Home > Merchants State Bank > Performance and Condition Ratios
Merchants State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2481% | 1,579 |
| Cost of funding earning assets | 1.4669% | 2,027 |
| Net interest margin | 3.7811% | 1,595 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.2255% | 3,054 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.5116% | 999 |
| Return on assets (ROA) | 1.4899% | 1,004 |
| Pretax return on assets | 1.5756% | 1,282 |
| Return on Equity (ROE) | 13.4300% | 1,624 |
| Retained earnings to average equity (ytd only) | 9.3345% | 1,175 |
| Net charge-offs to loans | -0.0052% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.0226% | 3,294 |
| Assets per employee ($millions) | 7.0296% | 2,052 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6940% | 4,137 |
| Loan loss allowance to noncurrent loans | 196.8317% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 2,060 |
| Noncurrent loans to loans | 0.3526% | 1,925 |
| Net loans and leases to total assets | 65.2700% | 2,336 |
| Net loans and leases to deposits | 80.0492% | 2,103 |
| Net loans and leases to core deposits | 89.8778% | 2,056 |
| Total domestic deposits to total assets | 81.5300% | 3,218 |
| Equity capital to assets | 12.1904% | 1,071 |
| Core capital (leverage) ratio | 14.8206% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $214,644,800 | 2,877 |
| Average earning assets | $201,579,000 | 2,850 |
| Average equity | $23,814,800 | 2,584 |
| Average total loans | $134,765,200 | 2,816 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1484% | 1,544 |
| Cost of funding earning assets | 1.3125% | 2,120 |
| Net interest margin | 3.8359% | 1,525 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.1151% | 3,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7179% | 772 |
| Return on assets (ROA) | 1.6954% | 789 |
| Pretax return on assets | 1.7883% | 1,028 |
| Return on Equity (ROE) | 15.6800% | 1,312 |
| Retained earnings to average equity (ytd only) | 10.0543% | 1,386 |
| Net charge-offs to loans | -0.0241% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.8584% | 3,600 |
| Assets per employee ($millions) | 6.7324% | 2,155 |
| Cash dividends to net income (ytd only)* | 35.8588% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7280% | 4,097 |
| Loan loss allowance to noncurrent loans | 216.7033% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 2,173 |
| Noncurrent loans to loans | 0.3359% | 2,027 |
| Net loans and leases to total assets | 64.4200% | 2,396 |
| Net loans and leases to deposits | 77.8961% | 2,255 |
| Net loans and leases to core deposits | 87.9696% | 2,050 |
| Total domestic deposits to total assets | 82.7000% | 3,069 |
| Equity capital to assets | 10.8287% | 1,418 |
| Core capital (leverage) ratio | 14.7780% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $213,826,500 | 2,893 |
| Average earning assets | $200,937,250 | 2,869 |
| Average equity | $23,127,250 | 2,612 |
| Average total loans | $132,650,750 | 2,839 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9957% | 1,572 |
| Cost of funding earning assets | 1.1503% | 2,131 |
| Net interest margin | 3.8454% | 1,531 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.1769% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4988% | 1,101 |
| Return on assets (ROA) | 1.4800% | 1,135 |
| Pretax return on assets | 1.8178% | 981 |
| Return on Equity (ROE) | 13.6900% | 1,751 |
| Retained earnings to average equity (ytd only) | 8.0247% | 1,953 |
| Net charge-offs to loans | -0.0304% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.1801% | 3,592 |
| Assets per employee ($millions) | 6.7396% | 2,109 |
| Cash dividends to net income (ytd only)* | 41.3793% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7392% | 4,120 |
| Loan loss allowance to noncurrent loans | 190.6796% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 1,996 |
| Noncurrent loans to loans | 0.3877% | 1,761 |
| Net loans and leases to total assets | 61.1400% | 2,653 |
| Net loans and leases to deposits | 74.1742% | 2,476 |
| Net loans and leases to core deposits | 79.9827% | 2,472 |
| Total domestic deposits to total assets | 82.4300% | 3,149 |
| Equity capital to assets | 11.2109% | 1,299 |
| Core capital (leverage) ratio | 14.2190% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $215,533,667 | 2,894 |
| Average earning assets | $203,255,333 | 2,868 |
| Average equity | $23,303,000 | 2,608 |
| Average total loans | $131,722,000 | 2,848 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 1,770 |
| Cost of funding earning assets | 0.9583% | 2,190 |
| Net interest margin | 3.7765% | 1,732 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.2481% | 2,964 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3245% | 1,607 |
| Return on assets (ROA) | 1.3051% | 1,625 |
| Pretax return on assets | 1.5019% | 1,667 |
| Return on Equity (ROE) | 12.3000% | 2,143 |
| Retained earnings to average equity (ytd only) | 6.8750% | 2,530 |
| Net charge-offs to loans | -0.0640% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.5965% | 3,002 |
| Assets per employee ($millions) | 6.5759% | 2,286 |
| Cash dividends to net income (ytd only)* | 44.0967% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 4,173 |
| Loan loss allowance to noncurrent loans | 207.8224% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 2,003 |
| Noncurrent loans to loans | 0.3622% | 1,849 |
| Net loans and leases to total assets | 61.6000% | 2,502 |
| Net loans and leases to deposits | 70.7293% | 2,556 |
| Net loans and leases to core deposits | 76.1882% | 2,513 |
| Total domestic deposits to total assets | 87.0900% | 2,230 |
| Equity capital to assets | 11.2878% | 1,230 |
| Core capital (leverage) ratio | 13.7680% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $215,467,500 | 2,938 |
| Average earning assets | $204,528,000 | 2,903 |
| Average equity | $22,865,500 | 2,659 |
| Average total loans | $131,161,500 | 2,885 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 1,648 |
| Cost of funding earning assets | 0.4752% | 1,550 |
| Net interest margin | 3.5513% | 1,780 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.0685% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5702% | 740 |
| Return on assets (ROA) | 1.5290% | 797 |
| Pretax return on assets | 1.6097% | 1,150 |
| Return on Equity (ROE) | 14.6500% | 1,352 |
| Retained earnings to average equity (ytd only) | 10.0410% | 1,134 |
| Net charge-offs to loans | 0.2032% | 408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 13.9961% | 2,048 |
| Efficiency ratio | 55.5814% | 3,622 |
| Assets per employee ($millions) | 7.1131% | 1,885 |
| Cash dividends to net income (ytd only)* | 31.4644% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 3,091 |
| Loan loss allowance to noncurrent loans | 284.6626% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 2,048 |
| Noncurrent loans to loans | 0.3712% | 1,811 |
| Net loans and leases to total assets | 59.1000% | 2,724 |
| Net loans and leases to deposits | 66.8136% | 2,834 |
| Net loans and leases to core deposits | 71.5220% | 2,758 |
| Total domestic deposits to total assets | 88.4600% | 1,908 |
| Equity capital to assets | 9.9671% | 1,722 |
| Core capital (leverage) ratio | 13.0779% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $219,288,800 | 2,909 |
| Average earning assets | $207,896,400 | 2,876 |
| Average equity | $22,886,200 | 2,709 |
| Average total loans | $127,435,600 | 2,856 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8681% | 1,557 |
| Cost of funding earning assets | 0.4349% | 1,074 |
| Net interest margin | 3.4332% | 1,856 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.9660% | 3,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6220% | 626 |
| Return on assets (ROA) | 1.5751% | 677 |
| Pretax return on assets | 1.6634% | 970 |
| Return on Equity (ROE) | 14.9200% | 1,195 |
| Retained earnings to average equity (ytd only) | 8.8374% | 1,710 |
| Net charge-offs to loans | 0.0939% | 656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 31.6067% | 1,502 |
| Efficiency ratio | 53.4426% | 3,873 |
| Assets per employee ($millions) | 6.9195% | 2,005 |
| Cash dividends to net income (ytd only)* | 40.7808% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,492 |
| Loan loss allowance to noncurrent loans | 598.4674% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 2,750 |
| Noncurrent loans to loans | 0.2016% | 2,597 |
| Net loans and leases to total assets | 59.6200% | 2,548 |
| Net loans and leases to deposits | 66.6795% | 2,661 |
| Net loans and leases to core deposits | 71.6537% | 2,512 |
| Total domestic deposits to total assets | 89.4100% | 1,914 |
| Equity capital to assets | 9.0031% | 2,214 |
| Core capital (leverage) ratio | 12.7308% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $218,984,750 | 2,929 |
| Average earning assets | $207,228,000 | 2,900 |
| Average equity | $23,113,250 | 2,733 |
| Average total loans | $126,365,000 | 2,864 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6249% | 1,761 |
| Cost of funding earning assets | 0.4396% | 729 |
| Net interest margin | 3.1853% | 2,240 |
| Noninterest income to average assets | 0.5397% | 1,994 |
| Noninterest expense to average assets | 1.9684% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5094% | 694 |
| Return on assets (ROA) | 1.4559% | 762 |
| Pretax return on assets | 1.5385% | 1,079 |
| Return on Equity (ROE) | 13.1663% | 1,335 |
| Retained earnings to average equity (ytd only) | 7.1369% | 1,943 |
| Net charge-offs to loans | 0.1372% | 471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 20.4419% | 1,548 |
| Efficiency ratio | 55.2444% | 3,852 |
| Assets per employee ($millions) | 7.2195% | 1,795 |
| Cash dividends to net income (ytd only)* | 45.7944% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 2,631 |
| Loan loss allowance to noncurrent loans | 954.2683% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,241 |
| Noncurrent loans to loans | 0.1269% | 3,083 |
| Net loans and leases to total assets | 57.0296% | 2,634 |
| Net loans and leases to deposits | 64.1972% | 2,699 |
| Net loans and leases to core deposits | 68.5050% | 2,608 |
| Total domestic deposits to total assets | 88.8349% | 2,251 |
| Equity capital to assets | 9.6455% | 1,912 |
| Core capital (leverage) ratio | 12.6862% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,478,667 | 2,941 |
| Average earning assets | $209,273,667 | 2,924 |
| Average equity | $24,380,333 | 2,717 |
| Average total loans | $125,338,000 | 2,890 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4934% | 1,834 |
| Cost of funding earning assets | 0.4540% | 639 |
| Net interest margin | 3.0394% | 2,368 |
| Noninterest income to average assets | 0.2194% | 3,842 |
| Noninterest expense to average assets | 1.9798% | 3,481 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0569% | 1,666 |
| Return on assets (ROA) | 1.0036% | 1,863 |
| Pretax return on assets | 1.0712% | 2,232 |
| Return on Equity (ROE) | 8.5192% | 2,505 |
| Retained earnings to average equity (ytd only) | 3.7087% | 3,038 |
| Net charge-offs to loans | 0.2788% | 226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 7.1744% | 1,546 |
| Efficiency ratio | 63.7059% | 3,067 |
| Assets per employee ($millions) | 7.1731% | 1,874 |
| Cash dividends to net income (ytd only)* | 56.4663% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 2,512 |
| Loan loss allowance to noncurrent loans | 931.5476% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 3,287 |
| Noncurrent loans to loans | 0.1360% | 3,131 |
| Net loans and leases to total assets | 56.6601% | 2,458 |
| Net loans and leases to deposits | 64.8250% | 2,452 |
| Net loans and leases to core deposits | 69.2324% | 2,354 |
| Total domestic deposits to total assets | 87.4047% | 2,782 |
| Equity capital to assets | 11.0236% | 1,322 |
| Core capital (leverage) ratio | 12.6838% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,815,500 | 2,972 |
| Average earning assets | $207,933,000 | 2,940 |
| Average equity | $25,777,000 | 2,723 |
| Average total loans | $123,407,000 | 2,916 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 1,226 |
| Cost of funding earning assets | 0.6106% | 516 |
| Net interest margin | 3.4506% | 1,878 |
| Noninterest income to average assets | 0.2299% | 4,000 |
| Noninterest expense to average assets | 2.0284% | 3,586 |
| Loan and lease loss provision to assets | 0.0350% | 2,353 |
| Net operating income to assets | 1.3627% | 1,402 |
| Return on assets (ROA) | 1.2850% | 1,700 |
| Pretax return on assets | 1.3537% | 2,191 |
| Return on Equity (ROE) | 10.1837% | 2,463 |
| Retained earnings to average equity (ytd only) | 7.2397% | 1,829 |
| Net charge-offs to loans | 0.1343% | 691 |
| Credit loss provision to net charge-offs | 44.9102% | 2,169 |
| Earnings coverage of net charge-offs (x) | 18.8443% | 1,898 |
| Efficiency ratio | 57.9728% | 3,449 |
| Assets per employee ($millions) | 7.4146% | 1,664 |
