Home > Community State Bank > Performance and Condition Ratios
Community State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 3,467 |
| Cost of funding earning assets | 0.8142% | 3,698 |
| Net interest margin | 3.4684% | 2,260 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 1.8345% | 3,947 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 1.7261% | 697 |
| Return on assets (ROA) | 1.7287% | 666 |
| Pretax return on assets | 2.2207% | 482 |
| Return on Equity (ROE) | 18.0100% | 816 |
| Retained earnings to average equity (ytd only) | 9.2666% | 1,192 |
| Net charge-offs to loans | -0.0952% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 44.7882% | 4,229 |
| Assets per employee ($millions) | 9.4881% | 830 |
| Cash dividends to net income (ytd only)* | 48.5594% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 1,973 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 47.1100% | 3,772 |
| Net loans and leases to deposits | 54.1929% | 3,786 |
| Net loans and leases to core deposits | 55.4233% | 3,935 |
| Total domestic deposits to total assets | 86.9300% | 1,704 |
| Equity capital to assets | 10.4186% | 1,768 |
| Core capital (leverage) ratio | 12.4370% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $178,684,600 | 3,135 |
| Average earning assets | $166,301,200 | 3,129 |
| Average equity | $17,147,600 | 3,078 |
| Average total loans | $78,743,800 | 3,427 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 3,454 |
| Cost of funding earning assets | 0.6794% | 3,814 |
| Net interest margin | 3.5268% | 2,156 |
| Noninterest income to average assets | 0.9400% | 706 |
| Noninterest expense to average assets | 1.8165% | 3,945 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8577% | 593 |
| Return on assets (ROA) | 1.8606% | 581 |
| Pretax return on assets | 2.3991% | 427 |
| Return on Equity (ROE) | 19.8200% | 741 |
| Retained earnings to average equity (ytd only) | 15.8349% | 476 |
| Net charge-offs to loans | -0.0173% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.1875% | 4,303 |
| Assets per employee ($millions) | 9.2983% | 833 |
| Cash dividends to net income (ytd only)* | 20.0965% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 1,667 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 44.8600% | 3,879 |
| Net loans and leases to deposits | 49.8776% | 3,936 |
| Net loans and leases to core deposits | 51.3042% | 3,998 |
| Total domestic deposits to total assets | 89.9300% | 956 |
| Equity capital to assets | 9.4930% | 2,098 |
| Core capital (leverage) ratio | 12.3824% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $178,287,250 | 3,145 |
| Average earning assets | $165,623,000 | 3,140 |
| Average equity | $16,739,000 | 3,100 |
| Average total loans | $76,928,250 | 3,460 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 3,482 |
| Cost of funding earning assets | 0.4610% | 4,055 |
| Net interest margin | 3.6410% | 1,937 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 1.7525% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6123% | 931 |
| Return on assets (ROA) | 1.6150% | 927 |
| Pretax return on assets | 2.0668% | 670 |
| Return on Equity (ROE) | 17.2600% | 1,049 |
| Retained earnings to average equity (ytd only) | 11.2862% | 1,128 |
| Net charge-offs to loans | -0.0185% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.9004% | 4,211 |
| Assets per employee ($millions) | 9.3721% | 812 |
| Cash dividends to net income (ytd only)* | 34.6260% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,436 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 41.9100% | 3,968 |
| Net loans and leases to deposits | 46.5877% | 4,025 |
| Net loans and leases to core deposits | 47.9736% | 4,069 |
| Total domestic deposits to total assets | 89.9600% | 927 |
| Equity capital to assets | 9.6463% | 2,064 |
| Core capital (leverage) ratio | 12.2995% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $178,827,333 | 3,147 |
| Average earning assets | $166,165,333 | 3,144 |
| Average equity | $16,728,333 | 3,126 |
| Average total loans | $75,795,000 | 3,477 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9060% | 3,658 |
| Cost of funding earning assets | 0.3575% | 4,055 |
| Net interest margin | 3.5485% | 2,244 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 1.7633% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5272% | 1,123 |
| Return on assets (ROA) | 1.5290% | 1,101 |
| Pretax return on assets | 1.9441% | 855 |
| Return on Equity (ROE) | 16.6000% | 1,243 |
| Retained earnings to average equity (ytd only) | 4.4838% | 3,134 |
| Net charge-offs to loans | -0.0316% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.5060% | 4,188 |
| Assets per employee ($millions) | 11.2709% | 482 |
| Cash dividends to net income (ytd only)* | 72.9927% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 1,644 |
| Loan loss allowance to noncurrent loans | 786.1314% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 3,042 |
| Noncurrent loans to loans | 0.1774% | 2,592 |
| Net loans and leases to total assets | 42.2300% | 3,943 |
| Net loans and leases to deposits | 46.7772% | 4,005 |
| Net loans and leases to core deposits | 47.9806% | 4,049 |
| Total domestic deposits to total assets | 90.2700% | 1,060 |
| Equity capital to assets | 9.4181% | 2,216 |
| Core capital (leverage) ratio | 11.7787% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $179,206,500 | 3,184 |
| Average earning assets | $166,716,500 | 3,177 |
| Average equity | $16,504,000 | 3,174 |
| Average total loans | $75,837,000 | 3,517 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3647% | 3,434 |
| Cost of funding earning assets | 0.1197% | 4,283 |
| Net interest margin | 3.2451% | 2,719 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.7501% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1270% | 2,067 |
| Return on assets (ROA) | 0.9421% | 2,746 |
| Pretax return on assets | 1.1688% | 2,532 |
| Return on Equity (ROE) | 10.2700% | 2,727 |
| Retained earnings to average equity (ytd only) | 6.2354% | 2,559 |
| Net charge-offs to loans | 0.4465% | 170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 7.5114% | 2,302 |
| Efficiency ratio | 54.4325% | 3,754 |
| Assets per employee ($millions) | 9.8933% | 699 |
| Cash dividends to net income (ytd only)* | 39.2597% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 1,377 |
| Loan loss allowance to noncurrent loans | 770.5036% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 3,016 |
| Noncurrent loans to loans | 0.1867% | 2,555 |
| Net loans and leases to total assets | 41.2000% | 4,020 |
| Net loans and leases to deposits | 45.4514% | 4,068 |
| Net loans and leases to core deposits | 46.6397% | 4,095 |
| Total domestic deposits to total assets | 90.6500% | 1,082 |
| Equity capital to assets | 8.9983% | 2,359 |
| Core capital (leverage) ratio | 10.8431% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $189,248,600 | 3,108 |
| Average earning assets | $176,298,400 | 3,096 |
| Average equity | $17,368,600 | 3,178 |
| Average total loans | $78,840,800 | 3,429 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1793% | 3,484 |
| Cost of funding earning assets | 0.0945% | 4,322 |
| Net interest margin | 3.0847% | 2,977 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.6739% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2813% | 1,424 |
| Return on assets (ROA) | 1.2851% | 1,372 |
| Pretax return on assets | 1.6246% | 1,059 |
| Return on Equity (ROE) | 13.9400% | 1,443 |
| Retained earnings to average equity (ytd only) | 13.9394% | 470 |
| Net charge-offs to loans | 0.5637% | 113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 6.9024% | 2,094 |
| Efficiency ratio | 49.7049% | 4,178 |
| Assets per employee ($millions) | 10.5513% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 1,495 |
| Loan loss allowance to noncurrent loans | 691.0828% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 1.1110% | 391 |
| Noncurrent loans to loans | 0.2076% | 2,562 |
| Net loans and leases to total assets | 39.2500% | 4,100 |
| Net loans and leases to deposits | 42.7600% | 4,159 |
| Net loans and leases to core deposits | 43.4685% | 4,183 |
| Total domestic deposits to total assets | 91.7800% | 945 |
| Equity capital to assets | 7.7579% | 3,049 |
| Core capital (leverage) ratio | 11.1267% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $192,041,000 | 3,114 |
| Average earning assets | $179,114,000 | 3,096 |
| Average equity | $17,704,750 | 3,183 |
| Average total loans | $79,939,500 | 3,424 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9979% | 3,565 |
| Cost of funding earning assets | 0.0941% | 4,256 |
| Net interest margin | 2.9038% | 3,159 |
| Noninterest income to average assets | 0.4068% | 2,713 |
| Noninterest expense to average assets | 1.6498% | 4,215 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1833% | 1,487 |
| Return on assets (ROA) | 1.1850% | 1,456 |
| Pretax return on assets | 1.4817% | 1,223 |
| Return on Equity (ROE) | 12.2172% | 1,612 |
| Retained earnings to average equity (ytd only) | 12.2172% | 576 |
| Net charge-offs to loans | 0.8012% | 79 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 4.3742% | 1,957 |
| Efficiency ratio | 51.5584% | 4,163 |
| Assets per employee ($millions) | 12.0371% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 1,719 |
| Loan loss allowance to noncurrent loans | 681.3665% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 1.1740% | 364 |
| Noncurrent loans to loans | 0.2068% | 2,679 |
| Net loans and leases to total assets | 39.8476% | 4,080 |
| Net loans and leases to deposits | 43.9205% | 4,117 |
| Net loans and leases to core deposits | 44.6679% | 4,170 |
| Total domestic deposits to total assets | 90.7266% | 1,371 |
| Equity capital to assets | 8.8689% | 2,478 |
| Core capital (leverage) ratio | 10.9936% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,747,000 | 3,140 |
| Average earning assets | $180,728,000 | 3,129 |
| Average equity | $18,695,000 | 3,170 |
| Average total loans | $81,378,333 | 3,434 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9088% | 3,512 |
| Cost of funding earning assets | 0.0962% | 4,181 |
| Net interest margin | 2.8126% | 3,098 |
| Noninterest income to average assets | 0.3858% | 2,777 |
| Noninterest expense to average assets | 1.6471% | 4,216 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0953% | 1,539 |
| Return on assets (ROA) | 1.0953% | 1,535 |
| Pretax return on assets | 1.4065% | 1,235 |
| Return on Equity (ROE) | 10.8297% | 1,669 |
| Retained earnings to average equity (ytd only) | 10.8297% | 814 |
| Net charge-offs to loans | 1.5683% | 49 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2.0798% | 1,715 |
| Efficiency ratio | 52.7174% | 4,142 |
| Assets per employee ($millions) | 10.7533% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 1,993 |
| Loan loss allowance to noncurrent loans | 664.8485% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 382 |
| Noncurrent loans to loans | 0.2074% | 2,785 |
| Net loans and leases to total assets | 40.5290% | 3,975 |
| Net loans and leases to deposits | 44.8844% | 4,026 |
| Net loans and leases to core deposits | 45.7162% | 4,090 |
| Total domestic deposits to total assets | 90.2965% | 1,388 |
| Equity capital to assets | 9.3790% | 2,384 |
| Core capital (leverage) ratio | 10.7380% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,823,500 | 3,148 |
| Average earning assets | $182,894,000 | 3,125 |
| Average equity | $19,502,000 | 3,186 |
| Average total loans | $83,147,000 | 3,417 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0208% | 3,835 |
| Cost of funding earning assets | 0.1578% | 3,893 |
| Net interest margin | 2.8630% | 3,528 |
| Noninterest income to average assets | 0.4359% | 2,879 |
| Noninterest expense to average assets | 1.6117% | 4,410 |
| Loan and lease loss provision to assets | 0.3426% | 223 |
| Net operating income to assets | 0.9370% | 2,914 |
| Return on assets (ROA) | 0.9919% | 2,772 |
| Pretax return on assets | 1.2765% | 2,433 |
| Return on Equity (ROE) | 9.2374% | 2,811 |
| Retained earnings to average equity (ytd only) | 6.7342% | 2,025 |
| Net charge-offs to loans | 0.7033% | 108 |
| Credit loss provision to net charge-offs | 98.0392% | 1,831 |
| Earnings coverage of net charge-offs (x) | 4.4344% | 2,491 |
| Efficiency ratio | 49.8166% | 4,298 |
| Assets per employee ($millions) | 9.6044% | 754 |
| Cash dividends to net income (ytd only)* | 27.0988% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 1,175 |
| Loan loss allowance to noncurrent loans | 39.1364% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.8929% | 175 |
| Noncurrent loans to loans | 4.1914% | 96 |
