Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 3,347 |
| Cost of funding earning assets | 1.5330% | 1,857 |
| Net interest margin | 2.8258% | 3,612 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.7677% | 4,042 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.9781% | 2,281 |
| Return on assets (ROA) | 0.9069% | 2,499 |
| Pretax return on assets | 0.9539% | 2,804 |
| Return on Equity (ROE) | 9.3700% | 2,670 |
| Retained earnings to average equity (ytd only) | 6.2318% | 2,163 |
| Net charge-offs to loans | 0.1348% | 740 |
| Credit loss provision to net charge-offs | 117.9577% | 1,694 |
| Earnings coverage of net charge-offs (x) | 12.8204% | 2,128 |
| Efficiency ratio | 60.9377% | 2,979 |
| Assets per employee ($millions) | 7.6840% | 1,599 |
| Cash dividends to net income (ytd only)* | 33.4935% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 2,660 |
| Loan loss allowance to noncurrent loans | 1,419.3370% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 3,222 |
| Noncurrent loans to loans | 0.0796% | 3,151 |
| Net loans and leases to total assets | 68.0300% | 2,031 |
| Net loans and leases to deposits | 87.9709% | 1,437 |
| Net loans and leases to core deposits | 95.0465% | 1,706 |
| Total domestic deposits to total assets | 77.3300% | 3,807 |
| Equity capital to assets | 9.9339% | 2,045 |
| Core capital (leverage) ratio | 10.0894% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7532% | 1,609 |
| Memoranda: | ||
| Average total assets | $321,318,200 | 2,309 |
| Average earning assets | $305,157,600 | 2,275 |
| Average equity | $31,098,800 | 2,216 |
| Average total loans | $210,741,200 | 2,227 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 3,408 |
| Cost of funding earning assets | 1.4275% | 1,792 |
| Net interest margin | 2.8087% | 3,712 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.8120% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9747% | 2,435 |
| Return on assets (ROA) | 0.9775% | 2,425 |
| Pretax return on assets | 1.0280% | 2,773 |
| Return on Equity (ROE) | 10.1700% | 2,595 |
| Retained earnings to average equity (ytd only) | 7.7126% | 2,071 |
| Net charge-offs to loans | -0.0168% | 4,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.8680% | 2,504 |
| Assets per employee ($millions) | 7.6765% | 1,517 |
| Cash dividends to net income (ytd only)* | 24.1556% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 2,448 |
| Loan loss allowance to noncurrent loans | 659.0674% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 2,767 |
| Noncurrent loans to loans | 0.1796% | 2,644 |
| Net loans and leases to total assets | 65.8700% | 2,254 |
| Net loans and leases to deposits | 84.4083% | 1,706 |
| Net loans and leases to core deposits | 91.8334% | 1,808 |
| Total domestic deposits to total assets | 78.0400% | 3,811 |
| Equity capital to assets | 9.4444% | 2,131 |
| Core capital (leverage) ratio | 10.2377% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3416% | 1,461 |
| Memoranda: | ||
| Average total assets | $319,044,500 | 2,325 |
| Average earning assets | $303,189,750 | 2,285 |
| Average equity | $30,667,750 | 2,220 |
| Average total loans | $206,588,250 | 2,243 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 3,493 |
| Cost of funding earning assets | 1.3351% | 1,621 |
| Net interest margin | 2.7642% | 3,880 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.7432% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0029% | 2,406 |
| Return on assets (ROA) | 1.0047% | 2,399 |
| Pretax return on assets | 1.0569% | 2,758 |
| Return on Equity (ROE) | 10.3900% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.2497% | 1,891 |
| Net charge-offs to loans | -0.0245% | 4,176 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.2977% | 2,676 |
| Assets per employee ($millions) | 7.6762% | 1,485 |
| Cash dividends to net income (ytd only)* | 20.6011% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 2,419 |
| Loan loss allowance to noncurrent loans | 542.2175% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 2,529 |
| Noncurrent loans to loans | 0.2219% | 2,377 |
| Net loans and leases to total assets | 64.7500% | 2,304 |
| Net loans and leases to deposits | 81.3469% | 1,883 |
| Net loans and leases to core deposits | 87.7880% | 1,939 |
| Total domestic deposits to total assets | 79.6000% | 3,628 |
| Equity capital to assets | 9.7006% | 2,031 |
| Core capital (leverage) ratio | 10.1801% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3722% | 1,464 |
| Memoranda: | ||
| Average total assets | $317,921,333 | 2,341 |
| Average earning assets | $301,854,667 | 2,299 |
| Average equity | $30,740,333 | 2,234 |
| Average total loans | $203,808,667 | 2,263 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 3,537 |
| Cost of funding earning assets | 1.2131% | 1,421 |
| Net interest margin | 2.7448% | 4,018 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.8031% | 4,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9214% | 2,784 |
| Return on assets (ROA) | 0.9250% | 2,730 |
| Pretax return on assets | 0.9731% | 3,074 |
| Return on Equity (ROE) | 9.5800% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.4928% | 2,082 |
| Net charge-offs to loans | -0.0440% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.0366% | 2,320 |
| Assets per employee ($millions) | 7.4271% | 1,664 |
| Cash dividends to net income (ytd only)* | 11.3699% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 2,187 |
| Loan loss allowance to noncurrent loans | 597.6471% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 2,557 |
| Noncurrent loans to loans | 0.2123% | 2,410 |
| Net loans and leases to total assets | 63.3700% | 2,309 |
| Net loans and leases to deposits | 80.1543% | 1,807 |
| Net loans and leases to core deposits | 86.7624% | 1,819 |
| Total domestic deposits to total assets | 79.0600% | 3,893 |
| Equity capital to assets | 9.9907% | 1,826 |
| Core capital (leverage) ratio | 10.1442% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3777% | 2,230 |
| Memoranda: | ||
| Average total assets | $315,681,000 | 2,383 |
| Average earning assets | $298,746,000 | 2,351 |
| Average equity | $30,473,000 | 2,274 |
| Average total loans | $200,058,000 | 2,303 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6611% | 2,640 |
| Cost of funding earning assets | 0.4873% | 1,488 |
| Net interest margin | 3.1738% | 2,950 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.7290% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3762% | 1,189 |
| Return on assets (ROA) | 1.3755% | 1,150 |
| Pretax return on assets | 1.4406% | 1,655 |
| Return on Equity (ROE) | 14.5600% | 1,379 |
| Retained earnings to average equity (ytd only) | 9.1517% | 1,438 |
| Net charge-offs to loans | -0.0191% | 4,047 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.5379% | 3,744 |
| Assets per employee ($millions) | 7.6053% | 1,542 |
| Cash dividends to net income (ytd only)* | 37.1278% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,103 |
| Loan loss allowance to noncurrent loans | 756.1562% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 2,805 |
| Noncurrent loans to loans | 0.1666% | 2,651 |
| Net loans and leases to total assets | 61.7900% | 2,461 |
| Net loans and leases to deposits | 79.5549% | 1,807 |
| Net loans and leases to core deposits | 81.5555% | 2,038 |
| Total domestic deposits to total assets | 77.6700% | 4,122 |
| Equity capital to assets | 9.3234% | 2,134 |
| Core capital (leverage) ratio | 9.9761% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2486% | 1,549 |
| Memoranda: | ||
| Average total assets | $302,715,600 | 2,436 |
| Average earning assets | $283,414,800 | 2,426 |
| Average equity | $28,606,600 | 2,401 |
| Average total loans | $188,195,000 | 2,318 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5900% | 2,375 |
| Cost of funding earning assets | 0.3598% | 1,620 |
| Net interest margin | 3.2302% | 2,531 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.7235% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4081% | 1,069 |
| Return on assets (ROA) | 1.4064% | 1,048 |
| Pretax return on assets | 1.4707% | 1,498 |
| Return on Equity (ROE) | 14.8300% | 1,213 |
| Retained earnings to average equity (ytd only) | 10.5249% | 1,189 |
| Net charge-offs to loans | -0.0108% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.9268% | 3,826 |
| Assets per employee ($millions) | 7.4830% | 1,619 |
| Cash dividends to net income (ytd only)* | 29.0251% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 2,054 |
| Loan loss allowance to noncurrent loans | 624.2500% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 2,699 |
| Noncurrent loans to loans | 0.2074% | 2,563 |
| Net loans and leases to total assets | 62.0400% | 2,285 |
| Net loans and leases to deposits | 77.4622% | 1,762 |
| Net loans and leases to core deposits | 79.4370% | 1,941 |
| Total domestic deposits to total assets | 80.0900% | 4,089 |
| Equity capital to assets | 9.0087% | 2,209 |
| Core capital (leverage) ratio | 9.9815% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6853% | 1,507 |
| Memoranda: | ||
| Average total assets | $298,539,000 | 2,475 |
| Average earning assets | $279,769,000 | 2,462 |
| Average equity | $28,313,000 | 2,445 |
| Average total loans | $185,270,500 | 2,342 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4910% | 2,169 |
| Cost of funding earning assets | 0.3181% | 1,544 |
| Net interest margin | 3.1729% | 2,274 |
| Noninterest income to average assets | 0.1799% | 4,105 |
| Noninterest expense to average assets | 1.7695% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3333% | 1,067 |
| Return on assets (ROA) | 1.3307% | 1,047 |
| Pretax return on assets | 1.3821% | 1,489 |
| Return on Equity (ROE) | 13.7923% | 1,166 |
| Retained earnings to average equity (ytd only) | 9.6154% | 1,113 |
| Net charge-offs to loans | -0.0098% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0986% | 3,761 |
| Assets per employee ($millions) | 7.3947% | 1,674 |
| Cash dividends to net income (ytd only)* | 30.2846% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 1,987 |
| Loan loss allowance to noncurrent loans | 489.3910% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 2,529 |
| Noncurrent loans to loans | 0.2745% | 2,377 |
| Net loans and leases to total assets | 60.3330% | 2,288 |
| Net loans and leases to deposits | 74.1693% | 1,854 |
| Net loans and leases to core deposits | 76.2427% | 1,992 |
| Total domestic deposits to total assets | 81.3450% | 4,087 |
| Equity capital to assets | 9.4494% | 2,055 |
| Core capital (leverage) ratio | 9.9316% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6504% | 1,524 |
| Memoranda: | ||
| Average total assets | $295,784,000 | 2,506 |
| Average earning assets | $277,288,333 | 2,496 |
| Average equity | $28,537,667 | 2,491 |
| Average total loans | $182,746,000 | 2,366 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5186% | 1,747 |
| Cost of funding earning assets | 0.3209% | 1,455 |
| Net interest margin | 3.1977% | 1,888 |
| Noninterest income to average assets | 0.1862% | 4,041 |
| Noninterest expense to average assets | 1.8871% | 3,709 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2105% | 1,226 |
| Return on assets (ROA) | 1.2092% | 1,214 |
| Pretax return on assets | 1.2722% | 1,590 |
| Return on Equity (ROE) | 12.4008% | 1,194 |
| Retained earnings to average equity (ytd only) | 8.4966% | 1,426 |
| Net charge-offs to loans | -0.0088% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7054% | 3,517 |
| Assets per employee ($millions) | 7.1437% | 1,893 |
| Cash dividends to net income (ytd only)* | 31.4836% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 2,024 |
| Loan loss allowance to noncurrent loans | 158.3439% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 1,119 |
| Noncurrent loans to loans | 0.8661% | 1,083 |
| Net loans and leases to total assets | 61.0390% | 1,957 |
| Net loans and leases to deposits | 76.1385% | 1,431 |
| Net loans and leases to core deposits | 78.3584% | 1,585 |
| Total domestic deposits to total assets | 80.1683% | 4,276 |
| Equity capital to assets | 9.3837% | 2,377 |
| Core capital (leverage) ratio | 10.0670% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4077% | 1,672 |
| Memoranda: | ||
| Average total assets | $292,084,000 | 2,536 |
| Average earning assets | $271,696,500 | 2,542 |
| Average equity | $28,482,000 | 2,571 |
| Average total loans | $181,413,500 | 2,369 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0031% | 1,354 |
| Cost of funding earning assets | 0.3965% | 1,568 |
| Net interest margin | 3.6065% | 1,445 |
| Noninterest income to average assets | 0.2931% | 3,648 |
| Noninterest expense to average assets | 2.2960% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2575% | 1,722 |
| Return on assets (ROA) | 1.2611% | 1,765 |
| Pretax return on assets | 1.3265% | 2,278 |
| Return on Equity (ROE) | 11.6335% | 1,936 |
| Retained earnings to average equity (ytd only) | 5.7736% | 2,453 |
| Net charge-offs to loans | -0.0346% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4466% | 2,650 |
