Home > Commercial State Bank, of Wagner > Performance and Condition Ratios
Commercial State Bank, of Wagner, 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 | 4.8579% | 2,368 |
| Cost of funding earning assets | 1.4252% | 2,161 |
| Net interest margin | 3.4326% | 2,338 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.8945% | 3,848 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.4398% | 1,138 |
| Return on assets (ROA) | 1.3033% | 1,399 |
| Pretax return on assets | 1.3972% | 1,640 |
| Return on Equity (ROE) | 15.3900% | 1,210 |
| Retained earnings to average equity (ytd only) | 4.4047% | 2,829 |
| Net charge-offs to loans | 0.1631% | 643 |
| Credit loss provision to net charge-offs | 122.8311% | 1,655 |
| Earnings coverage of net charge-offs (x) | 17.8995% | 1,956 |
| Efficiency ratio | 53.3333% | 3,727 |
| Assets per employee ($millions) | 9.2270% | 911 |
| Cash dividends to net income (ytd only)* | 71.3822% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 2,403 |
| Loan loss allowance to noncurrent loans | 59.5668% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.1119% | 413 |
| Noncurrent loans to loans | 1.9814% | 290 |
| Net loans and leases to total assets | 55.4500% | 3,237 |
| Net loans and leases to deposits | 63.3194% | 3,333 |
| Net loans and leases to core deposits | 68.7958% | 3,365 |
| Total domestic deposits to total assets | 87.5800% | 1,493 |
| Equity capital to assets | 8.8934% | 2,749 |
| Core capital (leverage) ratio | 10.7314% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $236,475,400 | 2,757 |
| Average earning assets | $226,417,000 | 2,709 |
| Average equity | $20,024,200 | 2,856 |
| Average total loans | $134,295,600 | 2,822 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7495% | 2,373 |
| Cost of funding earning assets | 1.3429% | 2,022 |
| Net interest margin | 3.4066% | 2,440 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.9538% | 3,703 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.4970% | 1,133 |
| Return on assets (ROA) | 1.3087% | 1,513 |
| Pretax return on assets | 1.3801% | 1,822 |
| Return on Equity (ROE) | 15.6600% | 1,315 |
| Retained earnings to average equity (ytd only) | 4.3779% | 3,155 |
| Net charge-offs to loans | 0.0893% | 853 |
| Credit loss provision to net charge-offs | -12.3596% | 4,474 |
| Earnings coverage of net charge-offs (x) | 30.9101% | 1,579 |
| Efficiency ratio | 55.4133% | 3,451 |
| Assets per employee ($millions) | 8.6313% | 1,065 |
| Cash dividends to net income (ytd only)* | 72.0524% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 2,736 |
| Loan loss allowance to noncurrent loans | 56.1587% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1461% | 406 |
| Noncurrent loans to loans | 2.0080% | 304 |
| Net loans and leases to total assets | 56.4400% | 3,163 |
| Net loans and leases to deposits | 62.6853% | 3,357 |
| Net loans and leases to core deposits | 68.0411% | 3,322 |
| Total domestic deposits to total assets | 90.0300% | 932 |
| Equity capital to assets | 7.7152% | 3,232 |
| Core capital (leverage) ratio | 10.7955% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $233,312,000 | 2,785 |
| Average earning assets | $223,091,000 | 2,736 |
| Average equity | $19,491,250 | 2,890 |
| Average total loans | $132,919,250 | 2,837 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 2,532 |
| Cost of funding earning assets | 1.2314% | 1,899 |
| Net interest margin | 3.3161% | 2,712 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.9349% | 3,746 |
| Loan and lease loss provision to assets | -0.0600% | 4,518 |
| Net operating income to assets | 1.4744% | 1,156 |
| Return on assets (ROA) | 1.1919% | 1,841 |
| Pretax return on assets | 1.2562% | 2,203 |
| Return on Equity (ROE) | 13.9100% | 1,701 |
| Retained earnings to average equity (ytd only) | 2.9107% | 3,499 |
| Net charge-offs to loans | 0.0467% | 1,043 |
| Credit loss provision to net charge-offs | -222.5806% | 4,566 |
| Earnings coverage of net charge-offs (x) | 56.2581% | 1,225 |
| Efficiency ratio | 56.4218% | 3,365 |
| Assets per employee ($millions) | 8.4845% | 1,105 |
| Cash dividends to net income (ytd only)* | 79.0798% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,713 |
| Loan loss allowance to noncurrent loans | 52.1739% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.2102% | 332 |
| Noncurrent loans to loans | 2.2022% | 230 |
| Net loans and leases to total assets | 54.3200% | 3,249 |
| Net loans and leases to deposits | 59.6219% | 3,445 |
| Net loans and leases to core deposits | 64.3455% | 3,425 |
| Total domestic deposits to total assets | 91.1100% | 619 |
| Equity capital to assets | 8.4860% | 2,880 |
| Core capital (leverage) ratio | 10.7127% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $233,400,667 | 2,794 |
| Average earning assets | $223,152,333 | 2,746 |
| Average equity | $19,995,000 | 2,865 |
| Average total loans | $132,885,667 | 2,837 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 2,536 |
| Cost of funding earning assets | 1.1298% | 1,664 |
| Net interest margin | 3.2751% | 2,938 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.0215% | 3,580 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 1.2399% | 1,824 |
| Return on assets (ROA) | 1.2399% | 1,796 |
| Pretax return on assets | 1.3920% | 1,900 |
| Return on Equity (ROE) | 14.4000% | 1,692 |
| Retained earnings to average equity (ytd only) | 3.3547% | 3,421 |
| Net charge-offs to loans | -0.0716% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.9487% | 2,966 |
| Assets per employee ($millions) | 8.9156% | 967 |
| Cash dividends to net income (ytd only)* | 76.7085% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,362 |
| Loan loss allowance to noncurrent loans | 56.2193% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.2278% | 291 |
| Noncurrent loans to loans | 2.1970% | 239 |
| Net loans and leases to total assets | 55.1900% | 3,098 |
| Net loans and leases to deposits | 60.8652% | 3,285 |
| Net loans and leases to core deposits | 64.8894% | 3,290 |
| Total domestic deposits to total assets | 90.6800% | 922 |
| Equity capital to assets | 8.8669% | 2,614 |
| Core capital (leverage) ratio | 10.7061% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $231,317,500 | 2,835 |
| Average earning assets | $220,571,500 | 2,794 |
| Average equity | $19,912,500 | 2,901 |
| Average total loans | $134,051,500 | 2,862 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7002% | 2,523 |
| Cost of funding earning assets | 0.4028% | 2,075 |
| Net interest margin | 3.2974% | 2,569 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.8161% | 4,005 |
| Loan and lease loss provision to assets | 0.4200% | 157 |
| Net operating income to assets | 1.1401% | 2,011 |
| Return on assets (ROA) | 1.1405% | 1,957 |
| Pretax return on assets | 1.1920% | 2,465 |
| Return on Equity (ROE) | 12.7800% | 1,884 |
| Retained earnings to average equity (ytd only) | 2.4552% | 3,871 |
| Net charge-offs to loans | 1.2186% | 56 |
| Credit loss provision to net charge-offs | 60.4141% | 1,772 |
| Earnings coverage of net charge-offs (x) | 2.3368% | 2,509 |
| Efficiency ratio | 53.0527% | 3,878 |
| Assets per employee ($millions) | 9.6042% | 759 |
| Cash dividends to net income (ytd only)* | 80.7932% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 2,618 |
| Loan loss allowance to noncurrent loans | 52.2534% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.3284% | 269 |
| Noncurrent loans to loans | 2.2099% | 231 |
| Net loans and leases to total assets | 59.4200% | 2,692 |
| Net loans and leases to deposits | 67.1685% | 2,798 |
| Net loans and leases to core deposits | 70.6384% | 2,829 |
| Total domestic deposits to total assets | 88.4600% | 1,908 |
| Equity capital to assets | 8.2178% | 2,921 |
| Core capital (leverage) ratio | 11.1583% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $238,753,000 | 2,788 |
| Average earning assets | $229,121,000 | 2,742 |
| Average equity | $21,301,600 | 2,830 |
| Average total loans | $134,750,200 | 2,782 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8393% | 1,638 |
| Cost of funding earning assets | 0.2439% | 2,772 |
| Net interest margin | 3.5954% | 1,399 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.7579% | 4,058 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.7164% | 511 |
| Return on assets (ROA) | 1.7169% | 499 |
| Pretax return on assets | 1.8071% | 722 |
| Return on Equity (ROE) | 18.8900% | 536 |
| Retained earnings to average equity (ytd only) | 8.8373% | 1,711 |
| Net charge-offs to loans | 0.1136% | 553 |
| Credit loss provision to net charge-offs | 231.5789% | 920 |
| Earnings coverage of net charge-offs (x) | 30.9386% | 1,510 |
| Efficiency ratio | 47.3739% | 4,307 |
| Assets per employee ($millions) | 9.3859% | 783 |
| Cash dividends to net income (ytd only)* | 53.2086% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7929% | 739 |
| Loan loss allowance to noncurrent loans | 79.6284% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.2845% | 294 |
| Noncurrent loans to loans | 2.2515% | 251 |
| Net loans and leases to total assets | 56.0300% | 2,900 |
| Net loans and leases to deposits | 61.4386% | 3,075 |
| Net loans and leases to core deposits | 63.5275% | 3,156 |
| Total domestic deposits to total assets | 91.1900% | 1,162 |
| Equity capital to assets | 7.9805% | 2,909 |
| Core capital (leverage) ratio | 11.2712% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $240,816,000 | 2,801 |
| Average earning assets | $231,253,250 | 2,749 |
| Average equity | $21,891,500 | 2,832 |
| Average total loans | $133,797,750 | 2,793 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6549% | 1,669 |
| Cost of funding earning assets | 0.1945% | 2,983 |
| Net interest margin | 3.4604% | 1,417 |
| Noninterest income to average assets | 0.2553% | 3,642 |
| Noninterest expense to average assets | 1.7911% | 3,979 |
| Loan and lease loss provision to assets | 0.1894% | 459 |
| Net operating income to assets | 1.5202% | 674 |
| Return on assets (ROA) | 1.5210% | 653 |
| Pretax return on assets | 1.6008% | 936 |
| Return on Equity (ROE) | 16.0982% | 685 |
| Retained earnings to average equity (ytd only) | 6.5107% | 2,172 |
| Net charge-offs to loans | 0.1196% | 514 |
| Credit loss provision to net charge-offs | 287.5000% | 817 |
| Earnings coverage of net charge-offs (x) | 27.1625% | 1,434 |
| Efficiency ratio | 50.0230% | 4,246 |
| Assets per employee ($millions) | 9.1638% | 836 |
| Cash dividends to net income (ytd only)* | 59.5560% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 783 |
| Loan loss allowance to noncurrent loans | 69.2241% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 248 |
| Noncurrent loans to loans | 2.6313% | 212 |
| Net loans and leases to total assets | 54.2945% | 2,929 |
| Net loans and leases to deposits | 59.6021% | 3,085 |
| Net loans and leases to core deposits | 61.5958% | 3,149 |
| Total domestic deposits to total assets | 91.0949% | 1,183 |
| Equity capital to assets | 8.6566% | 2,648 |
| Core capital (leverage) ratio | 10.3888% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,872,333 | 2,811 |
| Average earning assets | $233,384,333 | 2,766 |
| Average equity | $22,946,667 | 2,821 |
| Average total loans | $133,775,333 | 2,812 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5301% | 1,701 |
| Cost of funding earning assets | 0.1971% | 2,842 |
| Net interest margin | 3.3331% | 1,489 |
| Noninterest income to average assets | 0.2986% | 3,331 |
| Noninterest expense to average assets | 1.8697% | 3,754 |
| Loan and lease loss provision to assets | 0.2333% | 288 |
| Net operating income to assets | 1.3134% | 976 |
| Return on assets (ROA) | 1.3150% | 957 |
| Pretax return on assets | 1.3982% | 1,264 |
| Return on Equity (ROE) | 13.3734% | 962 |
| Retained earnings to average equity (ytd only) | 4.2476% | 2,854 |
| Net charge-offs to loans | -0.0208% | 3,934 |
| Credit loss provision to net charge-offs | -2,042.8571% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4266% | 4,093 |
| Assets per employee ($millions) | 9.8900% | 704 |
| Cash dividends to net income (ytd only)* | 68.2382% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7885% | 898 |
| Loan loss allowance to noncurrent loans | 55.6328% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.7448% | 186 |
| Noncurrent loans to loans | 3.2149% | 154 |
| Net loans and leases to total assets | 53.3013% | 2,845 |
| Net loans and leases to deposits | 58.8078% | 3,003 |
| Net loans and leases to core deposits | 60.7213% | 3,087 |
| Total domestic deposits to total assets | 90.6366% | 1,224 |
| Equity capital to assets | 9.2073% | 2,521 |
| Core capital (leverage) ratio | 9.9787% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,179,500 | 2,812 |
| Average earning assets | $235,458,000 | 2,762 |
| Average equity | $24,107,500 | 2,833 |
| Average total loans | $134,782,500 | 2,798 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 907 |
| Cost of funding earning assets | 0.2923% | 2,477 |
| Net interest margin | 3.9689% | 752 |
| Noninterest income to average assets | 0.3749% | 3,190 |
| Noninterest expense to average assets | 1.6511% | 4,360 |