| Net loans and leases to total assets | 44.4205% | 3,808 |
| Net loans and leases to deposits | 49.9792% | 3,882 |
| Net loans and leases to core deposits | 50.9327% | 3,973 |
| Total domestic deposits to total assets | 88.8780% | 1,586 |
| Equity capital to assets | 10.8545% | 1,898 |
| Core capital (leverage) ratio | 10.5686% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,732,800 | 3,134 |
| Average earning assets | $180,612,200 | 3,087 |
| Average equity | $20,373,600 | 3,181 |
| Average total loans | $94,269,000 | 3,269 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0682% | 3,872 |
| Cost of funding earning assets | 0.1690% | 3,935 |
| Net interest margin | 2.8992% | 3,555 |
| Noninterest income to average assets | 0.4483% | 2,848 |
| Noninterest expense to average assets | 1.5861% | 4,481 |
| Loan and lease loss provision to assets | 0.4584% | 133 |
| Net operating income to assets | 0.8966% | 3,258 |
| Return on assets (ROA) | 0.9467% | 3,174 |
| Pretax return on assets | 1.2244% | 2,854 |
| Return on Equity (ROE) | 8.8406% | 3,155 |
| Retained earnings to average equity (ytd only) | 5.4834% | 3,049 |
| Net charge-offs to loans | 0.0180% | 1,698 |
| Credit loss provision to net charge-offs | 5,000.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 176.6923% | 606 |
| Efficiency ratio | 48.3176% | 4,345 |
| Assets per employee ($millions) | 10.0032% | 637 |
| Cash dividends to net income (ytd only)* | 37.9747% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2869% | 401 |
| Loan loss allowance to noncurrent loans | 47.5459% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 2.2940% | 147 |
| Noncurrent loans to loans | 4.8098% | 84 |
| Net loans and leases to total assets | 46.6037% | 3,747 |
| Net loans and leases to deposits | 52.5902% | 3,838 |
| Net loans and leases to core deposits | 53.6129% | 3,940 |
| Total domestic deposits to total assets | 88.6168% | 1,506 |
| Equity capital to assets | 10.8813% | 2,097 |
| Core capital (leverage) ratio | 10.5075% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,144,250 | 3,174 |
| Average earning assets | $179,864,000 | 3,132 |
| Average equity | $20,254,500 | 3,223 |
| Average total loans | $96,149,000 | 3,288 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0251% | 3,996 |
| Cost of funding earning assets | 0.1842% | 3,911 |
| Net interest margin | 2.8409% | 3,697 |
| Noninterest income to average assets | 0.4353% | 2,927 |
| Noninterest expense to average assets | 1.5484% | 4,578 |
| Loan and lease loss provision to assets | 0.6884% | 62 |
| Net operating income to assets | 0.6661% | 3,842 |
| Return on assets (ROA) | 0.7414% | 3,723 |
| Pretax return on assets | 0.9892% | 3,468 |
| Return on Equity (ROE) | 6.9609% | 3,667 |
| Retained earnings to average equity (ytd only) | 1.8894% | 4,142 |
| Net charge-offs to loans | 0.0286% | 1,380 |
| Credit loss provision to net charge-offs | 4,642.8571% | 153 |
| Earnings coverage of net charge-offs (x) | 106.7143% | 724 |
| Efficiency ratio | 48.2747% | 4,367 |
| Assets per employee ($millions) | 9.9488% | 618 |
| Cash dividends to net income (ytd only)* | 72.8571% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2974% | 359 |
| Loan loss allowance to noncurrent loans | 42.5375% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 2.5769% | 126 |
| Noncurrent loans to loans | 5.4009% | 71 |
| Net loans and leases to total assets | 46.6158% | 3,857 |
| Net loans and leases to deposits | 52.4603% | 3,966 |
| Net loans and leases to core deposits | 53.4801% | 4,049 |
| Total domestic deposits to total assets | 88.8593% | 1,352 |
| Equity capital to assets | 10.6217% | 2,287 |
| Core capital (leverage) ratio | 10.2195% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,839,000 | 3,182 |
| Average earning assets | $179,166,667 | 3,140 |
| Average equity | $20,112,333 | 3,231 |
| Average total loans | $97,982,667 | 3,285 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4022% | 3,189 |
| Cost of funding earning assets | 0.2103% | 3,825 |
| Net interest margin | 3.1919% | 2,726 |
| Noninterest income to average assets | 0.3560% | 3,303 |
| Noninterest expense to average assets | 1.5258% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4242% | 1,514 |
| Return on assets (ROA) | 1.5682% | 1,239 |
| Pretax return on assets | 2.0366% | 893 |
| Return on Equity (ROE) | 14.6964% | 1,278 |
| Retained earnings to average equity (ytd only) | 4.5678% | 3,345 |
| Net charge-offs to loans | 0.0353% | 1,123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 97.2222% | 626 |
| Efficiency ratio | 45.1411% | 4,519 |
| Assets per employee ($millions) | 10.2401% | 553 |
| Cash dividends to net income (ytd only)* | 68.9189% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 1,932 |
| Loan loss allowance to noncurrent loans | 228.6859% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 2,543 |
| Noncurrent loans to loans | 0.6144% | 2,034 |
| Net loans and leases to total assets | 51.4656% | 3,498 |
| Net loans and leases to deposits | 57.7686% | 3,659 |
| Net loans and leases to core deposits | 58.8524% | 3,778 |
| Total domestic deposits to total assets | 89.0893% | 1,296 |
| Equity capital to assets | 10.2708% | 2,459 |
| Core capital (leverage) ratio | 10.1485% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,748,000 | 3,177 |
| Average earning assets | $178,827,500 | 3,134 |
| Average equity | $20,141,000 | 3,230 |
| Average total loans | $101,918,000 | 3,229 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 2,630 |
| Cost of funding earning assets | 0.3221% | 4,017 |
| Net interest margin | 3.7106% | 1,761 |
| Noninterest income to average assets | 0.4101% | 3,044 |
| Noninterest expense to average assets | 1.8421% | 4,403 |
| Loan and lease loss provision to assets | 0.0991% | 3,098 |
| Net operating income to assets | 1.5402% | 725 |
| Return on assets (ROA) | 1.6279% | 652 |
| Pretax return on assets | 2.0777% | 383 |
| Return on Equity (ROE) | 14.1079% | 784 |
| Retained earnings to average equity (ytd only) | 2.1501% | 3,763 |
| Net charge-offs to loans | -0.0040% | 4,080 |
| Credit loss provision to net charge-offs | -4,375.0000% | 4,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1373% | 4,669 |
| Assets per employee ($millions) | 9.6282% | 593 |
| Cash dividends to net income (ytd only)* | 84.7599% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 1,957 |
| Loan loss allowance to noncurrent loans | 483.5017% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 3,460 |
| Noncurrent loans to loans | 0.2904% | 3,159 |
| Net loans and leases to total assets | 55.1240% | 3,380 |
| Net loans and leases to deposits | 62.4495% | 3,574 |
| Net loans and leases to core deposits | 63.7045% | 3,710 |
| Total domestic deposits to total assets | 88.2696% | 1,342 |
| Equity capital to assets | 11.0963% | 2,175 |
| Core capital (leverage) ratio | 10.1027% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,542,400 | 3,133 |
| Average earning assets | $166,416,200 | 3,106 |
| Average equity | $20,371,600 | 3,154 |
| Average total loans | $100,678,000 | 3,219 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 2,336 |
| Cost of funding earning assets | 0.3357% | 4,124 |
| Net interest margin | 3.8851% | 1,388 |
| Noninterest income to average assets | 0.4161% | 3,003 |
| Noninterest expense to average assets | 1.8375% | 4,430 |
| Loan and lease loss provision to assets | 0.1143% | 2,893 |
| Net operating income to assets | 1.6384% | 667 |
| Return on assets (ROA) | 1.7552% | 565 |
| Pretax return on assets | 2.2811% | 288 |
| Return on Equity (ROE) | 15.0595% | 682 |
| Retained earnings to average equity (ytd only) | 11.5284% | 493 |
| Net charge-offs to loans | -0.0040% | 4,004 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9813% | 4,757 |
| Assets per employee ($millions) | 10.1164% | 489 |
| Cash dividends to net income (ytd only)* | 23.4477% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 2,061 |
| Loan loss allowance to noncurrent loans | 295.1883% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 3,145 |
| Noncurrent loans to loans | 0.4490% | 2,704 |
| Net loans and leases to total assets | 54.6576% | 3,740 |
| Net loans and leases to deposits | 62.0584% | 3,929 |
| Net loans and leases to core deposits | 63.1571% | 4,046 |
| Total domestic deposits to total assets | 88.0746% | 1,189 |
| Equity capital to assets | 11.2018% | 2,228 |
| Core capital (leverage) ratio | 10.7809% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,944,250 | 3,134 |
| Average earning assets | $165,206,500 | 3,101 |
| Average equity | $20,389,750 | 3,147 |
| Average total loans | $100,278,250 | 3,234 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 1,577 |
| Cost of funding earning assets | 0.3341% | 4,342 |
| Net interest margin | 4.3006% | 756 |
| Noninterest income to average assets | 0.4208% | 2,969 |
| Noninterest expense to average assets | 1.8926% | 4,426 |
| Loan and lease loss provision to assets | 0.1182% | 2,838 |
| Net operating income to assets | 1.8735% | 424 |
| Return on assets (ROA) | 2.0510% | 331 |
| Pretax return on assets | 2.6822% | 160 |
| Return on Equity (ROE) | 17.3419% | 419 |
| Retained earnings to average equity (ytd only) | 11.9444% | 468 |
| Net charge-offs to loans | -0.0061% | 4,072 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3545% | 4,855 |
| Assets per employee ($millions) | 8.5029% | 806 |
| Cash dividends to net income (ytd only)* | 31.1239% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,091 |
| Loan loss allowance to noncurrent loans | 583.6910% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 3,856 |
| Noncurrent loans to loans | 0.2197% | 3,594 |
| Net loans and leases to total assets | 55.9750% | 3,689 |
| Net loans and leases to deposits | 63.8131% | 3,896 |
| Net loans and leases to core deposits | 64.9745% | 4,020 |
| Total domestic deposits to total assets | 87.7170% | 1,322 |
| Equity capital to assets | 11.2234% | 2,164 |
| Core capital (leverage) ratio | 10.9892% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,188,667 | 3,166 |
| Average earning assets | $159,234,000 | 3,139 |
| Average equity | $20,009,333 | 3,171 |
| Average total loans | $98,214,667 | 3,267 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4425% | 2,468 |
| Cost of funding earning assets | 0.3862% | 4,403 |
| Net interest margin | 4.0563% | 1,232 |
| Noninterest income to average assets | 0.4867% | 2,624 |
| Noninterest expense to average assets | 1.9819% | 4,433 |
| Loan and lease loss provision to assets | 0.0624% | 2,986 |
| Net operating income to assets | 1.7218% | 492 |
| Return on assets (ROA) | 1.7198% | 546 |
| Pretax return on assets | 2.2415% | 271 |
| Return on Equity (ROE) | 14.1214% | 676 |
| Retained earnings to average equity (ytd only) | 3.0538% | 3,062 |
| Net charge-offs to loans | -0.0170% | 4,273 |
| Credit loss provision to net charge-offs | -625.0000% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2165% | 4,823 |
| Assets per employee ($millions) | 7.1304% | 1,033 |
| Cash dividends to net income (ytd only)* | 78.3745% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 1,835 |
| Loan loss allowance to noncurrent loans | 188.4334% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 2,768 |
| Noncurrent loans to loans | 0.7243% | 2,187 |
| Net loans and leases to total assets | 56.7156% | 3,777 |
| Net loans and leases to deposits | 65.2283% | 3,913 |
| Net loans and leases to core deposits | 66.5924% | 4,046 |
| Total domestic deposits to total assets | 86.9493% | 1,581 |
| Equity capital to assets | 12.1031% | 1,994 |
| Core capital (leverage) ratio | 11.6672% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,251,000 | 3,215 |
| Average earning assets | $150,185,500 | 3,191 |
| Average equity | $19,516,500 | 3,214 |
| Average total loans | $94,287,500 | 3,313 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 3,177 |
| Cost of funding earning assets | 0.4430% | 4,296 |
| Net interest margin | 3.9816% | 1,907 |
| Noninterest income to average assets | 0.4633% | 2,939 |
| Noninterest expense to average assets | 2.0578% | 4,435 |
| Loan and lease loss provision to assets | 0.0617% | 2,802 |
| Net operating income to assets | 1.6326% | 768 |
| Return on assets (ROA) | 1.7198% | 674 |
| Pretax return on assets | 2.1744% | 399 |
| Return on Equity (ROE) | 14.6189% | 769 |
| Retained earnings to average equity (ytd only) | 2.1289% | 3,931 |
| Net charge-offs to loans | 0.0089% | 3,365 |
| Credit loss provision to net charge-offs | 1,250.0000% | 274 |
| Earnings coverage of net charge-offs (x) | 430.7500% | 215 |
| Efficiency ratio | 49.1890% | 4,775 |
