Home > Home State Bank > Performance and Condition Ratios
Home 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 | 5.9576% | 672 |
| Cost of funding earning assets | 2.3192% | 526 |
| Net interest margin | 3.6384% | 1,884 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.6391% | 1,893 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 1.2273% | 1,585 |
| Return on assets (ROA) | 1.2273% | 1,560 |
| Pretax return on assets | 1.2855% | 1,909 |
| Return on Equity (ROE) | 14.5100% | 1,381 |
| Retained earnings to average equity (ytd only) | 5.9531% | 2,263 |
| Net charge-offs to loans | 0.1889% | 565 |
| Credit loss provision to net charge-offs | 164.4737% | 1,383 |
| Earnings coverage of net charge-offs (x) | 9.9638% | 2,260 |
| Efficiency ratio | 62.2370% | 2,808 |
| Assets per employee ($millions) | 6.6388% | 2,310 |
| Cash dividends to net income (ytd only)* | 58.9770% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 2,724 |
| Loan loss allowance to noncurrent loans | 250.7916% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 1,298 |
| Noncurrent loans to loans | 0.4469% | 1,660 |
| Net loans and leases to total assets | 80.2000% | 625 |
| Net loans and leases to deposits | 89.5194% | 1,306 |
| Net loans and leases to core deposits | 130.2986% | 397 |
| Total domestic deposits to total assets | 89.6000% | 875 |
| Equity capital to assets | 8.2731% | 3,222 |
| Core capital (leverage) ratio | 8.8546% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8212% | 2,839 |
| Memoranda: | ||
| Average total assets | $393,468,000 | 2,034 |
| Average earning assets | $369,698,600 | 2,010 |
| Average equity | $33,276,600 | 2,130 |
| Average total loans | $321,846,000 | 1,717 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8849% | 617 |
| Cost of funding earning assets | 2.1706% | 524 |
| Net interest margin | 3.7143% | 1,749 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.6151% | 1,895 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.4301% | 1,256 |
| Return on assets (ROA) | 1.4301% | 1,239 |
| Pretax return on assets | 1.4997% | 1,552 |
| Return on Equity (ROE) | 16.8100% | 1,110 |
| Retained earnings to average equity (ytd only) | 8.1669% | 1,897 |
| Net charge-offs to loans | 0.0206% | 1,706 |
| Credit loss provision to net charge-offs | 510.2041% | 620 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 950 |
| Efficiency ratio | 61.3260% | 2,805 |
| Assets per employee ($millions) | 6.8306% | 2,086 |
| Cash dividends to net income (ytd only)* | 51.4203% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 2,855 |
| Loan loss allowance to noncurrent loans | 78.6835% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.1402% | 409 |
| Noncurrent loans to loans | 1.4017% | 540 |
| Net loans and leases to total assets | 80.3200% | 603 |
| Net loans and leases to deposits | 89.3234% | 1,286 |
| Net loans and leases to core deposits | 118.7718% | 587 |
| Total domestic deposits to total assets | 89.9200% | 960 |
| Equity capital to assets | 8.2915% | 2,858 |
| Core capital (leverage) ratio | 9.0714% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1390% | 2,799 |
| Memoranda: | ||
| Average total assets | $387,273,250 | 2,049 |
| Average earning assets | $364,315,000 | 2,025 |
| Average equity | $32,945,250 | 2,131 |
| Average total loans | $317,493,250 | 1,728 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6930% | 647 |
| Cost of funding earning assets | 1.9499% | 555 |
| Net interest margin | 3.7431% | 1,729 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.6459% | 1,806 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.4768% | 1,152 |
| Return on assets (ROA) | 1.4768% | 1,142 |
| Pretax return on assets | 1.5454% | 1,508 |
| Return on Equity (ROE) | 17.2100% | 1,058 |
| Retained earnings to average equity (ytd only) | 8.5212% | 1,812 |
| Net charge-offs to loans | -0.0312% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.0471% | 2,838 |
| Assets per employee ($millions) | 6.5131% | 2,273 |
| Cash dividends to net income (ytd only)* | 50.4786% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 2,972 |
| Loan loss allowance to noncurrent loans | 407.6836% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,077 |
| Noncurrent loans to loans | 0.2688% | 2,191 |
| Net loans and leases to total assets | 81.9700% | 432 |
| Net loans and leases to deposits | 91.1351% | 1,095 |
| Net loans and leases to core deposits | 121.9902% | 472 |
| Total domestic deposits to total assets | 89.9400% | 932 |
| Equity capital to assets | 8.3886% | 2,958 |
| Core capital (leverage) ratio | 9.1718% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9652% | 2,849 |
| Memoranda: | ||
| Average total assets | $382,029,667 | 2,069 |
| Average earning assets | $360,125,667 | 2,042 |
| Average equity | $32,788,667 | 2,148 |
| Average total loans | $314,218,000 | 1,730 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5098% | 615 |
| Cost of funding earning assets | 1.6846% | 597 |
| Net interest margin | 3.8251% | 1,634 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.6945% | 1,693 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.5150% | 1,159 |
| Return on assets (ROA) | 1.5150% | 1,138 |
| Pretax return on assets | 1.5940% | 1,474 |
| Return on Equity (ROE) | 17.4400% | 1,107 |
| Retained earnings to average equity (ytd only) | 8.6842% | 2,030 |
| Net charge-offs to loans | -0.0783% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.7483% | 2,851 |
| Assets per employee ($millions) | 6.4184% | 2,391 |
| Cash dividends to net income (ytd only)* | 50.2116% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 2,792 |
| Loan loss allowance to noncurrent loans | 453.9052% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 2,108 |
| Noncurrent loans to loans | 0.2546% | 2,233 |
| Net loans and leases to total assets | 80.0600% | 536 |
| Net loans and leases to deposits | 88.1545% | 1,193 |
| Net loans and leases to core deposits | 110.7319% | 678 |
| Total domestic deposits to total assets | 90.8200% | 857 |
| Equity capital to assets | 8.6927% | 2,746 |
| Core capital (leverage) ratio | 9.3221% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3276% | 2,896 |
| Memoranda: | ||
| Average total assets | $374,393,500 | 2,135 |
| Average earning assets | $351,884,500 | 2,110 |
| Average equity | $32,519,000 | 2,185 |
| Average total loans | $306,696,000 | 1,768 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7362% | 482 |
| Cost of funding earning assets | 0.5908% | 935 |
| Net interest margin | 4.1455% | 610 |
| Noninterest income to average assets | 1.1000% | 545 |
| Noninterest expense to average assets | 2.9017% | 1,121 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.8082% | 434 |
| Return on assets (ROA) | 1.8082% | 419 |
| Pretax return on assets | 1.8977% | 590 |
| Return on Equity (ROE) | 21.0700% | 391 |
| Retained earnings to average equity (ytd only) | 12.3799% | 610 |
| Net charge-offs to loans | 0.1206% | 636 |
| Credit loss provision to net charge-offs | 182.8571% | 1,174 |
| Earnings coverage of net charge-offs (x) | 20.9029% | 1,872 |
| Efficiency ratio | 57.3613% | 3,420 |
| Assets per employee ($millions) | 5.9694% | 2,797 |
| Cash dividends to net income (ytd only)* | 41.2514% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 2,846 |
| Loan loss allowance to noncurrent loans | 400.1174% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 1,992 |
| Noncurrent loans to loans | 0.2778% | 2,160 |
| Net loans and leases to total assets | 81.9400% | 411 |
| Net loans and leases to deposits | 90.3774% | 1,029 |
| Net loans and leases to core deposits | 106.7808% | 720 |
| Total domestic deposits to total assets | 90.6700% | 1,073 |
| Equity capital to assets | 8.6787% | 2,576 |
| Core capital (leverage) ratio | 9.4357% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1345% | 2,949 |
| Memoranda: | ||
| Average total assets | $351,790,800 | 2,220 |
| Average earning assets | $329,397,200 | 2,201 |
| Average equity | $30,186,000 | 2,328 |
| Average total loans | $290,297,600 | 1,769 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 442 |
| Cost of funding earning assets | 0.4230% | 1,137 |
| Net interest margin | 4.1579% | 461 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 2.8585% | 1,127 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.9718% | 301 |
| Return on assets (ROA) | 1.9718% | 300 |
| Pretax return on assets | 2.0705% | 401 |
| Return on Equity (ROE) | 23.0500% | 252 |
| Retained earnings to average equity (ytd only) | 14.6651% | 395 |
| Net charge-offs to loans | 0.0005% | 2,327 |
| Credit loss provision to net charge-offs | 16,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 5,557.0000% | 19 |
| Efficiency ratio | 56.3572% | 3,589 |
| Assets per employee ($millions) | 5.7667% | 2,971 |
| Cash dividends to net income (ytd only)* | 36.3778% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 3,087 |
| Loan loss allowance to noncurrent loans | 208.3122% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 1,227 |
| Noncurrent loans to loans | 0.5204% | 1,499 |
| Net loans and leases to total assets | 83.7800% | 263 |
| Net loans and leases to deposits | 92.3241% | 750 |
| Net loans and leases to core deposits | 101.6065% | 756 |
| Total domestic deposits to total assets | 90.7400% | 1,337 |
| Equity capital to assets | 8.4120% | 2,599 |
| Core capital (leverage) ratio | 9.1361% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5239% | 3,098 |
| Memoranda: | ||
| Average total assets | $347,213,250 | 2,249 |
| Average earning assets | $324,997,750 | 2,230 |
| Average equity | $29,702,500 | 2,383 |
| Average total loans | $286,203,750 | 1,782 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4103% | 429 |
| Cost of funding earning assets | 0.3372% | 1,385 |
| Net interest margin | 4.0731% | 420 |
| Noninterest income to average assets | 1.3148% | 415 |
| Noninterest expense to average assets | 2.8513% | 1,076 |
| Loan and lease loss provision to assets | 0.0611% | 1,501 |
| Net operating income to assets | 2.1130% | 185 |
| Return on assets (ROA) | 2.1130% | 182 |
| Pretax return on assets | 2.2183% | 237 |
| Return on Equity (ROE) | 24.5588% | 124 |
| Retained earnings to average equity (ytd only) | 17.0397% | 149 |
| Net charge-offs to loans | 0.0007% | 2,129 |
| Credit loss provision to net charge-offs | 10,500.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 3,918.0000% | 17 |
| Efficiency ratio | 54.6887% | 3,895 |
| Assets per employee ($millions) | 5.6618% | 3,077 |
| Cash dividends to net income (ytd only)* | 30.6167% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 3,083 |
| Loan loss allowance to noncurrent loans | 166.9948% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 1,020 |
| Noncurrent loans to loans | 0.6700% | 1,284 |
| Net loans and leases to total assets | 82.4772% | 265 |
| Net loans and leases to deposits | 91.2981% | 645 |
| Net loans and leases to core deposits | 100.6594% | 645 |
| Total domestic deposits to total assets | 90.3384% | 1,557 |
| Equity capital to assets | 8.3441% | 2,876 |
| Core capital (leverage) ratio | 8.9193% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5675% | 3,063 |
| Memoranda: | ||
| Average total assets | $343,772,000 | 2,273 |
| Average earning assets | $322,067,000 | 2,265 |
| Average equity | $29,578,000 | 2,439 |
| Average total loans | $280,664,667 | 1,806 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 666 |
| Cost of funding earning assets | 0.3182% | 1,483 |
| Net interest margin | 3.7564% | 680 |
| Noninterest income to average assets | 1.8637% | 266 |
| Noninterest expense to average assets | 2.8632% | 1,032 |
| Loan and lease loss provision to assets | 0.0618% | 1,303 |
| Net operating income to assets | 2.3477% | 138 |
| Return on assets (ROA) | 2.3477% | 136 |
| Pretax return on assets | 2.4632% | 190 |
| Return on Equity (ROE) | 26.8776% | 77 |
| Retained earnings to average equity (ytd only) | 19.4539% | 108 |
| Net charge-offs to loans | 0.0014% | 1,788 |
| Credit loss provision to net charge-offs | 5,300.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 2,165.0000% | 26 |
| Efficiency ratio | 52.2944% | 4,181 |
| Assets per employee ($millions) | 6.0110% | 2,800 |
| Cash dividends to net income (ytd only)* | 27.6205% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 3,086 |
| Loan loss allowance to noncurrent loans | 127.0942% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 789 |
| Noncurrent loans to loans | 0.9067% | 1,015 |
| Net loans and leases to total assets | 78.0203% | 375 |
| Net loans and leases to deposits | 86.4693% | 708 |
| Net loans and leases to core deposits | 91.9767% | 815 |
| Total domestic deposits to total assets | 90.2289% | 1,424 |
| Equity capital to assets | 8.4973% | 3,165 |
| Core capital (leverage) ratio | 8.7253% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,974,000 | 2,288 |
| Average earning assets | $321,799,000 | 2,277 |
