Home > State Bank of Toulon > Performance and Condition Ratios
State Bank of Toulon, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 2,970 |
| Cost of funding earning assets | 1.6764% | 1,503 |
| Net interest margin | 2.8930% | 3,504 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.1450% | 3,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7274% | 3,113 |
| Return on assets (ROA) | 0.6372% | 3,322 |
| Pretax return on assets | 0.6688% | 3,500 |
| Return on Equity (ROE) | 8.1300% | 2,985 |
| Retained earnings to average equity (ytd only) | 4.6353% | 2,739 |
| Net charge-offs to loans | -0.0399% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.7436% | 1,486 |
| Assets per employee ($millions) | 6.6907% | 2,275 |
| Cash dividends to net income (ytd only)* | 42.9897% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 3,553 |
| Loan loss allowance to noncurrent loans | 246.2810% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 1,872 |
| Noncurrent loans to loans | 0.3836% | 1,837 |
| Net loans and leases to total assets | 60.9100% | 2,759 |
| Net loans and leases to deposits | 70.4597% | 2,855 |
| Net loans and leases to core deposits | 77.3399% | 2,893 |
| Total domestic deposits to total assets | 86.4400% | 1,879 |
| Equity capital to assets | 8.3188% | 3,181 |
| Core capital (leverage) ratio | 9.8850% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0714% | 2,219 |
| Memoranda: | ||
| Average total assets | $304,435,000 | 2,408 |
| Average earning assets | $275,289,800 | 2,434 |
| Average equity | $23,860,600 | 2,581 |
| Average total loans | $183,039,800 | 2,421 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 2,958 |
| Cost of funding earning assets | 1.5419% | 1,501 |
| Net interest margin | 2.9327% | 3,474 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.0680% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8507% | 2,856 |
| Return on assets (ROA) | 0.8507% | 2,839 |
| Pretax return on assets | 0.8889% | 3,128 |
| Return on Equity (ROE) | 11.0200% | 2,371 |
| Retained earnings to average equity (ytd only) | 8.6743% | 1,774 |
| Net charge-offs to loans | -0.0485% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.9391% | 1,792 |
| Assets per employee ($millions) | 6.7532% | 2,136 |
| Cash dividends to net income (ytd only)* | 21.3216% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 3,557 |
| Loan loss allowance to noncurrent loans | 335.7278% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 2,419 |
| Noncurrent loans to loans | 0.2832% | 2,221 |
| Net loans and leases to total assets | 60.8900% | 2,763 |
| Net loans and leases to deposits | 69.1479% | 2,901 |
| Net loans and leases to core deposits | 76.3155% | 2,849 |
| Total domestic deposits to total assets | 88.0500% | 1,555 |
| Equity capital to assets | 7.3809% | 3,428 |
| Core capital (leverage) ratio | 9.9826% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4416% | 2,100 |
| Memoranda: | ||
| Average total assets | $303,600,500 | 2,417 |
| Average earning assets | $275,233,250 | 2,443 |
| Average equity | $23,425,000 | 2,598 |
| Average total loans | $181,488,250 | 2,431 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 2,960 |
| Cost of funding earning assets | 1.3742% | 1,519 |
| Net interest margin | 2.9962% | 3,442 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.0567% | 3,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9292% | 2,654 |
| Return on assets (ROA) | 0.9292% | 2,641 |
| Pretax return on assets | 0.9568% | 3,027 |
| Return on Equity (ROE) | 11.8700% | 2,191 |
| Retained earnings to average equity (ytd only) | 9.6899% | 1,490 |
| Net charge-offs to loans | -0.0490% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.2484% | 1,956 |
| Assets per employee ($millions) | 6.5151% | 2,270 |
| Cash dividends to net income (ytd only)* | 18.3688% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 3,594 |
| Loan loss allowance to noncurrent loans | 562.5806% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 2,825 |
| Noncurrent loans to loans | 0.1697% | 2,626 |
| Net loans and leases to total assets | 59.0800% | 2,862 |
| Net loans and leases to deposits | 67.1051% | 2,983 |
| Net loans and leases to core deposits | 73.8807% | 2,894 |
| Total domestic deposits to total assets | 88.0400% | 1,583 |
| Equity capital to assets | 7.8626% | 3,304 |
| Core capital (leverage) ratio | 9.9199% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4865% | 2,101 |
| Memoranda: | ||
| Average total assets | $303,502,667 | 2,425 |
| Average earning assets | $274,477,000 | 2,456 |
| Average equity | $23,756,667 | 2,580 |
| Average total loans | $179,715,667 | 2,443 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 2,961 |
| Cost of funding earning assets | 1.1895% | 1,481 |
| Net interest margin | 3.0471% | 3,471 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.1354% | 3,287 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8804% | 2,920 |
| Return on assets (ROA) | 0.8804% | 2,877 |
| Pretax return on assets | 0.8631% | 3,323 |
| Return on Equity (ROE) | 11.2700% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.4927% | 1,815 |
| Net charge-offs to loans | -0.0471% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.2141% | 1,611 |
| Assets per employee ($millions) | 6.4701% | 2,358 |
| Cash dividends to net income (ytd only)* | 15.7895% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 3,638 |
| Loan loss allowance to noncurrent loans | 264.3625% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 2,064 |
| Noncurrent loans to loans | 0.3667% | 1,833 |
| Net loans and leases to total assets | 57.8200% | 2,886 |
| Net loans and leases to deposits | 65.9785% | 2,937 |
| Net loans and leases to core deposits | 71.8921% | 2,822 |
| Total domestic deposits to total assets | 87.6400% | 2,046 |
| Equity capital to assets | 7.9015% | 3,313 |
| Core capital (leverage) ratio | 9.7617% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4359% | 2,205 |
| Memoranda: | ||
| Average total assets | $302,149,500 | 2,462 |
| Average earning assets | $273,046,500 | 2,490 |
| Average equity | $23,597,000 | 2,618 |
| Average total loans | $178,247,500 | 2,473 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6519% | 2,653 |
| Cost of funding earning assets | 0.5222% | 1,254 |
| Net interest margin | 3.1297% | 3,084 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.0855% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9680% | 2,687 |
| Return on assets (ROA) | 0.9680% | 2,632 |
| Pretax return on assets | 1.0331% | 2,964 |
| Return on Equity (ROE) | 11.4300% | 2,326 |
| Retained earnings to average equity (ytd only) | 7.8431% | 1,905 |
| Net charge-offs to loans | -0.0216% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.8722% | 2,100 |
| Assets per employee ($millions) | 6.9815% | 1,988 |
| Cash dividends to net income (ytd only)* | 31.3589% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 3,426 |
| Loan loss allowance to noncurrent loans | 379.1045% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 2,436 |
| Noncurrent loans to loans | 0.2621% | 2,222 |
| Net loans and leases to total assets | 59.0100% | 2,731 |
| Net loans and leases to deposits | 68.0134% | 2,726 |
| Net loans and leases to core deposits | 72.5531% | 2,679 |
| Total domestic deposits to total assets | 86.7700% | 2,467 |
| Equity capital to assets | 7.7167% | 3,241 |
| Core capital (leverage) ratio | 9.8427% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3929% | 2,201 |
| Memoranda: | ||
| Average total assets | $296,478,200 | 2,464 |
| Average earning assets | $271,365,200 | 2,484 |
| Average equity | $25,117,600 | 2,576 |
| Average total loans | $175,940,200 | 2,407 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5356% | 2,506 |
| Cost of funding earning assets | 0.3971% | 1,311 |
| Net interest margin | 3.1385% | 2,806 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.0012% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0520% | 2,279 |
| Return on assets (ROA) | 1.0520% | 2,244 |
| Pretax return on assets | 1.1269% | 2,638 |
| Return on Equity (ROE) | 12.1400% | 1,990 |
| Retained earnings to average equity (ytd only) | 9.7737% | 1,410 |
| Net charge-offs to loans | -0.0525% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.9746% | 2,556 |
| Assets per employee ($millions) | 6.1396% | 2,635 |
| Cash dividends to net income (ytd only)* | 19.5111% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 3,244 |
| Loan loss allowance to noncurrent loans | 222.7833% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 1,827 |
| Noncurrent loans to loans | 0.4720% | 1,622 |
| Net loans and leases to total assets | 58.9900% | 2,602 |
| Net loans and leases to deposits | 67.6822% | 2,560 |
| Net loans and leases to core deposits | 70.5054% | 2,606 |
| Total domestic deposits to total assets | 87.1500% | 2,711 |
| Equity capital to assets | 7.3787% | 3,282 |
| Core capital (leverage) ratio | 9.9014% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7846% | 2,138 |
| Memoranda: | ||
| Average total assets | $295,546,250 | 2,491 |
| Average earning assets | $270,989,500 | 2,510 |
| Average equity | $25,605,500 | 2,588 |
| Average total loans | $175,189,250 | 2,419 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4322% | 2,345 |
| Cost of funding earning assets | 0.3160% | 1,565 |
| Net interest margin | 3.1162% | 2,484 |
| Noninterest income to average assets | 0.2350% | 3,772 |
| Noninterest expense to average assets | 1.9646% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0575% | 1,945 |
| Return on assets (ROA) | 1.0575% | 1,913 |
| Pretax return on assets | 1.1307% | 2,300 |
| Return on Equity (ROE) | 11.6480% | 1,776 |
| Retained earnings to average equity (ytd only) | 9.5033% | 1,137 |
| Net charge-offs to loans | -0.0522% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4707% | 2,844 |
| Assets per employee ($millions) | 6.3376% | 2,449 |
| Cash dividends to net income (ytd only)* | 18.4127% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,437 |
| Loan loss allowance to noncurrent loans | 392.5275% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 2,646 |
| Noncurrent loans to loans | 0.2642% | 2,421 |
| Net loans and leases to total assets | 57.2245% | 2,613 |
| Net loans and leases to deposits | 64.8325% | 2,655 |
| Net loans and leases to core deposits | 67.9922% | 2,655 |
| Total domestic deposits to total assets | 88.2652% | 2,472 |
| Equity capital to assets | 7.5312% | 3,451 |
| Core capital (leverage) ratio | 9.5582% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4385% | 2,316 |
| Memoranda: | ||
| Average total assets | $297,875,000 | 2,492 |
| Average earning assets | $273,406,667 | 2,522 |
| Average equity | $27,043,333 | 2,577 |
| Average total loans | $176,246,000 | 2,406 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3959% | 2,098 |
| Cost of funding earning assets | 0.3058% | 1,606 |
| Net interest margin | 3.0901% | 2,206 |
| Noninterest income to average assets | 0.2484% | 3,659 |
| Noninterest expense to average assets | 1.9766% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1038% | 1,518 |
| Return on assets (ROA) | 1.1038% | 1,505 |
| Pretax return on assets | 1.1078% | 2,117 |
| Return on Equity (ROE) | 11.2033% | 1,544 |
| Retained earnings to average equity (ytd only) | 9.2952% | 1,186 |
| Net charge-offs to loans | -0.0516% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0836% | 3,015 |
| Assets per employee ($millions) | 6.7913% | 2,152 |
| Cash dividends to net income (ytd only)* | 17.0316% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,702 |
| Loan loss allowance to noncurrent loans | 388.1057% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 2,732 |
| Noncurrent loans to loans | 0.2591% | 2,548 |
| Net loans and leases to total assets | 58.0465% | 2,292 |
| Net loans and leases to deposits | 66.8625% | 2,256 |
| Net loans and leases to core deposits | 70.7410% | 2,233 |
| Total domestic deposits to total assets | 86.8148% | 2,994 |
| Equity capital to assets | 9.1253% | 2,606 |
| Core capital (leverage) ratio | 9.4462% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2409% | 2,509 |
| Memoranda: | ||
| Average total assets | $297,879,000 | 2,503 |
| Average earning assets | $273,391,000 | 2,531 |
| Average equity | $29,348,500 | 2,522 |
| Average total loans | $178,249,500 | 2,394 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3883% | 2,960 |
| Cost of funding earning assets | 0.3913% | 1,606 |
| Net interest margin | 2.9970% | 3,198 |
| Noninterest income to average assets | 0.5521% | 2,352 |
| Noninterest expense to average assets | 1.9906% | 3,701 |
| Loan and lease loss provision to assets | 0.0349% | 2,355 |
| Net operating income to assets | 1.1797% | 1,997 |
| Return on assets (ROA) | 1.1974% | 1,988 |
| Pretax return on assets | 1.2778% | 2,429 |
| Return on Equity (ROE) | 11.0291% | 2,156 |
| Retained earnings to average equity (ytd only) | 7.7239% | 1,653 |
| Net charge-offs to loans | -0.0178% | 3,939 |
