Home > State Bank > Performance and Condition Ratios
State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0859% | 1,885 |
| Cost of funding earning assets | 1.7582% | 1,331 |
| Net interest margin | 3.3277% | 2,564 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.6839% | 4,151 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.3702% | 1,275 |
| Return on assets (ROA) | 1.3635% | 1,259 |
| Pretax return on assets | 1.8442% | 836 |
| Return on Equity (ROE) | 17.9200% | 827 |
| Retained earnings to average equity (ytd only) | 10.5220% | 900 |
| Net charge-offs to loans | 0.3071% | 349 |
| Credit loss provision to net charge-offs | 6.1988% | 2,343 |
| Earnings coverage of net charge-offs (x) | 8.0374% | 2,368 |
| Efficiency ratio | 47.7653% | 4,098 |
| Assets per employee ($millions) | 12.8623% | 336 |
| Cash dividends to net income (ytd only)* | 41.2736% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,022 |
| Loan loss allowance to noncurrent loans | 282.3264% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 1,797 |
| Noncurrent loans to loans | 0.3757% | 1,865 |
| Net loans and leases to total assets | 75.6800% | 1,157 |
| Net loans and leases to deposits | 87.5713% | 1,478 |
| Net loans and leases to core deposits | 105.9600% | 1,114 |
| Total domestic deposits to total assets | 86.4200% | 1,887 |
| Equity capital to assets | 8.1629% | 3,303 |
| Core capital (leverage) ratio | 9.9073% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $373,170,400 | 2,105 |
| Average earning assets | $357,124,600 | 2,058 |
| Average equity | $28,397,600 | 2,348 |
| Average total loans | $278,411,000 | 1,882 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 9,918.0000% | 7 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 37,433.0000% | 21 |
| Cost of funding earning assets | 2,248.0000% | 8 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.7744% | 3,092 |
| Pretax return on assets | 1.0259% | 2,779 |
| Return on Equity (ROE) | 10.3700% | 2,541 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 1,235 |
| Efficiency ratio | 2.7881% | 4,596 |
| Assets per employee ($millions) | 0.0000% | 4,605 |
| Cash dividends to net income (ytd only)* | 1.7552% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| 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 | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0155% | 4,482 |
| Total domestic deposits to total assets | 0.0000% | 4,578 |
| Equity capital to assets | 500.0000% | 45 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $11,301,000 | 4,584 |
| Average earning assets | $0 | 4,619 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 1,863 |
| Cost of funding earning assets | 1.4190% | 1,396 |
| Net interest margin | 3.4405% | 2,416 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.6329% | 4,229 |
| Loan and lease loss provision to assets | 1.2100% | 50 |
| Net operating income to assets | 0.5806% | 3,631 |
| Return on assets (ROA) | 0.5670% | 3,670 |
| Pretax return on assets | 0.7409% | 3,520 |
| Return on Equity (ROE) | 7.5700% | 3,348 |
| Retained earnings to average equity (ytd only) | 1.8028% | 3,756 |
| Net charge-offs to loans | 0.3034% | 277 |
| Credit loss provision to net charge-offs | 567.2330% | 598 |
| Earnings coverage of net charge-offs (x) | 8.8641% | 2,040 |
| Efficiency ratio | 45.2966% | 4,196 |
| Assets per employee ($millions) | 11.7913% | 400 |
| Cash dividends to net income (ytd only)* | 76.1905% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1225% | 347 |
| Loan loss allowance to noncurrent loans | 189.2119% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.8664% | 573 |
| Noncurrent loans to loans | 1.1218% | 633 |
| Net loans and leases to total assets | 73.9000% | 1,308 |
| Net loans and leases to deposits | 88.7747% | 1,282 |
| Net loans and leases to core deposits | 106.2352% | 974 |
| Total domestic deposits to total assets | 83.2500% | 2,991 |
| Equity capital to assets | 7.6136% | 3,459 |
| Core capital (leverage) ratio | 9.3694% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $370,375,000 | 2,121 |
| Average earning assets | $354,190,667 | 2,073 |
| Average equity | $27,735,333 | 2,377 |
| Average total loans | $271,625,000 | 1,905 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6899% | 1,878 |
| Cost of funding earning assets | 1.1301% | 1,663 |
| Net interest margin | 3.5598% | 2,222 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.6770% | 4,218 |
| Loan and lease loss provision to assets | 2.2000% | 25 |
| Net operating income to assets | -0.0995% | 4,531 |
| Return on assets (ROA) | -0.1266% | 4,522 |
| Pretax return on assets | -0.2157% | 4,530 |
| Return on Equity (ROE) | -1.7000% | 4,504 |
| Retained earnings to average equity (ytd only) | -7.4622% | 4,412 |
| Net charge-offs to loans | 0.6116% | 133 |
| Credit loss provision to net charge-offs | 497.0874% | 555 |
| Earnings coverage of net charge-offs (x) | 4.5607% | 1,851 |
| Efficiency ratio | 45.4096% | 4,253 |
| Assets per employee ($millions) | 11.9275% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9084% | 525 |
| Loan loss allowance to noncurrent loans | 168.0241% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 559 |
| Noncurrent loans to loans | 1.1358% | 624 |
| Net loans and leases to total assets | 72.7400% | 1,348 |
| Net loans and leases to deposits | 85.6892% | 1,380 |
| Net loans and leases to core deposits | 104.5749% | 894 |
| Total domestic deposits to total assets | 84.8900% | 2,882 |
| Equity capital to assets | 6.9664% | 3,849 |
| Core capital (leverage) ratio | 9.2546% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $372,811,000 | 2,140 |
| Average earning assets | $356,426,500 | 2,089 |
| Average equity | $27,766,500 | 2,400 |
| Average total loans | $269,439,500 | 1,931 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 1,888 |
| Cost of funding earning assets | 0.5167% | 1,291 |
| Net interest margin | 3.4224% | 2,180 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 1.7414% | 4,101 |
| Loan and lease loss provision to assets | -0.2000% | 4,630 |
| Net operating income to assets | 1.5647% | 752 |
| Return on assets (ROA) | 1.5673% | 709 |
| Pretax return on assets | 2.1322% | 358 |
| Return on Equity (ROE) | 18.2100% | 674 |
| Retained earnings to average equity (ytd only) | 9.2961% | 1,389 |
| Net charge-offs to loans | -0.0269% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.5027% | 4,271 |
| Assets per employee ($millions) | 10.3534% | 602 |
| Cash dividends to net income (ytd only)* | 48.9484% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 1,453 |
| Loan loss allowance to noncurrent loans | 315.5375% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 1,604 |
| Noncurrent loans to loans | 0.4482% | 1,588 |
| Net loans and leases to total assets | 69.1800% | 1,714 |
| Net loans and leases to deposits | 83.7343% | 1,485 |
| Net loans and leases to core deposits | 93.7511% | 1,307 |
| Total domestic deposits to total assets | 82.6100% | 3,510 |
| Equity capital to assets | 7.9863% | 3,066 |
| Core capital (leverage) ratio | 10.2618% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $333,697,000 | 2,283 |
| Average earning assets | $318,578,400 | 2,243 |
| Average equity | $28,721,800 | 2,396 |
| Average total loans | $226,731,200 | 2,075 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 1,856 |
| Cost of funding earning assets | 0.4647% | 911 |
| Net interest margin | 3.2965% | 2,309 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.7039% | 4,144 |
| Loan and lease loss provision to assets | -0.2800% | 4,703 |
| Net operating income to assets | 1.5367% | 765 |
| Return on assets (ROA) | 1.5402% | 741 |
| Pretax return on assets | 2.0928% | 388 |
| Return on Equity (ROE) | 17.5600% | 697 |
| Retained earnings to average equity (ytd only) | 7.5360% | 2,177 |
| Net charge-offs to loans | 0.0319% | 1,203 |
| Credit loss provision to net charge-offs | -1,286.7925% | 4,728 |
| Earnings coverage of net charge-offs (x) | 84.3962% | 1,018 |
| Efficiency ratio | 48.4618% | 4,246 |
| Assets per employee ($millions) | 10.6994% | 543 |
| Cash dividends to net income (ytd only)* | 57.0752% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 1,397 |
| Loan loss allowance to noncurrent loans | 219.7788% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4634% | 1,168 |
| Noncurrent loans to loans | 0.6674% | 1,222 |
| Net loans and leases to total assets | 68.4100% | 1,629 |
| Net loans and leases to deposits | 85.1747% | 1,223 |
| Net loans and leases to core deposits | 92.6989% | 1,156 |
| Total domestic deposits to total assets | 80.3200% | 4,064 |
| Equity capital to assets | 7.9799% | 2,910 |
| Core capital (leverage) ratio | 10.2824% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $329,117,250 | 2,320 |
| Average earning assets | $315,034,500 | 2,277 |
| Average equity | $28,874,000 | 2,417 |
| Average total loans | $221,662,750 | 2,098 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6302% | 1,746 |
| Cost of funding earning assets | 0.4225% | 792 |
| Net interest margin | 3.2078% | 2,162 |
| Noninterest income to average assets | 0.3613% | 2,984 |
| Noninterest expense to average assets | 1.6261% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3308% | 1,070 |
| Return on assets (ROA) | 1.3361% | 1,038 |
| Pretax return on assets | 1.8089% | 585 |
| Return on Equity (ROE) | 14.7796% | 940 |
| Retained earnings to average equity (ytd only) | 2.7834% | 3,515 |
| Net charge-offs to loans | 0.1170% | 527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 23.1094% | 1,493 |
| Efficiency ratio | 47.4320% | 4,374 |
| Assets per employee ($millions) | 9.9782% | 666 |
| Cash dividends to net income (ytd only)* | 81.1674% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7848% | 832 |
| Loan loss allowance to noncurrent loans | 199.6994% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 920 |
| Noncurrent loans to loans | 0.8937% | 943 |
| Net loans and leases to total assets | 66.6137% | 1,619 |
| Net loans and leases to deposits | 81.9177% | 1,248 |
| Net loans and leases to core deposits | 89.0052% | 1,176 |
| Total domestic deposits to total assets | 81.3178% | 4,091 |
| Equity capital to assets | 8.0092% | 3,120 |
| Core capital (leverage) ratio | 10.0208% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,262,333 | 2,333 |
| Average earning assets | $313,864,000 | 2,305 |
| Average equity | $29,676,000 | 2,434 |
| Average total loans | $218,786,333 | 2,115 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5463% | 1,652 |
| Cost of funding earning assets | 0.3993% | 876 |
| Net interest margin | 3.1470% | 2,035 |
| Noninterest income to average assets | 0.3466% | 3,020 |
| Noninterest expense to average assets | 1.5756% | 4,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3023% | 1,000 |
| Return on assets (ROA) | 1.3120% | 964 |
| Pretax return on assets | 1.7843% | 564 |
| Return on Equity (ROE) | 13.7260% | 886 |
| Retained earnings to average equity (ytd only) | -4.0220% | 4,374 |
| Net charge-offs to loans | -0.0148% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0653% | 4,452 |
| Assets per employee ($millions) | 10.0229% | 675 |
| Cash dividends to net income (ytd only)* | 129.3023% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 747 |
| Loan loss allowance to noncurrent loans | 323.3725% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3855% | 1,569 |
| Noncurrent loans to loans | 0.5863% | 1,583 |
| Net loans and leases to total assets | 64.4957% | 1,553 |
| Net loans and leases to deposits | 80.0667% | 1,143 |
| Net loans and leases to core deposits | 85.3723% | 1,166 |
| Total domestic deposits to total assets | 80.5525% | 4,245 |
| Equity capital to assets | 8.9026% | 2,799 |
| Core capital (leverage) ratio | 9.9547% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,752,500 | 2,354 |
| Average earning assets | $312,550,000 | 2,323 |
| Average equity | $31,327,500 | 2,418 |
| Average total loans | $216,513,000 | 2,124 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3293% | 3,115 |
| Cost of funding earning assets | 0.4457% | 1,235 |
| Net interest margin | 2.8836% | 3,487 |
| Noninterest income to average assets | 0.3936% | 3,084 |
| Noninterest expense to average assets | 1.5469% | 4,487 |
| Loan and lease loss provision to assets | 0.0056% | 2,967 |
| Net operating income to assets | 1.1820% | 1,982 |
| Return on assets (ROA) | 1.1910% | 2,015 |
| Pretax return on assets | 1.6069% | 1,406 |
| Return on Equity (ROE) | 11.8060% | 1,876 |
| Retained earnings to average equity (ytd only) | 7.0248% | 1,910 |
| Net charge-offs to loans | -0.0920% | 4,561 |
| Credit loss provision to net charge-offs | -10.1695% | 3,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1406% | 4,344 |
| Assets per employee ($millions) | 9.8408% | 697 |
