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 | 5.7888% | 848 |
| Cost of funding earning assets | 1.3859% | 2,268 |
| Net interest margin | 4.4029% | 705 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.1075% | 3,390 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 2.2502% | 319 |
| Return on assets (ROA) | 2.2502% | 309 |
| Pretax return on assets | 2.2502% | 463 |
| Return on Equity (ROE) | 18.5000% | 757 |
| Retained earnings to average equity (ytd only) | 8.7711% | 1,310 |
| Net charge-offs to loans | 0.0549% | 1,311 |
| Credit loss provision to net charge-offs | 204.5455% | 1,210 |
| Earnings coverage of net charge-offs (x) | 58.2273% | 1,203 |
| Efficiency ratio | 47.4713% | 4,115 |
| Assets per employee ($millions) | 8.0018% | 1,438 |
| Cash dividends to net income (ytd only)* | 52.5890% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4152% | 215 |
| Loan loss allowance to noncurrent loans | 16,584.2105% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 3,700 |
| Noncurrent loans to loans | 0.0146% | 3,643 |
| Net loans and leases to total assets | 75.7700% | 1,148 |
| Net loans and leases to deposits | 93.4730% | 979 |
| Net loans and leases to core deposits | 108.8787% | 1,001 |
| Total domestic deposits to total assets | 81.0600% | 3,297 |
| Equity capital to assets | 13.0691% | 850 |
| Core capital (leverage) ratio | 14.1383% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2945% | 1,028 |
| Memoranda: | ||
| Average total assets | $164,789,000 | 3,235 |
| Average earning assets | $156,942,200 | 3,190 |
| Average equity | $20,043,000 | 2,853 |
| Average total loans | $120,138,200 | 2,954 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6191% | 891 |
| Cost of funding earning assets | 1.2701% | 2,221 |
| Net interest margin | 4.3490% | 753 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.1092% | 3,332 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.2287% | 361 |
| Return on assets (ROA) | 2.2287% | 351 |
| Pretax return on assets | 2.2287% | 537 |
| Return on Equity (ROE) | 18.6800% | 857 |
| Retained earnings to average equity (ytd only) | 5.5612% | 2,761 |
| Net charge-offs to loans | 0.0817% | 907 |
| Credit loss provision to net charge-offs | 104.1667% | 1,591 |
| Earnings coverage of net charge-offs (x) | 39.1111% | 1,458 |
| Efficiency ratio | 47.9482% | 4,048 |
| Assets per employee ($millions) | 7.9618% | 1,364 |
| Cash dividends to net income (ytd only)* | 70.2298% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4376% | 214 |
| Loan loss allowance to noncurrent loans | 102,800.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,864 |
| Noncurrent loans to loans | 0.0024% | 3,806 |
| Net loans and leases to total assets | 73.8300% | 1,357 |
| Net loans and leases to deposits | 90.9544% | 1,148 |
| Net loans and leases to core deposits | 106.9201% | 979 |
| Total domestic deposits to total assets | 81.1700% | 3,354 |
| Equity capital to assets | 12.2232% | 985 |
| Core capital (leverage) ratio | 13.5959% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9034% | 1,120 |
| Memoranda: | ||
| Average total assets | $163,977,000 | 3,248 |
| Average earning assets | $156,416,250 | 3,206 |
| Average equity | $19,563,500 | 2,883 |
| Average total loans | $117,556,500 | 2,983 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4250% | 927 |
| Cost of funding earning assets | 1.1014% | 2,275 |
| Net interest margin | 4.3236% | 780 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.1252% | 3,280 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 2.2234% | 345 |
| Return on assets (ROA) | 2.2234% | 337 |
| Pretax return on assets | 2.2234% | 516 |
| Return on Equity (ROE) | 18.7900% | 859 |
| Retained earnings to average equity (ytd only) | -0.6642% | 4,182 |
| Net charge-offs to loans | 0.1222% | 597 |
| Credit loss provision to net charge-offs | 42.8571% | 1,700 |
| Earnings coverage of net charge-offs (x) | 26.3000% | 1,611 |
| Efficiency ratio | 48.4602% | 4,034 |
| Assets per employee ($millions) | 7.3660% | 1,691 |
| Cash dividends to net income (ytd only)* | 103.5340% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5435% | 205 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.9300% | 1,541 |
| Net loans and leases to deposits | 84.0773% | 1,662 |
| Net loans and leases to core deposits | 98.8450% | 1,299 |
| Total domestic deposits to total assets | 85.5500% | 2,380 |
| Equity capital to assets | 12.0887% | 1,024 |
| Core capital (leverage) ratio | 13.1920% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1336% | 1,099 |
| Memoranda: | ||
| Average total assets | $162,903,333 | 3,263 |
| Average earning assets | $155,797,667 | 3,225 |
| Average equity | $19,272,333 | 2,921 |
| Average total loans | $114,568,667 | 3,008 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2741% | 853 |
| Cost of funding earning assets | 0.9482% | 2,224 |
| Net interest margin | 4.3259% | 775 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.1821% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1870% | 383 |
| Return on assets (ROA) | 2.1870% | 377 |
| Pretax return on assets | 2.1870% | 583 |
| Return on Equity (ROE) | 18.6900% | 929 |
| Retained earnings to average equity (ytd only) | -20.5509% | 4,596 |
| Net charge-offs to loans | 0.1606% | 436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 19.8444% | 1,456 |
| Efficiency ratio | 49.9439% | 3,941 |
| Assets per employee ($millions) | 7.8663% | 1,426 |
| Cash dividends to net income (ytd only)* | 209.9664% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7126% | 174 |
| Loan loss allowance to noncurrent loans | 8,677.1429% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,596 |
| Noncurrent loans to loans | 0.0313% | 3,537 |
| Net loans and leases to total assets | 65.9400% | 2,064 |
| Net loans and leases to deposits | 74.5515% | 2,257 |
| Net loans and leases to core deposits | 88.5221% | 1,708 |
| Total domestic deposits to total assets | 88.4400% | 1,764 |
| Equity capital to assets | 11.3874% | 1,194 |
| Core capital (leverage) ratio | 12.4065% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3998% | 1,091 |
| Memoranda: | ||
| Average total assets | $163,329,000 | 3,311 |
| Average earning assets | $156,083,500 | 3,259 |
| Average equity | $19,113,500 | 2,962 |
| Average total loans | $112,053,000 | 3,076 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4958% | 725 |
| Cost of funding earning assets | 0.6139% | 847 |
| Net interest margin | 3.8819% | 1,000 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.0770% | 3,361 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.8191% | 422 |
| Return on assets (ROA) | 1.8191% | 404 |
| Pretax return on assets | 1.8191% | 704 |
| Return on Equity (ROE) | 15.5400% | 1,136 |
| Retained earnings to average equity (ytd only) | 6.9136% | 2,276 |
| Net charge-offs to loans | -0.0084% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.0560% | 3,877 |
| Assets per employee ($millions) | 7.6889% | 1,495 |
| Cash dividends to net income (ytd only)* | 55.5176% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7473% | 162 |
| Loan loss allowance to noncurrent loans | 2,124.8276% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 2,920 |
| Noncurrent loans to loans | 0.1293% | 2,862 |
| Net loans and leases to total assets | 67.5500% | 1,879 |
| Net loans and leases to deposits | 76.9121% | 2,043 |
| Net loans and leases to core deposits | 91.5413% | 1,418 |
| Total domestic deposits to total assets | 87.8200% | 2,135 |
| Equity capital to assets | 12.0248% | 926 |
| Core capital (leverage) ratio | 13.1141% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2969% | 935 |
| Memoranda: | ||
| Average total assets | $160,902,000 | 3,336 |
| Average earning assets | $152,141,400 | 3,306 |
| Average equity | $18,832,400 | 3,052 |
| Average total loans | $107,528,200 | 3,052 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3015% | 732 |
| Cost of funding earning assets | 0.6047% | 425 |
| Net interest margin | 3.6968% | 1,144 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.0237% | 3,421 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.6795% | 555 |
| Return on assets (ROA) | 1.6795% | 541 |
| Pretax return on assets | 1.6795% | 942 |
| Return on Equity (ROE) | 14.4500% | 1,306 |
| Retained earnings to average equity (ytd only) | 3.7459% | 3,532 |
| Net charge-offs to loans | -0.0075% | 3,603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.2825% | 3,797 |
| Assets per employee ($millions) | 8.2668% | 1,187 |
| Cash dividends to net income (ytd only)* | 74.0741% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8475% | 152 |
| Loan loss allowance to noncurrent loans | 1,445.5399% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 2,707 |
| Noncurrent loans to loans | 0.1970% | 2,617 |
| Net loans and leases to total assets | 63.5400% | 2,138 |
| Net loans and leases to deposits | 71.5611% | 2,241 |
| Net loans and leases to core deposits | 84.6694% | 1,604 |
| Total domestic deposits to total assets | 88.7900% | 2,167 |
| Equity capital to assets | 11.0968% | 1,145 |
| Core capital (leverage) ratio | 12.7020% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9060% | 1,008 |
| Memoranda: | ||
| Average total assets | $160,761,000 | 3,362 |
| Average earning assets | $151,694,250 | 3,335 |
| Average equity | $18,686,500 | 3,099 |
| Average total loans | $106,373,500 | 3,077 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 685 |
| Cost of funding earning assets | 0.5941% | 285 |
| Net interest margin | 3.5710% | 1,127 |
| Noninterest income to average assets | 0.2374% | 3,754 |
| Noninterest expense to average assets | 2.0561% | 3,275 |
| Loan and lease loss provision to assets | 0.0377% | 1,912 |
| Net operating income to assets | 1.5034% | 703 |
| Return on assets (ROA) | 1.5034% | 679 |
| Pretax return on assets | 1.5034% | 1,156 |
| Return on Equity (ROE) | 12.7343% | 1,456 |
| Retained earnings to average equity (ytd only) | -3.2235% | 4,464 |
| Net charge-offs to loans | -0.0076% | 3,481 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1578% | 3,663 |
| Assets per employee ($millions) | 7.2098% | 1,804 |
| Cash dividends to net income (ytd only)* | 125.3133% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8540% | 166 |
| Loan loss allowance to noncurrent loans | 886.4553% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 2,220 |
| Noncurrent loans to loans | 0.3220% | 2,190 |
| Net loans and leases to total assets | 66.0091% | 1,689 |
| Net loans and leases to deposits | 74.7469% | 1,780 |
| Net loans and leases to core deposits | 86.8110% | 1,276 |
| Total domestic deposits to total assets | 88.3101% | 2,456 |
| Equity capital to assets | 11.5505% | 1,016 |
| Core capital (leverage) ratio | 12.4436% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5303% | 1,066 |
| Memoranda: | ||
| Average total assets | $159,236,000 | 3,418 |
| Average earning assets | $149,818,333 | 3,398 |
| Average equity | $18,799,667 | 3,163 |
| Average total loans | $105,788,000 | 3,114 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0370% | 719 |
| Cost of funding earning assets | 0.6097% | 243 |
| Net interest margin | 3.4273% | 1,241 |
| Noninterest income to average assets | 0.2357% | 3,730 |
| Noninterest expense to average assets | 2.0533% | 3,287 |
| Loan and lease loss provision to assets | 0.0752% | 1,095 |
| Net operating income to assets | 1.3062% | 991 |
| Return on assets (ROA) | 1.3062% | 982 |
| Pretax return on assets | 1.3062% | 1,489 |
| Return on Equity (ROE) | 10.9460% | 1,636 |
| Retained earnings to average equity (ytd only) | -20.5683% | 4,705 |
| Net charge-offs to loans | -0.0267% | 4,037 |
| Credit loss provision to net charge-offs | -428.5714% | 3,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7810% | 3,505 |
| Assets per employee ($millions) | 7.3145% | 1,793 |
| Cash dividends to net income (ytd only)* | 287.9079% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0029% | 159 |
| Loan loss allowance to noncurrent loans | 427.0458% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 1,361 |
| Noncurrent loans to loans | 0.7032% | 1,350 |
| Net loans and leases to total assets | 61.8048% | 1,885 |
| Net loans and leases to deposits | 69.7891% | 1,985 |
| Net loans and leases to core deposits | 82.3439% | 1,331 |
| Total domestic deposits to total assets | 88.5594% | 2,272 |
| Equity capital to assets | 11.2840% | 1,199 |
| Core capital (leverage) ratio | 12.0286% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5324% | 1,133 |
| Memoranda: | ||
