Home > First State Bank of Bedias > Performance and Condition Ratios
First State Bank of Bedias, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9121% | 712 |
| Cost of funding earning assets | 0.6394% | 4,016 |
| Net interest margin | 5.2727% | 245 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.1598% | 3,222 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 3.0035% | 160 |
| Return on assets (ROA) | 3.0035% | 157 |
| Pretax return on assets | 3.0035% | 204 |
| Return on Equity (ROE) | 20.1900% | 598 |
| Retained earnings to average equity (ytd only) | 9.6566% | 1,103 |
| Net charge-offs to loans | 0.1374% | 730 |
| Credit loss provision to net charge-offs | 124.2236% | 1,642 |
| Earnings coverage of net charge-offs (x) | 38.9193% | 1,461 |
| Efficiency ratio | 41.0425% | 4,343 |
| Assets per employee ($millions) | 9.5300% | 822 |
| Cash dividends to net income (ytd only)* | 52.1596% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6749% | 709 |
| Loan loss allowance to noncurrent loans | 371.7712% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 1,871 |
| Noncurrent loans to loans | 0.4505% | 1,654 |
| Net loans and leases to total assets | 59.1100% | 2,934 |
| Net loans and leases to deposits | 70.8477% | 2,827 |
| Net loans and leases to core deposits | 77.5158% | 2,878 |
| Total domestic deposits to total assets | 83.4300% | 2,772 |
| Equity capital to assets | 16.0605% | 457 |
| Core capital (leverage) ratio | 17.4629% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $201,965,400 | 2,979 |
| Average earning assets | $183,759,200 | 2,977 |
| Average equity | $30,052,000 | 2,257 |
| Average total loans | $117,180,800 | 2,987 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8059% | 679 |
| Cost of funding earning assets | 0.5359% | 4,082 |
| Net interest margin | 5.2700% | 231 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.1552% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.0918% | 167 |
| Return on assets (ROA) | 3.0918% | 169 |
| Pretax return on assets | 3.0918% | 215 |
| Return on Equity (ROE) | 21.1900% | 622 |
| Retained earnings to average equity (ytd only) | 6.9082% | 2,322 |
| Net charge-offs to loans | 0.1535% | 549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 35.0299% | 1,517 |
| Efficiency ratio | 41.0746% | 4,332 |
| Assets per employee ($millions) | 9.5879% | 775 |
| Cash dividends to net income (ytd only)* | 67.4052% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 1,011 |
| Loan loss allowance to noncurrent loans | 338.6029% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.2702% | 1,923 |
| Noncurrent loans to loans | 0.4550% | 1,687 |
| Net loans and leases to total assets | 58.4600% | 2,990 |
| Net loans and leases to deposits | 68.8393% | 2,921 |
| Net loans and leases to core deposits | 76.1092% | 2,857 |
| Total domestic deposits to total assets | 84.9200% | 2,520 |
| Equity capital to assets | 14.5789% | 578 |
| Core capital (leverage) ratio | 16.8661% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $202,424,000 | 2,978 |
| Average earning assets | $184,358,750 | 2,991 |
| Average equity | $29,529,500 | 2,271 |
| Average total loans | $116,399,000 | 2,997 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6968% | 638 |
| Cost of funding earning assets | 0.4144% | 4,139 |
| Net interest margin | 5.2824% | 218 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.1353% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.1492% | 138 |
| Return on assets (ROA) | 3.1492% | 136 |
| Pretax return on assets | 3.1492% | 183 |
| Return on Equity (ROE) | 21.5800% | 574 |
| Retained earnings to average equity (ytd only) | 6.5702% | 2,430 |
| Net charge-offs to loans | 0.0694% | 867 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 79.8250% | 1,053 |
| Efficiency ratio | 40.4069% | 4,384 |
| Assets per employee ($millions) | 9.3815% | 808 |
| Cash dividends to net income (ytd only)* | 69.5584% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 896 |
| Loan loss allowance to noncurrent loans | 257.1049% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 1,393 |
| Noncurrent loans to loans | 0.6303% | 1,187 |
| Net loans and leases to total assets | 59.6500% | 2,805 |
| Net loans and leases to deposits | 70.6159% | 2,738 |
| Net loans and leases to core deposits | 76.6473% | 2,716 |
| Total domestic deposits to total assets | 84.4800% | 2,701 |
| Equity capital to assets | 15.1285% | 513 |
| Core capital (leverage) ratio | 16.5049% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $202,783,333 | 2,982 |
| Average earning assets | $185,825,000 | 2,990 |
| Average equity | $29,588,000 | 2,280 |
| Average total loans | $115,348,333 | 3,002 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4801% | 641 |
| Cost of funding earning assets | 0.3481% | 4,079 |
| Net interest margin | 5.1320% | 243 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.1763% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.9173% | 162 |
| Return on assets (ROA) | 2.9173% | 161 |
| Pretax return on assets | 2.9173% | 217 |
| Return on Equity (ROE) | 20.3500% | 717 |
| Retained earnings to average equity (ytd only) | 7.9377% | 2,236 |
| Net charge-offs to loans | 0.0424% | 934 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 690 |
| Efficiency ratio | 42.7262% | 4,358 |
| Assets per employee ($millions) | 9.2640% | 852 |
| Cash dividends to net income (ytd only)* | 61.0000% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 736 |
| Loan loss allowance to noncurrent loans | 263.2708% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 1,406 |
| Noncurrent loans to loans | 0.6609% | 1,142 |
| Net loans and leases to total assets | 54.4200% | 3,166 |
| Net loans and leases to deposits | 63.9304% | 3,091 |
| Net loans and leases to core deposits | 69.2770% | 3,000 |
| Total domestic deposits to total assets | 85.1200% | 2,825 |
| Equity capital to assets | 14.5573% | 525 |
| Core capital (leverage) ratio | 15.9073% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $205,669,000 | 2,995 |
| Average earning assets | $188,465,000 | 3,007 |
| Average equity | $29,479,500 | 2,312 |
| Average total loans | $113,292,500 | 3,056 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 1,068 |
| Cost of funding earning assets | 0.2519% | 3,303 |
| Net interest margin | 4.0400% | 736 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.9079% | 3,810 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 2.0768% | 256 |
| Return on assets (ROA) | 2.0768% | 247 |
| Pretax return on assets | 2.0768% | 397 |
| Return on Equity (ROE) | 15.1000% | 1,233 |
| Retained earnings to average equity (ytd only) | 9.9701% | 1,163 |
| Net charge-offs to loans | 0.0019% | 2,473 |
| Credit loss provision to net charge-offs | 12,500.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 2,289.5000% | 71 |
| Efficiency ratio | 46.4820% | 4,318 |
| Assets per employee ($millions) | 9.8824% | 701 |
| Cash dividends to net income (ytd only)* | 33.9801% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,292 |
| Loan loss allowance to noncurrent loans | 206.8069% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 1,312 |
| Noncurrent loans to loans | 0.7106% | 1,056 |
| Net loans and leases to total assets | 53.9900% | 3,201 |
| Net loans and leases to deposits | 63.1160% | 3,106 |
| Net loans and leases to core deposits | 67.8030% | 3,029 |
| Total domestic deposits to total assets | 85.5400% | 2,845 |
| Equity capital to assets | 14.1136% | 564 |
| Core capital (leverage) ratio | 15.5513% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $208,449,800 | 2,986 |
| Average earning assets | $192,102,400 | 2,990 |
| Average equity | $28,665,800 | 2,398 |
| Average total loans | $107,588,200 | 3,050 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 1,261 |
| Cost of funding earning assets | 0.2508% | 2,699 |
| Net interest margin | 3.7516% | 1,031 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.8816% | 3,792 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.7992% | 433 |
| Return on assets (ROA) | 1.7992% | 424 |
| Pretax return on assets | 1.7992% | 733 |
| Return on Equity (ROE) | 13.1700% | 1,652 |
| Retained earnings to average equity (ytd only) | 6.2901% | 2,638 |
| Net charge-offs to loans | -0.0314% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.9935% | 4,219 |
| Assets per employee ($millions) | 10.5829% | 556 |
| Cash dividends to net income (ytd only)* | 52.2372% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 1,246 |
| Loan loss allowance to noncurrent loans | 228.5330% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 1,544 |
| Noncurrent loans to loans | 0.6642% | 1,228 |
| Net loans and leases to total assets | 52.0500% | 3,273 |
| Net loans and leases to deposits | 60.0361% | 3,200 |
| Net loans and leases to core deposits | 64.6098% | 3,063 |
| Total domestic deposits to total assets | 86.7000% | 2,855 |
| Equity capital to assets | 13.0031% | 676 |
| Core capital (leverage) ratio | 14.5199% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $208,679,750 | 3,008 |
| Average earning assets | $192,410,000 | 3,011 |
| Average equity | $28,509,750 | 2,436 |
| Average total loans | $106,057,250 | 3,079 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 1,975 |
| Cost of funding earning assets | 0.2532% | 2,219 |
| Net interest margin | 3.3025% | 1,903 |
| Noninterest income to average assets | 0.4131% | 2,672 |
| Noninterest expense to average assets | 1.8383% | 3,864 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6265% | 516 |
| Return on assets (ROA) | 1.6265% | 504 |
| Pretax return on assets | 1.6265% | 891 |
| Return on Equity (ROE) | 11.7133% | 1,756 |
| Retained earnings to average equity (ytd only) | 4.6742% | 2,828 |
| Net charge-offs to loans | 0.1345% | 478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 24.1286% | 1,480 |
| Efficiency ratio | 53.0573% | 4,041 |
| Assets per employee ($millions) | 10.5361% | 562 |
| Cash dividends to net income (ytd only)* | 60.0947% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,531 |
| Loan loss allowance to noncurrent loans | 184.8361% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 1,612 |
| Noncurrent loans to loans | 0.6654% | 1,291 |
| Net loans and leases to total assets | 51.5644% | 3,209 |
| Net loans and leases to deposits | 59.4843% | 3,090 |
| Net loans and leases to core deposits | 64.0345% | 2,967 |
| Total domestic deposits to total assets | 86.6857% | 3,043 |
| Equity capital to assets | 13.0381% | 659 |
| Core capital (leverage) ratio | 14.3534% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,687,000 | 3,046 |
| Average earning assets | $191,918,000 | 3,047 |
| Average equity | $28,839,000 | 2,475 |
| Average total loans | $104,119,000 | 3,133 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3173% | 2,329 |
| Cost of funding earning assets | 0.2526% | 2,127 |
| Net interest margin | 3.0647% | 2,282 |
| Noninterest income to average assets | 0.3550% | 2,965 |
| Noninterest expense to average assets | 1.8296% | 3,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3736% | 847 |
| Return on assets (ROA) | 1.3736% | 840 |
| Pretax return on assets | 1.3736% | 1,318 |
| Return on Equity (ROE) | 9.5930% | 2,125 |
| Retained earnings to average equity (ytd only) | 4.9591% | 2,607 |
| Net charge-offs to loans | 0.1265% | 443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 22.1250% | 1,243 |
| Efficiency ratio | 57.1169% | 3,768 |
| Assets per employee ($millions) | 10.5368% | 585 |
| Cash dividends to net income (ytd only)* | 48.3051% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 2,176 |
| Loan loss allowance to noncurrent loans | 188.2273% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 1,703 |
| Noncurrent loans to loans | 0.7109% | 1,335 |
| Net loans and leases to total assets | 48.6659% | 3,317 |
| Net loans and leases to deposits | 56.6411% | 3,204 |
| Net loans and leases to core deposits | 60.7315% | 3,085 |
| Total domestic deposits to total assets | 85.9198% | 3,285 |
| Equity capital to assets | 13.8397% | 550 |
| Core capital (leverage) ratio | 14.6739% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,170,000 | 3,067 |
| Average earning assets | $191,603,500 | 3,067 |
| Average equity | $29,521,500 | 2,511 |
| Average total loans | $101,173,500 | 3,169 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6485% | 2,257 |
| Cost of funding earning assets | 0.3368% | 2,056 |
| Net interest margin | 3.3117% | 2,282 |
| Noninterest income to average assets | 0.3546% | 3,314 |
| Noninterest expense to average assets | 1.9145% | 3,893 |
| Loan and lease loss provision to assets | 0.0367% | 2,307 |
| Net operating income to assets | 1.3755% | 1,357 |
| Return on assets (ROA) | 1.3975% | 1,340 |