| Loan and lease loss provision to assets | 0.0780% | 1,564 |
| Net operating income to assets | 2.3401% | 193 |
| Return on assets (ROA) | 2.3421% | 202 |
| Pretax return on assets | 2.4652% | 270 |
| Return on Equity (ROE) | 22.7211% | 188 |
| Retained earnings to average equity (ytd only) | 13.6293% | 340 |
| Net charge-offs to loans | 0.1751% | 556 |
| Credit loss provision to net charge-offs | 78.5408% | 1,964 |
| Earnings coverage of net charge-offs (x) | 25.6009% | 1,719 |
| Efficiency ratio | 39.3862% | 4,698 |
| Assets per employee ($millions) | 9.3504% | 828 |
| Cash dividends to net income (ytd only)* | 40.0146% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6620% | 1,135 |
| Loan loss allowance to noncurrent loans | 53.1915% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.7400% | 213 |
| Noncurrent loans to loans | 3.1246% | 181 |
| Net loans and leases to total assets | 54.7604% | 2,757 |
| Net loans and leases to deposits | 61.3171% | 2,954 |
| Net loans and leases to core deposits | 63.3889% | 3,037 |
| Total domestic deposits to total assets | 89.3069% | 1,350 |
| Equity capital to assets | 10.4685% | 2,203 |
| Core capital (leverage) ratio | 9.7421% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,749,000 | 2,818 |
| Average earning assets | $225,779,600 | 2,774 |
| Average equity | $24,197,800 | 2,901 |
| Average total loans | $133,057,400 | 2,812 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4849% | 688 |
| Cost of funding earning assets | 0.3085% | 2,515 |
| Net interest margin | 4.1764% | 570 |
| Noninterest income to average assets | 0.2292% | 4,031 |
| Noninterest expense to average assets | 1.5989% | 4,467 |
| Loan and lease loss provision to assets | 0.1010% | 1,190 |
| Net operating income to assets | 2.4225% | 237 |
| Return on assets (ROA) | 2.4252% | 244 |
| Pretax return on assets | 2.5513% | 314 |
| Return on Equity (ROE) | 23.6240% | 225 |
| Retained earnings to average equity (ytd only) | 14.4133% | 468 |
| Net charge-offs to loans | 0.2275% | 364 |
| Credit loss provision to net charge-offs | 77.8761% | 1,722 |
| Earnings coverage of net charge-offs (x) | 20.4558% | 1,731 |
| Efficiency ratio | 37.6366% | 4,780 |
| Assets per employee ($millions) | 9.9853% | 640 |
| Cash dividends to net income (ytd only)* | 38.9887% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7428% | 1,023 |
| Loan loss allowance to noncurrent loans | 48.7964% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.7761% | 240 |
| Noncurrent loans to loans | 3.5716% | 158 |
| Net loans and leases to total assets | 48.8608% | 3,540 |
| Net loans and leases to deposits | 54.3368% | 3,709 |
| Net loans and leases to core deposits | 56.1000% | 3,766 |
| Total domestic deposits to total assets | 89.9221% | 805 |
| Equity capital to assets | 9.6985% | 3,188 |
| Core capital (leverage) ratio | 9.0336% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,658,750 | 2,863 |
| Average earning assets | $223,885,500 | 2,814 |
| Average equity | $23,884,750 | 2,952 |
| Average total loans | $132,477,250 | 2,861 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 342 |
| Cost of funding earning assets | 0.3353% | 2,445 |
| Net interest margin | 4.6652% | 281 |
| Noninterest income to average assets | 0.2235% | 4,065 |
| Noninterest expense to average assets | 1.6086% | 4,497 |
| Loan and lease loss provision to assets | 0.2459% | 403 |
| Net operating income to assets | 2.7310% | 165 |
| Return on assets (ROA) | 2.7352% | 168 |
| Pretax return on assets | 2.8774% | 214 |
| Return on Equity (ROE) | 26.0858% | 166 |
| Retained earnings to average equity (ytd only) | 16.7055% | 288 |
| Net charge-offs to loans | 0.4865% | 171 |
| Credit loss provision to net charge-offs | 84.6154% | 1,464 |
| Earnings coverage of net charge-offs (x) | 10.7323% | 1,793 |
| Efficiency ratio | 34.0269% | 4,872 |
| Assets per employee ($millions) | 9.6290% | 686 |
| Cash dividends to net income (ytd only)* | 35.9595% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 1,081 |
| Loan loss allowance to noncurrent loans | 51.2295% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.6893% | 302 |
| Noncurrent loans to loans | 3.3012% | 199 |
| Net loans and leases to total assets | 50.3087% | 3,529 |
| Net loans and leases to deposits | 55.7469% | 3,730 |
| Net loans and leases to core deposits | 57.4782% | 3,800 |
| Total domestic deposits to total assets | 90.2447% | 673 |
| Equity capital to assets | 9.4595% | 3,373 |
| Core capital (leverage) ratio | 10.0923% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,672,667 | 2,911 |
| Average earning assets | $215,939,333 | 2,863 |
| Average equity | $23,453,333 | 2,973 |
| Average total loans | $133,602,667 | 2,853 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3228% | 226 |
| Cost of funding earning assets | 0.3926% | 2,154 |
| Net interest margin | 4.9302% | 202 |
| Noninterest income to average assets | 0.2491% | 3,905 |
| Noninterest expense to average assets | 1.7458% | 4,297 |
| Loan and lease loss provision to assets | 0.6870% | 80 |
| Net operating income to assets | 2.4159% | 304 |
| Return on assets (ROA) | 2.4251% | 323 |
| Pretax return on assets | 2.5672% | 391 |
| Return on Equity (ROE) | 21.7799% | 411 |
| Retained earnings to average equity (ytd only) | 12.1660% | 1,110 |
| Net charge-offs to loans | 1.0547% | 70 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 4.7224% | 1,714 |
| Efficiency ratio | 34.9844% | 4,861 |
| Assets per employee ($millions) | 8.1799% | 1,114 |
| Cash dividends to net income (ytd only)* | 44.1413% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 1,082 |
| Loan loss allowance to noncurrent loans | 75.7326% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.4280% | 464 |
| Noncurrent loans to loans | 2.2250% | 447 |
| Net loans and leases to total assets | 63.0966% | 2,157 |
| Net loans and leases to deposits | 71.0056% | 2,419 |
| Net loans and leases to core deposits | 74.1946% | 2,498 |
| Total domestic deposits to total assets | 88.8615% | 1,408 |
| Equity capital to assets | 10.8192% | 1,993 |
| Core capital (leverage) ratio | 10.5469% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,517,500 | 3,038 |
| Average earning assets | $197,640,500 | 2,990 |
| Average equity | $22,883,500 | 3,005 |
| Average total loans | $133,882,000 | 2,849 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9043% | 591 |
| Cost of funding earning assets | 0.7231% | 1,599 |
| Net interest margin | 4.1811% | 665 |
| Noninterest income to average assets | 0.2327% | 4,105 |
| Noninterest expense to average assets | 1.9171% | 4,293 |
| Loan and lease loss provision to assets | 0.0558% | 3,673 |
| Net operating income to assets | 2.1579% | 196 |
| Return on assets (ROA) | 2.1756% | 200 |
| Pretax return on assets | 2.2930% | 260 |
| Return on Equity (ROE) | 19.6027% | 251 |
| Retained earnings to average equity (ytd only) | 9.3542% | 703 |
| Net charge-offs to loans | 0.0838% | 1,624 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 41.7315% | 1,349 |
| Efficiency ratio | 45.1369% | 4,751 |
| Assets per employee ($millions) | 7.3466% | 1,367 |
| Cash dividends to net income (ytd only)* | 52.2814% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7521% | 943 |
| Loan loss allowance to noncurrent loans | 56.3725% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 2.0569% | 268 |
| Noncurrent loans to loans | 3.1081% | 268 |
| Net loans and leases to total assets | 65.0198% | 2,224 |
| Net loans and leases to deposits | 73.6768% | 2,516 |
| Net loans and leases to core deposits | 77.2181% | 2,620 |
| Total domestic deposits to total assets | 88.2500% | 1,349 |
| Equity capital to assets | 11.4727% | 1,904 |
| Core capital (leverage) ratio | 10.2851% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,415,400 | 2,998 |
| Average earning assets | $185,715,800 | 2,945 |
| Average equity | $21,466,400 | 3,056 |
| Average total loans | $128,883,000 | 2,880 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0064% | 595 |
| Cost of funding earning assets | 0.7892% | 1,550 |
| Net interest margin | 4.2172% | 705 |
| Noninterest income to average assets | 0.2303% | 4,116 |
| Noninterest expense to average assets | 1.9141% | 4,306 |
| Loan and lease loss provision to assets | 0.0526% | 3,695 |
| Net operating income to assets | 2.1964% | 205 |
| Return on assets (ROA) | 2.2201% | 215 |
| Pretax return on assets | 2.3366% | 264 |
| Return on Equity (ROE) | 20.1788% | 233 |
| Retained earnings to average equity (ytd only) | 9.7741% | 811 |
| Net charge-offs to loans | 0.0790% | 1,520 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 44.8421% | 1,273 |
| Efficiency ratio | 44.7381% | 4,765 |
| Assets per employee ($millions) | 7.6511% | 1,140 |
| Cash dividends to net income (ytd only)* | 51.5625% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 796 |
| Loan loss allowance to noncurrent loans | 72.2589% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.5408% | 547 |
| Noncurrent loans to loans | 2.4305% | 438 |
| Net loans and leases to total assets | 62.2802% | 2,973 |
| Net loans and leases to deposits | 70.1950% | 3,298 |
| Net loans and leases to core deposits | 73.6073% | 3,347 |
| Total domestic deposits to total assets | 88.7245% | 887 |
| Equity capital to assets | 10.7469% | 2,592 |
| Core capital (leverage) ratio | 9.8792% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,179,750 | 2,994 |
| Average earning assets | $184,477,750 | 2,938 |
| Average equity | $21,143,750 | 3,077 |
| Average total loans | $128,285,750 | 2,888 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2265% | 537 |
| Cost of funding earning assets | 0.8772% | 1,471 |
| Net interest margin | 4.3493% | 677 |
| Noninterest income to average assets | 0.2540% | 3,950 |
| Noninterest expense to average assets | 2.0429% | 4,145 |
| Loan and lease loss provision to assets | 0.1601% | 2,398 |
| Net operating income to assets | 2.1108% | 260 |
| Return on assets (ROA) | 2.1432% | 268 |
| Pretax return on assets | 2.2553% | 329 |
| Return on Equity (ROE) | 19.3157% | 277 |
| Retained earnings to average equity (ytd only) | 8.7344% | 1,094 |
| Net charge-offs to loans | 0.2355% | 668 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 14.8733% | 1,931 |
| Efficiency ratio | 46.1761% | 4,715 |
| Assets per employee ($millions) | 7.5650% | 1,145 |
| Cash dividends to net income (ytd only)* | 54.7809% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7663% | 709 |
| Loan loss allowance to noncurrent loans | 167.5164% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 1,826 |
| Noncurrent loans to loans | 1.0544% | 1,483 |
| Net loans and leases to total assets | 62.6259% | 3,057 |
| Net loans and leases to deposits | 70.3616% | 3,389 |
| Net loans and leases to core deposits | 74.0109% | 3,462 |
| Total domestic deposits to total assets | 89.0058% | 740 |
| Equity capital to assets | 10.5525% | 2,706 |
| Core capital (leverage) ratio | 10.2247% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,379,333 | 3,020 |
| Average earning assets | $179,660,000 | 2,962 |
| Average equity | $20,791,333 | 3,100 |
| Average total loans | $127,394,667 | 2,889 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5033% | 375 |
| Cost of funding earning assets | 1.0025% | 1,409 |
| Net interest margin | 4.5008% | 502 |
| Noninterest income to average assets | 0.3353% | 3,515 |
| Noninterest expense to average assets | 2.3181% | 3,732 |
| Loan and lease loss provision to assets | 0.1408% | 1,981 |
| Net operating income to assets | 2.0734% | 238 |
| Return on assets (ROA) | 2.0968% | 246 |
| Pretax return on assets | 2.2063% | 291 |
| Return on Equity (ROE) | 18.3831% | 243 |
| Retained earnings to average equity (ytd only) | 7.6041% | 1,347 |
| Net charge-offs to loans | 0.2000% | 689 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 16.4921% | 1,526 |
| Efficiency ratio | 49.9518% | 4,668 |
| Assets per employee ($millions) | 6.5784% | 1,306 |
| Cash dividends to net income (ytd only)* | 58.6354% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 666 |
| Loan loss allowance to noncurrent loans | 159.7222% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.8107% | 1,668 |
| Noncurrent loans to loans | 1.1567% | 1,434 |
| Net loans and leases to total assets | 68.7926% | 2,420 |
| Net loans and leases to deposits | 78.4403% | 2,839 |
| Net loans and leases to core deposits | 83.2100% | 2,919 |
| Total domestic deposits to total assets | 87.7006% | 1,230 |
| Equity capital to assets | 11.7623% | 2,243 |
| Core capital (leverage) ratio | 11.0093% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,942,000 | 3,055 |
| Average earning assets | $171,169,000 | 3,008 |
| Average equity | $20,410,000 | 3,130 |
| Average total loans | $125,984,000 | 2,890 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5199% | 544 |
| Cost of funding earning assets | 1.1646% | 1,110 |
| Net interest margin | 4.3553% | 974 |
| Noninterest income to average assets | 0.3109% | 3,837 |
| Noninterest expense to average assets | 1.9987% | 4,533 |
| Loan and lease loss provision to assets | 0.3840% | 384 |
