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 | 4.2506% | 3,524 |
| Cost of funding earning assets | 1.1062% | 3,053 |
| Net interest margin | 3.1444% | 2,990 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.7305% | 4,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4718% | 1,075 |
| Return on assets (ROA) | 1.4224% | 1,147 |
| Pretax return on assets | 1.4760% | 1,478 |
| Return on Equity (ROE) | 22.3800% | 440 |
| Retained earnings to average equity (ytd only) | 8.0965% | 1,507 |
| Net charge-offs to loans | -0.0529% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.7786% | 3,851 |
| Assets per employee ($millions) | 9.3186% | 884 |
| Cash dividends to net income (ytd only)* | 63.8162% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 1,190 |
| Loan loss allowance to noncurrent loans | 94.6366% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.7670% | 672 |
| Noncurrent loans to loans | 1.5360% | 441 |
| Net loans and leases to total assets | 49.2100% | 3,643 |
| Net loans and leases to deposits | 58.2514% | 3,622 |
| Net loans and leases to core deposits | 64.7636% | 3,551 |
| Total domestic deposits to total assets | 84.4800% | 2,474 |
| Equity capital to assets | 7.7095% | 3,596 |
| Core capital (leverage) ratio | 9.4226% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $330,492,000 | 2,267 |
| Average earning assets | $312,334,000 | 2,236 |
| Average equity | $21,009,000 | 2,774 |
| Average total loans | $160,645,800 | 2,598 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 3,502 |
| Cost of funding earning assets | 1.0188% | 2,984 |
| Net interest margin | 3.1622% | 2,998 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.6676% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5536% | 1,014 |
| Return on assets (ROA) | 1.5299% | 1,049 |
| Pretax return on assets | 1.5915% | 1,379 |
| Return on Equity (ROE) | 25.4500% | 376 |
| Retained earnings to average equity (ytd only) | 10.2916% | 1,323 |
| Net charge-offs to loans | 0.0520% | 1,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 64.3710% | 1,162 |
| Efficiency ratio | 49.4266% | 3,955 |
| Assets per employee ($millions) | 8.9333% | 952 |
| Cash dividends to net income (ytd only)* | 59.5553% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 1,294 |
| Loan loss allowance to noncurrent loans | 88.5405% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8032% | 696 |
| Noncurrent loans to loans | 1.6249% | 423 |
| Net loans and leases to total assets | 48.7200% | 3,698 |
| Net loans and leases to deposits | 56.7292% | 3,672 |
| Net loans and leases to core deposits | 62.3645% | 3,600 |
| Total domestic deposits to total assets | 85.8800% | 2,237 |
| Equity capital to assets | 5.1884% | 4,218 |
| Core capital (leverage) ratio | 9.5692% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $329,248,000 | 2,274 |
| Average earning assets | $311,333,250 | 2,242 |
| Average equity | $19,795,500 | 2,866 |
| Average total loans | $158,928,250 | 2,616 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 3,541 |
| Cost of funding earning assets | 0.9114% | 2,889 |
| Net interest margin | 3.1612% | 3,078 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.6221% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5892% | 965 |
| Return on assets (ROA) | 1.5522% | 1,011 |
| Pretax return on assets | 1.6166% | 1,379 |
| Return on Equity (ROE) | 24.7200% | 398 |
| Retained earnings to average equity (ytd only) | 10.3207% | 1,325 |
| Net charge-offs to loans | 0.0755% | 820 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 45.7667% | 1,332 |
| Efficiency ratio | 48.1332% | 4,058 |
| Assets per employee ($millions) | 9.3882% | 805 |
| Cash dividends to net income (ytd only)* | 58.2524% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,349 |
| Loan loss allowance to noncurrent loans | 98.7495% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 741 |
| Noncurrent loans to loans | 1.4691% | 459 |
| Net loans and leases to total assets | 47.3400% | 3,722 |
| Net loans and leases to deposits | 54.9696% | 3,700 |
| Net loans and leases to core deposits | 59.9674% | 3,636 |
| Total domestic deposits to total assets | 86.1200% | 2,198 |
| Equity capital to assets | 6.4942% | 3,995 |
| Core capital (leverage) ratio | 9.8364% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2329% | 790 |
| Memoranda: | ||
| Average total assets | $331,797,333 | 2,273 |
| Average earning assets | $314,690,667 | 2,237 |
| Average equity | $20,832,000 | 2,790 |
| Average total loans | $158,916,333 | 2,612 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9917% | 3,467 |
| Cost of funding earning assets | 0.7513% | 2,891 |
| Net interest margin | 3.2403% | 3,018 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.5609% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7219% | 789 |
| Return on assets (ROA) | 1.7000% | 816 |
| Pretax return on assets | 1.7708% | 1,127 |
| Return on Equity (ROE) | 27.5400% | 310 |
| Retained earnings to average equity (ytd only) | 12.9650% | 1,104 |
| Net charge-offs to loans | -0.0100% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.2074% | 4,259 |
| Assets per employee ($millions) | 9.1698% | 883 |
| Cash dividends to net income (ytd only)* | 52.9287% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 1,283 |
| Loan loss allowance to noncurrent loans | 1,538.5621% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 3,322 |
| Noncurrent loans to loans | 0.0971% | 3,059 |
| Net loans and leases to total assets | 47.0400% | 3,711 |
| Net loans and leases to deposits | 53.5000% | 3,715 |
| Net loans and leases to core deposits | 58.6543% | 3,599 |
| Total domestic deposits to total assets | 87.9300% | 1,952 |
| Equity capital to assets | 6.5735% | 4,008 |
| Core capital (leverage) ratio | 9.1053% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8154% | 1,021 |
| Memoranda: | ||
| Average total assets | $333,403,000 | 2,294 |
| Average earning assets | $318,362,500 | 2,262 |
| Average equity | $20,578,500 | 2,835 |
| Average total loans | $159,450,000 | 2,624 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 3,683 |
| Cost of funding earning assets | 0.3907% | 2,170 |
| Net interest margin | 2.8694% | 3,753 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 1.5704% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5420% | 791 |
| Return on assets (ROA) | 1.3860% | 1,119 |
| Pretax return on assets | 1.4503% | 1,614 |
| Return on Equity (ROE) | 20.8500% | 403 |
| Retained earnings to average equity (ytd only) | 11.5034% | 778 |
| Net charge-offs to loans | 0.0045% | 2,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 778.5714% | 236 |
| Efficiency ratio | 47.8479% | 4,248 |
| Assets per employee ($millions) | 9.6198% | 755 |
| Cash dividends to net income (ytd only)* | 44.8335% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 1,319 |
| Loan loss allowance to noncurrent loans | 228.1553% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 1,631 |
| Noncurrent loans to loans | 0.6388% | 1,158 |
| Net loans and leases to total assets | 47.1900% | 3,727 |
| Net loans and leases to deposits | 51.9396% | 3,806 |
| Net loans and leases to core deposits | 56.3421% | 3,706 |
| Total domestic deposits to total assets | 90.8600% | 1,007 |
| Equity capital to assets | 5.7788% | 4,160 |
| Core capital (leverage) ratio | 8.6576% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0788% | 968 |
| Memoranda: | ||
| Average total assets | $337,940,600 | 2,267 |
| Average earning assets | $317,350,000 | 2,253 |
| Average equity | $22,463,000 | 2,737 |
| Average total loans | $155,362,400 | 2,589 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1081% | 3,658 |
| Cost of funding earning assets | 0.3098% | 2,062 |
| Net interest margin | 2.7983% | 3,740 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 1.5038% | 4,416 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5993% | 658 |
| Return on assets (ROA) | 1.6015% | 636 |
| Pretax return on assets | 1.6772% | 948 |
| Return on Equity (ROE) | 23.3400% | 242 |
| Retained earnings to average equity (ytd only) | 11.2743% | 976 |
| Net charge-offs to loans | -0.0026% | 3,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.8085% | 4,392 |
| Assets per employee ($millions) | 10.0448% | 653 |
| Cash dividends to net income (ytd only)* | 51.6859% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 1,415 |
| Loan loss allowance to noncurrent loans | 163.4764% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 1,270 |
| Noncurrent loans to loans | 0.8945% | 875 |
| Net loans and leases to total assets | 47.2200% | 3,686 |
| Net loans and leases to deposits | 52.5351% | 3,696 |
| Net loans and leases to core deposits | 55.3227% | 3,667 |
| Total domestic deposits to total assets | 89.8900% | 1,714 |
| Equity capital to assets | 4.2241% | 4,450 |
| Core capital (leverage) ratio | 8.6323% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0586% | 1,164 |
| Memoranda: | ||
| Average total assets | $338,252,250 | 2,281 |
| Average earning assets | $315,855,750 | 2,272 |
| Average equity | $23,214,500 | 2,724 |
| Average total loans | $153,890,500 | 2,597 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9670% | 3,637 |
| Cost of funding earning assets | 0.2642% | 2,101 |
| Net interest margin | 2.7029% | 3,695 |
| Noninterest income to average assets | 0.2438% | 3,709 |
| Noninterest expense to average assets | 1.4555% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2477% | 1,285 |
| Return on assets (ROA) | 1.2511% | 1,262 |
| Pretax return on assets | 1.3098% | 1,717 |
| Return on Equity (ROE) | 16.2068% | 669 |
| Retained earnings to average equity (ytd only) | 5.5544% | 2,493 |
| Net charge-offs to loans | -0.0039% | 3,274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9570% | 4,194 |
| Assets per employee ($millions) | 8.4127% | 1,106 |
| Cash dividends to net income (ytd only)* | 65.7277% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 1,700 |
| Loan loss allowance to noncurrent loans | 183.3465% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 1,490 |
| Noncurrent loans to loans | 0.7706% | 1,110 |
| Net loans and leases to total assets | 48.1678% | 3,537 |
| Net loans and leases to deposits | 52.9987% | 3,607 |
| Net loans and leases to core deposits | 55.7356% | 3,588 |
| Total domestic deposits to total assets | 90.8849% | 1,284 |
| Equity capital to assets | 5.4222% | 4,389 |
| Core capital (leverage) ratio | 8.2438% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0392% | 1,174 |
| Memoranda: | ||
| Average total assets | $340,510,333 | 2,290 |
| Average earning assets | $317,220,333 | 2,290 |
| Average equity | $26,285,333 | 2,623 |
| Average total loans | $152,233,000 | 2,619 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7949% | 3,754 |
| Cost of funding earning assets | 0.2566% | 2,077 |
| Net interest margin | 2.5382% | 3,816 |
| Noninterest income to average assets | 0.2417% | 3,696 |
| Noninterest expense to average assets | 1.4563% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0682% | 1,627 |
| Return on assets (ROA) | 1.0838% | 1,565 |
| Pretax return on assets | 1.1351% | 2,036 |
| Return on Equity (ROE) | 12.2488% | 1,244 |
| Retained earnings to average equity (ytd only) | 3.0094% | 3,257 |
| Net charge-offs to loans | -0.0027% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6485% | 4,013 |
| Assets per employee ($millions) | 9.1074% | 879 |
| Cash dividends to net income (ytd only)* | 75.4310% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 1,346 |
| Loan loss allowance to noncurrent loans | 352.8875% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 2,462 |
| Noncurrent loans to loans | 0.4451% | 1,915 |
| Net loans and leases to total assets | 43.1778% | 3,802 |
| Net loans and leases to deposits | 48.4604% | 3,842 |
| Net loans and leases to core deposits | 51.0374% | 3,804 |
| Total domestic deposits to total assets | 89.0992% | 2,034 |
| Equity capital to assets | 7.6588% | 3,823 |
| Core capital (leverage) ratio | 8.1020% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3361% | 1,418 |
| Memoranda: | ||
| Average total assets | $342,512,000 | 2,291 |
| Average earning assets | $314,864,000 | 2,313 |
| Average equity | $30,305,000 | 2,467 |
| Average total loans | $146,144,000 | 2,676 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3276% | 3,122 |
| Cost of funding earning assets | 0.3637% | 1,821 |
| Net interest margin | 2.9639% | 3,286 |
| Noninterest income to average assets | 0.5347% | 2,419 |
| Noninterest expense to average assets | 1.8653% | 4,008 |
| Loan and lease loss provision to assets | 0.0105% | 2,870 |
| Net operating income to assets | 1.3799% | 1,346 |
| Return on assets (ROA) | 1.3867% | 1,378 |
| Pretax return on assets | 1.4519% | 1,873 |
| Return on Equity (ROE) | 13.3198% | 1,367 |
| Retained earnings to average equity (ytd only) | 9.2784% | 1,109 |
| Net charge-offs to loans | 0.0067% | 2,328 |
| Credit loss provision to net charge-offs | 333.3333% | 1,014 |
| Earnings coverage of net charge-offs (x) | 461.2222% | 293 |
