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 | 4.7402% | 2,595 |
| Cost of funding earning assets | 1.8047% | 1,241 |
| Net interest margin | 2.9354% | 3,419 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.3058% | 2,838 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7952% | 2,889 |
| Return on assets (ROA) | 0.8111% | 2,818 |
| Pretax return on assets | 0.8111% | 3,187 |
| Return on Equity (ROE) | 8.6300% | 2,856 |
| Retained earnings to average equity (ytd only) | 5.4638% | 2,417 |
| Net charge-offs to loans | -0.0013% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.7232% | 1,685 |
| Assets per employee ($millions) | 8.3273% | 1,264 |
| Cash dividends to net income (ytd only)* | 36.7005% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 1,857 |
| Loan loss allowance to noncurrent loans | 7,594.5455% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 3,655 |
| Noncurrent loans to loans | 0.0169% | 3,625 |
| Net loans and leases to total assets | 87.6800% | 99 |
| Net loans and leases to deposits | 104.4798% | 341 |
| Net loans and leases to core deposits | 115.3518% | 771 |
| Total domestic deposits to total assets | 83.9200% | 2,648 |
| Equity capital to assets | 9.3556% | 2,451 |
| Core capital (leverage) ratio | 9.5163% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $352,719,600 | 2,187 |
| Average earning assets | $336,337,000 | 2,143 |
| Average equity | $33,145,600 | 2,138 |
| Average total loans | $308,041,000 | 1,759 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6107% | 2,654 |
| Cost of funding earning assets | 1.6469% | 1,288 |
| Net interest margin | 2.9637% | 3,412 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.1853% | 3,118 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.9936% | 2,382 |
| Return on assets (ROA) | 1.0058% | 2,335 |
| Pretax return on assets | 1.0058% | 2,842 |
| Return on Equity (ROE) | 10.6900% | 2,452 |
| Retained earnings to average equity (ytd only) | 6.4307% | 2,485 |
| Net charge-offs to loans | -0.0018% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.0517% | 2,140 |
| Assets per employee ($millions) | 8.4036% | 1,159 |
| Cash dividends to net income (ytd only)* | 39.8482% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 1,845 |
| Loan loss allowance to noncurrent loans | 7,200.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 3,683 |
| Noncurrent loans to loans | 0.0181% | 3,646 |
| Net loans and leases to total assets | 85.8600% | 168 |
| Net loans and leases to deposits | 108.8771% | 226 |
| Net loans and leases to core deposits | 123.3644% | 474 |
| Total domestic deposits to total assets | 78.8600% | 3,717 |
| Equity capital to assets | 9.2925% | 2,230 |
| Core capital (leverage) ratio | 9.6359% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $349,299,750 | 2,203 |
| Average earning assets | $333,133,000 | 2,172 |
| Average equity | $32,862,250 | 2,134 |
| Average total loans | $303,691,000 | 1,780 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4702% | 2,722 |
| Cost of funding earning assets | 1.4102% | 1,421 |
| Net interest margin | 3.0601% | 3,301 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.1704% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1110% | 2,095 |
| Return on assets (ROA) | 1.1237% | 2,046 |
| Pretax return on assets | 1.1237% | 2,577 |
| Return on Equity (ROE) | 11.8900% | 2,181 |
| Retained earnings to average equity (ytd only) | 8.5215% | 1,811 |
| Net charge-offs to loans | -0.0020% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.3374% | 2,446 |
| Assets per employee ($millions) | 8.1863% | 1,234 |
| Cash dividends to net income (ytd only)* | 28.3505% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 1,748 |
| Loan loss allowance to noncurrent loans | 6,706.6667% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,658 |
| Noncurrent loans to loans | 0.0200% | 3,615 |
| Net loans and leases to total assets | 86.0900% | 147 |
| Net loans and leases to deposits | 103.4255% | 386 |
| Net loans and leases to core deposits | 116.0490% | 627 |
| Total domestic deposits to total assets | 83.2300% | 2,994 |
| Equity capital to assets | 9.6697% | 2,047 |
| Core capital (leverage) ratio | 9.7141% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $345,281,333 | 2,222 |
| Average earning assets | $329,601,333 | 2,190 |
| Average equity | $32,623,333 | 2,158 |
| Average total loans | $300,135,333 | 1,783 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2828% | 2,841 |
| Cost of funding earning assets | 1.1337% | 1,654 |
| Net interest margin | 3.1490% | 3,239 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.0323% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2323% | 1,845 |
| Return on assets (ROA) | 1.2451% | 1,785 |
| Pretax return on assets | 1.2451% | 2,317 |
| Return on Equity (ROE) | 13.3300% | 1,919 |
| Retained earnings to average equity (ytd only) | 7.7619% | 2,296 |
| Net charge-offs to loans | -0.0027% | 3,479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.4462% | 2,904 |
| Assets per employee ($millions) | 8.6495% | 1,073 |
| Cash dividends to net income (ytd only)* | 41.7827% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 1,795 |
| Loan loss allowance to noncurrent loans | 6,444.4444% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 3,630 |
| Noncurrent loans to loans | 0.0210% | 3,626 |
| Net loans and leases to total assets | 85.4200% | 158 |
| Net loans and leases to deposits | 101.6503% | 373 |
| Net loans and leases to core deposits | 108.7984% | 740 |
| Total domestic deposits to total assets | 84.0300% | 3,087 |
| Equity capital to assets | 9.4093% | 2,221 |
| Core capital (leverage) ratio | 9.7636% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $346,009,000 | 2,250 |
| Average earning assets | $329,880,500 | 2,215 |
| Average equity | $32,311,500 | 2,204 |
| Average total loans | $300,199,500 | 1,791 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 1,877 |
| Cost of funding earning assets | 0.5467% | 1,126 |
| Net interest margin | 3.3979% | 2,267 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.4523% | 2,263 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.0816% | 2,252 |
| Return on assets (ROA) | 1.0862% | 2,173 |
| Pretax return on assets | 1.0862% | 2,817 |
| Return on Equity (ROE) | 11.1400% | 2,428 |
| Retained earnings to average equity (ytd only) | 5.4700% | 2,846 |
| Net charge-offs to loans | -0.0018% | 3,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.0371% | 2,087 |
| Assets per employee ($millions) | 8.4400% | 1,124 |
| Cash dividends to net income (ytd only)* | 50.8906% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,323 |
| Loan loss allowance to noncurrent loans | 5,796.8254% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 3,666 |
| Noncurrent loans to loans | 0.0209% | 3,658 |
| Net loans and leases to total assets | 85.8700% | 164 |
| Net loans and leases to deposits | 104.4870% | 281 |
| Net loans and leases to core deposits | 110.3351% | 601 |
| Total domestic deposits to total assets | 82.1900% | 3,590 |
| Equity capital to assets | 9.2674% | 2,183 |
| Core capital (leverage) ratio | 9.7012% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $325,616,600 | 2,318 |
| Average earning assets | $311,161,400 | 2,278 |
| Average equity | $31,755,000 | 2,258 |
| Average total loans | $277,568,200 | 1,827 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 1,705 |
| Cost of funding earning assets | 0.4461% | 1,002 |
| Net interest margin | 3.3706% | 2,068 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.3254% | 2,555 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1864% | 1,750 |
| Return on assets (ROA) | 1.1893% | 1,717 |
| Pretax return on assets | 1.1893% | 2,409 |
| Return on Equity (ROE) | 12.0300% | 2,019 |
| Retained earnings to average equity (ytd only) | 6.7725% | 2,453 |
| Net charge-offs to loans | -0.0005% | 3,133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.6502% | 2,598 |
| Assets per employee ($millions) | 8.2471% | 1,196 |
| Cash dividends to net income (ytd only)* | 43.7216% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 2,243 |
| Loan loss allowance to noncurrent loans | 5,613.8462% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 3,755 |
| Noncurrent loans to loans | 0.0223% | 3,743 |
| Net loans and leases to total assets | 84.9800% | 186 |
| Net loans and leases to deposits | 98.4192% | 433 |
| Net loans and leases to core deposits | 103.7663% | 660 |
| Total domestic deposits to total assets | 86.3400% | 2,972 |
| Equity capital to assets | 9.3635% | 1,972 |
| Core capital (leverage) ratio | 9.9200% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $320,510,750 | 2,366 |
| Average earning assets | $306,365,250 | 2,315 |
| Average equity | $31,676,500 | 2,289 |
| Average total loans | $271,757,250 | 1,848 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 1,578 |
| Cost of funding earning assets | 0.3578% | 1,205 |
| Net interest margin | 3.3257% | 1,836 |
| Noninterest income to average assets | 0.3483% | 3,065 |
| Noninterest expense to average assets | 2.3233% | 2,482 |
| Loan and lease loss provision to assets | 0.0318% | 2,018 |
| Net operating income to assets | 1.1715% | 1,531 |
| Return on assets (ROA) | 1.1747% | 1,500 |
| Pretax return on assets | 1.1747% | 2,154 |
| Return on Equity (ROE) | 11.6661% | 1,766 |
| Retained earnings to average equity (ytd only) | 6.6158% | 2,125 |
| Net charge-offs to loans | 0.0015% | 2,069 |
| Credit loss provision to net charge-offs | 2,500.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 946.5000% | 137 |
| Efficiency ratio | 64.0591% | 2,768 |
| Assets per employee ($millions) | 7.9719% | 1,322 |
| Cash dividends to net income (ytd only)* | 43.2900% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 2,211 |
| Loan loss allowance to noncurrent loans | 4,610.2564% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 3,758 |
| Noncurrent loans to loans | 0.0281% | 3,746 |
| Net loans and leases to total assets | 83.8361% | 192 |
| Net loans and leases to deposits | 99.8353% | 276 |
| Net loans and leases to core deposits | 106.7057% | 425 |
| Total domestic deposits to total assets | 83.9744% | 3,690 |
| Equity capital to assets | 9.6783% | 1,896 |
| Core capital (leverage) ratio | 10.1602% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,637,000 | 2,411 |
| Average earning assets | $300,688,000 | 2,381 |
| Average equity | $31,681,667 | 2,330 |
| Average total loans | $265,350,333 | 1,874 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5805% | 1,562 |
| Cost of funding earning assets | 0.3470% | 1,235 |
| Net interest margin | 3.2335% | 1,772 |
| Noninterest income to average assets | 0.3449% | 3,031 |
| Noninterest expense to average assets | 2.3414% | 2,369 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1085% | 1,505 |
| Return on assets (ROA) | 1.1318% | 1,430 |
| Pretax return on assets | 1.1318% | 2,045 |
| Return on Equity (ROE) | 11.0137% | 1,617 |
| Retained earnings to average equity (ytd only) | 6.5981% | 2,031 |
| Net charge-offs to loans | -0.0031% | 3,195 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9526% | 2,777 |
| Assets per employee ($millions) | 7.7066% | 1,543 |
| Cash dividends to net income (ytd only)* | 40.0916% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 1,922 |
| Loan loss allowance to noncurrent loans | 2,366.6667% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,556 |
| Noncurrent loans to loans | 0.0589% | 3,565 |
| Net loans and leases to total assets | 81.4236% | 183 |
| Net loans and leases to deposits | 94.5439% | 334 |
| Net loans and leases to core deposits | 101.1697% | 471 |
| Total domestic deposits to total assets | 86.1225% | 3,218 |
| Equity capital to assets | 10.2406% | 1,728 |
| Core capital (leverage) ratio | 10.1604% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,532,500 | 2,460 |
| Average earning assets | $296,274,500 | 2,413 |
| Average equity | $31,706,000 | 2,404 |
| Average total loans | $259,220,000 | 1,892 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 1,039 |
| Cost of funding earning assets | 0.4472% | 1,221 |
| Net interest margin | 3.7269% | 1,153 |
| Noninterest income to average assets | 0.4940% | 2,599 |
| Noninterest expense to average assets | 2.5376% | 2,065 |
| Loan and lease loss provision to assets | 0.1114% | 1,131 |
| Net operating income to assets | 1.4090% | 1,247 |
| Return on assets (ROA) | 1.4187% | 1,286 |
| Pretax return on assets | 1.4309% | 1,944 |
| Return on Equity (ROE) | 13.4549% | 1,330 |
| Retained earnings to average equity (ytd only) | 6.9708% | 1,928 |
