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 | 7.5967% | 147 |
| Cost of funding earning assets | 1.9984% | 918 |
| Net interest margin | 5.5983% | 165 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 3.7188% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8362% | 581 |
| Return on assets (ROA) | 1.8362% | 564 |
| Pretax return on assets | 1.8362% | 849 |
| Return on Equity (ROE) | 10.9100% | 2,253 |
| Retained earnings to average equity (ytd only) | 6.6994% | 1,989 |
| Net charge-offs to loans | 0.0645% | 1,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 51.3617% | 1,275 |
| Efficiency ratio | 66.9451% | 2,237 |
| Assets per employee ($millions) | 3.6044% | 4,271 |
| Cash dividends to net income (ytd only)* | 38.6081% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5671% | 180 |
| Loan loss allowance to noncurrent loans | 76.6909% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 2.0168% | 139 |
| Noncurrent loans to loans | 3.3474% | 123 |
| Net loans and leases to total assets | 58.7100% | 2,978 |
| Net loans and leases to deposits | 71.6487% | 2,776 |
| Net loans and leases to core deposits | 87.6218% | 2,202 |
| Total domestic deposits to total assets | 81.9300% | 3,137 |
| Equity capital to assets | 17.8017% | 357 |
| Core capital (leverage) ratio | 16.3215% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1676% | 414 |
| Memoranda: | ||
| Average total assets | $131,467,800 | 3,539 |
| Average earning assets | $119,394,200 | 3,550 |
| Average equity | $22,121,400 | 2,686 |
| Average total loans | $72,866,800 | 3,512 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3673% | 162 |
| Cost of funding earning assets | 1.9139% | 840 |
| Net interest margin | 5.4534% | 190 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 3.6088% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8327% | 624 |
| Return on assets (ROA) | 1.8327% | 618 |
| Pretax return on assets | 1.8327% | 959 |
| Return on Equity (ROE) | 11.0500% | 2,361 |
| Retained earnings to average equity (ytd only) | 5.6252% | 2,741 |
| Net charge-offs to loans | 0.0876% | 864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 38.5745% | 1,466 |
| Efficiency ratio | 66.3199% | 2,236 |
| Assets per employee ($millions) | 3.5751% | 4,303 |
| Cash dividends to net income (ytd only)* | 49.0899% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4709% | 203 |
| Loan loss allowance to noncurrent loans | 74.6097% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 2.0901% | 127 |
| Noncurrent loans to loans | 3.3118% | 116 |
| Net loans and leases to total assets | 61.5500% | 2,696 |
| Net loans and leases to deposits | 74.6882% | 2,511 |
| Net loans and leases to core deposits | 89.8275% | 1,937 |
| Total domestic deposits to total assets | 82.4100% | 3,140 |
| Equity capital to assets | 17.3359% | 376 |
| Core capital (leverage) ratio | 15.9048% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5879% | 508 |
| Memoranda: | ||
| Average total assets | $131,895,500 | 3,543 |
| Average earning assets | $120,167,750 | 3,553 |
| Average equity | $21,877,000 | 2,690 |
| Average total loans | $71,538,250 | 3,533 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0708% | 169 |
| Cost of funding earning assets | 1.8139% | 721 |
| Net interest margin | 5.2569% | 223 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 3.5650% | 493 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7735% | 685 |
| Return on assets (ROA) | 1.7735% | 686 |
| Pretax return on assets | 1.7735% | 1,063 |
| Return on Equity (ROE) | 10.8500% | 2,465 |
| Retained earnings to average equity (ytd only) | 3.0646% | 3,460 |
| Net charge-offs to loans | -0.6500% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.7794% | 2,142 |
| Assets per employee ($millions) | 3.6118% | 4,316 |
| Cash dividends to net income (ytd only)* | 71.7557% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0398% | 126 |
| Loan loss allowance to noncurrent loans | 77.4413% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 2.3249% | 109 |
| Noncurrent loans to loans | 3.9253% | 90 |
| Net loans and leases to total assets | 57.4300% | 3,012 |
| Net loans and leases to deposits | 69.5820% | 2,819 |
| Net loans and leases to core deposits | 83.5630% | 2,234 |
| Total domestic deposits to total assets | 82.5300% | 3,136 |
| Equity capital to assets | 17.2536% | 373 |
| Core capital (leverage) ratio | 15.8077% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8372% | 440 |
| Memoranda: | ||
| Average total assets | $132,959,333 | 3,542 |
| Average earning assets | $121,173,667 | 3,551 |
| Average equity | $21,732,000 | 2,717 |
| Average total loans | $68,309,333 | 3,594 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7265% | 147 |
| Cost of funding earning assets | 1.5540% | 762 |
| Net interest margin | 5.1725% | 229 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 3.5792% | 493 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7940% | 681 |
| Return on assets (ROA) | 1.7940% | 671 |
| Pretax return on assets | 1.7940% | 1,076 |
| Return on Equity (ROE) | 11.2700% | 2,418 |
| Retained earnings to average equity (ytd only) | 6.9517% | 2,506 |
| Net charge-offs to loans | -1.3656% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.6120% | 2,139 |
| Assets per employee ($millions) | 3.7932% | 4,329 |
| Cash dividends to net income (ytd only)* | 38.2979% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3639% | 102 |
| Loan loss allowance to noncurrent loans | 85.1478% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 2.0134% | 124 |
| Noncurrent loans to loans | 3.9506% | 92 |
| Net loans and leases to total assets | 49.2500% | 3,546 |
| Net loans and leases to deposits | 59.1566% | 3,386 |
| Net loans and leases to core deposits | 69.1484% | 3,012 |
| Total domestic deposits to total assets | 83.2500% | 3,248 |
| Equity capital to assets | 16.5377% | 368 |
| Core capital (leverage) ratio | 14.9943% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1217% | 391 |
| Memoranda: | ||
| Average total assets | $136,232,000 | 3,554 |
| Average earning assets | $124,581,500 | 3,554 |
| Average equity | $21,692,500 | 2,748 |
| Average total loans | $65,027,500 | 3,677 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 530 |
| Cost of funding earning assets | 0.8077% | 373 |
| Net interest margin | 3.8719% | 1,023 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 3.2893% | 634 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5439% | 4,006 |
| Return on assets (ROA) | 0.5439% | 3,966 |
| Pretax return on assets | 0.5439% | 4,111 |
| Return on Equity (ROE) | 3.6100% | 4,224 |
| Retained earnings to average equity (ytd only) | 2.6713% | 3,808 |
| Net charge-offs to loans | -0.0202% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.8104% | 427 |
| Assets per employee ($millions) | 4.1078% | 4,245 |
| Cash dividends to net income (ytd only)* | 26.0163% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2919% | 96 |
| Loan loss allowance to noncurrent loans | 74.7725% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.9668% | 124 |
| Noncurrent loans to loans | 4.4026% | 75 |
| Net loans and leases to total assets | 43.2000% | 3,922 |
| Net loans and leases to deposits | 51.1568% | 3,849 |
| Net loans and leases to core deposits | 53.7133% | 3,822 |
| Total domestic deposits to total assets | 84.4500% | 3,114 |
| Equity capital to assets | 15.3387% | 445 |
| Core capital (leverage) ratio | 14.3628% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9467% | 333 |
| Memoranda: | ||
| Average total assets | $135,684,400 | 3,578 |
| Average earning assets | $118,856,200 | 3,639 |
| Average equity | $20,439,400 | 2,912 |
| Average total loans | $64,257,200 | 3,670 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 884 |
| Cost of funding earning assets | 0.7047% | 261 |
| Net interest margin | 3.5007% | 1,657 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 3.2410% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1257% | 4,531 |
| Return on assets (ROA) | 0.1257% | 4,499 |
| Pretax return on assets | 0.1257% | 4,502 |
| Return on Equity (ROE) | 0.8400% | 4,507 |
| Retained earnings to average equity (ytd only) | -0.1387% | 4,360 |
| Net charge-offs to loans | -0.0268% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 96.2658% | 197 |
| Assets per employee ($millions) | 4.1972% | 4,221 |
| Cash dividends to net income (ytd only)* | 116.5354% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2352% | 109 |
| Loan loss allowance to noncurrent loans | 72.9144% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.9740% | 136 |
| Noncurrent loans to loans | 4.4370% | 76 |
| Net loans and leases to total assets | 43.0500% | 3,936 |
| Net loans and leases to deposits | 50.5085% | 3,820 |
| Net loans and leases to core deposits | 52.7163% | 3,821 |
| Total domestic deposits to total assets | 85.2300% | 3,233 |
| Equity capital to assets | 14.5783% | 495 |
| Core capital (leverage) ratio | 13.5606% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5987% | 458 |
| Memoranda: | ||
| Average total assets | $134,689,000 | 3,613 |
| Average earning assets | $116,353,250 | 3,695 |
| Average equity | $20,193,500 | 2,978 |
| Average total loans | $64,722,750 | 3,678 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 1,390 |
| Cost of funding earning assets | 0.5869% | 306 |
| Net interest margin | 3.1752% | 2,268 |
| Noninterest income to average assets | 0.3106% | 3,301 |
| Noninterest expense to average assets | 3.3117% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.3212% | 4,658 |
| Return on assets (ROA) | -0.3212% | 4,634 |
| Pretax return on assets | -0.3212% | 4,626 |
| Return on Equity (ROE) | -2.1211% | 4,620 |
| Retained earnings to average equity (ytd only) | -3.0115% | 4,455 |
| Net charge-offs to loans | -0.0368% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.7396% | 110 |
| Assets per employee ($millions) | 4.3198% | 4,193 |
| Cash dividends to net income (ytd only)* | -41.9811% | 4,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1325% | 128 |
| Loan loss allowance to noncurrent loans | 67.0147% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 2.1500% | 114 |
| Noncurrent loans to loans | 4.6744% | 75 |
| Net loans and leases to total assets | 44.5554% | 3,793 |
| Net loans and leases to deposits | 51.8388% | 3,700 |
| Net loans and leases to core deposits | 54.4109% | 3,675 |
| Total domestic deposits to total assets | 85.9500% | 3,260 |
| Equity capital to assets | 13.8669% | 539 |
| Core capital (leverage) ratio | 13.3931% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3171% | 516 |
| Memoranda: | ||
| Average total assets | $132,017,000 | 3,681 |
| Average earning assets | $111,427,000 | 3,788 |
| Average equity | $19,990,000 | 3,073 |
| Average total loans | $65,134,000 | 3,707 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5087% | 1,786 |
| Cost of funding earning assets | 0.5785% | 299 |
| Net interest margin | 2.9303% | 2,731 |
| Noninterest income to average assets | 0.4260% | 2,522 |
| Noninterest expense to average assets | 3.4367% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.5649% | 4,710 |
| Return on assets (ROA) | -0.5649% | 4,700 |
| Pretax return on assets | -0.5649% | 4,684 |
| Return on Equity (ROE) | -3.5620% | 4,674 |
| Retained earnings to average equity (ytd only) | -4.4575% | 4,399 |
| Net charge-offs to loans | -0.0062% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6703% | 89 |
| Assets per employee ($millions) | 3.7672% | 4,483 |
| Cash dividends to net income (ytd only)* | -25.1397% | 4,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1419% | 139 |
| Loan loss allowance to noncurrent loans | 64.0527% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 2.4890% | 96 |
| Noncurrent loans to loans | 4.9051% | 71 |
| Net loans and leases to total assets | 49.1482% | 3,260 |
| Net loans and leases to deposits | 58.3393% | 3,047 |
| Net loans and leases to core deposits | 61.3701% | 3,034 |
| Total domestic deposits to total assets | 84.2455% | 3,717 |
| Equity capital to assets | 15.5515% | 350 |
| Core capital (leverage) ratio | 13.7740% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5071% | 516 |
| Memoranda: | ||
| Average total assets | $126,748,000 | 3,744 |
| Average earning assets | $105,793,000 | 3,862 |
| Average equity | $20,101,000 | 3,135 |
| Average total loans | $64,916,000 | 3,720 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 272 |