| Average total assets | $159,546,000 | 3,426 |
| Average earning assets | $148,922,500 | 3,415 |
| Average equity | $19,039,000 | 3,234 |
| Average total loans | $104,793,500 | 3,127 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 597 |
| Cost of funding earning assets | 0.7662% | 242 |
| Net interest margin | 3.7456% | 1,107 |
| Noninterest income to average assets | 0.2854% | 3,682 |
| Noninterest expense to average assets | 2.1085% | 3,370 |
| Loan and lease loss provision to assets | 0.0793% | 1,546 |
| Net operating income to assets | 1.5667% | 884 |
| Return on assets (ROA) | 1.5667% | 912 |
| Pretax return on assets | 1.5667% | 1,516 |
| Return on Equity (ROE) | 12.3696% | 1,690 |
| Retained earnings to average equity (ytd only) | 7.1525% | 1,860 |
| Net charge-offs to loans | 0.1657% | 581 |
| Credit loss provision to net charge-offs | 68.1818% | 2,025 |
| Earnings coverage of net charge-offs (x) | 14.1534% | 2,045 |
| Efficiency ratio | 56.1598% | 3,690 |
| Assets per employee ($millions) | 7.1897% | 1,793 |
| Cash dividends to net income (ytd only)* | 42.1763% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8416% | 175 |
| Loan loss allowance to noncurrent loans | 17,894.1176% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 4,047 |
| Noncurrent loans to loans | 0.0159% | 3,971 |
| Net loans and leases to total assets | 65.7573% | 1,497 |
| Net loans and leases to deposits | 75.3452% | 1,614 |
| Net loans and leases to core deposits | 88.9295% | 1,022 |
| Total domestic deposits to total assets | 87.2748% | 2,399 |
| Equity capital to assets | 12.5937% | 1,033 |
| Core capital (leverage) ratio | 12.9090% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9188% | 1,058 |
| Memoranda: | ||
| Average total assets | $151,341,200 | 3,470 |
| Average earning assets | $140,164,600 | 3,470 |
| Average equity | $19,168,000 | 3,286 |
| Average total loans | $106,246,000 | 3,121 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5623% | 604 |
| Cost of funding earning assets | 0.7992% | 242 |
| Net interest margin | 3.7631% | 1,200 |
| Noninterest income to average assets | 0.3003% | 3,636 |
| Noninterest expense to average assets | 2.0387% | 3,559 |
| Loan and lease loss provision to assets | 0.0802% | 1,481 |
| Net operating income to assets | 1.6636% | 896 |
| Return on assets (ROA) | 1.6636% | 937 |
| Pretax return on assets | 1.6636% | 1,511 |
| Return on Equity (ROE) | 13.1152% | 1,662 |
| Retained earnings to average equity (ytd only) | 6.0905% | 2,783 |
| Net charge-offs to loans | -0.0025% | 3,264 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8987% | 3,826 |
| Assets per employee ($millions) | 7.2075% | 1,734 |
| Cash dividends to net income (ytd only)* | 53.5619% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9730% | 158 |
| Loan loss allowance to noncurrent loans | 1,271.3147% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 3,013 |
| Noncurrent loans to loans | 0.2339% | 3,000 |
| Net loans and leases to total assets | 68.8042% | 1,219 |
| Net loans and leases to deposits | 79.1897% | 1,362 |
| Net loans and leases to core deposits | 92.6092% | 894 |
| Total domestic deposits to total assets | 86.8853% | 2,396 |
| Equity capital to assets | 12.9528% | 995 |
| Core capital (leverage) ratio | 12.8181% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6050% | 1,216 |
| Memoranda: | ||
| Average total assets | $149,633,000 | 3,519 |
| Average earning assets | $138,465,500 | 3,523 |
| Average equity | $18,980,000 | 3,343 |
| Average total loans | $106,044,250 | 3,165 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5577% | 667 |
| Cost of funding earning assets | 0.8192% | 270 |
| Net interest margin | 3.7386% | 1,246 |
| Noninterest income to average assets | 0.2791% | 3,745 |
| Noninterest expense to average assets | 1.9469% | 3,846 |
| Loan and lease loss provision to assets | 0.0805% | 1,511 |
| Net operating income to assets | 1.7054% | 863 |
| Return on assets (ROA) | 1.7054% | 919 |
| Pretax return on assets | 1.7054% | 1,466 |
| Return on Equity (ROE) | 13.5417% | 1,551 |
| Retained earnings to average equity (ytd only) | 2.8873% | 3,872 |
| Net charge-offs to loans | -0.0038% | 3,345 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1567% | 4,029 |
| Assets per employee ($millions) | 7.5586% | 1,440 |
| Cash dividends to net income (ytd only)* | 78.6782% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9474% | 161 |
| Loan loss allowance to noncurrent loans | 3,951.2500% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,883 |
| Noncurrent loans to loans | 0.0746% | 3,811 |
| Net loans and leases to total assets | 68.8534% | 1,345 |
| Net loans and leases to deposits | 78.9190% | 1,526 |
| Net loans and leases to core deposits | 91.9464% | 1,008 |
| Total domestic deposits to total assets | 87.2457% | 2,197 |
| Equity capital to assets | 12.5857% | 1,095 |
| Core capital (leverage) ratio | 12.5833% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1522% | 1,298 |
| Memoranda: | ||
| Average total assets | $149,058,333 | 3,533 |
| Average earning assets | $137,700,000 | 3,543 |
| Average equity | $18,771,667 | 3,356 |
| Average total loans | $105,615,333 | 3,185 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 701 |
| Cost of funding earning assets | 0.8474% | 285 |
| Net interest margin | 3.7210% | 1,290 |
| Noninterest income to average assets | 0.2595% | 3,846 |
| Noninterest expense to average assets | 1.9162% | 3,950 |
| Loan and lease loss provision to assets | 0.0811% | 1,598 |
| Net operating income to assets | 1.6919% | 956 |
| Return on assets (ROA) | 1.6919% | 1,006 |
| Pretax return on assets | 1.6919% | 1,509 |
| Return on Equity (ROE) | 13.4302% | 1,563 |
| Retained earnings to average equity (ytd only) | -8.0238% | 4,778 |
| Net charge-offs to loans | -0.0038% | 3,302 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9414% | 3,997 |
| Assets per employee ($millions) | 7.4692% | 1,468 |
| Cash dividends to net income (ytd only)* | 159.7444% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9824% | 150 |
| Loan loss allowance to noncurrent loans | 1,490.4762% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 3,474 |
| Noncurrent loans to loans | 0.2001% | 3,389 |
| Net loans and leases to total assets | 68.1604% | 1,510 |
| Net loans and leases to deposits | 77.9185% | 1,724 |
| Net loans and leases to core deposits | 91.3602% | 1,149 |
| Total domestic deposits to total assets | 87.4765% | 2,105 |
| Equity capital to assets | 12.3361% | 1,136 |
| Core capital (leverage) ratio | 12.5186% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9263% | 1,313 |
| Memoranda: | ||
| Average total assets | $148,001,500 | 3,545 |
| Average earning assets | $136,416,000 | 3,558 |
| Average equity | $18,644,500 | 3,360 |
| Average total loans | $104,799,000 | 3,201 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3391% | 242 |
| Cost of funding earning assets | 1.1899% | 290 |
| Net interest margin | 4.1492% | 714 |
| Noninterest income to average assets | 0.2283% | 4,133 |
| Noninterest expense to average assets | 2.1706% | 3,755 |
| Loan and lease loss provision to assets | 0.2422% | 1,606 |
| Net operating income to assets | 1.6472% | 577 |
| Return on assets (ROA) | 1.6472% | 623 |
| Pretax return on assets | 1.6472% | 960 |
| Return on Equity (ROE) | 12.4794% | 1,181 |
| Retained earnings to average equity (ytd only) | 6.9182% | 1,421 |
| Net charge-offs to loans | -0.0048% | 4,119 |
| Credit loss provision to net charge-offs | -6,600.0000% | 4,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4623% | 4,259 |
| Assets per employee ($millions) | 7.3310% | 1,379 |
| Cash dividends to net income (ytd only)* | 44.5633% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9604% | 154 |
| Loan loss allowance to noncurrent loans | 14,081.8182% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 4,335 |
| Noncurrent loans to loans | 0.0210% | 4,250 |
| Net loans and leases to total assets | 69.2607% | 1,654 |
| Net loans and leases to deposits | 79.6377% | 1,908 |
| Net loans and leases to core deposits | 92.3845% | 1,356 |
| Total domestic deposits to total assets | 86.9697% | 1,958 |
| Equity capital to assets | 12.8639% | 1,149 |
| Core capital (leverage) ratio | 13.0851% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3592% | 1,184 |
| Memoranda: | ||
| Average total assets | $136,229,600 | 3,555 |
| Average earning assets | $125,807,400 | 3,558 |
| Average equity | $17,981,600 | 3,368 |
| Average total loans | $103,193,000 | 3,191 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4890% | 239 |
| Cost of funding earning assets | 1.2599% | 294 |
| Net interest margin | 4.2291% | 691 |
| Noninterest income to average assets | 0.2355% | 4,089 |
| Noninterest expense to average assets | 2.1890% | 3,705 |
| Loan and lease loss provision to assets | 0.2395% | 1,694 |
| Net operating income to assets | 1.7221% | 553 |
| Return on assets (ROA) | 1.7221% | 611 |
| Pretax return on assets | 1.7221% | 921 |
| Return on Equity (ROE) | 12.9564% | 1,121 |
| Retained earnings to average equity (ytd only) | 5.4498% | 2,349 |
| Net charge-offs to loans | -0.0065% | 4,113 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7404% | 4,279 |
| Assets per employee ($millions) | 6.8379% | 1,600 |
| Cash dividends to net income (ytd only)* | 57.9374% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8568% | 160 |
| Loan loss allowance to noncurrent loans | 13,082.6087% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 4,398 |
| Noncurrent loans to loans | 0.0218% | 4,325 |
| Net loans and leases to total assets | 74.8174% | 1,265 |
| Net loans and leases to deposits | 86.6441% | 1,627 |
| Net loans and leases to core deposits | 101.1237% | 1,084 |
| Total domestic deposits to total assets | 86.3502% | 1,915 |
| Equity capital to assets | 13.4428% | 1,016 |
| Core capital (leverage) ratio | 13.3267% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1226% | 1,222 |
| Memoranda: | ||
| Average total assets | $133,632,000 | 3,570 |
| Average earning assets | $123,711,000 | 3,567 |
| Average equity | $17,761,750 | 3,388 |
| Average total loans | $102,829,250 | 3,204 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5178% | 330 |
| Cost of funding earning assets | 1.2953% | 366 |
| Net interest margin | 4.2224% | 878 |
| Noninterest income to average assets | 0.2353% | 4,069 |
| Noninterest expense to average assets | 2.1857% | 3,834 |
| Loan and lease loss provision to assets | 0.2263% | 1,850 |
| Net operating income to assets | 1.7422% | 568 |
| Return on assets (ROA) | 1.7422% | 618 |
| Pretax return on assets | 1.7422% | 906 |
| Return on Equity (ROE) | 13.1591% | 1,064 |
| Retained earnings to average equity (ytd only) | 1.7659% | 3,847 |
| Net charge-offs to loans | -0.0078% | 4,140 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6144% | 4,315 |
| Assets per employee ($millions) | 6.7829% | 1,569 |
| Cash dividends to net income (ytd only)* | 86.5801% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8334% | 160 |
| Loan loss allowance to noncurrent loans | 6,482.2222% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 4,332 |
| Noncurrent loans to loans | 0.0437% | 4,308 |
| Net loans and leases to total assets | 73.7406% | 1,447 |
| Net loans and leases to deposits | 85.1195% | 1,871 |
| Net loans and leases to core deposits | 99.7597% | 1,274 |
| Total domestic deposits to total assets | 86.6318% | 1,761 |
| Equity capital to assets | 13.1515% | 1,097 |
| Core capital (leverage) ratio | 13.3028% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8781% | 1,276 |
| Memoranda: | ||
| Average total assets | $132,590,333 | 3,570 |
| Average earning assets | $123,057,000 | 3,566 |
| Average equity | $17,554,333 | 3,410 |
| Average total loans | $101,996,667 | 3,204 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6647% | 267 |
| Cost of funding earning assets | 1.3367% | 501 |
| Net interest margin | 4.3280% | 721 |
| Noninterest income to average assets | 0.2289% | 4,179 |
| Noninterest expense to average assets | 2.2647% | 3,845 |
| Loan and lease loss provision to assets | 0.1831% | 1,635 |
| Net operating income to assets | 1.8130% | 402 |
| Return on assets (ROA) | 1.8130% | 444 |
| Pretax return on assets | 1.8130% | 677 |
| Return on Equity (ROE) | 13.6465% | 771 |
| Retained earnings to average equity (ytd only) | -9.3274% | 4,742 |
| Net charge-offs to loans | -0.0079% | 3,995 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1519% | 4,456 |
| Assets per employee ($millions) | 6.1852% | 1,529 |