| Credit loss provision to net charge-offs | -333.3333% | 3,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6064% | 3,060 |
| Assets per employee ($millions) | 6.9056% | 1,986 |
| Cash dividends to net income (ytd only)* | 29.9679% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 3,905 |
| Loan loss allowance to noncurrent loans | 373.3906% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 2,844 |
| Noncurrent loans to loans | 0.2571% | 2,690 |
| Net loans and leases to total assets | 60.4646% | 2,116 |
| Net loans and leases to deposits | 70.7801% | 2,040 |
| Net loans and leases to core deposits | 75.3926% | 1,966 |
| Total domestic deposits to total assets | 85.4260% | 3,119 |
| Equity capital to assets | 10.5843% | 2,101 |
| Core capital (leverage) ratio | 9.4036% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8999% | 2,663 |
| Memoranda: | ||
| Average total assets | $286,191,800 | 2,500 |
| Average earning assets | $260,927,400 | 2,545 |
| Average equity | $31,072,400 | 2,467 |
| Average total loans | $168,400,600 | 2,480 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4002% | 3,101 |
| Cost of funding earning assets | 0.4079% | 1,641 |
| Net interest margin | 2.9923% | 3,327 |
| Noninterest income to average assets | 0.5996% | 2,216 |
| Noninterest expense to average assets | 1.9282% | 3,871 |
| Loan and lease loss provision to assets | 0.0469% | 2,062 |
| Net operating income to assets | 1.3339% | 1,726 |
| Return on assets (ROA) | 1.3488% | 1,751 |
| Pretax return on assets | 1.3615% | 2,460 |
| Return on Equity (ROE) | 12.3418% | 1,920 |
| Retained earnings to average equity (ytd only) | 8.6109% | 1,832 |
| Net charge-offs to loans | -0.0089% | 3,625 |
| Credit loss provision to net charge-offs | -909.0909% | 3,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0490% | 3,255 |
| Assets per employee ($millions) | 6.9648% | 1,896 |
| Cash dividends to net income (ytd only)* | 30.2301% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,772 |
| Loan loss allowance to noncurrent loans | 367.7350% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 3,077 |
| Noncurrent loans to loans | 0.2776% | 2,806 |
| Net loans and leases to total assets | 55.7106% | 2,759 |
| Net loans and leases to deposits | 65.5145% | 2,678 |
| Net loans and leases to core deposits | 70.1144% | 2,584 |
| Total domestic deposits to total assets | 85.0356% | 3,103 |
| Equity capital to assets | 10.6793% | 2,277 |
| Core capital (leverage) ratio | 9.4037% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1728% | 2,654 |
| Memoranda: | ||
| Average total assets | $283,505,000 | 2,538 |
| Average earning assets | $257,900,250 | 2,583 |
| Average equity | $30,983,250 | 2,499 |
| Average total loans | $165,180,000 | 2,544 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3846% | 3,219 |
| Cost of funding earning assets | 0.4240% | 1,710 |
| Net interest margin | 2.9606% | 3,420 |
| Noninterest income to average assets | 0.8268% | 1,463 |
| Noninterest expense to average assets | 1.8945% | 3,978 |
| Loan and lease loss provision to assets | 0.0719% | 1,625 |
| Net operating income to assets | 1.5388% | 1,194 |
| Return on assets (ROA) | 1.5616% | 1,203 |
| Pretax return on assets | 1.5745% | 1,810 |
| Return on Equity (ROE) | 14.1729% | 1,362 |
| Retained earnings to average equity (ytd only) | 10.4339% | 1,279 |
| Net charge-offs to loans | -0.0146% | 3,845 |
| Credit loss provision to net charge-offs | -833.3333% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8524% | 3,823 |
| Assets per employee ($millions) | 6.9908% | 1,818 |
| Cash dividends to net income (ytd only)* | 26.3812% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 3,801 |
| Loan loss allowance to noncurrent loans | 187.9913% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 2,155 |
| Noncurrent loans to loans | 0.5353% | 2,065 |
| Net loans and leases to total assets | 57.6951% | 2,707 |
| Net loans and leases to deposits | 68.1834% | 2,597 |
| Net loans and leases to core deposits | 72.6220% | 2,553 |
| Total domestic deposits to total assets | 84.6176% | 3,254 |
| Equity capital to assets | 10.6422% | 2,276 |
| Core capital (leverage) ratio | 9.5342% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0053% | 2,720 |
| Memoranda: | ||
| Average total assets | $278,178,333 | 2,561 |
| Average earning assets | $252,854,000 | 2,615 |
| Average equity | $30,650,000 | 2,504 |
| Average total loans | $164,051,333 | 2,568 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4689% | 3,015 |
| Cost of funding earning assets | 0.4518% | 1,708 |
| Net interest margin | 3.0170% | 3,213 |
| Noninterest income to average assets | 0.8696% | 1,411 |
| Noninterest expense to average assets | 2.0188% | 3,660 |
| Loan and lease loss provision to assets | 0.1479% | 884 |
| Net operating income to assets | 1.4154% | 1,532 |
| Return on assets (ROA) | 1.4154% | 1,604 |
| Pretax return on assets | 1.4287% | 2,196 |
| Return on Equity (ROE) | 12.6122% | 1,784 |
| Retained earnings to average equity (ytd only) | 8.3027% | 2,153 |
| Net charge-offs to loans | -0.0050% | 3,392 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1497% | 3,529 |
| Assets per employee ($millions) | 6.4070% | 2,249 |
| Cash dividends to net income (ytd only)* | 34.1693% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 3,625 |
| Loan loss allowance to noncurrent loans | 176.6770% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 2,183 |
| Noncurrent loans to loans | 0.5978% | 2,075 |
| Net loans and leases to total assets | 58.2155% | 2,780 |
| Net loans and leases to deposits | 68.8510% | 2,616 |
| Net loans and leases to core deposits | 73.6580% | 2,546 |
| Total domestic deposits to total assets | 84.5528% | 3,261 |
| Equity capital to assets | 10.9605% | 1,889 |
| Core capital (leverage) ratio | 9.7479% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8091% | 2,735 |
| Memoranda: | ||
| Average total assets | $270,460,500 | 2,595 |
| Average earning assets | $244,345,000 | 2,652 |
| Average equity | $30,351,500 | 2,515 |
| Average total loans | $160,515,500 | 2,596 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9255% | 2,950 |
| Cost of funding earning assets | 0.6678% | 1,889 |
| Net interest margin | 3.2577% | 3,184 |
| Noninterest income to average assets | 0.3090% | 3,634 |
| Noninterest expense to average assets | 2.1543% | 3,807 |
| Loan and lease loss provision to assets | 0.1147% | 2,916 |
| Net operating income to assets | 0.9624% | 2,432 |
| Return on assets (ROA) | 0.9934% | 2,457 |
| Pretax return on assets | 1.0079% | 3,019 |
| Return on Equity (ROE) | 8.6212% | 2,545 |
| Retained earnings to average equity (ytd only) | 5.8103% | 1,892 |
| Net charge-offs to loans | 0.1355% | 1,193 |
| Credit loss provision to net charge-offs | 137.6812% | 2,501 |
| Earnings coverage of net charge-offs (x) | 13.1014% | 2,299 |
| Efficiency ratio | 66.3774% | 2,470 |
| Assets per employee ($millions) | 6.1726% | 2,191 |
| Cash dividends to net income (ytd only)* | 32.6043% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,820 |
| Loan loss allowance to noncurrent loans | 162.6263% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 2,289 |
| Noncurrent loans to loans | 0.6229% | 2,137 |
| Net loans and leases to total assets | 59.2739% | 2,952 |
| Net loans and leases to deposits | 70.7213% | 2,803 |
| Net loans and leases to core deposits | 75.7581% | 2,750 |
| Total domestic deposits to total assets | 83.8133% | 3,163 |
| Equity capital to assets | 11.4938% | 1,890 |
| Core capital (leverage) ratio | 9.7477% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1132% | 2,585 |
| Memoranda: | ||
| Average total assets | $248,528,800 | 2,589 |
| Average earning assets | $224,022,600 | 2,640 |
| Average equity | $28,638,800 | 2,559 |
| Average total loans | $152,726,400 | 2,640 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 2,929 |
| Cost of funding earning assets | 0.7149% | 1,933 |
| Net interest margin | 3.3003% | 3,191 |
| Noninterest income to average assets | 0.3275% | 3,526 |
| Noninterest expense to average assets | 2.0995% | 3,946 |
| Loan and lease loss provision to assets | 0.1228% | 2,797 |
| Net operating income to assets | 1.0659% | 2,088 |
| Return on assets (ROA) | 1.0686% | 2,213 |
| Pretax return on assets | 1.0833% | 2,799 |
| Return on Equity (ROE) | 9.2667% | 2,298 |
| Retained earnings to average equity (ytd only) | 6.5454% | 1,870 |
| Net charge-offs to loans | 0.1279% | 1,115 |
| Credit loss provision to net charge-offs | 155.1724% | 2,299 |
| Earnings coverage of net charge-offs (x) | 15.2069% | 2,111 |
| Efficiency ratio | 63.5658% | 2,805 |
| Assets per employee ($millions) | 6.2535% | 2,043 |
| Cash dividends to net income (ytd only)* | 29.3667% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 3,521 |
| Loan loss allowance to noncurrent loans | 135.6902% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 2,136 |
| Noncurrent loans to loans | 0.7659% | 1,899 |
| Net loans and leases to total assets | 58.4450% | 3,376 |
| Net loans and leases to deposits | 71.0481% | 3,210 |
| Net loans and leases to core deposits | 74.6432% | 3,272 |
| Total domestic deposits to total assets | 82.2612% | 3,356 |
| Equity capital to assets | 11.4607% | 2,036 |
| Core capital (leverage) ratio | 9.8076% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3430% | 2,478 |
| Memoranda: | ||
| Average total assets | $244,305,500 | 2,600 |
| Average earning assets | $220,260,250 | 2,651 |
| Average equity | $28,171,750 | 2,585 |
| Average total loans | $151,174,000 | 2,656 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 2,863 |
| Cost of funding earning assets | 0.7752% | 1,961 |
| Net interest margin | 3.3903% | 3,134 |
| Noninterest income to average assets | 0.4005% | 3,073 |
| Noninterest expense to average assets | 2.1949% | 3,804 |
| Loan and lease loss provision to assets | 0.1259% | 2,770 |
| Net operating income to assets | 1.1126% | 1,924 |
| Return on assets (ROA) | 1.1167% | 2,031 |
| Pretax return on assets | 1.1319% | 2,607 |
| Return on Equity (ROE) | 9.6627% | 2,093 |
| Retained earnings to average equity (ytd only) | 7.3741% | 1,515 |
| Net charge-offs to loans | 0.0948% | 1,314 |
| Credit loss provision to net charge-offs | 211.2676% | 1,867 |
| Earnings coverage of net charge-offs (x) | 21.0282% | 1,669 |
| Efficiency ratio | 63.6474% | 2,866 |
| Assets per employee ($millions) | 6.0493% | 2,140 |
| Cash dividends to net income (ytd only)* | 23.6842% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,234 |
| Loan loss allowance to noncurrent loans | 100.6246% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 1,794 |
| Noncurrent loans to loans | 1.0627% | 1,464 |
| Net loans and leases to total assets | 57.2972% | 3,580 |
| Net loans and leases to deposits | 69.4348% | 3,467 |
| Net loans and leases to core deposits | 73.4768% | 3,490 |
| Total domestic deposits to total assets | 82.5195% | 3,226 |
| Equity capital to assets | 11.2944% | 2,126 |
| Core capital (leverage) ratio | 10.4385% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4120% | 2,436 |
| Memoranda: | ||
| Average total assets | $238,192,333 | 2,617 |
| Average earning assets | $214,143,000 | 2,677 |
| Average equity | $27,528,667 | 2,613 |
| Average total loans | $149,860,333 | 2,655 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 2,719 |
| Cost of funding earning assets | 0.8844% | 1,950 |
| Net interest margin | 3.4851% | 3,031 |
| Noninterest income to average assets | 0.2869% | 3,807 |
| Noninterest expense to average assets | 2.3219% | 3,722 |
| Loan and lease loss provision to assets | 0.1320% | 2,077 |
| Net operating income to assets | 0.9735% | 2,269 |
| Return on assets (ROA) | 0.9752% | 2,367 |
| Pretax return on assets | 0.9911% | 2,870 |
| Return on Equity (ROE) | 8.3297% | 2,372 |
| Retained earnings to average equity (ytd only) | 5.5181% | 2,060 |
| Net charge-offs to loans | 0.2034% | 678 |
| Credit loss provision to net charge-offs | 98.6842% | 1,861 |
| Earnings coverage of net charge-offs (x) | 8.3816% | 1,866 |
| Efficiency ratio | 67.4335% | 2,752 |
| Assets per employee ($millions) | 5.4451% | 2,179 |
| Cash dividends to net income (ytd only)* | 33.7545% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,583 |
| Loan loss allowance to noncurrent loans | 134.0630% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 2,270 |
| Noncurrent loans to loans | 0.7633% | 2,089 |
| Net loans and leases to total assets | 64.7512% | 2,974 |
| Net loans and leases to deposits | 78.2368% | 2,856 |
| Net loans and leases to core deposits | 82.2335% | 3,006 |
| Total domestic deposits to total assets | 82.7630% | 3,190 |
| Equity capital to assets | 11.4476% | 2,489 |
| Core capital (leverage) ratio | 10.6206% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6740% | 2,408 |
| Memoranda: | ||
| Average total assets | $227,229,000 | 2,651 |
| Average earning assets | $205,788,000 | 2,696 |
| Average equity | $26,603,500 | 2,663 |
| Average total loans | $149,464,500 | 2,646 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4407% | 3,134 |
