Home > Guthrie County State Bank > Performance and Condition Ratios
Guthrie County 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 | 4.9782% | 2,116 |
| Cost of funding earning assets | 2.6702% | 265 |
| Net interest margin | 2.3080% | 4,256 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.9609% | 3,711 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4622% | 3,743 |
| Return on assets (ROA) | 0.4772% | 3,716 |
| Pretax return on assets | 0.5054% | 3,796 |
| Return on Equity (ROE) | 6.2700% | 3,468 |
| Retained earnings to average equity (ytd only) | 4.1926% | 2,894 |
| Net charge-offs to loans | -0.0138% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.9581% | 992 |
| Assets per employee ($millions) | 12.6919% | 353 |
| Cash dividends to net income (ytd only)* | 33.1695% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,165 |
| Loan loss allowance to noncurrent loans | 9,856.2500% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,762 |
| Noncurrent loans to loans | 0.0124% | 3,663 |
| Net loans and leases to total assets | 47.8400% | 3,735 |
| Net loans and leases to deposits | 61.9560% | 3,409 |
| Net loans and leases to core deposits | 77.6973% | 2,865 |
| Total domestic deposits to total assets | 77.2200% | 3,824 |
| Equity capital to assets | 8.3053% | 3,193 |
| Core capital (leverage) ratio | 12.6175% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4252% | 742 |
| Memoranda: | ||
| Average total assets | $255,849,600 | 2,646 |
| Average earning assets | $238,301,200 | 2,637 |
| Average equity | $19,463,000 | 2,908 |
| Average total loans | $122,962,000 | 2,924 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8020% | 2,260 |
| Cost of funding earning assets | 2.5930% | 240 |
| Net interest margin | 2.2090% | 4,350 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.0196% | 3,544 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3272% | 4,086 |
| Return on assets (ROA) | 0.3355% | 4,079 |
| Pretax return on assets | 0.3639% | 4,101 |
| Return on Equity (ROE) | 4.5200% | 3,893 |
| Retained earnings to average equity (ytd only) | 2.7312% | 3,574 |
| Net charge-offs to loans | -0.0132% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.0272% | 614 |
| Assets per employee ($millions) | 10.8632% | 519 |
| Cash dividends to net income (ytd only)* | 39.5604% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,188 |
| Loan loss allowance to noncurrent loans | 3,025.4902% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,622 |
| Noncurrent loans to loans | 0.0408% | 3,473 |
| Net loans and leases to total assets | 49.3600% | 3,663 |
| Net loans and leases to deposits | 64.1603% | 3,257 |
| Net loans and leases to core deposits | 82.2649% | 2,449 |
| Total domestic deposits to total assets | 76.9300% | 3,934 |
| Equity capital to assets | 6.4958% | 3,833 |
| Core capital (leverage) ratio | 12.5145% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7578% | 850 |
| Memoranda: | ||
| Average total assets | $253,179,750 | 2,672 |
| Average earning assets | $236,480,250 | 2,656 |
| Average equity | $18,794,750 | 2,949 |
| Average total loans | $121,431,750 | 2,937 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 2,408 |
| Cost of funding earning assets | 2.4237% | 219 |
| Net interest margin | 2.1815% | 4,438 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.0025% | 3,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3714% | 4,048 |
| Return on assets (ROA) | 0.3838% | 4,043 |
| Pretax return on assets | 0.4121% | 4,104 |
| Return on Equity (ROE) | 4.9700% | 3,878 |
| Retained earnings to average equity (ytd only) | 3.5217% | 3,341 |
| Net charge-offs to loans | -0.0133% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.3934% | 632 |
| Assets per employee ($millions) | 11.6898% | 410 |
| Cash dividends to net income (ytd only)* | 29.0984% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,396 |
| Loan loss allowance to noncurrent loans | 2,798.1132% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 3,622 |
| Noncurrent loans to loans | 0.0432% | 3,415 |
| Net loans and leases to total assets | 47.1300% | 3,734 |
| Net loans and leases to deposits | 60.5613% | 3,388 |
| Net loans and leases to core deposits | 76.8419% | 2,701 |
| Total domestic deposits to total assets | 77.8200% | 3,869 |
| Equity capital to assets | 7.8351% | 3,327 |
| Core capital (leverage) ratio | 12.4235% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9687% | 723 |
| Memoranda: | ||
| Average total assets | $254,288,333 | 2,666 |
| Average earning assets | $237,821,000 | 2,651 |
| Average equity | $19,649,667 | 2,894 |
| Average total loans | $120,288,000 | 2,945 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 2,280 |
| Cost of funding earning assets | 2.1840% | 203 |
| Net interest margin | 2.3327% | 4,430 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.0186% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4588% | 3,985 |
| Return on assets (ROA) | 0.5189% | 3,810 |
| Pretax return on assets | 0.5490% | 3,922 |
| Return on Equity (ROE) | 6.7600% | 3,573 |
| Retained earnings to average equity (ytd only) | 4.9486% | 3,029 |
| Net charge-offs to loans | -0.0134% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.6064% | 786 |
| Assets per employee ($millions) | 10.9783% | 510 |
| Cash dividends to net income (ytd only)* | 26.8293% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,326 |
| Loan loss allowance to noncurrent loans | 29,600.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,905 |
| Noncurrent loans to loans | 0.0042% | 3,823 |
| Net loans and leases to total assets | 46.6200% | 3,741 |
| Net loans and leases to deposits | 58.4260% | 3,431 |
| Net loans and leases to core deposits | 73.9715% | 2,677 |
| Total domestic deposits to total assets | 79.8000% | 3,789 |
| Equity capital to assets | 8.1120% | 3,164 |
| Core capital (leverage) ratio | 12.4340% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0823% | 737 |
| Memoranda: | ||
| Average total assets | $252,845,000 | 2,713 |
| Average earning assets | $236,633,500 | 2,688 |
| Average equity | $19,399,500 | 2,942 |
| Average total loans | $119,088,000 | 2,989 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 1,415 |
| Cost of funding earning assets | 0.8269% | 357 |
| Net interest margin | 3.2992% | 2,565 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.9291% | 3,772 |
| Loan and lease loss provision to assets | -0.1500% | 4,601 |
| Net operating income to assets | 1.6264% | 645 |
| Return on assets (ROA) | 0.6769% | 3,633 |
| Pretax return on assets | 0.7051% | 3,835 |
| Return on Equity (ROE) | 8.3900% | 3,287 |
| Retained earnings to average equity (ytd only) | 3.2430% | 3,646 |
| Net charge-offs to loans | -0.4521% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.6039% | 3,618 |
| Assets per employee ($millions) | 11.5085% | 448 |
| Cash dividends to net income (ytd only)* | 61.3623% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 2,197 |
| Loan loss allowance to noncurrent loans | 21,071.4286% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,913 |
| Noncurrent loans to loans | 0.0059% | 3,830 |
| Net loans and leases to total assets | 46.4100% | 3,777 |
| Net loans and leases to deposits | 57.0519% | 3,510 |
| Net loans and leases to core deposits | 107.0655% | 707 |
| Total domestic deposits to total assets | 81.3400% | 3,717 |
| Equity capital to assets | 7.2342% | 3,532 |
| Core capital (leverage) ratio | 12.1602% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3086% | 793 |
| Memoranda: | ||
| Average total assets | $245,085,800 | 2,756 |
| Average earning assets | $228,571,800 | 2,748 |
| Average equity | $19,765,600 | 2,972 |
| Average total loans | $107,939,600 | 3,046 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 1,549 |
| Cost of funding earning assets | 0.5351% | 621 |
| Net interest margin | 3.3370% | 2,178 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.8749% | 3,807 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4714% | 907 |
| Return on assets (ROA) | 1.1421% | 1,892 |
| Pretax return on assets | 1.2013% | 2,361 |
| Return on Equity (ROE) | 13.7900% | 1,485 |
| Retained earnings to average equity (ytd only) | 10.6781% | 1,141 |
| Net charge-offs to loans | -0.0165% | 3,915 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.6073% | 3,854 |
| Assets per employee ($millions) | 11.4960% | 447 |
| Cash dividends to net income (ytd only)* | 22.5744% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,056 |
| Loan loss allowance to noncurrent loans | 18,912.5000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 3,992 |
| Noncurrent loans to loans | 0.0068% | 3,903 |
| Net loans and leases to total assets | 43.6400% | 3,899 |
| Net loans and leases to deposits | 54.1150% | 3,595 |
| Net loans and leases to core deposits | 72.7230% | 2,436 |
| Total domestic deposits to total assets | 80.6400% | 4,035 |
| Equity capital to assets | 5.6167% | 4,094 |
| Core capital (leverage) ratio | 12.0411% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8045% | 1,024 |
| Memoranda: | ||
| Average total assets | $243,060,250 | 2,790 |
| Average earning assets | $226,506,000 | 2,779 |
| Average equity | $20,128,000 | 2,982 |
| Average total loans | $105,181,000 | 3,094 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7443% | 1,432 |
| Cost of funding earning assets | 0.3461% | 1,305 |
| Net interest margin | 3.3982% | 1,614 |
| Noninterest income to average assets | 0.4315% | 2,562 |
| Noninterest expense to average assets | 1.8403% | 3,854 |
| Loan and lease loss provision to assets | 0.0899% | 1,100 |
| Net operating income to assets | 1.6100% | 536 |
| Return on assets (ROA) | 1.3537% | 996 |
| Pretax return on assets | 1.4139% | 1,397 |
| Return on Equity (ROE) | 14.5931% | 980 |
| Retained earnings to average equity (ytd only) | 11.6690% | 663 |
| Net charge-offs to loans | -0.0059% | 3,399 |
| Credit loss provision to net charge-offs | -3,533.3333% | 3,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9624% | 4,192 |
| Assets per employee ($millions) | 11.6326% | 417 |
| Cash dividends to net income (ytd only)* | 20.0376% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 1,875 |
| Loan loss allowance to noncurrent loans | 846.5517% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 3,328 |
| Noncurrent loans to loans | 0.1621% | 2,885 |
| Net loans and leases to total assets | 39.5587% | 4,092 |
| Net loans and leases to deposits | 47.0193% | 3,983 |
| Net loans and leases to core deposits | 66.0326% | 2,815 |
| Total domestic deposits to total assets | 84.1330% | 3,668 |
| Equity capital to assets | 7.4233% | 3,517 |
| Core capital (leverage) ratio | 12.1212% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7087% | 641 |
| Memoranda: | ||
| Average total assets | $235,944,667 | 2,851 |
| Average earning assets | $220,763,000 | 2,845 |
| Average equity | $21,887,000 | 2,907 |
| Average total loans | $101,276,000 | 3,165 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7836% | 1,112 |
| Cost of funding earning assets | 0.2147% | 2,600 |
| Net interest margin | 3.5689% | 946 |
| Noninterest income to average assets | 0.5215% | 2,035 |
| Noninterest expense to average assets | 1.9097% | 3,662 |
| Loan and lease loss provision to assets | 0.0818% | 1,001 |
| Net operating income to assets | 1.8245% | 313 |
| Return on assets (ROA) | 1.8915% | 278 |
| Pretax return on assets | 1.9515% | 402 |
| Return on Equity (ROE) | 18.1834% | 323 |
| Retained earnings to average equity (ytd only) | 15.2140% | 274 |
| Net charge-offs to loans | -0.0122% | 3,665 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2964% | 4,345 |
| Assets per employee ($millions) | 10.6877% | 560 |
| Cash dividends to net income (ytd only)* | 16.3305% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 1,803 |
| Loan loss allowance to noncurrent loans | 806.8571% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,374 |
| Noncurrent loans to loans | 0.1770% | 2,935 |
| Net loans and leases to total assets | 37.9873% | 4,118 |
| Net loans and leases to deposits | 47.8764% | 3,875 |
| Net loans and leases to core deposits | 61.9802% | 2,972 |
| Total domestic deposits to total assets | 79.3446% | 4,327 |
| Equity capital to assets | 10.1718% | 1,775 |
| Core capital (leverage) ratio | 14.9222% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5257% | 692 |
| Memoranda: | ||
| Average total assets | $220,142,500 | 2,964 |
| Average earning assets | $206,786,500 | 2,953 |
| Average equity | $22,900,000 | 2,915 |
| Average total loans | $98,258,000 | 3,211 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 1,417 |
| Cost of funding earning assets | 0.2271% | 3,174 |
| Net interest margin | 3.7497% | 1,103 |
| Noninterest income to average assets | 0.5171% | 2,494 |
| Noninterest expense to average assets | 2.5615% | 1,986 |
| Loan and lease loss provision to assets | 0.0146% | 2,793 |
| Net operating income to assets | 1.3643% | 1,399 |
| Return on assets (ROA) | 1.4743% | 1,129 |
| Pretax return on assets | 1.5465% | 1,580 |
| Return on Equity (ROE) | 13.4413% | 1,334 |