| Net operating income to assets | 2.0058% | 347 |
| Return on assets (ROA) | 2.0074% | 359 |
| Pretax return on assets | 2.1182% | 457 |
| Return on Equity (ROE) | 19.5377% | 239 |
| Retained earnings to average equity (ytd only) | 5.5897% | 2,110 |
| Net charge-offs to loans | 0.1702% | 1,185 |
| Credit loss provision to net charge-offs | 338.0952% | 819 |
| Earnings coverage of net charge-offs (x) | 22.0190% | 1,865 |
| Efficiency ratio | 44.4231% | 4,962 |
| Assets per employee ($millions) | 6.6765% | 1,194 |
| Cash dividends to net income (ytd only)* | 71.3901% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 650 |
| Loan loss allowance to noncurrent loans | 189.7690% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6723% | 1,912 |
| Noncurrent loans to loans | 0.9507% | 1,611 |
| Net loans and leases to total assets | 69.4418% | 2,489 |
| Net loans and leases to deposits | 80.5291% | 2,719 |
| Net loans and leases to core deposits | 86.1291% | 2,780 |
| Total domestic deposits to total assets | 86.2320% | 1,970 |
| Equity capital to assets | 11.0548% | 2,942 |
| Core capital (leverage) ratio | 10.4073% | 3,065 |
| Tier 1 risk-based capital ratio | 14.4152% | 3,063 |
| Total risk-based capital ratio | 15.6709% | 2,966 |
| Memoranda: | ||
| Average total assets | $184,917,400 | 2,964 |
| Average earning assets | $177,830,800 | 2,906 |
| Average equity | $18,999,200 | 3,224 |
| Average total loans | $123,411,600 | 2,904 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5355% | 559 |
| Cost of funding earning assets | 1.1649% | 1,126 |
| Net interest margin | 4.3706% | 1,010 |
| Noninterest income to average assets | 0.2988% | 3,950 |
| Noninterest expense to average assets | 1.9833% | 4,588 |
| Loan and lease loss provision to assets | 0.4808% | 248 |
| Net operating income to assets | 1.9225% | 468 |
| Return on assets (ROA) | 1.9246% | 486 |
| Pretax return on assets | 2.0442% | 624 |
| Return on Equity (ROE) | 19.0826% | 307 |
| Retained earnings to average equity (ytd only) | 4.1632% | 3,327 |
| Net charge-offs to loans | 0.1863% | 927 |
| Credit loss provision to net charge-offs | 392.3977% | 774 |
| Earnings coverage of net charge-offs (x) | 20.5910% | 1,951 |
| Efficiency ratio | 44.0134% | 5,013 |
| Assets per employee ($millions) | 6.9269% | 1,048 |
| Cash dividends to net income (ytd only)* | 78.1833% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8635% | 589 |
| Loan loss allowance to noncurrent loans | 234.4546% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.5245% | 2,430 |
| Noncurrent loans to loans | 0.7948% | 1,990 |
| Net loans and leases to total assets | 64.7616% | 3,208 |
| Net loans and leases to deposits | 72.9790% | 3,557 |
| Net loans and leases to core deposits | 77.4416% | 3,594 |
| Total domestic deposits to total assets | 88.7401% | 720 |
| Equity capital to assets | 10.5531% | 3,502 |
| Core capital (leverage) ratio | 9.8871% | 3,749 |
| Tier 1 risk-based capital ratio | 14.4506% | 3,103 |
| Total risk-based capital ratio | 15.7066% | 3,017 |
| Memoranda: | ||
| Average total assets | $186,080,250 | 2,980 |
| Average earning assets | $179,130,250 | 2,917 |
| Average equity | $18,767,000 | 3,273 |
| Average total loans | $122,394,500 | 2,947 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4119% | 664 |
| Cost of funding earning assets | 1.1126% | 1,252 |
| Net interest margin | 4.2993% | 1,148 |
| Noninterest income to average assets | 0.3251% | 3,767 |
| Noninterest expense to average assets | 2.0079% | 4,590 |
| Loan and lease loss provision to assets | 0.1313% | 1,426 |
| Net operating income to assets | 2.2094% | 263 |
| Return on assets (ROA) | 2.2125% | 271 |
| Pretax return on assets | 2.3287% | 335 |
| Return on Equity (ROE) | 22.2841% | 156 |
| Retained earnings to average equity (ytd only) | 7.6449% | 1,543 |
| Net charge-offs to loans | 0.1999% | 822 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 18.7049% | 1,849 |
| Efficiency ratio | 44.9723% | 5,026 |
| Assets per employee ($millions) | 7.1000% | 956 |
| Cash dividends to net income (ytd only)* | 65.6934% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 1,396 |
| Loan loss allowance to noncurrent loans | 142.9706% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.6568% | 2,072 |
| Noncurrent loans to loans | 1.0199% | 1,609 |
| Net loans and leases to total assets | 63.4545% | 3,401 |
| Net loans and leases to deposits | 71.0424% | 3,761 |
| Net loans and leases to core deposits | 75.0577% | 3,813 |
| Total domestic deposits to total assets | 89.3193% | 530 |
| Equity capital to assets | 10.1147% | 3,873 |
| Core capital (leverage) ratio | 9.7844% | 3,841 |
| Tier 1 risk-based capital ratio | 14.4573% | 3,083 |
| Total risk-based capital ratio | 15.7091% | 3,006 |
| Memoranda: | ||
| Average total assets | $185,765,000 | 2,993 |
| Average earning assets | $178,866,000 | 2,932 |
| Average equity | $18,443,670 | 3,300 |
| Average total loans | $122,052,330 | 2,958 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3762% | 663 |
| Cost of funding earning assets | 1.0356% | 1,427 |
| Net interest margin | 4.3406% | 1,025 |
| Noninterest income to average assets | 0.3239% | 3,694 |
| Noninterest expense to average assets | 2.1204% | 4,428 |
| Loan and lease loss provision to assets | 0.0241% | 3,118 |
| Net operating income to assets | 2.2343% | 259 |
| Return on assets (ROA) | 2.2364% | 269 |
| Pretax return on assets | 2.3545% | 325 |
| Return on Equity (ROE) | 22.7484% | 152 |
| Retained earnings to average equity (ytd only) | 9.3932% | 1,196 |
| Net charge-offs to loans | 0.0363% | 1,751 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 98.7273% | 672 |
| Efficiency ratio | 47.1533% | 4,978 |
| Assets per employee ($millions) | 7.1776% | 924 |
| Cash dividends to net income (ytd only)* | 58.7084% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 1,369 |
| Loan loss allowance to noncurrent loans | 87.3786% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.1039% | 1,256 |
| Noncurrent loans to loans | 1.7038% | 906 |
| Net loans and leases to total assets | 63.8224% | 3,310 |
| Net loans and leases to deposits | 71.2166% | 3,664 |
| Net loans and leases to core deposits | 74.3958% | 3,775 |
| Total domestic deposits to total assets | 89.6173% | 592 |
| Equity capital to assets | 9.8490% | 3,971 |
| Core capital (leverage) ratio | 10.0437% | 3,558 |
| Tier 1 risk-based capital ratio | 14.1681% | 3,261 |
| Total risk-based capital ratio | 15.4191% | 3,184 |
| Memoranda: | ||
| Average total assets | $182,797,000 | 3,060 |
| Average earning assets | $175,736,500 | 2,994 |
| Average equity | $17,970,500 | 3,354 |
| Average total loans | $121,357,000 | 3,006 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1946% | 708 |
| Cost of funding earning assets | 0.8166% | 1,451 |
| Net interest margin | 4.3780% | 989 |
| Noninterest income to average assets | 0.3609% | 3,681 |
| Noninterest expense to average assets | 1.8830% | 4,918 |
| Loan and lease loss provision to assets | 0.0654% | 2,842 |
| Net operating income to assets | 2.4935% | 152 |
| Return on assets (ROA) | 2.3445% | 193 |
| Pretax return on assets | 2.4701% | 220 |
| Return on Equity (ROE) | 23.8608% | 105 |
| Retained earnings to average equity (ytd only) | 3.2393% | 3,783 |
| Net charge-offs to loans | 0.0130% | 3,247 |
| Credit loss provision to net charge-offs | 766.6667% | 464 |
| Earnings coverage of net charge-offs (x) | 315.8000% | 318 |
| Efficiency ratio | 41.1553% | 5,258 |
| Assets per employee ($millions) | 6.8837% | 1,031 |
| Cash dividends to net income (ytd only)* | 86.4242% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 1,359 |
| Loan loss allowance to noncurrent loans | 125.2610% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8029% | 1,736 |
| Noncurrent loans to loans | 1.1797% | 1,362 |
| Net loans and leases to total assets | 67.0537% | 2,994 |
| Net loans and leases to deposits | 75.3552% | 3,401 |
| Net loans and leases to core deposits | 78.1142% | 3,573 |
| Total domestic deposits to total assets | 88.9834% | 866 |
| Equity capital to assets | 9.8119% | 3,851 |
| Core capital (leverage) ratio | 9.9924% | 3,585 |
| Tier 1 risk-based capital ratio | 13.6103% | 3,488 |
| Total risk-based capital ratio | 14.8614% | 3,396 |
| Memoranda: | ||
| Average total assets | $175,943,600 | 3,102 |
| Average earning assets | $169,367,800 | 3,033 |
| Average equity | $17,287,800 | 3,362 |
| Average total loans | $115,217,800 | 3,056 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1137% | 738 |
| Cost of funding earning assets | 0.7739% | 1,453 |
| Net interest margin | 4.3398% | 1,035 |
| Noninterest income to average assets | 0.3646% | 3,693 |
| Noninterest expense to average assets | 1.8388% | 4,997 |
| Loan and lease loss provision to assets | 0.0015% | 3,929 |
| Net operating income to assets | 2.5694% | 142 |
| Return on assets (ROA) | 2.5702% | 141 |
| Pretax return on assets | 2.7034% | 167 |
| Return on Equity (ROE) | 26.1480% | 68 |
| Retained earnings to average equity (ytd only) | 3.1901% | 4,150 |
| Net charge-offs to loans | 0.0024% | 3,402 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 1,774.2360% | 37 |
| Efficiency ratio | 40.4758% | 5,322 |
| Assets per employee ($millions) | 6.7231% | 1,067 |
| Cash dividends to net income (ytd only)* | 87.7998% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 1,472 |
| Loan loss allowance to noncurrent loans | 162.0591% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 2,382 |
| Noncurrent loans to loans | 0.9042% | 1,892 |
| Net loans and leases to total assets | 65.3959% | 3,259 |
| Net loans and leases to deposits | 72.9710% | 3,682 |
| Net loans and leases to core deposits | 75.7520% | 3,820 |
| Total domestic deposits to total assets | 89.6190% | 630 |
| Equity capital to assets | 9.8289% | 3,797 |
| Core capital (leverage) ratio | 10.0181% | 3,614 |
| Tier 1 risk-based capital ratio | 14.2673% | 3,235 |
| Total risk-based capital ratio | 15.5185% | 3,147 |
| Memoranda: | ||
| Average total assets | $175,185,500 | 3,129 |
| Average earning assets | $168,665,750 | 3,061 |
| Average equity | $17,219,500 | 3,402 |
| Average total loans | $113,569,750 | 3,108 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0316% | 766 |
| Cost of funding earning assets | 0.7437% | 1,408 |
| Net interest margin | 4.2879% | 1,059 |
| Noninterest income to average assets | 0.3730% | 3,662 |
| Noninterest expense to average assets | 1.9200% | 4,931 |
| Loan and lease loss provision to assets | -0.0331% | 5,349 |
| Net operating income to assets | 2.4882% | 153 |
| Return on assets (ROA) | 2.4892% | 152 |
| Pretax return on assets | 2.6182% | 178 |
| Return on Equity (ROE) | 25.3245% | 76 |
| Retained earnings to average equity (ytd only) | -3.2845% | 5,227 |
| Net charge-offs to loans | -0.0514% | 4,934 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6292% | 5,322 |
| Assets per employee ($millions) | 6.8580% | 987 |
| Cash dividends to net income (ytd only)* | 112.9698% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 1,378 |
| Loan loss allowance to noncurrent loans | 209.3596% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 2,910 |
| Noncurrent loans to loans | 0.7193% | 2,312 |
| Net loans and leases to total assets | 62.3559% | 3,560 |
| Net loans and leases to deposits | 69.1170% | 3,940 |
| Net loans and leases to core deposits | 72.0885% | 4,001 |
| Total domestic deposits to total assets | 90.2180% | 496 |
| Equity capital to assets | 9.3855% | 4,200 |
| Core capital (leverage) ratio | 9.6431% | 3,951 |
| Tier 1 risk-based capital ratio | 14.2539% | 3,231 |
| Total risk-based capital ratio | 15.5055% | 3,150 |
| Memoranda: | ||
| Average total assets | $175,314,000 | 3,144 |
| Average earning assets | $168,893,000 | 3,076 |
| Average equity | $17,232,330 | 3,416 |
| Average total loans | $112,755,670 | 3,130 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 678 |
| Cost of funding earning assets | 0.7171% | 1,359 |
| Net interest margin | 4.2977% | 951 |
| Noninterest income to average assets | 0.4004% | 3,468 |
| Noninterest expense to average assets | 1.9745% | 4,897 |
| Loan and lease loss provision to assets | -0.1795% | 5,545 |
| Net operating income to assets | 2.6073% | 120 |
| Return on assets (ROA) | 2.6073% | 121 |
| Pretax return on assets | 2.7431% | 145 |
| Return on Equity (ROE) | 25.9253% | 77 |
| Retained earnings to average equity (ytd only) | 8.7638% | 1,549 |
| Net charge-offs to loans | -0.2769% | 5,436 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5091% | 5,358 |
| Assets per employee ($millions) | 6.8450% | 1,030 |
| Cash dividends to net income (ytd only)* | 66.1959% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 1,432 |
| Loan loss allowance to noncurrent loans | 230.9783% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 3,177 |
| Noncurrent loans to loans | 0.6534% | 2,590 |
| Net loans and leases to total assets | 62.3386% | 3,507 |
| Net loans and leases to deposits | 69.3404% | 3,841 |
| Net loans and leases to core deposits | 71.9864% | 3,962 |