| Net charge-offs to loans | -0.0075% | 3,656 |
| Credit loss provision to net charge-offs | -1,736.8421% | 4,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6553% | 3,054 |
| Assets per employee ($millions) | 7.5318% | 1,604 |
| Cash dividends to net income (ytd only)* | 48.1913% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 2,164 |
| Loan loss allowance to noncurrent loans | 1,722.3301% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,501 |
| Noncurrent loans to loans | 0.0781% | 3,539 |
| Net loans and leases to total assets | 84.3075% | 100 |
| Net loans and leases to deposits | 98.4321% | 236 |
| Net loans and leases to core deposits | 105.3576% | 385 |
| Total domestic deposits to total assets | 85.6504% | 3,035 |
| Equity capital to assets | 10.3121% | 2,355 |
| Core capital (leverage) ratio | 10.2126% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,181,600 | 2,447 |
| Average earning assets | $284,206,200 | 2,407 |
| Average equity | $31,230,200 | 2,454 |
| Average total loans | $252,273,000 | 1,915 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 1,101 |
| Cost of funding earning assets | 0.4704% | 1,210 |
| Net interest margin | 3.7345% | 1,265 |
| Noninterest income to average assets | 0.5474% | 2,419 |
| Noninterest expense to average assets | 2.3651% | 2,549 |
| Loan and lease loss provision to assets | 0.1273% | 916 |
| Net operating income to assets | 1.6218% | 982 |
| Return on assets (ROA) | 1.6312% | 1,004 |
| Pretax return on assets | 1.6476% | 1,560 |
| Return on Equity (ROE) | 15.3809% | 1,065 |
| Retained earnings to average equity (ytd only) | 9.9107% | 1,352 |
| Net charge-offs to loans | -0.0091% | 3,639 |
| Credit loss provision to net charge-offs | -1,647.0588% | 3,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5739% | 3,582 |
| Assets per employee ($millions) | 7.7757% | 1,397 |
| Cash dividends to net income (ytd only)* | 35.5649% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 2,270 |
| Loan loss allowance to noncurrent loans | 1,334.7328% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 3,523 |
| Noncurrent loans to loans | 0.1005% | 3,578 |
| Net loans and leases to total assets | 84.8258% | 93 |
| Net loans and leases to deposits | 102.3242% | 185 |
| Net loans and leases to core deposits | 110.0593% | 323 |
| Total domestic deposits to total assets | 82.8990% | 3,732 |
| Equity capital to assets | 10.5909% | 2,377 |
| Core capital (leverage) ratio | 10.4697% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,026,250 | 2,484 |
| Average earning assets | $281,151,750 | 2,447 |
| Average equity | $31,076,750 | 2,493 |
| Average total loans | $249,368,250 | 1,959 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 1,284 |
| Cost of funding earning assets | 0.4776% | 1,346 |
| Net interest margin | 3.6555% | 1,457 |
| Noninterest income to average assets | 0.5483% | 2,415 |
| Noninterest expense to average assets | 2.3196% | 2,704 |
| Loan and lease loss provision to assets | 0.0691% | 1,669 |
| Net operating income to assets | 1.6395% | 966 |
| Return on assets (ROA) | 1.6498% | 1,007 |
| Pretax return on assets | 1.6746% | 1,546 |
| Return on Equity (ROE) | 15.5483% | 1,046 |
| Retained earnings to average equity (ytd only) | 10.0163% | 1,389 |
| Net charge-offs to loans | -0.0008% | 3,072 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5120% | 3,600 |
| Assets per employee ($millions) | 7.5409% | 1,454 |
| Cash dividends to net income (ytd only)* | 35.5797% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 2,482 |
| Loan loss allowance to noncurrent loans | 735.1893% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 3,237 |
| Noncurrent loans to loans | 0.1756% | 3,335 |
| Net loans and leases to total assets | 85.8241% | 88 |
| Net loans and leases to deposits | 101.1084% | 229 |
| Net loans and leases to core deposits | 109.3003% | 380 |
| Total domestic deposits to total assets | 84.8832% | 3,149 |
| Equity capital to assets | 10.6611% | 2,257 |
| Core capital (leverage) ratio | 10.2251% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,617,667 | 2,498 |
| Average earning assets | $277,665,000 | 2,460 |
| Average equity | $30,730,000 | 2,499 |
| Average total loans | $245,580,000 | 1,997 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 850 |
| Cost of funding earning assets | 0.4956% | 1,414 |
| Net interest margin | 3.9516% | 909 |
| Noninterest income to average assets | 0.5957% | 2,229 |
| Noninterest expense to average assets | 2.1867% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1439% | 452 |
| Return on assets (ROA) | 2.1644% | 481 |
| Pretax return on assets | 2.2145% | 672 |
| Return on Equity (ROE) | 20.4484% | 506 |
| Retained earnings to average equity (ytd only) | 13.5446% | 806 |
| Net charge-offs to loans | -0.0083% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3000% | 4,321 |
| Assets per employee ($millions) | 7.5421% | 1,427 |
| Cash dividends to net income (ytd only)* | 33.7621% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 2,158 |
| Loan loss allowance to noncurrent loans | 635.7143% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 3,312 |
| Noncurrent loans to loans | 0.2138% | 3,341 |
| Net loans and leases to total assets | 79.0462% | 397 |
| Net loans and leases to deposits | 92.0194% | 593 |
| Net loans and leases to core deposits | 99.3713% | 740 |
| Total domestic deposits to total assets | 85.9018% | 2,769 |
| Equity capital to assets | 10.5075% | 2,270 |
| Core capital (leverage) ratio | 10.3150% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,378,000 | 2,503 |
| Average earning assets | $275,229,500 | 2,459 |
| Average equity | $30,418,000 | 2,511 |
| Average total loans | $240,516,500 | 2,027 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 1,495 |
| Cost of funding earning assets | 0.8429% | 1,043 |
| Net interest margin | 3.5883% | 2,173 |
| Noninterest income to average assets | 0.5633% | 2,359 |
| Noninterest expense to average assets | 2.4623% | 2,952 |
| Loan and lease loss provision to assets | 0.1573% | 2,403 |
| Net operating income to assets | 1.3177% | 1,202 |
| Return on assets (ROA) | 1.3324% | 1,263 |
| Pretax return on assets | 1.3461% | 1,832 |
| Return on Equity (ROE) | 12.2097% | 1,264 |
| Retained earnings to average equity (ytd only) | 4.2395% | 2,688 |
| Net charge-offs to loans | 0.0004% | 3,426 |
| Credit loss provision to net charge-offs | 42,500.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 4,022.0000% | 23 |
| Efficiency ratio | 60.4122% | 3,396 |
| Assets per employee ($millions) | 7.3846% | 1,347 |
| Cash dividends to net income (ytd only)* | 65.2778% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 2,388 |
| Loan loss allowance to noncurrent loans | 570.2317% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 3,286 |
| Noncurrent loans to loans | 0.2287% | 3,384 |
| Net loans and leases to total assets | 86.2829% | 89 |
| Net loans and leases to deposits | 101.1641% | 328 |
| Net loans and leases to core deposits | 110.0095% | 508 |
| Total domestic deposits to total assets | 85.2901% | 2,657 |
| Equity capital to assets | 10.6656% | 2,550 |
| Core capital (leverage) ratio | 9.8886% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,190,600 | 2,463 |
| Average earning assets | $255,081,600 | 2,441 |
| Average equity | $29,484,800 | 2,503 |
| Average total loans | $235,672,600 | 1,993 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 1,602 |
| Cost of funding earning assets | 0.8775% | 1,146 |
| Net interest margin | 3.6092% | 2,241 |
| Noninterest income to average assets | 0.5406% | 2,422 |
| Noninterest expense to average assets | 2.3479% | 3,292 |
| Loan and lease loss provision to assets | 0.1745% | 2,238 |
| Net operating income to assets | 1.3958% | 1,113 |
| Return on assets (ROA) | 1.4131% | 1,161 |
| Pretax return on assets | 1.4315% | 1,630 |
| Return on Equity (ROE) | 12.8729% | 1,150 |
| Retained earnings to average equity (ytd only) | 6.0642% | 2,081 |
| Net charge-offs to loans | 0.0006% | 3,226 |
| Credit loss provision to net charge-offs | 35,000.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 3,188.0000% | 24 |
| Efficiency ratio | 57.7089% | 3,708 |
| Assets per employee ($millions) | 7.3423% | 1,306 |
| Cash dividends to net income (ytd only)* | 52.8914% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 2,240 |
| Loan loss allowance to noncurrent loans | 529.3220% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 3,387 |
| Noncurrent loans to loans | 0.2421% | 3,434 |
| Net loans and leases to total assets | 86.2435% | 141 |
| Net loans and leases to deposits | 103.4817% | 400 |
| Net loans and leases to core deposits | 114.7313% | 531 |
| Total domestic deposits to total assets | 83.3418% | 3,045 |
| Equity capital to assets | 10.7735% | 2,571 |
| Core capital (leverage) ratio | 10.2508% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,585,000 | 2,454 |
| Average earning assets | $251,757,500 | 2,438 |
| Average equity | $29,373,750 | 2,502 |
| Average total loans | $233,260,750 | 2,012 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5157% | 1,874 |
| Cost of funding earning assets | 0.9366% | 1,207 |
| Net interest margin | 3.5791% | 2,550 |
| Noninterest income to average assets | 0.4489% | 2,813 |
| Noninterest expense to average assets | 2.3618% | 3,367 |
| Loan and lease loss provision to assets | 0.1896% | 2,129 |
| Net operating income to assets | 1.2568% | 1,470 |
| Return on assets (ROA) | 1.2806% | 1,527 |
| Pretax return on assets | 1.3087% | 1,998 |
| Return on Equity (ROE) | 11.5902% | 1,456 |
| Retained earnings to average equity (ytd only) | 5.0711% | 2,442 |
| Net charge-offs to loans | 0.0026% | 2,909 |
| Credit loss provision to net charge-offs | 8,333.3333% | 133 |
| Earnings coverage of net charge-offs (x) | 648.0000% | 155 |
| Efficiency ratio | 59.5770% | 3,473 |
| Assets per employee ($millions) | 6.9814% | 1,447 |
| Cash dividends to net income (ytd only)* | 56.2463% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 2,232 |
| Loan loss allowance to noncurrent loans | 452.9235% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 3,366 |
| Noncurrent loans to loans | 0.2771% | 3,390 |
| Net loans and leases to total assets | 85.1187% | 180 |
| Net loans and leases to deposits | 102.8021% | 422 |
| Net loans and leases to core deposits | 113.2935% | 624 |
| Total domestic deposits to total assets | 82.7986% | 3,143 |
| Equity capital to assets | 10.5677% | 2,692 |
| Core capital (leverage) ratio | 10.1260% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,777,000 | 2,454 |
| Average earning assets | $249,616,333 | 2,426 |
| Average equity | $29,145,333 | 2,512 |
| Average total loans | $229,764,333 | 2,016 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8133% | 1,385 |
| Cost of funding earning assets | 1.0344% | 1,284 |
| Net interest margin | 3.7789% | 2,053 |
| Noninterest income to average assets | 0.3656% | 3,324 |
| Noninterest expense to average assets | 2.3793% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5105% | 762 |
| Return on assets (ROA) | 1.5545% | 761 |
| Pretax return on assets | 1.6045% | 1,044 |
| Return on Equity (ROE) | 13.7419% | 752 |
| Retained earnings to average equity (ytd only) | 7.1817% | 1,479 |
| Net charge-offs to loans | 0.0018% | 2,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 998.0000% | 50 |
| Efficiency ratio | 58.3895% | 3,951 |
| Assets per employee ($millions) | 9.1666% | 505 |
| Cash dividends to net income (ytd only)* | 47.7387% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,444 |
| Loan loss allowance to noncurrent loans | 359.6628% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 3,251 |
| Noncurrent loans to loans | 0.3452% | 3,251 |
| Net loans and leases to total assets | 85.9517% | 143 |
| Net loans and leases to deposits | 104.8891% | 336 |
| Net loans and leases to core deposits | 118.0037% | 533 |
| Total domestic deposits to total assets | 81.9453% | 3,438 |
| Equity capital to assets | 11.3868% | 2,535 |
| Core capital (leverage) ratio | 10.7580% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,037,000 | 2,457 |
| Average earning assets | $242,081,500 | 2,430 |
| Average equity | $28,962,500 | 2,518 |
| Average total loans | $224,286,000 | 2,027 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9392% | 1,636 |
| Cost of funding earning assets | 1.0615% | 1,470 |
| Net interest margin | 3.8778% | 2,254 |
| Noninterest income to average assets | 0.3595% | 3,549 |
| Noninterest expense to average assets | 2.8027% | 2,592 |