| Efficiency ratio | 54.4821% | 3,882 |
| Assets per employee ($millions) | 9.4068% | 805 |
| Cash dividends to net income (ytd only)* | 30.3413% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 1,241 |
| Loan loss allowance to noncurrent loans | 499.1398% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 3,003 |
| Noncurrent loans to loans | 0.3219% | 2,437 |
| Net loans and leases to total assets | 40.8410% | 4,043 |
| Net loans and leases to deposits | 47.0961% | 4,043 |
| Net loans and leases to core deposits | 49.9624% | 4,017 |
| Total domestic deposits to total assets | 86.7183% | 2,614 |
| Equity capital to assets | 9.9991% | 2,657 |
| Core capital (leverage) ratio | 8.0097% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2148% | 1,004 |
| Memoranda: | ||
| Average total assets | $285,215,400 | 2,506 |
| Average earning assets | $268,092,800 | 2,500 |
| Average equity | $29,692,600 | 2,552 |
| Average total loans | $133,866,600 | 2,803 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4494% | 2,960 |
| Cost of funding earning assets | 0.4202% | 1,549 |
| Net interest margin | 3.0292% | 3,235 |
| Noninterest income to average assets | 0.6575% | 1,986 |
| Noninterest expense to average assets | 1.7117% | 4,310 |
| Loan and lease loss provision to assets | 0.0148% | 2,702 |
| Net operating income to assets | 1.7240% | 787 |
| Return on assets (ROA) | 1.7310% | 807 |
| Pretax return on assets | 1.8126% | 1,140 |
| Return on Equity (ROE) | 16.4180% | 863 |
| Retained earnings to average equity (ytd only) | 13.6027% | 559 |
| Net charge-offs to loans | 0.0102% | 1,940 |
| Credit loss provision to net charge-offs | 300.0000% | 1,006 |
| Earnings coverage of net charge-offs (x) | 367.9000% | 383 |
| Efficiency ratio | 47.0514% | 4,440 |
| Assets per employee ($millions) | 8.9663% | 903 |
| Cash dividends to net income (ytd only)* | 17.1478% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 1,393 |
| Loan loss allowance to noncurrent loans | 277.5120% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 2,558 |
| Noncurrent loans to loans | 0.5690% | 1,885 |
| Net loans and leases to total assets | 42.4405% | 4,064 |
| Net loans and leases to deposits | 49.5723% | 4,024 |
| Net loans and leases to core deposits | 50.0904% | 4,130 |
| Total domestic deposits to total assets | 85.6134% | 2,908 |
| Equity capital to assets | 10.3704% | 2,555 |
| Core capital (leverage) ratio | 8.4472% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,506,750 | 2,625 |
| Average earning assets | $255,726,000 | 2,597 |
| Average equity | $28,415,250 | 2,652 |
| Average total loans | $131,216,250 | 2,877 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 2,323 |
| Cost of funding earning assets | 0.4567% | 1,472 |
| Net interest margin | 3.2455% | 2,618 |
| Noninterest income to average assets | 0.9187% | 1,220 |
| Noninterest expense to average assets | 1.6642% | 4,416 |
| Loan and lease loss provision to assets | 0.0244% | 2,479 |
| Net operating income to assets | 2.2089% | 334 |
| Return on assets (ROA) | 2.2159% | 350 |
| Pretax return on assets | 2.3201% | 466 |
| Return on Equity (ROE) | 20.8587% | 393 |
| Retained earnings to average equity (ytd only) | 20.8587% | 136 |
| Net charge-offs to loans | 0.0175% | 1,599 |
| Credit loss provision to net charge-offs | 272.7273% | 932 |
| Earnings coverage of net charge-offs (x) | 261.0909% | 417 |
| Efficiency ratio | 39.9227% | 4,750 |
| Assets per employee ($millions) | 9.5713% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 781 |
| Loan loss allowance to noncurrent loans | 278.7260% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 2,260 |
| Noncurrent loans to loans | 0.6704% | 1,749 |
| Net loans and leases to total assets | 48.9414% | 3,650 |
| Net loans and leases to deposits | 58.6079% | 3,488 |
| Net loans and leases to core deposits | 64.1114% | 3,279 |
| Total domestic deposits to total assets | 83.5065% | 3,576 |
| Equity capital to assets | 10.9425% | 2,030 |
| Core capital (leverage) ratio | 9.2186% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,769,333 | 2,766 |
| Average earning assets | $233,433,000 | 2,733 |
| Average equity | $26,109,000 | 2,804 |
| Average total loans | $125,980,667 | 2,949 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 1,487 |
| Cost of funding earning assets | 0.4753% | 1,557 |
| Net interest margin | 3.5846% | 1,627 |
| Noninterest income to average assets | 1.5674% | 568 |
| Noninterest expense to average assets | 1.6460% | 4,471 |
| Loan and lease loss provision to assets | 0.0491% | 2,103 |
| Net operating income to assets | 3.0979% | 142 |
| Return on assets (ROA) | 3.1135% | 155 |
| Pretax return on assets | 3.2609% | 179 |
| Return on Equity (ROE) | 29.7636% | 144 |
| Retained earnings to average equity (ytd only) | 29.7636% | 79 |
| Net charge-offs to loans | 0.0315% | 1,171 |
| Credit loss provision to net charge-offs | 300.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 201.1000% | 396 |
| Efficiency ratio | 31.7971% | 4,895 |
| Assets per employee ($millions) | 9.3857% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8059% | 861 |
| Loan loss allowance to noncurrent loans | 244.9842% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 2,247 |
| Noncurrent loans to loans | 0.7372% | 1,756 |
| Net loans and leases to total assets | 51.6932% | 3,472 |
| Net loans and leases to deposits | 61.6791% | 3,352 |
| Net loans and leases to core deposits | 67.5785% | 3,097 |
| Total domestic deposits to total assets | 83.8101% | 3,498 |
| Equity capital to assets | 10.5365% | 2,234 |
| Core capital (leverage) ratio | 8.9108% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,226,500 | 2,762 |
| Average earning assets | $229,761,000 | 2,751 |
| Average equity | $25,548,000 | 2,832 |
| Average total loans | $126,915,000 | 2,938 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 3,087 |
| Cost of funding earning assets | 0.6860% | 1,798 |
| Net interest margin | 3.1922% | 3,380 |
| Noninterest income to average assets | 0.3114% | 3,616 |
| Noninterest expense to average assets | 1.7921% | 4,484 |
| Loan and lease loss provision to assets | 0.3616% | 931 |
| Net operating income to assets | 1.1263% | 1,813 |
| Return on assets (ROA) | 1.1245% | 1,944 |
| Pretax return on assets | 1.1742% | 2,423 |
| Return on Equity (ROE) | 10.2843% | 1,890 |
| Retained earnings to average equity (ytd only) | 0.3638% | 4,405 |
| Net charge-offs to loans | -0.0049% | 4,122 |
| Credit loss provision to net charge-offs | -13,333.3333% | 4,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3506% | 4,434 |
| Assets per employee ($millions) | 9.0528% | 728 |
| Cash dividends to net income (ytd only)* | 96.4630% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 807 |
| Loan loss allowance to noncurrent loans | 199.8262% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 2,148 |
| Noncurrent loans to loans | 0.9181% | 1,534 |
| Net loans and leases to total assets | 50.3484% | 3,798 |
| Net loans and leases to deposits | 60.0758% | 3,756 |
| Net loans and leases to core deposits | 67.4978% | 3,441 |
| Total domestic deposits to total assets | 83.8081% | 3,165 |
| Equity capital to assets | 10.3852% | 2,767 |
| Core capital (leverage) ratio | 8.4681% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,248,000 | 2,787 |
| Average earning assets | $209,198,400 | 2,751 |
| Average equity | $24,192,200 | 2,863 |
| Average total loans | $121,672,200 | 2,963 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1078% | 2,655 |
| Cost of funding earning assets | 0.7326% | 1,844 |
| Net interest margin | 3.3751% | 2,990 |
| Noninterest income to average assets | 0.3274% | 3,527 |
| Noninterest expense to average assets | 1.7959% | 4,508 |
| Loan and lease loss provision to assets | 0.4581% | 693 |
| Net operating income to assets | 1.2239% | 1,568 |
| Return on assets (ROA) | 1.2191% | 1,704 |
| Pretax return on assets | 1.2729% | 2,145 |
| Return on Equity (ROE) | 10.9926% | 1,680 |
| Retained earnings to average equity (ytd only) | 4.2966% | 2,898 |
| Net charge-offs to loans | -0.0077% | 4,165 |
| Credit loss provision to net charge-offs | -10,571.4286% | 4,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4493% | 4,582 |
| Assets per employee ($millions) | 8.4644% | 856 |
| Cash dividends to net income (ytd only)* | 60.9137% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7135% | 873 |
| Loan loss allowance to noncurrent loans | 165.3137% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 1,953 |
| Noncurrent loans to loans | 1.0365% | 1,446 |
| Net loans and leases to total assets | 56.2204% | 3,602 |
| Net loans and leases to deposits | 68.3504% | 3,442 |
| Net loans and leases to core deposits | 78.5956% | 2,957 |
| Total domestic deposits to total assets | 82.2533% | 3,357 |
| Equity capital to assets | 11.2275% | 2,211 |
| Core capital (leverage) ratio | 9.2768% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,453,750 | 2,812 |
| Average earning assets | $204,550,000 | 2,771 |
| Average equity | $23,894,250 | 2,875 |
| Average total loans | $120,749,250 | 2,988 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 2,192 |
| Cost of funding earning assets | 0.7915% | 1,865 |
| Net interest margin | 3.6145% | 2,436 |
| Noninterest income to average assets | 0.3742% | 3,234 |
| Noninterest expense to average assets | 1.8305% | 4,515 |
| Loan and lease loss provision to assets | 0.6443% | 458 |
| Net operating income to assets | 1.2702% | 1,435 |
| Return on assets (ROA) | 1.2620% | 1,578 |
| Pretax return on assets | 1.3179% | 1,976 |
| Return on Equity (ROE) | 11.4305% | 1,502 |
| Retained earnings to average equity (ytd only) | 6.2816% | 1,947 |
| Net charge-offs to loans | -0.0068% | 4,100 |
| Credit loss provision to net charge-offs | -17,000.0000% | 4,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8873% | 4,730 |
| Assets per employee ($millions) | 7.3452% | 1,251 |
| Cash dividends to net income (ytd only)* | 45.0450% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7559% | 721 |
| Loan loss allowance to noncurrent loans | 176.4992% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5600% | 2,129 |
| Noncurrent loans to loans | 0.9948% | 1,561 |
| Net loans and leases to total assets | 55.3025% | 3,750 |
| Net loans and leases to deposits | 67.7608% | 3,593 |
| Net loans and leases to core deposits | 77.4515% | 3,156 |
| Total domestic deposits to total assets | 81.6144% | 3,468 |
| Equity capital to assets | 11.5699% | 1,925 |
| Core capital (leverage) ratio | 9.4286% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,092,333 | 2,820 |
| Average earning assets | $200,138,000 | 2,780 |
| Average equity | $23,306,000 | 2,906 |
| Average total loans | $117,424,000 | 3,011 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 3,620 |
| Cost of funding earning assets | 0.8775% | 1,980 |
| Net interest margin | 3.1861% | 3,893 |
| Noninterest income to average assets | 0.4766% | 2,673 |
| Noninterest expense to average assets | 1.8270% | 4,633 |
| Loan and lease loss provision to assets | 0.2325% | 1,332 |
| Net operating income to assets | 1.3670% | 1,062 |
| Return on assets (ROA) | 1.3465% | 1,206 |
| Pretax return on assets | 1.4066% | 1,543 |
| Return on Equity (ROE) | 12.5160% | 982 |
| Retained earnings to average equity (ytd only) | 1.7108% | 3,544 |
| Net charge-offs to loans | -0.0070% | 3,955 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8333% | 4,681 |
| Assets per employee ($millions) | 7.4638% | 906 |
| Cash dividends to net income (ytd only)* | 86.3309% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 1,637 |
| Loan loss allowance to noncurrent loans | 80.4380% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 1,315 |
| Noncurrent loans to loans | 1.7635% | 853 |
| Net loans and leases to total assets | 55.7269% | 3,860 |
| Net loans and leases to deposits | 68.4038% | 3,703 |
| Net loans and leases to core deposits | 80.1499% | 3,182 |
| Total domestic deposits to total assets | 81.4675% | 3,553 |
| Equity capital to assets | 10.2371% | 3,569 |
| Core capital (leverage) ratio | 9.7174% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5174% | 1,231 |
| Memoranda: | ||
| Average total assets | $206,460,000 | 2,821 |
| Average earning assets | $195,097,500 | 2,781 |
| Average equity | $22,211,500 | 2,981 |
| Average total loans | $114,115,500 | 3,027 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2059% | 3,803 |
| Cost of funding earning assets | 0.9597% | 1,909 |
| Net interest margin | 3.2461% | 4,090 |
| Noninterest income to average assets | 0.3096% | 3,840 |
| Noninterest expense to average assets | 1.8655% | 4,699 |
| Loan and lease loss provision to assets | 0.1326% | 1,607 |
| Net operating income to assets | 1.3287% | 1,584 |
| Return on assets (ROA) | 1.3486% | 1,588 |
| Pretax return on assets | 1.4079% | 2,131 |
| Return on Equity (ROE) | 12.3986% | 1,361 |
| Retained earnings to average equity (ytd only) | 2.8237% | 3,628 |
| Net charge-offs to loans | 0.0254% | 2,887 |
