Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9557% | 673 |
| Cost of funding earning assets | 2.1501% | 699 |
| Net interest margin | 3.8056% | 1,557 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.6957% | 1,741 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.1167% | 1,872 |
| Return on assets (ROA) | 1.2752% | 1,453 |
| Pretax return on assets | 1.2752% | 1,944 |
| Return on Equity (ROE) | 13.4900% | 1,604 |
| Retained earnings to average equity (ytd only) | 8.1467% | 1,490 |
| Net charge-offs to loans | 0.0152% | 2,096 |
| Credit loss provision to net charge-offs | 1,065.2174% | 391 |
| Earnings coverage of net charge-offs (x) | 98.2174% | 912 |
| Efficiency ratio | 68.2769% | 2,078 |
| Assets per employee ($millions) | 6.0025% | 2,823 |
| Cash dividends to net income (ytd only)* | 39.6087% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,035 |
| Loan loss allowance to noncurrent loans | 457.0605% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 2,291 |
| Noncurrent loans to loans | 0.2313% | 2,388 |
| Net loans and leases to total assets | 79.7700% | 666 |
| Net loans and leases to deposits | 88.9153% | 1,346 |
| Net loans and leases to core deposits | 160.3580% | 153 |
| Total domestic deposits to total assets | 89.7200% | 837 |
| Equity capital to assets | 9.7734% | 2,147 |
| Core capital (leverage) ratio | 9.9500% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $180,359,200 | 3,127 |
| Average earning assets | $172,457,200 | 3,076 |
| Average equity | $17,049,800 | 3,090 |
| Average total loans | $151,318,600 | 2,664 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7826% | 707 |
| Cost of funding earning assets | 1.9758% | 732 |
| Net interest margin | 3.8068% | 1,580 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.6140% | 1,902 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.1900% | 1,824 |
| Return on assets (ROA) | 1.1900% | 1,810 |
| Pretax return on assets | 1.1900% | 2,324 |
| Return on Equity (ROE) | 12.7000% | 1,957 |
| Retained earnings to average equity (ytd only) | 5.4554% | 2,795 |
| Net charge-offs to loans | 0.0132% | 1,924 |
| Credit loss provision to net charge-offs | 1,300.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 119.4667% | 844 |
| Efficiency ratio | 66.1887% | 2,254 |
| Assets per employee ($millions) | 5.8529% | 2,885 |
| Cash dividends to net income (ytd only)* | 57.0445% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 3,193 |
| 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 | 81.4800% | 482 |
| Net loans and leases to deposits | 90.6655% | 1,183 |
| Net loans and leases to core deposits | 153.1323% | 134 |
| Total domestic deposits to total assets | 89.8700% | 977 |
| Equity capital to assets | 9.5790% | 2,052 |
| Core capital (leverage) ratio | 9.7354% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $178,930,000 | 3,141 |
| Average earning assets | $171,129,250 | 3,091 |
| Average equity | $16,765,750 | 3,098 |
| Average total loans | $151,642,500 | 2,668 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4950% | 836 |
| Cost of funding earning assets | 1.7867% | 754 |
| Net interest margin | 3.7084% | 1,800 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.5975% | 1,936 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.1331% | 2,027 |
| Return on assets (ROA) | 1.1331% | 2,023 |
| Pretax return on assets | 1.1331% | 2,555 |
| Return on Equity (ROE) | 12.1900% | 2,097 |
| Retained earnings to average equity (ytd only) | 2.8138% | 3,533 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.1993% | 2,082 |
| Assets per employee ($millions) | 5.3087% | 3,321 |
| Cash dividends to net income (ytd only)* | 76.9078% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 3,450 |
| 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 | 84.3900% | 247 |
| Net loans and leases to deposits | 97.4684% | 645 |
| Net loans and leases to core deposits | 149.8819% | 147 |
| Total domestic deposits to total assets | 86.5900% | 2,061 |
| Equity capital to assets | 9.6178% | 2,084 |
| Core capital (leverage) ratio | 9.9945% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $178,093,667 | 3,150 |
| Average earning assets | $170,372,000 | 3,102 |
| Average equity | $16,561,000 | 3,138 |
| Average total loans | $152,395,333 | 2,653 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 1,085 |
| Cost of funding earning assets | 1.6295% | 661 |
| Net interest margin | 3.4728% | 2,445 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.4216% | 2,464 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.0671% | 2,327 |
| Return on assets (ROA) | 1.0560% | 2,332 |
| Pretax return on assets | 1.0560% | 2,843 |
| Return on Equity (ROE) | 11.5500% | 2,337 |
| Retained earnings to average equity (ytd only) | -4.0690% | 4,293 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.4425% | 2,161 |
| Assets per employee ($millions) | 5.6801% | 3,041 |
| Cash dividends to net income (ytd only)* | 135.2321% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 3,784 |
| Loan loss allowance to noncurrent loans | 14.7592% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 5.3454% | 15 |
| Noncurrent loans to loans | 6.2784% | 39 |
| Net loans and leases to total assets | 84.3500% | 212 |
| Net loans and leases to deposits | 92.9488% | 855 |
| Net loans and leases to core deposits | 125.1870% | 342 |
| Total domestic deposits to total assets | 90.7500% | 889 |
| Equity capital to assets | 9.0172% | 2,506 |
| Core capital (leverage) ratio | 9.3635% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $179,547,500 | 3,180 |
| Average earning assets | $172,079,500 | 3,128 |
| Average equity | $16,417,000 | 3,181 |
| Average total loans | $153,928,500 | 2,671 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 1,282 |
| Cost of funding earning assets | 0.6810% | 639 |
| Net interest margin | 3.5025% | 1,925 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.5771% | 1,887 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 0.9828% | 2,630 |
| Return on assets (ROA) | 0.9864% | 2,569 |
| Pretax return on assets | 0.9864% | 3,111 |
| Return on Equity (ROE) | 10.6300% | 2,600 |
| Retained earnings to average equity (ytd only) | 7.8996% | 1,874 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.7404% | 1,996 |
| Assets per employee ($millions) | 5.7204% | 3,013 |
| Cash dividends to net income (ytd only)* | 25.6970% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 3,809 |
| 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 | 85.5700% | 180 |
| Net loans and leases to deposits | 96.1475% | 629 |
| Net loans and leases to core deposits | 125.3231% | 285 |
| Total domestic deposits to total assets | 89.0000% | 1,719 |
| Equity capital to assets | 9.2730% | 2,176 |
| Core capital (leverage) ratio | 9.5048% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $167,280,200 | 3,288 |
| Average earning assets | $159,172,000 | 3,254 |
| Average equity | $15,519,800 | 3,322 |
| Average total loans | $131,146,800 | 2,816 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 1,418 |
| Cost of funding earning assets | 0.5201% | 678 |
| Net interest margin | 3.4066% | 1,953 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.5134% | 1,981 |
| Loan and lease loss provision to assets | 0.3000% | 236 |
| Net operating income to assets | 0.7857% | 3,314 |
| Return on assets (ROA) | 0.7890% | 3,253 |
| Pretax return on assets | 0.7890% | 3,612 |
| Return on Equity (ROE) | 8.5000% | 3,177 |
| Retained earnings to average equity (ytd only) | 6.2615% | 2,646 |
| Net charge-offs to loans | 0.0011% | 2,284 |
| Credit loss provision to net charge-offs | 37,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 1,341.0000% | 96 |
| Efficiency ratio | 69.8448% | 1,781 |
| Assets per employee ($millions) | 5.2359% | 3,470 |
| Cash dividends to net income (ytd only)* | 26.3590% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 3,836 |
| 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 | 83.9800% | 245 |
| Net loans and leases to deposits | 92.9842% | 702 |
| Net loans and leases to core deposits | 119.8234% | 260 |
| Total domestic deposits to total assets | 90.3100% | 1,521 |
| Equity capital to assets | 9.1871% | 2,098 |
| Core capital (leverage) ratio | 9.4837% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $164,767,250 | 3,331 |
| Average earning assets | $156,122,500 | 3,302 |
| Average equity | $15,288,750 | 3,384 |
| Average total loans | $125,657,500 | 2,874 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 1,559 |
| Cost of funding earning assets | 0.4342% | 750 |
| Net interest margin | 3.2567% | 2,037 |
| Noninterest income to average assets | 0.3714% | 2,919 |
| Noninterest expense to average assets | 2.5022% | 1,921 |
| Loan and lease loss provision to assets | 0.3813% | 151 |
| Net operating income to assets | 0.5602% | 3,732 |
| Return on assets (ROA) | 0.5639% | 3,668 |
| Pretax return on assets | 0.5639% | 3,882 |
| Return on Equity (ROE) | 6.0555% | 3,558 |
| Retained earnings to average equity (ytd only) | 4.4124% | 2,918 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6621% | 1,672 |
| Assets per employee ($millions) | 5.6225% | 3,110 |
| Cash dividends to net income (ytd only)* | 27.1335% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 3,880 |
| Loan loss allowance to noncurrent loans | 42,133.3333% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,061 |
| Noncurrent loans to loans | 0.0022% | 3,999 |
| Net loans and leases to total assets | 77.7235% | 572 |
| Net loans and leases to deposits | 87.4626% | 879 |
| Net loans and leases to core deposits | 114.4338% | 274 |
| Total domestic deposits to total assets | 88.8649% | 2,239 |
| Equity capital to assets | 8.9526% | 2,410 |
| Core capital (leverage) ratio | 9.2493% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,094,333 | 3,391 |
| Average earning assets | $152,914,000 | 3,367 |
| Average equity | $15,093,667 | 3,481 |
| Average total loans | $118,735,667 | 2,962 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5513% | 1,641 |
| Cost of funding earning assets | 0.3496% | 1,203 |
| Net interest margin | 3.2017% | 1,877 |
| Noninterest income to average assets | 0.3641% | 2,909 |
| Noninterest expense to average assets | 2.4796% | 1,933 |
| Loan and lease loss provision to assets | 0.2692% | 233 |
| Net operating income to assets | 0.5975% | 3,402 |
| Return on assets (ROA) | 0.6205% | 3,309 |
| Pretax return on assets | 0.6205% | 3,578 |
| Return on Equity (ROE) | 6.5236% | 3,189 |
| Retained earnings to average equity (ytd only) | 6.5236% | 2,068 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0996% | 1,732 |
| Assets per employee ($millions) | 5.2971% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 4,091 |
| Loan loss allowance to noncurrent loans | 10,600.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,029 |
| Noncurrent loans to loans | 0.0083% | 3,964 |
| Net loans and leases to total assets | 72.6288% | 780 |
| Net loans and leases to deposits | 81.8979% | 1,020 |
| Net loans and leases to core deposits | 94.9546% | 692 |
| Total domestic deposits to total assets | 88.6821% | 2,215 |
| Equity capital to assets | 9.0233% | 2,690 |
| Core capital (leverage) ratio | 9.7024% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,993,500 | 3,463 |
| Average earning assets | $145,299,500 | 3,460 |
| Average equity | $14,838,500 | 3,575 |
| Average total loans | $109,737,000 | 3,067 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6517% | 2,250 |
| Cost of funding earning assets | 0.3878% | 1,627 |
| Net interest margin | 3.2638% | 2,427 |
| Noninterest income to average assets | 0.2932% | 3,647 |
| Noninterest expense to average assets | 2.6232% | 1,814 |
| Loan and lease loss provision to assets | 0.0021% | 3,035 |
| Net operating income to assets | 0.7425% | 3,510 |
| Return on assets (ROA) | 0.7903% | 3,430 |
| Pretax return on assets | 0.7903% | 3,748 |
| Return on Equity (ROE) | 7.7874% | 3,284 |
| Retained earnings to average equity (ytd only) | 6.0865% | 2,325 |
| Net charge-offs to loans | -0.0405% | 4,230 |
| Credit loss provision to net charge-offs | -8.1081% | 3,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8921% | 955 |
| Assets per employee ($millions) | 4.9259% | 3,802 |
| Cash dividends to net income (ytd only)* | 21.8421% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 66.4483% | 1,425 |
| Net loans and leases to deposits | 76.0166% | 1,564 |