| Average equity | $29,958,000 | 2,484 |
| Average total loans | $276,960,500 | 1,805 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 671 |
| Cost of funding earning assets | 0.3927% | 1,598 |
| Net interest margin | 4.0425% | 654 |
| Noninterest income to average assets | 0.7986% | 1,450 |
| Noninterest expense to average assets | 2.9712% | 1,031 |
| Loan and lease loss provision to assets | 0.0684% | 1,704 |
| Net operating income to assets | 1.4802% | 1,062 |
| Return on assets (ROA) | 1.4926% | 1,089 |
| Pretax return on assets | 1.5672% | 1,514 |
| Return on Equity (ROE) | 16.5686% | 663 |
| Retained earnings to average equity (ytd only) | 6.5146% | 2,119 |
| Net charge-offs to loans | 0.0087% | 2,254 |
| Credit loss provision to net charge-offs | 1,000.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 237.2381% | 485 |
| Efficiency ratio | 64.1333% | 2,548 |
| Assets per employee ($millions) | 5.7171% | 3,038 |
| Cash dividends to net income (ytd only)* | 60.6808% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 3,279 |
| Loan loss allowance to noncurrent loans | 125.2108% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 836 |
| Noncurrent loans to loans | 0.8937% | 1,134 |
| Net loans and leases to total assets | 81.7120% | 197 |
| Net loans and leases to deposits | 91.6114% | 496 |
| Net loans and leases to core deposits | 103.3093% | 425 |
| Total domestic deposits to total assets | 89.1941% | 1,420 |
| Equity capital to assets | 8.9802% | 3,638 |
| Core capital (leverage) ratio | 8.7854% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,049,600 | 2,403 |
| Average earning assets | $288,265,000 | 2,387 |
| Average equity | $27,660,800 | 2,672 |
| Average total loans | $242,160,600 | 1,982 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 664 |
| Cost of funding earning assets | 0.4106% | 1,618 |
| Net interest margin | 4.0984% | 657 |
| Noninterest income to average assets | 0.6829% | 1,877 |
| Noninterest expense to average assets | 2.8123% | 1,314 |
| Loan and lease loss provision to assets | 0.0705% | 1,608 |
| Net operating income to assets | 1.5693% | 1,103 |
| Return on assets (ROA) | 1.5862% | 1,110 |
| Pretax return on assets | 1.6659% | 1,498 |
| Return on Equity (ROE) | 17.5925% | 678 |
| Retained earnings to average equity (ytd only) | 9.5838% | 1,456 |
| Net charge-offs to loans | 0.0063% | 2,086 |
| Credit loss provision to net charge-offs | 1,436.3636% | 418 |
| Earnings coverage of net charge-offs (x) | 350.9091% | 396 |
| Efficiency ratio | 61.5506% | 2,759 |
| Assets per employee ($millions) | 5.5350% | 3,156 |
| Cash dividends to net income (ytd only)* | 45.5234% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,853 |
| Loan loss allowance to noncurrent loans | 122.9816% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 923 |
| Noncurrent loans to loans | 0.9981% | 1,150 |
| Net loans and leases to total assets | 77.1286% | 465 |
| Net loans and leases to deposits | 85.6982% | 844 |
| Net loans and leases to core deposits | 92.8354% | 879 |
| Total domestic deposits to total assets | 90.0003% | 775 |
| Equity capital to assets | 8.6444% | 4,107 |
| Core capital (leverage) ratio | 8.8655% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,485,000 | 2,462 |
| Average earning assets | $281,173,500 | 2,446 |
| Average equity | $27,003,250 | 2,754 |
| Average total loans | $233,015,750 | 2,070 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 455 |
| Cost of funding earning assets | 0.4412% | 1,588 |
| Net interest margin | 4.3781% | 426 |
| Noninterest income to average assets | 0.6007% | 2,212 |
| Noninterest expense to average assets | 2.8635% | 1,225 |
| Loan and lease loss provision to assets | 0.0718% | 1,626 |
| Net operating income to assets | 1.6887% | 892 |
| Return on assets (ROA) | 1.7147% | 900 |
| Pretax return on assets | 1.8002% | 1,235 |
| Return on Equity (ROE) | 18.7336% | 568 |
| Retained earnings to average equity (ytd only) | 10.9741% | 1,129 |
| Net charge-offs to loans | 0.0097% | 1,785 |
| Credit loss provision to net charge-offs | 954.5455% | 490 |
| Earnings coverage of net charge-offs (x) | 245.0909% | 441 |
| Efficiency ratio | 59.3954% | 3,096 |
| Assets per employee ($millions) | 5.0590% | 3,609 |
| Cash dividends to net income (ytd only)* | 41.4206% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 2,467 |
| Loan loss allowance to noncurrent loans | 121.0484% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.8517% | 918 |
| Noncurrent loans to loans | 1.0691% | 1,137 |
| Net loans and leases to total assets | 78.6313% | 399 |
| Net loans and leases to deposits | 88.3007% | 759 |
| Net loans and leases to core deposits | 103.2110% | 554 |
| Total domestic deposits to total assets | 89.0495% | 1,261 |
| Equity capital to assets | 9.3010% | 3,505 |
| Core capital (leverage) ratio | 8.8533% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,303,333 | 2,486 |
| Average earning assets | $274,230,000 | 2,479 |
| Average equity | $26,754,000 | 2,764 |
| Average total loans | $227,126,667 | 2,109 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8492% | 450 |
| Cost of funding earning assets | 0.4685% | 1,599 |
| Net interest margin | 4.3807% | 443 |
| Noninterest income to average assets | 0.6033% | 2,190 |
| Noninterest expense to average assets | 2.8107% | 1,346 |
| Loan and lease loss provision to assets | 0.0727% | 1,723 |
| Net operating income to assets | 1.7385% | 883 |
| Return on assets (ROA) | 1.7385% | 933 |
| Pretax return on assets | 1.8221% | 1,252 |
| Return on Equity (ROE) | 19.1501% | 610 |
| Retained earnings to average equity (ytd only) | 12.2935% | 1,077 |
| Net charge-offs to loans | -0.0107% | 3,694 |
| Credit loss provision to net charge-offs | -883.3333% | 3,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2751% | 3,265 |
| Assets per employee ($millions) | 5.7521% | 2,850 |
| Cash dividends to net income (ytd only)* | 35.8044% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,498 |
| Loan loss allowance to noncurrent loans | 133.0218% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.8351% | 1,063 |
| Noncurrent loans to loans | 0.9669% | 1,399 |
| Net loans and leases to total assets | 76.6923% | 569 |
| Net loans and leases to deposits | 85.5454% | 990 |
| Net loans and leases to core deposits | 99.7617% | 726 |
| Total domestic deposits to total assets | 89.6510% | 995 |
| Equity capital to assets | 8.9010% | 3,785 |
| Core capital (leverage) ratio | 8.8544% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,745,000 | 2,476 |
| Average earning assets | $273,197,000 | 2,468 |
| Average equity | $26,485,500 | 2,770 |
| Average total loans | $223,817,500 | 2,126 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 1,237 |
| Cost of funding earning assets | 0.7182% | 1,630 |
| Net interest margin | 3.8117% | 1,469 |
| Noninterest income to average assets | 0.6854% | 1,911 |
| Noninterest expense to average assets | 2.7769% | 2,007 |
| Loan and lease loss provision to assets | 0.0756% | 3,438 |
| Net operating income to assets | 1.3784% | 1,069 |
| Return on assets (ROA) | 1.3784% | 1,161 |
| Pretax return on assets | 1.4478% | 1,519 |
| Return on Equity (ROE) | 15.2158% | 602 |
| Retained earnings to average equity (ytd only) | 7.2723% | 1,290 |
| Net charge-offs to loans | 0.0337% | 2,373 |
| Credit loss provision to net charge-offs | 287.6712% | 1,783 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 1,087 |
| Efficiency ratio | 62.9183% | 2,994 |
| Assets per employee ($millions) | 5.8037% | 2,541 |
| Cash dividends to net income (ytd only)* | 52.2057% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 2,138 |
| Loan loss allowance to noncurrent loans | 164.9409% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 1,458 |
| Noncurrent loans to loans | 0.8255% | 1,696 |
| Net loans and leases to total assets | 74.6609% | 945 |
| Net loans and leases to deposits | 83.6821% | 1,490 |
| Net loans and leases to core deposits | 98.3318% | 995 |
| Total domestic deposits to total assets | 89.2197% | 888 |
| Equity capital to assets | 9.2647% | 3,830 |
| Core capital (leverage) ratio | 8.8462% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,935,800 | 2,412 |
| Average earning assets | $263,581,200 | 2,375 |
| Average equity | $25,177,800 | 2,788 |
| Average total loans | $216,594,600 | 2,126 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6251% | 1,238 |
| Cost of funding earning assets | 0.7796% | 1,590 |
| Net interest margin | 3.8455% | 1,486 |
| Noninterest income to average assets | 0.6659% | 1,922 |
| Noninterest expense to average assets | 2.6871% | 2,296 |
| Loan and lease loss provision to assets | 0.0764% | 3,365 |
| Net operating income to assets | 1.4818% | 938 |
| Return on assets (ROA) | 1.4818% | 1,023 |
| Pretax return on assets | 1.5561% | 1,310 |
| Return on Equity (ROE) | 16.4536% | 496 |
| Retained earnings to average equity (ytd only) | 8.4170% | 1,164 |
| Net charge-offs to loans | 0.0098% | 2,753 |
| Credit loss provision to net charge-offs | 987.5000% | 833 |
| Earnings coverage of net charge-offs (x) | 211.4375% | 479 |
| Efficiency ratio | 60.5563% | 3,292 |
| Assets per employee ($millions) | 5.6675% | 2,564 |
| Cash dividends to net income (ytd only)* | 48.8440% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 1,962 |
| Loan loss allowance to noncurrent loans | 140.4113% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.8433% | 1,376 |
| Noncurrent loans to loans | 0.9603% | 1,567 |
| Net loans and leases to total assets | 77.3503% | 919 |
| Net loans and leases to deposits | 86.9415% | 1,596 |
| Net loans and leases to core deposits | 102.0567% | 1,025 |
| Total domestic deposits to total assets | 88.9683% | 782 |
| Equity capital to assets | 9.4048% | 3,766 |
| Core capital (leverage) ratio | 8.8991% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,325,000 | 2,397 |
| Average earning assets | $262,532,250 | 2,360 |
| Average equity | $24,885,500 | 2,799 |
| Average total loans | $216,930,500 | 2,122 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7623% | 1,255 |
| Cost of funding earning assets | 0.8556% | 1,574 |
| Net interest margin | 3.9068% | 1,549 |
| Noninterest income to average assets | 0.6452% | 1,951 |
| Noninterest expense to average assets | 2.6209% | 2,594 |
| Loan and lease loss provision to assets | 0.0761% | 3,341 |
| Net operating income to assets | 1.5827% | 788 |
| Return on assets (ROA) | 1.5827% | 861 |
| Pretax return on assets | 1.6660% | 1,062 |
| Return on Equity (ROE) | 17.8389% | 382 |
| Retained earnings to average equity (ytd only) | 9.6671% | 848 |
| Net charge-offs to loans | 0.0148% | 2,449 |
| Credit loss provision to net charge-offs | 656.2500% | 1,043 |
| Earnings coverage of net charge-offs (x) | 150.1875% | 531 |
| Efficiency ratio | 58.4081% | 3,644 |
| Assets per employee ($millions) | 5.9557% | 2,223 |
| Cash dividends to net income (ytd only)* | 45.8085% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 2,019 |
| Loan loss allowance to noncurrent loans | 128.5905% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 1,422 |
| Noncurrent loans to loans | 1.0083% | 1,538 |
| Net loans and leases to total assets | 76.7757% | 1,024 |
| Net loans and leases to deposits | 85.7974% | 1,790 |
| Net loans and leases to core deposits | 109.0280% | 769 |
| Total domestic deposits to total assets | 89.4848% | 578 |
| Equity capital to assets | 8.9778% | 4,110 |
| Core capital (leverage) ratio | 8.7958% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,864,000 | 2,372 |
| Average earning assets | $262,518,667 | 2,350 |
| Average equity | $24,474,667 | 2,815 |
| Average total loans | $216,659,333 | 2,114 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 1,684 |
| Cost of funding earning assets | 1.0131% | 1,366 |
| Net interest margin | 3.6960% | 2,339 |
| Noninterest income to average assets | 0.6409% | 1,860 |
| Noninterest expense to average assets | 2.8266% | 2,352 |
| Loan and lease loss provision to assets | 0.0783% | 2,739 |
| Net operating income to assets | 1.1977% | 1,524 |
| Return on assets (ROA) | 1.1977% | 1,637 |
| Pretax return on assets | 1.2597% | 1,991 |
| Return on Equity (ROE) | 13.5849% | 778 |
| Retained earnings to average equity (ytd only) | 5.2095% | 2,188 |
| Net charge-offs to loans | 0.0318% | 1,751 |
| Credit loss provision to net charge-offs | 311.7647% | 1,149 |
| Earnings coverage of net charge-offs (x) | 53.2941% | 856 |
| Efficiency ratio | 66.0638% | 2,952 |
| Assets per employee ($millions) | 5.4172% | 2,209 |
| Cash dividends to net income (ytd only)* | 61.6523% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 1,911 |
| Loan loss allowance to noncurrent loans | 141.2881% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.8491% | 1,577 |
| Noncurrent loans to loans | 0.9557% | 1,721 |
| Net loans and leases to total assets | 77.8920% | 1,000 |