| Credit loss provision to net charge-offs | 948.2759% | 364 |
| Earnings coverage of net charge-offs (x) | 108.6897% | 637 |
| Efficiency ratio | 52.5139% | 4,568 |
| Assets per employee ($millions) | 8.1307% | 677 |
| Cash dividends to net income (ytd only)* | 77.2256% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 1,889 |
| Loan loss allowance to noncurrent loans | 158.0952% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 2,614 |
| Noncurrent loans to loans | 0.8267% | 1,857 |
| Net loans and leases to total assets | 53.3681% | 4,124 |
| Net loans and leases to deposits | 65.0625% | 4,002 |
| Net loans and leases to core deposits | 76.2502% | 3,558 |
| Total domestic deposits to total assets | 82.0258% | 3,506 |
| Equity capital to assets | 11.2551% | 2,754 |
| Core capital (leverage) ratio | 9.3838% | 4,183 |
| Tier 1 risk-based capital ratio | 17.6855% | 1,843 |
| Total risk-based capital ratio | 18.9369% | 1,796 |
| Memoranda: | ||
| Average total assets | $207,397,800 | 2,781 |
| Average earning assets | $196,511,800 | 2,736 |
| Average equity | $22,559,000 | 2,910 |
| Average total loans | $114,193,400 | 3,022 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2814% | 3,712 |
| Cost of funding earning assets | 0.9777% | 1,860 |
| Net interest margin | 3.3037% | 4,087 |
| Noninterest income to average assets | 0.3172% | 3,856 |
| Noninterest expense to average assets | 1.8204% | 4,793 |
| Loan and lease loss provision to assets | 0.1453% | 1,318 |
| Net operating income to assets | 1.4266% | 1,394 |
| Return on assets (ROA) | 1.4334% | 1,431 |
| Pretax return on assets | 1.4974% | 1,965 |
| Return on Equity (ROE) | 13.2967% | 1,177 |
| Retained earnings to average equity (ytd only) | 3.5894% | 3,605 |
| Net charge-offs to loans | 0.0187% | 2,752 |
| Credit loss provision to net charge-offs | 1,406.2500% | 263 |
| Earnings coverage of net charge-offs (x) | 158.2710% | 524 |
| Efficiency ratio | 50.1121% | 4,736 |
| Assets per employee ($millions) | 8.3693% | 606 |
| Cash dividends to net income (ytd only)* | 73.0061% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,172 |
| Loan loss allowance to noncurrent loans | 140.3661% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 2,542 |
| Noncurrent loans to loans | 0.8978% | 1,780 |
| Net loans and leases to total assets | 54.5593% | 4,127 |
| Net loans and leases to deposits | 67.5699% | 3,949 |
| Net loans and leases to core deposits | 78.1628% | 3,538 |
| Total domestic deposits to total assets | 80.7449% | 3,822 |
| Equity capital to assets | 11.4905% | 2,664 |
| Core capital (leverage) ratio | 9.5375% | 4,130 |
| Tier 1 risk-based capital ratio | 17.5530% | 1,931 |
| Total risk-based capital ratio | 18.8039% | 1,896 |
| Memoranda: | ||
| Average total assets | $206,397,750 | 2,808 |
| Average earning assets | $196,097,000 | 2,759 |
| Average equity | $22,250,500 | 2,959 |
| Average total loans | $114,163,500 | 3,060 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 3,504 |
| Cost of funding earning assets | 0.9857% | 1,764 |
| Net interest margin | 3.3596% | 4,012 |
| Noninterest income to average assets | 0.2813% | 4,056 |
| Noninterest expense to average assets | 1.8048% | 4,870 |
| Loan and lease loss provision to assets | 0.1460% | 1,264 |
| Net operating income to assets | 1.4665% | 1,244 |
| Return on assets (ROA) | 1.4767% | 1,263 |
| Pretax return on assets | 1.5429% | 1,723 |
| Return on Equity (ROE) | 14.0117% | 978 |
| Retained earnings to average equity (ytd only) | 4.0363% | 3,228 |
| Net charge-offs to loans | 0.0194% | 2,481 |
| Credit loss provision to net charge-offs | 1,363.6364% | 264 |
| Earnings coverage of net charge-offs (x) | 156.7273% | 477 |
| Efficiency ratio | 49.2733% | 4,823 |
| Assets per employee ($millions) | 7.5039% | 809 |
| Cash dividends to net income (ytd only)* | 71.1931% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,371 |
| Loan loss allowance to noncurrent loans | 229.0429% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 3,351 |
| Noncurrent loans to loans | 0.5360% | 2,670 |
| Net loans and leases to total assets | 55.1181% | 4,131 |
| Net loans and leases to deposits | 68.4701% | 3,940 |
| Net loans and leases to core deposits | 78.9503% | 3,507 |
| Total domestic deposits to total assets | 80.4995% | 3,939 |
| Equity capital to assets | 11.4499% | 2,639 |
| Core capital (leverage) ratio | 9.5062% | 4,137 |
| Tier 1 risk-based capital ratio | 17.6449% | 1,896 |
| Total risk-based capital ratio | 18.8958% | 1,850 |
| Memoranda: | ||
| Average total assets | $205,452,670 | 2,826 |
| Average earning assets | $195,796,670 | 2,773 |
| Average equity | $21,653,330 | 3,005 |
| Average total loans | $113,680,330 | 3,077 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 3,467 |
| Cost of funding earning assets | 0.9857% | 1,632 |
| Net interest margin | 3.3441% | 4,050 |
| Noninterest income to average assets | 0.2823% | 3,992 |
| Noninterest expense to average assets | 1.8194% | 4,902 |
| Loan and lease loss provision to assets | 0.1450% | 1,173 |
| Net operating income to assets | 1.4298% | 1,295 |
| Return on assets (ROA) | 1.4521% | 1,256 |
| Pretax return on assets | 1.5159% | 1,715 |
| Return on Equity (ROE) | 14.3863% | 881 |
| Retained earnings to average equity (ytd only) | 4.0420% | 3,301 |
| Net charge-offs to loans | -0.0035% | 3,944 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1119% | 4,819 |
| Assets per employee ($millions) | 7.5824% | 784 |
| Cash dividends to net income (ytd only)* | 71.9041% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 2,774 |
| Loan loss allowance to noncurrent loans | 2,206.6667% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 4,701 |
| Noncurrent loans to loans | 0.0527% | 4,524 |
| Net loans and leases to total assets | 54.9324% | 4,140 |
| Net loans and leases to deposits | 67.1818% | 3,967 |
| Net loans and leases to core deposits | 79.0343% | 3,446 |
| Total domestic deposits to total assets | 81.7668% | 3,788 |
| Equity capital to assets | 10.5184% | 3,327 |
| Core capital (leverage) ratio | 9.2976% | 4,365 |
| Tier 1 risk-based capital ratio | 16.8651% | 2,149 |
| Total risk-based capital ratio | 18.0707% | 2,115 |
| Memoranda: | ||
| Average total assets | $206,876,500 | 2,838 |
| Average earning assets | $196,404,500 | 2,796 |
| Average equity | $20,881,000 | 3,078 |
| Average total loans | $113,990,500 | 3,098 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 3,665 |
| Cost of funding earning assets | 0.8783% | 1,183 |
| Net interest margin | 3.2467% | 4,394 |
| Noninterest income to average assets | 0.3132% | 4,024 |
| Noninterest expense to average assets | 1.9813% | 4,782 |
| Loan and lease loss provision to assets | 0.1970% | 960 |
| Net operating income to assets | 1.1726% | 2,303 |
| Return on assets (ROA) | 1.1180% | 2,524 |
| Pretax return on assets | 1.1667% | 3,032 |
| Return on Equity (ROE) | 11.1996% | 2,004 |
| Retained earnings to average equity (ytd only) | -0.6414% | 5,058 |
| Net charge-offs to loans | 0.3764% | 505 |
| Credit loss provision to net charge-offs | 94.3396% | 2,659 |
| Earnings coverage of net charge-offs (x) | 6.8066% | 3,049 |
| Efficiency ratio | 55.5942% | 4,460 |
| Assets per employee ($millions) | 7.4653% | 808 |
| Cash dividends to net income (ytd only)* | 105.7269% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,142 |
| Loan loss allowance to noncurrent loans | 5,947.6190% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,853 |
| Noncurrent loans to loans | 0.0184% | 4,712 |
| Net loans and leases to total assets | 54.0346% | 4,277 |
| Net loans and leases to deposits | 64.6235% | 4,215 |
| Net loans and leases to core deposits | 76.8603% | 3,650 |
| Total domestic deposits to total assets | 83.6146% | 3,121 |
| Equity capital to assets | 9.6772% | 3,976 |
| Core capital (leverage) ratio | 9.1091% | 4,551 |
| Tier 1 risk-based capital ratio | 16.4483% | 2,260 |
| Total risk-based capital ratio | 17.5744% | 2,242 |
| Memoranda: | ||
| Average total assets | $203,044,800 | 2,829 |
| Average earning assets | $193,211,400 | 2,786 |
| Average equity | $20,268,600 | 3,068 |
| Average total loans | $112,653,800 | 3,100 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,811 |
| Cost of funding earning assets | 0.8519% | 1,112 |
| Net interest margin | 3.1904% | 4,531 |
| Noninterest income to average assets | 0.3195% | 4,014 |
| Noninterest expense to average assets | 1.9859% | 4,768 |
| Loan and lease loss provision to assets | 0.2150% | 778 |
| Net operating income to assets | 1.1114% | 2,613 |
| Return on assets (ROA) | 1.0703% | 2,790 |
| Pretax return on assets | 1.1173% | 3,329 |
| Return on Equity (ROE) | 10.6381% | 2,329 |
| Retained earnings to average equity (ytd only) | 0.7758% | 4,905 |
| Net charge-offs to loans | 0.5000% | 313 |
| Credit loss provision to net charge-offs | 77.1971% | 2,561 |
| Earnings coverage of net charge-offs (x) | 4.9406% | 3,005 |
| Efficiency ratio | 56.3754% | 4,332 |
| Assets per employee ($millions) | 7.1231% | 892 |
| Cash dividends to net income (ytd only)* | 92.7070% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,502 |
| Loan loss allowance to noncurrent loans | 4,055.1724% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 4,929 |
| Noncurrent loans to loans | 0.0257% | 4,780 |
| Net loans and leases to total assets | 55.8913% | 4,229 |
| Net loans and leases to deposits | 67.5842% | 4,085 |
| Net loans and leases to core deposits | 79.7998% | 3,510 |
| Total domestic deposits to total assets | 82.6987% | 3,405 |
| Equity capital to assets | 9.8241% | 3,802 |
| Core capital (leverage) ratio | 9.5251% | 4,144 |
| Tier 1 risk-based capital ratio | 16.8321% | 2,157 |
| Total risk-based capital ratio | 17.9076% | 2,167 |
| Memoranda: | ||
| Average total assets | $201,549,250 | 2,870 |
| Average earning assets | $192,198,750 | 2,819 |
| Average equity | $20,278,750 | 3,093 |
| Average total loans | $112,268,250 | 3,133 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9904% | 3,812 |
| Cost of funding earning assets | 0.8158% | 1,062 |
| Net interest margin | 3.1746% | 4,562 |
| Noninterest income to average assets | 0.3293% | 3,986 |
| Noninterest expense to average assets | 1.9639% | 4,857 |
| Loan and lease loss provision to assets | 0.2472% | 620 |
| Net operating income to assets | 1.0858% | 2,637 |
| Return on assets (ROA) | 1.0729% | 2,703 |
| Pretax return on assets | 1.1204% | 3,231 |
| Return on Equity (ROE) | 10.5818% | 2,289 |
| Retained earnings to average equity (ytd only) | 0.8290% | 4,795 |
| Net charge-offs to loans | 0.4280% | 361 |
| Credit loss provision to net charge-offs | 104.1667% | 1,960 |
| Earnings coverage of net charge-offs (x) | 5.8250% | 2,683 |
| Efficiency ratio | 55.9988% | 4,480 |
| Assets per employee ($millions) | 7.1775% | 864 |
| Cash dividends to net income (ytd only)* | 92.1659% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 3,090 |
| Loan loss allowance to noncurrent loans | 160.8532% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 3,155 |
| Noncurrent loans to loans | 0.7028% | 2,354 |
| Net loans and leases to total assets | 55.7921% | 4,182 |
| Net loans and leases to deposits | 70.6381% | 3,809 |
| Net loans and leases to core deposits | 81.2825% | 3,300 |
| Total domestic deposits to total assets | 78.9830% | 4,429 |
| Equity capital to assets | 10.0731% | 3,556 |
| Core capital (leverage) ratio | 9.5557% | 4,056 |
| Tier 1 risk-based capital ratio | 16.8029% | 2,165 |
| Total risk-based capital ratio | 17.9751% | 2,132 |
| Memoranda: | ||
| Average total assets | $202,249,670 | 2,880 |
| Average earning assets | $192,212,670 | 2,832 |
| Average equity | $20,507,000 | 3,077 |
| Average total loans | $112,141,000 | 3,139 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9383% | 3,819 |
| Cost of funding earning assets | 0.7736% | 1,085 |
| Net interest margin | 3.1648% | 4,567 |
| Noninterest income to average assets | 0.3056% | 4,118 |
| Noninterest expense to average assets | 1.9695% | 4,911 |
| Loan and lease loss provision to assets | 0.3450% | 353 |
| Net operating income to assets | 0.9759% | 2,959 |
| Return on assets (ROA) | 0.9483% | 3,098 |
| Pretax return on assets | 0.9700% | 3,635 |
| Return on Equity (ROE) | 9.3224% | 2,751 |
| Retained earnings to average equity (ytd only) | -0.3682% | 4,845 |
| Net charge-offs to loans | 0.8286% | 175 |
| Credit loss provision to net charge-offs | 75.7576% | 1,783 |
| Earnings coverage of net charge-offs (x) | 2.9524% | 2,419 |
| Efficiency ratio | 56.6924% | 4,498 |
| Assets per employee ($millions) | 7.0906% | 927 |
| Cash dividends to net income (ytd only)* | 103.9501% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 3,447 |
| Loan loss allowance to noncurrent loans | 152.1902% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 3,222 |
| Noncurrent loans to loans | 0.7165% | 2,420 |
| Net loans and leases to total assets | 55.5531% | 4,155 |
| Net loans and leases to deposits | 69.5155% | 3,826 |
| Net loans and leases to core deposits | 78.8772% | 3,416 |
