Home > Citizens State Bank and Trust Co., Ellsworth, Kansas > Performance and Condition Ratios
Citizens State Bank and Trust Co., Ellsworth, Kansas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 3,562 |
| Cost of funding earning assets | 1.9434% | 1,004 |
| Net interest margin | 2.2923% | 4,267 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 2.1704% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7769% | 2,951 |
| Return on assets (ROA) | 0.7769% | 2,930 |
| Pretax return on assets | 0.7962% | 3,221 |
| Return on Equity (ROE) | 20.7200% | 551 |
| Retained earnings to average equity (ytd only) | 7.8287% | 1,594 |
| Net charge-offs to loans | 0.0189% | 1,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 72.3571% | 1,080 |
| Efficiency ratio | 72.9766% | 1,560 |
| Assets per employee ($millions) | 5.6000% | 3,162 |
| Cash dividends to net income (ytd only)* | 62.2155% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 1,691 |
| Loan loss allowance to noncurrent loans | 352.0721% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 2,172 |
| Noncurrent loans to loans | 0.3741% | 1,871 |
| Net loans and leases to total assets | 55.6200% | 3,226 |
| Net loans and leases to deposits | 75.1850% | 2,531 |
| Net loans and leases to core deposits | 81.0037% | 2,653 |
| Total domestic deposits to total assets | 73.9800% | 4,107 |
| Equity capital to assets | 4.2830% | 4,484 |
| Core capital (leverage) ratio | 8.7101% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1486% | 1,240 |
| Memoranda: | ||
| Average total assets | $254,474,200 | 2,651 |
| Average earning assets | $241,377,800 | 2,619 |
| Average equity | $9,541,800 | 3,769 |
| Average total loans | $148,507,200 | 2,688 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 3,484 |
| Cost of funding earning assets | 1.7661% | 1,070 |
| Net interest margin | 2.4260% | 4,204 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.2978% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7948% | 3,036 |
| Return on assets (ROA) | 0.7948% | 3,035 |
| Pretax return on assets | 0.8102% | 3,311 |
| Return on Equity (ROE) | 22.0100% | 557 |
| Retained earnings to average equity (ytd only) | 4.0106% | 3,253 |
| Net charge-offs to loans | 0.0251% | 1,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 54.7500% | 1,260 |
| Efficiency ratio | 73.7630% | 1,379 |
| Assets per employee ($millions) | 5.1338% | 3,490 |
| Cash dividends to net income (ytd only)* | 81.7819% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 1,900 |
| Loan loss allowance to noncurrent loans | 321.3816% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 2,019 |
| Noncurrent loans to loans | 0.4021% | 1,822 |
| Net loans and leases to total assets | 60.5600% | 2,787 |
| Net loans and leases to deposits | 83.4846% | 1,779 |
| Net loans and leases to core deposits | 90.1231% | 1,923 |
| Total domestic deposits to total assets | 72.5400% | 4,233 |
| Equity capital to assets | 2.6637% | 4,512 |
| Core capital (leverage) ratio | 8.3338% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4868% | 1,427 |
| Memoranda: | ||
| Average total assets | $252,292,250 | 2,676 |
| Average earning assets | $239,235,750 | 2,636 |
| Average equity | $9,109,000 | 3,814 |
| Average total loans | $148,546,000 | 2,693 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 3,617 |
| Cost of funding earning assets | 1.5785% | 1,113 |
| Net interest margin | 2.4557% | 4,256 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.3245% | 2,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7497% | 3,217 |
| Return on assets (ROA) | 0.7497% | 3,237 |
| Pretax return on assets | 0.7497% | 3,503 |
| Return on Equity (ROE) | 19.1400% | 816 |
| Retained earnings to average equity (ytd only) | 2.6714% | 3,558 |
| Net charge-offs to loans | 0.0122% | 1,739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 105.8889% | 905 |
| Efficiency ratio | 75.4350% | 1,224 |
| Assets per employee ($millions) | 5.1215% | 3,487 |
| Cash dividends to net income (ytd only)* | 86.0441% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 1,957 |
| Loan loss allowance to noncurrent loans | 118.2145% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 814 |
| Noncurrent loans to loans | 1.0934% | 657 |
| Net loans and leases to total assets | 58.8400% | 2,880 |
| Net loans and leases to deposits | 79.6381% | 2,008 |
| Net loans and leases to core deposits | 86.0042% | 2,072 |
| Total domestic deposits to total assets | 73.8800% | 4,199 |
| Equity capital to assets | 3.8911% | 4,511 |
| Core capital (leverage) ratio | 8.3389% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2778% | 1,489 |
| Memoranda: | ||
| Average total assets | $254,248,333 | 2,667 |
| Average earning assets | $241,237,333 | 2,631 |
| Average equity | $9,957,333 | 3,750 |
| Average total loans | $147,662,667 | 2,697 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 3,615 |
| Cost of funding earning assets | 1.3655% | 1,105 |
| Net interest margin | 2.5644% | 4,244 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 2.3400% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8416% | 3,048 |
| Return on assets (ROA) | 0.8416% | 3,006 |
| Pretax return on assets | 0.8416% | 3,361 |
| Return on Equity (ROE) | 21.4200% | 627 |
| Retained earnings to average equity (ytd only) | 4.9427% | 3,033 |
| Net charge-offs to loans | 0.0276% | 1,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 53.3000% | 1,080 |
| Efficiency ratio | 73.3995% | 1,399 |
| Assets per employee ($millions) | 5.0557% | 3,622 |
| Cash dividends to net income (ytd only)* | 76.9231% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 1,804 |
| Loan loss allowance to noncurrent loans | 384.4055% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 2,125 |
| Noncurrent loans to loans | 0.3521% | 1,883 |
| Net loans and leases to total assets | 56.8600% | 2,970 |
| Net loans and leases to deposits | 73.9829% | 2,296 |
| Net loans and leases to core deposits | 79.4853% | 2,288 |
| Total domestic deposits to total assets | 76.8600% | 4,093 |
| Equity capital to assets | 4.0354% | 4,540 |
| Core capital (leverage) ratio | 8.2026% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6978% | 1,442 |
| Memoranda: | ||
| Average total assets | $253,335,500 | 2,709 |
| Average earning assets | $240,212,500 | 2,669 |
| Average equity | $9,954,000 | 3,793 |
| Average total loans | $145,173,000 | 2,750 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 2,573 |
| Cost of funding earning assets | 0.6765% | 652 |
| Net interest margin | 3.0071% | 3,434 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.2708% | 2,831 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1845% | 1,837 |
| Return on assets (ROA) | 1.1845% | 1,767 |
| Pretax return on assets | 1.2368% | 2,319 |
| Return on Equity (ROE) | 23.4000% | 260 |
| Retained earnings to average equity (ytd only) | 10.7809% | 938 |
| Net charge-offs to loans | -0.0022% | 3,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.1307% | 2,472 |
| Assets per employee ($millions) | 4.8824% | 3,762 |
| Cash dividends to net income (ytd only)* | 53.9265% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 3,324 |
| Loan loss allowance to noncurrent loans | 309.3418% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 2,256 |
| Noncurrent loans to loans | 0.3256% | 1,983 |
| Net loans and leases to total assets | 56.4000% | 2,986 |
| Net loans and leases to deposits | 73.9918% | 2,260 |
| Net loans and leases to core deposits | 78.0991% | 2,266 |
| Total domestic deposits to total assets | 76.2200% | 4,242 |
| Equity capital to assets | 3.8234% | 4,538 |
| Core capital (leverage) ratio | 8.5612% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9132% | 1,387 |
| Memoranda: | ||
| Average total assets | $250,483,800 | 2,728 |
| Average earning assets | $233,249,400 | 2,715 |
| Average equity | $12,679,800 | 3,602 |
| Average total loans | $137,283,400 | 2,759 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6548% | 2,185 |
| Cost of funding earning assets | 0.4244% | 1,126 |
| Net interest margin | 3.2305% | 2,529 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.2726% | 2,712 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3609% | 1,191 |
| Return on assets (ROA) | 1.3609% | 1,162 |
| Pretax return on assets | 1.4196% | 1,663 |
| Return on Equity (ROE) | 25.3100% | 178 |
| Retained earnings to average equity (ytd only) | 13.3896% | 559 |
| Net charge-offs to loans | -0.0020% | 3,263 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.9945% | 2,974 |
| Assets per employee ($millions) | 4.9260% | 3,741 |
| Cash dividends to net income (ytd only)* | 47.0958% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 3,493 |
| Loan loss allowance to noncurrent loans | 364.8101% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 2,495 |
| Noncurrent loans to loans | 0.2738% | 2,278 |
| Net loans and leases to total assets | 57.9900% | 2,700 |
| Net loans and leases to deposits | 77.8175% | 1,728 |
| Net loans and leases to core deposits | 81.7524% | 1,781 |
| Total domestic deposits to total assets | 74.5300% | 4,437 |
| Equity capital to assets | 2.6025% | 4,619 |
| Core capital (leverage) ratio | 8.3700% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6399% | 1,520 |
| Memoranda: | ||
| Average total assets | $249,633,250 | 2,750 |
| Average earning assets | $231,540,500 | 2,744 |
| Average equity | $13,423,000 | 3,567 |
| Average total loans | $135,444,250 | 2,778 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6053% | 1,833 |
| Cost of funding earning assets | 0.2883% | 1,816 |
| Net interest margin | 3.3171% | 1,861 |
| Noninterest income to average assets | 0.7051% | 1,314 |
| Noninterest expense to average assets | 2.2334% | 2,755 |
| Loan and lease loss provision to assets | 0.0239% | 2,168 |
| Net operating income to assets | 1.4429% | 810 |
| Return on assets (ROA) | 1.4429% | 792 |
| Pretax return on assets | 1.5043% | 1,153 |
| Return on Equity (ROE) | 22.9559% | 165 |
| Retained earnings to average equity (ytd only) | 12.8040% | 492 |
| Net charge-offs to loans | -0.0060% | 3,405 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2239% | 3,410 |
| Assets per employee ($millions) | 4.8086% | 3,841 |
| Cash dividends to net income (ytd only)* | 44.2233% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,482 |
| Loan loss allowance to noncurrent loans | 538.8679% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 2,968 |
| Noncurrent loans to loans | 0.1906% | 2,752 |
| Net loans and leases to total assets | 55.0209% | 2,858 |
| Net loans and leases to deposits | 70.5445% | 2,151 |
| Net loans and leases to core deposits | 73.8817% | 2,183 |
| Total domestic deposits to total assets | 77.9945% | 4,351 |
| Equity capital to assets | 4.5987% | 4,548 |
| Core capital (leverage) ratio | 8.3540% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9791% | 1,437 |
| Memoranda: | ||
| Average total assets | $250,744,000 | 2,771 |
| Average earning assets | $231,046,000 | 2,786 |
| Average equity | $15,760,667 | 3,426 |
| Average total loans | $132,498,333 | 2,822 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5263% | 1,719 |
| Cost of funding earning assets | 0.2391% | 2,277 |
| Net interest margin | 3.2872% | 1,597 |
| Noninterest income to average assets | 0.7073% | 1,293 |
| Noninterest expense to average assets | 2.2350% | 2,732 |
| Loan and lease loss provision to assets | 0.0239% | 1,929 |
| Net operating income to assets | 1.3716% | 852 |
| Return on assets (ROA) | 1.3716% | 845 |
| Pretax return on assets | 1.4274% | 1,185 |
| Return on Equity (ROE) | 19.2494% | 259 |
| Retained earnings to average equity (ytd only) | 10.3066% | 947 |
| Net charge-offs to loans | -0.0062% | 3,410 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4581% | 3,440 |
| Assets per employee ($millions) | 4.7480% | 3,967 |
| Cash dividends to net income (ytd only)* | 46.4576% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 3,378 |
| Loan loss allowance to noncurrent loans | 3,067.3913% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 3,871 |
| Noncurrent loans to loans | 0.0355% | 3,732 |
| Net loans and leases to total assets | 51.9490% | 2,991 |
| Net loans and leases to deposits | 64.9783% | 2,436 |
| Net loans and leases to core deposits | 68.1969% | 2,438 |
| Total domestic deposits to total assets | 79.9482% | 4,294 |
| Equity capital to assets | 5.9150% | 4,603 |
| Core capital (leverage) ratio | 8.0278% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0798% | 1,493 |
| Memoranda: | ||
| Average total assets | $251,092,500 | 2,780 |
| Average earning assets | $227,548,500 | 2,829 |
| Average equity | $17,891,500 | 3,336 |
| Average total loans | $129,244,500 | 2,857 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3839% | 2,976 |