| Loan and lease loss provision to assets | 0.1585% | 1,321 |
| Net operating income to assets | 1.0512% | 2,651 |
| Return on assets (ROA) | 1.0698% | 2,677 |
| Pretax return on assets | 1.0880% | 3,202 |
| Return on Equity (ROE) | 9.6246% | 2,462 |
| Retained earnings to average equity (ytd only) | 4.1865% | 2,865 |
| Net charge-offs to loans | 0.0041% | 3,537 |
| Credit loss provision to net charge-offs | 4,444.4444% | 97 |
| Earnings coverage of net charge-offs (x) | 344.1111% | 257 |
| Efficiency ratio | 67.5354% | 2,524 |
| Assets per employee ($millions) | 9.1218% | 482 |
| Cash dividends to net income (ytd only)* | 56.5024% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,277 |
| Loan loss allowance to noncurrent loans | 359.9222% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 3,225 |
| Noncurrent loans to loans | 0.3424% | 3,217 |
| Net loans and leases to total assets | 87.0823% | 120 |
| Net loans and leases to deposits | 107.0460% | 259 |
| Net loans and leases to core deposits | 120.7667% | 458 |
| Total domestic deposits to total assets | 81.3503% | 3,696 |
| Equity capital to assets | 11.2365% | 2,775 |
| Core capital (leverage) ratio | 10.6066% | 2,855 |
| Tier 1 risk-based capital ratio | 11.3187% | 4,725 |
| Total risk-based capital ratio | 12.4921% | 4,652 |
| Memoranda: | ||
| Average total assets | $252,289,200 | 2,447 |
| Average earning assets | $238,823,400 | 2,414 |
| Average equity | $28,042,800 | 2,491 |
| Average total loans | $222,036,000 | 2,017 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0589% | 1,394 |
| Cost of funding earning assets | 1.1730% | 1,104 |
| Net interest margin | 3.8859% | 2,308 |
| Noninterest income to average assets | 0.3460% | 3,656 |
| Noninterest expense to average assets | 2.4587% | 3,542 |
| Loan and lease loss provision to assets | 0.1716% | 1,075 |
| Net operating income to assets | 1.4449% | 1,344 |
| Return on assets (ROA) | 1.4449% | 1,396 |
| Pretax return on assets | 1.4449% | 2,139 |
| Return on Equity (ROE) | 13.5115% | 1,111 |
| Retained earnings to average equity (ytd only) | 6.9322% | 1,894 |
| Net charge-offs to loans | 0.0059% | 3,176 |
| Credit loss provision to net charge-offs | 3,125.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 294.2755% | 317 |
| Efficiency ratio | 60.3335% | 3,578 |
| Assets per employee ($millions) | 7.2608% | 926 |
| Cash dividends to net income (ytd only)* | 48.6934% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 91.2706% | 22 |
| Net loans and leases to deposits | 121.1220% | 84 |
| Net loans and leases to core deposits | 136.9503% | 215 |
| Total domestic deposits to total assets | 75.3543% | 4,710 |
| Equity capital to assets | 10.5400% | 3,511 |
| Core capital (leverage) ratio | 10.6171% | 2,998 |
| Tier 1 risk-based capital ratio | 11.1746% | 4,835 |
| Total risk-based capital ratio | 12.4297% | 4,718 |
| Memoranda: | ||
| Average total assets | $194,241,500 | 2,910 |
| Average earning assets | $186,411,000 | 2,853 |
| Average equity | $20,772,000 | 3,081 |
| Average total loans | $179,668,750 | 2,343 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 1,493 |
| Cost of funding earning assets | 1.1145% | 1,243 |
| Net interest margin | 3.8822% | 2,295 |
| Noninterest income to average assets | 0.3336% | 3,704 |
| Noninterest expense to average assets | 2.4830% | 3,536 |
| Loan and lease loss provision to assets | 0.1569% | 1,157 |
| Net operating income to assets | 1.4245% | 1,364 |
| Return on assets (ROA) | 1.4245% | 1,417 |
| Pretax return on assets | 1.4245% | 2,132 |
| Return on Equity (ROE) | 13.2533% | 1,169 |
| Retained earnings to average equity (ytd only) | 6.9283% | 1,843 |
| Net charge-offs to loans | 0.0090% | 2,811 |
| Credit loss provision to net charge-offs | 1,875.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 407 |
| Efficiency ratio | 61.0911% | 3,569 |
| Assets per employee ($millions) | 7.3180% | 878 |
| Cash dividends to net income (ytd only)* | 47.7239% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 91.6309% | 25 |
| Net loans and leases to deposits | 120.6712% | 83 |
| Net loans and leases to core deposits | 136.8535% | 225 |
| Total domestic deposits to total assets | 75.9344% | 4,677 |
| Equity capital to assets | 10.6547% | 3,380 |
| Core capital (leverage) ratio | 10.8503% | 2,742 |
| Tier 1 risk-based capital ratio | 11.0573% | 4,883 |
| Total risk-based capital ratio | 12.2784% | 4,814 |
| Memoranda: | ||
| Average total assets | $191,221,670 | 2,948 |
| Average earning assets | $183,759,670 | 2,883 |
| Average equity | $20,553,330 | 3,100 |
| Average total loans | $176,903,330 | 2,381 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 1,587 |
| Cost of funding earning assets | 1.0728% | 1,281 |
| Net interest margin | 3.8281% | 2,425 |
| Noninterest income to average assets | 0.3021% | 3,862 |
| Noninterest expense to average assets | 2.5207% | 3,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4550% | 1,218 |
| Return on assets (ROA) | 1.4550% | 1,245 |
| Pretax return on assets | 1.4550% | 1,902 |
| Return on Equity (ROE) | 13.4752% | 1,091 |
| Retained earnings to average equity (ytd only) | 0.6698% | 4,393 |
| Net charge-offs to loans | 0.0184% | 2,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 729 |
| Efficiency ratio | 63.4029% | 3,334 |
| Assets per employee ($millions) | 7.1016% | 956 |
| Cash dividends to net income (ytd only)* | 95.0292% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 2,455 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 90.9457% | 33 |
| Net loans and leases to deposits | 114.8942% | 136 |
| Net loans and leases to core deposits | 129.5286% | 313 |
| Total domestic deposits to total assets | 79.1561% | 4,327 |
| Equity capital to assets | 10.6074% | 3,251 |
| Core capital (leverage) ratio | 11.1296% | 2,445 |
| Tier 1 risk-based capital ratio | 11.0121% | 4,967 |
| Total risk-based capital ratio | 12.1885% | 4,908 |
| Memoranda: | ||
| Average total assets | $188,040,000 | 3,010 |
| Average earning assets | $180,454,000 | 2,945 |
| Average equity | $20,304,000 | 3,128 |
| Average total loans | $173,675,000 | 2,438 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 1,638 |
| Cost of funding earning assets | 0.8039% | 1,506 |
| Net interest margin | 3.9572% | 2,133 |
| Noninterest income to average assets | 0.3214% | 3,952 |
| Noninterest expense to average assets | 2.4408% | 3,769 |
| Loan and lease loss provision to assets | 0.0325% | 3,538 |
| Net operating income to assets | 1.6465% | 779 |
| Return on assets (ROA) | 1.6497% | 774 |
| Pretax return on assets | 1.6497% | 1,317 |
| Return on Equity (ROE) | 15.2705% | 771 |
| Retained earnings to average equity (ytd only) | 7.7580% | 1,346 |
| Net charge-offs to loans | 0.0048% | 3,545 |
| Credit loss provision to net charge-offs | 750.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 387.8750% | 261 |
| Efficiency ratio | 59.2461% | 3,978 |
| Assets per employee ($millions) | 6.8273% | 1,057 |
| Cash dividends to net income (ytd only)* | 49.1965% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 2,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 91.4835% | 33 |
| Net loans and leases to deposits | 117.9577% | 120 |
| Net loans and leases to core deposits | 135.0382% | 248 |
| Total domestic deposits to total assets | 77.5562% | 4,553 |
| Equity capital to assets | 10.9957% | 2,693 |
| Core capital (leverage) ratio | 11.0945% | 2,443 |
| Tier 1 risk-based capital ratio | 11.5146% | 4,720 |
| Total risk-based capital ratio | 12.7496% | 4,628 |
| Memoranda: | ||
| Average total assets | $184,819,600 | 3,007 |
| Average earning assets | $177,396,200 | 2,952 |
| Average equity | $19,966,600 | 3,094 |
| Average total loans | $166,793,000 | 2,467 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 1,823 |
| Cost of funding earning assets | 0.7239% | 1,727 |
| Net interest margin | 3.9288% | 2,204 |
| Noninterest income to average assets | 0.3324% | 3,929 |
| Noninterest expense to average assets | 2.3899% | 3,876 |
| Loan and lease loss provision to assets | 0.0433% | 3,127 |
| Net operating income to assets | 1.6711% | 801 |
| Return on assets (ROA) | 1.6755% | 794 |
| Pretax return on assets | 1.6755% | 1,333 |
| Return on Equity (ROE) | 15.5778% | 771 |
| Retained earnings to average equity (ytd only) | 15.5778% | 157 |
| Net charge-offs to loans | 0.0024% | 3,397 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 792.6475% | 108 |
| Efficiency ratio | 58.2294% | 4,083 |
| Assets per employee ($millions) | 6.9494% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,241 |
| Loan loss allowance to noncurrent loans | 72,500.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 5,037 |
| Noncurrent loans to loans | 0.0018% | 4,946 |
| Net loans and leases to total assets | 89.9235% | 74 |
| Net loans and leases to deposits | 126.9168% | 67 |
| Net loans and leases to core deposits | 144.6847% | 178 |
| Total domestic deposits to total assets | 70.8523% | 5,188 |
| Equity capital to assets | 11.2043% | 2,469 |
| Core capital (leverage) ratio | 11.3634% | 2,278 |
| Tier 1 risk-based capital ratio | 11.9014% | 4,556 |
| Total risk-based capital ratio | 13.1355% | 4,441 |
| Memoranda: | ||
| Average total assets | $184,940,500 | 3,028 |
| Average earning assets | $177,555,250 | 2,970 |
| Average equity | $19,891,000 | 3,121 |
| Average total loans | $165,789,750 | 2,492 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 1,902 |
| Cost of funding earning assets | 0.6569% | 1,887 |
| Net interest margin | 3.9031% | 2,194 |
| Noninterest income to average assets | 0.3391% | 3,920 |
| Noninterest expense to average assets | 2.3679% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7289% | 684 |
| Return on assets (ROA) | 1.7289% | 684 |
| Pretax return on assets | 1.7289% | 1,141 |
| Return on Equity (ROE) | 16.3065% | 611 |
| Retained earnings to average equity (ytd only) | 16.3065% | 146 |
| Net charge-offs to loans | 0.0037% | 3,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 530.3333% | 169 |
| Efficiency ratio | 57.7984% | 4,267 |
| Assets per employee ($millions) | 6.8556% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 89.6527% | 81 |
| Net loans and leases to deposits | 120.8582% | 97 |
| Net loans and leases to core deposits | 136.4255% | 231 |
| Total domestic deposits to total assets | 74.1800% | 5,026 |
| Equity capital to assets | 10.9691% | 2,665 |
| Core capital (leverage) ratio | 11.1636% | 2,376 |
| Tier 1 risk-based capital ratio | 11.6089% | 4,737 |
| Total risk-based capital ratio | 12.8229% | 4,637 |
| Memoranda: | ||
| Average total assets | $184,042,670 | 3,058 |
| Average earning assets | $177,194,330 | 2,993 |
| Average equity | $19,513,670 | 3,170 |
| Average total loans | $164,085,670 | 2,514 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 2,045 |
| Cost of funding earning assets | 0.6417% | 1,769 |
| Net interest margin | 3.8003% | 2,423 |
| Noninterest income to average assets | 0.3836% | 3,575 |
| Noninterest expense to average assets | 2.3061% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7437% | 624 |
| Return on assets (ROA) | 1.7437% | 634 |
| Pretax return on assets | 1.7437% | 1,019 |
| Return on Equity (ROE) | 16.7377% | 534 |
| Retained earnings to average equity (ytd only) | 16.7377% | 203 |
| Net charge-offs to loans | 0.0049% | 2,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 400.0000% | 167 |
| Efficiency ratio | 56.9429% | 4,476 |
| Assets per employee ($millions) | 6.7306% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 2,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 87.3794% | 170 |
| Net loans and leases to deposits | 106.2715% | 369 |
| Net loans and leases to core deposits | 120.7167% | 568 |
| Total domestic deposits to total assets | 82.2228% | 3,894 |
| Equity capital to assets | 10.7359% | 2,837 |
| Core capital (leverage) ratio | 10.9858% | 2,456 |
| Tier 1 risk-based capital ratio | 11.6290% | 4,783 |
| Total risk-based capital ratio | 12.8867% | 4,672 |
| Memoranda: | ||
| Average total assets | $183,513,500 | 3,095 |
| Average earning assets | $177,036,500 | 3,023 |
| Average equity | $19,118,500 | 3,237 |
| Average total loans | $162,097,000 | 2,549 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 2,175 |
| Cost of funding earning assets | 0.6048% | 1,565 |
| Net interest margin | 3.7462% | 2,619 |
| Noninterest income to average assets | 0.3833% | 3,739 |
| Noninterest expense to average assets | 2.5430% | 3,629 |
| Loan and lease loss provision to assets | 0.0277% | 3,725 |
| Net operating income to assets | 1.4291% | 951 |
