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 | 4.1079% | 3,790 |
| Cost of funding earning assets | 0.6970% | 3,934 |
| Net interest margin | 3.4110% | 2,384 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.8333% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9055% | 2,534 |
| Return on assets (ROA) | 0.8673% | 2,617 |
| Pretax return on assets | 0.8732% | 3,032 |
| Return on Equity (ROE) | 24.2300% | 344 |
| Retained earnings to average equity (ytd only) | 17.2566% | 211 |
| Net charge-offs to loans | 0.0377% | 1,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 49.8378% | 1,298 |
| Efficiency ratio | 75.6536% | 1,280 |
| Assets per employee ($millions) | 5.3860% | 3,334 |
| Cash dividends to net income (ytd only)* | 28.7913% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 1,836 |
| Loan loss allowance to noncurrent loans | 132,200.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,860 |
| Noncurrent loans to loans | 0.0010% | 3,799 |
| Net loans and leases to total assets | 49.5500% | 3,623 |
| Net loans and leases to deposits | 59.4116% | 3,558 |
| Net loans and leases to core deposits | 62.3598% | 3,663 |
| Total domestic deposits to total assets | 83.4000% | 2,781 |
| Equity capital to assets | 5.1923% | 4,382 |
| Core capital (leverage) ratio | 11.4563% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1648% | 1,488 |
| Memoranda: | ||
| Average total assets | $202,240,400 | 2,978 |
| Average earning assets | $188,245,200 | 2,960 |
| Average equity | $7,237,800 | 4,020 |
| Average total loans | $98,086,000 | 3,196 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0288% | 3,801 |
| Cost of funding earning assets | 0.6448% | 3,887 |
| Net interest margin | 3.3840% | 2,488 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.8407% | 1,345 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8748% | 2,778 |
| Return on assets (ROA) | 0.8233% | 2,942 |
| Pretax return on assets | 0.8233% | 3,283 |
| Return on Equity (ROE) | 25.9800% | 354 |
| Retained earnings to average equity (ytd only) | 22.3242% | 183 |
| Net charge-offs to loans | 0.0041% | 2,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 441.0000% | 339 |
| Efficiency ratio | 76.4549% | 1,135 |
| Assets per employee ($millions) | 5.2443% | 3,393 |
| Cash dividends to net income (ytd only)* | 14.0562% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 1,583 |
| Loan loss allowance to noncurrent loans | 27,140.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 3,852 |
| Noncurrent loans to loans | 0.0050% | 3,778 |
| Net loans and leases to total assets | 49.0400% | 3,684 |
| Net loans and leases to deposits | 55.9626% | 3,714 |
| Net loans and leases to core deposits | 57.7494% | 3,790 |
| Total domestic deposits to total assets | 87.6300% | 1,693 |
| Equity capital to assets | 1.6193% | 4,557 |
| Core capital (leverage) ratio | 11.1555% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1999% | 1,506 |
| Memoranda: | ||
| Average total assets | $201,633,750 | 2,985 |
| Average earning assets | $187,346,250 | 2,975 |
| Average equity | $6,390,500 | 4,126 |
| Average total loans | $96,924,000 | 3,213 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 3,950 |
| Cost of funding earning assets | 0.5448% | 3,898 |
| Net interest margin | 3.3049% | 2,737 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.8367% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7993% | 3,081 |
| Return on assets (ROA) | 0.7223% | 3,292 |
| Pretax return on assets | 0.7223% | 3,559 |
| Return on Equity (ROE) | 19.6400% | 748 |
| Retained earnings to average equity (ytd only) | 14.9362% | 569 |
| Net charge-offs to loans | 0.0104% | 1,811 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 161.8000% | 713 |
| Efficiency ratio | 78.0163% | 1,001 |
| Assets per employee ($millions) | 5.1310% | 3,477 |
| Cash dividends to net income (ytd only)* | 23.9398% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 1,695 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 48.0700% | 3,683 |
| Net loans and leases to deposits | 56.5993% | 3,605 |
| Net loans and leases to core deposits | 58.0351% | 3,716 |
| Total domestic deposits to total assets | 84.9200% | 2,565 |
| Equity capital to assets | 3.5042% | 4,544 |
| Core capital (leverage) ratio | 10.3860% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2351% | 1,503 |
| Memoranda: | ||
| Average total assets | $202,417,333 | 2,983 |
| Average earning assets | $188,327,333 | 2,968 |
| Average equity | $7,445,000 | 4,022 |
| Average total loans | $96,204,000 | 3,217 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 3,976 |
| Cost of funding earning assets | 0.3730% | 4,027 |
| Net interest margin | 3.3592% | 2,732 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.8656% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8239% | 3,119 |
| Return on assets (ROA) | 0.7562% | 3,279 |
| Pretax return on assets | 0.7443% | 3,573 |
| Return on Equity (ROE) | 20.0800% | 754 |
| Retained earnings to average equity (ytd only) | 20.0753% | 372 |
| Net charge-offs to loans | -0.0085% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.9221% | 1,012 |
| Assets per employee ($millions) | 4.9533% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 1,594 |
| Loan loss allowance to noncurrent loans | 34,000.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,903 |
| Noncurrent loans to loans | 0.0041% | 3,824 |
| Net loans and leases to total assets | 48.1400% | 3,621 |
| Net loans and leases to deposits | 55.7215% | 3,582 |
| Net loans and leases to core deposits | 56.8546% | 3,697 |
| Total domestic deposits to total assets | 86.3900% | 2,481 |
| Equity capital to assets | 4.4183% | 4,505 |
| Core capital (leverage) ratio | 11.0441% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2690% | 1,551 |
| Memoranda: | ||
| Average total assets | $201,007,000 | 3,034 |
| Average earning assets | $187,664,500 | 3,014 |
| Average equity | $7,571,500 | 4,051 |
| Average total loans | $94,305,000 | 3,277 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2488% | 3,717 |
| Cost of funding earning assets | 0.1646% | 4,033 |
| Net interest margin | 3.0843% | 3,214 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.7444% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9689% | 2,682 |
| Return on assets (ROA) | 0.9383% | 2,764 |
| Pretax return on assets | 0.9851% | 3,115 |
| Return on Equity (ROE) | 20.3000% | 452 |
| Retained earnings to average equity (ytd only) | 13.6762% | 431 |
| Net charge-offs to loans | 0.0023% | 2,439 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,043.5000% | 172 |
| Efficiency ratio | 72.9558% | 1,336 |
| Assets per employee ($millions) | 5.2278% | 3,489 |
| Cash dividends to net income (ytd only)* | 32.6234% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 1,261 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 44.4000% | 3,873 |
| Net loans and leases to deposits | 48.6368% | 3,952 |
| Net loans and leases to core deposits | 49.3426% | 4,004 |
| Total domestic deposits to total assets | 91.2800% | 848 |
| Equity capital to assets | 3.1337% | 4,602 |
| Core capital (leverage) ratio | 9.9002% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0558% | 1,615 |
| Memoranda: | ||
| Average total assets | $205,148,000 | 3,011 |
| Average earning assets | $192,007,600 | 2,992 |
| Average equity | $9,483,600 | 3,935 |
| Average total loans | $86,718,800 | 3,319 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1194% | 3,633 |
| Cost of funding earning assets | 0.1301% | 4,033 |
| Net interest margin | 2.9893% | 3,243 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.7333% | 1,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8746% | 2,984 |
| Return on assets (ROA) | 0.8838% | 2,917 |
| Pretax return on assets | 0.9280% | 3,242 |
| Return on Equity (ROE) | 17.7000% | 686 |
| Retained earnings to average equity (ytd only) | 15.7933% | 296 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.8534% | 1,190 |
| Assets per employee ($millions) | 5.0862% | 3,606 |
| Cash dividends to net income (ytd only)* | 10.7930% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 1,107 |
| Loan loss allowance to noncurrent loans | 85.1504% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 624 |
| Noncurrent loans to loans | 1.8526% | 335 |
| Net loans and leases to total assets | 42.7400% | 3,954 |
| Net loans and leases to deposits | 44.3197% | 4,095 |
| Net loans and leases to core deposits | 44.5938% | 4,162 |
| Total domestic deposits to total assets | 96.4400% | 101 |
| Equity capital to assets | 1.1015% | 4,694 |
| Core capital (leverage) ratio | 9.7268% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2974% | 1,624 |
| Memoranda: | ||
| Average total assets | $205,464,250 | 3,028 |
| Average earning assets | $192,679,750 | 3,007 |
| Average equity | $10,257,250 | 3,884 |
| Average total loans | $85,429,250 | 3,349 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9919% | 3,582 |
| Cost of funding earning assets | 0.1336% | 3,795 |
| Net interest margin | 2.8583% | 3,272 |
| Noninterest income to average assets | 0.8401% | 966 |
| Noninterest expense to average assets | 2.6262% | 1,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8541% | 2,759 |
| Return on assets (ROA) | 0.8670% | 2,681 |
| Pretax return on assets | 0.9046% | 3,051 |
| Return on Equity (ROE) | 13.9172% | 1,134 |
| Retained earnings to average equity (ytd only) | 11.6466% | 670 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6648% | 1,430 |
| Assets per employee ($millions) | 4.9740% | 3,697 |
| Cash dividends to net income (ytd only)* | 16.3152% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 1,142 |
| Loan loss allowance to noncurrent loans | 711.5183% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 3,044 |
| Noncurrent loans to loans | 0.2254% | 2,593 |
| Net loans and leases to total assets | 41.9008% | 3,980 |
| Net loans and leases to deposits | 44.4177% | 4,095 |
| Net loans and leases to core deposits | 44.6978% | 4,169 |
| Total domestic deposits to total assets | 94.3335% | 228 |
| Equity capital to assets | 3.8053% | 4,640 |
| Core capital (leverage) ratio | 9.7075% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3163% | 1,623 |
| Memoranda: | ||
| Average total assets | $207,831,667 | 3,043 |
| Average earning assets | $194,660,667 | 3,030 |
| Average equity | $12,948,000 | 3,690 |
| Average total loans | $85,190,000 | 3,390 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8422% | 3,657 |
| Cost of funding earning assets | 0.1330% | 3,727 |
| Net interest margin | 2.7092% | 3,379 |
| Noninterest income to average assets | 0.5163% | 2,064 |
| Noninterest expense to average assets | 2.7041% | 1,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3272% | 4,092 |
| Return on assets (ROA) | 0.3505% | 4,019 |
| Pretax return on assets | 0.3693% | 4,086 |
| Return on Equity (ROE) | 4.7581% | 3,682 |
| Retained earnings to average equity (ytd only) | 4.7581% | 2,680 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6897% | 609 |
| Assets per employee ($millions) | 5.5222% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 1,202 |
| Loan loss allowance to noncurrent loans | 703.6269% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 3,163 |
| Noncurrent loans to loans | 0.2312% | 2,668 |
| Net loans and leases to total assets | 39.1322% | 4,068 |
| Net loans and leases to deposits | 42.9128% | 4,120 |
| Net loans and leases to core deposits | 43.3484% | 4,185 |
| Total domestic deposits to total assets | 91.1902% | 938 |
| Equity capital to assets | 5.4192% | 4,675 |
| Core capital (leverage) ratio | 9.5540% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8594% | 1,853 |
| Memoranda: | ||
| Average total assets | $212,268,500 | 3,024 |
| Average earning assets | $198,436,500 | 3,014 |
| Average equity | $15,636,500 | 3,501 |
| Average total loans | $85,423,000 | 3,395 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4839% | 2,705 |
| Cost of funding earning assets | 0.1686% | 3,786 |
| Net interest margin | 3.3153% | 2,268 |
| Noninterest income to average assets | 0.7358% | 1,640 |
| Noninterest expense to average assets | 2.7918% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0096% | 2,630 |
| Return on assets (ROA) | 1.1925% | 2,008 |
| Pretax return on assets | 1.2556% | 2,504 |
| Return on Equity (ROE) | 12.1043% | 1,779 |
| Retained earnings to average equity (ytd only) | 7.7378% | 1,645 |
| Net charge-offs to loans | -0.0820% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4241% | 1,463 |
| Assets per employee ($millions) | 5.6498% | 3,118 |
| Cash dividends to net income (ytd only)* | 36.0738% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 1,375 |
