Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6312% | 1,002 |
| Cost of funding earning assets | 1.1633% | 2,899 |
| Net interest margin | 4.4679% | 645 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.5365% | 2,202 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 2.2208% | 329 |
| Return on assets (ROA) | 2.2208% | 319 |
| Pretax return on assets | 2.2208% | 481 |
| Return on Equity (ROE) | 26.9900% | 254 |
| Retained earnings to average equity (ytd only) | 13.7946% | 417 |
| Net charge-offs to loans | 0.0984% | 918 |
| Credit loss provision to net charge-offs | 227.2727% | 1,132 |
| Earnings coverage of net charge-offs (x) | 33.6147% | 1,559 |
| Efficiency ratio | 51.5717% | 3,869 |
| Assets per employee ($millions) | 7.2960% | 1,867 |
| Cash dividends to net income (ytd only)* | 48.8812% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 1,941 |
| Loan loss allowance to noncurrent loans | 463.7427% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 2,086 |
| Noncurrent loans to loans | 0.2730% | 2,210 |
| Net loans and leases to total assets | 69.1900% | 1,902 |
| Net loans and leases to deposits | 75.8798% | 2,463 |
| Net loans and leases to core deposits | 89.7618% | 2,071 |
| Total domestic deposits to total assets | 91.1900% | 455 |
| Equity capital to assets | 7.8967% | 3,482 |
| Core capital (leverage) ratio | 9.1362% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3073% | 1,756 |
| Memoranda: | ||
| Average total assets | $326,005,400 | 2,290 |
| Average earning assets | $306,296,200 | 2,265 |
| Average equity | $26,829,400 | 2,413 |
| Average total loans | $234,864,000 | 2,082 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5371% | 972 |
| Cost of funding earning assets | 1.0461% | 2,901 |
| Net interest margin | 4.4910% | 623 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.5004% | 2,228 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 2.2674% | 341 |
| Return on assets (ROA) | 2.2674% | 332 |
| Pretax return on assets | 2.2674% | 506 |
| Return on Equity (ROE) | 27.2400% | 301 |
| Retained earnings to average equity (ytd only) | 14.3607% | 632 |
| Net charge-offs to loans | 0.1126% | 709 |
| Credit loss provision to net charge-offs | 212.3077% | 1,080 |
| Earnings coverage of net charge-offs (x) | 29.8667% | 1,596 |
| Efficiency ratio | 50.6022% | 3,869 |
| Assets per employee ($millions) | 6.8954% | 2,040 |
| Cash dividends to net income (ytd only)* | 47.2828% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 1,867 |
| Loan loss allowance to noncurrent loans | 626.9231% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 2,366 |
| Noncurrent loans to loans | 0.2074% | 2,524 |
| Net loans and leases to total assets | 69.5900% | 1,876 |
| Net loans and leases to deposits | 76.4742% | 2,378 |
| Net loans and leases to core deposits | 84.1923% | 2,314 |
| Total domestic deposits to total assets | 91.0000% | 671 |
| Equity capital to assets | 8.0168% | 3,049 |
| Core capital (leverage) ratio | 9.2684% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5866% | 1,687 |
| Memoranda: | ||
| Average total assets | $318,130,250 | 2,330 |
| Average earning assets | $297,980,500 | 2,320 |
| Average equity | $26,479,000 | 2,420 |
| Average total loans | $230,946,500 | 2,096 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4563% | 889 |
| Cost of funding earning assets | 0.9286% | 2,836 |
| Net interest margin | 4.5277% | 590 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.5377% | 2,104 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 2.3239% | 298 |
| Return on assets (ROA) | 2.3239% | 292 |
| Pretax return on assets | 2.3239% | 450 |
| Return on Equity (ROE) | 27.5500% | 276 |
| Retained earnings to average equity (ytd only) | 14.9108% | 572 |
| Net charge-offs to loans | 0.0656% | 896 |
| Credit loss provision to net charge-offs | 270.6667% | 913 |
| Earnings coverage of net charge-offs (x) | 50.9733% | 1,280 |
| Efficiency ratio | 50.8359% | 3,859 |
| Assets per employee ($millions) | 6.7742% | 2,086 |
| Cash dividends to net income (ytd only)* | 45.8840% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 1,944 |
| Loan loss allowance to noncurrent loans | 1,525.8883% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,156 |
| Noncurrent loans to loans | 0.0850% | 3,080 |
| Net loans and leases to total assets | 70.3800% | 1,699 |
| Net loans and leases to deposits | 77.4169% | 2,187 |
| Net loans and leases to core deposits | 86.7114% | 2,020 |
| Total domestic deposits to total assets | 90.9100% | 681 |
| Equity capital to assets | 8.3168% | 3,012 |
| Core capital (leverage) ratio | 9.2460% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6645% | 1,666 |
| Memoranda: | ||
| Average total assets | $311,548,000 | 2,373 |
| Average earning assets | $292,687,000 | 2,357 |
| Average equity | $26,276,333 | 2,445 |
| Average total loans | $228,516,667 | 2,104 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3060% | 825 |
| Cost of funding earning assets | 0.7320% | 2,957 |
| Net interest margin | 4.5740% | 524 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.4992% | 2,244 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 2.4414% | 262 |
| Return on assets (ROA) | 2.4414% | 259 |
| Pretax return on assets | 2.4414% | 386 |
| Return on Equity (ROE) | 28.7300% | 262 |
| Retained earnings to average equity (ytd only) | 15.6181% | 730 |
| Net charge-offs to loans | 0.0123% | 1,490 |
| Credit loss provision to net charge-offs | 1,142.8571% | 332 |
| Earnings coverage of net charge-offs (x) | 277.1429% | 391 |
| Efficiency ratio | 49.5317% | 3,978 |
| Assets per employee ($millions) | 6.7707% | 2,141 |
| Cash dividends to net income (ytd only)* | 45.6452% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 2,064 |
| Loan loss allowance to noncurrent loans | 838.3523% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 2,711 |
| Noncurrent loans to loans | 0.1542% | 2,718 |
| Net loans and leases to total assets | 73.9400% | 1,210 |
| Net loans and leases to deposits | 81.5857% | 1,692 |
| Net loans and leases to core deposits | 88.8659% | 1,684 |
| Total domestic deposits to total assets | 90.6200% | 936 |
| Equity capital to assets | 8.6757% | 2,759 |
| Core capital (leverage) ratio | 9.1956% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6478% | 1,750 |
| Memoranda: | ||
| Average total assets | $304,742,000 | 2,442 |
| Average earning assets | $287,449,000 | 2,413 |
| Average equity | $25,893,000 | 2,490 |
| Average total loans | $226,845,500 | 2,130 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5262% | 687 |
| Cost of funding earning assets | 0.2750% | 3,096 |
| Net interest margin | 4.2511% | 467 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.4629% | 2,230 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 2.1593% | 229 |
| Return on assets (ROA) | 2.1590% | 221 |
| Pretax return on assets | 2.1590% | 344 |
| Return on Equity (ROE) | 25.6300% | 189 |
| Retained earnings to average equity (ytd only) | 13.0958% | 497 |
| Net charge-offs to loans | 0.0224% | 1,616 |
| Credit loss provision to net charge-offs | 1,173.9130% | 389 |
| Earnings coverage of net charge-offs (x) | 148.2826% | 793 |
| Efficiency ratio | 51.2263% | 4,046 |
| Assets per employee ($millions) | 6.7734% | 2,140 |
| Cash dividends to net income (ytd only)* | 48.9013% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 2,739 |
| Loan loss allowance to noncurrent loans | 551.5152% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 2,477 |
| Noncurrent loans to loans | 0.2049% | 2,469 |
| Net loans and leases to total assets | 73.1400% | 1,297 |
| Net loans and leases to deposits | 80.4408% | 1,742 |
| Net loans and leases to core deposits | 90.0143% | 1,504 |
| Total domestic deposits to total assets | 90.9200% | 988 |
| Equity capital to assets | 8.3178% | 2,836 |
| Core capital (leverage) ratio | 9.0941% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6770% | 1,738 |
| Memoranda: | ||
| Average total assets | $290,881,600 | 2,495 |
| Average earning assets | $275,222,800 | 2,466 |
| Average equity | $24,504,000 | 2,602 |
| Average total loans | $205,322,800 | 2,194 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 683 |
| Cost of funding earning assets | 0.1890% | 3,406 |
| Net interest margin | 4.1414% | 477 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 2.4026% | 2,313 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 2.1595% | 224 |
| Return on assets (ROA) | 2.1600% | 222 |
| Pretax return on assets | 2.1600% | 344 |
| Return on Equity (ROE) | 25.5600% | 170 |
| Retained earnings to average equity (ytd only) | 13.7986% | 493 |
| Net charge-offs to loans | 0.0186% | 1,469 |
| Credit loss provision to net charge-offs | 1,214.2857% | 360 |
| Earnings coverage of net charge-offs (x) | 178.3929% | 666 |
| Efficiency ratio | 50.9043% | 4,103 |
| Assets per employee ($millions) | 6.7878% | 2,105 |
| Cash dividends to net income (ytd only)* | 46.0052% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 3,100 |
| Loan loss allowance to noncurrent loans | 367.3913% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 2,197 |
| Noncurrent loans to loans | 0.2942% | 2,191 |
| Net loans and leases to total assets | 70.8800% | 1,402 |
| Net loans and leases to deposits | 77.6184% | 1,750 |
| Net loans and leases to core deposits | 84.2212% | 1,637 |
| Total domestic deposits to total assets | 91.3200% | 1,112 |
| Equity capital to assets | 7.9548% | 2,923 |
| Core capital (leverage) ratio | 9.1053% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7037% | 2,171 |
| Memoranda: | ||
| Average total assets | $287,401,000 | 2,534 |
| Average earning assets | $272,269,500 | 2,502 |
| Average equity | $24,291,750 | 2,670 |
| Average total loans | $200,285,500 | 2,229 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 665 |
| Cost of funding earning assets | 0.1442% | 3,648 |
| Net interest margin | 4.0340% | 462 |
| Noninterest income to average assets | 0.7932% | 1,061 |
| Noninterest expense to average assets | 2.3988% | 2,224 |
| Loan and lease loss provision to assets | 0.1173% | 856 |
| Net operating income to assets | 2.0953% | 189 |
| Return on assets (ROA) | 2.0946% | 187 |
| Pretax return on assets | 2.0946% | 299 |
| Return on Equity (ROE) | 24.2655% | 133 |
| Retained earnings to average equity (ytd only) | 13.5449% | 409 |
| Net charge-offs to loans | 0.0216% | 1,293 |
| Credit loss provision to net charge-offs | 785.7143% | 478 |
| Earnings coverage of net charge-offs (x) | 148.2381% | 651 |
| Efficiency ratio | 52.0191% | 4,128 |
| Assets per employee ($millions) | 6.4275% | 2,368 |
| Cash dividends to net income (ytd only)* | 44.1805% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 3,326 |
| Loan loss allowance to noncurrent loans | 379.6200% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 2,327 |
| Noncurrent loans to loans | 0.2791% | 2,348 |
| Net loans and leases to total assets | 70.9692% | 1,206 |
| Net loans and leases to deposits | 78.6324% | 1,491 |
| Net loans and leases to core deposits | 80.7552% | 1,675 |
| Total domestic deposits to total assets | 90.2544% | 1,606 |
| Equity capital to assets | 8.2500% | 2,943 |
| Core capital (leverage) ratio | 9.0817% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7773% | 2,168 |
| Memoranda: | ||
| Average total assets | $281,385,000 | 2,578 |
| Average earning assets | $266,337,667 | 2,561 |
| Average equity | $24,289,667 | 2,725 |
| Average total loans | $194,090,667 | 2,271 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1094% | 625 |
| Cost of funding earning assets | 0.1428% | 3,593 |
| Net interest margin | 3.9667% | 440 |
| Noninterest income to average assets | 0.7944% | 1,057 |
| Noninterest expense to average assets | 2.4422% | 2,042 |
| Loan and lease loss provision to assets | 0.1081% | 773 |
| Net operating income to assets | 2.0097% | 220 |
| Return on assets (ROA) | 2.0097% | 218 |
| Pretax return on assets | 2.0097% | 346 |
| Return on Equity (ROE) | 22.7559% | 133 |
| Retained earnings to average equity (ytd only) | 11.3290% | 719 |
| Net charge-offs to loans | 0.0342% | 961 |
| Credit loss provision to net charge-offs | 468.7500% | 536 |
| Earnings coverage of net charge-offs (x) | 91.8125% | 702 |
| Efficiency ratio | 53.5567% | 4,086 |
| Assets per employee ($millions) | 6.5172% | 2,367 |
| Cash dividends to net income (ytd only)* | 50.2152% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 3,406 |
| Loan loss allowance to noncurrent loans | 319.1843% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 2,224 |
| Noncurrent loans to loans | 0.3391% | 2,266 |
| Net loans and leases to total assets | 68.9014% | 1,124 |
| Net loans and leases to deposits | 76.0763% | 1,438 |
| Net loans and leases to core deposits | 77.2490% | 1,677 |
| Total domestic deposits to total assets | 90.5688% | 1,259 |
| Equity capital to assets | 8.6358% | 3,036 |
| Core capital (leverage) ratio | 8.9669% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7631% | 1,892 |
| Memoranda: | ||
| Average total assets | $277,458,500 | 2,612 |
| Average earning assets | $263,393,000 | 2,593 |
| Average equity | $24,503,500 | 2,805 |
