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 | 5.1798% | 1,706 |
| Cost of funding earning assets | 2.6254% | 283 |
| Net interest margin | 2.5545% | 4,031 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 2.0589% | 3,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2317% | 1,578 |
| Return on assets (ROA) | 1.2317% | 1,553 |
| Pretax return on assets | 1.2317% | 2,061 |
| Return on Equity (ROE) | 12.4900% | 1,840 |
| Retained earnings to average equity (ytd only) | -2.5640% | 4,300 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.5700% | 2,774 |
| Assets per employee ($millions) | 6.0628% | 2,765 |
| Cash dividends to net income (ytd only)* | 120.5320% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 1,705 |
| Loan loss allowance to noncurrent loans | 425.8065% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 2,202 |
| Noncurrent loans to loans | 0.3087% | 2,082 |
| Net loans and leases to total assets | 65.3900% | 2,322 |
| Net loans and leases to deposits | 116.3521% | 111 |
| Net loans and leases to core deposits | 136.7952% | 303 |
| Total domestic deposits to total assets | 56.2000% | 4,458 |
| Equity capital to assets | 10.8471% | 1,564 |
| Core capital (leverage) ratio | 11.8063% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $195,345,200 | 3,015 |
| Average earning assets | $180,585,200 | 3,002 |
| Average equity | $19,267,000 | 2,925 |
| Average total loans | $104,570,600 | 3,127 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1045% | 1,629 |
| Cost of funding earning assets | 2.6395% | 219 |
| Net interest margin | 2.4650% | 4,177 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 1.9633% | 3,682 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1091% | 2,025 |
| Return on assets (ROA) | 1.1091% | 2,005 |
| Pretax return on assets | 1.1091% | 2,543 |
| Return on Equity (ROE) | 11.5100% | 2,250 |
| Retained earnings to average equity (ytd only) | -1.0234% | 4,253 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.9004% | 2,499 |
| Assets per employee ($millions) | 6.3064% | 2,490 |
| Cash dividends to net income (ytd only)* | 108.8929% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4799% | 1,164 |
| Loan loss allowance to noncurrent loans | 342.1166% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 2,032 |
| Noncurrent loans to loans | 0.4326% | 1,748 |
| Net loans and leases to total assets | 55.7400% | 3,229 |
| Net loans and leases to deposits | 92.7025% | 999 |
| Net loans and leases to core deposits | 124.9215% | 433 |
| Total domestic deposits to total assets | 60.1200% | 4,457 |
| Equity capital to assets | 9.9259% | 1,869 |
| Core capital (leverage) ratio | 11.3062% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $198,710,750 | 3,007 |
| Average earning assets | $184,120,500 | 2,992 |
| Average equity | $19,151,500 | 2,922 |
| Average total loans | $100,585,500 | 3,173 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 1,555 |
| Cost of funding earning assets | 2.6470% | 142 |
| Net interest margin | 2.3586% | 4,333 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 1.9496% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9907% | 2,449 |
| Return on assets (ROA) | 0.9907% | 2,438 |
| Pretax return on assets | 0.9907% | 2,940 |
| Return on Equity (ROE) | 10.3800% | 2,601 |
| Retained earnings to average equity (ytd only) | -8.3006% | 4,490 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.3073% | 2,194 |
| Assets per employee ($millions) | 6.4053% | 2,376 |
| Cash dividends to net income (ytd only)* | 180.0000% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 923 |
| Loan loss allowance to noncurrent loans | 127.5362% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6463% | 825 |
| Noncurrent loans to loans | 1.2589% | 564 |
| Net loans and leases to total assets | 50.5200% | 3,523 |
| Net loans and leases to deposits | 83.3222% | 1,737 |
| Net loans and leases to core deposits | 112.1001% | 745 |
| Total domestic deposits to total assets | 60.6300% | 4,482 |
| Equity capital to assets | 9.8268% | 1,960 |
| Core capital (leverage) ratio | 9.7822% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $201,883,667 | 2,989 |
| Average earning assets | $187,233,667 | 2,982 |
| Average equity | $19,275,667 | 2,919 |
| Average total loans | $98,436,000 | 3,191 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 1,857 |
| Cost of funding earning assets | 2.3664% | 127 |
| Net interest margin | 2.3310% | 4,431 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 1.9115% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9848% | 2,579 |
| Return on assets (ROA) | 0.9848% | 2,547 |
| Pretax return on assets | 0.9848% | 3,040 |
| Return on Equity (ROE) | 10.4600% | 2,649 |
| Retained earnings to average equity (ytd only) | -26.5201% | 4,627 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.9987% | 2,206 |
| Assets per employee ($millions) | 6.9427% | 2,018 |
| Cash dividends to net income (ytd only)* | 353.6346% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 809 |
| Loan loss allowance to noncurrent loans | 360.0000% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 2,082 |
| Noncurrent loans to loans | 0.4728% | 1,534 |
| Net loans and leases to total assets | 43.9200% | 3,873 |
| Net loans and leases to deposits | 65.4587% | 2,978 |
| Net loans and leases to core deposits | 104.0106% | 922 |
| Total domestic deposits to total assets | 67.0900% | 4,469 |
| Equity capital to assets | 9.0455% | 2,481 |
| Core capital (leverage) ratio | 9.5524% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $206,746,000 | 2,986 |
| Average earning assets | $191,853,000 | 2,985 |
| Average equity | $19,472,000 | 2,937 |
| Average total loans | $98,326,000 | 3,226 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 1,700 |
| Cost of funding earning assets | 1.0464% | 136 |
| Net interest margin | 2.9607% | 3,544 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.1617% | 3,122 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4485% | 1,011 |
| Return on assets (ROA) | 1.4485% | 971 |
| Pretax return on assets | 1.4485% | 1,621 |
| Return on Equity (ROE) | 13.2300% | 1,729 |
| Retained earnings to average equity (ytd only) | 5.8333% | 2,705 |
| Net charge-offs to loans | -0.0009% | 3,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.8774% | 3,075 |
| Assets per employee ($millions) | 6.8404% | 2,088 |
| Cash dividends to net income (ytd only)* | 55.9076% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 1,121 |
| Loan loss allowance to noncurrent loans | 357.5621% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 2,083 |
| Noncurrent loans to loans | 0.4276% | 1,647 |
| Net loans and leases to total assets | 49.7100% | 3,525 |
| Net loans and leases to deposits | 78.1022% | 1,939 |
| Net loans and leases to core deposits | 127.0253% | 262 |
| Total domestic deposits to total assets | 63.6500% | 4,547 |
| Equity capital to assets | 9.7967% | 1,828 |
| Core capital (leverage) ratio | 10.1664% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $185,224,600 | 3,143 |
| Average earning assets | $170,869,000 | 3,138 |
| Average equity | $20,280,200 | 2,931 |
| Average total loans | $106,547,200 | 3,067 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7661% | 1,848 |
| Cost of funding earning assets | 0.7288% | 227 |
| Net interest margin | 3.0373% | 3,124 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.1276% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4248% | 1,021 |
| Return on assets (ROA) | 1.4248% | 992 |
| Pretax return on assets | 1.4248% | 1,648 |
| Return on Equity (ROE) | 12.6300% | 1,827 |
| Retained earnings to average equity (ytd only) | 2.7946% | 3,838 |
| Net charge-offs to loans | -0.0025% | 3,313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.8917% | 3,125 |
| Assets per employee ($millions) | 6.5243% | 2,299 |
| Cash dividends to net income (ytd only)* | 77.8816% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 1,294 |
| Loan loss allowance to noncurrent loans | 322.8106% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 1,965 |
| Noncurrent loans to loans | 0.4642% | 1,640 |
| Net loans and leases to total assets | 53.2300% | 3,163 |
| Net loans and leases to deposits | 84.9673% | 1,238 |
| Net loans and leases to core deposits | 134.9752% | 124 |
| Total domestic deposits to total assets | 62.6500% | 4,614 |
| Equity capital to assets | 9.5949% | 1,833 |
| Core capital (leverage) ratio | 10.7030% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $180,228,000 | 3,208 |
| Average earning assets | $166,108,750 | 3,216 |
| Average equity | $20,324,250 | 2,966 |
| Average total loans | $107,284,500 | 3,067 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6553% | 1,668 |
| Cost of funding earning assets | 0.5309% | 438 |
| Net interest margin | 3.1244% | 2,460 |
| Noninterest income to average assets | 0.6478% | 1,550 |
| Noninterest expense to average assets | 2.1787% | 2,924 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3470% | 1,028 |
| Return on assets (ROA) | 1.3470% | 1,008 |
| Pretax return on assets | 1.3470% | 1,592 |
| Return on Equity (ROE) | 11.3153% | 1,886 |
| Retained earnings to average equity (ytd only) | -3.0808% | 4,458 |
| Net charge-offs to loans | 0.0074% | 1,723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 294.7500% | 411 |
| Efficiency ratio | 61.7952% | 3,068 |
| Assets per employee ($millions) | 6.2835% | 2,493 |
| Cash dividends to net income (ytd only)* | 127.2265% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 1,609 |
| Loan loss allowance to noncurrent loans | 198.4925% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 1,344 |
| Noncurrent loans to loans | 0.7239% | 1,193 |
| Net loans and leases to total assets | 57.4947% | 2,583 |
| Net loans and leases to deposits | 93.9845% | 519 |
| Net loans and leases to core deposits | 133.7410% | 101 |
| Total domestic deposits to total assets | 61.1747% | 4,683 |
| Equity capital to assets | 10.3662% | 1,499 |
| Core capital (leverage) ratio | 12.0284% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,060,667 | 3,288 |
| Average earning assets | $161,247,333 | 3,304 |
| Average equity | $20,839,000 | 2,984 |
| Average total loans | $107,789,000 | 3,096 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 1,171 |
| Cost of funding earning assets | 0.4621% | 609 |
| Net interest margin | 3.2938% | 1,578 |
| Noninterest income to average assets | 0.7105% | 1,282 |
| Noninterest expense to average assets | 2.2716% | 2,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4709% | 678 |
| Return on assets (ROA) | 1.4709% | 671 |
| Pretax return on assets | 1.4709% | 1,075 |
| Return on Equity (ROE) | 11.5227% | 1,446 |
| Retained earnings to average equity (ytd only) | -16.3999% | 4,659 |
| Net charge-offs to loans | -0.0300% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6984% | 3,410 |
| Assets per employee ($millions) | 5.4097% | 3,383 |
| Cash dividends to net income (ytd only)* | 242.3263% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 1,391 |
| Loan loss allowance to noncurrent loans | 199.1239% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 1,275 |
| Noncurrent loans to loans | 0.7810% | 1,219 |
| Net loans and leases to total assets | 60.0590% | 2,058 |
| Net loans and leases to deposits | 100.7926% | 159 |
| Net loans and leases to core deposits | 121.0259% | 144 |
| Total domestic deposits to total assets | 59.5868% | 4,729 |
| Equity capital to assets | 11.9386% | 980 |
| Core capital (leverage) ratio | 12.0191% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,338,000 | 3,361 |
| Average earning assets | $154,960,000 | 3,365 |
| Average equity | $21,488,000 | 3,019 |
| Average total loans | $106,703,000 | 3,101 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8898% | 311 |
| Cost of funding earning assets | 0.5353% | 768 |
| Net interest margin | 4.3545% | 367 |
| Noninterest income to average assets | 0.8934% | 1,220 |
| Noninterest expense to average assets | 2.4260% | 2,410 |
| Loan and lease loss provision to assets | 0.1277% | 957 |
| Net operating income to assets | 2.3347% | 195 |
| Return on assets (ROA) | 2.4809% | 166 |
| Pretax return on assets | 2.4809% | 264 |
| Return on Equity (ROE) | 17.5185% | 513 |
| Retained earnings to average equity (ytd only) | 6.2453% | 2,253 |
| Net charge-offs to loans | 0.0118% | 2,126 |
