Home > Templeton Savings Bank > Performance and Condition Ratios
Templeton Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 4,156 |
| Cost of funding earning assets | 0.8340% | 3,653 |
| Net interest margin | 2.9902% | 3,306 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.0376% | 3,537 |
| Loan and lease loss provision to assets | -0.2000% | 4,559 |
| Net operating income to assets | 0.9323% | 2,438 |
| Return on assets (ROA) | 0.9323% | 2,414 |
| Pretax return on assets | 1.2290% | 2,065 |
| Return on Equity (ROE) | 7.3100% | 3,207 |
| Retained earnings to average equity (ytd only) | 4.4841% | 2,795 |
| Net charge-offs to loans | -0.0102% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.4837% | 2,292 |
| Assets per employee ($millions) | 10.2993% | 644 |
| Cash dividends to net income (ytd only)* | 38.6598% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 1,304 |
| Loan loss allowance to noncurrent loans | 8,016.6667% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 3,703 |
| Noncurrent loans to loans | 0.0177% | 3,622 |
| Net loans and leases to total assets | 60.7100% | 2,784 |
| Net loans and leases to deposits | 77.6975% | 2,298 |
| Net loans and leases to core deposits | 82.7018% | 2,542 |
| Total domestic deposits to total assets | 78.1300% | 3,710 |
| Equity capital to assets | 13.4961% | 771 |
| Core capital (leverage) ratio | 13.4304% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $166,471,400 | 3,218 |
| Average earning assets | $161,396,200 | 3,158 |
| Average equity | $21,230,800 | 2,756 |
| Average total loans | $98,032,200 | 3,197 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7282% | 4,183 |
| Cost of funding earning assets | 0.6873% | 3,794 |
| Net interest margin | 3.0409% | 3,259 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.0508% | 3,464 |
| Loan and lease loss provision to assets | -0.2800% | 4,598 |
| Net operating income to assets | 1.0122% | 2,333 |
| Return on assets (ROA) | 1.0122% | 2,316 |
| Pretax return on assets | 1.3477% | 1,903 |
| Return on Equity (ROE) | 8.0500% | 3,175 |
| Retained earnings to average equity (ytd only) | 6.1458% | 2,587 |
| Net charge-offs to loans | -0.0137% | 4,027 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.7026% | 2,308 |
| Assets per employee ($millions) | 10.3792% | 599 |
| Cash dividends to net income (ytd only)* | 23.6780% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 1,399 |
| Loan loss allowance to noncurrent loans | 7,536.8421% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,741 |
| Noncurrent loans to loans | 0.0188% | 3,632 |
| Net loans and leases to total assets | 60.1300% | 2,830 |
| Net loans and leases to deposits | 76.4827% | 2,377 |
| Net loans and leases to core deposits | 80.6019% | 2,556 |
| Total domestic deposits to total assets | 78.6200% | 3,751 |
| Equity capital to assets | 13.0471% | 805 |
| Core capital (leverage) ratio | 13.1653% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $166,892,250 | 3,222 |
| Average earning assets | $161,789,750 | 3,168 |
| Average equity | $20,978,500 | 2,762 |
| Average total loans | $97,169,250 | 3,208 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 4,241 |
| Cost of funding earning assets | 0.5623% | 3,850 |
| Net interest margin | 3.0460% | 3,326 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.7743% | 4,049 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0050% | 2,398 |
| Return on assets (ROA) | 1.0050% | 2,398 |
| Pretax return on assets | 1.3376% | 1,968 |
| Return on Equity (ROE) | 8.1000% | 3,210 |
| Retained earnings to average equity (ytd only) | 6.6509% | 2,395 |
| Net charge-offs to loans | -0.0209% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.4952% | 3,356 |
| Assets per employee ($millions) | 10.0484% | 660 |
| Cash dividends to net income (ytd only)* | 17.8571% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8970% | 499 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.9900% | 2,961 |
| Net loans and leases to deposits | 67.0594% | 2,990 |
| Net loans and leases to core deposits | 70.0531% | 3,128 |
| Total domestic deposits to total assets | 86.4800% | 2,096 |
| Equity capital to assets | 13.1581% | 779 |
| Core capital (leverage) ratio | 12.6971% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $167,167,333 | 3,232 |
| Average earning assets | $162,178,667 | 3,177 |
| Average equity | $20,749,000 | 2,796 |
| Average total loans | $95,797,667 | 3,221 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4262% | 4,349 |
| Cost of funding earning assets | 0.4860% | 3,743 |
| Net interest margin | 2.9402% | 3,720 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.7891% | 4,050 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8852% | 2,899 |
| Return on assets (ROA) | 0.8852% | 2,854 |
| Pretax return on assets | 1.1857% | 2,460 |
| Return on Equity (ROE) | 7.3400% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.3396% | 2,409 |
| Net charge-offs to loans | -0.0416% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.5778% | 3,004 |
| Assets per employee ($millions) | 10.6979% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 499 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 53.1300% | 3,269 |
| Net loans and leases to deposits | 60.6392% | 3,296 |
| Net loans and leases to core deposits | 63.2053% | 3,380 |
| Total domestic deposits to total assets | 87.6200% | 2,054 |
| Equity capital to assets | 12.2320% | 933 |
| Core capital (leverage) ratio | 12.2468% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $170,363,500 | 3,258 |
| Average earning assets | $165,430,000 | 3,186 |
| Average equity | $20,546,000 | 2,838 |
| Average total loans | $96,175,000 | 3,252 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9580% | 4,181 |
| Cost of funding earning assets | 0.2509% | 3,315 |
| Net interest margin | 2.7071% | 4,046 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.7117% | 4,156 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8259% | 3,234 |
| Return on assets (ROA) | 0.8259% | 3,168 |
| Pretax return on assets | 1.0907% | 2,802 |
| Return on Equity (ROE) | 6.6200% | 3,710 |
| Retained earnings to average equity (ytd only) | 3.7062% | 3,494 |
| Net charge-offs to loans | 0.0108% | 1,971 |
| Credit loss provision to net charge-offs | 480.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 184.8000% | 689 |
| Efficiency ratio | 60.4537% | 2,992 |
| Assets per employee ($millions) | 10.5976% | 564 |
| Cash dividends to net income (ytd only)* | 44.0205% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7748% | 692 |
| Loan loss allowance to noncurrent loans | 5,200.0000% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 3,647 |
| Noncurrent loans to loans | 0.0341% | 3,536 |
| Net loans and leases to total assets | 57.7100% | 2,843 |
| Net loans and leases to deposits | 72.9447% | 2,332 |
| Net loans and leases to core deposits | 76.2050% | 2,402 |
| Total domestic deposits to total assets | 79.1100% | 3,990 |