| Cash dividends to net income (ytd only)* | 168.3502% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8167% | 178 |
| Loan loss allowance to noncurrent loans | 6,572.0930% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 4,402 |
| Noncurrent loans to loans | 0.0429% | 4,381 |
| Net loans and leases to total assets | 75.0664% | 1,450 |
| Net loans and leases to deposits | 86.8608% | 1,893 |
| Net loans and leases to core deposits | 103.2707% | 1,229 |
| Total domestic deposits to total assets | 86.4215% | 1,815 |
| Equity capital to assets | 13.2952% | 1,306 |
| Core capital (leverage) ratio | 13.0531% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7254% | 1,417 |
| Memoranda: | ||
| Average total assets | $131,056,500 | 3,573 |
| Average earning assets | $122,090,000 | 3,548 |
| Average equity | $17,411,000 | 3,431 |
| Average total loans | $101,519,000 | 3,202 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0225% | 219 |
| Cost of funding earning assets | 1.3056% | 759 |
| Net interest margin | 4.7169% | 451 |
| Noninterest income to average assets | 0.2811% | 4,001 |
| Noninterest expense to average assets | 2.4598% | 3,555 |
| Loan and lease loss provision to assets | 0.2181% | 895 |
| Net operating income to assets | 2.0074% | 344 |
| Return on assets (ROA) | 2.0074% | 358 |
| Pretax return on assets | 2.0074% | 592 |
| Return on Equity (ROE) | 15.1090% | 673 |
| Retained earnings to average equity (ytd only) | 9.0289% | 700 |
| Net charge-offs to loans | -0.0660% | 4,876 |
| Credit loss provision to net charge-offs | -402.9851% | 4,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5000% | 4,570 |
| Assets per employee ($millions) | 6.2964% | 1,421 |
| Cash dividends to net income (ytd only)* | 40.2414% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6911% | 174 |
| Loan loss allowance to noncurrent loans | 4,765.5172% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 4,373 |
| Noncurrent loans to loans | 0.0565% | 4,313 |
| Net loans and leases to total assets | 75.5876% | 1,484 |
| Net loans and leases to deposits | 87.4234% | 1,926 |
| Net loans and leases to core deposits | 106.6398% | 1,073 |
| Total domestic deposits to total assets | 86.4616% | 1,861 |
| Equity capital to assets | 13.2752% | 1,380 |
| Core capital (leverage) ratio | 13.3823% | 1,090 |
| Tier 1 risk-based capital ratio | 15.6831% | 2,510 |
| Total risk-based capital ratio | 16.9483% | 2,440 |
| Memoranda: | ||
| Average total assets | $123,790,600 | 3,645 |
| Average earning assets | $115,583,400 | 3,625 |
| Average equity | $16,447,200 | 3,502 |
| Average total loans | $101,479,800 | 3,206 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0851% | 208 |
| Cost of funding earning assets | 1.2703% | 861 |
| Net interest margin | 4.8148% | 407 |
| Noninterest income to average assets | 0.2860% | 4,020 |
| Noninterest expense to average assets | 2.4621% | 3,530 |
| Loan and lease loss provision to assets | 0.2301% | 737 |
| Net operating income to assets | 2.0917% | 326 |
| Return on assets (ROA) | 2.0917% | 338 |
| Pretax return on assets | 2.0917% | 560 |
| Return on Equity (ROE) | 15.7400% | 647 |
| Retained earnings to average equity (ytd only) | 7.4948% | 1,625 |
| Net charge-offs to loans | -0.1212% | 5,028 |
| Credit loss provision to net charge-offs | -228.2609% | 4,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4659% | 4,643 |
| Assets per employee ($millions) | 6.0830% | 1,546 |
| Cash dividends to net income (ytd only)* | 52.3834% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5778% | 201 |
| Loan loss allowance to noncurrent loans | 4,961.8182% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 4,246 |
| Noncurrent loans to loans | 0.0520% | 4,413 |
| Net loans and leases to total assets | 80.7393% | 741 |
| Net loans and leases to deposits | 93.3908% | 1,281 |
| Net loans and leases to core deposits | 114.9695% | 702 |
| Total domestic deposits to total assets | 86.4532% | 1,793 |
| Equity capital to assets | 13.2807% | 1,470 |
| Core capital (leverage) ratio | 13.4748% | 1,141 |
| Tier 1 risk-based capital ratio | 14.9774% | 2,859 |
| Total risk-based capital ratio | 16.2417% | 2,787 |
| Memoranda: | ||
| Average total assets | $121,682,250 | 3,707 |
| Average earning assets | $113,674,500 | 3,687 |
| Average equity | $16,170,750 | 3,559 |
| Average total loans | $101,172,500 | 3,252 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0699% | 211 |
| Cost of funding earning assets | 1.1982% | 1,005 |
| Net interest margin | 4.8716% | 359 |
| Noninterest income to average assets | 0.2741% | 4,104 |
| Noninterest expense to average assets | 2.4987% | 3,485 |
| Loan and lease loss provision to assets | 0.2507% | 611 |
| Net operating income to assets | 2.0708% | 345 |
| Return on assets (ROA) | 2.0708% | 360 |
| Pretax return on assets | 2.0708% | 590 |
| Return on Equity (ROE) | 15.5790% | 661 |
| Retained earnings to average equity (ytd only) | 3.0052% | 3,714 |
| Net charge-offs to loans | -0.1827% | 5,120 |
| Credit loss provision to net charge-offs | -164.8352% | 3,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8377% | 4,665 |
| Assets per employee ($millions) | 5.6255% | 1,849 |
| Cash dividends to net income (ytd only)* | 80.7103% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5569% | 208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 4,499 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 82.1567% | 586 |
| Net loans and leases to deposits | 97.1387% | 922 |
| Net loans and leases to core deposits | 120.0633% | 549 |
| Total domestic deposits to total assets | 84.5767% | 2,654 |
| Equity capital to assets | 13.1625% | 1,510 |
| Core capital (leverage) ratio | 13.4550% | 1,133 |
| Tier 1 risk-based capital ratio | 15.4385% | 2,644 |
| Total risk-based capital ratio | 16.7043% | 2,564 |
| Memoranda: | ||
| Average total assets | $119,662,330 | 3,770 |
| Average earning assets | $111,666,670 | 3,746 |
| Average equity | $15,906,000 | 3,590 |
| Average total loans | $99,607,670 | 3,289 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0299% | 213 |
| Cost of funding earning assets | 1.1292% | 1,094 |
| Net interest margin | 4.9006% | 336 |
| Noninterest income to average assets | 0.2653% | 4,108 |
| Noninterest expense to average assets | 2.4487% | 3,632 |
| Loan and lease loss provision to assets | 0.2041% | 779 |
| Net operating income to assets | 2.1732% | 285 |
| Return on assets (ROA) | 2.1732% | 296 |
| Pretax return on assets | 2.1732% | 476 |
| Return on Equity (ROE) | 16.2658% | 561 |
| Retained earnings to average equity (ytd only) | -9.1893% | 5,076 |
| Net charge-offs to loans | -0.0082% | 4,154 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7400% | 4,776 |
| Assets per employee ($millions) | 5.9144% | 1,614 |
| Cash dividends to net income (ytd only)* | 156.4945% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5127% | 242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 81.6389% | 628 |
| Net loans and leases to deposits | 94.2744% | 1,144 |
| Net loans and leases to core deposits | 114.6914% | 702 |
| Total domestic deposits to total assets | 86.5971% | 2,009 |
| Equity capital to assets | 13.1501% | 1,372 |
| Core capital (leverage) ratio | 13.2811% | 1,154 |
| Tier 1 risk-based capital ratio | 15.6526% | 2,583 |
| Total risk-based capital ratio | 16.9182% | 2,505 |
| Memoranda: | ||
| Average total assets | $117,613,000 | 3,844 |
| Average earning assets | $109,455,000 | 3,824 |
| Average equity | $15,714,000 | 3,614 |
| Average total loans | $97,238,500 | 3,361 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7817% | 244 |
| Cost of funding earning assets | 0.8640% | 1,248 |
| Net interest margin | 4.9177% | 315 |
| Noninterest income to average assets | 0.2674% | 4,323 |
| Noninterest expense to average assets | 2.5624% | 3,432 |
| Loan and lease loss provision to assets | 0.2647% | 640 |
| Net operating income to assets | 2.0206% | 346 |
| Return on assets (ROA) | 2.0206% | 342 |
| Pretax return on assets | 2.0206% | 537 |
| Return on Equity (ROE) | 15.4889% | 726 |
| Retained earnings to average equity (ytd only) | 11.7012% | 341 |
| Net charge-offs to loans | 0.2360% | 824 |
| Credit loss provision to net charge-offs | 138.8889% | 1,942 |
| Earnings coverage of net charge-offs (x) | 11.9907% | 2,582 |
| Efficiency ratio | 52.8577% | 4,728 |
| Assets per employee ($millions) | 5.8469% | 1,630 |
| Cash dividends to net income (ytd only)* | 24.4541% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5435% | 220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 4,569 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 79.5225% | 1,016 |
| Net loans and leases to deposits | 92.2338% | 1,514 |
| Net loans and leases to core deposits | 109.9404% | 1,007 |
| Total domestic deposits to total assets | 86.2183% | 2,126 |
| Equity capital to assets | 13.5739% | 1,115 |
| Core capital (leverage) ratio | 13.8481% | 971 |
| Tier 1 risk-based capital ratio | 16.5015% | 2,236 |
| Total risk-based capital ratio | 17.7665% | 2,177 |
| Memoranda: | ||
| Average total assets | $113,331,200 | 3,895 |
| Average earning assets | $105,557,400 | 3,886 |
| Average equity | $14,784,800 | 3,661 |
| Average total loans | $91,525,800 | 3,448 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6988% | 259 |
| Cost of funding earning assets | 0.8050% | 1,310 |
| Net interest margin | 4.8937% | 319 |
| Noninterest income to average assets | 0.2645% | 4,387 |
| Noninterest expense to average assets | 2.5141% | 3,544 |
| Loan and lease loss provision to assets | 0.2490% | 635 |
| Net operating income to assets | 2.0718% | 328 |
| Return on assets (ROA) | 2.0718% | 326 |
| Pretax return on assets | 2.0718% | 522 |
| Return on Equity (ROE) | 16.0499% | 691 |
| Retained earnings to average equity (ytd only) | 10.9051% | 667 |
| Net charge-offs to loans | 0.0280% | 2,541 |
| Credit loss provision to net charge-offs | 1,105.2632% | 380 |
| Earnings coverage of net charge-offs (x) | 103.0111% | 732 |
| Efficiency ratio | 51.9990% | 4,812 |
| Assets per employee ($millions) | 5.5661% | 1,858 |
| Cash dividends to net income (ytd only)* | 32.0550% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6085% | 208 |
| Loan loss allowance to noncurrent loans | 1,604.4304% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 4,276 |
| Noncurrent loans to loans | 0.1626% | 4,156 |
| Net loans and leases to total assets | 80.9708% | 873 |
| Net loans and leases to deposits | 99.5603% | 822 |
| Net loans and leases to core deposits | 120.7004% | 555 |
| Total domestic deposits to total assets | 81.3284% | 3,781 |
| Equity capital to assets | 13.0192% | 1,330 |
| Core capital (leverage) ratio | 13.4059% | 1,139 |
| Tier 1 risk-based capital ratio | 15.7538% | 2,547 |
| Total risk-based capital ratio | 17.0191% | 2,476 |
| Memoranda: | ||
| Average total assets | $112,429,500 | 3,949 |
| Average earning assets | $105,002,250 | 3,939 |
| Average equity | $14,512,750 | 3,721 |
| Average total loans | $90,552,500 | 3,494 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5778% | 287 |
| Cost of funding earning assets | 0.7588% | 1,328 |
| Net interest margin | 4.8190% | 353 |
| Noninterest income to average assets | 0.2596% | 4,451 |
| Noninterest expense to average assets | 2.5130% | 3,598 |
| Loan and lease loss provision to assets | 0.2163% | 763 |
| Net operating income to assets | 2.0299% | 357 |
| Return on assets (ROA) | 2.0299% | 355 |
| Pretax return on assets | 2.0299% | 571 |
| Return on Equity (ROE) | 15.7729% | 717 |
| Retained earnings to average equity (ytd only) | 7.9285% | 1,659 |
| Net charge-offs to loans | 0.0498% | 1,890 |
| Credit loss provision to net charge-offs | 545.4545% | 665 |
| Earnings coverage of net charge-offs (x) | 56.6364% | 1,032 |
| Efficiency ratio | 52.8030% | 4,803 |
| Assets per employee ($millions) | 5.3742% | 2,018 |
| Cash dividends to net income (ytd only)* | 49.7336% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5999% | 225 |
| Loan loss allowance to noncurrent loans | 182.9835% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 1.1829% | 1,215 |
| Noncurrent loans to loans | 1.4208% | 1,190 |
| Net loans and leases to total assets | 81.0284% | 853 |
| Net loans and leases to deposits | 98.4624% | 932 |
| Net loans and leases to core deposits | 115.2045% | 738 |
| Total domestic deposits to total assets | 82.2937% | 3,631 |
| Equity capital to assets | 12.9605% | 1,316 |
| Core capital (leverage) ratio | 13.1705% | 1,165 |
| Tier 1 risk-based capital ratio | 15.6593% | 2,562 |
| Total risk-based capital ratio | 16.9252% | 2,504 |
| Memoranda: | ||