| Credit loss provision to net charge-offs | 1,666.6667% | 353 |
| Earnings coverage of net charge-offs (x) | 321.3333% | 384 |
| Efficiency ratio | 49.6277% | 4,311 |
| Assets per employee ($millions) | 5.4508% | 3,308 |
| Cash dividends to net income (ytd only)* | 64.3501% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 1,822 |
| Loan loss allowance to noncurrent loans | 182.3733% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 1,303 |
| Noncurrent loans to loans | 0.7813% | 1,303 |
| Net loans and leases to total assets | 64.8098% | 1,608 |
| Net loans and leases to deposits | 109.7776% | 83 |
| Net loans and leases to core deposits | 122.0568% | 152 |
| Total domestic deposits to total assets | 59.0374% | 4,772 |
| Equity capital to assets | 13.5848% | 745 |
| Core capital (leverage) ratio | 12.4995% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,595,200 | 3,426 |
| Average earning assets | $143,667,200 | 3,434 |
| Average equity | $22,176,600 | 3,046 |
| Average total loans | $101,990,400 | 3,170 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0874% | 262 |
| Cost of funding earning assets | 0.5556% | 805 |
| Net interest margin | 4.5318% | 295 |
| Noninterest income to average assets | 0.9251% | 1,202 |
| Noninterest expense to average assets | 2.4078% | 2,415 |
| Loan and lease loss provision to assets | 0.0866% | 1,371 |
| Net operating income to assets | 2.5893% | 193 |
| Return on assets (ROA) | 2.7891% | 156 |
| Pretax return on assets | 2.7891% | 231 |
| Return on Equity (ROE) | 19.4761% | 466 |
| Retained earnings to average equity (ytd only) | 4.3125% | 3,474 |
| Net charge-offs to loans | 0.0160% | 1,755 |
| Credit loss provision to net charge-offs | 833.3333% | 571 |
| Earnings coverage of net charge-offs (x) | 256.7500% | 475 |
| Efficiency ratio | 47.3603% | 4,422 |
| Assets per employee ($millions) | 5.3426% | 3,360 |
| Cash dividends to net income (ytd only)* | 77.8574% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 1,975 |
| Loan loss allowance to noncurrent loans | 256.1313% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 2,036 |
| Noncurrent loans to loans | 0.5512% | 1,936 |
| Net loans and leases to total assets | 62.5285% | 1,939 |
| Net loans and leases to deposits | 99.7054% | 230 |
| Net loans and leases to core deposits | 114.0942% | 252 |
| Total domestic deposits to total assets | 62.7133% | 4,822 |
| Equity capital to assets | 13.6769% | 812 |
| Core capital (leverage) ratio | 13.2912% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,500,000 | 3,489 |
| Average earning assets | $140,868,500 | 3,503 |
| Average equity | $21,982,000 | 3,090 |
| Average total loans | $99,714,000 | 3,244 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5562% | 159 |
| Cost of funding earning assets | 0.5713% | 866 |
| Net interest margin | 4.9850% | 169 |
| Noninterest income to average assets | 0.8123% | 1,506 |
| Noninterest expense to average assets | 2.4301% | 2,366 |
| Loan and lease loss provision to assets | 0.1338% | 919 |
| Net operating income to assets | 2.8141% | 152 |
| Return on assets (ROA) | 3.1179% | 117 |
| Pretax return on assets | 3.1179% | 166 |
| Return on Equity (ROE) | 21.4168% | 357 |
| Retained earnings to average equity (ytd only) | -1.5626% | 4,643 |
| Net charge-offs to loans | 0.0245% | 1,454 |
| Credit loss provision to net charge-offs | 833.3333% | 522 |
| Earnings coverage of net charge-offs (x) | 183.5833% | 523 |
| Efficiency ratio | 45.1854% | 4,557 |
| Assets per employee ($millions) | 4.9243% | 3,720 |
| Cash dividends to net income (ytd only)* | 107.2961% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 1,746 |
| Loan loss allowance to noncurrent loans | 126.6212% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 1,070 |
| Noncurrent loans to loans | 1.1492% | 1,052 |
| Net loans and leases to total assets | 65.8330% | 1,706 |
| Net loans and leases to deposits | 106.7414% | 150 |
| Net loans and leases to core deposits | 124.3685% | 172 |
| Total domestic deposits to total assets | 61.6752% | 4,858 |
| Equity capital to assets | 14.1248% | 692 |
| Core capital (leverage) ratio | 13.2454% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,459,333 | 3,530 |
| Average earning assets | $136,892,000 | 3,550 |
| Average equity | $21,758,667 | 3,110 |
| Average total loans | $97,937,333 | 3,287 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9311% | 122 |
| Cost of funding earning assets | 0.5857% | 936 |
| Net interest margin | 5.3454% | 128 |
| Noninterest income to average assets | 0.9252% | 1,266 |
| Noninterest expense to average assets | 2.4834% | 2,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.3058% | 121 |
| Return on assets (ROA) | 3.9117% | 89 |
| Pretax return on assets | 3.9117% | 108 |
| Return on Equity (ROE) | 26.4629% | 218 |
| Retained earnings to average equity (ytd only) | -0.9882% | 4,464 |
| Net charge-offs to loans | 0.0459% | 1,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 111.0909% | 574 |
| Efficiency ratio | 42.8972% | 4,637 |
| Assets per employee ($millions) | 4.9786% | 3,683 |
| Cash dividends to net income (ytd only)* | 103.7344% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 1,968 |
| Loan loss allowance to noncurrent loans | 242.8070% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3816% | 2,273 |
| Noncurrent loans to loans | 0.5756% | 2,129 |
| Net loans and leases to total assets | 65.3707% | 1,888 |
| Net loans and leases to deposits | 99.3629% | 308 |
| Net loans and leases to core deposits | 114.9671% | 302 |
| Total domestic deposits to total assets | 65.7898% | 4,842 |
| Equity capital to assets | 14.4772% | 578 |
| Core capital (leverage) ratio | 13.7154% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,862,500 | 3,547 |
| Average earning assets | $134,546,000 | 3,581 |
| Average equity | $21,857,000 | 3,086 |
| Average total loans | $95,916,000 | 3,325 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 989 |
| Cost of funding earning assets | 0.8237% | 1,114 |
| Net interest margin | 3.8289% | 1,425 |
| Noninterest income to average assets | 0.9156% | 1,229 |
| Noninterest expense to average assets | 2.3568% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.0530% | 240 |
| Return on assets (ROA) | 2.0605% | 252 |
| Pretax return on assets | 2.0605% | 401 |
| Return on Equity (ROE) | 14.6600% | 695 |
| Retained earnings to average equity (ytd only) | 9.8025% | 626 |
| Net charge-offs to loans | -0.0182% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4448% | 4,262 |
| Assets per employee ($millions) | 4.8789% | 3,523 |
| Cash dividends to net income (ytd only)* | 33.1345% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 1,576 |
| Loan loss allowance to noncurrent loans | 195.9270% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 2,105 |
| Noncurrent loans to loans | 0.7672% | 1,793 |
| Net loans and leases to total assets | 62.4571% | 2,544 |
| Net loans and leases to deposits | 97.4096% | 490 |
| Net loans and leases to core deposits | 113.5335% | 421 |
| Total domestic deposits to total assets | 64.1180% | 4,881 |
| Equity capital to assets | 15.0930% | 560 |
| Core capital (leverage) ratio | 14.1871% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,468,400 | 3,440 |
| Average earning assets | $133,668,800 | 3,460 |
| Average equity | $20,586,600 | 3,132 |
| Average total loans | $93,291,400 | 3,355 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 1,089 |
| Cost of funding earning assets | 0.8853% | 1,117 |
| Net interest margin | 3.8049% | 1,604 |
| Noninterest income to average assets | 0.8928% | 1,245 |
| Noninterest expense to average assets | 2.3254% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.0487% | 265 |
| Return on assets (ROA) | 2.0551% | 288 |
| Pretax return on assets | 2.0551% | 465 |
| Return on Equity (ROE) | 14.8962% | 709 |
| Retained earnings to average equity (ytd only) | 8.2991% | 1,211 |
| Net charge-offs to loans | -0.0086% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1627% | 4,237 |
| Assets per employee ($millions) | 4.8454% | 3,434 |
| Cash dividends to net income (ytd only)* | 44.2870% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 1,402 |
| Loan loss allowance to noncurrent loans | 235.6048% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 2,557 |
| Noncurrent loans to loans | 0.6337% | 2,209 |
| Net loans and leases to total assets | 62.7764% | 2,911 |
| Net loans and leases to deposits | 101.2977% | 482 |
| Net loans and leases to core deposits | 119.7672% | 419 |
| Total domestic deposits to total assets | 61.9722% | 4,913 |
| Equity capital to assets | 14.8698% | 668 |
| Core capital (leverage) ratio | 13.5221% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,494,000 | 3,429 |
| Average earning assets | $134,034,000 | 3,447 |
| Average equity | $20,210,500 | 3,164 |
| Average total loans | $93,411,500 | 3,355 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7550% | 1,267 |
| Cost of funding earning assets | 0.9772% | 1,052 |
| Net interest margin | 3.7778% | 1,893 |
| Noninterest income to average assets | 0.7421% | 1,605 |
| Noninterest expense to average assets | 2.3190% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8819% | 416 |
| Return on assets (ROA) | 1.9446% | 414 |
| Pretax return on assets | 1.9446% | 618 |
| Return on Equity (ROE) | 14.4664% | 795 |
| Retained earnings to average equity (ytd only) | 4.3359% | 2,763 |
| Net charge-offs to loans | -0.0085% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2026% | 4,039 |
| Assets per employee ($millions) | 4.9040% | 3,294 |
| Cash dividends to net income (ytd only)* | 70.0280% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 1,368 |
| Loan loss allowance to noncurrent loans | 184.2667% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 2,308 |
| Noncurrent loans to loans | 0.7956% | 1,902 |
| Net loans and leases to total assets | 63.1376% | 2,987 |
| Net loans and leases to deposits | 99.6439% | 575 |
| Net loans and leases to core deposits | 117.8184% | 481 |
| Total domestic deposits to total assets | 63.3632% | 4,925 |
| Equity capital to assets | 13.9682% | 865 |
| Core capital (leverage) ratio | 12.7987% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,871,333 | 3,407 |
| Average earning assets | $134,468,667 | 3,411 |
| Average equity | $19,742,333 | 3,200 |
| Average total loans | $93,670,000 | 3,341 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6788% | 1,780 |
| Cost of funding earning assets | 1.1295% | 956 |
| Net interest margin | 3.5493% | 2,820 |
| Noninterest income to average assets | 0.7251% | 1,549 |
| Noninterest expense to average assets | 2.4041% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5673% | 667 |
| Return on assets (ROA) | 1.6327% | 643 |
| Pretax return on assets | 1.6327% | 986 |
| Return on Equity (ROE) | 12.3898% | 1,014 |
| Retained earnings to average equity (ytd only) | -8.2943% | 4,704 |
| Net charge-offs to loans | -0.0086% | 4,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5353% | 3,672 |
| Assets per employee ($millions) | 4.9049% | 2,743 |
| Cash dividends to net income (ytd only)* | 166.9449% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 1,447 |
| Loan loss allowance to noncurrent loans | 215.6250% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 2,726 |
| Noncurrent loans to loans | 0.6816% | 2,291 |
| Net loans and leases to total assets | 62.8705% | 3,208 |
| Net loans and leases to deposits | 107.7375% | 241 |
| Net loans and leases to core deposits | 136.6116% | 196 |
| Total domestic deposits to total assets | 58.3553% | 5,034 |
| Equity capital to assets | 12.8966% | 1,489 |
| Core capital (leverage) ratio | 12.4542% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,747,000 | 3,368 |
| Average earning assets | $134,222,000 | 3,396 |
| Average equity | $19,338,500 | 3,232 |
| Average total loans | $93,370,000 | 3,335 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7601% | 2,165 |
| Cost of funding earning assets | 1.4346% | 495 |
| Net interest margin | 3.3255% | 3,930 |
| Noninterest income to average assets | 0.9931% | 984 |
| Noninterest expense to average assets | 2.3758% | 3,749 |
| Loan and lease loss provision to assets | 0.0691% | 2,628 |
| Net operating income to assets | 1.5933% | 850 |
| Return on assets (ROA) | 1.6009% | 891 |
| Pretax return on assets | 1.6009% | 1,484 |
