Home > Freeport State Bank > Performance and Condition Ratios
Freeport State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 3,245 |
| Cost of funding earning assets | 0.7232% | 3,890 |
| Net interest margin | 3.6962% | 1,769 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.7998% | 1,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6813% | 3,241 |
| Return on assets (ROA) | 0.6813% | 3,218 |
| Pretax return on assets | 0.8729% | 3,034 |
| Return on Equity (ROE) | 8.2400% | 2,961 |
| Retained earnings to average equity (ytd only) | 5.4295% | 2,428 |
| Net charge-offs to loans | -0.0428% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.2329% | 1,227 |
| Assets per employee ($millions) | 7.2632% | 1,889 |
| Cash dividends to net income (ytd only)* | 34.0691% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 3,680 |
| Loan loss allowance to noncurrent loans | 14,233.3333% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,802 |
| Noncurrent loans to loans | 0.0064% | 3,732 |
| Net loans and leases to total assets | 58.1900% | 3,021 |
| Net loans and leases to deposits | 63.7687% | 3,299 |
| Net loans and leases to core deposits | 66.3243% | 3,484 |
| Total domestic deposits to total assets | 91.2500% | 439 |
| Equity capital to assets | 8.3334% | 3,168 |
| Core capital (leverage) ratio | 9.5508% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2600% | 1,461 |
| Memoranda: | ||
| Average total assets | $152,939,000 | 3,332 |
| Average earning assets | $143,797,200 | 3,306 |
| Average equity | $12,653,200 | 3,470 |
| Average total loans | $91,085,000 | 3,276 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 3,301 |
| Cost of funding earning assets | 0.6013% | 3,968 |
| Net interest margin | 3.6949% | 1,786 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.6591% | 1,774 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7926% | 3,044 |
| Return on assets (ROA) | 0.7926% | 3,045 |
| Pretax return on assets | 1.0315% | 2,763 |
| Return on Equity (ROE) | 9.6000% | 2,766 |
| Retained earnings to average equity (ytd only) | 5.8083% | 2,688 |
| Net charge-offs to loans | -0.0531% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.0497% | 1,562 |
| Assets per employee ($millions) | 7.2071% | 1,817 |
| Cash dividends to net income (ytd only)* | 39.4883% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 3,745 |
| 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 | 59.3600% | 2,903 |
| Net loans and leases to deposits | 64.8479% | 3,209 |
| Net loans and leases to core deposits | 67.0631% | 3,375 |
| Total domestic deposits to total assets | 91.5400% | 552 |
| Equity capital to assets | 7.9865% | 3,067 |
| Core capital (leverage) ratio | 9.9197% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8164% | 1,626 |
| Memoranda: | ||
| Average total assets | $151,226,250 | 3,355 |
| Average earning assets | $142,788,500 | 3,323 |
| Average equity | $12,487,500 | 3,477 |
| Average total loans | $90,398,250 | 3,284 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 3,377 |
| Cost of funding earning assets | 0.4643% | 4,051 |
| Net interest margin | 3.6959% | 1,824 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.6831% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7850% | 3,125 |
| Return on assets (ROA) | 0.7850% | 3,138 |
| Pretax return on assets | 1.0203% | 2,857 |
| Return on Equity (ROE) | 9.4000% | 2,864 |
| Retained earnings to average equity (ytd only) | 3.6849% | 3,289 |
| Net charge-offs to loans | -0.0180% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.4501% | 1,511 |
| Assets per employee ($millions) | 6.6515% | 2,171 |
| Cash dividends to net income (ytd only)* | 60.7877% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 3,799 |
| Loan loss allowance to noncurrent loans | 814.8515% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 3,078 |
| Noncurrent loans to loans | 0.1098% | 2,931 |
| Net loans and leases to total assets | 62.2900% | 2,551 |
| Net loans and leases to deposits | 68.9710% | 2,861 |
| Net loans and leases to core deposits | 70.4607% | 3,098 |
| Total domestic deposits to total assets | 90.3100% | 835 |
| Equity capital to assets | 8.6084% | 2,770 |
| Core capital (leverage) ratio | 10.0994% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3532% | 1,476 |
| Memoranda: | ||
| Average total assets | $148,783,000 | 3,390 |
| Average earning assets | $141,292,667 | 3,348 |
| Average equity | $12,429,000 | 3,495 |
| Average total loans | $88,874,333 | 3,308 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 3,440 |
| Cost of funding earning assets | 0.2897% | 4,220 |
| Net interest margin | 3.7185% | 1,855 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.6399% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7840% | 3,245 |
| Return on assets (ROA) | 0.7840% | 3,194 |
| Pretax return on assets | 1.0213% | 2,930 |
| Return on Equity (ROE) | 9.5300% | 2,917 |
| Retained earnings to average equity (ytd only) | -1.9765% | 4,205 |
| Net charge-offs to loans | -0.0229% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.1049% | 1,525 |
| Assets per employee ($millions) | 6.7002% | 2,196 |
| Cash dividends to net income (ytd only)* | 120.7483% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 3,777 |
| Loan loss allowance to noncurrent loans | 811.8812% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 3,117 |
| Noncurrent loans to loans | 0.1144% | 2,948 |
| Net loans and leases to total assets | 59.3600% | 2,731 |
| Net loans and leases to deposits | 64.9440% | 3,017 |
| Net loans and leases to core deposits | 65.8377% | 3,238 |
| Total domestic deposits to total assets | 91.4000% | 673 |
| Equity capital to assets | 8.4367% | 2,943 |
| Core capital (leverage) ratio | 9.7289% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4891% | 1,493 |
| Memoranda: | ||
| Average total assets | $150,007,500 | 3,426 |
| Average earning assets | $142,208,000 | 3,385 |
| Average equity | $12,345,000 | 3,543 |
| Average total loans | $87,326,000 | 3,362 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8541% | 2,116 |
| Cost of funding earning assets | 0.2186% | 3,608 |
| Net interest margin | 3.6355% | 1,540 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.7176% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6145% | 3,849 |
| Return on assets (ROA) | 0.6145% | 3,796 |
| Pretax return on assets | 0.7872% | 3,660 |
| Return on Equity (ROE) | 7.5400% | 3,510 |
| Retained earnings to average equity (ytd only) | 4.6672% | 3,190 |
| Net charge-offs to loans | -0.0241% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.5395% | 884 |
| Assets per employee ($millions) | 6.9369% | 2,018 |
| Cash dividends to net income (ytd only)* | 38.0901% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 3,622 |
| Loan loss allowance to noncurrent loans | 228.9326% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 1,975 |
| Noncurrent loans to loans | 0.4124% | 1,687 |
| Net loans and leases to total assets | 56.0400% | 3,025 |
| Net loans and leases to deposits | 60.9567% | 3,276 |
| Net loans and leases to core deposits | 61.3063% | 3,432 |
| Total domestic deposits to total assets | 91.9300% | 657 |
| Equity capital to assets | 8.0296% | 3,044 |
| Core capital (leverage) ratio | 9.3448% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4091% | 1,507 |
| Memoranda: | ||
| Average total assets | $151,676,200 | 3,425 |
| Average earning assets | $134,946,200 | 3,472 |
| Average equity | $12,362,800 | 3,638 |
| Average total loans | $83,085,600 | 3,369 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8011% | 1,762 |
| Cost of funding earning assets | 0.2137% | 3,106 |
| Net interest margin | 3.5873% | 1,421 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.5787% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6779% | 3,627 |
| Return on assets (ROA) | 0.6779% | 3,587 |
| Pretax return on assets | 0.8672% | 3,431 |
| Return on Equity (ROE) | 8.2900% | 3,241 |
| Retained earnings to average equity (ytd only) | 4.4659% | 3,300 |
| Net charge-offs to loans | -0.0178% | 3,953 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.7957% | 1,198 |
| Assets per employee ($millions) | 7.1236% | 1,861 |
| Cash dividends to net income (ytd only)* | 46.1039% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 3,750 |
| Loan loss allowance to noncurrent loans | 407.0707% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 2,727 |
| Noncurrent loans to loans | 0.2305% | 2,468 |
| Net loans and leases to total assets | 54.3100% | 3,070 |
| Net loans and leases to deposits | 58.8796% | 3,286 |
| Net loans and leases to core deposits | 59.3163% | 3,431 |
| Total domestic deposits to total assets | 92.2300% | 802 |
| Equity capital to assets | 7.5874% | 3,161 |
| Core capital (leverage) ratio | 9.0805% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2095% | 1,648 |
| Memoranda: | ||
| Average total assets | $151,442,500 | 3,456 |
| Average earning assets | $132,871,500 | 3,516 |
| Average equity | $12,390,000 | 3,670 |
| Average total loans | $82,273,750 | 3,391 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7701% | 1,371 |
| Cost of funding earning assets | 0.2195% | 2,649 |
| Net interest margin | 3.5506% | 1,180 |
| Noninterest income to average assets | 0.1496% | 4,265 |
| Noninterest expense to average assets | 2.5681% | 1,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5238% | 3,835 |
| Return on assets (ROA) | 0.5238% | 3,787 |
| Pretax return on assets | 0.6507% | 3,713 |
| Return on Equity (ROE) | 6.2439% | 3,518 |
| Retained earnings to average equity (ytd only) | 0.5893% | 4,078 |
| Net charge-offs to loans | -0.0173% | 3,809 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7841% | 963 |
| Assets per employee ($millions) | 6.6344% | 2,219 |
| Cash dividends to net income (ytd only)* | 90.5612% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 3,698 |
| Loan loss allowance to noncurrent loans | 257.8778% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 2,299 |
| Noncurrent loans to loans | 0.3788% | 2,006 |
| Net loans and leases to total assets | 53.2738% | 3,037 |
| Net loans and leases to deposits | 57.9086% | 3,235 |
| Net loans and leases to core deposits | 59.2401% | 3,327 |
| Total domestic deposits to total assets | 91.9963% | 834 |
| Equity capital to assets | 7.8917% | 3,205 |
| Core capital (leverage) ratio | 9.2863% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5041% | 1,571 |
| Memoranda: | ||
| Average total assets | $149,683,333 | 3,503 |
| Average earning assets | $129,387,333 | 3,606 |
| Average equity | $12,556,333 | 3,727 |
| Average total loans | $81,060,667 | 3,439 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8244% | 1,047 |
| Cost of funding earning assets | 0.2267% | 2,446 |
| Net interest margin | 3.5978% | 899 |
| Noninterest income to average assets | 0.1376% | 4,330 |
| Noninterest expense to average assets | 2.5987% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4722% | 3,783 |
| Return on assets (ROA) | 0.4722% | 3,748 |
| Pretax return on assets | 0.5802% | 3,690 |
| Return on Equity (ROE) | 5.4630% | 3,493 |
| Retained earnings to average equity (ytd only) | -5.6191% | 4,442 |
| Net charge-offs to loans | -0.0199% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7487% | 1,000 |
| Assets per employee ($millions) | 6.7990% | 2,147 |
| Cash dividends to net income (ytd only)* | 202.8571% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 3,765 |
| Loan loss allowance to noncurrent loans | 146.8750% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 1,659 |
| Noncurrent loans to loans | 0.6754% | 1,408 |
| Net loans and leases to total assets | 53.3113% | 2,843 |
| Net loans and leases to deposits | 58.1753% | 3,061 |
| Net loans and leases to core deposits | 59.3235% | 3,204 |
| Total domestic deposits to total assets | 91.6391% | 733 |
| Equity capital to assets | 8.2064% | 3,400 |
| Core capital (leverage) ratio | 9.1196% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4936% | 1,647 |
| Memoranda: | ||
| Average total assets | $148,229,500 | 3,530 |
| Average earning assets | $125,300,000 | 3,665 |
| Average equity | $12,813,500 | 3,781 |
| Average total loans | $80,544,500 | 3,450 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6948% | 425 |
| Cost of funding earning assets | 0.2924% | 2,476 |
| Net interest margin | 4.4024% | 331 |
| Noninterest income to average assets | 0.1625% | 4,339 |
| Noninterest expense to average assets | 2.8579% | 1,236 |
| Loan and lease loss provision to assets | 0.0222% | 2,623 |
| Net operating income to assets | 0.7469% | 3,501 |
| Return on assets (ROA) | 0.7469% | 3,564 |
| Pretax return on assets | 0.9911% | 3,283 |