| Net loans and leases to core deposits | 88.5390% | 1,042 |
| Total domestic deposits to total assets | 87.4129% | 2,329 |
| Equity capital to assets | 10.0556% | 2,604 |
| Core capital (leverage) ratio | 10.3129% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,248,800 | 3,542 |
| Average earning assets | $135,883,000 | 3,524 |
| Average equity | $14,639,000 | 3,673 |
| Average total loans | $91,331,400 | 3,320 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7174% | 2,227 |
| Cost of funding earning assets | 0.4005% | 1,693 |
| Net interest margin | 3.3168% | 2,366 |
| Noninterest income to average assets | 0.2948% | 3,683 |
| Noninterest expense to average assets | 2.5863% | 1,881 |
| Loan and lease loss provision to assets | 0.0028% | 2,913 |
| Net operating income to assets | 0.8249% | 3,455 |
| Return on assets (ROA) | 0.8835% | 3,371 |
| Pretax return on assets | 0.8835% | 3,731 |
| Return on Equity (ROE) | 8.6852% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.5425% | 2,207 |
| Net charge-offs to loans | 0.0030% | 2,242 |
| Credit loss provision to net charge-offs | 150.0000% | 1,357 |
| Earnings coverage of net charge-offs (x) | 445.0000% | 330 |
| Efficiency ratio | 75.7559% | 1,051 |
| Assets per employee ($millions) | 4.5802% | 4,064 |
| Cash dividends to net income (ytd only)* | 13.1579% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 3,946 |
| Loan loss allowance to noncurrent loans | 45.7314% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.4577% | 347 |
| Noncurrent loans to loans | 2.1176% | 403 |
| Net loans and leases to total assets | 68.1724% | 1,300 |
| Net loans and leases to deposits | 78.9963% | 1,386 |
| Net loans and leases to core deposits | 87.8140% | 1,163 |
| Total domestic deposits to total assets | 86.2983% | 2,639 |
| Equity capital to assets | 10.8394% | 2,138 |
| Core capital (leverage) ratio | 10.9285% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,366,500 | 3,588 |
| Average earning assets | $134,823,750 | 3,569 |
| Average equity | $14,583,750 | 3,728 |
| Average total loans | $89,376,500 | 3,387 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6067% | 2,600 |
| Cost of funding earning assets | 0.4126% | 1,780 |
| Net interest margin | 3.1942% | 2,771 |
| Noninterest income to average assets | 0.2876% | 3,704 |
| Noninterest expense to average assets | 2.4919% | 2,172 |
| Loan and lease loss provision to assets | 0.0014% | 2,844 |
| Net operating income to assets | 0.8091% | 3,481 |
| Return on assets (ROA) | 0.8875% | 3,330 |
| Pretax return on assets | 0.8875% | 3,685 |
| Return on Equity (ROE) | 8.9086% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.1822% | 2,362 |
| Net charge-offs to loans | 0.0046% | 1,985 |
| Credit loss provision to net charge-offs | 50.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 294.5000% | 379 |
| Efficiency ratio | 75.4583% | 1,132 |
| Assets per employee ($millions) | 4.2383% | 4,302 |
| Cash dividends to net income (ytd only)* | 19.3798% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 3,968 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.5481% | 1,254 |
| Net loans and leases to deposits | 80.8534% | 1,346 |
| Net loans and leases to core deposits | 90.4155% | 1,111 |
| Total domestic deposits to total assets | 86.0175% | 2,735 |
| Equity capital to assets | 10.7641% | 2,175 |
| Core capital (leverage) ratio | 9.9195% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,353,333 | 3,574 |
| Average earning assets | $137,187,333 | 3,549 |
| Average equity | $14,480,333 | 3,742 |
| Average total loans | $87,639,000 | 3,432 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6850% | 2,399 |
| Cost of funding earning assets | 0.4054% | 2,051 |
| Net interest margin | 3.2796% | 2,445 |
| Noninterest income to average assets | 0.2876% | 3,685 |
| Noninterest expense to average assets | 2.3007% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1104% | 2,437 |
| Return on assets (ROA) | 1.1370% | 2,437 |
| Pretax return on assets | 1.1370% | 3,023 |
| Return on Equity (ROE) | 11.8438% | 2,074 |
| Retained earnings to average equity (ytd only) | 11.8438% | 1,190 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4473% | 2,012 |
| Assets per employee ($millions) | 5.0795% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,852 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.8171% | 3,730 |
| Net loans and leases to deposits | 55.5344% | 3,829 |
| Net loans and leases to core deposits | 61.8767% | 3,581 |
| Total domestic deposits to total assets | 87.9043% | 1,893 |
| Equity capital to assets | 9.5869% | 3,122 |
| Core capital (leverage) ratio | 9.7254% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,216,500 | 3,527 |
| Average earning assets | $143,067,500 | 3,488 |
| Average equity | $14,421,000 | 3,754 |
| Average total loans | $83,838,500 | 3,496 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 1,337 |
| Cost of funding earning assets | 0.6438% | 2,039 |
| Net interest margin | 3.8469% | 1,365 |
| Noninterest income to average assets | 0.2932% | 3,725 |
| Noninterest expense to average assets | 3.7624% | 483 |
| Loan and lease loss provision to assets | 0.0892% | 3,246 |
| Net operating income to assets | 0.0946% | 4,675 |
| Return on assets (ROA) | 0.0919% | 4,710 |
| Pretax return on assets | 0.0919% | 4,707 |
| Return on Equity (ROE) | 1.0234% | 4,679 |
| Retained earnings to average equity (ytd only) | -3.2885% | 4,781 |
| Net charge-offs to loans | 0.1272% | 1,238 |
| Credit loss provision to net charge-offs | 106.4516% | 2,756 |
| Earnings coverage of net charge-offs (x) | 2.1935% | 3,186 |
| Efficiency ratio | 95.3441% | 240 |
| Assets per employee ($millions) | 5.2874% | 3,064 |
| Cash dividends to net income (ytd only)* | 421.3235% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 3,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 61.7752% | 2,635 |
| Net loans and leases to deposits | 69.7767% | 2,900 |
| Net loans and leases to core deposits | 77.8629% | 2,561 |
| Total domestic deposits to total assets | 88.5328% | 1,201 |
| Equity capital to assets | 9.6138% | 3,494 |
| Core capital (leverage) ratio | 9.6829% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,043,200 | 3,424 |
| Average earning assets | $140,581,200 | 3,377 |
| Average equity | $13,288,800 | 3,833 |
| Average total loans | $97,493,400 | 3,271 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5954% | 1,322 |
| Cost of funding earning assets | 0.7098% | 1,969 |
| Net interest margin | 3.8856% | 1,387 |
| Noninterest income to average assets | 0.2873% | 3,764 |
| Noninterest expense to average assets | 2.7019% | 2,245 |
| Loan and lease loss provision to assets | 0.1135% | 2,903 |
| Net operating income to assets | 1.1600% | 1,784 |
| Return on assets (ROA) | 1.1528% | 1,926 |
| Pretax return on assets | 1.1528% | 2,559 |
| Return on Equity (ROE) | 13.0748% | 1,091 |
| Retained earnings to average equity (ytd only) | 8.8766% | 1,019 |
| Net charge-offs to loans | 0.1674% | 880 |
| Credit loss provision to net charge-offs | 101.6129% | 2,612 |
| Earnings coverage of net charge-offs (x) | 11.4032% | 2,305 |
| Efficiency ratio | 67.9656% | 2,198 |
| Assets per employee ($millions) | 5.7542% | 2,493 |
| Cash dividends to net income (ytd only)* | 32.1094% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 3,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.1234% | 2,756 |
| Net loans and leases to deposits | 76.8427% | 2,673 |
| Net loans and leases to core deposits | 86.9662% | 2,238 |
| Total domestic deposits to total assets | 83.4476% | 3,010 |
| Equity capital to assets | 9.0502% | 4,077 |
| Core capital (leverage) ratio | 10.1996% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,042,000 | 3,416 |
| Average earning assets | $140,515,000 | 3,361 |
| Average equity | $13,052,750 | 3,861 |
| Average total loans | $98,773,750 | 3,261 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 1,563 |
| Cost of funding earning assets | 0.7775% | 1,951 |
| Net interest margin | 3.8634% | 1,657 |
| Noninterest income to average assets | 0.2956% | 3,701 |
| Noninterest expense to average assets | 2.6912% | 2,409 |
| Loan and lease loss provision to assets | 0.1695% | 2,310 |
| Net operating income to assets | 1.0995% | 1,967 |
| Return on assets (ROA) | 1.0887% | 2,131 |
| Pretax return on assets | 1.0887% | 2,746 |
| Return on Equity (ROE) | 12.4589% | 1,228 |
| Retained earnings to average equity (ytd only) | 6.0976% | 2,035 |
| Net charge-offs to loans | 0.2495% | 633 |
| Credit loss provision to net charge-offs | 100.8065% | 2,389 |
| Earnings coverage of net charge-offs (x) | 7.5484% | 2,357 |
| Efficiency ratio | 67.9562% | 2,237 |
| Assets per employee ($millions) | 5.4360% | 2,702 |
| Cash dividends to net income (ytd only)* | 51.0585% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 4,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 65.9113% | 2,641 |
| Net loans and leases to deposits | 78.4883% | 2,601 |
| Net loans and leases to core deposits | 91.3065% | 1,958 |
| Total domestic deposits to total assets | 83.9760% | 2,754 |
| Equity capital to assets | 8.6112% | 4,415 |
| Core capital (leverage) ratio | 9.5534% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,519,333 | 3,397 |
| Average earning assets | $139,929,667 | 3,348 |
| Average equity | $12,890,333 | 3,882 |
| Average total loans | $99,417,000 | 3,242 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 1,263 |
| Cost of funding earning assets | 0.8815% | 1,962 |
| Net interest margin | 3.9917% | 1,412 |
| Noninterest income to average assets | 0.3003% | 3,711 |
| Noninterest expense to average assets | 2.7691% | 2,518 |
| Loan and lease loss provision to assets | 0.3444% | 892 |
| Net operating income to assets | 0.9671% | 2,293 |
| Return on assets (ROA) | 0.9368% | 2,501 |
| Pretax return on assets | 0.9368% | 3,036 |
| Return on Equity (ROE) | 10.6400% | 1,522 |
| Retained earnings to average equity (ytd only) | 10.6400% | 623 |
| Net charge-offs to loans | 0.2721% | 536 |
| Credit loss provision to net charge-offs | 186.5672% | 1,458 |
| Earnings coverage of net charge-offs (x) | 7.1045% | 1,944 |
| Efficiency ratio | 67.8596% | 2,696 |
| Assets per employee ($millions) | 5.3849% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 3,830 |
| Loan loss allowance to noncurrent loans | 1,692.9825% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 4,419 |
| Noncurrent loans to loans | 0.0575% | 4,324 |
| Net loans and leases to total assets | 67.5122% | 2,613 |
| Net loans and leases to deposits | 77.1361% | 2,965 |
| Net loans and leases to core deposits | 89.8726% | 2,358 |
| Total domestic deposits to total assets | 87.5235% | 1,317 |
| Equity capital to assets | 8.9722% | 4,618 |
| Core capital (leverage) ratio | 10.0474% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,174,500 | 3,393 |
| Average earning assets | $137,485,500 | 3,347 |
| Average equity | $12,782,000 | 3,902 |
| Average total loans | $98,510,000 | 3,240 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8787% | 1,815 |
| Cost of funding earning assets | 0.8685% | 2,343 |
| Net interest margin | 4.0102% | 1,823 |
| Noninterest income to average assets | 0.2210% | 4,344 |
| Noninterest expense to average assets | 2.4895% | 3,480 |
| Loan and lease loss provision to assets | 0.0206% | 3,609 |
| Net operating income to assets | 1.5385% | 966 |
| Return on assets (ROA) | 1.8479% | 502 |
| Pretax return on assets | 1.8479% | 841 |
| Return on Equity (ROE) | 22.6771% | 125 |
| Retained earnings to average equity (ytd only) | 14.0037% | 123 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4915% | 3,453 |
| Assets per employee ($millions) | 5.3687% | 2,174 |
| Cash dividends to net income (ytd only)* | 38.2473% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 3,854 |
| Loan loss allowance to noncurrent loans | 714.1732% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 4,201 |
| Noncurrent loans to loans | 0.1297% | 3,999 |
| Net loans and leases to total assets | 66.9100% | 2,845 |
| Net loans and leases to deposits | 76.2692% | 3,153 |
| Net loans and leases to core deposits | 88.3889% | 2,575 |
| Total domestic deposits to total assets | 87.7287% | 1,259 |
| Equity capital to assets | 8.6364% | 4,856 |
| Core capital (leverage) ratio | 9.7053% | 3,836 |
| Tier 1 risk-based capital ratio | 13.6228% | 3,449 |