| Equity capital to assets | 11.8866% | 967 |
| Core capital (leverage) ratio | 12.3316% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $165,038,000 | 3,306 |
| Average earning assets | $160,243,400 | 3,240 |
| Average equity | $20,587,200 | 2,897 |
| Average total loans | $92,907,200 | 3,249 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8698% | 4,096 |
| Cost of funding earning assets | 0.2077% | 3,180 |
| Net interest margin | 2.6621% | 3,999 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.6741% | 4,197 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8289% | 3,139 |
| Return on assets (ROA) | 0.8289% | 3,107 |
| Pretax return on assets | 1.1047% | 2,706 |
| Return on Equity (ROE) | 6.5600% | 3,683 |
| Retained earnings to average equity (ytd only) | 4.6322% | 3,227 |
| Net charge-offs to loans | 0.0146% | 1,582 |
| Credit loss provision to net charge-offs | 360.0000% | 739 |
| Earnings coverage of net charge-offs (x) | 139.4000% | 778 |
| Efficiency ratio | 59.6176% | 3,160 |
| Assets per employee ($millions) | 10.3710% | 583 |
| Cash dividends to net income (ytd only)* | 29.4406% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 682 |
| Loan loss allowance to noncurrent loans | 4,086.0465% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,673 |
| Noncurrent loans to loans | 0.0450% | 3,568 |
| Net loans and leases to total assets | 56.5100% | 2,853 |
| Net loans and leases to deposits | 66.7932% | 2,646 |
| Net loans and leases to core deposits | 69.8122% | 2,656 |
| Total domestic deposits to total assets | 84.6000% | 3,366 |
| Equity capital to assets | 12.0583% | 875 |
| Core capital (leverage) ratio | 12.1441% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $163,907,250 | 3,343 |
| Average earning assets | $159,170,500 | 3,273 |
| Average equity | $20,695,250 | 2,931 |
| Average total loans | $91,230,000 | 3,278 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7079% | 4,130 |
| Cost of funding earning assets | 0.1929% | 3,014 |
| Net interest margin | 2.5150% | 4,064 |
| Noninterest income to average assets | 0.2512% | 3,665 |
| Noninterest expense to average assets | 1.6553% | 4,204 |
| Loan and lease loss provision to assets | 0.0294% | 2,065 |
| Net operating income to assets | 0.7597% | 3,111 |
| Return on assets (ROA) | 0.7597% | 3,069 |
| Pretax return on assets | 1.0108% | 2,688 |
| Return on Equity (ROE) | 5.9262% | 3,594 |
| Retained earnings to average equity (ytd only) | 4.4924% | 2,886 |
| Net charge-offs to loans | 0.0223% | 1,280 |
| Credit loss provision to net charge-offs | 240.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 84.9000% | 902 |
| Efficiency ratio | 61.4091% | 3,124 |
| Assets per employee ($millions) | 10.1055% | 636 |
| Cash dividends to net income (ytd only)* | 24.1935% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9176% | 639 |
| Loan loss allowance to noncurrent loans | 804.1475% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 2,821 |
| Noncurrent loans to loans | 0.2385% | 2,526 |
| Net loans and leases to total assets | 51.9547% | 3,159 |
| Net loans and leases to deposits | 59.0225% | 3,130 |
| Net loans and leases to core deposits | 61.7771% | 3,132 |
| Total domestic deposits to total assets | 88.0252% | 2,561 |
| Equity capital to assets | 11.9381% | 900 |
| Core capital (leverage) ratio | 11.9894% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,231,000 | 3,380 |
| Average earning assets | $158,647,333 | 3,324 |
| Average equity | $20,924,000 | 2,979 |
| Average total loans | $89,798,000 | 3,330 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6380% | 4,053 |
| Cost of funding earning assets | 0.1892% | 2,962 |
| Net interest margin | 2.4488% | 3,993 |
| Noninterest income to average assets | 0.1736% | 4,128 |
| Noninterest expense to average assets | 1.6936% | 4,141 |
| Loan and lease loss provision to assets | 0.0302% | 1,825 |
| Net operating income to assets | 0.6216% | 3,324 |
| Return on assets (ROA) | 0.6216% | 3,306 |
| Pretax return on assets | 0.8279% | 3,020 |
| Return on Equity (ROE) | 4.6755% | 3,706 |
| Retained earnings to average equity (ytd only) | 4.6755% | 2,715 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3708% | 2,721 |
| Assets per employee ($millions) | 9.7529% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0011% | 610 |
| Loan loss allowance to noncurrent loans | 2,076.1905% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,538 |
| Noncurrent loans to loans | 0.0964% | 3,360 |
| Net loans and leases to total assets | 51.5115% | 3,026 |
| Net loans and leases to deposits | 58.9352% | 2,995 |
| Net loans and leases to core deposits | 62.1130% | 2,965 |
| Total domestic deposits to total assets | 87.4035% | 2,784 |
| Equity capital to assets | 12.5386% | 795 |
| Core capital (leverage) ratio | 12.0687% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,949,500 | 3,429 |
| Average earning assets | $154,358,500 | 3,371 |
| Average equity | $21,131,500 | 3,048 |
| Average total loans | $89,197,000 | 3,337 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3844% | 2,974 |
| Cost of funding earning assets | 0.2398% | 3,045 |
| Net interest margin | 3.1446% | 2,751 |
| Noninterest income to average assets | 0.2431% | 3,917 |
| Noninterest expense to average assets | 1.9012% | 3,920 |
| Loan and lease loss provision to assets | 0.0504% | 2,050 |
| Net operating income to assets | 1.0111% | 2,626 |
| Return on assets (ROA) | 1.0111% | 2,702 |
| Pretax return on assets | 1.3427% | 2,232 |
| Return on Equity (ROE) | 7.3100% | 3,438 |
| Retained earnings to average equity (ytd only) | 4.5056% | 3,003 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7119% | 3,489 |
| Assets per employee ($millions) | 8.9470% | 934 |
| Cash dividends to net income (ytd only)* | 38.3632% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 731 |
| Loan loss allowance to noncurrent loans | 3,848.8889% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 3,832 |
| Noncurrent loans to loans | 0.0493% | 3,725 |
| Net loans and leases to total assets | 58.8511% | 2,287 |
| Net loans and leases to deposits | 68.7274% | 2,245 |
| Net loans and leases to core deposits | 72.0500% | 2,256 |
| Total domestic deposits to total assets | 85.6298% | 3,045 |
| Equity capital to assets | 14.1184% | 641 |
| Core capital (leverage) ratio | 12.4603% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,690,400 | 3,444 |
| Average earning assets | $150,099,800 | 3,379 |
| Average equity | $21,395,400 | 3,104 |
| Average total loans | $89,580,000 | 3,339 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5478% | 2,701 |
| Cost of funding earning assets | 0.2511% | 3,118 |
| Net interest margin | 3.2967% | 2,425 |
| Noninterest income to average assets | 0.1863% | 4,267 |
| Noninterest expense to average assets | 1.8076% | 4,151 |
| Loan and lease loss provision to assets | 0.0509% | 1,978 |
| Net operating income to assets | 1.1476% | 2,375 |
| Return on assets (ROA) | 1.1476% | 2,435 |