| Return on Equity (ROE) | 12.5490% | 1,313 |
| Retained earnings to average equity (ytd only) | 7.1353% | 1,334 |
| Net charge-offs to loans | 0.0098% | 3,332 |
| Credit loss provision to net charge-offs | 1,111.1111% | 311 |
| Earnings coverage of net charge-offs (x) | 267.4444% | 312 |
| Efficiency ratio | 58.8336% | 3,861 |
| Assets per employee ($millions) | 4.8782% | 2,733 |
| Cash dividends to net income (ytd only)* | 43.1406% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 1,273 |
| Loan loss allowance to noncurrent loans | 150.2179% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 2,009 |
| Noncurrent loans to loans | 0.9887% | 1,538 |
| Net loans and leases to total assets | 62.5015% | 3,356 |
| Net loans and leases to deposits | 102.0449% | 466 |
| Net loans and leases to core deposits | 137.6157% | 190 |
| Total domestic deposits to total assets | 61.2489% | 5,078 |
| Equity capital to assets | 13.4612% | 1,294 |
| Core capital (leverage) ratio | 12.3538% | 1,565 |
| Tier 1 risk-based capital ratio | 14.6387% | 2,936 |
| Total risk-based capital ratio | 15.7517% | 2,919 |
| Memoranda: | ||
| Average total assets | $144,794,000 | 3,371 |
| Average earning assets | $132,580,200 | 3,384 |
| Average equity | $18,471,600 | 3,282 |
| Average total loans | $91,705,000 | 3,361 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 2,719 |
| Cost of funding earning assets | 1.4609% | 467 |
| Net interest margin | 3.1393% | 4,415 |
| Noninterest income to average assets | 0.9436% | 1,054 |
| Noninterest expense to average assets | 2.2889% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5318% | 1,112 |
| Return on assets (ROA) | 1.5419% | 1,135 |
| Pretax return on assets | 1.5419% | 1,835 |
| Return on Equity (ROE) | 12.2580% | 1,530 |
| Retained earnings to average equity (ytd only) | 4.9179% | 2,930 |
| Net charge-offs to loans | -0.0102% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9082% | 3,666 |
| Assets per employee ($millions) | 4.8930% | 2,671 |
| Cash dividends to net income (ytd only)* | 59.8803% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 1,638 |
| Loan loss allowance to noncurrent loans | 74.7113% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.1799% | 1,082 |
| Noncurrent loans to loans | 1.8524% | 760 |
| Net loans and leases to total assets | 62.8167% | 3,407 |
| Net loans and leases to deposits | 106.5139% | 300 |
| Net loans and leases to core deposits | 146.7696% | 138 |
| Total domestic deposits to total assets | 58.9751% | 5,170 |
| Equity capital to assets | 13.0364% | 1,600 |
| Core capital (leverage) ratio | 12.2017% | 1,731 |
| Tier 1 risk-based capital ratio | 13.4345% | 3,608 |
| Total risk-based capital ratio | 14.4285% | 3,656 |
| Memoranda: | ||
| Average total assets | $144,405,750 | 3,405 |
| Average earning assets | $132,338,750 | 3,419 |
| Average equity | $18,164,500 | 3,345 |
| Average total loans | $91,419,250 | 3,411 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5285% | 2,921 |
| Cost of funding earning assets | 1.4381% | 470 |
| Net interest margin | 3.0905% | 4,551 |
| Noninterest income to average assets | 0.8300% | 1,254 |
| Noninterest expense to average assets | 2.3104% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3509% | 1,571 |
| Return on assets (ROA) | 1.3676% | 1,582 |
| Pretax return on assets | 1.3676% | 2,312 |
| Return on Equity (ROE) | 11.0086% | 1,966 |
| Retained earnings to average equity (ytd only) | -0.2018% | 4,716 |
| Net charge-offs to loans | -0.0132% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1038% | 3,268 |
| Assets per employee ($millions) | 4.7057% | 2,871 |
| Cash dividends to net income (ytd only)* | 101.8330% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 1,504 |
| Loan loss allowance to noncurrent loans | 106.8595% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8571% | 1,637 |
| Noncurrent loans to loans | 1.3363% | 1,165 |
| Net loans and leases to total assets | 63.2252% | 3,428 |
| Net loans and leases to deposits | 102.2628% | 520 |
| Net loans and leases to core deposits | 142.1869% | 181 |
| Total domestic deposits to total assets | 61.8262% | 5,196 |
| Equity capital to assets | 13.0276% | 1,575 |
| Core capital (leverage) ratio | 12.1851% | 1,707 |
| Tier 1 risk-based capital ratio | 14.6113% | 3,014 |
| Total risk-based capital ratio | 15.7358% | 2,995 |
| Memoranda: | ||
| Average total assets | $143,611,330 | 3,439 |
| Average earning assets | $131,566,000 | 3,453 |
| Average equity | $17,840,670 | 3,374 |
| Average total loans | $90,725,000 | 3,443 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 3,111 |
| Cost of funding earning assets | 1.4147% | 432 |
| Net interest margin | 3.0168% | 4,723 |
| Noninterest income to average assets | 0.9031% | 1,034 |
| Noninterest expense to average assets | 2.3448% | 3,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3146% | 1,646 |
| Return on assets (ROA) | 1.3284% | 1,638 |
| Pretax return on assets | 1.3284% | 2,339 |
| Return on Equity (ROE) | 10.9533% | 1,965 |
| Retained earnings to average equity (ytd only) | -11.8186% | 5,154 |
| Net charge-offs to loans | -0.0088% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0755% | 3,226 |
| Assets per employee ($millions) | 4.5810% | 3,073 |
| Cash dividends to net income (ytd only)* | 207.9002% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 1,251 |
| Loan loss allowance to noncurrent loans | 119.4625% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 1,793 |
| Noncurrent loans to loans | 1.2781% | 1,286 |
| Net loans and leases to total assets | 60.4931% | 3,660 |
| Net loans and leases to deposits | 94.9984% | 1,062 |
| Net loans and leases to core deposits | 130.9790% | 299 |
| Total domestic deposits to total assets | 63.6780% | 5,246 |
| Equity capital to assets | 12.7157% | 1,618 |
| Core capital (leverage) ratio | 11.6451% | 2,024 |
| Tier 1 risk-based capital ratio | 14.3533% | 3,168 |
| Total risk-based capital ratio | 15.4883% | 3,153 |
| Memoranda: | ||
| Average total assets | $144,832,000 | 3,448 |
| Average earning assets | $132,324,000 | 3,480 |
| Average equity | $17,565,500 | 3,404 |
| Average total loans | $90,813,500 | 3,473 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 2,762 |
| Cost of funding earning assets | 1.1467% | 422 |
| Net interest margin | 3.2527% | 4,371 |
| Noninterest income to average assets | 0.9030% | 1,171 |
| Noninterest expense to average assets | 2.2296% | 4,277 |
| Loan and lease loss provision to assets | 0.0689% | 2,759 |
| Net operating income to assets | 1.5938% | 881 |
| Return on assets (ROA) | 1.5704% | 939 |
| Pretax return on assets | 1.5704% | 1,553 |
| Return on Equity (ROE) | 13.5667% | 1,154 |
| Retained earnings to average equity (ytd only) | 6.4264% | 1,964 |
| Net charge-offs to loans | -0.0169% | 4,646 |
| Credit loss provision to net charge-offs | -666.6667% | 4,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2819% | 4,252 |
| Assets per employee ($millions) | 5.0745% | 2,405 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 1,931 |
| Loan loss allowance to noncurrent loans | 172.2892% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 2,613 |
| Noncurrent loans to loans | 0.7685% | 2,080 |
| Net loans and leases to total assets | 63.0052% | 3,464 |
| Net loans and leases to deposits | 105.2957% | 401 |
| Net loans and leases to core deposits | 153.3086% | 121 |
| Total domestic deposits to total assets | 59.8364% | 5,319 |
| Equity capital to assets | 11.5979% | 2,179 |
| Core capital (leverage) ratio | 11.5906% | 2,030 |
| Tier 1 risk-based capital ratio | 13.7895% | 3,390 |
| Total risk-based capital ratio | 14.8446% | 3,406 |
| Memoranda: | ||
| Average total assets | $145,185,800 | 3,443 |
| Average earning assets | $133,427,600 | 3,446 |
| Average equity | $16,805,800 | 3,423 |
| Average total loans | $88,630,200 | 3,503 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 2,709 |
| Cost of funding earning assets | 1.0693% | 450 |
| Net interest margin | 3.3058% | 4,262 |
| Noninterest income to average assets | 0.8106% | 1,434 |
| Noninterest expense to average assets | 2.1976% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6538% | 830 |
| Return on assets (ROA) | 1.6185% | 932 |
| Pretax return on assets | 1.6185% | 1,519 |
| Return on Equity (ROE) | 13.9893% | 1,127 |
| Retained earnings to average equity (ytd only) | 4.3471% | 3,584 |
| Net charge-offs to loans | -0.0123% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0601% | 4,248 |
| Assets per employee ($millions) | 4.8892% | 2,609 |
| Cash dividends to net income (ytd only)* | 68.9258% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 2,074 |
| Loan loss allowance to noncurrent loans | 144.9631% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5550% | 2,530 |
| Noncurrent loans to loans | 0.9006% | 1,899 |
| Net loans and leases to total assets | 60.8202% | 3,762 |
| Net loans and leases to deposits | 109.4322% | 308 |
| Net loans and leases to core deposits | 146.6658% | 155 |
| Total domestic deposits to total assets | 55.5780% | 5,414 |
| Equity capital to assets | 11.4553% | 2,299 |
| Core capital (leverage) ratio | 11.2624% | 2,367 |
| Tier 1 risk-based capital ratio | 14.0994% | 3,322 |
| Total risk-based capital ratio | 15.1213% | 3,339 |
| Memoranda: | ||
| Average total assets | $143,423,500 | 3,500 |
| Average earning assets | $131,924,750 | 3,505 |
| Average equity | $16,593,250 | 3,472 |
| Average total loans | $86,487,000 | 3,571 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 2,859 |
| Cost of funding earning assets | 0.9499% | 584 |
| Net interest margin | 3.3230% | 4,185 |
| Noninterest income to average assets | 0.8332% | 1,374 |
| Noninterest expense to average assets | 2.2032% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6875% | 743 |
| Return on assets (ROA) | 1.6875% | 750 |
| Pretax return on assets | 1.6875% | 1,249 |
| Return on Equity (ROE) | 14.5367% | 951 |
| Retained earnings to average equity (ytd only) | 0.0121% | 4,954 |
| Net charge-offs to loans | -0.0117% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6269% | 4,397 |
| Assets per employee ($millions) | 4.7886% | 2,694 |
| Cash dividends to net income (ytd only)* | 99.9167% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,858 |
| Loan loss allowance to noncurrent loans | 121.8427% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 2,219 |
| Noncurrent loans to loans | 1.1239% | 1,564 |
| Net loans and leases to total assets | 59.0082% | 3,899 |
| Net loans and leases to deposits | 104.0391% | 527 |
| Net loans and leases to core deposits | 131.0788% | 311 |
| Total domestic deposits to total assets | 56.7173% | 5,473 |
| Equity capital to assets | 11.4884% | 2,208 |
| Core capital (leverage) ratio | 11.3535% | 2,203 |
| Tier 1 risk-based capital ratio | 13.8975% | 3,404 |
| Total risk-based capital ratio | 14.9237% | 3,433 |
| Memoranda: | ||
| Average total assets | $142,339,670 | 3,541 |
| Average earning assets | $130,966,000 | 3,537 |
| Average equity | $16,523,670 | 3,495 |
| Average total loans | $85,186,670 | 3,622 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 2,793 |
| Cost of funding earning assets | 0.8693% | 691 |
| Net interest margin | 3.3576% | 4,027 |
| Noninterest income to average assets | 0.7284% | 1,709 |
| Noninterest expense to average assets | 2.1683% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6460% | 769 |
| Return on assets (ROA) | 1.6460% | 772 |
| Pretax return on assets | 1.6460% | 1,255 |
| Return on Equity (ROE) | 14.1047% | 989 |
| Retained earnings to average equity (ytd only) | -14.9273% | 5,456 |
| Net charge-offs to loans | -0.0094% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8468% | 4,483 |
| Assets per employee ($millions) | 4.5739% | 3,036 |
| Cash dividends to net income (ytd only)* | 205.8319% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 1,632 |
| Loan loss allowance to noncurrent loans | 248.7288% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 3,464 |
| Noncurrent loans to loans | 0.5857% | 2,784 |
| Net loans and leases to total assets | 57.8769% | 3,949 |
| Net loans and leases to deposits | 97.1355% | 930 |
| Net loans and leases to core deposits | 113.9804% | 808 |
| Total domestic deposits to total assets | 59.5837% | 5,521 |
| Equity capital to assets | 11.5999% | 2,059 |
| Core capital (leverage) ratio | 10.9763% | 2,463 |