| Total risk-based capital ratio | 14.5046% | 3,536 |
| Memoranda: | ||
| Average total assets | $145,729,600 | 3,351 |
| Average earning assets | $139,093,600 | 3,289 |
| Average equity | $11,875,400 | 4,015 |
| Average total loans | $94,832,600 | 3,297 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8381% | 2,004 |
| Cost of funding earning assets | 0.8478% | 2,478 |
| Net interest margin | 3.9903% | 1,972 |
| Noninterest income to average assets | 0.2202% | 4,412 |
| Noninterest expense to average assets | 2.4798% | 3,492 |
| Loan and lease loss provision to assets | 0.0009% | 3,828 |
| Net operating income to assets | 1.5624% | 1,018 |
| Return on assets (ROA) | 1.5624% | 1,075 |
| Pretax return on assets | 1.5624% | 1,776 |
| Return on Equity (ROE) | 19.4625% | 284 |
| Retained earnings to average equity (ytd only) | 12.2921% | 349 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3333% | 3,434 |
| Assets per employee ($millions) | 5.3643% | 2,161 |
| Cash dividends to net income (ytd only)* | 36.8422% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 4,101 |
| Loan loss allowance to noncurrent loans | 691.3386% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 4,277 |
| Noncurrent loans to loans | 0.1282% | 4,076 |
| Net loans and leases to total assets | 67.7661% | 2,819 |
| Net loans and leases to deposits | 78.4138% | 3,057 |
| Net loans and leases to core deposits | 90.2943% | 2,525 |
| Total domestic deposits to total assets | 86.4211% | 1,809 |
| Equity capital to assets | 8.5214% | 4,991 |
| Core capital (leverage) ratio | 9.6245% | 4,048 |
| Tier 1 risk-based capital ratio | 14.2592% | 3,194 |
| Total risk-based capital ratio | 15.1967% | 3,270 |
| Memoranda: | ||
| Average total assets | $145,923,000 | 3,385 |
| Average earning assets | $139,804,000 | 3,315 |
| Average equity | $11,714,500 | 4,072 |
| Average total loans | $94,066,500 | 3,356 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8162% | 2,008 |
| Cost of funding earning assets | 0.8205% | 2,545 |
| Net interest margin | 3.9957% | 1,935 |
| Noninterest income to average assets | 0.2406% | 4,312 |
| Noninterest expense to average assets | 2.4555% | 3,597 |
| Loan and lease loss provision to assets | -0.0027% | 5,095 |
| Net operating income to assets | 1.6229% | 860 |
| Return on assets (ROA) | 1.6229% | 904 |
| Pretax return on assets | 1.6229% | 1,477 |
| Return on Equity (ROE) | 20.6339% | 218 |
| Retained earnings to average equity (ytd only) | 13.5937% | 253 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2482% | 3,685 |
| Assets per employee ($millions) | 5.1087% | 2,351 |
| Cash dividends to net income (ytd only)* | 34.1196% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 3,898 |
| Loan loss allowance to noncurrent loans | 688.9764% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 4,330 |
| Noncurrent loans to loans | 0.1371% | 4,064 |
| Net loans and leases to total assets | 64.1534% | 3,322 |
| Net loans and leases to deposits | 72.3789% | 3,653 |
| Net loans and leases to core deposits | 82.5532% | 3,236 |
| Total domestic deposits to total assets | 88.6356% | 808 |
| Equity capital to assets | 8.4045% | 5,077 |
| Core capital (leverage) ratio | 9.2556% | 4,403 |
| Tier 1 risk-based capital ratio | 14.4492% | 3,091 |
| Total risk-based capital ratio | 15.4103% | 3,154 |
| Memoranda: | ||
| Average total assets | $146,285,670 | 3,398 |
| Average earning assets | $140,400,330 | 3,325 |
| Average equity | $11,505,330 | 4,110 |
| Average total loans | $92,413,000 | 3,403 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 2,540 |
| Cost of funding earning assets | 0.7881% | 2,603 |
| Net interest margin | 3.8083% | 2,496 |
| Noninterest income to average assets | 0.1974% | 4,577 |
| Noninterest expense to average assets | 2.3934% | 3,782 |
| Loan and lease loss provision to assets | -0.0054% | 5,197 |
| Net operating income to assets | 1.4685% | 1,185 |
| Return on assets (ROA) | 1.4685% | 1,212 |
| Pretax return on assets | 1.4685% | 1,870 |
| Return on Equity (ROE) | 19.3118% | 304 |
| Retained earnings to average equity (ytd only) | 12.9101% | 474 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0617% | 3,528 |
| Assets per employee ($millions) | 5.7046% | 1,789 |
| Cash dividends to net income (ytd only)* | 33.1492% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 3,927 |
| Loan loss allowance to noncurrent loans | 638.6861% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 4,350 |
| Noncurrent loans to loans | 0.1504% | 4,062 |
| Net loans and leases to total assets | 60.8333% | 3,620 |
| Net loans and leases to deposits | 68.3913% | 3,895 |
| Net loans and leases to core deposits | 77.6349% | 3,546 |
| Total domestic deposits to total assets | 88.9489% | 879 |
| Equity capital to assets | 7.7238% | 5,232 |
| Core capital (leverage) ratio | 8.8401% | 4,762 |
| Tier 1 risk-based capital ratio | 14.0537% | 3,316 |
| Total risk-based capital ratio | 15.0194% | 3,369 |
| Memoranda: | ||
| Average total assets | $147,907,000 | 3,413 |
| Average earning assets | $142,112,000 | 3,344 |
| Average equity | $11,247,000 | 4,161 |
| Average total loans | $92,298,500 | 3,443 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 2,718 |
| Cost of funding earning assets | 0.6687% | 2,277 |
| Net interest margin | 3.7450% | 2,875 |
| Noninterest income to average assets | 0.2072% | 4,680 |
| Noninterest expense to average assets | 2.5935% | 3,355 |
| Loan and lease loss provision to assets | 0.0384% | 3,434 |
| Net operating income to assets | 1.1630% | 2,337 |
| Return on assets (ROA) | 1.1630% | 2,333 |
| Pretax return on assets | 1.1630% | 3,050 |
| Return on Equity (ROE) | 16.0883% | 614 |
| Retained earnings to average equity (ytd only) | 9.5728% | 717 |
| Net charge-offs to loans | 0.0068% | 3,444 |
| Credit loss provision to net charge-offs | 883.3333% | 406 |
| Earnings coverage of net charge-offs (x) | 276.3333% | 351 |
| Efficiency ratio | 68.3407% | 2,487 |
| Assets per employee ($millions) | 5.4627% | 1,994 |
| Cash dividends to net income (ytd only)* | 40.4984% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 4,002 |
| Loan loss allowance to noncurrent loans | 525.1497% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 4,261 |
| Noncurrent loans to loans | 0.1786% | 3,955 |
| Net loans and leases to total assets | 62.7937% | 3,486 |
| Net loans and leases to deposits | 70.2298% | 3,810 |
| Net loans and leases to core deposits | 78.4099% | 3,544 |
| Total domestic deposits to total assets | 89.4118% | 697 |
| Equity capital to assets | 7.4837% | 5,284 |
| Core capital (leverage) ratio | 8.5538% | 4,991 |
| Tier 1 risk-based capital ratio | 12.7535% | 3,988 |
| Total risk-based capital ratio | 13.6329% | 4,073 |
| Memoranda: | ||
| Average total assets | $137,999,600 | 3,536 |
| Average earning assets | $132,201,600 | 3,465 |
| Average equity | $9,976,200 | 4,299 |
| Average total loans | $88,253,000 | 3,509 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 2,973 |
| Cost of funding earning assets | 0.6026% | 2,458 |
| Net interest margin | 3.6948% | 3,039 |
| Noninterest income to average assets | 0.2084% | 4,718 |
| Noninterest expense to average assets | 2.4380% | 3,765 |
| Loan and lease loss provision to assets | 0.0157% | 3,698 |
| Net operating income to assets | 1.2927% | 1,890 |
| Return on assets (ROA) | 1.2927% | 1,888 |
| Pretax return on assets | 1.2927% | 2,655 |
| Return on Equity (ROE) | 18.0551% | 421 |
| Retained earnings to average equity (ytd only) | 12.5494% | 411 |
| Net charge-offs to loans | 0.0107% | 3,038 |
| Credit loss provision to net charge-offs | 228.5714% | 1,257 |
| Earnings coverage of net charge-offs (x) | 190.2058% | 453 |
| Efficiency ratio | 65.0748% | 3,024 |
| Assets per employee ($millions) | 5.6015% | 1,826 |
| Cash dividends to net income (ytd only)* | 30.4941% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9271% | 4,150 |
| Loan loss allowance to noncurrent loans | 425.8883% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 4,243 |
| Noncurrent loans to loans | 0.2177% | 3,930 |
| Net loans and leases to total assets | 64.0269% | 3,422 |
| Net loans and leases to deposits | 77.0835% | 3,311 |
| Net loans and leases to core deposits | 87.6804% | 2,859 |
| Total domestic deposits to total assets | 83.0617% | 3,289 |
| Equity capital to assets | 7.2666% | 5,353 |
| Core capital (leverage) ratio | 9.2496% | 4,458 |
| Tier 1 risk-based capital ratio | 13.2768% | 3,738 |
| Total risk-based capital ratio | 14.1671% | 3,859 |
| Memoranda: | ||
| Average total assets | $135,626,000 | 3,609 |
| Average earning assets | $129,874,250 | 3,531 |
| Average equity | $9,710,750 | 4,385 |
| Average total loans | $86,942,750 | 3,565 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 3,182 |
| Cost of funding earning assets | 0.5518% | 2,595 |
| Net interest margin | 3.6246% | 3,222 |
| Noninterest income to average assets | 0.2266% | 4,668 |
| Noninterest expense to average assets | 2.4002% | 3,901 |
| Loan and lease loss provision to assets | 0.0134% | 3,602 |
| Net operating income to assets | 1.2895% | 1,815 |
| Return on assets (ROA) | 1.2895% | 1,811 |
| Pretax return on assets | 1.2895% | 2,558 |
| Return on Equity (ROE) | 18.1044% | 408 |
| Retained earnings to average equity (ytd only) | 12.2440% | 485 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8148% | 3,192 |
| Assets per employee ($millions) | 5.2718% | 2,129 |
| Cash dividends to net income (ytd only)* | 32.3699% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 4,180 |
| Loan loss allowance to noncurrent loans | 386.6359% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 4,195 |
| Noncurrent loans to loans | 0.2418% | 3,837 |
| Net loans and leases to total assets | 64.8617% | 3,298 |
| Net loans and leases to deposits | 77.8610% | 3,175 |
| Net loans and leases to core deposits | 86.9843% | 2,821 |
| Total domestic deposits to total assets | 83.3045% | 3,321 |
| Equity capital to assets | 7.1870% | 5,432 |
| Core capital (leverage) ratio | 9.1190% | 4,561 |
| Tier 1 risk-based capital ratio | 13.0739% | 3,860 |
| Total risk-based capital ratio | 13.9770% | 3,955 |
| Memoranda: | ||
| Average total assets | $134,155,330 | 3,640 |
| Average earning assets | $128,674,670 | 3,571 |
| Average equity | $9,555,670 | 4,449 |
| Average total loans | $85,756,670 | 3,608 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 3,570 |
| Cost of funding earning assets | 0.5342% | 2,516 |
| Net interest margin | 3.4755% | 3,629 |
| Noninterest income to average assets | 0.2080% | 4,777 |
| Noninterest expense to average assets | 2.3904% | 3,972 |
| Loan and lease loss provision to assets | 0.0271% | 3,164 |
| Net operating income to assets | 1.1243% | 2,315 |
| Return on assets (ROA) | 1.1243% | 2,330 |
| Pretax return on assets | 1.1243% | 3,071 |
| Return on Equity (ROE) | 15.8588% | 651 |
| Retained earnings to average equity (ytd only) | 9.4813% | 1,311 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4894% | 2,921 |
| Assets per employee ($millions) | 5.6768% | 1,784 |
| Cash dividends to net income (ytd only)* | 40.2145% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 3,877 |
| Loan loss allowance to noncurrent loans | 339.6761% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 4,179 |
| Noncurrent loans to loans | 0.2980% | 3,693 |
| Net loans and leases to total assets | 60.2236% | 3,733 |
| Net loans and leases to deposits | 72.4691% | 3,555 |
| Net loans and leases to core deposits | 81.4548% | 3,191 |
| Total domestic deposits to total assets | 83.1024% | 3,633 |
| Equity capital to assets | 6.9889% | 5,512 |
| Core capital (leverage) ratio | 8.9808% | 4,696 |
| Tier 1 risk-based capital ratio | 13.8608% | 3,457 |
| Total risk-based capital ratio | 14.8461% | 3,515 |
| Memoranda: | ||
| Average total assets | $132,699,500 | 3,699 |
| Average earning assets | $127,292,000 | 3,627 |
| Average equity | $9,408,000 | 4,518 |
| Average total loans | $83,763,500 | 3,677 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6053% | 4,563 |
| Cost of funding earning assets | 0.3975% | 3,281 |
| Net interest margin | 3.2078% | 4,428 |
| Noninterest income to average assets | 0.2364% | 4,720 |
| Noninterest expense to average assets | 2.3782% | 4,135 |
| Loan and lease loss provision to assets | 0.2063% | 990 |
| Net operating income to assets | 0.7326% | 3,462 |
| Return on assets (ROA) | 0.7416% | 3,464 |