| Cash dividends to net income (ytd only)* | 28.9091% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 2,188 |
| Loan loss allowance to noncurrent loans | 336.2525% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 2,456 |
| Noncurrent loans to loans | 0.3981% | 2,162 |
| Net loans and leases to total assets | 54.6981% | 2,767 |
| Net loans and leases to deposits | 63.6456% | 2,716 |
| Net loans and leases to core deposits | 67.7929% | 2,670 |
| Total domestic deposits to total assets | 85.9418% | 2,933 |
| Equity capital to assets | 12.5122% | 1,061 |
| Core capital (leverage) ratio | 12.5244% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,006,800 | 2,954 |
| Average earning assets | $202,746,600 | 2,933 |
| Average equity | $27,004,000 | 2,723 |
| Average total loans | $124,349,800 | 2,909 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 997 |
| Cost of funding earning assets | 0.6394% | 517 |
| Net interest margin | 3.6324% | 1,517 |
| Noninterest income to average assets | 0.2353% | 3,989 |
| Noninterest expense to average assets | 1.9021% | 3,940 |
| Loan and lease loss provision to assets | 0.0472% | 2,056 |
| Net operating income to assets | 1.6340% | 948 |
| Return on assets (ROA) | 1.5611% | 1,171 |
| Pretax return on assets | 1.6479% | 1,558 |
| Return on Equity (ROE) | 12.3444% | 1,919 |
| Retained earnings to average equity (ytd only) | 8.3888% | 1,920 |
| Net charge-offs to loans | 0.0717% | 933 |
| Credit loss provision to net charge-offs | 111.9403% | 1,505 |
| Earnings coverage of net charge-offs (x) | 42.0299% | 1,338 |
| Efficiency ratio | 51.7726% | 4,041 |
| Assets per employee ($millions) | 7.2172% | 1,727 |
| Cash dividends to net income (ytd only)* | 32.0435% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 1,531 |
| Loan loss allowance to noncurrent loans | 334.7992% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 2,573 |
| Noncurrent loans to loans | 0.4560% | 2,196 |
| Net loans and leases to total assets | 52.1682% | 3,178 |
| Net loans and leases to deposits | 61.9621% | 3,043 |
| Net loans and leases to core deposits | 66.0801% | 2,947 |
| Total domestic deposits to total assets | 84.1937% | 3,407 |
| Equity capital to assets | 12.7612% | 1,069 |
| Core capital (leverage) ratio | 12.6954% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,898,750 | 2,998 |
| Average earning assets | $200,598,000 | 2,986 |
| Average equity | $26,797,000 | 2,772 |
| Average total loans | $124,607,000 | 2,947 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 963 |
| Cost of funding earning assets | 0.6690% | 523 |
| Net interest margin | 3.6580% | 1,448 |
| Noninterest income to average assets | 0.2405% | 3,962 |
| Noninterest expense to average assets | 1.9452% | 3,850 |
| Loan and lease loss provision to assets | 0.0713% | 1,634 |
| Net operating income to assets | 1.5900% | 1,069 |
| Return on assets (ROA) | 1.5250% | 1,295 |
| Pretax return on assets | 1.6125% | 1,700 |
| Return on Equity (ROE) | 12.0968% | 2,016 |
| Retained earnings to average equity (ytd only) | 7.0816% | 2,400 |
| Net charge-offs to loans | 0.1048% | 722 |
| Credit loss provision to net charge-offs | 111.9403% | 1,300 |
| Earnings coverage of net charge-offs (x) | 27.5075% | 1,363 |
| Efficiency ratio | 52.6099% | 3,975 |
| Assets per employee ($millions) | 6.9386% | 1,853 |
| Cash dividends to net income (ytd only)* | 41.4589% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 1,702 |
| Loan loss allowance to noncurrent loans | 388.2483% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 2,893 |
| Noncurrent loans to loans | 0.3775% | 2,543 |
| Net loans and leases to total assets | 54.7283% | 3,047 |
| Net loans and leases to deposits | 64.8811% | 2,910 |
| Net loans and leases to core deposits | 69.7714% | 2,810 |
| Total domestic deposits to total assets | 84.3517% | 3,328 |
| Equity capital to assets | 12.5952% | 1,090 |
| Core capital (leverage) ratio | 12.4253% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,360,000 | 3,009 |
| Average earning assets | $198,796,000 | 2,992 |
| Average equity | $26,519,333 | 2,783 |
| Average total loans | $127,908,333 | 2,924 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 1,797 |
| Cost of funding earning assets | 0.7063% | 533 |
| Net interest margin | 3.2079% | 2,669 |
| Noninterest income to average assets | 0.2596% | 3,843 |
| Noninterest expense to average assets | 1.9866% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2235% | 2,058 |
| Return on assets (ROA) | 1.1693% | 2,336 |
| Pretax return on assets | 1.2462% | 2,710 |
| Return on Equity (ROE) | 9.2708% | 2,934 |
| Retained earnings to average equity (ytd only) | 3.9340% | 3,522 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3741% | 2,986 |
| Assets per employee ($millions) | 6.8905% | 1,868 |
| Cash dividends to net income (ytd only)* | 57.5658% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 2,168 |
| Loan loss allowance to noncurrent loans | 233.0214% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 2,401 |
| Noncurrent loans to loans | 0.5826% | 2,114 |
| Net loans and leases to total assets | 59.2867% | 2,637 |
| Net loans and leases to deposits | 70.7454% | 2,437 |
| Net loans and leases to core deposits | 76.9507% | 2,271 |
| Total domestic deposits to total assets | 83.8029% | 3,499 |
| Equity capital to assets | 12.1939% | 1,205 |
| Core capital (leverage) ratio | 12.5505% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,991,500 | 3,020 |
| Average earning assets | $196,517,500 | 3,004 |
| Average equity | $26,233,000 | 2,788 |
| Average total loans | $132,127,500 | 2,875 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9356% | 561 |
| Cost of funding earning assets | 0.9213% | 798 |
| Net interest margin | 4.0143% | 944 |
| Noninterest income to average assets | 0.2410% | 4,054 |
| Noninterest expense to average assets | 2.1352% | 3,858 |
| Loan and lease loss provision to assets | 0.0800% | 3,377 |
| Net operating income to assets | 1.6861% | 520 |
| Return on assets (ROA) | 1.6744% | 573 |
| Pretax return on assets | 1.7614% | 743 |
| Return on Equity (ROE) | 12.6126% | 1,146 |
| Retained earnings to average equity (ytd only) | 9.4594% | 691 |
| Net charge-offs to loans | 0.0204% | 2,654 |
| Credit loss provision to net charge-offs | 517.2414% | 1,225 |
| Earnings coverage of net charge-offs (x) | 119.8621% | 707 |
| Efficiency ratio | 53.5294% | 4,256 |
| Assets per employee ($millions) | 6.5283% | 1,901 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,499 |
| Loan loss allowance to noncurrent loans | 100.8681% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.8539% | 1,178 |
| Noncurrent loans to loans | 1.2718% | 1,078 |
| Net loans and leases to total assets | 66.2768% | 2,058 |
| Net loans and leases to deposits | 80.1067% | 1,853 |
| Net loans and leases to core deposits | 87.1992% | 1,773 |
| Total domestic deposits to total assets | 82.7357% | 3,483 |
| Equity capital to assets | 13.0543% | 1,067 |
| Core capital (leverage) ratio | 13.1044% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,524,800 | 3,043 |
| Average earning assets | $175,073,200 | 3,031 |
| Average equity | $24,895,800 | 2,811 |
| Average total loans | $141,811,800 | 2,733 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 664 |
| Cost of funding earning assets | 0.9712% | 846 |
| Net interest margin | 3.9804% | 1,159 |
| Noninterest income to average assets | 0.2481% | 3,990 |
| Noninterest expense to average assets | 1.9802% | 4,197 |
| Loan and lease loss provision to assets | 0.1088% | 2,958 |
| Net operating income to assets | 1.7805% | 472 |
| Return on assets (ROA) | 1.7750% | 533 |
| Pretax return on assets | 1.8722% | 676 |
| Return on Equity (ROE) | 13.3085% | 1,028 |
| Retained earnings to average equity (ytd only) | 9.0391% | 969 |
| Net charge-offs to loans | -0.0102% | 4,228 |
| Credit loss provision to net charge-offs | -1,363.6364% | 3,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9177% | 4,499 |
| Assets per employee ($millions) | 6.1024% | 2,178 |
| Cash dividends to net income (ytd only)* | 32.0801% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,384 |
| Loan loss allowance to noncurrent loans | 90.9694% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.0361% | 1,053 |
| Noncurrent loans to loans | 1.3771% | 1,056 |
| Net loans and leases to total assets | 74.2952% | 1,338 |
| Net loans and leases to deposits | 90.6434% | 1,205 |
| Net loans and leases to core deposits | 99.3462% | 1,210 |
| Total domestic deposits to total assets | 81.9643% | 3,430 |
| Equity capital to assets | 13.4542% | 1,014 |
| Core capital (leverage) ratio | 13.1562% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,811,750 | 3,061 |
| Average earning assets | $171,738,250 | 3,040 |
| Average equity | $24,515,000 | 2,830 |
| Average total loans | $143,296,750 | 2,724 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 727 |
| Cost of funding earning assets | 1.0182% | 932 |
| Net interest margin | 4.0527% | 1,211 |
| Noninterest income to average assets | 0.2472% | 3,991 |
| Noninterest expense to average assets | 2.0217% | 4,191 |
| Loan and lease loss provision to assets | 0.1648% | 2,352 |
| Net operating income to assets | 1.7469% | 561 |
| Return on assets (ROA) | 1.7448% | 617 |
| Pretax return on assets | 1.8415% | 753 |
| Return on Equity (ROE) | 13.1225% | 1,073 |
| Retained earnings to average equity (ytd only) | 8.7842% | 1,077 |
| Net charge-offs to loans | 0.0989% | 1,280 |
| Credit loss provision to net charge-offs | 211.2676% | 1,867 |
| Earnings coverage of net charge-offs (x) | 25.7465% | 1,542 |
| Efficiency ratio | 50.1636% | 4,496 |
| Assets per employee ($millions) | 6.8641% | 1,523 |
| Cash dividends to net income (ytd only)* | 33.0605% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 2,775 |
| Loan loss allowance to noncurrent loans | 55.1378% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.6051% | 554 |
| Noncurrent loans to loans | 2.0874% | 620 |
| Net loans and leases to total assets | 76.0124% | 1,137 |
| Net loans and leases to deposits | 92.0810% | 1,148 |
| Net loans and leases to core deposits | 100.7128% | 1,208 |
| Total domestic deposits to total assets | 82.5495% | 3,221 |
| Equity capital to assets | 12.9603% | 1,181 |
| Core capital (leverage) ratio | 12.9845% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,024,000 | 3,057 |
| Average earning assets | $169,912,333 | 3,048 |
| Average equity | $24,202,667 | 2,839 |
| Average total loans | $143,618,667 | 2,713 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 535 |
| Cost of funding earning assets | 1.0758% | 1,116 |
| Net interest margin | 4.2403% | 847 |
| Noninterest income to average assets | 0.2758% | 3,871 |
| Noninterest expense to average assets | 2.1431% | 4,131 |
| Loan and lease loss provision to assets | 0.1696% | 1,732 |
| Net operating income to assets | 1.8016% | 414 |
| Return on assets (ROA) | 1.7995% | 460 |
| Pretax return on assets | 1.9080% | 563 |
| Return on Equity (ROE) | 13.3504% | 814 |
| Retained earnings to average equity (ytd only) | 8.3188% | 1,136 |
| Net charge-offs to loans | 0.2007% | 687 |
| Credit loss provision to net charge-offs | 105.6338% | 1,783 |
| Earnings coverage of net charge-offs (x) | 12.9577% | 1,674 |
| Efficiency ratio | 50.7495% | 4,622 |
| Assets per employee ($millions) | 6.1475% | 1,561 |
| Cash dividends to net income (ytd only)* | 37.6884% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 3,020 |
| Loan loss allowance to noncurrent loans | 50.2472% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.8151% | 495 |
| Noncurrent loans to loans | 2.2570% | 571 |
| Net loans and leases to total assets | 79.5090% | 759 |
| Net loans and leases to deposits | 99.6086% | 582 |
| Net loans and leases to core deposits | 108.4240% | 928 |
| Total domestic deposits to total assets | 79.8214% | 3,888 |
| Equity capital to assets | 13.4924% | 1,220 |
| Core capital (leverage) ratio | 13.5917% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,938,500 | 3,066 |
| Average earning assets | $164,707,000 | 3,064 |
| Average equity | $23,849,500 | 2,861 |
| Average total loans | $141,531,500 | 2,715 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4718% | 589 |
| Cost of funding earning assets | 1.0909% | 1,363 |
| Net interest margin | 4.3809% | 932 |
| Noninterest income to average assets | 0.3046% | 3,867 |
| Noninterest expense to average assets | 2.3736% | 3,754 |
| Loan and lease loss provision to assets | 0.1734% | 1,204 |
| Net operating income to assets | 1.7377% | 608 |
| Return on assets (ROA) | 1.7339% | 653 |
| Pretax return on assets | 1.8246% | 882 |
| Return on Equity (ROE) | 13.3661% | 1,057 |
| Retained earnings to average equity (ytd only) | 9.8018% | 534 |
| Net charge-offs to loans | 0.1561% | 1,286 |
| Credit loss provision to net charge-offs | 142.8571% | 1,797 |
| Earnings coverage of net charge-offs (x) | 16.4952% | 2,167 |
| Efficiency ratio | 54.2465% | 4,399 |
| Assets per employee ($millions) | 6.0551% | 1,595 |