| Pretax return on assets | 1.5287% | 1,909 |
| Return on Equity (ROE) | 8.3395% | 3,300 |
| Retained earnings to average equity (ytd only) | 6.4682% | 2,631 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3705% | 3,889 |
| Assets per employee ($millions) | 9.2796% | 818 |
| Cash dividends to net income (ytd only)* | 22.4383% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9494% | 698 |
| Loan loss allowance to noncurrent loans | 3,890.9091% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 3,990 |
| Noncurrent loans to loans | 0.0501% | 3,863 |
| Net loans and leases to total assets | 54.5856% | 2,897 |
| Net loans and leases to deposits | 63.5266% | 2,903 |
| Net loans and leases to core deposits | 66.0016% | 2,956 |
| Total domestic deposits to total assets | 85.9256% | 2,779 |
| Equity capital to assets | 13.7955% | 783 |
| Core capital (leverage) ratio | 12.5876% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,338,250 | 3,470 |
| Average earning assets | $150,814,250 | 3,403 |
| Average equity | $21,375,750 | 3,138 |
| Average total loans | $89,164,000 | 3,392 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 1,808 |
| Cost of funding earning assets | 0.2665% | 3,118 |
| Net interest margin | 3.6364% | 1,507 |
| Noninterest income to average assets | 0.1941% | 4,227 |
| Noninterest expense to average assets | 1.8132% | 4,160 |
| Loan and lease loss provision to assets | 0.0505% | 2,027 |
| Net operating income to assets | 1.3978% | 1,576 |
| Return on assets (ROA) | 1.3978% | 1,644 |
| Pretax return on assets | 1.8624% | 1,094 |
| Return on Equity (ROE) | 10.1663% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.7543% | 1,801 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6627% | 4,344 |
| Assets per employee ($millions) | 9.2743% | 779 |
| Cash dividends to net income (ytd only)* | 13.8889% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8534% | 807 |
| Loan loss allowance to noncurrent loans | 1,727.5510% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 3,813 |
| Noncurrent loans to loans | 0.1073% | 3,649 |
| Net loans and leases to total assets | 56.8624% | 2,798 |
| Net loans and leases to deposits | 66.2281% | 2,805 |
| Net loans and leases to core deposits | 69.2740% | 2,844 |
| Total domestic deposits to total assets | 85.8584% | 2,788 |
| Equity capital to assets | 13.7141% | 772 |
| Core capital (leverage) ratio | 12.5934% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,533,000 | 3,485 |
| Average earning assets | $150,093,000 | 3,413 |
| Average equity | $21,246,667 | 3,150 |
| Average total loans | $89,611,000 | 3,407 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0595% | 1,488 |
| Cost of funding earning assets | 0.2909% | 3,091 |
| Net interest margin | 3.7686% | 1,202 |
| Noninterest income to average assets | 0.1569% | 4,418 |
| Noninterest expense to average assets | 1.8174% | 4,180 |
| Loan and lease loss provision to assets | 0.0497% | 2,097 |
| Net operating income to assets | 1.4434% | 1,455 |
| Return on assets (ROA) | 1.4434% | 1,523 |
| Pretax return on assets | 1.9481% | 1,031 |
| Return on Equity (ROE) | 10.4848% | 2,539 |
| Retained earnings to average equity (ytd only) | 10.4848% | 1,521 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6354% | 4,364 |
| Assets per employee ($millions) | 9.0595% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8817% | 761 |
| Loan loss allowance to noncurrent loans | 1,521.8182% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,863 |
| Noncurrent loans to loans | 0.1236% | 3,695 |
| Net loans and leases to total assets | 56.6761% | 2,958 |
| Net loans and leases to deposits | 66.0917% | 2,909 |
| Net loans and leases to core deposits | 69.2789% | 2,935 |
| Total domestic deposits to total assets | 85.7537% | 2,833 |
| Equity capital to assets | 13.8392% | 705 |
| Core capital (leverage) ratio | 12.9221% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,968,000 | 3,501 |
| Average earning assets | $148,490,500 | 3,434 |
| Average equity | $21,059,000 | 3,152 |
| Average total loans | $88,744,500 | 3,429 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 3,443 |
| Cost of funding earning assets | 0.5506% | 2,610 |
| Net interest margin | 3.1997% | 3,364 |
| Noninterest income to average assets | 0.1936% | 4,317 |
| Noninterest expense to average assets | 2.0312% | 4,082 |
| Loan and lease loss provision to assets | 0.0572% | 3,652 |
| Net operating income to assets | 0.9024% | 2,685 |
| Return on assets (ROA) | 0.9041% | 2,813 |
| Pretax return on assets | 1.1923% | 2,350 |
| Return on Equity (ROE) | 5.9818% | 3,595 |
| Retained earnings to average equity (ytd only) | 3.0710% | 3,316 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9548% | 3,143 |
| Assets per employee ($millions) | 8.9367% | 757 |
| Cash dividends to net income (ytd only)* | 48.6618% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8684% | 772 |
| Loan loss allowance to noncurrent loans | 1,503.6364% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,972 |
| Noncurrent loans to loans | 0.1243% | 3,785 |
| Net loans and leases to total assets | 57.1819% | 3,180 |
| Net loans and leases to deposits | 66.5199% | 3,224 |
| Net loans and leases to core deposits | 69.0301% | 3,331 |
| Total domestic deposits to total assets | 85.9621% | 2,381 |
| Equity capital to assets | 13.6937% | 877 |
| Core capital (leverage) ratio | 13.2864% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,375,000 | 3,552 |
| Average earning assets | $131,482,400 | 3,486 |
| Average equity | $20,612,400 | 3,129 |
| Average total loans | $90,912,000 | 3,385 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 2,887 |
| Cost of funding earning assets | 0.6148% | 2,518 |
| Net interest margin | 3.4160% | 2,864 |
| Noninterest income to average assets | 0.2003% | 4,277 |
| Noninterest expense to average assets | 2.0801% | 3,989 |
| Loan and lease loss provision to assets | 0.0596% | 3,598 |
| Net operating income to assets | 1.0120% | 2,295 |
| Return on assets (ROA) | 1.0144% | 2,413 |
| Pretax return on assets | 1.3515% | 1,872 |
| Return on Equity (ROE) | 6.5354% | 3,361 |
| Retained earnings to average equity (ytd only) | 4.5903% | 2,751 |
| Net charge-offs to loans | -0.0015% | 3,850 |
| Credit loss provision to net charge-offs | -5,800.0000% | 4,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6365% | 3,440 |
| Assets per employee ($millions) | 8.1469% | 949 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8553% | 641 |
| Loan loss allowance to noncurrent loans | 234.0974% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 2,191 |
| Noncurrent loans to loans | 0.7925% | 1,839 |
| Net loans and leases to total assets | 62.4107% | 2,955 |
| Net loans and leases to deposits | 73.8860% | 2,966 |
| Net loans and leases to core deposits | 77.3825% | 3,061 |
| Total domestic deposits to total assets | 84.4690% | 2,646 |
| Equity capital to assets | 15.0769% | 621 |