| Retained earnings to average equity (ytd only) | 10.8667% | 731 |
| Net charge-offs to loans | 0.0210% | 1,849 |
| Credit loss provision to net charge-offs | 131.5789% | 1,568 |
| Earnings coverage of net charge-offs (x) | 130.6316% | 737 |
| Efficiency ratio | 63.9297% | 2,578 |
| Assets per employee ($millions) | 7.9905% | 1,340 |
| Cash dividends to net income (ytd only)* | 19.1548% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 1,936 |
| Loan loss allowance to noncurrent loans | 783.9080% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 3,274 |
| Noncurrent loans to loans | 0.1782% | 3,052 |
| Net loans and leases to total assets | 52.3999% | 3,014 |
| Net loans and leases to deposits | 69.6899% | 2,163 |
| Net loans and leases to core deposits | 70.3112% | 2,413 |
| Total domestic deposits to total assets | 75.1900% | 4,547 |
| Equity capital to assets | 10.7242% | 1,997 |
| Core capital (leverage) ratio | 10.1479% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8254% | 1,574 |
| Memoranda: | ||
| Average total assets | $171,738,600 | 3,285 |
| Average earning assets | $159,824,600 | 3,280 |
| Average equity | $18,837,400 | 3,312 |
| Average total loans | $90,601,200 | 3,330 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 1,864 |
| Cost of funding earning assets | 0.2394% | 3,216 |
| Net interest margin | 3.6285% | 1,532 |
| Noninterest income to average assets | 0.5381% | 2,464 |
| Noninterest expense to average assets | 2.5215% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3388% | 1,721 |
| Return on assets (ROA) | 1.4737% | 1,380 |
| Pretax return on assets | 1.5211% | 1,937 |
| Return on Equity (ROE) | 13.3548% | 1,595 |
| Retained earnings to average equity (ytd only) | 13.3548% | 588 |
| Net charge-offs to loans | 0.0435% | 1,237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 60.3103% | 1,136 |
| Efficiency ratio | 64.5951% | 2,302 |
| Assets per employee ($millions) | 7.0710% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 1,995 |
| Loan loss allowance to noncurrent loans | 595.9641% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 3,273 |
| Noncurrent loans to loans | 0.2363% | 2,991 |
| Net loans and leases to total assets | 52.6384% | 3,125 |
| Net loans and leases to deposits | 66.2806% | 2,604 |
| Net loans and leases to core deposits | 66.8612% | 2,875 |
| Total domestic deposits to total assets | 79.4175% | 4,305 |
| Equity capital to assets | 10.9449% | 2,060 |
| Core capital (leverage) ratio | 10.2439% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9807% | 1,354 |
| Memoranda: | ||
| Average total assets | $168,728,000 | 3,348 |
| Average earning assets | $156,498,000 | 3,344 |
| Average equity | $18,619,500 | 3,375 |
| Average total loans | $88,835,250 | 3,397 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 2,052 |
| Cost of funding earning assets | 0.2512% | 3,274 |
| Net interest margin | 3.5563% | 1,691 |
| Noninterest income to average assets | 0.6047% | 2,197 |
| Noninterest expense to average assets | 2.4210% | 2,395 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4449% | 1,428 |
| Return on assets (ROA) | 1.4695% | 1,437 |
| Pretax return on assets | 1.5177% | 1,966 |
| Return on Equity (ROE) | 13.2777% | 1,630 |
| Retained earnings to average equity (ytd only) | 13.2777% | 673 |
| Net charge-offs to loans | 0.0897% | 796 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 31.7692% | 1,279 |
| Efficiency ratio | 61.8652% | 2,747 |
| Assets per employee ($millions) | 7.2443% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 1,798 |
| Loan loss allowance to noncurrent loans | 643.4146% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 3,414 |
| Noncurrent loans to loans | 0.2242% | 3,158 |
| Net loans and leases to total assets | 54.0812% | 3,123 |
| Net loans and leases to deposits | 68.2665% | 2,591 |
| Net loans and leases to core deposits | 68.9012% | 2,872 |
| Total domestic deposits to total assets | 79.2207% | 4,320 |
| Equity capital to assets | 11.4669% | 1,655 |
| Core capital (leverage) ratio | 9.9010% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9866% | 1,340 |
| Memoranda: | ||
| Average total assets | $166,045,333 | 3,375 |
| Average earning assets | $154,487,333 | 3,370 |
| Average equity | $18,376,667 | 3,395 |
| Average total loans | $86,986,667 | 3,442 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 1,888 |
| Cost of funding earning assets | 0.2576% | 3,401 |
| Net interest margin | 3.6194% | 1,532 |
| Noninterest income to average assets | 0.7626% | 1,678 |
| Noninterest expense to average assets | 2.4831% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5924% | 1,141 |
| Return on assets (ROA) | 1.7399% | 931 |
| Pretax return on assets | 1.7881% | 1,312 |
| Return on Equity (ROE) | 16.0115% | 1,012 |
| Retained earnings to average equity (ytd only) | 16.0115% | 520 |
| Net charge-offs to loans | 0.0661% | 880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 48.4286% | 914 |
| Efficiency ratio | 60.2812% | 2,999 |
| Assets per employee ($millions) | 7.3665% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5772% | 1,354 |
| Loan loss allowance to noncurrent loans | 855.4140% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 3,727 |
| Noncurrent loans to loans | 0.1844% | 3,444 |
| Net loans and leases to total assets | 49.4653% | 3,679 |
| Net loans and leases to deposits | 60.1484% | 3,469 |
| Net loans and leases to core deposits | 60.7933% | 3,655 |
| Total domestic deposits to total assets | 82.2387% | 3,844 |
| Equity capital to assets | 10.5223% | 2,252 |
| Core capital (leverage) ratio | 9.9131% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6226% | 1,400 |
| Memoranda: | ||
| Average total assets | $165,759,000 | 3,379 |
| Average earning assets | $153,726,500 | 3,378 |
| Average equity | $18,012,000 | 3,418 |
| Average total loans | $84,766,000 | 3,483 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 1,975 |
| Cost of funding earning assets | 0.4320% | 3,393 |
| Net interest margin | 3.8301% | 1,419 |
| Noninterest income to average assets | 0.5252% | 2,528 |
| Noninterest expense to average assets | 2.7899% | 1,967 |
| Loan and lease loss provision to assets | 0.1159% | 2,903 |
| Net operating income to assets | 1.0671% | 2,041 |
| Return on assets (ROA) | 1.1629% | 1,790 |
| Pretax return on assets | 1.2280% | 2,234 |
| Return on Equity (ROE) | 10.3465% | 1,867 |
| Retained earnings to average equity (ytd only) | 7.4183% | 1,227 |
| Net charge-offs to loans | 0.0177% | 2,738 |
| Credit loss provision to net charge-offs | 1,126.6667% | 713 |
| Earnings coverage of net charge-offs (x) | 120.8667% | 703 |
| Efficiency ratio | 69.1772% | 2,071 |
| Assets per employee ($millions) | 7.0473% | 1,550 |
| Cash dividends to net income (ytd only)* | 28.3019% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 1,275 |
| Loan loss allowance to noncurrent loans | 717.9894% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 3,708 |
| Noncurrent loans to loans | 0.2240% | 3,400 |
| Net loans and leases to total assets | 51.2209% | 3,731 |
| Net loans and leases to deposits | 62.9129% | 3,527 |
| Net loans and leases to core deposits | 63.6240% | 3,719 |
| Total domestic deposits to total assets | 81.4157% | 3,782 |
| Equity capital to assets | 11.2260% | 2,076 |
| Core capital (leverage) ratio | 9.5862% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8273% | 1,912 |
| Memoranda: | ||
| Average total assets | $145,846,000 | 3,447 |
| Average earning assets | $133,575,000 | 3,461 |
| Average equity | $16,392,000 | 3,511 |
| Average total loans | $84,730,200 | 3,486 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4935% | 1,589 |
| Cost of funding earning assets | 0.4763% | 3,386 |
| Net interest margin | 4.0172% | 1,075 |
| Noninterest income to average assets | 0.5087% | 2,579 |
| Noninterest expense to average assets | 2.8277% | 1,891 |
| Loan and lease loss provision to assets | 0.1587% | 2,420 |
| Net operating income to assets | 1.1544% | 1,807 |
| Return on assets (ROA) | 1.2930% | 1,473 |
| Pretax return on assets | 1.3372% | 1,916 |
| Return on Equity (ROE) | 11.5005% | 1,514 |
| Retained earnings to average equity (ytd only) | 9.2924% | 913 |
| Net charge-offs to loans | -0.0912% | 4,806 |
| Credit loss provision to net charge-offs | -291.3793% | 3,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6338% | 2,236 |
| Assets per employee ($millions) | 6.7495% | 1,653 |
| Cash dividends to net income (ytd only)* | 19.2000% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 1,078 |
| Loan loss allowance to noncurrent loans | 641.7040% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 3,700 |
| Noncurrent loans to loans | 0.2506% | 3,404 |
| Net loans and leases to total assets | 54.0540% | 3,800 |
| Net loans and leases to deposits | 67.6559% | 3,494 |
| Net loans and leases to core deposits | 68.3003% | 3,743 |
| Total domestic deposits to total assets | 79.8954% | 3,887 |
| Equity capital to assets | 10.7088% | 2,615 |
| Core capital (leverage) ratio | 9.7390% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6433% | 1,339 |
| Memoranda: | ||
| Average total assets | $141,785,500 | 3,474 |
| Average earning assets | $129,606,250 | 3,501 |
| Average equity | $15,941,000 | 3,557 |
| Average total loans | $84,817,750 | 3,503 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7713% | 1,238 |
| Cost of funding earning assets | 0.5345% | 3,322 |
| Net interest margin | 4.2368% | 846 |
| Noninterest income to average assets | 0.5213% | 2,485 |
| Noninterest expense to average assets | 2.9574% | 1,694 |
| Loan and lease loss provision to assets | 0.2503% | 1,679 |
| Net operating income to assets | 1.1367% | 1,851 |
| Return on assets (ROA) | 1.3550% | 1,305 |
| Pretax return on assets | 1.4009% | 1,724 |
| Return on Equity (ROE) | 11.8276% | 1,374 |
| Retained earnings to average equity (ytd only) | 9.4750% | 884 |
| Net charge-offs to loans | -0.0455% | 4,660 |
| Credit loss provision to net charge-offs | -889.4737% | 3,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4662% | 2,312 |
| Assets per employee ($millions) | 6.2744% | 1,973 |
| Cash dividends to net income (ytd only)* | 19.8907% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 1,090 |
| Loan loss allowance to noncurrent loans | 626.5766% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 3,783 |
| Noncurrent loans to loans | 0.2498% | 3,484 |
| Net loans and leases to total assets | 55.7654% | 3,709 |
| Net loans and leases to deposits | 69.4098% | 3,471 |
| Net loans and leases to core deposits | 70.0872% | 3,696 |
| Total domestic deposits to total assets | 80.3422% | 3,761 |
| Equity capital to assets | 10.6089% | 2,654 |
| Core capital (leverage) ratio | 10.4104% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3435% | 1,402 |
| Memoranda: | ||
| Average total assets | $135,051,333 | 3,546 |
| Average earning assets | $123,110,667 | 3,565 |
| Average equity | $15,472,333 | 3,609 |
| Average total loans | $83,426,333 | 3,528 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 2,115 |
| Cost of funding earning assets | 0.7092% | 2,892 |
| Net interest margin | 3.8558% | 1,806 |
| Noninterest income to average assets | 0.6476% | 1,839 |
| Noninterest expense to average assets | 3.1898% | 1,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8980% | 2,530 |
| Return on assets (ROA) | 1.0020% | 2,273 |
| Pretax return on assets | 1.0536% | 2,657 |
| Return on Equity (ROE) | 8.3557% | 2,362 |
| Retained earnings to average equity (ytd only) | 5.7227% | 1,988 |
| Net charge-offs to loans | -0.0942% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1629% | 1,441 |
| Assets per employee ($millions) | 5.4267% | 2,197 |
| Cash dividends to net income (ytd only)* | 31.5113% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 1,281 |
| Loan loss allowance to noncurrent loans | 524.8927% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 3,744 |
| Noncurrent loans to loans | 0.2893% | 3,460 |
| Net loans and leases to total assets | 60.9076% | 3,410 |
| Net loans and leases to deposits | 72.9985% | 3,356 |
| Net loans and leases to core deposits | 73.8225% | 3,647 |
| Total domestic deposits to total assets | 83.4367% | 2,965 |
| Equity capital to assets | 11.7130% | 2,275 |
| Core capital (leverage) ratio | 11.3991% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7638% | 1,406 |
| Memoranda: | ||
| Average total assets | $124,147,500 | 3,646 |
| Average earning assets | $112,247,000 | 3,678 |
| Average equity | $14,888,000 | 3,672 |
| Average total loans | $80,707,500 | 3,566 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 2,512 |
| Cost of funding earning assets | 0.7222% | 3,057 |
| Net interest margin | 3.9103% | 2,138 |
| Noninterest income to average assets | 0.5792% | 2,318 |
| Noninterest expense to average assets | 3.3345% | 1,238 |
| Loan and lease loss provision to assets | 0.0645% | 2,736 |
| Net operating income to assets | 0.6635% | 3,977 |
| Return on assets (ROA) | 0.6984% | 3,938 |
| Pretax return on assets | 0.7376% | 4,117 |
| Return on Equity (ROE) | 6.1961% | 3,847 |
