Home > First State Bank Southwest > Performance and Condition Ratios
First State Bank Southwest, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9311% | 4,048 |
| Cost of funding earning assets | 1.5309% | 1,860 |
| Net interest margin | 2.4002% | 4,187 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 2.2106% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6893% | 3,220 |
| Return on assets (ROA) | 0.6893% | 3,196 |
| Pretax return on assets | 0.7496% | 3,339 |
| Return on Equity (ROE) | 20.1800% | 601 |
| Retained earnings to average equity (ytd only) | 8.4707% | 1,403 |
| Net charge-offs to loans | 0.0946% | 940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 16.6348% | 1,999 |
| Efficiency ratio | 74.6772% | 1,384 |
| Assets per employee ($millions) | 8.2190% | 1,325 |
| Cash dividends to net income (ytd only)* | 58.0242% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 2,481 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 47.6700% | 3,742 |
| Net loans and leases to deposits | 55.7127% | 3,725 |
| Net loans and leases to core deposits | 58.5531% | 3,816 |
| Total domestic deposits to total assets | 85.5600% | 2,145 |
| Equity capital to assets | 4.3898% | 4,478 |
| Core capital (leverage) ratio | 9.1028% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5948% | 979 |
| Memoranda: | ||
| Average total assets | $395,014,400 | 2,030 |
| Average earning assets | $367,225,600 | 2,021 |
| Average equity | $13,493,600 | 3,380 |
| Average total loans | $188,147,400 | 2,372 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 4,050 |
| Cost of funding earning assets | 1.4787% | 1,668 |
| Net interest margin | 2.3839% | 4,248 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.2548% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6322% | 3,470 |
| Return on assets (ROA) | 0.6322% | 3,457 |
| Pretax return on assets | 0.6983% | 3,559 |
| Return on Equity (ROE) | 20.0000% | 725 |
| Retained earnings to average equity (ytd only) | 4.3591% | 3,164 |
| Net charge-offs to loans | 0.0014% | 2,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,024.0000% | 153 |
| Efficiency ratio | 76.3538% | 1,146 |
| Assets per employee ($millions) | 7.7269% | 1,496 |
| Cash dividends to net income (ytd only)* | 78.2093% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 1,764 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 48.9300% | 3,688 |
| Net loans and leases to deposits | 56.1825% | 3,703 |
| Net loans and leases to core deposits | 59.7273% | 3,717 |
| Total domestic deposits to total assets | 87.0900% | 1,862 |
| Equity capital to assets | 2.0834% | 4,542 |
| Core capital (leverage) ratio | 9.0619% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2531% | 912 |
| Memoranda: | ||
| Average total assets | $391,030,500 | 2,038 |
| Average earning assets | $363,380,500 | 2,032 |
| Average equity | $12,357,000 | 3,493 |
| Average total loans | $185,636,750 | 2,393 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 4,082 |
| Cost of funding earning assets | 1.3704% | 1,530 |
| Net interest margin | 2.3785% | 4,317 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.2375% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5952% | 3,578 |
| Return on assets (ROA) | 0.5952% | 3,587 |
| Pretax return on assets | 0.6711% | 3,660 |
| Return on Equity (ROE) | 16.9900% | 1,101 |
| Retained earnings to average equity (ytd only) | -2.0655% | 4,292 |
| Net charge-offs to loans | 0.0022% | 2,286 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 663.0000% | 219 |
| Efficiency ratio | 76.9271% | 1,098 |
| Assets per employee ($millions) | 7.6895% | 1,476 |
| Cash dividends to net income (ytd only)* | 112.1599% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 1,707 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 46.2300% | 3,786 |
| Net loans and leases to deposits | 54.4691% | 3,724 |
| Net loans and leases to core deposits | 58.5065% | 3,693 |
| Total domestic deposits to total assets | 84.8800% | 2,577 |
| Equity capital to assets | 3.5635% | 4,539 |
| Core capital (leverage) ratio | 8.8746% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9479% | 969 |
| Memoranda: | ||
| Average total assets | $395,168,667 | 2,024 |
| Average earning assets | $367,041,333 | 2,025 |
| Average equity | $13,846,667 | 3,369 |
| Average total loans | $184,939,333 | 2,395 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6702% | 4,076 |
| Cost of funding earning assets | 1.2046% | 1,436 |
| Net interest margin | 2.4657% | 4,336 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.3032% | 2,806 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5203% | 3,845 |
| Return on assets (ROA) | 0.5203% | 3,805 |
| Pretax return on assets | 0.6050% | 3,828 |
| Return on Equity (ROE) | 14.9800% | 1,553 |
| Retained earnings to average equity (ytd only) | -15.7301% | 4,558 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.1956% | 883 |
| Assets per employee ($millions) | 7.3264% | 1,732 |
| Cash dividends to net income (ytd only)* | 205.0388% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 1,725 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 45.9900% | 3,777 |
| Net loans and leases to deposits | 52.4531% | 3,769 |
| Net loans and leases to core deposits | 56.4154% | 3,718 |
| Total domestic deposits to total assets | 87.6700% | 2,035 |
| Equity capital to assets | 3.8146% | 4,553 |
| Core capital (leverage) ratio | 8.7368% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6133% | 1,053 |
| Memoranda: | ||
| Average total assets | $396,670,000 | 2,053 |
| Average earning assets | $367,934,000 | 2,046 |
| Average equity | $13,782,500 | 3,411 |
| Average total loans | $185,513,500 | 2,404 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0484% | 4,076 |
| Cost of funding earning assets | 0.3645% | 2,370 |
| Net interest margin | 2.6840% | 4,078 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.1192% | 3,238 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1720% | 1,886 |
| Return on assets (ROA) | 1.1720% | 1,823 |
| Pretax return on assets | 1.2123% | 2,396 |
| Return on Equity (ROE) | 25.2400% | 202 |
| Retained earnings to average equity (ytd only) | 12.7319% | 547 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.6099% | 2,554 |
| Assets per employee ($millions) | 7.9420% | 1,349 |
| Cash dividends to net income (ytd only)* | 49.5648% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 1,856 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 46.2900% | 3,782 |
| Net loans and leases to deposits | 56.7802% | 3,528 |
| Net loans and leases to core deposits | 58.1602% | 3,604 |
| Total domestic deposits to total assets | 81.5300% | 3,688 |
| Equity capital to assets | 3.1486% | 4,599 |
| Core capital (leverage) ratio | 8.8180% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5015% | 1,050 |
| Memoranda: | ||
| Average total assets | $392,138,000 | 2,052 |
| Average earning assets | $365,727,800 | 2,048 |
| Average equity | $18,206,200 | 3,106 |
| Average total loans | $166,961,800 | 2,487 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8919% | 4,070 |
| Cost of funding earning assets | 0.2305% | 2,922 |
| Net interest margin | 2.6614% | 4,002 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 2.1591% | 3,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1786% | 1,778 |
| Return on assets (ROA) | 1.1786% | 1,750 |
| Pretax return on assets | 1.2835% | 2,097 |
| Return on Equity (ROE) | 23.4200% | 236 |
| Retained earnings to average equity (ytd only) | 9.9540% | 1,348 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7166% | 2,734 |
| Assets per employee ($millions) | 7.8681% | 1,390 |
| Cash dividends to net income (ytd only)* | 57.5044% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 1,514 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 44.4900% | 3,849 |
| Net loans and leases to deposits | 52.7389% | 3,684 |
| Net loans and leases to core deposits | 53.7505% | 3,764 |
| Total domestic deposits to total assets | 84.3600% | 3,412 |
| Equity capital to assets | 1.6969% | 4,669 |
| Core capital (leverage) ratio | 8.7946% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4313% | 927 |
| Memoranda: | ||
| Average total assets | $388,912,250 | 2,082 |
| Average earning assets | $363,808,000 | 2,072 |
| Average equity | $19,569,500 | 3,030 |
| Average total loans | $161,207,250 | 2,538 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6719% | 4,182 |
| Cost of funding earning assets | 0.1613% | 3,428 |
| Net interest margin | 2.5106% | 4,074 |
| Noninterest income to average assets | 0.7394% | 1,203 |
| Noninterest expense to average assets | 2.0577% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9297% | 2,447 |
| Return on assets (ROA) | 0.9297% | 2,426 |
| Pretax return on assets | 1.0358% | 2,620 |
| Return on Equity (ROE) | 15.1639% | 859 |
| Retained earnings to average equity (ytd only) | 1.1459% | 3,960 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5175% | 2,440 |
| Assets per employee ($millions) | 8.0329% | 1,290 |
| Cash dividends to net income (ytd only)* | 92.4435% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 1,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 41.6696% | 3,993 |
| Net loans and leases to deposits | 48.0207% | 3,920 |
| Net loans and leases to core deposits | 49.1096% | 3,971 |
| Total domestic deposits to total assets | 86.7742% | 3,018 |
| Equity capital to assets | 3.8044% | 4,642 |
| Core capital (leverage) ratio | 8.5285% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8518% | 877 |
| Memoranda: | ||
| Average total assets | $390,037,667 | 2,092 |
| Average earning assets | $365,728,333 | 2,078 |
| Average equity | $23,912,000 | 2,752 |
| Average total loans | $156,938,667 | 2,579 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4898% | 4,275 |
| Cost of funding earning assets | 0.1465% | 3,544 |
| Net interest margin | 2.3433% | 4,162 |
| Noninterest income to average assets | 0.7485% | 1,174 |
| Noninterest expense to average assets | 2.0853% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7546% | 2,831 |
| Return on assets (ROA) | 0.7546% | 2,825 |
| Pretax return on assets | 0.8647% | 2,898 |
| Return on Equity (ROE) | 10.3738% | 1,833 |
| Retained earnings to average equity (ytd only) | -4.6682% | 4,410 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6879% | 2,134 |
| Assets per employee ($millions) | 7.7438% | 1,528 |
| Cash dividends to net income (ytd only)* | 145.0000% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 1,212 |
| Loan loss allowance to noncurrent loans | 17,750.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,063 |
| Noncurrent loans to loans | 0.0091% | 3,957 |
| Net loans and leases to total assets | 38.1593% | 4,111 |
| Net loans and leases to deposits | 43.8460% | 4,070 |
| Net loans and leases to core deposits | 44.7426% | 4,130 |
| Total domestic deposits to total assets | 87.0303% | 2,916 |
| Equity capital to assets | 5.6847% | 4,641 |
| Core capital (leverage) ratio | 8.5677% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3005% | 857 |
| Memoranda: | ||
| Average total assets | $392,266,000 | 2,083 |
| Average earning assets | $368,541,500 | 2,082 |
| Average equity | $28,533,500 | 2,566 |
| Average total loans | $153,830,500 | 2,599 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6235% | 4,387 |
| Cost of funding earning assets | 0.1860% | 3,587 |
| Net interest margin | 2.4375% | 4,269 |
| Noninterest income to average assets | 1.4930% | 503 |
| Noninterest expense to average assets | 2.1079% | 3,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5308% | 954 |
| Return on assets (ROA) | 1.5423% | 970 |
| Pretax return on assets | 1.6811% | 1,197 |
| Return on Equity (ROE) | 15.2880% | 886 |
| Retained earnings to average equity (ytd only) | 4.2328% | 3,116 |
| Net charge-offs to loans | -0.0007% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8148% | 3,723 |
| Assets per employee ($millions) | 7.9509% | 1,356 |
| Cash dividends to net income (ytd only)* | 72.3131% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 1,238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 39.0112% | 4,146 |
| Net loans and leases to deposits | 46.6271% | 4,068 |
| Net loans and leases to core deposits | 47.6327% | 4,108 |
| Total domestic deposits to total assets | 83.6664% | 3,645 |
| Equity capital to assets | 8.8851% | 3,732 |