| Loan loss allowance to noncurrent loans | 478.1690% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 3,015 |
| Noncurrent loans to loans | 0.3251% | 2,426 |
| Net loans and leases to total assets | 40.0634% | 4,090 |
| Net loans and leases to deposits | 45.9091% | 4,098 |
| Net loans and leases to core deposits | 46.8266% | 4,149 |
| Total domestic deposits to total assets | 87.2669% | 2,406 |
| Equity capital to assets | 9.2696% | 3,351 |
| Core capital (leverage) ratio | 9.8517% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4934% | 2,050 |
| Memoranda: | ||
| Average total assets | $199,907,800 | 3,065 |
| Average earning assets | $188,067,200 | 3,045 |
| Average equity | $19,695,400 | 3,241 |
| Average total loans | $91,499,000 | 3,318 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6429% | 2,442 |
| Cost of funding earning assets | 0.1789% | 3,834 |
| Net interest margin | 3.4640% | 1,970 |
| Noninterest income to average assets | 0.7536% | 1,663 |
| Noninterest expense to average assets | 2.8071% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2089% | 2,139 |
| Return on assets (ROA) | 1.4705% | 1,388 |
| Pretax return on assets | 1.4718% | 2,073 |
| Return on Equity (ROE) | 14.6877% | 1,199 |
| Retained earnings to average equity (ytd only) | 9.4547% | 1,511 |
| Net charge-offs to loans | -0.1167% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8748% | 1,615 |
| Assets per employee ($millions) | 5.1612% | 3,543 |
| Cash dividends to net income (ytd only)* | 35.6285% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 1,606 |
| Loan loss allowance to noncurrent loans | 696.4286% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 3,454 |
| Noncurrent loans to loans | 0.2163% | 3,086 |
| Net loans and leases to total assets | 44.3474% | 3,922 |
| Net loans and leases to deposits | 51.4929% | 3,918 |
| Net loans and leases to core deposits | 52.6917% | 4,003 |
| Total domestic deposits to total assets | 86.1234% | 2,700 |
| Equity capital to assets | 9.6658% | 3,226 |
| Core capital (leverage) ratio | 9.9308% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4139% | 2,197 |
| Memoranda: | ||
| Average total assets | $196,211,750 | 3,130 |
| Average earning assets | $184,867,000 | 3,101 |
| Average equity | $19,644,000 | 3,288 |
| Average total loans | $92,531,000 | 3,342 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4637% | 2,997 |
| Cost of funding earning assets | 0.1936% | 3,820 |
| Net interest margin | 3.2700% | 2,552 |
| Noninterest income to average assets | 0.7886% | 1,568 |
| Noninterest expense to average assets | 2.8264% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0508% | 2,715 |
| Return on assets (ROA) | 1.4446% | 1,499 |
| Pretax return on assets | 1.4466% | 2,187 |
| Return on Equity (ROE) | 14.2591% | 1,333 |
| Retained earnings to average equity (ytd only) | 9.5907% | 1,532 |
| Net charge-offs to loans | -0.1717% | 4,767 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8598% | 1,348 |
| Assets per employee ($millions) | 5.4036% | 3,239 |
| Cash dividends to net income (ytd only)* | 32.7402% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 1,807 |
| Loan loss allowance to noncurrent loans | 45,433.3333% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,328 |
| Noncurrent loans to loans | 0.0032% | 4,250 |
| Net loans and leases to total assets | 46.6329% | 3,856 |
| Net loans and leases to deposits | 53.2778% | 3,904 |
| Net loans and leases to core deposits | 54.5062% | 3,995 |
| Total domestic deposits to total assets | 87.5278% | 2,082 |
| Equity capital to assets | 9.8954% | 2,950 |
| Core capital (leverage) ratio | 9.6359% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0663% | 1,947 |
| Memoranda: | ||
| Average total assets | $194,519,667 | 3,142 |
| Average earning assets | $183,852,000 | 3,110 |
| Average equity | $19,706,667 | 3,272 |
| Average total loans | $93,164,333 | 3,352 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 2,443 |
| Cost of funding earning assets | 0.2339% | 3,614 |
| Net interest margin | 3.4350% | 2,001 |
| Noninterest income to average assets | 0.9009% | 1,326 |
| Noninterest expense to average assets | 2.8444% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2992% | 1,831 |
| Return on assets (ROA) | 1.4931% | 1,412 |
| Pretax return on assets | 1.4973% | 1,998 |
| Return on Equity (ROE) | 14.5617% | 1,311 |
| Retained earnings to average equity (ytd only) | 14.5617% | 679 |
| Net charge-offs to loans | -0.3159% | 4,852 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5772% | 1,864 |
| Assets per employee ($millions) | 5.2680% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 1,646 |
| Loan loss allowance to noncurrent loans | 678.0000% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 3,689 |
| Noncurrent loans to loans | 0.2197% | 3,318 |
| Net loans and leases to total assets | 44.8041% | 4,057 |
| Net loans and leases to deposits | 50.9799% | 4,111 |
| Net loans and leases to core deposits | 51.9234% | 4,199 |
| Total domestic deposits to total assets | 87.8857% | 1,902 |
| Equity capital to assets | 9.6980% | 3,002 |
| Core capital (leverage) ratio | 9.9362% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3279% | 1,806 |
| Memoranda: | ||
| Average total assets | $191,813,500 | 3,151 |
| Average earning assets | $181,309,000 | 3,121 |
| Average equity | $19,668,000 | 3,270 |
| Average total loans | $92,448,000 | 3,372 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 2,748 |
| Cost of funding earning assets | 0.3249% | 4,005 |
| Net interest margin | 3.6688% | 1,917 |
| Noninterest income to average assets | 0.7609% | 1,655 |
| Noninterest expense to average assets | 3.1462% | 1,152 |
| Loan and lease loss provision to assets | 0.0691% | 3,518 |
| Net operating income to assets | 0.9776% | 2,365 |
| Return on assets (ROA) | 1.0761% | 2,146 |
| Pretax return on assets | 1.0772% | 2,782 |
| Return on Equity (ROE) | 9.7994% | 2,077 |
| Retained earnings to average equity (ytd only) | 5.4252% | 2,080 |
| Net charge-offs to loans | -0.0212% | 4,440 |
| Credit loss provision to net charge-offs | -590.0000% | 3,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0140% | 1,332 |
| Assets per employee ($millions) | 4.5861% | 3,826 |
| Cash dividends to net income (ytd only)* | 44.6380% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 2,113 |
| Loan loss allowance to noncurrent loans | 1,564.6341% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 4,124 |
| Noncurrent loans to loans | 0.0874% | 3,939 |
| Net loans and leases to total assets | 50.4606% | 3,793 |
| Net loans and leases to deposits | 58.9165% | 3,836 |
| Net loans and leases to core deposits | 61.7444% | 3,844 |
| Total domestic deposits to total assets | 85.6478% | 2,515 |
| Equity capital to assets | 10.8601% | 2,377 |
| Core capital (leverage) ratio | 9.9473% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4971% | 2,054 |
| Memoranda: | ||
| Average total assets | $170,716,400 | 3,188 |
| Average earning assets | $159,752,800 | 3,170 |
| Average equity | $18,746,000 | 3,302 |
| Average total loans | $94,354,000 | 3,332 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9819% | 3,025 |
| Cost of funding earning assets | 0.3357% | 4,123 |
| Net interest margin | 3.6462% | 2,108 |
| Noninterest income to average assets | 0.7234% | 1,723 |
| Noninterest expense to average assets | 3.1682% | 1,126 |
| Loan and lease loss provision to assets | 0.0734% | 3,408 |
| Net operating income to assets | 0.8858% | 2,752 |
| Return on assets (ROA) | 1.0195% | 2,392 |
| Pretax return on assets | 1.0211% | 2,991 |
| Return on Equity (ROE) | 9.2562% | 2,300 |
| Retained earnings to average equity (ytd only) | 5.3182% | 2,421 |
| Net charge-offs to loans | -0.0226% | 4,455 |
| Credit loss provision to net charge-offs | -575.0000% | 3,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7348% | 1,139 |
| Assets per employee ($millions) | 4.4637% | 3,886 |
| Cash dividends to net income (ytd only)* | 42.5449% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,463 |
| Loan loss allowance to noncurrent loans | 1,407.8652% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 4,190 |
| Noncurrent loans to loans | 0.0879% | 4,018 |
| Net loans and leases to total assets | 56.0343% | 3,623 |
| Net loans and leases to deposits | 66.0778% | 3,615 |
| Net loans and leases to core deposits | 70.3491% | 3,601 |
| Total domestic deposits to total assets | 84.8006% | 2,515 |
| Equity capital to assets | 10.7082% | 2,616 |
| Core capital (leverage) ratio | 9.9264% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2664% | 2,078 |
| Memoranda: | ||
| Average total assets | $167,535,000 | 3,200 |
| Average earning assets | $156,469,000 | 3,184 |
| Average equity | $18,452,000 | 3,321 |
| Average total loans | $94,480,250 | 3,338 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 3,247 |
| Cost of funding earning assets | 0.3501% | 4,269 |
| Net interest margin | 3.6805% | 2,241 |
| Noninterest income to average assets | 0.6457% | 1,949 |
| Noninterest expense to average assets | 3.2344% | 1,102 |
| Loan and lease loss provision to assets | 0.0537% | 3,633 |
| Net operating income to assets | 0.7811% | 3,105 |
| Return on assets (ROA) | 0.9728% | 2,545 |
| Pretax return on assets | 0.9752% | 3,100 |
| Return on Equity (ROE) | 8.7440% | 2,475 |
| Retained earnings to average equity (ytd only) | 4.8822% | 2,529 |
| Net charge-offs to loans | -0.0282% | 4,518 |
| Credit loss provision to net charge-offs | -338.4615% | 3,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4365% | 931 |
| Assets per employee ($millions) | 4.5512% | 3,722 |
| Cash dividends to net income (ytd only)* | 44.1656% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,486 |
| Loan loss allowance to noncurrent loans | 1,278.7234% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 3,991 |
| Noncurrent loans to loans | 0.0943% | 4,083 |
| Net loans and leases to total assets | 55.4761% | 3,731 |
| Net loans and leases to deposits | 64.8962% | 3,814 |
| Net loans and leases to core deposits | 69.0807% | 3,777 |
| Total domestic deposits to total assets | 85.4843% | 2,209 |
| Equity capital to assets | 10.6148% | 2,649 |
| Core capital (leverage) ratio | 10.0177% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4952% | 2,002 |
| Memoranda: | ||
| Average total assets | $163,864,667 | 3,211 |
| Average earning assets | $152,535,333 | 3,199 |
| Average equity | $18,229,667 | 3,338 |
| Average total loans | $92,207,000 | 3,369 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2925% | 2,948 |
| Cost of funding earning assets | 0.3760% | 4,444 |
| Net interest margin | 3.9165% | 1,619 |
| Noninterest income to average assets | 0.6546% | 1,820 |
| Noninterest expense to average assets | 3.3748% | 1,104 |
| Loan and lease loss provision to assets | 0.0433% | 3,237 |
| Net operating income to assets | 0.8660% | 2,631 |
| Return on assets (ROA) | 1.0162% | 2,230 |
| Pretax return on assets | 1.0213% | 2,778 |
| Return on Equity (ROE) | 8.9043% | 2,151 |
| Retained earnings to average equity (ytd only) | 6.6726% | 1,657 |
| Net charge-offs to loans | -0.0769% | 4,764 |
| Credit loss provision to net charge-offs | -100.0000% | 3,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6817% | 1,263 |
| Assets per employee ($millions) | 4.0352% | 3,871 |
| Cash dividends to net income (ytd only)* | 25.0627% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 2,002 |
| Loan loss allowance to noncurrent loans | 900.0000% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 3,942 |
| Noncurrent loans to loans | 0.1478% | 3,929 |
| Net loans and leases to total assets | 54.2009% | 3,974 |
| Net loans and leases to deposits | 64.3142% | 3,966 |
| Net loans and leases to core deposits | 69.1103% | 3,931 |
| Total domestic deposits to total assets | 84.2752% | 2,681 |
| Equity capital to assets | 11.3905% | 2,532 |
| Core capital (leverage) ratio | 11.0800% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0641% | 1,884 |
| Memoranda: | ||
| Average total assets | $157,048,000 | 3,247 |
| Average earning assets | $145,742,000 | 3,230 |
| Average equity | $17,924,000 | 3,375 |
| Average total loans | $88,475,000 | 3,431 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 3,033 |
| Cost of funding earning assets | 0.4763% | 4,183 |
| Net interest margin | 3.9957% | 1,872 |
| Noninterest income to average assets | 0.7624% | 1,576 |
| Noninterest expense to average assets | 3.3846% | 1,140 |
| Loan and lease loss provision to assets | 0.0396% | 3,226 |
| Net operating income to assets | 1.0227% | 2,758 |
| Return on assets (ROA) | 1.1225% | 2,459 |