| Cash dividends to net income (ytd only)* | 26.6667% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 2,637 |
| Loan loss allowance to noncurrent loans | 61.8848% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.4926% | 679 |
| Noncurrent loans to loans | 1.8763% | 704 |
| Net loans and leases to total assets | 78.6269% | 986 |
| Net loans and leases to deposits | 97.7258% | 781 |
| Net loans and leases to core deposits | 105.1923% | 1,159 |
| Total domestic deposits to total assets | 80.4566% | 3,886 |
| Equity capital to assets | 13.4653% | 1,292 |
| Core capital (leverage) ratio | 13.3792% | 1,092 |
| Tier 1 risk-based capital ratio | 15.4620% | 2,593 |
| Total risk-based capital ratio | 16.5387% | 2,590 |
| Memoranda: | ||
| Average total assets | $173,024,800 | 3,082 |
| Average earning assets | $160,789,400 | 3,074 |
| Average equity | $22,444,800 | 2,924 |
| Average total loans | $134,530,800 | 2,781 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5081% | 575 |
| Cost of funding earning assets | 1.0840% | 1,409 |
| Net interest margin | 4.4241% | 895 |
| Noninterest income to average assets | 0.3102% | 3,889 |
| Noninterest expense to average assets | 2.1873% | 4,204 |
| Loan and lease loss provision to assets | 0.1740% | 1,060 |
| Net operating income to assets | 1.9613% | 431 |
| Return on assets (ROA) | 1.9576% | 448 |
| Pretax return on assets | 2.0582% | 606 |
| Return on Equity (ROE) | 15.2387% | 725 |
| Retained earnings to average equity (ytd only) | 10.4221% | 647 |
| Net charge-offs to loans | 0.0100% | 3,015 |
| Credit loss provision to net charge-offs | 2,250.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 289.1650% | 318 |
| Efficiency ratio | 49.4492% | 4,772 |
| Assets per employee ($millions) | 5.8978% | 1,673 |
| Cash dividends to net income (ytd only)* | 31.6081% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 1,859 |
| Loan loss allowance to noncurrent loans | 54.6792% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.8680% | 509 |
| Noncurrent loans to loans | 2.4266% | 489 |
| Net loans and leases to total assets | 75.9602% | 1,490 |
| Net loans and leases to deposits | 94.7477% | 1,152 |
| Net loans and leases to core deposits | 101.5992% | 1,538 |
| Total domestic deposits to total assets | 80.1710% | 3,957 |
| Equity capital to assets | 13.5848% | 1,324 |
| Core capital (leverage) ratio | 13.4680% | 1,145 |
| Tier 1 risk-based capital ratio | 15.7999% | 2,515 |
| Total risk-based capital ratio | 17.0092% | 2,471 |
| Memoranda: | ||
| Average total assets | $172,381,250 | 3,118 |
| Average earning assets | $160,269,000 | 3,112 |
| Average equity | $22,144,750 | 2,972 |
| Average total loans | $133,241,000 | 2,819 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5130% | 555 |
| Cost of funding earning assets | 1.0581% | 1,460 |
| Net interest margin | 4.4549% | 845 |
| Noninterest income to average assets | 0.2951% | 3,965 |
| Noninterest expense to average assets | 2.1489% | 4,332 |
| Loan and lease loss provision to assets | 0.1736% | 1,045 |
| Net operating income to assets | 2.0098% | 380 |
| Return on assets (ROA) | 2.0054% | 405 |
| Pretax return on assets | 2.1142% | 533 |
| Return on Equity (ROE) | 15.9127% | 601 |
| Retained earnings to average equity (ytd only) | 11.0002% | 542 |
| Net charge-offs to loans | -0.0194% | 4,538 |
| Credit loss provision to net charge-offs | -1,153.8462% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3846% | 4,876 |
| Assets per employee ($millions) | 5.8470% | 1,658 |
| Cash dividends to net income (ytd only)* | 30.8713% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 2,149 |
| Loan loss allowance to noncurrent loans | 59.0181% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.6938% | 622 |
| Noncurrent loans to loans | 2.1474% | 636 |
| Net loans and leases to total assets | 77.8767% | 1,244 |
| Net loans and leases to deposits | 97.1606% | 921 |
| Net loans and leases to core deposits | 104.1322% | 1,376 |
| Total domestic deposits to total assets | 80.1525% | 4,011 |
| Equity capital to assets | 13.3113% | 1,431 |
| Core capital (leverage) ratio | 12.9606% | 1,309 |
| Tier 1 risk-based capital ratio | 15.2477% | 2,732 |
| Total risk-based capital ratio | 16.4071% | 2,698 |
| Memoranda: | ||
| Average total assets | $172,829,330 | 3,126 |
| Average earning assets | $160,856,670 | 3,124 |
| Average equity | $21,781,330 | 2,995 |
| Average total loans | $133,765,670 | 2,829 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3710% | 668 |
| Cost of funding earning assets | 1.0063% | 1,547 |
| Net interest margin | 4.3647% | 977 |
| Noninterest income to average assets | 0.2751% | 4,039 |
| Noninterest expense to average assets | 2.1070% | 4,449 |
| Loan and lease loss provision to assets | 0.1720% | 972 |
| Net operating income to assets | 1.9486% | 420 |
| Return on assets (ROA) | 1.9443% | 439 |
| Pretax return on assets | 2.0589% | 574 |
| Return on Equity (ROE) | 15.8605% | 606 |
| Retained earnings to average equity (ytd only) | 10.8106% | 842 |
| Net charge-offs to loans | -0.0239% | 4,559 |
| Credit loss provision to net charge-offs | -937.5000% | 3,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5216% | 4,921 |
| Assets per employee ($millions) | 5.9459% | 1,591 |
| Cash dividends to net income (ytd only)* | 31.8396% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 2,493 |
| Loan loss allowance to noncurrent loans | 57.3916% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.6320% | 690 |
| Noncurrent loans to loans | 2.1197% | 684 |
| Net loans and leases to total assets | 76.0546% | 1,469 |
| Net loans and leases to deposits | 93.6140% | 1,215 |
| Net loans and leases to core deposits | 100.0969% | 1,614 |
| Total domestic deposits to total assets | 81.2428% | 3,919 |
| Equity capital to assets | 12.6208% | 1,673 |
| Core capital (leverage) ratio | 12.6037% | 1,454 |
| Tier 1 risk-based capital ratio | 14.9140% | 2,911 |
| Total risk-based capital ratio | 16.0254% | 2,912 |
| Memoranda: | ||
| Average total assets | $174,462,500 | 3,149 |
| Average earning assets | $162,578,000 | 3,139 |
| Average equity | $21,386,500 | 3,035 |
| Average total loans | $133,776,000 | 2,859 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1950% | 707 |
| Cost of funding earning assets | 0.7823% | 1,626 |
| Net interest margin | 4.4126% | 909 |
| Noninterest income to average assets | 0.3015% | 4,085 |
| Noninterest expense to average assets | 2.3988% | 3,882 |
| Loan and lease loss provision to assets | 0.1809% | 1,082 |
| Net operating income to assets | 1.7460% | 621 |
| Return on assets (ROA) | 1.7735% | 588 |
| Pretax return on assets | 1.8664% | 780 |
| Return on Equity (ROE) | 14.6884% | 902 |
| Retained earnings to average equity (ytd only) | 9.7690% | 662 |
| Net charge-offs to loans | 0.1328% | 1,422 |
| Credit loss provision to net charge-offs | 178.5714% | 1,582 |
| Earnings coverage of net charge-offs (x) | 19.9226% | 2,030 |
| Efficiency ratio | 54.3072% | 4,585 |
| Assets per employee ($millions) | 6.3034% | 1,318 |
| Cash dividends to net income (ytd only)* | 33.4920% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 2,895 |
| Loan loss allowance to noncurrent loans | 72.8830% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.1910% | 1,102 |
| Noncurrent loans to loans | 1.5594% | 952 |
| Net loans and leases to total assets | 75.5058% | 1,695 |
| Net loans and leases to deposits | 91.9316% | 1,562 |
| Net loans and leases to core deposits | 98.5600% | 1,825 |
| Total domestic deposits to total assets | 82.1326% | 3,609 |
| Equity capital to assets | 11.9046% | 1,967 |
| Core capital (leverage) ratio | 12.2518% | 1,586 |
| Tier 1 risk-based capital ratio | 14.2704% | 3,174 |
| Total risk-based capital ratio | 15.3069% | 3,198 |
| Memoranda: | ||
| Average total assets | $165,831,400 | 3,211 |
| Average earning assets | $154,669,400 | 3,185 |
| Average equity | $20,022,600 | 3,089 |
| Average total loans | $126,474,200 | 2,919 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1448% | 697 |
| Cost of funding earning assets | 0.7281% | 1,699 |
| Net interest margin | 4.4167% | 871 |
| Noninterest income to average assets | 0.3097% | 4,073 |
| Noninterest expense to average assets | 2.2774% | 4,155 |
| Loan and lease loss provision to assets | 0.1839% | 990 |
| Net operating income to assets | 1.8709% | 522 |
| Return on assets (ROA) | 1.9097% | 474 |
| Pretax return on assets | 2.0134% | 601 |
| Return on Equity (ROE) | 15.7565% | 737 |
| Retained earnings to average equity (ytd only) | 9.1154% | 1,174 |
| Net charge-offs to loans | 0.0289% | 2,520 |
| Credit loss provision to net charge-offs | 833.3333% | 469 |
| Earnings coverage of net charge-offs (x) | 97.7383% | 764 |
| Efficiency ratio | 51.3638% | 4,859 |
| Assets per employee ($millions) | 5.5613% | 1,863 |
| Cash dividends to net income (ytd only)* | 42.1481% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,501 |
| Loan loss allowance to noncurrent loans | 55.7183% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.7190% | 702 |
| Noncurrent loans to loans | 2.1906% | 648 |
| Net loans and leases to total assets | 77.5138% | 1,413 |
| Net loans and leases to deposits | 96.8190% | 1,056 |
| Net loans and leases to core deposits | 103.5412% | 1,487 |
| Total domestic deposits to total assets | 80.0605% | 4,107 |
| Equity capital to assets | 12.1632% | 1,793 |
| Core capital (leverage) ratio | 12.4666% | 1,518 |
| Tier 1 risk-based capital ratio | 14.2718% | 3,230 |
| Total risk-based capital ratio | 15.3849% | 3,219 |
| Memoranda: | ||
| Average total assets | $163,165,500 | 3,267 |
| Average earning assets | $152,358,000 | 3,245 |
| Average equity | $19,775,500 | 3,134 |
| Average total loans | $124,393,750 | 2,977 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1073% | 650 |
| Cost of funding earning assets | 0.6556% | 1,897 |
| Net interest margin | 4.4517% | 765 |
| Noninterest income to average assets | 0.3075% | 4,112 |
| Noninterest expense to average assets | 2.2984% | 4,147 |
| Loan and lease loss provision to assets | 0.1853% | 967 |
| Net operating income to assets | 1.8793% | 491 |
| Return on assets (ROA) | 1.8723% | 499 |
| Pretax return on assets | 1.9760% | 635 |
| Return on Equity (ROE) | 15.4670% | 762 |
| Retained earnings to average equity (ytd only) | 8.6313% | 1,342 |
| Net charge-offs to loans | 0.0556% | 1,810 |
| Credit loss provision to net charge-offs | 441.1765% | 770 |
| Earnings coverage of net charge-offs (x) | 51.6471% | 1,107 |
| Efficiency ratio | 51.4515% | 4,940 |
| Assets per employee ($millions) | 5.4466% | 1,946 |
| Cash dividends to net income (ytd only)* | 44.1953% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,635 |
| Loan loss allowance to noncurrent loans | 59.3811% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.5624% | 834 |
| Noncurrent loans to loans | 2.0462% | 722 |
| Net loans and leases to total assets | 75.4313% | 1,734 |
| Net loans and leases to deposits | 93.9286% | 1,367 |
| Net loans and leases to core deposits | 98.5141% | 1,855 |
| Total domestic deposits to total assets | 80.3071% | 4,175 |
| Equity capital to assets | 12.2124% | 1,715 |
| Core capital (leverage) ratio | 12.1261% | 1,632 |
| Tier 1 risk-based capital ratio | 14.4878% | 3,121 |
| Total risk-based capital ratio | 15.5868% | 3,110 |
| Memoranda: | ||
| Average total assets | $161,940,670 | 3,299 |
| Average earning assets | $151,311,670 | 3,277 |
| Average equity | $19,603,000 | 3,164 |
| Average total loans | $122,217,670 | 3,012 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 701 |
| Cost of funding earning assets | 0.5258% | 2,583 |
| Net interest margin | 4.4747% | 651 |
| Noninterest income to average assets | 0.3102% | 4,086 |
| Noninterest expense to average assets | 2.3869% | 3,984 |
| Loan and lease loss provision to assets | 0.1861% | 915 |
| Net operating income to assets | 1.8009% | 564 |
| Return on assets (ROA) | 1.7939% | 575 |
| Pretax return on assets | 1.9105% | 706 |
| Return on Equity (ROE) | 14.8865% | 820 |
| Retained earnings to average equity (ytd only) | 7.8859% | 1,882 |
| Net charge-offs to loans | -0.0033% | 3,898 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1492% | 4,867 |
| Assets per employee ($millions) | 5.4512% | 1,985 |
| Cash dividends to net income (ytd only)* | 47.0263% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 2,847 |
| Loan loss allowance to noncurrent loans | 69.9526% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.2902% | 1,149 |
| Noncurrent loans to loans | 1.7054% | 1,001 |
| Net loans and leases to total assets | 74.7542% | 1,750 |
| Net loans and leases to deposits | 93.9467% | 1,228 |
| Net loans and leases to core deposits | 96.6992% | 1,924 |
| Total domestic deposits to total assets | 79.5709% | 4,481 |
| Equity capital to assets | 11.9307% | 1,841 |
| Core capital (leverage) ratio | 12.1073% | 1,584 |
| Tier 1 risk-based capital ratio | 14.3054% | 3,226 |