| Retained earnings to average equity (ytd only) | 3.7539% | 3,103 |
| Net charge-offs to loans | 0.0012% | 3,681 |
| Credit loss provision to net charge-offs | 7,900.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 937.0000% | 108 |
| Efficiency ratio | 78.2028% | 1,127 |
| Assets per employee ($millions) | 4.9190% | 2,688 |
| Cash dividends to net income (ytd only)* | 39.4152% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 1,266 |
| Loan loss allowance to noncurrent loans | 509.7458% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 3,537 |
| Noncurrent loans to loans | 0.2918% | 3,384 |
| Net loans and leases to total assets | 67.4796% | 2,756 |
| Net loans and leases to deposits | 81.3893% | 2,632 |
| Net loans and leases to core deposits | 84.1285% | 2,934 |
| Total domestic deposits to total assets | 82.9097% | 3,227 |
| Equity capital to assets | 12.3002% | 1,953 |
| Core capital (leverage) ratio | 11.8485% | 1,871 |
| Tier 1 risk-based capital ratio | 15.8699% | 2,450 |
| Total risk-based capital ratio | 17.1201% | 2,395 |
| Memoranda: | ||
| Average total assets | $122,418,000 | 3,661 |
| Average earning assets | $110,222,600 | 3,706 |
| Average equity | $13,799,000 | 3,778 |
| Average total loans | $81,505,600 | 3,568 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 2,763 |
| Cost of funding earning assets | 0.7266% | 3,083 |
| Net interest margin | 3.8609% | 2,398 |
| Noninterest income to average assets | 0.5516% | 2,452 |
| Noninterest expense to average assets | 3.4307% | 1,040 |
| Loan and lease loss provision to assets | 0.0464% | 2,973 |
| Net operating income to assets | 0.5097% | 4,493 |
| Return on assets (ROA) | 0.5549% | 4,447 |
| Pretax return on assets | 0.5991% | 4,547 |
| Return on Equity (ROE) | 5.0323% | 4,319 |
| Retained earnings to average equity (ytd only) | 2.9077% | 3,931 |
| Net charge-offs to loans | -0.0604% | 4,882 |
| Credit loss provision to net charge-offs | -116.2162% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9702% | 835 |
| Assets per employee ($millions) | 5.1504% | 2,393 |
| Cash dividends to net income (ytd only)* | 42.2182% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,309 |
| Loan loss allowance to noncurrent loans | 451.3109% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 3,709 |
| Noncurrent loans to loans | 0.3277% | 3,360 |
| Net loans and leases to total assets | 64.9443% | 3,181 |
| Net loans and leases to deposits | 76.7951% | 3,222 |
| Net loans and leases to core deposits | 83.7440% | 3,117 |
| Total domestic deposits to total assets | 84.5683% | 2,598 |
| Equity capital to assets | 11.3697% | 2,775 |
| Core capital (leverage) ratio | 11.4766% | 2,240 |
| Tier 1 risk-based capital ratio | 15.2985% | 2,717 |
| Total risk-based capital ratio | 16.5488% | 2,647 |
| Memoranda: | ||
| Average total assets | $123,508,750 | 3,682 |
| Average earning assets | $111,199,000 | 3,728 |
| Average equity | $13,618,500 | 3,841 |
| Average total loans | $81,665,500 | 3,608 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 2,890 |
| Cost of funding earning assets | 0.7143% | 3,087 |
| Net interest margin | 3.8238% | 2,502 |
| Noninterest income to average assets | 0.6236% | 2,046 |
| Noninterest expense to average assets | 3.5197% | 936 |
| Loan and lease loss provision to assets | 0.0696% | 2,427 |
| Net operating income to assets | 0.4282% | 4,684 |
| Return on assets (ROA) | 0.4827% | 4,599 |
| Pretax return on assets | 0.5280% | 4,658 |
| Return on Equity (ROE) | 4.4236% | 4,487 |
| Retained earnings to average equity (ytd only) | 2.2563% | 4,037 |
| Net charge-offs to loans | -0.0416% | 4,779 |
| Credit loss provision to net charge-offs | -252.9412% | 4,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4790% | 929 |
| Assets per employee ($millions) | 5.0653% | 2,397 |
| Cash dividends to net income (ytd only)* | 48.9933% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 1,451 |
| Loan loss allowance to noncurrent loans | 125.9299% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.9013% | 1,541 |
| Noncurrent loans to loans | 1.1455% | 1,416 |
| Net loans and leases to total assets | 69.4921% | 2,602 |
| Net loans and leases to deposits | 85.1653% | 2,351 |
| Net loans and leases to core deposits | 93.1688% | 2,313 |
| Total domestic deposits to total assets | 81.5967% | 3,637 |
| Equity capital to assets | 11.8411% | 2,309 |
| Core capital (leverage) ratio | 11.1499% | 2,455 |
| Tier 1 risk-based capital ratio | 14.9979% | 2,845 |
| Total risk-based capital ratio | 16.2481% | 2,762 |
| Memoranda: | ||
| Average total assets | $123,475,330 | 3,703 |
| Average earning assets | $110,885,000 | 3,763 |
| Average equity | $13,473,330 | 3,867 |
| Average total loans | $81,726,670 | 3,625 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 3,046 |
| Cost of funding earning assets | 0.7283% | 2,895 |
| Net interest margin | 3.7227% | 2,807 |
| Noninterest income to average assets | 0.6805% | 1,683 |
| Noninterest expense to average assets | 3.2104% | 1,472 |
| Loan and lease loss provision to assets | 0.0819% | 2,063 |
| Net operating income to assets | 0.6626% | 4,053 |
| Return on assets (ROA) | 0.6774% | 4,049 |
| Pretax return on assets | 0.7215% | 4,249 |
| Return on Equity (ROE) | 6.4601% | 3,855 |
| Retained earnings to average equity (ytd only) | 4.2066% | 3,235 |
| Net charge-offs to loans | -0.0442% | 4,794 |
| Credit loss provision to net charge-offs | -288.8889% | 3,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6690% | 1,091 |
| Assets per employee ($millions) | 5.2516% | 2,226 |
| Cash dividends to net income (ytd only)* | 34.8837% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 1,592 |
| Loan loss allowance to noncurrent loans | 122.3629% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 1,693 |
| Noncurrent loans to loans | 1.1623% | 1,434 |
| Net loans and leases to total assets | 63.7937% | 3,313 |
| Net loans and leases to deposits | 75.7537% | 3,285 |
| Net loans and leases to core deposits | 86.7115% | 2,803 |
| Total domestic deposits to total assets | 84.2120% | 2,977 |
| Equity capital to assets | 10.7395% | 3,118 |
| Core capital (leverage) ratio | 10.5894% | 2,955 |
| Tier 1 risk-based capital ratio | 13.9500% | 3,362 |
| Total risk-based capital ratio | 15.1724% | 3,297 |
| Memoranda: | ||
| Average total assets | $126,962,500 | 3,694 |
| Average earning assets | $113,142,500 | 3,763 |
| Average equity | $13,312,500 | 3,899 |
| Average total loans | $81,518,000 | 3,662 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 2,623 |
| Cost of funding earning assets | 0.4795% | 3,487 |
| Net interest margin | 3.9636% | 2,114 |
| Noninterest income to average assets | 1.0785% | 798 |
| Noninterest expense to average assets | 3.7010% | 770 |
| Loan and lease loss provision to assets | 0.1467% | 1,452 |
| Net operating income to assets | 0.7596% | 3,937 |
| Return on assets (ROA) | 0.7580% | 3,945 |
| Pretax return on assets | 0.7844% | 4,211 |
| Return on Equity (ROE) | 7.3105% | 3,725 |
| Retained earnings to average equity (ytd only) | 4.4260% | 3,097 |
| Net charge-offs to loans | 0.1655% | 1,166 |
| Credit loss provision to net charge-offs | 130.8824% | 2,020 |
| Earnings coverage of net charge-offs (x) | 8.3235% | 2,907 |
| Efficiency ratio | 79.3385% | 1,014 |
| Assets per employee ($millions) | 4.9187% | 2,595 |
| Cash dividends to net income (ytd only)* | 39.4565% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 1,714 |
| Loan loss allowance to noncurrent loans | 118.2965% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 1,685 |
| Noncurrent loans to loans | 1.1673% | 1,378 |
| Net loans and leases to total assets | 62.8263% | 3,481 |
| Net loans and leases to deposits | 72.9947% | 3,587 |
| Net loans and leases to core deposits | 79.0955% | 3,493 |
| Total domestic deposits to total assets | 86.0696% | 2,193 |
| Equity capital to assets | 10.2349% | 3,437 |
| Core capital (leverage) ratio | 10.8501% | 2,677 |
| Tier 1 risk-based capital ratio | 14.3281% | 3,153 |
| Total risk-based capital ratio | 15.5596% | 3,079 |
| Memoranda: | ||
| Average total assets | $121,373,000 | 3,767 |
| Average earning assets | $108,865,600 | 3,826 |
| Average equity | $12,584,600 | 3,946 |
| Average total loans | $82,174,000 | 3,621 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 2,471 |
| Cost of funding earning assets | 0.5318% | 2,980 |
| Net interest margin | 3.9150% | 2,239 |
| Noninterest income to average assets | 1.1224% | 741 |
| Noninterest expense to average assets | 3.7245% | 734 |
| Loan and lease loss provision to assets | 0.1748% | 1,055 |
| Net operating income to assets | 0.7002% | 4,220 |
| Return on assets (ROA) | 0.6981% | 4,238 |
| Pretax return on assets | 0.7371% | 4,450 |
| Return on Equity (ROE) | 6.7101% | 4,029 |
| Retained earnings to average equity (ytd only) | 3.5744% | 3,980 |
| Net charge-offs to loans | 0.2850% | 587 |
| Credit loss provision to net charge-offs | 89.2045% | 2,432 |
| Earnings coverage of net charge-offs (x) | 4.6648% | 3,033 |
| Efficiency ratio | 79.7408% | 965 |
| Assets per employee ($millions) | 4.5035% | 3,126 |
| Cash dividends to net income (ytd only)* | 46.7308% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,051 |
| Loan loss allowance to noncurrent loans | 126.1848% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 1,496 |
| Noncurrent loans to loans | 1.0390% | 1,644 |
| Net loans and leases to total assets | 68.4675% | 2,872 |
| Net loans and leases to deposits | 86.3938% | 2,331 |
| Net loans and leases to core deposits | 96.8740% | 2,035 |
| Total domestic deposits to total assets | 79.2505% | 4,269 |
| Equity capital to assets | 10.6292% | 3,015 |
| Core capital (leverage) ratio | 10.7887% | 2,806 |
| Tier 1 risk-based capital ratio | 14.8043% | 2,969 |
| Total risk-based capital ratio | 16.0447% | 2,893 |
| Memoranda: | ||
| Average total assets | $119,744,750 | 3,833 |
| Average earning assets | $107,549,750 | 3,887 |
| Average equity | $12,458,500 | 3,992 |
| Average total loans | $82,349,750 | 3,648 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4068% | 2,391 |
| Cost of funding earning assets | 0.4730% | 3,203 |
| Net interest margin | 3.9338% | 2,092 |
| Noninterest income to average assets | 1.1108% | 776 |
| Noninterest expense to average assets | 3.6890% | 770 |
| Loan and lease loss provision to assets | 0.2404% | 650 |
| Net operating income to assets | 0.6731% | 4,273 |
| Return on assets (ROA) | 0.6731% | 4,279 |
| Pretax return on assets | 0.7113% | 4,483 |
| Return on Equity (ROE) | 6.5155% | 4,059 |
| Retained earnings to average equity (ytd only) | 2.9368% | 4,076 |
| Net charge-offs to loans | 0.3941% | 399 |
| Credit loss provision to net charge-offs | 88.9571% | 2,166 |
| Earnings coverage of net charge-offs (x) | 3.5215% | 2,872 |
| Efficiency ratio | 78.9568% | 1,118 |
| Assets per employee ($millions) | 4.3657% | 3,332 |
| Cash dividends to net income (ytd only)* | 54.9261% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 2,188 |
| Loan loss allowance to noncurrent loans | 159.3423% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.0282% | 1,461 |
| Noncurrent loans to loans | 0.8131% | 2,101 |
| Net loans and leases to total assets | 68.8962% | 2,742 |
| Net loans and leases to deposits | 89.9097% | 1,851 |
| Net loans and leases to core deposits | 94.1183% | 2,209 |
| Total domestic deposits to total assets | 76.6282% | 4,783 |
| Equity capital to assets | 10.5902% | 3,034 |
| Core capital (leverage) ratio | 10.5442% | 2,985 |
| Tier 1 risk-based capital ratio | 14.4662% | 3,133 |
| Total risk-based capital ratio | 15.6948% | 3,056 |
| Memoranda: | ||
| Average total assets | $120,629,000 | 3,848 |
| Average earning assets | $108,242,330 | 3,908 |
| Average equity | $12,462,670 | 4,016 |
| Average total loans | $82,721,330 | 3,665 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2677% | 2,644 |
| Cost of funding earning assets | 0.4689% | 3,055 |
| Net interest margin | 3.7988% | 2,430 |
| Noninterest income to average assets | 0.9245% | 1,087 |
| Noninterest expense to average assets | 3.4982% | 1,004 |
| Loan and lease loss provision to assets | 0.4721% | 228 |
| Net operating income to assets | 0.3147% | 5,070 |
| Return on assets (ROA) | 0.3147% | 5,076 |
| Pretax return on assets | 0.3541% | 5,095 |
| Return on Equity (ROE) | 3.0837% | 5,003 |
| Retained earnings to average equity (ytd only) | -0.9958% | 4,912 |
| Net charge-offs to loans | 0.0386% | 1,757 |
| Credit loss provision to net charge-offs | 1,800.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,212 |
| Efficiency ratio | 80.8946% | 1,053 |
| Assets per employee ($millions) | 4.5290% | 3,112 |
| Cash dividends to net income (ytd only)* | 132.2917% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 1,563 |
| Loan loss allowance to noncurrent loans | 160.6061% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 1.0819% | 1,441 |
| Noncurrent loans to loans | 0.9186% | 1,984 |
| Net loans and leases to total assets | 66.5740% | 2,958 |
| Net loans and leases to deposits | 84.6378% | 2,326 |
| Net loans and leases to core deposits | 88.3477% | 2,600 |
