Home > State Bank & Trust Co. > Performance and Condition Ratios
State Bank & Trust Co., 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 | 3.7179% | 4,258 |
| Cost of funding earning assets | 1.5039% | 1,933 |
| Net interest margin | 2.2140% | 4,308 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.6275% | 4,220 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.6763% | 3,250 |
| Return on assets (ROA) | 0.6763% | 3,231 |
| Pretax return on assets | 0.8658% | 3,051 |
| Return on Equity (ROE) | 10.2400% | 2,423 |
| Retained earnings to average equity (ytd only) | 2.2901% | 3,506 |
| Net charge-offs to loans | -0.0028% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.0213% | 2,351 |
| Assets per employee ($millions) | 9.6059% | 801 |
| Cash dividends to net income (ytd only)* | 77.6288% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 1,349 |
| Loan loss allowance to noncurrent loans | 770.2564% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 2,876 |
| Noncurrent loans to loans | 0.1834% | 2,597 |
| Net loans and leases to total assets | 51.9700% | 3,477 |
| Net loans and leases to deposits | 60.5774% | 3,489 |
| Net loans and leases to core deposits | 62.0008% | 3,681 |
| Total domestic deposits to total assets | 85.7900% | 2,074 |
| Equity capital to assets | 7.5549% | 3,683 |
| Core capital (leverage) ratio | 9.6468% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0285% | 1,269 |
| Memoranda: | ||
| Average total assets | $209,520,000 | 2,919 |
| Average earning assets | $199,815,000 | 2,874 |
| Average equity | $13,842,000 | 3,358 |
| Average total loans | $106,874,600 | 3,111 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6469% | 4,264 |
| Cost of funding earning assets | 1.4533% | 1,726 |
| Net interest margin | 2.1935% | 4,357 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.7011% | 4,123 |
| Loan and lease loss provision to assets | -0.1100% | 4,548 |
| Net operating income to assets | 0.6557% | 3,417 |
| Return on assets (ROA) | 0.6557% | 3,407 |
| Pretax return on assets | 0.8386% | 3,246 |
| Return on Equity (ROE) | 10.2800% | 2,565 |
| Retained earnings to average equity (ytd only) | 3.3598% | 3,427 |
| Net charge-offs to loans | -0.0037% | 3,684 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.1508% | 1,766 |
| Assets per employee ($millions) | 9.7594% | 728 |
| Cash dividends to net income (ytd only)* | 67.3077% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 1,562 |
| Loan loss allowance to noncurrent loans | 1,186.4407% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 3,237 |
| Noncurrent loans to loans | 0.1159% | 2,991 |
| Net loans and leases to total assets | 49.0000% | 3,686 |
| Net loans and leases to deposits | 55.2848% | 3,740 |
| Net loans and leases to core deposits | 56.6254% | 3,828 |
| Total domestic deposits to total assets | 88.6200% | 1,371 |
| Equity capital to assets | 6.4324% | 3,853 |
| Core capital (leverage) ratio | 9.5367% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1275% | 1,288 |
| Memoranda: | ||
| Average total assets | $211,469,000 | 2,911 |
| Average earning assets | $201,920,750 | 2,862 |
| Average equity | $13,492,500 | 3,375 |
| Average total loans | $107,010,000 | 3,103 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 4,287 |
| Cost of funding earning assets | 1.3787% | 1,510 |
| Net interest margin | 2.1840% | 4,435 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.8367% | 3,935 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.4943% | 3,824 |
| Return on assets (ROA) | 0.4943% | 3,830 |
| Pretax return on assets | 0.6235% | 3,751 |
| Return on Equity (ROE) | 7.7700% | 3,294 |
| Retained earnings to average equity (ytd only) | -1.0592% | 4,226 |
| Net charge-offs to loans | -0.0037% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.7237% | 1,196 |
| Assets per employee ($millions) | 10.5822% | 563 |
| Cash dividends to net income (ytd only)* | 113.6364% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,424 |
| Loan loss allowance to noncurrent loans | 1,267.7966% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,220 |
| Noncurrent loans to loans | 0.1126% | 2,917 |
| Net loans and leases to total assets | 48.8200% | 3,639 |
| Net loans and leases to deposits | 53.4353% | 3,779 |
| Net loans and leases to core deposits | 54.4133% | 3,878 |
| Total domestic deposits to total assets | 91.3500% | 540 |
| Equity capital to assets | 6.4477% | 4,012 |
| Core capital (leverage) ratio | 9.3032% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6379% | 1,397 |
| Memoranda: | ||
| Average total assets | $213,643,000 | 2,901 |
| Average earning assets | $204,391,667 | 2,860 |
| Average equity | $13,595,667 | 3,387 |
| Average total loans | $108,741,333 | 3,067 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4986% | 4,270 |
| Cost of funding earning assets | 1.2963% | 1,232 |
| Net interest margin | 2.2022% | 4,497 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.2598% | 4,558 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8423% | 3,042 |
| Return on assets (ROA) | 0.8423% | 3,000 |
| Pretax return on assets | 1.0846% | 2,751 |
| Return on Equity (ROE) | 13.3200% | 1,921 |
| Retained earnings to average equity (ytd only) | 4.4803% | 3,135 |
| Net charge-offs to loans | -0.0036% | 3,559 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.2008% | 3,760 |
| Assets per employee ($millions) | 10.6874% | 568 |
| Cash dividends to net income (ytd only)* | 66.3717% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 1,474 |
| Loan loss allowance to noncurrent loans | 375.6501% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 2,154 |
| Noncurrent loans to loans | 0.3822% | 1,785 |
| Net loans and leases to total assets | 51.0300% | 3,417 |
| Net loans and leases to deposits | 57.1908% | 3,494 |
| Net loans and leases to core deposits | 58.0750% | 3,626 |
| Total domestic deposits to total assets | 89.2300% | 1,454 |
| Equity capital to assets | 6.6443% | 3,983 |
| Core capital (leverage) ratio | 9.1013% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1496% | 1,584 |
| Memoranda: | ||
| Average total assets | $214,643,000 | 2,945 |
| Average earning assets | $204,883,000 | 2,896 |
| Average equity | $13,570,500 | 3,431 |
| Average total loans | $110,707,000 | 3,092 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1030% | 3,985 |
| Cost of funding earning assets | 0.4615% | 1,641 |
| Net interest margin | 2.6415% | 4,122 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.3267% | 4,549 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.1802% | 1,860 |
| Return on assets (ROA) | 1.1802% | 1,789 |
| Pretax return on assets | 1.5939% | 1,181 |
| Return on Equity (ROE) | 17.4800% | 784 |
| Retained earnings to average equity (ytd only) | 7.9268% | 1,865 |
| Net charge-offs to loans | 0.0046% | 2,272 |
| Credit loss provision to net charge-offs | -500.0000% | 4,631 |
| Earnings coverage of net charge-offs (x) | 687.0000% | 259 |
| Efficiency ratio | 45.6057% | 4,366 |
| Assets per employee ($millions) | 10.7769% | 534 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 1,588 |
| Loan loss allowance to noncurrent loans | 1,289.8305% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,257 |
| Noncurrent loans to loans | 0.1066% | 3,001 |
| Net loans and leases to total assets | 50.6700% | 3,458 |
| Net loans and leases to deposits | 59.3484% | 3,374 |
| Net loans and leases to core deposits | 60.0331% | 3,504 |
| Total domestic deposits to total assets | 85.3800% | 2,888 |
| Equity capital to assets | 6.0031% | 4,088 |
| Core capital (leverage) ratio | 9.1324% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7057% | 1,732 |
| Memoranda: | ||
| Average total assets | $217,082,400 | 2,928 |
| Average earning assets | $207,605,600 | 2,879 |
| Average equity | $14,659,200 | 3,398 |
| Average total loans | $108,678,400 | 3,038 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0046% | 3,880 |
| Cost of funding earning assets | 0.2918% | 2,258 |
| Net interest margin | 2.7128% | 3,903 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.3335% | 4,558 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.2262% | 1,604 |
| Return on assets (ROA) | 1.2262% | 1,575 |
| Pretax return on assets | 1.6725% | 956 |
| Return on Equity (ROE) | 17.6700% | 689 |
| Retained earnings to average equity (ytd only) | 8.3943% | 1,852 |
| Net charge-offs to loans | 0.0086% | 1,815 |
| Credit loss provision to net charge-offs | -500.0000% | 4,695 |
| Earnings coverage of net charge-offs (x) | 384.7143% | 396 |
| Efficiency ratio | 44.6795% | 4,439 |
| Assets per employee ($millions) | 10.6476% | 547 |
| Cash dividends to net income (ytd only)* | 52.5000% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 1,673 |
| Loan loss allowance to noncurrent loans | 1,041.3793% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 3,212 |
| Noncurrent loans to loans | 0.1325% | 2,974 |
| Net loans and leases to total assets | 50.6900% | 3,405 |
| Net loans and leases to deposits | 57.2328% | 3,390 |
| Net loans and leases to core deposits | 57.8804% | 3,509 |
| Total domestic deposits to total assets | 88.5700% | 2,253 |
| Equity capital to assets | 5.5332% | 4,120 |
| Core capital (leverage) ratio | 8.8401% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9083% | 1,735 |
| Memoranda: | ||
| Average total assets | $217,468,500 | 2,947 |
| Average earning assets | $208,341,750 | 2,893 |
| Average equity | $15,089,250 | 3,400 |
| Average total loans | $108,161,750 | 3,059 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8930% | 3,803 |
| Cost of funding earning assets | 0.2131% | 2,729 |
| Net interest margin | 2.6799% | 3,745 |
| Noninterest income to average assets | 0.3425% | 3,103 |
| Noninterest expense to average assets | 1.2951% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1609% | 1,566 |
| Return on assets (ROA) | 1.1609% | 1,544 |
| Pretax return on assets | 1.6203% | 899 |
| Return on Equity (ROE) | 15.6998% | 756 |
| Retained earnings to average equity (ytd only) | 7.0532% | 1,974 |
| Net charge-offs to loans | 0.0130% | 1,526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 253.4286% | 467 |
| Efficiency ratio | 44.4236% | 4,510 |
| Assets per employee ($millions) | 11.3139% | 457 |
| Cash dividends to net income (ytd only)* | 55.0747% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 1,614 |
| Loan loss allowance to noncurrent loans | 977.2152% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,270 |
| Noncurrent loans to loans | 0.1469% | 2,964 |
| Net loans and leases to total assets | 46.8625% | 3,641 |
| Net loans and leases to deposits | 51.7327% | 3,705 |
| Net loans and leases to core deposits | 52.2702% | 3,802 |
| Total domestic deposits to total assets | 90.5859% | 1,420 |
| Equity capital to assets | 6.1151% | 4,172 |
| Core capital (leverage) ratio | 8.6057% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8544% | 1,749 |
| Memoranda: | ||
| Average total assets | $218,974,000 | 2,957 |
| Average earning assets | $210,235,000 | 2,919 |
| Average equity | $16,191,333 | 3,392 |
| Average total loans | $107,731,000 | 3,098 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8937% | 3,553 |
| Cost of funding earning assets | 0.1711% | 3,204 |
| Net interest margin | 2.7226% | 3,359 |
| Noninterest income to average assets | 0.3362% | 3,079 |
| Noninterest expense to average assets | 1.2558% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3152% | 969 |
| Return on assets (ROA) | 1.3152% | 955 |
| Pretax return on assets | 1.7109% | 668 |
| Return on Equity (ROE) | 16.3054% | 505 |
| Retained earnings to average equity (ytd only) | 8.2448% | 1,505 |
| Net charge-offs to loans | 0.0037% | 1,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 921.0000% | 96 |
| Efficiency ratio | 42.3294% | 4,600 |
| Assets per employee ($millions) | 11.0890% | 495 |
| Cash dividends to net income (ytd only)* | 49.4350% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 1,757 |
| Loan loss allowance to noncurrent loans | 368.1710% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 2,492 |
| Noncurrent loans to loans | 0.3914% | 2,083 |
| Net loans and leases to total assets | 47.7967% | 3,405 |
| Net loans and leases to deposits | 53.4953% | 3,459 |
| Net loans and leases to core deposits | 54.0694% | 3,584 |
| Total domestic deposits to total assets | 89.3475% | 1,904 |
| Equity capital to assets | 7.0507% | 4,190 |
| Core capital (leverage) ratio | 8.8920% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7576% | 1,895 |
| Memoranda: | ||
| Average total assets | $215,322,500 | 2,999 |
| Average earning assets | $208,038,000 | 2,939 |
| Average equity | $17,368,500 | 3,370 |
| Average total loans | $107,805,000 | 3,088 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9879% | 3,895 |
| Cost of funding earning assets | 0.2124% | 3,343 |
| Net interest margin | 2.7755% | 3,721 |
| Noninterest income to average assets | 0.3502% | 3,339 |
