Home > Sanger Bank > Performance and Condition Ratios
Sanger 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 | 5.5611% | 1,093 |
| Cost of funding earning assets | 1.4571% | 2,058 |
| Net interest margin | 4.1040% | 1,069 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.3037% | 2,844 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.4719% | 1,074 |
| Return on assets (ROA) | 1.4719% | 1,048 |
| Pretax return on assets | 1.7995% | 887 |
| Return on Equity (ROE) | 10.1900% | 2,442 |
| Retained earnings to average equity (ytd only) | 8.6700% | 1,342 |
| Net charge-offs to loans | 0.0084% | 2,353 |
| Credit loss provision to net charge-offs | 2,430.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 392.3000% | 357 |
| Efficiency ratio | 54.5634% | 3,639 |
| Assets per employee ($millions) | 6.9108% | 2,128 |
| Cash dividends to net income (ytd only)* | 14.9502% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 1,872 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 58.1700% | 3,023 |
| Net loans and leases to deposits | 68.8543% | 2,965 |
| Net loans and leases to core deposits | 83.1604% | 2,514 |
| Total domestic deposits to total assets | 84.4800% | 2,474 |
| Equity capital to assets | 14.8286% | 571 |
| Core capital (leverage) ratio | 14.9925% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4030% | 397 |
| Memoranda: | ||
| Average total assets | $204,499,800 | 2,963 |
| Average earning assets | $189,008,600 | 2,956 |
| Average equity | $29,527,200 | 2,285 |
| Average total loans | $119,693,200 | 2,958 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3823% | 1,159 |
| Cost of funding earning assets | 1.3223% | 2,083 |
| Net interest margin | 4.0600% | 1,133 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.2395% | 2,969 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.4426% | 1,232 |
| Return on assets (ROA) | 1.4426% | 1,213 |
| Pretax return on assets | 1.8109% | 999 |
| Return on Equity (ROE) | 10.0600% | 2,619 |
| Retained earnings to average equity (ytd only) | 10.0602% | 1,384 |
| Net charge-offs to loans | 0.0112% | 1,986 |
| Credit loss provision to net charge-offs | 2,250.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 299.3000% | 448 |
| Efficiency ratio | 53.3510% | 3,644 |
| Assets per employee ($millions) | 7.4275% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 1,825 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 56.0600% | 3,196 |
| Net loans and leases to deposits | 66.1321% | 3,116 |
| Net loans and leases to core deposits | 80.2460% | 2,579 |
| Total domestic deposits to total assets | 84.7600% | 2,576 |
| Equity capital to assets | 14.5727% | 579 |
| Core capital (leverage) ratio | 14.9150% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0776% | 380 |
| Memoranda: | ||
| Average total assets | $203,794,000 | 2,968 |
| Average earning assets | $188,959,750 | 2,957 |
| Average equity | $29,223,250 | 2,288 |
| Average total loans | $119,077,750 | 2,969 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2221% | 1,182 |
| Cost of funding earning assets | 1.1478% | 2,140 |
| Net interest margin | 4.0743% | 1,121 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.2707% | 2,887 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.4140% | 1,292 |
| Return on assets (ROA) | 1.4140% | 1,276 |
| Pretax return on assets | 1.7757% | 1,059 |
| Return on Equity (ROE) | 9.9200% | 2,722 |
| Retained earnings to average equity (ytd only) | 9.9162% | 1,422 |
| Net charge-offs to loans | 0.0168% | 1,581 |
| Credit loss provision to net charge-offs | 1,650.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 196.2000% | 616 |
| Efficiency ratio | 53.9437% | 3,615 |
| Assets per employee ($millions) | 7.5289% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,328 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 59.1000% | 2,860 |
| Net loans and leases to deposits | 69.6474% | 2,811 |
| Net loans and leases to core deposits | 84.0919% | 2,207 |
| Total domestic deposits to total assets | 84.8500% | 2,584 |
| Equity capital to assets | 14.5528% | 569 |
| Core capital (leverage) ratio | 14.9741% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8309% | 442 |
| Memoranda: | ||
| Average total assets | $202,401,667 | 2,984 |
| Average earning assets | $187,320,667 | 2,979 |
| Average equity | $28,862,000 | 2,317 |
| Average total loans | $119,395,000 | 2,957 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 1,232 |
| Cost of funding earning assets | 0.9020% | 2,364 |
| Net interest margin | 4.0953% | 1,104 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.2975% | 2,818 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.3963% | 1,420 |
| Return on assets (ROA) | 1.3963% | 1,396 |
| Pretax return on assets | 1.7568% | 1,156 |
| Return on Equity (ROE) | 9.8900% | 2,817 |
| Retained earnings to average equity (ytd only) | 9.8942% | 1,726 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.1550% | 3,586 |
| Assets per employee ($millions) | 6.9473% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 2,712 |
| Loan loss allowance to noncurrent loans | 14,270.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 3,851 |
| Noncurrent loans to loans | 0.0082% | 3,776 |
| Net loans and leases to total assets | 59.8100% | 2,676 |
| Net loans and leases to deposits | 70.2586% | 2,586 |
| Net loans and leases to core deposits | 80.4611% | 2,222 |
| Total domestic deposits to total assets | 85.1300% | 2,821 |
| Equity capital to assets | 14.3261% | 549 |
| Core capital (leverage) ratio | 14.4768% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5926% | 462 |
| Memoranda: | ||
| Average total assets | $201,962,500 | 3,032 |
| Average earning assets | $188,022,000 | 3,010 |
| Average equity | $28,501,500 | 2,361 |
| Average total loans | $118,283,000 | 2,996 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 1,612 |
| Cost of funding earning assets | 0.3584% | 2,413 |
| Net interest margin | 3.6835% | 1,413 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.3348% | 2,632 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.1976% | 1,775 |
| Return on assets (ROA) | 1.1976% | 1,718 |
| Pretax return on assets | 1.4700% | 1,538 |
| Return on Equity (ROE) | 8.5800% | 3,238 |
| Retained earnings to average equity (ytd only) | 6.9766% | 2,255 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.4947% | 3,122 |
| Assets per employee ($millions) | 7.2305% | 1,798 |
| Cash dividends to net income (ytd only)* | 18.6940% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 2,568 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 55.9700% | 3,038 |
| Net loans and leases to deposits | 65.2583% | 2,936 |
| Net loans and leases to core deposits | 71.3050% | 2,773 |
| Total domestic deposits to total assets | 85.7600% | 2,790 |
| Equity capital to assets | 13.8995% | 588 |
| Core capital (leverage) ratio | 14.2560% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1152% | 412 |
| Memoranda: | ||
| Average total assets | $195,648,400 | 3,070 |
| Average earning assets | $185,803,200 | 3,034 |
| Average equity | $27,305,600 | 2,462 |
| Average total loans | $106,974,200 | 3,060 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8018% | 1,759 |
| Cost of funding earning assets | 0.2964% | 2,211 |
| Net interest margin | 3.5053% | 1,650 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.3291% | 2,546 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1034% | 2,072 |
| Return on assets (ROA) | 1.1034% | 2,043 |
| Pretax return on assets | 1.3632% | 1,838 |
| Return on Equity (ROE) | 7.9000% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.8974% | 2,043 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.4994% | 2,900 |
| Assets per employee ($millions) | 7.5428% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,046 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 54.8800% | 3,018 |
| Net loans and leases to deposits | 63.9120% | 2,872 |
| Net loans and leases to core deposits | 69.1406% | 2,709 |
| Total domestic deposits to total assets | 85.8700% | 3,095 |
| Equity capital to assets | 13.6510% | 599 |
| Core capital (leverage) ratio | 13.9721% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0342% | 430 |
| Memoranda: | ||
| Average total assets | $193,947,250 | 3,100 |
| Average earning assets | $185,769,250 | 3,052 |
| Average equity | $27,097,000 | 2,509 |
| Average total loans | $105,057,250 | 3,095 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 1,863 |
| Cost of funding earning assets | 0.2731% | 1,988 |
| Net interest margin | 3.3202% | 1,850 |
| Noninterest income to average assets | 0.4163% | 2,654 |
| Noninterest expense to average assets | 2.2547% | 2,693 |
| Loan and lease loss provision to assets | 0.0860% | 1,155 |
| Net operating income to assets | 1.0382% | 2,026 |
| Return on assets (ROA) | 1.0382% | 1,997 |
| Pretax return on assets | 1.2763% | 1,826 |
| Return on Equity (ROE) | 7.3709% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.3709% | 1,861 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3369% | 3,004 |
| Assets per employee ($millions) | 7.1648% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.6607% | 3,000 |
| Net loans and leases to deposits | 62.8023% | 2,825 |
| Net loans and leases to core deposits | 67.6322% | 2,686 |
| Total domestic deposits to total assets | 85.4437% | 3,382 |
| Equity capital to assets | 14.0771% | 502 |
| Core capital (leverage) ratio | 14.2151% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0535% | 321 |
| Memoranda: | ||
| Average total assets | $190,711,000 | 3,159 |
| Average earning assets | $183,844,333 | 3,111 |
| Average equity | $26,862,333 | 2,592 |
| Average total loans | $102,407,667 | 3,153 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4648% | 1,910 |
| Cost of funding earning assets | 0.2832% | 1,787 |
| Net interest margin | 3.1815% | 1,938 |
| Noninterest income to average assets | 0.4077% | 2,632 |
| Noninterest expense to average assets | 2.2372% | 2,727 |
| Loan and lease loss provision to assets | 0.0951% | 870 |
| Net operating income to assets | 0.9253% | 2,177 |
| Return on assets (ROA) | 0.9253% | 2,170 |
| Pretax return on assets | 1.1366% | 2,032 |
| Return on Equity (ROE) | 6.5673% | 3,171 |
| Retained earnings to average equity (ytd only) | 6.5673% | 2,045 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4945% | 2,968 |
| Assets per employee ($millions) | 6.8126% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 3,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 52.5604% | 2,931 |
| Net loans and leases to deposits | 61.5130% | 2,757 |
| Net loans and leases to core deposits | 66.3912% | 2,599 |
| Total domestic deposits to total assets | 85.4460% | 3,419 |
| Equity capital to assets | 14.0549% | 525 |
| Core capital (leverage) ratio | 14.1771% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6293% | 275 |
| Memoranda: | ||
| Average total assets | $189,342,000 | 3,178 |
| Average earning assets | $182,176,000 | 3,128 |
| Average equity | $26,677,500 | 2,670 |
| Average total loans | $101,118,500 | 3,171 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5105% | 2,628 |
| Cost of funding earning assets | 0.3600% | 1,856 |
| Net interest margin | 3.1505% | 2,737 |
| Noninterest income to average assets | 0.4167% | 2,967 |
| Noninterest expense to average assets | 2.4008% | 2,488 |
| Loan and lease loss provision to assets | 0.1207% | 1,028 |
| Net operating income to assets | 0.7630% | 3,448 |
| Return on assets (ROA) | 0.7630% | 3,509 |
| Pretax return on assets | 0.9312% | 3,418 |
| Return on Equity (ROE) | 5.4892% | 3,885 |
| Retained earnings to average equity (ytd only) | 3.7572% | 3,310 |
| Net charge-offs to loans | 0.0392% | 1,474 |
| Credit loss provision to net charge-offs | 600.0000% | 725 |
| Earnings coverage of net charge-offs (x) | 52.3056% | 1,272 |
| Efficiency ratio | 69.5357% | 1,790 |
| Assets per employee ($millions) | 6.7119% | 2,145 |
| Cash dividends to net income (ytd only)* | 31.5520% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 3,398 |
| Loan loss allowance to noncurrent loans | 18,300.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,148 |
| Noncurrent loans to loans | 0.0060% | 4,062 |
| Net loans and leases to total assets | 53.0703% | 2,955 |
| Net loans and leases to deposits | 62.1075% | 2,871 |