| Core capital (leverage) ratio | 9.2034% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5187% | 819 |
| Memoranda: | ||
| Average total assets | $352,917,000 | 2,183 |
| Average earning assets | $330,622,800 | 2,184 |
| Average equity | $35,603,000 | 2,259 |
| Average total loans | $150,675,400 | 2,623 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7041% | 4,402 |
| Cost of funding earning assets | 0.1971% | 3,629 |
| Net interest margin | 2.5070% | 4,260 |
| Noninterest income to average assets | 1.6923% | 444 |
| Noninterest expense to average assets | 2.2004% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8323% | 622 |
| Return on assets (ROA) | 1.8494% | 638 |
| Pretax return on assets | 1.8525% | 1,042 |
| Return on Equity (ROE) | 17.7328% | 659 |
| Retained earnings to average equity (ytd only) | 5.3072% | 3,099 |
| Net charge-offs to loans | -0.0009% | 3,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5219% | 3,725 |
| Assets per employee ($millions) | 7.4990% | 1,572 |
| Cash dividends to net income (ytd only)* | 70.0713% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 1,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 40.0409% | 4,206 |
| Net loans and leases to deposits | 48.3732% | 4,095 |
| Net loans and leases to core deposits | 49.5611% | 4,166 |
| Total domestic deposits to total assets | 82.7750% | 3,763 |
| Equity capital to assets | 10.0630% | 2,837 |
| Core capital (leverage) ratio | 9.6787% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8312% | 709 |
| Memoranda: | ||
| Average total assets | $343,747,250 | 2,251 |
| Average earning assets | $321,332,000 | 2,247 |
| Average equity | $35,849,750 | 2,282 |
| Average total loans | $149,726,500 | 2,673 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7707% | 4,386 |
| Cost of funding earning assets | 0.2079% | 3,672 |
| Net interest margin | 2.5628% | 4,227 |
| Noninterest income to average assets | 2.0204% | 323 |
| Noninterest expense to average assets | 2.2415% | 2,951 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1652% | 366 |
| Return on assets (ROA) | 2.1913% | 364 |
| Pretax return on assets | 2.1954% | 578 |
| Return on Equity (ROE) | 20.7526% | 404 |
| Retained earnings to average equity (ytd only) | 5.3855% | 3,040 |
| Net charge-offs to loans | -0.0013% | 3,120 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8175% | 4,163 |
| Assets per employee ($millions) | 7.4557% | 1,503 |
| Cash dividends to net income (ytd only)* | 74.0491% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6083% | 1,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 42.4799% | 4,149 |
| Net loans and leases to deposits | 50.7075% | 4,065 |
| Net loans and leases to core deposits | 51.9447% | 4,136 |
| Total domestic deposits to total assets | 83.7745% | 3,502 |
| Equity capital to assets | 9.8990% | 2,944 |
| Core capital (leverage) ratio | 9.7549% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9029% | 713 |
| Memoranda: | ||
| Average total assets | $338,345,000 | 2,267 |
| Average earning assets | $315,586,333 | 2,262 |
| Average equity | $35,725,667 | 2,280 |
| Average total loans | $150,764,000 | 2,678 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8868% | 4,278 |
| Cost of funding earning assets | 0.2264% | 3,669 |
| Net interest margin | 2.6604% | 4,038 |
| Noninterest income to average assets | 2.3361% | 292 |
| Noninterest expense to average assets | 2.3434% | 2,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4615% | 280 |
| Return on assets (ROA) | 2.5151% | 285 |
| Pretax return on assets | 2.5212% | 423 |
| Return on Equity (ROE) | 23.0352% | 334 |
| Retained earnings to average equity (ytd only) | 5.7086% | 2,999 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7095% | 4,285 |
| Assets per employee ($millions) | 6.7914% | 1,945 |
| Cash dividends to net income (ytd only)* | 75.2178% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 1,182 |
| Loan loss allowance to noncurrent loans | 82,800.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,415 |
| Noncurrent loans to loans | 0.0020% | 4,326 |
| Net loans and leases to total assets | 43.7244% | 4,131 |
| Net loans and leases to deposits | 53.1953% | 3,989 |
| Net loans and leases to core deposits | 54.6409% | 4,068 |
| Total domestic deposits to total assets | 82.1959% | 3,852 |
| Equity capital to assets | 10.3720% | 2,376 |
| Core capital (leverage) ratio | 10.3397% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2560% | 652 |
| Memoranda: | ||
| Average total assets | $328,580,000 | 2,297 |
| Average earning assets | $305,667,500 | 2,298 |
| Average equity | $35,875,500 | 2,270 |
| Average total loans | $148,891,000 | 2,701 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6651% | 3,662 |
| Cost of funding earning assets | 0.4296% | 3,410 |
| Net interest margin | 3.2354% | 3,260 |
| Noninterest income to average assets | 1.5594% | 502 |
| Noninterest expense to average assets | 2.5895% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.8930% | 324 |
| Return on assets (ROA) | 1.8930% | 347 |
| Pretax return on assets | 1.8961% | 556 |
| Return on Equity (ROE) | 16.2150% | 479 |
| Retained earnings to average equity (ytd only) | 5.6751% | 1,957 |
| Net charge-offs to loans | 0.0059% | 3,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 621.3333% | 188 |
| Efficiency ratio | 57.7292% | 3,764 |
| Assets per employee ($millions) | 6.4815% | 1,936 |
| Cash dividends to net income (ytd only)* | 65.0009% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 1,059 |
| Loan loss allowance to noncurrent loans | 35,485.7143% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,467 |
| Noncurrent loans to loans | 0.0048% | 4,380 |
| Net loans and leases to total assets | 45.4482% | 4,167 |
| Net loans and leases to deposits | 56.9645% | 3,946 |
| Net loans and leases to core deposits | 58.6939% | 4,014 |
| Total domestic deposits to total assets | 79.7835% | 4,080 |
| Equity capital to assets | 11.5025% | 1,881 |
| Core capital (leverage) ratio | 10.5738% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9498% | 664 |
| Memoranda: | ||
| Average total assets | $294,922,800 | 2,317 |
| Average earning assets | $266,735,400 | 2,358 |
| Average equity | $34,431,000 | 2,257 |
| Average total loans | $152,373,800 | 2,644 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8574% | 3,389 |
| Cost of funding earning assets | 0.4737% | 3,405 |
| Net interest margin | 3.3837% | 2,969 |
| Noninterest income to average assets | 1.5953% | 465 |
| Noninterest expense to average assets | 2.6352% | 2,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.9991% | 297 |
| Return on assets (ROA) | 1.9991% | 325 |
| Pretax return on assets | 2.0028% | 515 |
| Return on Equity (ROE) | 17.0546% | 445 |
| Retained earnings to average equity (ytd only) | 5.4424% | 2,354 |
| Net charge-offs to loans | 0.0078% | 2,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 482.7778% | 238 |
| Efficiency ratio | 56.8177% | 3,817 |
| Assets per employee ($millions) | 6.0202% | 2,245 |
| Cash dividends to net income (ytd only)* | 68.0885% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 1,034 |
| Loan loss allowance to noncurrent loans | 1,971.4286% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 4,242 |
| Noncurrent loans to loans | 0.0824% | 4,039 |
| Net loans and leases to total assets | 49.9978% | 4,099 |
| Net loans and leases to deposits | 62.3415% | 3,911 |
| Net loans and leases to core deposits | 64.3311% | 3,997 |
| Total domestic deposits to total assets | 80.1999% | 3,821 |
| Equity capital to assets | 11.9252% | 1,725 |
| Core capital (leverage) ratio | 11.0588% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6381% | 612 |
| Memoranda: | ||
| Average total assets | $289,255,500 | 2,331 |
| Average earning assets | $260,100,000 | 2,374 |
| Average equity | $33,906,000 | 2,282 |
| Average total loans | $153,761,250 | 2,633 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 3,128 |
| Cost of funding earning assets | 0.5279% | 3,365 |
| Net interest margin | 3.5420% | 2,667 |
| Noninterest income to average assets | 1.6934% | 369 |
| Noninterest expense to average assets | 2.7070% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.1280% | 249 |
| Return on assets (ROA) | 2.1280% | 277 |
| Pretax return on assets | 2.1329% | 411 |
| Return on Equity (ROE) | 18.2657% | 347 |
| Retained earnings to average equity (ytd only) | 3.3030% | 3,269 |
| Net charge-offs to loans | 0.0117% | 2,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 338.1111% | 301 |
| Efficiency ratio | 55.9305% | 3,954 |
| Assets per employee ($millions) | 5.6775% | 2,465 |
| Cash dividends to net income (ytd only)* | 81.9170% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 1,069 |
| Loan loss allowance to noncurrent loans | 1,971.4286% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 4,314 |
| Noncurrent loans to loans | 0.0798% | 4,137 |
| Net loans and leases to total assets | 53.6593% | 3,905 |
| Net loans and leases to deposits | 65.7765% | 3,747 |
| Net loans and leases to core deposits | 68.0790% | 3,861 |
| Total domestic deposits to total assets | 81.5782% | 3,479 |
| Equity capital to assets | 12.0886% | 1,612 |
| Core capital (leverage) ratio | 11.1721% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7997% | 693 |
| Memoranda: | ||
| Average total assets | $285,337,667 | 2,333 |
| Average earning assets | $253,472,667 | 2,398 |
| Average equity | $33,242,667 | 2,308 |
| Average total loans | $154,021,000 | 2,621 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 2,753 |
| Cost of funding earning assets | 0.5719% | 3,584 |
| Net interest margin | 3.7867% | 2,030 |
| Noninterest income to average assets | 0.9632% | 927 |
| Noninterest expense to average assets | 2.6339% | 2,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6043% | 620 |
| Return on assets (ROA) | 1.6043% | 685 |
| Pretax return on assets | 1.6114% | 1,025 |
| Return on Equity (ROE) | 14.0409% | 692 |
| Retained earnings to average equity (ytd only) | -5.1665% | 4,534 |
| Net charge-offs to loans | 0.0237% | 1,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 126.7778% | 488 |
| Efficiency ratio | 62.0426% | 3,494 |
| Assets per employee ($millions) | 5.4432% | 2,181 |
| Cash dividends to net income (ytd only)* | 136.7958% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 939 |
| Loan loss allowance to noncurrent loans | 3,942.8571% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 4,511 |
| Noncurrent loans to loans | 0.0420% | 4,385 |
| Net loans and leases to total assets | 55.2664% | 3,890 |
| Net loans and leases to deposits | 67.8635% | 3,735 |
| Net loans and leases to core deposits | 70.6264% | 3,842 |
| Total domestic deposits to total assets | 81.4376% | 3,562 |
| Equity capital to assets | 12.1867% | 1,930 |
| Core capital (leverage) ratio | 11.5358% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8675% | 882 |
| Memoranda: | ||
| Average total assets | $283,230,000 | 2,303 |
| Average earning assets | $245,493,500 | 2,401 |
| Average equity | $32,362,500 | 2,338 |
| Average total loans | $152,103,500 | 2,618 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5006% | 2,939 |
| Cost of funding earning assets | 0.5976% | 3,647 |
| Net interest margin | 3.9030% | 2,167 |
| Noninterest income to average assets | 1.0079% | 955 |
| Noninterest expense to average assets | 2.6612% | 2,992 |
| Loan and lease loss provision to assets | 0.0277% | 3,460 |
| Net operating income to assets | 1.7894% | 535 |
| Return on assets (ROA) | 1.7901% | 564 |
| Pretax return on assets | 1.7935% | 957 |
| Return on Equity (ROE) | 16.1617% | 520 |
| Retained earnings to average equity (ytd only) | 5.0422% | 2,390 |
| Net charge-offs to loans | -0.0007% | 4,156 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3794% | 3,780 |
| Assets per employee ($millions) | 5.6555% | 1,921 |
| Cash dividends to net income (ytd only)* | 68.8017% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6155% | 949 |
| Loan loss allowance to noncurrent loans | 906.5455% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 4,171 |
| Noncurrent loans to loans | 0.1782% | 3,820 |
| Net loans and leases to total assets | 50.6517% | 4,299 |
| Net loans and leases to deposits | 60.6732% | 4,258 |
| Net loans and leases to core deposits | 62.7233% | 4,335 |
| Total domestic deposits to total assets | 83.4829% | 3,027 |
| Equity capital to assets | 10.7495% | 3,219 |