| Core capital (leverage) ratio | 13.6486% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,487,750 | 3,586 |
| Average earning assets | $127,515,250 | 3,521 |
| Average equity | $20,564,500 | 3,130 |
| Average total loans | $91,508,250 | 3,394 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 3,000 |
| Cost of funding earning assets | 0.6599% | 2,628 |
| Net interest margin | 3.4590% | 2,920 |
| Noninterest income to average assets | 0.2161% | 4,191 |
| Noninterest expense to average assets | 2.1045% | 4,020 |
| Loan and lease loss provision to assets | 0.0598% | 3,556 |
| Net operating income to assets | 1.0340% | 2,210 |
| Return on assets (ROA) | 1.0377% | 2,328 |
| Pretax return on assets | 1.3825% | 1,769 |
| Return on Equity (ROE) | 6.6181% | 3,281 |
| Retained earnings to average equity (ytd only) | 5.1518% | 2,399 |
| Net charge-offs to loans | -0.0022% | 3,834 |
| Credit loss provision to net charge-offs | -3,900.0000% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4115% | 3,502 |
| Assets per employee ($millions) | 8.0638% | 944 |
| Cash dividends to net income (ytd only)* | 22.1566% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 647 |
| Loan loss allowance to noncurrent loans | 638.7352% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 3,611 |
| Noncurrent loans to loans | 0.2823% | 3,370 |
| Net loans and leases to total assets | 64.1935% | 2,857 |
| Net loans and leases to deposits | 76.0559% | 2,855 |
| Net loans and leases to core deposits | 80.0952% | 2,940 |
| Total domestic deposits to total assets | 84.4030% | 2,598 |
| Equity capital to assets | 15.1039% | 602 |
| Core capital (leverage) ratio | 13.8627% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9380% | 680 |
| Memoranda: | ||
| Average total assets | $130,484,667 | 3,591 |
| Average earning assets | $125,469,333 | 3,526 |
| Average equity | $20,459,000 | 3,132 |
| Average total loans | $92,654,000 | 3,358 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 2,764 |
| Cost of funding earning assets | 0.7278% | 2,792 |
| Net interest margin | 3.6260% | 2,585 |
| Noninterest income to average assets | 0.2107% | 4,287 |
| Noninterest expense to average assets | 2.1449% | 4,125 |
| Loan and lease loss provision to assets | 0.0598% | 3,021 |
| Net operating income to assets | 1.1122% | 1,805 |
| Return on assets (ROA) | 1.1196% | 1,880 |
| Pretax return on assets | 1.4939% | 1,321 |
| Return on Equity (ROE) | 7.0024% | 2,948 |
| Retained earnings to average equity (ytd only) | 7.0024% | 1,532 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1415% | 3,981 |
| Assets per employee ($millions) | 7.4832% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 879 |
| Loan loss allowance to noncurrent loans | 766.8269% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 3,844 |
| Noncurrent loans to loans | 0.2217% | 3,689 |
| Net loans and leases to total assets | 72.4938% | 1,852 |
| Net loans and leases to deposits | 87.0998% | 1,855 |
| Net loans and leases to core deposits | 92.8619% | 2,079 |
| Total domestic deposits to total assets | 83.2308% | 3,034 |
| Equity capital to assets | 16.1372% | 561 |
| Core capital (leverage) ratio | 14.4553% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5423% | 795 |
| Memoranda: | ||
| Average total assets | $127,185,000 | 3,617 |
| Average earning assets | $122,007,000 | 3,549 |
| Average equity | $20,336,000 | 3,141 |
| Average total loans | $94,173,500 | 3,316 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 2,603 |
| Cost of funding earning assets | 0.6948% | 3,182 |
| Net interest margin | 3.9085% | 2,144 |
| Noninterest income to average assets | 0.2555% | 4,152 |
| Noninterest expense to average assets | 2.1524% | 4,262 |
| Loan and lease loss provision to assets | 0.0629% | 2,780 |
| Net operating income to assets | 1.3551% | 1,488 |
| Return on assets (ROA) | 1.3551% | 1,571 |
| Pretax return on assets | 1.7904% | 964 |
| Return on Equity (ROE) | 8.5785% | 2,914 |
| Retained earnings to average equity (ytd only) | 5.5165% | 2,152 |
| Net charge-offs to loans | 0.0255% | 2,886 |
| Credit loss provision to net charge-offs | 325.0000% | 855 |
| Earnings coverage of net charge-offs (x) | 95.7917% | 704 |
| Efficiency ratio | 53.6728% | 4,453 |
| Assets per employee ($millions) | 7.4797% | 870 |
| Cash dividends to net income (ytd only)* | 35.6930% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 856 |
| Loan loss allowance to noncurrent loans | 1,419.8198% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 4,204 |
| Noncurrent loans to loans | 0.1174% | 4,066 |
| Net loans and leases to total assets | 73.1021% | 1,905 |
| Net loans and leases to deposits | 87.4374% | 1,922 |
| Net loans and leases to core deposits | 93.6875% | 2,094 |
| Total domestic deposits to total assets | 83.6050% | 2,994 |
| Equity capital to assets | 15.8413% | 631 |
| Core capital (leverage) ratio | 14.2621% | 859 |
| Tier 1 risk-based capital ratio | 18.9396% | 1,529 |
| Total risk-based capital ratio | 20.1942% | 1,495 |
| Memoranda: | ||
| Average total assets | $124,047,400 | 3,640 |
| Average earning assets | $119,022,600 | 3,573 |
| Average equity | $19,595,600 | 3,168 |
| Average total loans | $94,193,400 | 3,314 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5825% | 2,782 |
| Cost of funding earning assets | 0.6801% | 3,309 |
| Net interest margin | 3.9025% | 2,245 |
| Noninterest income to average assets | 0.2596% | 4,191 |
| Noninterest expense to average assets | 2.1481% | 4,278 |
| Loan and lease loss provision to assets | 0.0627% | 2,645 |
| Net operating income to assets | 1.3477% | 1,654 |
| Return on assets (ROA) | 1.3477% | 1,726 |
| Pretax return on assets | 1.7976% | 1,099 |
| Return on Equity (ROE) | 8.5375% | 3,090 |
| Retained earnings to average equity (ytd only) | 6.4819% | 2,128 |
| Net charge-offs to loans | 0.0213% | 2,686 |
| Credit loss provision to net charge-offs | 386.6667% | 785 |
| Earnings coverage of net charge-offs (x) | 114.6640% | 675 |
| Efficiency ratio | 53.5618% | 4,441 |
| Assets per employee ($millions) | 7.3082% | 910 |
| Cash dividends to net income (ytd only)* | 24.0771% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 919 |
| Loan loss allowance to noncurrent loans | 201.1568% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 2,125 |
| Noncurrent loans to loans | 0.8164% | 1,930 |
| Net loans and leases to total assets | 75.4457% | 1,574 |
| Net loans and leases to deposits | 90.5300% | 1,629 |
| Net loans and leases to core deposits | 96.8196% | 1,930 |
| Total domestic deposits to total assets | 83.3378% | 3,051 |
| Equity capital to assets | 16.0883% | 619 |
| Core capital (leverage) ratio | 14.4342% | 869 |
| Tier 1 risk-based capital ratio | 18.3727% | 1,719 |
| Total risk-based capital ratio | 19.6267% | 1,685 |
| Memoranda: | ||
| Average total assets | $123,270,500 | 3,687 |
| Average earning assets | $118,418,000 | 3,618 |
| Average equity | $19,458,750 | 3,204 |