| Cost of funding earning assets | 0.6138% | 508 |
| Net interest margin | 4.3532% | 369 |
| Noninterest income to average assets | 0.2457% | 3,902 |
| Noninterest expense to average assets | 3.1875% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6289% | 3,810 |
| Return on assets (ROA) | 0.6289% | 3,855 |
| Pretax return on assets | 0.6289% | 4,064 |
| Return on Equity (ROE) | 3.5814% | 4,279 |
| Retained earnings to average equity (ytd only) | -0.0788% | 4,506 |
| Net charge-offs to loans | 0.0925% | 901 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 11.3594% | 2,159 |
| Efficiency ratio | 83.5222% | 600 |
| Assets per employee ($millions) | 3.6819% | 4,540 |
| Cash dividends to net income (ytd only)* | 102.2008% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1493% | 130 |
| Loan loss allowance to noncurrent loans | 67.8856% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 2.8973% | 78 |
| Noncurrent loans to loans | 4.6392% | 85 |
| Net loans and leases to total assets | 50.1630% | 3,253 |
| Net loans and leases to deposits | 59.9111% | 3,082 |
| Net loans and leases to core deposits | 64.2260% | 2,963 |
| Total domestic deposits to total assets | 83.7290% | 3,631 |
| Equity capital to assets | 16.0218% | 379 |
| Core capital (leverage) ratio | 15.0668% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5402% | 465 |
| Memoranda: | ||
| Average total assets | $115,607,600 | 3,845 |
| Average earning assets | $94,826,400 | 3,966 |
| Average equity | $20,299,600 | 3,188 |
| Average total loans | $69,203,400 | 3,666 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3564% | 873 |
| Cost of funding earning assets | 0.6271% | 549 |
| Net interest margin | 3.7293% | 1,278 |
| Noninterest income to average assets | 1.0057% | 1,063 |
| Noninterest expense to average assets | 3.0031% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0352% | 2,787 |
| Return on assets (ROA) | 1.0352% | 2,848 |
| Pretax return on assets | 1.0352% | 3,360 |
| Return on Equity (ROE) | 5.7562% | 3,972 |
| Retained earnings to average equity (ytd only) | 1.1918% | 4,376 |
| Net charge-offs to loans | 0.2636% | 312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 6.3237% | 2,184 |
| Efficiency ratio | 74.3657% | 1,184 |
| Assets per employee ($millions) | 3.3560% | 4,683 |
| Cash dividends to net income (ytd only)* | 79.2947% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7693% | 201 |
| Loan loss allowance to noncurrent loans | 59.4856% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 3.4390% | 60 |
| Noncurrent loans to loans | 4.6554% | 89 |
| Net loans and leases to total assets | 60.4948% | 2,196 |
| Net loans and leases to deposits | 73.7665% | 1,883 |
| Net loans and leases to core deposits | 79.7456% | 1,761 |
| Total domestic deposits to total assets | 82.0085% | 3,927 |
| Equity capital to assets | 17.8057% | 286 |
| Core capital (leverage) ratio | 15.7357% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3748% | 509 |
| Memoranda: | ||
| Average total assets | $113,213,000 | 3,913 |
| Average earning assets | $92,061,750 | 4,041 |
| Average equity | $20,360,250 | 3,216 |
| Average total loans | $70,294,500 | 3,692 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 792 |
| Cost of funding earning assets | 0.6236% | 657 |
| Net interest margin | 3.8226% | 1,107 |
| Noninterest income to average assets | 1.3568% | 645 |
| Noninterest expense to average assets | 2.8889% | 1,163 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5516% | 1,167 |
| Return on assets (ROA) | 1.5516% | 1,223 |
| Pretax return on assets | 1.5516% | 1,867 |
| Return on Equity (ROE) | 8.5989% | 3,227 |
| Retained earnings to average equity (ytd only) | 2.4835% | 4,002 |
| Net charge-offs to loans | 0.3968% | 212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 6.3022% | 1,964 |
| Efficiency ratio | 65.0578% | 2,293 |
| Assets per employee ($millions) | 3.7203% | 4,596 |
| Cash dividends to net income (ytd only)* | 71.1187% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8195% | 187 |
| Loan loss allowance to noncurrent loans | 193.1238% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.8827% | 883 |
| Noncurrent loans to loans | 1.4600% | 783 |
| Net loans and leases to total assets | 58.7559% | 2,574 |
| Net loans and leases to deposits | 71.5121% | 2,254 |
| Net loans and leases to core deposits | 76.3911% | 2,198 |
| Total domestic deposits to total assets | 82.1622% | 3,894 |
| Equity capital to assets | 17.7060% | 285 |
| Core capital (leverage) ratio | 15.9216% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1984% | 371 |
| Memoranda: | ||
| Average total assets | $112,916,000 | 3,937 |
| Average earning assets | $91,089,000 | 4,074 |
| Average equity | $20,374,667 | 3,216 |
| Average total loans | $70,061,667 | 3,721 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 1,042 |
| Cost of funding earning assets | 0.6263% | 772 |
| Net interest margin | 3.6720% | 1,397 |
| Noninterest income to average assets | 1.1709% | 889 |
| Noninterest expense to average assets | 2.8538% | 1,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2353% | 2,023 |
| Return on assets (ROA) | 1.2353% | 2,110 |
| Pretax return on assets | 1.2353% | 2,745 |
| Return on Equity (ROE) | 6.7807% | 3,661 |
| Retained earnings to average equity (ytd only) | 5.8569% | 2,940 |
| Net charge-offs to loans | 0.4898% | 168 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 4.0116% | 1,745 |
| Efficiency ratio | 69.7898% | 1,732 |
| Assets per employee ($millions) | 3.9044% | 4,532 |
| Cash dividends to net income (ytd only)* | 13.6232% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7690% | 192 |
| Loan loss allowance to noncurrent loans | 247.4265% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.7207% | 1,289 |
| Noncurrent loans to loans | 1.1191% | 1,195 |
| Net loans and leases to total assets | 62.6135% | 2,217 |
| Net loans and leases to deposits | 76.5467% | 1,843 |
| Net loans and leases to core deposits | 81.8557% | 1,851 |
| Total domestic deposits to total assets | 81.7978% | 3,930 |
| Equity capital to assets | 18.0953% | 252 |
| Core capital (leverage) ratio | 16.6091% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8559% | 416 |
| Memoranda: | ||
| Average total assets | $111,710,000 | 3,959 |
| Average earning assets | $88,779,000 | 4,116 |
| Average equity | $20,352,000 | 3,215 |
| Average total loans | $70,228,500 | 3,728 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 202 |
| Cost of funding earning assets | 0.7724% | 1,332 |
| Net interest margin | 4.6805% | 222 |
| Noninterest income to average assets | 0.7689% | 1,633 |
| Noninterest expense to average assets | 3.2386% | 988 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5095% | 790 |
| Return on assets (ROA) | 1.5095% | 859 |
| Pretax return on assets | 1.5095% | 1,302 |
| Return on Equity (ROE) | 7.7646% | 2,903 |
| Retained earnings to average equity (ytd only) | 4.0203% | 2,808 |
| Net charge-offs to loans | 0.3389% | 514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,777 |
| Efficiency ratio | 68.2080% | 2,208 |
| Assets per employee ($millions) | 4.7910% | 3,616 |
| Cash dividends to net income (ytd only)* | 48.2224% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1166% | 130 |
| Loan loss allowance to noncurrent loans | 296.0619% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6452% | 1,626 |
| Noncurrent loans to loans | 1.0527% | 1,349 |
| Net loans and leases to total assets | 59.3845% | 2,940 |
| Net loans and leases to deposits | 72.8316% | 2,607 |
| Net loans and leases to core deposits | 78.0294% | 2,546 |
| Total domestic deposits to total assets | 81.5368% | 3,757 |
| Equity capital to assets | 18.3453% | 251 |
| Core capital (leverage) ratio | 16.6952% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4703% | 415 |
| Memoranda: | ||
| Average total assets | $102,483,800 | 3,963 |
| Average earning assets | $87,127,200 | 4,064 |
| Average equity | $19,923,800 | 3,195 |
| Average total loans | $70,236,800 | 3,728 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5858% | 193 |
| Cost of funding earning assets | 0.7864% | 1,561 |
| Net interest margin | 4.7995% | 204 |
| Noninterest income to average assets | 0.9600% | 1,098 |
| Noninterest expense to average assets | 3.2193% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.9730% | 316 |
| Return on assets (ROA) | 1.9730% | 347 |
| Pretax return on assets | 1.9730% | 544 |
| Return on Equity (ROE) | 9.9942% | 2,022 |
| Retained earnings to average equity (ytd only) | 5.2792% | 2,439 |
| Net charge-offs to loans | 0.4475% | 352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 6.2521% | 2,664 |
| Efficiency ratio | 62.0020% | 3,077 |
| Assets per employee ($millions) | 4.6306% | 3,683 |
| Cash dividends to net income (ytd only)* | 47.1774% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7935% | 167 |
| Loan loss allowance to noncurrent loans | 181.4655% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 1.0892% | 968 |
| Noncurrent loans to loans | 1.5394% | 920 |
| Net loans and leases to total assets | 68.7749% | 2,143 |
| Net loans and leases to deposits | 85.0248% | 1,810 |
| Net loans and leases to core deposits | 91.3294% | 1,856 |
| Total domestic deposits to total assets | 80.8880% | 3,684 |
| Equity capital to assets | 18.9918% | 239 |
| Core capital (leverage) ratio | 16.9061% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9050% | 368 |
| Memoranda: | ||
| Average total assets | $100,556,750 | 3,984 |
| Average earning assets | $88,674,500 | 4,044 |
| Average equity | $19,851,000 | 3,199 |
| Average total loans | $70,910,500 | 3,732 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8030% | 188 |
| Cost of funding earning assets | 0.8342% | 1,658 |
| Net interest margin | 4.9688% | 219 |
| Noninterest income to average assets | 1.1484% | 760 |
| Noninterest expense to average assets | 3.2280% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.3799% | 165 |
| Return on assets (ROA) | 2.3799% | 179 |
| Pretax return on assets | 2.3799% | 261 |
| Return on Equity (ROE) | 11.8931% | 1,355 |
| Retained earnings to average equity (ytd only) | 7.2596% | 1,552 |
| Net charge-offs to loans | 0.6654% | 237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.0779% | 2,544 |
| Efficiency ratio | 57.5615% | 3,749 |
| Assets per employee ($millions) | 3.5841% | 4,617 |
| Cash dividends to net income (ytd only)* | 38.9599% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7406% | 176 |
| Loan loss allowance to noncurrent loans | 254.1516% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.7995% | 1,552 |
| Noncurrent loans to loans | 1.0783% | 1,444 |
| Net loans and leases to total assets | 72.1122% | 1,687 |
| Net loans and leases to deposits | 89.6105% | 1,390 |
| Net loans and leases to core deposits | 94.8555% | 1,676 |
| Total domestic deposits to total assets | 80.4730% | 3,733 |
| Equity capital to assets | 19.4145% | 230 |
| Core capital (leverage) ratio | 17.7702% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5135% | 380 |
| Memoranda: | ||
| Average total assets | $98,574,333 | 4,013 |
| Average earning assets | $88,472,000 | 4,048 |
| Average equity | $19,725,667 | 3,203 |
| Average total loans | $69,429,667 | 3,762 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7110% | 241 |
| Cost of funding earning assets | 1.0234% | 1,323 |
| Net interest margin | 4.6876% | 338 |
| Noninterest income to average assets | 0.3337% | 3,530 |
| Noninterest expense to average assets | 3.2286% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3765% | 1,045 |
| Return on assets (ROA) | 1.3765% | 1,122 |
| Pretax return on assets | 1.3849% | 1,607 |
| Return on Equity (ROE) | 6.7696% | 3,038 |
| Retained earnings to average equity (ytd only) | 3.4053% | 2,920 |
| Net charge-offs to loans | 1.4083% | 103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.4372% | 2,388 |
| Efficiency ratio | 69.9819% | 2,352 |
| Assets per employee ($millions) | 3.3307% | 4,618 |
| Cash dividends to net income (ytd only)* | 49.6970% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2962% | 112 |
| Loan loss allowance to noncurrent loans | 96.2625% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 2.2714% | 326 |
| Noncurrent loans to loans | 3.4242% | 280 |
| Net loans and leases to total assets | 64.1488% | 3,051 |
| Net loans and leases to deposits | 80.6387% | 2,612 |