| Core capital (leverage) ratio | 11.8068% | 1,892 |
| Tier 1 risk-based capital ratio | 17.4706% | 1,904 |
| Total risk-based capital ratio | 18.7224% | 1,855 |
| Memoranda: | ||
| Average total assets | $270,370,400 | 2,330 |
| Average earning assets | $240,635,600 | 2,407 |
| Average equity | $29,947,400 | 2,396 |
| Average total loans | $150,368,800 | 2,617 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5220% | 2,986 |
| Cost of funding earning assets | 0.5994% | 3,705 |
| Net interest margin | 3.9226% | 2,184 |
| Noninterest income to average assets | 1.0488% | 840 |
| Noninterest expense to average assets | 2.7910% | 2,585 |
| Loan and lease loss provision to assets | 0.0228% | 3,448 |
| Net operating income to assets | 1.8071% | 607 |
| Return on assets (ROA) | 1.8081% | 639 |
| Pretax return on assets | 1.8122% | 1,062 |
| Return on Equity (ROE) | 16.1880% | 581 |
| Retained earnings to average equity (ytd only) | 3.0906% | 3,854 |
| Net charge-offs to loans | -0.0018% | 4,047 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3463% | 3,573 |
| Assets per employee ($millions) | 4.9462% | 2,620 |
| Cash dividends to net income (ytd only)* | 80.9083% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 924 |
| Loan loss allowance to noncurrent loans | 765.2174% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 4,115 |
| Noncurrent loans to loans | 0.2143% | 3,769 |
| Net loans and leases to total assets | 56.3755% | 4,024 |
| Net loans and leases to deposits | 69.4608% | 3,803 |
| Net loans and leases to core deposits | 72.0577% | 3,945 |
| Total domestic deposits to total assets | 81.1616% | 3,704 |
| Equity capital to assets | 11.9340% | 2,308 |
| Core capital (leverage) ratio | 11.6316% | 2,120 |
| Tier 1 risk-based capital ratio | 18.1154% | 1,781 |
| Total risk-based capital ratio | 19.3681% | 1,743 |
| Memoranda: | ||
| Average total assets | $263,027,250 | 2,393 |
| Average earning assets | $239,800,250 | 2,429 |
| Average equity | $29,379,000 | 2,441 |
| Average total loans | $149,381,500 | 2,652 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 3,083 |
| Cost of funding earning assets | 0.5747% | 3,773 |
| Net interest margin | 3.9022% | 2,239 |
| Noninterest income to average assets | 0.9327% | 998 |
| Noninterest expense to average assets | 2.8095% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6816% | 752 |
| Return on assets (ROA) | 1.6831% | 776 |
| Pretax return on assets | 1.6884% | 1,294 |
| Return on Equity (ROE) | 15.4190% | 684 |
| Retained earnings to average equity (ytd only) | -1.5656% | 4,883 |
| Net charge-offs to loans | -0.0027% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4831% | 3,355 |
| Assets per employee ($millions) | 4.7560% | 2,797 |
| Cash dividends to net income (ytd only)* | 110.1534% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 1,041 |
| Loan loss allowance to noncurrent loans | 707.3099% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 3,836 |
| Noncurrent loans to loans | 0.2254% | 3,733 |
| Net loans and leases to total assets | 57.0688% | 4,003 |
| Net loans and leases to deposits | 69.9069% | 3,851 |
| Net loans and leases to core deposits | 72.5816% | 3,971 |
| Total domestic deposits to total assets | 81.6354% | 3,624 |
| Equity capital to assets | 11.4432% | 2,649 |
| Core capital (leverage) ratio | 11.2636% | 2,366 |
| Tier 1 risk-based capital ratio | 17.2337% | 2,016 |
| Total risk-based capital ratio | 18.4857% | 1,969 |
| Memoranda: | ||
| Average total assets | $263,319,330 | 2,397 |
| Average earning assets | $240,481,000 | 2,427 |
| Average equity | $28,743,670 | 2,467 |
| Average total loans | $149,091,000 | 2,666 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4070% | 3,198 |
| Cost of funding earning assets | 0.5463% | 3,840 |
| Net interest margin | 3.8607% | 2,311 |
| Noninterest income to average assets | 0.8237% | 1,227 |
| Noninterest expense to average assets | 2.8192% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5247% | 1,064 |
| Return on assets (ROA) | 1.5277% | 1,082 |
| Pretax return on assets | 1.5277% | 1,686 |
| Return on Equity (ROE) | 14.3380% | 891 |
| Retained earnings to average equity (ytd only) | -7.7445% | 5,024 |
| Net charge-offs to loans | -0.0054% | 4,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9007% | 3,098 |
| Assets per employee ($millions) | 4.9023% | 2,643 |
| Cash dividends to net income (ytd only)* | 154.0139% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 992 |
| Loan loss allowance to noncurrent loans | 428.1416% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 3,521 |
| Noncurrent loans to loans | 0.3830% | 3,216 |
| Net loans and leases to total assets | 55.8480% | 4,075 |
| Net loans and leases to deposits | 68.4966% | 3,882 |
| Net loans and leases to core deposits | 70.6810% | 4,041 |
| Total domestic deposits to total assets | 81.5340% | 3,845 |
| Equity capital to assets | 10.9929% | 2,856 |
| Core capital (leverage) ratio | 11.2430% | 2,347 |
| Tier 1 risk-based capital ratio | 17.4505% | 1,954 |
| Total risk-based capital ratio | 18.7027% | 1,898 |
| Memoranda: | ||
| Average total assets | $264,189,500 | 2,409 |
| Average earning assets | $240,889,500 | 2,444 |
| Average equity | $28,149,000 | 2,512 |
| Average total loans | $147,787,000 | 2,716 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 3,080 |
| Cost of funding earning assets | 0.4310% | 3,796 |
| Net interest margin | 3.8767% | 2,406 |
| Noninterest income to average assets | 1.0075% | 931 |
| Noninterest expense to average assets | 2.6426% | 3,202 |
| Loan and lease loss provision to assets | 0.0057% | 4,000 |
| Net operating income to assets | 1.8237% | 524 |
| Return on assets (ROA) | 1.8237% | 521 |
| Pretax return on assets | 1.8252% | 861 |
| Return on Equity (ROE) | 17.8110% | 412 |
| Retained earnings to average equity (ytd only) | 4.5544% | 3,019 |
| Net charge-offs to loans | 0.0145% | 3,197 |
| Credit loss provision to net charge-offs | 71.4286% | 2,971 |
| Earnings coverage of net charge-offs (x) | 228.2857% | 411 |
| Efficiency ratio | 58.8577% | 4,028 |
| Assets per employee ($millions) | 5.0671% | 2,411 |
| Cash dividends to net income (ytd only)* | 74.4293% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6326% | 957 |
| Loan loss allowance to noncurrent loans | 430.8378% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 3,535 |
| Noncurrent loans to loans | 0.3789% | 3,175 |
| Net loans and leases to total assets | 54.2278% | 4,265 |
| Net loans and leases to deposits | 65.7157% | 4,138 |
| Net loans and leases to core deposits | 67.7141% | 4,248 |
| Total domestic deposits to total assets | 82.5187% | 3,477 |
| Equity capital to assets | 10.3278% | 3,350 |
| Core capital (leverage) ratio | 11.6146% | 2,013 |
| Tier 1 risk-based capital ratio | 17.5213% | 1,898 |
| Total risk-based capital ratio | 18.7733% | 1,852 |
| Memoranda: | ||
| Average total assets | $261,827,800 | 2,389 |
| Average earning assets | $234,088,000 | 2,457 |
| Average equity | $26,809,200 | 2,521 |
| Average total loans | $145,321,200 | 2,703 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2917% | 2,996 |
| Cost of funding earning assets | 0.3980% | 3,871 |
| Net interest margin | 3.8937% | 2,329 |
| Noninterest income to average assets | 1.0209% | 921 |
| Noninterest expense to average assets | 2.7107% | 2,943 |
| Loan and lease loss provision to assets | 0.0077% | 3,822 |
| Net operating income to assets | 1.7708% | 636 |
| Return on assets (ROA) | 1.7708% | 640 |
| Pretax return on assets | 1.7723% | 1,082 |
| Return on Equity (ROE) | 17.3325% | 506 |
| Retained earnings to average equity (ytd only) | 2.4130% | 4,432 |
| Net charge-offs to loans | 0.0009% | 3,467 |
| Credit loss provision to net charge-offs | 1,500.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 3,481.6165% | 16 |
| Efficiency ratio | 60.0776% | 3,807 |
| Assets per employee ($millions) | 4.8252% | 2,688 |
| Cash dividends to net income (ytd only)* | 86.0781% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 878 |
| Loan loss allowance to noncurrent loans | 381.3772% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 3,680 |
| Noncurrent loans to loans | 0.4448% | 3,063 |
| Net loans and leases to total assets | 56.2855% | 4,193 |
| Net loans and leases to deposits | 70.7575% | 3,859 |
| Net loans and leases to core deposits | 73.1856% | 4,000 |
| Total domestic deposits to total assets | 79.5470% | 4,208 |
| Equity capital to assets | 10.4475% | 3,193 |
| Core capital (leverage) ratio | 11.4873% | 2,175 |
| Tier 1 risk-based capital ratio | 17.8686% | 1,824 |
| Total risk-based capital ratio | 19.1217% | 1,788 |
| Memoranda: | ||
| Average total assets | $260,145,750 | 2,409 |
| Average earning assets | $231,823,750 | 2,488 |
| Average equity | $26,577,500 | 2,550 |
| Average total loans | $144,639,250 | 2,731 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 3,028 |
| Cost of funding earning assets | 0.3692% | 3,943 |
| Net interest margin | 3.8580% | 2,351 |
| Noninterest income to average assets | 0.9680% | 1,016 |
| Noninterest expense to average assets | 2.7277% | 2,917 |
| Loan and lease loss provision to assets | 0.0114% | 3,626 |
| Net operating income to assets | 1.6495% | 804 |
| Return on assets (ROA) | 1.6495% | 811 |
| Pretax return on assets | 1.6511% | 1,336 |
| Return on Equity (ROE) | 16.2630% | 619 |
| Retained earnings to average equity (ytd only) | -1.6780% | 5,126 |
| Net charge-offs to loans | 0.0014% | 3,162 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 2,188.0000% | 30 |
| Efficiency ratio | 61.6996% | 3,666 |
| Assets per employee ($millions) | 4.5312% | 3,086 |
| Cash dividends to net income (ytd only)* | 110.3178% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 900 |
| Loan loss allowance to noncurrent loans | 396.9055% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 3,777 |
| Noncurrent loans to loans | 0.4295% | 3,162 |
| Net loans and leases to total assets | 56.3893% | 4,127 |
| Net loans and leases to deposits | 68.7467% | 3,965 |
| Net loans and leases to core deposits | 71.3198% | 4,061 |
| Total domestic deposits to total assets | 82.0247% | 3,718 |
| Equity capital to assets | 10.4585% | 3,165 |
| Core capital (leverage) ratio | 11.0999% | 2,440 |
| Tier 1 risk-based capital ratio | 17.6687% | 1,898 |
| Total risk-based capital ratio | 18.9219% | 1,854 |
| Memoranda: | ||
| Average total assets | $263,223,670 | 2,395 |
| Average earning assets | $233,491,000 | 2,486 |
| Average equity | $26,698,670 | 2,549 |
| Average total loans | $144,964,330 | 2,729 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 3,087 |
| Cost of funding earning assets | 0.3407% | 4,057 |
| Net interest margin | 3.8002% | 2,425 |
| Noninterest income to average assets | 0.9296% | 1,072 |
| Noninterest expense to average assets | 2.6985% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5483% | 957 |
| Return on assets (ROA) | 1.5483% | 965 |
| Pretax return on assets | 1.5498% | 1,526 |
| Return on Equity (ROE) | 15.4871% | 708 |
| Retained earnings to average equity (ytd only) | -1.3029% | 4,941 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1010% | 3,617 |
| Assets per employee ($millions) | 4.7137% | 2,842 |
| Cash dividends to net income (ytd only)* | 108.4130% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 981 |
| Loan loss allowance to noncurrent loans | 394.6254% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 3,904 |
| Noncurrent loans to loans | 0.4271% | 3,258 |
| Net loans and leases to total assets | 55.5286% | 4,156 |
| Net loans and leases to deposits | 67.6363% | 3,973 |
| Net loans and leases to core deposits | 69.7126% | 4,096 |
| Total domestic deposits to total assets | 82.0988% | 3,929 |
| Equity capital to assets | 10.3964% | 3,172 |
| Core capital (leverage) ratio | 10.9079% | 2,534 |
| Tier 1 risk-based capital ratio | 17.7690% | 1,900 |
| Total risk-based capital ratio | 19.0219% | 1,850 |
| Memoranda: | ||
| Average total assets | $270,228,500 | 2,367 |
| Average earning assets | $235,988,000 | 2,482 |
| Average equity | $27,016,000 | 2,551 |
| Average total loans | $145,963,000 | 2,736 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9776% | 3,483 |
| Cost of funding earning assets | 0.3087% | 4,051 |
| Net interest margin | 3.6689% | 2,920 |
| Noninterest income to average assets | 0.9624% | 1,110 |