| Pretax return on assets | 0.7416% | 4,409 |
| Return on Equity (ROE) | 9.8634% | 1,948 |
| Retained earnings to average equity (ytd only) | 3.0573% | 3,475 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6944% | 2,276 |
| Assets per employee ($millions) | 5.6154% | 1,829 |
| Cash dividends to net income (ytd only)* | 69.0033% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 4,049 |
| Loan loss allowance to noncurrent loans | 267.7419% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 3,936 |
| Noncurrent loans to loans | 0.3663% | 3,449 |
| Net loans and leases to total assets | 64.8887% | 3,249 |
| Net loans and leases to deposits | 77.7351% | 3,145 |
| Net loans and leases to core deposits | 84.9789% | 2,986 |
| Total domestic deposits to total assets | 83.4741% | 3,392 |
| Equity capital to assets | 7.1960% | 5,570 |
| Core capital (leverage) ratio | 9.1671% | 4,439 |
| Tier 1 risk-based capital ratio | 13.4052% | 3,684 |
| Total risk-based capital ratio | 14.3648% | 3,753 |
| Memoranda: | ||
| Average total assets | $123,119,600 | 3,846 |
| Average earning assets | $118,243,800 | 3,780 |
| Average equity | $9,256,400 | 4,572 |
| Average total loans | $66,618,800 | 4,036 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3877% | 4,976 |
| Cost of funding earning assets | 0.3412% | 3,758 |
| Net interest margin | 3.0466% | 4,821 |
| Noninterest income to average assets | 0.2313% | 4,827 |
| Noninterest expense to average assets | 2.2936% | 4,316 |
| Loan and lease loss provision to assets | 0.1360% | 1,585 |
| Net operating income to assets | 0.7291% | 3,823 |
| Return on assets (ROA) | 0.7411% | 3,844 |
| Pretax return on assets | 0.7411% | 4,510 |
| Return on Equity (ROE) | 9.7471% | 2,235 |
| Retained earnings to average equity (ytd only) | 2.8261% | 4,221 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6137% | 2,116 |
| Assets per employee ($millions) | 5.6839% | 1,739 |
| Cash dividends to net income (ytd only)* | 71.0055% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 4,732 |
| Loan loss allowance to noncurrent loans | 205.8824% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 3,983 |
| Noncurrent loans to loans | 0.4163% | 3,455 |
| Net loans and leases to total assets | 64.7559% | 3,290 |
| Net loans and leases to deposits | 81.1908% | 2,856 |
| Net loans and leases to core deposits | 89.1892% | 2,678 |
| Total domestic deposits to total assets | 79.7577% | 4,372 |
| Equity capital to assets | 7.4925% | 5,615 |
| Core capital (leverage) ratio | 9.7166% | 3,917 |
| Tier 1 risk-based capital ratio | 13.7343% | 3,559 |
| Total risk-based capital ratio | 14.5719% | 3,722 |
| Memoranda: | ||
| Average total assets | $121,610,750 | 3,906 |
| Average earning assets | $116,850,500 | 3,843 |
| Average equity | $9,247,000 | 4,619 |
| Average total loans | $62,114,250 | 4,186 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2549% | 5,173 |
| Cost of funding earning assets | 0.3374% | 3,722 |
| Net interest margin | 2.9175% | 5,065 |
| Noninterest income to average assets | 0.2474% | 4,760 |
| Noninterest expense to average assets | 2.3243% | 4,279 |
| Loan and lease loss provision to assets | 0.1162% | 1,768 |
| Net operating income to assets | 0.6060% | 4,278 |
| Return on assets (ROA) | 0.6027% | 4,339 |
| Pretax return on assets | 0.6027% | 4,799 |
| Return on Equity (ROE) | 7.8859% | 3,101 |
| Retained earnings to average equity (ytd only) | 0.9341% | 4,856 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2943% | 1,673 |
| Assets per employee ($millions) | 5.0488% | 2,336 |
| Cash dividends to net income (ytd only)* | 88.1543% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 3,439 |
| Loan loss allowance to noncurrent loans | 179.4444% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 3,884 |
| Noncurrent loans to loans | 0.6275% | 2,852 |
| Net loans and leases to total assets | 48.8478% | 4,776 |
| Net loans and leases to deposits | 54.5136% | 4,933 |
| Net loans and leases to core deposits | 59.6262% | 4,837 |
| Total domestic deposits to total assets | 89.6066% | 680 |
| Equity capital to assets | 7.9503% | 5,559 |
| Core capital (leverage) ratio | 9.8050% | 3,770 |
| Tier 1 risk-based capital ratio | 17.8710% | 1,896 |
| Total risk-based capital ratio | 18.8885% | 1,917 |
| Memoranda: | ||
| Average total assets | $120,466,000 | 3,955 |
| Average earning assets | $115,578,330 | 3,885 |
| Average equity | $9,206,330 | 4,651 |
| Average total loans | $55,594,330 | 4,367 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1503% | 5,306 |
| Cost of funding earning assets | 0.3406% | 3,628 |
| Net interest margin | 2.8097% | 5,224 |
| Noninterest income to average assets | 0.2381% | 4,836 |
| Noninterest expense to average assets | 2.2831% | 4,448 |
| Loan and lease loss provision to assets | 0.0326% | 3,135 |
| Net operating income to assets | 0.6132% | 4,097 |
| Return on assets (ROA) | 0.6164% | 4,141 |
| Pretax return on assets | 0.6164% | 4,694 |
| Return on Equity (ROE) | 8.2232% | 2,796 |
| Retained earnings to average equity (ytd only) | 1.6969% | 4,428 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9510% | 1,634 |
| Assets per employee ($millions) | 5.1680% | 2,217 |
| Cash dividends to net income (ytd only)* | 79.3651% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 4,006 |
| Loan loss allowance to noncurrent loans | 154.2105% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 3,964 |
| Noncurrent loans to loans | 0.6771% | 2,820 |
| Net loans and leases to total assets | 44.7759% | 4,997 |
| Net loans and leases to deposits | 50.2725% | 5,119 |
| Net loans and leases to core deposits | 54.6948% | 5,036 |
| Total domestic deposits to total assets | 89.0664% | 1,114 |
| Equity capital to assets | 7.4223% | 5,696 |
| Core capital (leverage) ratio | 9.6334% | 3,951 |
| Tier 1 risk-based capital ratio | 18.2202% | 1,798 |
| Total risk-based capital ratio | 19.1615% | 1,863 |
| Memoranda: | ||
| Average total assets | $122,638,000 | 3,958 |
| Average earning assets | $117,449,500 | 3,884 |
| Average equity | $9,193,500 | 4,680 |
| Average total loans | $54,707,000 | 4,435 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0859% | 5,419 |
| Cost of funding earning assets | 0.3797% | 3,210 |
| Net interest margin | 2.7062% | 5,413 |
| Noninterest income to average assets | 0.2917% | 4,654 |
| Noninterest expense to average assets | 2.2416% | 4,672 |
| Loan and lease loss provision to assets | 0.0149% | 4,072 |
| Net operating income to assets | 0.6298% | 4,093 |
| Return on assets (ROA) | 0.6298% | 4,204 |
| Pretax return on assets | 0.6298% | 4,709 |
| Return on Equity (ROE) | 8.4520% | 2,703 |
| Retained earnings to average equity (ytd only) | -1.0763% | 5,451 |
| Net charge-offs to loans | 0.2573% | 1,076 |
| Credit loss provision to net charge-offs | 13.1034% | 3,726 |
| Earnings coverage of net charge-offs (x) | 5.6552% | 3,306 |
| Efficiency ratio | 77.6628% | 1,745 |
| Assets per employee ($millions) | 4.8498% | 2,572 |
| Cash dividends to net income (ytd only)* | 112.7341% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 3,821 |
| Loan loss allowance to noncurrent loans | 140.4878% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 3,924 |
| Noncurrent loans to loans | 0.7693% | 2,608 |
| Net loans and leases to total assets | 43.4789% | 5,148 |
| Net loans and leases to deposits | 49.1035% | 5,245 |
| Net loans and leases to core deposits | 54.5545% | 5,122 |
| Total domestic deposits to total assets | 88.5455% | 1,356 |
| Equity capital to assets | 7.5723% | 5,698 |
| Core capital (leverage) ratio | 9.4290% | 4,184 |
| Tier 1 risk-based capital ratio | 18.9616% | 1,608 |
| Total risk-based capital ratio | 19.9280% | 1,650 |
| Memoranda: | ||
| Average total assets | $127,184,400 | 3,879 |
| Average earning assets | $121,943,400 | 3,795 |
| Average equity | $9,477,000 | 4,660 |
| Average total loans | $56,351,600 | 4,400 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0596% | 5,516 |
| Cost of funding earning assets | 0.3897% | 3,130 |
| Net interest margin | 2.6699% | 5,525 |
| Noninterest income to average assets | 0.2984% | 4,629 |
| Noninterest expense to average assets | 2.1844% | 4,806 |
| Loan and lease loss provision to assets | 0.0238% | 3,771 |
| Net operating income to assets | 0.6528% | 4,074 |
| Return on assets (ROA) | 0.6528% | 4,193 |
| Pretax return on assets | 0.6528% | 4,733 |
| Return on Equity (ROE) | 8.7947% | 2,606 |
| Retained earnings to average equity (ytd only) | 1.4099% | 4,947 |
| Net charge-offs to loans | 0.3525% | 642 |
| Credit loss provision to net charge-offs | 15.2318% | 3,325 |
| Earnings coverage of net charge-offs (x) | 4.3244% | 3,286 |
| Efficiency ratio | 76.3491% | 1,928 |
| Assets per employee ($millions) | 4.9145% | 2,473 |
| Cash dividends to net income (ytd only)* | 83.9687% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,915 |
| Loan loss allowance to noncurrent loans | 70.7768% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6601% | 2,923 |
| Noncurrent loans to loans | 1.5338% | 1,413 |
| Net loans and leases to total assets | 42.5697% | 5,268 |
| Net loans and leases to deposits | 48.0889% | 5,375 |
| Net loans and leases to core deposits | 53.1325% | 5,257 |
| Total domestic deposits to total assets | 88.5229% | 1,148 |
| Equity capital to assets | 7.8022% | 5,795 |
| Core capital (leverage) ratio | 9.4072% | 4,318 |
| Tier 1 risk-based capital ratio | 18.8489% | 1,707 |
| Total risk-based capital ratio | 19.7884% | 1,743 |
| Memoranda: | ||
| Average total assets | $128,669,250 | 3,876 |
| Average earning assets | $123,498,000 | 3,789 |
| Average equity | $9,551,000 | 4,698 |
| Average total loans | $57,116,500 | 4,403 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0623% | 5,581 |
| Cost of funding earning assets | 0.4031% | 3,008 |
| Net interest margin | 2.6592% | 5,609 |
| Noninterest income to average assets | 0.3246% | 4,461 |
| Noninterest expense to average assets | 2.1286% | 4,996 |
| Loan and lease loss provision to assets | 0.0214% | 3,699 |
| Net operating income to assets | 0.7304% | 3,651 |
| Return on assets (ROA) | 0.7304% | 3,808 |
| Pretax return on assets | 0.7304% | 4,530 |
| Return on Equity (ROE) | 10.0007% | 2,052 |
| Retained earnings to average equity (ytd only) | 2.4530% | 4,327 |
| Net charge-offs to loans | 0.5160% | 418 |
| Credit loss provision to net charge-offs | 9.2715% | 2,998 |
| Earnings coverage of net charge-offs (x) | 3.2517% | 3,141 |
| Efficiency ratio | 73.8969% | 2,375 |
| Assets per employee ($millions) | 5.0134% | 2,281 |
| Cash dividends to net income (ytd only)* | 75.4717% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 3,937 |
| Loan loss allowance to noncurrent loans | 125.5556% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 4,045 |
| Noncurrent loans to loans | 0.8776% | 2,540 |
| Net loans and leases to total assets | 40.4596% | 5,400 |
| Net loans and leases to deposits | 45.1969% | 5,522 |
| Net loans and leases to core deposits | 49.6714% | 5,447 |
| Total domestic deposits to total assets | 89.5185% | 672 |
| Equity capital to assets | 7.7010% | 5,877 |
| Core capital (leverage) ratio | 9.3473% | 4,397 |
| Tier 1 risk-based capital ratio | 19.7361% | 1,513 |
| Total risk-based capital ratio | 20.6978% | 1,543 |
| Memoranda: | ||
| Average total assets | $130,605,000 | 3,865 |
| Average earning assets | $125,527,000 | 3,771 |
| Average equity | $9,539,330 | 4,737 |
| Average total loans | $58,530,000 | 4,393 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1965% | 5,486 |
| Cost of funding earning assets | 0.4776% | 2,301 |
| Net interest margin | 2.7189% | 5,588 |
| Noninterest income to average assets | 0.2162% | 5,190 |
| Noninterest expense to average assets | 2.0504% | 5,219 |
| Loan and lease loss provision to assets | -0.0210% | 5,908 |
| Net operating income to assets | 0.8016% | 3,243 |
| Return on assets (ROA) | 0.8016% | 3,357 |
| Pretax return on assets | 0.8016% | 4,188 |
| Return on Equity (ROE) | 11.2623% | 1,510 |
| Retained earnings to average equity (ytd only) | 0.7171% | 4,931 |
| Net charge-offs to loans | -0.0064% | 4,371 |
| Credit loss provision to net charge-offs | 700.0000% | 482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4284% | 2,734 |
| Assets per employee ($millions) | 5.1284% | 2,206 |