| Net loans and leases to core deposits | 85.7736% | 2,700 |
| Total domestic deposits to total assets | 79.5509% | 3,941 |
| Equity capital to assets | 20.3487% | 231 |
| Core capital (leverage) ratio | 17.8947% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0021% | 361 |
| Memoranda: | ||
| Average total assets | $95,892,500 | 4,047 |
| Average earning assets | $87,550,500 | 4,060 |
| Average equity | $19,499,000 | 3,217 |
| Average total loans | $65,612,500 | 3,856 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4936% | 112 |
| Cost of funding earning assets | 1.2466% | 906 |
| Net interest margin | 5.2470% | 175 |
| Noninterest income to average assets | 0.3077% | 3,847 |
| Noninterest expense to average assets | 2.9260% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.1862% | 228 |
| Return on assets (ROA) | 2.1881% | 241 |
| Pretax return on assets | 2.1970% | 387 |
| Return on Equity (ROE) | 11.9682% | 1,530 |
| Retained earnings to average equity (ytd only) | 7.2249% | 1,294 |
| Net charge-offs to loans | 0.1454% | 1,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 21.1321% | 1,899 |
| Efficiency ratio | 57.1374% | 4,072 |
| Assets per employee ($millions) | 4.3269% | 3,465 |
| Cash dividends to net income (ytd only)* | 39.6328% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4892% | 86 |
| Loan loss allowance to noncurrent loans | 73.9817% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 3.3270% | 147 |
| Noncurrent loans to loans | 4.7162% | 116 |
| Net loans and leases to total assets | 68.0814% | 2,670 |
| Net loans and leases to deposits | 85.5687% | 2,146 |
| Net loans and leases to core deposits | 91.0698% | 2,317 |
| Total domestic deposits to total assets | 79.5634% | 4,057 |
| Equity capital to assets | 20.3179% | 241 |
| Core capital (leverage) ratio | 18.0697% | 337 |
| Tier 1 risk-based capital ratio | 25.0591% | 745 |
| Total risk-based capital ratio | 26.3366% | 729 |
| Memoranda: | ||
| Average total assets | $102,050,000 | 3,967 |
| Average earning assets | $93,615,200 | 3,980 |
| Average equity | $18,657,800 | 3,262 |
| Average total loans | $72,925,200 | 3,720 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5799% | 104 |
| Cost of funding earning assets | 1.2692% | 868 |
| Net interest margin | 5.3107% | 162 |
| Noninterest income to average assets | 0.3161% | 3,861 |
| Noninterest expense to average assets | 2.7703% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.4131% | 188 |
| Return on assets (ROA) | 2.4131% | 195 |
| Pretax return on assets | 2.4221% | 292 |
| Return on Equity (ROE) | 13.5443% | 1,101 |
| Retained earnings to average equity (ytd only) | 7.4934% | 1,626 |
| Net charge-offs to loans | 0.2044% | 859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 16.5347% | 2,139 |
| Efficiency ratio | 53.3531% | 4,460 |
| Assets per employee ($millions) | 4.3483% | 3,418 |
| Cash dividends to net income (ytd only)* | 44.6752% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3167% | 102 |
| Loan loss allowance to noncurrent loans | 87.6877% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 2.9311% | 196 |
| Noncurrent loans to loans | 3.7824% | 196 |
| Net loans and leases to total assets | 71.1822% | 2,291 |
| Net loans and leases to deposits | 89.0003% | 1,815 |
| Net loans and leases to core deposits | 94.6276% | 2,118 |
| Total domestic deposits to total assets | 79.9797% | 3,995 |
| Equity capital to assets | 19.8927% | 263 |
| Core capital (leverage) ratio | 16.9999% | 445 |
| Tier 1 risk-based capital ratio | 23.5661% | 891 |
| Total risk-based capital ratio | 24.8421% | 869 |
| Memoranda: | ||
| Average total assets | $103,764,500 | 3,984 |
| Average earning assets | $95,277,500 | 3,994 |
| Average equity | $18,487,000 | 3,302 |
| Average total loans | $74,368,750 | 3,736 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3990% | 132 |
| Cost of funding earning assets | 1.2610% | 845 |
| Net interest margin | 5.1380% | 220 |
| Noninterest income to average assets | 0.3231% | 3,776 |
| Noninterest expense to average assets | 2.6807% | 2,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3632% | 185 |
| Return on assets (ROA) | 2.3632% | 193 |
| Pretax return on assets | 2.3726% | 304 |
| Return on Equity (ROE) | 13.7441% | 1,041 |
| Retained earnings to average equity (ytd only) | 6.9704% | 1,821 |
| Net charge-offs to loans | 0.1612% | 990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 20.7049% | 1,761 |
| Efficiency ratio | 53.0483% | 4,559 |
| Assets per employee ($millions) | 4.5379% | 3,076 |
| Cash dividends to net income (ytd only)* | 49.2846% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3083% | 97 |
| Loan loss allowance to noncurrent loans | 46.2014% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 5.2037% | 75 |
| Noncurrent loans to loans | 7.1607% | 51 |
| Net loans and leases to total assets | 69.9688% | 2,534 |
| Net loans and leases to deposits | 86.1265% | 2,245 |
| Net loans and leases to core deposits | 91.2144% | 2,485 |
| Total domestic deposits to total assets | 81.2397% | 3,741 |
| Equity capital to assets | 18.6552% | 317 |
| Core capital (leverage) ratio | 16.2109% | 527 |
| Tier 1 risk-based capital ratio | 21.7733% | 1,082 |
| Total risk-based capital ratio | 23.0462% | 1,054 |
| Memoranda: | ||
| Average total assets | $106,465,000 | 3,949 |
| Average earning assets | $98,015,330 | 3,966 |
| Average equity | $18,306,000 | 3,316 |
| Average total loans | $75,681,330 | 3,736 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3936% | 128 |
| Cost of funding earning assets | 1.2771% | 709 |
| Net interest margin | 5.1164% | 234 |
| Noninterest income to average assets | 0.3061% | 3,830 |
| Noninterest expense to average assets | 2.6125% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.3829% | 198 |
| Return on assets (ROA) | 2.3829% | 211 |
| Pretax return on assets | 2.3939% | 303 |
| Return on Equity (ROE) | 14.4156% | 875 |
| Retained earnings to average equity (ytd only) | 13.3135% | 426 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1834% | 4,680 |
| Assets per employee ($millions) | 4.8759% | 2,670 |
| Cash dividends to net income (ytd only)* | 7.6453% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3994% | 93 |
| Loan loss allowance to noncurrent loans | 82.9384% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 2.7538% | 247 |
| Noncurrent loans to loans | 4.0987% | 179 |
| Net loans and leases to total assets | 64.9035% | 3,178 |
| Net loans and leases to deposits | 78.4703% | 3,011 |
| Net loans and leases to core deposits | 82.7395% | 3,129 |
| Total domestic deposits to total assets | 82.7109% | 3,499 |
| Equity capital to assets | 17.2220% | 428 |
| Core capital (leverage) ratio | 14.8013% | 742 |
| Tier 1 risk-based capital ratio | 21.6428% | 1,091 |
| Total risk-based capital ratio | 22.9189% | 1,069 |
| Memoranda: | ||
| Average total assets | $109,781,000 | 3,939 |
| Average earning assets | $100,851,500 | 3,959 |
| Average equity | $18,147,000 | 3,342 |
| Average total loans | $77,401,000 | 3,746 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2303% | 123 |
| Cost of funding earning assets | 1.1038% | 486 |
| Net interest margin | 5.1265% | 213 |
| Noninterest income to average assets | 0.3454% | 3,802 |
| Noninterest expense to average assets | 2.5024% | 3,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.3996% | 171 |
| Return on assets (ROA) | 2.3996% | 169 |
| Pretax return on assets | 2.3996% | 247 |
| Return on Equity (ROE) | 15.6109% | 703 |
| Retained earnings to average equity (ytd only) | 8.9348% | 888 |
| Net charge-offs to loans | 0.1597% | 1,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 20.3130% | 2,008 |
| Efficiency ratio | 51.0486% | 4,871 |
| Assets per employee ($millions) | 4.3189% | 3,432 |
| Cash dividends to net income (ytd only)* | 42.7659% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9614% | 139 |
| Loan loss allowance to noncurrent loans | 80.9382% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.6957% | 263 |
| Noncurrent loans to loans | 3.6589% | 227 |
| Net loans and leases to total assets | 71.4922% | 2,348 |
| Net loans and leases to deposits | 85.3434% | 2,367 |
| Net loans and leases to core deposits | 90.2875% | 2,553 |
| Total domestic deposits to total assets | 83.7700% | 3,063 |
| Equity capital to assets | 15.8693% | 555 |
| Core capital (leverage) ratio | 14.5830% | 777 |
| Tier 1 risk-based capital ratio | 17.3051% | 1,948 |
| Total risk-based capital ratio | 18.5612% | 1,906 |
| Memoranda: | ||
| Average total assets | $110,893,000 | 3,929 |
| Average earning assets | $98,567,000 | 3,995 |
| Average equity | $17,045,800 | 3,390 |
| Average total loans | $82,040,800 | 3,625 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1893% | 120 |
| Cost of funding earning assets | 1.0974% | 406 |
| Net interest margin | 5.0919% | 216 |
| Noninterest income to average assets | 0.3787% | 3,608 |
| Noninterest expense to average assets | 2.3242% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.5317% | 152 |
| Return on assets (ROA) | 2.5317% | 150 |
| Pretax return on assets | 2.5317% | 216 |
| Return on Equity (ROE) | 16.6067% | 597 |
| Retained earnings to average equity (ytd only) | 8.0066% | 1,653 |
| Net charge-offs to loans | 0.1889% | 886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 18.0952% | 2,069 |
| Efficiency ratio | 47.8639% | 5,056 |
| Assets per employee ($millions) | 4.6233% | 2,952 |
| Cash dividends to net income (ytd only)* | 51.7866% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9578% | 148 |
| Loan loss allowance to noncurrent loans | 75.6524% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 3.0630% | 231 |
| Noncurrent loans to loans | 3.9097% | 220 |
| Net loans and leases to total assets | 76.0248% | 1,658 |
| Net loans and leases to deposits | 91.1604% | 1,734 |
| Net loans and leases to core deposits | 96.7484% | 2,048 |
| Total domestic deposits to total assets | 83.3968% | 3,165 |
| Equity capital to assets | 16.2129% | 499 |
| Core capital (leverage) ratio | 13.8736% | 972 |
| Tier 1 risk-based capital ratio | 17.4910% | 1,936 |
| Total risk-based capital ratio | 18.6438% | 1,917 |
| Memoranda: | ||
| Average total assets | $110,543,250 | 3,977 |
| Average earning assets | $97,197,750 | 4,057 |
| Average equity | $16,852,250 | 3,434 |
| Average total loans | $81,868,500 | 3,659 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1721% | 118 |
| Cost of funding earning assets | 1.0507% | 365 |
| Net interest margin | 5.1215% | 194 |
| Noninterest income to average assets | 0.4466% | 3,174 |
| Noninterest expense to average assets | 2.2028% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.6691% | 115 |
| Return on assets (ROA) | 2.6691% | 114 |
| Pretax return on assets | 2.6852% | 162 |
| Return on Equity (ROE) | 17.8676% | 431 |
| Retained earnings to average equity (ytd only) | 9.3883% | 1,096 |
| Net charge-offs to loans | 0.2850% | 563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 12.9569% | 2,174 |
| Efficiency ratio | 45.0658% | 5,254 |
| Assets per employee ($millions) | 4.8053% | 2,673 |
| Cash dividends to net income (ytd only)* | 47.4565% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0571% | 130 |
| Loan loss allowance to noncurrent loans | 96.2500% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 2.3163% | 398 |
| Noncurrent loans to loans | 3.1762% | 335 |
| Net loans and leases to total assets | 70.6972% | 2,476 |
| Net loans and leases to deposits | 83.7076% | 2,570 |
| Net loans and leases to core deposits | 88.5414% | 2,675 |
| Total domestic deposits to total assets | 84.4574% | 2,891 |
| Equity capital to assets | 15.4322% | 604 |
| Core capital (leverage) ratio | 13.6634% | 1,003 |
| Tier 1 risk-based capital ratio | 17.9369% | 1,813 |
| Total risk-based capital ratio | 19.2089% | 1,780 |
| Memoranda: | ||
| Average total assets | $111,946,000 | 3,987 |
| Average earning assets | $97,081,330 | 4,092 |
| Average equity | $16,723,000 | 3,474 |
| Average total loans | $81,389,670 | 3,691 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9978% | 136 |
| Cost of funding earning assets | 1.0158% | 345 |
| Net interest margin | 4.9819% | 232 |
| Noninterest income to average assets | 0.3480% | 3,814 |
| Noninterest expense to average assets | 2.1729% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.5458% | 135 |
| Return on assets (ROA) | 2.5458% | 136 |
| Pretax return on assets | 2.5458% | 194 |