| Net loans and leases to deposits | 87.1187% | 1,852 |
| Net loans and leases to core deposits | 102.9605% | 1,249 |
| Total domestic deposits to total assets | 89.4090% | 504 |
| Equity capital to assets | 8.9775% | 4,611 |
| Core capital (leverage) ratio | 8.5196% | 4,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0096% | 3,098 |
| Memoranda: | ||
| Average total assets | $270,859,500 | 2,365 |
| Average earning assets | $258,222,000 | 2,331 |
| Average equity | $23,879,500 | 2,860 |
| Average total loans | $213,807,000 | 2,093 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 1,884 |
| Cost of funding earning assets | 1.0905% | 1,366 |
| Net interest margin | 3.7625% | 2,631 |
| Noninterest income to average assets | 0.6754% | 1,900 |
| Noninterest expense to average assets | 2.6526% | 3,018 |
| Loan and lease loss provision to assets | 0.0804% | 2,390 |
| Net operating income to assets | 1.4522% | 1,181 |
| Return on assets (ROA) | 1.4522% | 1,241 |
| Pretax return on assets | 1.5283% | 1,720 |
| Return on Equity (ROE) | 16.5781% | 467 |
| Retained earnings to average equity (ytd only) | 5.8493% | 1,946 |
| Net charge-offs to loans | 0.0590% | 2,260 |
| Credit loss provision to net charge-offs | 165.3543% | 1,569 |
| Earnings coverage of net charge-offs (x) | 33.1024% | 1,477 |
| Efficiency ratio | 60.8387% | 3,561 |
| Assets per employee ($millions) | 5.7558% | 1,828 |
| Cash dividends to net income (ytd only)* | 64.7167% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 2,025 |
| Loan loss allowance to noncurrent loans | 177.1718% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 1,773 |
| Noncurrent loans to loans | 0.7233% | 2,069 |
| Net loans and leases to total assets | 77.9044% | 1,096 |
| Net loans and leases to deposits | 87.4383% | 1,921 |
| Net loans and leases to core deposits | 115.1103% | 634 |
| Total domestic deposits to total assets | 89.0965% | 632 |
| Equity capital to assets | 8.6612% | 4,847 |
| Core capital (leverage) ratio | 8.2702% | 4,956 |
| Tier 1 risk-based capital ratio | 10.1121% | 5,108 |
| Total risk-based capital ratio | 11.3196% | 5,069 |
| Memoranda: | ||
| Average total assets | $261,330,200 | 2,391 |
| Average earning assets | $249,062,200 | 2,344 |
| Average equity | $22,891,600 | 2,875 |
| Average total loans | $215,208,200 | 2,054 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8335% | 2,017 |
| Cost of funding earning assets | 1.0933% | 1,382 |
| Net interest margin | 3.7402% | 2,789 |
| Noninterest income to average assets | 0.6982% | 1,795 |
| Noninterest expense to average assets | 2.6475% | 3,018 |
| Loan and lease loss provision to assets | 0.0818% | 2,274 |
| Net operating income to assets | 1.4550% | 1,319 |
| Return on assets (ROA) | 1.4550% | 1,373 |
| Pretax return on assets | 1.5316% | 1,865 |
| Return on Equity (ROE) | 16.5600% | 530 |
| Retained earnings to average equity (ytd only) | 5.7085% | 2,506 |
| Net charge-offs to loans | 0.0261% | 2,571 |
| Credit loss provision to net charge-offs | 376.1905% | 806 |
| Earnings coverage of net charge-offs (x) | 74.2125% | 909 |
| Efficiency ratio | 60.2284% | 3,599 |
| Assets per employee ($millions) | 5.4186% | 2,107 |
| Cash dividends to net income (ytd only)* | 65.5283% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 1,885 |
| Loan loss allowance to noncurrent loans | 146.6286% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 1,619 |
| Noncurrent loans to loans | 0.8999% | 1,778 |
| Net loans and leases to total assets | 81.2817% | 663 |
| Net loans and leases to deposits | 91.9505% | 1,441 |
| Net loans and leases to core deposits | 125.0365% | 387 |
| Total domestic deposits to total assets | 88.3972% | 874 |
| Equity capital to assets | 9.0418% | 4,762 |
| Core capital (leverage) ratio | 8.9279% | 4,686 |
| Tier 1 risk-based capital ratio | 9.5506% | 5,230 |
| Total risk-based capital ratio | 10.7240% | 5,218 |
| Memoranda: | ||
| Average total assets | $257,593,500 | 2,430 |
| Average earning assets | $245,362,750 | 2,382 |
| Average equity | $22,632,250 | 2,923 |
| Average total loans | $214,503,750 | 2,079 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 2,192 |
| Cost of funding earning assets | 1.0521% | 1,488 |
| Net interest margin | 3.7065% | 2,914 |
| Noninterest income to average assets | 0.7034% | 1,700 |
| Noninterest expense to average assets | 2.7870% | 2,639 |
| Loan and lease loss provision to assets | 0.0818% | 2,203 |
| Net operating income to assets | 1.3032% | 1,755 |
| Return on assets (ROA) | 1.3032% | 1,820 |
| Pretax return on assets | 1.3717% | 2,299 |
| Return on Equity (ROE) | 14.9794% | 765 |
| Retained earnings to average equity (ytd only) | 3.9844% | 3,259 |
| Net charge-offs to loans | 0.0391% | 2,101 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 44.4286% | 1,183 |
| Efficiency ratio | 63.8317% | 3,158 |
| Assets per employee ($millions) | 5.7811% | 1,710 |
| Cash dividends to net income (ytd only)* | 73.4011% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 2,078 |
| Loan loss allowance to noncurrent loans | 125.4069% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.9860% | 1,410 |
| Noncurrent loans to loans | 1.0250% | 1,596 |
| Net loans and leases to total assets | 83.7480% | 378 |
| Net loans and leases to deposits | 94.4478% | 1,209 |
| Net loans and leases to core deposits | 121.3088% | 507 |
| Total domestic deposits to total assets | 88.6711% | 797 |
| Equity capital to assets | 9.0074% | 4,791 |
| Core capital (leverage) ratio | 8.7167% | 4,828 |
| Tier 1 risk-based capital ratio | 10.2134% | 5,194 |
| Total risk-based capital ratio | 11.4634% | 5,118 |
| Memoranda: | ||
| Average total assets | $256,760,330 | 2,440 |
| Average earning assets | $245,029,330 | 2,388 |
| Average equity | $22,337,330 | 2,940 |
| Average total loans | $214,593,330 | 2,084 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6460% | 2,393 |
| Cost of funding earning assets | 0.9825% | 1,643 |
| Net interest margin | 3.6636% | 3,032 |
| Noninterest income to average assets | 0.6776% | 1,691 |
| Noninterest expense to average assets | 2.7509% | 2,740 |
| Loan and lease loss provision to assets | 0.0806% | 2,087 |
| Net operating income to assets | 1.2777% | 1,784 |
| Return on assets (ROA) | 1.2777% | 1,826 |
| Pretax return on assets | 1.3444% | 2,274 |
| Return on Equity (ROE) | 14.9478% | 756 |
| Retained earnings to average equity (ytd only) | 3.8095% | 3,398 |
| Net charge-offs to loans | 0.0037% | 2,590 |
| Credit loss provision to net charge-offs | 2,600.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 459.5000% | 168 |
| Efficiency ratio | 64.0178% | 3,242 |
| Assets per employee ($millions) | 5.6797% | 1,813 |
| Cash dividends to net income (ytd only)* | 74.5146% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 2,153 |
| Loan loss allowance to noncurrent loans | 115.5230% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.0369% | 1,343 |
| Noncurrent loans to loans | 1.1139% | 1,501 |
| Net loans and leases to total assets | 81.0680% | 703 |
| Net loans and leases to deposits | 90.3253% | 1,586 |
| Net loans and leases to core deposits | 110.4343% | 908 |
| Total domestic deposits to total assets | 89.7511% | 543 |
| Equity capital to assets | 8.5407% | 4,962 |
| Core capital (leverage) ratio | 8.6533% | 4,913 |
| Tier 1 risk-based capital ratio | 10.1546% | 5,254 |
| Total risk-based capital ratio | 11.4047% | 5,205 |
| Memoranda: | ||
| Average total assets | $257,956,500 | 2,458 |
| Average earning assets | $246,318,000 | 2,408 |
| Average equity | $22,050,000 | 2,967 |
| Average total loans | $213,989,000 | 2,104 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 2,058 |
| Cost of funding earning assets | 0.8080% | 1,481 |
| Net interest margin | 3.8188% | 2,596 |
| Noninterest income to average assets | 0.7276% | 1,745 |
| Noninterest expense to average assets | 2.6909% | 3,053 |
| Loan and lease loss provision to assets | 0.0999% | 2,185 |
| Net operating income to assets | 1.4935% | 1,140 |
| Return on assets (ROA) | 1.4779% | 1,173 |
| Pretax return on assets | 1.5554% | 1,603 |
| Return on Equity (ROE) | 17.3187% | 463 |
| Retained earnings to average equity (ytd only) | 4.7663% | 2,908 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0404% | 3,681 |
| Assets per employee ($millions) | 5.9220% | 1,573 |
| Cash dividends to net income (ytd only)* | 72.4790% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 2,189 |
| Loan loss allowance to noncurrent loans | 285.3684% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 2,587 |
| Noncurrent loans to loans | 0.4451% | 2,942 |
| Net loans and leases to total assets | 82.7432% | 549 |
| Net loans and leases to deposits | 92.9091% | 1,408 |
| Net loans and leases to core deposits | 117.8244% | 626 |
| Total domestic deposits to total assets | 89.0582% | 832 |
| Equity capital to assets | 8.5554% | 4,892 |
| Core capital (leverage) ratio | 8.5495% | 4,998 |
| Tier 1 risk-based capital ratio | 10.1044% | 5,277 |
| Total risk-based capital ratio | 11.3502% | 5,230 |
| Memoranda: | ||
| Average total assets | $250,288,200 | 2,470 |
| Average earning assets | $238,244,200 | 2,425 |
| Average equity | $21,358,400 | 2,953 |
| Average total loans | $207,632,200 | 2,113 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,992 |
| Cost of funding earning assets | 0.7651% | 1,508 |
| Net interest margin | 3.8287% | 2,533 |
| Noninterest income to average assets | 0.7335% | 1,737 |
| Noninterest expense to average assets | 2.7233% | 2,907 |
| Loan and lease loss provision to assets | 0.1059% | 1,894 |
| Net operating income to assets | 1.4660% | 1,287 |
| Return on assets (ROA) | 1.4451% | 1,343 |
| Pretax return on assets | 1.5211% | 1,834 |
| Return on Equity (ROE) | 16.9458% | 548 |
| Retained earnings to average equity (ytd only) | 5.0442% | 3,216 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6373% | 3,566 |
| Assets per employee ($millions) | 5.7417% | 1,700 |
| Cash dividends to net income (ytd only)* | 70.2333% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 2,147 |
| Loan loss allowance to noncurrent loans | 545.7906% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 3,384 |
| Noncurrent loans to loans | 0.2362% | 3,856 |
| Net loans and leases to total assets | 80.5656% | 934 |
| Net loans and leases to deposits | 90.9886% | 1,759 |
| Net loans and leases to core deposits | 110.4499% | 1,007 |
| Total domestic deposits to total assets | 88.5447% | 1,030 |
| Equity capital to assets | 8.4695% | 4,944 |
| Core capital (leverage) ratio | 8.6252% | 5,013 |
| Tier 1 risk-based capital ratio | 10.3650% | 5,277 |
| Total risk-based capital ratio | 11.6151% | 5,197 |
| Memoranda: | ||
| Average total assets | $249,198,500 | 2,493 |
| Average earning assets | $236,834,250 | 2,449 |
| Average equity | $21,251,500 | 2,979 |
| Average total loans | $206,186,750 | 2,137 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 1,992 |
| Cost of funding earning assets | 0.7056% | 1,590 |
| Net interest margin | 3.8263% | 2,476 |
| Noninterest income to average assets | 0.7321% | 1,729 |
| Noninterest expense to average assets | 2.7123% | 2,971 |
| Loan and lease loss provision to assets | 0.1169% | 1,696 |
| Net operating income to assets | 1.4617% | 1,249 |
| Return on assets (ROA) | 1.4303% | 1,338 |
| Pretax return on assets | 1.5077% | 1,791 |
| Return on Equity (ROE) | 16.7335% | 559 |
| Retained earnings to average equity (ytd only) | 6.2161% | 2,454 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4207% | 3,709 |
| Assets per employee ($millions) | 5.6023% | 1,799 |
| Cash dividends to net income (ytd only)* | 62.8523% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,312 |
| Loan loss allowance to noncurrent loans | 744.5714% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 3,665 |
| Noncurrent loans to loans | 0.1708% | 4,143 |
| Net loans and leases to total assets | 80.2505% | 982 |
| Net loans and leases to deposits | 91.4550% | 1,652 |
| Net loans and leases to core deposits | 103.3105% | 1,452 |
| Total domestic deposits to total assets | 87.7487% | 1,507 |
| Equity capital to assets | 8.4707% | 4,967 |
| Core capital (leverage) ratio | 8.6259% | 5,017 |
| Tier 1 risk-based capital ratio | 10.3383% | 5,331 |
| Total risk-based capital ratio | 11.5859% | 5,244 |
| Memoranda: | ||
| Average total assets | $248,053,000 | 2,514 |
| Average earning assets | $235,841,000 | 2,468 |
| Average equity | $21,203,000 | 2,998 |
| Average total loans | $206,184,000 | 2,140 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 2,185 |
| Cost of funding earning assets | 0.6571% | 1,681 |
| Net interest margin | 3.7460% | 2,631 |
| Noninterest income to average assets | 0.7528% | 1,614 |
| Noninterest expense to average assets | 2.7590% | 2,845 |
| Loan and lease loss provision to assets | 0.0862% | 2,076 |
| Net operating income to assets | 1.3933% | 1,363 |
| Return on assets (ROA) | 1.3933% | 1,369 |