| Average total assets | $110,943,000 | 4,004 |
| Average earning assets | $103,590,000 | 3,995 |
| Average equity | $14,277,670 | 3,767 |
| Average total loans | $88,343,000 | 3,556 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3900% | 339 |
| Cost of funding earning assets | 0.7346% | 1,264 |
| Net interest margin | 4.6553% | 440 |
| Noninterest income to average assets | 0.2437% | 4,546 |
| Noninterest expense to average assets | 2.5494% | 3,495 |
| Loan and lease loss provision to assets | 0.2182% | 724 |
| Net operating income to assets | 1.7857% | 579 |
| Return on assets (ROA) | 1.7857% | 585 |
| Pretax return on assets | 1.7857% | 940 |
| Return on Equity (ROE) | 13.9261% | 1,029 |
| Retained earnings to average equity (ytd only) | -1.9570% | 5,007 |
| Net charge-offs to loans | 0.1776% | 825 |
| Credit loss provision to net charge-offs | 157.8947% | 1,200 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,705 |
| Efficiency ratio | 55.9904% | 4,580 |
| Assets per employee ($millions) | 5.5055% | 1,935 |
| Cash dividends to net income (ytd only)* | 114.0530% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7349% | 202 |
| Loan loss allowance to noncurrent loans | 2,253.3333% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 4,619 |
| Noncurrent loans to loans | 0.1214% | 4,418 |
| Net loans and leases to total assets | 76.4197% | 1,476 |
| Net loans and leases to deposits | 87.7424% | 1,964 |
| Net loans and leases to core deposits | 105.2694% | 1,293 |
| Total domestic deposits to total assets | 87.0955% | 2,084 |
| Equity capital to assets | 12.7319% | 1,372 |
| Core capital (leverage) ratio | 13.0740% | 1,154 |
| Tier 1 risk-based capital ratio | 16.0948% | 2,425 |
| Total risk-based capital ratio | 17.3625% | 2,372 |
| Memoranda: | ||
| Average total assets | $109,985,500 | 4,066 |
| Average earning assets | $101,818,500 | 4,067 |
| Average equity | $14,103,000 | 3,817 |
| Average total loans | $85,570,500 | 3,638 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 359 |
| Cost of funding earning assets | 0.7421% | 845 |
| Net interest margin | 4.5673% | 533 |
| Noninterest income to average assets | 0.2375% | 4,716 |
| Noninterest expense to average assets | 2.6951% | 3,137 |
| Loan and lease loss provision to assets | 0.3187% | 534 |
| Net operating income to assets | 1.4851% | 834 |
| Return on assets (ROA) | 1.4851% | 854 |
| Pretax return on assets | 1.4851% | 1,699 |
| Return on Equity (ROE) | 11.3236% | 1,386 |
| Retained earnings to average equity (ytd only) | 7.6424% | 880 |
| Net charge-offs to loans | 0.0447% | 2,895 |
| Credit loss provision to net charge-offs | 916.6667% | 387 |
| Earnings coverage of net charge-offs (x) | 51.8889% | 1,060 |
| Efficiency ratio | 59.9056% | 4,281 |
| Assets per employee ($millions) | 5.4931% | 1,945 |
| Cash dividends to net income (ytd only)* | 32.5098% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7685% | 184 |
| Loan loss allowance to noncurrent loans | 1,844.8819% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 4,555 |
| Noncurrent loans to loans | 0.1501% | 4,324 |
| Net loans and leases to total assets | 74.9003% | 1,771 |
| Net loans and leases to deposits | 86.2023% | 2,236 |
| Net loans and leases to core deposits | 104.3034% | 1,393 |
| Total domestic deposits to total assets | 86.8890% | 2,049 |
| Equity capital to assets | 12.9135% | 1,308 |
| Core capital (leverage) ratio | 13.2118% | 1,072 |
| Tier 1 risk-based capital ratio | 16.6082% | 2,228 |
| Total risk-based capital ratio | 17.8764% | 2,169 |
| Memoranda: | ||
| Average total assets | $103,559,400 | 4,177 |
| Average earning assets | $96,620,600 | 4,152 |
| Average equity | $13,582,200 | 3,903 |
| Average total loans | $80,587,400 | 3,739 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2455% | 384 |
| Cost of funding earning assets | 0.7321% | 838 |
| Net interest margin | 4.5135% | 586 |
| Noninterest income to average assets | 0.2366% | 4,790 |
| Noninterest expense to average assets | 2.6370% | 3,294 |
| Loan and lease loss provision to assets | 0.3138% | 492 |
| Net operating income to assets | 1.5257% | 848 |
| Return on assets (ROA) | 1.5257% | 870 |
| Pretax return on assets | 1.5257% | 1,683 |
| Return on Equity (ROE) | 11.5848% | 1,464 |
| Retained earnings to average equity (ytd only) | 6.6213% | 1,896 |
| Net charge-offs to loans | 0.0452% | 2,537 |
| Credit loss provision to net charge-offs | 888.8889% | 398 |
| Earnings coverage of net charge-offs (x) | 52.1097% | 1,090 |
| Efficiency ratio | 58.9077% | 4,374 |
| Assets per employee ($millions) | 5.4322% | 1,989 |
| Cash dividends to net income (ytd only)* | 42.8449% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6098% | 233 |
| Loan loss allowance to noncurrent loans | 1,823.3871% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 4,672 |
| Noncurrent loans to loans | 0.1431% | 4,483 |
| Net loans and leases to total assets | 77.6626% | 1,319 |
| Net loans and leases to deposits | 93.6699% | 1,334 |
| Net loans and leases to core deposits | 112.4760% | 906 |
| Total domestic deposits to total assets | 82.9110% | 3,484 |
| Equity capital to assets | 12.7951% | 1,493 |
| Core capital (leverage) ratio | 12.9447% | 1,232 |
| Tier 1 risk-based capital ratio | 15.9817% | 2,520 |
| Total risk-based capital ratio | 17.2483% | 2,444 |
| Memoranda: | ||
| Average total assets | $101,983,750 | 4,245 |
| Average earning assets | $95,800,000 | 4,208 |
| Average equity | $13,431,000 | 3,967 |
| Average total loans | $79,576,750 | 3,784 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1280% | 446 |
| Cost of funding earning assets | 0.6994% | 897 |
| Net interest margin | 4.4286% | 666 |
| Noninterest income to average assets | 0.2285% | 4,875 |
| Noninterest expense to average assets | 2.7004% | 3,088 |
| Loan and lease loss provision to assets | 0.3007% | 509 |
| Net operating income to assets | 1.3913% | 1,093 |
| Return on assets (ROA) | 1.3913% | 1,116 |
| Pretax return on assets | 1.3913% | 2,058 |
| Return on Equity (ROE) | 10.4563% | 1,860 |
| Retained earnings to average equity (ytd only) | 2.9229% | 3,976 |
| Net charge-offs to loans | 0.0596% | 2,081 |
| Credit loss provision to net charge-offs | 652.1739% | 525 |
| Earnings coverage of net charge-offs (x) | 36.6957% | 1,322 |
| Efficiency ratio | 61.4788% | 4,086 |
| Assets per employee ($millions) | 5.2806% | 2,080 |
| Cash dividends to net income (ytd only)* | 72.0461% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6049% | 253 |
| Loan loss allowance to noncurrent loans | 1,812.5000% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 4,745 |
| Noncurrent loans to loans | 0.1437% | 4,547 |
| Net loans and leases to total assets | 76.9996% | 1,381 |
| Net loans and leases to deposits | 98.7912% | 826 |
| Net loans and leases to core deposits | 122.0893% | 488 |
| Total domestic deposits to total assets | 77.9417% | 4,825 |
| Equity capital to assets | 12.7373% | 1,504 |
| Core capital (leverage) ratio | 13.1942% | 1,105 |
| Tier 1 risk-based capital ratio | 16.0782% | 2,467 |
| Total risk-based capital ratio | 17.3448% | 2,408 |
| Memoranda: | ||
| Average total assets | $99,764,000 | 4,314 |
| Average earning assets | $93,798,670 | 4,270 |
| Average equity | $13,274,330 | 4,000 |
| Average total loans | $77,223,670 | 3,860 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0911% | 450 |
| Cost of funding earning assets | 0.6424% | 1,114 |
| Net interest margin | 4.4486% | 574 |
| Noninterest income to average assets | 0.2024% | 5,057 |
| Noninterest expense to average assets | 2.6972% | 3,152 |
| Loan and lease loss provision to assets | 0.2478% | 610 |
| Net operating income to assets | 1.4333% | 932 |
| Return on assets (ROA) | 1.4333% | 958 |
| Pretax return on assets | 1.4333% | 1,755 |
| Return on Equity (ROE) | 10.5267% | 1,731 |
| Retained earnings to average equity (ytd only) | -4.6415% | 5,363 |
| Net charge-offs to loans | 0.0162% | 2,471 |
| Credit loss provision to net charge-offs | 2,000.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 135.6667% | 403 |
| Efficiency ratio | 61.6038% | 4,213 |
| Assets per employee ($millions) | 5.2216% | 2,160 |
| Cash dividends to net income (ytd only)* | 144.0922% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7306% | 244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 75.5821% | 1,482 |
| Net loans and leases to deposits | 98.2688% | 752 |
| Net loans and leases to core deposits | 117.0781% | 555 |
| Total domestic deposits to total assets | 76.9136% | 5,127 |
| Equity capital to assets | 13.2114% | 1,180 |
| Core capital (leverage) ratio | 13.7102% | 912 |
| Tier 1 risk-based capital ratio | 17.1066% | 2,142 |
| Total risk-based capital ratio | 18.3749% | 2,093 |
| Memoranda: | ||
| Average total assets | $96,840,500 | 4,412 |
| Average earning assets | $90,904,000 | 4,373 |
| Average equity | $13,185,500 | 4,034 |
| Average total loans | $74,088,000 | 3,950 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0152% | 575 |
| Cost of funding earning assets | 0.5898% | 1,410 |
| Net interest margin | 4.4254% | 732 |
| Noninterest income to average assets | 0.2303% | 5,031 |
| Noninterest expense to average assets | 2.3897% | 4,325 |
| Loan and lease loss provision to assets | 0.2709% | 745 |
| Net operating income to assets | 1.7282% | 508 |
| Return on assets (ROA) | 1.7282% | 538 |
| Pretax return on assets | 1.7282% | 934 |
| Return on Equity (ROE) | 12.0715% | 1,226 |
| Retained earnings to average equity (ytd only) | 6.9464% | 1,249 |
| Net charge-offs to loans | 0.0417% | 3,198 |
| Credit loss provision to net charge-offs | 888.8889% | 423 |
| Earnings coverage of net charge-offs (x) | 65.5926% | 834 |
| Efficiency ratio | 54.4496% | 5,206 |
| Assets per employee ($millions) | 4.9722% | 2,427 |
| Cash dividends to net income (ytd only)* | 42.4559% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8810% | 200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 73.0785% | 2,002 |
| Net loans and leases to deposits | 92.7830% | 1,330 |
| Net loans and leases to core deposits | 108.6203% | 983 |
| Total domestic deposits to total assets | 78.7628% | 4,851 |
| Equity capital to assets | 14.0403% | 877 |
| Core capital (leverage) ratio | 14.8131% | 629 |
| Tier 1 risk-based capital ratio | 18.6398% | 1,692 |
| Total risk-based capital ratio | 19.9089% | 1,657 |
| Memoranda: | ||
| Average total assets | $88,588,600 | 4,571 |
| Average earning assets | $83,246,400 | 4,535 |
| Average equity | $12,682,800 | 4,137 |
| Average total loans | $64,804,400 | 4,165 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0113% | 588 |
| Cost of funding earning assets | 0.5850% | 1,457 |
| Net interest margin | 4.4264% | 737 |
| Noninterest income to average assets | 0.2342% | 5,071 |
| Noninterest expense to average assets | 2.2452% | 4,659 |
| Loan and lease loss provision to assets | 0.2755% | 637 |
| Net operating income to assets | 1.8825% | 416 |
| Return on assets (ROA) | 1.8825% | 439 |
| Pretax return on assets | 1.8825% | 738 |
| Return on Equity (ROE) | 13.0804% | 1,028 |
| Retained earnings to average equity (ytd only) | 6.1680% | 2,079 |
| Net charge-offs to loans | 0.0464% | 2,717 |
| Credit loss provision to net charge-offs | 818.1818% | 493 |
| Earnings coverage of net charge-offs (x) | 64.0965% | 907 |
| Efficiency ratio | 50.9906% | 5,441 |
| Assets per employee ($millions) | 6.3349% | 1,214 |
| Cash dividends to net income (ytd only)* | 52.8458% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0784% | 175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 70.7875% | 2,377 |
| Net loans and leases to deposits | 85.9670% | 2,263 |
| Net loans and leases to core deposits | 101.0299% | 1,547 |
| Total domestic deposits to total assets | 82.3426% | 3,827 |
| Equity capital to assets | 14.6671% | 823 |
| Core capital (leverage) ratio | 14.7249% | 682 |
| Tier 1 risk-based capital ratio | 19.8968% | 1,462 |
| Total risk-based capital ratio | 21.1695% | 1,424 |
| Memoranda: | ||
| Average total assets | $87,118,000 | 4,631 |
| Average earning assets | $82,051,750 | 4,582 |
| Average equity | $12,537,500 | 4,203 |
| Average total loans | $63,234,000 | 4,221 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9081% | 709 |
| Cost of funding earning assets | 0.5625% | 1,594 |
| Net interest margin | 4.3456% | 859 |
| Noninterest income to average assets | 0.2287% | 5,120 |
| Noninterest expense to average assets | 2.2242% | 4,792 |
| Loan and lease loss provision to assets | 0.2772% | 668 |
| Net operating income to assets | 1.8315% | 453 |