| Cost of funding earning assets | 0.9246% | 2,087 |
| Net interest margin | 3.5161% | 3,401 |
| Noninterest income to average assets | 0.3280% | 3,734 |
| Noninterest expense to average assets | 2.3719% | 3,763 |
| Loan and lease loss provision to assets | 0.1871% | 1,101 |
| Net operating income to assets | 0.9371% | 3,068 |
| Return on assets (ROA) | 0.9522% | 3,093 |
| Pretax return on assets | 0.9667% | 3,550 |
| Return on Equity (ROE) | 8.3771% | 3,003 |
| Retained earnings to average equity (ytd only) | 4.5662% | 2,671 |
| Net charge-offs to loans | 0.2696% | 772 |
| Credit loss provision to net charge-offs | 105.1980% | 2,355 |
| Earnings coverage of net charge-offs (x) | 6.4010% | 2,981 |
| Efficiency ratio | 67.5696% | 2,519 |
| Assets per employee ($millions) | 5.1310% | 2,416 |
| Cash dividends to net income (ytd only)* | 45.4924% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 3,330 |
| Loan loss allowance to noncurrent loans | 118.3784% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.6414% | 1,980 |
| Noncurrent loans to loans | 0.8673% | 1,772 |
| Net loans and leases to total assets | 65.4591% | 3,018 |
| Net loans and leases to deposits | 79.3849% | 2,849 |
| Net loans and leases to core deposits | 83.8205% | 2,967 |
| Total domestic deposits to total assets | 82.4578% | 3,375 |
| Equity capital to assets | 11.9714% | 2,152 |
| Core capital (leverage) ratio | 10.5894% | 2,865 |
| Tier 1 risk-based capital ratio | 12.9510% | 3,815 |
| Total risk-based capital ratio | 13.7933% | 3,931 |
| Memoranda: | ||
| Average total assets | $227,159,800 | 2,600 |
| Average earning assets | $205,597,400 | 2,652 |
| Average equity | $25,820,400 | 2,648 |
| Average total loans | $149,874,000 | 2,622 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4424% | 3,232 |
| Cost of funding earning assets | 0.9229% | 2,127 |
| Net interest margin | 3.5195% | 3,506 |
| Noninterest income to average assets | 0.3358% | 3,728 |
| Noninterest expense to average assets | 2.2270% | 4,134 |
| Loan and lease loss provision to assets | 0.1758% | 1,046 |
| Net operating income to assets | 1.1041% | 2,554 |
| Return on assets (ROA) | 1.1023% | 2,650 |
| Pretax return on assets | 1.1182% | 3,249 |
| Return on Equity (ROE) | 9.8278% | 2,501 |
| Retained earnings to average equity (ytd only) | 5.7159% | 2,499 |
| Net charge-offs to loans | 0.2186% | 812 |
| Credit loss provision to net charge-offs | 121.9512% | 1,932 |
| Earnings coverage of net charge-offs (x) | 8.9879% | 2,604 |
| Efficiency ratio | 63.2174% | 3,123 |
| Assets per employee ($millions) | 5.4558% | 2,069 |
| Cash dividends to net income (ytd only)* | 41.8395% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 3,161 |
| Loan loss allowance to noncurrent loans | 92.0635% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 1,854 |
| Noncurrent loans to loans | 1.1649% | 1,357 |
| Net loans and leases to total assets | 63.0422% | 3,384 |
| Net loans and leases to deposits | 76.2376% | 3,271 |
| Net loans and leases to core deposits | 79.9453% | 3,392 |
| Total domestic deposits to total assets | 82.6917% | 3,255 |
| Equity capital to assets | 11.7650% | 2,440 |
| Core capital (leverage) ratio | 10.4948% | 3,105 |
| Tier 1 risk-based capital ratio | 12.8802% | 3,915 |
| Total risk-based capital ratio | 13.7390% | 4,028 |
| Memoranda: | ||
| Average total assets | $227,508,750 | 2,619 |
| Average earning assets | $206,007,500 | 2,665 |
| Average equity | $25,518,750 | 2,682 |
| Average total loans | $150,013,500 | 2,647 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 3,218 |
| Cost of funding earning assets | 0.8789% | 2,253 |
| Net interest margin | 3.5593% | 3,407 |
| Noninterest income to average assets | 0.3119% | 3,843 |
| Noninterest expense to average assets | 2.2700% | 4,084 |
| Loan and lease loss provision to assets | 0.1762% | 1,018 |
| Net operating income to assets | 1.0759% | 2,622 |
| Return on assets (ROA) | 1.0733% | 2,702 |
| Pretax return on assets | 1.0892% | 3,267 |
| Return on Equity (ROE) | 9.7290% | 2,520 |
| Retained earnings to average equity (ytd only) | 5.2798% | 2,629 |
| Net charge-offs to loans | 0.1890% | 879 |
| Credit loss provision to net charge-offs | 139.8601% | 1,568 |
| Earnings coverage of net charge-offs (x) | 10.0629% | 2,297 |
| Efficiency ratio | 64.1594% | 3,106 |
| Assets per employee ($millions) | 5.5707% | 1,903 |
| Cash dividends to net income (ytd only)* | 45.7307% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,380 |
| Loan loss allowance to noncurrent loans | 78.2154% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 1,635 |
| Noncurrent loans to loans | 1.3326% | 1,171 |
| Net loans and leases to total assets | 63.6699% | 3,374 |
| Net loans and leases to deposits | 76.2516% | 3,307 |
| Net loans and leases to core deposits | 79.4980% | 3,463 |
| Total domestic deposits to total assets | 83.4997% | 3,051 |
| Equity capital to assets | 11.0488% | 2,995 |
| Core capital (leverage) ratio | 10.4371% | 3,157 |
| Tier 1 risk-based capital ratio | 12.5317% | 4,107 |
| Total risk-based capital ratio | 13.3846% | 4,230 |
| Memoranda: | ||
| Average total assets | $226,963,330 | 2,631 |
| Average earning assets | $205,713,670 | 2,680 |
| Average equity | $25,038,670 | 2,717 |
| Average total loans | $151,343,330 | 2,643 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 3,238 |
| Cost of funding earning assets | 0.8444% | 2,300 |
| Net interest margin | 3.5527% | 3,425 |
| Noninterest income to average assets | 0.3115% | 3,781 |
| Noninterest expense to average assets | 2.2698% | 4,102 |
| Loan and lease loss provision to assets | 0.1790% | 930 |
| Net operating income to assets | 1.0772% | 2,556 |
| Return on assets (ROA) | 1.0579% | 2,675 |
| Pretax return on assets | 1.0740% | 3,224 |
| Return on Equity (ROE) | 9.5971% | 2,552 |
| Retained earnings to average equity (ytd only) | 4.4169% | 3,162 |
| Net charge-offs to loans | 0.2109% | 664 |
| Credit loss provision to net charge-offs | 125.0000% | 1,383 |
| Earnings coverage of net charge-offs (x) | 8.8875% | 2,063 |
| Efficiency ratio | 64.0728% | 3,227 |
| Assets per employee ($millions) | 5.1247% | 2,364 |
| Cash dividends to net income (ytd only)* | 53.9763% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 3,511 |
| Loan loss allowance to noncurrent loans | 85.7303% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8109% | 1,749 |
| Noncurrent loans to loans | 1.2044% | 1,371 |
| Net loans and leases to total assets | 66.6355% | 2,956 |
| Net loans and leases to deposits | 79.3751% | 2,909 |
| Net loans and leases to core deposits | 82.7748% | 3,124 |
| Total domestic deposits to total assets | 83.9501% | 3,062 |
| Equity capital to assets | 11.3771% | 2,502 |
| Core capital (leverage) ratio | 10.2594% | 3,321 |
| Tier 1 risk-based capital ratio | 12.3325% | 4,282 |
| Total risk-based capital ratio | 13.1661% | 4,404 |
| Memoranda: | ||
| Average total assets | $223,459,500 | 2,697 |
| Average earning assets | $203,228,000 | 2,732 |
| Average equity | $24,632,500 | 2,751 |
| Average total loans | $151,746,000 | 2,673 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 2,992 |
| Cost of funding earning assets | 0.7129% | 2,004 |
| Net interest margin | 3.6196% | 3,311 |
| Noninterest income to average assets | 0.3261% | 3,921 |
| Noninterest expense to average assets | 2.2753% | 4,176 |
| Loan and lease loss provision to assets | 0.5046% | 235 |
| Net operating income to assets | 0.8356% | 3,672 |
| Return on assets (ROA) | 0.8410% | 3,644 |
| Pretax return on assets | 0.8490% | 4,038 |
| Return on Equity (ROE) | 7.9498% | 3,463 |
| Retained earnings to average equity (ytd only) | 4.9098% | 2,818 |
| Net charge-offs to loans | 0.8172% | 185 |
| Credit loss provision to net charge-offs | 89.2149% | 2,733 |
| Earnings coverage of net charge-offs (x) | 2.3838% | 3,526 |
| Efficiency ratio | 62.7924% | 3,385 |
| Assets per employee ($millions) | 5.3942% | 2,063 |
| Cash dividends to net income (ytd only)* | 38.2400% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 3,841 |
| Loan loss allowance to noncurrent loans | 163.2829% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 2,925 |
| Noncurrent loans to loans | 0.5970% | 2,496 |
| Net loans and leases to total assets | 67.8013% | 2,904 |
| Net loans and leases to deposits | 80.0621% | 2,950 |
| Net loans and leases to core deposits | 85.1939% | 2,986 |
| Total domestic deposits to total assets | 84.6859% | 2,772 |
| Equity capital to assets | 10.6790% | 3,007 |
| Core capital (leverage) ratio | 10.1826% | 3,369 |
| Tier 1 risk-based capital ratio | 12.2022% | 4,296 |
| Total risk-based capital ratio | 13.0262% | 4,456 |
| Memoranda: | ||
| Average total assets | $222,961,600 | 2,675 |
| Average earning assets | $203,116,000 | 2,699 |
| Average equity | $23,585,400 | 2,768 |
| Average total loans | $154,310,600 | 2,595 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 2,982 |
| Cost of funding earning assets | 0.6909% | 1,900 |
| Net interest margin | 3.6040% | 3,349 |
| Noninterest income to average assets | 0.3254% | 3,965 |
| Noninterest expense to average assets | 2.1567% | 4,414 |
| Loan and lease loss provision to assets | 0.5554% | 189 |
| Net operating income to assets | 0.8828% | 3,612 |
| Return on assets (ROA) | 0.8898% | 3,583 |
| Pretax return on assets | 0.9060% | 4,004 |
| Return on Equity (ROE) | 8.4322% | 3,364 |
| Retained earnings to average equity (ytd only) | 6.0539% | 2,629 |
| Net charge-offs to loans | 0.9093% | 158 |
| Credit loss provision to net charge-offs | 88.0114% | 2,441 |
| Earnings coverage of net charge-offs (x) | 2.3045% | 3,252 |
| Efficiency ratio | 59.7273% | 3,849 |
| Assets per employee ($millions) | 5.2626% | 2,157 |
| Cash dividends to net income (ytd only)* | 28.2052% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 3,674 |
| Loan loss allowance to noncurrent loans | 192.6582% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 2,731 |
| Noncurrent loans to loans | 0.5263% | 2,803 |
| Net loans and leases to total assets | 67.2292% | 3,045 |
| Net loans and leases to deposits | 79.4261% | 3,095 |
| Net loans and leases to core deposits | 82.7473% | 3,273 |
| Total domestic deposits to total assets | 84.6436% | 2,736 |
| Equity capital to assets | 10.6796% | 2,954 |
| Core capital (leverage) ratio | 9.9838% | 3,655 |
| Tier 1 risk-based capital ratio | 12.2002% | 4,379 |
| Total risk-based capital ratio | 13.0331% | 4,504 |
| Memoranda: | ||
| Average total assets | $222,063,000 | 2,696 |
| Average earning assets | $202,435,250 | 2,718 |
| Average equity | $23,433,250 | 2,793 |
| Average total loans | $154,108,250 | 2,612 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 2,939 |
| Cost of funding earning assets | 0.6570% | 1,886 |
| Net interest margin | 3.5940% | 3,336 |
| Noninterest income to average assets | 0.3057% | 4,129 |
| Noninterest expense to average assets | 2.1708% | 4,435 |
| Loan and lease loss provision to assets | 0.7419% | 128 |
| Net operating income to assets | 0.6486% | 4,349 |
| Return on assets (ROA) | 0.6591% | 4,326 |
| Pretax return on assets | 0.6753% | 4,566 |
| Return on Equity (ROE) | 6.2714% | 4,146 |
| Retained earnings to average equity (ytd only) | 3.3881% | 3,883 |
| Net charge-offs to loans | 0.8556% | 155 |
| Credit loss provision to net charge-offs | 124.0602% | 1,767 |
| Earnings coverage of net charge-offs (x) | 2.3519% | 2,982 |
| Efficiency ratio | 60.6838% | 3,818 |
| Assets per employee ($millions) | 5.3959% | 1,999 |
| Cash dividends to net income (ytd only)* | 45.9754% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 2,817 |
| Loan loss allowance to noncurrent loans | 275.1903% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 3,039 |
| Noncurrent loans to loans | 0.4301% | 3,157 |
| Net loans and leases to total assets | 66.6000% | 3,063 |
| Net loans and leases to deposits | 79.6535% | 2,987 |
| Net loans and leases to core deposits | 82.8074% | 3,177 |
| Total domestic deposits to total assets | 83.6122% | 3,215 |
| Equity capital to assets | 10.2658% | 3,373 |
| Core capital (leverage) ratio | 9.7645% | 3,826 |
| Tier 1 risk-based capital ratio | 11.6834% | 4,700 |
| Total risk-based capital ratio | 12.6600% | 4,739 |
| Memoranda: | ||
| Average total assets | $222,407,670 | 2,707 |
| Average earning assets | $202,448,000 | 2,733 |
| Average equity | $23,376,000 | 2,809 |
| Average total loans | $155,438,330 | 2,601 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2213% | 2,816 |
| Cost of funding earning assets | 0.6391% | 1,782 |
| Net interest margin | 3.5822% | 3,249 |
| Noninterest income to average assets | 0.3069% | 4,109 |
| Noninterest expense to average assets | 2.1643% | 4,500 |
| Loan and lease loss provision to assets | 0.4539% | 236 |
| Net operating income to assets | 0.9192% | 3,207 |
| Return on assets (ROA) | 0.9405% | 3,121 |
| Pretax return on assets | 0.9569% | 3,679 |
| Return on Equity (ROE) | 8.8428% | 2,987 |
| Retained earnings to average equity (ytd only) | 5.3603% | 3,009 |
| Net charge-offs to loans | 0.6225% | 243 |
