Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2689% | 4,461 |
| Cost of funding earning assets | 1.9831% | 937 |
| Net interest margin | 1.2858% | 4,528 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.4310% | 4,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2591% | 4,083 |
| Return on assets (ROA) | 0.2755% | 4,066 |
| Pretax return on assets | 0.2211% | 4,175 |
| Return on Equity (ROE) | 4.0200% | 3,882 |
| Retained earnings to average equity (ytd only) | 4.0185% | 2,953 |
| Net charge-offs to loans | -0.0177% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.4829% | 499 |
| Assets per employee ($millions) | 12.5468% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7222% | 4,091 |
| Loan loss allowance to noncurrent loans | 253.9394% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 2,739 |
| Noncurrent loans to loans | 0.2844% | 2,164 |
| Net loans and leases to total assets | 41.7300% | 3,973 |
| Net loans and leases to deposits | 55.0460% | 3,748 |
| Net loans and leases to core deposits | 63.3631% | 3,621 |
| Total domestic deposits to total assets | 75.8200% | 3,957 |
| Equity capital to assets | 7.4832% | 3,727 |
| Core capital (leverage) ratio | 11.3566% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $134,312,600 | 3,510 |
| Average earning assets | $125,914,200 | 3,479 |
| Average equity | $9,207,400 | 3,800 |
| Average total loans | $50,962,000 | 3,829 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2238% | 4,475 |
| Cost of funding earning assets | 1.9200% | 831 |
| Net interest margin | 1.3038% | 4,546 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.4674% | 4,335 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2199% | 4,209 |
| Return on assets (ROA) | 0.2199% | 4,221 |
| Pretax return on assets | 0.1419% | 4,312 |
| Return on Equity (ROE) | 3.2900% | 4,074 |
| Retained earnings to average equity (ytd only) | 3.2857% | 3,447 |
| Net charge-offs to loans | -0.0108% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.1801% | 342 |
| Assets per employee ($millions) | 12.0307% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7994% | 3,988 |
| Loan loss allowance to noncurrent loans | 591.4286% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,279 |
| Noncurrent loans to loans | 0.1352% | 2,878 |
| Net loans and leases to total assets | 38.8200% | 4,102 |
| Net loans and leases to deposits | 50.9723% | 3,901 |
| Net loans and leases to core deposits | 58.9407% | 3,741 |
| Total domestic deposits to total assets | 76.1700% | 4,000 |
| Equity capital to assets | 6.2801% | 3,901 |
| Core capital (leverage) ratio | 11.3041% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $133,387,000 | 3,523 |
| Average earning assets | $124,860,750 | 3,503 |
| Average equity | $8,927,250 | 3,830 |
| Average total loans | $49,198,000 | 3,861 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1348% | 4,516 |
| Cost of funding earning assets | 1.8136% | 722 |
| Net interest margin | 1.3212% | 4,588 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.4342% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2767% | 4,190 |
| Return on assets (ROA) | 0.2767% | 4,222 |
| Pretax return on assets | 0.2049% | 4,312 |
| Return on Equity (ROE) | 4.0500% | 4,024 |
| Retained earnings to average equity (ytd only) | 4.0514% | 3,198 |
| Net charge-offs to loans | 0.0166% | 1,587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 34.2500% | 1,484 |
| Efficiency ratio | 87.5000% | 445 |
| Assets per employee ($millions) | 11.7502% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 3,920 |
| Loan loss allowance to noncurrent loans | 563.8889% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 2,913 |
| Noncurrent loans to loans | 0.1496% | 2,716 |
| Net loans and leases to total assets | 36.9300% | 4,148 |
| Net loans and leases to deposits | 46.2694% | 4,037 |
| Net loans and leases to core deposits | 52.3211% | 3,940 |
| Total domestic deposits to total assets | 79.8100% | 3,607 |
| Equity capital to assets | 7.0769% | 3,752 |
| Core capital (leverage) ratio | 11.0761% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $133,736,667 | 3,530 |
| Average earning assets | $125,496,333 | 3,506 |
| Average equity | $9,132,667 | 3,835 |
| Average total loans | $48,333,333 | 3,880 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0468% | 4,550 |
| Cost of funding earning assets | 1.7118% | 561 |
| Net interest margin | 1.3349% | 4,644 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 1.4620% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2795% | 4,273 |
| Return on assets (ROA) | 0.2795% | 4,239 |
| Pretax return on assets | 0.1559% | 4,377 |
| Return on Equity (ROE) | 4.1600% | 4,012 |
| Retained earnings to average equity (ytd only) | 4.1642% | 3,221 |
| Net charge-offs to loans | -0.0083% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.3636% | 348 |
| Assets per employee ($millions) | 11.1510% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 3,946 |
| Loan loss allowance to noncurrent loans | 437.2340% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 3,095 |
| Noncurrent loans to loans | 0.1979% | 2,484 |
| Net loans and leases to total assets | 35.1800% | 4,218 |
| Net loans and leases to deposits | 43.5023% | 4,109 |
| Net loans and leases to core deposits | 48.9106% | 4,024 |
| Total domestic deposits to total assets | 80.8700% | 3,653 |
| Equity capital to assets | 7.1518% | 3,761 |
| Core capital (leverage) ratio | 10.7000% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $135,979,000 | 3,556 |
| Average earning assets | $127,348,000 | 3,534 |
| Average equity | $9,125,500 | 3,880 |
| Average total loans | $48,431,500 | 3,928 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6831% | 4,413 |
| Cost of funding earning assets | 0.7693% | 432 |
| Net interest margin | 1.9137% | 4,578 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 1.4389% | 4,480 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.6572% | 3,742 |
| Return on assets (ROA) | 0.6756% | 3,635 |
| Pretax return on assets | 0.8036% | 3,613 |
| Return on Equity (ROE) | 9.3100% | 3,030 |
| Retained earnings to average equity (ytd only) | 9.3115% | 1,384 |
| Net charge-offs to loans | 0.2881% | 270 |
| Credit loss provision to net charge-offs | 97.6563% | 1,580 |
| Earnings coverage of net charge-offs (x) | 9.3281% | 2,227 |
| Efficiency ratio | 62.2391% | 2,727 |
| Assets per employee ($millions) | 10.6266% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 3,960 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,217 |
| Noncurrent loans to loans | 0.1661% | 2,653 |
| Net loans and leases to total assets | 35.4500% | 4,238 |
| Net loans and leases to deposits | 46.6636% | 4,023 |
| Net loans and leases to core deposits | 50.3377% | 3,968 |
| Total domestic deposits to total assets | 75.9600% | 4,253 |
| Equity capital to assets | 6.2839% | 3,983 |
| Core capital (leverage) ratio | 10.8433% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $136,766,800 | 3,567 |
| Average earning assets | $125,565,800 | 3,567 |
| Average equity | $9,923,200 | 3,880 |
| Average total loans | $44,429,400 | 3,987 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5989% | 4,394 |
| Cost of funding earning assets | 0.6026% | 432 |
| Net interest margin | 1.9963% | 4,551 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 1.4533% | 4,471 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.7232% | 3,501 |
| Return on assets (ROA) | 0.7232% | 3,450 |
| Pretax return on assets | 0.8630% | 3,441 |
| Return on Equity (ROE) | 9.6400% | 2,831 |
| Retained earnings to average equity (ytd only) | 9.6411% | 1,445 |
| Net charge-offs to loans | 0.2037% | 325 |
| Credit loss provision to net charge-offs | 189.3939% | 1,005 |
| Earnings coverage of net charge-offs (x) | 15.2727% | 1,850 |
| Efficiency ratio | 59.5992% | 3,164 |
| Assets per employee ($millions) | 11.1035% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 3,086 |
| Loan loss allowance to noncurrent loans | 298.7342% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 2,781 |
| Noncurrent loans to loans | 0.3629% | 1,938 |
| Net loans and leases to total assets | 32.3200% | 4,359 |
| Net loans and leases to deposits | 39.7387% | 4,244 |
| Net loans and leases to core deposits | 42.6710% | 4,206 |
| Total domestic deposits to total assets | 81.3300% | 3,930 |
| Equity capital to assets | 5.6942% | 4,076 |
| Core capital (leverage) ratio | 10.7237% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $136,422,000 | 3,590 |
| Average earning assets | $124,560,750 | 3,603 |
| Average equity | $10,233,750 | 3,887 |
| Average total loans | $43,192,750 | 4,033 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4872% | 4,387 |
| Cost of funding earning assets | 0.5230% | 453 |
| Net interest margin | 1.9642% | 4,575 |
| Noninterest income to average assets | 0.7492% | 1,175 |
| Noninterest expense to average assets | 1.4795% | 4,444 |
| Loan and lease loss provision to assets | 0.1455% | 657 |
| Net operating income to assets | 0.7579% | 3,116 |
| Return on assets (ROA) | 0.7579% | 3,074 |
| Pretax return on assets | 0.9107% | 3,022 |
| Return on Equity (ROE) | 9.3739% | 2,572 |
| Retained earnings to average equity (ytd only) | 9.3739% | 1,183 |
| Net charge-offs to loans | 0.4736% | 143 |
| Credit loss provision to net charge-offs | 98.0392% | 1,312 |
| Earnings coverage of net charge-offs (x) | 7.1176% | 1,867 |
| Efficiency ratio | 58.3477% | 3,512 |
| Assets per employee ($millions) | 13.5265% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 3,725 |
| Loan loss allowance to noncurrent loans | 1,002.4390% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,677 |
| Noncurrent loans to loans | 0.0968% | 3,281 |
| Net loans and leases to total assets | 31.0117% | 4,425 |
| Net loans and leases to deposits | 38.5612% | 4,313 |
| Net loans and leases to core deposits | 41.3664% | 4,283 |
| Total domestic deposits to total assets | 80.4221% | 4,190 |
| Equity capital to assets | 6.8798% | 3,830 |
| Core capital (leverage) ratio | 10.1595% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,482,000 | 3,625 |
| Average earning assets | $125,039,667 | 3,648 |
| Average equity | $11,116,000 | 3,876 |
| Average total loans | $43,078,333 | 4,085 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4294% | 4,345 |
| Cost of funding earning assets | 0.5142% | 462 |
| Net interest margin | 1.9153% | 4,569 |
| Noninterest income to average assets | 0.3059% | 3,274 |
| Noninterest expense to average assets | 1.2930% | 4,624 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6176% | 3,338 |
| Return on assets (ROA) | 0.6176% | 3,322 |
| Pretax return on assets | 0.7331% | 3,298 |
| Return on Equity (ROE) | 7.1209% | 2,999 |
| Retained earnings to average equity (ytd only) | 7.1209% | 1,852 |
| Net charge-offs to loans | -0.0921% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8177% | 3,047 |
| Assets per employee ($millions) | 13.8712% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 3,816 |
| Loan loss allowance to noncurrent loans | 199.5283% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 2,721 |
| Noncurrent loans to loans | 0.4882% | 1,808 |
| Net loans and leases to total assets | 30.9995% | 4,418 |
| Net loans and leases to deposits | 39.6211% | 4,262 |
| Net loans and leases to core deposits | 42.4910% | 4,221 |
| Total domestic deposits to total assets | 78.2398% | 4,391 |
| Equity capital to assets | 7.7189% | 3,790 |
| Core capital (leverage) ratio | 9.8456% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,590,500 | 3,632 |
| Average earning assets | $124,474,000 | 3,668 |
| Average equity | $12,021,000 | 3,862 |
| Average total loans | $43,438,000 | 4,093 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3650% | 4,555 |
| Cost of funding earning assets | 0.5619% | 661 |
| Net interest margin | 1.8032% | 4,666 |
| Noninterest income to average assets | 0.3838% | 3,144 |
| Noninterest expense to average assets | 1.2822% | 4,687 |
| Loan and lease loss provision to assets | -0.0228% | 4,238 |
| Net operating income to assets | 0.6679% | 3,703 |
| Return on assets (ROA) | 0.7053% | 3,666 |
| Pretax return on assets | 0.7623% | 3,807 |
| Return on Equity (ROE) | 7.0331% | 3,509 |
| Retained earnings to average equity (ytd only) | 7.0331% | 1,907 |
| Net charge-offs to loans | -0.0025% | 3,404 |
| Credit loss provision to net charge-offs | 3,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7104% | 2,445 |
| Assets per employee ($millions) | 12.5881% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 3,931 |
| Loan loss allowance to noncurrent loans | 180.3493% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 2,781 |