| Return on assets (ROA) | 1.8315% | 474 |
| Pretax return on assets | 1.8315% | 819 |
| Return on Equity (ROE) | 12.8103% | 1,080 |
| Retained earnings to average equity (ytd only) | 2.3101% | 4,401 |
| Net charge-offs to loans | 0.0702% | 2,186 |
| Credit loss provision to net charge-offs | 545.4545% | 614 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 1,131 |
| Efficiency ratio | 51.3326% | 5,485 |
| Assets per employee ($millions) | 5.8651% | 1,498 |
| Cash dividends to net income (ytd only)* | 81.9672% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9676% | 204 |
| Loan loss allowance to noncurrent loans | 695.3237% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 4,231 |
| Noncurrent loans to loans | 0.4268% | 3,826 |
| Net loans and leases to total assets | 71.8404% | 2,198 |
| Net loans and leases to deposits | 89.9802% | 1,763 |
| Net loans and leases to core deposits | 108.3300% | 1,020 |
| Total domestic deposits to total assets | 79.8402% | 4,584 |
| Equity capital to assets | 14.3185% | 927 |
| Core capital (leverage) ratio | 14.6238% | 690 |
| Tier 1 risk-based capital ratio | 19.3531% | 1,610 |
| Total risk-based capital ratio | 20.6249% | 1,561 |
| Memoranda: | ||
| Average total assets | $86,594,670 | 4,683 |
| Average earning assets | $81,783,330 | 4,627 |
| Average equity | $12,380,670 | 4,252 |
| Average total loans | $62,720,670 | 4,267 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9060% | 684 |
| Cost of funding earning assets | 0.5533% | 1,673 |
| Net interest margin | 4.3527% | 828 |
| Noninterest income to average assets | 0.2095% | 5,229 |
| Noninterest expense to average assets | 2.1326% | 5,045 |
| Loan and lease loss provision to assets | 0.2794% | 591 |
| Net operating income to assets | 1.8998% | 396 |
| Return on assets (ROA) | 1.8998% | 423 |
| Pretax return on assets | 1.8998% | 689 |
| Return on Equity (ROE) | 13.2980% | 970 |
| Retained earnings to average equity (ytd only) | -7.8876% | 5,745 |
| Net charge-offs to loans | 0.0065% | 2,894 |
| Credit loss provision to net charge-offs | 6,000.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 468.0000% | 120 |
| Efficiency ratio | 49.4600% | 5,655 |
| Assets per employee ($millions) | 5.6259% | 1,723 |
| Cash dividends to net income (ytd only)* | 159.3137% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1419% | 196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 69.2267% | 2,468 |
| Net loans and leases to deposits | 81.1262% | 2,658 |
| Net loans and leases to core deposits | 98.7642% | 1,579 |
| Total domestic deposits to total assets | 85.3320% | 2,989 |
| Equity capital to assets | 14.4239% | 852 |
| Core capital (leverage) ratio | 14.1915% | 765 |
| Tier 1 risk-based capital ratio | 20.0860% | 1,481 |
| Total risk-based capital ratio | 21.3585% | 1,456 |
| Memoranda: | ||
| Average total assets | $85,903,500 | 4,734 |
| Average earning assets | $80,961,500 | 4,680 |
| Average equity | $12,272,500 | 4,287 |
| Average total loans | $61,513,000 | 4,329 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8215% | 893 |
| Cost of funding earning assets | 0.5490% | 1,767 |
| Net interest margin | 4.2725% | 1,018 |
| Noninterest income to average assets | 0.2191% | 5,283 |
| Noninterest expense to average assets | 2.2786% | 4,850 |
| Loan and lease loss provision to assets | 0.3198% | 515 |
| Net operating income to assets | 1.6391% | 649 |
| Return on assets (ROA) | 1.6391% | 668 |
| Pretax return on assets | 1.6391% | 1,139 |
| Return on Equity (ROE) | 11.7477% | 1,372 |
| Retained earnings to average equity (ytd only) | 7.9280% | 942 |
| Net charge-offs to loans | 0.0068% | 4,209 |
| Credit loss provision to net charge-offs | 6,750.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 413.5000% | 153 |
| Efficiency ratio | 53.7731% | 5,535 |
| Assets per employee ($millions) | 5.8279% | 1,512 |
| Cash dividends to net income (ytd only)* | 32.5145% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9277% | 245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 69.6370% | 2,424 |
| Net loans and leases to deposits | 83.7924% | 2,389 |
| Net loans and leases to core deposits | 98.5655% | 1,626 |
| Total domestic deposits to total assets | 83.1066% | 3,809 |
| Equity capital to assets | 14.1537% | 882 |
| Core capital (leverage) ratio | 14.5445% | 701 |
| Tier 1 risk-based capital ratio | 19.7729% | 1,524 |
| Total risk-based capital ratio | 21.0441% | 1,495 |
| Memoranda: | ||
| Average total assets | $84,438,000 | 4,782 |
| Average earning assets | $79,414,800 | 4,732 |
| Average equity | $11,781,000 | 4,345 |
| Average total loans | $58,523,200 | 4,413 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 974 |
| Cost of funding earning assets | 0.5515% | 1,792 |
| Net interest margin | 4.2238% | 1,114 |
| Noninterest income to average assets | 0.2119% | 5,379 |
| Noninterest expense to average assets | 2.2988% | 4,782 |
| Loan and lease loss provision to assets | 0.3823% | 325 |
| Net operating income to assets | 1.5087% | 907 |
| Return on assets (ROA) | 1.5087% | 944 |
| Pretax return on assets | 1.5087% | 1,661 |
| Return on Equity (ROE) | 10.8539% | 1,766 |
| Retained earnings to average equity (ytd only) | 5.6963% | 2,446 |
| Net charge-offs to loans | 0.0209% | 3,519 |
| Credit loss provision to net charge-offs | 2,666.6667% | 134 |
| Earnings coverage of net charge-offs (x) | 131.8858% | 508 |
| Efficiency ratio | 54.8669% | 5,452 |
| Assets per employee ($millions) | 5.5969% | 1,688 |
| Cash dividends to net income (ytd only)* | 47.5187% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9874% | 243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 69.6643% | 2,441 |
| Net loans and leases to deposits | 82.1340% | 2,634 |
| Net loans and leases to core deposits | 97.7912% | 1,715 |
| Total domestic deposits to total assets | 84.8179% | 3,091 |
| Equity capital to assets | 14.3066% | 912 |
| Core capital (leverage) ratio | 14.3212% | 779 |
| Tier 1 risk-based capital ratio | 19.8874% | 1,582 |
| Total risk-based capital ratio | 21.1579% | 1,534 |
| Memoranda: | ||
| Average total assets | $83,692,750 | 4,856 |
| Average earning assets | $78,821,250 | 4,805 |
| Average equity | $11,633,000 | 4,417 |
| Average total loans | $57,476,000 | 4,489 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6934% | 1,076 |
| Cost of funding earning assets | 0.5492% | 1,825 |
| Net interest margin | 4.1442% | 1,240 |
| Noninterest income to average assets | 0.2081% | 5,437 |
| Noninterest expense to average assets | 2.1721% | 5,178 |
| Loan and lease loss provision to assets | 0.3588% | 361 |
| Net operating income to assets | 1.5764% | 784 |
| Return on assets (ROA) | 1.5764% | 814 |
| Pretax return on assets | 1.5764% | 1,399 |
| Return on Equity (ROE) | 11.4539% | 1,537 |
| Retained earnings to average equity (ytd only) | 3.6326% | 3,716 |
| Net charge-offs to loans | -0.0354% | 5,396 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8829% | 5,658 |
| Assets per employee ($millions) | 5.4301% | 1,810 |
| Cash dividends to net income (ytd only)* | 68.2853% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9686% | 276 |
| Loan loss allowance to noncurrent loans | 57,666.6667% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 5,899 |
| Noncurrent loans to loans | 0.0051% | 5,754 |
| Net loans and leases to total assets | 69.4233% | 2,421 |
| Net loans and leases to deposits | 82.3961% | 2,508 |
| Net loans and leases to core deposits | 99.7601% | 1,510 |
| Total domestic deposits to total assets | 84.2556% | 3,465 |
| Equity capital to assets | 14.3571% | 862 |
| Core capital (leverage) ratio | 14.1268% | 808 |
| Tier 1 risk-based capital ratio | 19.8840% | 1,577 |
| Total risk-based capital ratio | 21.1549% | 1,529 |
| Memoranda: | ||
| Average total assets | $83,605,670 | 4,907 |
| Average earning assets | $78,663,670 | 4,854 |
| Average equity | $11,507,000 | 4,469 |
| Average total loans | $56,539,000 | 4,559 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 1,254 |
| Cost of funding earning assets | 0.5437% | 1,895 |
| Net interest margin | 4.0429% | 1,432 |
| Noninterest income to average assets | 0.2078% | 5,468 |
| Noninterest expense to average assets | 2.1350% | 5,313 |
| Loan and lease loss provision to assets | 0.2834% | 530 |
| Net operating income to assets | 1.5824% | 730 |
| Return on assets (ROA) | 1.5824% | 767 |
| Pretax return on assets | 1.5824% | 1,312 |
| Return on Equity (ROE) | 11.7405% | 1,417 |
| Retained earnings to average equity (ytd only) | -4.0303% | 5,863 |
| Net charge-offs to loans | -0.0359% | 5,353 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3648% | 5,724 |
| Assets per employee ($millions) | 6.0248% | 1,386 |
| Cash dividends to net income (ytd only)* | 134.3284% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9687% | 307 |
| Loan loss allowance to noncurrent loans | 13,625.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 5,897 |
| Noncurrent loans to loans | 0.0218% | 5,717 |
| Net loans and leases to total assets | 63.3561% | 3,183 |
| Net loans and leases to deposits | 73.4769% | 3,372 |
| Net loans and leases to core deposits | 87.2118% | 2,411 |
| Total domestic deposits to total assets | 86.2259% | 2,816 |
| Equity capital to assets | 13.5049% | 1,169 |
| Core capital (leverage) ratio | 13.2615% | 1,065 |
| Tier 1 risk-based capital ratio | 20.0954% | 1,592 |
| Total risk-based capital ratio | 21.3652% | 1,557 |
| Memoranda: | ||
| Average total assets | $84,683,000 | 4,925 |
| Average earning assets | $79,448,500 | 4,880 |
| Average equity | $11,413,500 | 4,517 |
| Average total loans | $55,670,500 | 4,619 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 2,079 |
| Cost of funding earning assets | 0.5520% | 2,188 |
| Net interest margin | 3.8960% | 2,259 |
| Noninterest income to average assets | 0.2017% | 5,654 |
| Noninterest expense to average assets | 2.1389% | 5,484 |
| Loan and lease loss provision to assets | 0.2814% | 753 |
| Net operating income to assets | 1.4728% | 928 |
| Return on assets (ROA) | 1.4728% | 966 |
| Pretax return on assets | 1.4728% | 1,644 |
| Return on Equity (ROE) | 11.6551% | 1,505 |
| Retained earnings to average equity (ytd only) | 11.6551% | 324 |
| Net charge-offs to loans | -0.0019% | 5,372 |
| Credit loss provision to net charge-offs | -24,000.0000% | 6,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9398% | 5,766 |
| Assets per employee ($millions) | 6.0728% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7903% | 381 |
| Loan loss allowance to noncurrent loans | 157,000.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 6,097 |
| Noncurrent loans to loans | 0.0018% | 5,932 |
| Net loans and leases to total assets | 64.3350% | 3,169 |
| Net loans and leases to deposits | 74.5546% | 3,368 |
| Net loans and leases to core deposits | 88.2751% | 2,464 |
| Total domestic deposits to total assets | 86.2925% | 2,677 |
| Equity capital to assets | 13.4511% | 1,181 |
| Core capital (leverage) ratio | 13.6198% | 930 |
| Tier 1 risk-based capital ratio | 19.7870% | 1,645 |
| Total risk-based capital ratio | 21.0558% | 1,611 |
| Memoranda: | ||
| Average total assets | $85,279,000 | 4,935 |
| Average earning assets | $80,800,400 | 4,879 |
| Average equity | $10,776,400 | 4,601 |
| Average total loans | $53,404,000 | 4,712 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 2,229 |
| Cost of funding earning assets | 0.5521% | 2,272 |
| Net interest margin | 3.8464% | 2,447 |
| Noninterest income to average assets | 0.2000% | 5,732 |
| Noninterest expense to average assets | 2.1278% | 5,515 |
| Loan and lease loss provision to assets | 0.2812% | 725 |
| Net operating income to assets | 1.4482% | 1,028 |
| Return on assets (ROA) | 1.4482% | 1,067 |
| Pretax return on assets | 1.4482% | 1,815 |
| Return on Equity (ROE) | 11.6475% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.6475% | 439 |
| Net charge-offs to loans | -0.0203% | 5,614 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1640% | 5,728 |
| Assets per employee ($millions) | 5.4821% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8128% | 432 |
| Loan loss allowance to noncurrent loans | 75,850.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,200 |
| Noncurrent loans to loans | 0.0037% | 6,032 |
| Net loans and leases to total assets | 63.7412% | 3,221 |
| Net loans and leases to deposits | 73.8770% | 3,443 |
| Net loans and leases to core deposits | 88.0022% | 2,432 |
| Total domestic deposits to total assets | 86.2801% | 2,714 |
| Equity capital to assets | 13.4682% | 1,197 |
| Core capital (leverage) ratio | 13.5787% | 971 |