| Assets per employee ($millions) | 7.4687% | 1,638 |
| Cash dividends to net income (ytd only)* | 50.3706% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 2,065 |
| Loan loss allowance to noncurrent loans | 158.7972% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 1,241 |
| Noncurrent loans to loans | 0.8609% | 1,185 |
| Net loans and leases to total assets | 61.4815% | 2,003 |
| Net loans and leases to deposits | 75.5643% | 1,600 |
| Net loans and leases to core deposits | 78.3862% | 1,730 |
| Total domestic deposits to total assets | 81.3632% | 4,058 |
| Equity capital to assets | 10.1209% | 2,540 |
| Core capital (leverage) ratio | 10.1740% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1227% | 1,806 |
| Memoranda: | ||
| Average total assets | $267,465,800 | 2,619 |
| Average earning assets | $246,636,000 | 2,640 |
| Average equity | $28,993,800 | 2,597 |
| Average total loans | $167,749,000 | 2,485 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 1,489 |
| Cost of funding earning assets | 0.4129% | 1,602 |
| Net interest margin | 3.6095% | 1,579 |
| Noninterest income to average assets | 0.2539% | 3,874 |
| Noninterest expense to average assets | 2.5563% | 1,966 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9806% | 2,984 |
| Return on assets (ROA) | 0.9840% | 3,053 |
| Pretax return on assets | 1.0350% | 3,362 |
| Return on Equity (ROE) | 8.9126% | 3,136 |
| Retained earnings to average equity (ytd only) | 2.1935% | 4,140 |
| Net charge-offs to loans | -0.0471% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2520% | 1,467 |
| Assets per employee ($millions) | 6.8781% | 1,954 |
| Cash dividends to net income (ytd only)* | 75.3886% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 1,863 |
| Loan loss allowance to noncurrent loans | 151.9902% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 1,255 |
| Noncurrent loans to loans | 0.9454% | 1,216 |
| Net loans and leases to total assets | 63.4682% | 1,840 |
| Net loans and leases to deposits | 78.0664% | 1,475 |
| Net loans and leases to core deposits | 80.9539% | 1,655 |
| Total domestic deposits to total assets | 81.3004% | 4,050 |
| Equity capital to assets | 10.7304% | 2,235 |
| Core capital (leverage) ratio | 10.1315% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2803% | 1,869 |
| Memoranda: | ||
| Average total assets | $261,512,750 | 2,683 |
| Average earning assets | $241,545,000 | 2,688 |
| Average equity | $28,872,250 | 2,633 |
| Average total loans | $164,295,250 | 2,551 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 1,610 |
| Cost of funding earning assets | 0.4354% | 1,614 |
| Net interest margin | 3.5471% | 1,726 |
| Noninterest income to average assets | 0.2522% | 3,886 |
| Noninterest expense to average assets | 1.7627% | 4,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6757% | 910 |
| Return on assets (ROA) | 1.6793% | 952 |
| Pretax return on assets | 1.7673% | 1,310 |
| Return on Equity (ROE) | 15.0649% | 1,138 |
| Retained earnings to average equity (ytd only) | 7.2868% | 2,324 |
| Net charge-offs to loans | -0.0656% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9891% | 4,240 |
| Assets per employee ($millions) | 7.1965% | 1,663 |
| Cash dividends to net income (ytd only)* | 51.6307% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 1,534 |
| Loan loss allowance to noncurrent loans | 746.0843% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 3,424 |
| Noncurrent loans to loans | 0.2034% | 3,231 |
| Net loans and leases to total assets | 58.7787% | 2,571 |
| Net loans and leases to deposits | 73.8526% | 2,015 |
| Net loans and leases to core deposits | 76.3499% | 2,203 |
| Total domestic deposits to total assets | 79.5892% | 4,283 |
| Equity capital to assets | 10.7413% | 2,195 |
| Core capital (leverage) ratio | 10.3950% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4740% | 1,476 |
| Memoranda: | ||
| Average total assets | $259,268,333 | 2,689 |
| Average earning assets | $239,297,333 | 2,694 |
| Average equity | $28,901,667 | 2,628 |
| Average total loans | $161,482,667 | 2,587 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 1,823 |
| Cost of funding earning assets | 0.4807% | 1,514 |
| Net interest margin | 3.4221% | 2,051 |
| Noninterest income to average assets | 0.2570% | 3,858 |
| Noninterest expense to average assets | 1.8416% | 4,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4772% | 1,382 |
| Return on assets (ROA) | 1.4847% | 1,426 |
| Pretax return on assets | 1.5624% | 1,825 |
| Return on Equity (ROE) | 13.0610% | 1,659 |
| Retained earnings to average equity (ytd only) | 1.9815% | 4,011 |
| Net charge-offs to loans | -0.1171% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2270% | 3,757 |
| Assets per employee ($millions) | 7.1127% | 1,721 |
| Cash dividends to net income (ytd only)* | 84.8291% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 1,583 |
| Loan loss allowance to noncurrent loans | 191.1060% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 1,875 |
| Noncurrent loans to loans | 0.7885% | 1,673 |
| Net loans and leases to total assets | 63.0801% | 2,160 |
| Net loans and leases to deposits | 76.8094% | 1,821 |
| Net loans and leases to core deposits | 79.6592% | 2,034 |
| Total domestic deposits to total assets | 82.1255% | 3,870 |
| Equity capital to assets | 11.1401% | 1,761 |
| Core capital (leverage) ratio | 11.0520% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1839% | 1,848 |
| Memoranda: | ||
| Average total assets | $252,168,500 | 2,716 |
| Average earning assets | $231,322,500 | 2,737 |
| Average equity | $28,665,500 | 2,636 |
| Average total loans | $160,615,000 | 2,593 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 789 |
| Cost of funding earning assets | 0.7651% | 1,371 |
| Net interest margin | 3.9930% | 985 |
| Noninterest income to average assets | 0.3456% | 3,396 |
| Noninterest expense to average assets | 2.0011% | 4,140 |
| Loan and lease loss provision to assets | 0.1259% | 2,786 |
| Net operating income to assets | 1.8206% | 369 |
| Return on assets (ROA) | 1.8197% | 401 |
| Pretax return on assets | 1.9144% | 536 |
| Return on Equity (ROE) | 14.0009% | 815 |
| Retained earnings to average equity (ytd only) | 5.8989% | 1,842 |
| Net charge-offs to loans | -0.0090% | 4,238 |
| Credit loss provision to net charge-offs | -1,928.5714% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5039% | 4,563 |
| Assets per employee ($millions) | 7.0937% | 1,519 |
| Cash dividends to net income (ytd only)* | 57.8678% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5416% | 1,453 |
| Loan loss allowance to noncurrent loans | 648.1283% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 3,524 |
| Noncurrent loans to loans | 0.2379% | 3,347 |
| Net loans and leases to total assets | 62.3546% | 2,566 |
| Net loans and leases to deposits | 75.3279% | 2,349 |
| Net loans and leases to core deposits | 78.9863% | 2,457 |
| Total domestic deposits to total assets | 82.7775% | 3,471 |
| Equity capital to assets | 11.6022% | 1,808 |
| Core capital (leverage) ratio | 11.6726% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4813% | 1,686 |
| Memoranda: | ||
| Average total assets | $214,431,800 | 2,834 |
| Average earning assets | $198,523,400 | 2,839 |
| Average equity | $27,869,600 | 2,606 |
| Average total loans | $155,846,600 | 2,607 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0642% | 541 |
| Cost of funding earning assets | 0.8337% | 1,344 |
| Net interest margin | 4.2305% | 688 |
| Noninterest income to average assets | 0.2389% | 4,061 |
| Noninterest expense to average assets | 2.0669% | 4,012 |
| Loan and lease loss provision to assets | 0.1748% | 2,234 |
| Net operating income to assets | 1.8305% | 424 |
| Return on assets (ROA) | 1.8287% | 474 |
| Pretax return on assets | 1.9239% | 602 |
| Return on Equity (ROE) | 13.6295% | 953 |
| Retained earnings to average equity (ytd only) | 6.9233% | 1,733 |
| Net charge-offs to loans | -0.1089% | 4,836 |
| Credit loss provision to net charge-offs | -212.5984% | 3,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5961% | 4,521 |
| Assets per employee ($millions) | 6.8199% | 1,612 |
| Cash dividends to net income (ytd only)* | 49.2035% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 1,022 |
| Loan loss allowance to noncurrent loans | 198.5133% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6342% | 1,836 |
| Noncurrent loans to loans | 0.8204% | 1,781 |
| Net loans and leases to total assets | 70.2160% | 1,914 |
| Net loans and leases to deposits | 86.9914% | 1,590 |
| Net loans and leases to core deposits | 92.1167% | 1,787 |
| Total domestic deposits to total assets | 80.7160% | 3,719 |
| Equity capital to assets | 13.0775% | 1,147 |
| Core capital (leverage) ratio | 12.4441% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0822% | 1,232 |
| Memoranda: | ||
| Average total assets | $205,969,750 | 2,875 |
| Average earning assets | $191,271,000 | 2,879 |
| Average equity | $27,635,500 | 2,611 |
| Average total loans | $155,498,750 | 2,618 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3203% | 465 |
| Cost of funding earning assets | 0.9104% | 1,327 |
| Net interest margin | 4.4099% | 603 |
| Noninterest income to average assets | 0.2368% | 4,058 |
| Noninterest expense to average assets | 2.1230% | 3,979 |
| Loan and lease loss provision to assets | 0.1486% | 2,519 |
| Net operating income to assets | 1.9564% | 363 |
| Return on assets (ROA) | 1.9526% | 407 |
| Pretax return on assets | 2.0547% | 491 |
| Return on Equity (ROE) | 14.4216% | 804 |
| Retained earnings to average equity (ytd only) | 6.5706% | 1,838 |
| Net charge-offs to loans | -0.0888% | 4,823 |
| Credit loss provision to net charge-offs | -217.3913% | 3,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0277% | 4,557 |
| Assets per employee ($millions) | 6.6516% | 1,676 |
| Cash dividends to net income (ytd only)* | 54.4394% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 1,308 |
| Loan loss allowance to noncurrent loans | 416.7845% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3439% | 2,922 |
| Noncurrent loans to loans | 0.3559% | 3,127 |
| Net loans and leases to total assets | 73.6016% | 1,461 |
| Net loans and leases to deposits | 91.2236% | 1,240 |
| Net loans and leases to core deposits | 97.0380% | 1,492 |
| Total domestic deposits to total assets | 80.6826% | 3,686 |
| Equity capital to assets | 13.1435% | 1,102 |
| Core capital (leverage) ratio | 12.7139% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9487% | 1,499 |
| Memoranda: | ||
| Average total assets | $201,880,333 | 2,889 |
| Average earning assets | $187,394,667 | 2,893 |
| Average equity | $27,334,000 | 2,622 |
| Average total loans | $155,406,667 | 2,609 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2648% | 593 |
| Cost of funding earning assets | 0.9917% | 1,456 |
| Net interest margin | 4.2731% | 804 |
| Noninterest income to average assets | 0.2587% | 3,996 |
| Noninterest expense to average assets | 2.2200% | 3,959 |
| Loan and lease loss provision to assets | 0.0611% | 3,007 |
| Net operating income to assets | 1.8575% | 365 |
| Return on assets (ROA) | 1.8575% | 404 |
| Pretax return on assets | 1.9532% | 506 |
| Return on Equity (ROE) | 13.5046% | 790 |
| Retained earnings to average equity (ytd only) | 8.5292% | 1,093 |
| Net charge-offs to loans | 0.0234% | 1,899 |
| Credit loss provision to net charge-offs | 333.3333% | 1,098 |
| Earnings coverage of net charge-offs (x) | 109.8889% | 540 |
| Efficiency ratio | 52.4291% | 4,524 |
| Assets per employee ($millions) | 5.9756% | 1,702 |
| Cash dividends to net income (ytd only)* | 36.8421% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 1,698 |
| Loan loss allowance to noncurrent loans | 329.4207% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 2,872 |
| Noncurrent loans to loans | 0.4253% | 2,969 |
| Net loans and leases to total assets | 77.1314% | 1,111 |
| Net loans and leases to deposits | 97.0007% | 818 |
| Net loans and leases to core deposits | 104.9067% | 1,124 |
| Total domestic deposits to total assets | 79.5163% | 3,952 |
| Equity capital to assets | 13.8700% | 1,106 |
| Core capital (leverage) ratio | 13.3462% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6791% | 1,427 |
| Memoranda: | ||
| Average total assets | $196,395,500 | 2,899 |
| Average earning assets | $182,722,500 | 2,895 |
| Average equity | $27,013,000 | 2,639 |
| Average total loans | $153,600,000 | 2,606 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 770 |
| Cost of funding earning assets | 0.9990% | 1,725 |
| Net interest margin | 4.3357% | 1,022 |
| Noninterest income to average assets | 0.3659% | 3,508 |
| Noninterest expense to average assets | 2.2321% | 4,101 |
| Loan and lease loss provision to assets | 0.1296% | 1,655 |
| Net operating income to assets | 1.9274% | 409 |
| Return on assets (ROA) | 1.9344% | 421 |
| Pretax return on assets | 2.0349% | 557 |
| Return on Equity (ROE) | 14.2260% | 856 |