| Credit loss provision to net charge-offs | 102.4590% | 1,516 |
| Earnings coverage of net charge-offs (x) | 3.1352% | 2,411 |
| Efficiency ratio | 60.9096% | 3,953 |
| Assets per employee ($millions) | 5.2066% | 2,245 |
| Cash dividends to net income (ytd only)* | 39.3822% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,654 |
| Loan loss allowance to noncurrent loans | 125.3980% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6032% | 2,503 |
| Noncurrent loans to loans | 0.8383% | 2,140 |
| Net loans and leases to total assets | 71.1965% | 2,300 |
| Net loans and leases to deposits | 85.3887% | 2,248 |
| Net loans and leases to core deposits | 100.1183% | 1,678 |
| Total domestic deposits to total assets | 83.3792% | 3,552 |
| Equity capital to assets | 10.6458% | 2,931 |
| Core capital (leverage) ratio | 9.8834% | 3,669 |
| Tier 1 risk-based capital ratio | 12.0975% | 4,497 |
| Total risk-based capital ratio | 13.0260% | 4,578 |
| Memoranda: | ||
| Average total assets | $220,298,500 | 2,754 |
| Average earning assets | $199,656,000 | 2,788 |
| Average equity | $23,431,500 | 2,822 |
| Average total loans | $156,787,000 | 2,607 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 3,050 |
| Cost of funding earning assets | 0.5716% | 1,816 |
| Net interest margin | 3.5305% | 3,428 |
| Noninterest income to average assets | 0.3453% | 3,995 |
| Noninterest expense to average assets | 2.2338% | 4,467 |
| Loan and lease loss provision to assets | 0.8757% | 125 |
| Net operating income to assets | 0.4420% | 4,560 |
| Return on assets (ROA) | 0.4500% | 4,565 |
| Pretax return on assets | 0.4563% | 5,006 |
| Return on Equity (ROE) | 4.1688% | 4,456 |
| Retained earnings to average equity (ytd only) | 1.1233% | 4,577 |
| Net charge-offs to loans | 1.2568% | 132 |
| Credit loss provision to net charge-offs | 100.7752% | 2,541 |
| Earnings coverage of net charge-offs (x) | 1.5235% | 3,874 |
| Efficiency ratio | 62.7872% | 3,816 |
| Assets per employee ($millions) | 5.2838% | 2,168 |
| Cash dividends to net income (ytd only)* | 73.0539% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 3,594 |
| Loan loss allowance to noncurrent loans | 102.4239% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 2,157 |
| Noncurrent loans to loans | 1.0299% | 1,726 |
| Net loans and leases to total assets | 69.6565% | 2,573 |
| Net loans and leases to deposits | 83.6921% | 2,526 |
| Net loans and leases to core deposits | 100.6911% | 1,660 |
| Total domestic deposits to total assets | 83.2295% | 3,485 |
| Equity capital to assets | 10.6269% | 3,021 |
| Core capital (leverage) ratio | 9.6288% | 3,887 |
| Tier 1 risk-based capital ratio | 12.3158% | 4,319 |
| Total risk-based capital ratio | 13.2717% | 4,398 |
| Memoranda: | ||
| Average total assets | $222,673,800 | 2,704 |
| Average earning assets | $202,606,200 | 2,746 |
| Average equity | $24,035,600 | 2,752 |
| Average total loans | $153,957,800 | 2,612 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0622% | 3,124 |
| Cost of funding earning assets | 0.5536% | 1,868 |
| Net interest margin | 3.5086% | 3,476 |
| Noninterest income to average assets | 0.3649% | 3,914 |
| Noninterest expense to average assets | 2.1184% | 4,693 |
| Loan and lease loss provision to assets | 0.1346% | 1,611 |
| Net operating income to assets | 1.2998% | 1,332 |
| Return on assets (ROA) | 1.3371% | 1,254 |
| Pretax return on assets | 1.3533% | 2,269 |
| Return on Equity (ROE) | 12.3399% | 1,231 |
| Retained earnings to average equity (ytd only) | 8.8450% | 896 |
| Net charge-offs to loans | 0.0626% | 2,219 |
| Credit loss provision to net charge-offs | 312.5000% | 954 |
| Earnings coverage of net charge-offs (x) | 33.6658% | 1,460 |
| Efficiency ratio | 59.3630% | 4,313 |
| Assets per employee ($millions) | 5.3553% | 2,061 |
| Cash dividends to net income (ytd only)* | 28.3221% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 3,212 |
| Loan loss allowance to noncurrent loans | 202.4943% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 3,462 |
| Noncurrent loans to loans | 0.5666% | 2,997 |
| Net loans and leases to total assets | 68.4089% | 2,783 |
| Net loans and leases to deposits | 83.0052% | 2,657 |
| Net loans and leases to core deposits | 98.4623% | 1,847 |
| Total domestic deposits to total assets | 82.4152% | 3,655 |
| Equity capital to assets | 11.2617% | 2,606 |
| Core capital (leverage) ratio | 9.8670% | 3,736 |
| Tier 1 risk-based capital ratio | 12.7554% | 4,169 |
| Total risk-based capital ratio | 13.7889% | 4,203 |
| Memoranda: | ||
| Average total assets | $222,862,500 | 2,725 |
| Average earning assets | $203,494,750 | 2,756 |
| Average equity | $24,148,750 | 2,768 |
| Average total loans | $153,390,000 | 2,633 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 3,228 |
| Cost of funding earning assets | 0.5339% | 1,885 |
| Net interest margin | 3.4599% | 3,544 |
| Noninterest income to average assets | 0.3853% | 3,791 |
| Noninterest expense to average assets | 2.1757% | 4,609 |
| Loan and lease loss provision to assets | 0.1575% | 1,269 |
| Net operating income to assets | 1.2041% | 1,587 |
| Return on assets (ROA) | 1.2603% | 1,432 |
| Pretax return on assets | 1.2765% | 2,475 |
| Return on Equity (ROE) | 11.7870% | 1,365 |
| Retained earnings to average equity (ytd only) | 7.4174% | 1,386 |
| Net charge-offs to loans | 0.1048% | 1,584 |
| Credit loss provision to net charge-offs | 218.7500% | 1,187 |
| Earnings coverage of net charge-offs (x) | 19.1250% | 1,851 |
| Efficiency ratio | 61.2364% | 4,129 |
| Assets per employee ($millions) | 5.5028% | 1,867 |
| Cash dividends to net income (ytd only)* | 37.0714% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,572 |
| Loan loss allowance to noncurrent loans | 183.0508% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.4084% | 3,474 |
| Noncurrent loans to loans | 0.6021% | 2,922 |
| Net loans and leases to total assets | 67.0858% | 2,938 |
| Net loans and leases to deposits | 80.8535% | 2,825 |
| Net loans and leases to core deposits | 96.1866% | 1,965 |
| Total domestic deposits to total assets | 82.9720% | 3,577 |
| Equity capital to assets | 10.6612% | 3,160 |
| Core capital (leverage) ratio | 9.9122% | 3,642 |
| Tier 1 risk-based capital ratio | 12.5034% | 4,300 |
| Total risk-based capital ratio | 13.4925% | 4,349 |
| Memoranda: | ||
| Average total assets | $222,176,330 | 2,748 |
| Average earning assets | $203,418,330 | 2,771 |
| Average equity | $23,755,000 | 2,807 |
| Average total loans | $152,636,000 | 2,649 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9745% | 3,129 |
| Cost of funding earning assets | 0.4871% | 2,188 |
| Net interest margin | 3.4874% | 3,317 |
| Noninterest income to average assets | 0.2903% | 4,478 |
| Noninterest expense to average assets | 2.1240% | 4,805 |
| Loan and lease loss provision to assets | 0.0919% | 2,007 |
| Net operating income to assets | 1.2689% | 1,325 |
| Return on assets (ROA) | 1.3835% | 1,065 |
| Pretax return on assets | 1.4001% | 1,893 |
| Return on Equity (ROE) | 12.9201% | 1,014 |
| Retained earnings to average equity (ytd only) | 8.0300% | 1,448 |
| Net charge-offs to loans | -0.0027% | 4,041 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6824% | 4,366 |
| Assets per employee ($millions) | 4.8739% | 2,603 |
| Cash dividends to net income (ytd only)* | 37.8486% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,732 |
| Loan loss allowance to noncurrent loans | 607.9422% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 4,757 |
| Noncurrent loans to loans | 0.1804% | 4,478 |
| Net loans and leases to total assets | 69.2414% | 2,498 |
| Net loans and leases to deposits | 83.4854% | 2,344 |
| Net loans and leases to core deposits | 100.2429% | 1,490 |
| Total domestic deposits to total assets | 82.9383% | 3,863 |
| Equity capital to assets | 10.7670% | 2,895 |
| Core capital (leverage) ratio | 9.9246% | 3,601 |
| Tier 1 risk-based capital ratio | 12.6502% | 4,291 |
| Total risk-based capital ratio | 13.6442% | 4,361 |
| Memoranda: | ||
| Average total assets | $217,705,000 | 2,811 |
| Average earning assets | $200,377,500 | 2,826 |
| Average equity | $23,312,500 | 2,857 |
| Average total loans | $150,566,000 | 2,693 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9424% | 3,412 |
| Cost of funding earning assets | 0.4335% | 2,671 |
| Net interest margin | 3.5089% | 3,390 |
| Noninterest income to average assets | 0.3294% | 4,378 |
| Noninterest expense to average assets | 2.2535% | 4,646 |
| Loan and lease loss provision to assets | 0.1414% | 1,765 |
| Net operating income to assets | 1.1553% | 1,675 |
| Return on assets (ROA) | 1.1842% | 1,648 |
| Pretax return on assets | 1.2021% | 2,666 |
| Return on Equity (ROE) | 10.6686% | 1,702 |
| Retained earnings to average equity (ytd only) | 5.9010% | 1,764 |
| Net charge-offs to loans | 0.0856% | 2,473 |
| Credit loss provision to net charge-offs | 247.9339% | 1,172 |
| Earnings coverage of net charge-offs (x) | 23.0496% | 1,704 |
| Efficiency ratio | 63.1621% | 4,078 |
| Assets per employee ($millions) | 4.9110% | 2,497 |
| Cash dividends to net income (ytd only)* | 44.6876% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,673 |
| Loan loss allowance to noncurrent loans | 800.4902% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 4,950 |
| Noncurrent loans to loans | 0.1382% | 4,674 |
| Net loans and leases to total assets | 67.5435% | 2,845 |
| Net loans and leases to deposits | 81.7491% | 2,696 |
| Net loans and leases to core deposits | 100.3852% | 1,588 |
| Total domestic deposits to total assets | 82.6229% | 3,887 |
| Equity capital to assets | 10.6487% | 2,980 |
| Core capital (leverage) ratio | 9.8943% | 3,635 |
| Tier 1 risk-based capital ratio | 12.8727% | 4,153 |
| Total risk-based capital ratio | 13.8754% | 4,198 |
| Memoranda: | ||
| Average total assets | $212,206,000 | 2,837 |
| Average earning assets | $195,842,800 | 2,840 |
| Average equity | $23,555,200 | 2,841 |
| Average total loans | $141,297,400 | 2,762 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 3,462 |
| Cost of funding earning assets | 0.4274% | 2,760 |
| Net interest margin | 3.5111% | 3,428 |
| Noninterest income to average assets | 0.3333% | 4,401 |
| Noninterest expense to average assets | 2.1322% | 4,930 |
| Loan and lease loss provision to assets | 0.0947% | 2,334 |
| Net operating income to assets | 1.3300% | 1,214 |
| Return on assets (ROA) | 1.3432% | 1,259 |
| Pretax return on assets | 1.3602% | 2,193 |
| Return on Equity (ROE) | 11.9759% | 1,332 |
| Retained earnings to average equity (ytd only) | 7.6256% | 1,349 |
| Net charge-offs to loans | 0.0687% | 2,343 |
| Credit loss provision to net charge-offs | 208.3333% | 1,400 |
| Earnings coverage of net charge-offs (x) | 31.7215% | 1,432 |
| Efficiency ratio | 59.6609% | 4,592 |
| Assets per employee ($millions) | 4.7583% | 2,666 |
| Cash dividends to net income (ytd only)* | 36.3252% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,895 |
| Loan loss allowance to noncurrent loans | 375.4902% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 4,654 |
| Noncurrent loans to loans | 0.2898% | 4,223 |
| Net loans and leases to total assets | 66.5124% | 3,039 |
| Net loans and leases to deposits | 81.9318% | 2,744 |
| Net loans and leases to core deposits | 100.1373% | 1,621 |
| Total domestic deposits to total assets | 81.1801% | 4,201 |
| Equity capital to assets | 11.7265% | 2,317 |
| Core capital (leverage) ratio | 10.1418% | 3,388 |
| Tier 1 risk-based capital ratio | 13.4216% | 3,904 |
| Total risk-based capital ratio | 14.4041% | 3,975 |
| Memoranda: | ||
| Average total assets | $211,236,750 | 2,854 |
| Average earning assets | $194,957,750 | 2,858 |
| Average equity | $23,691,500 | 2,844 |
| Average total loans | $139,726,000 | 2,789 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9185% | 3,545 |
| Cost of funding earning assets | 0.4165% | 2,874 |
| Net interest margin | 3.5020% | 3,486 |
| Noninterest income to average assets | 0.3049% | 4,608 |
| Noninterest expense to average assets | 2.1476% | 4,958 |
| Loan and lease loss provision to assets | 0.0944% | 2,268 |
| Net operating income to assets | 1.2690% | 1,361 |
| Return on assets (ROA) | 1.2886% | 1,420 |
| Pretax return on assets | 1.3056% | 2,383 |
| Return on Equity (ROE) | 11.6642% | 1,424 |
| Retained earnings to average equity (ytd only) | 7.2805% | 1,480 |
| Net charge-offs to loans | 0.0961% | 1,879 |
| Credit loss provision to net charge-offs | 149.2537% | 1,597 |
| Earnings coverage of net charge-offs (x) | 21.8209% | 1,655 |
| Efficiency ratio | 60.8777% | 4,529 |
| Assets per employee ($millions) | 4.8176% | 2,537 |
| Cash dividends to net income (ytd only)* | 37.5824% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 4,170 |
| Loan loss allowance to noncurrent loans | 890.4192% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 5,081 |
| Noncurrent loans to loans | 0.1190% | 4,970 |
| Net loans and leases to total assets | 65.4760% | 3,157 |
| Net loans and leases to deposits | 79.4309% | 3,008 |
| Net loans and leases to core deposits | 94.1595% | 2,152 |