| Cash dividends to net income (ytd only)* | 40.4984% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9083% | 714 |
| Loan loss allowance to noncurrent loans | 335.2893% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 1,716 |
| Noncurrent loans to loans | 0.5692% | 1,718 |
| Net loans and leases to total assets | 65.1166% | 1,568 |
| Net loans and leases to deposits | 81.4179% | 1,107 |
| Net loans and leases to core deposits | 87.8046% | 1,086 |
| Total domestic deposits to total assets | 79.9783% | 4,226 |
| Equity capital to assets | 10.2261% | 2,445 |
| Core capital (leverage) ratio | 10.0739% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,416,800 | 2,326 |
| Average earning assets | $308,919,800 | 2,287 |
| Average equity | $32,627,400 | 2,400 |
| Average total loans | $192,361,000 | 2,290 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3137% | 3,348 |
| Cost of funding earning assets | 0.4599% | 1,288 |
| Net interest margin | 2.8538% | 3,644 |
| Noninterest income to average assets | 0.3648% | 3,273 |
| Noninterest expense to average assets | 1.4782% | 4,614 |
| Loan and lease loss provision to assets | 0.0074% | 2,834 |
| Net operating income to assets | 1.1864% | 2,215 |
| Return on assets (ROA) | 1.1984% | 2,231 |
| Pretax return on assets | 1.6165% | 1,647 |
| Return on Equity (ROE) | 11.9202% | 2,077 |
| Retained earnings to average equity (ytd only) | 7.1176% | 2,369 |
| Net charge-offs to loans | 0.0507% | 1,161 |
| Credit loss provision to net charge-offs | 25.3521% | 1,969 |
| Earnings coverage of net charge-offs (x) | 54.9014% | 1,186 |
| Efficiency ratio | 47.8877% | 4,372 |
| Assets per employee ($millions) | 10.4607% | 561 |
| Cash dividends to net income (ytd only)* | 40.2893% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1744% | 478 |
| Loan loss allowance to noncurrent loans | 659.7270% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 2,949 |
| Noncurrent loans to loans | 0.3296% | 2,602 |
| Net loans and leases to total assets | 51.9602% | 3,192 |
| Net loans and leases to deposits | 66.0051% | 2,626 |
| Net loans and leases to core deposits | 71.2395% | 2,494 |
| Total domestic deposits to total assets | 78.7215% | 4,354 |
| Equity capital to assets | 9.9522% | 2,945 |
| Core capital (leverage) ratio | 10.1005% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,084,000 | 2,354 |
| Average earning assets | $308,167,500 | 2,317 |
| Average equity | $32,482,000 | 2,437 |
| Average total loans | $186,556,500 | 2,368 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3007% | 3,421 |
| Cost of funding earning assets | 0.4827% | 1,304 |
| Net interest margin | 2.8180% | 3,752 |
| Noninterest income to average assets | 0.3772% | 3,232 |
| Noninterest expense to average assets | 1.4374% | 4,688 |
| Loan and lease loss provision to assets | 0.0113% | 2,715 |
| Net operating income to assets | 1.2043% | 2,178 |
| Return on assets (ROA) | 1.2043% | 2,249 |
| Pretax return on assets | 1.6247% | 1,667 |
| Return on Equity (ROE) | 11.9362% | 2,089 |
| Retained earnings to average equity (ytd only) | 7.0921% | 2,398 |
| Net charge-offs to loans | 0.0855% | 825 |
| Credit loss provision to net charge-offs | 22.2222% | 1,725 |
| Earnings coverage of net charge-offs (x) | 32.2346% | 1,271 |
| Efficiency ratio | 46.7686% | 4,478 |
| Assets per employee ($millions) | 9.6809% | 678 |
| Cash dividends to net income (ytd only)* | 40.5827% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0689% | 532 |
| Loan loss allowance to noncurrent loans | 614.0127% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,969 |
| Noncurrent loans to loans | 0.3369% | 2,702 |
| Net loans and leases to total assets | 57.1328% | 2,774 |
| Net loans and leases to deposits | 71.8859% | 2,217 |
| Net loans and leases to core deposits | 76.9706% | 2,142 |
| Total domestic deposits to total assets | 79.4769% | 4,294 |
| Equity capital to assets | 10.2254% | 2,643 |
| Core capital (leverage) ratio | 9.8664% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,198,333 | 2,365 |
| Average earning assets | $305,394,333 | 2,319 |
| Average equity | $32,204,667 | 2,441 |
| Average total loans | $189,476,000 | 2,350 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2599% | 3,546 |
| Cost of funding earning assets | 0.5079% | 1,342 |
| Net interest margin | 2.7521% | 3,863 |
| Noninterest income to average assets | 0.3535% | 3,322 |
| Noninterest expense to average assets | 1.4317% | 4,710 |
| Loan and lease loss provision to assets | 0.0226% | 2,489 |
| Net operating income to assets | 1.1383% | 2,361 |
| Return on assets (ROA) | 1.1383% | 2,426 |
| Pretax return on assets | 1.5420% | 1,878 |
| Return on Equity (ROE) | 11.3594% | 2,245 |
| Retained earnings to average equity (ytd only) | 6.4804% | 2,737 |
| Net charge-offs to loans | 0.2010% | 405 |
| Credit loss provision to net charge-offs | 18.7500% | 1,427 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,413 |
| Efficiency ratio | 47.7824% | 4,353 |
| Assets per employee ($millions) | 10.8134% | 471 |
| Cash dividends to net income (ytd only)* | 42.9515% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 598 |
| Loan loss allowance to noncurrent loans | 602.1944% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 3,184 |
| Noncurrent loans to loans | 0.3322% | 2,904 |
| Net loans and leases to total assets | 58.0164% | 2,802 |
| Net loans and leases to deposits | 73.0688% | 2,206 |
| Net loans and leases to core deposits | 78.3096% | 2,155 |
| Total domestic deposits to total assets | 79.3997% | 4,283 |
| Equity capital to assets | 9.8168% | 2,881 |
| Core capital (leverage) ratio | 9.8950% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,062,500 | 2,346 |
| Average earning assets | $306,386,000 | 2,296 |
| Average equity | $31,973,500 | 2,440 |
| Average total loans | $191,025,000 | 2,346 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8506% | 3,161 |
| Cost of funding earning assets | 0.7498% | 1,446 |
| Net interest margin | 3.1008% | 3,623 |
| Noninterest income to average assets | 0.3768% | 3,228 |
| Noninterest expense to average assets | 1.5862% | 4,718 |
| Loan and lease loss provision to assets | 0.1989% | 1,967 |
| Net operating income to assets | 1.1753% | 1,627 |
| Return on assets (ROA) | 1.2303% | 1,554 |
| Pretax return on assets | 1.6421% | 975 |
| Return on Equity (ROE) | 11.7146% | 1,403 |
| Retained earnings to average equity (ytd only) | 6.6213% | 1,537 |
| Net charge-offs to loans | 0.0839% | 1,623 |
| Credit loss provision to net charge-offs | 351.5152% | 1,577 |
| Earnings coverage of net charge-offs (x) | 31.3091% | 1,570 |
| Efficiency ratio | 47.2426% | 4,664 |
| Assets per employee ($millions) | 9.5067% | 623 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0626% | 522 |
| Loan loss allowance to noncurrent loans | 395.8586% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 2,732 |
| Noncurrent loans to loans | 0.5210% | 2,416 |
| Net loans and leases to total assets | 59.3143% | 2,946 |
| Net loans and leases to deposits | 74.4090% | 2,446 |
| Net loans and leases to core deposits | 79.8899% | 2,377 |
| Total domestic deposits to total assets | 79.7139% | 4,093 |
| Equity capital to assets | 10.2323% | 2,900 |
| Core capital (leverage) ratio | 9.8584% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,635,200 | 2,337 |
| Average earning assets | $280,345,200 | 2,289 |
| Average equity | $30,628,400 | 2,451 |
| Average total loans | $196,762,800 | 2,267 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 3,262 |
| Cost of funding earning assets | 0.8010% | 1,494 |
| Net interest margin | 3.0959% | 3,751 |
| Noninterest income to average assets | 0.3472% | 3,388 |
| Noninterest expense to average assets | 1.6035% | 4,725 |
| Loan and lease loss provision to assets | 0.2143% | 1,876 |
| Net operating income to assets | 1.1187% | 1,919 |
| Return on assets (ROA) | 1.1743% | 1,854 |
| Pretax return on assets | 1.5788% | 1,245 |
| Return on Equity (ROE) | 11.1034% | 1,646 |
| Retained earnings to average equity (ytd only) | 5.9482% | 2,127 |
| Net charge-offs to loans | 0.1182% | 1,179 |
| Credit loss provision to net charge-offs | 261.3636% | 1,889 |
| Earnings coverage of net charge-offs (x) | 21.0057% | 1,881 |
| Efficiency ratio | 48.2068% | 4,595 |
| Assets per employee ($millions) | 9.1365% | 669 |
| Cash dividends to net income (ytd only)* | 46.4286% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 673 |
| Loan loss allowance to noncurrent loans | 310.4918% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 2,555 |
| Noncurrent loans to loans | 0.5914% | 2,321 |
| Net loans and leases to total assets | 67.1670% | 2,365 |
| Net loans and leases to deposits | 87.3058% | 1,557 |
| Net loans and leases to core deposits | 94.6663% | 1,577 |
| Total domestic deposits to total assets | 76.9331% | 4,331 |
| Equity capital to assets | 10.4303% | 2,849 |
| Core capital (leverage) ratio | 9.9231% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,113,500 | 2,346 |
| Average earning assets | $275,327,500 | 2,296 |
| Average equity | $30,260,250 | 2,458 |
| Average total loans | $198,453,250 | 2,249 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9822% | 3,371 |
| Cost of funding earning assets | 0.8511% | 1,599 |
| Net interest margin | 3.1312% | 3,834 |
| Noninterest income to average assets | 0.3516% | 3,372 |
| Noninterest expense to average assets | 1.6250% | 4,754 |
| Loan and lease loss provision to assets | 0.1566% | 2,435 |
| Net operating income to assets | 1.1806% | 1,695 |
| Return on assets (ROA) | 1.2656% | 1,568 |
| Pretax return on assets | 1.7047% | 994 |
| Return on Equity (ROE) | 11.9072% | 1,350 |
| Retained earnings to average equity (ytd only) | 6.6836% | 1,783 |
| Net charge-offs to loans | -0.0225% | 4,442 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0935% | 4,620 |
| Assets per employee ($millions) | 9.0996% | 662 |
| Cash dividends to net income (ytd only)* | 43.8695% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 766 |
| Loan loss allowance to noncurrent loans | 55.1922% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 2.2608% | 280 |
| Noncurrent loans to loans | 3.1378% | 290 |
| Net loans and leases to total assets | 70.8034% | 1,908 |
| Net loans and leases to deposits | 90.4887% | 1,312 |
| Net loans and leases to core deposits | 97.8521% | 1,423 |
| Total domestic deposits to total assets | 78.2456% | 4,156 |
| Equity capital to assets | 10.3567% | 2,879 |
| Core capital (leverage) ratio | 10.0007% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,983,000 | 2,355 |
| Average earning assets | $271,656,667 | 2,298 |
| Average equity | $29,864,333 | 2,475 |
| Average total loans | $195,837,667 | 2,247 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 3,349 |
| Cost of funding earning assets | 0.9461% | 1,662 |
| Net interest margin | 3.2143% | 3,822 |
| Noninterest income to average assets | 0.3464% | 3,443 |
| Noninterest expense to average assets | 1.6821% | 4,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2939% | 1,261 |
| Return on assets (ROA) | 1.4698% | 911 |
| Pretax return on assets | 1.9872% | 459 |
| Return on Equity (ROE) | 13.6358% | 772 |
| Retained earnings to average equity (ytd only) | 8.3018% | 1,141 |
| Net charge-offs to loans | -0.0237% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8024% | 4,719 |
| Assets per employee ($millions) | 8.2215% | 683 |
| Cash dividends to net income (ytd only)* | 39.1174% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 625 |
| Loan loss allowance to noncurrent loans | 247.9549% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 2,424 |
| Noncurrent loans to loans | 0.7600% | 2,099 |
| Net loans and leases to total assets | 67.4748% | 2,620 |
| Net loans and leases to deposits | 83.9248% | 2,240 |
| Net loans and leases to core deposits | 94.0271% | 1,974 |
| Total domestic deposits to total assets | 80.3992% | 3,776 |
| Equity capital to assets | 10.8253% | 3,024 |
| Core capital (leverage) ratio | 10.8692% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,330,500 | 2,361 |
| Average earning assets | $261,709,000 | 2,309 |
| Average equity | $29,246,500 | 2,499 |
| Average total loans | $185,576,000 | 2,298 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 3,056 |
| Cost of funding earning assets | 0.9928% | 1,754 |
| Net interest margin | 3.4737% | 3,526 |
| Noninterest income to average assets | 0.4262% | 3,128 |
| Noninterest expense to average assets | 1.7659% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4923% | 1,074 |
| Return on assets (ROA) | 1.5306% | 1,041 |
| Pretax return on assets | 2.0519% | 529 |
| Return on Equity (ROE) | 14.2257% | 857 |
| Retained earnings to average equity (ytd only) | 5.2114% | 2,307 |
| Net charge-offs to loans | 0.1548% | 1,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 18.7518% | 2,038 |