| Pretax return on assets | 1.4665% | 1,778 |
| Return on Equity (ROE) | 16.2257% | 589 |
| Retained earnings to average equity (ytd only) | 9.9399% | 1,179 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3107% | 3,590 |
| Assets per employee ($millions) | 5.5905% | 1,855 |
| Cash dividends to net income (ytd only)* | 38.7398% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 2,835 |
| Loan loss allowance to noncurrent loans | 701.9553% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 3,682 |
| Noncurrent loans to loans | 0.1702% | 4,216 |
| Net loans and leases to total assets | 84.4996% | 388 |
| Net loans and leases to deposits | 97.6143% | 899 |
| Net loans and leases to core deposits | 105.7244% | 1,259 |
| Total domestic deposits to total assets | 86.5648% | 2,283 |
| Equity capital to assets | 8.6377% | 4,870 |
| Core capital (leverage) ratio | 8.8004% | 4,891 |
| Tier 1 risk-based capital ratio | 10.0169% | 5,502 |
| Total risk-based capital ratio | 11.1908% | 5,460 |
| Memoranda: | ||
| Average total assets | $246,028,000 | 2,548 |
| Average earning assets | $233,744,000 | 2,504 |
| Average equity | $21,127,000 | 3,029 |
| Average total loans | $206,816,000 | 2,142 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 2,556 |
| Cost of funding earning assets | 0.5911% | 1,663 |
| Net interest margin | 3.6449% | 3,005 |
| Noninterest income to average assets | 0.7035% | 1,947 |
| Noninterest expense to average assets | 2.5293% | 3,681 |
| Loan and lease loss provision to assets | 0.1192% | 1,919 |
| Net operating income to assets | 1.4476% | 912 |
| Return on assets (ROA) | 1.4476% | 927 |
| Pretax return on assets | 1.5238% | 1,551 |
| Return on Equity (ROE) | 17.3254% | 367 |
| Retained earnings to average equity (ytd only) | 8.8054% | 542 |
| Net charge-offs to loans | 0.0026% | 4,015 |
| Credit loss provision to net charge-offs | 5,700.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 785.6000% | 106 |
| Efficiency ratio | 60.0602% | 4,255 |
| Assets per employee ($millions) | 5.2357% | 2,214 |
| Cash dividends to net income (ytd only)* | 49.1765% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,709 |
| Loan loss allowance to noncurrent loans | 5,859.5238% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 4,272 |
| Noncurrent loans to loans | 0.0207% | 4,924 |
| Net loans and leases to total assets | 81.6032% | 741 |
| Net loans and leases to deposits | 94.6395% | 1,203 |
| Net loans and leases to core deposits | 104.0640% | 1,410 |
| Total domestic deposits to total assets | 86.2254% | 2,339 |
| Equity capital to assets | 8.5368% | 5,095 |
| Core capital (leverage) ratio | 8.4851% | 5,150 |
| Tier 1 risk-based capital ratio | 10.0293% | 5,527 |
| Total risk-based capital ratio | 11.2051% | 5,492 |
| Memoranda: | ||
| Average total assets | $239,078,200 | 2,569 |
| Average earning assets | $227,523,400 | 2,521 |
| Average equity | $19,976,400 | 3,151 |
| Average total loans | $193,572,200 | 2,213 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 2,658 |
| Cost of funding earning assets | 0.5807% | 1,666 |
| Net interest margin | 3.6071% | 3,123 |
| Noninterest income to average assets | 0.6281% | 2,321 |
| Noninterest expense to average assets | 2.4247% | 3,951 |
| Loan and lease loss provision to assets | 0.0888% | 2,301 |
| Net operating income to assets | 1.4747% | 946 |
| Return on assets (ROA) | 1.4747% | 968 |
| Pretax return on assets | 1.5522% | 1,574 |
| Return on Equity (ROE) | 17.7491% | 356 |
| Retained earnings to average equity (ytd only) | 10.0748% | 570 |
| Net charge-offs to loans | 0.0035% | 3,612 |
| Credit loss provision to net charge-offs | 3,160.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 583.8936% | 178 |
| Efficiency ratio | 59.1267% | 4,334 |
| Assets per employee ($millions) | 5.0672% | 2,369 |
| Cash dividends to net income (ytd only)* | 43.2383% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 3,031 |
| Loan loss allowance to noncurrent loans | 674.2775% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 3,878 |
| Noncurrent loans to loans | 0.1753% | 4,369 |
| Net loans and leases to total assets | 80.1892% | 957 |
| Net loans and leases to deposits | 92.6759% | 1,465 |
| Net loans and leases to core deposits | 102.2522% | 1,528 |
| Total domestic deposits to total assets | 86.5265% | 2,090 |
| Equity capital to assets | 8.6117% | 5,217 |
| Core capital (leverage) ratio | 8.6337% | 5,121 |
| Tier 1 risk-based capital ratio | 10.2601% | 5,524 |
| Total risk-based capital ratio | 11.4159% | 5,512 |
| Memoranda: | ||
| Average total assets | $237,328,750 | 2,602 |
| Average earning assets | $226,175,250 | 2,556 |
| Average equity | $19,718,750 | 3,196 |
| Average total loans | $191,148,500 | 2,243 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 2,832 |
| Cost of funding earning assets | 0.5727% | 1,627 |
| Net interest margin | 3.5265% | 3,305 |
| Noninterest income to average assets | 0.5243% | 2,866 |
| Noninterest expense to average assets | 2.3462% | 4,224 |
| Loan and lease loss provision to assets | 0.0892% | 2,199 |
| Net operating income to assets | 1.3766% | 1,114 |
| Return on assets (ROA) | 1.3766% | 1,143 |
| Pretax return on assets | 1.4480% | 1,828 |
| Return on Equity (ROE) | 16.7792% | 433 |
| Retained earnings to average equity (ytd only) | 10.9065% | 453 |
| Net charge-offs to loans | 0.0053% | 3,280 |
| Credit loss provision to net charge-offs | 2,100.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 361.8000% | 237 |
| Efficiency ratio | 60.0000% | 4,317 |
| Assets per employee ($millions) | 5.0055% | 2,382 |
| Cash dividends to net income (ytd only)* | 35.0000% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 3,103 |
| Loan loss allowance to noncurrent loans | 252.6024% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 2,989 |
| Noncurrent loans to loans | 0.4701% | 3,334 |
| Net loans and leases to total assets | 79.0028% | 1,090 |
| Net loans and leases to deposits | 91.2932% | 1,572 |
| Net loans and leases to core deposits | 101.7426% | 1,533 |
| Total domestic deposits to total assets | 86.5374% | 2,157 |
| Equity capital to assets | 8.5381% | 5,278 |
| Core capital (leverage) ratio | 8.1848% | 5,438 |
| Tier 1 risk-based capital ratio | 10.3465% | 5,521 |
| Total risk-based capital ratio | 11.5116% | 5,491 |
| Memoranda: | ||
| Average total assets | $235,363,000 | 2,637 |
| Average earning assets | $224,185,330 | 2,585 |
| Average equity | $19,309,670 | 3,243 |
| Average total loans | $189,073,330 | 2,267 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 2,931 |
| Cost of funding earning assets | 0.5659% | 1,613 |
| Net interest margin | 3.4637% | 3,411 |
| Noninterest income to average assets | 0.2782% | 4,560 |
| Noninterest expense to average assets | 2.1364% | 4,782 |
| Loan and lease loss provision to assets | 0.0910% | 2,021 |
| Net operating income to assets | 1.2863% | 1,273 |
| Return on assets (ROA) | 1.2863% | 1,307 |
| Pretax return on assets | 1.3516% | 2,055 |
| Return on Equity (ROE) | 16.0150% | 526 |
| Retained earnings to average equity (ytd only) | 16.0150% | 199 |
| Net charge-offs to loans | 0.0107% | 2,607 |
| Credit loss provision to net charge-offs | 1,060.0000% | 297 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 326 |
| Efficiency ratio | 59.6929% | 4,497 |
| Assets per employee ($millions) | 6.7479% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 3,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 4,609 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 78.2044% | 1,103 |
| Net loans and leases to deposits | 89.8303% | 1,557 |
| Net loans and leases to core deposits | 98.6292% | 1,609 |
| Total domestic deposits to total assets | 87.0580% | 2,189 |
| Equity capital to assets | 8.0830% | 5,482 |
| Core capital (leverage) ratio | 8.2642% | 5,404 |
| Tier 1 risk-based capital ratio | 10.2566% | 5,631 |
| Total risk-based capital ratio | 11.4329% | 5,608 |
| Memoranda: | ||
| Average total assets | $232,912,000 | 2,687 |
| Average earning assets | $221,956,500 | 2,628 |
| Average equity | $18,707,500 | 3,322 |
| Average total loans | $187,561,500 | 2,293 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1324% | 2,727 |
| Cost of funding earning assets | 0.5760% | 1,510 |
| Net interest margin | 3.5564% | 3,227 |
| Noninterest income to average assets | 0.2922% | 4,651 |
| Noninterest expense to average assets | 2.1221% | 4,961 |
| Loan and lease loss provision to assets | 0.0954% | 2,453 |
| Net operating income to assets | 1.3895% | 1,028 |
| Return on assets (ROA) | 1.3878% | 1,069 |
| Pretax return on assets | 1.4591% | 1,718 |
| Return on Equity (ROE) | 16.9146% | 417 |
| Retained earnings to average equity (ytd only) | 7.5767% | 1,007 |
| Net charge-offs to loans | -0.0016% | 4,689 |
| Credit loss provision to net charge-offs | -7,000.0000% | 5,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6899% | 4,891 |
| Assets per employee ($millions) | 6.5614% | 1,122 |
| Cash dividends to net income (ytd only)* | 55.2063% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 3,378 |
| Loan loss allowance to noncurrent loans | 43,620.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 4,652 |
| Noncurrent loans to loans | 0.0027% | 5,310 |
| Net loans and leases to total assets | 80.9996% | 738 |
| Net loans and leases to deposits | 92.1783% | 1,431 |
| Net loans and leases to core deposits | 101.6420% | 1,473 |
| Total domestic deposits to total assets | 87.8727% | 1,692 |
| Equity capital to assets | 7.9796% | 5,576 |
| Core capital (leverage) ratio | 8.1427% | 5,537 |
| Tier 1 risk-based capital ratio | 9.7914% | 5,783 |
| Total risk-based capital ratio | 10.9346% | 5,781 |
| Memoranda: | ||
| Average total assets | $220,065,800 | 2,760 |
| Average earning assets | $209,537,800 | 2,697 |
| Average equity | $18,055,400 | 3,396 |
| Average total loans | $182,558,200 | 2,290 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 2,802 |
| Cost of funding earning assets | 0.5719% | 1,534 |
| Net interest margin | 3.5482% | 3,280 |
| Noninterest income to average assets | 0.2959% | 4,649 |
| Noninterest expense to average assets | 2.0759% | 5,053 |
| Loan and lease loss provision to assets | 0.0968% | 2,292 |
| Net operating income to assets | 1.4369% | 993 |
| Return on assets (ROA) | 1.4346% | 1,045 |
| Pretax return on assets | 1.5068% | 1,686 |
| Return on Equity (ROE) | 17.3593% | 409 |
| Retained earnings to average equity (ytd only) | 7.9829% | 1,181 |
| Net charge-offs to loans | -0.0037% | 4,559 |
| Credit loss provision to net charge-offs | -3,160.0000% | 5,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3800% | 5,020 |
| Assets per employee ($millions) | 6.2483% | 1,267 |
| Cash dividends to net income (ytd only)* | 54.0135% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 3,630 |
| Loan loss allowance to noncurrent loans | 505.9382% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 3,955 |
| Noncurrent loans to loans | 0.2248% | 4,466 |
| Net loans and leases to total assets | 84.6560% | 353 |
| Net loans and leases to deposits | 96.8057% | 972 |
| Net loans and leases to core deposits | 106.1031% | 1,176 |
| Total domestic deposits to total assets | 87.4494% | 1,690 |
| Equity capital to assets | 8.4699% | 5,545 |
| Core capital (leverage) ratio | 8.3848% | 5,438 |
| Tier 1 risk-based capital ratio | 9.7581% | 5,843 |
| Total risk-based capital ratio | 10.8884% | 5,846 |
| Memoranda: | ||
| Average total assets | $217,670,250 | 2,787 |
| Average earning assets | $207,723,250 | 2,728 |
| Average equity | $17,988,000 | 3,436 |
| Average total loans | $181,149,000 | 2,304 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0403% | 3,099 |
| Cost of funding earning assets | 0.5651% | 1,574 |
| Net interest margin | 3.4753% | 3,588 |
| Noninterest income to average assets | 0.2936% | 4,682 |
| Noninterest expense to average assets | 2.0835% | 5,095 |
| Loan and lease loss provision to assets | 0.0966% | 2,220 |
| Net operating income to assets | 1.3627% | 1,130 |
| Return on assets (ROA) | 1.3592% | 1,216 |
| Pretax return on assets | 1.4264% | 1,924 |
| Return on Equity (ROE) | 16.5865% | 473 |
| Retained earnings to average equity (ytd only) | 7.1197% | 1,544 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7109% | 4,947 |
| Assets per employee ($millions) | 6.1058% | 1,331 |
| Cash dividends to net income (ytd only)* | 57.0752% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 3,618 |
| Loan loss allowance to noncurrent loans | 492.3990% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 3,989 |
| Noncurrent loans to loans | 0.2344% | 4,502 |
| Net loans and leases to total assets | 83.0906% | 504 |
| Net loans and leases to deposits | 95.0080% | 1,188 |
| Net loans and leases to core deposits | 101.0293% | 1,558 |
| Total domestic deposits to total assets | 87.4565% | 1,686 |
| Equity capital to assets | 8.4814% | 5,607 |