| Pretax return on assets | 1.1238% | 3,100 |
| Return on Equity (ROE) | 10.2607% | 2,178 |
| Retained earnings to average equity (ytd only) | 7.0236% | 1,378 |
| Net charge-offs to loans | 0.1130% | 1,604 |
| Credit loss provision to net charge-offs | 61.8557% | 3,017 |
| Earnings coverage of net charge-offs (x) | 16.5979% | 2,154 |
| Efficiency ratio | 76.0879% | 1,354 |
| Assets per employee ($millions) | 3.8172% | 4,137 |
| Cash dividends to net income (ytd only)* | 31.5480% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 1,938 |
| Loan loss allowance to noncurrent loans | 8,178.5714% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 4,269 |
| Noncurrent loans to loans | 0.0159% | 4,513 |
| Net loans and leases to total assets | 57.0716% | 3,842 |
| Net loans and leases to deposits | 67.5404% | 3,861 |
| Net loans and leases to core deposits | 70.2282% | 3,952 |
| Total domestic deposits to total assets | 84.4999% | 2,683 |
| Equity capital to assets | 11.4370% | 2,584 |
| Core capital (leverage) ratio | 11.1542% | 2,370 |
| Tier 1 risk-based capital ratio | 14.4589% | 3,040 |
| Total risk-based capital ratio | 15.4284% | 3,085 |
| Memoranda: | ||
| Average total assets | $151,361,200 | 3,281 |
| Average earning assets | $139,623,400 | 3,282 |
| Average equity | $16,558,400 | 3,489 |
| Average total loans | $85,857,800 | 3,485 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 3,128 |
| Cost of funding earning assets | 0.5006% | 4,139 |
| Net interest margin | 3.9802% | 2,015 |
| Noninterest income to average assets | 0.7875% | 1,455 |
| Noninterest expense to average assets | 3.3070% | 1,253 |
| Loan and lease loss provision to assets | 0.0327% | 3,255 |
| Net operating income to assets | 1.1168% | 2,507 |
| Return on assets (ROA) | 1.2315% | 2,166 |
| Pretax return on assets | 1.2333% | 2,877 |
| Return on Equity (ROE) | 11.3882% | 1,846 |
| Retained earnings to average equity (ytd only) | 7.1839% | 1,770 |
| Net charge-offs to loans | 0.1329% | 1,200 |
| Credit loss provision to net charge-offs | 43.5294% | 2,832 |
| Earnings coverage of net charge-offs (x) | 15.3412% | 2,192 |
| Efficiency ratio | 74.1782% | 1,539 |
| Assets per employee ($millions) | 4.0182% | 3,880 |
| Cash dividends to net income (ytd only)* | 36.9177% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 1,942 |
| Loan loss allowance to noncurrent loans | 833.8235% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 3,958 |
| Noncurrent loans to loans | 0.1565% | 3,976 |
| Net loans and leases to total assets | 56.1558% | 4,036 |
| Net loans and leases to deposits | 67.1375% | 3,985 |
| Net loans and leases to core deposits | 68.8469% | 4,116 |
| Total domestic deposits to total assets | 83.6430% | 2,954 |
| Equity capital to assets | 11.3397% | 2,804 |
| Core capital (leverage) ratio | 11.1947% | 2,473 |
| Tier 1 risk-based capital ratio | 13.7653% | 3,439 |
| Total risk-based capital ratio | 14.6949% | 3,507 |
| Memoranda: | ||
| Average total assets | $151,029,250 | 3,319 |
| Average earning assets | $139,287,250 | 3,321 |
| Average equity | $16,332,250 | 3,538 |
| Average total loans | $85,250,500 | 3,536 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 3,154 |
| Cost of funding earning assets | 0.5213% | 4,027 |
| Net interest margin | 3.9370% | 2,131 |
| Noninterest income to average assets | 0.7895% | 1,383 |
| Noninterest expense to average assets | 3.3016% | 1,282 |
| Loan and lease loss provision to assets | 0.0199% | 3,393 |
| Net operating income to assets | 1.0992% | 2,524 |
| Return on assets (ROA) | 1.2334% | 2,086 |
| Pretax return on assets | 1.2361% | 2,799 |
| Return on Equity (ROE) | 11.5966% | 1,744 |
| Retained earnings to average equity (ytd only) | 7.7602% | 1,494 |
| Net charge-offs to loans | 0.1960% | 844 |
| Credit loss provision to net charge-offs | 18.0723% | 2,669 |
| Earnings coverage of net charge-offs (x) | 10.1687% | 2,285 |
| Efficiency ratio | 74.6394% | 1,565 |
| Assets per employee ($millions) | 4.1053% | 3,723 |
| Cash dividends to net income (ytd only)* | 33.0819% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,058 |
| Loan loss allowance to noncurrent loans | 323.8372% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 3,317 |
| Noncurrent loans to loans | 0.3985% | 3,102 |
| Net loans and leases to total assets | 57.6633% | 3,945 |
| Net loans and leases to deposits | 68.8185% | 3,915 |
| Net loans and leases to core deposits | 70.6259% | 4,082 |
| Total domestic deposits to total assets | 83.7904% | 2,952 |
| Equity capital to assets | 11.3838% | 2,718 |
| Core capital (leverage) ratio | 11.0944% | 2,508 |
| Tier 1 risk-based capital ratio | 14.2841% | 3,170 |
| Total risk-based capital ratio | 15.2465% | 3,234 |
| Memoranda: | ||
| Average total assets | $150,474,670 | 3,344 |
| Average earning assets | $138,886,000 | 3,345 |
| Average equity | $16,004,670 | 3,578 |
| Average total loans | $84,707,330 | 3,574 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 3,241 |
| Cost of funding earning assets | 0.5360% | 3,891 |
| Net interest margin | 3.8604% | 2,313 |
| Noninterest income to average assets | 0.7193% | 1,547 |
| Noninterest expense to average assets | 3.2592% | 1,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0223% | 2,769 |
| Return on assets (ROA) | 1.1593% | 2,275 |
| Pretax return on assets | 1.1646% | 2,924 |
| Return on Equity (ROE) | 11.2857% | 1,829 |
| Retained earnings to average equity (ytd only) | 11.2857% | 751 |
| Net charge-offs to loans | 0.1907% | 730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 2,001 |
| Efficiency ratio | 76.0295% | 1,493 |
| Assets per employee ($millions) | 3.7536% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 1,931 |
| Loan loss allowance to noncurrent loans | 548.5577% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 3,768 |
| Noncurrent loans to loans | 0.2438% | 3,693 |
| Net loans and leases to total assets | 56.0636% | 4,055 |
| Net loans and leases to deposits | 66.2926% | 4,034 |
| Net loans and leases to core deposits | 68.8531% | 4,140 |
| Total domestic deposits to total assets | 84.5699% | 2,829 |
| Equity capital to assets | 10.7485% | 3,105 |
| Core capital (leverage) ratio | 10.7799% | 2,778 |
| Tier 1 risk-based capital ratio | 14.8077% | 2,958 |
| Total risk-based capital ratio | 15.8409% | 2,987 |
| Memoranda: | ||
| Average total assets | $151,817,500 | 3,365 |
| Average earning assets | $140,297,500 | 3,363 |
| Average equity | $15,595,000 | 3,633 |
| Average total loans | $83,894,000 | 3,613 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3522% | 2,920 |
| Cost of funding earning assets | 0.4398% | 3,743 |
| Net interest margin | 3.9124% | 2,292 |
| Noninterest income to average assets | 0.8016% | 1,442 |
| Noninterest expense to average assets | 3.3002% | 1,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0958% | 2,617 |
| Return on assets (ROA) | 1.0897% | 2,638 |
| Pretax return on assets | 1.0910% | 3,308 |
| Return on Equity (ROE) | 10.0513% | 2,494 |
| Retained earnings to average equity (ytd only) | -10.5087% | 5,325 |
| Net charge-offs to loans | -0.0083% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0502% | 1,488 |
| Assets per employee ($millions) | 3.8373% | 4,119 |
| Cash dividends to net income (ytd only)* | 204.5511% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 1,514 |
| Loan loss allowance to noncurrent loans | 1,790.9091% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 4,220 |
| Noncurrent loans to loans | 0.0800% | 4,391 |
| Net loans and leases to total assets | 52.9601% | 4,353 |
| Net loans and leases to deposits | 64.2909% | 4,241 |
| Net loans and leases to core deposits | 66.7839% | 4,309 |
| Total domestic deposits to total assets | 82.3757% | 3,527 |
| Equity capital to assets | 9.8063% | 3,859 |
| Core capital (leverage) ratio | 10.5217% | 3,006 |
| Tier 1 risk-based capital ratio | 12.8970% | 3,905 |
| Total risk-based capital ratio | 13.8550% | 3,952 |
| Memoranda: | ||
| Average total assets | $147,202,000 | 3,414 |
| Average earning assets | $135,287,800 | 3,422 |
| Average equity | $15,958,200 | 3,514 |
| Average total loans | $84,549,600 | 3,583 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 2,812 |
| Cost of funding earning assets | 0.4030% | 3,839 |
| Net interest margin | 3.9402% | 2,161 |
| Noninterest income to average assets | 0.8551% | 1,320 |
| Noninterest expense to average assets | 3.2502% | 1,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2195% | 2,157 |
| Return on assets (ROA) | 1.2131% | 2,186 |
| Pretax return on assets | 1.2149% | 2,931 |
| Return on Equity (ROE) | 10.9153% | 2,212 |
| Retained earnings to average equity (ytd only) | -3.0068% | 5,251 |
| Net charge-offs to loans | -0.0094% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6863% | 1,779 |
| Assets per employee ($millions) | 3.7252% | 4,269 |
| Cash dividends to net income (ytd only)* | 127.5475% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 1,616 |
| Loan loss allowance to noncurrent loans | 952.4194% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 4,088 |
| Noncurrent loans to loans | 0.1493% | 4,217 |
| Net loans and leases to total assets | 54.9387% | 4,300 |
| Net loans and leases to deposits | 68.1803% | 4,047 |
| Net loans and leases to core deposits | 70.9690% | 4,131 |
| Total domestic deposits to total assets | 80.5786% | 3,980 |
| Equity capital to assets | 10.6123% | 3,032 |
| Core capital (leverage) ratio | 11.7474% | 1,969 |
| Tier 1 risk-based capital ratio | 14.0675% | 3,339 |
| Total risk-based capital ratio | 15.0321% | 3,383 |
| Memoranda: | ||
| Average total assets | $145,629,250 | 3,473 |
| Average earning assets | $133,660,750 | 3,482 |
| Average equity | $16,184,750 | 3,523 |
| Average total loans | $85,069,000 | 3,598 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 2,673 |
| Cost of funding earning assets | 0.3625% | 3,993 |
| Net interest margin | 3.9648% | 1,983 |
| Noninterest income to average assets | 0.8581% | 1,294 |
| Noninterest expense to average assets | 3.2760% | 1,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2124% | 2,142 |
| Return on assets (ROA) | 1.2027% | 2,185 |
| Pretax return on assets | 1.2055% | 2,919 |
| Return on Equity (ROE) | 10.6569% | 2,252 |
| Retained earnings to average equity (ytd only) | -7.4194% | 5,367 |
| Net charge-offs to loans | -0.0070% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9430% | 1,856 |
| Assets per employee ($millions) | 3.6561% | 4,394 |
| Cash dividends to net income (ytd only)* | 169.6203% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 1,845 |
| Loan loss allowance to noncurrent loans | 1,529.8701% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 4,199 |
| Noncurrent loans to loans | 0.0896% | 4,513 |
| Net loans and leases to total assets | 59.4255% | 3,859 |
| Net loans and leases to deposits | 71.9131% | 3,721 |
| Net loans and leases to core deposits | 74.9120% | 3,815 |
| Total domestic deposits to total assets | 82.6352% | 3,512 |
| Equity capital to assets | 11.1062% | 2,537 |
| Core capital (leverage) ratio | 11.8296% | 1,818 |
| Tier 1 risk-based capital ratio | 13.8649% | 3,431 |
| Total risk-based capital ratio | 14.8266% | 3,488 |
| Memoranda: | ||
| Average total assets | $144,503,670 | 3,507 |
| Average earning assets | $132,415,330 | 3,522 |
| Average equity | $16,308,670 | 3,521 |
| Average total loans | $85,744,330 | 3,609 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 2,897 |
| Cost of funding earning assets | 0.3479% | 4,010 |
| Net interest margin | 3.8480% | 2,235 |
| Noninterest income to average assets | 0.8349% | 1,350 |
| Noninterest expense to average assets | 3.2461% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1188% | 2,341 |
| Return on assets (ROA) | 1.1188% | 2,359 |
| Pretax return on assets | 1.1243% | 3,072 |
| Return on Equity (ROE) | 9.9978% | 2,430 |
| Retained earnings to average equity (ytd only) | -14.6274% | 5,450 |
| Net charge-offs to loans | -0.0187% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2749% | 1,863 |
| Assets per employee ($millions) | 3.7357% | 4,363 |
| Cash dividends to net income (ytd only)* | 246.3054% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 1,906 |
| Loan loss allowance to noncurrent loans | 2,222.6415% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 4,341 |
| Noncurrent loans to loans | 0.0622% | 4,700 |
| Net loans and leases to total assets | 57.6813% | 3,970 |
| Net loans and leases to deposits | 68.3344% | 3,924 |
| Net loans and leases to core deposits | 72.0612% | 3,952 |
| Total domestic deposits to total assets | 84.4103% | 3,143 |
| Equity capital to assets | 10.7206% | 2,851 |