| Return on Equity (ROE) | 8.0680% | 3,197 |
| Retained earnings to average equity (ytd only) | 5.3993% | 2,616 |
| Net charge-offs to loans | 0.0122% | 2,109 |
| Credit loss provision to net charge-offs | 310.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 141.5000% | 698 |
| Efficiency ratio | 73.8254% | 1,325 |
| Assets per employee ($millions) | 6.6764% | 2,177 |
| Cash dividends to net income (ytd only)* | 33.0777% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 3,801 |
| Loan loss allowance to noncurrent loans | 350.2203% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 2,860 |
| Noncurrent loans to loans | 0.2818% | 2,593 |
| Net loans and leases to total assets | 54.2977% | 2,813 |
| Net loans and leases to deposits | 59.7822% | 3,097 |
| Net loans and leases to core deposits | 61.4766% | 3,209 |
| Total domestic deposits to total assets | 90.8259% | 571 |
| Equity capital to assets | 9.0904% | 3,526 |
| Core capital (leverage) ratio | 9.3874% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6342% | 1,640 |
| Memoranda: | ||
| Average total assets | $139,649,800 | 3,587 |
| Average earning assets | $117,640,400 | 3,714 |
| Average equity | $12,927,600 | 3,839 |
| Average total loans | $82,293,200 | 3,439 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 393 |
| Cost of funding earning assets | 0.3072% | 2,528 |
| Net interest margin | 4.5198% | 302 |
| Noninterest income to average assets | 0.1490% | 4,450 |
| Noninterest expense to average assets | 2.7770% | 1,394 |
| Loan and lease loss provision to assets | 0.0297% | 2,402 |
| Net operating income to assets | 0.8850% | 3,292 |
| Return on assets (ROA) | 0.8850% | 3,364 |
| Pretax return on assets | 1.1559% | 3,058 |
| Return on Equity (ROE) | 9.5150% | 2,920 |
| Retained earnings to average equity (ytd only) | 5.9274% | 2,857 |
| Net charge-offs to loans | 0.0290% | 1,471 |
| Credit loss provision to net charge-offs | 172.2222% | 1,281 |
| Earnings coverage of net charge-offs (x) | 68.1111% | 1,078 |
| Efficiency ratio | 70.0757% | 1,592 |
| Assets per employee ($millions) | 6.4847% | 2,260 |
| Cash dividends to net income (ytd only)* | 37.7049% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 3,992 |
| Loan loss allowance to noncurrent loans | 191.9512% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 2,172 |
| Noncurrent loans to loans | 0.4972% | 2,065 |
| Net loans and leases to total assets | 57.2513% | 2,587 |
| Net loans and leases to deposits | 63.3464% | 2,920 |
| Net loans and leases to core deposits | 65.0662% | 3,038 |
| Total domestic deposits to total assets | 90.3781% | 608 |
| Equity capital to assets | 9.2939% | 3,562 |
| Core capital (leverage) ratio | 9.6946% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5607% | 1,776 |
| Memoranda: | ||
| Average total assets | $137,842,000 | 3,641 |
| Average earning assets | $116,313,750 | 3,772 |
| Average equity | $12,821,500 | 3,897 |
| Average total loans | $82,729,500 | 3,478 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 848 |
| Cost of funding earning assets | 0.3254% | 2,538 |
| Net interest margin | 4.0758% | 729 |
| Noninterest income to average assets | 0.1395% | 4,502 |
| Noninterest expense to average assets | 2.7981% | 1,361 |
| Loan and lease loss provision to assets | 0.0455% | 2,102 |
| Net operating income to assets | 0.5990% | 3,986 |
| Return on assets (ROA) | 0.5990% | 4,040 |
| Pretax return on assets | 0.7531% | 3,963 |
| Return on Equity (ROE) | 6.4375% | 3,805 |
| Retained earnings to average equity (ytd only) | 0.9940% | 4,341 |
| Net charge-offs to loans | 0.0555% | 1,068 |
| Credit loss provision to net charge-offs | 134.7826% | 1,210 |
| Earnings coverage of net charge-offs (x) | 23.6522% | 1,459 |
| Efficiency ratio | 77.7959% | 924 |
| Assets per employee ($millions) | 5.9748% | 2,640 |
| Cash dividends to net income (ytd only)* | 84.5588% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 4,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 1,891 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.5734% | 2,354 |
| Net loans and leases to deposits | 66.8525% | 2,741 |
| Net loans and leases to core deposits | 68.6136% | 2,905 |
| Total domestic deposits to total assets | 90.6076% | 514 |
| Equity capital to assets | 9.2497% | 3,559 |
| Core capital (leverage) ratio | 9.6121% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5078% | 1,469 |
| Memoranda: | ||
| Average total assets | $136,234,667 | 3,672 |
| Average earning assets | $115,561,333 | 3,793 |
| Average equity | $12,675,667 | 3,919 |
| Average total loans | $82,818,000 | 3,499 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 692 |
| Cost of funding earning assets | 0.3663% | 2,391 |
| Net interest margin | 4.2139% | 588 |
| Noninterest income to average assets | 0.1327% | 4,540 |
| Noninterest expense to average assets | 2.8457% | 1,270 |
| Loan and lease loss provision to assets | 0.0914% | 1,457 |
| Net operating income to assets | 0.5544% | 4,061 |
| Return on assets (ROA) | 0.5544% | 4,102 |
| Pretax return on assets | 0.6901% | 4,039 |
| Return on Equity (ROE) | 5.9409% | 3,876 |
| Retained earnings to average equity (ytd only) | -4.9613% | 4,701 |
| Net charge-offs to loans | 0.1265% | 573 |
| Credit loss provision to net charge-offs | 119.2308% | 1,046 |
| Earnings coverage of net charge-offs (x) | 10.1923% | 1,508 |
| Efficiency ratio | 78.4553% | 924 |
| Assets per employee ($millions) | 5.9228% | 2,672 |
| Cash dividends to net income (ytd only)* | 183.5106% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 4,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 1,927 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.7416% | 2,573 |
| Net loans and leases to deposits | 67.5002% | 2,752 |
| Net loans and leases to core deposits | 69.4833% | 2,906 |
| Total domestic deposits to total assets | 88.5058% | 1,604 |
| Equity capital to assets | 9.1070% | 3,584 |
| Core capital (leverage) ratio | 9.4598% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5180% | 1,733 |
| Memoranda: | ||
| Average total assets | $135,642,000 | 3,686 |
| Average earning assets | $112,485,000 | 3,834 |
| Average equity | $12,658,000 | 3,936 |
| Average total loans | $82,216,000 | 3,523 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2127% | 334 |
| Cost of funding earning assets | 0.6731% | 1,858 |
| Net interest margin | 4.5396% | 305 |
| Noninterest income to average assets | 0.1782% | 4,393 |
| Noninterest expense to average assets | 3.0570% | 1,313 |
| Loan and lease loss provision to assets | 0.2156% | 1,820 |
| Net operating income to assets | 0.7249% | 3,349 |
| Return on assets (ROA) | 0.7249% | 3,479 |
| Pretax return on assets | 0.8983% | 3,368 |
| Return on Equity (ROE) | 7.2670% | 3,088 |
| Retained earnings to average equity (ytd only) | 4.5548% | 2,504 |
| Net charge-offs to loans | 0.2982% | 582 |
| Credit loss provision to net charge-offs | 104.2308% | 2,775 |
| Earnings coverage of net charge-offs (x) | 5.3846% | 2,871 |
| Efficiency ratio | 73.2926% | 1,530 |
| Assets per employee ($millions) | 5.6275% | 2,713 |
| Cash dividends to net income (ytd only)* | 37.3216% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 4,071 |
| Loan loss allowance to noncurrent loans | 619.2000% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 1,891 |
| Noncurrent loans to loans | 0.1519% | 3,678 |
| Net loans and leases to total assets | 60.3410% | 2,813 |
| Net loans and leases to deposits | 68.5007% | 3,028 |
| Net loans and leases to core deposits | 71.6090% | 3,115 |
| Total domestic deposits to total assets | 88.0882% | 1,433 |
| Equity capital to assets | 9.5588% | 3,554 |
| Core capital (leverage) ratio | 9.6312% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0680% | 1,830 |
| Memoranda: | ||
| Average total assets | $125,680,400 | 3,678 |
| Average earning assets | $110,538,000 | 3,761 |
| Average equity | $12,536,200 | 3,914 |
| Average total loans | $87,196,400 | 3,450 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3476% | 314 |
| Cost of funding earning assets | 0.7215% | 1,896 |
| Net interest margin | 4.6261% | 293 |
| Noninterest income to average assets | 0.1622% | 4,489 |
| Noninterest expense to average assets | 2.9750% | 1,498 |
| Loan and lease loss provision to assets | 0.2862% | 1,410 |
| Net operating income to assets | 0.8519% | 2,902 |
| Return on assets (ROA) | 0.8519% | 3,030 |
| Pretax return on assets | 1.0940% | 2,769 |
| Return on Equity (ROE) | 8.4438% | 2,626 |
| Retained earnings to average equity (ytd only) | 4.8005% | 2,653 |
| Net charge-offs to loans | 0.3830% | 410 |
| Credit loss provision to net charge-offs | 104.3307% | 2,591 |
| Earnings coverage of net charge-offs (x) | 5.0276% | 2,769 |
| Efficiency ratio | 68.3048% | 2,142 |
| Assets per employee ($millions) | 5.3889% | 2,804 |
| Cash dividends to net income (ytd only)* | 43.1472% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 4,115 |
| Loan loss allowance to noncurrent loans | 113.9912% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 2,126 |
| Noncurrent loans to loans | 0.7763% | 1,875 |
| Net loans and leases to total assets | 67.0301% | 2,385 |
| Net loans and leases to deposits | 77.4714% | 2,592 |
| Net loans and leases to core deposits | 82.1507% | 2,652 |
| Total domestic deposits to total assets | 86.5224% | 1,850 |
| Equity capital to assets | 9.8869% | 3,349 |
| Core capital (leverage) ratio | 9.9048% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7439% | 1,572 |
| Memoranda: | ||
| Average total assets | $123,335,750 | 3,698 |
| Average earning assets | $111,797,500 | 3,727 |
| Average equity | $12,442,750 | 3,927 |
| Average total loans | $88,428,000 | 3,445 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5629% | 303 |
| Cost of funding earning assets | 0.7690% | 1,999 |
| Net interest margin | 4.7939% | 285 |
| Noninterest income to average assets | 0.1516% | 4,539 |
| Noninterest expense to average assets | 3.4186% | 830 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9016% | 2,683 |
| Return on assets (ROA) | 0.9016% | 2,806 |
| Pretax return on assets | 1.1621% | 2,489 |
| Return on Equity (ROE) | 8.8741% | 2,408 |
| Retained earnings to average equity (ytd only) | 3.3582% | 3,246 |
| Net charge-offs to loans | -0.0203% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6312% | 1,403 |
| Assets per employee ($millions) | 5.3892% | 2,747 |
| Cash dividends to net income (ytd only)* | 62.1572% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 4,190 |
| Loan loss allowance to noncurrent loans | 113.5294% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 2,255 |
| Noncurrent loans to loans | 0.7483% | 2,009 |
| Net loans and leases to total assets | 69.6590% | 2,084 |
| Net loans and leases to deposits | 81.7006% | 2,234 |
| Net loans and leases to core deposits | 89.6987% | 2,094 |
| Total domestic deposits to total assets | 85.2613% | 2,283 |
| Equity capital to assets | 9.7000% | 3,477 |
| Core capital (leverage) ratio | 10.0473% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6985% | 2,314 |
| Memoranda: | ||
| Average total assets | $121,336,667 | 3,708 |
| Average earning assets | $112,099,667 | 3,709 |
| Average equity | $12,328,000 | 3,942 |
| Average total loans | $88,748,667 | 3,442 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2464% | 608 |
| Cost of funding earning assets | 0.8116% | 2,314 |
| Net interest margin | 4.4348% | 582 |
| Noninterest income to average assets | 0.1739% | 4,500 |
| Noninterest expense to average assets | 4.0670% | 474 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3409% | 4,258 |
| Return on assets (ROA) | 0.3409% | 4,293 |
| Pretax return on assets | 0.3170% | 4,427 |
| Return on Equity (ROE) | 3.2736% | 4,155 |
| Retained earnings to average equity (ytd only) | -7.8566% | 4,684 |
| Net charge-offs to loans | -0.0182% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7683% | 402 |
| Assets per employee ($millions) | 5.0620% | 2,583 |
| Cash dividends to net income (ytd only)* | 340.0000% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 4,205 |
| Loan loss allowance to noncurrent loans | 93.0825% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 1,897 |
| Noncurrent loans to loans | 0.9406% | 1,752 |
| Net loans and leases to total assets | 74.5873% | 1,521 |
| Net loans and leases to deposits | 86.8225% | 1,898 |
| Net loans and leases to core deposits | 96.2301% | 1,772 |
| Total domestic deposits to total assets | 85.9078% | 2,033 |
| Equity capital to assets | 10.3920% | 3,428 |
| Core capital (leverage) ratio | 10.3326% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0908% | 2,243 |
| Memoranda: | ||
| Average total assets | $117,335,000 | 3,743 |