| Average total loans | $94,109,500 | 3,354 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 3,010 |
| Cost of funding earning assets | 0.6447% | 3,440 |
| Net interest margin | 3.8582% | 2,377 |
| Noninterest income to average assets | 0.2652% | 4,161 |
| Noninterest expense to average assets | 2.1180% | 4,383 |
| Loan and lease loss provision to assets | 0.0634% | 2,548 |
| Net operating income to assets | 1.3453% | 1,600 |
| Return on assets (ROA) | 1.3453% | 1,662 |
| Pretax return on assets | 1.7926% | 1,049 |
| Return on Equity (ROE) | 8.5778% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.0220% | 1,795 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2542% | 4,539 |
| Assets per employee ($millions) | 7.3211% | 877 |
| Cash dividends to net income (ytd only)* | 18.1378% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6566% | 906 |
| Loan loss allowance to noncurrent loans | 325.8873% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 2,869 |
| Noncurrent loans to loans | 0.5083% | 2,755 |
| Net loans and leases to total assets | 74.4583% | 1,813 |
| Net loans and leases to deposits | 89.0219% | 1,859 |
| Net loans and leases to core deposits | 94.6655% | 2,186 |
| Total domestic deposits to total assets | 83.6404% | 2,994 |
| Equity capital to assets | 15.8229% | 642 |
| Core capital (leverage) ratio | 14.5268% | 818 |
| Tier 1 risk-based capital ratio | 18.1587% | 1,760 |
| Total risk-based capital ratio | 19.4129% | 1,716 |
| Memoranda: | ||
| Average total assets | $122,947,670 | 3,710 |
| Average earning assets | $118,191,330 | 3,645 |
| Average equity | $19,282,330 | 3,219 |
| Average total loans | $93,713,330 | 3,382 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4446% | 3,069 |
| Cost of funding earning assets | 0.6062% | 3,537 |
| Net interest margin | 3.8383% | 2,383 |
| Noninterest income to average assets | 0.2226% | 4,408 |
| Noninterest expense to average assets | 2.1704% | 4,332 |
| Loan and lease loss provision to assets | 0.0655% | 2,355 |
| Net operating income to assets | 1.2570% | 1,858 |
| Return on assets (ROA) | 1.2570% | 1,907 |
| Pretax return on assets | 1.6761% | 1,269 |
| Return on Equity (ROE) | 8.0516% | 3,242 |
| Retained earnings to average equity (ytd only) | 8.0516% | 1,637 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4812% | 4,394 |
| Assets per employee ($millions) | 7.1357% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 938 |
| Loan loss allowance to noncurrent loans | 1,676.0870% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 4,435 |
| Noncurrent loans to loans | 0.0991% | 4,300 |
| Net loans and leases to total assets | 75.2908% | 1,598 |
| Net loans and leases to deposits | 90.1654% | 1,608 |
| Net loans and leases to core deposits | 95.1296% | 2,015 |
| Total domestic deposits to total assets | 83.5030% | 3,215 |
| Equity capital to assets | 15.9298% | 586 |
| Core capital (leverage) ratio | 14.2707% | 875 |
| Tier 1 risk-based capital ratio | 18.3505% | 1,700 |
| Total risk-based capital ratio | 19.6046% | 1,643 |
| Memoranda: | ||
| Average total assets | $122,192,000 | 3,765 |
| Average earning assets | $117,447,000 | 3,691 |
| Average equity | $19,077,000 | 3,256 |
| Average total loans | $93,454,500 | 3,419 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2732% | 3,200 |
| Cost of funding earning assets | 0.4608% | 3,604 |
| Net interest margin | 3.8124% | 2,623 |
| Noninterest income to average assets | 0.2646% | 4,346 |
| Noninterest expense to average assets | 2.1310% | 4,491 |
| Loan and lease loss provision to assets | 0.0682% | 2,778 |
| Net operating income to assets | 1.3034% | 1,783 |
| Return on assets (ROA) | 1.3034% | 1,771 |
| Pretax return on assets | 1.7299% | 1,091 |
| Return on Equity (ROE) | 8.6279% | 3,166 |
| Retained earnings to average equity (ytd only) | 5.3639% | 2,552 |
| Net charge-offs to loans | 0.0077% | 3,411 |
| Credit loss provision to net charge-offs | 1,185.7143% | 340 |
| Earnings coverage of net charge-offs (x) | 312.5714% | 321 |
| Efficiency ratio | 54.1937% | 4,601 |
| Assets per employee ($millions) | 7.2398% | 884 |
| Cash dividends to net income (ytd only)* | 37.8310% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 988 |
| Loan loss allowance to noncurrent loans | 2,143.6620% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 4,557 |
| Noncurrent loans to loans | 0.0755% | 4,415 |
| Net loans and leases to total assets | 75.1660% | 1,744 |
| Net loans and leases to deposits | 91.1215% | 1,653 |
| Net loans and leases to core deposits | 95.8624% | 2,074 |
| Total domestic deposits to total assets | 82.4898% | 3,488 |
| Equity capital to assets | 15.2994% | 645 |
| Core capital (leverage) ratio | 14.1135% | 893 |
| Tier 1 risk-based capital ratio | 17.7082% | 1,847 |
| Total risk-based capital ratio | 18.9613% | 1,795 |
| Memoranda: | ||
| Average total assets | $121,681,800 | 3,761 |
| Average earning assets | $116,961,800 | 3,702 |
| Average equity | $18,382,200 | 3,258 |
| Average total loans | $91,393,200 | 3,452 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2486% | 3,155 |
| Cost of funding earning assets | 0.4206% | 3,721 |
| Net interest margin | 3.8279% | 2,537 |
| Noninterest income to average assets | 0.2648% | 4,382 |
| Noninterest expense to average assets | 2.1021% | 4,548 |
| Loan and lease loss provision to assets | 0.0703% | 2,558 |
| Net operating income to assets | 1.3099% | 1,815 |
| Return on assets (ROA) | 1.3099% | 1,820 |
| Pretax return on assets | 1.7725% | 1,081 |
| Return on Equity (ROE) | 8.6988% | 3,243 |
| Retained earnings to average equity (ytd only) | 6.5095% | 2,380 |
| Net charge-offs to loans | 0.0074% | 3,158 |
| Credit loss provision to net charge-offs | 1,280.0000% | 317 |
| Earnings coverage of net charge-offs (x) | 335.2234% | 281 |
| Efficiency ratio | 53.2591% | 4,682 |
| Assets per employee ($millions) | 7.0188% | 930 |
| Cash dividends to net income (ytd only)* | 25.1678% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 933 |
| Loan loss allowance to noncurrent loans | 231.3846% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 2,560 |
| Noncurrent loans to loans | 0.7207% | 2,274 |
| Net loans and leases to total assets | 74.3220% | 1,932 |
| Net loans and leases to deposits | 90.8719% | 1,781 |
| Net loans and leases to core deposits | 95.7099% | 2,145 |
| Total domestic deposits to total assets | 81.7876% | 3,673 |
| Equity capital to assets | 15.6101% | 599 |
| Core capital (leverage) ratio | 14.1844% | 890 |
| Tier 1 risk-based capital ratio | 18.5637% | 1,644 |
| Total risk-based capital ratio | 19.8188% | 1,602 |
| Memoranda: | ||
| Average total assets | $121,333,000 | 3,807 |
| Average earning assets | $116,648,250 | 3,740 |
| Average equity | $18,270,250 | 3,287 |
| Average total loans | $90,733,000 | 3,490 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1883% | 3,151 |
| Cost of funding earning assets | 0.4020% | 3,707 |
| Net interest margin | 3.7863% | 2,612 |