| Efficiency ratio | 46.8489% | 4,879 |
| Assets per employee ($millions) | 8.2228% | 658 |
| Cash dividends to net income (ytd only)* | 63.3663% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8990% | 552 |
| Loan loss allowance to noncurrent loans | 452.8424% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 3,285 |
| Noncurrent loans to loans | 0.4194% | 2,942 |
| Net loans and leases to total assets | 66.7272% | 2,872 |
| Net loans and leases to deposits | 82.3071% | 2,522 |
| Net loans and leases to core deposits | 92.0776% | 2,229 |
| Total domestic deposits to total assets | 81.0710% | 3,752 |
| Equity capital to assets | 10.7326% | 3,228 |
| Core capital (leverage) ratio | 10.6785% | 2,781 |
| Tier 1 risk-based capital ratio | 13.5600% | 3,482 |
| Total risk-based capital ratio | 14.8148% | 3,389 |
| Memoranda: | ||
| Average total assets | $263,947,400 | 2,371 |
| Average earning assets | $254,026,000 | 2,312 |
| Average equity | $28,399,400 | 2,477 |
| Average total loans | $182,111,800 | 2,296 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 3,012 |
| Cost of funding earning assets | 0.9964% | 1,778 |
| Net interest margin | 3.5188% | 3,510 |
| Noninterest income to average assets | 0.4059% | 3,275 |
| Noninterest expense to average assets | 1.7332% | 4,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5376% | 1,094 |
| Return on assets (ROA) | 1.5597% | 1,087 |
| Pretax return on assets | 2.0872% | 566 |
| Return on Equity (ROE) | 14.4866% | 891 |
| Retained earnings to average equity (ytd only) | 8.9584% | 1,059 |
| Net charge-offs to loans | 0.1535% | 1,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 19.3684% | 2,004 |
| Efficiency ratio | 45.7009% | 4,948 |
| Assets per employee ($millions) | 8.2081% | 640 |
| Cash dividends to net income (ytd only)* | 38.1604% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0234% | 443 |
| Loan loss allowance to noncurrent loans | 240.3627% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 2,307 |
| Noncurrent loans to loans | 0.8418% | 1,896 |
| Net loans and leases to total assets | 65.9798% | 3,051 |
| Net loans and leases to deposits | 82.3092% | 2,649 |
| Net loans and leases to core deposits | 92.8442% | 2,287 |
| Total domestic deposits to total assets | 80.1610% | 3,963 |
| Equity capital to assets | 11.2823% | 2,848 |
| Core capital (leverage) ratio | 11.0594% | 2,593 |
| Tier 1 risk-based capital ratio | 14.1702% | 3,239 |
| Total risk-based capital ratio | 15.4261% | 3,144 |
| Memoranda: | ||
| Average total assets | $262,096,500 | 2,399 |
| Average earning assets | $252,235,500 | 2,341 |
| Average equity | $28,218,500 | 2,504 |
| Average total loans | $181,497,250 | 2,326 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5491% | 2,853 |
| Cost of funding earning assets | 0.9827% | 1,780 |
| Net interest margin | 3.5664% | 3,375 |
| Noninterest income to average assets | 0.4116% | 3,200 |
| Noninterest expense to average assets | 1.7334% | 4,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5807% | 949 |
| Return on assets (ROA) | 1.5807% | 988 |
| Pretax return on assets | 2.1145% | 532 |
| Return on Equity (ROE) | 14.9207% | 777 |
| Retained earnings to average equity (ytd only) | 9.2984% | 961 |
| Net charge-offs to loans | 0.2295% | 735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 13.1857% | 2,117 |
| Efficiency ratio | 45.0486% | 5,024 |
| Assets per employee ($millions) | 8.0513% | 656 |
| Cash dividends to net income (ytd only)* | 37.6812% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0051% | 473 |
| Loan loss allowance to noncurrent loans | 253.9390% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 2,369 |
| Noncurrent loans to loans | 0.7896% | 2,013 |
| Net loans and leases to total assets | 67.8731% | 2,830 |
| Net loans and leases to deposits | 83.2579% | 2,575 |
| Net loans and leases to core deposits | 93.4669% | 2,284 |
| Total domestic deposits to total assets | 81.5216% | 3,658 |
| Equity capital to assets | 11.2622% | 2,804 |
| Core capital (leverage) ratio | 10.7618% | 2,826 |
| Tier 1 risk-based capital ratio | 13.9034% | 3,368 |
| Total risk-based capital ratio | 15.1595% | 3,267 |
| Memoranda: | ||
| Average total assets | $261,909,000 | 2,408 |
| Average earning assets | $252,356,330 | 2,345 |
| Average equity | $27,746,670 | 2,520 |
| Average total loans | $183,036,000 | 2,315 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 2,999 |
| Cost of funding earning assets | 0.9438% | 1,816 |
| Net interest margin | 3.5187% | 3,545 |
| Noninterest income to average assets | 0.3666% | 3,401 |
| Noninterest expense to average assets | 1.7073% | 5,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5361% | 1,041 |
| Return on assets (ROA) | 1.5361% | 1,064 |
| Pretax return on assets | 2.0482% | 586 |
| Return on Equity (ROE) | 14.9602% | 754 |
| Retained earnings to average equity (ytd only) | 9.2063% | 1,247 |
| Net charge-offs to loans | 0.3907% | 394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 7.4696% | 2,133 |
| Efficiency ratio | 45.4619% | 5,048 |
| Assets per employee ($millions) | 7.9961% | 670 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9226% | 574 |
| Loan loss allowance to noncurrent loans | 243.3873% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 2,402 |
| Noncurrent loans to loans | 0.7900% | 2,064 |
| Net loans and leases to total assets | 69.7304% | 2,524 |
| Net loans and leases to deposits | 85.5475% | 2,182 |
| Net loans and leases to core deposits | 93.9979% | 2,123 |
| Total domestic deposits to total assets | 81.5107% | 3,852 |
| Equity capital to assets | 10.4949% | 3,350 |
| Core capital (leverage) ratio | 10.4937% | 3,055 |
| Tier 1 risk-based capital ratio | 12.6001% | 4,102 |
| Total risk-based capital ratio | 13.8550% | 3,977 |
| Memoranda: | ||
| Average total assets | $264,043,000 | 2,412 |
| Average earning assets | $254,301,000 | 2,352 |
| Average equity | $27,112,000 | 2,563 |
| Average total loans | $185,330,500 | 2,315 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 3,365 |
| Cost of funding earning assets | 0.7978% | 1,529 |
| Net interest margin | 3.4293% | 3,911 |
| Noninterest income to average assets | 0.4472% | 3,120 |
| Noninterest expense to average assets | 1.6293% | 5,148 |
| Loan and lease loss provision to assets | 0.1393% | 1,541 |
| Net operating income to assets | 1.4749% | 1,185 |
| Return on assets (ROA) | 1.4789% | 1,167 |
| Pretax return on assets | 1.9694% | 597 |
| Return on Equity (ROE) | 15.0857% | 809 |
| Retained earnings to average equity (ytd only) | 8.9299% | 891 |
| Net charge-offs to loans | -0.0228% | 4,731 |
| Credit loss provision to net charge-offs | -878.0488% | 4,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6477% | 5,193 |
| Assets per employee ($millions) | 8.2567% | 604 |
| Cash dividends to net income (ytd only)* | 40.8057% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0693% | 422 |
| Loan loss allowance to noncurrent loans | 834.3612% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 3,950 |
| Noncurrent loans to loans | 0.2480% | 3,697 |
| Net loans and leases to total assets | 67.8492% | 2,898 |
| Net loans and leases to deposits | 84.4547% | 2,464 |
| Net loans and leases to core deposits | 92.9225% | 2,326 |
| Total domestic deposits to total assets | 80.3379% | 4,031 |
| Equity capital to assets | 10.0415% | 3,643 |
| Core capital (leverage) ratio | 10.1931% | 3,364 |
| Tier 1 risk-based capital ratio | 12.4708% | 4,157 |
| Total risk-based capital ratio | 13.7268% | 4,021 |
| Memoranda: | ||
| Average total assets | $258,511,200 | 2,413 |
| Average earning assets | $247,690,000 | 2,355 |
| Average equity | $25,341,800 | 2,620 |
| Average total loans | $179,575,000 | 2,339 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 3,470 |
| Cost of funding earning assets | 0.7576% | 1,549 |
| Net interest margin | 3.3900% | 4,033 |
| Noninterest income to average assets | 0.4481% | 3,180 |
| Noninterest expense to average assets | 1.5548% | 5,241 |
| Loan and lease loss provision to assets | 0.1400% | 1,423 |
| Net operating income to assets | 1.4993% | 1,194 |
| Return on assets (ROA) | 1.4993% | 1,191 |
| Pretax return on assets | 1.9998% | 622 |
| Return on Equity (ROE) | 15.3909% | 806 |
| Retained earnings to average equity (ytd only) | 9.1621% | 1,163 |
| Net charge-offs to loans | 0.0007% | 3,473 |
| Credit loss provision to net charge-offs | 27,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 4,136.2406% | 10 |
| Efficiency ratio | 42.0831% | 5,266 |
| Assets per employee ($millions) | 8.3102% | 564 |
| Cash dividends to net income (ytd only)* | 40.4704% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9922% | 492 |
| Loan loss allowance to noncurrent loans | 1,913.6126% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 4,614 |
| Noncurrent loans to loans | 0.1041% | 4,419 |
| Net loans and leases to total assets | 67.6162% | 2,996 |
| Net loans and leases to deposits | 82.6552% | 2,751 |
| Net loans and leases to core deposits | 90.5027% | 2,618 |
| Total domestic deposits to total assets | 81.8051% | 3,668 |
| Equity capital to assets | 9.5801% | 4,009 |
| Core capital (leverage) ratio | 10.0924% | 3,532 |
| Tier 1 risk-based capital ratio | 12.4157% | 4,241 |
| Total risk-based capital ratio | 13.6715% | 4,129 |
| Memoranda: | ||
| Average total assets | $257,085,500 | 2,441 |
| Average earning assets | $246,211,500 | 2,374 |
| Average equity | $25,044,500 | 2,658 |
| Average total loans | $178,705,000 | 2,359 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0875% | 3,501 |
| Cost of funding earning assets | 0.7161% | 1,539 |
| Net interest margin | 3.3714% | 4,043 |
| Noninterest income to average assets | 0.3919% | 3,541 |
| Noninterest expense to average assets | 1.5314% | 5,321 |
| Loan and lease loss provision to assets | 0.1417% | 1,378 |
| Net operating income to assets | 1.4575% | 1,257 |
| Return on assets (ROA) | 1.4575% | 1,257 |
| Pretax return on assets | 1.9422% | 700 |
| Return on Equity (ROE) | 14.8751% | 878 |
| Retained earnings to average equity (ytd only) | 8.6102% | 1,354 |
| Net charge-offs to loans | 0.0045% | 3,012 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 662.0000% | 128 |
| Efficiency ratio | 42.3596% | 5,328 |
| Assets per employee ($millions) | 8.7287% | 487 |
| Cash dividends to net income (ytd only)* | 42.1166% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9777% | 535 |
| Loan loss allowance to noncurrent loans | 800.6742% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 4,139 |
| Noncurrent loans to loans | 0.2470% | 3,815 |
| Net loans and leases to total assets | 67.4381% | 2,956 |
| Net loans and leases to deposits | 82.6507% | 2,699 |
| Net loans and leases to core deposits | 91.3646% | 2,448 |
| Total domestic deposits to total assets | 81.5941% | 3,844 |
| Equity capital to assets | 9.6078% | 3,996 |
| Core capital (leverage) ratio | 9.9493% | 3,634 |
| Tier 1 risk-based capital ratio | 12.3234% | 4,294 |
| Total risk-based capital ratio | 13.5787% | 4,171 |
| Memoranda: | ||
| Average total assets | $254,138,670 | 2,476 |
| Average earning assets | $242,984,670 | 2,416 |
| Average equity | $24,900,670 | 2,673 |
| Average total loans | $177,118,670 | 2,378 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 3,638 |
| Cost of funding earning assets | 0.6518% | 1,712 |
| Net interest margin | 3.3394% | 4,078 |
| Noninterest income to average assets | 0.3676% | 3,681 |
| Noninterest expense to average assets | 1.4927% | 5,402 |
| Loan and lease loss provision to assets | 0.1438% | 1,306 |
| Net operating income to assets | 1.4448% | 1,209 |
| Return on assets (ROA) | 1.4448% | 1,217 |
| Pretax return on assets | 1.9243% | 684 |
| Return on Equity (ROE) | 14.5974% | 877 |
| Retained earnings to average equity (ytd only) | 8.2999% | 1,730 |
| Net charge-offs to loans | -0.0068% | 4,114 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9210% | 5,402 |
| Assets per employee ($millions) | 8.7289% | 484 |
| Cash dividends to net income (ytd only)* | 43.1416% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9697% | 581 |
| Loan loss allowance to noncurrent loans | 310.9920% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 3,076 |
| Noncurrent loans to loans | 0.6334% | 2,643 |
| Net loans and leases to total assets | 68.4197% | 2,716 |
| Net loans and leases to deposits | 83.4005% | 2,463 |
| Net loans and leases to core deposits | 87.8620% | 2,641 |
| Total domestic deposits to total assets | 82.0375% | 3,954 |
| Equity capital to assets | 9.7634% | 3,824 |
| Core capital (leverage) ratio | 10.2609% | 3,229 |
| Tier 1 risk-based capital ratio | 12.3053% | 4,375 |
| Total risk-based capital ratio | 13.5609% | 4,264 |
| Memoranda: | ||
| Average total assets | $250,277,500 | 2,512 |
| Average earning assets | $239,326,500 | 2,452 |
