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 | 3.5196% | 4,387 |
| Cost of funding earning assets | 0.8705% | 3,583 |
| Net interest margin | 2.6491% | 3,899 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.2644% | 2,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3357% | 3,978 |
| Return on assets (ROA) | 0.3357% | 3,974 |
| Pretax return on assets | 0.4385% | 3,909 |
| Return on Equity (ROE) | 3.8600% | 3,909 |
| Retained earnings to average equity (ytd only) | 3.8620% | 3,008 |
| Net charge-offs to loans | 0.0361% | 1,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,654 |
| Efficiency ratio | 83.7762% | 671 |
| Assets per employee ($millions) | 6.1340% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 801 |
| Loan loss allowance to noncurrent loans | 1,066.3043% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,086 |
| Noncurrent loans to loans | 0.1521% | 2,751 |
| Net loans and leases to total assets | 46.1900% | 3,806 |
| Net loans and leases to deposits | 51.0752% | 3,908 |
| Net loans and leases to core deposits | 57.2709% | 3,863 |
| Total domestic deposits to total assets | 90.4300% | 645 |
| Equity capital to assets | 9.3973% | 2,427 |
| Core capital (leverage) ratio | 9.6050% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1523% | 594 |
| Memoranda: | ||
| Average total assets | $132,267,400 | 3,529 |
| Average earning assets | $122,343,600 | 3,522 |
| Average equity | $11,496,600 | 3,575 |
| Average total loans | $55,354,400 | 3,770 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3483% | 4,437 |
| Cost of funding earning assets | 0.7764% | 3,584 |
| Net interest margin | 2.5719% | 4,062 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.0981% | 3,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4016% | 3,963 |
| Return on assets (ROA) | 0.4016% | 3,955 |
| Pretax return on assets | 0.5278% | 3,863 |
| Return on Equity (ROE) | 4.7100% | 3,866 |
| Retained earnings to average equity (ytd only) | 4.7129% | 3,040 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.9008% | 862 |
| Assets per employee ($millions) | 6.0770% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7181% | 674 |
| Loan loss allowance to noncurrent loans | 358.7814% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 2,171 |
| Noncurrent loans to loans | 0.4789% | 1,626 |
| Net loans and leases to total assets | 44.8700% | 3,878 |
| Net loans and leases to deposits | 49.5457% | 3,955 |
| Net loans and leases to core deposits | 55.5980% | 3,871 |
| Total domestic deposits to total assets | 90.5600% | 786 |
| Equity capital to assets | 9.2518% | 2,258 |
| Core capital (leverage) ratio | 9.4977% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2479% | 610 |
| Memoranda: | ||
| Average total assets | $133,131,000 | 3,527 |
| Average earning assets | $122,448,500 | 3,529 |
| Average equity | $11,344,500 | 3,590 |
| Average total loans | $54,073,500 | 3,794 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1199% | 4,522 |
| Cost of funding earning assets | 0.6486% | 3,631 |
| Net interest margin | 2.4713% | 4,234 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.0968% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3245% | 4,122 |
| Return on assets (ROA) | 0.3245% | 4,148 |
| Pretax return on assets | 0.4208% | 4,086 |
| Return on Equity (ROE) | 3.9100% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.9141% | 3,225 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.2843% | 639 |
| Assets per employee ($millions) | 6.1893% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 543 |
| Loan loss allowance to noncurrent loans | 362.6812% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 2,177 |
| Noncurrent loans to loans | 0.5110% | 1,434 |
| Net loans and leases to total assets | 38.9400% | 4,074 |
| Net loans and leases to deposits | 42.5684% | 4,146 |
| Net loans and leases to core deposits | 44.9364% | 4,148 |
| Total domestic deposits to total assets | 91.4700% | 513 |
| Equity capital to assets | 8.4207% | 2,929 |
| Core capital (leverage) ratio | 9.2561% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6667% | 509 |
| Memoranda: | ||
| Average total assets | $134,968,667 | 3,520 |
| Average earning assets | $123,659,667 | 3,521 |
| Average equity | $11,190,333 | 3,615 |
| Average total loans | $52,677,000 | 3,824 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0005% | 4,565 |
| Cost of funding earning assets | 0.5564% | 3,514 |
| Net interest margin | 2.4441% | 4,353 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.1136% | 3,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2471% | 4,312 |
| Return on assets (ROA) | 0.2471% | 4,275 |
| Pretax return on assets | 0.3155% | 4,251 |
| Return on Equity (ROE) | 3.0000% | 4,188 |
| Retained earnings to average equity (ytd only) | 3.0038% | 3,504 |
| Net charge-offs to loans | -0.1154% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.0098% | 468 |
| Assets per employee ($millions) | 6.0300% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9868% | 452 |
| Loan loss allowance to noncurrent loans | 1,638.7097% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 3,317 |
| Noncurrent loans to loans | 0.1212% | 2,907 |
| Net loans and leases to total assets | 37.7800% | 4,122 |
| Net loans and leases to deposits | 41.3166% | 4,185 |
| Net loans and leases to core deposits | 43.7735% | 4,179 |
| Total domestic deposits to total assets | 91.4500% | 660 |
| Equity capital to assets | 8.4925% | 2,901 |
| Core capital (leverage) ratio | 8.8352% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0230% | 500 |
| Memoranda: | ||
| Average total assets | $134,371,000 | 3,573 |
| Average earning assets | $120,781,500 | 3,598 |
| Average equity | $11,052,500 | 3,671 |
| Average total loans | $52,007,000 | 3,880 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1051% | 4,591 |
| Cost of funding earning assets | 0.1973% | 3,781 |
| Net interest margin | 1.9078% | 4,582 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.9276% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0979% | 4,510 |
| Return on assets (ROA) | 0.0799% | 4,509 |
| Pretax return on assets | 0.0975% | 4,502 |
| Return on Equity (ROE) | 1.0000% | 4,487 |
| Retained earnings to average equity (ytd only) | 0.9978% | 4,202 |
| Net charge-offs to loans | -0.0410% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 94.1640% | 226 |
| Assets per employee ($millions) | 6.1856% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 546 |
| Loan loss allowance to noncurrent loans | 1,614.5161% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,247 |
| Noncurrent loans to loans | 0.1173% | 2,940 |
| Net loans and leases to total assets | 38.1200% | 4,140 |
| Net loans and leases to deposits | 42.1084% | 4,170 |
| Net loans and leases to core deposits | 45.3516% | 4,139 |
| Total domestic deposits to total assets | 90.5300% | 1,136 |
| Equity capital to assets | 7.9650% | 3,080 |
| Core capital (leverage) ratio | 8.5690% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7432% | 565 |
| Memoranda: | ||
| Average total assets | $136,437,200 | 3,570 |
| Average earning assets | $127,213,600 | 3,556 |
| Average equity | $10,924,000 | 3,766 |
| Average total loans | $48,834,400 | 3,914 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8726% | 4,649 |
| Cost of funding earning assets | 0.0948% | 4,247 |
| Net interest margin | 1.7778% | 4,632 |
| Noninterest income to average assets | 0.2886% | 3,444 |
| Noninterest expense to average assets | 1.8820% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0845% | 4,523 |
| Return on assets (ROA) | 0.0773% | 4,497 |
| Pretax return on assets | 0.0933% | 4,495 |
| Return on Equity (ROE) | 0.9542% | 4,466 |
| Retained earnings to average equity (ytd only) | 0.9542% | 4,005 |
| Net charge-offs to loans | -0.0085% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8567% | 269 |
| Assets per employee ($millions) | 5.9257% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0944% | 455 |
| Loan loss allowance to noncurrent loans | 1,328.3784% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 3,468 |
| Noncurrent loans to loans | 0.1577% | 2,904 |
| Net loans and leases to total assets | 32.3114% | 4,392 |
| Net loans and leases to deposits | 34.9623% | 4,426 |
| Net loans and leases to core deposits | 35.4467% | 4,451 |
| Total domestic deposits to total assets | 92.4179% | 687 |
| Equity capital to assets | 7.5343% | 3,450 |
| Core capital (leverage) ratio | 8.6315% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4340% | 405 |
| Memoranda: | ||
| Average total assets | $137,194,333 | 3,627 |
| Average earning assets | $130,837,333 | 3,587 |
| Average equity | $11,108,333 | 3,877 |
| Average total loans | $47,091,333 | 4,010 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8418% | 4,658 |
| Cost of funding earning assets | 0.0841% | 4,307 |
| Net interest margin | 1.7576% | 4,629 |
| Noninterest income to average assets | 0.2732% | 3,500 |
| Noninterest expense to average assets | 1.8443% | 3,824 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0896% | 4,481 |
| Return on assets (ROA) | 0.0742% | 4,469 |
| Pretax return on assets | 0.0861% | 4,460 |
| Return on Equity (ROE) | 0.8846% | 4,443 |
| Retained earnings to average equity (ytd only) | 0.8846% | 3,849 |
| Net charge-offs to loans | -0.0170% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6646% | 371 |
| Assets per employee ($millions) | 6.1940% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2027% | 435 |
| Loan loss allowance to noncurrent loans | 6,143.7500% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 3,950 |
| Noncurrent loans to loans | 0.0359% | 3,725 |
| Net loans and leases to total assets | 32.0281% | 4,373 |
| Net loans and leases to deposits | 34.8494% | 4,429 |
| Net loans and leases to core deposits | 35.3562% | 4,445 |
| Total domestic deposits to total assets | 91.9042% | 615 |
| Equity capital to assets | 8.0092% | 3,561 |
| Core capital (leverage) ratio | 8.4138% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0409% | 294 |
| Memoranda: | ||
| Average total assets | $134,683,500 | 3,668 |
| Average earning assets | $128,356,000 | 3,627 |
| Average equity | $11,305,000 | 3,926 |
| Average total loans | $47,169,500 | 4,022 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5247% | 4,461 |
| Cost of funding earning assets | 0.1362% | 4,105 |
| Net interest margin | 2.3885% | 4,335 |
| Noninterest income to average assets | 0.3382% | 3,390 |
| Noninterest expense to average assets | 2.0598% | 3,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4026% | 4,271 |
| Return on assets (ROA) | 0.3939% | 4,315 |
| Pretax return on assets | 0.5101% | 4,242 |
| Return on Equity (ROE) | 4.3234% | 4,149 |
| Retained earnings to average equity (ytd only) | 4.3234% | 3,080 |
| Net charge-offs to loans | 0.0521% | 1,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 25.5385% | 1,722 |
| Efficiency ratio | 79.8115% | 816 |
| Assets per employee ($millions) | 6.3380% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9734% | 629 |
| Loan loss allowance to noncurrent loans | 19,620.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,143 |
| Noncurrent loans to loans | 0.0101% | 4,026 |
| Net loans and leases to total assets | 36.6126% | 4,257 |
| Net loans and leases to deposits | 40.1746% | 4,332 |
| Net loans and leases to core deposits | 40.8670% | 4,374 |
| Total domestic deposits to total assets | 91.1337% | 446 |
| Equity capital to assets | 8.7874% | 3,819 |
| Core capital (leverage) ratio | 8.7555% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4166% | 472 |
| Memoranda: | ||
| Average total assets | $127,437,000 | 3,712 |