| Noninterest expense to average assets | 1.2850% | 4,686 |
| Loan and lease loss provision to assets | -0.3531% | 4,795 |
| Net operating income to assets | 1.5897% | 839 |
| Return on assets (ROA) | 1.5897% | 870 |
| Pretax return on assets | 2.0664% | 536 |
| Return on Equity (ROE) | 17.9695% | 471 |
| Retained earnings to average equity (ytd only) | 14.4493% | 272 |
| Net charge-offs to loans | -0.2372% | 4,728 |
| Credit loss provision to net charge-offs | 279.1667% | 1,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8571% | 4,611 |
| Assets per employee ($millions) | 10.4433% | 590 |
| Cash dividends to net income (ytd only)* | 19.5901% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,780 |
| Loan loss allowance to noncurrent loans | 316.7347% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 1,870 |
| Noncurrent loans to loans | 0.4535% | 2,001 |
| Net loans and leases to total assets | 50.9920% | 3,176 |
| Net loans and leases to deposits | 60.0167% | 3,068 |
| Net loans and leases to core deposits | 60.7344% | 3,262 |
| Total domestic deposits to total assets | 84.9631% | 3,281 |
| Equity capital to assets | 9.1446% | 3,464 |
| Core capital (leverage) ratio | 9.0834% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2118% | 1,771 |
| Memoranda: | ||
| Average total assets | $208,720,000 | 2,998 |
| Average earning assets | $199,134,800 | 2,960 |
| Average equity | $18,464,600 | 3,350 |
| Average total loans | $111,302,800 | 3,058 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0133% | 3,977 |
| Cost of funding earning assets | 0.2195% | 3,429 |
| Net interest margin | 2.7938% | 3,795 |
| Noninterest income to average assets | 0.3508% | 3,355 |
| Noninterest expense to average assets | 1.2676% | 4,769 |
| Loan and lease loss provision to assets | -0.4519% | 4,872 |
| Net operating income to assets | 1.6797% | 866 |
| Return on assets (ROA) | 1.6797% | 911 |
| Pretax return on assets | 2.1864% | 563 |
| Return on Equity (ROE) | 19.1483% | 498 |
| Retained earnings to average equity (ytd only) | 15.1424% | 378 |
| Net charge-offs to loans | -0.3116% | 4,808 |
| Credit loss provision to net charge-offs | 269.8473% | 1,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2217% | 4,654 |
| Assets per employee ($millions) | 10.8376% | 502 |
| Cash dividends to net income (ytd only)* | 20.9205% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 1,832 |
| Loan loss allowance to noncurrent loans | 317.9074% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 2,048 |
| Noncurrent loans to loans | 0.4547% | 2,201 |
| Net loans and leases to total assets | 52.3090% | 3,172 |
| Net loans and leases to deposits | 59.8839% | 3,238 |
| Net loans and leases to core deposits | 61.1983% | 3,388 |
| Total domestic deposits to total assets | 87.3506% | 2,187 |
| Equity capital to assets | 9.2888% | 3,570 |
| Core capital (leverage) ratio | 8.7422% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9811% | 1,975 |
| Memoranda: | ||
| Average total assets | $208,683,500 | 3,029 |
| Average earning assets | $198,051,500 | 3,004 |
| Average equity | $18,305,750 | 3,403 |
| Average total loans | $112,114,250 | 3,085 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9042% | 4,218 |
| Cost of funding earning assets | 0.2208% | 3,554 |
| Net interest margin | 2.6834% | 4,014 |
| Noninterest income to average assets | 0.3578% | 3,318 |
| Noninterest expense to average assets | 1.3015% | 4,788 |
| Loan and lease loss provision to assets | -0.6746% | 4,933 |
| Net operating income to assets | 1.7509% | 799 |
| Return on assets (ROA) | 1.7509% | 846 |
| Pretax return on assets | 2.2824% | 499 |
| Return on Equity (ROE) | 20.3527% | 428 |
| Retained earnings to average equity (ytd only) | 15.3616% | 387 |
| Net charge-offs to loans | -0.4635% | 4,870 |
| Credit loss provision to net charge-offs | 269.8473% | 938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7360% | 4,582 |
| Assets per employee ($millions) | 10.2985% | 562 |
| Cash dividends to net income (ytd only)* | 24.5232% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 1,841 |
| Loan loss allowance to noncurrent loans | 447.5921% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 2,614 |
| Noncurrent loans to loans | 0.3201% | 2,770 |
| Net loans and leases to total assets | 50.2555% | 3,536 |
| Net loans and leases to deposits | 56.5969% | 3,673 |
| Net loans and leases to core deposits | 57.9105% | 3,761 |
| Total domestic deposits to total assets | 88.7954% | 1,390 |
| Equity capital to assets | 8.6083% | 4,123 |
| Core capital (leverage) ratio | 8.2966% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,606,333 | 3,016 |
| Average earning assets | $199,298,333 | 2,986 |
| Average equity | $18,032,000 | 3,423 |
| Average total loans | $113,055,000 | 3,079 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9325% | 4,210 |
| Cost of funding earning assets | 0.2256% | 3,673 |
| Net interest margin | 2.7069% | 3,954 |
| Noninterest income to average assets | 0.3723% | 3,234 |
| Noninterest expense to average assets | 1.3012% | 4,820 |
| Loan and lease loss provision to assets | -1.0995% | 4,959 |
| Net operating income to assets | 2.0904% | 500 |
| Return on assets (ROA) | 2.0904% | 539 |
| Pretax return on assets | 2.7303% | 328 |
| Return on Equity (ROE) | 24.3073% | 283 |
| Retained earnings to average equity (ytd only) | 16.4153% | 474 |
| Net charge-offs to loans | -0.9157% | 4,913 |
| Credit loss provision to net charge-offs | 216.4122% | 868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3783% | 4,559 |
| Assets per employee ($millions) | 10.7796% | 477 |
| Cash dividends to net income (ytd only)* | 32.4675% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,571 |
| Loan loss allowance to noncurrent loans | 966.2921% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 3,246 |
| Noncurrent loans to loans | 0.1563% | 3,550 |
| Net loans and leases to total assets | 52.0214% | 3,450 |
| Net loans and leases to deposits | 58.7711% | 3,581 |
| Net loans and leases to core deposits | 60.1423% | 3,689 |
| Total domestic deposits to total assets | 88.5153% | 1,599 |
| Equity capital to assets | 8.2809% | 4,293 |
| Core capital (leverage) ratio | 8.4061% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,275,000 | 3,032 |
| Average earning assets | $195,056,000 | 3,017 |
| Average equity | $17,739,500 | 3,449 |
| Average total loans | $114,449,000 | 3,070 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5614% | 3,903 |
| Cost of funding earning assets | 0.3834% | 3,686 |
| Net interest margin | 3.1780% | 3,414 |
| Noninterest income to average assets | 0.4836% | 2,706 |
| Noninterest expense to average assets | 1.5832% | 4,719 |
| Loan and lease loss provision to assets | 0.0619% | 3,599 |
| Net operating income to assets | 1.4469% | 924 |
| Return on assets (ROA) | 1.4469% | 1,005 |
| Pretax return on assets | 1.8625% | 596 |
| Return on Equity (ROE) | 15.4564% | 570 |
| Retained earnings to average equity (ytd only) | 7.9988% | 1,053 |
| Net charge-offs to loans | 0.0221% | 2,611 |
| Credit loss provision to net charge-offs | 440.0000% | 1,350 |
| Earnings coverage of net charge-offs (x) | 136.7200% | 622 |
| Efficiency ratio | 45.1364% | 4,752 |
| Assets per employee ($millions) | 9.3790% | 655 |
| Cash dividends to net income (ytd only)* | 48.2490% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 931 |
| Loan loss allowance to noncurrent loans | 137.6615% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.8575% | 1,172 |
| Noncurrent loans to loans | 1.2789% | 1,069 |
| Net loans and leases to total assets | 57.3721% | 3,156 |
| Net loans and leases to deposits | 65.8675% | 3,282 |
| Net loans and leases to core deposits | 68.4038% | 3,383 |
| Total domestic deposits to total assets | 87.1023% | 1,888 |
| Equity capital to assets | 8.9491% | 4,104 |
| Core capital (leverage) ratio | 8.4635% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,615,400 | 3,121 |
| Average earning assets | $169,007,400 | 3,081 |
| Average equity | $16,627,400 | 3,489 |
| Average total loans | $113,266,800 | 3,050 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 3,816 |
| Cost of funding earning assets | 0.4234% | 3,680 |
| Net interest margin | 3.2683% | 3,288 |
| Noninterest income to average assets | 0.4707% | 2,740 |
| Noninterest expense to average assets | 1.6444% | 4,685 |
| Loan and lease loss provision to assets | 0.1233% | 2,790 |
| Net operating income to assets | 1.4183% | 1,062 |
| Return on assets (ROA) | 1.4183% | 1,151 |
| Pretax return on assets | 1.8242% | 750 |
| Return on Equity (ROE) | 14.9630% | 693 |
| Retained earnings to average equity (ytd only) | 7.7176% | 1,409 |
| Net charge-offs to loans | 0.0295% | 2,242 |
| Credit loss provision to net charge-offs | 640.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 100.9600% | 784 |
| Efficiency ratio | 45.7787% | 4,724 |
| Assets per employee ($millions) | 8.4232% | 870 |
| Cash dividends to net income (ytd only)* | 48.4222% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 837 |
| Loan loss allowance to noncurrent loans | 129.0423% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 1,135 |
| Noncurrent loans to loans | 1.3417% | 1,096 |
| Net loans and leases to total assets | 63.5567% | 2,819 |
| Net loans and leases to deposits | 72.0269% | 3,125 |
| Net loans and leases to core deposits | 75.9636% | 3,168 |
| Total domestic deposits to total assets | 88.2402% | 1,093 |
| Equity capital to assets | 9.2693% | 3,888 |
| Core capital (leverage) ratio | 8.8726% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,779,750 | 3,156 |
| Average earning assets | $165,014,500 | 3,103 |
| Average equity | $16,377,750 | 3,518 |
| Average total loans | $112,827,500 | 3,067 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 3,965 |
| Cost of funding earning assets | 0.4829% | 3,636 |
| Net interest margin | 3.2789% | 3,440 |
| Noninterest income to average assets | 0.4923% | 2,608 |
| Noninterest expense to average assets | 1.6441% | 4,741 |
| Loan and lease loss provision to assets | 0.1898% | 2,126 |
| Net operating income to assets | 1.4092% | 1,096 |
| Return on assets (ROA) | 1.4092% | 1,186 |
| Pretax return on assets | 1.8078% | 802 |
| Return on Equity (ROE) | 14.7474% | 747 |
| Retained earnings to average equity (ytd only) | 8.0440% | 1,288 |
| Net charge-offs to loans | 0.0561% | 1,695 |
| Credit loss provision to net charge-offs | 516.1290% | 1,208 |
| Earnings coverage of net charge-offs (x) | 54.3226% | 1,045 |
| Efficiency ratio | 45.1466% | 4,768 |
| Assets per employee ($millions) | 7.9836% | 972 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 773 |
| Loan loss allowance to noncurrent loans | 106.4848% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.1769% | 934 |
| Noncurrent loans to loans | 1.6233% | 903 |
| Net loans and leases to total assets | 64.0593% | 2,872 |
| Net loans and leases to deposits | 73.3294% | 3,135 |
| Net loans and leases to core deposits | 77.4066% | 3,159 |
| Total domestic deposits to total assets | 87.3583% | 1,469 |
| Equity capital to assets | 9.1797% | 3,945 |
| Core capital (leverage) ratio | 8.8211% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,603,000 | 3,169 |
| Average earning assets | $161,945,333 | 3,117 |
| Average equity | $16,111,333 | 3,542 |
| Average total loans | $110,486,000 | 3,093 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8767% | 4,083 |
| Cost of funding earning assets | 0.6409% | 3,218 |
| Net interest margin | 3.2357% | 3,765 |
| Noninterest income to average assets | 0.5487% | 2,289 |
| Noninterest expense to average assets | 1.7778% | 4,692 |
| Loan and lease loss provision to assets | 0.5214% | 560 |
| Net operating income to assets | 1.0727% | 1,927 |
| Return on assets (ROA) | 1.0727% | 2,030 |
| Pretax return on assets | 1.3582% | 1,694 |
| Return on Equity (ROE) | 10.9791% | 1,417 |
| Retained earnings to average equity (ytd only) | 4.8796% | 2,332 |
| Net charge-offs to loans | 0.0604% | 1,406 |
| Credit loss provision to net charge-offs | 1,312.5000% | 475 |
| Earnings coverage of net charge-offs (x) | 47.3125% | 936 |
| Efficiency ratio | 48.6083% | 4,729 |
| Assets per employee ($millions) | 7.4064% | 930 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9706% | 526 |
| Loan loss allowance to noncurrent loans | 104.4542% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.3876% | 815 |
| Noncurrent loans to loans | 1.8866% | 779 |
| Net loans and leases to total assets | 65.1500% | 2,917 |
| Net loans and leases to deposits | 74.5467% | 3,214 |
| Net loans and leases to core deposits | 80.0036% | 3,195 |
| Total domestic deposits to total assets | 87.3948% | 1,385 |
| Equity capital to assets | 9.7686% | 3,984 |
| Core capital (leverage) ratio | 9.5322% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,093,500 | 3,202 |
| Average earning assets | $154,772,500 | 3,146 |
| Average equity | $15,739,000 | 3,582 |