| Net loans and leases to core deposits | 67.1478% | 2,723 |
| Total domestic deposits to total assets | 85.4490% | 3,110 |
| Equity capital to assets | 14.1248% | 640 |
| Core capital (leverage) ratio | 14.2173% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4874% | 293 |
| Memoranda: | ||
| Average total assets | $179,025,400 | 3,216 |
| Average earning assets | $172,513,000 | 3,157 |
| Average equity | $24,885,400 | 2,859 |
| Average total loans | $91,948,000 | 3,309 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5070% | 2,817 |
| Cost of funding earning assets | 0.3751% | 1,896 |
| Net interest margin | 3.1319% | 2,956 |
| Noninterest income to average assets | 0.4170% | 2,999 |
| Noninterest expense to average assets | 2.4479% | 2,281 |
| Loan and lease loss provision to assets | 0.0718% | 1,596 |
| Net operating income to assets | 0.7519% | 3,649 |
| Return on assets (ROA) | 0.7519% | 3,711 |
| Pretax return on assets | 0.9140% | 3,665 |
| Return on Equity (ROE) | 5.4323% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.4323% | 3,058 |
| Net charge-offs to loans | -0.0446% | 4,295 |
| Credit loss provision to net charge-offs | -316.6667% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2937% | 1,460 |
| Assets per employee ($millions) | 6.1749% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,419 |
| Loan loss allowance to noncurrent loans | 939.6396% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,717 |
| Noncurrent loans to loans | 0.1176% | 3,506 |
| Net loans and leases to total assets | 50.4019% | 3,362 |
| Net loans and leases to deposits | 59.2640% | 3,304 |
| Net loans and leases to core deposits | 64.2805% | 3,112 |
| Total domestic deposits to total assets | 85.0465% | 3,099 |
| Equity capital to assets | 14.3695% | 658 |
| Core capital (leverage) ratio | 14.4800% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5468% | 265 |
| Memoranda: | ||
| Average total assets | $176,798,750 | 3,268 |
| Average earning assets | $170,284,000 | 3,210 |
| Average equity | $24,470,500 | 2,913 |
| Average total loans | $89,726,500 | 3,381 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5772% | 2,696 |
| Cost of funding earning assets | 0.3956% | 1,920 |
| Net interest margin | 3.1816% | 2,809 |
| Noninterest income to average assets | 0.4173% | 3,022 |
| Noninterest expense to average assets | 2.4968% | 2,153 |
| Loan and lease loss provision to assets | 0.0678% | 1,693 |
| Net operating income to assets | 0.7575% | 3,622 |
| Return on assets (ROA) | 0.7575% | 3,689 |
| Pretax return on assets | 0.9127% | 3,633 |
| Return on Equity (ROE) | 5.5485% | 4,012 |
| Retained earnings to average equity (ytd only) | 5.5485% | 2,979 |
| Net charge-offs to loans | -0.0658% | 4,476 |
| Credit loss provision to net charge-offs | -203.4483% | 3,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8017% | 1,454 |
| Assets per employee ($millions) | 5.7781% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,288 |
| Loan loss allowance to noncurrent loans | 882.4561% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 3,798 |
| Noncurrent loans to loans | 0.1281% | 3,548 |
| Net loans and leases to total assets | 49.1316% | 3,639 |
| Net loans and leases to deposits | 57.9461% | 3,551 |
| Net loans and leases to core deposits | 63.2061% | 3,361 |
| Total domestic deposits to total assets | 84.7885% | 3,183 |
| Equity capital to assets | 14.6778% | 585 |
| Core capital (leverage) ratio | 14.4750% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1608% | 225 |
| Memoranda: | ||
| Average total assets | $173,982,667 | 3,300 |
| Average earning assets | $167,338,667 | 3,247 |
| Average equity | $23,754,333 | 2,955 |
| Average total loans | $88,165,000 | 3,427 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 2,371 |
| Cost of funding earning assets | 0.4167% | 1,959 |
| Net interest margin | 3.2776% | 2,455 |
| Noninterest income to average assets | 0.4037% | 3,068 |
| Noninterest expense to average assets | 2.5179% | 2,130 |
| Loan and lease loss provision to assets | 0.0863% | 1,521 |
| Net operating income to assets | 0.7771% | 3,495 |
| Return on assets (ROA) | 0.7771% | 3,562 |
| Pretax return on assets | 0.9381% | 3,518 |
| Return on Equity (ROE) | 5.9237% | 3,883 |
| Retained earnings to average equity (ytd only) | 5.9237% | 2,927 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0804% | 1,599 |
| Assets per employee ($millions) | 5.8093% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,572 |
| Loan loss allowance to noncurrent loans | 837.7193% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 3,926 |
| Noncurrent loans to loans | 0.1277% | 3,669 |
| Net loans and leases to total assets | 49.0296% | 3,706 |
| Net loans and leases to deposits | 57.7244% | 3,662 |
| Net loans and leases to core deposits | 62.8310% | 3,512 |
| Total domestic deposits to total assets | 84.9374% | 3,125 |
| Equity capital to assets | 12.5760% | 1,056 |
| Core capital (leverage) ratio | 13.4537% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5437% | 340 |
| Memoranda: | ||
| Average total assets | $171,413,500 | 3,319 |
| Average earning assets | $164,142,000 | 3,271 |
| Average equity | $22,486,000 | 3,043 |
| Average total loans | $87,742,000 | 3,444 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 2,599 |
| Cost of funding earning assets | 0.5707% | 2,502 |
| Net interest margin | 3.4716% | 2,557 |
| Noninterest income to average assets | 0.4835% | 2,708 |
| Noninterest expense to average assets | 2.6087% | 2,523 |
| Loan and lease loss provision to assets | 0.0589% | 3,635 |
| Net operating income to assets | 0.9415% | 2,517 |
| Return on assets (ROA) | 0.9415% | 2,665 |
| Pretax return on assets | 1.1116% | 2,647 |
| Return on Equity (ROE) | 6.5661% | 3,384 |
| Retained earnings to average equity (ytd only) | 4.6497% | 2,451 |
| Net charge-offs to loans | 0.0405% | 2,252 |
| Credit loss provision to net charge-offs | 281.2500% | 1,801 |
| Earnings coverage of net charge-offs (x) | 55.9063% | 1,110 |
| Efficiency ratio | 69.0270% | 2,093 |
| Assets per employee ($millions) | 5.4246% | 2,927 |
| Cash dividends to net income (ytd only)* | 29.1869% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 3,623 |
| Loan loss allowance to noncurrent loans | 456.7164% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 3,663 |
| Noncurrent loans to loans | 0.2331% | 3,361 |
| Net loans and leases to total assets | 52.4241% | 3,634 |
| Net loans and leases to deposits | 62.6714% | 3,552 |
| Net loans and leases to core deposits | 68.9501% | 3,336 |
| Total domestic deposits to total assets | 83.6492% | 3,219 |
| Equity capital to assets | 13.7178% | 867 |
| Core capital (leverage) ratio | 13.7475% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4064% | 307 |
| Memoranda: | ||
| Average total assets | $152,836,400 | 3,370 |
| Average earning assets | $145,089,600 | 3,323 |
| Average equity | $21,915,600 | 3,016 |
| Average total loans | $79,106,400 | 3,568 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 2,589 |
| Cost of funding earning assets | 0.6013% | 2,608 |
| Net interest margin | 3.5292% | 2,486 |
| Noninterest income to average assets | 0.4930% | 2,639 |
| Noninterest expense to average assets | 2.6460% | 2,397 |
| Loan and lease loss provision to assets | 0.0579% | 3,630 |
| Net operating income to assets | 0.9657% | 2,466 |
| Return on assets (ROA) | 0.9657% | 2,598 |
| Pretax return on assets | 1.1359% | 2,620 |
| Return on Equity (ROE) | 6.6563% | 3,323 |
| Retained earnings to average equity (ytd only) | 6.6563% | 1,829 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9145% | 2,058 |
| Assets per employee ($millions) | 5.3383% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 3,019 |
| Loan loss allowance to noncurrent loans | 502.7174% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 3,853 |
| Noncurrent loans to loans | 0.2254% | 3,495 |
| Net loans and leases to total assets | 50.3940% | 4,081 |
| Net loans and leases to deposits | 60.5757% | 4,019 |
| Net loans and leases to core deposits | 66.4540% | 3,866 |
| Total domestic deposits to total assets | 83.1918% | 3,093 |
| Equity capital to assets | 13.9615% | 869 |
| Core capital (leverage) ratio | 14.2326% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7385% | 264 |
| Memoranda: | ||
| Average total assets | $150,361,000 | 3,385 |
| Average earning assets | $142,578,250 | 3,337 |
| Average equity | $21,813,500 | 3,015 |
| Average total loans | $77,325,000 | 3,621 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 2,594 |
| Cost of funding earning assets | 0.6478% | 2,714 |
| Net interest margin | 3.6080% | 2,458 |
| Noninterest income to average assets | 0.4990% | 2,567 |
| Noninterest expense to average assets | 2.6975% | 2,390 |
| Loan and lease loss provision to assets | 0.0544% | 3,623 |
| Net operating income to assets | 0.9939% | 2,350 |
| Return on assets (ROA) | 0.9939% | 2,478 |
| Pretax return on assets | 1.1625% | 2,486 |
| Return on Equity (ROE) | 6.7586% | 3,223 |
| Retained earnings to average equity (ytd only) | 6.7586% | 1,756 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9128% | 2,101 |
| Assets per employee ($millions) | 5.1385% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 2,898 |
| Loan loss allowance to noncurrent loans | 87.2939% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 1,837 |
| Noncurrent loans to loans | 1.2895% | 1,210 |
| Net loans and leases to total assets | 51.2828% | 4,073 |
| Net loans and leases to deposits | 59.9942% | 4,122 |
| Net loans and leases to core deposits | 65.4488% | 3,995 |
| Total domestic deposits to total assets | 85.4795% | 2,214 |
| Equity capital to assets | 14.2739% | 785 |
| Core capital (leverage) ratio | 14.6673% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5398% | 250 |
| Memoranda: | ||
| Average total assets | $147,098,667 | 3,403 |
| Average earning assets | $139,245,000 | 3,357 |
| Average equity | $21,631,667 | 3,019 |
| Average total loans | $75,890,000 | 3,651 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 2,740 |
| Cost of funding earning assets | 0.7112% | 2,884 |
| Net interest margin | 3.6509% | 2,509 |
| Noninterest income to average assets | 0.5544% | 2,259 |
| Noninterest expense to average assets | 2.7025% | 2,701 |
| Loan and lease loss provision to assets | 0.0418% | 3,253 |
| Net operating income to assets | 1.0643% | 1,951 |
| Return on assets (ROA) | 1.0643% | 2,057 |
| Pretax return on assets | 1.2426% | 2,058 |
| Return on Equity (ROE) | 7.1250% | 2,891 |
| Retained earnings to average equity (ytd only) | 7.1250% | 1,494 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7848% | 2,708 |
| Assets per employee ($millions) | 4.4079% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 2,757 |
| Loan loss allowance to noncurrent loans | 93.1842% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 2,002 |
| Noncurrent loans to loans | 1.2699% | 1,289 |
| Net loans and leases to total assets | 51.8014% | 4,128 |
| Net loans and leases to deposits | 61.3512% | 4,137 |
| Net loans and leases to core deposits | 66.3103% | 4,066 |
| Total domestic deposits to total assets | 84.4343% | 2,620 |
| Equity capital to assets | 15.3509% | 702 |
| Core capital (leverage) ratio | 15.0906% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2018% | 326 |
| Memoranda: | ||
| Average total assets | $143,570,500 | 3,418 |
| Average earning assets | $134,979,500 | 3,382 |
| Average equity | $21,445,500 | 3,033 |
| Average total loans | $73,857,500 | 3,685 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 2,886 |
| Cost of funding earning assets | 0.6933% | 3,193 |
| Net interest margin | 3.8227% | 2,435 |
| Noninterest income to average assets | 0.5777% | 2,325 |
| Noninterest expense to average assets | 2.7636% | 2,711 |
| Loan and lease loss provision to assets | 0.0402% | 3,210 |
| Net operating income to assets | 1.1619% | 2,213 |
| Return on assets (ROA) | 1.1654% | 2,289 |
| Pretax return on assets | 1.4066% | 2,134 |
| Return on Equity (ROE) | 7.8450% | 3,228 |
| Retained earnings to average equity (ytd only) | 5.8451% | 1,949 |
| Net charge-offs to loans | 0.0014% | 3,668 |
| Credit loss provision to net charge-offs | 5,600.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 2,010.0000% | 33 |