| Pretax return on assets | 1.3975% | 2,062 |
| Return on Equity (ROE) | 8.9907% | 2,914 |
| Retained earnings to average equity (ytd only) | 4.5054% | 3,004 |
| Net charge-offs to loans | 0.1295% | 706 |
| Credit loss provision to net charge-offs | 54.2636% | 2,110 |
| Earnings coverage of net charge-offs (x) | 20.8992% | 1,839 |
| Efficiency ratio | 57.5500% | 3,512 |
| Assets per employee ($millions) | 10.0803% | 646 |
| Cash dividends to net income (ytd only)* | 49.8876% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 1,743 |
| Loan loss allowance to noncurrent loans | 178.0976% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 1,640 |
| Noncurrent loans to loans | 0.8120% | 1,255 |
| Net loans and leases to total assets | 48.1025% | 3,490 |
| Net loans and leases to deposits | 56.6795% | 3,363 |
| Net loans and leases to core deposits | 60.4320% | 3,288 |
| Total domestic deposits to total assets | 84.8674% | 3,312 |
| Equity capital to assets | 14.8201% | 517 |
| Core capital (leverage) ratio | 14.6813% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,907,600 | 3,127 |
| Average earning assets | $171,329,400 | 3,172 |
| Average equity | $29,675,200 | 2,557 |
| Average total loans | $99,650,200 | 3,202 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 2,152 |
| Cost of funding earning assets | 0.3559% | 2,053 |
| Net interest margin | 3.3918% | 2,179 |
| Noninterest income to average assets | 0.3542% | 3,332 |
| Noninterest expense to average assets | 1.8877% | 3,975 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4903% | 1,298 |
| Return on assets (ROA) | 1.5201% | 1,271 |
| Pretax return on assets | 1.5201% | 1,941 |
| Return on Equity (ROE) | 9.6584% | 2,859 |
| Retained earnings to average equity (ytd only) | 3.6680% | 3,691 |
| Net charge-offs to loans | 0.0720% | 927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 38.9630% | 1,386 |
| Efficiency ratio | 55.8817% | 3,548 |
| Assets per employee ($millions) | 9.8117% | 677 |
| Cash dividends to net income (ytd only)* | 62.0224% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,946 |
| Loan loss allowance to noncurrent loans | 152.4013% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 1,591 |
| Noncurrent loans to loans | 0.9311% | 1,232 |
| Net loans and leases to total assets | 50.5539% | 3,343 |
| Net loans and leases to deposits | 59.7636% | 3,252 |
| Net loans and leases to core deposits | 63.7726% | 3,162 |
| Total domestic deposits to total assets | 84.5898% | 3,267 |
| Equity capital to assets | 15.0723% | 528 |
| Core capital (leverage) ratio | 15.0163% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,233,250 | 3,179 |
| Average earning assets | $167,811,250 | 3,236 |
| Average equity | $29,624,500 | 2,593 |
| Average total loans | $99,962,750 | 3,238 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7777% | 2,128 |
| Cost of funding earning assets | 0.3711% | 2,127 |
| Net interest margin | 3.4066% | 2,122 |
| Noninterest income to average assets | 0.3546% | 3,341 |
| Noninterest expense to average assets | 1.8969% | 3,971 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5251% | 1,230 |
| Return on assets (ROA) | 1.5703% | 1,177 |
| Pretax return on assets | 1.5703% | 1,817 |
| Return on Equity (ROE) | 9.8312% | 2,812 |
| Retained earnings to average equity (ytd only) | 3.0364% | 3,827 |
| Net charge-offs to loans | 0.1043% | 724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 27.2115% | 1,367 |
| Efficiency ratio | 55.4331% | 3,613 |
| Assets per employee ($millions) | 8.9024% | 889 |
| Cash dividends to net income (ytd only)* | 69.1146% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 1,884 |
| Loan loss allowance to noncurrent loans | 146.6667% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 1,592 |
| Noncurrent loans to loans | 0.9685% | 1,277 |
| Net loans and leases to total assets | 53.0837% | 3,243 |
| Net loans and leases to deposits | 63.3490% | 3,069 |
| Net loans and leases to core deposits | 67.4905% | 2,998 |
| Total domestic deposits to total assets | 83.7957% | 3,493 |
| Equity capital to assets | 15.9026% | 422 |
| Core capital (leverage) ratio | 15.6062% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,566,333 | 3,205 |
| Average earning assets | $167,086,667 | 3,251 |
| Average equity | $29,640,333 | 2,586 |
| Average total loans | $99,739,667 | 3,256 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7934% | 2,120 |
| Cost of funding earning assets | 0.3936% | 2,149 |
| Net interest margin | 3.3998% | 2,111 |
| Noninterest income to average assets | 0.3505% | 3,342 |
| Noninterest expense to average assets | 1.8326% | 4,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5643% | 1,191 |
| Return on assets (ROA) | 1.6552% | 1,062 |
| Pretax return on assets | 1.6552% | 1,594 |
| Return on Equity (ROE) | 10.3394% | 2,581 |
| Retained earnings to average equity (ytd only) | 5.2846% | 3,130 |
| Net charge-offs to loans | -0.0081% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9490% | 3,786 |
| Assets per employee ($millions) | 8.9013% | 864 |
| Cash dividends to net income (ytd only)* | 48.8889% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 1,775 |
| Loan loss allowance to noncurrent loans | 132.7370% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 1,595 |
| Noncurrent loans to loans | 1.0928% | 1,219 |
| Net loans and leases to total assets | 53.9347% | 3,249 |
| Net loans and leases to deposits | 64.3015% | 3,097 |
| Net loans and leases to core deposits | 68.6142% | 3,008 |
| Total domestic deposits to total assets | 83.8777% | 3,475 |
| Equity capital to assets | 15.8671% | 400 |
| Core capital (leverage) ratio | 15.9053% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,874,500 | 3,208 |
| Average earning assets | $165,655,500 | 3,260 |
| Average equity | $29,595,500 | 2,576 |
| Average total loans | $99,274,500 | 3,271 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 1,121 |
| Cost of funding earning assets | 0.6504% | 1,991 |
| Net interest margin | 3.9353% | 1,126 |
| Noninterest income to average assets | 0.3654% | 3,283 |
| Noninterest expense to average assets | 2.0479% | 4,043 |
| Loan and lease loss provision to assets | 0.0290% | 4,035 |
| Net operating income to assets | 1.7945% | 393 |
| Return on assets (ROA) | 1.7945% | 424 |
| Pretax return on assets | 1.7945% | 692 |
| Return on Equity (ROE) | 10.9154% | 1,661 |
| Retained earnings to average equity (ytd only) | 5.6164% | 1,988 |
| Net charge-offs to loans | -0.0890% | 4,789 |
| Credit loss provision to net charge-offs | -58.1395% | 3,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8989% | 4,319 |
| Assets per employee ($millions) | 8.7058% | 827 |
| Cash dividends to net income (ytd only)* | 48.5456% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 1,460 |
| Loan loss allowance to noncurrent loans | 124.3289% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 1,612 |
| Noncurrent loans to loans | 1.2385% | 1,118 |
| Net loans and leases to total assets | 51.8343% | 3,676 |
| Net loans and leases to deposits | 62.0813% | 3,600 |
| Net loans and leases to core deposits | 66.4829% | 3,503 |
| Total domestic deposits to total assets | 83.4942% | 3,266 |
| Equity capital to assets | 16.1530% | 411 |
| Core capital (leverage) ratio | 15.8024% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,418,200 | 3,175 |
| Average earning assets | $153,608,400 | 3,227 |
| Average equity | $28,345,400 | 2,584 |
| Average total loans | $96,666,600 | 3,284 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 887 |
| Cost of funding earning assets | 0.7064% | 1,992 |
| Net interest margin | 4.0878% | 918 |
| Noninterest income to average assets | 0.3659% | 3,266 |
| Noninterest expense to average assets | 2.0461% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.9589% | 325 |
| Return on assets (ROA) | 1.9589% | 355 |
| Pretax return on assets | 1.9589% | 557 |
| Return on Equity (ROE) | 11.8599% | 1,412 |
| Retained earnings to average equity (ytd only) | 4.7202% | 2,686 |
| Net charge-offs to loans | -0.1915% | 4,923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0880% | 4,414 |
| Assets per employee ($millions) | 8.4811% | 849 |
| Cash dividends to net income (ytd only)* | 60.2004% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 1,271 |
| Loan loss allowance to noncurrent loans | 110.8209% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 1,545 |
| Noncurrent loans to loans | 1.3887% | 1,044 |
| Net loans and leases to total assets | 53.3461% | 3,857 |
| Net loans and leases to deposits | 63.9822% | 3,793 |
| Net loans and leases to core deposits | 68.2325% | 3,748 |
| Total domestic deposits to total assets | 83.3765% | 3,032 |
| Equity capital to assets | 16.2676% | 435 |
| Core capital (leverage) ratio | 15.7137% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,817,500 | 3,179 |
| Average earning assets | $151,177,000 | 3,230 |
| Average equity | $28,049,000 | 2,595 |
| Average total loans | $96,771,750 | 3,292 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0361% | 778 |
| Cost of funding earning assets | 0.7489% | 2,128 |
| Net interest margin | 4.2872% | 773 |
| Noninterest income to average assets | 0.3687% | 3,267 |
| Noninterest expense to average assets | 2.0436% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.1562% | 237 |
| Return on assets (ROA) | 2.1562% | 261 |
| Pretax return on assets | 2.1562% | 390 |
| Return on Equity (ROE) | 12.9844% | 1,100 |
| Retained earnings to average equity (ytd only) | 4.8664% | 2,539 |
| Net charge-offs to loans | -0.3324% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6602% | 4,580 |
| Assets per employee ($millions) | 8.4199% | 837 |
| Cash dividends to net income (ytd only)* | 62.5208% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,205 |
| Loan loss allowance to noncurrent loans | 226.6165% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 2,795 |
| Noncurrent loans to loans | 0.6712% | 2,188 |
| Net loans and leases to total assets | 55.1810% | 3,760 |
| Net loans and leases to deposits | 66.1370% | 3,709 |
| Net loans and leases to core deposits | 70.0436% | 3,703 |
| Total domestic deposits to total assets | 83.4344% | 2,948 |
| Equity capital to assets | 16.2099% | 446 |
| Core capital (leverage) ratio | 16.1452% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,055,667 | 3,180 |
| Average earning assets | $149,282,000 | 3,229 |
| Average equity | $27,741,000 | 2,600 |
| Average total loans | $96,863,667 | 3,286 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3554% | 489 |
| Cost of funding earning assets | 0.8026% | 2,380 |
| Net interest margin | 4.5528% | 446 |
| Noninterest income to average assets | 0.3946% | 3,141 |
| Noninterest expense to average assets | 2.0324% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.4196% | 125 |
| Return on assets (ROA) | 2.4196% | 134 |
| Pretax return on assets | 2.4196% | 191 |
| Return on Equity (ROE) | 14.3839% | 632 |
| Retained earnings to average equity (ytd only) | 7.8738% | 1,267 |
| Net charge-offs to loans | -0.8062% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6510% | 4,842 |
| Assets per employee ($millions) | 7.8112% | 797 |
| Cash dividends to net income (ytd only)* | 45.2599% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6333% | 990 |
| Loan loss allowance to noncurrent loans | 299.4163% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 3,184 |
| Noncurrent loans to loans | 0.5455% | 2,632 |
| Net loans and leases to total assets | 56.5028% | 3,796 |
| Net loans and leases to deposits | 68.1342% | 3,723 |
| Net loans and leases to core deposits | 72.2138% | 3,751 |
| Total domestic deposits to total assets | 82.9287% | 3,134 |
| Equity capital to assets | 16.7646% | 472 |
| Core capital (leverage) ratio | 17.0902% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,174,500 | 3,192 |
| Average earning assets | $144,527,000 | 3,242 |
| Average equity | $27,280,500 | 2,624 |
| Average total loans | $95,757,000 | 3,285 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0130% | 1,443 |
| Cost of funding earning assets | 0.7564% | 2,883 |
| Net interest margin | 4.2566% | 1,189 |
| Noninterest income to average assets | 0.4252% | 3,139 |
| Noninterest expense to average assets | 2.0447% | 4,458 |
| Loan and lease loss provision to assets | 0.0723% | 2,552 |
| Net operating income to assets | 2.0811% | 286 |
| Return on assets (ROA) | 2.0811% | 296 |
| Pretax return on assets | 2.0811% | 500 |
| Return on Equity (ROE) | 12.9200% | 1,188 |
| Retained earnings to average equity (ytd only) | 7.4225% | 1,196 |
| Net charge-offs to loans | 0.0944% | 1,785 |
| Credit loss provision to net charge-offs | 129.2135% | 1,978 |