| Average earning assets | $111,391,000 | 3,697 |
| Average equity | $12,219,000 | 3,971 |
| Average total loans | $87,688,500 | 3,448 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3557% | 737 |
| Cost of funding earning assets | 0.8525% | 2,417 |
| Net interest margin | 4.5031% | 713 |
| Noninterest income to average assets | 0.2596% | 4,120 |
| Noninterest expense to average assets | 3.3022% | 1,293 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9393% | 3,061 |
| Return on assets (ROA) | 0.9393% | 3,141 |
| Pretax return on assets | 1.2109% | 2,802 |
| Return on Equity (ROE) | 9.2518% | 2,640 |
| Retained earnings to average equity (ytd only) | 6.3921% | 1,675 |
| Net charge-offs to loans | -0.0270% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1693% | 1,706 |
| Assets per employee ($millions) | 4.9268% | 2,676 |
| Cash dividends to net income (ytd only)* | 30.9091% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 4,086 |
| Loan loss allowance to noncurrent loans | 80.4004% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8026% | 1,616 |
| Noncurrent loans to loans | 1.0812% | 1,398 |
| Net loans and leases to total assets | 73.5834% | 1,821 |
| Net loans and leases to deposits | 84.8594% | 2,228 |
| Net loans and leases to core deposits | 94.7531% | 1,999 |
| Total domestic deposits to total assets | 86.7122% | 1,750 |
| Equity capital to assets | 10.4352% | 3,510 |
| Core capital (leverage) ratio | 10.4296% | 3,032 |
| Tier 1 risk-based capital ratio | 13.5191% | 3,510 |
| Total risk-based capital ratio | 14.3551% | 3,625 |
| Memoranda: | ||
| Average total assets | $117,105,400 | 3,744 |
| Average earning assets | $110,611,800 | 3,701 |
| Average equity | $11,889,600 | 4,012 |
| Average total loans | $88,913,800 | 3,424 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3580% | 766 |
| Cost of funding earning assets | 0.8563% | 2,430 |
| Net interest margin | 4.5017% | 759 |
| Noninterest income to average assets | 0.2477% | 4,256 |
| Noninterest expense to average assets | 3.1455% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0352% | 2,843 |
| Return on assets (ROA) | 1.0352% | 2,924 |
| Pretax return on assets | 1.3502% | 2,494 |
| Return on Equity (ROE) | 10.2681% | 2,323 |
| Retained earnings to average equity (ytd only) | 6.4190% | 2,163 |
| Net charge-offs to loans | -0.0179% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9670% | 2,121 |
| Assets per employee ($millions) | 4.9730% | 2,592 |
| Cash dividends to net income (ytd only)* | 37.4861% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 4,258 |
| Loan loss allowance to noncurrent loans | 118.8291% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 2,415 |
| Noncurrent loans to loans | 0.7113% | 2,184 |
| Net loans and leases to total assets | 73.8153% | 1,851 |
| Net loans and leases to deposits | 85.2221% | 2,296 |
| Net loans and leases to core deposits | 96.0511% | 1,987 |
| Total domestic deposits to total assets | 86.6152% | 1,722 |
| Equity capital to assets | 10.1766% | 3,847 |
| Core capital (leverage) ratio | 10.3470% | 3,260 |
| Tier 1 risk-based capital ratio | 13.0930% | 3,800 |
| Total risk-based capital ratio | 13.9026% | 3,926 |
| Memoranda: | ||
| Average total assets | $116,820,750 | 3,789 |
| Average earning assets | $110,237,500 | 3,748 |
| Average equity | $11,777,250 | 4,065 |
| Average total loans | $89,199,500 | 3,453 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3567% | 728 |
| Cost of funding earning assets | 0.8374% | 2,460 |
| Net interest margin | 4.5193% | 738 |
| Noninterest income to average assets | 0.2707% | 4,126 |
| Noninterest expense to average assets | 3.1420% | 1,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0709% | 2,646 |
| Return on assets (ROA) | 1.0709% | 2,709 |
| Pretax return on assets | 1.4003% | 2,209 |
| Return on Equity (ROE) | 10.6570% | 2,114 |
| Retained earnings to average equity (ytd only) | 4.8222% | 2,854 |
| Net charge-offs to loans | -0.0157% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1724% | 2,355 |
| Assets per employee ($millions) | 4.8892% | 2,615 |
| Cash dividends to net income (ytd only)* | 54.7504% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 4,353 |
| Loan loss allowance to noncurrent loans | 77.0661% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8249% | 1,705 |
| Noncurrent loans to loans | 1.0677% | 1,535 |
| Net loans and leases to total assets | 76.6279% | 1,447 |
| Net loans and leases to deposits | 88.7367% | 1,901 |
| Net loans and leases to core deposits | 100.4828% | 1,679 |
| Total domestic deposits to total assets | 86.3543% | 1,870 |
| Equity capital to assets | 10.1073% | 3,881 |
| Core capital (leverage) ratio | 10.2176% | 3,370 |
| Tier 1 risk-based capital ratio | 12.6164% | 4,067 |
| Total risk-based capital ratio | 13.4099% | 4,215 |
| Memoranda: | ||
| Average total assets | $115,977,000 | 3,822 |
| Average earning assets | $109,619,000 | 3,781 |
| Average equity | $11,654,330 | 4,094 |
| Average total loans | $89,315,670 | 3,474 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2895% | 770 |
| Cost of funding earning assets | 0.8070% | 2,496 |
| Net interest margin | 4.4825% | 768 |
| Noninterest income to average assets | 0.2602% | 4,152 |
| Noninterest expense to average assets | 3.2092% | 1,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9888% | 2,892 |
| Return on assets (ROA) | 0.9888% | 2,929 |
| Pretax return on assets | 1.2906% | 2,493 |
| Return on Equity (ROE) | 9.8688% | 2,422 |
| Retained earnings to average equity (ytd only) | -1.9045% | 4,737 |
| Net charge-offs to loans | -0.0226% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3184% | 2,143 |
| Assets per employee ($millions) | 4.7839% | 2,809 |
| Cash dividends to net income (ytd only)* | 119.2982% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 4,393 |
| Loan loss allowance to noncurrent loans | 95.6298% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 1,878 |
| Noncurrent loans to loans | 0.8757% | 1,893 |
| Net loans and leases to total assets | 76.7284% | 1,363 |
| Net loans and leases to deposits | 88.6410% | 1,783 |
| Net loans and leases to core deposits | 100.9072% | 1,542 |
| Total domestic deposits to total assets | 86.5609% | 2,033 |
| Equity capital to assets | 10.0371% | 3,792 |
| Core capital (leverage) ratio | 10.0081% | 3,599 |
| Tier 1 risk-based capital ratio | 12.5354% | 4,146 |
| Total risk-based capital ratio | 13.3446% | 4,300 |
| Memoranda: | ||
| Average total assets | $115,295,000 | 3,872 |
| Average earning assets | $109,047,000 | 3,831 |
| Average equity | $11,551,500 | 4,123 |
| Average total loans | $88,642,500 | 3,522 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2143% | 682 |
| Cost of funding earning assets | 0.6237% | 2,561 |
| Net interest margin | 4.5906% | 619 |
| Noninterest income to average assets | 0.2647% | 4,345 |
| Noninterest expense to average assets | 3.3847% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9409% | 3,284 |
| Return on assets (ROA) | 0.9409% | 3,274 |
| Pretax return on assets | 1.2162% | 2,828 |
| Return on Equity (ROE) | 9.6266% | 2,676 |
| Retained earnings to average equity (ytd only) | 6.6577% | 1,836 |
| Net charge-offs to loans | -0.0150% | 4,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5665% | 1,695 |
| Assets per employee ($millions) | 4.8240% | 2,708 |
| Cash dividends to net income (ytd only)* | 30.8411% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 4,415 |
| Loan loss allowance to noncurrent loans | 127.6339% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 2,329 |
| Noncurrent loans to loans | 0.6546% | 2,356 |
| Net loans and leases to total assets | 75.7558% | 1,656 |
| Net loans and leases to deposits | 88.1690% | 2,023 |
| Net loans and leases to core deposits | 96.8325% | 1,979 |
| Total domestic deposits to total assets | 85.9211% | 2,276 |
| Equity capital to assets | 10.0012% | 3,684 |
| Core capital (leverage) ratio | 10.2223% | 3,337 |
| Tier 1 risk-based capital ratio | 12.6251% | 4,061 |
| Total risk-based capital ratio | 13.4309% | 4,190 |
| Memoranda: | ||
| Average total assets | $113,718,800 | 3,889 |
| Average earning assets | $107,415,400 | 3,847 |
| Average equity | $11,115,000 | 4,143 |
| Average total loans | $86,481,600 | 3,544 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 665 |
| Cost of funding earning assets | 0.5982% | 2,482 |
| Net interest margin | 4.5749% | 628 |
| Noninterest income to average assets | 0.2615% | 4,400 |
| Noninterest expense to average assets | 3.2860% | 1,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9976% | 3,094 |
| Return on assets (ROA) | 0.9976% | 3,107 |
| Pretax return on assets | 1.2991% | 2,634 |
| Return on Equity (ROE) | 10.2674% | 2,495 |
| Retained earnings to average equity (ytd only) | 6.2671% | 2,506 |
| Net charge-offs to loans | -0.0202% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6671% | 1,942 |
| Assets per employee ($millions) | 4.9127% | 2,581 |
| Cash dividends to net income (ytd only)* | 38.9610% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 4,427 |
| Loan loss allowance to noncurrent loans | 849.4253% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 4,197 |
| Noncurrent loans to loans | 0.1011% | 4,432 |
| Net loans and leases to total assets | 75.4938% | 1,734 |
| Net loans and leases to deposits | 86.9488% | 2,267 |
| Net loans and leases to core deposits | 95.3500% | 2,180 |
| Total domestic deposits to total assets | 86.8256% | 1,812 |
| Equity capital to assets | 10.0503% | 3,586 |
| Core capital (leverage) ratio | 10.0209% | 3,612 |
| Tier 1 risk-based capital ratio | 12.6440% | 4,127 |
| Total risk-based capital ratio | 13.4669% | 4,256 |
| Memoranda: | ||
| Average total assets | $113,204,500 | 3,936 |
| Average earning assets | $106,986,500 | 3,899 |
| Average equity | $10,999,000 | 4,197 |
| Average total loans | $85,990,500 | 3,576 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1065% | 652 |
| Cost of funding earning assets | 0.5684% | 2,446 |
| Net interest margin | 4.5381% | 641 |
| Noninterest income to average assets | 0.2613% | 4,439 |
| Noninterest expense to average assets | 3.2999% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9552% | 3,211 |
| Return on assets (ROA) | 0.9552% | 3,218 |
| Pretax return on assets | 1.2465% | 2,738 |
| Return on Equity (ROE) | 9.9449% | 2,590 |
| Retained earnings to average equity (ytd only) | 3.8787% | 3,666 |
| Net charge-offs to loans | -0.0116% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5825% | 1,905 |
| Assets per employee ($millions) | 4.6924% | 2,823 |
| Cash dividends to net income (ytd only)* | 60.9982% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 4,558 |
| Loan loss allowance to noncurrent loans | 511.1888% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 3,912 |
| Noncurrent loans to loans | 0.1659% | 4,163 |
| Net loans and leases to total assets | 75.8820% | 1,654 |
| Net loans and leases to deposits | 89.1736% | 1,952 |
| Net loans and leases to core deposits | 96.3732% | 2,027 |
| Total domestic deposits to total assets | 85.0946% | 2,634 |
| Equity capital to assets | 9.8120% | 3,814 |
| Core capital (leverage) ratio | 9.7204% | 3,862 |
| Tier 1 risk-based capital ratio | 12.2813% | 4,323 |
| Total risk-based capital ratio | 13.0938% | 4,478 |
| Memoranda: | ||
| Average total assets | $113,275,330 | 3,963 |
| Average earning assets | $106,961,330 | 3,931 |
| Average equity | $10,880,000 | 4,251 |
| Average total loans | $85,973,670 | 3,605 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0134% | 680 |
| Cost of funding earning assets | 0.5529% | 2,382 |
| Net interest margin | 4.4605% | 668 |
| Noninterest income to average assets | 0.2113% | 4,749 |
| Noninterest expense to average assets | 3.3027% | 1,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8521% | 3,492 |
| Return on assets (ROA) | 0.8521% | 3,508 |
| Pretax return on assets | 1.1126% | 3,127 |
| Return on Equity (ROE) | 8.9671% | 2,921 |
| Retained earnings to average equity (ytd only) | -3.2608% | 5,096 |
| Net charge-offs to loans | -0.0140% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8006% | 1,778 |
| Assets per employee ($millions) | 4.7835% | 2,750 |
| Cash dividends to net income (ytd only)* | 136.3636% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 4,602 |
| Loan loss allowance to noncurrent loans | 729.0000% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 4,203 |
| Noncurrent loans to loans | 0.1180% | 4,437 |
| Net loans and leases to total assets | 73.2004% | 1,997 |
| Net loans and leases to deposits | 84.3034% | 2,359 |
| Net loans and leases to core deposits | 92.5436% | 2,255 |
| Total domestic deposits to total assets | 86.8297% | 2,190 |