| Core capital (leverage) ratio | 11.6668% | 1,882 |
| Tier 1 risk-based capital ratio | 14.0722% | 3,342 |
| Total risk-based capital ratio | 15.0652% | 3,398 |
| Memoranda: | ||
| Average total assets | $145,160,000 | 3,529 |
| Average earning assets | $133,366,500 | 3,544 |
| Average equity | $16,243,500 | 3,555 |
| Average total loans | $85,661,000 | 3,635 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 2,676 |
| Cost of funding earning assets | 0.3010% | 4,130 |
| Net interest margin | 3.9029% | 2,082 |
| Noninterest income to average assets | 0.8891% | 1,305 |
| Noninterest expense to average assets | 3.5134% | 1,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9580% | 2,408 |
| Return on assets (ROA) | 1.0092% | 2,234 |
| Pretax return on assets | 1.0106% | 3,526 |
| Return on Equity (ROE) | 8.7481% | 2,430 |
| Retained earnings to average equity (ytd only) | -0.2011% | 5,064 |
| Net charge-offs to loans | 0.1516% | 1,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 10.7328% | 2,642 |
| Efficiency ratio | 78.5507% | 1,279 |
| Assets per employee ($millions) | 3.6157% | 4,546 |
| Cash dividends to net income (ytd only)* | 102.2989% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 1,910 |
| Loan loss allowance to noncurrent loans | 1,525.9740% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 4,244 |
| Noncurrent loans to loans | 0.0894% | 4,596 |
| Net loans and leases to total assets | 58.7245% | 3,949 |
| Net loans and leases to deposits | 70.8865% | 3,803 |
| Net loans and leases to core deposits | 74.8596% | 3,820 |
| Total domestic deposits to total assets | 82.8429% | 3,612 |
| Equity capital to assets | 11.6630% | 2,066 |
| Core capital (leverage) ratio | 12.0463% | 1,580 |
| Tier 1 risk-based capital ratio | 14.5496% | 3,065 |
| Total risk-based capital ratio | 15.5385% | 3,098 |
| Memoranda: | ||
| Average total assets | $146,553,200 | 3,515 |
| Average earning assets | $134,566,000 | 3,536 |
| Average equity | $16,906,600 | 3,488 |
| Average total loans | $86,412,600 | 3,604 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 2,713 |
| Cost of funding earning assets | 0.2902% | 4,230 |
| Net interest margin | 3.8803% | 2,109 |
| Noninterest income to average assets | 0.9077% | 1,249 |
| Noninterest expense to average assets | 3.2182% | 1,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2523% | 1,505 |
| Return on assets (ROA) | 1.3067% | 1,347 |
| Pretax return on assets | 1.3085% | 2,442 |
| Return on Equity (ROE) | 11.3577% | 1,546 |
| Retained earnings to average equity (ytd only) | 0.4256% | 5,125 |
| Net charge-offs to loans | -0.0123% | 4,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9586% | 2,210 |
| Assets per employee ($millions) | 3.7942% | 4,314 |
| Cash dividends to net income (ytd only)* | 96.2525% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 1,602 |
| Loan loss allowance to noncurrent loans | 314.1148% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 3,372 |
| Noncurrent loans to loans | 0.4715% | 3,275 |
| Net loans and leases to total assets | 60.5733% | 3,801 |
| Net loans and leases to deposits | 74.0301% | 3,559 |
| Net loans and leases to core deposits | 78.2472% | 3,608 |
| Total domestic deposits to total assets | 81.8226% | 3,825 |
| Equity capital to assets | 11.8173% | 2,098 |
| Core capital (leverage) ratio | 12.0561% | 1,649 |
| Tier 1 risk-based capital ratio | 14.3193% | 3,286 |
| Total risk-based capital ratio | 15.4012% | 3,280 |
| Memoranda: | ||
| Average total assets | $147,034,500 | 3,535 |
| Average earning assets | $135,072,250 | 3,553 |
| Average equity | $16,916,250 | 3,530 |
| Average total loans | $86,489,000 | 3,624 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 2,856 |
| Cost of funding earning assets | 0.2873% | 4,216 |
| Net interest margin | 3.8043% | 2,273 |
| Noninterest income to average assets | 0.9244% | 1,201 |
| Noninterest expense to average assets | 3.0084% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4028% | 1,064 |
| Return on assets (ROA) | 1.4299% | 1,024 |
| Pretax return on assets | 1.4326% | 1,889 |
| Return on Equity (ROE) | 12.5202% | 1,158 |
| Retained earnings to average equity (ytd only) | -2.0236% | 5,349 |
| Net charge-offs to loans | -0.0117% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1568% | 2,986 |
| Assets per employee ($millions) | 3.8346% | 4,224 |
| Cash dividends to net income (ytd only)* | 116.1626% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 1,429 |
| Loan loss allowance to noncurrent loans | 617.9245% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 4,055 |
| Noncurrent loans to loans | 0.2494% | 4,141 |
| Net loans and leases to total assets | 57.4389% | 4,084 |
| Net loans and leases to deposits | 69.0106% | 3,988 |
| Net loans and leases to core deposits | 73.1455% | 4,009 |
| Total domestic deposits to total assets | 83.2321% | 3,490 |
| Equity capital to assets | 11.5515% | 2,278 |
| Core capital (leverage) ratio | 11.7493% | 1,797 |
| Tier 1 risk-based capital ratio | 14.8858% | 2,978 |
| Total risk-based capital ratio | 16.0228% | 2,961 |
| Memoranda: | ||
| Average total assets | $147,986,330 | 3,548 |
| Average earning assets | $135,741,000 | 3,560 |
| Average equity | $16,900,670 | 3,547 |
| Average total loans | $85,769,670 | 3,661 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 3,025 |
| Cost of funding earning assets | 0.2861% | 4,184 |
| Net interest margin | 3.7187% | 2,423 |
| Noninterest income to average assets | 1.0193% | 967 |
| Noninterest expense to average assets | 2.9506% | 2,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4860% | 836 |
| Return on assets (ROA) | 1.4914% | 850 |
| Pretax return on assets | 1.4914% | 1,556 |
| Return on Equity (ROE) | 13.1326% | 972 |
| Retained earnings to average equity (ytd only) | 11.3611% | 553 |
| Net charge-offs to loans | -0.0093% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5054% | 3,411 |
| Assets per employee ($millions) | 4.0345% | 3,953 |
| Cash dividends to net income (ytd only)* | 13.4892% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 1,591 |
| Loan loss allowance to noncurrent loans | 417.8914% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 3,881 |
| Noncurrent loans to loans | 0.3658% | 3,778 |
| Net loans and leases to total assets | 56.4380% | 4,123 |
| Net loans and leases to deposits | 67.7025% | 4,015 |
| Net loans and leases to core deposits | 73.9734% | 3,833 |
| Total domestic deposits to total assets | 83.3618% | 3,715 |
| Equity capital to assets | 11.5477% | 2,153 |
| Core capital (leverage) ratio | 12.1035% | 1,560 |
| Tier 1 risk-based capital ratio | 14.8750% | 3,032 |
| Total risk-based capital ratio | 15.9633% | 3,033 |
| Memoranda: | ||
| Average total assets | $149,123,000 | 3,565 |
| Average earning assets | $137,035,500 | 3,574 |
| Average equity | $16,935,000 | 3,556 |
| Average total loans | $86,151,500 | 3,684 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 2,749 |
| Cost of funding earning assets | 0.2880% | 4,190 |
| Net interest margin | 3.8384% | 2,177 |
| Noninterest income to average assets | 0.8385% | 1,621 |
| Noninterest expense to average assets | 3.0606% | 2,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2801% | 1,266 |
| Return on assets (ROA) | 1.3471% | 1,160 |
| Pretax return on assets | 1.3484% | 2,110 |
| Return on Equity (ROE) | 11.2768% | 1,478 |
| Retained earnings to average equity (ytd only) | 4.1884% | 2,929 |
| Net charge-offs to loans | -0.0119% | 4,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4863% | 2,831 |
| Assets per employee ($millions) | 3.9202% | 4,115 |
| Cash dividends to net income (ytd only)* | 62.8586% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 1,648 |
| Loan loss allowance to noncurrent loans | 786.1446% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 4,381 |
| Noncurrent loans to loans | 0.1914% | 4,477 |
| Net loans and leases to total assets | 57.3549% | 4,133 |
| Net loans and leases to deposits | 68.6880% | 4,031 |
| Net loans and leases to core deposits | 76.4080% | 3,716 |
| Total domestic deposits to total assets | 83.5006% | 3,599 |
| Equity capital to assets | 11.1647% | 2,461 |
| Core capital (leverage) ratio | 11.8934% | 1,669 |
| Tier 1 risk-based capital ratio | 14.4125% | 3,232 |
| Total risk-based capital ratio | 15.4936% | 3,253 |
| Memoranda: | ||
| Average total assets | $144,908,200 | 3,591 |
| Average earning assets | $132,270,000 | 3,615 |
| Average equity | $17,309,800 | 3,513 |
| Average total loans | $84,377,600 | 3,701 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 2,795 |
| Cost of funding earning assets | 0.2862% | 4,236 |
| Net interest margin | 3.8357% | 2,206 |
| Noninterest income to average assets | 0.8451% | 1,590 |
| Noninterest expense to average assets | 3.0818% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2639% | 1,399 |
| Return on assets (ROA) | 1.3334% | 1,285 |
| Pretax return on assets | 1.3352% | 2,288 |
| Return on Equity (ROE) | 10.9766% | 1,679 |
| Retained earnings to average equity (ytd only) | 6.1481% | 2,092 |
| Net charge-offs to loans | -0.0111% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8866% | 2,763 |
| Assets per employee ($millions) | 3.8353% | 4,240 |
| Cash dividends to net income (ytd only)* | 43.9889% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 1,613 |
| Loan loss allowance to noncurrent loans | 1,205.5556% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 4,647 |
| Noncurrent loans to loans | 0.1284% | 4,827 |
| Net loans and leases to total assets | 56.8200% | 4,218 |
| Net loans and leases to deposits | 68.3459% | 4,117 |
| Net loans and leases to core deposits | 76.2544% | 3,808 |
| Total domestic deposits to total assets | 83.1358% | 3,531 |
| Equity capital to assets | 12.2718% | 1,924 |
| Core capital (leverage) ratio | 11.9857% | 1,687 |
| Tier 1 risk-based capital ratio | 14.9887% | 3,058 |
| Total risk-based capital ratio | 16.1054% | 3,053 |
| Memoranda: | ||
| Average total assets | $143,893,000 | 3,625 |
| Average earning assets | $131,392,500 | 3,650 |
| Average equity | $17,479,250 | 3,514 |
| Average total loans | $83,785,500 | 3,734 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0760% | 2,968 |
| Cost of funding earning assets | 0.2786% | 4,367 |
| Net interest margin | 3.7974% | 2,328 |
| Noninterest income to average assets | 0.8292% | 1,614 |
| Noninterest expense to average assets | 3.0891% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2005% | 1,594 |
| Return on assets (ROA) | 1.2745% | 1,466 |
| Pretax return on assets | 1.2772% | 2,495 |
| Return on Equity (ROE) | 10.5281% | 1,838 |
| Retained earnings to average equity (ytd only) | 6.0886% | 2,074 |
| Net charge-offs to loans | -0.0143% | 4,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9675% | 2,660 |
| Assets per employee ($millions) | 3.7835% | 4,295 |
| Cash dividends to net income (ytd only)* | 42.1687% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 1,697 |
| Loan loss allowance to noncurrent loans | 2,602.0000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 4,873 |
| Noncurrent loans to loans | 0.0594% | 5,211 |
| Net loans and leases to total assets | 57.6634% | 4,149 |
| Net loans and leases to deposits | 69.6043% | 4,020 |
| Net loans and leases to core deposits | 77.8122% | 3,658 |
| Total domestic deposits to total assets | 82.8446% | 3,708 |
| Equity capital to assets | 12.4772% | 1,785 |
| Core capital (leverage) ratio | 12.0474% | 1,598 |
| Tier 1 risk-based capital ratio | 15.0663% | 3,050 |
| Total risk-based capital ratio | 16.2059% | 3,036 |
| Memoranda: | ||
| Average total assets | $143,277,000 | 3,653 |
| Average earning assets | $130,667,330 | 3,681 |
| Average equity | $17,344,000 | 3,534 |
| Average total loans | $83,676,670 | 3,756 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 2,682 |
| Cost of funding earning assets | 0.2704% | 4,494 |
| Net interest margin | 3.8713% | 2,028 |
| Noninterest income to average assets | 0.8642% | 1,398 |
| Noninterest expense to average assets | 3.1882% | 1,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1942% | 1,578 |
| Return on assets (ROA) | 1.2445% | 1,522 |
| Pretax return on assets | 1.2501% | 2,497 |
| Return on Equity (ROE) | 10.4420% | 1,800 |
| Retained earnings to average equity (ytd only) | 9.9493% | 853 |
| Net charge-offs to loans | -0.0144% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6577% | 2,705 |
| Assets per employee ($millions) | 3.6701% | 4,517 |
| Cash dividends to net income (ytd only)* | 4.7191% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 1,694 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 4,694 |
| Noncurrent loans to loans | 0.0534% | 5,274 |