| Total domestic deposits to total assets | 79.9147% | 4,432 |
| Equity capital to assets | 10.1437% | 3,458 |
| Core capital (leverage) ratio | 9.3531% | 4,254 |
| Tier 1 risk-based capital ratio | 17.2434% | 2,048 |
| Total risk-based capital ratio | 18.3953% | 2,031 |
| Memoranda: | ||
| Average total assets | $202,889,000 | 2,908 |
| Average earning assets | $192,874,000 | 2,854 |
| Average equity | $20,638,500 | 3,094 |
| Average total loans | $111,507,500 | 3,172 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9165% | 3,668 |
| Cost of funding earning assets | 0.7826% | 687 |
| Net interest margin | 3.1339% | 4,619 |
| Noninterest income to average assets | 1.1889% | 734 |
| Noninterest expense to average assets | 2.0750% | 4,824 |
| Loan and lease loss provision to assets | 0.0488% | 3,248 |
| Net operating income to assets | 1.9670% | 301 |
| Return on assets (ROA) | 2.0928% | 243 |
| Pretax return on assets | 2.1801% | 326 |
| Return on Equity (ROE) | 19.9750% | 196 |
| Retained earnings to average equity (ytd only) | 2.2048% | 4,001 |
| Net charge-offs to loans | 0.2481% | 1,050 |
| Credit loss provision to net charge-offs | 34.4130% | 3,498 |
| Earnings coverage of net charge-offs (x) | 14.8178% | 2,297 |
| Efficiency ratio | 49.2504% | 5,260 |
| Assets per employee ($millions) | 7.1462% | 914 |
| Cash dividends to net income (ytd only)* | 88.9621% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 3,111 |
| Loan loss allowance to noncurrent loans | 90.1488% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6809% | 2,277 |
| Noncurrent loans to loans | 1.2654% | 1,390 |
| Net loans and leases to total assets | 53.1910% | 4,425 |
| Net loans and leases to deposits | 63.3130% | 4,362 |
| Net loans and leases to core deposits | 73.6990% | 3,900 |
| Total domestic deposits to total assets | 84.0127% | 3,203 |
| Equity capital to assets | 10.1998% | 3,490 |
| Core capital (leverage) ratio | 9.3718% | 4,198 |
| Tier 1 risk-based capital ratio | 16.2062% | 2,359 |
| Total risk-based capital ratio | 17.3299% | 2,343 |
| Memoranda: | ||
| Average total assets | $174,025,400 | 3,195 |
| Average earning assets | $165,990,000 | 3,130 |
| Average equity | $18,232,800 | 3,335 |
| Average total loans | $99,565,000 | 3,359 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 3,702 |
| Cost of funding earning assets | 0.7762% | 664 |
| Net interest margin | 3.1166% | 4,668 |
| Noninterest income to average assets | 1.5504% | 454 |
| Noninterest expense to average assets | 2.0194% | 4,913 |
| Loan and lease loss provision to assets | 0.0080% | 3,972 |
| Net operating income to assets | 2.4032% | 156 |
| Return on assets (ROA) | 2.5818% | 121 |
| Pretax return on assets | 2.6896% | 155 |
| Return on Equity (ROE) | 24.4398% | 80 |
| Retained earnings to average equity (ytd only) | 17.0142% | 75 |
| Net charge-offs to loans | -0.0083% | 4,581 |
| Credit loss provision to net charge-offs | -166.6667% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4957% | 5,467 |
| Assets per employee ($millions) | 7.6276% | 722 |
| Cash dividends to net income (ytd only)* | 30.3834% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 1,659 |
| Loan loss allowance to noncurrent loans | 269.3309% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 3,802 |
| Noncurrent loans to loans | 0.5439% | 3,072 |
| Net loans and leases to total assets | 55.5550% | 4,269 |
| Net loans and leases to deposits | 72.4051% | 3,728 |
| Net loans and leases to core deposits | 92.0861% | 2,428 |
| Total domestic deposits to total assets | 76.7281% | 4,935 |
| Equity capital to assets | 10.8234% | 3,041 |
| Core capital (leverage) ratio | 10.5287% | 2,957 |
| Tier 1 risk-based capital ratio | 18.5061% | 1,726 |
| Total risk-based capital ratio | 19.7593% | 1,681 |
| Memoranda: | ||
| Average total assets | $165,721,750 | 3,316 |
| Average earning assets | $158,887,250 | 3,239 |
| Average equity | $17,506,500 | 3,460 |
| Average total loans | $96,580,000 | 3,433 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8579% | 3,693 |
| Cost of funding earning assets | 0.7422% | 713 |
| Net interest margin | 3.1156% | 4,638 |
| Noninterest income to average assets | 2.2033% | 278 |
| Noninterest expense to average assets | 2.0064% | 4,965 |
| Loan and lease loss provision to assets | 0.0123% | 3,712 |
| Net operating income to assets | 3.0502% | 75 |
| Return on assets (ROA) | 3.2742% | 71 |
| Pretax return on assets | 3.3886% | 96 |
| Return on Equity (ROE) | 31.2708% | 34 |
| Retained earnings to average equity (ytd only) | 23.6294% | 36 |
| Net charge-offs to loans | -0.0125% | 4,609 |
| Credit loss provision to net charge-offs | -166.6667% | 4,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6990% | 5,653 |
| Assets per employee ($millions) | 7.2617% | 824 |
| Cash dividends to net income (ytd only)* | 24.4361% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 1,531 |
| Loan loss allowance to noncurrent loans | 322.2222% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 4,008 |
| Noncurrent loans to loans | 0.4701% | 3,333 |
| Net loans and leases to total assets | 56.4475% | 4,173 |
| Net loans and leases to deposits | 72.3696% | 3,703 |
| Net loans and leases to core deposits | 91.0388% | 2,425 |
| Total domestic deposits to total assets | 77.9989% | 4,814 |
| Equity capital to assets | 11.3622% | 2,445 |
| Core capital (leverage) ratio | 10.9217% | 2,481 |
| Tier 1 risk-based capital ratio | 18.6823% | 1,673 |
| Total risk-based capital ratio | 19.9360% | 1,634 |
| Memoranda: | ||
| Average total assets | $162,484,000 | 3,367 |
| Average earning assets | $155,474,000 | 3,298 |
| Average equity | $17,012,670 | 3,532 |
| Average total loans | $95,802,670 | 3,456 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9203% | 3,324 |
| Cost of funding earning assets | 0.7144% | 780 |
| Net interest margin | 3.2058% | 4,326 |
| Noninterest income to average assets | 1.2658% | 634 |
| Noninterest expense to average assets | 2.4667% | 3,917 |
| Loan and lease loss provision to assets | 0.0250% | 3,251 |
| Net operating income to assets | 1.7552% | 494 |
| Return on assets (ROA) | 1.6977% | 565 |
| Pretax return on assets | 1.7726% | 854 |
| Return on Equity (ROE) | 16.9677% | 418 |
| Retained earnings to average equity (ytd only) | 8.8581% | 1,127 |
| Net charge-offs to loans | -0.0167% | 4,641 |
| Credit loss provision to net charge-offs | -250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1201% | 4,930 |
| Assets per employee ($millions) | 5.5188% | 1,871 |
| Cash dividends to net income (ytd only)* | 47.7941% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 1,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 5,324 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 59.8632% | 3,800 |
| Net loans and leases to deposits | 73.4803% | 3,452 |
| Net loans and leases to core deposits | 92.9056% | 2,075 |
| Total domestic deposits to total assets | 81.4683% | 4,309 |
| Equity capital to assets | 10.2446% | 3,468 |
| Core capital (leverage) ratio | 10.0761% | 3,407 |
| Tier 1 risk-based capital ratio | 16.6321% | 2,311 |
| Total risk-based capital ratio | 17.8862% | 2,268 |
| Memoranda: | ||
| Average total assets | $160,216,500 | 3,428 |
| Average earning assets | $152,846,500 | 3,366 |
| Average equity | $16,030,500 | 3,663 |
| Average total loans | $95,840,000 | 3,486 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9009% | 3,568 |
| Cost of funding earning assets | 0.6528% | 1,038 |
| Net interest margin | 3.2481% | 4,306 |
| Noninterest income to average assets | 1.0480% | 1,027 |
| Noninterest expense to average assets | 2.5899% | 3,702 |
| Loan and lease loss provision to assets | 0.0988% | 2,404 |
| Net operating income to assets | 1.4129% | 988 |
| Return on assets (ROA) | 1.4926% | 861 |
| Pretax return on assets | 1.5591% | 1,405 |
| Return on Equity (ROE) | 13.8093% | 805 |
| Retained earnings to average equity (ytd only) | 7.7761% | 932 |
| Net charge-offs to loans | 0.0597% | 2,856 |
| Credit loss provision to net charge-offs | 277.7778% | 1,048 |
| Earnings coverage of net charge-offs (x) | 44.2778% | 1,095 |
| Efficiency ratio | 61.2051% | 4,381 |
| Assets per employee ($millions) | 5.3463% | 2,004 |
| Cash dividends to net income (ytd only)* | 43.6893% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 1,603 |
| Loan loss allowance to noncurrent loans | 157.5824% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 3,037 |
| Noncurrent loans to loans | 0.9637% | 2,158 |
| Net loans and leases to total assets | 57.9782% | 4,070 |
| Net loans and leases to deposits | 70.9641% | 3,816 |
| Net loans and leases to core deposits | 86.5853% | 2,805 |
| Total domestic deposits to total assets | 81.7006% | 4,149 |
| Equity capital to assets | 9.7669% | 3,990 |
| Core capital (leverage) ratio | 9.9735% | 3,517 |
| Tier 1 risk-based capital ratio | 16.7257% | 2,259 |
| Total risk-based capital ratio | 17.9800% | 2,201 |
| Memoranda: | ||
| Average total assets | $151,820,000 | 3,492 |
| Average earning assets | $145,683,800 | 3,426 |
| Average equity | $16,409,200 | 3,636 |
| Average total loans | $90,505,400 | 3,567 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8743% | 3,677 |
| Cost of funding earning assets | 0.6457% | 1,078 |
| Net interest margin | 3.2286% | 4,405 |
| Noninterest income to average assets | 1.1242% | 907 |
| Noninterest expense to average assets | 2.5850% | 3,715 |
| Loan and lease loss provision to assets | 0.1336% | 1,757 |
| Net operating income to assets | 1.4580% | 958 |
| Return on assets (ROA) | 1.5598% | 826 |
| Pretax return on assets | 1.6292% | 1,303 |
| Return on Equity (ROE) | 14.0679% | 813 |
| Retained earnings to average equity (ytd only) | 8.0985% | 1,137 |
| Net charge-offs to loans | 0.0298% | 3,060 |
| Credit loss provision to net charge-offs | 750.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 92.9861% | 696 |
| Efficiency ratio | 59.9538% | 4,549 |
| Assets per employee ($millions) | 4.9941% | 2,374 |
| Cash dividends to net income (ytd only)* | 42.4328% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 1,456 |
| Loan loss allowance to noncurrent loans | 85.3985% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.1474% | 1,754 |
| Noncurrent loans to loans | 1.8777% | 1,076 |
| Net loans and leases to total assets | 60.1247% | 3,857 |
| Net loans and leases to deposits | 73.1739% | 3,678 |
| Net loans and leases to core deposits | 89.1396% | 2,656 |
| Total domestic deposits to total assets | 82.1668% | 3,894 |
| Equity capital to assets | 11.3568% | 2,644 |
| Core capital (leverage) ratio | 10.0658% | 3,484 |
| Tier 1 risk-based capital ratio | 17.2744% | 2,141 |
| Total risk-based capital ratio | 18.5300% | 2,098 |
| Memoranda: | ||
| Average total assets | $149,678,000 | 3,547 |
| Average earning assets | $144,537,000 | 3,456 |
| Average equity | $16,595,250 | 3,640 |
| Average total loans | $89,525,750 | 3,605 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 3,807 |
| Cost of funding earning assets | 0.6379% | 1,101 |
| Net interest margin | 3.2020% | 4,534 |
| Noninterest income to average assets | 1.2043% | 776 |
| Noninterest expense to average assets | 2.4982% | 4,033 |
| Loan and lease loss provision to assets | 0.1604% | 1,418 |
| Net operating income to assets | 1.5693% | 776 |
| Return on assets (ROA) | 1.6668% | 659 |
| Pretax return on assets | 1.7403% | 1,002 |
| Return on Equity (ROE) | 15.1562% | 654 |
| Retained earnings to average equity (ytd only) | 9.1399% | 812 |
| Net charge-offs to loans | 0.0540% | 2,430 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 56.0833% | 919 |
| Efficiency ratio | 57.1695% | 5,005 |
| Assets per employee ($millions) | 5.2200% | 2,066 |
| Cash dividends to net income (ytd only)* | 39.6953% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 1,678 |
| Loan loss allowance to noncurrent loans | 140.0391% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6764% | 2,968 |
| Noncurrent loans to loans | 1.1062% | 2,081 |
| Net loans and leases to total assets | 60.2002% | 3,860 |
| Net loans and leases to deposits | 72.9258% | 3,707 |
| Net loans and leases to core deposits | 87.7635% | 2,749 |
| Total domestic deposits to total assets | 82.5499% | 3,813 |
| Equity capital to assets | 11.3760% | 2,672 |
| Core capital (leverage) ratio | 10.0794% | 3,477 |
| Tier 1 risk-based capital ratio | 16.5272% | 2,414 |
| Total risk-based capital ratio | 17.7817% | 2,361 |
| Memoranda: | ||
| Average total assets | $149,630,000 | 3,567 |
| Average earning assets | $144,535,330 | 3,472 |
| Average equity | $16,455,330 | 3,670 |
| Average total loans | $88,851,670 | 3,636 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9240% | 3,486 |
| Cost of funding earning assets | 0.6461% | 1,079 |
| Net interest margin | 3.2779% | 4,305 |
| Noninterest income to average assets | 1.1778% | 792 |
| Noninterest expense to average assets | 2.5734% | 3,831 |
| Loan and lease loss provision to assets | 0.0807% | 2,340 |
| Net operating income to assets | 1.6040% | 694 |
| Return on assets (ROA) | 1.7021% | 613 |