| Noncurrent loans to loans | 0.5270% | 1,812 |
| Net loans and leases to total assets | 31.0828% | 4,480 |
| Net loans and leases to deposits | 40.7556% | 4,317 |
| Net loans and leases to core deposits | 43.7745% | 4,275 |
| Total domestic deposits to total assets | 76.2662% | 4,497 |
| Equity capital to assets | 9.6303% | 3,015 |
| Core capital (leverage) ratio | 9.7782% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,568,600 | 3,662 |
| Average earning assets | $116,572,800 | 3,730 |
| Average equity | $13,194,800 | 3,813 |
| Average total loans | $40,036,600 | 4,187 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3983% | 4,635 |
| Cost of funding earning assets | 0.5711% | 739 |
| Net interest margin | 1.8272% | 4,734 |
| Noninterest income to average assets | 0.3615% | 3,290 |
| Noninterest expense to average assets | 1.3103% | 4,747 |
| Loan and lease loss provision to assets | -0.0308% | 4,395 |
| Net operating income to assets | 0.6658% | 3,851 |
| Return on assets (ROA) | 0.6757% | 3,885 |
| Pretax return on assets | 0.7054% | 4,060 |
| Return on Equity (ROE) | 6.6666% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.6666% | 2,547 |
| Net charge-offs to loans | 0.0068% | 2,066 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | 323.5000% | 416 |
| Efficiency ratio | 66.3547% | 2,055 |
| Assets per employee ($millions) | 11.9279% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 3,388 |
| Loan loss allowance to noncurrent loans | 476.7442% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 3,669 |
| Noncurrent loans to loans | 0.2332% | 3,006 |
| Net loans and leases to total assets | 27.7942% | 4,657 |
| Net loans and leases to deposits | 37.0561% | 4,543 |
| Net loans and leases to core deposits | 39.8610% | 4,518 |
| Total domestic deposits to total assets | 75.0059% | 4,601 |
| Equity capital to assets | 10.1717% | 2,740 |
| Core capital (leverage) ratio | 9.9657% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,843,500 | 3,715 |
| Average earning assets | $114,636,250 | 3,792 |
| Average equity | $13,159,750 | 3,868 |
| Average total loans | $39,182,500 | 4,269 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4957% | 4,619 |
| Cost of funding earning assets | 0.5766% | 832 |
| Net interest margin | 1.9191% | 4,745 |
| Noninterest income to average assets | 0.3261% | 3,469 |
| Noninterest expense to average assets | 1.2474% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7228% | 3,705 |
| Return on assets (ROA) | 0.7373% | 3,731 |
| Pretax return on assets | 0.7868% | 3,895 |
| Return on Equity (ROE) | 7.2837% | 3,580 |
| Retained earnings to average equity (ytd only) | 7.2837% | 2,326 |
| Net charge-offs to loans | -0.1201% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7917% | 2,760 |
| Assets per employee ($millions) | 12.0551% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 3,114 |
| Loan loss allowance to noncurrent loans | 495.7447% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 3,738 |
| Noncurrent loans to loans | 0.2350% | 3,107 |
| Net loans and leases to total assets | 29.8086% | 4,654 |
| Net loans and leases to deposits | 39.8179% | 4,529 |
| Net loans and leases to core deposits | 42.7820% | 4,496 |
| Total domestic deposits to total assets | 74.8624% | 4,625 |
| Equity capital to assets | 9.9807% | 2,868 |
| Core capital (leverage) ratio | 9.7164% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,389,000 | 3,731 |
| Average earning assets | $114,115,000 | 3,807 |
| Average equity | $13,097,667 | 3,885 |
| Average total loans | $39,950,667 | 4,279 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4909% | 4,648 |
| Cost of funding earning assets | 0.5926% | 902 |
| Net interest margin | 1.8983% | 4,771 |
| Noninterest income to average assets | 0.3099% | 3,551 |
| Noninterest expense to average assets | 1.3367% | 4,796 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7012% | 3,701 |
| Return on assets (ROA) | 0.7012% | 3,765 |
| Pretax return on assets | 0.6480% | 4,111 |
| Return on Equity (ROE) | 6.8770% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.8770% | 2,616 |
| Net charge-offs to loans | -0.1002% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3502% | 2,020 |
| Assets per employee ($millions) | 11.9445% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,422 |
| Loan loss allowance to noncurrent loans | 410.9091% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 3,781 |
| Noncurrent loans to loans | 0.2681% | 3,149 |
| Net loans and leases to total assets | 30.8844% | 4,671 |
| Net loans and leases to deposits | 41.3953% | 4,519 |
| Net loans and leases to core deposits | 44.2548% | 4,487 |
| Total domestic deposits to total assets | 74.6084% | 4,647 |
| Equity capital to assets | 9.8531% | 2,843 |
| Core capital (leverage) ratio | 9.8894% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,780,500 | 3,761 |
| Average earning assets | $112,729,500 | 3,829 |
| Average equity | $13,029,000 | 3,903 |
| Average total loans | $39,929,000 | 4,305 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2083% | 4,441 |
| Cost of funding earning assets | 0.7474% | 1,464 |
| Net interest margin | 2.4609% | 4,621 |
| Noninterest income to average assets | 0.4041% | 3,074 |
| Noninterest expense to average assets | 1.5332% | 4,756 |
| Loan and lease loss provision to assets | 0.1614% | 2,355 |
| Net operating income to assets | 0.8016% | 3,083 |
| Return on assets (ROA) | 0.8524% | 3,029 |
| Pretax return on assets | 0.9917% | 3,071 |
| Return on Equity (ROE) | 7.3358% | 3,056 |
| Retained earnings to average equity (ytd only) | 5.7479% | 1,926 |
| Net charge-offs to loans | 0.3888% | 445 |
| Credit loss provision to net charge-offs | 110.0629% | 2,723 |
| Earnings coverage of net charge-offs (x) | 7.4591% | 2,693 |
| Efficiency ratio | 58.3567% | 3,675 |
| Assets per employee ($millions) | 11.2883% | 377 |
| Cash dividends to net income (ytd only)* | 21.6450% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 3,266 |
| Loan loss allowance to noncurrent loans | 384.3478% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 3,851 |
| Noncurrent loans to loans | 0.2962% | 3,138 |
| Net loans and leases to total assets | 30.9130% | 4,734 |
| Net loans and leases to deposits | 42.0787% | 4,597 |
| Net loans and leases to core deposits | 45.3407% | 4,561 |
| Total domestic deposits to total assets | 73.4648% | 4,660 |
| Equity capital to assets | 10.5596% | 2,618 |
| Core capital (leverage) ratio | 10.2887% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,401,800 | 3,894 |
| Average earning assets | $97,933,000 | 3,910 |
| Average equity | $12,595,800 | 3,905 |
| Average total loans | $40,899,000 | 4,293 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2929% | 4,477 |
| Cost of funding earning assets | 0.7739% | 1,616 |
| Net interest margin | 2.5190% | 4,643 |
| Noninterest income to average assets | 0.3867% | 3,148 |
| Noninterest expense to average assets | 1.5751% | 4,752 |
| Loan and lease loss provision to assets | 0.0383% | 3,873 |
| Net operating income to assets | 0.9052% | 2,686 |
| Return on assets (ROA) | 0.9573% | 2,629 |
| Pretax return on assets | 1.1321% | 2,634 |
| Return on Equity (ROE) | 8.0211% | 2,802 |
| Retained earnings to average equity (ytd only) | 5.8822% | 2,151 |
| Net charge-offs to loans | 0.2060% | 741 |
| Credit loss provision to net charge-offs | 46.8750% | 2,901 |
| Earnings coverage of net charge-offs (x) | 13.5781% | 2,192 |
| Efficiency ratio | 58.6781% | 3,572 |
| Assets per employee ($millions) | 10.3448% | 452 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9251% | 3,994 |
| Loan loss allowance to noncurrent loans | 237.5758% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 3,689 |
| Noncurrent loans to loans | 0.3894% | 2,898 |
| Net loans and leases to total assets | 36.8951% | 4,647 |
| Net loans and leases to deposits | 50.8066% | 4,460 |
| Net loans and leases to core deposits | 54.9630% | 4,413 |
| Total domestic deposits to total assets | 72.6187% | 4,661 |
| Equity capital to assets | 11.3733% | 2,102 |
| Core capital (leverage) ratio | 11.0053% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,459,500 | 3,933 |
| Average earning assets | $95,272,750 | 3,949 |
| Average equity | $12,466,750 | 3,925 |
| Average total loans | $41,417,000 | 4,312 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3888% | 4,549 |
| Cost of funding earning assets | 0.8080% | 1,788 |
| Net interest margin | 2.5808% | 4,673 |
| Noninterest income to average assets | 0.4184% | 2,981 |
| Noninterest expense to average assets | 1.6004% | 4,774 |
| Loan and lease loss provision to assets | 0.0592% | 3,560 |
| Net operating income to assets | 0.9522% | 2,480 |
| Return on assets (ROA) | 0.9887% | 2,500 |
| Pretax return on assets | 1.1722% | 2,455 |
| Return on Equity (ROE) | 8.1408% | 2,690 |
| Retained earnings to average equity (ytd only) | 4.8910% | 2,524 |
| Net charge-offs to loans | 0.3115% | 517 |
| Credit loss provision to net charge-offs | 46.8750% | 2,638 |
| Earnings coverage of net charge-offs (x) | 9.4063% | 2,222 |
| Efficiency ratio | 57.3956% | 3,764 |
| Assets per employee ($millions) | 10.0144% | 499 |
| Cash dividends to net income (ytd only)* | 39.9202% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 3,933 |
| Loan loss allowance to noncurrent loans | 189.3720% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 3,593 |
| Noncurrent loans to loans | 0.4838% | 2,697 |
| Net loans and leases to total assets | 38.4884% | 4,651 |
| Net loans and leases to deposits | 52.3303% | 4,432 |
| Net loans and leases to core deposits | 56.4682% | 4,418 |
| Total domestic deposits to total assets | 73.5489% | 4,621 |
| Equity capital to assets | 11.5870% | 1,916 |
| Core capital (leverage) ratio | 11.2889% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,348,333 | 3,975 |
| Average earning assets | $93,070,333 | 3,981 |
| Average equity | $12,308,333 | 3,945 |
| Average total loans | $41,097,333 | 4,334 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5208% | 4,612 |
| Cost of funding earning assets | 0.8592% | 2,064 |
| Net interest margin | 2.6616% | 4,701 |
| Noninterest income to average assets | 0.4415% | 2,839 |
| Noninterest expense to average assets | 1.6092% | 4,849 |
| Loan and lease loss provision to assets | 0.1032% | 2,392 |
| Net operating income to assets | 1.0190% | 2,116 |
| Return on assets (ROA) | 1.0398% | 2,137 |
| Pretax return on assets | 1.2337% | 2,090 |
| Return on Equity (ROE) | 8.3440% | 2,366 |
| Retained earnings to average equity (ytd only) | 1.7218% | 3,540 |
| Net charge-offs to loans | 0.0497% | 1,514 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 63.6000% | 780 |
| Efficiency ratio | 55.0847% | 4,298 |
| Assets per employee ($millions) | 8.7921% | 566 |
| Cash dividends to net income (ytd only)* | 79.3651% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,980 |
| Loan loss allowance to noncurrent loans | 229.8969% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.2006% | 3,680 |
| Noncurrent loans to loans | 0.4965% | 2,778 |
| Net loans and leases to total assets | 39.9378% | 4,668 |
| Net loans and leases to deposits | 49.3869% | 4,616 |
| Net loans and leases to core deposits | 53.0345% | 4,599 |
| Total domestic deposits to total assets | 80.8671% | 3,694 |
| Equity capital to assets | 12.5443% | 1,704 |
| Core capital (leverage) ratio | 12.2168% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,943,500 | 4,035 |
| Average earning assets | $90,320,500 | 4,021 |
| Average equity | $12,080,500 | 3,988 |
| Average total loans | $40,251,000 | 4,370 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5089% | 4,852 |
| Cost of funding earning assets | 0.9651% | 1,882 |
| Net interest margin | 2.5438% | 4,946 |
| Noninterest income to average assets | 0.4613% | 2,945 |
| Noninterest expense to average assets | 1.6822% | 4,889 |
| Loan and lease loss provision to assets | 0.1527% | 1,382 |
| Net operating income to assets | 0.8549% | 3,377 |
| Return on assets (ROA) | 1.0152% | 2,879 |
| Pretax return on assets | 1.1852% | 2,890 |
| Return on Equity (ROE) | 8.4996% | 2,941 |
| Retained earnings to average equity (ytd only) | 1.6795% | 4,132 |
| Net charge-offs to loans | 0.1312% | 1,455 |
| Credit loss provision to net charge-offs | 294.1176% | 956 |
| Earnings coverage of net charge-offs (x) | 22.1765% | 1,861 |
| Efficiency ratio | 59.3604% | 3,783 |
| Assets per employee ($millions) | 8.8340% | 528 |
| Cash dividends to net income (ytd only)* | 80.2407% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 3,321 |
| Loan loss allowance to noncurrent loans | 665.6250% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 4,293 |