| Total domestic deposits to total assets | 82.4313% | 3,865 |
| Equity capital to assets | 11.3759% | 2,673 |
| Core capital (leverage) ratio | 9.9163% | 3,668 |
| Tier 1 risk-based capital ratio | 13.0867% | 4,153 |
| Total risk-based capital ratio | 14.0393% | 4,232 |
| Memoranda: | ||
| Average total assets | $211,861,000 | 2,868 |
| Average earning assets | $194,974,670 | 2,869 |
| Average equity | $23,405,000 | 2,882 |
| Average total loans | $139,373,000 | 2,801 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8931% | 3,614 |
| Cost of funding earning assets | 0.4066% | 2,999 |
| Net interest margin | 3.4866% | 3,522 |
| Noninterest income to average assets | 0.2795% | 4,713 |
| Noninterest expense to average assets | 2.1076% | 5,105 |
| Loan and lease loss provision to assets | 0.0944% | 2,117 |
| Net operating income to assets | 1.2676% | 1,348 |
| Return on assets (ROA) | 1.3069% | 1,315 |
| Pretax return on assets | 1.3239% | 2,204 |
| Return on Equity (ROE) | 12.0084% | 1,315 |
| Retained earnings to average equity (ytd only) | 7.2536% | 1,770 |
| Net charge-offs to loans | 0.1929% | 1,018 |
| Credit loss provision to net charge-offs | 74.6269% | 1,874 |
| Earnings coverage of net charge-offs (x) | 10.8955% | 1,897 |
| Efficiency ratio | 60.4550% | 4,688 |
| Assets per employee ($millions) | 5.2249% | 2,112 |
| Cash dividends to net income (ytd only)* | 39.5954% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 4,441 |
| Loan loss allowance to noncurrent loans | 1,408.8235% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 5,264 |
| Noncurrent loans to loans | 0.0732% | 5,186 |
| Net loans and leases to total assets | 65.9777% | 2,952 |
| Net loans and leases to deposits | 79.7075% | 2,835 |
| Net loans and leases to core deposits | 96.0016% | 1,796 |
| Total domestic deposits to total assets | 82.7747% | 3,978 |
| Equity capital to assets | 11.1677% | 2,753 |
| Core capital (leverage) ratio | 9.7795% | 3,803 |
| Tier 1 risk-based capital ratio | 12.8995% | 4,324 |
| Total risk-based capital ratio | 13.8267% | 4,443 |
| Memoranda: | ||
| Average total assets | $211,804,500 | 2,872 |
| Average earning assets | $194,804,500 | 2,878 |
| Average equity | $23,050,500 | 2,919 |
| Average total loans | $138,920,000 | 2,808 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8529% | 3,873 |
| Cost of funding earning assets | 0.3734% | 3,443 |
| Net interest margin | 3.4796% | 3,597 |
| Noninterest income to average assets | 0.3241% | 4,578 |
| Noninterest expense to average assets | 2.2953% | 4,809 |
| Loan and lease loss provision to assets | 0.0535% | 3,247 |
| Net operating income to assets | 1.1720% | 1,661 |
| Return on assets (ROA) | 1.2111% | 1,580 |
| Pretax return on assets | 1.2310% | 2,539 |
| Return on Equity (ROE) | 11.2855% | 1,516 |
| Retained earnings to average equity (ytd only) | 6.7161% | 1,428 |
| Net charge-offs to loans | 0.0389% | 3,449 |
| Credit loss provision to net charge-offs | 211.5385% | 1,337 |
| Earnings coverage of net charge-offs (x) | 49.2500% | 1,014 |
| Efficiency ratio | 64.8407% | 4,108 |
| Assets per employee ($millions) | 5.3654% | 1,937 |
| Cash dividends to net income (ytd only)* | 40.4896% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 4,320 |
| Loan loss allowance to noncurrent loans | 358.1281% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 4,848 |
| Noncurrent loans to loans | 0.2931% | 4,409 |
| Net loans and leases to total assets | 63.8630% | 3,304 |
| Net loans and leases to deposits | 76.7266% | 3,181 |
| Net loans and leases to core deposits | 81.6469% | 3,186 |
| Total domestic deposits to total assets | 83.2346% | 3,755 |
| Equity capital to assets | 10.6056% | 3,239 |
| Core capital (leverage) ratio | 9.5440% | 4,110 |
| Tier 1 risk-based capital ratio | 12.6169% | 4,564 |
| Total risk-based capital ratio | 13.5541% | 4,653 |
| Memoranda: | ||
| Average total assets | $205,769,600 | 2,891 |
| Average earning assets | $190,168,000 | 2,888 |
| Average equity | $22,081,400 | 2,965 |
| Average total loans | $133,818,000 | 2,821 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8560% | 3,916 |
| Cost of funding earning assets | 0.3647% | 3,606 |
| Net interest margin | 3.4914% | 3,572 |
| Noninterest income to average assets | 0.3268% | 4,597 |
| Noninterest expense to average assets | 2.2034% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3498% | 1,230 |
| Return on assets (ROA) | 1.3978% | 1,160 |
| Pretax return on assets | 1.4141% | 1,956 |
| Return on Equity (ROE) | 12.9852% | 1,123 |
| Retained earnings to average equity (ytd only) | 8.4885% | 1,061 |
| Net charge-offs to loans | 0.0080% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 260.5370% | 270 |
| Efficiency ratio | 61.7361% | 4,611 |
| Assets per employee ($millions) | 5.2104% | 2,051 |
| Cash dividends to net income (ytd only)* | 34.6299% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 4,465 |
| Loan loss allowance to noncurrent loans | 233.6700% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 4,596 |
| Noncurrent loans to loans | 0.4494% | 3,999 |
| Net loans and leases to total assets | 64.3621% | 3,245 |
| Net loans and leases to deposits | 79.0990% | 2,981 |
| Net loans and leases to core deposits | 84.4168% | 2,995 |
| Total domestic deposits to total assets | 81.3691% | 4,372 |
| Equity capital to assets | 11.0957% | 2,906 |
| Core capital (leverage) ratio | 9.6372% | 4,126 |
| Tier 1 risk-based capital ratio | 13.1112% | 4,371 |
| Total risk-based capital ratio | 14.0451% | 4,463 |
| Memoranda: | ||
| Average total assets | $203,558,500 | 2,936 |
| Average earning assets | $189,033,500 | 2,925 |
| Average equity | $21,911,500 | 2,999 |
| Average total loans | $132,644,250 | 2,862 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8269% | 3,967 |
| Cost of funding earning assets | 0.3481% | 3,828 |
| Net interest margin | 3.4788% | 3,590 |
| Noninterest income to average assets | 0.3132% | 4,713 |
| Noninterest expense to average assets | 2.2398% | 5,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2959% | 1,331 |
| Return on assets (ROA) | 1.3679% | 1,197 |
| Pretax return on assets | 1.3845% | 2,048 |
| Return on Equity (ROE) | 12.8389% | 1,147 |
| Retained earnings to average equity (ytd only) | 7.7789% | 1,353 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0633% | 4,508 |
| Assets per employee ($millions) | 4.9061% | 2,397 |
| Cash dividends to net income (ytd only)* | 39.4113% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 4,734 |
| Loan loss allowance to noncurrent loans | 217.7847% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 4,561 |
| Noncurrent loans to loans | 0.4709% | 4,065 |
| Net loans and leases to total assets | 65.3826% | 3,070 |
| Net loans and leases to deposits | 79.7129% | 2,829 |
| Net loans and leases to core deposits | 85.3388% | 2,845 |
| Total domestic deposits to total assets | 82.0225% | 4,289 |
| Equity capital to assets | 10.5956% | 3,329 |
| Core capital (leverage) ratio | 9.4646% | 4,321 |
| Tier 1 risk-based capital ratio | 12.4797% | 4,823 |
| Total risk-based capital ratio | 13.3998% | 4,941 |
| Memoranda: | ||
| Average total assets | $203,676,330 | 2,960 |
| Average earning assets | $189,605,670 | 2,938 |
| Average equity | $21,699,670 | 3,033 |
| Average total loans | $132,800,670 | 2,859 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8205% | 3,922 |
| Cost of funding earning assets | 0.3379% | 4,003 |
| Net interest margin | 3.4826% | 3,502 |
| Noninterest income to average assets | 0.3121% | 4,694 |
| Noninterest expense to average assets | 2.2145% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3203% | 1,210 |
| Return on assets (ROA) | 1.3907% | 1,099 |
| Pretax return on assets | 1.4065% | 1,869 |
| Return on Equity (ROE) | 13.0171% | 1,086 |
| Retained earnings to average equity (ytd only) | 8.5240% | 1,368 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3817% | 4,737 |
| Assets per employee ($millions) | 4.8204% | 2,594 |
| Cash dividends to net income (ytd only)* | 34.5170% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 4,725 |
| Loan loss allowance to noncurrent loans | 380.3815% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 5,131 |
| Noncurrent loans to loans | 0.2777% | 4,789 |
| Net loans and leases to total assets | 64.5981% | 3,007 |
| Net loans and leases to deposits | 79.1474% | 2,664 |
| Net loans and leases to core deposits | 88.8321% | 2,237 |
| Total domestic deposits to total assets | 81.6174% | 4,633 |
| Equity capital to assets | 10.8250% | 3,170 |
| Core capital (leverage) ratio | 9.3367% | 4,510 |
| Tier 1 risk-based capital ratio | 12.5328% | 4,887 |
| Total risk-based capital ratio | 13.4759% | 5,004 |
| Memoranda: | ||
| Average total assets | $202,485,500 | 2,985 |
| Average earning assets | $188,247,500 | 2,963 |
| Average equity | $21,633,000 | 3,056 |
| Average total loans | $131,140,000 | 2,898 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 4,347 |
| Cost of funding earning assets | 0.3408% | 4,359 |
| Net interest margin | 3.5000% | 3,793 |
| Noninterest income to average assets | 0.3292% | 4,759 |
| Noninterest expense to average assets | 2.3456% | 4,987 |
| Loan and lease loss provision to assets | 0.1157% | 2,239 |
| Net operating income to assets | 1.0694% | 2,089 |
| Return on assets (ROA) | 1.1142% | 1,975 |
| Pretax return on assets | 1.1316% | 2,959 |
| Return on Equity (ROE) | 11.1948% | 1,659 |
| Retained earnings to average equity (ytd only) | 7.2237% | 1,307 |
| Net charge-offs to loans | 0.3427% | 1,278 |
| Credit loss provision to net charge-offs | 55.6086% | 3,364 |
| Earnings coverage of net charge-offs (x) | 5.7757% | 3,357 |
| Efficiency ratio | 66.1254% | 4,223 |
| Assets per employee ($millions) | 4.8217% | 2,567 |
| Cash dividends to net income (ytd only)* | 35.4724% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 4,678 |
| Loan loss allowance to noncurrent loans | 300.8621% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 4,969 |
| Noncurrent loans to loans | 0.3566% | 4,582 |
| Net loans and leases to total assets | 63.5535% | 3,285 |
| Net loans and leases to deposits | 78.7821% | 2,867 |
| Net loans and leases to core deposits | 90.1307% | 2,266 |
| Total domestic deposits to total assets | 80.6699% | 4,836 |
| Equity capital to assets | 10.5425% | 3,424 |
| Core capital (leverage) ratio | 9.0486% | 4,906 |
| Tier 1 risk-based capital ratio | 12.2183% | 5,214 |
| Total risk-based capital ratio | 13.1611% | 5,331 |
| Memoranda: | ||
| Average total assets | $201,399,000 | 2,968 |
| Average earning assets | $185,170,400 | 2,974 |
| Average equity | $20,045,000 | 3,154 |
| Average total loans | $122,275,800 | 2,998 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 4,464 |
| Cost of funding earning assets | 0.3441% | 4,406 |
| Net interest margin | 3.4772% | 3,912 |
| Noninterest income to average assets | 0.3301% | 4,795 |
| Noninterest expense to average assets | 2.2387% | 5,256 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2639% | 1,482 |
| Return on assets (ROA) | 1.2947% | 1,441 |
| Pretax return on assets | 1.3113% | 2,333 |
| Return on Equity (ROE) | 13.2054% | 1,169 |
| Retained earnings to average equity (ytd only) | 8.7359% | 1,082 |
| Net charge-offs to loans | 0.0177% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 120.7032% | 493 |
| Efficiency ratio | 63.6209% | 4,611 |
| Assets per employee ($millions) | 4.7394% | 2,606 |
| Cash dividends to net income (ytd only)* | 33.8454% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 3,633 |
| Loan loss allowance to noncurrent loans | 2,409.2308% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 6,042 |
| Noncurrent loans to loans | 0.0540% | 5,800 |
| Net loans and leases to total assets | 59.6370% | 3,856 |
| Net loans and leases to deposits | 74.3952% | 3,387 |
| Net loans and leases to core deposits | 83.3025% | 2,962 |
| Total domestic deposits to total assets | 80.1624% | 5,062 |
| Equity capital to assets | 10.5292% | 3,519 |
| Core capital (leverage) ratio | 9.0909% | 4,943 |
| Tier 1 risk-based capital ratio | 12.6238% | 5,085 |
| Total risk-based capital ratio | 13.7260% | 5,117 |
| Memoranda: | ||
| Average total assets | $201,120,500 | 3,001 |
| Average earning assets | $184,437,250 | 3,006 |
| Average equity | $19,718,750 | 3,196 |
| Average total loans | $120,319,750 | 3,046 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7999% | 4,524 |
| Cost of funding earning assets | 0.3414% | 4,522 |
| Net interest margin | 3.4585% | 3,946 |
| Noninterest income to average assets | 0.3161% | 4,881 |
| Noninterest expense to average assets | 2.2199% | 5,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2422% | 1,471 |
| Return on assets (ROA) | 1.2834% | 1,411 |
| Pretax return on assets | 1.3002% | 2,248 |
| Return on Equity (ROE) | 13.4160% | 1,071 |
| Retained earnings to average equity (ytd only) | 8.3189% | 1,203 |
| Net charge-offs to loans | 0.0233% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 90.7143% | 597 |