| Average total loans | $105,881,000 | 3,144 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 4,003 |
| Cost of funding earning assets | 0.8709% | 2,328 |
| Net interest margin | 3.2469% | 4,088 |
| Noninterest income to average assets | 0.5043% | 2,710 |
| Noninterest expense to average assets | 1.6293% | 4,931 |
| Loan and lease loss provision to assets | 0.3760% | 394 |
| Net operating income to assets | 1.2754% | 1,789 |
| Return on assets (ROA) | 1.2754% | 1,866 |
| Pretax return on assets | 1.6176% | 1,435 |
| Return on Equity (ROE) | 11.4080% | 1,728 |
| Retained earnings to average equity (ytd only) | -19.5684% | 5,135 |
| Net charge-offs to loans | 0.3743% | 533 |
| Credit loss provision to net charge-offs | 159.6859% | 1,615 |
| Earnings coverage of net charge-offs (x) | 8.4660% | 2,771 |
| Efficiency ratio | 44.9719% | 4,946 |
| Assets per employee ($millions) | 7.9623% | 726 |
| Cash dividends to net income (ytd only)* | 271.5321% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8739% | 583 |
| Loan loss allowance to noncurrent loans | 150.0774% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 1.0631% | 1,166 |
| Noncurrent loans to loans | 1.2486% | 1,203 |
| Net loans and leases to total assets | 63.7586% | 3,232 |
| Net loans and leases to deposits | 73.0443% | 3,433 |
| Net loans and leases to core deposits | 78.5446% | 3,413 |
| Total domestic deposits to total assets | 87.2876% | 1,460 |
| Equity capital to assets | 9.7717% | 4,131 |
| Core capital (leverage) ratio | 9.5448% | 4,015 |
| Tier 1 risk-based capital ratio | 12.1961% | 4,246 |
| Total risk-based capital ratio | 13.4507% | 4,125 |
| Memoranda: | ||
| Average total assets | $162,220,400 | 3,184 |
| Average earning assets | $155,811,200 | 3,125 |
| Average equity | $18,136,400 | 3,325 |
| Average total loans | $102,065,000 | 3,202 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 4,089 |
| Cost of funding earning assets | 0.8922% | 2,267 |
| Net interest margin | 3.2371% | 4,220 |
| Noninterest income to average assets | 0.4721% | 2,890 |
| Noninterest expense to average assets | 1.5979% | 5,004 |
| Loan and lease loss provision to assets | 0.2536% | 635 |
| Net operating income to assets | 1.3639% | 1,598 |
| Return on assets (ROA) | 1.3639% | 1,667 |
| Pretax return on assets | 1.7345% | 1,235 |
| Return on Equity (ROE) | 11.8348% | 1,675 |
| Retained earnings to average equity (ytd only) | -1.7820% | 4,911 |
| Net charge-offs to loans | 0.4064% | 410 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 7.8388% | 2,709 |
| Efficiency ratio | 44.5585% | 4,987 |
| Assets per employee ($millions) | 7.6222% | 804 |
| Cash dividends to net income (ytd only)* | 115.0571% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6632% | 876 |
| Loan loss allowance to noncurrent loans | 156.4899% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.8197% | 1,687 |
| Noncurrent loans to loans | 1.0628% | 1,502 |
| Net loans and leases to total assets | 63.2364% | 3,359 |
| Net loans and leases to deposits | 73.9555% | 3,479 |
| Net loans and leases to core deposits | 80.8731% | 3,320 |
| Total domestic deposits to total assets | 85.5060% | 2,204 |
| Equity capital to assets | 11.8058% | 2,415 |
| Core capital (leverage) ratio | 11.4384% | 2,270 |
| Tier 1 risk-based capital ratio | 14.6854% | 2,994 |
| Total risk-based capital ratio | 15.9375% | 2,918 |
| Memoranda: | ||
| Average total assets | $162,964,000 | 3,212 |
| Average earning assets | $156,761,250 | 3,149 |
| Average equity | $18,780,250 | 3,271 |
| Average total loans | $101,713,250 | 3,244 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0874% | 4,195 |
| Cost of funding earning assets | 0.8941% | 2,175 |
| Net interest margin | 3.1933% | 4,380 |
| Noninterest income to average assets | 0.4758% | 2,810 |
| Noninterest expense to average assets | 1.5690% | 5,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5555% | 999 |
| Return on assets (ROA) | 1.5555% | 1,040 |
| Pretax return on assets | 1.9874% | 690 |
| Return on Equity (ROE) | 13.6063% | 1,074 |
| Retained earnings to average equity (ytd only) | 0.0747% | 4,669 |
| Net charge-offs to loans | -0.0020% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1166% | 5,062 |
| Assets per employee ($millions) | 7.8090% | 717 |
| Cash dividends to net income (ytd only)* | 99.4510% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6511% | 919 |
| Loan loss allowance to noncurrent loans | 66.5113% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.7026% | 617 |
| Noncurrent loans to loans | 2.4825% | 485 |
| Net loans and leases to total assets | 62.1840% | 3,525 |
| Net loans and leases to deposits | 72.7105% | 3,621 |
| Net loans and leases to core deposits | 79.3135% | 3,478 |
| Total domestic deposits to total assets | 85.5228% | 2,254 |
| Equity capital to assets | 11.6429% | 2,493 |
| Core capital (leverage) ratio | 11.4861% | 2,180 |
| Tier 1 risk-based capital ratio | 14.6352% | 3,003 |
| Total risk-based capital ratio | 15.8870% | 2,927 |
| Memoranda: | ||
| Average total assets | $163,930,000 | 3,207 |
| Average earning assets | $158,142,670 | 3,150 |
| Average equity | $18,741,330 | 3,276 |
| Average total loans | $101,307,000 | 3,272 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 4,251 |
| Cost of funding earning assets | 0.8699% | 2,155 |
| Net interest margin | 3.1853% | 4,418 |
| Noninterest income to average assets | 0.4320% | 2,959 |
| Noninterest expense to average assets | 1.5692% | 5,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5131% | 1,080 |
| Return on assets (ROA) | 1.5131% | 1,108 |
| Pretax return on assets | 1.9280% | 748 |
| Return on Equity (ROE) | 13.3581% | 1,124 |
| Retained earnings to average equity (ytd only) | -0.6033% | 4,606 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8709% | 5,073 |
| Assets per employee ($millions) | 8.2414% | 615 |
| Cash dividends to net income (ytd only)* | 104.5161% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 907 |
| Loan loss allowance to noncurrent loans | 66.5113% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.7103% | 641 |
| Noncurrent loans to loans | 2.5206% | 515 |
| Net loans and leases to total assets | 60.9160% | 3,610 |
| Net loans and leases to deposits | 71.7150% | 3,623 |
| Net loans and leases to core deposits | 79.2877% | 3,424 |
| Total domestic deposits to total assets | 84.9418% | 2,699 |
| Equity capital to assets | 11.3841% | 2,497 |
| Core capital (leverage) ratio | 11.4607% | 2,158 |
| Tier 1 risk-based capital ratio | 14.6296% | 3,049 |
| Total risk-based capital ratio | 15.8816% | 2,969 |
| Memoranda: | ||
| Average total assets | $163,900,500 | 3,255 |
| Average earning assets | $157,724,500 | 3,184 |
| Average equity | $18,565,500 | 3,303 |
| Average total loans | $100,117,000 | 3,326 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 4,324 |
| Cost of funding earning assets | 0.6521% | 2,378 |
| Net interest margin | 3.2240% | 4,436 |
| Noninterest income to average assets | 0.5481% | 2,554 |
| Noninterest expense to average assets | 1.5992% | 5,169 |
| Loan and lease loss provision to assets | 0.0626% | 2,905 |
| Net operating income to assets | 1.5669% | 954 |
| Return on assets (ROA) | 1.5669% | 944 |
| Pretax return on assets | 1.9948% | 569 |
| Return on Equity (ROE) | 13.8113% | 1,091 |
| Retained earnings to average equity (ytd only) | 1.6888% | 4,469 |
| Net charge-offs to loans | 0.1520% | 1,257 |
| Credit loss provision to net charge-offs | 68.2432% | 3,015 |
| Earnings coverage of net charge-offs (x) | 22.4189% | 1,902 |
| Efficiency ratio | 43.7341% | 5,189 |
| Assets per employee ($millions) | 8.5776% | 538 |
| Cash dividends to net income (ytd only)* | 87.7721% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7449% | 766 |
| Loan loss allowance to noncurrent loans | 75.5516% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5407% | 751 |
| Noncurrent loans to loans | 2.3095% | 545 |
| Net loans and leases to total assets | 59.1530% | 3,852 |
| Net loans and leases to deposits | 69.8605% | 3,840 |
| Net loans and leases to core deposits | 76.1305% | 3,705 |
| Total domestic deposits to total assets | 84.6730% | 2,776 |
| Equity capital to assets | 11.2699% | 2,451 |
| Core capital (leverage) ratio | 11.7681% | 1,899 |
| Tier 1 risk-based capital ratio | 14.9255% | 2,860 |
| Total risk-based capital ratio | 16.1770% | 2,789 |
| Memoranda: | ||
| Average total assets | $161,270,800 | 3,259 |
| Average earning assets | $155,489,000 | 3,179 |
| Average equity | $18,296,600 | 3,265 |
| Average total loans | $97,369,200 | 3,350 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 4,356 |
| Cost of funding earning assets | 0.6096% | 2,409 |
| Net interest margin | 3.2257% | 4,467 |
| Noninterest income to average assets | 0.5380% | 2,626 |
| Noninterest expense to average assets | 1.5891% | 5,216 |
| Loan and lease loss provision to assets | 0.0837% | 2,290 |
| Net operating income to assets | 1.5567% | 1,054 |
| Return on assets (ROA) | 1.5567% | 1,056 |
| Pretax return on assets | 1.9795% | 654 |
| Return on Equity (ROE) | 13.6985% | 1,203 |
| Retained earnings to average equity (ytd only) | 1.7360% | 4,662 |
| Net charge-offs to loans | 0.1331% | 1,212 |
| Credit loss provision to net charge-offs | 104.1237% | 2,198 |
| Earnings coverage of net charge-offs (x) | 25.6598% | 1,765 |
| Efficiency ratio | 43.5089% | 5,232 |
| Assets per employee ($millions) | 7.8803% | 682 |
| Cash dividends to net income (ytd only)* | 87.3268% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8057% | 720 |
| Loan loss allowance to noncurrent loans | 66.7803% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.7170% | 704 |
| Noncurrent loans to loans | 2.7039% | 452 |
| Net loans and leases to total assets | 60.8318% | 3,761 |
| Net loans and leases to deposits | 72.0121% | 3,766 |
| Net loans and leases to core deposits | 78.9801% | 3,570 |
| Total domestic deposits to total assets | 84.4745% | 2,794 |
| Equity capital to assets | 11.4463% | 2,304 |
| Core capital (leverage) ratio | 11.5419% | 2,142 |
| Tier 1 risk-based capital ratio | 15.1474% | 2,817 |
| Total risk-based capital ratio | 16.4005% | 2,734 |
| Memoranda: | ||
| Average total assets | $160,845,000 | 3,289 |
| Average earning assets | $155,290,000 | 3,213 |
| Average equity | $18,279,000 | 3,285 |
| Average total loans | $97,182,500 | 3,383 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 4,489 |
| Cost of funding earning assets | 0.5665% | 2,459 |
| Net interest margin | 3.1741% | 4,565 |
| Noninterest income to average assets | 0.5398% | 2,635 |
| Noninterest expense to average assets | 1.5587% | 5,299 |
| Loan and lease loss provision to assets | 0.0012% | 3,774 |
| Net operating income to assets | 1.6057% | 910 |
| Return on assets (ROA) | 1.6057% | 916 |
| Pretax return on assets | 2.0454% | 550 |
| Return on Equity (ROE) | 14.1622% | 1,039 |
| Retained earnings to average equity (ytd only) | 3.3772% | 3,890 |
| Net charge-offs to loans | 0.0124% | 2,722 |
| Credit loss provision to net charge-offs | 16.6667% | 2,706 |
| Earnings coverage of net charge-offs (x) | 276.1667% | 323 |
| Efficiency ratio | 43.2340% | 5,304 |
| Assets per employee ($millions) | 8.2243% | 579 |
| Cash dividends to net income (ytd only)* | 76.1538% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8180% | 726 |
| Loan loss allowance to noncurrent loans | 62.0007% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.7600% | 678 |
| Noncurrent loans to loans | 2.9322% | 394 |
| Net loans and leases to total assets | 57.5907% | 4,032 |
| Net loans and leases to deposits | 66.4539% | 4,144 |
| Net loans and leases to core deposits | 73.1643% | 3,931 |
| Total domestic deposits to total assets | 86.6626% | 1,989 |
| Equity capital to assets | 11.1117% | 2,534 |
| Core capital (leverage) ratio | 11.3620% | 2,192 |
| Tier 1 risk-based capital ratio | 15.0696% | 2,838 |
| Total risk-based capital ratio | 16.3220% | 2,766 |
| Memoranda: | ||
| Average total assets | $161,925,000 | 3,300 |
| Average earning assets | $156,391,330 | 3,218 |
| Average equity | $18,358,670 | 3,294 |
| Average total loans | $97,031,000 | 3,391 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7113% | 4,446 |
| Cost of funding earning assets | 0.5269% | 2,573 |
| Net interest margin | 3.1844% | 4,520 |
| Noninterest income to average assets | 0.5553% | 2,497 |
| Noninterest expense to average assets | 1.5612% | 5,346 |
| Loan and lease loss provision to assets | 0.0050% | 3,443 |
| Net operating income to assets | 1.6160% | 824 |
| Return on assets (ROA) | 1.6160% | 826 |
| Pretax return on assets | 2.0592% | 514 |
| Return on Equity (ROE) | 14.1091% | 988 |
| Retained earnings to average equity (ytd only) | 6.1741% | 2,635 |
| Net charge-offs to loans | -0.0082% | 4,178 |
| Credit loss provision to net charge-offs | -100.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0632% | 5,371 |
| Assets per employee ($millions) | 9.0223% | 434 |