| Retained earnings to average equity (ytd only) | 5.8685% | 1,936 |
| Net charge-offs to loans | 0.3837% | 507 |
| Credit loss provision to net charge-offs | 42.8322% | 3,181 |
| Earnings coverage of net charge-offs (x) | 7.1311% | 2,902 |
| Efficiency ratio | 50.8554% | 4,682 |
| Assets per employee ($millions) | 6.1123% | 1,552 |
| Cash dividends to net income (ytd only)* | 58.7479% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 1,523 |
| Loan loss allowance to noncurrent loans | 233.3697% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 2,497 |
| Noncurrent loans to loans | 0.5996% | 2,385 |
| Net loans and leases to total assets | 77.0976% | 1,245 |
| Net loans and leases to deposits | 94.8356% | 1,070 |
| Net loans and leases to core deposits | 102.8124% | 1,331 |
| Total domestic deposits to total assets | 81.2960% | 3,703 |
| Equity capital to assets | 13.6379% | 1,235 |
| Core capital (leverage) ratio | 13.1528% | 1,169 |
| Tier 1 risk-based capital ratio | 15.1443% | 2,723 |
| Total risk-based capital ratio | 16.3944% | 2,652 |
| Memoranda: | ||
| Average total assets | $189,100,800 | 2,924 |
| Average earning assets | $175,472,200 | 2,929 |
| Average equity | $25,713,400 | 2,661 |
| Average total loans | $149,074,400 | 2,632 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3512% | 775 |
| Cost of funding earning assets | 0.9828% | 1,838 |
| Net interest margin | 4.3683% | 1,016 |
| Noninterest income to average assets | 0.2795% | 4,075 |
| Noninterest expense to average assets | 2.2623% | 4,045 |
| Loan and lease loss provision to assets | 0.0996% | 1,930 |
| Net operating income to assets | 1.8725% | 533 |
| Return on assets (ROA) | 1.8725% | 554 |
| Pretax return on assets | 1.9700% | 733 |
| Return on Equity (ROE) | 13.7816% | 1,030 |
| Retained earnings to average equity (ytd only) | 5.7419% | 2,481 |
| Net charge-offs to loans | 0.4987% | 342 |
| Credit loss provision to net charge-offs | 25.2708% | 2,938 |
| Earnings coverage of net charge-offs (x) | 5.2527% | 2,934 |
| Efficiency ratio | 52.2246% | 4,579 |
| Assets per employee ($millions) | 5.3172% | 2,199 |
| Cash dividends to net income (ytd only)* | 58.3365% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 1,723 |
| Loan loss allowance to noncurrent loans | 165.5645% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 2,068 |
| Noncurrent loans to loans | 0.8213% | 1,924 |
| Net loans and leases to total assets | 77.7991% | 1,175 |
| Net loans and leases to deposits | 97.6935% | 852 |
| Net loans and leases to core deposits | 108.4362% | 1,024 |
| Total domestic deposits to total assets | 79.6359% | 4,066 |
| Equity capital to assets | 13.7321% | 1,259 |
| Core capital (leverage) ratio | 13.3006% | 1,212 |
| Tier 1 risk-based capital ratio | 15.4192% | 2,666 |
| Total risk-based capital ratio | 16.6692% | 2,603 |
| Memoranda: | ||
| Average total assets | $187,477,250 | 2,962 |
| Average earning assets | $173,914,250 | 2,971 |
| Average equity | $25,473,000 | 2,688 |
| Average total loans | $148,108,250 | 2,666 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2706% | 864 |
| Cost of funding earning assets | 0.9514% | 1,901 |
| Net interest margin | 4.3192% | 1,101 |
| Noninterest income to average assets | 0.2836% | 4,045 |
| Noninterest expense to average assets | 2.2701% | 4,082 |
| Loan and lease loss provision to assets | 0.0376% | 3,062 |
| Net operating income to assets | 1.9059% | 474 |
| Return on assets (ROA) | 1.9059% | 495 |
| Pretax return on assets | 2.0047% | 672 |
| Return on Equity (ROE) | 14.0782% | 962 |
| Retained earnings to average equity (ytd only) | 4.6504% | 2,947 |
| Net charge-offs to loans | -0.0136% | 4,417 |
| Credit loss provision to net charge-offs | -350.0000% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6408% | 4,603 |
| Assets per employee ($millions) | 5.1806% | 2,275 |
| Cash dividends to net income (ytd only)* | 66.9673% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 881 |
| Loan loss allowance to noncurrent loans | 315.1819% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 2,804 |
| Noncurrent loans to loans | 0.5286% | 2,693 |
| Net loans and leases to total assets | 79.4947% | 966 |
| Net loans and leases to deposits | 99.7061% | 701 |
| Net loans and leases to core deposits | 110.7476% | 939 |
| Total domestic deposits to total assets | 79.7290% | 4,090 |
| Equity capital to assets | 13.8078% | 1,196 |
| Core capital (leverage) ratio | 13.1901% | 1,216 |
| Tier 1 risk-based capital ratio | 15.3861% | 2,663 |
| Total risk-based capital ratio | 16.6398% | 2,594 |
| Memoranda: | ||
| Average total assets | $186,163,000 | 2,986 |
| Average earning assets | $173,641,670 | 2,988 |
| Average equity | $25,202,000 | 2,700 |
| Average total loans | $147,152,330 | 2,687 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 977 |
| Cost of funding earning assets | 0.9081% | 1,963 |
| Net interest margin | 4.2540% | 1,186 |
| Noninterest income to average assets | 0.2710% | 4,066 |
| Noninterest expense to average assets | 2.3098% | 3,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8259% | 540 |
| Return on assets (ROA) | 1.8259% | 559 |
| Pretax return on assets | 1.9205% | 756 |
| Return on Equity (ROE) | 13.6238% | 1,050 |
| Retained earnings to average equity (ytd only) | 1.4282% | 4,213 |
| Net charge-offs to loans | 0.0028% | 2,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 893.0000% | 60 |
| Efficiency ratio | 54.6009% | 4,478 |
| Assets per employee ($millions) | 5.1204% | 2,376 |
| Cash dividends to net income (ytd only)* | 89.5171% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6885% | 880 |
| Loan loss allowance to noncurrent loans | 283.4483% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 2,727 |
| Noncurrent loans to loans | 0.5957% | 2,552 |
| Net loans and leases to total assets | 77.8924% | 1,172 |
| Net loans and leases to deposits | 96.2301% | 940 |
| Net loans and leases to core deposits | 107.6149% | 1,070 |
| Total domestic deposits to total assets | 80.9439% | 3,979 |
| Equity capital to assets | 13.5992% | 1,177 |
| Core capital (leverage) ratio | 12.9856% | 1,281 |
| Tier 1 risk-based capital ratio | 15.3006% | 2,750 |
| Total risk-based capital ratio | 16.5545% | 2,658 |
| Memoranda: | ||
| Average total assets | $185,993,000 | 3,024 |
| Average earning assets | $173,107,500 | 3,025 |
| Average equity | $24,927,000 | 2,723 |
| Average total loans | $145,342,500 | 2,737 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1729% | 735 |
| Cost of funding earning assets | 0.8300% | 1,393 |
| Net interest margin | 4.3430% | 1,058 |
| Noninterest income to average assets | 0.3622% | 3,677 |
| Noninterest expense to average assets | 2.2717% | 4,187 |
| Loan and lease loss provision to assets | 0.0444% | 3,299 |
| Net operating income to assets | 1.9744% | 382 |
| Return on assets (ROA) | 1.9739% | 381 |
| Pretax return on assets | 2.0765% | 465 |
| Return on Equity (ROE) | 14.9161% | 851 |
| Retained earnings to average equity (ytd only) | 7.7703% | 1,340 |
| Net charge-offs to loans | 0.0485% | 2,463 |
| Credit loss provision to net charge-offs | 115.9420% | 2,237 |
| Earnings coverage of net charge-offs (x) | 55.4348% | 1,075 |
| Efficiency ratio | 51.7106% | 4,818 |
| Assets per employee ($millions) | 5.2125% | 2,249 |
| Cash dividends to net income (ytd only)* | 47.9067% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 828 |
| Loan loss allowance to noncurrent loans | 370.4204% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 3,126 |
| Noncurrent loans to loans | 0.4605% | 2,892 |
| Net loans and leases to total assets | 75.7625% | 1,653 |
| Net loans and leases to deposits | 93.1675% | 1,378 |
| Net loans and leases to core deposits | 103.3535% | 1,470 |
| Total domestic deposits to total assets | 81.3185% | 3,823 |
| Equity capital to assets | 13.2086% | 1,251 |
| Core capital (leverage) ratio | 13.0350% | 1,235 |
| Tier 1 risk-based capital ratio | 14.8670% | 2,896 |
| Total risk-based capital ratio | 16.1206% | 2,826 |
| Memoranda: | ||
| Average total assets | $180,307,200 | 3,052 |
| Average earning assets | $167,351,400 | 3,051 |
| Average equity | $23,860,200 | 2,739 |
| Average total loans | $142,201,600 | 2,740 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1836% | 648 |
| Cost of funding earning assets | 0.8085% | 1,296 |
| Net interest margin | 4.3751% | 950 |
| Noninterest income to average assets | 0.2876% | 4,233 |
| Noninterest expense to average assets | 2.2853% | 4,137 |
| Loan and lease loss provision to assets | 0.0598% | 2,786 |
| Net operating income to assets | 1.9020% | 483 |
| Return on assets (ROA) | 1.9013% | 481 |
| Pretax return on assets | 2.0006% | 619 |
| Return on Equity (ROE) | 14.3607% | 1,022 |
| Retained earnings to average equity (ytd only) | 8.8647% | 1,277 |
| Net charge-offs to loans | 0.0998% | 1,495 |
| Credit loss provision to net charge-offs | 75.4717% | 2,576 |
| Earnings coverage of net charge-offs (x) | 26.0282% | 1,759 |
| Efficiency ratio | 52.5782% | 4,749 |
| Assets per employee ($millions) | 4.9689% | 2,506 |
| Cash dividends to net income (ytd only)* | 38.2710% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 871 |
| Loan loss allowance to noncurrent loans | 445.8716% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 2,873 |
| Noncurrent loans to loans | 0.3811% | 3,285 |
| Net loans and leases to total assets | 78.5803% | 1,237 |
| Net loans and leases to deposits | 97.5340% | 994 |
| Net loans and leases to core deposits | 109.5015% | 1,067 |
| Total domestic deposits to total assets | 80.5671% | 3,983 |
| Equity capital to assets | 13.6084% | 1,096 |
| Core capital (leverage) ratio | 13.0387% | 1,267 |
| Tier 1 risk-based capital ratio | 15.4565% | 2,667 |
| Total risk-based capital ratio | 16.7103% | 2,602 |
| Memoranda: | ||
| Average total assets | $178,471,250 | 3,093 |
| Average earning assets | $165,570,000 | 3,094 |
| Average equity | $23,628,750 | 2,772 |
| Average total loans | $141,593,000 | 2,766 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1180% | 643 |
| Cost of funding earning assets | 0.7776% | 1,240 |
| Net interest margin | 4.3404% | 956 |
| Noninterest income to average assets | 0.2770% | 4,333 |
| Noninterest expense to average assets | 2.2486% | 4,263 |
| Loan and lease loss provision to assets | 0.0673% | 2,542 |
| Net operating income to assets | 1.8863% | 483 |
| Return on assets (ROA) | 1.8863% | 475 |
| Pretax return on assets | 1.9862% | 620 |
| Return on Equity (ROE) | 14.3818% | 990 |
| Retained earnings to average equity (ytd only) | 7.9348% | 1,657 |
| Net charge-offs to loans | 0.1134% | 1,246 |
| Credit loss provision to net charge-offs | 75.0000% | 2,304 |
| Earnings coverage of net charge-offs (x) | 22.8875% | 1,725 |
| Efficiency ratio | 52.2680% | 4,859 |
| Assets per employee ($millions) | 4.9792% | 2,449 |
| Cash dividends to net income (ytd only)* | 44.8276% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 888 |
| Loan loss allowance to noncurrent loans | 296.7113% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 2,831 |
| Noncurrent loans to loans | 0.5771% | 2,693 |
| Net loans and leases to total assets | 78.0108% | 1,313 |
| Net loans and leases to deposits | 95.8385% | 1,159 |
| Net loans and leases to core deposits | 108.1753% | 1,105 |
| Total domestic deposits to total assets | 81.3983% | 3,893 |
| Equity capital to assets | 13.2701% | 1,197 |
| Core capital (leverage) ratio | 12.5759% | 1,395 |
| Tier 1 risk-based capital ratio | 15.0885% | 2,830 |
| Total risk-based capital ratio | 16.3431% | 2,750 |
| Memoranda: | ||
| Average total assets | $178,334,330 | 3,114 |
| Average earning assets | $165,377,330 | 3,113 |
| Average equity | $23,390,670 | 2,804 |
| Average total loans | $141,125,330 | 2,782 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 629 |
| Cost of funding earning assets | 0.7658% | 1,117 |
| Net interest margin | 4.2822% | 977 |
| Noninterest income to average assets | 0.3013% | 4,145 |
| Noninterest expense to average assets | 2.2937% | 4,202 |
| Loan and lease loss provision to assets | 0.1349% | 1,397 |
| Net operating income to assets | 1.7540% | 612 |
| Return on assets (ROA) | 1.7540% | 620 |
| Pretax return on assets | 1.8462% | 833 |
| Return on Equity (ROE) | 13.4526% | 1,146 |
| Retained earnings to average equity (ytd only) | 6.9850% | 2,283 |
| Net charge-offs to loans | 0.1309% | 1,019 |
| Credit loss provision to net charge-offs | 130.4348% | 1,333 |
| Earnings coverage of net charge-offs (x) | 19.1522% | 1,513 |
| Efficiency ratio | 53.6560% | 4,830 |
| Assets per employee ($millions) | 4.9351% | 2,560 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7523% | 860 |
| Loan loss allowance to noncurrent loans | 406.2500% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 3,416 |
| Noncurrent loans to loans | 0.4313% | 3,242 |
| Net loans and leases to total assets | 77.9493% | 1,247 |
| Net loans and leases to deposits | 95.8209% | 1,054 |
| Net loans and leases to core deposits | 105.7896% | 1,254 |