| Average total loans | $187,402,000 | 2,312 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 881 |
| Cost of funding earning assets | 0.1615% | 3,855 |
| Net interest margin | 4.1142% | 577 |
| Noninterest income to average assets | 0.7487% | 1,602 |
| Noninterest expense to average assets | 2.6253% | 1,810 |
| Loan and lease loss provision to assets | 0.1077% | 1,174 |
| Net operating income to assets | 1.9048% | 404 |
| Return on assets (ROA) | 1.9056% | 425 |
| Pretax return on assets | 1.9056% | 715 |
| Return on Equity (ROE) | 21.5071% | 239 |
| Retained earnings to average equity (ytd only) | 9.8754% | 948 |
| Net charge-offs to loans | 0.0284% | 1,670 |
| Credit loss provision to net charge-offs | 580.0000% | 740 |
| Earnings coverage of net charge-offs (x) | 108.3800% | 845 |
| Efficiency ratio | 56.6063% | 3,628 |
| Assets per employee ($millions) | 6.1039% | 2,659 |
| Cash dividends to net income (ytd only)* | 54.0830% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,156 |
| Loan loss allowance to noncurrent loans | 298.5465% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 2,317 |
| Noncurrent loans to loans | 0.3831% | 2,217 |
| Net loans and leases to total assets | 64.6387% | 1,628 |
| Net loans and leases to deposits | 72.0514% | 1,902 |
| Net loans and leases to core deposits | 73.2005% | 2,144 |
| Total domestic deposits to total assets | 89.7119% | 1,104 |
| Equity capital to assets | 9.0310% | 3,589 |
| Core capital (leverage) ratio | 8.8484% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1533% | 1,794 |
| Memoranda: | ||
| Average total assets | $269,262,200 | 2,607 |
| Average earning assets | $254,530,400 | 2,588 |
| Average equity | $23,857,200 | 2,921 |
| Average total loans | $175,985,200 | 2,415 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2658% | 1,012 |
| Cost of funding earning assets | 0.1676% | 3,948 |
| Net interest margin | 4.0982% | 658 |
| Noninterest income to average assets | 0.7380% | 1,704 |
| Noninterest expense to average assets | 2.5904% | 1,873 |
| Loan and lease loss provision to assets | 0.1045% | 1,155 |
| Net operating income to assets | 1.9140% | 541 |
| Return on assets (ROA) | 1.9150% | 562 |
| Pretax return on assets | 1.9150% | 921 |
| Return on Equity (ROE) | 21.7212% | 319 |
| Retained earnings to average equity (ytd only) | 10.4824% | 1,180 |
| Net charge-offs to loans | 0.0320% | 1,421 |
| Credit loss provision to net charge-offs | 500.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 96.5714% | 887 |
| Efficiency ratio | 56.2034% | 3,501 |
| Assets per employee ($millions) | 6.0919% | 2,594 |
| Cash dividends to net income (ytd only)* | 51.7412% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 3,425 |
| Loan loss allowance to noncurrent loans | 232.9025% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 2,221 |
| Noncurrent loans to loans | 0.4737% | 2,136 |
| Net loans and leases to total assets | 64.8059% | 1,673 |
| Net loans and leases to deposits | 73.6751% | 1,893 |
| Net loans and leases to core deposits | 74.8749% | 2,153 |
| Total domestic deposits to total assets | 87.9617% | 1,871 |
| Equity capital to assets | 8.9460% | 3,877 |
| Core capital (leverage) ratio | 8.8060% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,908,750 | 2,636 |
| Average earning assets | $253,047,500 | 2,625 |
| Average equity | $23,620,000 | 2,970 |
| Average total loans | $175,081,250 | 2,462 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2174% | 1,155 |
| Cost of funding earning assets | 0.1727% | 4,015 |
| Net interest margin | 4.0447% | 761 |
| Noninterest income to average assets | 0.7155% | 1,752 |
| Noninterest expense to average assets | 2.6242% | 1,796 |
| Loan and lease loss provision to assets | 0.1016% | 1,250 |
| Net operating income to assets | 1.7959% | 725 |
| Return on assets (ROA) | 1.7959% | 761 |
| Pretax return on assets | 1.7959% | 1,248 |
| Return on Equity (ROE) | 20.4729% | 419 |
| Retained earnings to average equity (ytd only) | 8.8084% | 1,773 |
| Net charge-offs to loans | 0.0334% | 1,318 |
| Credit loss provision to net charge-offs | 465.5172% | 706 |
| Earnings coverage of net charge-offs (x) | 86.9655% | 808 |
| Efficiency ratio | 58.0366% | 3,282 |
| Assets per employee ($millions) | 6.2938% | 2,336 |
| Cash dividends to net income (ytd only)* | 56.9753% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,342 |
| Loan loss allowance to noncurrent loans | 316.3097% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 2,808 |
| Noncurrent loans to loans | 0.3530% | 2,639 |
| Net loans and leases to total assets | 62.8312% | 2,077 |
| Net loans and leases to deposits | 72.0258% | 2,201 |
| Net loans and leases to core deposits | 73.2330% | 2,492 |
| Total domestic deposits to total assets | 87.2344% | 2,205 |
| Equity capital to assets | 8.7864% | 3,987 |
| Core capital (leverage) ratio | 8.9922% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,833,667 | 2,642 |
| Average earning assets | $250,154,333 | 2,631 |
| Average equity | $23,318,667 | 2,986 |
| Average total loans | $173,562,667 | 2,483 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1626% | 1,266 |
| Cost of funding earning assets | 0.1801% | 4,083 |
| Net interest margin | 3.9825% | 865 |
| Noninterest income to average assets | 0.6909% | 1,895 |
| Noninterest expense to average assets | 2.5114% | 2,147 |
| Loan and lease loss provision to assets | 0.1139% | 1,211 |
| Net operating income to assets | 1.8251% | 748 |
| Return on assets (ROA) | 1.8251% | 801 |
| Pretax return on assets | 1.8251% | 1,246 |
| Return on Equity (ROE) | 20.8242% | 481 |
| Retained earnings to average equity (ytd only) | 6.0117% | 2,895 |
| Net charge-offs to loans | 0.1101% | 638 |
| Credit loss provision to net charge-offs | 156.2500% | 969 |
| Earnings coverage of net charge-offs (x) | 26.6042% | 1,140 |
| Efficiency ratio | 56.4313% | 3,497 |
| Assets per employee ($millions) | 6.1076% | 2,487 |
| Cash dividends to net income (ytd only)* | 71.1314% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,708 |
| Loan loss allowance to noncurrent loans | 233.6294% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 2,677 |
| Noncurrent loans to loans | 0.4434% | 2,526 |
| Net loans and leases to total assets | 65.4480% | 1,873 |
| Net loans and leases to deposits | 75.8788% | 1,923 |
| Net loans and leases to core deposits | 76.9393% | 2,272 |
| Total domestic deposits to total assets | 86.2533% | 2,648 |
| Equity capital to assets | 8.6308% | 4,020 |
| Core capital (leverage) ratio | 9.5698% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,434,000 | 2,640 |
| Average earning assets | $248,691,000 | 2,622 |
| Average equity | $23,088,500 | 2,985 |
| Average total loans | $174,363,000 | 2,481 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3528% | 1,712 |
| Cost of funding earning assets | 0.2595% | 4,339 |
| Net interest margin | 4.0933% | 794 |
| Noninterest income to average assets | 0.7874% | 1,570 |
| Noninterest expense to average assets | 2.8218% | 1,888 |
| Loan and lease loss provision to assets | 0.1484% | 2,516 |
| Net operating income to assets | 1.6667% | 546 |
| Return on assets (ROA) | 1.6671% | 589 |
| Pretax return on assets | 1.6671% | 913 |
| Return on Equity (ROE) | 18.8212% | 290 |
| Retained earnings to average equity (ytd only) | 11.3886% | 387 |
| Net charge-offs to loans | 0.0624% | 1,887 |
| Credit loss provision to net charge-offs | 367.3469% | 1,531 |
| Earnings coverage of net charge-offs (x) | 44.9286% | 1,293 |
| Efficiency ratio | 60.8553% | 3,341 |
| Assets per employee ($millions) | 5.8667% | 2,477 |
| Cash dividends to net income (ytd only)* | 39.4906% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,635 |
| Loan loss allowance to noncurrent loans | 212.6612% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 2,672 |
| Noncurrent loans to loans | 0.4988% | 2,477 |
| Net loans and leases to total assets | 65.5435% | 2,151 |
| Net loans and leases to deposits | 79.6818% | 1,901 |
| Net loans and leases to core deposits | 80.7983% | 2,290 |
| Total domestic deposits to total assets | 82.2565% | 3,601 |
| Equity capital to assets | 8.9035% | 4,143 |
| Core capital (leverage) ratio | 9.0386% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,575,600 | 2,634 |
| Average earning assets | $228,130,800 | 2,613 |
| Average equity | $21,486,400 | 3,055 |
| Average total loans | $157,167,800 | 2,595 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 2,706 |
| Cost of funding earning assets | 0.2768% | 4,406 |
| Net interest margin | 3.8120% | 1,585 |
| Noninterest income to average assets | 0.7921% | 1,527 |
| Noninterest expense to average assets | 2.7958% | 1,974 |
| Loan and lease loss provision to assets | 0.1395% | 2,624 |
| Net operating income to assets | 1.4334% | 1,025 |
| Return on assets (ROA) | 1.4334% | 1,117 |
| Pretax return on assets | 1.4334% | 1,627 |
| Return on Equity (ROE) | 16.2050% | 530 |
| Retained earnings to average equity (ytd only) | 9.1256% | 950 |
| Net charge-offs to loans | 0.0972% | 1,336 |
| Credit loss provision to net charge-offs | 223.2143% | 2,027 |
| Earnings coverage of net charge-offs (x) | 25.1429% | 1,731 |
| Efficiency ratio | 63.9944% | 2,733 |
| Assets per employee ($millions) | 5.8510% | 2,394 |
| Cash dividends to net income (ytd only)* | 43.6867% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 3,778 |
| Loan loss allowance to noncurrent loans | 212.3116% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 2,879 |
| Noncurrent loans to loans | 0.4630% | 2,666 |
| Net loans and leases to total assets | 63.2435% | 2,855 |
| Net loans and leases to deposits | 78.7931% | 2,448 |
| Net loans and leases to core deposits | 79.8780% | 2,855 |
| Total domestic deposits to total assets | 80.2652% | 3,806 |
| Equity capital to assets | 8.2153% | 4,625 |
| Core capital (leverage) ratio | 8.4517% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,686,000 | 2,641 |
| Average earning assets | $223,952,000 | 2,622 |
| Average equity | $21,112,250 | 3,080 |
| Average total loans | $153,708,750 | 2,635 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 2,484 |
| Cost of funding earning assets | 0.2856% | 4,522 |
| Net interest margin | 4.0105% | 1,294 |
| Noninterest income to average assets | 0.8463% | 1,300 |
| Noninterest expense to average assets | 3.0158% | 1,534 |
| Loan and lease loss provision to assets | 0.1269% | 2,756 |
| Net operating income to assets | 1.4641% | 986 |
| Return on assets (ROA) | 1.4641% | 1,078 |
| Pretax return on assets | 1.4641% | 1,548 |
| Return on Equity (ROE) | 16.1025% | 544 |
| Retained earnings to average equity (ytd only) | 8.9608% | 1,023 |
| Net charge-offs to loans | 0.0921% | 1,337 |
| Credit loss provision to net charge-offs | 213.2353% | 1,862 |
| Earnings coverage of net charge-offs (x) | 26.7353% | 1,511 |
| Efficiency ratio | 65.4635% | 2,594 |
| Assets per employee ($millions) | 6.0590% | 2,135 |
| Cash dividends to net income (ytd only)* | 44.3515% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 3,848 |
| Loan loss allowance to noncurrent loans | 204.1353% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 2,552 |
| Noncurrent loans to loans | 0.4593% | 2,769 |
| Net loans and leases to total assets | 63.1301% | 2,990 |
| Net loans and leases to deposits | 77.9032% | 2,666 |
| Net loans and leases to core deposits | 80.3882% | 2,913 |
| Total domestic deposits to total assets | 81.0365% | 3,599 |
| Equity capital to assets | 7.9510% | 4,743 |
| Core capital (leverage) ratio | 8.4228% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,533,333 | 2,690 |
| Average earning assets | $214,289,000 | 2,674 |
| Average equity | $20,779,333 | 3,101 |
| Average total loans | $147,643,000 | 2,675 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 1,464 |
| Cost of funding earning assets | 0.3353% | 4,561 |
| Net interest margin | 4.4483% | 566 |
| Noninterest income to average assets | 1.0403% | 785 |
| Noninterest expense to average assets | 3.2295% | 1,368 |
| Loan and lease loss provision to assets | 0.1356% | 2,027 |
| Net operating income to assets | 1.8133% | 401 |
| Return on assets (ROA) | 1.8133% | 443 |
| Pretax return on assets | 1.8133% | 676 |
| Return on Equity (ROE) | 18.4166% | 241 |
| Retained earnings to average equity (ytd only) | 11.2546% | 534 |
| Net charge-offs to loans | 0.0862% | 1,188 |
| Credit loss provision to net charge-offs | 241.3793% | 1,307 |
| Earnings coverage of net charge-offs (x) | 34.6897% | 1,099 |
| Efficiency ratio | 62.3644% | 3,456 |
| Assets per employee ($millions) | 4.7005% | 2,987 |
| Cash dividends to net income (ytd only)* | 38.8889% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 2,806 |
| Loan loss allowance to noncurrent loans | 91.9215% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0103% | 1,302 |
| Noncurrent loans to loans | 1.2772% | 1,280 |
| Net loans and leases to total assets | 63.3972% | 3,134 |
| Net loans and leases to deposits | 70.8735% | 3,527 |
| Net loans and leases to core deposits | 72.1766% | 3,753 |
| Total domestic deposits to total assets | 89.4512% | 487 |
| Equity capital to assets | 9.8013% | 3,958 |
| Core capital (leverage) ratio | 9.5820% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,472,000 | 2,820 |