| Noncurrent loans to loans | 0.1545% | 3,910 |
| Net loans and leases to total assets | 42.1975% | 4,670 |
| Net loans and leases to deposits | 51.6989% | 4,613 |
| Net loans and leases to core deposits | 55.2308% | 4,618 |
| Total domestic deposits to total assets | 81.6216% | 3,611 |
| Equity capital to assets | 12.3788% | 1,896 |
| Core capital (leverage) ratio | 12.2646% | 1,617 |
| Tier 1 risk-based capital ratio | 22.5766% | 957 |
| Total risk-based capital ratio | 23.3903% | 982 |
| Memoranda: | ||
| Average total assets | $98,207,200 | 4,029 |
| Average earning assets | $91,595,200 | 4,020 |
| Average equity | $11,730,000 | 4,032 |
| Average total loans | $38,864,400 | 4,429 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4923% | 4,965 |
| Cost of funding earning assets | 0.9841% | 1,833 |
| Net interest margin | 2.5082% | 5,062 |
| Noninterest income to average assets | 0.4617% | 2,950 |
| Noninterest expense to average assets | 1.6032% | 4,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0289% | 2,865 |
| Return on assets (ROA) | 1.0196% | 2,985 |
| Pretax return on assets | 1.1875% | 3,016 |
| Return on Equity (ROE) | 8.6139% | 3,050 |
| Retained earnings to average equity (ytd only) | 1.1783% | 4,519 |
| Net charge-offs to loans | 0.0942% | 1,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 32.7769% | 1,546 |
| Efficiency ratio | 57.2257% | 4,038 |
| Assets per employee ($millions) | 8.6481% | 543 |
| Cash dividends to net income (ytd only)* | 86.3223% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 4,452 |
| Loan loss allowance to noncurrent loans | 193.5484% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 3,927 |
| Noncurrent loans to loans | 0.4061% | 3,090 |
| Net loans and leases to total assets | 39.8028% | 4,822 |
| Net loans and leases to deposits | 49.5777% | 4,786 |
| Net loans and leases to core deposits | 52.9041% | 4,781 |
| Total domestic deposits to total assets | 80.2836% | 3,929 |
| Equity capital to assets | 12.5766% | 1,855 |
| Core capital (leverage) ratio | 12.1523% | 1,758 |
| Tier 1 risk-based capital ratio | 24.3112% | 819 |
| Total risk-based capital ratio | 24.9331% | 861 |
| Memoranda: | ||
| Average total assets | $98,465,500 | 4,068 |
| Average earning assets | $91,856,750 | 4,058 |
| Average equity | $11,655,250 | 4,080 |
| Average total loans | $38,222,750 | 4,504 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4433% | 5,050 |
| Cost of funding earning assets | 0.9915% | 1,736 |
| Net interest margin | 2.4519% | 5,152 |
| Noninterest income to average assets | 0.4720% | 2,827 |
| Noninterest expense to average assets | 1.5927% | 5,064 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0063% | 2,898 |
| Return on assets (ROA) | 0.9821% | 3,053 |
| Pretax return on assets | 1.1408% | 3,115 |
| Return on Equity (ROE) | 8.4658% | 3,084 |
| Retained earnings to average equity (ytd only) | 0.6752% | 4,518 |
| Net charge-offs to loans | 0.0052% | 2,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 582.0000% | 133 |
| Efficiency ratio | 57.6727% | 4,051 |
| Assets per employee ($millions) | 8.8480% | 498 |
| Cash dividends to net income (ytd only)* | 92.0245% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 4,197 |
| Loan loss allowance to noncurrent loans | 423.3766% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 4,368 |
| Noncurrent loans to loans | 0.2055% | 3,812 |
| Net loans and leases to total assets | 38.1586% | 4,910 |
| Net loans and leases to deposits | 47.9170% | 4,847 |
| Net loans and leases to core deposits | 51.0439% | 4,841 |
| Total domestic deposits to total assets | 79.6348% | 4,108 |
| Equity capital to assets | 12.1774% | 2,064 |
| Core capital (leverage) ratio | 11.8585% | 1,909 |
| Tier 1 risk-based capital ratio | 23.6322% | 883 |
| Total risk-based capital ratio | 24.2928% | 915 |
| Memoranda: | ||
| Average total assets | $99,577,670 | 4,075 |
| Average earning assets | $92,991,000 | 4,057 |
| Average equity | $11,552,330 | 4,104 |
| Average total loans | $38,242,330 | 4,543 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3653% | 5,140 |
| Cost of funding earning assets | 0.9900% | 1,606 |
| Net interest margin | 2.3752% | 5,233 |
| Noninterest income to average assets | 0.4727% | 2,720 |
| Noninterest expense to average assets | 1.5531% | 5,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9870% | 2,902 |
| Return on assets (ROA) | 0.9732% | 3,001 |
| Pretax return on assets | 1.1241% | 3,077 |
| Return on Equity (ROE) | 8.5946% | 2,992 |
| Retained earnings to average equity (ytd only) | -0.1754% | 4,557 |
| Net charge-offs to loans | 0.0311% | 1,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 95.6667% | 686 |
| Efficiency ratio | 57.6696% | 4,122 |
| Assets per employee ($millions) | 8.9627% | 485 |
| Cash dividends to net income (ytd only)* | 102.0408% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 4,332 |
| Loan loss allowance to noncurrent loans | 395.1220% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 4,388 |
| Noncurrent loans to loans | 0.2160% | 3,817 |
| Net loans and leases to total assets | 38.1732% | 4,953 |
| Net loans and leases to deposits | 48.2067% | 4,874 |
| Net loans and leases to core deposits | 51.2878% | 4,856 |
| Total domestic deposits to total assets | 79.1865% | 4,323 |
| Equity capital to assets | 11.7243% | 2,211 |
| Core capital (leverage) ratio | 11.8294% | 1,884 |
| Tier 1 risk-based capital ratio | 23.0274% | 932 |
| Total risk-based capital ratio | 23.6696% | 978 |
| Memoranda: | ||
| Average total assets | $100,702,500 | 4,095 |
| Average earning assets | $94,138,000 | 4,074 |
| Average equity | $11,402,500 | 4,143 |
| Average total loans | $38,631,000 | 4,578 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2756% | 5,099 |
| Cost of funding earning assets | 0.8779% | 1,184 |
| Net interest margin | 2.3976% | 5,249 |
| Noninterest income to average assets | 0.4157% | 3,342 |
| Noninterest expense to average assets | 1.5252% | 5,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9873% | 3,068 |
| Return on assets (ROA) | 0.9599% | 3,179 |
| Pretax return on assets | 1.0914% | 3,306 |
| Return on Equity (ROE) | 8.5443% | 3,202 |
| Retained earnings to average equity (ytd only) | 0.5005% | 4,852 |
| Net charge-offs to loans | 0.0271% | 2,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 111.8000% | 682 |
| Efficiency ratio | 57.6033% | 4,201 |
| Assets per employee ($millions) | 9.3468% | 415 |
| Cash dividends to net income (ytd only)* | 94.1423% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 4,430 |
| Loan loss allowance to noncurrent loans | 473.9130% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 4,495 |
| Noncurrent loans to loans | 0.1756% | 3,965 |
| Net loans and leases to total assets | 37.9089% | 5,019 |
| Net loans and leases to deposits | 47.0639% | 4,955 |
| Net loans and leases to core deposits | 49.5355% | 4,953 |
| Total domestic deposits to total assets | 80.5476% | 3,987 |
| Equity capital to assets | 10.9381% | 2,749 |
| Core capital (leverage) ratio | 11.9736% | 1,751 |
| Tier 1 risk-based capital ratio | 22.5060% | 969 |
| Total risk-based capital ratio | 23.1392% | 1,027 |
| Memoranda: | ||
| Average total assets | $99,595,400 | 4,107 |
| Average earning assets | $92,716,000 | 4,086 |
| Average equity | $11,188,800 | 4,135 |
| Average total loans | $36,869,200 | 4,637 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2887% | 5,129 |
| Cost of funding earning assets | 0.8593% | 1,076 |
| Net interest margin | 2.4295% | 5,308 |
| Noninterest income to average assets | 0.4278% | 3,299 |
| Noninterest expense to average assets | 1.4805% | 5,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0612% | 2,816 |
| Return on assets (ROA) | 1.0244% | 3,000 |
| Pretax return on assets | 1.1607% | 3,158 |
| Return on Equity (ROE) | 9.0561% | 3,054 |
| Retained earnings to average equity (ytd only) | 1.8971% | 4,612 |
| Net charge-offs to loans | 0.0919% | 1,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 35.6427% | 1,448 |
| Efficiency ratio | 55.1811% | 4,492 |
| Assets per employee ($millions) | 9.6044% | 368 |
| Cash dividends to net income (ytd only)* | 79.0518% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 4,377 |
| Loan loss allowance to noncurrent loans | 537.9310% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 4,674 |
| Noncurrent loans to loans | 0.1613% | 4,161 |
| Net loans and leases to total assets | 37.1153% | 5,105 |
| Net loans and leases to deposits | 46.7606% | 5,038 |
| Net loans and leases to core deposits | 49.4219% | 5,036 |
| Total domestic deposits to total assets | 79.3730% | 4,240 |
| Equity capital to assets | 11.5822% | 2,198 |
| Core capital (leverage) ratio | 12.1483% | 1,695 |
| Tier 1 risk-based capital ratio | 24.2318% | 818 |
| Total risk-based capital ratio | 24.8765% | 862 |
| Memoranda: | ||
| Average total assets | $98,790,500 | 4,162 |
| Average earning assets | $91,704,500 | 4,149 |
| Average equity | $11,174,500 | 4,177 |
| Average total loans | $36,260,750 | 4,700 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2474% | 5,187 |
| Cost of funding earning assets | 0.8394% | 968 |
| Net interest margin | 2.4080% | 5,378 |
| Noninterest income to average assets | 0.4313% | 3,288 |
| Noninterest expense to average assets | 1.5425% | 5,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9956% | 3,038 |
| Return on assets (ROA) | 0.9849% | 3,091 |
| Pretax return on assets | 1.1093% | 3,278 |
| Return on Equity (ROE) | 8.7746% | 3,134 |
| Retained earnings to average equity (ytd only) | -1.9479% | 5,145 |
| Net charge-offs to loans | 0.2310% | 694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 13.3095% | 2,155 |
| Efficiency ratio | 57.9066% | 4,247 |
| Assets per employee ($millions) | 9.9767% | 318 |
| Cash dividends to net income (ytd only)* | 122.1996% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 4,522 |
| Loan loss allowance to noncurrent loans | 359.7561% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 4,598 |
| Noncurrent loans to loans | 0.2387% | 3,850 |
| Net loans and leases to total assets | 34.1415% | 5,234 |
| Net loans and leases to deposits | 42.6724% | 5,175 |
| Net loans and leases to core deposits | 44.9616% | 5,175 |
| Total domestic deposits to total assets | 80.0084% | 4,237 |
| Equity capital to assets | 11.0026% | 2,639 |
| Core capital (leverage) ratio | 11.5740% | 2,007 |
| Tier 1 risk-based capital ratio | 24.0558% | 830 |
| Total risk-based capital ratio | 24.6751% | 869 |
| Memoranda: | ||
| Average total assets | $99,706,000 | 4,179 |
| Average earning assets | $92,443,330 | 4,171 |
| Average equity | $11,191,330 | 4,206 |
| Average total loans | $36,361,330 | 4,743 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1637% | 5,262 |
| Cost of funding earning assets | 0.8070% | 919 |
| Net interest margin | 2.3567% | 5,456 |
| Noninterest income to average assets | 0.4294% | 3,249 |
| Noninterest expense to average assets | 1.5049% | 5,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9303% | 3,158 |
| Return on assets (ROA) | 0.9270% | 3,190 |
| Pretax return on assets | 1.1236% | 3,075 |
| Return on Equity (ROE) | 8.1781% | 3,307 |
| Retained earnings to average equity (ytd only) | 1.0975% | 4,602 |
| Net charge-offs to loans | 0.0428% | 1,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 70.2500% | 770 |
| Efficiency ratio | 57.1646% | 4,446 |
| Assets per employee ($millions) | 9.9367% | 332 |
| Cash dividends to net income (ytd only)* | 86.5801% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 4,388 |
| Loan loss allowance to noncurrent loans | 537.0968% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 4,777 |
| Noncurrent loans to loans | 0.1699% | 4,217 |
| Net loans and leases to total assets | 36.3833% | 5,195 |
| Net loans and leases to deposits | 45.5942% | 5,111 |
| Net loans and leases to core deposits | 48.0247% | 5,100 |
| Total domestic deposits to total assets | 79.7981% | 4,448 |
| Equity capital to assets | 11.2251% | 2,370 |
| Core capital (leverage) ratio | 11.7088% | 1,841 |
| Tier 1 risk-based capital ratio | 23.1054% | 932 |
| Total risk-based capital ratio | 23.7688% | 969 |
| Memoranda: | ||
| Average total assets | $99,675,500 | 4,224 |
| Average earning assets | $93,181,000 | 4,202 |
| Average equity | $11,298,500 | 4,227 |
| Average total loans | $37,363,500 | 4,772 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0873% | 5,303 |
| Cost of funding earning assets | 0.7828% | 686 |
| Net interest margin | 2.3045% | 5,500 |
| Noninterest income to average assets | 0.4254% | 3,472 |
| Noninterest expense to average assets | 1.5227% | 5,465 |