| Assets per employee ($millions) | 7.1138% | 999 |
| Cash dividends to net income (ytd only)* | 85.4376% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 1,780 |
| Loan loss allowance to noncurrent loans | 686.8852% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 3,911 |
| Noncurrent loans to loans | 0.1941% | 3,762 |
| Net loans and leases to total assets | 59.4353% | 3,639 |
| Net loans and leases to deposits | 69.0224% | 3,740 |
| Net loans and leases to core deposits | 70.5430% | 3,934 |
| Total domestic deposits to total assets | 86.1102% | 2,028 |
| Equity capital to assets | 12.2579% | 1,974 |
| Core capital (leverage) ratio | 11.5506% | 2,074 |
| Tier 1 risk-based capital ratio | 16.1717% | 2,342 |
| Total risk-based capital ratio | 17.2674% | 2,345 |
| Memoranda: | ||
| Average total assets | $162,111,800 | 3,187 |
| Average earning assets | $151,473,600 | 3,163 |
| Average equity | $19,071,200 | 3,217 |
| Average total loans | $90,080,000 | 3,395 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 3,467 |
| Cost of funding earning assets | 0.4392% | 4,367 |
| Net interest margin | 3.9246% | 2,176 |
| Noninterest income to average assets | 0.4656% | 2,926 |
| Noninterest expense to average assets | 2.0018% | 4,549 |
| Loan and lease loss provision to assets | 0.0612% | 2,674 |
| Net operating income to assets | 1.6450% | 834 |
| Return on assets (ROA) | 1.7605% | 698 |
| Pretax return on assets | 2.2122% | 446 |
| Return on Equity (ROE) | 15.1163% | 754 |
| Retained earnings to average equity (ytd only) | 10.4252% | 643 |
| Net charge-offs to loans | -0.0090% | 4,346 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4603% | 4,827 |
| Assets per employee ($millions) | 7.3306% | 902 |
| Cash dividends to net income (ytd only)* | 31.0329% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 1,773 |
| Loan loss allowance to noncurrent loans | 523.5294% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 3,901 |
| Noncurrent loans to loans | 0.2577% | 3,621 |
| Net loans and leases to total assets | 56.4983% | 4,017 |
| Net loans and leases to deposits | 65.4336% | 4,101 |
| Net loans and leases to core deposits | 66.8341% | 4,232 |
| Total domestic deposits to total assets | 86.3444% | 1,849 |
| Equity capital to assets | 12.5631% | 1,866 |
| Core capital (leverage) ratio | 12.0083% | 1,845 |
| Tier 1 risk-based capital ratio | 17.6243% | 1,915 |
| Total risk-based capital ratio | 18.7437% | 1,917 |
| Memoranda: | ||
| Average total assets | $163,514,000 | 3,203 |
| Average earning assets | $152,709,000 | 3,187 |
| Average equity | $19,043,000 | 3,246 |
| Average total loans | $89,031,250 | 3,458 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 3,597 |
| Cost of funding earning assets | 0.4069% | 4,482 |
| Net interest margin | 3.9081% | 2,222 |
| Noninterest income to average assets | 0.4420% | 3,003 |
| Noninterest expense to average assets | 2.0187% | 4,577 |
| Loan and lease loss provision to assets | 0.0609% | 2,608 |
| Net operating income to assets | 1.6213% | 862 |
| Return on assets (ROA) | 1.7180% | 731 |
| Pretax return on assets | 2.1308% | 515 |
| Return on Equity (ROE) | 15.1419% | 731 |
| Retained earnings to average equity (ytd only) | 7.9519% | 1,421 |
| Net charge-offs to loans | -0.0114% | 4,366 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3452% | 4,819 |
| Assets per employee ($millions) | 7.8985% | 700 |
| Cash dividends to net income (ytd only)* | 47.4841% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 1,776 |
| Loan loss allowance to noncurrent loans | 497.9592% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 3,927 |
| Noncurrent loans to loans | 0.2730% | 3,553 |
| Net loans and leases to total assets | 53.3701% | 4,261 |
| Net loans and leases to deposits | 61.2754% | 4,361 |
| Net loans and leases to core deposits | 62.5328% | 4,482 |
| Total domestic deposits to total assets | 87.0988% | 1,550 |
| Equity capital to assets | 11.7425% | 2,390 |
| Core capital (leverage) ratio | 11.4789% | 2,190 |
| Tier 1 risk-based capital ratio | 17.4805% | 1,947 |
| Total risk-based capital ratio | 18.6117% | 1,936 |
| Memoranda: | ||
| Average total assets | $164,260,670 | 3,205 |
| Average earning assets | $153,372,000 | 3,199 |
| Average equity | $18,637,000 | 3,286 |
| Average total loans | $87,920,670 | 3,501 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2636% | 3,666 |
| Cost of funding earning assets | 0.3536% | 4,667 |
| Net interest margin | 3.9100% | 2,158 |
| Noninterest income to average assets | 0.4356% | 2,941 |
| Noninterest expense to average assets | 1.9944% | 4,653 |
| Loan and lease loss provision to assets | 0.0612% | 2,432 |
| Net operating income to assets | 1.5845% | 925 |
| Return on assets (ROA) | 1.6445% | 847 |
| Pretax return on assets | 2.1094% | 513 |
| Return on Equity (ROE) | 14.7554% | 801 |
| Retained earnings to average equity (ytd only) | 0.0439% | 4,522 |
| Net charge-offs to loans | -0.0184% | 4,458 |
| Credit loss provision to net charge-offs | -625.0000% | 3,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7732% | 4,912 |
| Assets per employee ($millions) | 6.8775% | 1,050 |
| Cash dividends to net income (ytd only)* | 99.7024% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 1,965 |
| Loan loss allowance to noncurrent loans | 321.8329% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 3,637 |
| Noncurrent loans to loans | 0.4125% | 3,109 |
| Net loans and leases to total assets | 53.7608% | 4,221 |
| Net loans and leases to deposits | 60.8809% | 4,367 |
| Net loans and leases to core deposits | 62.0044% | 4,479 |
| Total domestic deposits to total assets | 88.3048% | 1,184 |
| Equity capital to assets | 11.1257% | 2,726 |
| Core capital (leverage) ratio | 11.0903% | 2,490 |
| Tier 1 risk-based capital ratio | 16.7837% | 2,178 |
| Total risk-based capital ratio | 17.8910% | 2,169 |
| Memoranda: | ||
| Average total assets | $163,457,000 | 3,259 |
| Average earning assets | $152,735,500 | 3,240 |
| Average equity | $18,217,000 | 3,336 |
| Average total loans | $87,009,000 | 3,559 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 4,096 |
| Cost of funding earning assets | 0.1969% | 5,018 |
| Net interest margin | 3.7781% | 2,749 |
| Noninterest income to average assets | 0.5282% | 2,666 |
| Noninterest expense to average assets | 2.0931% | 4,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5427% | 1,012 |
| Return on assets (ROA) | 1.5427% | 1,005 |
| Pretax return on assets | 1.9680% | 600 |
| Return on Equity (ROE) | 13.5829% | 1,151 |
| Retained earnings to average equity (ytd only) | 4.5164% | 3,043 |
| Net charge-offs to loans | 0.0142% | 3,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 281.8182% | 347 |
| Efficiency ratio | 51.5398% | 4,834 |
| Assets per employee ($millions) | 7.3570% | 849 |
| Cash dividends to net income (ytd only)* | 66.7490% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 1,695 |
| Loan loss allowance to noncurrent loans | 661.9318% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 4,175 |
| Noncurrent loans to loans | 0.2093% | 3,828 |
| Net loans and leases to total assets | 51.2323% | 4,445 |
| Net loans and leases to deposits | 58.0231% | 4,574 |
| Net loans and leases to core deposits | 59.1105% | 4,667 |
| Total domestic deposits to total assets | 88.2963% | 1,160 |
| Equity capital to assets | 11.1643% | 2,541 |
| Core capital (leverage) ratio | 11.6147% | 2,012 |
| Tier 1 risk-based capital ratio | 18.4049% | 1,642 |
| Total risk-based capital ratio | 19.5911% | 1,608 |
| Memoranda: | ||
| Average total assets | $157,519,400 | 3,311 |
| Average earning assets | $147,294,800 | 3,281 |
| Average equity | $17,890,200 | 3,302 |
| Average total loans | $77,680,000 | 3,712 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 4,041 |
| Cost of funding earning assets | 0.1848% | 5,075 |
| Net interest margin | 3.7780% | 2,721 |
| Noninterest income to average assets | 0.5412% | 2,612 |
| Noninterest expense to average assets | 2.0038% | 4,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6330% | 887 |
| Return on assets (ROA) | 1.6330% | 893 |
| Pretax return on assets | 2.0753% | 517 |
| Return on Equity (ROE) | 14.3153% | 1,033 |
| Retained earnings to average equity (ytd only) | 9.2945% | 1,120 |
| Net charge-offs to loans | 0.0105% | 3,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 405.8238% | 232 |
| Efficiency ratio | 49.1224% | 4,990 |
| Assets per employee ($millions) | 6.6578% | 1,111 |
| Cash dividends to net income (ytd only)* | 35.0732% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 1,169 |
| Loan loss allowance to noncurrent loans | 264.9321% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 3,450 |
| Noncurrent loans to loans | 0.5894% | 2,611 |
| Net loans and leases to total assets | 48.2107% | 4,708 |
| Net loans and leases to deposits | 55.1802% | 4,784 |
| Net loans and leases to core deposits | 56.2931% | 4,839 |
| Total domestic deposits to total assets | 87.3696% | 1,562 |
| Equity capital to assets | 11.9820% | 1,917 |
| Core capital (leverage) ratio | 11.8640% | 1,867 |
| Tier 1 risk-based capital ratio | 20.9205% | 1,194 |
| Total risk-based capital ratio | 22.1703% | 1,171 |
| Memoranda: | ||
| Average total assets | $156,435,500 | 3,348 |
| Average earning assets | $146,494,750 | 3,326 |
| Average equity | $17,845,250 | 3,336 |
| Average total loans | $76,078,250 | 3,782 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9175% | 4,024 |
| Cost of funding earning assets | 0.1775% | 5,118 |
| Net interest margin | 3.7400% | 2,790 |
| Noninterest income to average assets | 0.5446% | 2,600 |
| Noninterest expense to average assets | 1.9906% | 4,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6161% | 891 |
| Return on assets (ROA) | 1.6161% | 896 |
| Pretax return on assets | 2.0579% | 532 |
| Return on Equity (ROE) | 14.4024% | 985 |
| Retained earnings to average equity (ytd only) | 6.9127% | 2,106 |
| Net charge-offs to loans | -0.0078% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1690% | 5,069 |
| Assets per employee ($millions) | 7.0641% | 896 |
| Cash dividends to net income (ytd only)* | 52.0031% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 1,269 |
| Loan loss allowance to noncurrent loans | 241.5984% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 3,409 |
| Noncurrent loans to loans | 0.6379% | 2,517 |
| Net loans and leases to total assets | 48.4686% | 4,697 |
| Net loans and leases to deposits | 55.9044% | 4,760 |
| Net loans and leases to core deposits | 56.8040% | 4,838 |
| Total domestic deposits to total assets | 86.6991% | 1,974 |
| Equity capital to assets | 11.4903% | 2,206 |
| Core capital (leverage) ratio | 11.3914% | 2,164 |
| Tier 1 risk-based capital ratio | 19.6008% | 1,403 |
| Total risk-based capital ratio | 20.8509% | 1,365 |
| Memoranda: | ||
| Average total assets | $157,537,330 | 3,352 |
| Average earning assets | $147,594,000 | 3,325 |
| Average equity | $17,677,670 | 3,369 |
| Average total loans | $76,439,000 | 3,794 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9540% | 3,777 |
| Cost of funding earning assets | 0.1934% | 5,051 |
| Net interest margin | 3.7606% | 2,574 |
| Noninterest income to average assets | 0.4994% | 2,802 |
| Noninterest expense to average assets | 2.0479% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5485% | 956 |
| Return on assets (ROA) | 1.5485% | 964 |
| Pretax return on assets | 1.9823% | 587 |
| Return on Equity (ROE) | 13.9641% | 1,022 |
| Retained earnings to average equity (ytd only) | 3.5479% | 3,785 |
| Net charge-offs to loans | -0.0157% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8135% | 5,037 |
| Assets per employee ($millions) | 6.2459% | 1,342 |
| Cash dividends to net income (ytd only)* | 74.5928% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 1,256 |
| Loan loss allowance to noncurrent loans | 234.8606% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 3,412 |
| Noncurrent loans to loans | 0.6644% | 2,558 |
| Net loans and leases to total assets | 47.6337% | 4,711 |
| Net loans and leases to deposits | 54.0510% | 4,793 |
| Net loans and leases to core deposits | 54.6993% | 4,892 |
| Total domestic deposits to total assets | 88.1273% | 1,549 |
| Equity capital to assets | 11.1932% | 2,394 |
| Core capital (leverage) ratio | 10.8693% | 2,567 |
| Tier 1 risk-based capital ratio | 19.3683% | 1,463 |
| Total risk-based capital ratio | 20.6181% | 1,427 |
| Memoranda: | ||
| Average total assets | $158,601,000 | 3,378 |
| Average earning assets | $148,911,000 | 3,349 |
| Average equity | $17,588,000 | 3,411 |