| Tier 1 risk-based capital ratio | 19.9709% | 1,680 |
| Total risk-based capital ratio | 21.2391% | 1,647 |
| Memoranda: | ||
| Average total assets | $85,344,000 | 4,988 |
| Average earning assets | $81,147,500 | 4,923 |
| Average equity | $10,611,500 | 4,670 |
| Average total loans | $52,688,250 | 4,773 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 2,643 |
| Cost of funding earning assets | 0.5391% | 2,445 |
| Net interest margin | 3.7444% | 2,783 |
| Noninterest income to average assets | 0.1922% | 5,809 |
| Noninterest expense to average assets | 2.1023% | 5,620 |
| Loan and lease loss provision to assets | 0.2778% | 737 |
| Net operating income to assets | 1.3984% | 1,064 |
| Return on assets (ROA) | 1.3984% | 1,105 |
| Pretax return on assets | 1.3984% | 1,893 |
| Return on Equity (ROE) | 11.5521% | 1,561 |
| Retained earnings to average equity (ytd only) | 11.5521% | 470 |
| Net charge-offs to loans | -0.0268% | 5,646 |
| Credit loss provision to net charge-offs | -1,714.2857% | 5,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6373% | 5,780 |
| Assets per employee ($millions) | 5.5355% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7206% | 521 |
| Loan loss allowance to noncurrent loans | 72,800.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,269 |
| Noncurrent loans to loans | 0.0037% | 6,099 |
| Net loans and leases to total assets | 62.6992% | 3,286 |
| Net loans and leases to deposits | 72.2257% | 3,544 |
| Net loans and leases to core deposits | 85.9717% | 2,516 |
| Total domestic deposits to total assets | 86.8101% | 2,575 |
| Equity capital to assets | 12.9744% | 1,383 |
| Core capital (leverage) ratio | 12.8368% | 1,222 |
| Tier 1 risk-based capital ratio | 20.0580% | 1,672 |
| Total risk-based capital ratio | 21.3252% | 1,640 |
| Memoranda: | ||
| Average total assets | $86,381,670 | 5,013 |
| Average earning assets | $82,737,000 | 4,913 |
| Average equity | $10,457,000 | 4,712 |
| Average total loans | $52,273,670 | 4,817 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2041% | 2,862 |
| Cost of funding earning assets | 0.5345% | 2,558 |
| Net interest margin | 3.6697% | 2,989 |
| Noninterest income to average assets | 0.1772% | 5,906 |
| Noninterest expense to average assets | 2.0850% | 5,713 |
| Loan and lease loss provision to assets | 0.2726% | 761 |
| Net operating income to assets | 1.3128% | 1,184 |
| Return on assets (ROA) | 1.3128% | 1,227 |
| Pretax return on assets | 1.3128% | 2,054 |
| Return on Equity (ROE) | 11.2244% | 1,619 |
| Retained earnings to average equity (ytd only) | 11.2244% | 715 |
| Net charge-offs to loans | -0.0310% | 5,577 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8069% | 5,772 |
| Assets per employee ($millions) | 5.9515% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6890% | 638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 56.4679% | 4,084 |
| Net loans and leases to deposits | 64.1055% | 4,302 |
| Net loans and leases to core deposits | 76.2575% | 3,385 |
| Total domestic deposits to total assets | 88.0858% | 2,184 |
| Equity capital to assets | 11.6879% | 2,111 |
| Core capital (leverage) ratio | 11.9019% | 1,711 |
| Tier 1 risk-based capital ratio | 19.6170% | 1,811 |
| Total risk-based capital ratio | 20.8843% | 1,777 |
| Memoranda: | ||
| Average total assets | $88,056,000 | 5,020 |
| Average earning assets | $83,822,000 | 4,921 |
| Average equity | $10,299,000 | 4,765 |
| Average total loans | $51,652,000 | 4,876 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 3,078 |
| Cost of funding earning assets | 0.5697% | 2,927 |
| Net interest margin | 3.6979% | 3,063 |
| Noninterest income to average assets | 0.2455% | 5,587 |
| Noninterest expense to average assets | 2.5283% | 4,676 |
| Loan and lease loss provision to assets | 0.2056% | 1,802 |
| Net operating income to assets | 1.0472% | 2,128 |
| Return on assets (ROA) | 1.0472% | 2,199 |
| Pretax return on assets | 1.0472% | 3,163 |
| Return on Equity (ROE) | 9.3740% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.3740% | 685 |
| Net charge-offs to loans | 0.3779% | 1,779 |
| Credit loss provision to net charge-offs | 95.7447% | 2,611 |
| Earnings coverage of net charge-offs (x) | 5.8351% | 3,197 |
| Efficiency ratio | 66.8680% | 4,394 |
| Assets per employee ($millions) | 5.7893% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5805% | 742 |
| Loan loss allowance to noncurrent loans | 7,383.3333% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 6,343 |
| Noncurrent loans to loans | 0.0350% | 6,148 |
| Net loans and leases to total assets | 57.7752% | 4,073 |
| Net loans and leases to deposits | 65.5955% | 4,343 |
| Net loans and leases to core deposits | 78.9426% | 3,244 |
| Total domestic deposits to total assets | 88.0781% | 2,130 |
| Equity capital to assets | 11.7043% | 2,028 |
| Core capital (leverage) ratio | 11.0920% | 2,299 |
| Tier 1 risk-based capital ratio | 19.3282% | 1,832 |
| Total risk-based capital ratio | 20.5933% | 1,790 |
| Memoranda: | ||
| Average total assets | $87,567,800 | 5,035 |
| Average earning assets | $83,723,000 | 4,941 |
| Average equity | $9,782,400 | 4,899 |
| Average total loans | $49,752,000 | 4,964 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 3,271 |
| Cost of funding earning assets | 0.5739% | 3,057 |
| Net interest margin | 3.6561% | 3,210 |
| Noninterest income to average assets | 0.2598% | 5,586 |
| Noninterest expense to average assets | 2.6499% | 4,202 |
| Loan and lease loss provision to assets | 0.2507% | 1,425 |
| Net operating income to assets | 0.8630% | 3,029 |
| Return on assets (ROA) | 0.8630% | 3,140 |
| Pretax return on assets | 0.8630% | 4,032 |
| Return on Equity (ROE) | 7.8178% | 3,218 |
| Retained earnings to average equity (ytd only) | 7.8178% | 1,492 |
| Net charge-offs to loans | -0.0027% | 5,710 |
| Credit loss provision to net charge-offs | -16,500.0000% | 6,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4078% | 3,689 |
| Assets per employee ($millions) | 6.5197% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9826% | 562 |
| Loan loss allowance to noncurrent loans | 6,258.3333% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 6,409 |
| Noncurrent loans to loans | 0.0477% | 6,203 |
| Net loans and leases to total assets | 49.9571% | 5,140 |
| Net loans and leases to deposits | 55.7265% | 5,398 |
| Net loans and leases to core deposits | 65.1587% | 4,784 |
| Total domestic deposits to total assets | 89.6468% | 1,199 |
| Equity capital to assets | 10.0485% | 3,833 |
| Core capital (leverage) ratio | 11.5009% | 2,040 |
| Tier 1 risk-based capital ratio | 17.8171% | 2,395 |
| Total risk-based capital ratio | 19.0843% | 2,353 |
| Memoranda: | ||
| Average total assets | $87,749,750 | 5,079 |
| Average earning assets | $84,094,250 | 4,973 |
| Average equity | $9,687,000 | 4,977 |
| Average total loans | $49,314,750 | 5,034 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3694% | 2,685 |
| Cost of funding earning assets | 0.6020% | 2,919 |
| Net interest margin | 3.7674% | 2,685 |
| Noninterest income to average assets | 0.2156% | 5,895 |
| Noninterest expense to average assets | 2.2156% | 5,591 |
| Loan and lease loss provision to assets | 0.3554% | 931 |
| Net operating income to assets | 1.2630% | 1,421 |
| Return on assets (ROA) | 1.2630% | 1,519 |
| Pretax return on assets | 1.2630% | 2,432 |
| Return on Equity (ROE) | 11.0577% | 1,795 |
| Retained earnings to average equity (ytd only) | 11.0577% | 633 |
| Net charge-offs to loans | -0.0327% | 6,122 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7874% | 5,767 |
| Assets per employee ($millions) | 5.4971% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0655% | 545 |
| Loan loss allowance to noncurrent loans | 7,868.4211% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 6,468 |
| Noncurrent loans to loans | 0.0390% | 6,282 |
| Net loans and leases to total assets | 57.3324% | 4,088 |
| Net loans and leases to deposits | 65.3398% | 4,338 |
| Net loans and leases to core deposits | 79.3907% | 3,108 |
| Total domestic deposits to total assets | 87.7450% | 2,418 |
| Equity capital to assets | 11.9009% | 1,977 |
| Core capital (leverage) ratio | 11.7669% | 1,750 |
| Tier 1 risk-based capital ratio | 18.9189% | 2,012 |
| Total risk-based capital ratio | 20.1883% | 1,975 |
| Memoranda: | ||
| Average total assets | $84,401,000 | 5,213 |
| Average earning assets | $81,063,330 | 5,085 |
| Average equity | $9,640,330 | 5,023 |
| Average total loans | $48,967,000 | 5,070 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 2,700 |
| Cost of funding earning assets | 0.6050% | 3,066 |
| Net interest margin | 3.7425% | 2,687 |
| Noninterest income to average assets | 0.2155% | 5,934 |
| Noninterest expense to average assets | 2.1224% | 5,861 |
| Loan and lease loss provision to assets | 0.3514% | 925 |
| Net operating income to assets | 1.3353% | 1,194 |
| Return on assets (ROA) | 1.3353% | 1,292 |
| Pretax return on assets | 1.3353% | 2,099 |
| Return on Equity (ROE) | 11.9322% | 1,441 |
| Retained earnings to average equity (ytd only) | 11.9322% | 707 |
| Net charge-offs to loans | -0.0245% | 5,813 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7196% | 6,088 |
| Assets per employee ($millions) | 6.0490% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9439% | 696 |
| Loan loss allowance to noncurrent loans | 47,166.6667% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 6,633 |
| Noncurrent loans to loans | 0.0062% | 6,494 |
| Net loans and leases to total assets | 55.0870% | 4,226 |
| Net loans and leases to deposits | 62.4854% | 4,475 |
| Net loans and leases to core deposits | 75.2800% | 3,421 |
| Total domestic deposits to total assets | 88.1598% | 2,220 |
| Equity capital to assets | 11.4434% | 2,466 |
| Core capital (leverage) ratio | 11.0282% | 2,240 |
| Tier 1 risk-based capital ratio | 18.2891% | 2,264 |
| Total risk-based capital ratio | 19.5576% | 2,221 |
| Memoranda: | ||
| Average total assets | $85,373,500 | 5,223 |
| Average earning assets | $81,977,000 | 5,088 |
| Average equity | $9,554,000 | 5,100 |
| Average total loans | $49,066,000 | 5,088 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 3,607 |
| Cost of funding earning assets | 0.7528% | 3,069 |
| Net interest margin | 3.6988% | 3,648 |
| Noninterest income to average assets | 0.2326% | 5,781 |
| Noninterest expense to average assets | 2.1619% | 5,998 |
| Loan and lease loss provision to assets | 0.3673% | 1,787 |
| Net operating income to assets | 1.3246% | 1,247 |
| Return on assets (ROA) | 1.3246% | 1,376 |
| Pretax return on assets | 1.3246% | 2,304 |
| Return on Equity (ROE) | 12.1781% | 1,460 |
| Retained earnings to average equity (ytd only) | 12.1781% | 308 |
| Net charge-offs to loans | 0.1394% | 4,298 |
| Credit loss provision to net charge-offs | 447.7612% | 539 |
| Earnings coverage of net charge-offs (x) | 20.6269% | 1,343 |
| Efficiency ratio | 56.0991% | 6,046 |
| Assets per employee ($millions) | 6.1472% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6705% | 957 |
| Loan loss allowance to noncurrent loans | 33,425.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,692 |
| Noncurrent loans to loans | 0.0080% | 6,554 |
| Net loans and leases to total assets | 56.6215% | 4,182 |
| Net loans and leases to deposits | 63.8491% | 4,551 |
| Net loans and leases to core deposits | 77.0626% | 3,393 |
| Total domestic deposits to total assets | 88.6801% | 1,782 |
| Equity capital to assets | 10.9422% | 3,023 |
| Core capital (leverage) ratio | 10.8439% | 2,399 |
| Tier 1 risk-based capital ratio | 17.0028% | 2,650 |
| Total risk-based capital ratio | 18.2678% | 2,609 |
| Memoranda: | ||
| Average total assets | $81,687,400 | 5,309 |
| Average earning assets | $79,972,400 | 5,126 |
| Average equity | $8,884,800 | 5,254 |
| Average total loans | $48,052,600 | 5,176 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 3,676 |
| Cost of funding earning assets | 0.7929% | 3,006 |
| Net interest margin | 3.6974% | 3,804 |
| Noninterest income to average assets | 0.2333% | 5,883 |
| Noninterest expense to average assets | 2.1540% | 6,054 |
| Loan and lease loss provision to assets | 0.3722% | 1,737 |
| Net operating income to assets | 1.3251% | 1,384 |
| Return on assets (ROA) | 1.3251% | 1,517 |
| Pretax return on assets | 1.3251% | 2,510 |
| Return on Equity (ROE) | 12.2029% | 1,564 |
| Retained earnings to average equity (ytd only) | 12.2029% | 503 |
| Net charge-offs to loans | 0.0364% | 5,137 |
| Credit loss provision to net charge-offs | 1,730.7692% | 154 |