| Pretax return on assets | 1.7774% | 881 |
| Return on Equity (ROE) | 15.7536% | 565 |
| Retained earnings to average equity (ytd only) | 9.5567% | 964 |
| Net charge-offs to loans | 0.0046% | 2,962 |
| Credit loss provision to net charge-offs | 3,000.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 653.0000% | 74 |
| Efficiency ratio | 58.4472% | 4,948 |
| Assets per employee ($millions) | 4.8753% | 2,487 |
| Cash dividends to net income (ytd only)* | 39.3365% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 1,786 |
| Loan loss allowance to noncurrent loans | 4,271.8750% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 5,555 |
| Noncurrent loans to loans | 0.0363% | 5,348 |
| Net loans and leases to total assets | 59.3691% | 3,866 |
| Net loans and leases to deposits | 71.4185% | 3,704 |
| Net loans and leases to core deposits | 88.1856% | 2,546 |
| Total domestic deposits to total assets | 83.1284% | 3,852 |
| Equity capital to assets | 11.1242% | 2,804 |
| Core capital (leverage) ratio | 9.8901% | 3,674 |
| Tier 1 risk-based capital ratio | 16.1366% | 2,616 |
| Total risk-based capital ratio | 17.3907% | 2,566 |
| Memoranda: | ||
| Average total assets | $148,755,000 | 3,599 |
| Average earning assets | $143,017,000 | 3,509 |
| Average equity | $16,072,500 | 3,723 |
| Average total loans | $86,995,000 | 3,680 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7228% | 4,302 |
| Cost of funding earning assets | 0.5621% | 1,659 |
| Net interest margin | 3.1608% | 4,751 |
| Noninterest income to average assets | 1.0054% | 1,170 |
| Noninterest expense to average assets | 2.5755% | 4,006 |
| Loan and lease loss provision to assets | 0.0797% | 2,687 |
| Net operating income to assets | 1.3255% | 1,212 |
| Return on assets (ROA) | 1.3702% | 1,148 |
| Pretax return on assets | 1.4346% | 1,769 |
| Return on Equity (ROE) | 13.5316% | 942 |
| Retained earnings to average equity (ytd only) | 7.0349% | 1,267 |
| Net charge-offs to loans | 0.0036% | 4,333 |
| Credit loss provision to net charge-offs | 4,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 736.3333% | 84 |
| Efficiency ratio | 62.6787% | 4,499 |
| Assets per employee ($millions) | 5.0417% | 2,322 |
| Cash dividends to net income (ytd only)* | 48.0116% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,761 |
| Loan loss allowance to noncurrent loans | 3,822.8571% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 5,600 |
| Noncurrent loans to loans | 0.0408% | 5,357 |
| Net loans and leases to total assets | 55.8360% | 4,308 |
| Net loans and leases to deposits | 66.3464% | 4,288 |
| Net loans and leases to core deposits | 80.4613% | 3,297 |
| Total domestic deposits to total assets | 84.1582% | 3,419 |
| Equity capital to assets | 10.4957% | 3,371 |
| Core capital (leverage) ratio | 9.5509% | 4,099 |
| Tier 1 risk-based capital ratio | 15.8014% | 2,781 |
| Total risk-based capital ratio | 17.0544% | 2,716 |
| Memoranda: | ||
| Average total assets | $150,492,600 | 3,564 |
| Average earning assets | $144,648,200 | 3,478 |
| Average equity | $15,238,400 | 3,796 |
| Average total loans | $84,100,400 | 3,722 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7315% | 4,324 |
| Cost of funding earning assets | 0.5515% | 1,791 |
| Net interest margin | 3.1800% | 4,737 |
| Noninterest income to average assets | 1.0423% | 1,101 |
| Noninterest expense to average assets | 2.4687% | 4,288 |
| Loan and lease loss provision to assets | 0.0798% | 2,575 |
| Net operating income to assets | 1.4876% | 938 |
| Return on assets (ROA) | 1.5506% | 889 |
| Pretax return on assets | 1.6234% | 1,320 |
| Return on Equity (ROE) | 15.4557% | 670 |
| Retained earnings to average equity (ytd only) | 8.8862% | 943 |
| Net charge-offs to loans | 0.0175% | 3,597 |
| Credit loss provision to net charge-offs | 818.1818% | 434 |
| Earnings coverage of net charge-offs (x) | 167.7757% | 426 |
| Efficiency ratio | 59.1056% | 4,993 |
| Assets per employee ($millions) | 4.9373% | 2,374 |
| Cash dividends to net income (ytd only)* | 42.5056% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 2,056 |
| Loan loss allowance to noncurrent loans | 43,333.3333% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,818 |
| Noncurrent loans to loans | 0.0035% | 5,649 |
| Net loans and leases to total assets | 56.7493% | 4,272 |
| Net loans and leases to deposits | 68.2963% | 4,161 |
| Net loans and leases to core deposits | 78.3631% | 3,575 |
| Total domestic deposits to total assets | 83.0928% | 3,784 |
| Equity capital to assets | 10.4388% | 3,661 |
| Core capital (leverage) ratio | 9.5242% | 4,270 |
| Tier 1 risk-based capital ratio | 15.6083% | 2,994 |
| Total risk-based capital ratio | 16.8612% | 2,921 |
| Memoranda: | ||
| Average total assets | $150,302,750 | 3,596 |
| Average earning assets | $144,817,750 | 3,507 |
| Average equity | $15,079,250 | 3,863 |
| Average total loans | $83,677,750 | 3,763 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7145% | 4,366 |
| Cost of funding earning assets | 0.5464% | 1,852 |
| Net interest margin | 3.1681% | 4,760 |
| Noninterest income to average assets | 1.0448% | 1,086 |
| Noninterest expense to average assets | 2.4220% | 4,481 |
| Loan and lease loss provision to assets | 0.0795% | 2,524 |
| Net operating income to assets | 1.5202% | 865 |
| Return on assets (ROA) | 1.5507% | 859 |
| Pretax return on assets | 1.6235% | 1,271 |
| Return on Equity (ROE) | 15.6638% | 646 |
| Retained earnings to average equity (ytd only) | 9.0425% | 911 |
| Net charge-offs to loans | 0.0241% | 3,190 |
| Credit loss provision to net charge-offs | 600.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 126.2000% | 501 |
| Efficiency ratio | 58.1689% | 5,202 |
| Assets per employee ($millions) | 4.9496% | 2,339 |
| Cash dividends to net income (ytd only)* | 42.2716% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 2,100 |
| Loan loss allowance to noncurrent loans | 42,366.6667% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,914 |
| Noncurrent loans to loans | 0.0036% | 5,764 |
| Net loans and leases to total assets | 54.6129% | 4,489 |
| Net loans and leases to deposits | 64.6984% | 4,469 |
| Net loans and leases to core deposits | 73.4864% | 4,000 |
| Total domestic deposits to total assets | 84.4114% | 3,395 |
| Equity capital to assets | 9.9187% | 4,129 |
| Core capital (leverage) ratio | 9.3532% | 4,484 |
| Tier 1 risk-based capital ratio | 15.6813% | 3,003 |
| Total risk-based capital ratio | 16.9344% | 2,958 |
| Memoranda: | ||
| Average total assets | $151,030,330 | 3,616 |
| Average earning assets | $145,323,330 | 3,523 |
| Average equity | $14,951,670 | 3,898 |
| Average total loans | $83,118,000 | 3,798 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6467% | 4,541 |
| Cost of funding earning assets | 0.5345% | 1,975 |
| Net interest margin | 3.1122% | 4,911 |
| Noninterest income to average assets | 1.0768% | 973 |
| Noninterest expense to average assets | 2.4635% | 4,394 |
| Loan and lease loss provision to assets | 0.0788% | 2,379 |
| Net operating income to assets | 1.4778% | 884 |
| Return on assets (ROA) | 1.4576% | 987 |
| Pretax return on assets | 1.5259% | 1,476 |
| Return on Equity (ROE) | 14.7376% | 748 |
| Retained earnings to average equity (ytd only) | 8.1787% | 1,501 |
| Net charge-offs to loans | 0.0335% | 2,530 |
| Credit loss provision to net charge-offs | 428.5714% | 618 |
| Earnings coverage of net charge-offs (x) | 88.4286% | 543 |
| Efficiency ratio | 59.2164% | 5,193 |
| Assets per employee ($millions) | 5.0092% | 2,346 |
| Cash dividends to net income (ytd only)* | 44.5045% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 2,598 |
| Loan loss allowance to noncurrent loans | 31,100.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,963 |
| Noncurrent loans to loans | 0.0047% | 5,800 |
| Net loans and leases to total assets | 55.7062% | 4,234 |
| Net loans and leases to deposits | 64.6852% | 4,296 |
| Net loans and leases to core deposits | 75.0863% | 3,678 |
| Total domestic deposits to total assets | 86.1189% | 2,876 |
| Equity capital to assets | 10.1972% | 3,886 |
| Core capital (leverage) ratio | 8.8812% | 5,097 |
| Tier 1 risk-based capital ratio | 14.9832% | 3,444 |
| Total risk-based capital ratio | 16.2369% | 3,370 |
| Memoranda: | ||
| Average total assets | $152,302,000 | 3,618 |
| Average earning assets | $147,419,500 | 3,513 |
| Average equity | $15,063,500 | 3,901 |
| Average total loans | $83,495,000 | 3,809 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5766% | 5,144 |
| Cost of funding earning assets | 0.5698% | 2,047 |
| Net interest margin | 3.0068% | 5,436 |
| Noninterest income to average assets | 1.1607% | 894 |
| Noninterest expense to average assets | 2.5738% | 4,312 |
| Loan and lease loss provision to assets | 0.1248% | 2,098 |
| Net operating income to assets | 1.2850% | 1,337 |
| Return on assets (ROA) | 1.2245% | 1,567 |
| Pretax return on assets | 1.2820% | 2,303 |
| Return on Equity (ROE) | 12.6793% | 1,213 |
| Retained earnings to average equity (ytd only) | 2.8432% | 4,211 |
| Net charge-offs to loans | 0.0212% | 4,418 |
| Credit loss provision to net charge-offs | 1,058.8235% | 261 |
| Earnings coverage of net charge-offs (x) | 124.7059% | 425 |
| Efficiency ratio | 62.5857% | 4,816 |
| Assets per employee ($millions) | 4.9783% | 2,349 |
| Cash dividends to net income (ytd only)* | 77.5764% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 2,531 |
| Loan loss allowance to noncurrent loans | 126.5285% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 3,710 |
| Noncurrent loans to loans | 1.1764% | 2,483 |
| Net loans and leases to total assets | 52.3638% | 4,753 |
| Net loans and leases to deposits | 60.3931% | 4,871 |
| Net loans and leases to core deposits | 68.2470% | 4,476 |
| Total domestic deposits to total assets | 86.7049% | 2,447 |
| Equity capital to assets | 9.5919% | 4,601 |
| Core capital (leverage) ratio | 9.0809% | 4,851 |
| Tier 1 risk-based capital ratio | 14.7233% | 3,646 |
| Total risk-based capital ratio | 15.9751% | 3,576 |
| Memoranda: | ||
| Average total assets | $144,225,000 | 3,722 |
| Average earning assets | $138,286,200 | 3,625 |
| Average equity | $13,928,200 | 4,039 |
| Average total loans | $80,364,600 | 3,867 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5955% | 5,151 |
| Cost of funding earning assets | 0.5781% | 2,032 |
| Net interest margin | 3.0174% | 5,468 |
| Noninterest income to average assets | 1.2298% | 805 |
| Noninterest expense to average assets | 2.6280% | 4,100 |
| Loan and lease loss provision to assets | 0.1317% | 1,905 |
| Net operating income to assets | 1.2962% | 1,381 |
| Return on assets (ROA) | 1.2166% | 1,688 |
| Pretax return on assets | 1.2740% | 2,483 |
| Return on Equity (ROE) | 12.5749% | 1,327 |
| Retained earnings to average equity (ytd only) | 2.4605% | 4,825 |
| Net charge-offs to loans | -0.0100% | 5,426 |
| Credit loss provision to net charge-offs | -2,333.3333% | 5,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7514% | 4,772 |
| Assets per employee ($millions) | 4.3590% | 3,196 |
| Cash dividends to net income (ytd only)* | 80.4328% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 2,407 |
| Loan loss allowance to noncurrent loans | 122.3577% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.7054% | 3,706 |
| Noncurrent loans to loans | 1.2855% | 2,493 |
| Net loans and leases to total assets | 54.0136% | 4,574 |
| Net loans and leases to deposits | 63.0565% | 4,631 |
| Net loans and leases to core deposits | 71.5216% | 4,202 |
| Total domestic deposits to total assets | 85.6591% | 3,033 |
| Equity capital to assets | 10.3026% | 3,780 |
| Core capital (leverage) ratio | 9.0508% | 5,000 |
| Tier 1 risk-based capital ratio | 15.3465% | 3,397 |
| Total risk-based capital ratio | 16.5994% | 3,331 |
| Memoranda: | ||
| Average total assets | $141,699,250 | 3,792 |
| Average earning assets | $135,609,750 | 3,695 |
| Average equity | $13,709,500 | 4,095 |
| Average total loans | $79,947,500 | 3,903 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5950% | 5,166 |
| Cost of funding earning assets | 0.5648% | 2,211 |
| Net interest margin | 3.0303% | 5,447 |
| Noninterest income to average assets | 1.2427% | 759 |
| Noninterest expense to average assets | 2.5682% | 4,357 |
| Loan and lease loss provision to assets | 0.1123% | 2,153 |
| Net operating income to assets | 1.3867% | 1,094 |
| Return on assets (ROA) | 1.2370% | 1,549 |
| Pretax return on assets | 1.2918% | 2,282 |
| Return on Equity (ROE) | 13.0625% | 1,159 |
| Retained earnings to average equity (ytd only) | 2.5354% | 4,584 |
| Net charge-offs to loans | -0.0074% | 5,254 |
| Credit loss provision to net charge-offs | -2,666.6667% | 5,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1565% | 5,122 |
| Assets per employee ($millions) | 4.5046% | 2,912 |
| Cash dividends to net income (ytd only)* | 80.5902% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 3,424 |
| Loan loss allowance to noncurrent loans | 60.1476% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 1.3160% | 2,480 |