| Efficiency ratio | 65.7055% | 2,818 |
| Assets per employee ($millions) | 5.2174% | 2,331 |
| Cash dividends to net income (ytd only)* | 25.4926% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 2,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 49.9100% | 4,330 |
| Net loans and leases to deposits | 58.4591% | 4,357 |
| Net loans and leases to core deposits | 62.9692% | 4,324 |
| Total domestic deposits to total assets | 85.3758% | 2,354 |
| Equity capital to assets | 14.5379% | 917 |
| Core capital (leverage) ratio | 14.9522% | 699 |
| Tier 1 risk-based capital ratio | 26.1816% | 663 |
| Total risk-based capital ratio | 27.2438% | 660 |
| Memoranda: | ||
| Average total assets | $139,346,800 | 3,446 |
| Average earning assets | $132,264,000 | 3,389 |
| Average equity | $20,701,000 | 3,066 |
| Average total loans | $71,412,800 | 3,749 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5554% | 2,877 |
| Cost of funding earning assets | 0.6884% | 3,267 |
| Net interest margin | 3.8669% | 2,378 |
| Noninterest income to average assets | 0.6005% | 2,200 |
| Noninterest expense to average assets | 2.8543% | 2,397 |
| Loan and lease loss provision to assets | 0.0397% | 3,109 |
| Net operating income to assets | 1.1477% | 2,377 |
| Return on assets (ROA) | 1.1526% | 2,445 |
| Pretax return on assets | 1.3898% | 2,347 |
| Return on Equity (ROE) | 7.7145% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.7145% | 1,533 |
| Net charge-offs to loans | 0.0019% | 3,378 |
| Credit loss provision to net charge-offs | 4,100.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 1,473.6466% | 54 |
| Efficiency ratio | 66.7195% | 2,632 |
| Assets per employee ($millions) | 5.2373% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 2,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 50.6244% | 4,391 |
| Net loans and leases to deposits | 59.7521% | 4,393 |
| Net loans and leases to core deposits | 64.5367% | 4,345 |
| Total domestic deposits to total assets | 84.7241% | 2,534 |
| Equity capital to assets | 15.0015% | 843 |
| Core capital (leverage) ratio | 14.9569% | 746 |
| Tier 1 risk-based capital ratio | 28.2345% | 557 |
| Total risk-based capital ratio | 29.3610% | 548 |
| Memoranda: | ||
| Average total assets | $137,661,750 | 3,501 |
| Average earning assets | $130,919,250 | 3,446 |
| Average equity | $20,566,750 | 3,105 |
| Average total loans | $70,823,000 | 3,803 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5025% | 3,012 |
| Cost of funding earning assets | 0.6635% | 3,341 |
| Net interest margin | 3.8390% | 2,439 |
| Noninterest income to average assets | 0.5571% | 2,356 |
| Noninterest expense to average assets | 2.8692% | 2,357 |
| Loan and lease loss provision to assets | 0.0367% | 3,082 |
| Net operating income to assets | 1.0951% | 2,541 |
| Return on assets (ROA) | 1.1025% | 2,585 |
| Pretax return on assets | 1.3078% | 2,537 |
| Return on Equity (ROE) | 7.3902% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.3902% | 1,656 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2357% | 2,498 |
| Assets per employee ($millions) | 4.7912% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 2,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 51.5870% | 4,379 |
| Net loans and leases to deposits | 60.8009% | 4,392 |
| Net loans and leases to core deposits | 65.1668% | 4,353 |
| Total domestic deposits to total assets | 84.8457% | 2,545 |
| Equity capital to assets | 14.9542% | 827 |
| Core capital (leverage) ratio | 15.0285% | 698 |
| Tier 1 risk-based capital ratio | 26.0026% | 691 |
| Total risk-based capital ratio | 27.0432% | 684 |
| Memoranda: | ||
| Average total assets | $136,413,670 | 3,537 |
| Average earning assets | $129,616,000 | 3,483 |
| Average equity | $20,351,330 | 3,121 |
| Average total loans | $70,287,000 | 3,834 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 3,260 |
| Cost of funding earning assets | 0.6163% | 3,483 |
| Net interest margin | 3.7750% | 2,614 |
| Noninterest income to average assets | 0.5564% | 2,250 |
| Noninterest expense to average assets | 2.8768% | 2,337 |
| Loan and lease loss provision to assets | 0.0296% | 3,028 |
| Net operating income to assets | 1.0596% | 2,624 |
| Return on assets (ROA) | 1.0596% | 2,669 |
| Pretax return on assets | 1.2579% | 2,596 |
| Return on Equity (ROE) | 7.1109% | 3,633 |
| Retained earnings to average equity (ytd only) | 7.1109% | 1,996 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0832% | 2,488 |
| Assets per employee ($millions) | 4.5845% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 2,829 |
| Loan loss allowance to noncurrent loans | 2,629.0323% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 4,742 |
| Noncurrent loans to loans | 0.0439% | 4,566 |
| Net loans and leases to total assets | 50.7714% | 4,422 |
| Net loans and leases to deposits | 59.7311% | 4,426 |
| Net loans and leases to core deposits | 63.4022% | 4,409 |
| Total domestic deposits to total assets | 85.0001% | 2,679 |
| Equity capital to assets | 14.7963% | 794 |
| Core capital (leverage) ratio | 15.1391% | 668 |
| Tier 1 risk-based capital ratio | 27.4946% | 590 |
| Total risk-based capital ratio | 28.5959% | 586 |
| Memoranda: | ||
| Average total assets | $135,148,500 | 3,593 |
| Average earning assets | $129,167,000 | 3,529 |
| Average equity | $20,138,000 | 3,148 |
| Average total loans | $69,177,000 | 3,881 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2896% | 3,151 |
| Cost of funding earning assets | 0.5057% | 3,313 |
| Net interest margin | 3.7838% | 2,730 |
| Noninterest income to average assets | 0.5534% | 2,530 |
| Noninterest expense to average assets | 2.7015% | 3,020 |
| Loan and lease loss provision to assets | 0.0195% | 3,774 |
| Net operating income to assets | 1.2023% | 2,163 |
| Return on assets (ROA) | 1.2023% | 2,156 |
| Pretax return on assets | 1.4496% | 1,957 |
| Return on Equity (ROE) | 8.2088% | 3,351 |
| Retained earnings to average equity (ytd only) | 6.1040% | 2,141 |
| Net charge-offs to loans | 0.0015% | 3,706 |
| Credit loss provision to net charge-offs | 2,600.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 1,954.0000% | 48 |
| Efficiency ratio | 64.7738% | 3,072 |
| Assets per employee ($millions) | 5.3105% | 2,138 |
| Cash dividends to net income (ytd only)* | 25.6410% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,609 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 50.3951% | 4,493 |
| Net loans and leases to deposits | 59.3449% | 4,512 |
| Net loans and leases to core deposits | 62.3762% | 4,521 |
| Total domestic deposits to total assets | 84.9190% | 2,676 |
| Equity capital to assets | 15.0087% | 707 |
| Core capital (leverage) ratio | 15.1687% | 658 |
| Tier 1 risk-based capital ratio | 28.5612% | 535 |
| Total risk-based capital ratio | 29.7115% | 534 |
| Memoranda: | ||
| Average total assets | $132,998,800 | 3,606 |
| Average earning assets | $127,146,000 | 3,540 |
| Average equity | $19,479,000 | 3,137 |
| Average total loans | $67,136,600 | 3,933 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 3,344 |
| Cost of funding earning assets | 0.4831% | 3,310 |
| Net interest margin | 3.7095% | 2,987 |
| Noninterest income to average assets | 0.5631% | 2,505 |
| Noninterest expense to average assets | 2.6304% | 3,198 |
| Loan and lease loss provision to assets | 0.0261% | 3,493 |
| Net operating income to assets | 1.2075% | 2,214 |
| Return on assets (ROA) | 1.2075% | 2,215 |
| Pretax return on assets | 1.4540% | 2,046 |
| Return on Equity (ROE) | 8.2956% | 3,418 |
| Retained earnings to average equity (ytd only) | 8.2956% | 1,518 |
| Net charge-offs to loans | 0.0020% | 3,420 |
| Credit loss provision to net charge-offs | 2,600.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 1,480.6617% | 50 |
| Efficiency ratio | 63.9932% | 3,187 |
| Assets per employee ($millions) | 5.1159% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 2,759 |
| Loan loss allowance to noncurrent loans | 442.3077% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 4,264 |
| Noncurrent loans to loans | 0.2660% | 3,734 |
| Net loans and leases to total assets | 50.8315% | 4,538 |
| Net loans and leases to deposits | 59.9364% | 4,554 |
| Net loans and leases to core deposits | 62.9298% | 4,577 |
| Total domestic deposits to total assets | 84.8091% | 2,683 |
| Equity capital to assets | 14.9578% | 733 |
| Core capital (leverage) ratio | 15.0799% | 686 |
| Tier 1 risk-based capital ratio | 28.2654% | 551 |
| Total risk-based capital ratio | 29.4029% | 551 |
| Memoranda: | ||
| Average total assets | $133,057,750 | 3,639 |
| Average earning assets | $127,237,500 | 3,575 |
| Average equity | $19,367,250 | 3,168 |
| Average total loans | $66,993,000 | 3,970 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 3,307 |
| Cost of funding earning assets | 0.4620% | 3,272 |
| Net interest margin | 3.6802% | 3,010 |
| Noninterest income to average assets | 0.5741% | 2,455 |
| Noninterest expense to average assets | 2.6407% | 3,189 |
| Loan and lease loss provision to assets | 0.0180% | 3,540 |
| Net operating income to assets | 1.1963% | 2,216 |
| Return on assets (ROA) | 1.1963% | 2,214 |
| Pretax return on assets | 1.4353% | 2,038 |
| Return on Equity (ROE) | 8.2956% | 3,363 |
| Retained earnings to average equity (ytd only) | 8.2956% | 1,492 |
| Net charge-offs to loans | 0.0030% | 3,082 |
| Credit loss provision to net charge-offs | 1,200.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 967.0000% | 81 |
| Efficiency ratio | 64.5007% | 3,246 |
| Assets per employee ($millions) | 5.0959% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 2,754 |
| Loan loss allowance to noncurrent loans | 434.6154% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 4,301 |
| Noncurrent loans to loans | 0.2749% | 3,728 |
| Net loans and leases to total assets | 49.3736% | 4,641 |
| Net loans and leases to deposits | 58.0386% | 4,640 |
| Net loans and leases to core deposits | 60.6454% | 4,671 |
| Total domestic deposits to total assets | 85.0703% | 2,643 |
| Equity capital to assets | 14.7320% | 752 |
| Core capital (leverage) ratio | 14.8266% | 711 |
| Tier 1 risk-based capital ratio | 28.4400% | 538 |
| Total risk-based capital ratio | 29.5881% | 537 |
| Memoranda: | ||
| Average total assets | $133,072,330 | 3,662 |
| Average earning assets | $127,277,000 | 3,598 |
| Average equity | $19,191,000 | 3,203 |
| Average total loans | $66,518,000 | 4,008 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 3,269 |
| Cost of funding earning assets | 0.4432% | 3,263 |
| Net interest margin | 3.6464% | 3,001 |
| Noninterest income to average assets | 0.5549% | 2,499 |
| Noninterest expense to average assets | 2.6364% | 3,227 |
| Loan and lease loss provision to assets | 0.0330% | 3,065 |
| Net operating income to assets | 1.1698% | 2,138 |
| Return on assets (ROA) | 1.1698% | 2,150 |
| Pretax return on assets | 1.3647% | 2,125 |
| Return on Equity (ROE) | 8.1989% | 3,294 |
| Retained earnings to average equity (ytd only) | 8.1989% | 1,768 |
| Net charge-offs to loans | 0.0060% | 2,518 |
| Credit loss provision to net charge-offs | 1,100.0000% | 320 |
| Earnings coverage of net charge-offs (x) | 466.0000% | 136 |
| Efficiency ratio | 65.3532% | 3,271 |
| Assets per employee ($millions) | 5.5767% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 2,863 |
| Loan loss allowance to noncurrent loans | 434.0659% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 4,409 |
| Noncurrent loans to loans | 0.2744% | 3,787 |
| Net loans and leases to total assets | 48.9708% | 4,634 |
| Net loans and leases to deposits | 57.2908% | 4,625 |
| Net loans and leases to core deposits | 59.8626% | 4,664 |
| Total domestic deposits to total assets | 85.4775% | 2,764 |
| Equity capital to assets | 14.3349% | 810 |
| Core capital (leverage) ratio | 14.4572% | 775 |
| Tier 1 risk-based capital ratio | 28.1204% | 551 |
| Total risk-based capital ratio | 29.2745% | 556 |
| Memoranda: | ||
| Average total assets | $133,361,500 | 3,688 |
| Average earning assets | $127,250,500 | 3,628 |
| Average equity | $19,027,000 | 3,246 |
| Average total loans | $66,673,000 | 4,041 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 2,748 |
| Cost of funding earning assets | 0.4372% | 2,900 |
| Net interest margin | 3.7461% | 2,620 |
