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 | 5.1697% | 1,720 |
| Cost of funding earning assets | 1.4574% | 2,057 |
| Net interest margin | 3.7123% | 1,739 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.1711% | 3,200 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.3283% | 1,371 |
| Return on assets (ROA) | 1.3283% | 1,338 |
| Pretax return on assets | 1.4053% | 1,621 |
| Return on Equity (ROE) | 13.8700% | 1,509 |
| Retained earnings to average equity (ytd only) | 6.9424% | 1,907 |
| Net charge-offs to loans | 0.0607% | 1,245 |
| Credit loss provision to net charge-offs | 507.0423% | 661 |
| Earnings coverage of net charge-offs (x) | 38.7465% | 1,464 |
| Efficiency ratio | 55.7642% | 3,522 |
| Assets per employee ($millions) | 6.9887% | 2,082 |
| Cash dividends to net income (ytd only)* | 49.9558% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 1,694 |
| Loan loss allowance to noncurrent loans | 2,010.8280% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 3,294 |
| Noncurrent loans to loans | 0.0655% | 3,247 |
| Net loans and leases to total assets | 67.7200% | 2,070 |
| Net loans and leases to deposits | 75.3091% | 2,520 |
| Net loans and leases to core deposits | 84.1187% | 2,443 |
| Total domestic deposits to total assets | 89.9200% | 775 |
| Equity capital to assets | 9.7152% | 2,189 |
| Core capital (leverage) ratio | 9.3364% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $340,281,800 | 2,230 |
| Average earning assets | $321,468,600 | 2,200 |
| Average equity | $32,582,400 | 2,161 |
| Average total loans | $234,054,400 | 2,085 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9632% | 1,909 |
| Cost of funding earning assets | 1.3444% | 2,015 |
| Net interest margin | 3.6188% | 1,952 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.1724% | 3,149 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 1.2024% | 1,794 |
| Return on assets (ROA) | 1.2024% | 1,782 |
| Pretax return on assets | 1.2659% | 2,129 |
| Return on Equity (ROE) | 12.6000% | 1,979 |
| Retained earnings to average equity (ytd only) | 6.2858% | 2,541 |
| Net charge-offs to loans | -0.0235% | 4,176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.8760% | 3,220 |
| Assets per employee ($millions) | 6.6575% | 2,214 |
| Cash dividends to net income (ytd only)* | 50.1312% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 1,905 |
| Loan loss allowance to noncurrent loans | 63.3447% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.4405% | 264 |
| Noncurrent loans to loans | 2.0391% | 294 |
| Net loans and leases to total assets | 69.7300% | 1,863 |
| Net loans and leases to deposits | 78.3403% | 2,217 |
| Net loans and leases to core deposits | 86.4923% | 2,161 |
| Total domestic deposits to total assets | 89.0100% | 1,247 |
| Equity capital to assets | 9.4318% | 2,139 |
| Core capital (leverage) ratio | 9.2340% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $337,994,000 | 2,239 |
| Average earning assets | $318,845,250 | 2,214 |
| Average equity | $32,241,000 | 2,161 |
| Average total loans | $232,621,000 | 2,094 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8852% | 1,796 |
| Cost of funding earning assets | 1.2755% | 1,775 |
| Net interest margin | 3.6098% | 2,019 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.1858% | 3,116 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.1651% | 1,932 |
| Return on assets (ROA) | 1.1651% | 1,926 |
| Pretax return on assets | 1.2277% | 2,292 |
| Return on Equity (ROE) | 12.1700% | 2,099 |
| Retained earnings to average equity (ytd only) | 6.1363% | 2,575 |
| Net charge-offs to loans | -0.0219% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.5991% | 3,118 |
| Assets per employee ($millions) | 6.9504% | 1,964 |
| Cash dividends to net income (ytd only)* | 49.5648% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,075 |
| Loan loss allowance to noncurrent loans | 58.6500% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.4834% | 241 |
| Noncurrent loans to loans | 2.1650% | 239 |
| Net loans and leases to total assets | 67.6500% | 1,995 |
| Net loans and leases to deposits | 75.0644% | 2,400 |
| Net loans and leases to core deposits | 82.0169% | 2,333 |
| Total domestic deposits to total assets | 90.1200% | 894 |
| Equity capital to assets | 9.5196% | 2,147 |
| Core capital (leverage) ratio | 9.1971% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $335,262,333 | 2,254 |
| Average earning assets | $314,867,667 | 2,236 |
| Average equity | $32,104,000 | 2,183 |
| Average total loans | $228,637,667 | 2,103 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 1,659 |
| Cost of funding earning assets | 1.2149% | 1,412 |
| Net interest margin | 3.5703% | 2,189 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.2140% | 3,067 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 1.0860% | 2,271 |
| Return on assets (ROA) | 1.0860% | 2,237 |
| Pretax return on assets | 1.1521% | 2,552 |
| Return on Equity (ROE) | 11.3100% | 2,401 |
| Retained earnings to average equity (ytd only) | 8.5521% | 2,068 |
| Net charge-offs to loans | -0.0212% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.1208% | 2,943 |
| Assets per employee ($millions) | 7.3135% | 1,744 |
| Cash dividends to net income (ytd only)* | 24.3632% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,353 |
| Loan loss allowance to noncurrent loans | 53.6392% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.5029% | 219 |
| Noncurrent loans to loans | 2.3055% | 215 |
| Net loans and leases to total assets | 64.3800% | 2,215 |
| Net loans and leases to deposits | 71.3405% | 2,519 |
| Net loans and leases to core deposits | 77.7777% | 2,402 |
| Total domestic deposits to total assets | 90.2500% | 1,069 |
| Equity capital to assets | 9.3971% | 2,231 |
| Core capital (leverage) ratio | 9.1179% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $332,608,000 | 2,303 |
| Average earning assets | $311,793,500 | 2,285 |
| Average equity | $31,945,500 | 2,216 |
| Average total loans | $226,283,500 | 2,134 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 633 |
| Cost of funding earning assets | 0.5377% | 1,173 |
| Net interest margin | 4.0392% | 737 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.2951% | 2,749 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.4814% | 928 |
| Return on assets (ROA) | 1.4814% | 892 |
| Pretax return on assets | 1.5821% | 1,207 |
| Return on Equity (ROE) | 14.5500% | 1,385 |
| Retained earnings to average equity (ytd only) | -0.2291% | 4,379 |
| Net charge-offs to loans | 0.2222% | 364 |
| Credit loss provision to net charge-offs | 173.1818% | 1,203 |
| Earnings coverage of net charge-offs (x) | 11.9091% | 2,131 |
| Efficiency ratio | 54.7035% | 3,723 |
| Assets per employee ($millions) | 6.2970% | 2,513 |
| Cash dividends to net income (ytd only)* | 101.5741% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 2,748 |
| Loan loss allowance to noncurrent loans | 1,302.5253% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 1,377 |
| Noncurrent loans to loans | 0.0867% | 3,135 |
| Net loans and leases to total assets | 70.3500% | 1,606 |
| Net loans and leases to deposits | 79.9575% | 1,771 |
| Net loans and leases to core deposits | 87.4024% | 1,659 |
| Total domestic deposits to total assets | 87.9800% | 2,078 |
| Equity capital to assets | 9.7320% | 1,866 |
| Core capital (leverage) ratio | 9.4986% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $283,039,600 | 2,537 |
| Average earning assets | $268,942,600 | 2,496 |
| Average equity | $28,808,200 | 2,389 |
| Average total loans | $198,032,000 | 2,240 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 542 |
| Cost of funding earning assets | 0.4651% | 908 |
| Net interest margin | 3.9729% | 679 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.2492% | 2,793 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 1.4853% | 882 |
| Return on assets (ROA) | 1.4853% | 866 |
| Pretax return on assets | 1.5799% | 1,172 |
| Return on Equity (ROE) | 14.4100% | 1,320 |
| Retained earnings to average equity (ytd only) | 6.8753% | 2,415 |
| Net charge-offs to loans | -0.0385% | 4,228 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.3582% | 3,790 |
| Assets per employee ($millions) | 6.6854% | 2,172 |
| Cash dividends to net income (ytd only)* | 52.2809% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 1,652 |
| Loan loss allowance to noncurrent loans | 534.4569% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 1,044 |
| Noncurrent loans to loans | 0.2595% | 2,336 |
| Net loans and leases to total assets | 70.5800% | 1,432 |
| Net loans and leases to deposits | 83.9000% | 1,306 |
| Net loans and leases to core deposits | 96.9358% | 955 |
| Total domestic deposits to total assets | 84.1300% | 3,473 |
| Equity capital to assets | 9.8914% | 1,673 |
| Core capital (leverage) ratio | 10.3811% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $273,513,000 | 2,604 |
| Average earning assets | $260,559,000 | 2,568 |
| Average equity | $28,196,750 | 2,451 |
| Average total loans | $190,416,250 | 2,307 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 458 |
| Cost of funding earning assets | 0.4186% | 816 |
| Net interest margin | 3.9559% | 547 |
| Noninterest income to average assets | 0.3154% | 3,276 |
| Noninterest expense to average assets | 2.2540% | 2,698 |
| Loan and lease loss provision to assets | 0.2700% | 253 |
| Net operating income to assets | 1.4454% | 804 |
| Return on assets (ROA) | 1.4454% | 786 |
| Pretax return on assets | 1.5458% | 1,055 |
| Return on Equity (ROE) | 13.8207% | 1,161 |
| Retained earnings to average equity (ytd only) | 5.8612% | 2,381 |
| Net charge-offs to loans | -0.0399% | 4,153 |
| Credit loss provision to net charge-offs | -981.0811% | 3,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7797% | 3,885 |
| Assets per employee ($millions) | 6.5311% | 2,289 |
| Cash dividends to net income (ytd only)* | 57.5914% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,758 |
| Loan loss allowance to noncurrent loans | 495.3358% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5613% | 1,006 |
| Noncurrent loans to loans | 0.2823% | 2,332 |
| Net loans and leases to total assets | 69.9067% | 1,306 |
| Net loans and leases to deposits | 79.5100% | 1,420 |
| Net loans and leases to core deposits | 88.0775% | 1,219 |
| Total domestic deposits to total assets | 87.9219% | 2,605 |
| Equity capital to assets | 10.5186% | 1,418 |
| Core capital (leverage) ratio | 10.5226% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,860,333 | 2,656 |
| Average earning assets | $255,165,667 | 2,632 |
| Average equity | $28,117,333 | 2,519 |
| Average total loans | $185,301,333 | 2,345 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3246% | 423 |
| Cost of funding earning assets | 0.4227% | 766 |
| Net interest margin | 3.9019% | 501 |
| Noninterest income to average assets | 0.3192% | 3,187 |
| Noninterest expense to average assets | 2.2732% | 2,601 |
| Loan and lease loss provision to assets | 0.2717% | 229 |
| Net operating income to assets | 1.3333% | 930 |
| Return on assets (ROA) | 1.3333% | 922 |
| Pretax return on assets | 1.4476% | 1,133 |
| Return on Equity (ROE) | 12.7861% | 1,091 |
| Retained earnings to average equity (ytd only) | 3.0328% | 3,251 |
| Net charge-offs to loans | -0.0656% | 4,351 |
| Credit loss provision to net charge-offs | -610.0000% | 3,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3406% | 3,846 |
| Assets per employee ($millions) | 6.6129% | 2,284 |
| Cash dividends to net income (ytd only)* | 76.2806% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 1,928 |
| Loan loss allowance to noncurrent loans | 454.6961% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 1,069 |
| Noncurrent loans to loans | 0.3065% | 2,361 |
| Net loans and leases to total assets | 64.4282% | 1,568 |
| Net loans and leases to deposits | 73.6357% | 1,641 |
| Net loans and leases to core deposits | 81.5681% | 1,372 |
| Total domestic deposits to total assets | 87.4959% | 2,747 |
| Equity capital to assets | 10.3191% | 1,680 |
| Core capital (leverage) ratio | 10.2083% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,403,500 | 2,667 |
| Average earning assets | $253,619,500 | 2,662 |
| Average equity | $28,093,000 | 2,601 |
| Average total loans | $183,028,500 | 2,354 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 409 |
| Cost of funding earning assets | 0.5776% | 612 |
| Net interest margin | 4.1405% | 550 |
| Noninterest income to average assets | 0.3763% | 3,177 |
| Noninterest expense to average assets | 2.2780% | 2,858 |
| Loan and lease loss provision to assets | 0.6475% | 74 |
| Net operating income to assets | 1.2842% | 1,650 |
| Return on assets (ROA) | 1.2842% | 1,704 |
| Pretax return on assets | 1.3236% | 2,285 |
| Return on Equity (ROE) | 12.5370% | 1,636 |
| Retained earnings to average equity (ytd only) | 6.9369% | 1,941 |
| Net charge-offs to loans | 1.6817% | 30 |
| Credit loss provision to net charge-offs | 53.4696% | 2,115 |
| Earnings coverage of net charge-offs (x) | 1.6276% | 2,607 |
| Efficiency ratio | 53.0373% | 4,027 |
| Assets per employee ($millions) | 5.8191% | 2,933 |