| Return on assets (ROA) | 1.4247% | 982 |
| Pretax return on assets | 1.4247% | 1,908 |
| Return on Equity (ROE) | 12.2298% | 1,143 |
| Retained earnings to average equity (ytd only) | -10.6654% | 5,542 |
| Net charge-offs to loans | 0.0031% | 3,997 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 526.0000% | 167 |
| Efficiency ratio | 63.5785% | 3,666 |
| Assets per employee ($millions) | 7.4120% | 806 |
| Cash dividends to net income (ytd only)* | 187.2084% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 2,229 |
| Loan loss allowance to noncurrent loans | 1,059.0000% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 4,589 |
| Noncurrent loans to loans | 0.1225% | 4,431 |
| Net loans and leases to total assets | 86.9768% | 192 |
| Net loans and leases to deposits | 105.4137% | 427 |
| Net loans and leases to core deposits | 121.4255% | 541 |
| Total domestic deposits to total assets | 82.5100% | 3,725 |
| Equity capital to assets | 10.1063% | 3,591 |
| Core capital (leverage) ratio | 10.4020% | 2,963 |
| Tier 1 risk-based capital ratio | 11.1817% | 5,046 |
| Total risk-based capital ratio | 12.4377% | 4,920 |
| Memoranda: | ||
| Average total assets | $180,532,400 | 3,107 |
| Average earning assets | $174,284,800 | 3,020 |
| Average equity | $21,030,600 | 3,032 |
| Average total loans | $162,962,400 | 2,511 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 2,151 |
| Cost of funding earning assets | 0.5850% | 1,645 |
| Net interest margin | 3.7524% | 2,571 |
| Noninterest income to average assets | 0.4193% | 3,563 |
| Noninterest expense to average assets | 2.4682% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5754% | 761 |
| Return on assets (ROA) | 1.5694% | 785 |
| Pretax return on assets | 1.5694% | 1,516 |
| Return on Equity (ROE) | 13.0266% | 1,052 |
| Retained earnings to average equity (ytd only) | 6.7632% | 1,813 |
| Net charge-offs to loans | 0.0041% | 3,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 423.5772% | 228 |
| Efficiency ratio | 61.0406% | 4,038 |
| Assets per employee ($millions) | 6.6556% | 1,098 |
| Cash dividends to net income (ytd only)* | 48.0814% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 2,666 |
| Loan loss allowance to noncurrent loans | 715.5709% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 4,469 |
| Noncurrent loans to loans | 0.1741% | 4,374 |
| Net loans and leases to total assets | 91.2210% | 47 |
| Net loans and leases to deposits | 120.4568% | 96 |
| Net loans and leases to core deposits | 141.3911% | 189 |
| Total domestic deposits to total assets | 75.7293% | 5,049 |
| Equity capital to assets | 12.2931% | 1,781 |
| Core capital (leverage) ratio | 12.2701% | 1,531 |
| Tier 1 risk-based capital ratio | 13.0302% | 3,986 |
| Total risk-based capital ratio | 14.2560% | 3,912 |
| Memoranda: | ||
| Average total assets | $179,340,500 | 3,147 |
| Average earning assets | $173,218,500 | 3,061 |
| Average equity | $21,606,500 | 3,010 |
| Average total loans | $162,881,500 | 2,521 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 2,241 |
| Cost of funding earning assets | 0.5651% | 1,683 |
| Net interest margin | 3.6992% | 2,665 |
| Noninterest income to average assets | 0.4029% | 3,674 |
| Noninterest expense to average assets | 2.4205% | 3,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5545% | 783 |
| Return on assets (ROA) | 1.5456% | 812 |
| Pretax return on assets | 1.5456% | 1,502 |
| Return on Equity (ROE) | 12.9168% | 1,055 |
| Retained earnings to average equity (ytd only) | 8.0205% | 1,155 |
| Net charge-offs to loans | 0.0049% | 3,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 348.2500% | 243 |
| Efficiency ratio | 60.8928% | 4,181 |
| Assets per employee ($millions) | 6.1596% | 1,352 |
| Cash dividends to net income (ytd only)* | 37.9061% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,559 |
| Loan loss allowance to noncurrent loans | 656.5079% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 4,480 |
| Noncurrent loans to loans | 0.1938% | 4,344 |
| Net loans and leases to total assets | 89.8196% | 84 |
| Net loans and leases to deposits | 118.9286% | 106 |
| Net loans and leases to core deposits | 139.8086% | 187 |
| Total domestic deposits to total assets | 75.5240% | 5,145 |
| Equity capital to assets | 12.2372% | 1,768 |
| Core capital (leverage) ratio | 12.4212% | 1,406 |
| Tier 1 risk-based capital ratio | 12.9987% | 3,998 |
| Total risk-based capital ratio | 14.2341% | 3,927 |
| Memoranda: | ||
| Average total assets | $179,220,000 | 3,164 |
| Average earning assets | $173,066,670 | 3,071 |
| Average equity | $21,445,000 | 3,032 |
| Average total loans | $161,844,000 | 2,535 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 2,183 |
| Cost of funding earning assets | 0.5658% | 1,614 |
| Net interest margin | 3.6606% | 2,649 |
| Noninterest income to average assets | 0.3944% | 3,706 |
| Noninterest expense to average assets | 2.2839% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6422% | 618 |
| Return on assets (ROA) | 1.6244% | 663 |
| Pretax return on assets | 1.6244% | 1,174 |
| Return on Equity (ROE) | 13.7301% | 856 |
| Retained earnings to average equity (ytd only) | 9.0216% | 1,070 |
| Net charge-offs to loans | 0.0050% | 2,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 368.5000% | 161 |
| Efficiency ratio | 58.1725% | 4,696 |
| Assets per employee ($millions) | 6.3096% | 1,290 |
| Cash dividends to net income (ytd only)* | 34.2936% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 2,364 |
| Loan loss allowance to noncurrent loans | 556.4516% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 4,384 |
| Noncurrent loans to loans | 0.2399% | 4,249 |
| Net loans and leases to total assets | 86.6065% | 181 |
| Net loans and leases to deposits | 109.9916% | 215 |
| Net loans and leases to core deposits | 129.4160% | 271 |
| Total domestic deposits to total assets | 78.7392% | 4,872 |
| Equity capital to assets | 12.1578% | 1,734 |
| Core capital (leverage) ratio | 12.2130% | 1,501 |
| Tier 1 risk-based capital ratio | 13.1459% | 3,998 |
| Total risk-based capital ratio | 14.4004% | 3,902 |
| Memoranda: | ||
| Average total assets | $179,516,000 | 3,191 |
| Average earning assets | $173,198,000 | 3,095 |
| Average equity | $21,238,000 | 3,060 |
| Average total loans | $161,510,500 | 2,558 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 2,307 |
| Cost of funding earning assets | 0.5883% | 1,421 |
| Net interest margin | 3.6634% | 2,849 |
| Noninterest income to average assets | 0.4322% | 3,663 |
| Noninterest expense to average assets | 2.4434% | 4,179 |
| Loan and lease loss provision to assets | 0.0653% | 3,064 |
| Net operating income to assets | 1.4495% | 918 |
| Return on assets (ROA) | 1.4432% | 955 |
| Pretax return on assets | 1.4432% | 1,773 |
| Return on Equity (ROE) | 12.4819% | 1,123 |
| Retained earnings to average equity (ytd only) | 7.0785% | 1,203 |
| Net charge-offs to loans | 0.0025% | 4,185 |
| Credit loss provision to net charge-offs | 2,875.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 666.7500% | 123 |
| Efficiency ratio | 61.7305% | 4,300 |
| Assets per employee ($millions) | 6.2884% | 1,271 |
| Cash dividends to net income (ytd only)* | 43.2900% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,915 |
| Loan loss allowance to noncurrent loans | 588.6364% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 4,550 |
| Noncurrent loans to loans | 0.2096% | 4,405 |
| Net loans and leases to total assets | 90.9571% | 46 |
| Net loans and leases to deposits | 119.0761% | 99 |
| Net loans and leases to core deposits | 136.4581% | 208 |
| Total domestic deposits to total assets | 76.3857% | 5,195 |
| Equity capital to assets | 11.5138% | 2,159 |
| Core capital (leverage) ratio | 11.8227% | 1,707 |
| Tier 1 risk-based capital ratio | 12.1472% | 4,623 |
| Total risk-based capital ratio | 13.3508% | 4,535 |
| Memoranda: | ||
| Average total assets | $176,066,200 | 3,207 |
| Average earning assets | $169,458,600 | 3,120 |
| Average equity | $20,357,400 | 3,132 |
| Average total loans | $160,921,600 | 2,510 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 2,141 |
| Cost of funding earning assets | 0.5892% | 1,417 |
| Net interest margin | 3.7184% | 2,645 |
| Noninterest income to average assets | 0.4164% | 3,807 |
| Noninterest expense to average assets | 2.4046% | 4,272 |
| Loan and lease loss provision to assets | 0.0306% | 3,624 |
| Net operating income to assets | 1.5595% | 783 |
| Return on assets (ROA) | 1.5511% | 836 |
| Pretax return on assets | 1.5511% | 1,531 |
| Return on Equity (ROE) | 13.4007% | 944 |
| Retained earnings to average equity (ytd only) | 8.2846% | 1,052 |
| Net charge-offs to loans | 0.0033% | 3,812 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 520.5629% | 173 |
| Efficiency ratio | 60.1951% | 4,514 |
| Assets per employee ($millions) | 6.0391% | 1,404 |
| Cash dividends to net income (ytd only)* | 38.1774% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 3,013 |
| Loan loss allowance to noncurrent loans | 282.8612% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 3,813 |
| Noncurrent loans to loans | 0.4386% | 3,710 |
| Net loans and leases to total assets | 90.7636% | 56 |
| Net loans and leases to deposits | 122.5697% | 89 |
| Net loans and leases to core deposits | 141.5833% | 180 |
| Total domestic deposits to total assets | 74.0506% | 5,429 |
| Equity capital to assets | 11.9030% | 2,182 |
| Core capital (leverage) ratio | 11.7949% | 1,816 |
| Tier 1 risk-based capital ratio | 12.4756% | 4,498 |
| Total risk-based capital ratio | 13.6766% | 4,417 |
| Memoranda: | ||
| Average total assets | $174,491,750 | 3,237 |
| Average earning assets | $167,917,250 | 3,155 |
| Average equity | $20,197,500 | 3,172 |
| Average total loans | $159,165,750 | 2,532 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 2,270 |
| Cost of funding earning assets | 0.5748% | 1,503 |
| Net interest margin | 3.6920% | 2,724 |
| Noninterest income to average assets | 0.3971% | 3,888 |
| Noninterest expense to average assets | 2.4226% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5274% | 849 |
| Return on assets (ROA) | 1.5148% | 913 |
| Pretax return on assets | 1.5148% | 1,625 |
| Return on Equity (ROE) | 13.2123% | 976 |
| Retained earnings to average equity (ytd only) | 7.9574% | 1,182 |
| Net charge-offs to loans | 0.0025% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 665.5000% | 87 |
| Efficiency ratio | 61.3306% | 4,456 |
| Assets per employee ($millions) | 5.8438% | 1,516 |
| Cash dividends to net income (ytd only)* | 39.7727% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 3,217 |
| Loan loss allowance to noncurrent loans | 445.4545% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 4,490 |
| Noncurrent loans to loans | 0.2749% | 4,383 |
| Net loans and leases to total assets | 90.1650% | 64 |
| Net loans and leases to deposits | 117.8227% | 123 |
| Net loans and leases to core deposits | 135.3927% | 227 |
| Total domestic deposits to total assets | 76.5260% | 5,216 |
| Equity capital to assets | 11.6323% | 2,413 |
| Core capital (leverage) ratio | 11.7532% | 1,811 |
| Tier 1 risk-based capital ratio | 12.2861% | 4,657 |
| Total risk-based capital ratio | 13.4726% | 4,610 |
| Memoranda: | ||
| Average total assets | $174,278,000 | 3,263 |
| Average earning assets | $167,712,330 | 3,171 |
| Average equity | $19,981,330 | 3,201 |
| Average total loans | $158,569,670 | 2,551 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3531% | 1,956 |
| Cost of funding earning assets | 0.5732% | 1,521 |
| Net interest margin | 3.7799% | 2,373 |
| Noninterest income to average assets | 0.3683% | 4,086 |
| Noninterest expense to average assets | 2.4125% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5838% | 721 |
| Return on assets (ROA) | 1.5585% | 808 |
| Pretax return on assets | 1.5585% | 1,410 |
| Return on Equity (ROE) | 13.6937% | 897 |
| Retained earnings to average equity (ytd only) | 8.6369% | 1,217 |
| Net charge-offs to loans | -0.0025% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3687% | 4,696 |
| Assets per employee ($millions) | 5.7295% | 1,642 |
| Cash dividends to net income (ytd only)* | 36.9276% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 3,136 |
| Loan loss allowance to noncurrent loans | 421.2446% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 4,474 |
| Noncurrent loans to loans | 0.2984% | 4,364 |
| Net loans and leases to total assets | 89.7146% | 66 |
| Net loans and leases to deposits | 115.0439% | 133 |
| Net loans and leases to core deposits | 132.2170% | 241 |