| Noninterest income to average assets | 0.5908% | 2,494 |
| Noninterest expense to average assets | 2.5895% | 3,475 |
| Loan and lease loss provision to assets | 0.0420% | 3,414 |
| Net operating income to assets | 1.1732% | 1,604 |
| Return on assets (ROA) | 1.1732% | 1,627 |
| Pretax return on assets | 1.5416% | 1,481 |
| Return on Equity (ROE) | 8.3157% | 2,642 |
| Retained earnings to average equity (ytd only) | 6.1758% | 1,450 |
| Net charge-offs to loans | 0.0141% | 3,614 |
| Credit loss provision to net charge-offs | 550.0000% | 587 |
| Earnings coverage of net charge-offs (x) | 207.2000% | 385 |
| Efficiency ratio | 62.0513% | 3,928 |
| Assets per employee ($millions) | 5.7775% | 1,679 |
| Cash dividends to net income (ytd only)* | 25.7329% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 2,989 |
| Loan loss allowance to noncurrent loans | 541.6667% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 4,588 |
| Noncurrent loans to loans | 0.2149% | 4,052 |
| Net loans and leases to total assets | 49.8435% | 4,654 |
| Net loans and leases to deposits | 58.1358% | 4,686 |
| Net loans and leases to core deposits | 61.3854% | 4,688 |
| Total domestic deposits to total assets | 85.7362% | 2,560 |
| Equity capital to assets | 14.1991% | 856 |
| Core capital (leverage) ratio | 14.1015% | 813 |
| Tier 1 risk-based capital ratio | 26.9939% | 597 |
| Total risk-based capital ratio | 28.1103% | 593 |
| Memoranda: | ||
| Average total assets | $130,834,600 | 3,738 |
| Average earning assets | $125,118,000 | 3,663 |
| Average equity | $18,459,000 | 3,308 |
| Average total loans | $70,952,600 | 3,940 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 2,672 |
| Cost of funding earning assets | 0.4337% | 2,863 |
| Net interest margin | 3.7492% | 2,580 |
| Noninterest income to average assets | 0.6005% | 2,488 |
| Noninterest expense to average assets | 2.6150% | 3,361 |
| Loan and lease loss provision to assets | 0.0501% | 3,092 |
| Net operating income to assets | 1.1857% | 1,754 |
| Return on assets (ROA) | 1.1857% | 1,791 |
| Pretax return on assets | 1.5264% | 1,679 |
| Return on Equity (ROE) | 8.4181% | 2,923 |
| Retained earnings to average equity (ytd only) | 8.4181% | 1,046 |
| Net charge-offs to loans | 0.0167% | 3,183 |
| Credit loss provision to net charge-offs | 544.4444% | 581 |
| Earnings coverage of net charge-offs (x) | 171.2183% | 493 |
| Efficiency ratio | 62.3871% | 3,827 |
| Assets per employee ($millions) | 5.3481% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 3,467 |
| Loan loss allowance to noncurrent loans | 651.2605% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 4,792 |
| Noncurrent loans to loans | 0.1693% | 4,388 |
| Net loans and leases to total assets | 51.9955% | 4,564 |
| Net loans and leases to deposits | 60.7461% | 4,594 |
| Net loans and leases to core deposits | 64.2718% | 4,593 |
| Total domestic deposits to total assets | 85.5948% | 2,479 |
| Equity capital to assets | 14.1711% | 949 |
| Core capital (leverage) ratio | 14.2344% | 829 |
| Tier 1 risk-based capital ratio | 26.8141% | 628 |
| Total risk-based capital ratio | 27.9148% | 624 |
| Memoranda: | ||
| Average total assets | $130,322,750 | 3,781 |
| Average earning assets | $124,822,750 | 3,696 |
| Average equity | $18,356,750 | 3,349 |
| Average total loans | $71,937,500 | 3,951 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1974% | 2,482 |
| Cost of funding earning assets | 0.4288% | 2,816 |
| Net interest margin | 3.7686% | 2,416 |
| Noninterest income to average assets | 0.6254% | 2,344 |
| Noninterest expense to average assets | 2.6533% | 3,252 |
| Loan and lease loss provision to assets | 0.0464% | 3,062 |
| Net operating income to assets | 1.2013% | 1,595 |
| Return on assets (ROA) | 1.2013% | 1,629 |
| Pretax return on assets | 1.5310% | 1,540 |
| Return on Equity (ROE) | 8.5463% | 2,753 |
| Retained earnings to average equity (ytd only) | 8.5463% | 984 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7150% | 3,860 |
| Assets per employee ($millions) | 5.2846% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 3,774 |
| Loan loss allowance to noncurrent loans | 642.8571% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 4,831 |
| Noncurrent loans to loans | 0.1652% | 4,453 |
| Net loans and leases to total assets | 53.9352% | 4,393 |
| Net loans and leases to deposits | 62.9006% | 4,439 |
| Net loans and leases to core deposits | 66.3103% | 4,449 |
| Total domestic deposits to total assets | 85.7466% | 2,502 |
| Equity capital to assets | 14.0558% | 944 |
| Core capital (leverage) ratio | 14.0912% | 837 |
| Tier 1 risk-based capital ratio | 25.9324% | 678 |
| Total risk-based capital ratio | 27.0049% | 677 |
| Memoranda: | ||
| Average total assets | $129,196,330 | 3,817 |
| Average earning assets | $123,600,000 | 3,742 |
| Average equity | $18,160,000 | 3,378 |
| Average total loans | $72,485,330 | 3,960 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 2,165 |
| Cost of funding earning assets | 0.4260% | 2,759 |
| Net interest margin | 3.8045% | 2,099 |
| Noninterest income to average assets | 0.6138% | 2,353 |
| Noninterest expense to average assets | 2.7150% | 3,087 |
| Loan and lease loss provision to assets | 0.0470% | 2,872 |
| Net operating income to assets | 1.1806% | 1,554 |
| Return on assets (ROA) | 1.1806% | 1,597 |
| Pretax return on assets | 1.4874% | 1,581 |
| Return on Equity (ROE) | 8.3988% | 2,719 |
| Retained earnings to average equity (ytd only) | 8.3988% | 1,312 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8909% | 3,855 |
| Assets per employee ($millions) | 4.9355% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 4,136 |
| Loan loss allowance to noncurrent loans | 630.2521% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 4,900 |
| Noncurrent loans to loans | 0.1626% | 4,535 |
| Net loans and leases to total assets | 56.4650% | 4,120 |
| Net loans and leases to deposits | 65.9533% | 4,175 |
| Net loans and leases to core deposits | 69.6200% | 4,175 |
| Total domestic deposits to total assets | 85.6135% | 2,834 |
| Equity capital to assets | 14.1488% | 864 |
| Core capital (leverage) ratio | 14.3063% | 765 |
| Tier 1 risk-based capital ratio | 25.3286% | 748 |
| Total risk-based capital ratio | 26.3783% | 742 |
| Memoranda: | ||
| Average total assets | $127,736,500 | 3,879 |
| Average earning assets | $122,065,000 | 3,809 |
| Average equity | $17,955,000 | 3,413 |
| Average total loans | $72,717,000 | 3,983 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 2,524 |
| Cost of funding earning assets | 0.4040% | 2,961 |
| Net interest margin | 3.7847% | 2,372 |
| Noninterest income to average assets | 0.5181% | 3,112 |
| Noninterest expense to average assets | 2.6447% | 3,542 |
| Loan and lease loss provision to assets | 0.0371% | 3,625 |
| Net operating income to assets | 1.1243% | 1,804 |
| Return on assets (ROA) | 1.1243% | 1,885 |
| Pretax return on assets | 1.4602% | 1,712 |
| Return on Equity (ROE) | 8.3637% | 2,758 |
| Retained earnings to average equity (ytd only) | 6.1694% | 1,620 |
| Net charge-offs to loans | 0.0028% | 4,164 |
| Credit loss provision to net charge-offs | 2,400.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 969.5000% | 81 |
| Efficiency ratio | 63.8516% | 3,961 |
| Assets per employee ($millions) | 4.7093% | 2,775 |
| Cash dividends to net income (ytd only)* | 26.2363% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 4,210 |
| Loan loss allowance to noncurrent loans | 617.6471% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 4,955 |
| Noncurrent loans to loans | 0.1648% | 4,573 |
| Net loans and leases to total assets | 56.2261% | 4,247 |
| Net loans and leases to deposits | 65.4269% | 4,296 |
| Net loans and leases to core deposits | 69.2987% | 4,304 |
| Total domestic deposits to total assets | 85.9372% | 2,612 |
| Equity capital to assets | 13.9629% | 901 |
| Core capital (leverage) ratio | 13.9113% | 837 |
| Tier 1 risk-based capital ratio | 24.8576% | 782 |
| Total risk-based capital ratio | 25.8887% | 787 |
| Memoranda: | ||
| Average total assets | $129,503,400 | 3,838 |
| Average earning assets | $123,997,800 | 3,751 |
| Average equity | $17,408,600 | 3,497 |
| Average total loans | $70,771,200 | 4,025 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 2,557 |
| Cost of funding earning assets | 0.3988% | 3,034 |
| Net interest margin | 3.7873% | 2,377 |
| Noninterest income to average assets | 0.5155% | 3,148 |
| Noninterest expense to average assets | 2.6616% | 3,460 |
| Loan and lease loss provision to assets | 0.0410% | 3,418 |
| Net operating income to assets | 1.0946% | 2,024 |
| Return on assets (ROA) | 1.0946% | 2,125 |
| Pretax return on assets | 1.4430% | 1,906 |
| Return on Equity (ROE) | 8.2204% | 2,895 |
| Retained earnings to average equity (ytd only) | 8.2204% | 1,077 |
| Net charge-offs to loans | -0.0019% | 4,489 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2027% | 3,895 |
| Assets per employee ($millions) | 4.5431% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 4,167 |
| Loan loss allowance to noncurrent loans | 613.4454% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 5,068 |
| Noncurrent loans to loans | 0.1700% | 4,678 |
| Net loans and leases to total assets | 54.4581% | 4,452 |
| Net loans and leases to deposits | 63.5384% | 4,518 |
| Net loans and leases to core deposits | 67.1240% | 4,540 |
| Total domestic deposits to total assets | 85.7090% | 2,502 |
| Equity capital to assets | 14.0355% | 1,017 |
| Core capital (leverage) ratio | 13.6560% | 954 |
| Tier 1 risk-based capital ratio | 25.3979% | 770 |
| Total risk-based capital ratio | 26.4445% | 779 |
| Memoranda: | ||
| Average total assets | $130,091,500 | 3,848 |
| Average earning assets | $124,694,750 | 3,763 |
| Average equity | $17,322,250 | 3,537 |
| Average total loans | $70,407,250 | 4,065 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 2,542 |
| Cost of funding earning assets | 0.3915% | 3,137 |
| Net interest margin | 3.7976% | 2,327 |
| Noninterest income to average assets | 0.4716% | 3,400 |
| Noninterest expense to average assets | 2.6310% | 3,608 |
| Loan and lease loss provision to assets | 0.0458% | 3,233 |
| Net operating income to assets | 1.1430% | 1,801 |
| Return on assets (ROA) | 1.1430% | 1,916 |
| Pretax return on assets | 1.4361% | 1,884 |
| Return on Equity (ROE) | 8.7372% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.7372% | 924 |
| Net charge-offs to loans | -0.0028% | 4,414 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9703% | 4,022 |
| Assets per employee ($millions) | 4.6657% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 4,374 |
| Loan loss allowance to noncurrent loans | 605.0420% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 5,156 |
| Noncurrent loans to loans | 0.1695% | 4,758 |
| Net loans and leases to total assets | 53.1759% | 4,570 |
| Net loans and leases to deposits | 61.6319% | 4,686 |
| Net loans and leases to core deposits | 65.1355% | 4,674 |
| Total domestic deposits to total assets | 86.2799% | 2,283 |
| Equity capital to assets | 13.4308% | 1,270 |
| Core capital (leverage) ratio | 13.3123% | 1,053 |
| Tier 1 risk-based capital ratio | 24.9362% | 814 |
| Total risk-based capital ratio | 25.9684% | 825 |
| Memoranda: | ||
| Average total assets | $131,053,330 | 3,861 |
| Average earning assets | $125,656,670 | 3,769 |
| Average equity | $17,145,000 | 3,570 |
| Average total loans | $70,541,670 | 4,080 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2186% | 2,407 |
| Cost of funding earning assets | 0.3881% | 3,211 |
| Net interest margin | 3.8305% | 2,181 |
| Noninterest income to average assets | 0.4510% | 3,476 |
| Noninterest expense to average assets | 2.5842% | 3,798 |
| Loan and lease loss provision to assets | 0.0457% | 3,003 |
| Net operating income to assets | 1.1793% | 1,618 |
| Return on assets (ROA) | 1.1793% | 1,719 |
| Pretax return on assets | 1.4902% | 1,627 |
| Return on Equity (ROE) | 9.1357% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.1357% | 1,070 |
| Net charge-offs to loans | -0.0057% | 4,327 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7219% | 4,340 |
| Assets per employee ($millions) | 4.8655% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 4,628 |