| Loan and lease loss provision to assets | -0.1498% | 5,535 |
| Net operating income to assets | 0.8939% | 2,748 |
| Return on assets (ROA) | 0.8857% | 2,815 |
| Pretax return on assets | 1.1842% | 2,830 |
| Return on Equity (ROE) | 7.6550% | 2,976 |
| Retained earnings to average equity (ytd only) | 0.7508% | 4,741 |
| Net charge-offs to loans | -0.0472% | 5,169 |
| Credit loss provision to net charge-offs | 882.3529% | 400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2924% | 4,374 |
| Assets per employee ($millions) | 9.9984% | 318 |
| Cash dividends to net income (ytd only)* | 90.1917% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 4,555 |
| Loan loss allowance to noncurrent loans | 518.4615% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 4,800 |
| Noncurrent loans to loans | 0.1700% | 4,239 |
| Net loans and leases to total assets | 37.9101% | 5,227 |
| Net loans and leases to deposits | 47.4601% | 5,144 |
| Net loans and leases to core deposits | 49.6730% | 5,145 |
| Total domestic deposits to total assets | 79.8778% | 4,358 |
| Equity capital to assets | 11.4448% | 2,238 |
| Core capital (leverage) ratio | 11.4780% | 1,955 |
| Tier 1 risk-based capital ratio | 22.6577% | 946 |
| Total risk-based capital ratio | 23.3179% | 989 |
| Memoranda: | ||
| Average total assets | $100,149,800 | 4,232 |
| Average earning assets | $93,122,000 | 4,220 |
| Average equity | $11,587,200 | 4,210 |
| Average total loans | $36,001,800 | 4,844 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0633% | 5,367 |
| Cost of funding earning assets | 0.7830% | 637 |
| Net interest margin | 2.2803% | 5,581 |
| Noninterest income to average assets | 0.3992% | 3,692 |
| Noninterest expense to average assets | 1.4825% | 5,530 |
| Loan and lease loss provision to assets | -0.0798% | 5,560 |
| Net operating income to assets | 1.0680% | 2,242 |
| Return on assets (ROA) | 1.0540% | 2,347 |
| Pretax return on assets | 1.0979% | 3,309 |
| Return on Equity (ROE) | 9.0850% | 2,561 |
| Retained earnings to average equity (ytd only) | 2.2024% | 4,538 |
| Net charge-offs to loans | -0.0828% | 5,326 |
| Credit loss provision to net charge-offs | 272.7273% | 1,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9418% | 4,370 |
| Assets per employee ($millions) | 9.8062% | 336 |
| Cash dividends to net income (ytd only)* | 75.7578% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 3,071 |
| Loan loss allowance to noncurrent loans | 540.0000% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 4,828 |
| Noncurrent loans to loans | 0.2171% | 4,193 |
| Net loans and leases to total assets | 37.1296% | 5,300 |
| Net loans and leases to deposits | 47.7815% | 5,192 |
| Net loans and leases to core deposits | 48.7704% | 5,240 |
| Total domestic deposits to total assets | 77.7070% | 4,770 |
| Equity capital to assets | 12.0709% | 1,921 |
| Core capital (leverage) ratio | 11.8287% | 1,798 |
| Tier 1 risk-based capital ratio | 23.4329% | 903 |
| Total risk-based capital ratio | 24.3003% | 928 |
| Memoranda: | ||
| Average total assets | $100,191,250 | 4,279 |
| Average earning assets | $92,968,250 | 4,257 |
| Average equity | $11,623,250 | 4,240 |
| Average total loans | $35,442,000 | 4,905 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0248% | 5,416 |
| Cost of funding earning assets | 0.7792% | 583 |
| Net interest margin | 2.2456% | 5,631 |
| Noninterest income to average assets | 0.4063% | 3,652 |
| Noninterest expense to average assets | 1.5124% | 5,554 |
| Loan and lease loss provision to assets | -0.1189% | 5,659 |
| Net operating income to assets | 1.0450% | 2,229 |
| Return on assets (ROA) | 1.0545% | 2,230 |
| Pretax return on assets | 1.1021% | 3,171 |
| Return on Equity (ROE) | 9.2105% | 2,406 |
| Retained earnings to average equity (ytd only) | 2.2853% | 4,314 |
| Net charge-offs to loans | -0.1144% | 5,451 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8453% | 4,188 |
| Assets per employee ($millions) | 9.9253% | 308 |
| Cash dividends to net income (ytd only)* | 75.1880% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,675 |
| Loan loss allowance to noncurrent loans | 796.2963% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 4,999 |
| Noncurrent loans to loans | 0.1572% | 4,487 |
| Net loans and leases to total assets | 34.1743% | 5,438 |
| Net loans and leases to deposits | 44.6673% | 5,320 |
| Net loans and leases to core deposits | 45.5735% | 5,352 |
| Total domestic deposits to total assets | 76.5085% | 5,029 |
| Equity capital to assets | 11.8838% | 2,015 |
| Core capital (leverage) ratio | 11.5786% | 1,918 |
| Tier 1 risk-based capital ratio | 23.9269% | 859 |
| Total risk-based capital ratio | 24.8130% | 879 |
| Memoranda: | ||
| Average total assets | $100,901,000 | 4,289 |
| Average earning assets | $93,426,330 | 4,280 |
| Average equity | $11,552,000 | 4,268 |
| Average total loans | $34,975,330 | 4,954 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9838% | 5,475 |
| Cost of funding earning assets | 0.7767% | 560 |
| Net interest margin | 2.2071% | 5,702 |
| Noninterest income to average assets | 0.4050% | 3,621 |
| Noninterest expense to average assets | 1.5021% | 5,631 |
| Loan and lease loss provision to assets | -0.1573% | 5,781 |
| Net operating income to assets | 1.0158% | 2,241 |
| Return on assets (ROA) | 1.0302% | 2,217 |
| Pretax return on assets | 1.1207% | 2,902 |
| Return on Equity (ROE) | 9.1685% | 2,331 |
| Retained earnings to average equity (ytd only) | 2.1696% | 4,276 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3162% | 4,263 |
| Assets per employee ($millions) | 10.1474% | 289 |
| Cash dividends to net income (ytd only)* | 76.3359% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,870 |
| Loan loss allowance to noncurrent loans | 1,592.5926% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 5,211 |
| Noncurrent loans to loans | 0.0781% | 4,886 |
| Net loans and leases to total assets | 33.6490% | 5,478 |
| Net loans and leases to deposits | 43.5490% | 5,373 |
| Net loans and leases to core deposits | 44.7727% | 5,395 |
| Total domestic deposits to total assets | 77.2671% | 5,083 |
| Equity capital to assets | 11.3724% | 2,286 |
| Core capital (leverage) ratio | 11.4745% | 1,970 |
| Tier 1 risk-based capital ratio | 23.4398% | 925 |
| Total risk-based capital ratio | 24.3131% | 952 |
| Memoranda: | ||
| Average total assets | $101,725,000 | 4,317 |
| Average earning assets | $94,242,000 | 4,303 |
| Average equity | $11,430,500 | 4,316 |
| Average total loans | $35,288,500 | 4,989 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9740% | 5,520 |
| Cost of funding earning assets | 0.6356% | 1,133 |
| Net interest margin | 2.3384% | 5,692 |
| Noninterest income to average assets | 0.4393% | 3,623 |
| Noninterest expense to average assets | 1.5729% | 5,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0058% | 2,330 |
| Return on assets (ROA) | 1.0399% | 2,285 |
| Pretax return on assets | 1.0573% | 3,272 |
| Return on Equity (ROE) | 9.2337% | 2,296 |
| Retained earnings to average equity (ytd only) | 3.2322% | 3,615 |
| Net charge-offs to loans | -0.0897% | 5,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6027% | 4,492 |
| Assets per employee ($millions) | 10.1976% | 286 |
| Cash dividends to net income (ytd only)* | 64.9954% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 2,518 |
| Loan loss allowance to noncurrent loans | 7,833.3333% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 5,400 |
| Noncurrent loans to loans | 0.0167% | 5,212 |
| Net loans and leases to total assets | 34.8435% | 5,526 |
| Net loans and leases to deposits | 45.2096% | 5,393 |
| Net loans and leases to core deposits | 46.4501% | 5,415 |
| Total domestic deposits to total assets | 77.0711% | 5,111 |
| Equity capital to assets | 11.1016% | 2,539 |
| Core capital (leverage) ratio | 11.2583% | 2,118 |
| Tier 1 risk-based capital ratio | 22.8212% | 982 |
| Total risk-based capital ratio | 23.7556% | 998 |
| Memoranda: | ||
| Average total assets | $103,568,400 | 4,294 |
| Average earning assets | $95,493,000 | 4,283 |
| Average equity | $11,663,800 | 4,307 |
| Average total loans | $35,677,600 | 5,025 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9746% | 5,592 |
| Cost of funding earning assets | 0.6317% | 1,130 |
| Net interest margin | 2.3428% | 5,756 |
| Noninterest income to average assets | 0.4386% | 3,642 |
| Noninterest expense to average assets | 1.5646% | 5,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9612% | 2,609 |
| Return on assets (ROA) | 1.0041% | 2,551 |
| Pretax return on assets | 1.0747% | 3,335 |
| Return on Equity (ROE) | 8.8852% | 2,563 |
| Retained earnings to average equity (ytd only) | 3.2114% | 3,985 |
| Net charge-offs to loans | -0.1199% | 5,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3363% | 4,494 |
| Assets per employee ($millions) | 9.8196% | 314 |
| Cash dividends to net income (ytd only)* | 63.8572% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 2,416 |
| Loan loss allowance to noncurrent loans | 6,714.2857% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 5,504 |
| Noncurrent loans to loans | 0.0202% | 5,311 |
| Net loans and leases to total assets | 34.8619% | 5,595 |
| Net loans and leases to deposits | 45.4724% | 5,471 |
| Net loans and leases to core deposits | 46.4208% | 5,498 |
| Total domestic deposits to total assets | 76.6661% | 5,141 |
| Equity capital to assets | 12.1115% | 2,030 |
| Core capital (leverage) ratio | 11.2383% | 2,241 |
| Tier 1 risk-based capital ratio | 23.3224% | 966 |
| Total risk-based capital ratio | 24.2851% | 984 |
| Memoranda: | ||
| Average total assets | $103,966,500 | 4,320 |
| Average earning assets | $95,608,250 | 4,311 |
| Average equity | $11,749,500 | 4,328 |
| Average total loans | $35,596,500 | 5,077 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9737% | 5,671 |
| Cost of funding earning assets | 0.6227% | 1,179 |
| Net interest margin | 2.3510% | 5,838 |
| Noninterest income to average assets | 0.4476% | 3,541 |
| Noninterest expense to average assets | 1.5771% | 5,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0240% | 2,279 |
| Return on assets (ROA) | 1.0577% | 2,264 |
| Pretax return on assets | 1.0653% | 3,341 |
| Return on Equity (ROE) | 9.5713% | 2,243 |
| Retained earnings to average equity (ytd only) | 4.4438% | 3,087 |
| Net charge-offs to loans | -0.1393% | 5,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4634% | 4,583 |
| Assets per employee ($millions) | 10.5520% | 233 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 2,618 |
| Loan loss allowance to noncurrent loans | 424.7706% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 5,098 |
| Noncurrent loans to loans | 0.3133% | 4,241 |
| Net loans and leases to total assets | 32.5360% | 5,732 |
| Net loans and leases to deposits | 41.9430% | 5,621 |
| Net loans and leases to core deposits | 42.7254% | 5,658 |
| Total domestic deposits to total assets | 77.5720% | 5,071 |
| Equity capital to assets | 11.4016% | 2,637 |
| Core capital (leverage) ratio | 10.6763% | 2,756 |
| Tier 1 risk-based capital ratio | 22.3483% | 1,096 |
| Total risk-based capital ratio | 23.2589% | 1,119 |
| Memoranda: | ||
| Average total assets | $105,890,000 | 4,315 |
| Average earning assets | $97,321,330 | 4,319 |
| Average equity | $11,701,670 | 4,364 |
| Average total loans | $35,894,330 | 5,112 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9590% | 5,726 |
| Cost of funding earning assets | 0.6253% | 1,181 |
| Net interest margin | 2.3336% | 5,910 |
| Noninterest income to average assets | 0.4638% | 3,389 |
| Noninterest expense to average assets | 1.5687% | 5,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0483% | 2,090 |
| Return on assets (ROA) | 1.0483% | 2,200 |
| Pretax return on assets | 1.0483% | 3,284 |
| Return on Equity (ROE) | 9.6386% | 2,137 |
| Retained earnings to average equity (ytd only) | 4.4379% | 3,267 |
| Net charge-offs to loans | -0.5049% | 5,994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9424% | 4,752 |
| Assets per employee ($millions) | 10.5791% | 234 |
| Cash dividends to net income (ytd only)* | 53.9568% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 2,549 |
| Loan loss allowance to noncurrent loans | 605.0000% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 5,277 |
| Noncurrent loans to loans | 0.2269% | 4,615 |
| Net loans and leases to total assets | 32.8676% | 5,759 |
| Net loans and leases to deposits | 42.6188% | 5,638 |
| Net loans and leases to core deposits | 43.4014% | 5,678 |
| Total domestic deposits to total assets | 77.1200% | 5,271 |
| Equity capital to assets | 11.0510% | 2,884 |
| Core capital (leverage) ratio | 10.6972% | 2,732 |