| Total domestic deposits to total assets | 78.6575% | 4,632 |
| Equity capital to assets | 10.0268% | 3,568 |
| Core capital (leverage) ratio | 10.1819% | 3,325 |
| Tier 1 risk-based capital ratio | 13.3155% | 3,767 |
| Total risk-based capital ratio | 14.5658% | 3,678 |
| Memoranda: | ||
| Average total assets | $122,007,000 | 3,865 |
| Average earning assets | $109,192,000 | 3,926 |
| Average equity | $12,452,500 | 4,056 |
| Average total loans | $82,944,000 | 3,691 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3888% | 2,059 |
| Cost of funding earning assets | 0.5251% | 2,142 |
| Net interest margin | 3.8637% | 2,213 |
| Noninterest income to average assets | 0.8006% | 1,565 |
| Noninterest expense to average assets | 3.5508% | 956 |
| Loan and lease loss provision to assets | 0.0270% | 3,748 |
| Net operating income to assets | 0.6232% | 3,919 |
| Return on assets (ROA) | 0.5978% | 4,063 |
| Pretax return on assets | 0.6379% | 4,656 |
| Return on Equity (ROE) | 5.9580% | 3,778 |
| Retained earnings to average equity (ytd only) | 2.6978% | 3,700 |
| Net charge-offs to loans | 0.8141% | 244 |
| Credit loss provision to net charge-offs | 4.9034% | 3,688 |
| Earnings coverage of net charge-offs (x) | 1.2571% | 3,910 |
| Efficiency ratio | 83.6931% | 797 |
| Assets per employee ($millions) | 4.5086% | 3,169 |
| Cash dividends to net income (ytd only)* | 54.7196% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 2,213 |
| Loan loss allowance to noncurrent loans | 139.9225% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 1,384 |
| Noncurrent loans to loans | 0.9296% | 1,920 |
| Net loans and leases to total assets | 67.5073% | 2,888 |
| Net loans and leases to deposits | 84.9166% | 2,384 |
| Net loans and leases to core deposits | 88.6150% | 2,678 |
| Total domestic deposits to total assets | 79.4984% | 4,443 |
| Equity capital to assets | 10.3868% | 3,284 |
| Core capital (leverage) ratio | 9.9760% | 3,486 |
| Tier 1 risk-based capital ratio | 13.3580% | 3,712 |
| Total risk-based capital ratio | 14.5309% | 3,669 |
| Memoranda: | ||
| Average total assets | $122,282,200 | 3,855 |
| Average earning assets | $108,936,800 | 3,940 |
| Average equity | $12,269,200 | 4,094 |
| Average total loans | $82,663,200 | 3,685 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3765% | 2,029 |
| Cost of funding earning assets | 0.5247% | 2,074 |
| Net interest margin | 3.8518% | 2,212 |
| Noninterest income to average assets | 0.9552% | 1,131 |
| Noninterest expense to average assets | 3.5865% | 888 |
| Loan and lease loss provision to assets | 0.0098% | 3,939 |
| Net operating income to assets | 0.7333% | 3,805 |
| Return on assets (ROA) | 0.6949% | 4,077 |
| Pretax return on assets | 0.7471% | 4,495 |
| Return on Equity (ROE) | 6.9866% | 3,670 |
| Retained earnings to average equity (ytd only) | 2.6063% | 4,328 |
| Net charge-offs to loans | 1.0648% | 162 |
| Credit loss provision to net charge-offs | 1.3657% | 3,266 |
| Earnings coverage of net charge-offs (x) | 1.1123% | 3,598 |
| Efficiency ratio | 81.7933% | 932 |
| Assets per employee ($millions) | 4.3929% | 3,323 |
| Cash dividends to net income (ytd only)* | 62.6956% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,430 |
| Loan loss allowance to noncurrent loans | 104.5809% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.3927% | 1,121 |
| Noncurrent loans to loans | 1.2292% | 1,547 |
| Net loans and leases to total assets | 66.9900% | 2,981 |
| Net loans and leases to deposits | 89.8591% | 1,826 |
| Net loans and leases to core deposits | 93.9995% | 2,276 |
| Total domestic deposits to total assets | 74.5500% | 5,176 |
| Equity capital to assets | 10.2096% | 3,684 |
| Core capital (leverage) ratio | 9.9339% | 3,645 |
| Tier 1 risk-based capital ratio | 13.3555% | 3,791 |
| Total risk-based capital ratio | 14.5381% | 3,743 |
| Memoranda: | ||
| Average total assets | $122,419,750 | 3,898 |
| Average earning assets | $109,003,500 | 3,979 |
| Average equity | $12,175,500 | 4,145 |
| Average total loans | $82,513,750 | 3,715 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 1,864 |
| Cost of funding earning assets | 0.5301% | 1,917 |
| Net interest margin | 3.8565% | 2,072 |
| Noninterest income to average assets | 0.8705% | 1,365 |
| Noninterest expense to average assets | 3.5361% | 959 |
| Loan and lease loss provision to assets | 0.0147% | 3,660 |
| Net operating income to assets | 0.6786% | 3,940 |
| Return on assets (ROA) | 0.6169% | 4,271 |
| Pretax return on assets | 0.6693% | 4,629 |
| Return on Equity (ROE) | 6.2583% | 3,926 |
| Retained earnings to average equity (ytd only) | 1.6102% | 4,611 |
| Net charge-offs to loans | 0.0146% | 2,953 |
| Credit loss provision to net charge-offs | 150.0000% | 1,520 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 792 |
| Efficiency ratio | 82.4809% | 960 |
| Assets per employee ($millions) | 4.4817% | 3,141 |
| Cash dividends to net income (ytd only)* | 74.2706% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0678% | 535 |
| Loan loss allowance to noncurrent loans | 188.8403% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 1.3255% | 1,231 |
| Noncurrent loans to loans | 1.0950% | 1,790 |
| Net loans and leases to total assets | 67.5523% | 2,872 |
| Net loans and leases to deposits | 87.8013% | 2,009 |
| Net loans and leases to core deposits | 91.8863% | 2,346 |
| Total domestic deposits to total assets | 76.9377% | 4,967 |
| Equity capital to assets | 10.2779% | 3,594 |
| Core capital (leverage) ratio | 9.7500% | 3,835 |
| Tier 1 risk-based capital ratio | 13.1270% | 3,927 |
| Total risk-based capital ratio | 14.3849% | 3,829 |
| Memoranda: | ||
| Average total assets | $122,225,670 | 3,927 |
| Average earning assets | $108,284,670 | 4,012 |
| Average equity | $12,048,000 | 4,177 |
| Average total loans | $82,194,330 | 3,736 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 2,222 |
| Cost of funding earning assets | 0.4915% | 2,158 |
| Net interest margin | 3.7250% | 2,400 |
| Noninterest income to average assets | 0.6578% | 2,145 |
| Noninterest expense to average assets | 3.3639% | 1,261 |
| Loan and lease loss provision to assets | 0.0261% | 3,234 |
| Net operating income to assets | 0.4973% | 4,609 |
| Return on assets (ROA) | 0.4885% | 4,668 |
| Pretax return on assets | 0.5406% | 4,865 |
| Return on Equity (ROE) | 5.0618% | 4,364 |
| Retained earnings to average equity (ytd only) | -0.3375% | 4,970 |
| Net charge-offs to loans | -0.0049% | 4,176 |
| Credit loss provision to net charge-offs | -800.0000% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3719% | 855 |
| Assets per employee ($millions) | 4.6184% | 2,978 |
| Cash dividends to net income (ytd only)* | 106.6667% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1045% | 548 |
| Loan loss allowance to noncurrent loans | 196.0362% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.4972% | 1,071 |
| Noncurrent loans to loans | 1.0735% | 1,908 |
| Net loans and leases to total assets | 64.5746% | 3,186 |
| Net loans and leases to deposits | 82.8970% | 2,409 |
| Net loans and leases to core deposits | 86.5865% | 2,670 |
| Total domestic deposits to total assets | 77.8974% | 4,976 |
| Equity capital to assets | 9.5929% | 4,187 |
| Core capital (leverage) ratio | 9.7846% | 3,771 |
| Tier 1 risk-based capital ratio | 12.9491% | 4,106 |
| Total risk-based capital ratio | 14.2064% | 3,999 |
| Memoranda: | ||
| Average total assets | $122,835,000 | 3,955 |
| Average earning assets | $108,242,500 | 4,043 |
| Average equity | $11,853,500 | 4,237 |
| Average total loans | $81,557,000 | 3,781 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,051 |
| Cost of funding earning assets | 0.5055% | 2,047 |
| Net interest margin | 3.8234% | 2,235 |
| Noninterest income to average assets | 1.2263% | 758 |
| Noninterest expense to average assets | 3.5880% | 1,032 |
| Loan and lease loss provision to assets | 0.6857% | 184 |
| Net operating income to assets | 0.3340% | 5,133 |
| Return on assets (ROA) | 0.3871% | 5,069 |
| Pretax return on assets | 0.4096% | 5,214 |
| Return on Equity (ROE) | 3.6773% | 4,941 |
| Retained earnings to average equity (ytd only) | -0.4438% | 5,369 |
| Net charge-offs to loans | 0.2109% | 1,319 |
| Credit loss provision to net charge-offs | 489.2857% | 675 |
| Earnings coverage of net charge-offs (x) | 7.4167% | 3,021 |
| Efficiency ratio | 77.5374% | 1,765 |
| Assets per employee ($millions) | 4.3205% | 3,409 |
| Cash dividends to net income (ytd only)* | 112.0690% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1308% | 520 |
| Loan loss allowance to noncurrent loans | 146.8883% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 1.8921% | 759 |
| Noncurrent loans to loans | 1.4506% | 1,399 |
| Net loans and leases to total assets | 65.4174% | 3,156 |
| Net loans and leases to deposits | 80.9232% | 2,786 |
| Net loans and leases to core deposits | 81.4236% | 3,267 |
| Total domestic deposits to total assets | 80.8389% | 4,374 |
| Equity capital to assets | 9.7087% | 4,054 |
| Core capital (leverage) ratio | 9.8097% | 3,733 |
| Tier 1 risk-based capital ratio | 13.2333% | 3,935 |
| Total risk-based capital ratio | 14.4914% | 3,844 |
| Memoranda: | ||
| Average total assets | $119,872,600 | 4,001 |
| Average earning assets | $106,632,600 | 4,065 |
| Average equity | $12,617,800 | 4,151 |
| Average total loans | $79,676,000 | 3,803 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3256% | 2,094 |
| Cost of funding earning assets | 0.5033% | 2,077 |
| Net interest margin | 3.8223% | 2,252 |
| Noninterest income to average assets | 1.1951% | 808 |
| Noninterest expense to average assets | 3.5652% | 1,047 |
| Loan and lease loss provision to assets | 0.1249% | 1,864 |
| Net operating income to assets | 0.8584% | 3,110 |
| Return on assets (ROA) | 0.9287% | 2,883 |
| Pretax return on assets | 0.9833% | 3,691 |
| Return on Equity (ROE) | 8.6525% | 2,686 |
| Retained earnings to average equity (ytd only) | 4.4977% | 3,136 |
| Net charge-offs to loans | 0.0756% | 2,241 |
| Credit loss provision to net charge-offs | 248.8889% | 1,207 |
| Earnings coverage of net charge-offs (x) | 20.5995% | 1,865 |
| Efficiency ratio | 77.5273% | 1,761 |
| Assets per employee ($millions) | 4.6345% | 2,861 |
| Cash dividends to net income (ytd only)* | 48.0192% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 1,998 |
| Loan loss allowance to noncurrent loans | 124.8625% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.7403% | 964 |
| Noncurrent loans to loans | 1.1568% | 1,938 |
| Net loans and leases to total assets | 64.2727% | 3,358 |
| Net loans and leases to deposits | 81.2774% | 2,823 |
| Net loans and leases to core deposits | 81.7916% | 3,301 |
| Total domestic deposits to total assets | 79.0781% | 4,702 |
| Equity capital to assets | 10.8958% | 3,139 |
| Core capital (leverage) ratio | 10.2454% | 3,289 |
| Tier 1 risk-based capital ratio | 14.1697% | 3,470 |
| Total risk-based capital ratio | 15.4203% | 3,398 |
| Memoranda: | ||
| Average total assets | $119,597,250 | 4,027 |
| Average earning assets | $106,494,750 | 4,096 |
| Average equity | $12,836,000 | 4,150 |
| Average total loans | $79,379,750 | 3,841 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 2,086 |
| Cost of funding earning assets | 0.4946% | 2,146 |
| Net interest margin | 3.8272% | 2,216 |
| Noninterest income to average assets | 1.0964% | 935 |
| Noninterest expense to average assets | 3.3664% | 1,445 |
| Loan and lease loss provision to assets | 0.1190% | 1,914 |
| Net operating income to assets | 0.9690% | 2,530 |
| Return on assets (ROA) | 0.9690% | 2,670 |
| Pretax return on assets | 1.0227% | 3,502 |
| Return on Equity (ROE) | 9.0750% | 2,466 |
| Retained earnings to average equity (ytd only) | 4.6788% | 2,931 |
| Net charge-offs to loans | -0.0176% | 4,896 |
| Credit loss provision to net charge-offs | -1,014.2857% | 5,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6746% | 2,262 |
| Assets per employee ($millions) | 4.5309% | 2,965 |
| Cash dividends to net income (ytd only)* | 48.4429% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 2,184 |
| Loan loss allowance to noncurrent loans | 152.3240% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0676% | 1,989 |
| Noncurrent loans to loans | 0.9362% | 2,404 |
| Net loans and leases to total assets | 64.8119% | 3,252 |
| Net loans and leases to deposits | 80.0466% | 2,927 |
| Net loans and leases to core deposits | 80.5320% | 3,414 |
| Total domestic deposits to total assets | 80.9677% | 4,289 |
| Equity capital to assets | 10.8433% | 3,241 |
| Core capital (leverage) ratio | 9.9189% | 3,664 |
| Tier 1 risk-based capital ratio | 13.6766% | 3,781 |
| Total risk-based capital ratio | 14.9271% | 3,710 |
| Memoranda: | ||
| Average total assets | $119,297,670 | 4,057 |
| Average earning assets | $106,343,000 | 4,126 |
| Average equity | $12,738,330 | 4,196 |
| Average total loans | $79,646,000 | 3,850 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2883% | 2,170 |
| Cost of funding earning assets | 0.4638% | 2,431 |
| Net interest margin | 3.8245% | 2,206 |
| Noninterest income to average assets | 0.8219% | 1,551 |