| Noncurrent loans to loans | 2.3042% | 1,408 |
| Net loans and leases to total assets | 56.3224% | 4,239 |
| Net loans and leases to deposits | 64.9694% | 4,382 |
| Net loans and leases to core deposits | 73.5843% | 3,883 |
| Total domestic deposits to total assets | 86.6907% | 2,640 |
| Equity capital to assets | 9.7213% | 4,460 |
| Core capital (leverage) ratio | 8.9707% | 5,062 |
| Tier 1 risk-based capital ratio | 14.9066% | 3,686 |
| Total risk-based capital ratio | 16.1586% | 3,629 |
| Memoranda: | ||
| Average total assets | $142,436,000 | 3,810 |
| Average earning assets | $135,631,000 | 3,717 |
| Average equity | $13,489,000 | 4,135 |
| Average total loans | $81,081,000 | 3,881 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6499% | 5,004 |
| Cost of funding earning assets | 0.5494% | 2,424 |
| Net interest margin | 3.1005% | 5,247 |
| Noninterest income to average assets | 1.4381% | 565 |
| Noninterest expense to average assets | 2.6275% | 4,190 |
| Loan and lease loss provision to assets | 0.1017% | 2,225 |
| Net operating income to assets | 1.5826% | 686 |
| Return on assets (ROA) | 1.5906% | 707 |
| Pretax return on assets | 1.6669% | 1,038 |
| Return on Equity (ROE) | 17.0258% | 532 |
| Retained earnings to average equity (ytd only) | 5.5341% | 2,772 |
| Net charge-offs to loans | -0.0050% | 4,817 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8538% | 5,560 |
| Assets per employee ($millions) | 4.4223% | 3,105 |
| Cash dividends to net income (ytd only)* | 67.4956% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 3,833 |
| Loan loss allowance to noncurrent loans | 1,244.3182% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 6,088 |
| Noncurrent loans to loans | 0.1088% | 5,799 |
| Net loans and leases to total assets | 56.3804% | 4,098 |
| Net loans and leases to deposits | 64.3407% | 4,281 |
| Net loans and leases to core deposits | 72.3542% | 3,837 |
| Total domestic deposits to total assets | 87.6279% | 2,440 |
| Equity capital to assets | 9.6091% | 4,342 |
| Core capital (leverage) ratio | 9.0458% | 4,941 |
| Tier 1 risk-based capital ratio | 15.2348% | 3,588 |
| Total risk-based capital ratio | 16.4860% | 3,542 |
| Memoranda: | ||
| Average total assets | $141,580,500 | 3,857 |
| Average earning assets | $134,690,000 | 3,751 |
| Average equity | $13,227,000 | 4,197 |
| Average total loans | $80,457,500 | 3,919 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7378% | 5,012 |
| Cost of funding earning assets | 0.5962% | 2,700 |
| Net interest margin | 3.1417% | 5,190 |
| Noninterest income to average assets | 1.2089% | 962 |
| Noninterest expense to average assets | 2.7069% | 4,071 |
| Loan and lease loss provision to assets | 0.0409% | 4,301 |
| Net operating income to assets | 1.3755% | 1,074 |
| Return on assets (ROA) | 1.3782% | 1,110 |
| Pretax return on assets | 1.4507% | 1,612 |
| Return on Equity (ROE) | 14.2783% | 891 |
| Retained earnings to average equity (ytd only) | 4.0954% | 3,268 |
| Net charge-offs to loans | -0.0051% | 5,935 |
| Credit loss provision to net charge-offs | -1,425.0000% | 6,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2606% | 5,166 |
| Assets per employee ($millions) | 4.2924% | 3,285 |
| Cash dividends to net income (ytd only)* | 71.3170% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 4,031 |
| Loan loss allowance to noncurrent loans | 138.3007% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 4,610 |
| Noncurrent loans to loans | 0.9558% | 3,603 |
| Net loans and leases to total assets | 55.7554% | 4,352 |
| Net loans and leases to deposits | 62.7050% | 4,649 |
| Net loans and leases to core deposits | 70.6495% | 4,229 |
| Total domestic deposits to total assets | 88.9170% | 1,685 |
| Equity capital to assets | 9.0760% | 4,947 |
| Core capital (leverage) ratio | 9.0563% | 4,920 |
| Tier 1 risk-based capital ratio | 14.7678% | 3,808 |
| Total risk-based capital ratio | 16.0187% | 3,745 |
| Memoranda: | ||
| Average total assets | $139,383,000 | 3,884 |
| Average earning assets | $132,509,800 | 3,787 |
| Average equity | $13,454,000 | 4,173 |
| Average total loans | $77,851,400 | 4,004 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 5,052 |
| Cost of funding earning assets | 0.6030% | 2,783 |
| Net interest margin | 3.1403% | 5,196 |
| Noninterest income to average assets | 1.2842% | 894 |
| Noninterest expense to average assets | 2.6259% | 4,297 |
| Loan and lease loss provision to assets | 0.0115% | 4,770 |
| Net operating income to assets | 1.5557% | 818 |
| Return on assets (ROA) | 1.5694% | 844 |
| Pretax return on assets | 1.6520% | 1,207 |
| Return on Equity (ROE) | 16.0151% | 648 |
| Retained earnings to average equity (ytd only) | 5.0084% | 3,077 |
| Net charge-offs to loans | -0.0431% | 6,266 |
| Credit loss provision to net charge-offs | -48.0000% | 5,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7958% | 5,584 |
| Assets per employee ($millions) | 4.0798% | 3,677 |
| Cash dividends to net income (ytd only)* | 68.7273% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 4,266 |
| Loan loss allowance to noncurrent loans | 118.8506% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 4,496 |
| Noncurrent loans to loans | 1.1154% | 3,570 |
| Net loans and leases to total assets | 57.1658% | 4,147 |
| Net loans and leases to deposits | 66.4284% | 4,253 |
| Net loans and leases to core deposits | 73.6554% | 3,890 |
| Total domestic deposits to total assets | 86.0562% | 3,221 |
| Equity capital to assets | 9.5615% | 4,470 |
| Core capital (leverage) ratio | 9.1725% | 4,875 |
| Tier 1 risk-based capital ratio | 15.2436% | 3,595 |
| Total risk-based capital ratio | 16.4940% | 3,549 |
| Memoranda: | ||
| Average total assets | $138,816,500 | 3,940 |
| Average earning assets | $132,215,500 | 3,833 |
| Average equity | $13,603,500 | 4,194 |
| Average total loans | $77,305,500 | 4,049 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7166% | 5,095 |
| Cost of funding earning assets | 0.6084% | 2,867 |
| Net interest margin | 3.1081% | 5,247 |
| Noninterest income to average assets | 1.3836% | 819 |
| Noninterest expense to average assets | 2.5961% | 4,402 |
| Loan and lease loss provision to assets | 0.0086% | 4,686 |
| Net operating income to assets | 1.6507% | 682 |
| Return on assets (ROA) | 1.7645% | 595 |
| Pretax return on assets | 1.8572% | 808 |
| Return on Equity (ROE) | 17.8667% | 466 |
| Retained earnings to average equity (ytd only) | 5.2286% | 2,904 |
| Net charge-offs to loans | -0.0441% | 6,220 |
| Credit loss provision to net charge-offs | -35.2941% | 5,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4717% | 5,904 |
| Assets per employee ($millions) | 4.1119% | 3,555 |
| Cash dividends to net income (ytd only)* | 70.7357% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 4,400 |
| Loan loss allowance to noncurrent loans | 121.8638% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 4,691 |
| Noncurrent loans to loans | 1.0834% | 3,765 |
| Net loans and leases to total assets | 56.1820% | 4,252 |
| Net loans and leases to deposits | 63.0000% | 4,625 |
| Net loans and leases to core deposits | 68.1217% | 4,482 |
| Total domestic deposits to total assets | 89.1778% | 1,521 |
| Equity capital to assets | 9.7020% | 4,311 |
| Core capital (leverage) ratio | 9.0360% | 4,927 |
| Tier 1 risk-based capital ratio | 15.0875% | 3,720 |
| Total risk-based capital ratio | 16.3379% | 3,682 |
| Memoranda: | ||
| Average total assets | $140,211,000 | 3,946 |
| Average earning assets | $133,455,670 | 3,831 |
| Average equity | $13,847,000 | 4,177 |
| Average total loans | $77,074,670 | 4,069 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7056% | 5,138 |
| Cost of funding earning assets | 0.6294% | 2,851 |
| Net interest margin | 3.0761% | 5,345 |
| Noninterest income to average assets | 1.3785% | 812 |
| Noninterest expense to average assets | 2.5184% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6950% | 592 |
| Return on assets (ROA) | 1.7323% | 597 |
| Pretax return on assets | 1.8221% | 849 |
| Return on Equity (ROE) | 17.3950% | 480 |
| Retained earnings to average equity (ytd only) | -0.3101% | 5,835 |
| Net charge-offs to loans | -0.1195% | 6,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5065% | 5,902 |
| Assets per employee ($millions) | 4.5271% | 2,921 |
| Cash dividends to net income (ytd only)* | 101.7828% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 4,530 |
| Loan loss allowance to noncurrent loans | 122.4490% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 4,901 |
| Noncurrent loans to loans | 1.0917% | 3,962 |
| Net loans and leases to total assets | 53.6423% | 4,472 |
| Net loans and leases to deposits | 60.6391% | 4,720 |
| Net loans and leases to core deposits | 65.5250% | 4,589 |
| Total domestic deposits to total assets | 88.4615% | 2,031 |
| Equity capital to assets | 10.0485% | 4,084 |
| Core capital (leverage) ratio | 8.4063% | 5,700 |
| Tier 1 risk-based capital ratio | 14.4590% | 4,209 |
| Total risk-based capital ratio | 15.7098% | 4,171 |
| Memoranda: | ||
| Average total assets | $142,470,000 | 3,939 |
| Average earning assets | $135,364,500 | 3,838 |
| Average equity | $14,188,000 | 4,161 |
| Average total loans | $76,984,500 | 4,101 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9099% | 5,547 |
| Cost of funding earning assets | 0.7912% | 2,737 |
| Net interest margin | 3.1187% | 5,770 |
| Noninterest income to average assets | 1.2298% | 1,027 |
| Noninterest expense to average assets | 2.6688% | 4,512 |
| Loan and lease loss provision to assets | 0.0044% | 5,871 |
| Net operating income to assets | 1.4295% | 1,048 |
| Return on assets (ROA) | 1.4842% | 1,049 |
| Pretax return on assets | 1.5622% | 1,483 |
| Return on Equity (ROE) | 15.2961% | 761 |
| Retained earnings to average equity (ytd only) | 8.7599% | 891 |
| Net charge-offs to loans | -0.0110% | 6,475 |
| Credit loss provision to net charge-offs | -75.0000% | 6,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7988% | 5,116 |
| Assets per employee ($millions) | 4.5188% | 2,924 |
| Cash dividends to net income (ytd only)* | 42.7308% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 4,720 |
| Loan loss allowance to noncurrent loans | 117.8487% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 5,016 |
| Noncurrent loans to loans | 1.0893% | 4,029 |
| Net loans and leases to total assets | 53.0225% | 4,754 |
| Net loans and leases to deposits | 61.3972% | 4,853 |
| Net loans and leases to core deposits | 66.3123% | 4,709 |
| Total domestic deposits to total assets | 86.3597% | 3,170 |
| Equity capital to assets | 9.8713% | 4,350 |
| Core capital (leverage) ratio | 8.0966% | 6,092 |
| Tier 1 risk-based capital ratio | 14.1030% | 4,307 |
| Total risk-based capital ratio | 15.3236% | 4,286 |
| Memoranda: | ||
| Average total assets | $137,177,200 | 4,003 |
| Average earning assets | $129,671,400 | 3,906 |
| Average equity | $13,310,600 | 4,294 |
| Average total loans | $72,904,600 | 4,237 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9623% | 5,630 |
| Cost of funding earning assets | 0.8110% | 2,856 |
| Net interest margin | 3.1513% | 5,819 |
| Noninterest income to average assets | 1.2838% | 897 |
| Noninterest expense to average assets | 2.5952% | 4,759 |
| Loan and lease loss provision to assets | 0.0059% | 5,735 |
| Net operating income to assets | 1.5815% | 887 |
| Return on assets (ROA) | 1.6031% | 935 |
| Pretax return on assets | 1.6878% | 1,300 |
| Return on Equity (ROE) | 16.5977% | 657 |
| Retained earnings to average equity (ytd only) | 7.7225% | 1,742 |
| Net charge-offs to loans | -0.1023% | 6,857 |
| Credit loss provision to net charge-offs | -10.9091% | 6,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7460% | 5,539 |
| Assets per employee ($millions) | 4.4376% | 3,023 |
| Cash dividends to net income (ytd only)* | 53.4726% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 4,116 |
| Loan loss allowance to noncurrent loans | 133.8462% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5670% | 5,254 |
| Noncurrent loans to loans | 1.0901% | 4,258 |
| Net loans and leases to total assets | 51.2550% | 5,149 |
| Net loans and leases to deposits | 58.6314% | 5,361 |
| Net loans and leases to core deposits | 65.4479% | 5,004 |
| Total domestic deposits to total assets | 87.4190% | 2,410 |
| Equity capital to assets | 10.1276% | 4,319 |
| Core capital (leverage) ratio | 8.5813% | 5,647 |
| Tier 1 risk-based capital ratio | 14.4804% | 4,195 |
| Total risk-based capital ratio | 15.7319% | 4,168 |
| Memoranda: | ||
| Average total assets | $135,321,250 | 4,074 |
| Average earning assets | $128,069,250 | 3,977 |
| Average equity | $13,069,750 | 4,383 |
| Average total loans | $71,713,750 | 4,333 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0261% | 5,566 |
| Cost of funding earning assets | 0.8260% | 2,984 |
| Net interest margin | 3.2002% | 5,741 |
| Noninterest income to average assets | 1.4000% | 730 |
| Noninterest expense to average assets | 2.5607% | 4,918 |