| Cash dividends to net income (ytd only)* | 93.6330% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 2,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 38.7952% | 5,518 |
| Net loans and leases to deposits | 43.3470% | 5,615 |
| Net loans and leases to core deposits | 47.7323% | 5,519 |
| Total domestic deposits to total assets | 89.4992% | 835 |
| Equity capital to assets | 7.4355% | 5,958 |
| Core capital (leverage) ratio | 8.7729% | 5,098 |
| Tier 1 risk-based capital ratio | 20.4075% | 1,422 |
| Total risk-based capital ratio | 21.6410% | 1,400 |
| Memoranda: | ||
| Average total assets | $133,240,000 | 3,853 |
| Average earning assets | $128,142,000 | 3,749 |
| Average equity | $9,483,000 | 4,764 |
| Average total loans | $62,157,500 | 4,309 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4785% | 4,978 |
| Cost of funding earning assets | 0.5164% | 2,022 |
| Net interest margin | 2.9621% | 5,221 |
| Noninterest income to average assets | 0.2254% | 5,250 |
| Noninterest expense to average assets | 2.0341% | 5,388 |
| Loan and lease loss provision to assets | 0.0409% | 3,515 |
| Net operating income to assets | 0.9925% | 2,407 |
| Return on assets (ROA) | 0.9925% | 2,500 |
| Pretax return on assets | 0.9925% | 3,503 |
| Return on Equity (ROE) | 13.8672% | 861 |
| Retained earnings to average equity (ytd only) | 3.0042% | 3,923 |
| Net charge-offs to loans | -0.0014% | 4,852 |
| Credit loss provision to net charge-offs | -5,500.0000% | 5,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3109% | 3,852 |
| Assets per employee ($millions) | 5.7613% | 1,570 |
| Cash dividends to net income (ytd only)* | 78.3358% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 4,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 52.9236% | 4,611 |
| Net loans and leases to deposits | 63.3071% | 4,521 |
| Net loans and leases to core deposits | 70.0362% | 4,299 |
| Total domestic deposits to total assets | 83.5982% | 3,635 |
| Equity capital to assets | 6.8221% | 6,073 |
| Core capital (leverage) ratio | 8.5054% | 5,426 |
| Tier 1 risk-based capital ratio | 14.5908% | 3,389 |
| Total risk-based capital ratio | 15.4803% | 3,501 |
| Memoranda: | ||
| Average total assets | $134,405,800 | 3,811 |
| Average earning assets | $128,962,000 | 3,721 |
| Average equity | $9,619,800 | 4,723 |
| Average total loans | $73,913,200 | 3,998 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5115% | 4,957 |
| Cost of funding earning assets | 0.5274% | 1,984 |
| Net interest margin | 2.9841% | 5,236 |
| Noninterest income to average assets | 0.2198% | 5,341 |
| Noninterest expense to average assets | 2.0024% | 5,472 |
| Loan and lease loss provision to assets | 0.0500% | 3,210 |
| Net operating income to assets | 1.0282% | 2,340 |
| Return on assets (ROA) | 1.0282% | 2,426 |
| Pretax return on assets | 1.0282% | 3,510 |
| Return on Equity (ROE) | 14.1930% | 865 |
| Retained earnings to average equity (ytd only) | 3.2275% | 4,165 |
| Net charge-offs to loans | -0.0018% | 4,691 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0016% | 4,066 |
| Assets per employee ($millions) | 5.1409% | 2,125 |
| Cash dividends to net income (ytd only)* | 77.2590% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 4,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 54.3190% | 4,535 |
| Net loans and leases to deposits | 64.9477% | 4,472 |
| Net loans and leases to core deposits | 72.1756% | 4,175 |
| Total domestic deposits to total assets | 83.6351% | 3,556 |
| Equity capital to assets | 7.3887% | 6,088 |
| Core capital (leverage) ratio | 8.8813% | 5,140 |
| Tier 1 risk-based capital ratio | 14.1771% | 3,743 |
| Total risk-based capital ratio | 15.0381% | 3,911 |
| Memoranda: | ||
| Average total assets | $133,439,500 | 3,874 |
| Average earning assets | $127,920,000 | 3,777 |
| Average equity | $9,666,500 | 4,778 |
| Average total loans | $73,921,500 | 4,034 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5191% | 4,933 |
| Cost of funding earning assets | 0.5391% | 1,912 |
| Net interest margin | 2.9800% | 5,271 |
| Noninterest income to average assets | 0.2219% | 5,379 |
| Noninterest expense to average assets | 1.9945% | 5,543 |
| Loan and lease loss provision to assets | 0.0750% | 2,614 |
| Net operating income to assets | 1.0123% | 2,328 |
| Return on assets (ROA) | 1.0123% | 2,441 |
| Pretax return on assets | 1.0123% | 3,535 |
| Return on Equity (ROE) | 14.0674% | 887 |
| Retained earnings to average equity (ytd only) | 2.7301% | 4,321 |
| Net charge-offs to loans | -0.0027% | 4,630 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7202% | 4,238 |
| Assets per employee ($millions) | 5.1550% | 2,087 |
| Cash dividends to net income (ytd only)* | 80.5926% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 4,788 |
| Loan loss allowance to noncurrent loans | 3,668.4211% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 5,838 |
| Noncurrent loans to loans | 0.0277% | 5,648 |
| Net loans and leases to total assets | 52.6894% | 4,687 |
| Net loans and leases to deposits | 60.3582% | 4,823 |
| Net loans and leases to core deposits | 66.1687% | 4,638 |
| Total domestic deposits to total assets | 87.2946% | 2,012 |
| Equity capital to assets | 7.5205% | 6,114 |
| Core capital (leverage) ratio | 8.8309% | 5,186 |
| Tier 1 risk-based capital ratio | 14.9416% | 3,388 |
| Total risk-based capital ratio | 15.8572% | 3,506 |
| Memoranda: | ||
| Average total assets | $133,364,670 | 3,903 |
| Average earning assets | $127,988,330 | 3,797 |
| Average equity | $9,596,670 | 4,821 |
| Average total loans | $74,128,000 | 4,058 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5726% | 4,770 |
| Cost of funding earning assets | 0.5857% | 1,538 |
| Net interest margin | 2.9868% | 5,253 |
| Noninterest income to average assets | 0.2271% | 5,328 |
| Noninterest expense to average assets | 1.9025% | 5,751 |
| Loan and lease loss provision to assets | 0.1534% | 1,329 |
| Net operating income to assets | 1.0442% | 2,055 |
| Return on assets (ROA) | 1.0442% | 2,201 |
| Pretax return on assets | 1.0442% | 3,319 |
| Return on Equity (ROE) | 14.8288% | 736 |
| Retained earnings to average equity (ytd only) | 3.3511% | 3,974 |
| Net charge-offs to loans | -0.0052% | 4,504 |
| Credit loss provision to net charge-offs | -5,200.0000% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3701% | 4,908 |
| Assets per employee ($millions) | 5.1310% | 2,191 |
| Cash dividends to net income (ytd only)* | 77.4011% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 5,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 55.5586% | 4,254 |
| Net loans and leases to deposits | 65.8915% | 4,161 |
| Net loans and leases to core deposits | 72.0509% | 3,954 |
| Total domestic deposits to total assets | 84.3184% | 3,690 |
| Equity capital to assets | 7.2149% | 6,237 |
| Core capital (leverage) ratio | 8.4204% | 5,602 |
| Tier 1 risk-based capital ratio | 13.7189% | 4,206 |
| Total risk-based capital ratio | 14.5658% | 4,338 |
| Memoranda: | ||
| Average total assets | $135,610,000 | 3,889 |
| Average earning assets | $130,439,000 | 3,768 |
| Average equity | $9,549,000 | 4,874 |
| Average total loans | $76,892,000 | 3,991 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3159% | 5,679 |
| Cost of funding earning assets | 0.3599% | 4,143 |
| Net interest margin | 2.9561% | 5,538 |
| Noninterest income to average assets | 0.2596% | 5,273 |
| Noninterest expense to average assets | 2.0912% | 5,595 |
| Loan and lease loss provision to assets | -0.0378% | 5,994 |
| Net operating income to assets | 1.0369% | 2,228 |
| Return on assets (ROA) | 1.0369% | 2,309 |
| Pretax return on assets | 1.0369% | 3,363 |
| Return on Equity (ROE) | 13.5552% | 1,027 |
| Retained earnings to average equity (ytd only) | 2.9106% | 4,170 |
| Net charge-offs to loans | -0.1442% | 6,204 |
| Credit loss provision to net charge-offs | 53.3333% | 3,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6680% | 3,951 |
| Assets per employee ($millions) | 5.7423% | 1,567 |
| Cash dividends to net income (ytd only)* | 78.5281% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 5,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 56.8305% | 4,224 |
| Net loans and leases to deposits | 69.8353% | 3,935 |
| Net loans and leases to core deposits | 76.0974% | 3,702 |
| Total domestic deposits to total assets | 81.3779% | 4,630 |
| Equity capital to assets | 6.8737% | 6,344 |
| Core capital (leverage) ratio | 8.7146% | 5,333 |
| Tier 1 risk-based capital ratio | 13.7806% | 4,246 |
| Total risk-based capital ratio | 14.5722% | 4,457 |
| Memoranda: | ||
| Average total assets | $127,106,600 | 4,038 |
| Average earning assets | $121,716,200 | 3,924 |
| Average equity | $9,723,200 | 4,809 |
| Average total loans | $62,405,600 | 4,416 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3016% | 5,768 |
| Cost of funding earning assets | 0.3281% | 4,581 |
| Net interest margin | 2.9735% | 5,554 |
| Noninterest income to average assets | 0.2593% | 5,363 |
| Noninterest expense to average assets | 2.1431% | 5,478 |
| Loan and lease loss provision to assets | -0.0911% | 6,255 |
| Net operating income to assets | 1.0522% | 2,228 |
| Return on assets (ROA) | 1.0522% | 2,290 |
| Pretax return on assets | 1.0522% | 3,367 |
| Return on Equity (ROE) | 13.3797% | 1,120 |
| Retained earnings to average equity (ytd only) | 2.9566% | 4,491 |
| Net charge-offs to loans | -0.2105% | 6,320 |
| Credit loss provision to net charge-offs | 92.3913% | 2,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0369% | 3,667 |
| Assets per employee ($millions) | 4.9269% | 2,340 |
| Cash dividends to net income (ytd only)* | 77.9019% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 4,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 46.0437% | 5,370 |
| Net loans and leases to deposits | 51.1592% | 5,576 |
| Net loans and leases to core deposits | 55.7469% | 5,462 |
| Total domestic deposits to total assets | 90.0010% | 730 |
| Equity capital to assets | 8.0010% | 6,135 |
| Core capital (leverage) ratio | 9.1627% | 4,831 |
| Tier 1 risk-based capital ratio | 18.2200% | 2,143 |
| Total risk-based capital ratio | 19.2165% | 2,181 |
| Memoranda: | ||
| Average total assets | $124,429,500 | 4,133 |
| Average earning assets | $119,050,500 | 4,012 |
| Average equity | $9,785,750 | 4,829 |
| Average total loans | $58,265,250 | 4,578 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2981% | 5,795 |
| Cost of funding earning assets | 0.3402% | 4,537 |
| Net interest margin | 2.9579% | 5,617 |
| Noninterest income to average assets | 0.2499% | 5,413 |
| Noninterest expense to average assets | 2.1306% | 5,560 |
| Loan and lease loss provision to assets | -0.1346% | 6,407 |
| Net operating income to assets | 1.0813% | 2,004 |
| Return on assets (ROA) | 1.0813% | 2,072 |
| Pretax return on assets | 1.0813% | 3,180 |
| Return on Equity (ROE) | 13.8282% | 991 |
| Retained earnings to average equity (ytd only) | 3.2778% | 4,120 |
| Net charge-offs to loans | -0.3141% | 6,446 |
| Credit loss provision to net charge-offs | 91.3043% | 2,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2348% | 3,789 |
| Assets per employee ($millions) | 4.4532% | 3,001 |
| Cash dividends to net income (ytd only)* | 76.2963% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 4,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 44.6363% | 5,485 |
| Net loans and leases to deposits | 49.2557% | 5,688 |
| Net loans and leases to core deposits | 53.8316% | 5,565 |
| Total domestic deposits to total assets | 90.6215% | 535 |
| Equity capital to assets | 7.8186% | 6,247 |
| Core capital (leverage) ratio | 9.0241% | 4,983 |
| Tier 1 risk-based capital ratio | 18.5158% | 2,061 |
| Total risk-based capital ratio | 19.5352% | 2,104 |
| Memoranda: | ||
| Average total assets | $124,848,670 | 4,136 |
| Average earning assets | $119,343,000 | 4,026 |
| Average equity | $9,762,670 | 4,854 |
| Average total loans | $58,579,000 | 4,593 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3959% | 5,657 |
| Cost of funding earning assets | 0.3721% | 4,289 |
| Net interest margin | 3.0238% | 5,467 |
| Noninterest income to average assets | 0.2433% | 5,412 |
| Noninterest expense to average assets | 2.1164% | 5,649 |
| Loan and lease loss provision to assets | -0.2754% | 6,609 |
| Net operating income to assets | 1.2903% | 1,244 |
| Return on assets (ROA) | 1.2903% | 1,292 |
| Pretax return on assets | 1.2903% | 2,126 |
| Return on Equity (ROE) | 16.5003% | 589 |