| Average earning assets | $192,074,500 | 2,811 |
| Average equity | $20,329,500 | 3,143 |
| Average total loans | $134,586,000 | 2,784 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7374% | 2,215 |
| Cost of funding earning assets | 0.3327% | 4,650 |
| Net interest margin | 4.4047% | 889 |
| Noninterest income to average assets | 1.1007% | 790 |
| Noninterest expense to average assets | 3.1895% | 1,548 |
| Loan and lease loss provision to assets | 0.2493% | 737 |
| Net operating income to assets | 1.7775% | 549 |
| Return on assets (ROA) | 1.7775% | 583 |
| Pretax return on assets | 1.7775% | 997 |
| Return on Equity (ROE) | 18.8928% | 277 |
| Retained earnings to average equity (ytd only) | 9.1728% | 670 |
| Net charge-offs to loans | 0.2869% | 732 |
| Credit loss provision to net charge-offs | 141.5473% | 1,827 |
| Earnings coverage of net charge-offs (x) | 11.5072% | 2,488 |
| Efficiency ratio | 61.1455% | 3,518 |
| Assets per employee ($millions) | 4.4760% | 3,264 |
| Cash dividends to net income (ytd only)* | 51.4480% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 2,626 |
| Loan loss allowance to noncurrent loans | 157.5635% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6896% | 1,877 |
| Noncurrent loans to loans | 0.7379% | 2,035 |
| Net loans and leases to total assets | 65.4983% | 3,014 |
| Net loans and leases to deposits | 73.3292% | 3,409 |
| Net loans and leases to core deposits | 74.7442% | 3,662 |
| Total domestic deposits to total assets | 89.3209% | 550 |
| Equity capital to assets | 9.8932% | 4,017 |
| Core capital (leverage) ratio | 9.4955% | 4,071 |
| Tier 1 risk-based capital ratio | 14.8417% | 2,848 |
| Total risk-based capital ratio | 16.0326% | 2,801 |
| Memoranda: | ||
| Average total assets | $198,148,800 | 2,855 |
| Average earning assets | $185,142,600 | 2,838 |
| Average equity | $18,642,000 | 3,266 |
| Average total loans | $121,661,600 | 2,926 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 2,448 |
| Cost of funding earning assets | 0.3277% | 4,726 |
| Net interest margin | 4.3634% | 1,027 |
| Noninterest income to average assets | 1.0831% | 784 |
| Noninterest expense to average assets | 3.1486% | 1,583 |
| Loan and lease loss provision to assets | 0.2493% | 656 |
| Net operating income to assets | 1.7608% | 661 |
| Return on assets (ROA) | 1.7608% | 695 |
| Pretax return on assets | 1.7608% | 1,182 |
| Return on Equity (ROE) | 18.9653% | 316 |
| Retained earnings to average equity (ytd only) | 9.3444% | 944 |
| Net charge-offs to loans | 0.0820% | 1,654 |
| Credit loss provision to net charge-offs | 505.4795% | 615 |
| Earnings coverage of net charge-offs (x) | 40.7538% | 1,364 |
| Efficiency ratio | 61.0347% | 3,468 |
| Assets per employee ($millions) | 4.9651% | 2,595 |
| Cash dividends to net income (ytd only)* | 50.7290% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 1,869 |
| Loan loss allowance to noncurrent loans | 100.2945% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.0080% | 1,326 |
| Noncurrent loans to loans | 1.3197% | 1,169 |
| Net loans and leases to total assets | 60.8840% | 3,607 |
| Net loans and leases to deposits | 68.0511% | 3,913 |
| Net loans and leases to core deposits | 69.3165% | 4,089 |
| Total domestic deposits to total assets | 89.4680% | 458 |
| Equity capital to assets | 9.3389% | 4,571 |
| Core capital (leverage) ratio | 9.2659% | 4,410 |
| Tier 1 risk-based capital ratio | 13.8925% | 3,382 |
| Total risk-based capital ratio | 15.1432% | 3,290 |
| Memoranda: | ||
| Average total assets | $197,330,500 | 2,886 |
| Average earning assets | $184,316,250 | 2,870 |
| Average equity | $18,320,750 | 3,321 |
| Average total loans | $118,707,000 | 2,982 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6313% | 2,578 |
| Cost of funding earning assets | 0.3160% | 4,784 |
| Net interest margin | 4.3153% | 1,107 |
| Noninterest income to average assets | 1.1013% | 703 |
| Noninterest expense to average assets | 3.1478% | 1,619 |
| Loan and lease loss provision to assets | 0.2417% | 641 |
| Net operating income to assets | 1.7469% | 663 |
| Return on assets (ROA) | 1.7469% | 693 |
| Pretax return on assets | 1.7469% | 1,175 |
| Return on Equity (ROE) | 18.8559% | 326 |
| Retained earnings to average equity (ytd only) | 9.2663% | 965 |
| Net charge-offs to loans | 0.0676% | 1,693 |
| Credit loss provision to net charge-offs | 600.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 49.3590% | 1,104 |
| Efficiency ratio | 61.2832% | 3,544 |
| Assets per employee ($millions) | 4.7873% | 2,759 |
| Cash dividends to net income (ytd only)* | 50.8575% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 1,989 |
| Loan loss allowance to noncurrent loans | 67.2827% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.1842% | 1,131 |
| Noncurrent loans to loans | 1.9413% | 749 |
| Net loans and leases to total assets | 60.2035% | 3,715 |
| Net loans and leases to deposits | 66.9954% | 4,027 |
| Net loans and leases to core deposits | 68.0389% | 4,201 |
| Total domestic deposits to total assets | 89.8621% | 374 |
| Equity capital to assets | 9.4331% | 4,470 |
| Core capital (leverage) ratio | 9.4642% | 4,181 |
| Tier 1 risk-based capital ratio | 14.4153% | 3,105 |
| Total risk-based capital ratio | 15.6661% | 3,023 |
| Memoranda: | ||
| Average total assets | $193,595,330 | 2,925 |
| Average earning assets | $181,030,330 | 2,909 |
| Average equity | $17,936,000 | 3,360 |
| Average total loans | $115,386,670 | 3,043 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 2,282 |
| Cost of funding earning assets | 0.3114% | 4,812 |
| Net interest margin | 4.3727% | 960 |
| Noninterest income to average assets | 1.1124% | 657 |
| Noninterest expense to average assets | 3.2466% | 1,393 |
| Loan and lease loss provision to assets | 0.1791% | 929 |
| Net operating income to assets | 1.7697% | 624 |
| Return on assets (ROA) | 1.7697% | 641 |
| Pretax return on assets | 1.7697% | 1,051 |
| Return on Equity (ROE) | 19.2876% | 307 |
| Retained earnings to average equity (ytd only) | 8.9550% | 1,338 |
| Net charge-offs to loans | -0.0143% | 4,360 |
| Credit loss provision to net charge-offs | -2,125.0000% | 4,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4899% | 3,453 |
| Assets per employee ($millions) | 4.4043% | 3,324 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 1,985 |
| Loan loss allowance to noncurrent loans | 132.1555% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 2,282 |
| Noncurrent loans to loans | 1.0010% | 1,668 |
| Net loans and leases to total assets | 58.9207% | 3,793 |
| Net loans and leases to deposits | 65.5646% | 4,089 |
| Net loans and leases to core deposits | 66.4054% | 4,266 |
| Total domestic deposits to total assets | 89.8667% | 503 |
| Equity capital to assets | 9.4321% | 4,320 |
| Core capital (leverage) ratio | 9.5094% | 4,120 |
| Tier 1 risk-based capital ratio | 15.2759% | 2,760 |
| Total risk-based capital ratio | 16.5261% | 2,667 |
| Memoranda: | ||
| Average total assets | $189,859,000 | 2,996 |
| Average earning assets | $177,283,500 | 2,982 |
| Average equity | $17,420,500 | 3,432 |
| Average total loans | $111,754,000 | 3,138 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 3,294 |
| Cost of funding earning assets | 0.2139% | 4,950 |
| Net interest margin | 4.0317% | 1,883 |
| Noninterest income to average assets | 1.1961% | 642 |
| Noninterest expense to average assets | 3.0993% | 1,795 |
| Loan and lease loss provision to assets | 0.0981% | 2,215 |
| Net operating income to assets | 1.7775% | 586 |
| Return on assets (ROA) | 1.7775% | 583 |
| Pretax return on assets | 1.7775% | 981 |
| Return on Equity (ROE) | 21.0313% | 196 |
| Retained earnings to average equity (ytd only) | 11.0899% | 418 |
| Net charge-offs to loans | 0.0549% | 2,360 |
| Credit loss provision to net charge-offs | 324.5614% | 964 |
| Earnings coverage of net charge-offs (x) | 62.0351% | 1,006 |
| Efficiency ratio | 62.2988% | 3,466 |
| Assets per employee ($millions) | 4.4263% | 3,275 |
| Cash dividends to net income (ytd only)* | 47.2695% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,173 |
| Loan loss allowance to noncurrent loans | 5,411.5385% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,828 |
| Noncurrent loans to loans | 0.0235% | 4,676 |
| Net loans and leases to total assets | 57.2775% | 4,026 |
| Net loans and leases to deposits | 63.3815% | 4,286 |
| Net loans and leases to core deposits | 64.6408% | 4,425 |
| Total domestic deposits to total assets | 90.3695% | 357 |
| Equity capital to assets | 8.9202% | 4,638 |
| Core capital (leverage) ratio | 9.1997% | 4,458 |
| Tier 1 risk-based capital ratio | 15.4955% | 2,622 |
| Total risk-based capital ratio | 16.7320% | 2,552 |
| Memoranda: | ||
| Average total assets | $188,524,400 | 2,975 |
| Average earning assets | $176,697,600 | 2,959 |
| Average equity | $15,933,400 | 3,517 |
| Average total loans | $103,859,200 | 3,233 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 3,481 |
| Cost of funding earning assets | 0.1926% | 5,046 |
| Net interest margin | 3.9517% | 2,122 |
| Noninterest income to average assets | 1.1166% | 754 |
| Noninterest expense to average assets | 3.0633% | 1,850 |
| Loan and lease loss provision to assets | 0.0673% | 2,634 |
| Net operating income to assets | 1.6951% | 758 |
| Return on assets (ROA) | 1.6951% | 757 |
| Pretax return on assets | 1.6951% | 1,291 |
| Return on Equity (ROE) | 20.3412% | 252 |
| Retained earnings to average equity (ytd only) | 10.1833% | 867 |
| Net charge-offs to loans | 0.0235% | 2,663 |
| Credit loss provision to net charge-offs | 527.7778% | 666 |
| Earnings coverage of net charge-offs (x) | 138.1075% | 586 |
| Efficiency ratio | 63.4788% | 3,272 |
| Assets per employee ($millions) | 4.5972% | 2,979 |
| Cash dividends to net income (ytd only)* | 49.9373% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,275 |
| Loan loss allowance to noncurrent loans | 2,885.1064% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 4,863 |
| Noncurrent loans to loans | 0.0439% | 4,703 |
| Net loans and leases to total assets | 54.7392% | 4,308 |
| Net loans and leases to deposits | 60.2204% | 4,535 |
| Net loans and leases to core deposits | 61.3926% | 4,643 |
| Total domestic deposits to total assets | 90.8981% | 244 |
| Equity capital to assets | 8.3126% | 5,030 |
| Core capital (leverage) ratio | 9.0864% | 4,624 |
| Tier 1 risk-based capital ratio | 15.2534% | 2,760 |
| Total risk-based capital ratio | 16.4657% | 2,702 |
| Memoranda: | ||
| Average total assets | $188,072,250 | 3,003 |
| Average earning assets | $176,528,750 | 2,981 |
| Average equity | $15,672,250 | 3,571 |
| Average total loans | $102,217,750 | 3,289 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0383% | 3,655 |
| Cost of funding earning assets | 0.1680% | 5,164 |
| Net interest margin | 3.8703% | 2,312 |
| Noninterest income to average assets | 1.1084% | 781 |
| Noninterest expense to average assets | 3.0901% | 1,812 |
| Loan and lease loss provision to assets | 0.0590% | 2,724 |
| Net operating income to assets | 1.5933% | 930 |
| Return on assets (ROA) | 1.5933% | 939 |
| Pretax return on assets | 1.5933% | 1,521 |
| Return on Equity (ROE) | 19.1042% | 327 |
| Retained earnings to average equity (ytd only) | 9.3270% | 1,118 |
| Net charge-offs to loans | 0.0159% | 2,607 |
| Credit loss provision to net charge-offs | 687.5000% | 564 |
| Earnings coverage of net charge-offs (x) | 192.5000% | 428 |
| Efficiency ratio | 65.1584% | 3,130 |
| Assets per employee ($millions) | 4.3969% | 3,282 |
| Cash dividends to net income (ytd only)* | 51.1785% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,355 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 4,819 |
| Noncurrent loans to loans | 0.0744% | 4,588 |
| Net loans and leases to total assets | 54.7845% | 4,268 |
| Net loans and leases to deposits | 60.2637% | 4,514 |
| Net loans and leases to core deposits | 61.4612% | 4,634 |
| Total domestic deposits to total assets | 90.9080% | 273 |
| Equity capital to assets | 8.3362% | 5,056 |
| Core capital (leverage) ratio | 9.0066% | 4,682 |
| Tier 1 risk-based capital ratio | 15.0114% | 2,868 |
| Total risk-based capital ratio | 16.2112% | 2,816 |
| Memoranda: | ||
| Average total assets | $186,402,670 | 3,033 |
| Average earning assets | $175,025,330 | 3,011 |
| Average equity | $15,546,330 | 3,605 |
| Average total loans | $100,608,000 | 3,329 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,648 |
| Cost of funding earning assets | 0.1565% | 5,238 |
| Net interest margin | 3.8315% | 2,297 |
| Noninterest income to average assets | 1.1044% | 759 |
| Noninterest expense to average assets | 3.1167% | 1,778 |
| Loan and lease loss provision to assets | 0.0540% | 2,686 |
| Net operating income to assets | 1.5324% | 1,000 |
| Return on assets (ROA) | 1.5324% | 1,006 |
| Pretax return on assets | 1.5324% | 1,590 |
| Return on Equity (ROE) | 18.3691% | 374 |
| Retained earnings to average equity (ytd only) | 5.9330% | 2,737 |
| Net charge-offs to loans | -0.0041% | 3,941 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2684% | 3,113 |
| Assets per employee ($millions) | 4.4591% | 3,225 |