| Total domestic deposits to total assets | 89.9022% | 700 |
| Equity capital to assets | 9.8151% | 3,776 |
| Core capital (leverage) ratio | 10.1895% | 3,317 |
| Tier 1 risk-based capital ratio | 14.4939% | 3,122 |
| Total risk-based capital ratio | 15.7450% | 3,029 |
| Memoranda: | ||
| Average total assets | $173,817,500 | 3,204 |
| Average earning assets | $167,345,500 | 3,127 |
| Average equity | $17,481,000 | 3,419 |
| Average total loans | $112,691,000 | 3,151 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0857% | 550 |
| Cost of funding earning assets | 0.5476% | 1,973 |
| Net interest margin | 4.5381% | 567 |
| Noninterest income to average assets | 0.3962% | 3,662 |
| Noninterest expense to average assets | 2.0563% | 4,868 |
| Loan and lease loss provision to assets | 0.2803% | 634 |
| Net operating income to assets | 2.3117% | 158 |
| Return on assets (ROA) | 2.3117% | 157 |
| Pretax return on assets | 2.4219% | 210 |
| Return on Equity (ROE) | 21.5243% | 143 |
| Retained earnings to average equity (ytd only) | 4.1239% | 2,694 |
| Net charge-offs to loans | 0.1415% | 1,659 |
| Credit loss provision to net charge-offs | 300.0000% | 939 |
| Earnings coverage of net charge-offs (x) | 28.9200% | 1,586 |
| Efficiency ratio | 43.2125% | 5,473 |
| Assets per employee ($millions) | 6.5256% | 1,198 |
| Cash dividends to net income (ytd only)* | 80.8407% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,383 |
| Loan loss allowance to noncurrent loans | 268.5624% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 3,373 |
| Noncurrent loans to loans | 0.5615% | 2,812 |
| Net loans and leases to total assets | 65.4454% | 3,165 |
| Net loans and leases to deposits | 73.5692% | 3,551 |
| Net loans and leases to core deposits | 77.0530% | 3,662 |
| Total domestic deposits to total assets | 88.9577% | 1,021 |
| Equity capital to assets | 10.3109% | 3,377 |
| Core capital (leverage) ratio | 10.4235% | 2,943 |
| Tier 1 risk-based capital ratio | 14.3026% | 3,195 |
| Total risk-based capital ratio | 15.5537% | 3,092 |
| Memoranda: | ||
| Average total assets | $160,532,400 | 3,343 |
| Average earning assets | $154,315,400 | 3,267 |
| Average equity | $17,241,000 | 3,463 |
| Average total loans | $106,024,800 | 3,249 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0790% | 524 |
| Cost of funding earning assets | 0.5218% | 2,097 |
| Net interest margin | 4.5573% | 531 |
| Noninterest income to average assets | 0.4238% | 3,526 |
| Noninterest expense to average assets | 1.9816% | 4,992 |
| Loan and lease loss provision to assets | 0.1424% | 1,485 |
| Net operating income to assets | 2.5562% | 128 |
| Return on assets (ROA) | 2.5562% | 129 |
| Pretax return on assets | 2.6784% | 161 |
| Return on Equity (ROE) | 23.5492% | 94 |
| Retained earnings to average equity (ytd only) | 6.0853% | 2,181 |
| Net charge-offs to loans | -0.0383% | 5,082 |
| Credit loss provision to net charge-offs | -563.3333% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2632% | 5,549 |
| Assets per employee ($millions) | 6.3209% | 1,295 |
| Cash dividends to net income (ytd only)* | 74.1597% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 1,571 |
| Loan loss allowance to noncurrent loans | 231.2139% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 3,336 |
| Noncurrent loans to loans | 0.6446% | 2,782 |
| Net loans and leases to total assets | 64.3504% | 3,340 |
| Net loans and leases to deposits | 73.0990% | 3,656 |
| Net loans and leases to core deposits | 77.6955% | 3,666 |
| Total domestic deposits to total assets | 88.0318% | 1,347 |
| Equity capital to assets | 10.8760% | 2,987 |
| Core capital (leverage) ratio | 11.0206% | 2,441 |
| Tier 1 risk-based capital ratio | 14.9373% | 2,947 |
| Total risk-based capital ratio | 16.1881% | 2,869 |
| Memoranda: | ||
| Average total assets | $158,249,250 | 3,398 |
| Average earning assets | $152,046,250 | 3,326 |
| Average equity | $17,177,750 | 3,506 |
| Average total loans | $104,346,500 | 3,301 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0804% | 494 |
| Cost of funding earning assets | 0.4930% | 2,227 |
| Net interest margin | 4.5874% | 485 |
| Noninterest income to average assets | 0.4302% | 3,488 |
| Noninterest expense to average assets | 2.0856% | 4,797 |
| Loan and lease loss provision to assets | 0.3034% | 504 |
| Net operating income to assets | 2.3429% | 161 |
| Return on assets (ROA) | 2.3429% | 160 |
| Pretax return on assets | 2.4491% | 231 |
| Return on Equity (ROE) | 21.5984% | 154 |
| Retained earnings to average equity (ytd only) | 3.8948% | 3,379 |
| Net charge-offs to loans | 0.4587% | 435 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 9.0717% | 2,468 |
| Efficiency ratio | 43.1066% | 5,546 |
| Assets per employee ($millions) | 6.2854% | 1,260 |
| Cash dividends to net income (ytd only)* | 81.9672% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 2,197 |
| Loan loss allowance to noncurrent loans | 240.9639% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 3,636 |
| Noncurrent loans to loans | 0.5584% | 3,063 |
| Net loans and leases to total assets | 65.3211% | 3,206 |
| Net loans and leases to deposits | 75.6541% | 3,383 |
| Net loans and leases to core deposits | 83.1777% | 3,157 |
| Total domestic deposits to total assets | 86.3418% | 2,221 |
| Equity capital to assets | 11.0955% | 2,708 |
| Core capital (leverage) ratio | 10.8527% | 2,548 |
| Tier 1 risk-based capital ratio | 15.2707% | 2,817 |
| Total risk-based capital ratio | 16.5199% | 2,747 |
| Memoranda: | ||
| Average total assets | $156,217,670 | 3,438 |
| Average earning assets | $150,105,330 | 3,368 |
| Average equity | $16,945,670 | 3,538 |
| Average total loans | $103,343,330 | 3,331 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 524 |
| Cost of funding earning assets | 0.4760% | 2,294 |
| Net interest margin | 4.5301% | 496 |
| Noninterest income to average assets | 0.4314% | 3,436 |
| Noninterest expense to average assets | 2.1983% | 4,652 |
| Loan and lease loss provision to assets | 0.1335% | 1,433 |
| Net operating income to assets | 2.3447% | 179 |
| Return on assets (ROA) | 2.3447% | 179 |
| Pretax return on assets | 2.4499% | 238 |
| Return on Equity (ROE) | 21.8670% | 154 |
| Retained earnings to average equity (ytd only) | 3.9040% | 3,496 |
| Net charge-offs to loans | 0.2020% | 855 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 19.3462% | 1,533 |
| Efficiency ratio | 45.9721% | 5,531 |
| Assets per employee ($millions) | 6.0154% | 1,502 |
| Cash dividends to net income (ytd only)* | 82.1468% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 2,242 |
| Loan loss allowance to noncurrent loans | 207.4074% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 3,466 |
| Noncurrent loans to loans | 0.6573% | 2,863 |
| Net loans and leases to total assets | 64.7679% | 3,155 |
| Net loans and leases to deposits | 72.8378% | 3,527 |
| Net loans and leases to core deposits | 81.7320% | 3,115 |
| Total domestic deposits to total assets | 88.9207% | 1,180 |
| Equity capital to assets | 10.7877% | 2,870 |
| Core capital (leverage) ratio | 10.8518% | 2,539 |
| Tier 1 risk-based capital ratio | 15.1026% | 2,922 |
| Total risk-based capital ratio | 16.3521% | 2,853 |
| Memoranda: | ||
| Average total assets | $155,758,500 | 3,478 |
| Average earning assets | $149,578,000 | 3,407 |
| Average equity | $16,701,000 | 3,583 |
| Average total loans | $102,993,500 | 3,364 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 536 |
| Cost of funding earning assets | 0.4211% | 2,798 |
| Net interest margin | 4.6368% | 474 |
| Noninterest income to average assets | 0.4571% | 3,497 |
| Noninterest expense to average assets | 2.0647% | 5,066 |
| Loan and lease loss provision to assets | 0.1925% | 1,214 |
| Net operating income to assets | 2.5238% | 140 |
| Return on assets (ROA) | 2.4301% | 161 |
| Pretax return on assets | 2.5441% | 190 |
| Return on Equity (ROE) | 21.6176% | 159 |
| Retained earnings to average equity (ytd only) | 4.1418% | 2,958 |
| Net charge-offs to loans | 0.0956% | 2,337 |
| Credit loss provision to net charge-offs | 312.7660% | 949 |
| Earnings coverage of net charge-offs (x) | 46.0426% | 1,063 |
| Efficiency ratio | 42.1468% | 5,742 |
| Assets per employee ($millions) | 6.2047% | 1,331 |
| Cash dividends to net income (ytd only)* | 80.8407% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 2,280 |
| Loan loss allowance to noncurrent loans | 212.7660% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 3,574 |
| Noncurrent loans to loans | 0.6370% | 2,943 |
| Net loans and leases to total assets | 65.6859% | 3,116 |
| Net loans and leases to deposits | 76.8592% | 3,219 |
| Net loans and leases to core deposits | 91.4328% | 2,352 |
| Total domestic deposits to total assets | 85.4626% | 2,851 |
| Equity capital to assets | 10.6565% | 2,972 |
| Core capital (leverage) ratio | 10.6903% | 2,669 |
| Tier 1 risk-based capital ratio | 15.0955% | 2,927 |
| Total risk-based capital ratio | 16.3448% | 2,858 |
| Memoranda: | ||
| Average total assets | $152,707,000 | 3,474 |
| Average earning assets | $146,285,000 | 3,415 |
| Average equity | $17,166,600 | 3,534 |
| Average total loans | $98,356,600 | 3,417 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0379% | 552 |
| Cost of funding earning assets | 0.4075% | 2,950 |
| Net interest margin | 4.6304% | 479 |
| Noninterest income to average assets | 0.4821% | 3,366 |
| Noninterest expense to average assets | 2.0266% | 5,149 |
| Loan and lease loss provision to assets | 0.3918% | 378 |
| Net operating income to assets | 2.3951% | 185 |
| Return on assets (ROA) | 2.4246% | 184 |
| Pretax return on assets | 2.5272% | 211 |
| Return on Equity (ROE) | 21.2857% | 180 |
| Retained earnings to average equity (ytd only) | 3.9709% | 3,481 |
| Net charge-offs to loans | 0.3391% | 679 |
| Credit loss provision to net charge-offs | 180.9717% | 1,551 |
| Earnings coverage of net charge-offs (x) | 13.3399% | 2,319 |
| Efficiency ratio | 41.2342% | 5,804 |
| Assets per employee ($millions) | 6.2258% | 1,281 |
| Cash dividends to net income (ytd only)* | 81.3450% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 2,230 |
| Loan loss allowance to noncurrent loans | 211.8003% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 3,723 |
| Noncurrent loans to loans | 0.6579% | 3,057 |
| Net loans and leases to total assets | 63.6568% | 3,444 |
| Net loans and leases to deposits | 76.4184% | 3,361 |
| Net loans and leases to core deposits | 91.7967% | 2,408 |
| Total domestic deposits to total assets | 83.3004% | 3,483 |
| Equity capital to assets | 11.2642% | 2,730 |
| Core capital (leverage) ratio | 10.9297% | 2,529 |
| Tier 1 risk-based capital ratio | 15.3340% | 2,900 |
| Total risk-based capital ratio | 16.5845% | 2,831 |
| Memoranda: | ||
| Average total assets | $152,104,500 | 3,500 |
| Average earning assets | $145,613,500 | 3,443 |
| Average equity | $17,325,750 | 3,535 |
| Average total loans | $97,123,250 | 3,449 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 522 |
| Cost of funding earning assets | 0.3946% | 3,099 |
| Net interest margin | 4.6704% | 441 |
| Noninterest income to average assets | 0.5248% | 3,036 |
| Noninterest expense to average assets | 2.0514% | 5,168 |
| Loan and lease loss provision to assets | 0.0914% | 2,320 |
| Net operating income to assets | 2.7387% | 106 |
| Return on assets (ROA) | 2.7616% | 102 |
| Pretax return on assets | 2.8756% | 133 |
| Return on Equity (ROE) | 24.1525% | 102 |
| Retained earnings to average equity (ytd only) | 6.7683% | 1,731 |
| Net charge-offs to loans | 0.0396% | 2,668 |
| Credit loss provision to net charge-offs | 363.1579% | 836 |
| Earnings coverage of net charge-offs (x) | 116.8947% | 503 |
| Efficiency ratio | 41.0719% | 5,886 |
| Assets per employee ($millions) | 6.0311% | 1,376 |
| Cash dividends to net income (ytd only)* | 71.9770% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,777 |
| Loan loss allowance to noncurrent loans | 360.2305% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 4,571 |
| Noncurrent loans to loans | 0.3612% | 4,075 |
| Net loans and leases to total assets | 62.8916% | 3,519 |
| Net loans and leases to deposits | 73.5850% | 3,640 |
| Net loans and leases to core deposits | 89.3321% | 2,598 |
| Total domestic deposits to total assets | 85.4679% | 2,658 |
| Equity capital to assets | 11.7558% | 2,309 |
| Core capital (leverage) ratio | 10.9512% | 2,487 |
| Tier 1 risk-based capital ratio | 16.2938% | 2,507 |
| Total risk-based capital ratio | 17.5219% | 2,463 |
| Memoranda: | ||
| Average total assets | $150,924,670 | 3,549 |
| Average earning assets | $144,442,670 | 3,474 |
| Average equity | $17,257,000 | 3,551 |
| Average total loans | $96,005,000 | 3,479 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0185% | 557 |
| Cost of funding earning assets | 0.3856% | 3,235 |
| Net interest margin | 4.6329% | 472 |
| Noninterest income to average assets | 0.6835% | 2,118 |
| Noninterest expense to average assets | 2.0980% | 5,114 |
| Loan and lease loss provision to assets | -0.0238% | 5,916 |
| Net operating income to assets | 2.9200% | 105 |