| Net loans and leases to total assets | 56.6072% | 4,184 |
| Net loans and leases to deposits | 68.2236% | 4,034 |
| Net loans and leases to core deposits | 77.3970% | 3,560 |
| Total domestic deposits to total assets | 82.9731% | 3,907 |
| Equity capital to assets | 12.2041% | 1,890 |
| Core capital (leverage) ratio | 12.1542% | 1,522 |
| Tier 1 risk-based capital ratio | 15.0542% | 3,130 |
| Total risk-based capital ratio | 16.1973% | 3,120 |
| Memoranda: | ||
| Average total assets | $143,028,500 | 3,687 |
| Average earning assets | $130,189,500 | 3,709 |
| Average equity | $17,046,500 | 3,578 |
| Average total loans | $83,412,000 | 3,771 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 2,825 |
| Cost of funding earning assets | 0.2665% | 4,628 |
| Net interest margin | 3.8610% | 2,160 |
| Noninterest income to average assets | 0.8875% | 1,474 |
| Noninterest expense to average assets | 3.2145% | 1,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1749% | 1,654 |
| Return on assets (ROA) | 1.2858% | 1,346 |
| Pretax return on assets | 1.2872% | 2,330 |
| Return on Equity (ROE) | 10.9834% | 1,623 |
| Retained earnings to average equity (ytd only) | 4.0520% | 3,129 |
| Net charge-offs to loans | 0.0328% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 63.6154% | 839 |
| Efficiency ratio | 73.2102% | 2,711 |
| Assets per employee ($millions) | 3.5731% | 4,684 |
| Cash dividends to net income (ytd only)* | 63.1084% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 1,856 |
| Loan loss allowance to noncurrent loans | 752.9070% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 4,270 |
| Noncurrent loans to loans | 0.2035% | 4,688 |
| Net loans and leases to total assets | 58.2179% | 4,051 |
| Net loans and leases to deposits | 70.3680% | 3,882 |
| Net loans and leases to core deposits | 79.3061% | 3,416 |
| Total domestic deposits to total assets | 82.7336% | 3,931 |
| Equity capital to assets | 11.6320% | 2,246 |
| Core capital (leverage) ratio | 11.9179% | 1,668 |
| Tier 1 risk-based capital ratio | 14.2540% | 3,579 |
| Total risk-based capital ratio | 15.3611% | 3,571 |
| Memoranda: | ||
| Average total assets | $140,613,000 | 3,712 |
| Average earning assets | $127,582,600 | 3,748 |
| Average equity | $16,461,200 | 3,607 |
| Average total loans | $79,154,000 | 3,854 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 2,842 |
| Cost of funding earning assets | 0.2673% | 4,692 |
| Net interest margin | 3.8559% | 2,168 |
| Noninterest income to average assets | 0.8788% | 1,514 |
| Noninterest expense to average assets | 3.2363% | 1,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1425% | 1,857 |
| Return on assets (ROA) | 1.2730% | 1,469 |
| Pretax return on assets | 1.2749% | 2,495 |
| Return on Equity (ROE) | 10.8562% | 1,763 |
| Retained earnings to average equity (ytd only) | 6.2279% | 2,101 |
| Net charge-offs to loans | -0.0086% | 4,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8752% | 2,577 |
| Assets per employee ($millions) | 3.4770% | 4,835 |
| Cash dividends to net income (ytd only)* | 42.6328% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 1,794 |
| Loan loss allowance to noncurrent loans | 794.0120% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.4688% | 3,922 |
| Noncurrent loans to loans | 0.2016% | 4,840 |
| Net loans and leases to total assets | 58.6199% | 4,064 |
| Net loans and leases to deposits | 70.2712% | 3,953 |
| Net loans and leases to core deposits | 78.0606% | 3,604 |
| Total domestic deposits to total assets | 83.4195% | 3,645 |
| Equity capital to assets | 12.0442% | 2,067 |
| Core capital (leverage) ratio | 11.9106% | 1,734 |
| Tier 1 risk-based capital ratio | 14.7564% | 3,410 |
| Total risk-based capital ratio | 15.9230% | 3,393 |
| Memoranda: | ||
| Average total assets | $140,035,000 | 3,756 |
| Average earning assets | $127,178,250 | 3,793 |
| Average equity | $16,420,250 | 3,638 |
| Average total loans | $77,816,750 | 3,929 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 3,050 |
| Cost of funding earning assets | 0.2640% | 4,784 |
| Net interest margin | 3.7938% | 2,341 |
| Noninterest income to average assets | 0.8208% | 1,697 |
| Noninterest expense to average assets | 3.2090% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0488% | 2,146 |
| Return on assets (ROA) | 1.2312% | 1,582 |
| Pretax return on assets | 1.2340% | 2,631 |
| Return on Equity (ROE) | 10.5947% | 1,813 |
| Retained earnings to average equity (ytd only) | 5.9718% | 2,259 |
| Net charge-offs to loans | -0.0236% | 5,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3177% | 2,490 |
| Assets per employee ($millions) | 3.6706% | 4,486 |
| Cash dividends to net income (ytd only)* | 43.6343% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 1,719 |
| Loan loss allowance to noncurrent loans | 750.8475% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 4,341 |
| Noncurrent loans to loans | 0.2209% | 4,897 |
| Net loans and leases to total assets | 56.4954% | 4,281 |
| Net loans and leases to deposits | 67.1427% | 4,211 |
| Net loans and leases to core deposits | 74.8492% | 3,874 |
| Total domestic deposits to total assets | 84.1423% | 3,501 |
| Equity capital to assets | 11.4967% | 2,418 |
| Core capital (leverage) ratio | 11.6844% | 1,850 |
| Tier 1 risk-based capital ratio | 15.9257% | 2,890 |
| Total risk-based capital ratio | 17.1752% | 2,852 |
| Memoranda: | ||
| Average total assets | $140,353,670 | 3,775 |
| Average earning assets | $127,261,670 | 3,818 |
| Average equity | $16,310,000 | 3,672 |
| Average total loans | $76,137,670 | 3,996 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9699% | 3,339 |
| Cost of funding earning assets | 0.2640% | 4,862 |
| Net interest margin | 3.7059% | 2,600 |
| Noninterest income to average assets | 0.8182% | 1,639 |
| Noninterest expense to average assets | 3.2048% | 1,971 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9588% | 2,452 |
| Return on assets (ROA) | 1.0910% | 2,011 |
| Pretax return on assets | 1.0967% | 3,097 |
| Return on Equity (ROE) | 9.3391% | 2,294 |
| Retained earnings to average equity (ytd only) | 8.8770% | 1,242 |
| Net charge-offs to loans | -0.0216% | 5,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8916% | 2,358 |
| Assets per employee ($millions) | 3.7155% | 4,485 |
| Cash dividends to net income (ytd only)* | 4.9479% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7701% | 1,561 |
| Loan loss allowance to noncurrent loans | 708.5561% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.7405% | 3,270 |
| Noncurrent loans to loans | 0.2498% | 4,889 |
| Net loans and leases to total assets | 50.7422% | 4,773 |
| Net loans and leases to deposits | 60.2906% | 4,724 |
| Net loans and leases to core deposits | 66.7429% | 4,451 |
| Total domestic deposits to total assets | 84.1627% | 3,752 |
| Equity capital to assets | 11.4723% | 2,488 |
| Core capital (leverage) ratio | 11.5986% | 1,932 |
| Tier 1 risk-based capital ratio | 15.6026% | 3,102 |
| Total risk-based capital ratio | 16.8520% | 3,041 |
| Memoranda: | ||
| Average total assets | $140,788,500 | 3,801 |
| Average earning assets | $127,258,000 | 3,841 |
| Average equity | $16,447,000 | 3,669 |
| Average total loans | $74,141,000 | 4,076 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 3,649 |
| Cost of funding earning assets | 0.3080% | 4,709 |
| Net interest margin | 3.7120% | 2,964 |
| Noninterest income to average assets | 0.8790% | 1,574 |
| Noninterest expense to average assets | 3.0789% | 2,594 |
| Loan and lease loss provision to assets | -0.2870% | 6,360 |
| Net operating income to assets | 1.4408% | 1,000 |
| Return on assets (ROA) | 1.7206% | 573 |
| Pretax return on assets | 1.7221% | 934 |
| Return on Equity (ROE) | 15.3671% | 718 |
| Retained earnings to average equity (ytd only) | 7.6579% | 1,137 |
| Net charge-offs to loans | -0.0029% | 5,404 |
| Credit loss provision to net charge-offs | 20,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7165% | 3,085 |
| Assets per employee ($millions) | 3.5966% | 4,725 |
| Cash dividends to net income (ytd only)* | 50.1668% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7990% | 1,538 |
| Loan loss allowance to noncurrent loans | 2,001.5152% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 3,457 |
| Noncurrent loans to loans | 0.0899% | 5,529 |
| Net loans and leases to total assets | 52.7599% | 4,718 |
| Net loans and leases to deposits | 63.1269% | 4,621 |
| Net loans and leases to core deposits | 67.5909% | 4,547 |
| Total domestic deposits to total assets | 83.5775% | 3,890 |
| Equity capital to assets | 11.9044% | 2,083 |
| Core capital (leverage) ratio | 11.7402% | 1,802 |
| Tier 1 risk-based capital ratio | 17.5182% | 2,308 |
| Total risk-based capital ratio | 18.7704% | 2,276 |
| Memoranda: | ||
| Average total assets | $139,368,000 | 3,811 |
| Average earning assets | $125,969,400 | 3,842 |
| Average equity | $15,604,800 | 3,735 |
| Average total loans | $69,263,000 | 4,208 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9929% | 3,789 |
| Cost of funding earning assets | 0.3197% | 4,675 |
| Net interest margin | 3.6732% | 3,136 |
| Noninterest income to average assets | 0.8673% | 1,636 |
| Noninterest expense to average assets | 3.0571% | 2,606 |
| Loan and lease loss provision to assets | -0.3808% | 6,503 |
| Net operating income to assets | 1.5147% | 912 |
| Return on assets (ROA) | 1.7975% | 527 |
| Pretax return on assets | 1.7994% | 897 |
| Return on Equity (ROE) | 16.3051% | 642 |
| Retained earnings to average equity (ytd only) | 10.8298% | 545 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9110% | 3,018 |
| Assets per employee ($millions) | 3.6186% | 4,643 |
| Cash dividends to net income (ytd only)* | 33.5804% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8728% | 1,520 |
| Loan loss allowance to noncurrent loans | 1,910.1449% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 3,692 |
| Noncurrent loans to loans | 0.0980% | 5,649 |
| Net loans and leases to total assets | 50.2225% | 4,982 |
| Net loans and leases to deposits | 60.1591% | 4,922 |
| Net loans and leases to core deposits | 64.6923% | 4,831 |
| Total domestic deposits to total assets | 83.4829% | 3,956 |
| Equity capital to assets | 11.9573% | 2,094 |
| Core capital (leverage) ratio | 11.7377% | 1,877 |
| Tier 1 risk-based capital ratio | 18.1693% | 2,157 |
| Total risk-based capital ratio | 19.4180% | 2,117 |
| Memoranda: | ||
| Average total assets | $140,042,000 | 3,827 |
| Average earning assets | $126,788,500 | 3,860 |
| Average equity | $15,438,500 | 3,779 |
| Average total loans | $68,221,500 | 4,265 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 4,014 |
| Cost of funding earning assets | 0.3406% | 4,530 |
| Net interest margin | 3.5898% | 3,399 |
| Noninterest income to average assets | 0.7907% | 1,875 |
| Noninterest expense to average assets | 3.0180% | 2,766 |
| Loan and lease loss provision to assets | -0.5678% | 6,606 |
| Net operating income to assets | 1.5842% | 731 |
| Return on assets (ROA) | 1.8128% | 495 |
| Pretax return on assets | 1.8156% | 818 |
| Return on Equity (ROE) | 16.9094% | 562 |
| Retained earnings to average equity (ytd only) | 12.1690% | 408 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7539% | 2,847 |
| Assets per employee ($millions) | 3.6344% | 4,590 |
| Cash dividends to net income (ytd only)* | 28.0345% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8798% | 1,628 |
| Loan loss allowance to noncurrent loans | 526.8000% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 3,448 |
| Noncurrent loans to loans | 0.3568% | 4,926 |
| Net loans and leases to total assets | 49.7770% | 4,987 |
| Net loans and leases to deposits | 59.6367% | 4,893 |
| Net loans and leases to core deposits | 64.2717% | 4,796 |
| Total domestic deposits to total assets | 83.4670% | 4,125 |
| Equity capital to assets | 11.5853% | 2,342 |
| Core capital (leverage) ratio | 11.5338% | 1,971 |
| Tier 1 risk-based capital ratio | 18.0462% | 2,228 |
| Total risk-based capital ratio | 19.2992% | 2,195 |
| Memoranda: | ||
| Average total assets | $140,887,330 | 3,834 |
| Average earning assets | $127,416,330 | 3,865 |
| Average equity | $15,104,000 | 3,837 |
| Average total loans | $67,503,000 | 4,312 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8204% | 4,397 |
| Cost of funding earning assets | 0.3643% | 4,388 |
| Net interest margin | 3.4561% | 3,875 |
| Noninterest income to average assets | 0.7563% | 1,933 |
| Noninterest expense to average assets | 2.9745% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8971% | 2,671 |
| Return on assets (ROA) | 0.9278% | 2,586 |
| Pretax return on assets | 0.9334% | 3,581 |