| Cash dividends to net income (ytd only)* | 56.2404% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8512% | 710 |
| Loan loss allowance to noncurrent loans | 59.2269% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.8725% | 637 |
| Noncurrent loans to loans | 3.1256% | 368 |
| Net loans and leases to total assets | 57.5245% | 3,988 |
| Net loans and leases to deposits | 66.7713% | 4,037 |
| Net loans and leases to core deposits | 73.6497% | 3,847 |
| Total domestic deposits to total assets | 86.1516% | 2,478 |
| Equity capital to assets | 11.2806% | 2,321 |
| Core capital (leverage) ratio | 11.6858% | 1,868 |
| Tier 1 risk-based capital ratio | 15.3783% | 2,705 |
| Total risk-based capital ratio | 16.6318% | 2,644 |
| Memoranda: | ||
| Average total assets | $160,645,000 | 3,347 |
| Average earning assets | $154,880,000 | 3,268 |
| Average equity | $18,399,500 | 3,315 |
| Average total loans | $97,305,500 | 3,408 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7216% | 4,288 |
| Cost of funding earning assets | 0.4331% | 2,931 |
| Net interest margin | 3.2885% | 4,190 |
| Noninterest income to average assets | 0.5560% | 2,676 |
| Noninterest expense to average assets | 1.5273% | 5,459 |
| Loan and lease loss provision to assets | 0.4506% | 305 |
| Net operating income to assets | 1.0556% | 2,036 |
| Return on assets (ROA) | 1.0552% | 2,062 |
| Pretax return on assets | 1.7450% | 906 |
| Return on Equity (ROE) | 8.9476% | 2,344 |
| Retained earnings to average equity (ytd only) | -0.8455% | 5,166 |
| Net charge-offs to loans | 0.6181% | 367 |
| Credit loss provision to net charge-offs | 116.8576% | 2,235 |
| Earnings coverage of net charge-offs (x) | 5.6956% | 3,286 |
| Efficiency ratio | 41.0169% | 5,510 |
| Assets per employee ($millions) | 8.8271% | 476 |
| Cash dividends to net income (ytd only)* | 109.4498% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 832 |
| Loan loss allowance to noncurrent loans | 62.4068% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.8145% | 680 |
| Noncurrent loans to loans | 2.8332% | 412 |
| Net loans and leases to total assets | 61.4710% | 3,683 |
| Net loans and leases to deposits | 72.7317% | 3,625 |
| Net loans and leases to core deposits | 80.5532% | 3,375 |
| Total domestic deposits to total assets | 84.5174% | 3,029 |
| Equity capital to assets | 11.6302% | 2,097 |
| Core capital (leverage) ratio | 11.7593% | 1,751 |
| Tier 1 risk-based capital ratio | 14.5589% | 3,062 |
| Total risk-based capital ratio | 15.8111% | 2,986 |
| Memoranda: | ||
| Average total assets | $158,452,800 | 3,370 |
| Average earning assets | $152,623,800 | 3,290 |
| Average equity | $18,686,600 | 3,278 |
| Average total loans | $98,854,600 | 3,372 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7090% | 4,298 |
| Cost of funding earning assets | 0.4221% | 2,966 |
| Net interest margin | 3.2869% | 4,210 |
| Noninterest income to average assets | 0.5549% | 2,701 |
| Noninterest expense to average assets | 1.5569% | 5,484 |
| Loan and lease loss provision to assets | 0.5987% | 184 |
| Net operating income to assets | 1.1011% | 2,087 |
| Return on assets (ROA) | 1.1005% | 2,140 |
| Pretax return on assets | 1.5653% | 1,530 |
| Return on Equity (ROE) | 9.2997% | 2,445 |
| Retained earnings to average equity (ytd only) | 0.3344% | 5,143 |
| Net charge-offs to loans | 0.6726% | 287 |
| Credit loss provision to net charge-offs | 142.7711% | 1,751 |
| Earnings coverage of net charge-offs (x) | 5.1627% | 3,141 |
| Efficiency ratio | 41.8326% | 5,540 |
| Assets per employee ($millions) | 7.7025% | 704 |
| Cash dividends to net income (ytd only)* | 96.4043% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9217% | 673 |
| Loan loss allowance to noncurrent loans | 65.2690% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.9007% | 707 |
| Noncurrent loans to loans | 2.9443% | 448 |
| Net loans and leases to total assets | 61.8881% | 3,665 |
| Net loans and leases to deposits | 75.3845% | 3,430 |
| Net loans and leases to core deposits | 83.1347% | 3,204 |
| Total domestic deposits to total assets | 82.0966% | 3,745 |
| Equity capital to assets | 12.3240% | 1,764 |
| Core capital (leverage) ratio | 11.8660% | 1,774 |
| Tier 1 risk-based capital ratio | 15.2413% | 2,819 |
| Total risk-based capital ratio | 16.4953% | 2,749 |
| Memoranda: | ||
| Average total assets | $158,344,000 | 3,395 |
| Average earning assets | $152,563,250 | 3,320 |
| Average equity | $18,738,500 | 3,299 |
| Average total loans | $98,711,250 | 3,403 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6508% | 4,361 |
| Cost of funding earning assets | 0.3913% | 3,157 |
| Net interest margin | 3.2595% | 4,241 |
| Noninterest income to average assets | 0.5295% | 2,832 |
| Noninterest expense to average assets | 1.5459% | 5,533 |
| Loan and lease loss provision to assets | 0.8887% | 109 |
| Net operating income to assets | 0.8997% | 2,914 |
| Return on assets (ROA) | 0.8988% | 2,975 |
| Pretax return on assets | 1.2317% | 2,652 |
| Return on Equity (ROE) | 7.6971% | 3,197 |
| Retained earnings to average equity (ytd only) | -4.3095% | 5,505 |
| Net charge-offs to loans | 0.9596% | 205 |
| Credit loss provision to net charge-offs | 149.1597% | 1,531 |
| Earnings coverage of net charge-offs (x) | 3.5609% | 3,030 |
| Efficiency ratio | 42.1502% | 5,569 |
| Assets per employee ($millions) | 7.5383% | 727 |
| Cash dividends to net income (ytd only)* | 155.9889% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9147% | 706 |
| Loan loss allowance to noncurrent loans | 62.1791% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.9860% | 647 |
| Noncurrent loans to loans | 3.0793% | 412 |
| Net loans and leases to total assets | 61.1282% | 3,732 |
| Net loans and leases to deposits | 72.4167% | 3,692 |
| Net loans and leases to core deposits | 79.4211% | 3,468 |
| Total domestic deposits to total assets | 84.4117% | 3,048 |
| Equity capital to assets | 11.7141% | 2,142 |
| Core capital (leverage) ratio | 11.3865% | 2,057 |
| Tier 1 risk-based capital ratio | 14.6349% | 3,095 |
| Total risk-based capital ratio | 15.8889% | 3,014 |
| Memoranda: | ||
| Average total assets | $159,775,670 | 3,398 |
| Average earning assets | $153,829,000 | 3,324 |
| Average equity | $18,656,330 | 3,310 |
| Average total loans | $99,213,000 | 3,411 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5843% | 4,456 |
| Cost of funding earning assets | 0.3727% | 3,279 |
| Net interest margin | 3.2116% | 4,300 |
| Noninterest income to average assets | 0.5408% | 2,704 |
| Noninterest expense to average assets | 1.5426% | 5,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4321% | 936 |
| Return on assets (ROA) | 1.4304% | 963 |
| Pretax return on assets | 2.0883% | 417 |
| Return on Equity (ROE) | 12.2699% | 1,167 |
| Retained earnings to average equity (ytd only) | 0.5130% | 4,802 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4554% | 5,642 |
| Assets per employee ($millions) | 7.6325% | 717 |
| Cash dividends to net income (ytd only)* | 95.8188% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 1,233 |
| Loan loss allowance to noncurrent loans | 46.7250% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 2.2760% | 538 |
| Noncurrent loans to loans | 3.5473% | 336 |
| Net loans and leases to total assets | 61.2641% | 3,628 |
| Net loans and leases to deposits | 73.4939% | 3,451 |
| Net loans and leases to core deposits | 79.5625% | 3,332 |
| Total domestic deposits to total assets | 83.3594% | 3,717 |
| Equity capital to assets | 11.7236% | 2,015 |
| Core capital (leverage) ratio | 11.0876% | 2,280 |
| Tier 1 risk-based capital ratio | 15.1249% | 2,910 |
| Total risk-based capital ratio | 16.3767% | 2,841 |
| Memoranda: | ||
| Average total assets | $160,511,000 | 3,419 |
| Average earning assets | $154,565,000 | 3,339 |
| Average equity | $18,712,500 | 3,320 |
| Average total loans | $99,490,500 | 3,429 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6798% | 4,278 |
| Cost of funding earning assets | 0.3433% | 3,601 |
| Net interest margin | 3.3365% | 4,039 |
| Noninterest income to average assets | 0.5733% | 2,795 |
| Noninterest expense to average assets | 1.6285% | 5,628 |
| Loan and lease loss provision to assets | 0.0032% | 4,289 |
| Net operating income to assets | 1.4864% | 853 |
| Return on assets (ROA) | 1.4864% | 874 |
| Pretax return on assets | 2.1570% | 356 |
| Return on Equity (ROE) | 12.2660% | 1,179 |
| Retained earnings to average equity (ytd only) | 2.6296% | 4,024 |
| Net charge-offs to loans | -0.0274% | 5,210 |
| Credit loss provision to net charge-offs | -18.5185% | 4,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9826% | 5,725 |
| Assets per employee ($millions) | 7.6542% | 693 |
| Cash dividends to net income (ytd only)* | 78.5622% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6695% | 1,206 |
| Loan loss allowance to noncurrent loans | 47.7358% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 2.2229% | 584 |
| Noncurrent loans to loans | 3.4974% | 343 |
| Net loans and leases to total assets | 60.6418% | 3,782 |
| Net loans and leases to deposits | 73.1136% | 3,604 |
| Net loans and leases to core deposits | 84.5777% | 2,970 |
| Total domestic deposits to total assets | 82.9419% | 3,789 |
| Equity capital to assets | 11.5927% | 2,083 |
| Core capital (leverage) ratio | 11.5576% | 1,887 |
| Tier 1 risk-based capital ratio | 15.1762% | 2,892 |
| Total risk-based capital ratio | 16.4280% | 2,825 |
| Memoranda: | ||
| Average total assets | $156,279,000 | 3,434 |
| Average earning assets | $150,607,800 | 3,364 |
| Average equity | $18,938,600 | 3,277 |
| Average total loans | $98,613,000 | 3,411 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7328% | 4,136 |
| Cost of funding earning assets | 0.3333% | 3,744 |
| Net interest margin | 3.3996% | 3,839 |
| Noninterest income to average assets | 0.5285% | 3,055 |
| Noninterest expense to average assets | 1.6172% | 5,676 |
| Loan and lease loss provision to assets | 0.0026% | 4,166 |
| Net operating income to assets | 1.5080% | 865 |
| Return on assets (ROA) | 1.5080% | 915 |
| Pretax return on assets | 2.1869% | 403 |
| Return on Equity (ROE) | 12.3059% | 1,230 |
| Retained earnings to average equity (ytd only) | 3.5410% | 3,776 |
| Net charge-offs to loans | -0.0366% | 5,240 |
| Credit loss provision to net charge-offs | -11.1111% | 4,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4831% | 5,774 |
| Assets per employee ($millions) | 7.3720% | 767 |
| Cash dividends to net income (ytd only)* | 71.2253% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 1,351 |
| Loan loss allowance to noncurrent loans | 144.7069% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.8068% | 2,524 |
| Noncurrent loans to loans | 1.1333% | 1,986 |
| Net loans and leases to total assets | 64.0799% | 3,389 |
| Net loans and leases to deposits | 82.9104% | 2,617 |
| Net loans and leases to core deposits | 87.7453% | 2,786 |
| Total domestic deposits to total assets | 77.2881% | 5,032 |
| Equity capital to assets | 12.4279% | 1,821 |
| Core capital (leverage) ratio | 12.1781% | 1,559 |
| Tier 1 risk-based capital ratio | 15.7901% | 2,708 |
| Total risk-based capital ratio | 17.0429% | 2,645 |
| Memoranda: | ||
| Average total assets | $155,164,000 | 3,464 |
| Average earning assets | $149,622,750 | 3,391 |
| Average equity | $19,014,750 | 3,293 |
| Average total loans | $98,483,750 | 3,417 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7252% | 4,209 |
| Cost of funding earning assets | 0.3264% | 3,832 |
| Net interest margin | 3.3989% | 3,895 |
| Noninterest income to average assets | 0.5255% | 3,034 |
| Noninterest expense to average assets | 1.6357% | 5,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4979% | 897 |
| Return on assets (ROA) | 1.4979% | 937 |
| Pretax return on assets | 2.1625% | 407 |
| Return on Equity (ROE) | 12.2811% | 1,217 |
| Retained earnings to average equity (ytd only) | 4.8892% | 2,801 |
| Net charge-offs to loans | -0.0369% | 5,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0654% | 5,839 |
| Assets per employee ($millions) | 6.9030% | 908 |
| Cash dividends to net income (ytd only)* | 60.1892% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6884% | 1,296 |
| Loan loss allowance to noncurrent loans | 148.7761% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8916% | 2,375 |
| Noncurrent loans to loans | 1.1349% | 2,030 |
| Net loans and leases to total assets | 62.9167% | 3,516 |
| Net loans and leases to deposits | 77.4447% | 3,216 |
| Net loans and leases to core deposits | 81.8050% | 3,288 |
| Total domestic deposits to total assets | 81.2407% | 4,207 |
| Equity capital to assets | 12.7066% | 1,656 |
| Core capital (leverage) ratio | 12.2751% | 1,469 |
| Tier 1 risk-based capital ratio | 16.2721% | 2,517 |
| Total risk-based capital ratio | 17.5259% | 2,462 |
| Memoranda: | ||
| Average total assets | $155,281,000 | 3,479 |
| Average earning assets | $149,521,000 | 3,408 |
| Average equity | $18,939,670 | 3,310 |