| Core capital (leverage) ratio | 8.1064% | 5,667 |
| Tier 1 risk-based capital ratio | 9.9828% | 5,862 |
| Total risk-based capital ratio | 11.1359% | 5,839 |
| Memoranda: | ||
| Average total assets | $217,330,000 | 2,801 |
| Average earning assets | $207,408,670 | 2,737 |
| Average equity | $17,809,670 | 3,468 |
| Average total loans | $179,110,330 | 2,325 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 3,591 |
| Cost of funding earning assets | 0.5518% | 1,691 |
| Net interest margin | 3.3468% | 4,057 |
| Noninterest income to average assets | 0.2738% | 4,769 |
| Noninterest expense to average assets | 2.0498% | 5,220 |
| Loan and lease loss provision to assets | 0.0967% | 2,080 |
| Net operating income to assets | 1.2647% | 1,356 |
| Return on assets (ROA) | 1.2595% | 1,468 |
| Pretax return on assets | 1.3215% | 2,214 |
| Return on Equity (ROE) | 15.6356% | 580 |
| Retained earnings to average equity (ytd only) | 15.6356% | 208 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0121% | 4,872 |
| Assets per employee ($millions) | 6.3840% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,910 |
| Loan loss allowance to noncurrent loans | 479.8100% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 4,137 |
| Noncurrent loans to loans | 0.2346% | 4,593 |
| Net loans and leases to total assets | 79.4136% | 897 |
| Net loans and leases to deposits | 89.8627% | 1,591 |
| Net loans and leases to core deposits | 97.3875% | 1,680 |
| Total domestic deposits to total assets | 88.3722% | 1,425 |
| Equity capital to assets | 8.0662% | 5,795 |
| Core capital (leverage) ratio | 8.2362% | 5,622 |
| Tier 1 risk-based capital ratio | 10.0669% | 5,897 |
| Total risk-based capital ratio | 11.1965% | 5,889 |
| Memoranda: | ||
| Average total assets | $219,143,000 | 2,791 |
| Average earning assets | $209,514,000 | 2,726 |
| Average equity | $17,652,000 | 3,483 |
| Average total loans | $178,845,000 | 2,322 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 3,287 |
| Cost of funding earning assets | 0.4858% | 2,305 |
| Net interest margin | 3.5203% | 3,451 |
| Noninterest income to average assets | 0.2924% | 4,797 |
| Noninterest expense to average assets | 2.0949% | 5,266 |
| Loan and lease loss provision to assets | 0.0976% | 2,360 |
| Net operating income to assets | 1.3754% | 1,086 |
| Return on assets (ROA) | 1.3875% | 1,104 |
| Pretax return on assets | 1.4593% | 1,684 |
| Return on Equity (ROE) | 16.8259% | 476 |
| Retained earnings to average equity (ytd only) | 4.8725% | 2,514 |
| Net charge-offs to loans | 0.0065% | 4,221 |
| Credit loss provision to net charge-offs | 1,818.1818% | 187 |
| Earnings coverage of net charge-offs (x) | 287.5455% | 249 |
| Efficiency ratio | 57.5664% | 5,189 |
| Assets per employee ($millions) | 6.3190% | 1,189 |
| Cash dividends to net income (ytd only)* | 71.0415% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 4,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 4,899 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 82.0402% | 591 |
| Net loans and leases to deposits | 91.6680% | 1,436 |
| Net loans and leases to core deposits | 99.4207% | 1,561 |
| Total domestic deposits to total assets | 89.4972% | 858 |
| Equity capital to assets | 8.0434% | 5,835 |
| Core capital (leverage) ratio | 8.1181% | 5,767 |
| Tier 1 risk-based capital ratio | 9.8111% | 5,991 |
| Total risk-based capital ratio | 10.9264% | 6,004 |
| Memoranda: | ||
| Average total assets | $204,829,200 | 2,901 |
| Average earning assets | $194,727,400 | 2,830 |
| Average equity | $16,890,600 | 3,541 |
| Average total loans | $168,972,600 | 2,360 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 3,331 |
| Cost of funding earning assets | 0.4815% | 2,397 |
| Net interest margin | 3.5206% | 3,464 |
| Noninterest income to average assets | 0.2965% | 4,818 |
| Noninterest expense to average assets | 1.9967% | 5,487 |
| Loan and lease loss provision to assets | 0.0975% | 2,222 |
| Net operating income to assets | 1.4722% | 963 |
| Return on assets (ROA) | 1.4722% | 1,001 |
| Pretax return on assets | 1.5460% | 1,553 |
| Return on Equity (ROE) | 17.7371% | 422 |
| Retained earnings to average equity (ytd only) | 5.5101% | 2,571 |
| Net charge-offs to loans | 0.0096% | 3,833 |
| Credit loss provision to net charge-offs | 1,233.3333% | 308 |
| Earnings coverage of net charge-offs (x) | 207.8281% | 353 |
| Efficiency ratio | 54.8516% | 5,454 |
| Assets per employee ($millions) | 6.2431% | 1,206 |
| Cash dividends to net income (ytd only)* | 68.9346% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 4,072 |
| Loan loss allowance to noncurrent loans | 2,393.7500% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 4,875 |
| Noncurrent loans to loans | 0.0471% | 5,431 |
| Net loans and leases to total assets | 81.5316% | 635 |
| Net loans and leases to deposits | 91.9835% | 1,407 |
| Net loans and leases to core deposits | 98.5138% | 1,647 |
| Total domestic deposits to total assets | 88.6371% | 1,214 |
| Equity capital to assets | 8.3574% | 5,795 |
| Core capital (leverage) ratio | 8.3215% | 5,698 |
| Tier 1 risk-based capital ratio | 10.1765% | 5,989 |
| Total risk-based capital ratio | 11.3106% | 5,974 |
| Memoranda: | ||
| Average total assets | $202,324,750 | 2,945 |
| Average earning assets | $192,159,750 | 2,897 |
| Average equity | $16,793,000 | 3,586 |
| Average total loans | $166,658,500 | 2,404 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 3,484 |
| Cost of funding earning assets | 0.4821% | 2,412 |
| Net interest margin | 3.4684% | 3,626 |
| Noninterest income to average assets | 0.3153% | 4,697 |
| Noninterest expense to average assets | 1.9692% | 5,589 |
| Loan and lease loss provision to assets | 0.0945% | 2,235 |
| Net operating income to assets | 1.4839% | 926 |
| Return on assets (ROA) | 1.4839% | 975 |
| Pretax return on assets | 1.5575% | 1,463 |
| Return on Equity (ROE) | 17.9205% | 416 |
| Retained earnings to average equity (ytd only) | 5.1888% | 2,737 |
| Net charge-offs to loans | 0.0145% | 3,428 |
| Credit loss provision to net charge-offs | 791.6667% | 434 |
| Earnings coverage of net charge-offs (x) | 138.4167% | 457 |
| Efficiency ratio | 54.3807% | 5,554 |
| Assets per employee ($millions) | 6.6412% | 989 |
| Cash dividends to net income (ytd only)* | 71.0456% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 4,266 |
| Loan loss allowance to noncurrent loans | 20,688.8889% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 5,111 |
| Noncurrent loans to loans | 0.0054% | 5,753 |
| Net loans and leases to total assets | 80.4562% | 743 |
| Net loans and leases to deposits | 90.6548% | 1,517 |
| Net loans and leases to core deposits | 96.5983% | 1,751 |
| Total domestic deposits to total assets | 88.7500% | 1,269 |
| Equity capital to assets | 8.1816% | 5,890 |
| Core capital (leverage) ratio | 8.1554% | 5,827 |
| Tier 1 risk-based capital ratio | 10.4806% | 5,931 |
| Total risk-based capital ratio | 11.6339% | 5,905 |
| Memoranda: | ||
| Average total assets | $201,092,330 | 2,982 |
| Average earning assets | $191,673,670 | 2,918 |
| Average equity | $16,651,330 | 3,618 |
| Average total loans | $165,582,000 | 2,424 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 3,275 |
| Cost of funding earning assets | 0.4775% | 2,476 |
| Net interest margin | 3.5096% | 3,395 |
| Noninterest income to average assets | 0.2698% | 5,021 |
| Noninterest expense to average assets | 1.9748% | 5,628 |
| Loan and lease loss provision to assets | 0.0866% | 2,249 |
| Net operating income to assets | 1.4776% | 885 |
| Return on assets (ROA) | 1.4776% | 943 |
| Pretax return on assets | 1.5521% | 1,384 |
| Return on Equity (ROE) | 17.7348% | 410 |
| Retained earnings to average equity (ytd only) | 3.6968% | 3,792 |
| Net charge-offs to loans | 0.0292% | 2,599 |
| Credit loss provision to net charge-offs | 358.3333% | 717 |
| Earnings coverage of net charge-offs (x) | 67.8333% | 665 |
| Efficiency ratio | 54.6518% | 5,625 |
| Assets per employee ($millions) | 6.5815% | 1,031 |
| Cash dividends to net income (ytd only)* | 79.1553% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 4,518 |
| Loan loss allowance to noncurrent loans | 1,967.3913% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 4,988 |
| Noncurrent loans to loans | 0.0560% | 5,551 |
| Net loans and leases to total assets | 79.6881% | 722 |
| Net loans and leases to deposits | 89.7318% | 1,416 |
| Net loans and leases to core deposits | 96.0768% | 1,606 |
| Total domestic deposits to total assets | 88.8069% | 1,385 |
| Equity capital to assets | 8.1636% | 5,957 |
| Core capital (leverage) ratio | 8.3326% | 5,691 |
| Tier 1 risk-based capital ratio | 10.6009% | 5,984 |
| Total risk-based capital ratio | 11.7549% | 5,958 |
| Memoranda: | ||
| Average total assets | $198,700,500 | 3,027 |
| Average earning assets | $189,310,000 | 2,959 |
| Average equity | $16,555,000 | 3,658 |
| Average total loans | $164,622,000 | 2,438 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 3,475 |
| Cost of funding earning assets | 0.4560% | 3,112 |
| Net interest margin | 3.6053% | 3,398 |
| Noninterest income to average assets | 0.3465% | 4,626 |
| Noninterest expense to average assets | 2.0982% | 5,575 |
| Loan and lease loss provision to assets | 0.0585% | 3,369 |
| Net operating income to assets | 1.5336% | 823 |
| Return on assets (ROA) | 1.5616% | 805 |
| Pretax return on assets | 1.6388% | 1,126 |
| Return on Equity (ROE) | 18.8259% | 329 |
| Retained earnings to average equity (ytd only) | 5.7883% | 2,073 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7145% | 5,694 |
| Assets per employee ($millions) | 5.8598% | 1,484 |
| Cash dividends to net income (ytd only)* | 69.2537% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 4,644 |
| Loan loss allowance to noncurrent loans | 867.8049% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 4,830 |
| Noncurrent loans to loans | 0.1244% | 5,405 |
| Net loans and leases to total assets | 84.3287% | 322 |
| Net loans and leases to deposits | 95.7928% | 914 |
| Net loans and leases to core deposits | 102.4464% | 1,211 |
| Total domestic deposits to total assets | 88.0325% | 1,754 |
| Equity capital to assets | 8.5089% | 5,748 |
| Core capital (leverage) ratio | 8.5014% | 5,558 |
| Tier 1 risk-based capital ratio | 9.3046% | 6,381 |
| Total risk-based capital ratio | 10.3084% | 6,389 |
| Memoranda: | ||
| Average total assets | $193,066,600 | 3,067 |
| Average earning assets | $183,119,800 | 2,999 |
| Average equity | $16,015,200 | 3,664 |
| Average total loans | $155,323,600 | 2,490 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 3,763 |
| Cost of funding earning assets | 0.4522% | 3,226 |
| Net interest margin | 3.5470% | 3,640 |
| Noninterest income to average assets | 0.3503% | 4,642 |
| Noninterest expense to average assets | 2.0360% | 5,708 |
| Loan and lease loss provision to assets | 0.0518% | 3,339 |
| Net operating income to assets | 1.5475% | 849 |
| Return on assets (ROA) | 1.5475% | 881 |
| Pretax return on assets | 1.6222% | 1,259 |
| Return on Equity (ROE) | 18.7771% | 373 |
| Retained earnings to average equity (ytd only) | 5.6499% | 2,638 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8790% | 5,749 |
| Assets per employee ($millions) | 5.9479% | 1,366 |
| Cash dividends to net income (ytd only)* | 69.9108% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 4,551 |
| Loan loss allowance to noncurrent loans | 19,344.4444% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 5,409 |
| Noncurrent loans to loans | 0.0059% | 6,021 |
| Net loans and leases to total assets | 79.2263% | 805 |
| Net loans and leases to deposits | 90.2579% | 1,399 |
| Net loans and leases to core deposits | 95.7258% | 1,693 |
| Total domestic deposits to total assets | 87.7777% | 1,879 |
| Equity capital to assets | 8.5650% | 5,751 |
| Core capital (leverage) ratio | 8.2459% | 5,885 |
| Tier 1 risk-based capital ratio | 9.6871% | 6,411 |
| Total risk-based capital ratio | 10.7258% | 6,415 |
| Memoranda: | ||
| Average total assets | $192,990,000 | 3,092 |
| Average earning assets | $182,795,500 | 3,023 |
| Average equity | $15,905,500 | 3,705 |
| Average total loans | $152,942,500 | 2,530 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 4,065 |
| Cost of funding earning assets | 0.4410% | 3,431 |
| Net interest margin | 3.4767% | 3,872 |
| Noninterest income to average assets | 0.3590% | 4,548 |
| Noninterest expense to average assets | 2.0229% | 5,792 |
| Loan and lease loss provision to assets | 0.0392% | 3,521 |
| Net operating income to assets | 1.5257% | 830 |
| Return on assets (ROA) | 1.5257% | 864 |
| Pretax return on assets | 1.5990% | 1,251 |
| Return on Equity (ROE) | 18.7532% | 387 |
| Retained earnings to average equity (ytd only) | 5.5156% | 2,624 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2550% | 5,812 |