| Noninterest expense to average assets | 3.1584% | 1,932 |
| Loan and lease loss provision to assets | 0.1053% | 1,947 |
| Net operating income to assets | 0.9204% | 2,649 |
| Return on assets (ROA) | 0.9204% | 2,760 |
| Pretax return on assets | 0.9747% | 3,569 |
| Return on Equity (ROE) | 8.6894% | 2,562 |
| Retained earnings to average equity (ytd only) | 3.5591% | 3,714 |
| Net charge-offs to loans | -0.0252% | 4,989 |
| Credit loss provision to net charge-offs | -620.0000% | 4,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5192% | 2,398 |
| Assets per employee ($millions) | 4.3946% | 3,258 |
| Cash dividends to net income (ytd only)* | 59.0406% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 2,468 |
| Loan loss allowance to noncurrent loans | 220.5589% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 2,089 |
| Noncurrent loans to loans | 0.6303% | 3,275 |
| Net loans and leases to total assets | 66.0540% | 2,933 |
| Net loans and leases to deposits | 82.9962% | 2,432 |
| Net loans and leases to core deposits | 83.5225% | 2,975 |
| Total domestic deposits to total assets | 79.5867% | 4,840 |
| Equity capital to assets | 10.6015% | 3,371 |
| Core capital (leverage) ratio | 10.2579% | 3,254 |
| Tier 1 risk-based capital ratio | 13.5826% | 3,930 |
| Total risk-based capital ratio | 14.8324% | 3,864 |
| Memoranda: | ||
| Average total assets | $117,779,500 | 4,123 |
| Average earning assets | $105,216,500 | 4,179 |
| Average equity | $12,475,000 | 4,246 |
| Average total loans | $79,252,000 | 3,879 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 2,215 |
| Cost of funding earning assets | 0.4956% | 2,194 |
| Net interest margin | 3.8100% | 2,338 |
| Noninterest income to average assets | 1.0754% | 1,019 |
| Noninterest expense to average assets | 3.2728% | 1,780 |
| Loan and lease loss provision to assets | 0.1026% | 2,272 |
| Net operating income to assets | 1.0957% | 1,946 |
| Return on assets (ROA) | 1.1211% | 1,897 |
| Pretax return on assets | 1.1746% | 2,751 |
| Return on Equity (ROE) | 10.8599% | 1,660 |
| Retained earnings to average equity (ytd only) | 4.9956% | 2,424 |
| Net charge-offs to loans | 0.0218% | 3,831 |
| Credit loss provision to net charge-offs | 700.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 85.2941% | 663 |
| Efficiency ratio | 72.3546% | 2,845 |
| Assets per employee ($millions) | 4.3299% | 3,339 |
| Cash dividends to net income (ytd only)* | 54.0000% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 2,659 |
| Loan loss allowance to noncurrent loans | 151.8466% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.9024% | 2,407 |
| Noncurrent loans to loans | 0.8909% | 2,571 |
| Net loans and leases to total assets | 66.6818% | 2,885 |
| Net loans and leases to deposits | 82.4589% | 2,533 |
| Net loans and leases to core deposits | 82.9803% | 3,052 |
| Total domestic deposits to total assets | 80.8667% | 4,521 |
| Equity capital to assets | 10.5820% | 3,273 |
| Core capital (leverage) ratio | 10.0381% | 3,460 |
| Tier 1 risk-based capital ratio | 14.7586% | 3,299 |
| Total risk-based capital ratio | 16.0091% | 3,229 |
| Memoranda: | ||
| Average total assets | $115,957,400 | 4,138 |
| Average earning assets | $104,933,600 | 4,164 |
| Average equity | $11,970,600 | 4,313 |
| Average total loans | $78,103,600 | 3,882 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 2,236 |
| Cost of funding earning assets | 0.4987% | 2,225 |
| Net interest margin | 3.7989% | 2,388 |
| Noninterest income to average assets | 1.0577% | 1,072 |
| Noninterest expense to average assets | 3.3367% | 1,603 |
| Loan and lease loss provision to assets | 0.1187% | 1,920 |
| Net operating income to assets | 1.0118% | 2,416 |
| Return on assets (ROA) | 1.0427% | 2,350 |
| Pretax return on assets | 1.0842% | 3,292 |
| Return on Equity (ROE) | 10.1650% | 2,039 |
| Retained earnings to average equity (ytd only) | 5.2903% | 2,728 |
| Net charge-offs to loans | 0.0291% | 3,352 |
| Credit loss provision to net charge-offs | 605.8824% | 560 |
| Earnings coverage of net charge-offs (x) | 59.7543% | 924 |
| Efficiency ratio | 74.0286% | 2,551 |
| Assets per employee ($millions) | 4.2997% | 3,319 |
| Cash dividends to net income (ytd only)* | 47.9555% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 2,982 |
| Loan loss allowance to noncurrent loans | 234.8214% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 3,184 |
| Noncurrent loans to loans | 0.5634% | 3,651 |
| Net loans and leases to total assets | 67.5841% | 2,753 |
| Net loans and leases to deposits | 85.6250% | 2,188 |
| Net loans and leases to core deposits | 86.1817% | 2,834 |
| Total domestic deposits to total assets | 78.9303% | 4,994 |
| Equity capital to assets | 10.5124% | 3,588 |
| Core capital (leverage) ratio | 10.2674% | 3,285 |
| Tier 1 risk-based capital ratio | 14.3751% | 3,641 |
| Total risk-based capital ratio | 15.6256% | 3,557 |
| Memoranda: | ||
| Average total assets | $115,720,250 | 4,185 |
| Average earning assets | $105,080,750 | 4,205 |
| Average equity | $11,870,500 | 4,378 |
| Average total loans | $77,873,500 | 3,925 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2641% | 2,310 |
| Cost of funding earning assets | 0.5306% | 1,980 |
| Net interest margin | 3.7334% | 2,564 |
| Noninterest income to average assets | 0.9239% | 1,371 |
| Noninterest expense to average assets | 3.2319% | 1,889 |
| Loan and lease loss provision to assets | 0.1782% | 1,154 |
| Net operating income to assets | 0.8705% | 3,042 |
| Return on assets (ROA) | 0.9170% | 2,925 |
| Pretax return on assets | 0.9585% | 3,743 |
| Return on Equity (ROE) | 9.0141% | 2,535 |
| Retained earnings to average equity (ytd only) | 3.8778% | 3,534 |
| Net charge-offs to loans | 0.0155% | 3,402 |
| Credit loss provision to net charge-offs | 1,716.6667% | 217 |
| Earnings coverage of net charge-offs (x) | 104.8333% | 581 |
| Efficiency ratio | 74.8098% | 2,563 |
| Assets per employee ($millions) | 4.5378% | 2,926 |
| Cash dividends to net income (ytd only)* | 56.9811% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 3,085 |
| Loan loss allowance to noncurrent loans | 153.2374% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8057% | 2,971 |
| Noncurrent loans to loans | 0.8672% | 2,957 |
| Net loans and leases to total assets | 69.7058% | 2,362 |
| Net loans and leases to deposits | 86.2213% | 2,031 |
| Net loans and leases to core deposits | 86.7776% | 2,679 |
| Total domestic deposits to total assets | 80.8452% | 4,656 |
| Equity capital to assets | 10.3152% | 3,667 |
| Core capital (leverage) ratio | 9.8164% | 3,840 |
| Tier 1 risk-based capital ratio | 14.0764% | 3,880 |
| Total risk-based capital ratio | 15.3276% | 3,813 |
| Memoranda: | ||
| Average total assets | $115,596,670 | 4,223 |
| Average earning assets | $105,158,000 | 4,240 |
| Average equity | $11,759,330 | 4,420 |
| Average total loans | $77,327,670 | 3,968 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 2,643 |
| Cost of funding earning assets | 0.5355% | 1,966 |
| Net interest margin | 3.6115% | 2,958 |
| Noninterest income to average assets | 0.6068% | 2,610 |
| Noninterest expense to average assets | 3.0170% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8129% | 3,199 |
| Return on assets (ROA) | 0.9051% | 2,844 |
| Pretax return on assets | 0.9462% | 3,712 |
| Return on Equity (ROE) | 8.9583% | 2,461 |
| Retained earnings to average equity (ytd only) | 3.1897% | 4,073 |
| Net charge-offs to loans | -0.0211% | 5,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0142% | 2,185 |
| Assets per employee ($millions) | 4.6973% | 2,773 |
| Cash dividends to net income (ytd only)* | 64.3939% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 3,549 |
| Loan loss allowance to noncurrent loans | 198.5685% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 3,674 |
| Noncurrent loans to loans | 0.6422% | 3,666 |
| Net loans and leases to total assets | 64.0107% | 3,086 |
| Net loans and leases to deposits | 77.9406% | 2,814 |
| Net loans and leases to core deposits | 78.4187% | 3,333 |
| Total domestic deposits to total assets | 82.1275% | 4,475 |
| Equity capital to assets | 10.0926% | 4,029 |
| Core capital (leverage) ratio | 9.8479% | 3,824 |
| Tier 1 risk-based capital ratio | 13.5518% | 4,301 |
| Total risk-based capital ratio | 14.7162% | 4,260 |
| Memoranda: | ||
| Average total assets | $116,673,000 | 4,244 |
| Average earning assets | $105,331,500 | 4,265 |
| Average equity | $11,788,000 | 4,450 |
| Average total loans | $75,920,500 | 4,027 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 2,880 |
| Cost of funding earning assets | 0.5749% | 2,001 |
| Net interest margin | 3.6460% | 3,229 |
| Noninterest income to average assets | 1.0447% | 1,124 |
| Noninterest expense to average assets | 3.2409% | 2,097 |
| Loan and lease loss provision to assets | 0.1043% | 2,414 |
| Net operating income to assets | 0.9600% | 2,582 |
| Return on assets (ROA) | 0.9895% | 2,513 |
| Pretax return on assets | 1.0315% | 3,383 |
| Return on Equity (ROE) | 9.9491% | 2,145 |
| Retained earnings to average equity (ytd only) | 5.4548% | 2,289 |
| Net charge-offs to loans | 0.1006% | 3,070 |
| Credit loss provision to net charge-offs | 163.0137% | 1,490 |
| Earnings coverage of net charge-offs (x) | 17.2740% | 1,936 |
| Efficiency ratio | 74.5715% | 2,737 |
| Assets per employee ($millions) | 4.6366% | 2,819 |
| Cash dividends to net income (ytd only)* | 45.1727% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 3,558 |
| Loan loss allowance to noncurrent loans | 161.4357% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 3,254 |
| Noncurrent loans to loans | 0.7913% | 3,331 |
| Net loans and leases to total assets | 64.4737% | 3,149 |
| Net loans and leases to deposits | 79.1338% | 2,821 |
| Net loans and leases to core deposits | 79.9115% | 3,309 |
| Total domestic deposits to total assets | 81.4742% | 4,605 |
| Equity capital to assets | 10.1144% | 3,967 |
| Core capital (leverage) ratio | 9.8269% | 3,805 |
| Tier 1 risk-based capital ratio | 14.6161% | 3,712 |
| Total risk-based capital ratio | 15.8666% | 3,641 |
| Memoranda: | ||
| Average total assets | $114,102,800 | 4,298 |
| Average earning assets | $103,318,600 | 4,321 |
| Average equity | $11,347,800 | 4,486 |
| Average total loans | $72,579,200 | 4,109 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 2,935 |
| Cost of funding earning assets | 0.5795% | 2,024 |
| Net interest margin | 3.6366% | 3,283 |
| Noninterest income to average assets | 0.9104% | 1,495 |
| Noninterest expense to average assets | 3.2098% | 2,143 |
| Loan and lease loss provision to assets | 0.0786% | 2,771 |
| Net operating income to assets | 0.8707% | 3,068 |
| Return on assets (ROA) | 0.8752% | 3,141 |
| Pretax return on assets | 0.9174% | 3,915 |
| Return on Equity (ROE) | 8.8383% | 2,765 |
| Retained earnings to average equity (ytd only) | 4.1941% | 3,664 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4032% | 2,428 |
| Assets per employee ($millions) | 4.5241% | 2,924 |
| Cash dividends to net income (ytd only)* | 52.5467% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 3,366 |
| Loan loss allowance to noncurrent loans | 238.6473% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 1.0327% | 2,896 |
| Noncurrent loans to loans | 0.5685% | 4,218 |
| Net loans and leases to total assets | 63.5108% | 3,259 |
| Net loans and leases to deposits | 78.9189% | 2,847 |
| Net loans and leases to core deposits | 79.7221% | 3,345 |
| Total domestic deposits to total assets | 80.4760% | 4,971 |
| Equity capital to assets | 10.2103% | 3,919 |
| Core capital (leverage) ratio | 9.7280% | 4,031 |
| Tier 1 risk-based capital ratio | 14.6919% | 3,760 |
| Total risk-based capital ratio | 15.9430% | 3,702 |
| Memoranda: | ||
| Average total assets | $113,650,000 | 4,341 |
| Average earning assets | $102,841,000 | 4,370 |
| Average equity | $11,253,750 | 4,540 |
| Average total loans | $71,798,750 | 4,164 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1785% | 3,037 |
| Cost of funding earning assets | 0.5834% | 2,045 |
| Net interest margin | 3.5952% | 3,379 |
| Noninterest income to average assets | 0.8873% | 1,533 |
| Noninterest expense to average assets | 3.1889% | 2,227 |
| Loan and lease loss provision to assets | 0.0439% | 3,439 |
| Net operating income to assets | 0.8715% | 2,951 |
| Return on assets (ROA) | 0.8715% | 3,040 |
| Pretax return on assets | 0.9136% | 3,829 |
| Return on Equity (ROE) | 8.8923% | 2,641 |
| Retained earnings to average equity (ytd only) | 3.9800% | 3,653 |
| Net charge-offs to loans | 0.0084% | 4,110 |
| Credit loss provision to net charge-offs | 833.3333% | 390 |
| Earnings coverage of net charge-offs (x) | 181.6667% | 345 |
| Efficiency ratio | 76.9068% | 2,470 |
| Assets per employee ($millions) | 4.5365% | 2,869 |
| Cash dividends to net income (ytd only)* | 55.2419% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 3,855 |
| Loan loss allowance to noncurrent loans | 406.4655% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 3,073 |
| Noncurrent loans to loans | 0.3195% | 5,053 |
| Net loans and leases to total assets | 63.1868% | 3,210 |