| Cash dividends to net income (ytd only)* | 44.6684% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,913 |
| Loan loss allowance to noncurrent loans | 364.4588% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 1,098 |
| Noncurrent loans to loans | 0.3277% | 2,413 |
| Net loans and leases to total assets | 69.7287% | 1,074 |
| Net loans and leases to deposits | 79.9018% | 1,225 |
| Net loans and leases to core deposits | 89.2460% | 1,001 |
| Total domestic deposits to total assets | 87.2680% | 2,405 |
| Equity capital to assets | 10.5380% | 2,136 |
| Core capital (leverage) ratio | 10.3695% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,554,200 | 2,627 |
| Average earning assets | $249,316,400 | 2,621 |
| Average equity | $27,303,200 | 2,699 |
| Average total loans | $191,949,200 | 2,293 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 518 |
| Cost of funding earning assets | 0.6082% | 619 |
| Net interest margin | 4.0502% | 713 |
| Noninterest income to average assets | 0.3881% | 3,165 |
| Noninterest expense to average assets | 2.2222% | 3,002 |
| Loan and lease loss provision to assets | 0.7034% | 65 |
| Net operating income to assets | 1.2338% | 2,045 |
| Return on assets (ROA) | 1.2338% | 2,114 |
| Pretax return on assets | 1.2503% | 2,769 |
| Return on Equity (ROE) | 12.1330% | 2,000 |
| Retained earnings to average equity (ytd only) | 6.3029% | 2,695 |
| Net charge-offs to loans | 2.2347% | 19 |
| Credit loss provision to net charge-offs | 43.4985% | 1,893 |
| Earnings coverage of net charge-offs (x) | 1.2080% | 2,384 |
| Efficiency ratio | 52.6259% | 3,967 |
| Assets per employee ($millions) | 5.7550% | 2,932 |
| Cash dividends to net income (ytd only)* | 48.0519% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 3,648 |
| Loan loss allowance to noncurrent loans | 191.7659% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.8673% | 803 |
| Noncurrent loans to loans | 0.5493% | 1,946 |
| Net loans and leases to total assets | 68.5900% | 1,248 |
| Net loans and leases to deposits | 78.5755% | 1,432 |
| Net loans and leases to core deposits | 87.2153% | 1,204 |
| Total domestic deposits to total assets | 87.2919% | 2,218 |
| Equity capital to assets | 10.4719% | 2,473 |
| Core capital (leverage) ratio | 10.1895% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,273,000 | 2,651 |
| Average earning assets | $249,034,250 | 2,647 |
| Average equity | $27,077,000 | 2,748 |
| Average total loans | $192,710,250 | 2,321 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 763 |
| Cost of funding earning assets | 0.6302% | 639 |
| Net interest margin | 3.8409% | 1,081 |
| Noninterest income to average assets | 0.3561% | 3,336 |
| Noninterest expense to average assets | 2.1920% | 3,116 |
| Loan and lease loss provision to assets | 0.6440% | 70 |
| Net operating income to assets | 1.1357% | 2,412 |
| Return on assets (ROA) | 1.1357% | 2,475 |
| Pretax return on assets | 1.1522% | 3,051 |
| Return on Equity (ROE) | 11.2799% | 2,306 |
| Retained earnings to average equity (ytd only) | 4.8470% | 3,245 |
| Net charge-offs to loans | 2.5488% | 22 |
| Credit loss provision to net charge-offs | 34.4289% | 1,682 |
| Earnings coverage of net charge-offs (x) | 0.9603% | 2,179 |
| Efficiency ratio | 54.3609% | 3,752 |
| Assets per employee ($millions) | 5.9927% | 2,616 |
| Cash dividends to net income (ytd only)* | 57.0297% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 3,152 |
| Loan loss allowance to noncurrent loans | 66.9294% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.2174% | 554 |
| Noncurrent loans to loans | 1.7293% | 606 |
| Net loans and leases to total assets | 68.7587% | 1,356 |
| Net loans and leases to deposits | 78.5998% | 1,569 |
| Net loans and leases to core deposits | 87.4689% | 1,313 |
| Total domestic deposits to total assets | 87.4795% | 2,101 |
| Equity capital to assets | 10.2882% | 2,589 |
| Core capital (leverage) ratio | 9.8274% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,788,000 | 2,635 |
| Average earning assets | $252,284,000 | 2,617 |
| Average equity | $26,862,000 | 2,753 |
| Average total loans | $195,777,000 | 2,308 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 886 |
| Cost of funding earning assets | 0.6463% | 713 |
| Net interest margin | 3.7741% | 1,192 |
| Noninterest income to average assets | 0.3101% | 3,550 |
| Noninterest expense to average assets | 2.1599% | 3,235 |
| Loan and lease loss provision to assets | 0.5679% | 109 |
| Net operating income to assets | 1.1433% | 2,350 |
| Return on assets (ROA) | 1.1433% | 2,415 |
| Pretax return on assets | 1.1597% | 2,953 |
| Return on Equity (ROE) | 11.4782% | 2,197 |
| Retained earnings to average equity (ytd only) | 5.3724% | 3,103 |
| Net charge-offs to loans | 0.7289% | 107 |
| Credit loss provision to net charge-offs | 103.5326% | 1,093 |
| Earnings coverage of net charge-offs (x) | 3.1495% | 1,777 |
| Efficiency ratio | 54.9463% | 3,674 |
| Assets per employee ($millions) | 6.4686% | 2,202 |
| Cash dividends to net income (ytd only)* | 53.1943% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8601% | 784 |
| Loan loss allowance to noncurrent loans | 73.0583% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.9067% | 280 |
| Noncurrent loans to loans | 2.5461% | 359 |
| Net loans and leases to total assets | 73.2516% | 879 |
| Net loans and leases to deposits | 88.0875% | 824 |
| Net loans and leases to core deposits | 96.9513% | 843 |
| Total domestic deposits to total assets | 83.1578% | 3,654 |
| Equity capital to assets | 9.8785% | 2,821 |
| Core capital (leverage) ratio | 10.3241% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,342,000 | 2,607 |
| Average earning assets | $254,364,500 | 2,580 |
| Average equity | $26,729,000 | 2,750 |
| Average total loans | $201,952,500 | 2,271 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2366% | 312 |
| Cost of funding earning assets | 1.0029% | 588 |
| Net interest margin | 4.2338% | 588 |
| Noninterest income to average assets | 0.3428% | 3,412 |
| Noninterest expense to average assets | 2.2788% | 3,467 |
| Loan and lease loss provision to assets | 0.8129% | 150 |
| Net operating income to assets | 1.2396% | 1,419 |
| Return on assets (ROA) | 1.2396% | 1,525 |
| Pretax return on assets | 1.2588% | 2,125 |
| Return on Equity (ROE) | 11.7510% | 1,393 |
| Retained earnings to average equity (ytd only) | 3.4248% | 3,113 |
| Net charge-offs to loans | 0.5555% | 274 |
| Credit loss provision to net charge-offs | 190.3195% | 2,206 |
| Earnings coverage of net charge-offs (x) | 4.8506% | 2,927 |
| Efficiency ratio | 51.7808% | 4,400 |
| Assets per employee ($millions) | 6.3096% | 2,082 |
| Cash dividends to net income (ytd only)* | 70.8549% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8690% | 767 |
| Loan loss allowance to noncurrent loans | 61.1518% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 2.3196% | 212 |
| Noncurrent loans to loans | 3.0563% | 276 |
| Net loans and leases to total assets | 74.4759% | 959 |
| Net loans and leases to deposits | 89.9173% | 933 |
| Net loans and leases to core deposits | 100.8699% | 866 |
| Total domestic deposits to total assets | 82.8271% | 3,458 |
| Equity capital to assets | 10.0451% | 3,091 |
| Core capital (leverage) ratio | 10.0812% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,118,600 | 2,585 |
| Average earning assets | $235,818,800 | 2,549 |
| Average equity | $26,278,600 | 2,725 |
| Average total loans | $191,529,000 | 2,314 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 326 |
| Cost of funding earning assets | 1.0822% | 570 |
| Net interest margin | 4.2513% | 652 |
| Noninterest income to average assets | 0.3356% | 3,472 |
| Noninterest expense to average assets | 2.3294% | 3,344 |
| Loan and lease loss provision to assets | 0.7069% | 295 |
| Net operating income to assets | 1.3042% | 1,351 |
| Return on assets (ROA) | 1.3042% | 1,440 |
| Pretax return on assets | 1.3222% | 1,968 |
| Return on Equity (ROE) | 12.2064% | 1,317 |
| Retained earnings to average equity (ytd only) | 3.6752% | 3,207 |
| Net charge-offs to loans | 0.5802% | 252 |
| Credit loss provision to net charge-offs | 157.9587% | 2,283 |
| Earnings coverage of net charge-offs (x) | 4.5334% | 2,812 |
| Efficiency ratio | 52.8325% | 4,269 |
| Assets per employee ($millions) | 5.9258% | 2,329 |
| Cash dividends to net income (ytd only)* | 69.8916% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 964 |
| Loan loss allowance to noncurrent loans | 124.2413% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.0110% | 1,093 |
| Noncurrent loans to loans | 1.3370% | 1,103 |
| Net loans and leases to total assets | 74.3603% | 1,330 |
| Net loans and leases to deposits | 90.0973% | 1,251 |
| Net loans and leases to core deposits | 103.7207% | 944 |
| Total domestic deposits to total assets | 82.5333% | 3,270 |
| Equity capital to assets | 10.1689% | 3,089 |
| Core capital (leverage) ratio | 10.5547% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,147,250 | 2,595 |
| Average earning assets | $231,984,000 | 2,562 |
| Average equity | $26,193,250 | 2,717 |
| Average total loans | $189,130,500 | 2,330 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2646% | 505 |
| Cost of funding earning assets | 1.1501% | 608 |
| Net interest margin | 4.1145% | 1,083 |
| Noninterest income to average assets | 0.3417% | 3,426 |
| Noninterest expense to average assets | 2.4180% | 3,204 |
| Loan and lease loss provision to assets | 0.4793% | 769 |
| Net operating income to assets | 1.3344% | 1,265 |
| Return on assets (ROA) | 1.3344% | 1,365 |
| Pretax return on assets | 1.3536% | 1,852 |
| Return on Equity (ROE) | 12.2746% | 1,266 |
| Retained earnings to average equity (ytd only) | 3.1357% | 3,331 |
| Net charge-offs to loans | 0.0804% | 1,443 |
| Credit loss provision to net charge-offs | 766.6667% | 936 |
| Earnings coverage of net charge-offs (x) | 29.3200% | 1,455 |
| Efficiency ratio | 56.2549% | 3,909 |
| Assets per employee ($millions) | 5.5902% | 2,557 |
| Cash dividends to net income (ytd only)* | 74.4535% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6834% | 843 |
| Loan loss allowance to noncurrent loans | 191.2413% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 1,832 |
| Noncurrent loans to loans | 0.8802% | 1,736 |
| Net loans and leases to total assets | 74.8828% | 1,292 |
| Net loans and leases to deposits | 90.9388% | 1,274 |
| Net loans and leases to core deposits | 109.5323% | 756 |
| Total domestic deposits to total assets | 82.3442% | 3,277 |
| Equity capital to assets | 10.2271% | 2,982 |
| Core capital (leverage) ratio | 10.2780% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,951,000 | 2,609 |
| Average earning assets | $227,976,000 | 2,568 |
| Average equity | $26,086,333 | 2,711 |
| Average total loans | $186,454,333 | 2,340 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4062% | 459 |
| Cost of funding earning assets | 1.2109% | 746 |
| Net interest margin | 4.1953% | 935 |
| Noninterest income to average assets | 0.4046% | 3,061 |
| Noninterest expense to average assets | 2.6228% | 2,914 |
| Loan and lease loss provision to assets | 0.2766% | 1,128 |
| Net operating income to assets | 1.4679% | 839 |
| Return on assets (ROA) | 1.4679% | 917 |
| Pretax return on assets | 1.4886% | 1,333 |
| Return on Equity (ROE) | 13.0716% | 870 |
| Retained earnings to average equity (ytd only) | 1.2317% | 3,684 |
| Net charge-offs to loans | 0.1805% | 744 |
| Credit loss provision to net charge-offs | 195.1220% | 1,429 |
| Earnings coverage of net charge-offs (x) | 12.4512% | 1,692 |
| Efficiency ratio | 59.1411% | 3,846 |
| Assets per employee ($millions) | 4.9626% | 2,689 |
| Cash dividends to net income (ytd only)* | 90.5771% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 1,054 |
| Loan loss allowance to noncurrent loans | 70.6460% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.7834% | 519 |
| Noncurrent loans to loans | 2.2708% | 562 |
| Net loans and leases to total assets | 77.2738% | 1,089 |
| Net loans and leases to deposits | 87.6047% | 1,796 |
| Net loans and leases to core deposits | 109.2403% | 888 |
| Total domestic deposits to total assets | 88.2074% | 1,014 |
| Equity capital to assets | 11.3931% | 2,531 |
| Core capital (leverage) ratio | 10.7241% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,351,500 | 2,613 |
| Average earning assets | $219,675,500 | 2,575 |
| Average equity | $25,980,000 | 2,711 |
| Average total loans | $181,752,500 | 2,342 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1998% | 993 |
| Cost of funding earning assets | 1.1925% | 1,037 |
| Net interest margin | 4.0073% | 1,836 |
| Noninterest income to average assets | 0.3337% | 3,711 |
| Noninterest expense to average assets | 2.4303% | 3,616 |
| Loan and lease loss provision to assets | 0.2734% | 656 |
| Net operating income to assets | 1.4138% | 1,300 |
| Return on assets (ROA) | 1.4138% | 1,373 |
| Pretax return on assets | 1.4318% | 2,033 |
| Return on Equity (ROE) | 13.0266% | 1,160 |
| Retained earnings to average equity (ytd only) | 4.9682% | 2,438 |
| Net charge-offs to loans | 0.1386% | 1,404 |
| Credit loss provision to net charge-offs | 252.9644% | 1,082 |