| Average equity | $24,771,500 | 2,704 |
| Average total loans | $175,599,500 | 2,408 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 3,349 |
| Cost of funding earning assets | 0.6134% | 1,519 |
| Net interest margin | 3.4026% | 3,847 |
| Noninterest income to average assets | 0.3689% | 3,834 |
| Noninterest expense to average assets | 1.5707% | 5,437 |
| Loan and lease loss provision to assets | 0.0496% | 3,231 |
| Net operating income to assets | 1.1882% | 1,554 |
| Return on assets (ROA) | 1.1882% | 1,578 |
| Pretax return on assets | 2.0029% | 487 |
| Return on Equity (ROE) | 11.7615% | 1,277 |
| Retained earnings to average equity (ytd only) | 5.3818% | 1,875 |
| Net charge-offs to loans | 0.3580% | 710 |
| Credit loss provision to net charge-offs | 19.0174% | 3,620 |
| Earnings coverage of net charge-offs (x) | 7.8732% | 2,983 |
| Efficiency ratio | 43.3523% | 5,469 |
| Assets per employee ($millions) | 8.5316% | 528 |
| Cash dividends to net income (ytd only)* | 54.2420% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9407% | 599 |
| Loan loss allowance to noncurrent loans | 348.0987% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 3,286 |
| Noncurrent loans to loans | 0.5575% | 2,829 |
| Net loans and leases to total assets | 69.1689% | 2,651 |
| Net loans and leases to deposits | 83.8314% | 2,511 |
| Net loans and leases to core deposits | 88.4574% | 2,687 |
| Total domestic deposits to total assets | 82.5096% | 3,727 |
| Equity capital to assets | 10.0349% | 3,670 |
| Core capital (leverage) ratio | 10.1698% | 3,224 |
| Tier 1 risk-based capital ratio | 12.4722% | 4,221 |
| Total risk-based capital ratio | 13.7279% | 4,118 |
| Memoranda: | ||
| Average total assets | $242,055,000 | 2,551 |
| Average earning assets | $231,500,400 | 2,485 |
| Average equity | $24,452,600 | 2,717 |
| Average total loans | $176,238,400 | 2,369 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 3,358 |
| Cost of funding earning assets | 0.6015% | 1,520 |
| Net interest margin | 3.3985% | 3,854 |
| Noninterest income to average assets | 0.3445% | 4,076 |
| Noninterest expense to average assets | 1.5559% | 5,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3537% | 1,193 |
| Return on assets (ROA) | 1.3537% | 1,217 |
| Pretax return on assets | 2.0433% | 502 |
| Return on Equity (ROE) | 13.3775% | 964 |
| Retained earnings to average equity (ytd only) | 6.9733% | 1,701 |
| Net charge-offs to loans | 0.2709% | 799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 10.2759% | 2,611 |
| Efficiency ratio | 43.2287% | 5,507 |
| Assets per employee ($millions) | 8.3834% | 548 |
| Cash dividends to net income (ytd only)* | 47.8722% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9807% | 593 |
| Loan loss allowance to noncurrent loans | 183.0403% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.7955% | 2,154 |
| Noncurrent loans to loans | 1.0821% | 1,778 |
| Net loans and leases to total assets | 72.0569% | 2,245 |
| Net loans and leases to deposits | 88.2472% | 2,022 |
| Net loans and leases to core deposits | 93.3906% | 2,314 |
| Total domestic deposits to total assets | 81.6534% | 3,880 |
| Equity capital to assets | 10.3279% | 3,563 |
| Core capital (leverage) ratio | 10.3040% | 3,193 |
| Tier 1 risk-based capital ratio | 12.0704% | 4,559 |
| Total risk-based capital ratio | 13.3262% | 4,448 |
| Memoranda: | ||
| Average total assets | $240,714,750 | 2,575 |
| Average earning assets | $230,525,000 | 2,511 |
| Average equity | $24,358,750 | 2,746 |
| Average total loans | $176,667,500 | 2,377 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 3,295 |
| Cost of funding earning assets | 0.5873% | 1,530 |
| Net interest margin | 3.3905% | 3,807 |
| Noninterest income to average assets | 0.3501% | 4,051 |
| Noninterest expense to average assets | 1.5431% | 5,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3680% | 1,134 |
| Return on assets (ROA) | 1.3680% | 1,160 |
| Pretax return on assets | 2.0557% | 489 |
| Return on Equity (ROE) | 13.6134% | 889 |
| Retained earnings to average equity (ytd only) | 7.1427% | 1,522 |
| Net charge-offs to loans | -0.0375% | 5,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8770% | 5,553 |
| Assets per employee ($millions) | 8.2562% | 556 |
| Cash dividends to net income (ytd only)* | 47.5320% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2139% | 426 |
| Loan loss allowance to noncurrent loans | 309.7715% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 3,000 |
| Noncurrent loans to loans | 0.7147% | 2,606 |
| Net loans and leases to total assets | 72.5161% | 2,121 |
| Net loans and leases to deposits | 88.3386% | 1,946 |
| Net loans and leases to core deposits | 93.2060% | 2,224 |
| Total domestic deposits to total assets | 82.0888% | 3,857 |
| Equity capital to assets | 10.3600% | 3,499 |
| Core capital (leverage) ratio | 10.1237% | 3,371 |
| Tier 1 risk-based capital ratio | 12.0772% | 4,584 |
| Total risk-based capital ratio | 13.3357% | 4,451 |
| Memoranda: | ||
| Average total assets | $239,913,330 | 2,591 |
| Average earning assets | $229,879,000 | 2,528 |
| Average equity | $24,108,670 | 2,770 |
| Average total loans | $175,982,000 | 2,381 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 3,417 |
| Cost of funding earning assets | 0.5727% | 1,559 |
| Net interest margin | 3.3228% | 3,939 |
| Noninterest income to average assets | 0.3498% | 4,043 |
| Noninterest expense to average assets | 1.5257% | 5,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3391% | 1,141 |
| Return on assets (ROA) | 1.3391% | 1,175 |
| Pretax return on assets | 2.0037% | 499 |
| Return on Equity (ROE) | 13.5351% | 896 |
| Retained earnings to average equity (ytd only) | 6.9696% | 1,859 |
| Net charge-offs to loans | -0.0046% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2279% | 5,619 |
| Assets per employee ($millions) | 8.6606% | 476 |
| Cash dividends to net income (ytd only)* | 48.5075% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1870% | 486 |
| Loan loss allowance to noncurrent loans | 246.2121% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 2,674 |
| Noncurrent loans to loans | 0.8883% | 2,251 |
| Net loans and leases to total assets | 71.9287% | 2,083 |
| Net loans and leases to deposits | 86.5908% | 1,966 |
| Net loans and leases to core deposits | 90.6457% | 2,298 |
| Total domestic deposits to total assets | 83.0674% | 3,807 |
| Equity capital to assets | 9.8925% | 3,885 |
| Core capital (leverage) ratio | 10.0344% | 3,453 |
| Tier 1 risk-based capital ratio | 11.9563% | 4,747 |
| Total risk-based capital ratio | 13.2148% | 4,641 |
| Memoranda: | ||
| Average total assets | $240,154,500 | 2,613 |
| Average earning assets | $229,805,000 | 2,556 |
| Average equity | $23,760,500 | 2,814 |
| Average total loans | $175,194,500 | 2,404 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 3,414 |
| Cost of funding earning assets | 0.5588% | 1,611 |
| Net interest margin | 3.3825% | 3,881 |
| Noninterest income to average assets | 0.3555% | 4,194 |
| Noninterest expense to average assets | 1.5753% | 5,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3583% | 1,079 |
| Return on assets (ROA) | 1.3128% | 1,243 |
| Pretax return on assets | 1.9634% | 548 |
| Return on Equity (ROE) | 12.8676% | 1,024 |
| Retained earnings to average equity (ytd only) | 6.2230% | 1,596 |
| Net charge-offs to loans | 0.3002% | 919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 9.0581% | 2,792 |
| Efficiency ratio | 43.6800% | 5,705 |
| Assets per employee ($millions) | 8.4933% | 502 |
| Cash dividends to net income (ytd only)* | 51.6385% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2654% | 428 |
| Loan loss allowance to noncurrent loans | 198.2706% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 2,280 |
| Noncurrent loans to loans | 1.1426% | 1,792 |
| Net loans and leases to total assets | 70.7138% | 2,379 |
| Net loans and leases to deposits | 85.6312% | 2,229 |
| Net loans and leases to core deposits | 89.5014% | 2,550 |
| Total domestic deposits to total assets | 82.5795% | 3,906 |
| Equity capital to assets | 9.8952% | 3,823 |
| Core capital (leverage) ratio | 9.9914% | 3,491 |
| Tier 1 risk-based capital ratio | 11.9460% | 4,770 |
| Total risk-based capital ratio | 13.2053% | 4,645 |
| Memoranda: | ||
| Average total assets | $230,111,800 | 2,668 |
| Average earning assets | $221,171,000 | 2,583 |
| Average equity | $23,477,600 | 2,849 |
| Average total loans | $171,885,200 | 2,395 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 3,395 |
| Cost of funding earning assets | 0.5492% | 1,699 |
| Net interest margin | 3.4057% | 3,821 |
| Noninterest income to average assets | 0.3482% | 4,295 |
| Noninterest expense to average assets | 1.5998% | 5,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3503% | 1,164 |
| Return on assets (ROA) | 1.3597% | 1,224 |
| Pretax return on assets | 2.0416% | 522 |
| Return on Equity (ROE) | 13.2228% | 988 |
| Retained earnings to average equity (ytd only) | 6.5745% | 1,860 |
| Net charge-offs to loans | 0.2809% | 819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 9.5857% | 2,672 |
| Efficiency ratio | 44.1044% | 5,745 |
| Assets per employee ($millions) | 7.8208% | 631 |
| Cash dividends to net income (ytd only)* | 50.2793% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3216% | 421 |
| Loan loss allowance to noncurrent loans | 175.0324% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.9867% | 2,099 |
| Noncurrent loans to loans | 1.3264% | 1,671 |
| Net loans and leases to total assets | 72.6609% | 2,074 |
| Net loans and leases to deposits | 91.3651% | 1,585 |
| Net loans and leases to core deposits | 94.9770% | 2,107 |
| Total domestic deposits to total assets | 79.5281% | 4,613 |
| Equity capital to assets | 10.2436% | 3,862 |
| Core capital (leverage) ratio | 10.0823% | 3,460 |
| Tier 1 risk-based capital ratio | 11.7722% | 4,936 |
| Total risk-based capital ratio | 13.0320% | 4,827 |
| Memoranda: | ||
| Average total assets | $228,186,750 | 2,690 |
| Average earning assets | $219,703,000 | 2,609 |
| Average equity | $23,464,000 | 2,868 |
| Average total loans | $171,840,500 | 2,394 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 3,186 |
| Cost of funding earning assets | 0.5345% | 1,832 |
| Net interest margin | 3.4807% | 3,562 |
| Noninterest income to average assets | 0.3451% | 4,311 |
| Noninterest expense to average assets | 1.5979% | 5,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3949% | 1,067 |
| Return on assets (ROA) | 1.4077% | 1,103 |
| Pretax return on assets | 2.1200% | 448 |
| Return on Equity (ROE) | 13.6719% | 891 |
| Retained earnings to average equity (ytd only) | 6.9692% | 1,619 |
| Net charge-offs to loans | 0.4270% | 529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.5041% | 2,730 |
| Efficiency ratio | 43.2057% | 5,833 |
| Assets per employee ($millions) | 7.8391% | 608 |
| Cash dividends to net income (ytd only)* | 49.0258% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3213% | 448 |
| Loan loss allowance to noncurrent loans | 143.1754% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.2440% | 1,646 |
| Noncurrent loans to loans | 1.6213% | 1,317 |
| Net loans and leases to total assets | 74.9461% | 1,660 |
| Net loans and leases to deposits | 93.5105% | 1,338 |
| Net loans and leases to core deposits | 96.9964% | 1,893 |
| Total domestic deposits to total assets | 80.1473% | 4,506 |
| Equity capital to assets | 10.4727% | 3,667 |
| Core capital (leverage) ratio | 10.0003% | 3,562 |
| Tier 1 risk-based capital ratio | 11.5581% | 5,115 |
| Total risk-based capital ratio | 12.8178% | 5,000 |
| Memoranda: | ||
| Average total assets | $226,041,000 | 2,727 |
| Average earning assets | $217,769,330 | 2,641 |
| Average equity | $23,274,000 | 2,892 |
| Average total loans | $170,943,330 | 2,403 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 3,111 |
| Cost of funding earning assets | 0.5189% | 1,952 |
| Net interest margin | 3.5108% | 3,429 |
| Noninterest income to average assets | 0.3141% | 4,479 |
| Noninterest expense to average assets | 1.5688% | 5,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4127% | 1,019 |
| Return on assets (ROA) | 1.4197% | 1,061 |
| Pretax return on assets | 2.1420% | 424 |
| Return on Equity (ROE) | 13.9088% | 858 |
| Retained earnings to average equity (ytd only) | 7.1283% | 1,829 |
| Net charge-offs to loans | 0.8700% | 233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.2636% | 2,565 |
| Efficiency ratio | 42.3981% | 5,913 |
| Assets per employee ($millions) | 7.8821% | 592 |
| Cash dividends to net income (ytd only)* | 48.7500% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3479% | 477 |
| Loan loss allowance to noncurrent loans | 386.4374% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 3,759 |
| Noncurrent loans to loans | 0.6076% | 3,352 |