| Net loans and leases to deposits | 77.3053% | 2,889 |
| Net loans and leases to core deposits | 78.5027% | 3,378 |
| Total domestic deposits to total assets | 81.7367% | 4,737 |
| Equity capital to assets | 10.0791% | 4,002 |
| Core capital (leverage) ratio | 9.3857% | 4,488 |
| Tier 1 risk-based capital ratio | 14.5832% | 3,878 |
| Total risk-based capital ratio | 15.8337% | 3,830 |
| Memoranda: | ||
| Average total assets | $113,832,670 | 4,367 |
| Average earning assets | $103,194,330 | 4,379 |
| Average equity | $11,155,670 | 4,566 |
| Average total loans | $71,458,330 | 4,182 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 3,025 |
| Cost of funding earning assets | 0.6019% | 1,953 |
| Net interest margin | 3.5609% | 3,429 |
| Noninterest income to average assets | 0.6419% | 2,506 |
| Noninterest expense to average assets | 3.0269% | 2,778 |
| Loan and lease loss provision to assets | 0.0877% | 2,452 |
| Net operating income to assets | 0.7015% | 3,679 |
| Return on assets (ROA) | 0.7015% | 3,758 |
| Pretax return on assets | 0.7436% | 4,337 |
| Return on Equity (ROE) | 7.2608% | 3,325 |
| Retained earnings to average equity (ytd only) | 1.5974% | 4,971 |
| Net charge-offs to loans | -0.0169% | 5,272 |
| Credit loss provision to net charge-offs | -833.3333% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4545% | 2,420 |
| Assets per employee ($millions) | 4.6348% | 2,749 |
| Cash dividends to net income (ytd only)* | 78.0000% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 3,841 |
| Loan loss allowance to noncurrent loans | 1,555.7377% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.8699% | 3,554 |
| Noncurrent loans to loans | 0.0869% | 5,872 |
| Net loans and leases to total assets | 59.7596% | 3,601 |
| Net loans and leases to deposits | 73.1371% | 3,184 |
| Net loans and leases to core deposits | 74.5642% | 3,580 |
| Total domestic deposits to total assets | 81.7090% | 5,026 |
| Equity capital to assets | 9.5701% | 4,405 |
| Core capital (leverage) ratio | 9.3833% | 4,449 |
| Tier 1 risk-based capital ratio | 14.6069% | 3,942 |
| Total risk-based capital ratio | 15.8569% | 3,895 |
| Memoranda: | ||
| Average total assets | $114,042,500 | 4,411 |
| Average earning assets | $103,007,000 | 4,431 |
| Average equity | $11,018,000 | 4,610 |
| Average total loans | $70,885,000 | 4,240 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 3,540 |
| Cost of funding earning assets | 0.6306% | 2,382 |
| Net interest margin | 3.5182% | 3,818 |
| Noninterest income to average assets | 0.8451% | 1,882 |
| Noninterest expense to average assets | 3.0590% | 2,870 |
| Loan and lease loss provision to assets | 0.0625% | 3,885 |
| Net operating income to assets | 0.8725% | 2,915 |
| Return on assets (ROA) | 0.9893% | 2,440 |
| Pretax return on assets | 1.0336% | 3,213 |
| Return on Equity (ROE) | 10.4266% | 1,946 |
| Retained earnings to average equity (ytd only) | 5.6115% | 2,208 |
| Net charge-offs to loans | 0.0839% | 4,034 |
| Credit loss provision to net charge-offs | 124.1379% | 1,916 |
| Earnings coverage of net charge-offs (x) | 19.3448% | 1,610 |
| Efficiency ratio | 75.8398% | 2,800 |
| Assets per employee ($millions) | 4.8789% | 2,336 |
| Cash dividends to net income (ytd only)* | 46.1809% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 4,206 |
| Loan loss allowance to noncurrent loans | 284.2593% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 1.1327% | 3,131 |
| Noncurrent loans to loans | 0.4527% | 4,864 |
| Net loans and leases to total assets | 62.9654% | 3,208 |
| Net loans and leases to deposits | 76.9556% | 2,860 |
| Net loans and leases to core deposits | 79.0610% | 3,232 |
| Total domestic deposits to total assets | 81.8205% | 4,939 |
| Equity capital to assets | 9.7555% | 4,095 |
| Core capital (leverage) ratio | 9.3553% | 4,463 |
| Tier 1 risk-based capital ratio | 14.4346% | 3,995 |
| Total risk-based capital ratio | 15.6845% | 3,940 |
| Memoranda: | ||
| Average total assets | $115,136,000 | 4,382 |
| Average earning assets | $104,342,200 | 4,398 |
| Average equity | $10,924,000 | 4,651 |
| Average total loans | $69,119,600 | 4,303 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 3,666 |
| Cost of funding earning assets | 0.6306% | 2,542 |
| Net interest margin | 3.4924% | 3,912 |
| Noninterest income to average assets | 0.8021% | 2,135 |
| Noninterest expense to average assets | 3.0206% | 2,919 |
| Loan and lease loss provision to assets | 0.0564% | 3,928 |
| Net operating income to assets | 0.8285% | 3,202 |
| Return on assets (ROA) | 0.9804% | 2,570 |
| Pretax return on assets | 1.0495% | 3,305 |
| Return on Equity (ROE) | 10.4043% | 2,038 |
| Retained earnings to average equity (ytd only) | 5.9348% | 2,452 |
| Net charge-offs to loans | -0.0019% | 5,685 |
| Credit loss provision to net charge-offs | -4,900.0000% | 6,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2195% | 2,697 |
| Assets per employee ($millions) | 4.9683% | 2,206 |
| Cash dividends to net income (ytd only)* | 42.9580% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 3,892 |
| Loan loss allowance to noncurrent loans | 119.9248% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.4772% | 2,722 |
| Noncurrent loans to loans | 1.1685% | 3,486 |
| Net loans and leases to total assets | 58.9262% | 3,866 |
| Net loans and leases to deposits | 72.6352% | 3,439 |
| Net loans and leases to core deposits | 74.3926% | 3,794 |
| Total domestic deposits to total assets | 81.1263% | 5,184 |
| Equity capital to assets | 9.5204% | 4,528 |
| Core capital (leverage) ratio | 9.2779% | 4,717 |
| Tier 1 risk-based capital ratio | 14.6962% | 3,954 |
| Total risk-based capital ratio | 15.9475% | 3,914 |
| Memoranda: | ||
| Average total assets | $115,866,500 | 4,415 |
| Average earning assets | $104,873,250 | 4,432 |
| Average equity | $10,918,250 | 4,703 |
| Average total loans | $68,505,250 | 4,358 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 3,709 |
| Cost of funding earning assets | 0.6281% | 2,699 |
| Net interest margin | 3.4801% | 3,870 |
| Noninterest income to average assets | 0.8935% | 1,830 |
| Noninterest expense to average assets | 2.9914% | 3,024 |
| Loan and lease loss provision to assets | 0.0430% | 4,099 |
| Net operating income to assets | 0.9556% | 2,536 |
| Return on assets (ROA) | 1.1564% | 1,832 |
| Pretax return on assets | 1.2217% | 2,583 |
| Return on Equity (ROE) | 12.3132% | 1,400 |
| Retained earnings to average equity (ytd only) | 7.4831% | 1,675 |
| Net charge-offs to loans | 0.0117% | 4,639 |
| Credit loss provision to net charge-offs | 625.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 153.2500% | 323 |
| Efficiency ratio | 73.9592% | 3,141 |
| Assets per employee ($millions) | 4.6644% | 2,568 |
| Cash dividends to net income (ytd only)* | 39.2273% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 4,189 |
| Loan loss allowance to noncurrent loans | 198.7152% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 1.4346% | 2,948 |
| Noncurrent loans to loans | 0.6870% | 4,564 |
| Net loans and leases to total assets | 59.8919% | 3,675 |
| Net loans and leases to deposits | 73.0579% | 3,291 |
| Net loans and leases to core deposits | 74.8381% | 3,686 |
| Total domestic deposits to total assets | 81.9787% | 5,069 |
| Equity capital to assets | 9.4511% | 4,648 |
| Core capital (leverage) ratio | 8.9393% | 5,088 |
| Tier 1 risk-based capital ratio | 14.6592% | 3,993 |
| Total risk-based capital ratio | 15.9097% | 3,952 |
| Memoranda: | ||
| Average total assets | $116,398,670 | 4,435 |
| Average earning assets | $105,399,000 | 4,450 |
| Average equity | $10,931,330 | 4,738 |
| Average total loans | $68,576,330 | 4,366 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 3,832 |
| Cost of funding earning assets | 0.6228% | 2,898 |
| Net interest margin | 3.4497% | 3,912 |
| Noninterest income to average assets | 0.9071% | 1,737 |
| Noninterest expense to average assets | 2.8797% | 3,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0952% | 1,875 |
| Return on assets (ROA) | 1.2105% | 1,612 |
| Pretax return on assets | 1.2679% | 2,347 |
| Return on Equity (ROE) | 12.9288% | 1,190 |
| Retained earnings to average equity (ytd only) | 7.0946% | 2,111 |
| Net charge-offs to loans | -0.0058% | 5,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5243% | 3,704 |
| Assets per employee ($millions) | 4.9807% | 2,237 |
| Cash dividends to net income (ytd only)* | 45.1253% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 4,567 |
| Loan loss allowance to noncurrent loans | 112.5155% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.9550% | 2,403 |
| Noncurrent loans to loans | 1.1803% | 3,799 |
| Net loans and leases to total assets | 56.4361% | 4,019 |
| Net loans and leases to deposits | 68.4109% | 3,720 |
| Net loans and leases to core deposits | 69.9559% | 4,089 |
| Total domestic deposits to total assets | 82.4958% | 5,030 |
| Equity capital to assets | 9.3377% | 5,084 |
| Core capital (leverage) ratio | 8.7204% | 5,298 |
| Tier 1 risk-based capital ratio | 13.8680% | 4,598 |
| Total risk-based capital ratio | 15.1069% | 4,571 |
| Memoranda: | ||
| Average total assets | $118,625,500 | 4,423 |
| Average earning assets | $107,256,500 | 4,439 |
| Average equity | $11,107,000 | 4,750 |
| Average total loans | $68,877,500 | 4,381 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 4,069 |
| Cost of funding earning assets | 0.7767% | 2,857 |
| Net interest margin | 3.5585% | 4,274 |
| Noninterest income to average assets | 0.9680% | 1,640 |
| Noninterest expense to average assets | 2.9921% | 3,306 |
| Loan and lease loss provision to assets | 0.1045% | 4,334 |
| Net operating income to assets | 1.0394% | 2,170 |
| Return on assets (ROA) | 1.1165% | 2,056 |
| Pretax return on assets | 1.1684% | 2,909 |
| Return on Equity (ROE) | 12.1979% | 1,448 |
| Retained earnings to average equity (ytd only) | 8.2357% | 1,054 |
| Net charge-offs to loans | 0.0624% | 5,071 |
| Credit loss provision to net charge-offs | 288.0952% | 846 |
| Earnings coverage of net charge-offs (x) | 32.8810% | 945 |
| Efficiency ratio | 71.5023% | 3,518 |
| Assets per employee ($millions) | 4.7086% | 2,633 |
| Cash dividends to net income (ytd only)* | 32.4826% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 4,595 |
| Loan loss allowance to noncurrent loans | 11,337.5000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 1.6336% | 2,953 |
| Noncurrent loans to loans | 0.0115% | 6,526 |
| Net loans and leases to total assets | 58.1732% | 3,946 |
| Net loans and leases to deposits | 70.2944% | 3,669 |
| Net loans and leases to core deposits | 71.8959% | 4,053 |
| Total domestic deposits to total assets | 82.7565% | 4,819 |
| Equity capital to assets | 9.3889% | 5,013 |
| Core capital (leverage) ratio | 8.6756% | 5,362 |
| Tier 1 risk-based capital ratio | 13.4727% | 4,768 |
| Total risk-based capital ratio | 14.6975% | 4,747 |
| Memoranda: | ||
| Average total assets | $115,803,800 | 4,443 |
| Average earning assets | $104,677,800 | 4,475 |
| Average equity | $10,600,200 | 4,844 |
| Average total loans | $67,341,600 | 4,444 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 4,276 |
| Cost of funding earning assets | 0.8149% | 2,820 |
| Net interest margin | 3.5303% | 4,527 |
| Noninterest income to average assets | 1.0243% | 1,441 |
| Noninterest expense to average assets | 3.0151% | 3,186 |
| Loan and lease loss provision to assets | 0.1052% | 4,256 |
| Net operating income to assets | 1.0266% | 2,379 |
| Return on assets (ROA) | 1.0266% | 2,598 |
| Pretax return on assets | 1.0995% | 3,355 |
| Return on Equity (ROE) | 11.2896% | 1,859 |
| Retained earnings to average equity (ytd only) | 7.4756% | 1,861 |
| Net charge-offs to loans | 0.0459% | 5,009 |
| Credit loss provision to net charge-offs | 395.6522% | 681 |
| Earnings coverage of net charge-offs (x) | 45.2983% | 807 |
| Efficiency ratio | 71.4521% | 3,421 |
| Assets per employee ($millions) | 4.6632% | 2,655 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 4,672 |
| Loan loss allowance to noncurrent loans | 560.0000% | 686 |
| Noncurrent assets plus other real estate owned to assets | 1.7928% | 2,923 |
| Noncurrent loans to loans | 0.2376% | 6,011 |
| Net loans and leases to total assets | 56.9926% | 4,296 |
| Net loans and leases to deposits | 70.7530% | 3,794 |
| Net loans and leases to core deposits | 72.6603% | 4,176 |
| Total domestic deposits to total assets | 80.5516% | 5,496 |
| Equity capital to assets | 9.3841% | 5,360 |
| Core capital (leverage) ratio | 8.2650% | 6,068 |
| Tier 1 risk-based capital ratio | 13.4340% | 4,919 |
| Total risk-based capital ratio | 14.6775% | 4,886 |
| Memoranda: | ||
| Average total assets | $115,326,250 | 4,497 |
| Average earning assets | $104,390,000 | 4,528 |
| Average equity | $10,487,250 | 4,918 |
| Average total loans | $66,830,750 | 4,511 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3019% | 4,566 |
| Cost of funding earning assets | 0.8424% | 2,860 |
| Net interest margin | 3.4595% | 4,844 |
| Noninterest income to average assets | 0.8546% | 1,949 |
| Noninterest expense to average assets | 2.7309% | 4,286 |