| Loan loss allowance to noncurrent loans | 592.4370% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 5,223 |
| Noncurrent loans to loans | 0.1684% | 4,818 |
| Net loans and leases to total assets | 53.2664% | 4,514 |
| Net loans and leases to deposits | 61.4263% | 4,621 |
| Net loans and leases to core deposits | 64.7108% | 4,643 |
| Total domestic deposits to total assets | 86.7159% | 2,349 |
| Equity capital to assets | 13.0595% | 1,385 |
| Core capital (leverage) ratio | 12.9228% | 1,189 |
| Tier 1 risk-based capital ratio | 24.2324% | 893 |
| Total risk-based capital ratio | 25.2355% | 904 |
| Memoranda: | ||
| Average total assets | $131,260,000 | 3,891 |
| Average earning assets | $125,729,000 | 3,793 |
| Average equity | $16,944,500 | 3,598 |
| Average total loans | $70,718,000 | 4,099 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1663% | 2,682 |
| Cost of funding earning assets | 0.4169% | 2,978 |
| Net interest margin | 3.7495% | 2,556 |
| Noninterest income to average assets | 0.4639% | 3,570 |
| Noninterest expense to average assets | 2.6464% | 3,768 |
| Loan and lease loss provision to assets | 0.0155% | 4,099 |
| Net operating income to assets | 1.1067% | 1,893 |
| Return on assets (ROA) | 1.1067% | 1,958 |
| Pretax return on assets | 1.3755% | 1,995 |
| Return on Equity (ROE) | 8.7456% | 2,600 |
| Retained earnings to average equity (ytd only) | 6.4506% | 1,564 |
| Net charge-offs to loans | 0.0014% | 4,428 |
| Credit loss provision to net charge-offs | 2,000.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 1,796.0000% | 22 |
| Efficiency ratio | 65.5477% | 3,974 |
| Assets per employee ($millions) | 5.0443% | 2,315 |
| Cash dividends to net income (ytd only)* | 26.2421% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 4,737 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 4,968 |
| Noncurrent loans to loans | 0.2926% | 4,411 |
| Net loans and leases to total assets | 53.4235% | 4,549 |
| Net loans and leases to deposits | 61.3033% | 4,684 |
| Net loans and leases to core deposits | 64.1237% | 4,735 |
| Total domestic deposits to total assets | 87.1462% | 2,052 |
| Equity capital to assets | 12.7585% | 1,482 |
| Core capital (leverage) ratio | 12.6627% | 1,279 |
| Tier 1 risk-based capital ratio | 23.3507% | 970 |
| Total risk-based capital ratio | 24.3186% | 992 |
| Memoranda: | ||
| Average total assets | $129,121,200 | 3,902 |
| Average earning assets | $123,057,800 | 3,816 |
| Average equity | $16,339,600 | 3,625 |
| Average total loans | $69,096,600 | 4,120 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1570% | 2,727 |
| Cost of funding earning assets | 0.4210% | 3,002 |
| Net interest margin | 3.7359% | 2,626 |
| Noninterest income to average assets | 0.4592% | 3,647 |
| Noninterest expense to average assets | 2.5834% | 3,931 |
| Loan and lease loss provision to assets | 0.0207% | 3,859 |
| Net operating income to assets | 1.1383% | 1,872 |
| Return on assets (ROA) | 1.1383% | 1,940 |
| Pretax return on assets | 1.4151% | 1,952 |
| Return on Equity (ROE) | 9.0138% | 2,571 |
| Retained earnings to average equity (ytd only) | 9.0138% | 901 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2765% | 4,199 |
| Assets per employee ($millions) | 5.4360% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 4,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 52.7904% | 4,682 |
| Net loans and leases to deposits | 60.7517% | 4,800 |
| Net loans and leases to core deposits | 63.5659% | 4,841 |
| Total domestic deposits to total assets | 86.8953% | 2,098 |
| Equity capital to assets | 12.8839% | 1,516 |
| Core capital (leverage) ratio | 12.7919% | 1,276 |
| Tier 1 risk-based capital ratio | 23.7678% | 968 |
| Total risk-based capital ratio | 24.7519% | 986 |
| Memoranda: | ||
| Average total assets | $128,613,500 | 3,958 |
| Average earning assets | $122,554,000 | 3,872 |
| Average equity | $16,241,250 | 3,667 |
| Average total loans | $68,681,750 | 4,166 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 2,699 |
| Cost of funding earning assets | 0.4294% | 2,940 |
| Net interest margin | 3.7265% | 2,595 |
| Noninterest income to average assets | 0.4359% | 3,808 |
| Noninterest expense to average assets | 2.5688% | 4,006 |
| Loan and lease loss provision to assets | 0.0156% | 3,811 |
| Net operating income to assets | 1.1094% | 1,911 |
| Return on assets (ROA) | 1.1094% | 1,998 |
| Pretax return on assets | 1.3907% | 2,014 |
| Return on Equity (ROE) | 8.8462% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.8462% | 977 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6226% | 4,254 |
| Assets per employee ($millions) | 4.6842% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 5,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 52.9724% | 4,665 |
| Net loans and leases to deposits | 60.6707% | 4,795 |
| Net loans and leases to core deposits | 63.4493% | 4,851 |
| Total domestic deposits to total assets | 87.3114% | 2,005 |
| Equity capital to assets | 12.4919% | 1,660 |
| Core capital (leverage) ratio | 12.6996% | 1,294 |
| Tier 1 risk-based capital ratio | 22.9716% | 1,088 |
| Total risk-based capital ratio | 23.9312% | 1,095 |
| Memoranda: | ||
| Average total assets | $127,996,330 | 3,995 |
| Average earning assets | $121,561,000 | 3,919 |
| Average equity | $16,052,000 | 3,714 |
| Average total loans | $68,387,670 | 4,204 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 2,480 |
| Cost of funding earning assets | 0.4445% | 2,831 |
| Net interest margin | 3.7498% | 2,436 |
| Noninterest income to average assets | 0.4177% | 3,860 |
| Noninterest expense to average assets | 2.5471% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1296% | 1,755 |
| Return on assets (ROA) | 1.1296% | 1,862 |
| Pretax return on assets | 1.4207% | 1,805 |
| Return on Equity (ROE) | 8.9890% | 2,452 |
| Retained earnings to average equity (ytd only) | 8.9890% | 1,197 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1946% | 4,446 |
| Assets per employee ($millions) | 5.3029% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 5,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3709% | 4,532 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 52.2770% | 4,643 |
| Net loans and leases to deposits | 59.9877% | 4,747 |
| Net loans and leases to core deposits | 62.8239% | 4,790 |
| Total domestic deposits to total assets | 87.1462% | 2,293 |
| Equity capital to assets | 12.6306% | 1,613 |
| Core capital (leverage) ratio | 12.5919% | 1,322 |
| Tier 1 risk-based capital ratio | 23.4303% | 1,054 |
| Total risk-based capital ratio | 24.4160% | 1,063 |
| Memoranda: | ||
| Average total assets | $126,416,000 | 4,057 |
| Average earning assets | $119,685,500 | 3,983 |
| Average equity | $15,886,000 | 3,766 |
| Average total loans | $67,502,500 | 4,251 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 1,552 |
| Cost of funding earning assets | 0.4551% | 3,119 |
| Net interest margin | 4.1483% | 1,439 |
| Noninterest income to average assets | 0.5288% | 3,300 |
| Noninterest expense to average assets | 2.6943% | 3,881 |
| Loan and lease loss provision to assets | 0.0311% | 3,981 |
| Net operating income to assets | 1.2775% | 1,354 |
| Return on assets (ROA) | 1.2775% | 1,404 |
| Pretax return on assets | 1.7358% | 917 |
| Return on Equity (ROE) | 10.0244% | 2,106 |
| Retained earnings to average equity (ytd only) | 7.5743% | 1,170 |
| Net charge-offs to loans | 0.0119% | 4,661 |
| Credit loss provision to net charge-offs | 462.5000% | 570 |
| Earnings coverage of net charge-offs (x) | 263.1250% | 204 |
| Efficiency ratio | 60.3951% | 5,164 |
| Assets per employee ($millions) | 5.0225% | 2,292 |
| Cash dividends to net income (ytd only)* | 24.4415% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 5,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 4,569 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 53.4636% | 4,640 |
| Net loans and leases to deposits | 61.1563% | 4,795 |
| Net loans and leases to core deposits | 63.8197% | 4,839 |
| Total domestic deposits to total assets | 87.4214% | 2,074 |
| Equity capital to assets | 12.5014% | 1,650 |
| Core capital (leverage) ratio | 12.8234% | 1,205 |
| Tier 1 risk-based capital ratio | 22.9095% | 1,101 |
| Total risk-based capital ratio | 23.8954% | 1,113 |
| Memoranda: | ||
| Average total assets | $119,139,000 | 4,199 |
| Average earning assets | $112,937,200 | 4,113 |
| Average equity | $15,183,000 | 3,802 |
| Average total loans | $67,273,400 | 4,256 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6533% | 1,425 |
| Cost of funding earning assets | 0.4623% | 3,129 |
| Net interest margin | 4.1910% | 1,311 |
| Noninterest income to average assets | 0.5400% | 3,262 |
| Noninterest expense to average assets | 2.7146% | 3,773 |
| Loan and lease loss provision to assets | 0.0420% | 3,556 |
| Net operating income to assets | 1.2978% | 1,378 |
| Return on assets (ROA) | 1.2978% | 1,433 |
| Pretax return on assets | 1.7629% | 958 |
| Return on Equity (ROE) | 10.1319% | 2,154 |
| Retained earnings to average equity (ytd only) | 10.1319% | 671 |
| Net charge-offs to loans | 0.0159% | 4,225 |
| Credit loss provision to net charge-offs | 462.5000% | 617 |
| Earnings coverage of net charge-offs (x) | 198.8079% | 321 |
| Efficiency ratio | 60.0653% | 5,172 |
| Assets per employee ($millions) | 4.4264% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 5,343 |
| Loan loss allowance to noncurrent loans | 155.6845% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 4,842 |
| Noncurrent loans to loans | 0.6234% | 4,053 |
| Net loans and leases to total assets | 57.2867% | 4,169 |
| Net loans and leases to deposits | 66.1255% | 4,317 |
| Net loans and leases to core deposits | 69.0074% | 4,414 |
| Total domestic deposits to total assets | 86.6333% | 2,507 |
| Equity capital to assets | 13.1166% | 1,371 |
| Core capital (leverage) ratio | 12.6475% | 1,330 |
| Tier 1 risk-based capital ratio | 22.6872% | 1,161 |
| Total risk-based capital ratio | 23.6640% | 1,186 |
| Memoranda: | ||
| Average total assets | $117,533,250 | 4,271 |
| Average earning assets | $111,602,750 | 4,182 |
| Average equity | $15,054,500 | 3,848 |
| Average total loans | $67,141,500 | 4,305 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6495% | 1,402 |
| Cost of funding earning assets | 0.4619% | 3,193 |
| Net interest margin | 4.1876% | 1,282 |
| Noninterest income to average assets | 0.5100% | 3,404 |
| Noninterest expense to average assets | 2.7260% | 3,771 |
| Loan and lease loss provision to assets | 0.0376% | 3,543 |
| Net operating income to assets | 1.2595% | 1,418 |
| Return on assets (ROA) | 1.2595% | 1,482 |
| Pretax return on assets | 1.7181% | 980 |
| Return on Equity (ROE) | 9.9142% | 2,185 |
| Retained earnings to average equity (ytd only) | 9.9142% | 733 |
| Net charge-offs to loans | 0.0241% | 3,715 |
| Credit loss provision to net charge-offs | 275.0000% | 922 |
| Earnings coverage of net charge-offs (x) | 128.2500% | 467 |
| Efficiency ratio | 60.8247% | 5,174 |
| Assets per employee ($millions) | 5.1206% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 5,492 |
| Loan loss allowance to noncurrent loans | 152.2042% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 4,976 |
| Noncurrent loans to loans | 0.6362% | 4,119 |
| Net loans and leases to total assets | 54.5893% | 4,471 |
| Net loans and leases to deposits | 62.4780% | 4,644 |
| Net loans and leases to core deposits | 65.0957% | 4,722 |
| Total domestic deposits to total assets | 87.3737% | 2,265 |
| Equity capital to assets | 12.4302% | 1,691 |
| Core capital (leverage) ratio | 12.7650% | 1,256 |
| Tier 1 risk-based capital ratio | 22.3947% | 1,208 |
| Total risk-based capital ratio | 23.3626% | 1,225 |
| Memoranda: | ||
| Average total assets | $116,873,330 | 4,308 |
| Average earning assets | $110,850,000 | 4,222 |
| Average equity | $14,847,330 | 3,886 |
| Average total loans | $66,476,670 | 4,340 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7330% | 1,188 |
| Cost of funding earning assets | 0.4722% | 3,208 |
| Net interest margin | 4.2608% | 1,078 |
| Noninterest income to average assets | 0.4216% | 4,020 |
| Noninterest expense to average assets | 2.8209% | 3,489 |
| Loan and lease loss provision to assets | 0.0351% | 3,353 |
| Net operating income to assets | 1.1769% | 1,547 |
| Return on assets (ROA) | 1.1769% | 1,613 |