| Return on assets (ROA) | 2.9378% | 104 |
| Pretax return on assets | 3.0517% | 126 |
| Return on Equity (ROE) | 26.0589% | 86 |
| Retained earnings to average equity (ytd only) | 8.4356% | 1,287 |
| Net charge-offs to loans | -0.0375% | 5,175 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0788% | 5,940 |
| Assets per employee ($millions) | 6.0926% | 1,345 |
| Cash dividends to net income (ytd only)* | 67.6285% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 3,308 |
| Loan loss allowance to noncurrent loans | 394.7368% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 4,759 |
| Noncurrent loans to loans | 0.3116% | 4,312 |
| Net loans and leases to total assets | 63.2663% | 3,348 |
| Net loans and leases to deposits | 74.3532% | 3,400 |
| Net loans and leases to core deposits | 85.6957% | 2,776 |
| Total domestic deposits to total assets | 85.0888% | 3,095 |
| Equity capital to assets | 11.3259% | 2,598 |
| Core capital (leverage) ratio | 10.9771% | 2,427 |
| Tier 1 risk-based capital ratio | 15.5116% | 2,906 |
| Total risk-based capital ratio | 16.6494% | 2,909 |
| Memoranda: | ||
| Average total assets | $150,998,500 | 3,571 |
| Average earning assets | $144,185,500 | 3,495 |
| Average equity | $17,023,000 | 3,587 |
| Average total loans | $95,969,500 | 3,496 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 732 |
| Cost of funding earning assets | 0.3835% | 3,336 |
| Net interest margin | 4.5383% | 612 |
| Noninterest income to average assets | 0.3507% | 4,395 |
| Noninterest expense to average assets | 1.9675% | 5,515 |
| Loan and lease loss provision to assets | 0.1389% | 1,706 |
| Net operating income to assets | 2.4403% | 165 |
| Return on assets (ROA) | 2.4403% | 169 |
| Pretax return on assets | 2.5462% | 184 |
| Return on Equity (ROE) | 22.1792% | 165 |
| Retained earnings to average equity (ytd only) | 3.7885% | 3,335 |
| Net charge-offs to loans | 0.2302% | 1,293 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 19.3252% | 1,954 |
| Efficiency ratio | 42.2876% | 6,020 |
| Assets per employee ($millions) | 5.9873% | 1,400 |
| Cash dividends to net income (ytd only)* | 82.9187% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 3,057 |
| Loan loss allowance to noncurrent loans | 816.3265% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 5,220 |
| Noncurrent loans to loans | 0.1558% | 4,870 |
| Net loans and leases to total assets | 62.2486% | 3,522 |
| Net loans and leases to deposits | 75.7711% | 3,283 |
| Net loans and leases to core deposits | 88.0546% | 2,598 |
| Total domestic deposits to total assets | 82.1535% | 4,129 |
| Equity capital to assets | 11.2205% | 2,623 |
| Core capital (leverage) ratio | 10.8758% | 2,524 |
| Tier 1 risk-based capital ratio | 15.6199% | 2,871 |
| Total risk-based capital ratio | 16.7913% | 2,847 |
| Memoranda: | ||
| Average total assets | $148,259,800 | 3,596 |
| Average earning assets | $140,536,000 | 3,533 |
| Average equity | $16,312,600 | 3,626 |
| Average total loans | $89,490,200 | 3,599 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9132% | 748 |
| Cost of funding earning assets | 0.3806% | 3,431 |
| Net interest margin | 4.5326% | 611 |
| Noninterest income to average assets | 0.3615% | 4,347 |
| Noninterest expense to average assets | 1.8913% | 5,653 |
| Loan and lease loss provision to assets | 0.1884% | 1,085 |
| Net operating income to assets | 2.4691% | 164 |
| Return on assets (ROA) | 2.4691% | 173 |
| Pretax return on assets | 2.5764% | 214 |
| Return on Equity (ROE) | 22.5538% | 178 |
| Retained earnings to average equity (ytd only) | -2.1491% | 5,871 |
| Net charge-offs to loans | 0.3157% | 842 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 14.6746% | 2,240 |
| Efficiency ratio | 40.6196% | 6,116 |
| Assets per employee ($millions) | 6.1324% | 1,280 |
| Cash dividends to net income (ytd only)* | 109.5290% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 2,845 |
| Loan loss allowance to noncurrent loans | 2,448.9796% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 5,656 |
| Noncurrent loans to loans | 0.0552% | 5,399 |
| Net loans and leases to total assets | 59.5419% | 3,933 |
| Net loans and leases to deposits | 70.3775% | 3,937 |
| Net loans and leases to core deposits | 83.9612% | 3,043 |
| Total domestic deposits to total assets | 84.6036% | 3,175 |
| Equity capital to assets | 10.8482% | 3,195 |
| Core capital (leverage) ratio | 10.4027% | 3,164 |
| Tier 1 risk-based capital ratio | 15.3587% | 3,111 |
| Total risk-based capital ratio | 16.5775% | 3,055 |
| Memoranda: | ||
| Average total assets | $147,904,250 | 3,633 |
| Average earning assets | $140,136,000 | 3,571 |
| Average equity | $16,192,000 | 3,677 |
| Average total loans | $88,269,000 | 3,657 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 763 |
| Cost of funding earning assets | 0.3734% | 3,566 |
| Net interest margin | 4.5083% | 630 |
| Noninterest income to average assets | 0.3699% | 4,296 |
| Noninterest expense to average assets | 1.9926% | 5,547 |
| Loan and lease loss provision to assets | 0.1094% | 2,005 |
| Net operating income to assets | 2.4327% | 186 |
| Return on assets (ROA) | 2.4327% | 193 |
| Pretax return on assets | 2.5380% | 239 |
| Return on Equity (ROE) | 22.1548% | 190 |
| Retained earnings to average equity (ytd only) | 7.4013% | 1,519 |
| Net charge-offs to loans | 0.1839% | 1,355 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 24.2099% | 1,570 |
| Efficiency ratio | 42.9444% | 6,147 |
| Assets per employee ($millions) | 5.8688% | 1,450 |
| Cash dividends to net income (ytd only)* | 66.5927% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 2,759 |
| Loan loss allowance to noncurrent loans | 930.2326% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 5,510 |
| Noncurrent loans to loans | 0.1505% | 5,147 |
| Net loans and leases to total assets | 57.5947% | 4,156 |
| Net loans and leases to deposits | 65.6681% | 4,369 |
| Net loans and leases to core deposits | 77.3270% | 3,639 |
| Total domestic deposits to total assets | 87.7058% | 1,787 |
| Equity capital to assets | 11.3175% | 2,561 |
| Core capital (leverage) ratio | 10.6280% | 2,820 |
| Tier 1 risk-based capital ratio | 16.3392% | 2,696 |
| Total risk-based capital ratio | 17.5658% | 2,661 |
| Memoranda: | ||
| Average total assets | $148,146,670 | 3,655 |
| Average earning assets | $140,317,670 | 3,595 |
| Average equity | $16,267,330 | 3,682 |
| Average total loans | $88,081,330 | 3,691 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9072% | 687 |
| Cost of funding earning assets | 0.3552% | 3,803 |
| Net interest margin | 4.5520% | 548 |
| Noninterest income to average assets | 0.4219% | 3,830 |
| Noninterest expense to average assets | 2.1550% | 5,260 |
| Loan and lease loss provision to assets | 0.1102% | 1,874 |
| Net operating income to assets | 2.3620% | 184 |
| Return on assets (ROA) | 2.3620% | 197 |
| Pretax return on assets | 2.4614% | 261 |
| Return on Equity (ROE) | 21.8405% | 193 |
| Retained earnings to average equity (ytd only) | -7.9759% | 6,077 |
| Net charge-offs to loans | 0.1837% | 1,191 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 23.3415% | 1,325 |
| Efficiency ratio | 45.5941% | 6,123 |
| Assets per employee ($millions) | 6.2806% | 1,202 |
| Cash dividends to net income (ytd only)* | 136.5188% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 3,111 |
| Loan loss allowance to noncurrent loans | 15,000.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,942 |
| Noncurrent loans to loans | 0.0091% | 5,774 |
| Net loans and leases to total assets | 57.8257% | 3,971 |
| Net loans and leases to deposits | 65.8500% | 4,166 |
| Net loans and leases to core deposits | 75.1632% | 3,669 |
| Total domestic deposits to total assets | 87.8143% | 1,921 |
| Equity capital to assets | 10.6559% | 3,363 |
| Core capital (leverage) ratio | 10.1874% | 3,360 |
| Tier 1 risk-based capital ratio | 15.4237% | 3,185 |
| Total risk-based capital ratio | 16.6525% | 3,133 |
| Memoranda: | ||
| Average total assets | $148,860,000 | 3,673 |
| Average earning assets | $140,774,000 | 3,612 |
| Average equity | $16,098,500 | 3,734 |
| Average total loans | $89,270,500 | 3,663 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0577% | 696 |
| Cost of funding earning assets | 0.3162% | 4,620 |
| Net interest margin | 4.7414% | 488 |
| Noninterest income to average assets | 0.3935% | 4,238 |
| Noninterest expense to average assets | 2.0559% | 5,666 |
| Loan and lease loss provision to assets | 0.2621% | 846 |
| Net operating income to assets | 2.4451% | 158 |
| Return on assets (ROA) | 2.4451% | 163 |
| Pretax return on assets | 2.5615% | 170 |
| Return on Equity (ROE) | 21.9243% | 180 |
| Retained earnings to average equity (ytd only) | 2.7149% | 4,315 |
| Net charge-offs to loans | 0.2011% | 2,061 |
| Credit loss provision to net charge-offs | 219.7605% | 1,137 |
| Earnings coverage of net charge-offs (x) | 23.6766% | 1,569 |
| Efficiency ratio | 42.1338% | 6,365 |
| Assets per employee ($millions) | 6.1244% | 1,298 |
| Cash dividends to net income (ytd only)* | 87.6168% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 3,263 |
| Loan loss allowance to noncurrent loans | 1,061.9469% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 5,652 |
| Noncurrent loans to loans | 0.1253% | 5,402 |
| Net loans and leases to total assets | 60.5350% | 3,712 |
| Net loans and leases to deposits | 76.0971% | 3,185 |
| Net loans and leases to core deposits | 88.5124% | 2,445 |
| Total domestic deposits to total assets | 79.5498% | 5,133 |
| Equity capital to assets | 10.9772% | 2,916 |
| Core capital (leverage) ratio | 10.6176% | 2,814 |
| Tier 1 risk-based capital ratio | 15.5577% | 3,208 |
| Total risk-based capital ratio | 16.7713% | 3,154 |
| Memoranda: | ||
| Average total assets | $140,033,800 | 3,802 |
| Average earning assets | $132,492,200 | 3,712 |
| Average equity | $15,617,400 | 3,733 |
| Average total loans | $83,052,200 | 3,795 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9558% | 831 |
| Cost of funding earning assets | 0.3125% | 4,755 |
| Net interest margin | 4.6433% | 568 |
| Noninterest income to average assets | 0.4040% | 4,215 |
| Noninterest expense to average assets | 1.9870% | 5,792 |
| Loan and lease loss provision to assets | 0.0501% | 3,370 |
| Net operating income to assets | 2.6493% | 121 |
| Return on assets (ROA) | 2.6493% | 120 |
| Pretax return on assets | 2.7641% | 144 |
| Return on Equity (ROE) | 23.6564% | 134 |
| Retained earnings to average equity (ytd only) | -2.1694% | 6,089 |
| Net charge-offs to loans | 0.0853% | 2,988 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 56.1359% | 906 |
| Efficiency ratio | 41.3855% | 6,430 |
| Assets per employee ($millions) | 5.9238% | 1,390 |
| Cash dividends to net income (ytd only)* | 109.1703% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 4,233 |
| Loan loss allowance to noncurrent loans | 434.7826% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 5,490 |
| Noncurrent loans to loans | 0.2756% | 5,085 |
| Net loans and leases to total assets | 57.9949% | 4,071 |
| Net loans and leases to deposits | 69.9653% | 3,922 |
| Net loans and leases to core deposits | 80.4818% | 3,258 |
| Total domestic deposits to total assets | 82.8910% | 4,185 |
| Equity capital to assets | 10.8679% | 3,103 |
| Core capital (leverage) ratio | 10.7440% | 2,769 |
| Tier 1 risk-based capital ratio | 15.9916% | 3,062 |
| Total risk-based capital ratio | 17.0789% | 3,085 |
| Memoranda: | ||
| Average total assets | $138,295,750 | 3,859 |
| Average earning assets | $130,967,250 | 3,770 |
| Average equity | $15,488,000 | 3,774 |
| Average total loans | $81,270,750 | 3,869 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9490% | 817 |
| Cost of funding earning assets | 0.3127% | 4,850 |
| Net interest margin | 4.6363% | 549 |
| Noninterest income to average assets | 0.4306% | 4,021 |
| Noninterest expense to average assets | 2.0306% | 5,774 |
| Loan and lease loss provision to assets | -0.0642% | 6,324 |
| Net operating income to assets | 2.7342% | 111 |
| Return on assets (ROA) | 2.7342% | 113 |
| Pretax return on assets | 2.8583% | 134 |
| Return on Equity (ROE) | 24.1672% | 132 |
| Retained earnings to average equity (ytd only) | 8.6837% | 1,078 |
| Net charge-offs to loans | -0.1093% | 6,177 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0877% | 6,476 |
| Assets per employee ($millions) | 5.7207% | 1,507 |
| Cash dividends to net income (ytd only)* | 64.0683% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 4,189 |
| Loan loss allowance to noncurrent loans | 135.5014% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 4,381 |
| Noncurrent loans to loans | 0.9194% | 3,425 |
| Net loans and leases to total assets | 57.7340% | 4,022 |
| Net loans and leases to deposits | 66.8745% | 4,175 |
| Net loans and leases to core deposits | 76.1209% | 3,616 |
| Total domestic deposits to total assets | 86.3318% | 2,854 |
| Equity capital to assets | 11.8553% | 2,101 |
| Core capital (leverage) ratio | 11.5225% | 1,981 |
| Tier 1 risk-based capital ratio | 17.7024% | 2,349 |
| Total risk-based capital ratio | 18.8348% | 2,359 |