| Total domestic deposits to total assets | 81.3490% | 4,123 |
| Equity capital to assets | 13.1158% | 1,186 |
| Core capital (leverage) ratio | 12.4574% | 1,409 |
| Tier 1 risk-based capital ratio | 14.7801% | 2,986 |
| Total risk-based capital ratio | 16.0345% | 2,907 |
| Memoranda: | ||
| Average total assets | $177,875,500 | 3,151 |
| Average earning assets | $165,054,500 | 3,147 |
| Average equity | $23,192,500 | 2,845 |
| Average total loans | $140,552,000 | 2,807 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9430% | 724 |
| Cost of funding earning assets | 0.6550% | 1,271 |
| Net interest margin | 4.2880% | 988 |
| Noninterest income to average assets | 0.3537% | 3,935 |
| Noninterest expense to average assets | 2.3319% | 4,252 |
| Loan and lease loss provision to assets | 0.1186% | 1,924 |
| Net operating income to assets | 1.7660% | 463 |
| Return on assets (ROA) | 1.7666% | 468 |
| Pretax return on assets | 1.8584% | 668 |
| Return on Equity (ROE) | 13.8481% | 781 |
| Retained earnings to average equity (ytd only) | 7.4539% | 937 |
| Net charge-offs to loans | 0.0747% | 2,379 |
| Credit loss provision to net charge-offs | 208.0000% | 1,316 |
| Earnings coverage of net charge-offs (x) | 34.6500% | 1,389 |
| Efficiency ratio | 54.1242% | 4,944 |
| Assets per employee ($millions) | 5.0882% | 2,372 |
| Cash dividends to net income (ytd only)* | 46.1737% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 856 |
| Loan loss allowance to noncurrent loans | 370.9970% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 3,321 |
| Noncurrent loans to loans | 0.4724% | 3,091 |
| Net loans and leases to total assets | 77.3163% | 1,377 |
| Net loans and leases to deposits | 95.3499% | 1,145 |
| Net loans and leases to core deposits | 105.1662% | 1,334 |
| Total domestic deposits to total assets | 81.0869% | 4,102 |
| Equity capital to assets | 12.9616% | 1,285 |
| Core capital (leverage) ratio | 12.3511% | 1,422 |
| Tier 1 risk-based capital ratio | 14.6177% | 3,031 |
| Total risk-based capital ratio | 15.8722% | 2,955 |
| Memoranda: | ||
| Average total assets | $175,310,600 | 3,174 |
| Average earning assets | $161,684,000 | 3,179 |
| Average equity | $22,364,000 | 2,917 |
| Average total loans | $133,885,000 | 2,860 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8946% | 769 |
| Cost of funding earning assets | 0.6300% | 1,355 |
| Net interest margin | 4.2647% | 1,011 |
| Noninterest income to average assets | 0.2963% | 4,414 |
| Noninterest expense to average assets | 2.3441% | 4,173 |
| Loan and lease loss provision to assets | 0.1588% | 1,294 |
| Net operating income to assets | 1.6371% | 653 |
| Return on assets (ROA) | 1.6378% | 674 |
| Pretax return on assets | 1.7226% | 1,067 |
| Return on Equity (ROE) | 12.8917% | 1,085 |
| Retained earnings to average equity (ytd only) | 8.1557% | 1,162 |
| Net charge-offs to loans | -0.0171% | 4,799 |
| Credit loss provision to net charge-offs | -1,223.5294% | 4,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4853% | 4,793 |
| Assets per employee ($millions) | 5.1767% | 2,251 |
| Cash dividends to net income (ytd only)* | 36.7366% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8824% | 726 |
| Loan loss allowance to noncurrent loans | 308.1437% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 3,099 |
| Noncurrent loans to loans | 0.6109% | 2,884 |
| Net loans and leases to total assets | 76.1965% | 1,557 |
| Net loans and leases to deposits | 96.4286% | 1,077 |
| Net loans and leases to core deposits | 106.3841% | 1,248 |
| Total domestic deposits to total assets | 79.0186% | 4,526 |
| Equity capital to assets | 13.0557% | 1,357 |
| Core capital (leverage) ratio | 12.3889% | 1,461 |
| Tier 1 risk-based capital ratio | 14.5889% | 3,137 |
| Total risk-based capital ratio | 15.8448% | 3,052 |
| Memoranda: | ||
| Average total assets | $174,616,250 | 3,209 |
| Average earning assets | $160,853,000 | 3,217 |
| Average equity | $22,184,250 | 2,956 |
| Average total loans | $132,319,500 | 2,905 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8301% | 806 |
| Cost of funding earning assets | 0.6014% | 1,437 |
| Net interest margin | 4.2286% | 1,014 |
| Noninterest income to average assets | 0.2940% | 4,439 |
| Noninterest expense to average assets | 2.3095% | 4,317 |
| Loan and lease loss provision to assets | 0.1872% | 1,007 |
| Net operating income to assets | 1.6055% | 699 |
| Return on assets (ROA) | 1.6066% | 716 |
| Pretax return on assets | 1.6905% | 1,080 |
| Return on Equity (ROE) | 12.7650% | 1,097 |
| Retained earnings to average equity (ytd only) | 8.1572% | 1,100 |
| Net charge-offs to loans | -0.0092% | 4,503 |
| Credit loss provision to net charge-offs | -2,716.6667% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1715% | 4,908 |
| Assets per employee ($millions) | 5.0671% | 2,315 |
| Cash dividends to net income (ytd only)* | 36.0972% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8831% | 747 |
| Loan loss allowance to noncurrent loans | 196.4871% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 2,304 |
| Noncurrent loans to loans | 0.9584% | 2,046 |
| Net loans and leases to total assets | 76.1218% | 1,530 |
| Net loans and leases to deposits | 95.1837% | 1,161 |
| Net loans and leases to core deposits | 106.2850% | 1,212 |
| Total domestic deposits to total assets | 79.9736% | 4,419 |
| Equity capital to assets | 13.0831% | 1,334 |
| Core capital (leverage) ratio | 11.9956% | 1,636 |
| Tier 1 risk-based capital ratio | 14.7356% | 3,043 |
| Total risk-based capital ratio | 15.9917% | 2,975 |
| Memoranda: | ||
| Average total assets | $174,152,330 | 3,234 |
| Average earning assets | $160,288,000 | 3,237 |
| Average equity | $21,919,330 | 2,982 |
| Average total loans | $130,864,330 | 2,934 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7594% | 823 |
| Cost of funding earning assets | 0.5833% | 1,490 |
| Net interest margin | 4.1760% | 1,038 |
| Noninterest income to average assets | 0.2924% | 4,464 |
| Noninterest expense to average assets | 2.4559% | 3,946 |
| Loan and lease loss provision to assets | 0.1896% | 885 |
| Net operating income to assets | 1.3846% | 1,028 |
| Return on assets (ROA) | 1.3867% | 1,057 |
| Pretax return on assets | 1.4598% | 1,664 |
| Return on Equity (ROE) | 11.2361% | 1,487 |
| Retained earnings to average equity (ytd only) | 6.0160% | 2,323 |
| Net charge-offs to loans | -0.0525% | 5,206 |
| Credit loss provision to net charge-offs | -488.2353% | 4,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8552% | 4,472 |
| Assets per employee ($millions) | 5.2823% | 2,096 |
| Cash dividends to net income (ytd only)* | 46.4580% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8723% | 834 |
| Loan loss allowance to noncurrent loans | 117.6923% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.2110% | 1,448 |
| Noncurrent loans to loans | 1.5909% | 1,225 |
| Net loans and leases to total assets | 73.6010% | 1,806 |
| Net loans and leases to deposits | 90.7939% | 1,450 |
| Net loans and leases to core deposits | 100.8014% | 1,454 |
| Total domestic deposits to total assets | 81.0638% | 4,402 |
| Equity capital to assets | 12.5249% | 1,510 |
| Core capital (leverage) ratio | 11.7845% | 1,763 |
| Tier 1 risk-based capital ratio | 14.0324% | 3,458 |
| Total risk-based capital ratio | 15.2872% | 3,372 |
| Memoranda: | ||
| Average total assets | $175,087,000 | 3,251 |
| Average earning assets | $159,769,000 | 3,271 |
| Average equity | $21,609,000 | 3,018 |
| Average total loans | $129,465,500 | 2,968 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 791 |
| Cost of funding earning assets | 0.5971% | 1,356 |
| Net interest margin | 4.2610% | 994 |
| Noninterest income to average assets | 0.3634% | 4,144 |
| Noninterest expense to average assets | 2.1708% | 4,839 |
| Loan and lease loss provision to assets | 0.1907% | 1,232 |
| Net operating income to assets | 1.8203% | 428 |
| Return on assets (ROA) | 1.8203% | 447 |
| Pretax return on assets | 1.9145% | 600 |
| Return on Equity (ROE) | 14.9180% | 638 |
| Retained earnings to average equity (ytd only) | 9.2788% | 527 |
| Net charge-offs to loans | 0.0955% | 2,338 |
| Credit loss provision to net charge-offs | 269.4215% | 1,068 |
| Earnings coverage of net charge-offs (x) | 29.7355% | 1,440 |
| Efficiency ratio | 50.7663% | 5,451 |
| Assets per employee ($millions) | 5.6728% | 1,716 |
| Cash dividends to net income (ytd only)* | 37.8014% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8317% | 898 |
| Loan loss allowance to noncurrent loans | 391.9866% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 3,850 |
| Noncurrent loans to loans | 0.4673% | 3,481 |
| Net loans and leases to total assets | 71.5559% | 2,230 |
| Net loans and leases to deposits | 88.1235% | 1,910 |
| Net loans and leases to core deposits | 95.8663% | 1,933 |
| Total domestic deposits to total assets | 81.1995% | 4,287 |
| Equity capital to assets | 12.1604% | 1,698 |
| Core capital (leverage) ratio | 11.4855% | 1,938 |
| Tier 1 risk-based capital ratio | 13.7143% | 3,642 |
| Total risk-based capital ratio | 14.9683% | 3,543 |
| Memoranda: | ||
| Average total assets | $170,905,600 | 3,276 |
| Average earning assets | $156,936,800 | 3,282 |
| Average equity | $20,854,000 | 3,079 |
| Average total loans | $126,689,800 | 2,965 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8856% | 747 |
| Cost of funding earning assets | 0.5800% | 1,485 |
| Net interest margin | 4.3056% | 917 |
| Noninterest income to average assets | 0.3065% | 4,577 |
| Noninterest expense to average assets | 2.1602% | 4,864 |
| Loan and lease loss provision to assets | 0.1320% | 1,777 |
| Net operating income to assets | 1.8829% | 414 |
| Return on assets (ROA) | 1.8829% | 437 |
| Pretax return on assets | 1.9811% | 595 |
| Return on Equity (ROE) | 15.4170% | 621 |
| Retained earnings to average equity (ytd only) | 11.0415% | 425 |
| Net charge-offs to loans | -0.0158% | 4,930 |
| Credit loss provision to net charge-offs | -1,120.0000% | 5,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5517% | 5,467 |
| Assets per employee ($millions) | 5.5600% | 1,793 |
| Cash dividends to net income (ytd only)* | 28.3805% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7883% | 1,033 |
| Loan loss allowance to noncurrent loans | 285.3988% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 3,539 |
| Noncurrent loans to loans | 0.6266% | 3,133 |
| Net loans and leases to total assets | 74.1148% | 1,855 |
| Net loans and leases to deposits | 96.4201% | 1,009 |
| Net loans and leases to core deposits | 103.9803% | 1,340 |
| Total domestic deposits to total assets | 76.8666% | 5,113 |
| Equity capital to assets | 12.5835% | 1,726 |
| Core capital (leverage) ratio | 11.7147% | 1,873 |
| Tier 1 risk-based capital ratio | 14.0430% | 3,542 |
| Total risk-based capital ratio | 15.2976% | 3,457 |
| Memoranda: | ||
| Average total assets | $169,667,750 | 3,305 |
| Average earning assets | $156,319,750 | 3,305 |
| Average equity | $20,721,250 | 3,121 |
| Average total loans | $126,316,250 | 2,984 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 679 |
| Cost of funding earning assets | 0.5737% | 1,511 |
| Net interest margin | 4.3526% | 845 |
| Noninterest income to average assets | 0.3046% | 4,612 |
| Noninterest expense to average assets | 2.1283% | 4,997 |
| Loan and lease loss provision to assets | 0.1327% | 1,726 |
| Net operating income to assets | 1.9435% | 367 |
| Return on assets (ROA) | 1.9435% | 386 |
| Pretax return on assets | 2.0442% | 525 |
| Return on Equity (ROE) | 16.0795% | 535 |
| Retained earnings to average equity (ytd only) | 11.4223% | 388 |
| Net charge-offs to loans | -0.0288% | 5,103 |
| Credit loss provision to net charge-offs | -622.2222% | 4,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4357% | 5,597 |
| Assets per employee ($millions) | 5.4603% | 1,833 |
| Cash dividends to net income (ytd only)* | 28.9634% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8035% | 1,074 |
| Loan loss allowance to noncurrent loans | 423.2775% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 4,226 |
| Noncurrent loans to loans | 0.4261% | 3,828 |
| Net loans and leases to total assets | 73.1126% | 2,000 |
| Net loans and leases to deposits | 92.0106% | 1,512 |
| Net loans and leases to core deposits | 98.7891% | 1,744 |
| Total domestic deposits to total assets | 79.4611% | 4,679 |
| Equity capital to assets | 12.4630% | 1,799 |
| Core capital (leverage) ratio | 11.2870% | 2,160 |
| Tier 1 risk-based capital ratio | 13.9502% | 3,630 |
| Total risk-based capital ratio | 15.2049% | 3,552 |
| Memoranda: | ||
| Average total assets | $168,770,000 | 3,331 |
| Average earning assets | $155,126,670 | 3,332 |
| Average equity | $20,398,670 | 3,152 |
| Average total loans | $125,064,670 | 3,010 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 772 |
| Cost of funding earning assets | 0.5742% | 1,515 |
| Net interest margin | 4.2729% | 968 |
| Noninterest income to average assets | 0.2896% | 4,653 |