| Earnings coverage of net charge-offs (x) | 38.4719% | 1,352 |
| Efficiency ratio | 48.7041% | 4,798 |
| Assets per employee ($millions) | 8.0157% | 711 |
| Cash dividends to net income (ytd only)* | 42.5506% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 1,580 |
| Loan loss allowance to noncurrent loans | 203.6309% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 2,744 |
| Noncurrent loans to loans | 0.6794% | 2,185 |
| Net loans and leases to total assets | 59.8479% | 3,597 |
| Net loans and leases to deposits | 72.3549% | 3,491 |
| Net loans and leases to core deposits | 75.6847% | 3,597 |
| Total domestic deposits to total assets | 82.7144% | 3,298 |
| Equity capital to assets | 16.8801% | 483 |
| Core capital (leverage) ratio | 16.9590% | 417 |
| Tier 1 risk-based capital ratio | 26.8911% | 621 |
| Total risk-based capital ratio | 28.1423% | 609 |
| Memoranda: | ||
| Average total assets | $159,000,000 | 3,210 |
| Average earning assets | $140,933,800 | 3,264 |
| Average equity | $25,611,400 | 2,670 |
| Average total loans | $94,327,400 | 3,312 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9976% | 1,552 |
| Cost of funding earning assets | 0.7339% | 3,047 |
| Net interest margin | 4.2637% | 1,238 |
| Noninterest income to average assets | 0.4260% | 3,169 |
| Noninterest expense to average assets | 2.0125% | 4,527 |
| Loan and lease loss provision to assets | 0.0546% | 2,823 |
| Net operating income to assets | 2.1327% | 305 |
| Return on assets (ROA) | 2.1327% | 319 |
| Pretax return on assets | 2.1327% | 511 |
| Return on Equity (ROE) | 13.4022% | 1,139 |
| Retained earnings to average equity (ytd only) | 5.9671% | 2,386 |
| Net charge-offs to loans | 0.0499% | 2,121 |
| Credit loss provision to net charge-offs | 185.7143% | 1,398 |
| Earnings coverage of net charge-offs (x) | 74.3643% | 906 |
| Efficiency ratio | 47.9192% | 4,858 |
| Assets per employee ($millions) | 8.0280% | 684 |
| Cash dividends to net income (ytd only)* | 55.4768% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 1,540 |
| Loan loss allowance to noncurrent loans | 100.1484% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 1,639 |
| Noncurrent loans to loans | 1.4071% | 1,085 |
| Net loans and leases to total assets | 58.8272% | 3,794 |
| Net loans and leases to deposits | 70.6634% | 3,718 |
| Net loans and leases to core deposits | 73.7407% | 3,845 |
| Total domestic deposits to total assets | 83.2499% | 3,080 |
| Equity capital to assets | 16.3739% | 577 |
| Core capital (leverage) ratio | 16.5496% | 495 |
| Tier 1 risk-based capital ratio | 26.4161% | 681 |
| Total risk-based capital ratio | 27.6672% | 666 |
| Memoranda: | ||
| Average total assets | $158,671,750 | 3,243 |
| Average earning assets | $140,436,250 | 3,302 |
| Average equity | $25,249,000 | 2,713 |
| Average total loans | $93,586,750 | 3,366 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 1,587 |
| Cost of funding earning assets | 0.6963% | 3,187 |
| Net interest margin | 4.2635% | 1,210 |
| Noninterest income to average assets | 0.4075% | 3,230 |
| Noninterest expense to average assets | 2.0147% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1665% | 287 |
| Return on assets (ROA) | 2.1665% | 300 |
| Pretax return on assets | 2.1665% | 479 |
| Return on Equity (ROE) | 13.7499% | 1,036 |
| Retained earnings to average equity (ytd only) | 5.4132% | 2,566 |
| Net charge-offs to loans | 0.0302% | 2,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 122.2857% | 598 |
| Efficiency ratio | 48.1840% | 4,893 |
| Assets per employee ($millions) | 7.5261% | 796 |
| Cash dividends to net income (ytd only)* | 60.6308% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 1,641 |
| Loan loss allowance to noncurrent loans | 63.3366% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.3047% | 974 |
| Noncurrent loans to loans | 2.2001% | 614 |
| Net loans and leases to total assets | 58.4743% | 3,866 |
| Net loans and leases to deposits | 70.1023% | 3,832 |
| Net loans and leases to core deposits | 73.3337% | 3,927 |
| Total domestic deposits to total assets | 83.4127% | 3,070 |
| Equity capital to assets | 16.2437% | 578 |
| Core capital (leverage) ratio | 16.3832% | 496 |
| Tier 1 risk-based capital ratio | 26.4274% | 662 |
| Total risk-based capital ratio | 27.6785% | 649 |
| Memoranda: | ||
| Average total assets | $158,042,330 | 3,264 |
| Average earning assets | $139,886,000 | 3,333 |
| Average equity | $24,902,000 | 2,733 |
| Average total loans | $92,848,000 | 3,396 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 1,553 |
| Cost of funding earning assets | 0.6587% | 3,271 |
| Net interest margin | 4.2584% | 1,174 |
| Noninterest income to average assets | 0.4328% | 2,957 |
| Noninterest expense to average assets | 2.0071% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1893% | 278 |
| Return on assets (ROA) | 2.1893% | 288 |
| Pretax return on assets | 2.1893% | 461 |
| Return on Equity (ROE) | 14.1129% | 943 |
| Retained earnings to average equity (ytd only) | 8.0436% | 1,641 |
| Net charge-offs to loans | 0.0216% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 443 |
| Efficiency ratio | 47.8287% | 4,948 |
| Assets per employee ($millions) | 7.4988% | 818 |
| Cash dividends to net income (ytd only)* | 43.0058% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 1,548 |
| Loan loss allowance to noncurrent loans | 290.9292% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 3,456 |
| Noncurrent loans to loans | 0.4936% | 2,834 |
| Net loans and leases to total assets | 57.3130% | 3,958 |
| Net loans and leases to deposits | 68.3657% | 3,898 |
| Net loans and leases to core deposits | 71.4541% | 3,985 |
| Total domestic deposits to total assets | 83.8329% | 3,107 |
| Equity capital to assets | 15.8655% | 594 |
| Core capital (leverage) ratio | 16.3039% | 497 |
| Tier 1 risk-based capital ratio | 26.9092% | 625 |
| Total risk-based capital ratio | 28.1607% | 613 |
| Memoranda: | ||
| Average total assets | $158,039,000 | 3,316 |
| Average earning assets | $139,675,500 | 3,370 |
| Average equity | $24,516,500 | 2,760 |
| Average total loans | $92,410,000 | 3,441 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 2,194 |
| Cost of funding earning assets | 0.5466% | 3,070 |
| Net interest margin | 4.0325% | 1,880 |
| Noninterest income to average assets | 0.4246% | 3,278 |
| Noninterest expense to average assets | 2.0534% | 4,645 |
| Loan and lease loss provision to assets | 0.2094% | 893 |
| Net operating income to assets | 1.7654% | 596 |
| Return on assets (ROA) | 1.7680% | 592 |
| Pretax return on assets | 1.7680% | 1,002 |
| Return on Equity (ROE) | 12.0445% | 1,699 |
| Retained earnings to average equity (ytd only) | 6.4404% | 1,956 |
| Net charge-offs to loans | 0.3682% | 522 |
| Credit loss provision to net charge-offs | 103.4375% | 2,452 |
| Earnings coverage of net charge-offs (x) | 9.7531% | 2,785 |
| Efficiency ratio | 50.9739% | 4,877 |
| Assets per employee ($millions) | 7.5526% | 780 |
| Cash dividends to net income (ytd only)* | 46.5283% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 1,578 |
| Loan loss allowance to noncurrent loans | 253.3589% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 3,240 |
| Noncurrent loans to loans | 0.5587% | 2,600 |
| Net loans and leases to total assets | 57.9632% | 3,967 |
| Net loans and leases to deposits | 68.6188% | 3,936 |
| Net loans and leases to core deposits | 71.6283% | 4,020 |
| Total domestic deposits to total assets | 84.4714% | 2,845 |
| Equity capital to assets | 15.1629% | 676 |
| Core capital (leverage) ratio | 16.2244% | 488 |
| Tier 1 risk-based capital ratio | 25.8550% | 682 |
| Total risk-based capital ratio | 27.1067% | 664 |
| Memoranda: | ||
| Average total assets | $158,034,000 | 3,305 |
| Average earning assets | $141,227,400 | 3,346 |
| Average equity | $23,197,400 | 2,798 |
| Average total loans | $86,904,400 | 3,534 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 2,404 |
| Cost of funding earning assets | 0.5256% | 3,022 |
| Net interest margin | 3.9427% | 2,153 |
| Noninterest income to average assets | 0.4222% | 3,339 |
| Noninterest expense to average assets | 2.0039% | 4,735 |
| Loan and lease loss provision to assets | 0.1951% | 902 |
| Net operating income to assets | 1.7514% | 661 |
| Return on assets (ROA) | 1.7547% | 658 |
| Pretax return on assets | 1.7547% | 1,125 |
| Return on Equity (ROE) | 12.0542% | 1,772 |
| Retained earnings to average equity (ytd only) | 4.5131% | 3,493 |
| Net charge-offs to loans | 0.3641% | 447 |
| Credit loss provision to net charge-offs | 99.1416% | 2,306 |
| Earnings coverage of net charge-offs (x) | 9.8927% | 2,617 |
| Efficiency ratio | 50.7268% | 4,904 |
| Assets per employee ($millions) | 7.3902% | 810 |
| Cash dividends to net income (ytd only)* | 62.5601% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 1,419 |
| Loan loss allowance to noncurrent loans | 158.0411% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 2,609 |
| Noncurrent loans to loans | 0.9361% | 1,822 |
| Net loans and leases to total assets | 56.0840% | 4,214 |
| Net loans and leases to deposits | 66.1511% | 4,186 |
| Net loans and leases to core deposits | 68.9167% | 4,253 |
| Total domestic deposits to total assets | 84.7816% | 2,693 |
| Equity capital to assets | 14.8041% | 760 |
| Core capital (leverage) ratio | 15.7726% | 556 |
| Tier 1 risk-based capital ratio | 26.1873% | 666 |
| Total risk-based capital ratio | 27.4398% | 657 |
| Memoranda: | ||
| Average total assets | $157,891,500 | 3,334 |
| Average earning assets | $141,288,750 | 3,377 |
| Average equity | $22,984,500 | 2,829 |
| Average total loans | $85,317,500 | 3,594 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4070% | 2,389 |
| Cost of funding earning assets | 0.5162% | 2,890 |
| Net interest margin | 3.8908% | 2,234 |
| Noninterest income to average assets | 0.4219% | 3,340 |
| Noninterest expense to average assets | 1.9699% | 4,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9170% | 449 |
| Return on assets (ROA) | 1.9170% | 447 |
| Pretax return on assets | 1.9170% | 743 |
| Return on Equity (ROE) | 13.2419% | 1,283 |
| Retained earnings to average equity (ytd only) | 4.7504% | 3,206 |
| Net charge-offs to loans | 0.2657% | 603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 13.5893% | 2,139 |
| Efficiency ratio | 50.6805% | 4,985 |
| Assets per employee ($millions) | 7.5228% | 757 |
| Cash dividends to net income (ytd only)* | 64.1261% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 1,693 |
| Loan loss allowance to noncurrent loans | 153.4615% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 2,780 |
| Noncurrent loans to loans | 0.9235% | 1,875 |
| Net loans and leases to total assets | 52.7051% | 4,432 |
| Net loans and leases to deposits | 61.8807% | 4,425 |
| Net loans and leases to core deposits | 64.2774% | 4,476 |
| Total domestic deposits to total assets | 85.1721% | 2,609 |
| Equity capital to assets | 14.4880% | 807 |
| Core capital (leverage) ratio | 15.4294% | 582 |
| Tier 1 risk-based capital ratio | 26.8648% | 618 |
| Total risk-based capital ratio | 28.1154% | 608 |
| Memoranda: | ||
| Average total assets | $158,790,670 | 3,332 |
| Average earning assets | $141,410,000 | 3,393 |
| Average equity | $22,987,670 | 2,848 |
| Average total loans | $84,308,000 | 3,637 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 2,497 |
| Cost of funding earning assets | 0.5214% | 2,616 |
| Net interest margin | 3.7825% | 2,491 |
| Noninterest income to average assets | 0.4246% | 3,279 |
| Noninterest expense to average assets | 1.8870% | 5,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9096% | 445 |
| Return on assets (ROA) | 1.9096% | 446 |
| Pretax return on assets | 1.9096% | 709 |
| Return on Equity (ROE) | 13.1959% | 1,210 |
| Retained earnings to average equity (ytd only) | 7.0494% | 2,257 |
| Net charge-offs to loans | 0.1805% | 812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,487 |
| Efficiency ratio | 49.7022% | 5,099 |
| Assets per employee ($millions) | 7.5148% | 763 |
| Cash dividends to net income (ytd only)* | 46.5789% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 1,435 |
| Loan loss allowance to noncurrent loans | 137.1090% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 2,563 |
| Noncurrent loans to loans | 1.0997% | 1,663 |
| Net loans and leases to total assets | 52.6091% | 4,395 |
| Net loans and leases to deposits | 61.7708% | 4,360 |
| Net loans and leases to core deposits | 64.2822% | 4,408 |
| Total domestic deposits to total assets | 85.1683% | 2,874 |
| Equity capital to assets | 14.5300% | 771 |
| Core capital (leverage) ratio | 15.2702% | 599 |
| Tier 1 risk-based capital ratio | 26.5697% | 638 |
| Total risk-based capital ratio | 27.8214% | 631 |