| Cash dividends to net income (ytd only)* | 67.7010% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 2,178 |
| Loan loss allowance to noncurrent loans | 1,219.6262% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 4,802 |
| Noncurrent loans to loans | 0.1078% | 4,493 |
| Net loans and leases to total assets | 53.5953% | 4,320 |
| Net loans and leases to deposits | 59.0425% | 4,535 |
| Net loans and leases to core deposits | 60.2578% | 4,641 |
| Total domestic deposits to total assets | 90.7741% | 391 |
| Equity capital to assets | 8.3863% | 5,056 |
| Core capital (leverage) ratio | 8.7789% | 4,917 |
| Tier 1 risk-based capital ratio | 15.2133% | 2,782 |
| Total risk-based capital ratio | 16.4469% | 2,722 |
| Memoranda: | ||
| Average total assets | $185,070,000 | 3,080 |
| Average earning assets | $173,824,500 | 3,053 |
| Average equity | $15,439,000 | 3,653 |
| Average total loans | $98,459,000 | 3,390 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 4,059 |
| Cost of funding earning assets | 0.1538% | 5,239 |
| Net interest margin | 3.6427% | 3,013 |
| Noninterest income to average assets | 1.0808% | 873 |
| Noninterest expense to average assets | 3.1030% | 1,853 |
| Loan and lease loss provision to assets | 0.1227% | 1,866 |
| Net operating income to assets | 1.2637% | 1,316 |
| Return on assets (ROA) | 1.2637% | 1,339 |
| Pretax return on assets | 1.2637% | 2,495 |
| Return on Equity (ROE) | 15.0671% | 598 |
| Retained earnings to average equity (ytd only) | 7.6133% | 888 |
| Net charge-offs to loans | -0.0183% | 4,936 |
| Credit loss provision to net charge-offs | -1,294.1176% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1180% | 2,676 |
| Assets per employee ($millions) | 4.3562% | 3,398 |
| Cash dividends to net income (ytd only)* | 49.4704% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 2,169 |
| Loan loss allowance to noncurrent loans | 1,801.4085% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 4,947 |
| Noncurrent loans to loans | 0.0727% | 4,675 |
| Net loans and leases to total assets | 51.4366% | 4,559 |
| Net loans and leases to deposits | 56.5936% | 4,766 |
| Net loans and leases to core deposits | 57.7274% | 4,859 |
| Total domestic deposits to total assets | 90.8877% | 270 |
| Equity capital to assets | 8.2993% | 5,261 |
| Core capital (leverage) ratio | 8.4853% | 5,149 |
| Tier 1 risk-based capital ratio | 15.2139% | 2,738 |
| Total risk-based capital ratio | 16.4404% | 2,685 |
| Memoranda: | ||
| Average total assets | $179,311,600 | 3,124 |
| Average earning assets | $167,788,800 | 3,103 |
| Average equity | $15,039,400 | 3,715 |
| Average total loans | $92,644,400 | 3,478 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 4,173 |
| Cost of funding earning assets | 0.1520% | 5,301 |
| Net interest margin | 3.5999% | 3,152 |
| Noninterest income to average assets | 1.0851% | 866 |
| Noninterest expense to average assets | 3.0838% | 1,846 |
| Loan and lease loss provision to assets | 0.1466% | 1,433 |
| Net operating income to assets | 1.2204% | 1,606 |
| Return on assets (ROA) | 1.2204% | 1,636 |
| Pretax return on assets | 1.2204% | 2,822 |
| Return on Equity (ROE) | 14.5107% | 735 |
| Retained earnings to average equity (ytd only) | 7.2598% | 1,562 |
| Net charge-offs to loans | -0.1167% | 5,420 |
| Credit loss provision to net charge-offs | -243.7500% | 4,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2854% | 2,655 |
| Assets per employee ($millions) | 4.3163% | 3,444 |
| Cash dividends to net income (ytd only)* | 49.9693% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 2,071 |
| Loan loss allowance to noncurrent loans | 393.1343% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 4,385 |
| Noncurrent loans to loans | 0.3465% | 3,706 |
| Net loans and leases to total assets | 51.3785% | 4,620 |
| Net loans and leases to deposits | 56.5061% | 4,845 |
| Net loans and leases to core deposits | 57.6484% | 4,927 |
| Total domestic deposits to total assets | 90.9256% | 203 |
| Equity capital to assets | 8.4052% | 5,340 |
| Core capital (leverage) ratio | 8.6451% | 5,116 |
| Tier 1 risk-based capital ratio | 14.8451% | 2,989 |
| Total risk-based capital ratio | 16.0952% | 2,916 |
| Memoranda: | ||
| Average total assets | $177,310,000 | 3,176 |
| Average earning assets | $165,778,750 | 3,153 |
| Average equity | $14,912,750 | 3,761 |
| Average total loans | $91,398,250 | 3,529 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 4,179 |
| Cost of funding earning assets | 0.1524% | 5,324 |
| Net interest margin | 3.5634% | 3,172 |
| Noninterest income to average assets | 1.1069% | 819 |
| Noninterest expense to average assets | 3.1716% | 1,648 |
| Loan and lease loss provision to assets | 0.1719% | 1,125 |
| Net operating income to assets | 1.0862% | 2,051 |
| Return on assets (ROA) | 1.0862% | 2,100 |
| Pretax return on assets | 1.0862% | 3,233 |
| Return on Equity (ROE) | 12.9123% | 1,057 |
| Retained earnings to average equity (ytd only) | 6.4425% | 1,879 |
| Net charge-offs to loans | -0.2544% | 5,615 |
| Credit loss provision to net charge-offs | -131.5789% | 4,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5986% | 2,416 |
| Assets per employee ($millions) | 4.1067% | 3,779 |
| Cash dividends to net income (ytd only)* | 50.1055% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,858 |
| Loan loss allowance to noncurrent loans | 302.3148% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 4,155 |
| Noncurrent loans to loans | 0.4702% | 3,332 |
| Net loans and leases to total assets | 51.2852% | 4,624 |
| Net loans and leases to deposits | 56.4687% | 4,839 |
| Net loans and leases to core deposits | 57.6705% | 4,928 |
| Total domestic deposits to total assets | 90.8205% | 265 |
| Equity capital to assets | 8.5543% | 5,263 |
| Core capital (leverage) ratio | 8.5783% | 5,165 |
| Tier 1 risk-based capital ratio | 15.1781% | 2,849 |
| Total risk-based capital ratio | 16.4287% | 2,789 |
| Memoranda: | ||
| Average total assets | $174,547,000 | 3,228 |
| Average earning assets | $162,764,000 | 3,204 |
| Average equity | $14,683,670 | 3,800 |
| Average total loans | $89,639,330 | 3,585 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6827% | 4,162 |
| Cost of funding earning assets | 0.1506% | 5,370 |
| Net interest margin | 3.5321% | 3,154 |
| Noninterest income to average assets | 1.0949% | 826 |
| Noninterest expense to average assets | 3.1719% | 1,691 |
| Loan and lease loss provision to assets | 0.1383% | 1,376 |
| Net operating income to assets | 1.0834% | 1,938 |
| Return on assets (ROA) | 1.0834% | 1,980 |
| Pretax return on assets | 1.0834% | 3,049 |
| Return on Equity (ROE) | 12.9902% | 1,001 |
| Retained earnings to average equity (ytd only) | 6.0805% | 2,289 |
| Net charge-offs to loans | 0.0723% | 1,606 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 33.1250% | 1,155 |
| Efficiency ratio | 72.1931% | 2,537 |
| Assets per employee ($millions) | 4.1381% | 3,780 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 3,215 |
| Loan loss allowance to noncurrent loans | 517.1429% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 4,791 |
| Noncurrent loans to loans | 0.2296% | 4,293 |
| Net loans and leases to total assets | 50.8011% | 4,602 |
| Net loans and leases to deposits | 55.7396% | 4,830 |
| Net loans and leases to core deposits | 57.1275% | 4,920 |
| Total domestic deposits to total assets | 91.1401% | 261 |
| Equity capital to assets | 8.2411% | 5,391 |
| Core capital (leverage) ratio | 8.6841% | 5,067 |
| Tier 1 risk-based capital ratio | 14.8489% | 3,048 |
| Total risk-based capital ratio | 15.9282% | 3,054 |
| Memoranda: | ||
| Average total assets | $173,526,000 | 3,275 |
| Average earning assets | $162,054,500 | 3,243 |
| Average equity | $14,472,500 | 3,851 |
| Average total loans | $88,524,000 | 3,630 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5064% | 4,761 |
| Cost of funding earning assets | 0.1508% | 5,420 |
| Net interest margin | 3.3556% | 3,980 |
| Noninterest income to average assets | 1.1301% | 896 |
| Noninterest expense to average assets | 3.2757% | 1,633 |
| Loan and lease loss provision to assets | 0.0979% | 2,414 |
| Net operating income to assets | 0.8861% | 2,899 |
| Return on assets (ROA) | 0.8861% | 3,015 |
| Pretax return on assets | 0.8861% | 3,890 |
| Return on Equity (ROE) | 10.2485% | 1,864 |
| Retained earnings to average equity (ytd only) | 5.9514% | 1,733 |
| Net charge-offs to loans | 0.2595% | 1,071 |
| Credit loss provision to net charge-offs | 76.7442% | 3,030 |
| Earnings coverage of net charge-offs (x) | 7.7116% | 2,974 |
| Efficiency ratio | 76.8984% | 1,865 |
| Assets per employee ($millions) | 4.0265% | 3,918 |
| Cash dividends to net income (ytd only)* | 41.9290% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 3,011 |
| Loan loss allowance to noncurrent loans | 890.5983% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 5,056 |
| Noncurrent loans to loans | 0.1367% | 4,682 |
| Net loans and leases to total assets | 49.9814% | 4,764 |
| Net loans and leases to deposits | 54.9641% | 4,968 |
| Net loans and leases to core deposits | 56.3143% | 5,039 |
| Total domestic deposits to total assets | 90.9346% | 301 |
| Equity capital to assets | 8.4445% | 5,312 |
| Core capital (leverage) ratio | 8.6235% | 5,147 |
| Tier 1 risk-based capital ratio | 15.5296% | 2,741 |
| Total risk-based capital ratio | 16.6289% | 2,734 |
| Memoranda: | ||
| Average total assets | $168,483,600 | 3,304 |
| Average earning assets | $157,140,000 | 3,278 |
| Average equity | $14,568,000 | 3,864 |
| Average total loans | $82,857,800 | 3,745 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4919% | 4,831 |
| Cost of funding earning assets | 0.1503% | 5,484 |
| Net interest margin | 3.3415% | 4,054 |
| Noninterest income to average assets | 1.1240% | 908 |
| Noninterest expense to average assets | 3.2523% | 1,672 |
| Loan and lease loss provision to assets | 0.0752% | 2,715 |
| Net operating income to assets | 0.9125% | 2,845 |
| Return on assets (ROA) | 0.9125% | 2,969 |
| Pretax return on assets | 0.9125% | 3,937 |
| Return on Equity (ROE) | 10.4917% | 1,873 |
| Retained earnings to average equity (ytd only) | 6.1930% | 2,064 |
| Net charge-offs to loans | 0.2969% | 772 |
| Credit loss provision to net charge-offs | 51.9126% | 3,009 |
| Earnings coverage of net charge-offs (x) | 6.8143% | 2,961 |
| Efficiency ratio | 76.7047% | 1,876 |
| Assets per employee ($millions) | 4.0434% | 3,889 |
| Cash dividends to net income (ytd only)* | 40.9724% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 3,276 |
| Loan loss allowance to noncurrent loans | 623.6025% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 5,061 |
| Noncurrent loans to loans | 0.1915% | 4,584 |
| Net loans and leases to total assets | 48.9215% | 4,899 |
| Net loans and leases to deposits | 54.1736% | 5,101 |
| Net loans and leases to core deposits | 55.6025% | 5,167 |
| Total domestic deposits to total assets | 90.3051% | 375 |
| Equity capital to assets | 8.9270% | 5,228 |
| Core capital (leverage) ratio | 8.6839% | 5,168 |
| Tier 1 risk-based capital ratio | 15.5231% | 2,823 |
| Total risk-based capital ratio | 16.5955% | 2,825 |
| Memoranda: | ||
| Average total assets | $168,325,750 | 3,323 |
| Average earning assets | $156,970,500 | 3,293 |
| Average equity | $14,639,750 | 3,891 |
| Average total loans | $82,180,250 | 3,775 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 4,915 |
| Cost of funding earning assets | 0.1509% | 5,542 |
| Net interest margin | 3.3337% | 4,103 |
| Noninterest income to average assets | 1.1071% | 914 |
| Noninterest expense to average assets | 3.2796% | 1,635 |
| Loan and lease loss provision to assets | 0.0834% | 2,473 |
| Net operating income to assets | 0.8509% | 3,093 |
| Return on assets (ROA) | 0.8509% | 3,213 |
| Pretax return on assets | 0.8509% | 4,118 |
| Return on Equity (ROE) | 9.8712% | 2,104 |
| Retained earnings to average equity (ytd only) | 3.9264% | 3,399 |
| Net charge-offs to loans | 0.4145% | 551 |
| Credit loss provision to net charge-offs | 41.4201% | 2,755 |
| Earnings coverage of net charge-offs (x) | 4.6391% | 2,967 |
| Efficiency ratio | 77.8281% | 1,817 |
| Assets per employee ($millions) | 3.9623% | 3,981 |
| Cash dividends to net income (ytd only)* | 60.2241% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 3,372 |
| Loan loss allowance to noncurrent loans | 7,092.8571% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 5,595 |
| Noncurrent loans to loans | 0.0169% | 5,413 |
| Net loans and leases to total assets | 49.1828% | 4,895 |
| Net loans and leases to deposits | 54.4028% | 5,111 |
| Net loans and leases to core deposits | 55.7665% | 5,187 |
| Total domestic deposits to total assets | 90.4049% | 349 |
| Equity capital to assets | 8.9780% | 5,253 |
| Core capital (leverage) ratio | 8.4219% | 5,431 |
| Tier 1 risk-based capital ratio | 15.2991% | 2,939 |
| Total risk-based capital ratio | 16.3738% | 2,952 |
| Memoranda: | ||
| Average total assets | $167,827,330 | 3,345 |
| Average earning assets | $156,403,330 | 3,320 |
| Average equity | $14,466,330 | 3,939 |
| Average total loans | $81,546,000 | 3,807 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 4,920 |