| Average earning assets | $119,658,800 | 3,692 |
| Average equity | $11,611,200 | 3,971 |
| Average total loans | $49,897,800 | 3,996 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7474% | 4,363 |
| Cost of funding earning assets | 0.1469% | 4,138 |
| Net interest margin | 2.6005% | 4,131 |
| Noninterest income to average assets | 0.3756% | 3,229 |
| Noninterest expense to average assets | 2.0567% | 3,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5777% | 4,046 |
| Return on assets (ROA) | 0.5777% | 4,091 |
| Pretax return on assets | 0.7533% | 3,974 |
| Return on Equity (ROE) | 6.2811% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.2811% | 2,704 |
| Net charge-offs to loans | 0.0801% | 869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 23.7333% | 1,661 |
| Efficiency ratio | 73.1928% | 1,287 |
| Assets per employee ($millions) | 6.6737% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0479% | 583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 36.8541% | 4,348 |
| Net loans and leases to deposits | 40.7157% | 4,426 |
| Net loans and leases to core deposits | 41.4058% | 4,472 |
| Total domestic deposits to total assets | 90.5158% | 553 |
| Equity capital to assets | 9.3336% | 3,523 |
| Core capital (leverage) ratio | 9.2597% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3281% | 466 |
| Memoranda: | ||
| Average total assets | $126,021,500 | 3,768 |
| Average earning assets | $117,974,750 | 3,748 |
| Average equity | $11,590,000 | 4,028 |
| Average total loans | $49,944,250 | 4,056 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9680% | 4,100 |
| Cost of funding earning assets | 0.1583% | 4,136 |
| Net interest margin | 2.8098% | 3,770 |
| Noninterest income to average assets | 0.2926% | 3,676 |
| Noninterest expense to average assets | 2.0579% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6632% | 3,848 |
| Return on assets (ROA) | 0.6632% | 3,910 |
| Pretax return on assets | 0.8604% | 3,746 |
| Return on Equity (ROE) | 7.2469% | 3,594 |
| Retained earnings to average equity (ytd only) | 7.2469% | 2,344 |
| Net charge-offs to loans | 0.1223% | 635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 17.4516% | 1,575 |
| Efficiency ratio | 70.5177% | 1,577 |
| Assets per employee ($millions) | 7.6441% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9443% | 675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 37.8776% | 4,386 |
| Net loans and leases to deposits | 41.7072% | 4,467 |
| Net loans and leases to core deposits | 42.6726% | 4,499 |
| Total domestic deposits to total assets | 90.8180% | 431 |
| Equity capital to assets | 9.0196% | 3,776 |
| Core capital (leverage) ratio | 8.9436% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2783% | 526 |
| Memoranda: | ||
| Average total assets | $125,762,000 | 3,785 |
| Average earning assets | $117,518,333 | 3,765 |
| Average equity | $11,508,333 | 4,047 |
| Average total loans | $50,689,667 | 4,071 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3857% | 4,720 |
| Cost of funding earning assets | 0.1781% | 4,096 |
| Net interest margin | 2.2076% | 4,606 |
| Noninterest income to average assets | 0.2199% | 4,067 |
| Noninterest expense to average assets | 2.1024% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1391% | 4,678 |
| Return on assets (ROA) | 0.1391% | 4,700 |
| Pretax return on assets | 0.1617% | 4,696 |
| Return on Equity (ROE) | 1.5085% | 4,660 |
| Retained earnings to average equity (ytd only) | 1.5085% | 4,123 |
| Net charge-offs to loans | -0.0157% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8571% | 304 |
| Assets per employee ($millions) | 6.1136% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,201 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 38.5821% | 4,405 |
| Net loans and leases to deposits | 42.4762% | 4,473 |
| Net loans and leases to core deposits | 43.4825% | 4,513 |
| Total domestic deposits to total assets | 90.8323% | 459 |
| Equity capital to assets | 8.8779% | 3,810 |
| Core capital (leverage) ratio | 9.1182% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5321% | 550 |
| Memoranda: | ||
| Average total assets | $123,668,000 | 3,821 |
| Average earning assets | $114,514,000 | 3,806 |
| Average equity | $11,402,000 | 4,067 |
| Average total loans | $50,935,500 | 4,073 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1882% | 4,464 |
| Cost of funding earning assets | 0.3440% | 3,903 |
| Net interest margin | 2.8442% | 4,195 |
| Noninterest income to average assets | 0.2703% | 3,856 |
| Noninterest expense to average assets | 2.4571% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3733% | 4,296 |
| Return on assets (ROA) | 0.3733% | 4,378 |
| Pretax return on assets | 0.4699% | 4,323 |
| Return on Equity (ROE) | 3.6560% | 4,234 |
| Retained earnings to average equity (ytd only) | 3.6560% | 3,006 |
| Net charge-offs to loans | -0.0186% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9450% | 636 |
| Assets per employee ($millions) | 5.4068% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9619% | 637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,251 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 42.3043% | 4,337 |
| Net loans and leases to deposits | 46.8311% | 4,435 |
| Net loans and leases to core deposits | 48.2862% | 4,477 |
| Total domestic deposits to total assets | 90.3338% | 439 |
| Equity capital to assets | 9.5889% | 3,526 |
| Core capital (leverage) ratio | 9.4911% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6908% | 611 |
| Memoranda: | ||
| Average total assets | $111,718,400 | 3,860 |
| Average earning assets | $104,352,400 | 3,845 |
| Average equity | $11,405,800 | 4,038 |
| Average total loans | $53,795,600 | 4,028 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3172% | 4,452 |
| Cost of funding earning assets | 0.3801% | 3,916 |
| Net interest margin | 2.9370% | 4,113 |
| Noninterest income to average assets | 0.2729% | 3,833 |
| Noninterest expense to average assets | 2.4262% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4610% | 4,144 |
| Return on assets (ROA) | 0.4610% | 4,212 |
| Pretax return on assets | 0.5835% | 4,128 |
| Return on Equity (ROE) | 4.4421% | 4,044 |
| Retained earnings to average equity (ytd only) | 4.4421% | 2,829 |
| Net charge-offs to loans | -0.0196% | 4,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6127% | 833 |
| Assets per employee ($millions) | 4.9335% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 589 |
| Loan loss allowance to noncurrent loans | 905.4054% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 3,943 |
| Noncurrent loans to loans | 0.2096% | 3,543 |
| Net loans and leases to total assets | 45.7795% | 4,324 |
| Net loans and leases to deposits | 51.7591% | 4,419 |
| Net loans and leases to core deposits | 53.4831% | 4,472 |
| Total domestic deposits to total assets | 88.4472% | 991 |
| Equity capital to assets | 10.0679% | 3,169 |
| Core capital (leverage) ratio | 10.0052% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7243% | 602 |
| Memoranda: | ||
| Average total assets | $109,910,500 | 3,879 |
| Average earning assets | $102,413,250 | 3,861 |
| Average equity | $11,405,750 | 4,049 |
| Average total loans | $54,412,500 | 4,037 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4963% | 4,415 |
| Cost of funding earning assets | 0.4252% | 3,922 |
| Net interest margin | 3.0712% | 3,966 |
| Noninterest income to average assets | 0.2759% | 3,820 |
| Noninterest expense to average assets | 2.5036% | 2,950 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5022% | 4,014 |
| Return on assets (ROA) | 0.5022% | 4,086 |
| Pretax return on assets | 0.6291% | 4,007 |
| Return on Equity (ROE) | 4.7896% | 3,888 |
| Retained earnings to average equity (ytd only) | 4.7896% | 2,570 |
| Net charge-offs to loans | -0.0182% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9178% | 899 |
| Assets per employee ($millions) | 4.9183% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8551% | 586 |
| Loan loss allowance to noncurrent loans | 902.7027% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 4,040 |
| Noncurrent loans to loans | 0.2055% | 3,649 |
| Net loans and leases to total assets | 46.8622% | 4,317 |
| Net loans and leases to deposits | 52.2014% | 4,437 |
| Net loans and leases to core deposits | 53.5741% | 4,509 |
| Total domestic deposits to total assets | 89.7720% | 471 |
| Equity capital to assets | 10.0591% | 3,155 |
| Core capital (leverage) ratio | 10.0758% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5883% | 619 |
| Memoranda: | ||
| Average total assets | $108,724,000 | 3,884 |
| Average earning assets | $101,134,667 | 3,872 |
| Average equity | $11,399,667 | 4,058 |
| Average total loans | $54,899,667 | 4,037 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6635% | 4,451 |
| Cost of funding earning assets | 0.5188% | 3,852 |
| Net interest margin | 3.1448% | 3,998 |
| Noninterest income to average assets | 0.2816% | 3,844 |
| Noninterest expense to average assets | 2.4220% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6346% | 3,494 |
| Return on assets (ROA) | 0.6346% | 3,556 |
| Pretax return on assets | 0.7961% | 3,425 |
| Return on Equity (ROE) | 5.9246% | 3,340 |
| Retained earnings to average equity (ytd only) | 5.9246% | 1,905 |
| Net charge-offs to loans | -0.0217% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2625% | 1,651 |
| Assets per employee ($millions) | 4.6537% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 628 |
| Loan loss allowance to noncurrent loans | 909.0909% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,101 |
| Noncurrent loans to loans | 0.2070% | 3,740 |
| Net loans and leases to total assets | 48.7130% | 4,307 |
| Net loans and leases to deposits | 54.5358% | 4,419 |
| Net loans and leases to core deposits | 55.6255% | 4,509 |
| Total domestic deposits to total assets | 89.3231% | 541 |
| Equity capital to assets | 10.5788% | 3,251 |
| Core capital (leverage) ratio | 10.2616% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9625% | 752 |
| Memoranda: | ||
| Average total assets | $106,525,500 | 3,893 |
| Average earning assets | $99,467,000 | 3,883 |
| Average equity | $11,410,000 | 4,078 |
| Average total loans | $55,343,000 | 4,045 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9842% | 4,295 |
| Cost of funding earning assets | 0.7366% | 2,991 |
| Net interest margin | 3.2476% | 4,087 |
| Noninterest income to average assets | 0.3320% | 3,720 |
| Noninterest expense to average assets | 2.6206% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5727% | 4,240 |
| Return on assets (ROA) | 0.5530% | 4,337 |
| Pretax return on assets | 0.7281% | 4,141 |
| Return on Equity (ROE) | 5.1751% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.1751% | 2,320 |
| Net charge-offs to loans | -0.0598% | 4,854 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6801% | 1,184 |
| Assets per employee ($millions) | 4.6094% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7325% | 744 |
| Loan loss allowance to noncurrent loans | 1,608.0645% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 4,329 |
| Noncurrent loans to loans | 0.1077% | 4,098 |
| Net loans and leases to total assets | 53.3401% | 4,126 |
| Net loans and leases to deposits | 59.8814% | 4,296 |
| Net loans and leases to core deposits | 61.2944% | 4,373 |
| Total domestic deposits to total assets | 89.0762% | 638 |
| Equity capital to assets | 10.8446% | 3,143 |
| Core capital (leverage) ratio | 10.9280% | 2,566 |
| Tier 1 risk-based capital ratio | 19.2683% | 1,464 |
| Total risk-based capital ratio | 20.5226% | 1,431 |
| Memoranda: | ||
| Average total assets | $104,517,400 | 3,925 |
| Average earning assets | $97,887,400 | 3,914 |
| Average equity | $11,168,800 | 4,097 |