| Assets per employee ($millions) | 6.2890% | 1,115 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 5,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 5,546 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 81.4705% | 523 |
| Net loans and leases to deposits | 94.2406% | 943 |
| Net loans and leases to core deposits | 99.9528% | 1,287 |
| Total domestic deposits to total assets | 86.4495% | 2,791 |
| Equity capital to assets | 8.2561% | 5,983 |
| Core capital (leverage) ratio | 8.3294% | 5,816 |
| Tier 1 risk-based capital ratio | 9.3337% | 6,510 |
| Total risk-based capital ratio | 10.3278% | 6,523 |
| Memoranda: | ||
| Average total assets | $193,876,000 | 3,105 |
| Average earning assets | $184,140,670 | 3,024 |
| Average equity | $15,773,330 | 3,726 |
| Average total loans | $153,078,670 | 2,528 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 4,345 |
| Cost of funding earning assets | 0.4500% | 3,432 |
| Net interest margin | 3.3835% | 4,207 |
| Noninterest income to average assets | 0.3331% | 4,709 |
| Noninterest expense to average assets | 2.0710% | 5,737 |
| Loan and lease loss provision to assets | 0.0393% | 3,289 |
| Net operating income to assets | 1.3614% | 1,074 |
| Return on assets (ROA) | 1.3614% | 1,120 |
| Pretax return on assets | 1.4276% | 1,652 |
| Return on Equity (ROE) | 16.8588% | 543 |
| Retained earnings to average equity (ytd only) | 3.4845% | 4,045 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5380% | 5,594 |
| Assets per employee ($millions) | 6.2602% | 1,145 |
| Cash dividends to net income (ytd only)* | 79.3313% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 4,925 |
| Loan loss allowance to noncurrent loans | 5,265.6250% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 5,522 |
| Noncurrent loans to loans | 0.0216% | 6,099 |
| Net loans and leases to total assets | 75.3508% | 1,083 |
| Net loans and leases to deposits | 86.6303% | 1,517 |
| Net loans and leases to core deposits | 87.7916% | 2,116 |
| Total domestic deposits to total assets | 86.9798% | 2,823 |
| Equity capital to assets | 8.0792% | 5,996 |
| Core capital (leverage) ratio | 8.1857% | 5,959 |
| Tier 1 risk-based capital ratio | 9.6536% | 6,531 |
| Total risk-based capital ratio | 10.6898% | 6,543 |
| Memoranda: | ||
| Average total assets | $193,334,500 | 3,126 |
| Average earning assets | $183,125,000 | 3,060 |
| Average equity | $15,612,000 | 3,763 |
| Average total loans | $149,349,000 | 2,596 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 4,526 |
| Cost of funding earning assets | 0.4921% | 3,684 |
| Net interest margin | 3.3915% | 4,307 |
| Noninterest income to average assets | 0.3974% | 4,466 |
| Noninterest expense to average assets | 2.0279% | 5,976 |
| Loan and lease loss provision to assets | 0.0321% | 4,476 |
| Net operating income to assets | 1.5095% | 804 |
| Return on assets (ROA) | 1.5105% | 841 |
| Pretax return on assets | 1.5833% | 1,214 |
| Return on Equity (ROE) | 18.3658% | 382 |
| Retained earnings to average equity (ytd only) | -0.8597% | 6,040 |
| Net charge-offs to loans | -0.0007% | 5,822 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6765% | 5,981 |
| Assets per employee ($millions) | 6.2130% | 1,136 |
| Cash dividends to net income (ytd only)* | 104.6809% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 5,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 5,642 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 77.4218% | 896 |
| Net loans and leases to deposits | 91.8802% | 1,068 |
| Net loans and leases to core deposits | 93.3322% | 1,647 |
| Total domestic deposits to total assets | 84.2639% | 4,069 |
| Equity capital to assets | 8.0710% | 5,964 |
| Core capital (leverage) ratio | 8.3327% | 5,841 |
| Tier 1 risk-based capital ratio | 9.9317% | 6,533 |
| Total risk-based capital ratio | 10.9950% | 6,540 |
| Memoranda: | ||
| Average total assets | $186,695,800 | 3,202 |
| Average earning assets | $178,620,400 | 3,089 |
| Average equity | $15,354,600 | 3,804 |
| Average total loans | $141,885,600 | 2,670 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 4,611 |
| Cost of funding earning assets | 0.5023% | 3,748 |
| Net interest margin | 3.3668% | 4,407 |
| Noninterest income to average assets | 0.4154% | 4,405 |
| Noninterest expense to average assets | 1.9868% | 6,033 |
| Loan and lease loss provision to assets | 0.0324% | 4,367 |
| Net operating income to assets | 1.5527% | 819 |
| Return on assets (ROA) | 1.5527% | 866 |
| Pretax return on assets | 1.6290% | 1,268 |
| Return on Equity (ROE) | 18.7883% | 385 |
| Retained earnings to average equity (ytd only) | -2.3257% | 6,297 |
| Net charge-offs to loans | -0.0010% | 5,654 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4594% | 6,063 |
| Assets per employee ($millions) | 5.9504% | 1,268 |
| Cash dividends to net income (ytd only)* | 112.3783% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 5,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 5,672 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 75.4140% | 1,075 |
| Net loans and leases to deposits | 88.6244% | 1,301 |
| Net loans and leases to core deposits | 92.0698% | 1,761 |
| Total domestic deposits to total assets | 85.0940% | 3,689 |
| Equity capital to assets | 8.3117% | 5,907 |
| Core capital (leverage) ratio | 8.3200% | 5,951 |
| Tier 1 risk-based capital ratio | 10.4681% | 6,465 |
| Total risk-based capital ratio | 11.5884% | 6,464 |
| Memoranda: | ||
| Average total assets | $185,219,250 | 3,251 |
| Average earning assets | $177,852,000 | 3,132 |
| Average equity | $15,307,000 | 3,859 |
| Average total loans | $139,661,500 | 2,717 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 4,890 |
| Cost of funding earning assets | 0.5078% | 3,827 |
| Net interest margin | 3.2730% | 4,675 |
| Noninterest income to average assets | 0.4637% | 4,067 |
| Noninterest expense to average assets | 1.9712% | 6,093 |
| Loan and lease loss provision to assets | 0.0324% | 4,286 |
| Net operating income to assets | 1.5528% | 812 |
| Return on assets (ROA) | 1.5528% | 884 |
| Pretax return on assets | 1.6294% | 1,279 |
| Return on Equity (ROE) | 18.8252% | 398 |
| Retained earnings to average equity (ytd only) | -5.9744% | 6,514 |
| Net charge-offs to loans | -0.0302% | 6,104 |
| Credit loss provision to net charge-offs | -142.8571% | 5,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2594% | 6,125 |
| Assets per employee ($millions) | 6.0711% | 1,151 |
| Cash dividends to net income (ytd only)* | 131.7361% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 5,096 |
| Loan loss allowance to noncurrent loans | 900.0000% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 5,431 |
| Noncurrent loans to loans | 0.1311% | 5,995 |
| Net loans and leases to total assets | 76.1401% | 974 |
| Net loans and leases to deposits | 89.0399% | 1,224 |
| Net loans and leases to core deposits | 92.4242% | 1,666 |
| Total domestic deposits to total assets | 85.5123% | 3,637 |
| Equity capital to assets | 8.1594% | 6,088 |
| Core capital (leverage) ratio | 8.0605% | 6,138 |
| Tier 1 risk-based capital ratio | 10.4913% | 6,504 |
| Total risk-based capital ratio | 11.6316% | 6,514 |
| Memoranda: | ||
| Average total assets | $185,471,330 | 3,262 |
| Average earning assets | $179,593,000 | 3,117 |
| Average equity | $15,298,670 | 3,890 |
| Average total loans | $139,294,670 | 2,730 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7343% | 5,041 |
| Cost of funding earning assets | 0.5092% | 3,986 |
| Net interest margin | 3.2250% | 4,825 |
| Noninterest income to average assets | 0.3142% | 5,178 |
| Noninterest expense to average assets | 1.9707% | 6,162 |
| Loan and lease loss provision to assets | 0.0321% | 4,044 |
| Net operating income to assets | 1.3701% | 1,101 |
| Return on assets (ROA) | 1.3701% | 1,191 |
| Pretax return on assets | 1.4385% | 1,742 |
| Return on Equity (ROE) | 16.5233% | 549 |
| Retained earnings to average equity (ytd only) | -18.7917% | 6,819 |
| Net charge-offs to loans | -0.0576% | 6,195 |
| Credit loss provision to net charge-offs | -75.0000% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2671% | 5,928 |
| Assets per employee ($millions) | 6.7214% | 885 |
| Cash dividends to net income (ytd only)* | 213.7285% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 5,098 |
| Loan loss allowance to noncurrent loans | 911.1111% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 5,321 |
| Noncurrent loans to loans | 0.1339% | 6,067 |
| Net loans and leases to total assets | 68.1488% | 1,982 |
| Net loans and leases to deposits | 78.7220% | 2,251 |
| Net loans and leases to core deposits | 80.3179% | 2,774 |
| Total domestic deposits to total assets | 86.5690% | 3,201 |
| Equity capital to assets | 7.7693% | 6,490 |
| Core capital (leverage) ratio | 7.9835% | 6,161 |
| Tier 1 risk-based capital ratio | 10.6932% | 6,525 |
| Total risk-based capital ratio | 11.8650% | 6,517 |
| Memoranda: | ||
| Average total assets | $187,140,000 | 3,267 |
| Average earning assets | $181,455,000 | 3,126 |
| Average equity | $15,517,500 | 3,903 |
| Average total loans | $138,775,500 | 2,748 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 4,980 |
| Cost of funding earning assets | 0.6058% | 4,286 |
| Net interest margin | 3.4851% | 4,559 |
| Noninterest income to average assets | 0.5370% | 3,667 |
| Noninterest expense to average assets | 2.1026% | 6,123 |
| Loan and lease loss provision to assets | 0.0880% | 4,593 |
| Net operating income to assets | 1.6390% | 702 |
| Return on assets (ROA) | 1.6390% | 779 |
| Pretax return on assets | 1.7224% | 1,086 |
| Return on Equity (ROE) | 18.2941% | 421 |
| Retained earnings to average equity (ytd only) | 8.5477% | 955 |
| Net charge-offs to loans | 0.0079% | 5,838 |
| Credit loss provision to net charge-offs | 1,500.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 308.5000% | 129 |
| Efficiency ratio | 53.7343% | 6,291 |
| Assets per employee ($millions) | 6.1848% | 1,174 |
| Cash dividends to net income (ytd only)* | 53.2760% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 5,465 |
| Loan loss allowance to noncurrent loans | 3,732.5581% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 5,516 |
| Noncurrent loans to loans | 0.0301% | 6,440 |
| Net loans and leases to total assets | 78.8752% | 579 |
| Net loans and leases to deposits | 91.3292% | 962 |
| Net loans and leases to core deposits | 93.7440% | 1,488 |
| Total domestic deposits to total assets | 86.3636% | 3,168 |
| Equity capital to assets | 8.8599% | 5,674 |
| Core capital (leverage) ratio | 8.4712% | 5,657 |
| Tier 1 risk-based capital ratio | 10.4825% | 6,563 |
| Total risk-based capital ratio | 11.5545% | 6,580 |
| Memoranda: | ||
| Average total assets | $170,406,400 | 3,447 |
| Average earning assets | $165,073,200 | 3,303 |
| Average equity | $15,267,200 | 3,899 |
| Average total loans | $126,729,400 | 2,936 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0556% | 5,343 |
| Cost of funding earning assets | 0.6188% | 4,462 |
| Net interest margin | 3.4368% | 4,890 |
| Noninterest income to average assets | 0.5027% | 3,913 |
| Noninterest expense to average assets | 2.1367% | 6,095 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6118% | 816 |
| Return on assets (ROA) | 1.6118% | 909 |
| Pretax return on assets | 1.6951% | 1,282 |
| Return on Equity (ROE) | 17.9376% | 507 |
| Retained earnings to average equity (ytd only) | 7.7733% | 1,714 |
| Net charge-offs to loans | 0.0109% | 5,559 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 213.8485% | 213 |
| Efficiency ratio | 55.7625% | 6,081 |
| Assets per employee ($millions) | 6.4949% | 955 |
| Cash dividends to net income (ytd only)* | 56.6649% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 5,640 |
| Loan loss allowance to noncurrent loans | 1,634.8315% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 5,656 |
| Noncurrent loans to loans | 0.0685% | 6,445 |
| Net loans and leases to total assets | 70.6867% | 1,785 |
| Net loans and leases to deposits | 81.7335% | 2,158 |
| Net loans and leases to core deposits | 84.7484% | 2,611 |
| Total domestic deposits to total assets | 86.4844% | 2,994 |
| Equity capital to assets | 8.5661% | 6,208 |
| Core capital (leverage) ratio | 8.5651% | 5,672 |
| Tier 1 risk-based capital ratio | 10.8821% | 6,523 |
| Total risk-based capital ratio | 11.9190% | 6,600 |
| Memoranda: | ||
| Average total assets | $168,168,500 | 3,522 |
| Average earning assets | $162,897,250 | 3,370 |
| Average equity | $15,111,250 | 3,975 |
| Average total loans | $122,643,250 | 3,064 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0975% | 5,322 |
| Cost of funding earning assets | 0.6438% | 4,495 |
| Net interest margin | 3.4537% | 4,864 |
| Noninterest income to average assets | 0.4694% | 4,138 |
| Noninterest expense to average assets | 2.1613% | 6,102 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5708% | 880 |
| Return on assets (ROA) | 1.5708% | 989 |
| Pretax return on assets | 1.6528% | 1,390 |