| Earnings coverage of net charge-offs (x) | 15.7747% | 2,211 |
| Efficiency ratio | 58.0948% | 3,947 |
| Assets per employee ($millions) | 5.2094% | 2,336 |
| Cash dividends to net income (ytd only)* | 61.8616% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 1,168 |
| Loan loss allowance to noncurrent loans | 140.1102% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 1,475 |
| Noncurrent loans to loans | 1.0840% | 1,393 |
| Net loans and leases to total assets | 77.3945% | 1,180 |
| Net loans and leases to deposits | 87.4367% | 1,923 |
| Net loans and leases to core deposits | 111.4228% | 777 |
| Total domestic deposits to total assets | 88.5149% | 877 |
| Equity capital to assets | 11.0705% | 2,931 |
| Core capital (leverage) ratio | 10.6320% | 2,824 |
| Tier 1 risk-based capital ratio | 13.4155% | 3,571 |
| Total risk-based capital ratio | 14.6686% | 3,449 |
| Memoranda: | ||
| Average total assets | $234,047,200 | 2,549 |
| Average earning assets | $222,046,800 | 2,522 |
| Average equity | $25,401,800 | 2,688 |
| Average total loans | $182,490,600 | 2,292 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1688% | 1,109 |
| Cost of funding earning assets | 1.1733% | 1,102 |
| Net interest margin | 3.9956% | 1,959 |
| Noninterest income to average assets | 0.3231% | 3,813 |
| Noninterest expense to average assets | 2.4534% | 3,556 |
| Loan and lease loss provision to assets | 0.2622% | 600 |
| Net operating income to assets | 1.3792% | 1,533 |
| Return on assets (ROA) | 1.3792% | 1,608 |
| Pretax return on assets | 1.3980% | 2,320 |
| Return on Equity (ROE) | 12.7714% | 1,362 |
| Retained earnings to average equity (ytd only) | 5.9160% | 2,412 |
| Net charge-offs to loans | 0.0007% | 3,439 |
| Credit loss provision to net charge-offs | 46,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 2,920.2256% | 20 |
| Efficiency ratio | 58.9637% | 3,805 |
| Assets per employee ($millions) | 5.1578% | 2,390 |
| Cash dividends to net income (ytd only)* | 53.6777% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 1,100 |
| Loan loss allowance to noncurrent loans | 80.0781% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.5279% | 715 |
| Noncurrent loans to loans | 1.9426% | 710 |
| Net loans and leases to total assets | 76.5511% | 1,386 |
| Net loans and leases to deposits | 86.3369% | 2,157 |
| Net loans and leases to core deposits | 111.1195% | 892 |
| Total domestic deposits to total assets | 88.6656% | 763 |
| Equity capital to assets | 10.9200% | 3,171 |
| Core capital (leverage) ratio | 10.7179% | 2,920 |
| Tier 1 risk-based capital ratio | 13.3689% | 3,648 |
| Total risk-based capital ratio | 14.6225% | 3,544 |
| Memoranda: | ||
| Average total assets | $233,952,750 | 2,576 |
| Average earning assets | $221,940,000 | 2,538 |
| Average equity | $25,264,250 | 2,710 |
| Average total loans | $182,055,750 | 2,321 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1311% | 1,146 |
| Cost of funding earning assets | 1.1516% | 1,133 |
| Net interest margin | 3.9795% | 1,987 |
| Noninterest income to average assets | 0.2998% | 3,934 |
| Noninterest expense to average assets | 2.4754% | 3,557 |
| Loan and lease loss provision to assets | 0.2405% | 647 |
| Net operating income to assets | 1.3442% | 1,603 |
| Return on assets (ROA) | 1.3442% | 1,667 |
| Pretax return on assets | 1.3623% | 2,335 |
| Return on Equity (ROE) | 12.4953% | 1,412 |
| Retained earnings to average equity (ytd only) | 5.5970% | 2,477 |
| Net charge-offs to loans | 0.0055% | 2,954 |
| Credit loss provision to net charge-offs | 5,600.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 373.2000% | 212 |
| Efficiency ratio | 60.0042% | 3,728 |
| Assets per employee ($millions) | 4.9526% | 2,532 |
| Cash dividends to net income (ytd only)* | 55.2077% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 1,316 |
| Loan loss allowance to noncurrent loans | 75.6338% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.5423% | 714 |
| Noncurrent loans to loans | 1.9652% | 737 |
| Net loans and leases to total assets | 76.4510% | 1,480 |
| Net loans and leases to deposits | 86.2534% | 2,227 |
| Net loans and leases to core deposits | 108.3412% | 1,077 |
| Total domestic deposits to total assets | 88.6353% | 809 |
| Equity capital to assets | 10.9720% | 3,097 |
| Core capital (leverage) ratio | 10.5584% | 3,026 |
| Tier 1 risk-based capital ratio | 13.2605% | 3,707 |
| Total risk-based capital ratio | 14.5134% | 3,611 |
| Memoranda: | ||
| Average total assets | $232,850,000 | 2,595 |
| Average earning assets | $221,084,670 | 2,557 |
| Average equity | $25,049,330 | 2,715 |
| Average total loans | $181,242,330 | 2,331 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0313% | 1,263 |
| Cost of funding earning assets | 1.1156% | 1,141 |
| Net interest margin | 3.9156% | 2,142 |
| Noninterest income to average assets | 0.2250% | 4,396 |
| Noninterest expense to average assets | 2.4784% | 3,567 |
| Loan and lease loss provision to assets | 0.1718% | 974 |
| Net operating income to assets | 1.2710% | 1,809 |
| Return on assets (ROA) | 1.2710% | 1,856 |
| Pretax return on assets | 1.2882% | 2,502 |
| Return on Equity (ROE) | 11.9336% | 1,555 |
| Retained earnings to average equity (ytd only) | 5.0798% | 2,875 |
| Net charge-offs to loans | -0.0969% | 5,020 |
| Credit loss provision to net charge-offs | -227.2727% | 3,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2329% | 3,497 |
| Assets per employee ($millions) | 5.1771% | 2,306 |
| Cash dividends to net income (ytd only)* | 57.4324% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 1,628 |
| Loan loss allowance to noncurrent loans | 72.7014% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.5251% | 774 |
| Noncurrent loans to loans | 1.9438% | 772 |
| Net loans and leases to total assets | 76.4793% | 1,399 |
| Net loans and leases to deposits | 86.0319% | 2,128 |
| Net loans and leases to core deposits | 109.8782% | 934 |
| Total domestic deposits to total assets | 88.8964% | 908 |
| Equity capital to assets | 10.7478% | 3,108 |
| Core capital (leverage) ratio | 10.3789% | 3,185 |
| Tier 1 risk-based capital ratio | 13.1775% | 3,786 |
| Total risk-based capital ratio | 14.4295% | 3,696 |
| Memoranda: | ||
| Average total assets | $232,888,000 | 2,618 |
| Average earning assets | $220,859,000 | 2,584 |
| Average equity | $24,804,000 | 2,735 |
| Average total loans | $181,542,000 | 2,353 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0803% | 890 |
| Cost of funding earning assets | 0.9242% | 1,011 |
| Net interest margin | 4.1561% | 1,513 |
| Noninterest income to average assets | 0.3627% | 3,667 |
| Noninterest expense to average assets | 2.4052% | 3,865 |
| Loan and lease loss provision to assets | 0.2927% | 555 |
| Net operating income to assets | 1.5835% | 915 |
| Return on assets (ROA) | 1.5835% | 905 |
| Pretax return on assets | 1.6013% | 1,466 |
| Return on Equity (ROE) | 14.8789% | 859 |
| Retained earnings to average equity (ytd only) | 5.2541% | 2,625 |
| Net charge-offs to loans | 0.2399% | 813 |
| Credit loss provision to net charge-offs | 156.0284% | 1,779 |
| Earnings coverage of net charge-offs (x) | 10.0969% | 2,755 |
| Efficiency ratio | 55.2759% | 4,489 |
| Assets per employee ($millions) | 5.0610% | 2,418 |
| Cash dividends to net income (ytd only)* | 64.6878% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 1,944 |
| Loan loss allowance to noncurrent loans | 84.0307% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.3028% | 976 |
| Noncurrent loans to loans | 1.5727% | 938 |
| Net loans and leases to total assets | 77.2945% | 1,391 |
| Net loans and leases to deposits | 86.7683% | 2,182 |
| Net loans and leases to core deposits | 108.9109% | 1,056 |
| Total domestic deposits to total assets | 89.0815% | 826 |
| Equity capital to assets | 10.5534% | 3,127 |
| Core capital (leverage) ratio | 10.1004% | 3,461 |
| Tier 1 risk-based capital ratio | 12.8619% | 3,926 |
| Total risk-based capital ratio | 14.1127% | 3,823 |
| Memoranda: | ||
| Average total assets | $225,506,800 | 2,646 |
| Average earning assets | $213,591,800 | 2,613 |
| Average equity | $24,000,400 | 2,731 |
| Average total loans | $176,319,800 | 2,362 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0330% | 877 |
| Cost of funding earning assets | 0.8585% | 1,080 |
| Net interest margin | 4.1744% | 1,431 |
| Noninterest income to average assets | 0.3606% | 3,724 |
| Noninterest expense to average assets | 2.4171% | 3,818 |
| Loan and lease loss provision to assets | 0.2861% | 523 |
| Net operating income to assets | 1.5957% | 970 |
| Return on assets (ROA) | 1.5957% | 975 |
| Pretax return on assets | 1.6136% | 1,535 |
| Return on Equity (ROE) | 14.9602% | 885 |
| Retained earnings to average equity (ytd only) | 5.2420% | 3,092 |
| Net charge-offs to loans | 0.1228% | 1,282 |
| Credit loss provision to net charge-offs | 298.1366% | 1,030 |
| Earnings coverage of net charge-offs (x) | 19.7952% | 1,981 |
| Efficiency ratio | 55.3162% | 4,471 |
| Assets per employee ($millions) | 5.2554% | 2,166 |
| Cash dividends to net income (ytd only)* | 64.9609% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 1,775 |
| Loan loss allowance to noncurrent loans | 104.2660% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.0533% | 1,372 |
| Noncurrent loans to loans | 1.3256% | 1,258 |
| Net loans and leases to total assets | 75.2159% | 1,780 |
| Net loans and leases to deposits | 84.1391% | 2,586 |
| Net loans and leases to core deposits | 106.5475% | 1,266 |
| Total domestic deposits to total assets | 89.3947% | 706 |
| Equity capital to assets | 10.2159% | 3,435 |
| Core capital (leverage) ratio | 10.5164% | 3,063 |
| Tier 1 risk-based capital ratio | 12.7579% | 4,045 |
| Total risk-based capital ratio | 14.0092% | 3,949 |
| Memoranda: | ||
| Average total assets | $223,681,750 | 2,678 |
| Average earning assets | $211,984,250 | 2,636 |
| Average equity | $23,858,250 | 2,751 |
| Average total loans | $174,810,500 | 2,391 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 772 |
| Cost of funding earning assets | 0.8092% | 1,088 |
| Net interest margin | 4.2197% | 1,236 |
| Noninterest income to average assets | 0.3728% | 3,665 |
| Noninterest expense to average assets | 2.4611% | 3,741 |
| Loan and lease loss provision to assets | 0.3008% | 463 |
| Net operating income to assets | 1.5952% | 927 |
| Return on assets (ROA) | 1.5952% | 936 |
| Pretax return on assets | 1.6134% | 1,460 |
| Return on Equity (ROE) | 14.7321% | 909 |
| Retained earnings to average equity (ytd only) | 3.8977% | 3,655 |
| Net charge-offs to loans | 0.1179% | 1,221 |
| Credit loss provision to net charge-offs | 323.5294% | 954 |
| Earnings coverage of net charge-offs (x) | 20.5882% | 1,804 |
| Efficiency ratio | 55.5625% | 4,535 |
| Assets per employee ($millions) | 4.6998% | 2,815 |
| Cash dividends to net income (ytd only)* | 73.5429% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 1,836 |
| Loan loss allowance to noncurrent loans | 106.0512% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.0883% | 1,361 |
| Noncurrent loans to loans | 1.2952% | 1,317 |
| Net loans and leases to total assets | 78.0445% | 1,304 |
| Net loans and leases to deposits | 87.8714% | 2,126 |
| Net loans and leases to core deposits | 107.1236% | 1,174 |
| Total domestic deposits to total assets | 88.8167% | 1,008 |
| Equity capital to assets | 10.7795% | 2,854 |
| Core capital (leverage) ratio | 10.5025% | 3,027 |
| Tier 1 risk-based capital ratio | 12.9974% | 3,896 |
| Total risk-based capital ratio | 14.2490% | 3,814 |
| Memoranda: | ||
| Average total assets | $219,411,000 | 2,735 |
| Average earning assets | $208,116,670 | 2,684 |
| Average equity | $23,757,670 | 2,773 |
| Average total loans | $172,956,000 | 2,420 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9591% | 765 |
| Cost of funding earning assets | 0.7911% | 986 |
| Net interest margin | 4.1679% | 1,251 |
| Noninterest income to average assets | 0.3695% | 3,663 |
| Noninterest expense to average assets | 2.5372% | 3,537 |
| Loan and lease loss provision to assets | 0.2744% | 499 |
| Net operating income to assets | 1.4908% | 1,105 |
| Return on assets (ROA) | 1.4908% | 1,110 |
| Pretax return on assets | 1.5091% | 1,666 |
| Return on Equity (ROE) | 13.7373% | 1,072 |
| Retained earnings to average equity (ytd only) | 6.7085% | 2,411 |
| Net charge-offs to loans | 0.2302% | 651 |
| Credit loss provision to net charge-offs | 151.5152% | 1,224 |
| Earnings coverage of net charge-offs (x) | 9.8485% | 1,940 |
| Efficiency ratio | 58.0440% | 4,333 |
| Assets per employee ($millions) | 4.8900% | 2,623 |
| Cash dividends to net income (ytd only)* | 51.1656% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,283 |
| Loan loss allowance to noncurrent loans | 58.1894% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.8005% | 678 |
| Noncurrent loans to loans | 2.2198% | 674 |
| Net loans and leases to total assets | 77.2359% | 1,354 |
| Net loans and leases to deposits | 86.9371% | 2,057 |
| Net loans and leases to core deposits | 105.4533% | 1,282 |
| Total domestic deposits to total assets | 88.8411% | 1,185 |
| Equity capital to assets | 10.8322% | 2,740 |
| Core capital (leverage) ratio | 10.5209% | 2,922 |