| Average total loans | $56,881,400 | 4,031 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 4,329 |
| Cost of funding earning assets | 0.7842% | 2,789 |
| Net interest margin | 3.2328% | 4,226 |
| Noninterest income to average assets | 0.3444% | 3,666 |
| Noninterest expense to average assets | 2.5938% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5845% | 4,328 |
| Return on assets (ROA) | 0.5582% | 4,443 |
| Pretax return on assets | 0.7362% | 4,270 |
| Return on Equity (ROE) | 5.2434% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.2434% | 2,764 |
| Net charge-offs to loans | -0.0705% | 4,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1222% | 1,204 |
| Assets per employee ($millions) | 4.3589% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 777 |
| Loan loss allowance to noncurrent loans | 1,773.2143% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 4,427 |
| Noncurrent loans to loans | 0.0973% | 4,208 |
| Net loans and leases to total assets | 56.4357% | 4,020 |
| Net loans and leases to deposits | 63.7761% | 4,185 |
| Net loans and leases to core deposits | 66.0329% | 4,274 |
| Total domestic deposits to total assets | 88.4902% | 832 |
| Equity capital to assets | 11.3382% | 2,809 |
| Core capital (leverage) ratio | 11.1852% | 2,483 |
| Tier 1 risk-based capital ratio | 19.4451% | 1,471 |
| Total risk-based capital ratio | 20.6992% | 1,443 |
| Memoranda: | ||
| Average total assets | $104,142,750 | 3,974 |
| Average earning assets | $97,249,250 | 3,958 |
| Average equity | $11,086,750 | 4,148 |
| Average total loans | $56,715,250 | 4,084 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9130% | 4,529 |
| Cost of funding earning assets | 0.7999% | 2,644 |
| Net interest margin | 3.1130% | 4,509 |
| Noninterest income to average assets | 0.3282% | 3,748 |
| Noninterest expense to average assets | 2.5133% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5701% | 4,385 |
| Return on assets (ROA) | 0.5311% | 4,487 |
| Pretax return on assets | 0.6961% | 4,338 |
| Return on Equity (ROE) | 5.0940% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.0940% | 2,720 |
| Net charge-offs to loans | -0.0957% | 4,994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1246% | 1,257 |
| Assets per employee ($millions) | 4.2796% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7173% | 790 |
| Loan loss allowance to noncurrent loans | 7,071.4286% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 4,728 |
| Noncurrent loans to loans | 0.0243% | 4,603 |
| Net loans and leases to total assets | 55.1631% | 4,128 |
| Net loans and leases to deposits | 62.0325% | 4,332 |
| Net loans and leases to core deposits | 66.5000% | 4,291 |
| Total domestic deposits to total assets | 88.9261% | 689 |
| Equity capital to assets | 10.9288% | 3,150 |
| Core capital (leverage) ratio | 10.6895% | 2,899 |
| Tier 1 risk-based capital ratio | 19.6587% | 1,411 |
| Total risk-based capital ratio | 20.9143% | 1,382 |
| Memoranda: | ||
| Average total assets | $105,439,000 | 3,967 |
| Average earning assets | $99,259,670 | 3,937 |
| Average equity | $10,993,330 | 4,174 |
| Average total loans | $56,429,670 | 4,118 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8144% | 4,690 |
| Cost of funding earning assets | 0.8228% | 2,407 |
| Net interest margin | 2.9916% | 4,763 |
| Noninterest income to average assets | 0.2884% | 3,944 |
| Noninterest expense to average assets | 2.3969% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5338% | 4,429 |
| Return on assets (ROA) | 0.4569% | 4,642 |
| Pretax return on assets | 0.5992% | 4,513 |
| Return on Equity (ROE) | 4.4863% | 4,472 |
| Retained earnings to average equity (ytd only) | 4.4863% | 3,128 |
| Net charge-offs to loans | -0.0358% | 4,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4818% | 1,330 |
| Assets per employee ($millions) | 4.5773% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7455% | 782 |
| Loan loss allowance to noncurrent loans | 9,680.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,828 |
| Noncurrent loans to loans | 0.0180% | 4,701 |
| Net loans and leases to total assets | 51.7568% | 4,354 |
| Net loans and leases to deposits | 57.8576% | 4,515 |
| Net loans and leases to core deposits | 61.8542% | 4,491 |
| Total domestic deposits to total assets | 89.4554% | 664 |
| Equity capital to assets | 10.4344% | 3,392 |
| Core capital (leverage) ratio | 10.3505% | 3,217 |
| Tier 1 risk-based capital ratio | 19.1540% | 1,515 |
| Total risk-based capital ratio | 20.4091% | 1,483 |
| Memoranda: | ||
| Average total assets | $106,803,500 | 3,986 |
| Average earning assets | $100,147,000 | 3,965 |
| Average equity | $10,877,500 | 4,213 |
| Average total loans | $55,820,500 | 4,170 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6785% | 4,695 |
| Cost of funding earning assets | 0.5989% | 2,732 |
| Net interest margin | 3.0796% | 4,680 |
| Noninterest income to average assets | 0.4914% | 2,877 |
| Noninterest expense to average assets | 2.3928% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9034% | 3,427 |
| Return on assets (ROA) | 0.9034% | 3,419 |
| Pretax return on assets | 0.9998% | 3,601 |
| Return on Equity (ROE) | 9.2756% | 2,846 |
| Retained earnings to average equity (ytd only) | 9.2756% | 788 |
| Net charge-offs to loans | 0.0967% | 1,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 19.2364% | 2,079 |
| Efficiency ratio | 70.5292% | 2,104 |
| Assets per employee ($millions) | 4.7100% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7140% | 808 |
| Loan loss allowance to noncurrent loans | 740.7692% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 4,227 |
| Noncurrent loans to loans | 0.2314% | 3,755 |
| Net loans and leases to total assets | 50.9757% | 4,456 |
| Net loans and leases to deposits | 56.6542% | 4,637 |
| Net loans and leases to core deposits | 60.1521% | 4,621 |
| Total domestic deposits to total assets | 89.9769% | 487 |
| Equity capital to assets | 9.9418% | 3,735 |
| Core capital (leverage) ratio | 10.2251% | 3,330 |
| Tier 1 risk-based capital ratio | 17.2058% | 1,993 |
| Total risk-based capital ratio | 18.4581% | 1,941 |
| Memoranda: | ||
| Average total assets | $105,818,000 | 4,007 |
| Average earning assets | $99,687,000 | 3,980 |
| Average equity | $10,306,600 | 4,264 |
| Average total loans | $56,877,600 | 4,165 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6555% | 4,718 |
| Cost of funding earning assets | 0.5293% | 2,999 |
| Net interest margin | 3.1262% | 4,661 |
| Noninterest income to average assets | 0.4474% | 3,185 |
| Noninterest expense to average assets | 2.2853% | 4,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0305% | 2,960 |
| Return on assets (ROA) | 1.0305% | 2,973 |
| Pretax return on assets | 1.1040% | 3,380 |
| Return on Equity (ROE) | 10.6368% | 2,331 |
| Retained earnings to average equity (ytd only) | 10.6368% | 736 |
| Net charge-offs to loans | -0.0280% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4271% | 2,641 |
| Assets per employee ($millions) | 4.4053% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8141% | 704 |
| Loan loss allowance to noncurrent loans | 4,681.8182% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 4,882 |
| Noncurrent loans to loans | 0.0387% | 4,722 |
| Net loans and leases to total assets | 55.0201% | 4,291 |
| Net loans and leases to deposits | 61.5110% | 4,471 |
| Net loans and leases to core deposits | 65.4097% | 4,438 |
| Total domestic deposits to total assets | 89.4476% | 690 |
| Equity capital to assets | 10.4300% | 3,207 |
| Core capital (leverage) ratio | 10.2929% | 3,298 |
| Tier 1 risk-based capital ratio | 17.1060% | 2,062 |
| Total risk-based capital ratio | 18.3595% | 2,002 |
| Memoranda: | ||
| Average total assets | $105,190,000 | 4,051 |
| Average earning assets | $98,990,000 | 4,028 |
| Average equity | $10,190,750 | 4,320 |
| Average total loans | $57,050,750 | 4,206 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 4,849 |
| Cost of funding earning assets | 0.4645% | 3,259 |
| Net interest margin | 3.0859% | 4,756 |
| Noninterest income to average assets | 0.3475% | 3,848 |
| Noninterest expense to average assets | 2.2371% | 4,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0594% | 2,758 |
| Return on assets (ROA) | 1.0594% | 2,759 |
| Pretax return on assets | 1.0180% | 3,608 |
| Return on Equity (ROE) | 11.2072% | 2,034 |
| Retained earnings to average equity (ytd only) | 11.2072% | 631 |
| Net charge-offs to loans | -0.0315% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7248% | 2,526 |
| Assets per employee ($millions) | 4.6288% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 801 |
| Loan loss allowance to noncurrent loans | 51,350.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,059 |
| Noncurrent loans to loans | 0.0034% | 4,957 |
| Net loans and leases to total assets | 53.6703% | 4,365 |
| Net loans and leases to deposits | 59.5068% | 4,556 |
| Net loans and leases to core deposits | 62.6627% | 4,576 |
| Total domestic deposits to total assets | 90.1919% | 508 |
| Equity capital to assets | 9.7189% | 3,902 |
| Core capital (leverage) ratio | 9.7273% | 3,856 |
| Tier 1 risk-based capital ratio | 16.4875% | 2,257 |
| Total risk-based capital ratio | 17.7416% | 2,205 |
| Memoranda: | ||
| Average total assets | $106,479,000 | 4,072 |
| Average earning assets | $100,326,330 | 4,042 |
| Average equity | $10,065,000 | 4,372 |
| Average total loans | $57,141,670 | 4,239 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4528% | 4,947 |
| Cost of funding earning assets | 0.4261% | 3,395 |
| Net interest margin | 3.0266% | 4,842 |
| Noninterest income to average assets | 0.3005% | 4,151 |
| Noninterest expense to average assets | 2.2425% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7287% | 3,989 |
| Return on assets (ROA) | 0.7287% | 3,997 |
| Pretax return on assets | 0.9128% | 3,809 |
| Return on Equity (ROE) | 7.8194% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.8194% | 1,911 |
| Net charge-offs to loans | -0.0424% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0714% | 2,321 |
| Assets per employee ($millions) | 4.9218% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8504% | 711 |
| Loan loss allowance to noncurrent loans | 12,800.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 5,094 |
| Noncurrent loans to loans | 0.0145% | 4,928 |
| Net loans and leases to total assets | 50.1625% | 4,546 |
| Net loans and leases to deposits | 55.3054% | 4,733 |
| Net loans and leases to core deposits | 58.0082% | 4,754 |
| Total domestic deposits to total assets | 90.7010% | 411 |
| Equity capital to assets | 9.2252% | 4,336 |
| Core capital (leverage) ratio | 9.4576% | 4,113 |
| Tier 1 risk-based capital ratio | 16.0655% | 2,439 |
| Total risk-based capital ratio | 17.3197% | 2,387 |
| Memoranda: | ||
| Average total assets | $106,487,000 | 4,118 |
| Average earning assets | $100,441,500 | 4,090 |
| Average equity | $9,924,000 | 4,438 |
| Average total loans | $56,629,500 | 4,289 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5729% | 4,631 |
| Cost of funding earning assets | 0.3321% | 3,851 |
| Net interest margin | 3.2408% | 4,331 |
| Noninterest income to average assets | 0.5845% | 2,526 |
| Noninterest expense to average assets | 3.0134% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3767% | 4,765 |
| Return on assets (ROA) | 0.3773% | 4,777 |
| Pretax return on assets | 0.6095% | 4,724 |
| Return on Equity (ROE) | 3.8127% | 4,556 |
| Retained earnings to average equity (ytd only) | 3.8127% | 2,935 |
| Net charge-offs to loans | -0.0398% | 5,126 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1998% | 843 |