| Tier 1 risk-based capital ratio | 14.0584% | 3,353 |
| Total risk-based capital ratio | 15.1356% | 3,355 |
| Memoranda: | ||
| Average total assets | $141,680,500 | 3,580 |
| Average earning assets | $130,213,500 | 3,586 |
| Average equity | $16,533,500 | 3,524 |
| Average total loans | $84,806,500 | 3,655 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2895% | 2,363 |
| Cost of funding earning assets | 0.7607% | 787 |
| Net interest margin | 3.5288% | 3,429 |
| Noninterest income to average assets | 1.0021% | 1,014 |
| Noninterest expense to average assets | 2.3272% | 4,263 |
| Loan and lease loss provision to assets | 0.0729% | 2,748 |
| Net operating income to assets | 1.8262% | 392 |
| Return on assets (ROA) | 1.8291% | 402 |
| Pretax return on assets | 1.8291% | 733 |
| Return on Equity (ROE) | 15.2540% | 577 |
| Retained earnings to average equity (ytd only) | 6.7390% | 1,179 |
| Net charge-offs to loans | -0.0086% | 4,750 |
| Credit loss provision to net charge-offs | -1,428.5714% | 5,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0647% | 4,855 |
| Assets per employee ($millions) | 4.8727% | 2,641 |
| Cash dividends to net income (ytd only)* | 55.8214% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 2,130 |
| Loan loss allowance to noncurrent loans | 93.9103% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.8537% | 1,825 |
| Noncurrent loans to loans | 1.4019% | 1,224 |
| Net loans and leases to total assets | 60.0963% | 3,819 |
| Net loans and leases to deposits | 94.5295% | 1,216 |
| Net loans and leases to core deposits | 111.0690% | 944 |
| Total domestic deposits to total assets | 63.5742% | 5,553 |
| Equity capital to assets | 11.7579% | 1,997 |
| Core capital (leverage) ratio | 11.4145% | 2,005 |
| Tier 1 risk-based capital ratio | 14.9145% | 2,886 |
| Total risk-based capital ratio | 16.0087% | 2,890 |
| Memoranda: | ||
| Average total assets | $137,116,600 | 3,648 |
| Average earning assets | $125,282,600 | 3,660 |
| Average equity | $16,441,600 | 3,544 |
| Average total loans | $81,474,000 | 3,723 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 2,343 |
| Cost of funding earning assets | 0.7290% | 847 |
| Net interest margin | 3.5444% | 3,337 |
| Noninterest income to average assets | 0.9531% | 1,136 |
| Noninterest expense to average assets | 2.2711% | 4,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9171% | 373 |
| Return on assets (ROA) | 1.9359% | 359 |
| Pretax return on assets | 1.9359% | 625 |
| Return on Equity (ROE) | 16.0603% | 526 |
| Retained earnings to average equity (ytd only) | 4.5769% | 3,161 |
| Net charge-offs to loans | -0.0134% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2257% | 4,918 |
| Assets per employee ($millions) | 4.6206% | 2,946 |
| Cash dividends to net income (ytd only)* | 71.5016% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,632 |
| Loan loss allowance to noncurrent loans | 146.1853% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 2,939 |
| Noncurrent loans to loans | 0.8561% | 2,226 |
| Net loans and leases to total assets | 61.0753% | 3,760 |
| Net loans and leases to deposits | 95.6309% | 1,139 |
| Net loans and leases to core deposits | 110.0149% | 1,034 |
| Total domestic deposits to total assets | 63.8657% | 5,620 |
| Equity capital to assets | 12.1787% | 1,850 |
| Core capital (leverage) ratio | 11.2455% | 2,222 |
| Tier 1 risk-based capital ratio | 14.0059% | 3,436 |
| Total risk-based capital ratio | 14.9802% | 3,498 |
| Memoranda: | ||
| Average total assets | $134,850,250 | 3,715 |
| Average earning assets | $123,082,500 | 3,729 |
| Average equity | $16,255,000 | 3,597 |
| Average total loans | $79,587,000 | 3,783 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3013% | 2,118 |
| Cost of funding earning assets | 0.6733% | 1,030 |
| Net interest margin | 3.6280% | 2,925 |
| Noninterest income to average assets | 0.9372% | 1,160 |
| Noninterest expense to average assets | 2.3040% | 4,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9327% | 351 |
| Return on assets (ROA) | 1.9657% | 335 |
| Pretax return on assets | 1.9657% | 565 |
| Return on Equity (ROE) | 16.3654% | 482 |
| Retained earnings to average equity (ytd only) | 1.4085% | 4,685 |
| Net charge-offs to loans | -0.0232% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3816% | 4,989 |
| Assets per employee ($millions) | 4.2810% | 3,468 |
| Cash dividends to net income (ytd only)* | 91.3938% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 2,243 |
| Loan loss allowance to noncurrent loans | 218.7373% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 3,689 |
| Noncurrent loans to loans | 0.6115% | 2,894 |
| Net loans and leases to total assets | 57.8323% | 4,057 |
| Net loans and leases to deposits | 89.5896% | 1,790 |
| Net loans and leases to core deposits | 103.3581% | 1,406 |
| Total domestic deposits to total assets | 64.5524% | 5,660 |
| Equity capital to assets | 12.0190% | 1,911 |
| Core capital (leverage) ratio | 11.2132% | 2,212 |
| Tier 1 risk-based capital ratio | 14.9921% | 2,926 |
| Total risk-based capital ratio | 16.0670% | 2,932 |
| Memoranda: | ||
| Average total assets | $133,594,000 | 3,758 |
| Average earning assets | $121,499,000 | 3,777 |
| Average equity | $16,046,000 | 3,636 |
| Average total loans | $77,537,670 | 3,854 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 2,062 |
| Cost of funding earning assets | 0.6428% | 1,111 |
| Net interest margin | 3.6193% | 2,820 |
| Noninterest income to average assets | 1.0402% | 927 |
| Noninterest expense to average assets | 2.3898% | 4,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9288% | 348 |
| Return on assets (ROA) | 1.9045% | 372 |
| Pretax return on assets | 1.9045% | 622 |
| Return on Equity (ROE) | 15.8621% | 542 |
| Retained earnings to average equity (ytd only) | -14.4476% | 5,662 |
| Net charge-offs to loans | -0.0315% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3371% | 5,007 |
| Assets per employee ($millions) | 4.1635% | 3,736 |
| Cash dividends to net income (ytd only)* | 191.0828% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,886 |
| Loan loss allowance to noncurrent loans | 272.5191% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 4,018 |
| Noncurrent loans to loans | 0.5298% | 3,223 |
| Net loans and leases to total assets | 54.8694% | 4,263 |
| Net loans and leases to deposits | 87.3967% | 1,872 |
| Net loans and leases to core deposits | 98.0288% | 1,654 |
| Total domestic deposits to total assets | 62.7819% | 5,751 |
| Equity capital to assets | 11.7022% | 2,034 |
| Core capital (leverage) ratio | 11.2145% | 2,173 |
| Tier 1 risk-based capital ratio | 14.1994% | 3,363 |
| Total risk-based capital ratio | 15.2633% | 3,387 |
| Memoranda: | ||
| Average total assets | $131,895,500 | 3,814 |
| Average earning assets | $119,472,000 | 3,844 |
| Average equity | $15,836,500 | 3,680 |
| Average total loans | $76,157,000 | 3,905 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4410% | 1,707 |
| Cost of funding earning assets | 0.5887% | 1,417 |
| Net interest margin | 3.8523% | 2,125 |
| Noninterest income to average assets | 0.9979% | 1,156 |
| Noninterest expense to average assets | 2.3812% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.1029% | 264 |
| Return on assets (ROA) | 2.1186% | 265 |
| Pretax return on assets | 2.1186% | 385 |
| Return on Equity (ROE) | 16.1993% | 489 |
| Retained earnings to average equity (ytd only) | 7.6999% | 961 |
| Net charge-offs to loans | -0.1395% | 5,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1032% | 5,308 |
| Assets per employee ($millions) | 4.2116% | 3,604 |
| Cash dividends to net income (ytd only)* | 52.4679% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 2,250 |
| Loan loss allowance to noncurrent loans | 361.0169% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 3,971 |
| Noncurrent loans to loans | 0.3775% | 3,774 |
| Net loans and leases to total assets | 59.0342% | 3,960 |
| Net loans and leases to deposits | 91.2325% | 1,545 |
| Net loans and leases to core deposits | 95.8489% | 1,934 |
| Total domestic deposits to total assets | 64.7074% | 5,780 |
| Equity capital to assets | 12.3177% | 1,624 |
| Core capital (leverage) ratio | 11.8915% | 1,671 |
| Tier 1 risk-based capital ratio | 16.0163% | 2,539 |
| Total risk-based capital ratio | 17.1637% | 2,517 |
| Memoranda: | ||
| Average total assets | $121,449,000 | 3,967 |
| Average earning assets | $109,907,000 | 4,006 |
| Average equity | $15,883,400 | 3,707 |
| Average total loans | $72,384,400 | 3,982 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4902% | 1,574 |
| Cost of funding earning assets | 0.5855% | 1,449 |
| Net interest margin | 3.9047% | 1,963 |
| Noninterest income to average assets | 0.9510% | 1,252 |
| Noninterest expense to average assets | 2.2689% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.2186% | 236 |
| Return on assets (ROA) | 2.2376% | 245 |
| Pretax return on assets | 2.2376% | 356 |
| Return on Equity (ROE) | 16.8412% | 457 |
| Retained earnings to average equity (ytd only) | 5.4734% | 2,498 |
| Net charge-offs to loans | -0.0094% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5610% | 5,465 |
| Assets per employee ($millions) | 4.0380% | 3,902 |
| Cash dividends to net income (ytd only)* | 67.5002% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 2,855 |
| Loan loss allowance to noncurrent loans | 328.4746% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 4,041 |
| Noncurrent loans to loans | 0.3860% | 3,874 |
| Net loans and leases to total assets | 60.2817% | 3,838 |
| Net loans and leases to deposits | 104.1589% | 446 |
| Net loans and leases to core deposits | 110.5333% | 882 |
| Total domestic deposits to total assets | 57.8747% | 5,904 |
| Equity capital to assets | 13.0126% | 1,482 |
| Core capital (leverage) ratio | 11.9657% | 1,699 |
| Tier 1 risk-based capital ratio | 15.8828% | 2,674 |
| Total risk-based capital ratio | 16.9595% | 2,685 |
| Memoranda: | ||
| Average total assets | $119,171,250 | 4,032 |
| Average earning assets | $107,936,250 | 4,069 |
| Average equity | $15,833,750 | 3,747 |
| Average total loans | $70,945,500 | 4,052 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5139% | 1,476 |
| Cost of funding earning assets | 0.5723% | 1,534 |
| Net interest margin | 3.9416% | 1,837 |
| Noninterest income to average assets | 0.8774% | 1,447 |
| Noninterest expense to average assets | 2.3129% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1268% | 256 |
| Return on assets (ROA) | 2.1405% | 267 |
| Pretax return on assets | 2.1405% | 429 |
| Return on Equity (ROE) | 15.9929% | 547 |
| Retained earnings to average equity (ytd only) | -1.2243% | 5,462 |
| Net charge-offs to loans | -0.0058% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0953% | 5,436 |
| Assets per employee ($millions) | 3.8688% | 4,139 |
| Cash dividends to net income (ytd only)* | 107.6555% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 2,432 |
| Loan loss allowance to noncurrent loans | 275.4986% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 3,881 |
| Noncurrent loans to loans | 0.4975% | 3,587 |
| Net loans and leases to total assets | 58.0195% | 4,113 |
| Net loans and leases to deposits | 94.3013% | 1,260 |
| Net loans and leases to core deposits | 97.5919% | 1,849 |
| Total domestic deposits to total assets | 61.5257% | 5,958 |
| Equity capital to assets | 13.1875% | 1,396 |
| Core capital (leverage) ratio | 11.7817% | 1,792 |
| Tier 1 risk-based capital ratio | 15.1578% | 3,002 |
| Total risk-based capital ratio | 16.2397% | 3,026 |
| Memoranda: | ||
| Average total assets | $117,168,670 | 4,104 |
| Average earning assets | $105,895,670 | 4,134 |
| Average equity | $15,682,000 | 3,781 |
| Average total loans | $69,117,670 | 4,110 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 1,413 |
| Cost of funding earning assets | 0.5678% | 1,558 |
| Net interest margin | 3.9672% | 1,718 |
| Noninterest income to average assets | 0.8947% | 1,324 |
| Noninterest expense to average assets | 2.3388% | 4,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1280% | 266 |
| Return on assets (ROA) | 2.2386% | 232 |
| Pretax return on assets | 2.2386% | 354 |
| Return on Equity (ROE) | 16.5994% | 475 |
| Retained earnings to average equity (ytd only) | -9.0170% | 5,782 |
| Net charge-offs to loans | -0.0234% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3589% | 5,493 |