| Equity capital to assets | 9.3647% | 4,215 |
| Core capital (leverage) ratio | 9.5792% | 3,986 |
| Tier 1 risk-based capital ratio | 12.0631% | 4,516 |
| Total risk-based capital ratio | 12.8811% | 4,676 |
| Memoranda: | ||
| Average total assets | $113,604,500 | 4,003 |
| Average earning assets | $107,074,000 | 3,969 |
| Average equity | $10,795,000 | 4,310 |
| Average total loans | $85,867,000 | 3,631 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2501% | 400 |
| Cost of funding earning assets | 0.5279% | 2,113 |
| Net interest margin | 4.7222% | 405 |
| Noninterest income to average assets | 0.2667% | 4,527 |
| Noninterest expense to average assets | 3.5030% | 1,029 |
| Loan and lease loss provision to assets | 0.0298% | 3,681 |
| Net operating income to assets | 0.8102% | 3,112 |
| Return on assets (ROA) | 0.8102% | 3,156 |
| Pretax return on assets | 1.1746% | 2,872 |
| Return on Equity (ROE) | 8.4950% | 2,547 |
| Retained earnings to average equity (ytd only) | 5.3757% | 1,878 |
| Net charge-offs to loans | 0.0126% | 3,643 |
| Credit loss provision to net charge-offs | 300.0000% | 939 |
| Earnings coverage of net charge-offs (x) | 121.0909% | 557 |
| Efficiency ratio | 74.4141% | 1,842 |
| Assets per employee ($millions) | 4.6835% | 2,889 |
| Cash dividends to net income (ytd only)* | 36.7188% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 4,717 |
| Loan loss allowance to noncurrent loans | 328.5068% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4164% | 3,199 |
| Noncurrent loans to loans | 0.2541% | 3,874 |
| Net loans and leases to total assets | 76.7243% | 1,476 |
| Net loans and leases to deposits | 88.5978% | 1,946 |
| Net loans and leases to core deposits | 99.1481% | 1,776 |
| Total domestic deposits to total assets | 86.5985% | 2,192 |
| Equity capital to assets | 9.6428% | 4,094 |
| Core capital (leverage) ratio | 9.7055% | 3,809 |
| Tier 1 risk-based capital ratio | 11.9920% | 4,533 |
| Total risk-based capital ratio | 12.7953% | 4,717 |
| Memoranda: | ||
| Average total assets | $110,591,000 | 4,050 |
| Average earning assets | $103,998,200 | 4,025 |
| Average equity | $10,547,400 | 4,371 |
| Average total loans | $87,456,000 | 3,577 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2665% | 370 |
| Cost of funding earning assets | 0.5224% | 2,093 |
| Net interest margin | 4.7441% | 379 |
| Noninterest income to average assets | 0.2494% | 4,716 |
| Noninterest expense to average assets | 3.3218% | 1,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9273% | 2,891 |
| Return on assets (ROA) | 0.9273% | 2,952 |
| Pretax return on assets | 1.3910% | 2,143 |
| Return on Equity (ROE) | 9.7504% | 2,230 |
| Retained earnings to average equity (ytd only) | 5.5626% | 2,498 |
| Net charge-offs to loans | -0.0228% | 4,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4855% | 2,460 |
| Assets per employee ($millions) | 4.5728% | 3,008 |
| Cash dividends to net income (ytd only)* | 42.9507% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8230% | 4,834 |
| Loan loss allowance to noncurrent loans | 466.8831% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 3,445 |
| Noncurrent loans to loans | 0.1763% | 4,365 |
| Net loans and leases to total assets | 78.9541% | 1,125 |
| Net loans and leases to deposits | 91.6649% | 1,608 |
| Net loans and leases to core deposits | 103.5604% | 1,423 |
| Total domestic deposits to total assets | 86.1334% | 2,254 |
| Equity capital to assets | 9.8190% | 4,123 |
| Core capital (leverage) ratio | 9.8355% | 3,775 |
| Tier 1 risk-based capital ratio | 12.1268% | 4,534 |
| Total risk-based capital ratio | 12.9359% | 4,725 |
| Memoranda: | ||
| Average total assets | $110,137,500 | 4,105 |
| Average earning assets | $103,620,250 | 4,075 |
| Average equity | $10,474,500 | 4,423 |
| Average total loans | $87,578,000 | 3,606 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 375 |
| Cost of funding earning assets | 0.5129% | 2,071 |
| Net interest margin | 4.7125% | 385 |
| Noninterest income to average assets | 0.2358% | 4,828 |
| Noninterest expense to average assets | 3.2847% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9232% | 2,790 |
| Return on assets (ROA) | 0.9232% | 2,848 |
| Pretax return on assets | 1.3839% | 2,081 |
| Return on Equity (ROE) | 9.8130% | 2,119 |
| Retained earnings to average equity (ytd only) | 3.4702% | 3,640 |
| Net charge-offs to loans | -0.0274% | 4,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3574% | 2,610 |
| Assets per employee ($millions) | 4.5851% | 2,968 |
| Cash dividends to net income (ytd only)* | 64.6365% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8178% | 4,901 |
| Loan loss allowance to noncurrent loans | 92.5065% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.7034% | 2,457 |
| Noncurrent loans to loans | 0.8840% | 2,207 |
| Net loans and leases to total assets | 78.9162% | 1,105 |
| Net loans and leases to deposits | 92.5998% | 1,417 |
| Net loans and leases to core deposits | 105.9851% | 1,235 |
| Total domestic deposits to total assets | 85.2229% | 2,725 |
| Equity capital to assets | 9.5591% | 4,351 |
| Core capital (leverage) ratio | 9.5426% | 4,078 |
| Tier 1 risk-based capital ratio | 11.7418% | 4,811 |
| Total risk-based capital ratio | 12.5410% | 4,978 |
| Memoranda: | ||
| Average total assets | $110,268,000 | 4,127 |
| Average earning assets | $103,724,000 | 4,104 |
| Average equity | $10,374,000 | 4,455 |
| Average total loans | $87,648,000 | 3,624 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1751% | 394 |
| Cost of funding earning assets | 0.5037% | 2,060 |
| Net interest margin | 4.6714% | 391 |
| Noninterest income to average assets | 0.2319% | 4,887 |
| Noninterest expense to average assets | 3.2578% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9204% | 2,663 |
| Return on assets (ROA) | 0.9204% | 2,717 |
| Pretax return on assets | 1.3770% | 1,959 |
| Return on Equity (ROE) | 9.8626% | 2,022 |
| Retained earnings to average equity (ytd only) | -2.9122% | 5,253 |
| Net charge-offs to loans | -0.0228% | 4,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2893% | 2,841 |
| Assets per employee ($millions) | 4.5925% | 3,019 |
| Cash dividends to net income (ytd only)* | 129.5276% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8048% | 5,049 |
| Loan loss allowance to noncurrent loans | 163.7413% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 3,630 |
| Noncurrent loans to loans | 0.4915% | 3,329 |
| Net loans and leases to total assets | 79.2876% | 933 |
| Net loans and leases to deposits | 92.4077% | 1,281 |
| Net loans and leases to core deposits | 105.3336% | 1,149 |
| Total domestic deposits to total assets | 85.8019% | 2,756 |
| Equity capital to assets | 9.3124% | 4,498 |
| Core capital (leverage) ratio | 9.3290% | 4,307 |
| Tier 1 risk-based capital ratio | 11.4151% | 5,084 |
| Total risk-based capital ratio | 12.2036% | 5,251 |
| Memoranda: | ||
| Average total assets | $110,381,000 | 4,170 |
| Average earning assets | $104,036,500 | 4,126 |
| Average equity | $10,301,500 | 4,495 |
| Average total loans | $87,693,500 | 3,652 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3085% | 348 |
| Cost of funding earning assets | 0.4739% | 2,317 |
| Net interest margin | 4.8345% | 327 |
| Noninterest income to average assets | 0.2531% | 4,905 |
| Noninterest expense to average assets | 3.5705% | 1,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8402% | 3,110 |
| Return on assets (ROA) | 0.8402% | 3,219 |
| Pretax return on assets | 1.2221% | 2,582 |
| Return on Equity (ROE) | 8.9492% | 2,446 |
| Retained earnings to average equity (ytd only) | 5.6521% | 1,919 |
| Net charge-offs to loans | -0.0204% | 5,133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4994% | 2,225 |
| Assets per employee ($millions) | 4.8062% | 2,641 |
| Cash dividends to net income (ytd only)* | 36.8421% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 5,085 |
| Loan loss allowance to noncurrent loans | 227.8317% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 4,157 |
| Noncurrent loans to loans | 0.3540% | 3,865 |
| Net loans and leases to total assets | 78.3261% | 1,154 |
| Net loans and leases to deposits | 91.1094% | 1,559 |
| Net loans and leases to core deposits | 103.7493% | 1,300 |
| Total domestic deposits to total assets | 85.9693% | 2,598 |
| Equity capital to assets | 9.3529% | 4,422 |
| Core capital (leverage) ratio | 9.3910% | 4,231 |
| Tier 1 risk-based capital ratio | 11.6028% | 4,983 |
| Total risk-based capital ratio | 12.3928% | 5,146 |
| Memoranda: | ||
| Average total assets | $106,288,200 | 4,235 |
| Average earning assets | $99,802,600 | 4,208 |
| Average equity | $9,978,600 | 4,586 |
| Average total loans | $83,370,400 | 3,731 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 363 |
| Cost of funding earning assets | 0.4617% | 2,448 |
| Net interest margin | 4.8462% | 333 |
| Noninterest income to average assets | 0.2522% | 4,957 |
| Noninterest expense to average assets | 3.4288% | 1,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9300% | 2,751 |
| Return on assets (ROA) | 0.9300% | 2,879 |
| Pretax return on assets | 1.3723% | 2,152 |
| Return on Equity (ROE) | 9.8967% | 2,094 |
| Retained earnings to average equity (ytd only) | 5.4608% | 2,512 |
| Net charge-offs to loans | -0.0178% | 4,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4173% | 2,664 |
| Assets per employee ($millions) | 4.5810% | 2,951 |
| Cash dividends to net income (ytd only)* | 44.8234% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 5,187 |
| Loan loss allowance to noncurrent loans | 244.9123% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 4,406 |
| Noncurrent loans to loans | 0.3269% | 4,084 |
| Net loans and leases to total assets | 78.6682% | 1,089 |
| Net loans and leases to deposits | 95.0910% | 1,140 |
| Net loans and leases to core deposits | 106.3418% | 1,159 |
| Total domestic deposits to total assets | 82.7294% | 3,697 |
| Equity capital to assets | 9.2593% | 4,907 |
| Core capital (leverage) ratio | 9.4432% | 4,264 |
| Tier 1 risk-based capital ratio | 11.4156% | 5,147 |
| Total risk-based capital ratio | 12.1983% | 5,312 |
| Memoranda: | ||
| Average total assets | $105,224,500 | 4,293 |
| Average earning assets | $98,768,750 | 4,260 |
| Average equity | $9,888,500 | 4,639 |
| Average total loans | $82,391,000 | 3,771 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 347 |
| Cost of funding earning assets | 0.4527% | 2,543 |
| Net interest margin | 4.8640% | 334 |
| Noninterest income to average assets | 0.2624% | 4,908 |
| Noninterest expense to average assets | 3.4635% | 1,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9243% | 2,748 |
| Return on assets (ROA) | 0.9243% | 2,882 |
| Pretax return on assets | 1.3603% | 2,164 |
| Return on Equity (ROE) | 9.7842% | 2,144 |
| Retained earnings to average equity (ytd only) | 3.0639% | 3,962 |
| Net charge-offs to loans | -0.0173% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8000% | 2,694 |
| Assets per employee ($millions) | 4.3561% | 3,289 |
| Cash dividends to net income (ytd only)* | 68.6848% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 5,153 |
| Loan loss allowance to noncurrent loans | 212.2324% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 4,251 |
| Noncurrent loans to loans | 0.3972% | 3,937 |
| Net loans and leases to total assets | 78.0826% | 1,190 |
| Net loans and leases to deposits | 93.1097% | 1,384 |
| Net loans and leases to core deposits | 102.9654% | 1,402 |
| Total domestic deposits to total assets | 83.8608% | 3,330 |
| Equity capital to assets | 9.4933% | 4,771 |
| Core capital (leverage) ratio | 9.5029% | 4,206 |
| Tier 1 risk-based capital ratio | 11.7231% | 5,020 |
| Total risk-based capital ratio | 12.5428% | 5,180 |
| Memoranda: | ||
| Average total assets | $103,651,330 | 4,355 |
| Average earning assets | $97,204,670 | 4,323 |
| Average equity | $9,791,330 | 4,687 |
| Average total loans | $80,791,670 | 3,830 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 389 |
| Cost of funding earning assets | 0.4393% | 2,688 |
| Net interest margin | 4.8029% | 357 |
| Noninterest income to average assets | 0.2984% | 4,594 |
| Noninterest expense to average assets | 3.4766% | 1,226 |
| Loan and lease loss provision to assets | 0.0194% | 3,436 |
| Net operating income to assets | 0.8837% | 2,837 |
| Return on assets (ROA) | 0.8837% | 2,962 |
| Pretax return on assets | 1.2945% | 2,333 |
| Return on Equity (ROE) | 9.3784% | 2,251 |
| Retained earnings to average equity (ytd only) | -4.1545% | 5,558 |
| Net charge-offs to loans | 0.0100% | 2,789 |
| Credit loss provision to net charge-offs | 250.0000% | 940 |