| Average total loans | $76,406,500 | 3,820 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7412% | 4,240 |
| Cost of funding earning assets | 0.1383% | 5,322 |
| Net interest margin | 3.6029% | 3,156 |
| Noninterest income to average assets | 0.4983% | 3,013 |
| Noninterest expense to average assets | 2.0522% | 4,874 |
| Loan and lease loss provision to assets | 0.1903% | 1,104 |
| Net operating income to assets | 1.1729% | 1,607 |
| Return on assets (ROA) | 1.1733% | 1,626 |
| Pretax return on assets | 1.6427% | 1,186 |
| Return on Equity (ROE) | 10.6612% | 1,609 |
| Retained earnings to average equity (ytd only) | 2.0987% | 4,061 |
| Net charge-offs to loans | 0.0164% | 3,543 |
| Credit loss provision to net charge-offs | 2,575.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 247.9167% | 340 |
| Efficiency ratio | 52.8302% | 5,052 |
| Assets per employee ($millions) | 6.7106% | 1,099 |
| Cash dividends to net income (ytd only)* | 80.3150% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 1,333 |
| Loan loss allowance to noncurrent loans | 286.1314% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 3,728 |
| Noncurrent loans to loans | 0.5320% | 2,908 |
| Net loans and leases to total assets | 47.2382% | 4,814 |
| Net loans and leases to deposits | 57.6273% | 4,706 |
| Net loans and leases to core deposits | 58.3468% | 4,834 |
| Total domestic deposits to total assets | 81.9719% | 3,878 |
| Equity capital to assets | 10.9889% | 2,637 |
| Core capital (leverage) ratio | 10.5644% | 2,774 |
| Tier 1 risk-based capital ratio | 18.7375% | 1,576 |
| Total risk-based capital ratio | 19.9878% | 1,534 |
| Memoranda: | ||
| Average total assets | $162,359,000 | 3,318 |
| Average earning assets | $152,597,400 | 3,291 |
| Average equity | $17,868,600 | 3,387 |
| Average total loans | $73,147,400 | 3,894 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,415 |
| Cost of funding earning assets | 0.1351% | 5,398 |
| Net interest margin | 3.5285% | 3,395 |
| Noninterest income to average assets | 0.5057% | 3,001 |
| Noninterest expense to average assets | 2.0481% | 4,852 |
| Loan and lease loss provision to assets | 0.2221% | 833 |
| Net operating income to assets | 1.1345% | 1,935 |
| Return on assets (ROA) | 1.1351% | 1,992 |
| Pretax return on assets | 1.5539% | 1,565 |
| Return on Equity (ROE) | 10.3098% | 1,982 |
| Retained earnings to average equity (ytd only) | 5.6202% | 2,472 |
| Net charge-offs to loans | 0.0166% | 3,185 |
| Credit loss provision to net charge-offs | 3,011.1111% | 151 |
| Earnings coverage of net charge-offs (x) | 240.6608% | 365 |
| Efficiency ratio | 53.5691% | 4,962 |
| Assets per employee ($millions) | 6.5628% | 1,146 |
| Cash dividends to net income (ytd only)* | 45.4874% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,567 |
| Loan loss allowance to noncurrent loans | 237.7083% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 3,794 |
| Noncurrent loans to loans | 0.6271% | 2,827 |
| Net loans and leases to total assets | 45.9539% | 4,944 |
| Net loans and leases to deposits | 52.5492% | 5,025 |
| Net loans and leases to core deposits | 53.1612% | 5,098 |
| Total domestic deposits to total assets | 87.4493% | 1,645 |
| Equity capital to assets | 11.2659% | 2,604 |
| Core capital (leverage) ratio | 10.7902% | 2,652 |
| Tier 1 risk-based capital ratio | 19.4132% | 1,498 |
| Total risk-based capital ratio | 20.6629% | 1,456 |
| Memoranda: | ||
| Average total assets | $162,685,250 | 3,349 |
| Average earning assets | $152,961,500 | 3,314 |
| Average equity | $17,911,250 | 3,409 |
| Average total loans | $72,120,500 | 3,949 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6377% | 4,402 |
| Cost of funding earning assets | 0.1352% | 5,420 |
| Net interest margin | 3.5026% | 3,390 |
| Noninterest income to average assets | 0.4882% | 3,096 |
| Noninterest expense to average assets | 2.0589% | 4,857 |
| Loan and lease loss provision to assets | 0.2219% | 791 |
| Net operating income to assets | 1.0446% | 2,233 |
| Return on assets (ROA) | 1.0455% | 2,268 |
| Pretax return on assets | 1.4992% | 1,641 |
| Return on Equity (ROE) | 9.5709% | 2,231 |
| Retained earnings to average equity (ytd only) | 2.4605% | 4,214 |
| Net charge-offs to loans | -0.0028% | 4,221 |
| Credit loss provision to net charge-offs | -18,000.0000% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4861% | 4,974 |
| Assets per employee ($millions) | 6.6260% | 1,081 |
| Cash dividends to net income (ytd only)* | 74.2925% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 1,682 |
| Loan loss allowance to noncurrent loans | 170.8535% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 3,531 |
| Noncurrent loans to loans | 0.8609% | 2,262 |
| Net loans and leases to total assets | 42.9079% | 5,103 |
| Net loans and leases to deposits | 48.4899% | 5,190 |
| Net loans and leases to core deposits | 49.0413% | 5,250 |
| Total domestic deposits to total assets | 88.4884% | 1,209 |
| Equity capital to assets | 10.8953% | 2,931 |
| Core capital (leverage) ratio | 10.5449% | 2,864 |
| Tier 1 risk-based capital ratio | 19.0589% | 1,587 |
| Total risk-based capital ratio | 20.2417% | 1,540 |
| Memoranda: | ||
| Average total assets | $162,223,330 | 3,370 |
| Average earning assets | $152,402,000 | 3,340 |
| Average equity | $17,720,330 | 3,444 |
| Average total loans | $70,648,000 | 3,993 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5591% | 4,519 |
| Cost of funding earning assets | 0.1381% | 5,449 |
| Net interest margin | 3.4210% | 3,566 |
| Noninterest income to average assets | 0.4860% | 3,065 |
| Noninterest expense to average assets | 2.0759% | 4,902 |
| Loan and lease loss provision to assets | 0.2243% | 701 |
| Net operating income to assets | 0.9776% | 2,407 |
| Return on assets (ROA) | 0.9794% | 2,446 |
| Pretax return on assets | 1.3980% | 1,900 |
| Return on Equity (ROE) | 8.9539% | 2,446 |
| Retained earnings to average equity (ytd only) | -1.0708% | 5,077 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1699% | 4,919 |
| Assets per employee ($millions) | 6.0560% | 1,466 |
| Cash dividends to net income (ytd only)* | 111.9593% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 2,318 |
| Loan loss allowance to noncurrent loans | 139.6254% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4520% | 3,388 |
| Noncurrent loans to loans | 0.9645% | 2,113 |
| Net loans and leases to total assets | 43.4152% | 5,072 |
| Net loans and leases to deposits | 49.0283% | 5,177 |
| Net loans and leases to core deposits | 49.5920% | 5,237 |
| Total domestic deposits to total assets | 88.5513% | 1,397 |
| Equity capital to assets | 10.7821% | 2,875 |
| Core capital (leverage) ratio | 10.4200% | 2,992 |
| Tier 1 risk-based capital ratio | 18.4163% | 1,764 |
| Total risk-based capital ratio | 19.4774% | 1,766 |
| Memoranda: | ||
| Average total assets | $160,510,000 | 3,420 |
| Average earning assets | $150,600,500 | 3,392 |
| Average equity | $17,556,500 | 3,477 |
| Average total loans | $69,903,000 | 4,052 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5851% | 4,549 |
| Cost of funding earning assets | 0.1627% | 5,341 |
| Net interest margin | 3.4224% | 3,739 |
| Noninterest income to average assets | 0.5193% | 3,105 |
| Noninterest expense to average assets | 2.1168% | 4,971 |
| Loan and lease loss provision to assets | 0.0601% | 3,178 |
| Net operating income to assets | 1.1130% | 1,847 |
| Return on assets (ROA) | 1.1272% | 1,876 |
| Pretax return on assets | 1.5786% | 1,346 |
| Return on Equity (ROE) | 10.4038% | 1,804 |
| Retained earnings to average equity (ytd only) | 1.8086% | 4,496 |
| Net charge-offs to loans | -0.0029% | 4,746 |
| Credit loss provision to net charge-offs | -4,950.0000% | 5,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6672% | 4,994 |
| Assets per employee ($millions) | 5.8336% | 1,594 |
| Cash dividends to net income (ytd only)* | 82.6157% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 2,568 |
| Loan loss allowance to noncurrent loans | 126.6571% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 3,316 |
| Noncurrent loans to loans | 1.0229% | 2,040 |
| Net loans and leases to total assets | 42.5178% | 5,210 |
| Net loans and leases to deposits | 48.0968% | 5,294 |
| Net loans and leases to core deposits | 48.6707% | 5,347 |
| Total domestic deposits to total assets | 88.4006% | 1,434 |
| Equity capital to assets | 11.0998% | 2,541 |
| Core capital (leverage) ratio | 10.7041% | 2,652 |
| Tier 1 risk-based capital ratio | 19.1608% | 1,554 |
| Total risk-based capital ratio | 20.1547% | 1,590 |
| Memoranda: | ||
| Average total assets | $164,827,400 | 3,351 |
| Average earning assets | $154,890,200 | 3,315 |
| Average equity | $17,858,800 | 3,425 |
| Average total loans | $68,100,600 | 4,090 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5650% | 4,647 |
| Cost of funding earning assets | 0.1693% | 5,353 |
| Net interest margin | 3.3957% | 3,857 |
| Noninterest income to average assets | 0.5392% | 2,982 |
| Noninterest expense to average assets | 2.1337% | 4,926 |
| Loan and lease loss provision to assets | 0.0448% | 3,344 |
| Net operating income to assets | 1.1199% | 1,916 |
| Return on assets (ROA) | 1.1216% | 2,019 |
| Pretax return on assets | 1.5569% | 1,515 |
| Return on Equity (ROE) | 10.4123% | 1,901 |
| Retained earnings to average equity (ytd only) | 3.0970% | 4,055 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1582% | 4,938 |
| Assets per employee ($millions) | 5.7231% | 1,640 |
| Cash dividends to net income (ytd only)* | 70.2566% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,936 |
| Loan loss allowance to noncurrent loans | 115.2144% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 3,456 |
| Noncurrent loans to loans | 1.0879% | 2,081 |
| Net loans and leases to total assets | 40.9528% | 5,336 |
| Net loans and leases to deposits | 46.6833% | 5,428 |
| Net loans and leases to core deposits | 47.2425% | 5,472 |
| Total domestic deposits to total assets | 87.7247% | 1,541 |
| Equity capital to assets | 11.4660% | 2,539 |
| Core capital (leverage) ratio | 10.4177% | 3,087 |
| Tier 1 risk-based capital ratio | 19.2569% | 1,608 |
| Total risk-based capital ratio | 20.1988% | 1,646 |
| Memoranda: | ||
| Average total assets | $166,657,250 | 3,340 |
| Average earning assets | $156,743,750 | 3,299 |
| Average equity | $17,952,750 | 3,442 |
| Average total loans | $68,163,750 | 4,119 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5774% | 4,661 |
| Cost of funding earning assets | 0.1738% | 5,377 |
| Net interest margin | 3.4036% | 3,878 |
| Noninterest income to average assets | 0.5059% | 3,154 |
| Noninterest expense to average assets | 2.0795% | 5,103 |
| Loan and lease loss provision to assets | 0.0427% | 3,295 |
| Net operating income to assets | 1.1042% | 1,942 |
| Return on assets (ROA) | 1.1067% | 2,059 |
| Pretax return on assets | 1.5889% | 1,400 |
| Return on Equity (ROE) | 10.4871% | 1,854 |
| Retained earnings to average equity (ytd only) | -0.5726% | 5,378 |
| Net charge-offs to loans | 0.0029% | 3,603 |
| Credit loss provision to net charge-offs | 3,600.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 1,374.0000% | 31 |
| Efficiency ratio | 56.0882% | 5,140 |
| Assets per employee ($millions) | 5.7390% | 1,591 |
| Cash dividends to net income (ytd only)* | 105.4604% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 3,292 |
| Loan loss allowance to noncurrent loans | 103.5669% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 3,491 |
| Noncurrent loans to loans | 1.1700% | 1,963 |
| Net loans and leases to total assets | 39.8253% | 5,429 |
| Net loans and leases to deposits | 46.5899% | 5,479 |
| Net loans and leases to core deposits | 47.1402% | 5,526 |
| Total domestic deposits to total assets | 85.4806% | 2,656 |
| Equity capital to assets | 10.7930% | 3,295 |
| Core capital (leverage) ratio | 9.8830% | 3,709 |
| Tier 1 risk-based capital ratio | 18.4648% | 1,807 |
| Total risk-based capital ratio | 19.3719% | 1,868 |
| Memoranda: | ||
| Average total assets | $168,793,670 | 3,327 |
| Average earning assets | $158,772,330 | 3,286 |
| Average equity | $17,812,330 | 3,467 |
| Average total loans | $68,732,000 | 4,123 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 4,711 |
| Cost of funding earning assets | 0.1826% | 5,354 |
| Net interest margin | 3.3865% | 3,918 |
| Noninterest income to average assets | 0.4942% | 3,159 |
| Noninterest expense to average assets | 2.0944% | 5,124 |
| Loan and lease loss provision to assets | 0.0424% | 3,077 |
| Net operating income to assets | 1.0731% | 2,000 |
| Return on assets (ROA) | 1.0731% | 2,113 |