| Memoranda: | ||
| Average total assets | $137,004,000 | 3,906 |
| Average earning assets | $129,844,670 | 3,812 |
| Average equity | $15,500,330 | 3,770 |
| Average total loans | $80,543,670 | 3,894 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 799 |
| Cost of funding earning assets | 0.3208% | 4,852 |
| Net interest margin | 4.6212% | 541 |
| Noninterest income to average assets | 0.4881% | 3,505 |
| Noninterest expense to average assets | 2.1190% | 5,644 |
| Loan and lease loss provision to assets | -0.1111% | 6,508 |
| Net operating income to assets | 2.7415% | 120 |
| Return on assets (ROA) | 2.7415% | 127 |
| Pretax return on assets | 2.8584% | 155 |
| Return on Equity (ROE) | 24.8280% | 123 |
| Retained earnings to average equity (ytd only) | -6.9349% | 6,239 |
| Net charge-offs to loans | -0.1884% | 6,365 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5435% | 6,509 |
| Assets per employee ($millions) | 5.1942% | 2,019 |
| Cash dividends to net income (ytd only)* | 127.9318% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 4,297 |
| Loan loss allowance to noncurrent loans | 346.0208% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 5,573 |
| Noncurrent loans to loans | 0.3660% | 5,026 |
| Net loans and leases to total assets | 57.7201% | 3,898 |
| Net loans and leases to deposits | 65.4445% | 4,153 |
| Net loans and leases to core deposits | 72.7067% | 3,793 |
| Total domestic deposits to total assets | 88.1970% | 2,113 |
| Equity capital to assets | 11.2055% | 2,516 |
| Core capital (leverage) ratio | 10.9332% | 2,459 |
| Tier 1 risk-based capital ratio | 16.7634% | 2,784 |
| Total risk-based capital ratio | 17.9040% | 2,799 |
| Memoranda: | ||
| Average total assets | $136,857,500 | 3,940 |
| Average earning assets | $129,664,500 | 3,843 |
| Average equity | $15,112,000 | 3,845 |
| Average total loans | $80,682,000 | 3,912 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 1,093 |
| Cost of funding earning assets | 0.3751% | 4,893 |
| Net interest margin | 4.5264% | 702 |
| Noninterest income to average assets | 0.4172% | 4,318 |
| Noninterest expense to average assets | 2.2008% | 5,625 |
| Loan and lease loss provision to assets | 0.0430% | 4,263 |
| Net operating income to assets | 2.3479% | 201 |
| Return on assets (ROA) | 2.3652% | 200 |
| Pretax return on assets | 2.4701% | 207 |
| Return on Equity (ROE) | 20.6074% | 255 |
| Retained earnings to average equity (ytd only) | 4.1741% | 3,206 |
| Net charge-offs to loans | 0.2480% | 2,483 |
| Credit loss provision to net charge-offs | 31.3187% | 4,225 |
| Earnings coverage of net charge-offs (x) | 18.1703% | 1,667 |
| Efficiency ratio | 46.8670% | 6,526 |
| Assets per employee ($millions) | 5.5466% | 1,607 |
| Cash dividends to net income (ytd only)* | 79.7448% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 4,592 |
| Loan loss allowance to noncurrent loans | 135.3180% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 4,633 |
| Noncurrent loans to loans | 0.8967% | 3,746 |
| Net loans and leases to total assets | 58.7120% | 3,918 |
| Net loans and leases to deposits | 72.6467% | 3,436 |
| Net loans and leases to core deposits | 81.2748% | 2,980 |
| Total domestic deposits to total assets | 80.8185% | 5,232 |
| Equity capital to assets | 10.8831% | 2,723 |
| Core capital (leverage) ratio | 11.0586% | 2,334 |
| Tier 1 risk-based capital ratio | 16.4636% | 2,871 |
| Total risk-based capital ratio | 17.5641% | 2,912 |
| Memoranda: | ||
| Average total assets | $132,544,800 | 4,023 |
| Average earning assets | $125,287,000 | 3,943 |
| Average equity | $15,213,000 | 3,825 |
| Average total loans | $73,387,000 | 4,152 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 1,129 |
| Cost of funding earning assets | 0.3921% | 4,887 |
| Net interest margin | 4.5051% | 733 |
| Noninterest income to average assets | 0.4376% | 4,241 |
| Noninterest expense to average assets | 2.1809% | 5,646 |
| Loan and lease loss provision to assets | -0.0092% | 6,466 |
| Net operating income to assets | 2.4129% | 189 |
| Return on assets (ROA) | 2.4363% | 193 |
| Pretax return on assets | 2.5462% | 233 |
| Return on Equity (ROE) | 20.9395% | 245 |
| Retained earnings to average equity (ytd only) | -0.9271% | 6,124 |
| Net charge-offs to loans | 0.2174% | 2,522 |
| Credit loss provision to net charge-offs | -7.7586% | 5,598 |
| Earnings coverage of net charge-offs (x) | 21.2849% | 1,556 |
| Efficiency ratio | 46.4657% | 6,570 |
| Assets per employee ($millions) | 5.3420% | 1,801 |
| Cash dividends to net income (ytd only)* | 104.4277% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 4,237 |
| Loan loss allowance to noncurrent loans | 2,173.9130% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 6,374 |
| Noncurrent loans to loans | 0.0612% | 6,157 |
| Net loans and leases to total assets | 55.5234% | 4,391 |
| Net loans and leases to deposits | 67.0658% | 4,166 |
| Net loans and leases to core deposits | 75.8053% | 3,638 |
| Total domestic deposits to total assets | 82.7893% | 4,654 |
| Equity capital to assets | 10.8648% | 2,899 |
| Core capital (leverage) ratio | 10.7563% | 2,718 |
| Tier 1 risk-based capital ratio | 16.8964% | 2,754 |
| Total risk-based capital ratio | 18.0847% | 2,740 |
| Memoranda: | ||
| Average total assets | $131,014,750 | 4,088 |
| Average earning assets | $123,766,500 | 4,006 |
| Average equity | $15,243,500 | 3,868 |
| Average total loans | $71,130,500 | 4,256 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 1,186 |
| Cost of funding earning assets | 0.4079% | 4,867 |
| Net interest margin | 4.4539% | 775 |
| Noninterest income to average assets | 0.4364% | 4,273 |
| Noninterest expense to average assets | 2.1357% | 5,786 |
| Loan and lease loss provision to assets | -0.1367% | 6,739 |
| Net operating income to assets | 2.5428% | 159 |
| Return on assets (ROA) | 2.5782% | 168 |
| Pretax return on assets | 2.6857% | 210 |
| Return on Equity (ROE) | 21.6684% | 218 |
| Retained earnings to average equity (ytd only) | 7.4638% | 1,686 |
| Net charge-offs to loans | 0.1032% | 3,328 |
| Credit loss provision to net charge-offs | -247.2222% | 5,774 |
| Earnings coverage of net charge-offs (x) | 45.4167% | 849 |
| Efficiency ratio | 45.9504% | 6,641 |
| Assets per employee ($millions) | 5.2400% | 1,855 |
| Cash dividends to net income (ytd only)* | 65.5542% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,042 |
| Loan loss allowance to noncurrent loans | 1,098.9011% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 6,295 |
| Noncurrent loans to loans | 0.1273% | 6,006 |
| Net loans and leases to total assets | 53.8099% | 4,616 |
| Net loans and leases to deposits | 61.2427% | 4,830 |
| Net loans and leases to core deposits | 69.1048% | 4,375 |
| Total domestic deposits to total assets | 87.8634% | 2,346 |
| Equity capital to assets | 11.5832% | 2,234 |
| Core capital (leverage) ratio | 11.2505% | 2,132 |
| Tier 1 risk-based capital ratio | 18.5705% | 2,116 |
| Total risk-based capital ratio | 19.8166% | 2,080 |
| Memoranda: | ||
| Average total assets | $130,169,330 | 4,138 |
| Average earning assets | $123,083,330 | 4,057 |
| Average equity | $15,488,000 | 3,859 |
| Average total loans | $69,790,000 | 4,315 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 1,056 |
| Cost of funding earning assets | 0.4177% | 4,928 |
| Net interest margin | 4.4906% | 688 |
| Noninterest income to average assets | 0.4932% | 3,816 |
| Noninterest expense to average assets | 2.2319% | 5,603 |
| Loan and lease loss provision to assets | 0.2065% | 1,798 |
| Net operating income to assets | 2.2010% | 245 |
| Return on assets (ROA) | 2.2720% | 236 |
| Pretax return on assets | 2.3706% | 317 |
| Return on Equity (ROE) | 18.8431% | 369 |
| Retained earnings to average equity (ytd only) | -9.2809% | 6,584 |
| Net charge-offs to loans | 0.3887% | 1,481 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 12.1194% | 1,625 |
| Efficiency ratio | 47.1354% | 6,648 |
| Assets per employee ($millions) | 5.5168% | 1,655 |
| Cash dividends to net income (ytd only)* | 149.2537% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 3,281 |
| Loan loss allowance to noncurrent loans | 618.1319% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 6,160 |
| Noncurrent loans to loans | 0.2635% | 5,749 |
| Net loans and leases to total assets | 51.3225% | 4,791 |
| Net loans and leases to deposits | 58.3784% | 4,990 |
| Net loans and leases to core deposits | 65.4609% | 4,594 |
| Total domestic deposits to total assets | 87.9135% | 2,374 |
| Equity capital to assets | 11.5865% | 2,345 |
| Core capital (leverage) ratio | 10.8176% | 2,440 |
| Tier 1 risk-based capital ratio | 16.7074% | 2,902 |
| Total risk-based capital ratio | 17.9590% | 2,871 |
| Memoranda: | ||
| Average total assets | $129,754,000 | 4,188 |
| Average earning assets | $122,566,000 | 4,109 |
| Average equity | $15,645,000 | 3,883 |
| Average total loans | $68,939,500 | 4,378 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2917% | 941 |
| Cost of funding earning assets | 0.5014% | 5,211 |
| Net interest margin | 4.7903% | 551 |
| Noninterest income to average assets | 0.3538% | 4,935 |
| Noninterest expense to average assets | 2.5837% | 4,797 |
| Loan and lease loss provision to assets | 0.2950% | 2,315 |
| Net operating income to assets | 1.8584% | 460 |
| Return on assets (ROA) | 1.8577% | 513 |
| Pretax return on assets | 1.9716% | 632 |
| Return on Equity (ROE) | 16.2962% | 619 |
| Retained earnings to average equity (ytd only) | 6.2410% | 1,956 |
| Net charge-offs to loans | 0.3768% | 2,750 |
| Credit loss provision to net charge-offs | 147.8927% | 1,840 |
| Earnings coverage of net charge-offs (x) | 11.3678% | 2,039 |
| Efficiency ratio | 53.2609% | 6,351 |
| Assets per employee ($millions) | 5.2960% | 1,904 |
| Cash dividends to net income (ytd only)* | 61.7030% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 3,164 |
| Loan loss allowance to noncurrent loans | 290.6977% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 5,764 |
| Noncurrent loans to loans | 0.5625% | 5,126 |
| Net loans and leases to total assets | 53.2446% | 4,720 |
| Net loans and leases to deposits | 61.1843% | 4,884 |
| Net loans and leases to core deposits | 67.9137% | 4,543 |
| Total domestic deposits to total assets | 87.0232% | 2,834 |
| Equity capital to assets | 12.5480% | 1,675 |
| Core capital (leverage) ratio | 11.0643% | 2,203 |
| Tier 1 risk-based capital ratio | 17.4300% | 2,474 |
| Total risk-based capital ratio | 18.6820% | 2,451 |
| Memoranda: | ||
| Average total assets | $130,859,200 | 4,131 |
| Average earning assets | $122,853,600 | 4,040 |
| Average equity | $14,917,600 | 3,979 |
| Average total loans | $69,261,200 | 4,377 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2162% | 1,161 |
| Cost of funding earning assets | 0.5200% | 5,307 |
| Net interest margin | 4.6962% | 676 |
| Noninterest income to average assets | 0.3622% | 4,924 |
| Noninterest expense to average assets | 2.7951% | 3,996 |
| Loan and lease loss provision to assets | 0.4299% | 1,475 |
| Net operating income to assets | 1.4708% | 1,074 |
| Return on assets (ROA) | 1.4699% | 1,199 |
| Pretax return on assets | 1.5397% | 1,757 |
| Return on Equity (ROE) | 13.2150% | 1,287 |
| Retained earnings to average equity (ytd only) | -0.4275% | 6,165 |
| Net charge-offs to loans | 0.4805% | 2,176 |
| Credit loss provision to net charge-offs | 170.0000% | 1,636 |
| Earnings coverage of net charge-offs (x) | 7.7919% | 2,549 |
| Efficiency ratio | 58.6500% | 5,702 |
| Assets per employee ($millions) | 5.3908% | 1,740 |
| Cash dividends to net income (ytd only)* | 103.2349% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 3,138 |
| Loan loss allowance to noncurrent loans | 564.9038% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 6,302 |
| Noncurrent loans to loans | 0.3016% | 5,889 |
| Net loans and leases to total assets | 52.3922% | 4,994 |
| Net loans and leases to deposits | 61.6614% | 5,004 |
| Net loans and leases to core deposits | 68.1674% | 4,711 |
| Total domestic deposits to total assets | 84.9675% | 3,757 |
| Equity capital to assets | 11.6819% | 2,553 |
| Core capital (leverage) ratio | 10.2733% | 3,197 |
| Tier 1 risk-based capital ratio | 15.9987% | 3,258 |
| Total risk-based capital ratio | 17.2512% | 3,228 |
| Memoranda: | ||
| Average total assets | $131,798,000 | 4,139 |
| Average earning assets | $123,586,750 | 4,069 |
| Average equity | $14,659,750 | 4,065 |
| Average total loans | $69,376,250 | 4,414 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1998% | 1,251 |
| Cost of funding earning assets | 0.5477% | 5,322 |
| Net interest margin | 4.6521% | 745 |
| Noninterest income to average assets | 0.3620% | 4,941 |
| Noninterest expense to average assets | 3.1357% | 2,803 |
| Loan and lease loss provision to assets | 0.6350% | 914 |
| Net operating income to assets | 0.8944% | 2,938 |
| Return on assets (ROA) | 0.8944% | 3,201 |
| Pretax return on assets | 0.9472% | 3,895 |
| Return on Equity (ROE) | 8.1746% | 3,181 |
| Retained earnings to average equity (ytd only) | -3.5428% | 6,515 |