| Earnings coverage of net charge-offs (x) | 169.5000% | 358 |
| Efficiency ratio | 72.5728% | 2,714 |
| Assets per employee ($millions) | 4.3111% | 3,389 |
| Cash dividends to net income (ytd only)* | 144.2982% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 5,228 |
| Loan loss allowance to noncurrent loans | 17,250.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 5,666 |
| Noncurrent loans to loans | 0.0049% | 5,510 |
| Net loans and leases to total assets | 77.8151% | 1,125 |
| Net loans and leases to deposits | 91.8689% | 1,363 |
| Net loans and leases to core deposits | 102.2400% | 1,318 |
| Total domestic deposits to total assets | 84.7024% | 3,240 |
| Equity capital to assets | 9.3498% | 4,839 |
| Core capital (leverage) ratio | 9.4243% | 4,321 |
| Tier 1 risk-based capital ratio | 11.6292% | 5,153 |
| Total risk-based capital ratio | 12.4587% | 5,300 |
| Memoranda: | ||
| Average total assets | $103,203,500 | 4,405 |
| Average earning assets | $96,525,000 | 4,370 |
| Average equity | $9,724,500 | 4,722 |
| Average total loans | $80,024,000 | 3,857 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3410% | 348 |
| Cost of funding earning assets | 0.4120% | 3,036 |
| Net interest margin | 4.9290% | 287 |
| Noninterest income to average assets | 0.2940% | 4,782 |
| Noninterest expense to average assets | 3.5533% | 1,206 |
| Loan and lease loss provision to assets | 0.0029% | 4,330 |
| Net operating income to assets | 0.8996% | 2,870 |
| Return on assets (ROA) | 0.8996% | 2,949 |
| Pretax return on assets | 1.3372% | 2,143 |
| Return on Equity (ROE) | 9.7427% | 2,106 |
| Retained earnings to average equity (ytd only) | 6.8146% | 1,367 |
| Net charge-offs to loans | -0.0254% | 5,345 |
| Credit loss provision to net charge-offs | -15.0000% | 4,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6140% | 2,810 |
| Assets per employee ($millions) | 4.2892% | 3,408 |
| Cash dividends to net income (ytd only)* | 30.0546% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 5,195 |
| Loan loss allowance to noncurrent loans | 13,740.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 4,755 |
| Noncurrent loans to loans | 0.0063% | 5,521 |
| Net loans and leases to total assets | 75.9258% | 1,435 |
| Net loans and leases to deposits | 91.0328% | 1,503 |
| Net loans and leases to core deposits | 98.6819% | 1,620 |
| Total domestic deposits to total assets | 83.4049% | 3,709 |
| Equity capital to assets | 9.4958% | 4,552 |
| Core capital (leverage) ratio | 9.5450% | 4,109 |
| Tier 1 risk-based capital ratio | 11.9896% | 4,955 |
| Total risk-based capital ratio | 12.8322% | 5,109 |
| Memoranda: | ||
| Average total assets | $101,707,000 | 4,429 |
| Average earning assets | $94,907,200 | 4,417 |
| Average equity | $9,391,600 | 4,772 |
| Average total loans | $78,818,000 | 3,867 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3326% | 356 |
| Cost of funding earning assets | 0.4095% | 3,131 |
| Net interest margin | 4.9230% | 299 |
| Noninterest income to average assets | 0.2893% | 4,876 |
| Noninterest expense to average assets | 3.4306% | 1,412 |
| Loan and lease loss provision to assets | 0.0039% | 4,180 |
| Net operating income to assets | 0.9744% | 2,599 |
| Return on assets (ROA) | 0.9744% | 2,680 |
| Pretax return on assets | 1.4543% | 1,817 |
| Return on Equity (ROE) | 10.6283% | 1,852 |
| Retained earnings to average equity (ytd only) | 6.6839% | 1,844 |
| Net charge-offs to loans | -0.0220% | 5,238 |
| Credit loss provision to net charge-offs | -23.0769% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1721% | 3,179 |
| Assets per employee ($millions) | 4.2485% | 3,427 |
| Cash dividends to net income (ytd only)* | 37.1121% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 5,306 |
| Loan loss allowance to noncurrent loans | 2,615.3846% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 4,808 |
| Noncurrent loans to loans | 0.0332% | 5,487 |
| Net loans and leases to total assets | 76.1693% | 1,364 |
| Net loans and leases to deposits | 89.5089% | 1,709 |
| Net loans and leases to core deposits | 99.0840% | 1,597 |
| Total domestic deposits to total assets | 85.0968% | 2,969 |
| Equity capital to assets | 9.4160% | 4,867 |
| Core capital (leverage) ratio | 9.3590% | 4,503 |
| Tier 1 risk-based capital ratio | 12.0229% | 5,074 |
| Total risk-based capital ratio | 12.8744% | 5,235 |
| Memoranda: | ||
| Average total assets | $101,398,750 | 4,483 |
| Average earning assets | $94,736,250 | 4,467 |
| Average equity | $9,295,750 | 4,849 |
| Average total loans | $78,811,250 | 3,900 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3280% | 350 |
| Cost of funding earning assets | 0.4023% | 3,254 |
| Net interest margin | 4.9256% | 287 |
| Noninterest income to average assets | 0.3122% | 4,724 |
| Noninterest expense to average assets | 3.4206% | 1,441 |
| Loan and lease loss provision to assets | 0.0059% | 3,980 |
| Net operating income to assets | 0.9841% | 2,482 |
| Return on assets (ROA) | 0.9841% | 2,588 |
| Pretax return on assets | 1.4821% | 1,696 |
| Return on Equity (ROE) | 10.8332% | 1,736 |
| Retained earnings to average equity (ytd only) | 4.8510% | 2,955 |
| Net charge-offs to loans | -0.0203% | 5,178 |
| Credit loss provision to net charge-offs | -37.5000% | 4,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6860% | 3,390 |
| Assets per employee ($millions) | 4.2806% | 3,338 |
| Cash dividends to net income (ytd only)* | 55.2209% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8498% | 5,468 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 4,931 |
| Noncurrent loans to loans | 0.0340% | 5,611 |
| Net loans and leases to total assets | 76.6584% | 1,279 |
| Net loans and leases to deposits | 92.1014% | 1,363 |
| Net loans and leases to core deposits | 101.4714% | 1,365 |
| Total domestic deposits to total assets | 83.2326% | 3,860 |
| Equity capital to assets | 9.1089% | 5,140 |
| Core capital (leverage) ratio | 9.2227% | 4,660 |
| Tier 1 risk-based capital ratio | 11.9019% | 5,215 |
| Total risk-based capital ratio | 12.7604% | 5,380 |
| Memoranda: | ||
| Average total assets | $101,210,000 | 4,531 |
| Average earning assets | $94,445,330 | 4,512 |
| Average equity | $9,194,000 | 4,901 |
| Average total loans | $78,966,330 | 3,916 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2547% | 380 |
| Cost of funding earning assets | 0.4016% | 3,287 |
| Net interest margin | 4.8531% | 319 |
| Noninterest income to average assets | 0.2628% | 5,073 |
| Noninterest expense to average assets | 3.4247% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9079% | 2,709 |
| Return on assets (ROA) | 0.9079% | 2,833 |
| Pretax return on assets | 1.3619% | 2,033 |
| Return on Equity (ROE) | 10.0088% | 2,005 |
| Retained earnings to average equity (ytd only) | -2.0632% | 5,693 |
| Net charge-offs to loans | -0.0254% | 5,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5474% | 3,240 |
| Assets per employee ($millions) | 4.3558% | 3,276 |
| Cash dividends to net income (ytd only)* | 120.6140% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 5,577 |
| Loan loss allowance to noncurrent loans | 68.6858% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.2497% | 2,137 |
| Noncurrent loans to loans | 1.2355% | 2,313 |
| Net loans and leases to total assets | 78.0194% | 926 |
| Net loans and leases to deposits | 90.0973% | 1,379 |
| Net loans and leases to core deposits | 96.9812% | 1,549 |
| Total domestic deposits to total assets | 86.5947% | 2,610 |
| Equity capital to assets | 9.0713% | 5,217 |
| Core capital (leverage) ratio | 9.0490% | 4,897 |
| Tier 1 risk-based capital ratio | 11.7088% | 5,433 |
| Total risk-based capital ratio | 12.5707% | 5,562 |
| Memoranda: | ||
| Average total assets | $100,447,500 | 4,584 |
| Average earning assets | $93,630,000 | 4,558 |
| Average equity | $9,112,000 | 4,961 |
| Average total loans | $78,734,500 | 3,942 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4259% | 361 |
| Cost of funding earning assets | 0.4303% | 3,379 |
| Net interest margin | 4.9956% | 305 |
| Noninterest income to average assets | 0.2613% | 5,265 |
| Noninterest expense to average assets | 3.7697% | 1,036 |
| Loan and lease loss provision to assets | 0.0020% | 4,568 |
| Net operating income to assets | 0.7605% | 3,567 |
| Return on assets (ROA) | 0.7605% | 3,668 |
| Pretax return on assets | 1.1285% | 2,973 |
| Return on Equity (ROE) | 8.4138% | 2,901 |
| Retained earnings to average equity (ytd only) | 5.4892% | 2,267 |
| Net charge-offs to loans | 0.0182% | 4,490 |
| Credit loss provision to net charge-offs | 14.2857% | 4,049 |
| Earnings coverage of net charge-offs (x) | 79.4286% | 630 |
| Efficiency ratio | 76.9295% | 2,358 |
| Assets per employee ($millions) | 4.1963% | 3,553 |
| Cash dividends to net income (ytd only)* | 34.7594% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 5,652 |
| Loan loss allowance to noncurrent loans | 70.0422% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.2183% | 2,336 |
| Noncurrent loans to loans | 1.2055% | 2,438 |
| Net loans and leases to total assets | 77.4225% | 1,083 |
| Net loans and leases to deposits | 89.9052% | 1,527 |
| Net loans and leases to core deposits | 96.7767% | 1,656 |
| Total domestic deposits to total assets | 86.1157% | 2,773 |
| Equity capital to assets | 9.0715% | 5,210 |
| Core capital (leverage) ratio | 9.0941% | 4,836 |
| Tier 1 risk-based capital ratio | 11.6284% | 5,589 |
| Total risk-based capital ratio | 12.4736% | 5,731 |
| Memoranda: | ||
| Average total assets | $98,362,800 | 4,642 |
| Average earning assets | $91,339,800 | 4,621 |
| Average equity | $8,890,200 | 4,999 |
| Average total loans | $76,918,800 | 3,972 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4233% | 360 |
| Cost of funding earning assets | 0.4347% | 3,421 |
| Net interest margin | 4.9886% | 305 |
| Noninterest income to average assets | 0.2482% | 5,436 |
| Noninterest expense to average assets | 3.6027% | 1,293 |
| Loan and lease loss provision to assets | 0.0027% | 4,353 |
| Net operating income to assets | 0.8577% | 3,138 |
| Return on assets (ROA) | 0.8577% | 3,231 |
| Pretax return on assets | 1.2750% | 2,479 |
| Return on Equity (ROE) | 9.4991% | 2,448 |
| Retained earnings to average equity (ytd only) | 5.5726% | 2,688 |
| Net charge-offs to loans | -0.0122% | 5,474 |
| Credit loss provision to net charge-offs | -28.5714% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8195% | 2,849 |
| Assets per employee ($millions) | 4.1473% | 3,569 |
| Cash dividends to net income (ytd only)* | 41.3355% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 5,649 |
| Loan loss allowance to noncurrent loans | 69.2619% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2749% | 2,413 |
| Noncurrent loans to loans | 1.2755% | 2,509 |
| Net loans and leases to total assets | 77.2150% | 1,065 |
| Net loans and leases to deposits | 89.3394% | 1,500 |
| Net loans and leases to core deposits | 96.2517% | 1,657 |
| Total domestic deposits to total assets | 86.4289% | 2,625 |
| Equity capital to assets | 9.0591% | 5,292 |
| Core capital (leverage) ratio | 9.0972% | 4,934 |
| Tier 1 risk-based capital ratio | 11.6384% | 5,711 |
| Total risk-based capital ratio | 12.5226% | 5,831 |
| Memoranda: | ||
| Average total assets | $97,775,750 | 4,701 |
| Average earning assets | $90,791,750 | 4,680 |
| Average equity | $8,828,750 | 5,055 |
| Average total loans | $76,489,250 | 4,011 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4261% | 357 |
| Cost of funding earning assets | 0.4374% | 3,467 |
| Net interest margin | 4.9888% | 289 |
| Noninterest income to average assets | 0.2428% | 5,456 |
| Noninterest expense to average assets | 3.5724% | 1,345 |
| Loan and lease loss provision to assets | 0.0041% | 4,140 |
| Net operating income to assets | 0.8643% | 2,986 |
| Return on assets (ROA) | 0.8643% | 3,080 |
| Pretax return on assets | 1.2903% | 2,292 |
| Return on Equity (ROE) | 9.5825% | 2,335 |
| Retained earnings to average equity (ytd only) | 3.6505% | 3,865 |
| Net charge-offs to loans | -0.0053% | 5,184 |
| Credit loss provision to net charge-offs | -100.0000% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4038% | 3,085 |
| Assets per employee ($millions) | 4.0909% | 3,664 |
| Cash dividends to net income (ytd only)* | 61.9048% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 5,790 |
| Loan loss allowance to noncurrent loans | 50.5576% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 1.6551% | 1,967 |
| Noncurrent loans to loans | 1.7334% | 1,991 |
| Net loans and leases to total assets | 78.3362% | 868 |
| Net loans and leases to deposits | 90.4560% | 1,328 |
| Net loans and leases to core deposits | 97.5385% | 1,471 |