| Total risk-based capital ratio | 15.3871% | 3,232 |
| Memoranda: | ||
| Average total assets | $161,211,500 | 3,339 |
| Average earning assets | $150,623,500 | 3,321 |
| Average equity | $19,427,000 | 3,209 |
| Average total loans | $120,941,500 | 3,053 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 1,170 |
| Cost of funding earning assets | 0.4476% | 2,801 |
| Net interest margin | 4.2634% | 1,049 |
| Noninterest income to average assets | 0.3152% | 4,205 |
| Noninterest expense to average assets | 2.5332% | 3,667 |
| Loan and lease loss provision to assets | 0.1805% | 1,192 |
| Net operating income to assets | 1.5163% | 773 |
| Return on assets (ROA) | 1.5225% | 771 |
| Pretax return on assets | 1.5805% | 1,345 |
| Return on Equity (ROE) | 12.7181% | 1,022 |
| Retained earnings to average equity (ytd only) | 8.8143% | 541 |
| Net charge-offs to loans | 0.1360% | 1,707 |
| Credit loss provision to net charge-offs | 185.4305% | 1,462 |
| Earnings coverage of net charge-offs (x) | 18.0265% | 2,096 |
| Efficiency ratio | 59.0800% | 4,400 |
| Assets per employee ($millions) | 5.2962% | 2,151 |
| Cash dividends to net income (ytd only)* | 30.6943% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,865 |
| Loan loss allowance to noncurrent loans | 62.6679% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.4060% | 996 |
| Noncurrent loans to loans | 1.8907% | 827 |
| Net loans and leases to total assets | 73.4843% | 2,004 |
| Net loans and leases to deposits | 89.4731% | 1,839 |
| Net loans and leases to core deposits | 91.5612% | 2,410 |
| Total domestic deposits to total assets | 82.1301% | 3,839 |
| Equity capital to assets | 12.1741% | 1,721 |
| Core capital (leverage) ratio | 12.2655% | 1,465 |
| Tier 1 risk-based capital ratio | 14.5649% | 3,057 |
| Total risk-based capital ratio | 15.6304% | 3,064 |
| Memoranda: | ||
| Average total assets | $155,138,000 | 3,414 |
| Average earning assets | $144,557,400 | 3,395 |
| Average equity | $18,572,000 | 3,289 |
| Average total loans | $111,031,400 | 3,165 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 1,154 |
| Cost of funding earning assets | 0.4457% | 2,755 |
| Net interest margin | 4.2469% | 1,054 |
| Noninterest income to average assets | 0.3199% | 4,246 |
| Noninterest expense to average assets | 2.3622% | 4,114 |
| Loan and lease loss provision to assets | 0.1773% | 1,135 |
| Net operating income to assets | 1.6565% | 631 |
| Return on assets (ROA) | 1.6688% | 636 |
| Pretax return on assets | 1.7483% | 1,010 |
| Return on Equity (ROE) | 14.0010% | 834 |
| Retained earnings to average equity (ytd only) | 8.7415% | 931 |
| Net charge-offs to loans | 0.1855% | 1,132 |
| Credit loss provision to net charge-offs | 134.8684% | 1,824 |
| Earnings coverage of net charge-offs (x) | 14.5527% | 2,289 |
| Efficiency ratio | 55.2589% | 4,819 |
| Assets per employee ($millions) | 5.1061% | 2,324 |
| Cash dividends to net income (ytd only)* | 37.5647% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,963 |
| Loan loss allowance to noncurrent loans | 53.3656% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.6196% | 914 |
| Noncurrent loans to loans | 2.2370% | 727 |
| Net loans and leases to total assets | 71.5373% | 2,329 |
| Net loans and leases to deposits | 85.1752% | 2,412 |
| Net loans and leases to core deposits | 87.1893% | 2,859 |
| Total domestic deposits to total assets | 83.9884% | 3,128 |
| Equity capital to assets | 12.4916% | 1,660 |
| Core capital (leverage) ratio | 12.3221% | 1,498 |
| Tier 1 risk-based capital ratio | 15.0203% | 2,908 |
| Total risk-based capital ratio | 16.0834% | 2,926 |
| Memoranda: | ||
| Average total assets | $154,200,750 | 3,452 |
| Average earning assets | $143,598,000 | 3,433 |
| Average equity | $18,379,250 | 3,345 |
| Average total loans | $109,250,000 | 3,220 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6762% | 1,102 |
| Cost of funding earning assets | 0.4476% | 2,624 |
| Net interest margin | 4.2286% | 1,015 |
| Noninterest income to average assets | 0.3067% | 4,345 |
| Noninterest expense to average assets | 2.3826% | 4,103 |
| Loan and lease loss provision to assets | 0.1682% | 1,171 |
| Net operating income to assets | 1.6137% | 675 |
| Return on assets (ROA) | 1.5866% | 746 |
| Pretax return on assets | 1.6643% | 1,145 |
| Return on Equity (ROE) | 13.5265% | 917 |
| Retained earnings to average equity (ytd only) | 5.5276% | 2,393 |
| Net charge-offs to loans | 0.0184% | 2,878 |
| Credit loss provision to net charge-offs | 1,300.0000% | 317 |
| Earnings coverage of net charge-offs (x) | 143.8000% | 520 |
| Efficiency ratio | 56.1452% | 4,813 |
| Assets per employee ($millions) | 5.1333% | 2,230 |
| Cash dividends to net income (ytd only)* | 59.1354% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,658 |
| Loan loss allowance to noncurrent loans | 50.6002% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 1.7851% | 774 |
| Noncurrent loans to loans | 2.4795% | 609 |
| Net loans and leases to total assets | 71.0890% | 2,355 |
| Net loans and leases to deposits | 83.6980% | 2,522 |
| Net loans and leases to core deposits | 85.3935% | 2,939 |
| Total domestic deposits to total assets | 84.9351% | 2,843 |
| Equity capital to assets | 12.0208% | 1,909 |
| Core capital (leverage) ratio | 11.7143% | 1,820 |
| Tier 1 risk-based capital ratio | 14.3993% | 3,221 |
| Total risk-based capital ratio | 15.5119% | 3,202 |
| Memoranda: | ||
| Average total assets | $154,540,000 | 3,461 |
| Average earning assets | $143,877,670 | 3,443 |
| Average equity | $18,127,330 | 3,382 |
| Average total loans | $108,697,670 | 3,244 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5560% | 1,244 |
| Cost of funding earning assets | 0.4495% | 2,528 |
| Net interest margin | 4.1065% | 1,202 |
| Noninterest income to average assets | 0.2946% | 4,445 |
| Noninterest expense to average assets | 2.2970% | 4,414 |
| Loan and lease loss provision to assets | 0.1938% | 859 |
| Net operating income to assets | 1.5442% | 755 |
| Return on assets (ROA) | 1.5270% | 798 |
| Pretax return on assets | 1.6097% | 1,206 |
| Return on Equity (ROE) | 13.1809% | 960 |
| Retained earnings to average equity (ytd only) | 8.1628% | 1,390 |
| Net charge-offs to loans | 0.0037% | 2,845 |
| Credit loss provision to net charge-offs | 7,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 705.0000% | 71 |
| Efficiency ratio | 55.7716% | 4,955 |
| Assets per employee ($millions) | 5.1208% | 2,279 |
| Cash dividends to net income (ytd only)* | 38.0711% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 2,799 |
| Loan loss allowance to noncurrent loans | 46.2517% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 1.8929% | 724 |
| Noncurrent loans to loans | 2.7113% | 555 |
| Net loans and leases to total assets | 68.9393% | 2,543 |
| Net loans and leases to deposits | 80.1781% | 2,729 |
| Net loans and leases to core deposits | 81.7835% | 3,112 |
| Total domestic deposits to total assets | 85.9828% | 2,675 |
| Equity capital to assets | 11.8392% | 1,948 |
| Core capital (leverage) ratio | 11.7006% | 1,829 |
| Tier 1 risk-based capital ratio | 14.6771% | 3,127 |
| Total risk-based capital ratio | 15.7820% | 3,114 |
| Memoranda: | ||
| Average total assets | $154,810,000 | 3,492 |
| Average earning assets | $144,162,500 | 3,472 |
| Average equity | $17,935,000 | 3,416 |
| Average total loans | $107,612,500 | 3,280 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 1,543 |
| Cost of funding earning assets | 0.4540% | 2,503 |
| Net interest margin | 4.0442% | 1,511 |
| Noninterest income to average assets | 0.3325% | 4,355 |
| Noninterest expense to average assets | 2.3952% | 4,310 |
| Loan and lease loss provision to assets | 0.1304% | 1,910 |
| Net operating income to assets | 1.5010% | 827 |
| Return on assets (ROA) | 1.5060% | 845 |
| Pretax return on assets | 1.5751% | 1,355 |
| Return on Equity (ROE) | 13.3596% | 916 |
| Retained earnings to average equity (ytd only) | 10.4679% | 357 |
| Net charge-offs to loans | 0.0490% | 3,064 |
| Credit loss provision to net charge-offs | 377.3585% | 830 |
| Earnings coverage of net charge-offs (x) | 49.2075% | 1,015 |
| Efficiency ratio | 58.4846% | 4,794 |
| Assets per employee ($millions) | 5.1998% | 2,172 |
| Cash dividends to net income (ytd only)* | 21.6450% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 3,261 |
| Loan loss allowance to noncurrent loans | 45.5229% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.7898% | 825 |
| Noncurrent loans to loans | 2.5859% | 595 |
| Net loans and leases to total assets | 68.4003% | 2,708 |
| Net loans and leases to deposits | 79.9540% | 2,896 |
| Net loans and leases to core deposits | 81.5333% | 3,248 |
| Total domestic deposits to total assets | 85.5495% | 2,810 |
| Equity capital to assets | 11.3350% | 2,302 |
| Core capital (leverage) ratio | 11.4000% | 2,010 |
| Tier 1 risk-based capital ratio | 14.1510% | 3,381 |
| Total risk-based capital ratio | 15.1787% | 3,416 |
| Memoranda: | ||
| Average total assets | $153,389,800 | 3,467 |
| Average earning assets | $142,723,000 | 3,468 |
| Average equity | $17,291,000 | 3,516 |
| Average total loans | $108,244,000 | 3,231 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5798% | 1,333 |
| Cost of funding earning assets | 0.4527% | 2,532 |
| Net interest margin | 4.1271% | 1,318 |
| Noninterest income to average assets | 0.3422% | 4,336 |
| Noninterest expense to average assets | 2.2548% | 4,640 |
| Loan and lease loss provision to assets | 0.1309% | 1,790 |
| Net operating income to assets | 1.7186% | 574 |
| Return on assets (ROA) | 1.7310% | 596 |
| Pretax return on assets | 1.8131% | 876 |
| Return on Equity (ROE) | 15.3777% | 625 |
| Retained earnings to average equity (ytd only) | 11.5003% | 359 |
| Net charge-offs to loans | -0.0049% | 4,615 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8686% | 5,249 |
| Assets per employee ($millions) | 5.0365% | 2,325 |
| Cash dividends to net income (ytd only)* | 25.2144% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 3,244 |
| Loan loss allowance to noncurrent loans | 164.6907% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 3,403 |
| Noncurrent loans to loans | 0.7279% | 2,854 |
| Net loans and leases to total assets | 69.7080% | 2,535 |
| Net loans and leases to deposits | 82.1409% | 2,715 |
| Net loans and leases to core deposits | 83.8289% | 3,142 |
| Total domestic deposits to total assets | 84.8639% | 2,868 |
| Equity capital to assets | 11.8527% | 2,215 |
| Core capital (leverage) ratio | 11.4064% | 2,107 |
| Tier 1 risk-based capital ratio | 14.2282% | 3,443 |
| Total risk-based capital ratio | 15.2870% | 3,463 |
| Memoranda: | ||
| Average total assets | $152,738,500 | 3,490 |
| Average earning assets | $142,243,750 | 3,486 |
| Average equity | $17,193,250 | 3,558 |
| Average total loans | $108,312,000 | 3,245 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 1,324 |
| Cost of funding earning assets | 0.4459% | 2,609 |
| Net interest margin | 4.1271% | 1,305 |
| Noninterest income to average assets | 0.3379% | 4,363 |
| Noninterest expense to average assets | 2.2650% | 4,695 |
| Loan and lease loss provision to assets | 0.1957% | 1,106 |
| Net operating income to assets | 1.6478% | 646 |
| Return on assets (ROA) | 1.6779% | 644 |
| Pretax return on assets | 1.7484% | 981 |
| Return on Equity (ROE) | 15.1699% | 653 |
| Retained earnings to average equity (ytd only) | 12.8106% | 246 |
| Net charge-offs to loans | 0.0037% | 3,578 |
| Credit loss provision to net charge-offs | 7,500.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 733.0000% | 78 |
| Efficiency ratio | 54.2161% | 5,292 |
| Assets per employee ($millions) | 4.9502% | 2,356 |
| Cash dividends to net income (ytd only)* | 15.5521% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 3,370 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 3,483 |
| Noncurrent loans to loans | 0.7492% | 2,868 |
| Net loans and leases to total assets | 68.3180% | 2,738 |
| Net loans and leases to deposits | 80.1067% | 2,919 |
| Net loans and leases to core deposits | 81.5118% | 3,322 |
| Total domestic deposits to total assets | 85.2837% | 2,742 |
| Equity capital to assets | 11.4932% | 2,557 |
| Core capital (leverage) ratio | 11.0755% | 2,356 |
| Tier 1 risk-based capital ratio | 13.9250% | 3,647 |
| Total risk-based capital ratio | 14.9808% | 3,685 |
| Memoranda: | ||
| Average total assets | $153,286,000 | 3,504 |
| Average earning assets | $142,619,670 | 3,503 |
| Average equity | $16,954,670 | 3,595 |
| Average total loans | $108,881,330 | 3,253 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 1,272 |
| Cost of funding earning assets | 0.4592% | 2,473 |
| Net interest margin | 4.1380% | 1,242 |
| Noninterest income to average assets | 0.3290% | 4,375 |
| Noninterest expense to average assets | 2.3969% | 4,382 |
| Loan and lease loss provision to assets | 0.1958% | 1,007 |
| Net operating income to assets | 1.4903% | 876 |
| Return on assets (ROA) | 1.5796% | 769 |