| Noninterest expense to average assets | 2.2549% | 4,771 |
| Loan and lease loss provision to assets | 0.1424% | 1,480 |
| Net operating income to assets | 1.7232% | 545 |
| Return on assets (ROA) | 1.7232% | 578 |
| Pretax return on assets | 1.8134% | 830 |
| Return on Equity (ROE) | 14.4838% | 749 |
| Retained earnings to average equity (ytd only) | 9.0973% | 1,090 |
| Net charge-offs to loans | -0.0353% | 5,137 |
| Credit loss provision to net charge-offs | -545.4545% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5513% | 5,418 |
| Assets per employee ($millions) | 5.4759% | 1,850 |
| Cash dividends to net income (ytd only)* | 37.1901% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7703% | 1,212 |
| Loan loss allowance to noncurrent loans | 585.7143% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 4,079 |
| Noncurrent loans to loans | 0.3022% | 4,343 |
| Net loans and leases to total assets | 72.3706% | 1,973 |
| Net loans and leases to deposits | 90.8279% | 1,480 |
| Net loans and leases to core deposits | 98.4912% | 1,602 |
| Total domestic deposits to total assets | 79.6788% | 4,821 |
| Equity capital to assets | 11.9750% | 2,044 |
| Core capital (leverage) ratio | 11.1332% | 2,278 |
| Tier 1 risk-based capital ratio | 13.3693% | 4,056 |
| Total risk-based capital ratio | 14.6236% | 3,980 |
| Memoranda: | ||
| Average total assets | $168,520,500 | 3,350 |
| Average earning assets | $154,647,500 | 3,356 |
| Average equity | $20,050,000 | 3,196 |
| Average total loans | $124,582,000 | 3,022 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 935 |
| Cost of funding earning assets | 0.6007% | 1,353 |
| Net interest margin | 4.1974% | 1,181 |
| Noninterest income to average assets | 0.4016% | 4,024 |
| Noninterest expense to average assets | 2.3056% | 4,772 |
| Loan and lease loss provision to assets | 0.3167% | 520 |
| Net operating income to assets | 1.5576% | 768 |
| Return on assets (ROA) | 1.5739% | 769 |
| Pretax return on assets | 1.6556% | 1,094 |
| Return on Equity (ROE) | 13.7576% | 896 |
| Retained earnings to average equity (ytd only) | 10.4662% | 401 |
| Net charge-offs to loans | 0.1894% | 1,532 |
| Credit loss provision to net charge-offs | 231.6964% | 1,232 |
| Earnings coverage of net charge-offs (x) | 14.3036% | 2,310 |
| Efficiency ratio | 54.1106% | 5,514 |
| Assets per employee ($millions) | 5.3964% | 1,907 |
| Cash dividends to net income (ytd only)* | 23.9240% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 1,291 |
| Loan loss allowance to noncurrent loans | 2,255.7895% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 4,757 |
| Noncurrent loans to loans | 0.0766% | 5,194 |
| Net loans and leases to total assets | 72.9017% | 1,906 |
| Net loans and leases to deposits | 87.7002% | 1,919 |
| Net loans and leases to core deposits | 95.5416% | 1,893 |
| Total domestic deposits to total assets | 83.1260% | 3,799 |
| Equity capital to assets | 11.8192% | 2,095 |
| Core capital (leverage) ratio | 11.1326% | 2,278 |
| Tier 1 risk-based capital ratio | 13.2690% | 4,124 |
| Total risk-based capital ratio | 14.5230% | 4,069 |
| Memoranda: | ||
| Average total assets | $163,864,800 | 3,385 |
| Average earning assets | $150,663,200 | 3,394 |
| Average equity | $18,746,000 | 3,288 |
| Average total loans | $118,295,800 | 3,078 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 952 |
| Cost of funding earning assets | 0.6001% | 1,403 |
| Net interest margin | 4.1937% | 1,181 |
| Noninterest income to average assets | 0.3623% | 4,336 |
| Noninterest expense to average assets | 2.2608% | 4,883 |
| Loan and lease loss provision to assets | 0.3672% | 356 |
| Net operating income to assets | 1.5195% | 894 |
| Return on assets (ROA) | 1.5312% | 915 |
| Pretax return on assets | 1.6105% | 1,351 |
| Return on Equity (ROE) | 13.4992% | 1,005 |
| Retained earnings to average equity (ytd only) | 11.0835% | 465 |
| Net charge-offs to loans | -0.0434% | 5,500 |
| Credit loss provision to net charge-offs | -1,181.5789% | 5,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4933% | 5,555 |
| Assets per employee ($millions) | 5.1946% | 2,073 |
| Cash dividends to net income (ytd only)* | 17.8955% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9513% | 989 |
| Loan loss allowance to noncurrent loans | 518.8889% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.5030% | 3,819 |
| Noncurrent loans to loans | 0.3761% | 4,269 |
| Net loans and leases to total assets | 72.8579% | 1,928 |
| Net loans and leases to deposits | 90.6980% | 1,565 |
| Net loans and leases to core deposits | 99.5579% | 1,554 |
| Total domestic deposits to total assets | 80.3302% | 4,666 |
| Equity capital to assets | 12.0527% | 2,059 |
| Core capital (leverage) ratio | 10.9744% | 2,517 |
| Tier 1 risk-based capital ratio | 13.8346% | 3,951 |
| Total risk-based capital ratio | 15.0918% | 3,885 |
| Memoranda: | ||
| Average total assets | $163,009,250 | 3,429 |
| Average earning assets | $150,189,250 | 3,433 |
| Average equity | $18,489,500 | 3,342 |
| Average total loans | $116,845,250 | 3,123 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 988 |
| Cost of funding earning assets | 0.6011% | 1,406 |
| Net interest margin | 4.1450% | 1,238 |
| Noninterest income to average assets | 0.3556% | 4,414 |
| Noninterest expense to average assets | 2.2423% | 5,004 |
| Loan and lease loss provision to assets | 0.3996% | 297 |
| Net operating income to assets | 1.4478% | 997 |
| Return on assets (ROA) | 1.4652% | 1,008 |
| Pretax return on assets | 1.5409% | 1,523 |
| Return on Equity (ROE) | 13.1881% | 1,082 |
| Retained earnings to average equity (ytd only) | 11.2523% | 473 |
| Net charge-offs to loans | -0.0518% | 5,563 |
| Credit loss provision to net charge-offs | -1,090.0000% | 5,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8439% | 5,605 |
| Assets per employee ($millions) | 5.6577% | 1,611 |
| Cash dividends to net income (ytd only)* | 14.6789% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8474% | 1,278 |
| Loan loss allowance to noncurrent loans | 270.2206% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 3,243 |
| Noncurrent loans to loans | 0.6837% | 3,439 |
| Net loans and leases to total assets | 71.4016% | 2,090 |
| Net loans and leases to deposits | 86.8151% | 1,967 |
| Net loans and leases to core deposits | 94.4758% | 1,912 |
| Total domestic deposits to total assets | 82.2456% | 4,214 |
| Equity capital to assets | 11.4419% | 2,466 |
| Core capital (leverage) ratio | 10.4475% | 3,029 |
| Tier 1 risk-based capital ratio | 12.7643% | 4,646 |
| Total risk-based capital ratio | 14.0194% | 4,558 |
| Memoranda: | ||
| Average total assets | $163,667,670 | 3,438 |
| Average earning assets | $150,399,000 | 3,449 |
| Average equity | $18,183,000 | 3,398 |
| Average total loans | $115,906,670 | 3,157 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 1,013 |
| Cost of funding earning assets | 0.6095% | 1,368 |
| Net interest margin | 4.1017% | 1,270 |
| Noninterest income to average assets | 0.3475% | 4,419 |
| Noninterest expense to average assets | 2.2268% | 5,080 |
| Loan and lease loss provision to assets | 0.4527% | 240 |
| Net operating income to assets | 1.3673% | 1,099 |
| Return on assets (ROA) | 1.4021% | 1,082 |
| Pretax return on assets | 1.4755% | 1,643 |
| Return on Equity (ROE) | 12.8131% | 1,136 |
| Retained earnings to average equity (ytd only) | 12.4106% | 515 |
| Net charge-offs to loans | -0.0280% | 5,212 |
| Credit loss provision to net charge-offs | -2,312.5000% | 5,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0701% | 5,674 |
| Assets per employee ($millions) | 5.6629% | 1,658 |
| Cash dividends to net income (ytd only)* | 3.1414% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 1,593 |
| Loan loss allowance to noncurrent loans | 225.7743% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.7697% | 3,186 |
| Noncurrent loans to loans | 0.7788% | 3,306 |
| Net loans and leases to total assets | 69.4405% | 2,211 |
| Net loans and leases to deposits | 84.0170% | 2,073 |
| Net loans and leases to core deposits | 90.8315% | 2,049 |
| Total domestic deposits to total assets | 82.6505% | 4,288 |
| Equity capital to assets | 11.2584% | 2,692 |
| Core capital (leverage) ratio | 10.2694% | 3,252 |
| Tier 1 risk-based capital ratio | 12.5151% | 4,894 |
| Total risk-based capital ratio | 13.7680% | 4,802 |
| Memoranda: | ||
| Average total assets | $163,465,500 | 3,459 |
| Average earning assets | $150,279,000 | 3,462 |
| Average equity | $17,888,000 | 3,467 |
| Average total loans | $114,182,500 | 3,195 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8784% | 957 |
| Cost of funding earning assets | 0.7321% | 944 |
| Net interest margin | 4.1463% | 1,446 |
| Noninterest income to average assets | 0.3888% | 4,272 |
| Noninterest expense to average assets | 2.3124% | 5,081 |
| Loan and lease loss provision to assets | 0.2987% | 690 |
| Net operating income to assets | 1.5726% | 750 |
| Return on assets (ROA) | 1.5822% | 769 |
| Pretax return on assets | 1.6637% | 1,063 |
| Return on Equity (ROE) | 14.0704% | 924 |
| Retained earnings to average equity (ytd only) | 9.2883% | 646 |
| Net charge-offs to loans | 0.0702% | 3,474 |
| Credit loss provision to net charge-offs | 583.3333% | 455 |
| Earnings coverage of net charge-offs (x) | 38.1212% | 1,126 |
| Efficiency ratio | 54.2213% | 5,821 |
| Assets per employee ($millions) | 5.8107% | 1,518 |
| Cash dividends to net income (ytd only)* | 33.9872% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 1,956 |
| Loan loss allowance to noncurrent loans | 180.9990% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 3,084 |
| Noncurrent loans to loans | 0.9057% | 3,052 |
| Net loans and leases to total assets | 68.1516% | 2,536 |
| Net loans and leases to deposits | 81.0085% | 2,603 |
| Net loans and leases to core deposits | 87.8990% | 2,511 |
| Total domestic deposits to total assets | 84.1290% | 3,656 |
| Equity capital to assets | 10.8980% | 3,013 |
| Core capital (leverage) ratio | 9.9825% | 3,589 |
| Tier 1 risk-based capital ratio | 12.9520% | 4,749 |
| Total risk-based capital ratio | 14.1761% | 4,696 |
| Memoranda: | ||
| Average total assets | $128,873,000 | 3,996 |
| Average earning assets | $120,468,600 | 3,953 |
| Average equity | $14,491,400 | 3,937 |
| Average total loans | $94,069,800 | 3,546 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9184% | 895 |
| Cost of funding earning assets | 0.7620% | 836 |
| Net interest margin | 4.1563% | 1,410 |
| Noninterest income to average assets | 0.2990% | 5,062 |
| Noninterest expense to average assets | 2.2211% | 5,312 |
| Loan and lease loss provision to assets | 0.2713% | 773 |
| Net operating income to assets | 1.6182% | 718 |
| Return on assets (ROA) | 1.6276% | 733 |
| Pretax return on assets | 1.7118% | 1,038 |
| Return on Equity (ROE) | 14.3255% | 927 |
| Retained earnings to average equity (ytd only) | 9.0631% | 977 |
| Net charge-offs to loans | -0.0164% | 5,560 |
| Credit loss provision to net charge-offs | -2,227.2727% | 5,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9567% | 5,923 |
| Assets per employee ($millions) | 5.6720% | 1,579 |
| Cash dividends to net income (ytd only)* | 36.7346% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 2,109 |
| Loan loss allowance to noncurrent loans | 145.3583% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.9999% | 2,952 |
| Noncurrent loans to loans | 1.1405% | 2,777 |
| Net loans and leases to total assets | 66.6721% | 2,744 |
| Net loans and leases to deposits | 80.2434% | 2,656 |
| Net loans and leases to core deposits | 86.8011% | 2,572 |
| Total domestic deposits to total assets | 83.0873% | 4,109 |
| Equity capital to assets | 10.8975% | 3,072 |
| Core capital (leverage) ratio | 10.3552% | 3,207 |
| Tier 1 risk-based capital ratio | 13.1494% | 4,765 |
| Total risk-based capital ratio | 14.3756% | 4,717 |
| Memoranda: | ||
| Average total assets | $120,416,500 | 4,205 |
| Average earning assets | $112,853,250 | 4,148 |
| Average equity | $13,681,500 | 4,100 |
| Average total loans | $89,404,750 | 3,671 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0079% | 742 |
| Cost of funding earning assets | 0.8066% | 679 |
| Net interest margin | 4.2013% | 1,240 |
| Noninterest income to average assets | 0.1970% | 5,784 |
| Noninterest expense to average assets | 2.0424% | 5,744 |
| Loan and lease loss provision to assets | 0.2509% | 871 |
| Net operating income to assets | 1.7525% | 531 |
| Return on assets (ROA) | 1.7525% | 559 |
| Pretax return on assets | 1.8436% | 769 |
| Return on Equity (ROE) | 15.1207% | 775 |
| Retained earnings to average equity (ytd only) | 8.9153% | 1,018 |
| Net charge-offs to loans | -0.0048% | 5,167 |
| Credit loss provision to net charge-offs | -6,750.0000% | 5,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3711% | 6,207 |
| Assets per employee ($millions) | 7.2522% | 710 |
| Cash dividends to net income (ytd only)* | 41.0392% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9709% | 1,417 |