| Cost of funding earning assets | 0.3616% | 1,843 |
| Net interest margin | 3.0223% | 3,140 |
| Noninterest income to average assets | 0.7133% | 1,720 |
| Noninterest expense to average assets | 2.1728% | 3,166 |
| Loan and lease loss provision to assets | 0.0250% | 2,564 |
| Net operating income to assets | 1.2268% | 1,830 |
| Return on assets (ROA) | 1.2284% | 1,875 |
| Pretax return on assets | 1.2818% | 2,412 |
| Return on Equity (ROE) | 13.8349% | 1,233 |
| Retained earnings to average equity (ytd only) | 6.3185% | 2,218 |
| Net charge-offs to loans | 0.0132% | 2,067 |
| Credit loss provision to net charge-offs | 375.0000% | 945 |
| Earnings coverage of net charge-offs (x) | 195.5625% | 554 |
| Efficiency ratio | 62.2811% | 2,827 |
| Assets per employee ($millions) | 4.8168% | 3,869 |
| Cash dividends to net income (ytd only)* | 54.3294% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,429 |
| Loan loss allowance to noncurrent loans | 2,080.5970% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 3,866 |
| Noncurrent loans to loans | 0.0520% | 3,706 |
| Net loans and leases to total assets | 49.9136% | 3,287 |
| Net loans and leases to deposits | 64.1650% | 2,673 |
| Net loans and leases to core deposits | 66.6503% | 2,764 |
| Total domestic deposits to total assets | 77.7895% | 4,416 |
| Equity capital to assets | 8.2961% | 4,180 |
| Core capital (leverage) ratio | 8.2704% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3493% | 2,103 |
| Memoranda: | ||
| Average total assets | $239,734,400 | 2,794 |
| Average earning assets | $219,304,000 | 2,815 |
| Average equity | $21,286,800 | 3,114 |
| Average total loans | $121,321,400 | 2,941 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3628% | 3,212 |
| Cost of funding earning assets | 0.3613% | 2,006 |
| Net interest margin | 3.0014% | 3,299 |
| Noninterest income to average assets | 0.7123% | 1,784 |
| Noninterest expense to average assets | 2.1754% | 3,154 |
| Loan and lease loss provision to assets | 0.0254% | 2,487 |
| Net operating income to assets | 1.2331% | 2,050 |
| Return on assets (ROA) | 1.2352% | 2,105 |
| Pretax return on assets | 1.2889% | 2,647 |
| Return on Equity (ROE) | 13.6685% | 1,492 |
| Retained earnings to average equity (ytd only) | 6.1618% | 2,757 |
| Net charge-offs to loans | 0.0201% | 1,647 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 128.9444% | 743 |
| Efficiency ratio | 62.1819% | 2,664 |
| Assets per employee ($millions) | 4.2621% | 4,293 |
| Cash dividends to net income (ytd only)* | 54.9199% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,377 |
| Loan loss allowance to noncurrent loans | 1,967.1429% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 3,972 |
| Noncurrent loans to loans | 0.0566% | 3,822 |
| Net loans and leases to total assets | 52.1594% | 3,179 |
| Net loans and leases to deposits | 69.3443% | 2,299 |
| Net loans and leases to core deposits | 72.9600% | 2,320 |
| Total domestic deposits to total assets | 75.2180% | 4,590 |
| Equity capital to assets | 9.0757% | 3,762 |
| Core capital (leverage) ratio | 8.0612% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2453% | 1,553 |
| Memoranda: | ||
| Average total assets | $235,845,750 | 2,843 |
| Average earning assets | $218,067,750 | 2,851 |
| Average equity | $21,313,750 | 3,143 |
| Average total loans | $119,447,250 | 2,997 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2938% | 3,443 |
| Cost of funding earning assets | 0.3547% | 2,273 |
| Net interest margin | 2.9390% | 3,477 |
| Noninterest income to average assets | 0.6906% | 1,848 |
| Noninterest expense to average assets | 2.1344% | 3,287 |
| Loan and lease loss provision to assets | 0.0254% | 2,466 |
| Net operating income to assets | 1.1867% | 2,240 |
| Return on assets (ROA) | 1.1899% | 2,293 |
| Pretax return on assets | 1.2407% | 2,799 |
| Return on Equity (ROE) | 13.1854% | 1,652 |
| Retained earnings to average equity (ytd only) | 5.6830% | 2,926 |
| Net charge-offs to loans | 0.0339% | 1,310 |
| Credit loss provision to net charge-offs | 150.0000% | 1,162 |
| Earnings coverage of net charge-offs (x) | 74.6000% | 871 |
| Efficiency ratio | 62.6308% | 2,644 |
| Assets per employee ($millions) | 4.6845% | 3,947 |
| Cash dividends to net income (ytd only)* | 56.8990% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 3,468 |
| Loan loss allowance to noncurrent loans | 1,295.2381% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 3,955 |
| Noncurrent loans to loans | 0.0840% | 3,767 |
| Net loans and leases to total assets | 52.7943% | 3,274 |
| Net loans and leases to deposits | 70.1373% | 2,394 |
| Net loans and leases to core deposits | 73.8895% | 2,419 |
| Total domestic deposits to total assets | 75.2728% | 4,602 |
| Equity capital to assets | 9.0089% | 3,785 |
| Core capital (leverage) ratio | 7.8340% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1379% | 1,586 |
| Memoranda: | ||
| Average total assets | $236,322,333 | 2,835 |
| Average earning assets | $217,621,667 | 2,851 |
| Average equity | $21,326,667 | 3,143 |
| Average total loans | $118,047,333 | 3,024 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1740% | 3,730 |
| Cost of funding earning assets | 0.3185% | 2,809 |
| Net interest margin | 2.8555% | 3,626 |
| Noninterest income to average assets | 0.6639% | 1,984 |
| Noninterest expense to average assets | 2.1334% | 3,316 |
| Loan and lease loss provision to assets | 0.0253% | 2,454 |
| Net operating income to assets | 1.0549% | 2,618 |
| Return on assets (ROA) | 1.0549% | 2,700 |
| Pretax return on assets | 1.1038% | 3,103 |
| Return on Equity (ROE) | 11.6794% | 2,135 |
| Retained earnings to average equity (ytd only) | 4.2165% | 3,442 |
| Net charge-offs to loans | 0.0733% | 833 |
| Credit loss provision to net charge-offs | 71.4286% | 1,241 |
| Earnings coverage of net charge-offs (x) | 31.9048% | 1,072 |
| Efficiency ratio | 65.1860% | 2,339 |
| Assets per employee ($millions) | 4.6815% | 3,946 |
| Cash dividends to net income (ytd only)* | 63.8978% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 3,155 |
| Loan loss allowance to noncurrent loans | 973.9130% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 3,638 |
| Noncurrent loans to loans | 0.1188% | 3,719 |
| Net loans and leases to total assets | 48.0792% | 3,809 |
| Net loans and leases to deposits | 64.9351% | 3,031 |
| Net loans and leases to core deposits | 69.4356% | 2,911 |
| Total domestic deposits to total assets | 74.0419% | 4,670 |
| Equity capital to assets | 8.7764% | 3,889 |
| Core capital (leverage) ratio | 7.7968% | 4,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0202% | 1,563 |
| Memoranda: | ||
| Average total assets | $237,371,500 | 2,816 |
| Average earning assets | $216,006,500 | 2,846 |
| Average equity | $21,439,500 | 3,122 |
| Average total loans | $114,562,500 | 3,068 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 3,381 |
| Cost of funding earning assets | 0.6324% | 2,104 |
| Net interest margin | 3.1406% | 3,519 |
| Noninterest income to average assets | 0.6667% | 1,962 |
| Noninterest expense to average assets | 2.2937% | 3,416 |
| Loan and lease loss provision to assets | 0.0274% | 4,062 |
| Net operating income to assets | 1.1783% | 1,619 |
| Return on assets (ROA) | 1.1783% | 1,731 |
| Pretax return on assets | 1.2285% | 2,231 |
| Return on Equity (ROE) | 12.1588% | 1,280 |
| Retained earnings to average equity (ytd only) | 4.6243% | 2,466 |
| Net charge-offs to loans | 0.0143% | 2,838 |
| Credit loss provision to net charge-offs | 375.0000% | 1,507 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 516 |
| Efficiency ratio | 64.3867% | 2,754 |
| Assets per employee ($millions) | 4.3702% | 4,042 |
| Cash dividends to net income (ytd only)* | 61.9675% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,979 |
| Loan loss allowance to noncurrent loans | 410.3343% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 3,598 |
| Noncurrent loans to loans | 0.2912% | 3,153 |
| Net loans and leases to total assets | 47.3073% | 4,025 |
| Net loans and leases to deposits | 64.5292% | 3,399 |
| Net loans and leases to core deposits | 68.8227% | 3,344 |
| Total domestic deposits to total assets | 73.3115% | 4,666 |
| Equity capital to assets | 9.2907% | 3,796 |
| Core capital (leverage) ratio | 8.1575% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,126,000 | 2,801 |
| Average earning assets | $201,143,000 | 2,814 |
| Average equity | $21,235,600 | 3,077 |
| Average total loans | $112,107,800 | 3,067 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 3,286 |
| Cost of funding earning assets | 0.6235% | 2,472 |
| Net interest margin | 3.2653% | 3,296 |
| Noninterest income to average assets | 0.6694% | 1,909 |
| Noninterest expense to average assets | 2.3445% | 3,300 |
| Loan and lease loss provision to assets | 0.0279% | 3,984 |
| Net operating income to assets | 1.2718% | 1,419 |
| Return on assets (ROA) | 1.2718% | 1,531 |
| Pretax return on assets | 1.3283% | 1,941 |
| Return on Equity (ROE) | 12.9765% | 1,118 |
| Retained earnings to average equity (ytd only) | 5.3805% | 2,389 |
| Net charge-offs to loans | 0.0083% | 2,813 |
| Credit loss provision to net charge-offs | 642.8571% | 1,125 |
| Earnings coverage of net charge-offs (x) | 312.2857% | 345 |
| Efficiency ratio | 63.1350% | 2,893 |
| Assets per employee ($millions) | 4.1287% | 4,214 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 3,065 |
| Loan loss allowance to noncurrent loans | 381.0198% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 3,613 |
| Noncurrent loans to loans | 0.2953% | 3,220 |
| Net loans and leases to total assets | 54.0182% | 3,804 |
| Net loans and leases to deposits | 77.0231% | 2,648 |
| Net loans and leases to core deposits | 83.0268% | 2,581 |
| Total domestic deposits to total assets | 70.1324% | 4,752 |
| Equity capital to assets | 10.0663% | 3,171 |
| Core capital (leverage) ratio | 8.1862% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,910,250 | 2,814 |
| Average earning assets | $199,505,000 | 2,812 |
| Average equity | $21,063,250 | 3,089 |
| Average total loans | $111,887,250 | 3,080 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8986% | 3,623 |
| Cost of funding earning assets | 0.7294% | 2,241 |
| Net interest margin | 3.1692% | 3,747 |
| Noninterest income to average assets | 0.6704% | 1,855 |
| Noninterest expense to average assets | 2.3492% | 3,402 |
| Loan and lease loss provision to assets | 0.0281% | 3,903 |
| Net operating income to assets | 1.1863% | 1,679 |
| Return on assets (ROA) | 1.1863% | 1,813 |
| Pretax return on assets | 1.2303% | 2,259 |
| Return on Equity (ROE) | 12.2168% | 1,281 |
| Retained earnings to average equity (ytd only) | 4.5029% | 2,704 |
| Net charge-offs to loans | 0.0128% | 2,509 |
| Credit loss provision to net charge-offs | 428.5714% | 1,343 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 470 |
| Efficiency ratio | 64.8845% | 2,679 |
| Assets per employee ($millions) | 4.2883% | 4,016 |
| Cash dividends to net income (ytd only)* | 63.1413% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 2,806 |
| Loan loss allowance to noncurrent loans | 339.8977% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 3,657 |
| Noncurrent loans to loans | 0.3369% | 3,186 |
| Net loans and leases to total assets | 51.4539% | 4,065 |
| Net loans and leases to deposits | 73.7307% | 3,101 |
| Net loans and leases to core deposits | 76.1045% | 3,276 |
| Total domestic deposits to total assets | 69.7862% | 4,793 |
| Equity capital to assets | 9.6595% | 3,516 |
| Core capital (leverage) ratio | 8.0764% | 4,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,607,333 | 2,804 |
| Average earning assets | $197,968,667 | 2,799 |
| Average equity | $20,742,000 | 3,108 |
| Average total loans | $109,334,000 | 3,111 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,790 |
| Cost of funding earning assets | 0.8253% | 2,246 |
| Net interest margin | 3.1734% | 3,923 |
| Noninterest income to average assets | 0.7161% | 1,584 |
| Noninterest expense to average assets | 2.4220% | 3,489 |
| Loan and lease loss provision to assets | 0.0287% | 3,430 |
| Net operating income to assets | 1.1718% | 1,613 |
| Return on assets (ROA) | 1.1718% | 1,730 |
| Pretax return on assets | 1.2101% | 2,159 |
| Return on Equity (ROE) | 12.0336% | 1,096 |
| Retained earnings to average equity (ytd only) | 4.1685% | 2,617 |
| Net charge-offs to loans | 0.0377% | 1,664 |
| Credit loss provision to net charge-offs | 150.0000% | 1,583 |
| Earnings coverage of net charge-offs (x) | 64.7000% | 768 |
| Efficiency ratio | 65.9519% | 2,969 |
| Assets per employee ($millions) | 4.0854% | 3,806 |
| Cash dividends to net income (ytd only)* | 65.3595% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,499 |