| Assets per employee ($millions) | 4.7588% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7576% | 843 |
| Loan loss allowance to noncurrent loans | 683.2215% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 4,434 |
| Noncurrent loans to loans | 0.2573% | 3,863 |
| Net loans and leases to total assets | 54.3498% | 4,330 |
| Net loans and leases to deposits | 60.0469% | 4,562 |
| Net loans and leases to core deposits | 60.7300% | 4,718 |
| Total domestic deposits to total assets | 90.5124% | 394 |
| Equity capital to assets | 9.4170% | 4,310 |
| Core capital (leverage) ratio | 10.0293% | 3,418 |
| Tier 1 risk-based capital ratio | 15.0048% | 2,854 |
| Total risk-based capital ratio | 16.2574% | 2,777 |
| Memoranda: | ||
| Average total assets | $99,920,200 | 4,236 |
| Average earning assets | $93,650,600 | 4,206 |
| Average equity | $9,888,000 | 4,469 |
| Average total loans | $57,790,800 | 4,250 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 4,524 |
| Cost of funding earning assets | 0.3206% | 3,930 |
| Net interest margin | 3.2930% | 4,193 |
| Noninterest income to average assets | 0.6631% | 2,151 |
| Noninterest expense to average assets | 2.7172% | 2,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7836% | 3,587 |
| Return on assets (ROA) | 0.7846% | 3,640 |
| Pretax return on assets | 1.0264% | 3,580 |
| Return on Equity (ROE) | 7.8285% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.8285% | 1,289 |
| Net charge-offs to loans | -0.0900% | 5,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6092% | 2,118 |
| Assets per employee ($millions) | 4.2741% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 982 |
| Loan loss allowance to noncurrent loans | 10,340.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 5,209 |
| Noncurrent loans to loans | 0.0167% | 5,067 |
| Net loans and leases to total assets | 62.6321% | 3,590 |
| Net loans and leases to deposits | 70.2780% | 3,938 |
| Net loans and leases to core deposits | 71.1810% | 4,175 |
| Total domestic deposits to total assets | 89.1205% | 820 |
| Equity capital to assets | 10.7774% | 3,087 |
| Core capital (leverage) ratio | 10.5305% | 2,954 |
| Tier 1 risk-based capital ratio | 14.8392% | 2,996 |
| Total risk-based capital ratio | 16.0911% | 2,921 |
| Memoranda: | ||
| Average total assets | $98,726,750 | 4,301 |
| Average earning assets | $92,314,500 | 4,272 |
| Average equity | $9,895,250 | 4,514 |
| Average total loans | $57,758,750 | 4,292 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5129% | 4,734 |
| Cost of funding earning assets | 0.2965% | 4,111 |
| Net interest margin | 3.2165% | 4,362 |
| Noninterest income to average assets | 0.8116% | 1,530 |
| Noninterest expense to average assets | 2.4468% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0350% | 2,276 |
| Return on assets (ROA) | 1.0350% | 2,317 |
| Pretax return on assets | 1.3720% | 2,133 |
| Return on Equity (ROE) | 10.5749% | 1,803 |
| Retained earnings to average equity (ytd only) | 10.5749% | 498 |
| Net charge-offs to loans | -0.2525% | 5,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0731% | 3,655 |
| Assets per employee ($millions) | 4.5308% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8623% | 775 |
| Loan loss allowance to noncurrent loans | 11,855.5556% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 5,259 |
| Noncurrent loans to loans | 0.0157% | 5,110 |
| Net loans and leases to total assets | 56.4086% | 4,183 |
| Net loans and leases to deposits | 62.8059% | 4,445 |
| Net loans and leases to core deposits | 63.5592% | 4,636 |
| Total domestic deposits to total assets | 89.8142% | 598 |
| Equity capital to assets | 10.0975% | 3,797 |
| Core capital (leverage) ratio | 9.9003% | 3,656 |
| Tier 1 risk-based capital ratio | 15.2778% | 2,814 |
| Total risk-based capital ratio | 16.5323% | 2,746 |
| Memoranda: | ||
| Average total assets | $100,292,330 | 4,302 |
| Average earning assets | $93,767,670 | 4,271 |
| Average equity | $9,815,670 | 4,538 |
| Average total loans | $57,036,000 | 4,332 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4118% | 4,904 |
| Cost of funding earning assets | 0.2811% | 4,247 |
| Net interest margin | 3.1307% | 4,561 |
| Noninterest income to average assets | 1.1928% | 719 |
| Noninterest expense to average assets | 2.3102% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4314% | 937 |
| Return on assets (ROA) | 1.4314% | 962 |
| Pretax return on assets | 1.8052% | 789 |
| Return on Equity (ROE) | 14.8591% | 665 |
| Retained earnings to average equity (ytd only) | 14.8591% | 240 |
| Net charge-offs to loans | -0.1195% | 5,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1353% | 4,925 |
| Assets per employee ($millions) | 4.6410% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8060% | 949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 53.8917% | 4,342 |
| Net loans and leases to deposits | 59.7146% | 4,583 |
| Net loans and leases to core deposits | 60.2158% | 4,764 |
| Total domestic deposits to total assets | 90.2489% | 558 |
| Equity capital to assets | 9.6826% | 4,085 |
| Core capital (leverage) ratio | 9.7044% | 3,871 |
| Tier 1 risk-based capital ratio | 15.2901% | 2,839 |
| Total risk-based capital ratio | 16.5424% | 2,769 |
| Memoranda: | ||
| Average total assets | $100,599,500 | 4,338 |
| Average earning assets | $93,908,500 | 4,311 |
| Average equity | $9,691,000 | 4,590 |
| Average total loans | $56,907,000 | 4,380 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5688% | 4,594 |
| Cost of funding earning assets | 0.2860% | 4,207 |
| Net interest margin | 3.2828% | 4,197 |
| Noninterest income to average assets | 0.4067% | 3,824 |
| Noninterest expense to average assets | 2.8368% | 2,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5272% | 4,523 |
| Return on assets (ROA) | 0.6228% | 4,230 |
| Pretax return on assets | 0.7502% | 4,341 |
| Return on Equity (ROE) | 6.5571% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.5571% | 1,427 |
| Net charge-offs to loans | 0.1478% | 1,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.4167% | 3,021 |
| Efficiency ratio | 81.7087% | 1,238 |
| Assets per employee ($millions) | 4.5045% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7221% | 1,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 57.2998% | 4,139 |
| Net loans and leases to deposits | 63.4185% | 4,449 |
| Net loans and leases to core deposits | 63.9657% | 4,636 |
| Total domestic deposits to total assets | 90.3520% | 492 |
| Equity capital to assets | 9.5824% | 4,183 |
| Core capital (leverage) ratio | 9.5313% | 4,040 |
| Tier 1 risk-based capital ratio | 14.4383% | 3,219 |
| Total risk-based capital ratio | 15.6913% | 3,148 |
| Memoranda: | ||
| Average total assets | $98,104,400 | 4,385 |
| Average earning assets | $91,599,800 | 4,357 |
| Average equity | $9,318,200 | 4,684 |
| Average total loans | $56,829,600 | 4,386 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5672% | 4,643 |
| Cost of funding earning assets | 0.2970% | 4,133 |
| Net interest margin | 3.2701% | 4,281 |
| Noninterest income to average assets | 0.4210% | 3,766 |
| Noninterest expense to average assets | 2.6065% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5929% | 4,321 |
| Return on assets (ROA) | 0.6976% | 3,990 |
| Pretax return on assets | 1.0287% | 3,519 |
| Return on Equity (ROE) | 7.3611% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.3611% | 1,455 |
| Net charge-offs to loans | -0.1673% | 5,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8728% | 2,128 |
| Assets per employee ($millions) | 4.3180% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9834% | 747 |
| Loan loss allowance to noncurrent loans | 489.3617% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 4,448 |
| Noncurrent loans to loans | 0.4053% | 3,822 |
| Net loans and leases to total assets | 59.8246% | 3,899 |
| Net loans and leases to deposits | 66.5960% | 4,294 |
| Net loans and leases to core deposits | 67.1984% | 4,534 |
| Total domestic deposits to total assets | 89.8322% | 545 |
| Equity capital to assets | 9.9899% | 4,130 |
| Core capital (leverage) ratio | 9.6932% | 3,944 |
| Tier 1 risk-based capital ratio | 14.3688% | 3,351 |
| Total risk-based capital ratio | 15.6242% | 3,277 |
| Memoranda: | ||
| Average total assets | $97,856,000 | 4,417 |
| Average earning assets | $91,573,750 | 4,391 |
| Average equity | $9,273,750 | 4,749 |
| Average total loans | $56,592,500 | 4,423 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4849% | 4,911 |
| Cost of funding earning assets | 0.3019% | 4,104 |
| Net interest margin | 3.1830% | 4,601 |
| Noninterest income to average assets | 0.3481% | 4,290 |
| Noninterest expense to average assets | 2.3965% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6361% | 4,114 |
| Return on assets (ROA) | 0.6416% | 4,226 |
| Pretax return on assets | 0.9473% | 3,782 |
| Return on Equity (ROE) | 6.8901% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.8901% | 1,664 |
| Net charge-offs to loans | -0.0321% | 5,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8447% | 2,683 |
| Assets per employee ($millions) | 4.5389% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 816 |
| Loan loss allowance to noncurrent loans | 1,016.8224% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 5,080 |
| Noncurrent loans to loans | 0.1917% | 4,670 |
| Net loans and leases to total assets | 54.7949% | 4,431 |
| Net loans and leases to deposits | 60.6077% | 4,761 |
| Net loans and leases to core deposits | 61.1250% | 4,923 |
| Total domestic deposits to total assets | 90.4092% | 348 |
| Equity capital to assets | 9.4736% | 4,793 |
| Core capital (leverage) ratio | 9.1608% | 4,644 |
| Tier 1 risk-based capital ratio | 15.8225% | 2,727 |
| Total risk-based capital ratio | 17.0785% | 2,665 |
| Memoranda: | ||
| Average total assets | $98,809,330 | 4,440 |
| Average earning assets | $92,743,670 | 4,409 |
| Average equity | $9,201,670 | 4,800 |
| Average total loans | $56,129,670 | 4,467 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4797% | 4,937 |
| Cost of funding earning assets | 0.3077% | 4,084 |
| Net interest margin | 3.1720% | 4,666 |
| Noninterest income to average assets | 0.2971% | 4,600 |
| Noninterest expense to average assets | 2.3523% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6267% | 4,073 |
| Return on assets (ROA) | 0.6267% | 4,190 |
| Pretax return on assets | 0.9238% | 3,751 |
| Return on Equity (ROE) | 6.7897% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.7897% | 1,982 |
| Net charge-offs to loans | -0.0355% | 5,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8012% | 2,828 |
| Assets per employee ($millions) | 4.7243% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9795% | 845 |
| Loan loss allowance to noncurrent loans | 1,003.7037% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 5,140 |
| Noncurrent loans to loans | 0.1972% | 4,711 |
| Net loans and leases to total assets | 54.1049% | 4,441 |
| Net loans and leases to deposits | 60.1427% | 4,707 |
| Net loans and leases to core deposits | 60.8339% | 4,883 |
| Total domestic deposits to total assets | 89.9608% | 612 |
| Equity capital to assets | 9.2631% | 4,930 |
| Core capital (leverage) ratio | 9.1467% | 4,664 |
| Tier 1 risk-based capital ratio | 15.8792% | 2,746 |
| Total risk-based capital ratio | 17.1378% | 2,670 |
| Memoranda: | ||
| Average total assets | $98,286,000 | 4,495 |
| Average earning assets | $92,307,500 | 4,454 |
| Average equity | $9,072,500 | 4,850 |
| Average total loans | $56,292,500 | 4,491 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6120% | 4,637 |
| Cost of funding earning assets | 0.3088% | 4,157 |
| Net interest margin | 3.3032% | 4,287 |
| Noninterest income to average assets | 0.3618% | 4,316 |