| Net charge-offs to loans | 0.7078% | 1,565 |
| Credit loss provision to net charge-offs | 171.1382% | 1,640 |
| Earnings coverage of net charge-offs (x) | 4.2642% | 3,131 |
| Efficiency ratio | 66.4642% | 4,442 |
| Assets per employee ($millions) | 5.3197% | 1,804 |
| Cash dividends to net income (ytd only)* | 143.3390% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 3,082 |
| Loan loss allowance to noncurrent loans | 683.1395% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 6,467 |
| Noncurrent loans to loans | 0.2542% | 6,066 |
| Net loans and leases to total assets | 49.9929% | 5,356 |
| Net loans and leases to deposits | 56.5996% | 5,589 |
| Net loans and leases to core deposits | 63.3342% | 5,275 |
| Total domestic deposits to total assets | 88.3272% | 1,940 |
| Equity capital to assets | 11.0848% | 3,031 |
| Core capital (leverage) ratio | 9.7229% | 3,801 |
| Tier 1 risk-based capital ratio | 15.9361% | 3,192 |
| Total risk-based capital ratio | 17.1881% | 3,158 |
| Memoranda: | ||
| Average total assets | $132,604,000 | 4,148 |
| Average earning assets | $124,159,000 | 4,074 |
| Average equity | $14,508,330 | 4,087 |
| Average total loans | $69,515,000 | 4,433 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3291% | 1,042 |
| Cost of funding earning assets | 0.5845% | 5,251 |
| Net interest margin | 4.7445% | 636 |
| Noninterest income to average assets | 0.4471% | 4,311 |
| Noninterest expense to average assets | 3.5103% | 1,744 |
| Loan and lease loss provision to assets | 1.1480% | 342 |
| Net operating income to assets | 0.1359% | 6,158 |
| Return on assets (ROA) | 0.1359% | 6,280 |
| Pretax return on assets | 0.2024% | 6,200 |
| Return on Equity (ROE) | 1.2507% | 6,296 |
| Retained earnings to average equity (ytd only) | -22.3743% | 7,077 |
| Net charge-offs to loans | 1.5900% | 623 |
| Credit loss provision to net charge-offs | 135.7143% | 1,812 |
| Earnings coverage of net charge-offs (x) | 1.5964% | 3,529 |
| Efficiency ratio | 72.2188% | 3,399 |
| Assets per employee ($millions) | 5.1543% | 2,057 |
| Cash dividends to net income (ytd only)* | 1,888.8889% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 3,714 |
| Loan loss allowance to noncurrent loans | 392.8571% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.6567% | 5,247 |
| Noncurrent loans to loans | 0.4075% | 5,857 |
| Net loans and leases to total assets | 50.4533% | 5,242 |
| Net loans and leases to deposits | 56.6619% | 5,527 |
| Net loans and leases to core deposits | 62.5525% | 5,267 |
| Total domestic deposits to total assets | 89.0427% | 1,670 |
| Equity capital to assets | 10.4588% | 3,542 |
| Core capital (leverage) ratio | 9.6456% | 3,852 |
| Tier 1 risk-based capital ratio | 15.1795% | 3,636 |
| Total risk-based capital ratio | 16.4299% | 3,594 |
| Memoranda: | ||
| Average total assets | $132,409,500 | 4,176 |
| Average earning assets | $123,173,500 | 4,132 |
| Average equity | $14,391,500 | 4,114 |
| Average total loans | $70,441,500 | 4,433 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5967% | 960 |
| Cost of funding earning assets | 0.8990% | 4,122 |
| Net interest margin | 4.6977% | 757 |
| Noninterest income to average assets | 0.4360% | 4,326 |
| Noninterest expense to average assets | 2.1969% | 6,273 |
| Loan and lease loss provision to assets | 0.3351% | 3,016 |
| Net operating income to assets | 2.1697% | 238 |
| Return on assets (ROA) | 2.1697% | 252 |
| Pretax return on assets | 2.2535% | 329 |
| Return on Equity (ROE) | 21.0228% | 222 |
| Retained earnings to average equity (ytd only) | 11.9959% | 303 |
| Net charge-offs to loans | 1.1829% | 1,425 |
| Credit loss provision to net charge-offs | 52.1739% | 5,373 |
| Earnings coverage of net charge-offs (x) | 4.0302% | 3,299 |
| Efficiency ratio | 45.9070% | 7,050 |
| Assets per employee ($millions) | 5.0311% | 2,150 |
| Cash dividends to net income (ytd only)* | 42.9389% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 4,534 |
| Loan loss allowance to noncurrent loans | 243.9024% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 1.0359% | 4,536 |
| Noncurrent loans to loans | 0.5681% | 5,579 |
| Net loans and leases to total assets | 54.4080% | 4,975 |
| Net loans and leases to deposits | 64.3455% | 4,959 |
| Net loans and leases to core deposits | 72.3544% | 4,463 |
| Total domestic deposits to total assets | 84.5560% | 4,062 |
| Equity capital to assets | 11.2891% | 2,703 |
| Core capital (leverage) ratio | 10.3033% | 2,967 |
| Tier 1 risk-based capital ratio | 15.0935% | 3,586 |
| Total risk-based capital ratio | 15.9804% | 3,785 |
| Memoranda: | ||
| Average total assets | $128,910,800 | 4,193 |
| Average earning assets | $119,355,600 | 4,146 |
| Average equity | $13,304,600 | 4,280 |
| Average total loans | $69,998,400 | 4,491 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5845% | 1,069 |
| Cost of funding earning assets | 0.9735% | 3,861 |
| Net interest margin | 4.6111% | 926 |
| Noninterest income to average assets | 0.4765% | 4,073 |
| Noninterest expense to average assets | 2.0887% | 6,516 |
| Loan and lease loss provision to assets | 0.3000% | 3,121 |
| Net operating income to assets | 2.2631% | 227 |
| Return on assets (ROA) | 2.2631% | 246 |
| Pretax return on assets | 2.3658% | 319 |
| Return on Equity (ROE) | 22.4638% | 201 |
| Retained earnings to average equity (ytd only) | 10.0984% | 822 |
| Net charge-offs to loans | 0.6911% | 2,185 |
| Credit loss provision to net charge-offs | 80.2778% | 4,133 |
| Earnings coverage of net charge-offs (x) | 7.1333% | 2,417 |
| Efficiency ratio | 43.9301% | 7,147 |
| Assets per employee ($millions) | 5.3685% | 1,740 |
| Cash dividends to net income (ytd only)* | 55.0459% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9290% | 2,538 |
| Loan loss allowance to noncurrent loans | 72.0892% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.4351% | 3,965 |
| Noncurrent loans to loans | 2.6758% | 2,604 |
| Net loans and leases to total assets | 52.2834% | 5,416 |
| Net loans and leases to deposits | 59.2602% | 5,721 |
| Net loans and leases to core deposits | 63.4325% | 5,683 |
| Total domestic deposits to total assets | 88.2268% | 1,908 |
| Equity capital to assets | 11.0420% | 3,098 |
| Core capital (leverage) ratio | 9.6747% | 3,882 |
| Tier 1 risk-based capital ratio | 14.8673% | 3,745 |
| Total risk-based capital ratio | 16.1204% | 3,713 |
| Memoranda: | ||
| Average total assets | $128,436,500 | 4,228 |
| Average earning assets | $119,159,250 | 4,172 |
| Average equity | $12,939,000 | 4,363 |
| Average total loans | $69,455,500 | 4,551 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5583% | 1,152 |
| Cost of funding earning assets | 1.0687% | 3,486 |
| Net interest margin | 4.4897% | 1,159 |
| Noninterest income to average assets | 0.4474% | 4,304 |
| Noninterest expense to average assets | 2.1559% | 6,494 |
| Loan and lease loss provision to assets | 0.4224% | 2,321 |
| Net operating income to assets | 1.9454% | 373 |
| Return on assets (ROA) | 1.9454% | 393 |
| Pretax return on assets | 2.0343% | 553 |
| Return on Equity (ROE) | 19.9526% | 314 |
| Retained earnings to average equity (ytd only) | 11.1594% | 640 |
| Net charge-offs to loans | 0.9812% | 1,603 |
| Credit loss provision to net charge-offs | 79.2398% | 3,794 |
| Earnings coverage of net charge-offs (x) | 4.6082% | 2,818 |
| Efficiency ratio | 46.7388% | 7,123 |
| Assets per employee ($millions) | 5.4894% | 1,578 |
| Cash dividends to net income (ytd only)* | 44.0705% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9118% | 2,633 |
| Loan loss allowance to noncurrent loans | 81.0894% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.2486% | 4,397 |
| Noncurrent loans to loans | 2.3576% | 3,036 |
| Net loans and leases to total assets | 51.6012% | 5,618 |
| Net loans and leases to deposits | 57.8733% | 5,951 |
| Net loans and leases to core deposits | 63.4190% | 5,786 |
| Total domestic deposits to total assets | 89.1624% | 1,441 |
| Equity capital to assets | 10.2182% | 3,860 |
| Core capital (leverage) ratio | 9.3983% | 4,116 |
| Tier 1 risk-based capital ratio | 14.5296% | 3,763 |
| Total risk-based capital ratio | 15.7830% | 3,738 |
| Memoranda: | ||
| Average total assets | $128,300,670 | 4,263 |
| Average earning assets | $119,028,670 | 4,209 |
| Average equity | $12,509,670 | 4,432 |
| Average total loans | $69,711,000 | 4,585 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5163% | 1,253 |
| Cost of funding earning assets | 1.1579% | 3,099 |
| Net interest margin | 4.3584% | 1,402 |
| Noninterest income to average assets | 0.5214% | 3,714 |
| Noninterest expense to average assets | 2.0446% | 6,748 |
| Loan and lease loss provision to assets | 0.9069% | 884 |
| Net operating income to assets | 1.5358% | 811 |
| Return on assets (ROA) | 1.5358% | 853 |
| Pretax return on assets | 1.6022% | 1,188 |
| Return on Equity (ROE) | 16.1549% | 660 |
| Retained earnings to average equity (ytd only) | -2.1606% | 6,172 |
| Net charge-offs to loans | 2.0483% | 622 |
| Credit loss provision to net charge-offs | 80.1676% | 3,156 |
| Earnings coverage of net charge-offs (x) | 2.2179% | 3,211 |
| Efficiency ratio | 44.8994% | 7,247 |
| Assets per employee ($millions) | 5.4095% | 1,652 |
| Cash dividends to net income (ytd only)* | 113.3745% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9871% | 2,454 |
| Loan loss allowance to noncurrent loans | 78.4953% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.3087% | 4,354 |
| Noncurrent loans to loans | 2.5315% | 2,952 |
| Net loans and leases to total assets | 50.3408% | 5,803 |
| Net loans and leases to deposits | 55.8469% | 6,143 |
| Net loans and leases to core deposits | 62.0977% | 5,915 |
| Total domestic deposits to total assets | 90.1407% | 1,069 |
| Equity capital to assets | 9.2985% | 4,729 |
| Core capital (leverage) ratio | 9.0454% | 4,544 |
| Tier 1 risk-based capital ratio | 14.1854% | 3,944 |
| Total risk-based capital ratio | 15.4391% | 3,912 |
| Memoranda: | ||
| Average total assets | $126,578,500 | 4,328 |
| Average earning assets | $117,107,000 | 4,276 |
| Average equity | $12,033,500 | 4,539 |
| Average total loans | $69,913,000 | 4,624 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8661% | 1,116 |
| Cost of funding earning assets | 1.4581% | 2,905 |
| Net interest margin | 4.4080% | 1,445 |
| Noninterest income to average assets | 0.3953% | 4,942 |
| Noninterest expense to average assets | 2.1362% | 6,759 |
| Loan and lease loss provision to assets | 0.7099% | 2,310 |
| Net operating income to assets | 1.5111% | 743 |
| Return on assets (ROA) | 1.5111% | 805 |
| Pretax return on assets | 1.6146% | 1,096 |
| Return on Equity (ROE) | 14.9083% | 731 |
| Retained earnings to average equity (ytd only) | 0.3216% | 5,420 |
| Net charge-offs to loans | 0.6689% | 3,007 |
| Credit loss provision to net charge-offs | 183.3684% | 1,793 |
| Earnings coverage of net charge-offs (x) | 6.0042% | 2,469 |
| Efficiency ratio | 47.8896% | 7,273 |
| Assets per employee ($millions) | 5.1388% | 1,962 |
| Cash dividends to net income (ytd only)* | 97.8425% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9085% | 2,541 |
| Loan loss allowance to noncurrent loans | 75.7050% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.5041% | 4,060 |
| Noncurrent loans to loans | 2.5210% | 3,008 |
| Net loans and leases to total assets | 58.1764% | 5,001 |
| Net loans and leases to deposits | 64.8151% | 5,536 |
| Net loans and leases to core deposits | 73.9490% | 4,985 |
| Total domestic deposits to total assets | 89.7576% | 1,229 |
| Equity capital to assets | 9.7259% | 4,089 |
| Core capital (leverage) ratio | 9.3817% | 3,879 |
| Tier 1 risk-based capital ratio | 13.3582% | 4,321 |
| Total risk-based capital ratio | 14.6126% | 4,280 |
| Memoranda: | ||
| Average total assets | $122,695,600 | 4,429 |
| Average earning assets | $113,157,800 | 4,394 |
| Average equity | $12,436,000 | 4,498 |
| Average total loans | $71,014,400 | 4,646 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9678% | 991 |
| Cost of funding earning assets | 1.5079% | 2,930 |
| Net interest margin | 4.4599% | 1,345 |
| Noninterest income to average assets | 0.3819% | 5,098 |
| Noninterest expense to average assets | 2.2034% | 6,597 |
| Loan and lease loss provision to assets | 0.2622% | 4,483 |
| Net operating income to assets | 1.9324% | 379 |
| Return on assets (ROA) | 1.9324% | 416 |
| Pretax return on assets | 2.0293% | 584 |
| Return on Equity (ROE) | 18.8737% | 395 |
| Retained earnings to average equity (ytd only) | -0.4039% | 5,892 |
| Net charge-offs to loans | 0.3613% | 3,857 |
| Credit loss provision to net charge-offs | 126.1780% | 3,237 |
| Earnings coverage of net charge-offs (x) | 11.0262% | 1,828 |
| Efficiency ratio | 49.0196% | 7,208 |
| Assets per employee ($millions) | 5.3271% | 1,796 |
| Cash dividends to net income (ytd only)* | 102.1398% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 4,139 |
| Loan loss allowance to noncurrent loans | 76.4192% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1214% | 4,872 |
| Noncurrent loans to loans | 1.9151% | 3,784 |