| Loan loss allowance to noncurrent loans | 142.6551% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 2,696 |
| Noncurrent loans to loans | 0.8639% | 1,888 |
| Net loans and leases to total assets | 50.4243% | 4,221 |
| Net loans and leases to deposits | 72.0160% | 3,429 |
| Net loans and leases to core deposits | 78.1857% | 3,343 |
| Total domestic deposits to total assets | 70.0181% | 4,854 |
| Equity capital to assets | 10.2267% | 3,576 |
| Core capital (leverage) ratio | 8.5169% | 4,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6371% | 1,434 |
| Memoranda: | ||
| Average total assets | $208,914,000 | 2,797 |
| Average earning assets | $193,858,500 | 2,793 |
| Average equity | $20,343,000 | 3,137 |
| Average total loans | $105,967,000 | 3,142 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 3,795 |
| Cost of funding earning assets | 1.0727% | 1,424 |
| Net interest margin | 3.1362% | 4,312 |
| Noninterest income to average assets | 0.7602% | 1,585 |
| Noninterest expense to average assets | 2.4841% | 3,495 |
| Loan and lease loss provision to assets | 0.0733% | 2,536 |
| Net operating income to assets | 1.0782% | 2,532 |
| Return on assets (ROA) | 1.0948% | 2,566 |
| Pretax return on assets | 1.1470% | 3,019 |
| Return on Equity (ROE) | 11.5479% | 1,669 |
| Retained earnings to average equity (ytd only) | 2.9018% | 3,577 |
| Net charge-offs to loans | 0.0429% | 2,533 |
| Credit loss provision to net charge-offs | 317.7778% | 872 |
| Earnings coverage of net charge-offs (x) | 52.1778% | 1,097 |
| Efficiency ratio | 67.1113% | 2,602 |
| Assets per employee ($millions) | 4.1073% | 3,764 |
| Cash dividends to net income (ytd only)* | 74.8713% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 2,239 |
| Loan loss allowance to noncurrent loans | 281.0753% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 3,564 |
| Noncurrent loans to loans | 0.4405% | 2,866 |
| Net loans and leases to total assets | 49.7699% | 4,335 |
| Net loans and leases to deposits | 70.0387% | 3,669 |
| Net loans and leases to core deposits | 74.1562% | 3,709 |
| Total domestic deposits to total assets | 71.0606% | 4,893 |
| Equity capital to assets | 9.2509% | 4,529 |
| Core capital (leverage) ratio | 8.8460% | 4,641 |
| Tier 1 risk-based capital ratio | 15.2815% | 2,664 |
| Total risk-based capital ratio | 16.4426% | 2,636 |
| Memoranda: | ||
| Average total assets | $195,200,600 | 2,878 |
| Average earning assets | $182,162,200 | 2,864 |
| Average equity | $18,505,600 | 3,277 |
| Average total loans | $104,926,000 | 3,153 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 3,821 |
| Cost of funding earning assets | 1.0533% | 1,523 |
| Net interest margin | 3.1905% | 4,318 |
| Noninterest income to average assets | 0.7605% | 1,560 |
| Noninterest expense to average assets | 2.5980% | 3,171 |
| Loan and lease loss provision to assets | 0.0404% | 3,101 |
| Net operating income to assets | 1.0578% | 2,745 |
| Return on assets (ROA) | 1.0798% | 2,745 |
| Pretax return on assets | 1.1292% | 3,208 |
| Return on Equity (ROE) | 11.3153% | 1,888 |
| Retained earnings to average equity (ytd only) | 2.5663% | 4,065 |
| Net charge-offs to loans | 0.0420% | 2,253 |
| Credit loss provision to net charge-offs | 175.7576% | 1,452 |
| Earnings coverage of net charge-offs (x) | 49.9382% | 1,192 |
| Efficiency ratio | 69.1193% | 2,241 |
| Assets per employee ($millions) | 3.6123% | 4,376 |
| Cash dividends to net income (ytd only)* | 77.3196% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 2,794 |
| Loan loss allowance to noncurrent loans | 314.7959% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 3,720 |
| Noncurrent loans to loans | 0.3640% | 3,247 |
| Net loans and leases to total assets | 55.6048% | 4,070 |
| Net loans and leases to deposits | 80.8893% | 2,811 |
| Net loans and leases to core deposits | 86.9987% | 2,818 |
| Total domestic deposits to total assets | 68.7419% | 5,042 |
| Equity capital to assets | 10.0433% | 3,974 |
| Core capital (leverage) ratio | 8.9555% | 4,669 |
| Tier 1 risk-based capital ratio | 15.5010% | 2,641 |
| Total risk-based capital ratio | 16.6255% | 2,612 |
| Memoranda: | ||
| Average total assets | $191,632,750 | 2,931 |
| Average earning assets | $179,237,750 | 2,914 |
| Average equity | $18,287,500 | 3,325 |
| Average total loans | $104,767,250 | 3,197 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 3,834 |
| Cost of funding earning assets | 1.0121% | 1,633 |
| Net interest margin | 3.2216% | 4,312 |
| Noninterest income to average assets | 0.6959% | 1,733 |
| Noninterest expense to average assets | 2.5603% | 3,302 |
| Loan and lease loss provision to assets | 0.0417% | 2,982 |
| Net operating income to assets | 1.0579% | 2,688 |
| Return on assets (ROA) | 1.0579% | 2,752 |
| Pretax return on assets | 1.1059% | 3,219 |
| Return on Equity (ROE) | 11.2830% | 1,879 |
| Retained earnings to average equity (ytd only) | 2.3812% | 3,990 |
| Net charge-offs to loans | 0.0096% | 2,787 |
| Credit loss provision to net charge-offs | 800.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 364 |
| Efficiency ratio | 68.7676% | 2,406 |
| Assets per employee ($millions) | 3.7805% | 4,152 |
| Cash dividends to net income (ytd only)* | 78.8955% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 2,677 |
| Loan loss allowance to noncurrent loans | 324.2188% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 3,751 |
| Noncurrent loans to loans | 0.3604% | 3,247 |
| Net loans and leases to total assets | 54.6236% | 4,171 |
| Net loans and leases to deposits | 79.2054% | 3,037 |
| Net loans and leases to core deposits | 86.0820% | 2,953 |
| Total domestic deposits to total assets | 68.9645% | 5,074 |
| Equity capital to assets | 9.7155% | 4,219 |
| Core capital (leverage) ratio | 8.9616% | 4,656 |
| Tier 1 risk-based capital ratio | 15.5302% | 2,617 |
| Total risk-based capital ratio | 16.6765% | 2,577 |
| Memoranda: | ||
| Average total assets | $191,693,330 | 2,945 |
| Average earning assets | $179,225,330 | 2,925 |
| Average equity | $17,974,000 | 3,355 |
| Average total loans | $103,793,000 | 3,228 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1750% | 3,947 |
| Cost of funding earning assets | 0.9290% | 1,885 |
| Net interest margin | 3.2460% | 4,291 |
| Noninterest income to average assets | 0.6801% | 1,685 |
| Noninterest expense to average assets | 2.6306% | 3,119 |
| Loan and lease loss provision to assets | 0.0460% | 2,726 |
| Net operating income to assets | 0.9815% | 2,919 |
| Return on assets (ROA) | 0.9815% | 2,962 |
| Pretax return on assets | 1.0233% | 3,371 |
| Return on Equity (ROE) | 10.6621% | 2,095 |
| Retained earnings to average equity (ytd only) | 1.5686% | 4,180 |
| Net charge-offs to loans | -0.0039% | 3,966 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8145% | 2,220 |
| Assets per employee ($millions) | 3.7415% | 4,288 |
| Cash dividends to net income (ytd only)* | 85.2878% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,466 |
| Loan loss allowance to noncurrent loans | 273.7778% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 3,646 |
| Noncurrent loans to loans | 0.4464% | 2,987 |
| Net loans and leases to total assets | 52.1872% | 4,324 |
| Net loans and leases to deposits | 70.5285% | 3,733 |
| Net loans and leases to core deposits | 77.6783% | 3,539 |
| Total domestic deposits to total assets | 73.9945% | 4,934 |
| Equity capital to assets | 9.5144% | 4,245 |
| Core capital (leverage) ratio | 8.9058% | 4,716 |
| Tier 1 risk-based capital ratio | 15.9803% | 2,449 |
| Total risk-based capital ratio | 17.1580% | 2,413 |
| Memoranda: | ||
| Average total assets | $191,137,500 | 2,985 |
| Average earning assets | $177,819,000 | 2,972 |
| Average equity | $17,595,000 | 3,399 |
| Average total loans | $102,408,500 | 3,282 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 3,625 |
| Cost of funding earning assets | 0.8487% | 1,312 |
| Net interest margin | 3.2900% | 4,279 |
| Noninterest income to average assets | 0.6966% | 1,865 |
| Noninterest expense to average assets | 2.5263% | 3,536 |
| Loan and lease loss provision to assets | 0.0445% | 3,294 |
| Net operating income to assets | 1.1401% | 2,430 |
| Return on assets (ROA) | 1.1401% | 2,432 |
| Pretax return on assets | 1.1856% | 2,930 |
| Return on Equity (ROE) | 12.8125% | 1,417 |
| Retained earnings to average equity (ytd only) | 3.2905% | 3,761 |
| Net charge-offs to loans | -0.0010% | 4,184 |
| Credit loss provision to net charge-offs | -8,300.0000% | 4,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9522% | 2,722 |
| Assets per employee ($millions) | 3.7541% | 4,236 |
| Cash dividends to net income (ytd only)* | 74.3180% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 2,757 |
| Loan loss allowance to noncurrent loans | 263.3987% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 3,611 |
| Noncurrent loans to loans | 0.4413% | 2,961 |
| Net loans and leases to total assets | 53.6901% | 4,305 |
| Net loans and leases to deposits | 71.9690% | 3,673 |
| Net loans and leases to core deposits | 79.2723% | 3,478 |
| Total domestic deposits to total assets | 74.6017% | 4,907 |
| Equity capital to assets | 8.8975% | 4,658 |
| Core capital (leverage) ratio | 9.1311% | 4,529 |
| Tier 1 risk-based capital ratio | 16.7423% | 2,154 |
| Total risk-based capital ratio | 17.9584% | 2,115 |
| Memoranda: | ||
| Average total assets | $186,480,000 | 2,993 |
| Average earning assets | $173,434,600 | 2,990 |
| Average equity | $16,593,200 | 3,450 |
| Average total loans | $103,856,600 | 3,234 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0983% | 3,635 |
| Cost of funding earning assets | 0.7536% | 1,568 |
| Net interest margin | 3.3446% | 4,169 |
| Noninterest income to average assets | 0.6788% | 1,946 |
| Noninterest expense to average assets | 2.5905% | 3,310 |
| Loan and lease loss provision to assets | 0.0417% | 3,159 |
| Net operating income to assets | 1.1085% | 2,626 |
| Return on assets (ROA) | 1.1085% | 2,637 |
| Pretax return on assets | 1.1610% | 3,155 |
| Return on Equity (ROE) | 12.4571% | 1,618 |
| Retained earnings to average equity (ytd only) | 2.8716% | 4,284 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9886% | 2,541 |
| Assets per employee ($millions) | 3.5892% | 4,449 |
| Cash dividends to net income (ytd only)* | 76.9481% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,105 |
| Loan loss allowance to noncurrent loans | 232.8740% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 3,534 |
| Noncurrent loans to loans | 0.4789% | 2,951 |
| Net loans and leases to total assets | 57.3011% | 4,104 |
| Net loans and leases to deposits | 77.9211% | 3,246 |
| Net loans and leases to core deposits | 87.8128% | 2,854 |
| Total domestic deposits to total assets | 73.5374% | 5,019 |
| Equity capital to assets | 8.6633% | 4,820 |
| Core capital (leverage) ratio | 9.0822% | 4,629 |
| Tier 1 risk-based capital ratio | 16.8937% | 2,138 |
| Total risk-based capital ratio | 18.1087% | 2,104 |
| Memoranda: | ||
| Average total assets | $185,235,500 | 3,026 |
| Average earning assets | $172,491,750 | 3,021 |
| Average equity | $16,482,750 | 3,488 |
| Average total loans | $103,820,000 | 3,261 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0337% | 3,671 |
| Cost of funding earning assets | 0.6843% | 1,716 |
| Net interest margin | 3.3495% | 4,109 |
| Noninterest income to average assets | 0.6625% | 2,041 |
| Noninterest expense to average assets | 2.5456% | 3,498 |
| Loan and lease loss provision to assets | 0.0409% | 3,091 |
| Net operating income to assets | 1.1260% | 2,496 |
| Return on assets (ROA) | 1.1260% | 2,499 |
| Pretax return on assets | 1.1819% | 3,002 |
| Return on Equity (ROE) | 12.5457% | 1,530 |
| Retained earnings to average equity (ytd only) | 3.0795% | 4,023 |
| Net charge-offs to loans | -0.0039% | 4,046 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2660% | 2,769 |
| Assets per employee ($millions) | 3.5221% | 4,564 |
| Cash dividends to net income (ytd only)* | 75.4537% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,220 |
| Loan loss allowance to noncurrent loans | 164.7808% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 3,150 |
| Noncurrent loans to loans | 0.6718% | 2,428 |
| Net loans and leases to total assets | 56.8259% | 4,096 |
| Net loans and leases to deposits | 75.2571% | 3,418 |
| Net loans and leases to core deposits | 88.3288% | 2,691 |
| Total domestic deposits to total assets | 75.5090% | 4,905 |
| Equity capital to assets | 8.8971% | 4,646 |
| Core capital (leverage) ratio | 9.0219% | 4,672 |
| Tier 1 risk-based capital ratio | 15.5770% | 2,601 |
| Total risk-based capital ratio | 16.6873% | 2,598 |
| Memoranda: | ||
| Average total assets | $185,965,000 | 3,035 |
| Average earning assets | $172,445,670 | 3,037 |
| Average equity | $16,691,000 | 3,478 |