| Noninterest expense to average assets | 2.4603% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6705% | 3,947 |
| Return on assets (ROA) | 0.7134% | 3,858 |
| Pretax return on assets | 1.0752% | 3,171 |
| Return on Equity (ROE) | 8.1085% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.1085% | 875 |
| Net charge-offs to loans | 0.2326% | 1,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 7.4179% | 3,081 |
| Efficiency ratio | 70.8931% | 3,087 |
| Assets per employee ($millions) | 4.6362% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 1,020 |
| Loan loss allowance to noncurrent loans | 877.2358% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 5,092 |
| Noncurrent loans to loans | 0.2127% | 4,658 |
| Net loans and leases to total assets | 58.2821% | 4,043 |
| Net loans and leases to deposits | 64.2191% | 4,456 |
| Net loans and leases to core deposits | 64.9676% | 4,674 |
| Total domestic deposits to total assets | 90.7550% | 353 |
| Equity capital to assets | 9.1977% | 4,917 |
| Core capital (leverage) ratio | 9.1216% | 4,727 |
| Tier 1 risk-based capital ratio | 14.7686% | 3,290 |
| Total risk-based capital ratio | 16.0255% | 3,221 |
| Memoranda: | ||
| Average total assets | $98,401,400 | 4,490 |
| Average earning assets | $92,607,400 | 4,460 |
| Average equity | $8,657,600 | 4,920 |
| Average total loans | $57,613,600 | 4,438 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6082% | 4,710 |
| Cost of funding earning assets | 0.3112% | 4,212 |
| Net interest margin | 3.2970% | 4,357 |
| Noninterest income to average assets | 0.3703% | 4,282 |
| Noninterest expense to average assets | 2.5190% | 4,135 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6348% | 4,217 |
| Return on assets (ROA) | 0.6919% | 4,047 |
| Pretax return on assets | 1.0446% | 3,434 |
| Return on Equity (ROE) | 7.9533% | 3,097 |
| Retained earnings to average equity (ytd only) | 7.9533% | 1,254 |
| Net charge-offs to loans | 0.0463% | 2,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 35.4447% | 1,349 |
| Efficiency ratio | 72.4446% | 2,797 |
| Assets per employee ($millions) | 4.4723% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0128% | 900 |
| Loan loss allowance to noncurrent loans | 1,002.5210% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 5,246 |
| Noncurrent loans to loans | 0.2008% | 4,844 |
| Net loans and leases to total assets | 61.8373% | 3,634 |
| Net loans and leases to deposits | 68.9251% | 4,098 |
| Net loans and leases to core deposits | 69.7672% | 4,391 |
| Total domestic deposits to total assets | 89.7167% | 686 |
| Equity capital to assets | 9.4262% | 4,850 |
| Core capital (leverage) ratio | 8.9602% | 5,038 |
| Tier 1 risk-based capital ratio | 13.4061% | 4,191 |
| Total risk-based capital ratio | 15.1235% | 3,864 |
| Memoranda: | ||
| Average total assets | $98,661,500 | 4,536 |
| Average earning assets | $92,970,000 | 4,500 |
| Average equity | $8,583,250 | 4,998 |
| Average total loans | $57,561,250 | 4,484 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 4,897 |
| Cost of funding earning assets | 0.3130% | 4,244 |
| Net interest margin | 3.2213% | 4,596 |
| Noninterest income to average assets | 0.3492% | 4,463 |
| Noninterest expense to average assets | 2.4560% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6071% | 4,311 |
| Return on assets (ROA) | 0.6823% | 4,088 |
| Pretax return on assets | 1.0475% | 3,386 |
| Return on Equity (ROE) | 8.0534% | 3,019 |
| Retained earnings to average equity (ytd only) | 8.0534% | 1,245 |
| Net charge-offs to loans | -0.1404% | 5,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4971% | 2,933 |
| Assets per employee ($millions) | 4.6607% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2107% | 725 |
| Loan loss allowance to noncurrent loans | 684.6995% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 5,120 |
| Noncurrent loans to loans | 0.3229% | 4,539 |
| Net loans and leases to total assets | 56.6304% | 4,264 |
| Net loans and leases to deposits | 62.4037% | 4,672 |
| Net loans and leases to core deposits | 63.1258% | 4,865 |
| Total domestic deposits to total assets | 90.7484% | 375 |
| Equity capital to assets | 8.8215% | 5,411 |
| Core capital (leverage) ratio | 8.5366% | 5,501 |
| Tier 1 risk-based capital ratio | 14.0836% | 3,871 |
| Total risk-based capital ratio | 15.8370% | 3,515 |
| Memoranda: | ||
| Average total assets | $100,242,330 | 4,548 |
| Average earning assets | $94,556,670 | 4,508 |
| Average equity | $8,493,330 | 5,057 |
| Average total loans | $56,991,670 | 4,540 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4409% | 5,113 |
| Cost of funding earning assets | 0.3166% | 4,259 |
| Net interest margin | 3.1243% | 4,868 |
| Noninterest income to average assets | 0.2840% | 4,905 |
| Noninterest expense to average assets | 2.3781% | 4,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5916% | 4,322 |
| Return on assets (ROA) | 0.5916% | 4,420 |
| Pretax return on assets | 0.8637% | 4,010 |
| Return on Equity (ROE) | 7.1234% | 3,443 |
| Retained earnings to average equity (ytd only) | 7.1234% | 1,964 |
| Net charge-offs to loans | -0.0420% | 5,437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3577% | 2,931 |
| Assets per employee ($millions) | 4.8717% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1872% | 823 |
| Loan loss allowance to noncurrent loans | 3,207.8947% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 5,788 |
| Noncurrent loans to loans | 0.0682% | 5,500 |
| Net loans and leases to total assets | 53.2852% | 4,517 |
| Net loans and leases to deposits | 59.4852% | 4,781 |
| Net loans and leases to core deposits | 60.1514% | 4,987 |
| Total domestic deposits to total assets | 89.5773% | 954 |
| Equity capital to assets | 8.3719% | 5,824 |
| Core capital (leverage) ratio | 8.0854% | 5,886 |
| Tier 1 risk-based capital ratio | 14.2541% | 3,848 |
| Total risk-based capital ratio | 16.5359% | 3,199 |
| Memoranda: | ||
| Average total assets | $101,426,000 | 4,568 |
| Average earning assets | $96,022,000 | 4,506 |
| Average equity | $8,423,000 | 5,108 |
| Average total loans | $57,147,500 | 4,574 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5781% | 5,139 |
| Cost of funding earning assets | 0.3560% | 4,189 |
| Net interest margin | 3.2220% | 4,853 |
| Noninterest income to average assets | 0.2581% | 5,282 |
| Noninterest expense to average assets | 2.2777% | 5,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6410% | 4,188 |
| Return on assets (ROA) | 0.5458% | 4,699 |
| Pretax return on assets | 0.8542% | 4,057 |
| Return on Equity (ROE) | 7.0256% | 3,615 |
| Retained earnings to average equity (ytd only) | 7.0256% | 1,400 |
| Net charge-offs to loans | -0.2615% | 6,309 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4294% | 3,640 |
| Assets per employee ($millions) | 4.7879% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0713% | 993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 57.0376% | 4,187 |
| Net loans and leases to deposits | 62.7492% | 4,662 |
| Net loans and leases to core deposits | 63.4539% | 4,875 |
| Total domestic deposits to total assets | 90.8977% | 407 |
| Equity capital to assets | 8.2360% | 5,940 |
| Core capital (leverage) ratio | 8.0765% | 5,949 |
| Tier 1 risk-based capital ratio | 14.6790% | 3,673 |
| Total risk-based capital ratio | 17.0107% | 3,026 |
| Memoranda: | ||
| Average total assets | $101,503,800 | 4,567 |
| Average earning assets | $95,219,200 | 4,526 |
| Average equity | $7,885,400 | 5,231 |
| Average total loans | $56,972,200 | 4,584 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5222% | 5,342 |
| Cost of funding earning assets | 0.3595% | 4,238 |
| Net interest margin | 3.1627% | 5,085 |
| Noninterest income to average assets | 0.2700% | 5,277 |
| Noninterest expense to average assets | 2.3169% | 5,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5951% | 4,461 |
| Return on assets (ROA) | 0.4665% | 5,085 |
| Pretax return on assets | 0.7181% | 4,642 |
| Return on Equity (ROE) | 6.0958% | 4,185 |
| Retained earnings to average equity (ytd only) | 6.0958% | 2,349 |
| Net charge-offs to loans | -0.1438% | 6,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6660% | 3,241 |
| Assets per employee ($millions) | 4.5027% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9524% | 1,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 57.0317% | 4,197 |
| Net loans and leases to deposits | 63.6262% | 4,583 |
| Net loans and leases to core deposits | 64.3612% | 4,849 |
| Total domestic deposits to total assets | 89.6355% | 920 |
| Equity capital to assets | 8.1356% | 6,053 |
| Core capital (leverage) ratio | 8.0197% | 6,054 |
| Tier 1 risk-based capital ratio | 14.4977% | 3,885 |
| Total risk-based capital ratio | 17.4673% | 2,904 |
| Memoranda: | ||
| Average total assets | $101,743,250 | 4,608 |
| Average earning assets | $95,317,500 | 4,568 |
| Average equity | $7,786,500 | 5,293 |
| Average total loans | $56,574,750 | 4,643 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4643% | 5,491 |
| Cost of funding earning assets | 0.3646% | 4,264 |
| Net interest margin | 3.0998% | 5,253 |
| Noninterest income to average assets | 0.2572% | 5,357 |
| Noninterest expense to average assets | 2.2779% | 5,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5958% | 4,373 |
| Return on assets (ROA) | 0.3878% | 5,338 |
| Pretax return on assets | 0.5729% | 5,043 |
| Return on Equity (ROE) | 5.1717% | 4,593 |
| Retained earnings to average equity (ytd only) | 5.1717% | 2,848 |
| Net charge-offs to loans | -0.1956% | 6,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1605% | 3,303 |
| Assets per employee ($millions) | 4.6004% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9975% | 1,366 |
| Loan loss allowance to noncurrent loans | 4,476.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 6,145 |
| Noncurrent loans to loans | 0.0446% | 5,919 |
| Net loans and leases to total assets | 54.2467% | 4,510 |
| Net loans and leases to deposits | 59.5550% | 4,903 |
| Net loans and leases to core deposits | 60.2167% | 5,120 |
| Total domestic deposits to total assets | 91.0867% | 387 |
| Equity capital to assets | 7.8334% | 6,240 |
| Core capital (leverage) ratio | 7.5585% | 6,296 |
| Tier 1 risk-based capital ratio | 14.8229% | 3,742 |
| Total risk-based capital ratio | 17.8658% | 2,743 |
| Memoranda: | ||
| Average total assets | $102,638,000 | 4,619 |
| Average earning assets | $96,007,000 | 4,580 |
| Average equity | $7,695,670 | 5,346 |
| Average total loans | $56,226,330 | 4,678 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3851% | 5,679 |
| Cost of funding earning assets | 0.3651% | 4,380 |
| Net interest margin | 3.0200% | 5,478 |
| Noninterest income to average assets | 0.2090% | 5,691 |
| Noninterest expense to average assets | 2.2563% | 5,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5315% | 4,546 |
| Return on assets (ROA) | 0.1122% | 6,035 |
| Pretax return on assets | 0.1625% | 5,992 |
| Return on Equity (ROE) | 1.5304% | 5,917 |
| Retained earnings to average equity (ytd only) | 1.5304% | 4,998 |
| Net charge-offs to loans | -0.0142% | 5,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5524% | 3,039 |
| Assets per employee ($millions) | 4.7555% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9895% | 1,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 50.1945% | 4,888 |
| Net loans and leases to deposits | 54.7523% | 5,212 |
| Net loans and leases to core deposits | 56.3661% | 5,328 |
| Total domestic deposits to total assets | 91.6757% | 333 |
| Equity capital to assets | 7.3446% | 6,363 |
| Core capital (leverage) ratio | 7.8566% | 6,202 |
| Tier 1 risk-based capital ratio | 14.6841% | 3,899 |
| Total risk-based capital ratio | 17.7494% | 2,867 |