| Average total loans | $97,692,330 | 3,446 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6799% | 4,387 |
| Cost of funding earning assets | 0.3177% | 3,975 |
| Net interest margin | 3.3622% | 4,001 |
| Noninterest income to average assets | 0.5223% | 2,971 |
| Noninterest expense to average assets | 1.5925% | 5,833 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5033% | 845 |
| Return on assets (ROA) | 1.5033% | 886 |
| Pretax return on assets | 2.1658% | 406 |
| Return on Equity (ROE) | 12.5793% | 1,131 |
| Retained earnings to average equity (ytd only) | 5.1170% | 2,863 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3729% | 5,914 |
| Assets per employee ($millions) | 7.2332% | 807 |
| Cash dividends to net income (ytd only)* | 59.3220% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 1,412 |
| Loan loss allowance to noncurrent loans | 148.0839% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 2,463 |
| Noncurrent loans to loans | 1.1348% | 2,130 |
| Net loans and leases to total assets | 59.6716% | 3,827 |
| Net loans and leases to deposits | 72.5852% | 3,592 |
| Net loans and leases to core deposits | 78.9675% | 3,410 |
| Total domestic deposits to total assets | 82.2090% | 4,149 |
| Equity capital to assets | 11.9091% | 2,085 |
| Core capital (leverage) ratio | 11.9358% | 1,651 |
| Tier 1 risk-based capital ratio | 15.4677% | 2,942 |
| Total risk-based capital ratio | 16.7204% | 2,867 |
| Memoranda: | ||
| Average total assets | $156,988,500 | 3,481 |
| Average earning assets | $151,093,000 | 3,409 |
| Average equity | $18,761,000 | 3,336 |
| Average total loans | $97,943,500 | 3,454 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7095% | 4,344 |
| Cost of funding earning assets | 0.3264% | 3,951 |
| Net interest margin | 3.3832% | 3,974 |
| Noninterest income to average assets | 0.4681% | 3,540 |
| Noninterest expense to average assets | 1.6959% | 5,843 |
| Loan and lease loss provision to assets | 0.0006% | 4,373 |
| Net operating income to assets | 1.4111% | 1,021 |
| Return on assets (ROA) | 1.4462% | 986 |
| Pretax return on assets | 2.0451% | 489 |
| Return on Equity (ROE) | 12.6353% | 1,145 |
| Retained earnings to average equity (ytd only) | 4.9809% | 2,434 |
| Net charge-offs to loans | -0.0492% | 5,548 |
| Credit loss provision to net charge-offs | -2.0833% | 4,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9322% | 5,928 |
| Assets per employee ($millions) | 7.0385% | 875 |
| Cash dividends to net income (ytd only)* | 60.5798% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 1,509 |
| Loan loss allowance to noncurrent loans | 349.2473% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 3,461 |
| Noncurrent loans to loans | 0.4682% | 3,787 |
| Net loans and leases to total assets | 63.0846% | 3,395 |
| Net loans and leases to deposits | 76.0613% | 3,245 |
| Net loans and leases to core deposits | 80.9943% | 3,244 |
| Total domestic deposits to total assets | 82.9392% | 3,850 |
| Equity capital to assets | 11.9932% | 1,952 |
| Core capital (leverage) ratio | 11.4555% | 1,998 |
| Tier 1 risk-based capital ratio | 14.9122% | 3,217 |
| Total risk-based capital ratio | 16.1645% | 3,148 |
| Memoranda: | ||
| Average total assets | $159,796,400 | 3,436 |
| Average earning assets | $152,284,000 | 3,368 |
| Average equity | $18,290,000 | 3,342 |
| Average total loans | $97,544,000 | 3,427 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6867% | 4,457 |
| Cost of funding earning assets | 0.3276% | 4,021 |
| Net interest margin | 3.3592% | 4,107 |
| Noninterest income to average assets | 0.3386% | 4,519 |
| Noninterest expense to average assets | 1.5673% | 5,997 |
| Loan and lease loss provision to assets | 0.0008% | 4,227 |
| Net operating income to assets | 1.3901% | 1,131 |
| Return on assets (ROA) | 1.4365% | 1,079 |
| Pretax return on assets | 2.0285% | 567 |
| Return on Equity (ROE) | 12.6966% | 1,194 |
| Retained earnings to average equity (ytd only) | 5.0127% | 2,906 |
| Net charge-offs to loans | -0.0439% | 5,504 |
| Credit loss provision to net charge-offs | -3.1250% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3845% | 6,026 |
| Assets per employee ($millions) | 8.0024% | 538 |
| Cash dividends to net income (ytd only)* | 60.5188% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 1,896 |
| Loan loss allowance to noncurrent loans | 340.6780% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 3,010 |
| Noncurrent loans to loans | 0.4601% | 3,982 |
| Net loans and leases to total assets | 63.0904% | 3,439 |
| Net loans and leases to deposits | 80.5455% | 2,813 |
| Net loans and leases to core deposits | 86.3418% | 2,815 |
| Total domestic deposits to total assets | 78.3290% | 5,122 |
| Equity capital to assets | 11.5584% | 2,456 |
| Core capital (leverage) ratio | 11.2110% | 2,283 |
| Tier 1 risk-based capital ratio | 14.4625% | 3,596 |
| Total risk-based capital ratio | 15.7134% | 3,505 |
| Memoranda: | ||
| Average total assets | $161,034,000 | 3,450 |
| Average earning assets | $153,050,500 | 3,380 |
| Average equity | $18,219,750 | 3,380 |
| Average total loans | $97,103,000 | 3,468 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6822% | 4,458 |
| Cost of funding earning assets | 0.3233% | 4,113 |
| Net interest margin | 3.3589% | 4,059 |
| Noninterest income to average assets | 0.3086% | 4,749 |
| Noninterest expense to average assets | 1.5729% | 6,066 |
| Loan and lease loss provision to assets | 0.0012% | 4,060 |
| Net operating income to assets | 1.3608% | 1,164 |
| Return on assets (ROA) | 1.4303% | 1,072 |
| Pretax return on assets | 2.0129% | 583 |
| Return on Equity (ROE) | 12.7326% | 1,173 |
| Retained earnings to average equity (ytd only) | 5.0092% | 2,860 |
| Net charge-offs to loans | -0.0441% | 5,496 |
| Credit loss provision to net charge-offs | -4.7619% | 4,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0799% | 6,077 |
| Assets per employee ($millions) | 7.5590% | 655 |
| Cash dividends to net income (ytd only)* | 60.6586% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 1,767 |
| Loan loss allowance to noncurrent loans | 330.4348% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 2,769 |
| Noncurrent loans to loans | 0.4975% | 3,974 |
| Net loans and leases to total assets | 57.4210% | 4,171 |
| Net loans and leases to deposits | 68.5873% | 4,075 |
| Net loans and leases to core deposits | 72.1714% | 4,113 |
| Total domestic deposits to total assets | 83.7196% | 3,680 |
| Equity capital to assets | 10.9334% | 2,957 |
| Core capital (leverage) ratio | 10.9709% | 2,455 |
| Tier 1 risk-based capital ratio | 14.9295% | 3,397 |
| Total risk-based capital ratio | 16.1812% | 3,328 |
| Memoranda: | ||
| Average total assets | $161,362,670 | 3,468 |
| Average earning assets | $152,788,000 | 3,406 |
| Average equity | $18,126,670 | 3,408 |
| Average total loans | $95,276,330 | 3,529 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6824% | 4,428 |
| Cost of funding earning assets | 0.3211% | 4,208 |
| Net interest margin | 3.3613% | 3,986 |
| Noninterest income to average assets | 0.4003% | 4,003 |
| Noninterest expense to average assets | 1.5230% | 6,166 |
| Loan and lease loss provision to assets | 0.0025% | 3,681 |
| Net operating income to assets | 1.4827% | 872 |
| Return on assets (ROA) | 1.4827% | 929 |
| Pretax return on assets | 2.0894% | 491 |
| Return on Equity (ROE) | 13.0173% | 1,085 |
| Retained earnings to average equity (ytd only) | 5.2821% | 2,901 |
| Net charge-offs to loans | -0.0297% | 5,244 |
| Credit loss provision to net charge-offs | -14.2857% | 4,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1309% | 6,231 |
| Assets per employee ($millions) | 6.9520% | 873 |
| Cash dividends to net income (ytd only)* | 59.4228% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 1,874 |
| Loan loss allowance to noncurrent loans | 324.1803% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2590% | 2,118 |
| Noncurrent loans to loans | 0.5096% | 4,052 |
| Net loans and leases to total assets | 58.9043% | 3,813 |
| Net loans and leases to deposits | 71.3777% | 3,609 |
| Net loans and leases to core deposits | 73.8509% | 3,795 |
| Total domestic deposits to total assets | 82.5248% | 4,343 |
| Equity capital to assets | 11.4500% | 2,515 |
| Core capital (leverage) ratio | 10.7654% | 2,668 |
| Tier 1 risk-based capital ratio | 14.9571% | 3,457 |
| Total risk-based capital ratio | 16.2084% | 3,380 |
| Memoranda: | ||
| Average total assets | $158,895,000 | 3,524 |
| Average earning assets | $151,966,500 | 3,431 |
| Average equity | $18,099,000 | 3,431 |
| Average total loans | $94,371,500 | 3,553 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 4,886 |
| Cost of funding earning assets | 0.3749% | 3,981 |
| Net interest margin | 3.2922% | 4,605 |
| Noninterest income to average assets | 0.4647% | 3,750 |
| Noninterest expense to average assets | 1.6215% | 6,223 |
| Loan and lease loss provision to assets | 0.0019% | 4,572 |
| Net operating income to assets | 1.4043% | 1,078 |
| Return on assets (ROA) | 1.4453% | 1,022 |
| Pretax return on assets | 2.0272% | 489 |
| Return on Equity (ROE) | 13.1013% | 1,115 |
| Retained earnings to average equity (ytd only) | 5.0567% | 2,561 |
| Net charge-offs to loans | -0.0034% | 5,423 |
| Credit loss provision to net charge-offs | -100.0000% | 5,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1306% | 6,297 |
| Assets per employee ($millions) | 6.8650% | 899 |
| Cash dividends to net income (ytd only)* | 61.4035% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 1,791 |
| Loan loss allowance to noncurrent loans | 316.7002% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 1.3066% | 2,153 |
| Noncurrent loans to loans | 0.5345% | 4,058 |
| Net loans and leases to total assets | 57.8878% | 4,058 |
| Net loans and leases to deposits | 74.2484% | 3,408 |
| Net loans and leases to core deposits | 79.0060% | 3,406 |
| Total domestic deposits to total assets | 77.9651% | 5,445 |
| Equity capital to assets | 11.3303% | 2,581 |
| Core capital (leverage) ratio | 10.9047% | 2,490 |
| Tier 1 risk-based capital ratio | 14.5280% | 3,761 |
| Total risk-based capital ratio | 15.7798% | 3,701 |
| Memoranda: | ||
| Average total assets | $157,752,400 | 3,527 |
| Average earning assets | $149,898,400 | 3,443 |
| Average equity | $17,402,800 | 3,467 |
| Average total loans | $87,250,600 | 3,693 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6485% | 5,006 |
| Cost of funding earning assets | 0.3795% | 4,027 |
| Net interest margin | 3.2690% | 4,724 |
| Noninterest income to average assets | 0.4743% | 3,721 |
| Noninterest expense to average assets | 1.5868% | 6,300 |
| Loan and lease loss provision to assets | 0.0017% | 4,375 |
| Net operating income to assets | 1.4192% | 1,093 |
| Return on assets (ROA) | 1.4456% | 1,074 |
| Pretax return on assets | 2.0255% | 536 |
| Return on Equity (ROE) | 13.1933% | 1,173 |
| Retained earnings to average equity (ytd only) | 5.0922% | 3,027 |
| Net charge-offs to loans | 0.0093% | 4,403 |
| Credit loss provision to net charge-offs | 33.3333% | 3,398 |
| Earnings coverage of net charge-offs (x) | 392.3238% | 186 |
| Efficiency ratio | 44.3630% | 6,350 |
| Assets per employee ($millions) | 6.8419% | 863 |
| Cash dividends to net income (ytd only)* | 61.4038% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 1,804 |
| Loan loss allowance to noncurrent loans | 734.2723% | 718 |
| Noncurrent assets plus other real estate owned to assets | 1.3955% | 2,209 |
| Noncurrent loans to loans | 0.2393% | 5,182 |
| Net loans and leases to total assets | 55.5753% | 4,384 |
| Net loans and leases to deposits | 68.3830% | 4,095 |
| Net loans and leases to core deposits | 72.8670% | 4,066 |
| Total domestic deposits to total assets | 81.2707% | 4,743 |
| Equity capital to assets | 11.2727% | 2,684 |
| Core capital (leverage) ratio | 10.8028% | 2,693 |
| Tier 1 risk-based capital ratio | 14.7487% | 3,732 |
| Total risk-based capital ratio | 16.0011% | 3,675 |
| Memoranda: | ||
| Average total assets | $157,716,750 | 3,548 |
| Average earning assets | $149,683,500 | 3,474 |
| Average equity | $17,281,000 | 3,500 |
| Average total loans | $85,819,250 | 3,759 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6415% | 5,036 |
| Cost of funding earning assets | 0.3839% | 4,056 |
| Net interest margin | 3.2575% | 4,751 |
| Noninterest income to average assets | 0.4486% | 3,883 |
| Noninterest expense to average assets | 1.5789% | 6,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3981% | 1,065 |
| Return on assets (ROA) | 1.4382% | 1,024 |
| Pretax return on assets | 2.0110% | 543 |
| Return on Equity (ROE) | 13.2529% | 1,113 |
| Retained earnings to average equity (ytd only) | 5.0793% | 2,913 |
| Net charge-offs to loans | -0.0354% | 5,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6755% | 6,401 |
| Assets per employee ($millions) | 7.2311% | 716 |
| Cash dividends to net income (ytd only)* | 61.6740% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 1,798 |