| Average total loans | $103,069,670 | 3,284 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9520% | 3,779 |
| Cost of funding earning assets | 0.6130% | 1,957 |
| Net interest margin | 3.3390% | 4,080 |
| Noninterest income to average assets | 0.6746% | 1,936 |
| Noninterest expense to average assets | 2.5276% | 3,566 |
| Loan and lease loss provision to assets | 0.0427% | 2,904 |
| Net operating income to assets | 1.1314% | 2,282 |
| Return on assets (ROA) | 1.1314% | 2,300 |
| Pretax return on assets | 1.1741% | 2,874 |
| Return on Equity (ROE) | 12.5525% | 1,395 |
| Retained earnings to average equity (ytd only) | 3.1973% | 3,928 |
| Net charge-offs to loans | -0.0039% | 3,932 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2178% | 2,965 |
| Assets per employee ($millions) | 3.7800% | 4,310 |
| Cash dividends to net income (ytd only)* | 74.5283% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 3,144 |
| Loan loss allowance to noncurrent loans | 125.2459% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 2,386 |
| Noncurrent loans to loans | 0.9100% | 1,998 |
| Net loans and leases to total assets | 53.6689% | 4,315 |
| Net loans and leases to deposits | 69.0135% | 3,872 |
| Net loans and leases to core deposits | 80.3221% | 3,299 |
| Total domestic deposits to total assets | 77.7658% | 4,757 |
| Equity capital to assets | 8.8409% | 4,712 |
| Core capital (leverage) ratio | 8.7918% | 4,902 |
| Tier 1 risk-based capital ratio | 16.1798% | 2,398 |
| Total risk-based capital ratio | 17.3231% | 2,386 |
| Memoranda: | ||
| Average total assets | $187,373,000 | 3,061 |
| Average earning assets | $172,267,500 | 3,071 |
| Average equity | $16,889,000 | 3,487 |
| Average total loans | $101,984,000 | 3,326 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0485% | 3,250 |
| Cost of funding earning assets | 0.5737% | 1,790 |
| Net interest margin | 3.4748% | 3,609 |
| Noninterest income to average assets | 0.5718% | 2,599 |
| Noninterest expense to average assets | 2.5058% | 3,764 |
| Loan and lease loss provision to assets | 0.0691% | 2,821 |
| Net operating income to assets | 1.1430% | 1,702 |
| Return on assets (ROA) | 1.1441% | 1,737 |
| Pretax return on assets | 1.1909% | 2,809 |
| Return on Equity (ROE) | 12.1489% | 1,171 |
| Retained earnings to average equity (ytd only) | 3.1369% | 3,416 |
| Net charge-offs to loans | 0.0029% | 4,004 |
| Credit loss provision to net charge-offs | 4,233.3333% | 94 |
| Earnings coverage of net charge-offs (x) | 771.3333% | 108 |
| Efficiency ratio | 66.2283% | 3,227 |
| Assets per employee ($millions) | 3.6448% | 4,511 |
| Cash dividends to net income (ytd only)* | 74.1797% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 3,419 |
| Loan loss allowance to noncurrent loans | 147.8318% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 2,768 |
| Noncurrent loans to loans | 0.7359% | 2,368 |
| Net loans and leases to total assets | 53.9723% | 4,371 |
| Net loans and leases to deposits | 69.7406% | 3,901 |
| Net loans and leases to core deposits | 81.4005% | 3,297 |
| Total domestic deposits to total assets | 77.3900% | 4,812 |
| Equity capital to assets | 9.1823% | 4,548 |
| Core capital (leverage) ratio | 9.0031% | 4,649 |
| Tier 1 risk-based capital ratio | 14.2917% | 3,202 |
| Total risk-based capital ratio | 15.2903% | 3,241 |
| Memoranda: | ||
| Average total assets | $183,816,000 | 3,073 |
| Average earning assets | $168,900,400 | 3,092 |
| Average equity | $17,310,200 | 3,457 |
| Average total loans | $101,799,000 | 3,317 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 3,211 |
| Cost of funding earning assets | 0.5189% | 2,117 |
| Net interest margin | 3.5231% | 3,411 |
| Noninterest income to average assets | 0.5322% | 2,827 |
| Noninterest expense to average assets | 2.5761% | 3,481 |
| Loan and lease loss provision to assets | 0.0768% | 2,540 |
| Net operating income to assets | 1.0856% | 2,148 |
| Return on assets (ROA) | 1.0870% | 2,204 |
| Pretax return on assets | 1.1419% | 3,149 |
| Return on Equity (ROE) | 11.4688% | 1,500 |
| Retained earnings to average equity (ytd only) | 2.4450% | 4,428 |
| Net charge-offs to loans | 0.0026% | 3,657 |
| Credit loss provision to net charge-offs | 5,250.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 831.4382% | 125 |
| Efficiency ratio | 67.5853% | 2,950 |
| Assets per employee ($millions) | 3.7124% | 4,432 |
| Cash dividends to net income (ytd only)* | 78.6817% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 3,647 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 2,884 |
| Noncurrent loans to loans | 0.7156% | 2,570 |
| Net loans and leases to total assets | 55.9365% | 4,238 |
| Net loans and leases to deposits | 76.8400% | 3,290 |
| Net loans and leases to core deposits | 88.9900% | 2,692 |
| Total domestic deposits to total assets | 72.7961% | 5,330 |
| Equity capital to assets | 9.8039% | 4,143 |
| Core capital (leverage) ratio | 8.8592% | 4,912 |
| Tier 1 risk-based capital ratio | 15.6685% | 2,644 |
| Total risk-based capital ratio | 16.7576% | 2,657 |
| Memoranda: | ||
| Average total assets | $182,388,250 | 3,115 |
| Average earning assets | $168,823,250 | 3,113 |
| Average equity | $17,287,000 | 3,493 |
| Average total loans | $101,394,500 | 3,358 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 3,018 |
| Cost of funding earning assets | 0.4615% | 2,489 |
| Net interest margin | 3.5862% | 3,089 |
| Noninterest income to average assets | 0.6004% | 2,455 |
| Noninterest expense to average assets | 2.5593% | 3,554 |
| Loan and lease loss provision to assets | 0.0876% | 2,227 |
| Net operating income to assets | 1.2063% | 1,573 |
| Return on assets (ROA) | 1.2063% | 1,607 |
| Pretax return on assets | 1.2567% | 2,547 |
| Return on Equity (ROE) | 12.8737% | 1,072 |
| Retained earnings to average equity (ytd only) | 3.7534% | 3,462 |
| Net charge-offs to loans | 0.0040% | 3,350 |
| Credit loss provision to net charge-offs | 4,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 613.5000% | 127 |
| Efficiency ratio | 65.2540% | 3,466 |
| Assets per employee ($millions) | 3.6097% | 4,562 |
| Cash dividends to net income (ytd only)* | 70.8447% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,831 |
| Loan loss allowance to noncurrent loans | 155.2518% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 2,814 |
| Noncurrent loans to loans | 0.6789% | 2,717 |
| Net loans and leases to total assets | 55.0230% | 4,309 |
| Net loans and leases to deposits | 74.5094% | 3,492 |
| Net loans and leases to core deposits | 84.4110% | 3,025 |
| Total domestic deposits to total assets | 73.8471% | 5,306 |
| Equity capital to assets | 9.7195% | 4,208 |
| Core capital (leverage) ratio | 8.8565% | 4,892 |
| Tier 1 risk-based capital ratio | 15.0429% | 2,905 |
| Total risk-based capital ratio | 16.0657% | 2,934 |
| Memoranda: | ||
| Average total assets | $182,548,330 | 3,128 |
| Average earning assets | $168,146,000 | 3,133 |
| Average equity | $17,104,670 | 3,521 |
| Average total loans | $100,907,000 | 3,383 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 3,193 |
| Cost of funding earning assets | 0.3689% | 3,324 |
| Net interest margin | 3.5857% | 2,935 |
| Noninterest income to average assets | 0.5765% | 2,531 |
| Noninterest expense to average assets | 2.5812% | 3,556 |
| Loan and lease loss provision to assets | 0.0770% | 2,270 |
| Net operating income to assets | 1.1685% | 1,597 |
| Return on assets (ROA) | 1.1685% | 1,639 |
| Pretax return on assets | 1.2125% | 2,544 |
| Return on Equity (ROE) | 12.7106% | 1,061 |
| Retained earnings to average equity (ytd only) | 3.3751% | 3,749 |
| Net charge-offs to loans | 0.0120% | 2,580 |
| Credit loss provision to net charge-offs | 1,166.6667% | 272 |
| Earnings coverage of net charge-offs (x) | 195.3333% | 288 |
| Efficiency ratio | 66.3445% | 3,437 |
| Assets per employee ($millions) | 3.5613% | 4,699 |
| Cash dividends to net income (ytd only)* | 73.4463% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 4,070 |
| Loan loss allowance to noncurrent loans | 59.0961% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.1749% | 1,497 |
| Noncurrent loans to loans | 1.7489% | 1,087 |
| Net loans and leases to total assets | 54.4613% | 4,304 |
| Net loans and leases to deposits | 73.7246% | 3,429 |
| Net loans and leases to core deposits | 82.8402% | 3,008 |
| Total domestic deposits to total assets | 73.8713% | 5,424 |
| Equity capital to assets | 9.4286% | 4,361 |
| Core capital (leverage) ratio | 8.8757% | 4,876 |
| Tier 1 risk-based capital ratio | 15.6437% | 2,697 |
| Total risk-based capital ratio | 16.6715% | 2,722 |
| Memoranda: | ||
| Average total assets | $181,775,500 | 3,167 |
| Average earning assets | $166,996,000 | 3,176 |
| Average equity | $16,710,500 | 3,581 |
| Average total loans | $100,174,000 | 3,417 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 3,151 |
| Cost of funding earning assets | 0.4392% | 2,618 |
| Net interest margin | 3.5734% | 3,173 |
| Noninterest income to average assets | 0.6618% | 2,358 |
| Noninterest expense to average assets | 2.6187% | 3,622 |
| Loan and lease loss provision to assets | 0.1146% | 2,152 |
| Net operating income to assets | 1.1664% | 1,621 |
| Return on assets (ROA) | 1.2370% | 1,475 |
| Pretax return on assets | 1.2900% | 2,314 |
| Return on Equity (ROE) | 12.5055% | 1,113 |
| Retained earnings to average equity (ytd only) | 3.8611% | 3,173 |
| Net charge-offs to loans | 0.0678% | 2,726 |
| Credit loss provision to net charge-offs | 304.5455% | 971 |
| Earnings coverage of net charge-offs (x) | 35.3788% | 1,291 |
| Efficiency ratio | 65.9547% | 3,593 |
| Assets per employee ($millions) | 3.6385% | 4,557 |
| Cash dividends to net income (ytd only)* | 69.1244% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 4,348 |
| Loan loss allowance to noncurrent loans | 267.6471% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 3,489 |
| Noncurrent loans to loans | 0.3725% | 3,788 |
| Net loans and leases to total assets | 54.6369% | 4,379 |
| Net loans and leases to deposits | 71.8373% | 3,728 |
| Net loans and leases to core deposits | 77.1434% | 3,642 |
| Total domestic deposits to total assets | 76.0564% | 5,233 |
| Equity capital to assets | 8.9576% | 4,857 |
| Core capital (leverage) ratio | 9.0263% | 4,710 |
| Tier 1 risk-based capital ratio | 15.5648% | 2,718 |
| Total risk-based capital ratio | 16.5612% | 2,771 |
| Memoranda: | ||
| Average total assets | $175,431,400 | 3,214 |
| Average earning assets | $161,415,800 | 3,214 |
| Average equity | $17,352,400 | 3,505 |
| Average total loans | $97,333,000 | 3,436 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0475% | 3,046 |
| Cost of funding earning assets | 0.4255% | 2,774 |
| Net interest margin | 3.6220% | 2,998 |
| Noninterest income to average assets | 0.6574% | 2,375 |
| Noninterest expense to average assets | 2.6243% | 3,583 |
| Loan and lease loss provision to assets | 0.0959% | 2,306 |
| Net operating income to assets | 1.2285% | 1,526 |
| Return on assets (ROA) | 1.3225% | 1,312 |
| Pretax return on assets | 1.3862% | 2,092 |
| Return on Equity (ROE) | 13.0481% | 1,041 |
| Retained earnings to average equity (ytd only) | 4.5335% | 3,112 |
| Net charge-offs to loans | 0.0842% | 2,123 |
| Credit loss provision to net charge-offs | 204.9180% | 1,417 |
| Earnings coverage of net charge-offs (x) | 29.5579% | 1,504 |
| Efficiency ratio | 65.1417% | 3,739 |
| Assets per employee ($millions) | 3.4370% | 4,859 |
| Cash dividends to net income (ytd only)* | 65.2551% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 4,758 |
| Loan loss allowance to noncurrent loans | 283.5366% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 3,655 |
| Noncurrent loans to loans | 0.3277% | 4,080 |
| Net loans and leases to total assets | 57.7075% | 4,123 |
| Net loans and leases to deposits | 78.8047% | 3,098 |
| Net loans and leases to core deposits | 85.2856% | 3,012 |
| Total domestic deposits to total assets | 73.2286% | 5,502 |
| Equity capital to assets | 10.7366% | 3,326 |
| Core capital (leverage) ratio | 9.2382% | 4,544 |
| Tier 1 risk-based capital ratio | 15.8150% | 2,697 |
| Total risk-based capital ratio | 16.7643% | 2,754 |
| Memoranda: | ||
| Average total assets | $173,808,500 | 3,246 |
| Average earning assets | $160,753,750 | 3,240 |
| Average equity | $17,616,500 | 3,493 |
| Average total loans | $96,566,750 | 3,461 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0466% | 3,079 |
| Cost of funding earning assets | 0.4224% | 2,813 |
| Net interest margin | 3.6243% | 3,002 |
| Noninterest income to average assets | 0.6580% | 2,339 |
| Noninterest expense to average assets | 2.5966% | 3,731 |
| Loan and lease loss provision to assets | 0.1204% | 1,892 |
| Net operating income to assets | 1.2340% | 1,489 |