| Net loans and leases to total assets | 73.6194% | 1,795 |
| Net loans and leases to deposits | 88.7525% | 1,729 |
| Net loans and leases to core deposits | 92.6744% | 2,126 |
| Total domestic deposits to total assets | 82.9492% | 3,918 |
| Equity capital to assets | 10.1679% | 3,878 |
| Core capital (leverage) ratio | 10.0151% | 3,524 |
| Tier 1 risk-based capital ratio | 11.7530% | 5,079 |
| Total risk-based capital ratio | 13.0140% | 4,975 |
| Memoranda: | ||
| Average total assets | $225,394,500 | 2,729 |
| Average earning assets | $217,387,000 | 2,650 |
| Average equity | $23,007,000 | 2,927 |
| Average total loans | $169,201,500 | 2,411 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 3,236 |
| Cost of funding earning assets | 0.5181% | 2,009 |
| Net interest margin | 3.5017% | 3,516 |
| Noninterest income to average assets | 0.3674% | 4,275 |
| Noninterest expense to average assets | 1.6625% | 5,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3841% | 1,068 |
| Return on assets (ROA) | 1.4008% | 1,079 |
| Pretax return on assets | 2.1016% | 432 |
| Return on Equity (ROE) | 13.4059% | 972 |
| Retained earnings to average equity (ytd only) | -3.1232% | 5,831 |
| Net charge-offs to loans | 0.2384% | 1,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 11.7330% | 2,535 |
| Efficiency ratio | 44.4617% | 5,967 |
| Assets per employee ($millions) | 7.4069% | 743 |
| Cash dividends to net income (ytd only)* | 123.2973% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6572% | 335 |
| Loan loss allowance to noncurrent loans | 319.3198% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.6219% | 3,206 |
| Noncurrent loans to loans | 0.8321% | 2,708 |
| Net loans and leases to total assets | 72.7535% | 1,931 |
| Net loans and leases to deposits | 88.5568% | 1,803 |
| Net loans and leases to core deposits | 91.9005% | 2,234 |
| Total domestic deposits to total assets | 82.1546% | 4,128 |
| Equity capital to assets | 10.2481% | 3,684 |
| Core capital (leverage) ratio | 9.7986% | 3,778 |
| Tier 1 risk-based capital ratio | 11.8660% | 5,033 |
| Total risk-based capital ratio | 13.1299% | 4,934 |
| Memoranda: | ||
| Average total assets | $224,300,200 | 2,712 |
| Average earning assets | $215,981,400 | 2,623 |
| Average equity | $23,437,400 | 2,842 |
| Average total loans | $166,506,200 | 2,386 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 3,292 |
| Cost of funding earning assets | 0.5140% | 2,090 |
| Net interest margin | 3.4981% | 3,545 |
| Noninterest income to average assets | 0.3511% | 4,430 |
| Noninterest expense to average assets | 1.6487% | 5,946 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3831% | 1,148 |
| Return on assets (ROA) | 1.4025% | 1,145 |
| Pretax return on assets | 2.1017% | 497 |
| Return on Equity (ROE) | 13.3591% | 1,042 |
| Retained earnings to average equity (ytd only) | -6.5807% | 6,067 |
| Net charge-offs to loans | 0.1680% | 1,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 16.6430% | 2,100 |
| Efficiency ratio | 44.3028% | 6,029 |
| Assets per employee ($millions) | 6.7548% | 963 |
| Cash dividends to net income (ytd only)* | 149.2603% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7560% | 317 |
| Loan loss allowance to noncurrent loans | 275.3441% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 3,028 |
| Noncurrent loans to loans | 1.0009% | 2,482 |
| Net loans and leases to total assets | 72.8298% | 1,932 |
| Net loans and leases to deposits | 91.4718% | 1,468 |
| Net loans and leases to core deposits | 95.0225% | 1,977 |
| Total domestic deposits to total assets | 79.6200% | 4,824 |
| Equity capital to assets | 10.0013% | 4,143 |
| Core capital (leverage) ratio | 9.6762% | 4,062 |
| Tier 1 risk-based capital ratio | 11.8449% | 5,171 |
| Total risk-based capital ratio | 13.1110% | 5,085 |
| Memoranda: | ||
| Average total assets | $224,823,250 | 2,724 |
| Average earning assets | $216,607,000 | 2,634 |
| Average equity | $23,603,750 | 2,845 |
| Average total loans | $166,613,500 | 2,405 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 3,237 |
| Cost of funding earning assets | 0.5126% | 2,139 |
| Net interest margin | 3.4995% | 3,502 |
| Noninterest income to average assets | 0.3672% | 4,314 |
| Noninterest expense to average assets | 1.6313% | 6,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4045% | 1,083 |
| Return on assets (ROA) | 1.4069% | 1,116 |
| Pretax return on assets | 2.1068% | 492 |
| Return on Equity (ROE) | 13.1945% | 1,078 |
| Retained earnings to average equity (ytd only) | 7.4791% | 1,487 |
| Net charge-offs to loans | 0.2571% | 1,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.0794% | 2,323 |
| Efficiency ratio | 43.6817% | 6,125 |
| Assets per employee ($millions) | 7.2603% | 744 |
| Cash dividends to net income (ytd only)* | 43.3165% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7603% | 349 |
| Loan loss allowance to noncurrent loans | 261.3417% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 3,042 |
| Noncurrent loans to loans | 1.0562% | 2,532 |
| Net loans and leases to total assets | 71.9522% | 1,988 |
| Net loans and leases to deposits | 90.1978% | 1,576 |
| Net loans and leases to core deposits | 93.8245% | 1,973 |
| Total domestic deposits to total assets | 79.7715% | 4,914 |
| Equity capital to assets | 10.8158% | 3,093 |
| Core capital (leverage) ratio | 10.4924% | 2,967 |
| Tier 1 risk-based capital ratio | 13.0263% | 4,507 |
| Total risk-based capital ratio | 14.2924% | 4,413 |
| Memoranda: | ||
| Average total assets | $225,461,000 | 2,746 |
| Average earning assets | $216,944,000 | 2,647 |
| Average equity | $24,040,330 | 2,810 |
| Average total loans | $166,502,670 | 2,409 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0043% | 3,217 |
| Cost of funding earning assets | 0.5157% | 2,149 |
| Net interest margin | 3.4886% | 3,486 |
| Noninterest income to average assets | 0.3332% | 4,524 |
| Noninterest expense to average assets | 1.6166% | 6,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3850% | 1,061 |
| Return on assets (ROA) | 1.3897% | 1,100 |
| Pretax return on assets | 2.0810% | 504 |
| Return on Equity (ROE) | 13.1274% | 1,056 |
| Retained earnings to average equity (ytd only) | 7.3674% | 1,827 |
| Net charge-offs to loans | 0.4877% | 513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.7635% | 2,358 |
| Efficiency ratio | 43.8040% | 6,185 |
| Assets per employee ($millions) | 7.2918% | 741 |
| Cash dividends to net income (ytd only)* | 43.8776% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7631% | 380 |
| Loan loss allowance to noncurrent loans | 674.6706% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 4,761 |
| Noncurrent loans to loans | 0.4096% | 4,359 |
| Net loans and leases to total assets | 71.7373% | 1,851 |
| Net loans and leases to deposits | 87.9502% | 1,617 |
| Net loans and leases to core deposits | 91.1272% | 2,017 |
| Total domestic deposits to total assets | 81.5658% | 4,651 |
| Equity capital to assets | 10.6885% | 3,331 |
| Core capital (leverage) ratio | 10.2338% | 3,299 |
| Tier 1 risk-based capital ratio | 12.5620% | 4,863 |
| Total risk-based capital ratio | 13.8275% | 4,770 |
| Memoranda: | ||
| Average total assets | $225,657,000 | 2,760 |
| Average earning assets | $217,167,000 | 2,670 |
| Average equity | $23,889,000 | 2,839 |
| Average total loans | $166,484,500 | 2,414 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 3,222 |
| Cost of funding earning assets | 0.5817% | 1,934 |
| Net interest margin | 3.5437% | 3,627 |
| Noninterest income to average assets | 0.4010% | 4,172 |
| Noninterest expense to average assets | 1.6931% | 6,159 |
| Loan and lease loss provision to assets | 0.2481% | 927 |
| Net operating income to assets | 1.2420% | 1,459 |
| Return on assets (ROA) | 1.2556% | 1,477 |
| Pretax return on assets | 1.8870% | 662 |
| Return on Equity (ROE) | 12.3363% | 1,312 |
| Retained earnings to average equity (ytd only) | 7.0189% | 1,403 |
| Net charge-offs to loans | 0.0499% | 3,829 |
| Credit loss provision to net charge-offs | 662.6506% | 401 |
| Earnings coverage of net charge-offs (x) | 56.4940% | 836 |
| Efficiency ratio | 44.4629% | 6,310 |
| Assets per employee ($millions) | 7.0396% | 831 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8947% | 334 |
| Loan loss allowance to noncurrent loans | 450.4682% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 4,224 |
| Noncurrent loans to loans | 0.6426% | 3,759 |
| Net loans and leases to total assets | 71.6439% | 1,963 |
| Net loans and leases to deposits | 89.0442% | 1,614 |
| Net loans and leases to core deposits | 92.7166% | 2,019 |
| Total domestic deposits to total assets | 80.4587% | 4,889 |
| Equity capital to assets | 10.4840% | 3,505 |
| Core capital (leverage) ratio | 10.3006% | 3,172 |
| Tier 1 risk-based capital ratio | 13.0190% | 4,721 |
| Total risk-based capital ratio | 14.2878% | 4,617 |
| Memoranda: | ||
| Average total assets | $221,722,800 | 2,762 |
| Average earning assets | $213,166,000 | 2,679 |
| Average equity | $22,567,600 | 2,894 |
| Average total loans | $166,277,000 | 2,361 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1395% | 3,211 |
| Cost of funding earning assets | 0.5908% | 1,917 |
| Net interest margin | 3.5487% | 3,631 |
| Noninterest income to average assets | 0.3792% | 4,405 |
| Noninterest expense to average assets | 1.6784% | 6,223 |
| Loan and lease loss provision to assets | 0.2717% | 771 |
| Net operating income to assets | 1.2291% | 1,584 |
| Return on assets (ROA) | 1.2473% | 1,587 |
| Pretax return on assets | 1.8722% | 760 |
| Return on Equity (ROE) | 12.3496% | 1,383 |
| Retained earnings to average equity (ytd only) | 6.9698% | 1,834 |
| Net charge-offs to loans | 0.0128% | 4,297 |
| Credit loss provision to net charge-offs | 2,812.5000% | 140 |
| Earnings coverage of net charge-offs (x) | 219.1538% | 297 |
| Efficiency ratio | 44.2253% | 6,357 |
| Assets per employee ($millions) | 6.6706% | 929 |
| Cash dividends to net income (ytd only)* | 43.5624% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9209% | 389 |
| Loan loss allowance to noncurrent loans | 288.5266% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7523% | 3,558 |
| Noncurrent loans to loans | 1.0123% | 3,046 |
| Net loans and leases to total assets | 72.1409% | 1,823 |
| Net loans and leases to deposits | 90.9243% | 1,338 |
| Net loans and leases to core deposits | 94.9864% | 1,758 |
| Total domestic deposits to total assets | 79.3417% | 5,254 |
| Equity capital to assets | 10.4925% | 3,572 |
| Core capital (leverage) ratio | 10.1775% | 3,436 |
| Tier 1 risk-based capital ratio | 13.0011% | 4,865 |
| Total risk-based capital ratio | 14.2699% | 4,778 |
| Memoranda: | ||
| Average total assets | $220,836,750 | 2,793 |
| Average earning assets | $212,580,250 | 2,705 |
| Average equity | $22,305,250 | 2,921 |
| Average total loans | $166,296,000 | 2,375 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1498% | 3,150 |
| Cost of funding earning assets | 0.6012% | 1,887 |
| Net interest margin | 3.5487% | 3,577 |
| Noninterest income to average assets | 0.3465% | 4,661 |
| Noninterest expense to average assets | 1.6420% | 6,323 |
| Loan and lease loss provision to assets | 0.2714% | 763 |
| Net operating income to assets | 1.2284% | 1,509 |
| Return on assets (ROA) | 1.2557% | 1,493 |
| Pretax return on assets | 1.8863% | 703 |
| Return on Equity (ROE) | 12.5945% | 1,283 |
| Retained earnings to average equity (ytd only) | 7.1502% | 1,691 |
| Net charge-offs to loans | -0.0012% | 5,031 |
| Credit loss provision to net charge-offs | -30,000.0000% | 5,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6823% | 6,433 |
| Assets per employee ($millions) | 6.7991% | 874 |
| Cash dividends to net income (ytd only)* | 43.2277% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7578% | 495 |
| Loan loss allowance to noncurrent loans | 316.2015% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6948% | 3,897 |
| Noncurrent loans to loans | 0.8722% | 3,518 |
| Net loans and leases to total assets | 72.9973% | 1,575 |
| Net loans and leases to deposits | 90.6677% | 1,303 |
| Net loans and leases to core deposits | 94.2110% | 1,752 |
| Total domestic deposits to total assets | 80.5108% | 5,122 |
| Equity capital to assets | 10.1096% | 3,955 |
| Core capital (leverage) ratio | 9.9481% | 3,685 |
| Tier 1 risk-based capital ratio | 12.4477% | 5,263 |
| Total risk-based capital ratio | 13.7149% | 5,171 |
| Memoranda: | ||
| Average total assets | $221,072,670 | 2,800 |
| Average earning assets | $212,587,330 | 2,709 |
| Average equity | $22,041,330 | 2,944 |
| Average total loans | $167,201,000 | 2,367 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1582% | 3,040 |
| Cost of funding earning assets | 0.6002% | 1,969 |
| Net interest margin | 3.5579% | 3,444 |