| Memoranda: | ||
| Average total assets | $159,196,500 | 3,371 |
| Average earning assets | $141,916,000 | 3,426 |
| Average equity | $23,037,500 | 2,861 |
| Average total loans | $84,232,000 | 3,669 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 2,180 |
| Cost of funding earning assets | 0.4404% | 2,869 |
| Net interest margin | 3.9093% | 2,057 |
| Noninterest income to average assets | 0.4022% | 3,630 |
| Noninterest expense to average assets | 2.0413% | 4,890 |
| Loan and lease loss provision to assets | 0.0633% | 2,962 |
| Net operating income to assets | 1.7893% | 431 |
| Return on assets (ROA) | 1.8222% | 405 |
| Pretax return on assets | 1.8222% | 749 |
| Return on Equity (ROE) | 12.7856% | 1,000 |
| Retained earnings to average equity (ytd only) | 7.2661% | 993 |
| Net charge-offs to loans | 0.1599% | 1,526 |
| Credit loss provision to net charge-offs | 79.3651% | 2,950 |
| Earnings coverage of net charge-offs (x) | 23.2143% | 1,816 |
| Efficiency ratio | 52.4236% | 5,077 |
| Assets per employee ($millions) | 7.6468% | 722 |
| Cash dividends to net income (ytd only)* | 43.1700% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 1,258 |
| Loan loss allowance to noncurrent loans | 144.3219% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 2,663 |
| Noncurrent loans to loans | 1.0776% | 1,650 |
| Net loans and leases to total assets | 51.6004% | 4,547 |
| Net loans and leases to deposits | 60.5457% | 4,534 |
| Net loans and leases to core deposits | 64.0566% | 4,529 |
| Total domestic deposits to total assets | 85.2256% | 2,744 |
| Equity capital to assets | 14.4132% | 802 |
| Core capital (leverage) ratio | 14.8592% | 644 |
| Tier 1 risk-based capital ratio | 26.1871% | 648 |
| Total risk-based capital ratio | 27.4398% | 642 |
| Memoranda: | ||
| Average total assets | $157,886,200 | 3,379 |
| Average earning assets | $141,021,400 | 3,438 |
| Average equity | $22,501,800 | 2,903 |
| Average total loans | $78,813,000 | 3,777 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3411% | 2,136 |
| Cost of funding earning assets | 0.4296% | 2,889 |
| Net interest margin | 3.9114% | 1,999 |
| Noninterest income to average assets | 0.4122% | 3,608 |
| Noninterest expense to average assets | 2.0430% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8666% | 417 |
| Return on assets (ROA) | 1.9107% | 380 |
| Pretax return on assets | 1.9107% | 667 |
| Return on Equity (ROE) | 13.4458% | 947 |
| Retained earnings to average equity (ytd only) | 6.0336% | 2,209 |
| Net charge-offs to loans | 0.1738% | 1,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 21.7926% | 1,896 |
| Efficiency ratio | 52.2560% | 5,076 |
| Assets per employee ($millions) | 7.1423% | 898 |
| Cash dividends to net income (ytd only)* | 55.1266% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,642 |
| Loan loss allowance to noncurrent loans | 123.9196% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6332% | 2,610 |
| Noncurrent loans to loans | 1.1875% | 1,617 |
| Net loans and leases to total assets | 52.5421% | 4,535 |
| Net loans and leases to deposits | 61.7867% | 4,528 |
| Net loans and leases to core deposits | 65.7545% | 4,498 |
| Total domestic deposits to total assets | 85.0380% | 2,696 |
| Equity capital to assets | 14.6343% | 824 |
| Core capital (leverage) ratio | 14.7828% | 704 |
| Tier 1 risk-based capital ratio | 25.5087% | 705 |
| Total risk-based capital ratio | 26.7598% | 699 |
| Memoranda: | ||
| Average total assets | $157,212,250 | 3,412 |
| Average earning assets | $140,575,500 | 3,469 |
| Average equity | $22,341,000 | 2,938 |
| Average total loans | $77,473,750 | 3,834 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,032 |
| Cost of funding earning assets | 0.4222% | 2,872 |
| Net interest margin | 3.9093% | 1,894 |
| Noninterest income to average assets | 0.4159% | 3,592 |
| Noninterest expense to average assets | 2.0351% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8672% | 398 |
| Return on assets (ROA) | 1.9270% | 362 |
| Pretax return on assets | 1.9270% | 614 |
| Return on Equity (ROE) | 13.6962% | 872 |
| Retained earnings to average equity (ytd only) | 5.2253% | 2,565 |
| Net charge-offs to loans | 0.1672% | 1,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 23.3016% | 1,681 |
| Efficiency ratio | 52.1512% | 5,163 |
| Assets per employee ($millions) | 7.5658% | 718 |
| Cash dividends to net income (ytd only)* | 61.8482% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 1,355 |
| Loan loss allowance to noncurrent loans | 239.8113% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 3,788 |
| Noncurrent loans to loans | 0.6514% | 2,789 |
| Net loans and leases to total assets | 50.4104% | 4,679 |
| Net loans and leases to deposits | 59.0038% | 4,701 |
| Net loans and leases to core deposits | 61.8828% | 4,722 |
| Total domestic deposits to total assets | 85.4357% | 2,634 |
| Equity capital to assets | 14.2477% | 890 |
| Core capital (leverage) ratio | 14.7217% | 693 |
| Tier 1 risk-based capital ratio | 25.5501% | 700 |
| Total risk-based capital ratio | 26.8024% | 691 |
| Memoranda: | ||
| Average total assets | $157,239,330 | 3,427 |
| Average earning assets | $140,229,670 | 3,490 |
| Average equity | $22,123,000 | 2,960 |
| Average total loans | $75,367,330 | 3,892 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 1,981 |
| Cost of funding earning assets | 0.4211% | 2,808 |
| Net interest margin | 3.8697% | 1,890 |
| Noninterest income to average assets | 0.4092% | 3,594 |
| Noninterest expense to average assets | 2.0279% | 4,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8361% | 421 |
| Return on assets (ROA) | 1.9742% | 331 |
| Pretax return on assets | 1.9742% | 533 |
| Return on Equity (ROE) | 14.1224% | 782 |
| Retained earnings to average equity (ytd only) | 8.1039% | 1,416 |
| Net charge-offs to loans | 0.1437% | 1,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 27.6154% | 1,272 |
| Efficiency ratio | 52.4818% | 5,243 |
| Assets per employee ($millions) | 7.7963% | 672 |
| Cash dividends to net income (ytd only)* | 42.6166% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 1,103 |
| Loan loss allowance to noncurrent loans | 175.4692% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4784% | 3,300 |
| Noncurrent loans to loans | 0.9816% | 2,084 |
| Net loans and leases to total assets | 47.9012% | 4,831 |
| Net loans and leases to deposits | 55.9966% | 4,817 |
| Net loans and leases to core deposits | 58.6402% | 4,847 |
| Total domestic deposits to total assets | 85.5430% | 2,867 |
| Equity capital to assets | 14.2004% | 847 |
| Core capital (leverage) ratio | 14.4818% | 717 |
| Tier 1 risk-based capital ratio | 26.6913% | 648 |
| Total risk-based capital ratio | 27.9452% | 634 |
| Memoranda: | ||
| Average total assets | $156,418,000 | 3,466 |
| Average earning assets | $139,648,000 | 3,535 |
| Average equity | $21,866,000 | 2,996 |
| Average total loans | $72,369,000 | 3,993 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9687% | 3,316 |
| Cost of funding earning assets | 0.4223% | 2,785 |
| Net interest margin | 3.5464% | 3,264 |
| Noninterest income to average assets | 0.4037% | 3,853 |
| Noninterest expense to average assets | 1.8976% | 5,366 |
| Loan and lease loss provision to assets | 0.0552% | 3,276 |
| Net operating income to assets | 1.6898% | 559 |
| Return on assets (ROA) | 1.6880% | 590 |
| Pretax return on assets | 1.6880% | 1,035 |
| Return on Equity (ROE) | 12.5695% | 1,097 |
| Retained earnings to average equity (ytd only) | 6.6403% | 1,387 |
| Net charge-offs to loans | 0.1006% | 2,275 |
| Credit loss provision to net charge-offs | 134.8485% | 2,010 |
| Earnings coverage of net charge-offs (x) | 42.6364% | 1,130 |
| Efficiency ratio | 52.0940% | 5,380 |
| Assets per employee ($millions) | 7.8456% | 646 |
| Cash dividends to net income (ytd only)* | 47.1712% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9421% | 741 |
| Loan loss allowance to noncurrent loans | 221.0265% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 3,731 |
| Noncurrent loans to loans | 0.8787% | 2,346 |
| Net loans and leases to total assets | 42.9568% | 5,183 |
| Net loans and leases to deposits | 50.0944% | 5,205 |
| Net loans and leases to core deposits | 52.5510% | 5,201 |
| Total domestic deposits to total assets | 85.7518% | 2,698 |
| Equity capital to assets | 13.7594% | 966 |
| Core capital (leverage) ratio | 13.7275% | 892 |
| Tier 1 risk-based capital ratio | 27.9710% | 564 |
| Total risk-based capital ratio | 29.2276% | 556 |
| Memoranda: | ||
| Average total assets | $161,257,200 | 3,383 |
| Average earning assets | $147,277,400 | 3,401 |
| Average equity | $21,655,600 | 3,008 |
| Average total loans | $65,591,600 | 4,148 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 3,556 |
| Cost of funding earning assets | 0.4163% | 2,875 |
| Net interest margin | 3.4926% | 3,501 |
| Noninterest income to average assets | 0.4115% | 3,835 |
| Noninterest expense to average assets | 1.8068% | 5,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8085% | 483 |
| Return on assets (ROA) | 1.8076% | 512 |
| Pretax return on assets | 1.8076% | 890 |
| Return on Equity (ROE) | 13.5409% | 911 |
| Retained earnings to average equity (ytd only) | 5.6416% | 2,406 |
| Net charge-offs to loans | 0.1008% | 1,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 44.9400% | 1,153 |
| Efficiency ratio | 49.9773% | 5,499 |
| Assets per employee ($millions) | 8.0387% | 583 |
| Cash dividends to net income (ytd only)* | 58.3373% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 775 |
| Loan loss allowance to noncurrent loans | 153.0909% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 3,406 |
| Noncurrent loans to loans | 1.2771% | 1,746 |
| Net loans and leases to total assets | 39.3959% | 5,410 |
| Net loans and leases to deposits | 45.9734% | 5,455 |
| Net loans and leases to core deposits | 48.2406% | 5,448 |
| Total domestic deposits to total assets | 85.6929% | 2,514 |
| Equity capital to assets | 13.9874% | 1,035 |
| Core capital (leverage) ratio | 13.4154% | 1,031 |
| Tier 1 risk-based capital ratio | 28.1914% | 571 |
| Total risk-based capital ratio | 29.4453% | 558 |
| Memoranda: | ||
| Average total assets | $162,343,750 | 3,389 |
| Average earning assets | $148,920,500 | 3,399 |
| Average equity | $21,672,000 | 3,034 |
| Average total loans | $64,804,750 | 4,192 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 3,879 |
| Cost of funding earning assets | 0.4123% | 2,920 |
| Net interest margin | 3.4101% | 3,851 |
| Noninterest income to average assets | 0.4212% | 3,729 |
| Noninterest expense to average assets | 1.7536% | 5,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8260% | 459 |
| Return on assets (ROA) | 1.8260% | 480 |
| Pretax return on assets | 1.8260% | 831 |
| Return on Equity (ROE) | 13.8972% | 852 |
| Retained earnings to average equity (ytd only) | 5.0187% | 2,731 |
| Net charge-offs to loans | 0.1418% | 1,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 32.3261% | 1,343 |
| Efficiency ratio | 48.9880% | 5,621 |
| Assets per employee ($millions) | 8.0679% | 546 |
| Cash dividends to net income (ytd only)* | 63.8870% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9440% | 833 |
| Loan loss allowance to noncurrent loans | 144.3558% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5435% | 3,402 |
| Noncurrent loans to loans | 1.3467% | 1,670 |
| Net loans and leases to total assets | 39.5747% | 5,440 |
| Net loans and leases to deposits | 46.0022% | 5,499 |
| Net loans and leases to core deposits | 48.6218% | 5,478 |
| Total domestic deposits to total assets | 86.0280% | 2,408 |
| Equity capital to assets | 13.6479% | 1,163 |
| Core capital (leverage) ratio | 13.0455% | 1,129 |
| Tier 1 risk-based capital ratio | 27.9572% | 598 |
| Total risk-based capital ratio | 29.2112% | 582 |
| Memoranda: | ||
| Average total assets | $162,867,330 | 3,402 |
| Average earning assets | $150,844,670 | 3,396 |
| Average equity | $21,400,000 | 3,061 |
| Average total loans | $64,872,670 | 4,220 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7971% | 3,955 |
| Cost of funding earning assets | 0.4091% | 2,974 |
| Net interest margin | 3.3880% | 3,910 |
| Noninterest income to average assets | 0.3716% | 4,067 |
| Noninterest expense to average assets | 1.7210% | 5,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8090% | 461 |
| Return on assets (ROA) | 1.8090% | 491 |
| Pretax return on assets | 1.8090% | 839 |
| Return on Equity (ROE) | 14.0358% | 825 |
| Retained earnings to average equity (ytd only) | 7.3972% | 1,708 |
| Net charge-offs to loans | -0.0309% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7535% | 5,691 |