| Return on Equity (ROE) | 17.1841% | 613 |
| Retained earnings to average equity (ytd only) | 6.2719% | 2,520 |
| Net charge-offs to loans | 0.0166% | 5,181 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 135.2000% | 330 |
| Efficiency ratio | 56.6667% | 6,045 |
| Assets per employee ($millions) | 6.8168% | 807 |
| Cash dividends to net income (ytd only)* | 63.5019% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 5,609 |
| Loan loss allowance to noncurrent loans | 145,500.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 5,810 |
| Noncurrent loans to loans | 0.0008% | 6,738 |
| Net loans and leases to total assets | 74.1575% | 1,221 |
| Net loans and leases to deposits | 85.6918% | 1,640 |
| Net loans and leases to core deposits | 89.3859% | 2,044 |
| Total domestic deposits to total assets | 86.5398% | 3,045 |
| Equity capital to assets | 8.8111% | 5,902 |
| Core capital (leverage) ratio | 8.7286% | 5,333 |
| Tier 1 risk-based capital ratio | 11.2258% | 6,383 |
| Total risk-based capital ratio | 12.3251% | 6,433 |
| Memoranda: | ||
| Average total assets | $163,606,000 | 3,604 |
| Average earning assets | $158,439,000 | 3,458 |
| Average equity | $14,955,670 | 3,997 |
| Average total loans | $120,190,000 | 3,131 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2682% | 4,857 |
| Cost of funding earning assets | 0.6654% | 4,575 |
| Net interest margin | 3.6028% | 4,262 |
| Noninterest income to average assets | 0.4070% | 4,622 |
| Noninterest expense to average assets | 2.1299% | 6,200 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6779% | 753 |
| Return on assets (ROA) | 1.6779% | 836 |
| Pretax return on assets | 1.7653% | 1,163 |
| Return on Equity (ROE) | 18.0094% | 547 |
| Retained earnings to average equity (ytd only) | 18.0094% | 254 |
| Net charge-offs to loans | 0.0344% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 70.7000% | 472 |
| Efficiency ratio | 54.6795% | 6,268 |
| Assets per employee ($millions) | 7.0620% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 5,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 5,873 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 68.4298% | 2,036 |
| Net loans and leases to deposits | 78.3333% | 2,444 |
| Net loans and leases to core deposits | 80.8309% | 2,966 |
| Total domestic deposits to total assets | 87.3573% | 2,742 |
| Equity capital to assets | 9.0224% | 5,459 |
| Core capital (leverage) ratio | 9.2671% | 4,413 |
| Tier 1 risk-based capital ratio | 12.2826% | 5,774 |
| Total risk-based capital ratio | 13.4691% | 5,785 |
| Memoranda: | ||
| Average total assets | $160,198,500 | 3,686 |
| Average earning assets | $155,101,500 | 3,527 |
| Average equity | $14,925,500 | 4,007 |
| Average total loans | $116,367,500 | 3,221 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 6,218 |
| Cost of funding earning assets | 0.7526% | 5,194 |
| Net interest margin | 3.3814% | 5,541 |
| Noninterest income to average assets | 0.4210% | 4,440 |
| Noninterest expense to average assets | 1.9332% | 6,788 |
| Loan and lease loss provision to assets | 0.1197% | 5,103 |
| Net operating income to assets | 1.5731% | 712 |
| Return on assets (ROA) | 1.6120% | 703 |
| Pretax return on assets | 1.6865% | 1,016 |
| Return on Equity (ROE) | 17.1686% | 459 |
| Retained earnings to average equity (ytd only) | 3.8176% | 3,495 |
| Net charge-offs to loans | 0.3132% | 3,831 |
| Credit loss provision to net charge-offs | 51.8732% | 5,385 |
| Earnings coverage of net charge-offs (x) | 7.6513% | 2,301 |
| Efficiency ratio | 52.2654% | 6,682 |
| Assets per employee ($millions) | 6.2878% | 1,054 |
| Cash dividends to net income (ytd only)* | 77.7640% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 5,058 |
| Loan loss allowance to noncurrent loans | 581.3492% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 5,842 |
| Noncurrent loans to loans | 0.2186% | 6,303 |
| Net loans and leases to total assets | 75.4327% | 1,030 |
| Net loans and leases to deposits | 85.9644% | 1,672 |
| Net loans and leases to core deposits | 88.8308% | 2,270 |
| Total domestic deposits to total assets | 87.7488% | 2,311 |
| Equity capital to assets | 9.6476% | 4,679 |
| Core capital (leverage) ratio | 9.1466% | 4,555 |
| Tier 1 risk-based capital ratio | 11.9130% | 5,887 |
| Total risk-based capital ratio | 13.1259% | 5,899 |
| Memoranda: | ||
| Average total assets | $150,370,400 | 3,791 |
| Average earning assets | $145,769,200 | 3,643 |
| Average equity | $14,118,800 | 4,085 |
| Average total loans | $110,804,000 | 3,363 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 6,472 |
| Cost of funding earning assets | 0.7637% | 5,374 |
| Net interest margin | 3.3072% | 5,837 |
| Noninterest income to average assets | 0.4482% | 4,308 |
| Noninterest expense to average assets | 1.8885% | 6,863 |
| Loan and lease loss provision to assets | 0.1198% | 4,936 |
| Net operating income to assets | 1.5756% | 812 |
| Return on assets (ROA) | 1.6276% | 812 |
| Pretax return on assets | 1.7031% | 1,143 |
| Return on Equity (ROE) | 17.4553% | 516 |
| Retained earnings to average equity (ytd only) | 2.3699% | 4,934 |
| Net charge-offs to loans | 0.1240% | 4,801 |
| Credit loss provision to net charge-offs | 132.3529% | 2,406 |
| Earnings coverage of net charge-offs (x) | 19.5388% | 1,258 |
| Efficiency ratio | 51.6380% | 6,713 |
| Assets per employee ($millions) | 6.3757% | 1,003 |
| Cash dividends to net income (ytd only)* | 86.4232% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 4,184 |
| Loan loss allowance to noncurrent loans | 51.5799% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 2.1429% | 2,984 |
| Noncurrent loans to loans | 2.8767% | 2,428 |
| Net loans and leases to total assets | 72.2436% | 1,659 |
| Net loans and leases to deposits | 83.0610% | 2,163 |
| Net loans and leases to core deposits | 85.6029% | 2,829 |
| Total domestic deposits to total assets | 86.9766% | 2,673 |
| Equity capital to assets | 9.3682% | 5,278 |
| Core capital (leverage) ratio | 9.1623% | 4,687 |
| Tier 1 risk-based capital ratio | 11.7783% | 6,051 |
| Total risk-based capital ratio | 13.0297% | 6,044 |
| Memoranda: | ||
| Average total assets | $150,236,000 | 3,820 |
| Average earning assets | $145,780,750 | 3,666 |
| Average equity | $14,008,750 | 4,122 |
| Average total loans | $109,680,250 | 3,419 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 6,351 |
| Cost of funding earning assets | 0.7887% | 5,452 |
| Net interest margin | 3.3786% | 5,612 |
| Noninterest income to average assets | 0.4621% | 4,168 |
| Noninterest expense to average assets | 2.1137% | 6,567 |
| Loan and lease loss provision to assets | 0.1206% | 4,772 |
| Net operating income to assets | 1.4346% | 1,009 |
| Return on assets (ROA) | 1.4346% | 1,068 |
| Pretax return on assets | 1.5043% | 1,519 |
| Return on Equity (ROE) | 15.4101% | 734 |
| Retained earnings to average equity (ytd only) | -3.0791% | 6,379 |
| Net charge-offs to loans | 0.1893% | 4,023 |
| Credit loss provision to net charge-offs | 87.3786% | 3,533 |
| Earnings coverage of net charge-offs (x) | 11.7767% | 1,677 |
| Efficiency ratio | 56.5389% | 6,357 |
| Assets per employee ($millions) | 6.2753% | 1,031 |
| Cash dividends to net income (ytd only)* | 119.9813% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 3,992 |
| Loan loss allowance to noncurrent loans | 133.2237% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 5,185 |
| Noncurrent loans to loans | 1.1470% | 4,743 |
| Net loans and leases to total assets | 69.3160% | 2,356 |
| Net loans and leases to deposits | 79.8565% | 2,825 |
| Net loans and leases to core deposits | 82.1030% | 3,488 |
| Total domestic deposits to total assets | 86.8007% | 2,856 |
| Equity capital to assets | 9.2951% | 5,142 |
| Core capital (leverage) ratio | 8.7986% | 5,052 |
| Tier 1 risk-based capital ratio | 12.3948% | 5,444 |
| Total risk-based capital ratio | 13.6474% | 5,421 |
| Memoranda: | ||
| Average total assets | $149,309,000 | 3,857 |
| Average earning assets | $144,791,670 | 3,715 |
| Average equity | $13,900,000 | 4,142 |
| Average total loans | $108,837,000 | 3,485 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 6,309 |
| Cost of funding earning assets | 0.8280% | 5,408 |
| Net interest margin | 3.3594% | 5,582 |
| Noninterest income to average assets | 0.3875% | 4,815 |
| Noninterest expense to average assets | 2.1956% | 6,433 |
| Loan and lease loss provision to assets | 0.1211% | 4,498 |
| Net operating income to assets | 1.2646% | 1,354 |
| Return on assets (ROA) | 1.2646% | 1,407 |
| Pretax return on assets | 1.3238% | 1,967 |
| Return on Equity (ROE) | 13.5735% | 1,071 |
| Retained earnings to average equity (ytd only) | -3.4656% | 6,358 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3104% | 5,943 |
| Assets per employee ($millions) | 6.5404% | 912 |
| Cash dividends to net income (ytd only)* | 125.5319% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 3,732 |
| Loan loss allowance to noncurrent loans | 27,966.6667% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 7,010 |
| Noncurrent loans to loans | 0.0057% | 7,072 |
| Net loans and leases to total assets | 65.8062% | 3,066 |
| Net loans and leases to deposits | 75.6492% | 3,470 |
| Net loans and leases to core deposits | 77.8582% | 4,039 |
| Total domestic deposits to total assets | 86.9886% | 2,944 |
| Equity capital to assets | 8.7889% | 5,513 |
| Core capital (leverage) ratio | 9.0243% | 4,577 |
| Tier 1 risk-based capital ratio | 12.7821% | 4,988 |
| Total risk-based capital ratio | 14.0379% | 4,961 |
| Memoranda: | ||
| Average total assets | $148,660,500 | 3,901 |
| Average earning assets | $143,954,500 | 3,758 |
| Average equity | $13,850,500 | 4,142 |
| Average total loans | $110,248,500 | 3,482 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8198% | 5,349 |
| Cost of funding earning assets | 1.0591% | 5,372 |
| Net interest margin | 3.7606% | 4,106 |
| Noninterest income to average assets | 0.5531% | 3,798 |
| Noninterest expense to average assets | 2.2941% | 6,374 |
| Loan and lease loss provision to assets | 0.1313% | 5,859 |
| Net operating income to assets | 1.6535% | 567 |
| Return on assets (ROA) | 1.6535% | 611 |
| Pretax return on assets | 1.7315% | 889 |
| Return on Equity (ROE) | 16.6706% | 507 |
| Retained earnings to average equity (ytd only) | 3.5386% | 3,379 |
| Net charge-offs to loans | 0.0819% | 6,006 |
| Credit loss provision to net charge-offs | 206.8966% | 1,492 |
| Earnings coverage of net charge-offs (x) | 29.3448% | 746 |
| Efficiency ratio | 55.1869% | 6,693 |
| Assets per employee ($millions) | 5.8480% | 1,318 |
| Cash dividends to net income (ytd only)* | 78.7732% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 4,454 |
| Loan loss allowance to noncurrent loans | 1,007.4074% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 6,782 |
| Noncurrent loans to loans | 0.1402% | 6,791 |
| Net loans and leases to total assets | 81.1473% | 525 |
| Net loans and leases to deposits | 92.9116% | 1,149 |
| Net loans and leases to core deposits | 96.1747% | 1,991 |
| Total domestic deposits to total assets | 87.3382% | 2,645 |
| Equity capital to assets | 9.9073% | 3,872 |
| Core capital (leverage) ratio | 9.5974% | 3,559 |
| Tier 1 risk-based capital ratio | 11.5968% | 5,824 |
| Total risk-based capital ratio | 12.8486% | 5,834 |
| Memoranda: | ||
| Average total assets | $137,045,600 | 4,119 |
| Average earning assets | $131,334,000 | 3,988 |
| Average equity | $13,592,800 | 4,238 |
| Average total loans | $106,232,200 | 3,619 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7645% | 5,809 |
| Cost of funding earning assets | 1.0896% | 5,488 |
| Net interest margin | 3.6749% | 4,523 |
| Noninterest income to average assets | 0.5726% | 3,633 |
| Noninterest expense to average assets | 2.2052% | 6,591 |
| Loan and lease loss provision to assets | 0.1321% | 5,706 |
| Net operating income to assets | 1.6698% | 656 |
| Return on assets (ROA) | 1.6698% | 710 |
| Pretax return on assets | 1.7511% | 1,010 |
| Return on Equity (ROE) | 16.8306% | 609 |
| Retained earnings to average equity (ytd only) | 2.4269% | 4,724 |
| Net charge-offs to loans | 0.1052% | 5,491 |
| Credit loss provision to net charge-offs | 164.6341% | 2,285 |
| Earnings coverage of net charge-offs (x) | 23.4636% | 1,059 |
| Efficiency ratio | 53.9382% | 6,796 |
| Assets per employee ($millions) | 5.7468% | 1,426 |
| Cash dividends to net income (ytd only)* | 85.5804% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 4,190 |
| Loan loss allowance to noncurrent loans | 289.1107% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6786% | 5,758 |
| Noncurrent loans to loans | 0.5027% | 6,194 |
| Net loans and leases to total assets | 78.3096% | 983 |
| Net loans and leases to deposits | 90.0884% | 1,710 |
| Net loans and leases to core deposits | 92.6407% | 2,704 |
| Total domestic deposits to total assets | 86.9253% | 2,576 |