| Efficiency ratio | 63.8177% | 4,719 |
| Assets per employee ($millions) | 4.7805% | 2,503 |
| Cash dividends to net income (ytd only)* | 37.9923% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 3,790 |
| Loan loss allowance to noncurrent loans | 2,657.6271% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 6,121 |
| Noncurrent loans to loans | 0.0494% | 5,903 |
| Net loans and leases to total assets | 58.7388% | 3,894 |
| Net loans and leases to deposits | 69.7980% | 3,849 |
| Net loans and leases to core deposits | 78.2953% | 3,404 |
| Total domestic deposits to total assets | 84.1555% | 3,871 |
| Equity capital to assets | 10.1687% | 3,875 |
| Core capital (leverage) ratio | 8.7920% | 5,279 |
| Tier 1 risk-based capital ratio | 12.4604% | 5,251 |
| Total risk-based capital ratio | 13.5802% | 5,264 |
| Memoranda: | ||
| Average total assets | $201,808,670 | 3,010 |
| Average earning assets | $184,529,670 | 3,017 |
| Average equity | $19,305,330 | 3,238 |
| Average total loans | $120,334,000 | 3,053 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7852% | 4,551 |
| Cost of funding earning assets | 0.3412% | 4,633 |
| Net interest margin | 3.4441% | 3,925 |
| Noninterest income to average assets | 0.3025% | 4,935 |
| Noninterest expense to average assets | 2.2123% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2286% | 1,405 |
| Return on assets (ROA) | 1.3088% | 1,236 |
| Pretax return on assets | 1.3246% | 2,009 |
| Return on Equity (ROE) | 14.1230% | 926 |
| Retained earnings to average equity (ytd only) | 9.7709% | 1,024 |
| Net charge-offs to loans | 0.0133% | 3,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 157.2500% | 313 |
| Efficiency ratio | 64.0160% | 4,852 |
| Assets per employee ($millions) | 4.9572% | 2,300 |
| Cash dividends to net income (ytd only)* | 30.8157% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 4,176 |
| Loan loss allowance to noncurrent loans | 3,156.0000% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 6,165 |
| Noncurrent loans to loans | 0.0409% | 6,027 |
| Net loans and leases to total assets | 59.3844% | 3,653 |
| Net loans and leases to deposits | 69.3390% | 3,683 |
| Net loans and leases to core deposits | 79.3694% | 3,052 |
| Total domestic deposits to total assets | 85.6436% | 3,536 |
| Equity capital to assets | 9.4476% | 4,568 |
| Core capital (leverage) ratio | 8.6159% | 5,508 |
| Tier 1 risk-based capital ratio | 12.0149% | 5,635 |
| Total risk-based capital ratio | 13.1235% | 5,650 |
| Memoranda: | ||
| Average total assets | $202,322,000 | 3,023 |
| Average earning assets | $185,247,000 | 3,030 |
| Average equity | $18,749,500 | 3,319 |
| Average total loans | $120,748,500 | 3,057 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6295% | 5,333 |
| Cost of funding earning assets | 0.3917% | 4,736 |
| Net interest margin | 3.2378% | 4,866 |
| Noninterest income to average assets | 0.4696% | 3,965 |
| Noninterest expense to average assets | 2.2916% | 5,408 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1451% | 1,776 |
| Return on assets (ROA) | 1.1925% | 1,666 |
| Pretax return on assets | 1.2093% | 2,539 |
| Return on Equity (ROE) | 13.0507% | 1,157 |
| Retained earnings to average equity (ytd only) | 9.4570% | 667 |
| Net charge-offs to loans | -0.0046% | 5,919 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3664% | 4,495 |
| Assets per employee ($millions) | 4.9121% | 2,294 |
| Cash dividends to net income (ytd only)* | 27.5362% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 3,997 |
| Loan loss allowance to noncurrent loans | 3,164.0000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 6,242 |
| Noncurrent loans to loans | 0.0419% | 6,115 |
| Net loans and leases to total assets | 58.4120% | 3,965 |
| Net loans and leases to deposits | 70.0063% | 3,782 |
| Net loans and leases to core deposits | 78.6238% | 3,288 |
| Total domestic deposits to total assets | 83.4382% | 4,383 |
| Equity capital to assets | 9.0850% | 4,939 |
| Core capital (leverage) ratio | 8.3462% | 5,826 |
| Tier 1 risk-based capital ratio | 12.0834% | 5,571 |
| Total risk-based capital ratio | 13.2320% | 5,563 |
| Memoranda: | ||
| Average total assets | $202,518,600 | 3,007 |
| Average earning assets | $186,607,200 | 3,003 |
| Average equity | $18,504,800 | 3,343 |
| Average total loans | $108,490,600 | 3,275 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5848% | 5,484 |
| Cost of funding earning assets | 0.3993% | 4,822 |
| Net interest margin | 3.1856% | 5,040 |
| Noninterest income to average assets | 0.5154% | 3,704 |
| Noninterest expense to average assets | 2.1781% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2603% | 1,455 |
| Return on assets (ROA) | 1.3221% | 1,344 |
| Pretax return on assets | 1.3373% | 2,181 |
| Return on Equity (ROE) | 14.4490% | 898 |
| Retained earnings to average equity (ytd only) | 11.1080% | 559 |
| Net charge-offs to loans | -0.0113% | 5,913 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0807% | 4,976 |
| Assets per employee ($millions) | 4.9137% | 2,280 |
| Cash dividends to net income (ytd only)* | 23.1226% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 3,637 |
| Loan loss allowance to noncurrent loans | 2,937.0370% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 6,234 |
| Noncurrent loans to loans | 0.0497% | 6,198 |
| Net loans and leases to total assets | 53.1205% | 4,732 |
| Net loans and leases to deposits | 61.8274% | 4,785 |
| Net loans and leases to core deposits | 70.3028% | 4,293 |
| Total domestic deposits to total assets | 85.9174% | 3,309 |
| Equity capital to assets | 8.8940% | 5,306 |
| Core capital (leverage) ratio | 8.1907% | 6,071 |
| Tier 1 risk-based capital ratio | 12.6806% | 5,341 |
| Total risk-based capital ratio | 13.9039% | 5,304 |
| Memoranda: | ||
| Average total assets | $202,799,000 | 3,026 |
| Average earning assets | $187,005,250 | 3,021 |
| Average equity | $18,556,750 | 3,371 |
| Average total loans | $105,807,750 | 3,351 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 5,494 |
| Cost of funding earning assets | 0.4125% | 4,836 |
| Net interest margin | 3.1689% | 5,049 |
| Noninterest income to average assets | 0.4566% | 4,119 |
| Noninterest expense to average assets | 2.1245% | 5,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2433% | 1,478 |
| Return on assets (ROA) | 1.2901% | 1,443 |
| Pretax return on assets | 1.3048% | 2,283 |
| Return on Equity (ROE) | 13.9693% | 1,014 |
| Retained earnings to average equity (ytd only) | 10.3039% | 780 |
| Net charge-offs to loans | -0.0172% | 5,921 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8164% | 5,046 |
| Assets per employee ($millions) | 4.8095% | 2,358 |
| Cash dividends to net income (ytd only)* | 26.2395% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 3,576 |
| Loan loss allowance to noncurrent loans | 2,883.6364% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 6,292 |
| Noncurrent loans to loans | 0.0521% | 6,238 |
| Net loans and leases to total assets | 51.4545% | 4,937 |
| Net loans and leases to deposits | 58.9856% | 5,073 |
| Net loans and leases to core deposits | 66.2976% | 4,662 |
| Total domestic deposits to total assets | 87.2322% | 2,696 |
| Equity capital to assets | 8.8624% | 5,376 |
| Core capital (leverage) ratio | 7.8057% | 6,305 |
| Tier 1 risk-based capital ratio | 12.5183% | 5,482 |
| Total risk-based capital ratio | 13.7685% | 5,427 |
| Memoranda: | ||
| Average total assets | $203,245,000 | 3,034 |
| Average earning assets | $187,633,330 | 3,025 |
| Average equity | $18,769,670 | 3,359 |
| Average total loans | $104,876,000 | 3,386 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5910% | 5,475 |
| Cost of funding earning assets | 0.4286% | 4,825 |
| Net interest margin | 3.1625% | 5,054 |
| Noninterest income to average assets | 0.4101% | 4,388 |
| Noninterest expense to average assets | 2.0896% | 5,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2439% | 1,407 |
| Return on assets (ROA) | 1.2439% | 1,513 |
| Pretax return on assets | 1.2596% | 2,371 |
| Return on Equity (ROE) | 13.2059% | 1,117 |
| Retained earnings to average equity (ytd only) | 12.6644% | 599 |
| Net charge-offs to loans | -0.0383% | 6,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3902% | 5,257 |
| Assets per employee ($millions) | 4.9512% | 2,283 |
| Cash dividends to net income (ytd only)* | 4.1009% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 3,555 |
| Loan loss allowance to noncurrent loans | 337.6596% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 5,761 |
| Noncurrent loans to loans | 0.4632% | 5,264 |
| Net loans and leases to total assets | 48.0305% | 5,224 |
| Net loans and leases to deposits | 55.6760% | 5,278 |
| Net loans and leases to core deposits | 62.0361% | 4,953 |
| Total domestic deposits to total assets | 86.2679% | 3,376 |
| Equity capital to assets | 9.2993% | 5,131 |
| Core capital (leverage) ratio | 7.5942% | 6,425 |
| Tier 1 risk-based capital ratio | 12.5766% | 5,532 |
| Total risk-based capital ratio | 13.8268% | 5,478 |
| Memoranda: | ||
| Average total assets | $203,867,500 | 3,056 |
| Average earning assets | $189,472,500 | 3,019 |
| Average equity | $19,203,500 | 3,349 |
| Average total loans | $104,552,000 | 3,404 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8420% | 5,727 |
| Cost of funding earning assets | 0.5722% | 4,621 |
| Net interest margin | 3.2698% | 5,360 |
| Noninterest income to average assets | 0.3213% | 5,161 |
| Noninterest expense to average assets | 2.1803% | 5,963 |
| Loan and lease loss provision to assets | 0.1520% | 3,713 |
| Net operating income to assets | 0.9928% | 2,372 |
| Return on assets (ROA) | 1.1373% | 1,982 |
| Pretax return on assets | 1.1530% | 2,977 |
| Return on Equity (ROE) | 12.0912% | 1,485 |
| Retained earnings to average equity (ytd only) | 6.7999% | 1,673 |
| Net charge-offs to loans | 0.4633% | 2,382 |
| Credit loss provision to net charge-offs | 66.2252% | 4,280 |
| Earnings coverage of net charge-offs (x) | 5.0486% | 3,163 |
| Efficiency ratio | 65.2906% | 4,648 |
| Assets per employee ($millions) | 4.7568% | 2,572 |
| Cash dividends to net income (ytd only)* | 43.7611% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 3,885 |
| Loan loss allowance to noncurrent loans | 279.1150% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 5,779 |
| Noncurrent loans to loans | 0.5249% | 5,220 |
| Net loans and leases to total assets | 53.0873% | 4,741 |
| Net loans and leases to deposits | 62.6558% | 4,704 |
| Net loans and leases to core deposits | 72.1094% | 4,034 |
| Total domestic deposits to total assets | 84.7285% | 3,980 |
| Equity capital to assets | 9.5448% | 4,821 |
| Core capital (leverage) ratio | 7.5950% | 6,449 |
| Tier 1 risk-based capital ratio | 11.9024% | 5,840 |
| Total risk-based capital ratio | 13.1523% | 5,802 |
| Memoranda: | ||
| Average total assets | $197,312,000 | 3,080 |
| Average earning assets | $182,119,800 | 3,057 |
| Average equity | $18,559,000 | 3,392 |
| Average total loans | $97,784,200 | 3,577 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9051% | 5,776 |
| Cost of funding earning assets | 0.5989% | 4,662 |
| Net interest margin | 3.3062% | 5,370 |
| Noninterest income to average assets | 0.3213% | 5,211 |
| Noninterest expense to average assets | 2.1115% | 6,141 |
| Loan and lease loss provision to assets | 0.1525% | 3,625 |
| Net operating income to assets | 1.0870% | 2,139 |
| Return on assets (ROA) | 1.2581% | 1,712 |
| Pretax return on assets | 1.2723% | 2,702 |
| Return on Equity (ROE) | 13.4259% | 1,246 |
| Retained earnings to average equity (ytd only) | 8.2899% | 1,498 |
| Net charge-offs to loans | 0.6350% | 1,734 |
| Credit loss provision to net charge-offs | 49.5595% | 4,416 |
| Earnings coverage of net charge-offs (x) | 4.0683% | 3,413 |
| Efficiency ratio | 62.7771% | 5,017 |
| Assets per employee ($millions) | 4.8242% | 2,410 |
| Cash dividends to net income (ytd only)* | 38.2543% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 3,650 |
| Loan loss allowance to noncurrent loans | 273.9051% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 6,008 |
| Noncurrent loans to loans | 0.5731% | 5,289 |
| Net loans and leases to total assets | 47.5846% | 5,598 |
| Net loans and leases to deposits | 56.9787% | 5,537 |
| Net loans and leases to core deposits | 64.3511% | 5,115 |
| Total domestic deposits to total assets | 83.5129% | 4,429 |
| Equity capital to assets | 9.8392% | 4,725 |
| Core capital (leverage) ratio | 7.4915% | 6,627 |
| Tier 1 risk-based capital ratio | 12.8451% | 5,374 |
| Total risk-based capital ratio | 14.0960% | 5,339 |
| Memoranda: | ||
| Average total assets | $196,694,000 | 3,118 |
| Average earning assets | $180,990,250 | 3,105 |
| Average equity | $18,431,500 | 3,442 |
| Average total loans | $95,321,000 | 3,671 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9337% | 5,827 |
| Cost of funding earning assets | 0.6421% | 4,514 |
| Net interest margin | 3.2916% | 5,464 |
| Noninterest income to average assets | 0.3168% | 5,285 |
| Noninterest expense to average assets | 2.1046% | 6,222 |