| Noninterest expense to average assets | 2.4316% | 3,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7705% | 456 |
| Return on assets (ROA) | 1.7881% | 439 |
| Pretax return on assets | 1.7897% | 813 |
| Return on Equity (ROE) | 17.3408% | 365 |
| Retained earnings to average equity (ytd only) | 5.6416% | 1,742 |
| Net charge-offs to loans | 0.0022% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1,542.3333% | 44 |
| Efficiency ratio | 57.3980% | 4,602 |
| Assets per employee ($millions) | 5.3946% | 2,054 |
| Cash dividends to net income (ytd only)* | 67.4663% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 1,061 |
| Loan loss allowance to noncurrent loans | 367.1212% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 3,892 |
| Noncurrent loans to loans | 0.4455% | 3,183 |
| Net loans and leases to total assets | 50.9720% | 4,594 |
| Net loans and leases to deposits | 61.4380% | 4,486 |
| Net loans and leases to core deposits | 62.9773% | 4,599 |
| Total domestic deposits to total assets | 82.9649% | 3,571 |
| Equity capital to assets | 9.6423% | 4,095 |
| Core capital (leverage) ratio | 11.2120% | 2,153 |
| Tier 1 risk-based capital ratio | 16.5064% | 2,263 |
| Total risk-based capital ratio | 17.7583% | 2,201 |
| Memoranda: | ||
| Average total assets | $261,108,600 | 2,408 |
| Average earning assets | $230,669,000 | 2,495 |
| Average equity | $26,925,000 | 2,552 |
| Average total loans | $138,193,800 | 2,806 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9400% | 3,555 |
| Cost of funding earning assets | 0.3040% | 4,091 |
| Net interest margin | 3.6360% | 3,014 |
| Noninterest income to average assets | 1.0001% | 1,023 |
| Noninterest expense to average assets | 2.5190% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7454% | 527 |
| Return on assets (ROA) | 1.7695% | 516 |
| Pretax return on assets | 1.7711% | 955 |
| Return on Equity (ROE) | 16.8530% | 449 |
| Retained earnings to average equity (ytd only) | 3.6715% | 3,741 |
| Net charge-offs to loans | -0.0010% | 4,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5949% | 4,418 |
| Assets per employee ($millions) | 4.8302% | 2,661 |
| Cash dividends to net income (ytd only)* | 78.2146% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 932 |
| Loan loss allowance to noncurrent loans | 346.7143% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 3,845 |
| Noncurrent loans to loans | 0.5058% | 3,183 |
| Net loans and leases to total assets | 55.1948% | 4,306 |
| Net loans and leases to deposits | 68.3174% | 4,090 |
| Net loans and leases to core deposits | 70.3848% | 4,221 |
| Total domestic deposits to total assets | 80.7917% | 4,104 |
| Equity capital to assets | 11.2401% | 2,626 |
| Core capital (leverage) ratio | 11.1601% | 2,315 |
| Tier 1 risk-based capital ratio | 17.4950% | 2,012 |
| Total risk-based capital ratio | 18.7484% | 1,954 |
| Memoranda: | ||
| Average total assets | $254,906,750 | 2,472 |
| Average earning assets | $228,964,000 | 2,529 |
| Average equity | $26,764,000 | 2,578 |
| Average total loans | $135,702,250 | 2,855 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 3,656 |
| Cost of funding earning assets | 0.2920% | 4,161 |
| Net interest margin | 3.5775% | 3,118 |
| Noninterest income to average assets | 0.9427% | 1,148 |
| Noninterest expense to average assets | 2.4914% | 3,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6348% | 643 |
| Return on assets (ROA) | 1.6705% | 619 |
| Pretax return on assets | 1.6721% | 1,124 |
| Return on Equity (ROE) | 16.2763% | 495 |
| Retained earnings to average equity (ytd only) | 0.0832% | 5,055 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9060% | 4,329 |
| Assets per employee ($millions) | 4.8652% | 2,569 |
| Cash dividends to net income (ytd only)* | 99.4891% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7679% | 949 |
| Loan loss allowance to noncurrent loans | 347.0672% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 3,994 |
| Noncurrent loans to loans | 0.5094% | 3,232 |
| Net loans and leases to total assets | 54.3279% | 4,364 |
| Net loans and leases to deposits | 67.4472% | 4,114 |
| Net loans and leases to core deposits | 69.4788% | 4,258 |
| Total domestic deposits to total assets | 80.5488% | 4,298 |
| Equity capital to assets | 10.8615% | 2,953 |
| Core capital (leverage) ratio | 10.7809% | 2,625 |
| Tier 1 risk-based capital ratio | 17.0878% | 2,140 |
| Total risk-based capital ratio | 18.3411% | 2,081 |
| Memoranda: | ||
| Average total assets | $257,761,670 | 2,458 |
| Average earning assets | $229,490,330 | 2,533 |
| Average equity | $26,455,670 | 2,596 |
| Average total loans | $134,804,670 | 2,875 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 3,669 |
| Cost of funding earning assets | 0.2729% | 4,323 |
| Net interest margin | 3.5530% | 3,076 |
| Noninterest income to average assets | 0.9384% | 1,146 |
| Noninterest expense to average assets | 2.4968% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5538% | 744 |
| Return on assets (ROA) | 1.5538% | 765 |
| Pretax return on assets | 1.5553% | 1,360 |
| Return on Equity (ROE) | 15.5675% | 582 |
| Retained earnings to average equity (ytd only) | -1.7399% | 5,149 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1654% | 4,292 |
| Assets per employee ($millions) | 4.9843% | 2,469 |
| Cash dividends to net income (ytd only)* | 111.1765% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8399% | 889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 5,336 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 51.9351% | 4,522 |
| Net loans and leases to deposits | 63.4484% | 4,336 |
| Net loans and leases to core deposits | 65.3190% | 4,473 |
| Total domestic deposits to total assets | 81.8541% | 4,206 |
| Equity capital to assets | 10.5255% | 3,155 |
| Core capital (leverage) ratio | 10.6706% | 2,719 |
| Tier 1 risk-based capital ratio | 17.3907% | 2,070 |
| Total risk-based capital ratio | 18.6446% | 2,015 |
| Memoranda: | ||
| Average total assets | $262,581,000 | 2,445 |
| Average earning assets | $230,112,500 | 2,554 |
| Average equity | $26,208,500 | 2,623 |
| Average total loans | $133,594,000 | 2,905 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 3,707 |
| Cost of funding earning assets | 0.2845% | 4,215 |
| Net interest margin | 3.5765% | 3,161 |
| Noninterest income to average assets | 0.9998% | 1,146 |
| Noninterest expense to average assets | 2.3940% | 4,314 |
| Loan and lease loss provision to assets | 0.0059% | 4,240 |
| Net operating income to assets | 1.7625% | 479 |
| Return on assets (ROA) | 1.7791% | 480 |
| Pretax return on assets | 1.7807% | 839 |
| Return on Equity (ROE) | 16.8157% | 428 |
| Retained earnings to average equity (ytd only) | 5.2180% | 2,192 |
| Net charge-offs to loans | -0.0023% | 4,707 |
| Credit loss provision to net charge-offs | -500.0000% | 5,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0276% | 4,947 |
| Assets per employee ($millions) | 5.3067% | 2,048 |
| Cash dividends to net income (ytd only)* | 68.9693% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 959 |
| Loan loss allowance to noncurrent loans | 12,768.4211% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 5,391 |
| Noncurrent loans to loans | 0.0140% | 5,218 |
| Net loans and leases to total assets | 48.1636% | 4,887 |
| Net loans and leases to deposits | 57.9525% | 4,792 |
| Net loans and leases to core deposits | 59.4668% | 4,887 |
| Total domestic deposits to total assets | 83.1088% | 3,733 |
| Equity capital to assets | 9.4894% | 4,282 |
| Core capital (leverage) ratio | 10.8010% | 2,533 |
| Tier 1 risk-based capital ratio | 16.6038% | 2,305 |
| Total risk-based capital ratio | 17.8563% | 2,249 |
| Memoranda: | ||
| Average total assets | $253,044,600 | 2,479 |
| Average earning assets | $223,876,000 | 2,560 |
| Average equity | $26,772,600 | 2,587 |
| Average total loans | $133,129,200 | 2,876 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 3,643 |
| Cost of funding earning assets | 0.2849% | 4,255 |
| Net interest margin | 3.5984% | 3,080 |
| Noninterest income to average assets | 1.0345% | 1,062 |
| Noninterest expense to average assets | 2.4594% | 4,112 |
| Loan and lease loss provision to assets | 0.0081% | 4,070 |
| Net operating income to assets | 1.8001% | 493 |
| Return on assets (ROA) | 1.8227% | 493 |
| Pretax return on assets | 1.8243% | 855 |
| Return on Equity (ROE) | 16.7460% | 468 |
| Retained earnings to average equity (ytd only) | 3.8039% | 3,607 |
| Net charge-offs to loans | -0.0010% | 4,442 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1411% | 4,939 |
| Assets per employee ($millions) | 4.7577% | 2,667 |
| Cash dividends to net income (ytd only)* | 77.2847% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8316% | 954 |
| Loan loss allowance to noncurrent loans | 11,542.8571% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 5,356 |
| Noncurrent loans to loans | 0.0159% | 5,331 |
| Net loans and leases to total assets | 53.5437% | 4,534 |
| Net loans and leases to deposits | 65.7590% | 4,369 |
| Net loans and leases to core deposits | 67.6716% | 4,492 |
| Total domestic deposits to total assets | 81.4241% | 4,130 |
| Equity capital to assets | 11.4934% | 2,522 |
| Core capital (leverage) ratio | 10.8719% | 2,600 |
| Tier 1 risk-based capital ratio | 17.2782% | 2,136 |
| Total risk-based capital ratio | 18.5322% | 2,096 |
| Memoranda: | ||
| Average total assets | $247,318,500 | 2,538 |
| Average earning assets | $222,313,750 | 2,581 |
| Average equity | $26,919,250 | 2,592 |
| Average total loans | $132,578,250 | 2,894 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 3,397 |
| Cost of funding earning assets | 0.2878% | 4,270 |
| Net interest margin | 3.6693% | 2,827 |
| Noninterest income to average assets | 0.9909% | 1,136 |
| Noninterest expense to average assets | 2.4783% | 4,092 |
| Loan and lease loss provision to assets | 0.0121% | 3,864 |
| Net operating income to assets | 1.7671% | 504 |
| Return on assets (ROA) | 1.8009% | 499 |
| Pretax return on assets | 1.8025% | 878 |
| Return on Equity (ROE) | 16.8519% | 453 |
| Retained earnings to average equity (ytd only) | 0.9099% | 5,029 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7358% | 4,941 |
| Assets per employee ($millions) | 4.6275% | 2,828 |
| Cash dividends to net income (ytd only)* | 94.6006% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 1,009 |
| Loan loss allowance to noncurrent loans | 20,191.6667% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 5,469 |
| Noncurrent loans to loans | 0.0091% | 5,468 |
| Net loans and leases to total assets | 52.7430% | 4,613 |
| Net loans and leases to deposits | 64.4772% | 4,460 |
| Net loans and leases to core deposits | 66.3228% | 4,584 |
| Total domestic deposits to total assets | 81.8011% | 4,055 |
| Equity capital to assets | 11.1544% | 2,894 |
| Core capital (leverage) ratio | 10.5826% | 2,872 |
| Tier 1 risk-based capital ratio | 16.8149% | 2,300 |
| Total risk-based capital ratio | 18.0692% | 2,248 |
| Memoranda: | ||
| Average total assets | $248,877,000 | 2,539 |
| Average earning assets | $221,677,000 | 2,598 |
| Average equity | $26,596,330 | 2,626 |
| Average total loans | $132,656,330 | 2,892 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,294 |
| Cost of funding earning assets | 0.2827% | 4,358 |
| Net interest margin | 3.6958% | 2,684 |
| Noninterest income to average assets | 0.9207% | 1,263 |
| Noninterest expense to average assets | 2.4748% | 4,152 |
| Loan and lease loss provision to assets | 0.0239% | 3,371 |
| Net operating income to assets | 1.6531% | 632 |
| Return on assets (ROA) | 1.7201% | 583 |
| Pretax return on assets | 1.7217% | 1,014 |
| Return on Equity (ROE) | 16.4480% | 492 |
| Retained earnings to average equity (ytd only) | -0.8544% | 5,262 |
| Net charge-offs to loans | 0.0030% | 3,015 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 1,052.0000% | 40 |
| Efficiency ratio | 59.1241% | 4,857 |
| Assets per employee ($millions) | 4.3751% | 3,282 |
| Cash dividends to net income (ytd only)* | 105.1948% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8363% | 1,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 5,538 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 54.8042% | 4,375 |
| Net loans and leases to deposits | 66.1982% | 4,234 |
| Net loans and leases to core deposits | 68.1426% | 4,392 |
| Total domestic deposits to total assets | 82.7880% | 3,973 |
| Equity capital to assets | 11.1727% | 2,748 |