| Noninterest income to average assets | 0.2721% | 4,370 |
| Noninterest expense to average assets | 2.1409% | 4,508 |
| Loan and lease loss provision to assets | 0.0689% | 2,503 |
| Net operating income to assets | 1.2655% | 1,912 |
| Return on assets (ROA) | 1.2655% | 1,915 |
| Pretax return on assets | 1.7065% | 1,195 |
| Return on Equity (ROE) | 8.5061% | 3,261 |
| Retained earnings to average equity (ytd only) | 6.8534% | 2,143 |
| Net charge-offs to loans | 0.0066% | 2,900 |
| Credit loss provision to net charge-offs | 1,400.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 255 |
| Efficiency ratio | 54.6254% | 4,623 |
| Assets per employee ($millions) | 7.0907% | 886 |
| Cash dividends to net income (ytd only)* | 19.4301% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 1,034 |
| Loan loss allowance to noncurrent loans | 911.0429% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 4,322 |
| Noncurrent loans to loans | 0.1787% | 4,105 |
| Net loans and leases to total assets | 74.4230% | 1,879 |
| Net loans and leases to deposits | 88.7095% | 2,018 |
| Net loans and leases to core deposits | 93.5279% | 2,264 |
| Total domestic deposits to total assets | 83.8952% | 3,109 |
| Equity capital to assets | 15.2519% | 642 |
| Core capital (leverage) ratio | 13.6033% | 1,034 |
| Tier 1 risk-based capital ratio | 18.2219% | 1,743 |
| Total risk-based capital ratio | 19.4761% | 1,699 |
| Memoranda: | ||
| Average total assets | $122,004,000 | 3,826 |
| Average earning assets | $117,422,330 | 3,756 |
| Average equity | $18,151,670 | 3,316 |
| Average total loans | $90,915,670 | 3,496 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 3,328 |
| Cost of funding earning assets | 0.3724% | 3,804 |
| Net interest margin | 3.7006% | 2,796 |
| Noninterest income to average assets | 0.2379% | 4,577 |
| Noninterest expense to average assets | 2.0728% | 4,719 |
| Loan and lease loss provision to assets | 0.0619% | 2,540 |
| Net operating income to assets | 1.2352% | 1,870 |
| Return on assets (ROA) | 1.2352% | 1,878 |
| Pretax return on assets | 1.6654% | 1,207 |
| Return on Equity (ROE) | 8.4059% | 3,190 |
| Retained earnings to average equity (ytd only) | 8.4059% | 1,687 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5455% | 4,739 |
| Assets per employee ($millions) | 7.2935% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 1,184 |
| Loan loss allowance to noncurrent loans | 951.9481% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 4,465 |
| Noncurrent loans to loans | 0.1669% | 4,227 |
| Net loans and leases to total assets | 73.2366% | 1,991 |
| Net loans and leases to deposits | 86.1823% | 2,144 |
| Net loans and leases to core deposits | 91.2834% | 2,351 |
| Total domestic deposits to total assets | 84.9786% | 2,937 |
| Equity capital to assets | 14.6407% | 745 |
| Core capital (leverage) ratio | 13.4007% | 1,040 |
| Tier 1 risk-based capital ratio | 17.6147% | 1,943 |
| Total risk-based capital ratio | 18.8690% | 1,894 |
| Memoranda: | ||
| Average total assets | $122,735,000 | 3,856 |
| Average earning assets | $118,144,500 | 3,779 |
| Average equity | $18,035,000 | 3,354 |
| Average total loans | $90,775,500 | 3,526 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 3,345 |
| Cost of funding earning assets | 0.3297% | 3,878 |
| Net interest margin | 3.6872% | 2,847 |
| Noninterest income to average assets | 0.2917% | 4,375 |
| Noninterest expense to average assets | 2.1308% | 4,694 |
| Loan and lease loss provision to assets | 0.0656% | 2,897 |
| Net operating income to assets | 1.2354% | 1,410 |
| Return on assets (ROA) | 1.2348% | 1,431 |
| Pretax return on assets | 1.6383% | 1,198 |
| Return on Equity (ROE) | 8.4476% | 2,583 |
| Retained earnings to average equity (ytd only) | 5.4285% | 1,854 |
| Net charge-offs to loans | -0.0035% | 4,584 |
| Credit loss provision to net charge-offs | -2,600.0000% | 5,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5117% | 4,812 |
| Assets per employee ($millions) | 7.1459% | 915 |
| Cash dividends to net income (ytd only)* | 35.7386% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 1,098 |
| Loan loss allowance to noncurrent loans | 12,050.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 5,119 |
| Noncurrent loans to loans | 0.0134% | 4,975 |
| Net loans and leases to total assets | 72.3024% | 2,179 |
| Net loans and leases to deposits | 86.3767% | 2,212 |
| Net loans and leases to core deposits | 91.0281% | 2,459 |
| Total domestic deposits to total assets | 83.7060% | 3,308 |
| Equity capital to assets | 14.7489% | 730 |
| Core capital (leverage) ratio | 13.3225% | 1,031 |
| Tier 1 risk-based capital ratio | 17.6991% | 1,887 |
| Total risk-based capital ratio | 18.9526% | 1,835 |
| Memoranda: | ||
| Average total assets | $118,967,400 | 3,912 |
| Average earning assets | $114,341,000 | 3,838 |
| Average equity | $17,389,600 | 3,451 |
| Average total loans | $86,769,400 | 3,591 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 3,381 |
| Cost of funding earning assets | 0.3235% | 3,907 |
| Net interest margin | 3.6701% | 2,865 |
| Noninterest income to average assets | 0.3076% | 4,329 |
| Noninterest expense to average assets | 2.0629% | 4,824 |
| Loan and lease loss provision to assets | 0.0653% | 2,766 |
| Net operating income to assets | 1.1060% | 2,063 |
| Return on assets (ROA) | 1.1053% | 2,119 |
| Pretax return on assets | 1.7058% | 1,107 |
| Return on Equity (ROE) | 7.5790% | 3,353 |
| Retained earnings to average equity (ytd only) | 5.2613% | 2,709 |
| Net charge-offs to loans | -0.0077% | 4,564 |
| Credit loss provision to net charge-offs | -1,160.0000% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7603% | 4,948 |
| Assets per employee ($millions) | 6.9841% | 962 |
| Cash dividends to net income (ytd only)* | 30.5810% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 1,101 |
| Loan loss allowance to noncurrent loans | 2,131.3433% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 4,956 |
| Noncurrent loans to loans | 0.0781% | 4,765 |
| Net loans and leases to total assets | 71.0848% | 2,395 |
| Net loans and leases to deposits | 85.3938% | 2,379 |
| Net loans and leases to core deposits | 90.3136% | 2,579 |
| Total domestic deposits to total assets | 83.2435% | 3,380 |
| Equity capital to assets | 14.9330% | 744 |
| Core capital (leverage) ratio | 13.2542% | 1,117 |
| Tier 1 risk-based capital ratio | 17.9161% | 1,876 |
| Total risk-based capital ratio | 19.1710% | 1,829 |
| Memoranda: | ||
| Average total assets | $118,339,250 | 3,960 |
| Average earning assets | $113,744,000 | 3,888 |
| Average equity | $17,257,750 | 3,496 |
| Average total loans | $86,142,000 | 3,635 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9568% | 3,359 |
| Cost of funding earning assets | 0.3146% | 3,934 |
| Net interest margin | 3.6422% | 2,867 |
| Noninterest income to average assets | 0.3198% | 4,268 |
| Noninterest expense to average assets | 2.1132% | 4,749 |