| Equity capital to assets | 9.9657% | 4,200 |
| Core capital (leverage) ratio | 9.5874% | 3,784 |
| Tier 1 risk-based capital ratio | 11.9785% | 5,482 |
| Total risk-based capital ratio | 13.2305% | 5,447 |
| Memoranda: | ||
| Average total assets | $136,219,250 | 4,185 |
| Average earning assets | $130,322,000 | 4,059 |
| Average equity | $13,514,750 | 4,324 |
| Average total loans | $103,909,500 | 3,735 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7924% | 5,822 |
| Cost of funding earning assets | 1.1175% | 5,580 |
| Net interest margin | 3.6749% | 4,476 |
| Noninterest income to average assets | 0.5101% | 4,026 |
| Noninterest expense to average assets | 2.1835% | 6,688 |
| Loan and lease loss provision to assets | 0.1327% | 5,561 |
| Net operating income to assets | 1.6262% | 684 |
| Return on assets (ROA) | 1.6262% | 737 |
| Pretax return on assets | 1.7044% | 1,048 |
| Return on Equity (ROE) | 16.4161% | 647 |
| Retained earnings to average equity (ytd only) | -0.8483% | 5,939 |
| Net charge-offs to loans | 0.1627% | 4,641 |
| Credit loss provision to net charge-offs | 108.4337% | 3,752 |
| Earnings coverage of net charge-offs (x) | 15.0120% | 1,480 |
| Efficiency ratio | 54.3088% | 6,842 |
| Assets per employee ($millions) | 5.5220% | 1,602 |
| Cash dividends to net income (ytd only)* | 105.1677% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 3,776 |
| Loan loss allowance to noncurrent loans | 230.4024% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 4,240 |
| Noncurrent loans to loans | 0.6639% | 5,925 |
| Net loans and leases to total assets | 72.0891% | 2,373 |
| Net loans and leases to deposits | 84.8696% | 2,727 |
| Net loans and leases to core deposits | 86.9162% | 3,712 |
| Total domestic deposits to total assets | 84.9410% | 3,663 |
| Equity capital to assets | 9.7153% | 4,386 |
| Core capital (leverage) ratio | 9.5145% | 3,801 |
| Tier 1 risk-based capital ratio | 12.5410% | 4,819 |
| Total risk-based capital ratio | 13.7939% | 4,795 |
| Memoranda: | ||
| Average total assets | $135,651,330 | 4,221 |
| Average earning assets | $129,580,670 | 4,097 |
| Average equity | $13,438,000 | 4,340 |
| Average total loans | $102,012,670 | 3,832 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 5,643 |
| Cost of funding earning assets | 1.1396% | 5,705 |
| Net interest margin | 3.7207% | 4,145 |
| Noninterest income to average assets | 0.3778% | 5,116 |
| Noninterest expense to average assets | 2.2938% | 6,396 |
| Loan and lease loss provision to assets | 0.1339% | 5,223 |
| Net operating income to assets | 1.4340% | 1,012 |
| Return on assets (ROA) | 1.4340% | 1,084 |
| Pretax return on assets | 1.5054% | 1,498 |
| Return on Equity (ROE) | 14.3335% | 987 |
| Retained earnings to average equity (ytd only) | -3.5090% | 6,431 |
| Net charge-offs to loans | 0.1873% | 3,801 |
| Credit loss provision to net charge-offs | 93.7500% | 3,569 |
| Earnings coverage of net charge-offs (x) | 11.4792% | 1,639 |
| Efficiency ratio | 58.3207% | 6,436 |
| Assets per employee ($millions) | 6.0132% | 1,246 |
| Cash dividends to net income (ytd only)* | 124.4813% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 3,840 |
| Loan loss allowance to noncurrent loans | 178.1903% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.9942% | 5,158 |
| Noncurrent loans to loans | 0.8495% | 5,614 |
| Net loans and leases to total assets | 72.2604% | 2,394 |
| Net loans and leases to deposits | 85.0646% | 2,748 |
| Net loans and leases to core deposits | 86.2324% | 3,861 |
| Total domestic deposits to total assets | 84.9477% | 3,700 |
| Equity capital to assets | 9.6664% | 4,281 |
| Core capital (leverage) ratio | 9.7625% | 3,439 |
| Tier 1 risk-based capital ratio | 12.6950% | 4,568 |
| Total risk-based capital ratio | 13.9395% | 4,534 |
| Memoranda: | ||
| Average total assets | $134,452,000 | 4,319 |
| Average earning assets | $128,470,500 | 4,183 |
| Average equity | $13,451,000 | 4,361 |
| Average total loans | $102,486,500 | 3,872 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 5,317 |
| Cost of funding earning assets | 1.5654% | 5,202 |
| Net interest margin | 3.7062% | 4,112 |
| Noninterest income to average assets | 0.4790% | 4,579 |
| Noninterest expense to average assets | 2.2184% | 6,944 |
| Loan and lease loss provision to assets | 0.1400% | 6,242 |
| Net operating income to assets | 1.5536% | 606 |
| Return on assets (ROA) | 1.5536% | 644 |
| Pretax return on assets | 1.6259% | 908 |
| Return on Equity (ROE) | 15.1962% | 648 |
| Retained earnings to average equity (ytd only) | 2.8750% | 3,168 |
| Net charge-offs to loans | 0.2176% | 5,262 |
| Credit loss provision to net charge-offs | 85.3081% | 6,154 |
| Earnings coverage of net charge-offs (x) | 10.7630% | 1,649 |
| Efficiency ratio | 55.6792% | 7,054 |
| Assets per employee ($millions) | 5.6783% | 1,487 |
| Cash dividends to net income (ytd only)* | 81.0811% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 3,790 |
| Loan loss allowance to noncurrent loans | 916.6667% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 5,962 |
| Noncurrent loans to loans | 0.1623% | 7,018 |
| Net loans and leases to total assets | 78.0689% | 1,365 |
| Net loans and leases to deposits | 91.8061% | 1,924 |
| Net loans and leases to core deposits | 100.0451% | 3,997 |
| Total domestic deposits to total assets | 85.0368% | 3,534 |
| Equity capital to assets | 10.3622% | 3,328 |
| Core capital (leverage) ratio | 9.9821% | 3,110 |
| Tier 1 risk-based capital ratio | 12.4515% | 4,558 |
| Total risk-based capital ratio | 13.7059% | 4,507 |
| Memoranda: | ||
| Average total assets | $128,607,200 | 4,369 |
| Average earning assets | $121,633,200 | 4,272 |
| Average equity | $13,148,000 | 4,475 |
| Average total loans | $96,973,400 | 4,034 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 5,520 |
| Cost of funding earning assets | 1.6375% | 5,218 |
| Net interest margin | 3.6439% | 4,307 |
| Noninterest income to average assets | 0.4902% | 4,579 |
| Noninterest expense to average assets | 2.2564% | 6,818 |
| Loan and lease loss provision to assets | 0.1405% | 5,954 |
| Net operating income to assets | 1.4685% | 879 |
| Return on assets (ROA) | 1.4685% | 938 |
| Pretax return on assets | 1.5372% | 1,309 |
| Return on Equity (ROE) | 14.4141% | 852 |
| Retained earnings to average equity (ytd only) | 0.3167% | 5,066 |
| Net charge-offs to loans | 0.2783% | 4,297 |
| Credit loss provision to net charge-offs | 67.8392% | 6,023 |
| Earnings coverage of net charge-offs (x) | 8.1004% | 2,307 |
| Efficiency ratio | 57.3545% | 6,818 |
| Assets per employee ($millions) | 5.2930% | 1,795 |
| Cash dividends to net income (ytd only)* | 97.8026% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 3,020 |
| Loan loss allowance to noncurrent loans | 326.1905% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 5,378 |
| Noncurrent loans to loans | 0.4882% | 6,341 |
| Net loans and leases to total assets | 70.3754% | 3,418 |
| Net loans and leases to deposits | 84.6629% | 3,539 |
| Net loans and leases to core deposits | 92.0098% | 5,232 |
| Total domestic deposits to total assets | 83.1243% | 4,165 |
| Equity capital to assets | 10.0086% | 4,077 |
| Core capital (leverage) ratio | 9.7687% | 3,550 |
| Tier 1 risk-based capital ratio | 13.2683% | 4,008 |
| Total risk-based capital ratio | 14.5215% | 3,953 |
| Memoranda: | ||
| Average total assets | $128,109,000 | 4,407 |
| Average earning assets | $121,077,500 | 4,317 |
| Average equity | $13,051,750 | 4,524 |
| Average total loans | $95,342,250 | 4,111 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3558% | 5,375 |
| Cost of funding earning assets | 1.7246% | 5,154 |
| Net interest margin | 3.6313% | 4,242 |
| Noninterest income to average assets | 0.5067% | 4,390 |
| Noninterest expense to average assets | 2.2825% | 6,810 |
| Loan and lease loss provision to assets | 0.1421% | 5,645 |
| Net operating income to assets | 1.4443% | 937 |
| Return on assets (ROA) | 1.4443% | 1,000 |
| Pretax return on assets | 1.5122% | 1,411 |
| Return on Equity (ROE) | 14.0903% | 975 |
| Retained earnings to average equity (ytd only) | -3.4494% | 6,036 |
| Net charge-offs to loans | 0.1737% | 4,496 |
| Credit loss provision to net charge-offs | 108.4337% | 4,265 |
| Earnings coverage of net charge-offs (x) | 12.6265% | 1,803 |
| Efficiency ratio | 57.9791% | 6,870 |
| Assets per employee ($millions) | 5.2385% | 1,827 |
| Cash dividends to net income (ytd only)* | 124.4809% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 2,433 |
| Loan loss allowance to noncurrent loans | 293.8547% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.9094% | 5,160 |
| Noncurrent loans to loans | 0.5696% | 6,127 |
| Net loans and leases to total assets | 70.7778% | 3,513 |
| Net loans and leases to deposits | 83.7379% | 3,933 |
| Net loans and leases to core deposits | 91.4086% | 5,408 |
| Total domestic deposits to total assets | 84.5230% | 3,491 |
| Equity capital to assets | 9.9319% | 4,044 |
| Core capital (leverage) ratio | 9.6079% | 3,754 |
| Tier 1 risk-based capital ratio | 12.8036% | 4,290 |
| Total risk-based capital ratio | 14.0582% | 4,198 |
| Memoranda: | ||
| Average total assets | $126,703,330 | 4,456 |
| Average earning assets | $119,682,330 | 4,380 |
| Average equity | $12,987,670 | 4,544 |
| Average total loans | $95,579,000 | 4,128 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 5,269 |
| Cost of funding earning assets | 1.8452% | 4,900 |
| Net interest margin | 3.5847% | 4,383 |
| Noninterest income to average assets | 0.4399% | 4,875 |
| Noninterest expense to average assets | 2.2733% | 6,625 |
| Loan and lease loss provision to assets | 0.1445% | 5,101 |
| Net operating income to assets | 1.3390% | 1,291 |
| Return on assets (ROA) | 1.3390% | 1,388 |
| Pretax return on assets | 1.3968% | 1,978 |
| Return on Equity (ROE) | 12.8525% | 1,426 |
| Retained earnings to average equity (ytd only) | -14.8251% | 7,428 |
| Net charge-offs to loans | 0.0582% | 4,660 |
| Credit loss provision to net charge-offs | 321.4286% | 1,532 |
| Earnings coverage of net charge-offs (x) | 34.2857% | 962 |
| Efficiency ratio | 59.5960% | 6,461 |
| Assets per employee ($millions) | 6.3629% | 1,020 |
| Cash dividends to net income (ytd only)* | 215.3477% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 2,274 |
| Loan loss allowance to noncurrent loans | 308.6705% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8903% | 4,965 |
| Noncurrent loans to loans | 0.5372% | 6,071 |
| Net loans and leases to total assets | 74.6531% | 2,586 |
| Net loans and leases to deposits | 85.7241% | 3,680 |
| Net loans and leases to core deposits | 93.8375% | 5,172 |
| Total domestic deposits to total assets | 87.0853% | 2,172 |
| Equity capital to assets | 10.0135% | 3,990 |
| Core capital (leverage) ratio | 9.8812% | 3,546 |
| Tier 1 risk-based capital ratio | 12.3266% | 4,681 |
| Total risk-based capital ratio | 13.5807% | 4,597 |
| Memoranda: | ||
| Average total assets | $124,574,000 | 4,525 |
| Average earning assets | $117,276,500 | 4,448 |
| Average equity | $12,978,000 | 4,585 |
| Average total loans | $96,233,500 | 4,138 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1473% | 4,790 |
| Cost of funding earning assets | 2.3868% | 4,779 |
| Net interest margin | 3.7605% | 4,177 |
| Noninterest income to average assets | 0.5858% | 3,967 |
| Noninterest expense to average assets | 2.1370% | 7,144 |
| Loan and lease loss provision to assets | 0.2876% | 4,085 |
| Net operating income to assets | 1.5816% | 861 |
| Return on assets (ROA) | 1.5816% | 828 |
| Pretax return on assets | 1.6498% | 1,264 |
| Return on Equity (ROE) | 14.8660% | 944 |
| Retained earnings to average equity (ytd only) | 1.1429% | 4,546 |
| Net charge-offs to loans | 0.0944% | 5,387 |
| Credit loss provision to net charge-offs | 397.7273% | 1,106 |
| Earnings coverage of net charge-offs (x) | 26.7955% | 1,269 |
| Efficiency ratio | 52.4501% | 7,438 |
| Assets per employee ($millions) | 5.8043% | 1,263 |
| Cash dividends to net income (ytd only)* | 92.3117% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 2,100 |
| Loan loss allowance to noncurrent loans | 317.3737% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.9115% | 4,563 |
| Noncurrent loans to loans | 0.5164% | 5,802 |
| Net loans and leases to total assets | 77.3583% | 2,299 |
| Net loans and leases to deposits | 89.4840% | 3,535 |
| Net loans and leases to core deposits | 97.7474% | 5,063 |
| Total domestic deposits to total assets | 86.4493% | 2,193 |
| Equity capital to assets | 10.8401% | 3,173 |
| Core capital (leverage) ratio | 10.6233% | 2,885 |
| Tier 1 risk-based capital ratio | 12.9564% | 4,137 |
| Total risk-based capital ratio | 14.2105% | 4,058 |
| Memoranda: | ||
| Average total assets | $121,715,200 | 4,476 |
| Average earning assets | $112,912,000 | 4,449 |
| Average equity | $12,949,000 | 4,593 |
| Average total loans | $93,249,600 | 4,127 |