| Core capital (leverage) ratio | 10.6383% | 2,809 |
| Tier 1 risk-based capital ratio | 16.9204% | 2,317 |
| Total risk-based capital ratio | 18.1743% | 2,264 |
| Memoranda: | ||
| Average total assets | $250,687,000 | 2,534 |
| Average earning assets | $219,275,000 | 2,633 |
| Average equity | $26,216,000 | 2,644 |
| Average total loans | $133,095,000 | 2,886 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 3,511 |
| Cost of funding earning assets | 0.2745% | 4,542 |
| Net interest margin | 3.6786% | 2,837 |
| Noninterest income to average assets | 0.8845% | 1,486 |
| Noninterest expense to average assets | 2.3511% | 4,645 |
| Loan and lease loss provision to assets | 0.0366% | 3,614 |
| Net operating income to assets | 1.7421% | 535 |
| Return on assets (ROA) | 1.7547% | 543 |
| Pretax return on assets | 1.7600% | 875 |
| Return on Equity (ROE) | 16.8563% | 471 |
| Retained earnings to average equity (ytd only) | 4.3439% | 2,886 |
| Net charge-offs to loans | 0.0015% | 4,424 |
| Credit loss provision to net charge-offs | 4,500.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 2,195.5000% | 17 |
| Efficiency ratio | 56.3765% | 5,312 |
| Assets per employee ($millions) | 5.0023% | 2,359 |
| Cash dividends to net income (ytd only)* | 74.2301% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7931% | 1,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 5,601 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 49.7446% | 4,894 |
| Net loans and leases to deposits | 58.7256% | 4,864 |
| Net loans and leases to core deposits | 60.2241% | 4,970 |
| Total domestic deposits to total assets | 84.7069% | 3,203 |
| Equity capital to assets | 9.8205% | 4,168 |
| Core capital (leverage) ratio | 10.6697% | 2,746 |
| Tier 1 risk-based capital ratio | 15.9791% | 2,693 |
| Total risk-based capital ratio | 17.2321% | 2,634 |
| Memoranda: | ||
| Average total assets | $246,137,000 | 2,536 |
| Average earning assets | $217,501,600 | 2,608 |
| Average equity | $25,622,400 | 2,643 |
| Average total loans | $129,793,200 | 2,891 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9238% | 3,665 |
| Cost of funding earning assets | 0.2761% | 4,599 |
| Net interest margin | 3.6477% | 2,972 |
| Noninterest income to average assets | 0.9235% | 1,388 |
| Noninterest expense to average assets | 2.3856% | 4,549 |
| Loan and lease loss provision to assets | 0.0331% | 3,565 |
| Net operating income to assets | 1.7741% | 548 |
| Return on assets (ROA) | 1.7912% | 551 |
| Pretax return on assets | 1.7979% | 905 |
| Return on Equity (ROE) | 16.9438% | 472 |
| Retained earnings to average equity (ytd only) | 2.8266% | 4,424 |
| Net charge-offs to loans | 0.0021% | 4,111 |
| Credit loss provision to net charge-offs | 3,000.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 1,639.9101% | 39 |
| Efficiency ratio | 56.3199% | 5,308 |
| Assets per employee ($millions) | 4.5214% | 2,970 |
| Cash dividends to net income (ytd only)* | 83.3180% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 1,270 |
| Loan loss allowance to noncurrent loans | 3,349.2958% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 5,667 |
| Noncurrent loans to loans | 0.0537% | 5,404 |
| Net loans and leases to total assets | 55.2470% | 4,435 |
| Net loans and leases to deposits | 68.2543% | 4,168 |
| Net loans and leases to core deposits | 70.3175% | 4,344 |
| Total domestic deposits to total assets | 80.9429% | 4,490 |
| Equity capital to assets | 11.0155% | 3,011 |
| Core capital (leverage) ratio | 10.5760% | 2,952 |
| Tier 1 risk-based capital ratio | 16.4381% | 2,610 |
| Total risk-based capital ratio | 17.6917% | 2,564 |
| Memoranda: | ||
| Average total assets | $241,391,250 | 2,584 |
| Average earning assets | $216,790,250 | 2,631 |
| Average equity | $25,519,000 | 2,675 |
| Average total loans | $128,668,750 | 2,924 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 3,809 |
| Cost of funding earning assets | 0.2751% | 4,665 |
| Net interest margin | 3.5914% | 3,123 |
| Noninterest income to average assets | 0.8781% | 1,519 |
| Noninterest expense to average assets | 2.3468% | 4,726 |
| Loan and lease loss provision to assets | 0.0246% | 3,642 |
| Net operating income to assets | 1.6932% | 634 |
| Return on assets (ROA) | 1.7151% | 639 |
| Pretax return on assets | 1.7241% | 1,039 |
| Return on Equity (ROE) | 16.4459% | 556 |
| Retained earnings to average equity (ytd only) | -0.8585% | 5,670 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1083% | 5,326 |
| Assets per employee ($millions) | 4.3803% | 3,169 |
| Cash dividends to net income (ytd only)* | 105.2203% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8235% | 1,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 53.4887% | 4,613 |
| Net loans and leases to deposits | 65.1415% | 4,423 |
| Net loans and leases to core deposits | 67.0694% | 4,565 |
| Total domestic deposits to total assets | 82.1115% | 4,259 |
| Equity capital to assets | 10.5657% | 3,373 |
| Core capital (leverage) ratio | 10.2793% | 3,241 |
| Tier 1 risk-based capital ratio | 15.1186% | 3,290 |
| Total risk-based capital ratio | 16.3714% | 3,233 |
| Memoranda: | ||
| Average total assets | $243,483,330 | 2,586 |
| Average earning assets | $216,626,670 | 2,651 |
| Average equity | $25,392,330 | 2,689 |
| Average total loans | $127,467,670 | 2,957 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 3,898 |
| Cost of funding earning assets | 0.2722% | 4,761 |
| Net interest margin | 3.5546% | 3,208 |
| Noninterest income to average assets | 0.8552% | 1,547 |
| Noninterest expense to average assets | 2.3162% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6331% | 675 |
| Return on assets (ROA) | 1.6764% | 648 |
| Pretax return on assets | 1.6926% | 1,069 |
| Return on Equity (ROE) | 16.1766% | 547 |
| Retained earnings to average equity (ytd only) | -1.5473% | 5,626 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9248% | 5,345 |
| Assets per employee ($millions) | 4.4482% | 3,140 |
| Cash dividends to net income (ytd only)* | 109.5652% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 1,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 51.4271% | 4,710 |
| Net loans and leases to deposits | 61.3335% | 4,636 |
| Net loans and leases to core deposits | 63.1158% | 4,771 |
| Total domestic deposits to total assets | 83.8483% | 3,871 |
| Equity capital to assets | 10.9046% | 3,085 |
| Core capital (leverage) ratio | 10.2026% | 3,338 |
| Tier 1 risk-based capital ratio | 15.6443% | 3,085 |
| Total risk-based capital ratio | 16.8984% | 3,022 |
| Memoranda: | ||
| Average total assets | $246,956,000 | 2,584 |
| Average earning assets | $216,056,000 | 2,675 |
| Average equity | $25,592,500 | 2,696 |
| Average total loans | $126,766,000 | 2,965 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 3,790 |
| Cost of funding earning assets | 0.2962% | 4,830 |
| Net interest margin | 3.6851% | 3,060 |
| Noninterest income to average assets | 1.0853% | 1,037 |
| Noninterest expense to average assets | 2.4360% | 4,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.9401% | 363 |
| Return on assets (ROA) | 1.9563% | 366 |
| Pretax return on assets | 1.9576% | 553 |
| Return on Equity (ROE) | 19.3066% | 296 |
| Retained earnings to average equity (ytd only) | 7.7622% | 1,106 |
| Net charge-offs to loans | -0.0033% | 5,420 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1721% | 5,752 |
| Assets per employee ($millions) | 4.9646% | 2,367 |
| Cash dividends to net income (ytd only)* | 59.7949% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 1,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 5,762 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 49.4467% | 5,021 |
| Net loans and leases to deposits | 58.4624% | 5,032 |
| Net loans and leases to core deposits | 59.9951% | 5,142 |
| Total domestic deposits to total assets | 84.5785% | 3,467 |
| Equity capital to assets | 9.8687% | 4,272 |
| Core capital (leverage) ratio | 10.5255% | 2,915 |
| Tier 1 risk-based capital ratio | 15.5854% | 3,192 |
| Total risk-based capital ratio | 16.8381% | 3,116 |
| Memoranda: | ||
| Average total assets | $234,318,000 | 2,659 |
| Average earning assets | $209,327,400 | 2,716 |
| Average equity | $23,743,200 | 2,777 |
| Average total loans | $121,398,800 | 3,013 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9623% | 3,916 |
| Cost of funding earning assets | 0.2998% | 4,890 |
| Net interest margin | 3.6625% | 3,179 |
| Noninterest income to average assets | 0.8986% | 1,526 |
| Noninterest expense to average assets | 2.4826% | 4,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7539% | 553 |
| Return on assets (ROA) | 1.7697% | 554 |
| Pretax return on assets | 1.7703% | 940 |
| Return on Equity (ROE) | 17.3371% | 513 |
| Retained earnings to average equity (ytd only) | 5.0221% | 3,063 |
| Net charge-offs to loans | -0.0045% | 5,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0819% | 5,432 |
| Assets per employee ($millions) | 4.3127% | 3,277 |
| Cash dividends to net income (ytd only)* | 71.0326% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8691% | 1,528 |
| Loan loss allowance to noncurrent loans | 8,592.5926% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 5,819 |
| Noncurrent loans to loans | 0.0218% | 5,938 |
| Net loans and leases to total assets | 53.2897% | 4,663 |
| Net loans and leases to deposits | 64.8928% | 4,442 |
| Net loans and leases to core deposits | 66.7498% | 4,639 |
| Total domestic deposits to total assets | 82.1197% | 4,444 |
| Equity capital to assets | 10.6674% | 3,344 |
| Core capital (leverage) ratio | 10.2372% | 3,361 |
| Tier 1 risk-based capital ratio | 16.2100% | 2,951 |
| Total risk-based capital ratio | 17.4648% | 2,905 |
| Memoranda: | ||
| Average total assets | $228,357,750 | 2,729 |
| Average earning assets | $208,157,750 | 2,742 |
| Average equity | $23,309,750 | 2,824 |
| Average total loans | $119,255,750 | 3,073 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9425% | 3,965 |
| Cost of funding earning assets | 0.3010% | 4,959 |
| Net interest margin | 3.6415% | 3,182 |
| Noninterest income to average assets | 0.8533% | 1,642 |
| Noninterest expense to average assets | 2.4986% | 4,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6611% | 626 |
| Return on assets (ROA) | 1.6847% | 629 |
| Pretax return on assets | 1.6856% | 1,051 |
| Return on Equity (ROE) | 16.7567% | 577 |
| Retained earnings to average equity (ytd only) | 1.2635% | 5,247 |
| Net charge-offs to loans | -0.0068% | 5,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5283% | 5,359 |
| Assets per employee ($millions) | 4.1841% | 3,485 |
| Cash dividends to net income (ytd only)* | 92.4597% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9366% | 1,490 |
| Loan loss allowance to noncurrent loans | 7,483.8710% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 5,907 |
| Noncurrent loans to loans | 0.0259% | 5,990 |
| Net loans and leases to total assets | 51.0481% | 4,856 |
| Net loans and leases to deposits | 61.5025% | 4,739 |
| Net loans and leases to core deposits | 63.4025% | 4,870 |
| Total domestic deposits to total assets | 83.0016% | 4,307 |
| Equity capital to assets | 10.3056% | 3,686 |
| Core capital (leverage) ratio | 9.9105% | 3,731 |
| Tier 1 risk-based capital ratio | 15.9745% | 3,101 |
| Total risk-based capital ratio | 17.2294% | 3,034 |
| Memoranda: | ||
| Average total assets | $228,285,330 | 2,744 |
| Average earning assets | $207,331,330 | 2,761 |
| Average equity | $22,952,000 | 2,851 |
| Average total loans | $117,632,000 | 3,110 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8547% | 4,274 |
| Cost of funding earning assets | 0.2976% | 5,090 |
| Net interest margin | 3.5572% | 3,449 |
| Noninterest income to average assets | 0.8128% | 1,703 |
| Noninterest expense to average assets | 2.4225% | 4,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6291% | 641 |
| Return on assets (ROA) | 1.6889% | 603 |
| Pretax return on assets | 1.6889% | 996 |
| Return on Equity (ROE) | 17.0137% | 535 |
| Retained earnings to average equity (ytd only) | -7.8334% | 6,278 |
| Net charge-offs to loans | -0.0034% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2705% | 5,500 |
| Assets per employee ($millions) | 4.3555% | 3,239 |
| Cash dividends to net income (ytd only)* | 146.0417% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0716% | 1,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 6,003 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 48.3610% | 5,078 |