| Loan loss allowance to noncurrent loans | 168.4530% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9091% | 3,271 |
| Noncurrent loans to loans | 1.1700% | 2,886 |
| Net loans and leases to total assets | 76.1737% | 1,136 |
| Net loans and leases to deposits | 92.5214% | 1,094 |
| Net loans and leases to core deposits | 99.9144% | 1,295 |
| Total domestic deposits to total assets | 82.3309% | 4,531 |
| Equity capital to assets | 11.8300% | 2,126 |
| Core capital (leverage) ratio | 11.8049% | 1,783 |
| Tier 1 risk-based capital ratio | 13.9915% | 4,263 |
| Total risk-based capital ratio | 15.2163% | 4,218 |
| Memoranda: | ||
| Average total assets | $107,616,670 | 4,495 |
| Average earning assets | $100,921,330 | 4,445 |
| Average equity | $12,473,000 | 4,319 |
| Average total loans | $83,316,000 | 3,826 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 779 |
| Cost of funding earning assets | 0.8394% | 615 |
| Net interest margin | 4.1213% | 1,413 |
| Noninterest income to average assets | 0.2242% | 5,559 |
| Noninterest expense to average assets | 1.8424% | 6,156 |
| Loan and lease loss provision to assets | 0.1682% | 1,438 |
| Net operating income to assets | 1.9844% | 348 |
| Return on assets (ROA) | 1.9844% | 361 |
| Pretax return on assets | 2.0853% | 439 |
| Return on Equity (ROE) | 17.3035% | 504 |
| Retained earnings to average equity (ytd only) | 9.6782% | 1,057 |
| Net charge-offs to loans | -0.0290% | 5,538 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9818% | 6,460 |
| Assets per employee ($millions) | 7.1996% | 721 |
| Cash dividends to net income (ytd only)* | 44.0678% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 1,805 |
| Loan loss allowance to noncurrent loans | 3,853.6585% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 6,179 |
| Noncurrent loans to loans | 0.0488% | 6,003 |
| Net loans and leases to total assets | 76.2570% | 973 |
| Net loans and leases to deposits | 92.9817% | 876 |
| Net loans and leases to core deposits | 100.4979% | 1,068 |
| Total domestic deposits to total assets | 82.0129% | 4,942 |
| Equity capital to assets | 11.5543% | 2,202 |
| Core capital (leverage) ratio | 11.5422% | 1,936 |
| Tier 1 risk-based capital ratio | 13.9252% | 4,372 |
| Total risk-based capital ratio | 15.1518% | 4,338 |
| Memoranda: | ||
| Average total assets | $107,033,500 | 4,558 |
| Average earning assets | $100,550,500 | 4,492 |
| Average equity | $12,275,000 | 4,375 |
| Average total loans | $82,709,000 | 3,869 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1455% | 716 |
| Cost of funding earning assets | 1.0012% | 438 |
| Net interest margin | 4.1442% | 1,522 |
| Noninterest income to average assets | 0.3152% | 5,089 |
| Noninterest expense to average assets | 1.8933% | 6,198 |
| Loan and lease loss provision to assets | 0.2392% | 1,513 |
| Net operating income to assets | 1.8840% | 411 |
| Return on assets (ROA) | 1.8840% | 421 |
| Pretax return on assets | 1.9806% | 506 |
| Return on Equity (ROE) | 17.1185% | 495 |
| Retained earnings to average equity (ytd only) | 10.8696% | 434 |
| Net charge-offs to loans | 0.2287% | 2,631 |
| Credit loss provision to net charge-offs | 143.2584% | 1,625 |
| Earnings coverage of net charge-offs (x) | 13.2921% | 2,039 |
| Efficiency ratio | 46.0310% | 6,554 |
| Assets per employee ($millions) | 7.0715% | 733 |
| Cash dividends to net income (ytd only)* | 36.5040% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8764% | 1,836 |
| Loan loss allowance to noncurrent loans | 1,499.0196% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 6,055 |
| Noncurrent loans to loans | 0.1252% | 5,825 |
| Net loans and leases to total assets | 75.3783% | 1,169 |
| Net loans and leases to deposits | 91.9288% | 1,058 |
| Net loans and leases to core deposits | 99.5010% | 1,196 |
| Total domestic deposits to total assets | 81.9964% | 4,876 |
| Equity capital to assets | 11.3808% | 2,253 |
| Core capital (leverage) ratio | 11.4763% | 1,982 |
| Tier 1 risk-based capital ratio | 13.8656% | 4,388 |
| Total risk-based capital ratio | 15.0916% | 4,356 |
| Memoranda: | ||
| Average total assets | $106,584,200 | 4,575 |
| Average earning assets | $97,678,400 | 4,575 |
| Average equity | $11,730,000 | 4,503 |
| Average total loans | $77,826,800 | 4,006 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1553% | 704 |
| Cost of funding earning assets | 1.0245% | 437 |
| Net interest margin | 4.1308% | 1,533 |
| Noninterest income to average assets | 0.2824% | 5,429 |
| Noninterest expense to average assets | 1.9029% | 6,180 |
| Loan and lease loss provision to assets | 0.1687% | 2,155 |
| Net operating income to assets | 1.8779% | 457 |
| Return on assets (ROA) | 1.8779% | 464 |
| Pretax return on assets | 1.9741% | 609 |
| Return on Equity (ROE) | 17.2094% | 520 |
| Retained earnings to average equity (ytd only) | 13.4882% | 289 |
| Net charge-offs to loans | 0.1092% | 3,446 |
| Credit loss provision to net charge-offs | 214.2857% | 1,131 |
| Earnings coverage of net charge-offs (x) | 27.2215% | 1,319 |
| Efficiency ratio | 47.0352% | 6,552 |
| Assets per employee ($millions) | 7.0705% | 719 |
| Cash dividends to net income (ytd only)* | 21.6233% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9189% | 1,947 |
| Loan loss allowance to noncurrent loans | 777.5510% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 4,233 |
| Noncurrent loans to loans | 0.2468% | 5,613 |
| Net loans and leases to total assets | 73.4464% | 1,376 |
| Net loans and leases to deposits | 91.4035% | 1,027 |
| Net loans and leases to core deposits | 98.2221% | 1,229 |
| Total domestic deposits to total assets | 80.3540% | 5,406 |
| Equity capital to assets | 11.3420% | 2,440 |
| Core capital (leverage) ratio | 11.4041% | 2,121 |
| Tier 1 risk-based capital ratio | 13.8298% | 4,551 |
| Total risk-based capital ratio | 15.0579% | 4,518 |
| Memoranda: | ||
| Average total assets | $106,712,000 | 4,623 |
| Average earning assets | $97,218,750 | 4,634 |
| Average equity | $11,644,500 | 4,567 |
| Average total loans | $76,912,250 | 4,062 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2139% | 624 |
| Cost of funding earning assets | 1.0607% | 406 |
| Net interest margin | 4.1532% | 1,401 |
| Noninterest income to average assets | 0.3049% | 5,272 |
| Noninterest expense to average assets | 1.9190% | 6,186 |
| Loan and lease loss provision to assets | 0.1683% | 2,232 |
| Net operating income to assets | 1.8573% | 461 |
| Return on assets (ROA) | 1.8573% | 496 |
| Pretax return on assets | 1.9527% | 665 |
| Return on Equity (ROE) | 17.2451% | 534 |
| Retained earnings to average equity (ytd only) | 13.9107% | 304 |
| Net charge-offs to loans | 0.1709% | 2,754 |
| Credit loss provision to net charge-offs | 138.4615% | 1,640 |
| Earnings coverage of net charge-offs (x) | 17.4462% | 1,606 |
| Efficiency ratio | 47.5000% | 6,565 |
| Assets per employee ($millions) | 7.5789% | 545 |
| Cash dividends to net income (ytd only)* | 19.3353% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9646% | 1,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 4,835 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 69.4649% | 1,984 |
| Net loans and leases to deposits | 84.0585% | 1,800 |
| Net loans and leases to core deposits | 91.4386% | 1,768 |
| Total domestic deposits to total assets | 82.6387% | 4,839 |
| Equity capital to assets | 10.8912% | 2,859 |
| Core capital (leverage) ratio | 10.9073% | 2,446 |
| Tier 1 risk-based capital ratio | 13.9645% | 4,445 |
| Total risk-based capital ratio | 15.1956% | 4,422 |
| Memoranda: | ||
| Average total assets | $106,930,330 | 4,645 |
| Average earning assets | $96,166,000 | 4,695 |
| Average equity | $11,516,330 | 4,622 |
| Average total loans | $76,076,670 | 4,101 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 761 |
| Cost of funding earning assets | 1.0939% | 384 |
| Net interest margin | 3.9931% | 1,818 |
| Noninterest income to average assets | 0.3391% | 4,984 |
| Noninterest expense to average assets | 2.0420% | 6,024 |
| Loan and lease loss provision to assets | 0.1677% | 2,181 |
| Net operating income to assets | 1.6247% | 673 |
| Return on assets (ROA) | 1.6247% | 735 |
| Pretax return on assets | 1.7067% | 1,057 |
| Return on Equity (ROE) | 15.1698% | 727 |
| Retained earnings to average equity (ytd only) | 13.1170% | 543 |
| Net charge-offs to loans | 0.2300% | 2,065 |
| Credit loss provision to net charge-offs | 102.2727% | 1,791 |
| Earnings coverage of net charge-offs (x) | 11.4318% | 1,662 |
| Efficiency ratio | 52.1408% | 6,368 |
| Assets per employee ($millions) | 7.6691% | 569 |
| Cash dividends to net income (ytd only)* | 13.5321% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 2,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 4,991 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 69.4776% | 1,759 |
| Net loans and leases to deposits | 84.1979% | 1,574 |
| Net loans and leases to core deposits | 92.2236% | 1,485 |
| Total domestic deposits to total assets | 82.5170% | 5,023 |
| Equity capital to assets | 10.8599% | 3,125 |
| Core capital (leverage) ratio | 10.7132% | 2,538 |
| Tier 1 risk-based capital ratio | 13.5059% | 4,869 |
| Total risk-based capital ratio | 14.7448% | 4,834 |
| Memoranda: | ||
| Average total assets | $107,343,500 | 4,670 |
| Average earning assets | $96,167,000 | 4,735 |
| Average equity | $11,496,500 | 4,675 |
| Average total loans | $76,524,000 | 4,121 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5319% | 585 |
| Cost of funding earning assets | 1.2186% | 533 |
| Net interest margin | 4.3132% | 1,377 |
| Noninterest income to average assets | 0.2969% | 5,344 |
| Noninterest expense to average assets | 1.9975% | 6,332 |
| Loan and lease loss provision to assets | 0.2949% | 2,316 |
| Net operating income to assets | 1.8389% | 483 |
| Return on assets (ROA) | 1.8697% | 502 |
| Pretax return on assets | 1.9650% | 643 |
| Return on Equity (ROE) | 17.4765% | 496 |
| Retained earnings to average equity (ytd only) | 10.3187% | 541 |
| Net charge-offs to loans | 0.2643% | 3,355 |
| Credit loss provision to net charge-offs | 151.5152% | 1,795 |
| Earnings coverage of net charge-offs (x) | 11.4444% | 2,029 |
| Efficiency ratio | 47.2778% | 6,741 |
| Assets per employee ($millions) | 7.6657% | 582 |
| Cash dividends to net income (ytd only)* | 40.9569% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8857% | 2,335 |
| Loan loss allowance to noncurrent loans | 211.9708% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 4,871 |
| Noncurrent loans to loans | 0.8896% | 4,394 |
| Net loans and leases to total assets | 70.3941% | 1,764 |
| Net loans and leases to deposits | 86.0356% | 1,507 |
| Net loans and leases to core deposits | 94.0166% | 1,467 |
| Total domestic deposits to total assets | 81.8198% | 5,156 |
| Equity capital to assets | 10.5600% | 3,452 |
| Core capital (leverage) ratio | 10.3465% | 2,949 |
| Tier 1 risk-based capital ratio | 12.9833% | 5,117 |
| Total risk-based capital ratio | 14.2394% | 5,054 |
| Memoranda: | ||
| Average total assets | $101,729,200 | 4,783 |
| Average earning assets | $92,644,800 | 4,792 |
| Average equity | $10,883,200 | 4,782 |
| Average total loans | $74,906,800 | 4,178 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6140% | 546 |
| Cost of funding earning assets | 1.2435% | 571 |
| Net interest margin | 4.3705% | 1,280 |
| Noninterest income to average assets | 0.2379% | 5,852 |
| Noninterest expense to average assets | 2.0571% | 6,251 |
| Loan and lease loss provision to assets | 0.2990% | 2,203 |
| Net operating income to assets | 1.7834% | 585 |
| Return on assets (ROA) | 1.8086% | 626 |
| Pretax return on assets | 1.9016% | 869 |
| Return on Equity (ROE) | 16.8477% | 625 |
| Retained earnings to average equity (ytd only) | 12.9360% | 403 |
| Net charge-offs to loans | 0.0359% | 5,143 |
| Credit loss provision to net charge-offs | 1,125.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 81.7878% | 506 |
| Efficiency ratio | 48.6181% | 6,682 |
| Assets per employee ($millions) | 6.8113% | 809 |
| Cash dividends to net income (ytd only)* | 23.2181% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0497% | 2,035 |
| Loan loss allowance to noncurrent loans | 195.8438% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 4,632 |
| Noncurrent loans to loans | 1.0466% | 4,349 |
| Net loans and leases to total assets | 72.7317% | 1,430 |
| Net loans and leases to deposits | 89.8451% | 1,162 |
| Net loans and leases to core deposits | 98.7377% | 1,209 |
| Total domestic deposits to total assets | 80.9523% | 5,372 |
| Equity capital to assets | 11.0678% | 3,190 |
| Core capital (leverage) ratio | 10.5446% | 2,863 |
| Tier 1 risk-based capital ratio | 13.2630% | 5,045 |
| Total risk-based capital ratio | 14.5212% | 5,007 |
| Memoranda: | ||
| Average total assets | $100,331,500 | 4,868 |
| Average earning assets | $91,672,750 | 4,862 |
| Average equity | $10,770,750 | 4,855 |
| Average total loans | $74,383,750 | 4,247 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6634% | 516 |