| Pretax return on assets | 1.5438% | 1,458 |
| Return on Equity (ROE) | 10.2836% | 1,859 |
| Retained earnings to average equity (ytd only) | -0.0902% | 5,121 |
| Net charge-offs to loans | -0.0058% | 4,335 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9054% | 5,105 |
| Assets per employee ($millions) | 5.8587% | 1,523 |
| Cash dividends to net income (ytd only)* | 100.8772% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 3,476 |
| Loan loss allowance to noncurrent loans | 103.2425% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 3,615 |
| Noncurrent loans to loans | 1.1629% | 2,078 |
| Net loans and leases to total assets | 38.5540% | 5,531 |
| Net loans and leases to deposits | 43.9220% | 5,593 |
| Net loans and leases to core deposits | 44.4155% | 5,647 |
| Total domestic deposits to total assets | 87.7782% | 1,762 |
| Equity capital to assets | 10.5267% | 3,458 |
| Core capital (leverage) ratio | 9.7710% | 3,816 |
| Tier 1 risk-based capital ratio | 18.7450% | 1,794 |
| Total risk-based capital ratio | 19.6445% | 1,838 |
| Memoranda: | ||
| Average total assets | $169,974,500 | 3,327 |
| Average earning assets | $159,930,000 | 3,285 |
| Average equity | $17,737,000 | 3,471 |
| Average total loans | $69,550,500 | 4,123 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4911% | 4,943 |
| Cost of funding earning assets | 0.1973% | 5,308 |
| Net interest margin | 3.2938% | 4,314 |
| Noninterest income to average assets | 0.5379% | 3,087 |
| Noninterest expense to average assets | 2.0737% | 5,302 |
| Loan and lease loss provision to assets | 0.1019% | 2,285 |
| Net operating income to assets | 1.0260% | 2,230 |
| Return on assets (ROA) | 1.0260% | 2,309 |
| Pretax return on assets | 1.4477% | 1,731 |
| Return on Equity (ROE) | 10.2817% | 1,888 |
| Retained earnings to average equity (ytd only) | 2.7926% | 4,083 |
| Net charge-offs to loans | -0.0167% | 5,229 |
| Credit loss provision to net charge-offs | -1,618.1818% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2331% | 5,233 |
| Assets per employee ($millions) | 5.6682% | 1,638 |
| Cash dividends to net income (ytd only)* | 72.8388% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 4,224 |
| Loan loss allowance to noncurrent loans | 107.6177% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.4710% | 3,735 |
| Noncurrent loans to loans | 0.9917% | 2,354 |
| Net loans and leases to total assets | 42.3553% | 5,388 |
| Net loans and leases to deposits | 48.0618% | 5,484 |
| Net loans and leases to core deposits | 48.5982% | 5,539 |
| Total domestic deposits to total assets | 88.1268% | 1,564 |
| Equity capital to assets | 10.3436% | 3,573 |
| Core capital (leverage) ratio | 9.5428% | 4,112 |
| Tier 1 risk-based capital ratio | 18.0814% | 1,939 |
| Total risk-based capital ratio | 18.9230% | 2,017 |
| Memoranda: | ||
| Average total assets | $174,758,400 | 3,234 |
| Average earning assets | $163,700,000 | 3,204 |
| Average equity | $17,438,800 | 3,467 |
| Average total loans | $65,784,000 | 4,206 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4129% | 5,181 |
| Cost of funding earning assets | 0.2016% | 5,359 |
| Net interest margin | 3.2113% | 4,638 |
| Noninterest income to average assets | 0.5388% | 3,114 |
| Noninterest expense to average assets | 2.0378% | 5,405 |
| Loan and lease loss provision to assets | 0.1213% | 1,876 |
| Net operating income to assets | 0.9859% | 2,535 |
| Return on assets (ROA) | 0.9859% | 2,620 |
| Pretax return on assets | 1.3861% | 2,073 |
| Return on Equity (ROE) | 9.9684% | 2,118 |
| Retained earnings to average equity (ytd only) | 4.7505% | 3,088 |
| Net charge-offs to loans | -0.0500% | 5,548 |
| Credit loss provision to net charge-offs | -666.6667% | 5,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4818% | 5,182 |
| Assets per employee ($millions) | 5.4528% | 1,823 |
| Cash dividends to net income (ytd only)* | 52.3446% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 4,128 |
| Loan loss allowance to noncurrent loans | 114.2012% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 3,697 |
| Noncurrent loans to loans | 0.9786% | 2,537 |
| Net loans and leases to total assets | 39.1459% | 5,638 |
| Net loans and leases to deposits | 44.0983% | 5,719 |
| Net loans and leases to core deposits | 44.5806% | 5,773 |
| Total domestic deposits to total assets | 88.7696% | 1,141 |
| Equity capital to assets | 10.3100% | 3,800 |
| Core capital (leverage) ratio | 9.5664% | 4,214 |
| Tier 1 risk-based capital ratio | 17.9602% | 2,035 |
| Total risk-based capital ratio | 18.7861% | 2,135 |
| Memoranda: | ||
| Average total assets | $175,936,250 | 3,250 |
| Average earning assets | $164,704,500 | 3,221 |
| Average equity | $17,401,250 | 3,501 |
| Average total loans | $64,029,750 | 4,302 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3681% | 5,298 |
| Cost of funding earning assets | 0.2053% | 5,392 |
| Net interest margin | 3.1628% | 4,782 |
| Noninterest income to average assets | 0.5238% | 3,205 |
| Noninterest expense to average assets | 2.0508% | 5,441 |
| Loan and lease loss provision to assets | 0.1598% | 1,329 |
| Net operating income to assets | 0.8661% | 3,058 |
| Return on assets (ROA) | 0.8661% | 3,156 |
| Pretax return on assets | 1.2822% | 2,425 |
| Return on Equity (ROE) | 8.8811% | 2,616 |
| Retained earnings to average equity (ytd only) | 0.9648% | 5,182 |
| Net charge-offs to loans | -0.0738% | 5,683 |
| Credit loss provision to net charge-offs | -613.0435% | 5,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7147% | 5,143 |
| Assets per employee ($millions) | 5.5168% | 1,722 |
| Cash dividends to net income (ytd only)* | 89.1361% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 4,248 |
| Loan loss allowance to noncurrent loans | 111.9048% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 3,819 |
| Noncurrent loans to loans | 0.9960% | 2,650 |
| Net loans and leases to total assets | 37.7907% | 5,746 |
| Net loans and leases to deposits | 42.4601% | 5,819 |
| Net loans and leases to core deposits | 42.9168% | 5,868 |
| Total domestic deposits to total assets | 89.0029% | 1,143 |
| Equity capital to assets | 9.7390% | 4,358 |
| Core capital (leverage) ratio | 9.1927% | 4,706 |
| Tier 1 risk-based capital ratio | 17.5580% | 2,196 |
| Total risk-based capital ratio | 18.3709% | 2,307 |
| Memoranda: | ||
| Average total assets | $176,418,000 | 3,262 |
| Average earning assets | $165,614,670 | 3,228 |
| Average equity | $17,205,000 | 3,537 |
| Average total loans | $62,347,000 | 4,393 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3159% | 5,412 |
| Cost of funding earning assets | 0.2098% | 5,422 |
| Net interest margin | 3.1061% | 4,933 |
| Noninterest income to average assets | 0.5081% | 3,231 |
| Noninterest expense to average assets | 2.1320% | 5,315 |
| Loan and lease loss provision to assets | 0.0408% | 3,099 |
| Net operating income to assets | 0.8936% | 2,771 |
| Return on assets (ROA) | 0.8936% | 2,900 |
| Pretax return on assets | 1.2565% | 2,438 |
| Return on Equity (ROE) | 9.1569% | 2,376 |
| Retained earnings to average equity (ytd only) | -2.2544% | 5,714 |
| Net charge-offs to loans | -0.0201% | 5,051 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1693% | 4,771 |
| Assets per employee ($millions) | 5.5627% | 1,744 |
| Cash dividends to net income (ytd only)* | 124.6193% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 4,913 |
| Loan loss allowance to noncurrent loans | 186.2385% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 4,636 |
| Noncurrent loans to loans | 0.5486% | 3,935 |
| Net loans and leases to total assets | 33.1414% | 5,958 |
| Net loans and leases to deposits | 37.0910% | 6,019 |
| Net loans and leases to core deposits | 37.4844% | 6,060 |
| Total domestic deposits to total assets | 89.3515% | 1,068 |
| Equity capital to assets | 9.7316% | 4,458 |
| Core capital (leverage) ratio | 8.9657% | 4,992 |
| Tier 1 risk-based capital ratio | 19.3074% | 1,788 |
| Total risk-based capital ratio | 20.0445% | 1,881 |
| Memoranda: | ||
| Average total assets | $176,358,000 | 3,287 |
| Average earning assets | $165,868,000 | 3,238 |
| Average equity | $17,211,000 | 3,564 |
| Average total loans | $59,787,000 | 4,495 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4282% | 5,469 |
| Cost of funding earning assets | 0.2630% | 5,187 |
| Net interest margin | 3.1652% | 5,035 |
| Noninterest income to average assets | 0.6348% | 2,646 |
| Noninterest expense to average assets | 2.3596% | 4,947 |
| Loan and lease loss provision to assets | 0.0891% | 2,688 |
| Net operating income to assets | 0.8471% | 3,130 |
| Return on assets (ROA) | 0.8471% | 3,230 |
| Pretax return on assets | 1.1235% | 2,993 |
| Return on Equity (ROE) | 8.5358% | 2,820 |
| Retained earnings to average equity (ytd only) | 3.1105% | 4,023 |
| Net charge-offs to loans | -0.0177% | 5,678 |
| Credit loss provision to net charge-offs | -1,490.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0526% | 4,237 |
| Assets per employee ($millions) | 5.1385% | 2,137 |
| Cash dividends to net income (ytd only)* | 63.5593% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 5,154 |
| Loan loss allowance to noncurrent loans | 277.3585% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 4,911 |
| Noncurrent loans to loans | 0.3535% | 4,596 |
| Net loans and leases to total assets | 33.9897% | 6,034 |
| Net loans and leases to deposits | 38.0034% | 6,105 |
| Net loans and leases to core deposits | 38.4127% | 6,139 |
| Total domestic deposits to total assets | 89.4384% | 998 |
| Equity capital to assets | 9.7871% | 4,371 |
| Core capital (leverage) ratio | 9.1844% | 4,701 |
| Tier 1 risk-based capital ratio | 18.3628% | 2,030 |
| Total risk-based capital ratio | 19.0520% | 2,165 |
| Memoranda: | ||
| Average total assets | $167,150,200 | 3,375 |
| Average earning assets | $155,126,800 | 3,360 |
| Average equity | $16,589,000 | 3,591 |
| Average total loans | $56,583,000 | 4,597 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4493% | 5,500 |
| Cost of funding earning assets | 0.2731% | 5,175 |
| Net interest margin | 3.1762% | 5,044 |
| Noninterest income to average assets | 0.6495% | 2,575 |
| Noninterest expense to average assets | 2.4179% | 4,767 |
| Loan and lease loss provision to assets | 0.1000% | 2,370 |
| Net operating income to assets | 0.8213% | 3,332 |
| Return on assets (ROA) | 0.8213% | 3,422 |
| Pretax return on assets | 1.0682% | 3,306 |
| Return on Equity (ROE) | 8.2453% | 3,069 |
| Retained earnings to average equity (ytd only) | 2.5756% | 4,752 |
| Net charge-offs to loans | -0.0120% | 5,468 |
| Credit loss provision to net charge-offs | -2,480.0000% | 5,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4241% | 3,957 |
| Assets per employee ($millions) | 4.9566% | 2,293 |
| Cash dividends to net income (ytd only)* | 68.7622% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 5,114 |
| Loan loss allowance to noncurrent loans | 257.1429% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 5,118 |
| Noncurrent loans to loans | 0.3974% | 4,719 |
| Net loans and leases to total assets | 33.0448% | 6,148 |
| Net loans and leases to deposits | 37.1584% | 6,210 |
| Net loans and leases to core deposits | 37.5944% | 6,249 |
| Total domestic deposits to total assets | 88.9294% | 1,278 |
| Equity capital to assets | 10.2990% | 3,789 |
| Core capital (leverage) ratio | 9.4204% | 4,486 |
| Tier 1 risk-based capital ratio | 20.1285% | 1,642 |
| Total risk-based capital ratio | 20.8554% | 1,729 |
| Memoranda: | ||
| Average total assets | $165,260,500 | 3,433 |
| Average earning assets | $152,798,500 | 3,418 |
| Average equity | $16,461,500 | 3,620 |
| Average total loans | $55,736,000 | 4,665 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4751% | 5,463 |
| Cost of funding earning assets | 0.2800% | 5,184 |
| Net interest margin | 3.1951% | 4,962 |
| Noninterest income to average assets | 0.5741% | 2,965 |
| Noninterest expense to average assets | 2.4206% | 4,820 |
| Loan and lease loss provision to assets | 0.1278% | 1,930 |
| Net operating income to assets | 0.7019% | 3,831 |
| Return on assets (ROA) | 0.7019% | 3,920 |
| Pretax return on assets | 0.9709% | 3,606 |
| Return on Equity (ROE) | 7.1265% | 3,559 |
| Retained earnings to average equity (ytd only) | 2.2408% | 4,767 |
| Net charge-offs to loans | -0.0107% | 5,340 |
| Credit loss provision to net charge-offs | -3,533.3333% | 5,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7800% | 3,866 |
| Assets per employee ($millions) | 4.5903% | 2,781 |
| Cash dividends to net income (ytd only)* | 68.5567% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 5,568 |