| Return on Equity (ROE) | 17.3225% | 480 |
| Retained earnings to average equity (ytd only) | 11.2343% | 838 |
| Net charge-offs to loans | 0.6114% | 245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.7360% | 2,207 |
| Efficiency ratio | 46.0497% | 5,273 |
| Assets per employee ($millions) | 4.6959% | 2,858 |
| Cash dividends to net income (ytd only)* | 35.1464% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1244% | 137 |
| Loan loss allowance to noncurrent loans | 585.9189% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 3,286 |
| Noncurrent loans to loans | 0.5332% | 2,925 |
| Net loans and leases to total assets | 70.4791% | 2,393 |
| Net loans and leases to deposits | 83.5100% | 2,451 |
| Net loans and leases to core deposits | 87.5608% | 2,672 |
| Total domestic deposits to total assets | 84.3961% | 3,148 |
| Equity capital to assets | 15.5085% | 564 |
| Core capital (leverage) ratio | 13.0263% | 1,172 |
| Tier 1 risk-based capital ratio | 18.6230% | 1,660 |
| Total risk-based capital ratio | 19.8975% | 1,613 |
| Memoranda: | ||
| Average total assets | $112,658,000 | 4,016 |
| Average earning assets | $98,837,000 | 4,119 |
| Average equity | $16,556,500 | 3,520 |
| Average total loans | $81,784,500 | 3,716 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3921% | 85 |
| Cost of funding earning assets | 0.8914% | 392 |
| Net interest margin | 5.5007% | 102 |
| Noninterest income to average assets | 0.3812% | 3,758 |
| Noninterest expense to average assets | 2.2393% | 4,456 |
| Loan and lease loss provision to assets | 0.8907% | 120 |
| Net operating income to assets | 2.1102% | 226 |
| Return on assets (ROA) | 2.1102% | 233 |
| Pretax return on assets | 2.1102% | 386 |
| Return on Equity (ROE) | 15.0436% | 604 |
| Retained earnings to average equity (ytd only) | 6.4835% | 1,286 |
| Net charge-offs to loans | 0.1310% | 1,743 |
| Credit loss provision to net charge-offs | 900.9009% | 393 |
| Earnings coverage of net charge-offs (x) | 30.3514% | 1,536 |
| Efficiency ratio | 42.7333% | 5,478 |
| Assets per employee ($millions) | 4.8880% | 2,619 |
| Cash dividends to net income (ytd only)* | 56.9016% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0367% | 136 |
| Loan loss allowance to noncurrent loans | 315.5257% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 2,225 |
| Noncurrent loans to loans | 0.9624% | 1,839 |
| Net loans and leases to total assets | 70.2509% | 2,489 |
| Net loans and leases to deposits | 81.7450% | 2,746 |
| Net loans and leases to core deposits | 85.2658% | 2,964 |
| Total domestic deposits to total assets | 85.9391% | 2,468 |
| Equity capital to assets | 13.9484% | 927 |
| Core capital (leverage) ratio | 12.4908% | 1,365 |
| Tier 1 risk-based capital ratio | 18.4039% | 1,677 |
| Total risk-based capital ratio | 19.6806% | 1,626 |
| Memoranda: | ||
| Average total assets | $112,266,800 | 4,023 |
| Average earning assets | $99,169,400 | 4,116 |
| Average equity | $15,747,600 | 3,634 |
| Average total loans | $84,717,800 | 3,643 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3933% | 80 |
| Cost of funding earning assets | 0.8823% | 388 |
| Net interest margin | 5.5110% | 102 |
| Noninterest income to average assets | 0.3868% | 3,775 |
| Noninterest expense to average assets | 2.1248% | 4,678 |
| Loan and lease loss provision to assets | 1.2011% | 81 |
| Net operating income to assets | 1.9302% | 359 |
| Return on assets (ROA) | 1.9302% | 365 |
| Pretax return on assets | 1.9302% | 636 |
| Return on Equity (ROE) | 13.7402% | 890 |
| Retained earnings to average equity (ytd only) | 2.6677% | 4,301 |
| Net charge-offs to loans | 0.1370% | 1,427 |
| Credit loss provision to net charge-offs | 1,149.4253% | 320 |
| Earnings coverage of net charge-offs (x) | 29.9647% | 1,557 |
| Efficiency ratio | 40.4250% | 5,571 |
| Assets per employee ($millions) | 4.5470% | 3,056 |
| Cash dividends to net income (ytd only)* | 80.5849% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9562% | 159 |
| Loan loss allowance to noncurrent loans | 361.1650% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6607% | 2,524 |
| Noncurrent loans to loans | 0.8185% | 2,321 |
| Net loans and leases to total assets | 78.3302% | 1,222 |
| Net loans and leases to deposits | 91.6745% | 1,607 |
| Net loans and leases to core deposits | 96.6652% | 2,005 |
| Total domestic deposits to total assets | 85.4438% | 2,538 |
| Equity capital to assets | 14.4444% | 870 |
| Core capital (leverage) ratio | 12.3144% | 1,507 |
| Tier 1 risk-based capital ratio | 16.9241% | 2,174 |
| Total risk-based capital ratio | 18.2006% | 2,127 |
| Memoranda: | ||
| Average total assets | $111,005,750 | 4,091 |
| Average earning assets | $98,079,500 | 4,169 |
| Average equity | $15,593,750 | 3,680 |
| Average total loans | $84,649,000 | 3,671 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3020% | 90 |
| Cost of funding earning assets | 0.8494% | 405 |
| Net interest margin | 5.4527% | 108 |
| Noninterest income to average assets | 0.3870% | 3,776 |
| Noninterest expense to average assets | 2.0604% | 4,853 |
| Loan and lease loss provision to assets | 1.7916% | 51 |
| Net operating income to assets | 1.3312% | 1,212 |
| Return on assets (ROA) | 1.3312% | 1,237 |
| Pretax return on assets | 1.3312% | 2,266 |
| Return on Equity (ROE) | 9.5641% | 2,235 |
| Retained earnings to average equity (ytd only) | -1.8665% | 5,337 |
| Net charge-offs to loans | 0.1557% | 1,227 |
| Credit loss provision to net charge-offs | 1,538.4615% | 266 |
| Earnings coverage of net charge-offs (x) | 26.8154% | 1,560 |
| Efficiency ratio | 39.7511% | 5,635 |
| Assets per employee ($millions) | 4.8253% | 2,615 |
| Cash dividends to net income (ytd only)* | 119.5155% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1070% | 145 |
| Loan loss allowance to noncurrent loans | 96.6863% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 2.4472% | 455 |
| Noncurrent loans to loans | 3.2135% | 382 |
| Net loans and leases to total assets | 73.7894% | 1,910 |
| Net loans and leases to deposits | 85.6810% | 2,259 |
| Net loans and leases to core deposits | 90.2094% | 2,498 |
| Total domestic deposits to total assets | 86.1212% | 2,327 |
| Equity capital to assets | 13.7914% | 1,049 |
| Core capital (leverage) ratio | 11.7588% | 1,791 |
| Tier 1 risk-based capital ratio | 16.0572% | 2,481 |
| Total risk-based capital ratio | 17.3332% | 2,413 |
| Memoranda: | ||
| Average total assets | $111,631,330 | 4,105 |
| Average earning assets | $98,190,670 | 4,198 |
| Average equity | $15,537,330 | 3,698 |
| Average total loans | $83,503,670 | 3,703 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1858% | 100 |
| Cost of funding earning assets | 0.7976% | 494 |
| Net interest margin | 5.3882% | 122 |
| Noninterest income to average assets | 0.3751% | 3,837 |
| Noninterest expense to average assets | 2.2152% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.8904% | 99 |
| Return on assets (ROA) | 2.8904% | 103 |
| Pretax return on assets | 2.8904% | 146 |
| Return on Equity (ROE) | 20.6734% | 202 |
| Retained earnings to average equity (ytd only) | 11.9338% | 478 |
| Net charge-offs to loans | 0.3181% | 582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 12.2576% | 1,847 |
| Efficiency ratio | 43.3870% | 5,615 |
| Assets per employee ($millions) | 4.8754% | 2,601 |
| Cash dividends to net income (ytd only)* | 42.2744% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9784% | 695 |
| Loan loss allowance to noncurrent loans | 277.3038% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 3,145 |
| Noncurrent loans to loans | 0.7134% | 2,708 |
| Net loans and leases to total assets | 71.8016% | 2,098 |
| Net loans and leases to deposits | 83.7257% | 2,317 |
| Net loans and leases to core deposits | 88.0984% | 2,537 |
| Total domestic deposits to total assets | 85.7581% | 2,771 |
| Equity capital to assets | 14.1714% | 855 |
| Core capital (leverage) ratio | 12.1322% | 1,547 |
| Tier 1 risk-based capital ratio | 15.9584% | 2,566 |
| Total risk-based capital ratio | 17.2169% | 2,514 |
| Memoranda: | ||
| Average total assets | $111,956,000 | 4,137 |
| Average earning assets | $98,289,500 | 4,227 |
| Average equity | $15,653,000 | 3,703 |
| Average total loans | $82,996,000 | 3,743 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8922% | 139 |
| Cost of funding earning assets | 0.6131% | 1,254 |
| Net interest margin | 5.2790% | 153 |
| Noninterest income to average assets | 0.4399% | 3,619 |
| Noninterest expense to average assets | 2.3335% | 4,476 |
| Loan and lease loss provision to assets | 0.4931% | 282 |
| Net operating income to assets | 2.2753% | 207 |
| Return on assets (ROA) | 2.2753% | 218 |
| Pretax return on assets | 2.2753% | 292 |
| Return on Equity (ROE) | 15.5942% | 548 |
| Retained earnings to average equity (ytd only) | 8.8211% | 621 |
| Net charge-offs to loans | 0.0041% | 4,106 |
| Credit loss provision to net charge-offs | 16,666.6667% | 25 |
| Earnings coverage of net charge-offs (x) | 935.6667% | 82 |
| Efficiency ratio | 45.7375% | 5,648 |
| Assets per employee ($millions) | 5.5889% | 1,795 |
| Cash dividends to net income (ytd only)* | 43.4330% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0166% | 634 |
| Loan loss allowance to noncurrent loans | 169,100.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,448 |
| Noncurrent loans to loans | 0.0012% | 5,319 |
| Net loans and leases to total assets | 73.5046% | 1,932 |
| Net loans and leases to deposits | 85.3445% | 2,257 |
| Net loans and leases to core deposits | 89.7759% | 2,524 |
| Total domestic deposits to total assets | 86.1270% | 2,521 |
| Equity capital to assets | 13.7907% | 955 |
| Core capital (leverage) ratio | 12.1069% | 1,532 |
| Tier 1 risk-based capital ratio | 15.4624% | 2,762 |
| Total risk-based capital ratio | 16.7218% | 2,695 |
| Memoranda: | ||
| Average total assets | $101,393,200 | 4,326 |
| Average earning assets | $89,542,800 | 4,397 |
| Average equity | $14,794,000 | 3,834 |
| Average total loans | $73,784,200 | 3,948 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7767% | 174 |
| Cost of funding earning assets | 0.5848% | 1,458 |
| Net interest margin | 5.1919% | 173 |
| Noninterest income to average assets | 0.4507% | 3,554 |
| Noninterest expense to average assets | 2.2591% | 4,627 |
| Loan and lease loss provision to assets | 0.3374% | 483 |
| Net operating income to assets | 2.4427% | 169 |
| Return on assets (ROA) | 2.4427% | 177 |
| Pretax return on assets | 2.4427% | 242 |
| Return on Equity (ROE) | 16.4855% | 496 |
| Retained earnings to average equity (ytd only) | 8.0788% | 1,141 |
| Net charge-offs to loans | 0.0056% | 3,711 |
| Credit loss provision to net charge-offs | 8,333.3333% | 63 |
| Earnings coverage of net charge-offs (x) | 686.6500% | 134 |
| Efficiency ratio | 44.8313% | 5,716 |
| Assets per employee ($millions) | 5.3103% | 2,036 |
| Cash dividends to net income (ytd only)* | 50.9947% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 1,190 |
| Loan loss allowance to noncurrent loans | 6,004.1667% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 5,421 |
| Noncurrent loans to loans | 0.0285% | 5,267 |
| Net loans and leases to total assets | 77.8760% | 1,219 |
| Net loans and leases to deposits | 92.9127% | 1,380 |
| Net loans and leases to core deposits | 98.1243% | 1,800 |
| Total domestic deposits to total assets | 83.8164% | 3,267 |
| Equity capital to assets | 14.2186% | 960 |
| Core capital (leverage) ratio | 12.1335% | 1,582 |
| Tier 1 risk-based capital ratio | 14.9073% | 3,093 |
| Total risk-based capital ratio | 16.1636% | 3,021 |
| Memoranda: | ||
| Average total assets | $98,797,000 | 4,398 |
| Average earning assets | $87,313,500 | 4,486 |
| Average equity | $14,638,750 | 3,892 |
| Average total loans | $71,267,000 | 4,035 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5224% | 245 |
| Cost of funding earning assets | 0.5457% | 1,729 |
| Net interest margin | 4.9768% | 269 |
| Noninterest income to average assets | 0.4713% | 3,402 |
| Noninterest expense to average assets | 2.3005% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.5642% | 140 |
| Return on assets (ROA) | 2.5642% | 140 |
| Pretax return on assets | 2.5642% | 201 |
| Return on Equity (ROE) | 17.0525% | 436 |
| Retained earnings to average equity (ytd only) | 7.3319% | 1,459 |
| Net charge-offs to loans | 0.0090% | 3,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 411.6667% | 167 |