| Tier 1 risk-based capital ratio | 21.8141% | 1,188 |
| Total risk-based capital ratio | 22.7542% | 1,208 |
| Memoranda: | ||
| Average total assets | $106,075,000 | 4,345 |
| Average earning assets | $97,872,500 | 4,343 |
| Average equity | $11,537,000 | 4,410 |
| Average total loans | $36,444,000 | 5,130 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9441% | 5,784 |
| Cost of funding earning assets | 0.6533% | 1,057 |
| Net interest margin | 2.2908% | 5,951 |
| Noninterest income to average assets | 0.6936% | 2,233 |
| Noninterest expense to average assets | 1.5968% | 5,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0263% | 2,223 |
| Return on assets (ROA) | 1.0622% | 2,156 |
| Pretax return on assets | 1.2719% | 2,389 |
| Return on Equity (ROE) | 9.6149% | 2,168 |
| Retained earnings to average equity (ytd only) | 4.6680% | 2,664 |
| Net charge-offs to loans | 0.0651% | 2,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 56.2273% | 918 |
| Efficiency ratio | 56.5049% | 5,300 |
| Assets per employee ($millions) | 10.6359% | 222 |
| Cash dividends to net income (ytd only)* | 51.4500% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 3,684 |
| Loan loss allowance to noncurrent loans | 842.3077% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 5,484 |
| Noncurrent loans to loans | 0.1382% | 4,941 |
| Net loans and leases to total assets | 34.9712% | 5,741 |
| Net loans and leases to deposits | 44.7012% | 5,629 |
| Net loans and leases to core deposits | 45.4885% | 5,668 |
| Total domestic deposits to total assets | 78.2332% | 5,119 |
| Equity capital to assets | 10.7024% | 3,134 |
| Core capital (leverage) ratio | 10.6423% | 2,782 |
| Tier 1 risk-based capital ratio | 21.1607% | 1,268 |
| Total risk-based capital ratio | 21.9954% | 1,315 |
| Memoranda: | ||
| Average total assets | $100,637,600 | 4,450 |
| Average earning assets | $93,680,000 | 4,437 |
| Average equity | $11,118,200 | 4,457 |
| Average total loans | $33,778,400 | 5,236 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9438% | 5,860 |
| Cost of funding earning assets | 0.6606% | 1,032 |
| Net interest margin | 2.2832% | 6,042 |
| Noninterest income to average assets | 0.6223% | 2,628 |
| Noninterest expense to average assets | 1.6006% | 5,977 |
| Loan and lease loss provision to assets | 0.0739% | 2,691 |
| Net operating income to assets | 0.9689% | 2,626 |
| Return on assets (ROA) | 1.0281% | 2,427 |
| Pretax return on assets | 1.1410% | 3,050 |
| Return on Equity (ROE) | 9.2288% | 2,449 |
| Retained earnings to average equity (ytd only) | 2.5937% | 4,567 |
| Net charge-offs to loans | 0.1219% | 1,905 |
| Credit loss provision to net charge-offs | 183.3333% | 1,448 |
| Earnings coverage of net charge-offs (x) | 28.4993% | 1,544 |
| Efficiency ratio | 58.2111% | 5,097 |
| Assets per employee ($millions) | 9.9099% | 281 |
| Cash dividends to net income (ytd only)* | 71.8962% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 2,233 |
| Loan loss allowance to noncurrent loans | 655.4054% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 5,460 |
| Noncurrent loans to loans | 0.2260% | 4,753 |
| Net loans and leases to total assets | 32.5473% | 5,907 |
| Net loans and leases to deposits | 42.3542% | 5,791 |
| Net loans and leases to core deposits | 43.0208% | 5,825 |
| Total domestic deposits to total assets | 76.8454% | 5,368 |
| Equity capital to assets | 11.2877% | 2,713 |
| Core capital (leverage) ratio | 10.9174% | 2,575 |
| Tier 1 risk-based capital ratio | 22.2878% | 1,153 |
| Total risk-based capital ratio | 23.2910% | 1,167 |
| Memoranda: | ||
| Average total assets | $99,207,250 | 4,525 |
| Average earning assets | $92,440,500 | 4,513 |
| Average equity | $11,052,000 | 4,520 |
| Average total loans | $32,814,750 | 5,328 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9452% | 5,901 |
| Cost of funding earning assets | 0.6644% | 1,027 |
| Net interest margin | 2.2809% | 6,109 |
| Noninterest income to average assets | 0.5784% | 2,866 |
| Noninterest expense to average assets | 1.5860% | 6,058 |
| Loan and lease loss provision to assets | 0.1108% | 1,982 |
| Net operating income to assets | 0.9117% | 2,811 |
| Return on assets (ROA) | 1.0016% | 2,491 |
| Pretax return on assets | 1.1044% | 3,154 |
| Return on Equity (ROE) | 9.0303% | 2,523 |
| Retained earnings to average equity (ytd only) | 2.6709% | 4,356 |
| Net charge-offs to loans | 0.3289% | 802 |
| Credit loss provision to net charge-offs | 101.8519% | 2,018 |
| Earnings coverage of net charge-offs (x) | 10.2593% | 2,377 |
| Efficiency ratio | 58.6875% | 5,149 |
| Assets per employee ($millions) | 9.8466% | 272 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 2,254 |
| Loan loss allowance to noncurrent loans | 1,152.5000% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 5,702 |
| Noncurrent loans to loans | 0.1311% | 5,225 |
| Net loans and leases to total assets | 30.5253% | 6,025 |
| Net loans and leases to deposits | 39.6844% | 5,911 |
| Net loans and leases to core deposits | 40.3109% | 5,946 |
| Total domestic deposits to total assets | 76.9200% | 5,465 |
| Equity capital to assets | 11.1267% | 2,749 |
| Core capital (leverage) ratio | 10.7731% | 2,653 |
| Tier 1 risk-based capital ratio | 23.9462% | 963 |
| Total risk-based capital ratio | 24.9749% | 969 |
| Memoranda: | ||
| Average total assets | $99,243,330 | 4,566 |
| Average earning assets | $92,420,000 | 4,549 |
| Average equity | $11,007,330 | 4,560 |
| Average total loans | $32,840,000 | 5,376 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9499% | 5,946 |
| Cost of funding earning assets | 0.6781% | 960 |
| Net interest margin | 2.2718% | 6,173 |
| Noninterest income to average assets | 0.5259% | 3,113 |
| Noninterest expense to average assets | 1.6099% | 6,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9583% | 2,458 |
| Return on assets (ROA) | 0.9957% | 2,419 |
| Pretax return on assets | 1.0679% | 3,226 |
| Return on Equity (ROE) | 8.9912% | 2,451 |
| Retained earnings to average equity (ytd only) | 1.7402% | 4,778 |
| Net charge-offs to loans | -0.3059% | 6,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0350% | 4,956 |
| Assets per employee ($millions) | 9.9710% | 258 |
| Cash dividends to net income (ytd only)* | 80.6452% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 2,437 |
| Loan loss allowance to noncurrent loans | 467.3077% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 5,536 |
| Noncurrent loans to loans | 0.3212% | 4,640 |
| Net loans and leases to total assets | 31.9848% | 6,001 |
| Net loans and leases to deposits | 41.4526% | 5,866 |
| Net loans and leases to core deposits | 42.3325% | 5,895 |
| Total domestic deposits to total assets | 77.1598% | 5,590 |
| Equity capital to assets | 11.1794% | 2,778 |
| Core capital (leverage) ratio | 10.7784% | 2,653 |
| Tier 1 risk-based capital ratio | 22.9230% | 1,116 |
| Total risk-based capital ratio | 23.9709% | 1,128 |
| Memoranda: | ||
| Average total assets | $99,632,000 | 4,594 |
| Average earning assets | $92,614,000 | 4,581 |
| Average equity | $11,033,000 | 4,589 |
| Average total loans | $34,001,000 | 5,373 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0190% | 6,043 |
| Cost of funding earning assets | 0.6705% | 1,263 |
| Net interest margin | 2.3485% | 6,248 |
| Noninterest income to average assets | 0.5425% | 3,217 |
| Noninterest expense to average assets | 1.6388% | 6,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9542% | 2,610 |
| Return on assets (ROA) | 1.0902% | 2,067 |
| Pretax return on assets | 1.2345% | 2,507 |
| Return on Equity (ROE) | 10.0352% | 2,101 |
| Retained earnings to average equity (ytd only) | 3.4393% | 3,765 |
| Net charge-offs to loans | 0.2229% | 1,882 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 14.2568% | 2,181 |
| Efficiency ratio | 60.2786% | 5,184 |
| Assets per employee ($millions) | 9.0504% | 337 |
| Cash dividends to net income (ytd only)* | 65.7277% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 3,473 |
| Loan loss allowance to noncurrent loans | 3,285.7143% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 6,000 |
| Noncurrent loans to loans | 0.0393% | 5,717 |
| Net loans and leases to total assets | 35.3215% | 5,979 |
| Net loans and leases to deposits | 44.6402% | 5,857 |
| Net loans and leases to core deposits | 45.7716% | 5,903 |
| Total domestic deposits to total assets | 79.1249% | 5,227 |
| Equity capital to assets | 10.9679% | 2,926 |
| Core capital (leverage) ratio | 10.7313% | 2,689 |
| Tier 1 risk-based capital ratio | 21.6412% | 1,281 |
| Total risk-based capital ratio | 22.5819% | 1,312 |
| Memoranda: | ||
| Average total assets | $97,691,000 | 4,657 |
| Average earning assets | $90,526,800 | 4,640 |
| Average equity | $10,612,600 | 4,635 |
| Average total loans | $33,201,000 | 5,438 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0202% | 6,118 |
| Cost of funding earning assets | 0.6545% | 1,429 |
| Net interest margin | 2.3657% | 6,316 |
| Noninterest income to average assets | 0.5458% | 3,225 |
| Noninterest expense to average assets | 1.6909% | 6,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8888% | 2,964 |
| Return on assets (ROA) | 1.0450% | 2,315 |
| Pretax return on assets | 1.2246% | 2,675 |
| Return on Equity (ROE) | 9.6428% | 2,387 |
| Retained earnings to average equity (ytd only) | 2.6828% | 4,681 |
| Net charge-offs to loans | 0.3722% | 1,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.3406% | 2,815 |
| Efficiency ratio | 61.8976% | 4,899 |
| Assets per employee ($millions) | 8.7700% | 373 |
| Cash dividends to net income (ytd only)* | 72.1793% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 3,016 |
| Loan loss allowance to noncurrent loans | 1,527.5862% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 3,910 |
| Noncurrent loans to loans | 0.0939% | 5,665 |
| Net loans and leases to total assets | 31.5424% | 6,202 |
| Net loans and leases to deposits | 39.9540% | 6,118 |
| Net loans and leases to core deposits | 40.9201% | 6,155 |
| Total domestic deposits to total assets | 78.9468% | 5,338 |
| Equity capital to assets | 11.1465% | 2,819 |
| Core capital (leverage) ratio | 10.8670% | 2,612 |
| Tier 1 risk-based capital ratio | 22.9999% | 1,106 |
| Total risk-based capital ratio | 23.9768% | 1,136 |
| Memoranda: | ||
| Average total assets | $97,225,250 | 4,714 |
| Average earning assets | $89,836,750 | 4,705 |
| Average equity | $10,536,000 | 4,682 |
| Average total loans | $32,595,250 | 5,513 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0092% | 6,166 |
| Cost of funding earning assets | 0.6439% | 1,557 |
| Net interest margin | 2.3653% | 6,378 |
| Noninterest income to average assets | 0.5437% | 3,180 |
| Noninterest expense to average assets | 1.7194% | 6,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8187% | 3,239 |
| Return on assets (ROA) | 1.0156% | 2,334 |
| Pretax return on assets | 1.2639% | 2,397 |
| Return on Equity (ROE) | 9.4613% | 2,388 |
| Retained earnings to average equity (ytd only) | 1.8158% | 4,982 |
| Net charge-offs to loans | 0.6271% | 618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.7692% | 3,050 |
| Efficiency ratio | 62.8186% | 4,888 |
| Assets per employee ($millions) | 8.7154% | 368 |
| Cash dividends to net income (ytd only)* | 80.8081% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 3,333 |
| Loan loss allowance to noncurrent loans | 741.3793% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 3,860 |
| Noncurrent loans to loans | 0.1893% | 5,443 |
| Net loans and leases to total assets | 31.5055% | 6,260 |
| Net loans and leases to deposits | 38.9423% | 6,194 |
| Net loans and leases to core deposits | 39.4473% | 6,235 |
| Total domestic deposits to total assets | 80.9031% | 5,016 |
| Equity capital to assets | 11.1266% | 2,762 |
| Core capital (leverage) ratio | 10.5882% | 2,838 |
| Tier 1 risk-based capital ratio | 22.9103% | 1,122 |
| Total risk-based capital ratio | 23.8655% | 1,150 |
| Memoranda: | ||
| Average total assets | $97,477,000 | 4,745 |
| Average earning assets | $90,390,330 | 4,720 |
| Average equity | $10,463,670 | 4,709 |
| Average total loans | $33,169,670 | 5,527 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0060% | 6,240 |
| Cost of funding earning assets | 0.6117% | 1,881 |
| Net interest margin | 2.3943% | 6,426 |
| Noninterest income to average assets | 0.5617% | 2,975 |
| Noninterest expense to average assets | 1.7664% | 6,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8341% | 2,984 |
| Return on assets (ROA) | 0.9890% | 2,309 |
| Pretax return on assets | 1.2169% | 2,407 |
| Return on Equity (ROE) | 9.3804% | 2,298 |
| Retained earnings to average equity (ytd only) | 1.6599% | 4,950 |
