Home > First Bank > Performance and Condition Ratios
First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9714% | 2,131 |
| Cost of funding earning assets | 1.5771% | 1,754 |
| Net interest margin | 3.3944% | 2,414 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.8608% | 1,366 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.6989% | 3,202 |
| Return on assets (ROA) | 0.5551% | 3,540 |
| Pretax return on assets | 0.5828% | 3,668 |
| Return on Equity (ROE) | 5.1500% | 3,696 |
| Retained earnings to average equity (ytd only) | 1.0148% | 3,834 |
| Net charge-offs to loans | 0.6863% | 145 |
| Credit loss provision to net charge-offs | 10.3806% | 2,336 |
| Earnings coverage of net charge-offs (x) | 1.9844% | 2,729 |
| Efficiency ratio | 78.6922% | 1,013 |
| Assets per employee ($millions) | 4.3617% | 4,013 |
| Cash dividends to net income (ytd only)* | 80.2920% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8237% | 142 |
| Loan loss allowance to noncurrent loans | 1,481.2500% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 2,797 |
| Noncurrent loans to loans | 0.1906% | 2,562 |
| Net loans and leases to total assets | 56.6600% | 3,147 |
| Net loans and leases to deposits | 69.5438% | 2,918 |
| Net loans and leases to core deposits | 78.7306% | 2,785 |
| Total domestic deposits to total assets | 81.4800% | 3,229 |
| Equity capital to assets | 11.5856% | 1,258 |
| Core capital (leverage) ratio | 12.9286% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $148,069,600 | 3,384 |
| Average earning assets | $136,962,800 | 3,373 |
| Average equity | $15,964,400 | 3,186 |
| Average total loans | $84,220,400 | 3,360 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8057% | 2,245 |
| Cost of funding earning assets | 1.3609% | 1,970 |
| Net interest margin | 3.4448% | 2,351 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.8427% | 1,338 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7435% | 3,192 |
| Return on assets (ROA) | 0.6394% | 3,447 |
| Pretax return on assets | 0.7029% | 3,543 |
| Return on Equity (ROE) | 6.0400% | 3,630 |
| Retained earnings to average equity (ytd only) | 0.4645% | 4,046 |
| Net charge-offs to loans | 0.7640% | 116 |
| Credit loss provision to net charge-offs | 6.2112% | 2,041 |
| Earnings coverage of net charge-offs (x) | 1.9545% | 2,506 |
| Efficiency ratio | 77.1041% | 1,083 |
| Assets per employee ($millions) | 5.1021% | 3,522 |
| Cash dividends to net income (ytd only)* | 92.3077% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7624% | 153 |
| Loan loss allowance to noncurrent loans | 237.3294% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.6703% | 853 |
| Noncurrent loans to loans | 1.1640% | 676 |
| Net loans and leases to total assets | 56.0000% | 3,206 |
| Net loans and leases to deposits | 71.7198% | 2,727 |
| Net loans and leases to core deposits | 81.6516% | 2,493 |
| Total domestic deposits to total assets | 78.0800% | 3,806 |
| Equity capital to assets | 10.5230% | 1,546 |
| Core capital (leverage) ratio | 12.6206% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $149,102,750 | 3,381 |
| Average earning assets | $137,944,750 | 3,376 |
| Average equity | $15,786,500 | 3,194 |
| Average total loans | $84,292,750 | 3,367 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6188% | 2,379 |
| Cost of funding earning assets | 1.2041% | 1,979 |
| Net interest margin | 3.4147% | 2,483 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.8718% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7218% | 3,294 |
| Return on assets (ROA) | 0.5170% | 3,781 |
| Pretax return on assets | 0.5968% | 3,809 |
| Return on Equity (ROE) | 4.8700% | 3,893 |
| Retained earnings to average equity (ytd only) | -3.5460% | 4,367 |
| Net charge-offs to loans | 0.6602% | 129 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2.2445% | 2,316 |
| Efficiency ratio | 77.5301% | 1,037 |
| Assets per employee ($millions) | 5.3859% | 3,249 |
| Cash dividends to net income (ytd only)* | 172.7749% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9597% | 135 |
| Loan loss allowance to noncurrent loans | 1,199.0826% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 2,538 |
| Noncurrent loans to loans | 0.2468% | 2,272 |
| Net loans and leases to total assets | 56.8300% | 3,060 |
| Net loans and leases to deposits | 74.9364% | 2,408 |
| Net loans and leases to core deposits | 80.7521% | 2,421 |
| Total domestic deposits to total assets | 75.8400% | 4,060 |
| Equity capital to assets | 10.1926% | 1,748 |
| Core capital (leverage) ratio | 12.7415% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $147,782,333 | 3,402 |
| Average earning assets | $136,529,000 | 3,397 |
| Average equity | $15,679,667 | 3,217 |
| Average total loans | $83,007,667 | 3,379 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 2,468 |
| Cost of funding earning assets | 1.0742% | 1,826 |
| Net interest margin | 3.3555% | 2,737 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.9671% | 1,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8231% | 3,123 |
| Return on assets (ROA) | 0.2324% | 4,288 |
| Pretax return on assets | 0.2324% | 4,308 |
| Return on Equity (ROE) | 2.1500% | 4,283 |
| Retained earnings to average equity (ytd only) | 2.1473% | 3,676 |
| Net charge-offs to loans | 0.2937% | 267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.1017% | 1,828 |
| Efficiency ratio | 78.2828% | 975 |
| Assets per employee ($millions) | 4.6383% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5260% | 87 |
| Loan loss allowance to noncurrent loans | 423.5030% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 1,092 |
| Noncurrent loans to loans | 0.8326% | 920 |
| Net loans and leases to total assets | 53.8300% | 3,214 |
| Net loans and leases to deposits | 67.0336% | 2,848 |
| Net loans and leases to core deposits | 71.5561% | 2,848 |
| Total domestic deposits to total assets | 80.3100% | 3,726 |
| Equity capital to assets | 11.1923% | 1,269 |
| Core capital (leverage) ratio | 13.1571% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $146,271,000 | 3,464 |
| Average earning assets | $135,538,000 | 3,452 |
| Average equity | $15,834,000 | 3,227 |
| Average total loans | $80,351,000 | 3,443 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7677% | 2,358 |
| Cost of funding earning assets | 0.5350% | 1,191 |
| Net interest margin | 3.2327% | 2,756 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.6808% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7415% | 3,508 |
| Return on assets (ROA) | 0.8050% | 3,236 |
| Pretax return on assets | 0.8409% | 3,515 |
| Return on Equity (ROE) | 7.3700% | 3,550 |
| Retained earnings to average equity (ytd only) | 3.2858% | 3,633 |
| Net charge-offs to loans | 0.0907% | 776 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 17.1045% | 1,962 |
| Efficiency ratio | 77.5822% | 880 |
| Assets per employee ($millions) | 4.7986% | 3,817 |
| Cash dividends to net income (ytd only)* | 55.4156% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5889% | 76 |
| Loan loss allowance to noncurrent loans | 2,724.5283% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 3,078 |
| Noncurrent loans to loans | 0.1317% | 2,856 |
| Net loans and leases to total assets | 52.1500% | 3,347 |
| Net loans and leases to deposits | 68.3030% | 2,711 |
| Net loans and leases to core deposits | 72.5018% | 2,685 |
| Total domestic deposits to total assets | 76.3600% | 4,238 |
| Equity capital to assets | 10.4702% | 1,461 |
| Core capital (leverage) ratio | 12.8955% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $147,942,000 | 3,466 |
| Average earning assets | $137,748,800 | 3,442 |
| Average equity | $16,160,400 | 3,259 |
| Average total loans | $73,907,000 | 3,505 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6338% | 2,249 |
| Cost of funding earning assets | 0.4129% | 1,206 |
| Net interest margin | 3.2209% | 2,564 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.6704% | 1,532 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6814% | 3,615 |
| Return on assets (ROA) | 0.7482% | 3,370 |
| Pretax return on assets | 0.8700% | 3,420 |
| Return on Equity (ROE) | 6.7800% | 3,632 |
| Retained earnings to average equity (ytd only) | 1.3818% | 4,161 |
| Net charge-offs to loans | 0.0037% | 2,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 439.0000% | 355 |
| Efficiency ratio | 77.1175% | 989 |
| Assets per employee ($millions) | 4.8723% | 3,789 |
| Cash dividends to net income (ytd only)* | 79.6140% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8345% | 75 |
| Loan loss allowance to noncurrent loans | 3,990.5405% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 3,379 |
| Noncurrent loans to loans | 0.0961% | 3,190 |
| Net loans and leases to total assets | 50.6700% | 3,406 |
| Net loans and leases to deposits | 62.4498% | 2,988 |
| Net loans and leases to core deposits | 64.3798% | 3,079 |
| Total domestic deposits to total assets | 81.1300% | 3,959 |
| Equity capital to assets | 9.9692% | 1,643 |
| Core capital (leverage) ratio | 12.2935% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $147,738,500 | 3,490 |
| Average earning assets | $137,888,750 | 3,463 |
| Average equity | $16,306,750 | 3,287 |
| Average total loans | $72,266,250 | 3,550 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4146% | 2,392 |
| Cost of funding earning assets | 0.3764% | 1,075 |
| Net interest margin | 3.0382% | 2,770 |
| Noninterest income to average assets | 0.4492% | 2,455 |
| Noninterest expense to average assets | 2.6332% | 1,546 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5598% | 3,734 |
| Return on assets (ROA) | 0.5976% | 3,575 |
| Pretax return on assets | 0.7028% | 3,564 |
| Return on Equity (ROE) | 5.2473% | 3,767 |
| Retained earnings to average equity (ytd only) | -2.5703% | 4,421 |
| Net charge-offs to loans | -0.0113% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 947 |
| Assets per employee ($millions) | 4.6828% | 3,943 |
| Cash dividends to net income (ytd only)* | 148.9842% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9229% | 71 |
| Loan loss allowance to noncurrent loans | 147,950.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,071 |
| Noncurrent loans to loans | 0.0027% | 3,994 |
| Net loans and leases to total assets | 48.3617% | 3,522 |
| Net loans and leases to deposits | 59.5546% | 3,087 |
| Net loans and leases to core deposits | 61.4764% | 3,162 |
| Total domestic deposits to total assets | 81.2056% | 4,103 |
| Equity capital to assets | 9.8046% | 1,817 |
| Core capital (leverage) ratio | 12.3303% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,261,333 | 3,520 |
| Average earning assets | $138,699,000 | 3,504 |
| Average equity | $16,885,000 | 3,330 |
| Average total loans | $70,684,667 | 3,610 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2418% | 2,563 |
| Cost of funding earning assets | 0.3525% | 1,179 |
| Net interest margin | 2.8893% | 2,873 |
| Noninterest income to average assets | 0.4069% | 2,640 |
| Noninterest expense to average assets | 2.6365% | 1,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3689% | 4,023 |
| Return on assets (ROA) | 0.3689% | 3,986 |
| Pretax return on assets | 0.4828% | 3,896 |
| Return on Equity (ROE) | 3.0253% | 4,082 |
| Retained earnings to average equity (ytd only) | 3.0253% | 3,253 |
| Net charge-offs to loans | -0.0234% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5217% | 814 |
| Assets per employee ($millions) | 4.6824% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3175% | 59 |
| Loan loss allowance to noncurrent loans | 29,590.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 4,022 |
| Noncurrent loans to loans | 0.0146% | 3,903 |
| Net loans and leases to total assets | 45.1772% | 3,641 |
| Net loans and leases to deposits | 55.9527% | 3,269 |
| Net loans and leases to core deposits | 57.8261% | 3,310 |
| Total domestic deposits to total assets | 80.7417% | 4,224 |
| Equity capital to assets | 11.6897% | 1,065 |
| Core capital (leverage) ratio | 12.3500% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,468,000 | 3,535 |
| Average earning assets | $138,443,500 | 3,517 |
| Average equity | $17,981,500 | 3,329 |
| Average total loans | $68,313,000 | 3,648 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7391% | 2,009 |
| Cost of funding earning assets | 0.3819% | 1,669 |
| Net interest margin | 3.3572% | 2,145 |
| Noninterest income to average assets | 0.4381% | 2,867 |
| Noninterest expense to average assets | 2.5263% | 2,106 |
| Loan and lease loss provision to assets | 0.0664% | 1,741 |
| Net operating income to assets | 0.8513% | 3,183 |
| Return on assets (ROA) | 0.9114% | 3,063 |
| Pretax return on assets | 1.0454% | 3,135 |
| Return on Equity (ROE) | 7.0403% | 3,508 |
| Retained earnings to average equity (ytd only) | 3.1488% | 3,565 |
| Net charge-offs to loans | -0.1145% | 4,603 |
| Credit loss provision to net charge-offs | -115.2941% | 3,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7835% | 1,646 |
| Assets per employee ($millions) | 4.9928% | 3,734 |
| Cash dividends to net income (ytd only)* | 55.2749% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3398% | 57 |
| Loan loss allowance to noncurrent loans | 73,875.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 4,163 |
| Noncurrent loans to loans | 0.0059% | 4,064 |
| Net loans and leases to total assets | 43.4869% | 3,870 |
| Net loans and leases to deposits | 53.2461% | 3,645 |
| Net loans and leases to core deposits | 54.7670% | 3,706 |
| Total domestic deposits to total assets | 81.6715% | 4,012 |
| Equity capital to assets | 12.6817% | 1,001 |
| Core capital (leverage) ratio | 12.7327% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,687,800 | 3,505 |
| Average earning assets | $137,732,200 | 3,502 |
| Average equity | $19,118,600 | 3,290 |
| Average total loans | $74,231,200 | 3,580 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8989% | 1,769 |
| Cost of funding earning assets | 0.3905% | 1,774 |
| Net interest margin | 3.5084% | 1,842 |
| Noninterest income to average assets | 0.4276% | 2,943 |
| Noninterest expense to average assets | 2.4254% | 2,356 |
| Loan and lease loss provision to assets | 0.0890% | 1,339 |
| Net operating income to assets | 0.9315% | 3,144 |
| Return on assets (ROA) | 0.9966% | 2,987 |
| Pretax return on assets | 1.2602% | 2,735 |
| Return on Equity (ROE) | 7.6588% | 3,489 |
| Retained earnings to average equity (ytd only) | 2.4787% | 4,061 |
| Net charge-offs to loans | -0.1496% | 4,725 |
| Credit loss provision to net charge-offs | -115.2941% | 3,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6933% | 2,141 |
| Assets per employee ($millions) | 4.8913% | 3,802 |
| Cash dividends to net income (ytd only)* | 67.6364% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1815% | 62 |
| Loan loss allowance to noncurrent loans | 73,875.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,256 |
| Noncurrent loans to loans | 0.0057% | 4,169 |
| Net loans and leases to total assets | 47.7374% | 3,648 |
| Net loans and leases to deposits | 60.0259% | 3,225 |
| Net loans and leases to core deposits | 61.8314% | 3,337 |
| Total domestic deposits to total assets | 79.5279% | 4,296 |
| Equity capital to assets | 13.5167% | 847 |
| Core capital (leverage) ratio | 12.2513% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,164,000 | 3,546 |
| Average earning assets | $136,924,500 | 3,541 |
| Average equity | $19,149,500 | 3,329 |
| Average total loans | $75,766,250 | 3,602 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 1,437 |
| Cost of funding earning assets | 0.4002% | 1,886 |
| Net interest margin | 3.6571% | 1,450 |
| Noninterest income to average assets | 0.4284% | 2,962 |
| Noninterest expense to average assets | 2.2855% | 2,812 |
| Loan and lease loss provision to assets | 0.1182% | 1,070 |
| Net operating income to assets | 1.1578% | 2,343 |
| Return on assets (ROA) | 1.2220% | 2,177 |
| Pretax return on assets | 1.5027% | 2,004 |
| Return on Equity (ROE) | 9.5081% | 2,944 |
| Retained earnings to average equity (ytd only) | 1.7344% | 4,180 |
| Net charge-offs to loans | -0.2195% | 4,807 |
| Credit loss provision to net charge-offs | -103.5294% | 3,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7193% | 3,053 |
| Assets per employee ($millions) | 4.7182% | 3,911 |
| Cash dividends to net income (ytd only)* | 81.7582% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9683% | 69 |
| Loan loss allowance to noncurrent loans | 22,653.8462% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,254 |
| Noncurrent loans to loans | 0.0175% | 4,136 |
| Net loans and leases to total assets | 48.7259% | 3,663 |
| Net loans and leases to deposits | 60.6650% | 3,330 |
| Net loans and leases to core deposits | 62.7033% | 3,401 |
| Total domestic deposits to total assets | 80.3197% | 4,184 |
| Equity capital to assets | 12.9712% | 957 |
| Core capital (leverage) ratio | 11.7774% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,936,333 | 3,534 |
| Average earning assets | $138,415,000 | 3,533 |
| Average equity | $19,141,667 | 3,325 |
| Average total loans | $77,465,333 | 3,591 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 860 |
| Cost of funding earning assets | 0.4275% | 1,876 |
| Net interest margin | 4.0084% | 832 |
| Noninterest income to average assets | 0.5350% | 2,458 |
| Noninterest expense to average assets | 2.4968% | 2,183 |
| Loan and lease loss provision to assets | 0.1544% | 833 |
| Net operating income to assets | 1.3132% | 1,788 |
| Return on assets (ROA) | 1.3176% | 1,855 |
| Pretax return on assets | 1.6077% | 1,705 |
| Return on Equity (ROE) | 10.2983% | 2,596 |
| Retained earnings to average equity (ytd only) | 10.2983% | 1,574 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6984% | 3,200 |
| Assets per employee ($millions) | 5.1933% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6586% | 88 |
| Loan loss allowance to noncurrent loans | 35,375.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,367 |
| Noncurrent loans to loans | 0.0103% | 4,260 |
| Net loans and leases to total assets | 46.2902% | 3,940 |
| Net loans and leases to deposits | 58.3579% | 3,615 |
| Net loans and leases to core deposits | 62.7721% | 3,519 |
| Total domestic deposits to total assets | 79.3212% | 4,292 |
| Equity capital to assets | 11.9721% | 1,302 |
| Core capital (leverage) ratio | 11.8983% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,273,000 | 3,525 |
| Average earning assets | $139,407,000 | 3,522 |
| Average equity | $19,226,500 | 3,308 |
| Average total loans | $79,091,500 | 3,579 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 2,067 |
| Cost of funding earning assets | 0.5924% | 2,367 |
| Net interest margin | 3.6338% | 2,031 |
| Noninterest income to average assets | 0.6964% | 1,875 |
| Noninterest expense to average assets | 2.4565% | 2,971 |
| Loan and lease loss provision to assets | 0.2861% | 1,327 |
| Net operating income to assets | 1.1149% | 1,861 |
| Return on assets (ROA) | 1.1893% | 1,698 |
| Pretax return on assets | 1.4225% | 1,588 |
| Return on Equity (ROE) | 9.1504% | 2,336 |
| Retained earnings to average equity (ytd only) | -14.9711% | 4,949 |
| Net charge-offs to loans | 0.0986% | 1,486 |
| Credit loss provision to net charge-offs | 503.4884% | 1,243 |
| Earnings coverage of net charge-offs (x) | 28.5116% | 1,655 |
| Efficiency ratio | 60.2593% | 3,420 |
| Assets per employee ($millions) | 4.5018% | 3,912 |
| Cash dividends to net income (ytd only)* | 263.6111% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4294% | 101 |
| Loan loss allowance to noncurrent loans | 1,823.6842% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 3,752 |
| Noncurrent loans to loans | 0.1880% | 3,540 |
| Net loans and leases to total assets | 55.9335% | 3,310 |
| Net loans and leases to deposits | 74.8880% | 2,389 |
| Net loans and leases to core deposits | 80.6676% | 2,304 |
| Total domestic deposits to total assets | 74.6895% | 4,597 |
| Equity capital to assets | 13.7430% | 861 |
| Core capital (leverage) ratio | 11.8529% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,354,800 | 3,392 |
| Average earning assets | $140,788,800 | 3,376 |
| Average equity | $19,671,200 | 3,215 |
| Average total loans | $87,193,600 | 3,451 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2677% | 2,192 |
| Cost of funding earning assets | 0.6117% | 2,539 |
| Net interest margin | 3.6560% | 2,084 |
| Noninterest income to average assets | 0.7561% | 1,632 |
| Noninterest expense to average assets | 2.3874% | 3,175 |
| Loan and lease loss provision to assets | 0.3214% | 1,228 |
| Net operating income to assets | 1.1824% | 1,699 |
| Return on assets (ROA) | 1.2762% | 1,515 |
| Pretax return on assets | 1.5717% | 1,268 |
| Return on Equity (ROE) | 9.9488% | 2,034 |
| Retained earnings to average equity (ytd only) | -22.0126% | 4,985 |
| Net charge-offs to loans | -0.0255% | 4,479 |
| Credit loss provision to net charge-offs | -2,188.2353% | 4,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3237% | 3,759 |
| Assets per employee ($millions) | 5.1914% | 3,026 |
| Cash dividends to net income (ytd only)* | 321.2593% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8192% | 165 |
| Loan loss allowance to noncurrent loans | 660.5634% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 3,119 |
| Noncurrent loans to loans | 0.4268% | 2,780 |
| Net loans and leases to total assets | 60.2742% | 3,201 |
| Net loans and leases to deposits | 88.9591% | 1,375 |
| Net loans and leases to core deposits | 96.0311% | 1,457 |
| Total domestic deposits to total assets | 67.7549% | 4,818 |
| Equity capital to assets | 11.7098% | 1,870 |
| Core capital (leverage) ratio | 11.0416% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,304,750 | 3,328 |
| Average earning assets | $143,868,250 | 3,325 |
| Average equity | $19,794,250 | 3,207 |
| Average total loans | $88,784,500 | 3,439 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 1,953 |
| Cost of funding earning assets | 0.6588% | 2,630 |
| Net interest margin | 3.8275% | 1,746 |
| Noninterest income to average assets | 0.9599% | 1,055 |
| Noninterest expense to average assets | 2.4787% | 3,024 |
| Loan and lease loss provision to assets | 0.4103% | 976 |
| Net operating income to assets | 1.3756% | 1,158 |
| Return on assets (ROA) | 1.5004% | 998 |
| Pretax return on assets | 1.7870% | 835 |
| Return on Equity (ROE) | 11.3472% | 1,531 |
| Retained earnings to average equity (ytd only) | -35.1256% | 5,039 |
| Net charge-offs to loans | -0.0047% | 4,000 |
| Credit loss provision to net charge-offs | -15,600.0000% | 4,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7488% | 4,089 |
| Assets per employee ($millions) | 5.2601% | 2,878 |
| Cash dividends to net income (ytd only)* | 409.5530% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9651% | 137 |
| Loan loss allowance to noncurrent loans | 639.9533% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 3,262 |
| Noncurrent loans to loans | 0.4633% | 2,752 |
| Net loans and leases to total assets | 54.9702% | 3,784 |
| Net loans and leases to deposits | 75.4296% | 2,926 |
| Net loans and leases to core deposits | 81.3527% | 2,833 |
| Total domestic deposits to total assets | 72.8761% | 4,656 |
| Equity capital to assets | 11.2840% | 2,130 |
| Core capital (leverage) ratio | 11.2261% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,095,333 | 3,334 |
| Average earning assets | $141,763,333 | 3,328 |
| Average equity | $20,110,667 | 3,164 |
| Average total loans | $85,107,667 | 3,499 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 2,964 |
| Cost of funding earning assets | 0.9015% | 1,855 |
| Net interest margin | 3.3859% | 3,338 |
| Noninterest income to average assets | 1.7052% | 319 |
| Noninterest expense to average assets | 2.6601% | 2,809 |
| Loan and lease loss provision to assets | 0.1419% | 1,964 |
| Net operating income to assets | 1.6574% | 552 |
| Return on assets (ROA) | 1.9071% | 362 |
| Pretax return on assets | 2.3573% | 217 |
| Return on Equity (ROE) | 13.3359% | 820 |
| Retained earnings to average equity (ytd only) | 5.5518% | 2,048 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8369% | 4,322 |
| Assets per employee ($millions) | 4.6787% | 3,017 |
| Cash dividends to net income (ytd only)* | 58.3691% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0408% | 145 |
| Loan loss allowance to noncurrent loans | 232.5822% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 1,835 |
| Noncurrent loans to loans | 1.3074% | 1,249 |
| Net loans and leases to total assets | 54.4550% | 3,946 |
| Net loans and leases to deposits | 69.6635% | 3,619 |
| Net loans and leases to core deposits | 74.8004% | 3,583 |
| Total domestic deposits to total assets | 78.1686% | 4,192 |
| Equity capital to assets | 14.2872% | 967 |
| Core capital (leverage) ratio | 14.1573% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,611,500 | 3,370 |
| Average earning assets | $136,213,500 | 3,370 |
| Average equity | $20,966,000 | 3,077 |
| Average total loans | $81,474,000 | 3,555 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4009% | 3,247 |
| Cost of funding earning assets | 0.8424% | 2,477 |
| Net interest margin | 3.5586% | 3,256 |
| Noninterest income to average assets | 0.3447% | 3,644 |
| Noninterest expense to average assets | 2.5789% | 3,240 |
| Loan and lease loss provision to assets | 0.0483% | 3,059 |
| Net operating income to assets | 0.8909% | 3,243 |
| Return on assets (ROA) | 0.8927% | 3,323 |
| Pretax return on assets | 1.0279% | 3,393 |
| Return on Equity (ROE) | 6.2763% | 3,827 |
| Retained earnings to average equity (ytd only) | 2.5444% | 3,757 |
| Net charge-offs to loans | -0.0073% | 4,397 |
| Credit loss provision to net charge-offs | -1,166.6667% | 4,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5982% | 2,081 |
| Assets per employee ($millions) | 4.4904% | 3,235 |
| Cash dividends to net income (ytd only)* | 59.4595% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9758% | 129 |
| Loan loss allowance to noncurrent loans | 6,736.1111% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 4,535 |
| Noncurrent loans to loans | 0.0442% | 4,385 |
| Net loans and leases to total assets | 53.3560% | 4,125 |
| Net loans and leases to deposits | 67.9655% | 3,824 |
| Net loans and leases to core deposits | 73.9430% | 3,727 |
| Total domestic deposits to total assets | 78.5044% | 4,278 |
| Equity capital to assets | 14.3133% | 992 |
| Core capital (leverage) ratio | 14.3387% | 839 |
| Tier 1 risk-based capital ratio | 20.8337% | 1,195 |
| Total risk-based capital ratio | 22.0974% | 1,164 |
| Memoranda: | ||
| Average total assets | $145,060,000 | 3,365 |
| Average earning assets | $134,858,000 | 3,355 |
| Average equity | $20,633,200 | 3,078 |
| Average total loans | $82,152,200 | 3,557 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 3,248 |
| Cost of funding earning assets | 0.8727% | 2,357 |
| Net interest margin | 3.5632% | 3,360 |
| Noninterest income to average assets | 0.3428% | 3,677 |
| Noninterest expense to average assets | 2.5552% | 3,287 |
| Loan and lease loss provision to assets | 0.0416% | 3,072 |
| Net operating income to assets | 0.8872% | 3,395 |
| Return on assets (ROA) | 0.8825% | 3,487 |
| Pretax return on assets | 1.0535% | 3,438 |
| Return on Equity (ROE) | 6.2146% | 3,981 |
| Retained earnings to average equity (ytd only) | 1.3796% | 4,463 |
| Net charge-offs to loans | -0.0097% | 4,367 |
| Credit loss provision to net charge-offs | -750.0000% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8938% | 2,130 |
| Assets per employee ($millions) | 4.4913% | 3,222 |
| Cash dividends to net income (ytd only)* | 77.8010% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9441% | 136 |
| Loan loss allowance to noncurrent loans | 6,486.4865% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,606 |
| Noncurrent loans to loans | 0.0454% | 4,448 |
| Net loans and leases to total assets | 56.8265% | 3,985 |
| Net loans and leases to deposits | 73.4713% | 3,524 |
| Net loans and leases to core deposits | 79.6759% | 3,414 |
| Total domestic deposits to total assets | 77.3452% | 4,467 |
| Equity capital to assets | 14.9875% | 848 |
| Core capital (leverage) ratio | 13.8490% | 1,025 |
| Tier 1 risk-based capital ratio | 20.6623% | 1,240 |
| Total risk-based capital ratio | 21.9260% | 1,210 |
| Memoranda: | ||
| Average total assets | $144,279,000 | 3,410 |
| Average earning assets | $134,147,500 | 3,396 |
| Average equity | $20,489,000 | 3,113 |
| Average total loans | $82,317,750 | 3,593 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 3,519 |
| Cost of funding earning assets | 0.8506% | 2,393 |
| Net interest margin | 3.4878% | 3,636 |
| Noninterest income to average assets | 0.3274% | 3,751 |
| Noninterest expense to average assets | 2.5000% | 3,479 |
| Loan and lease loss provision to assets | 0.0411% | 2,991 |
| Net operating income to assets | 0.8585% | 3,438 |
| Return on assets (ROA) | 0.8493% | 3,530 |
| Pretax return on assets | 1.0165% | 3,484 |
| Return on Equity (ROE) | 6.0895% | 4,023 |
| Retained earnings to average equity (ytd only) | 0.7857% | 4,491 |
| Net charge-offs to loans | -0.0969% | 4,996 |
| Credit loss provision to net charge-offs | -75.0000% | 3,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0576% | 2,217 |
| Assets per employee ($millions) | 4.9749% | 2,506 |
| Cash dividends to net income (ytd only)* | 87.0968% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8715% | 148 |
| Loan loss allowance to noncurrent loans | 4,319.6429% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 4,583 |
| Noncurrent loans to loans | 0.0665% | 4,384 |
| Net loans and leases to total assets | 53.0547% | 4,285 |
| Net loans and leases to deposits | 66.6319% | 4,054 |
| Net loans and leases to core deposits | 73.4152% | 3,923 |
| Total domestic deposits to total assets | 79.6235% | 4,112 |
| Equity capital to assets | 13.4054% | 1,374 |
| Core capital (leverage) ratio | 13.5044% | 1,116 |
| Tier 1 risk-based capital ratio | 20.2785% | 1,297 |
| Total risk-based capital ratio | 21.5428% | 1,263 |
| Memoranda: | ||
| Average total assets | $145,997,330 | 3,402 |
| Average earning assets | $135,672,670 | 3,398 |
| Average equity | $20,363,000 | 3,119 |
| Average total loans | $82,584,000 | 3,604 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 3,300 |
| Cost of funding earning assets | 0.8499% | 2,273 |
| Net interest margin | 3.5307% | 3,496 |
| Noninterest income to average assets | 0.3919% | 3,237 |
| Noninterest expense to average assets | 2.6331% | 3,108 |
| Loan and lease loss provision to assets | 0.0423% | 2,791 |
| Net operating income to assets | 0.8107% | 3,577 |
| Return on assets (ROA) | 0.7922% | 3,698 |
| Pretax return on assets | 0.9613% | 3,580 |
| Return on Equity (ROE) | 5.5623% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.5623% | 2,663 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9569% | 2,049 |
| Assets per employee ($millions) | 4.6688% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9938% | 134 |
| Loan loss allowance to noncurrent loans | 6,751.4286% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 4,729 |
| Noncurrent loans to loans | 0.0443% | 4,563 |
| Net loans and leases to total assets | 52.9026% | 4,280 |
| Net loans and leases to deposits | 67.5087% | 3,958 |
| Net loans and leases to core deposits | 75.0069% | 3,735 |
| Total domestic deposits to total assets | 78.3641% | 4,456 |
| Equity capital to assets | 14.1558% | 985 |
| Core capital (leverage) ratio | 14.4366% | 833 |
| Tier 1 risk-based capital ratio | 21.5358% | 1,105 |
| Total risk-based capital ratio | 22.8011% | 1,084 |
| Memoranda: | ||
| Average total assets | $141,885,000 | 3,508 |
| Average earning assets | $131,305,500 | 3,497 |
| Average equity | $20,207,500 | 3,141 |
| Average total loans | $81,755,500 | 3,659 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 2,887 |
| Cost of funding earning assets | 0.6874% | 2,164 |
| Net interest margin | 3.6756% | 3,134 |
| Noninterest income to average assets | 0.3759% | 3,578 |
| Noninterest expense to average assets | 2.6913% | 3,050 |
| Loan and lease loss provision to assets | 0.0458% | 3,271 |
| Net operating income to assets | 0.9114% | 3,399 |
| Return on assets (ROA) | 0.9114% | 3,386 |
| Pretax return on assets | 1.0290% | 3,517 |
| Return on Equity (ROE) | 6.1198% | 4,138 |
| Retained earnings to average equity (ytd only) | 3.3395% | 3,743 |
| Net charge-offs to loans | 0.0552% | 2,353 |
| Credit loss provision to net charge-offs | 133.3333% | 1,985 |
| Earnings coverage of net charge-offs (x) | 31.2667% | 1,551 |
| Efficiency ratio | 71.4604% | 1,975 |
| Assets per employee ($millions) | 4.4851% | 3,195 |
| Cash dividends to net income (ytd only)* | 45.4317% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7772% | 170 |
| Loan loss allowance to noncurrent loans | 5,872.5000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 4,721 |
| Noncurrent loans to loans | 0.0473% | 4,531 |
| Net loans and leases to total assets | 59.1435% | 3,854 |
| Net loans and leases to deposits | 76.2962% | 3,328 |
| Net loans and leases to core deposits | 86.2341% | 2,897 |
| Total domestic deposits to total assets | 77.5184% | 4,557 |
| Equity capital to assets | 14.3321% | 881 |
| Core capital (leverage) ratio | 15.2497% | 633 |
| Tier 1 risk-based capital ratio | 20.5232% | 1,223 |
| Total risk-based capital ratio | 21.7865% | 1,191 |
| Memoranda: | ||
| Average total assets | $130,901,800 | 3,639 |
| Average earning assets | $120,741,800 | 3,632 |
| Average equity | $19,494,000 | 3,134 |
| Average total loans | $81,453,800 | 3,639 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,845 |
| Cost of funding earning assets | 0.6324% | 2,255 |
| Net interest margin | 3.6991% | 3,022 |
| Noninterest income to average assets | 0.4697% | 3,044 |
| Noninterest expense to average assets | 2.7759% | 2,723 |
| Loan and lease loss provision to assets | 0.0466% | 3,051 |
| Net operating income to assets | 0.8887% | 3,589 |
| Return on assets (ROA) | 0.8887% | 3,591 |
| Pretax return on assets | 1.0667% | 3,515 |
| Return on Equity (ROE) | 5.9079% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.1803% | 4,512 |
| Net charge-offs to loans | 0.0777% | 1,745 |
| Credit loss provision to net charge-offs | 95.7447% | 2,352 |
| Earnings coverage of net charge-offs (x) | 22.8918% | 1,859 |
| Efficiency ratio | 71.3754% | 1,983 |
| Assets per employee ($millions) | 4.1697% | 3,618 |
| Cash dividends to net income (ytd only)* | 63.0970% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8030% | 168 |
| Loan loss allowance to noncurrent loans | 5,554.7619% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,817 |
| Noncurrent loans to loans | 0.0505% | 4,668 |
| Net loans and leases to total assets | 62.5863% | 3,590 |
| Net loans and leases to deposits | 82.9572% | 2,718 |
| Net loans and leases to core deposits | 93.5638% | 2,341 |
| Total domestic deposits to total assets | 75.4441% | 4,841 |
| Equity capital to assets | 14.9845% | 723 |
| Core capital (leverage) ratio | 15.3985% | 611 |
| Tier 1 risk-based capital ratio | 20.5080% | 1,246 |
| Total risk-based capital ratio | 21.7720% | 1,217 |
| Memoranda: | ||
| Average total assets | $128,867,750 | 3,697 |
| Average earning assets | $119,124,250 | 3,694 |
| Average equity | $19,385,750 | 3,164 |
| Average total loans | $80,672,000 | 3,684 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 2,847 |
| Cost of funding earning assets | 0.5780% | 2,376 |
| Net interest margin | 3.6983% | 2,930 |
| Noninterest income to average assets | 0.3744% | 3,653 |
| Noninterest expense to average assets | 2.7172% | 2,952 |
| Loan and lease loss provision to assets | 0.0466% | 2,969 |
| Net operating income to assets | 0.8545% | 3,652 |
| Return on assets (ROA) | 0.8545% | 3,653 |
| Pretax return on assets | 1.0300% | 3,567 |
| Return on Equity (ROE) | 5.6726% | 4,352 |
| Retained earnings to average equity (ytd only) | 0.0825% | 4,942 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6216% | 2,063 |
| Assets per employee ($millions) | 4.2186% | 3,550 |
| Cash dividends to net income (ytd only)* | 98.5455% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9673% | 146 |
| Loan loss allowance to noncurrent loans | 1,257.4468% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 4,247 |
| Noncurrent loans to loans | 0.2360% | 3,867 |
| Net loans and leases to total assets | 61.0824% | 3,701 |
| Net loans and leases to deposits | 82.3838% | 2,732 |
| Net loans and leases to core deposits | 94.2054% | 2,204 |
| Total domestic deposits to total assets | 74.1437% | 5,030 |
| Equity capital to assets | 15.1647% | 658 |
| Core capital (leverage) ratio | 15.3078% | 614 |
| Tier 1 risk-based capital ratio | 20.8050% | 1,209 |
| Total risk-based capital ratio | 22.0703% | 1,179 |
| Memoranda: | ||
| Average total assets | $128,737,000 | 3,721 |
| Average earning assets | $119,026,670 | 3,731 |
| Average equity | $19,391,330 | 3,182 |
| Average total loans | $79,818,670 | 3,713 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 3,170 |
| Cost of funding earning assets | 0.4962% | 2,826 |
| Net interest margin | 3.6232% | 3,097 |
| Noninterest income to average assets | 0.4129% | 3,373 |
| Noninterest expense to average assets | 2.7205% | 2,972 |
| Loan and lease loss provision to assets | 0.0462% | 2,840 |
| Net operating income to assets | 0.8196% | 3,631 |
| Return on assets (ROA) | 0.8196% | 3,643 |
| Pretax return on assets | 0.9983% | 3,538 |
| Return on Equity (ROE) | 5.4589% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.4589% | 2,969 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2586% | 2,151 |
| Assets per employee ($millions) | 4.1369% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9339% | 165 |
| Loan loss allowance to noncurrent loans | 1,277.1739% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 4,370 |
| Noncurrent loans to loans | 0.2297% | 3,945 |
| Net loans and leases to total assets | 60.6246% | 3,691 |
| Net loans and leases to deposits | 78.4937% | 2,963 |
| Net loans and leases to core deposits | 100.1249% | 1,677 |
| Total domestic deposits to total assets | 77.2350% | 4,836 |
| Equity capital to assets | 15.1811% | 629 |
| Core capital (leverage) ratio | 15.3905% | 575 |
| Tier 1 risk-based capital ratio | 21.1358% | 1,184 |
| Total risk-based capital ratio | 22.4013% | 1,153 |
| Memoranda: | ||
| Average total assets | $129,827,000 | 3,753 |
| Average earning assets | $120,114,500 | 3,746 |
| Average equity | $19,491,000 | 3,203 |
| Average total loans | $79,894,000 | 3,746 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,504 |
| Cost of funding earning assets | 0.4248% | 3,002 |
| Net interest margin | 3.5470% | 3,354 |
| Noninterest income to average assets | 0.4641% | 3,224 |
| Noninterest expense to average assets | 2.5464% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9298% | 2,549 |
| Return on assets (ROA) | 0.9327% | 2,568 |
| Pretax return on assets | 1.2141% | 2,713 |
| Return on Equity (ROE) | 6.4322% | 3,563 |
| Retained earnings to average equity (ytd only) | 5.3183% | 1,918 |
| Net charge-offs to loans | 0.0064% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 319.2000% | 269 |
| Efficiency ratio | 67.7836% | 2,936 |
| Assets per employee ($millions) | 4.2390% | 3,595 |
| Cash dividends to net income (ytd only)* | 17.3171% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9301% | 155 |
| Loan loss allowance to noncurrent loans | 1,235.4497% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 4,428 |
| Noncurrent loans to loans | 0.2372% | 3,952 |
| Net loans and leases to total assets | 58.8658% | 3,936 |
| Net loans and leases to deposits | 77.9537% | 3,116 |
| Net loans and leases to core deposits | 94.4413% | 2,155 |
| Total domestic deposits to total assets | 75.5139% | 5,027 |
| Equity capital to assets | 14.8491% | 709 |
| Core capital (leverage) ratio | 15.0898% | 602 |
| Tier 1 risk-based capital ratio | 20.6882% | 1,199 |
| Total risk-based capital ratio | 21.9532% | 1,170 |
| Memoranda: | ||
| Average total assets | $131,872,600 | 3,721 |
| Average earning assets | $122,413,200 | 3,704 |
| Average equity | $19,122,600 | 3,231 |
| Average total loans | $78,487,000 | 3,779 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 3,572 |
| Cost of funding earning assets | 0.3967% | 3,233 |
| Net interest margin | 3.5388% | 3,355 |
| Noninterest income to average assets | 0.4586% | 3,284 |
| Noninterest expense to average assets | 2.4395% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0451% | 2,355 |
| Return on assets (ROA) | 1.0597% | 2,321 |
| Pretax return on assets | 1.3263% | 2,378 |
| Return on Equity (ROE) | 7.3515% | 3,468 |
| Retained earnings to average equity (ytd only) | 5.8588% | 2,331 |
| Net charge-offs to loans | 0.0085% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 258.8636% | 341 |
| Efficiency ratio | 65.0943% | 3,360 |
| Assets per employee ($millions) | 4.7877% | 2,715 |
| Cash dividends to net income (ytd only)* | 20.3049% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9268% | 166 |
| Loan loss allowance to noncurrent loans | 4,024.1379% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 5,009 |
| Noncurrent loans to loans | 0.0727% | 4,787 |
| Net loans and leases to total assets | 59.8854% | 3,879 |
| Net loans and leases to deposits | 80.4406% | 2,926 |
| Net loans and leases to core deposits | 101.0666% | 1,618 |
| Total domestic deposits to total assets | 74.4467% | 5,192 |
| Equity capital to assets | 15.1555% | 702 |
| Core capital (leverage) ratio | 14.5564% | 756 |
| Tier 1 risk-based capital ratio | 20.7984% | 1,232 |
| Total risk-based capital ratio | 22.0638% | 1,195 |
| Memoranda: | ||
| Average total assets | $131,988,500 | 3,755 |
| Average earning assets | $122,673,750 | 3,739 |
| Average equity | $19,025,000 | 3,272 |
| Average total loans | $78,186,250 | 3,819 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8152% | 3,842 |
| Cost of funding earning assets | 0.3399% | 3,690 |
| Net interest margin | 3.4753% | 3,490 |
| Noninterest income to average assets | 0.4078% | 3,641 |
| Noninterest expense to average assets | 2.3793% | 4,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9898% | 2,475 |
| Return on assets (ROA) | 1.0053% | 2,444 |
| Pretax return on assets | 1.2792% | 2,463 |
| Return on Equity (ROE) | 7.0927% | 3,504 |
| Retained earnings to average equity (ytd only) | 4.8311% | 2,824 |
| Net charge-offs to loans | 0.0129% | 3,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 167.4000% | 463 |
| Efficiency ratio | 65.3846% | 3,448 |
| Assets per employee ($millions) | 4.6969% | 2,798 |
| Cash dividends to net income (ytd only)* | 31.8862% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9744% | 166 |
| Loan loss allowance to noncurrent loans | 3,704.7619% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 5,035 |
| Noncurrent loans to loans | 0.0803% | 4,814 |
| Net loans and leases to total assets | 57.8916% | 4,046 |
| Net loans and leases to deposits | 79.0857% | 3,014 |
| Net loans and leases to core deposits | 93.1588% | 2,228 |
| Total domestic deposits to total assets | 73.2011% | 5,369 |
| Equity capital to assets | 14.6427% | 784 |
| Core capital (leverage) ratio | 14.4680% | 749 |
| Tier 1 risk-based capital ratio | 20.2542% | 1,314 |
| Total risk-based capital ratio | 21.5187% | 1,284 |
| Memoranda: | ||
| Average total assets | $132,895,670 | 3,770 |
| Average earning assets | $123,557,330 | 3,743 |
| Average equity | $18,836,330 | 3,298 |
| Average total loans | $77,666,330 | 3,845 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 3,893 |
| Cost of funding earning assets | 0.2991% | 4,054 |
| Net interest margin | 3.4638% | 3,409 |
| Noninterest income to average assets | 0.4192% | 3,523 |
| Noninterest expense to average assets | 2.3565% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0232% | 2,209 |
| Return on assets (ROA) | 1.0540% | 2,104 |
| Pretax return on assets | 1.3265% | 2,152 |
| Return on Equity (ROE) | 7.5593% | 3,133 |
| Retained earnings to average equity (ytd only) | 7.5593% | 1,625 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6672% | 3,712 |
| Assets per employee ($millions) | 4.8116% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0105% | 173 |
| Loan loss allowance to noncurrent loans | 3,439.7059% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 5,091 |
| Noncurrent loans to loans | 0.0875% | 4,843 |
| Net loans and leases to total assets | 58.0045% | 3,975 |
| Net loans and leases to deposits | 71.5299% | 3,651 |
| Net loans and leases to core deposits | 81.5885% | 3,133 |
| Total domestic deposits to total assets | 81.0913% | 4,396 |
| Equity capital to assets | 14.5181% | 750 |
| Core capital (leverage) ratio | 14.1795% | 792 |
| Tier 1 risk-based capital ratio | 20.2000% | 1,351 |
| Total risk-based capital ratio | 21.4648% | 1,320 |
| Memoranda: | ||
| Average total assets | $133,587,000 | 3,787 |
| Average earning assets | $124,371,500 | 3,764 |
| Average equity | $18,626,000 | 3,331 |
| Average total loans | $77,265,000 | 3,875 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7724% | 3,989 |
| Cost of funding earning assets | 0.3115% | 3,936 |
| Net interest margin | 3.4609% | 3,581 |
| Noninterest income to average assets | 0.4429% | 3,596 |
| Noninterest expense to average assets | 2.3767% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0461% | 2,156 |
| Return on assets (ROA) | 1.0880% | 2,051 |
| Pretax return on assets | 1.3404% | 2,140 |
| Return on Equity (ROE) | 8.0178% | 2,921 |
| Retained earnings to average equity (ytd only) | 5.0805% | 2,295 |
| Net charge-offs to loans | -0.0013% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8409% | 3,791 |
| Assets per employee ($millions) | 4.9021% | 2,502 |
| Cash dividends to net income (ytd only)* | 36.6350% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0442% | 166 |
| Loan loss allowance to noncurrent loans | 3,204.1096% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 5,009 |
| Noncurrent loans to loans | 0.0950% | 4,859 |
| Net loans and leases to total assets | 54.2736% | 4,424 |
| Net loans and leases to deposits | 65.8423% | 4,254 |
| Net loans and leases to core deposits | 74.8613% | 3,847 |
| Total domestic deposits to total assets | 82.4297% | 3,955 |
| Equity capital to assets | 13.3987% | 1,089 |
| Core capital (leverage) ratio | 13.7991% | 869 |
| Tier 1 risk-based capital ratio | 19.8032% | 1,420 |
| Total risk-based capital ratio | 21.0678% | 1,383 |
| Memoranda: | ||
| Average total assets | $135,480,400 | 3,744 |
| Average earning assets | $126,152,600 | 3,719 |
| Average equity | $18,384,000 | 3,357 |
| Average total loans | $74,530,800 | 3,932 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7776% | 3,991 |
| Cost of funding earning assets | 0.3181% | 3,895 |
| Net interest margin | 3.4595% | 3,627 |
| Noninterest income to average assets | 0.4196% | 3,777 |
| Noninterest expense to average assets | 2.3904% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9710% | 2,567 |
| Return on assets (ROA) | 1.0249% | 2,447 |
| Pretax return on assets | 1.3201% | 2,346 |
| Return on Equity (ROE) | 7.5288% | 3,281 |
| Retained earnings to average equity (ytd only) | 3.6121% | 3,724 |
| Net charge-offs to loans | -0.0018% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6453% | 3,651 |
| Assets per employee ($millions) | 4.7898% | 2,625 |
| Cash dividends to net income (ytd only)* | 52.0228% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9602% | 197 |
| Loan loss allowance to noncurrent loans | 2,818.0723% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 5,072 |
| Noncurrent loans to loans | 0.1050% | 4,921 |
| Net loans and leases to total assets | 57.1718% | 4,180 |
| Net loans and leases to deposits | 73.3145% | 3,663 |
| Net loans and leases to core deposits | 84.2945% | 3,095 |
| Total domestic deposits to total assets | 77.9816% | 4,917 |
| Equity capital to assets | 13.9090% | 1,076 |
| Core capital (leverage) ratio | 13.1089% | 1,147 |
| Tier 1 risk-based capital ratio | 18.9047% | 1,693 |
| Total risk-based capital ratio | 20.1694% | 1,652 |
| Memoranda: | ||
| Average total assets | $135,035,500 | 3,772 |
| Average earning assets | $125,756,750 | 3,737 |
| Average equity | $18,382,250 | 3,386 |
| Average total loans | $73,954,750 | 3,970 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 4,365 |
| Cost of funding earning assets | 0.3172% | 3,935 |
| Net interest margin | 3.3605% | 4,021 |
| Noninterest income to average assets | 0.4152% | 3,779 |
| Noninterest expense to average assets | 2.3659% | 4,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9211% | 2,762 |
| Return on assets (ROA) | 0.9856% | 2,594 |
| Pretax return on assets | 1.2635% | 2,549 |
| Return on Equity (ROE) | 7.2929% | 3,375 |
| Retained earnings to average equity (ytd only) | 1.3886% | 4,825 |
| Net charge-offs to loans | -0.0028% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7083% | 3,576 |
| Assets per employee ($millions) | 4.9139% | 2,397 |
| Cash dividends to net income (ytd only)* | 80.9595% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9862% | 197 |
| Loan loss allowance to noncurrent loans | 1,856.3492% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 5,154 |
| Noncurrent loans to loans | 0.1609% | 4,800 |
| Net loans and leases to total assets | 55.2279% | 4,393 |
| Net loans and leases to deposits | 69.5279% | 4,029 |
| Net loans and leases to core deposits | 80.4317% | 3,424 |
| Total domestic deposits to total assets | 79.4328% | 4,686 |
| Equity capital to assets | 13.3747% | 1,294 |
| Core capital (leverage) ratio | 12.9486% | 1,168 |
| Tier 1 risk-based capital ratio | 19.1937% | 1,653 |
| Total risk-based capital ratio | 20.4591% | 1,612 |
| Memoranda: | ||
| Average total assets | $135,342,330 | 3,790 |
| Average earning assets | $126,110,330 | 3,758 |
| Average equity | $18,291,670 | 3,402 |
| Average total loans | $72,268,000 | 4,035 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6611% | 4,447 |
| Cost of funding earning assets | 0.3200% | 3,946 |
| Net interest margin | 3.3410% | 4,075 |
| Noninterest income to average assets | 0.4560% | 3,442 |
| Noninterest expense to average assets | 2.4348% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8784% | 2,859 |
| Return on assets (ROA) | 0.9179% | 2,777 |
| Pretax return on assets | 1.1831% | 2,767 |
| Return on Equity (ROE) | 6.7557% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.7557% | 2,007 |
| Net charge-offs to loans | -0.0058% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2540% | 3,417 |
| Assets per employee ($millions) | 4.5509% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3982% | 151 |
| Loan loss allowance to noncurrent loans | 1,871.2000% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 5,204 |
| Noncurrent loans to loans | 0.1816% | 4,758 |
| Net loans and leases to total assets | 50.3819% | 4,772 |
| Net loans and leases to deposits | 62.4449% | 4,550 |
| Net loans and leases to core deposits | 69.5450% | 4,271 |
| Total domestic deposits to total assets | 80.6821% | 4,583 |
| Equity capital to assets | 13.9912% | 985 |
| Core capital (leverage) ratio | 13.4519% | 1,004 |
| Tier 1 risk-based capital ratio | 21.4675% | 1,237 |
| Total risk-based capital ratio | 22.7363% | 1,212 |
| Memoranda: | ||
| Average total assets | $134,219,500 | 3,829 |
| Average earning assets | $124,991,000 | 3,806 |
| Average equity | $18,236,500 | 3,409 |
| Average total loans | $69,239,000 | 4,129 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9745% | 3,408 |
| Cost of funding earning assets | 0.3437% | 3,755 |
| Net interest margin | 3.6308% | 3,013 |
| Noninterest income to average assets | 0.5735% | 2,871 |
| Noninterest expense to average assets | 2.5503% | 4,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1025% | 1,914 |
| Return on assets (ROA) | 1.1382% | 1,843 |
| Pretax return on assets | 1.4326% | 1,778 |
| Return on Equity (ROE) | 8.9847% | 2,461 |
| Retained earnings to average equity (ytd only) | 6.0856% | 1,746 |
| Net charge-offs to loans | -0.2443% | 5,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7668% | 4,123 |
| Assets per employee ($millions) | 4.5488% | 2,964 |
| Cash dividends to net income (ytd only)* | 32.2663% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3569% | 151 |
| Loan loss allowance to noncurrent loans | 2,435.4167% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 5,305 |
| Noncurrent loans to loans | 0.1378% | 4,944 |
| Net loans and leases to total assets | 49.3240% | 4,926 |
| Net loans and leases to deposits | 60.4829% | 4,737 |
| Net loans and leases to core deposits | 61.7140% | 4,891 |
| Total domestic deposits to total assets | 81.5503% | 4,322 |
| Equity capital to assets | 13.1963% | 1,260 |
| Core capital (leverage) ratio | 13.0594% | 1,131 |
| Tier 1 risk-based capital ratio | 20.4277% | 1,400 |
| Total risk-based capital ratio | 21.6957% | 1,376 |
| Memoranda: | ||
| Average total assets | $137,236,200 | 3,764 |
| Average earning assets | $127,162,000 | 3,752 |
| Average equity | $17,385,200 | 3,481 |
| Average total loans | $70,391,400 | 4,084 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 3,977 |
| Cost of funding earning assets | 0.3519% | 3,737 |
| Net interest margin | 3.4837% | 3,609 |
| Noninterest income to average assets | 0.4288% | 3,873 |
| Noninterest expense to average assets | 2.3633% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9992% | 2,472 |
| Return on assets (ROA) | 1.0313% | 2,414 |
| Pretax return on assets | 1.3340% | 2,266 |
| Return on Equity (ROE) | 8.2260% | 2,954 |
| Retained earnings to average equity (ytd only) | 4.3258% | 3,394 |
| Net charge-offs to loans | -0.0567% | 5,583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6497% | 4,126 |
| Assets per employee ($millions) | 4.1255% | 3,667 |
| Cash dividends to net income (ytd only)* | 47.4127% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2162% | 197 |
| Loan loss allowance to noncurrent loans | 1,943.3628% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 5,219 |
| Noncurrent loans to loans | 0.1655% | 4,991 |
| Net loans and leases to total assets | 50.0572% | 4,926 |
| Net loans and leases to deposits | 62.4054% | 4,687 |
| Net loans and leases to core deposits | 63.7405% | 4,833 |
| Total domestic deposits to total assets | 80.2129% | 4,691 |
| Equity capital to assets | 13.2667% | 1,320 |
| Core capital (leverage) ratio | 12.6804% | 1,328 |
| Tier 1 risk-based capital ratio | 19.9932% | 1,550 |
| Total risk-based capital ratio | 21.2590% | 1,508 |
| Memoranda: | ||
| Average total assets | $137,429,500 | 3,796 |
| Average earning assets | $127,293,750 | 3,789 |
| Average equity | $17,229,500 | 3,527 |
| Average total loans | $70,577,500 | 4,119 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 3,999 |
| Cost of funding earning assets | 0.3585% | 3,720 |
| Net interest margin | 3.4582% | 3,666 |
| Noninterest income to average assets | 0.4151% | 3,967 |
| Noninterest expense to average assets | 2.3313% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0046% | 2,373 |
| Return on assets (ROA) | 1.0371% | 2,310 |
| Pretax return on assets | 1.3258% | 2,257 |
| Return on Equity (ROE) | 8.4274% | 2,833 |
| Retained earnings to average equity (ytd only) | 2.5445% | 4,435 |
| Net charge-offs to loans | -0.0561% | 5,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4815% | 4,275 |
| Assets per employee ($millions) | 4.4012% | 3,140 |
| Cash dividends to net income (ytd only)* | 69.8061% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1141% | 243 |
| Loan loss allowance to noncurrent loans | 2,005.5046% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 5,353 |
| Noncurrent loans to loans | 0.1553% | 5,130 |
| Net loans and leases to total assets | 49.8475% | 4,946 |
| Net loans and leases to deposits | 61.1401% | 4,761 |
| Net loans and leases to core deposits | 62.5274% | 4,899 |
| Total domestic deposits to total assets | 81.5301% | 4,439 |
| Equity capital to assets | 12.5280% | 1,646 |
| Core capital (leverage) ratio | 12.0451% | 1,632 |
| Tier 1 risk-based capital ratio | 19.3945% | 1,698 |
| Total risk-based capital ratio | 20.6596% | 1,660 |
| Memoranda: | ||
| Average total assets | $139,234,330 | 3,794 |
| Average earning assets | $128,853,330 | 3,777 |
| Average equity | $17,134,670 | 3,547 |
| Average total loans | $71,343,670 | 4,126 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7424% | 4,222 |
| Cost of funding earning assets | 0.3696% | 3,651 |
| Net interest margin | 3.3727% | 3,941 |
| Noninterest income to average assets | 0.3925% | 4,062 |
| Noninterest expense to average assets | 2.3949% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7944% | 3,296 |
| Return on assets (ROA) | 0.7964% | 3,407 |
| Pretax return on assets | 1.1150% | 3,017 |
| Return on Equity (ROE) | 6.5285% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.5285% | 2,223 |
| Net charge-offs to loans | -0.0556% | 5,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2887% | 3,773 |
| Assets per employee ($millions) | 4.5200% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0606% | 281 |
| Loan loss allowance to noncurrent loans | 1,565.4676% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 5,374 |
| Noncurrent loans to loans | 0.1955% | 5,079 |
| Net loans and leases to total assets | 49.1878% | 4,924 |
| Net loans and leases to deposits | 62.7516% | 4,501 |
| Net loans and leases to core deposits | 64.4926% | 4,656 |
| Total domestic deposits to total assets | 78.3850% | 5,370 |
| Equity capital to assets | 12.4158% | 1,742 |
| Core capital (leverage) ratio | 11.9495% | 1,671 |
| Tier 1 risk-based capital ratio | 19.7838% | 1,673 |
| Total risk-based capital ratio | 21.0495% | 1,631 |
| Memoranda: | ||
| Average total assets | $140,632,500 | 3,803 |
| Average earning assets | $129,864,500 | 3,783 |
| Average equity | $17,155,500 | 3,570 |
| Average total loans | $71,917,000 | 4,137 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6149% | 5,047 |
| Cost of funding earning assets | 0.3851% | 3,846 |
| Net interest margin | 3.2298% | 4,830 |
| Noninterest income to average assets | 0.4003% | 4,177 |
| Noninterest expense to average assets | 2.1456% | 5,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9912% | 2,425 |
| Return on assets (ROA) | 1.0575% | 2,197 |
| Pretax return on assets | 1.3606% | 2,038 |
| Return on Equity (ROE) | 9.5419% | 2,320 |
| Retained earnings to average equity (ytd only) | 6.4144% | 1,703 |
| Net charge-offs to loans | -0.0363% | 5,836 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7135% | 4,793 |
| Assets per employee ($millions) | 4.5531% | 2,950 |
| Cash dividends to net income (ytd only)* | 32.7763% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9779% | 306 |
| Loan loss allowance to noncurrent loans | 1,604.4444% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 5,320 |
| Noncurrent loans to loans | 0.1856% | 5,167 |
| Net loans and leases to total assets | 49.9982% | 4,978 |
| Net loans and leases to deposits | 61.3258% | 4,778 |
| Net loans and leases to core deposits | 64.1884% | 4,813 |
| Total domestic deposits to total assets | 81.5289% | 4,581 |
| Equity capital to assets | 11.9834% | 2,026 |
| Core capital (leverage) ratio | 11.8984% | 1,697 |
| Tier 1 risk-based capital ratio | 19.1992% | 1,793 |
| Total risk-based capital ratio | 20.4646% | 1,757 |
| Memoranda: | ||
| Average total assets | $147,137,800 | 3,676 |
| Average earning assets | $137,624,000 | 3,634 |
| Average equity | $16,307,000 | 3,628 |
| Average total loans | $71,670,400 | 4,132 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5781% | 5,199 |
| Cost of funding earning assets | 0.3891% | 3,911 |
| Net interest margin | 3.1890% | 5,002 |
| Noninterest income to average assets | 0.3669% | 4,490 |
| Noninterest expense to average assets | 2.1313% | 5,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8846% | 2,989 |
| Return on assets (ROA) | 0.9033% | 2,989 |
| Pretax return on assets | 1.2540% | 2,559 |
| Return on Equity (ROE) | 8.3108% | 3,032 |
| Retained earnings to average equity (ytd only) | 4.1018% | 3,732 |
| Net charge-offs to loans | -0.0598% | 5,972 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4446% | 4,640 |
| Assets per employee ($millions) | 4.5056% | 2,962 |
| Cash dividends to net income (ytd only)* | 50.6454% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0573% | 341 |
| Loan loss allowance to noncurrent loans | 1,241.1429% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 5,527 |
| Noncurrent loans to loans | 0.2463% | 5,160 |
| Net loans and leases to total assets | 47.7681% | 5,229 |
| Net loans and leases to deposits | 58.1758% | 5,091 |
| Net loans and leases to core deposits | 61.4632% | 5,078 |
| Total domestic deposits to total assets | 82.1099% | 4,446 |
| Equity capital to assets | 11.3948% | 2,590 |
| Core capital (leverage) ratio | 10.5207% | 3,016 |
| Tier 1 risk-based capital ratio | 18.5747% | 2,025 |
| Total risk-based capital ratio | 19.8410% | 1,988 |
| Memoranda: | ||
| Average total assets | $148,636,000 | 3,683 |
| Average earning assets | $139,476,000 | 3,640 |
| Average equity | $16,155,250 | 3,667 |
| Average total loans | $71,404,000 | 4,178 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 5,380 |
| Cost of funding earning assets | 0.3929% | 3,945 |
| Net interest margin | 3.1217% | 5,187 |
| Noninterest income to average assets | 0.3504% | 4,624 |
| Noninterest expense to average assets | 2.0450% | 5,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0010% | 2,319 |
| Return on assets (ROA) | 1.0085% | 2,355 |
| Pretax return on assets | 1.2470% | 2,473 |
| Return on Equity (ROE) | 9.4248% | 2,406 |
| Retained earnings to average equity (ytd only) | 3.0752% | 4,246 |
| Net charge-offs to loans | -0.0503% | 5,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2971% | 4,964 |
| Assets per employee ($millions) | 5.4808% | 1,710 |
| Cash dividends to net income (ytd only)* | 67.3712% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0531% | 361 |
| Loan loss allowance to noncurrent loans | 1,160.2151% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 5,734 |
| Noncurrent loans to loans | 0.2631% | 5,234 |
| Net loans and leases to total assets | 37.8870% | 5,964 |
| Net loans and leases to deposits | 44.0894% | 5,979 |
| Net loans and leases to core deposits | 46.5381% | 5,970 |
| Total domestic deposits to total assets | 85.9322% | 3,073 |
| Equity capital to assets | 8.9452% | 5,361 |
| Core capital (leverage) ratio | 10.7056% | 2,718 |
| Tier 1 risk-based capital ratio | 16.9314% | 2,646 |
| Total risk-based capital ratio | 18.1942% | 2,603 |
| Memoranda: | ||
| Average total assets | $150,121,330 | 3,677 |
| Average earning assets | $141,014,330 | 3,631 |
| Average equity | $16,064,000 | 3,680 |
| Average total loans | $71,524,000 | 4,180 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8861% | 4,140 |
| Cost of funding earning assets | 0.4456% | 3,476 |
| Net interest margin | 3.4405% | 3,938 |
| Noninterest income to average assets | 0.4007% | 4,177 |
| Noninterest expense to average assets | 2.3303% | 5,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0836% | 1,882 |
| Return on assets (ROA) | 1.1013% | 1,872 |
| Pretax return on assets | 1.3002% | 2,091 |
| Return on Equity (ROE) | 9.2712% | 2,338 |
| Retained earnings to average equity (ytd only) | 9.2712% | 1,166 |
| Net charge-offs to loans | -0.0111% | 5,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5559% | 4,768 |
| Assets per employee ($millions) | 4.4538% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9850% | 445 |
| Loan loss allowance to noncurrent loans | 1,224.0000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 5,707 |
| Noncurrent loans to loans | 0.2439% | 5,377 |
| Net loans and leases to total assets | 50.4219% | 4,862 |
| Net loans and leases to deposits | 62.2633% | 4,518 |
| Net loans and leases to core deposits | 68.4927% | 4,258 |
| Total domestic deposits to total assets | 80.9817% | 5,240 |
| Equity capital to assets | 11.7660% | 2,040 |
| Core capital (leverage) ratio | 11.6878% | 1,837 |
| Tier 1 risk-based capital ratio | 19.1290% | 1,925 |
| Total risk-based capital ratio | 20.3952% | 1,886 |
| Memoranda: | ||
| Average total assets | $134,748,500 | 3,982 |
| Average earning assets | $125,678,500 | 3,933 |
| Average equity | $16,006,500 | 3,695 |
| Average total loans | $71,944,500 | 4,204 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 3,633 |
| Cost of funding earning assets | 0.5016% | 3,593 |
| Net interest margin | 3.6244% | 3,359 |
| Noninterest income to average assets | 0.3909% | 4,513 |
| Noninterest expense to average assets | 2.3255% | 5,301 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1688% | 1,690 |
| Return on assets (ROA) | 1.2104% | 1,597 |
| Pretax return on assets | 1.4690% | 1,553 |
| Return on Equity (ROE) | 10.2998% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.2998% | 515 |
| Net charge-offs to loans | -0.1859% | 6,607 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1172% | 5,191 |
| Assets per employee ($millions) | 4.3810% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9668% | 492 |
| Loan loss allowance to noncurrent loans | 951.1111% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 5,622 |
| Noncurrent loans to loans | 0.3119% | 5,253 |
| Net loans and leases to total assets | 53.2534% | 4,688 |
| Net loans and leases to deposits | 66.2217% | 4,273 |
| Net loans and leases to core deposits | 72.5604% | 4,000 |
| Total domestic deposits to total assets | 80.4170% | 5,337 |
| Equity capital to assets | 11.9973% | 1,810 |
| Core capital (leverage) ratio | 11.6510% | 1,858 |
| Tier 1 risk-based capital ratio | 18.5374% | 2,070 |
| Total risk-based capital ratio | 19.8032% | 2,030 |
| Memoranda: | ||
| Average total assets | $129,952,000 | 4,074 |
| Average earning assets | $120,214,000 | 4,041 |
| Average equity | $15,272,200 | 3,815 |
| Average total loans | $69,379,000 | 4,290 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 3,492 |
| Cost of funding earning assets | 0.5124% | 3,643 |
| Net interest margin | 3.6570% | 3,206 |
| Noninterest income to average assets | 0.4023% | 4,522 |
| Noninterest expense to average assets | 2.3079% | 5,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1990% | 1,642 |
| Return on assets (ROA) | 1.2399% | 1,587 |
| Pretax return on assets | 1.5228% | 1,537 |
| Return on Equity (ROE) | 10.6060% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.6060% | 665 |
| Net charge-offs to loans | -0.2407% | 6,685 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0506% | 5,278 |
| Assets per employee ($millions) | 4.1965% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1771% | 464 |
| Loan loss allowance to noncurrent loans | 854.0000% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 5,712 |
| Noncurrent loans to loans | 0.3720% | 5,284 |
| Net loans and leases to total assets | 50.0135% | 5,130 |
| Net loans and leases to deposits | 62.2342% | 4,726 |
| Net loans and leases to core deposits | 68.4380% | 4,489 |
| Total domestic deposits to total assets | 80.3633% | 5,404 |
| Equity capital to assets | 11.8592% | 2,006 |
| Core capital (leverage) ratio | 10.8540% | 2,615 |
| Tier 1 risk-based capital ratio | 18.7775% | 2,054 |
| Total risk-based capital ratio | 20.0451% | 2,013 |
| Memoranda: | ||
| Average total assets | $129,582,500 | 4,127 |
| Average earning assets | $119,693,250 | 4,100 |
| Average equity | $15,148,250 | 3,887 |
| Average total loans | $68,691,000 | 4,354 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1555% | 3,517 |
| Cost of funding earning assets | 0.5152% | 3,752 |
| Net interest margin | 3.6402% | 3,207 |
| Noninterest income to average assets | 0.4080% | 4,467 |
| Noninterest expense to average assets | 2.3182% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1854% | 1,632 |
| Return on assets (ROA) | 1.1854% | 1,740 |
| Pretax return on assets | 1.4419% | 1,793 |
| Return on Equity (ROE) | 10.1893% | 2,130 |
| Retained earnings to average equity (ytd only) | 10.1893% | 805 |
| Net charge-offs to loans | -0.1416% | 6,581 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6523% | 5,224 |
| Assets per employee ($millions) | 4.2145% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8654% | 661 |
| Loan loss allowance to noncurrent loans | 741.0072% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 5,601 |
| Noncurrent loans to loans | 0.3867% | 5,305 |
| Net loans and leases to total assets | 53.4493% | 4,662 |
| Net loans and leases to deposits | 71.6311% | 3,506 |
| Net loans and leases to core deposits | 76.8954% | 3,440 |
| Total domestic deposits to total assets | 74.6175% | 6,392 |
| Equity capital to assets | 11.6013% | 2,217 |
| Core capital (leverage) ratio | 11.0775% | 2,285 |
| Tier 1 risk-based capital ratio | 17.3996% | 2,553 |
| Total risk-based capital ratio | 18.6648% | 2,519 |
| Memoranda: | ||
| Average total assets | $129,412,330 | 4,151 |
| Average earning assets | $119,168,670 | 4,138 |
| Average equity | $15,055,000 | 3,934 |
| Average total loans | $69,188,330 | 4,340 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1831% | 3,368 |
| Cost of funding earning assets | 0.5390% | 3,684 |
| Net interest margin | 3.6441% | 3,092 |
| Noninterest income to average assets | 0.4100% | 4,389 |
| Noninterest expense to average assets | 2.3510% | 5,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1584% | 1,644 |
| Return on assets (ROA) | 1.1584% | 1,753 |
| Pretax return on assets | 1.3976% | 1,863 |
| Return on Equity (ROE) | 9.9440% | 2,086 |
| Retained earnings to average equity (ytd only) | 9.9440% | 1,120 |
| Net charge-offs to loans | -0.0236% | 5,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7175% | 5,196 |
| Assets per employee ($millions) | 3.9355% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0398% | 632 |
| Loan loss allowance to noncurrent loans | 522.0207% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 5,511 |
| Noncurrent loans to loans | 0.5823% | 4,986 |
| Net loans and leases to total assets | 49.4883% | 5,050 |
| Net loans and leases to deposits | 62.1202% | 4,526 |
| Net loans and leases to core deposits | 66.3946% | 4,481 |
| Total domestic deposits to total assets | 79.6655% | 5,828 |
| Equity capital to assets | 11.6853% | 2,267 |
| Core capital (leverage) ratio | 11.2924% | 2,016 |
| Tier 1 risk-based capital ratio | 18.0359% | 2,344 |
| Total risk-based capital ratio | 19.3016% | 2,305 |
| Memoranda: | ||
| Average total assets | $128,794,000 | 4,209 |
| Average earning assets | $118,000,000 | 4,196 |
| Average equity | $15,004,000 | 3,995 |
| Average total loans | $67,837,000 | 4,427 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 3,011 |
| Cost of funding earning assets | 0.6854% | 3,609 |
| Net interest margin | 3.9126% | 2,773 |
| Noninterest income to average assets | 0.4800% | 4,042 |
| Noninterest expense to average assets | 2.5407% | 4,962 |
| Loan and lease loss provision to assets | 0.0801% | 4,702 |
| Net operating income to assets | 1.1818% | 1,656 |
| Return on assets (ROA) | 1.1919% | 1,793 |
| Pretax return on assets | 1.4880% | 1,713 |
| Return on Equity (ROE) | 9.4727% | 2,419 |
| Retained earnings to average equity (ytd only) | 3.4391% | 3,804 |
| Net charge-offs to loans | -0.0211% | 6,559 |
| Credit loss provision to net charge-offs | -678.5714% | 6,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0264% | 5,232 |
| Assets per employee ($millions) | 3.8702% | 4,230 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8982% | 738 |
| Loan loss allowance to noncurrent loans | 593.2153% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 5,715 |
| Noncurrent loans to loans | 0.4886% | 5,310 |
| Net loans and leases to total assets | 52.7550% | 4,796 |
| Net loans and leases to deposits | 73.4455% | 3,181 |
| Net loans and leases to core deposits | 77.1078% | 3,385 |
| Total domestic deposits to total assets | 71.8287% | 6,700 |
| Equity capital to assets | 11.6134% | 2,334 |
| Core capital (leverage) ratio | 11.4900% | 1,886 |
| Tier 1 risk-based capital ratio | 16.6772% | 2,801 |
| Total risk-based capital ratio | 17.9411% | 2,772 |
| Memoranda: | ||
| Average total assets | $118,550,200 | 4,391 |
| Average earning assets | $109,567,800 | 4,352 |
| Average equity | $14,916,600 | 3,980 |
| Average total loans | $66,418,600 | 4,483 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6668% | 2,939 |
| Cost of funding earning assets | 0.7145% | 3,646 |
| Net interest margin | 3.9523% | 2,697 |
| Noninterest income to average assets | 0.4679% | 4,154 |
| Noninterest expense to average assets | 2.5563% | 4,894 |
| Loan and lease loss provision to assets | 0.1032% | 4,287 |
| Net operating income to assets | 1.2335% | 1,622 |
| Return on assets (ROA) | 1.2478% | 1,747 |
| Pretax return on assets | 1.4989% | 1,879 |
| Return on Equity (ROE) | 9.7112% | 2,495 |
| Retained earnings to average equity (ytd only) | 5.9623% | 2,716 |
| Net charge-offs to loans | -0.0203% | 6,502 |
| Credit loss provision to net charge-offs | -900.0000% | 6,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7281% | 5,198 |
| Assets per employee ($millions) | 3.3909% | 5,229 |
| Cash dividends to net income (ytd only)* | 38.6032% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0934% | 658 |
| Loan loss allowance to noncurrent loans | 557.6602% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 5,793 |
| Noncurrent loans to loans | 0.5547% | 5,335 |
| Net loans and leases to total assets | 52.8437% | 4,937 |
| Net loans and leases to deposits | 69.2260% | 3,998 |
| Net loans and leases to core deposits | 72.3134% | 4,209 |
| Total domestic deposits to total assets | 76.3351% | 6,335 |
| Equity capital to assets | 12.8756% | 1,657 |
| Core capital (leverage) ratio | 12.1146% | 1,585 |
| Tier 1 risk-based capital ratio | 18.4071% | 2,198 |
| Total risk-based capital ratio | 19.6731% | 2,160 |
| Memoranda: | ||
| Average total assets | $116,259,000 | 4,479 |
| Average earning assets | $108,051,250 | 4,435 |
| Average equity | $14,937,750 | 4,020 |
| Average total loans | $65,676,500 | 4,564 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 2,950 |
| Cost of funding earning assets | 0.7374% | 3,704 |
| Net interest margin | 3.9539% | 2,706 |
| Noninterest income to average assets | 0.4504% | 4,281 |
| Noninterest expense to average assets | 2.5517% | 4,955 |
| Loan and lease loss provision to assets | 0.1039% | 4,227 |
| Net operating income to assets | 1.2237% | 1,628 |
| Return on assets (ROA) | 1.2455% | 1,750 |
| Pretax return on assets | 1.4898% | 1,877 |
| Return on Equity (ROE) | 9.7009% | 2,485 |
| Retained earnings to average equity (ytd only) | 4.0342% | 3,923 |
| Net charge-offs to loans | -0.0606% | 6,719 |
| Credit loss provision to net charge-offs | -300.0000% | 6,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9428% | 5,259 |
| Assets per employee ($millions) | 3.4381% | 5,119 |
| Cash dividends to net income (ytd only)* | 58.4145% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9565% | 816 |
| Loan loss allowance to noncurrent loans | 451.4806% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 5,691 |
| Noncurrent loans to loans | 0.6549% | 5,197 |
| Net loans and leases to total assets | 55.6538% | 4,524 |
| Net loans and leases to deposits | 74.5739% | 3,195 |
| Net loans and leases to core deposits | 78.3166% | 3,465 |
| Total domestic deposits to total assets | 74.6292% | 6,620 |
| Equity capital to assets | 12.7671% | 1,644 |
| Core capital (leverage) ratio | 12.0019% | 1,598 |
| Tier 1 risk-based capital ratio | 17.4288% | 2,498 |
| Total risk-based capital ratio | 18.6944% | 2,459 |
| Memoranda: | ||
| Average total assets | $115,451,330 | 4,520 |
| Average earning assets | $107,136,000 | 4,485 |
| Average equity | $14,823,330 | 4,025 |
| Average total loans | $65,996,000 | 4,563 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6862% | 3,104 |
| Cost of funding earning assets | 0.7710% | 3,691 |
| Net interest margin | 3.9152% | 2,857 |
| Noninterest income to average assets | 0.4253% | 4,480 |
| Noninterest expense to average assets | 2.6323% | 4,694 |
| Loan and lease loss provision to assets | 0.1046% | 4,034 |
| Net operating income to assets | 1.1191% | 1,993 |
| Return on assets (ROA) | 1.1191% | 2,177 |
| Pretax return on assets | 1.3179% | 2,481 |
| Return on Equity (ROE) | 8.6915% | 2,953 |
| Retained earnings to average equity (ytd only) | 8.6915% | 1,699 |
| Net charge-offs to loans | -0.0428% | 6,475 |
| Credit loss provision to net charge-offs | -428.5714% | 5,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9183% | 4,759 |
| Assets per employee ($millions) | 3.5019% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9894% | 840 |
| Loan loss allowance to noncurrent loans | 365.1601% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 5,564 |
| Noncurrent loans to loans | 0.8187% | 5,041 |
| Net loans and leases to total assets | 54.4486% | 4,646 |
| Net loans and leases to deposits | 71.7390% | 3,465 |
| Net loans and leases to core deposits | 74.8593% | 3,771 |
| Total domestic deposits to total assets | 75.8982% | 6,552 |
| Equity capital to assets | 12.8604% | 1,505 |
| Core capital (leverage) ratio | 12.1069% | 1,527 |
| Tier 1 risk-based capital ratio | 18.5916% | 2,116 |
| Total risk-based capital ratio | 19.8581% | 2,076 |
| Memoranda: | ||
| Average total assets | $114,730,000 | 4,572 |
| Average earning assets | $106,354,500 | 4,537 |
| Average equity | $14,773,000 | 4,039 |
| Average total loans | $65,475,000 | 4,602 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8449% | 3,604 |
| Cost of funding earning assets | 0.8250% | 4,672 |
| Net interest margin | 4.0199% | 2,791 |
| Noninterest income to average assets | 0.4103% | 4,533 |
| Noninterest expense to average assets | 2.6019% | 5,089 |
| Loan and lease loss provision to assets | 0.1817% | 4,374 |
| Net operating income to assets | 1.1621% | 1,633 |
| Return on assets (ROA) | 1.2327% | 1,525 |
| Pretax return on assets | 1.4773% | 1,541 |
| Return on Equity (ROE) | 10.0541% | 2,041 |
| Retained earnings to average equity (ytd only) | 7.3653% | 1,334 |
| Net charge-offs to loans | -0.0537% | 7,063 |
| Credit loss provision to net charge-offs | -602.9412% | 6,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3090% | 5,411 |
| Assets per employee ($millions) | 3.7965% | 4,321 |
| Cash dividends to net income (ytd only)* | 26.7434% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8780% | 906 |
| Loan loss allowance to noncurrent loans | 350.2762% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 5,625 |
| Noncurrent loans to loans | 0.8216% | 5,045 |
| Net loans and leases to total assets | 56.3549% | 4,642 |
| Net loans and leases to deposits | 76.1111% | 3,162 |
| Net loans and leases to core deposits | 79.5770% | 3,501 |
| Total domestic deposits to total assets | 74.0430% | 6,711 |
| Equity capital to assets | 12.8925% | 1,550 |
| Core capital (leverage) ratio | 11.9775% | 1,609 |
| Tier 1 risk-based capital ratio | 18.0579% | 2,174 |
| Total risk-based capital ratio | 19.3238% | 2,147 |
| Memoranda: | ||
| Average total assets | $112,842,200 | 4,575 |
| Average earning assets | $105,698,600 | 4,508 |
| Average equity | $13,835,200 | 4,146 |
| Average total loans | $63,294,400 | 4,736 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 3,710 |
| Cost of funding earning assets | 0.8355% | 4,899 |
| Net interest margin | 4.0288% | 2,786 |
| Noninterest income to average assets | 0.4062% | 4,619 |
| Noninterest expense to average assets | 2.6008% | 5,076 |
| Loan and lease loss provision to assets | 0.2073% | 3,944 |
| Net operating income to assets | 1.1397% | 1,838 |
| Return on assets (ROA) | 1.2329% | 1,667 |
| Pretax return on assets | 1.4982% | 1,659 |
| Return on Equity (ROE) | 10.1884% | 2,136 |
| Retained earnings to average equity (ytd only) | 6.5476% | 2,218 |
| Net charge-offs to loans | -0.0213% | 6,924 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0339% | 5,404 |
| Assets per employee ($millions) | 3.5056% | 4,983 |
| Cash dividends to net income (ytd only)* | 35.7349% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8596% | 971 |
| Loan loss allowance to noncurrent loans | 414.3498% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 5,985 |
| Noncurrent loans to loans | 0.6901% | 5,507 |
| Net loans and leases to total assets | 55.9606% | 4,849 |
| Net loans and leases to deposits | 72.3543% | 3,929 |
| Net loans and leases to core deposits | 74.9860% | 4,322 |
| Total domestic deposits to total assets | 77.3425% | 6,322 |
| Equity capital to assets | 12.7537% | 1,754 |
| Core capital (leverage) ratio | 11.7308% | 1,870 |
| Tier 1 risk-based capital ratio | 17.9449% | 2,277 |
| Total risk-based capital ratio | 19.2102% | 2,233 |
| Memoranda: | ||
| Average total assets | $112,578,750 | 4,609 |
| Average earning assets | $105,802,750 | 4,530 |
| Average equity | $13,623,000 | 4,210 |
| Average total loans | $62,596,000 | 4,805 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7995% | 4,098 |
| Cost of funding earning assets | 0.8235% | 5,224 |
| Net interest margin | 3.9760% | 2,964 |
| Noninterest income to average assets | 0.4117% | 4,577 |
| Noninterest expense to average assets | 2.6102% | 5,149 |
| Loan and lease loss provision to assets | 0.2573% | 3,340 |
| Net operating income to assets | 1.0635% | 1,986 |
| Return on assets (ROA) | 1.2048% | 1,643 |
| Pretax return on assets | 1.4586% | 1,645 |
| Return on Equity (ROE) | 10.1381% | 2,071 |
| Retained earnings to average equity (ytd only) | 4.5838% | 3,270 |
| Net charge-offs to loans | -0.0323% | 6,940 |
| Credit loss provision to net charge-offs | -1,450.0000% | 6,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8096% | 5,436 |
| Assets per employee ($millions) | 3.7135% | 4,403 |
| Cash dividends to net income (ytd only)* | 54.7865% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7346% | 1,143 |
| Loan loss allowance to noncurrent loans | 428.7736% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 6,122 |
| Noncurrent loans to loans | 0.6378% | 5,651 |
| Net loans and leases to total assets | 56.1706% | 4,968 |
| Net loans and leases to deposits | 71.8789% | 4,131 |
| Net loans and leases to core deposits | 74.3886% | 4,529 |
| Total domestic deposits to total assets | 78.1461% | 6,259 |
| Equity capital to assets | 11.8894% | 2,175 |
| Core capital (leverage) ratio | 11.3378% | 2,021 |
| Tier 1 risk-based capital ratio | 17.3936% | 2,379 |
| Total risk-based capital ratio | 18.6586% | 2,341 |
| Memoranda: | ||
| Average total assets | $112,712,000 | 4,635 |
| Average earning assets | $106,136,000 | 4,560 |
| Average equity | $13,395,000 | 4,256 |
| Average total loans | $61,920,000 | 4,872 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7234% | 4,403 |
| Cost of funding earning assets | 0.8139% | 5,503 |
| Net interest margin | 3.9095% | 3,097 |
| Noninterest income to average assets | 0.4556% | 4,230 |
| Noninterest expense to average assets | 2.6832% | 4,901 |
| Loan and lease loss provision to assets | 0.1076% | 4,664 |
| Net operating income to assets | 1.1377% | 1,709 |
| Return on assets (ROA) | 1.1407% | 1,744 |
| Pretax return on assets | 1.3560% | 1,863 |
| Return on Equity (ROE) | 9.6007% | 2,248 |
| Retained earnings to average equity (ytd only) | 9.6007% | 1,210 |
| Net charge-offs to loans | -0.0402% | 6,819 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7619% | 5,222 |
| Assets per employee ($millions) | 3.6084% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8151% | 1,094 |
| Loan loss allowance to noncurrent loans | 411.3801% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 6,118 |
| Noncurrent loans to loans | 0.6843% | 5,655 |
| Net loans and leases to total assets | 52.4365% | 5,521 |
| Net loans and leases to deposits | 67.2225% | 4,799 |
| Net loans and leases to core deposits | 69.9715% | 5,046 |
| Total domestic deposits to total assets | 78.0045% | 6,382 |
| Equity capital to assets | 12.0777% | 1,873 |
| Core capital (leverage) ratio | 11.5694% | 1,807 |
| Tier 1 risk-based capital ratio | 18.2112% | 2,048 |
| Total risk-based capital ratio | 19.4752% | 2,003 |
| Memoranda: | ||
| Average total assets | $111,508,500 | 4,700 |
| Average earning assets | $105,178,500 | 4,611 |
| Average equity | $13,249,000 | 4,281 |
| Average total loans | $59,639,500 | 5,017 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 5,092 |
| Cost of funding earning assets | 0.9642% | 5,871 |
| Net interest margin | 3.9235% | 3,383 |
| Noninterest income to average assets | 0.4868% | 4,271 |
| Noninterest expense to average assets | 2.8696% | 4,349 |
| Loan and lease loss provision to assets | 0.0970% | 6,175 |
| Net operating income to assets | 1.0687% | 1,808 |
| Return on assets (ROA) | 1.0881% | 1,818 |
| Pretax return on assets | 1.2520% | 2,074 |
| Return on Equity (ROE) | 8.8095% | 2,373 |
| Retained earnings to average equity (ytd only) | 6.1714% | 1,733 |
| Net charge-offs to loans | 0.0347% | 6,455 |
| Credit loss provision to net charge-offs | 526.3158% | 433 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 332 |
| Efficiency ratio | 68.3846% | 4,483 |
| Assets per employee ($millions) | 3.7053% | 4,450 |
| Cash dividends to net income (ytd only)* | 29.9465% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8222% | 1,025 |
| Loan loss allowance to noncurrent loans | 382.2989% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 6,177 |
| Noncurrent loans to loans | 0.7382% | 5,570 |
| Net loans and leases to total assets | 51.5141% | 5,987 |
| Net loans and leases to deposits | 67.1632% | 5,222 |
| Net loans and leases to core deposits | 69.2490% | 5,518 |
| Total domestic deposits to total assets | 76.6998% | 6,531 |
| Equity capital to assets | 11.6843% | 2,140 |
| Core capital (leverage) ratio | 11.5933% | 1,789 |
| Tier 1 risk-based capital ratio | 18.2269% | 1,931 |
| Total risk-based capital ratio | 19.4907% | 1,886 |
| Memoranda: | ||
| Average total assets | $103,113,800 | 4,894 |
| Average earning assets | $97,490,000 | 4,788 |
| Average equity | $12,736,200 | 4,415 |
| Average total loans | $54,748,000 | 5,283 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 5,167 |
| Cost of funding earning assets | 0.9878% | 5,992 |
| Net interest margin | 3.9330% | 3,389 |
| Noninterest income to average assets | 0.4128% | 4,854 |
| Noninterest expense to average assets | 2.7074% | 4,851 |
| Loan and lease loss provision to assets | 0.0923% | 6,111 |
| Net operating income to assets | 1.1245% | 1,808 |
| Return on assets (ROA) | 1.1500% | 1,837 |
| Pretax return on assets | 1.3768% | 1,946 |
| Return on Equity (ROE) | 9.1740% | 2,430 |
| Retained earnings to average equity (ytd only) | 5.6390% | 2,573 |
| Net charge-offs to loans | -0.0323% | 7,416 |
| Credit loss provision to net charge-offs | -538.4615% | 7,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2990% | 5,001 |
| Assets per employee ($millions) | 3.3991% | 5,210 |
| Cash dividends to net income (ytd only)* | 38.5321% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1058% | 759 |
| Loan loss allowance to noncurrent loans | 355.7692% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 6,154 |
| Noncurrent loans to loans | 0.8730% | 5,475 |
| Net loans and leases to total assets | 49.2963% | 6,395 |
| Net loans and leases to deposits | 60.7210% | 6,249 |
| Net loans and leases to core deposits | 64.1883% | 6,287 |
| Total domestic deposits to total assets | 81.1849% | 5,308 |
| Equity capital to assets | 12.5402% | 1,834 |
| Core capital (leverage) ratio | 11.6592% | 1,839 |
| Tier 1 risk-based capital ratio | 19.6739% | 1,609 |
| Total risk-based capital ratio | 20.9414% | 1,574 |
| Memoranda: | ||
| Average total assets | $101,102,750 | 5,008 |
| Average earning assets | $95,972,000 | 4,893 |
| Average equity | $12,673,250 | 4,506 |
| Average total loans | $53,703,750 | 5,406 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 5,241 |
| Cost of funding earning assets | 0.9934% | 6,175 |
| Net interest margin | 3.9438% | 3,265 |
| Noninterest income to average assets | 0.3933% | 4,960 |
| Noninterest expense to average assets | 2.7247% | 4,814 |
| Loan and lease loss provision to assets | 0.0803% | 6,132 |
| Net operating income to assets | 1.1069% | 1,830 |
| Return on assets (ROA) | 1.1457% | 1,774 |
| Pretax return on assets | 1.3704% | 1,900 |
| Return on Equity (ROE) | 9.1411% | 2,407 |
| Retained earnings to average equity (ytd only) | 3.7621% | 3,699 |
| Net charge-offs to loans | -0.0298% | 7,345 |
| Credit loss provision to net charge-offs | -500.0000% | 6,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9864% | 4,981 |
| Assets per employee ($millions) | 3.3264% | 5,369 |
| Cash dividends to net income (ytd only)* | 58.8441% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8320% | 972 |
| Loan loss allowance to noncurrent loans | 324.0557% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 6,086 |
| Noncurrent loans to loans | 0.8739% | 5,520 |
| Net loans and leases to total assets | 54.2354% | 5,961 |
| Net loans and leases to deposits | 67.3049% | 5,646 |
| Net loans and leases to core deposits | 71.4877% | 5,723 |
| Total domestic deposits to total assets | 80.5817% | 5,540 |
| Equity capital to assets | 12.1685% | 2,000 |
| Core capital (leverage) ratio | 12.1044% | 1,586 |
| Tier 1 risk-based capital ratio | 16.4508% | 2,492 |
| Total risk-based capital ratio | 17.7132% | 2,436 |
| Memoranda: | ||
| Average total assets | $99,679,330 | 5,086 |
| Average earning assets | $94,426,670 | 4,975 |
| Average equity | $12,493,000 | 4,552 |
| Average total loans | $53,735,000 | 5,439 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 5,813 |
| Cost of funding earning assets | 1.0039% | 6,357 |
| Net interest margin | 3.8164% | 3,719 |
| Noninterest income to average assets | 0.3797% | 5,095 |
| Noninterest expense to average assets | 2.8216% | 4,399 |
| Loan and lease loss provision to assets | 0.0408% | 6,265 |
| Net operating income to assets | 0.9800% | 2,257 |
| Return on assets (ROA) | 0.9800% | 2,317 |
| Pretax return on assets | 1.1188% | 2,672 |
| Return on Equity (ROE) | 7.7013% | 3,025 |
| Retained earnings to average equity (ytd only) | 7.7013% | 1,842 |
| Net charge-offs to loans | -0.0309% | 7,205 |
| Credit loss provision to net charge-offs | -250.0000% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8718% | 4,142 |
| Assets per employee ($millions) | 3.2188% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1706% | 714 |
| Loan loss allowance to noncurrent loans | 444.5682% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 6,370 |
| Noncurrent loans to loans | 0.7132% | 5,906 |
| Net loans and leases to total assets | 50.4769% | 6,423 |
| Net loans and leases to deposits | 60.0167% | 6,467 |
| Net loans and leases to core deposits | 60.0167% | 6,748 |
| Total domestic deposits to total assets | 84.1047% | 4,099 |
| Equity capital to assets | 13.0423% | 1,507 |
| Core capital (leverage) ratio | 12.5286% | 1,393 |
| Tier 1 risk-based capital ratio | 20.5361% | 1,423 |
| Total risk-based capital ratio | 21.8048% | 1,388 |
| Memoranda: | ||
| Average total assets | $97,959,500 | 5,208 |
| Average earning assets | $92,443,500 | 5,092 |
| Average equity | $12,465,500 | 4,598 |
| Average total loans | $51,824,000 | 5,594 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2010% | 5,647 |
| Cost of funding earning assets | 1.1809% | 6,727 |
| Net interest margin | 4.0201% | 2,782 |
| Noninterest income to average assets | 0.4598% | 4,719 |
| Noninterest expense to average assets | 2.9731% | 4,253 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0002% | 1,841 |
| Return on assets (ROA) | 1.1144% | 1,510 |
| Pretax return on assets | 1.4099% | 1,408 |
| Return on Equity (ROE) | 8.5796% | 2,169 |
| Retained earnings to average equity (ytd only) | 6.2029% | 1,269 |
| Net charge-offs to loans | 0.0434% | 6,677 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 52.5455% | 497 |
| Efficiency ratio | 70.1446% | 4,591 |
| Assets per employee ($millions) | 3.5484% | 4,894 |
| Cash dividends to net income (ytd only)* | 27.7014% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9675% | 795 |
| Loan loss allowance to noncurrent loans | 399.4949% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 6,300 |
| Noncurrent loans to loans | 0.7428% | 5,770 |
| Net loans and leases to total assets | 52.0633% | 6,414 |
| Net loans and leases to deposits | 61.4245% | 6,521 |
| Net loans and leases to core deposits | 73.7928% | 6,547 |
| Total domestic deposits to total assets | 84.7599% | 3,680 |
| Equity capital to assets | 12.4170% | 1,788 |
| Core capital (leverage) ratio | 12.7346% | 1,337 |
| Tier 1 risk-based capital ratio | 18.8588% | 1,686 |
| Total risk-based capital ratio | 20.1241% | 1,649 |
| Memoranda: | ||
| Average total assets | $91,351,200 | 5,356 |
| Average earning assets | $85,868,800 | 5,267 |
| Average equity | $11,865,400 | 4,781 |
| Average total loans | $50,733,200 | 5,636 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3091% | 5,376 |
| Cost of funding earning assets | 1.2266% | 6,815 |
| Net interest margin | 4.0825% | 2,471 |
| Noninterest income to average assets | 0.4507% | 4,893 |
| Noninterest expense to average assets | 2.9233% | 4,352 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0582% | 1,867 |
| Return on assets (ROA) | 1.1789% | 1,570 |
| Pretax return on assets | 1.5280% | 1,334 |
| Return on Equity (ROE) | 8.9662% | 2,274 |
| Retained earnings to average equity (ytd only) | 5.7657% | 2,069 |
| Net charge-offs to loans | -0.0453% | 7,848 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0681% | 4,961 |
| Assets per employee ($millions) | 2.9813% | 6,210 |
| Cash dividends to net income (ytd only)* | 35.6960% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2144% | 554 |
| Loan loss allowance to noncurrent loans | 402.2333% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 6,364 |
| Noncurrent loans to loans | 0.7991% | 5,702 |
| Net loans and leases to total assets | 52.8122% | 6,523 |
| Net loans and leases to deposits | 63.1137% | 6,579 |
| Net loans and leases to core deposits | 74.4085% | 6,705 |
| Total domestic deposits to total assets | 83.6778% | 3,869 |
| Equity capital to assets | 13.1627% | 1,637 |
| Core capital (leverage) ratio | 13.1292% | 1,343 |
| Tier 1 risk-based capital ratio | 20.5125% | 1,452 |
| Total risk-based capital ratio | 21.7831% | 1,404 |
| Memoranda: | ||
| Average total assets | $89,350,000 | 5,444 |
| Average earning assets | $84,130,000 | 5,371 |
| Average equity | $11,747,500 | 4,854 |
| Average total loans | $50,089,000 | 5,711 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4008% | 5,148 |
| Cost of funding earning assets | 1.2712% | 6,894 |
| Net interest margin | 4.1296% | 2,223 |
| Noninterest income to average assets | 0.4506% | 4,842 |
| Noninterest expense to average assets | 3.0070% | 4,056 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0552% | 1,932 |
| Return on assets (ROA) | 1.2454% | 1,443 |
| Pretax return on assets | 1.5579% | 1,310 |
| Return on Equity (ROE) | 9.4760% | 2,197 |
| Retained earnings to average equity (ytd only) | 4.6174% | 2,726 |
| Net charge-offs to loans | -0.0440% | 7,828 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4924% | 4,881 |
| Assets per employee ($millions) | 2.7043% | 6,822 |
| Cash dividends to net income (ytd only)* | 51.2727% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2066% | 483 |
| Loan loss allowance to noncurrent loans | 270.5193% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 5,650 |
| Noncurrent loans to loans | 1.1853% | 4,848 |
| Net loans and leases to total assets | 56.3336% | 6,175 |
| Net loans and leases to deposits | 67.6510% | 6,231 |
| Net loans and leases to core deposits | 80.3514% | 6,374 |
| Total domestic deposits to total assets | 83.2709% | 4,116 |
| Equity capital to assets | 13.4218% | 1,522 |
| Core capital (leverage) ratio | 13.0197% | 1,422 |
| Tier 1 risk-based capital ratio | 20.4331% | 1,499 |
| Total risk-based capital ratio | 21.7038% | 1,458 |
| Memoranda: | ||
| Average total assets | $88,326,670 | 5,522 |
| Average earning assets | $82,914,330 | 5,443 |
| Average equity | $11,608,330 | 4,918 |
| Average total loans | $49,975,330 | 5,767 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3400% | 5,705 |
| Cost of funding earning assets | 1.2714% | 7,111 |
| Net interest margin | 4.0686% | 2,410 |
| Noninterest income to average assets | 0.4618% | 4,667 |
| Noninterest expense to average assets | 2.9993% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0168% | 2,238 |
| Return on assets (ROA) | 1.1567% | 1,905 |
| Pretax return on assets | 1.4391% | 1,849 |
| Return on Equity (ROE) | 8.8927% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.8927% | 1,515 |
| Net charge-offs to loans | -0.0402% | 7,638 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3470% | 4,507 |
| Assets per employee ($millions) | 2.6566% | 6,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2830% | 381 |
| Loan loss allowance to noncurrent loans | 316.1100% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 5,654 |
| Noncurrent loans to loans | 1.0386% | 4,914 |
| Net loans and leases to total assets | 54.0694% | 6,458 |
| Net loans and leases to deposits | 64.9551% | 6,467 |
| Net loans and leases to core deposits | 77.3351% | 6,589 |
| Total domestic deposits to total assets | 83.2411% | 4,023 |
| Equity capital to assets | 13.3961% | 1,575 |
| Core capital (leverage) ratio | 12.9530% | 1,495 |
| Tier 1 risk-based capital ratio | 20.8823% | 1,468 |
| Total risk-based capital ratio | 22.1527% | 1,437 |
| Memoranda: | ||
| Average total assets | $89,221,000 | 5,514 |
| Average earning assets | $83,370,500 | 5,447 |
| Average equity | $11,605,000 | 4,955 |
| Average total loans | $49,780,500 | 5,802 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9147% | 5,963 |
| Cost of funding earning assets | 1.7607% | 7,110 |
| Net interest margin | 4.1540% | 2,484 |
| Noninterest income to average assets | 0.5075% | 4,560 |
| Noninterest expense to average assets | 3.0239% | 3,992 |
| Loan and lease loss provision to assets | 0.1183% | 5,854 |
| Net operating income to assets | 0.9386% | 2,836 |
| Return on assets (ROA) | 0.9760% | 2,538 |
| Pretax return on assets | 1.2422% | 2,506 |
| Return on Equity (ROE) | 7.6003% | 3,242 |
| Retained earnings to average equity (ytd only) | 4.8366% | 2,123 |
| Net charge-offs to loans | 0.0869% | 5,502 |
| Credit loss provision to net charge-offs | 232.5581% | 2,050 |
| Earnings coverage of net charge-offs (x) | 25.8140% | 1,316 |
| Efficiency ratio | 69.7218% | 4,398 |
| Assets per employee ($millions) | 2.7508% | 6,673 |
| Cash dividends to net income (ytd only)* | 36.3636% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1730% | 375 |
| Loan loss allowance to noncurrent loans | 389.3204% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 5,541 |
| Noncurrent loans to loans | 0.8150% | 5,008 |
| Net loans and leases to total assets | 53.9212% | 6,663 |
| Net loans and leases to deposits | 64.1188% | 6,783 |
| Net loans and leases to core deposits | 74.7762% | 6,922 |
| Total domestic deposits to total assets | 84.0958% | 3,279 |
| Equity capital to assets | 12.6312% | 1,952 |
| Core capital (leverage) ratio | 12.9812% | 1,545 |
| Tier 1 risk-based capital ratio | 19.5436% | 1,697 |
| Total risk-based capital ratio | 20.8133% | 1,648 |
| Memoranda: | ||
| Average total assets | $84,527,600 | 5,535 |
| Average earning assets | $77,924,200 | 5,506 |
| Average equity | $10,854,800 | 5,168 |
| Average total loans | $49,488,000 | 5,724 |