| Efficiency ratio | 47.2898% | 5,697 |
| Assets per employee ($millions) | 4.4424% | 3,127 |
| Cash dividends to net income (ytd only)* | 57.0040% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 1,675 |
| Loan loss allowance to noncurrent loans | 307.7519% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 3,971 |
| Noncurrent loans to loans | 0.5035% | 3,574 |
| Net loans and leases to total assets | 74.0602% | 1,829 |
| Net loans and leases to deposits | 88.6679% | 1,902 |
| Net loans and leases to core deposits | 93.8322% | 2,184 |
| Total domestic deposits to total assets | 83.5253% | 3,455 |
| Equity capital to assets | 14.4390% | 890 |
| Core capital (leverage) ratio | 13.0200% | 1,144 |
| Tier 1 risk-based capital ratio | 17.0450% | 2,201 |
| Total risk-based capital ratio | 18.3008% | 2,159 |
| Memoranda: | ||
| Average total assets | $96,327,330 | 4,492 |
| Average earning assets | $85,035,000 | 4,564 |
| Average equity | $14,484,670 | 3,934 |
| Average total loans | $66,972,670 | 4,171 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4562% | 276 |
| Cost of funding earning assets | 0.5466% | 1,745 |
| Net interest margin | 4.9096% | 307 |
| Noninterest income to average assets | 0.4497% | 3,488 |
| Noninterest expense to average assets | 2.3725% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.3853% | 185 |
| Return on assets (ROA) | 2.3853% | 193 |
| Pretax return on assets | 2.3853% | 288 |
| Return on Equity (ROE) | 15.5256% | 598 |
| Retained earnings to average equity (ytd only) | 9.8115% | 894 |
| Net charge-offs to loans | 0.0129% | 2,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 278.5000% | 216 |
| Efficiency ratio | 49.8650% | 5,635 |
| Assets per employee ($millions) | 4.5163% | 3,039 |
| Cash dividends to net income (ytd only)* | 36.8043% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 1,075 |
| Loan loss allowance to noncurrent loans | 1,268.0851% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 5,206 |
| Noncurrent loans to loans | 0.1450% | 4,897 |
| Net loans and leases to total assets | 64.0274% | 3,236 |
| Net loans and leases to deposits | 75.0741% | 3,316 |
| Net loans and leases to core deposits | 79.7655% | 3,338 |
| Total domestic deposits to total assets | 85.2857% | 3,005 |
| Equity capital to assets | 14.6479% | 789 |
| Core capital (leverage) ratio | 12.8044% | 1,236 |
| Tier 1 risk-based capital ratio | 18.3072% | 1,906 |
| Total risk-based capital ratio | 19.5648% | 1,866 |
| Memoranda: | ||
| Average total assets | $93,403,500 | 4,591 |
| Average earning assets | $81,961,500 | 4,660 |
| Average equity | $14,350,500 | 3,959 |
| Average total loans | $62,028,000 | 4,312 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6094% | 231 |
| Cost of funding earning assets | 0.5587% | 1,689 |
| Net interest margin | 5.0507% | 229 |
| Noninterest income to average assets | 0.5222% | 3,182 |
| Noninterest expense to average assets | 2.7274% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.1170% | 285 |
| Return on assets (ROA) | 2.1170% | 290 |
| Pretax return on assets | 2.1170% | 411 |
| Return on Equity (ROE) | 13.8693% | 860 |
| Retained earnings to average equity (ytd only) | 7.8788% | 955 |
| Net charge-offs to loans | 0.0298% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 104.0556% | 558 |
| Efficiency ratio | 56.2996% | 5,315 |
| Assets per employee ($millions) | 3.8021% | 4,288 |
| Cash dividends to net income (ytd only)* | 43.1927% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0153% | 783 |
| Loan loss allowance to noncurrent loans | 1,356.8182% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 5,205 |
| Noncurrent loans to loans | 0.1485% | 4,902 |
| Net loans and leases to total assets | 66.3857% | 2,930 |
| Net loans and leases to deposits | 79.5650% | 2,874 |
| Net loans and leases to core deposits | 85.9344% | 2,804 |
| Total domestic deposits to total assets | 83.4359% | 3,698 |
| Equity capital to assets | 16.1776% | 499 |
| Core capital (leverage) ratio | 13.5925% | 937 |
| Tier 1 risk-based capital ratio | 20.1337% | 1,457 |
| Total risk-based capital ratio | 21.3941% | 1,428 |
| Memoranda: | ||
| Average total assets | $88,473,200 | 4,701 |
| Average earning assets | $75,712,600 | 4,815 |
| Average equity | $13,504,600 | 4,045 |
| Average total loans | $60,359,600 | 4,369 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4368% | 300 |
| Cost of funding earning assets | 0.5572% | 1,743 |
| Net interest margin | 4.8796% | 322 |
| Noninterest income to average assets | 0.4793% | 3,507 |
| Noninterest expense to average assets | 2.6342% | 3,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0301% | 347 |
| Return on assets (ROA) | 2.0301% | 363 |
| Pretax return on assets | 2.0301% | 564 |
| Return on Equity (ROE) | 13.4989% | 1,006 |
| Retained earnings to average equity (ytd only) | 5.9651% | 2,271 |
| Net charge-offs to loans | 0.0396% | 3,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 75.0538% | 776 |
| Efficiency ratio | 56.4755% | 5,288 |
| Assets per employee ($millions) | 3.6454% | 4,529 |
| Cash dividends to net income (ytd only)* | 55.8106% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8788% | 1,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 5,236 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 74.3715% | 1,664 |
| Net loans and leases to deposits | 89.4083% | 1,722 |
| Net loans and leases to core deposits | 96.8772% | 1,806 |
| Total domestic deposits to total assets | 83.1819% | 3,739 |
| Equity capital to assets | 16.3900% | 507 |
| Core capital (leverage) ratio | 12.8417% | 1,256 |
| Tier 1 risk-based capital ratio | 16.9938% | 2,381 |
| Total risk-based capital ratio | 18.2511% | 2,324 |
| Memoranda: | ||
| Average total assets | $88,729,500 | 4,754 |
| Average earning assets | $76,097,250 | 4,865 |
| Average equity | $13,344,000 | 4,114 |
| Average total loans | $60,637,750 | 4,410 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1828% | 439 |
| Cost of funding earning assets | 0.5483% | 1,836 |
| Net interest margin | 4.6345% | 500 |
| Noninterest income to average assets | 0.4936% | 3,422 |
| Noninterest expense to average assets | 2.6428% | 3,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7796% | 536 |
| Return on assets (ROA) | 1.7796% | 563 |
| Pretax return on assets | 1.7796% | 926 |
| Return on Equity (ROE) | 12.1714% | 1,324 |
| Retained earnings to average equity (ytd only) | 4.2842% | 3,296 |
| Net charge-offs to loans | 0.0369% | 2,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 73.0909% | 755 |
| Efficiency ratio | 59.7598% | 5,015 |
| Assets per employee ($millions) | 3.9537% | 3,974 |
| Cash dividends to net income (ytd only)* | 64.8010% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 1,182 |
| Loan loss allowance to noncurrent loans | 991.7355% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 4,864 |
| Noncurrent loans to loans | 0.1908% | 5,013 |
| Net loans and leases to total assets | 68.4214% | 2,584 |
| Net loans and leases to deposits | 80.6071% | 2,711 |
| Net loans and leases to core deposits | 86.6138% | 2,694 |
| Total domestic deposits to total assets | 84.8826% | 3,177 |
| Equity capital to assets | 14.7303% | 762 |
| Core capital (leverage) ratio | 12.3168% | 1,477 |
| Tier 1 risk-based capital ratio | 18.2633% | 1,992 |
| Total risk-based capital ratio | 19.5226% | 1,955 |
| Memoranda: | ||
| Average total assets | $90,358,000 | 4,757 |
| Average earning assets | $76,600,000 | 4,903 |
| Average equity | $13,211,330 | 4,166 |
| Average total loans | $59,667,000 | 4,475 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1779% | 419 |
| Cost of funding earning assets | 0.5534% | 1,812 |
| Net interest margin | 4.6244% | 477 |
| Noninterest income to average assets | 0.4663% | 3,526 |
| Noninterest expense to average assets | 2.6913% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6343% | 671 |
| Return on assets (ROA) | 1.6343% | 703 |
| Pretax return on assets | 1.6343% | 1,182 |
| Return on Equity (ROE) | 11.2199% | 1,574 |
| Retained earnings to average equity (ytd only) | 3.7501% | 3,756 |
| Net charge-offs to loans | 0.0831% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,140 |
| Efficiency ratio | 62.2177% | 4,764 |
| Assets per employee ($millions) | 4.1000% | 3,756 |
| Cash dividends to net income (ytd only)* | 66.5761% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1386% | 871 |
| Loan loss allowance to noncurrent loans | 4,444.4444% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 4,725 |
| Noncurrent loans to loans | 0.0481% | 5,589 |
| Net loans and leases to total assets | 60.8763% | 3,542 |
| Net loans and leases to deposits | 71.6835% | 3,563 |
| Net loans and leases to core deposits | 77.3144% | 3,446 |
| Total domestic deposits to total assets | 84.9237% | 3,445 |
| Equity capital to assets | 14.6562% | 790 |
| Core capital (leverage) ratio | 11.9222% | 1,686 |
| Tier 1 risk-based capital ratio | 19.1388% | 1,831 |
| Total risk-based capital ratio | 20.4000% | 1,782 |
| Memoranda: | ||
| Average total assets | $90,069,500 | 4,808 |
| Average earning assets | $75,166,000 | 4,985 |
| Average equity | $13,119,500 | 4,216 |
| Average total loans | $57,791,000 | 4,550 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2774% | 457 |
| Cost of funding earning assets | 0.5780% | 1,974 |
| Net interest margin | 4.6994% | 521 |
| Noninterest income to average assets | 0.5590% | 3,127 |
| Noninterest expense to average assets | 2.8071% | 3,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8211% | 459 |
| Return on assets (ROA) | 1.9095% | 398 |
| Pretax return on assets | 1.9095% | 627 |
| Return on Equity (ROE) | 12.2193% | 1,348 |
| Retained earnings to average equity (ytd only) | 7.6066% | 1,157 |
| Net charge-offs to loans | 0.0380% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 74.3889% | 676 |
| Efficiency ratio | 60.6524% | 5,123 |
| Assets per employee ($millions) | 3.9103% | 4,142 |
| Cash dividends to net income (ytd only)* | 37.7493% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 1,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 4,750 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 64.7768% | 3,092 |
| Net loans and leases to deposits | 76.1735% | 3,175 |
| Net loans and leases to core deposits | 82.4638% | 3,048 |
| Total domestic deposits to total assets | 85.0386% | 3,266 |
| Equity capital to assets | 14.4755% | 819 |
| Core capital (leverage) ratio | 11.9901% | 1,624 |
| Tier 1 risk-based capital ratio | 18.1360% | 2,097 |
| Total risk-based capital ratio | 19.3961% | 2,055 |
| Memoranda: | ||
| Average total assets | $73,528,200 | 5,198 |
| Average earning assets | $63,668,000 | 5,289 |
| Average equity | $11,490,000 | 4,457 |
| Average total loans | $47,354,400 | 4,906 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2943% | 445 |
| Cost of funding earning assets | 0.5851% | 1,969 |
| Net interest margin | 4.7092% | 499 |
| Noninterest income to average assets | 0.5896% | 2,935 |
| Noninterest expense to average assets | 2.7847% | 3,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9013% | 419 |
| Return on assets (ROA) | 1.9051% | 430 |
| Pretax return on assets | 1.9051% | 714 |
| Return on Equity (ROE) | 11.9073% | 1,502 |
| Retained earnings to average equity (ytd only) | 6.4338% | 2,148 |
| Net charge-offs to loans | 0.0030% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 992.4586% | 73 |
| Efficiency ratio | 59.4262% | 5,261 |
| Assets per employee ($millions) | 5.1919% | 2,026 |
| Cash dividends to net income (ytd only)* | 45.9675% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4214% | 710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 4,952 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 56.1125% | 4,315 |
| Net loans and leases to deposits | 65.7952% | 4,352 |
| Net loans and leases to core deposits | 72.2417% | 4,129 |
| Total domestic deposits to total assets | 85.2836% | 3,226 |
| Equity capital to assets | 14.3482% | 896 |
| Core capital (leverage) ratio | 12.2744% | 1,530 |
| Tier 1 risk-based capital ratio | 18.7026% | 1,987 |
| Total risk-based capital ratio | 19.9658% | 1,951 |
| Memoranda: | ||
| Average total assets | $69,425,750 | 5,362 |
| Average earning assets | $60,390,500 | 5,444 |
| Average equity | $11,107,750 | 4,572 |
| Average total loans | $44,325,250 | 5,079 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4838% | 316 |