| Net charge-offs to loans | 0.0116% | 3,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 190 |
| Efficiency ratio | 63.2653% | 4,965 |
| Assets per employee ($millions) | 8.9188% | 345 |
| Cash dividends to net income (ytd only)* | 82.3045% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 2,274 |
| Loan loss allowance to noncurrent loans | 141.7553% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0621% | 3,131 |
| Noncurrent loans to loans | 1.2162% | 3,014 |
| Net loans and leases to total assets | 30.9703% | 6,308 |
| Net loans and leases to deposits | 37.9942% | 6,248 |
| Net loans and leases to core deposits | 38.3496% | 6,301 |
| Total domestic deposits to total assets | 81.5130% | 5,086 |
| Equity capital to assets | 10.6425% | 3,095 |
| Core capital (leverage) ratio | 10.4972% | 2,936 |
| Tier 1 risk-based capital ratio | 22.5091% | 1,211 |
| Total risk-based capital ratio | 23.5050% | 1,232 |
| Memoranda: | ||
| Average total assets | $98,281,000 | 4,765 |
| Average earning assets | $91,550,500 | 4,739 |
| Average equity | $10,362,000 | 4,754 |
| Average total loans | $34,437,500 | 5,523 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2573% | 6,064 |
| Cost of funding earning assets | 0.6955% | 1,848 |
| Net interest margin | 2.5618% | 6,310 |
| Noninterest income to average assets | 0.5682% | 3,279 |
| Noninterest expense to average assets | 1.6291% | 6,498 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0410% | 2,149 |
| Return on assets (ROA) | 1.1186% | 1,936 |
| Pretax return on assets | 1.3539% | 1,953 |
| Return on Equity (ROE) | 10.3406% | 1,978 |
| Retained earnings to average equity (ytd only) | 4.5149% | 2,963 |
| Net charge-offs to loans | 0.1236% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 27.9070% | 1,255 |
| Efficiency ratio | 56.3795% | 5,908 |
| Assets per employee ($millions) | 8.9505% | 337 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 3,622 |
| Loan loss allowance to noncurrent loans | 59.6648% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 1.0380% | 3,349 |
| Noncurrent loans to loans | 2.3579% | 1,628 |
| Net loans and leases to total assets | 38.0113% | 6,090 |
| Net loans and leases to deposits | 46.2413% | 5,993 |
| Net loans and leases to core deposits | 47.0263% | 6,090 |
| Total domestic deposits to total assets | 82.2020% | 4,806 |
| Equity capital to assets | 10.4444% | 3,229 |
| Core capital (leverage) ratio | 10.4382% | 2,975 |
| Tier 1 risk-based capital ratio | 19.7851% | 1,702 |
| Total risk-based capital ratio | 20.8191% | 1,729 |
| Memoranda: | ||
| Average total assets | $95,207,400 | 4,862 |
| Average earning assets | $86,267,400 | 4,876 |
| Average equity | $10,299,200 | 4,786 |
| Average total loans | $34,786,200 | 5,548 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3224% | 6,020 |
| Cost of funding earning assets | 0.7130% | 1,864 |
| Net interest margin | 2.6095% | 6,302 |
| Noninterest income to average assets | 0.5353% | 3,555 |
| Noninterest expense to average assets | 1.6356% | 6,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0361% | 2,237 |
| Return on assets (ROA) | 1.1088% | 2,044 |
| Pretax return on assets | 1.3291% | 2,215 |
| Return on Equity (ROE) | 10.1583% | 2,122 |
| Retained earnings to average equity (ytd only) | 3.6881% | 4,076 |
| Net charge-offs to loans | 0.1334% | 3,208 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 25.8542% | 1,369 |
| Efficiency ratio | 56.8483% | 5,816 |
| Assets per employee ($millions) | 8.6715% | 357 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 2,707 |
| Loan loss allowance to noncurrent loans | 59.6048% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.4069% | 2,846 |
| Noncurrent loans to loans | 2.8113% | 1,482 |
| Net loans and leases to total assets | 33.4032% | 6,392 |
| Net loans and leases to deposits | 40.5741% | 6,367 |
| Net loans and leases to core deposits | 41.3937% | 6,405 |
| Total domestic deposits to total assets | 82.3265% | 4,816 |
| Equity capital to assets | 10.6892% | 3,085 |
| Core capital (leverage) ratio | 10.3940% | 3,111 |
| Tier 1 risk-based capital ratio | 21.2912% | 1,439 |
| Total risk-based capital ratio | 22.4428% | 1,427 |
| Memoranda: | ||
| Average total assets | $94,395,500 | 4,926 |
| Average earning assets | $84,715,250 | 4,960 |
| Average equity | $10,303,250 | 4,830 |
| Average total loans | $33,993,250 | 5,636 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1994% | 6,229 |
| Cost of funding earning assets | 0.7293% | 1,845 |
| Net interest margin | 2.4701% | 6,479 |
| Noninterest income to average assets | 0.5379% | 3,581 |
| Noninterest expense to average assets | 1.6116% | 6,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9532% | 2,553 |
| Return on assets (ROA) | 1.0652% | 2,174 |
| Pretax return on assets | 1.2544% | 2,467 |
| Return on Equity (ROE) | 9.6915% | 2,320 |
| Retained earnings to average equity (ytd only) | 2.9210% | 4,452 |
| Net charge-offs to loans | -0.0232% | 6,014 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9425% | 5,608 |
| Assets per employee ($millions) | 8.6845% | 343 |
| Cash dividends to net income (ytd only)* | 69.8603% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7921% | 2,455 |
| Loan loss allowance to noncurrent loans | 67.1676% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.4195% | 2,971 |
| Noncurrent loans to loans | 2.6681% | 1,716 |
| Net loans and leases to total assets | 33.3291% | 6,449 |
| Net loans and leases to deposits | 41.8268% | 6,336 |
| Net loans and leases to core deposits | 42.7214% | 6,376 |
| Total domestic deposits to total assets | 79.6837% | 5,675 |
| Equity capital to assets | 10.3633% | 3,476 |
| Core capital (leverage) ratio | 10.3288% | 3,069 |
| Tier 1 risk-based capital ratio | 21.5292% | 1,381 |
| Total risk-based capital ratio | 22.7923% | 1,347 |
| Memoranda: | ||
| Average total assets | $94,065,330 | 4,960 |
| Average earning assets | $83,641,000 | 5,014 |
| Average equity | $10,339,000 | 4,863 |
| Average total loans | $34,522,670 | 5,640 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3359% | 6,075 |
| Cost of funding earning assets | 0.7725% | 1,693 |
| Net interest margin | 2.5634% | 6,420 |
| Noninterest income to average assets | 0.5314% | 3,559 |
| Noninterest expense to average assets | 1.6971% | 6,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9309% | 2,515 |
| Return on assets (ROA) | 0.9943% | 2,369 |
| Pretax return on assets | 1.1400% | 2,815 |
| Return on Equity (ROE) | 8.7891% | 2,586 |
| Retained earnings to average equity (ytd only) | 1.2123% | 5,365 |
| Net charge-offs to loans | -0.0337% | 5,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3953% | 5,392 |
| Assets per employee ($millions) | 8.6734% | 366 |
| Cash dividends to net income (ytd only)* | 86.2069% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7319% | 2,870 |
| Loan loss allowance to noncurrent loans | 43.0586% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 1.9799% | 2,367 |
| Noncurrent loans to loans | 4.0222% | 1,120 |
| Net loans and leases to total assets | 34.4933% | 6,394 |
| Net loans and leases to deposits | 42.1138% | 6,310 |
| Net loans and leases to core deposits | 42.9851% | 6,364 |
| Total domestic deposits to total assets | 81.9049% | 5,223 |
| Equity capital to assets | 11.0380% | 2,917 |
| Core capital (leverage) ratio | 10.4348% | 2,863 |
| Tier 1 risk-based capital ratio | 21.2752% | 1,474 |
| Total risk-based capital ratio | 22.5360% | 1,449 |
| Memoranda: | ||
| Average total assets | $93,333,500 | 5,019 |
| Average earning assets | $81,298,000 | 5,110 |
| Average equity | $10,558,500 | 4,871 |
| Average total loans | $35,574,000 | 5,639 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9573% | 5,421 |
| Cost of funding earning assets | 0.8434% | 2,341 |
| Net interest margin | 3.1139% | 5,783 |
| Noninterest income to average assets | 0.4622% | 4,157 |
| Noninterest expense to average assets | 1.6993% | 6,724 |
| Loan and lease loss provision to assets | 0.1141% | 4,211 |
| Net operating income to assets | 1.1729% | 1,683 |
| Return on assets (ROA) | 1.2108% | 1,732 |
| Pretax return on assets | 1.4585% | 1,825 |
| Return on Equity (ROE) | 10.0674% | 2,140 |
| Retained earnings to average equity (ytd only) | 2.4765% | 4,488 |
| Net charge-offs to loans | 0.2434% | 3,485 |
| Credit loss provision to net charge-offs | 108.6957% | 2,702 |
| Earnings coverage of net charge-offs (x) | 14.5435% | 1,727 |
| Efficiency ratio | 52.6707% | 6,405 |
| Assets per employee ($millions) | 8.2964% | 443 |
| Cash dividends to net income (ytd only)* | 75.4006% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 3,605 |
| Loan loss allowance to noncurrent loans | 42.8678% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 2.0809% | 2,356 |
| Noncurrent loans to loans | 3.5742% | 1,381 |
| Net loans and leases to total assets | 40.6334% | 6,129 |
| Net loans and leases to deposits | 49.9468% | 5,960 |
| Net loans and leases to core deposits | 50.6536% | 6,113 |
| Total domestic deposits to total assets | 81.3533% | 5,289 |
| Equity capital to assets | 11.5998% | 2,348 |
| Core capital (leverage) ratio | 10.8183% | 2,421 |
| Tier 1 risk-based capital ratio | 20.1043% | 1,645 |
| Total risk-based capital ratio | 21.2934% | 1,638 |
| Memoranda: | ||
| Average total assets | $87,626,400 | 5,150 |
| Average earning assets | $77,780,600 | 5,192 |
| Average equity | $10,539,000 | 4,861 |
| Average total loans | $37,798,400 | 5,596 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0246% | 5,444 |
| Cost of funding earning assets | 0.8378% | 2,645 |
| Net interest margin | 3.1869% | 5,727 |
| Noninterest income to average assets | 0.4628% | 4,192 |
| Noninterest expense to average assets | 1.7220% | 6,767 |
| Loan and lease loss provision to assets | 0.1538% | 3,606 |
| Net operating income to assets | 1.2440% | 1,592 |
| Return on assets (ROA) | 1.2638% | 1,693 |
| Pretax return on assets | 1.4760% | 1,977 |
| Return on Equity (ROE) | 10.4108% | 2,173 |
| Retained earnings to average equity (ytd only) | 2.8117% | 4,863 |
| Net charge-offs to loans | 0.3136% | 2,874 |
| Credit loss provision to net charge-offs | 112.3596% | 2,604 |
| Earnings coverage of net charge-offs (x) | 11.7420% | 2,054 |
| Efficiency ratio | 51.7321% | 6,474 |
| Assets per employee ($millions) | 7.9306% | 496 |
| Cash dividends to net income (ytd only)* | 72.9929% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 3,483 |
| Loan loss allowance to noncurrent loans | 35.0877% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 1.8948% | 2,794 |
| Noncurrent loans to loans | 4.5852% | 1,023 |
| Net loans and leases to total assets | 40.6605% | 6,227 |
| Net loans and leases to deposits | 51.0970% | 6,033 |
| Net loans and leases to core deposits | 51.6415% | 6,204 |
| Total domestic deposits to total assets | 79.5752% | 5,757 |
| Equity capital to assets | 12.2345% | 2,082 |
| Core capital (leverage) ratio | 11.2661% | 2,165 |
| Tier 1 risk-based capital ratio | 20.3613% | 1,670 |
| Total risk-based capital ratio | 21.5766% | 1,651 |
| Memoranda: | ||
| Average total assets | $86,718,000 | 5,217 |
| Average earning assets | $77,984,500 | 5,242 |
| Average equity | $10,527,250 | 4,908 |
| Average total loans | $37,833,250 | 5,659 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1850% | 5,006 |
| Cost of funding earning assets | 0.8401% | 2,876 |
| Net interest margin | 3.3449% | 5,288 |
| Noninterest income to average assets | 0.4553% | 4,252 |
| Noninterest expense to average assets | 1.6754% | 6,859 |
| Loan and lease loss provision to assets | 0.2311% | 2,764 |
| Net operating income to assets | 1.3228% | 1,382 |
| Return on assets (ROA) | 1.3519% | 1,459 |
| Pretax return on assets | 1.6015% | 1,542 |
| Return on Equity (ROE) | 11.1655% | 1,930 |
| Retained earnings to average equity (ytd only) | 3.5310% | 4,246 |
| Net charge-offs to loans | 0.3956% | 2,438 |
| Credit loss provision to net charge-offs | 131.5789% | 2,086 |
| Earnings coverage of net charge-offs (x) | 10.2368% | 2,079 |
| Efficiency ratio | 48.2369% | 6,765 |
| Assets per employee ($millions) | 7.8189% | 511 |
| Cash dividends to net income (ytd only)* | 68.3761% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 3,478 |
| Loan loss allowance to noncurrent loans | 26.5087% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 2.6300% | 2,106 |
| Noncurrent loans to loans | 6.1710% | 702 |
| Net loans and leases to total assets | 41.4578% | 6,236 |
| Net loans and leases to deposits | 51.8127% | 6,037 |
| Net loans and leases to core deposits | 52.2546% | 6,215 |
| Total domestic deposits to total assets | 80.0146% | 5,737 |