| Return on assets (ROA) | 1.3745% | 1,179 |
| Pretax return on assets | 1.4433% | 1,862 |
| Return on Equity (ROE) | 13.8306% | 864 |
| Retained earnings to average equity (ytd only) | 5.1793% | 2,615 |
| Net charge-offs to loans | 0.1531% | 1,411 |
| Credit loss provision to net charge-offs | 143.8356% | 1,644 |
| Earnings coverage of net charge-offs (x) | 16.9178% | 1,904 |
| Efficiency ratio | 64.3714% | 3,951 |
| Assets per employee ($millions) | 3.2290% | 5,164 |
| Cash dividends to net income (ytd only)* | 62.5521% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 4,866 |
| Loan loss allowance to noncurrent loans | 349.4163% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 3,896 |
| Noncurrent loans to loans | 0.2648% | 4,413 |
| Net loans and leases to total assets | 56.1816% | 4,290 |
| Net loans and leases to deposits | 73.9558% | 3,601 |
| Net loans and leases to core deposits | 81.1504% | 3,348 |
| Total domestic deposits to total assets | 75.9665% | 5,288 |
| Equity capital to assets | 10.6050% | 3,524 |
| Core capital (leverage) ratio | 8.8545% | 4,992 |
| Tier 1 risk-based capital ratio | 15.8108% | 2,734 |
| Total risk-based capital ratio | 16.7364% | 2,799 |
| Memoranda: | ||
| Average total assets | $174,461,000 | 3,260 |
| Average earning assets | $161,467,670 | 3,252 |
| Average equity | $17,338,330 | 3,536 |
| Average total loans | $95,388,670 | 3,498 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9478% | 3,409 |
| Cost of funding earning assets | 0.3963% | 3,117 |
| Net interest margin | 3.5515% | 3,269 |
| Noninterest income to average assets | 0.6495% | 2,270 |
| Noninterest expense to average assets | 2.6345% | 3,640 |
| Loan and lease loss provision to assets | 0.0681% | 2,591 |
| Net operating income to assets | 1.1586% | 1,680 |
| Return on assets (ROA) | 1.3808% | 1,132 |
| Pretax return on assets | 1.4581% | 1,727 |
| Return on Equity (ROE) | 14.3625% | 770 |
| Retained earnings to average equity (ytd only) | 5.5040% | 2,646 |
| Net charge-offs to loans | 0.1142% | 1,436 |
| Credit loss provision to net charge-offs | 111.1111% | 1,504 |
| Earnings coverage of net charge-offs (x) | 21.0741% | 1,439 |
| Efficiency ratio | 66.7438% | 3,677 |
| Assets per employee ($millions) | 3.5729% | 4,696 |
| Cash dividends to net income (ytd only)* | 61.6776% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 4,983 |
| Loan loss allowance to noncurrent loans | 213.5135% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 3,570 |
| Noncurrent loans to loans | 0.4316% | 3,892 |
| Net loans and leases to total assets | 53.3700% | 4,509 |
| Net loans and leases to deposits | 66.2975% | 4,227 |
| Net loans and leases to core deposits | 72.2274% | 4,052 |
| Total domestic deposits to total assets | 80.5008% | 4,630 |
| Equity capital to assets | 9.8690% | 4,254 |
| Core capital (leverage) ratio | 8.7247% | 5,151 |
| Tier 1 risk-based capital ratio | 15.8612% | 2,755 |
| Total risk-based capital ratio | 16.7728% | 2,838 |
| Memoranda: | ||
| Average total assets | $176,123,500 | 3,246 |
| Average earning assets | $162,521,500 | 3,251 |
| Average equity | $16,933,000 | 3,604 |
| Average total loans | $94,560,500 | 3,522 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9159% | 3,649 |
| Cost of funding earning assets | 0.4890% | 2,265 |
| Net interest margin | 3.4269% | 3,809 |
| Noninterest income to average assets | 0.7182% | 2,111 |
| Noninterest expense to average assets | 2.6845% | 3,635 |
| Loan and lease loss provision to assets | 0.0618% | 3,066 |
| Net operating income to assets | 1.1106% | 1,876 |
| Return on assets (ROA) | 1.2147% | 1,568 |
| Pretax return on assets | 1.2332% | 2,529 |
| Return on Equity (ROE) | 12.7324% | 1,116 |
| Retained earnings to average equity (ytd only) | 3.9938% | 3,187 |
| Net charge-offs to loans | 0.0233% | 3,793 |
| Credit loss provision to net charge-offs | 500.0000% | 638 |
| Earnings coverage of net charge-offs (x) | 96.2500% | 595 |
| Efficiency ratio | 69.0051% | 3,399 |
| Assets per employee ($millions) | 3.6158% | 4,618 |
| Cash dividends to net income (ytd only)* | 68.6324% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 5,037 |
| Loan loss allowance to noncurrent loans | 179.6680% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 3,514 |
| Noncurrent loans to loans | 0.5084% | 3,662 |
| Net loans and leases to total assets | 53.0267% | 4,597 |
| Net loans and leases to deposits | 65.4419% | 4,360 |
| Net loans and leases to core deposits | 71.8479% | 4,148 |
| Total domestic deposits to total assets | 81.0287% | 4,474 |
| Equity capital to assets | 9.3626% | 4,717 |
| Core capital (leverage) ratio | 8.7214% | 5,192 |
| Tier 1 risk-based capital ratio | 14.0660% | 3,678 |
| Total risk-based capital ratio | 14.8826% | 3,857 |
| Memoranda: | ||
| Average total assets | $161,932,400 | 3,404 |
| Average earning assets | $149,084,800 | 3,419 |
| Average equity | $15,448,800 | 3,766 |
| Average total loans | $85,679,600 | 3,679 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 3,839 |
| Cost of funding earning assets | 0.4703% | 2,497 |
| Net interest margin | 3.4030% | 3,943 |
| Noninterest income to average assets | 0.7387% | 2,069 |
| Noninterest expense to average assets | 2.6881% | 3,607 |
| Loan and lease loss provision to assets | 0.0379% | 3,452 |
| Net operating income to assets | 1.1008% | 2,000 |
| Return on assets (ROA) | 1.2108% | 1,679 |
| Pretax return on assets | 1.2572% | 2,567 |
| Return on Equity (ROE) | 12.6261% | 1,215 |
| Retained earnings to average equity (ytd only) | 5.1524% | 2,806 |
| Net charge-offs to loans | 0.0304% | 3,324 |
| Credit loss provision to net charge-offs | 236.8421% | 1,183 |
| Earnings coverage of net charge-offs (x) | 73.6921% | 785 |
| Efficiency ratio | 69.2023% | 3,340 |
| Assets per employee ($millions) | 3.5468% | 4,705 |
| Cash dividends to net income (ytd only)* | 59.1924% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 5,305 |
| Loan loss allowance to noncurrent loans | 189.2774% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 3,793 |
| Noncurrent loans to loans | 0.4588% | 3,985 |
| Net loans and leases to total assets | 54.4498% | 4,520 |
| Net loans and leases to deposits | 70.1811% | 3,963 |
| Net loans and leases to core deposits | 82.5987% | 3,184 |
| Total domestic deposits to total assets | 77.5847% | 5,249 |
| Equity capital to assets | 10.1178% | 4,032 |
| Core capital (leverage) ratio | 8.7261% | 5,320 |
| Tier 1 risk-based capital ratio | 14.4467% | 3,610 |
| Total risk-based capital ratio | 15.3631% | 3,720 |
| Memoranda: | ||
| Average total assets | $158,122,250 | 3,489 |
| Average earning assets | $145,437,000 | 3,497 |
| Average equity | $15,164,000 | 3,846 |
| Average total loans | $83,395,750 | 3,770 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6496% | 4,579 |
| Cost of funding earning assets | 0.4526% | 2,696 |
| Net interest margin | 3.1969% | 4,676 |
| Noninterest income to average assets | 0.6724% | 2,340 |
| Noninterest expense to average assets | 2.6324% | 3,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9078% | 2,831 |
| Return on assets (ROA) | 1.0657% | 2,187 |
| Pretax return on assets | 1.1215% | 3,086 |
| Return on Equity (ROE) | 11.3421% | 1,574 |
| Retained earnings to average equity (ytd only) | 3.7439% | 3,632 |
| Net charge-offs to loans | 0.0075% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 245.3333% | 285 |
| Efficiency ratio | 73.1548% | 2,808 |
| Assets per employee ($millions) | 3.5550% | 4,705 |
| Cash dividends to net income (ytd only)* | 66.9915% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 5,453 |
| Loan loss allowance to noncurrent loans | 221.1864% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 4,130 |
| Noncurrent loans to loans | 0.3859% | 4,324 |
| Net loans and leases to total assets | 52.2084% | 4,735 |
| Net loans and leases to deposits | 65.2609% | 4,409 |
| Net loans and leases to core deposits | 72.7700% | 4,059 |
| Total domestic deposits to total assets | 79.9995% | 4,872 |
| Equity capital to assets | 9.2815% | 4,921 |
| Core capital (leverage) ratio | 8.7255% | 5,294 |
| Tier 1 risk-based capital ratio | 14.4084% | 3,690 |
| Total risk-based capital ratio | 15.1830% | 3,900 |
| Memoranda: | ||
| Average total assets | $154,081,330 | 3,561 |
| Average earning assets | $140,509,000 | 3,591 |
| Average equity | $14,477,000 | 3,967 |
| Average total loans | $80,024,330 | 3,879 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1920% | 5,666 |
| Cost of funding earning assets | 0.3982% | 3,324 |
| Net interest margin | 2.7937% | 5,655 |
| Noninterest income to average assets | 0.6721% | 2,295 |
| Noninterest expense to average assets | 2.4524% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6810% | 3,887 |
| Return on assets (ROA) | 0.9026% | 2,856 |
| Pretax return on assets | 0.9471% | 3,709 |
| Return on Equity (ROE) | 9.5367% | 2,203 |
| Retained earnings to average equity (ytd only) | 2.2008% | 4,582 |
| Net charge-offs to loans | 0.0216% | 2,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 64.2500% | 694 |
| Efficiency ratio | 77.4561% | 2,274 |
| Assets per employee ($millions) | 3.4989% | 4,902 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 5,524 |
| Loan loss allowance to noncurrent loans | 304.2802% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 4,396 |
| Noncurrent loans to loans | 0.2858% | 4,749 |
| Net loans and leases to total assets | 53.0724% | 4,548 |
| Net loans and leases to deposits | 63.7502% | 4,396 |
| Net loans and leases to core deposits | 71.0852% | 4,053 |
| Total domestic deposits to total assets | 83.2506% | 4,097 |
| Equity capital to assets | 10.1134% | 4,001 |
| Core capital (leverage) ratio | 11.8174% | 1,764 |
| Tier 1 risk-based capital ratio | 14.4270% | 3,762 |
| Total risk-based capital ratio | 15.2183% | 3,962 |
| Memoranda: | ||
| Average total assets | $144,024,000 | 3,743 |
| Average earning assets | $128,573,000 | 3,819 |
| Average equity | $13,631,500 | 4,134 |
| Average total loans | $74,172,500 | 4,074 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9404% | 3,966 |
| Cost of funding earning assets | 0.5332% | 2,352 |
| Net interest margin | 3.4072% | 4,169 |
| Noninterest income to average assets | 0.9585% | 1,326 |
| Noninterest expense to average assets | 2.8054% | 3,458 |
| Loan and lease loss provision to assets | 0.0263% | 4,083 |
| Net operating income to assets | 1.2147% | 1,543 |
| Return on assets (ROA) | 1.2862% | 1,385 |
| Pretax return on assets | 1.3423% | 2,101 |
| Return on Equity (ROE) | 15.2904% | 731 |
| Retained earnings to average equity (ytd only) | 3.2601% | 3,909 |
| Net charge-offs to loans | 0.1155% | 2,878 |
| Credit loss provision to net charge-offs | 46.1538% | 3,566 |
| Earnings coverage of net charge-offs (x) | 22.7231% | 1,616 |
| Efficiency ratio | 68.4334% | 3,819 |
| Assets per employee ($millions) | 3.7532% | 4,436 |
| Cash dividends to net income (ytd only)* | 78.6785% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 3,196 |
| Loan loss allowance to noncurrent loans | 449.1429% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 3,964 |
| Noncurrent loans to loans | 0.2995% | 4,770 |
| Net loans and leases to total assets | 47.9959% | 5,156 |
| Net loans and leases to deposits | 56.8896% | 5,130 |
| Net loans and leases to core deposits | 65.5284% | 4,704 |
| Total domestic deposits to total assets | 84.3666% | 3,568 |
| Equity capital to assets | 8.5577% | 5,689 |
| Core capital (leverage) ratio | 8.7769% | 5,261 |
| Tier 1 risk-based capital ratio | 14.8232% | 3,586 |
| Total risk-based capital ratio | 15.9800% | 3,570 |
| Memoranda: | ||
| Average total assets | $114,135,400 | 4,297 |
| Average earning assets | $105,217,200 | 4,286 |
| Average equity | $9,600,800 | 4,841 |
| Average total loans | $56,276,200 | 4,605 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 4,001 |
| Cost of funding earning assets | 0.5089% | 2,676 |
| Net interest margin | 3.4342% | 4,093 |
| Noninterest income to average assets | 0.9481% | 1,369 |
| Noninterest expense to average assets | 2.7958% | 3,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3037% | 1,359 |
| Return on assets (ROA) | 1.4002% | 1,174 |
| Pretax return on assets | 1.4642% | 1,763 |
| Return on Equity (ROE) | 16.7236% | 588 |
| Retained earnings to average equity (ytd only) | 5.7960% | 2,541 |
| Net charge-offs to loans | 0.1148% | 2,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 23.9994% | 1,562 |
| Efficiency ratio | 67.2168% | 4,005 |
| Assets per employee ($millions) | 3.3505% | 5,141 |
| Cash dividends to net income (ytd only)* | 65.3425% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 3,321 |
| Loan loss allowance to noncurrent loans | 134.6690% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 4,226 |
