | 1.4475% | 826 |
| Pretax return on assets | 1.5225% | 1,130 |
| Return on Equity (ROE) | 14.2808% | 738 |
| Retained earnings to average equity (ytd only) | 14.2808% | 110 |
| Net charge-offs to loans | 0.1214% | 5,963 |
| Credit loss provision to net charge-offs | 58.6667% | 6,660 |
| Earnings coverage of net charge-offs (x) | 19.2533% | 1,090 |
| Efficiency ratio | 61.2037% | 6,296 |
| Assets per employee ($millions) | 3.8437% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 5,021 |
| Loan loss allowance to noncurrent loans | 331.2757% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 6,823 |
| Noncurrent loans to loans | 0.3789% | 6,518 |
| Net loans and leases to total assets | 65.8976% | 4,178 |
| Net loans and leases to deposits | 74.2035% | 5,005 |
| Net loans and leases to core deposits | 79.3860% | 6,155 |
| Total domestic deposits to total assets | 88.8067% | 1,569 |
| Equity capital to assets | 10.3670% | 3,323 |
| Core capital (leverage) ratio | 8.5903% | 5,114 |
| Tier 1 risk-based capital ratio | 12.4216% | 4,575 |
| Total risk-based capital ratio | 13.6444% | 4,567 |
| Memoranda: | ||
| Average total assets | $91,954,600 | 5,336 |
| Average earning assets | $84,468,000 | 5,319 |
| Average equity | $9,320,200 | 5,499 |
| Average total loans | $61,793,400 | 5,179 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2950% | 5,449 |
| Cost of funding earning assets | 1.3637% | 6,357 |
| Net interest margin | 3.9313% | 3,115 |
| Noninterest income to average assets | 0.3725% | 5,532 |
| Noninterest expense to average assets | 2.5120% | 6,034 |
| Loan and lease loss provision to assets | 0.0381% | 6,980 |
| Net operating income to assets | 1.3609% | 1,103 |
| Return on assets (ROA) | 1.3609% | 1,161 |
| Pretax return on assets | 1.4327% | 1,615 |
| Return on Equity (ROE) | 13.5080% | 1,008 |
| Retained earnings to average equity (ytd only) | 13.5080% | 221 |
| Net charge-offs to loans | 0.1634% | 5,082 |
| Credit loss provision to net charge-offs | 34.6667% | 6,473 |
| Earnings coverage of net charge-offs (x) | 13.3730% | 1,680 |
| Efficiency ratio | 63.0707% | 5,912 |
| Assets per employee ($millions) | 3.7612% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 4,714 |
| Loan loss allowance to noncurrent loans | 76.9306% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.0880% | 4,903 |
| Noncurrent loans to loans | 1.6462% | 4,175 |
| Net loans and leases to total assets | 65.2505% | 4,589 |
| Net loans and leases to deposits | 73.5310% | 5,440 |
| Net loans and leases to core deposits | 78.3229% | 6,456 |
| Total domestic deposits to total assets | 88.7387% | 1,322 |
| Equity capital to assets | 10.2861% | 3,750 |
| Core capital (leverage) ratio | 8.3075% | 5,820 |
| Tier 1 risk-based capital ratio | 12.1322% | 4,853 |
| Total risk-based capital ratio | 13.3606% | 4,818 |
| Memoranda: | ||
| Average total assets | $90,920,000 | 5,394 |
| Average earning assets | $83,497,750 | 5,387 |
| Average equity | $9,159,750 | 5,611 |
| Average total loans | $61,209,750 | 5,236 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3775% | 5,263 |
| Cost of funding earning assets | 1.3977% | 6,487 |
| Net interest margin | 3.9798% | 2,788 |
| Noninterest income to average assets | 0.4005% | 5,279 |
| Noninterest expense to average assets | 2.6167% | 5,674 |
| Loan and lease loss provision to assets | 0.0334% | 6,905 |
| Net operating income to assets | 1.3351% | 1,149 |
| Return on assets (ROA) | 1.3351% | 1,221 |
| Pretax return on assets | 1.4063% | 1,708 |
| Return on Equity (ROE) | 13.3496% | 1,107 |
| Retained earnings to average equity (ytd only) | 13.3496% | 291 |
| Net charge-offs to loans | 0.0033% | 6,577 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 647.0000% | 45 |
| Efficiency ratio | 64.5091% | 5,805 |
| Assets per employee ($millions) | 3.5942% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 3,907 |
| Loan loss allowance to noncurrent loans | 77.4840% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.2209% | 4,493 |
| Noncurrent loans to loans | 1.7625% | 3,862 |