| Loan and lease loss provision to assets | 0.0089% | 5,543 |
| Net operating income to assets | 1.7662% | 596 |
| Return on assets (ROA) | 1.7492% | 691 |
| Pretax return on assets | 1.8414% | 959 |
| Return on Equity (ROE) | 18.4160% | 464 |
| Retained earnings to average equity (ytd only) | 4.8035% | 3,410 |
| Net charge-offs to loans | -0.1505% | 6,944 |
| Credit loss provision to net charge-offs | -11.1111% | 5,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7785% | 6,032 |
| Assets per employee ($millions) | 4.3047% | 3,252 |
| Cash dividends to net income (ytd only)* | 73.9167% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 3,960 |
| Loan loss allowance to noncurrent loans | 135.8073% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.6047% | 5,257 |
| Noncurrent loans to loans | 1.1137% | 4,295 |
| Net loans and leases to total assets | 50.8959% | 5,240 |
| Net loans and leases to deposits | 58.4074% | 5,404 |
| Net loans and leases to core deposits | 65.4578% | 5,059 |
| Total domestic deposits to total assets | 87.1395% | 2,689 |
| Equity capital to assets | 10.0130% | 4,315 |
| Core capital (leverage) ratio | 8.2969% | 5,911 |
| Tier 1 risk-based capital ratio | 14.1396% | 4,348 |
| Total risk-based capital ratio | 15.3917% | 4,315 |
| Memoranda: | ||
| Average total assets | $134,573,330 | 4,105 |
| Average earning assets | $127,368,000 | 4,007 |
| Average equity | $12,782,330 | 4,435 |
| Average total loans | $71,767,330 | 4,361 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0495% | 5,606 |
| Cost of funding earning assets | 0.8557% | 3,022 |
| Net interest margin | 3.1939% | 5,797 |
| Noninterest income to average assets | 1.4681% | 672 |
| Noninterest expense to average assets | 2.4657% | 5,268 |
| Loan and lease loss provision to assets | 0.0178% | 5,109 |
| Net operating income to assets | 1.9006% | 495 |
| Return on assets (ROA) | 1.7937% | 676 |
| Pretax return on assets | 1.8885% | 900 |
| Return on Equity (ROE) | 19.4036% | 418 |
| Retained earnings to average equity (ytd only) | -8.4531% | 6,785 |
| Net charge-offs to loans | -0.2843% | 7,051 |
| Credit loss provision to net charge-offs | -11.5385% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9274% | 6,361 |
| Assets per employee ($millions) | 4.1321% | 3,725 |
| Cash dividends to net income (ytd only)* | 143.5644% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 4,487 |
| Loan loss allowance to noncurrent loans | 135.5469% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 5,334 |
| Noncurrent loans to loans | 1.0524% | 4,593 |
| Net loans and leases to total assets | 54.4008% | 4,655 |
| Net loans and leases to deposits | 62.1250% | 4,898 |
| Net loans and leases to core deposits | 69.6388% | 4,472 |
| Total domestic deposits to total assets | 87.5667% | 2,610 |
| Equity capital to assets | 9.3461% | 5,035 |
| Core capital (leverage) ratio | 7.8394% | 6,386 |
| Tier 1 risk-based capital ratio | 12.9648% | 5,244 |
| Total risk-based capital ratio | 14.2164% | 5,211 |
| Memoranda: | ||
| Average total assets | $135,136,500 | 4,125 |
| Average earning assets | $127,620,000 | 4,024 |
| Average equity | $12,492,500 | 4,509 |
| Average total loans | $73,170,000 | 4,341 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 5,757 |
| Cost of funding earning assets | 1.0378% | 3,105 |
| Net interest margin | 3.2649% | 5,919 |
| Noninterest income to average assets | 1.2065% | 910 |
| Noninterest expense to average assets | 2.7957% | 4,364 |
| Loan and lease loss provision to assets | 0.0326% | 6,157 |
| Net operating income to assets | 1.4151% | 996 |
| Return on assets (ROA) | 1.4836% | 933 |
| Pretax return on assets | 1.5621% | 1,302 |
| Return on Equity (ROE) | 16.8000% | 495 |
| Retained earnings to average equity (ytd only) | 8.2989% | 986 |
| Net charge-offs to loans | 0.3086% | 3,856 |
| Credit loss provision to net charge-offs | 20.0000% | 5,919 |
| Earnings coverage of net charge-offs (x) | 9.3381% | 1,999 |
| Efficiency ratio | 63.6102% | 5,193 |
| Assets per employee ($millions) | 4.4531% | 2,986 |
| Cash dividends to net income (ytd only)* | 50.6018% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 4,714 |
| Loan loss allowance to noncurrent loans | 126.5122% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.6049% | 5,451 |
| Noncurrent loans to loans | 1.0591% | 4,589 |
| Net loans and leases to total assets | 52.4343% | 5,246 |
| Net loans and leases to deposits | 62.1365% | 5,222 |
| Net loans and leases to core deposits | 69.7670% | 4,810 |
| Total domestic deposits to total assets | 84.3858% | 4,147 |
| Equity capital to assets | 9.1469% | 5,360 |
| Core capital (leverage) ratio | 7.9087% | 6,350 |
| Tier 1 risk-based capital ratio | 12.7686% | 5,263 |
| Total risk-based capital ratio | 13.9844% | 5,257 |
| Memoranda: | ||
| Average total assets | $128,804,600 | 4,196 |
| Average earning assets | $122,760,200 | 4,075 |
| Average equity | $11,375,000 | 4,689 |
| Average total loans | $68,056,400 | 4,556 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 5,803 |
| Cost of funding earning assets | 1.0797% | 3,110 |
| Net interest margin | 3.2623% | 5,979 |
| Noninterest income to average assets | 1.2290% | 869 |
| Noninterest expense to average assets | 2.7848% | 4,401 |
| Loan and lease loss provision to assets | 0.0116% | 6,288 |
| Net operating income to assets | 1.4763% | 987 |
| Return on assets (ROA) | 1.5695% | 893 |
| Pretax return on assets | 1.6517% | 1,253 |
| Return on Equity (ROE) | 17.9468% | 463 |
| Retained earnings to average equity (ytd only) | 7.4608% | 1,729 |
| Net charge-offs to loans | 0.3317% | 3,434 |
| Credit loss provision to net charge-offs | 6.6265% | 5,692 |
| Earnings coverage of net charge-offs (x) | 8.9457% | 2,107 |
| Efficiency ratio | 62.8544% | 5,266 |
| Assets per employee ($millions) | 4.1474% | 3,547 |
| Cash dividends to net income (ytd only)* | 58.4285% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 4,526 |
| Loan loss allowance to noncurrent loans | 119.8556% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 5,411 |
| Noncurrent loans to loans | 1.1744% | 4,582 |
| Net loans and leases to total assets | 54.2623% | 5,132 |
| Net loans and leases to deposits | 63.0981% | 5,281 |
| Net loans and leases to core deposits | 69.5314% | 5,001 |
| Total domestic deposits to total assets | 85.9967% | 3,213 |
| Equity capital to assets | 9.6298% | 4,891 |
| Core capital (leverage) ratio | 8.0940% | 6,291 |
| Tier 1 risk-based capital ratio | 12.4361% | 5,547 |
| Total risk-based capital ratio | 13.6753% | 5,543 |
| Memoranda: | ||
| Average total assets | $126,494,000 | 4,262 |
| Average earning assets | $121,014,500 | 4,130 |
| Average equity | $11,062,000 | 4,791 |
| Average total loans | $66,728,750 | 4,641 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 5,843 |
| Cost of funding earning assets | 1.0904% | 3,314 |
| Net interest margin | 3.2613% | 5,968 |
| Noninterest income to average assets | 1.3020% | 742 |
| Noninterest expense to average assets | 2.8346% | 4,293 |
| Loan and lease loss provision to assets | 0.0175% | 6,063 |
| Net operating income to assets | 1.5048% | 880 |
| Return on assets (ROA) | 1.5214% | 903 |
| Pretax return on assets | 1.6009% | 1,256 |
| Return on Equity (ROE) | 18.0186% | 464 |
| Retained earnings to average equity (ytd only) | 1.6381% | 5,174 |
| Net charge-offs to loans | 0.2355% | 3,711 |
| Credit loss provision to net charge-offs | 14.2857% | 5,202 |
| Earnings coverage of net charge-offs (x) | 13.0779% | 1,577 |
| Efficiency ratio | 62.7599% | 5,443 |
| Assets per employee ($millions) | 3.9692% | 3,827 |
| Cash dividends to net income (ytd only)* | 90.9091% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 3,412 |
| Loan loss allowance to noncurrent loans | 120.9588% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 5,495 |
| Noncurrent loans to loans | 1.3830% | 4,337 |
| Net loans and leases to total assets | 50.2102% | 5,797 |
| Net loans and leases to deposits | 58.2555% | 5,910 |
| Net loans and leases to core deposits | 64.4657% | 5,678 |
| Total domestic deposits to total assets | 86.1897% | 3,221 |
| Equity capital to assets | 8.9108% | 5,699 |
| Core capital (leverage) ratio | 7.8354% | 6,475 |
| Tier 1 risk-based capital ratio | 12.0858% | 5,718 |
| Total risk-based capital ratio | 13.3378% | 5,685 |
| Memoranda: | ||
| Average total assets | $125,802,000 | 4,306 |
| Average earning assets | $120,873,330 | 4,171 |
| Average equity | $10,622,330 | 4,891 |
| Average total loans | $65,384,670 | 4,745 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 5,623 |
| Cost of funding earning assets | 1.1014% | 3,509 |
| Net interest margin | 3.3174% | 5,715 |
| Noninterest income to average assets | 1.4122% | 647 |
| Noninterest expense to average assets | 2.8627% | 4,224 |
| Loan and lease loss provision to assets | 0.0351% | 5,538 |
| Net operating income to assets | 1.6263% | 655 |
| Return on assets (ROA) | 1.6263% | 693 |
| Pretax return on assets | 1.7093% | 967 |
| Return on Equity (ROE) | 19.8160% | 337 |
| Retained earnings to average equity (ytd only) | -14.0542% | 7,016 |
| Net charge-offs to loans | 0.0244% | 4,745 |
| Credit loss provision to net charge-offs | 275.0000% | 1,149 |
| Earnings coverage of net charge-offs (x) | 136.5000% | 232 |
| Efficiency ratio | 61.0264% | 5,828 |
| Assets per employee ($millions) | 4.0063% | 3,826 |
| Cash dividends to net income (ytd only)* | 170.9234% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7604% | 3,132 |
| Loan loss allowance to noncurrent loans | 833.0935% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 6,844 |
| Noncurrent loans to loans | 0.2113% | 6,549 |
| Net loans and leases to total assets | 52.0323% | 5,580 |
| Net loans and leases to deposits | 58.7416% | 5,854 |
| Net loans and leases to core deposits | 65.6264% | 5,553 |
| Total domestic deposits to total assets | 88.5784% | 2,028 |
| Equity capital to assets | 8.1622% | 6,327 |
| Core capital (leverage) ratio | 7.3155% | 6,847 |
| Tier 1 risk-based capital ratio | 11.5284% | 6,080 |
| Total risk-based capital ratio | 12.7812% | 6,060 |
| Memoranda: | ||
| Average total assets | $125,196,000 | 4,355 |
| Average earning assets | $120,576,000 | 4,206 |
| Average equity | $10,274,500 | 4,970 |
| Average total loans | $65,647,500 | 4,784 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 5,611 |
| Cost of funding earning assets | 1.3618% | 3,504 |
| Net interest margin | 3.3901% | 5,672 |
| Noninterest income to average assets | 1.2499% | 951 |
| Noninterest expense to average assets | 2.9664% | 3,976 |
| Loan and lease loss provision to assets | 0.0917% | 6,226 |
| Net operating income to assets | 1.3548% | 1,034 |
| Return on assets (ROA) | 1.3691% | 1,085 |
| Pretax return on assets | 1.4407% | 1,539 |
| Return on Equity (ROE) | 16.0099% | 581 |
| Retained earnings to average equity (ytd only) | 10.5239% | 437 |
| Net charge-offs to loans | 0.0165% | 6,654 |
| Credit loss provision to net charge-offs | 1,000.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 165.5455% | 152 |
| Efficiency ratio | 64.9879% | 5,166 |
| Assets per employee ($millions) | 4.2066% | 3,372 |
| Cash dividends to net income (ytd only)* | 34.2666% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 3,003 |
| Loan loss allowance to noncurrent loans | 1,000.8696% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 6,964 |
| Noncurrent loans to loans | 0.1755% | 6,714 |
| Net loans and leases to total assets | 51.0032% | 6,045 |
| Net loans and leases to deposits | 58.5706% | 6,204 |
| Net loans and leases to core deposits | 65.4435% | 5,932 |
| Total domestic deposits to total assets | 87.0798% | 2,776 |
| Equity capital to assets | 8.2505% | 6,202 |
| Core capital (leverage) ratio | 7.5489% | 6,660 |
| Tier 1 risk-based capital ratio | 12.2128% | 5,286 |
| Total risk-based capital ratio | 13.4657% | 5,251 |
| Memoranda: | ||
| Average total assets | $120,010,000 | 4,483 |
| Average earning assets | $114,479,600 | 4,360 |
| Average equity | $10,262,400 | 5,056 |
| Average total loans | $66,630,200 | 4,804 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 5,508 |
| Cost of funding earning assets | 1.3924% | 3,622 |
| Net interest margin | 3.4491% | 5,496 |
| Noninterest income to average assets | 1.3281% | 773 |
| Noninterest expense to average assets | 2.9488% | 3,927 |
| Loan and lease loss provision to assets | 0.0900% | 6,141 |
| Net operating income to assets | 1.4897% | 944 |
| Return on assets (ROA) | 1.5667% | 868 |
| Pretax return on assets | 1.6489% | 1,217 |
| Return on Equity (ROE) | 18.1511% | 472 |
| Retained earnings to average equity (ytd only) | 12.0747% | 452 |
| Net charge-offs to loans | 0.0239% | 6,343 |
| Credit loss provision to net charge-offs | 666.6667% | 441 |
| Earnings coverage of net charge-offs (x) | 122.7469% | 262 |
| Efficiency ratio | 62.8390% | 5,457 |
| Assets per employee ($millions) | 4.0448% | 3,744 |
| Cash dividends to net income (ytd only)* | 33.4772% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 3,400 |