| Tier 1 risk-based capital ratio | 13.4160% | 3,711 |
| Total risk-based capital ratio | 14.6667% | 3,616 |
| Memoranda: | ||
| Average total assets | $218,670,500 | 2,769 |
| Average earning assets | $207,297,000 | 2,719 |
| Average equity | $23,731,000 | 2,797 |
| Average total loans | $172,036,500 | 2,448 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0179% | 626 |
| Cost of funding earning assets | 0.6965% | 1,043 |
| Net interest margin | 4.3214% | 922 |
| Noninterest income to average assets | 0.3611% | 3,883 |
| Noninterest expense to average assets | 2.6058% | 3,426 |
| Loan and lease loss provision to assets | 0.3377% | 487 |
| Net operating income to assets | 1.4830% | 843 |
| Return on assets (ROA) | 1.5942% | 677 |
| Pretax return on assets | 1.6143% | 1,254 |
| Return on Equity (ROE) | 14.7003% | 657 |
| Retained earnings to average equity (ytd only) | 5.3715% | 1,885 |
| Net charge-offs to loans | 0.1922% | 1,322 |
| Credit loss provision to net charge-offs | 228.5714% | 1,212 |
| Earnings coverage of net charge-offs (x) | 12.4603% | 2,473 |
| Efficiency ratio | 57.9158% | 4,538 |
| Assets per employee ($millions) | 4.9385% | 2,558 |
| Cash dividends to net income (ytd only)* | 63.4598% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,404 |
| Loan loss allowance to noncurrent loans | 54.5569% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.8330% | 665 |
| Noncurrent loans to loans | 2.3171% | 607 |
| Net loans and leases to total assets | 78.1065% | 1,277 |
| Net loans and leases to deposits | 88.7318% | 1,934 |
| Net loans and leases to core deposits | 107.9733% | 1,132 |
| Total domestic deposits to total assets | 88.0254% | 1,488 |
| Equity capital to assets | 10.8729% | 2,760 |
| Core capital (leverage) ratio | 10.3114% | 3,059 |
| Tier 1 risk-based capital ratio | 13.2389% | 3,766 |
| Total risk-based capital ratio | 14.4894% | 3,696 |
| Memoranda: | ||
| Average total assets | $213,216,400 | 2,786 |
| Average earning assets | $201,577,800 | 2,752 |
| Average equity | $23,122,000 | 2,848 |
| Average total loans | $163,867,000 | 2,497 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9800% | 638 |
| Cost of funding earning assets | 0.6744% | 1,098 |
| Net interest margin | 4.3057% | 911 |
| Noninterest income to average assets | 0.3569% | 3,978 |
| Noninterest expense to average assets | 2.6434% | 3,273 |
| Loan and lease loss provision to assets | 0.3581% | 409 |
| Net operating income to assets | 1.4075% | 1,067 |
| Return on assets (ROA) | 1.5564% | 814 |
| Pretax return on assets | 1.5721% | 1,510 |
| Return on Equity (ROE) | 14.3615% | 763 |
| Retained earnings to average equity (ytd only) | 5.1138% | 2,804 |
| Net charge-offs to loans | 0.0816% | 1,985 |
| Credit loss provision to net charge-offs | 575.7576% | 558 |
| Earnings coverage of net charge-offs (x) | 28.6357% | 1,601 |
| Efficiency ratio | 59.0457% | 4,346 |
| Assets per employee ($millions) | 4.8640% | 2,614 |
| Cash dividends to net income (ytd only)* | 64.3924% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 2,064 |
| Loan loss allowance to noncurrent loans | 53.8351% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 1.9001% | 708 |
| Noncurrent loans to loans | 2.5328% | 596 |
| Net loans and leases to total assets | 73.9976% | 1,919 |
| Net loans and leases to deposits | 83.2567% | 2,632 |
| Net loans and leases to core deposits | 100.2290% | 1,685 |
| Total domestic deposits to total assets | 88.8788% | 937 |
| Equity capital to assets | 10.7091% | 3,156 |
| Core capital (leverage) ratio | 10.2986% | 3,205 |
| Tier 1 risk-based capital ratio | 13.2965% | 3,825 |
| Total risk-based capital ratio | 14.5475% | 3,736 |
| Memoranda: | ||
| Average total assets | $212,197,250 | 2,821 |
| Average earning assets | $200,475,500 | 2,792 |
| Average equity | $22,996,000 | 2,880 |
| Average total loans | $161,860,500 | 2,536 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 615 |
| Cost of funding earning assets | 0.6458% | 1,167 |
| Net interest margin | 4.3045% | 846 |
| Noninterest income to average assets | 0.3601% | 3,981 |
| Noninterest expense to average assets | 2.6975% | 3,098 |
| Loan and lease loss provision to assets | 0.3572% | 397 |
| Net operating income to assets | 1.3535% | 1,169 |
| Return on assets (ROA) | 1.4783% | 924 |
| Pretax return on assets | 1.4935% | 1,669 |
| Return on Equity (ROE) | 13.5854% | 895 |
| Retained earnings to average equity (ytd only) | 4.6481% | 2,945 |
| Net charge-offs to loans | 0.1018% | 1,605 |
| Credit loss provision to net charge-offs | 457.3171% | 708 |
| Earnings coverage of net charge-offs (x) | 22.0976% | 1,724 |
| Efficiency ratio | 60.2929% | 4,278 |
| Assets per employee ($millions) | 4.3656% | 3,319 |
| Cash dividends to net income (ytd only)* | 65.7861% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,564 |
| Loan loss allowance to noncurrent loans | 50.1947% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.9204% | 688 |
| Noncurrent loans to loans | 2.5335% | 585 |
| Net loans and leases to total assets | 74.8359% | 1,724 |
| Net loans and leases to deposits | 84.3077% | 2,434 |
| Net loans and leases to core deposits | 102.5023% | 1,467 |
| Total domestic deposits to total assets | 88.7652% | 1,070 |
| Equity capital to assets | 10.8370% | 2,988 |
| Core capital (leverage) ratio | 10.5786% | 2,834 |
| Tier 1 risk-based capital ratio | 13.1522% | 3,916 |
| Total risk-based capital ratio | 14.3985% | 3,819 |
| Memoranda: | ||
| Average total assets | $209,969,670 | 2,864 |
| Average earning assets | $198,209,670 | 2,822 |
| Average equity | $22,848,000 | 2,895 |
| Average total loans | $161,079,000 | 2,543 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 530 |
| Cost of funding earning assets | 0.6386% | 1,140 |
| Net interest margin | 4.3599% | 687 |
| Noninterest income to average assets | 0.3404% | 4,124 |
| Noninterest expense to average assets | 2.7693% | 2,890 |
| Loan and lease loss provision to assets | 0.3750% | 303 |
| Net operating income to assets | 1.2923% | 1,261 |
| Return on assets (ROA) | 1.5443% | 776 |
| Pretax return on assets | 1.5577% | 1,351 |
| Return on Equity (ROE) | 14.1616% | 772 |
| Retained earnings to average equity (ytd only) | 2.3632% | 4,195 |
| Net charge-offs to loans | 0.1794% | 936 |
| Credit loss provision to net charge-offs | 270.8333% | 840 |
| Earnings coverage of net charge-offs (x) | 12.1389% | 1,852 |
| Efficiency ratio | 61.5385% | 4,220 |
| Assets per employee ($millions) | 4.4441% | 3,264 |
| Cash dividends to net income (ytd only)* | 83.3126% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 3,383 |
| Loan loss allowance to noncurrent loans | 42.6285% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 2.1238% | 599 |
| Noncurrent loans to loans | 2.7098% | 557 |
| Net loans and leases to total assets | 77.4689% | 1,202 |
| Net loans and leases to deposits | 88.2900% | 1,759 |
| Net loans and leases to core deposits | 107.5285% | 993 |
| Total domestic deposits to total assets | 87.7436% | 1,868 |
| Equity capital to assets | 10.8967% | 2,746 |
| Core capital (leverage) ratio | 10.3330% | 3,077 |
| Tier 1 risk-based capital ratio | 12.8681% | 4,161 |
| Total risk-based capital ratio | 14.0065% | 4,122 |
| Memoranda: | ||
| Average total assets | $207,996,500 | 2,907 |
| Average earning assets | $196,060,000 | 2,867 |
| Average equity | $22,681,000 | 2,928 |
| Average total loans | $160,544,500 | 2,572 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0724% | 526 |
| Cost of funding earning assets | 0.5714% | 1,534 |
| Net interest margin | 4.5010% | 620 |
| Noninterest income to average assets | 0.3792% | 4,040 |
| Noninterest expense to average assets | 2.8573% | 2,824 |
| Loan and lease loss provision to assets | 0.4834% | 291 |
| Net operating income to assets | 1.2557% | 1,342 |
| Return on assets (ROA) | 1.3390% | 1,178 |
| Pretax return on assets | 1.3565% | 2,077 |
| Return on Equity (ROE) | 11.9279% | 1,265 |
| Retained earnings to average equity (ytd only) | 5.3816% | 2,088 |
| Net charge-offs to loans | 0.6226% | 365 |
| Credit loss provision to net charge-offs | 105.1198% | 2,468 |
| Earnings coverage of net charge-offs (x) | 3.8181% | 3,604 |
| Efficiency ratio | 61.2336% | 4,378 |
| Assets per employee ($millions) | 4.4069% | 3,267 |
| Cash dividends to net income (ytd only)* | 54.8822% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,589 |
| Loan loss allowance to noncurrent loans | 67.6876% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.2819% | 1,385 |
| Noncurrent loans to loans | 1.6596% | 1,163 |
| Net loans and leases to total assets | 75.1345% | 1,670 |
| Net loans and leases to deposits | 84.6796% | 2,339 |
| Net loans and leases to core deposits | 103.0187% | 1,357 |
| Total domestic deposits to total assets | 88.7279% | 1,249 |
| Equity capital to assets | 10.9124% | 2,700 |
| Core capital (leverage) ratio | 10.8649% | 2,476 |
| Tier 1 risk-based capital ratio | 13.3442% | 3,865 |
| Total risk-based capital ratio | 14.4485% | 3,871 |
| Memoranda: | ||
| Average total assets | $199,626,200 | 2,960 |
| Average earning assets | $187,782,400 | 2,920 |
| Average equity | $22,409,600 | 2,952 |
| Average total loans | $147,441,400 | 2,675 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1093% | 490 |
| Cost of funding earning assets | 0.5676% | 1,561 |
| Net interest margin | 4.5416% | 569 |
| Noninterest income to average assets | 0.3755% | 4,095 |
| Noninterest expense to average assets | 2.9059% | 2,629 |
| Loan and lease loss provision to assets | 0.4281% | 324 |
| Net operating income to assets | 1.3085% | 1,267 |
| Return on assets (ROA) | 1.4206% | 1,079 |
| Pretax return on assets | 1.4381% | 1,919 |
| Return on Equity (ROE) | 12.5629% | 1,155 |
| Retained earnings to average equity (ytd only) | 5.5868% | 2,438 |
| Net charge-offs to loans | 0.6080% | 341 |
| Credit loss provision to net charge-offs | 96.0666% | 2,438 |
| Earnings coverage of net charge-offs (x) | 3.9334% | 3,336 |
| Efficiency ratio | 61.6643% | 4,283 |
| Assets per employee ($millions) | 4.4078% | 3,234 |
| Cash dividends to net income (ytd only)* | 55.5292% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 3,597 |
| Loan loss allowance to noncurrent loans | 39.2725% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 2.1976% | 667 |
| Noncurrent loans to loans | 2.9082% | 536 |
| Net loans and leases to total assets | 73.9657% | 1,873 |
| Net loans and leases to deposits | 83.9572% | 2,484 |
| Net loans and leases to core deposits | 100.2994% | 1,608 |
| Total domestic deposits to total assets | 88.0993% | 1,353 |
| Equity capital to assets | 11.4641% | 2,540 |
| Core capital (leverage) ratio | 10.9226% | 2,538 |
| Tier 1 risk-based capital ratio | 13.8481% | 3,638 |
| Total risk-based capital ratio | 14.9592% | 3,651 |
| Memoranda: | ||
| Average total assets | $197,752,250 | 2,993 |
| Average earning assets | $186,506,500 | 2,949 |
| Average equity | $22,361,500 | 2,981 |
| Average total loans | $144,954,750 | 2,708 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 519 |
| Cost of funding earning assets | 0.5610% | 1,606 |
| Net interest margin | 4.5053% | 616 |
| Noninterest income to average assets | 0.3523% | 4,258 |
| Noninterest expense to average assets | 2.8894% | 2,715 |
| Loan and lease loss provision to assets | 0.4151% | 359 |
| Net operating income to assets | 1.2844% | 1,318 |
| Return on assets (ROA) | 1.4528% | 1,018 |
| Pretax return on assets | 1.4700% | 1,773 |
| Return on Equity (ROE) | 12.9072% | 1,053 |
| Retained earnings to average equity (ytd only) | 5.4777% | 2,431 |
| Net charge-offs to loans | 0.8553% | 231 |
| Credit loss provision to net charge-offs | 66.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | 2.7545% | 3,212 |
| Efficiency ratio | 62.0493% | 4,342 |
| Assets per employee ($millions) | 4.0314% | 3,844 |
| Cash dividends to net income (ytd only)* | 57.5610% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 4,268 |
| Loan loss allowance to noncurrent loans | 37.2390% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 2.0826% | 765 |
| Noncurrent loans to loans | 2.7982% | 565 |
| Net loans and leases to total assets | 72.8822% | 2,027 |
| Net loans and leases to deposits | 82.6497% | 2,631 |
| Net loans and leases to core deposits | 99.2616% | 1,690 |
| Total domestic deposits to total assets | 88.1820% | 1,332 |
| Equity capital to assets | 11.4019% | 2,635 |
| Core capital (leverage) ratio | 10.6223% | 2,827 |
| Tier 1 risk-based capital ratio | 13.9399% | 3,639 |
| Total risk-based capital ratio | 14.9553% | 3,695 |
| Memoranda: | ||
| Average total assets | $197,553,000 | 3,006 |
| Average earning assets | $186,448,330 | 2,968 |
| Average equity | $22,235,670 | 2,999 |
| Average total loans | $143,804,330 | 2,725 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 695 |
| Cost of funding earning assets | 0.5364% | 1,817 |
| Net interest margin | 4.3621% | 807 |
| Noninterest income to average assets | 0.4171% | 3,704 |
| Noninterest expense to average assets | 2.8649% | 2,832 |
| Loan and lease loss provision to assets | 0.4049% | 340 |
| Net operating income to assets | 1.2452% | 1,419 |