| Total domestic deposits to total assets | 77.9830% | 5,148 |
| Equity capital to assets | 11.6386% | 2,299 |
| Core capital (leverage) ratio | 11.6522% | 1,863 |
| Tier 1 risk-based capital ratio | 12.2588% | 4,745 |
| Total risk-based capital ratio | 13.4663% | 4,675 |
| Memoranda: | ||
| Average total assets | $173,760,500 | 3,285 |
| Average earning assets | $166,778,000 | 3,191 |
| Average equity | $19,775,500 | 3,227 |
| Average total loans | $157,839,000 | 2,553 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1810% | 2,618 |
| Cost of funding earning assets | 0.5614% | 1,665 |
| Net interest margin | 3.6196% | 3,059 |
| Noninterest income to average assets | 0.3928% | 4,084 |
| Noninterest expense to average assets | 2.4941% | 4,244 |
| Loan and lease loss provision to assets | 0.0221% | 3,942 |
| Net operating income to assets | 1.3396% | 1,177 |
| Return on assets (ROA) | 1.3396% | 1,216 |
| Pretax return on assets | 1.3396% | 2,134 |
| Return on Equity (ROE) | 12.1598% | 1,260 |
| Retained earnings to average equity (ytd only) | 8.0660% | 895 |
| Net charge-offs to loans | 0.0006% | 4,455 |
| Credit loss provision to net charge-offs | 3,800.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 2,340.0000% | 12 |
| Efficiency ratio | 64.6846% | 4,138 |
| Assets per employee ($millions) | 5.8545% | 1,494 |
| Cash dividends to net income (ytd only)* | 33.6664% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 3,300 |
| Loan loss allowance to noncurrent loans | 172.3199% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 3,108 |
| Noncurrent loans to loans | 0.7134% | 3,045 |
| Net loans and leases to total assets | 89.7014% | 72 |
| Net loans and leases to deposits | 116.0361% | 142 |
| Net loans and leases to core deposits | 133.4180% | 225 |
| Total domestic deposits to total assets | 77.3048% | 5,275 |
| Equity capital to assets | 11.1287% | 2,702 |
| Core capital (leverage) ratio | 11.0446% | 2,358 |
| Tier 1 risk-based capital ratio | 11.9644% | 4,971 |
| Total risk-based capital ratio | 13.1668% | 4,908 |
| Memoranda: | ||
| Average total assets | $171,846,200 | 3,276 |
| Average earning assets | $164,411,000 | 3,196 |
| Average equity | $18,931,200 | 3,269 |
| Average total loans | $156,717,400 | 2,508 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 2,683 |
| Cost of funding earning assets | 0.5535% | 1,773 |
| Net interest margin | 3.6151% | 3,099 |
| Noninterest income to average assets | 0.4213% | 3,929 |
| Noninterest expense to average assets | 2.4271% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4542% | 1,001 |
| Return on assets (ROA) | 1.4542% | 1,042 |
| Pretax return on assets | 1.4542% | 1,818 |
| Return on Equity (ROE) | 13.2354% | 1,071 |
| Retained earnings to average equity (ytd only) | 9.6851% | 694 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5327% | 4,487 |
| Assets per employee ($millions) | 5.8403% | 1,477 |
| Cash dividends to net income (ytd only)* | 26.8240% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 3,676 |
| Loan loss allowance to noncurrent loans | 299.6885% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 4,303 |
| Noncurrent loans to loans | 0.3996% | 4,184 |
| Net loans and leases to total assets | 90.5981% | 49 |
| Net loans and leases to deposits | 128.9507% | 46 |
| Net loans and leases to core deposits | 149.4839% | 111 |
| Total domestic deposits to total assets | 70.2580% | 5,958 |
| Equity capital to assets | 11.0816% | 2,922 |
| Core capital (leverage) ratio | 11.2827% | 2,211 |
| Tier 1 risk-based capital ratio | 11.6798% | 5,279 |
| Total risk-based capital ratio | 12.8412% | 5,252 |
| Memoranda: | ||
| Average total assets | $170,898,750 | 3,317 |
| Average earning assets | $163,567,750 | 3,233 |
| Average equity | $18,777,500 | 3,312 |
| Average total loans | $156,019,500 | 2,531 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 2,679 |
| Cost of funding earning assets | 0.5549% | 1,779 |
| Net interest margin | 3.6060% | 3,068 |
| Noninterest income to average assets | 0.4272% | 3,873 |
| Noninterest expense to average assets | 2.4100% | 4,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4611% | 964 |
| Return on assets (ROA) | 1.4611% | 1,014 |
| Pretax return on assets | 1.4611% | 1,763 |
| Return on Equity (ROE) | 13.3372% | 1,046 |
| Retained earnings to average equity (ytd only) | 10.6439% | 555 |
| Net charge-offs to loans | -0.0013% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2561% | 4,642 |
| Assets per employee ($millions) | 5.6100% | 1,649 |
| Cash dividends to net income (ytd only)* | 20.1939% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 3,452 |
| Loan loss allowance to noncurrent loans | 296.4561% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 4,358 |
| Noncurrent loans to loans | 0.4252% | 4,202 |
| Net loans and leases to total assets | 89.5525% | 79 |
| Net loans and leases to deposits | 117.2258% | 134 |
| Net loans and leases to core deposits | 136.0695% | 200 |
| Total domestic deposits to total assets | 76.3932% | 5,545 |
| Equity capital to assets | 11.3019% | 2,570 |
| Core capital (leverage) ratio | 11.3745% | 2,093 |
| Tier 1 risk-based capital ratio | 12.0170% | 5,136 |
| Total risk-based capital ratio | 13.2355% | 5,063 |
| Memoranda: | ||
| Average total assets | $169,461,670 | 3,359 |
| Average earning assets | $161,843,000 | 3,280 |
| Average equity | $18,564,670 | 3,350 |
| Average total loans | $154,472,330 | 2,560 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1701% | 2,568 |
| Cost of funding earning assets | 0.5583% | 1,765 |
| Net interest margin | 3.6118% | 2,956 |
| Noninterest income to average assets | 0.4046% | 3,971 |
| Noninterest expense to average assets | 2.3618% | 4,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4820% | 874 |
| Return on assets (ROA) | 1.4820% | 933 |
| Pretax return on assets | 1.4820% | 1,623 |
| Return on Equity (ROE) | 13.7431% | 930 |
| Retained earnings to average equity (ytd only) | 13.7431% | 379 |
| Net charge-offs to loans | -0.0026% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4443% | 4,887 |
| Assets per employee ($millions) | 5.5805% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 3,655 |
| Loan loss allowance to noncurrent loans | 251.9634% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 4,213 |
| Noncurrent loans to loans | 0.4984% | 4,083 |
| Net loans and leases to total assets | 90.4208% | 48 |
| Net loans and leases to deposits | 116.5443% | 128 |
| Net loans and leases to core deposits | 135.4253% | 191 |
| Total domestic deposits to total assets | 77.5849% | 5,523 |
| Equity capital to assets | 11.1496% | 2,809 |
| Core capital (leverage) ratio | 11.1659% | 2,251 |
| Tier 1 risk-based capital ratio | 11.6517% | 5,468 |
| Total risk-based capital ratio | 12.8566% | 5,408 |
| Memoranda: | ||
| Average total assets | $170,043,000 | 3,363 |
| Average earning assets | $161,915,000 | 3,297 |
| Average equity | $18,336,500 | 3,403 |
| Average total loans | $155,388,500 | 2,548 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1995% | 2,960 |
| Cost of funding earning assets | 0.6003% | 1,759 |
| Net interest margin | 3.5992% | 3,415 |
| Noninterest income to average assets | 0.4000% | 4,179 |
| Noninterest expense to average assets | 2.4519% | 4,702 |
| Loan and lease loss provision to assets | 0.0967% | 2,537 |
| Net operating income to assets | 1.2734% | 1,362 |
| Return on assets (ROA) | 1.2734% | 1,415 |
| Pretax return on assets | 1.2734% | 2,335 |
| Return on Equity (ROE) | 12.1891% | 1,357 |
| Retained earnings to average equity (ytd only) | 6.0288% | 1,910 |
| Net charge-offs to loans | -0.0020% | 5,376 |
| Credit loss provision to net charge-offs | -5,400.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1518% | 4,568 |
| Assets per employee ($millions) | 5.9542% | 1,412 |
| Cash dividends to net income (ytd only)* | 50.5391% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 3,870 |
| Loan loss allowance to noncurrent loans | 247.9381% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 4,318 |
| Noncurrent loans to loans | 0.4928% | 4,180 |
| Net loans and leases to total assets | 90.0847% | 64 |
| Net loans and leases to deposits | 114.3556% | 160 |
| Net loans and leases to core deposits | 131.9134% | 224 |
| Total domestic deposits to total assets | 78.7759% | 5,294 |
| Equity capital to assets | 10.4284% | 3,577 |
| Core capital (leverage) ratio | 10.5386% | 2,904 |
| Tier 1 risk-based capital ratio | 11.6265% | 5,592 |
| Total risk-based capital ratio | 12.8661% | 5,510 |
| Memoranda: | ||
| Average total assets | $167,506,000 | 3,371 |
| Average earning assets | $159,256,600 | 3,297 |
| Average equity | $17,499,200 | 3,455 |
| Average total loans | $149,549,600 | 2,575 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 3,119 |
| Cost of funding earning assets | 0.6019% | 1,810 |
| Net interest margin | 3.5610% | 3,592 |
| Noninterest income to average assets | 0.4027% | 4,226 |
| Noninterest expense to average assets | 2.3984% | 4,832 |
| Loan and lease loss provision to assets | 0.0722% | 2,903 |
| Net operating income to assets | 1.3203% | 1,316 |
| Return on assets (ROA) | 1.3203% | 1,375 |
| Pretax return on assets | 1.3203% | 2,305 |
| Return on Equity (ROE) | 12.6328% | 1,314 |
| Retained earnings to average equity (ytd only) | 6.5927% | 2,043 |
| Net charge-offs to loans | -0.0018% | 5,182 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2670% | 4,671 |
| Assets per employee ($millions) | 5.3927% | 1,822 |
| Cash dividends to net income (ytd only)* | 47.8131% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 4,174 |
| Loan loss allowance to noncurrent loans | 234.4304% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 4,480 |
| Noncurrent loans to loans | 0.5158% | 4,389 |
| Net loans and leases to total assets | 90.5044% | 47 |
| Net loans and leases to deposits | 129.5690% | 43 |
| Net loans and leases to core deposits | 146.6061% | 116 |
| Total domestic deposits to total assets | 69.8504% | 6,292 |
| Equity capital to assets | 10.6530% | 3,366 |
| Core capital (leverage) ratio | 10.8429% | 2,643 |
| Tier 1 risk-based capital ratio | 11.9520% | 5,520 |
| Total risk-based capital ratio | 13.1941% | 5,441 |
| Memoranda: | ||
| Average total assets | $166,214,500 | 3,422 |
| Average earning assets | $158,151,750 | 3,333 |
| Average equity | $17,372,250 | 3,489 |
| Average total loans | $147,568,250 | 2,619 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 3,172 |
| Cost of funding earning assets | 0.6137% | 1,781 |
| Net interest margin | 3.5310% | 3,652 |
| Noninterest income to average assets | 0.3990% | 4,253 |
| Noninterest expense to average assets | 2.4015% | 4,875 |
| Loan and lease loss provision to assets | 0.0506% | 3,291 |
| Net operating income to assets | 1.2972% | 1,318 |
| Return on assets (ROA) | 1.2972% | 1,366 |
| Pretax return on assets | 1.2972% | 2,259 |
| Return on Equity (ROE) | 12.4923% | 1,308 |
| Retained earnings to average equity (ytd only) | 6.9776% | 1,786 |
| Net charge-offs to loans | 0.0014% | 4,351 |
| Credit loss provision to net charge-offs | 4,200.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 1,118.0000% | 54 |
| Efficiency ratio | 64.0514% | 4,679 |
| Assets per employee ($millions) | 5.3900% | 1,792 |
| Cash dividends to net income (ytd only)* | 44.1450% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 4,411 |
| Loan loss allowance to noncurrent loans | 181.3696% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 4,197 |
| Noncurrent loans to loans | 0.6630% | 4,051 |
| Net loans and leases to total assets | 88.5535% | 81 |
| Net loans and leases to deposits | 117.5736% | 109 |
| Net loans and leases to core deposits | 135.1294% | 179 |
| Total domestic deposits to total assets | 75.3175% | 5,991 |
| Equity capital to assets | 10.5075% | 3,434 |
| Core capital (leverage) ratio | 10.9424% | 2,474 |
| Tier 1 risk-based capital ratio | 11.9886% | 5,548 |
| Total risk-based capital ratio | 13.2181% | 5,489 |
| Memoranda: | ||
| Average total assets | $165,895,000 | 3,439 |
| Average earning assets | $157,406,000 | 3,359 |
| Average equity | $17,226,670 | 3,513 |
| Average total loans | $145,707,330 | 2,644 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,489 |
| Cost of funding earning assets | 0.6150% | 1,857 |
| Net interest margin | 3.4323% | 3,973 |
| Noninterest income to average assets | 0.3727% | 4,407 |
| Noninterest expense to average assets | 2.3642% | 5,023 |
| Loan and lease loss provision to assets | 0.0508% | 3,083 |
| Net operating income to assets | 1.2124% | 1,452 |