| Loan loss allowance to noncurrent loans | 120.3579% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6523% | 4,036 |
| Noncurrent loans to loans | 0.7887% | 3,726 |
| Net loans and leases to total assets | 33.9693% | 6,145 |
| Net loans and leases to deposits | 38.0762% | 6,224 |
| Net loans and leases to core deposits | 38.5159% | 6,261 |
| Total domestic deposits to total assets | 89.2140% | 1,239 |
| Equity capital to assets | 10.0906% | 3,987 |
| Core capital (leverage) ratio | 9.2756% | 4,631 |
| Tier 1 risk-based capital ratio | 19.3408% | 1,844 |
| Total risk-based capital ratio | 20.0210% | 1,945 |
| Memoranda: | ||
| Average total assets | $165,824,330 | 3,443 |
| Average earning assets | $152,859,670 | 3,434 |
| Average equity | $16,333,330 | 3,642 |
| Average total loans | $56,111,670 | 4,685 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4437% | 5,549 |
| Cost of funding earning assets | 0.2896% | 5,175 |
| Net interest margin | 3.1542% | 5,075 |
| Noninterest income to average assets | 0.5803% | 2,856 |
| Noninterest expense to average assets | 2.3310% | 5,122 |
| Loan and lease loss provision to assets | 0.1276% | 1,905 |
| Net operating income to assets | 0.6646% | 3,871 |
| Return on assets (ROA) | 0.6646% | 3,961 |
| Pretax return on assets | 1.0330% | 3,200 |
| Return on Equity (ROE) | 6.8306% | 3,573 |
| Retained earnings to average equity (ytd only) | 1.6582% | 4,952 |
| Net charge-offs to loans | -0.0072% | 4,923 |
| Credit loss provision to net charge-offs | -5,300.0000% | 5,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7586% | 4,406 |
| Assets per employee ($millions) | 4.4260% | 3,093 |
| Cash dividends to net income (ytd only)* | 75.7246% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 5,981 |
| Loan loss allowance to noncurrent loans | 175.6364% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 4,534 |
| Noncurrent loans to loans | 0.4896% | 4,689 |
| Net loans and leases to total assets | 33.1058% | 6,220 |
| Net loans and leases to deposits | 36.9498% | 6,286 |
| Net loans and leases to core deposits | 37.3661% | 6,329 |
| Total domestic deposits to total assets | 89.5968% | 1,310 |
| Equity capital to assets | 9.7112% | 4,211 |
| Core capital (leverage) ratio | 9.0949% | 4,878 |
| Tier 1 risk-based capital ratio | 19.2542% | 1,892 |
| Total risk-based capital ratio | 19.8674% | 2,050 |
| Memoranda: | ||
| Average total assets | $166,110,500 | 3,462 |
| Average earning assets | $153,321,500 | 3,454 |
| Average equity | $16,162,500 | 3,672 |
| Average total loans | $55,831,000 | 4,731 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4579% | 5,717 |
| Cost of funding earning assets | 0.2538% | 5,940 |
| Net interest margin | 3.2042% | 4,984 |
| Noninterest income to average assets | 1.0284% | 1,326 |
| Noninterest expense to average assets | 2.6081% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0763% | 2,012 |
| Return on assets (ROA) | 1.0884% | 2,043 |
| Pretax return on assets | 1.3740% | 1,885 |
| Return on Equity (ROE) | 10.4484% | 1,938 |
| Retained earnings to average equity (ytd only) | 7.4132% | 1,270 |
| Net charge-offs to loans | 0.3246% | 2,058 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 9.5537% | 2,488 |
| Efficiency ratio | 65.5704% | 4,639 |
| Assets per employee ($millions) | 4.3167% | 3,238 |
| Cash dividends to net income (ytd only)* | 29.0497% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 6,225 |
| Loan loss allowance to noncurrent loans | 92.6566% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.6669% | 4,240 |
| Noncurrent loans to loans | 0.8342% | 3,895 |
| Net loans and leases to total assets | 33.5725% | 6,314 |
| Net loans and leases to deposits | 37.4333% | 6,388 |
| Net loans and leases to core deposits | 38.2059% | 6,410 |
| Total domestic deposits to total assets | 89.6862% | 1,228 |
| Equity capital to assets | 9.7493% | 4,105 |
| Core capital (leverage) ratio | 9.0796% | 4,888 |
| Tier 1 risk-based capital ratio | 19.7194% | 1,728 |
| Total risk-based capital ratio | 20.2804% | 1,870 |
| Memoranda: | ||
| Average total assets | $85,081,600 | 5,111 |
| Average earning assets | $78,023,200 | 5,089 |
| Average equity | $8,862,600 | 5,121 |
| Average total loans | $37,278,600 | 5,452 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 4,377 |
| Cost of funding earning assets | 0.2665% | 5,983 |
| Net interest margin | 3.6663% | 3,168 |
| Noninterest income to average assets | 0.9978% | 1,462 |
| Noninterest expense to average assets | 2.8872% | 3,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0507% | 2,178 |
| Return on assets (ROA) | 1.0712% | 2,195 |
| Pretax return on assets | 1.4793% | 1,667 |
| Return on Equity (ROE) | 9.8864% | 2,231 |
| Retained earnings to average equity (ytd only) | 4.8207% | 3,214 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5569% | 4,385 |
| Assets per employee ($millions) | 4.2627% | 3,304 |
| Cash dividends to net income (ytd only)* | 51.2386% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7149% | 2,579 |
| Loan loss allowance to noncurrent loans | 107.8431% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.2243% | 3,190 |
| Noncurrent loans to loans | 1.5902% | 2,786 |
| Net loans and leases to total assets | 46.2179% | 5,531 |
| Net loans and leases to deposits | 51.7212% | 5,726 |
| Net loans and leases to core deposits | 52.3908% | 5,868 |
| Total domestic deposits to total assets | 89.3597% | 1,380 |
| Equity capital to assets | 10.1814% | 3,666 |
| Core capital (leverage) ratio | 10.3848% | 3,126 |
| Tier 1 risk-based capital ratio | 17.4077% | 2,540 |
| Total risk-based capital ratio | 18.6591% | 2,512 |
| Memoranda: | ||
| Average total assets | $65,343,750 | 5,674 |
| Average earning assets | $59,531,750 | 5,663 |
| Average equity | $7,080,250 | 5,612 |
| Average total loans | $32,723,500 | 5,697 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 3,972 |
| Cost of funding earning assets | 0.2785% | 5,994 |
| Net interest margin | 3.7594% | 2,722 |
| Noninterest income to average assets | 1.0157% | 1,488 |
| Noninterest expense to average assets | 2.9694% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0110% | 2,285 |
| Return on assets (ROA) | 1.0405% | 2,271 |
| Pretax return on assets | 1.5282% | 1,540 |
| Return on Equity (ROE) | 9.4026% | 2,456 |
| Retained earnings to average equity (ytd only) | 7.1011% | 1,847 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,415 |
| Assets per employee ($millions) | 4.0748% | 3,637 |
| Cash dividends to net income (ytd only)* | 24.4776% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6884% | 2,819 |
| Loan loss allowance to noncurrent loans | 70.1531% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.2378% | 3,276 |
| Noncurrent loans to loans | 2.4068% | 1,957 |
| Net loans and leases to total assets | 49.1211% | 5,211 |
| Net loans and leases to deposits | 55.4555% | 5,393 |
| Net loans and leases to core deposits | 56.5104% | 5,562 |
| Total domestic deposits to total assets | 88.5775% | 1,870 |
| Equity capital to assets | 10.8504% | 2,894 |
| Core capital (leverage) ratio | 10.8914% | 2,462 |
| Tier 1 risk-based capital ratio | 17.6848% | 2,441 |
| Total risk-based capital ratio | 18.9364% | 2,408 |
| Memoranda: | ||
| Average total assets | $64,390,670 | 5,739 |
| Average earning assets | $58,892,000 | 5,728 |
| Average equity | $7,125,670 | 5,653 |
| Average total loans | $32,940,670 | 5,717 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 2,863 |
| Cost of funding earning assets | 0.2945% | 6,013 |
| Net interest margin | 4.0136% | 1,734 |
| Noninterest income to average assets | 1.0752% | 1,283 |
| Noninterest expense to average assets | 3.1131% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0853% | 1,917 |
| Return on assets (ROA) | 1.1440% | 1,816 |
| Pretax return on assets | 1.7128% | 1,045 |
| Return on Equity (ROE) | 10.2356% | 1,980 |
| Retained earnings to average equity (ytd only) | 5.6492% | 2,866 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6992% | 4,711 |
| Assets per employee ($millions) | 3.8097% | 4,335 |
| Cash dividends to net income (ytd only)* | 44.8087% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 3,111 |
| Loan loss allowance to noncurrent loans | 67.7340% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.3572% | 3,239 |
| Noncurrent loans to loans | 2.4743% | 2,085 |
| Net loans and leases to total assets | 49.8217% | 5,016 |
| Net loans and leases to deposits | 56.5998% | 5,185 |
| Net loans and leases to core deposits | 57.6897% | 5,368 |
| Total domestic deposits to total assets | 88.0244% | 2,292 |
| Equity capital to assets | 11.1140% | 2,833 |
| Core capital (leverage) ratio | 10.5930% | 2,661 |
| Tier 1 risk-based capital ratio | 17.1544% | 2,689 |
| Total risk-based capital ratio | 18.4054% | 2,662 |
| Memoranda: | ||
| Average total assets | $63,988,000 | 5,806 |
| Average earning assets | $58,401,500 | 5,790 |
| Average equity | $7,151,500 | 5,703 |
| Average total loans | $33,123,500 | 5,744 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 4,158 |
| Cost of funding earning assets | 0.3877% | 5,996 |
| Net interest margin | 3.9215% | 2,737 |
| Noninterest income to average assets | 0.9978% | 1,540 |
| Noninterest expense to average assets | 3.0137% | 3,222 |
| Loan and lease loss provision to assets | 0.0392% | 5,380 |
| Net operating income to assets | 1.0782% | 2,014 |
| Return on assets (ROA) | 1.0870% | 2,170 |
| Pretax return on assets | 1.5225% | 1,614 |
| Return on Equity (ROE) | 9.8482% | 2,234 |
| Retained earnings to average equity (ytd only) | 4.9525% | 2,734 |
| Net charge-offs to loans | 0.0502% | 5,210 |
| Credit loss provision to net charge-offs | 156.2500% | 1,731 |
| Earnings coverage of net charge-offs (x) | 61.8125% | 583 |
| Efficiency ratio | 66.0487% | 4,496 |
| Assets per employee ($millions) | 3.5117% | 4,984 |
| Cash dividends to net income (ytd only)* | 49.7118% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 3,133 |
| Loan loss allowance to noncurrent loans | 71.8016% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.3083% | 3,467 |
| Noncurrent loans to loans | 2.2914% | 2,360 |
| Net loans and leases to total assets | 52.0163% | 4,924 |
| Net loans and leases to deposits | 59.0475% | 5,122 |
| Net loans and leases to core deposits | 60.2110% | 5,343 |
| Total domestic deposits to total assets | 88.0923% | 2,176 |
| Equity capital to assets | 11.2401% | 2,695 |
| Core capital (leverage) ratio | 10.7543% | 2,486 |
| Tier 1 risk-based capital ratio | 16.9454% | 2,681 |
| Total risk-based capital ratio | 18.1974% | 2,644 |
| Memoranda: | ||
| Average total assets | $63,842,600 | 5,824 |
| Average earning assets | $58,039,400 | 5,813 |
| Average equity | $7,047,000 | 5,751 |
| Average total loans | $31,871,600 | 5,862 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 4,143 |
| Cost of funding earning assets | 0.4077% | 6,076 |
| Net interest margin | 3.9695% | 2,630 |
| Noninterest income to average assets | 0.9854% | 1,543 |
| Noninterest expense to average assets | 2.9874% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1876% | 1,784 |
| Return on assets (ROA) | 1.2000% | 1,913 |
| Pretax return on assets | 1.6249% | 1,492 |
| Return on Equity (ROE) | 10.9204% | 1,989 |
| Retained earnings to average equity (ytd only) | 8.1713% | 1,545 |
| Net charge-offs to loans | -0.0042% | 6,258 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0045% | 4,627 |
| Assets per employee ($millions) | 3.4966% | 4,990 |
| Cash dividends to net income (ytd only)* | 25.1738% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 3,301 |
| Loan loss allowance to noncurrent loans | 160.3550% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 5,078 |
| Noncurrent loans to loans | 1.0337% | 4,378 |
| Net loans and leases to total assets | 51.0900% | 5,176 |
| Net loans and leases to deposits | 60.0411% | 5,204 |
| Net loans and leases to core deposits | 61.2698% | 5,429 |
| Total domestic deposits to total assets | 85.0917% | 3,707 |
| Equity capital to assets | 11.5733% | 2,678 |
| Core capital (leverage) ratio | 10.4443% | 2,984 |
| Tier 1 risk-based capital ratio | 17.2580% | 2,622 |
| Total risk-based capital ratio | 18.5099% | 2,578 |
| Memoranda: | ||
| Average total assets | $64,000,500 | 5,881 |
| Average earning assets | $58,209,250 | 5,874 |
| Average equity | $7,032,500 | 5,817 |
| Average total loans | $31,482,000 | 5,950 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3920% | 4,214 |
| Cost of funding earning assets | 0.4201% | 6,166 |
| Net interest margin | 3.9719% | 2,625 |
| Noninterest income to average assets | 0.9665% | 1,555 |