| Total domestic deposits to total assets | 86.6014% | 2,697 |
| Equity capital to assets | 8.9701% | 5,328 |
| Core capital (leverage) ratio | 9.0537% | 4,936 |
| Tier 1 risk-based capital ratio | 11.4348% | 5,839 |
| Total risk-based capital ratio | 12.3177% | 5,960 |
| Memoranda: | ||
| Average total assets | $97,189,330 | 4,748 |
| Average earning assets | $90,082,670 | 4,728 |
| Average equity | $8,766,000 | 5,095 |
| Average total loans | $76,138,670 | 4,036 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3469% | 384 |
| Cost of funding earning assets | 0.4426% | 3,509 |
| Net interest margin | 4.9043% | 319 |
| Noninterest income to average assets | 0.2854% | 5,083 |
| Noninterest expense to average assets | 3.6073% | 1,296 |
| Loan and lease loss provision to assets | 0.0041% | 3,768 |
| Net operating income to assets | 0.8150% | 3,081 |
| Return on assets (ROA) | 0.8150% | 3,153 |
| Pretax return on assets | 1.2121% | 2,437 |
| Return on Equity (ROE) | 9.0103% | 2,460 |
| Retained earnings to average equity (ytd only) | 9.0103% | 1,251 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7856% | 3,000 |
| Assets per employee ($millions) | 4.0584% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 5,906 |
| Loan loss allowance to noncurrent loans | 161.5752% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 1.0534% | 3,148 |
| Noncurrent loans to loans | 0.5484% | 4,517 |
| Net loans and leases to total assets | 77.7510% | 791 |
| Net loans and leases to deposits | 88.7861% | 1,278 |
| Net loans and leases to core deposits | 95.3899% | 1,436 |
| Total domestic deposits to total assets | 87.5711% | 2,475 |
| Equity capital to assets | 9.0799% | 5,021 |
| Core capital (leverage) ratio | 9.2535% | 4,640 |
| Tier 1 risk-based capital ratio | 11.6124% | 5,853 |
| Total risk-based capital ratio | 12.5013% | 5,989 |
| Memoranda: | ||
| Average total assets | $96,693,000 | 4,805 |
| Average earning assets | $89,472,000 | 4,787 |
| Average equity | $8,745,500 | 5,118 |
| Average total loans | $75,412,000 | 4,084 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5395% | 338 |
| Cost of funding earning assets | 0.5364% | 3,236 |
| Net interest margin | 5.0030% | 310 |
| Noninterest income to average assets | 0.3090% | 5,127 |
| Noninterest expense to average assets | 3.8920% | 1,004 |
| Loan and lease loss provision to assets | 0.0159% | 4,808 |
| Net operating income to assets | 0.6762% | 3,912 |
| Return on assets (ROA) | 0.6762% | 4,006 |
| Pretax return on assets | 0.9905% | 3,388 |
| Return on Equity (ROE) | 7.5869% | 3,255 |
| Retained earnings to average equity (ytd only) | 4.4999% | 2,979 |
| Net charge-offs to loans | -0.0138% | 6,073 |
| Credit loss provision to net charge-offs | -150.0000% | 5,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4556% | 2,248 |
| Assets per employee ($millions) | 3.9993% | 3,868 |
| Cash dividends to net income (ytd only)* | 40.6886% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 5,896 |
| Loan loss allowance to noncurrent loans | 108.1600% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.4513% | 2,570 |
| Noncurrent loans to loans | 0.8399% | 3,879 |
| Net loans and leases to total assets | 76.8253% | 973 |
| Net loans and leases to deposits | 87.6251% | 1,506 |
| Net loans and leases to core deposits | 94.2376% | 1,585 |
| Total domestic deposits to total assets | 87.6750% | 2,382 |
| Equity capital to assets | 9.0088% | 5,026 |
| Core capital (leverage) ratio | 9.0775% | 4,892 |
| Tier 1 risk-based capital ratio | 11.6843% | 5,810 |
| Total risk-based capital ratio | 12.5978% | 5,929 |
| Memoranda: | ||
| Average total assets | $94,501,400 | 4,880 |
| Average earning assets | $86,687,200 | 4,862 |
| Average equity | $8,422,400 | 5,233 |
| Average total loans | $72,671,200 | 4,174 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5219% | 358 |
| Cost of funding earning assets | 0.5582% | 3,178 |
| Net interest margin | 4.9637% | 340 |
| Noninterest income to average assets | 0.2960% | 5,328 |
| Noninterest expense to average assets | 3.8612% | 1,012 |
| Loan and lease loss provision to assets | 0.0184% | 4,650 |
| Net operating income to assets | 0.6572% | 4,082 |
| Return on assets (ROA) | 0.6572% | 4,214 |
| Pretax return on assets | 0.9632% | 3,635 |
| Return on Equity (ROE) | 7.3946% | 3,436 |
| Retained earnings to average equity (ytd only) | 3.2510% | 4,362 |
| Net charge-offs to loans | -0.0148% | 5,974 |
| Credit loss provision to net charge-offs | -162.5000% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7309% | 2,143 |
| Assets per employee ($millions) | 3.9854% | 3,863 |
| Cash dividends to net income (ytd only)* | 56.0349% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 6,050 |
| Loan loss allowance to noncurrent loans | 118.9381% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 1.4877% | 2,703 |
| Noncurrent loans to loans | 0.7569% | 4,335 |
| Net loans and leases to total assets | 77.3434% | 831 |
| Net loans and leases to deposits | 88.3468% | 1,332 |
| Net loans and leases to core deposits | 94.2732% | 1,543 |
| Total domestic deposits to total assets | 87.5452% | 2,386 |
| Equity capital to assets | 8.8573% | 5,349 |
| Core capital (leverage) ratio | 8.8576% | 5,312 |
| Tier 1 risk-based capital ratio | 11.4375% | 6,087 |
| Total risk-based capital ratio | 12.3447% | 6,202 |
| Memoranda: | ||
| Average total assets | $94,130,750 | 4,934 |
| Average earning assets | $86,224,250 | 4,921 |
| Average equity | $8,366,250 | 5,302 |
| Average total loans | $72,235,000 | 4,217 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4989% | 373 |
| Cost of funding earning assets | 0.5726% | 3,190 |
| Net interest margin | 4.9264% | 349 |
| Noninterest income to average assets | 0.2991% | 5,312 |
| Noninterest expense to average assets | 3.8110% | 1,077 |
| Loan and lease loss provision to assets | 0.0278% | 4,374 |
| Net operating income to assets | 0.5981% | 4,291 |
| Return on assets (ROA) | 0.5981% | 4,476 |
| Pretax return on assets | 0.9634% | 3,667 |
| Return on Equity (ROE) | 6.7219% | 3,760 |
| Retained earnings to average equity (ytd only) | 0.4801% | 5,707 |
| Net charge-offs to loans | -0.0140% | 5,852 |
| Credit loss provision to net charge-offs | -260.0000% | 5,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3594% | 2,247 |
| Assets per employee ($millions) | 3.7524% | 4,295 |
| Cash dividends to net income (ytd only)* | 92.8571% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 6,092 |
| Loan loss allowance to noncurrent loans | 91.6438% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.9230% | 2,256 |
| Noncurrent loans to loans | 0.9971% | 3,942 |
| Net loans and leases to total assets | 77.3297% | 822 |
| Net loans and leases to deposits | 88.2593% | 1,309 |
| Net loans and leases to core deposits | 94.2986% | 1,498 |
| Total domestic deposits to total assets | 87.6165% | 2,486 |
| Equity capital to assets | 8.8349% | 5,407 |
| Core capital (leverage) ratio | 8.7696% | 5,326 |
| Tier 1 risk-based capital ratio | 11.3315% | 6,183 |
| Total risk-based capital ratio | 12.2462% | 6,311 |
| Memoranda: | ||
| Average total assets | $93,624,330 | 4,971 |
| Average earning assets | $85,580,330 | 4,960 |
| Average equity | $8,331,000 | 5,355 |
| Average total loans | $71,429,670 | 4,258 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4725% | 384 |
| Cost of funding earning assets | 0.5830% | 3,270 |
| Net interest margin | 4.8895% | 344 |
| Noninterest income to average assets | 0.2352% | 5,772 |
| Noninterest expense to average assets | 3.5582% | 1,501 |
| Loan and lease loss provision to assets | 0.0513% | 3,764 |
| Net operating income to assets | 0.7228% | 3,576 |
| Return on assets (ROA) | 0.7228% | 3,714 |
| Pretax return on assets | 1.0734% | 3,056 |
| Return on Equity (ROE) | 8.0934% | 2,926 |
| Retained earnings to average equity (ytd only) | 8.0934% | 1,720 |
| Net charge-offs to loans | -0.0170% | 5,647 |
| Credit loss provision to net charge-offs | -400.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9817% | 2,927 |
| Assets per employee ($millions) | 3.8200% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 6,158 |
| Loan loss allowance to noncurrent loans | 853.8462% | 550 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 3,485 |
| Noncurrent loans to loans | 0.1103% | 6,151 |
| Net loans and leases to total assets | 73.3400% | 1,163 |
| Net loans and leases to deposits | 83.7146% | 1,628 |
| Net loans and leases to core deposits | 89.3355% | 1,773 |
| Total domestic deposits to total assets | 87.6072% | 2,565 |
| Equity capital to assets | 8.8346% | 5,682 |
| Core capital (leverage) ratio | 9.0735% | 4,762 |
| Tier 1 risk-based capital ratio | 11.9433% | 5,949 |
| Total risk-based capital ratio | 12.8861% | 6,088 |
| Memoranda: | ||
| Average total assets | $93,531,500 | 5,009 |
| Average earning assets | $85,080,000 | 5,010 |
| Average equity | $8,352,500 | 5,397 |
| Average total loans | $70,538,500 | 4,326 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8817% | 322 |
| Cost of funding earning assets | 0.6508% | 3,908 |
| Net interest margin | 5.2309% | 258 |
| Noninterest income to average assets | 0.3233% | 5,147 |
| Noninterest expense to average assets | 3.6055% | 1,595 |
| Loan and lease loss provision to assets | 0.1026% | 4,358 |
| Net operating income to assets | 0.9488% | 2,553 |
| Return on assets (ROA) | 0.9488% | 2,805 |
| Pretax return on assets | 1.4181% | 1,974 |
| Return on Equity (ROE) | 10.6918% | 1,909 |
| Retained earnings to average equity (ytd only) | 5.9301% | 2,121 |
| Net charge-offs to loans | 0.0483% | 5,240 |
| Credit loss provision to net charge-offs | 270.5882% | 894 |
| Earnings coverage of net charge-offs (x) | 40.1176% | 799 |
| Efficiency ratio | 70.3349% | 3,749 |
| Assets per employee ($millions) | 4.5782% | 2,823 |
| Cash dividends to net income (ytd only)* | 44.5358% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9251% | 6,209 |
| Loan loss allowance to noncurrent loans | 824.0506% | 540 |
| Noncurrent assets plus other real estate owned to assets | 1.4176% | 3,276 |
| Noncurrent loans to loans | 0.1123% | 6,209 |
| Net loans and leases to total assets | 76.1446% | 890 |
| Net loans and leases to deposits | 87.0761% | 1,378 |
| Net loans and leases to core deposits | 93.2111% | 1,531 |
| Total domestic deposits to total assets | 87.4459% | 2,555 |
| Equity capital to assets | 9.0297% | 5,492 |
| Core capital (leverage) ratio | 9.0951% | 4,745 |
| Tier 1 risk-based capital ratio | 11.8365% | 5,885 |
| Total risk-based capital ratio | 12.7684% | 6,058 |
| Memoranda: | ||
| Average total assets | $89,695,600 | 5,091 |
| Average earning assets | $82,357,400 | 5,058 |
| Average equity | $7,959,400 | 5,516 |
| Average total loans | $70,393,000 | 4,350 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9344% | 313 |
| Cost of funding earning assets | 0.6695% | 4,024 |
| Net interest margin | 5.2649% | 263 |
| Noninterest income to average assets | 0.2720% | 5,612 |
| Noninterest expense to average assets | 3.3860% | 2,037 |
| Loan and lease loss provision to assets | 0.0941% | 4,411 |
| Net operating income to assets | 1.0654% | 2,237 |
| Return on assets (ROA) | 1.0654% | 2,448 |
| Pretax return on assets | 1.6213% | 1,506 |
| Return on Equity (ROE) | 12.0605% | 1,612 |
| Retained earnings to average equity (ytd only) | 5.6497% | 2,923 |
| Net charge-offs to loans | 0.0322% | 5,195 |
| Credit loss provision to net charge-offs | 370.5882% | 729 |
| Earnings coverage of net charge-offs (x) | 67.5179% | 604 |
| Efficiency ratio | 66.3738% | 4,378 |
| Assets per employee ($millions) | 4.5237% | 2,875 |
| Cash dividends to net income (ytd only)* | 53.1558% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 6,331 |
| Loan loss allowance to noncurrent loans | 264.0496% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 1.6347% | 3,136 |
| Noncurrent loans to loans | 0.3477% | 5,780 |
| Net loans and leases to total assets | 76.2252% | 941 |
| Net loans and leases to deposits | 87.5444% | 1,409 |
| Net loans and leases to core deposits | 94.4751% | 1,535 |
| Total domestic deposits to total assets | 87.0703% | 2,620 |
| Equity capital to assets | 8.9860% | 5,840 |
| Core capital (leverage) ratio | 9.0050% | 5,062 |
| Tier 1 risk-based capital ratio | 11.7547% | 6,080 |
| Total risk-based capital ratio | 12.6786% | 6,240 |
| Memoranda: | ||
| Average total assets | $89,228,500 | 5,168 |
| Average earning assets | $81,848,000 | 5,118 |
| Average equity | $7,882,250 | 5,591 |
| Average total loans | $70,398,250 | 4,386 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0199% | 286 |
| Cost of funding earning assets | 0.6872% | 4,125 |
| Net interest margin | 5.3326% | 232 |