| Net loans and leases to total assets | 68.3212% | 4,101 |
| Net loans and leases to deposits | 77.0873% | 5,021 |
| Net loans and leases to core deposits | 82.1227% | 6,226 |
| Total domestic deposits to total assets | 88.6283% | 1,471 |
| Equity capital to assets | 10.3444% | 3,574 |
| Core capital (leverage) ratio | 8.3041% | 5,790 |
| Tier 1 risk-based capital ratio | 11.8407% | 5,059 |
| Total risk-based capital ratio | 13.0925% | 4,974 |
| Memoranda: | ||
| Average total assets | $89,883,330 | 5,463 |
| Average earning assets | $82,566,000 | 5,450 |
| Average equity | $8,989,000 | 5,692 |
| Average total loans | $60,899,000 | 5,292 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3862% | 5,493 |
| Cost of funding earning assets | 1.4514% | 6,569 |
| Net interest margin | 3.9347% | 2,912 |
| Noninterest income to average assets | 0.4272% | 4,987 |
| Noninterest expense to average assets | 2.5407% | 5,685 |
| Loan and lease loss provision to assets | 0.0356% | 6,499 |
| Net operating income to assets | 1.4060% | 1,128 |
| Return on assets (ROA) | 1.4060% | 1,213 |
| Pretax return on assets | 1.4817% | 1,721 |
| Return on Equity (ROE) | 14.3051% | 1,106 |
| Retained earnings to average equity (ytd only) | 14.3051% | 486 |
| Net charge-offs to loans | 0.0066% | 5,595 |
| Credit loss provision to net charge-offs | 800.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 341.0000% | 112 |
| Efficiency ratio | 62.6096% | 5,948 |
| Assets per employee ($millions) | 3.4194% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 3,574 |
| Loan loss allowance to noncurrent loans | 423.6181% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 6,859 |
| Noncurrent loans to loans | 0.3271% | 6,617 |
| Net loans and leases to total assets | 67.4762% | 4,250 |
| Net loans and leases to deposits | 77.4271% | 5,019 |
| Net loans and leases to core deposits | 82.2150% | 6,223 |
| Total domestic deposits to total assets | 87.1479% | 2,150 |
| Equity capital to assets | 10.1750% | 3,788 |
| Core capital (leverage) ratio | 8.0304% | 6,407 |
| Tier 1 risk-based capital ratio | 11.5996% | 5,304 |
| Total risk-based capital ratio | 12.8517% | 5,208 |
| Memoranda: | ||
| Average total assets | $89,897,500 | 5,488 |
| Average earning assets | $82,953,500 | 5,460 |
| Average equity | $8,836,000 | 5,760 |
| Average total loans | $60,228,500 | 5,353 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9209% | 5,941 |
| Cost of funding earning assets | 2.1812% | 5,677 |
| Net interest margin | 3.7396% | 4,278 |
| Noninterest income to average assets | 0.4641% | 4,933 |
| Noninterest expense to average assets | 2.4715% | 6,126 |
| Loan and lease loss provision to assets | 0.0116% | 7,223 |
| Net operating income to assets | 0.7646% | 3,593 |
| Return on assets (ROA) | 0.7646% | 3,437 |
| Pretax return on assets | 1.3808% | 2,026 |
| Return on Equity (ROE) | 7.2289% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.2289% | 1,079 |
| Net charge-offs to loans | 0.0018% | 7,004 |
| Credit loss provision to net charge-offs | 1,000.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 1,200.0000% | 36 |
| Efficiency ratio | 63.9640% | 5,570 |
| Assets per employee ($millions) | 3.4958% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 3,181 |
| Loan loss allowance to noncurrent loans | 418.0000% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 6,692 |
| Noncurrent loans to loans | 0.3354% | 6,373 |
| Net loans and leases to total assets | 64.6808% | 5,132 |
| Net loans and leases to deposits | 72.0966% | 6,051 |
| Net loans and leases to core deposits | 76.2009% | 6,852 |
| Total domestic deposits to total assets | 89.7141% | 761 |
| Equity capital to assets | 9.4905% | 4,706 |
| Core capital (leverage) ratio | 7.6015% | 7,075 |
| Tier 1 risk-based capital ratio | 11.2381% | 5,500 |
| Total risk-based capital ratio | 12.4891% | 5,382 |
| Memoranda: | ||
| Average total assets | $86,183,600 | 5,476 |
| Average earning assets | $78,349,600 | 5,482 |
| Average equity | $9,116,200 | 5,701 |
| Average total loans | $56,773,800 | 5,416 |