| Assets per employee ($millions) | 3.6975% | 4,475 |
| Cash dividends to net income (ytd only)* | 154.3210% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 2,166 |
| Loan loss allowance to noncurrent loans | 125.5512% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 2,413 |
| Noncurrent loans to loans | 1.1614% | 2,080 |
| Net loans and leases to total assets | 57.0736% | 4,139 |
| Net loans and leases to deposits | 93.6914% | 1,175 |
| Net loans and leases to core deposits | 96.4626% | 1,749 |
| Total domestic deposits to total assets | 60.9166% | 6,030 |
| Equity capital to assets | 13.4091% | 1,218 |
| Core capital (leverage) ratio | 11.9800% | 1,619 |
| Tier 1 risk-based capital ratio | 15.8919% | 2,739 |
| Total risk-based capital ratio | 17.0493% | 2,712 |
| Memoranda: | ||
| Average total assets | $115,787,000 | 4,156 |
| Average earning assets | $104,254,500 | 4,206 |
| Average equity | $15,615,000 | 3,792 |
| Average total loans | $68,401,000 | 4,150 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 1,973 |
| Cost of funding earning assets | 0.5628% | 1,653 |
| Net interest margin | 3.8163% | 2,322 |
| Noninterest income to average assets | 0.9617% | 1,289 |
| Noninterest expense to average assets | 2.7122% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6908% | 589 |
| Return on assets (ROA) | 1.7781% | 514 |
| Pretax return on assets | 1.7781% | 836 |
| Return on Equity (ROE) | 12.9033% | 1,077 |
| Retained earnings to average equity (ytd only) | 11.2354% | 324 |
| Net charge-offs to loans | -0.0079% | 5,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5995% | 4,676 |
| Assets per employee ($millions) | 3.8983% | 4,120 |
| Cash dividends to net income (ytd only)* | 12.9266% | 4,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 2,561 |
| Loan loss allowance to noncurrent loans | 544.6328% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 4,055 |
| Noncurrent loans to loans | 0.2514% | 4,531 |
| Net loans and leases to total assets | 59.3844% | 3,920 |
| Net loans and leases to deposits | 95.6506% | 1,052 |
| Net loans and leases to core deposits | 98.7052% | 1,615 |
| Total domestic deposits to total assets | 62.0847% | 6,070 |
| Equity capital to assets | 13.5614% | 1,106 |
| Core capital (leverage) ratio | 12.0101% | 1,613 |
| Tier 1 risk-based capital ratio | 16.5490% | 2,454 |
| Total risk-based capital ratio | 17.7183% | 2,457 |
| Memoranda: | ||
| Average total assets | $108,768,200 | 4,282 |
| Average earning assets | $98,079,400 | 4,334 |
| Average equity | $14,988,400 | 3,838 |
| Average total loans | $62,953,400 | 4,294 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3981% | 1,922 |
| Cost of funding earning assets | 0.5813% | 1,532 |
| Net interest margin | 3.8168% | 2,322 |
| Noninterest income to average assets | 1.4931% | 554 |
| Noninterest expense to average assets | 2.9554% | 2,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8367% | 477 |
| Return on assets (ROA) | 1.8936% | 452 |
| Pretax return on assets | 1.8936% | 737 |
| Return on Equity (ROE) | 11.4973% | 1,526 |
| Retained earnings to average equity (ytd only) | 7.8998% | 1,280 |
| Net charge-offs to loans | 0.0040% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 776.9248% | 96 |
| Efficiency ratio | 61.6716% | 4,617 |
| Assets per employee ($millions) | 3.2957% | 5,134 |
| Cash dividends to net income (ytd only)* | 31.2895% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 3,039 |
| Loan loss allowance to noncurrent loans | 1,016.6667% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 5,431 |
| Noncurrent loans to loans | 0.1288% | 5,115 |
| Net loans and leases to total assets | 62.0141% | 3,606 |
| Net loans and leases to deposits | 104.1180% | 440 |
| Net loans and leases to core deposits | 111.1689% | 805 |
| Total domestic deposits to total assets | 59.5614% | 6,178 |
| Equity capital to assets | 16.2469% | 528 |
| Core capital (leverage) ratio | 13.3306% | 1,077 |
| Tier 1 risk-based capital ratio | 16.7697% | 2,448 |
| Total risk-based capital ratio | 17.8669% | 2,475 |
| Memoranda: | ||
| Average total assets | $56,257,750 | 5,470 |
| Average earning assets | $48,625,500 | 5,537 |
| Average equity | $9,265,750 | 4,854 |
| Average total loans | $33,518,750 | 5,304 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2652% | 2,300 |
| Cost of funding earning assets | 0.5799% | 1,564 |
| Net interest margin | 3.6853% | 2,773 |
| Noninterest income to average assets | 1.1297% | 947 |
| Noninterest expense to average assets | 2.9872% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3180% | 1,266 |
| Return on assets (ROA) | 1.3976% | 1,131 |
| Pretax return on assets | 1.3976% | 1,988 |
| Return on Equity (ROE) | 8.4448% | 2,822 |
| Retained earnings to average equity (ytd only) | 2.9754% | 4,144 |
| Net charge-offs to loans | -0.0124% | 4,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3860% | 3,431 |
| Assets per employee ($millions) | 3.1567% | 5,403 |
| Cash dividends to net income (ytd only)* | 64.7668% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 2,555 |
| Loan loss allowance to noncurrent loans | 1,141.8605% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 5,562 |
| Noncurrent loans to loans | 0.1263% | 5,246 |
| Net loans and leases to total assets | 59.0732% | 3,964 |
| Net loans and leases to deposits | 92.3742% | 1,333 |
| Net loans and leases to core deposits | 98.4398% | 1,617 |
| Total domestic deposits to total assets | 63.9499% | 6,206 |
| Equity capital to assets | 16.1278% | 513 |
| Core capital (leverage) ratio | 13.6988% | 930 |
| Tier 1 risk-based capital ratio | 17.3581% | 2,265 |
| Total risk-based capital ratio | 18.5677% | 2,243 |
| Memoranda: | ||
| Average total assets | $55,236,330 | 5,560 |
| Average earning assets | $47,594,330 | 5,616 |
| Average equity | $9,141,670 | 4,914 |
| Average total loans | $32,266,330 | 5,394 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 2,365 |
| Cost of funding earning assets | 0.5816% | 1,565 |
| Net interest margin | 3.6438% | 2,840 |
| Noninterest income to average assets | 0.8743% | 1,483 |
| Noninterest expense to average assets | 3.0564% | 2,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9478% | 2,522 |
| Return on assets (ROA) | 1.0286% | 2,279 |
| Pretax return on assets | 1.0286% | 3,389 |
| Return on Equity (ROE) | 6.1333% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.1333% | 2,410 |
| Net charge-offs to loans | -0.0128% | 4,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3303% | 2,463 |
| Assets per employee ($millions) | 3.1248% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 1,940 |
| Loan loss allowance to noncurrent loans | 1,361.1111% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 5,663 |
| Noncurrent loans to loans | 0.1199% | 5,342 |
| Net loans and leases to total assets | 55.5815% | 4,250 |
| Net loans and leases to deposits | 80.8998% | 2,458 |
| Net loans and leases to core deposits | 84.3311% | 2,731 |
| Total domestic deposits to total assets | 68.7041% | 6,177 |
| Equity capital to assets | 17.4184% | 387 |
| Core capital (leverage) ratio | 13.7007% | 902 |
| Tier 1 risk-based capital ratio | 19.3532% | 1,778 |
| Total risk-based capital ratio | 20.6024% | 1,732 |
| Memoranda: | ||
| Average total assets | $54,444,000 | 5,629 |
| Average earning assets | $46,764,500 | 5,688 |
| Average equity | $9,130,500 | 4,956 |
| Average total loans | $31,371,000 | 5,459 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 3,052 |
| Cost of funding earning assets | 0.6018% | 1,743 |
| Net interest margin | 3.5669% | 3,532 |
| Noninterest income to average assets | 1.4808% | 561 |
| Noninterest expense to average assets | 2.8980% | 3,159 |
| Loan and lease loss provision to assets | 0.0454% | 3,670 |
| Net operating income to assets | 1.6350% | 662 |
| Return on assets (ROA) | 1.7130% | 588 |
| Pretax return on assets | 1.7130% | 961 |
| Return on Equity (ROE) | 11.2501% | 1,638 |
| Retained earnings to average equity (ytd only) | 9.4625% | 611 |
| Net charge-offs to loans | 0.2349% | 1,800 |
| Credit loss provision to net charge-offs | 37.3134% | 3,726 |
| Earnings coverage of net charge-offs (x) | 13.8209% | 2,238 |
| Efficiency ratio | 63.2977% | 4,707 |
| Assets per employee ($millions) | 3.2804% | 5,291 |
| Cash dividends to net income (ytd only)* | 15.8898% | 3,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 2,511 |
| Loan loss allowance to noncurrent loans | 1,286.8421% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 5,755 |
| Noncurrent loans to loans | 0.1161% | 5,431 |
| Net loans and leases to total assets | 57.8076% | 4,067 |
| Net loans and leases to deposits | 95.0607% | 986 |
| Net loans and leases to core deposits | 97.1696% | 1,621 |
| Total domestic deposits to total assets | 60.8112% | 6,395 |
| Equity capital to assets | 16.1532% | 514 |
| Core capital (leverage) ratio | 13.0296% | 1,126 |
| Tier 1 risk-based capital ratio | 18.1194% | 2,099 |
| Total risk-based capital ratio | 19.3701% | 2,063 |
| Memoranda: | ||
| Average total assets | $55,107,000 | 5,673 |
| Average earning assets | $47,856,800 | 5,725 |
| Average equity | $8,391,000 | 5,108 |
| Average total loans | $28,520,000 | 5,625 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 3,472 |
| Cost of funding earning assets | 0.6027% | 1,802 |
| Net interest margin | 3.4738% | 3,930 |
| Noninterest income to average assets | 1.4657% | 583 |
| Noninterest expense to average assets | 2.9703% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5167% | 907 |
| Return on assets (ROA) | 1.6138% | 757 |
| Pretax return on assets | 1.6138% | 1,284 |
| Return on Equity (ROE) | 10.7644% | 1,885 |
| Retained earnings to average equity (ytd only) | 8.3364% | 1,207 |
| Net charge-offs to loans | -0.0146% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1979% | 4,190 |
| Assets per employee ($millions) | 3.2375% | 5,357 |
| Cash dividends to net income (ytd only)* | 22.5571% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8354% | 1,615 |
| Loan loss allowance to noncurrent loans | 427.2000% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 5,307 |
| Noncurrent loans to loans | 0.4296% | 4,616 |
| Net loans and leases to total assets | 51.8932% | 4,818 |
| Net loans and leases to deposits | 86.4882% | 1,858 |
| Net loans and leases to core deposits | 87.7774% | 2,456 |
| Total domestic deposits to total assets | 60.0004% | 6,491 |
| Equity capital to assets | 15.7364% | 598 |
| Core capital (leverage) ratio | 12.2726% | 1,532 |
| Tier 1 risk-based capital ratio | 19.5518% | 1,770 |
| Total risk-based capital ratio | 20.8050% | 1,739 |
| Memoranda: | ||
| Average total assets | $54,942,250 | 5,738 |
| Average earning assets | $47,785,000 | 5,795 |
| Average equity | $8,236,750 | 5,183 |
| Average total loans | $27,468,500 | 5,733 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9038% | 4,121 |
| Cost of funding earning assets | 0.5971% | 1,925 |
| Net interest margin | 3.3068% | 4,557 |
| Noninterest income to average assets | 1.2857% | 713 |
| Noninterest expense to average assets | 2.9976% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1728% | 1,677 |
| Return on assets (ROA) | 1.2712% | 1,441 |
| Pretax return on assets | 1.2712% | 2,362 |
| Return on Equity (ROE) | 8.6223% | 2,772 |
| Retained earnings to average equity (ytd only) | 4.9164% | 3,013 |
| Net charge-offs to loans | -0.0223% | 5,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8777% | 3,366 |
| Assets per employee ($millions) | 3.2825% | 5,287 |
| Cash dividends to net income (ytd only)* | 42.9799% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8339% | 1,745 |
| Loan loss allowance to noncurrent loans | 373.4266% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 5,324 |
| Noncurrent loans to loans | 0.4911% | 4,522 |
| Net loans and leases to total assets | 51.2248% | 4,831 |
| Net loans and leases to deposits | 83.7214% | 2,059 |
| Net loans and leases to core deposits | 84.9278% | 2,625 |
| Total domestic deposits to total assets | 61.1849% | 6,546 |
| Equity capital to assets | 14.9490% | 711 |
| Core capital (leverage) ratio | 11.9781% | 1,665 |
| Tier 1 risk-based capital ratio | 18.3982% | 2,103 |
| Total risk-based capital ratio | 19.6510% | 2,063 |
| Memoranda: | ||
| Average total assets | $54,910,330 | 5,789 |