| Return on Equity (ROE) | 9.0066% | 2,461 |
| Retained earnings to average equity (ytd only) | 8.4607% | 1,430 |
| Net charge-offs to loans | 0.0060% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 321.0000% | 151 |
| Efficiency ratio | 76.7223% | 2,686 |
| Assets per employee ($millions) | 3.6191% | 4,680 |
| Cash dividends to net income (ytd only)* | 6.0606% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6489% | 676 |
| Loan loss allowance to noncurrent loans | 2,068.6747% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 3,983 |
| Noncurrent loans to loans | 0.1280% | 5,723 |
| Net loans and leases to total assets | 44.7069% | 5,449 |
| Net loans and leases to deposits | 53.0420% | 5,376 |
| Net loans and leases to core deposits | 55.4918% | 5,391 |
| Total domestic deposits to total assets | 84.2858% | 4,171 |
| Equity capital to assets | 10.6762% | 3,068 |
| Core capital (leverage) ratio | 10.6789% | 2,726 |
| Tier 1 risk-based capital ratio | 17.8686% | 2,349 |
| Total risk-based capital ratio | 19.1273% | 2,321 |
| Memoranda: | ||
| Average total assets | $142,278,000 | 3,844 |
| Average earning assets | $128,469,000 | 3,878 |
| Average equity | $14,656,000 | 3,921 |
| Average total loans | $66,223,500 | 4,380 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 3,197 |
| Cost of funding earning assets | 0.4502% | 4,113 |
| Net interest margin | 3.7884% | 2,691 |
| Noninterest income to average assets | 0.6200% | 2,978 |
| Noninterest expense to average assets | 3.0530% | 2,888 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9746% | 2,443 |
| Return on assets (ROA) | 1.2363% | 1,491 |
| Pretax return on assets | 1.2378% | 2,426 |
| Return on Equity (ROE) | 11.3569% | 1,652 |
| Retained earnings to average equity (ytd only) | 2.8078% | 4,247 |
| Net charge-offs to loans | -0.0925% | 6,462 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7738% | 2,811 |
| Assets per employee ($millions) | 3.6772% | 4,534 |
| Cash dividends to net income (ytd only)* | 75.2770% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5404% | 788 |
| Loan loss allowance to noncurrent loans | 308.4381% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 1.0334% | 3,363 |
| Noncurrent loans to loans | 0.8236% | 3,917 |
| Net loans and leases to total assets | 45.9591% | 5,490 |
| Net loans and leases to deposits | 55.2997% | 5,369 |
| Net loans and leases to core deposits | 58.0992% | 5,386 |
| Total domestic deposits to total assets | 83.1093% | 4,511 |
| Equity capital to assets | 9.9317% | 3,857 |
| Core capital (leverage) ratio | 10.8921% | 2,485 |
| Tier 1 risk-based capital ratio | 17.4299% | 2,441 |
| Total risk-based capital ratio | 18.6762% | 2,419 |
| Memoranda: | ||
| Average total assets | $138,717,600 | 3,907 |
| Average earning assets | $124,827,600 | 3,956 |
| Average equity | $15,101,000 | 3,846 |
| Average total loans | $70,238,000 | 4,260 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2951% | 3,014 |
| Cost of funding earning assets | 0.4760% | 4,008 |
| Net interest margin | 3.8190% | 2,576 |
| Noninterest income to average assets | 0.5855% | 3,244 |
| Noninterest expense to average assets | 3.0137% | 2,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0072% | 2,350 |
| Return on assets (ROA) | 1.3212% | 1,347 |
| Pretax return on assets | 1.3232% | 2,241 |
| Return on Equity (ROE) | 11.8657% | 1,516 |
| Retained earnings to average equity (ytd only) | 6.7381% | 2,008 |
| Net charge-offs to loans | -0.1053% | 6,509 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9157% | 2,922 |
| Assets per employee ($millions) | 3.4225% | 5,013 |
| Cash dividends to net income (ytd only)* | 43.2132% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4757% | 961 |
| Loan loss allowance to noncurrent loans | 331.8447% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 1.0961% | 3,464 |
| Noncurrent loans to loans | 0.7461% | 4,354 |
| Net loans and leases to total assets | 50.4368% | 5,089 |
| Net loans and leases to deposits | 62.1467% | 4,747 |
| Net loans and leases to core deposits | 65.3076% | 4,772 |
| Total domestic deposits to total assets | 81.1577% | 5,177 |
| Equity capital to assets | 11.2058% | 2,560 |
| Core capital (leverage) ratio | 11.5756% | 1,981 |
| Tier 1 risk-based capital ratio | 17.9727% | 2,337 |
| Total risk-based capital ratio | 19.2270% | 2,297 |
| Memoranda: | ||
| Average total assets | $137,544,500 | 3,959 |
| Average earning assets | $123,797,750 | 4,004 |
| Average equity | $15,315,500 | 3,857 |
| Average total loans | $70,890,500 | 4,266 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5595% | 1,993 |
| Cost of funding earning assets | 0.5034% | 3,865 |
| Net interest margin | 4.0561% | 1,672 |
| Noninterest income to average assets | 0.5385% | 3,576 |
| Noninterest expense to average assets | 3.2138% | 2,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9647% | 2,489 |
| Return on assets (ROA) | 1.3981% | 1,167 |
| Pretax return on assets | 1.4010% | 1,927 |
| Return on Equity (ROE) | 12.5818% | 1,341 |
| Retained earnings to average equity (ytd only) | 8.0466% | 1,467 |
| Net charge-offs to loans | -0.1566% | 6,603 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8595% | 2,658 |
| Assets per employee ($millions) | 3.3846% | 5,102 |
| Cash dividends to net income (ytd only)* | 36.0453% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3896% | 1,105 |
| Loan loss allowance to noncurrent loans | 382.9596% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 1.0720% | 3,593 |
| Noncurrent loans to loans | 0.6240% | 4,692 |
| Net loans and leases to total assets | 52.8561% | 4,759 |
| Net loans and leases to deposits | 65.8820% | 4,279 |
| Net loans and leases to core deposits | 68.7949% | 4,419 |
| Total domestic deposits to total assets | 80.2285% | 5,555 |
| Equity capital to assets | 11.1782% | 2,575 |
| Core capital (leverage) ratio | 11.0953% | 2,271 |
| Tier 1 risk-based capital ratio | 17.8893% | 2,356 |
| Total risk-based capital ratio | 19.1434% | 2,321 |
| Memoranda: | ||
| Average total assets | $138,900,670 | 3,972 |
| Average earning assets | $124,750,670 | 4,020 |
| Average equity | $15,435,000 | 3,867 |
| Average total loans | $71,510,670 | 4,254 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 2,876 |
| Cost of funding earning assets | 0.5235% | 3,853 |
| Net interest margin | 3.7802% | 2,524 |
| Noninterest income to average assets | 0.5985% | 3,147 |
| Noninterest expense to average assets | 3.3382% | 1,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6475% | 3,975 |
| Return on assets (ROA) | 1.0453% | 2,163 |
| Pretax return on assets | 1.0509% | 3,140 |
| Return on Equity (ROE) | 9.4326% | 2,301 |
| Retained earnings to average equity (ytd only) | 8.9002% | 1,411 |
| Net charge-offs to loans | -0.0168% | 5,640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7209% | 1,806 |
| Assets per employee ($millions) | 3.6257% | 4,723 |
| Cash dividends to net income (ytd only)* | 5.6452% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3544% | 1,327 |
| Loan loss allowance to noncurrent loans | 115.7343% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 2.0212% | 2,313 |
| Noncurrent loans to loans | 2.0343% | 2,584 |
| Net loans and leases to total assets | 48.5421% | 5,169 |
| Net loans and leases to deposits | 61.1830% | 4,660 |
| Net loans and leases to core deposits | 63.8185% | 4,761 |
| Total domestic deposits to total assets | 79.3392% | 5,901 |
| Equity capital to assets | 11.1971% | 2,742 |
| Core capital (leverage) ratio | 10.6256% | 2,630 |
| Tier 1 risk-based capital ratio | 17.5322% | 2,547 |
| Total risk-based capital ratio | 18.7886% | 2,511 |
| Memoranda: | ||
| Average total assets | $142,352,000 | 3,944 |
| Average earning assets | $127,611,000 | 3,987 |
| Average equity | $15,775,000 | 3,851 |
| Average total loans | $71,527,500 | 4,293 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2418% | 1,036 |
| Cost of funding earning assets | 0.6625% | 3,806 |
| Net interest margin | 4.5793% | 813 |
| Noninterest income to average assets | 0.4954% | 3,932 |
| Noninterest expense to average assets | 3.2587% | 2,455 |
| Loan and lease loss provision to assets | 0.0759% | 4,774 |
| Net operating income to assets | 1.2291% | 1,506 |
| Return on assets (ROA) | 1.3437% | 1,331 |
| Pretax return on assets | 1.3452% | 2,228 |
| Return on Equity (ROE) | 11.5003% | 1,656 |
| Retained earnings to average equity (ytd only) | 3.7339% | 3,588 |
| Net charge-offs to loans | -0.1631% | 6,910 |
| Credit loss provision to net charge-offs | -81.9672% | 6,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3811% | 3,541 |
| Assets per employee ($millions) | 3.6744% | 4,617 |
| Cash dividends to net income (ytd only)* | 67.5325% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2719% | 1,412 |
| Loan loss allowance to noncurrent loans | 150.4095% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 1.9714% | 2,483 |
| Noncurrent loans to loans | 1.5104% | 3,338 |
| Net loans and leases to total assets | 49.6207% | 5,221 |
| Net loans and leases to deposits | 62.3177% | 4,750 |
| Net loans and leases to core deposits | 64.8615% | 4,853 |
| Total domestic deposits to total assets | 79.6254% | 5,756 |
| Equity capital to assets | 10.9678% | 2,990 |
| Core capital (leverage) ratio | 10.7546% | 2,485 |
| Tier 1 risk-based capital ratio | 16.6030% | 2,839 |
| Total risk-based capital ratio | 17.8530% | 2,812 |
| Memoranda: | ||
| Average total assets | $131,801,200 | 4,109 |
| Average earning assets | $117,136,400 | 4,181 |
| Average equity | $15,399,600 | 3,878 |
| Average total loans | $74,779,200 | 4,186 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3412% | 938 |
| Cost of funding earning assets | 0.6919% | 3,838 |
| Net interest margin | 4.6493% | 745 |
| Noninterest income to average assets | 0.4985% | 3,938 |
| Noninterest expense to average assets | 3.2845% | 2,313 |
| Loan and lease loss provision to assets | 0.1034% | 4,284 |
| Net operating income to assets | 1.2431% | 1,595 |
| Return on assets (ROA) | 1.3992% | 1,345 |
| Pretax return on assets | 1.4013% | 2,232 |
| Return on Equity (ROE) | 11.7749% | 1,711 |
| Retained earnings to average equity (ytd only) | 4.1512% | 3,981 |
| Net charge-offs to loans | -0.3524% | 7,068 |
| Credit loss provision to net charge-offs | -50.2513% | 6,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8929% | 3,518 |
| Assets per employee ($millions) | 3.2982% | 5,446 |
| Cash dividends to net income (ytd only)* | 64.7451% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2748% | 1,573 |
| Loan loss allowance to noncurrent loans | 1,729.0000% | 282 |
| Noncurrent assets plus other real estate owned to assets | 1.3970% | 3,512 |
| Noncurrent loans to loans | 0.1316% | 6,271 |
| Net loans and leases to total assets | 56.3016% | 4,399 |
| Net loans and leases to deposits | 72.5822% | 3,516 |
| Net loans and leases to core deposits | 76.6485% | 3,658 |
| Total domestic deposits to total assets | 77.5694% | 6,149 |
| Equity capital to assets | 11.9202% | 2,333 |
| Core capital (leverage) ratio | 11.0587% | 2,327 |
| Tier 1 risk-based capital ratio | 16.2016% | 3,167 |
| Total risk-based capital ratio | 17.4602% | 3,132 |
| Memoranda: | ||
| Average total assets | $128,926,250 | 4,211 |
| Average earning assets | $114,653,500 | 4,271 |
| Average equity | $15,320,250 | 3,929 |
| Average total loans | $75,284,000 | 4,225 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3554% | 949 |
| Cost of funding earning assets | 0.7139% | 3,907 |
| Net interest margin | 4.6415% | 761 |
| Noninterest income to average assets | 0.4503% | 4,283 |
| Noninterest expense to average assets | 3.3754% | 2,092 |
| Loan and lease loss provision to assets | 0.1563% | 3,565 |
| Net operating income to assets | 1.0318% | 2,332 |
| Return on assets (ROA) | 1.2304% | 1,800 |
| Pretax return on assets | 1.2335% | 2,789 |
| Return on Equity (ROE) | 10.3655% | 2,220 |
| Retained earnings to average equity (ytd only) | 2.4761% | 4,950 |
| Net charge-offs to loans | -0.5517% | 7,141 |
| Credit loss provision to net charge-offs | -48.3092% | 5,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9130% | 3,088 |
| Assets per employee ($millions) | 3.2448% | 5,566 |
| Cash dividends to net income (ytd only)* | 76.1118% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2608% | 1,656 |
| Loan loss allowance to noncurrent loans | 1,848.9362% | 262 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 3,611 |
| Noncurrent loans to loans | 0.1223% | 6,360 |
| Net loans and leases to total assets | 59.3760% | 3,931 |
| Net loans and leases to deposits | 78.3765% | 2,619 |
| Net loans and leases to core deposits | 83.6679% | 2,737 |