| Loan and lease loss provision to assets | 0.1528% | 3,610 |
| Net operating income to assets | 1.0603% | 2,203 |
| Return on assets (ROA) | 1.2449% | 1,755 |
| Pretax return on assets | 1.2591% | 2,696 |
| Return on Equity (ROE) | 13.5115% | 1,233 |
| Retained earnings to average equity (ytd only) | 6.3909% | 2,450 |
| Net charge-offs to loans | 0.1428% | 3,776 |
| Credit loss provision to net charge-offs | 220.5882% | 1,289 |
| Earnings coverage of net charge-offs (x) | 17.6912% | 1,516 |
| Efficiency ratio | 63.1998% | 5,049 |
| Assets per employee ($millions) | 4.9660% | 2,221 |
| Cash dividends to net income (ytd only)* | 52.7005% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 2,500 |
| Loan loss allowance to noncurrent loans | 321.2766% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 6,084 |
| Noncurrent loans to loans | 0.5964% | 5,322 |
| Net loans and leases to total assets | 45.5571% | 5,858 |
| Net loans and leases to deposits | 52.8792% | 5,966 |
| Net loans and leases to core deposits | 59.2242% | 5,675 |
| Total domestic deposits to total assets | 86.1532% | 3,281 |
| Equity capital to assets | 9.0174% | 5,681 |
| Core capital (leverage) ratio | 7.2341% | 6,745 |
| Tier 1 risk-based capital ratio | 12.5765% | 5,517 |
| Total risk-based capital ratio | 13.8306% | 5,495 |
| Memoranda: | ||
| Average total assets | $196,328,330 | 3,131 |
| Average earning assets | $179,728,330 | 3,134 |
| Average equity | $18,088,330 | 3,486 |
| Average total loans | $95,221,670 | 3,685 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 5,533 |
| Cost of funding earning assets | 0.6894% | 4,372 |
| Net interest margin | 3.3879% | 5,167 |
| Noninterest income to average assets | 0.3384% | 5,151 |
| Noninterest expense to average assets | 2.2046% | 6,036 |
| Loan and lease loss provision to assets | 0.1557% | 3,431 |
| Net operating income to assets | 1.0660% | 2,224 |
| Return on assets (ROA) | 1.1749% | 1,998 |
| Pretax return on assets | 1.1895% | 2,951 |
| Return on Equity (ROE) | 12.6111% | 1,509 |
| Retained earnings to average equity (ytd only) | 7.9543% | 1,998 |
| Net charge-offs to loans | -0.0251% | 6,264 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0917% | 4,905 |
| Assets per employee ($millions) | 5.0067% | 2,243 |
| Cash dividends to net income (ytd only)* | 36.9258% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9531% | 2,510 |
| Loan loss allowance to noncurrent loans | 298.8449% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 5,989 |
| Noncurrent loans to loans | 0.6536% | 5,335 |
| Net loans and leases to total assets | 45.3956% | 5,856 |
| Net loans and leases to deposits | 52.7528% | 5,920 |
| Net loans and leases to core deposits | 57.4179% | 5,765 |
| Total domestic deposits to total assets | 86.0535% | 3,499 |
| Equity capital to assets | 9.0595% | 5,409 |
| Core capital (leverage) ratio | 7.2597% | 6,739 |
| Tier 1 risk-based capital ratio | 12.6226% | 5,499 |
| Total risk-based capital ratio | 13.8769% | 5,469 |
| Memoranda: | ||
| Average total assets | $192,689,500 | 3,202 |
| Average earning assets | $176,392,500 | 3,201 |
| Average equity | $17,952,500 | 3,507 |
| Average total loans | $95,548,000 | 3,698 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 4,753 |
| Cost of funding earning assets | 0.9305% | 3,873 |
| Net interest margin | 3.6498% | 4,524 |
| Noninterest income to average assets | 0.3685% | 4,873 |
| Noninterest expense to average assets | 2.4586% | 5,607 |
| Loan and lease loss provision to assets | 0.3089% | 3,199 |
| Net operating income to assets | 0.9373% | 2,458 |
| Return on assets (ROA) | 1.1948% | 1,633 |
| Pretax return on assets | 1.2099% | 2,424 |
| Return on Equity (ROE) | 12.7081% | 1,229 |
| Retained earnings to average equity (ytd only) | 9.5475% | 662 |
| Net charge-offs to loans | 0.4887% | 3,038 |
| Credit loss provision to net charge-offs | 120.6140% | 2,639 |
| Earnings coverage of net charge-offs (x) | 4.9145% | 2,945 |
| Efficiency ratio | 66.1378% | 4,747 |
| Assets per employee ($millions) | 4.7465% | 2,524 |
| Cash dividends to net income (ytd only)* | 24.8707% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 2,992 |
| Loan loss allowance to noncurrent loans | 297.7625% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 5,896 |
| Noncurrent loans to loans | 0.5906% | 5,533 |
| Net loans and leases to total assets | 52.2076% | 5,281 |
| Net loans and leases to deposits | 61.8931% | 5,256 |
| Net loans and leases to core deposits | 69.1245% | 4,894 |
| Total domestic deposits to total assets | 84.3512% | 4,165 |
| Equity capital to assets | 9.5952% | 4,751 |
| Core capital (leverage) ratio | 7.6297% | 6,578 |
| Tier 1 risk-based capital ratio | 12.0610% | 5,793 |
| Total risk-based capital ratio | 13.3148% | 5,775 |
| Memoranda: | ||
| Average total assets | $178,027,600 | 3,364 |
| Average earning assets | $163,349,800 | 3,343 |
| Average equity | $16,737,400 | 3,618 |
| Average total loans | $93,306,000 | 3,776 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6292% | 4,751 |
| Cost of funding earning assets | 0.9770% | 3,835 |
| Net interest margin | 3.6522% | 4,554 |
| Noninterest income to average assets | 0.3775% | 4,848 |
| Noninterest expense to average assets | 2.3859% | 5,803 |
| Loan and lease loss provision to assets | 0.1702% | 4,339 |
| Net operating income to assets | 1.1668% | 1,756 |
| Return on assets (ROA) | 1.4206% | 1,187 |
| Pretax return on assets | 1.4342% | 1,833 |
| Return on Equity (ROE) | 15.1927% | 809 |
| Retained earnings to average equity (ytd only) | 10.9131% | 646 |
| Net charge-offs to loans | 0.6258% | 2,375 |
| Credit loss provision to net charge-offs | 52.0833% | 4,990 |
| Earnings coverage of net charge-offs (x) | 4.1250% | 3,170 |
| Efficiency ratio | 63.8979% | 5,090 |
| Assets per employee ($millions) | 4.6125% | 2,739 |
| Cash dividends to net income (ytd only)* | 28.1684% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 3,876 |
| Loan loss allowance to noncurrent loans | 269.1149% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 6,027 |
| Noncurrent loans to loans | 0.5769% | 5,722 |
| Net loans and leases to total assets | 50.3758% | 5,664 |
| Net loans and leases to deposits | 60.4661% | 5,586 |
| Net loans and leases to core deposits | 67.1125% | 5,294 |
| Total domestic deposits to total assets | 83.3124% | 4,555 |
| Equity capital to assets | 9.9323% | 4,433 |
| Core capital (leverage) ratio | 7.5023% | 6,764 |
| Tier 1 risk-based capital ratio | 12.4233% | 5,553 |
| Total risk-based capital ratio | 13.6738% | 5,547 |
| Memoranda: | ||
| Average total assets | $176,256,250 | 3,406 |
| Average earning assets | $161,981,500 | 3,386 |
| Average equity | $16,481,250 | 3,664 |
| Average total loans | $92,039,250 | 3,843 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6395% | 4,793 |
| Cost of funding earning assets | 1.0093% | 3,893 |
| Net interest margin | 3.6302% | 4,600 |
| Noninterest income to average assets | 0.3748% | 4,881 |
| Noninterest expense to average assets | 2.4119% | 5,807 |
| Loan and lease loss provision to assets | 0.1714% | 4,218 |
| Net operating income to assets | 1.1118% | 1,838 |
| Return on assets (ROA) | 1.2305% | 1,564 |
| Pretax return on assets | 1.2442% | 2,329 |
| Return on Equity (ROE) | 13.4463% | 1,103 |
| Retained earnings to average equity (ytd only) | 8.6021% | 1,234 |
| Net charge-offs to loans | 0.2847% | 3,453 |
| Credit loss provision to net charge-offs | 114.5038% | 2,674 |
| Earnings coverage of net charge-offs (x) | 8.6565% | 2,024 |
| Efficiency ratio | 65.0539% | 5,051 |
| Assets per employee ($millions) | 4.4691% | 2,893 |
| Cash dividends to net income (ytd only)* | 36.0260% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 2,887 |
| Loan loss allowance to noncurrent loans | 108.8816% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9236% | 5,019 |
| Noncurrent loans to loans | 1.6824% | 3,903 |
| Net loans and leases to total assets | 49.6146% | 5,875 |
| Net loans and leases to deposits | 58.0524% | 5,933 |
| Net loans and leases to core deposits | 63.4201% | 5,785 |
| Total domestic deposits to total assets | 85.4652% | 3,638 |
| Equity capital to assets | 9.3889% | 4,996 |
| Core capital (leverage) ratio | 7.3417% | 6,845 |
| Tier 1 risk-based capital ratio | 11.8268% | 5,915 |
| Total risk-based capital ratio | 13.0800% | 5,897 |
| Memoranda: | ||
| Average total assets | $175,045,670 | 3,447 |
| Average earning assets | $160,708,330 | 3,429 |
| Average equity | $16,019,330 | 3,731 |
| Average total loans | $92,036,000 | 3,887 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6178% | 4,869 |
| Cost of funding earning assets | 1.0583% | 3,796 |
| Net interest margin | 3.5595% | 4,769 |
| Noninterest income to average assets | 0.3857% | 4,828 |
| Noninterest expense to average assets | 2.4898% | 5,588 |
| Loan and lease loss provision to assets | 0.1732% | 3,894 |
| Net operating income to assets | 0.9808% | 2,244 |
| Return on assets (ROA) | 1.1294% | 1,784 |
| Pretax return on assets | 1.1433% | 2,594 |
| Return on Equity (ROE) | 12.5088% | 1,320 |
| Retained earnings to average equity (ytd only) | 12.1762% | 713 |
| Net charge-offs to loans | 0.2842% | 2,926 |
| Credit loss provision to net charge-offs | 113.6364% | 2,362 |
| Earnings coverage of net charge-offs (x) | 7.6515% | 1,919 |
| Efficiency ratio | 68.0985% | 4,636 |
| Assets per employee ($millions) | 4.3710% | 3,088 |
| Cash dividends to net income (ytd only)* | 2.6585% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7965% | 3,021 |
| Loan loss allowance to noncurrent loans | 91.7969% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.0249% | 4,856 |
| Noncurrent loans to loans | 1.9571% | 3,632 |
| Net loans and leases to total assets | 51.4302% | 5,657 |
| Net loans and leases to deposits | 60.2532% | 5,702 |
| Net loans and leases to core deposits | 65.9707% | 5,513 |
| Total domestic deposits to total assets | 85.3568% | 3,860 |
| Equity capital to assets | 9.1158% | 5,018 |
| Core capital (leverage) ratio | 7.1781% | 6,925 |
| Tier 1 risk-based capital ratio | 11.5510% | 6,066 |
| Total risk-based capital ratio | 12.8040% | 6,042 |
| Memoranda: | ||
| Average total assets | $173,186,500 | 3,502 |
| Average earning assets | $159,122,500 | 3,484 |
| Average equity | $15,637,000 | 3,789 |
| Average total loans | $92,880,000 | 3,902 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 4,560 |
| Cost of funding earning assets | 1.2848% | 3,984 |
| Net interest margin | 3.7144% | 4,289 |
| Noninterest income to average assets | 0.3891% | 4,985 |
| Noninterest expense to average assets | 2.3857% | 6,122 |
| Loan and lease loss provision to assets | 1.0990% | 1,455 |
| Net operating income to assets | 0.2828% | 4,990 |
| Return on assets (ROA) | 0.7604% | 3,079 |
| Pretax return on assets | 0.7717% | 3,720 |
| Return on Equity (ROE) | 7.7748% | 2,790 |
| Retained earnings to average equity (ytd only) | 3.0127% | 3,739 |
| Net charge-offs to loans | 1.4423% | 1,531 |
| Credit loss provision to net charge-offs | 141.2214% | 2,666 |
| Earnings coverage of net charge-offs (x) | 1.7840% | 4,380 |
| Efficiency ratio | 63.2142% | 5,479 |
| Assets per employee ($millions) | 4.3983% | 3,031 |
| Cash dividends to net income (ytd only)* | 61.2500% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7368% | 3,080 |
| Loan loss allowance to noncurrent loans | 103.2177% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9240% | 5,166 |
| Noncurrent loans to loans | 1.6827% | 3,975 |
| Net loans and leases to total assets | 53.9596% | 5,638 |
| Net loans and leases to deposits | 64.0161% | 5,627 |
| Net loans and leases to core deposits | 71.3865% | 5,286 |
| Total domestic deposits to total assets | 84.2906% | 4,227 |
| Equity capital to assets | 8.9405% | 5,221 |
| Core capital (leverage) ratio | 7.1314% | 6,951 |
| Tier 1 risk-based capital ratio | 11.0676% | 6,279 |
| Total risk-based capital ratio | 12.3204% | 6,245 |
| Memoranda: | ||
| Average total assets | $168,334,600 | 3,571 |
| Average earning assets | $153,404,800 | 3,586 |
| Average equity | $16,463,400 | 3,675 |
| Average total loans | $90,824,600 | 4,031 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 4,304 |
| Cost of funding earning assets | 1.3143% | 4,134 |
| Net interest margin | 3.7873% | 4,023 |
| Noninterest income to average assets | 0.3987% | 4,967 |
| Noninterest expense to average assets | 2.3406% | 6,198 |
| Loan and lease loss provision to assets | 0.2388% | 4,690 |
| Net operating income to assets | 1.2569% | 1,451 |
| Return on assets (ROA) | 1.6752% | 705 |
| Pretax return on assets | 1.6912% | 1,134 |
| Return on Equity (ROE) | 16.7606% | 618 |
| Retained earnings to average equity (ytd only) | 10.5181% | 682 |
| Net charge-offs to loans | 0.0282% | 6,281 |
| Credit loss provision to net charge-offs | 1,578.9474% | 197 |
| Earnings coverage of net charge-offs (x) | 99.6948% | 308 |
| Efficiency ratio | 60.8273% | 5,819 |
| Assets per employee ($millions) | 4.3543% | 3,159 |