| Average earning assets | $47,902,000 | 5,838 |
| Average equity | $8,095,330 | 5,252 |
| Average total loans | $26,926,330 | 5,799 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8418% | 4,314 |
| Cost of funding earning assets | 0.5969% | 1,997 |
| Net interest margin | 3.2449% | 4,758 |
| Noninterest income to average assets | 1.2045% | 761 |
| Noninterest expense to average assets | 3.0773% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9621% | 2,347 |
| Return on assets (ROA) | 1.0355% | 2,138 |
| Pretax return on assets | 1.0355% | 3,190 |
| Return on Equity (ROE) | 7.0748% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.0748% | 2,008 |
| Net charge-offs to loans | -0.0310% | 5,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1818% | 2,770 |
| Assets per employee ($millions) | 3.1523% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1386% | 1,254 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 5,240 |
| Noncurrent loans to loans | 0.6580% | 4,219 |
| Net loans and leases to total assets | 45.5131% | 5,385 |
| Net loans and leases to deposits | 69.2327% | 3,703 |
| Net loans and leases to core deposits | 70.1992% | 4,067 |
| Total domestic deposits to total assets | 65.7392% | 6,562 |
| Equity capital to assets | 15.1860% | 641 |
| Core capital (leverage) ratio | 11.7210% | 1,820 |
| Tier 1 risk-based capital ratio | 20.7998% | 1,511 |
| Total risk-based capital ratio | 22.0564% | 1,485 |
| Memoranda: | ||
| Average total assets | $54,464,000 | 5,857 |
| Average earning assets | $47,582,000 | 5,898 |
| Average equity | $7,972,000 | 5,302 |
| Average total loans | $25,830,000 | 5,897 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6911% | 5,163 |
| Cost of funding earning assets | 0.6422% | 2,276 |
| Net interest margin | 3.0489% | 5,450 |
| Noninterest income to average assets | 1.5802% | 575 |
| Noninterest expense to average assets | 3.1761% | 2,490 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1174% | 1,877 |
| Return on assets (ROA) | 1.3844% | 1,097 |
| Pretax return on assets | 1.3844% | 1,849 |
| Return on Equity (ROE) | 8.7814% | 2,650 |
| Retained earnings to average equity (ytd only) | 2.5090% | 4,467 |
| Net charge-offs to loans | -0.0527% | 6,347 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9751% | 3,130 |
| Assets per employee ($millions) | 3.2552% | 5,379 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9860% | 1,587 |
| Loan loss allowance to noncurrent loans | 438.8430% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 5,629 |
| Noncurrent loans to loans | 0.4526% | 4,865 |
| Net loans and leases to total assets | 47.3554% | 5,359 |
| Net loans and leases to deposits | 83.2201% | 2,031 |
| Net loans and leases to core deposits | 84.5219% | 2,618 |
| Total domestic deposits to total assets | 56.9038% | 6,730 |
| Equity capital to assets | 14.1058% | 875 |
| Core capital (leverage) ratio | 11.6913% | 1,834 |
| Tier 1 risk-based capital ratio | 18.4815% | 2,088 |
| Total risk-based capital ratio | 19.7353% | 2,056 |
| Memoranda: | ||
| Average total assets | $50,564,400 | 6,006 |
| Average earning assets | $44,999,600 | 6,020 |
| Average equity | $7,971,400 | 5,345 |
| Average total loans | $22,785,600 | 6,087 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6072% | 5,425 |
| Cost of funding earning assets | 0.6542% | 2,331 |
| Net interest margin | 2.9530% | 5,692 |
| Noninterest income to average assets | 1.5906% | 577 |
| Noninterest expense to average assets | 3.0787% | 2,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1451% | 1,834 |
| Return on assets (ROA) | 1.2774% | 1,477 |
| Pretax return on assets | 1.2774% | 2,421 |
| Return on Equity (ROE) | 7.8706% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.8706% | 1,470 |
| Net charge-offs to loans | -0.0306% | 6,173 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8900% | 3,243 |
| Assets per employee ($millions) | 3.1163% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1728% | 1,373 |
| Loan loss allowance to noncurrent loans | 422.5806% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 5,157 |
| Noncurrent loans to loans | 0.5142% | 4,905 |
| Net loans and leases to total assets | 44.5325% | 5,678 |
| Net loans and leases to deposits | 78.1063% | 2,651 |
| Net loans and leases to core deposits | 79.3809% | 3,193 |
| Total domestic deposits to total assets | 57.0153% | 6,806 |
| Equity capital to assets | 15.3406% | 650 |
| Core capital (leverage) ratio | 12.9589% | 1,224 |
| Tier 1 risk-based capital ratio | 21.9470% | 1,328 |
| Total risk-based capital ratio | 23.2043% | 1,311 |
| Memoranda: | ||
| Average total assets | $49,370,750 | 6,097 |
| Average earning assets | $44,022,250 | 6,124 |
| Average equity | $8,012,750 | 5,387 |
| Average total loans | $21,797,750 | 6,191 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 5,613 |
| Cost of funding earning assets | 0.6685% | 2,331 |
| Net interest margin | 2.8691% | 5,851 |
| Noninterest income to average assets | 1.2083% | 1,049 |
| Noninterest expense to average assets | 3.1348% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6394% | 4,115 |
| Return on assets (ROA) | 0.8802% | 3,048 |
| Pretax return on assets | 0.8802% | 3,982 |
| Return on Equity (ROE) | 5.3168% | 4,554 |
| Retained earnings to average equity (ytd only) | 5.3168% | 2,856 |
| Net charge-offs to loans | -0.0476% | 6,250 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0583% | 1,749 |
| Assets per employee ($millions) | 2.9115% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4558% | 1,033 |
| Loan loss allowance to noncurrent loans | 422.5806% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 5,142 |
| Noncurrent loans to loans | 0.5812% | 4,808 |
| Net loans and leases to total assets | 42.0499% | 5,898 |
| Net loans and leases to deposits | 64.7573% | 4,405 |
| Net loans and leases to core deposits | 65.7495% | 4,716 |
| Total domestic deposits to total assets | 64.9345% | 6,780 |
| Equity capital to assets | 15.7548% | 567 |
| Core capital (leverage) ratio | 13.3188% | 1,045 |
| Tier 1 risk-based capital ratio | 22.3299% | 1,231 |
| Total risk-based capital ratio | 23.5871% | 1,208 |
| Memoranda: | ||
| Average total assets | $48,168,670 | 6,177 |
| Average earning assets | $43,079,330 | 6,187 |
| Average equity | $7,974,670 | 5,435 |
| Average total loans | $21,025,000 | 6,255 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6329% | 5,353 |
| Cost of funding earning assets | 0.6983% | 2,224 |
| Net interest margin | 2.9346% | 5,748 |
| Noninterest income to average assets | 1.0862% | 1,250 |
| Noninterest expense to average assets | 3.2418% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4631% | 4,860 |
| Return on assets (ROA) | 0.5557% | 4,585 |
| Pretax return on assets | 0.5557% | 5,095 |
| Return on Equity (ROE) | 3.2742% | 5,452 |
| Retained earnings to average equity (ytd only) | 3.2742% | 4,287 |
| Net charge-offs to loans | -0.0575% | 6,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5000% | 1,376 |
| Assets per employee ($millions) | 2.8847% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6934% | 919 |
| Loan loss allowance to noncurrent loans | 420.9677% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 5,285 |
| Noncurrent loans to loans | 0.6398% | 4,847 |
| Net loans and leases to total assets | 38.4564% | 6,122 |
| Net loans and leases to deposits | 55.2143% | 5,328 |
| Net loans and leases to core deposits | 56.0096% | 5,519 |
| Total domestic deposits to total assets | 69.6493% | 6,768 |
| Equity capital to assets | 16.5090% | 490 |
| Core capital (leverage) ratio | 12.7423% | 1,221 |
| Tier 1 risk-based capital ratio | 24.3826% | 969 |
| Total risk-based capital ratio | 25.6419% | 953 |
| Memoranda: | ||
| Average total assets | $47,505,000 | 6,255 |
| Average earning assets | $42,390,500 | 6,266 |
| Average equity | $8,063,000 | 5,469 |
| Average total loans | $20,869,000 | 6,317 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 4,769 |
| Cost of funding earning assets | 0.8183% | 2,522 |
| Net interest margin | 3.3321% | 5,136 |
| Noninterest income to average assets | 1.6390% | 590 |
| Noninterest expense to average assets | 3.2547% | 2,462 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3725% | 1,148 |
| Return on assets (ROA) | 1.6073% | 824 |
| Pretax return on assets | 1.6073% | 1,360 |
| Return on Equity (ROE) | 8.6955% | 2,791 |
| Retained earnings to average equity (ytd only) | -7.3225% | 6,541 |
| Net charge-offs to loans | 0.0135% | 5,726 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 216.3333% | 197 |
| Efficiency ratio | 70.3382% | 3,748 |
| Assets per employee ($millions) | 2.5539% | 6,572 |
| Cash dividends to net income (ytd only)* | 184.2105% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3214% | 1,339 |
| Loan loss allowance to noncurrent loans | 381.6176% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4960% | 5,233 |
| Noncurrent loans to loans | 0.6083% | 4,995 |
| Net loans and leases to total assets | 47.5049% | 5,462 |
| Net loans and leases to deposits | 68.5695% | 3,897 |
| Net loans and leases to core deposits | 70.3680% | 4,255 |
| Total domestic deposits to total assets | 69.2800% | 6,813 |
| Equity capital to assets | 17.4679% | 369 |
| Core capital (leverage) ratio | 12.8482% | 1,176 |
| Tier 1 risk-based capital ratio | 21.7617% | 1,312 |
| Total risk-based capital ratio | 23.0195% | 1,285 |
| Memoranda: | ||
| Average total assets | $47,285,000 | 6,282 |
| Average earning assets | $42,406,000 | 6,292 |
| Average equity | $8,740,200 | 5,290 |
| Average total loans | $22,180,200 | 6,334 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 4,983 |
| Cost of funding earning assets | 0.8270% | 2,731 |
| Net interest margin | 3.3234% | 5,299 |
| Noninterest income to average assets | 1.5317% | 631 |
| Noninterest expense to average assets | 3.2035% | 2,553 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3217% | 1,392 |
| Return on assets (ROA) | 1.5485% | 1,051 |
| Pretax return on assets | 1.5485% | 1,724 |
| Return on Equity (ROE) | 8.2679% | 3,155 |
| Retained earnings to average equity (ytd only) | 8.2679% | 1,511 |
| Net charge-offs to loans | 0.1265% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 22.4757% | 1,354 |
| Efficiency ratio | 70.7921% | 3,536 |
| Assets per employee ($millions) | 2.6994% | 6,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2375% | 1,634 |
| Loan loss allowance to noncurrent loans | 373.8806% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 5,463 |
| Noncurrent loans to loans | 0.5985% | 5,244 |
| Net loans and leases to total assets | 45.0504% | 5,867 |
| Net loans and leases to deposits | 71.8553% | 3,631 |
| Net loans and leases to core deposits | 73.8255% | 3,996 |
| Total domestic deposits to total assets | 62.6960% | 7,036 |
| Equity capital to assets | 19.1397% | 290 |
| Core capital (leverage) ratio | 15.5801% | 527 |
| Tier 1 risk-based capital ratio | 25.8480% | 838 |
| Total risk-based capital ratio | 27.1058% | 825 |
| Memoranda: | ||
| Average total assets | $47,613,750 | 6,352 |
| Average earning assets | $42,886,750 | 6,346 |
| Average equity | $8,917,750 | 5,294 |
| Average total loans | $22,136,000 | 6,415 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 5,011 |
| Cost of funding earning assets | 0.8556% | 2,752 |
| Net interest margin | 3.3282% | 5,354 |
| Noninterest income to average assets | 1.2307% | 941 |
| Noninterest expense to average assets | 3.3285% | 2,228 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8966% | 2,927 |
| Return on assets (ROA) | 1.2477% | 1,743 |
| Pretax return on assets | 1.2477% | 2,730 |
| Return on Equity (ROE) | 6.7119% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.7119% | 2,265 |
| Net charge-offs to loans | 0.2267% | 3,218 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 8.4800% | 2,290 |
| Efficiency ratio | 78.7788% | 2,353 |
| Assets per employee ($millions) | 2.6781% | 6,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3096% | 1,574 |
| Loan loss allowance to noncurrent loans | 135.7923% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9667% | 4,442 |
| Noncurrent loans to loans | 1.7008% | 3,344 |
| Net loans and leases to total assets | 43.6087% | 6,055 |
| Net loans and leases to deposits | 66.3301% | 4,466 |
| Net loans and leases to core deposits | 68.0764% | 4,775 |