| Loan loss allowance to noncurrent loans | 28,000.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 7,311 |
| Noncurrent loans to loans | 0.0058% | 7,259 |
| Net loans and leases to total assets | 57.5512% | 5,330 |
| Net loans and leases to deposits | 67.8394% | 5,442 |
| Net loans and leases to core deposits | 76.0659% | 5,048 |
| Total domestic deposits to total assets | 84.8345% | 3,705 |
| Equity capital to assets | 9.5338% | 4,790 |
| Core capital (leverage) ratio | 7.7767% | 6,594 |
| Tier 1 risk-based capital ratio | 11.7138% | 5,721 |
| Total risk-based capital ratio | 12.9655% | 5,688 |
| Memoranda: | ||
| Average total assets | $118,463,000 | 4,568 |
| Average earning assets | $112,604,750 | 4,470 |
| Average equity | $10,225,000 | 5,130 |
| Average total loans | $66,908,750 | 4,869 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8342% | 5,669 |
| Cost of funding earning assets | 1.3787% | 4,009 |
| Net interest margin | 3.4555% | 5,426 |
| Noninterest income to average assets | 1.3580% | 683 |
| Noninterest expense to average assets | 2.8876% | 4,121 |
| Loan and lease loss provision to assets | 0.0841% | 6,084 |
| Net operating income to assets | 1.5848% | 750 |
| Return on assets (ROA) | 1.6424% | 706 |
| Pretax return on assets | 1.7282% | 1,006 |
| Return on Equity (ROE) | 19.7059% | 344 |
| Retained earnings to average equity (ytd only) | 12.6594% | 419 |
| Net charge-offs to loans | 0.0301% | 5,920 |
| Credit loss provision to net charge-offs | 500.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 104.1000% | 313 |
| Efficiency ratio | 61.0809% | 5,836 |
| Assets per employee ($millions) | 3.8456% | 4,113 |
| Cash dividends to net income (ytd only)* | 35.7582% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 3,433 |
| Loan loss allowance to noncurrent loans | 336.0000% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 6,690 |
| Noncurrent loans to loans | 0.4771% | 6,298 |
| Net loans and leases to total assets | 56.2287% | 5,669 |
| Net loans and leases to deposits | 66.0202% | 5,801 |
| Net loans and leases to core deposits | 74.0475% | 5,440 |
| Total domestic deposits to total assets | 85.1688% | 3,537 |
| Equity capital to assets | 8.8663% | 5,650 |
| Core capital (leverage) ratio | 7.7948% | 6,504 |
| Tier 1 risk-based capital ratio | 11.6931% | 5,591 |
| Total risk-based capital ratio | 12.9422% | 5,552 |
| Memoranda: | ||
| Average total assets | $118,851,000 | 4,599 |
| Average earning assets | $112,863,000 | 4,484 |
| Average equity | $9,905,670 | 5,230 |
| Average total loans | $66,336,000 | 4,927 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8317% | 5,760 |
| Cost of funding earning assets | 1.3658% | 4,389 |
| Net interest margin | 3.4659% | 5,307 |
| Noninterest income to average assets | 1.4326% | 588 |
| Noninterest expense to average assets | 2.8044% | 4,462 |
| Loan and lease loss provision to assets | 0.0674% | 5,961 |
| Net operating income to assets | 1.7615% | 541 |
| Return on assets (ROA) | 1.7359% | 624 |
| Pretax return on assets | 1.8269% | 845 |
| Return on Equity (ROE) | 21.5177% | 299 |
| Retained earnings to average equity (ytd only) | 10.9887% | 925 |
| Net charge-offs to loans | 0.0061% | 5,524 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 570.0000% | 40 |
| Efficiency ratio | 58.2026% | 6,459 |
| Assets per employee ($millions) | 3.7565% | 4,409 |
| Cash dividends to net income (ytd only)* | 48.9320% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 3,578 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 6,665 |
| Noncurrent loans to loans | 0.5540% | 6,187 |
| Net loans and leases to total assets | 57.6749% | 5,501 |
| Net loans and leases to deposits | 67.9423% | 5,598 |
| Net loans and leases to core deposits | 75.6161% | 5,307 |
| Total domestic deposits to total assets | 84.8881% | 3,729 |
| Equity capital to assets | 8.4825% | 6,026 |
| Core capital (leverage) ratio | 7.5487% | 6,801 |
| Tier 1 risk-based capital ratio | 11.1453% | 6,009 |
| Total risk-based capital ratio | 12.3975% | 5,973 |
| Memoranda: | ||
| Average total assets | $118,669,000 | 4,666 |
| Average earning assets | $112,756,000 | 4,547 |
| Average equity | $9,573,500 | 5,352 |
| Average total loans | $65,441,500 | 5,020 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1369% | 5,934 |
| Cost of funding earning assets | 1.6515% | 4,785 |
| Net interest margin | 3.4854% | 5,019 |
| Noninterest income to average assets | 1.2983% | 891 |
| Noninterest expense to average assets | 3.0231% | 4,059 |
| Loan and lease loss provision to assets | 0.1504% | 6,160 |
| Net operating income to assets | 1.3660% | 906 |
| Return on assets (ROA) | 1.2080% | 1,277 |
| Pretax return on assets | 1.2717% | 1,774 |
| Return on Equity (ROE) | 16.5286% | 502 |
| Retained earnings to average equity (ytd only) | 7.8587% | 738 |
| Net charge-offs to loans | 0.0736% | 6,375 |
| Credit loss provision to net charge-offs | 377.7778% | 846 |
| Earnings coverage of net charge-offs (x) | 39.8889% | 602 |
| Efficiency ratio | 64.3447% | 5,709 |
| Assets per employee ($millions) | 4.0296% | 3,759 |
| Cash dividends to net income (ytd only)* | 52.4542% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 2,969 |
| Loan loss allowance to noncurrent loans | 267.6845% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 6,628 |
| Noncurrent loans to loans | 0.6273% | 5,982 |
| Net loans and leases to total assets | 50.9542% | 6,535 |
| Net loans and leases to deposits | 61.6494% | 6,501 |
| Net loans and leases to core deposits | 72.0298% | 6,656 |
| Total domestic deposits to total assets | 82.6516% | 4,680 |
| Equity capital to assets | 7.6675% | 6,885 |
| Core capital (leverage) ratio | 7.0144% | 7,222 |
| Tier 1 risk-based capital ratio | 11.1505% | 5,777 |
| Total risk-based capital ratio | 12.4025% | 5,730 |
| Memoranda: | ||
| Average total assets | $112,997,800 | 4,758 |
| Average earning assets | $107,419,800 | 4,647 |
| Average equity | $8,258,400 | 5,848 |
| Average total loans | $61,144,400 | 5,200 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2291% | 5,762 |
| Cost of funding earning assets | 1.7035% | 4,879 |
| Net interest margin | 3.5257% | 4,762 |
| Noninterest income to average assets | 1.3942% | 784 |
| Noninterest expense to average assets | 3.1043% | 3,637 |
| Loan and lease loss provision to assets | 0.1681% | 5,675 |
| Net operating income to assets | 1.4013% | 1,028 |
| Return on assets (ROA) | 1.2381% | 1,444 |
| Pretax return on assets | 1.3030% | 1,946 |
| Return on Equity (ROE) | 17.1705% | 534 |
| Retained earnings to average equity (ytd only) | 6.3953% | 1,770 |
| Net charge-offs to loans | 0.0768% | 5,913 |
| Credit loss provision to net charge-offs | 400.0000% | 988 |
| Earnings coverage of net charge-offs (x) | 39.0819% | 763 |
| Efficiency ratio | 64.1791% | 5,714 |
| Assets per employee ($millions) | 3.8965% | 3,954 |
| Cash dividends to net income (ytd only)* | 62.7551% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 2,838 |
| Loan loss allowance to noncurrent loans | 149.1329% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 5,914 |
| Noncurrent loans to loans | 1.1015% | 5,112 |
| Net loans and leases to total assets | 52.8599% | 6,518 |
| Net loans and leases to deposits | 63.6335% | 6,528 |
| Net loans and leases to core deposits | 74.8661% | 6,676 |
| Total domestic deposits to total assets | 83.0693% | 4,189 |
| Equity capital to assets | 7.7600% | 7,079 |
| Core capital (leverage) ratio | 7.1856% | 7,277 |
| Tier 1 risk-based capital ratio | 10.7964% | 6,164 |
| Total risk-based capital ratio | 12.0476% | 6,127 |
| Memoranda: | ||
| Average total assets | $111,025,500 | 4,828 |
| Average earning assets | $105,585,250 | 4,722 |
| Average equity | $8,005,750 | 5,976 |
| Average total loans | $60,768,250 | 5,250 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3221% | 5,543 |
| Cost of funding earning assets | 1.7367% | 5,079 |
| Net interest margin | 3.5854% | 4,429 |
| Noninterest income to average assets | 1.4633% | 691 |
| Noninterest expense to average assets | 3.1136% | 3,647 |
| Loan and lease loss provision to assets | 0.2017% | 5,037 |
| Net operating income to assets | 1.4764% | 878 |
| Return on assets (ROA) | 1.4468% | 998 |
| Pretax return on assets | 1.5238% | 1,382 |
| Return on Equity (ROE) | 20.6256% | 297 |
| Retained earnings to average equity (ytd only) | 6.3001% | 1,885 |
| Net charge-offs to loans | 0.1198% | 4,961 |
| Credit loss provision to net charge-offs | 305.5556% | 1,517 |
| Earnings coverage of net charge-offs (x) | 26.6111% | 1,078 |
| Efficiency ratio | 62.7259% | 6,135 |
| Assets per employee ($millions) | 3.7255% | 4,270 |
| Cash dividends to net income (ytd only)* | 69.4550% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 2,706 |
| Loan loss allowance to noncurrent loans | 144.6532% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 5,784 |
| Noncurrent loans to loans | 1.1110% | 4,996 |
| Net loans and leases to total assets | 54.8315% | 6,355 |
| Net loans and leases to deposits | 64.5206% | 6,516 |
| Net loans and leases to core deposits | 76.1336% | 6,666 |
| Total domestic deposits to total assets | 84.9829% | 3,268 |
| Equity capital to assets | 7.0495% | 7,581 |
| Core capital (leverage) ratio | 7.3254% | 7,217 |
| Tier 1 risk-based capital ratio | 10.7703% | 6,119 |
| Total risk-based capital ratio | 12.0217% | 6,047 |
| Memoranda: | ||
| Average total assets | $109,069,330 | 4,909 |
| Average earning assets | $103,642,330 | 4,798 |
| Average equity | $7,650,670 | 6,131 |
| Average total loans | $60,083,670 | 5,329 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2998% | 5,893 |
| Cost of funding earning assets | 1.7692% | 5,265 |
| Net interest margin | 3.5306% | 4,611 |
| Noninterest income to average assets | 1.5819% | 550 |
| Noninterest expense to average assets | 3.0709% | 3,487 |
| Loan and lease loss provision to assets | 0.1114% | 5,538 |
| Net operating income to assets | 1.6771% | 677 |
| Return on assets (ROA) | 1.6524% | 778 |
| Pretax return on assets | 1.7378% | 1,103 |
| Return on Equity (ROE) | 23.6184% | 233 |
| Retained earnings to average equity (ytd only) | -0.2123% | 5,692 |
| Net charge-offs to loans | 0.0203% | 5,280 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 168.3333% | 258 |
| Efficiency ratio | 60.8859% | 6,270 |
| Assets per employee ($millions) | 3.7094% | 4,321 |
| Cash dividends to net income (ytd only)* | 100.8989% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 2,397 |
| Loan loss allowance to noncurrent loans | 259.9455% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 6,374 |
| Noncurrent loans to loans | 0.6275% | 5,832 |
| Net loans and leases to total assets | 53.4823% | 6,528 |
| Net loans and leases to deposits | 63.3027% | 6,626 |
| Net loans and leases to core deposits | 72.5288% | 6,884 |
| Total domestic deposits to total assets | 84.4867% | 3,466 |
| Equity capital to assets | 6.7434% | 7,788 |
| Core capital (leverage) ratio | 7.2461% | 7,431 |
| Tier 1 risk-based capital ratio | 11.1648% | 5,739 |
| Total risk-based capital ratio | 12.4165% | 5,657 |
| Memoranda: | ||
| Average total assets | $107,721,000 | 4,962 |
| Average earning assets | $102,645,500 | 4,844 |
| Average equity | $7,536,500 | 6,210 |
| Average total loans | $58,983,500 | 5,404 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9229% | 5,933 |
| Cost of funding earning assets | 2.3150% | 5,084 |
| Net interest margin | 3.6079% | 4,848 |
| Noninterest income to average assets | 1.3155% | 843 |
| Noninterest expense to average assets | 3.0946% | 3,713 |
| Loan and lease loss provision to assets | 0.0247% | 7,092 |
| Net operating income to assets | 1.4943% | 1,028 |
| Return on assets (ROA) | 1.3174% | 1,390 |
| Pretax return on assets | 1.3868% | 2,010 |
| Return on Equity (ROE) | 17.1956% | 609 |
| Retained earnings to average equity (ytd only) | 0.4339% | 4,987 |
| Net charge-offs to loans | -0.0069% | 7,814 |
| Credit loss provision to net charge-offs | -650.0000% | 7,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6761% | 5,402 |
| Assets per employee ($millions) | 3.7197% | 4,135 |
| Cash dividends to net income (ytd only)* | 97.4766% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 2,408 |
| Loan loss allowance to noncurrent loans | 253.2787% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 6,152 |
| Noncurrent loans to loans | 0.6153% | 5,522 |
| Net loans and leases to total assets | 54.2820% | 6,626 |
| Net loans and leases to deposits | 66.6819% | 6,595 |
| Net loans and leases to core deposits | 75.1849% | 6,905 |
| Total domestic deposits to total assets | 81.4045% | 4,460 |
| Equity capital to assets | 7.2485% | 7,589 |
| Core capital (leverage) ratio | 7.3403% | 7,376 |
| Tier 1 risk-based capital ratio | 11.1732% | 5,569 |
| Total risk-based capital ratio | 12.4249% | 5,449 |
| Memoranda: | ||
| Average total assets | $105,280,200 | 4,893 |
| Average earning assets | $98,532,600 | 4,848 |
| Average equity | $8,066,000 | 6,063 |
| Average total loans | $57,675,800 | 5,375 |