| Return on assets (ROA) | 1.2124% | 1,511 |
| Pretax return on assets | 1.2124% | 2,436 |
| Return on Equity (ROE) | 11.7457% | 1,479 |
| Retained earnings to average equity (ytd only) | 6.4707% | 2,303 |
| Net charge-offs to loans | 0.0028% | 3,624 |
| Credit loss provision to net charge-offs | 2,100.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 522.0000% | 72 |
| Efficiency ratio | 65.1768% | 4,662 |
| Assets per employee ($millions) | 5.4774% | 1,730 |
| Cash dividends to net income (ytd only)* | 44.9102% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 4,387 |
| Loan loss allowance to noncurrent loans | 149.2037% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 3,870 |
| Noncurrent loans to loans | 0.8368% | 3,796 |
| Net loans and leases to total assets | 88.6304% | 67 |
| Net loans and leases to deposits | 111.1616% | 131 |
| Net loans and leases to core deposits | 127.8841% | 205 |
| Total domestic deposits to total assets | 79.7312% | 5,539 |
| Equity capital to assets | 10.8382% | 2,895 |
| Core capital (leverage) ratio | 10.6980% | 2,702 |
| Tier 1 risk-based capital ratio | 12.2268% | 5,488 |
| Total risk-based capital ratio | 13.4675% | 5,429 |
| Memoranda: | ||
| Average total assets | $165,297,500 | 3,478 |
| Average earning assets | $156,747,000 | 3,393 |
| Average equity | $17,061,500 | 3,542 |
| Average total loans | $143,678,500 | 2,684 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 3,625 |
| Cost of funding earning assets | 0.7303% | 1,620 |
| Net interest margin | 3.3986% | 4,279 |
| Noninterest income to average assets | 0.4696% | 3,967 |
| Noninterest expense to average assets | 2.3636% | 5,191 |
| Loan and lease loss provision to assets | 0.0606% | 3,929 |
| Net operating income to assets | 1.1618% | 1,715 |
| Return on assets (ROA) | 1.1548% | 1,804 |
| Pretax return on assets | 1.2045% | 2,563 |
| Return on Equity (ROE) | 11.4523% | 1,614 |
| Retained earnings to average equity (ytd only) | 5.1733% | 2,490 |
| Net charge-offs to loans | 0.1162% | 3,648 |
| Credit loss provision to net charge-offs | 63.6943% | 3,459 |
| Earnings coverage of net charge-offs (x) | 13.3758% | 2,031 |
| Efficiency ratio | 65.0058% | 4,729 |
| Assets per employee ($millions) | 5.3672% | 1,781 |
| Cash dividends to net income (ytd only)* | 54.8269% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 4,575 |
| Loan loss allowance to noncurrent loans | 147.4037% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 4,166 |
| Noncurrent loans to loans | 0.8246% | 3,915 |
| Net loans and leases to total assets | 83.2792% | 305 |
| Net loans and leases to deposits | 102.6924% | 370 |
| Net loans and leases to core deposits | 117.3153% | 386 |
| Total domestic deposits to total assets | 81.0958% | 5,143 |
| Equity capital to assets | 9.8440% | 3,967 |
| Core capital (leverage) ratio | 10.5259% | 2,889 |
| Tier 1 risk-based capital ratio | 11.5763% | 5,865 |
| Total risk-based capital ratio | 12.7775% | 5,832 |
| Memoranda: | ||
| Average total assets | $165,046,800 | 3,486 |
| Average earning assets | $153,769,600 | 3,439 |
| Average equity | $16,643,000 | 3,603 |
| Average total loans | $135,059,000 | 2,774 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1125% | 3,708 |
| Cost of funding earning assets | 0.7540% | 1,573 |
| Net interest margin | 3.3584% | 4,436 |
| Noninterest income to average assets | 0.5280% | 3,606 |
| Noninterest expense to average assets | 2.2851% | 5,390 |
| Loan and lease loss provision to assets | 0.0408% | 4,192 |
| Net operating income to assets | 1.2576% | 1,459 |
| Return on assets (ROA) | 1.2576% | 1,527 |
| Pretax return on assets | 1.3246% | 2,234 |
| Return on Equity (ROE) | 12.3944% | 1,372 |
| Retained earnings to average equity (ytd only) | 7.1261% | 1,819 |
| Net charge-offs to loans | 0.1568% | 2,983 |
| Credit loss provision to net charge-offs | 32.0513% | 3,854 |
| Earnings coverage of net charge-offs (x) | 10.7246% | 2,328 |
| Efficiency ratio | 62.5978% | 5,053 |
| Assets per employee ($millions) | 5.4686% | 1,661 |
| Cash dividends to net income (ytd only)* | 42.5047% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 4,827 |
| Loan loss allowance to noncurrent loans | 143.3836% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7529% | 4,224 |
| Noncurrent loans to loans | 0.8426% | 4,142 |
| Net loans and leases to total assets | 88.2703% | 80 |
| Net loans and leases to deposits | 116.3243% | 94 |
| Net loans and leases to core deposits | 135.5255% | 143 |
| Total domestic deposits to total assets | 75.8829% | 6,183 |
| Equity capital to assets | 10.6767% | 3,096 |
| Core capital (leverage) ratio | 10.7421% | 2,735 |
| Tier 1 risk-based capital ratio | 11.9260% | 5,818 |
| Total risk-based capital ratio | 13.1280% | 5,801 |
| Memoranda: | ||
| Average total assets | $163,371,000 | 3,542 |
| Average earning assets | $151,892,000 | 3,502 |
| Average equity | $16,577,000 | 3,656 |
| Average total loans | $132,625,750 | 2,827 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 3,785 |
| Cost of funding earning assets | 0.7700% | 1,584 |
| Net interest margin | 3.3182% | 4,495 |
| Noninterest income to average assets | 0.5250% | 3,670 |
| Noninterest expense to average assets | 2.2805% | 5,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2015% | 1,592 |
| Return on assets (ROA) | 1.2015% | 1,697 |
| Pretax return on assets | 1.3009% | 2,295 |
| Return on Equity (ROE) | 12.0423% | 1,481 |
| Retained earnings to average equity (ytd only) | 6.2095% | 2,317 |
| Net charge-offs to loans | 0.2392% | 2,288 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.9226% | 2,629 |
| Efficiency ratio | 63.6764% | 4,915 |
| Assets per employee ($millions) | 5.3552% | 1,737 |
| Cash dividends to net income (ytd only)* | 48.4359% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 4,254 |
| Loan loss allowance to noncurrent loans | 134.3573% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.7965% | 4,233 |
| Noncurrent loans to loans | 1.0071% | 3,922 |
| Net loans and leases to total assets | 78.0245% | 742 |
| Net loans and leases to deposits | 97.4208% | 580 |
| Net loans and leases to core deposits | 112.8862% | 467 |
| Total domestic deposits to total assets | 80.0901% | 5,585 |
| Equity capital to assets | 10.6207% | 3,147 |
| Core capital (leverage) ratio | 10.3731% | 3,016 |
| Tier 1 risk-based capital ratio | 13.3819% | 4,853 |
| Total risk-based capital ratio | 14.6323% | 4,805 |
| Memoranda: | ||
| Average total assets | $164,965,000 | 3,541 |
| Average earning assets | $151,947,670 | 3,512 |
| Average equity | $16,458,670 | 3,703 |
| Average total loans | $129,601,330 | 2,884 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 3,819 |
| Cost of funding earning assets | 0.7534% | 1,820 |
| Net interest margin | 3.3229% | 4,431 |
| Noninterest income to average assets | 0.4900% | 3,844 |
| Noninterest expense to average assets | 2.1861% | 5,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3805% | 1,069 |
| Return on assets (ROA) | 1.3805% | 1,157 |
| Pretax return on assets | 1.4417% | 1,733 |
| Return on Equity (ROE) | 14.2570% | 913 |
| Retained earnings to average equity (ytd only) | 14.2570% | 425 |
| Net charge-offs to loans | 0.2436% | 1,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.5556% | 2,049 |
| Efficiency ratio | 60.2597% | 5,549 |
| Assets per employee ($millions) | 5.7027% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 4,349 |
| Loan loss allowance to noncurrent loans | 111.1396% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9445% | 4,038 |
| Noncurrent loans to loans | 1.2385% | 3,704 |
| Net loans and leases to total assets | 75.2112% | 933 |
| Net loans and leases to deposits | 94.6007% | 634 |
| Net loans and leases to core deposits | 108.6856% | 540 |
| Total domestic deposits to total assets | 79.5038% | 5,871 |
| Equity capital to assets | 10.1199% | 3,987 |
| Core capital (leverage) ratio | 9.9714% | 3,420 |
| Tier 1 risk-based capital ratio | 12.9285% | 5,280 |
| Total risk-based capital ratio | 14.1798% | 5,230 |
| Memoranda: | ||
| Average total assets | $169,797,500 | 3,496 |
| Average earning assets | $160,342,000 | 3,424 |
| Average equity | $16,441,000 | 3,746 |
| Average total loans | $132,985,000 | 2,839 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7850% | 2,252 |
| Cost of funding earning assets | 0.9170% | 1,838 |
| Net interest margin | 3.8680% | 2,954 |
| Noninterest income to average assets | 0.5809% | 3,387 |
| Noninterest expense to average assets | 2.7009% | 4,394 |
| Loan and lease loss provision to assets | 0.1532% | 3,696 |
| Net operating income to assets | 1.2871% | 1,343 |
| Return on assets (ROA) | 1.2889% | 1,487 |
| Pretax return on assets | 1.3744% | 2,126 |
| Return on Equity (ROE) | 12.9569% | 1,235 |
| Retained earnings to average equity (ytd only) | 9.5428% | 688 |
| Net charge-offs to loans | 0.0331% | 5,455 |
| Credit loss provision to net charge-offs | 533.3333% | 452 |
| Earnings coverage of net charge-offs (x) | 53.1111% | 656 |
| Efficiency ratio | 63.9027% | 4,900 |
| Assets per employee ($millions) | 6.0075% | 1,269 |
| Cash dividends to net income (ytd only)* | 26.3497% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 4,639 |
| Loan loss allowance to noncurrent loans | 124.0273% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.8409% | 4,370 |
| Noncurrent loans to loans | 1.0475% | 4,116 |
| Net loans and leases to total assets | 79.2312% | 544 |
| Net loans and leases to deposits | 100.9050% | 379 |
| Net loans and leases to core deposits | 117.9796% | 318 |
| Total domestic deposits to total assets | 78.5206% | 5,983 |
| Equity capital to assets | 9.2677% | 5,184 |
| Core capital (leverage) ratio | 9.8710% | 3,579 |
| Tier 1 risk-based capital ratio | 10.9643% | 6,363 |
| Total risk-based capital ratio | 12.2017% | 6,328 |
| Memoranda: | ||
| Average total assets | $156,649,000 | 3,671 |
| Average earning assets | $147,648,600 | 3,595 |
| Average equity | $15,582,400 | 3,845 |
| Average total loans | $135,785,000 | 2,778 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 1,991 |
| Cost of funding earning assets | 0.9579% | 1,804 |
| Net interest margin | 3.9473% | 2,715 |
| Noninterest income to average assets | 0.6033% | 3,250 |
| Noninterest expense to average assets | 2.5579% | 4,889 |
| Loan and lease loss provision to assets | 0.1576% | 3,547 |
| Net operating income to assets | 1.5370% | 963 |
| Return on assets (ROA) | 1.5395% | 1,066 |
| Pretax return on assets | 1.6253% | 1,489 |
| Return on Equity (ROE) | 15.1795% | 869 |
| Retained earnings to average equity (ytd only) | 13.2799% | 369 |
| Net charge-offs to loans | 0.0445% | 5,029 |
| Credit loss provision to net charge-offs | 400.0000% | 672 |
| Earnings coverage of net charge-offs (x) | 45.1767% | 808 |
| Efficiency ratio | 58.9625% | 5,668 |
| Assets per employee ($millions) | 5.5210% | 1,619 |
| Cash dividends to net income (ytd only)* | 12.5144% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 5,150 |
| Loan loss allowance to noncurrent loans | 87.8061% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.5077% | 3,328 |
| Noncurrent loans to loans | 1.3994% | 3,702 |
| Net loans and leases to total assets | 88.2105% | 89 |
| Net loans and leases to deposits | 128.1062% | 51 |
| Net loans and leases to core deposits | 153.5882% | 100 |
| Total domestic deposits to total assets | 68.8573% | 6,891 |
| Equity capital to assets | 10.1200% | 4,324 |
| Core capital (leverage) ratio | 10.0786% | 3,431 |
| Tier 1 risk-based capital ratio | 11.1457% | 6,422 |
| Total risk-based capital ratio | 12.3582% | 6,412 |
| Memoranda: | ||
| Average total assets | $152,256,750 | 3,783 |
| Average earning assets | $144,059,500 | 3,689 |
| Average equity | $15,441,500 | 3,905 |
| Average total loans | $134,768,250 | 2,828 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9429% | 1,950 |
| Cost of funding earning assets | 0.9954% | 1,788 |
| Net interest margin | 3.9476% | 2,725 |
| Noninterest income to average assets | 0.5734% | 3,423 |
| Noninterest expense to average assets | 2.5461% | 4,976 |
| Loan and lease loss provision to assets | 0.1604% | 3,511 |
| Net operating income to assets | 1.5279% | 949 |
| Return on assets (ROA) | 1.5317% | 1,063 |
| Pretax return on assets | 1.6079% | 1,528 |
| Return on Equity (ROE) | 15.0912% | 923 |
| Retained earnings to average equity (ytd only) | 14.4328% | 314 |
| Net charge-offs to loans | 0.1015% | 4,145 |
| Credit loss provision to net charge-offs | 179.1045% | 1,576 |
| Earnings coverage of net charge-offs (x) | 19.7015% | 1,423 |