| Total domestic deposits to total assets | 65.7449% | 7,050 |
| Equity capital to assets | 18.5330% | 305 |
| Core capital (leverage) ratio | 15.1863% | 568 |
| Tier 1 risk-based capital ratio | 25.7237% | 833 |
| Total risk-based capital ratio | 26.9816% | 816 |
| Memoranda: | ||
| Average total assets | $47,288,330 | 6,401 |
| Average earning assets | $42,545,330 | 6,395 |
| Average equity | $8,790,330 | 5,322 |
| Average total loans | $22,051,000 | 6,462 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 4,893 |
| Cost of funding earning assets | 0.8842% | 2,803 |
| Net interest margin | 3.3752% | 5,220 |
| Noninterest income to average assets | 0.9054% | 1,722 |
| Noninterest expense to average assets | 3.3056% | 2,267 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6321% | 4,209 |
| Return on assets (ROA) | 1.0421% | 2,507 |
| Pretax return on assets | 1.0421% | 3,525 |
| Return on Equity (ROE) | 5.5973% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.5973% | 3,205 |
| Net charge-offs to loans | 0.4839% | 1,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.7407% | 3,084 |
| Efficiency ratio | 83.9479% | 1,692 |
| Assets per employee ($millions) | 2.6641% | 6,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4088% | 1,492 |
| Loan loss allowance to noncurrent loans | 62.1079% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.8705% | 3,087 |
| Noncurrent loans to loans | 3.8783% | 1,591 |
| Net loans and leases to total assets | 41.8213% | 6,208 |
| Net loans and leases to deposits | 60.8668% | 5,059 |
| Net loans and leases to core deposits | 62.4047% | 5,285 |
| Total domestic deposits to total assets | 68.7096% | 7,032 |
| Equity capital to assets | 18.2842% | 320 |
| Core capital (leverage) ratio | 15.0411% | 594 |
| Tier 1 risk-based capital ratio | 26.2189% | 786 |
| Total risk-based capital ratio | 27.4790% | 772 |
| Memoranda: | ||
| Average total assets | $46,829,500 | 6,465 |
| Average earning assets | $42,071,500 | 6,453 |
| Average equity | $8,718,500 | 5,354 |
| Average total loans | $22,317,000 | 6,493 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9234% | 3,246 |
| Cost of funding earning assets | 1.0255% | 3,194 |
| Net interest margin | 3.8979% | 3,347 |
| Noninterest income to average assets | 1.1231% | 1,047 |
| Noninterest expense to average assets | 3.5310% | 1,910 |
| Loan and lease loss provision to assets | 0.1093% | 5,227 |
| Net operating income to assets | 0.9046% | 2,580 |
| Return on assets (ROA) | 1.0357% | 2,216 |
| Pretax return on assets | 1.0357% | 3,100 |
| Return on Equity (ROE) | 5.5207% | 4,119 |
| Retained earnings to average equity (ytd only) | 3.1913% | 3,948 |
| Net charge-offs to loans | 0.5204% | 2,910 |
| Credit loss provision to net charge-offs | 39.6825% | 5,631 |
| Earnings coverage of net charge-offs (x) | 3.6825% | 3,425 |
| Efficiency ratio | 77.6923% | 2,631 |
| Assets per employee ($millions) | 2.5392% | 6,797 |
| Cash dividends to net income (ytd only)* | 42.1941% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1674% | 1,867 |
| Loan loss allowance to noncurrent loans | 357.5342% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 5,624 |
| Noncurrent loans to loans | 0.6062% | 5,503 |
| Net loans and leases to total assets | 51.5523% | 5,379 |
| Net loans and leases to deposits | 76.1809% | 3,153 |
| Net loans and leases to core deposits | 78.2323% | 3,656 |
| Total domestic deposits to total assets | 67.6709% | 7,086 |
| Equity capital to assets | 18.9673% | 281 |
| Core capital (leverage) ratio | 15.1111% | 584 |
| Tier 1 risk-based capital ratio | 22.4840% | 1,168 |
| Total risk-based capital ratio | 23.7390% | 1,140 |
| Memoranda: | ||
| Average total assets | $45,765,800 | 6,486 |
| Average earning assets | $40,175,400 | 6,523 |
| Average equity | $8,585,800 | 5,382 |
| Average total loans | $24,212,600 | 6,457 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 3,438 |
| Cost of funding earning assets | 1.0487% | 3,327 |
| Net interest margin | 3.8787% | 3,482 |
| Noninterest income to average assets | 0.6203% | 3,050 |
| Noninterest expense to average assets | 3.3987% | 2,190 |
| Loan and lease loss provision to assets | 0.1019% | 5,167 |
| Net operating income to assets | 0.5126% | 4,492 |
| Return on assets (ROA) | 0.6291% | 4,150 |
| Pretax return on assets | 0.6291% | 4,717 |
| Return on Equity (ROE) | 3.3624% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.3624% | 4,335 |
| Net charge-offs to loans | 0.6984% | 2,163 |
| Credit loss provision to net charge-offs | 27.5591% | 5,451 |
| Earnings coverage of net charge-offs (x) | 1.6614% | 4,404 |
| Efficiency ratio | 84.6880% | 1,670 |
| Assets per employee ($millions) | 2.5253% | 6,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0802% | 2,116 |
| Loan loss allowance to noncurrent loans | 322.2930% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 5,701 |
| Noncurrent loans to loans | 0.6455% | 5,597 |
| Net loans and leases to total assets | 52.3979% | 5,398 |
| Net loans and leases to deposits | 80.1602% | 2,628 |
| Net loans and leases to core deposits | 82.4067% | 3,266 |
| Total domestic deposits to total assets | 65.3665% | 7,216 |
| Equity capital to assets | 19.1768% | 303 |
| Core capital (leverage) ratio | 14.9885% | 666 |
| Tier 1 risk-based capital ratio | 22.6454% | 1,196 |
| Total risk-based capital ratio | 23.9033% | 1,173 |
| Memoranda: | ||
| Average total assets | $45,781,000 | 6,543 |
| Average earning assets | $40,046,750 | 6,585 |
| Average equity | $8,565,000 | 5,420 |
| Average total loans | $24,244,750 | 6,519 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9391% | 3,448 |
| Cost of funding earning assets | 1.0741% | 3,436 |
| Net interest margin | 3.8649% | 3,467 |
| Noninterest income to average assets | 0.6537% | 2,807 |
| Noninterest expense to average assets | 3.4474% | 2,124 |
| Loan and lease loss provision to assets | 0.0872% | 5,222 |
| Net operating income to assets | 0.4751% | 4,621 |
| Return on assets (ROA) | 0.6102% | 4,136 |
| Pretax return on assets | 0.6102% | 4,718 |
| Return on Equity (ROE) | 3.2886% | 5,263 |
| Retained earnings to average equity (ytd only) | 3.2886% | 4,169 |
| Net charge-offs to loans | 0.9910% | 1,580 |
| Credit loss provision to net charge-offs | 16.6667% | 5,179 |
| Earnings coverage of net charge-offs (x) | 1.0750% | 4,485 |
| Efficiency ratio | 85.9783% | 1,603 |
| Assets per employee ($millions) | 2.6144% | 6,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1138% | 2,095 |
| Loan loss allowance to noncurrent loans | 294.6746% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 2.9006% | 2,317 |
| Noncurrent loans to loans | 0.7173% | 5,474 |
| Net loans and leases to total assets | 49.0066% | 5,946 |
| Net loans and leases to deposits | 77.6524% | 3,189 |
| Net loans and leases to core deposits | 80.6392% | 3,699 |
| Total domestic deposits to total assets | 63.1101% | 7,329 |
| Equity capital to assets | 18.4959% | 344 |
| Core capital (leverage) ratio | 14.7044% | 725 |
| Tier 1 risk-based capital ratio | 22.7779% | 1,153 |
| Total risk-based capital ratio | 24.0335% | 1,134 |
| Memoranda: | ||
| Average total assets | $45,889,330 | 6,600 |
| Average earning assets | $39,845,670 | 6,644 |
| Average equity | $8,514,330 | 5,451 |
| Average total loans | $24,218,330 | 6,580 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 3,655 |
| Cost of funding earning assets | 1.1151% | 3,420 |
| Net interest margin | 3.7712% | 3,753 |
| Noninterest income to average assets | -0.1324% | 7,396 |
| Noninterest expense to average assets | 3.4875% | 2,036 |
| Loan and lease loss provision to assets | 0.0441% | 5,447 |
| Net operating income to assets | -0.3797% | 6,729 |
| Return on assets (ROA) | -0.3797% | 6,735 |
| Pretax return on assets | -0.3797% | 6,673 |
| Return on Equity (ROE) | -2.0429% | 6,587 |
| Retained earnings to average equity (ytd only) | -2.0429% | 6,153 |
| Net charge-offs to loans | 1.7436% | 755 |
| Credit loss provision to net charge-offs | 4.6729% | 4,432 |
| Earnings coverage of net charge-offs (x) | -0.3551% | 4,750 |
| Efficiency ratio | 110.6443% | 489 |
| Assets per employee ($millions) | 2.5292% | 6,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1055% | 2,179 |
| Loan loss allowance to noncurrent loans | 87.7876% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 4.3140% | 1,518 |
| Noncurrent loans to loans | 2.3984% | 3,092 |
| Net loans and leases to total assets | 50.6546% | 5,758 |
| Net loans and leases to deposits | 74.6287% | 3,662 |
| Net loans and leases to core deposits | 76.6197% | 4,220 |
| Total domestic deposits to total assets | 67.8755% | 7,268 |
| Equity capital to assets | 18.4466% | 336 |
| Core capital (leverage) ratio | 14.0998% | 832 |
| Tier 1 risk-based capital ratio | 22.5275% | 1,142 |
| Total risk-based capital ratio | 23.7841% | 1,120 |
| Memoranda: | ||
| Average total assets | $45,304,500 | 6,656 |
| Average earning assets | $39,457,000 | 6,703 |
| Average equity | $8,419,500 | 5,483 |
| Average total loans | $24,547,500 | 6,609 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6153% | 1,836 |
| Cost of funding earning assets | 1.3740% | 3,430 |
| Net interest margin | 4.2414% | 2,025 |
| Noninterest income to average assets | 1.2481% | 957 |
| Noninterest expense to average assets | 3.4024% | 2,434 |
| Loan and lease loss provision to assets | 0.4061% | 3,675 |
| Net operating income to assets | 1.0814% | 1,757 |
| Return on assets (ROA) | 0.7288% | 3,232 |
| Pretax return on assets | 0.7288% | 3,877 |
| Return on Equity (ROE) | 4.1302% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.1302% | 2,960 |
| Net charge-offs to loans | 0.6788% | 2,971 |
| Credit loss provision to net charge-offs | 102.7027% | 4,403 |
| Earnings coverage of net charge-offs (x) | 3.7622% | 3,203 |
| Efficiency ratio | 69.5804% | 4,271 |
| Assets per employee ($millions) | 2.3728% | 7,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3416% | 1,628 |
| Loan loss allowance to noncurrent loans | 90.4690% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 4.8799% | 1,326 |
| Noncurrent loans to loans | 2.5883% | 2,944 |
| Net loans and leases to total assets | 55.3202% | 5,440 |
| Net loans and leases to deposits | 86.3723% | 2,030 |
| Net loans and leases to core deposits | 89.0206% | 2,896 |
| Total domestic deposits to total assets | 64.0485% | 7,442 |
| Equity capital to assets | 18.7232% | 332 |
| Core capital (leverage) ratio | 14.3776% | 772 |
| Tier 1 risk-based capital ratio | 20.4565% | 1,408 |
| Total risk-based capital ratio | 21.6842% | 1,392 |
| Memoranda: | ||
| Average total assets | $46,790,200 | 6,644 |
| Average earning assets | $40,175,600 | 6,708 |
| Average equity | $8,256,200 | 5,634 |
| Average total loans | $27,253,200 | 6,544 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7278% | 1,616 |
| Cost of funding earning assets | 1.4080% | 3,537 |
| Net interest margin | 4.3198% | 1,777 |
| Noninterest income to average assets | 0.9799% | 1,525 |
| Noninterest expense to average assets | 3.3998% | 2,293 |
| Loan and lease loss provision to assets | 0.5365% | 2,793 |
| Net operating income to assets | 0.7427% | 3,233 |
| Return on assets (ROA) | 0.2767% | 5,413 |
| Pretax return on assets | 0.2767% | 5,561 |
| Return on Equity (ROE) | 1.5915% | 5,740 |
| Retained earnings to average equity (ytd only) | 1.5915% | 5,158 |
| Net charge-offs to loans | 0.0241% | 6,340 |
| Credit loss provision to net charge-offs | 3,800.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 90.5517% | 341 |
| Efficiency ratio | 72.6614% | 3,577 |
| Assets per employee ($millions) | 2.3903% | 7,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8970% | 914 |
| Loan loss allowance to noncurrent loans | 89.6313% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 5.6038% | 1,096 |
| Noncurrent loans to loans | 3.2322% | 2,453 |
| Net loans and leases to total assets | 57.4181% | 5,348 |
| Net loans and leases to deposits | 91.3124% | 1,535 |
| Net loans and leases to core deposits | 95.8643% | 2,276 |
| Total domestic deposits to total assets | 62.8809% | 7,541 |
| Equity capital to assets | 18.3085% | 389 |
| Core capital (leverage) ratio | 13.4115% | 1,087 |
| Tier 1 risk-based capital ratio | 19.5090% | 1,640 |
| Total risk-based capital ratio | 20.7720% | 1,604 |
| Memoranda: | ||
| Average total assets | $47,217,000 | 6,711 |
| Average earning assets | $40,433,250 | 6,783 |