| Retained earnings to average equity (ytd only) | 6.2644% | 2,399 |
| Net charge-offs to loans | -0.6161% | 6,579 |
| Credit loss provision to net charge-offs | 93.4783% | 1,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5869% | 4,256 |
| Assets per employee ($millions) | 4.7959% | 2,517 |
| Cash dividends to net income (ytd only)* | 62.0347% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 5,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 44.6545% | 5,455 |
| Net loans and leases to deposits | 49.3801% | 5,639 |
| Net loans and leases to core deposits | 54.3691% | 5,473 |
| Total domestic deposits to total assets | 90.4301% | 839 |
| Equity capital to assets | 7.9082% | 6,116 |
| Core capital (leverage) ratio | 8.9901% | 5,024 |
| Tier 1 risk-based capital ratio | 18.0839% | 2,265 |
| Total risk-based capital ratio | 19.0786% | 2,340 |
| Memoranda: | ||
| Average total assets | $124,928,000 | 4,166 |
| Average earning assets | $119,321,500 | 4,057 |
| Average equity | $9,769,500 | 4,879 |
| Average total loans | $59,734,000 | 4,600 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3054% | 5,997 |
| Cost of funding earning assets | 0.3638% | 5,013 |
| Net interest margin | 2.9416% | 5,702 |
| Noninterest income to average assets | 0.2555% | 5,517 |
| Noninterest expense to average assets | 2.1104% | 5,811 |
| Loan and lease loss provision to assets | -0.0105% | 6,276 |
| Net operating income to assets | 0.9735% | 2,450 |
| Return on assets (ROA) | 0.9735% | 2,519 |
| Pretax return on assets | 0.9735% | 3,458 |
| Return on Equity (ROE) | 13.0793% | 1,153 |
| Retained earnings to average equity (ytd only) | 6.7786% | 1,538 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6661% | 4,070 |
| Assets per employee ($millions) | 4.8140% | 2,425 |
| Cash dividends to net income (ytd only)* | 48.1728% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 5,738 |
| Loan loss allowance to noncurrent loans | 61.5698% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 0.7838% | 3,931 |
| Noncurrent loans to loans | 1.5528% | 2,567 |
| Net loans and leases to total assets | 49.9932% | 5,081 |
| Net loans and leases to deposits | 56.1616% | 5,289 |
| Net loans and leases to core deposits | 61.9069% | 5,069 |
| Total domestic deposits to total assets | 89.0167% | 1,609 |
| Equity capital to assets | 7.7323% | 6,173 |
| Core capital (leverage) ratio | 9.0318% | 4,949 |
| Tier 1 risk-based capital ratio | 15.9090% | 3,142 |
| Total risk-based capital ratio | 16.7876% | 3,306 |
| Memoranda: | ||
| Average total assets | $123,673,400 | 4,191 |
| Average earning assets | $118,471,400 | 4,077 |
| Average equity | $9,205,400 | 5,036 |
| Average total loans | $57,648,200 | 4,696 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3035% | 6,058 |
| Cost of funding earning assets | 0.3585% | 5,209 |
| Net interest margin | 2.9449% | 5,706 |
| Noninterest income to average assets | 0.2390% | 5,723 |
| Noninterest expense to average assets | 2.0459% | 5,935 |
| Loan and lease loss provision to assets | -0.0324% | 6,517 |
| Net operating income to assets | 1.0500% | 2,181 |
| Return on assets (ROA) | 1.0500% | 2,267 |
| Pretax return on assets | 1.0500% | 3,301 |
| Return on Equity (ROE) | 14.2467% | 939 |
| Retained earnings to average equity (ytd only) | 9.5516% | 891 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7843% | 4,342 |
| Assets per employee ($millions) | 4.8015% | 2,438 |
| Cash dividends to net income (ytd only)* | 32.9561% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 5,623 |
| Loan loss allowance to noncurrent loans | 56.3340% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 0.8681% | 3,941 |
| Noncurrent loans to loans | 1.8171% | 2,473 |
| Net loans and leases to total assets | 47.2838% | 5,419 |
| Net loans and leases to deposits | 53.0285% | 5,629 |
| Net loans and leases to core deposits | 58.8642% | 5,376 |
| Total domestic deposits to total assets | 89.1667% | 1,468 |
| Equity capital to assets | 7.6235% | 6,341 |
| Core capital (leverage) ratio | 9.1983% | 4,835 |
| Tier 1 risk-based capital ratio | 17.2595% | 2,601 |
| Total risk-based capital ratio | 18.1837% | 2,700 |
| Memoranda: | ||
| Average total assets | $123,301,000 | 4,239 |
| Average earning assets | $118,256,750 | 4,122 |
| Average equity | $9,087,250 | 5,119 |
| Average total loans | $56,266,000 | 4,784 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2748% | 6,125 |
| Cost of funding earning assets | 0.3631% | 5,292 |
| Net interest margin | 2.9117% | 5,777 |
| Noninterest income to average assets | 0.2347% | 5,764 |
| Noninterest expense to average assets | 2.0034% | 6,041 |
| Loan and lease loss provision to assets | 0.0113% | 4,648 |
| Net operating income to assets | 1.0178% | 2,255 |
| Return on assets (ROA) | 1.0178% | 2,377 |
| Pretax return on assets | 1.0178% | 3,427 |
| Return on Equity (ROE) | 13.9643% | 1,015 |
| Retained earnings to average equity (ytd only) | 9.1110% | 1,080 |
| Net charge-offs to loans | -0.0072% | 5,704 |
| Credit loss provision to net charge-offs | -350.0000% | 5,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0657% | 4,537 |
| Assets per employee ($millions) | 4.3564% | 3,087 |
| Cash dividends to net income (ytd only)* | 34.7551% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 5,289 |
| Loan loss allowance to noncurrent loans | 61.6749% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 0.8321% | 4,158 |
| Noncurrent loans to loans | 1.8440% | 2,573 |
| Net loans and leases to total assets | 44.6126% | 5,687 |
| Net loans and leases to deposits | 49.8219% | 5,854 |
| Net loans and leases to core deposits | 56.1711% | 5,585 |
| Total domestic deposits to total assets | 89.5441% | 1,301 |
| Equity capital to assets | 7.3037% | 6,512 |
| Core capital (leverage) ratio | 8.8276% | 5,252 |
| Tier 1 risk-based capital ratio | 17.4220% | 2,544 |
| Total risk-based capital ratio | 18.4367% | 2,618 |
| Memoranda: | ||
| Average total assets | $124,389,000 | 4,251 |
| Average earning assets | $119,519,000 | 4,126 |
| Average equity | $9,066,000 | 5,156 |
| Average total loans | $55,906,330 | 4,820 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2674% | 6,217 |
| Cost of funding earning assets | 0.3653% | 5,413 |
| Net interest margin | 2.9021% | 5,808 |
| Noninterest income to average assets | 0.2516% | 5,659 |
| Noninterest expense to average assets | 1.9810% | 6,137 |
| Loan and lease loss provision to assets | -0.0828% | 6,824 |
| Net operating income to assets | 1.1370% | 1,726 |
| Return on assets (ROA) | 1.1370% | 1,840 |
| Pretax return on assets | 1.1370% | 2,830 |
| Return on Equity (ROE) | 15.6159% | 661 |
| Retained earnings to average equity (ytd only) | 10.8043% | 914 |
| Net charge-offs to loans | -0.0213% | 5,744 |
| Credit loss provision to net charge-offs | 866.6667% | 348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2676% | 4,783 |
| Assets per employee ($millions) | 5.0618% | 2,139 |
| Cash dividends to net income (ytd only)* | 30.8123% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 5,737 |
| Loan loss allowance to noncurrent loans | 57.9512% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 4,345 |
| Noncurrent loans to loans | 1.8359% | 2,820 |
| Net loans and leases to total assets | 43.6493% | 5,698 |
| Net loans and leases to deposits | 48.2255% | 5,908 |
| Net loans and leases to core deposits | 54.2263% | 5,649 |
| Total domestic deposits to total assets | 90.5109% | 761 |
| Equity capital to assets | 7.2907% | 6,646 |
| Core capital (leverage) ratio | 8.5124% | 5,574 |
| Tier 1 risk-based capital ratio | 17.0723% | 2,712 |
| Total risk-based capital ratio | 18.0308% | 2,836 |
| Memoranda: | ||
| Average total assets | $125,594,000 | 4,270 |
| Average earning assets | $120,464,000 | 4,145 |
| Average equity | $9,144,500 | 5,198 |
| Average total loans | $56,337,500 | 4,846 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 6,355 |
| Cost of funding earning assets | 0.5000% | 5,219 |
| Net interest margin | 2.9997% | 6,052 |
| Noninterest income to average assets | 0.2573% | 5,623 |
| Noninterest expense to average assets | 2.0489% | 6,238 |
| Loan and lease loss provision to assets | 0.1205% | 4,113 |
| Net operating income to assets | 0.9548% | 2,521 |
| Return on assets (ROA) | 0.9679% | 2,705 |
| Pretax return on assets | 0.9679% | 3,664 |
| Return on Equity (ROE) | 13.1039% | 1,200 |
| Retained earnings to average equity (ytd only) | 8.4437% | 987 |
| Net charge-offs to loans | 0.1665% | 4,049 |
| Credit loss provision to net charge-offs | 154.7368% | 1,747 |
| Earnings coverage of net charge-offs (x) | 13.8105% | 1,787 |
| Efficiency ratio | 65.5824% | 4,585 |
| Assets per employee ($millions) | 5.1935% | 1,995 |
| Cash dividends to net income (ytd only)* | 35.5631% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 5,612 |
| Loan loss allowance to noncurrent loans | 59.5560% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 4,393 |
| Noncurrent loans to loans | 1.8225% | 2,884 |
| Net loans and leases to total assets | 45.1112% | 5,712 |
| Net loans and leases to deposits | 49.8564% | 5,967 |
| Net loans and leases to core deposits | 54.9558% | 5,796 |
| Total domestic deposits to total assets | 90.4824% | 711 |
| Equity capital to assets | 7.2712% | 6,702 |
| Core capital (leverage) ratio | 8.4890% | 5,627 |
| Tier 1 risk-based capital ratio | 16.2566% | 3,025 |
| Total risk-based capital ratio | 17.2270% | 3,131 |
| Memoranda: | ||
| Average total assets | $122,016,800 | 4,315 |
| Average earning assets | $116,610,600 | 4,197 |
| Average equity | $9,012,600 | 5,223 |
| Average total loans | $57,049,200 | 4,833 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5625% | 6,436 |
| Cost of funding earning assets | 0.5368% | 5,190 |
| Net interest margin | 3.0257% | 6,114 |
| Noninterest income to average assets | 0.2406% | 5,831 |
| Noninterest expense to average assets | 2.0402% | 6,291 |
| Loan and lease loss provision to assets | 0.2131% | 2,939 |
| Net operating income to assets | 0.8789% | 3,083 |
| Return on assets (ROA) | 0.8965% | 3,227 |
| Pretax return on assets | 0.8965% | 4,116 |
| Return on Equity (ROE) | 12.0886% | 1,602 |
| Retained earnings to average equity (ytd only) | 7.4961% | 1,854 |
| Net charge-offs to loans | 0.2218% | 3,391 |
| Credit loss provision to net charge-offs | 204.2105% | 1,354 |
| Earnings coverage of net charge-offs (x) | 10.4634% | 2,188 |
| Efficiency ratio | 65.1350% | 4,605 |
| Assets per employee ($millions) | 5.0082% | 2,180 |
| Cash dividends to net income (ytd only)* | 37.9900% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,289 |
| Loan loss allowance to noncurrent loans | 63.4799% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 0.8702% | 4,549 |
| Noncurrent loans to loans | 1.8877% | 2,974 |
| Net loans and leases to total assets | 45.5469% | 5,813 |
| Net loans and leases to deposits | 50.5009% | 6,075 |
| Net loans and leases to core deposits | 56.8040% | 5,825 |
| Total domestic deposits to total assets | 90.1903% | 739 |
| Equity capital to assets | 7.7614% | 6,689 |
| Core capital (leverage) ratio | 8.4424% | 5,831 |
| Tier 1 risk-based capital ratio | 16.2111% | 3,161 |
| Total risk-based capital ratio | 17.2763% | 3,216 |
| Memoranda: | ||
| Average total assets | $121,360,250 | 4,367 |
| Average earning assets | $115,982,500 | 4,244 |
| Average equity | $9,000,000 | 5,272 |
| Average total loans | $57,100,250 | 4,884 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5609% | 6,532 |
| Cost of funding earning assets | 0.5657% | 5,180 |
| Net interest margin | 2.9952% | 6,254 |
| Noninterest income to average assets | 0.2349% | 5,886 |
| Noninterest expense to average assets | 2.0436% | 6,345 |
| Loan and lease loss provision to assets | 0.1117% | 4,132 |
| Net operating income to assets | 0.9413% | 2,705 |
| Return on assets (ROA) | 0.9676% | 2,839 |
| Pretax return on assets | 0.9676% | 3,829 |
| Return on Equity (ROE) | 13.2504% | 1,293 |
| Retained earnings to average equity (ytd only) | 8.5486% | 1,434 |
| Net charge-offs to loans | 0.1006% | 4,160 |
| Credit loss provision to net charge-offs | 234.4828% | 1,214 |
| Earnings coverage of net charge-offs (x) | 22.1034% | 1,317 |
| Efficiency ratio | 65.9947% | 4,536 |
| Assets per employee ($millions) | 4.7657% | 2,490 |
| Cash dividends to net income (ytd only)* | 35.4839% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 6,005 |