| Net loans and leases to deposits | 56.7522% | 5,054 |
| Net loans and leases to core deposits | 58.4859% | 5,164 |
| Total domestic deposits to total assets | 85.2144% | 3,771 |
| Equity capital to assets | 9.9543% | 3,899 |
| Core capital (leverage) ratio | 9.8514% | 3,785 |
| Tier 1 risk-based capital ratio | 16.5499% | 2,873 |
| Total risk-based capital ratio | 17.8061% | 2,843 |
| Memoranda: | ||
| Average total assets | $227,364,000 | 2,762 |
| Average earning assets | $207,018,500 | 2,780 |
| Average equity | $22,570,000 | 2,884 |
| Average total loans | $116,550,000 | 3,144 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7175% | 5,078 |
| Cost of funding earning assets | 0.3765% | 4,875 |
| Net interest margin | 3.3411% | 4,515 |
| Noninterest income to average assets | 0.9649% | 1,478 |
| Noninterest expense to average assets | 2.4803% | 4,832 |
| Loan and lease loss provision to assets | 0.0067% | 4,989 |
| Net operating income to assets | 1.4905% | 842 |
| Return on assets (ROA) | 1.4958% | 875 |
| Pretax return on assets | 1.4994% | 1,451 |
| Return on Equity (ROE) | 15.0315% | 753 |
| Retained earnings to average equity (ytd only) | 4.9242% | 2,649 |
| Net charge-offs to loans | -0.0026% | 5,869 |
| Credit loss provision to net charge-offs | -500.0000% | 6,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7565% | 5,251 |
| Assets per employee ($millions) | 4.3065% | 3,254 |
| Cash dividends to net income (ytd only)* | 67.2409% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9101% | 1,763 |
| Loan loss allowance to noncurrent loans | 6,811.7647% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 6,045 |
| Noncurrent loans to loans | 0.0280% | 6,170 |
| Net loans and leases to total assets | 52.1096% | 4,834 |
| Net loans and leases to deposits | 63.0467% | 4,603 |
| Net loans and leases to core deposits | 64.2389% | 4,846 |
| Total domestic deposits to total assets | 82.6523% | 4,664 |
| Equity capital to assets | 9.8995% | 3,901 |
| Core capital (leverage) ratio | 10.1433% | 3,372 |
| Tier 1 risk-based capital ratio | 15.8699% | 3,165 |
| Total risk-based capital ratio | 17.1246% | 3,120 |
| Memoranda: | ||
| Average total assets | $225,093,000 | 2,765 |
| Average earning assets | $203,199,400 | 2,797 |
| Average equity | $22,399,600 | 2,883 |
| Average total loans | $113,434,400 | 3,180 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 5,274 |
| Cost of funding earning assets | 0.3947% | 4,864 |
| Net interest margin | 3.2660% | 4,766 |
| Noninterest income to average assets | 0.9992% | 1,459 |
| Noninterest expense to average assets | 2.5144% | 4,672 |
| Loan and lease loss provision to assets | 0.0089% | 4,804 |
| Net operating income to assets | 1.4177% | 1,059 |
| Return on assets (ROA) | 1.4248% | 1,100 |
| Pretax return on assets | 1.4290% | 1,837 |
| Return on Equity (ROE) | 14.2989% | 928 |
| Retained earnings to average equity (ytd only) | 2.7321% | 4,686 |
| Net charge-offs to loans | -0.0048% | 5,779 |
| Credit loss provision to net charge-offs | -375.0000% | 5,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1761% | 4,953 |
| Assets per employee ($millions) | 4.0655% | 3,708 |
| Cash dividends to net income (ytd only)* | 80.8928% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1067% | 1,490 |
| Loan loss allowance to noncurrent loans | 981.7797% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 6,115 |
| Noncurrent loans to loans | 0.2146% | 5,699 |
| Net loans and leases to total assets | 49.0409% | 5,245 |
| Net loans and leases to deposits | 58.5041% | 5,136 |
| Net loans and leases to core deposits | 59.7344% | 5,319 |
| Total domestic deposits to total assets | 83.8247% | 4,267 |
| Equity capital to assets | 10.1244% | 3,738 |
| Core capital (leverage) ratio | 10.0422% | 3,619 |
| Tier 1 risk-based capital ratio | 16.7875% | 2,816 |
| Total risk-based capital ratio | 18.0442% | 2,763 |
| Memoranda: | ||
| Average total assets | $224,305,250 | 2,793 |
| Average earning assets | $202,320,250 | 2,821 |
| Average equity | $22,350,750 | 2,920 |
| Average total loans | $111,479,750 | 3,237 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 5,399 |
| Cost of funding earning assets | 0.4148% | 4,813 |
| Net interest margin | 3.1974% | 4,958 |
| Noninterest income to average assets | 0.9916% | 1,552 |
| Noninterest expense to average assets | 2.5304% | 4,625 |
| Loan and lease loss provision to assets | 0.0133% | 4,617 |
| Net operating income to assets | 1.3165% | 1,281 |
| Return on assets (ROA) | 1.3272% | 1,332 |
| Pretax return on assets | 1.3316% | 2,181 |
| Return on Equity (ROE) | 13.3887% | 1,144 |
| Retained earnings to average equity (ytd only) | -1.0272% | 6,059 |
| Net charge-offs to loans | -0.0054% | 5,650 |
| Credit loss provision to net charge-offs | -500.0000% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9255% | 4,718 |
| Assets per employee ($millions) | 4.0397% | 3,710 |
| Cash dividends to net income (ytd only)* | 107.6718% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1345% | 1,556 |
| Loan loss allowance to noncurrent loans | 600.0000% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 5,960 |
| Noncurrent loans to loans | 0.3558% | 5,391 |
| Net loans and leases to total assets | 49.5965% | 5,149 |
| Net loans and leases to deposits | 57.7571% | 5,180 |
| Net loans and leases to core deposits | 58.9728% | 5,348 |
| Total domestic deposits to total assets | 85.8708% | 3,438 |
| Equity capital to assets | 9.8257% | 4,152 |
| Core capital (leverage) ratio | 9.7412% | 3,880 |
| Tier 1 risk-based capital ratio | 16.4041% | 2,978 |
| Total risk-based capital ratio | 17.6607% | 2,938 |
| Memoranda: | ||
| Average total assets | $225,894,000 | 2,783 |
| Average earning assets | $202,975,000 | 2,838 |
| Average equity | $22,392,000 | 2,938 |
| Average total loans | $111,979,330 | 3,230 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6480% | 5,310 |
| Cost of funding earning assets | 0.4167% | 4,941 |
| Net interest margin | 3.2313% | 4,799 |
| Noninterest income to average assets | 0.9112% | 1,722 |
| Noninterest expense to average assets | 2.4833% | 4,813 |
| Loan and lease loss provision to assets | 0.0259% | 4,143 |
| Net operating income to assets | 1.2718% | 1,348 |
| Return on assets (ROA) | 1.2718% | 1,451 |
| Pretax return on assets | 1.2787% | 2,300 |
| Return on Equity (ROE) | 12.7788% | 1,220 |
| Retained earnings to average equity (ytd only) | -3.6758% | 6,249 |
| Net charge-offs to loans | -0.0106% | 5,461 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0114% | 4,819 |
| Assets per employee ($millions) | 4.0208% | 3,900 |
| Cash dividends to net income (ytd only)* | 128.7653% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1526% | 1,684 |
| Loan loss allowance to noncurrent loans | 772.0000% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 6,114 |
| Noncurrent loans to loans | 0.2788% | 5,702 |
| Net loans and leases to total assets | 46.7553% | 5,359 |
| Net loans and leases to deposits | 55.0256% | 5,342 |
| Net loans and leases to core deposits | 56.1373% | 5,507 |
| Total domestic deposits to total assets | 84.9701% | 4,057 |
| Equity capital to assets | 10.1304% | 3,973 |
| Core capital (leverage) ratio | 9.4725% | 4,131 |
| Tier 1 risk-based capital ratio | 16.3203% | 3,100 |
| Total risk-based capital ratio | 17.5771% | 3,046 |
| Memoranda: | ||
| Average total assets | $231,790,000 | 2,758 |
| Average earning assets | $206,359,000 | 2,828 |
| Average equity | $23,069,500 | 2,910 |
| Average total loans | $113,717,500 | 3,212 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1619% | 4,727 |
| Cost of funding earning assets | 0.5342% | 4,958 |
| Net interest margin | 3.6277% | 3,977 |
| Noninterest income to average assets | 1.5920% | 627 |
| Noninterest expense to average assets | 2.6602% | 4,541 |
| Loan and lease loss provision to assets | 0.0462% | 5,260 |
| Net operating income to assets | 2.1381% | 285 |
| Return on assets (ROA) | 2.1381% | 309 |
| Pretax return on assets | 2.1391% | 457 |
| Return on Equity (ROE) | 20.2608% | 293 |
| Retained earnings to average equity (ytd only) | 10.7873% | 465 |
| Net charge-offs to loans | -0.0438% | 6,680 |
| Credit loss provision to net charge-offs | -200.0000% | 6,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4234% | 6,222 |
| Assets per employee ($millions) | 4.3348% | 3,286 |
| Cash dividends to net income (ytd only)* | 46.7578% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9175% | 2,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 6,618 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 49.3025% | 5,266 |
| Net loans and leases to deposits | 59.6675% | 5,059 |
| Net loans and leases to core deposits | 60.9411% | 5,278 |
| Total domestic deposits to total assets | 82.6287% | 4,876 |
| Equity capital to assets | 9.7850% | 4,472 |
| Core capital (leverage) ratio | 9.8997% | 3,543 |
| Tier 1 risk-based capital ratio | 15.1062% | 3,668 |
| Total risk-based capital ratio | 16.3613% | 3,608 |
| Memoranda: | ||
| Average total assets | $212,053,800 | 2,903 |
| Average earning assets | $190,175,400 | 2,955 |
| Average equity | $22,378,200 | 2,931 |
| Average total loans | $111,819,000 | 3,253 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 4,615 |
| Cost of funding earning assets | 0.5613% | 4,988 |
| Net interest margin | 3.6967% | 3,808 |
| Noninterest income to average assets | 1.8352% | 477 |
| Noninterest expense to average assets | 2.7372% | 4,224 |
| Loan and lease loss provision to assets | 0.0539% | 5,072 |
| Net operating income to assets | 2.4023% | 209 |
| Return on assets (ROA) | 2.4023% | 222 |
| Pretax return on assets | 2.4036% | 342 |
| Return on Equity (ROE) | 22.2934% | 225 |
| Retained earnings to average equity (ytd only) | 14.8984% | 241 |
| Net charge-offs to loans | -0.0607% | 6,757 |
| Credit loss provision to net charge-offs | -166.0000% | 6,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2299% | 6,434 |
| Assets per employee ($millions) | 3.7949% | 4,312 |
| Cash dividends to net income (ytd only)* | 33.1712% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1164% | 1,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 6,710 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 50.6109% | 5,235 |
| Net loans and leases to deposits | 60.7197% | 5,121 |
| Net loans and leases to core deposits | 62.8598% | 5,276 |
| Total domestic deposits to total assets | 83.3517% | 4,499 |
| Equity capital to assets | 11.4667% | 2,786 |
| Core capital (leverage) ratio | 10.4747% | 2,944 |
| Tier 1 risk-based capital ratio | 16.9139% | 2,778 |
| Total risk-based capital ratio | 18.1708% | 2,736 |
| Memoranda: | ||
| Average total assets | $205,463,250 | 3,015 |
| Average earning assets | $186,719,000 | 3,029 |
| Average equity | $22,140,500 | 2,983 |
| Average total loans | $109,813,000 | 3,327 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 4,642 |
| Cost of funding earning assets | 0.5831% | 5,048 |
| Net interest margin | 3.6978% | 3,831 |
| Noninterest income to average assets | 2.0893% | 377 |
| Noninterest expense to average assets | 2.7655% | 4,153 |
| Loan and lease loss provision to assets | 0.0665% | 4,804 |
| Net operating income to assets | 2.6187% | 147 |
| Return on assets (ROA) | 2.6187% | 161 |
| Pretax return on assets | 2.6206% | 253 |
| Return on Equity (ROE) | 24.8433% | 152 |
| Retained earnings to average equity (ytd only) | 14.7426% | 296 |
| Net charge-offs to loans | 0.0163% | 5,190 |
| Credit loss provision to net charge-offs | 755.5556% | 415 |
| Earnings coverage of net charge-offs (x) | 305.1111% | 138 |
| Efficiency ratio | 50.2872% | 6,624 |
| Assets per employee ($millions) | 3.6203% | 4,713 |
| Cash dividends to net income (ytd only)* | 40.6577% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0118% | 2,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 6,384 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 53.0954% | 4,947 |
| Net loans and leases to deposits | 63.1063% | 4,867 |
| Net loans and leases to core deposits | 65.3741% | 5,072 |
| Total domestic deposits to total assets | 84.1364% | 4,258 |
| Equity capital to assets | 11.2107% | 2,885 |
| Core capital (leverage) ratio | 10.1367% | 3,216 |
| Tier 1 risk-based capital ratio | 16.1804% | 3,080 |
| Total risk-based capital ratio | 17.4367% | 3,037 |
| Memoranda: | ||