| Assets per employee ($millions) | 8.1962% | 522 |
| Cash dividends to net income (ytd only)* | 47.2973% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0479% | 757 |
| Loan loss allowance to noncurrent loans | 60.9440% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.3183% | 1,626 |
| Noncurrent loans to loans | 3.3602% | 426 |
| Net loans and leases to total assets | 38.4290% | 5,536 |
| Net loans and leases to deposits | 44.3635% | 5,575 |
| Net loans and leases to core deposits | 46.6761% | 5,563 |
| Total domestic deposits to total assets | 86.6230% | 2,400 |
| Equity capital to assets | 13.1312% | 1,349 |
| Core capital (leverage) ratio | 12.8747% | 1,211 |
| Tier 1 risk-based capital ratio | 27.7565% | 626 |
| Total risk-based capital ratio | 29.0128% | 612 |
| Memoranda: | ||
| Average total assets | $163,622,000 | 3,407 |
| Average earning assets | $152,539,000 | 3,382 |
| Average equity | $21,089,000 | 3,093 |
| Average total loans | $64,747,500 | 4,246 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 4,017 |
| Cost of funding earning assets | 0.4379% | 2,758 |
| Net interest margin | 3.3706% | 4,033 |
| Noninterest income to average assets | 0.3910% | 4,100 |
| Noninterest expense to average assets | 1.7832% | 5,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7205% | 553 |
| Return on assets (ROA) | 1.7540% | 544 |
| Pretax return on assets | 1.7540% | 883 |
| Return on Equity (ROE) | 13.8435% | 869 |
| Retained earnings to average equity (ytd only) | 4.2684% | 2,938 |
| Net charge-offs to loans | 0.0951% | 2,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 44.8413% | 1,080 |
| Efficiency ratio | 50.8952% | 5,712 |
| Assets per employee ($millions) | 8.1661% | 519 |
| Cash dividends to net income (ytd only)* | 69.1667% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0128% | 784 |
| Loan loss allowance to noncurrent loans | 60.6846% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.3544% | 1,553 |
| Noncurrent loans to loans | 3.3168% | 446 |
| Net loans and leases to total assets | 39.1083% | 5,568 |
| Net loans and leases to deposits | 44.9448% | 5,616 |
| Net loans and leases to core deposits | 47.1436% | 5,600 |
| Total domestic deposits to total assets | 87.0139% | 2,125 |
| Equity capital to assets | 12.6456% | 1,535 |
| Core capital (leverage) ratio | 12.3176% | 1,443 |
| Tier 1 risk-based capital ratio | 27.1297% | 657 |
| Total risk-based capital ratio | 28.3850% | 642 |
| Memoranda: | ||
| Average total assets | $164,195,200 | 3,381 |
| Average earning assets | $151,635,200 | 3,376 |
| Average equity | $20,804,000 | 3,095 |
| Average total loans | $66,245,200 | 4,190 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8158% | 4,038 |
| Cost of funding earning assets | 0.4440% | 2,749 |
| Net interest margin | 3.3718% | 4,076 |
| Noninterest income to average assets | 0.3925% | 4,132 |
| Noninterest expense to average assets | 1.7857% | 5,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7046% | 619 |
| Return on assets (ROA) | 1.7565% | 587 |
| Pretax return on assets | 1.7565% | 980 |
| Return on Equity (ROE) | 13.8565% | 937 |
| Retained earnings to average equity (ytd only) | 5.5464% | 2,552 |
| Net charge-offs to loans | 0.0421% | 3,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 100.0929% | 628 |
| Efficiency ratio | 51.1617% | 5,711 |
| Assets per employee ($millions) | 8.2326% | 490 |
| Cash dividends to net income (ytd only)* | 59.9724% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0597% | 833 |
| Loan loss allowance to noncurrent loans | 52.8287% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 1.5870% | 1,406 |
| Noncurrent loans to loans | 3.8988% | 345 |
| Net loans and leases to total assets | 39.1033% | 5,642 |
| Net loans and leases to deposits | 45.0172% | 5,686 |
| Net loans and leases to core deposits | 47.2055% | 5,684 |
| Total domestic deposits to total assets | 86.8631% | 2,113 |
| Equity capital to assets | 12.8447% | 1,533 |
| Core capital (leverage) ratio | 12.6121% | 1,355 |
| Tier 1 risk-based capital ratio | 26.9217% | 694 |
| Total risk-based capital ratio | 28.1778% | 670 |
| Memoranda: | ||
| Average total assets | $164,413,750 | 3,414 |
| Average earning assets | $151,053,500 | 3,411 |
| Average equity | $20,841,750 | 3,114 |
| Average total loans | $66,510,500 | 4,223 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8278% | 3,962 |
| Cost of funding earning assets | 0.4480% | 2,754 |
| Net interest margin | 3.3798% | 3,972 |
| Noninterest income to average assets | 0.3919% | 4,140 |
| Noninterest expense to average assets | 1.7574% | 5,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7379% | 584 |
| Return on assets (ROA) | 1.7379% | 613 |
| Pretax return on assets | 1.7379% | 1,002 |
| Return on Equity (ROE) | 13.7709% | 948 |
| Retained earnings to average equity (ytd only) | 4.3396% | 3,259 |
| Net charge-offs to loans | 0.0150% | 3,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 285.6000% | 239 |
| Efficiency ratio | 50.2786% | 5,842 |
| Assets per employee ($millions) | 8.1798% | 489 |
| Cash dividends to net income (ytd only)* | 68.4874% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0332% | 935 |
| Loan loss allowance to noncurrent loans | 62.8152% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3637% | 1,841 |
| Noncurrent loans to loans | 3.2368% | 578 |
| Net loans and leases to total assets | 40.3506% | 5,608 |
| Net loans and leases to deposits | 46.3447% | 5,660 |
| Net loans and leases to core deposits | 48.3558% | 5,682 |
| Total domestic deposits to total assets | 87.0663% | 2,133 |
| Equity capital to assets | 12.6171% | 1,591 |
| Core capital (leverage) ratio | 12.1254% | 1,580 |
| Tier 1 risk-based capital ratio | 26.0375% | 778 |
| Total risk-based capital ratio | 27.2942% | 764 |
| Memoranda: | ||
| Average total assets | $164,334,670 | 3,428 |
| Average earning assets | $150,894,330 | 3,439 |
| Average equity | $20,739,330 | 3,137 |
| Average total loans | $66,768,000 | 4,246 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7689% | 4,133 |
| Cost of funding earning assets | 0.4542% | 2,731 |
| Net interest margin | 3.3147% | 4,153 |
| Noninterest income to average assets | 0.3837% | 4,128 |
| Noninterest expense to average assets | 1.7389% | 5,971 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6757% | 623 |
| Return on assets (ROA) | 1.6757% | 650 |
| Pretax return on assets | 1.6757% | 1,098 |
| Return on Equity (ROE) | 13.2766% | 1,029 |
| Retained earnings to average equity (ytd only) | 6.4266% | 2,274 |
| Net charge-offs to loans | -0.0301% | 5,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9246% | 5,859 |
| Assets per employee ($millions) | 8.9257% | 372 |
| Cash dividends to net income (ytd only)* | 51.5942% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0619% | 975 |
| Loan loss allowance to noncurrent loans | 60.2094% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.3822% | 1,915 |
| Noncurrent loans to loans | 3.4245% | 570 |
| Net loans and leases to total assets | 38.6523% | 5,681 |
| Net loans and leases to deposits | 44.2612% | 5,747 |
| Net loans and leases to core deposits | 45.8825% | 5,761 |
| Total domestic deposits to total assets | 87.3276% | 2,200 |
| Equity capital to assets | 12.3817% | 1,768 |
| Core capital (leverage) ratio | 12.1756% | 1,527 |
| Tier 1 risk-based capital ratio | 26.1516% | 775 |
| Total risk-based capital ratio | 27.4081% | 756 |
| Memoranda: | ||
| Average total assets | $164,704,000 | 3,447 |
| Average earning assets | $150,600,500 | 3,454 |
| Average equity | $20,788,500 | 3,154 |
| Average total loans | $66,461,000 | 4,290 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2263% | 2,863 |
| Cost of funding earning assets | 0.5036% | 2,639 |
| Net interest margin | 3.7227% | 2,914 |
| Noninterest income to average assets | 0.4468% | 3,853 |
| Noninterest expense to average assets | 1.7839% | 6,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.0423% | 305 |
| Return on assets (ROA) | 2.0429% | 312 |
| Pretax return on assets | 2.0429% | 476 |
| Return on Equity (ROE) | 16.4935% | 553 |
| Retained earnings to average equity (ytd only) | 9.0805% | 688 |
| Net charge-offs to loans | -0.3433% | 6,348 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6238% | 6,241 |
| Assets per employee ($millions) | 8.4115% | 456 |
| Cash dividends to net income (ytd only)* | 44.9445% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0836% | 973 |
| Loan loss allowance to noncurrent loans | 76.0088% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.1644% | 2,436 |
| Noncurrent loans to loans | 2.7412% | 883 |
| Net loans and leases to total assets | 40.4314% | 5,715 |
| Net loans and leases to deposits | 46.5658% | 5,768 |
| Net loans and leases to core deposits | 48.7503% | 5,773 |
| Total domestic deposits to total assets | 86.8263% | 2,373 |
| Equity capital to assets | 12.8764% | 1,426 |
| Core capital (leverage) ratio | 12.2526% | 1,475 |
| Tier 1 risk-based capital ratio | 24.4102% | 903 |
| Total risk-based capital ratio | 25.6661% | 883 |
| Memoranda: | ||
| Average total assets | $154,434,800 | 3,567 |
| Average earning assets | $140,192,400 | 3,606 |
| Average equity | $19,128,800 | 3,269 |
| Average total loans | $69,618,200 | 4,195 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2646% | 2,763 |
| Cost of funding earning assets | 0.5098% | 2,662 |
| Net interest margin | 3.7548% | 2,794 |
| Noninterest income to average assets | 0.4625% | 3,794 |
| Noninterest expense to average assets | 1.7915% | 6,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.0772% | 298 |
| Return on assets (ROA) | 2.0772% | 308 |
| Pretax return on assets | 2.0772% | 475 |
| Return on Equity (ROE) | 16.9449% | 555 |
| Retained earnings to average equity (ytd only) | 6.8703% | 1,889 |
| Net charge-offs to loans | -0.1720% | 6,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3080% | 6,285 |
| Assets per employee ($millions) | 8.4966% | 424 |
| Cash dividends to net income (ytd only)* | 59.4550% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8093% | 1,674 |
| Loan loss allowance to noncurrent loans | 131.5451% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 4,011 |
| Noncurrent loans to loans | 1.3754% | 2,359 |
| Net loans and leases to total assets | 41.2145% | 5,733 |
| Net loans and leases to deposits | 46.9989% | 5,820 |
| Net loans and leases to core deposits | 49.7057% | 5,806 |
| Total domestic deposits to total assets | 87.6923% | 1,924 |
| Equity capital to assets | 12.0134% | 2,044 |
| Core capital (leverage) ratio | 12.3533% | 1,486 |
| Tier 1 risk-based capital ratio | 23.0506% | 1,101 |
| Total risk-based capital ratio | 24.3043% | 1,085 |
| Memoranda: | ||
| Average total assets | $153,088,750 | 3,614 |
| Average earning assets | $138,877,250 | 3,649 |
| Average equity | $18,766,250 | 3,332 |
| Average total loans | $70,524,750 | 4,201 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 2,269 |
| Cost of funding earning assets | 0.5190% | 2,645 |
| Net interest margin | 3.8573% | 2,346 |
| Noninterest income to average assets | 0.4897% | 3,553 |
| Noninterest expense to average assets | 1.7963% | 6,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1942% | 231 |
| Return on assets (ROA) | 2.1942% | 239 |
| Pretax return on assets | 2.1942% | 369 |
| Return on Equity (ROE) | 17.7723% | 481 |
| Retained earnings to average equity (ytd only) | 6.2618% | 2,177 |
| Net charge-offs to loans | -0.3471% | 6,460 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0150% | 6,390 |
| Assets per employee ($millions) | 7.4864% | 635 |
| Cash dividends to net income (ytd only)* | 64.7665% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8731% | 1,644 |
| Loan loss allowance to noncurrent loans | 160.5096% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 4,313 |
| Noncurrent loans to loans | 1.1670% | 2,891 |
| Net loans and leases to total assets | 44.0849% | 5,529 |
| Net loans and leases to deposits | 50.6927% | 5,581 |
| Net loans and leases to core deposits | 54.0917% | 5,543 |
| Total domestic deposits to total assets | 86.9649% | 2,469 |
| Equity capital to assets | 12.7746% | 1,504 |
| Core capital (leverage) ratio | 12.2343% | 1,535 |
| Tier 1 risk-based capital ratio | 23.1497% | 1,091 |
| Total risk-based capital ratio | 24.4038% | 1,076 |
| Memoranda: | ||
| Average total assets | $150,306,330 | 3,674 |
| Average earning assets | $136,415,000 | 3,704 |
| Average equity | $18,557,000 | 3,353 |
| Average total loans | $71,446,000 | 4,183 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 2,225 |
| Cost of funding earning assets | 0.5233% | 2,674 |
| Net interest margin | 3.8563% | 2,249 |
| Noninterest income to average assets | 0.4781% | 3,578 |