| Pretax return on assets | 1.6658% | 1,140 |
| Return on Equity (ROE) | 14.5665% | 735 |
| Retained earnings to average equity (ytd only) | 14.5665% | 278 |
| Net charge-offs to loans | 0.0036% | 2,996 |
| Credit loss provision to net charge-offs | 7,500.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 677.0000% | 70 |
| Efficiency ratio | 57.5549% | 5,048 |
| Assets per employee ($millions) | 4.9832% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 4,041 |
| Loan loss allowance to noncurrent loans | 120.2811% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 3,063 |
| Noncurrent loans to loans | 0.9151% | 2,564 |
| Net loans and leases to total assets | 72.0037% | 2,040 |
| Net loans and leases to deposits | 84.3854% | 2,265 |
| Net loans and leases to core deposits | 85.9019% | 2,758 |
| Total domestic deposits to total assets | 85.3273% | 2,991 |
| Equity capital to assets | 11.3455% | 2,580 |
| Core capital (leverage) ratio | 10.7447% | 2,675 |
| Tier 1 risk-based capital ratio | 13.3464% | 4,069 |
| Total risk-based capital ratio | 14.3276% | 4,132 |
| Memoranda: | ||
| Average total assets | $153,201,000 | 3,533 |
| Average earning assets | $142,001,500 | 3,527 |
| Average equity | $16,613,500 | 3,644 |
| Average total loans | $110,267,000 | 3,236 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5254% | 1,522 |
| Cost of funding earning assets | 0.4331% | 2,815 |
| Net interest margin | 4.0923% | 1,427 |
| Noninterest income to average assets | 0.7930% | 1,814 |
| Noninterest expense to average assets | 2.4887% | 4,259 |
| Loan and lease loss provision to assets | 0.1307% | 1,830 |
| Net operating income to assets | 1.9230% | 393 |
| Return on assets (ROA) | 1.9441% | 391 |
| Pretax return on assets | 1.9938% | 544 |
| Return on Equity (ROE) | 19.5231% | 274 |
| Retained earnings to average equity (ytd only) | 14.1402% | 159 |
| Net charge-offs to loans | 0.1383% | 1,965 |
| Credit loss provision to net charge-offs | 137.9310% | 1,899 |
| Earnings coverage of net charge-offs (x) | 22.1862% | 1,783 |
| Efficiency ratio | 54.1999% | 5,509 |
| Assets per employee ($millions) | 5.2302% | 2,085 |
| Cash dividends to net income (ytd only)* | 27.5723% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 4,564 |
| Loan loss allowance to noncurrent loans | 133.1754% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 3,488 |
| Noncurrent loans to loans | 0.7556% | 2,915 |
| Net loans and leases to total assets | 70.4685% | 2,297 |
| Net loans and leases to deposits | 86.6516% | 2,043 |
| Net loans and leases to core deposits | 87.8565% | 2,615 |
| Total domestic deposits to total assets | 81.3240% | 4,394 |
| Equity capital to assets | 10.3667% | 3,546 |
| Core capital (leverage) ratio | 10.2527% | 3,200 |
| Tier 1 risk-based capital ratio | 12.3783% | 4,713 |
| Total risk-based capital ratio | 13.2650% | 4,838 |
| Memoranda: | ||
| Average total assets | $152,972,400 | 3,528 |
| Average earning assets | $141,998,800 | 3,515 |
| Average equity | $15,233,200 | 3,802 |
| Average total loans | $104,843,000 | 3,305 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5458% | 1,469 |
| Cost of funding earning assets | 0.4273% | 2,938 |
| Net interest margin | 4.1185% | 1,361 |
| Noninterest income to average assets | 0.9544% | 1,304 |
| Noninterest expense to average assets | 2.3212% | 4,730 |
| Loan and lease loss provision to assets | 0.1316% | 1,710 |
| Net operating income to assets | 2.2513% | 233 |
| Return on assets (ROA) | 2.2615% | 241 |
| Pretax return on assets | 2.3422% | 320 |
| Return on Equity (ROE) | 22.9533% | 164 |
| Retained earnings to average equity (ytd only) | 15.6524% | 143 |
| Net charge-offs to loans | 0.0220% | 3,493 |
| Credit loss provision to net charge-offs | 882.3529% | 410 |
| Earnings coverage of net charge-offs (x) | 165.1482% | 428 |
| Efficiency ratio | 48.5149% | 5,849 |
| Assets per employee ($millions) | 4.9937% | 2,304 |
| Cash dividends to net income (ytd only)* | 31.8077% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 3,997 |
| Loan loss allowance to noncurrent loans | 110.9880% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.7229% | 3,096 |
| Noncurrent loans to loans | 1.0275% | 2,425 |
| Net loans and leases to total assets | 69.5525% | 2,455 |
| Net loans and leases to deposits | 85.3648% | 2,228 |
| Net loans and leases to core deposits | 86.6036% | 2,790 |
| Total domestic deposits to total assets | 81.4768% | 4,336 |
| Equity capital to assets | 10.6567% | 3,401 |
| Core capital (leverage) ratio | 10.2154% | 3,355 |
| Tier 1 risk-based capital ratio | 12.7999% | 4,551 |
| Total risk-based capital ratio | 13.8058% | 4,620 |
| Memoranda: | ||
| Average total assets | $151,988,750 | 3,570 |
| Average earning assets | $141,343,500 | 3,557 |
| Average equity | $14,975,000 | 3,880 |
| Average total loans | $103,130,250 | 3,359 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 1,371 |
| Cost of funding earning assets | 0.4311% | 2,924 |
| Net interest margin | 4.1311% | 1,272 |
| Noninterest income to average assets | 0.3366% | 4,550 |
| Noninterest expense to average assets | 2.2604% | 4,948 |
| Loan and lease loss provision to assets | 0.1310% | 1,686 |
| Net operating income to assets | 1.6898% | 637 |
| Return on assets (ROA) | 1.7209% | 631 |
| Pretax return on assets | 1.8060% | 887 |
| Return on Equity (ROE) | 17.9447% | 414 |
| Retained earnings to average equity (ytd only) | 11.4578% | 448 |
| Net charge-offs to loans | 0.0117% | 3,501 |
| Credit loss provision to net charge-offs | 1,666.6667% | 220 |
| Earnings coverage of net charge-offs (x) | 242.3333% | 289 |
| Efficiency ratio | 54.2767% | 5,559 |
| Assets per employee ($millions) | 5.0584% | 2,199 |
| Cash dividends to net income (ytd only)* | 36.1492% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 4,220 |
| Loan loss allowance to noncurrent loans | 106.8934% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 3,242 |
| Noncurrent loans to loans | 1.0491% | 2,544 |
| Net loans and leases to total assets | 67.5760% | 2,702 |
| Net loans and leases to deposits | 82.3910% | 2,512 |
| Net loans and leases to core deposits | 83.6867% | 3,013 |
| Total domestic deposits to total assets | 82.0187% | 4,290 |
| Equity capital to assets | 9.7659% | 4,321 |
| Core capital (leverage) ratio | 9.4529% | 4,335 |
| Tier 1 risk-based capital ratio | 12.1014% | 5,076 |
| Total risk-based capital ratio | 13.0804% | 5,159 |
| Memoranda: | ||
| Average total assets | $152,714,330 | 3,586 |
| Average earning assets | $141,512,330 | 3,576 |
| Average equity | $14,645,000 | 3,942 |
| Average total loans | $102,373,670 | 3,393 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 1,675 |
| Cost of funding earning assets | 0.4214% | 3,053 |
| Net interest margin | 4.0035% | 1,541 |
| Noninterest income to average assets | 0.3185% | 4,640 |
| Noninterest expense to average assets | 2.3238% | 4,814 |
| Loan and lease loss provision to assets | 0.1306% | 1,587 |
| Net operating income to assets | 1.5008% | 847 |
| Return on assets (ROA) | 1.4909% | 918 |
| Pretax return on assets | 1.5745% | 1,335 |
| Return on Equity (ROE) | 15.6895% | 604 |
| Retained earnings to average equity (ytd only) | 15.6895% | 233 |
| Net charge-offs to loans | 0.0197% | 2,761 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 131.4000% | 398 |
| Efficiency ratio | 57.5307% | 5,391 |
| Assets per employee ($millions) | 5.1036% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 4,564 |
| Loan loss allowance to noncurrent loans | 89.4779% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.8132% | 3,068 |
| Noncurrent loans to loans | 1.2193% | 2,336 |
| Net loans and leases to total assets | 65.9632% | 2,781 |
| Net loans and leases to deposits | 78.9838% | 2,683 |
| Net loans and leases to core deposits | 80.1885% | 3,134 |
| Total domestic deposits to total assets | 83.5149% | 4,003 |
| Equity capital to assets | 9.7826% | 4,406 |
| Core capital (leverage) ratio | 9.2536% | 4,643 |
| Tier 1 risk-based capital ratio | 11.9043% | 5,304 |
| Total risk-based capital ratio | 12.8443% | 5,416 |
| Memoranda: | ||
| Average total assets | $153,195,500 | 3,604 |
| Average earning assets | $142,376,500 | 3,588 |
| Average equity | $14,557,500 | 3,985 |
| Average total loans | $101,705,000 | 3,421 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 2,225 |
| Cost of funding earning assets | 0.4550% | 3,121 |
| Net interest margin | 3.9441% | 2,073 |
| Noninterest income to average assets | 0.3600% | 4,523 |
| Noninterest expense to average assets | 2.7152% | 3,811 |
| Loan and lease loss provision to assets | 0.1019% | 2,453 |
| Net operating income to assets | 1.1746% | 1,658 |
| Return on assets (ROA) | 1.1810% | 1,712 |
| Pretax return on assets | 1.2469% | 2,458 |
| Return on Equity (ROE) | 13.0821% | 1,117 |
| Retained earnings to average equity (ytd only) | 8.0042% | 1,015 |
| Net charge-offs to loans | -0.0098% | 5,555 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9233% | 4,073 |
| Assets per employee ($millions) | 4.9446% | 2,393 |
| Cash dividends to net income (ytd only)* | 38.8154% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 4,787 |
| Loan loss allowance to noncurrent loans | 76.2482% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 0.9146% | 2,929 |
| Noncurrent loans to loans | 1.3840% | 2,116 |
| Net loans and leases to total assets | 65.3902% | 2,992 |
| Net loans and leases to deposits | 76.8203% | 3,107 |
| Net loans and leases to core deposits | 77.9670% | 3,523 |
| Total domestic deposits to total assets | 85.1210% | 3,238 |
| Equity capital to assets | 9.2228% | 5,039 |
| Core capital (leverage) ratio | 8.9908% | 5,016 |
| Tier 1 risk-based capital ratio | 11.8364% | 5,470 |
| Total risk-based capital ratio | 12.7711% | 5,570 |
| Memoranda: | ||
| Average total assets | $147,242,600 | 3,675 |
| Average earning assets | $138,027,400 | 3,628 |
| Average equity | $13,293,000 | 4,135 |
| Average total loans | $91,677,400 | 3,596 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 2,210 |
| Cost of funding earning assets | 0.4598% | 3,151 |
| Net interest margin | 3.9431% | 2,064 |
| Noninterest income to average assets | 0.3650% | 4,507 |
| Noninterest expense to average assets | 2.5141% | 4,482 |
| Loan and lease loss provision to assets | 0.1372% | 1,822 |
| Net operating income to assets | 1.3461% | 1,257 |
| Return on assets (ROA) | 1.2992% | 1,431 |
| Pretax return on assets | 1.3678% | 2,126 |
| Return on Equity (ROE) | 14.4725% | 902 |
| Retained earnings to average equity (ytd only) | 7.5930% | 1,538 |
| Net charge-offs to loans | -0.0105% | 5,438 |
| Credit loss provision to net charge-offs | -2,142.8571% | 5,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7945% | 4,914 |
| Assets per employee ($millions) | 4.7215% | 2,632 |
| Cash dividends to net income (ytd only)* | 47.5352% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 4,401 |
| Loan loss allowance to noncurrent loans | 86.8893% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8390% | 3,318 |
| Noncurrent loans to loans | 1.3423% | 2,399 |
| Net loans and leases to total assets | 61.7757% | 3,518 |
| Net loans and leases to deposits | 75.0513% | 3,305 |
| Net loans and leases to core deposits | 76.2641% | 3,709 |
| Total domestic deposits to total assets | 82.3113% | 4,372 |
| Equity capital to assets | 9.3848% | 4,942 |
| Core capital (leverage) ratio | 9.1648% | 4,827 |
| Tier 1 risk-based capital ratio | 12.5384% | 5,146 |
| Total risk-based capital ratio | 13.5506% | 5,224 |
| Memoranda: | ||
| Average total assets | $145,732,500 | 3,731 |
| Average earning assets | $136,878,250 | 3,677 |
| Average equity | $13,082,000 | 4,204 |
| Average total loans | $89,271,500 | 3,677 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4070% | 2,155 |
| Cost of funding earning assets | 0.4604% | 3,211 |
| Net interest margin | 3.9466% | 1,986 |
| Noninterest income to average assets | 0.3642% | 4,517 |
| Noninterest expense to average assets | 2.4821% | 4,639 |
| Loan and lease loss provision to assets | 0.1374% | 1,801 |
| Net operating income to assets | 1.3806% | 1,108 |
| Return on assets (ROA) | 1.3414% | 1,245 |
| Pretax return on assets | 1.4142% | 1,847 |
| Return on Equity (ROE) | 15.1741% | 768 |
| Retained earnings to average equity (ytd only) | 12.4534% | 380 |
| Net charge-offs to loans | 0.0136% | 3,967 |
| Credit loss provision to net charge-offs | 1,666.6667% | 224 |
| Earnings coverage of net charge-offs (x) | 193.1667% | 333 |
| Efficiency ratio | 60.9106% | 5,155 |
| Assets per employee ($millions) | 4.6749% | 2,658 |
| Cash dividends to net income (ytd only)* | 17.9303% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 4,769 |
| Loan loss allowance to noncurrent loans | 80.6426% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 3,393 |
| Noncurrent loans to loans | 1.4010% | 2,458 |
| Net loans and leases to total assets | 60.6264% | 3,611 |
| Net loans and leases to deposits | 69.4092% | 3,898 |