| Average total assets | $204,378,330 | 3,035 |
| Average earning assets | $185,894,330 | 3,041 |
| Average equity | $21,543,000 | 3,038 |
| Average total loans | $110,444,670 | 3,323 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 5,061 |
| Cost of funding earning assets | 0.6149% | 5,009 |
| Net interest margin | 3.5991% | 4,277 |
| Noninterest income to average assets | 0.8850% | 1,815 |
| Noninterest expense to average assets | 2.7037% | 4,411 |
| Loan and lease loss provision to assets | 0.0877% | 4,274 |
| Net operating income to assets | 1.3528% | 1,313 |
| Return on assets (ROA) | 1.3528% | 1,467 |
| Pretax return on assets | 1.3567% | 2,346 |
| Return on Equity (ROE) | 13.2503% | 1,334 |
| Retained earnings to average equity (ytd only) | -4.8686% | 6,573 |
| Net charge-offs to loans | 0.0506% | 3,996 |
| Credit loss provision to net charge-offs | 321.4286% | 928 |
| Earnings coverage of net charge-offs (x) | 52.9286% | 608 |
| Efficiency ratio | 64.6147% | 4,818 |
| Assets per employee ($millions) | 3.7843% | 4,464 |
| Cash dividends to net income (ytd only)* | 136.7435% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 2,270 |
| Loan loss allowance to noncurrent loans | 784.8921% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 6,005 |
| Noncurrent loans to loans | 0.2586% | 6,171 |
| Net loans and leases to total assets | 51.5488% | 5,076 |
| Net loans and leases to deposits | 60.5674% | 5,086 |
| Net loans and leases to core deposits | 62.7001% | 5,256 |
| Total domestic deposits to total assets | 85.1099% | 3,983 |
| Equity capital to assets | 10.2153% | 3,837 |
| Core capital (leverage) ratio | 9.0917% | 4,696 |
| Tier 1 risk-based capital ratio | 15.0537% | 3,725 |
| Total risk-based capital ratio | 16.3100% | 3,679 |
| Memoranda: | ||
| Average total assets | $205,200,000 | 3,050 |
| Average earning assets | $186,044,500 | 3,069 |
| Average equity | $20,950,500 | 3,112 |
| Average total loans | $110,740,500 | 3,337 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 4,269 |
| Cost of funding earning assets | 0.7765% | 5,030 |
| Net interest margin | 3.9189% | 3,262 |
| Noninterest income to average assets | 0.9480% | 1,511 |
| Noninterest expense to average assets | 2.8449% | 4,183 |
| Loan and lease loss provision to assets | 0.0991% | 5,350 |
| Net operating income to assets | 1.5944% | 669 |
| Return on assets (ROA) | 1.5975% | 724 |
| Pretax return on assets | 1.5985% | 1,203 |
| Return on Equity (ROE) | 15.6640% | 656 |
| Retained earnings to average equity (ytd only) | 7.5711% | 1,241 |
| Net charge-offs to loans | 0.2174% | 4,431 |
| Credit loss provision to net charge-offs | 77.2358% | 4,587 |
| Earnings coverage of net charge-offs (x) | 13.2033% | 1,557 |
| Efficiency ratio | 62.1078% | 5,441 |
| Assets per employee ($millions) | 3.8877% | 4,108 |
| Cash dividends to net income (ytd only)* | 51.6656% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8875% | 2,607 |
| Loan loss allowance to noncurrent loans | 757.3944% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 6,071 |
| Noncurrent loans to loans | 0.2492% | 6,237 |
| Net loans and leases to total assets | 54.2626% | 4,997 |
| Net loans and leases to deposits | 65.1892% | 4,851 |
| Net loans and leases to core deposits | 67.5096% | 5,086 |
| Total domestic deposits to total assets | 83.2385% | 4,654 |
| Equity capital to assets | 10.2043% | 3,900 |
| Core capital (leverage) ratio | 9.5029% | 4,019 |
| Tier 1 risk-based capital ratio | 14.6478% | 3,869 |
| Total risk-based capital ratio | 15.9029% | 3,842 |
| Memoranda: | ||
| Average total assets | $191,675,000 | 3,162 |
| Average earning assets | $175,660,600 | 3,148 |
| Average equity | $19,548,000 | 3,205 |
| Average total loans | $113,168,000 | 3,309 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 4,145 |
| Cost of funding earning assets | 0.8143% | 5,059 |
| Net interest margin | 3.9547% | 3,133 |
| Noninterest income to average assets | 0.9258% | 1,562 |
| Noninterest expense to average assets | 2.9171% | 3,854 |
| Loan and lease loss provision to assets | 0.1028% | 5,161 |
| Net operating income to assets | 1.5574% | 834 |
| Return on assets (ROA) | 1.5617% | 905 |
| Pretax return on assets | 1.5631% | 1,483 |
| Return on Equity (ROE) | 15.3154% | 786 |
| Retained earnings to average equity (ytd only) | 6.3681% | 2,315 |
| Net charge-offs to loans | 0.2124% | 4,103 |
| Credit loss provision to net charge-offs | 80.5556% | 4,127 |
| Earnings coverage of net charge-offs (x) | 13.0225% | 1,651 |
| Efficiency ratio | 63.1367% | 5,212 |
| Assets per employee ($millions) | 3.5085% | 4,972 |
| Cash dividends to net income (ytd only)* | 58.4204% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9355% | 2,518 |
| Loan loss allowance to noncurrent loans | 315.6977% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 6,052 |
| Noncurrent loans to loans | 0.6131% | 5,669 |
| Net loans and leases to total assets | 57.0288% | 4,678 |
| Net loans and leases to deposits | 68.4804% | 4,527 |
| Net loans and leases to core deposits | 71.3125% | 4,805 |
| Total domestic deposits to total assets | 83.2776% | 4,569 |
| Equity capital to assets | 10.7162% | 3,455 |
| Core capital (leverage) ratio | 9.6500% | 3,916 |
| Tier 1 risk-based capital ratio | 14.5769% | 3,926 |
| Total risk-based capital ratio | 15.8327% | 3,892 |
| Memoranda: | ||
| Average total assets | $188,081,250 | 3,229 |
| Average earning assets | $173,728,000 | 3,184 |
| Average equity | $19,178,500 | 3,261 |
| Average total loans | $112,970,250 | 3,349 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7865% | 4,145 |
| Cost of funding earning assets | 0.8529% | 5,040 |
| Net interest margin | 3.9336% | 3,153 |
| Noninterest income to average assets | 0.9161% | 1,599 |
| Noninterest expense to average assets | 2.9402% | 3,863 |
| Loan and lease loss provision to assets | 0.1073% | 4,962 |
| Net operating income to assets | 1.5125% | 862 |
| Return on assets (ROA) | 1.5189% | 911 |
| Pretax return on assets | 1.5210% | 1,464 |
| Return on Equity (ROE) | 15.1620% | 774 |
| Retained earnings to average equity (ytd only) | 2.9874% | 4,376 |
| Net charge-offs to loans | 0.3250% | 3,260 |
| Credit loss provision to net charge-offs | 54.3478% | 4,474 |
| Earnings coverage of net charge-offs (x) | 8.2174% | 2,097 |
| Efficiency ratio | 63.8843% | 5,259 |
| Assets per employee ($millions) | 3.4037% | 5,189 |
| Cash dividends to net income (ytd only)* | 80.2966% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8702% | 2,763 |
| Loan loss allowance to noncurrent loans | 276.0728% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 5,960 |
| Noncurrent loans to loans | 0.6774% | 5,549 |
| Net loans and leases to total assets | 59.5050% | 4,374 |
| Net loans and leases to deposits | 70.9119% | 4,305 |
| Net loans and leases to core deposits | 74.2612% | 4,546 |
| Total domestic deposits to total assets | 83.9140% | 4,388 |
| Equity capital to assets | 10.4820% | 3,530 |
| Core capital (leverage) ratio | 9.4637% | 4,010 |
| Tier 1 risk-based capital ratio | 14.0000% | 4,175 |
| Total risk-based capital ratio | 15.2558% | 4,142 |
| Memoranda: | ||
| Average total assets | $186,452,000 | 3,279 |
| Average earning assets | $172,817,670 | 3,226 |
| Average equity | $18,678,330 | 3,307 |
| Average total loans | $113,220,330 | 3,378 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 4,360 |
| Cost of funding earning assets | 0.8855% | 5,026 |
| Net interest margin | 3.8473% | 3,387 |
| Noninterest income to average assets | 0.8620% | 1,809 |
| Noninterest expense to average assets | 2.8569% | 4,242 |
| Loan and lease loss provision to assets | 0.0967% | 4,804 |
| Net operating income to assets | 1.4811% | 907 |
| Return on assets (ROA) | 1.4940% | 928 |
| Pretax return on assets | 1.4983% | 1,453 |
| Return on Equity (ROE) | 15.2697% | 778 |
| Retained earnings to average equity (ytd only) | -3.0979% | 6,315 |
| Net charge-offs to loans | -0.0566% | 6,923 |
| Credit loss provision to net charge-offs | -281.2500% | 5,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7772% | 5,398 |
| Assets per employee ($millions) | 3.5043% | 4,987 |
| Cash dividends to net income (ytd only)* | 120.2878% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0498% | 2,293 |
| Loan loss allowance to noncurrent loans | 327.7457% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 6,277 |
| Noncurrent loans to loans | 0.6254% | 5,785 |
| Net loans and leases to total assets | 58.3520% | 4,582 |
| Net loans and leases to deposits | 69.6441% | 4,403 |
| Net loans and leases to core deposits | 73.1598% | 4,631 |
| Total domestic deposits to total assets | 83.7860% | 4,580 |
| Equity capital to assets | 9.8386% | 3,979 |
| Core capital (leverage) ratio | 9.1248% | 4,404 |
| Tier 1 risk-based capital ratio | 13.9834% | 4,082 |
| Total risk-based capital ratio | 15.2407% | 4,059 |
| Memoranda: | ||
| Average total assets | $186,075,000 | 3,296 |
| Average earning assets | $173,002,500 | 3,256 |
| Average equity | $18,206,000 | 3,372 |
| Average total loans | $113,070,500 | 3,413 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1972% | 3,625 |
| Cost of funding earning assets | 1.1227% | 5,012 |
| Net interest margin | 4.0745% | 2,682 |
| Noninterest income to average assets | 0.9800% | 1,571 |
| Noninterest expense to average assets | 2.9407% | 4,068 |
| Loan and lease loss provision to assets | 0.1622% | 5,591 |
| Net operating income to assets | 1.3101% | 1,146 |
| Return on assets (ROA) | 1.3101% | 1,215 |
| Pretax return on assets | 1.6205% | 1,085 |
| Return on Equity (ROE) | 13.5268% | 978 |
| Retained earnings to average equity (ytd only) | 12.7817% | 223 |
| Net charge-offs to loans | 0.0932% | 5,916 |
| Credit loss provision to net charge-offs | 268.5185% | 1,033 |
| Earnings coverage of net charge-offs (x) | 29.5093% | 741 |
| Efficiency ratio | 61.6769% | 5,782 |
| Assets per employee ($millions) | 3.5174% | 4,899 |
| Cash dividends to net income (ytd only)* | 5.5081% | 3,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 2,528 |
| Loan loss allowance to noncurrent loans | 858.7549% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 6,890 |
| Noncurrent loans to loans | 0.2225% | 6,618 |
| Net loans and leases to total assets | 60.7707% | 4,533 |
| Net loans and leases to deposits | 76.2377% | 3,805 |
| Net loans and leases to core deposits | 79.5481% | 4,267 |
| Total domestic deposits to total assets | 79.7122% | 5,909 |
| Equity capital to assets | 9.7301% | 4,081 |
| Core capital (leverage) ratio | 9.2991% | 4,011 |
| Tier 1 risk-based capital ratio | 13.7707% | 4,005 |
| Total risk-based capital ratio | 15.0270% | 3,985 |
| Memoranda: | ||
| Average total assets | $178,769,600 | 3,399 |
| Average earning assets | $164,241,000 | 3,374 |
| Average equity | $17,313,800 | 3,535 |
| Average total loans | $115,917,000 | 3,406 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2912% | 3,393 |
| Cost of funding earning assets | 1.1715% | 5,027 |
| Net interest margin | 4.1197% | 2,534 |
| Noninterest income to average assets | 0.9755% | 1,536 |
| Noninterest expense to average assets | 2.9718% | 3,850 |
| Loan and lease loss provision to assets | 0.1847% | 5,196 |
| Net operating income to assets | 1.1044% | 1,873 |
| Return on assets (ROA) | 1.1044% | 1,978 |
| Pretax return on assets | 1.5967% | 1,357 |
| Return on Equity (ROE) | 11.4177% | 1,672 |
| Retained earnings to average equity (ytd only) | 11.4177% | 540 |
| Net charge-offs to loans | 0.0115% | 6,508 |
| Credit loss provision to net charge-offs | 2,450.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 236.3533% | 138 |
| Efficiency ratio | 61.9350% | 5,634 |
| Assets per employee ($millions) | 3.5624% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9523% | 2,344 |
| Loan loss allowance to noncurrent loans | 896.8254% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 7,003 |
| Noncurrent loans to loans | 0.2177% | 6,744 |
| Net loans and leases to total assets | 62.4718% | 4,430 |
| Net loans and leases to deposits | 77.0751% | 3,995 |
| Net loans and leases to core deposits | 81.3253% | 4,339 |
| Total domestic deposits to total assets | 81.0532% | 5,345 |
| Equity capital to assets | 10.1513% | 3,948 |
| Core capital (leverage) ratio | 9.3828% | 4,085 |
| Tier 1 risk-based capital ratio | 13.2150% | 4,412 |
| Total risk-based capital ratio | 14.4724% | 4,382 |
| Memoranda: | ||