| Pretax return on assets | 1.5914% | 1,192 |
| Return on Equity (ROE) | 9.1574% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.1574% | 1,205 |
| Net charge-offs to loans | 0.0547% | 2,615 |
| Credit loss provision to net charge-offs | 111.1111% | 1,536 |
| Earnings coverage of net charge-offs (x) | 51.4444% | 739 |
| Efficiency ratio | 63.4281% | 4,947 |
| Assets per employee ($millions) | 4.6108% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 5,620 |
| Loan loss allowance to noncurrent loans | 149.1879% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 5,034 |
| Noncurrent loans to loans | 0.6527% | 4,229 |
| Net loans and leases to total assets | 56.7289% | 4,046 |
| Net loans and leases to deposits | 65.2869% | 4,169 |
| Net loans and leases to core deposits | 68.2240% | 4,283 |
| Total domestic deposits to total assets | 86.8918% | 2,877 |
| Equity capital to assets | 12.8549% | 1,382 |
| Core capital (leverage) ratio | 13.0044% | 1,159 |
| Tier 1 risk-based capital ratio | 22.5534% | 1,198 |
| Total risk-based capital ratio | 23.5348% | 1,222 |
| Memoranda: | ||
| Average total assets | $113,863,000 | 4,415 |
| Average earning assets | $107,585,000 | 4,327 |
| Average equity | $14,633,000 | 3,923 |
| Average total loans | $65,843,500 | 4,394 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7190% | 1,520 |
| Cost of funding earning assets | 0.5319% | 3,271 |
| Net interest margin | 4.1871% | 1,394 |
| Noninterest income to average assets | 0.6686% | 2,711 |
| Noninterest expense to average assets | 2.7451% | 3,928 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4658% | 887 |
| Return on assets (ROA) | 1.4658% | 933 |
| Pretax return on assets | 1.8729% | 645 |
| Return on Equity (ROE) | 11.7931% | 1,490 |
| Retained earnings to average equity (ytd only) | 9.3296% | 700 |
| Net charge-offs to loans | 0.0328% | 4,777 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 99.9048% | 465 |
| Efficiency ratio | 59.4433% | 5,548 |
| Assets per employee ($millions) | 4.4982% | 2,903 |
| Cash dividends to net income (ytd only)* | 20.8892% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 5,670 |
| Loan loss allowance to noncurrent loans | 148.9559% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 4,336 |
| Noncurrent loans to loans | 0.6565% | 4,328 |
| Net loans and leases to total assets | 57.8098% | 4,068 |
| Net loans and leases to deposits | 66.4038% | 4,254 |
| Net loans and leases to core deposits | 69.6553% | 4,320 |
| Total domestic deposits to total assets | 87.0579% | 2,695 |
| Equity capital to assets | 12.8478% | 1,346 |
| Core capital (leverage) ratio | 12.9843% | 1,145 |
| Tier 1 risk-based capital ratio | 22.0282% | 1,254 |
| Total risk-based capital ratio | 23.0075% | 1,279 |
| Memoranda: | ||
| Average total assets | $112,019,000 | 4,457 |
| Average earning assets | $105,658,600 | 4,372 |
| Average equity | $13,923,400 | 4,085 |
| Average total loans | $64,096,200 | 4,480 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 1,610 |
| Cost of funding earning assets | 0.5550% | 3,212 |
| Net interest margin | 4.1399% | 1,512 |
| Noninterest income to average assets | 0.7172% | 2,523 |
| Noninterest expense to average assets | 2.7128% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3939% | 1,116 |
| Return on assets (ROA) | 1.3939% | 1,165 |
| Pretax return on assets | 1.9146% | 688 |
| Return on Equity (ROE) | 11.3104% | 1,702 |
| Retained earnings to average equity (ytd only) | 11.3104% | 520 |
| Net charge-offs to loans | 0.0021% | 5,172 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,610.9850% | 15 |
| Efficiency ratio | 58.6251% | 5,610 |
| Assets per employee ($millions) | 4.4614% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 5,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 5,849 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 58.0674% | 4,003 |
| Net loans and leases to deposits | 66.9070% | 4,189 |
| Net loans and leases to core deposits | 69.3538% | 4,391 |
| Total domestic deposits to total assets | 86.7881% | 2,810 |
| Equity capital to assets | 12.8828% | 1,383 |
| Core capital (leverage) ratio | 12.7496% | 1,303 |
| Tier 1 risk-based capital ratio | 22.0220% | 1,314 |
| Total risk-based capital ratio | 23.0399% | 1,332 |
| Memoranda: | ||
| Average total assets | $111,910,000 | 4,506 |
| Average earning assets | $105,699,750 | 4,412 |
| Average equity | $13,792,250 | 4,154 |
| Average total loans | $63,707,250 | 4,536 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6520% | 1,698 |
| Cost of funding earning assets | 0.5746% | 3,171 |
| Net interest margin | 4.0774% | 1,609 |
| Noninterest income to average assets | 0.6052% | 3,156 |
| Noninterest expense to average assets | 2.6831% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2942% | 1,336 |
| Return on assets (ROA) | 1.2942% | 1,427 |
| Pretax return on assets | 1.7727% | 978 |
| Return on Equity (ROE) | 10.6618% | 1,942 |
| Retained earnings to average equity (ytd only) | 10.6618% | 710 |
| Net charge-offs to loans | 0.0032% | 4,857 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 993.0000% | 30 |
| Efficiency ratio | 60.2163% | 5,457 |
| Assets per employee ($millions) | 4.4790% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 5,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 5,701 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 55.9125% | 4,308 |
| Net loans and leases to deposits | 63.9804% | 4,504 |
| Net loans and leases to core deposits | 66.5611% | 4,635 |
| Total domestic deposits to total assets | 87.3900% | 2,596 |
| Equity capital to assets | 12.3778% | 1,651 |
| Core capital (leverage) ratio | 12.2929% | 1,457 |
| Tier 1 risk-based capital ratio | 21.9437% | 1,293 |
| Total risk-based capital ratio | 22.9906% | 1,317 |
| Memoranda: | ||
| Average total assets | $112,034,670 | 4,538 |
| Average earning assets | $105,804,000 | 4,442 |
| Average equity | $13,600,000 | 4,224 |
| Average total loans | $63,133,670 | 4,572 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7079% | 1,514 |
| Cost of funding earning assets | 0.5871% | 3,240 |
| Net interest margin | 4.1208% | 1,402 |
| Noninterest income to average assets | 0.5675% | 3,326 |
| Noninterest expense to average assets | 2.6806% | 4,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2921% | 1,298 |
| Return on assets (ROA) | 1.2921% | 1,399 |
| Pretax return on assets | 1.7704% | 934 |
| Return on Equity (ROE) | 10.7498% | 1,776 |
| Retained earnings to average equity (ytd only) | 10.7498% | 926 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2245% | 5,555 |
| Assets per employee ($millions) | 4.4663% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 5,818 |
| Loan loss allowance to noncurrent loans | 2,009.0909% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 5,696 |
| Noncurrent loans to loans | 0.0519% | 6,319 |
| Net loans and leases to total assets | 56.3225% | 4,041 |
| Net loans and leases to deposits | 64.3863% | 4,270 |
| Net loans and leases to core deposits | 66.9819% | 4,417 |
| Total domestic deposits to total assets | 87.4759% | 2,644 |
| Equity capital to assets | 12.2240% | 1,893 |
| Core capital (leverage) ratio | 11.9917% | 1,569 |
| Tier 1 risk-based capital ratio | 21.3675% | 1,458 |
| Total risk-based capital ratio | 22.4158% | 1,473 |
| Memoranda: | ||
| Average total assets | $112,064,500 | 4,576 |
| Average earning assets | $105,609,500 | 4,482 |
| Average equity | $13,470,000 | 4,291 |
| Average total loans | $63,065,500 | 4,598 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0779% | 1,356 |
| Cost of funding earning assets | 0.6559% | 3,864 |
| Net interest margin | 4.4220% | 1,111 |
| Noninterest income to average assets | 0.5854% | 3,359 |
| Noninterest expense to average assets | 2.9207% | 3,562 |
| Loan and lease loss provision to assets | 0.1119% | 4,233 |
| Net operating income to assets | 1.2690% | 1,400 |
| Return on assets (ROA) | 1.2690% | 1,551 |
| Pretax return on assets | 1.7223% | 1,087 |
| Return on Equity (ROE) | 10.7511% | 1,888 |
| Retained earnings to average equity (ytd only) | 7.5794% | 1,290 |
| Net charge-offs to loans | 0.1202% | 4,487 |
| Credit loss provision to net charge-offs | 160.5263% | 1,676 |
| Earnings coverage of net charge-offs (x) | 26.3026% | 1,105 |
| Efficiency ratio | 61.4242% | 5,329 |
| Assets per employee ($millions) | 4.6863% | 2,659 |
| Cash dividends to net income (ytd only)* | 29.5011% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 5,728 |
| Loan loss allowance to noncurrent loans | 682.4742% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 5,531 |
| Noncurrent loans to loans | 0.1550% | 6,092 |
| Net loans and leases to total assets | 55.0519% | 4,445 |
| Net loans and leases to deposits | 62.5100% | 4,725 |
| Net loans and leases to core deposits | 65.3681% | 4,801 |
| Total domestic deposits to total assets | 88.0690% | 2,199 |
| Equity capital to assets | 11.8172% | 2,166 |
| Core capital (leverage) ratio | 11.7687% | 1,691 |
| Tier 1 risk-based capital ratio | 20.6647% | 1,528 |
| Total risk-based capital ratio | 21.7049% | 1,543 |
| Memoranda: | ||
| Average total assets | $108,982,400 | 4,616 |
| Average earning assets | $102,758,800 | 4,524 |
| Average equity | $12,863,800 | 4,389 |
| Average total loans | $63,208,600 | 4,590 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1252% | 1,367 |
| Cost of funding earning assets | 0.6656% | 4,057 |
| Net interest margin | 4.4596% | 1,074 |
| Noninterest income to average assets | 0.5735% | 3,451 |
| Noninterest expense to average assets | 2.9303% | 3,477 |
| Loan and lease loss provision to assets | 0.1505% | 3,658 |
| Net operating income to assets | 1.2543% | 1,565 |
| Return on assets (ROA) | 1.2543% | 1,727 |
| Pretax return on assets | 1.7069% | 1,252 |
| Return on Equity (ROE) | 10.6292% | 2,087 |
| Retained earnings to average equity (ytd only) | 9.6572% | 1,011 |
| Net charge-offs to loans | 0.0610% | 4,812 |
| Credit loss provision to net charge-offs | 420.6897% | 638 |
| Earnings coverage of net charge-offs (x) | 51.9253% | 733 |
| Efficiency ratio | 61.2056% | 5,276 |
| Assets per employee ($millions) | 4.0799% | 3,718 |
| Cash dividends to net income (ytd only)* | 9.1447% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 5,662 |
| Loan loss allowance to noncurrent loans | 549.6124% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 5,634 |
| Noncurrent loans to loans | 0.2027% | 6,103 |
| Net loans and leases to total assets | 57.1176% | 4,275 |
| Net loans and leases to deposits | 65.1585% | 4,574 |
| Net loans and leases to core deposits | 68.0250% | 4,722 |
| Total domestic deposits to total assets | 87.6594% | 2,255 |
| Equity capital to assets | 12.0437% | 2,217 |
| Core capital (leverage) ratio | 11.8861% | 1,723 |
| Tier 1 risk-based capital ratio | 20.6921% | 1,597 |
| Total risk-based capital ratio | 21.8119% | 1,591 |
| Memoranda: | ||
| Average total assets | $108,110,000 | 4,683 |
| Average earning assets | $102,159,500 | 4,592 |
| Average equity | $12,757,000 | 4,454 |
| Average total loans | $63,365,750 | 4,634 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1890% | 1,287 |
| Cost of funding earning assets | 0.6779% | 4,198 |
| Net interest margin | 4.5110% | 976 |
| Noninterest income to average assets | 0.5920% | 3,304 |
| Noninterest expense to average assets | 2.9192% | 3,551 |
| Loan and lease loss provision to assets | 0.2271% | 2,802 |
| Net operating income to assets | 1.2604% | 1,544 |
| Return on assets (ROA) | 1.2604% | 1,711 |
| Pretax return on assets | 1.7072% | 1,236 |
| Return on Equity (ROE) | 10.7571% | 2,073 |
| Retained earnings to average equity (ytd only) | 9.2794% | 1,182 |
| Net charge-offs to loans | 0.0853% | 4,295 |
| Credit loss provision to net charge-offs | 451.8519% | 660 |
| Earnings coverage of net charge-offs (x) | 38.4815% | 904 |
| Efficiency ratio | 60.1458% | 5,551 |
| Assets per employee ($millions) | 3.8699% | 4,145 |
| Cash dividends to net income (ytd only)* | 13.7371% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 5,695 |
| Loan loss allowance to noncurrent loans | 551.1628% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 5,663 |
| Noncurrent loans to loans | 0.2034% | 6,175 |
| Net loans and leases to total assets | 57.8837% | 4,181 |