| Net loans and leases to core deposits | 70.2933% | 4,238 |
| Total domestic deposits to total assets | 87.3463% | 2,279 |
| Equity capital to assets | 9.3926% | 4,849 |
| Core capital (leverage) ratio | 9.2754% | 4,632 |
| Tier 1 risk-based capital ratio | 12.9023% | 4,973 |
| Total risk-based capital ratio | 13.8782% | 5,076 |
| Memoranda: | ||
| Average total assets | $145,521,670 | 3,753 |
| Average earning assets | $136,828,000 | 3,694 |
| Average equity | $12,864,000 | 4,248 |
| Average total loans | $88,533,670 | 3,705 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4363% | 2,006 |
| Cost of funding earning assets | 0.4705% | 3,225 |
| Net interest margin | 3.9658% | 1,870 |
| Noninterest income to average assets | 0.3429% | 4,632 |
| Noninterest expense to average assets | 2.5511% | 4,443 |
| Loan and lease loss provision to assets | 0.1372% | 1,768 |
| Net operating income to assets | 1.2952% | 1,232 |
| Return on assets (ROA) | 1.2591% | 1,377 |
| Pretax return on assets | 1.3386% | 1,964 |
| Return on Equity (ROE) | 14.6998% | 822 |
| Retained earnings to average equity (ytd only) | 14.6998% | 345 |
| Net charge-offs to loans | 0.0226% | 3,121 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 110.4000% | 425 |
| Efficiency ratio | 62.7530% | 5,029 |
| Assets per employee ($millions) | 4.5514% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 5,151 |
| Loan loss allowance to noncurrent loans | 88.9199% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 3,836 |
| Noncurrent loans to loans | 1.2288% | 2,993 |
| Net loans and leases to total assets | 61.2692% | 3,349 |
| Net loans and leases to deposits | 70.0177% | 3,598 |
| Net loans and leases to core deposits | 71.0741% | 3,975 |
| Total domestic deposits to total assets | 87.5053% | 2,506 |
| Equity capital to assets | 9.1798% | 4,893 |
| Core capital (leverage) ratio | 8.8535% | 5,195 |
| Tier 1 risk-based capital ratio | 12.7558% | 5,157 |
| Total risk-based capital ratio | 13.6978% | 5,283 |
| Memoranda: | ||
| Average total assets | $145,821,500 | 3,768 |
| Average earning assets | $136,871,500 | 3,716 |
| Average equity | $12,490,000 | 4,348 |
| Average total loans | $88,368,000 | 3,741 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 2,365 |
| Cost of funding earning assets | 0.5025% | 3,584 |
| Net interest margin | 3.9551% | 2,088 |
| Noninterest income to average assets | 0.4154% | 4,337 |
| Noninterest expense to average assets | 2.6299% | 4,357 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4067% | 1,010 |
| Return on assets (ROA) | 1.2938% | 1,319 |
| Pretax return on assets | 1.3695% | 1,903 |
| Return on Equity (ROE) | 15.2162% | 723 |
| Retained earnings to average equity (ytd only) | 6.3929% | 1,747 |
| Net charge-offs to loans | 0.0656% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 910 |
| Efficiency ratio | 63.8411% | 4,927 |
| Assets per employee ($millions) | 4.5622% | 2,797 |
| Cash dividends to net income (ytd only)* | 57.9863% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 5,470 |
| Loan loss allowance to noncurrent loans | 80.6023% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 4,010 |
| Noncurrent loans to loans | 1.2638% | 3,017 |
| Net loans and leases to total assets | 58.7342% | 3,915 |
| Net loans and leases to deposits | 70.6473% | 3,710 |
| Net loans and leases to core deposits | 71.6973% | 4,109 |
| Total domestic deposits to total assets | 83.1373% | 4,497 |
| Equity capital to assets | 7.9893% | 6,025 |
| Core capital (leverage) ratio | 8.5544% | 5,605 |
| Tier 1 risk-based capital ratio | 11.7828% | 5,756 |
| Total risk-based capital ratio | 12.6425% | 5,905 |
| Memoranda: | ||
| Average total assets | $146,619,000 | 3,756 |
| Average earning assets | $137,315,800 | 3,704 |
| Average equity | $12,467,000 | 4,364 |
| Average total loans | $79,245,000 | 3,960 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 2,287 |
| Cost of funding earning assets | 0.5134% | 3,635 |
| Net interest margin | 3.9715% | 2,038 |
| Noninterest income to average assets | 0.3918% | 4,595 |
| Noninterest expense to average assets | 2.5057% | 4,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5349% | 841 |
| Return on assets (ROA) | 1.4163% | 1,118 |
| Pretax return on assets | 1.4804% | 1,665 |
| Return on Equity (ROE) | 16.4003% | 594 |
| Retained earnings to average equity (ytd only) | 4.7388% | 3,281 |
| Net charge-offs to loans | 0.0122% | 4,899 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 250.3687% | 234 |
| Efficiency ratio | 60.9713% | 5,288 |
| Assets per employee ($millions) | 4.3142% | 3,199 |
| Cash dividends to net income (ytd only)* | 71.1052% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 4,993 |
| Loan loss allowance to noncurrent loans | 85.7271% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 4,149 |
| Noncurrent loans to loans | 1.3697% | 3,127 |
| Net loans and leases to total assets | 56.4579% | 4,255 |
| Net loans and leases to deposits | 67.5145% | 4,117 |
| Net loans and leases to core deposits | 68.5679% | 4,478 |
| Total domestic deposits to total assets | 83.6234% | 4,338 |
| Equity capital to assets | 8.2610% | 5,944 |
| Core capital (leverage) ratio | 8.4063% | 5,856 |
| Tier 1 risk-based capital ratio | 12.3873% | 5,525 |
| Total risk-based capital ratio | 13.3632% | 5,646 |
| Memoranda: | ||
| Average total assets | $145,636,000 | 3,820 |
| Average earning assets | $136,333,250 | 3,755 |
| Average equity | $12,576,750 | 4,385 |
| Average total loans | $76,722,500 | 4,068 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 2,374 |
| Cost of funding earning assets | 0.5194% | 3,705 |
| Net interest margin | 3.9329% | 2,099 |
| Noninterest income to average assets | 0.3898% | 4,596 |
| Noninterest expense to average assets | 2.4549% | 4,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5250% | 861 |
| Return on assets (ROA) | 1.4353% | 1,097 |
| Pretax return on assets | 1.5239% | 1,551 |
| Return on Equity (ROE) | 16.3908% | 620 |
| Retained earnings to average equity (ytd only) | 8.6079% | 1,255 |
| Net charge-offs to loans | 0.0186% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 169.7143% | 293 |
| Efficiency ratio | 60.2543% | 5,451 |
| Assets per employee ($millions) | 4.4720% | 2,859 |
| Cash dividends to net income (ytd only)* | 47.4834% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 4,776 |
| Loan loss allowance to noncurrent loans | 86.9763% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 4,299 |
| Noncurrent loans to loans | 1.4276% | 3,156 |
| Net loans and leases to total assets | 53.0771% | 4,723 |
| Net loans and leases to deposits | 61.4844% | 4,804 |
| Net loans and leases to core deposits | 62.1408% | 5,082 |
| Total domestic deposits to total assets | 86.3261% | 3,190 |
| Equity capital to assets | 8.2017% | 6,055 |
| Core capital (leverage) ratio | 8.3842% | 5,784 |
| Tier 1 risk-based capital ratio | 13.0847% | 5,081 |
| Total risk-based capital ratio | 14.1066% | 5,182 |
| Memoranda: | ||
| Average total assets | $146,725,330 | 3,824 |
| Average earning assets | $137,454,670 | 3,766 |
| Average equity | $12,848,670 | 4,365 |
| Average total loans | $75,185,670 | 4,129 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 2,623 |
| Cost of funding earning assets | 0.5296% | 3,783 |
| Net interest margin | 3.8397% | 2,322 |
| Noninterest income to average assets | 0.3689% | 4,718 |
| Noninterest expense to average assets | 2.5125% | 4,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3464% | 1,158 |
| Return on assets (ROA) | 1.2738% | 1,445 |
| Pretax return on assets | 1.3707% | 1,963 |
| Return on Equity (ROE) | 14.1147% | 943 |
| Retained earnings to average equity (ytd only) | 14.1147% | 436 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4262% | 5,090 |
| Assets per employee ($millions) | 4.6873% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 4,616 |
| Loan loss allowance to noncurrent loans | 105.9471% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8080% | 4,347 |
| Noncurrent loans to loans | 1.2419% | 3,702 |
| Net loans and leases to total assets | 49.6559% | 5,036 |
| Net loans and leases to deposits | 56.6964% | 5,172 |
| Net loans and leases to core deposits | 57.2843% | 5,405 |
| Total domestic deposits to total assets | 87.5821% | 2,583 |
| Equity capital to assets | 9.2894% | 5,147 |
| Core capital (leverage) ratio | 8.2743% | 5,853 |
| Tier 1 risk-based capital ratio | 13.4130% | 4,929 |
| Total risk-based capital ratio | 14.4751% | 5,010 |
| Memoranda: | ||
| Average total assets | $148,535,500 | 3,838 |
| Average earning assets | $138,970,000 | 3,778 |
| Average equity | $13,404,500 | 4,307 |
| Average total loans | $74,323,000 | 4,192 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8577% | 1,996 |
| Cost of funding earning assets | 0.7960% | 2,697 |
| Net interest margin | 4.0617% | 2,147 |
| Noninterest income to average assets | 0.2433% | 5,711 |
| Noninterest expense to average assets | 2.7312% | 4,284 |
| Loan and lease loss provision to assets | 0.1431% | 3,816 |
| Net operating income to assets | 1.0940% | 1,957 |
| Return on assets (ROA) | 1.1191% | 2,041 |
| Pretax return on assets | 1.1778% | 2,875 |
| Return on Equity (ROE) | 12.2653% | 1,425 |
| Retained earnings to average equity (ytd only) | 7.5600% | 1,306 |
| Net charge-offs to loans | 0.3517% | 2,875 |
| Credit loss provision to net charge-offs | 74.3494% | 4,031 |
| Earnings coverage of net charge-offs (x) | 6.7249% | 2,760 |
| Efficiency ratio | 67.8457% | 4,176 |
| Assets per employee ($millions) | 4.5989% | 2,786 |
| Cash dividends to net income (ytd only)* | 38.3632% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 4,762 |
| Loan loss allowance to noncurrent loans | 105.1366% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.7782% | 4,512 |
| Noncurrent loans to loans | 1.2114% | 3,827 |
| Net loans and leases to total assets | 49.1345% | 5,286 |
| Net loans and leases to deposits | 56.1535% | 5,432 |
| Net loans and leases to core deposits | 56.7108% | 5,660 |
| Total domestic deposits to total assets | 87.5004% | 2,526 |
| Equity capital to assets | 8.7708% | 5,770 |
| Core capital (leverage) ratio | 7.9764% | 6,220 |
| Tier 1 risk-based capital ratio | 12.4844% | 5,489 |
| Total risk-based capital ratio | 13.5131% | 5,580 |
| Memoranda: | ||
| Average total assets | $139,754,600 | 3,958 |
| Average earning assets | $130,143,000 | 3,889 |
| Average equity | $12,751,400 | 4,410 |
| Average total loans | $76,486,200 | 4,137 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0210% | 1,639 |
| Cost of funding earning assets | 0.8600% | 2,461 |
| Net interest margin | 4.1609% | 1,861 |
| Noninterest income to average assets | 0.1599% | 6,340 |
| Noninterest expense to average assets | 2.6666% | 4,512 |
| Loan and lease loss provision to assets | 0.1950% | 3,137 |
| Net operating income to assets | 1.1196% | 2,025 |
| Return on assets (ROA) | 1.1982% | 1,922 |
| Pretax return on assets | 1.2528% | 2,780 |
| Return on Equity (ROE) | 12.9931% | 1,341 |
| Retained earnings to average equity (ytd only) | 6.6499% | 2,304 |
| Net charge-offs to loans | 0.4727% | 2,204 |
| Credit loss provision to net charge-offs | 73.5294% | 3,806 |
| Earnings coverage of net charge-offs (x) | 5.1507% | 3,097 |
| Efficiency ratio | 66.1267% | 4,430 |
| Assets per employee ($millions) | 4.1284% | 3,627 |
| Cash dividends to net income (ytd only)* | 48.8201% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 4,784 |
| Loan loss allowance to noncurrent loans | 113.6256% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.0790% | 4,137 |
| Noncurrent loans to loans | 1.1504% | 4,139 |
| Net loans and leases to total assets | 53.1474% | 4,885 |
| Net loans and leases to deposits | 61.1241% | 5,069 |
| Net loans and leases to core deposits | 61.9615% | 5,367 |
| Total domestic deposits to total assets | 86.9500% | 2,698 |
| Equity capital to assets | 9.7623% | 4,830 |
| Core capital (leverage) ratio | 8.4228% | 5,871 |
| Tier 1 risk-based capital ratio | 12.7448% | 5,448 |
| Total risk-based capital ratio | 13.8226% | 5,544 |
| Memoranda: | ||
| Average total assets | $136,752,000 | 4,046 |
| Average earning assets | $127,276,500 | 3,992 |
| Average equity | $12,611,500 | 4,477 |
| Average total loans | $76,725,000 | 4,176 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1235% | 1,444 |
| Cost of funding earning assets | 0.8949% | 2,441 |
| Net interest margin | 4.2286% | 1,670 |
| Noninterest income to average assets | 0.1431% | 6,479 |
| Noninterest expense to average assets | 2.6657% | 4,555 |
| Loan and lease loss provision to assets | 0.2921% | 2,244 |
| Net operating income to assets | 1.0710% | 2,160 |
| Return on assets (ROA) | 1.2167% | 1,849 |
| Pretax return on assets | 1.2795% | 2,632 |
| Return on Equity (ROE) | 13.4550% | 1,244 |
| Retained earnings to average equity (ytd only) | 8.6093% | 1,410 |
| Net charge-offs to loans | 0.2287% | 3,205 |