| Noninterest income to average assets | 0.3555% | 4,536 |
| Noninterest expense to average assets | 1.6370% | 6,403 |
| Loan and lease loss provision to assets | 0.2734% | 758 |
| Net operating income to assets | 1.2469% | 1,356 |
| Return on assets (ROA) | 1.2469% | 1,413 |
| Pretax return on assets | 1.8704% | 694 |
| Return on Equity (ROE) | 12.5964% | 1,260 |
| Retained earnings to average equity (ytd only) | 7.0717% | 2,014 |
| Net charge-offs to loans | -0.0024% | 4,719 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2980% | 6,515 |
| Assets per employee ($millions) | 6.7493% | 902 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6244% | 694 |
| Loan loss allowance to noncurrent loans | 268.1981% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 3,653 |
| Noncurrent loans to loans | 0.9785% | 3,466 |
| Net loans and leases to total assets | 74.8826% | 1,138 |
| Net loans and leases to deposits | 92.0812% | 945 |
| Net loans and leases to core deposits | 95.0986% | 1,459 |
| Total domestic deposits to total assets | 81.3223% | 5,147 |
| Equity capital to assets | 9.8884% | 3,972 |
| Core capital (leverage) ratio | 9.8426% | 3,803 |
| Tier 1 risk-based capital ratio | 12.1350% | 5,549 |
| Total risk-based capital ratio | 13.4009% | 5,468 |
| Memoranda: | ||
| Average total assets | $219,424,000 | 2,834 |
| Average earning assets | $211,246,500 | 2,736 |
| Average equity | $21,720,500 | 2,970 |
| Average total loans | $166,587,000 | 2,377 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2257% | 3,245 |
| Cost of funding earning assets | 0.6924% | 1,875 |
| Net interest margin | 3.5334% | 3,747 |
| Noninterest income to average assets | 0.3937% | 4,492 |
| Noninterest expense to average assets | 1.6147% | 6,507 |
| Loan and lease loss provision to assets | 0.5539% | 472 |
| Net operating income to assets | 1.1110% | 1,898 |
| Return on assets (ROA) | 1.1129% | 1,958 |
| Pretax return on assets | 1.6295% | 1,099 |
| Return on Equity (ROE) | 11.4499% | 1,615 |
| Retained earnings to average equity (ytd only) | 7.8216% | 1,116 |
| Net charge-offs to loans | 0.1329% | 3,473 |
| Credit loss provision to net charge-offs | 566.0377% | 416 |
| Earnings coverage of net charge-offs (x) | 22.2830% | 1,456 |
| Efficiency ratio | 42.5444% | 6,647 |
| Assets per employee ($millions) | 6.7538% | 869 |
| Cash dividends to net income (ytd only)* | 31.6881% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6832% | 670 |
| Loan loss allowance to noncurrent loans | 710.9656% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 5,169 |
| Noncurrent loans to loans | 0.3774% | 5,060 |
| Net loans and leases to total assets | 72.8996% | 1,537 |
| Net loans and leases to deposits | 90.3472% | 1,200 |
| Net loans and leases to core deposits | 93.3166% | 1,648 |
| Total domestic deposits to total assets | 80.6882% | 5,274 |
| Equity capital to assets | 9.9097% | 3,886 |
| Core capital (leverage) ratio | 9.7962% | 3,842 |
| Tier 1 risk-based capital ratio | 12.1696% | 5,513 |
| Total risk-based capital ratio | 13.4351% | 5,436 |
| Memoranda: | ||
| Average total assets | $216,635,400 | 2,844 |
| Average earning assets | $208,555,600 | 2,738 |
| Average equity | $21,057,000 | 3,034 |
| Average total loans | $159,508,800 | 2,432 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 3,317 |
| Cost of funding earning assets | 0.7037% | 1,925 |
| Net interest margin | 3.5148% | 3,810 |
| Noninterest income to average assets | 0.3906% | 4,604 |
| Noninterest expense to average assets | 1.5956% | 6,560 |
| Loan and lease loss provision to assets | 0.5536% | 469 |
| Net operating income to assets | 1.1108% | 1,969 |
| Return on assets (ROA) | 1.1133% | 2,028 |
| Pretax return on assets | 1.6306% | 1,264 |
| Return on Equity (ROE) | 11.5098% | 1,651 |
| Retained earnings to average equity (ytd only) | 7.8661% | 1,474 |
| Net charge-offs to loans | 0.0151% | 4,827 |
| Credit loss provision to net charge-offs | 5,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 196.9396% | 295 |
| Efficiency ratio | 42.2544% | 6,700 |
| Assets per employee ($millions) | 6.6938% | 855 |
| Cash dividends to net income (ytd only)* | 31.6575% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6910% | 749 |
| Loan loss allowance to noncurrent loans | 405.9387% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5121% | 4,914 |
| Noncurrent loans to loans | 0.6629% | 4,543 |
| Net loans and leases to total assets | 71.5444% | 1,672 |
| Net loans and leases to deposits | 90.3303% | 1,126 |
| Net loans and leases to core deposits | 93.4673% | 1,624 |
| Total domestic deposits to total assets | 79.2031% | 5,699 |
| Equity capital to assets | 9.8245% | 4,145 |
| Core capital (leverage) ratio | 9.6636% | 4,154 |
| Tier 1 risk-based capital ratio | 12.0476% | 5,755 |
| Total risk-based capital ratio | 13.3127% | 5,675 |
| Memoranda: | ||
| Average total assets | $216,763,750 | 2,868 |
| Average earning assets | $208,787,250 | 2,753 |
| Average equity | $20,967,000 | 3,078 |
| Average total loans | $158,912,000 | 2,450 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2468% | 3,166 |
| Cost of funding earning assets | 0.7129% | 1,979 |
| Net interest margin | 3.5339% | 3,638 |
| Noninterest income to average assets | 0.3832% | 4,644 |
| Noninterest expense to average assets | 1.5918% | 6,596 |
| Loan and lease loss provision to assets | 0.5514% | 479 |
| Net operating income to assets | 1.1202% | 1,864 |
| Return on assets (ROA) | 1.1240% | 1,960 |
| Pretax return on assets | 1.6488% | 1,235 |
| Return on Equity (ROE) | 11.6803% | 1,583 |
| Retained earnings to average equity (ytd only) | 8.0320% | 1,473 |
| Net charge-offs to loans | -0.0025% | 5,553 |
| Credit loss provision to net charge-offs | -30,000.0000% | 6,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0388% | 6,753 |
| Assets per employee ($millions) | 6.9637% | 730 |
| Cash dividends to net income (ytd only)* | 31.2347% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4674% | 1,019 |
| Loan loss allowance to noncurrent loans | 352.4488% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 4,898 |
| Noncurrent loans to loans | 0.7001% | 4,538 |
| Net loans and leases to total assets | 72.4753% | 1,491 |
| Net loans and leases to deposits | 90.2377% | 1,123 |
| Net loans and leases to core deposits | 93.3642% | 1,582 |
| Total domestic deposits to total assets | 80.3159% | 5,534 |
| Equity capital to assets | 9.6820% | 4,333 |
| Core capital (leverage) ratio | 9.3589% | 4,455 |
| Tier 1 risk-based capital ratio | 11.7135% | 5,984 |
| Total risk-based capital ratio | 12.9763% | 5,932 |
| Memoranda: | ||
| Average total assets | $217,618,330 | 2,876 |
| Average earning assets | $209,568,330 | 2,750 |
| Average equity | $20,941,330 | 3,097 |
| Average total loans | $159,387,330 | 2,449 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 3,054 |
| Cost of funding earning assets | 0.7273% | 2,010 |
| Net interest margin | 3.5337% | 3,550 |
| Noninterest income to average assets | 0.3478% | 4,897 |
| Noninterest expense to average assets | 1.5781% | 6,681 |
| Loan and lease loss provision to assets | 0.5492% | 480 |
| Net operating income to assets | 1.1038% | 1,842 |
| Return on assets (ROA) | 1.1113% | 1,922 |
| Pretax return on assets | 1.6294% | 1,239 |
| Return on Equity (ROE) | 11.5831% | 1,532 |
| Retained earnings to average equity (ytd only) | 7.9384% | 1,772 |
| Net charge-offs to loans | -0.0050% | 5,267 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1310% | 6,837 |
| Assets per employee ($millions) | 7.0344% | 753 |
| Cash dividends to net income (ytd only)* | 31.4662% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2925% | 1,422 |
| Loan loss allowance to noncurrent loans | 345.0943% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 5,111 |
| Noncurrent loans to loans | 0.6643% | 4,794 |
| Net loans and leases to total assets | 71.4950% | 1,434 |
| Net loans and leases to deposits | 87.7558% | 1,171 |
| Net loans and leases to core deposits | 90.9614% | 1,611 |
| Total domestic deposits to total assets | 81.4704% | 5,373 |
| Equity capital to assets | 9.6649% | 4,617 |
| Core capital (leverage) ratio | 9.2317% | 4,512 |
| Tier 1 risk-based capital ratio | 11.6508% | 6,108 |
| Total risk-based capital ratio | 12.9120% | 6,079 |
| Memoranda: | ||
| Average total assets | $218,490,000 | 2,889 |
| Average earning assets | $210,094,000 | 2,773 |
| Average equity | $20,961,500 | 3,135 |
| Average total loans | $158,874,000 | 2,463 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 3,313 |
| Cost of funding earning assets | 0.8594% | 2,221 |
| Net interest margin | 3.6620% | 3,821 |
| Noninterest income to average assets | 0.3928% | 4,663 |
| Noninterest expense to average assets | 1.4983% | 6,871 |
| Loan and lease loss provision to assets | 1.3260% | 261 |
| Net operating income to assets | 0.8094% | 3,243 |
| Return on assets (ROA) | 0.8098% | 3,491 |
| Pretax return on assets | 1.1069% | 3,135 |
| Return on Equity (ROE) | 8.5186% | 2,857 |
| Retained earnings to average equity (ytd only) | 1.5005% | 5,117 |
| Net charge-offs to loans | 1.3755% | 676 |
| Credit loss provision to net charge-offs | 135.4749% | 2,056 |
| Earnings coverage of net charge-offs (x) | 2.4851% | 4,171 |
| Efficiency ratio | 38.1173% | 6,968 |
| Assets per employee ($millions) | 7.0617% | 746 |
| Cash dividends to net income (ytd only)* | 82.3860% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1216% | 1,706 |
| Loan loss allowance to noncurrent loans | 864.9485% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 6,056 |
| Noncurrent loans to loans | 0.2453% | 5,864 |
| Net loans and leases to total assets | 70.7254% | 1,698 |
| Net loans and leases to deposits | 87.5713% | 1,319 |
| Net loans and leases to core deposits | 90.4939% | 1,784 |
| Total domestic deposits to total assets | 80.7631% | 5,465 |
| Equity capital to assets | 9.5230% | 4,843 |
| Core capital (leverage) ratio | 8.9737% | 4,938 |
| Tier 1 risk-based capital ratio | 11.8430% | 5,881 |
| Total risk-based capital ratio | 13.1030% | 5,835 |
| Memoranda: | ||
| Average total assets | $219,450,200 | 2,846 |
| Average earning assets | $212,015,400 | 2,707 |
| Average equity | $20,860,200 | 3,100 |
| Average total loans | $156,162,600 | 2,483 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 3,363 |
| Cost of funding earning assets | 0.8817% | 2,298 |
| Net interest margin | 3.6825% | 3,868 |
| Noninterest income to average assets | 0.3540% | 4,988 |
| Noninterest expense to average assets | 1.4894% | 6,945 |
| Loan and lease loss provision to assets | 1.5817% | 197 |
| Net operating income to assets | 0.6541% | 4,121 |
| Return on assets (ROA) | 0.6546% | 4,385 |
| Pretax return on assets | 0.8464% | 4,312 |
| Return on Equity (ROE) | 6.8891% | 3,867 |
| Retained earnings to average equity (ytd only) | 3.2273% | 4,596 |
| Net charge-offs to loans | 1.8279% | 425 |
| Credit loss provision to net charge-offs | 122.0712% | 2,369 |
| Earnings coverage of net charge-offs (x) | 1.8735% | 4,322 |
| Efficiency ratio | 38.0251% | 7,042 |
| Assets per employee ($millions) | 7.2558% | 653 |
| Cash dividends to net income (ytd only)* | 53.1538% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0139% | 2,127 |
| Loan loss allowance to noncurrent loans | 893.5860% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 6,313 |
| Noncurrent loans to loans | 0.2254% | 6,046 |
| Net loans and leases to total assets | 68.5101% | 2,213 |
| Net loans and leases to deposits | 85.2058% | 1,700 |
| Net loans and leases to core deposits | 88.2357% | 2,189 |
| Total domestic deposits to total assets | 80.4055% | 5,546 |
| Equity capital to assets | 9.7454% | 4,861 |
| Core capital (leverage) ratio | 8.9586% | 5,124 |
| Tier 1 risk-based capital ratio | 12.0751% | 5,902 |
| Total risk-based capital ratio | 13.3328% | 5,875 |
| Memoranda: | ||
| Average total assets | $219,584,500 | 2,862 |
| Average earning assets | $212,459,000 | 2,728 |
| Average equity | $20,863,500 | 3,129 |
| Average total loans | $155,657,500 | 2,524 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 3,379 |
| Cost of funding earning assets | 0.9106% | 2,312 |
| Net interest margin | 3.6856% | 3,894 |
| Noninterest income to average assets | 0.3560% | 4,984 |
| Noninterest expense to average assets | 1.4912% | 7,011 |
| Loan and lease loss provision to assets | 1.4531% | 258 |
| Net operating income to assets | 0.7331% | 3,692 |
| Return on assets (ROA) | 0.7338% | 3,958 |
| Pretax return on assets | 0.9781% | 3,794 |
| Return on Equity (ROE) | 7.7891% | 3,350 |
| Retained earnings to average equity (ytd only) | 4.1066% | 3,873 |
| Net charge-offs to loans | 2.1006% | 383 |
| Credit loss provision to net charge-offs | 97.1463% | 2,854 |
| Earnings coverage of net charge-offs (x) | 1.6248% | 4,181 |
| Efficiency ratio | 38.0269% | 7,093 |