| Loan loss allowance to noncurrent loans | 463.4503% | 999 |
| Noncurrent assets plus other real estate owned to assets | 1.4464% | 2,252 |
| Noncurrent loans to loans | 0.3924% | 4,817 |
| Net loans and leases to total assets | 53.7930% | 4,566 |
| Net loans and leases to deposits | 64.8657% | 4,391 |
| Net loans and leases to core deposits | 68.7032% | 4,400 |
| Total domestic deposits to total assets | 82.9298% | 4,329 |
| Equity capital to assets | 11.0445% | 2,830 |
| Core capital (leverage) ratio | 10.7368% | 2,680 |
| Tier 1 risk-based capital ratio | 14.7647% | 3,774 |
| Total risk-based capital ratio | 16.0168% | 3,719 |
| Memoranda: | ||
| Average total assets | $157,834,670 | 3,568 |
| Average earning assets | $149,499,000 | 3,492 |
| Average equity | $17,128,330 | 3,529 |
| Average total loans | $84,752,670 | 3,799 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 5,330 |
| Cost of funding earning assets | 0.3924% | 4,059 |
| Net interest margin | 3.1472% | 5,098 |
| Noninterest income to average assets | 0.4427% | 3,842 |
| Noninterest expense to average assets | 1.5419% | 6,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3493% | 1,101 |
| Return on assets (ROA) | 1.4299% | 974 |
| Pretax return on assets | 1.9922% | 541 |
| Return on Equity (ROE) | 13.2959% | 1,084 |
| Retained earnings to average equity (ytd only) | 5.0155% | 3,105 |
| Net charge-offs to loans | -0.0048% | 4,810 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0558% | 6,455 |
| Assets per employee ($millions) | 7.2734% | 698 |
| Cash dividends to net income (ytd only)* | 62.2776% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8952% | 1,769 |
| Loan loss allowance to noncurrent loans | 206.0367% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 1.7005% | 2,079 |
| Noncurrent loans to loans | 0.9198% | 3,581 |
| Net loans and leases to total assets | 50.7909% | 4,815 |
| Net loans and leases to deposits | 61.7276% | 4,580 |
| Net loans and leases to core deposits | 65.3846% | 4,560 |
| Total domestic deposits to total assets | 82.2823% | 4,861 |
| Equity capital to assets | 10.6721% | 3,070 |
| Core capital (leverage) ratio | 10.7102% | 2,692 |
| Tier 1 risk-based capital ratio | 14.8233% | 3,799 |
| Total risk-based capital ratio | 16.0240% | 3,781 |
| Memoranda: | ||
| Average total assets | $157,210,000 | 3,603 |
| Average earning assets | $148,833,000 | 3,525 |
| Average equity | $16,907,500 | 3,563 |
| Average total loans | $83,548,500 | 3,848 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 5,389 |
| Cost of funding earning assets | 0.4704% | 3,904 |
| Net interest margin | 3.1355% | 5,210 |
| Noninterest income to average assets | 0.4640% | 3,998 |
| Noninterest expense to average assets | 1.5790% | 6,525 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3504% | 1,133 |
| Return on assets (ROA) | 1.3588% | 1,159 |
| Pretax return on assets | 1.8657% | 656 |
| Return on Equity (ROE) | 12.7394% | 1,225 |
| Retained earnings to average equity (ytd only) | 4.3385% | 3,090 |
| Net charge-offs to loans | 0.0048% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 724.2500% | 53 |
| Efficiency ratio | 45.9918% | 6,557 |
| Assets per employee ($millions) | 7.3526% | 641 |
| Cash dividends to net income (ytd only)* | 65.9444% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8610% | 1,889 |
| Loan loss allowance to noncurrent loans | 200.2554% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 1.7758% | 2,079 |
| Noncurrent loans to loans | 0.9293% | 3,669 |
| Net loans and leases to total assets | 53.5514% | 4,646 |
| Net loans and leases to deposits | 65.0840% | 4,403 |
| Net loans and leases to core deposits | 68.7966% | 4,424 |
| Total domestic deposits to total assets | 82.2804% | 4,773 |
| Equity capital to assets | 10.8403% | 2,773 |
| Core capital (leverage) ratio | 10.4073% | 3,013 |
| Tier 1 risk-based capital ratio | 14.7302% | 3,822 |
| Total risk-based capital ratio | 15.9829% | 3,759 |
| Memoranda: | ||
| Average total assets | $156,240,000 | 3,615 |
| Average earning assets | $147,949,000 | 3,543 |
| Average equity | $16,664,800 | 3,601 |
| Average total loans | $84,138,200 | 3,823 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5934% | 5,457 |
| Cost of funding earning assets | 0.4773% | 3,997 |
| Net interest margin | 3.1161% | 5,277 |
| Noninterest income to average assets | 0.4322% | 4,284 |
| Noninterest expense to average assets | 1.5324% | 6,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3494% | 1,225 |
| Return on assets (ROA) | 1.3605% | 1,247 |
| Pretax return on assets | 1.8651% | 767 |
| Return on Equity (ROE) | 12.8072% | 1,285 |
| Retained earnings to average equity (ytd only) | 4.3972% | 3,546 |
| Net charge-offs to loans | 0.0063% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 543.8255% | 106 |
| Efficiency ratio | 45.3082% | 6,617 |
| Assets per employee ($millions) | 7.1285% | 693 |
| Cash dividends to net income (ytd only)* | 65.6662% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 2,193 |
| Loan loss allowance to noncurrent loans | 192.1569% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 1.7695% | 2,317 |
| Noncurrent loans to loans | 0.9549% | 3,907 |
| Net loans and leases to total assets | 53.4911% | 4,690 |
| Net loans and leases to deposits | 65.0610% | 4,396 |
| Net loans and leases to core deposits | 69.1440% | 4,418 |
| Total domestic deposits to total assets | 82.2168% | 4,857 |
| Equity capital to assets | 10.6001% | 3,159 |
| Core capital (leverage) ratio | 10.2708% | 3,283 |
| Tier 1 risk-based capital ratio | 14.6410% | 3,991 |
| Total risk-based capital ratio | 15.8933% | 3,935 |
| Memoranda: | ||
| Average total assets | $156,698,750 | 3,642 |
| Average earning assets | $148,342,750 | 3,568 |
| Average equity | $16,646,500 | 3,647 |
| Average total loans | $84,109,250 | 3,858 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5914% | 5,462 |
| Cost of funding earning assets | 0.4844% | 4,042 |
| Net interest margin | 3.1070% | 5,253 |
| Noninterest income to average assets | 0.4149% | 4,415 |
| Noninterest expense to average assets | 1.5282% | 6,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3407% | 1,223 |
| Return on assets (ROA) | 1.3584% | 1,257 |
| Pretax return on assets | 1.8589% | 807 |
| Return on Equity (ROE) | 12.7777% | 1,292 |
| Retained earnings to average equity (ytd only) | 4.3713% | 3,493 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4442% | 6,666 |
| Assets per employee ($millions) | 7.1124% | 688 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 2,384 |
| Loan loss allowance to noncurrent loans | 184.7239% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 1.7958% | 2,417 |
| Noncurrent loans to loans | 0.9836% | 3,973 |
| Net loans and leases to total assets | 54.2899% | 4,547 |
| Net loans and leases to deposits | 66.5442% | 4,201 |
| Net loans and leases to core deposits | 70.3273% | 4,235 |
| Total domestic deposits to total assets | 81.5847% | 5,186 |
| Equity capital to assets | 10.3149% | 3,530 |
| Core capital (leverage) ratio | 10.1165% | 3,340 |
| Tier 1 risk-based capital ratio | 14.2418% | 4,263 |
| Total risk-based capital ratio | 15.4391% | 4,258 |
| Memoranda: | ||
| Average total assets | $156,655,670 | 3,662 |
| Average earning assets | $148,631,670 | 3,585 |
| Average equity | $16,654,000 | 3,675 |
| Average total loans | $83,660,000 | 3,882 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5830% | 5,494 |
| Cost of funding earning assets | 0.4995% | 4,097 |
| Net interest margin | 3.0834% | 5,324 |
| Noninterest income to average assets | 0.5487% | 3,450 |
| Noninterest expense to average assets | 1.5056% | 6,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4146% | 1,003 |
| Return on assets (ROA) | 1.4495% | 1,036 |
| Pretax return on assets | 2.0058% | 588 |
| Return on Equity (ROE) | 13.4350% | 1,070 |
| Retained earnings to average equity (ytd only) | 5.1564% | 3,140 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4783% | 6,793 |
| Assets per employee ($millions) | 7.3470% | 648 |
| Cash dividends to net income (ytd only)* | 61.6197% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 2,259 |
| Loan loss allowance to noncurrent loans | 217.8670% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 1.7261% | 2,703 |
| Noncurrent loans to loans | 0.8795% | 4,377 |
| Net loans and leases to total assets | 49.8153% | 5,018 |
| Net loans and leases to deposits | 60.8283% | 4,704 |
| Net loans and leases to core deposits | 65.1960% | 4,634 |
| Total domestic deposits to total assets | 81.8950% | 5,230 |
| Equity capital to assets | 10.4953% | 3,541 |
| Core capital (leverage) ratio | 10.3513% | 2,966 |
| Tier 1 risk-based capital ratio | 14.5027% | 4,173 |
| Total risk-based capital ratio | 15.7562% | 4,138 |
| Memoranda: | ||
| Average total assets | $156,747,000 | 3,696 |
| Average earning assets | $148,146,000 | 3,625 |
| Average equity | $16,911,000 | 3,685 |
| Average total loans | $82,229,500 | 3,949 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 5,561 |
| Cost of funding earning assets | 0.6280% | 4,115 |
| Net interest margin | 3.2778% | 5,328 |
| Noninterest income to average assets | 0.5197% | 3,773 |
| Noninterest expense to average assets | 1.6040% | 6,804 |
| Loan and lease loss provision to assets | 0.0329% | 5,483 |
| Net operating income to assets | 1.4336% | 1,038 |
| Return on assets (ROA) | 1.4544% | 1,112 |
| Pretax return on assets | 2.0130% | 583 |
| Return on Equity (ROE) | 13.5297% | 1,102 |
| Retained earnings to average equity (ytd only) | 6.1766% | 1,984 |
| Net charge-offs to loans | 0.0097% | 5,801 |
| Credit loss provision to net charge-offs | 625.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 382.7500% | 108 |
| Efficiency ratio | 44.2969% | 6,836 |
| Assets per employee ($millions) | 6.9027% | 803 |
| Cash dividends to net income (ytd only)* | 54.3478% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 2,270 |
| Loan loss allowance to noncurrent loans | 249.6825% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 1.7766% | 2,743 |
| Noncurrent loans to loans | 0.7649% | 4,655 |
| Net loans and leases to total assets | 53.2033% | 4,731 |
| Net loans and leases to deposits | 66.0611% | 4,276 |
| Net loans and leases to core deposits | 71.3060% | 4,133 |
| Total domestic deposits to total assets | 80.5366% | 5,535 |
| Equity capital to assets | 11.1011% | 2,833 |
| Core capital (leverage) ratio | 10.5034% | 2,762 |
| Tier 1 risk-based capital ratio | 14.5372% | 4,004 |
| Total risk-based capital ratio | 15.7906% | 3,957 |
| Memoranda: | ||
| Average total assets | $151,811,200 | 3,741 |
| Average earning assets | $143,635,000 | 3,670 |
| Average equity | $16,319,600 | 3,737 |
| Average total loans | $82,616,600 | 3,954 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9543% | 5,647 |
| Cost of funding earning assets | 0.6515% | 4,186 |
| Net interest margin | 3.3028% | 5,385 |
| Noninterest income to average assets | 0.4550% | 4,247 |
| Noninterest expense to average assets | 1.5301% | 6,928 |
| Loan and lease loss provision to assets | 0.0439% | 5,224 |
| Net operating income to assets | 1.4451% | 1,135 |
| Return on assets (ROA) | 1.4730% | 1,193 |
| Pretax return on assets | 2.0456% | 635 |
| Return on Equity (ROE) | 13.8149% | 1,146 |
| Retained earnings to average equity (ytd only) | 6.4008% | 2,431 |
| Net charge-offs to loans | 0.0113% | 5,549 |
| Credit loss provision to net charge-offs | 714.2857% | 386 |
| Earnings coverage of net charge-offs (x) | 333.6827% | 136 |
| Efficiency ratio | 42.7275% | 6,940 |
| Assets per employee ($millions) | 7.1440% | 696 |
| Cash dividends to net income (ytd only)* | 53.6674% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9072% | 2,446 |
| Loan loss allowance to noncurrent loans | 298.4820% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 1.8670% | 2,836 |
| Noncurrent loans to loans | 0.6390% | 5,163 |
| Net loans and leases to total assets | 53.9270% | 4,757 |
| Net loans and leases to deposits | 66.6524% | 4,380 |
| Net loans and leases to core deposits | 72.1790% | 4,227 |
| Total domestic deposits to total assets | 80.9078% | 5,394 |
| Equity capital to assets | 11.1735% | 3,068 |
| Core capital (leverage) ratio | 10.4386% | 2,989 |
| Tier 1 risk-based capital ratio | 14.6205% | 4,101 |
| Total risk-based capital ratio | 15.8753% | 4,068 |
| Memoranda: | ||
| Average total assets | $151,799,250 | 3,787 |
| Average earning assets | $143,670,500 | 3,700 |
| Average equity | $16,185,000 | 3,788 |
| Average total loans | $82,679,000 | 3,999 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 5,732 |
| Cost of funding earning assets | 0.6722% | 4,253 |
| Net interest margin | 3.2973% | 5,446 |
| Noninterest income to average assets | 0.4357% | 4,395 |
| Noninterest expense to average assets | 1.5185% | 6,991 |
| Loan and lease loss provision to assets | 0.0656% | 4,817 |
| Net operating income to assets | 1.4218% | 1,145 |