| Cost of funding earning assets | 0.6199% | 1,733 |
| Net interest margin | 4.8639% | 371 |
| Noninterest income to average assets | 0.6303% | 2,652 |
| Noninterest expense to average assets | 2.8125% | 3,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0175% | 325 |
| Return on assets (ROA) | 2.0238% | 336 |
| Pretax return on assets | 2.0238% | 533 |
| Return on Equity (ROE) | 12.0691% | 1,401 |
| Retained earnings to average equity (ytd only) | 7.4228% | 1,555 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2295% | 5,528 |
| Assets per employee ($millions) | 3.9059% | 4,046 |
| Cash dividends to net income (ytd only)* | 38.4977% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3394% | 864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 4,694 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 67.6476% | 2,475 |
| Net loans and leases to deposits | 81.1791% | 2,361 |
| Net loans and leases to core deposits | 91.0598% | 2,026 |
| Total domestic deposits to total assets | 83.3313% | 4,179 |
| Equity capital to assets | 16.2244% | 510 |
| Core capital (leverage) ratio | 13.7514% | 902 |
| Tier 1 risk-based capital ratio | 18.6712% | 2,012 |
| Total risk-based capital ratio | 19.9339% | 1,969 |
| Memoranda: | ||
| Average total assets | $63,147,000 | 5,584 |
| Average earning assets | $54,524,330 | 5,676 |
| Average equity | $10,589,000 | 4,684 |
| Average total loans | $42,182,000 | 5,193 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5349% | 275 |
| Cost of funding earning assets | 0.5930% | 2,035 |
| Net interest margin | 4.9419% | 305 |
| Noninterest income to average assets | 0.6307% | 2,563 |
| Noninterest expense to average assets | 2.8153% | 3,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0416% | 313 |
| Return on assets (ROA) | 2.0481% | 320 |
| Pretax return on assets | 2.0481% | 477 |
| Return on Equity (ROE) | 12.0034% | 1,403 |
| Retained earnings to average equity (ytd only) | 9.6790% | 1,056 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9652% | 5,653 |
| Assets per employee ($millions) | 3.9896% | 3,967 |
| Cash dividends to net income (ytd only)* | 19.3651% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6804% | 644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0355% | 3,182 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 61.2009% | 3,363 |
| Net loans and leases to deposits | 73.8632% | 3,081 |
| Net loans and leases to core deposits | 81.5680% | 2,784 |
| Total domestic deposits to total assets | 82.8571% | 4,659 |
| Equity capital to assets | 16.6980% | 433 |
| Core capital (leverage) ratio | 14.2726% | 738 |
| Tier 1 risk-based capital ratio | 19.8524% | 1,758 |
| Total risk-based capital ratio | 21.1170% | 1,719 |
| Memoranda: | ||
| Average total assets | $61,520,500 | 5,669 |
| Average earning assets | $52,611,500 | 5,770 |
| Average equity | $10,497,000 | 4,729 |
| Average total loans | $40,276,000 | 5,312 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1930% | 648 |
| Cost of funding earning assets | 0.5558% | 3,062 |
| Net interest margin | 4.6372% | 562 |
| Noninterest income to average assets | 0.8499% | 1,867 |
| Noninterest expense to average assets | 2.8768% | 3,440 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.0674% | 300 |
| Return on assets (ROA) | 2.0674% | 305 |
| Pretax return on assets | 2.0674% | 416 |
| Return on Equity (ROE) | 12.2907% | 1,330 |
| Retained earnings to average equity (ytd only) | 6.3960% | 1,742 |
| Net charge-offs to loans | 0.0212% | 5,012 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 153.2500% | 303 |
| Efficiency ratio | 58.1855% | 5,716 |
| Assets per employee ($millions) | 3.4828% | 4,933 |
| Cash dividends to net income (ytd only)* | 47.9608% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6628% | 688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7178% | 4,091 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 66.4330% | 2,625 |
| Net loans and leases to deposits | 80.9921% | 2,323 |
| Net loans and leases to core deposits | 90.2568% | 1,993 |
| Total domestic deposits to total assets | 82.0241% | 4,867 |
| Equity capital to assets | 17.4557% | 360 |
| Core capital (leverage) ratio | 13.8778% | 860 |
| Tier 1 risk-based capital ratio | 20.0764% | 1,636 |
| Total risk-based capital ratio | 21.3436% | 1,605 |
| Memoranda: | ||
| Average total assets | $59,302,800 | 5,776 |
| Average earning assets | $52,359,400 | 5,825 |
| Average equity | $9,975,000 | 4,851 |
| Average total loans | $37,803,000 | 5,434 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 934 |
| Cost of funding earning assets | 0.5437% | 3,334 |
| Net interest margin | 4.4611% | 786 |
| Noninterest income to average assets | 0.8922% | 1,783 |
| Noninterest expense to average assets | 2.6227% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.2159% | 251 |
| Return on assets (ROA) | 2.2159% | 260 |
| Pretax return on assets | 2.2159% | 371 |
| Return on Equity (ROE) | 13.2992% | 1,170 |
| Retained earnings to average equity (ytd only) | 5.3682% | 2,819 |
| Net charge-offs to loans | 0.0897% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 39.4428% | 1,014 |
| Efficiency ratio | 54.2034% | 6,091 |
| Assets per employee ($millions) | 3.8092% | 4,216 |
| Cash dividends to net income (ytd only)* | 59.6350% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5326% | 902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 4,360 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 66.8712% | 2,490 |
| Net loans and leases to deposits | 80.6331% | 2,318 |
| Net loans and leases to core deposits | 92.2812% | 1,751 |
| Total domestic deposits to total assets | 82.9327% | 4,600 |
| Equity capital to assets | 16.5783% | 465 |
| Core capital (leverage) ratio | 13.7593% | 936 |
| Tier 1 risk-based capital ratio | 21.0518% | 1,485 |
| Total risk-based capital ratio | 22.3209% | 1,460 |
| Memoranda: | ||
| Average total assets | $59,326,750 | 5,838 |
| Average earning assets | $52,481,750 | 5,886 |
| Average equity | $9,885,000 | 4,929 |
| Average total loans | $37,151,500 | 5,510 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 1,495 |
| Cost of funding earning assets | 0.5342% | 3,557 |
| Net interest margin | 4.1935% | 1,293 |
| Noninterest income to average assets | 0.7859% | 2,259 |
| Noninterest expense to average assets | 2.6162% | 4,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9086% | 421 |
| Return on assets (ROA) | 1.9086% | 456 |
| Pretax return on assets | 1.9086% | 742 |
| Return on Equity (ROE) | 11.4350% | 1,660 |
| Retained earnings to average equity (ytd only) | 2.5887% | 4,656 |
| Net charge-offs to loans | -0.2641% | 6,731 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8195% | 5,760 |
| Assets per employee ($millions) | 3.8028% | 4,199 |
| Cash dividends to net income (ytd only)* | 77.3619% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9706% | 600 |
| Loan loss allowance to noncurrent loans | 2,630.2326% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 4,284 |
| Noncurrent loans to loans | 0.1129% | 6,058 |
| Net loans and leases to total assets | 60.7159% | 3,534 |
| Net loans and leases to deposits | 72.7907% | 3,338 |
| Net loans and leases to core deposits | 83.7004% | 2,598 |
| Total domestic deposits to total assets | 83.4117% | 4,539 |
| Equity capital to assets | 16.1150% | 512 |
| Core capital (leverage) ratio | 13.9234% | 842 |
| Tier 1 risk-based capital ratio | 21.6005% | 1,368 |
| Total risk-based capital ratio | 22.8732% | 1,332 |
| Memoranda: | ||
| Average total assets | $58,786,670 | 5,885 |
| Average earning assets | $52,414,000 | 5,924 |
| Average equity | $9,812,000 | 4,984 |
| Average total loans | $35,597,000 | 5,594 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 1,926 |
| Cost of funding earning assets | 0.5448% | 3,621 |
| Net interest margin | 4.0236% | 1,699 |
| Noninterest income to average assets | 0.7826% | 2,200 |
| Noninterest expense to average assets | 2.6455% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7175% | 563 |
| Return on assets (ROA) | 1.7175% | 625 |
| Pretax return on assets | 1.7175% | 1,037 |
| Return on Equity (ROE) | 10.1065% | 2,023 |
| Retained earnings to average equity (ytd only) | 1.7931% | 5,093 |
| Net charge-offs to loans | -0.5472% | 6,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6349% | 5,500 |
| Assets per employee ($millions) | 3.9301% | 4,103 |
| Cash dividends to net income (ytd only)* | 82.2581% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2533% | 517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 4,539 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 57.0542% | 3,914 |
| Net loans and leases to deposits | 68.8488% | 3,658 |
| Net loans and leases to core deposits | 79.5826% | 2,856 |
| Total domestic deposits to total assets | 82.8688% | 4,901 |
| Equity capital to assets | 16.6817% | 466 |
| Core capital (leverage) ratio | 13.6403% | 891 |
| Tier 1 risk-based capital ratio | 22.6546% | 1,209 |
| Total risk-based capital ratio | 23.9302% | 1,187 |
| Memoranda: | ||
| Average total assets | $57,758,000 | 5,970 |
| Average earning assets | $51,397,000 | 6,009 |
| Average equity | $9,815,500 | 5,034 |
| Average total loans | $34,359,000 | 5,694 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 1,050 |
| Cost of funding earning assets | 0.6661% | 3,777 |
| Net interest margin | 4.5679% | 831 |
| Noninterest income to average assets | 0.6243% | 3,144 |
| Noninterest expense to average assets | 2.9610% | 3,423 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5017% | 911 |
| Return on assets (ROA) | 1.7530% | 620 |
| Pretax return on assets | 1.7530% | 1,018 |
| Return on Equity (ROE) | 10.0479% | 2,151 |
| Retained earnings to average equity (ytd only) | 7.5703% | 1,301 |
| Net charge-offs to loans | -0.1186% | 6,864 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3493% | 4,437 |
| Assets per employee ($millions) | 4.0404% | 3,864 |
| Cash dividends to net income (ytd only)* | 24.6575% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1926% | 556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7637% | 4,556 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 58.1084% | 3,963 |
| Net loans and leases to deposits | 70.6222% | 3,618 |
| Net loans and leases to core deposits | 81.7088% | 2,799 |
| Total domestic deposits to total assets | 82.2806% | 4,999 |
| Equity capital to assets | 17.3199% | 382 |
| Core capital (leverage) ratio | 14.3223% | 716 |
| Tier 1 risk-based capital ratio | 20.4200% | 1,582 |
| Total risk-based capital ratio | 21.6910% | 1,547 |
| Memoranda: | ||
| Average total assets | $54,137,000 | 6,082 |
| Average earning assets | $45,491,400 | 6,190 |
| Average equity | $9,444,800 | 5,121 |
| Average total loans | $32,030,400 | 5,851 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0435% | 1,572 |
| Cost of funding earning assets | 0.7046% | 3,722 |
| Net interest margin | 4.3389% | 1,378 |
| Noninterest income to average assets | 0.6152% | 3,185 |
| Noninterest expense to average assets | 2.7598% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4446% | 1,137 |
| Return on assets (ROA) | 1.4446% | 1,259 |
| Pretax return on assets | 1.4446% | 2,095 |
| Return on Equity (ROE) | 8.2647% | 3,159 |
| Retained earnings to average equity (ytd only) | 4.9303% | 3,412 |
| Net charge-offs to loans | -0.0845% | 6,820 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6398% | 4,516 |
| Assets per employee ($millions) | 3.3974% | 5,217 |
| Cash dividends to net income (ytd only)* | 40.3448% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9206% | 784 |
| Loan loss allowance to noncurrent loans | 240.3153% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 1.6171% | 3,164 |
| Noncurrent loans to loans | 1.2153% | 4,023 |
| Net loans and leases to total assets | 65.2471% | 2,790 |
| Net loans and leases to deposits | 79.5189% | 2,475 |
| Net loans and leases to core deposits | 90.7502% | 1,900 |
| Total domestic deposits to total assets | 82.0523% | 5,000 |
| Equity capital to assets | 17.6257% | 391 |
| Core capital (leverage) ratio | 13.7402% | 928 |
| Tier 1 risk-based capital ratio | 21.2829% | 1,456 |
| Total risk-based capital ratio | 22.5552% | 1,423 |
| Memoranda: | ||
| Average total assets | $53,530,000 | 6,171 |
| Average earning assets | $44,280,750 | 6,302 |
| Average equity | $9,356,750 | 5,188 |
| Average total loans | $31,549,750 | 5,946 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8312% | 2,377 |