| Loan loss allowance to noncurrent loans | 53.8805% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 0.9047% | 4,563 |
| Noncurrent loans to loans | 1.9307% | 3,025 |
| Net loans and leases to total assets | 46.3723% | 5,791 |
| Net loans and leases to deposits | 52.2435% | 6,008 |
| Net loans and leases to core deposits | 59.1989% | 5,677 |
| Total domestic deposits to total assets | 88.7618% | 1,666 |
| Equity capital to assets | 7.3434% | 6,838 |
| Core capital (leverage) ratio | 8.2282% | 6,016 |
| Tier 1 risk-based capital ratio | 14.9402% | 3,806 |
| Total risk-based capital ratio | 15.8451% | 3,999 |
| Memoranda: | ||
| Average total assets | $121,748,000 | 4,384 |
| Average earning assets | $116,317,670 | 4,266 |
| Average equity | $8,890,330 | 5,295 |
| Average total loans | $57,663,670 | 4,883 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 6,549 |
| Cost of funding earning assets | 0.5835% | 5,263 |
| Net interest margin | 3.0391% | 6,213 |
| Noninterest income to average assets | 0.2486% | 5,864 |
| Noninterest expense to average assets | 2.0353% | 6,399 |
| Loan and lease loss provision to assets | 0.3580% | 1,760 |
| Net operating income to assets | 0.7558% | 3,594 |
| Return on assets (ROA) | 0.7558% | 3,834 |
| Pretax return on assets | 0.7558% | 4,585 |
| Return on Equity (ROE) | 10.3802% | 2,274 |
| Retained earnings to average equity (ytd only) | 5.8275% | 3,058 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6316% | 4,814 |
| Assets per employee ($millions) | 4.6244% | 2,768 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 5,529 |
| Loan loss allowance to noncurrent loans | 57.8179% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 4,652 |
| Noncurrent loans to loans | 2.0604% | 3,077 |
| Net loans and leases to total assets | 44.7077% | 5,929 |
| Net loans and leases to deposits | 50.3772% | 6,110 |
| Net loans and leases to core deposits | 56.8174% | 5,834 |
| Total domestic deposits to total assets | 88.7458% | 1,853 |
| Equity capital to assets | 7.0543% | 6,926 |
| Core capital (leverage) ratio | 8.1256% | 6,126 |
| Tier 1 risk-based capital ratio | 15.2192% | 3,609 |
| Total risk-based capital ratio | 16.2724% | 3,699 |
| Memoranda: | ||
| Average total assets | $120,668,000 | 4,438 |
| Average earning assets | $115,166,000 | 4,305 |
| Average equity | $8,786,000 | 5,337 |
| Average total loans | $57,464,000 | 4,917 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6822% | 6,866 |
| Cost of funding earning assets | 0.5842% | 6,165 |
| Net interest margin | 3.0980% | 6,350 |
| Noninterest income to average assets | 0.3011% | 5,379 |
| Noninterest expense to average assets | 2.2335% | 6,202 |
| Loan and lease loss provision to assets | 0.0592% | 5,864 |
| Net operating income to assets | 0.9742% | 2,302 |
| Return on assets (ROA) | 0.9742% | 2,439 |
| Pretax return on assets | 0.9742% | 3,336 |
| Return on Equity (ROE) | 12.3821% | 1,300 |
| Retained earnings to average equity (ytd only) | 6.4587% | 1,766 |
| Net charge-offs to loans | 0.0060% | 6,347 |
| Credit loss provision to net charge-offs | 2,200.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 384.3333% | 90 |
| Efficiency ratio | 68.3676% | 4,286 |
| Assets per employee ($millions) | 4.6590% | 2,674 |
| Cash dividends to net income (ytd only)* | 47.8381% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 6,344 |
| Loan loss allowance to noncurrent loans | 48.1261% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.0079% | 4,595 |
| Noncurrent loans to loans | 2.0091% | 3,191 |
| Net loans and leases to total assets | 49.6823% | 5,630 |
| Net loans and leases to deposits | 57.0859% | 5,791 |
| Net loans and leases to core deposits | 63.5870% | 5,512 |
| Total domestic deposits to total assets | 87.0308% | 2,741 |
| Equity capital to assets | 7.5243% | 6,801 |
| Core capital (leverage) ratio | 8.5474% | 5,485 |
| Tier 1 risk-based capital ratio | 14.6577% | 3,864 |
| Total risk-based capital ratio | 15.5197% | 4,096 |
| Memoranda: | ||
| Average total assets | $111,576,000 | 4,603 |
| Average earning assets | $106,812,000 | 4,482 |
| Average equity | $8,778,800 | 5,342 |
| Average total loans | $50,149,600 | 5,260 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 6,890 |
| Cost of funding earning assets | 0.5922% | 6,315 |
| Net interest margin | 3.1524% | 6,282 |
| Noninterest income to average assets | 0.3081% | 5,392 |
| Noninterest expense to average assets | 2.2244% | 6,224 |
| Loan and lease loss provision to assets | 0.0181% | 6,212 |
| Net operating income to assets | 1.0886% | 2,015 |
| Return on assets (ROA) | 1.0886% | 2,157 |
| Pretax return on assets | 1.0886% | 3,061 |
| Return on Equity (ROE) | 13.6783% | 1,114 |
| Retained earnings to average equity (ytd only) | 7.6058% | 1,660 |
| Net charge-offs to loans | 0.0028% | 6,160 |
| Credit loss provision to net charge-offs | 1,500.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 918.2707% | 33 |
| Efficiency ratio | 66.7755% | 4,570 |
| Assets per employee ($millions) | 4.4072% | 3,065 |
| Cash dividends to net income (ytd only)* | 44.3952% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 6,175 |
| Loan loss allowance to noncurrent loans | 43.6918% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 4,627 |
| Noncurrent loans to loans | 2.3301% | 2,974 |
| Net loans and leases to total assets | 45.5328% | 6,187 |
| Net loans and leases to deposits | 50.7127% | 6,464 |
| Net loans and leases to core deposits | 57.1539% | 6,211 |
| Total domestic deposits to total assets | 89.7858% | 988 |
| Equity capital to assets | 8.3509% | 6,443 |
| Core capital (leverage) ratio | 8.6005% | 5,551 |
| Tier 1 risk-based capital ratio | 15.9108% | 3,164 |
| Total risk-based capital ratio | 16.7712% | 3,338 |
| Memoranda: | ||
| Average total assets | $110,351,000 | 4,664 |
| Average earning assets | $105,821,000 | 4,529 |
| Average equity | $8,782,500 | 5,365 |
| Average total loans | $48,078,750 | 5,380 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7432% | 6,976 |
| Cost of funding earning assets | 0.6141% | 6,387 |
| Net interest margin | 3.1291% | 6,340 |
| Noninterest income to average assets | 0.3243% | 5,298 |
| Noninterest expense to average assets | 2.3024% | 6,118 |
| Loan and lease loss provision to assets | -0.0217% | 7,381 |
| Net operating income to assets | 1.0434% | 2,057 |
| Return on assets (ROA) | 1.0434% | 2,153 |
| Pretax return on assets | 1.0434% | 3,063 |
| Return on Equity (ROE) | 13.3287% | 1,130 |
| Retained earnings to average equity (ytd only) | 6.3867% | 2,198 |
| Net charge-offs to loans | 0.0085% | 5,735 |
| Credit loss provision to net charge-offs | -600.0000% | 6,517 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 122 |
| Efficiency ratio | 69.2643% | 4,270 |
| Assets per employee ($millions) | 4.3255% | 3,122 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 6,106 |
| Loan loss allowance to noncurrent loans | 40.9740% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 1.0590% | 4,771 |
| Noncurrent loans to loans | 2.5831% | 2,792 |
| Net loans and leases to total assets | 40.5648% | 6,701 |
| Net loans and leases to deposits | 44.9206% | 6,885 |
| Net loans and leases to core deposits | 51.4237% | 6,692 |
| Total domestic deposits to total assets | 90.3034% | 813 |
| Equity capital to assets | 7.8693% | 6,759 |
| Core capital (leverage) ratio | 8.3758% | 5,743 |
| Tier 1 risk-based capital ratio | 16.4818% | 2,748 |
| Total risk-based capital ratio | 17.3453% | 2,898 |
| Memoranda: | ||
| Average total assets | $110,408,000 | 4,694 |
| Average earning assets | $105,846,670 | 4,569 |
| Average equity | $8,643,000 | 5,417 |
| Average total loans | $47,210,330 | 5,469 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 6,957 |
| Cost of funding earning assets | 0.6288% | 6,480 |
| Net interest margin | 3.1666% | 6,175 |
| Noninterest income to average assets | 0.3949% | 4,738 |
| Noninterest expense to average assets | 2.3039% | 6,171 |
| Loan and lease loss provision to assets | 0.1316% | 4,352 |
| Net operating income to assets | 0.9983% | 2,184 |
| Return on assets (ROA) | 0.9983% | 2,232 |
| Pretax return on assets | 0.9983% | 3,136 |
| Return on Equity (ROE) | 12.7876% | 1,250 |
| Retained earnings to average equity (ytd only) | 3.4194% | 4,139 |
| Net charge-offs to loans | 0.0084% | 4,994 |
| Credit loss provision to net charge-offs | 3,600.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 309.0000% | 95 |
| Efficiency ratio | 67.0927% | 4,831 |
| Assets per employee ($millions) | 4.1149% | 3,607 |
| Cash dividends to net income (ytd only)* | 73.2601% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 5,845 |
| Loan loss allowance to noncurrent loans | 44.7127% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 4,765 |
| Noncurrent loans to loans | 2.5740% | 2,918 |
| Net loans and leases to total assets | 41.5136% | 6,668 |
| Net loans and leases to deposits | 46.1243% | 6,837 |
| Net loans and leases to core deposits | 53.1415% | 6,613 |
| Total domestic deposits to total assets | 90.0037% | 1,147 |
| Equity capital to assets | 7.7272% | 6,727 |
| Core capital (leverage) ratio | 8.4067% | 5,616 |
| Tier 1 risk-based capital ratio | 15.7397% | 3,028 |
| Total risk-based capital ratio | 16.6670% | 3,159 |
| Memoranda: | ||
| Average total assets | $109,381,000 | 4,750 |
| Average earning assets | $104,969,500 | 4,616 |
| Average equity | $8,539,500 | 5,448 |
| Average total loans | $47,761,500 | 5,487 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 7,040 |
| Cost of funding earning assets | 0.7137% | 6,842 |
| Net interest margin | 3.3925% | 5,663 |
| Noninterest income to average assets | 0.3290% | 5,437 |
| Noninterest expense to average assets | 2.3236% | 6,293 |
| Loan and lease loss provision to assets | 0.0010% | 7,039 |
| Net operating income to assets | 1.2533% | 1,285 |
| Return on assets (ROA) | 1.2533% | 1,358 |
| Pretax return on assets | 1.2533% | 2,070 |
| Return on Equity (ROE) | 13.9179% | 898 |
| Retained earnings to average equity (ytd only) | 1.7289% | 4,651 |
| Net charge-offs to loans | -0.0045% | 7,257 |
| Credit loss provision to net charge-offs | -50.0000% | 7,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9425% | 5,177 |
| Assets per employee ($millions) | 4.3064% | 3,193 |
| Cash dividends to net income (ytd only)* | 87.5781% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 6,249 |
| Loan loss allowance to noncurrent loans | 41.3169% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 1.1285% | 4,753 |
| Noncurrent loans to loans | 2.4865% | 3,037 |
| Net loans and leases to total assets | 44.9206% | 6,642 |
| Net loans and leases to deposits | 50.3871% | 6,836 |
| Net loans and leases to core deposits | 56.8236% | 6,643 |
| Total domestic deposits to total assets | 89.1511% | 1,566 |
| Equity capital to assets | 7.8896% | 6,596 |
| Core capital (leverage) ratio | 8.9364% | 4,641 |
| Tier 1 risk-based capital ratio | 14.5391% | 3,517 |
| Total risk-based capital ratio | 15.3465% | 3,774 |
| Memoranda: | ||
| Average total assets | $102,127,600 | 4,924 |
| Average earning assets | $97,802,600 | 4,780 |
| Average equity | $9,196,800 | 5,359 |
| Average total loans | $44,477,600 | 5,724 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 7,080 |
| Cost of funding earning assets | 0.7349% | 6,958 |
| Net interest margin | 3.4729% | 5,407 |
| Noninterest income to average assets | 0.3282% | 5,530 |
| Noninterest expense to average assets | 2.3716% | 6,111 |
| Loan and lease loss provision to assets | 0.0079% | 6,943 |
| Net operating income to assets | 1.2758% | 1,399 |
| Return on assets (ROA) | 1.2758% | 1,483 |
| Pretax return on assets | 1.2758% | 2,246 |
| Return on Equity (ROE) | 13.7135% | 1,093 |
| Retained earnings to average equity (ytd only) | 2.9020% | 4,392 |
| Net charge-offs to loans | -0.0062% | 7,226 |
| Credit loss provision to net charge-offs | -300.0000% | 6,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8805% | 5,071 |
| Assets per employee ($millions) | 3.7775% | 4,326 |
| Cash dividends to net income (ytd only)* | 78.8384% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 5,591 |
| Loan loss allowance to noncurrent loans | 41.3878% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 1.2473% | 4,656 |
| Noncurrent loans to loans | 2.8512% | 2,801 |
| Net loans and leases to total assets | 43.2292% | 6,894 |