| Equity capital to assets | 12.2675% | 1,954 |
| Core capital (leverage) ratio | 10.9890% | 2,303 |
| Tier 1 risk-based capital ratio | 20.3802% | 1,613 |
| Total risk-based capital ratio | 21.6287% | 1,587 |
| Memoranda: | ||
| Average total assets | $86,545,000 | 5,262 |
| Average earning assets | $78,089,330 | 5,267 |
| Average equity | $10,478,670 | 4,916 |
| Average total loans | $38,427,330 | 5,670 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 5,725 |
| Cost of funding earning assets | 0.8376% | 3,170 |
| Net interest margin | 3.1726% | 5,837 |
| Noninterest income to average assets | 0.5207% | 3,776 |
| Noninterest expense to average assets | 1.7693% | 6,827 |
| Loan and lease loss provision to assets | 0.2073% | 2,880 |
| Net operating income to assets | 1.2579% | 1,582 |
| Return on assets (ROA) | 1.2579% | 1,750 |
| Pretax return on assets | 1.4237% | 2,108 |
| Return on Equity (ROE) | 10.4573% | 2,252 |
| Retained earnings to average equity (ytd only) | 2.7963% | 4,859 |
| Net charge-offs to loans | 0.4150% | 2,061 |
| Credit loss provision to net charge-offs | 109.7561% | 2,135 |
| Earnings coverage of net charge-offs (x) | 8.6341% | 1,936 |
| Efficiency ratio | 52.0325% | 6,538 |
| Assets per employee ($millions) | 7.4074% | 621 |
| Cash dividends to net income (ytd only)* | 73.2601% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 4,188 |
| Loan loss allowance to noncurrent loans | 24.7945% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 2.6842% | 2,197 |
| Noncurrent loans to loans | 6.0229% | 834 |
| Net loans and leases to total assets | 42.5216% | 6,145 |
| Net loans and leases to deposits | 53.5156% | 5,860 |
| Net loans and leases to core deposits | 53.7661% | 6,072 |
| Total domestic deposits to total assets | 79.4564% | 5,983 |
| Equity capital to assets | 11.7720% | 2,201 |
| Core capital (leverage) ratio | 10.9180% | 2,325 |
| Tier 1 risk-based capital ratio | 18.9383% | 2,008 |
| Total risk-based capital ratio | 20.0724% | 2,012 |
| Memoranda: | ||
| Average total assets | $86,813,500 | 5,297 |
| Average earning assets | $78,799,500 | 5,274 |
| Average equity | $10,442,500 | 4,931 |
| Average total loans | $39,516,000 | 5,663 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 5,848 |
| Cost of funding earning assets | 0.9325% | 3,852 |
| Net interest margin | 3.3397% | 5,683 |
| Noninterest income to average assets | 0.5742% | 3,340 |
| Noninterest expense to average assets | 1.8916% | 6,842 |
| Loan and lease loss provision to assets | 0.5474% | 1,905 |
| Net operating income to assets | 1.1105% | 1,794 |
| Return on assets (ROA) | 1.1702% | 1,711 |
| Pretax return on assets | 1.2809% | 2,201 |
| Return on Equity (ROE) | 9.5918% | 2,213 |
| Retained earnings to average equity (ytd only) | 2.6123% | 4,365 |
| Net charge-offs to loans | 1.2272% | 1,365 |
| Credit loss provision to net charge-offs | 97.4026% | 3,697 |
| Earnings coverage of net charge-offs (x) | 3.1364% | 3,645 |
| Efficiency ratio | 51.7643% | 6,719 |
| Assets per employee ($millions) | 7.0615% | 706 |
| Cash dividends to net income (ytd only)* | 72.7651% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 4,462 |
| Loan loss allowance to noncurrent loans | 31.2123% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 2.1513% | 2,787 |
| Noncurrent loans to loans | 4.4833% | 1,332 |
| Net loans and leases to total assets | 47.3141% | 5,895 |
| Net loans and leases to deposits | 61.8853% | 5,258 |
| Net loans and leases to core deposits | 62.4901% | 5,600 |
| Total domestic deposits to total assets | 76.4545% | 6,419 |
| Equity capital to assets | 12.2979% | 1,912 |
| Core capital (leverage) ratio | 11.2683% | 2,068 |
| Tier 1 risk-based capital ratio | 18.2463% | 2,121 |
| Total risk-based capital ratio | 19.3378% | 2,141 |
| Memoranda: | ||
| Average total assets | $82,204,800 | 5,396 |
| Average earning assets | $75,815,400 | 5,348 |
| Average equity | $10,029,400 | 5,006 |
| Average total loans | $37,647,200 | 5,802 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 5,835 |
| Cost of funding earning assets | 0.9521% | 4,028 |
| Net interest margin | 3.3814% | 5,632 |
| Noninterest income to average assets | 0.5459% | 3,539 |
| Noninterest expense to average assets | 1.8486% | 6,923 |
| Loan and lease loss provision to assets | 0.5312% | 1,859 |
| Net operating income to assets | 1.1499% | 1,814 |
| Return on assets (ROA) | 1.1867% | 1,806 |
| Pretax return on assets | 1.3125% | 2,248 |
| Return on Equity (ROE) | 9.7466% | 2,300 |
| Retained earnings to average equity (ytd only) | 2.3628% | 4,936 |
| Net charge-offs to loans | 1.0191% | 1,574 |
| Credit loss provision to net charge-offs | 115.2482% | 2,837 |
| Earnings coverage of net charge-offs (x) | 3.9114% | 3,247 |
| Efficiency ratio | 50.6267% | 6,795 |
| Assets per employee ($millions) | 6.7570% | 830 |
| Cash dividends to net income (ytd only)* | 75.7578% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7371% | 3,144 |
| Loan loss allowance to noncurrent loans | 31.3253% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 2.4567% | 2,622 |
| Noncurrent loans to loans | 5.5455% | 1,065 |
| Net loans and leases to total assets | 43.5314% | 6,379 |
| Net loans and leases to deposits | 56.6465% | 5,965 |
| Net loans and leases to core deposits | 56.9463% | 6,227 |
| Total domestic deposits to total assets | 76.8475% | 6,400 |
| Equity capital to assets | 12.7917% | 1,724 |
| Core capital (leverage) ratio | 11.5597% | 1,981 |
| Tier 1 risk-based capital ratio | 19.6286% | 1,778 |
| Total risk-based capital ratio | 20.8888% | 1,748 |
| Memoranda: | ||
| Average total assets | $81,571,500 | 5,454 |
| Average earning assets | $74,917,500 | 5,424 |
| Average equity | $9,931,500 | 5,050 |
| Average total loans | $36,893,500 | 5,878 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 5,900 |
| Cost of funding earning assets | 0.9690% | 4,177 |
| Net interest margin | 3.3635% | 5,668 |
| Noninterest income to average assets | 0.5065% | 3,811 |
| Noninterest expense to average assets | 1.7863% | 7,098 |
| Loan and lease loss provision to assets | 0.4894% | 2,012 |
| Net operating income to assets | 1.1650% | 1,681 |
| Return on assets (ROA) | 1.2064% | 1,636 |
| Pretax return on assets | 1.3605% | 1,917 |
| Return on Equity (ROE) | 10.0770% | 2,094 |
| Retained earnings to average equity (ytd only) | 2.9229% | 4,424 |
| Net charge-offs to loans | 0.7470% | 2,008 |
| Credit loss provision to net charge-offs | 143.8849% | 2,125 |
| Earnings coverage of net charge-offs (x) | 5.3022% | 2,643 |
| Efficiency ratio | 49.7614% | 6,953 |
| Assets per employee ($millions) | 6.9013% | 768 |
| Cash dividends to net income (ytd only)* | 70.9939% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7837% | 3,050 |
| Loan loss allowance to noncurrent loans | 29.4360% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 2.7000% | 2,479 |
| Noncurrent loans to loans | 6.0597% | 975 |
| Net loans and leases to total assets | 42.6850% | 6,544 |
| Net loans and leases to deposits | 56.0906% | 6,128 |
| Net loans and leases to core deposits | 56.3832% | 6,388 |
| Total domestic deposits to total assets | 76.1000% | 6,586 |
| Equity capital to assets | 12.1679% | 1,985 |
| Core capital (leverage) ratio | 11.3362% | 2,024 |
| Tier 1 risk-based capital ratio | 19.3838% | 1,743 |
| Total risk-based capital ratio | 20.6534% | 1,708 |
| Memoranda: | ||
| Average total assets | $81,734,000 | 5,491 |
| Average earning assets | $74,921,330 | 5,466 |
| Average equity | $9,784,670 | 5,101 |
| Average total loans | $37,217,670 | 5,928 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 5,529 |
| Cost of funding earning assets | 1.0082% | 4,147 |
| Net interest margin | 3.4374% | 5,279 |
| Noninterest income to average assets | 0.5419% | 3,567 |
| Noninterest expense to average assets | 1.8327% | 7,098 |
| Loan and lease loss provision to assets | 0.4927% | 1,777 |
| Net operating income to assets | 1.2119% | 1,497 |
| Return on assets (ROA) | 1.2119% | 1,550 |
| Pretax return on assets | 1.3745% | 1,797 |
| Return on Equity (ROE) | 10.2091% | 2,029 |
| Retained earnings to average equity (ytd only) | 1.9090% | 4,979 |
| Net charge-offs to loans | 0.6767% | 1,859 |
| Credit loss provision to net charge-offs | 156.2500% | 1,836 |
| Earnings coverage of net charge-offs (x) | 5.9219% | 2,184 |
| Efficiency ratio | 49.5340% | 7,024 |
| Assets per employee ($millions) | 6.7786% | 817 |
| Cash dividends to net income (ytd only)* | 81.3008% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6996% | 3,340 |
| Loan loss allowance to noncurrent loans | 32.7321% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 2.4218% | 2,808 |
| Noncurrent loans to loans | 5.1924% | 1,288 |
| Net loans and leases to total assets | 43.8710% | 6,479 |
| Net loans and leases to deposits | 54.5666% | 6,248 |
| Net loans and leases to core deposits | 54.8391% | 6,497 |
| Total domestic deposits to total assets | 80.3991% | 5,841 |
| Equity capital to assets | 11.9088% | 1,975 |
| Core capital (leverage) ratio | 11.3087% | 1,950 |
| Tier 1 risk-based capital ratio | 19.2127% | 1,748 |
| Total risk-based capital ratio | 20.4821% | 1,715 |
| Memoranda: | ||
| Average total assets | $81,193,000 | 5,557 |
| Average earning assets | $74,592,000 | 5,523 |
| Average equity | $9,638,500 | 5,139 |
| Average total loans | $37,830,500 | 5,951 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 6,165 |
| Cost of funding earning assets | 1.1885% | 4,629 |
| Net interest margin | 3.3936% | 5,658 |
| Noninterest income to average assets | 0.6391% | 3,216 |
| Noninterest expense to average assets | 1.9096% | 7,143 |
| Loan and lease loss provision to assets | 0.6028% | 2,721 |
| Net operating income to assets | 1.1196% | 1,641 |
| Return on assets (ROA) | 1.2199% | 1,441 |
| Pretax return on assets | 1.3625% | 1,762 |
| Return on Equity (ROE) | 9.6185% | 2,070 |
| Retained earnings to average equity (ytd only) | 1.4412% | 4,812 |
| Net charge-offs to loans | 0.9091% | 2,371 |
| Credit loss provision to net charge-offs | 135.1744% | 2,880 |
| Earnings coverage of net charge-offs (x) | 4.1570% | 3,036 |
| Efficiency ratio | 50.7406% | 7,072 |
| Assets per employee ($millions) | 6.7536% | 837 |
| Cash dividends to net income (ytd only)* | 85.0159% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 4,142 |
| Loan loss allowance to noncurrent loans | 31.5761% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 2.3753% | 2,893 |
| Noncurrent loans to loans | 4.6750% | 1,493 |
| Net loans and leases to total assets | 47.8474% | 6,405 |
| Net loans and leases to deposits | 62.9211% | 5,755 |
| Net loans and leases to core deposits | 63.2536% | 6,122 |
| Total domestic deposits to total assets | 76.0436% | 6,631 |
| Equity capital to assets | 11.8332% | 2,016 |
| Core capital (leverage) ratio | 11.5453% | 1,809 |
| Tier 1 risk-based capital ratio | 18.2523% | 1,923 |
| Total risk-based capital ratio | 19.4009% | 1,920 |
| Memoranda: | ||
| Average total assets | $77,136,400 | 5,676 |
| Average earning assets | $71,015,600 | 5,634 |
| Average equity | $9,783,200 | 5,190 |
| Average total loans | $37,839,400 | 6,019 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6522% | 6,183 |
| Cost of funding earning assets | 1.2495% | 4,576 |
| Net interest margin | 3.4027% | 5,677 |
| Noninterest income to average assets | 0.5777% | 3,597 |
| Noninterest expense to average assets | 1.9380% | 7,153 |
| Loan and lease loss provision to assets | 0.5690% | 2,656 |
| Net operating income to assets | 1.1065% | 1,865 |
| Return on assets (ROA) | 1.1309% | 1,907 |
| Pretax return on assets | 1.2150% | 2,438 |
| Return on Equity (ROE) | 8.7607% | 2,578 |
| Retained earnings to average equity (ytd only) | -2.0885% | 6,218 |
| Net charge-offs to loans | 1.2386% | 1,648 |
| Credit loss provision to net charge-offs | 93.3908% | 4,643 |
| Earnings coverage of net charge-offs (x) | 2.8850% | 3,689 |
| Efficiency ratio | 52.4396% | 6,942 |
| Assets per employee ($millions) | 6.3341% | 1,055 |
| Cash dividends to net income (ytd only)* | 123.8393% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 5,508 |
| Loan loss allowance to noncurrent loans | 28.0308% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 2.1629% | 3,253 |
| Noncurrent loans to loans | 4.2739% | 1,702 |
| Net loans and leases to total assets | 47.4154% | 6,568 |
| Net loans and leases to deposits | 60.0897% | 6,307 |
| Net loans and leases to core deposits | 60.4140% | 6,578 |
| Total domestic deposits to total assets | 78.9078% | 6,043 |
| Equity capital to assets | 12.7945% | 1,685 |
| Core capital (leverage) ratio | 11.5428% | 1,915 |
| Tier 1 risk-based capital ratio | 19.0060% | 1,749 |