| Memoranda: | ||
| Average total assets | $103,353,000 | 4,644 |
| Average earning assets | $96,423,500 | 4,610 |
| Average equity | $7,579,500 | 5,402 |
| Average total loans | $56,329,000 | 4,716 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 4,965 |
| Cost of funding earning assets | 0.4610% | 4,014 |
| Net interest margin | 3.2918% | 4,693 |
| Noninterest income to average assets | 0.2492% | 5,563 |
| Noninterest expense to average assets | 2.4248% | 5,009 |
| Loan and lease loss provision to assets | 0.0295% | 4,520 |
| Net operating income to assets | 0.6423% | 4,064 |
| Return on assets (ROA) | 0.3339% | 5,503 |
| Pretax return on assets | 0.4609% | 5,320 |
| Return on Equity (ROE) | 4.5157% | 4,885 |
| Retained earnings to average equity (ytd only) | 4.5157% | 2,962 |
| Net charge-offs to loans | -0.1599% | 6,582 |
| Credit loss provision to net charge-offs | -32.2581% | 5,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5184% | 3,383 |
| Assets per employee ($millions) | 4.4385% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8010% | 2,065 |
| Loan loss allowance to noncurrent loans | 3,040.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 6,275 |
| Noncurrent loans to loans | 0.0592% | 6,052 |
| Net loans and leases to total assets | 56.8291% | 4,214 |
| Net loans and leases to deposits | 61.9794% | 4,722 |
| Net loans and leases to core deposits | 63.8520% | 4,881 |
| Total domestic deposits to total assets | 91.6903% | 357 |
| Equity capital to assets | 7.3223% | 6,358 |
| Core capital (leverage) ratio | 7.9421% | 6,177 |
| Tier 1 risk-based capital ratio | 13.4823% | 4,665 |
| Total risk-based capital ratio | 16.4040% | 3,520 |
| Memoranda: | ||
| Average total assets | $101,533,600 | 4,703 |
| Average earning assets | $95,449,400 | 4,637 |
| Average equity | $7,507,200 | 5,458 |
| Average total loans | $58,166,200 | 4,681 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7644% | 4,983 |
| Cost of funding earning assets | 0.4836% | 3,927 |
| Net interest margin | 3.2807% | 4,715 |
| Noninterest income to average assets | 0.2485% | 5,653 |
| Noninterest expense to average assets | 2.4458% | 4,886 |
| Loan and lease loss provision to assets | 0.0394% | 4,220 |
| Net operating income to assets | 0.6130% | 4,296 |
| Return on assets (ROA) | 0.3024% | 5,725 |
| Pretax return on assets | 0.4182% | 5,578 |
| Return on Equity (ROE) | 4.0805% | 5,183 |
| Retained earnings to average equity (ytd only) | 4.0805% | 3,785 |
| Net charge-offs to loans | -0.2301% | 6,675 |
| Credit loss provision to net charge-offs | -30.0000% | 5,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3438% | 3,169 |
| Assets per employee ($millions) | 4.2351% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7753% | 2,384 |
| Loan loss allowance to noncurrent loans | 437.1429% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 5,685 |
| Noncurrent loans to loans | 0.4061% | 5,176 |
| Net loans and leases to total assets | 60.8328% | 3,556 |
| Net loans and leases to deposits | 66.8050% | 4,201 |
| Net loans and leases to core deposits | 69.2073% | 4,406 |
| Total domestic deposits to total assets | 91.0603% | 507 |
| Equity capital to assets | 7.6770% | 6,315 |
| Core capital (leverage) ratio | 7.6167% | 6,399 |
| Tier 1 risk-based capital ratio | 12.8368% | 5,235 |
| Total risk-based capital ratio | 15.7011% | 4,069 |
| Memoranda: | ||
| Average total assets | $101,395,750 | 4,753 |
| Average earning assets | $95,383,500 | 4,685 |
| Average equity | $7,515,250 | 5,517 |
| Average total loans | $57,938,250 | 4,734 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 5,107 |
| Cost of funding earning assets | 0.4980% | 3,919 |
| Net interest margin | 3.2152% | 4,891 |
| Noninterest income to average assets | 0.2531% | 5,637 |
| Noninterest expense to average assets | 2.4551% | 4,882 |
| Loan and lease loss provision to assets | 0.0584% | 3,835 |
| Net operating income to assets | 0.5460% | 4,572 |
| Return on assets (ROA) | 0.5004% | 4,967 |
| Pretax return on assets | 0.7048% | 4,671 |
| Return on Equity (ROE) | 6.8281% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.8281% | 1,967 |
| Net charge-offs to loans | -0.3290% | 6,773 |
| Credit loss provision to net charge-offs | -31.9149% | 5,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7924% | 2,974 |
| Assets per employee ($millions) | 4.1839% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8452% | 2,276 |
| Loan loss allowance to noncurrent loans | 1,224.1379% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 6,238 |
| Noncurrent loans to loans | 0.1507% | 5,945 |
| Net loans and leases to total assets | 56.4190% | 4,219 |
| Net loans and leases to deposits | 62.0151% | 4,741 |
| Net loans and leases to core deposits | 64.1774% | 4,872 |
| Total domestic deposits to total assets | 90.9763% | 551 |
| Equity capital to assets | 7.2600% | 6,522 |
| Core capital (leverage) ratio | 7.5306% | 6,443 |
| Tier 1 risk-based capital ratio | 13.2075% | 4,987 |
| Total risk-based capital ratio | 16.1106% | 3,832 |
| Memoranda: | ||
| Average total assets | $102,725,000 | 4,755 |
| Average earning assets | $96,789,000 | 4,679 |
| Average equity | $7,527,670 | 5,555 |
| Average total loans | $57,142,000 | 4,778 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 5,444 |
| Cost of funding earning assets | 0.5160% | 3,916 |
| Net interest margin | 3.0875% | 5,308 |
| Noninterest income to average assets | 0.2041% | 6,020 |
| Noninterest expense to average assets | 2.4413% | 4,976 |
| Loan and lease loss provision to assets | 0.1155% | 2,790 |
| Net operating income to assets | 0.4565% | 4,883 |
| Return on assets (ROA) | 0.3543% | 5,470 |
| Pretax return on assets | 0.4274% | 5,478 |
| Return on Equity (ROE) | 4.8127% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.8127% | 3,348 |
| Net charge-offs to loans | -0.5910% | 6,873 |
| Credit loss provision to net charge-offs | -35.7143% | 5,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5626% | 2,523 |
| Assets per employee ($millions) | 4.6144% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9152% | 2,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 50.9083% | 4,859 |
| Net loans and leases to deposits | 55.4911% | 5,296 |
| Net loans and leases to core deposits | 57.2503% | 5,411 |
| Total domestic deposits to total assets | 91.7414% | 300 |
| Equity capital to assets | 7.2316% | 6,669 |
| Core capital (leverage) ratio | 7.1480% | 6,600 |
| Tier 1 risk-based capital ratio | 13.2909% | 5,021 |
| Total risk-based capital ratio | 16.2414% | 3,802 |
| Memoranda: | ||
| Average total assets | $103,881,000 | 4,772 |
| Average earning assets | $97,683,500 | 4,696 |
| Average equity | $7,646,500 | 5,597 |
| Average total loans | $56,854,500 | 4,823 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 5,533 |
| Cost of funding earning assets | 0.6458% | 3,951 |
| Net interest margin | 3.2681% | 5,369 |
| Noninterest income to average assets | 0.2437% | 5,707 |
| Noninterest expense to average assets | 2.4543% | 5,239 |
| Loan and lease loss provision to assets | 0.1784% | 3,396 |
| Net operating income to assets | 0.5668% | 4,393 |
| Return on assets (ROA) | 0.5668% | 4,654 |
| Pretax return on assets | 0.6748% | 4,746 |
| Return on Equity (ROE) | 7.0172% | 3,635 |
| Retained earnings to average equity (ytd only) | -5.6309% | 6,462 |
| Net charge-offs to loans | -0.3103% | 6,979 |
| Credit loss provision to net charge-offs | -102.8571% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2061% | 3,037 |
| Assets per employee ($millions) | 4.4187% | 3,111 |
| Cash dividends to net income (ytd only)* | 180.2448% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6051% | 3,287 |
| Loan loss allowance to noncurrent loans | 2,543.2432% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 6,567 |
| Noncurrent loans to loans | 0.0631% | 6,333 |
| Net loans and leases to total assets | 56.7578% | 4,150 |
| Net loans and leases to deposits | 62.7480% | 4,689 |
| Net loans and leases to core deposits | 63.6207% | 5,004 |
| Total domestic deposits to total assets | 90.4536% | 727 |
| Equity capital to assets | 7.4958% | 6,636 |
| Core capital (leverage) ratio | 7.2642% | 6,605 |
| Tier 1 risk-based capital ratio | 12.2430% | 5,635 |
| Total risk-based capital ratio | 15.0768% | 4,468 |
| Memoranda: | ||
| Average total assets | $100,924,600 | 4,813 |
| Average earning assets | $94,611,800 | 4,742 |
| Average equity | $8,151,400 | 5,458 |
| Average total loans | $56,392,200 | 4,854 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 5,747 |
| Cost of funding earning assets | 0.6617% | 4,088 |
| Net interest margin | 3.2551% | 5,527 |
| Noninterest income to average assets | 0.2064% | 6,052 |
| Noninterest expense to average assets | 2.3689% | 5,491 |
| Loan and lease loss provision to assets | 0.1787% | 3,350 |
| Net operating income to assets | 0.6167% | 4,319 |
| Return on assets (ROA) | 0.6167% | 4,574 |
| Pretax return on assets | 0.7120% | 4,822 |
| Return on Equity (ROE) | 7.4996% | 3,528 |
| Retained earnings to average equity (ytd only) | 6.1477% | 2,602 |
| Net charge-offs to loans | 0.1719% | 3,725 |
| Credit loss provision to net charge-offs | 187.5000% | 1,472 |
| Earnings coverage of net charge-offs (x) | 9.3470% | 2,333 |
| Efficiency ratio | 72.6756% | 3,204 |
| Assets per employee ($millions) | 4.3852% | 3,095 |
| Cash dividends to net income (ytd only)* | 18.0261% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 5,510 |
| Loan loss allowance to noncurrent loans | 1,664.1026% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 6,669 |
| Noncurrent loans to loans | 0.0692% | 6,444 |
| Net loans and leases to total assets | 55.2340% | 4,564 |
| Net loans and leases to deposits | 61.5712% | 5,014 |
| Net loans and leases to core deposits | 62.4414% | 5,315 |
| Total domestic deposits to total assets | 89.7075% | 1,003 |
| Equity capital to assets | 8.4374% | 6,318 |
| Core capital (leverage) ratio | 8.2852% | 6,037 |
| Tier 1 risk-based capital ratio | 14.1613% | 4,406 |
| Total risk-based capital ratio | 15.2854% | 4,455 |
| Memoranda: | ||
| Average total assets | $100,748,250 | 4,863 |
| Average earning assets | $94,495,250 | 4,780 |
| Average equity | $8,284,750 | 5,482 |
| Average total loans | $55,834,250 | 4,924 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 6,001 |
| Cost of funding earning assets | 0.6698% | 4,279 |
| Net interest margin | 3.1946% | 5,756 |
| Noninterest income to average assets | 0.1966% | 6,155 |
| Noninterest expense to average assets | 2.3791% | 5,528 |
| Loan and lease loss provision to assets | 0.1787% | 3,310 |
| Net operating income to assets | 0.6196% | 4,281 |
| Return on assets (ROA) | 0.6196% | 4,530 |
| Pretax return on assets | 0.6414% | 4,990 |
| Return on Equity (ROE) | 7.6008% | 3,450 |
| Retained earnings to average equity (ytd only) | 5.5544% | 2,957 |
| Net charge-offs to loans | -0.2443% | 7,039 |
| Credit loss provision to net charge-offs | -132.3529% | 6,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3637% | 3,017 |
| Assets per employee ($millions) | 4.3455% | 3,176 |
| Cash dividends to net income (ytd only)* | 26.9231% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 4,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 55.1592% | 4,601 |
| Net loans and leases to deposits | 60.9602% | 5,141 |
| Net loans and leases to core deposits | 61.6487% | 5,424 |
| Total domestic deposits to total assets | 90.4840% | 674 |
| Equity capital to assets | 8.3834% | 6,314 |
| Core capital (leverage) ratio | 7.9476% | 6,325 |
| Tier 1 risk-based capital ratio | 13.9912% | 4,454 |
| Total risk-based capital ratio | 15.2417% | 4,419 |
| Memoranda: | ||