| Cost of funding earning assets | 1.2588% | 623 |
| Net interest margin | 4.4046% | 1,192 |
| Noninterest income to average assets | 0.2427% | 5,840 |
| Noninterest expense to average assets | 2.0738% | 6,283 |
| Loan and lease loss provision to assets | 0.3008% | 2,178 |
| Net operating income to assets | 1.7971% | 568 |
| Return on assets (ROA) | 1.8352% | 597 |
| Pretax return on assets | 1.9294% | 806 |
| Return on Equity (ROE) | 17.2777% | 603 |
| Retained earnings to average equity (ytd only) | 13.5767% | 380 |
| Net charge-offs to loans | -0.0108% | 6,296 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6359% | 6,736 |
| Assets per employee ($millions) | 6.7869% | 823 |
| Cash dividends to net income (ytd only)* | 21.4208% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 2,177 |
| Loan loss allowance to noncurrent loans | 864.3678% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 6,112 |
| Noncurrent loans to loans | 0.2338% | 6,106 |
| Net loans and leases to total assets | 71.6386% | 1,620 |
| Net loans and leases to deposits | 88.2493% | 1,348 |
| Net loans and leases to core deposits | 97.6345% | 1,300 |
| Total domestic deposits to total assets | 81.1776% | 5,402 |
| Equity capital to assets | 10.7756% | 3,370 |
| Core capital (leverage) ratio | 10.4604% | 2,846 |
| Tier 1 risk-based capital ratio | 13.0550% | 5,147 |
| Total risk-based capital ratio | 14.3081% | 5,124 |
| Memoranda: | ||
| Average total assets | $99,718,670 | 4,904 |
| Average earning assets | $91,041,000 | 4,896 |
| Average equity | $10,591,670 | 4,895 |
| Average total loans | $73,890,000 | 4,282 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6694% | 550 |
| Cost of funding earning assets | 1.2793% | 686 |
| Net interest margin | 4.3901% | 1,252 |
| Noninterest income to average assets | 0.2959% | 5,502 |
| Noninterest expense to average assets | 2.3106% | 5,740 |
| Loan and lease loss provision to assets | 0.3040% | 2,069 |
| Net operating income to assets | 1.6580% | 781 |
| Return on assets (ROA) | 1.7350% | 757 |
| Pretax return on assets | 1.8242% | 1,026 |
| Return on Equity (ROE) | 16.4576% | 746 |
| Retained earnings to average equity (ytd only) | 13.5352% | 617 |
| Net charge-offs to loans | -0.0217% | 6,211 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0233% | 6,432 |
| Assets per employee ($millions) | 6.5375% | 954 |
| Cash dividends to net income (ytd only)* | 17.7570% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9301% | 2,589 |
| Loan loss allowance to noncurrent loans | 578.5425% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 5,977 |
| Noncurrent loans to loans | 0.3336% | 6,001 |
| Net loans and leases to total assets | 74.0450% | 1,053 |
| Net loans and leases to deposits | 90.0198% | 959 |
| Net loans and leases to core deposits | 99.0316% | 1,049 |
| Total domestic deposits to total assets | 82.2541% | 5,213 |
| Equity capital to assets | 10.7779% | 3,177 |
| Core capital (leverage) ratio | 10.3328% | 2,952 |
| Tier 1 risk-based capital ratio | 12.7779% | 5,385 |
| Total risk-based capital ratio | 14.0035% | 5,372 |
| Memoranda: | ||
| Average total assets | $98,676,000 | 4,963 |
| Average earning assets | $91,296,500 | 4,926 |
| Average equity | $10,402,500 | 4,940 |
| Average total loans | $73,617,500 | 4,326 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7214% | 747 |
| Cost of funding earning assets | 1.4021% | 1,031 |
| Net interest margin | 4.3193% | 1,636 |
| Noninterest income to average assets | 0.2558% | 5,700 |
| Noninterest expense to average assets | 1.9819% | 6,703 |
| Loan and lease loss provision to assets | 0.4970% | 2,119 |
| Net operating income to assets | 1.6907% | 562 |
| Return on assets (ROA) | 1.6868% | 599 |
| Pretax return on assets | 1.7727% | 852 |
| Return on Equity (ROE) | 16.7245% | 504 |
| Retained earnings to average equity (ytd only) | 9.4351% | 686 |
| Net charge-offs to loans | 0.1501% | 4,941 |
| Credit loss provision to net charge-offs | 457.1429% | 493 |
| Earnings coverage of net charge-offs (x) | 20.9143% | 1,114 |
| Efficiency ratio | 46.5693% | 7,020 |
| Assets per employee ($millions) | 6.6193% | 891 |
| Cash dividends to net income (ytd only)* | 43.5850% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 2,729 |
| Loan loss allowance to noncurrent loans | 345.2685% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 5,270 |
| Noncurrent loans to loans | 0.5342% | 5,647 |
| Net loans and leases to total assets | 72.3598% | 1,581 |
| Net loans and leases to deposits | 90.3882% | 1,115 |
| Net loans and leases to core deposits | 98.6096% | 1,292 |
| Total domestic deposits to total assets | 80.0544% | 5,728 |
| Equity capital to assets | 10.3092% | 3,775 |
| Core capital (leverage) ratio | 9.8324% | 3,540 |
| Tier 1 risk-based capital ratio | 12.2533% | 5,645 |
| Total risk-based capital ratio | 13.5085% | 5,613 |
| Memoranda: | ||
| Average total assets | $96,575,400 | 4,990 |
| Average earning assets | $89,436,800 | 4,950 |
| Average equity | $9,740,200 | 5,088 |
| Average total loans | $69,935,800 | 4,496 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7380% | 791 |
| Cost of funding earning assets | 1.4199% | 1,153 |
| Net interest margin | 4.3181% | 1,650 |
| Noninterest income to average assets | 0.1974% | 6,182 |
| Noninterest expense to average assets | 1.9826% | 6,725 |
| Loan and lease loss provision to assets | 0.5005% | 1,981 |
| Net operating income to assets | 1.6306% | 737 |
| Return on assets (ROA) | 1.6253% | 816 |
| Pretax return on assets | 1.7087% | 1,128 |
| Return on Equity (ROE) | 16.2083% | 655 |
| Retained earnings to average equity (ytd only) | 11.8408% | 514 |
| Net charge-offs to loans | 0.1215% | 4,820 |
| Credit loss provision to net charge-offs | 571.4286% | 480 |
| Earnings coverage of net charge-offs (x) | 25.2851% | 1,053 |
| Efficiency ratio | 47.2342% | 7,002 |
| Assets per employee ($millions) | 6.5819% | 909 |
| Cash dividends to net income (ytd only)* | 26.9461% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 3,185 |
| Loan loss allowance to noncurrent loans | 352.3546% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 5,304 |
| Noncurrent loans to loans | 0.4897% | 5,870 |
| Net loans and leases to total assets | 73.3784% | 1,432 |
| Net loans and leases to deposits | 93.5462% | 877 |
| Net loans and leases to core deposits | 102.2945% | 1,081 |
| Total domestic deposits to total assets | 78.4408% | 6,107 |
| Equity capital to assets | 10.3233% | 3,928 |
| Core capital (leverage) ratio | 9.8441% | 3,656 |
| Tier 1 risk-based capital ratio | 12.0343% | 5,867 |
| Total risk-based capital ratio | 13.2890% | 5,853 |
| Memoranda: | ||
| Average total assets | $95,896,750 | 5,045 |
| Average earning assets | $88,833,250 | 4,998 |
| Average equity | $9,616,250 | 5,150 |
| Average total loans | $69,120,750 | 4,565 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7420% | 811 |
| Cost of funding earning assets | 1.4287% | 1,286 |
| Net interest margin | 4.3133% | 1,616 |
| Noninterest income to average assets | 0.2022% | 6,222 |
| Noninterest expense to average assets | 1.9083% | 6,937 |
| Loan and lease loss provision to assets | 0.5055% | 1,938 |
| Net operating income to assets | 1.6994% | 603 |
| Return on assets (ROA) | 1.6914% | 659 |
| Pretax return on assets | 1.7798% | 915 |
| Return on Equity (ROE) | 17.0410% | 548 |
| Retained earnings to average equity (ytd only) | 12.5844% | 442 |
| Net charge-offs to loans | 0.1835% | 4,061 |
| Credit loss provision to net charge-offs | 387.0968% | 779 |
| Earnings coverage of net charge-offs (x) | 17.5645% | 1,291 |
| Efficiency ratio | 45.4135% | 7,182 |
| Assets per employee ($millions) | 7.5098% | 564 |
| Cash dividends to net income (ytd only)* | 26.1519% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 3,469 |
| Loan loss allowance to noncurrent loans | 352.5994% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 5,012 |
| Noncurrent loans to loans | 0.4696% | 5,965 |
| Net loans and leases to total assets | 70.1448% | 2,192 |
| Net loans and leases to deposits | 87.9506% | 1,506 |
| Net loans and leases to core deposits | 95.8192% | 1,700 |
| Total domestic deposits to total assets | 79.7548% | 5,891 |
| Equity capital to assets | 10.0166% | 4,126 |
| Core capital (leverage) ratio | 9.7311% | 3,623 |
| Tier 1 risk-based capital ratio | 12.3314% | 5,492 |
| Total risk-based capital ratio | 13.5848% | 5,470 |
| Memoranda: | ||
| Average total assets | $94,953,000 | 5,112 |
| Average earning assets | $88,053,000 | 5,058 |
| Average equity | $9,424,330 | 5,206 |
| Average total loans | $67,588,670 | 4,655 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7716% | 778 |
| Cost of funding earning assets | 1.4487% | 1,392 |
| Net interest margin | 4.3229% | 1,496 |
| Noninterest income to average assets | 0.1923% | 6,349 |
| Noninterest expense to average assets | 1.9142% | 6,966 |
| Loan and lease loss provision to assets | 0.5127% | 1,697 |
| Net operating income to assets | 1.6835% | 588 |
| Return on assets (ROA) | 1.6835% | 623 |
| Pretax return on assets | 1.7689% | 865 |
| Return on Equity (ROE) | 17.0434% | 568 |
| Retained earnings to average equity (ytd only) | 17.0434% | 277 |
| Net charge-offs to loans | 0.1382% | 3,684 |
| Credit loss provision to net charge-offs | 521.7391% | 692 |
| Earnings coverage of net charge-offs (x) | 23.2174% | 1,025 |
| Efficiency ratio | 45.6212% | 7,219 |
| Assets per employee ($millions) | 6.2477% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6046% | 3,707 |
| Loan loss allowance to noncurrent loans | 216.5657% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 1.2559% | 4,437 |
| Noncurrent loans to loans | 0.7409% | 5,533 |
| Net loans and leases to total assets | 70.1449% | 2,097 |
| Net loans and leases to deposits | 85.7189% | 1,774 |
| Net loans and leases to core deposits | 91.9116% | 2,141 |
| Total domestic deposits to total assets | 81.8313% | 5,377 |
| Equity capital to assets | 10.0730% | 3,679 |
| Core capital (leverage) ratio | 9.9493% | 3,202 |
| Tier 1 risk-based capital ratio | 12.5930% | 5,177 |
| Total risk-based capital ratio | 13.8461% | 5,147 |
| Memoranda: | ||
| Average total assets | $93,615,500 | 5,182 |
| Average earning assets | $86,700,500 | 5,136 |
| Average equity | $9,247,000 | 5,247 |
| Average total loans | $66,566,000 | 4,750 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1532% | 628 |
| Cost of funding earning assets | 1.6736% | 1,717 |
| Net interest margin | 4.4796% | 1,277 |
| Noninterest income to average assets | 0.3485% | 5,309 |
| Noninterest expense to average assets | 2.5037% | 5,781 |
| Loan and lease loss provision to assets | 0.8459% | 1,938 |
| Net operating income to assets | 1.0086% | 2,013 |
| Return on assets (ROA) | 0.9936% | 2,167 |
| Pretax return on assets | 1.0432% | 2,801 |
| Return on Equity (ROE) | 9.9165% | 1,960 |
| Retained earnings to average equity (ytd only) | 4.8175% | 2,533 |
| Net charge-offs to loans | 0.3814% | 4,135 |
| Credit loss provision to net charge-offs | 307.3770% | 863 |
| Earnings coverage of net charge-offs (x) | 6.9221% | 2,240 |
| Efficiency ratio | 56.7920% | 6,491 |
| Assets per employee ($millions) | 6.2343% | 1,069 |
| Cash dividends to net income (ytd only)* | 51.4188% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 4,185 |
| Loan loss allowance to noncurrent loans | 273.8764% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 1.1132% | 4,786 |
| Noncurrent loans to loans | 0.5368% | 5,974 |
| Net loans and leases to total assets | 69.8797% | 2,559 |
| Net loans and leases to deposits | 85.1296% | 2,257 |
| Net loans and leases to core deposits | 90.0408% | 2,759 |
| Total domestic deposits to total assets | 82.0863% | 5,160 |
| Equity capital to assets | 9.6819% | 4,165 |
| Core capital (leverage) ratio | 9.5870% | 3,578 |
| Tier 1 risk-based capital ratio | 12.0570% | 5,421 |
| Total risk-based capital ratio | 13.3086% | 5,402 |
| Memoranda: | ||
| Average total assets | $88,668,000 | 5,331 |
| Average earning assets | $80,364,400 | 5,333 |
| Average equity | $8,884,200 | 5,452 |
| Average total loans | $63,980,000 | 4,914 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3270% | 481 |
| Cost of funding earning assets | 1.7005% | 1,877 |
| Net interest margin | 4.6265% | 987 |
| Noninterest income to average assets | 0.2653% | 5,993 |
| Noninterest expense to average assets | 2.4484% | 5,888 |
| Loan and lease loss provision to assets | 0.9147% | 1,654 |
| Net operating income to assets | 1.0245% | 2,156 |
| Return on assets (ROA) | 0.9955% | 2,365 |
| Pretax return on assets | 1.0443% | 3,019 |
| Return on Equity (ROE) | 9.8469% | 2,183 |
| Retained earnings to average equity (ytd only) | 9.8469% | 828 |
| Net charge-offs to loans | 0.4417% | 3,536 |
| Credit loss provision to net charge-offs | 285.7143% | 1,128 |
| Earnings coverage of net charge-offs (x) | 6.2144% | 2,572 |
| Efficiency ratio | 55.1700% | 6,660 |
| Assets per employee ($millions) | 6.2615% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,740 |