| Net loans and leases to deposits | 65.8682% | 4,522 |
| Net loans and leases to core deposits | 69.2973% | 4,627 |
| Total domestic deposits to total assets | 87.8780% | 2,227 |
| Equity capital to assets | 11.8903% | 2,229 |
| Core capital (leverage) ratio | 11.8126% | 1,716 |
| Tier 1 risk-based capital ratio | 20.3502% | 1,626 |
| Total risk-based capital ratio | 21.4840% | 1,620 |
| Memoranda: | ||
| Average total assets | $107,427,670 | 4,730 |
| Average earning assets | $101,484,330 | 4,634 |
| Average equity | $12,587,000 | 4,480 |
| Average total loans | $63,278,330 | 4,662 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2495% | 1,206 |
| Cost of funding earning assets | 0.6978% | 4,301 |
| Net interest margin | 4.5517% | 912 |
| Noninterest income to average assets | 0.5871% | 3,317 |
| Noninterest expense to average assets | 2.8907% | 3,662 |
| Loan and lease loss provision to assets | 0.3066% | 2,054 |
| Net operating income to assets | 1.2341% | 1,648 |
| Return on assets (ROA) | 1.2341% | 1,826 |
| Pretax return on assets | 1.6828% | 1,350 |
| Return on Equity (ROE) | 10.6122% | 2,184 |
| Retained earnings to average equity (ytd only) | 10.6122% | 1,137 |
| Net charge-offs to loans | 0.0570% | 3,930 |
| Credit loss provision to net charge-offs | 911.1111% | 385 |
| Earnings coverage of net charge-offs (x) | 59.1111% | 559 |
| Efficiency ratio | 59.2337% | 5,736 |
| Assets per employee ($millions) | 4.0304% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 6,021 |
| Loan loss allowance to noncurrent loans | 2,375.8621% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 6,007 |
| Noncurrent loans to loans | 0.0449% | 6,639 |
| Net loans and leases to total assets | 58.6986% | 3,920 |
| Net loans and leases to deposits | 66.6274% | 4,290 |
| Net loans and leases to core deposits | 68.8894% | 4,577 |
| Total domestic deposits to total assets | 88.0998% | 2,252 |
| Equity capital to assets | 11.5914% | 2,357 |
| Core capital (leverage) ratio | 11.7493% | 1,735 |
| Tier 1 risk-based capital ratio | 19.6081% | 1,809 |
| Total risk-based capital ratio | 20.6882% | 1,823 |
| Memoranda: | ||
| Average total assets | $106,963,000 | 4,770 |
| Average earning assets | $100,886,000 | 4,676 |
| Average equity | $12,438,500 | 4,520 |
| Average total loans | $63,201,500 | 4,690 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5720% | 1,010 |
| Cost of funding earning assets | 0.8688% | 4,331 |
| Net interest margin | 4.7032% | 751 |
| Noninterest income to average assets | 0.6917% | 2,653 |
| Noninterest expense to average assets | 3.0344% | 3,467 |
| Loan and lease loss provision to assets | 0.1324% | 4,957 |
| Net operating income to assets | 1.3814% | 1,059 |
| Return on assets (ROA) | 1.3814% | 1,152 |
| Pretax return on assets | 1.9485% | 595 |
| Return on Equity (ROE) | 11.8577% | 1,447 |
| Retained earnings to average equity (ytd only) | 9.1859% | 751 |
| Net charge-offs to loans | 0.3913% | 3,458 |
| Credit loss provision to net charge-offs | 55.6017% | 5,278 |
| Earnings coverage of net charge-offs (x) | 8.7386% | 2,105 |
| Efficiency ratio | 59.3201% | 5,856 |
| Assets per employee ($millions) | 3.8927% | 4,096 |
| Cash dividends to net income (ytd only)* | 22.5322% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 6,238 |
| Loan loss allowance to noncurrent loans | 196.8051% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 5,920 |
| Noncurrent loans to loans | 0.5062% | 5,695 |
| Net loans and leases to total assets | 58.2480% | 4,327 |
| Net loans and leases to deposits | 66.0428% | 4,723 |
| Net loans and leases to core deposits | 68.2554% | 4,995 |
| Total domestic deposits to total assets | 88.1974% | 2,029 |
| Equity capital to assets | 11.6675% | 2,363 |
| Core capital (leverage) ratio | 11.6017% | 1,822 |
| Tier 1 risk-based capital ratio | 20.0725% | 1,625 |
| Total risk-based capital ratio | 21.0879% | 1,647 |
| Memoranda: | ||
| Average total assets | $101,205,200 | 4,861 |
| Average earning assets | $95,190,600 | 4,779 |
| Average equity | $11,789,800 | 4,601 |
| Average total loans | $61,587,000 | 4,806 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6421% | 955 |
| Cost of funding earning assets | 0.9067% | 4,350 |
| Net interest margin | 4.7355% | 704 |
| Noninterest income to average assets | 0.7143% | 2,512 |
| Noninterest expense to average assets | 3.0768% | 3,248 |
| Loan and lease loss provision to assets | 0.0665% | 5,623 |
| Net operating income to assets | 1.4340% | 1,090 |
| Return on assets (ROA) | 1.4340% | 1,159 |
| Pretax return on assets | 2.0246% | 598 |
| Return on Equity (ROE) | 12.3146% | 1,462 |
| Retained earnings to average equity (ytd only) | 12.3146% | 463 |
| Net charge-offs to loans | 0.4984% | 2,761 |
| Credit loss provision to net charge-offs | 21.7391% | 5,536 |
| Earnings coverage of net charge-offs (x) | 6.8348% | 2,475 |
| Efficiency ratio | 59.5367% | 5,789 |
| Assets per employee ($millions) | 3.8899% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 6,686 |
| Loan loss allowance to noncurrent loans | 1,551.4286% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 6,339 |
| Noncurrent loans to loans | 0.0559% | 6,792 |
| Net loans and leases to total assets | 59.1067% | 4,303 |
| Net loans and leases to deposits | 67.1898% | 4,739 |
| Net loans and leases to core deposits | 68.6749% | 5,098 |
| Total domestic deposits to total assets | 87.9698% | 2,048 |
| Equity capital to assets | 11.7018% | 2,493 |
| Core capital (leverage) ratio | 11.8904% | 1,771 |
| Tier 1 risk-based capital ratio | 19.4858% | 1,818 |
| Total risk-based capital ratio | 20.3551% | 1,875 |
| Memoranda: | ||
| Average total assets | $100,230,500 | 4,922 |
| Average earning assets | $94,264,500 | 4,842 |
| Average equity | $11,671,500 | 4,645 |
| Average total loans | $61,524,500 | 4,848 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8219% | 690 |
| Cost of funding earning assets | 0.9541% | 4,281 |
| Net interest margin | 4.8678% | 526 |
| Noninterest income to average assets | 0.8131% | 1,961 |
| Noninterest expense to average assets | 3.1937% | 2,923 |
| Loan and lease loss provision to assets | 0.0710% | 5,423 |
| Net operating income to assets | 1.4701% | 944 |
| Return on assets (ROA) | 1.4701% | 1,005 |
| Pretax return on assets | 2.1109% | 481 |
| Return on Equity (ROE) | 12.6468% | 1,293 |
| Retained earnings to average equity (ytd only) | 12.6468% | 428 |
| Net charge-offs to loans | 0.0065% | 5,780 |
| Credit loss provision to net charge-offs | 1,750.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 538.0000% | 60 |
| Efficiency ratio | 59.4115% | 5,963 |
| Assets per employee ($millions) | 3.7981% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 5,531 |
| Loan loss allowance to noncurrent loans | 88.3178% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.1828% | 4,527 |
| Noncurrent loans to loans | 1.3619% | 4,376 |
| Net loans and leases to total assets | 62.8820% | 3,703 |
| Net loans and leases to deposits | 71.6862% | 4,164 |
| Net loans and leases to core deposits | 73.3414% | 4,661 |
| Total domestic deposits to total assets | 87.7185% | 2,331 |
| Equity capital to assets | 12.0253% | 2,069 |
| Core capital (leverage) ratio | 11.9427% | 1,632 |
| Tier 1 risk-based capital ratio | 19.0512% | 1,827 |
| Total risk-based capital ratio | 20.2698% | 1,803 |
| Memoranda: | ||
| Average total assets | $98,631,670 | 4,996 |
| Average earning assets | $92,444,670 | 4,924 |
| Average equity | $11,465,330 | 4,698 |
| Average total loans | $61,159,000 | 4,903 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7048% | 872 |
| Cost of funding earning assets | 0.9788% | 4,353 |
| Net interest margin | 4.7260% | 665 |
| Noninterest income to average assets | 0.6939% | 2,612 |
| Noninterest expense to average assets | 3.2585% | 2,683 |
| Loan and lease loss provision to assets | 0.1014% | 4,740 |
| Net operating income to assets | 1.2417% | 1,414 |
| Return on assets (ROA) | 1.2417% | 1,467 |
| Pretax return on assets | 1.7814% | 847 |
| Return on Equity (ROE) | 10.8699% | 1,786 |
| Retained earnings to average equity (ytd only) | 10.8699% | 923 |
| Net charge-offs to loans | 0.0133% | 4,894 |
| Credit loss provision to net charge-offs | 1,250.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 135 |
| Efficiency ratio | 63.3781% | 5,462 |
| Assets per employee ($millions) | 3.5183% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 5,540 |
| Loan loss allowance to noncurrent loans | 174.7073% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8618% | 5,181 |
| Noncurrent loans to loans | 0.6969% | 5,623 |
| Net loans and leases to total assets | 61.4409% | 3,976 |
| Net loans and leases to deposits | 69.7481% | 4,385 |
| Net loans and leases to core deposits | 71.3489% | 4,879 |
| Total domestic deposits to total assets | 88.0897% | 2,323 |
| Equity capital to assets | 11.5977% | 2,197 |
| Core capital (leverage) ratio | 11.5693% | 1,808 |
| Tier 1 risk-based capital ratio | 18.6977% | 1,897 |
| Total risk-based capital ratio | 19.9213% | 1,854 |
| Memoranda: | ||
| Average total assets | $98,572,500 | 5,037 |
| Average earning assets | $92,763,500 | 4,952 |
| Average equity | $11,260,500 | 4,729 |
| Average total loans | $60,312,500 | 4,991 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0028% | 845 |
| Cost of funding earning assets | 1.2227% | 4,405 |
| Net interest margin | 4.7801% | 688 |
| Noninterest income to average assets | 0.7047% | 2,817 |
| Noninterest expense to average assets | 3.2613% | 2,862 |
| Loan and lease loss provision to assets | 0.0255% | 6,868 |
| Net operating income to assets | 1.4200% | 905 |
| Return on assets (ROA) | 1.4200% | 975 |
| Pretax return on assets | 1.8657% | 659 |
| Return on Equity (ROE) | 12.5714% | 1,201 |
| Retained earnings to average equity (ytd only) | 10.0346% | 520 |
| Net charge-offs to loans | -0.0085% | 7,302 |
| Credit loss provision to net charge-offs | -480.0000% | 7,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2956% | 5,462 |
| Assets per employee ($millions) | 3.5226% | 4,886 |
| Cash dividends to net income (ytd only)* | 20.1794% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 5,423 |
| Loan loss allowance to noncurrent loans | 142.6036% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 5,124 |
| Noncurrent loans to loans | 0.8542% | 5,358 |
| Net loans and leases to total assets | 59.4420% | 4,765 |
| Net loans and leases to deposits | 67.0578% | 5,245 |
| Net loans and leases to core deposits | 68.8073% | 5,575 |
| Total domestic deposits to total assets | 88.6429% | 1,866 |
| Equity capital to assets | 11.2497% | 2,456 |
| Core capital (leverage) ratio | 11.5628% | 1,802 |
| Tier 1 risk-based capital ratio | 18.6672% | 1,794 |
| Total risk-based capital ratio | 19.8839% | 1,779 |
| Memoranda: | ||
| Average total assets | $94,226,200 | 5,154 |
| Average earning assets | $87,676,400 | 5,092 |
| Average equity | $10,643,200 | 4,951 |
| Average total loans | $58,854,000 | 5,117 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1019% | 759 |
| Cost of funding earning assets | 1.2793% | 4,375 |
| Net interest margin | 4.8226% | 645 |
| Noninterest income to average assets | 0.8061% | 2,203 |
| Noninterest expense to average assets | 3.2844% | 2,617 |
| Loan and lease loss provision to assets | 0.0215% | 6,845 |
| Net operating income to assets | 1.3716% | 1,164 |
| Return on assets (ROA) | 1.3716% | 1,246 |
| Pretax return on assets | 1.9744% | 652 |
| Return on Equity (ROE) | 12.1301% | 1,466 |
| Retained earnings to average equity (ytd only) | 12.1301% | 446 |
| Net charge-offs to loans | -0.0114% | 7,281 |
| Credit loss provision to net charge-offs | -300.0000% | 6,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2017% | 5,591 |
| Assets per employee ($millions) | 3.3506% | 5,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 5,427 |
| Loan loss allowance to noncurrent loans | 105.6213% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.3121% | 4,525 |
| Noncurrent loans to loans | 1.1479% | 4,941 |
| Net loans and leases to total assets | 62.0090% | 4,530 |
| Net loans and leases to deposits | 70.6479% | 5,059 |
| Net loans and leases to core deposits | 72.3723% | 5,469 |
| Total domestic deposits to total assets | 87.7719% | 2,113 |
| Equity capital to assets | 11.7793% | 2,304 |