| Noninterest expense to average assets | 1.7637% | 6,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.2179% | 228 |
| Return on assets (ROA) | 2.2179% | 241 |
| Pretax return on assets | 2.2179% | 346 |
| Return on Equity (ROE) | 18.2793% | 422 |
| Retained earnings to average equity (ytd only) | 9.0630% | 1,224 |
| Net charge-offs to loans | 0.0490% | 2,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 92.7778% | 487 |
| Efficiency ratio | 44.2962% | 6,489 |
| Assets per employee ($millions) | 7.6705% | 574 |
| Cash dividends to net income (ytd only)* | 50.4192% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 2,974 |
| Loan loss allowance to noncurrent loans | 111.3636% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 4,028 |
| Noncurrent loans to loans | 1.3822% | 2,717 |
| Net loans and leases to total assets | 46.9933% | 5,232 |
| Net loans and leases to deposits | 53.5952% | 5,321 |
| Net loans and leases to core deposits | 57.2477% | 5,262 |
| Total domestic deposits to total assets | 87.6819% | 2,414 |
| Equity capital to assets | 12.0430% | 1,841 |
| Core capital (leverage) ratio | 12.2667% | 1,499 |
| Tier 1 risk-based capital ratio | 21.6703% | 1,346 |
| Total risk-based capital ratio | 22.9222% | 1,326 |
| Memoranda: | ||
| Average total assets | $150,596,000 | 3,697 |
| Average earning assets | $136,814,500 | 3,717 |
| Average equity | $18,272,000 | 3,388 |
| Average total loans | $73,535,500 | 4,145 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 2,239 |
| Cost of funding earning assets | 0.5575% | 3,047 |
| Net interest margin | 3.9349% | 2,161 |
| Noninterest income to average assets | 0.6285% | 2,927 |
| Noninterest expense to average assets | 1.8044% | 6,311 |
| Loan and lease loss provision to assets | 0.1945% | 1,905 |
| Net operating income to assets | 2.2228% | 236 |
| Return on assets (ROA) | 2.2740% | 225 |
| Pretax return on assets | 2.2740% | 280 |
| Return on Equity (ROE) | 18.6399% | 364 |
| Retained earnings to average equity (ytd only) | 11.4905% | 369 |
| Net charge-offs to loans | 0.4963% | 1,335 |
| Credit loss provision to net charge-offs | 77.8689% | 3,097 |
| Earnings coverage of net charge-offs (x) | 9.6776% | 2,472 |
| Efficiency ratio | 42.7417% | 6,642 |
| Assets per employee ($millions) | 7.3892% | 631 |
| Cash dividends to net income (ytd only)* | 38.3553% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 3,016 |
| Loan loss allowance to noncurrent loans | 410.1083% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2226% | 5,614 |
| Noncurrent loans to loans | 0.3751% | 5,067 |
| Net loans and leases to total assets | 49.2046% | 5,175 |
| Net loans and leases to deposits | 56.3245% | 5,274 |
| Net loans and leases to core deposits | 60.6320% | 5,171 |
| Total domestic deposits to total assets | 87.3592% | 2,549 |
| Equity capital to assets | 12.2267% | 1,666 |
| Core capital (leverage) ratio | 12.1269% | 1,525 |
| Tier 1 risk-based capital ratio | 21.1250% | 1,401 |
| Total risk-based capital ratio | 22.3772% | 1,380 |
| Memoranda: | ||
| Average total assets | $146,527,800 | 3,761 |
| Average earning assets | $133,802,800 | 3,758 |
| Average equity | $17,875,600 | 3,438 |
| Average total loans | $73,739,000 | 4,141 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4699% | 2,345 |
| Cost of funding earning assets | 0.5597% | 3,164 |
| Net interest margin | 3.9102% | 2,234 |
| Noninterest income to average assets | 0.6812% | 2,730 |
| Noninterest expense to average assets | 1.8666% | 6,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.3818% | 198 |
| Return on assets (ROA) | 2.4502% | 190 |
| Pretax return on assets | 2.4502% | 256 |
| Return on Equity (ROE) | 20.0961% | 291 |
| Retained earnings to average equity (ytd only) | 10.5379% | 680 |
| Net charge-offs to loans | 0.1013% | 3,532 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 46.6459% | 903 |
| Efficiency ratio | 43.9365% | 6,657 |
| Assets per employee ($millions) | 6.9489% | 774 |
| Cash dividends to net income (ytd only)* | 47.5624% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 2,982 |
| Loan loss allowance to noncurrent loans | 108.2013% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 4,178 |
| Noncurrent loans to loans | 1.4833% | 2,941 |
| Net loans and leases to total assets | 48.7751% | 5,266 |
| Net loans and leases to deposits | 55.4996% | 5,414 |
| Net loans and leases to core deposits | 59.5261% | 5,340 |
| Total domestic deposits to total assets | 87.8837% | 2,199 |
| Equity capital to assets | 11.7634% | 2,071 |
| Core capital (leverage) ratio | 11.7301% | 1,868 |
| Tier 1 risk-based capital ratio | 20.7022% | 1,558 |
| Total risk-based capital ratio | 21.9653% | 1,528 |
| Memoranda: | ||
| Average total assets | $146,214,000 | 3,808 |
| Average earning assets | $133,392,000 | 3,808 |
| Average equity | $17,827,250 | 3,488 |
| Average total loans | $73,710,750 | 4,169 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 2,248 |
| Cost of funding earning assets | 0.5629% | 3,282 |
| Net interest margin | 3.9236% | 2,135 |
| Noninterest income to average assets | 0.7655% | 2,350 |
| Noninterest expense to average assets | 1.8946% | 6,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.4346% | 188 |
| Return on assets (ROA) | 2.4346% | 200 |
| Pretax return on assets | 2.4346% | 298 |
| Return on Equity (ROE) | 19.7366% | 325 |
| Retained earnings to average equity (ytd only) | 9.7187% | 908 |
| Net charge-offs to loans | 0.0782% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 61.4138% | 685 |
| Efficiency ratio | 43.7638% | 6,714 |
| Assets per employee ($millions) | 7.2835% | 633 |
| Cash dividends to net income (ytd only)* | 50.7580% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6340% | 3,029 |
| Loan loss allowance to noncurrent loans | 100.9338% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.8444% | 4,125 |
| Noncurrent loans to loans | 1.6189% | 2,879 |
| Net loans and leases to total assets | 49.1350% | 5,209 |
| Net loans and leases to deposits | 56.2599% | 5,308 |
| Net loans and leases to core deposits | 60.1173% | 5,256 |
| Total domestic deposits to total assets | 87.3358% | 2,634 |
| Equity capital to assets | 12.3540% | 1,672 |
| Core capital (leverage) ratio | 11.4882% | 1,943 |
| Tier 1 risk-based capital ratio | 19.8947% | 1,744 |
| Total risk-based capital ratio | 21.1577% | 1,713 |
| Memoranda: | ||
| Average total assets | $146,309,670 | 3,830 |
| Average earning assets | $132,889,330 | 3,849 |
| Average equity | $18,047,670 | 3,473 |
| Average total loans | $74,168,670 | 4,168 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 2,189 |
| Cost of funding earning assets | 0.5676% | 3,400 |
| Net interest margin | 3.9276% | 2,019 |
| Noninterest income to average assets | 0.4419% | 4,162 |
| Noninterest expense to average assets | 1.8414% | 6,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.1305% | 273 |
| Return on assets (ROA) | 2.1305% | 299 |
| Pretax return on assets | 2.1305% | 464 |
| Return on Equity (ROE) | 17.2850% | 488 |
| Retained earnings to average equity (ytd only) | 9.6495% | 1,199 |
| Net charge-offs to loans | 0.1015% | 2,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 41.1053% | 773 |
| Efficiency ratio | 46.3599% | 6,679 |
| Assets per employee ($millions) | 7.3786% | 637 |
| Cash dividends to net income (ytd only)* | 44.1741% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6201% | 3,315 |
| Loan loss allowance to noncurrent loans | 102.3932% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.8281% | 4,307 |
| Noncurrent loans to loans | 1.5823% | 3,157 |
| Net loans and leases to total assets | 49.2956% | 5,076 |
| Net loans and leases to deposits | 56.3835% | 5,206 |
| Net loans and leases to core deposits | 60.0135% | 5,150 |
| Total domestic deposits to total assets | 87.4291% | 2,670 |
| Equity capital to assets | 12.2775% | 1,851 |
| Core capital (leverage) ratio | 11.1937% | 2,102 |
| Tier 1 risk-based capital ratio | 18.8416% | 2,082 |
| Total risk-based capital ratio | 20.1036% | 2,057 |
| Memoranda: | ||
| Average total assets | $146,629,500 | 3,868 |
| Average earning assets | $131,784,000 | 3,906 |
| Average equity | $18,073,500 | 3,514 |
| Average total loans | $74,871,000 | 4,173 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 2,466 |
| Cost of funding earning assets | 0.7239% | 3,297 |
| Net interest margin | 4.0075% | 2,365 |
| Noninterest income to average assets | 0.6266% | 3,131 |
| Noninterest expense to average assets | 1.8874% | 6,507 |
| Loan and lease loss provision to assets | 0.3585% | 1,858 |
| Net operating income to assets | 2.0179% | 347 |
| Return on assets (ROA) | 2.1112% | 325 |
| Pretax return on assets | 2.1112% | 482 |
| Return on Equity (ROE) | 18.3051% | 420 |
| Retained earnings to average equity (ytd only) | 11.5126% | 374 |
| Net charge-offs to loans | 0.5657% | 2,035 |
| Credit loss provision to net charge-offs | 120.6977% | 2,374 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,494 |
| Efficiency ratio | 44.2644% | 6,837 |
| Assets per employee ($millions) | 7.2844% | 681 |
| Cash dividends to net income (ytd only)* | 37.1073% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 3,284 |
| Loan loss allowance to noncurrent loans | 424.0418% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 5,658 |
| Noncurrent loans to loans | 0.3786% | 5,552 |
| Net loans and leases to total assets | 51.1923% | 5,011 |
| Net loans and leases to deposits | 58.6154% | 5,171 |
| Net loans and leases to core deposits | 62.7290% | 5,088 |
| Total domestic deposits to total assets | 87.3360% | 2,624 |
| Equity capital to assets | 12.3751% | 1,807 |
| Core capital (leverage) ratio | 11.0384% | 2,224 |
| Tier 1 risk-based capital ratio | 17.8424% | 2,318 |
| Total risk-based capital ratio | 19.1039% | 2,286 |
| Memoranda: | ||
| Average total assets | $144,751,400 | 3,865 |
| Average earning assets | $131,380,200 | 3,860 |
| Average equity | $16,694,800 | 3,675 |
| Average total loans | $76,011,000 | 4,155 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 2,603 |
| Cost of funding earning assets | 0.7594% | 3,275 |
| Net interest margin | 3.9857% | 2,559 |
| Noninterest income to average assets | 0.6827% | 2,800 |
| Noninterest expense to average assets | 1.9439% | 6,454 |
| Loan and lease loss provision to assets | 0.4558% | 1,365 |
| Net operating income to assets | 1.9051% | 445 |
| Return on assets (ROA) | 1.9494% | 474 |
| Pretax return on assets | 1.9494% | 777 |
| Return on Equity (ROE) | 17.2191% | 586 |
| Retained earnings to average equity (ytd only) | 7.9780% | 1,624 |
| Net charge-offs to loans | 0.6924% | 1,590 |
| Credit loss provision to net charge-offs | 125.0633% | 2,304 |
| Earnings coverage of net charge-offs (x) | 6.4785% | 2,781 |
| Efficiency ratio | 45.1565% | 6,860 |
| Assets per employee ($millions) | 7.1913% | 676 |
| Cash dividends to net income (ytd only)* | 53.6677% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 3,390 |
| Loan loss allowance to noncurrent loans | 354.9133% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6209% | 5,119 |
| Noncurrent loans to loans | 0.4607% | 5,525 |
| Net loans and leases to total assets | 51.3638% | 5,130 |
| Net loans and leases to deposits | 58.4326% | 5,384 |
| Net loans and leases to core deposits | 62.2705% | 5,331 |
| Total domestic deposits to total assets | 87.9027% | 2,101 |
| Equity capital to assets | 11.8888% | 2,361 |
| Core capital (leverage) ratio | 10.4511% | 2,977 |
| Tier 1 risk-based capital ratio | 16.9973% | 2,731 |
| Total risk-based capital ratio | 18.2591% | 2,687 |
| Memoranda: | ||
| Average total assets | $144,517,250 | 3,912 |
| Average earning assets | $131,332,250 | 3,908 |
| Average equity | $16,361,250 | 3,761 |
| Average total loans | $76,064,250 | 4,198 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7417% | 2,751 |
| Cost of funding earning assets | 0.7986% | 3,200 |
| Net interest margin | 3.9431% | 2,738 |
| Noninterest income to average assets | 0.5140% | 3,829 |
| Noninterest expense to average assets | 1.9330% | 6,542 |
| Loan and lease loss provision to assets | 0.2860% | 2,289 |
| Net operating income to assets | 1.8833% | 477 |
| Return on assets (ROA) | 1.9496% | 487 |
| Pretax return on assets | 1.9496% | 760 |
| Return on Equity (ROE) | 17.5113% | 568 |
| Retained earnings to average equity (ytd only) | 6.7637% | 2,241 |
| Net charge-offs to loans | 0.5132% | 2,046 |
| Credit loss provision to net charge-offs | 105.6122% | 2,575 |
| Earnings coverage of net charge-offs (x) | 8.0102% | 2,375 |
| Efficiency ratio | 47.1202% | 6,827 |
| Assets per employee ($millions) | 7.6035% | 560 |
| Cash dividends to net income (ytd only)* | 61.3749% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 4,050 |