| Total domestic deposits to total assets | 75.7574% | 6,495 |
| Equity capital to assets | 12.1015% | 2,072 |
| Core capital (leverage) ratio | 11.0914% | 2,215 |
| Tier 1 risk-based capital ratio | 15.9760% | 3,180 |
| Total risk-based capital ratio | 17.2234% | 3,148 |
| Memoranda: | ||
| Average total assets | $127,926,000 | 4,256 |
| Average earning assets | $113,455,330 | 4,320 |
| Average equity | $15,185,000 | 3,952 |
| Average total loans | $75,043,330 | 4,248 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 1,225 |
| Cost of funding earning assets | 0.7269% | 4,053 |
| Net interest margin | 4.5156% | 981 |
| Noninterest income to average assets | 0.6251% | 3,079 |
| Noninterest expense to average assets | 3.3682% | 2,093 |
| Loan and lease loss provision to assets | 0.2333% | 2,614 |
| Net operating income to assets | 1.0170% | 2,412 |
| Return on assets (ROA) | 1.0170% | 2,604 |
| Pretax return on assets | 1.0232% | 3,597 |
| Return on Equity (ROE) | 8.6505% | 2,972 |
| Retained earnings to average equity (ytd only) | 0.0794% | 5,952 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8312% | 3,286 |
| Assets per employee ($millions) | 3.2212% | 5,722 |
| Cash dividends to net income (ytd only)* | 99.0826% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0554% | 2,204 |
| Loan loss allowance to noncurrent loans | 817.9348% | 461 |
| Noncurrent assets plus other real estate owned to assets | 1.9876% | 2,915 |
| Noncurrent loans to loans | 0.2513% | 6,182 |
| Net loans and leases to total assets | 55.6590% | 4,443 |
| Net loans and leases to deposits | 72.6633% | 3,331 |
| Net loans and leases to core deposits | 78.1609% | 3,303 |
| Total domestic deposits to total assets | 76.5986% | 6,471 |
| Equity capital to assets | 11.7310% | 2,237 |
| Core capital (leverage) ratio | 10.8820% | 2,354 |
| Tier 1 risk-based capital ratio | 16.1245% | 3,105 |
| Total risk-based capital ratio | 17.3804% | 3,074 |
| Memoranda: | ||
| Average total assets | $128,616,000 | 4,266 |
| Average earning assets | $113,916,000 | 4,336 |
| Average equity | $15,120,500 | 3,966 |
| Average total loans | $74,127,000 | 4,311 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7366% | 724 |
| Cost of funding earning assets | 0.8890% | 4,193 |
| Net interest margin | 4.8476% | 575 |
| Noninterest income to average assets | 0.5684% | 3,373 |
| Noninterest expense to average assets | 3.3909% | 2,265 |
| Loan and lease loss provision to assets | 0.4914% | 2,150 |
| Net operating income to assets | 0.9542% | 2,391 |
| Return on assets (ROA) | 1.0230% | 2,260 |
| Pretax return on assets | 1.0246% | 3,143 |
| Return on Equity (ROE) | 8.9132% | 2,487 |
| Retained earnings to average equity (ytd only) | 6.5154% | 1,729 |
| Net charge-offs to loans | 0.2313% | 4,335 |
| Credit loss provision to net charge-offs | 335.1955% | 695 |
| Earnings coverage of net charge-offs (x) | 9.8715% | 1,915 |
| Efficiency ratio | 69.5615% | 4,049 |
| Assets per employee ($millions) | 3.2919% | 5,525 |
| Cash dividends to net income (ytd only)* | 26.9015% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9058% | 2,549 |
| Loan loss allowance to noncurrent loans | 224.8428% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 2.3095% | 2,612 |
| Noncurrent loans to loans | 0.8476% | 4,991 |
| Net loans and leases to total assets | 57.3307% | 4,489 |
| Net loans and leases to deposits | 74.9234% | 3,355 |
| Net loans and leases to core deposits | 81.4501% | 3,255 |
| Total domestic deposits to total assets | 76.5191% | 6,406 |
| Equity capital to assets | 11.7818% | 2,281 |
| Core capital (leverage) ratio | 11.0380% | 2,246 |
| Tier 1 risk-based capital ratio | 15.7676% | 3,175 |
| Total risk-based capital ratio | 17.0212% | 3,135 |
| Memoranda: | ||
| Average total assets | $122,091,400 | 4,346 |
| Average earning assets | $107,538,400 | 4,460 |
| Average equity | $14,013,000 | 4,105 |
| Average total loans | $77,384,000 | 4,232 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8154% | 682 |
| Cost of funding earning assets | 0.9221% | 4,259 |
| Net interest margin | 4.8932% | 516 |
| Noninterest income to average assets | 0.5753% | 3,332 |
| Noninterest expense to average assets | 3.3621% | 2,304 |
| Loan and lease loss provision to assets | 0.4978% | 1,994 |
| Net operating income to assets | 1.0222% | 2,241 |
| Return on assets (ROA) | 1.1152% | 2,054 |
| Pretax return on assets | 1.1174% | 2,932 |
| Return on Equity (ROE) | 9.7852% | 2,281 |
| Retained earnings to average equity (ytd only) | 6.7370% | 2,117 |
| Net charge-offs to loans | 0.1283% | 4,764 |
| Credit loss provision to net charge-offs | 600.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 18.3462% | 1,306 |
| Efficiency ratio | 68.1314% | 4,292 |
| Assets per employee ($millions) | 3.1101% | 5,877 |
| Cash dividends to net income (ytd only)* | 31.1510% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 3,066 |
| Loan loss allowance to noncurrent loans | 749.1892% | 457 |
| Noncurrent assets plus other real estate owned to assets | 2.1197% | 3,009 |
| Noncurrent loans to loans | 0.2351% | 6,405 |
| Net loans and leases to total assets | 62.1398% | 3,689 |
| Net loans and leases to deposits | 81.6470% | 2,425 |
| Net loans and leases to core deposits | 90.1853% | 2,228 |
| Total domestic deposits to total assets | 76.1079% | 6,524 |
| Equity capital to assets | 11.7640% | 2,443 |
| Core capital (leverage) ratio | 11.3009% | 2,163 |
| Tier 1 risk-based capital ratio | 15.1488% | 3,581 |
| Total risk-based capital ratio | 16.4127% | 3,539 |
| Memoranda: | ||
| Average total assets | $120,518,000 | 4,409 |
| Average earning assets | $106,130,000 | 4,524 |
| Average equity | $13,734,750 | 4,178 |
| Average total loans | $77,971,500 | 4,247 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8640% | 631 |
| Cost of funding earning assets | 0.9564% | 4,273 |
| Net interest margin | 4.9076% | 485 |
| Noninterest income to average assets | 0.5855% | 3,226 |
| Noninterest expense to average assets | 3.3886% | 2,293 |
| Loan and lease loss provision to assets | 0.5033% | 1,945 |
| Net operating income to assets | 1.0199% | 2,141 |
| Return on assets (ROA) | 1.0820% | 2,024 |
| Pretax return on assets | 1.0854% | 2,914 |
| Return on Equity (ROE) | 9.6020% | 2,266 |
| Retained earnings to average equity (ytd only) | 7.4732% | 1,669 |
| Net charge-offs to loans | 0.1930% | 3,999 |
| Credit loss provision to net charge-offs | 400.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 12.1333% | 1,650 |
| Efficiency ratio | 68.2253% | 4,476 |
| Assets per employee ($millions) | 2.9286% | 6,240 |
| Cash dividends to net income (ytd only)* | 22.1705% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 3,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8908% | 3,377 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 64.7599% | 3,307 |
| Net loans and leases to deposits | 87.2580% | 1,617 |
| Net loans and leases to core deposits | 95.7093% | 1,714 |
| Total domestic deposits to total assets | 74.2166% | 6,811 |
| Equity capital to assets | 11.9390% | 2,133 |
| Core capital (leverage) ratio | 11.4814% | 1,922 |
| Tier 1 risk-based capital ratio | 15.1793% | 3,406 |
| Total risk-based capital ratio | 16.4309% | 3,366 |
| Memoranda: | ||
| Average total assets | $119,222,330 | 4,482 |
| Average earning assets | $105,184,330 | 4,583 |
| Average equity | $13,434,670 | 4,245 |
| Average total loans | $77,731,670 | 4,292 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7400% | 815 |
| Cost of funding earning assets | 1.0118% | 4,115 |
| Net interest margin | 4.7282% | 661 |
| Noninterest income to average assets | 0.5754% | 3,335 |
| Noninterest expense to average assets | 3.4126% | 2,243 |
| Loan and lease loss provision to assets | 0.4989% | 1,747 |
| Net operating income to assets | 0.8388% | 2,834 |
| Return on assets (ROA) | 0.9047% | 2,601 |
| Pretax return on assets | 0.9114% | 3,457 |
| Return on Equity (ROE) | 8.2681% | 2,789 |
| Retained earnings to average equity (ytd only) | 7.6298% | 1,874 |
| Net charge-offs to loans | 0.4203% | 2,429 |
| Credit loss provision to net charge-offs | 182.9268% | 1,599 |
| Earnings coverage of net charge-offs (x) | 4.9268% | 2,368 |
| Efficiency ratio | 71.0490% | 4,048 |
| Assets per employee ($millions) | 2.9878% | 6,166 |
| Cash dividends to net income (ytd only)* | 7.7206% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 4,689 |
| Loan loss allowance to noncurrent loans | 78.0594% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 3.0884% | 2,231 |
| Noncurrent loans to loans | 1.7867% | 3,840 |
| Net loans and leases to total assets | 63.7721% | 3,479 |
| Net loans and leases to deposits | 84.5098% | 1,947 |
| Net loans and leases to core deposits | 93.6763% | 1,933 |
| Total domestic deposits to total assets | 75.4612% | 6,743 |
| Equity capital to assets | 11.1193% | 2,570 |
| Core capital (leverage) ratio | 10.9676% | 2,221 |
| Tier 1 risk-based capital ratio | 14.4531% | 3,771 |
| Total risk-based capital ratio | 15.6399% | 3,774 |
| Memoranda: | ||
| Average total assets | $120,261,000 | 4,474 |
| Average earning assets | $106,341,000 | 4,586 |
| Average equity | $13,159,000 | 4,302 |
| Average total loans | $78,048,500 | 4,326 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1413% | 643 |
| Cost of funding earning assets | 1.3214% | 3,745 |
| Net interest margin | 4.8199% | 650 |
| Noninterest income to average assets | 0.6065% | 3,433 |
| Noninterest expense to average assets | 3.4982% | 2,186 |
| Loan and lease loss provision to assets | 0.8423% | 1,946 |
| Net operating income to assets | 0.4577% | 4,278 |
| Return on assets (ROA) | 0.6328% | 3,676 |
| Pretax return on assets | 0.6344% | 4,214 |
| Return on Equity (ROE) | 5.8707% | 3,666 |
| Retained earnings to average equity (ytd only) | 3.5224% | 3,390 |
| Net charge-offs to loans | 1.1517% | 1,938 |
| Credit loss provision to net charge-offs | 109.9785% | 4,008 |
| Earnings coverage of net charge-offs (x) | 1.6996% | 4,452 |
| Efficiency ratio | 72.1794% | 3,757 |
| Assets per employee ($millions) | 3.1844% | 5,706 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 5,097 |
| Loan loss allowance to noncurrent loans | 16,833.3333% | 35 |
| Noncurrent assets plus other real estate owned to assets | 2.0015% | 3,345 |
| Noncurrent loans to loans | 0.0076% | 7,146 |
| Net loans and leases to total assets | 64.2870% | 3,806 |
| Net loans and leases to deposits | 84.5108% | 2,373 |
| Net loans and leases to core deposits | 93.9177% | 2,266 |
| Total domestic deposits to total assets | 76.0695% | 6,628 |
| Equity capital to assets | 10.7670% | 2,889 |
| Core capital (leverage) ratio | 11.1598% | 2,038 |
| Tier 1 risk-based capital ratio | 13.9611% | 3,895 |
| Total risk-based capital ratio | 15.0570% | 3,970 |
| Memoranda: | ||
| Average total assets | $121,690,400 | 4,450 |
| Average earning assets | $105,873,200 | 4,567 |
| Average equity | $13,116,000 | 4,345 |
| Average total loans | $80,926,400 | 4,311 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1404% | 699 |
| Cost of funding earning assets | 1.3975% | 3,600 |
| Net interest margin | 4.7429% | 758 |
| Noninterest income to average assets | 0.6368% | 3,211 |
| Noninterest expense to average assets | 3.5045% | 2,023 |
| Loan and lease loss provision to assets | 0.9574% | 1,556 |
| Net operating income to assets | 0.2834% | 5,231 |
| Return on assets (ROA) | 0.4978% | 4,522 |
| Pretax return on assets | 0.5000% | 4,926 |
| Return on Equity (ROE) | 4.6176% | 4,490 |
| Retained earnings to average equity (ytd only) | 3.9478% | 3,698 |
| Net charge-offs to loans | 1.4077% | 1,446 |
| Credit loss provision to net charge-offs | 101.7442% | 4,236 |
| Earnings coverage of net charge-offs (x) | 1.3209% | 4,755 |
| Efficiency ratio | 73.1044% | 3,503 |
| Assets per employee ($millions) | 3.1826% | 5,718 |
| Cash dividends to net income (ytd only)* | 14.5059% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 5,743 |
| Loan loss allowance to noncurrent loans | 119.6406% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 2.0134% | 3,451 |
| Noncurrent loans to loans | 0.9547% | 5,322 |
| Net loans and leases to total assets | 66.6956% | 3,527 |
| Net loans and leases to deposits | 91.4679% | 1,518 |
| Net loans and leases to core deposits | 100.7016% | 1,781 |
| Total domestic deposits to total assets | 72.9169% | 7,040 |
| Equity capital to assets | 11.1469% | 2,818 |
| Core capital (leverage) ratio | 10.5539% | 2,634 |
| Tier 1 risk-based capital ratio | 13.4429% | 4,237 |
| Total risk-based capital ratio | 14.4248% | 4,422 |
| Memoranda: | ||
| Average total assets | $121,860,750 | 4,509 |