| Credit loss provision to net charge-offs | 224.7191% | 1,267 |
| Earnings coverage of net charge-offs (x) | 10.9101% | 2,009 |
| Efficiency ratio | 65.2718% | 4,672 |
| Assets per employee ($millions) | 4.1768% | 3,504 |
| Cash dividends to net income (ytd only)* | 36.0144% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 3,848 |
| Loan loss allowance to noncurrent loans | 118.3420% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.4031% | 3,620 |
| Noncurrent loans to loans | 1.2971% | 3,981 |
| Net loans and leases to total assets | 53.1454% | 4,940 |
| Net loans and leases to deposits | 61.5577% | 5,063 |
| Net loans and leases to core deposits | 62.3971% | 5,355 |
| Total domestic deposits to total assets | 86.3344% | 3,175 |
| Equity capital to assets | 9.3264% | 5,286 |
| Core capital (leverage) ratio | 8.1969% | 6,057 |
| Tier 1 risk-based capital ratio | 12.4253% | 5,631 |
| Total risk-based capital ratio | 13.6751% | 5,602 |
| Memoranda: | ||
| Average total assets | $136,923,330 | 4,056 |
| Average earning assets | $127,607,670 | 4,004 |
| Average equity | $12,382,000 | 4,530 |
| Average total loans | $77,844,670 | 4,157 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2096% | 1,297 |
| Cost of funding earning assets | 0.9603% | 2,232 |
| Net interest margin | 4.2493% | 1,609 |
| Noninterest income to average assets | 0.2081% | 6,136 |
| Noninterest expense to average assets | 2.7318% | 4,311 |
| Loan and lease loss provision to assets | 0.2931% | 2,125 |
| Net operating income to assets | 1.0867% | 2,150 |
| Return on assets (ROA) | 1.3512% | 1,472 |
| Pretax return on assets | 1.4333% | 2,077 |
| Return on Equity (ROE) | 15.1826% | 940 |
| Retained earnings to average equity (ytd only) | 15.1826% | 438 |
| Net charge-offs to loans | -0.0603% | 6,609 |
| Credit loss provision to net charge-offs | -833.3333% | 5,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4035% | 4,669 |
| Assets per employee ($millions) | 4.0678% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 4,302 |
| Loan loss allowance to noncurrent loans | 77.2297% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.6083% | 3,436 |
| Noncurrent loans to loans | 1.9004% | 3,283 |
| Net loans and leases to total assets | 57.1641% | 4,192 |
| Net loans and leases to deposits | 65.3601% | 4,452 |
| Net loans and leases to core deposits | 66.2603% | 4,886 |
| Total domestic deposits to total assets | 87.4603% | 2,680 |
| Equity capital to assets | 9.2686% | 5,133 |
| Core capital (leverage) ratio | 8.3221% | 5,842 |
| Tier 1 risk-based capital ratio | 11.9868% | 5,969 |
| Total risk-based capital ratio | 13.2130% | 5,980 |
| Memoranda: | ||
| Average total assets | $136,467,500 | 4,101 |
| Average earning assets | $127,456,000 | 4,032 |
| Average equity | $12,145,500 | 4,579 |
| Average total loans | $79,569,500 | 4,136 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4738% | 1,229 |
| Cost of funding earning assets | 1.2690% | 1,639 |
| Net interest margin | 4.2048% | 2,040 |
| Noninterest income to average assets | 0.3330% | 5,155 |
| Noninterest expense to average assets | 2.8807% | 4,041 |
| Loan and lease loss provision to assets | 0.4047% | 2,570 |
| Net operating income to assets | 0.9120% | 2,549 |
| Return on assets (ROA) | 0.9605% | 2,490 |
| Pretax return on assets | 1.0199% | 3,167 |
| Return on Equity (ROE) | 11.7306% | 1,485 |
| Retained earnings to average equity (ytd only) | 7.0233% | 1,494 |
| Net charge-offs to loans | 0.6302% | 2,571 |
| Credit loss provision to net charge-offs | 103.5503% | 3,337 |
| Earnings coverage of net charge-offs (x) | 3.5128% | 3,486 |
| Efficiency ratio | 67.7238% | 4,415 |
| Assets per employee ($millions) | 4.2029% | 3,462 |
| Cash dividends to net income (ytd only)* | 40.1284% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 5,072 |
| Loan loss allowance to noncurrent loans | 65.4603% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.7614% | 3,310 |
| Noncurrent loans to loans | 1.9382% | 3,287 |
| Net loans and leases to total assets | 57.8448% | 4,395 |
| Net loans and leases to deposits | 65.9751% | 4,733 |
| Net loans and leases to core deposits | 67.1024% | 5,150 |
| Total domestic deposits to total assets | 87.6767% | 2,350 |
| Equity capital to assets | 8.5431% | 6,082 |
| Core capital (leverage) ratio | 7.8410% | 6,408 |
| Tier 1 risk-based capital ratio | 11.0147% | 6,450 |
| Total risk-based capital ratio | 12.0748% | 6,530 |
| Memoranda: | ||
| Average total assets | $129,724,000 | 4,176 |
| Average earning assets | $120,958,400 | 4,115 |
| Average equity | $10,621,800 | 4,881 |
| Average total loans | $80,451,200 | 4,129 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5943% | 1,041 |
| Cost of funding earning assets | 1.3413% | 1,496 |
| Net interest margin | 4.2530% | 1,901 |
| Noninterest income to average assets | 0.4225% | 4,495 |
| Noninterest expense to average assets | 2.8072% | 4,316 |
| Loan and lease loss provision to assets | 0.4184% | 2,374 |
| Net operating income to assets | 1.1055% | 1,944 |
| Return on assets (ROA) | 1.1850% | 1,813 |
| Pretax return on assets | 1.2436% | 2,475 |
| Return on Equity (ROE) | 14.6450% | 909 |
| Retained earnings to average equity (ytd only) | 8.1821% | 1,435 |
| Net charge-offs to loans | 0.7643% | 2,036 |
| Credit loss provision to net charge-offs | 86.9565% | 3,889 |
| Earnings coverage of net charge-offs (x) | 3.2804% | 3,508 |
| Efficiency ratio | 64.0114% | 5,068 |
| Assets per employee ($millions) | 4.5218% | 2,877 |
| Cash dividends to net income (ytd only)* | 44.1306% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 5,431 |
| Loan loss allowance to noncurrent loans | 54.1170% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 1.9599% | 3,194 |
| Noncurrent loans to loans | 2.2313% | 3,074 |
| Net loans and leases to total assets | 59.4596% | 4,240 |
| Net loans and leases to deposits | 67.7829% | 4,650 |
| Net loans and leases to core deposits | 68.8525% | 5,080 |
| Total domestic deposits to total assets | 87.7207% | 2,219 |
| Equity capital to assets | 8.8957% | 5,865 |
| Core capital (leverage) ratio | 8.1482% | 6,204 |
| Tier 1 risk-based capital ratio | 11.3202% | 6,347 |
| Total risk-based capital ratio | 12.3382% | 6,471 |
| Memoranda: | ||
| Average total assets | $127,480,750 | 4,241 |
| Average earning assets | $118,785,000 | 4,186 |
| Average equity | $10,315,000 | 4,957 |
| Average total loans | $80,249,000 | 4,162 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6534% | 956 |
| Cost of funding earning assets | 1.3746% | 1,532 |
| Net interest margin | 4.2787% | 1,739 |
| Noninterest income to average assets | 0.4213% | 4,502 |
| Noninterest expense to average assets | 2.8353% | 4,288 |
| Loan and lease loss provision to assets | 0.3960% | 2,435 |
| Net operating income to assets | 1.1082% | 1,847 |
| Return on assets (ROA) | 1.1230% | 1,892 |
| Pretax return on assets | 1.1896% | 2,524 |
| Return on Equity (ROE) | 14.3740% | 901 |
| Retained earnings to average equity (ytd only) | 9.5084% | 957 |
| Net charge-offs to loans | 0.0694% | 4,946 |
| Credit loss provision to net charge-offs | 892.8571% | 358 |
| Earnings coverage of net charge-offs (x) | 35.3929% | 813 |
| Efficiency ratio | 64.3653% | 5,170 |
| Assets per employee ($millions) | 4.1186% | 3,520 |
| Cash dividends to net income (ytd only)* | 33.8505% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 3,752 |
| Loan loss allowance to noncurrent loans | 58.5586% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.2854% | 2,872 |
| Noncurrent loans to loans | 2.7074% | 2,686 |
| Net loans and leases to total assets | 60.0432% | 4,263 |
| Net loans and leases to deposits | 68.6769% | 4,606 |
| Net loans and leases to core deposits | 69.6940% | 5,108 |
| Total domestic deposits to total assets | 87.4285% | 2,502 |
| Equity capital to assets | 8.5003% | 6,184 |
| Core capital (leverage) ratio | 8.2235% | 5,994 |
| Tier 1 risk-based capital ratio | 11.4864% | 6,175 |
| Total risk-based capital ratio | 12.7381% | 6,164 |
| Memoranda: | ||
| Average total assets | $126,264,000 | 4,298 |
| Average earning assets | $117,558,000 | 4,242 |
| Average equity | $9,865,000 | 5,084 |
| Average total loans | $80,691,000 | 4,187 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7724% | 776 |
| Cost of funding earning assets | 1.4199% | 1,510 |
| Net interest margin | 4.3524% | 1,419 |
| Noninterest income to average assets | 0.3664% | 4,980 |
| Noninterest expense to average assets | 2.8609% | 4,227 |
| Loan and lease loss provision to assets | 0.3982% | 2,204 |
| Net operating income to assets | 1.0741% | 1,934 |
| Return on assets (ROA) | 1.0800% | 1,961 |
| Pretax return on assets | 1.1564% | 2,528 |
| Return on Equity (ROE) | 14.4702% | 911 |
| Retained earnings to average equity (ytd only) | 14.4702% | 437 |
| Net charge-offs to loans | 0.1559% | 3,551 |
| Credit loss provision to net charge-offs | 390.6250% | 855 |
| Earnings coverage of net charge-offs (x) | 15.1875% | 1,334 |
| Efficiency ratio | 64.8844% | 5,206 |
| Assets per employee ($millions) | 4.4608% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 4,784 |
| Loan loss allowance to noncurrent loans | 73.7825% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.8478% | 3,497 |
| Noncurrent loans to loans | 1.8639% | 3,740 |
| Net loans and leases to total assets | 63.5021% | 3,542 |
| Net loans and leases to deposits | 72.0956% | 4,062 |
| Net loans and leases to core deposits | 73.0713% | 4,640 |
| Total domestic deposits to total assets | 88.0804% | 2,332 |
| Equity capital to assets | 7.7660% | 6,702 |
| Core capital (leverage) ratio | 8.3101% | 5,790 |
| Tier 1 risk-based capital ratio | 11.0708% | 6,458 |
| Total risk-based capital ratio | 12.2591% | 6,486 |
| Memoranda: | ||
| Average total assets | $125,557,000 | 4,347 |
| Average earning assets | $116,624,500 | 4,284 |
| Average equity | $9,371,000 | 5,214 |
| Average total loans | $82,088,000 | 4,192 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1953% | 568 |
| Cost of funding earning assets | 1.8221% | 1,089 |
| Net interest margin | 4.3731% | 1,577 |
| Noninterest income to average assets | 0.2505% | 6,005 |
| Noninterest expense to average assets | 2.9360% | 4,082 |
| Loan and lease loss provision to assets | 0.4754% | 3,283 |
| Net operating income to assets | 0.8321% | 2,661 |
| Return on assets (ROA) | 0.8971% | 2,532 |
| Pretax return on assets | 0.9244% | 3,178 |
| Return on Equity (ROE) | 11.4613% | 1,466 |
| Retained earnings to average equity (ytd only) | 8.6620% | 795 |
| Net charge-offs to loans | 0.4192% | 3,943 |
| Credit loss provision to net charge-offs | 161.0644% | 2,165 |
| Earnings coverage of net charge-offs (x) | 4.5154% | 2,894 |
| Efficiency ratio | 68.7778% | 4,409 |
| Assets per employee ($millions) | 4.3521% | 3,108 |
| Cash dividends to net income (ytd only)* | 24.4240% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 5,459 |
| Loan loss allowance to noncurrent loans | 106.9694% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 1.3913% | 4,256 |
| Noncurrent loans to loans | 1.1307% | 4,850 |
| Net loans and leases to total assets | 65.5577% | 3,551 |
| Net loans and leases to deposits | 74.8828% | 4,047 |
| Net loans and leases to core deposits | 76.1306% | 4,694 |
| Total domestic deposits to total assets | 87.5470% | 2,519 |
| Equity capital to assets | 7.1642% | 7,054 |
| Core capital (leverage) ratio | 7.9896% | 6,218 |
| Tier 1 risk-based capital ratio | 10.3487% | 6,794 |
| Total risk-based capital ratio | 11.4006% | 6,884 |
| Memoranda: | ||
| Average total assets | $120,945,000 | 4,465 |
| Average earning assets | $111,133,200 | 4,440 |
| Average equity | $9,466,600 | 5,274 |
| Average total loans | $85,166,200 | 4,177 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3072% | 500 |
| Cost of funding earning assets | 1.9208% | 957 |
| Net interest margin | 4.3863% | 1,567 |
| Noninterest income to average assets | 0.0368% | 7,338 |
| Noninterest expense to average assets | 2.8688% | 4,210 |
| Loan and lease loss provision to assets | 0.4525% | 3,209 |
| Net operating income to assets | 0.7032% | 3,402 |
| Return on assets (ROA) | 0.7869% | 3,224 |
| Pretax return on assets | 0.8248% | 3,819 |
| Return on Equity (ROE) | 9.8332% | 2,193 |
| Retained earnings to average equity (ytd only) | 6.1423% | 2,288 |
| Net charge-offs to loans | 0.3087% | 4,107 |
| Credit loss provision to net charge-offs | 205.0505% | 1,727 |
| Earnings coverage of net charge-offs (x) | 5.3890% | 2,756 |
| Efficiency ratio | 70.6949% | 3,939 |
| Assets per employee ($millions) | 4.1824% | 3,476 |
| Cash dividends to net income (ytd only)* | 37.5349% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 5,529 |
| Loan loss allowance to noncurrent loans | 375.6554% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 5,273 |
| Noncurrent loans to loans | 0.3176% | 6,563 |
| Net loans and leases to total assets | 70.9417% | 2,503 |
| Net loans and leases to deposits | 81.5456% | 3,184 |