| Average equity | $8,210,000 | 5,728 |
| Average total loans | $27,682,000 | 6,608 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7031% | 1,750 |
| Cost of funding earning assets | 1.4136% | 3,790 |
| Net interest margin | 4.2895% | 1,821 |
| Noninterest income to average assets | 0.6859% | 2,783 |
| Noninterest expense to average assets | 3.2080% | 2,874 |
| Loan and lease loss provision to assets | 0.7863% | 1,827 |
| Net operating income to assets | 0.3722% | 4,880 |
| Return on assets (ROA) | -0.2802% | 6,499 |
| Pretax return on assets | -0.2802% | 6,405 |
| Return on Equity (ROE) | -1.6391% | 6,391 |
| Retained earnings to average equity (ytd only) | -1.6391% | 6,092 |
| Net charge-offs to loans | 0.0644% | 5,497 |
| Credit loss provision to net charge-offs | 2,088.8889% | 196 |
| Earnings coverage of net charge-offs (x) | 30.7778% | 905 |
| Efficiency ratio | 73.4674% | 3,568 |
| Assets per employee ($millions) | 2.6114% | 6,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7053% | 1,087 |
| Loan loss allowance to noncurrent loans | 89.3519% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 5.2887% | 1,188 |
| Noncurrent loans to loans | 3.0276% | 2,658 |
| Net loans and leases to total assets | 59.0669% | 5,237 |
| Net loans and leases to deposits | 99.6268% | 757 |
| Net loans and leases to core deposits | 105.1068% | 1,525 |
| Total domestic deposits to total assets | 59.2882% | 7,669 |
| Equity capital to assets | 17.2063% | 502 |
| Core capital (leverage) ratio | 12.9442% | 1,227 |
| Tier 1 risk-based capital ratio | 17.5331% | 2,094 |
| Total risk-based capital ratio | 18.7955% | 2,053 |
| Memoranda: | ||
| Average total assets | $47,817,330 | 6,735 |
| Average earning assets | $41,030,670 | 6,812 |
| Average equity | $8,175,000 | 5,739 |
| Average total loans | $27,957,670 | 6,635 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7840% | 1,510 |
| Cost of funding earning assets | 1.4436% | 3,915 |
| Net interest margin | 4.3404% | 1,564 |
| Noninterest income to average assets | 0.1493% | 6,902 |
| Noninterest expense to average assets | 3.2018% | 2,854 |
| Loan and lease loss provision to assets | 0.5226% | 2,409 |
| Net operating income to assets | 0.1410% | 5,885 |
| Return on assets (ROA) | -0.0498% | 6,454 |
| Pretax return on assets | -0.0498% | 6,412 |
| Return on Equity (ROE) | -0.2920% | 6,444 |
| Retained earnings to average equity (ytd only) | -0.2920% | 5,896 |
| Net charge-offs to loans | -0.0289% | 7,180 |
| Credit loss provision to net charge-offs | -3,150.0000% | 6,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8326% | 2,159 |
| Assets per employee ($millions) | 2.6513% | 6,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4232% | 1,396 |
| Loan loss allowance to noncurrent loans | 50.6154% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 7.2312% | 731 |
| Noncurrent loans to loans | 4.7875% | 1,536 |
| Net loans and leases to total assets | 55.5192% | 5,814 |
| Net loans and leases to deposits | 91.0296% | 1,756 |
| Net loans and leases to core deposits | 96.5316% | 2,522 |
| Total domestic deposits to total assets | 60.9903% | 7,739 |
| Equity capital to assets | 17.2178% | 508 |
| Core capital (leverage) ratio | 12.5816% | 1,377 |
| Tier 1 risk-based capital ratio | 17.0398% | 2,259 |
| Total risk-based capital ratio | 18.3259% | 2,195 |
| Memoranda: | ||
| Average total assets | $48,223,000 | 6,794 |
| Average earning assets | $41,286,500 | 6,887 |
| Average equity | $8,218,500 | 5,760 |
| Average total loans | $27,668,000 | 6,738 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1578% | 1,349 |
| Cost of funding earning assets | 1.6918% | 4,560 |
| Net interest margin | 4.4660% | 1,252 |
| Noninterest income to average assets | 1.8110% | 450 |
| Noninterest expense to average assets | 3.0591% | 3,910 |
| Loan and lease loss provision to assets | 1.9411% | 1,138 |
| Net operating income to assets | 0.6794% | 3,018 |
| Return on assets (ROA) | 0.8560% | 2,402 |
| Pretax return on assets | 0.8560% | 3,066 |
| Return on Equity (ROE) | 5.4604% | 3,450 |
| Retained earnings to average equity (ytd only) | 2.3649% | 3,461 |
| Net charge-offs to loans | 3.0448% | 688 |
| Credit loss provision to net charge-offs | 110.2536% | 4,993 |
| Earnings coverage of net charge-offs (x) | 1.4884% | 4,638 |
| Efficiency ratio | 53.8619% | 7,245 |
| Assets per employee ($millions) | 2.7068% | 6,842 |
| Cash dividends to net income (ytd only)* | 56.6893% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1042% | 1,816 |
| Loan loss allowance to noncurrent loans | 71.1885% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 6.7485% | 770 |
| Noncurrent loans to loans | 2.9558% | 2,603 |
| Net loans and leases to total assets | 56.6253% | 5,883 |
| Net loans and leases to deposits | 95.2100% | 1,431 |
| Net loans and leases to core deposits | 121.3077% | 1,855 |
| Total domestic deposits to total assets | 59.4742% | 7,812 |
| Equity capital to assets | 16.8712% | 568 |
| Core capital (leverage) ratio | 12.5799% | 1,415 |
| Tier 1 risk-based capital ratio | 16.9612% | 2,159 |
| Total risk-based capital ratio | 18.2228% | 2,123 |
| Memoranda: | ||
| Average total assets | $51,518,000 | 6,650 |
| Average earning assets | $44,626,400 | 6,735 |
| Average equity | $8,076,400 | 5,900 |
| Average total loans | $29,788,400 | 6,637 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1823% | 1,414 |
| Cost of funding earning assets | 1.7387% | 4,703 |
| Net interest margin | 4.4436% | 1,333 |
| Noninterest income to average assets | 1.3048% | 915 |
| Noninterest expense to average assets | 2.9032% | 4,441 |
| Loan and lease loss provision to assets | 1.7874% | 1,037 |
| Net operating income to assets | 0.4775% | 4,080 |
| Return on assets (ROA) | 0.7711% | 2,989 |
| Pretax return on assets | 0.7711% | 3,623 |
| Return on Equity (ROE) | 5.0079% | 3,962 |
| Retained earnings to average equity (ytd only) | 5.0079% | 2,486 |
| Net charge-offs to loans | 1.4044% | 1,467 |
| Credit loss provision to net charge-offs | 220.1258% | 1,996 |
| Earnings coverage of net charge-offs (x) | 2.7893% | 3,825 |
| Efficiency ratio | 56.1759% | 6,976 |
| Assets per employee ($millions) | 2.7516% | 6,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9977% | 669 |
| Loan loss allowance to noncurrent loans | 61.6783% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 6.4105% | 797 |
| Noncurrent loans to loans | 4.8601% | 1,391 |
| Net loans and leases to total assets | 57.6260% | 5,947 |
| Net loans and leases to deposits | 96.4484% | 1,515 |
| Net loans and leases to core deposits | 124.0482% | 1,894 |
| Total domestic deposits to total assets | 59.7480% | 7,881 |
| Equity capital to assets | 16.8652% | 650 |
| Core capital (leverage) ratio | 12.0252% | 1,792 |
| Tier 1 risk-based capital ratio | 16.5523% | 2,407 |
| Total risk-based capital ratio | 17.7856% | 2,368 |
| Memoranda: | ||
| Average total assets | $52,217,000 | 6,673 |
| Average earning assets | $45,397,250 | 6,762 |
| Average equity | $8,040,500 | 5,968 |
| Average total loans | $30,190,000 | 6,669 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1376% | 1,656 |
| Cost of funding earning assets | 1.7887% | 4,812 |
| Net interest margin | 4.3489% | 1,527 |
| Noninterest income to average assets | 1.0506% | 1,431 |
| Noninterest expense to average assets | 2.8693% | 4,643 |
| Loan and lease loss provision to assets | 1.5062% | 1,138 |
| Net operating income to assets | 0.4745% | 4,199 |
| Return on assets (ROA) | 0.6477% | 3,581 |
| Pretax return on assets | 0.6477% | 4,168 |
| Return on Equity (ROE) | 4.3345% | 4,367 |
| Retained earnings to average equity (ytd only) | 4.3345% | 2,888 |
| Net charge-offs to loans | 2.0890% | 883 |
| Credit loss provision to net charge-offs | 125.7862% | 3,696 |
| Earnings coverage of net charge-offs (x) | 1.6541% | 4,303 |
| Efficiency ratio | 59.1615% | 6,668 |
| Assets per employee ($millions) | 2.8947% | 6,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9356% | 1,705 |
| Loan loss allowance to noncurrent loans | 21.2953% | 7,056 |
| Noncurrent assets plus other real estate owned to assets | 6.2911% | 752 |
| Noncurrent loans to loans | 9.0894% | 428 |
| Net loans and leases to total assets | 56.5896% | 6,140 |
| Net loans and leases to deposits | 99.0693% | 1,382 |
| Net loans and leases to core deposits | 127.8886% | 1,717 |
| Total domestic deposits to total assets | 57.1212% | 7,994 |
| Equity capital to assets | 15.5283% | 925 |
| Core capital (leverage) ratio | 11.5449% | 2,063 |
| Tier 1 risk-based capital ratio | 16.0947% | 2,591 |
| Total risk-based capital ratio | 17.3202% | 2,544 |
| Memoranda: | ||
| Average total assets | $53,113,330 | 6,695 |
| Average earning assets | $46,402,670 | 6,779 |
| Average equity | $7,936,330 | 6,041 |
| Average total loans | $30,445,670 | 6,711 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2337% | 1,493 |
| Cost of funding earning assets | 1.9181% | 4,543 |
| Net interest margin | 4.3156% | 1,562 |
| Noninterest income to average assets | 1.1862% | 1,031 |
| Noninterest expense to average assets | 2.7827% | 4,638 |
| Loan and lease loss provision to assets | 1.1190% | 1,167 |
| Net operating income to assets | 1.0444% | 2,150 |
| Return on assets (ROA) | 1.2682% | 1,556 |
| Pretax return on assets | 1.2682% | 2,382 |
| Return on Equity (ROE) | 8.6525% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.6525% | 1,580 |
| Net charge-offs to loans | 0.2350% | 3,233 |
| Credit loss provision to net charge-offs | 833.3333% | 724 |
| Earnings coverage of net charge-offs (x) | 16.1111% | 1,568 |
| Efficiency ratio | 56.2594% | 6,935 |
| Assets per employee ($millions) | 3.0836% | 5,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1050% | 1,224 |
| Loan loss allowance to noncurrent loans | 41.8266% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 3.9221% | 1,325 |
| Noncurrent loans to loans | 5.0326% | 1,077 |
| Net loans and leases to total assets | 56.0691% | 6,229 |
| Net loans and leases to deposits | 96.6429% | 1,848 |
| Net loans and leases to core deposits | 122.9174% | 2,173 |
| Total domestic deposits to total assets | 58.0168% | 8,006 |
| Equity capital to assets | 15.1657% | 1,054 |
| Core capital (leverage) ratio | 12.9387% | 1,501 |
| Tier 1 risk-based capital ratio | 16.3586% | 2,568 |
| Total risk-based capital ratio | 17.6019% | 2,513 |
| Memoranda: | ||
| Average total assets | $53,617,500 | 6,722 |
| Average earning assets | $46,714,000 | 6,810 |
| Average equity | $7,859,000 | 6,105 |
| Average total loans | $30,634,500 | 6,726 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1886% | 764 |
| Cost of funding earning assets | 2.7706% | 2,830 |
| Net interest margin | 4.4180% | 1,631 |
| Noninterest income to average assets | 0.6221% | 3,697 |
| Noninterest expense to average assets | 2.6796% | 5,342 |
| Loan and lease loss provision to assets | 0.4066% | 3,248 |
| Net operating income to assets | 1.6143% | 816 |
| Return on assets (ROA) | 1.1751% | 1,785 |
| Pretax return on assets | 1.1751% | 2,741 |
| Return on Equity (ROE) | 10.9032% | 1,935 |
| Retained earnings to average equity (ytd only) | -0.4150% | 5,411 |
| Net charge-offs to loans | 0.9808% | 1,263 |
| Credit loss provision to net charge-offs | 60.2410% | 6,229 |
| Earnings coverage of net charge-offs (x) | 2.9940% | 4,590 |
| Efficiency ratio | 57.0069% | 6,873 |
| Assets per employee ($millions) | 3.7810% | 3,996 |
| Cash dividends to net income (ytd only)* | 103.8062% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 3,154 |
| Loan loss allowance to noncurrent loans | 80.1917% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.8627% | 2,648 |
| Noncurrent loans to loans | 1.7549% | 3,131 |
| Net loans and leases to total assets | 66.4412% | 4,765 |
| Net loans and leases to deposits | 93.4031% | 2,874 |
| Net loans and leases to core deposits | 117.6018% | 2,938 |
| Total domestic deposits to total assets | 71.1339% | 7,140 |
| Equity capital to assets | 10.3298% | 3,684 |
| Core capital (leverage) ratio | 11.1904% | 2,437 |
| Tier 1 risk-based capital ratio | 13.0046% | 4,106 |
| Total risk-based capital ratio | 14.1679% | 4,075 |
| Memoranda: | ||
| Average total assets | $24,593,200 | 7,854 |
| Average earning assets | $22,702,600 | 7,833 |
| Average equity | $2,650,600 | 7,941 |
| Average total loans | $16,925,800 | 7,526 |