| Noninterest expense to average assets | 2.9431% | 3,462 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1633% | 1,839 |
| Return on assets (ROA) | 1.1810% | 1,984 |
| Pretax return on assets | 1.6627% | 1,360 |
| Return on Equity (ROE) | 10.9373% | 2,010 |
| Retained earnings to average equity (ytd only) | 9.4982% | 1,115 |
| Net charge-offs to loans | -0.0064% | 6,210 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2469% | 4,856 |
| Assets per employee ($millions) | 3.5353% | 4,901 |
| Cash dividends to net income (ytd only)* | 13.1579% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 3,458 |
| Loan loss allowance to noncurrent loans | 159.4118% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 5,251 |
| Noncurrent loans to loans | 1.0291% | 4,453 |
| Net loans and leases to total assets | 48.3787% | 5,577 |
| Net loans and leases to deposits | 59.2809% | 5,306 |
| Net loans and leases to core deposits | 60.1277% | 5,573 |
| Total domestic deposits to total assets | 81.6093% | 5,261 |
| Equity capital to assets | 10.6372% | 3,531 |
| Core capital (leverage) ratio | 10.0992% | 3,278 |
| Tier 1 risk-based capital ratio | 16.3734% | 2,970 |
| Total risk-based capital ratio | 17.6231% | 2,942 |
| Memoranda: | ||
| Average total assets | $64,354,670 | 5,904 |
| Average earning assets | $58,561,330 | 5,889 |
| Average equity | $6,948,670 | 5,861 |
| Average total loans | $31,077,000 | 6,011 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 4,163 |
| Cost of funding earning assets | 0.4559% | 6,114 |
| Net interest margin | 3.9835% | 2,578 |
| Noninterest income to average assets | 0.9913% | 1,449 |
| Noninterest expense to average assets | 2.9485% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1898% | 1,767 |
| Return on assets (ROA) | 1.2264% | 1,843 |
| Pretax return on assets | 1.7030% | 1,291 |
| Return on Equity (ROE) | 11.2693% | 1,918 |
| Retained earnings to average equity (ytd only) | 8.3498% | 1,839 |
| Net charge-offs to loans | -0.0133% | 6,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0884% | 4,907 |
| Assets per employee ($millions) | 3.4329% | 5,269 |
| Cash dividends to net income (ytd only)* | 25.9067% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 3,145 |
| Loan loss allowance to noncurrent loans | 155.7471% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 5,278 |
| Noncurrent loans to loans | 1.1268% | 4,451 |
| Net loans and leases to total assets | 46.5190% | 5,730 |
| Net loans and leases to deposits | 53.6618% | 5,845 |
| Net loans and leases to core deposits | 54.4036% | 6,029 |
| Total domestic deposits to total assets | 86.6892% | 3,123 |
| Equity capital to assets | 10.5742% | 3,408 |
| Core capital (leverage) ratio | 10.1485% | 3,179 |
| Tier 1 risk-based capital ratio | 16.9069% | 2,712 |
| Total risk-based capital ratio | 18.1592% | 2,671 |
| Memoranda: | ||
| Average total assets | $62,947,000 | 5,984 |
| Average earning assets | $57,035,000 | 5,972 |
| Average equity | $6,850,500 | 5,916 |
| Average total loans | $30,096,500 | 6,105 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 4,491 |
| Cost of funding earning assets | 0.5475% | 6,352 |
| Net interest margin | 4.0940% | 2,450 |
| Noninterest income to average assets | 1.0570% | 1,200 |
| Noninterest expense to average assets | 3.1725% | 2,958 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1716% | 1,597 |
| Return on assets (ROA) | 1.1716% | 1,706 |
| Pretax return on assets | 1.6221% | 1,158 |
| Return on Equity (ROE) | 11.5151% | 1,551 |
| Retained earnings to average equity (ytd only) | 11.5151% | 342 |
| Net charge-offs to loans | 0.0160% | 6,212 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 203.8000% | 171 |
| Efficiency ratio | 66.1687% | 4,740 |
| Assets per employee ($millions) | 3.1931% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8458% | 2,723 |
| Loan loss allowance to noncurrent loans | 137.3096% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.9263% | 4,756 |
| Noncurrent loans to loans | 1.3443% | 4,129 |
| Net loans and leases to total assets | 47.4180% | 5,885 |
| Net loans and leases to deposits | 53.7649% | 6,092 |
| Net loans and leases to core deposits | 54.5489% | 6,259 |
| Total domestic deposits to total assets | 88.1950% | 2,030 |
| Equity capital to assets | 11.2150% | 2,776 |
| Core capital (leverage) ratio | 10.2999% | 2,974 |
| Tier 1 risk-based capital ratio | 17.3400% | 2,448 |
| Total risk-based capital ratio | 18.5933% | 2,418 |
| Memoranda: | ||
| Average total assets | $62,820,800 | 5,964 |
| Average earning assets | $57,352,200 | 5,947 |
| Average equity | $6,391,600 | 6,042 |
| Average total loans | $31,204,200 | 6,111 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6589% | 4,641 |
| Cost of funding earning assets | 0.5589% | 6,482 |
| Net interest margin | 4.1000% | 2,476 |
| Noninterest income to average assets | 1.0353% | 1,260 |
| Noninterest expense to average assets | 3.1586% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2205% | 1,597 |
| Return on assets (ROA) | 1.2205% | 1,705 |
| Pretax return on assets | 1.6435% | 1,272 |
| Return on Equity (ROE) | 12.2972% | 1,468 |
| Retained earnings to average equity (ytd only) | 12.2972% | 466 |
| Net charge-offs to loans | 0.0211% | 5,860 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 156.1184% | 249 |
| Efficiency ratio | 65.7756% | 4,755 |
| Assets per employee ($millions) | 3.2637% | 5,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7287% | 3,175 |
| Loan loss allowance to noncurrent loans | 164.9390% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 5,095 |
| Noncurrent loans to loans | 1.0481% | 4,807 |
| Net loans and leases to total assets | 49.5952% | 5,758 |
| Net loans and leases to deposits | 56.0979% | 6,027 |
| Net loans and leases to core deposits | 56.8939% | 6,232 |
| Total domestic deposits to total assets | 88.4083% | 1,808 |
| Equity capital to assets | 10.8305% | 3,320 |
| Core capital (leverage) ratio | 9.7093% | 3,833 |
| Tier 1 risk-based capital ratio | 16.2863% | 2,975 |
| Total risk-based capital ratio | 17.5374% | 2,938 |
| Memoranda: | ||
| Average total assets | $63,358,750 | 5,988 |
| Average earning assets | $58,209,750 | 5,971 |
| Average equity | $6,288,500 | 6,117 |
| Average total loans | $31,678,000 | 6,155 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 4,925 |
| Cost of funding earning assets | 0.5657% | 6,603 |
| Net interest margin | 4.0448% | 2,633 |
| Noninterest income to average assets | 0.9967% | 1,328 |
| Noninterest expense to average assets | 3.0811% | 3,326 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1284% | 1,794 |
| Return on assets (ROA) | 1.1284% | 1,871 |
| Pretax return on assets | 1.6362% | 1,190 |
| Return on Equity (ROE) | 11.7149% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.7149% | 561 |
| Net charge-offs to loans | 0.0314% | 5,408 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 104.4000% | 350 |
| Efficiency ratio | 65.3156% | 5,000 |
| Assets per employee ($millions) | 3.3727% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7543% | 3,137 |
| Loan loss allowance to noncurrent loans | 128.1991% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.8614% | 5,151 |
| Noncurrent loans to loans | 1.3684% | 4,364 |
| Net loans and leases to total assets | 47.2792% | 6,124 |
| Net loans and leases to deposits | 52.9483% | 6,400 |
| Net loans and leases to core deposits | 53.6658% | 6,580 |
| Total domestic deposits to total assets | 89.2932% | 1,362 |
| Equity capital to assets | 9.9686% | 4,195 |
| Core capital (leverage) ratio | 8.8588% | 4,944 |
| Tier 1 risk-based capital ratio | 15.9383% | 3,007 |
| Total risk-based capital ratio | 17.1915% | 2,976 |
| Memoranda: | ||
| Average total assets | $63,808,330 | 6,018 |
| Average earning assets | $58,693,000 | 6,001 |
| Average equity | $6,146,000 | 6,188 |
| Average total loans | $31,805,670 | 6,210 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 4,908 |
| Cost of funding earning assets | 0.5795% | 6,692 |
| Net interest margin | 4.0291% | 2,568 |
| Noninterest income to average assets | 0.9926% | 1,350 |
| Noninterest expense to average assets | 3.0217% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1748% | 1,585 |
| Return on assets (ROA) | 1.1748% | 1,638 |
| Pretax return on assets | 1.6836% | 1,010 |
| Return on Equity (ROE) | 12.4149% | 1,350 |
| Retained earnings to average equity (ytd only) | 12.4149% | 676 |
| Net charge-offs to loans | -0.0124% | 6,428 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2190% | 5,327 |
| Assets per employee ($millions) | 3.5947% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6917% | 3,365 |
| Loan loss allowance to noncurrent loans | 121.2860% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 5,490 |
| Noncurrent loans to loans | 1.3948% | 4,378 |
| Net loans and leases to total assets | 46.5424% | 6,233 |
| Net loans and leases to deposits | 51.5294% | 6,510 |
| Net loans and leases to core deposits | 52.1748% | 6,670 |
| Total domestic deposits to total assets | 90.3220% | 953 |
| Equity capital to assets | 8.9752% | 5,238 |
| Core capital (leverage) ratio | 8.5128% | 5,430 |
| Tier 1 risk-based capital ratio | 14.9328% | 3,460 |
| Total risk-based capital ratio | 16.1855% | 3,423 |
| Memoranda: | ||
| Average total assets | $63,672,000 | 6,071 |
| Average earning assets | $58,673,500 | 6,043 |
| Average equity | $6,025,000 | 6,239 |
| Average total loans | $32,289,500 | 6,222 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 2,964 |
| Cost of funding earning assets | 0.7132% | 6,845 |
| Net interest margin | 4.6204% | 969 |
| Noninterest income to average assets | 1.1077% | 1,211 |
| Noninterest expense to average assets | 3.2964% | 2,749 |
| Loan and lease loss provision to assets | 0.2165% | 5,092 |
| Net operating income to assets | 1.2642% | 1,259 |
| Return on assets (ROA) | 1.2642% | 1,325 |
| Pretax return on assets | 1.8356% | 708 |
| Return on Equity (ROE) | 13.1319% | 1,057 |
| Retained earnings to average equity (ytd only) | 9.7581% | 560 |
| Net charge-offs to loans | 0.0088% | 6,748 |
| Credit loss provision to net charge-offs | 4,333.3333% | 48 |
| Earnings coverage of net charge-offs (x) | 410.6667% | 58 |
| Efficiency ratio | 61.6319% | 5,787 |
| Assets per employee ($millions) | 3.1076% | 5,865 |
| Cash dividends to net income (ytd only)* | 25.6917% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6933% | 3,237 |
| Loan loss allowance to noncurrent loans | 108.1188% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.9400% | 5,127 |
| Noncurrent loans to loans | 1.5662% | 4,153 |
| Net loans and leases to total assets | 53.6845% | 5,677 |
| Net loans and leases to deposits | 60.0853% | 6,048 |
| Net loans and leases to core deposits | 60.9624% | 6,319 |
| Total domestic deposits to total assets | 89.3471% | 1,469 |
| Equity capital to assets | 10.0263% | 3,716 |
| Core capital (leverage) ratio | 9.2689% | 4,073 |
| Tier 1 risk-based capital ratio | 14.7422% | 3,399 |
| Total risk-based capital ratio | 15.9938% | 3,358 |
| Memoranda: | ||
| Average total assets | $60,035,600 | 6,201 |
| Average earning assets | $55,103,400 | 6,169 |
| Average equity | $5,779,800 | 6,438 |
| Average total loans | $34,212,600 | 6,199 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3918% | 2,923 |
| Cost of funding earning assets | 0.7237% | 6,999 |
| Net interest margin | 4.6681% | 912 |
| Noninterest income to average assets | 1.0926% | 1,192 |
| Noninterest expense to average assets | 3.1893% | 2,961 |
| Loan and lease loss provision to assets | 0.2875% | 4,275 |
| Net operating income to assets | 1.3425% | 1,249 |
| Return on assets (ROA) | 1.3425% | 1,323 |
| Pretax return on assets | 1.8955% | 780 |
| Return on Equity (ROE) | 14.0878% | 1,015 |
| Retained earnings to average equity (ytd only) | 9.5621% | 897 |
| Net charge-offs to loans | -0.0692% | 7,506 |
| Credit loss provision to net charge-offs | -722.2222% | 7,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3660% | 6,051 |
| Assets per employee ($millions) | 3.1191% | 5,878 |
| Cash dividends to net income (ytd only)* | 32.1249% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 3,339 |
| Loan loss allowance to noncurrent loans | 134.3602% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 5,480 |
| Noncurrent loans to loans | 1.2273% | 4,796 |
| Net loans and leases to total assets | 57.0652% | 5,406 |
| Net loans and leases to deposits | 64.1732% | 5,895 |
| Net loans and leases to core deposits | 65.1072% | 6,199 |
| Total domestic deposits to total assets | 88.9238% | 1,433 |