| Net loans and leases to core deposits | 83.0197% | 4,085 |
| Total domestic deposits to total assets | 86.9964% | 2,535 |
| Equity capital to assets | 8.6870% | 6,037 |
| Core capital (leverage) ratio | 8.0781% | 6,231 |
| Tier 1 risk-based capital ratio | 10.3329% | 6,875 |
| Total risk-based capital ratio | 11.4140% | 6,955 |
| Memoranda: | ||
| Average total assets | $119,628,500 | 4,549 |
| Average earning assets | $109,671,500 | 4,534 |
| Average equity | $9,572,750 | 5,323 |
| Average total loans | $85,519,250 | 4,242 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3200% | 494 |
| Cost of funding earning assets | 1.9732% | 973 |
| Net interest margin | 4.3468% | 1,606 |
| Noninterest income to average assets | -0.0813% | 7,616 |
| Noninterest expense to average assets | 2.7891% | 4,537 |
| Loan and lease loss provision to assets | 0.3951% | 3,345 |
| Net operating income to assets | 0.6820% | 3,474 |
| Return on assets (ROA) | 0.8019% | 3,105 |
| Pretax return on assets | 0.8434% | 3,731 |
| Return on Equity (ROE) | 10.3066% | 1,991 |
| Retained earnings to average equity (ytd only) | 7.5325% | 1,628 |
| Net charge-offs to loans | 0.2907% | 3,877 |
| Credit loss provision to net charge-offs | 190.4000% | 2,071 |
| Earnings coverage of net charge-offs (x) | 5.3600% | 2,685 |
| Efficiency ratio | 71.4894% | 3,908 |
| Assets per employee ($millions) | 4.4443% | 2,974 |
| Cash dividends to net income (ytd only)* | 26.9151% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 6,207 |
| Loan loss allowance to noncurrent loans | 175.6286% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 1.1525% | 4,823 |
| Noncurrent loans to loans | 0.5947% | 6,056 |
| Net loans and leases to total assets | 71.6885% | 2,488 |
| Net loans and leases to deposits | 81.7035% | 3,316 |
| Net loans and leases to core deposits | 83.6053% | 4,186 |
| Total domestic deposits to total assets | 87.7422% | 2,143 |
| Equity capital to assets | 8.1477% | 6,602 |
| Core capital (leverage) ratio | 7.8199% | 6,475 |
| Tier 1 risk-based capital ratio | 9.9434% | 7,058 |
| Total risk-based capital ratio | 10.8939% | 7,201 |
| Memoranda: | ||
| Average total assets | $120,469,330 | 4,556 |
| Average earning assets | $110,379,330 | 4,548 |
| Average equity | $9,372,670 | 5,389 |
| Average total loans | $85,999,000 | 4,253 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3675% | 469 |
| Cost of funding earning assets | 1.9976% | 1,093 |
| Net interest margin | 4.3699% | 1,477 |
| Noninterest income to average assets | 0.4010% | 4,911 |
| Noninterest expense to average assets | 3.1979% | 2,873 |
| Loan and lease loss provision to assets | 0.5600% | 2,261 |
| Net operating income to assets | 0.5825% | 3,979 |
| Return on assets (ROA) | 0.6164% | 3,966 |
| Pretax return on assets | 0.6595% | 4,375 |
| Return on Equity (ROE) | 8.1130% | 2,830 |
| Retained earnings to average equity (ytd only) | 2.4426% | 4,673 |
| Net charge-offs to loans | 0.1216% | 4,241 |
| Credit loss provision to net charge-offs | 650.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 13.7308% | 1,477 |
| Efficiency ratio | 72.9955% | 3,759 |
| Assets per employee ($millions) | 4.3969% | 3,137 |
| Cash dividends to net income (ytd only)* | 69.8925% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 6,030 |
| Loan loss allowance to noncurrent loans | 89.2483% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.8616% | 3,686 |
| Noncurrent loans to loans | 1.2264% | 4,923 |
| Net loans and leases to total assets | 71.3975% | 2,589 |
| Net loans and leases to deposits | 83.6650% | 2,998 |
| Net loans and leases to core deposits | 85.9157% | 3,913 |
| Total domestic deposits to total assets | 85.3374% | 3,490 |
| Equity capital to assets | 7.8666% | 6,793 |
| Core capital (leverage) ratio | 7.5394% | 6,813 |
| Tier 1 risk-based capital ratio | 9.7579% | 7,174 |
| Total risk-based capital ratio | 10.7526% | 7,297 |
| Memoranda: | ||
| Average total assets | $120,705,500 | 4,613 |
| Average earning assets | $109,933,000 | 4,614 |
| Average equity | $9,170,500 | 5,492 |
| Average total loans | $85,532,500 | 4,338 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3297% | 966 |
| Cost of funding earning assets | 2.2823% | 1,721 |
| Net interest margin | 4.0475% | 2,662 |
| Noninterest income to average assets | 0.3994% | 5,205 |
| Noninterest expense to average assets | 3.1751% | 3,463 |
| Loan and lease loss provision to assets | 0.5962% | 3,409 |
| Net operating income to assets | 0.2968% | 4,545 |
| Return on assets (ROA) | 0.2947% | 4,633 |
| Pretax return on assets | 0.3654% | 4,596 |
| Return on Equity (ROE) | 3.7942% | 4,167 |
| Retained earnings to average equity (ytd only) | 2.5879% | 3,332 |
| Net charge-offs to loans | 1.1284% | 2,174 |
| Credit loss provision to net charge-offs | 72.0906% | 6,447 |
| Earnings coverage of net charge-offs (x) | 1.1658% | 4,959 |
| Efficiency ratio | 76.7078% | 3,407 |
| Assets per employee ($millions) | 4.5442% | 2,846 |
| Cash dividends to net income (ytd only)* | 31.7919% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 6,702 |
| Loan loss allowance to noncurrent loans | 131.8408% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 1.4361% | 4,258 |
| Noncurrent loans to loans | 0.7064% | 5,831 |
| Net loans and leases to total assets | 68.9284% | 3,504 |
| Net loans and leases to deposits | 81.2152% | 3,761 |
| Net loans and leases to core deposits | 87.5204% | 5,379 |
| Total domestic deposits to total assets | 84.8713% | 3,612 |
| Equity capital to assets | 7.3370% | 7,169 |
| Core capital (leverage) ratio | 7.3901% | 6,901 |
| Tier 1 risk-based capital ratio | 9.6067% | 7,155 |
| Total risk-based capital ratio | 10.4418% | 7,383 |
| Memoranda: | ||
| Average total assets | $117,414,400 | 4,649 |
| Average earning assets | $108,487,800 | 4,615 |
| Average equity | $9,119,200 | 5,574 |
| Average total loans | $86,053,000 | 4,327 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4092% | 914 |
| Cost of funding earning assets | 2.3260% | 1,890 |
| Net interest margin | 4.0832% | 2,468 |
| Noninterest income to average assets | 0.4376% | 4,977 |
| Noninterest expense to average assets | 3.1686% | 3,409 |
| Loan and lease loss provision to assets | 0.3445% | 4,257 |
| Net operating income to assets | 0.6462% | 3,423 |
| Return on assets (ROA) | 0.6420% | 3,512 |
| Pretax return on assets | 0.7040% | 3,842 |
| Return on Equity (ROE) | 8.1468% | 2,581 |
| Retained earnings to average equity (ytd only) | 6.5437% | 1,687 |
| Net charge-offs to loans | 0.5598% | 3,001 |
| Credit loss provision to net charge-offs | 82.8729% | 5,684 |
| Earnings coverage of net charge-offs (x) | 2.5332% | 3,956 |
| Efficiency ratio | 75.0544% | 3,680 |
| Assets per employee ($millions) | 4.3706% | 3,085 |
| Cash dividends to net income (ytd only)* | 19.6777% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 5,323 |
| Loan loss allowance to noncurrent loans | 33.8503% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 2.7617% | 2,515 |
| Noncurrent loans to loans | 3.4405% | 2,175 |
| Net loans and leases to total assets | 72.2040% | 2,985 |
| Net loans and leases to deposits | 88.8496% | 2,814 |
| Net loans and leases to core deposits | 96.3345% | 4,770 |
| Total domestic deposits to total assets | 81.2654% | 4,972 |
| Equity capital to assets | 8.1276% | 6,715 |
| Core capital (leverage) ratio | 8.0117% | 6,337 |
| Tier 1 risk-based capital ratio | 9.9026% | 7,057 |
| Total risk-based capital ratio | 10.9649% | 7,185 |
| Memoranda: | ||
| Average total assets | $116,094,500 | 4,697 |
| Average earning assets | $107,593,250 | 4,662 |
| Average equity | $9,148,500 | 5,615 |
| Average total loans | $86,224,750 | 4,360 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4294% | 946 |
| Cost of funding earning assets | 2.3846% | 2,029 |
| Net interest margin | 4.0448% | 2,524 |
| Noninterest income to average assets | 0.4816% | 4,616 |
| Noninterest expense to average assets | 3.0245% | 3,990 |
| Loan and lease loss provision to assets | 0.3464% | 3,848 |
| Net operating income to assets | 0.7695% | 2,971 |
| Return on assets (ROA) | 0.7726% | 3,065 |
| Pretax return on assets | 0.8575% | 3,483 |
| Return on Equity (ROE) | 9.9100% | 2,051 |
| Retained earnings to average equity (ytd only) | 7.4658% | 1,404 |
| Net charge-offs to loans | 0.4059% | 3,169 |
| Credit loss provision to net charge-offs | 114.2857% | 4,050 |
| Earnings coverage of net charge-offs (x) | 3.9600% | 3,261 |
| Efficiency ratio | 71.5867% | 4,488 |
| Assets per employee ($millions) | 4.3276% | 3,062 |
| Cash dividends to net income (ytd only)* | 24.6637% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 4,494 |
| Loan loss allowance to noncurrent loans | 54.6593% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.9590% | 3,250 |
| Noncurrent loans to loans | 2.3172% | 3,119 |
| Net loans and leases to total assets | 72.7876% | 3,006 |
| Net loans and leases to deposits | 88.6933% | 3,057 |
| Net loans and leases to core deposits | 95.1320% | 4,995 |
| Total domestic deposits to total assets | 82.0667% | 4,666 |
| Equity capital to assets | 7.8352% | 6,936 |
| Core capital (leverage) ratio | 7.9710% | 6,383 |
| Tier 1 risk-based capital ratio | 9.7492% | 7,184 |
| Total risk-based capital ratio | 10.8995% | 7,224 |
| Memoranda: | ||
| Average total assets | $115,457,330 | 4,738 |
| Average earning assets | $106,853,330 | 4,700 |
| Average equity | $9,001,000 | 5,690 |
| Average total loans | $86,230,000 | 4,395 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4082% | 1,049 |
| Cost of funding earning assets | 2.5363% | 1,782 |
| Net interest margin | 3.8719% | 3,179 |
| Noninterest income to average assets | 0.4880% | 4,427 |
| Noninterest expense to average assets | 2.8964% | 4,166 |
| Loan and lease loss provision to assets | 0.3485% | 3,233 |
| Net operating income to assets | 0.7185% | 3,467 |
| Return on assets (ROA) | 0.7215% | 3,651 |
| Pretax return on assets | 0.8435% | 3,914 |
| Return on Equity (ROE) | 9.2784% | 2,617 |
| Retained earnings to average equity (ytd only) | 4.3478% | 3,499 |
| Net charge-offs to loans | -0.0371% | 7,619 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9044% | 4,392 |
| Assets per employee ($millions) | 4.0998% | 3,459 |
| Cash dividends to net income (ytd only)* | 53.1401% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 3,750 |
| Loan loss allowance to noncurrent loans | 68.4149% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.7501% | 3,298 |
| Noncurrent loans to loans | 1.9838% | 3,283 |
| Net loans and leases to total assets | 74.3282% | 2,671 |
| Net loans and leases to deposits | 90.7587% | 2,818 |
| Net loans and leases to core deposits | 98.5266% | 4,692 |
| Total domestic deposits to total assets | 81.8964% | 4,592 |
| Equity capital to assets | 7.7634% | 7,113 |
| Core capital (leverage) ratio | 7.8851% | 6,644 |
| Tier 1 risk-based capital ratio | 9.6142% | 7,326 |
| Total risk-based capital ratio | 10.8643% | 7,264 |
| Memoranda: | ||
| Average total assets | $114,764,000 | 4,784 |
| Average earning assets | $106,613,500 | 4,730 |
| Average equity | $8,924,000 | 5,727 |
| Average total loans | $86,275,500 | 4,412 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0872% | 938 |
| Cost of funding earning assets | 3.1056% | 1,490 |
| Net interest margin | 3.9817% | 3,209 |
| Noninterest income to average assets | 0.4338% | 5,182 |
| Noninterest expense to average assets | 3.0434% | 3,931 |
| Loan and lease loss provision to assets | 0.1367% | 5,610 |
| Net operating income to assets | 0.9804% | 2,633 |
| Return on assets (ROA) | 0.5114% | 4,529 |
| Pretax return on assets | 0.4629% | 5,091 |
| Return on Equity (ROE) | 6.9244% | 3,571 |
| Retained earnings to average equity (ytd only) | 5.4321% | 1,795 |
| Net charge-offs to loans | 0.0658% | 5,834 |
| Credit loss provision to net charge-offs | 287.0370% | 1,580 |
| Earnings coverage of net charge-offs (x) | 22.4444% | 1,473 |
| Efficiency ratio | 74.0137% | 3,571 |
| Assets per employee ($millions) | 4.0976% | 3,312 |
| Cash dividends to net income (ytd only)* | 21.5517% | 4,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 4,243 |
| Loan loss allowance to noncurrent loans | 201.8939% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 5,078 |
| Noncurrent loans to loans | 0.6136% | 5,532 |
| Net loans and leases to total assets | 74.0728% | 3,083 |
| Net loans and leases to deposits | 87.8608% | 3,825 |
| Net loans and leases to core deposits | 94.9883% | 5,351 |
| Total domestic deposits to total assets | 84.3070% | 3,172 |
| Equity capital to assets | 7.7885% | 7,109 |
| Core capital (leverage) ratio | 7.4871% | 7,220 |
| Tier 1 risk-based capital ratio | 9.5538% | 7,250 |
| Total risk-based capital ratio | 10.6969% | 7,279 |
| Memoranda: | ||
| Average total assets | $113,424,800 | 4,683 |
| Average earning assets | $104,780,000 | 4,654 |
| Average equity | $8,376,200 | 5,954 |
| Average total loans | $82,069,800 | 4,449 |