| Cost of funding earning assets | 0.7514% | 3,597 |
| Net interest margin | 4.0798% | 2,168 |
| Noninterest income to average assets | 0.7098% | 2,613 |
| Noninterest expense to average assets | 2.7716% | 4,124 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2619% | 1,539 |
| Return on assets (ROA) | 1.2619% | 1,707 |
| Pretax return on assets | 1.2619% | 2,686 |
| Return on Equity (ROE) | 7.2398% | 3,651 |
| Retained earnings to average equity (ytd only) | 3.2967% | 4,409 |
| Net charge-offs to loans | -0.0401% | 6,607 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7151% | 3,995 |
| Assets per employee ($millions) | 3.5364% | 4,898 |
| Cash dividends to net income (ytd only)* | 54.4643% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1475% | 678 |
| Loan loss allowance to noncurrent loans | 237.6975% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 1.6100% | 3,308 |
| Noncurrent loans to loans | 1.3242% | 3,932 |
| Net loans and leases to total assets | 57.2645% | 4,286 |
| Net loans and leases to deposits | 68.8979% | 4,056 |
| Net loans and leases to core deposits | 77.8501% | 3,540 |
| Total domestic deposits to total assets | 83.1151% | 4,706 |
| Equity capital to assets | 16.5898% | 497 |
| Core capital (leverage) ratio | 13.8626% | 844 |
| Tier 1 risk-based capital ratio | 21.1654% | 1,450 |
| Total risk-based capital ratio | 22.4382% | 1,419 |
| Memoranda: | ||
| Average total assets | $53,254,000 | 6,219 |
| Average earning assets | $43,384,670 | 6,362 |
| Average equity | $9,282,000 | 5,207 |
| Average total loans | $29,888,330 | 6,072 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0045% | 1,869 |
| Cost of funding earning assets | 0.8458% | 3,098 |
| Net interest margin | 4.1587% | 1,902 |
| Noninterest income to average assets | 0.7366% | 2,463 |
| Noninterest expense to average assets | 2.8843% | 3,687 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0545% | 2,268 |
| Return on assets (ROA) | 1.0545% | 2,461 |
| Pretax return on assets | 1.0545% | 3,487 |
| Return on Equity (ROE) | 5.8941% | 4,349 |
| Retained earnings to average equity (ytd only) | 1.8636% | 5,312 |
| Net charge-offs to loans | -0.1423% | 6,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2283% | 3,216 |
| Assets per employee ($millions) | 3.5084% | 5,101 |
| Cash dividends to net income (ytd only)* | 68.3824% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6438% | 486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 4,833 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 53.1125% | 4,866 |
| Net loans and leases to deposits | 64.6864% | 4,539 |
| Net loans and leases to core deposits | 73.8956% | 3,911 |
| Total domestic deposits to total assets | 82.1077% | 5,260 |
| Equity capital to assets | 17.5636% | 375 |
| Core capital (leverage) ratio | 14.0760% | 786 |
| Tier 1 risk-based capital ratio | 22.4171% | 1,224 |
| Total risk-based capital ratio | 23.6933% | 1,195 |
| Memoranda: | ||
| Average total assets | $51,589,500 | 6,320 |
| Average earning assets | $39,724,000 | 6,536 |
| Average equity | $9,229,500 | 5,236 |
| Average total loans | $28,105,000 | 6,196 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0396% | 2,714 |
| Cost of funding earning assets | 0.8920% | 4,179 |
| Net interest margin | 4.1475% | 2,238 |
| Noninterest income to average assets | 0.7454% | 2,361 |
| Noninterest expense to average assets | 3.1805% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9442% | 2,433 |
| Return on assets (ROA) | 0.9442% | 2,555 |
| Pretax return on assets | 0.9442% | 3,450 |
| Return on Equity (ROE) | 5.0800% | 4,351 |
| Retained earnings to average equity (ytd only) | 2.4286% | 4,489 |
| Net charge-offs to loans | 0.0454% | 5,850 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 707 |
| Efficiency ratio | 77.1084% | 2,726 |
| Assets per employee ($millions) | 3.6109% | 4,745 |
| Cash dividends to net income (ytd only)* | 52.1930% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8453% | 421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8842% | 4,852 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 51.7398% | 5,351 |
| Net loans and leases to deposits | 63.5610% | 5,061 |
| Net loans and leases to core deposits | 73.0860% | 4,368 |
| Total domestic deposits to total assets | 81.4017% | 5,322 |
| Equity capital to assets | 18.2304% | 332 |
| Core capital (leverage) ratio | 14.6369% | 679 |
| Tier 1 risk-based capital ratio | 25.5300% | 820 |
| Total risk-based capital ratio | 26.8124% | 795 |
| Memoranda: | ||
| Average total assets | $48,293,600 | 6,410 |
| Average earning assets | $39,348,600 | 6,555 |
| Average equity | $8,976,400 | 5,282 |
| Average total loans | $26,426,000 | 6,328 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9531% | 3,313 |
| Cost of funding earning assets | 0.8948% | 4,437 |
| Net interest margin | 4.0583% | 2,654 |
| Noninterest income to average assets | 0.7431% | 2,354 |
| Noninterest expense to average assets | 3.2209% | 2,764 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9051% | 2,722 |
| Return on assets (ROA) | 0.9051% | 2,857 |
| Pretax return on assets | 0.9051% | 3,740 |
| Return on Equity (ROE) | 4.8448% | 4,592 |
| Retained earnings to average equity (ytd only) | 1.2859% | 5,493 |
| Net charge-offs to loans | 0.1627% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 10.1240% | 1,968 |
| Efficiency ratio | 78.0636% | 2,536 |
| Assets per employee ($millions) | 2.9849% | 6,159 |
| Cash dividends to net income (ytd only)* | 73.4577% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7760% | 467 |
| Loan loss allowance to noncurrent loans | 51,250.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.9862% | 4,780 |
| Noncurrent loans to loans | 0.0074% | 6,947 |
| Net loans and leases to total assets | 54.6924% | 5,056 |
| Net loans and leases to deposits | 67.8847% | 4,631 |
| Net loans and leases to core deposits | 75.6378% | 4,235 |
| Total domestic deposits to total assets | 80.5666% | 5,582 |
| Equity capital to assets | 19.0858% | 313 |
| Core capital (leverage) ratio | 15.2480% | 617 |
| Tier 1 risk-based capital ratio | 25.6404% | 863 |
| Total risk-based capital ratio | 26.9232% | 846 |
| Memoranda: | ||
| Average total assets | $47,728,750 | 6,491 |
| Average earning assets | $39,785,750 | 6,598 |
| Average equity | $8,916,500 | 5,332 |
| Average total loans | $26,232,000 | 6,410 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5919% | 4,997 |
| Cost of funding earning assets | 0.9036% | 4,635 |
| Net interest margin | 3.6884% | 4,317 |
| Noninterest income to average assets | 0.7209% | 2,435 |
| Noninterest expense to average assets | 3.2775% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5742% | 4,191 |
| Return on assets (ROA) | 0.5742% | 4,316 |
| Pretax return on assets | 0.5742% | 4,833 |
| Return on Equity (ROE) | 3.0959% | 5,359 |
| Retained earnings to average equity (ytd only) | -1.8078% | 6,219 |
| Net charge-offs to loans | 0.0386% | 5,312 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 27.4000% | 990 |
| Efficiency ratio | 85.0925% | 1,695 |
| Assets per employee ($millions) | 2.7974% | 6,477 |
| Cash dividends to net income (ytd only)* | 158.3942% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9671% | 425 |
| Loan loss allowance to noncurrent loans | 508.6957% | 655 |
| Noncurrent assets plus other real estate owned to assets | 1.0640% | 4,759 |
| Noncurrent loans to loans | 0.7799% | 5,354 |
| Net loans and leases to total assets | 53.6011% | 5,351 |
| Net loans and leases to deposits | 66.1631% | 4,982 |
| Net loans and leases to core deposits | 72.4992% | 4,757 |
| Total domestic deposits to total assets | 81.0136% | 5,523 |
| Equity capital to assets | 18.6647% | 336 |
| Core capital (leverage) ratio | 14.7414% | 718 |
| Tier 1 risk-based capital ratio | 25.1894% | 888 |
| Total risk-based capital ratio | 26.4205% | 876 |
| Memoranda: | ||
| Average total assets | $47,719,000 | 6,547 |
| Average earning assets | $40,505,670 | 6,622 |
| Average equity | $8,850,330 | 5,363 |
| Average total loans | $25,927,670 | 6,488 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 5,067 |
| Cost of funding earning assets | 0.9343% | 4,694 |
| Net interest margin | 3.6379% | 4,380 |
| Noninterest income to average assets | 0.7197% | 2,458 |
| Noninterest expense to average assets | 3.3388% | 2,448 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4435% | 4,751 |
| Return on assets (ROA) | 0.4435% | 4,832 |
| Pretax return on assets | 0.4435% | 5,211 |
| Return on Equity (ROE) | 2.3989% | 5,637 |
| Retained earnings to average equity (ytd only) | -2.6252% | 6,243 |
| Net charge-offs to loans | 0.0781% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 10.6000% | 1,622 |
| Efficiency ratio | 88.2743% | 1,480 |
| Assets per employee ($millions) | 2.8220% | 6,495 |
| Cash dividends to net income (ytd only)* | 209.4340% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5073% | 286 |
| Loan loss allowance to noncurrent loans | 501.4286% | 642 |
| Noncurrent assets plus other real estate owned to assets | 1.0652% | 4,794 |
| Noncurrent loans to loans | 0.8989% | 5,250 |
| Net loans and leases to total assets | 46.5023% | 6,237 |
| Net loans and leases to deposits | 57.1850% | 6,003 |
| Net loans and leases to core deposits | 62.5550% | 5,873 |
| Total domestic deposits to total assets | 81.3190% | 5,565 |
| Equity capital to assets | 18.3474% | 347 |
| Core capital (leverage) ratio | 14.1611% | 816 |
| Tier 1 risk-based capital ratio | 25.1441% | 863 |
| Total risk-based capital ratio | 26.4292% | 842 |
| Memoranda: | ||
| Average total assets | $47,801,000 | 6,588 |
| Average earning assets | $40,242,500 | 6,679 |
| Average equity | $8,837,500 | 5,376 |
| Average total loans | $25,620,000 | 6,551 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4144% | 2,606 |
| Cost of funding earning assets | 1.0922% | 5,176 |
| Net interest margin | 4.3222% | 1,745 |
| Noninterest income to average assets | 0.7759% | 2,398 |
| Noninterest expense to average assets | 3.1543% | 3,257 |
| Loan and lease loss provision to assets | 0.0808% | 6,344 |
| Net operating income to assets | 1.2831% | 1,218 |
| Return on assets (ROA) | 1.2831% | 1,275 |
| Pretax return on assets | 1.2831% | 1,979 |
| Return on Equity (ROE) | 7.3739% | 2,939 |
| Retained earnings to average equity (ytd only) | 5.3998% | 2,174 |
| Net charge-offs to loans | 0.4383% | 3,861 |
| Credit loss provision to net charge-offs | 29.8507% | 6,494 |
| Earnings coverage of net charge-offs (x) | 5.0373% | 2,726 |
| Efficiency ratio | 69.8122% | 4,214 |
| Assets per employee ($millions) | 2.8016% | 6,523 |
| Cash dividends to net income (ytd only)* | 26.7717% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7915% | 474 |
| Loan loss allowance to noncurrent loans | 2,642.5000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 5,564 |
| Noncurrent loans to loans | 0.1435% | 6,788 |
| Net loans and leases to total assets | 56.3135% | 5,293 |
| Net loans and leases to deposits | 69.5439% | 4,871 |
| Net loans and leases to core deposits | 76.0966% | 4,697 |
| Total domestic deposits to total assets | 80.9755% | 5,531 |
| Equity capital to assets | 18.6298% | 342 |
| Core capital (leverage) ratio | 14.6438% | 721 |
| Tier 1 risk-based capital ratio | 26.4232% | 719 |
| Total risk-based capital ratio | 27.7071% | 698 |
| Memoranda: | ||
| Average total assets | $49,488,400 | 6,559 |
| Average earning assets | $42,849,000 | 6,620 |
| Average equity | $8,611,400 | 5,524 |
| Average total loans | $30,574,800 | 6,367 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2951% | 3,377 |
| Cost of funding earning assets | 1.1266% | 5,274 |
| Net interest margin | 4.1685% | 2,338 |
| Noninterest income to average assets | 0.8034% | 2,220 |
| Noninterest expense to average assets | 2.9654% | 3,870 |
| Loan and lease loss provision to assets | 0.1068% | 5,970 |
| Net operating income to assets | 1.3559% | 1,207 |
| Return on assets (ROA) | 1.3559% | 1,290 |
| Pretax return on assets | 1.3559% | 2,018 |
| Return on Equity (ROE) | 7.9256% | 2,942 |
| Retained earnings to average equity (ytd only) | 5.2733% | 2,794 |
| Net charge-offs to loans | 0.5760% | 3,019 |
| Credit loss provision to net charge-offs | 29.6296% | 6,158 |
| Earnings coverage of net charge-offs (x) | 4.0592% | 3,199 |
| Efficiency ratio | 66.9681% | 4,659 |
| Assets per employee ($millions) | 2.8392% | 6,514 |