| Average earning assets | $105,615,250 | 4,621 |
| Average equity | $13,137,750 | 4,408 |
| Average total loans | $81,457,250 | 4,370 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9491% | 1,055 |
| Cost of funding earning assets | 1.4637% | 3,469 |
| Net interest margin | 4.4854% | 1,233 |
| Noninterest income to average assets | 0.6548% | 2,982 |
| Noninterest expense to average assets | 3.5328% | 1,949 |
| Loan and lease loss provision to assets | 0.8022% | 1,798 |
| Net operating income to assets | 0.2116% | 5,521 |
| Return on assets (ROA) | 0.4109% | 4,865 |
| Pretax return on assets | 0.4142% | 5,181 |
| Return on Equity (ROE) | 3.8546% | 4,843 |
| Retained earnings to average equity (ytd only) | 3.2096% | 4,065 |
| Net charge-offs to loans | 1.4396% | 1,328 |
| Credit loss provision to net charge-offs | 83.6177% | 4,605 |
| Earnings coverage of net charge-offs (x) | 1.0580% | 4,733 |
| Efficiency ratio | 76.9258% | 2,903 |
| Assets per employee ($millions) | 3.1101% | 5,896 |
| Cash dividends to net income (ytd only)* | 16.7331% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 6,387 |
| Loan loss allowance to noncurrent loans | 43.6238% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 2.6655% | 2,706 |
| Noncurrent loans to loans | 2.2986% | 3,375 |
| Net loans and leases to total assets | 66.8272% | 3,658 |
| Net loans and leases to deposits | 91.3812% | 1,638 |
| Net loans and leases to core deposits | 99.0541% | 2,118 |
| Total domestic deposits to total assets | 73.1301% | 7,081 |
| Equity capital to assets | 10.8845% | 2,984 |
| Core capital (leverage) ratio | 10.4419% | 2,676 |
| Tier 1 risk-based capital ratio | 13.1222% | 4,343 |
| Total risk-based capital ratio | 13.9777% | 4,634 |
| Memoranda: | ||
| Average total assets | $122,168,000 | 4,524 |
| Average earning assets | $106,032,670 | 4,644 |
| Average equity | $13,023,330 | 4,436 |
| Average total loans | $81,412,000 | 4,404 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7691% | 1,560 |
| Cost of funding earning assets | 1.5261% | 3,397 |
| Net interest margin | 4.2430% | 1,880 |
| Noninterest income to average assets | 0.6655% | 2,846 |
| Noninterest expense to average assets | 3.3930% | 2,255 |
| Loan and lease loss provision to assets | 0.4241% | 2,837 |
| Net operating income to assets | 0.5155% | 4,316 |
| Return on assets (ROA) | 0.5187% | 4,438 |
| Pretax return on assets | 0.5253% | 4,873 |
| Return on Equity (ROE) | 4.9173% | 4,406 |
| Retained earnings to average equity (ytd only) | 4.2678% | 3,587 |
| Net charge-offs to loans | 0.8229% | 1,885 |
| Credit loss provision to net charge-offs | 77.8443% | 3,932 |
| Earnings coverage of net charge-offs (x) | 1.7365% | 3,689 |
| Efficiency ratio | 77.4436% | 2,986 |
| Assets per employee ($millions) | 3.1863% | 5,797 |
| Cash dividends to net income (ytd only)* | 13.2075% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 5,993 |
| Loan loss allowance to noncurrent loans | 44.0661% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 2.8486% | 2,538 |
| Noncurrent loans to loans | 2.5039% | 3,171 |
| Net loans and leases to total assets | 65.1431% | 4,073 |
| Net loans and leases to deposits | 88.4386% | 2,149 |
| Net loans and leases to core deposits | 99.5080% | 2,181 |
| Total domestic deposits to total assets | 73.6591% | 7,091 |
| Equity capital to assets | 10.7947% | 2,959 |
| Core capital (leverage) ratio | 10.3963% | 2,719 |
| Tier 1 risk-based capital ratio | 12.9517% | 4,372 |
| Total risk-based capital ratio | 13.8626% | 4,596 |
| Memoranda: | ||
| Average total assets | $122,606,000 | 4,567 |
| Average earning assets | $106,151,500 | 4,699 |
| Average equity | $12,934,000 | 4,489 |
| Average total loans | $81,179,500 | 4,469 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5061% | 664 |
| Cost of funding earning assets | 1.8711% | 3,618 |
| Net interest margin | 4.6350% | 924 |
| Noninterest income to average assets | 0.7332% | 2,770 |
| Noninterest expense to average assets | 3.6678% | 1,984 |
| Loan and lease loss provision to assets | 0.3121% | 4,951 |
| Net operating income to assets | 0.8214% | 2,444 |
| Return on assets (ROA) | 0.8381% | 2,475 |
| Pretax return on assets | 0.8397% | 3,114 |
| Return on Equity (ROE) | 8.0030% | 2,367 |
| Retained earnings to average equity (ytd only) | 3.8942% | 2,486 |
| Net charge-offs to loans | 0.3431% | 4,513 |
| Credit loss provision to net charge-offs | 125.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | 4.5467% | 2,910 |
| Efficiency ratio | 75.6541% | 3,584 |
| Assets per employee ($millions) | 3.0277% | 6,151 |
| Cash dividends to net income (ytd only)* | 51.3406% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 5,848 |
| Loan loss allowance to noncurrent loans | 73.7138% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.9696% | 3,437 |
| Noncurrent loans to loans | 1.5060% | 4,403 |
| Net loans and leases to total assets | 65.8063% | 4,205 |
| Net loans and leases to deposits | 88.8280% | 2,415 |
| Net loans and leases to core deposits | 113.9716% | 2,499 |
| Total domestic deposits to total assets | 74.0828% | 7,001 |
| Equity capital to assets | 10.3098% | 3,393 |
| Core capital (leverage) ratio | 10.1240% | 2,977 |
| Tier 1 risk-based capital ratio | 12.3798% | 4,614 |
| Total risk-based capital ratio | 13.2980% | 4,865 |
| Memoranda: | ||
| Average total assets | $120,155,400 | 4,559 |
| Average earning assets | $105,501,000 | 4,691 |
| Average equity | $12,582,800 | 4,616 |
| Average total loans | $87,433,600 | 4,290 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5981% | 617 |
| Cost of funding earning assets | 1.9167% | 3,790 |
| Net interest margin | 4.6814% | 867 |
| Noninterest income to average assets | 0.7430% | 2,746 |
| Noninterest expense to average assets | 3.6846% | 1,858 |
| Loan and lease loss provision to assets | 0.2853% | 4,693 |
| Net operating income to assets | 0.9030% | 2,414 |
| Return on assets (ROA) | 0.9253% | 2,394 |
| Pretax return on assets | 0.9276% | 3,137 |
| Return on Equity (ROE) | 8.8007% | 2,341 |
| Retained earnings to average equity (ytd only) | 5.6507% | 2,126 |
| Net charge-offs to loans | 0.3189% | 4,044 |
| Credit loss provision to net charge-offs | 120.2830% | 4,217 |
| Earnings coverage of net charge-offs (x) | 5.0189% | 2,948 |
| Efficiency ratio | 74.8680% | 3,714 |
| Assets per employee ($millions) | 2.8600% | 6,506 |
| Cash dividends to net income (ytd only)* | 35.7923% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 6,120 |
| Loan loss allowance to noncurrent loans | 76.7563% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.9439% | 3,426 |
| Noncurrent loans to loans | 1.3391% | 4,697 |
| Net loans and leases to total assets | 70.9435% | 3,282 |
| Net loans and leases to deposits | 97.0415% | 1,434 |
| Net loans and leases to core deposits | 125.0264% | 1,810 |
| Total domestic deposits to total assets | 73.1063% | 7,074 |
| Equity capital to assets | 10.8441% | 3,175 |
| Core capital (leverage) ratio | 10.4089% | 2,870 |
| Tier 1 risk-based capital ratio | 12.3361% | 4,674 |
| Total risk-based capital ratio | 13.2170% | 4,941 |
| Memoranda: | ||
| Average total assets | $119,160,750 | 4,621 |
| Average earning assets | $105,179,500 | 4,732 |
| Average equity | $12,529,000 | 4,655 |
| Average total loans | $88,640,750 | 4,291 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6624% | 583 |
| Cost of funding earning assets | 1.9388% | 4,071 |
| Net interest margin | 4.7236% | 770 |
| Noninterest income to average assets | 0.7405% | 2,754 |
| Noninterest expense to average assets | 3.7378% | 1,763 |
| Loan and lease loss provision to assets | 0.2777% | 4,358 |
| Net operating income to assets | 0.9121% | 2,408 |
| Return on assets (ROA) | 0.9458% | 2,389 |
| Pretax return on assets | 0.9492% | 3,178 |
| Return on Equity (ROE) | 9.0914% | 2,330 |
| Retained earnings to average equity (ytd only) | 6.3252% | 1,871 |
| Net charge-offs to loans | 0.0201% | 6,235 |
| Credit loss provision to net charge-offs | 1,833.3333% | 289 |
| Earnings coverage of net charge-offs (x) | 78.7778% | 485 |
| Efficiency ratio | 75.0853% | 3,863 |
| Assets per employee ($millions) | 2.9097% | 6,359 |
| Cash dividends to net income (ytd only)* | 30.4270% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 5,455 |
| Loan loss allowance to noncurrent loans | 260.5744% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 5,247 |
| Noncurrent loans to loans | 0.4300% | 6,443 |
| Net loans and leases to total assets | 75.6764% | 2,261 |
| Net loans and leases to deposits | 103.8839% | 924 |
| Net loans and leases to core deposits | 133.9380% | 1,320 |
| Total domestic deposits to total assets | 72.8471% | 7,130 |
| Equity capital to assets | 10.7106% | 3,191 |
| Core capital (leverage) ratio | 10.3847% | 2,917 |
| Tier 1 risk-based capital ratio | 12.0596% | 4,865 |
| Total risk-based capital ratio | 13.0426% | 5,023 |
| Memoranda: | ||
| Average total assets | $118,840,670 | 4,665 |
| Average earning assets | $105,427,330 | 4,740 |
| Average equity | $12,363,330 | 4,721 |
| Average total loans | $89,486,670 | 4,291 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5237% | 826 |
| Cost of funding earning assets | 1.9657% | 4,306 |
| Net interest margin | 4.5580% | 1,022 |
| Noninterest income to average assets | 0.8262% | 2,194 |
| Noninterest expense to average assets | 3.4714% | 2,166 |
| Loan and lease loss provision to assets | 0.2998% | 3,547 |
| Net operating income to assets | 1.0961% | 1,975 |
| Return on assets (ROA) | 1.0961% | 2,101 |
| Pretax return on assets | 1.1027% | 2,978 |
| Return on Equity (ROE) | 10.6888% | 2,072 |
| Retained earnings to average equity (ytd only) | 9.4217% | 1,362 |
| Net charge-offs to loans | 0.1293% | 3,928 |
| Credit loss provision to net charge-offs | 310.3448% | 1,573 |
| Earnings coverage of net charge-offs (x) | 14.5172% | 1,665 |
| Efficiency ratio | 70.5400% | 4,467 |
| Assets per employee ($millions) | 3.0416% | 6,042 |
| Cash dividends to net income (ytd only)* | 11.8541% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 6,062 |
| Loan loss allowance to noncurrent loans | 83.3026% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.4096% | 3,830 |
| Noncurrent loans to loans | 1.2209% | 4,531 |
| Net loans and leases to total assets | 72.2344% | 3,192 |
| Net loans and leases to deposits | 98.5611% | 1,589 |
| Net loans and leases to core deposits | 125.5737% | 1,949 |
| Total domestic deposits to total assets | 73.2889% | 7,007 |
| Equity capital to assets | 10.3292% | 3,625 |
| Core capital (leverage) ratio | 10.2441% | 3,157 |
| Tier 1 risk-based capital ratio | 11.6769% | 5,228 |
| Total risk-based capital ratio | 12.5462% | 5,515 |
| Memoranda: | ||
| Average total assets | $120,066,500 | 4,652 |
| Average earning assets | $106,626,000 | 4,729 |
| Average equity | $12,312,000 | 4,748 |
| Average total loans | $89,691,500 | 4,322 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9510% | 1,257 |
| Cost of funding earning assets | 2.5571% | 3,916 |
| Net interest margin | 4.3940% | 1,700 |
| Noninterest income to average assets | 0.8644% | 2,140 |
| Noninterest expense to average assets | 3.8614% | 1,640 |
| Loan and lease loss provision to assets | 0.2680% | 4,255 |
| Net operating income to assets | 0.6310% | 4,185 |
| Return on assets (ROA) | 0.6708% | 3,864 |
| Pretax return on assets | 0.6725% | 4,472 |
| Return on Equity (ROE) | 6.6057% | 3,709 |
| Retained earnings to average equity (ytd only) | 2.9198% | 3,357 |
| Net charge-offs to loans | 0.1028% | 5,281 |
| Credit loss provision to net charge-offs | 344.4444% | 1,316 |
| Earnings coverage of net charge-offs (x) | 11.5778% | 2,357 |
| Efficiency ratio | 80.3413% | 2,546 |
| Assets per employee ($millions) | 2.8207% | 6,513 |
| Cash dividends to net income (ytd only)* | 55.7990% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 6,512 |
| Loan loss allowance to noncurrent loans | 86.6255% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.3506% | 3,510 |
| Noncurrent loans to loans | 1.0729% | 4,422 |
| Net loans and leases to total assets | 75.7622% | 2,687 |
| Net loans and leases to deposits | 104.2391% | 1,319 |
| Net loans and leases to core deposits | 126.7300% | 2,108 |
| Total domestic deposits to total assets | 72.6812% | 6,888 |
| Equity capital to assets | 10.1774% | 3,833 |
| Core capital (leverage) ratio | 10.1526% | 3,317 |
| Tier 1 risk-based capital ratio | 11.1904% | 5,545 |
| Total risk-based capital ratio | 11.9849% | 5,882 |
| Memoranda: | ||
| Average total assets | $115,684,000 | 4,615 |
| Average earning assets | $102,618,000 | 4,723 |
| Average equity | $11,747,400 | 4,904 |
| Average total loans | $87,533,000 | 4,300 |