| Average total assets | $100,711,000 | 4,885 |
| Average earning assets | $94,658,670 | 4,798 |
| Average equity | $8,209,670 | 5,511 |
| Average total loans | $55,659,670 | 4,965 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 6,257 |
| Cost of funding earning assets | 0.6863% | 4,398 |
| Net interest margin | 3.1072% | 6,016 |
| Noninterest income to average assets | 0.1385% | 6,554 |
| Noninterest expense to average assets | 2.4453% | 5,328 |
| Loan and lease loss provision to assets | 0.1781% | 3,189 |
| Net operating income to assets | 0.6331% | 4,205 |
| Return on assets (ROA) | 0.6331% | 4,418 |
| Pretax return on assets | 0.4352% | 5,629 |
| Return on Equity (ROE) | 7.8769% | 3,337 |
| Retained earnings to average equity (ytd only) | 7.8769% | 2,030 |
| Net charge-offs to loans | -0.0504% | 6,533 |
| Credit loss provision to net charge-offs | -642.8571% | 5,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9483% | 2,216 |
| Assets per employee ($millions) | 4.4993% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 52.5898% | 4,936 |
| Net loans and leases to deposits | 57.1366% | 5,473 |
| Net loans and leases to core deposits | 58.1500% | 5,703 |
| Total domestic deposits to total assets | 92.0422% | 247 |
| Equity capital to assets | 7.8292% | 6,625 |
| Core capital (leverage) ratio | 7.8611% | 6,366 |
| Tier 1 risk-based capital ratio | 14.2160% | 4,300 |
| Total risk-based capital ratio | 15.3562% | 4,364 |
| Memoranda: | ||
| Average total assets | $101,093,000 | 4,913 |
| Average earning assets | $95,005,000 | 4,818 |
| Average equity | $8,125,000 | 5,554 |
| Average total loans | $55,552,500 | 4,992 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9665% | 6,515 |
| Cost of funding earning assets | 0.8982% | 4,127 |
| Net interest margin | 3.0683% | 6,409 |
| Noninterest income to average assets | 0.1610% | 6,342 |
| Noninterest expense to average assets | 2.4894% | 5,503 |
| Loan and lease loss provision to assets | 0.1846% | 4,348 |
| Net operating income to assets | 0.3400% | 5,105 |
| Return on assets (ROA) | 0.6421% | 3,967 |
| Pretax return on assets | 0.6780% | 4,416 |
| Return on Equity (ROE) | 8.0221% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.0221% | 1,068 |
| Net charge-offs to loans | 0.5638% | 2,765 |
| Credit loss provision to net charge-offs | 62.2837% | 5,111 |
| Earnings coverage of net charge-offs (x) | 1.8374% | 4,398 |
| Efficiency ratio | 82.0487% | 2,014 |
| Assets per employee ($millions) | 4.2914% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 6,014 |
| Loan loss allowance to noncurrent loans | 610.4167% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 6,712 |
| Noncurrent loans to loans | 0.1713% | 6,408 |
| Net loans and leases to total assets | 56.1883% | 4,668 |
| Net loans and leases to deposits | 61.3308% | 5,335 |
| Net loans and leases to core deposits | 62.4778% | 5,606 |
| Total domestic deposits to total assets | 91.6152% | 303 |
| Equity capital to assets | 8.2552% | 6,384 |
| Core capital (leverage) ratio | 7.9212% | 6,336 |
| Tier 1 risk-based capital ratio | 12.8924% | 5,163 |
| Total risk-based capital ratio | 13.8618% | 5,350 |
| Memoranda: | ||
| Average total assets | $97,491,600 | 4,966 |
| Average earning assets | $91,288,800 | 4,881 |
| Average equity | $7,803,400 | 5,630 |
| Average total loans | $51,263,200 | 5,225 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9842% | 6,615 |
| Cost of funding earning assets | 0.9433% | 4,092 |
| Net interest margin | 3.0409% | 6,506 |
| Noninterest income to average assets | 0.1591% | 6,453 |
| Noninterest expense to average assets | 2.4337% | 5,679 |
| Loan and lease loss provision to assets | 0.1852% | 4,180 |
| Net operating income to assets | 0.3740% | 5,109 |
| Return on assets (ROA) | 0.3937% | 5,212 |
| Pretax return on assets | 0.4088% | 5,442 |
| Return on Equity (ROE) | 4.9585% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.9585% | 3,196 |
| Net charge-offs to loans | -0.0559% | 7,065 |
| Credit loss provision to net charge-offs | -642.8571% | 6,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9307% | 2,116 |
| Assets per employee ($millions) | 4.2867% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 3,773 |
| Loan loss allowance to noncurrent loans | 1,134.6667% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 6,867 |
| Noncurrent loans to loans | 0.1389% | 6,595 |
| Net loans and leases to total assets | 53.8962% | 5,176 |
| Net loans and leases to deposits | 62.9781% | 5,293 |
| Net loans and leases to core deposits | 64.0484% | 5,606 |
| Total domestic deposits to total assets | 85.5794% | 3,453 |
| Equity capital to assets | 8.2814% | 6,500 |
| Core capital (leverage) ratio | 7.5541% | 6,734 |
| Tier 1 risk-based capital ratio | 13.2042% | 4,947 |
| Total risk-based capital ratio | 14.4580% | 4,924 |
| Memoranda: | ||
| Average total assets | $97,189,000 | 5,005 |
| Average earning assets | $91,024,250 | 4,926 |
| Average equity | $7,717,250 | 5,691 |
| Average total loans | $50,067,750 | 5,303 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 6,744 |
| Cost of funding earning assets | 0.9874% | 4,033 |
| Net interest margin | 2.9578% | 6,683 |
| Noninterest income to average assets | 0.1551% | 6,544 |
| Noninterest expense to average assets | 2.4400% | 5,727 |
| Loan and lease loss provision to assets | 0.1861% | 4,054 |
| Net operating income to assets | 0.2936% | 5,392 |
| Return on assets (ROA) | 0.2936% | 5,532 |
| Pretax return on assets | 0.2978% | 5,676 |
| Return on Equity (ROE) | 3.7526% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.7526% | 3,827 |
| Net charge-offs to loans | -0.0738% | 7,104 |
| Credit loss provision to net charge-offs | -500.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4512% | 1,891 |
| Assets per employee ($millions) | 4.3290% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 3,624 |
| Loan loss allowance to noncurrent loans | 1,056.5789% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 6,908 |
| Noncurrent loans to loans | 0.1533% | 6,599 |
| Net loans and leases to total assets | 48.9896% | 5,948 |
| Net loans and leases to deposits | 55.6884% | 6,164 |
| Net loans and leases to core deposits | 57.6300% | 6,295 |
| Total domestic deposits to total assets | 87.9710% | 2,156 |
| Equity capital to assets | 7.9293% | 6,727 |
| Core capital (leverage) ratio | 7.2590% | 6,886 |
| Tier 1 risk-based capital ratio | 14.0291% | 4,153 |
| Total risk-based capital ratio | 15.2842% | 4,117 |
| Memoranda: | ||
| Average total assets | $96,720,330 | 5,055 |
| Average earning assets | $90,541,670 | 4,977 |
| Average equity | $7,568,000 | 5,744 |
| Average total loans | $48,760,330 | 5,404 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8863% | 6,838 |
| Cost of funding earning assets | 1.0367% | 3,942 |
| Net interest margin | 2.8497% | 6,832 |
| Noninterest income to average assets | 0.1343% | 6,744 |
| Noninterest expense to average assets | 2.5017% | 5,545 |
| Loan and lease loss provision to assets | 0.1889% | 3,736 |
| Net operating income to assets | 0.1091% | 6,071 |
| Return on assets (ROA) | 0.1091% | 6,124 |
| Pretax return on assets | 0.1091% | 6,148 |
| Return on Equity (ROE) | 1.4046% | 6,019 |
| Retained earnings to average equity (ytd only) | 1.4046% | 5,261 |
| Net charge-offs to loans | -0.0496% | 6,881 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3553% | 1,389 |
| Assets per employee ($millions) | 4.2559% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 3,670 |
| Loan loss allowance to noncurrent loans | 74,600.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 7,220 |
| Noncurrent loans to loans | 0.0022% | 7,088 |
| Net loans and leases to total assets | 46.4259% | 6,248 |
| Net loans and leases to deposits | 50.2766% | 6,608 |
| Net loans and leases to core deposits | 51.9758% | 6,678 |
| Total domestic deposits to total assets | 92.3410% | 202 |
| Equity capital to assets | 7.5507% | 6,843 |
| Core capital (leverage) ratio | 7.3799% | 6,808 |
| Tier 1 risk-based capital ratio | 14.9022% | 3,474 |
| Total risk-based capital ratio | 16.1570% | 3,439 |
| Memoranda: | ||
| Average total assets | $95,296,500 | 5,126 |
| Average earning assets | $89,133,000 | 5,052 |
| Average equity | $7,404,500 | 5,803 |
| Average total loans | $48,350,000 | 5,470 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7055% | 5,786 |
| Cost of funding earning assets | 1.2357% | 4,322 |
| Net interest margin | 3.4698% | 5,364 |
| Noninterest income to average assets | 0.1857% | 6,426 |
| Noninterest expense to average assets | 2.5566% | 5,594 |
| Loan and lease loss provision to assets | 0.2026% | 5,216 |
| Net operating income to assets | 0.6563% | 3,409 |
| Return on assets (ROA) | 0.6887% | 3,396 |
| Pretax return on assets | 0.7179% | 3,909 |
| Return on Equity (ROE) | 8.4736% | 2,509 |
| Retained earnings to average equity (ytd only) | 7.6429% | 1,104 |
| Net charge-offs to loans | 0.4102% | 3,988 |
| Credit loss provision to net charge-offs | 85.3081% | 5,327 |
| Earnings coverage of net charge-offs (x) | 3.7346% | 3,215 |
| Efficiency ratio | 74.2484% | 3,343 |
| Assets per employee ($millions) | 3.8628% | 4,100 |
| Cash dividends to net income (ytd only)* | 9.8039% | 3,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 4,630 |
| Loan loss allowance to noncurrent loans | 69,500.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 7,278 |
| Noncurrent loans to loans | 0.0020% | 7,169 |
| Net loans and leases to total assets | 53.7332% | 5,669 |
| Net loans and leases to deposits | 58.4814% | 6,214 |
| Net loans and leases to core deposits | 59.8515% | 6,406 |
| Total domestic deposits to total assets | 91.8810% | 305 |
| Equity capital to assets | 8.0015% | 6,497 |
| Core capital (leverage) ratio | 8.0136% | 6,182 |
| Tier 1 risk-based capital ratio | 13.5904% | 4,141 |
| Total risk-based capital ratio | 14.8413% | 4,104 |
| Memoranda: | ||
| Average total assets | $88,866,800 | 5,324 |
| Average earning assets | $83,435,000 | 5,234 |
| Average equity | $7,222,400 | 5,958 |
| Average total loans | $51,436,000 | 5,427 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7677% | 5,794 |
| Cost of funding earning assets | 1.2721% | 4,422 |
| Net interest margin | 3.4956% | 5,311 |
| Noninterest income to average assets | 0.1866% | 6,549 |
| Noninterest expense to average assets | 2.4434% | 5,910 |
| Loan and lease loss provision to assets | 0.2048% | 5,005 |
| Net operating income to assets | 0.7895% | 3,046 |
| Return on assets (ROA) | 0.8327% | 3,003 |
| Pretax return on assets | 0.8721% | 3,656 |
| Return on Equity (ROE) | 10.2039% | 2,049 |
| Retained earnings to average equity (ytd only) | 9.0887% | 1,029 |
| Net charge-offs to loans | 0.5419% | 3,132 |
| Credit loss provision to net charge-offs | 64.2857% | 5,584 |
| Earnings coverage of net charge-offs (x) | 3.2381% | 3,526 |
| Efficiency ratio | 70.3186% | 4,003 |
| Assets per employee ($millions) | 4.4050% | 3,073 |
| Cash dividends to net income (ytd only)* | 10.9293% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 5,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 57.2588% | 5,367 |
| Net loans and leases to deposits | 66.1938% | 5,648 |
| Net loans and leases to core deposits | 67.9284% | 5,951 |
| Total domestic deposits to total assets | 86.5017% | 2,803 |
| Equity capital to assets | 8.5959% | 6,158 |
| Core capital (leverage) ratio | 8.1322% | 6,146 |
| Tier 1 risk-based capital ratio | 13.6306% | 4,096 |
| Total risk-based capital ratio | 14.8781% | 4,052 |
| Memoranda: | ||
| Average total assets | $87,906,500 | 5,417 |
| Average earning assets | $82,692,750 | 5,321 |
| Average equity | $7,173,500 | 6,054 |