| Cash dividends to net income (ytd only)* | 37.2447% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 3,855 |
| Loan loss allowance to noncurrent loans | 162.0000% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 6,179 |
| Noncurrent loans to loans | 0.9394% | 5,354 |
| Net loans and leases to total assets | 52.4715% | 6,047 |
| Net loans and leases to deposits | 64.7890% | 5,808 |
| Net loans and leases to core deposits | 72.5493% | 5,452 |
| Total domestic deposits to total assets | 80.9882% | 5,368 |
| Equity capital to assets | 10.1074% | 4,006 |
| Core capital (leverage) ratio | 7.7133% | 6,661 |
| Tier 1 risk-based capital ratio | 12.1024% | 5,367 |
| Total risk-based capital ratio | 13.3534% | 5,330 |
| Memoranda: | ||
| Average total assets | $167,534,750 | 3,628 |
| Average earning assets | $152,578,000 | 3,648 |
| Average equity | $16,745,250 | 3,691 |
| Average total loans | $89,982,000 | 4,117 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 4,380 |
| Cost of funding earning assets | 1.3356% | 4,293 |
| Net interest margin | 3.7784% | 4,004 |
| Noninterest income to average assets | 0.3850% | 5,038 |
| Noninterest expense to average assets | 2.3469% | 6,231 |
| Loan and lease loss provision to assets | 0.1799% | 5,069 |
| Net operating income to assets | 1.2811% | 1,351 |
| Return on assets (ROA) | 1.6681% | 669 |
| Pretax return on assets | 1.6825% | 1,086 |
| Return on Equity (ROE) | 16.7533% | 601 |
| Retained earnings to average equity (ytd only) | 9.7798% | 897 |
| Net charge-offs to loans | 0.0379% | 5,836 |
| Credit loss provision to net charge-offs | 882.3529% | 426 |
| Earnings coverage of net charge-offs (x) | 72.1765% | 437 |
| Efficiency ratio | 61.4636% | 5,776 |
| Assets per employee ($millions) | 4.3254% | 3,168 |
| Cash dividends to net income (ytd only)* | 41.6247% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 4,798 |
| Loan loss allowance to noncurrent loans | 122,900.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 7,437 |
| Noncurrent loans to loans | 0.0011% | 7,346 |
| Net loans and leases to total assets | 54.3609% | 5,943 |
| Net loans and leases to deposits | 65.9186% | 5,815 |
| Net loans and leases to core deposits | 73.0001% | 5,555 |
| Total domestic deposits to total assets | 82.4668% | 4,795 |
| Equity capital to assets | 10.0497% | 3,957 |
| Core capital (leverage) ratio | 7.6216% | 6,706 |
| Tier 1 risk-based capital ratio | 11.2360% | 6,011 |
| Total risk-based capital ratio | 12.3543% | 6,117 |
| Memoranda: | ||
| Average total assets | $166,774,330 | 3,655 |
| Average earning assets | $151,547,330 | 3,682 |
| Average equity | $16,605,670 | 3,701 |
| Average total loans | $89,815,330 | 4,144 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1845% | 4,111 |
| Cost of funding earning assets | 1.3587% | 4,431 |
| Net interest margin | 3.8259% | 3,682 |
| Noninterest income to average assets | 0.3932% | 4,967 |
| Noninterest expense to average assets | 2.4364% | 5,961 |
| Loan and lease loss provision to assets | 0.1809% | 4,716 |
| Net operating income to assets | 1.2739% | 1,350 |
| Return on assets (ROA) | 1.7755% | 572 |
| Pretax return on assets | 1.7875% | 897 |
| Return on Equity (ROE) | 17.9163% | 521 |
| Retained earnings to average equity (ytd only) | 15.7011% | 358 |
| Net charge-offs to loans | 0.0816% | 4,602 |
| Credit loss provision to net charge-offs | 416.6667% | 990 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 799 |
| Efficiency ratio | 62.5000% | 5,732 |
| Assets per employee ($millions) | 4.2619% | 3,359 |
| Cash dividends to net income (ytd only)* | 12.3641% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 5,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 53.8396% | 6,042 |
| Net loans and leases to deposits | 64.8485% | 5,956 |
| Net loans and leases to core deposits | 72.6737% | 5,643 |
| Total domestic deposits to total assets | 83.0237% | 4,615 |
| Equity capital to assets | 10.0419% | 3,812 |
| Core capital (leverage) ratio | 7.5573% | 6,787 |
| Tier 1 risk-based capital ratio | 11.3242% | 5,836 |
| Total risk-based capital ratio | 12.3961% | 5,976 |
| Memoranda: | ||
| Average total assets | $165,816,000 | 3,735 |
| Average earning assets | $151,913,500 | 3,726 |
| Average equity | $16,432,000 | 3,756 |
| Average total loans | $88,257,500 | 4,248 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5277% | 4,004 |
| Cost of funding earning assets | 1.6702% | 4,672 |
| Net interest margin | 3.8575% | 3,448 |
| Noninterest income to average assets | 0.2979% | 5,968 |
| Noninterest expense to average assets | 2.3964% | 6,480 |
| Loan and lease loss provision to assets | 0.3561% | 4,665 |
| Net operating income to assets | 1.0579% | 1,637 |
| Return on assets (ROA) | 1.1793% | 1,345 |
| Pretax return on assets | 1.1929% | 1,972 |
| Return on Equity (ROE) | 12.3235% | 1,087 |
| Retained earnings to average equity (ytd only) | 5.6245% | 1,512 |
| Net charge-offs to loans | 0.3817% | 4,300 |
| Credit loss provision to net charge-offs | 178.0186% | 2,346 |
| Earnings coverage of net charge-offs (x) | 7.1300% | 2,212 |
| Efficiency ratio | 62.6863% | 6,024 |
| Assets per employee ($millions) | 4.2415% | 3,358 |
| Cash dividends to net income (ytd only)* | 54.3592% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 4,895 |
| Loan loss allowance to noncurrent loans | 1,660.6061% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 7,414 |
| Noncurrent loans to loans | 0.0769% | 7,227 |
| Net loans and leases to total assets | 51.2502% | 6,505 |
| Net loans and leases to deposits | 61.6659% | 6,499 |
| Net loans and leases to core deposits | 73.3181% | 6,574 |
| Total domestic deposits to total assets | 83.1095% | 4,475 |
| Equity capital to assets | 9.7770% | 4,035 |
| Core capital (leverage) ratio | 7.1574% | 7,104 |
| Tier 1 risk-based capital ratio | 11.3292% | 5,588 |
| Total risk-based capital ratio | 12.4056% | 5,725 |
| Memoranda: | ||
| Average total assets | $161,452,200 | 3,740 |
| Average earning assets | $147,530,800 | 3,753 |
| Average equity | $15,450,200 | 3,979 |
| Average total loans | $84,620,800 | 4,366 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5640% | 4,069 |
| Cost of funding earning assets | 1.7282% | 4,752 |
| Net interest margin | 3.8359% | 3,498 |
| Noninterest income to average assets | 0.3839% | 5,447 |
| Noninterest expense to average assets | 2.3091% | 6,677 |
| Loan and lease loss provision to assets | 0.1537% | 5,816 |
| Net operating income to assets | 1.4077% | 1,005 |
| Return on assets (ROA) | 1.4998% | 873 |
| Pretax return on assets | 1.5164% | 1,362 |
| Return on Equity (ROE) | 15.7609% | 685 |
| Retained earnings to average equity (ytd only) | 7.1601% | 1,443 |
| Net charge-offs to loans | 0.0047% | 6,907 |
| Credit loss provision to net charge-offs | 6,166.6667% | 64 |
| Earnings coverage of net charge-offs (x) | 632.6500% | 45 |
| Efficiency ratio | 59.4184% | 6,494 |
| Assets per employee ($millions) | 4.1897% | 3,394 |
| Cash dividends to net income (ytd only)* | 54.5705% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 4,903 |
| Loan loss allowance to noncurrent loans | 124.5146% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 6,207 |
| Noncurrent loans to loans | 0.9957% | 5,315 |
| Net loans and leases to total assets | 50.0196% | 6,779 |
| Net loans and leases to deposits | 59.8029% | 6,838 |
| Net loans and leases to core deposits | 69.8755% | 6,972 |
| Total domestic deposits to total assets | 83.6408% | 3,886 |
| Equity capital to assets | 9.8427% | 4,295 |
| Core capital (leverage) ratio | 7.1269% | 7,334 |
| Tier 1 risk-based capital ratio | 11.6131% | 5,324 |
| Total risk-based capital ratio | 12.6504% | 5,479 |
| Memoranda: | ||
| Average total assets | $160,460,750 | 3,787 |
| Average earning assets | $146,508,500 | 3,785 |
| Average equity | $15,269,500 | 4,054 |
| Average total loans | $84,307,750 | 4,412 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5762% | 4,183 |
| Cost of funding earning assets | 1.7754% | 4,881 |
| Net interest margin | 3.8008% | 3,550 |
| Noninterest income to average assets | 0.3913% | 5,366 |
| Noninterest expense to average assets | 2.3213% | 6,702 |
| Loan and lease loss provision to assets | 0.0752% | 6,438 |
| Net operating income to assets | 1.4521% | 928 |
| Return on assets (ROA) | 1.5663% | 790 |
| Pretax return on assets | 1.5814% | 1,246 |
| Return on Equity (ROE) | 16.6552% | 624 |
| Retained earnings to average equity (ytd only) | 6.2540% | 1,904 |
| Net charge-offs to loans | 0.0141% | 6,345 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 204.8333% | 203 |
| Efficiency ratio | 60.0974% | 6,536 |
| Assets per employee ($millions) | 4.3074% | 3,104 |
| Cash dividends to net income (ytd only)* | 62.4500% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 5,633 |
| Loan loss allowance to noncurrent loans | 166.9145% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 6,643 |
| Noncurrent loans to loans | 0.6564% | 5,944 |
| Net loans and leases to total assets | 49.5244% | 6,915 |
| Net loans and leases to deposits | 59.1961% | 6,948 |
| Net loans and leases to core deposits | 68.1273% | 7,112 |
| Total domestic deposits to total assets | 83.6615% | 3,937 |
| Equity capital to assets | 9.1196% | 5,142 |
| Core capital (leverage) ratio | 6.9889% | 7,548 |
| Tier 1 risk-based capital ratio | 11.2892% | 5,606 |
| Total risk-based capital ratio | 12.1995% | 5,871 |
| Memoranda: | ||
| Average total assets | $159,481,000 | 3,835 |
| Average earning assets | $145,655,000 | 3,830 |
| Average equity | $14,998,330 | 4,114 |
| Average total loans | $84,824,330 | 4,437 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6391% | 4,113 |
| Cost of funding earning assets | 1.8251% | 4,999 |
| Net interest margin | 3.8139% | 3,391 |
| Noninterest income to average assets | 0.3787% | 5,399 |
| Noninterest expense to average assets | 2.2366% | 6,735 |
| Loan and lease loss provision to assets | 0.0762% | 6,004 |
| Net operating income to assets | 1.5479% | 857 |
| Return on assets (ROA) | 1.5529% | 927 |
| Pretax return on assets | 1.5656% | 1,489 |
| Return on Equity (ROE) | 16.2565% | 784 |
| Retained earnings to average equity (ytd only) | 7.7158% | 1,920 |
| Net charge-offs to loans | 0.0232% | 5,233 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 128.8000% | 338 |
| Efficiency ratio | 57.7428% | 6,739 |
| Assets per employee ($millions) | 4.0114% | 3,639 |
| Cash dividends to net income (ytd only)* | 52.5368% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 5,920 |
| Loan loss allowance to noncurrent loans | 163.9623% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 6,502 |
| Noncurrent loans to loans | 0.6291% | 5,825 |
| Net loans and leases to total assets | 53.2954% | 6,553 |
| Net loans and leases to deposits | 64.6266% | 6,498 |
| Net loans and leases to core deposits | 76.0048% | 6,677 |
| Total domestic deposits to total assets | 82.4667% | 4,387 |
| Equity capital to assets | 9.8086% | 4,229 |
| Core capital (leverage) ratio | 7.0304% | 7,616 |
| Tier 1 risk-based capital ratio | 11.0918% | 5,818 |
| Total risk-based capital ratio | 11.9715% | 6,074 |
| Memoranda: | ||
| Average total assets | $157,381,000 | 3,874 |
| Average earning assets | $144,207,500 | 3,871 |
| Average equity | $15,034,000 | 4,137 |
| Average total loans | $86,256,500 | 4,415 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9269% | 5,914 |
| Cost of funding earning assets | 2.2659% | 5,308 |
| Net interest margin | 3.6609% | 4,640 |
| Noninterest income to average assets | 0.3558% | 5,884 |
| Noninterest expense to average assets | 2.3442% | 6,581 |
| Loan and lease loss provision to assets | 0.1029% | 6,063 |
| Net operating income to assets | 1.2408% | 1,652 |
| Return on assets (ROA) | 1.2408% | 1,596 |
| Pretax return on assets | 1.2574% | 2,455 |
| Return on Equity (ROE) | 14.0332% | 1,098 |
| Retained earnings to average equity (ytd only) | 7.4859% | 988 |
| Net charge-offs to loans | -0.2153% | 8,172 |
| Credit loss provision to net charge-offs | -89.5954% | 7,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2796% | 5,716 |
| Assets per employee ($millions) | 4.0594% | 3,392 |
| Cash dividends to net income (ytd only)* | 46.6560% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 6,366 |
| Loan loss allowance to noncurrent loans | 158.3490% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 6,261 |
| Noncurrent loans to loans | 0.6039% | 5,563 |
| Net loans and leases to total assets | 55.2196% | 6,528 |
| Net loans and leases to deposits | 67.0707% | 6,551 |
| Net loans and leases to core deposits | 81.4175% | 6,501 |
| Total domestic deposits to total assets | 82.3304% | 4,070 |
| Equity capital to assets | 9.2997% | 4,936 |
| Core capital (leverage) ratio | 6.9821% | 7,709 |
| Tier 1 risk-based capital ratio | 10.5312% | 6,179 |
| Total risk-based capital ratio | 11.3644% | 6,473 |
| Memoranda: | ||
| Average total assets | $150,626,800 | 3,887 |
| Average earning assets | $137,779,600 | 3,897 |
| Average equity | $13,318,400 | 4,493 |
| Average total loans | $80,346,200 | 4,506 |