| Return on assets (ROA) | 1.4633% | 1,194 |
| Pretax return on assets | 2.0316% | 655 |
| Return on Equity (ROE) | 13.9442% | 1,137 |
| Retained earnings to average equity (ytd only) | 6.4406% | 2,414 |
| Net charge-offs to loans | 0.0048% | 5,436 |
| Credit loss provision to net charge-offs | 2,500.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 777.0000% | 43 |
| Efficiency ratio | 42.6780% | 6,999 |
| Assets per employee ($millions) | 7.2441% | 649 |
| Cash dividends to net income (ytd only)* | 53.8117% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9224% | 2,471 |
| Loan loss allowance to noncurrent loans | 84.1151% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.8399% | 2,981 |
| Noncurrent loans to loans | 2.2855% | 2,635 |
| Net loans and leases to total assets | 52.9203% | 4,975 |
| Net loans and leases to deposits | 64.2419% | 4,731 |
| Net loans and leases to core deposits | 69.3688% | 4,616 |
| Total domestic deposits to total assets | 82.3766% | 4,991 |
| Equity capital to assets | 10.7213% | 3,432 |
| Core capital (leverage) ratio | 10.0419% | 3,362 |
| Tier 1 risk-based capital ratio | 14.6596% | 3,987 |
| Total risk-based capital ratio | 15.9144% | 3,951 |
| Memoranda: | ||
| Average total assets | $152,390,670 | 3,795 |
| Average earning assets | $144,299,670 | 3,709 |
| Average equity | $15,992,330 | 3,802 |
| Average total loans | $82,746,330 | 4,018 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0181% | 5,704 |
| Cost of funding earning assets | 0.6978% | 4,300 |
| Net interest margin | 3.3203% | 5,406 |
| Noninterest income to average assets | 0.4380% | 4,398 |
| Noninterest expense to average assets | 1.5762% | 7,000 |
| Loan and lease loss provision to assets | 0.1311% | 3,707 |
| Net operating income to assets | 1.3541% | 1,305 |
| Return on assets (ROA) | 1.4372% | 1,287 |
| Pretax return on assets | 1.9905% | 746 |
| Return on Equity (ROE) | 13.8441% | 1,216 |
| Retained earnings to average equity (ytd only) | 6.2652% | 2,812 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9971% | 6,992 |
| Assets per employee ($millions) | 7.1003% | 719 |
| Cash dividends to net income (ytd only)* | 54.7445% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8952% | 2,688 |
| Loan loss allowance to noncurrent loans | 79.7175% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.8873% | 3,061 |
| Noncurrent loans to loans | 2.3774% | 2,727 |
| Net loans and leases to total assets | 52.3591% | 4,968 |
| Net loans and leases to deposits | 63.6988% | 4,674 |
| Net loans and leases to core deposits | 71.0755% | 4,281 |
| Total domestic deposits to total assets | 82.1979% | 5,230 |
| Equity capital to assets | 10.2243% | 3,820 |
| Core capital (leverage) ratio | 9.9110% | 3,485 |
| Tier 1 risk-based capital ratio | 14.1074% | 4,391 |
| Total risk-based capital ratio | 15.3613% | 4,361 |
| Memoranda: | ||
| Average total assets | $152,522,500 | 3,829 |
| Average earning assets | $144,446,000 | 3,733 |
| Average equity | $15,833,500 | 3,838 |
| Average total loans | $83,077,500 | 4,041 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 5,719 |
| Cost of funding earning assets | 0.8183% | 4,719 |
| Net interest margin | 3.4966% | 5,161 |
| Noninterest income to average assets | 0.4974% | 3,862 |
| Noninterest expense to average assets | 1.6509% | 7,082 |
| Loan and lease loss provision to assets | 0.2732% | 3,486 |
| Net operating income to assets | 1.3692% | 1,086 |
| Return on assets (ROA) | 1.4029% | 1,108 |
| Pretax return on assets | 1.8819% | 689 |
| Return on Equity (ROE) | 13.7523% | 997 |
| Retained earnings to average equity (ytd only) | 5.7374% | 2,156 |
| Net charge-offs to loans | 0.0483% | 5,823 |
| Credit loss provision to net charge-offs | 1,055.2632% | 213 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 362 |
| Efficiency ratio | 43.8949% | 7,126 |
| Assets per employee ($millions) | 6.7654% | 834 |
| Cash dividends to net income (ytd only)* | 58.2807% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8493% | 2,712 |
| Loan loss allowance to noncurrent loans | 76.6650% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 2.0297% | 2,925 |
| Noncurrent loans to loans | 2.4122% | 2,713 |
| Net loans and leases to total assets | 54.5932% | 4,935 |
| Net loans and leases to deposits | 69.5983% | 4,172 |
| Net loans and leases to core deposits | 80.9081% | 3,328 |
| Total domestic deposits to total assets | 78.4405% | 6,105 |
| Equity capital to assets | 10.5456% | 3,481 |
| Core capital (leverage) ratio | 10.0098% | 3,331 |
| Tier 1 risk-based capital ratio | 14.0969% | 4,255 |
| Total risk-based capital ratio | 15.3510% | 4,207 |
| Memoranda: | ||
| Average total assets | $146,769,400 | 3,862 |
| Average earning assets | $136,989,400 | 3,802 |
| Average equity | $14,972,000 | 3,912 |
| Average total loans | $78,663,000 | 4,183 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 5,748 |
| Cost of funding earning assets | 0.8381% | 4,873 |
| Net interest margin | 3.5200% | 5,106 |
| Noninterest income to average assets | 0.4768% | 4,068 |
| Noninterest expense to average assets | 1.6318% | 7,154 |
| Loan and lease loss provision to assets | 0.3656% | 2,665 |
| Net operating income to assets | 1.3035% | 1,366 |
| Return on assets (ROA) | 1.3055% | 1,449 |
| Pretax return on assets | 1.7558% | 1,028 |
| Return on Equity (ROE) | 12.9085% | 1,302 |
| Retained earnings to average equity (ytd only) | 4.7956% | 3,316 |
| Net charge-offs to loans | 0.0155% | 5,937 |
| Credit loss provision to net charge-offs | 4,455.5556% | 69 |
| Earnings coverage of net charge-offs (x) | 258.2158% | 157 |
| Efficiency ratio | 43.5100% | 7,159 |
| Assets per employee ($millions) | 7.1022% | 700 |
| Cash dividends to net income (ytd only)* | 62.8490% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9384% | 2,506 |
| Loan loss allowance to noncurrent loans | 77.7944% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.9111% | 3,252 |
| Noncurrent loans to loans | 2.4917% | 2,781 |
| Net loans and leases to total assets | 50.4758% | 5,639 |
| Net loans and leases to deposits | 67.7566% | 4,655 |
| Net loans and leases to core deposits | 76.7281% | 4,092 |
| Total domestic deposits to total assets | 74.4958% | 6,704 |
| Equity capital to assets | 9.9085% | 4,470 |
| Core capital (leverage) ratio | 9.9574% | 3,497 |
| Tier 1 risk-based capital ratio | 13.4182% | 4,793 |
| Total risk-based capital ratio | 14.6720% | 4,763 |
| Memoranda: | ||
| Average total assets | $146,252,000 | 3,884 |
| Average earning assets | $136,020,500 | 3,835 |
| Average equity | $14,791,000 | 3,961 |
| Average total loans | $77,632,000 | 4,261 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 5,686 |
| Cost of funding earning assets | 0.8602% | 4,982 |
| Net interest margin | 3.5419% | 4,960 |
| Noninterest income to average assets | 0.5080% | 3,795 |
| Noninterest expense to average assets | 1.6667% | 7,213 |
| Loan and lease loss provision to assets | 0.5612% | 1,724 |
| Net operating income to assets | 1.2237% | 1,503 |
| Return on assets (ROA) | 1.2259% | 1,577 |
| Pretax return on assets | 1.6191% | 1,222 |
| Return on Equity (ROE) | 12.0324% | 1,475 |
| Retained earnings to average equity (ytd only) | 3.7910% | 3,804 |
| Net charge-offs to loans | 0.0313% | 5,410 |
| Credit loss provision to net charge-offs | 3,341.6667% | 96 |
| Earnings coverage of net charge-offs (x) | 129.6667% | 272 |
| Efficiency ratio | 43.3564% | 7,261 |
| Assets per employee ($millions) | 6.1355% | 1,113 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9938% | 2,388 |
| Loan loss allowance to noncurrent loans | 84.1991% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.9375% | 3,324 |
| Noncurrent loans to loans | 2.3679% | 3,021 |
| Net loans and leases to total assets | 51.9426% | 5,570 |
| Net loans and leases to deposits | 65.3506% | 5,092 |
| Net loans and leases to core deposits | 76.5889% | 4,241 |
| Total domestic deposits to total assets | 79.4829% | 5,955 |
| Equity capital to assets | 10.1669% | 3,923 |
| Core capital (leverage) ratio | 9.6029% | 3,801 |
| Tier 1 risk-based capital ratio | 14.2020% | 4,015 |
| Total risk-based capital ratio | 15.4570% | 3,983 |
| Memoranda: | ||
| Average total assets | $142,919,670 | 3,979 |
| Average earning assets | $134,618,670 | 3,891 |
| Average equity | $14,560,670 | 3,996 |
| Average total loans | $76,700,330 | 4,323 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 5,572 |
| Cost of funding earning assets | 0.8742% | 5,099 |
| Net interest margin | 3.5602% | 4,767 |
| Noninterest income to average assets | 0.5400% | 3,579 |
| Noninterest expense to average assets | 1.6739% | 7,250 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6024% | 690 |
| Return on assets (ROA) | 1.6085% | 722 |
| Pretax return on assets | 2.2309% | 376 |
| Return on Equity (ROE) | 15.7710% | 702 |
| Retained earnings to average equity (ytd only) | 7.4118% | 1,983 |
| Net charge-offs to loans | 0.0263% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 156.4000% | 203 |
| Efficiency ratio | 42.9613% | 7,320 |
| Assets per employee ($millions) | 6.3396% | 1,011 |
| Cash dividends to net income (ytd only)* | 53.0035% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 4,087 |
| Loan loss allowance to noncurrent loans | 2,766.6667% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 5,558 |
| Noncurrent loans to loans | 0.0551% | 6,906 |
| Net loans and leases to total assets | 51.4536% | 5,655 |
| Net loans and leases to deposits | 64.5171% | 5,184 |
| Net loans and leases to core deposits | 76.4687% | 4,239 |
| Total domestic deposits to total assets | 79.7519% | 6,004 |
| Equity capital to assets | 9.9903% | 3,785 |
| Core capital (leverage) ratio | 9.6614% | 3,581 |
| Tier 1 risk-based capital ratio | 14.1224% | 3,989 |
| Total risk-based capital ratio | 15.3723% | 3,963 |
| Memoranda: | ||
| Average total assets | $140,753,000 | 4,052 |
| Average earning assets | $132,689,000 | 3,964 |
| Average equity | $14,355,500 | 4,035 |
| Average total loans | $76,029,000 | 4,385 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 5,610 |
| Cost of funding earning assets | 1.0107% | 5,641 |
| Net interest margin | 3.7413% | 4,172 |
| Noninterest income to average assets | 0.5609% | 3,741 |
| Noninterest expense to average assets | 1.6267% | 7,390 |
| Loan and lease loss provision to assets | 0.0729% | 6,420 |
| Net operating income to assets | 1.6978% | 520 |
| Return on assets (ROA) | 1.7981% | 452 |
| Pretax return on assets | 2.5137% | 183 |
| Return on Equity (ROE) | 17.9372% | 384 |
| Retained earnings to average equity (ytd only) | 9.2051% | 662 |
| Net charge-offs to loans | 0.3713% | 4,176 |
| Credit loss provision to net charge-offs | 35.5872% | 6,442 |
| Earnings coverage of net charge-offs (x) | 11.9395% | 1,552 |
| Efficiency ratio | 39.9284% | 7,508 |
| Assets per employee ($millions) | 5.8998% | 1,282 |
| Cash dividends to net income (ytd only)* | 48.6815% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 3,828 |
| Loan loss allowance to noncurrent loans | 2,593.3333% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 5,415 |
| Noncurrent loans to loans | 0.0593% | 6,972 |
| Net loans and leases to total assets | 55.0529% | 5,480 |
| Net loans and leases to deposits | 71.5617% | 4,593 |
| Net loans and leases to core deposits | 80.4315% | 4,149 |
| Total domestic deposits to total assets | 76.9306% | 6,488 |
| Equity capital to assets | 10.4234% | 3,248 |
| Core capital (leverage) ratio | 9.9195% | 3,180 |
| Tier 1 risk-based capital ratio | 14.0873% | 3,815 |
| Total risk-based capital ratio | 15.3378% | 3,783 |
| Memoranda: | ||
| Average total assets | $137,089,400 | 4,117 |
| Average earning assets | $128,725,400 | 4,047 |
| Average equity | $13,742,400 | 4,200 |
| Average total loans | $75,686,600 | 4,466 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8005% | 5,656 |
| Cost of funding earning assets | 1.0214% | 5,841 |
| Net interest margin | 3.7791% | 4,060 |
| Noninterest income to average assets | 0.5248% | 3,987 |
| Noninterest expense to average assets | 1.6046% | 7,499 |
| Loan and lease loss provision to assets | 0.0970% | 6,052 |
| Net operating income to assets | 1.6690% | 659 |
| Return on assets (ROA) | 1.8005% | 549 |
| Pretax return on assets | 2.5368% | 212 |
| Return on Equity (ROE) | 18.1396% | 473 |
| Retained earnings to average equity (ytd only) | 9.3434% | 948 |
| Net charge-offs to loans | 0.4918% | 3,309 |
| Credit loss provision to net charge-offs | 35.8423% | 6,085 |
| Earnings coverage of net charge-offs (x) | 9.0466% | 2,073 |
| Efficiency ratio | 39.5883% | 7,590 |
| Assets per employee ($millions) | 6.2406% | 1,100 |
| Cash dividends to net income (ytd only)* | 48.4915% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 3,829 |
| Loan loss allowance to noncurrent loans | 982.3529% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 5,591 |
| Noncurrent loans to loans | 0.1557% | 6,866 |