| Core capital (leverage) ratio | 11.7667% | 1,781 |
| Tier 1 risk-based capital ratio | 18.7772% | 1,800 |
| Total risk-based capital ratio | 19.9979% | 1,779 |
| Memoranda: | ||
| Average total assets | $93,124,250 | 5,250 |
| Average earning assets | $86,396,750 | 5,193 |
| Average equity | $10,530,000 | 5,045 |
| Average total loans | $58,729,250 | 5,193 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1814% | 645 |
| Cost of funding earning assets | 1.3395% | 4,258 |
| Net interest margin | 4.8419% | 609 |
| Noninterest income to average assets | 0.7729% | 2,268 |
| Noninterest expense to average assets | 3.2683% | 2,663 |
| Loan and lease loss provision to assets | 0.0129% | 6,784 |
| Net operating income to assets | 1.3736% | 1,145 |
| Return on assets (ROA) | 1.3736% | 1,211 |
| Pretax return on assets | 1.9743% | 633 |
| Return on Equity (ROE) | 12.3210% | 1,378 |
| Retained earnings to average equity (ytd only) | 12.3210% | 446 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1876% | 5,657 |
| Assets per employee ($millions) | 3.4083% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 5,479 |
| Loan loss allowance to noncurrent loans | 144.9275% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 4,881 |
| Noncurrent loans to loans | 0.8250% | 5,629 |
| Net loans and leases to total assets | 62.8586% | 4,498 |
| Net loans and leases to deposits | 71.3854% | 5,093 |
| Net loans and leases to core deposits | 73.1253% | 5,539 |
| Total domestic deposits to total assets | 88.0553% | 1,971 |
| Equity capital to assets | 11.6328% | 2,332 |
| Core capital (leverage) ratio | 11.3723% | 1,999 |
| Tier 1 risk-based capital ratio | 18.1810% | 1,907 |
| Total risk-based capital ratio | 19.3746% | 1,896 |
| Memoranda: | ||
| Average total assets | $92,893,330 | 5,283 |
| Average earning assets | $85,999,670 | 5,235 |
| Average equity | $10,356,330 | 5,097 |
| Average total loans | $58,676,000 | 5,240 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1436% | 716 |
| Cost of funding earning assets | 1.3849% | 4,276 |
| Net interest margin | 4.7587% | 694 |
| Noninterest income to average assets | 0.8229% | 1,922 |
| Noninterest expense to average assets | 3.3130% | 2,490 |
| Loan and lease loss provision to assets | 0.0257% | 6,409 |
| Net operating income to assets | 1.3201% | 1,256 |
| Return on assets (ROA) | 1.3201% | 1,327 |
| Pretax return on assets | 1.8730% | 769 |
| Return on Equity (ROE) | 12.0998% | 1,476 |
| Retained earnings to average equity (ytd only) | 12.0998% | 732 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5691% | 5,574 |
| Assets per employee ($millions) | 3.5753% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 5,445 |
| Loan loss allowance to noncurrent loans | 102.1898% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 1.6007% | 4,093 |
| Noncurrent loans to loans | 1.1853% | 4,993 |
| Net loans and leases to total assets | 61.4187% | 4,868 |
| Net loans and leases to deposits | 69.4351% | 5,417 |
| Net loans and leases to core deposits | 71.3636% | 5,787 |
| Total domestic deposits to total assets | 88.4549% | 1,820 |
| Equity capital to assets | 11.1277% | 2,660 |
| Core capital (leverage) ratio | 11.2187% | 2,079 |
| Tier 1 risk-based capital ratio | 17.6061% | 2,050 |
| Total risk-based capital ratio | 18.7988% | 2,036 |
| Memoranda: | ||
| Average total assets | $93,328,000 | 5,342 |
| Average earning assets | $86,074,000 | 5,303 |
| Average equity | $10,182,000 | 5,186 |
| Average total loans | $58,741,500 | 5,305 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5671% | 583 |
| Cost of funding earning assets | 1.8196% | 3,885 |
| Net interest margin | 4.7475% | 768 |
| Noninterest income to average assets | 0.7704% | 2,555 |
| Noninterest expense to average assets | 3.3168% | 2,959 |
| Loan and lease loss provision to assets | 0.3738% | 4,540 |
| Net operating income to assets | 0.8723% | 2,270 |
| Return on assets (ROA) | 0.8723% | 2,333 |
| Pretax return on assets | 1.4845% | 1,223 |
| Return on Equity (ROE) | 8.1951% | 2,292 |
| Retained earnings to average equity (ytd only) | 5.7518% | 1,446 |
| Net charge-offs to loans | 0.1629% | 5,648 |
| Credit loss provision to net charge-offs | 355.6701% | 907 |
| Earnings coverage of net charge-offs (x) | 17.6804% | 1,169 |
| Efficiency ratio | 64.0913% | 5,761 |
| Assets per employee ($millions) | 3.6038% | 4,773 |
| Cash dividends to net income (ytd only)* | 29.8137% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 5,572 |
| Loan loss allowance to noncurrent loans | 121.9684% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.3725% | 4,368 |
| Noncurrent loans to loans | 0.9533% | 5,402 |
| Net loans and leases to total assets | 62.9633% | 4,826 |
| Net loans and leases to deposits | 70.6700% | 5,513 |
| Net loans and leases to core deposits | 91.5334% | 4,946 |
| Total domestic deposits to total assets | 89.0949% | 1,441 |
| Equity capital to assets | 10.6938% | 2,971 |
| Core capital (leverage) ratio | 10.8916% | 2,285 |
| Tier 1 risk-based capital ratio | 15.1577% | 2,865 |
| Total risk-based capital ratio | 16.2070% | 2,914 |
| Memoranda: | ||
| Average total assets | $92,286,600 | 5,322 |
| Average earning assets | $85,623,400 | 5,279 |
| Average equity | $9,823,000 | 5,347 |
| Average total loans | $59,530,200 | 5,268 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6455% | 564 |
| Cost of funding earning assets | 1.9010% | 3,884 |
| Net interest margin | 4.7446% | 769 |
| Noninterest income to average assets | 0.8049% | 2,401 |
| Noninterest expense to average assets | 3.3429% | 2,755 |
| Loan and lease loss provision to assets | 0.3626% | 4,149 |
| Net operating income to assets | 0.9035% | 2,410 |
| Return on assets (ROA) | 0.9035% | 2,479 |
| Pretax return on assets | 1.5156% | 1,367 |
| Return on Equity (ROE) | 8.4988% | 2,450 |
| Retained earnings to average equity (ytd only) | 8.4988% | 976 |
| Net charge-offs to loans | 0.1569% | 5,140 |
| Credit loss provision to net charge-offs | 357.1429% | 1,149 |
| Earnings coverage of net charge-offs (x) | 18.5002% | 1,347 |
| Efficiency ratio | 64.0278% | 5,750 |
| Assets per employee ($millions) | 3.4006% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 6,036 |
| Loan loss allowance to noncurrent loans | 1,043.3333% | 345 |
| Noncurrent assets plus other real estate owned to assets | 1.0477% | 4,984 |
| Noncurrent loans to loans | 0.1002% | 7,228 |
| Net loans and leases to total assets | 64.5530% | 4,738 |
| Net loans and leases to deposits | 72.9118% | 5,522 |
| Net loans and leases to core deposits | 97.7682% | 4,635 |
| Total domestic deposits to total assets | 88.5358% | 1,416 |
| Equity capital to assets | 10.9894% | 3,015 |
| Core capital (leverage) ratio | 11.1125% | 2,323 |
| Tier 1 risk-based capital ratio | 15.2153% | 2,941 |
| Total risk-based capital ratio | 16.1599% | 3,020 |
| Memoranda: | ||
| Average total assets | $91,933,500 | 5,370 |
| Average earning assets | $85,569,000 | 5,313 |
| Average equity | $9,773,750 | 5,408 |
| Average total loans | $59,490,250 | 5,312 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7110% | 532 |
| Cost of funding earning assets | 1.9931% | 3,811 |
| Net interest margin | 4.7179% | 775 |
| Noninterest income to average assets | 0.7850% | 2,487 |
| Noninterest expense to average assets | 3.3227% | 2,871 |
| Loan and lease loss provision to assets | 0.5001% | 3,035 |
| Net operating income to assets | 0.7024% | 3,246 |
| Return on assets (ROA) | 0.7024% | 3,351 |
| Pretax return on assets | 1.3374% | 1,911 |
| Return on Equity (ROE) | 6.6816% | 3,346 |
| Retained earnings to average equity (ytd only) | 6.6816% | 1,705 |
| Net charge-offs to loans | 0.1213% | 4,950 |
| Credit loss provision to net charge-offs | 638.8889% | 729 |
| Earnings coverage of net charge-offs (x) | 23.4722% | 1,182 |
| Efficiency ratio | 64.3911% | 5,831 |
| Assets per employee ($millions) | 3.1732% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 5,833 |
| Loan loss allowance to noncurrent loans | 116.5756% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.2932% | 4,358 |
| Noncurrent loans to loans | 0.9097% | 5,400 |
| Net loans and leases to total assets | 67.2020% | 4,313 |
| Net loans and leases to deposits | 75.8961% | 5,189 |
| Net loans and leases to core deposits | 97.9768% | 4,702 |
| Total domestic deposits to total assets | 88.5447% | 1,510 |
| Equity capital to assets | 10.9972% | 2,923 |
| Core capital (leverage) ratio | 10.6472% | 2,702 |
| Tier 1 risk-based capital ratio | 15.6238% | 2,760 |
| Total risk-based capital ratio | 16.6459% | 2,786 |
| Memoranda: | ||
| Average total assets | $91,972,670 | 5,408 |
| Average earning assets | $85,292,670 | 5,367 |
| Average equity | $9,668,330 | 5,465 |
| Average total loans | $59,355,000 | 5,362 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6396% | 652 |
| Cost of funding earning assets | 2.0836% | 3,720 |
| Net interest margin | 4.5561% | 1,026 |
| Noninterest income to average assets | 0.8553% | 2,059 |
| Noninterest expense to average assets | 3.2159% | 2,916 |
| Loan and lease loss provision to assets | 0.3207% | 3,410 |
| Net operating income to assets | 1.1632% | 1,763 |
| Return on assets (ROA) | 1.1632% | 1,882 |
| Pretax return on assets | 1.5267% | 1,590 |
| Return on Equity (ROE) | 11.3133% | 1,875 |
| Retained earnings to average equity (ytd only) | 11.3133% | 920 |
| Net charge-offs to loans | 0.2243% | 3,298 |
| Credit loss provision to net charge-offs | 227.2727% | 2,011 |
| Earnings coverage of net charge-offs (x) | 13.0909% | 1,756 |
| Efficiency ratio | 63.5135% | 5,779 |
| Assets per employee ($millions) | 3.3691% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8366% | 7,024 |
| Loan loss allowance to noncurrent loans | 101.2448% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.1311% | 4,416 |
| Noncurrent loans to loans | 0.8264% | 5,381 |
| Net loans and leases to total assets | 61.3128% | 5,447 |
| Net loans and leases to deposits | 68.7099% | 6,108 |
| Net loans and leases to core deposits | 87.2596% | 5,810 |
| Total domestic deposits to total assets | 89.2342% | 1,129 |
| Equity capital to assets | 10.3354% | 3,618 |
| Core capital (leverage) ratio | 10.3898% | 3,034 |
| Tier 1 risk-based capital ratio | 14.7430% | 3,185 |
| Total risk-based capital ratio | 15.4823% | 3,392 |
| Memoranda: | ||
| Average total assets | $93,534,000 | 5,385 |
| Average earning assets | $86,390,500 | 5,339 |
| Average equity | $9,617,000 | 5,501 |
| Average total loans | $58,858,000 | 5,411 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2752% | 626 |
| Cost of funding earning assets | 2.7517% | 2,917 |
| Net interest margin | 4.5235% | 1,364 |
| Noninterest income to average assets | 1.0230% | 1,513 |
| Noninterest expense to average assets | 3.2780% | 3,046 |
| Loan and lease loss provision to assets | 0.3801% | 3,416 |
| Net operating income to assets | 1.1625% | 1,896 |
| Return on assets (ROA) | 1.1650% | 1,821 |
| Pretax return on assets | 1.5641% | 1,505 |
| Return on Equity (ROE) | 11.4463% | 1,774 |
| Retained earnings to average equity (ytd only) | 8.7660% | 639 |
| Net charge-offs to loans | 0.4979% | 2,373 |
| Credit loss provision to net charge-offs | 118.8811% | 4,533 |
| Earnings coverage of net charge-offs (x) | 6.0699% | 3,449 |
| Efficiency ratio | 62.8106% | 5,815 |
| Assets per employee ($millions) | 3.3119% | 5,188 |
| Cash dividends to net income (ytd only)* | 23.4165% | 4,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 7,280 |
| Loan loss allowance to noncurrent loans | 1,351.5152% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 5,827 |
| Noncurrent loans to loans | 0.0556% | 7,287 |
| Net loans and leases to total assets | 63.5617% | 5,361 |
| Net loans and leases to deposits | 71.0650% | 6,157 |
| Net loans and leases to core deposits | 90.8239% | 5,733 |
| Total domestic deposits to total assets | 89.4416% | 868 |
| Equity capital to assets | 10.2273% | 3,772 |
| Core capital (leverage) ratio | 10.3209% | 3,155 |
| Tier 1 risk-based capital ratio | 14.7554% | 3,168 |
| Total risk-based capital ratio | 15.4511% | 3,369 |
| Memoranda: | ||
| Average total assets | $89,444,400 | 5,379 |
| Average earning assets | $82,967,000 | 5,331 |
| Average equity | $9,103,400 | 5,706 |
| Average total loans | $57,441,200 | 5,385 |