| Cost of funding earning assets | 0.1496% | 5,614 |
| Net interest margin | 3.3350% | 4,093 |
| Noninterest income to average assets | 1.0514% | 980 |
| Noninterest expense to average assets | 3.3038% | 1,594 |
| Loan and lease loss provision to assets | 0.0356% | 3,186 |
| Net operating income to assets | 0.8331% | 3,072 |
| Return on assets (ROA) | 0.8331% | 3,204 |
| Pretax return on assets | 0.8331% | 4,091 |
| Return on Equity (ROE) | 9.8672% | 2,043 |
| Retained earnings to average equity (ytd only) | 0.5903% | 4,970 |
| Net charge-offs to loans | -0.3263% | 5,949 |
| Credit loss provision to net charge-offs | -22.7273% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1809% | 1,717 |
| Assets per employee ($millions) | 4.0602% | 3,843 |
| Cash dividends to net income (ytd only)* | 94.0171% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 2,329 |
| Loan loss allowance to noncurrent loans | 120.9278% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5688% | 3,357 |
| Noncurrent loans to loans | 1.1749% | 2,063 |
| Net loans and leases to total assets | 47.7262% | 4,987 |
| Net loans and leases to deposits | 52.4512% | 5,200 |
| Net loans and leases to core deposits | 53.7247% | 5,271 |
| Total domestic deposits to total assets | 90.9916% | 279 |
| Equity capital to assets | 8.4291% | 5,615 |
| Core capital (leverage) ratio | 8.3275% | 5,543 |
| Tier 1 risk-based capital ratio | 14.8280% | 3,232 |
| Total risk-based capital ratio | 16.0773% | 3,172 |
| Memoranda: | ||
| Average total assets | $168,532,000 | 3,349 |
| Average earning assets | $157,723,000 | 3,317 |
| Average equity | $14,229,000 | 3,981 |
| Average total loans | $80,898,000 | 3,834 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1319% | 5,602 |
| Cost of funding earning assets | 0.1669% | 5,559 |
| Net interest margin | 2.9650% | 5,217 |
| Noninterest income to average assets | 0.9917% | 1,198 |
| Noninterest expense to average assets | 3.0228% | 2,470 |
| Loan and lease loss provision to assets | 0.0349% | 3,650 |
| Net operating income to assets | 0.6792% | 3,909 |
| Return on assets (ROA) | 0.6792% | 4,003 |
| Pretax return on assets | 0.7001% | 4,532 |
| Return on Equity (ROE) | 8.4737% | 2,721 |
| Retained earnings to average equity (ytd only) | 2.9865% | 3,939 |
| Net charge-offs to loans | 0.2144% | 1,374 |
| Credit loss provision to net charge-offs | 36.8098% | 3,569 |
| Earnings coverage of net charge-offs (x) | 7.7607% | 3,042 |
| Efficiency ratio | 80.4422% | 1,615 |
| Assets per employee ($millions) | 3.9651% | 4,000 |
| Cash dividends to net income (ytd only)* | 64.7562% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 2,521 |
| Loan loss allowance to noncurrent loans | 64.8071% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 2,170 |
| Noncurrent loans to loans | 2.1266% | 956 |
| Net loans and leases to total assets | 46.9235% | 5,099 |
| Net loans and leases to deposits | 51.5768% | 5,304 |
| Net loans and leases to core deposits | 52.8600% | 5,379 |
| Total domestic deposits to total assets | 90.9779% | 284 |
| Equity capital to assets | 8.4571% | 5,595 |
| Core capital (leverage) ratio | 8.3835% | 5,539 |
| Tier 1 risk-based capital ratio | 15.3295% | 3,028 |
| Total risk-based capital ratio | 16.5378% | 2,977 |
| Memoranda: | ||
| Average total assets | $172,123,000 | 3,273 |
| Average earning assets | $160,574,800 | 3,250 |
| Average equity | $13,795,600 | 4,011 |
| Average total loans | $76,009,800 | 3,939 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0682% | 5,746 |
| Cost of funding earning assets | 0.1721% | 5,614 |
| Net interest margin | 2.8960% | 5,425 |
| Noninterest income to average assets | 0.9175% | 1,407 |
| Noninterest expense to average assets | 2.9575% | 2,648 |
| Loan and lease loss provision to assets | 0.0346% | 3,533 |
| Net operating income to assets | 0.6070% | 4,351 |
| Return on assets (ROA) | 0.6070% | 4,448 |
| Pretax return on assets | 0.6270% | 4,904 |
| Return on Equity (ROE) | 7.6752% | 3,241 |
| Retained earnings to average equity (ytd only) | 0.5829% | 5,442 |
| Net charge-offs to loans | 0.1773% | 1,415 |
| Credit loss provision to net charge-offs | 45.0000% | 3,100 |
| Earnings coverage of net charge-offs (x) | 8.6100% | 2,788 |
| Efficiency ratio | 81.7197% | 1,435 |
| Assets per employee ($millions) | 3.8514% | 4,175 |
| Cash dividends to net income (ytd only)* | 92.4049% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 2,198 |
| Loan loss allowance to noncurrent loans | 75.7979% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.1159% | 2,125 |
| Noncurrent loans to loans | 1.9669% | 1,184 |
| Net loans and leases to total assets | 45.4834% | 5,263 |
| Net loans and leases to deposits | 50.0296% | 5,467 |
| Net loans and leases to core deposits | 51.4923% | 5,522 |
| Total domestic deposits to total assets | 90.9130% | 265 |
| Equity capital to assets | 8.3854% | 5,774 |
| Core capital (leverage) ratio | 7.9186% | 5,938 |
| Tier 1 risk-based capital ratio | 15.3322% | 3,122 |
| Total risk-based capital ratio | 16.5824% | 3,052 |
| Memoranda: | ||
| Average total assets | $173,520,000 | 3,283 |
| Average earning assets | $161,872,500 | 3,256 |
| Average equity | $13,723,500 | 4,064 |
| Average total loans | $75,203,250 | 4,001 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9853% | 5,873 |
| Cost of funding earning assets | 0.1740% | 5,658 |
| Net interest margin | 2.8114% | 5,591 |
| Noninterest income to average assets | 0.9719% | 1,238 |
| Noninterest expense to average assets | 2.8463% | 3,078 |
| Loan and lease loss provision to assets | 0.0341% | 3,431 |
| Net operating income to assets | 0.6960% | 3,908 |
| Return on assets (ROA) | 0.6960% | 4,025 |
| Pretax return on assets | 0.7153% | 4,609 |
| Return on Equity (ROE) | 8.9692% | 2,564 |
| Retained earnings to average equity (ytd only) | -0.6877% | 5,642 |
| Net charge-offs to loans | 0.1685% | 1,459 |
| Credit loss provision to net charge-offs | 47.6190% | 2,730 |
| Earnings coverage of net charge-offs (x) | 10.4762% | 2,357 |
| Efficiency ratio | 79.1601% | 1,889 |
| Assets per employee ($millions) | 4.1434% | 3,581 |
| Cash dividends to net income (ytd only)* | 107.6672% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 1,995 |
| Loan loss allowance to noncurrent loans | 62.5404% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.3389% | 1,874 |
| Noncurrent loans to loans | 2.5178% | 884 |
| Net loans and leases to total assets | 41.7386% | 5,519 |
| Net loans and leases to deposits | 45.5826% | 5,701 |
| Net loans and leases to core deposits | 47.2048% | 5,715 |
| Total domestic deposits to total assets | 91.5671% | 172 |
| Equity capital to assets | 7.8174% | 6,039 |
| Core capital (leverage) ratio | 7.5897% | 6,075 |
| Tier 1 risk-based capital ratio | 16.6443% | 2,539 |
| Total risk-based capital ratio | 17.8968% | 2,494 |
| Memoranda: | ||
| Average total assets | $176,156,670 | 3,266 |
| Average earning assets | $164,404,330 | 3,246 |
| Average equity | $13,669,000 | 4,100 |
| Average total loans | $74,782,670 | 4,036 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9376% | 5,962 |
| Cost of funding earning assets | 0.1762% | 5,709 |
| Net interest margin | 2.7614% | 5,720 |
| Noninterest income to average assets | 0.9637% | 1,204 |
| Noninterest expense to average assets | 2.8416% | 3,096 |
| Loan and lease loss provision to assets | 0.0339% | 3,215 |
| Net operating income to assets | 0.6500% | 4,045 |
| Return on assets (ROA) | 0.6500% | 4,167 |
| Pretax return on assets | 0.6703% | 4,690 |
| Return on Equity (ROE) | 8.4078% | 2,751 |
| Retained earnings to average equity (ytd only) | -4.7294% | 5,918 |
| Net charge-offs to loans | 0.0266% | 2,639 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 62.4000% | 716 |
| Efficiency ratio | 80.1400% | 1,886 |
| Assets per employee ($millions) | 4.2092% | 3,550 |
| Cash dividends to net income (ytd only)* | 156.2500% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 1,968 |
| Loan loss allowance to noncurrent loans | 62.9243% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.3530% | 1,966 |
| Noncurrent loans to loans | 2.5776% | 928 |
| Net loans and leases to total assets | 41.3426% | 5,525 |
| Net loans and leases to deposits | 45.0749% | 5,706 |
| Net loans and leases to core deposits | 46.6500% | 5,723 |
| Total domestic deposits to total assets | 91.7199% | 189 |
| Equity capital to assets | 7.7534% | 6,113 |
| Core capital (leverage) ratio | 7.5785% | 6,120 |
| Tier 1 risk-based capital ratio | 16.3525% | 2,753 |
| Total risk-based capital ratio | 17.6048% | 2,690 |
| Memoranda: | ||
| Average total assets | $177,224,500 | 3,273 |
| Average earning assets | $165,714,500 | 3,241 |
| Average equity | $13,701,500 | 4,126 |
| Average total loans | $75,276,000 | 4,041 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4005% | 5,532 |
| Cost of funding earning assets | 0.1972% | 5,770 |
| Net interest margin | 3.2034% | 4,909 |
| Noninterest income to average assets | 1.2111% | 813 |
| Noninterest expense to average assets | 3.1271% | 2,430 |
| Loan and lease loss provision to assets | 0.0714% | 3,056 |
| Net operating income to assets | 0.9418% | 2,662 |
| Return on assets (ROA) | 0.9418% | 2,756 |
| Pretax return on assets | 0.9651% | 3,627 |
| Return on Equity (ROE) | 11.0933% | 1,699 |
| Retained earnings to average equity (ytd only) | 7.7676% | 1,100 |
| Net charge-offs to loans | 0.4948% | 835 |
| Credit loss provision to net charge-offs | 30.3867% | 3,830 |
| Earnings coverage of net charge-offs (x) | 4.4116% | 3,659 |
| Efficiency ratio | 75.1052% | 2,650 |
| Assets per employee ($millions) | 4.2301% | 3,477 |
| Cash dividends to net income (ytd only)* | 29.9793% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5670% | 2,204 |
| Loan loss allowance to noncurrent loans | 66.4258% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.2833% | 2,196 |
| Noncurrent loans to loans | 2.3591% | 1,101 |
| Net loans and leases to total assets | 42.2508% | 5,599 |
| Net loans and leases to deposits | 46.0431% | 5,793 |
| Net loans and leases to core deposits | 48.1010% | 5,809 |
| Total domestic deposits to total assets | 91.7636% | 183 |
| Equity capital to assets | 7.7090% | 6,172 |
| Core capital (leverage) ratio | 7.8971% | 6,057 |
| Tier 1 risk-based capital ratio | 14.9087% | 3,536 |
| Total risk-based capital ratio | 16.1598% | 3,471 |
| Memoranda: | ||
| Average total assets | $154,074,600 | 3,572 |
| Average earning assets | $142,007,200 | 3,567 |
| Average equity | $13,080,000 | 4,177 |
| Average total loans | $73,158,400 | 4,092 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5289% | 5,325 |
| Cost of funding earning assets | 0.2011% | 5,816 |
| Net interest margin | 3.3279% | 4,515 |
| Noninterest income to average assets | 1.1697% | 880 |
| Noninterest expense to average assets | 3.2348% | 2,074 |
| Loan and lease loss provision to assets | 0.0855% | 2,647 |
| Net operating income to assets | 0.8773% | 3,035 |
| Return on assets (ROA) | 0.8773% | 3,131 |
| Pretax return on assets | 0.9025% | 3,971 |
| Return on Equity (ROE) | 10.0570% | 2,192 |
| Retained earnings to average equity (ytd only) | 6.3952% | 2,169 |
| Net charge-offs to loans | 0.5784% | 645 |
| Credit loss provision to net charge-offs | 30.2548% | 3,450 |
| Earnings coverage of net charge-offs (x) | 3.4968% | 3,648 |
| Efficiency ratio | 76.6035% | 2,399 |
| Assets per employee ($millions) | 4.0783% | 3,711 |
| Cash dividends to net income (ytd only)* | 36.4101% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 1,871 |
| Loan loss allowance to noncurrent loans | 60.7620% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 1.9598% | 1,474 |
| Noncurrent loans to loans | 2.8552% | 955 |
| Net loans and leases to total assets | 41.5965% | 5,708 |
| Net loans and leases to deposits | 45.4967% | 5,900 |
| Net loans and leases to core deposits | 47.7847% | 5,894 |
| Total domestic deposits to total assets | 91.4276% | 251 |
| Equity capital to assets | 7.9331% | 6,165 |
| Core capital (leverage) ratio | 8.3132% | 5,829 |
| Tier 1 risk-based capital ratio | 15.4111% | 3,366 |
| Total risk-based capital ratio | 16.6645% | 3,297 |
| Memoranda: | ||
| Average total assets | $148,177,500 | 3,687 |
| Average earning assets | $135,939,750 | 3,686 |
| Average equity | $12,926,000 | 4,233 |
| Average total loans | $72,383,250 | 4,146 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6654% | 4,961 |
| Cost of funding earning assets | 0.2032% | 5,881 |
| Net interest margin | 3.4622% | 3,927 |
| Noninterest income to average assets | 1.2085% | 799 |
| Noninterest expense to average assets | 3.3758% | 1,735 |
| Loan and lease loss provision to assets | 0.0987% | 2,381 |
| Net operating income to assets | 0.8785% | 2,916 |
| Return on assets (ROA) | 0.8785% | 3,004 |
| Pretax return on assets | 0.9053% | 3,874 |
| Return on Equity (ROE) | 9.7245% | 2,270 |
| Retained earnings to average equity (ytd only) | 5.4320% | 2,684 |
| Net charge-offs to loans | 0.6665% | 576 |
| Credit loss provision to net charge-offs | 28.8066% | 3,073 |
| Earnings coverage of net charge-offs (x) | 2.9300% | 3,428 |
| Efficiency ratio | 77.0766% | 2,440 |
| Assets per employee ($millions) | 3.5754% | 4,707 |