| Net loans and leases to deposits | 48.8871% | 7,050 |
| Net loans and leases to core deposits | 53.6825% | 6,972 |
| Total domestic deposits to total assets | 88.4265% | 1,715 |
| Equity capital to assets | 9.5972% | 4,698 |
| Core capital (leverage) ratio | 9.2259% | 4,325 |
| Tier 1 risk-based capital ratio | 16.7584% | 2,428 |
| Total risk-based capital ratio | 17.6918% | 2,535 |
| Memoranda: | ||
| Average total assets | $100,744,250 | 5,021 |
| Average earning assets | $96,515,750 | 4,873 |
| Average equity | $9,372,500 | 5,388 |
| Average total loans | $43,381,000 | 5,854 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 7,170 |
| Cost of funding earning assets | 0.6936% | 7,208 |
| Net interest margin | 3.5069% | 5,218 |
| Noninterest income to average assets | 0.3386% | 5,438 |
| Noninterest expense to average assets | 2.3212% | 6,299 |
| Loan and lease loss provision to assets | 0.0256% | 6,684 |
| Net operating income to assets | 1.3565% | 1,178 |
| Return on assets (ROA) | 1.3565% | 1,248 |
| Pretax return on assets | 1.3565% | 1,930 |
| Return on Equity (ROE) | 14.7306% | 905 |
| Retained earnings to average equity (ytd only) | 3.8056% | 3,671 |
| Net charge-offs to loans | -0.0092% | 7,183 |
| Credit loss provision to net charge-offs | -650.0000% | 6,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6794% | 5,576 |
| Assets per employee ($millions) | 4.2391% | 3,320 |
| Cash dividends to net income (ytd only)* | 74.1655% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 5,389 |
| Loan loss allowance to noncurrent loans | 1,976.9231% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 7,339 |
| Noncurrent loans to loans | 0.0613% | 7,160 |
| Net loans and leases to total assets | 41.1842% | 7,086 |
| Net loans and leases to deposits | 46.2927% | 7,238 |
| Net loans and leases to core deposits | 50.9739% | 7,172 |
| Total domestic deposits to total assets | 88.9648% | 1,462 |
| Equity capital to assets | 9.1077% | 5,283 |
| Core capital (leverage) ratio | 9.1645% | 4,356 |
| Tier 1 risk-based capital ratio | 16.9315% | 2,305 |
| Total risk-based capital ratio | 17.8903% | 2,374 |
| Memoranda: | ||
| Average total assets | $101,587,000 | 5,033 |
| Average earning assets | $97,463,670 | 4,890 |
| Average equity | $9,354,670 | 5,400 |
| Average total loans | $43,519,670 | 5,887 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 7,255 |
| Cost of funding earning assets | 0.6957% | 7,339 |
| Net interest margin | 3.5111% | 5,111 |
| Noninterest income to average assets | 0.3546% | 5,302 |
| Noninterest expense to average assets | 2.3052% | 6,361 |
| Loan and lease loss provision to assets | -0.0236% | 7,846 |
| Net operating income to assets | 1.4540% | 977 |
| Return on assets (ROA) | 1.4540% | 1,051 |
| Pretax return on assets | 1.4540% | 1,629 |
| Return on Equity (ROE) | 15.7038% | 762 |
| Retained earnings to average equity (ytd only) | 5.0644% | 3,123 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7089% | 5,887 |
| Assets per employee ($millions) | 3.9427% | 4,008 |
| Cash dividends to net income (ytd only)* | 67.7507% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 5,750 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 7,414 |
| Noncurrent loans to loans | 0.0796% | 7,192 |
| Net loans and leases to total assets | 41.1710% | 7,167 |
| Net loans and leases to deposits | 46.5248% | 7,311 |
| Net loans and leases to core deposits | 52.0292% | 7,197 |
| Total domestic deposits to total assets | 88.4927% | 1,789 |
| Equity capital to assets | 9.1533% | 5,059 |
| Core capital (leverage) ratio | 9.0779% | 4,419 |
| Tier 1 risk-based capital ratio | 16.6920% | 2,379 |
| Total risk-based capital ratio | 17.6046% | 2,463 |
| Memoranda: | ||
| Average total assets | $101,511,500 | 5,102 |
| Average earning assets | $97,747,000 | 4,935 |
| Average equity | $9,399,000 | 5,425 |
| Average total loans | $44,072,500 | 5,934 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 7,286 |
| Cost of funding earning assets | 0.9708% | 7,262 |
| Net interest margin | 3.6320% | 4,418 |
| Noninterest income to average assets | 0.3552% | 5,565 |
| Noninterest expense to average assets | 2.4343% | 6,356 |
| Loan and lease loss provision to assets | 0.0686% | 6,893 |
| Net operating income to assets | 1.3185% | 1,001 |
| Return on assets (ROA) | 1.3174% | 1,046 |
| Pretax return on assets | 1.3174% | 1,649 |
| Return on Equity (ROE) | 13.5155% | 867 |
| Retained earnings to average equity (ytd only) | 5.6078% | 1,520 |
| Net charge-offs to loans | 0.1337% | 5,864 |
| Credit loss provision to net charge-offs | 115.5172% | 4,717 |
| Earnings coverage of net charge-offs (x) | 23.3621% | 935 |
| Efficiency ratio | 63.7021% | 5,829 |
| Assets per employee ($millions) | 3.8659% | 4,101 |
| Cash dividends to net income (ytd only)* | 58.5082% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 5,909 |
| Loan loss allowance to noncurrent loans | 77.7259% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 5,862 |
| Noncurrent loans to loans | 1.4126% | 4,559 |
| Net loans and leases to total assets | 44.7191% | 7,075 |
| Net loans and leases to deposits | 50.2864% | 7,248 |
| Net loans and leases to core deposits | 72.3257% | 6,635 |
| Total domestic deposits to total assets | 88.9289% | 1,511 |
| Equity capital to assets | 9.3669% | 4,610 |
| Core capital (leverage) ratio | 9.5049% | 3,712 |
| Tier 1 risk-based capital ratio | 15.7358% | 2,628 |
| Total risk-based capital ratio | 16.6183% | 2,728 |
| Memoranda: | ||
| Average total assets | $97,688,800 | 5,149 |
| Average earning assets | $93,225,800 | 5,026 |
| Average equity | $9,522,400 | 5,440 |
| Average total loans | $43,385,800 | 5,964 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6927% | 7,297 |
| Cost of funding earning assets | 1.0398% | 7,305 |
| Net interest margin | 3.6530% | 4,263 |
| Noninterest income to average assets | 0.3437% | 5,746 |
| Noninterest expense to average assets | 2.3839% | 6,466 |
| Loan and lease loss provision to assets | 0.0811% | 6,555 |
| Net operating income to assets | 1.3514% | 1,118 |
| Return on assets (ROA) | 1.3514% | 1,182 |
| Pretax return on assets | 1.3514% | 1,821 |
| Return on Equity (ROE) | 13.7250% | 974 |
| Retained earnings to average equity (ytd only) | 8.7125% | 920 |
| Net charge-offs to loans | 0.1804% | 4,941 |
| Credit loss provision to net charge-offs | 101.7241% | 5,004 |
| Earnings coverage of net charge-offs (x) | 17.9659% | 1,373 |
| Efficiency ratio | 62.4640% | 6,025 |
| Assets per employee ($millions) | 3.7113% | 4,399 |
| Cash dividends to net income (ytd only)* | 36.5206% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 5,142 |
| Loan loss allowance to noncurrent loans | 76.2422% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 5,748 |
| Noncurrent loans to loans | 1.5681% | 4,285 |
| Net loans and leases to total assets | 43.7348% | 7,263 |
| Net loans and leases to deposits | 50.4175% | 7,390 |
| Net loans and leases to core deposits | 77.4301% | 6,531 |
| Total domestic deposits to total assets | 86.7453% | 2,306 |
| Equity capital to assets | 10.6863% | 3,305 |
| Core capital (leverage) ratio | 9.6746% | 3,683 |
| Tier 1 risk-based capital ratio | 17.3425% | 2,172 |
| Total risk-based capital ratio | 18.2901% | 2,214 |
| Memoranda: | ||
| Average total assets | $96,982,500 | 5,213 |
| Average earning assets | $92,197,250 | 5,095 |
| Average equity | $9,549,250 | 5,473 |
| Average total loans | $42,870,250 | 6,025 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 7,371 |
| Cost of funding earning assets | 1.0825% | 7,409 |
| Net interest margin | 3.6305% | 4,245 |
| Noninterest income to average assets | 0.3314% | 5,860 |
| Noninterest expense to average assets | 2.3744% | 6,543 |
| Loan and lease loss provision to assets | 0.1159% | 5,984 |
| Net operating income to assets | 1.2909% | 1,250 |
| Return on assets (ROA) | 1.2909% | 1,337 |
| Pretax return on assets | 1.2909% | 2,048 |
| Return on Equity (ROE) | 13.4715% | 1,081 |
| Retained earnings to average equity (ytd only) | 12.2198% | 409 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7957% | 6,122 |
| Assets per employee ($millions) | 3.6003% | 4,570 |
| Cash dividends to net income (ytd only)* | 9.2913% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 4,025 |
| Loan loss allowance to noncurrent loans | 75.8669% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 5,554 |
| Noncurrent loans to loans | 1.7682% | 3,856 |
| Net loans and leases to total assets | 41.3840% | 7,488 |
| Net loans and leases to deposits | 46.7160% | 7,610 |
| Net loans and leases to core deposits | 71.6903% | 6,918 |
| Total domestic deposits to total assets | 88.5864% | 1,488 |
| Equity capital to assets | 9.9116% | 4,064 |
| Core capital (leverage) ratio | 9.4399% | 3,974 |
| Tier 1 risk-based capital ratio | 17.0712% | 2,275 |
| Total risk-based capital ratio | 18.1158% | 2,296 |
| Memoranda: | ||
| Average total assets | $98,382,670 | 5,204 |
| Average earning assets | $93,486,000 | 5,082 |
| Average equity | $9,427,330 | 5,536 |
| Average total loans | $43,470,670 | 6,045 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8546% | 7,279 |
| Cost of funding earning assets | 1.1330% | 7,456 |
| Net interest margin | 3.7216% | 3,799 |
| Noninterest income to average assets | 0.3435% | 5,705 |
| Noninterest expense to average assets | 2.2067% | 6,852 |
| Loan and lease loss provision to assets | 0.2425% | 4,037 |
| Net operating income to assets | 1.4388% | 1,062 |
| Return on assets (ROA) | 1.4388% | 1,142 |
| Pretax return on assets | 1.4388% | 1,851 |
| Return on Equity (ROE) | 15.2732% | 925 |
| Retained earnings to average equity (ytd only) | 15.2732% | 387 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7568% | 6,862 |
| Assets per employee ($millions) | 3.8802% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 4,176 |
| Loan loss allowance to noncurrent loans | 57.6520% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 0.9835% | 4,734 |
| Noncurrent loans to loans | 2.2256% | 2,951 |
| Net loans and leases to total assets | 43.6219% | 7,374 |
| Net loans and leases to deposits | 49.0779% | 7,533 |
| Net loans and leases to core deposits | 71.9313% | 6,916 |
| Total domestic deposits to total assets | 88.8829% | 1,282 |
| Equity capital to assets | 9.8006% | 4,239 |
| Core capital (leverage) ratio | 9.0119% | 4,693 |
| Tier 1 risk-based capital ratio | 16.1100% | 2,651 |
| Total risk-based capital ratio | 17.1266% | 2,676 |
| Memoranda: | ||
| Average total assets | $98,969,500 | 5,207 |
| Average earning assets | $94,261,000 | 5,082 |
| Average equity | $9,323,500 | 5,596 |
| Average total loans | $44,818,000 | 6,023 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 7,556 |
| Cost of funding earning assets | 1.7621% | 7,107 |
| Net interest margin | 3.5763% | 4,987 |
| Noninterest income to average assets | 0.3821% | 5,625 |
| Noninterest expense to average assets | 2.3515% | 6,562 |
| Loan and lease loss provision to assets | 0.0118% | 7,221 |
| Net operating income to assets | 1.4102% | 1,207 |
| Return on assets (ROA) | 1.4113% | 1,161 |
| Pretax return on assets | 1.4113% | 1,938 |
| Return on Equity (ROE) | 16.3030% | 727 |
| Retained earnings to average equity (ytd only) | 4.5252% | 2,311 |
| Net charge-offs to loans | -0.0022% | 7,747 |
| Credit loss provision to net charge-offs | -1,100.0000% | 7,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3151% | 5,895 |
| Assets per employee ($millions) | 4.0374% | 3,439 |
| Cash dividends to net income (ytd only)* | 72.2433% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 5,646 |
| Loan loss allowance to noncurrent loans | 230.0469% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 6,727 |
| Noncurrent loans to loans | 0.4554% | 5,979 |
| Net loans and leases to total assets | 45.8523% | 7,346 |
| Net loans and leases to deposits | 53.5078% | 7,468 |
| Net loans and leases to core deposits | 76.0875% | 6,855 |
| Total domestic deposits to total assets | 85.6928% | 2,541 |
| Equity capital to assets | 9.0553% | 5,298 |
| Core capital (leverage) ratio | 8.5212% | 5,537 |
| Tier 1 risk-based capital ratio | 14.8753% | 3,112 |
| Total risk-based capital ratio | 15.7472% | 3,217 |
| Memoranda: | ||
| Average total assets | $93,176,400 | 5,251 |
| Average earning assets | $88,358,800 | 5,133 |
| Average equity | $8,066,000 | 6,063 |
| Average total loans | $45,750,400 | 5,891 |