| Loan and lease loss provision to assets | 0.0660% | 2,649 |
| Net operating income to assets | 1.0659% | 2,136 |
| Return on assets (ROA) | 1.0659% | 2,180 |
| Pretax return on assets | 1.6462% | 1,206 |
| Return on Equity (ROE) | 7.3683% | 3,356 |
| Retained earnings to average equity (ytd only) | 5.6139% | 2,339 |
| Net charge-offs to loans | -0.0070% | 4,425 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2410% | 4,902 |
| Assets per employee ($millions) | 6.9790% | 947 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 1,180 |
| Loan loss allowance to noncurrent loans | 7,405.2632% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 5,228 |
| Noncurrent loans to loans | 0.0221% | 5,078 |
| Net loans and leases to total assets | 71.1841% | 2,342 |
| Net loans and leases to deposits | 84.0792% | 2,464 |
| Net loans and leases to core deposits | 88.8345% | 2,632 |
| Total domestic deposits to total assets | 84.6632% | 2,955 |
| Equity capital to assets | 14.7948% | 745 |
| Core capital (leverage) ratio | 13.2203% | 1,093 |
| Tier 1 risk-based capital ratio | 17.6447% | 1,960 |
| Total risk-based capital ratio | 18.8992% | 1,916 |
| Memoranda: | ||
| Average total assets | $118,209,000 | 3,987 |
| Average earning assets | $113,778,000 | 3,914 |
| Average equity | $17,100,330 | 3,522 |
| Average total loans | $86,247,000 | 3,651 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8702% | 3,507 |
| Cost of funding earning assets | 0.3029% | 4,012 |
| Net interest margin | 3.5673% | 3,020 |
| Noninterest income to average assets | 0.2882% | 4,493 |
| Noninterest expense to average assets | 2.0578% | 4,927 |
| Loan and lease loss provision to assets | 0.0644% | 2,514 |
| Net operating income to assets | 1.0374% | 2,132 |
| Return on assets (ROA) | 1.0374% | 2,182 |
| Pretax return on assets | 1.6001% | 1,235 |
| Return on Equity (ROE) | 7.2538% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.2538% | 1,767 |
| Net charge-offs to loans | -0.0093% | 4,387 |
| Credit loss provision to net charge-offs | -950.0000% | 4,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2823% | 5,013 |
| Assets per employee ($millions) | 6.9557% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 1,328 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 5,290 |
| Noncurrent loans to loans | 0.0211% | 5,138 |
| Net loans and leases to total assets | 71.0631% | 2,207 |
| Net loans and leases to deposits | 83.5870% | 2,330 |
| Net loans and leases to core deposits | 88.3058% | 2,520 |
| Total domestic deposits to total assets | 85.0170% | 3,084 |
| Equity capital to assets | 14.4147% | 784 |
| Core capital (leverage) ratio | 12.7686% | 1,230 |
| Tier 1 risk-based capital ratio | 17.0431% | 2,172 |
| Total risk-based capital ratio | 18.2963% | 2,124 |
| Memoranda: | ||
| Average total assets | $117,992,000 | 4,028 |
| Average earning assets | $113,586,500 | 3,951 |
| Average equity | $16,874,000 | 3,563 |
| Average total loans | $86,439,500 | 3,673 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 3,468 |
| Cost of funding earning assets | 0.2942% | 4,128 |
| Net interest margin | 3.6330% | 2,949 |
| Noninterest income to average assets | 0.2786% | 4,747 |
| Noninterest expense to average assets | 2.0159% | 5,155 |
| Loan and lease loss provision to assets | 0.0671% | 3,025 |
| Net operating income to assets | 1.0969% | 1,913 |
| Return on assets (ROA) | 1.1025% | 1,984 |
| Pretax return on assets | 1.6985% | 1,003 |
| Return on Equity (ROE) | 7.7842% | 3,061 |
| Retained earnings to average equity (ytd only) | 4.6754% | 2,565 |
| Net charge-offs to loans | -0.0083% | 4,898 |
| Credit loss provision to net charge-offs | -1,114.2857% | 5,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3850% | 5,291 |
| Assets per employee ($millions) | 6.9257% | 952 |
| Cash dividends to net income (ytd only)* | 39.9376% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,468 |
| Loan loss allowance to noncurrent loans | 4,871.4286% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 5,293 |
| Noncurrent loans to loans | 0.0320% | 5,140 |
| Net loans and leases to total assets | 73.1282% | 1,993 |
| Net loans and leases to deposits | 86.8249% | 2,072 |
| Net loans and leases to core deposits | 91.7919% | 2,320 |
| Total domestic deposits to total assets | 84.2250% | 3,342 |
| Equity capital to assets | 14.1867% | 832 |
| Core capital (leverage) ratio | 12.6094% | 1,296 |
| Tier 1 risk-based capital ratio | 16.2675% | 2,439 |
| Total risk-based capital ratio | 17.5209% | 2,375 |
| Memoranda: | ||
| Average total assets | $116,277,000 | 4,059 |
| Average earning assets | $111,835,800 | 3,974 |
| Average equity | $16,469,200 | 3,626 |
| Average total loans | $84,021,200 | 3,709 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8998% | 3,581 |
| Cost of funding earning assets | 0.2906% | 4,204 |
| Net interest margin | 3.6092% | 3,038 |
| Noninterest income to average assets | 0.2784% | 4,779 |
| Noninterest expense to average assets | 2.0107% | 5,180 |
| Loan and lease loss provision to assets | 0.0667% | 2,888 |
| Net operating income to assets | 1.0910% | 2,036 |
| Return on assets (ROA) | 1.0985% | 2,105 |
| Pretax return on assets | 1.6840% | 1,158 |
| Return on Equity (ROE) | 7.7589% | 3,142 |
| Retained earnings to average equity (ytd only) | 5.3866% | 2,557 |
| Net charge-offs to loans | -0.0112% | 4,811 |
| Credit loss provision to net charge-offs | -828.5714% | 5,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5890% | 5,269 |
| Assets per employee ($millions) | 6.8152% | 953 |
| Cash dividends to net income (ytd only)* | 30.5757% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 1,590 |
| Loan loss allowance to noncurrent loans | 555.3719% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 4,597 |
| Noncurrent loans to loans | 0.2810% | 4,254 |
| Net loans and leases to total assets | 73.1861% | 1,998 |
| Net loans and leases to deposits | 88.4180% | 1,958 |
| Net loans and leases to core deposits | 93.5502% | 2,225 |
| Total domestic deposits to total assets | 82.7729% | 3,678 |
| Equity capital to assets | 14.4530% | 890 |
| Core capital (leverage) ratio | 12.8221% | 1,257 |
| Tier 1 risk-based capital ratio | 16.4892% | 2,421 |
| Total risk-based capital ratio | 17.7417% | 2,371 |
| Memoranda: | ||
| Average total assets | $115,912,000 | 4,091 |
| Average earning assets | $111,490,750 | 4,004 |
| Average equity | $16,410,750 | 3,672 |
| Average total loans | $83,160,750 | 3,753 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8458% | 3,788 |
| Cost of funding earning assets | 0.2867% | 4,280 |
| Net interest margin | 3.5590% | 3,260 |
| Noninterest income to average assets | 0.2847% | 4,749 |
| Noninterest expense to average assets | 2.0926% | 5,074 |
| Loan and lease loss provision to assets | 0.0673% | 2,795 |
| Net operating income to assets | 1.0101% | 2,347 |
| Return on assets (ROA) | 1.0213% | 2,429 |
| Pretax return on assets | 1.5682% | 1,465 |
| Return on Equity (ROE) | 7.2641% | 3,388 |