| Average total loans | $51,667,500 | 5,495 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7622% | 5,918 |
| Cost of funding earning assets | 1.3034% | 4,512 |
| Net interest margin | 3.4588% | 5,406 |
| Noninterest income to average assets | 0.1890% | 6,552 |
| Noninterest expense to average assets | 2.2859% | 6,391 |
| Loan and lease loss provision to assets | 0.2049% | 4,823 |
| Net operating income to assets | 0.9180% | 2,481 |
| Return on assets (ROA) | 0.9836% | 2,342 |
| Pretax return on assets | 1.0291% | 3,011 |
| Return on Equity (ROE) | 12.2722% | 1,387 |
| Retained earnings to average equity (ytd only) | 10.5677% | 732 |
| Net charge-offs to loans | 0.0231% | 6,012 |
| Credit loss provision to net charge-offs | 1,500.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 85.3333% | 376 |
| Efficiency ratio | 66.2269% | 4,942 |
| Assets per employee ($millions) | 4.8871% | 2,318 |
| Cash dividends to net income (ytd only)* | 13.8889% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 3,614 |
| Loan loss allowance to noncurrent loans | 6,230.7692% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 7,374 |
| Noncurrent loans to loans | 0.0251% | 7,262 |
| Net loans and leases to total assets | 57.9433% | 5,425 |
| Net loans and leases to deposits | 65.7105% | 5,841 |
| Net loans and leases to core deposits | 67.0380% | 6,151 |
| Total domestic deposits to total assets | 88.1797% | 1,899 |
| Equity capital to assets | 8.3043% | 6,422 |
| Core capital (leverage) ratio | 7.8067% | 6,485 |
| Tier 1 risk-based capital ratio | 13.5370% | 4,043 |
| Total risk-based capital ratio | 14.7916% | 4,004 |
| Memoranda: | ||
| Average total assets | $87,842,000 | 5,456 |
| Average earning assets | $82,860,330 | 5,341 |
| Average equity | $7,040,330 | 6,124 |
| Average total loans | $51,858,000 | 5,525 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 6,266 |
| Cost of funding earning assets | 1.3245% | 4,659 |
| Net interest margin | 3.3692% | 5,708 |
| Noninterest income to average assets | 0.1640% | 6,797 |
| Noninterest expense to average assets | 2.2238% | 6,621 |
| Loan and lease loss provision to assets | 0.2051% | 4,449 |
| Net operating income to assets | 0.8681% | 2,679 |
| Return on assets (ROA) | 0.9980% | 2,263 |
| Pretax return on assets | 1.0481% | 2,909 |
| Return on Equity (ROE) | 12.6809% | 1,329 |
| Retained earnings to average equity (ytd only) | 11.5229% | 829 |
| Net charge-offs to loans | 0.0694% | 4,718 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 27.2222% | 938 |
| Efficiency ratio | 66.5757% | 4,990 |
| Assets per employee ($millions) | 4.8114% | 2,496 |
| Cash dividends to net income (ytd only)* | 9.1324% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 3,966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 58.2276% | 5,392 |
| Net loans and leases to deposits | 64.6961% | 5,972 |
| Net loans and leases to core deposits | 64.6961% | 6,402 |
| Total domestic deposits to total assets | 90.0017% | 984 |
| Equity capital to assets | 8.1127% | 6,527 |
| Core capital (leverage) ratio | 7.9438% | 6,320 |
| Tier 1 risk-based capital ratio | 13.4044% | 4,042 |
| Total risk-based capital ratio | 14.6587% | 4,002 |
| Memoranda: | ||
| Average total assets | $87,779,500 | 5,520 |
| Average earning assets | $82,750,000 | 5,408 |
| Average equity | $6,908,000 | 6,219 |
| Average total loans | $51,896,500 | 5,591 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 6,338 |
| Cost of funding earning assets | 1.7435% | 4,282 |
| Net interest margin | 3.2864% | 5,795 |
| Noninterest income to average assets | 0.2039% | 6,651 |
| Noninterest expense to average assets | 2.1929% | 7,011 |
| Loan and lease loss provision to assets | 0.1172% | 6,474 |
| Net operating income to assets | 0.9348% | 2,071 |
| Return on assets (ROA) | 1.1931% | 1,310 |
| Pretax return on assets | 1.2564% | 1,814 |
| Return on Equity (ROE) | 15.6905% | 583 |
| Retained earnings to average equity (ytd only) | 13.8564% | 128 |
| Net charge-offs to loans | 0.2303% | 5,172 |
| Credit loss provision to net charge-offs | 86.9565% | 6,101 |
| Earnings coverage of net charge-offs (x) | 8.1739% | 1,983 |
| Efficiency ratio | 66.5599% | 5,279 |
| Assets per employee ($millions) | 4.9419% | 2,291 |
| Cash dividends to net income (ytd only)* | 11.6896% | 3,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 4,338 |
| Loan loss allowance to noncurrent loans | 5,185.7143% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 7,488 |
| Noncurrent loans to loans | 0.0266% | 7,368 |
| Net loans and leases to total assets | 58.3189% | 5,606 |
| Net loans and leases to deposits | 65.2172% | 6,144 |
| Net loans and leases to core deposits | 79.5696% | 6,139 |
| Total domestic deposits to total assets | 89.4226% | 1,255 |
| Equity capital to assets | 7.6332% | 6,915 |
| Core capital (leverage) ratio | 7.8433% | 6,398 |
| Tier 1 risk-based capital ratio | 12.6728% | 4,385 |
| Total risk-based capital ratio | 13.9211% | 4,322 |
| Memoranda: | ||
| Average total assets | $85,320,400 | 5,548 |
| Average earning assets | $80,240,200 | 5,452 |
| Average equity | $6,488,000 | 6,431 |
| Average total loans | $49,925,000 | 5,672 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1048% | 6,247 |
| Cost of funding earning assets | 1.8459% | 4,174 |
| Net interest margin | 3.2589% | 5,794 |
| Noninterest income to average assets | 0.2053% | 6,750 |
| Noninterest expense to average assets | 2.2113% | 6,944 |
| Loan and lease loss provision to assets | 0.1580% | 5,771 |
| Net operating income to assets | 0.8586% | 2,582 |
| Return on assets (ROA) | 1.2067% | 1,509 |
| Pretax return on assets | 1.2699% | 2,044 |
| Return on Equity (ROE) | 15.8852% | 673 |
| Retained earnings to average equity (ytd only) | 13.4110% | 231 |
| Net charge-offs to loans | 0.0027% | 6,954 |
| Credit loss provision to net charge-offs | 10,000.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 673.6692% | 37 |
| Efficiency ratio | 67.5676% | 5,064 |
| Assets per employee ($millions) | 4.7017% | 2,556 |
| Cash dividends to net income (ytd only)* | 15.5757% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 2,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 56.9389% | 6,039 |
| Net loans and leases to deposits | 65.2653% | 6,376 |
| Net loans and leases to core deposits | 79.5168% | 6,391 |
| Total domestic deposits to total assets | 87.2423% | 2,057 |
| Equity capital to assets | 7.7974% | 7,045 |
| Core capital (leverage) ratio | 7.5930% | 6,870 |
| Tier 1 risk-based capital ratio | 13.2382% | 4,026 |
| Total risk-based capital ratio | 14.4943% | 3,967 |
| Memoranda: | ||
| Average total assets | $84,412,000 | 5,609 |
| Average earning assets | $79,452,250 | 5,507 |
| Average equity | $6,412,500 | 6,518 |
| Average total loans | $49,255,500 | 5,752 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1531% | 6,245 |
| Cost of funding earning assets | 1.9135% | 4,198 |
| Net interest margin | 3.2396% | 5,772 |
| Noninterest income to average assets | 0.2016% | 6,853 |
| Noninterest expense to average assets | 2.1817% | 7,101 |
| Loan and lease loss provision to assets | 0.2371% | 4,690 |
| Net operating income to assets | 0.7824% | 2,921 |
| Return on assets (ROA) | 1.2995% | 1,315 |
| Pretax return on assets | 1.3801% | 1,788 |
| Return on Equity (ROE) | 17.2589% | 559 |
| Retained earnings to average equity (ytd only) | 15.8732% | 166 |
| Net charge-offs to loans | 0.0041% | 6,559 |
| Credit loss provision to net charge-offs | 10,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 450.0000% | 72 |
| Efficiency ratio | 67.1533% | 5,327 |
| Assets per employee ($millions) | 4.6414% | 2,538 |
| Cash dividends to net income (ytd only)* | 8.0292% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7323% | 2,237 |
| Loan loss allowance to noncurrent loans | 84,000.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 7,671 |
| Noncurrent loans to loans | 0.0021% | 7,574 |
| Net loans and leases to total assets | 57.0356% | 6,084 |
| Net loans and leases to deposits | 62.2588% | 6,713 |
| Net loans and leases to core deposits | 75.9863% | 6,676 |
| Total domestic deposits to total assets | 91.6106% | 290 |
| Equity capital to assets | 7.5874% | 7,190 |
| Core capital (leverage) ratio | 7.4455% | 7,087 |
| Tier 1 risk-based capital ratio | 13.1689% | 4,020 |
| Total risk-based capital ratio | 14.4253% | 3,943 |
| Memoranda: | ||
| Average total assets | $84,339,000 | 5,636 |
| Average earning assets | $79,331,330 | 5,553 |
| Average equity | $6,350,330 | 6,591 |
| Average total loans | $49,331,330 | 5,796 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2162% | 6,231 |
| Cost of funding earning assets | 1.9837% | 4,213 |
| Net interest margin | 3.2324% | 5,750 |
| Noninterest income to average assets | 0.1652% | 7,122 |
| Noninterest expense to average assets | 2.1856% | 6,904 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9611% | 2,474 |
| Return on assets (ROA) | 2.0015% | 398 |
| Pretax return on assets | 2.1054% | 534 |
| Return on Equity (ROE) | 26.6834% | 153 |
| Retained earnings to average equity (ytd only) | 26.6834% | 70 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3900% | 4,895 |
| Assets per employee ($millions) | 4.9063% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 2,910 |
| Loan loss allowance to noncurrent loans | 37,050.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 7,662 |
| Noncurrent loans to loans | 0.0041% | 7,571 |
| Net loans and leases to total assets | 57.8597% | 5,963 |
| Net loans and leases to deposits | 62.8078% | 6,664 |
| Net loans and leases to core deposits | 76.9767% | 6,609 |
| Total domestic deposits to total assets | 92.1218% | 165 |
| Equity capital to assets | 7.6540% | 7,213 |
| Core capital (leverage) ratio | 7.3388% | 7,336 |
| Tier 1 risk-based capital ratio | 12.7305% | 4,365 |
| Total risk-based capital ratio | 13.9901% | 4,276 |
| Memoranda: | ||
| Average total assets | $84,735,500 | 5,652 |
| Average earning assets | $79,445,500 | 5,566 |
| Average equity | $6,356,000 | 6,636 |
| Average total loans | $49,751,500 | 5,804 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7332% | 6,670 |
| Cost of funding earning assets | 2.6165% | 3,599 |
| Net interest margin | 3.1167% | 6,604 |
| Noninterest income to average assets | 0.1944% | 7,065 |
| Noninterest expense to average assets | 2.1843% | 7,005 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8676% | 3,139 |
| Return on assets (ROA) | 0.8984% | 2,849 |
| Pretax return on assets | 0.9457% | 3,565 |
| Return on Equity (ROE) | 12.7125% | 1,405 |
| Retained earnings to average equity (ytd only) | 10.2440% | 419 |
| Net charge-offs to loans | 0.0020% | 7,000 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 733.0000% | 75 |
| Efficiency ratio | 70.5149% | 4,243 |
| Assets per employee ($millions) | 5.0626% | 1,887 |
| Cash dividends to net income (ytd only)* | 19.4175% | 4,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 2,845 |
| Loan loss allowance to noncurrent loans | 4,358.8235% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 7,521 |
| Noncurrent loans to loans | 0.0337% | 7,373 |
| Net loans and leases to total assets | 57.8198% | 6,227 |
| Net loans and leases to deposits | 62.5166% | 6,911 |
| Net loans and leases to core deposits | 76.2893% | 6,845 |
| Total domestic deposits to total assets | 92.4870% | 86 |
| Equity capital to assets | 7.3527% | 7,507 |
| Core capital (leverage) ratio | 6.8818% | 7,777 |
| Tier 1 risk-based capital ratio | 11.4806% | 5,255 |
| Total risk-based capital ratio | 12.7328% | 5,149 |
| Memoranda: | ||
| Average total assets | $80,254,600 | 5,697 |
| Average earning assets | $74,757,600 | 5,634 |
| Average equity | $5,671,600 | 6,927 |
| Average total loans | $49,718,800 | 5,717 |