| Return on assets (ROA) | 1.2452% | 1,521 |
| Pretax return on assets | 1.2634% | 2,454 |
| Return on Equity (ROE) | 11.1353% | 1,553 |
| Retained earnings to average equity (ytd only) | 4.9792% | 2,952 |
| Net charge-offs to loans | 0.3833% | 581 |
| Credit loss provision to net charge-offs | 145.9854% | 1,294 |
| Earnings coverage of net charge-offs (x) | 6.0146% | 2,273 |
| Efficiency ratio | 62.4833% | 4,375 |
| Assets per employee ($millions) | 4.4292% | 3,203 |
| Cash dividends to net income (ytd only)* | 55.2846% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 3,244 |
| Loan loss allowance to noncurrent loans | 51.8153% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 2.1148% | 801 |
| Noncurrent loans to loans | 2.3966% | 810 |
| Net loans and leases to total assets | 71.1844% | 2,157 |
| Net loans and leases to deposits | 80.4978% | 2,731 |
| Net loans and leases to core deposits | 97.4752% | 1,673 |
| Total domestic deposits to total assets | 88.4302% | 1,387 |
| Equity capital to assets | 11.1800% | 2,741 |
| Core capital (leverage) ratio | 10.4793% | 2,991 |
| Tier 1 risk-based capital ratio | 13.6888% | 3,877 |
| Total risk-based capital ratio | 14.8809% | 3,841 |
| Memoranda: | ||
| Average total assets | $197,560,500 | 3,014 |
| Average earning assets | $186,423,500 | 2,979 |
| Average equity | $22,092,000 | 3,015 |
| Average total loans | $142,963,500 | 2,737 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1382% | 482 |
| Cost of funding earning assets | 0.5741% | 1,562 |
| Net interest margin | 4.5640% | 589 |
| Noninterest income to average assets | 0.4882% | 3,407 |
| Noninterest expense to average assets | 2.9947% | 2,566 |
| Loan and lease loss provision to assets | 0.4047% | 332 |
| Net operating income to assets | 1.3988% | 1,040 |
| Return on assets (ROA) | 1.3988% | 1,083 |
| Pretax return on assets | 1.4102% | 1,856 |
| Return on Equity (ROE) | 13.1508% | 1,022 |
| Retained earnings to average equity (ytd only) | 1.9132% | 4,636 |
| Net charge-offs to loans | 0.4318% | 645 |
| Credit loss provision to net charge-offs | 132.8330% | 1,970 |
| Earnings coverage of net charge-offs (x) | 5.9568% | 3,300 |
| Efficiency ratio | 62.0751% | 4,591 |
| Assets per employee ($millions) | 4.2567% | 3,474 |
| Cash dividends to net income (ytd only)* | 85.4516% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 3,422 |
| Loan loss allowance to noncurrent loans | 68.8400% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.4269% | 1,466 |
| Noncurrent loans to loans | 1.7573% | 1,271 |
| Net loans and leases to total assets | 71.7756% | 2,092 |
| Net loans and leases to deposits | 81.1998% | 2,689 |
| Net loans and leases to core deposits | 94.9519% | 1,947 |
| Total domestic deposits to total assets | 88.3938% | 1,426 |
| Equity capital to assets | 11.1849% | 2,645 |
| Core capital (leverage) ratio | 10.4325% | 3,017 |
| Tier 1 risk-based capital ratio | 13.7562% | 3,851 |
| Total risk-based capital ratio | 14.9202% | 3,837 |
| Memoranda: | ||
| Average total assets | $174,940,400 | 3,233 |
| Average earning assets | $165,642,600 | 3,182 |
| Average equity | $18,607,200 | 3,305 |
| Average total loans | $123,444,200 | 3,002 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0948% | 521 |
| Cost of funding earning assets | 0.5902% | 1,470 |
| Net interest margin | 4.5046% | 641 |
| Noninterest income to average assets | 0.4619% | 3,616 |
| Noninterest expense to average assets | 3.0119% | 2,485 |
| Loan and lease loss provision to assets | 0.4242% | 270 |
| Net operating income to assets | 1.2773% | 1,401 |
| Return on assets (ROA) | 1.2773% | 1,460 |
| Pretax return on assets | 1.2946% | 2,421 |
| Return on Equity (ROE) | 12.1906% | 1,320 |
| Retained earnings to average equity (ytd only) | -1.2295% | 5,784 |
| Net charge-offs to loans | 0.6041% | 373 |
| Credit loss provision to net charge-offs | 100.3717% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4.0669% | 3,404 |
| Efficiency ratio | 63.6666% | 4,307 |
| Assets per employee ($millions) | 4.4580% | 3,089 |
| Cash dividends to net income (ytd only)* | 110.0860% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 4,168 |
| Loan loss allowance to noncurrent loans | 76.1554% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.1604% | 2,046 |
| Noncurrent loans to loans | 1.4574% | 1,717 |
| Net loans and leases to total assets | 68.7990% | 2,566 |
| Net loans and leases to deposits | 77.4735% | 3,152 |
| Net loans and leases to core deposits | 89.8175% | 2,486 |
| Total domestic deposits to total assets | 88.8033% | 1,123 |
| Equity capital to assets | 10.7237% | 3,333 |
| Core capital (leverage) ratio | 10.2360% | 3,322 |
| Tier 1 risk-based capital ratio | 13.2816% | 4,270 |
| Total risk-based capital ratio | 14.3193% | 4,309 |
| Memoranda: | ||
| Average total assets | $169,723,250 | 3,336 |
| Average earning assets | $160,839,500 | 3,271 |
| Average equity | $17,783,750 | 3,439 |
| Average total loans | $118,739,250 | 3,094 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 481 |
| Cost of funding earning assets | 0.6043% | 1,380 |
| Net interest margin | 4.5178% | 619 |
| Noninterest income to average assets | 0.5068% | 3,327 |
| Noninterest expense to average assets | 3.1074% | 2,229 |
| Loan and lease loss provision to assets | 0.4077% | 277 |
| Net operating income to assets | 1.2683% | 1,405 |
| Return on assets (ROA) | 1.2683% | 1,465 |
| Pretax return on assets | 1.2871% | 2,411 |
| Return on Equity (ROE) | 12.2244% | 1,307 |
| Retained earnings to average equity (ytd only) | 4.8607% | 2,949 |
| Net charge-offs to loans | 0.8247% | 252 |
| Credit loss provision to net charge-offs | 70.4989% | 2,460 |
| Earnings coverage of net charge-offs (x) | 2.9306% | 3,269 |
| Efficiency ratio | 64.7074% | 4,241 |
| Assets per employee ($millions) | 4.0789% | 3,725 |
| Cash dividends to net income (ytd only)* | 60.2374% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 3,766 |
| Loan loss allowance to noncurrent loans | 48.0573% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 1.8228% | 1,261 |
| Noncurrent loans to loans | 2.5059% | 888 |
| Net loans and leases to total assets | 70.8970% | 2,180 |
| Net loans and leases to deposits | 80.6470% | 2,703 |
| Net loans and leases to core deposits | 94.4462% | 1,915 |
| Total domestic deposits to total assets | 87.9103% | 1,697 |
| Equity capital to assets | 10.1327% | 3,894 |
| Core capital (leverage) ratio | 9.6289% | 4,102 |
| Tier 1 risk-based capital ratio | 12.1643% | 5,026 |
| Total risk-based capital ratio | 13.2820% | 5,028 |
| Memoranda: | ||
| Average total assets | $159,427,000 | 3,496 |
| Average earning assets | $151,578,000 | 3,425 |
| Average equity | $16,540,670 | 3,633 |
| Average total loans | $111,796,330 | 3,214 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0601% | 519 |
| Cost of funding earning assets | 0.5944% | 1,474 |
| Net interest margin | 4.4657% | 643 |
| Noninterest income to average assets | 0.4925% | 3,331 |
| Noninterest expense to average assets | 3.0743% | 2,346 |
| Loan and lease loss provision to assets | 0.3808% | 321 |
| Net operating income to assets | 1.2541% | 1,394 |
| Return on assets (ROA) | 1.2541% | 1,481 |
| Pretax return on assets | 1.2719% | 2,382 |
| Return on Equity (ROE) | 11.9432% | 1,366 |
| Retained earnings to average equity (ytd only) | 4.0375% | 3,582 |
| Net charge-offs to loans | 0.9748% | 242 |
| Credit loss provision to net charge-offs | 56.3910% | 2,040 |
| Earnings coverage of net charge-offs (x) | 2.4474% | 2,752 |
| Efficiency ratio | 65.0376% | 4,313 |
| Assets per employee ($millions) | 4.0828% | 3,800 |
| Cash dividends to net income (ytd only)* | 66.1943% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 3,493 |
| Loan loss allowance to noncurrent loans | 170.8483% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 3,840 |
| Noncurrent loans to loans | 0.7513% | 3,383 |
| Net loans and leases to total assets | 69.0678% | 2,272 |
| Net loans and leases to deposits | 77.6250% | 2,858 |
| Net loans and leases to core deposits | 90.7887% | 2,057 |
| Total domestic deposits to total assets | 88.9763% | 1,288 |
| Equity capital to assets | 10.4975% | 3,537 |
| Core capital (leverage) ratio | 9.6574% | 4,063 |
| Tier 1 risk-based capital ratio | 12.5896% | 4,844 |
| Total risk-based capital ratio | 13.7802% | 4,796 |
| Memoranda: | ||
| Average total assets | $157,563,000 | 3,546 |
| Average earning assets | $149,405,500 | 3,477 |
| Average equity | $16,545,000 | 3,660 |
| Average total loans | $109,153,500 | 3,275 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1679% | 555 |
| Cost of funding earning assets | 0.5200% | 2,491 |
| Net interest margin | 4.6479% | 571 |
| Noninterest income to average assets | 0.5029% | 3,481 |
| Noninterest expense to average assets | 2.9432% | 3,019 |
| Loan and lease loss provision to assets | 0.3751% | 497 |
| Net operating income to assets | 1.5464% | 798 |
| Return on assets (ROA) | 1.5684% | 794 |
| Pretax return on assets | 1.5872% | 1,276 |
| Return on Equity (ROE) | 15.1789% | 751 |
| Retained earnings to average equity (ytd only) | 7.8595% | 1,070 |
| Net charge-offs to loans | 0.1240% | 2,790 |
| Credit loss provision to net charge-offs | 453.6585% | 577 |
| Earnings coverage of net charge-offs (x) | 23.4634% | 1,581 |
| Efficiency ratio | 60.2698% | 5,185 |
| Assets per employee ($millions) | 4.1026% | 3,718 |
| Cash dividends to net income (ytd only)* | 48.2212% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 2,711 |
| Loan loss allowance to noncurrent loans | 236.3914% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 4,425 |
| Noncurrent loans to loans | 0.6118% | 3,847 |
| Net loans and leases to total assets | 67.5799% | 2,631 |
| Net loans and leases to deposits | 75.7143% | 3,229 |
| Net loans and leases to core deposits | 88.8172% | 2,404 |
| Total domestic deposits to total assets | 89.2564% | 1,091 |
| Equity capital to assets | 10.5037% | 3,475 |
| Core capital (leverage) ratio | 9.6754% | 4,009 |
| Tier 1 risk-based capital ratio | 13.0119% | 4,727 |
| Total risk-based capital ratio | 14.2632% | 4,634 |
| Memoranda: | ||
| Average total assets | $148,750,200 | 3,650 |
| Average earning assets | $140,191,400 | 3,607 |
| Average equity | $15,370,000 | 3,768 |
| Average total loans | $99,200,600 | 3,441 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1666% | 558 |
| Cost of funding earning assets | 0.4882% | 2,880 |
| Net interest margin | 4.6785% | 525 |
| Noninterest income to average assets | 0.4981% | 3,563 |
| Noninterest expense to average assets | 2.9902% | 2,836 |
| Loan and lease loss provision to assets | 0.3928% | 437 |
| Net operating income to assets | 1.5081% | 926 |
| Return on assets (ROA) | 1.5378% | 900 |
| Pretax return on assets | 1.5532% | 1,472 |
| Return on Equity (ROE) | 14.9479% | 838 |
| Retained earnings to average equity (ytd only) | 8.1663% | 1,283 |
| Net charge-offs to loans | 0.1247% | 2,561 |
| Credit loss provision to net charge-offs | 475.8242% | 595 |
| Earnings coverage of net charge-offs (x) | 23.2089% | 1,597 |
| Efficiency ratio | 60.9467% | 5,050 |
| Assets per employee ($millions) | 4.1726% | 3,530 |
| Cash dividends to net income (ytd only)* | 45.3689% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 3,273 |
| Loan loss allowance to noncurrent loans | 255.6338% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 4,825 |
| Noncurrent loans to loans | 0.5393% | 4,317 |
| Net loans and leases to total assets | 67.2783% | 2,651 |
| Net loans and leases to deposits | 76.5708% | 3,119 |
| Net loans and leases to core deposits | 90.6852% | 2,159 |
| Total domestic deposits to total assets | 87.8643% | 1,833 |
| Equity capital to assets | 10.2781% | 3,816 |
| Core capital (leverage) ratio | 10.0378% | 3,626 |
| Tier 1 risk-based capital ratio | 12.9666% | 4,885 |
| Total risk-based capital ratio | 14.2172% | 4,803 |
| Memoranda: | ||
| Average total assets | $146,963,500 | 3,707 |
| Average earning assets | $138,475,250 | 3,653 |
| Average equity | $15,118,750 | 3,832 |
| Average total loans | $97,275,500 | 3,506 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0889% | 628 |
| Cost of funding earning assets | 0.4886% | 2,937 |
| Net interest margin | 4.6004% | 584 |
| Noninterest income to average assets | 0.4872% | 3,577 |
| Noninterest expense to average assets | 3.0397% | 2,692 |
| Loan and lease loss provision to assets | 0.3350% | 554 |
| Net operating income to assets | 1.4259% | 1,010 |
| Return on assets (ROA) | 1.4437% | 1,015 |
| Pretax return on assets | 1.4576% | 1,682 |
| Return on Equity (ROE) | 14.0292% | 950 |
| Retained earnings to average equity (ytd only) | 7.3441% | 1,588 |
| Net charge-offs to loans | 0.3087% | 1,312 |
| Credit loss provision to net charge-offs | 165.7534% | 1,360 |
| Earnings coverage of net charge-offs (x) | 8.7808% | 2,445 |
| Efficiency ratio | 63.1397% | 4,833 |
| Assets per employee ($millions) | 4.0160% | 3,804 |
| Cash dividends to net income (ytd only)* | 47.6510% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 3,861 |
| Loan loss allowance to noncurrent loans | 211.5789% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 4,831 |