| Loan loss allowance to noncurrent loans | 131.8287% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.7808% | 4,839 |
| Noncurrent loans to loans | 1.1313% | 4,265 |
| Net loans and leases to total assets | 52.0745% | 5,088 |
| Net loans and leases to deposits | 58.8488% | 5,361 |
| Net loans and leases to core deposits | 62.7267% | 5,328 |
| Total domestic deposits to total assets | 88.4886% | 1,829 |
| Equity capital to assets | 11.3141% | 2,772 |
| Core capital (leverage) ratio | 10.1773% | 3,168 |
| Tier 1 risk-based capital ratio | 16.2022% | 3,065 |
| Total risk-based capital ratio | 17.4617% | 3,025 |
| Memoranda: | ||
| Average total assets | $144,748,000 | 3,926 |
| Average earning assets | $131,724,000 | 3,928 |
| Average equity | $16,115,330 | 3,788 |
| Average total loans | $76,385,000 | 4,205 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7410% | 2,883 |
| Cost of funding earning assets | 0.8465% | 3,092 |
| Net interest margin | 3.8945% | 2,952 |
| Noninterest income to average assets | 0.4859% | 4,014 |
| Noninterest expense to average assets | 1.9298% | 6,590 |
| Loan and lease loss provision to assets | 0.3451% | 1,813 |
| Net operating income to assets | 1.7420% | 670 |
| Return on assets (ROA) | 1.8580% | 604 |
| Pretax return on assets | 1.8580% | 955 |
| Return on Equity (ROE) | 16.8245% | 697 |
| Retained earnings to average equity (ytd only) | 8.2247% | 1,894 |
| Net charge-offs to loans | 1.0996% | 938 |
| Credit loss provision to net charge-offs | 59.5238% | 3,127 |
| Earnings coverage of net charge-offs (x) | 3.6000% | 2,796 |
| Efficiency ratio | 48.0412% | 6,801 |
| Assets per employee ($millions) | 7.7126% | 555 |
| Cash dividends to net income (ytd only)* | 51.1144% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 4,665 |
| Loan loss allowance to noncurrent loans | 229.2308% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 5,715 |
| Noncurrent loans to loans | 0.6055% | 5,450 |
| Net loans and leases to total assets | 50.5705% | 5,224 |
| Net loans and leases to deposits | 56.8974% | 5,499 |
| Net loans and leases to core deposits | 60.8449% | 5,450 |
| Total domestic deposits to total assets | 88.8802% | 1,773 |
| Equity capital to assets | 10.9376% | 2,978 |
| Core capital (leverage) ratio | 10.0112% | 3,356 |
| Tier 1 risk-based capital ratio | 16.5819% | 2,871 |
| Total risk-based capital ratio | 17.7798% | 2,863 |
| Memoranda: | ||
| Average total assets | $144,889,000 | 3,961 |
| Average earning assets | $131,364,000 | 3,959 |
| Average equity | $16,000,500 | 3,819 |
| Average total loans | $76,393,000 | 4,230 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2666% | 1,812 |
| Cost of funding earning assets | 1.0318% | 3,153 |
| Net interest margin | 4.2348% | 1,944 |
| Noninterest income to average assets | 0.4727% | 4,042 |
| Noninterest expense to average assets | 1.8313% | 6,917 |
| Loan and lease loss provision to assets | 0.4126% | 2,532 |
| Net operating income to assets | 2.1238% | 255 |
| Return on assets (ROA) | 2.2092% | 232 |
| Pretax return on assets | 2.2092% | 363 |
| Return on Equity (ROE) | 21.1375% | 217 |
| Retained earnings to average equity (ytd only) | 12.9027% | 235 |
| Net charge-offs to loans | 0.8358% | 2,074 |
| Credit loss provision to net charge-offs | 85.7143% | 4,210 |
| Earnings coverage of net charge-offs (x) | 5.2692% | 2,846 |
| Efficiency ratio | 41.9291% | 7,171 |
| Assets per employee ($millions) | 7.1619% | 671 |
| Cash dividends to net income (ytd only)* | 38.9581% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 4,219 |
| Loan loss allowance to noncurrent loans | 153.4694% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6653% | 5,319 |
| Noncurrent loans to loans | 0.9467% | 4,810 |
| Net loans and leases to total assets | 53.4139% | 5,112 |
| Net loans and leases to deposits | 60.2594% | 5,456 |
| Net loans and leases to core deposits | 64.8381% | 5,382 |
| Total domestic deposits to total assets | 88.6399% | 1,760 |
| Equity capital to assets | 11.1514% | 2,842 |
| Core capital (leverage) ratio | 9.7973% | 3,611 |
| Tier 1 risk-based capital ratio | 15.7682% | 3,172 |
| Total risk-based capital ratio | 17.0290% | 3,129 |
| Memoranda: | ||
| Average total assets | $138,151,800 | 4,007 |
| Average earning assets | $127,065,400 | 3,993 |
| Average equity | $14,438,800 | 4,022 |
| Average total loans | $79,564,800 | 4,153 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4036% | 1,500 |
| Cost of funding earning assets | 1.0665% | 3,201 |
| Net interest margin | 4.3371% | 1,593 |
| Noninterest income to average assets | 0.4490% | 4,302 |
| Noninterest expense to average assets | 1.8634% | 6,901 |
| Loan and lease loss provision to assets | 0.1656% | 4,406 |
| Net operating income to assets | 2.4050% | 179 |
| Return on assets (ROA) | 2.5199% | 157 |
| Pretax return on assets | 2.5199% | 236 |
| Return on Equity (ROE) | 24.5407% | 147 |
| Retained earnings to average equity (ytd only) | 13.2616% | 352 |
| Net charge-offs to loans | 0.4780% | 2,824 |
| Credit loss provision to net charge-offs | 59.2334% | 4,829 |
| Earnings coverage of net charge-offs (x) | 9.1951% | 2,082 |
| Efficiency ratio | 42.0255% | 7,208 |
| Assets per employee ($millions) | 7.6724% | 539 |
| Cash dividends to net income (ytd only)* | 45.9604% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 4,506 |
| Loan loss allowance to noncurrent loans | 132.2967% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7512% | 5,280 |
| Noncurrent loans to loans | 1.0673% | 4,781 |
| Net loans and leases to total assets | 52.9731% | 5,328 |
| Net loans and leases to deposits | 59.4152% | 5,705 |
| Net loans and leases to core deposits | 63.2884% | 5,693 |
| Total domestic deposits to total assets | 89.1573% | 1,327 |
| Equity capital to assets | 10.6170% | 3,553 |
| Core capital (leverage) ratio | 9.4422% | 4,238 |
| Tier 1 risk-based capital ratio | 15.1798% | 3,558 |
| Total risk-based capital ratio | 16.4104% | 3,540 |
| Memoranda: | ||
| Average total assets | $136,880,250 | 4,060 |
| Average earning assets | $125,764,500 | 4,044 |
| Average equity | $14,055,250 | 4,111 |
| Average total loans | $80,046,750 | 4,172 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4960% | 1,301 |
| Cost of funding earning assets | 1.0772% | 3,413 |
| Net interest margin | 4.4188% | 1,317 |
| Noninterest income to average assets | 0.4704% | 4,105 |
| Noninterest expense to average assets | 1.9057% | 6,942 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.6450% | 138 |
| Return on assets (ROA) | 2.7137% | 133 |
| Pretax return on assets | 2.7137% | 188 |
| Return on Equity (ROE) | 26.7573% | 103 |
| Retained earnings to average equity (ytd only) | 14.1371% | 299 |
| Net charge-offs to loans | 0.5011% | 2,602 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.7673% | 2,009 |
| Efficiency ratio | 41.8773% | 7,302 |
| Assets per employee ($millions) | 8.1724% | 426 |
| Cash dividends to net income (ytd only)* | 47.1657% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 5,098 |
| Loan loss allowance to noncurrent loans | 72.0536% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.1020% | 4,686 |
| Noncurrent loans to loans | 1.7929% | 3,765 |
| Net loans and leases to total assets | 56.1527% | 4,970 |
| Net loans and leases to deposits | 62.7932% | 5,416 |
| Net loans and leases to core deposits | 67.4474% | 5,347 |
| Total domestic deposits to total assets | 89.4249% | 1,283 |
| Equity capital to assets | 10.3289% | 3,714 |
| Core capital (leverage) ratio | 9.6411% | 3,747 |
| Tier 1 risk-based capital ratio | 15.1106% | 3,444 |
| Total risk-based capital ratio | 16.2789% | 3,452 |
| Memoranda: | ||
| Average total assets | $133,915,000 | 4,147 |
| Average earning assets | $123,654,670 | 4,121 |
| Average equity | $13,581,330 | 4,204 |
| Average total loans | $80,619,670 | 4,190 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5843% | 1,086 |
| Cost of funding earning assets | 1.0884% | 3,596 |
| Net interest margin | 4.4959% | 1,082 |
| Noninterest income to average assets | 0.4992% | 3,899 |
| Noninterest expense to average assets | 1.9268% | 6,944 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.7091% | 142 |
| Return on assets (ROA) | 2.7152% | 147 |
| Pretax return on assets | 2.7152% | 194 |
| Return on Equity (ROE) | 27.0364% | 119 |
| Retained earnings to average equity (ytd only) | 19.6408% | 175 |
| Net charge-offs to loans | 0.7173% | 1,782 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 6.0959% | 2,158 |
| Efficiency ratio | 41.5627% | 7,358 |
| Assets per employee ($millions) | 7.0178% | 729 |
| Cash dividends to net income (ytd only)* | 27.3543% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 4,976 |
| Loan loss allowance to noncurrent loans | 144.3700% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 5,573 |
| Noncurrent loans to loans | 0.9235% | 5,186 |
| Net loans and leases to total assets | 59.7737% | 4,315 |
| Net loans and leases to deposits | 66.8179% | 4,859 |
| Net loans and leases to core deposits | 71.8649% | 4,808 |
| Total domestic deposits to total assets | 89.4576% | 1,506 |
| Equity capital to assets | 10.3076% | 3,400 |
| Core capital (leverage) ratio | 9.9146% | 3,253 |
| Tier 1 risk-based capital ratio | 14.6246% | 3,660 |
| Total risk-based capital ratio | 15.8464% | 3,636 |
| Memoranda: | ||
| Average total assets | $131,407,500 | 4,225 |
| Average earning assets | $120,911,000 | 4,200 |
| Average equity | $13,197,000 | 4,293 |
| Average total loans | $81,412,500 | 4,210 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9148% | 1,010 |
| Cost of funding earning assets | 1.2497% | 4,216 |
| Net interest margin | 4.6651% | 880 |
| Noninterest income to average assets | 0.6612% | 3,072 |
| Noninterest expense to average assets | 2.1110% | 6,819 |
| Loan and lease loss provision to assets | 0.9654% | 1,678 |
| Net operating income to assets | 1.9186% | 328 |
| Return on assets (ROA) | 1.9070% | 355 |
| Pretax return on assets | 1.9079% | 599 |
| Return on Equity (ROE) | 18.1988% | 364 |
| Retained earnings to average equity (ytd only) | 9.4879% | 606 |
| Net charge-offs to loans | 0.8586% | 2,488 |
| Credit loss provision to net charge-offs | 172.6471% | 1,955 |
| Earnings coverage of net charge-offs (x) | 5.1588% | 2,702 |
| Efficiency ratio | 42.2551% | 7,455 |
| Assets per employee ($millions) | 6.8146% | 812 |
| Cash dividends to net income (ytd only)* | 47.8655% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 4,058 |
| Loan loss allowance to noncurrent loans | 172.3944% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 5,803 |
| Noncurrent loans to loans | 0.8654% | 5,332 |
| Net loans and leases to total assets | 62.4227% | 4,196 |
| Net loans and leases to deposits | 69.4302% | 4,893 |
| Net loans and leases to core deposits | 74.5978% | 4,898 |
| Total domestic deposits to total assets | 89.9071% | 1,155 |
| Equity capital to assets | 9.7701% | 4,030 |
| Core capital (leverage) ratio | 10.0505% | 3,031 |
| Tier 1 risk-based capital ratio | 12.4103% | 5,101 |
| Total risk-based capital ratio | 13.6509% | 5,092 |
| Memoranda: | ||
| Average total assets | $121,602,000 | 4,452 |
| Average earning assets | $112,988,000 | 4,399 |
| Average equity | $12,742,600 | 4,413 |
| Average total loans | $79,196,000 | 4,362 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9995% | 938 |
| Cost of funding earning assets | 1.2658% | 4,460 |
| Net interest margin | 4.7337% | 776 |
| Noninterest income to average assets | 0.6765% | 2,969 |
| Noninterest expense to average assets | 2.1153% | 6,816 |
| Loan and lease loss provision to assets | 0.5004% | 2,959 |
| Net operating income to assets | 2.4619% | 142 |
| Return on assets (ROA) | 2.4463% | 158 |
| Pretax return on assets | 2.4463% | 254 |
| Return on Equity (ROE) | 22.9253% | 162 |
| Retained earnings to average equity (ytd only) | 11.3321% | 552 |
| Net charge-offs to loans | 0.2990% | 4,168 |
| Credit loss provision to net charge-offs | 255.1136% | 1,304 |
| Earnings coverage of net charge-offs (x) | 15.1023% | 1,463 |
| Efficiency ratio | 41.6594% | 7,538 |
| Assets per employee ($millions) | 7.0342% | 760 |
| Cash dividends to net income (ytd only)* | 50.5694% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 5,251 |
| Loan loss allowance to noncurrent loans | 61.6995% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.3458% | 4,473 |
| Noncurrent loans to loans | 2.0217% | 3,650 |
| Net loans and leases to total assets | 62.6501% | 4,398 |
| Net loans and leases to deposits | 70.4272% | 5,083 |
| Net loans and leases to core deposits | 75.3195% | 5,144 |
| Total domestic deposits to total assets | 88.9572% | 1,412 |