| Retained earnings to average equity (ytd only) | 5.4726% | 2,437 |
| Net charge-offs to loans | -0.0122% | 4,761 |
| Credit loss provision to net charge-offs | -780.0000% | 5,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3459% | 5,111 |
| Assets per employee ($millions) | 6.8013% | 951 |
| Cash dividends to net income (ytd only)* | 24.6622% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 1,581 |
| Loan loss allowance to noncurrent loans | 1,888.5714% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 5,315 |
| Noncurrent loans to loans | 0.0837% | 5,118 |
| Net loans and leases to total assets | 71.1845% | 2,302 |
| Net loans and leases to deposits | 83.6127% | 2,512 |
| Net loans and leases to core deposits | 87.9722% | 2,730 |
| Total domestic deposits to total assets | 85.1360% | 2,806 |
| Equity capital to assets | 14.3113% | 928 |
| Core capital (leverage) ratio | 12.5000% | 1,354 |
| Tier 1 risk-based capital ratio | 16.5088% | 2,423 |
| Total risk-based capital ratio | 17.7611% | 2,371 |
| Memoranda: | ||
| Average total assets | $115,930,000 | 4,122 |
| Average earning assets | $111,603,670 | 4,028 |
| Average equity | $16,299,330 | 3,694 |
| Average total loans | $82,169,000 | 3,793 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8096% | 3,910 |
| Cost of funding earning assets | 0.2829% | 4,357 |
| Net interest margin | 3.5267% | 3,367 |
| Noninterest income to average assets | 0.2584% | 4,881 |
| Noninterest expense to average assets | 2.0778% | 5,155 |
| Loan and lease loss provision to assets | 0.0689% | 2,575 |
| Net operating income to assets | 0.9820% | 2,360 |
| Return on assets (ROA) | 0.9820% | 2,477 |
| Pretax return on assets | 1.5058% | 1,564 |
| Return on Equity (ROE) | 7.0477% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.0477% | 1,863 |
| Net charge-offs to loans | -0.0049% | 4,285 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8868% | 5,107 |
| Assets per employee ($millions) | 7.2684% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 1,588 |
| Loan loss allowance to noncurrent loans | 1,758.1081% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 5,345 |
| Noncurrent loans to loans | 0.0913% | 5,109 |
| Net loans and leases to total assets | 68.5642% | 2,566 |
| Net loans and leases to deposits | 80.3313% | 2,747 |
| Net loans and leases to core deposits | 84.1292% | 2,928 |
| Total domestic deposits to total assets | 85.3518% | 2,981 |
| Equity capital to assets | 14.0669% | 955 |
| Core capital (leverage) ratio | 12.1764% | 1,510 |
| Tier 1 risk-based capital ratio | 16.7428% | 2,380 |
| Total risk-based capital ratio | 17.9966% | 2,326 |
| Memoranda: | ||
| Average total assets | $116,084,000 | 4,151 |
| Average earning assets | $111,719,000 | 4,053 |
| Average equity | $16,175,500 | 3,704 |
| Average total loans | $81,440,000 | 3,819 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7499% | 4,194 |
| Cost of funding earning assets | 0.2866% | 4,401 |
| Net interest margin | 3.4633% | 3,664 |
| Noninterest income to average assets | 0.2842% | 4,857 |
| Noninterest expense to average assets | 1.9137% | 5,599 |
| Loan and lease loss provision to assets | 0.0655% | 2,976 |
| Net operating income to assets | 1.0670% | 2,057 |
| Return on assets (ROA) | 1.0670% | 2,134 |
| Pretax return on assets | 1.6363% | 1,146 |
| Return on Equity (ROE) | 8.0122% | 2,950 |
| Retained earnings to average equity (ytd only) | 4.9261% | 2,470 |
| Net charge-offs to loans | 0.0025% | 4,382 |
| Credit loss provision to net charge-offs | 3,850.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 1,000.0000% | 57 |
| Efficiency ratio | 52.8830% | 5,588 |
| Assets per employee ($millions) | 6.8161% | 955 |
| Cash dividends to net income (ytd only)* | 38.5167% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 1,743 |
| Loan loss allowance to noncurrent loans | 2,459.6154% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 5,500 |
| Noncurrent loans to loans | 0.0635% | 5,259 |
| Net loans and leases to total assets | 69.5272% | 2,443 |
| Net loans and leases to deposits | 81.1254% | 2,694 |
| Net loans and leases to core deposits | 84.7284% | 2,913 |
| Total domestic deposits to total assets | 85.7034% | 2,773 |
| Equity capital to assets | 13.8012% | 1,005 |
| Core capital (leverage) ratio | 12.0184% | 1,609 |
| Tier 1 risk-based capital ratio | 16.2762% | 2,573 |
| Total risk-based capital ratio | 17.5293% | 2,530 |
| Memoranda: | ||
| Average total assets | $117,522,400 | 4,105 |
| Average earning assets | $113,041,600 | 4,019 |
| Average equity | $15,651,200 | 3,740 |
| Average total loans | $79,013,800 | 3,861 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7208% | 4,360 |
| Cost of funding earning assets | 0.2891% | 4,458 |
| Net interest margin | 3.4316% | 3,829 |
| Noninterest income to average assets | 0.2906% | 4,869 |
| Noninterest expense to average assets | 1.8507% | 5,711 |
| Loan and lease loss provision to assets | 0.0791% | 2,589 |
| Net operating income to assets | 1.0978% | 2,019 |
| Return on assets (ROA) | 1.0978% | 2,101 |
| Pretax return on assets | 1.6619% | 1,207 |
| Return on Equity (ROE) | 8.3170% | 2,920 |
| Retained earnings to average equity (ytd only) | 5.8074% | 2,363 |
| Net charge-offs to loans | 0.0085% | 3,868 |
| Credit loss provision to net charge-offs | 1,400.0000% | 260 |
| Earnings coverage of net charge-offs (x) | 307.8381% | 238 |
| Efficiency ratio | 51.4951% | 5,683 |
| Assets per employee ($millions) | 6.4170% | 1,104 |
| Cash dividends to net income (ytd only)* | 30.1754% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 1,841 |
| Loan loss allowance to noncurrent loans | 638.1910% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 5,061 |
| Noncurrent loans to loans | 0.2483% | 4,684 |
| Net loans and leases to total assets | 68.2952% | 2,636 |
| Net loans and leases to deposits | 79.7221% | 2,915 |
| Net loans and leases to core deposits | 83.4541% | 3,107 |
| Total domestic deposits to total assets | 85.6665% | 2,708 |
| Equity capital to assets | 13.8114% | 1,097 |
| Core capital (leverage) ratio | 11.8844% | 1,754 |
| Tier 1 risk-based capital ratio | 16.3789% | 2,631 |
| Total risk-based capital ratio | 17.6320% | 2,582 |
| Memoranda: | ||
| Average total assets | $117,934,500 | 4,144 |
| Average earning assets | $113,451,000 | 4,057 |
| Average equity | $15,566,000 | 3,789 |
| Average total loans | $78,306,500 | 3,914 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6638% | 4,529 |
| Cost of funding earning assets | 0.2992% | 4,406 |
| Net interest margin | 3.3646% | 4,040 |
| Noninterest income to average assets | 0.2981% | 4,827 |
| Noninterest expense to average assets | 1.8527% | 5,779 |
| Loan and lease loss provision to assets | 0.0657% | 2,803 |
| Net operating income to assets | 1.0678% | 2,066 |
| Return on assets (ROA) | 1.0678% | 2,168 |
| Pretax return on assets | 1.6186% | 1,280 |
| Return on Equity (ROE) | 8.2140% | 2,935 |
| