Home > First Bethany Bank & Trust > Performance and Condition Ratios
First Bethany Bank & Trust, 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 | 4.1266% | 3,758 |
| Cost of funding earning assets | 1.5475% | 1,818 |
| Net interest margin | 2.5791% | 3,993 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 1.9565% | 3,720 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8223% | 2,799 |
| Return on assets (ROA) | 0.8032% | 2,841 |
| Pretax return on assets | 0.8032% | 3,206 |
| Return on Equity (ROE) | 23.8900% | 357 |
| Retained earnings to average equity (ytd only) | 8.5040% | 1,394 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.2501% | 1,984 |
| Assets per employee ($millions) | 6.9942% | 2,080 |
| Cash dividends to net income (ytd only)* | 64.4023% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 3,573 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 56.8400% | 3,136 |
| Net loans and leases to deposits | 68.6440% | 2,980 |
| Net loans and leases to core deposits | 78.9121% | 2,768 |
| Total domestic deposits to total assets | 82.8000% | 2,940 |
| Equity capital to assets | 4.2239% | 4,487 |
| Core capital (leverage) ratio | 9.4996% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $282,241,600 | 2,512 |
| Average earning assets | $264,552,400 | 2,497 |
| Average equity | $9,489,600 | 3,773 |
| Average total loans | $158,314,000 | 2,612 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 3,824 |
| Cost of funding earning assets | 1.4157% | 1,820 |
| Net interest margin | 2.5973% | 4,034 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 1.9477% | 3,720 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8494% | 2,862 |
| Return on assets (ROA) | 0.8239% | 2,939 |
| Pretax return on assets | 0.8239% | 3,280 |
| Return on Equity (ROE) | 26.1600% | 345 |
| Retained earnings to average equity (ytd only) | 10.4476% | 1,279 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.3653% | 1,979 |
| Assets per employee ($millions) | 7.1427% | 1,854 |
| Cash dividends to net income (ytd only)* | 60.0686% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 3,604 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 54.8700% | 3,300 |
| Net loans and leases to deposits | 65.7214% | 3,150 |
| Net loans and leases to core deposits | 74.9919% | 2,929 |
| Total domestic deposits to total assets | 83.4900% | 2,909 |
| Equity capital to assets | 2.5859% | 4,515 |
| Core capital (leverage) ratio | 9.2994% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $282,860,250 | 2,506 |
| Average earning assets | $265,399,250 | 2,488 |
| Average equity | $8,907,750 | 3,836 |
| Average total loans | $157,764,250 | 2,624 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 3,890 |
| Cost of funding earning assets | 1.2267% | 1,913 |
| Net interest margin | 2.6635% | 4,020 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 1.9460% | 3,725 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.8974% | 2,760 |
| Return on assets (ROA) | 0.8591% | 2,891 |
| Pretax return on assets | 0.8591% | 3,266 |
| Return on Equity (ROE) | 25.7300% | 351 |
| Retained earnings to average equity (ytd only) | 10.9620% | 1,191 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.8047% | 2,135 |
| Assets per employee ($millions) | 7.2007% | 1,788 |
| Cash dividends to net income (ytd only)* | 57.3906% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 3,738 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.9100% | 3,055 |
| Net loans and leases to deposits | 68.2746% | 2,908 |
| Net loans and leases to core deposits | 77.4070% | 2,664 |
| Total domestic deposits to total assets | 83.3600% | 2,971 |
| Equity capital to assets | 3.4292% | 4,550 |
| Core capital (leverage) ratio | 9.3865% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $281,911,333 | 2,517 |
| Average earning assets | $264,617,333 | 2,498 |
| Average equity | $9,414,333 | 3,806 |
| Average total loans | $157,602,000 | 2,621 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7586% | 3,928 |
| Cost of funding earning assets | 1.0415% | 1,911 |
| Net interest margin | 2.7171% | 4,048 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 1.9515% | 3,743 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.9063% | 2,834 |
| Return on assets (ROA) | 0.9063% | 2,791 |
| Pretax return on assets | 0.9063% | 3,217 |
| Return on Equity (ROE) | 27.5100% | 313 |
| Retained earnings to average equity (ytd only) | 12.0346% | 1,264 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.2500% | 2,182 |
| Assets per employee ($millions) | 7.1280% | 1,874 |
| Cash dividends to net income (ytd only)* | 56.2500% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 3,827 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.8100% | 3,133 |
| Net loans and leases to deposits | 66.3495% | 2,903 |
| Net loans and leases to core deposits | 73.1003% | 2,745 |
| Total domestic deposits to total assets | 82.6100% | 3,381 |
| Equity capital to assets | 3.4115% | 4,578 |
| Core capital (leverage) ratio | 9.2670% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $282,453,500 | 2,545 |
| Average earning assets | $264,993,000 | 2,535 |
| Average equity | $9,306,500 | 3,859 |
| Average total loans | $155,756,500 | 2,657 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1856% | 3,837 |
| Cost of funding earning assets | 0.3838% | 2,231 |
| Net interest margin | 2.8018% | 3,888 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.9645% | 3,675 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.0415% | 2,411 |
| Return on assets (ROA) | 1.0415% | 2,353 |
| Pretax return on assets | 1.0415% | 2,938 |
| Return on Equity (ROE) | 21.5500% | 362 |
| Retained earnings to average equity (ytd only) | 10.8263% | 925 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.9053% | 2,373 |
| Assets per employee ($millions) | 7.1740% | 1,848 |
| Cash dividends to net income (ytd only)* | 49.7606% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 3,456 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 54.4300% | 3,157 |
| Net loans and leases to deposits | 65.2189% | 2,939 |
| Net loans and leases to core deposits | 71.5613% | 2,756 |
| Total domestic deposits to total assets | 83.4500% | 3,319 |
| Equity capital to assets | 3.1760% | 4,597 |
| Core capital (leverage) ratio | 9.1843% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $280,736,600 | 2,550 |
| Average earning assets | $261,833,800 | 2,538 |
| Average equity | $13,568,800 | 3,519 |
| Average total loans | $137,989,600 | 2,751 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0267% | 3,842 |
| Cost of funding earning assets | 0.2700% | 2,488 |
| Net interest margin | 2.7567% | 3,824 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 1.9612% | 3,587 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0013% | 2,479 |
| Return on assets (ROA) | 1.0013% | 2,445 |
| Pretax return on assets | 1.0013% | 3,009 |
| Return on Equity (ROE) | 19.0900% | 520 |
| Retained earnings to average equity (ytd only) | 9.6337% | 1,448 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.7807% | 2,309 |
| Assets per employee ($millions) | 7.1054% | 1,873 |
| Cash dividends to net income (ytd only)* | 49.5261% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,330 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 50.4200% | 3,427 |
| Net loans and leases to deposits | 60.4934% | 3,150 |
| Net loans and leases to core deposits | 64.1211% | 3,104 |
| Total domestic deposits to total assets | 83.3500% | 3,636 |
| Equity capital to assets | 2.4868% | 4,629 |
| Core capital (leverage) ratio | 9.1482% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $280,974,000 | 2,565 |
| Average earning assets | $261,753,000 | 2,560 |
| Average equity | $14,739,500 | 3,430 |
| Average total loans | $134,037,750 | 2,791 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8947% | 3,800 |
| Cost of funding earning assets | 0.2306% | 2,497 |
| Net interest margin | 2.6641% | 3,790 |
| Noninterest income to average assets | 0.4337% | 2,549 |
| Noninterest expense to average assets | 1.9272% | 3,640 |
| Loan and lease loss provision to assets | 0.0107% | 2,393 |
| Net operating income to assets | 0.9889% | 2,198 |
| Return on assets (ROA) | 0.9889% | 2,168 |
| Pretax return on assets | 0.9889% | 2,774 |
| Return on Equity (ROE) | 16.0031% | 701 |
| Retained earnings to average equity (ytd only) | 7.9090% | 1,652 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8447% | 2,533 |
| Assets per employee ($millions) | 7.1286% | 1,857 |
| Cash dividends to net income (ytd only)* | 50.5780% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 3,348 |
| Loan loss allowance to noncurrent loans | 1,291.2281% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 3,576 |
| Noncurrent loans to loans | 0.0817% | 3,373 |
| Net loans and leases to total assets | 49.6592% | 3,404 |
| Net loans and leases to deposits | 59.0075% | 3,133 |
| Net loans and leases to core deposits | 62.1356% | 3,104 |
| Total domestic deposits to total assets | 84.1574% | 3,660 |
| Equity capital to assets | 3.2753% | 4,678 |
| Core capital (leverage) ratio | 9.0247% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,893,000 | 2,586 |
| Average earning assets | $261,926,000 | 2,589 |
| Average equity | $17,296,667 | 3,295 |
| Average total loans | $130,447,333 | 2,833 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8197% | 3,712 |
| Cost of funding earning assets | 0.2280% | 2,429 |
| Net interest margin | 2.5917% | 3,681 |
| Noninterest income to average assets | 0.3490% | 3,003 |
| Noninterest expense to average assets | 1.9271% | 3,619 |
| Loan and lease loss provision to assets | 0.0071% | 2,184 |
| Net operating income to assets | 0.8432% | 2,507 |
| Return on assets (ROA) | 0.8432% | 2,502 |
| Pretax return on assets | 0.8432% | 2,966 |
| Return on Equity (ROE) | 11.0696% | 1,597 |
| Retained earnings to average equity (ytd only) | 11.0696% | 774 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3846% | 2,318 |
| Assets per employee ($millions) | 7.3234% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,278 |
| Loan loss allowance to noncurrent loans | 1,392.3810% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 3,670 |
| Noncurrent loans to loans | 0.0798% | 3,442 |
| Net loans and leases to total assets | 45.5406% | 3,620 |
| Net loans and leases to deposits | 56.8229% | 3,186 |
| Net loans and leases to core deposits | 59.5076% | 3,186 |
| Total domestic deposits to total assets | 80.1448% | 4,278 |
| Equity capital to assets | 6.2634% | 4,509 |
| Core capital (leverage) ratio | 8.9652% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,831,000 | 2,596 |
| Average earning assets | $263,147,000 | 2,595 |
| Average equity | $21,392,000 | 3,026 |
| Average total loans | $125,904,500 | 2,892 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8243% | 4,173 |
| Cost of funding earning assets | 0.2437% | 3,012 |
| Net interest margin | 2.5806% | 4,075 |
| Noninterest income to average assets | 0.6817% | 1,827 |
| Noninterest expense to average assets | 2.0995% | 3,392 |
| Loan and lease loss provision to assets | 0.0023% | 3,031 |
| Net operating income to assets | 0.9983% | 2,672 |
| Return on assets (ROA) | 1.1478% | 2,173 |
| Pretax return on assets | 1.1478% | 2,826 |
| Return on Equity (ROE) | 11.8109% | 1,874 |
| Retained earnings to average equity (ytd only) | 2.4774% | 3,835 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7247% | 2,025 |
| Assets per employee ($millions) | 6.9012% | 1,990 |
| Cash dividends to net income (ytd only)* | 79.0249% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,833 |
| Loan loss allowance to noncurrent loans | 539.2593% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 3,253 |
| Noncurrent loans to loans | 0.2245% | 2,837 |
| Net loans and leases to total assets | 43.0434% | 3,909 |
| Net loans and leases to deposits | 55.6356% | 3,451 |
| Net loans and leases to core deposits | 58.1242% | 3,465 |
| Total domestic deposits to total assets | 77.3667% | 4,446 |
| Equity capital to assets | 9.0183% | 3,601 |
| Core capital (leverage) ratio | 8.8131% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,252,800 | 2,628 |
| Average earning assets | $249,517,000 | 2,620 |
| Average equity | $25,874,400 | 2,792 |
| Average total loans | $119,921,200 | 2,953 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8567% | 4,229 |
| Cost of funding earning assets | 0.2475% | 3,149 |
| Net interest margin | 2.6092% | 4,114 |
| Noninterest income to average assets | 0.7895% | 1,559 |
| Noninterest expense to average assets | 2.1566% | 3,203 |
| Loan and lease loss provision to assets | 0.0019% | 2,934 |
| Net operating income to assets | 1.0765% | 2,634 |
| Return on assets (ROA) | 1.3333% | 1,785 |
| Pretax return on assets | 1.3333% | 2,534 |
| Return on Equity (ROE) | 13.4661% | 1,551 |
| Retained earnings to average equity (ytd only) | 4.5329% | 3,395 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6615% | 2,012 |
| Assets per employee ($millions) | 7.0360% | 1,841 |
| Cash dividends to net income (ytd only)* | 66.3381% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 2,787 |
| Loan loss allowance to noncurrent loans | 521.5054% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 3,426 |
| Noncurrent loans to loans | 0.2381% | 2,981 |
| Net loans and leases to total assets | 42.1790% | 4,081 |
| Net loans and leases to deposits | 55.4456% | 3,626 |
| Net loans and leases to core deposits | 58.0650% | 3,627 |
| Total domestic deposits to total assets | 76.0729% | 4,535 |
| Equity capital to assets | 9.5899% | 3,297 |
| Core capital (leverage) ratio | 9.2686% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,803,750 | 2,668 |
| Average earning assets | $247,270,000 | 2,654 |
| Average equity | $26,119,250 | 2,808 |
| Average total loans | $119,832,250 | 2,993 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9012% | 4,224 |
| Cost of funding earning assets | 0.2575% | 3,215 |
| Net interest margin | 2.6438% | 4,094 |
| Noninterest income to average assets | 0.9813% | 1,107 |
| Noninterest expense to average assets | 2.2484% | 2,923 |
| Loan and lease loss provision to assets | 0.0023% | 2,829 |
| Net operating income to assets | 1.2080% | 2,167 |
| Return on assets (ROA) | 1.5807% | 1,150 |
| Pretax return on assets | 1.5807% | 1,791 |
| Return on Equity (ROE) | 15.7903% | 996 |
| Retained earnings to average equity (ytd only) | 5.0434% | 3,166 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0078% | 2,299 |
| Assets per employee ($millions) | 6.9921% | 1,815 |
| Cash dividends to net income (ytd only)* | 68.0603% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 2,880 |
| Loan loss allowance to noncurrent loans | 517.0819% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 3,518 |
| Noncurrent loans to loans | 0.2337% | 3,112 |
| Net loans and leases to total assets | 44.7141% | 3,994 |
| Net loans and leases to deposits | 57.8293% | 3,560 |
| Net loans and leases to core deposits | 60.7652% | 3,565 |
| Total domestic deposits to total assets | 77.3210% | 4,491 |
| Equity capital to assets | 9.8627% | 2,986 |
| Core capital (leverage) ratio | 9.2280% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,270,333 | 2,685 |
| Average earning assets | $243,895,333 | 2,667 |
| Average equity | $26,054,000 | 2,806 |
| Average total loans | $120,711,000 | 2,999 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9795% | 4,131 |
| Cost of funding earning assets | 0.2787% | 3,199 |
| Net interest margin | 2.7008% | 3,965 |
| Noninterest income to average assets | 1.0452% | 1,065 |
| Noninterest expense to average assets | 2.2550% | 2,927 |
| Loan and lease loss provision to assets | 0.0016% | 2,728 |
| Net operating income to assets | 1.3170% | 1,772 |
| Return on assets (ROA) | 2.3187% | 377 |
| Pretax return on assets | 2.3187% | 573 |
| Return on Equity (ROE) | 22.9882% | 338 |
| Retained earnings to average equity (ytd only) | 12.7798% | 964 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1030% | 2,595 |
| Assets per employee ($millions) | 7.0912% | 1,733 |
| Cash dividends to net income (ytd only)* | 44.4072% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,932 |
| Loan loss allowance to noncurrent loans | 500.6897% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 3,620 |
| Noncurrent loans to loans | 0.2397% | 3,243 |
| Net loans and leases to total assets | 45.5584% | 3,994 |
| Net loans and leases to deposits | 59.0616% | 3,556 |
| Net loans and leases to core deposits | 62.3181% | 3,558 |
| Total domestic deposits to total assets | 77.1371% | 4,507 |
| Equity capital to assets | 9.6008% | 3,104 |
| Core capital (leverage) ratio | 9.6548% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,556,000 | 2,686 |
| Average earning assets | $241,114,000 | 2,672 |
| Average equity | $25,978,500 | 2,797 |
| Average total loans | $120,937,500 | 3,007 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4394% | 4,138 |
| Cost of funding earning assets | 0.5236% | 2,791 |
| Net interest margin | 2.9159% | 4,081 |
| Noninterest income to average assets | 0.6421% | 2,058 |
| Noninterest expense to average assets | 2.1443% | 3,840 |
| Loan and lease loss provision to assets | 0.0249% | 4,084 |
| Net operating income to assets | 1.2032% | 1,544 |
| Return on assets (ROA) | 1.5496% | 775 |
| Pretax return on assets | 1.5496% | 1,194 |
| Return on Equity (ROE) | 15.3166% | 587 |
| Retained earnings to average equity (ytd only) | 8.8595% | 806 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5838% | 2,880 |
| Assets per employee ($millions) | 6.8308% | 1,691 |
| Cash dividends to net income (ytd only)* | 42.1574% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,946 |
| Loan loss allowance to noncurrent loans | 486.9128% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 3,701 |
| Noncurrent loans to loans | 0.2465% | 3,313 |
| Net loans and leases to total assets | 47.2578% | 4,029 |
| Net loans and leases to deposits | 62.2516% | 3,590 |
| Net loans and leases to core deposits | 65.9906% | 3,541 |
| Total domestic deposits to total assets | 75.9143% | 4,514 |
| Equity capital to assets | 10.5908% | 2,597 |
| Core capital (leverage) ratio | 9.3311% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,101,800 | 2,652 |
| Average earning assets | $225,765,800 | 2,630 |
| Average equity | $24,391,800 | 2,851 |
| Average total loans | $123,284,800 | 2,947 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5226% | 4,167 |
| Cost of funding earning assets | 0.5760% | 2,763 |
| Net interest margin | 2.9466% | 4,093 |
| Noninterest income to average assets | 0.7198% | 1,739 |
| Noninterest expense to average assets | 2.1254% | 3,884 |
| Loan and lease loss provision to assets | 0.0252% | 4,022 |
| Net operating income to assets | 1.3294% | 1,289 |
| Return on assets (ROA) | 1.7968% | 509 |
| Pretax return on assets | 1.7968% | 782 |
| Return on Equity (ROE) | 17.9843% | 363 |
| Retained earnings to average equity (ytd only) | 9.1602% | 943 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0745% | 3,204 |
| Assets per employee ($millions) | 6.8950% | 1,572 |
| Cash dividends to net income (ytd only)* | 49.0654% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 3,245 |
| Loan loss allowance to noncurrent loans | 469.2810% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 3,831 |
| Noncurrent loans to loans | 0.2329% | 3,470 |
| Net loans and leases to total assets | 50.9310% | 4,038 |
| Net loans and leases to deposits | 69.3592% | 3,363 |
| Net loans and leases to core deposits | 74.6611% | 3,270 |
| Total domestic deposits to total assets | 73.4307% | 4,610 |
| Equity capital to assets | 10.1511% | 3,101 |
| Core capital (leverage) ratio | 9.2774% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,192,500 | 2,644 |
| Average earning assets | $223,125,250 | 2,628 |
| Average equity | $23,798,000 | 2,881 |
| Average total loans | $123,883,500 | 2,947 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6340% | 4,206 |
| Cost of funding earning assets | 0.6511% | 2,693 |
| Net interest margin | 2.9829% | 4,164 |
| Noninterest income to average assets | 0.8755% | 1,224 |
| Noninterest expense to average assets | 2.1423% | 3,945 |
| Loan and lease loss provision to assets | 0.0258% | 3,936 |
| Net operating income to assets | 1.5007% | 927 |
| Return on assets (ROA) | 2.2180% | 240 |
| Pretax return on assets | 2.2180% | 355 |
| Return on Equity (ROE) | 22.3306% | 152 |
| Retained earnings to average equity (ytd only) | 11.8104% | 479 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3919% | 3,645 |
| Assets per employee ($millions) | 6.4232% | 1,847 |
| Cash dividends to net income (ytd only)* | 47.1113% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,042 |
| Loan loss allowance to noncurrent loans | 253.2977% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 3,435 |
| Noncurrent loans to loans | 0.4352% | 2,862 |
| Net loans and leases to total assets | 50.8970% | 4,105 |
| Net loans and leases to deposits | 69.4259% | 3,468 |
| Net loans and leases to core deposits | 74.7695% | 3,393 |
| Total domestic deposits to total assets | 73.3112% | 4,635 |
| Equity capital to assets | 10.0668% | 3,148 |
| Core capital (leverage) ratio | 9.4589% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,552,000 | 2,663 |
| Average earning assets | $217,775,333 | 2,648 |
| Average equity | $23,098,333 | 2,925 |
| Average total loans | $121,388,667 | 2,964 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 4,155 |
| Cost of funding earning assets | 0.7340% | 2,762 |
| Net interest margin | 3.1043% | 4,087 |
| Noninterest income to average assets | 0.4419% | 2,835 |
| Noninterest expense to average assets | 2.2722% | 3,831 |
| Loan and lease loss provision to assets | 0.0268% | 3,455 |
| Net operating income to assets | 1.0484% | 2,009 |
| Return on assets (ROA) | 2.5316% | 110 |
| Pretax return on assets | 2.5316% | 155 |
| Return on Equity (ROE) | 25.6823% | 57 |
| Retained earnings to average equity (ytd only) | 12.9773% | 326 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8781% | 2,691 |
| Assets per employee ($millions) | 5.8122% | 1,829 |
| Cash dividends to net income (ytd only)* | 49.4700% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,698 |
| Loan loss allowance to noncurrent loans | 263.7899% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 3,518 |
| Noncurrent loans to loans | 0.4529% | 2,893 |
| Net loans and leases to total assets | 51.2952% | 4,164 |
| Net loans and leases to deposits | 68.2748% | 3,711 |
| Net loans and leases to core deposits | 74.4373% | 3,609 |
| Total domestic deposits to total assets | 75.1306% | 4,575 |
| Equity capital to assets | 9.4951% | 4,225 |
| Core capital (leverage) ratio | 10.0978% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,575,000 | 2,686 |
| Average earning assets | $209,259,500 | 2,674 |
| Average equity | $22,038,500 | 2,994 |
| Average total loans | $117,622,500 | 2,982 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 4,349 |
| Cost of funding earning assets | 0.8432% | 2,465 |
| Net interest margin | 3.1074% | 4,349 |
| Noninterest income to average assets | 0.4804% | 2,851 |
| Noninterest expense to average assets | 2.2303% | 4,103 |
| Loan and lease loss provision to assets | 0.0729% | 2,541 |
| Net operating income to assets | 1.0787% | 2,528 |
| Return on assets (ROA) | 1.1033% | 2,529 |
| Pretax return on assets | 1.1033% | 3,152 |
| Return on Equity (ROE) | 11.5343% | 1,679 |
| Retained earnings to average equity (ytd only) | 3.7987% | 3,076 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9486% | 2,776 |
| Assets per employee ($millions) | 5.8019% | 1,792 |
| Cash dividends to net income (ytd only)* | 67.0656% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 2,523 |
| Loan loss allowance to noncurrent loans | 254.2962% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 3,447 |
| Noncurrent loans to loans | 0.4653% | 2,781 |
| Net loans and leases to total assets | 52.6928% | 4,171 |
| Net loans and leases to deposits | 69.7235% | 3,694 |
| Net loans and leases to core deposits | 77.3117% | 3,493 |
| Total domestic deposits to total assets | 75.5740% | 4,648 |
| Equity capital to assets | 10.2298% | 3,697 |
| Core capital (leverage) ratio | 9.7176% | 3,826 |
| Tier 1 risk-based capital ratio | 15.5498% | 2,563 |
| Total risk-based capital ratio | 16.5411% | 2,587 |
| Memoranda: | ||
| Average total assets | $219,613,800 | 2,663 |
| Average earning assets | $205,057,800 | 2,660 |
| Average equity | $21,007,000 | 3,039 |
| Average total loans | $115,621,800 | 2,997 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 4,485 |
| Cost of funding earning assets | 0.8397% | 2,513 |
| Net interest margin | 3.0956% | 4,486 |
| Noninterest income to average assets | 0.4777% | 2,863 |
| Noninterest expense to average assets | 2.2169% | 4,154 |
| Loan and lease loss provision to assets | 0.0790% | 2,327 |
| Net operating income to assets | 1.0696% | 2,689 |
| Return on assets (ROA) | 1.1024% | 2,649 |
| Pretax return on assets | 1.1024% | 3,290 |
| Return on Equity (ROE) | 11.7293% | 1,710 |
| Retained earnings to average equity (ytd only) | 1.2221% | 4,510 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8722% | 2,746 |
| Assets per employee ($millions) | 6.2198% | 1,450 |
| Cash dividends to net income (ytd only)* | 89.5808% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,654 |
| Loan loss allowance to noncurrent loans | 535.8268% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 4,148 |
| Noncurrent loans to loans | 0.2188% | 3,759 |
| Net loans and leases to total assets | 51.2445% | 4,356 |
| Net loans and leases to deposits | 68.9520% | 3,842 |
| Net loans and leases to core deposits | 77.7355% | 3,574 |
| Total domestic deposits to total assets | 74.3190% | 4,797 |
| Equity capital to assets | 9.8480% | 4,162 |
| Core capital (leverage) ratio | 9.5173% | 4,149 |
| Tier 1 risk-based capital ratio | 14.9844% | 2,857 |
| Total risk-based capital ratio | 15.9459% | 2,912 |
| Memoranda: | ||
| Average total assets | $219,398,750 | 2,688 |
| Average earning assets | $204,675,000 | 2,678 |
| Average equity | $20,620,250 | 3,094 |
| Average total loans | $115,136,000 | 3,041 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9173% | 4,524 |
| Cost of funding earning assets | 0.8216% | 2,539 |
| Net interest margin | 3.0957% | 4,544 |
| Noninterest income to average assets | 0.4608% | 2,907 |
| Noninterest expense to average assets | 2.1864% | 4,251 |
| Loan and lease loss provision to assets | 0.0872% | 2,104 |
| Net operating income to assets | 1.0785% | 2,612 |
| Return on assets (ROA) | 1.0794% | 2,675 |
| Pretax return on assets | 1.0794% | 3,293 |
| Return on Equity (ROE) | 11.6763% | 1,704 |
| Retained earnings to average equity (ytd only) | -0.6354% | 4,779 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2245% | 2,937 |
| Assets per employee ($millions) | 5.8127% | 1,683 |
| Cash dividends to net income (ytd only)* | 105.4422% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 2,996 |
| Loan loss allowance to noncurrent loans | 511.9691% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 4,173 |
| Noncurrent loans to loans | 0.2178% | 3,761 |
| Net loans and leases to total assets | 53.2456% | 4,274 |
| Net loans and leases to deposits | 72.1956% | 3,670 |
| Net loans and leases to core deposits | 79.6288% | 3,450 |
| Total domestic deposits to total assets | 73.7518% | 4,851 |
| Equity capital to assets | 9.7929% | 4,143 |
| Core capital (leverage) ratio | 9.4350% | 4,216 |
| Tier 1 risk-based capital ratio | 14.7312% | 2,946 |
| Total risk-based capital ratio | 15.6633% | 3,028 |
| Memoranda: | ||
| Average total assets | $217,894,000 | 2,711 |
| Average earning assets | $203,505,670 | 2,700 |
| Average equity | $20,143,330 | 3,135 |
| Average total loans | $114,813,330 | 3,058 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 4,616 |
| Cost of funding earning assets | 0.7837% | 2,629 |
| Net interest margin | 3.0774% | 4,626 |
| Noninterest income to average assets | 0.4529% | 2,840 |
| Noninterest expense to average assets | 2.2052% | 4,244 |
| Loan and lease loss provision to assets | 0.0647% | 2,370 |
| Net operating income to assets | 1.0573% | 2,635 |
| Return on assets (ROA) | 1.0592% | 2,670 |
| Pretax return on assets | 1.0592% | 3,269 |
| Return on Equity (ROE) | 11.8147% | 1,606 |
| Retained earnings to average equity (ytd only) | 0.6804% | 4,389 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2778% | 2,905 |
| Assets per employee ($millions) | 5.7724% | 1,728 |
| Cash dividends to net income (ytd only)* | 94.2408% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,139 |
| Loan loss allowance to noncurrent loans | 475.9398% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 4,197 |
| Noncurrent loans to loans | 0.2307% | 3,752 |
| Net loans and leases to total assets | 51.9831% | 4,336 |
| Net loans and leases to deposits | 69.7909% | 3,775 |
| Net loans and leases to core deposits | 78.0015% | 3,521 |
| Total domestic deposits to total assets | 74.4842% | 4,895 |
| Equity capital to assets | 9.1087% | 4,611 |
| Core capital (leverage) ratio | 9.6995% | 3,922 |
| Tier 1 risk-based capital ratio | 14.9385% | 2,904 |
| Total risk-based capital ratio | 15.8367% | 2,989 |
| Memoranda: | ||
| Average total assets | $216,399,000 | 2,753 |
| Average earning assets | $202,118,500 | 2,742 |
| Average equity | $19,399,500 | 3,210 |
| Average total loans | $112,751,500 | 3,117 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6054% | 4,792 |
| Cost of funding earning assets | 0.4470% | 3,701 |
| Net interest margin | 3.1585% | 4,559 |
| Noninterest income to average assets | 0.4961% | 2,850 |
| Noninterest expense to average assets | 2.2214% | 4,287 |
| Loan and lease loss provision to assets | 0.1079% | 2,040 |
| Net operating income to assets | 1.1081% | 2,565 |
| Return on assets (ROA) | 1.1176% | 2,526 |
| Pretax return on assets | 1.1176% | 3,210 |
| Return on Equity (ROE) | 12.9178% | 1,376 |
| Retained earnings to average equity (ytd only) | 5.2616% | 2,620 |
| Net charge-offs to loans | -0.0010% | 4,185 |
| Credit loss provision to net charge-offs | -22,700.0000% | 4,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6254% | 3,095 |
| Assets per employee ($millions) | 5.7689% | 1,701 |
| Cash dividends to net income (ytd only)* | 59.2687% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 2,998 |
| Loan loss allowance to noncurrent loans | 449.2701% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 4,179 |
| Noncurrent loans to loans | 0.2486% | 3,694 |
| Net loans and leases to total assets | 51.0574% | 4,450 |
| Net loans and leases to deposits | 70.8898% | 3,755 |
| Net loans and leases to core deposits | 74.8825% | 3,792 |
| Total domestic deposits to total assets | 72.0236% | 5,072 |
| Equity capital to assets | 8.8167% | 4,723 |
| Core capital (leverage) ratio | 9.9630% | 3,625 |
| Tier 1 risk-based capital ratio | 15.4958% | 2,621 |
| Total risk-based capital ratio | 16.4032% | 2,690 |
| Memoranda: | ||
| Average total assets | $210,455,800 | 2,762 |
| Average earning assets | $195,981,600 | 2,752 |
| Average equity | $18,207,400 | 3,273 |
| Average total loans | $99,190,200 | 3,309 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5360% | 4,896 |
| Cost of funding earning assets | 0.3783% | 4,005 |
| Net interest margin | 3.1577% | 4,601 |
| Noninterest income to average assets | 0.4800% | 2,981 |
| Noninterest expense to average assets | 2.2138% | 4,289 |
| Loan and lease loss provision to assets | 0.1062% | 1,890 |
| Net operating income to assets | 1.0999% | 2,668 |
| Return on assets (ROA) | 1.1126% | 2,622 |
| Pretax return on assets | 1.1126% | 3,345 |
| Return on Equity (ROE) | 12.9235% | 1,465 |
| Retained earnings to average equity (ytd only) | 2.6290% | 4,359 |
| Net charge-offs to loans | -0.0014% | 4,045 |
| Credit loss provision to net charge-offs | -16,700.0000% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7332% | 3,066 |
| Assets per employee ($millions) | 5.6861% | 1,745 |
| Cash dividends to net income (ytd only)* | 79.6570% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,118 |
| Loan loss allowance to noncurrent loans | 416.7260% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 4,285 |
| Noncurrent loans to loans | 0.2671% | 3,729 |
| Net loans and leases to total assets | 49.4422% | 4,636 |
| Net loans and leases to deposits | 68.4403% | 4,031 |
| Net loans and leases to core deposits | 71.4500% | 4,112 |
| Total domestic deposits to total assets | 72.2414% | 5,112 |
| Equity capital to assets | 8.2606% | 5,052 |
| Core capital (leverage) ratio | 9.5849% | 4,075 |
| Tier 1 risk-based capital ratio | 15.3290% | 2,725 |
| Total risk-based capital ratio | 16.2080% | 2,824 |
| Memoranda: | ||
| Average total assets | $209,707,750 | 2,793 |
| Average earning assets | $195,243,250 | 2,782 |
| Average equity | $18,054,500 | 3,313 |
| Average total loans | $96,434,750 | 3,398 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4777% | 4,948 |
| Cost of funding earning assets | 0.3188% | 4,275 |
| Net interest margin | 3.1589% | 4,594 |
| Noninterest income to average assets | 0.4430% | 3,201 |
| Noninterest expense to average assets | 2.2207% | 4,320 |
| Loan and lease loss provision to assets | 0.0764% | 2,372 |
| Net operating income to assets | 1.0884% | 2,620 |
| Return on assets (ROA) | 1.0884% | 2,629 |
| Pretax return on assets | 1.0884% | 3,358 |
| Return on Equity (ROE) | 12.4729% | 1,554 |
| Retained earnings to average equity (ytd only) | 1.0503% | 4,742 |
| Net charge-offs to loans | -0.0021% | 3,955 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5950% | 3,041 |
| Assets per employee ($millions) | 5.8947% | 1,553 |
| Cash dividends to net income (ytd only)* | 91.5789% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 3,299 |
| Loan loss allowance to noncurrent loans | 376.3889% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 4,317 |
| Noncurrent loans to loans | 0.2907% | 3,660 |
| Net loans and leases to total assets | 46.1707% | 4,820 |
| Net loans and leases to deposits | 62.4119% | 4,395 |
| Net loans and leases to core deposits | 64.7549% | 4,443 |
| Total domestic deposits to total assets | 73.9774% | 5,046 |
| Equity capital to assets | 8.3117% | 5,071 |
| Core capital (leverage) ratio | 9.5744% | 4,023 |
| Tier 1 risk-based capital ratio | 15.5063% | 2,635 |
| Total risk-based capital ratio | 16.3400% | 2,754 |
| Memoranda: | ||
| Average total assets | $209,482,000 | 2,812 |
| Average earning assets | $195,131,670 | 2,798 |
| Average equity | $18,279,670 | 3,302 |
| Average total loans | $93,516,330 | 3,454 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4003% | 5,022 |
| Cost of funding earning assets | 0.3074% | 4,300 |
| Net interest margin | 3.0928% | 4,715 |
| Noninterest income to average assets | 0.4728% | 2,980 |
| Noninterest expense to average assets | 2.2295% | 4,347 |
| Loan and lease loss provision to assets | 0.0596% | 2,578 |
| Net operating income to assets | 1.0648% | 2,587 |
| Return on assets (ROA) | 1.0648% | 2,599 |
| Pretax return on assets | 1.0648% | 3,300 |
| Return on Equity (ROE) | 11.9137% | 1,610 |
| Retained earnings to average equity (ytd only) | 4.6235% | 3,350 |
| Net charge-offs to loans | -0.0044% | 3,964 |
| Credit loss provision to net charge-offs | -3,100.0000% | 4,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4756% | 3,084 |
| Assets per employee ($millions) | 5.8141% | 1,667 |
| Cash dividends to net income (ytd only)* | 61.1913% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 3,230 |
| Loan loss allowance to noncurrent loans | 292.9178% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 4,245 |
| Noncurrent loans to loans | 0.3839% | 3,402 |
| Net loans and leases to total assets | 43.4324% | 4,922 |
| Net loans and leases to deposits | 58.2721% | 4,572 |
| Net loans and leases to core deposits | 60.2670% | 4,638 |
| Total domestic deposits to total assets | 74.5338% | 5,104 |
| Equity capital to assets | 8.6016% | 4,900 |
| Core capital (leverage) ratio | 9.7417% | 3,808 |
| Tier 1 risk-based capital ratio | 15.3198% | 2,729 |
| Total risk-based capital ratio | 16.1009% | 2,885 |
| Memoranda: | ||
| Average total assets | $208,119,000 | 2,863 |
| Average earning assets | $193,868,000 | 2,840 |
| Average equity | $18,600,500 | 3,296 |
| Average total loans | $90,743,500 | 3,527 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2884% | 5,094 |
| Cost of funding earning assets | 0.2889% | 4,232 |
| Net interest margin | 2.9995% | 4,886 |
| Noninterest income to average assets | 1.4355% | 519 |
| Noninterest expense to average assets | 2.7686% | 2,896 |
| Loan and lease loss provision to assets | 0.0030% | 4,187 |
| Net operating income to assets | 1.4589% | 885 |
| Return on assets (ROA) | 1.4788% | 867 |
| Pretax return on assets | 1.4788% | 1,724 |
| Return on Equity (ROE) | 15.9979% | 482 |
| Retained earnings to average equity (ytd only) | 6.7017% | 1,194 |
| Net charge-offs to loans | 0.0023% | 4,036 |
| Credit loss provision to net charge-offs | 300.0000% | 939 |
| Earnings coverage of net charge-offs (x) | 1,469.0000% | 47 |
| Efficiency ratio | 65.4434% | 3,352 |
| Assets per employee ($millions) | 5.7480% | 1,714 |
| Cash dividends to net income (ytd only)* | 58.1090% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 3,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 42.7886% | 5,042 |
| Net loans and leases to deposits | 56.6075% | 4,763 |
| Net loans and leases to core deposits | 58.7917% | 4,814 |
| Total domestic deposits to total assets | 75.5882% | 5,024 |
| Equity capital to assets | 9.2771% | 4,454 |
| Core capital (leverage) ratio | 9.5977% | 3,918 |
| Tier 1 risk-based capital ratio | 15.3171% | 2,693 |
| Total risk-based capital ratio | 16.0828% | 2,853 |
| Memoranda: | ||
| Average total assets | $200,968,800 | 2,914 |
| Average earning assets | $187,261,600 | 2,892 |
| Average equity | $18,577,400 | 3,287 |
| Average total loans | $87,715,200 | 3,570 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2503% | 5,171 |
| Cost of funding earning assets | 0.2825% | 4,293 |
| Net interest margin | 2.9678% | 4,994 |
| Noninterest income to average assets | 0.4953% | 3,056 |
| Noninterest expense to average assets | 2.2973% | 4,304 |
| Loan and lease loss provision to assets | 0.0033% | 4,044 |
| Net operating income to assets | 0.9611% | 2,720 |
| Return on assets (ROA) | 0.9879% | 2,667 |
| Pretax return on assets | 0.9879% | 3,734 |
| Return on Equity (ROE) | 10.6968% | 1,826 |
| Retained earnings to average equity (ytd only) | 0.6514% | 5,076 |
| Net charge-offs to loans | -0.0031% | 4,369 |
| Credit loss provision to net charge-offs | -250.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4303% | 2,467 |
| Assets per employee ($millions) | 5.6366% | 1,796 |
| Cash dividends to net income (ytd only)* | 93.9105% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 3,204 |
| Loan loss allowance to noncurrent loans | 7,730.7692% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 5,234 |
| Noncurrent loans to loans | 0.0149% | 5,077 |
| Net loans and leases to total assets | 42.5936% | 5,092 |
| Net loans and leases to deposits | 58.4603% | 4,723 |
| Net loans and leases to core deposits | 60.7383% | 4,781 |
| Total domestic deposits to total assets | 72.8590% | 5,325 |
| Equity capital to assets | 9.3269% | 4,624 |
| Core capital (leverage) ratio | 9.3192% | 4,385 |
| Tier 1 risk-based capital ratio | 14.6980% | 3,071 |
| Total risk-based capital ratio | 15.4791% | 3,239 |
| Memoranda: | ||
| Average total assets | $199,478,750 | 2,956 |
| Average earning assets | $185,946,500 | 2,931 |
| Average equity | $18,422,500 | 3,340 |
| Average total loans | $87,257,750 | 3,612 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2088% | 5,225 |
| Cost of funding earning assets | 0.2714% | 4,363 |
| Net interest margin | 2.9374% | 5,027 |
| Noninterest income to average assets | 0.4982% | 3,040 |
| Noninterest expense to average assets | 2.3113% | 4,312 |
| Loan and lease loss provision to assets | 0.0030% | 3,839 |
| Net operating income to assets | 0.9237% | 2,788 |
| Return on assets (ROA) | 0.9630% | 2,653 |
| Pretax return on assets | 0.9630% | 3,715 |
| Return on Equity (ROE) | 10.4631% | 1,853 |
| Retained earnings to average equity (ytd only) | -0.9094% | 5,221 |
| Net charge-offs to loans | -0.0046% | 4,322 |
| Credit loss provision to net charge-offs | -150.0000% | 4,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3796% | 2,457 |
| Assets per employee ($millions) | 5.4295% | 1,940 |
| Cash dividends to net income (ytd only)* | 108.6911% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 3,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 43.2897% | 5,078 |
| Net loans and leases to deposits | 58.6748% | 4,724 |
| Net loans and leases to core deposits | 60.5832% | 4,792 |
| Total domestic deposits to total assets | 73.7791% | 5,312 |
| Equity capital to assets | 9.3851% | 4,530 |
| Core capital (leverage) ratio | 9.3586% | 4,279 |
| Tier 1 risk-based capital ratio | 14.4844% | 3,175 |
| Total risk-based capital ratio | 15.2605% | 3,338 |
| Memoranda: | ||
| Average total assets | $198,332,330 | 2,980 |
| Average earning assets | $184,993,330 | 2,955 |
| Average equity | $18,254,670 | 3,368 |
| Average total loans | $87,198,670 | 3,633 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1834% | 5,264 |
| Cost of funding earning assets | 0.2722% | 4,333 |
| Net interest margin | 2.9112% | 5,065 |
| Noninterest income to average assets | 0.4973% | 3,000 |
| Noninterest expense to average assets | 2.3161% | 4,363 |
| Loan and lease loss provision to assets | 0.0041% | 3,505 |
| Net operating income to assets | 0.8911% | 2,808 |
| Return on assets (ROA) | 0.9703% | 2,485 |
| Pretax return on assets | 0.9703% | 3,495 |
| Return on Equity (ROE) | 10.6488% | 1,688 |
| Retained earnings to average equity (ytd only) | 2.6288% | 4,086 |
| Net charge-offs to loans | -0.0046% | 4,158 |
| Credit loss provision to net charge-offs | -200.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1239% | 2,549 |
| Assets per employee ($millions) | 5.2679% | 2,116 |
| Cash dividends to net income (ytd only)* | 75.3138% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 3,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 42.4369% | 5,135 |
| Net loans and leases to deposits | 57.6870% | 4,723 |
| Net loans and leases to core deposits | 59.5713% | 4,796 |
| Total domestic deposits to total assets | 73.5641% | 5,448 |
| Equity capital to assets | 9.0543% | 4,755 |
| Core capital (leverage) ratio | 9.5667% | 4,039 |
| Tier 1 risk-based capital ratio | 14.5007% | 3,202 |
| Total risk-based capital ratio | 15.2679% | 3,382 |
| Memoranda: | ||
| Average total assets | $197,052,000 | 3,025 |
| Average earning assets | $183,702,000 | 3,004 |
| Average equity | $17,955,000 | 3,413 |
| Average total loans | $86,813,000 | 3,668 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2240% | 5,265 |
| Cost of funding earning assets | 0.2510% | 4,556 |
| Net interest margin | 2.9730% | 5,012 |
| Noninterest income to average assets | 0.4654% | 3,449 |
| Noninterest expense to average assets | 2.2732% | 4,609 |
| Loan and lease loss provision to assets | 0.0143% | 4,094 |
| Net operating income to assets | 0.9461% | 2,604 |
| Return on assets (ROA) | 0.9809% | 2,538 |
| Pretax return on assets | 0.9809% | 3,537 |
| Return on Equity (ROE) | 10.1162% | 1,908 |
| Retained earnings to average equity (ytd only) | 2.6688% | 4,004 |
| Net charge-offs to loans | -0.0035% | 4,759 |
| Credit loss provision to net charge-offs | -933.3333% | 5,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2989% | 2,852 |
| Assets per employee ($millions) | 5.1032% | 2,283 |
| Cash dividends to net income (ytd only)* | 73.6184% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 44.6953% | 5,078 |
| Net loans and leases to deposits | 61.0544% | 4,611 |
| Net loans and leases to core deposits | 62.5963% | 4,717 |
| Total domestic deposits to total assets | 73.2057% | 5,489 |
| Equity capital to assets | 9.1712% | 4,617 |
| Core capital (leverage) ratio | 9.5391% | 4,031 |
| Tier 1 risk-based capital ratio | 14.4664% | 3,209 |
| Total risk-based capital ratio | 15.2343% | 3,384 |
| Memoranda: | ||
| Average total assets | $195,535,200 | 3,003 |
| Average earning assets | $182,072,600 | 2,993 |
| Average equity | $18,959,600 | 3,273 |
| Average total loans | $86,682,400 | 3,648 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2278% | 5,322 |
| Cost of funding earning assets | 0.2530% | 4,578 |
| Net interest margin | 2.9749% | 5,061 |
| Noninterest income to average assets | 0.4559% | 3,517 |
| Noninterest expense to average assets | 2.2728% | 4,596 |
| Loan and lease loss provision to assets | 0.0191% | 3,866 |
| Net operating income to assets | 0.9329% | 2,738 |
| Return on assets (ROA) | 0.9792% | 2,654 |
| Pretax return on assets | 0.9792% | 3,709 |
| Return on Equity (ROE) | 9.9652% | 2,067 |
| Retained earnings to average equity (ytd only) | 0.2562% | 5,281 |
| Net charge-offs to loans | -0.0031% | 4,533 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4790% | 2,824 |
| Assets per employee ($millions) | 5.1823% | 2,158 |
| Cash dividends to net income (ytd only)* | 97.4289% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 3,587 |
| Loan loss allowance to noncurrent loans | 4,990.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 5,485 |
| Noncurrent loans to loans | 0.0229% | 5,293 |
| Net loans and leases to total assets | 43.8188% | 5,207 |
| Net loans and leases to deposits | 59.6344% | 4,783 |
| Net loans and leases to core deposits | 61.5920% | 4,853 |
| Total domestic deposits to total assets | 73.4790% | 5,479 |
| Equity capital to assets | 9.8732% | 4,274 |
| Core capital (leverage) ratio | 9.3146% | 4,440 |
| Tier 1 risk-based capital ratio | 13.8399% | 3,643 |
| Total risk-based capital ratio | 14.5926% | 3,867 |
| Memoranda: | ||
| Average total assets | $195,938,500 | 3,009 |
| Average earning assets | $182,367,750 | 3,007 |
| Average equity | $19,253,250 | 3,262 |
| Average total loans | $86,434,750 | 3,672 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2200% | 5,401 |
| Cost of funding earning assets | 0.2569% | 4,581 |
| Net interest margin | 2.9631% | 5,148 |
| Noninterest income to average assets | 0.4713% | 3,401 |
| Noninterest expense to average assets | 2.3066% | 4,592 |
| Loan and lease loss provision to assets | 0.0204% | 3,729 |
| Net operating income to assets | 0.9038% | 2,842 |
| Return on assets (ROA) | 0.9734% | 2,650 |
| Pretax return on assets | 0.9734% | 3,688 |
| Return on Equity (ROE) | 9.9218% | 2,082 |
| Retained earnings to average equity (ytd only) | -1.0422% | 5,442 |
| Net charge-offs to loans | -0.0046% | 4,506 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3924% | 2,760 |
| Assets per employee ($millions) | 5.1655% | 2,127 |
| Cash dividends to net income (ytd only)* | 110.5042% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 3,770 |
| Loan loss allowance to noncurrent loans | 4,714.2857% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 5,573 |
| Noncurrent loans to loans | 0.0240% | 5,375 |
| Net loans and leases to total assets | 44.0277% | 5,230 |
| Net loans and leases to deposits | 61.6452% | 4,683 |
| Net loans and leases to core deposits | 63.4758% | 4,779 |
| Total domestic deposits to total assets | 71.4211% | 5,703 |
| Equity capital to assets | 9.9400% | 4,302 |
| Core capital (leverage) ratio | 9.3805% | 4,359 |
| Tier 1 risk-based capital ratio | 13.2276% | 4,062 |
| Total risk-based capital ratio | 13.9466% | 4,295 |
| Memoranda: | ||
| Average total assets | $195,609,000 | 3,035 |
| Average earning assets | $182,176,670 | 3,017 |
| Average equity | $19,190,000 | 3,272 |
| Average total loans | $86,150,000 | 3,689 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2365% | 5,434 |
| Cost of funding earning assets | 0.2595% | 4,617 |
| Net interest margin | 2.9771% | 5,170 |
| Noninterest income to average assets | 0.4691% | 3,347 |
| Noninterest expense to average assets | 2.3557% | 4,502 |
| Loan and lease loss provision to assets | 0.0164% | 3,474 |
| Net operating income to assets | 0.8706% | 2,896 |
| Return on assets (ROA) | 1.0181% | 2,317 |
| Pretax return on assets | 1.0181% | 3,408 |
| Return on Equity (ROE) | 10.4469% | 1,797 |
| Retained earnings to average equity (ytd only) | 3.0899% | 3,971 |
| Net charge-offs to loans | -0.0047% | 4,273 |
| Credit loss provision to net charge-offs | -800.0000% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6469% | 2,708 |
| Assets per employee ($millions) | 5.2094% | 2,126 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 3,929 |
| Loan loss allowance to noncurrent loans | 4,440.9091% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 5,619 |
| Noncurrent loans to loans | 0.0253% | 5,391 |
| Net loans and leases to total assets | 44.6456% | 5,212 |
| Net loans and leases to deposits | 60.5848% | 4,673 |
| Net loans and leases to core deposits | 62.1535% | 4,812 |
| Total domestic deposits to total assets | 73.6912% | 5,644 |
| Equity capital to assets | 10.0208% | 4,051 |
| Core capital (leverage) ratio | 9.4577% | 4,263 |
| Tier 1 risk-based capital ratio | 13.5359% | 3,958 |
| Total risk-based capital ratio | 14.2523% | 4,180 |
| Memoranda: | ||
| Average total assets | $195,269,500 | 3,041 |
| Average earning assets | $181,922,500 | 3,024 |
| Average equity | $19,029,500 | 3,300 |
| Average total loans | $85,519,500 | 3,712 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1852% | 5,533 |
| Cost of funding earning assets | 0.2359% | 4,940 |
| Net interest margin | 2.9492% | 5,250 |
| Noninterest income to average assets | 0.5001% | 3,331 |
| Noninterest expense to average assets | 2.2981% | 4,793 |
| Loan and lease loss provision to assets | 0.0153% | 4,104 |
| Net operating income to assets | 0.9322% | 2,695 |
| Return on assets (ROA) | 1.0742% | 2,098 |
| Pretax return on assets | 1.0742% | 3,176 |
| Return on Equity (ROE) | 11.3528% | 1,484 |
| Retained earnings to average equity (ytd only) | 3.7951% | 3,331 |
| Net charge-offs to loans | 0.0714% | 2,817 |
| Credit loss provision to net charge-offs | 54.5455% | 3,340 |
| Earnings coverage of net charge-offs (x) | 33.7273% | 1,336 |
| Efficiency ratio | 70.8058% | 3,095 |
| Assets per employee ($millions) | 5.3457% | 1,956 |
| Cash dividends to net income (ytd only)* | 66.5716% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 3,741 |
| Loan loss allowance to noncurrent loans | 4,208.6957% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 5,659 |
| Noncurrent loans to loans | 0.0274% | 5,404 |
| Net loans and leases to total assets | 41.9839% | 5,408 |
| Net loans and leases to deposits | 59.2698% | 4,828 |
| Net loans and leases to core deposits | 60.3831% | 4,956 |
| Total domestic deposits to total assets | 70.8352% | 5,858 |
| Equity capital to assets | 9.4767% | 4,578 |
| Core capital (leverage) ratio | 9.3652% | 4,378 |
| Tier 1 risk-based capital ratio | 13.3309% | 4,089 |
| Total risk-based capital ratio | 14.0355% | 4,357 |
| Memoranda: | ||
| Average total assets | $195,768,200 | 2,986 |
| Average earning assets | $182,251,800 | 2,974 |
| Average equity | $18,524,000 | 3,313 |
| Average total loans | $77,045,200 | 3,909 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2290% | 5,546 |
| Cost of funding earning assets | 0.2414% | 4,979 |
| Net interest margin | 2.9875% | 5,227 |
| Noninterest income to average assets | 0.5067% | 3,319 |
| Noninterest expense to average assets | 2.3298% | 4,705 |
| Loan and lease loss provision to assets | 0.0157% | 3,958 |
| Net operating income to assets | 0.9409% | 2,757 |
| Return on assets (ROA) | 1.0495% | 2,317 |
| Pretax return on assets | 1.0495% | 3,417 |
| Return on Equity (ROE) | 11.0958% | 1,673 |
| Retained earnings to average equity (ytd only) | 0.9890% | 5,319 |
| Net charge-offs to loans | 0.0974% | 2,179 |
| Credit loss provision to net charge-offs | 41.8182% | 3,143 |
| Earnings coverage of net charge-offs (x) | 25.4732% | 1,663 |
| Efficiency ratio | 70.8913% | 3,068 |
| Assets per employee ($millions) | 5.2213% | 2,036 |
| Cash dividends to net income (ytd only)* | 91.0866% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 3,426 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 5,754 |
| Noncurrent loans to loans | 0.0310% | 5,494 |
| Net loans and leases to total assets | 39.5580% | 5,617 |
| Net loans and leases to deposits | 54.8820% | 5,196 |
| Net loans and leases to core deposits | 56.2929% | 5,294 |
| Total domestic deposits to total assets | 72.0783% | 5,855 |
| Equity capital to assets | 9.5436% | 4,703 |
| Core capital (leverage) ratio | 9.0503% | 4,934 |
| Tier 1 risk-based capital ratio | 15.3458% | 3,117 |
| Total risk-based capital ratio | 16.1758% | 3,282 |
| Memoranda: | ||
| Average total assets | $195,262,750 | 3,019 |
| Average earning assets | $181,685,000 | 3,005 |
| Average equity | $18,469,000 | 3,344 |
| Average total loans | $75,304,500 | 4,000 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2604% | 5,512 |
| Cost of funding earning assets | 0.2446% | 5,000 |
| Net interest margin | 3.0158% | 5,183 |
| Noninterest income to average assets | 0.4787% | 3,509 |
| Noninterest expense to average assets | 2.3342% | 4,763 |
| Loan and lease loss provision to assets | 0.0153% | 3,816 |
| Net operating income to assets | 0.9349% | 2,712 |
| Return on assets (ROA) | 1.0656% | 2,188 |
| Pretax return on assets | 1.0656% | 3,323 |
| Return on Equity (ROE) | 11.2989% | 1,591 |
| Retained earnings to average equity (ytd only) | -0.0649% | 5,522 |
| Net charge-offs to loans | 0.1501% | 1,589 |
| Credit loss provision to net charge-offs | 26.7857% | 2,953 |
| Earnings coverage of net charge-offs (x) | 16.6250% | 1,898 |
| Efficiency ratio | 71.0690% | 3,144 |
| Assets per employee ($millions) | 5.2786% | 1,949 |
| Cash dividends to net income (ytd only)* | 100.5747% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 3,500 |
| Loan loss allowance to noncurrent loans | 2,321.9512% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 5,810 |
| Noncurrent loans to loans | 0.0539% | 5,523 |
| Net loans and leases to total assets | 38.4577% | 5,714 |
| Net loans and leases to deposits | 52.9394% | 5,318 |
| Net loans and leases to core deposits | 53.9226% | 5,424 |
| Total domestic deposits to total assets | 72.6447% | 5,901 |
| Equity capital to assets | 9.1742% | 5,050 |
| Core capital (leverage) ratio | 8.7151% | 5,302 |
| Tier 1 risk-based capital ratio | 15.4199% | 3,150 |
| Total risk-based capital ratio | 16.2537% | 3,288 |
| Memoranda: | ||
| Average total assets | $195,954,670 | 3,036 |
| Average earning assets | $182,307,670 | 3,024 |
| Average equity | $18,479,670 | 3,363 |
| Average total loans | $74,612,330 | 4,040 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2530% | 5,551 |
| Cost of funding earning assets | 0.2453% | 5,072 |
| Net interest margin | 3.0077% | 5,196 |
| Noninterest income to average assets | 0.4748% | 3,467 |
| Noninterest expense to average assets | 2.3701% | 4,683 |
| Loan and lease loss provision to assets | 0.0143% | 3,539 |
| Net operating income to assets | 0.8885% | 2,801 |
| Return on assets (ROA) | 1.0903% | 2,017 |
| Pretax return on assets | 1.0903% | 3,125 |
| Return on Equity (ROE) | 11.4069% | 1,516 |
| Retained earnings to average equity (ytd only) | 3.9445% | 3,627 |
| Net charge-offs to loans | 0.2653% | 903 |
| Credit loss provision to net charge-offs | 14.2857% | 2,402 |
| Earnings coverage of net charge-offs (x) | 9.0408% | 2,040 |
| Efficiency ratio | 72.4159% | 3,102 |
| Assets per employee ($millions) | 5.2787% | 2,019 |
| Cash dividends to net income (ytd only)* | 65.4206% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 3,659 |
| Loan loss allowance to noncurrent loans | 1,440.9091% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 5,810 |
| Noncurrent loans to loans | 0.0871% | 5,432 |
| Net loans and leases to total assets | 37.3175% | 5,762 |
| Net loans and leases to deposits | 53.1357% | 5,261 |
| Net loans and leases to core deposits | 54.0297% | 5,366 |
| Total domestic deposits to total assets | 70.2306% | 6,120 |
| Equity capital to assets | 9.3852% | 4,873 |
| Core capital (leverage) ratio | 9.0213% | 4,926 |
| Tier 1 risk-based capital ratio | 17.0345% | 2,469 |
| Total risk-based capital ratio | 17.9448% | 2,552 |
| Memoranda: | ||
| Average total assets | $196,278,000 | 3,049 |
| Average earning assets | $182,598,000 | 3,034 |
| Average equity | $18,760,500 | 3,361 |
| Average total loans | $73,887,000 | 4,083 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2665% | 5,750 |
| Cost of funding earning assets | 0.2578% | 5,244 |
| Net interest margin | 3.0086% | 5,432 |
| Noninterest income to average assets | 0.6492% | 2,553 |
| Noninterest expense to average assets | 2.3588% | 4,950 |
| Loan and lease loss provision to assets | 0.0021% | 4,566 |
| Net operating income to assets | 1.0905% | 2,013 |
| Return on assets (ROA) | 1.1394% | 1,884 |
| Pretax return on assets | 1.1394% | 2,930 |
| Return on Equity (ROE) | 12.8956% | 1,167 |
| Retained earnings to average equity (ytd only) | 4.5123% | 2,959 |
| Net charge-offs to loans | -0.0015% | 5,363 |
| Credit loss provision to net charge-offs | -400.0000% | 5,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3434% | 3,838 |
| Assets per employee ($millions) | 5.0517% | 2,255 |
| Cash dividends to net income (ytd only)* | 65.0091% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 3,048 |
| Loan loss allowance to noncurrent loans | 3,677.7778% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 5,999 |
| Noncurrent loans to loans | 0.0375% | 5,731 |
| Net loans and leases to total assets | 36.9726% | 5,900 |
| Net loans and leases to deposits | 51.7624% | 5,497 |
| Net loans and leases to core deposits | 52.6556% | 5,586 |
| Total domestic deposits to total assets | 71.4275% | 6,122 |
| Equity capital to assets | 9.7388% | 4,425 |
| Core capital (leverage) ratio | 9.2215% | 4,647 |
| Tier 1 risk-based capital ratio | 16.4889% | 2,716 |
| Total risk-based capital ratio | 17.4187% | 2,822 |
| Memoranda: | ||
| Average total assets | $192,387,200 | 3,081 |
| Average earning assets | $179,184,800 | 3,056 |
| Average equity | $16,998,000 | 3,525 |
| Average total loans | $68,101,200 | 4,233 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2579% | 5,830 |
| Cost of funding earning assets | 0.2615% | 5,290 |
| Net interest margin | 2.9964% | 5,513 |
| Noninterest income to average assets | 0.6892% | 2,383 |
| Noninterest expense to average assets | 2.3224% | 5,052 |
| Loan and lease loss provision to assets | 0.0021% | 4,364 |
| Net operating income to assets | 1.1588% | 1,829 |
| Return on assets (ROA) | 1.1740% | 1,850 |
| Pretax return on assets | 1.1740% | 2,896 |
| Return on Equity (ROE) | 13.6357% | 1,067 |
| Retained earnings to average equity (ytd only) | 2.1720% | 4,973 |
| Net charge-offs to loans | -0.0020% | 5,187 |
| Credit loss provision to net charge-offs | -300.0000% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6733% | 4,101 |
| Assets per employee ($millions) | 4.9269% | 2,341 |
| Cash dividends to net income (ytd only)* | 84.0708% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 3,178 |
| Loan loss allowance to noncurrent loans | 3,542.8571% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 6,120 |
| Noncurrent loans to loans | 0.0395% | 5,858 |
| Net loans and leases to total assets | 37.3137% | 5,976 |
| Net loans and leases to deposits | 51.4032% | 5,566 |
| Net loans and leases to core deposits | 52.5520% | 5,653 |
| Total domestic deposits to total assets | 72.5901% | 6,127 |
| Equity capital to assets | 9.4658% | 4,834 |
| Core capital (leverage) ratio | 9.0043% | 5,064 |
| Tier 1 risk-based capital ratio | 16.3648% | 2,869 |
| Total risk-based capital ratio | 17.3134% | 2,983 |
| Memoranda: | ||
| Average total assets | $192,493,000 | 3,095 |
| Average earning assets | $179,500,000 | 3,068 |
| Average equity | $16,573,750 | 3,607 |
| Average total loans | $67,134,750 | 4,306 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2292% | 5,908 |
| Cost of funding earning assets | 0.2644% | 5,341 |
| Net interest margin | 2.9648% | 5,600 |
| Noninterest income to average assets | 0.4952% | 3,510 |
| Noninterest expense to average assets | 2.2795% | 5,202 |
| Loan and lease loss provision to assets | 0.0021% | 4,175 |
| Net operating income to assets | 0.9730% | 2,444 |
| Return on assets (ROA) | 0.9771% | 2,503 |
| Pretax return on assets | 0.9771% | 3,576 |
| Return on Equity (ROE) | 11.7226% | 1,512 |
| Retained earnings to average equity (ytd only) | -0.3212% | 5,735 |
| Net charge-offs to loans | -0.0030% | 5,096 |
| Credit loss provision to net charge-offs | -200.0000% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0411% | 3,652 |
| Assets per employee ($millions) | 5.1898% | 1,983 |
| Cash dividends to net income (ytd only)* | 102.7397% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 3,072 |
| Loan loss allowance to noncurrent loans | 3,413.7931% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 6,196 |
| Noncurrent loans to loans | 0.0428% | 5,926 |
| Net loans and leases to total assets | 34.7790% | 6,119 |
| Net loans and leases to deposits | 49.6916% | 5,654 |
| Net loans and leases to core deposits | 50.1826% | 5,783 |
| Total domestic deposits to total assets | 69.9897% | 6,354 |
| Equity capital to assets | 9.0188% | 5,278 |
| Core capital (leverage) ratio | 8.6456% | 5,473 |
| Tier 1 risk-based capital ratio | 16.2397% | 2,964 |
| Total risk-based capital ratio | 17.1957% | 3,058 |
| Memoranda: | ||
| Average total assets | $194,250,330 | 3,099 |
| Average earning assets | $180,789,330 | 3,072 |
| Average equity | $16,191,000 | 3,661 |
| Average total loans | $65,896,000 | 4,359 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2390% | 5,947 |
| Cost of funding earning assets | 0.2725% | 5,362 |
| Net interest margin | 2.9665% | 5,609 |
| Noninterest income to average assets | 0.4627% | 3,689 |
| Noninterest expense to average assets | 2.2420% | 5,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9848% | 2,269 |
| Return on assets (ROA) | 0.9848% | 2,328 |
| Pretax return on assets | 0.9848% | 3,388 |
| Return on Equity (ROE) | 12.3116% | 1,341 |
| Retained earnings to average equity (ytd only) | 3.3531% | 4,116 |
| Net charge-offs to loans | -0.0062% | 4,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4797% | 3,916 |
| Assets per employee ($millions) | 5.2751% | 1,936 |
| Cash dividends to net income (ytd only)* | 72.7651% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 3,136 |
| Loan loss allowance to noncurrent loans | 3,296.6667% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 6,274 |
| Noncurrent loans to loans | 0.0456% | 6,011 |
| Net loans and leases to total assets | 33.2216% | 6,215 |
| Net loans and leases to deposits | 48.1291% | 5,723 |
| Net loans and leases to core deposits | 48.4242% | 5,851 |
| Total domestic deposits to total assets | 69.0261% | 6,480 |
| Equity capital to assets | 8.2945% | 5,829 |
| Core capital (leverage) ratio | 8.6154% | 5,509 |
| Tier 1 risk-based capital ratio | 16.6008% | 2,847 |
| Total risk-based capital ratio | 17.5680% | 2,963 |
| Memoranda: | ||
| Average total assets | $195,365,000 | 3,106 |
| Average earning assets | $182,034,000 | 3,074 |
| Average equity | $15,627,500 | 3,761 |
| Average total loans | $64,957,500 | 4,432 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9844% | 6,358 |
| Cost of funding earning assets | 0.3095% | 5,522 |
| Net interest margin | 2.6749% | 6,170 |
| Noninterest income to average assets | 0.5056% | 3,719 |
| Noninterest expense to average assets | 2.1668% | 5,701 |
| Loan and lease loss provision to assets | -0.1483% | 6,542 |
| Net operating income to assets | 0.9860% | 2,387 |
| Return on assets (ROA) | 1.0098% | 2,346 |
| Pretax return on assets | 1.0098% | 3,315 |
| Return on Equity (ROE) | 12.7479% | 1,223 |
| Retained earnings to average equity (ytd only) | 6.3334% | 1,782 |
| Net charge-offs to loans | -0.6437% | 6,741 |
| Credit loss provision to net charge-offs | 71.9424% | 3,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1171% | 3,454 |
| Assets per employee ($millions) | 5.2852% | 1,866 |
| Cash dividends to net income (ytd only)* | 50.3182% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 3,000 |
| Loan loss allowance to noncurrent loans | 3,187.0968% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 6,367 |
| Noncurrent loans to loans | 0.0484% | 6,084 |
| Net loans and leases to total assets | 32.2659% | 6,371 |
| Net loans and leases to deposits | 47.0469% | 5,949 |
| Net loans and leases to core deposits | 47.3932% | 6,070 |
| Total domestic deposits to total assets | 68.5824% | 6,568 |
| Equity capital to assets | 7.7043% | 6,184 |
| Core capital (leverage) ratio | 8.5089% | 5,662 |
| Tier 1 risk-based capital ratio | 16.8837% | 2,666 |
| Total risk-based capital ratio | 17.8740% | 2,748 |
| Memoranda: | ||
| Average total assets | $202,325,200 | 3,011 |
| Average earning assets | $189,019,200 | 2,961 |
| Average equity | $16,026,200 | 3,696 |
| Average total loans | $64,786,000 | 4,451 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9241% | 6,477 |
| Cost of funding earning assets | 0.3177% | 5,573 |
| Net interest margin | 2.6065% | 6,305 |
| Noninterest income to average assets | 0.5111% | 3,727 |
| Noninterest expense to average assets | 2.1377% | 5,749 |
| Loan and lease loss provision to assets | -0.1961% | 6,718 |
| Net operating income to assets | 1.0038% | 2,363 |
| Return on assets (ROA) | 1.0162% | 2,401 |
| Pretax return on assets | 1.0162% | 3,445 |
| Return on Equity (ROE) | 12.7459% | 1,298 |
| Retained earnings to average equity (ytd only) | 4.3197% | 3,603 |
| Net charge-offs to loans | -0.8518% | 6,818 |
| Credit loss provision to net charge-offs | 72.2892% | 3,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5760% | 3,303 |
| Assets per employee ($millions) | 5.3010% | 1,844 |
| Cash dividends to net income (ytd only)* | 66.1093% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 3,333 |
| Loan loss allowance to noncurrent loans | 2,817.1429% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 6,444 |
| Noncurrent loans to loans | 0.0543% | 6,185 |
| Net loans and leases to total assets | 32.3412% | 6,438 |
| Net loans and leases to deposits | 46.9825% | 6,038 |
| Net loans and leases to core deposits | 47.3632% | 6,150 |
| Total domestic deposits to total assets | 68.8366% | 6,639 |
| Equity capital to assets | 7.5468% | 6,376 |
| Core capital (leverage) ratio | 8.3455% | 5,922 |
| Tier 1 risk-based capital ratio | 16.8433% | 2,774 |
| Total risk-based capital ratio | 17.8587% | 2,853 |
| Memoranda: | ||
| Average total assets | $204,018,250 | 3,007 |
| Average earning assets | $190,547,000 | 2,967 |
| Average equity | $16,266,250 | 3,702 |
| Average total loans | $64,961,250 | 4,486 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9034% | 6,529 |
| Cost of funding earning assets | 0.3292% | 5,575 |
| Net interest margin | 2.5743% | 6,354 |
| Noninterest income to average assets | 0.5004% | 3,829 |
| Noninterest expense to average assets | 2.0857% | 5,894 |
| Loan and lease loss provision to assets | 0.0058% | 4,720 |
| Net operating income to assets | 0.8159% | 3,216 |
| Return on assets (ROA) | 0.8314% | 3,297 |
| Pretax return on assets | 0.8314% | 4,194 |
| Return on Equity (ROE) | 10.2541% | 2,103 |
| Retained earnings to average equity (ytd only) | 1.3012% | 5,374 |
| Net charge-offs to loans | -0.0061% | 5,673 |
| Credit loss provision to net charge-offs | -300.0000% | 5,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7377% | 3,514 |
| Assets per employee ($millions) | 5.2974% | 1,796 |
| Cash dividends to net income (ytd only)* | 87.3108% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 4,310 |
| Loan loss allowance to noncurrent loans | 61.3827% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7306% | 4,390 |
| Noncurrent loans to loans | 2.1843% | 2,193 |
| Net loans and leases to total assets | 32.9995% | 6,458 |
| Net loans and leases to deposits | 49.6725% | 5,865 |
| Net loans and leases to core deposits | 50.0891% | 6,019 |
| Total domestic deposits to total assets | 66.4342% | 6,749 |
| Equity capital to assets | 7.7019% | 6,363 |
| Core capital (leverage) ratio | 8.0006% | 6,186 |
| Tier 1 risk-based capital ratio | 16.2550% | 3,069 |
| Total risk-based capital ratio | 17.1515% | 3,201 |
| Memoranda: | ||
| Average total assets | $206,645,330 | 2,980 |
| Average earning assets | $193,220,000 | 2,955 |
| Average equity | $16,754,330 | 3,659 |
| Average total loans | $65,142,000 | 4,496 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9061% | 6,604 |
| Cost of funding earning assets | 0.3532% | 5,502 |
| Net interest margin | 2.5529% | 6,437 |
| Noninterest income to average assets | 0.4718% | 3,980 |
| Noninterest expense to average assets | 2.0230% | 6,058 |
| Loan and lease loss provision to assets | 0.0057% | 4,364 |
| Net operating income to assets | 0.8303% | 3,006 |
| Return on assets (ROA) | 0.8303% | 3,149 |
| Pretax return on assets | 0.8303% | 4,042 |
| Return on Equity (ROE) | 10.0094% | 2,059 |
| Retained earnings to average equity (ytd only) | 2.6161% | 4,714 |
| Net charge-offs to loans | -0.0062% | 5,309 |
| Credit loss provision to net charge-offs | -300.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7591% | 3,835 |
| Assets per employee ($millions) | 5.5293% | 1,645 |
| Cash dividends to net income (ytd only)* | 73.8636% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 4,554 |
| Loan loss allowance to noncurrent loans | 60.4699% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 4,607 |
| Noncurrent loans to loans | 2.2013% | 2,386 |
| Net loans and leases to total assets | 31.7025% | 6,529 |
| Net loans and leases to deposits | 50.0073% | 5,783 |
| Net loans and leases to core deposits | 50.4206% | 5,944 |
| Total domestic deposits to total assets | 63.3958% | 6,881 |
| Equity capital to assets | 8.5481% | 5,972 |
| Core capital (leverage) ratio | 7.6083% | 6,418 |
| Tier 1 risk-based capital ratio | 16.6592% | 2,921 |
| Total risk-based capital ratio | 17.5735% | 3,048 |
| Memoranda: | ||
| Average total assets | $211,966,500 | 2,961 |
| Average earning assets | $198,206,500 | 2,917 |
| Average equity | $17,583,500 | 3,581 |
| Average total loans | $64,933,500 | 4,528 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5901% | 6,237 |
| Cost of funding earning assets | 0.4659% | 5,450 |
| Net interest margin | 3.1243% | 5,754 |
| Noninterest income to average assets | 0.5126% | 3,815 |
| Noninterest expense to average assets | 2.4469% | 5,266 |
| Loan and lease loss provision to assets | 0.3918% | 1,661 |
| Net operating income to assets | 0.5775% | 4,352 |
| Return on assets (ROA) | 1.1164% | 2,058 |
| Pretax return on assets | 1.1164% | 3,096 |
| Return on Equity (ROE) | 12.1863% | 1,454 |
| Retained earnings to average equity (ytd only) | 5.6010% | 2,316 |
| Net charge-offs to loans | 1.0354% | 1,038 |
| Credit loss provision to net charge-offs | 103.0513% | 2,914 |
| Earnings coverage of net charge-offs (x) | 2.5492% | 4,139 |
| Efficiency ratio | 71.6270% | 3,494 |
| Assets per employee ($millions) | 5.9284% | 1,334 |
| Cash dividends to net income (ytd only)* | 54.0387% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 4,363 |
| Loan loss allowance to noncurrent loans | 58.5349% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 4,790 |
| Noncurrent loans to loans | 2.3201% | 2,322 |
| Net loans and leases to total assets | 28.8411% | 6,740 |
| Net loans and leases to deposits | 49.0270% | 6,029 |
| Net loans and leases to core deposits | 49.9787% | 6,150 |
| Total domestic deposits to total assets | 58.8270% | 6,981 |
| Equity capital to assets | 8.0597% | 6,376 |
| Core capital (leverage) ratio | 8.3486% | 5,827 |
| Tier 1 risk-based capital ratio | 16.5437% | 2,866 |
| Total risk-based capital ratio | 17.4541% | 3,000 |
| Memoranda: | ||
| Average total assets | $189,625,600 | 3,180 |
| Average earning assets | $176,233,400 | 3,144 |
| Average equity | $17,372,000 | 3,562 |
| Average total loans | $69,638,200 | 4,369 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 5,990 |
| Cost of funding earning assets | 0.4920% | 5,492 |
| Net interest margin | 3.3233% | 5,300 |
| Noninterest income to average assets | 0.5540% | 3,581 |
| Noninterest expense to average assets | 2.5950% | 4,763 |
| Loan and lease loss provision to assets | 0.5262% | 1,136 |
| Net operating income to assets | 0.5174% | 4,776 |
| Return on assets (ROA) | 1.2492% | 1,744 |
| Pretax return on assets | 1.2492% | 2,795 |
| Return on Equity (ROE) | 13.1593% | 1,298 |
| Retained earnings to average equity (ytd only) | 4.3402% | 3,837 |
| Net charge-offs to loans | 1.3800% | 658 |
| Credit loss provision to net charge-offs | 97.8231% | 3,058 |
| Earnings coverage of net charge-offs (x) | 1.9401% | 4,291 |
| Efficiency ratio | 71.3194% | 3,444 |
| Assets per employee ($millions) | 4.9964% | 2,201 |
| Cash dividends to net income (ytd only)* | 67.0185% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 5,217 |
| Loan loss allowance to noncurrent loans | 55.8311% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 4,687 |
| Noncurrent loans to loans | 2.1771% | 2,650 |
| Net loans and leases to total assets | 36.6198% | 6,512 |
| Net loans and leases to deposits | 54.3240% | 5,784 |
| Net loans and leases to core deposits | 56.1092% | 5,879 |
| Total domestic deposits to total assets | 67.4101% | 6,941 |
| Equity capital to assets | 9.6091% | 5,043 |
| Core capital (leverage) ratio | 8.3744% | 5,921 |
| Tier 1 risk-based capital ratio | 16.4978% | 3,001 |
| Total risk-based capital ratio | 17.3891% | 3,169 |
| Memoranda: | ||
| Average total assets | $182,194,500 | 3,308 |
| Average earning assets | $169,104,500 | 3,275 |
| Average equity | $17,295,250 | 3,613 |
| Average total loans | $71,014,250 | 4,365 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 5,906 |
| Cost of funding earning assets | 0.5096% | 5,560 |
| Net interest margin | 3.3943% | 5,108 |
| Noninterest income to average assets | 0.5692% | 3,454 |
| Noninterest expense to average assets | 2.4743% | 5,223 |
| Loan and lease loss provision to assets | 0.7843% | 649 |
| Net operating income to assets | 0.4556% | 5,013 |
| Return on assets (ROA) | 1.2035% | 1,900 |
| Pretax return on assets | 1.2035% | 2,910 |
| Return on Equity (ROE) | 12.7312% | 1,433 |
| Retained earnings to average equity (ytd only) | 2.0888% | 5,154 |
| Net charge-offs to loans | 2.7755% | 226 |
| Credit loss provision to net charge-offs | 71.3139% | 3,531 |
| Earnings coverage of net charge-offs (x) | 1.1274% | 4,449 |
| Efficiency ratio | 66.6172% | 4,405 |
| Assets per employee ($millions) | 4.9050% | 2,286 |
| Cash dividends to net income (ytd only)* | 83.5930% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 6,730 |
| Loan loss allowance to noncurrent loans | 20.8750% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 1.4861% | 3,472 |
| Noncurrent loans to loans | 3.6889% | 1,538 |
| Net loans and leases to total assets | 39.9749% | 6,343 |
| Net loans and leases to deposits | 58.1566% | 5,429 |
| Net loans and leases to core deposits | 59.5212% | 5,644 |
| Total domestic deposits to total assets | 68.7366% | 6,967 |
| Equity capital to assets | 9.4532% | 5,125 |
| Core capital (leverage) ratio | 8.3020% | 5,907 |
| Tier 1 risk-based capital ratio | 15.2306% | 3,615 |
| Total risk-based capital ratio | 15.8009% | 4,030 |
| Memoranda: | ||
| Average total assets | $181,303,670 | 3,332 |
| Average earning assets | $167,987,670 | 3,291 |
| Average equity | $17,139,000 | 3,619 |
| Average total loans | $71,842,000 | 4,357 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 5,662 |
| Cost of funding earning assets | 0.5402% | 5,554 |
| Net interest margin | 3.4923% | 4,745 |
| Noninterest income to average assets | 0.5739% | 3,392 |
| Noninterest expense to average assets | 2.4811% | 5,210 |
| Loan and lease loss provision to assets | 0.0530% | 4,748 |
| Net operating income to assets | 1.2648% | 1,556 |
| Return on assets (ROA) | 1.3774% | 1,412 |
| Pretax return on assets | 1.3774% | 2,258 |
| Return on Equity (ROE) | 14.5705% | 1,064 |
| Retained earnings to average equity (ytd only) | 5.0903% | 3,501 |
| Net charge-offs to loans | -0.0112% | 5,979 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3109% | 4,683 |
| Assets per employee ($millions) | 4.7761% | 2,551 |
| Cash dividends to net income (ytd only)* | 65.0641% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 5,212 |
| Loan loss allowance to noncurrent loans | 21.4829% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 2.2442% | 2,654 |
| Noncurrent loans to loans | 5.8536% | 871 |
| Net loans and leases to total assets | 37.8562% | 6,498 |
| Net loans and leases to deposits | 56.2855% | 5,568 |
| Net loans and leases to core deposits | 57.5871% | 5,748 |
| Total domestic deposits to total assets | 67.2575% | 7,077 |
| Equity capital to assets | 9.6241% | 4,619 |
| Core capital (leverage) ratio | 8.3068% | 5,864 |
| Tier 1 risk-based capital ratio | 15.3757% | 3,515 |
| Total risk-based capital ratio | 16.2683% | 3,702 |
| Memoranda: | ||
| Average total assets | $181,213,500 | 3,358 |
| Average earning assets | $167,339,500 | 3,327 |
| Average equity | $17,130,500 | 3,622 |
| Average total loans | $71,207,500 | 4,408 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 5,246 |
| Cost of funding earning assets | 0.5888% | 6,140 |
| Net interest margin | 3.8634% | 3,501 |
| Noninterest income to average assets | 0.5737% | 3,341 |
| Noninterest expense to average assets | 2.7211% | 4,663 |
| Loan and lease loss provision to assets | 0.0572% | 5,881 |
| Net operating income to assets | 1.3597% | 1,114 |
| Return on assets (ROA) | 1.4992% | 903 |
| Pretax return on assets | 1.4992% | 1,472 |
| Return on Equity (ROE) | 16.0715% | 591 |
| Retained earnings to average equity (ytd only) | 7.8504% | 1,131 |
| Net charge-offs to loans | -0.0137% | 6,916 |
| Credit loss provision to net charge-offs | -960.0000% | 6,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7588% | 4,824 |
| Assets per employee ($millions) | 4.7614% | 2,501 |
| Cash dividends to net income (ytd only)* | 51.1535% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 5,558 |
| Loan loss allowance to noncurrent loans | 69.3627% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6765% | 5,288 |
| Noncurrent loans to loans | 1.6805% | 3,640 |
| Net loans and leases to total assets | 39.7850% | 6,554 |
| Net loans and leases to deposits | 60.9206% | 5,378 |
| Net loans and leases to core deposits | 62.5103% | 5,594 |
| Total domestic deposits to total assets | 65.3063% | 7,145 |
| Equity capital to assets | 9.2818% | 5,169 |
| Core capital (leverage) ratio | 8.4170% | 5,694 |
| Tier 1 risk-based capital ratio | 14.4815% | 3,987 |
| Total risk-based capital ratio | 15.3092% | 4,236 |
| Memoranda: | ||
| Average total assets | $167,688,200 | 3,525 |
| Average earning assets | $154,708,400 | 3,497 |
| Average equity | $15,642,600 | 3,781 |
| Average total loans | $73,126,000 | 4,376 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 5,135 |
| Cost of funding earning assets | 0.5988% | 6,289 |
| Net interest margin | 3.9390% | 3,191 |
| Noninterest income to average assets | 0.5970% | 3,180 |
| Noninterest expense to average assets | 2.7773% | 4,429 |
| Loan and lease loss provision to assets | 0.0584% | 5,712 |
| Net operating income to assets | 1.3895% | 1,179 |
| Return on assets (ROA) | 1.5793% | 877 |
| Pretax return on assets | 1.5793% | 1,439 |
| Return on Equity (ROE) | 16.9064% | 575 |
| Retained earnings to average equity (ytd only) | 5.8352% | 2,649 |
| Net charge-offs to loans | -0.0164% | 6,865 |
| Credit loss provision to net charge-offs | -800.0000% | 6,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7324% | 4,761 |
| Assets per employee ($millions) | 4.5473% | 2,847 |
| Cash dividends to net income (ytd only)* | 65.4853% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 5,685 |
| Loan loss allowance to noncurrent loans | 68.0429% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 5,393 |
| Noncurrent loans to loans | 1.6887% | 3,773 |
| Net loans and leases to total assets | 41.0228% | 6,559 |
| Net loans and leases to deposits | 60.0488% | 5,622 |
| Net loans and leases to core deposits | 61.6457% | 5,847 |
| Total domestic deposits to total assets | 68.3158% | 7,126 |
| Equity capital to assets | 9.5001% | 5,088 |
| Core capital (leverage) ratio | 8.4801% | 5,738 |
| Tier 1 risk-based capital ratio | 14.3300% | 4,105 |
| Total risk-based capital ratio | 15.1557% | 4,378 |
| Memoranda: | ||
| Average total assets | $164,376,500 | 3,598 |
| Average earning assets | $151,406,500 | 3,579 |
| Average equity | $15,354,750 | 3,849 |
| Average total loans | $73,199,000 | 4,411 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 4,977 |
| Cost of funding earning assets | 0.6217% | 6,356 |
| Net interest margin | 3.9751% | 2,968 |
| Noninterest income to average assets | 0.6053% | 3,098 |
| Noninterest expense to average assets | 2.8335% | 4,298 |
| Loan and lease loss provision to assets | 0.0594% | 5,565 |
| Net operating income to assets | 1.3691% | 1,151 |
| Return on assets (ROA) | 1.3716% | 1,215 |
| Pretax return on assets | 1.3716% | 1,889 |
| Return on Equity (ROE) | 14.7723% | 839 |
| Retained earnings to average equity (ytd only) | 3.0398% | 4,344 |
| Net charge-offs to loans | -0.0190% | 6,809 |
| Credit loss provision to net charge-offs | -685.7143% | 6,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4827% | 4,778 |
| Assets per employee ($millions) | 4.2075% | 3,334 |
| Cash dividends to net income (ytd only)* | 79.4224% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 5,979 |
| Loan loss allowance to noncurrent loans | 46.8585% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 1.0378% | 4,810 |
| Noncurrent loans to loans | 2.3370% | 3,053 |
| Net loans and leases to total assets | 43.9223% | 6,444 |
| Net loans and leases to deposits | 61.2850% | 5,578 |
| Net loans and leases to core deposits | 62.7540% | 5,828 |
| Total domestic deposits to total assets | 71.6689% | 7,030 |
| Equity capital to assets | 9.7226% | 4,507 |
| Core capital (leverage) ratio | 8.3871% | 5,728 |
| Tier 1 risk-based capital ratio | 14.0098% | 4,168 |
| Total risk-based capital ratio | 14.8167% | 4,456 |
| Memoranda: | ||
| Average total assets | $161,569,000 | 3,661 |
| Average earning assets | $148,623,670 | 3,644 |
| Average equity | $15,001,000 | 3,902 |
| Average total loans | $73,695,000 | 4,437 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 5,218 |
| Cost of funding earning assets | 0.6408% | 6,427 |
| Net interest margin | 3.8961% | 3,158 |
| Noninterest income to average assets | 0.5988% | 3,173 |
| Noninterest expense to average assets | 2.8495% | 4,269 |
| Loan and lease loss provision to assets | 0.0599% | 5,252 |
| Net operating income to assets | 1.2850% | 1,306 |
| Return on assets (ROA) | 1.2850% | 1,354 |
| Pretax return on assets | 1.2850% | 2,084 |
| Return on Equity (ROE) | 14.1829% | 954 |
| Retained earnings to average equity (ytd only) | -3.3048% | 6,331 |
| Net charge-offs to loans | -0.0324% | 6,737 |
| Credit loss provision to net charge-offs | -400.0000% | 5,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9358% | 4,664 |
| Assets per employee ($millions) | 4.2199% | 3,421 |
| Cash dividends to net income (ytd only)* | 123.3010% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 6,234 |
| Loan loss allowance to noncurrent loans | 47.6572% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9856% | 4,937 |
| Noncurrent loans to loans | 2.1948% | 3,326 |
| Net loans and leases to total assets | 44.4348% | 6,438 |
| Net loans and leases to deposits | 60.0752% | 5,721 |
| Net loans and leases to core deposits | 61.3195% | 5,990 |
| Total domestic deposits to total assets | 73.9652% | 6,908 |
| Equity capital to assets | 8.9248% | 5,314 |
| Core capital (leverage) ratio | 8.3178% | 5,780 |
| Tier 1 risk-based capital ratio | 13.6096% | 4,351 |
| Total risk-based capital ratio | 14.3885% | 4,700 |
| Memoranda: | ||
| Average total assets | $160,307,500 | 3,705 |
| Average earning assets | $147,944,500 | 3,679 |
| Average equity | $14,524,500 | 3,990 |
| Average total loans | $74,107,000 | 4,459 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 5,893 |
| Cost of funding earning assets | 0.8940% | 6,191 |
| Net interest margin | 3.7772% | 4,045 |
| Noninterest income to average assets | 0.6278% | 3,302 |
| Noninterest expense to average assets | 2.6850% | 5,054 |
| Loan and lease loss provision to assets | 0.2730% | 4,618 |
| Net operating income to assets | 1.1563% | 1,523 |
| Return on assets (ROA) | 1.2507% | 1,365 |
| Pretax return on assets | 1.2507% | 2,078 |
| Return on Equity (ROE) | 13.7135% | 944 |
| Retained earnings to average equity (ytd only) | 4.8223% | 2,528 |
| Net charge-offs to loans | 0.6371% | 3,109 |
| Credit loss provision to net charge-offs | 90.4762% | 5,113 |
| Earnings coverage of net charge-offs (x) | 4.7371% | 2,824 |
| Efficiency ratio | 65.2596% | 5,118 |
| Assets per employee ($millions) | 3.9010% | 4,001 |
| Cash dividends to net income (ytd only)* | 64.8352% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 6,392 |
| Loan loss allowance to noncurrent loans | 42.5057% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 1.1202% | 4,772 |
| Noncurrent loans to loans | 2.3522% | 3,168 |
| Net loans and leases to total assets | 47.1478% | 6,464 |
| Net loans and leases to deposits | 65.1624% | 5,499 |
| Net loans and leases to core deposits | 66.4652% | 5,833 |
| Total domestic deposits to total assets | 72.3543% | 7,052 |
| Equity capital to assets | 9.2035% | 4,838 |
| Core capital (leverage) ratio | 8.4521% | 5,445 |
| Tier 1 risk-based capital ratio | 13.9230% | 3,918 |
| Total risk-based capital ratio | 14.6821% | 4,234 |
| Memoranda: | ||
| Average total assets | $160,074,600 | 3,696 |
| Average earning assets | $147,754,800 | 3,669 |
| Average equity | $14,598,800 | 4,013 |
| Average total loans | $75,816,800 | 4,460 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 6,076 |
| Cost of funding earning assets | 0.9276% | 6,279 |
| Net interest margin | 3.7589% | 4,149 |
| Noninterest income to average assets | 0.6291% | 3,262 |
| Noninterest expense to average assets | 2.7000% | 4,878 |
| Loan and lease loss provision to assets | 0.0993% | 6,029 |
| Net operating income to assets | 1.2978% | 1,341 |
| Return on assets (ROA) | 1.4228% | 1,137 |
| Pretax return on assets | 1.4228% | 1,817 |
| Return on Equity (ROE) | 15.6358% | 756 |
| Retained earnings to average equity (ytd only) | 3.8294% | 3,762 |
| Net charge-offs to loans | -0.0088% | 7,256 |
| Credit loss provision to net charge-offs | -2,400.0000% | 7,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8990% | 4,882 |
| Assets per employee ($millions) | 4.1982% | 3,446 |
| Cash dividends to net income (ytd only)* | 75.5090% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 5,203 |
| Loan loss allowance to noncurrent loans | 50.7214% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 1.1006% | 4,911 |
| Noncurrent loans to loans | 2.4730% | 3,150 |
| Net loans and leases to total assets | 43.9461% | 6,849 |
| Net loans and leases to deposits | 61.6233% | 6,157 |
| Net loans and leases to core deposits | 62.8935% | 6,384 |
| Total domestic deposits to total assets | 71.3140% | 7,196 |
| Equity capital to assets | 9.2593% | 5,212 |
| Core capital (leverage) ratio | 8.3044% | 5,866 |
| Tier 1 risk-based capital ratio | 13.5556% | 4,159 |
| Total risk-based capital ratio | 14.4841% | 4,372 |
| Memoranda: | ||
| Average total assets | $161,083,500 | 3,738 |
| Average earning assets | $148,621,000 | 3,709 |
| Average equity | $14,658,250 | 4,064 |
| Average total loans | $76,193,000 | 4,519 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7412% | 6,006 |
| Cost of funding earning assets | 0.9685% | 6,297 |
| Net interest margin | 3.7726% | 4,034 |
| Noninterest income to average assets | 0.6342% | 3,102 |
| Noninterest expense to average assets | 2.7365% | 4,752 |
| Loan and lease loss provision to assets | 0.0449% | 6,520 |
| Net operating income to assets | 1.3346% | 1,231 |
| Return on assets (ROA) | 1.4794% | 1,006 |
| Pretax return on assets | 1.4794% | 1,616 |
| Return on Equity (ROE) | 16.3550% | 654 |
| Retained earnings to average equity (ytd only) | 3.9335% | 3,580 |
| Net charge-offs to loans | -0.0103% | 7,196 |
| Credit loss provision to net charge-offs | -900.0000% | 6,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4847% | 4,884 |
| Assets per employee ($millions) | 4.0153% | 3,744 |
| Cash dividends to net income (ytd only)* | 75.9494% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 6,008 |
| Loan loss allowance to noncurrent loans | 45.3253% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 1.1388% | 4,854 |
| Noncurrent loans to loans | 2.3971% | 3,263 |
| Net loans and leases to total assets | 46.9893% | 6,708 |
| Net loans and leases to deposits | 64.8836% | 5,925 |
| Net loans and leases to core deposits | 67.5631% | 6,096 |
| Total domestic deposits to total assets | 72.4209% | 7,145 |
| Equity capital to assets | 9.2870% | 5,022 |
| Core capital (leverage) ratio | 8.1308% | 6,065 |
| Tier 1 risk-based capital ratio | 12.9941% | 4,449 |
| Total risk-based capital ratio | 13.8097% | 4,784 |
| Memoranda: | ||
| Average total assets | $160,202,000 | 3,789 |
| Average earning assets | $147,853,670 | 3,742 |
| Average equity | $14,491,000 | 4,087 |
| Average total loans | $77,302,000 | 4,530 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 6,036 |
| Cost of funding earning assets | 1.0033% | 6,362 |
| Net interest margin | 3.7565% | 3,971 |
| Noninterest income to average assets | 0.6350% | 3,044 |
| Noninterest expense to average assets | 2.7725% | 4,597 |
| Loan and lease loss provision to assets | 0.0450% | 6,222 |
| Net operating income to assets | 1.2900% | 1,322 |
| Return on assets (ROA) | 1.5800% | 836 |
| Pretax return on assets | 1.5800% | 1,314 |
| Return on Equity (ROE) | 17.7049% | 542 |
| Retained earnings to average equity (ytd only) | -1.9050% | 6,200 |
| Net charge-offs to loans | -0.0154% | 7,005 |
| Credit loss provision to net charge-offs | -600.0000% | 6,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4985% | 4,818 |
| Assets per employee ($millions) | 4.1406% | 3,579 |
| Cash dividends to net income (ytd only)* | 110.7595% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 6,220 |
| Loan loss allowance to noncurrent loans | 43.6422% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 4,867 |
| Noncurrent loans to loans | 2.4088% | 3,268 |
| Net loans and leases to total assets | 47.2127% | 6,738 |
| Net loans and leases to deposits | 65.3728% | 5,890 |
| Net loans and leases to core deposits | 68.1587% | 6,084 |
| Total domestic deposits to total assets | 72.2208% | 7,241 |
| Equity capital to assets | 8.8678% | 5,452 |
| Core capital (leverage) ratio | 8.0258% | 6,199 |
| Tier 1 risk-based capital ratio | 12.6745% | 4,581 |
| Total risk-based capital ratio | 13.4731% | 4,946 |
| Memoranda: | ||
| Average total assets | $159,997,500 | 3,846 |
| Average earning assets | $147,905,000 | 3,803 |
| Average equity | $14,278,500 | 4,170 |
| Average total loans | $77,803,500 | 4,584 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0886% | 6,132 |
| Cost of funding earning assets | 1.2418% | 6,498 |
| Net interest margin | 3.8468% | 3,501 |
| Noninterest income to average assets | 0.6756% | 3,112 |
| Noninterest expense to average assets | 2.8933% | 4,555 |
| Loan and lease loss provision to assets | 0.0522% | 7,044 |
| Net operating income to assets | 1.2634% | 1,106 |
| Return on assets (ROA) | 1.3743% | 944 |
| Pretax return on assets | 1.3743% | 1,493 |
| Return on Equity (ROE) | 15.9900% | 558 |
| Retained earnings to average equity (ytd only) | 10.2271% | 349 |
| Net charge-offs to loans | 0.0678% | 6,435 |
| Credit loss provision to net charge-offs | 149.0566% | 3,123 |
| Earnings coverage of net charge-offs (x) | 37.5849% | 634 |
| Efficiency ratio | 68.7431% | 4,870 |
| Assets per employee ($millions) | 3.9628% | 3,894 |
| Cash dividends to net income (ytd only)* | 36.0404% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 6,352 |
| Loan loss allowance to noncurrent loans | 41.9235% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1873% | 4,728 |
| Noncurrent loans to loans | 2.3957% | 3,167 |
| Net loans and leases to total assets | 49.0609% | 6,724 |
| Net loans and leases to deposits | 67.3593% | 5,903 |
| Net loans and leases to core deposits | 78.6956% | 6,201 |
| Total domestic deposits to total assets | 72.8347% | 7,171 |
| Equity capital to assets | 8.9817% | 5,174 |
| Core capital (leverage) ratio | 8.2515% | 5,721 |
| Tier 1 risk-based capital ratio | 12.6189% | 4,425 |
| Total risk-based capital ratio | 13.3893% | 4,786 |
| Memoranda: | ||
| Average total assets | $151,420,800 | 3,934 |
| Average earning assets | $139,076,800 | 3,922 |
| Average equity | $13,014,400 | 4,507 |
| Average total loans | $78,131,200 | 4,580 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1179% | 6,206 |
| Cost of funding earning assets | 1.2768% | 6,635 |
| Net interest margin | 3.8411% | 3,472 |
| Noninterest income to average assets | 0.6736% | 3,190 |
| Noninterest expense to average assets | 2.9669% | 4,178 |
| Loan and lease loss provision to assets | 0.0481% | 6,889 |
| Net operating income to assets | 1.1805% | 1,513 |
| Return on assets (ROA) | 1.3302% | 1,219 |
| Pretax return on assets | 1.3302% | 1,875 |
| Return on Equity (ROE) | 15.6634% | 695 |
| Retained earnings to average equity (ytd only) | 7.7949% | 1,202 |
| Net charge-offs to loans | 0.0872% | 5,817 |
| Credit loss provision to net charge-offs | 105.8824% | 4,804 |
| Earnings coverage of net charge-offs (x) | 27.0385% | 1,006 |
| Efficiency ratio | 70.7157% | 4,467 |
| Assets per employee ($millions) | 3.8848% | 3,979 |
| Cash dividends to net income (ytd only)* | 50.2346% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 6,415 |
| Loan loss allowance to noncurrent loans | 40.1468% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 1.2594% | 4,546 |
| Noncurrent loans to loans | 2.4291% | 3,101 |
| Net loans and leases to total assets | 51.3392% | 6,672 |
| Net loans and leases to deposits | 71.3295% | 5,759 |
| Net loans and leases to core deposits | 85.5339% | 5,913 |
| Total domestic deposits to total assets | 71.9747% | 7,217 |
| Equity capital to assets | 9.0188% | 5,455 |
| Core capital (leverage) ratio | 8.1269% | 6,141 |
| Tier 1 risk-based capital ratio | 12.2519% | 4,744 |
| Total risk-based capital ratio | 13.0128% | 5,131 |
| Memoranda: | ||
| Average total assets | $149,648,250 | 3,985 |
| Average earning assets | $137,215,250 | 3,983 |
| Average equity | $12,708,750 | 4,600 |
| Average total loans | $78,025,000 | 4,622 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1386% | 6,287 |
| Cost of funding earning assets | 1.3063% | 6,783 |
| Net interest margin | 3.8323% | 3,404 |
| Noninterest income to average assets | 0.6361% | 3,437 |
| Noninterest expense to average assets | 2.9712% | 4,202 |
| Loan and lease loss provision to assets | 0.0483% | 6,751 |
| Net operating income to assets | 1.1206% | 1,699 |
| Return on assets (ROA) | 1.2897% | 1,341 |
| Pretax return on assets | 1.2897% | 2,053 |
| Return on Equity (ROE) | 15.5121% | 755 |
| Retained earnings to average equity (ytd only) | 9.4590% | 823 |
| Net charge-offs to loans | 0.0437% | 5,855 |
| Credit loss provision to net charge-offs | 211.7647% | 2,166 |
| Earnings coverage of net charge-offs (x) | 51.2353% | 674 |
| Efficiency ratio | 71.7666% | 4,460 |
| Assets per employee ($millions) | 3.7830% | 4,140 |
| Cash dividends to net income (ytd only)* | 39.0219% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 6,339 |
| Loan loss allowance to noncurrent loans | 39.5949% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3052% | 4,334 |
| Noncurrent loans to loans | 2.4943% | 2,905 |
| Net loans and leases to total assets | 51.8084% | 6,705 |
| Net loans and leases to deposits | 71.2130% | 5,847 |
| Net loans and leases to core deposits | 84.1495% | 6,079 |
| Total domestic deposits to total assets | 72.7513% | 7,146 |
| Equity capital to assets | 8.3518% | 6,263 |
| Core capital (leverage) ratio | 7.9812% | 6,367 |
| Tier 1 risk-based capital ratio | 12.2450% | 4,724 |
| Total risk-based capital ratio | 13.0313% | 5,036 |
| Memoranda: | ||
| Average total assets | $149,029,000 | 4,011 |
| Average earning assets | $136,262,330 | 4,021 |
| Average equity | $12,390,330 | 4,714 |
| Average total loans | $77,850,670 | 4,662 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1895% | 6,337 |
| Cost of funding earning assets | 1.3346% | 6,919 |
| Net interest margin | 3.8549% | 3,230 |
| Noninterest income to average assets | 0.5924% | 3,605 |
| Noninterest expense to average assets | 2.8266% | 4,439 |
| Loan and lease loss provision to assets | 0.0487% | 6,361 |
| Net operating income to assets | 1.2172% | 1,610 |
| Return on assets (ROA) | 1.2821% | 1,525 |
| Pretax return on assets | 1.2821% | 2,340 |
| Return on Equity (ROE) | 15.4567% | 898 |
| Retained earnings to average equity (ytd only) | 4.0435% | 3,650 |
| Net charge-offs to loans | 0.0985% | 4,190 |
| Credit loss provision to net charge-offs | 94.7368% | 3,899 |
| Earnings coverage of net charge-offs (x) | 24.6316% | 1,233 |
| Efficiency ratio | 69.0681% | 4,767 |
| Assets per employee ($millions) | 3.6610% | 4,424 |
| Cash dividends to net income (ytd only)* | 73.8397% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 6,329 |
| Loan loss allowance to noncurrent loans | 36.8650% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 1.3771% | 3,896 |
| Noncurrent loans to loans | 2.6525% | 2,474 |
| Net loans and leases to total assets | 51.4080% | 6,742 |
| Net loans and leases to deposits | 69.3699% | 6,039 |
| Net loans and leases to core deposits | 81.2186% | 6,295 |
| Total domestic deposits to total assets | 74.1071% | 6,870 |
| Equity capital to assets | 8.2657% | 6,435 |
| Core capital (leverage) ratio | 7.8894% | 6,636 |
| Tier 1 risk-based capital ratio | 11.6927% | 5,214 |
| Total risk-based capital ratio | 12.4531% | 5,611 |
| Memoranda: | ||
| Average total assets | $147,883,000 | 4,048 |
| Average earning assets | $134,272,000 | 4,067 |
| Average equity | $12,266,500 | 4,763 |
| Average total loans | $77,186,500 | 4,717 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6671% | 6,877 |
| Cost of funding earning assets | 1.7304% | 7,184 |
| Net interest margin | 3.9367% | 3,416 |
| Noninterest income to average assets | 0.7084% | 3,069 |
| Noninterest expense to average assets | 2.9554% | 4,240 |
| Loan and lease loss provision to assets | 0.0650% | 6,578 |
| Net operating income to assets | 1.2166% | 1,723 |
| Return on assets (ROA) | 1.3904% | 1,200 |
| Pretax return on assets | 1.3904% | 2,000 |
| Return on Equity (ROE) | 16.6716% | 675 |
| Retained earnings to average equity (ytd only) | 2.7494% | 3,468 |
| Net charge-offs to loans | 0.0243% | 6,507 |
| Credit loss provision to net charge-offs | 494.4444% | 884 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 443 |
| Efficiency ratio | 69.7518% | 4,394 |
| Assets per employee ($millions) | 3.7349% | 4,095 |
| Cash dividends to net income (ytd only)* | 83.5084% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 6,076 |
| Loan loss allowance to noncurrent loans | 36.3680% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 1.4403% | 3,330 |
| Noncurrent loans to loans | 2.7444% | 1,976 |
| Net loans and leases to total assets | 51.9576% | 6,849 |
| Net loans and leases to deposits | 69.2358% | 6,346 |
| Net loans and leases to core deposits | 80.3480% | 6,591 |
| Total domestic deposits to total assets | 75.0445% | 6,444 |
| Equity capital to assets | 8.3247% | 6,384 |
| Core capital (leverage) ratio | 8.1061% | 6,315 |
| Tier 1 risk-based capital ratio | 12.0747% | 4,764 |
| Total risk-based capital ratio | 12.8694% | 5,028 |
| Memoranda: | ||
| Average total assets | $136,936,200 | 4,143 |
| Average earning assets | $122,743,800 | 4,197 |
| Average equity | $11,420,600 | 4,995 |
| Average total loans | $74,138,400 | 4,733 |