| Net loans and leases to total assets | 57.7010% | 5,299 |
| Net loans and leases to deposits | 65.2758% | 5,746 |
| Net loans and leases to core deposits | 75.4979% | 5,120 |
| Total domestic deposits to total assets | 88.3956% | 1,731 |
| Equity capital to assets | 10.3270% | 3,729 |
| Core capital (leverage) ratio | 9.3945% | 4,061 |
| Tier 1 risk-based capital ratio | 13.0519% | 4,543 |
| Total risk-based capital ratio | 14.2211% | 4,576 |
| Memoranda: | ||
| Average total assets | $122,537,000 | 4,489 |
| Average earning assets | $113,003,000 | 4,458 |
| Average equity | $12,546,250 | 4,538 |
| Average total loans | $70,481,750 | 4,736 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9280% | 1,115 |
| Cost of funding earning assets | 1.5400% | 3,014 |
| Net interest margin | 4.3880% | 1,482 |
| Noninterest income to average assets | 0.4113% | 4,820 |
| Noninterest expense to average assets | 2.2033% | 6,643 |
| Loan and lease loss provision to assets | 0.1404% | 5,492 |
| Net operating income to assets | 2.0173% | 322 |
| Return on assets (ROA) | 2.0173% | 352 |
| Pretax return on assets | 2.1136% | 478 |
| Return on Equity (ROE) | 19.7591% | 338 |
| Retained earnings to average equity (ytd only) | 5.2595% | 2,744 |
| Net charge-offs to loans | 0.1028% | 5,120 |
| Credit loss provision to net charge-offs | 238.8889% | 1,611 |
| Earnings coverage of net charge-offs (x) | 38.3611% | 754 |
| Efficiency ratio | 49.4324% | 7,263 |
| Assets per employee ($millions) | 5.2647% | 1,849 |
| Cash dividends to net income (ytd only)* | 73.3819% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 3,863 |
| Loan loss allowance to noncurrent loans | 47.1910% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 1.7609% | 3,815 |
| Noncurrent loans to loans | 3.2021% | 2,503 |
| Net loans and leases to total assets | 54.1625% | 5,970 |
| Net loans and leases to deposits | 61.0681% | 6,299 |
| Net loans and leases to core deposits | 72.4666% | 5,626 |
| Total domestic deposits to total assets | 88.6920% | 1,608 |
| Equity capital to assets | 10.2380% | 3,721 |
| Core capital (leverage) ratio | 9.8732% | 3,308 |
| Tier 1 risk-based capital ratio | 14.5734% | 3,398 |
| Total risk-based capital ratio | 15.8194% | 3,369 |
| Memoranda: | ||
| Average total assets | $122,541,670 | 4,515 |
| Average earning assets | $112,989,670 | 4,479 |
| Average equity | $12,510,670 | 4,545 |
| Average total loans | $70,060,000 | 4,790 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2045% | 635 |
| Cost of funding earning assets | 1.5655% | 3,167 |
| Net interest margin | 4.6389% | 894 |
| Noninterest income to average assets | 0.4078% | 4,846 |
| Noninterest expense to average assets | 2.2282% | 6,612 |
| Loan and lease loss provision to assets | 0.0464% | 6,202 |
| Net operating income to assets | 2.2912% | 215 |
| Return on assets (ROA) | 2.2912% | 239 |
| Pretax return on assets | 2.3973% | 291 |
| Return on Equity (ROE) | 22.4752% | 253 |
| Retained earnings to average equity (ytd only) | -7.0255% | 6,746 |
| Net charge-offs to loans | 0.0796% | 4,626 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 52.6429% | 552 |
| Efficiency ratio | 47.6934% | 7,463 |
| Assets per employee ($millions) | 5.0803% | 2,127 |
| Cash dividends to net income (ytd only)* | 131.2590% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 4,093 |
| Loan loss allowance to noncurrent loans | 49.5540% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.6551% | 3,994 |
| Noncurrent loans to loans | 2.9591% | 2,714 |
| Net loans and leases to total assets | 55.1129% | 5,874 |
| Net loans and leases to deposits | 61.9710% | 6,277 |
| Net loans and leases to core deposits | 72.6407% | 5,645 |
| Total domestic deposits to total assets | 88.9335% | 1,551 |
| Equity capital to assets | 10.0093% | 3,861 |
| Core capital (leverage) ratio | 9.8298% | 3,370 |
| Tier 1 risk-based capital ratio | 14.2422% | 3,516 |
| Total risk-based capital ratio | 15.4557% | 3,503 |
| Memoranda: | ||
| Average total assets | $120,636,000 | 4,615 |
| Average earning assets | $110,888,000 | 4,585 |
| Average equity | $12,298,000 | 4,637 |
| Average total loans | $70,347,000 | 4,844 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4736% | 711 |
| Cost of funding earning assets | 1.7729% | 4,138 |
| Net interest margin | 4.7007% | 833 |
| Noninterest income to average assets | 0.5764% | 3,805 |
| Noninterest expense to average assets | 2.5609% | 5,919 |
| Loan and lease loss provision to assets | 0.0163% | 7,336 |
| Net operating income to assets | 2.0059% | 229 |
| Return on assets (ROA) | 2.0059% | 239 |
| Pretax return on assets | 2.3639% | 196 |
| Return on Equity (ROE) | 19.2710% | 283 |
| Retained earnings to average equity (ytd only) | -14.1940% | 6,830 |
| Net charge-offs to loans | 0.2743% | 4,909 |
| Credit loss provision to net charge-offs | 10.0529% | 6,972 |
| Earnings coverage of net charge-offs (x) | 14.7037% | 1,356 |
| Efficiency ratio | 51.8287% | 7,399 |
| Assets per employee ($millions) | 4.7738% | 2,511 |
| Cash dividends to net income (ytd only)* | 173.6550% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 4,343 |
| Loan loss allowance to noncurrent loans | 48.7805% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 1.7177% | 3,789 |
| Noncurrent loans to loans | 2.8277% | 2,726 |
| Net loans and leases to total assets | 59.9073% | 5,357 |
| Net loans and leases to deposits | 70.0601% | 5,595 |
| Net loans and leases to core deposits | 88.1417% | 5,312 |
| Total domestic deposits to total assets | 85.5085% | 3,286 |
| Equity capital to assets | 10.3833% | 3,308 |
| Core capital (leverage) ratio | 10.1449% | 2,954 |
| Tier 1 risk-based capital ratio | 13.9111% | 3,559 |
| Total risk-based capital ratio | 15.0750% | 3,555 |
| Memoranda: | ||
| Average total assets | $116,757,200 | 4,667 |
| Average earning assets | $108,410,000 | 4,618 |
| Average equity | $12,153,000 | 4,713 |
| Average total loans | $68,905,000 | 4,908 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4885% | 767 |
| Cost of funding earning assets | 1.8094% | 4,345 |
| Net interest margin | 4.6790% | 871 |
| Noninterest income to average assets | 0.4880% | 4,598 |
| Noninterest expense to average assets | 2.5228% | 6,005 |
| Loan and lease loss provision to assets | 0.0092% | 7,235 |
| Net operating income to assets | 1.8798% | 374 |
| Return on assets (ROA) | 1.8798% | 399 |
| Pretax return on assets | 2.3092% | 284 |
| Return on Equity (ROE) | 18.0482% | 451 |
| Retained earnings to average equity (ytd only) | -26.7911% | 7,527 |
| Net charge-offs to loans | 0.3490% | 3,895 |
| Credit loss provision to net charge-offs | 4.4944% | 6,643 |
| Earnings coverage of net charge-offs (x) | 11.3426% | 1,863 |
| Efficiency ratio | 52.1110% | 7,402 |
| Assets per employee ($millions) | 4.6422% | 2,647 |
| Cash dividends to net income (ytd only)* | 248.4425% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 3,784 |
| Loan loss allowance to noncurrent loans | 42.7899% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 2.0137% | 3,324 |
| Noncurrent loans to loans | 3.3410% | 2,262 |
| Net loans and leases to total assets | 59.4120% | 5,679 |
| Net loans and leases to deposits | 71.5925% | 5,719 |
| Net loans and leases to core deposits | 93.0864% | 5,122 |
| Total domestic deposits to total assets | 82.9864% | 4,227 |
| Equity capital to assets | 10.3047% | 3,729 |
| Core capital (leverage) ratio | 9.7630% | 3,556 |
| Tier 1 risk-based capital ratio | 13.4939% | 3,851 |
| Total risk-based capital ratio | 14.6936% | 3,832 |
| Memoranda: | ||
| Average total assets | $116,110,000 | 4,695 |
| Average earning assets | $108,025,000 | 4,650 |
| Average equity | $12,093,250 | 4,767 |
| Average total loans | $68,007,000 | 4,987 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4378% | 925 |
| Cost of funding earning assets | 1.8298% | 4,605 |
| Net interest margin | 4.6080% | 940 |
| Noninterest income to average assets | 0.4857% | 4,576 |
| Noninterest expense to average assets | 2.7642% | 5,118 |
| Loan and lease loss provision to assets | 0.2790% | 4,342 |
| Net operating income to assets | 1.1591% | 1,586 |
| Return on assets (ROA) | 1.1591% | 1,665 |
| Pretax return on assets | 1.7274% | 973 |
| Return on Equity (ROE) | 11.0891% | 1,680 |
| Retained earnings to average equity (ytd only) | -40.9787% | 7,840 |
| Net charge-offs to loans | 0.3622% | 3,371 |
| Credit loss provision to net charge-offs | 132.7869% | 3,515 |
| Earnings coverage of net charge-offs (x) | 9.5492% | 2,109 |
| Efficiency ratio | 57.9422% | 6,873 |
| Assets per employee ($millions) | 4.8927% | 2,207 |
| Cash dividends to net income (ytd only)* | 469.5394% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 2,073 |
| Loan loss allowance to noncurrent loans | 56.2791% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.8310% | 3,428 |
| Noncurrent loans to loans | 3.1825% | 2,243 |
| Net loans and leases to total assets | 56.5016% | 6,156 |
| Net loans and leases to deposits | 63.4608% | 6,618 |
| Net loans and leases to core deposits | 82.2939% | 6,214 |
| Total domestic deposits to total assets | 89.0339% | 1,253 |
| Equity capital to assets | 9.7126% | 4,333 |
| Core capital (leverage) ratio | 9.7303% | 3,598 |
| Tier 1 risk-based capital ratio | 13.7058% | 3,689 |
| Total risk-based capital ratio | 14.9588% | 3,614 |
| Memoranda: | ||
| Average total assets | $116,128,670 | 4,726 |
| Average earning assets | $107,987,000 | 4,679 |
| Average equity | $12,138,000 | 4,776 |
| Average total loans | $67,359,330 | 5,058 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6329% | 662 |
| Cost of funding earning assets | 1.8296% | 4,979 |
| Net interest margin | 4.8032% | 602 |
| Noninterest income to average assets | 0.4538% | 4,737 |
| Noninterest expense to average assets | 2.3069% | 6,517 |
| Loan and lease loss provision to assets | 0.1420% | 5,128 |
| Net operating income to assets | 1.2643% | 1,468 |
| Return on assets (ROA) | 1.2643% | 1,569 |
| Pretax return on assets | 2.4697% | 275 |
| Return on Equity (ROE) | 11.6758% | 1,767 |
| Retained earnings to average equity (ytd only) | -89.4078% | 8,131 |
| Net charge-offs to loans | 0.0059% | 5,604 |
| Credit loss provision to net charge-offs | 4,100.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 754.0000% | 24 |
| Efficiency ratio | 46.9014% | 7,795 |
| Assets per employee ($millions) | 4.5846% | 2,585 |
| Cash dividends to net income (ytd only)* | 865.7534% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7794% | 1,902 |
| Loan loss allowance to noncurrent loans | 91.8755% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.1491% | 4,374 |
| Noncurrent loans to loans | 1.9367% | 3,358 |
| Net loans and leases to total assets | 58.2742% | 5,900 |
| Net loans and leases to deposits | 68.1443% | 6,173 |
| Net loans and leases to core deposits | 81.4813% | 6,266 |
| Total domestic deposits to total assets | 85.5159% | 2,959 |
| Equity capital to assets | 9.7841% | 4,254 |
| Core capital (leverage) ratio | 9.4359% | 4,060 |
| Tier 1 risk-based capital ratio | 12.6439% | 4,439 |
| Total risk-based capital ratio | 13.8953% | 4,359 |
| Memoranda: | ||
| Average total assets | $115,480,500 | 4,762 |
| Average earning assets | $107,344,500 | 4,707 |
| Average equity | $12,504,500 | 4,707 |
| Average total loans | $67,260,500 | 5,085 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0644% | 985 |
| Cost of funding earning assets | 2.4144% | 4,661 |
| Net interest margin | 4.6501% | 1,054 |
| Noninterest income to average assets | 0.5481% | 4,244 |
| Noninterest expense to average assets | 2.1653% | 7,072 |
| Loan and lease loss provision to assets | 0.2745% | 4,199 |
| Net operating income to assets | 1.7834% | 568 |
| Return on assets (ROA) | 1.7834% | 549 |
| Pretax return on assets | 2.4143% | 240 |
| Return on Equity (ROE) | 12.4403% | 1,459 |
| Retained earnings to average equity (ytd only) | 5.0756% | 1,979 |
| Net charge-offs to loans | 0.2735% | 3,578 |
| Credit loss provision to net charge-offs | 186.8263% | 2,659 |
| Earnings coverage of net charge-offs (x) | 18.2994% | 1,714 |
| Efficiency ratio | 44.6076% | 7,988 |
| Assets per employee ($millions) | 4.4748% | 2,652 |
| Cash dividends to net income (ytd only)* | 59.2008% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7589% | 1,740 |
| Loan loss allowance to noncurrent loans | 71.1679% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.4130% | 3,374 |
| Noncurrent loans to loans | 2.4714% | 2,214 |
| Net loans and leases to total assets | 56.1687% | 6,415 |
| Net loans and leases to deposits | 73.8944% | 5,857 |
| Net loans and leases to core deposits | 89.8912% | 5,806 |
| Total domestic deposits to total assets | 76.0121% | 6,235 |
| Equity capital to assets | 11.8569% | 2,384 |
| Core capital (leverage) ratio | 11.9699% | 1,982 |
| Tier 1 risk-based capital ratio | 16.7602% | 2,399 |
| Total risk-based capital ratio | 18.0126% | 2,331 |
| Memoranda: | ||
| Average total assets | $113,657,200 | 4,674 |
| Average earning assets | $105,245,400 | 4,639 |
| Average equity | $16,293,800 | 3,867 |
| Average total loans | $61,071,400 | 5,217 |