| Noncurrent loans to loans | 1.0143% | 3,043 |
| Net loans and leases to total assets | 50.4848% | 4,953 |
| Net loans and leases to deposits | 60.7938% | 4,866 |
| Net loans and leases to core deposits | 71.8548% | 4,164 |
| Total domestic deposits to total assets | 83.0427% | 4,127 |
| Equity capital to assets | 8.9802% | 5,373 |
| Core capital (leverage) ratio | 9.0969% | 4,935 |
| Tier 1 risk-based capital ratio | 15.7295% | 3,195 |
| Total risk-based capital ratio | 16.9253% | 3,167 |
| Memoranda: | ||
| Average total assets | $112,643,750 | 4,366 |
| Average earning assets | $105,329,250 | 4,322 |
| Average equity | $9,431,500 | 4,913 |
| Average total loans | $55,737,750 | 4,663 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 4,115 |
| Cost of funding earning assets | 0.4921% | 2,910 |
| Net interest margin | 3.4145% | 4,116 |
| Noninterest income to average assets | 0.8806% | 1,555 |
| Noninterest expense to average assets | 2.7882% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2183% | 1,539 |
| Return on assets (ROA) | 1.3623% | 1,196 |
| Pretax return on assets | 1.4258% | 1,801 |
| Return on Equity (ROE) | 16.6637% | 591 |
| Retained earnings to average equity (ytd only) | 5.5474% | 2,611 |
| Net charge-offs to loans | 0.1371% | 2,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 19.0263% | 1,645 |
| Efficiency ratio | 68.6062% | 3,897 |
| Assets per employee ($millions) | 3.3841% | 5,092 |
| Cash dividends to net income (ytd only)* | 66.7098% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 3,308 |
| Loan loss allowance to noncurrent loans | 132.9372% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 3,115 |
| Noncurrent loans to loans | 1.0591% | 3,112 |
| Net loans and leases to total assets | 49.0965% | 5,063 |
| Net loans and leases to deposits | 58.8884% | 4,965 |
| Net loans and leases to core deposits | 70.6201% | 4,201 |
| Total domestic deposits to total assets | 83.3721% | 4,167 |
| Equity capital to assets | 8.8678% | 5,445 |
| Core capital (leverage) ratio | 8.8902% | 5,175 |
| Tier 1 risk-based capital ratio | 15.5175% | 3,346 |
| Total risk-based capital ratio | 16.7307% | 3,306 |
| Memoranda: | ||
| Average total assets | $113,336,330 | 4,377 |
| Average earning assets | $105,667,670 | 4,334 |
| Average equity | $9,265,670 | 4,969 |
| Average total loans | $55,453,000 | 4,705 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 4,148 |
| Cost of funding earning assets | 0.4652% | 3,264 |
| Net interest margin | 3.4191% | 4,029 |
| Noninterest income to average assets | 0.8549% | 1,537 |
| Noninterest expense to average assets | 2.7468% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2222% | 1,417 |
| Return on assets (ROA) | 1.3769% | 1,083 |
| Pretax return on assets | 1.4365% | 1,618 |
| Return on Equity (ROE) | 17.5701% | 472 |
| Retained earnings to average equity (ytd only) | 6.0355% | 2,521 |
| Net charge-offs to loans | -0.0072% | 4,928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2927% | 4,133 |
| Assets per employee ($millions) | 3.4801% | 4,965 |
| Cash dividends to net income (ytd only)* | 65.6489% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 3,204 |
| Loan loss allowance to noncurrent loans | 139.5586% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.9491% | 3,354 |
| Noncurrent loans to loans | 1.0640% | 3,298 |
| Net loans and leases to total assets | 47.4866% | 5,188 |
| Net loans and leases to deposits | 56.1881% | 5,102 |
| Net loans and leases to core deposits | 65.4619% | 4,556 |
| Total domestic deposits to total assets | 84.5136% | 4,080 |
| Equity capital to assets | 8.0266% | 6,038 |
| Core capital (leverage) ratio | 8.7591% | 5,313 |
| Tier 1 risk-based capital ratio | 15.2616% | 3,571 |
| Total risk-based capital ratio | 16.5111% | 3,529 |
| Memoranda: | ||
| Average total assets | $114,167,500 | 4,406 |
| Average earning assets | $105,758,500 | 4,369 |
| Average equity | $8,947,000 | 5,064 |
| Average total loans | $55,374,000 | 4,748 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 4,801 |
| Cost of funding earning assets | 0.5365% | 3,234 |
| Net interest margin | 3.2683% | 4,781 |
| Noninterest income to average assets | 0.8179% | 1,994 |
| Noninterest expense to average assets | 2.7242% | 4,012 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0812% | 1,997 |
| Return on assets (ROA) | 1.2429% | 1,472 |
| Pretax return on assets | 1.2982% | 2,160 |
| Return on Equity (ROE) | 15.0539% | 751 |
| Retained earnings to average equity (ytd only) | 4.5925% | 2,886 |
| Net charge-offs to loans | 0.1436% | 3,364 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 16.9870% | 1,748 |
| Efficiency ratio | 70.6858% | 3,727 |
| Assets per employee ($millions) | 3.3380% | 5,209 |
| Cash dividends to net income (ytd only)* | 69.4927% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 3,271 |
| Loan loss allowance to noncurrent loans | 144.7972% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.9675% | 3,483 |
| Noncurrent loans to loans | 1.0236% | 3,468 |
| Net loans and leases to total assets | 48.0827% | 5,284 |
| Net loans and leases to deposits | 56.7409% | 5,232 |
| Net loans and leases to core deposits | 64.9743% | 4,779 |
| Total domestic deposits to total assets | 84.7408% | 3,875 |
| Equity capital to assets | 7.6446% | 6,212 |
| Core capital (leverage) ratio | 8.6476% | 5,482 |
| Tier 1 risk-based capital ratio | 15.5191% | 3,368 |
| Total risk-based capital ratio | 16.7690% | 3,315 |
| Memoranda: | ||
| Average total assets | $115,777,600 | 4,370 |
| Average earning assets | $107,549,400 | 4,324 |
| Average equity | $9,559,000 | 4,955 |
| Average total loans | $53,615,000 | 4,826 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 5,007 |
| Cost of funding earning assets | 0.5213% | 3,552 |
| Net interest margin | 3.2360% | 4,872 |
| Noninterest income to average assets | 0.8022% | 2,134 |
| Noninterest expense to average assets | 2.6609% | 4,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1001% | 2,005 |
| Return on assets (ROA) | 1.2651% | 1,512 |
| Pretax return on assets | 1.3224% | 2,242 |
| Return on Equity (ROE) | 15.0511% | 792 |
| Retained earnings to average equity (ytd only) | 4.8262% | 3,212 |
| Net charge-offs to loans | 0.0276% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 91.2495% | 531 |
| Efficiency ratio | 69.8136% | 3,782 |
| Assets per employee ($millions) | 3.4418% | 4,968 |
| Cash dividends to net income (ytd only)* | 67.9353% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 2,793 |
| Loan loss allowance to noncurrent loans | 83.1303% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.0468% | 3,560 |
| Noncurrent loans to loans | 1.9874% | 2,258 |
| Net loans and leases to total assets | 46.4871% | 5,493 |
| Net loans and leases to deposits | 58.0405% | 5,184 |
| Net loans and leases to core deposits | 67.8105% | 4,541 |
| Total domestic deposits to total assets | 80.0942% | 5,480 |
| Equity capital to assets | 8.1942% | 6,009 |
| Core capital (leverage) ratio | 8.5174% | 5,751 |
| Tier 1 risk-based capital ratio | 15.9397% | 3,228 |
| Total risk-based capital ratio | 17.1921% | 3,179 |
| Memoranda: | ||
| Average total assets | $116,349,000 | 4,397 |
| Average earning assets | $108,196,250 | 4,351 |
| Average equity | $9,779,750 | 4,954 |
| Average total loans | $53,171,000 | 4,883 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6701% | 5,238 |
| Cost of funding earning assets | 0.5146% | 3,761 |
| Net interest margin | 3.1556% | 5,106 |
| Noninterest income to average assets | 0.8118% | 2,138 |
| Noninterest expense to average assets | 2.6485% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0369% | 2,169 |
| Return on assets (ROA) | 1.2825% | 1,463 |
| Pretax return on assets | 1.3371% | 2,167 |
| Return on Equity (ROE) | 15.1349% | 787 |
| Retained earnings to average equity (ytd only) | 5.0718% | 3,004 |
| Net charge-offs to loans | 0.0528% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 45.2857% | 851 |
| Efficiency ratio | 71.0105% | 3,640 |
| Assets per employee ($millions) | 3.4522% | 4,954 |
| Cash dividends to net income (ytd only)* | 66.4894% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 2,979 |
| Loan loss allowance to noncurrent loans | 90.8530% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.9612% | 3,856 |
| Noncurrent loans to loans | 1.8156% | 2,620 |
| Net loans and leases to total assets | 46.2659% | 5,502 |
| Net loans and leases to deposits | 58.3772% | 5,127 |
| Net loans and leases to core deposits | 68.6423% | 4,438 |
| Total domestic deposits to total assets | 79.2533% | 5,763 |
| Equity capital to assets | 7.6236% | 6,402 |
| Core capital (leverage) ratio | 8.3325% | 5,846 |
| Tier 1 risk-based capital ratio | 15.4486% | 3,509 |
| Total risk-based capital ratio | 16.7011% | 3,467 |
| Memoranda: | ||
| Average total assets | $117,272,000 | 4,410 |
| Average earning assets | $108,443,330 | 4,374 |
| Average equity | $9,937,330 | 4,962 |
| Average total loans | $52,999,000 | 4,914 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6440% | 5,326 |
| Cost of funding earning assets | 0.4969% | 4,124 |
| Net interest margin | 3.1471% | 5,107 |
| Noninterest income to average assets | 0.7802% | 2,212 |
| Noninterest expense to average assets | 2.5457% | 4,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0644% | 1,979 |
| Return on assets (ROA) | 1.2678% | 1,461 |
| Pretax return on assets | 1.3216% | 2,155 |
| Return on Equity (ROE) | 14.2756% | 908 |
| Retained earnings to average equity (ytd only) | 4.8090% | 3,350 |
| Net charge-offs to loans | -0.0152% | 5,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6412% | 4,031 |
| Assets per employee ($millions) | 3.0729% | 5,869 |
| Cash dividends to net income (ytd only)* | 66.3130% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 2,954 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.0294% | 3,873 |
| Noncurrent loans to loans | 2.0542% | 2,560 |
| Net loans and leases to total assets | 44.2541% | 5,630 |
| Net loans and leases to deposits | 54.9745% | 5,349 |
| Net loans and leases to core deposits | 64.1261% | 4,730 |
| Total domestic deposits to total assets | 80.4994% | 5,633 |
| Equity capital to assets | 8.9723% | 5,516 |
| Core capital (leverage) ratio | 8.1080% | 6,037 |
| Tier 1 risk-based capital ratio | 14.7806% | 3,980 |
| Total risk-based capital ratio | 16.0324% | 3,950 |
| Memoranda: | ||
| Average total assets | $118,947,000 | 4,418 |
| Average earning assets | $108,672,000 | 4,404 |
| Average equity | $10,563,500 | 4,870 |
| Average total loans | $52,703,000 | 4,958 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 5,312 |
| Cost of funding earning assets | 0.6536% | 3,884 |
| Net interest margin | 3.3444% | 5,090 |
| Noninterest income to average assets | 0.7520% | 2,485 |
| Noninterest expense to average assets | 2.7734% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0085% | 2,300 |
| Return on assets (ROA) | 1.1554% | 1,915 |
| Pretax return on assets | 1.2059% | 2,787 |
| Return on Equity (ROE) | 12.6420% | 1,323 |
| Retained earnings to average equity (ytd only) | 3.1676% | 3,997 |
| Net charge-offs to loans | 0.0154% | 5,694 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 151.3750% | 277 |
| Efficiency ratio | 72.4835% | 3,327 |
| Assets per employee ($millions) | 3.5624% | 4,873 |
| Cash dividends to net income (ytd only)* | 74.9436% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 2,933 |
| Loan loss allowance to noncurrent loans | 84.5574% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 4,073 |
| Noncurrent loans to loans | 2.0102% | 2,685 |
| Net loans and leases to total assets | 42.8754% | 5,909 |
| Net loans and leases to deposits | 50.7927% | 5,903 |
| Net loans and leases to core deposits | 58.1278% | 5,531 |
| Total domestic deposits to total assets | 84.4125% | 4,118 |
| Equity capital to assets | 8.7927% | 5,753 |
| Core capital (leverage) ratio | 8.1424% | 6,049 |
| Tier 1 risk-based capital ratio | 14.3363% | 4,137 |
| Total risk-based capital ratio | 15.5884% | 4,097 |
| Memoranda: | ||
| Average total assets | $115,021,800 | 4,464 |
| Average earning assets | $105,728,000 | 4,458 |
| Average equity | $10,512,600 | 4,865 |
| Average total loans | $52,100,400 | 5,011 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0391% | 5,401 |
| Cost of funding earning assets | 0.6555% | 4,146 |
| Net interest margin | 3.3836% | 5,083 |
| Noninterest income to average assets | 0.7060% | 2,685 |
| Noninterest expense to average assets | 2.8053% | 3,964 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0064% | 2,468 |
| Return on assets (ROA) | 1.1395% | 2,144 |
| Pretax return on assets | 1.1865% | 3,033 |
| Return on Equity (ROE) | 12.3427% | 1,518 |
| Retained earnings to average equity (ytd only) | 2.8376% | 4,847 |