| Noncurrent loans to loans | 0.6132% | 4,185 |
| Net loans and leases to total assets | 63.4587% | 3,168 |
| Net loans and leases to deposits | 71.2170% | 3,677 |
| Net loans and leases to core deposits | 82.7405% | 2,892 |
| Total domestic deposits to total assets | 89.1061% | 1,298 |
| Equity capital to assets | 10.6954% | 3,205 |
| Core capital (leverage) ratio | 10.0248% | 3,579 |
| Tier 1 risk-based capital ratio | 14.1374% | 4,166 |
| Total risk-based capital ratio | 15.3278% | 4,140 |
| Memoranda: | ||
| Average total assets | $144,489,000 | 3,771 |
| Average earning assets | $135,902,670 | 3,711 |
| Average equity | $14,869,000 | 3,880 |
| Average total loans | $94,593,670 | 3,576 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0535% | 648 |
| Cost of funding earning assets | 0.4842% | 3,071 |
| Net interest margin | 4.5693% | 586 |
| Noninterest income to average assets | 0.4403% | 3,870 |
| Noninterest expense to average assets | 3.0378% | 2,736 |
| Loan and lease loss provision to assets | 0.3378% | 530 |
| Net operating income to assets | 1.3632% | 1,070 |
| Return on assets (ROA) | 1.4372% | 957 |
| Pretax return on assets | 1.4511% | 1,584 |
| Return on Equity (ROE) | 14.2465% | 899 |
| Retained earnings to average equity (ytd only) | 6.8350% | 2,126 |
| Net charge-offs to loans | 0.0797% | 2,358 |
| Credit loss provision to net charge-offs | 642.1053% | 446 |
| Earnings coverage of net charge-offs (x) | 32.5789% | 996 |
| Efficiency ratio | 63.9277% | 4,869 |
| Assets per employee ($millions) | 4.0261% | 3,898 |
| Cash dividends to net income (ytd only)* | 52.0231% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 4,145 |
| Loan loss allowance to noncurrent loans | 62.6419% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.3371% | 2,645 |
| Noncurrent loans to loans | 2.0691% | 1,790 |
| Net loans and leases to total assets | 63.7836% | 2,933 |
| Net loans and leases to deposits | 71.2338% | 3,439 |
| Net loans and leases to core deposits | 84.1822% | 2,492 |
| Total domestic deposits to total assets | 89.5412% | 1,351 |
| Equity capital to assets | 10.2284% | 3,566 |
| Core capital (leverage) ratio | 9.7844% | 3,886 |
| Tier 1 risk-based capital ratio | 13.6429% | 4,584 |
| Total risk-based capital ratio | 14.8230% | 4,577 |
| Memoranda: | ||
| Average total assets | $144,445,500 | 3,797 |
| Average earning assets | $136,302,000 | 3,725 |
| Average equity | $14,572,000 | 3,935 |
| Average total loans | $95,414,500 | 3,574 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2599% | 569 |
| Cost of funding earning assets | 0.4928% | 3,676 |
| Net interest margin | 4.7671% | 459 |
| Noninterest income to average assets | 0.5062% | 3,717 |
| Noninterest expense to average assets | 2.8895% | 3,401 |
| Loan and lease loss provision to assets | 0.6528% | 364 |
| Net operating income to assets | 1.4415% | 934 |
| Return on assets (ROA) | 1.4430% | 972 |
| Pretax return on assets | 1.4581% | 1,594 |
| Return on Equity (ROE) | 14.0027% | 946 |
| Retained earnings to average equity (ytd only) | 8.5886% | 877 |
| Net charge-offs to loans | 1.2319% | 424 |
| Credit loss provision to net charge-offs | 79.5793% | 3,058 |
| Earnings coverage of net charge-offs (x) | 2.5714% | 4,146 |
| Efficiency ratio | 57.6154% | 5,781 |
| Assets per employee ($millions) | 3.9986% | 3,869 |
| Cash dividends to net income (ytd only)* | 38.6647% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 4,938 |
| Loan loss allowance to noncurrent loans | 135.4878% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 4,526 |
| Noncurrent loans to loans | 0.8439% | 3,872 |
| Net loans and leases to total assets | 66.7283% | 2,569 |
| Net loans and leases to deposits | 75.0127% | 3,097 |
| Net loans and leases to core deposits | 88.6919% | 2,165 |
| Total domestic deposits to total assets | 88.9560% | 1,661 |
| Equity capital to assets | 9.9471% | 3,840 |
| Core capital (leverage) ratio | 9.6862% | 4,008 |
| Tier 1 risk-based capital ratio | 13.1313% | 4,899 |
| Total risk-based capital ratio | 14.1889% | 4,974 |
| Memoranda: | ||
| Average total assets | $139,088,600 | 3,892 |
| Average earning assets | $131,086,000 | 3,822 |
| Average equity | $14,333,000 | 3,999 |
| Average total loans | $92,618,000 | 3,630 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 590 |
| Cost of funding earning assets | 0.4974% | 3,792 |
| Net interest margin | 4.7510% | 471 |
| Noninterest income to average assets | 0.5193% | 3,678 |
| Noninterest expense to average assets | 2.9099% | 3,272 |
| Loan and lease loss provision to assets | 0.6460% | 351 |
| Net operating income to assets | 1.4206% | 1,056 |
| Return on assets (ROA) | 1.4225% | 1,105 |
| Pretax return on assets | 1.4361% | 1,812 |
| Return on Equity (ROE) | 13.6803% | 1,075 |
| Retained earnings to average equity (ytd only) | 8.3514% | 1,269 |
| Net charge-offs to loans | 1.4750% | 324 |
| Credit loss provision to net charge-offs | 66.0079% | 3,157 |
| Earnings coverage of net charge-offs (x) | 2.1255% | 4,132 |
| Efficiency ratio | 58.0814% | 5,673 |
| Assets per employee ($millions) | 4.3111% | 3,206 |
| Cash dividends to net income (ytd only)* | 38.9531% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 5,505 |
| Loan loss allowance to noncurrent loans | 719.4245% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 6,147 |
| Noncurrent loans to loans | 0.1466% | 5,883 |
| Net loans and leases to total assets | 65.9593% | 2,644 |
| Net loans and leases to deposits | 73.4726% | 3,319 |
| Net loans and leases to core deposits | 85.1461% | 2,522 |
| Total domestic deposits to total assets | 89.7740% | 1,123 |
| Equity capital to assets | 9.9757% | 3,932 |
| Core capital (leverage) ratio | 9.9344% | 3,762 |
| Tier 1 risk-based capital ratio | 13.0185% | 5,107 |
| Total risk-based capital ratio | 13.9849% | 5,247 |
| Memoranda: | ||
| Average total assets | $137,873,000 | 3,953 |
| Average earning assets | $129,737,500 | 3,890 |
| Average equity | $14,336,500 | 4,053 |
| Average total loans | $91,480,750 | 3,679 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2585% | 572 |
| Cost of funding earning assets | 0.5304% | 3,599 |
| Net interest margin | 4.7282% | 482 |
| Noninterest income to average assets | 0.5264% | 3,654 |
| Noninterest expense to average assets | 2.9045% | 3,314 |
| Loan and lease loss provision to assets | 0.7697% | 284 |
| Net operating income to assets | 1.2844% | 1,364 |
| Return on assets (ROA) | 1.2873% | 1,451 |
| Pretax return on assets | 1.2990% | 2,304 |
| Return on Equity (ROE) | 12.2074% | 1,427 |
| Retained earnings to average equity (ytd only) | 6.6321% | 2,073 |
| Net charge-offs to loans | 2.2000% | 184 |
| Credit loss provision to net charge-offs | 52.8169% | 3,163 |
| Earnings coverage of net charge-offs (x) | 1.4175% | 4,063 |
| Efficiency ratio | 58.2006% | 5,707 |
| Assets per employee ($millions) | 4.1044% | 3,573 |
| Cash dividends to net income (ytd only)* | 45.6720% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 5,907 |
| Loan loss allowance to noncurrent loans | 211.1111% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 5,532 |
| Noncurrent loans to loans | 0.4625% | 5,107 |
| Net loans and leases to total assets | 65.4366% | 2,690 |
| Net loans and leases to deposits | 73.1742% | 3,267 |
| Net loans and leases to core deposits | 83.5147% | 2,624 |
| Total domestic deposits to total assets | 89.4259% | 1,365 |
| Equity capital to assets | 10.3615% | 3,478 |
| Core capital (leverage) ratio | 9.8094% | 3,779 |
| Tier 1 risk-based capital ratio | 13.2852% | 4,927 |
| Total risk-based capital ratio | 14.1745% | 5,139 |
| Memoranda: | ||
| Average total assets | $136,409,000 | 4,012 |
| Average earning assets | $128,210,670 | 3,941 |
| Average equity | $14,384,670 | 4,073 |
| Average total loans | $90,362,000 | 3,718 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 763 |
| Cost of funding earning assets | 0.5787% | 3,302 |
| Net interest margin | 4.5055% | 678 |
| Noninterest income to average assets | 0.4909% | 3,833 |
| Noninterest expense to average assets | 2.8431% | 3,564 |
| Loan and lease loss provision to assets | 0.9058% | 217 |
| Net operating income to assets | 0.9584% | 2,409 |
| Return on assets (ROA) | 0.9584% | 2,541 |
| Pretax return on assets | 0.9730% | 3,470 |
| Return on Equity (ROE) | 9.0110% | 2,486 |
| Retained earnings to average equity (ytd only) | 2.7198% | 4,657 |
| Net charge-offs to loans | 1.9738% | 239 |
| Credit loss provision to net charge-offs | 69.1964% | 2,309 |
| Earnings coverage of net charge-offs (x) | 1.4353% | 3,352 |
| Efficiency ratio | 59.9629% | 5,592 |
| Assets per employee ($millions) | 4.1600% | 3,612 |
| Cash dividends to net income (ytd only)* | 69.8171% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 4,526 |
| Loan loss allowance to noncurrent loans | 228.8425% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 5,442 |
| Noncurrent loans to loans | 0.5844% | 4,982 |
| Net loans and leases to total assets | 64.8096% | 2,569 |
| Net loans and leases to deposits | 72.6820% | 3,094 |
| Net loans and leases to core deposits | 83.2811% | 2,426 |
| Total domestic deposits to total assets | 89.1688% | 1,587 |
| Equity capital to assets | 10.6178% | 3,412 |
| Core capital (leverage) ratio | 9.4537% | 4,157 |
| Tier 1 risk-based capital ratio | 12.8792% | 5,314 |
| Total risk-based capital ratio | 14.1037% | 5,280 |
| Memoranda: | ||
| Average total assets | $136,891,500 | 4,040 |
| Average earning assets | $128,553,500 | 3,971 |
| Average equity | $14,560,000 | 4,082 |
| Average total loans | $90,791,000 | 3,728 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4071% | 747 |
| Cost of funding earning assets | 0.7930% | 2,722 |
| Net interest margin | 4.6141% | 763 |
| Noninterest income to average assets | 0.5483% | 3,594 |
| Noninterest expense to average assets | 2.8893% | 3,681 |
| Loan and lease loss provision to assets | 0.6079% | 900 |
| Net operating income to assets | 1.3493% | 1,197 |
| Return on assets (ROA) | 1.4031% | 1,207 |
| Pretax return on assets | 1.4159% | 1,984 |
| Return on Equity (ROE) | 13.3037% | 1,155 |
| Retained earnings to average equity (ytd only) | 7.4753% | 1,348 |
| Net charge-offs to loans | 0.6206% | 1,889 |
| Credit loss provision to net charge-offs | 153.0418% | 1,773 |
| Earnings coverage of net charge-offs (x) | 4.9582% | 3,193 |
| Efficiency ratio | 59.2167% | 5,664 |
| Assets per employee ($millions) | 4.2658% | 3,429 |
| Cash dividends to net income (ytd only)* | 43.8105% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 3,864 |
| Loan loss allowance to noncurrent loans | 108.8259% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9047% | 4,235 |
| Noncurrent loans to loans | 1.3511% | 3,578 |
| Net loans and leases to total assets | 65.9776% | 2,530 |
| Net loans and leases to deposits | 75.6735% | 2,854 |
| Net loans and leases to core deposits | 86.8076% | 2,211 |
| Total domestic deposits to total assets | 87.1872% | 2,715 |
| Equity capital to assets | 10.6546% | 3,334 |
| Core capital (leverage) ratio | 9.4439% | 4,192 |
| Tier 1 risk-based capital ratio | 12.6320% | 5,378 |
| Total risk-based capital ratio | 13.8830% | 5,322 |
| Memoranda: | ||
| Average total assets | $132,420,800 | 4,100 |
| Average earning assets | $123,706,800 | 4,026 |
| Average equity | $13,966,000 | 4,161 |
| Average total loans | $84,753,200 | 3,883 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4061% | 828 |
| Cost of funding earning assets | 0.8361% | 2,659 |
| Net interest margin | 4.5700% | 866 |
| Noninterest income to average assets | 0.5449% | 3,642 |
| Noninterest expense to average assets | 2.8858% | 3,654 |
| Loan and lease loss provision to assets | 0.5124% | 1,188 |
| Net operating income to assets | 1.3988% | 1,223 |
| Return on assets (ROA) | 1.4510% | 1,249 |
| Pretax return on assets | 1.4642% | 2,025 |
| Return on Equity (ROE) | 13.7946% | 1,154 |
| Retained earnings to average equity (ytd only) | 7.2446% | 1,980 |
| Net charge-offs to loans | 0.5953% | 1,843 |
| Credit loss provision to net charge-offs | 136.1186% | 2,119 |
| Earnings coverage of net charge-offs (x) | 5.1106% | 3,110 |
| Efficiency ratio | 59.7468% | 5,538 |
| Assets per employee ($millions) | 4.1829% | 3,513 |
| Cash dividends to net income (ytd only)* | 47.4825% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 4,504 |
| Loan loss allowance to noncurrent loans | 67.1333% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.3343% | 3,630 |
| Noncurrent loans to loans | 2.0382% | 2,807 |
| Net loans and leases to total assets | 64.5698% | 2,918 |
| Net loans and leases to deposits | 73.7440% | 3,328 |
| Net loans and leases to core deposits | 84.7691% | 2,607 |
| Total domestic deposits to total assets | 87.5594% | 2,313 |
| Equity capital to assets | 10.6573% | 3,657 |
| Core capital (leverage) ratio | 9.4496% | 4,354 |
| Tier 1 risk-based capital ratio | 12.6690% | 5,508 |
| Total risk-based capital ratio | 13.9033% | 5,482 |
| Memoranda: | ||
| Average total assets | $131,400,000 | 4,147 |
| Average earning assets | $122,623,250 | 4,090 |
| Average equity | $13,821,500 | 4,234 |
| Average total loans | $83,090,000 | 3,987 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4649% | 772 |