| Loan and lease loss provision to assets | 0.1218% | 3,999 |
| Net operating income to assets | 1.0739% | 2,151 |
| Return on assets (ROA) | 1.0739% | 2,371 |
| Pretax return on assets | 1.1470% | 3,129 |
| Return on Equity (ROE) | 11.9385% | 1,683 |
| Retained earnings to average equity (ytd only) | 8.0686% | 1,614 |
| Net charge-offs to loans | 0.0570% | 4,616 |
| Credit loss provision to net charge-offs | 368.4211% | 803 |
| Earnings coverage of net charge-offs (x) | 38.3684% | 906 |
| Efficiency ratio | 68.2768% | 4,070 |
| Assets per employee ($millions) | 4.6932% | 2,576 |
| Cash dividends to net income (ytd only)* | 32.4149% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 4,758 |
| Loan loss allowance to noncurrent loans | 149.2360% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 2.2969% | 2,438 |
| Noncurrent loans to loans | 0.8891% | 4,713 |
| Net loans and leases to total assets | 55.7112% | 4,510 |
| Net loans and leases to deposits | 70.7202% | 3,794 |
| Net loans and leases to core deposits | 72.6160% | 4,225 |
| Total domestic deposits to total assets | 78.7770% | 5,999 |
| Equity capital to assets | 9.0599% | 5,636 |
| Core capital (leverage) ratio | 8.0478% | 6,224 |
| Tier 1 risk-based capital ratio | 13.3628% | 4,923 |
| Total risk-based capital ratio | 14.5981% | 4,894 |
| Memoranda: | ||
| Average total assets | $114,908,330 | 4,532 |
| Average earning assets | $104,465,000 | 4,550 |
| Average equity | $10,336,330 | 4,956 |
| Average total loans | $66,661,670 | 4,535 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4033% | 4,317 |
| Cost of funding earning assets | 0.8350% | 3,184 |
| Net interest margin | 3.5683% | 4,400 |
| Noninterest income to average assets | 0.7142% | 2,588 |
| Noninterest expense to average assets | 2.6456% | 4,641 |
| Loan and lease loss provision to assets | 0.1724% | 3,243 |
| Net operating income to assets | 1.0695% | 2,208 |
| Return on assets (ROA) | 1.0695% | 2,398 |
| Pretax return on assets | 1.1434% | 3,147 |
| Return on Equity (ROE) | 11.9339% | 1,692 |
| Retained earnings to average equity (ytd only) | 8.0082% | 1,976 |
| Net charge-offs to loans | -0.0179% | 6,140 |
| Credit loss provision to net charge-offs | -1,633.3333% | 6,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7851% | 4,404 |
| Assets per employee ($millions) | 4.7058% | 2,653 |
| Cash dividends to net income (ytd only)* | 32.8947% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 4,924 |
| Loan loss allowance to noncurrent loans | 215.6863% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 2.0010% | 2,895 |
| Noncurrent loans to loans | 0.6125% | 5,434 |
| Net loans and leases to total assets | 55.8737% | 4,408 |
| Net loans and leases to deposits | 70.2182% | 3,708 |
| Net loans and leases to core deposits | 71.7575% | 4,187 |
| Total domestic deposits to total assets | 79.5714% | 5,954 |
| Equity capital to assets | 8.7382% | 5,826 |
| Core capital (leverage) ratio | 8.2932% | 5,885 |
| Tier 1 risk-based capital ratio | 12.9797% | 5,235 |
| Total risk-based capital ratio | 14.2085% | 5,216 |
| Memoranda: | ||
| Average total assets | $113,697,500 | 4,603 |
| Average earning assets | $103,467,000 | 4,619 |
| Average equity | $10,189,500 | 4,995 |
| Average total loans | $66,870,000 | 4,551 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 4,752 |
| Cost of funding earning assets | 0.9613% | 3,635 |
| Net interest margin | 3.6191% | 4,657 |
| Noninterest income to average assets | 0.5806% | 3,294 |
| Noninterest expense to average assets | 2.8197% | 4,271 |
| Loan and lease loss provision to assets | 0.2161% | 4,032 |
| Net operating income to assets | 0.7255% | 3,354 |
| Return on assets (ROA) | 0.9609% | 2,486 |
| Pretax return on assets | 1.0184% | 3,170 |
| Return on Equity (ROE) | 11.5373% | 1,546 |
| Retained earnings to average equity (ytd only) | 7.5282% | 1,266 |
| Net charge-offs to loans | 0.7389% | 2,300 |
| Credit loss provision to net charge-offs | 50.3240% | 5,415 |
| Earnings coverage of net charge-offs (x) | 2.2916% | 4,076 |
| Efficiency ratio | 74.1283% | 3,217 |
| Assets per employee ($millions) | 4.3900% | 3,083 |
| Cash dividends to net income (ytd only)* | 34.7490% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 5,247 |
| Loan loss allowance to noncurrent loans | 608.8235% | 586 |
| Noncurrent assets plus other real estate owned to assets | 2.0337% | 2,915 |
| Noncurrent loans to loans | 0.2026% | 6,342 |
| Net loans and leases to total assets | 60.4095% | 3,917 |
| Net loans and leases to deposits | 77.4587% | 2,926 |
| Net loans and leases to core deposits | 78.5545% | 3,621 |
| Total domestic deposits to total assets | 77.9893% | 6,197 |
| Equity capital to assets | 9.2017% | 5,281 |
| Core capital (leverage) ratio | 8.1936% | 6,014 |
| Tier 1 risk-based capital ratio | 12.9803% | 5,087 |
| Total risk-based capital ratio | 14.1605% | 5,121 |
| Memoranda: | ||
| Average total assets | $107,811,400 | 4,691 |
| Average earning assets | $96,018,200 | 4,751 |
| Average equity | $8,979,600 | 5,280 |
| Average total loans | $62,660,400 | 4,764 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 4,387 |
| Cost of funding earning assets | 0.9850% | 3,782 |
| Net interest margin | 3.7295% | 4,205 |
| Noninterest income to average assets | 0.5454% | 3,546 |
| Noninterest expense to average assets | 2.8610% | 4,101 |
| Loan and lease loss provision to assets | 0.2298% | 3,716 |
| Net operating income to assets | 0.7409% | 3,425 |
| Return on assets (ROA) | 1.0696% | 2,219 |
| Pretax return on assets | 1.0920% | 3,049 |
| Return on Equity (ROE) | 13.1954% | 1,230 |
| Retained earnings to average equity (ytd only) | 11.3564% | 574 |
| Net charge-offs to loans | 0.8514% | 1,869 |
| Credit loss provision to net charge-offs | 47.0738% | 5,100 |
| Earnings coverage of net charge-offs (x) | 2.0203% | 4,133 |
| Efficiency ratio | 74.3623% | 3,110 |
| Assets per employee ($millions) | 4.3544% | 3,169 |
| Cash dividends to net income (ytd only)* | 13.9376% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 4,857 |
| Loan loss allowance to noncurrent loans | 167.6529% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 2.4472% | 2,635 |
| Noncurrent loans to loans | 0.7951% | 5,286 |
| Net loans and leases to total assets | 57.7972% | 4,542 |
| Net loans and leases to deposits | 73.0314% | 3,805 |
| Net loans and leases to core deposits | 74.5121% | 4,379 |
| Total domestic deposits to total assets | 79.1402% | 5,963 |
| Equity capital to assets | 9.1714% | 5,552 |
| Core capital (leverage) ratio | 8.5660% | 5,605 |
| Tier 1 risk-based capital ratio | 13.5408% | 4,706 |
| Total risk-based capital ratio | 14.7912% | 4,672 |
| Memoranda: | ||
| Average total assets | $107,326,500 | 4,733 |
| Average earning assets | $95,024,250 | 4,819 |
| Average equity | $8,699,750 | 5,387 |
| Average total loans | $61,543,500 | 4,847 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4704% | 5,449 |
| Cost of funding earning assets | 0.9997% | 3,948 |
| Net interest margin | 3.4708% | 5,288 |
| Noninterest income to average assets | 0.4438% | 4,326 |
| Noninterest expense to average assets | 2.9041% | 4,007 |
| Loan and lease loss provision to assets | 0.3333% | 2,783 |
| Net operating income to assets | 0.3277% | 5,263 |
| Return on assets (ROA) | 0.3277% | 5,396 |
| Pretax return on assets | 0.3333% | 5,588 |
| Return on Equity (ROE) | 4.2313% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.2313% | 3,505 |
| Net charge-offs to loans | 1.1283% | 1,387 |
| Credit loss provision to net charge-offs | 51.8950% | 4,536 |
| Earnings coverage of net charge-offs (x) | 1.0379% | 4,512 |
| Efficiency ratio | 81.3319% | 2,196 |
| Assets per employee ($millions) | 4.4035% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 4,352 |
| Loan loss allowance to noncurrent loans | 71.1554% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 3.2181% | 2,084 |
| Noncurrent loans to loans | 2.0355% | 3,434 |
| Net loans and leases to total assets | 57.4946% | 4,724 |
| Net loans and leases to deposits | 72.5534% | 4,027 |
| Net loans and leases to core deposits | 73.8227% | 4,600 |
| Total domestic deposits to total assets | 79.2445% | 6,025 |
| Equity capital to assets | 8.7479% | 5,876 |
| Core capital (leverage) ratio | 7.8216% | 6,495 |
| Tier 1 risk-based capital ratio | 13.2150% | 4,756 |
| Total risk-based capital ratio | 14.4665% | 4,732 |
| Memoranda: | ||
| Average total assets | $106,815,330 | 4,782 |
| Average earning assets | $96,232,330 | 4,806 |
| Average equity | $8,271,670 | 5,532 |
| Average total loans | $60,802,000 | 4,921 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 5,911 |
| Cost of funding earning assets | 1.1107% | 3,450 |
| Net interest margin | 3.2211% | 6,010 |
| Noninterest income to average assets | -0.1900% | 7,429 |
| Noninterest expense to average assets | 2.8571% | 4,240 |
| Loan and lease loss provision to assets | 0.6631% | 1,290 |
| Net operating income to assets | -0.7487% | 6,936 |
| Return on assets (ROA) | -0.7487% | 6,941 |
| Pretax return on assets | -0.7934% | 6,919 |
| Return on Equity (ROE) | -10.3276% | 7,035 |
| Retained earnings to average equity (ytd only) | -10.3276% | 6,882 |
| Net charge-offs to loans | 0.5499% | 2,118 |
| Credit loss provision to net charge-offs | 214.4578% | 1,399 |
| Earnings coverage of net charge-offs (x) | -0.4217% | 4,770 |
| Efficiency ratio | 104.7814% | 604 |
| Assets per employee ($millions) | 4.4971% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8987% | 2,695 |
| Loan loss allowance to noncurrent loans | 65.4742% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 2.6399% | 2,608 |
| Noncurrent loans to loans | 2.9000% | 2,593 |
| Net loans and leases to total assets | 52.9873% | 5,453 |
| Net loans and leases to deposits | 65.4860% | 5,046 |
| Net loans and leases to core deposits | 67.5282% | 5,350 |
| Total domestic deposits to total assets | 80.9138% | 5,688 |
| Equity capital to assets | 7.5809% | 6,826 |
| Core capital (leverage) ratio | 7.7724% | 6,485 |
| Tier 1 risk-based capital ratio | 12.5131% | 5,250 |
| Total risk-based capital ratio | 13.7690% | 5,226 |
| Memoranda: | ||
| Average total assets | $107,381,500 | 4,807 |
| Average earning assets | $97,234,000 | 4,816 |
| Average equity | $7,785,000 | 5,683 |
| Average total loans | $60,375,500 | 4,988 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 4,881 |
| Cost of funding earning assets | 1.3048% | 3,851 |
| Net interest margin | 3.6239% | 4,708 |
| Noninterest income to average assets | 0.6848% | 2,937 |
| Noninterest expense to average assets | 2.8779% | 4,320 |
| Loan and lease loss provision to assets | 0.7488% | 2,193 |
| Net operating income to assets | 0.3158% | 4,879 |
| Return on assets (ROA) | 0.3508% | 4,901 |
| Pretax return on assets | 0.3645% | 5,044 |
| Return on Equity (ROE) | 4.6817% | 4,217 |
| Retained earnings to average equity (ytd only) | 0.7365% | 5,191 |
| Net charge-offs to loans | 0.8935% | 2,403 |
| Credit loss provision to net charge-offs | 136.4452% | 2,811 |
| Earnings coverage of net charge-offs (x) | 1.9623% | 4,260 |
| Efficiency ratio | 72.7703% | 3,642 |
| Assets per employee ($millions) | 4.0934% | 3,595 |
| Cash dividends to net income (ytd only)* | 84.2697% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 2,983 |
| Loan loss allowance to noncurrent loans | 74.4023% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 2.7429% | 2,546 |
| Noncurrent loans to loans | 2.3690% | 3,152 |
| Net loans and leases to total assets | 57.6220% | 5,079 |
| Net loans and leases to deposits | 70.2452% | 4,785 |
| Net loans and leases to core deposits | 72.6037% | 5,151 |
| Total domestic deposits to total assets | 82.0298% | 5,175 |
| Equity capital to assets | 6.8861% | 7,144 |
| Core capital (leverage) ratio | 6.6480% | 7,158 |
| Tier 1 risk-based capital ratio | 10.9380% | 6,375 |
| Total risk-based capital ratio | 12.1938% | 6,342 |
| Memoranda: | ||
| Average total assets | $101,496,000 | 4,938 |
| Average earning assets | $91,587,600 | 4,962 |
| Average equity | $7,604,000 | 5,842 |
| Average total loans | $62,340,600 | 4,981 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9960% | 4,834 |
| Cost of funding earning assets | 1.3429% | 3,953 |
| Net interest margin | 3.6531% | 4,621 |
| Noninterest income to average assets | 0.6463% | 3,144 |
| Noninterest expense to average assets | 2.8394% | 4,313 |
| Loan and lease loss provision to assets | 0.4344% | 3,303 |
| Net operating income to assets | 0.6229% | 3,780 |
| Return on assets (ROA) | 0.9162% | 2,688 |
| Pretax return on assets | 0.9754% | 3,270 |
| Return on Equity (ROE) | 11.9844% | 1,508 |
| Retained earnings to average equity (ytd only) | 6.8187% | 1,933 |
| Net charge-offs to loans | 1.1909% | 1,712 |
| Credit loss provision to net charge-offs | 58.7189% | 5,729 |
| Earnings coverage of net charge-offs (x) | 1.4840% | 4,616 |
| Efficiency ratio | 72.1163% | 3,675 |
| Assets per employee ($millions) | 4.1691% | 3,504 |
| Cash dividends to net income (ytd only)* | 43.1033% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 6,425 |