| Noninterest income to average assets | 0.2567% | 5,742 |
| Noninterest expense to average assets | 3.3373% | 2,192 |
| Loan and lease loss provision to assets | 0.0676% | 4,786 |
| Net operating income to assets | 1.1372% | 1,923 |
| Return on assets (ROA) | 1.1372% | 2,141 |
| Pretax return on assets | 1.7272% | 1,193 |
| Return on Equity (ROE) | 12.9493% | 1,376 |
| Retained earnings to average equity (ytd only) | 3.2309% | 4,459 |
| Net charge-offs to loans | -0.0057% | 6,184 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0285% | 4,719 |
| Assets per employee ($millions) | 4.5206% | 2,867 |
| Cash dividends to net income (ytd only)* | 75.0495% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8843% | 6,498 |
| Loan loss allowance to noncurrent loans | 197.1609% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.5606% | 3,366 |
| Noncurrent loans to loans | 0.4485% | 5,641 |
| Net loans and leases to total assets | 77.4798% | 784 |
| Net loans and leases to deposits | 88.6542% | 1,299 |
| Net loans and leases to core deposits | 95.9734% | 1,431 |
| Total domestic deposits to total assets | 87.3955% | 2,538 |
| Equity capital to assets | 8.7621% | 5,959 |
| Core capital (leverage) ratio | 9.0247% | 4,876 |
| Tier 1 risk-based capital ratio | 11.4745% | 6,231 |
| Total risk-based capital ratio | 12.3798% | 6,410 |
| Memoranda: | ||
| Average total assets | $88,813,330 | 5,200 |
| Average earning assets | $81,198,000 | 5,172 |
| Average equity | $7,799,670 | 5,632 |
| Average total loans | $70,663,330 | 4,401 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0456% | 288 |
| Cost of funding earning assets | 0.7029% | 4,254 |
| Net interest margin | 5.3427% | 231 |
| Noninterest income to average assets | 0.2181% | 6,050 |
| Noninterest expense to average assets | 3.2404% | 2,472 |
| Loan and lease loss provision to assets | 0.0773% | 4,430 |
| Net operating income to assets | 1.1998% | 1,734 |
| Return on assets (ROA) | 1.1998% | 1,917 |
| Pretax return on assets | 1.8406% | 995 |
| Return on Equity (ROE) | 13.6461% | 1,267 |
| Retained earnings to average equity (ytd only) | -5.9443% | 6,653 |
| Net charge-offs to loans | 0.0170% | 4,446 |
| Credit loss provision to net charge-offs | 566.6667% | 596 |
| Earnings coverage of net charge-offs (x) | 140.6667% | 258 |
| Efficiency ratio | 62.8194% | 5,135 |
| Assets per employee ($millions) | 4.3826% | 3,223 |
| Cash dividends to net income (ytd only)* | 143.5606% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 6,627 |
| Loan loss allowance to noncurrent loans | 75.4037% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.9178% | 3,025 |
| Noncurrent loans to loans | 1.1352% | 4,440 |
| Net loans and leases to total assets | 80.2090% | 388 |
| Net loans and leases to deposits | 91.8946% | 805 |
| Net loans and leases to core deposits | 99.7843% | 1,002 |
| Total domestic deposits to total assets | 87.2837% | 2,781 |
| Equity capital to assets | 8.7632% | 5,794 |
| Core capital (leverage) ratio | 8.7415% | 5,225 |
| Tier 1 risk-based capital ratio | 11.1227% | 6,482 |
| Total risk-based capital ratio | 12.0017% | 6,635 |
| Memoranda: | ||
| Average total assets | $88,014,000 | 5,269 |
| Average earning assets | $81,381,500 | 5,207 |
| Average equity | $7,738,500 | 5,678 |
| Average total loans | $70,657,000 | 4,427 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0958% | 370 |
| Cost of funding earning assets | 0.8355% | 4,580 |
| Net interest margin | 5.2603% | 258 |
| Noninterest income to average assets | 0.3150% | 5,288 |
| Noninterest expense to average assets | 3.6015% | 1,737 |
| Loan and lease loss provision to assets | 0.0234% | 6,285 |
| Net operating income to assets | 1.0619% | 1,952 |
| Return on assets (ROA) | 1.0619% | 2,096 |
| Pretax return on assets | 1.5994% | 1,198 |
| Return on Equity (ROE) | 12.1644% | 1,362 |
| Retained earnings to average equity (ytd only) | 8.2079% | 1,016 |
| Net charge-offs to loans | -0.0074% | 6,861 |
| Credit loss provision to net charge-offs | -400.0000% | 6,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9377% | 4,170 |
| Assets per employee ($millions) | 4.2084% | 3,451 |
| Cash dividends to net income (ytd only)* | 32.5248% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8423% | 6,664 |
| Loan loss allowance to noncurrent loans | 92.3676% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.5355% | 3,649 |
| Noncurrent loans to loans | 0.9119% | 4,862 |
| Net loans and leases to total assets | 78.9911% | 613 |
| Net loans and leases to deposits | 90.3970% | 1,112 |
| Net loans and leases to core deposits | 98.1056% | 1,320 |
| Total domestic deposits to total assets | 87.3825% | 2,540 |
| Equity capital to assets | 8.8213% | 5,772 |
| Core capital (leverage) ratio | 8.9810% | 4,819 |
| Tier 1 risk-based capital ratio | 11.2552% | 6,316 |
| Total risk-based capital ratio | 12.1113% | 6,508 |
| Memoranda: | ||
| Average total assets | $85,409,000 | 5,299 |
| Average earning assets | $79,710,200 | 5,240 |
| Average equity | $7,456,200 | 5,731 |
| Average total loans | $67,636,600 | 4,574 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0788% | 404 |
| Cost of funding earning assets | 0.8715% | 4,626 |
| Net interest margin | 5.2073% | 284 |
| Noninterest income to average assets | 0.2504% | 5,822 |
| Noninterest expense to average assets | 3.4944% | 1,956 |
| Loan and lease loss provision to assets | 0.0094% | 6,314 |
| Net operating income to assets | 1.0787% | 2,050 |
| Return on assets (ROA) | 1.0787% | 2,191 |
| Pretax return on assets | 1.6204% | 1,331 |
| Return on Equity (ROE) | 12.3902% | 1,441 |
| Retained earnings to average equity (ytd only) | 7.0543% | 1,942 |
| Net charge-offs to loans | -0.0060% | 6,729 |
| Credit loss provision to net charge-offs | -200.0000% | 6,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1930% | 4,278 |
| Assets per employee ($millions) | 4.1113% | 3,618 |
| Cash dividends to net income (ytd only)* | 43.0653% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 6,750 |
| Loan loss allowance to noncurrent loans | 52.4069% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 1.8509% | 3,329 |
| Noncurrent loans to loans | 1.5918% | 3,911 |
| Net loans and leases to total assets | 79.4422% | 566 |
| Net loans and leases to deposits | 91.2766% | 1,075 |
| Net loans and leases to core deposits | 97.5037% | 1,467 |
| Total domestic deposits to total assets | 87.0345% | 2,634 |
| Equity capital to assets | 8.7726% | 6,009 |
| Core capital (leverage) ratio | 8.9035% | 5,094 |
| Tier 1 risk-based capital ratio | 11.2008% | 6,430 |
| Total risk-based capital ratio | 12.0541% | 6,640 |
| Memoranda: | ||
| Average total assets | $84,667,000 | 5,363 |
| Average earning assets | $79,246,250 | 5,292 |
| Average equity | $7,371,250 | 5,792 |
| Average total loans | $66,945,000 | 4,633 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0550% | 424 |
| Cost of funding earning assets | 0.9212% | 4,513 |
| Net interest margin | 5.1338% | 316 |
| Noninterest income to average assets | 0.2354% | 5,964 |
| Noninterest expense to average assets | 3.4550% | 2,108 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0605% | 2,002 |
| Return on assets (ROA) | 1.0605% | 2,097 |
| Pretax return on assets | 1.5908% | 1,271 |
| Return on Equity (ROE) | 12.2130% | 1,433 |
| Retained earnings to average equity (ytd only) | 4.1349% | 3,564 |
| Net charge-offs to loans | -0.0211% | 6,837 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4731% | 4,427 |
| Assets per employee ($millions) | 4.0017% | 3,752 |
| Cash dividends to net income (ytd only)* | 66.1435% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 6,782 |
| Loan loss allowance to noncurrent loans | 36.7647% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 2.4573% | 2,709 |
| Noncurrent loans to loans | 2.3039% | 3,095 |
| Net loans and leases to total assets | 80.0964% | 522 |
| Net loans and leases to deposits | 92.3559% | 1,013 |
| Net loans and leases to core deposits | 98.8661% | 1,442 |
| Total domestic deposits to total assets | 86.7258% | 2,901 |
| Equity capital to assets | 8.7297% | 5,903 |
| Core capital (leverage) ratio | 8.7790% | 5,080 |
| Tier 1 risk-based capital ratio | 10.4259% | 6,814 |
| Total risk-based capital ratio | 11.2431% | 6,980 |
| Memoranda: | ||
| Average total assets | $84,110,330 | 5,419 |
| Average earning assets | $78,811,000 | 5,350 |
| Average equity | $7,303,670 | 5,836 |
| Average total loans | $66,205,000 | 4,720 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0265% | 450 |
| Cost of funding earning assets | 0.9807% | 4,347 |
| Net interest margin | 5.0458% | 347 |
| Noninterest income to average assets | 0.1901% | 6,364 |
| Noninterest expense to average assets | 3.4511% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9840% | 2,233 |
| Return on assets (ROA) | 0.9840% | 2,289 |
| Pretax return on assets | 1.4593% | 1,569 |
| Return on Equity (ROE) | 11.3619% | 1,632 |
| Retained earnings to average equity (ytd only) | 11.3619% | 833 |
| Net charge-offs to loans | -0.0122% | 6,424 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2807% | 4,198 |
| Assets per employee ($millions) | 3.9678% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 6,778 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 2.3115% | 2,935 |
| Noncurrent loans to loans | 2.1742% | 3,348 |
| Net loans and leases to total assets | 77.9739% | 731 |
| Net loans and leases to deposits | 89.8991% | 1,242 |
| Net loans and leases to core deposits | 95.2472% | 1,742 |
| Total domestic deposits to total assets | 86.7349% | 3,099 |
| Equity capital to assets | 8.8702% | 5,393 |
| Core capital (leverage) ratio | 8.8430% | 4,870 |
| Tier 1 risk-based capital ratio | 10.8840% | 6,581 |
| Total risk-based capital ratio | 11.7234% | 6,806 |
| Memoranda: | ||
| Average total assets | $84,148,000 | 5,463 |
| Average earning assets | $78,719,500 | 5,396 |
| Average equity | $7,287,500 | 5,846 |
| Average total loans | $65,365,500 | 4,794 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3734% | 402 |
| Cost of funding earning assets | 1.3182% | 3,763 |
| Net interest margin | 5.0553% | 384 |
| Noninterest income to average assets | 0.3614% | 5,218 |
| Noninterest expense to average assets | 3.4910% | 2,204 |
| Loan and lease loss provision to assets | 0.0234% | 6,888 |
| Net operating income to assets | 1.0547% | 1,857 |
| Return on assets (ROA) | 1.0547% | 1,957 |
| Pretax return on assets | 1.5778% | 1,180 |
| Return on Equity (ROE) | 12.5055% | 1,219 |
| Retained earnings to average equity (ytd only) | 9.5363% | 600 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5562% | 4,446 |
| Assets per employee ($millions) | 4.0463% | 3,690 |
| Cash dividends to net income (ytd only)* | 23.7427% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 6,795 |
| Loan loss allowance to noncurrent loans | 54.6154% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.6158% | 3,893 |
| Noncurrent loans to loans | 1.5953% | 4,104 |
| Net loans and leases to total assets | 76.0509% | 1,260 |
| Net loans and leases to deposits | 87.6409% | 1,843 |
| Net loans and leases to core deposits | 93.9423% | 2,261 |
| Total domestic deposits to total assets | 86.7756% | 2,940 |
| Equity capital to assets | 8.4545% | 5,919 |
| Core capital (leverage) ratio | 8.6085% | 5,185 |
| Tier 1 risk-based capital ratio | 10.5943% | 6,641 |
| Total risk-based capital ratio | 11.4319% | 6,860 |
| Memoranda: | ||
| Average total assets | $81,064,800 | 5,568 |
| Average earning assets | $75,861,600 | 5,487 |
| Average equity | $6,837,000 | 6,094 |
| Average total loans | $63,831,200 | 4,920 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4377% | 383 |
| Cost of funding earning assets | 1.3901% | 3,633 |
| Net interest margin | 5.0476% | 390 |
| Noninterest income to average assets | 0.3746% | 5,154 |
| Noninterest expense to average assets | 3.4694% | 2,116 |
| Loan and lease loss provision to assets | 0.0083% | 6,938 |
| Net operating income to assets | 1.0738% | 1,992 |
| Return on assets (ROA) | 1.0738% | 2,102 |
| Pretax return on assets | 1.6182% | 1,297 |
| Return on Equity (ROE) | 12.7400% | 1,333 |
| Retained earnings to average equity (ytd only) | 8.7303% | 1,149 |
| Net charge-offs to loans | -0.0231% | 7,371 |
| Credit loss provision to net charge-offs | -45.4545% | 6,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0823% | 4,452 |
| Assets per employee ($millions) | 3.9016% | 4,034 |
| Cash dividends to net income (ytd only)* | 31.4728% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 6,838 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.4317% | 4,307 |
| Noncurrent loans to loans | 1.7377% | 4,036 |