| Net loans and leases to total assets | 52.4377% | 6,053 |
| Net loans and leases to deposits | 65.4498% | 5,730 |
| Net loans and leases to core deposits | 71.7229% | 5,547 |
| Total domestic deposits to total assets | 80.1190% | 5,666 |
| Equity capital to assets | 9.9753% | 4,186 |
| Core capital (leverage) ratio | 9.8273% | 3,457 |
| Tier 1 risk-based capital ratio | 13.5200% | 4,191 |
| Total risk-based capital ratio | 14.7708% | 4,140 |
| Memoranda: | ||
| Average total assets | $137,438,000 | 4,155 |
| Average earning assets | $128,316,250 | 4,102 |
| Average equity | $13,642,000 | 4,291 |
| Average total loans | $75,640,500 | 4,533 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 6,212 |
| Cost of funding earning assets | 1.0075% | 6,100 |
| Net interest margin | 3.6719% | 4,489 |
| Noninterest income to average assets | 0.5376% | 3,814 |
| Noninterest expense to average assets | 1.5982% | 7,567 |
| Loan and lease loss provision to assets | 0.1477% | 5,422 |
| Net operating income to assets | 1.6136% | 708 |
| Return on assets (ROA) | 1.7636% | 565 |
| Pretax return on assets | 2.4859% | 239 |
| Return on Equity (ROE) | 17.7988% | 482 |
| Retained earnings to average equity (ytd only) | 8.8547% | 1,151 |
| Net charge-offs to loans | 0.0027% | 6,347 |
| Credit loss provision to net charge-offs | 10,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,640.0000% | 9 |
| Efficiency ratio | 39.7502% | 7,650 |
| Assets per employee ($millions) | 5.8887% | 1,307 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9073% | 2,391 |
| Loan loss allowance to noncurrent loans | 220.2435% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1762% | 4,789 |
| Noncurrent loans to loans | 0.8660% | 5,538 |
| Net loans and leases to total assets | 54.9458% | 5,850 |
| Net loans and leases to deposits | 69.4062% | 5,364 |
| Net loans and leases to core deposits | 76.3818% | 5,153 |
| Total domestic deposits to total assets | 79.1655% | 5,992 |
| Equity capital to assets | 10.1869% | 3,786 |
| Core capital (leverage) ratio | 9.5399% | 3,761 |
| Tier 1 risk-based capital ratio | 13.4823% | 4,081 |
| Total risk-based capital ratio | 14.7363% | 4,042 |
| Memoranda: | ||
| Average total assets | $135,406,000 | 4,228 |
| Average earning assets | $128,433,330 | 4,124 |
| Average equity | $13,416,670 | 4,347 |
| Average total loans | $75,375,670 | 4,585 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 6,441 |
| Cost of funding earning assets | 1.0359% | 6,195 |
| Net interest margin | 3.6040% | 4,710 |
| Noninterest income to average assets | 0.5111% | 3,965 |
| Noninterest expense to average assets | 1.5924% | 7,663 |
| Loan and lease loss provision to assets | 0.2954% | 3,667 |
| Net operating income to assets | 1.4775% | 929 |
| Return on assets (ROA) | 1.6072% | 792 |
| Pretax return on assets | 2.2365% | 397 |
| Return on Equity (ROE) | 16.4518% | 659 |
| Retained earnings to average equity (ytd only) | 7.3791% | 1,985 |
| Net charge-offs to loans | 0.0160% | 5,359 |
| Credit loss provision to net charge-offs | 3,333.3333% | 140 |
| Earnings coverage of net charge-offs (x) | 265.3333% | 127 |
| Efficiency ratio | 40.3745% | 7,721 |
| Assets per employee ($millions) | 5.9057% | 1,332 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9572% | 2,290 |
| Loan loss allowance to noncurrent loans | 111.8421% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 1.6403% | 4,024 |
| Noncurrent loans to loans | 1.7499% | 4,124 |
| Net loans and leases to total assets | 53.2908% | 6,115 |
| Net loans and leases to deposits | 67.8165% | 5,616 |
| Net loans and leases to core deposits | 76.6419% | 5,173 |
| Total domestic deposits to total assets | 78.5809% | 6,177 |
| Equity capital to assets | 9.8423% | 4,060 |
| Core capital (leverage) ratio | 9.4735% | 3,808 |
| Tier 1 risk-based capital ratio | 13.3185% | 4,112 |
| Total risk-based capital ratio | 14.5735% | 4,061 |
| Memoranda: | ||
| Average total assets | $135,389,500 | 4,292 |
| Average earning assets | $128,969,000 | 4,172 |
| Average equity | $13,226,500 | 4,429 |
| Average total loans | $75,131,000 | 4,674 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 6,605 |
| Cost of funding earning assets | 1.3086% | 6,278 |
| Net interest margin | 3.6352% | 4,405 |
| Noninterest income to average assets | 0.2679% | 6,200 |
| Noninterest expense to average assets | 1.7092% | 7,695 |
| Loan and lease loss provision to assets | 0.4451% | 4,158 |
| Net operating income to assets | 1.1888% | 1,273 |
| Return on assets (ROA) | 1.1221% | 1,493 |
| Pretax return on assets | 1.4191% | 1,386 |
| Return on Equity (ROE) | 11.5100% | 1,287 |
| Retained earnings to average equity (ytd only) | 2.0627% | 3,664 |
| Net charge-offs to loans | 0.0277% | 6,856 |
| Credit loss provision to net charge-offs | 2,900.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 126.9500% | 226 |
| Efficiency ratio | 46.7268% | 7,678 |
| Assets per employee ($millions) | 5.8673% | 1,346 |
| Cash dividends to net income (ytd only)* | 82.0793% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7637% | 2,661 |
| Loan loss allowance to noncurrent loans | 104.1731% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 1.7296% | 3,779 |
| Noncurrent loans to loans | 1.6930% | 4,103 |
| Net loans and leases to total assets | 55.6389% | 6,010 |
| Net loans and leases to deposits | 67.8201% | 5,855 |
| Net loans and leases to core deposits | 83.2563% | 5,795 |
| Total domestic deposits to total assets | 82.0389% | 4,931 |
| Equity capital to assets | 9.6957% | 4,149 |
| Core capital (leverage) ratio | 8.9814% | 4,453 |
| Tier 1 risk-based capital ratio | 12.5214% | 4,505 |
| Total risk-based capital ratio | 13.7735% | 4,449 |
| Memoranda: | ||
| Average total assets | $130,294,400 | 4,331 |
| Average earning assets | $121,506,200 | 4,276 |
| Average equity | $12,702,000 | 4,591 |
| Average total loans | $72,178,000 | 4,793 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 6,645 |
| Cost of funding earning assets | 1.3594% | 6,370 |
| Net interest margin | 3.6266% | 4,390 |
| Noninterest income to average assets | 0.4450% | 4,933 |
| Noninterest expense to average assets | 1.6675% | 7,787 |
| Loan and lease loss provision to assets | 0.4440% | 3,686 |
| Net operating income to assets | 1.2944% | 1,234 |
| Return on assets (ROA) | 1.2080% | 1,503 |
| Pretax return on assets | 1.5859% | 1,202 |
| Return on Equity (ROE) | 12.3743% | 1,273 |
| Retained earnings to average equity (ytd only) | 2.8556% | 3,735 |
| Net charge-offs to loans | 0.0094% | 6,816 |
| Credit loss provision to net charge-offs | 8,600.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 414.9820% | 86 |
| Efficiency ratio | 43.7551% | 7,844 |
| Assets per employee ($millions) | 5.6734% | 1,455 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 2,760 |
| Loan loss allowance to noncurrent loans | 70.6876% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 2.2238% | 3,066 |
| Noncurrent loans to loans | 2.3510% | 3,202 |
| Net loans and leases to total assets | 52.7144% | 6,534 |
| Net loans and leases to deposits | 66.0571% | 6,303 |
| Net loans and leases to core deposits | 79.7398% | 6,379 |
| Total domestic deposits to total assets | 79.8013% | 5,519 |
| Equity capital to assets | 9.6407% | 4,570 |
| Core capital (leverage) ratio | 9.3462% | 4,121 |
| Tier 1 risk-based capital ratio | 12.9706% | 4,211 |
| Total risk-based capital ratio | 14.2221% | 4,142 |
| Memoranda: | ||
| Average total assets | $129,131,250 | 4,388 |
| Average earning assets | $119,853,250 | 4,350 |
| Average equity | $12,606,500 | 4,631 |
| Average total loans | $71,114,750 | 4,873 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1811% | 6,143 |
| Cost of funding earning assets | 1.4118% | 6,440 |
| Net interest margin | 3.7693% | 3,680 |
| Noninterest income to average assets | 0.5931% | 3,749 |
| Noninterest expense to average assets | 1.7131% | 7,819 |
| Loan and lease loss provision to assets | 0.3628% | 3,750 |
| Net operating income to assets | 1.4960% | 843 |
| Return on assets (ROA) | 1.3676% | 1,158 |
| Pretax return on assets | 1.8393% | 786 |
| Return on Equity (ROE) | 13.9468% | 1,001 |
| Retained earnings to average equity (ytd only) | 4.2950% | 2,910 |
| Net charge-offs to loans | 0.0170% | 6,286 |
| Credit loss provision to net charge-offs | 3,833.3333% | 130 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 162 |
| Efficiency ratio | 41.8981% | 7,976 |
| Assets per employee ($millions) | 5.5456% | 1,546 |
| Cash dividends to net income (ytd only)* | 69.2042% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 3,485 |
| Loan loss allowance to noncurrent loans | 177.8559% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 1.5125% | 3,959 |
| Noncurrent loans to loans | 0.8134% | 5,599 |
| Net loans and leases to total assets | 51.7983% | 6,710 |
| Net loans and leases to deposits | 64.5406% | 6,512 |
| Net loans and leases to core deposits | 77.0187% | 6,611 |
| Total domestic deposits to total assets | 80.2570% | 5,368 |
| Equity capital to assets | 9.5556% | 4,543 |
| Core capital (leverage) ratio | 9.5107% | 3,867 |
| Tier 1 risk-based capital ratio | 13.5967% | 3,762 |
| Total risk-based capital ratio | 14.8144% | 3,706 |
| Memoranda: | ||
| Average total assets | $126,787,670 | 4,455 |
| Average earning assets | $117,582,330 | 4,428 |
| Average equity | $12,433,000 | 4,696 |
| Average total loans | $70,489,670 | 4,939 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3647% | 5,596 |
| Cost of funding earning assets | 1.4779% | 6,473 |
| Net interest margin | 3.8869% | 3,090 |
| Noninterest income to average assets | 0.5921% | 3,607 |
| Noninterest expense to average assets | 1.8247% | 7,667 |
| Loan and lease loss provision to assets | 0.7280% | 1,762 |
| Net operating income to assets | 1.2467% | 1,517 |
| Return on assets (ROA) | 1.1130% | 2,039 |
| Pretax return on assets | 1.4333% | 1,869 |
| Return on Equity (ROE) | 11.1956% | 1,913 |
| Retained earnings to average equity (ytd only) | 1.4320% | 5,053 |
| Net charge-offs to loans | -0.0113% | 7,302 |
| Credit loss provision to net charge-offs | -11,250.0000% | 6,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8911% | 7,932 |
| Assets per employee ($millions) | 5.2282% | 1,820 |
| Cash dividends to net income (ytd only)* | 87.2093% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 3,310 |
| Loan loss allowance to noncurrent loans | 179.0123% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 1.7844% | 3,245 |
| Noncurrent loans to loans | 0.8027% | 5,429 |
| Net loans and leases to total assets | 55.4879% | 6,310 |
| Net loans and leases to deposits | 67.9146% | 6,194 |
| Net loans and leases to core deposits | 78.6330% | 6,488 |
| Total domestic deposits to total assets | 81.7025% | 4,676 |
| Equity capital to assets | 9.8632% | 4,163 |
| Core capital (leverage) ratio | 10.2195% | 3,182 |
| Tier 1 risk-based capital ratio | 13.0708% | 4,142 |
| Total risk-based capital ratio | 14.2647% | 4,096 |
| Memoranda: | ||
| Average total assets | $123,634,000 | 4,554 |
| Average earning assets | $113,407,500 | 4,548 |
| Average equity | $12,290,500 | 4,754 |
| Average total loans | $70,758,000 | 4,955 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5817% | 7,129 |
| Cost of funding earning assets | 1.9905% | 6,437 |
| Net interest margin | 3.5912% | 4,929 |
| Noninterest income to average assets | 0.6246% | 3,678 |
| Noninterest expense to average assets | 1.5814% | 7,980 |
| Loan and lease loss provision to assets | 0.0523% | 6,764 |
| Net operating income to assets | 1.7243% | 643 |
| Return on assets (ROA) | 1.4436% | 1,089 |
| Pretax return on assets | 1.9660% | 671 |
| Return on Equity (ROE) | 14.6476% | 985 |
| Retained earnings to average equity (ytd only) | 4.5342% | 2,301 |
| Net charge-offs to loans | 0.0556% | 5,986 |
| Credit loss provision to net charge-offs | 165.7895% | 3,102 |
| Earnings coverage of net charge-offs (x) | 76.1316% | 536 |
| Efficiency ratio | 39.6915% | 8,138 |
| Assets per employee ($millions) | 5.0747% | 1,876 |
| Cash dividends to net income (ytd only)* | 69.0449% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 5,186 |
| Loan loss allowance to noncurrent loans | 1,212.3077% | 431 |
| Noncurrent assets plus other real estate owned to assets | 1.4131% | 3,373 |
| Noncurrent loans to loans | 0.0917% | 7,149 |
| Net loans and leases to total assets | 57.5481% | 6,264 |
| Net loans and leases to deposits | 74.0085% | 5,844 |
| Net loans and leases to core deposits | 83.1937% | 6,366 |
| Total domestic deposits to total assets | 77.7588% | 5,789 |
| Equity capital to assets | 10.0212% | 4,012 |
| Core capital (leverage) ratio | 10.2589% | 3,210 |
| Tier 1 risk-based capital ratio | 12.5241% | 4,419 |
| Total risk-based capital ratio | 13.4376% | 4,567 |
| Memoranda: | ||
| Average total assets | $120,397,200 | 4,507 |
| Average earning assets | $112,635,000 | 4,456 |
| Average equity | $11,865,400 | 4,864 |
| Average total loans | $68,353,200 | 4,931 |