| Average total assets | $176,856,500 | 3,466 |
| Average earning assets | $162,177,500 | 3,460 |
| Average equity | $17,107,500 | 3,622 |
| Average total loans | $116,022,000 | 3,445 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3304% | 3,315 |
| Cost of funding earning assets | 1.2107% | 5,068 |
| Net interest margin | 4.1198% | 2,470 |
| Noninterest income to average assets | 0.9815% | 1,433 |
| Noninterest expense to average assets | 3.0072% | 3,687 |
| Loan and lease loss provision to assets | 0.2796% | 4,163 |
| Net operating income to assets | 0.9518% | 2,359 |
| Return on assets (ROA) | 0.9518% | 2,446 |
| Pretax return on assets | 1.4733% | 1,632 |
| Return on Equity (ROE) | 10.0106% | 2,104 |
| Retained earnings to average equity (ytd only) | 10.0106% | 843 |
| Net charge-offs to loans | 0.0207% | 6,051 |
| Credit loss provision to net charge-offs | 2,041.6667% | 199 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 263 |
| Efficiency ratio | 62.5749% | 5,598 |
| Assets per employee ($millions) | 3.2616% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 2,233 |
| Loan loss allowance to noncurrent loans | 845.6929% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 6,915 |
| Noncurrent loans to loans | 0.2340% | 6,769 |
| Net loans and leases to total assets | 64.7000% | 4,108 |
| Net loans and leases to deposits | 79.2909% | 3,738 |
| Net loans and leases to core deposits | 84.4927% | 4,069 |
| Total domestic deposits to total assets | 81.5983% | 5,150 |
| Equity capital to assets | 10.1068% | 3,880 |
| Core capital (leverage) ratio | 9.2476% | 4,215 |
| Tier 1 risk-based capital ratio | 12.9880% | 4,453 |
| Total risk-based capital ratio | 14.2454% | 4,407 |
| Memoranda: | ||
| Average total assets | $175,248,000 | 3,511 |
| Average earning assets | $160,737,000 | 3,497 |
| Average equity | $16,662,330 | 3,694 |
| Average total loans | $116,109,330 | 3,475 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2748% | 3,669 |
| Cost of funding earning assets | 1.2492% | 5,118 |
| Net interest margin | 4.0257% | 2,765 |
| Noninterest income to average assets | 0.9386% | 1,488 |
| Noninterest expense to average assets | 2.8746% | 4,167 |
| Loan and lease loss provision to assets | 0.4307% | 2,801 |
| Net operating income to assets | 0.2720% | 5,411 |
| Return on assets (ROA) | 0.2720% | 5,536 |
| Pretax return on assets | 1.3081% | 2,027 |
| Return on Equity (ROE) | 2.9524% | 5,353 |
| Retained earnings to average equity (ytd only) | 2.9524% | 4,357 |
| Net charge-offs to loans | 0.0034% | 5,576 |
| Credit loss provision to net charge-offs | 19,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 767.0000% | 29 |
| Efficiency ratio | 61.7199% | 5,885 |
| Assets per employee ($millions) | 3.2885% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 2,342 |
| Loan loss allowance to noncurrent loans | 776.8421% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 6,943 |
| Noncurrent loans to loans | 0.2495% | 6,840 |
| Net loans and leases to total assets | 65.5113% | 3,986 |
| Net loans and leases to deposits | 79.6534% | 3,719 |
| Net loans and leases to core deposits | 84.8291% | 4,080 |
| Total domestic deposits to total assets | 82.2454% | 4,960 |
| Equity capital to assets | 9.6822% | 4,256 |
| Core capital (leverage) ratio | 8.7340% | 4,968 |
| Tier 1 risk-based capital ratio | 12.4810% | 4,773 |
| Total risk-based capital ratio | 13.7385% | 4,711 |
| Memoranda: | ||
| Average total assets | $176,440,000 | 3,552 |
| Average earning assets | $161,066,500 | 3,543 |
| Average equity | $16,258,000 | 3,786 |
| Average total loans | $117,113,500 | 3,516 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5990% | 3,615 |
| Cost of funding earning assets | 1.5443% | 5,316 |
| Net interest margin | 4.0547% | 2,627 |
| Noninterest income to average assets | 1.0310% | 1,466 |
| Noninterest expense to average assets | 2.9328% | 4,416 |
| Loan and lease loss provision to assets | 0.2180% | 5,616 |
| Net operating income to assets | 1.0216% | 1,772 |
| Return on assets (ROA) | 1.0216% | 1,815 |
| Pretax return on assets | 1.5742% | 1,018 |
| Return on Equity (ROE) | 11.0433% | 1,404 |
| Retained earnings to average equity (ytd only) | 3.4455% | 2,755 |
| Net charge-offs to loans | 0.0044% | 7,184 |
| Credit loss provision to net charge-offs | 7,400.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 608.4000% | 42 |
| Efficiency ratio | 61.4589% | 6,248 |
| Assets per employee ($millions) | 3.6375% | 4,677 |
| Cash dividends to net income (ytd only)* | 68.8005% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6877% | 2,935 |
| Loan loss allowance to noncurrent loans | 688.7755% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 6,962 |
| Noncurrent loans to loans | 0.2450% | 6,811 |
| Net loans and leases to total assets | 64.8579% | 4,400 |
| Net loans and leases to deposits | 79.7115% | 4,046 |
| Net loans and leases to core deposits | 91.6864% | 4,928 |
| Total domestic deposits to total assets | 81.3659% | 5,208 |
| Equity capital to assets | 8.7747% | 5,478 |
| Core capital (leverage) ratio | 8.5803% | 5,137 |
| Tier 1 risk-based capital ratio | 11.6976% | 5,199 |
| Total risk-based capital ratio | 12.9519% | 5,158 |
| Memoranda: | ||
| Average total assets | $169,733,200 | 3,619 |
| Average earning assets | $154,634,600 | 3,621 |
| Average equity | $15,701,800 | 3,921 |
| Average total loans | $113,563,400 | 3,617 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6448% | 3,602 |
| Cost of funding earning assets | 1.5950% | 5,425 |
| Net interest margin | 4.0498% | 2,598 |
| Noninterest income to average assets | 1.0414% | 1,466 |
| Noninterest expense to average assets | 3.0250% | 3,951 |
| Loan and lease loss provision to assets | 0.1080% | 6,296 |
| Net operating income to assets | 1.0598% | 1,865 |
| Return on assets (ROA) | 1.0598% | 1,928 |
| Pretax return on assets | 1.6085% | 1,154 |
| Return on Equity (ROE) | 11.2973% | 1,545 |
| Retained earnings to average equity (ytd only) | 7.5714% | 1,281 |
| Net charge-offs to loans | -0.0429% | 7,840 |
| Credit loss provision to net charge-offs | -375.0000% | 7,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1748% | 5,896 |
| Assets per employee ($millions) | 3.3205% | 5,341 |
| Cash dividends to net income (ytd only)* | 32.9811% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6198% | 2,913 |
| Loan loss allowance to noncurrent loans | 378.3058% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 6,683 |
| Noncurrent loans to loans | 0.4282% | 6,479 |
| Net loans and leases to total assets | 64.4039% | 4,772 |
| Net loans and leases to deposits | 78.7855% | 4,602 |
| Net loans and leases to core deposits | 91.5388% | 5,277 |
| Total domestic deposits to total assets | 81.7459% | 4,787 |
| Equity capital to assets | 9.5773% | 4,645 |
| Core capital (leverage) ratio | 9.0331% | 4,599 |
| Tier 1 risk-based capital ratio | 12.6547% | 4,433 |
| Total risk-based capital ratio | 13.9077% | 4,378 |
| Memoranda: | ||
| Average total assets | $166,697,500 | 3,683 |
| Average earning assets | $152,301,000 | 3,685 |
| Average equity | $15,637,500 | 3,977 |
| Average total loans | $111,957,750 | 3,690 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7557% | 3,270 |
| Cost of funding earning assets | 1.6369% | 5,576 |
| Net interest margin | 4.1188% | 2,257 |
| Noninterest income to average assets | 1.0127% | 1,551 |
| Noninterest expense to average assets | 3.0393% | 3,922 |
| Loan and lease loss provision to assets | 0.0729% | 6,465 |
| Net operating income to assets | 1.0807% | 1,836 |
| Return on assets (ROA) | 1.0807% | 1,912 |
| Pretax return on assets | 1.6526% | 1,107 |
| Return on Equity (ROE) | 11.6054% | 1,533 |
| Retained earnings to average equity (ytd only) | 5.9070% | 2,066 |
| Net charge-offs to loans | -0.0735% | 7,905 |
| Credit loss provision to net charge-offs | -146.3415% | 6,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1753% | 6,061 |
| Assets per employee ($millions) | 3.1411% | 5,741 |
| Cash dividends to net income (ytd only)* | 49.1011% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5670% | 2,884 |
| Loan loss allowance to noncurrent loans | 493.2773% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 6,832 |
| Noncurrent loans to loans | 0.3177% | 6,716 |
| Net loans and leases to total assets | 66.4452% | 4,471 |
| Net loans and leases to deposits | 79.9312% | 4,558 |
| Net loans and leases to core deposits | 90.8595% | 5,466 |
| Total domestic deposits to total assets | 83.1280% | 4,183 |
| Equity capital to assets | 9.3929% | 4,758 |
| Core capital (leverage) ratio | 9.1128% | 4,439 |
| Tier 1 risk-based capital ratio | 12.5483% | 4,489 |
| Total risk-based capital ratio | 13.8013% | 4,404 |
| Memoranda: | ||
| Average total assets | $164,707,330 | 3,724 |
| Average earning assets | $150,042,000 | 3,743 |
| Average equity | $15,337,670 | 4,058 |
| Average total loans | $111,598,330 | 3,728 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7860% | 3,375 |
| Cost of funding earning assets | 1.6742% | 5,724 |
| Net interest margin | 4.1118% | 2,233 |
| Noninterest income to average assets | 0.9254% | 1,754 |
| Noninterest expense to average assets | 2.9300% | 4,057 |
| Loan and lease loss provision to assets | 0.0733% | 6,038 |
| Net operating income to assets | 1.0865% | 2,009 |
| Return on assets (ROA) | 1.0865% | 2,138 |
| Pretax return on assets | 1.6701% | 1,242 |
| Return on Equity (ROE) | 11.7198% | 1,754 |
| Retained earnings to average equity (ytd only) | 0.2107% | 5,575 |
| Net charge-offs to loans | -0.2482% | 8,040 |
| Credit loss provision to net charge-offs | -43.4783% | 6,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0690% | 6,034 |
| Assets per employee ($millions) | 3.1198% | 5,840 |
| Cash dividends to net income (ytd only)* | 98.2022% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 2,466 |
| Loan loss allowance to noncurrent loans | 1,113.2911% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 7,297 |
| Noncurrent loans to loans | 0.1448% | 7,104 |
| Net loans and leases to total assets | 66.1571% | 4,554 |
| Net loans and leases to deposits | 80.9766% | 4,455 |
| Net loans and leases to core deposits | 91.4169% | 5,411 |
| Total domestic deposits to total assets | 81.6990% | 4,677 |
| Equity capital to assets | 9.3921% | 4,816 |
| Core capital (leverage) ratio | 8.8085% | 4,969 |
| Tier 1 risk-based capital ratio | 12.3817% | 4,633 |
| Total risk-based capital ratio | 13.6351% | 4,554 |
| Memoranda: | ||
| Average total assets | $163,822,500 | 3,767 |
| Average earning assets | $149,325,000 | 3,765 |
| Average equity | $15,188,000 | 4,109 |
| Average total loans | $111,209,000 | 3,760 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3857% | 3,488 |
| Cost of funding earning assets | 2.2036% | 5,583 |
| Net interest margin | 4.1821% | 2,383 |
| Noninterest income to average assets | 0.9876% | 1,620 |
| Noninterest expense to average assets | 2.9571% | 4,237 |
| Loan and lease loss provision to assets | 0.0948% | 6,175 |
| Net operating income to assets | 1.1007% | 2,147 |
| Return on assets (ROA) | 1.1007% | 2,060 |
| Pretax return on assets | 1.7155% | 1,114 |
| Return on Equity (ROE) | 12.2301% | 1,543 |
| Retained earnings to average equity (ytd only) | 6.0378% | 1,513 |
| Net charge-offs to loans | -0.0230% | 7,940 |
| Credit loss provision to net charge-offs | -600.0000% | 7,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3784% | 6,085 |
| Assets per employee ($millions) | 3.1810% | 5,537 |
| Cash dividends to net income (ytd only)* | 50.6315% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 2,860 |
| Loan loss allowance to noncurrent loans | 2,338.0282% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 7,417 |
| Noncurrent loans to loans | 0.0626% | 7,253 |
| Net loans and leases to total assets | 67.5104% | 4,555 |
| Net loans and leases to deposits | 83.9651% | 4,425 |
| Net loans and leases to core deposits | 93.7254% | 5,468 |
| Total domestic deposits to total assets | 80.4030% | 4,870 |
| Equity capital to assets | 9.1522% | 5,148 |
| Core capital (leverage) ratio | 9.1117% | 4,580 |
| Tier 1 risk-based capital ratio | 11.9527% | 4,860 |
| Total risk-based capital ratio | 13.2046% | 4,739 |
| Memoranda: | ||
| Average total assets | $158,264,600 | 3,753 |
| Average earning assets | $143,037,600 | 3,784 |
| Average equity | $14,243,600 | 4,283 |
| Average total loans | $108,808,400 | 3,710 |