| Cash dividends to net income (ytd only)* | 44.1413% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 1,935 |
| Loan loss allowance to noncurrent loans | 50.2961% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 2.2116% | 1,371 |
| Noncurrent loans to loans | 3.5139% | 750 |
| Net loans and leases to total assets | 48.3062% | 5,148 |
| Net loans and leases to deposits | 53.4229% | 5,394 |
| Net loans and leases to core deposits | 56.9091% | 5,353 |
| Total domestic deposits to total assets | 90.4223% | 613 |
| Equity capital to assets | 8.9037% | 5,404 |
| Core capital (leverage) ratio | 8.7476% | 5,345 |
| Tier 1 risk-based capital ratio | 15.0705% | 3,596 |
| Total risk-based capital ratio | 16.3234% | 3,540 |
| Memoranda: | ||
| Average total assets | $141,833,000 | 3,821 |
| Average earning assets | $129,917,670 | 3,811 |
| Average equity | $12,813,000 | 4,261 |
| Average total loans | $72,917,000 | 4,137 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 4,815 |
| Cost of funding earning assets | 0.2009% | 5,989 |
| Net interest margin | 3.5088% | 3,655 |
| Noninterest income to average assets | 1.2248% | 733 |
| Noninterest expense to average assets | 3.4707% | 1,546 |
| Loan and lease loss provision to assets | 0.1578% | 1,543 |
| Net operating income to assets | 0.7744% | 3,284 |
| Return on assets (ROA) | 0.7744% | 3,366 |
| Pretax return on assets | 0.8031% | 4,096 |
| Return on Equity (ROE) | 8.5083% | 2,681 |
| Retained earnings to average equity (ytd only) | 2.9937% | 4,314 |
| Net charge-offs to loans | 0.0709% | 2,441 |
| Credit loss provision to net charge-offs | 423.0769% | 624 |
| Earnings coverage of net charge-offs (x) | 25.7692% | 1,140 |
| Efficiency ratio | 78.3172% | 2,436 |
| Assets per employee ($millions) | 3.3859% | 5,179 |
| Cash dividends to net income (ytd only)* | 64.8148% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0260% | 1,465 |
| Loan loss allowance to noncurrent loans | 91.3497% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.6448% | 2,147 |
| Noncurrent loans to loans | 2.2179% | 1,632 |
| Net loans and leases to total assets | 50.6343% | 4,838 |
| Net loans and leases to deposits | 55.9823% | 5,117 |
| Net loans and leases to core deposits | 59.6058% | 5,071 |
| Total domestic deposits to total assets | 90.4470% | 831 |
| Equity capital to assets | 8.9581% | 5,159 |
| Core capital (leverage) ratio | 8.9987% | 5,014 |
| Tier 1 risk-based capital ratio | 14.6074% | 3,941 |
| Total risk-based capital ratio | 15.8638% | 3,888 |
| Memoranda: | ||
| Average total assets | $139,454,500 | 3,886 |
| Average earning assets | $127,451,500 | 3,902 |
| Average equity | $12,693,500 | 4,296 |
| Average total loans | $73,332,500 | 4,157 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 4,378 |
| Cost of funding earning assets | 0.2323% | 6,081 |
| Net interest margin | 3.6901% | 3,098 |
| Noninterest income to average assets | 1.3637% | 750 |
| Noninterest expense to average assets | 3.5358% | 1,581 |
| Loan and lease loss provision to assets | 0.2829% | 1,219 |
| Net operating income to assets | 0.8895% | 2,835 |
| Return on assets (ROA) | 0.8895% | 2,927 |
| Pretax return on assets | 0.9156% | 3,695 |
| Return on Equity (ROE) | 9.5007% | 2,327 |
| Retained earnings to average equity (ytd only) | 4.7146% | 2,804 |
| Net charge-offs to loans | 0.5364% | 1,236 |
| Credit loss provision to net charge-offs | 98.1912% | 2,531 |
| Earnings coverage of net charge-offs (x) | 4.1602% | 3,654 |
| Efficiency ratio | 74.6855% | 3,013 |
| Assets per employee ($millions) | 3.2548% | 5,382 |
| Cash dividends to net income (ytd only)* | 50.3766% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9776% | 1,606 |
| Loan loss allowance to noncurrent loans | 51.6601% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 2.5113% | 1,362 |
| Noncurrent loans to loans | 3.8280% | 777 |
| Net loans and leases to total assets | 52.4670% | 4,792 |
| Net loans and leases to deposits | 58.2861% | 5,100 |
| Net loans and leases to core deposits | 61.0225% | 5,142 |
| Total domestic deposits to total assets | 90.0163% | 1,064 |
| Equity capital to assets | 9.2522% | 4,744 |
| Core capital (leverage) ratio | 8.9107% | 5,130 |
| Tier 1 risk-based capital ratio | 14.7018% | 3,842 |
| Total risk-based capital ratio | 15.9582% | 3,779 |
| Memoranda: | ||
| Average total assets | $134,338,600 | 3,992 |
| Average earning assets | $122,706,200 | 3,998 |
| Average equity | $12,578,000 | 4,337 |
| Average total loans | $72,153,800 | 4,187 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 4,474 |
| Cost of funding earning assets | 0.2400% | 6,156 |
| Net interest margin | 3.6669% | 3,166 |
| Noninterest income to average assets | 1.3877% | 758 |
| Noninterest expense to average assets | 3.5419% | 1,519 |
| Loan and lease loss provision to assets | 0.1844% | 1,972 |
| Net operating income to assets | 0.9949% | 2,394 |
| Return on assets (ROA) | 0.9949% | 2,482 |
| Pretax return on assets | 1.0118% | 3,464 |
| Return on Equity (ROE) | 10.5938% | 1,963 |
| Retained earnings to average equity (ytd only) | 7.6640% | 1,563 |
| Net charge-offs to loans | 0.6917% | 870 |
| Credit loss provision to net charge-offs | 49.5979% | 3,512 |
| Earnings coverage of net charge-offs (x) | 3.2172% | 3,765 |
| Efficiency ratio | 74.7528% | 2,942 |
| Assets per employee ($millions) | 3.2832% | 5,318 |
| Cash dividends to net income (ytd only)* | 27.6553% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 2,532 |
| Loan loss allowance to noncurrent loans | 57.8082% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.0501% | 1,969 |
| Noncurrent loans to loans | 2.9879% | 1,351 |
| Net loans and leases to total assets | 52.2358% | 4,849 |
| Net loans and leases to deposits | 58.0171% | 5,190 |
| Net loans and leases to core deposits | 60.2832% | 5,274 |
| Total domestic deposits to total assets | 90.0351% | 976 |
| Equity capital to assets | 9.2520% | 4,858 |
| Core capital (leverage) ratio | 9.1743% | 4,872 |
| Tier 1 risk-based capital ratio | 14.7355% | 3,925 |
| Total risk-based capital ratio | 15.9889% | 3,884 |
| Memoranda: | ||
| Average total assets | $133,747,500 | 4,038 |
| Average earning assets | $122,207,000 | 4,047 |
| Average equity | $12,560,500 | 4,388 |
| Average total loans | $71,899,500 | 4,233 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9005% | 4,472 |
| Cost of funding earning assets | 0.2462% | 6,201 |
| Net interest margin | 3.6544% | 3,159 |
| Noninterest income to average assets | 1.3508% | 859 |
| Noninterest expense to average assets | 3.5281% | 1,540 |
| Loan and lease loss provision to assets | 0.2115% | 1,793 |
| Net operating income to assets | 0.9398% | 2,618 |
| Return on assets (ROA) | 0.9398% | 2,763 |
| Pretax return on assets | 0.9534% | 3,703 |
| Return on Equity (ROE) | 9.9562% | 2,215 |
| Retained earnings to average equity (ytd only) | 5.5384% | 2,717 |
| Net charge-offs to loans | 0.8147% | 774 |
| Credit loss provision to net charge-offs | 48.1100% | 3,253 |
| Earnings coverage of net charge-offs (x) | 2.6495% | 3,637 |
| Efficiency ratio | 75.1771% | 2,923 |
| Assets per employee ($millions) | 3.0064% | 5,846 |
| Cash dividends to net income (ytd only)* | 44.3730% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 2,401 |
| Loan loss allowance to noncurrent loans | 49.4685% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.3419% | 1,836 |
| Noncurrent loans to loans | 3.6620% | 1,116 |
| Net loans and leases to total assets | 53.3893% | 4,678 |
| Net loans and leases to deposits | 59.3492% | 5,035 |
| Net loans and leases to core deposits | 61.7713% | 5,119 |
| Total domestic deposits to total assets | 89.9579% | 1,051 |
| Equity capital to assets | 9.3504% | 4,782 |
| Core capital (leverage) ratio | 9.2462% | 4,631 |
| Tier 1 risk-based capital ratio | 14.7804% | 3,922 |
| Total risk-based capital ratio | 16.0339% | 3,884 |
| Memoranda: | ||
| Average total assets | $132,365,330 | 4,090 |
| Average earning assets | $121,060,330 | 4,098 |
| Average equity | $12,494,670 | 4,427 |
| Average total loans | $71,434,000 | 4,257 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9229% | 4,394 |
| Cost of funding earning assets | 0.2545% | 6,264 |
| Net interest margin | 3.6684% | 2,995 |
| Noninterest income to average assets | 1.1359% | 1,163 |
| Noninterest expense to average assets | 3.5587% | 1,500 |
| Loan and lease loss provision to assets | 0.2719% | 1,300 |
| Net operating income to assets | 0.6586% | 3,908 |
| Return on assets (ROA) | 0.6586% | 4,071 |
| Pretax return on assets | 0.6586% | 4,759 |
| Return on Equity (ROE) | 6.9441% | 3,518 |
| Retained earnings to average equity (ytd only) | 0.5734% | 5,601 |
| Net charge-offs to loans | 1.6070% | 323 |
| Credit loss provision to net charge-offs | 31.4685% | 2,868 |
| Earnings coverage of net charge-offs (x) | 1.0769% | 3,479 |
| Efficiency ratio | 79.2732% | 2,432 |
| Assets per employee ($millions) | 2.9768% | 6,030 |
| Cash dividends to net income (ytd only)* | 91.7431% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 2,668 |
| Loan loss allowance to noncurrent loans | 48.5152% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 2.3340% | 1,991 |
| Noncurrent loans to loans | 3.6806% | 1,282 |
| Net loans and leases to total assets | 52.8280% | 4,579 |
| Net loans and leases to deposits | 58.8311% | 4,937 |
| Net loans and leases to core deposits | 61.2609% | 5,019 |
| Total domestic deposits to total assets | 89.7960% | 1,167 |
| Equity capital to assets | 9.5718% | 4,752 |
| Core capital (leverage) ratio | 9.0375% | 4,823 |
| Tier 1 risk-based capital ratio | 14.6523% | 4,066 |
| Total risk-based capital ratio | 15.9058% | 4,028 |
| Memoranda: | ||
| Average total assets | $132,406,500 | 4,130 |
| Average earning assets | $121,033,000 | 4,134 |
| Average equity | $12,557,500 | 4,462 |
| Average total loans | $71,187,000 | 4,302 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 4,953 |
| Cost of funding earning assets | 0.3369% | 6,283 |
| Net interest margin | 3.7623% | 3,383 |
| Noninterest income to average assets | 1.2087% | 1,078 |
| Noninterest expense to average assets | 3.6061% | 1,593 |
| Loan and lease loss provision to assets | 0.6400% | 837 |
| Net operating income to assets | 0.3924% | 5,133 |
| Return on assets (ROA) | 0.3924% | 5,370 |
| Pretax return on assets | 0.3863% | 5,606 |
| Return on Equity (ROE) | 4.0269% | 5,128 |
| Retained earnings to average equity (ytd only) | 1.0775% | 5,334 |
| Net charge-offs to loans | 0.6771% | 1,741 |
| Credit loss provision to net charge-offs | 183.1140% | 1,437 |
| Earnings coverage of net charge-offs (x) | 2.9364% | 3,960 |
| Efficiency ratio | 77.8458% | 2,471 |
| Assets per employee ($millions) | 2.9741% | 6,050 |
| Cash dividends to net income (ytd only)* | 73.2422% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0216% | 1,964 |
| Loan loss allowance to noncurrent loans | 84.8803% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.6266% | 2,959 |
| Noncurrent loans to loans | 2.3817% | 2,248 |
| Net loans and leases to total assets | 52.6536% | 4,816 |
| Net loans and leases to deposits | 58.5096% | 5,183 |
| Net loans and leases to core deposits | 60.8667% | 5,286 |
| Total domestic deposits to total assets | 89.9914% | 956 |
| Equity capital to assets | 9.3981% | 5,001 |
| Core capital (leverage) ratio | 8.9074% | 5,034 |
| Tier 1 risk-based capital ratio | 14.4110% | 4,087 |
| Total risk-based capital ratio | 15.6678% | 4,039 |
| Memoranda: | ||
| Average total assets | $130,473,600 | 4,140 |
| Average earning assets | $118,731,000 | 4,134 |
| Average equity | $12,714,600 | 4,414 |
| Average total loans | $67,346,000 | 4,443 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 5,185 |
| Cost of funding earning assets | 0.3609% | 6,326 |
| Net interest margin | 3.7390% | 3,613 |
| Noninterest income to average assets | 1.2064% | 1,038 |
| Noninterest expense to average assets | 3.6286% | 1,503 |
| Loan and lease loss provision to assets | 0.2777% | 2,348 |
| Net operating income to assets | 0.6994% | 3,923 |
| Return on assets (ROA) | 0.6994% | 4,166 |
| Pretax return on assets | 0.6994% | 4,862 |
| Return on Equity (ROE) | 7.1116% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.0658% | 2,661 |
| Net charge-offs to loans | 0.8721% | 1,260 |
| Credit loss provision to net charge-offs | 62.3557% | 4,092 |
| Earnings coverage of net charge-offs (x) | 2.1940% | 4,163 |
| Efficiency ratio | 78.7852% | 2,265 |
| Assets per employee ($millions) | 2.9227% | 6,180 |
| Cash dividends to net income (ytd only)* | 14.7059% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 4,703 |
| Loan loss allowance to noncurrent loans | 120.1581% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.9097% | 4,460 |
| Noncurrent loans to loans | 1.1026% | 4,220 |
| Net loans and leases to total assets | 50.5225% | 5,251 |
| Net loans and leases to deposits | 56.4383% | 5,594 |
| Net loans and leases to core deposits | 58.7136% | 5,687 |
| Total domestic deposits to total assets | 89.5182% | 1,115 |
| Equity capital to assets | 9.7692% | 4,820 |
| Core capital (leverage) ratio | 9.3236% | 4,541 |
| Tier 1 risk-based capital ratio | 15.3110% | 3,641 |