| Cost of funding earning assets | 0.8892% | 2,489 |
| Net interest margin | 4.5757% | 868 |
| Noninterest income to average assets | 0.5560% | 3,547 |
| Noninterest expense to average assets | 2.8947% | 3,641 |
| Loan and lease loss provision to assets | 0.6126% | 957 |
| Net operating income to assets | 1.3027% | 1,436 |
| Return on assets (ROA) | 1.3815% | 1,379 |
| Pretax return on assets | 1.3922% | 2,228 |
| Return on Equity (ROE) | 13.1932% | 1,311 |
| Retained earnings to average equity (ytd only) | 5.5142% | 2,980 |
| Net charge-offs to loans | 0.4683% | 2,192 |
| Credit loss provision to net charge-offs | 209.4241% | 1,346 |
| Earnings coverage of net charge-offs (x) | 6.5812% | 2,613 |
| Efficiency ratio | 59.8030% | 5,608 |
| Assets per employee ($millions) | 4.1746% | 3,509 |
| Cash dividends to net income (ytd only)* | 58.2040% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 3,891 |
| Loan loss allowance to noncurrent loans | 93.8836% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0158% | 4,344 |
| Noncurrent loans to loans | 1.6256% | 3,470 |
| Net loans and leases to total assets | 61.5364% | 3,526 |
| Net loans and leases to deposits | 69.9996% | 3,895 |
| Net loans and leases to core deposits | 80.3857% | 3,162 |
| Total domestic deposits to total assets | 87.9097% | 2,201 |
| Equity capital to assets | 10.3806% | 3,838 |
| Core capital (leverage) ratio | 9.2347% | 4,546 |
| Tier 1 risk-based capital ratio | 12.8015% | 5,339 |
| Total risk-based capital ratio | 14.0531% | 5,309 |
| Memoranda: | ||
| Average total assets | $130,582,670 | 4,195 |
| Average earning assets | $121,686,330 | 4,132 |
| Average equity | $13,673,670 | 4,262 |
| Average total loans | $81,577,670 | 4,053 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6412% | 582 |
| Cost of funding earning assets | 0.9463% | 2,330 |
| Net interest margin | 4.6949% | 688 |
| Noninterest income to average assets | 0.5578% | 3,515 |
| Noninterest expense to average assets | 2.7982% | 4,033 |
| Loan and lease loss provision to assets | 0.4648% | 1,324 |
| Net operating income to assets | 1.6579% | 782 |
| Return on assets (ROA) | 1.6579% | 872 |
| Pretax return on assets | 1.6610% | 1,399 |
| Return on Equity (ROE) | 15.7620% | 839 |
| Retained earnings to average equity (ytd only) | 12.0793% | 815 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5765% | 6,065 |
| Assets per employee ($millions) | 4.3568% | 3,286 |
| Cash dividends to net income (ytd only)* | 23.3645% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 3,973 |
| Loan loss allowance to noncurrent loans | 138.2253% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 5,216 |
| Noncurrent loans to loans | 1.1164% | 4,463 |
| Net loans and leases to total assets | 59.3093% | 3,805 |
| Net loans and leases to deposits | 67.6012% | 4,128 |
| Net loans and leases to core deposits | 78.0026% | 3,321 |
| Total domestic deposits to total assets | 87.7340% | 2,505 |
| Equity capital to assets | 10.4642% | 3,535 |
| Core capital (leverage) ratio | 9.4869% | 4,068 |
| Tier 1 risk-based capital ratio | 13.3325% | 4,948 |
| Total risk-based capital ratio | 14.5838% | 4,939 |
| Memoranda: | ||
| Average total assets | $129,081,000 | 4,255 |
| Average earning assets | $120,044,500 | 4,195 |
| Average equity | $13,577,000 | 4,283 |
| Average total loans | $80,627,500 | 4,107 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8719% | 552 |
| Cost of funding earning assets | 1.1470% | 2,365 |
| Net interest margin | 4.7249% | 711 |
| Noninterest income to average assets | 0.6517% | 2,874 |
| Noninterest expense to average assets | 2.7784% | 4,434 |
| Loan and lease loss provision to assets | 1.2135% | 722 |
| Net operating income to assets | 1.0626% | 1,947 |
| Return on assets (ROA) | 1.1083% | 1,915 |
| Pretax return on assets | 1.1180% | 2,771 |
| Return on Equity (ROE) | 10.8758% | 1,736 |
| Retained earnings to average equity (ytd only) | 3.1539% | 3,979 |
| Net charge-offs to loans | 1.9581% | 715 |
| Credit loss provision to net charge-offs | 98.4242% | 3,652 |
| Earnings coverage of net charge-offs (x) | 1.8536% | 4,383 |
| Efficiency ratio | 54.4844% | 6,468 |
| Assets per employee ($millions) | 4.3951% | 3,074 |
| Cash dividends to net income (ytd only)* | 71.0007% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 4,958 |
| Loan loss allowance to noncurrent loans | 121.0227% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6904% | 5,264 |
| Noncurrent loans to loans | 1.0664% | 4,575 |
| Net loans and leases to total assets | 63.9076% | 3,208 |
| Net loans and leases to deposits | 73.2960% | 3,617 |
| Net loans and leases to core deposits | 84.3527% | 2,842 |
| Total domestic deposits to total assets | 87.1912% | 2,649 |
| Equity capital to assets | 10.5736% | 3,449 |
| Core capital (leverage) ratio | 9.3442% | 4,260 |
| Tier 1 risk-based capital ratio | 12.6164% | 5,353 |
| Total risk-based capital ratio | 13.7775% | 5,412 |
| Memoranda: | ||
| Average total assets | $123,522,600 | 4,302 |
| Average earning assets | $115,345,400 | 4,252 |
| Average equity | $12,587,600 | 4,422 |
| Average total loans | $77,778,600 | 4,218 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8686% | 598 |
| Cost of funding earning assets | 1.1821% | 2,432 |
| Net interest margin | 4.6865% | 785 |
| Noninterest income to average assets | 0.6670% | 2,789 |
| Noninterest expense to average assets | 2.7757% | 4,439 |
| Loan and lease loss provision to assets | 1.2828% | 589 |
| Net operating income to assets | 0.9716% | 2,430 |
| Return on assets (ROA) | 0.9716% | 2,599 |
| Pretax return on assets | 0.9912% | 3,434 |
| Return on Equity (ROE) | 9.6289% | 2,336 |
| Retained earnings to average equity (ytd only) | -0.8518% | 6,126 |
| Net charge-offs to loans | 1.4205% | 1,045 |
| Credit loss provision to net charge-offs | 144.4853% | 2,197 |
| Earnings coverage of net charge-offs (x) | 2.5613% | 3,836 |
| Efficiency ratio | 54.5357% | 6,435 |
| Assets per employee ($millions) | 4.1693% | 3,504 |
| Cash dividends to net income (ytd only)* | 108.8465% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8394% | 2,803 |
| Loan loss allowance to noncurrent loans | 35.6144% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 3.2595% | 1,946 |
| Noncurrent loans to loans | 5.1648% | 1,185 |
| Net loans and leases to total assets | 61.9496% | 3,736 |
| Net loans and leases to deposits | 70.7538% | 4,177 |
| Net loans and leases to core deposits | 81.5247% | 3,404 |
| Total domestic deposits to total assets | 87.5567% | 2,322 |
| Equity capital to assets | 10.5501% | 3,644 |
| Core capital (leverage) ratio | 9.1429% | 4,724 |
| Tier 1 risk-based capital ratio | 12.4931% | 5,488 |
| Total risk-based capital ratio | 13.7478% | 5,484 |
| Memoranda: | ||
| Average total assets | $122,538,500 | 4,354 |
| Average earning assets | $114,596,000 | 4,293 |
| Average equity | $12,365,250 | 4,477 |
| Average total loans | $76,593,000 | 4,290 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8870% | 597 |
| Cost of funding earning assets | 1.1967% | 2,600 |
| Net interest margin | 4.6902% | 748 |
| Noninterest income to average assets | 0.6590% | 2,765 |
| Noninterest expense to average assets | 2.7726% | 4,536 |
| Loan and lease loss provision to assets | 1.7733% | 379 |
| Net operating income to assets | 0.4783% | 4,600 |
| Return on assets (ROA) | 0.4783% | 4,744 |
| Pretax return on assets | 0.4996% | 5,075 |
| Return on Equity (ROE) | 4.8146% | 4,536 |
| Retained earnings to average equity (ytd only) | -9.1990% | 6,838 |
| Net charge-offs to loans | 1.8652% | 732 |
| Credit loss provision to net charge-offs | 152.6167% | 2,000 |
| Earnings coverage of net charge-offs (x) | 1.9562% | 3,884 |
| Efficiency ratio | 54.4951% | 6,571 |
| Assets per employee ($millions) | 4.1500% | 3,455 |
| Cash dividends to net income (ytd only)* | 291.0653% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8806% | 2,727 |
| Loan loss allowance to noncurrent loans | 237.5610% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 5,934 |
| Noncurrent loans to loans | 0.7916% | 5,330 |
| Net loans and leases to total assets | 61.2276% | 4,041 |
| Net loans and leases to deposits | 69.2481% | 4,530 |
| Net loans and leases to core deposits | 79.3895% | 3,873 |
| Total domestic deposits to total assets | 88.4178% | 1,910 |
| Equity capital to assets | 9.7549% | 4,454 |
| Core capital (leverage) ratio | 8.8014% | 5,045 |
| Tier 1 risk-based capital ratio | 12.1109% | 5,701 |
| Total risk-based capital ratio | 13.3665% | 5,665 |
| Memoranda: | ||
| Average total assets | $121,691,670 | 4,400 |
| Average earning assets | $113,810,670 | 4,338 |
| Average equity | $12,088,330 | 4,536 |
| Average total loans | $75,811,330 | 4,351 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8184% | 718 |
| Cost of funding earning assets | 1.2178% | 2,699 |
| Net interest margin | 4.6006% | 860 |
| Noninterest income to average assets | 0.6717% | 2,717 |
| Noninterest expense to average assets | 2.8232% | 4,363 |
| Loan and lease loss provision to assets | 0.3159% | 2,649 |
| Net operating income to assets | 1.8057% | 487 |
| Return on assets (ROA) | 1.8057% | 509 |
| Pretax return on assets | 1.8290% | 775 |
| Return on Equity (ROE) | 18.0100% | 483 |
| Retained earnings to average equity (ytd only) | 7.5954% | 1,889 |
| Net charge-offs to loans | 0.4327% | 2,400 |
| Credit loss provision to net charge-offs | 117.2840% | 2,309 |
| Earnings coverage of net charge-offs (x) | 7.9630% | 1,876 |
| Efficiency ratio | 56.3588% | 6,463 |
| Assets per employee ($millions) | 4.0156% | 3,806 |
| Cash dividends to net income (ytd only)* | 57.8269% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 4,349 |
| Loan loss allowance to noncurrent loans | 216.4706% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 6,147 |
| Noncurrent loans to loans | 0.6786% | 5,670 |
| Net loans and leases to total assets | 61.4724% | 3,969 |
| Net loans and leases to deposits | 69.8557% | 4,359 |
| Net loans and leases to core deposits | 79.9443% | 3,768 |
| Total domestic deposits to total assets | 87.9992% | 2,371 |
| Equity capital to assets | 10.0750% | 3,677 |
| Core capital (leverage) ratio | 9.3605% | 4,033 |
| Tier 1 risk-based capital ratio | 12.9134% | 4,884 |
| Total risk-based capital ratio | 14.1638% | 4,872 |
| Memoranda: | ||
| Average total assets | $120,287,000 | 4,472 |
| Average earning assets | $112,333,000 | 4,399 |
| Average equity | $12,060,000 | 4,535 |
| Average total loans | $74,872,000 | 4,428 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2536% | 507 |
| Cost of funding earning assets | 1.3552% | 3,538 |
| Net interest margin | 4.8983% | 551 |
| Noninterest income to average assets | 0.7222% | 2,695 |
| Noninterest expense to average assets | 3.1229% | 3,377 |
| Loan and lease loss provision to assets | 0.2902% | 4,475 |
| Net operating income to assets | 1.8056% | 412 |
| Return on assets (ROA) | 1.8056% | 446 |
| Pretax return on assets | 1.8341% | 712 |
| Return on Equity (ROE) | 17.2818% | 451 |
| Retained earnings to average equity (ytd only) | 10.9158% | 391 |
| Net charge-offs to loans | 0.1665% | 5,336 |
| Credit loss provision to net charge-offs | 276.3158% | 983 |
| Earnings coverage of net charge-offs (x) | 20.2281% | 1,017 |
| Efficiency ratio | 59.0239% | 6,195 |
| Assets per employee ($millions) | 4.1416% | 3,495 |
| Cash dividends to net income (ytd only)* | 36.8367% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 4,226 |
| Loan loss allowance to noncurrent loans | 499.5413% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 6,778 |
| Noncurrent loans to loans | 0.2923% | 6,472 |
| Net loans and leases to total assets | 61.1929% | 4,456 |
| Net loans and leases to deposits | 71.4159% | 4,621 |
| Net loans and leases to core deposits | 82.4984% | 3,818 |
| Total domestic deposits to total assets | 85.6853% | 3,503 |
| Equity capital to assets | 9.9769% | 3,773 |
| Core capital (leverage) ratio | 9.3213% | 3,974 |
| Tier 1 risk-based capital ratio | 12.9219% | 4,662 |
| Total risk-based capital ratio | 14.1728% | 4,639 |
| Memoranda: | ||
| Average total assets | $108,551,800 | 4,756 |
| Average earning assets | $100,279,000 | 4,721 |
| Average equity | $11,341,400 | 4,779 |
| Average total loans | $68,488,800 | 4,737 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3252% | 484 |
| Cost of funding earning assets | 1.3806% | 3,700 |
| Net interest margin | 4.9445% | 497 |
| Noninterest income to average assets | 0.7230% | 2,690 |
| Noninterest expense to average assets | 3.1432% | 3,130 |
| Loan and lease loss provision to assets | 0.2902% | 4,257 |
| Net operating income to assets | 1.8171% | 479 |
| Return on assets (ROA) | 1.8171% | 525 |
| Pretax return on assets | 1.8448% | 853 |
| Return on Equity (ROE) | 17.1715% | 570 |
| Retained earnings to average equity (ytd only) | 8.5619% | 1,218 |
| Net charge-offs to loans | 0.1274% | 5,279 |
| Credit loss provision to net charge-offs | 359.3750% | 866 |
| Earnings coverage of net charge-offs (x) | 26.4378% | 961 |
| Efficiency ratio | 59.0485% | 6,101 |
| Assets per employee ($millions) | 3.7913% | 4,290 |