| Equity capital to assets | 10.0267% | 4,131 |
| Core capital (leverage) ratio | 8.6702% | 5,245 |
| Tier 1 risk-based capital ratio | 13.7704% | 4,004 |
| Total risk-based capital ratio | 15.0221% | 3,958 |
| Memoranda: | ||
| Average total assets | $60,283,250 | 6,259 |
| Average earning assets | $55,267,750 | 6,227 |
| Average equity | $5,744,750 | 6,529 |
| Average total loans | $34,704,750 | 6,254 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3671% | 3,122 |
| Cost of funding earning assets | 0.7333% | 7,114 |
| Net interest margin | 4.6337% | 925 |
| Noninterest income to average assets | 1.0161% | 1,334 |
| Noninterest expense to average assets | 3.1176% | 3,228 |
| Loan and lease loss provision to assets | 0.3464% | 3,649 |
| Net operating income to assets | 1.2338% | 1,467 |
| Return on assets (ROA) | 1.2338% | 1,532 |
| Pretax return on assets | 1.8046% | 881 |
| Return on Equity (ROE) | 13.1713% | 1,198 |
| Retained earnings to average equity (ytd only) | 11.4105% | 580 |
| Net charge-offs to loans | 0.0115% | 6,184 |
| Credit loss provision to net charge-offs | 5,250.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 101 |
| Efficiency ratio | 59.1735% | 6,186 |
| Assets per employee ($millions) | 3.0012% | 6,137 |
| Cash dividends to net income (ytd only)* | 13.3690% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 3,882 |
| Loan loss allowance to noncurrent loans | 105.8824% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9821% | 5,171 |
| Noncurrent loans to loans | 1.4237% | 4,577 |
| Net loans and leases to total assets | 54.1150% | 5,977 |
| Net loans and leases to deposits | 60.1368% | 6,398 |
| Net loans and leases to core deposits | 60.6739% | 6,660 |
| Total domestic deposits to total assets | 89.9865% | 923 |
| Equity capital to assets | 9.2757% | 5,037 |
| Core capital (leverage) ratio | 8.7130% | 5,053 |
| Tier 1 risk-based capital ratio | 13.3870% | 4,144 |
| Total risk-based capital ratio | 14.6288% | 4,116 |
| Memoranda: | ||
| Average total assets | $60,623,670 | 6,280 |
| Average earning assets | $55,635,670 | 6,257 |
| Average equity | $5,679,000 | 6,566 |
| Average total loans | $34,811,330 | 6,296 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4872% | 2,645 |
| Cost of funding earning assets | 0.7619% | 7,198 |
| Net interest margin | 4.7253% | 741 |
| Noninterest income to average assets | 0.9761% | 1,374 |
| Noninterest expense to average assets | 3.2647% | 2,658 |
| Loan and lease loss provision to assets | 0.1683% | 4,847 |
| Net operating income to assets | 1.3126% | 1,269 |
| Return on assets (ROA) | 1.3126% | 1,342 |
| Pretax return on assets | 1.8848% | 756 |
| Return on Equity (ROE) | 13.9398% | 1,062 |
| Retained earnings to average equity (ytd only) | 10.3655% | 1,074 |
| Net charge-offs to loans | 0.0115% | 5,426 |
| Credit loss provision to net charge-offs | 2,500.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 305.0000% | 102 |
| Efficiency ratio | 61.3924% | 5,929 |
| Assets per employee ($millions) | 2.9440% | 6,348 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 5,148 |
| Loan loss allowance to noncurrent loans | 247.4860% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 6,245 |
| Noncurrent loans to loans | 0.5094% | 6,273 |
| Net loans and leases to total assets | 56.1215% | 5,724 |
| Net loans and leases to deposits | 62.8050% | 6,194 |
| Net loans and leases to core deposits | 63.7595% | 6,466 |
| Total domestic deposits to total assets | 89.3583% | 1,328 |
| Equity capital to assets | 9.1810% | 5,015 |
| Core capital (leverage) ratio | 8.3944% | 5,574 |
| Tier 1 risk-based capital ratio | 12.6609% | 4,592 |
| Total risk-based capital ratio | 13.7348% | 4,716 |
| Memoranda: | ||
| Average total assets | $59,423,000 | 6,409 |
| Average earning assets | $54,600,000 | 6,375 |
| Average equity | $5,595,500 | 6,645 |
| Average total loans | $34,903,000 | 6,375 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8489% | 2,444 |
| Cost of funding earning assets | 0.8898% | 7,423 |
| Net interest margin | 4.9590% | 489 |
| Noninterest income to average assets | 0.9949% | 1,593 |
| Noninterest expense to average assets | 3.5053% | 2,361 |
| Loan and lease loss provision to assets | 0.1712% | 5,979 |
| Net operating income to assets | 1.3083% | 1,015 |
| Return on assets (ROA) | 1.3083% | 1,060 |
| Pretax return on assets | 1.8991% | 513 |
| Return on Equity (ROE) | 13.9707% | 789 |
| Retained earnings to average equity (ytd only) | 4.6447% | 2,008 |
| Net charge-offs to loans | 0.3576% | 4,439 |
| Credit loss provision to net charge-offs | 84.0336% | 6,188 |
| Earnings coverage of net charge-offs (x) | 10.1597% | 1,715 |
| Efficiency ratio | 62.8686% | 5,989 |
| Assets per employee ($millions) | 2.7154% | 6,826 |
| Cash dividends to net income (ytd only)* | 66.7539% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,306 |
| Loan loss allowance to noncurrent loans | 207.4257% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 6,000 |
| Noncurrent loans to loans | 0.5827% | 6,079 |
| Net loans and leases to total assets | 60.0600% | 5,326 |
| Net loans and leases to deposits | 68.4371% | 5,776 |
| Net loans and leases to core deposits | 76.8013% | 6,351 |
| Total domestic deposits to total assets | 87.7593% | 2,088 |
| Equity capital to assets | 9.6715% | 4,185 |
| Core capital (leverage) ratio | 8.6852% | 4,945 |
| Tier 1 risk-based capital ratio | 12.6804% | 4,381 |
| Total risk-based capital ratio | 13.7267% | 4,488 |
| Memoranda: | ||
| Average total assets | $58,397,000 | 6,416 |
| Average earning assets | $53,941,800 | 6,377 |
| Average equity | $5,468,600 | 6,782 |
| Average total loans | $33,275,400 | 6,447 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8376% | 2,713 |
| Cost of funding earning assets | 0.9181% | 7,528 |
| Net interest margin | 4.9195% | 524 |
| Noninterest income to average assets | 0.9806% | 1,670 |
| Noninterest expense to average assets | 3.3253% | 2,823 |
| Loan and lease loss provision to assets | 0.2043% | 5,355 |
| Net operating income to assets | 1.4391% | 948 |
| Return on assets (ROA) | 1.4391% | 1,007 |
| Pretax return on assets | 1.9997% | 542 |
| Return on Equity (ROE) | 15.4904% | 713 |
| Retained earnings to average equity (ytd only) | 10.6038% | 533 |
| Net charge-offs to loans | 0.3685% | 3,810 |
| Credit loss provision to net charge-offs | 98.9011% | 5,172 |
| Earnings coverage of net charge-offs (x) | 10.6703% | 1,936 |
| Efficiency ratio | 60.1396% | 6,394 |
| Assets per employee ($millions) | 2.8079% | 6,636 |
| Cash dividends to net income (ytd only)* | 31.5458% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 4,745 |
| Loan loss allowance to noncurrent loans | 128.5294% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6987% | 5,734 |
| Noncurrent loans to loans | 0.9816% | 5,343 |
| Net loans and leases to total assets | 58.0005% | 5,894 |
| Net loans and leases to deposits | 65.3757% | 6,366 |
| Net loans and leases to core deposits | 72.6716% | 6,801 |
| Total domestic deposits to total assets | 88.7187% | 1,331 |
| Equity capital to assets | 9.7532% | 4,417 |
| Core capital (leverage) ratio | 8.7056% | 5,113 |
| Tier 1 risk-based capital ratio | 13.2290% | 4,030 |
| Total risk-based capital ratio | 14.3285% | 4,072 |
| Memoranda: | ||
| Average total assets | $58,740,500 | 6,438 |
| Average earning assets | $54,313,000 | 6,409 |
| Average equity | $5,457,000 | 6,859 |
| Average total loans | $32,927,500 | 6,517 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8530% | 2,790 |
| Cost of funding earning assets | 0.9539% | 7,617 |
| Net interest margin | 4.8990% | 541 |
| Noninterest income to average assets | 0.9409% | 1,794 |
| Noninterest expense to average assets | 3.2660% | 3,098 |
| Loan and lease loss provision to assets | 0.2045% | 5,006 |
| Net operating income to assets | 1.4387% | 946 |
| Return on assets (ROA) | 1.4387% | 1,012 |
| Pretax return on assets | 1.9875% | 586 |
| Return on Equity (ROE) | 15.7492% | 726 |
| Retained earnings to average equity (ytd only) | 15.7492% | 169 |
| Net charge-offs to loans | 0.5625% | 2,639 |
| Credit loss provision to net charge-offs | 65.9341% | 5,490 |
| Earnings coverage of net charge-offs (x) | 7.0659% | 2,501 |
| Efficiency ratio | 59.8376% | 6,576 |
| Assets per employee ($millions) | 2.6819% | 6,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 4,765 |
| Loan loss allowance to noncurrent loans | 228.0899% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 6,293 |
| Noncurrent loans to loans | 0.5381% | 6,192 |
| Net loans and leases to total assets | 55.3753% | 6,286 |
| Net loans and leases to deposits | 62.0162% | 6,729 |
| Net loans and leases to core deposits | 69.1852% | 7,065 |
| Total domestic deposits to total assets | 89.2917% | 1,125 |
| Equity capital to assets | 9.4015% | 4,747 |
| Core capital (leverage) ratio | 8.7480% | 5,008 |
| Tier 1 risk-based capital ratio | 13.6647% | 3,714 |
| Total risk-based capital ratio | 14.7222% | 3,768 |
| Memoranda: | ||
| Average total assets | $58,665,670 | 6,491 |
| Average earning assets | $54,092,330 | 6,464 |
| Average equity | $5,359,000 | 6,942 |
| Average total loans | $32,357,670 | 6,596 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8668% | 2,952 |
| Cost of funding earning assets | 1.0138% | 7,651 |
| Net interest margin | 4.8530% | 548 |
| Noninterest income to average assets | 0.8958% | 1,870 |
| Noninterest expense to average assets | 3.1112% | 3,337 |
| Loan and lease loss provision to assets | 0.2051% | 4,394 |
| Net operating income to assets | 1.4838% | 968 |
| Return on assets (ROA) | 1.4838% | 1,039 |
| Pretax return on assets | 2.0308% | 633 |
| Return on Equity (ROE) | 16.4862% | 754 |
| Retained earnings to average equity (ytd only) | 16.4862% | 304 |
| Net charge-offs to loans | 1.1501% | 1,196 |
| Credit loss provision to net charge-offs | 32.6087% | 4,917 |
| Earnings coverage of net charge-offs (x) | 3.5543% | 3,142 |
| Efficiency ratio | 58.1841% | 6,675 |
| Assets per employee ($millions) | 2.8177% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 5,033 |
| Loan loss allowance to noncurrent loans | 208.8889% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 6,611 |
| Noncurrent loans to loans | 0.5566% | 6,024 |
| Net loans and leases to total assets | 54.0214% | 6,462 |
| Net loans and leases to deposits | 60.5146% | 6,853 |
| Net loans and leases to core deposits | 67.1393% | 7,188 |
| Total domestic deposits to total assets | 89.2701% | 1,111 |
| Equity capital to assets | 9.1548% | 5,144 |
| Core capital (leverage) ratio | 8.4670% | 5,601 |
| Tier 1 risk-based capital ratio | 13.2299% | 4,036 |
| Total risk-based capital ratio | 14.2167% | 4,128 |
| Memoranda: | ||
| Average total assets | $58,498,000 | 6,527 |
| Average earning assets | $53,658,000 | 6,519 |
| Average equity | $5,265,000 | 7,029 |
| Average total loans | $31,997,500 | 6,648 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2535% | 4,222 |
| Cost of funding earning assets | 1.5387% | 7,552 |
| Net interest margin | 4.7147% | 944 |
| Noninterest income to average assets | 1.0285% | 1,493 |
| Noninterest expense to average assets | 3.3074% | 2,940 |
| Loan and lease loss provision to assets | 0.0881% | 6,277 |
| Net operating income to assets | 1.3684% | 1,304 |
| Return on assets (ROA) | 1.3684% | 1,255 |
| Pretax return on assets | 1.9285% | 723 |
| Return on Equity (ROE) | 16.3579% | 720 |
| Retained earnings to average equity (ytd only) | 10.0421% | 445 |
| Net charge-offs to loans | -0.0296% | 7,972 |
| Credit loss provision to net charge-offs | -555.5556% | 7,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1237% | 5,930 |
| Assets per employee ($millions) | 2.6284% | 6,942 |
| Cash dividends to net income (ytd only)* | 38.6100% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 3,297 |
| Loan loss allowance to noncurrent loans | 1,123.0769% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 7,241 |
| Noncurrent loans to loans | 0.1232% | 7,044 |
| Net loans and leases to total assets | 53.9836% | 6,654 |
| Net loans and leases to deposits | 63.8625% | 6,809 |
| Net loans and leases to core deposits | 71.1719% | 7,123 |
| Total domestic deposits to total assets | 84.5309% | 3,057 |
| Equity capital to assets | 8.8422% | 5,581 |
| Core capital (leverage) ratio | 8.4178% | 5,717 |
| Tier 1 risk-based capital ratio | 12.6561% | 4,316 |
| Total risk-based capital ratio | 13.8055% | 4,306 |
| Memoranda: | ||
| Average total assets | $56,781,000 | 6,503 |
| Average earning assets | $51,731,400 | 6,519 |
| Average equity | $4,750,000 | 7,229 |
| Average total loans | $30,412,600 | 6,684 |