| Total risk-based capital ratio | 16.4484% | 3,655 |
| Memoranda: | ||
| Average total assets | $129,633,250 | 4,196 |
| Average earning assets | $117,854,250 | 4,202 |
| Average equity | $12,748,750 | 4,455 |
| Average total loans | $66,201,750 | 4,542 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 5,267 |
| Cost of funding earning assets | 0.3908% | 6,322 |
| Net interest margin | 3.7235% | 3,712 |
| Noninterest income to average assets | 1.2044% | 989 |
| Noninterest expense to average assets | 3.6695% | 1,432 |
| Loan and lease loss provision to assets | 0.2812% | 2,331 |
| Net operating income to assets | 0.6327% | 4,210 |
| Return on assets (ROA) | 0.6327% | 4,457 |
| Pretax return on assets | 0.6327% | 5,015 |
| Return on Equity (ROE) | 6.4182% | 4,085 |
| Retained earnings to average equity (ytd only) | 4.8335% | 3,379 |
| Net charge-offs to loans | 1.0379% | 1,057 |
| Credit loss provision to net charge-offs | 53.0973% | 3,975 |
| Earnings coverage of net charge-offs (x) | 1.7257% | 4,120 |
| Efficiency ratio | 80.0613% | 2,161 |
| Assets per employee ($millions) | 3.0473% | 5,963 |
| Cash dividends to net income (ytd only)* | 24.6914% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 4,652 |
| Loan loss allowance to noncurrent loans | 170.5773% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8197% | 4,761 |
| Noncurrent loans to loans | 0.7938% | 4,927 |
| Net loans and leases to total assets | 49.7729% | 5,382 |
| Net loans and leases to deposits | 55.4074% | 5,717 |
| Net loans and leases to core deposits | 57.4899% | 5,813 |
| Total domestic deposits to total assets | 89.8308% | 1,026 |
| Equity capital to assets | 9.5017% | 5,057 |
| Core capital (leverage) ratio | 9.4231% | 4,264 |
| Tier 1 risk-based capital ratio | 15.1180% | 3,690 |
| Total risk-based capital ratio | 16.2718% | 3,713 |
| Memoranda: | ||
| Average total assets | $128,030,000 | 4,250 |
| Average earning assets | $116,181,670 | 4,270 |
| Average equity | $12,620,330 | 4,475 |
| Average total loans | $65,323,670 | 4,594 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 4,772 |
| Cost of funding earning assets | 0.4151% | 6,339 |
| Net interest margin | 3.8767% | 3,023 |
| Noninterest income to average assets | 1.2096% | 979 |
| Noninterest expense to average assets | 3.7503% | 1,297 |
| Loan and lease loss provision to assets | 0.2880% | 2,158 |
| Net operating income to assets | 0.6976% | 3,892 |
| Return on assets (ROA) | 0.6976% | 4,110 |
| Pretax return on assets | 0.6976% | 4,799 |
| Return on Equity (ROE) | 6.9424% | 3,815 |
| Retained earnings to average equity (ytd only) | 3.7578% | 4,334 |
| Net charge-offs to loans | -0.1309% | 6,878 |
| Credit loss provision to net charge-offs | -428.5714% | 5,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1892% | 2,317 |
| Assets per employee ($millions) | 2.8798% | 6,387 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8280% | 2,895 |
| Loan loss allowance to noncurrent loans | 77.5670% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.6502% | 3,378 |
| Noncurrent loans to loans | 2.3567% | 2,741 |
| Net loans and leases to total assets | 50.2671% | 5,266 |
| Net loans and leases to deposits | 56.1933% | 5,579 |
| Net loans and leases to core deposits | 58.4413% | 5,678 |
| Total domestic deposits to total assets | 89.4540% | 1,397 |
| Equity capital to assets | 9.9368% | 4,208 |
| Core capital (leverage) ratio | 9.5928% | 3,929 |
| Tier 1 risk-based capital ratio | 15.7815% | 3,294 |
| Total risk-based capital ratio | 17.0344% | 3,262 |
| Memoranda: | ||
| Average total assets | $125,004,500 | 4,343 |
| Average earning assets | $113,703,500 | 4,341 |
| Average equity | $12,560,500 | 4,496 |
| Average total loans | $64,159,500 | 4,661 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 4,954 |
| Cost of funding earning assets | 0.5094% | 6,489 |
| Net interest margin | 4.0208% | 2,785 |
| Noninterest income to average assets | 1.4063% | 656 |
| Noninterest expense to average assets | 3.7100% | 1,522 |
| Loan and lease loss provision to assets | 1.4555% | 522 |
| Net operating income to assets | -0.1485% | 6,205 |
| Return on assets (ROA) | -0.1485% | 6,278 |
| Pretax return on assets | -0.1184% | 6,220 |
| Return on Equity (ROE) | -1.4388% | 6,290 |
| Retained earnings to average equity (ytd only) | -4.1061% | 6,377 |
| Net charge-offs to loans | 2.4487% | 483 |
| Credit loss provision to net charge-offs | 113.8291% | 2,881 |
| Earnings coverage of net charge-offs (x) | 1.0457% | 5,005 |
| Efficiency ratio | 73.5085% | 3,304 |
| Assets per employee ($millions) | 2.8674% | 6,341 |
| Cash dividends to net income (ytd only)* | -185.3933% | 7,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6945% | 3,222 |
| Loan loss allowance to noncurrent loans | 86.3454% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.4656% | 3,773 |
| Noncurrent loans to loans | 1.9625% | 3,255 |
| Net loans and leases to total assets | 50.5799% | 5,516 |
| Net loans and leases to deposits | 56.6951% | 5,823 |
| Net loans and leases to core deposits | 59.3152% | 5,903 |
| Total domestic deposits to total assets | 89.2139% | 1,414 |
| Equity capital to assets | 10.1624% | 3,957 |
| Core capital (leverage) ratio | 9.4716% | 4,077 |
| Tier 1 risk-based capital ratio | 16.0226% | 3,035 |
| Total risk-based capital ratio | 17.2746% | 2,987 |
| Memoranda: | ||
| Average total assets | $119,892,000 | 4,405 |
| Average earning assets | $108,559,800 | 4,433 |
| Average equity | $12,371,800 | 4,462 |
| Average total loans | $62,605,800 | 4,770 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 4,913 |
| Cost of funding earning assets | 0.5265% | 6,597 |
| Net interest margin | 4.0607% | 2,640 |
| Noninterest income to average assets | 1.4269% | 645 |
| Noninterest expense to average assets | 3.8070% | 1,293 |
| Loan and lease loss provision to assets | 1.6185% | 400 |
| Net operating income to assets | -0.3013% | 6,497 |
| Return on assets (ROA) | -0.3013% | 6,558 |
| Pretax return on assets | -0.3271% | 6,517 |
| Return on Equity (ROE) | -2.9083% | 6,555 |
| Retained earnings to average equity (ytd only) | -5.6111% | 6,626 |
| Net charge-offs to loans | 2.6924% | 387 |
| Credit loss provision to net charge-offs | 114.6825% | 2,850 |
| Earnings coverage of net charge-offs (x) | 0.9151% | 4,937 |
| Efficiency ratio | 74.6705% | 3,054 |
| Assets per employee ($millions) | 2.8367% | 6,426 |
| Cash dividends to net income (ytd only)* | -92.9376% | 7,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 3,284 |
| Loan loss allowance to noncurrent loans | 103.3531% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.2920% | 4,225 |
| Noncurrent loans to loans | 1.6415% | 3,831 |
| Net loans and leases to total assets | 49.7840% | 5,729 |
| Net loans and leases to deposits | 55.8662% | 6,048 |
| Net loans and leases to core deposits | 58.4798% | 6,093 |
| Total domestic deposits to total assets | 89.1129% | 1,361 |
| Equity capital to assets | 10.0394% | 4,285 |
| Core capital (leverage) ratio | 9.5832% | 4,020 |
| Tier 1 risk-based capital ratio | 16.3391% | 2,948 |
| Total risk-based capital ratio | 17.5917% | 2,915 |
| Memoranda: | ||
| Average total assets | $119,040,500 | 4,457 |
| Average earning assets | $107,629,500 | 4,490 |
| Average equity | $12,332,250 | 4,484 |
| Average total loans | $62,397,500 | 4,817 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6652% | 4,682 |
| Cost of funding earning assets | 0.5407% | 6,699 |
| Net interest margin | 4.1246% | 2,319 |
| Noninterest income to average assets | 1.3586% | 690 |
| Noninterest expense to average assets | 3.8506% | 1,278 |
| Loan and lease loss provision to assets | 1.6347% | 422 |
| Net operating income to assets | -0.3303% | 6,568 |
| Return on assets (ROA) | -0.3303% | 6,596 |
| Pretax return on assets | -0.4049% | 6,591 |
| Return on Equity (ROE) | -3.1551% | 6,602 |
| Retained earnings to average equity (ytd only) | -7.2001% | 6,728 |
| Net charge-offs to loans | 1.2491% | 1,250 |
| Credit loss provision to net charge-offs | 246.8031% | 1,230 |
| Earnings coverage of net charge-offs (x) | 1.8568% | 3,943 |
| Efficiency ratio | 75.7919% | 3,053 |
| Assets per employee ($millions) | 2.7992% | 6,474 |
| Cash dividends to net income (ytd only)* | -128.2051% | 7,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3180% | 1,713 |
| Loan loss allowance to noncurrent loans | 78.9995% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.6297% | 3,742 |
| Noncurrent loans to loans | 2.9342% | 2,482 |
| Net loans and leases to total assets | 51.5072% | 5,627 |
| Net loans and leases to deposits | 57.9490% | 5,943 |
| Net loans and leases to core deposits | 60.7738% | 6,024 |
| Total domestic deposits to total assets | 88.8837% | 1,608 |
| Equity capital to assets | 10.3397% | 3,698 |
| Core capital (leverage) ratio | 9.8008% | 3,521 |
| Tier 1 risk-based capital ratio | 16.1670% | 2,895 |
| Total risk-based capital ratio | 17.4386% | 2,859 |
| Memoranda: | ||
| Average total assets | $118,061,000 | 4,513 |
| Average earning assets | $106,532,670 | 4,546 |
| Average equity | $12,361,000 | 4,459 |
| Average total loans | $62,605,330 | 4,848 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6296% | 4,821 |
| Cost of funding earning assets | 0.5464% | 6,815 |
| Net interest margin | 4.0832% | 2,330 |
| Noninterest income to average assets | 1.2983% | 761 |
| Noninterest expense to average assets | 3.8340% | 1,282 |
| Loan and lease loss provision to assets | 0.9805% | 790 |
| Net operating income to assets | 0.1251% | 6,025 |
| Return on assets (ROA) | 0.1251% | 6,084 |
| Pretax return on assets | 0.1724% | 6,002 |
| Return on Equity (ROE) | 1.1875% | 6,077 |
| Retained earnings to average equity (ytd only) | -6.8360% | 6,667 |
| Net charge-offs to loans | 1.3733% | 1,003 |
| Credit loss provision to net charge-offs | 134.2593% | 2,065 |
| Earnings coverage of net charge-offs (x) | 1.5787% | 3,529 |
| Efficiency ratio | 76.8814% | 2,999 |
| Assets per employee ($millions) | 2.8217% | 6,497 |
| Cash dividends to net income (ytd only)* | 675.6757% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 4,236 |
| Loan loss allowance to noncurrent loans | 67.8003% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.2480% | 4,449 |
| Noncurrent loans to loans | 2.2057% | 3,313 |
| Net loans and leases to total assets | 52.0791% | 5,573 |
| Net loans and leases to deposits | 58.7591% | 5,852 |
| Net loans and leases to core deposits | 61.6042% | 5,964 |
| Total domestic deposits to total assets | 88.6315% | 2,000 |
| Equity capital to assets | 10.3973% | 3,282 |
| Core capital (leverage) ratio | 9.9935% | 3,147 |
| Tier 1 risk-based capital ratio | 16.2207% | 2,799 |
| Total risk-based capital ratio | 17.4702% | 2,764 |
| Memoranda: | ||
| Average total assets | $118,308,500 | 4,533 |
| Average earning assets | $106,877,000 | 4,564 |
| Average equity | $12,463,500 | 4,455 |
| Average total loans | $62,912,000 | 4,873 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 5,290 |
| Cost of funding earning assets | 0.6620% | 6,978 |
| Net interest margin | 4.1740% | 2,281 |
| Noninterest income to average assets | 1.4545% | 684 |
| Noninterest expense to average assets | 3.8856% | 1,340 |
| Loan and lease loss provision to assets | 0.6396% | 2,573 |
| Net operating income to assets | 0.4496% | 4,320 |
| Return on assets (ROA) | 0.4496% | 4,482 |
| Pretax return on assets | 0.6748% | 4,069 |
| Return on Equity (ROE) | 4.1455% | 4,458 |
| Retained earnings to average equity (ytd only) | 4.1455% | 2,948 |
| Net charge-offs to loans | 0.9843% | 2,218 |
| Credit loss provision to net charge-offs | 125.8883% | 3,229 |
| Earnings coverage of net charge-offs (x) | 2.5871% | 3,808 |
| Efficiency ratio | 74.7231% | 3,250 |
| Assets per employee ($millions) | 2.6842% | 6,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 4,670 |
| Loan loss allowance to noncurrent loans | 86.5597% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.9263% | 5,160 |
| Noncurrent loans to loans | 1.5784% | 4,134 |
| Net loans and leases to total assets | 52.7531% | 5,818 |
| Net loans and leases to deposits | 59.7354% | 6,084 |
| Net loans and leases to core deposits | 62.8438% | 6,166 |
| Total domestic deposits to total assets | 88.3112% | 2,054 |
| Equity capital to assets | 10.6727% | 2,990 |
| Core capital (leverage) ratio | 10.2200% | 2,845 |
| Tier 1 risk-based capital ratio | 16.0621% | 2,721 |
| Total risk-based capital ratio | 17.2037% | 2,728 |
| Memoranda: | ||
| Average total assets | $116,327,000 | 4,567 |
| Average earning assets | $104,383,800 | 4,599 |
| Average equity | $12,616,200 | 4,455 |
| Average total loans | $60,041,400 | 5,068 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8910% | 5,311 |
| Cost of funding earning assets | 0.6719% | 7,128 |
| Net interest margin | 4.2191% | 2,154 |
| Noninterest income to average assets | 1.4762% | 625 |
| Noninterest expense to average assets | 3.9338% | 1,151 |
| Loan and lease loss provision to assets | 0.4372% | 3,286 |
| Net operating income to assets | 0.6363% | 3,718 |
| Return on assets (ROA) | 0.6363% | 3,889 |
| Pretax return on assets | 0.8836% | 3,611 |
| Return on Equity (ROE) | 5.8429% | 3,889 |