| Assets per employee ($millions) | 7.4091% | 607 |
| Cash dividends to net income (ytd only)* | 47.2772% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 3,614 |
| Loan loss allowance to noncurrent loans | 103.1592% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.1108% | 4,164 |
| Noncurrent loans to loans | 1.5488% | 3,587 |
| Net loans and leases to total assets | 70.5730% | 1,809 |
| Net loans and leases to deposits | 87.6086% | 1,406 |
| Net loans and leases to core deposits | 90.6445% | 1,914 |
| Total domestic deposits to total assets | 80.5549% | 5,597 |
| Equity capital to assets | 9.4506% | 5,131 |
| Core capital (leverage) ratio | 8.8429% | 5,141 |
| Tier 1 risk-based capital ratio | 11.5274% | 6,200 |
| Total risk-based capital ratio | 12.7807% | 6,175 |
| Memoranda: | ||
| Average total assets | $220,221,670 | 2,868 |
| Average earning assets | $213,047,000 | 2,721 |
| Average equity | $20,747,000 | 3,133 |
| Average total loans | $156,812,330 | 2,505 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 3,215 |
| Cost of funding earning assets | 0.9512% | 2,299 |
| Net interest margin | 3.7087% | 3,787 |
| Noninterest income to average assets | 0.3303% | 5,220 |
| Noninterest expense to average assets | 1.5164% | 7,046 |
| Loan and lease loss provision to assets | 1.0037% | 411 |
| Net operating income to assets | 0.9841% | 2,538 |
| Return on assets (ROA) | 0.9854% | 2,731 |
| Pretax return on assets | 1.3978% | 2,197 |
| Return on Equity (ROE) | 10.4765% | 2,240 |
| Retained earnings to average equity (ytd only) | 6.7709% | 2,539 |
| Net charge-offs to loans | -0.0026% | 5,734 |
| Credit loss provision to net charge-offs | -55,000.0000% | 6,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7232% | 7,132 |
| Assets per employee ($millions) | 7.3656% | 632 |
| Cash dividends to net income (ytd only)* | 35.3704% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9629% | 2,478 |
| Loan loss allowance to noncurrent loans | 108.0385% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 1.3174% | 3,920 |
| Noncurrent loans to loans | 1.8169% | 3,384 |
| Net loans and leases to total assets | 71.0862% | 1,556 |
| Net loans and leases to deposits | 86.9866% | 1,293 |
| Net loans and leases to core deposits | 90.7482% | 1,777 |
| Total domestic deposits to total assets | 81.7208% | 5,387 |
| Equity capital to assets | 9.4191% | 4,924 |
| Core capital (leverage) ratio | 8.8389% | 5,084 |
| Tier 1 risk-based capital ratio | 11.2692% | 6,407 |
| Total risk-based capital ratio | 12.5266% | 6,383 |
| Memoranda: | ||
| Average total assets | $219,196,500 | 2,903 |
| Average earning assets | $211,932,000 | 2,746 |
| Average equity | $20,617,500 | 3,151 |
| Average total loans | $155,513,000 | 2,548 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 3,059 |
| Cost of funding earning assets | 1.1341% | 2,442 |
| Net interest margin | 3.8298% | 3,678 |
| Noninterest income to average assets | 0.3984% | 4,631 |
| Noninterest expense to average assets | 1.5386% | 7,147 |
| Loan and lease loss provision to assets | 0.6001% | 1,721 |
| Net operating income to assets | 1.3242% | 1,190 |
| Return on assets (ROA) | 1.3369% | 1,248 |
| Pretax return on assets | 1.9824% | 548 |
| Return on Equity (ROE) | 14.8901% | 760 |
| Retained earnings to average equity (ytd only) | 10.8689% | 420 |
| Net charge-offs to loans | 0.7677% | 2,236 |
| Credit loss provision to net charge-offs | 110.3388% | 3,032 |
| Earnings coverage of net charge-offs (x) | 4.7133% | 3,008 |
| Efficiency ratio | 37.5072% | 7,240 |
| Assets per employee ($millions) | 7.2475% | 641 |
| Cash dividends to net income (ytd only)* | 27.0060% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 3,124 |
| Loan loss allowance to noncurrent loans | 1,499.4220% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 6,754 |
| Noncurrent loans to loans | 0.1147% | 6,525 |
| Net loans and leases to total assets | 68.1657% | 2,364 |
| Net loans and leases to deposits | 84.1500% | 1,905 |
| Net loans and leases to core deposits | 87.0896% | 2,493 |
| Total domestic deposits to total assets | 81.0050% | 5,444 |
| Equity capital to assets | 9.3926% | 5,032 |
| Core capital (leverage) ratio | 8.8311% | 5,058 |
| Tier 1 risk-based capital ratio | 11.6268% | 6,067 |
| Total risk-based capital ratio | 12.8808% | 6,058 |
| Memoranda: | ||
| Average total assets | $211,614,200 | 2,923 |
| Average earning assets | $204,659,400 | 2,794 |
| Average equity | $18,999,200 | 3,279 |
| Average total loans | $149,922,400 | 2,645 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0156% | 3,011 |
| Cost of funding earning assets | 1.1651% | 2,533 |
| Net interest margin | 3.8504% | 3,613 |
| Noninterest income to average assets | 0.3616% | 4,976 |
| Noninterest expense to average assets | 1.5454% | 7,199 |
| Loan and lease loss provision to assets | 0.6249% | 1,569 |
| Net operating income to assets | 1.2960% | 1,386 |
| Return on assets (ROA) | 1.3126% | 1,432 |
| Pretax return on assets | 1.9458% | 702 |
| Return on Equity (ROE) | 14.7966% | 868 |
| Retained earnings to average equity (ytd only) | 10.6987% | 683 |
| Net charge-offs to loans | -0.0223% | 6,929 |
| Credit loss provision to net charge-offs | -3,940.0000% | 6,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7733% | 7,291 |
| Assets per employee ($millions) | 7.0859% | 710 |
| Cash dividends to net income (ytd only)* | 27.6945% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4319% | 1,489 |
| Loan loss allowance to noncurrent loans | 208.0597% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 5,197 |
| Noncurrent loans to loans | 1.1689% | 4,587 |
| Net loans and leases to total assets | 65.7726% | 2,952 |
| Net loans and leases to deposits | 82.9628% | 2,181 |
| Net loans and leases to core deposits | 85.9910% | 2,769 |
| Total domestic deposits to total assets | 79.2796% | 5,927 |
| Equity capital to assets | 9.3312% | 5,332 |
| Core capital (leverage) ratio | 8.7027% | 5,405 |
| Tier 1 risk-based capital ratio | 11.8552% | 5,999 |
| Total risk-based capital ratio | 13.1171% | 5,971 |
| Memoranda: | ||
| Average total assets | $210,161,250 | 2,957 |
| Average earning assets | $203,574,000 | 2,812 |
| Average equity | $18,643,500 | 3,331 |
| Average total loans | $149,702,000 | 2,667 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 2,843 |
| Cost of funding earning assets | 1.1925% | 2,627 |
| Net interest margin | 3.8755% | 3,410 |
| Noninterest income to average assets | 0.3668% | 4,943 |
| Noninterest expense to average assets | 1.5619% | 7,275 |
| Loan and lease loss provision to assets | 0.7260% | 1,285 |
| Net operating income to assets | 1.2426% | 1,454 |
| Return on assets (ROA) | 1.2562% | 1,495 |
| Pretax return on assets | 1.8524% | 785 |
| Return on Equity (ROE) | 14.4141% | 897 |
| Retained earnings to average equity (ytd only) | 10.2269% | 799 |
| Net charge-offs to loans | 0.0553% | 5,097 |
| Credit loss provision to net charge-offs | 1,809.5238% | 187 |
| Earnings coverage of net charge-offs (x) | 63.7619% | 516 |
| Efficiency ratio | 37.9086% | 7,365 |
| Assets per employee ($millions) | 7.3610% | 610 |
| Cash dividends to net income (ytd only)* | 29.0494% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0757% | 2,170 |
| Loan loss allowance to noncurrent loans | 185.9639% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 5,275 |
| Noncurrent loans to loans | 1.1162% | 4,803 |
| Net loans and leases to total assets | 70.5657% | 2,100 |
| Net loans and leases to deposits | 88.2264% | 1,467 |
| Net loans and leases to core deposits | 91.3676% | 2,211 |
| Total domestic deposits to total assets | 79.9826% | 5,826 |
| Equity capital to assets | 8.8837% | 5,728 |
| Core capital (leverage) ratio | 8.5152% | 5,526 |
| Tier 1 risk-based capital ratio | 10.8441% | 6,629 |
| Total risk-based capital ratio | 12.1022% | 6,594 |
| Memoranda: | ||
| Average total assets | $209,355,670 | 2,983 |
| Average earning assets | $202,761,000 | 2,840 |
| Average equity | $18,246,000 | 3,380 |
| Average total loans | $151,835,000 | 2,662 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1085% | 2,608 |
| Cost of funding earning assets | 1.2248% | 2,656 |
| Net interest margin | 3.8837% | 3,224 |
| Noninterest income to average assets | 0.3493% | 5,111 |
| Noninterest expense to average assets | 1.5938% | 7,309 |
| Loan and lease loss provision to assets | 0.3763% | 2,310 |
| Net operating income to assets | 1.4260% | 1,022 |
| Return on assets (ROA) | 1.4260% | 1,055 |
| Pretax return on assets | 2.1360% | 447 |
| Return on Equity (ROE) | 16.5260% | 621 |
| Retained earnings to average equity (ytd only) | 12.2547% | 698 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8158% | 7,411 |
| Assets per employee ($millions) | 7.2154% | 659 |
| Cash dividends to net income (ytd only)* | 25.8457% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 3,231 |
| Loan loss allowance to noncurrent loans | 659.2593% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 6,671 |
| Noncurrent loans to loans | 0.2631% | 6,459 |
| Net loans and leases to total assets | 72.2999% | 1,659 |
| Net loans and leases to deposits | 89.4601% | 1,300 |
| Net loans and leases to core deposits | 93.0848% | 1,998 |
| Total domestic deposits to total assets | 80.8180% | 5,715 |
| Equity capital to assets | 8.7547% | 5,565 |
| Core capital (leverage) ratio | 8.3976% | 5,630 |
| Tier 1 risk-based capital ratio | 10.5817% | 6,759 |
| Total risk-based capital ratio | 11.8363% | 6,745 |
| Memoranda: | ||
| Average total assets | $207,299,000 | 3,020 |
| Average earning assets | $200,530,000 | 2,880 |
| Average equity | $17,887,000 | 3,415 |
| Average total loans | $150,838,000 | 2,701 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1639% | 3,781 |
| Cost of funding earning assets | 1.4833% | 2,743 |
| Net interest margin | 3.6806% | 4,442 |
| Noninterest income to average assets | 0.3919% | 4,959 |
| Noninterest expense to average assets | 1.6114% | 7,402 |
| Loan and lease loss provision to assets | 0.3792% | 3,841 |
| Net operating income to assets | 1.3453% | 1,066 |
| Return on assets (ROA) | 1.3498% | 1,130 |
| Pretax return on assets | 1.9632% | 525 |
| Return on Equity (ROE) | 15.6453% | 627 |
| Retained earnings to average equity (ytd only) | 11.1381% | 364 |
| Net charge-offs to loans | 0.2233% | 4,948 |
| Credit loss provision to net charge-offs | 245.8746% | 1,171 |
| Earnings coverage of net charge-offs (x) | 15.1452% | 1,296 |
| Efficiency ratio | 40.8253% | 7,495 |
| Assets per employee ($millions) | 7.0810% | 721 |
| Cash dividends to net income (ytd only)* | 28.8084% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 3,308 |
| Loan loss allowance to noncurrent loans | 3,750.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 7,159 |
| Noncurrent loans to loans | 0.0447% | 7,017 |
| Net loans and leases to total assets | 70.7305% | 2,368 |
| Net loans and leases to deposits | 88.1191% | 1,771 |
| Net loans and leases to core deposits | 91.2045% | 2,589 |
| Total domestic deposits to total assets | 80.2669% | 5,763 |
| Equity capital to assets | 8.5001% | 5,857 |
| Core capital (leverage) ratio | 8.4192% | 5,502 |
| Tier 1 risk-based capital ratio | 10.6396% | 6,613 |
| Total risk-based capital ratio | 11.8935% | 6,575 |
| Memoranda: | ||
| Average total assets | $196,469,800 | 3,144 |
| Average earning assets | $189,778,200 | 3,012 |
| Average equity | $16,950,800 | 3,599 |
| Average total loans | $135,721,200 | 3,020 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1726% | 3,973 |
| Cost of funding earning assets | 1.5312% | 2,765 |
| Net interest margin | 3.6414% | 4,667 |
| Noninterest income to average assets | 0.3446% | 5,414 |
| Noninterest expense to average assets | 1.6109% | 7,495 |
| Loan and lease loss provision to assets | 0.3020% | 4,157 |
| Net operating income to assets | 1.3405% | 1,253 |
| Return on assets (ROA) | 1.3467% | 1,310 |
| Pretax return on assets | 1.9583% | 682 |
| Return on Equity (ROE) | 15.5481% | 772 |
| Retained earnings to average equity (ytd only) | 11.0073% | 605 |
| Net charge-offs to loans | 0.2753% | 4,296 |
| Credit loss provision to net charge-offs | 160.5839% | 2,356 |
| Earnings coverage of net charge-offs (x) | 11.9709% | 1,738 |
| Efficiency ratio | 41.7096% | 7,535 |
| Assets per employee ($millions) | 7.1089% | 735 |
| Cash dividends to net income (ytd only)* | 29.2049% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 3,412 |
| Loan loss allowance to noncurrent loans | 10,995.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 7,346 |
| Noncurrent loans to loans | 0.0148% | 7,224 |
| Net loans and leases to total assets | 66.7462% | 3,518 |
| Net loans and leases to deposits | 82.8678% | 2,942 |
| Net loans and leases to core deposits | 85.9799% | 3,660 |
| Total domestic deposits to total assets | 80.5454% | 5,528 |