| Earnings coverage of net charge-offs (x) | 78.9365% | 521 |
| Efficiency ratio | 55.9278% | 6,063 |
| Assets per employee ($millions) | 6.1161% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6836% | 997 |
| Loan loss allowance to noncurrent loans | 3,556.7568% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 6,652 |
| Noncurrent loans to loans | 0.0755% | 6,430 |
| Net loans and leases to total assets | 55.7337% | 4,496 |
| Net loans and leases to deposits | 62.6989% | 4,889 |
| Net loans and leases to core deposits | 74.7525% | 3,883 |
| Total domestic deposits to total assets | 88.8911% | 1,489 |
| Equity capital to assets | 10.6990% | 3,609 |
| Core capital (leverage) ratio | 10.7154% | 2,684 |
| Tier 1 risk-based capital ratio | 16.6223% | 2,930 |
| Total risk-based capital ratio | 17.8884% | 2,895 |
| Memoranda: | ||
| Average total assets | $80,594,000 | 5,387 |
| Average earning assets | $78,864,250 | 5,211 |
| Average equity | $8,751,750 | 5,338 |
| Average total loans | $47,549,250 | 5,251 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5219% | 3,675 |
| Cost of funding earning assets | 0.8365% | 2,897 |
| Net interest margin | 3.6854% | 3,896 |
| Noninterest income to average assets | 0.2205% | 5,992 |
| Noninterest expense to average assets | 2.1466% | 6,134 |
| Loan and lease loss provision to assets | 0.3801% | 1,721 |
| Net operating income to assets | 1.3001% | 1,445 |
| Return on assets (ROA) | 1.3001% | 1,595 |
| Pretax return on assets | 1.3001% | 2,560 |
| Return on Equity (ROE) | 11.9090% | 1,693 |
| Retained earnings to average equity (ytd only) | 11.9090% | 598 |
| Net charge-offs to loans | 0.0425% | 4,779 |
| Credit loss provision to net charge-offs | 1,500.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 66.3000% | 588 |
| Efficiency ratio | 56.0927% | 6,107 |
| Assets per employee ($millions) | 5.6949% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5636% | 1,187 |
| Loan loss allowance to noncurrent loans | 3,658.8235% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 6,719 |
| Noncurrent loans to loans | 0.0701% | 6,493 |
| Net loans and leases to total assets | 59.3021% | 3,942 |
| Net loans and leases to deposits | 67.0614% | 4,355 |
| Net loans and leases to core deposits | 80.5126% | 3,144 |
| Total domestic deposits to total assets | 88.4296% | 1,862 |
| Equity capital to assets | 11.1415% | 2,975 |
| Core capital (leverage) ratio | 10.9604% | 2,343 |
| Tier 1 risk-based capital ratio | 16.5413% | 2,892 |
| Total risk-based capital ratio | 17.8049% | 2,845 |
| Memoranda: | ||
| Average total assets | $78,917,000 | 5,469 |
| Average earning assets | $77,223,670 | 5,293 |
| Average equity | $8,615,330 | 5,379 |
| Average total loans | $47,053,000 | 5,302 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 3,946 |
| Cost of funding earning assets | 0.8911% | 2,758 |
| Net interest margin | 3.6009% | 4,269 |
| Noninterest income to average assets | 0.2038% | 6,169 |
| Noninterest expense to average assets | 2.1296% | 6,201 |
| Loan and lease loss provision to assets | 0.3821% | 1,649 |
| Net operating income to assets | 1.2126% | 1,702 |
| Return on assets (ROA) | 1.2126% | 1,884 |
| Pretax return on assets | 1.2126% | 2,872 |
| Return on Equity (ROE) | 11.2244% | 1,933 |
| Retained earnings to average equity (ytd only) | 11.2244% | 980 |
| Net charge-offs to loans | 0.0259% | 4,319 |
| Credit loss provision to net charge-offs | 2,500.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 104.3333% | 334 |
| Efficiency ratio | 57.1819% | 6,020 |
| Assets per employee ($millions) | 5.7241% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5520% | 1,285 |
| Loan loss allowance to noncurrent loans | 1,756.7164% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 6,681 |
| Noncurrent loans to loans | 0.1453% | 6,397 |
| Net loans and leases to total assets | 56.0827% | 4,366 |
| Net loans and leases to deposits | 63.1657% | 4,749 |
| Net loans and leases to core deposits | 75.4584% | 3,693 |
| Total domestic deposits to total assets | 88.7867% | 1,823 |
| Equity capital to assets | 10.7216% | 3,238 |
| Core capital (leverage) ratio | 10.8289% | 2,412 |
| Tier 1 risk-based capital ratio | 16.5252% | 2,900 |
| Total risk-based capital ratio | 17.7876% | 2,859 |
| Memoranda: | ||
| Average total assets | $78,511,000 | 5,527 |
| Average earning assets | $76,758,500 | 5,335 |
| Average equity | $8,481,500 | 5,440 |
| Average total loans | $46,317,000 | 5,366 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 3,345 |
| Cost of funding earning assets | 1.2062% | 1,989 |
| Net interest margin | 3.6953% | 4,318 |
| Noninterest income to average assets | 0.2161% | 5,974 |
| Noninterest expense to average assets | 2.2790% | 6,087 |
| Loan and lease loss provision to assets | 0.4485% | 2,361 |
| Net operating income to assets | 1.0899% | 1,870 |
| Return on assets (ROA) | 1.0899% | 1,993 |
| Pretax return on assets | 1.0899% | 2,875 |
| Return on Equity (ROE) | 10.1645% | 2,006 |
| Retained earnings to average equity (ytd only) | 10.1645% | 527 |
| Net charge-offs to loans | 0.0577% | 5,730 |
| Credit loss provision to net charge-offs | 1,222.2222% | 172 |
| Earnings coverage of net charge-offs (x) | 41.9259% | 646 |
| Efficiency ratio | 59.7010% | 5,803 |
| Assets per employee ($millions) | 5.4918% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3735% | 1,503 |
| Loan loss allowance to noncurrent loans | 36,800.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 6,998 |
| Noncurrent loans to loans | 0.0064% | 6,847 |
| Net loans and leases to total assets | 59.0622% | 4,186 |
| Net loans and leases to deposits | 66.6970% | 4,636 |
| Net loans and leases to core deposits | 80.3646% | 3,410 |
| Total domestic deposits to total assets | 88.5530% | 1,818 |
| Equity capital to assets | 10.8877% | 3,094 |
| Core capital (leverage) ratio | 10.7574% | 2,464 |
| Tier 1 risk-based capital ratio | 16.8062% | 2,688 |
| Total risk-based capital ratio | 18.0679% | 2,646 |
| Memoranda: | ||
| Average total assets | $73,586,400 | 5,656 |
| Average earning assets | $71,712,200 | 5,477 |
| Average equity | $7,890,200 | 5,602 |
| Average total loans | $46,807,800 | 5,391 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9260% | 3,451 |
| Cost of funding earning assets | 1.2776% | 1,831 |
| Net interest margin | 3.6484% | 4,571 |
| Noninterest income to average assets | 0.2144% | 6,077 |
| Noninterest expense to average assets | 2.2869% | 6,071 |
| Loan and lease loss provision to assets | 0.4123% | 2,402 |
| Net operating income to assets | 1.0683% | 2,078 |
| Return on assets (ROA) | 1.0683% | 2,221 |
| Pretax return on assets | 1.0683% | 3,136 |
| Return on Equity (ROE) | 10.0040% | 2,194 |
| Retained earnings to average equity (ytd only) | 10.0040% | 840 |
| Net charge-offs to loans | 0.0711% | 5,250 |
| Credit loss provision to net charge-offs | 900.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 32.3225% | 887 |
| Efficiency ratio | 60.7004% | 5,608 |
| Assets per employee ($millions) | 5.2240% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0511% | 2,203 |
| Loan loss allowance to noncurrent loans | 5,561.1111% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 7,001 |
| Noncurrent loans to loans | 0.0369% | 6,849 |
| Net loans and leases to total assets | 65.3618% | 3,041 |
| Net loans and leases to deposits | 74.1304% | 3,639 |
| Net loans and leases to core deposits | 88.8185% | 2,386 |
| Total domestic deposits to total assets | 88.1714% | 1,942 |
| Equity capital to assets | 11.2024% | 2,960 |
| Core capital (leverage) ratio | 10.8756% | 2,495 |
| Tier 1 risk-based capital ratio | 16.1437% | 3,042 |
| Total risk-based capital ratio | 17.4009% | 3,002 |
| Memoranda: | ||
| Average total assets | $72,761,750 | 5,717 |
| Average earning assets | $70,860,500 | 5,554 |
| Average equity | $7,770,000 | 5,670 |
| Average total loans | $46,881,250 | 5,432 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8419% | 3,900 |
| Cost of funding earning assets | 1.2974% | 1,956 |
| Net interest margin | 3.5445% | 4,948 |
| Noninterest income to average assets | 0.1982% | 6,252 |
| Noninterest expense to average assets | 2.2385% | 6,279 |
| Loan and lease loss provision to assets | 0.4130% | 2,366 |
| Net operating income to assets | 0.9995% | 2,231 |
| Return on assets (ROA) | 0.9995% | 2,332 |
| Pretax return on assets | 0.9995% | 3,244 |
| Return on Equity (ROE) | 9.5163% | 2,301 |
| Retained earnings to average equity (ytd only) | 9.5163% | 953 |
| Net charge-offs to loans | 0.0173% | 5,596 |
| Credit loss provision to net charge-offs | 3,750.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 128.2500% | 274 |
| Efficiency ratio | 61.3122% | 5,685 |
| Assets per employee ($millions) | 5.3541% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0136% | 2,329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 61.4784% | 3,993 |
| Net loans and leases to deposits | 69.2436% | 4,532 |
| Net loans and leases to core deposits | 81.5787% | 3,562 |
| Total domestic deposits to total assets | 88.7857% | 1,677 |
| Equity capital to assets | 10.5592% | 3,431 |
| Core capital (leverage) ratio | 10.6176% | 2,602 |
| Tier 1 risk-based capital ratio | 16.0737% | 2,944 |
| Total risk-based capital ratio | 17.3322% | 2,906 |
| Memoranda: | ||
| Average total assets | $72,637,000 | 5,761 |
| Average earning assets | $70,756,670 | 5,608 |
| Average equity | $7,629,000 | 5,726 |
| Average total loans | $46,240,330 | 5,513 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8516% | 3,813 |
| Cost of funding earning assets | 1.3394% | 1,955 |
| Net interest margin | 3.5123% | 4,952 |
| Noninterest income to average assets | 0.1959% | 6,322 |
| Noninterest expense to average assets | 2.2833% | 6,233 |
| Loan and lease loss provision to assets | 0.3917% | 2,229 |
| Net operating income to assets | 0.9402% | 2,396 |
| Return on assets (ROA) | 0.9402% | 2,459 |
| Pretax return on assets | 0.9402% | 3,361 |
| Return on Equity (ROE) | 8.9768% | 2,480 |
| Retained earnings to average equity (ytd only) | 8.9768% | 1,385 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 5,490 |
| Assets per employee ($millions) | 5.1538% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9195% | 2,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 61.6828% | 3,927 |
| Net loans and leases to deposits | 69.5015% | 4,430 |
| Net loans and leases to core deposits | 80.4679% | 3,676 |
| Total domestic deposits to total assets | 88.7503% | 1,927 |
| Equity capital to assets | 10.4888% | 3,184 |
| Core capital (leverage) ratio | 10.6581% | 2,466 |
| Tier 1 risk-based capital ratio | 16.1330% | 2,843 |
| Total risk-based capital ratio | 17.3903% | 2,807 |
| Memoranda: | ||
| Average total assets | $71,476,500 | 5,834 |
| Average earning assets | $69,585,000 | 5,687 |
| Average equity | $7,486,000 | 5,780 |
| Average total loans | $45,845,500 | 5,566 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3691% | 2,812 |
| Cost of funding earning assets | 1.7832% | 1,239 |
| Net interest margin | 3.5859% | 4,885 |
| Noninterest income to average assets | 0.2181% | 6,244 |
| Noninterest expense to average assets | 2.5431% | 5,639 |
| Loan and lease loss provision to assets | 0.5848% | 2,795 |
| Net operating income to assets | 0.5643% | 3,830 |
| Return on assets (ROA) | 0.5643% | 3,985 |
| Pretax return on assets | 0.5643% | 4,435 |
| Return on Equity (ROE) | 4.9416% | 4,094 |
| Retained earnings to average equity (ytd only) | 4.9416% | 2,447 |
| Net charge-offs to loans | 0.0544% | 6,245 |
| Credit loss provision to net charge-offs | 1,541.6667% | 156 |
| Earnings coverage of net charge-offs (x) | 30.2917% | 725 |
| Efficiency ratio | 68.8784% | 4,390 |
| Assets per employee ($millions) | 5.0571% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7295% | 3,105 |
| Loan loss allowance to noncurrent loans | 568.0851% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 6,723 |
| Noncurrent loans to loans | 0.3044% | 6,443 |
| Net loans and leases to total assets | 64.2839% | 3,810 |
| Net loans and leases to deposits | 72.4072% | 4,444 |
| Net loans and leases to core deposits | 81.6582% | 3,956 |
| Total domestic deposits to total assets | 88.7811% | 1,777 |
| Equity capital to assets | 10.4576% | 3,200 |
| Core capital (leverage) ratio | 11.0323% | 2,134 |
| Tier 1 risk-based capital ratio | 15.9718% | 2,768 |
| Total risk-based capital ratio | 17.2275% | 2,714 |
| Memoranda: | ||
| Average total assets | $63,268,800 | 6,082 |
| Average earning assets | $61,295,000 | 5,947 |
| Average equity | $7,224,400 | 5,956 |