| Net charge-offs to loans | 0.0231% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 99.1083% | 430 |
| Efficiency ratio | 72.8049% | 3,185 |
| Assets per employee ($millions) | 3.3823% | 5,254 |
| Cash dividends to net income (ytd only)* | 77.0107% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 3,109 |
| Loan loss allowance to noncurrent loans | 964.5161% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 6,238 |
| Noncurrent loans to loans | 0.1774% | 6,167 |
| Net loans and leases to total assets | 44.7968% | 5,895 |
| Net loans and leases to deposits | 57.0715% | 5,526 |
| Net loans and leases to core deposits | 66.9495% | 4,846 |
| Total domestic deposits to total assets | 78.4925% | 5,967 |
| Equity capital to assets | 9.5576% | 5,131 |
| Core capital (leverage) ratio | 8.2390% | 6,093 |
| Tier 1 risk-based capital ratio | 14.5046% | 4,180 |
| Total risk-based capital ratio | 15.7566% | 4,148 |
| Memoranda: | ||
| Average total assets | $113,496,500 | 4,559 |
| Average earning assets | $105,566,500 | 4,499 |
| Average equity | $10,478,250 | 4,922 |
| Average total loans | $51,918,000 | 5,080 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 5,212 |
| Cost of funding earning assets | 0.6859% | 4,134 |
| Net interest margin | 3.4410% | 4,922 |
| Noninterest income to average assets | 0.6974% | 2,689 |
| Noninterest expense to average assets | 2.7435% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0841% | 2,111 |
| Return on assets (ROA) | 1.2319% | 1,796 |
| Pretax return on assets | 1.2868% | 2,608 |
| Return on Equity (ROE) | 13.5050% | 1,235 |
| Retained earnings to average equity (ytd only) | 3.8419% | 4,055 |
| Net charge-offs to loans | -0.0232% | 6,460 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7763% | 3,636 |
| Assets per employee ($millions) | 3.4305% | 5,139 |
| Cash dividends to net income (ytd only)* | 71.5517% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 2,997 |
| Loan loss allowance to noncurrent loans | 3,804.1667% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 6,780 |
| Noncurrent loans to loans | 0.0462% | 6,563 |
| Net loans and leases to total assets | 45.0969% | 5,912 |
| Net loans and leases to deposits | 53.8097% | 5,888 |
| Net loans and leases to core deposits | 62.7614% | 5,326 |
| Total domestic deposits to total assets | 83.8081% | 4,395 |
| Equity capital to assets | 9.3680% | 5,237 |
| Core capital (leverage) ratio | 8.1363% | 6,114 |
| Tier 1 risk-based capital ratio | 14.6918% | 3,972 |
| Total risk-based capital ratio | 15.9442% | 3,934 |
| Memoranda: | ||
| Average total assets | $112,996,330 | 4,591 |
| Average earning assets | $104,389,670 | 4,553 |
| Average equity | $10,307,330 | 4,961 |
| Average total loans | $51,753,330 | 5,112 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1663% | 5,229 |
| Cost of funding earning assets | 0.6854% | 4,407 |
| Net interest margin | 3.4809% | 4,786 |
| Noninterest income to average assets | 0.6838% | 2,738 |
| Noninterest expense to average assets | 2.6787% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1613% | 1,853 |
| Return on assets (ROA) | 1.3960% | 1,376 |
| Pretax return on assets | 1.4527% | 2,013 |
| Return on Equity (ROE) | 15.5141% | 881 |
| Retained earnings to average equity (ytd only) | 5.7095% | 3,143 |
| Net charge-offs to loans | -0.0310% | 6,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9152% | 3,994 |
| Assets per employee ($millions) | 3.3737% | 5,396 |
| Cash dividends to net income (ytd only)* | 63.1980% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7702% | 3,091 |
| Loan loss allowance to noncurrent loans | 1,338.2353% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 6,743 |
| Noncurrent loans to loans | 0.1323% | 6,421 |
| Net loans and leases to total assets | 45.3566% | 5,864 |
| Net loans and leases to deposits | 54.3699% | 5,772 |
| Net loans and leases to core deposits | 64.2067% | 5,089 |
| Total domestic deposits to total assets | 83.4224% | 4,746 |
| Equity capital to assets | 9.2247% | 5,197 |
| Core capital (leverage) ratio | 8.1176% | 6,133 |
| Tier 1 risk-based capital ratio | 15.1040% | 3,690 |
| Total risk-based capital ratio | 16.3577% | 3,644 |
| Memoranda: | ||
| Average total assets | $112,892,000 | 4,624 |
| Average earning assets | $103,882,000 | 4,601 |
| Average equity | $10,158,500 | 5,000 |
| Average total loans | $51,647,500 | 5,158 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 5,076 |
| Cost of funding earning assets | 0.8594% | 4,400 |
| Net interest margin | 3.6398% | 4,566 |
| Noninterest income to average assets | 0.7263% | 2,468 |
| Noninterest expense to average assets | 2.7942% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2870% | 1,283 |
| Return on assets (ROA) | 1.3264% | 1,275 |
| Pretax return on assets | 1.3809% | 1,839 |
| Return on Equity (ROE) | 14.1497% | 896 |
| Retained earnings to average equity (ytd only) | 2.9767% | 4,116 |
| Net charge-offs to loans | -0.0405% | 7,034 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5913% | 4,444 |
| Assets per employee ($millions) | 3.8151% | 4,287 |
| Cash dividends to net income (ytd only)* | 78.9625% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 3,043 |
| Loan loss allowance to noncurrent loans | 284.0125% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2787% | 6,267 |
| Noncurrent loans to loans | 0.6148% | 5,486 |
| Net loans and leases to total assets | 44.5449% | 6,154 |
| Net loans and leases to deposits | 53.0509% | 6,135 |
| Net loans and leases to core deposits | 61.8861% | 5,665 |
| Total domestic deposits to total assets | 83.9663% | 4,327 |
| Equity capital to assets | 8.7783% | 5,821 |
| Core capital (leverage) ratio | 8.3850% | 5,736 |
| Tier 1 risk-based capital ratio | 14.7713% | 3,779 |
| Total risk-based capital ratio | 16.0172% | 3,760 |
| Memoranda: | ||
| Average total assets | $104,643,800 | 4,771 |
| Average earning assets | $97,972,800 | 4,687 |
| Average equity | $9,809,400 | 5,067 |
| Average total loans | $51,790,000 | 5,200 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5638% | 5,021 |
| Cost of funding earning assets | 0.8363% | 4,887 |
| Net interest margin | 3.7275% | 4,212 |
| Noninterest income to average assets | 0.7372% | 2,381 |
| Noninterest expense to average assets | 2.8664% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3599% | 1,243 |
| Return on assets (ROA) | 1.4143% | 1,202 |
| Pretax return on assets | 1.4626% | 1,753 |
| Return on Equity (ROE) | 14.8236% | 861 |
| Retained earnings to average equity (ytd only) | 4.6084% | 3,439 |
| Net charge-offs to loans | -0.0258% | 6,949 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0840% | 4,503 |
| Assets per employee ($millions) | 3.3507% | 5,363 |
| Cash dividends to net income (ytd only)* | 68.9116% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7695% | 3,039 |
| Loan loss allowance to noncurrent loans | 597.3333% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 6,684 |
| Noncurrent loans to loans | 0.2962% | 6,256 |
| Net loans and leases to total assets | 47.8854% | 5,970 |
| Net loans and leases to deposits | 58.4221% | 5,804 |
| Net loans and leases to core deposits | 68.3843% | 5,135 |
| Total domestic deposits to total assets | 81.9645% | 5,104 |
| Equity capital to assets | 9.9602% | 4,396 |
| Core capital (leverage) ratio | 8.6403% | 5,493 |
| Tier 1 risk-based capital ratio | 15.7263% | 3,264 |
| Total risk-based capital ratio | 16.9801% | 3,222 |
| Memoranda: | ||
| Average total assets | $102,191,500 | 4,863 |
| Average earning assets | $96,935,000 | 4,742 |
| Average equity | $9,750,000 | 5,110 |
| Average total loans | $51,765,250 | 5,240 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 4,991 |
| Cost of funding earning assets | 0.8138% | 5,281 |
| Net interest margin | 3.7795% | 3,894 |
| Noninterest income to average assets | 0.7321% | 2,367 |
| Noninterest expense to average assets | 2.8790% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3899% | 1,105 |
| Return on assets (ROA) | 1.4720% | 999 |
| Pretax return on assets | 1.5113% | 1,498 |
| Return on Equity (ROE) | 15.6627% | 703 |
| Retained earnings to average equity (ytd only) | 5.2349% | 2,852 |
| Net charge-offs to loans | -0.0038% | 6,559 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8647% | 4,716 |
| Assets per employee ($millions) | 3.0865% | 5,909 |
| Cash dividends to net income (ytd only)* | 66.5775% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 3,249 |
| Loan loss allowance to noncurrent loans | 445.7286% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 6,615 |
| Noncurrent loans to loans | 0.3867% | 6,133 |
| Net loans and leases to total assets | 49.6578% | 5,870 |
| Net loans and leases to deposits | 59.7783% | 5,748 |
| Net loans and leases to core deposits | 70.4747% | 5,012 |
| Total domestic deposits to total assets | 83.0701% | 4,726 |
| Equity capital to assets | 9.8385% | 4,347 |
| Core capital (leverage) ratio | 8.6914% | 5,236 |
| Tier 1 risk-based capital ratio | 15.9512% | 2,998 |
| Total risk-based capital ratio | 17.2050% | 2,964 |
| Memoranda: | ||
| Average total assets | $101,631,000 | 4,912 |
| Average earning assets | $96,097,000 | 4,812 |
| Average equity | $9,551,330 | 5,170 |
| Average total loans | $52,141,670 | 5,277 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 5,363 |
| Cost of funding earning assets | 0.7697% | 5,753 |
| Net interest margin | 3.7228% | 3,986 |
| Noninterest income to average assets | 0.7210% | 2,443 |
| Noninterest expense to average assets | 2.9709% | 3,765 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2367% | 1,436 |
| Return on assets (ROA) | 1.4027% | 1,098 |
| Pretax return on assets | 1.4263% | 1,654 |
| Return on Equity (ROE) | 15.2847% | 777 |
| Retained earnings to average equity (ytd only) | 4.5940% | 3,426 |
| Net charge-offs to loans | -0.0534% | 6,905 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2703% | 4,200 |
| Assets per employee ($millions) | 3.1928% | 5,726 |
| Cash dividends to net income (ytd only)* | 69.9438% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 3,285 |
| Loan loss allowance to noncurrent loans | 576.1290% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 6,787 |
| Noncurrent loans to loans | 0.2978% | 6,391 |
| Net loans and leases to total assets | 50.0719% | 5,840 |
| Net loans and leases to deposits | 59.7340% | 5,749 |
| Net loans and leases to core deposits | 66.5834% | 5,454 |
| Total domestic deposits to total assets | 83.8248% | 4,559 |
| Equity capital to assets | 9.1544% | 4,946 |
| Core capital (leverage) ratio | 8.6784% | 5,123 |
| Tier 1 risk-based capital ratio | 10.4118% | 6,858 |
| Total risk-based capital ratio | 11.4681% | 6,918 |
| Memoranda: | ||
| Average total assets | $101,519,000 | 4,958 |
| Average earning assets | $95,626,000 | 4,862 |
| Average equity | $9,316,500 | 5,227 |
| Average total loans | $52,479,500 | 5,311 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 6,105 |
| Cost of funding earning assets | 1.0027% | 5,673 |
| Net interest margin | 3.6004% | 4,824 |
| Noninterest income to average assets | 0.8015% | 2,274 |
| Noninterest expense to average assets | 2.8043% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2834% | 1,216 |
| Return on assets (ROA) | 1.3221% | 1,186 |
| Pretax return on assets | 1.3831% | 1,706 |
| Return on Equity (ROE) | 14.5269% | 788 |
| Retained earnings to average equity (ytd only) | 4.2011% | 2,900 |
| Net charge-offs to loans | -0.0607% | 7,463 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6201% | 4,642 |
| Assets per employee ($millions) | 3.2538% | 5,529 |
| Cash dividends to net income (ytd only)* | 71.0801% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 3,322 |
| Loan loss allowance to noncurrent loans | 542.9448% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 6,825 |
| Noncurrent loans to loans | 0.3081% | 6,438 |
| Net loans and leases to total assets | 51.5748% | 5,975 |
| Net loans and leases to deposits | 62.0888% | 5,842 |
| Net loans and leases to core deposits | 66.0836% | 5,869 |
| Total domestic deposits to total assets | 83.0662% | 4,768 |
| Equity capital to assets | 9.2001% | 4,844 |
| Core capital (leverage) ratio | 10.0966% | 2,978 |
| Tier 1 risk-based capital ratio | 15.4036% | 3,040 |
| Total risk-based capital ratio | 16.6578% | 2,998 |
| Memoranda: | ||
| Average total assets | $86,832,000 | 5,385 |
| Average earning assets | $80,685,400 | 5,320 |
| Average equity | $7,902,600 | 5,747 |
| Average total loans | $42,813,400 | 5,803 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8357% | 5,525 |
| Cost of funding earning assets | 1.0526% | 5,687 |
| Net interest margin | 3.7831% | 4,042 |
| Noninterest income to average assets | 0.8065% | 2,200 |