| Loan loss allowance to noncurrent loans | 200.2331% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4636% | 4,258 |
| Noncurrent loans to loans | 0.6711% | 5,858 |
| Net loans and leases to total assets | 71.9465% | 2,260 |
| Net loans and leases to deposits | 89.3341% | 1,812 |
| Net loans and leases to core deposits | 96.0817% | 2,250 |
| Total domestic deposits to total assets | 80.5364% | 5,532 |
| Equity capital to assets | 10.7665% | 3,206 |
| Core capital (leverage) ratio | 10.1173% | 3,130 |
| Tier 1 risk-based capital ratio | 12.8299% | 4,709 |
| Total risk-based capital ratio | 14.0442% | 4,711 |
| Memoranda: | ||
| Average total assets | $87,456,250 | 5,427 |
| Average earning assets | $78,876,750 | 5,444 |
| Average equity | $8,841,750 | 5,540 |
| Average total loans | $63,394,250 | 5,007 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3249% | 490 |
| Cost of funding earning assets | 1.6958% | 2,140 |
| Net interest margin | 4.6291% | 934 |
| Noninterest income to average assets | 0.2266% | 6,293 |
| Noninterest expense to average assets | 2.2291% | 6,575 |
| Loan and lease loss provision to assets | 0.8582% | 1,695 |
| Net operating income to assets | 1.2372% | 1,459 |
| Return on assets (ROA) | 1.2198% | 1,568 |
| Pretax return on assets | 1.2816% | 2,147 |
| Return on Equity (ROE) | 12.3337% | 1,376 |
| Retained earnings to average equity (ytd only) | 12.3337% | 444 |
| Net charge-offs to loans | 0.5442% | 2,898 |
| Credit loss provision to net charge-offs | 218.0233% | 1,791 |
| Earnings coverage of net charge-offs (x) | 5.4826% | 2,658 |
| Efficiency ratio | 50.8086% | 7,170 |
| Assets per employee ($millions) | 6.7826% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 6,236 |
| Loan loss allowance to noncurrent loans | 82.6568% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 2.3181% | 3,114 |
| Noncurrent loans to loans | 1.2566% | 4,866 |
| Net loans and leases to total assets | 72.6132% | 2,252 |
| Net loans and leases to deposits | 91.0016% | 1,691 |
| Net loans and leases to core deposits | 97.6066% | 2,273 |
| Total domestic deposits to total assets | 79.7934% | 5,791 |
| Equity capital to assets | 10.4986% | 3,412 |
| Core capital (leverage) ratio | 10.1062% | 3,056 |
| Tier 1 risk-based capital ratio | 12.4103% | 4,935 |
| Total risk-based capital ratio | 13.3414% | 5,200 |
| Memoranda: | ||
| Average total assets | $87,388,000 | 5,470 |
| Average earning assets | $78,546,330 | 5,490 |
| Average equity | $8,643,000 | 5,597 |
| Average total loans | $63,216,330 | 5,047 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3109% | 521 |
| Cost of funding earning assets | 1.6938% | 2,422 |
| Net interest margin | 4.6171% | 917 |
| Noninterest income to average assets | 0.2483% | 6,164 |
| Noninterest expense to average assets | 2.0921% | 6,963 |
| Loan and lease loss provision to assets | 0.6897% | 1,846 |
| Net operating income to assets | 1.5477% | 822 |
| Return on assets (ROA) | 1.5127% | 941 |
| Pretax return on assets | 1.5909% | 1,287 |
| Return on Equity (ROE) | 15.7869% | 750 |
| Retained earnings to average equity (ytd only) | 15.7869% | 355 |
| Net charge-offs to loans | 0.1345% | 4,142 |
| Credit loss provision to net charge-offs | 714.2857% | 629 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,036 |
| Efficiency ratio | 47.4453% | 7,479 |
| Assets per employee ($millions) | 6.7224% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 6,683 |
| Loan loss allowance to noncurrent loans | 95.0715% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 2.2211% | 3,249 |
| Noncurrent loans to loans | 0.9955% | 5,331 |
| Net loans and leases to total assets | 71.6172% | 2,542 |
| Net loans and leases to deposits | 89.4241% | 1,998 |
| Net loans and leases to core deposits | 96.0881% | 2,577 |
| Total domestic deposits to total assets | 80.0872% | 5,753 |
| Equity capital to assets | 10.3008% | 3,472 |
| Core capital (leverage) ratio | 10.1966% | 2,932 |
| Tier 1 risk-based capital ratio | 12.3868% | 4,843 |
| Total risk-based capital ratio | 13.2330% | 5,173 |
| Memoranda: | ||
| Average total assets | $86,995,000 | 5,547 |
| Average earning assets | $78,403,500 | 5,564 |
| Average equity | $8,336,000 | 5,732 |
| Average total loans | $62,475,500 | 5,152 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2141% | 1,203 |
| Cost of funding earning assets | 2.0648% | 2,657 |
| Net interest margin | 4.1493% | 2,251 |
| Noninterest income to average assets | 0.3916% | 5,281 |
| Noninterest expense to average assets | 2.0803% | 7,226 |
| Loan and lease loss provision to assets | 2.0118% | 1,071 |
| Net operating income to assets | 0.0889% | 5,239 |
| Return on assets (ROA) | 0.0889% | 5,283 |
| Pretax return on assets | 0.0913% | 5,240 |
| Return on Equity (ROE) | 0.9577% | 5,248 |
| Retained earnings to average equity (ytd only) | 0.9577% | 4,362 |
| Net charge-offs to loans | 2.9412% | 730 |
| Credit loss provision to net charge-offs | 93.2628% | 5,883 |
| Earnings coverage of net charge-offs (x) | 0.9749% | 5,141 |
| Efficiency ratio | 49.7272% | 7,553 |
| Assets per employee ($millions) | 6.6615% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 7,235 |
| Loan loss allowance to noncurrent loans | 147.9495% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 1.8661% | 3,575 |
| Noncurrent loans to loans | 0.5132% | 6,227 |
| Net loans and leases to total assets | 70.7826% | 3,060 |
| Net loans and leases to deposits | 85.6091% | 2,981 |
| Net loans and leases to core deposits | 105.8414% | 3,360 |
| Total domestic deposits to total assets | 82.6811% | 4,670 |
| Equity capital to assets | 8.8569% | 5,349 |
| Core capital (leverage) ratio | 8.2990% | 5,621 |
| Tier 1 risk-based capital ratio | 10.6917% | 6,215 |
| Total risk-based capital ratio | 11.3671% | 6,742 |
| Memoranda: | ||
| Average total assets | $83,257,200 | 5,619 |
| Average earning assets | $76,084,600 | 5,600 |
| Average equity | $7,727,000 | 6,017 |
| Average total loans | $61,063,000 | 5,206 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2414% | 1,263 |
| Cost of funding earning assets | 2.1087% | 2,850 |
| Net interest margin | 4.1327% | 2,278 |
| Noninterest income to average assets | 0.2944% | 6,123 |
| Noninterest expense to average assets | 2.0722% | 7,235 |
| Loan and lease loss provision to assets | 1.7147% | 1,082 |
| Net operating income to assets | 0.2847% | 4,842 |
| Return on assets (ROA) | 0.2847% | 4,950 |
| Pretax return on assets | 0.2960% | 5,074 |
| Return on Equity (ROE) | 3.0313% | 4,780 |
| Retained earnings to average equity (ytd only) | 3.0313% | 3,633 |
| Net charge-offs to loans | 1.1672% | 1,734 |
| Credit loss provision to net charge-offs | 198.8743% | 2,253 |
| Earnings coverage of net charge-offs (x) | 2.3321% | 4,074 |
| Efficiency ratio | 50.7528% | 7,504 |
| Assets per employee ($millions) | 6.1451% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8308% | 2,192 |
| Loan loss allowance to noncurrent loans | 59.0069% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 3.1163% | 2,196 |
| Noncurrent loans to loans | 3.1026% | 2,432 |
| Net loans and leases to total assets | 69.6206% | 3,596 |
| Net loans and leases to deposits | 85.8576% | 3,344 |
| Net loans and leases to core deposits | 109.5652% | 3,285 |
| Total domestic deposits to total assets | 81.0884% | 5,045 |
| Equity capital to assets | 9.1210% | 5,305 |
| Core capital (leverage) ratio | 8.7017% | 5,124 |
| Tier 1 risk-based capital ratio | 11.0861% | 5,866 |
| Total risk-based capital ratio | 12.3411% | 5,817 |
| Memoranda: | ||
| Average total assets | $82,421,750 | 5,678 |
| Average earning assets | $75,558,250 | 5,651 |
| Average equity | $7,741,250 | 6,067 |
| Average total loans | $60,887,250 | 5,247 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1975% | 1,464 |
| Cost of funding earning assets | 2.1020% | 3,255 |
| Net interest margin | 4.0955% | 2,335 |
| Noninterest income to average assets | 0.2832% | 6,239 |
| Noninterest expense to average assets | 2.1227% | 7,231 |
| Loan and lease loss provision to assets | 1.1820% | 1,458 |
| Net operating income to assets | 0.7511% | 3,040 |
| Return on assets (ROA) | 0.7511% | 3,143 |
| Pretax return on assets | 0.7880% | 3,709 |
| Return on Equity (ROE) | 7.9159% | 2,809 |
| Retained earnings to average equity (ytd only) | 7.9159% | 1,239 |
| Net charge-offs to loans | 1.2852% | 1,441 |
| Credit loss provision to net charge-offs | 122.7621% | 3,789 |
| Earnings coverage of net charge-offs (x) | 2.0460% | 4,060 |
| Efficiency ratio | 51.8652% | 7,527 |
| Assets per employee ($millions) | 6.1467% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 5,475 |
| Loan loss allowance to noncurrent loans | 24.5747% | 6,867 |
| Noncurrent assets plus other real estate owned to assets | 3.4560% | 1,801 |
| Noncurrent loans to loans | 4.5472% | 1,414 |
| Net loans and leases to total assets | 69.8213% | 3,746 |
| Net loans and leases to deposits | 85.1470% | 3,706 |
| Net loans and leases to core deposits | 108.4568% | 3,562 |
| Total domestic deposits to total assets | 82.0008% | 4,693 |
| Equity capital to assets | 9.0896% | 5,177 |
| Core capital (leverage) ratio | 9.1055% | 4,454 |
| Tier 1 risk-based capital ratio | 11.2514% | 5,642 |
| Total risk-based capital ratio | 12.2494% | 5,808 |
| Memoranda: | ||
| Average total assets | $81,218,330 | 5,752 |
| Average earning assets | $75,546,000 | 5,692 |
| Average equity | $7,706,000 | 6,119 |
| Average total loans | $60,845,330 | 5,296 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5200% | 833 |
| Cost of funding earning assets | 2.1498% | 3,412 |
| Net interest margin | 4.3702% | 1,424 |
| Noninterest income to average assets | 0.2487% | 6,467 |
| Noninterest expense to average assets | 2.0254% | 7,289 |
| Loan and lease loss provision to assets | 0.7614% | 1,687 |
| Net operating income to assets | 1.4721% | 993 |
| Return on assets (ROA) | 1.4721% | 1,069 |
| Pretax return on assets | 1.5482% | 1,537 |
| Return on Equity (ROE) | 15.1674% | 950 |
| Retained earnings to average equity (ytd only) | 15.1674% | 398 |
| Net charge-offs to loans | 0.9920% | 1,358 |
| Credit loss provision to net charge-offs | 99.3377% | 3,814 |
| Earnings coverage of net charge-offs (x) | 3.0132% | 3,303 |
| Efficiency ratio | 46.7213% | 7,810 |
| Assets per employee ($millions) | 5.7632% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 6,466 |
| Loan loss allowance to noncurrent loans | 87.7794% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.0956% | 4,495 |
| Noncurrent loans to loans | 1.0875% | 4,810 |
| Net loans and leases to total assets | 75.7439% | 2,334 |
| Net loans and leases to deposits | 91.4593% | 2,701 |
| Net loans and leases to core deposits | 116.2593% | 2,776 |
| Total domestic deposits to total assets | 82.8171% | 4,234 |
| Equity capital to assets | 9.7267% | 4,341 |
| Core capital (leverage) ratio | 9.7568% | 3,683 |
| Tier 1 risk-based capital ratio | 11.7515% | 5,167 |
| Total risk-based capital ratio | 12.6575% | 5,402 |
| Memoranda: | ||
| Average total assets | $78,800,500 | 5,864 |
| Average earning assets | $73,681,500 | 5,784 |
| Average equity | $7,648,000 | 6,172 |
| Average total loans | $60,886,500 | 5,327 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7652% | 1,802 |
| Cost of funding earning assets | 2.6071% | 3,653 |
| Net interest margin | 4.1581% | 2,470 |
| Noninterest income to average assets | 0.4150% | 5,347 |
| Noninterest expense to average assets | 2.4336% | 6,285 |
| Loan and lease loss provision to assets | 0.2964% | 4,012 |
| Net operating income to assets | 1.3723% | 1,293 |
| Return on assets (ROA) | 1.3820% | 1,226 |
| Pretax return on assets | 1.5980% | 1,389 |
| Return on Equity (ROE) | 13.8289% | 1,140 |
| Retained earnings to average equity (ytd only) | 11.0038% | 326 |
| Net charge-offs to loans | 0.0350% | 6,317 |
| Credit loss provision to net charge-offs | 1,105.2632% | 400 |
| Earnings coverage of net charge-offs (x) | 70.2105% | 580 |
| Efficiency ratio | 56.3767% | 6,958 |
| Assets per employee ($millions) | 5.4940% | 1,464 |
| Cash dividends to net income (ytd only)* | 20.4290% | 4,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 6,193 |
| Loan loss allowance to noncurrent loans | 163.8889% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 5,697 |
| Noncurrent loans to loans | 0.5993% | 5,575 |
| Net loans and leases to total assets | 77.3311% | 2,304 |
| Net loans and leases to deposits | 94.5132% | 2,686 |
| Net loans and leases to core deposits | 119.7817% | 2,710 |
| Total domestic deposits to total assets | 81.8204% | 4,269 |
| Equity capital to assets | 9.6833% | 4,444 |
| Core capital (leverage) ratio | 9.9178% | 3,526 |
| Tier 1 risk-based capital ratio | 11.5723% | 5,174 |
| Total risk-based capital ratio | 12.5012% | 5,370 |
| Memoranda: | ||
| Average total assets | $70,840,400 | 6,006 |
| Average earning assets | $66,473,000 | 5,953 |
| Average equity | $7,079,400 | 6,434 |
| Average total loans | $54,360,600 | 5,512 |