| Equity capital to assets | 8.9230% | 5,677 |
| Core capital (leverage) ratio | 8.3512% | 5,782 |
| Tier 1 risk-based capital ratio | 10.8729% | 6,491 |
| Total risk-based capital ratio | 12.1254% | 6,462 |
| Memoranda: | ||
| Average total assets | $194,249,750 | 3,215 |
| Average earning assets | $187,652,250 | 3,078 |
| Average equity | $16,824,750 | 3,672 |
| Average total loans | $132,721,500 | 3,127 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1883% | 4,010 |
| Cost of funding earning assets | 1.5854% | 2,743 |
| Net interest margin | 3.6029% | 4,798 |
| Noninterest income to average assets | 0.3488% | 5,356 |
| Noninterest expense to average assets | 1.5998% | 7,565 |
| Loan and lease loss provision to assets | 0.2492% | 4,433 |
| Net operating income to assets | 1.3593% | 1,174 |
| Return on assets (ROA) | 1.3600% | 1,244 |
| Pretax return on assets | 1.9808% | 621 |
| Return on Equity (ROE) | 15.8666% | 718 |
| Retained earnings to average equity (ytd only) | 11.2399% | 609 |
| Net charge-offs to loans | 0.2956% | 3,845 |
| Credit loss provision to net charge-offs | 123.0769% | 3,283 |
| Earnings coverage of net charge-offs (x) | 11.0103% | 1,812 |
| Efficiency ratio | 41.7842% | 7,599 |
| Assets per employee ($millions) | 6.9677% | 779 |
| Cash dividends to net income (ytd only)* | 29.1603% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5590% | 3,626 |
| Loan loss allowance to noncurrent loans | 1,018.6275% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 7,130 |
| Noncurrent loans to loans | 0.1530% | 6,956 |
| Net loans and leases to total assets | 67.2566% | 3,562 |
| Net loans and leases to deposits | 83.0711% | 3,058 |
| Net loans and leases to core deposits | 85.7777% | 3,864 |
| Total domestic deposits to total assets | 80.9627% | 5,413 |
| Equity capital to assets | 8.7331% | 5,840 |
| Core capital (leverage) ratio | 8.3272% | 5,709 |
| Tier 1 risk-based capital ratio | 10.7272% | 6,504 |
| Total risk-based capital ratio | 11.9790% | 6,488 |
| Memoranda: | ||
| Average total assets | $192,650,330 | 3,268 |
| Average earning assets | $186,071,000 | 3,115 |
| Average equity | $16,512,670 | 3,720 |
| Average total loans | $131,943,330 | 3,166 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2217% | 3,911 |
| Cost of funding earning assets | 1.6402% | 2,708 |
| Net interest margin | 3.5815% | 4,805 |
| Noninterest income to average assets | 0.3176% | 5,605 |
| Noninterest expense to average assets | 1.5818% | 7,667 |
| Loan and lease loss provision to assets | 0.2507% | 4,038 |
| Net operating income to assets | 1.3352% | 1,212 |
| Return on assets (ROA) | 1.3352% | 1,284 |
| Pretax return on assets | 1.9391% | 680 |
| Return on Equity (ROE) | 15.7292% | 759 |
| Retained earnings to average equity (ytd only) | 11.0277% | 919 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9391% | 7,683 |
| Assets per employee ($millions) | 6.8207% | 859 |
| Cash dividends to net income (ytd only)* | 29.8905% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6240% | 3,350 |
| Loan loss allowance to noncurrent loans | 1,182.9670% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 7,245 |
| Noncurrent loans to loans | 0.1373% | 7,061 |
| Net loans and leases to total assets | 68.2918% | 3,309 |
| Net loans and leases to deposits | 84.3812% | 2,872 |
| Net loans and leases to core deposits | 86.9475% | 3,759 |
| Total domestic deposits to total assets | 80.9325% | 5,482 |
| Equity capital to assets | 8.6423% | 5,812 |
| Core capital (leverage) ratio | 8.1782% | 5,943 |
| Tier 1 risk-based capital ratio | 10.5869% | 6,552 |
| Total risk-based capital ratio | 11.8395% | 6,545 |
| Memoranda: | ||
| Average total assets | $191,427,500 | 3,345 |
| Average earning assets | $184,613,500 | 3,193 |
| Average equity | $16,250,000 | 3,789 |
| Average total loans | $131,268,500 | 3,235 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3622% | 4,877 |
| Cost of funding earning assets | 2.0298% | 2,825 |
| Net interest margin | 3.3324% | 5,615 |
| Noninterest income to average assets | 0.3571% | 5,540 |
| Noninterest expense to average assets | 1.6712% | 7,720 |
| Loan and lease loss provision to assets | 0.3626% | 4,626 |
| Net operating income to assets | 1.0561% | 1,642 |
| Return on assets (ROA) | 1.0791% | 1,620 |
| Pretax return on assets | 1.5649% | 1,039 |
| Return on Equity (ROE) | 13.4006% | 886 |
| Retained earnings to average equity (ytd only) | 12.7235% | 167 |
| Net charge-offs to loans | 0.2284% | 5,187 |
| Credit loss provision to net charge-offs | 226.1905% | 1,652 |
| Earnings coverage of net charge-offs (x) | 11.8163% | 1,564 |
| Efficiency ratio | 46.8726% | 7,671 |
| Assets per employee ($millions) | 7.1065% | 760 |
| Cash dividends to net income (ytd only)* | 5.0531% | 3,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 3,422 |
| Loan loss allowance to noncurrent loans | 1,075.6614% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 7,252 |
| Noncurrent loans to loans | 0.1454% | 7,067 |
| Net loans and leases to total assets | 66.6722% | 3,997 |
| Net loans and leases to deposits | 82.7092% | 3,503 |
| Net loans and leases to core deposits | 100.1613% | 3,978 |
| Total domestic deposits to total assets | 80.6104% | 5,469 |
| Equity capital to assets | 8.3361% | 6,147 |
| Core capital (leverage) ratio | 8.0569% | 6,068 |
| Tier 1 risk-based capital ratio | 10.4655% | 6,435 |
| Total risk-based capital ratio | 11.7176% | 6,401 |
| Memoranda: | ||
| Average total assets | $183,396,400 | 3,378 |
| Average earning assets | $176,568,600 | 3,262 |
| Average equity | $14,768,000 | 4,103 |
| Average total loans | $128,713,000 | 3,292 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3781% | 5,057 |
| Cost of funding earning assets | 2.1011% | 2,888 |
| Net interest margin | 3.2770% | 5,722 |
| Noninterest income to average assets | 0.3641% | 5,591 |
| Noninterest expense to average assets | 1.6718% | 7,783 |
| Loan and lease loss provision to assets | 0.3788% | 4,059 |
| Net operating income to assets | 1.0096% | 2,019 |
| Return on assets (ROA) | 1.0400% | 1,996 |
| Pretax return on assets | 1.5122% | 1,378 |
| Return on Equity (ROE) | 13.0368% | 1,109 |
| Retained earnings to average equity (ytd only) | 12.1149% | 336 |
| Net charge-offs to loans | 0.2077% | 4,740 |
| Credit loss provision to net charge-offs | 257.5000% | 1,661 |
| Earnings coverage of net charge-offs (x) | 12.5550% | 1,748 |
| Efficiency ratio | 47.5125% | 7,684 |
| Assets per employee ($millions) | 6.9401% | 808 |
| Cash dividends to net income (ytd only)* | 7.0721% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 3,077 |
| Loan loss allowance to noncurrent loans | 509.5361% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 7,004 |
| Noncurrent loans to loans | 0.3100% | 6,746 |
| Net loans and leases to total assets | 65.7495% | 4,479 |
| Net loans and leases to deposits | 82.0518% | 4,014 |
| Net loans and leases to core deposits | 100.9852% | 4,268 |
| Total domestic deposits to total assets | 80.1317% | 5,387 |
| Equity capital to assets | 8.3662% | 6,422 |
| Core capital (leverage) ratio | 7.8764% | 6,536 |
| Tier 1 risk-based capital ratio | 10.3196% | 6,658 |
| Total risk-based capital ratio | 11.5713% | 6,601 |
| Memoranda: | ||
| Average total assets | $181,276,500 | 3,451 |
| Average earning assets | $174,505,250 | 3,315 |
| Average equity | $14,461,250 | 4,198 |
| Average total loans | $128,401,000 | 3,331 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4155% | 5,060 |
| Cost of funding earning assets | 2.1657% | 2,957 |
| Net interest margin | 3.2498% | 5,737 |
| Noninterest income to average assets | 0.3660% | 5,582 |
| Noninterest expense to average assets | 1.6949% | 7,839 |
| Loan and lease loss provision to assets | 0.2678% | 4,443 |
| Net operating income to assets | 1.0368% | 1,984 |
| Return on assets (ROA) | 1.0823% | 1,906 |
| Pretax return on assets | 1.5945% | 1,216 |
| Return on Equity (ROE) | 13.8019% | 1,027 |
| Retained earnings to average equity (ytd only) | 13.0905% | 319 |
| Net charge-offs to loans | 0.3105% | 3,637 |
| Credit loss provision to net charge-offs | 119.4030% | 3,893 |
| Earnings coverage of net charge-offs (x) | 8.0050% | 2,335 |
| Efficiency ratio | 48.5614% | 7,734 |
| Assets per employee ($millions) | 6.6862% | 894 |
| Cash dividends to net income (ytd only)* | 5.1546% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 4,173 |
| Loan loss allowance to noncurrent loans | 1,718.1818% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 7,460 |
| Noncurrent loans to loans | 0.0767% | 7,332 |
| Net loans and leases to total assets | 70.5425% | 3,566 |
| Net loans and leases to deposits | 86.0745% | 3,541 |
| Net loans and leases to core deposits | 106.1312% | 3,827 |
| Total domestic deposits to total assets | 81.9552% | 4,709 |
| Equity capital to assets | 8.0054% | 6,745 |
| Core capital (leverage) ratio | 7.7103% | 6,741 |
| Tier 1 risk-based capital ratio | 9.9775% | 6,952 |
| Total risk-based capital ratio | 11.1763% | 6,935 |
| Memoranda: | ||
| Average total assets | $179,240,670 | 3,492 |
| Average earning assets | $172,320,000 | 3,363 |
| Average equity | $14,056,000 | 4,295 |
| Average total loans | $129,474,330 | 3,349 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3800% | 5,528 |
| Cost of funding earning assets | 2.2061% | 3,135 |
| Net interest margin | 3.1739% | 5,943 |
| Noninterest income to average assets | 0.3270% | 5,834 |
| Noninterest expense to average assets | 1.5700% | 7,929 |
| Loan and lease loss provision to assets | 0.2688% | 3,809 |
| Net operating income to assets | 1.0370% | 2,174 |
| Return on assets (ROA) | 1.0370% | 2,305 |
| Pretax return on assets | 1.5364% | 1,571 |
| Return on Equity (ROE) | 13.3641% | 1,299 |
| Retained earnings to average equity (ytd only) | 11.9209% | 800 |
| Net charge-offs to loans | 0.0278% | 5,139 |
| Credit loss provision to net charge-offs | 1,333.3333% | 474 |
| Earnings coverage of net charge-offs (x) | 89.5556% | 479 |
| Efficiency ratio | 46.5163% | 7,820 |
| Assets per employee ($millions) | 6.9237% | 807 |
| Cash dividends to net income (ytd only)* | 10.7991% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 3,730 |
| Loan loss allowance to noncurrent loans | 103.1414% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.9549% | 4,807 |
| Noncurrent loans to loans | 1.3189% | 4,340 |
| Net loans and leases to total assets | 71.4192% | 3,369 |
| Net loans and leases to deposits | 86.3671% | 3,571 |
| Net loans and leases to core deposits | 108.1095% | 3,662 |
| Total domestic deposits to total assets | 82.6926% | 4,291 |
| Equity capital to assets | 7.8565% | 6,998 |
| Core capital (leverage) ratio | 7.7630% | 6,799 |
| Tier 1 risk-based capital ratio | 9.7123% | 7,244 |
| Total risk-based capital ratio | 10.9623% | 7,152 |
| Memoranda: | ||
| Average total assets | $178,597,000 | 3,532 |
| Average earning assets | $171,524,000 | 3,397 |
| Average equity | $13,858,000 | 4,369 |
| Average total loans | $129,686,500 | 3,370 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0407% | 5,353 |
| Cost of funding earning assets | 2.8809% | 2,349 |
| Net interest margin | 3.1597% | 6,493 |
| Noninterest income to average assets | 0.3202% | 6,168 |
| Noninterest expense to average assets | 1.6277% | 7,937 |
| Loan and lease loss provision to assets | 0.1780% | 5,113 |
| Net operating income to assets | 1.0230% | 2,460 |
| Return on assets (ROA) | 1.0317% | 2,315 |
| Pretax return on assets | 1.5467% | 1,547 |
| Return on Equity (ROE) | 13.2698% | 1,265 |
| Retained earnings to average equity (ytd only) | 11.6797% | 253 |
| Net charge-offs to loans | 0.0734% | 5,708 |
| Credit loss provision to net charge-offs | 320.0000% | 1,412 |
| Earnings coverage of net charge-offs (x) | 30.7667% | 1,151 |
| Efficiency ratio | 48.7412% | 7,752 |
| Assets per employee ($millions) | 6.8145% | 767 |
| Cash dividends to net income (ytd only)* | 11.9832% | 4,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 3,873 |
| Loan loss allowance to noncurrent loans | 96.1249% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.9759% | 4,393 |
| Noncurrent loans to loans | 1.3400% | 3,837 |
| Net loans and leases to total assets | 71.8893% | 3,614 |
| Net loans and leases to deposits | 86.7326% | 4,001 |
| Net loans and leases to core deposits | 107.6914% | 4,000 |
| Total domestic deposits to total assets | 82.8861% | 3,819 |
| Equity capital to assets | 7.6607% | 7,246 |
| Core capital (leverage) ratio | 7.7246% | 6,892 |
| Tier 1 risk-based capital ratio | 9.5698% | 7,231 |
| Total risk-based capital ratio | 10.7713% | 7,205 |
| Memoranda: | ||
| Average total assets | $161,765,800 | 3,691 |
| Average earning assets | $154,569,200 | 3,576 |
| Average equity | $12,577,400 | 4,680 |
| Average total loans | $122,569,800 | 3,412 |