| Total risk-based capital ratio | 19.9353% | 1,795 |
| Memoranda: | ||
| Average total assets | $76,159,750 | 5,766 |
| Average earning assets | $69,785,750 | 5,742 |
| Average equity | $9,831,500 | 5,246 |
| Average total loans | $37,459,750 | 6,121 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 6,497 |
| Cost of funding earning assets | 1.3199% | 4,415 |
| Net interest margin | 3.2667% | 6,117 |
| Noninterest income to average assets | 0.5721% | 3,530 |
| Noninterest expense to average assets | 1.9840% | 7,141 |
| Loan and lease loss provision to assets | 0.4593% | 3,020 |
| Net operating income to assets | 1.0644% | 1,968 |
| Return on assets (ROA) | 1.1022% | 1,913 |
| Pretax return on assets | 1.1495% | 2,590 |
| Return on Equity (ROE) | 8.5132% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.5132% | 1,260 |
| Net charge-offs to loans | 1.0533% | 1,786 |
| Credit loss provision to net charge-offs | 87.9397% | 4,482 |
| Earnings coverage of net charge-offs (x) | 3.0050% | 3,497 |
| Efficiency ratio | 55.8346% | 6,655 |
| Assets per employee ($millions) | 6.4301% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 5,403 |
| Loan loss allowance to noncurrent loans | 30.9659% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 1.9271% | 3,585 |
| Noncurrent loans to loans | 3.9022% | 1,956 |
| Net loans and leases to total assets | 46.1969% | 6,767 |
| Net loans and leases to deposits | 60.3229% | 6,387 |
| Net loans and leases to core deposits | 60.6513% | 6,662 |
| Total domestic deposits to total assets | 76.5827% | 6,587 |
| Equity capital to assets | 13.1167% | 1,524 |
| Core capital (leverage) ratio | 12.6609% | 1,343 |
| Tier 1 risk-based capital ratio | 20.2827% | 1,468 |
| Total risk-based capital ratio | 21.2124% | 1,487 |
| Memoranda: | ||
| Average total assets | $76,210,000 | 5,798 |
| Average earning assets | $69,551,000 | 5,791 |
| Average equity | $9,867,000 | 5,239 |
| Average total loans | $37,787,330 | 6,145 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6253% | 6,486 |
| Cost of funding earning assets | 1.3397% | 4,564 |
| Net interest margin | 3.2856% | 6,024 |
| Noninterest income to average assets | 0.4912% | 4,116 |
| Noninterest expense to average assets | 2.0545% | 7,049 |
| Loan and lease loss provision to assets | 0.2113% | 4,397 |
| Net operating income to assets | 1.1831% | 1,585 |
| Return on assets (ROA) | 1.1831% | 1,664 |
| Pretax return on assets | 1.2306% | 2,262 |
| Return on Equity (ROE) | 9.1992% | 2,428 |
| Retained earnings to average equity (ytd only) | 9.1992% | 1,346 |
| Net charge-offs to loans | 0.1035% | 4,384 |
| Credit loss provision to net charge-offs | 400.0000% | 1,017 |
| Earnings coverage of net charge-offs (x) | 27.3000% | 936 |
| Efficiency ratio | 58.7613% | 6,370 |
| Assets per employee ($millions) | 5.7268% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 4,812 |
| Loan loss allowance to noncurrent loans | 31.8596% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 2.1720% | 3,310 |
| Noncurrent loans to loans | 4.1531% | 1,853 |
| Net loans and leases to total assets | 49.0853% | 6,565 |
| Net loans and leases to deposits | 62.0973% | 6,264 |
| Net loans and leases to core deposits | 62.4346% | 6,566 |
| Total domestic deposits to total assets | 79.0458% | 6,067 |
| Equity capital to assets | 13.2441% | 1,422 |
| Core capital (leverage) ratio | 12.4328% | 1,433 |
| Tier 1 risk-based capital ratio | 19.8656% | 1,548 |
| Total risk-based capital ratio | 20.9106% | 1,557 |
| Memoranda: | ||
| Average total assets | $75,734,500 | 5,886 |
| Average earning assets | $69,271,500 | 5,869 |
| Average equity | $9,740,000 | 5,315 |
| Average total loans | $38,640,000 | 6,183 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8227% | 6,900 |
| Cost of funding earning assets | 1.4621% | 5,672 |
| Net interest margin | 3.3606% | 5,522 |
| Noninterest income to average assets | 0.6963% | 3,002 |
| Noninterest expense to average assets | 1.9226% | 7,467 |
| Loan and lease loss provision to assets | 0.9162% | 2,454 |
| Net operating income to assets | 0.9855% | 1,888 |
| Return on assets (ROA) | 1.0981% | 1,553 |
| Pretax return on assets | 1.0745% | 2,325 |
| Return on Equity (ROE) | 9.1606% | 1,974 |
| Retained earnings to average equity (ytd only) | 8.0687% | 681 |
| Net charge-offs to loans | 1.9125% | 1,294 |
| Credit loss provision to net charge-offs | 97.7654% | 5,698 |
| Earnings coverage of net charge-offs (x) | 2.0042% | 4,219 |
| Efficiency ratio | 50.5854% | 7,504 |
| Assets per employee ($millions) | 5.9247% | 1,300 |
| Cash dividends to net income (ytd only)* | 11.9190% | 3,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 5,676 |
| Loan loss allowance to noncurrent loans | 24.4291% | 6,832 |
| Noncurrent assets plus other real estate owned to assets | 2.5474% | 2,747 |
| Noncurrent loans to loans | 4.6786% | 1,504 |
| Net loans and leases to total assets | 51.6573% | 6,459 |
| Net loans and leases to deposits | 66.6851% | 5,980 |
| Net loans and leases to core deposits | 70.7815% | 6,725 |
| Total domestic deposits to total assets | 77.4646% | 6,354 |
| Equity capital to assets | 12.4901% | 1,755 |
| Core capital (leverage) ratio | 11.8660% | 1,728 |
| Tier 1 risk-based capital ratio | 18.3242% | 1,802 |
| Total risk-based capital ratio | 19.2514% | 1,858 |
| Memoranda: | ||
| Average total assets | $76,406,600 | 5,830 |
| Average earning assets | $70,583,600 | 5,794 |
| Average equity | $9,158,800 | 5,560 |
| Average total loans | $37,438,400 | 6,229 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 7,034 |
| Cost of funding earning assets | 1.4886% | 5,867 |
| Net interest margin | 3.3474% | 5,453 |
| Noninterest income to average assets | 0.6242% | 3,534 |
| Noninterest expense to average assets | 1.8989% | 7,546 |
| Loan and lease loss provision to assets | 1.1365% | 1,716 |
| Net operating income to assets | 0.9022% | 2,416 |
| Return on assets (ROA) | 0.9267% | 2,388 |
| Pretax return on assets | 0.7116% | 3,815 |
| Return on Equity (ROE) | 7.8139% | 2,718 |
| Retained earnings to average equity (ytd only) | 6.3396% | 1,798 |
| Net charge-offs to loans | 1.8800% | 1,072 |
| Credit loss provision to net charge-offs | 125.4826% | 4,012 |
| Earnings coverage of net charge-offs (x) | 2.0135% | 4,308 |
| Efficiency ratio | 51.0099% | 7,483 |
| Assets per employee ($millions) | 5.8515% | 1,321 |
| Cash dividends to net income (ytd only)* | 18.8679% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 2,709 |
| Loan loss allowance to noncurrent loans | 33.5356% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 2.6975% | 2,581 |
| Noncurrent loans to loans | 5.0015% | 1,325 |
| Net loans and leases to total assets | 46.8529% | 7,051 |
| Net loans and leases to deposits | 61.7438% | 6,701 |
| Net loans and leases to core deposits | 65.6553% | 7,173 |
| Total domestic deposits to total assets | 75.8827% | 6,604 |
| Equity capital to assets | 12.4885% | 1,966 |
| Core capital (leverage) ratio | 11.3648% | 2,144 |
| Tier 1 risk-based capital ratio | 18.4752% | 1,868 |
| Total risk-based capital ratio | 19.7459% | 1,813 |
| Memoranda: | ||
| Average total assets | $76,253,000 | 5,871 |
| Average earning assets | $70,579,500 | 5,826 |
| Average equity | $9,043,500 | 5,650 |
| Average total loans | $36,736,250 | 6,304 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7798% | 7,264 |
| Cost of funding earning assets | 1.4875% | 6,190 |
| Net interest margin | 3.2923% | 5,582 |
| Noninterest income to average assets | 0.6395% | 3,423 |
| Noninterest expense to average assets | 1.8293% | 7,711 |
| Loan and lease loss provision to assets | 0.9173% | 1,841 |
| Net operating income to assets | 1.0640% | 1,898 |
| Return on assets (ROA) | 1.1007% | 1,849 |
| Pretax return on assets | 0.9749% | 3,097 |
| Return on Equity (ROE) | 9.4474% | 2,204 |
| Retained earnings to average equity (ytd only) | 7.1980% | 1,508 |
| Net charge-offs to loans | 0.4770% | 2,925 |
| Credit loss provision to net charge-offs | 397.7273% | 1,174 |
| Earnings coverage of net charge-offs (x) | 8.0455% | 2,323 |
| Efficiency ratio | 49.6444% | 7,689 |
| Assets per employee ($millions) | 5.8595% | 1,304 |
| Cash dividends to net income (ytd only)* | 23.8095% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0421% | 1,492 |
| Loan loss allowance to noncurrent loans | 24.9915% | 6,845 |
| Noncurrent assets plus other real estate owned to assets | 3.9607% | 1,511 |
| Noncurrent loans to loans | 8.1712% | 532 |
| Net loans and leases to total assets | 46.4745% | 7,163 |
| Net loans and leases to deposits | 59.4296% | 6,935 |
| Net loans and leases to core deposits | 62.8636% | 7,342 |
| Total domestic deposits to total assets | 78.2009% | 6,023 |
| Equity capital to assets | 11.8559% | 2,288 |
| Core capital (leverage) ratio | 11.3245% | 2,181 |
| Tier 1 risk-based capital ratio | 18.3931% | 1,899 |
| Total risk-based capital ratio | 19.6679% | 1,851 |
| Memoranda: | ||
| Average total assets | $76,314,000 | 5,909 |
| Average earning assets | $70,588,000 | 5,865 |
| Average equity | $8,891,330 | 5,722 |
| Average total loans | $36,898,670 | 6,347 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7150% | 7,486 |
| Cost of funding earning assets | 1.4830% | 6,457 |
| Net interest margin | 3.2320% | 5,752 |
| Noninterest income to average assets | 0.5813% | 3,676 |
| Noninterest expense to average assets | 1.6967% | 7,825 |
| Loan and lease loss provision to assets | 0.5237% | 2,375 |
| Net operating income to assets | 1.1992% | 1,653 |
| Return on assets (ROA) | 1.1992% | 1,767 |
| Pretax return on assets | 1.3511% | 2,117 |
| Return on Equity (ROE) | 10.3837% | 2,174 |
| Retained earnings to average equity (ytd only) | 10.3837% | 1,099 |
| Net charge-offs to loans | 0.4185% | 2,435 |
| Credit loss provision to net charge-offs | 256.4103% | 1,836 |
| Earnings coverage of net charge-offs (x) | 9.1795% | 2,093 |
| Efficiency ratio | 47.5073% | 7,755 |
| Assets per employee ($millions) | 5.7318% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 2,743 |
| Loan loss allowance to noncurrent loans | 25.1404% | 6,891 |
| Noncurrent assets plus other real estate owned to assets | 2.9592% | 1,909 |
| Noncurrent loans to loans | 6.1400% | 765 |
| Net loans and leases to total assets | 45.9659% | 7,195 |
| Net loans and leases to deposits | 58.6460% | 6,995 |
| Net loans and leases to core deposits | 61.9928% | 7,391 |
| Total domestic deposits to total assets | 78.3786% | 5,897 |
| Equity capital to assets | 12.0367% | 2,237 |
| Core capital (leverage) ratio | 11.2057% | 2,336 |
| Tier 1 risk-based capital ratio | 19.0948% | 1,793 |
| Total risk-based capital ratio | 20.2897% | 1,767 |
| Memoranda: | ||
| Average total assets | $76,384,500 | 5,934 |
| Average earning assets | $70,668,000 | 5,891 |
| Average equity | $8,821,500 | 5,767 |
| Average total loans | $37,278,500 | 6,366 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4911% | 7,323 |
| Cost of funding earning assets | 2.1599% | 5,778 |
| Net interest margin | 3.3312% | 5,927 |
| Noninterest income to average assets | 0.6380% | 3,571 |
| Noninterest expense to average assets | 1.8973% | 7,617 |
| Loan and lease loss provision to assets | 0.7297% | 2,031 |
| Net operating income to assets | 0.9684% | 2,703 |
| Return on assets (ROA) | 1.1690% | 1,806 |
| Pretax return on assets | 1.3302% | 2,204 |
| Return on Equity (ROE) | 9.7010% | 2,362 |
| Retained earnings to average equity (ytd only) | -0.1038% | 5,300 |
| Net charge-offs to loans | 0.9762% | 1,267 |
| Credit loss provision to net charge-offs | 148.7252% | 3,548 |
| Earnings coverage of net charge-offs (x) | 3.7337% | 4,239 |
| Efficiency ratio | 50.8759% | 7,596 |
| Assets per employee ($millions) | 6.0196% | 1,123 |
| Cash dividends to net income (ytd only)* | 101.0702% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 4,557 |
| Loan loss allowance to noncurrent loans | 30.8490% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 2.0216% | 2,435 |
| Noncurrent loans to loans | 3.8799% | 1,273 |
| Net loans and leases to total assets | 50.2115% | 7,014 |
| Net loans and leases to deposits | 64.5884% | 6,745 |
| Net loans and leases to core deposits | 68.1969% | 7,275 |
| Total domestic deposits to total assets | 77.7407% | 5,797 |
| Equity capital to assets | 11.0843% | 2,969 |
| Core capital (leverage) ratio | 11.4692% | 2,272 |
| Tier 1 risk-based capital ratio | 16.9137% | 2,338 |
| Total risk-based capital ratio | 17.8775% | 2,372 |
| Memoranda: | ||
| Average total assets | $71,944,800 | 5,968 |
| Average earning assets | $66,762,200 | 5,940 |
| Average equity | $8,669,200 | 5,854 |
| Average total loans | $36,161,600 | 6,358 |