| Net loans and leases to total assets | 78.6789% | 931 |
| Net loans and leases to deposits | 91.9325% | 1,460 |
| Net loans and leases to core deposits | 97.2924% | 2,118 |
| Total domestic deposits to total assets | 85.5833% | 3,303 |
| Equity capital to assets | 8.5118% | 6,263 |
| Core capital (leverage) ratio | 8.5656% | 5,395 |
| Tier 1 risk-based capital ratio | 10.4144% | 6,823 |
| Total risk-based capital ratio | 11.2581% | 7,051 |
| Memoranda: | ||
| Average total assets | $80,088,000 | 5,659 |
| Average earning assets | $74,911,000 | 5,577 |
| Average equity | $6,750,250 | 6,200 |
| Average total loans | $63,491,500 | 5,003 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4326% | 384 |
| Cost of funding earning assets | 1.4112% | 3,805 |
| Net interest margin | 5.0213% | 403 |
| Noninterest income to average assets | 0.3901% | 4,993 |
| Noninterest expense to average assets | 3.4427% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0872% | 1,899 |
| Return on assets (ROA) | 1.0872% | 1,970 |
| Pretax return on assets | 1.6484% | 1,168 |
| Return on Equity (ROE) | 12.9425% | 1,255 |
| Retained earnings to average equity (ytd only) | 6.8607% | 1,896 |
| Net charge-offs to loans | -0.0413% | 7,415 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6223% | 4,649 |
| Assets per employee ($millions) | 3.8571% | 4,078 |
| Cash dividends to net income (ytd only)* | 46.9907% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 6,833 |
| Loan loss allowance to noncurrent loans | 56.0878% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 1.2371% | 4,673 |
| Noncurrent loans to loans | 1.5620% | 4,366 |
| Net loans and leases to total assets | 78.5022% | 1,028 |
| Net loans and leases to deposits | 90.6830% | 1,743 |
| Net loans and leases to core deposits | 97.9361% | 2,237 |
| Total domestic deposits to total assets | 86.5677% | 2,778 |
| Equity capital to assets | 8.3470% | 6,364 |
| Core capital (leverage) ratio | 8.4691% | 5,464 |
| Tier 1 risk-based capital ratio | 10.1859% | 6,923 |
| Total risk-based capital ratio | 11.0326% | 7,126 |
| Memoranda: | ||
| Average total assets | $79,473,000 | 5,714 |
| Average earning assets | $74,402,670 | 5,627 |
| Average equity | $6,675,670 | 6,244 |
| Average total loans | $62,979,000 | 5,059 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5130% | 349 |
| Cost of funding earning assets | 1.4510% | 3,874 |
| Net interest margin | 5.0620% | 369 |
| Noninterest income to average assets | 0.3507% | 5,334 |
| Noninterest expense to average assets | 3.5116% | 1,952 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0266% | 2,084 |
| Return on assets (ROA) | 1.0266% | 2,146 |
| Pretax return on assets | 1.5551% | 1,378 |
| Return on Equity (ROE) | 12.1815% | 1,446 |
| Retained earnings to average equity (ytd only) | 12.1815% | 719 |
| Net charge-offs to loans | -0.0256% | 7,143 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3079% | 4,443 |
| Assets per employee ($millions) | 3.7342% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 6,864 |
| Loan loss allowance to noncurrent loans | 66.4663% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.0610% | 5,025 |
| Noncurrent loans to loans | 1.3401% | 4,739 |
| Net loans and leases to total assets | 78.4654% | 1,068 |
| Net loans and leases to deposits | 90.9482% | 1,769 |
| Net loans and leases to core deposits | 98.5600% | 2,285 |
| Total domestic deposits to total assets | 86.2748% | 2,997 |
| Equity capital to assets | 8.5873% | 5,886 |
| Core capital (leverage) ratio | 8.6203% | 5,174 |
| Tier 1 risk-based capital ratio | 10.4912% | 6,639 |
| Total risk-based capital ratio | 11.3528% | 6,952 |
| Memoranda: | ||
| Average total assets | $78,710,000 | 5,802 |
| Average earning assets | $73,330,500 | 5,734 |
| Average equity | $6,633,000 | 6,308 |
| Average total loans | $62,394,500 | 5,159 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8778% | 333 |
| Cost of funding earning assets | 1.8207% | 3,880 |
| Net interest margin | 5.0571% | 405 |
| Noninterest income to average assets | 0.3377% | 5,674 |
| Noninterest expense to average assets | 3.6699% | 1,980 |
| Loan and lease loss provision to assets | 0.2407% | 5,454 |
| Net operating income to assets | 0.8005% | 2,537 |
| Return on assets (ROA) | 0.8005% | 2,620 |
| Pretax return on assets | 1.1582% | 2,072 |
| Return on Equity (ROE) | 9.5616% | 1,834 |
| Retained earnings to average equity (ytd only) | 6.4644% | 1,165 |
| Net charge-offs to loans | 0.2717% | 4,920 |
| Credit loss provision to net charge-offs | 110.3659% | 4,985 |
| Earnings coverage of net charge-offs (x) | 6.4146% | 2,370 |
| Efficiency ratio | 72.4029% | 4,197 |
| Assets per employee ($millions) | 3.5910% | 4,804 |
| Cash dividends to net income (ytd only)* | 32.3920% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 6,902 |
| Loan loss allowance to noncurrent loans | 513.0841% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 7,141 |
| Noncurrent loans to loans | 0.1706% | 6,996 |
| Net loans and leases to total assets | 78.6765% | 1,253 |
| Net loans and leases to deposits | 90.8607% | 2,072 |
| Net loans and leases to core deposits | 110.1022% | 2,881 |
| Total domestic deposits to total assets | 86.5902% | 2,707 |
| Equity capital to assets | 8.2681% | 6,244 |
| Core capital (leverage) ratio | 8.4080% | 5,420 |
| Tier 1 risk-based capital ratio | 10.1488% | 6,741 |
| Total risk-based capital ratio | 11.0018% | 7,045 |
| Memoranda: | ||
| Average total assets | $75,205,400 | 5,864 |
| Average earning assets | $70,357,200 | 5,802 |
| Average equity | $6,296,000 | 6,499 |
| Average total loans | $60,353,600 | 5,238 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8758% | 369 |
| Cost of funding earning assets | 1.9001% | 3,892 |
| Net interest margin | 4.9757% | 467 |
| Noninterest income to average assets | 0.3286% | 5,857 |
| Noninterest expense to average assets | 3.6647% | 1,902 |
| Loan and lease loss provision to assets | 0.1508% | 5,839 |
| Net operating income to assets | 0.8098% | 2,771 |
| Return on assets (ROA) | 0.8098% | 2,834 |
| Pretax return on assets | 1.1868% | 2,308 |
| Return on Equity (ROE) | 9.6412% | 2,052 |
| Retained earnings to average equity (ytd only) | 5.4725% | 2,220 |
| Net charge-offs to loans | 0.1562% | 5,147 |
| Credit loss provision to net charge-offs | 120.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | 10.6430% | 1,940 |
| Efficiency ratio | 73.2592% | 4,004 |
| Assets per employee ($millions) | 3.4744% | 4,991 |
| Cash dividends to net income (ytd only)* | 43.2365% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 6,862 |
| Loan loss allowance to noncurrent loans | 120.5298% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5926% | 5,971 |
| Noncurrent loans to loans | 0.7266% | 5,852 |
| Net loans and leases to total assets | 80.8535% | 1,007 |
| Net loans and leases to deposits | 93.8869% | 1,899 |
| Net loans and leases to core deposits | 112.3693% | 2,984 |
| Total domestic deposits to total assets | 86.1180% | 2,640 |
| Equity capital to assets | 8.3481% | 6,447 |
| Core capital (leverage) ratio | 8.4804% | 5,531 |
| Tier 1 risk-based capital ratio | 10.0187% | 6,960 |
| Total risk-based capital ratio | 10.8759% | 7,252 |
| Memoranda: | ||
| Average total assets | $74,256,250 | 5,926 |
| Average earning assets | $69,750,000 | 5,854 |
| Average equity | $6,237,000 | 6,582 |
| Average total loans | $59,765,750 | 5,299 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8349% | 422 |
| Cost of funding earning assets | 1.9985% | 3,782 |
| Net interest margin | 4.8364% | 616 |
| Noninterest income to average assets | 0.3128% | 6,007 |
| Noninterest expense to average assets | 3.6448% | 1,961 |
| Loan and lease loss provision to assets | 0.1387% | 5,685 |
| Net operating income to assets | 0.7317% | 3,130 |
| Return on assets (ROA) | 0.7317% | 3,234 |
| Pretax return on assets | 1.0581% | 2,782 |
| Return on Equity (ROE) | 8.6928% | 2,468 |
| Retained earnings to average equity (ytd only) | 2.3913% | 4,000 |
| Net charge-offs to loans | 0.1392% | 4,779 |
| Credit loss provision to net charge-offs | 124.3902% | 3,742 |
| Earnings coverage of net charge-offs (x) | 10.7317% | 1,968 |
| Efficiency ratio | 75.2809% | 3,831 |
| Assets per employee ($millions) | 3.3701% | 5,136 |
| Cash dividends to net income (ytd only)* | 72.4907% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 6,728 |
| Loan loss allowance to noncurrent loans | 80.4154% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.9091% | 5,161 |
| Noncurrent loans to loans | 1.1296% | 4,960 |
| Net loans and leases to total assets | 79.7432% | 1,354 |
| Net loans and leases to deposits | 93.1835% | 2,238 |
| Net loans and leases to core deposits | 109.0265% | 3,491 |
| Total domestic deposits to total assets | 85.5765% | 2,978 |
| Equity capital to assets | 8.3609% | 6,253 |
| Core capital (leverage) ratio | 8.4071% | 5,601 |
| Tier 1 risk-based capital ratio | 10.3453% | 6,539 |
| Total risk-based capital ratio | 11.2498% | 6,856 |
| Memoranda: | ||
| Average total assets | $73,529,330 | 5,987 |
| Average earning assets | $68,852,670 | 5,927 |
| Average equity | $6,189,000 | 6,650 |
| Average total loans | $58,905,000 | 5,385 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8476% | 446 |
| Cost of funding earning assets | 2.0953% | 3,680 |
| Net interest margin | 4.7524% | 681 |
| Noninterest income to average assets | 0.2458% | 6,492 |
| Noninterest expense to average assets | 3.6382% | 1,776 |
| Loan and lease loss provision to assets | 0.1147% | 5,497 |
| Net operating income to assets | 0.6446% | 3,814 |
| Return on assets (ROA) | 0.6446% | 3,996 |
| Pretax return on assets | 0.9287% | 3,607 |
| Return on Equity (ROE) | 7.6326% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.6326% | 1,961 |
| Net charge-offs to loans | 0.1299% | 3,924 |
| Credit loss provision to net charge-offs | 110.5263% | 3,488 |
| Earnings coverage of net charge-offs (x) | 10.0526% | 1,984 |
| Efficiency ratio | 77.7130% | 3,218 |
| Assets per employee ($millions) | 3.3326% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 6,685 |
| Loan loss allowance to noncurrent loans | 82.0276% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.8879% | 4,975 |
| Noncurrent loans to loans | 1.1123% | 4,756 |
| Net loans and leases to total assets | 79.1003% | 1,560 |
| Net loans and leases to deposits | 92.7429% | 2,477 |
| Net loans and leases to core deposits | 105.9793% | 3,920 |
| Total domestic deposits to total assets | 85.2899% | 3,067 |
| Equity capital to assets | 8.5151% | 6,054 |
| Core capital (leverage) ratio | 8.6270% | 5,286 |
| Tier 1 risk-based capital ratio | 10.5728% | 6,318 |
| Total risk-based capital ratio | 11.4771% | 6,599 |
| Memoranda: | ||
| Average total assets | $73,222,500 | 6,022 |
| Average earning assets | $68,345,000 | 5,969 |
| Average equity | $6,184,000 | 6,694 |
| Average total loans | $58,524,500 | 5,426 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4554% | 449 |
| Cost of funding earning assets | 2.6800% | 3,257 |
| Net interest margin | 4.7754% | 820 |
| Noninterest income to average assets | 0.3467% | 5,965 |
| Noninterest expense to average assets | 3.6023% | 2,137 |
| Loan and lease loss provision to assets | 0.1008% | 6,092 |
| Net operating income to assets | 0.7293% | 3,758 |
| Return on assets (ROA) | 0.7293% | 3,593 |
| Pretax return on assets | 1.0884% | 3,062 |
| Return on Equity (ROE) | 8.8997% | 2,676 |
| Retained earnings to average equity (ytd only) | 5.7814% | 1,629 |
| Net charge-offs to loans | 0.0543% | 6,010 |
| Credit loss provision to net charge-offs | 235.4839% | 2,015 |
| Earnings coverage of net charge-offs (x) | 27.7742% | 1,233 |
| Efficiency ratio | 75.1802% | 3,375 |
| Assets per employee ($millions) | 3.3240% | 5,155 |
| Cash dividends to net income (ytd only)* | 35.0379% | 3,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 6,625 |
| Loan loss allowance to noncurrent loans | 78.1204% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 4,500 |
| Noncurrent loans to loans | 1.1637% | 4,200 |
| Net loans and leases to total assets | 79.2979% | 1,816 |
| Net loans and leases to deposits | 93.6197% | 2,832 |
| Net loans and leases to core deposits | 106.3843% | 4,151 |
| Total domestic deposits to total assets | 84.7022% | 2,977 |
| Equity capital to assets | 8.3757% | 6,304 |
| Core capital (leverage) ratio | 8.4326% | 5,693 |
| Tier 1 risk-based capital ratio | 10.3836% | 6,329 |
| Total risk-based capital ratio | 11.2855% | 6,573 |
| Memoranda: | ||
| Average total assets | $72,398,600 | 5,951 |
| Average earning assets | $67,387,400 | 5,913 |
| Average equity | $5,932,800 | 6,832 |
| Average total loans | $57,096,800 | 5,404 |