| Efficiency ratio | 59.0698% | 5,724 |
| Assets per employee ($millions) | 5.3980% | 1,709 |
| Cash dividends to net income (ytd only)* | 4.3630% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 5,248 |
| Loan loss allowance to noncurrent loans | 58.0187% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 2.0557% | 2,715 |
| Noncurrent loans to loans | 2.1079% | 2,814 |
| Net loans and leases to total assets | 86.4227% | 122 |
| Net loans and leases to deposits | 122.9189% | 62 |
| Net loans and leases to core deposits | 147.5692% | 115 |
| Total domestic deposits to total assets | 70.3087% | 6,893 |
| Equity capital to assets | 10.0593% | 4,243 |
| Core capital (leverage) ratio | 10.1200% | 3,247 |
| Tier 1 risk-based capital ratio | 11.2235% | 6,385 |
| Total risk-based capital ratio | 12.4203% | 6,394 |
| Memoranda: | ||
| Average total assets | $149,639,670 | 3,843 |
| Average earning assets | $141,656,330 | 3,758 |
| Average equity | $15,187,670 | 3,951 |
| Average total loans | $132,028,000 | 2,891 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9586% | 2,042 |
| Cost of funding earning assets | 1.0574% | 1,633 |
| Net interest margin | 3.9012% | 2,913 |
| Noninterest income to average assets | 0.5390% | 3,632 |
| Noninterest expense to average assets | 2.5529% | 4,980 |
| Loan and lease loss provision to assets | 0.1642% | 3,337 |
| Net operating income to assets | 1.4396% | 1,142 |
| Return on assets (ROA) | 1.4474% | 1,255 |
| Pretax return on assets | 1.5049% | 1,859 |
| Return on Equity (ROE) | 14.1937% | 1,150 |
| Retained earnings to average equity (ytd only) | 14.1937% | 547 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5844% | 5,530 |
| Assets per employee ($millions) | 5.2461% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 5,058 |
| Loan loss allowance to noncurrent loans | 63.3421% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 2.0341% | 2,848 |
| Noncurrent loans to loans | 2.0377% | 3,101 |
| Net loans and leases to total assets | 87.6229% | 79 |
| Net loans and leases to deposits | 116.0782% | 91 |
| Net loans and leases to core deposits | 139.9793% | 150 |
| Total domestic deposits to total assets | 75.4861% | 6,594 |
| Equity capital to assets | 10.3239% | 3,708 |
| Core capital (leverage) ratio | 10.3538% | 2,930 |
| Tier 1 risk-based capital ratio | 11.3567% | 6,358 |
| Total risk-based capital ratio | 12.6071% | 6,341 |
| Memoranda: | ||
| Average total assets | $146,189,000 | 3,935 |
| Average earning assets | $137,700,500 | 3,854 |
| Average equity | $14,908,000 | 4,008 |
| Average total loans | $129,561,000 | 2,951 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3780% | 1,473 |
| Cost of funding earning assets | 1.1908% | 2,087 |
| Net interest margin | 4.1873% | 2,104 |
| Noninterest income to average assets | 0.4313% | 4,365 |
| Noninterest expense to average assets | 2.8837% | 4,025 |
| Loan and lease loss provision to assets | 0.2125% | 4,068 |
| Net operating income to assets | 1.1897% | 1,531 |
| Return on assets (ROA) | 1.1897% | 1,649 |
| Pretax return on assets | 1.2747% | 2,220 |
| Return on Equity (ROE) | 11.8060% | 1,462 |
| Retained earnings to average equity (ytd only) | 7.0625% | 1,473 |
| Net charge-offs to loans | 0.0274% | 6,045 |
| Credit loss provision to net charge-offs | 882.3529% | 252 |
| Earnings coverage of net charge-offs (x) | 61.7647% | 471 |
| Efficiency ratio | 65.9754% | 4,776 |
| Assets per employee ($millions) | 5.0168% | 2,181 |
| Cash dividends to net income (ytd only)* | 40.1786% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 5,113 |
| Loan loss allowance to noncurrent loans | 61.0463% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 2.0538% | 2,895 |
| Noncurrent loans to loans | 2.0640% | 3,120 |
| Net loans and leases to total assets | 87.3665% | 95 |
| Net loans and leases to deposits | 114.9116% | 113 |
| Net loans and leases to core deposits | 137.8157% | 180 |
| Total domestic deposits to total assets | 76.0293% | 6,480 |
| Equity capital to assets | 10.0704% | 4,075 |
| Core capital (leverage) ratio | 9.9923% | 3,346 |
| Tier 1 risk-based capital ratio | 11.1399% | 6,380 |
| Total risk-based capital ratio | 12.3764% | 6,369 |
| Memoranda: | ||
| Average total assets | $141,207,000 | 3,956 |
| Average earning assets | $132,855,600 | 3,874 |
| Average equity | $14,230,000 | 4,064 |
| Average total loans | $123,993,200 | 3,099 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4718% | 1,328 |
| Cost of funding earning assets | 1.2257% | 2,155 |
| Net interest margin | 4.2461% | 1,925 |
| Noninterest income to average assets | 0.4243% | 4,482 |
| Noninterest expense to average assets | 2.7182% | 4,662 |
| Loan and lease loss provision to assets | 0.2141% | 3,882 |
| Net operating income to assets | 1.4243% | 1,110 |
| Return on assets (ROA) | 1.4243% | 1,179 |
| Pretax return on assets | 1.4966% | 1,663 |
| Return on Equity (ROE) | 14.1309% | 1,014 |
| Retained earnings to average equity (ytd only) | 9.8831% | 874 |
| Net charge-offs to loans | 0.0369% | 5,628 |
| Credit loss provision to net charge-offs | 661.7647% | 410 |
| Earnings coverage of net charge-offs (x) | 52.8848% | 614 |
| Efficiency ratio | 61.3749% | 5,503 |
| Assets per employee ($millions) | 4.9697% | 2,229 |
| Cash dividends to net income (ytd only)* | 30.0604% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 5,440 |
| Loan loss allowance to noncurrent loans | 58.1081% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.2113% | 2,884 |
| Noncurrent loans to loans | 2.0733% | 3,274 |
| Net loans and leases to total assets | 88.0795% | 78 |
| Net loans and leases to deposits | 125.4876% | 64 |
| Net loans and leases to core deposits | 147.5504% | 144 |
| Total domestic deposits to total assets | 70.1898% | 7,032 |
| Equity capital to assets | 10.1886% | 4,104 |
| Core capital (leverage) ratio | 10.1531% | 3,239 |
| Tier 1 risk-based capital ratio | 11.4433% | 6,277 |
| Total risk-based capital ratio | 12.6521% | 6,294 |
| Memoranda: | ||
| Average total assets | $140,137,250 | 3,994 |
| Average earning assets | $132,165,750 | 3,911 |
| Average equity | $14,124,750 | 4,102 |
| Average total loans | $122,809,500 | 3,148 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4194% | 1,507 |
| Cost of funding earning assets | 1.2454% | 2,284 |
| Net interest margin | 4.1741% | 2,143 |
| Noninterest income to average assets | 0.3544% | 5,053 |
| Noninterest expense to average assets | 2.7390% | 4,660 |
| Loan and lease loss provision to assets | 0.2161% | 3,759 |
| Net operating income to assets | 1.2737% | 1,385 |
| Return on assets (ROA) | 1.2737% | 1,451 |
| Pretax return on assets | 1.3400% | 1,999 |
| Return on Equity (ROE) | 12.6844% | 1,281 |
| Retained earnings to average equity (ytd only) | 9.0972% | 1,069 |
| Net charge-offs to loans | 0.0562% | 5,087 |
| Credit loss provision to net charge-offs | 441.1765% | 687 |
| Earnings coverage of net charge-offs (x) | 31.7647% | 882 |
| Efficiency ratio | 63.7705% | 5,283 |
| Assets per employee ($millions) | 4.9825% | 2,155 |
| Cash dividends to net income (ytd only)* | 28.2805% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 5,576 |
| Loan loss allowance to noncurrent loans | 55.2928% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 2.2844% | 2,874 |
| Noncurrent loans to loans | 2.1571% | 3,273 |
| Net loans and leases to total assets | 87.4696% | 92 |
| Net loans and leases to deposits | 117.3064% | 104 |
| Net loans and leases to core deposits | 137.8754% | 201 |
| Total domestic deposits to total assets | 74.5651% | 6,777 |
| Equity capital to assets | 10.2330% | 3,839 |
| Core capital (leverage) ratio | 10.1207% | 3,114 |
| Tier 1 risk-based capital ratio | 11.4463% | 6,207 |
| Total risk-based capital ratio | 12.6301% | 6,250 |
| Memoranda: | ||
| Average total assets | $138,809,000 | 4,049 |
| Average earning assets | $131,047,000 | 3,961 |
| Average equity | $13,938,330 | 4,134 |
| Average total loans | $120,916,000 | 3,208 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5695% | 1,125 |
| Cost of funding earning assets | 1.2704% | 2,359 |
| Net interest margin | 4.2991% | 1,564 |
| Noninterest income to average assets | 0.2918% | 5,580 |
| Noninterest expense to average assets | 2.7214% | 4,747 |
| Loan and lease loss provision to assets | 0.2167% | 3,484 |
| Net operating income to assets | 1.3376% | 1,180 |
| Return on assets (ROA) | 1.3376% | 1,228 |
| Pretax return on assets | 1.4011% | 1,721 |
| Return on Equity (ROE) | 13.4500% | 1,099 |
| Retained earnings to average equity (ytd only) | 9.0926% | 1,356 |
| Net charge-offs to loans | 0.1037% | 3,916 |
| Credit loss provision to net charge-offs | 241.9355% | 1,287 |
| Earnings coverage of net charge-offs (x) | 18.0645% | 1,198 |
| Efficiency ratio | 62.7164% | 5,563 |
| Assets per employee ($millions) | 4.9129% | 2,280 |
| Cash dividends to net income (ytd only)* | 32.3974% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 5,755 |
| Loan loss allowance to noncurrent loans | 39.5539% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 2.9550% | 2,339 |
| Noncurrent loans to loans | 2.9659% | 2,535 |
| Net loans and leases to total assets | 85.7977% | 139 |
| Net loans and leases to deposits | 111.6783% | 160 |
| Net loans and leases to core deposits | 131.8082% | 252 |
| Total domestic deposits to total assets | 76.8257% | 6,563 |
| Equity capital to assets | 10.1220% | 3,626 |
| Core capital (leverage) ratio | 10.0922% | 3,048 |
| Tier 1 risk-based capital ratio | 11.3914% | 6,181 |
| Total risk-based capital ratio | 12.5378% | 6,249 |
| Memoranda: | ||
| Average total assets | $138,459,000 | 4,086 |
| Average earning assets | $130,352,000 | 4,021 |
| Average equity | $13,769,500 | 4,160 |
| Average total loans | $119,623,500 | 3,266 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9810% | 876 |
| Cost of funding earning assets | 1.4992% | 2,638 |
| Net interest margin | 4.4818% | 1,273 |
| Noninterest income to average assets | 0.2401% | 6,082 |
| Noninterest expense to average assets | 2.8903% | 4,271 |
| Loan and lease loss provision to assets | 0.1789% | 5,430 |
| Net operating income to assets | 1.2934% | 1,191 |
| Return on assets (ROA) | 1.2927% | 1,248 |
| Pretax return on assets | 1.3844% | 1,702 |
| Return on Equity (ROE) | 13.1571% | 1,050 |
| Retained earnings to average equity (ytd only) | 6.8972% | 1,366 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8870% | 5,182 |
| Assets per employee ($millions) | 4.9770% | 2,182 |
| Cash dividends to net income (ytd only)* | 47.5779% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 5,814 |
| Loan loss allowance to noncurrent loans | 38.3117% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 2.8574% | 2,450 |
| Noncurrent loans to loans | 2.9561% | 2,584 |
| Net loans and leases to total assets | 85.0082% | 239 |
| Net loans and leases to deposits | 110.6820% | 223 |
| Net loans and leases to core deposits | 133.3438% | 295 |
| Total domestic deposits to total assets | 76.8040% | 6,511 |
| Equity capital to assets | 9.7699% | 4,032 |
| Core capital (leverage) ratio | 9.6037% | 3,553 |
| Tier 1 risk-based capital ratio | 11.1835% | 6,192 |
| Total risk-based capital ratio | 12.2988% | 6,265 |
| Memoranda: | ||
| Average total assets | $134,136,200 | 4,173 |
| Average earning assets | $126,132,800 | 4,099 |
| Average equity | $13,179,200 | 4,330 |
| Average total loans | $118,286,200 | 3,350 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0214% | 895 |
| Cost of funding earning assets | 1.5317% | 2,761 |
| Net interest margin | 4.4897% | 1,279 |
| Noninterest income to average assets | 0.2008% | 6,464 |
| Noninterest expense to average assets | 2.6068% | 5,302 |
| Loan and lease loss provision to assets | 0.1807% | 5,240 |
| Net operating income to assets | 1.5517% | 825 |
| Return on assets (ROA) | 1.5508% | 903 |
| Pretax return on assets | 1.6431% | 1,231 |
| Return on Equity (ROE) | 15.7606% | 738 |
| Retained earnings to average equity (ytd only) | 7.3448% | 1,673 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8222% | 6,141 |
| Assets per employee ($millions) | 4.8585% | 2,381 |
| Cash dividends to net income (ytd only)* | 53.3979% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 6,124 |
| Loan loss allowance to noncurrent loans | 26.7865% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 4.0003% | 1,747 |
| Noncurrent loans to loans | 3.9498% | 1,908 |
| Net loans and leases to total assets | 89.1590% | 79 |
| Net loans and leases to deposits | 120.1198% | 111 |
| Net loans and leases to core deposits | 146.7650% | 205 |