| Average total loans | $44,150,800 | 5,742 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4903% | 2,466 |
| Cost of funding earning assets | 1.8855% | 1,074 |
| Net interest margin | 3.6048% | 4,846 |
| Noninterest income to average assets | 0.2215% | 6,324 |
| Noninterest expense to average assets | 2.5803% | 5,403 |
| Loan and lease loss provision to assets | 0.6733% | 2,273 |
| Net operating income to assets | 0.4561% | 4,513 |
| Return on assets (ROA) | 0.4561% | 4,700 |
| Pretax return on assets | 0.4561% | 5,057 |
| Return on Equity (ROE) | 3.8999% | 4,825 |
| Retained earnings to average equity (ytd only) | 3.8999% | 3,722 |
| Net charge-offs to loans | 0.0856% | 5,677 |
| Credit loss provision to net charge-offs | 1,107.1429% | 267 |
| Earnings coverage of net charge-offs (x) | 18.5727% | 1,251 |
| Efficiency ratio | 69.5550% | 4,162 |
| Assets per employee ($millions) | 4.6591% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 3,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 69.7752% | 2,787 |
| Net loans and leases to deposits | 79.4099% | 3,559 |
| Net loans and leases to core deposits | 90.1658% | 3,074 |
| Total domestic deposits to total assets | 87.8672% | 2,037 |
| Equity capital to assets | 11.2651% | 2,730 |
| Core capital (leverage) ratio | 11.3175% | 2,056 |
| Tier 1 risk-based capital ratio | 16.0102% | 2,758 |
| Total risk-based capital ratio | 17.2657% | 2,704 |
| Memoranda: | ||
| Average total assets | $61,386,000 | 6,213 |
| Average earning assets | $59,400,000 | 6,082 |
| Average equity | $7,179,500 | 6,047 |
| Average total loans | $43,610,000 | 5,844 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4341% | 2,824 |
| Cost of funding earning assets | 1.9329% | 1,101 |
| Net interest margin | 3.5012% | 5,240 |
| Noninterest income to average assets | 0.2263% | 6,295 |
| Noninterest expense to average assets | 2.6354% | 5,191 |
| Loan and lease loss provision to assets | 0.6322% | 2,266 |
| Net operating income to assets | 0.3461% | 4,988 |
| Return on assets (ROA) | 0.3461% | 5,156 |
| Pretax return on assets | 0.3461% | 5,385 |
| Return on Equity (ROE) | 2.9200% | 5,265 |
| Retained earnings to average equity (ytd only) | 2.9200% | 4,273 |
| Net charge-offs to loans | 0.0983% | 5,160 |
| Credit loss provision to net charge-offs | 904.7619% | 413 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,555 |
| Efficiency ratio | 72.9282% | 3,669 |
| Assets per employee ($millions) | 4.7800% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 4,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 72.6102% | 2,255 |
| Net loans and leases to deposits | 83.0435% | 3,066 |
| Net loans and leases to core deposits | 93.9217% | 2,727 |
| Total domestic deposits to total assets | 87.4364% | 2,295 |
| Equity capital to assets | 11.5916% | 2,364 |
| Core capital (leverage) ratio | 11.5349% | 1,897 |
| Tier 1 risk-based capital ratio | 16.1866% | 2,595 |
| Total risk-based capital ratio | 17.4385% | 2,552 |
| Memoranda: | ||
| Average total assets | $60,105,330 | 6,297 |
| Average earning assets | $58,151,670 | 6,165 |
| Average equity | $7,123,330 | 6,102 |
| Average total loans | $42,730,000 | 5,915 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3029% | 3,535 |
| Cost of funding earning assets | 1.8585% | 1,621 |
| Net interest margin | 3.4445% | 5,400 |
| Noninterest income to average assets | 0.2166% | 6,415 |
| Noninterest expense to average assets | 2.6875% | 4,963 |
| Loan and lease loss provision to assets | 0.6093% | 2,089 |
| Net operating income to assets | 0.2572% | 5,465 |
| Return on assets (ROA) | 0.2572% | 5,591 |
| Pretax return on assets | 0.2572% | 5,727 |
| Return on Equity (ROE) | 2.1458% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.1458% | 4,847 |
| Net charge-offs to loans | 0.0485% | 4,918 |
| Credit loss provision to net charge-offs | 1,800.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 25.6000% | 979 |
| Efficiency ratio | 75.6190% | 3,287 |
| Assets per employee ($millions) | 4.3126% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 5,081 |
| Loan loss allowance to noncurrent loans | 7,714.2857% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 7,469 |
| Noncurrent loans to loans | 0.0165% | 7,377 |
| Net loans and leases to total assets | 69.3984% | 3,073 |
| Net loans and leases to deposits | 79.5278% | 3,741 |
| Net loans and leases to core deposits | 87.8775% | 3,639 |
| Total domestic deposits to total assets | 87.2632% | 2,488 |
| Equity capital to assets | 11.7464% | 2,202 |
| Core capital (leverage) ratio | 11.9127% | 1,687 |
| Tier 1 risk-based capital ratio | 16.9845% | 2,274 |
| Total risk-based capital ratio | 18.2336% | 2,225 |
| Memoranda: | ||
| Average total assets | $59,088,000 | 6,427 |
| Average earning assets | $57,251,500 | 6,268 |
| Average equity | $7,083,500 | 6,171 |
| Average total loans | $41,223,000 | 6,066 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3348% | 5,005 |
| Cost of funding earning assets | 2.1781% | 2,123 |
| Net interest margin | 3.1567% | 6,214 |
| Noninterest income to average assets | 0.1875% | 6,745 |
| Noninterest expense to average assets | 3.0776% | 3,841 |
| Loan and lease loss provision to assets | 0.5376% | 3,678 |
| Net operating income to assets | -0.3896% | 6,065 |
| Return on assets (ROA) | -0.3896% | 6,056 |
| Pretax return on assets | -0.3896% | 5,906 |
| Return on Equity (ROE) | -2.6253% | 5,938 |
| Retained earnings to average equity (ytd only) | -2.6253% | 5,634 |
| Net charge-offs to loans | 0.0351% | 6,775 |
| Credit loss provision to net charge-offs | 2,345.4545% | 141 |
| Earnings coverage of net charge-offs (x) | 6.4545% | 2,362 |
| Efficiency ratio | 95.4134% | 1,331 |
| Assets per employee ($millions) | 4.4462% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 5,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 68.4273% | 3,604 |
| Net loans and leases to deposits | 78.5506% | 4,264 |
| Net loans and leases to core deposits | 160.1839% | 340 |
| Total domestic deposits to total assets | 87.1125% | 2,433 |
| Equity capital to assets | 12.2405% | 1,883 |
| Core capital (leverage) ratio | 12.3653% | 1,508 |
| Tier 1 risk-based capital ratio | 17.6943% | 1,973 |
| Total risk-based capital ratio | 18.8388% | 1,962 |
| Memoranda: | ||
| Average total assets | $47,992,400 | 6,788 |
| Average earning assets | $46,187,600 | 6,676 |
| Average equity | $7,123,000 | 6,228 |
| Average total loans | $31,311,600 | 6,564 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2695% | 5,573 |
| Cost of funding earning assets | 2.2601% | 2,152 |
| Net interest margin | 3.0094% | 6,585 |
| Noninterest income to average assets | 0.1815% | 6,928 |
| Noninterest expense to average assets | 3.2468% | 3,138 |
| Loan and lease loss provision to assets | 0.5211% | 3,304 |
| Net operating income to assets | -0.6939% | 6,598 |
| Return on assets (ROA) | -0.6939% | 6,611 |
| Pretax return on assets | -0.6939% | 6,478 |
| Return on Equity (ROE) | -4.4287% | 6,392 |
| Retained earnings to average equity (ytd only) | -4.4287% | 6,178 |
| Net charge-offs to loans | 0.0503% | 6,213 |
| Credit loss provision to net charge-offs | 1,618.1818% | 238 |
| Earnings coverage of net charge-offs (x) | -5.3620% | 6,857 |
| Efficiency ratio | 105.6190% | 864 |
| Assets per employee ($millions) | 4.1852% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 5,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 63.2352% | 5,035 |
| Net loans and leases to deposits | 73.2707% | 5,473 |
| Net loans and leases to core deposits | 152.5450% | 523 |
| Total domestic deposits to total assets | 86.3035% | 2,540 |
| Equity capital to assets | 12.9448% | 1,720 |
| Core capital (leverage) ratio | 12.9351% | 1,392 |
| Tier 1 risk-based capital ratio | 19.7539% | 1,604 |
| Total risk-based capital ratio | 20.8147% | 1,594 |
| Memoranda: | ||
| Average total assets | $45,540,500 | 6,941 |
| Average earning assets | $43,773,000 | 6,827 |
| Average equity | $7,135,000 | 6,281 |
| Average total loans | $29,138,000 | 6,732 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3431% | 5,429 |
| Cost of funding earning assets | 2.3046% | 2,343 |
| Net interest margin | 3.0385% | 6,437 |
| Noninterest income to average assets | 0.1785% | 7,020 |
| Noninterest expense to average assets | 3.4003% | 2,627 |
| Loan and lease loss provision to assets | 0.6434% | 2,502 |
| Net operating income to assets | -0.9487% | 6,934 |
| Return on assets (ROA) | -0.9487% | 6,938 |
| Pretax return on assets | -0.9487% | 6,778 |
| Return on Equity (ROE) | -5.6380% | 6,674 |
| Retained earnings to average equity (ytd only) | -5.6380% | 6,399 |
| Net charge-offs to loans | 0.0587% | 5,676 |
| Credit loss provision to net charge-offs | 1,712.5000% | 306 |
| Earnings coverage of net charge-offs (x) | -8.1250% | 6,504 |
| Efficiency ratio | 109.8634% | 855 |
| Assets per employee ($millions) | 3.7964% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 6,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 67.6980% | 4,206 |
| Net loans and leases to deposits | 79.3837% | 4,643 |
| Net loans and leases to core deposits | 159.0848% | 469 |
| Total domestic deposits to total assets | 85.2795% | 3,121 |
| Equity capital to assets | 14.3659% | 1,203 |
| Core capital (leverage) ratio | 14.2816% | 1,074 |
| Tier 1 risk-based capital ratio | 19.6083% | 1,651 |
| Total risk-based capital ratio | 20.5499% | 1,676 |
| Memoranda: | ||
| Average total assets | $42,584,670 | 7,109 |
| Average earning assets | $40,875,330 | 7,022 |
| Average equity | $7,165,670 | 6,317 |
| Average total loans | $27,257,330 | 6,894 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 6,650 |
| Cost of funding earning assets | 2.2876% | 2,755 |
| Net interest margin | 2.8114% | 6,967 |
| Noninterest income to average assets | 0.1735% | 7,068 |
| Noninterest expense to average assets | 3.6530% | 1,749 |
| Loan and lease loss provision to assets | 0.7245% | 1,771 |
| Net operating income to assets | -1.5204% | 7,504 |
| Return on assets (ROA) | -1.5204% | 7,504 |
| Pretax return on assets | -1.5204% | 7,369 |
| Return on Equity (ROE) | -8.2738% | 7,256 |
| Retained earnings to average equity (ytd only) | -8.2738% | 6,939 |
| Net charge-offs to loans | 0.0833% | 4,334 |
| Credit loss provision to net charge-offs | 1,420.0000% | 449 |
| Earnings coverage of net charge-offs (x) | -15.6000% | 5,647 |
| Efficiency ratio | 127.8571% | 526 |
| Assets per employee ($millions) | 3.5114% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 6,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 59.2556% | 5,775 |
| Net loans and leases to deposits | 70.4731% | 5,934 |
| Net loans and leases to core deposits | 144.3768% | 918 |
| Total domestic deposits to total assets | 84.0825% | 3,669 |
| Equity capital to assets | 15.6130% | 946 |
| Core capital (leverage) ratio | 16.5102% | 714 |
| Tier 1 risk-based capital ratio | 23.2532% | 1,163 |
| Total risk-based capital ratio | 24.1541% | 1,174 |
| Memoranda: | ||
| Average total assets | $39,200,500 | 7,288 |
| Average earning assets | $37,419,000 | 7,200 |
| Average equity | $7,203,500 | 6,335 |
| Average total loans | $24,012,000 | 7,131 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9428% | 8,231 |
| Cost of funding earning assets | 0.8199% | 8,117 |
| Net interest margin | 1.1229% | 8,221 |
| Noninterest income to average assets | 0.0553% | 7,866 |
| Noninterest expense to average assets | 2.9844% | 4,139 |
| Loan and lease loss provision to assets | 0.7664% | 1,947 |
| Net operating income to assets | -2.6307% | 7,742 |
| Return on assets (ROA) | -2.6307% | 7,713 |
| Pretax return on assets | -2.6307% | 7,624 |
| Return on Equity (ROE) | -9.6998% | 7,260 |
| Retained earnings to average equity (ytd only) | -9.6998% | 7,050 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 266.4474% | 126 |
| Assets per employee ($millions) | 2.5195% | 7,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 5,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 62.5683% | 5,526 |
| Net loans and leases to deposits | 80.7351% | 4,918 |
| Net loans and leases to core deposits | 160.5783% | 565 |
| Total domestic deposits to total assets | 77.4982% | 5,877 |
| Equity capital to assets | 22.2270% | 342 |
| Core capital (leverage) ratio | 23.5319% | 289 |
| Tier 1 risk-based capital ratio | 31.6073% | 568 |
| Total risk-based capital ratio | 32.5177% | 571 |
| Memoranda: | ||
| Average total assets | $27,141,000 | 7,760 |
| Average earning assets | $25,736,000 | 7,705 |
| Average equity | $7,361,000 | 6,329 |
| Average total loans | $16,247,000 | 7,570 |