| Cash dividends to net income (ytd only)* | 33.4642% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1674% | 721 |
| Loan loss allowance to noncurrent loans | 2,458.1395% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 5,606 |
| Noncurrent loans to loans | 0.1289% | 6,921 |
| Net loans and leases to total assets | 66.9498% | 3,474 |
| Net loans and leases to deposits | 82.1361% | 3,081 |
| Net loans and leases to core deposits | 89.6665% | 3,146 |
| Total domestic deposits to total assets | 81.5108% | 5,201 |
| Equity capital to assets | 18.1266% | 405 |
| Core capital (leverage) ratio | 14.4748% | 819 |
| Tier 1 risk-based capital ratio | 23.0410% | 1,064 |
| Total risk-based capital ratio | 24.3214% | 1,028 |
| Memoranda: | ||
| Average total assets | $49,953,500 | 6,613 |
| Average earning assets | $43,435,250 | 6,681 |
| Average equity | $8,546,000 | 5,612 |
| Average total loans | $31,249,000 | 6,428 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0575% | 4,667 |
| Cost of funding earning assets | 1.1494% | 5,409 |
| Net interest margin | 3.9080% | 3,407 |
| Noninterest income to average assets | 0.6533% | 2,995 |
| Noninterest expense to average assets | 2.9218% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1640% | 1,663 |
| Return on assets (ROA) | 1.1640% | 1,721 |
| Pretax return on assets | 1.1640% | 2,538 |
| Return on Equity (ROE) | 6.9353% | 3,333 |
| Retained earnings to average equity (ytd only) | 4.2461% | 3,376 |
| Net charge-offs to loans | 1.0085% | 1,846 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1.9091% | 4,092 |
| Efficiency ratio | 71.5116% | 3,901 |
| Assets per employee ($millions) | 3.0444% | 6,049 |
| Cash dividends to net income (ytd only)* | 38.7755% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2025% | 701 |
| Loan loss allowance to noncurrent loans | 317.8344% | 923 |
| Noncurrent assets plus other real estate owned to assets | 1.3036% | 4,545 |
| Noncurrent loans to loans | 1.0076% | 5,297 |
| Net loans and leases to total assets | 61.9265% | 4,701 |
| Net loans and leases to deposits | 75.4993% | 4,422 |
| Net loans and leases to core deposits | 82.3033% | 4,374 |
| Total domestic deposits to total assets | 82.0225% | 4,974 |
| Equity capital to assets | 17.6141% | 457 |
| Core capital (leverage) ratio | 14.2781% | 858 |
| Tier 1 risk-based capital ratio | 22.5243% | 1,120 |
| Total risk-based capital ratio | 23.8032% | 1,096 |
| Memoranda: | ||
| Average total assets | $50,516,000 | 6,634 |
| Average earning assets | $44,370,000 | 6,683 |
| Average equity | $8,478,330 | 5,643 |
| Average total loans | $30,541,670 | 6,499 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7505% | 6,073 |
| Cost of funding earning assets | 1.1987% | 5,413 |
| Net interest margin | 3.5518% | 4,942 |
| Noninterest income to average assets | 0.6612% | 2,875 |
| Noninterest expense to average assets | 2.8394% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9335% | 2,418 |
| Return on assets (ROA) | 0.9335% | 2,483 |
| Pretax return on assets | 0.9335% | 3,332 |
| Return on Equity (ROE) | 5.6956% | 4,013 |
| Retained earnings to average equity (ytd only) | 3.4174% | 4,107 |
| Net charge-offs to loans | 1.9715% | 871 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.8054% | 4,323 |
| Efficiency ratio | 75.2577% | 3,352 |
| Assets per employee ($millions) | 3.0371% | 6,132 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4933% | 552 |
| Loan loss allowance to noncurrent loans | 946.2264% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.8828% | 5,392 |
| Noncurrent loans to loans | 0.3692% | 6,559 |
| Net loans and leases to total assets | 57.0214% | 5,604 |
| Net loans and leases to deposits | 69.3297% | 5,427 |
| Net loans and leases to core deposits | 76.0589% | 5,251 |
| Total domestic deposits to total assets | 82.2468% | 4,958 |
| Equity capital to assets | 17.4116% | 480 |
| Core capital (leverage) ratio | 12.6157% | 1,361 |
| Tier 1 risk-based capital ratio | 21.6351% | 1,249 |
| Total risk-based capital ratio | 22.8162% | 1,239 |
| Memoranda: | ||
| Average total assets | $51,418,500 | 6,683 |
| Average earning assets | $45,047,500 | 6,741 |
| Average equity | $8,427,500 | 5,707 |
| Average total loans | $30,231,000 | 6,593 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8201% | 2,577 |
| Cost of funding earning assets | 1.4153% | 5,867 |
| Net interest margin | 4.4048% | 1,417 |
| Noninterest income to average assets | 0.7793% | 2,515 |
| Noninterest expense to average assets | 3.0820% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0515% | 1,662 |
| Return on assets (ROA) | 1.0515% | 1,704 |
| Pretax return on assets | 1.6036% | 957 |
| Return on Equity (ROE) | 6.5891% | 2,960 |
| Retained earnings to average equity (ytd only) | 4.3559% | 2,191 |
| Net charge-offs to loans | 0.2073% | 5,334 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 11.8696% | 1,560 |
| Efficiency ratio | 65.7752% | 5,436 |
| Assets per employee ($millions) | 3.1908% | 5,745 |
| Cash dividends to net income (ytd only)* | 33.8920% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6283% | 479 |
| Loan loss allowance to noncurrent loans | 5,760.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.6342% | 5,875 |
| Noncurrent loans to loans | 0.0630% | 7,266 |
| Net loans and leases to total assets | 56.4091% | 5,897 |
| Net loans and leases to deposits | 67.0318% | 5,942 |
| Net loans and leases to core deposits | 86.9014% | 5,437 |
| Total domestic deposits to total assets | 84.1528% | 3,964 |
| Equity capital to assets | 15.4748% | 797 |
| Core capital (leverage) ratio | 12.4057% | 1,489 |
| Tier 1 risk-based capital ratio | 20.9537% | 1,303 |
| Total risk-based capital ratio | 22.2278% | 1,268 |
| Memoranda: | ||
| Average total assets | $51,071,400 | 6,663 |
| Average earning assets | $45,291,000 | 6,710 |
| Average equity | $8,149,800 | 5,873 |
| Average total loans | $33,290,800 | 6,443 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8622% | 2,618 |
| Cost of funding earning assets | 1.4470% | 6,048 |
| Net interest margin | 4.4152% | 1,407 |
| Noninterest income to average assets | 0.7796% | 2,550 |
| Noninterest expense to average assets | 3.1504% | 3,459 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9202% | 2,343 |
| Return on assets (ROA) | 0.9202% | 2,419 |
| Pretax return on assets | 1.5779% | 1,224 |
| Return on Equity (ROE) | 5.7198% | 3,644 |
| Retained earnings to average equity (ytd only) | 2.7197% | 3,811 |
| Net charge-offs to loans | 0.1505% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 15.6564% | 1,522 |
| Efficiency ratio | 66.6293% | 5,262 |
| Assets per employee ($millions) | 3.1736% | 5,717 |
| Cash dividends to net income (ytd only)* | 52.4489% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3128% | 498 |
| Loan loss allowance to noncurrent loans | 1,148.5437% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 6,443 |
| Noncurrent loans to loans | 0.2884% | 6,788 |
| Net loans and leases to total assets | 67.9960% | 3,958 |
| Net loans and leases to deposits | 81.5181% | 4,110 |
| Net loans and leases to core deposits | 105.9078% | 3,712 |
| Total domestic deposits to total assets | 83.4121% | 4,013 |
| Equity capital to assets | 16.1704% | 766 |
| Core capital (leverage) ratio | 12.3846% | 1,624 |
| Tier 1 risk-based capital ratio | 20.2695% | 1,502 |
| Total risk-based capital ratio | 21.5539% | 1,453 |
| Memoranda: | ||
| Average total assets | $50,278,500 | 6,744 |
| Average earning assets | $44,964,750 | 6,780 |
| Average equity | $8,088,750 | 5,954 |
| Average total loans | $33,676,000 | 6,466 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7414% | 3,336 |
| Cost of funding earning assets | 1.4791% | 6,223 |
| Net interest margin | 4.2624% | 1,769 |
| Noninterest income to average assets | 0.7184% | 2,877 |
| Noninterest expense to average assets | 2.9015% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7543% | 3,023 |
| Return on assets (ROA) | 0.7543% | 3,131 |
| Pretax return on assets | 1.6124% | 1,179 |
| Return on Equity (ROE) | 4.6968% | 4,214 |
| Retained earnings to average equity (ytd only) | 1.2922% | 4,620 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2794% | 5,855 |
| Assets per employee ($millions) | 3.1550% | 5,708 |
| Cash dividends to net income (ytd only)* | 72.4868% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5859% | 351 |
| Loan loss allowance to noncurrent loans | 81.5210% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 2.9695% | 2,142 |
| Noncurrent loans to loans | 4.3987% | 1,473 |
| Net loans and leases to total assets | 65.0872% | 4,748 |
| Net loans and leases to deposits | 77.9927% | 4,875 |
| Net loans and leases to core deposits | 101.3042% | 4,368 |
| Total domestic deposits to total assets | 83.4529% | 4,039 |
| Equity capital to assets | 16.0440% | 814 |
| Core capital (leverage) ratio | 12.3025% | 1,698 |
| Tier 1 risk-based capital ratio | 16.0858% | 2,596 |
| Total risk-based capital ratio | 17.3617% | 2,534 |
| Memoranda: | ||
| Average total assets | $50,112,000 | 6,823 |
| Average earning assets | $44,623,000 | 6,853 |
| Average equity | $8,048,000 | 6,005 |
| Average total loans | $32,998,000 | 6,552 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8045% | 3,274 |
| Cost of funding earning assets | 1.6507% | 5,813 |
| Net interest margin | 4.1539% | 2,079 |
| Noninterest income to average assets | 0.7210% | 2,754 |
| Noninterest expense to average assets | 2.9322% | 4,043 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0000% | 6,252 |
| Return on assets (ROA) | 0.0000% | 6,399 |
| Pretax return on assets | 1.4581% | 1,790 |
| Return on Equity (ROE) | 0.0000% | 6,405 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,638 |
| Net charge-offs to loans | -0.0493% | 7,693 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7883% | 5,178 |
| Assets per employee ($millions) | 3.4866% | 4,855 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0539% | 209 |
| Loan loss allowance to noncurrent loans | 342.1788% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9198% | 4,892 |
| Noncurrent loans to loans | 1.1847% | 4,604 |
| Net loans and leases to total assets | 59.3961% | 5,756 |
| Net loans and leases to deposits | 71.6053% | 5,796 |
| Net loans and leases to core deposits | 94.5414% | 5,106 |
| Total domestic deposits to total assets | 82.9492% | 4,172 |
| Equity capital to assets | 16.5079% | 791 |
| Core capital (leverage) ratio | 12.1613% | 1,833 |
| Tier 1 risk-based capital ratio | 17.5625% | 2,171 |
| Total risk-based capital ratio | 18.8014% | 2,112 |
| Memoranda: | ||
| Average total assets | $49,928,000 | 6,869 |
| Average earning assets | $44,103,500 | 6,927 |
| Average equity | $8,022,500 | 6,056 |
| Average total loans | $32,458,000 | 6,619 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4392% | 464 |
| Cost of funding earning assets | 2.5014% | 4,200 |
| Net interest margin | 4.9378% | 583 |
| Noninterest income to average assets | 0.7243% | 2,948 |
| Noninterest expense to average assets | 2.8419% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4876% | 1,054 |
| Return on assets (ROA) | 1.4876% | 1,008 |
| Pretax return on assets | 2.2530% | 356 |
| Return on Equity (ROE) | 9.7055% | 2,359 |
| Retained earnings to average equity (ytd only) | 8.9023% | 624 |
| Net charge-offs to loans | 0.2457% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 13.0714% | 2,174 |
| Efficiency ratio | 55.7793% | 7,043 |
| Assets per employee ($millions) | 3.6459% | 4,297 |
| Cash dividends to net income (ytd only)* | 8.2759% | 4,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5189% | 271 |
| Loan loss allowance to noncurrent loans | 6,426.3158% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 6,712 |
| Noncurrent loans to loans | 0.0548% | 7,291 |
| Net loans and leases to total assets | 65.5859% | 4,934 |
| Net loans and leases to deposits | 78.1826% | 5,316 |
| Net loans and leases to core deposits | 107.0716% | 4,072 |
| Total domestic deposits to total assets | 83.8881% | 3,376 |
| Equity capital to assets | 15.6476% | 1,015 |
| Core capital (leverage) ratio | 12.1592% | 1,898 |
| Tier 1 risk-based capital ratio | 15.6227% | 2,807 |
| Total risk-based capital ratio | 16.8963% | 2,726 |
| Memoranda: | ||
| Average total assets | $48,734,800 | 6,833 |
| Average earning assets | $43,136,200 | 6,895 |
| Average equity | $7,470,000 | 6,287 |
| Average total loans | $34,182,800 | 6,478 |