| Total domestic deposits to total assets | 74.2250% | 6,896 |
| Equity capital to assets | 9.8905% | 4,303 |
| Core capital (leverage) ratio | 9.7292% | 3,579 |
| Tier 1 risk-based capital ratio | 10.9116% | 6,453 |
| Total risk-based capital ratio | 11.9662% | 6,602 |
| Memoranda: | ||
| Average total assets | $132,831,250 | 4,253 |
| Average earning assets | $125,172,000 | 4,181 |
| Average equity | $13,070,250 | 4,420 |
| Average total loans | $117,902,500 | 3,404 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0293% | 875 |
| Cost of funding earning assets | 1.5437% | 2,994 |
| Net interest margin | 4.4856% | 1,231 |
| Noninterest income to average assets | 0.1746% | 6,655 |
| Noninterest expense to average assets | 2.5926% | 5,352 |
| Loan and lease loss provision to assets | 0.1821% | 5,047 |
| Net operating income to assets | 1.5300% | 849 |
| Return on assets (ROA) | 1.5285% | 915 |
| Pretax return on assets | 1.6150% | 1,264 |
| Return on Equity (ROE) | 15.5617% | 754 |
| Retained earnings to average equity (ytd only) | 6.2896% | 2,176 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0391% | 6,212 |
| Assets per employee ($millions) | 4.7496% | 2,506 |
| Cash dividends to net income (ytd only)* | 59.5829% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 6,184 |
| Loan loss allowance to noncurrent loans | 25.5473% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 4.0921% | 1,669 |
| Noncurrent loans to loans | 4.1042% | 1,830 |
| Net loans and leases to total assets | 87.7816% | 142 |
| Net loans and leases to deposits | 118.2802% | 150 |
| Net loans and leases to core deposits | 141.7251% | 270 |
| Total domestic deposits to total assets | 74.2150% | 6,949 |
| Equity capital to assets | 9.8783% | 4,167 |
| Core capital (leverage) ratio | 9.8091% | 3,388 |
| Tier 1 risk-based capital ratio | 11.0656% | 6,166 |
| Total risk-based capital ratio | 12.1100% | 6,376 |
| Memoranda: | ||
| Average total assets | $131,762,000 | 4,302 |
| Average earning assets | $123,861,670 | 4,234 |
| Average equity | $12,942,000 | 4,451 |
| Average total loans | $116,340,670 | 3,470 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2011% | 639 |
| Cost of funding earning assets | 1.5584% | 3,212 |
| Net interest margin | 4.6427% | 885 |
| Noninterest income to average assets | 0.0854% | 7,276 |
| Noninterest expense to average assets | 2.5376% | 5,585 |
| Loan and lease loss provision to assets | 0.1830% | 4,686 |
| Net operating income to assets | 1.6470% | 687 |
| Return on assets (ROA) | 1.6470% | 735 |
| Pretax return on assets | 1.7171% | 1,024 |
| Return on Equity (ROE) | 16.8165% | 627 |
| Retained earnings to average equity (ytd only) | 6.6955% | 2,277 |
| Net charge-offs to loans | -0.0104% | 6,902 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1821% | 6,607 |
| Assets per employee ($millions) | 4.6878% | 2,667 |
| Cash dividends to net income (ytd only)* | 60.1852% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 6,283 |
| Loan loss allowance to noncurrent loans | 23.2604% | 6,841 |
| Noncurrent assets plus other real estate owned to assets | 4.3221% | 1,573 |
| Noncurrent loans to loans | 4.4708% | 1,674 |
| Net loans and leases to total assets | 85.5497% | 243 |
| Net loans and leases to deposits | 111.1859% | 268 |
| Net loans and leases to core deposits | 133.4197% | 416 |
| Total domestic deposits to total assets | 76.9429% | 6,571 |
| Equity capital to assets | 9.8555% | 4,044 |
| Core capital (leverage) ratio | 9.8290% | 3,371 |
| Tier 1 risk-based capital ratio | 11.1539% | 6,004 |
| Total risk-based capital ratio | 12.1731% | 6,209 |
| Memoranda: | ||
| Average total assets | $131,149,000 | 4,378 |
| Average earning assets | $122,946,000 | 4,304 |
| Average equity | $12,844,500 | 4,513 |
| Average total loans | $115,523,000 | 3,552 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1537% | 1,365 |
| Cost of funding earning assets | 1.8265% | 3,850 |
| Net interest margin | 4.3272% | 1,640 |
| Noninterest income to average assets | 0.2231% | 6,519 |
| Noninterest expense to average assets | 2.6597% | 5,553 |
| Loan and lease loss provision to assets | 0.2954% | 5,065 |
| Net operating income to assets | 1.2136% | 1,214 |
| Return on assets (ROA) | 1.2136% | 1,260 |
| Pretax return on assets | 1.3053% | 1,676 |
| Return on Equity (ROE) | 12.7043% | 1,025 |
| Retained earnings to average equity (ytd only) | 10.2627% | 346 |
| Net charge-offs to loans | 0.0375% | 6,741 |
| Credit loss provision to net charge-offs | 883.7209% | 332 |
| Earnings coverage of net charge-offs (x) | 47.8837% | 537 |
| Efficiency ratio | 62.4270% | 6,068 |
| Assets per employee ($millions) | 4.6800% | 2,646 |
| Cash dividends to net income (ytd only)* | 19.2184% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 6,633 |
| Loan loss allowance to noncurrent loans | 20.6241% | 7,033 |
| Noncurrent assets plus other real estate owned to assets | 4.5909% | 1,401 |
| Noncurrent loans to loans | 4.6064% | 1,531 |
| Net loans and leases to total assets | 88.8722% | 133 |
| Net loans and leases to deposits | 120.7981% | 168 |
| Net loans and leases to core deposits | 151.5071% | 475 |
| Total domestic deposits to total assets | 73.5709% | 7,076 |
| Equity capital to assets | 9.7321% | 4,100 |
| Core capital (leverage) ratio | 9.5400% | 3,669 |
| Tier 1 risk-based capital ratio | 10.7675% | 6,139 |
| Total risk-based capital ratio | 11.7145% | 6,405 |
| Memoranda: | ||
| Average total assets | $128,625,000 | 4,368 |
| Average earning assets | $120,009,000 | 4,315 |
| Average equity | $12,287,200 | 4,688 |
| Average total loans | $114,671,200 | 3,591 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2181% | 1,330 |
| Cost of funding earning assets | 1.8696% | 4,048 |
| Net interest margin | 4.3485% | 1,593 |
| Noninterest income to average assets | 0.3135% | 5,971 |
| Noninterest expense to average assets | 2.5349% | 5,954 |
| Loan and lease loss provision to assets | 0.1875% | 5,496 |
| Net operating income to assets | 1.5528% | 729 |
| Return on assets (ROA) | 1.5528% | 782 |
| Pretax return on assets | 1.6486% | 1,074 |
| Return on Equity (ROE) | 16.3338% | 615 |
| Retained earnings to average equity (ytd only) | 13.0473% | 257 |
| Net charge-offs to loans | 0.0468% | 6,257 |
| Credit loss provision to net charge-offs | 450.0000% | 877 |
| Earnings coverage of net charge-offs (x) | 44.0767% | 700 |
| Efficiency ratio | 57.9938% | 6,715 |
| Assets per employee ($millions) | 4.7839% | 2,423 |
| Cash dividends to net income (ytd only)* | 20.1207% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 7,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 6,340 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 86.9263% | 280 |
| Net loans and leases to deposits | 131.4250% | 101 |
| Net loans and leases to core deposits | 158.9201% | 400 |
| Total domestic deposits to total assets | 66.1413% | 7,678 |
| Equity capital to assets | 9.4873% | 4,763 |
| Core capital (leverage) ratio | 9.6369% | 3,730 |
| Tier 1 risk-based capital ratio | 10.6819% | 6,263 |
| Total risk-based capital ratio | 11.4601% | 6,711 |
| Memoranda: | ||
| Average total assets | $128,021,000 | 4,408 |
| Average earning assets | $119,454,750 | 4,358 |
| Average equity | $12,170,750 | 4,751 |
| Average total loans | $113,945,000 | 3,636 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2780% | 1,265 |
| Cost of funding earning assets | 1.9177% | 4,177 |
| Net interest margin | 4.3603% | 1,499 |
| Noninterest income to average assets | 0.3062% | 6,064 |
| Noninterest expense to average assets | 2.5689% | 5,865 |
| Loan and lease loss provision to assets | 0.1904% | 5,139 |
| Net operating income to assets | 1.5264% | 792 |
| Return on assets (ROA) | 1.5264% | 846 |
| Pretax return on assets | 1.6201% | 1,171 |
| Return on Equity (ROE) | 16.0445% | 688 |
| Retained earnings to average equity (ytd only) | 13.1258% | 315 |
| Net charge-offs to loans | -0.0071% | 7,571 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6594% | 6,740 |
| Assets per employee ($millions) | 4.3226% | 3,070 |
| Cash dividends to net income (ytd only)* | 18.1913% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 7,113 |
| Loan loss allowance to noncurrent loans | 201.3363% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8368% | 5,320 |
| Noncurrent loans to loans | 0.4029% | 6,499 |
| Net loans and leases to total assets | 88.1751% | 227 |
| Net loans and leases to deposits | 131.2361% | 112 |
| Net loans and leases to core deposits | 156.0776% | 518 |
| Total domestic deposits to total assets | 67.1881% | 7,668 |
| Equity capital to assets | 9.8322% | 4,174 |
| Core capital (leverage) ratio | 9.6883% | 3,647 |
| Tier 1 risk-based capital ratio | 10.8955% | 5,988 |
| Total risk-based capital ratio | 11.7012% | 6,375 |
| Memoranda: | ||
| Average total assets | $126,045,330 | 4,478 |
| Average earning assets | $117,744,000 | 4,422 |
| Average equity | $11,991,670 | 4,813 |
| Average total loans | $112,808,000 | 3,705 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1957% | 1,617 |
| Cost of funding earning assets | 1.9804% | 4,235 |
| Net interest margin | 4.2152% | 1,844 |
| Noninterest income to average assets | 0.3196% | 5,891 |
| Noninterest expense to average assets | 2.2375% | 6,732 |
| Loan and lease loss provision to assets | 0.1899% | 4,541 |
| Net operating income to assets | 1.7311% | 605 |
| Return on assets (ROA) | 1.7311% | 662 |
| Pretax return on assets | 1.8261% | 930 |
| Return on Equity (ROE) | 18.5032% | 550 |
| Retained earnings to average equity (ytd only) | 16.8118% | 286 |
| Net charge-offs to loans | 0.1656% | 3,640 |
| Credit loss provision to net charge-offs | 127.6596% | 3,128 |
| Earnings coverage of net charge-offs (x) | 13.5532% | 1,729 |
| Efficiency ratio | 52.6042% | 7,354 |
| Assets per employee ($millions) | 4.5005% | 2,718 |
| Cash dividends to net income (ytd only)* | 9.1408% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6906% | 7,462 |
| Loan loss allowance to noncurrent loans | 84.4515% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.2213% | 4,240 |
| Noncurrent loans to loans | 0.8177% | 5,400 |
| Net loans and leases to total assets | 90.5003% | 119 |
| Net loans and leases to deposits | 130.0836% | 147 |
| Net loans and leases to core deposits | 180.3650% | 231 |
| Total domestic deposits to total assets | 69.5708% | 7,466 |
| Equity capital to assets | 9.5672% | 4,574 |
| Core capital (leverage) ratio | 9.5265% | 3,949 |
| Tier 1 risk-based capital ratio | 10.3203% | 6,577 |
| Total risk-based capital ratio | 11.0059% | 7,109 |
| Memoranda: | ||
| Average total assets | $126,391,000 | 4,485 |
| Average earning assets | $117,953,500 | 4,431 |
| Average equity | $11,825,000 | 4,895 |
| Average total loans | $113,494,500 | 3,708 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8184% | 1,617 |
| Cost of funding earning assets | 2.4536% | 4,453 |
| Net interest margin | 4.3648% | 1,781 |
| Noninterest income to average assets | 0.3414% | 6,008 |
| Noninterest expense to average assets | 2.7810% | 4,908 |
| Loan and lease loss provision to assets | 0.2032% | 4,857 |
| Net operating income to assets | 1.3076% | 1,466 |
| Return on assets (ROA) | 1.3076% | 1,413 |
| Pretax return on assets | 1.4101% | 1,942 |
| Return on Equity (ROE) | 13.4255% | 1,233 |
| Retained earnings to average equity (ytd only) | 9.0967% | 590 |
| Net charge-offs to loans | 0.1530% | 4,667 |
| Credit loss provision to net charge-offs | 152.0000% | 3,447 |
| Earnings coverage of net charge-offs (x) | 12.0667% | 2,297 |
| Efficiency ratio | 63.2860% | 5,713 |
| Assets per employee ($millions) | 4.5274% | 2,571 |
| Cash dividends to net income (ytd only)* | 32.2427% | 4,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 7,439 |
| Loan loss allowance to noncurrent loans | 125.4019% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 4,422 |
| Noncurrent loans to loans | 0.5546% | 5,701 |
| Net loans and leases to total assets | 87.8558% | 384 |
| Net loans and leases to deposits | 132.5333% | 177 |
| Net loans and leases to core deposits | 186.1118% | 237 |
| Total domestic deposits to total assets | 66.2896% | 7,639 |
| Equity capital to assets | 9.1458% | 5,159 |
| Core capital (leverage) ratio | 9.4352% | 4,108 |
| Tier 1 risk-based capital ratio | 10.1718% | 6,549 |
| Total risk-based capital ratio | 10.8654% | 7,075 |
| Memoranda: | ||
| Average total assets | $112,191,600 | 4,722 |
| Average earning assets | $104,174,400 | 4,675 |
| Average equity | $10,927,000 | 5,144 |
| Average total loans | $98,009,800 | 4,005 |