| Retained earnings to average equity (ytd only) | 5.8429% | 2,447 |
| Net charge-offs to loans | 0.4252% | 3,590 |
| Credit loss provision to net charge-offs | 201.0582% | 1,771 |
| Earnings coverage of net charge-offs (x) | 6.0742% | 2,607 |
| Efficiency ratio | 74.8631% | 3,166 |
| Assets per employee ($millions) | 2.5736% | 6,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 4,063 |
| Loan loss allowance to noncurrent loans | 87.0531% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.8937% | 5,315 |
| Noncurrent loans to loans | 1.6970% | 4,090 |
| Net loans and leases to total assets | 51.8832% | 6,118 |
| Net loans and leases to deposits | 59.1202% | 6,378 |
| Net loans and leases to core deposits | 62.2796% | 6,436 |
| Total domestic deposits to total assets | 87.7588% | 2,124 |
| Equity capital to assets | 11.0755% | 2,883 |
| Core capital (leverage) ratio | 10.3830% | 2,818 |
| Tier 1 risk-based capital ratio | 16.6407% | 2,489 |
| Total risk-based capital ratio | 17.8725% | 2,457 |
| Memoranda: | ||
| Average total assets | $115,882,500 | 4,638 |
| Average earning assets | $103,780,500 | 4,679 |
| Average equity | $12,619,000 | 4,521 |
| Average total loans | $59,260,000 | 5,179 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9334% | 5,256 |
| Cost of funding earning assets | 0.6710% | 7,255 |
| Net interest margin | 4.2624% | 1,914 |
| Noninterest income to average assets | 1.4581% | 595 |
| Noninterest expense to average assets | 3.8739% | 1,223 |
| Loan and lease loss provision to assets | 0.2588% | 4,345 |
| Net operating income to assets | 0.8231% | 2,862 |
| Return on assets (ROA) | 0.8231% | 3,011 |
| Pretax return on assets | 1.1509% | 2,586 |
| Return on Equity (ROE) | 7.6018% | 3,058 |
| Retained earnings to average equity (ytd only) | 7.6018% | 1,597 |
| Net charge-offs to loans | 0.0648% | 5,495 |
| Credit loss provision to net charge-offs | 789.4737% | 469 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 686 |
| Efficiency ratio | 73.3181% | 3,594 |
| Assets per employee ($millions) | 2.6045% | 6,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 4,428 |
| Loan loss allowance to noncurrent loans | 123.8586% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 6,009 |
| Noncurrent loans to loans | 1.1292% | 5,070 |
| Net loans and leases to total assets | 51.7370% | 6,241 |
| Net loans and leases to deposits | 58.9207% | 6,503 |
| Net loans and leases to core deposits | 61.7124% | 6,571 |
| Total domestic deposits to total assets | 87.8077% | 2,103 |
| Equity capital to assets | 11.0980% | 2,771 |
| Core capital (leverage) ratio | 10.3939% | 2,719 |
| Tier 1 risk-based capital ratio | 16.7902% | 2,366 |
| Total risk-based capital ratio | 17.9577% | 2,346 |
| Memoranda: | ||
| Average total assets | $115,905,330 | 4,660 |
| Average earning assets | $104,025,670 | 4,694 |
| Average equity | $12,549,670 | 4,538 |
| Average total loans | $58,683,670 | 5,239 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 5,543 |
| Cost of funding earning assets | 0.6928% | 7,347 |
| Net interest margin | 4.1912% | 2,078 |
| Noninterest income to average assets | 1.3967% | 623 |
| Noninterest expense to average assets | 3.7406% | 1,432 |
| Loan and lease loss provision to assets | 0.2574% | 3,979 |
| Net operating income to assets | 0.8373% | 2,803 |
| Return on assets (ROA) | 0.8373% | 2,902 |
| Pretax return on assets | 1.1565% | 2,529 |
| Return on Equity (ROE) | 7.8296% | 2,967 |
| Retained earnings to average equity (ytd only) | 7.8296% | 1,778 |
| Net charge-offs to loans | 0.1035% | 4,385 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 27.4667% | 928 |
| Efficiency ratio | 72.5699% | 3,828 |
| Assets per employee ($millions) | 2.7133% | 6,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 4,818 |
| Loan loss allowance to noncurrent loans | 209.2391% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 6,687 |
| Noncurrent loans to loans | 0.6315% | 6,055 |
| Net loans and leases to total assets | 49.2865% | 6,544 |
| Net loans and leases to deposits | 55.7848% | 6,792 |
| Net loans and leases to core deposits | 58.3568% | 6,858 |
| Total domestic deposits to total assets | 88.3510% | 1,879 |
| Equity capital to assets | 10.7439% | 3,012 |
| Core capital (leverage) ratio | 10.1191% | 3,022 |
| Tier 1 risk-based capital ratio | 16.7101% | 2,371 |
| Total risk-based capital ratio | 17.7948% | 2,381 |
| Memoranda: | ||
| Average total assets | $116,559,500 | 4,708 |
| Average earning assets | $104,504,500 | 4,745 |
| Average equity | $12,465,500 | 4,598 |
| Average total loans | $57,960,500 | 5,338 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0157% | 6,383 |
| Cost of funding earning assets | 0.9653% | 7,274 |
| Net interest margin | 4.0504% | 2,649 |
| Noninterest income to average assets | 1.5623% | 587 |
| Noninterest expense to average assets | 3.9846% | 1,384 |
| Loan and lease loss provision to assets | 0.3634% | 4,622 |
| Net operating income to assets | 0.6148% | 3,277 |
| Return on assets (ROA) | 0.6148% | 3,343 |
| Pretax return on assets | 0.8302% | 3,151 |
| Return on Equity (ROE) | 5.8355% | 3,278 |
| Retained earnings to average equity (ytd only) | 5.8355% | 1,413 |
| Net charge-offs to loans | 0.2646% | 4,961 |
| Credit loss provision to net charge-offs | 290.2098% | 1,153 |
| Earnings coverage of net charge-offs (x) | 9.5315% | 1,784 |
| Efficiency ratio | 76.9491% | 3,367 |
| Assets per employee ($millions) | 2.5315% | 7,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 5,164 |
| Loan loss allowance to noncurrent loans | 102.8986% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 5,980 |
| Noncurrent loans to loans | 1.1969% | 4,943 |
| Net loans and leases to total assets | 48.8956% | 6,740 |
| Net loans and leases to deposits | 55.3027% | 6,964 |
| Net loans and leases to core deposits | 65.8250% | 6,991 |
| Total domestic deposits to total assets | 88.4146% | 1,763 |
| Equity capital to assets | 10.6451% | 3,030 |
| Core capital (leverage) ratio | 9.8616% | 3,256 |
| Tier 1 risk-based capital ratio | 16.4942% | 2,321 |
| Total risk-based capital ratio | 17.5021% | 2,353 |
| Memoranda: | ||
| Average total assets | $114,190,200 | 4,720 |
| Average earning assets | $101,940,800 | 4,790 |
| Average equity | $12,029,800 | 4,743 |
| Average total loans | $54,041,400 | 5,499 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0039% | 6,588 |
| Cost of funding earning assets | 1.0116% | 7,363 |
| Net interest margin | 3.9923% | 2,854 |
| Noninterest income to average assets | 1.5172% | 643 |
| Noninterest expense to average assets | 4.0588% | 1,198 |
| Loan and lease loss provision to assets | 0.2171% | 5,245 |
| Net operating income to assets | 0.5632% | 3,748 |
| Return on assets (ROA) | 0.5632% | 3,826 |
| Pretax return on assets | 0.8026% | 3,536 |
| Return on Equity (ROE) | 5.3608% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.3608% | 2,278 |
| Net charge-offs to loans | 0.2835% | 4,261 |
| Credit loss provision to net charge-offs | 163.7168% | 2,873 |
| Earnings coverage of net charge-offs (x) | 7.6904% | 2,367 |
| Efficiency ratio | 79.9214% | 2,859 |
| Assets per employee ($millions) | 2.6475% | 6,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 6,843 |
| Loan loss allowance to noncurrent loans | 520.4082% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 7,338 |
| Noncurrent loans to loans | 0.1693% | 7,065 |
| Net loans and leases to total assets | 49.2587% | 6,846 |
| Net loans and leases to deposits | 56.1518% | 7,077 |
| Net loans and leases to core deposits | 67.1972% | 7,103 |
| Total domestic deposits to total assets | 87.7242% | 1,788 |
| Equity capital to assets | 10.5383% | 3,471 |
| Core capital (leverage) ratio | 9.6954% | 3,649 |
| Tier 1 risk-based capital ratio | 16.2154% | 2,552 |
| Total risk-based capital ratio | 16.9410% | 2,675 |
| Memoranda: | ||
| Average total assets | $113,625,750 | 4,758 |
| Average earning assets | $101,358,750 | 4,835 |
| Average equity | $11,938,250 | 4,812 |
| Average total loans | $53,139,750 | 5,588 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 6,740 |
| Cost of funding earning assets | 1.0657% | 7,442 |
| Net interest margin | 3.9427% | 2,919 |
| Noninterest income to average assets | 1.4627% | 694 |
| Noninterest expense to average assets | 4.0383% | 1,264 |
| Loan and lease loss provision to assets | 0.1953% | 5,105 |
| Net operating income to assets | 0.5201% | 4,019 |
| Return on assets (ROA) | 0.5201% | 4,134 |
| Pretax return on assets | 0.7296% | 3,902 |
| Return on Equity (ROE) | 4.9553% | 4,098 |
| Retained earnings to average equity (ytd only) | 4.9553% | 2,537 |
| Net charge-offs to loans | 0.2211% | 4,118 |
| Credit loss provision to net charge-offs | 192.9825% | 2,367 |
| Earnings coverage of net charge-offs (x) | 9.1404% | 2,167 |
| Efficiency ratio | 81.3662% | 2,826 |
| Assets per employee ($millions) | 2.6182% | 7,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 6,667 |
| Loan loss allowance to noncurrent loans | 213.4783% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 7,021 |
| Noncurrent loans to loans | 0.4335% | 6,432 |
| Net loans and leases to total assets | 45.6293% | 7,220 |
| Net loans and leases to deposits | 51.8408% | 7,393 |
| Net loans and leases to core deposits | 62.9725% | 7,336 |
| Total domestic deposits to total assets | 88.0182% | 1,763 |
| Equity capital to assets | 10.3411% | 3,580 |
| Core capital (leverage) ratio | 9.6123% | 3,748 |
| Tier 1 risk-based capital ratio | 16.8212% | 2,357 |
| Total risk-based capital ratio | 17.5580% | 2,464 |
| Memoranda: | ||
| Average total assets | $112,671,330 | 4,813 |
| Average earning assets | $100,032,330 | 4,892 |
| Average equity | $11,825,670 | 4,863 |
| Average total loans | $51,556,000 | 5,691 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9564% | 7,045 |
| Cost of funding earning assets | 1.1171% | 7,491 |
| Net interest margin | 3.8393% | 3,301 |
| Noninterest income to average assets | 1.4649% | 654 |
| Noninterest expense to average assets | 4.1649% | 983 |
| Loan and lease loss provision to assets | 0.1795% | 4,656 |
| Net operating income to assets | 0.3842% | 4,926 |
| Return on assets (ROA) | 0.3842% | 5,109 |
| Pretax return on assets | 0.5386% | 4,952 |
| Return on Equity (ROE) | 3.6327% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.6327% | 3,879 |
| Net charge-offs to loans | 0.2834% | 2,980 |
| Credit loss provision to net charge-offs | 138.8889% | 2,926 |
| Earnings coverage of net charge-offs (x) | 5.5556% | 2,650 |
| Efficiency ratio | 85.2941% | 2,157 |
| Assets per employee ($millions) | 2.5508% | 7,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 6,843 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 6,957 |
| Noncurrent loans to loans | 0.4381% | 6,330 |
| Net loans and leases to total assets | 43.5825% | 7,377 |
| Net loans and leases to deposits | 49.2725% | 7,528 |
| Net loans and leases to core deposits | 59.7058% | 7,471 |
| Total domestic deposits to total assets | 88.4520% | 1,507 |
| Equity capital to assets | 10.0182% | 3,984 |
| Core capital (leverage) ratio | 9.7796% | 3,657 |
| Tier 1 risk-based capital ratio | 16.7008% | 2,448 |
| Total risk-based capital ratio | 17.3855% | 2,579 |
| Memoranda: | ||
| Average total assets | $111,407,000 | 4,866 |
| Average earning assets | $99,185,000 | 4,936 |
| Average equity | $11,782,000 | 4,907 |
| Average total loans | $50,806,000 | 5,770 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9591% | 5,760 |
| Cost of funding earning assets | 1.5272% | 7,567 |
| Net interest margin | 4.4318% | 1,591 |
| Noninterest income to average assets | 1.8475% | 397 |
| Noninterest expense to average assets | 4.6122% | 808 |
| Loan and lease loss provision to assets | 0.1335% | 5,655 |
| Net operating income to assets | 0.7489% | 3,678 |
| Return on assets (ROA) | 0.7489% | 3,515 |
| Pretax return on assets | 0.9890% | 3,418 |
| Return on Equity (ROE) | 6.5112% | 3,748 |
| Retained earnings to average equity (ytd only) | -0.1991% | 5,339 |
| Net charge-offs to loans | 0.2898% | 3,468 |
| Credit loss provision to net charge-offs | 95.7143% | 5,524 |
| Earnings coverage of net charge-offs (x) | 8.0500% | 2,950 |
| Efficiency ratio | 80.4272% | 2,538 |
| Assets per employee ($millions) | 2.3440% | 7,497 |
| Cash dividends to net income (ytd only)* | 103.0585% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 6,789 |
| Loan loss allowance to noncurrent loans | 72.0395% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 5,458 |
| Noncurrent loans to loans | 1.2155% | 4,082 |
| Net loans and leases to total assets | 47.0089% | 7,254 |
| Net loans and leases to deposits | 53.9731% | 7,437 |
| Net loans and leases to core deposits | 64.3547% | 7,430 |
| Total domestic deposits to total assets | 87.0968% | 1,889 |
| Equity capital to assets | 11.1957% | 2,885 |
| Core capital (leverage) ratio | 10.5582% | 2,931 |
| Tier 1 risk-based capital ratio | 17.4598% | 2,187 |
| Total risk-based capital ratio | 18.1604% | 2,286 |
| Memoranda: | ||
| Average total assets | $100,408,000 | 5,034 |
| Average earning assets | $88,067,600 | 5,148 |
| Average equity | $11,549,400 | 4,953 |
| Average total loans | $48,305,600 | 5,767 |