| Noninterest expense to average assets | 2.7363% | 4,736 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5176% | 888 |
| Return on assets (ROA) | 1.5714% | 861 |
| Pretax return on assets | 1.6402% | 1,247 |
| Return on Equity (ROE) | 17.3228% | 551 |
| Retained earnings to average equity (ytd only) | 7.8500% | 1,471 |
| Net charge-offs to loans | -0.0794% | 7,520 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3333% | 5,374 |
| Assets per employee ($millions) | 3.3169% | 5,409 |
| Cash dividends to net income (ytd only)* | 54.6842% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1778% | 1,842 |
| Loan loss allowance to noncurrent loans | 1,298.5294% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 7,138 |
| Noncurrent loans to loans | 0.1677% | 6,851 |
| Net loans and leases to total assets | 47.8305% | 6,537 |
| Net loans and leases to deposits | 58.8623% | 6,392 |
| Net loans and leases to core deposits | 63.7120% | 6,322 |
| Total domestic deposits to total assets | 81.2583% | 5,278 |
| Equity capital to assets | 9.4064% | 4,974 |
| Core capital (leverage) ratio | 8.1781% | 6,075 |
| Tier 1 risk-based capital ratio | 15.5256% | 2,984 |
| Total risk-based capital ratio | 16.7841% | 2,946 |
| Memoranda: | ||
| Average total assets | $83,322,750 | 5,557 |
| Average earning assets | $77,394,000 | 5,502 |
| Average equity | $7,558,250 | 5,924 |
| Average total loans | $40,289,750 | 5,994 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 5,646 |
| Cost of funding earning assets | 1.0665% | 5,837 |
| Net interest margin | 3.7729% | 4,032 |
| Noninterest income to average assets | 0.8148% | 2,044 |
| Noninterest expense to average assets | 2.7296% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5155% | 890 |
| Return on assets (ROA) | 1.5960% | 789 |
| Pretax return on assets | 1.6703% | 1,116 |
| Return on Equity (ROE) | 17.8130% | 478 |
| Retained earnings to average equity (ytd only) | 8.2379% | 1,356 |
| Net charge-offs to loans | -0.0796% | 7,526 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2426% | 5,478 |
| Assets per employee ($millions) | 3.4222% | 5,116 |
| Cash dividends to net income (ytd only)* | 53.7538% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1141% | 1,938 |
| Loan loss allowance to noncurrent loans | 712.1951% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 7,034 |
| Noncurrent loans to loans | 0.2968% | 6,635 |
| Net loans and leases to total assets | 47.4087% | 6,667 |
| Net loans and leases to deposits | 57.8619% | 6,583 |
| Net loans and leases to core deposits | 62.2430% | 6,532 |
| Total domestic deposits to total assets | 81.9342% | 5,013 |
| Equity capital to assets | 9.1276% | 5,254 |
| Core capital (leverage) ratio | 8.0642% | 6,174 |
| Tier 1 risk-based capital ratio | 14.8258% | 3,251 |
| Total risk-based capital ratio | 16.0840% | 3,221 |
| Memoranda: | ||
| Average total assets | $83,456,330 | 5,582 |
| Average earning assets | $77,448,000 | 5,530 |
| Average equity | $7,477,670 | 5,978 |
| Average total loans | $40,204,670 | 6,039 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 5,035 |
| Cost of funding earning assets | 1.0289% | 6,235 |
| Net interest margin | 3.9678% | 3,006 |
| Noninterest income to average assets | 0.8058% | 1,992 |
| Noninterest expense to average assets | 2.7910% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6037% | 745 |
| Return on assets (ROA) | 1.7668% | 582 |
| Pretax return on assets | 1.8348% | 833 |
| Return on Equity (ROE) | 19.9125% | 388 |
| Retained earnings to average equity (ytd only) | 10.1204% | 1,112 |
| Net charge-offs to loans | -0.1415% | 7,596 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6362% | 5,721 |
| Assets per employee ($millions) | 3.2956% | 5,554 |
| Cash dividends to net income (ytd only)* | 49.1758% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2192% | 1,713 |
| Loan loss allowance to noncurrent loans | 746.1538% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 7,129 |
| Noncurrent loans to loans | 0.2974% | 6,727 |
| Net loans and leases to total assets | 46.6877% | 6,775 |
| Net loans and leases to deposits | 57.4342% | 6,660 |
| Net loans and leases to core deposits | 62.0209% | 6,600 |
| Total domestic deposits to total assets | 81.2890% | 5,351 |
| Equity capital to assets | 8.9987% | 5,281 |
| Core capital (leverage) ratio | 8.2462% | 5,839 |
| Tier 1 risk-based capital ratio | 15.1857% | 3,017 |
| Total risk-based capital ratio | 16.4438% | 2,974 |
| Memoranda: | ||
| Average total assets | $82,407,500 | 5,689 |
| Average earning assets | $75,810,000 | 5,643 |
| Average equity | $7,312,000 | 6,081 |
| Average total loans | $39,589,000 | 6,141 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2068% | 5,620 |
| Cost of funding earning assets | 1.3282% | 6,214 |
| Net interest margin | 3.8786% | 3,355 |
| Noninterest income to average assets | 0.8669% | 2,096 |
| Noninterest expense to average assets | 3.0008% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4258% | 808 |
| Return on assets (ROA) | 1.4516% | 819 |
| Pretax return on assets | 1.5106% | 1,164 |
| Return on Equity (ROE) | 16.1461% | 540 |
| Retained earnings to average equity (ytd only) | 5.9335% | 1,375 |
| Net charge-offs to loans | -0.0409% | 7,835 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9145% | 5,204 |
| Assets per employee ($millions) | 3.1702% | 5,791 |
| Cash dividends to net income (ytd only)* | 63.2509% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1587% | 1,719 |
| Loan loss allowance to noncurrent loans | 392.6941% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 6,788 |
| Noncurrent loans to loans | 0.5497% | 6,139 |
| Net loans and leases to total assets | 47.2903% | 6,872 |
| Net loans and leases to deposits | 58.0727% | 6,781 |
| Net loans and leases to core deposits | 78.2475% | 6,241 |
| Total domestic deposits to total assets | 81.4328% | 5,182 |
| Equity capital to assets | 8.7473% | 5,520 |
| Core capital (leverage) ratio | 9.8976% | 3,200 |
| Tier 1 risk-based capital ratio | 14.2550% | 3,344 |
| Total risk-based capital ratio | 15.5128% | 3,291 |
| Memoranda: | ||
| Average total assets | $77,980,400 | 5,786 |
| Average earning assets | $72,732,200 | 5,729 |
| Average equity | $7,011,000 | 6,266 |
| Average total loans | $39,090,800 | 6,152 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2848% | 5,508 |
| Cost of funding earning assets | 1.3309% | 6,467 |
| Net interest margin | 3.9539% | 3,018 |
| Noninterest income to average assets | 0.8707% | 2,099 |
| Noninterest expense to average assets | 3.0683% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4480% | 919 |
| Return on assets (ROA) | 1.4830% | 904 |
| Pretax return on assets | 1.5437% | 1,294 |
| Return on Equity (ROE) | 16.3759% | 610 |
| Retained earnings to average equity (ytd only) | 6.0907% | 1,904 |
| Net charge-offs to loans | -0.0343% | 7,816 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0584% | 5,171 |
| Assets per employee ($millions) | 2.8880% | 6,441 |
| Cash dividends to net income (ytd only)* | 62.8069% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2120% | 1,400 |
| Loan loss allowance to noncurrent loans | 662.0155% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 7,119 |
| Noncurrent loans to loans | 0.3341% | 6,690 |
| Net loans and leases to total assets | 48.4168% | 6,916 |
| Net loans and leases to deposits | 60.3845% | 6,801 |
| Net loans and leases to core deposits | 73.5897% | 6,750 |
| Total domestic deposits to total assets | 80.1808% | 5,372 |
| Equity capital to assets | 9.3492% | 4,958 |
| Core capital (leverage) ratio | 10.2102% | 3,055 |
| Tier 1 risk-based capital ratio | 14.6649% | 3,193 |
| Total risk-based capital ratio | 15.8537% | 3,170 |
| Memoranda: | ||
| Average total assets | $76,869,250 | 5,852 |
| Average earning assets | $72,028,750 | 5,784 |
| Average equity | $6,961,250 | 6,327 |
| Average total loans | $38,903,750 | 6,203 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3108% | 5,603 |
| Cost of funding earning assets | 1.3568% | 6,625 |
| Net interest margin | 3.9540% | 2,875 |
| Noninterest income to average assets | 0.8837% | 2,048 |
| Noninterest expense to average assets | 3.1032% | 3,687 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4479% | 935 |
| Return on assets (ROA) | 1.5006% | 892 |
| Pretax return on assets | 1.5608% | 1,303 |
| Return on Equity (ROE) | 16.7550% | 605 |
| Retained earnings to average equity (ytd only) | 6.3050% | 1,879 |
| Net charge-offs to loans | -0.0205% | 7,704 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3284% | 5,288 |
| Assets per employee ($millions) | 3.0720% | 5,943 |
| Cash dividends to net income (ytd only)* | 62.3693% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1457% | 1,323 |
| Loan loss allowance to noncurrent loans | 547.0968% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 7,009 |
| Noncurrent loans to loans | 0.3922% | 6,531 |
| Net loans and leases to total assets | 50.3542% | 6,837 |
| Net loans and leases to deposits | 63.6241% | 6,602 |
| Net loans and leases to core deposits | 78.5123% | 6,513 |
| Total domestic deposits to total assets | 79.1432% | 5,769 |
| Equity capital to assets | 8.9414% | 5,398 |
| Core capital (leverage) ratio | 9.9837% | 3,315 |
| Tier 1 risk-based capital ratio | 14.6894% | 3,151 |
| Total risk-based capital ratio | 15.9478% | 3,084 |
| Memoranda: | ||
| Average total assets | $76,500,670 | 5,902 |
| Average earning assets | $72,079,670 | 5,822 |
| Average equity | $6,851,670 | 6,421 |
| Average total loans | $39,002,670 | 6,250 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3264% | 5,777 |
| Cost of funding earning assets | 1.3330% | 6,923 |
| Net interest margin | 3.9934% | 2,672 |
| Noninterest income to average assets | 0.9902% | 1,512 |
| Noninterest expense to average assets | 3.1591% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5174% | 909 |
| Return on assets (ROA) | 1.6241% | 827 |
| Pretax return on assets | 1.6765% | 1,224 |
| Return on Equity (ROE) | 18.1181% | 586 |
| Retained earnings to average equity (ytd only) | 7.6563% | 1,952 |
| Net charge-offs to loans | -0.0206% | 7,450 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8514% | 5,169 |
| Assets per employee ($millions) | 3.0230% | 6,090 |
| Cash dividends to net income (ytd only)* | 57.7419% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1892% | 1,096 |
| Loan loss allowance to noncurrent loans | 438.3420% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 6,743 |
| Noncurrent loans to loans | 0.4994% | 6,178 |
| Net loans and leases to total assets | 50.0139% | 6,866 |
| Net loans and leases to deposits | 62.3339% | 6,706 |
| Net loans and leases to core deposits | 76.2748% | 6,658 |
| Total domestic deposits to total assets | 80.2355% | 5,267 |
| Equity capital to assets | 9.1141% | 5,208 |
| Core capital (leverage) ratio | 9.8460% | 3,585 |
| Tier 1 risk-based capital ratio | 14.6402% | 3,238 |
| Total risk-based capital ratio | 15.8997% | 3,158 |
| Memoranda: | ||
| Average total assets | $76,351,000 | 5,936 |
| Average earning assets | $71,418,000 | 5,867 |
| Average equity | $6,844,000 | 6,461 |
| Average total loans | $38,744,000 | 6,288 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9389% | 5,857 |
| Cost of funding earning assets | 2.0363% | 6,295 |
| Net interest margin | 3.9026% | 3,550 |
| Noninterest income to average assets | 0.9230% | 1,880 |
| Noninterest expense to average assets | 3.0536% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5068% | 1,007 |
| Return on assets (ROA) | 1.5441% | 903 |
| Pretax return on assets | 1.6030% | 1,374 |
| Return on Equity (ROE) | 17.2697% | 604 |
| Retained earnings to average equity (ytd only) | 5.7566% | 1,640 |
| Net charge-offs to loans | -0.0406% | 8,008 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1270% | 5,104 |
| Assets per employee ($millions) | 2.9664% | 6,129 |
| Cash dividends to net income (ytd only)* | 66.6667% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1702% | 977 |
| Loan loss allowance to noncurrent loans | 436.7876% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 6,580 |
| Noncurrent loans to loans | 0.4969% | 5,858 |
| Net loans and leases to total assets | 49.2707% | 7,090 |
| Net loans and leases to deposits | 61.1411% | 7,007 |
| Net loans and leases to core deposits | 82.9662% | 6,384 |
| Total domestic deposits to total assets | 80.5853% | 4,810 |
| Equity capital to assets | 8.8166% | 5,624 |
| Core capital (leverage) ratio | 8.9207% | 4,859 |
| Tier 1 risk-based capital ratio | 14.1770% | 3,460 |
| Total risk-based capital ratio | 15.4364% | 3,380 |
| Memoranda: | ||
| Average total assets | $69,557,200 | 6,050 |
| Average earning assets | $65,853,600 | 5,969 |
| Average equity | $6,219,000 | 6,728 |
| Average total loans | $36,904,400 | 6,320 |