| Equity capital to assets | 10.7372% | 3,243 |
| Core capital (leverage) ratio | 10.1353% | 3,114 |
| Tier 1 risk-based capital ratio | 12.4251% | 5,056 |
| Total risk-based capital ratio | 13.4526% | 5,237 |
| Memoranda: | ||
| Average total assets | $119,633,250 | 4,548 |
| Average earning assets | $111,228,750 | 4,499 |
| Average equity | $12,765,750 | 4,482 |
| Average total loans | $78,483,250 | 4,449 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0795% | 791 |
| Cost of funding earning assets | 1.2447% | 4,868 |
| Net interest margin | 4.8348% | 620 |
| Noninterest income to average assets | 0.7314% | 2,510 |
| Noninterest expense to average assets | 2.1755% | 6,710 |
| Loan and lease loss provision to assets | 0.2540% | 4,391 |
| Net operating income to assets | 2.8251% | 99 |
| Return on assets (ROA) | 2.8012% | 106 |
| Pretax return on assets | 2.8012% | 154 |
| Return on Equity (ROE) | 26.3105% | 100 |
| Retained earnings to average equity (ytd only) | 12.6188% | 421 |
| Net charge-offs to loans | 0.2979% | 3,834 |
| Credit loss provision to net charge-offs | 128.4483% | 3,130 |
| Earnings coverage of net charge-offs (x) | 15.5690% | 1,450 |
| Efficiency ratio | 41.4017% | 7,612 |
| Assets per employee ($millions) | 5.9901% | 1,238 |
| Cash dividends to net income (ytd only)* | 52.0390% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 6,641 |
| Loan loss allowance to noncurrent loans | 52.9861% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.2212% | 4,695 |
| Noncurrent loans to loans | 1.7654% | 4,038 |
| Net loans and leases to total assets | 67.4485% | 3,510 |
| Net loans and leases to deposits | 75.9008% | 4,354 |
| Net loans and leases to core deposits | 83.5417% | 4,205 |
| Total domestic deposits to total assets | 88.8640% | 1,514 |
| Equity capital to assets | 10.7971% | 3,075 |
| Core capital (leverage) ratio | 10.0103% | 3,152 |
| Tier 1 risk-based capital ratio | 10.2638% | 6,865 |
| Total risk-based capital ratio | 10.9262% | 7,185 |
| Memoranda: | ||
| Average total assets | $117,305,670 | 4,630 |
| Average earning assets | $109,745,670 | 4,564 |
| Average equity | $12,489,330 | 4,553 |
| Average total loans | $77,868,670 | 4,510 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0035% | 979 |
| Cost of funding earning assets | 2.0157% | 1,027 |
| Net interest margin | 3.9877% | 2,926 |
| Noninterest income to average assets | 0.7927% | 2,057 |
| Noninterest expense to average assets | 2.1817% | 6,736 |
| Loan and lease loss provision to assets | 0.2240% | 4,254 |
| Net operating income to assets | 2.1575% | 270 |
| Return on assets (ROA) | 2.1093% | 317 |
| Pretax return on assets | 2.1093% | 500 |
| Return on Equity (ROE) | 19.9568% | 386 |
| Retained earnings to average equity (ytd only) | 8.3153% | 1,587 |
| Net charge-offs to loans | 0.1000% | 4,419 |
| Credit loss provision to net charge-offs | 342.1053% | 1,179 |
| Earnings coverage of net charge-offs (x) | 36.3684% | 754 |
| Efficiency ratio | 47.8097% | 7,451 |
| Assets per employee ($millions) | 5.9036% | 1,334 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 6,547 |
| Loan loss allowance to noncurrent loans | 41.8241% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 1.5889% | 4,118 |
| Noncurrent loans to loans | 2.3525% | 3,325 |
| Net loans and leases to total assets | 66.0546% | 3,837 |
| Net loans and leases to deposits | 74.1165% | 4,720 |
| Net loans and leases to core deposits | 82.1003% | 4,477 |
| Total domestic deposits to total assets | 89.1227% | 1,456 |
| Equity capital to assets | 10.4953% | 3,247 |
| Core capital (leverage) ratio | 9.6891% | 3,531 |
| Tier 1 risk-based capital ratio | 12.6981% | 4,564 |
| Total risk-based capital ratio | 13.5699% | 4,843 |
| Memoranda: | ||
| Average total assets | $116,058,000 | 4,721 |
| Average earning assets | $109,736,500 | 4,621 |
| Average equity | $12,266,500 | 4,643 |
| Average total loans | $76,019,500 | 4,636 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3207% | 982 |
| Cost of funding earning assets | 2.4657% | 1,104 |
| Net interest margin | 3.8550% | 3,460 |
| Noninterest income to average assets | 0.7222% | 2,838 |
| Noninterest expense to average assets | 2.0985% | 7,192 |
| Loan and lease loss provision to assets | 0.8515% | 2,607 |
| Net operating income to assets | 1.3848% | 878 |
| Return on assets (ROA) | 1.6705% | 500 |
| Pretax return on assets | 1.6705% | 833 |
| Return on Equity (ROE) | 15.6941% | 582 |
| Retained earnings to average equity (ytd only) | 6.9946% | 959 |
| Net charge-offs to loans | 1.0448% | 2,319 |
| Credit loss provision to net charge-offs | 134.5588% | 3,690 |
| Earnings coverage of net charge-offs (x) | 3.5338% | 3,304 |
| Efficiency ratio | 48.4113% | 7,615 |
| Assets per employee ($millions) | 5.7022% | 1,465 |
| Cash dividends to net income (ytd only)* | 55.4318% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 6,422 |
| Loan loss allowance to noncurrent loans | 49.8632% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 1.3021% | 4,479 |
| Noncurrent loans to loans | 1.9953% | 3,653 |
| Net loans and leases to total assets | 63.6097% | 4,676 |
| Net loans and leases to deposits | 71.5612% | 5,396 |
| Net loans and leases to core deposits | 132.0693% | 1,167 |
| Total domestic deposits to total assets | 88.8885% | 1,529 |
| Equity capital to assets | 10.6459% | 3,028 |
| Core capital (leverage) ratio | 9.9237% | 3,167 |
| Tier 1 risk-based capital ratio | 9.7050% | 7,097 |
| Total risk-based capital ratio | 10.3462% | 7,449 |
| Memoranda: | ||
| Average total assets | $107,456,000 | 4,892 |
| Average earning assets | $100,700,200 | 4,827 |
| Average equity | $11,437,400 | 4,900 |
| Average total loans | $65,086,800 | 5,062 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4398% | 856 |
| Cost of funding earning assets | 2.5319% | 1,203 |
| Net interest margin | 3.9078% | 3,213 |
| Noninterest income to average assets | 0.7057% | 2,981 |
| Noninterest expense to average assets | 2.0036% | 7,374 |
| Loan and lease loss provision to assets | 0.8821% | 2,182 |
| Net operating income to assets | 1.4705% | 874 |
| Return on assets (ROA) | 1.6255% | 682 |
| Pretax return on assets | 1.6255% | 1,125 |
| Return on Equity (ROE) | 15.2729% | 738 |
| Retained earnings to average equity (ytd only) | 3.4926% | 3,336 |
| Net charge-offs to loans | 1.1167% | 1,795 |
| Credit loss provision to net charge-offs | 132.5758% | 3,773 |
| Earnings coverage of net charge-offs (x) | 3.5360% | 3,490 |
| Efficiency ratio | 45.9936% | 7,770 |
| Assets per employee ($millions) | 5.6213% | 1,499 |
| Cash dividends to net income (ytd only)* | 77.1314% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,369 |
| Loan loss allowance to noncurrent loans | 42.0189% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 1.4472% | 4,215 |
| Noncurrent loans to loans | 2.3509% | 3,203 |
| Net loans and leases to total assets | 59.3774% | 5,682 |
| Net loans and leases to deposits | 66.5839% | 6,250 |
| Net loans and leases to core deposits | 120.7318% | 2,182 |
| Total domestic deposits to total assets | 89.1768% | 1,115 |
| Equity capital to assets | 10.3055% | 3,727 |
| Core capital (leverage) ratio | 9.6450% | 3,722 |
| Tier 1 risk-based capital ratio | 9.3962% | 7,438 |
| Total risk-based capital ratio | 9.9905% | 7,737 |
| Memoranda: | ||
| Average total assets | $105,809,000 | 4,959 |
| Average earning assets | $98,841,750 | 4,894 |
| Average equity | $11,261,500 | 4,998 |
| Average total loans | $63,040,500 | 5,167 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6645% | 579 |
| Cost of funding earning assets | 2.6031% | 1,274 |
| Net interest margin | 4.0614% | 2,465 |
| Noninterest income to average assets | 0.6950% | 3,019 |
| Noninterest expense to average assets | 2.0154% | 7,437 |
| Loan and lease loss provision to assets | 0.6757% | 2,405 |
| Net operating income to assets | 1.8050% | 458 |
| Return on assets (ROA) | 2.0424% | 291 |
| Pretax return on assets | 2.0424% | 507 |
| Return on Equity (ROE) | 18.9719% | 403 |
| Retained earnings to average equity (ytd only) | 3.1919% | 3,537 |
| Net charge-offs to loans | 0.5943% | 2,559 |
| Credit loss provision to net charge-offs | 191.2568% | 2,392 |
| Earnings coverage of net charge-offs (x) | 7.0219% | 2,506 |
| Efficiency ratio | 44.8261% | 7,894 |
| Assets per employee ($millions) | 6.0471% | 1,187 |
| Cash dividends to net income (ytd only)* | 83.1758% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 6,295 |
| Loan loss allowance to noncurrent loans | 48.9978% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.2761% | 4,384 |
| Noncurrent loans to loans | 2.0293% | 3,474 |
| Net loans and leases to total assets | 60.3769% | 5,616 |
| Net loans and leases to deposits | 67.7467% | 6,222 |
| Net loans and leases to core deposits | 120.8270% | 2,290 |
| Total domestic deposits to total assets | 89.1215% | 1,204 |
| Equity capital to assets | 10.3153% | 3,603 |
| Core capital (leverage) ratio | 9.6912% | 3,642 |
| Tier 1 risk-based capital ratio | 14.4327% | 3,287 |
| Total risk-based capital ratio | 15.3465% | 3,401 |
| Memoranda: | ||
| Average total assets | $103,603,670 | 5,057 |
| Average earning assets | $96,961,330 | 4,974 |
| Average equity | $11,153,330 | 5,042 |
| Average total loans | $61,580,330 | 5,265 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6703% | 612 |
| Cost of funding earning assets | 2.5785% | 1,627 |
| Net interest margin | 4.0918% | 2,306 |
| Noninterest income to average assets | 0.6774% | 3,019 |
| Noninterest expense to average assets | 2.2222% | 6,798 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.2895% | 197 |
| Return on assets (ROA) | 2.5708% | 142 |
| Pretax return on assets | 2.5708% | 225 |
| Return on Equity (ROE) | 23.3537% | 243 |
| Retained earnings to average equity (ytd only) | 10.7233% | 1,028 |
| Net charge-offs to loans | 0.0608% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 64.2222% | 617 |
| Efficiency ratio | 49.2537% | 7,649 |
| Assets per employee ($millions) | 7.0141% | 766 |
| Cash dividends to net income (ytd only)* | 54.0832% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7669% | 7,260 |
| Loan loss allowance to noncurrent loans | 71.4919% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 5,449 |
| Noncurrent loans to loans | 1.0727% | 4,837 |
| Net loans and leases to total assets | 59.5246% | 5,731 |
| Net loans and leases to deposits | 67.8788% | 6,198 |
| Net loans and leases to core deposits | 116.1717% | 2,788 |
| Total domestic deposits to total assets | 87.6925% | 1,890 |
| Equity capital to assets | 10.8049% | 3,180 |
| Core capital (leverage) ratio | 10.4954% | 2,935 |
| Tier 1 risk-based capital ratio | 15.3830% | 2,901 |
| Total risk-based capital ratio | 16.0898% | 3,065 |
| Memoranda: | ||
| Average total assets | $100,981,500 | 5,154 |
| Average earning assets | $94,628,000 | 5,070 |
| Average equity | $11,116,000 | 5,072 |
| Average total loans | $59,181,000 | 5,396 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9557% | 1,247 |
| Cost of funding earning assets | 3.1310% | 1,410 |
| Net interest margin | 3.8247% | 3,917 |
| Noninterest income to average assets | 0.8413% | 2,288 |
| Noninterest expense to average assets | 2.2447% | 6,851 |
| Loan and lease loss provision to assets | 0.3491% | 3,606 |
| Net operating income to assets | 1.8665% | 468 |
| Return on assets (ROA) | 1.8607% | 463 |
| Pretax return on assets | 1.8607% | 834 |
| Return on Equity (ROE) | 16.0507% | 767 |
| Retained earnings to average equity (ytd only) | 8.2512% | 764 |
| Net charge-offs to loans | 0.4711% | 2,476 |
| Credit loss provision to net charge-offs | 129.3103% | 4,125 |
| Earnings coverage of net charge-offs (x) | 8.2069% | 2,923 |
| Efficiency ratio | 50.3261% | 7,642 |
| Assets per employee ($millions) | 6.4501% | 907 |
| Cash dividends to net income (ytd only)* | 48.5929% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 6,710 |
| Loan loss allowance to noncurrent loans | 64.3229% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 0.7938% | 4,869 |
| Noncurrent loans to loans | 1.3900% | 3,735 |
| Net loans and leases to total assets | 56.5958% | 6,373 |
| Net loans and leases to deposits | 64.2025% | 6,775 |
| Net loans and leases to core deposits | 106.9118% | 4,088 |
| Total domestic deposits to total assets | 88.1521% | 1,406 |
| Equity capital to assets | 11.2288% | 2,862 |
| Core capital (leverage) ratio | 10.8751% | 2,689 |
| Tier 1 risk-based capital ratio | 16.6518% | 2,434 |
| Total risk-based capital ratio | 17.4555% | 2,521 |
| Memoranda: | ||
| Average total assets | $85,937,600 | 5,483 |
| Average earning assets | $81,314,600 | 5,394 |
| Average equity | $9,962,200 | 5,423 |
| Average total loans | $49,242,600 | 5,735 |