| Cash dividends to net income (ytd only)* | 50.1388% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 3,989 |
| Loan loss allowance to noncurrent loans | 218.2195% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 5,773 |
| Noncurrent loans to loans | 0.6852% | 5,833 |
| Net loans and leases to total assets | 63.1559% | 4,285 |
| Net loans and leases to deposits | 72.8610% | 4,716 |
| Net loans and leases to core deposits | 84.0196% | 3,933 |
| Total domestic deposits to total assets | 86.6799% | 2,705 |
| Equity capital to assets | 11.1818% | 2,787 |
| Core capital (leverage) ratio | 9.5842% | 3,793 |
| Tier 1 risk-based capital ratio | 13.1470% | 4,459 |
| Total risk-based capital ratio | 14.3984% | 4,444 |
| Memoranda: | ||
| Average total assets | $105,663,000 | 4,892 |
| Average earning assets | $97,344,250 | 4,855 |
| Average equity | $11,181,000 | 4,884 |
| Average total loans | $66,964,500 | 4,866 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3360% | 475 |
| Cost of funding earning assets | 1.3941% | 3,910 |
| Net interest margin | 4.9419% | 484 |
| Noninterest income to average assets | 0.7176% | 2,593 |
| Noninterest expense to average assets | 3.1563% | 3,066 |
| Loan and lease loss provision to assets | 0.2686% | 4,241 |
| Net operating income to assets | 1.8094% | 480 |
| Return on assets (ROA) | 1.8094% | 521 |
| Pretax return on assets | 1.8362% | 825 |
| Return on Equity (ROE) | 17.4468% | 522 |
| Retained earnings to average equity (ytd only) | 7.5856% | 1,601 |
| Net charge-offs to loans | 0.0973% | 5,172 |
| Credit loss provision to net charge-offs | 437.5000% | 826 |
| Earnings coverage of net charge-offs (x) | 34.2813% | 824 |
| Efficiency ratio | 59.4821% | 6,148 |
| Assets per employee ($millions) | 3.7423% | 4,366 |
| Cash dividends to net income (ytd only)* | 56.5217% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,288 |
| Loan loss allowance to noncurrent loans | 245.9259% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 5,966 |
| Noncurrent loans to loans | 0.5818% | 6,086 |
| Net loans and leases to total assets | 63.2254% | 4,412 |
| Net loans and leases to deposits | 72.4707% | 4,916 |
| Net loans and leases to core deposits | 82.7776% | 4,312 |
| Total domestic deposits to total assets | 87.2427% | 2,409 |
| Equity capital to assets | 10.6279% | 3,246 |
| Core capital (leverage) ratio | 9.6286% | 3,642 |
| Tier 1 risk-based capital ratio | 12.9349% | 4,507 |
| Total risk-based capital ratio | 14.1852% | 4,463 |
| Memoranda: | ||
| Average total assets | $104,235,000 | 4,962 |
| Average earning assets | $95,834,000 | 4,931 |
| Average equity | $10,810,000 | 4,972 |
| Average total loans | $65,788,670 | 4,950 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2870% | 542 |
| Cost of funding earning assets | 1.4033% | 4,147 |
| Net interest margin | 4.8837% | 539 |
| Noninterest income to average assets | 0.7053% | 2,561 |
| Noninterest expense to average assets | 3.2520% | 2,695 |
| Loan and lease loss provision to assets | 0.1763% | 4,759 |
| Net operating income to assets | 1.7279% | 581 |
| Return on assets (ROA) | 1.7279% | 634 |
| Pretax return on assets | 1.7632% | 946 |
| Return on Equity (ROE) | 16.8836% | 618 |
| Retained earnings to average equity (ytd only) | 3.7136% | 3,927 |
| Net charge-offs to loans | 0.0501% | 4,903 |
| Credit loss provision to net charge-offs | 562.5000% | 767 |
| Earnings coverage of net charge-offs (x) | 61.8750% | 494 |
| Efficiency ratio | 62.1132% | 5,812 |
| Assets per employee ($millions) | 3.5673% | 4,894 |
| Cash dividends to net income (ytd only)* | 78.0045% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 4,244 |
| Loan loss allowance to noncurrent loans | 177.0115% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7520% | 5,647 |
| Noncurrent loans to loans | 0.8099% | 5,695 |
| Net loans and leases to total assets | 61.4111% | 4,871 |
| Net loans and leases to deposits | 70.1752% | 5,318 |
| Net loans and leases to core deposits | 77.7956% | 5,049 |
| Total domestic deposits to total assets | 87.5111% | 2,352 |
| Equity capital to assets | 10.2927% | 3,486 |
| Core capital (leverage) ratio | 9.7375% | 3,467 |
| Tier 1 risk-based capital ratio | 13.4120% | 4,038 |
| Total risk-based capital ratio | 14.6619% | 3,997 |
| Memoranda: | ||
| Average total assets | $102,089,500 | 5,089 |
| Average earning assets | $93,780,500 | 5,056 |
| Average equity | $10,448,000 | 5,116 |
| Average total loans | $63,877,000 | 5,090 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5537% | 601 |
| Cost of funding earning assets | 1.6539% | 4,772 |
| Net interest margin | 4.8998% | 558 |
| Noninterest income to average assets | 0.7173% | 2,863 |
| Noninterest expense to average assets | 3.1085% | 3,699 |
| Loan and lease loss provision to assets | 0.7925% | 2,756 |
| Net operating income to assets | 1.3418% | 956 |
| Return on assets (ROA) | 1.3418% | 1,001 |
| Pretax return on assets | 1.3574% | 1,538 |
| Return on Equity (ROE) | 14.7844% | 694 |
| Retained earnings to average equity (ytd only) | 5.4996% | 1,577 |
| Net charge-offs to loans | 0.8508% | 2,696 |
| Credit loss provision to net charge-offs | 146.8085% | 3,216 |
| Earnings coverage of net charge-offs (x) | 3.9826% | 3,117 |
| Efficiency ratio | 58.5584% | 6,686 |
| Assets per employee ($millions) | 3.5974% | 4,787 |
| Cash dividends to net income (ytd only)* | 62.8016% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 4,223 |
| Loan loss allowance to noncurrent loans | 137.8882% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.6394% | 5,857 |
| Noncurrent loans to loans | 1.0174% | 5,281 |
| Net loans and leases to total assets | 61.9605% | 4,997 |
| Net loans and leases to deposits | 71.6684% | 5,374 |
| Net loans and leases to core deposits | 86.1519% | 5,504 |
| Total domestic deposits to total assets | 86.4545% | 2,785 |
| Equity capital to assets | 10.1740% | 3,537 |
| Core capital (leverage) ratio | 9.8662% | 3,247 |
| Tier 1 risk-based capital ratio | 13.4782% | 3,837 |
| Total risk-based capital ratio | 14.7091% | 3,795 |
| Memoranda: | ||
| Average total assets | $95,769,200 | 5,214 |
| Average earning assets | $88,758,600 | 5,161 |
| Average equity | $8,691,600 | 5,706 |
| Average total loans | $60,763,800 | 5,216 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6340% | 577 |
| Cost of funding earning assets | 1.7120% | 4,837 |
| Net interest margin | 4.9219% | 521 |
| Noninterest income to average assets | 0.7489% | 2,716 |
| Noninterest expense to average assets | 3.1354% | 3,518 |
| Loan and lease loss provision to assets | 0.4372% | 3,721 |
| Net operating income to assets | 1.7461% | 510 |
| Return on assets (ROA) | 1.7461% | 536 |
| Pretax return on assets | 1.7461% | 888 |
| Return on Equity (ROE) | 19.8811% | 319 |
| Retained earnings to average equity (ytd only) | 6.9214% | 1,537 |
| Net charge-offs to loans | 0.6874% | 2,635 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 4.9936% | 2,955 |
| Efficiency ratio | 58.3930% | 6,666 |
| Assets per employee ($millions) | 3.4545% | 5,036 |
| Cash dividends to net income (ytd only)* | 65.1854% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 6,104 |
| Loan loss allowance to noncurrent loans | 63.9247% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.0483% | 4,982 |
| Noncurrent loans to loans | 1.6126% | 4,221 |
| Net loans and leases to total assets | 64.0196% | 4,867 |
| Net loans and leases to deposits | 72.0479% | 5,633 |
| Net loans and leases to core deposits | 87.0610% | 5,747 |
| Total domestic deposits to total assets | 88.8571% | 1,265 |
| Equity capital to assets | 8.8085% | 5,777 |
| Core capital (leverage) ratio | 7.9843% | 6,387 |
| Tier 1 risk-based capital ratio | 11.4434% | 5,485 |
| Total risk-based capital ratio | 12.3961% | 5,758 |
| Memoranda: | ||
| Average total assets | $94,529,750 | 5,287 |
| Average earning assets | $87,768,000 | 5,240 |
| Average equity | $8,302,500 | 5,888 |
| Average total loans | $60,130,000 | 5,281 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6525% | 599 |
| Cost of funding earning assets | 1.7464% | 5,034 |
| Net interest margin | 4.9061% | 530 |
| Noninterest income to average assets | 0.7335% | 2,798 |
| Noninterest expense to average assets | 3.1621% | 3,464 |
| Loan and lease loss provision to assets | 0.4051% | 3,499 |
| Net operating income to assets | 1.7186% | 541 |
| Return on assets (ROA) | 1.7186% | 590 |
| Pretax return on assets | 1.7186% | 981 |
| Return on Equity (ROE) | 19.5869% | 363 |
| Retained earnings to average equity (ytd only) | 3.7424% | 3,212 |
| Net charge-offs to loans | 0.3877% | 3,259 |
| Credit loss provision to net charge-offs | 165.2174% | 2,774 |
| Earnings coverage of net charge-offs (x) | 8.6609% | 2,231 |
| Efficiency ratio | 59.2578% | 6,655 |
| Assets per employee ($millions) | 3.4139% | 5,036 |
| Cash dividends to net income (ytd only)* | 80.8933% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 4,891 |
| Loan loss allowance to noncurrent loans | 68.2119% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.1110% | 4,733 |
| Noncurrent loans to loans | 1.7687% | 3,853 |
| Net loans and leases to total assets | 61.7655% | 5,394 |
| Net loans and leases to deposits | 69.2165% | 6,070 |
| Net loans and leases to core deposits | 88.4430% | 5,682 |
| Total domestic deposits to total assets | 89.2352% | 1,151 |
| Equity capital to assets | 8.3420% | 6,273 |
| Core capital (leverage) ratio | 7.9995% | 6,334 |
| Tier 1 risk-based capital ratio | 11.4104% | 5,481 |
| Total risk-based capital ratio | 12.5126% | 5,541 |
| Memoranda: | ||
| Average total assets | $93,798,000 | 5,348 |
| Average earning assets | $87,034,670 | 5,298 |
| Average equity | $8,230,000 | 5,941 |
| Average total loans | $59,317,330 | 5,365 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7210% | 559 |
| Cost of funding earning assets | 1.8022% | 5,103 |
| Net interest margin | 4.9188% | 482 |
| Noninterest income to average assets | 0.7233% | 2,741 |
| Noninterest expense to average assets | 3.1000% | 3,377 |
| Loan and lease loss provision to assets | 0.3444% | 3,259 |
| Net operating income to assets | 1.7954% | 532 |
| Return on assets (ROA) | 1.7954% | 588 |
| Pretax return on assets | 1.8385% | 913 |
| Return on Equity (ROE) | 19.9569% | 425 |
| Retained earnings to average equity (ytd only) | 3.6851% | 3,851 |
| Net charge-offs to loans | -0.0068% | 7,219 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1092% | 6,688 |
| Assets per employee ($millions) | 3.3470% | 5,208 |
| Cash dividends to net income (ytd only)* | 81.5348% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 4,566 |
| Loan loss allowance to noncurrent loans | 85.0117% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.9166% | 4,900 |
| Noncurrent loans to loans | 1.4507% | 4,124 |
| Net loans and leases to total assets | 62.0400% | 5,316 |
| Net loans and leases to deposits | 69.7330% | 6,004 |
| Net loans and leases to core deposits | 89.5443% | 5,601 |
| Total domestic deposits to total assets | 88.9679% | 1,241 |
| Equity capital to assets | 8.6217% | 5,883 |
| Core capital (leverage) ratio | 7.9762% | 6,498 |
| Tier 1 risk-based capital ratio | 11.4459% | 5,464 |
| Total risk-based capital ratio | 12.5717% | 5,488 |
| Memoranda: | ||
| Average total assets | $92,902,500 | 5,401 |
| Average earning assets | $86,118,000 | 5,351 |
| Average equity | $8,358,000 | 5,932 |
| Average total loans | $59,095,000 | 5,399 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0947% | 929 |
| Cost of funding earning assets | 2.3783% | 4,822 |
| Net interest margin | 4.7164% | 938 |
| Noninterest income to average assets | 0.7922% | 2,560 |
| Noninterest expense to average assets | 3.2790% | 3,036 |
| Loan and lease loss provision to assets | 0.2549% | 4,368 |
| Net operating income to assets | 1.5568% | 913 |
| Return on assets (ROA) | 1.5763% | 840 |
| Pretax return on assets | 1.5763% | 1,455 |
| Return on Equity (ROE) | 18.6696% | 481 |
| Retained earnings to average equity (ytd only) | 11.5172% | 268 |
| Net charge-offs to loans | 0.2614% | 3,666 |
| Credit loss provision to net charge-offs | 148.0000% | 3,564 |
| Earnings coverage of net charge-offs (x) | 10.5200% | 2,501 |
| Efficiency ratio | 63.7799% | 5,609 |
| Assets per employee ($millions) | 3.2889% | 5,242 |
| Cash dividends to net income (ytd only)* | 38.3103% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 5,368 |
| Loan loss allowance to noncurrent loans | 81.8528% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 0.8622% | 4,694 |
| Noncurrent loans to loans | 1.3283% | 3,855 |
| Net loans and leases to total assets | 63.7184% | 5,336 |
| Net loans and leases to deposits | 72.5025% | 6,000 |
| Net loans and leases to core deposits | 92.9979% | 5,547 |
| Total domestic deposits to total assets | 87.8844% | 1,522 |
| Equity capital to assets | 9.3780% | 4,845 |
| Core capital (leverage) ratio | 8.1942% | 6,177 |
| Tier 1 risk-based capital ratio | 11.5084% | 5,236 |
| Total risk-based capital ratio | 12.5258% | 5,351 |
| Memoranda: | ||
| Average total assets | $87,101,000 | 5,447 |
| Average earning assets | $79,383,200 | 5,453 |
| Average equity | $7,354,200 | 6,331 |
| Average total loans | $57,382,800 | 5,389 |