| Loan loss allowance to noncurrent loans | 40.4283% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 3.1969% | 2,244 |
| Noncurrent loans to loans | 2.4560% | 3,169 |
| Net loans and leases to total assets | 59.6016% | 4,981 |
| Net loans and leases to deposits | 73.4369% | 4,606 |
| Net loans and leases to core deposits | 75.6439% | 5,103 |
| Total domestic deposits to total assets | 81.1604% | 5,316 |
| Equity capital to assets | 7.7159% | 6,988 |
| Core capital (leverage) ratio | 7.2152% | 7,048 |
| Tier 1 risk-based capital ratio | 11.1348% | 6,252 |
| Total risk-based capital ratio | 12.0954% | 6,488 |
| Memoranda: | ||
| Average total assets | $101,286,000 | 5,003 |
| Average earning assets | $91,244,500 | 5,033 |
| Average equity | $7,743,250 | 5,873 |
| Average total loans | $62,919,250 | 5,032 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0824% | 4,549 |
| Cost of funding earning assets | 1.3968% | 3,896 |
| Net interest margin | 3.6856% | 4,425 |
| Noninterest income to average assets | 0.5962% | 3,363 |
| Noninterest expense to average assets | 2.8274% | 4,371 |
| Loan and lease loss provision to assets | 0.4008% | 3,319 |
| Net operating income to assets | 0.6281% | 3,740 |
| Return on assets (ROA) | 0.6281% | 3,881 |
| Pretax return on assets | 0.6879% | 4,280 |
| Return on Equity (ROE) | 8.2421% | 2,789 |
| Retained earnings to average equity (ytd only) | 3.0090% | 4,207 |
| Net charge-offs to loans | 0.9908% | 1,867 |
| Credit loss provision to net charge-offs | 64.4231% | 5,113 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 4,205 |
| Efficiency ratio | 72.1996% | 3,781 |
| Assets per employee ($millions) | 3.9001% | 3,975 |
| Cash dividends to net income (ytd only)* | 63.4921% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 5,556 |
| Loan loss allowance to noncurrent loans | 31.5254% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 3.6091% | 1,945 |
| Noncurrent loans to loans | 3.7427% | 2,079 |
| Net loans and leases to total assets | 63.9078% | 4,281 |
| Net loans and leases to deposits | 80.8837% | 3,453 |
| Net loans and leases to core deposits | 83.5472% | 4,204 |
| Total domestic deposits to total assets | 79.0119% | 6,037 |
| Equity capital to assets | 7.9844% | 6,765 |
| Core capital (leverage) ratio | 6.9406% | 7,224 |
| Tier 1 risk-based capital ratio | 10.9614% | 6,274 |
| Total risk-based capital ratio | 12.1365% | 6,349 |
| Memoranda: | ||
| Average total assets | $100,305,670 | 5,064 |
| Average earning assets | $90,351,670 | 5,082 |
| Average equity | $7,643,670 | 5,912 |
| Average total loans | $62,977,670 | 5,060 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9360% | 5,286 |
| Cost of funding earning assets | 1.3716% | 4,348 |
| Net interest margin | 3.5644% | 4,881 |
| Noninterest income to average assets | 0.8928% | 1,656 |
| Noninterest expense to average assets | 2.8631% | 4,211 |
| Loan and lease loss provision to assets | 0.1023% | 5,608 |
| Net operating income to assets | 1.0776% | 1,904 |
| Return on assets (ROA) | 1.0776% | 1,981 |
| Pretax return on assets | 1.1366% | 2,600 |
| Return on Equity (ROE) | 14.4725% | 959 |
| Retained earnings to average equity (ytd only) | 9.1905% | 1,349 |
| Net charge-offs to loans | 0.0127% | 5,405 |
| Credit loss provision to net charge-offs | 1,300.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 157.5000% | 212 |
| Efficiency ratio | 69.7987% | 4,348 |
| Assets per employee ($millions) | 4.2114% | 3,441 |
| Cash dividends to net income (ytd only)* | 36.4964% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 4,447 |
| Loan loss allowance to noncurrent loans | 40.0638% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 3.3015% | 2,174 |
| Noncurrent loans to loans | 3.4817% | 2,289 |
| Net loans and leases to total assets | 59.0164% | 5,285 |
| Net loans and leases to deposits | 73.7519% | 4,786 |
| Net loans and leases to core deposits | 75.9600% | 5,263 |
| Total domestic deposits to total assets | 80.0201% | 5,781 |
| Equity capital to assets | 7.2859% | 7,220 |
| Core capital (leverage) ratio | 6.9639% | 7,274 |
| Tier 1 risk-based capital ratio | 10.4921% | 6,637 |
| Total risk-based capital ratio | 11.7439% | 6,626 |
| Memoranda: | ||
| Average total assets | $101,707,000 | 5,095 |
| Average earning assets | $91,572,000 | 5,117 |
| Average equity | $7,573,000 | 5,986 |
| Average total loans | $62,938,500 | 5,134 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4257% | 4,560 |
| Cost of funding earning assets | 1.7279% | 4,366 |
| Net interest margin | 3.6977% | 4,156 |
| Noninterest income to average assets | 1.0572% | 1,383 |
| Noninterest expense to average assets | 3.1141% | 3,677 |
| Loan and lease loss provision to assets | 0.5327% | 3,710 |
| Net operating income to assets | 0.7290% | 2,815 |
| Return on assets (ROA) | 0.7949% | 2,642 |
| Pretax return on assets | 0.8308% | 3,147 |
| Return on Equity (ROE) | 10.5662% | 1,530 |
| Retained earnings to average equity (ytd only) | 4.5750% | 2,053 |
| Net charge-offs to loans | 0.6135% | 3,373 |
| Credit loss provision to net charge-offs | 130.3258% | 3,912 |
| Earnings coverage of net charge-offs (x) | 3.1679% | 3,474 |
| Efficiency ratio | 70.6320% | 4,505 |
| Assets per employee ($millions) | 3.6344% | 4,686 |
| Cash dividends to net income (ytd only)* | 56.7010% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 4,434 |
| Loan loss allowance to noncurrent loans | 51.3205% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 3.3517% | 2,034 |
| Noncurrent loans to loans | 2.6502% | 2,900 |
| Net loans and leases to total assets | 63.1899% | 4,772 |
| Net loans and leases to deposits | 78.2472% | 4,323 |
| Net loans and leases to core deposits | 90.9314% | 5,024 |
| Total domestic deposits to total assets | 80.7568% | 5,419 |
| Equity capital to assets | 7.6176% | 6,934 |
| Core capital (leverage) ratio | 6.9022% | 7,313 |
| Tier 1 risk-based capital ratio | 10.4423% | 6,454 |
| Total risk-based capital ratio | 11.6928% | 6,425 |
| Memoranda: | ||
| Average total assets | $97,619,400 | 5,150 |
| Average earning assets | $88,487,000 | 5,171 |
| Average equity | $7,344,200 | 6,156 |
| Average total loans | $65,031,600 | 5,067 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4751% | 4,546 |
| Cost of funding earning assets | 1.7990% | 4,386 |
| Net interest margin | 3.6761% | 4,183 |
| Noninterest income to average assets | 1.1050% | 1,293 |
| Noninterest expense to average assets | 3.3027% | 2,914 |
| Loan and lease loss provision to assets | 0.1422% | 5,935 |
| Net operating income to assets | 0.9491% | 2,235 |
| Return on assets (ROA) | 1.0353% | 2,012 |
| Pretax return on assets | 1.0968% | 2,585 |
| Return on Equity (ROE) | 13.8044% | 966 |
| Retained earnings to average equity (ytd only) | 7.6043% | 1,262 |
| Net charge-offs to loans | 0.2135% | 4,694 |
| Credit loss provision to net charge-offs | 99.0476% | 5,164 |
| Earnings coverage of net charge-offs (x) | 7.9903% | 2,322 |
| Efficiency ratio | 74.2163% | 3,834 |
| Assets per employee ($millions) | 3.7242% | 4,369 |
| Cash dividends to net income (ytd only)* | 44.9139% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 5,446 |
| Loan loss allowance to noncurrent loans | 31.1650% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 3.5046% | 1,894 |
| Noncurrent loans to loans | 3.6717% | 2,033 |
| Net loans and leases to total assets | 62.9757% | 5,073 |
| Net loans and leases to deposits | 78.3441% | 4,690 |
| Net loans and leases to core deposits | 90.8275% | 5,357 |
| Total domestic deposits to total assets | 80.3835% | 5,296 |
| Equity capital to assets | 7.6865% | 7,164 |
| Core capital (leverage) ratio | 7.0900% | 7,366 |
| Tier 1 risk-based capital ratio | 10.4367% | 6,540 |
| Total risk-based capital ratio | 11.5622% | 6,613 |
| Memoranda: | ||
| Average total assets | $97,492,250 | 5,192 |
| Average earning assets | $88,715,250 | 5,206 |
| Average equity | $7,311,500 | 6,223 |
| Average total loans | $65,574,000 | 5,081 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5761% | 4,184 |
| Cost of funding earning assets | 1.8974% | 4,278 |
| Net interest margin | 3.6787% | 4,049 |
| Noninterest income to average assets | 1.0718% | 1,380 |
| Noninterest expense to average assets | 3.2051% | 3,324 |
| Loan and lease loss provision to assets | 0.0062% | 7,128 |
| Net operating income to assets | 1.1553% | 1,595 |
| Return on assets (ROA) | 1.2439% | 1,450 |
| Pretax return on assets | 1.3061% | 2,009 |
| Return on Equity (ROE) | 16.7310% | 608 |
| Retained earnings to average equity (ytd only) | 10.0386% | 725 |
| Net charge-offs to loans | 0.0242% | 6,151 |
| Credit loss provision to net charge-offs | 37.5000% | 5,937 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 513 |
| Efficiency ratio | 72.4461% | 4,323 |
| Assets per employee ($millions) | 3.5846% | 4,610 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 5,517 |
| Loan loss allowance to noncurrent loans | 26.4610% | 6,740 |
| Noncurrent assets plus other real estate owned to assets | 3.5181% | 1,765 |
| Noncurrent loans to loans | 4.2008% | 1,575 |
| Net loans and leases to total assets | 67.0080% | 4,358 |
| Net loans and leases to deposits | 84.9807% | 3,732 |
| Net loans and leases to core deposits | 98.5848% | 4,640 |
| Total domestic deposits to total assets | 78.8508% | 5,851 |
| Equity capital to assets | 7.5436% | 7,225 |
| Core capital (leverage) ratio | 6.9561% | 7,570 |
| Tier 1 risk-based capital ratio | 10.2829% | 6,613 |
| Total risk-based capital ratio | 11.3953% | 6,703 |
| Memoranda: | ||
| Average total assets | $96,472,000 | 5,265 |
| Average earning assets | $87,911,330 | 5,269 |
| Average equity | $7,172,330 | 6,312 |
| Average total loans | $66,079,670 | 5,108 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6128% | 4,279 |
| Cost of funding earning assets | 1.9869% | 4,197 |
| Net interest margin | 3.6259% | 4,210 |
| Noninterest income to average assets | 0.9843% | 1,530 |
| Noninterest expense to average assets | 3.1770% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0341% | 2,180 |
| Return on assets (ROA) | 1.0341% | 2,317 |
| Pretax return on assets | 1.0964% | 2,998 |
| Return on Equity (ROE) | 14.0124% | 1,167 |
| Retained earnings to average equity (ytd only) | 6.1339% | 2,569 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3440% | 3,764 |
| Assets per employee ($millions) | 3.6684% | 4,408 |
| Cash dividends to net income (ytd only)* | 56.2249% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 5,347 |
| Loan loss allowance to noncurrent loans | 148.5830% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1550% | 4,361 |
| Noncurrent loans to loans | 0.7517% | 5,551 |
| Net loans and leases to total assets | 65.6076% | 4,667 |
| Net loans and leases to deposits | 83.3073% | 4,089 |
| Net loans and leases to core deposits | 95.5099% | 5,021 |
| Total domestic deposits to total assets | 78.7537% | 5,807 |
| Equity capital to assets | 7.2894% | 7,503 |
| Core capital (leverage) ratio | 6.8503% | 7,729 |
| Tier 1 risk-based capital ratio | 9.3186% | 7,569 |
| Total risk-based capital ratio | 10.3774% | 7,729 |
| Memoranda: | ||
| Average total assets | $96,316,000 | 5,293 |
| Average earning assets | $87,371,500 | 5,307 |
| Average equity | $7,108,000 | 6,369 |
| Average total loans | $66,328,500 | 5,125 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1349% | 4,865 |
| Cost of funding earning assets | 2.4408% | 4,523 |
| Net interest margin | 3.6941% | 4,496 |
| Noninterest income to average assets | 1.1838% | 1,090 |
| Noninterest expense to average assets | 3.3915% | 2,704 |
| Loan and lease loss provision to assets | 0.3460% | 3,629 |
| Net operating income to assets | 0.7673% | 3,582 |
| Return on assets (ROA) | 0.9031% | 2,830 |
| Pretax return on assets | 0.9455% | 3,566 |
| Return on Equity (ROE) | 12.1923% | 1,549 |
| Retained earnings to average equity (ytd only) | 3.9662% | 2,663 |
| Net charge-offs to loans | 0.1080% | 5,204 |
| Credit loss provision to net charge-offs | 481.8182% | 913 |
| Earnings coverage of net charge-offs (x) | 16.0152% | 1,883 |
| Efficiency ratio | 74.6766% | 3,465 |
| Assets per employee ($millions) | 3.4661% | 4,763 |
| Cash dividends to net income (ytd only)* | 67.4699% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 5,316 |
| Loan loss allowance to noncurrent loans | 67.5875% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.1605% | 3,947 |
| Noncurrent loans to loans | 1.6223% | 3,334 |
| Net loans and leases to total assets | 70.7450% | 3,848 |
| Net loans and leases to deposits | 91.4523% | 3,224 |
| Net loans and leases to core deposits | 105.6675% | 4,228 |
| Total domestic deposits to total assets | 77.3572% | 5,905 |
| Equity capital to assets | 7.4756% | 7,402 |
| Core capital (leverage) ratio | 6.8060% | 7,814 |
| Tier 1 risk-based capital ratio | 9.4120% | 7,403 |
| Total risk-based capital ratio | 10.4999% | 7,510 |
| Memoranda: | ||
| Average total assets | $91,905,000 | 5,295 |
| Average earning assets | $83,538,400 | 5,313 |
| Average equity | $6,807,600 | 6,520 |
| Average total loans | $61,117,000 | 5,216 |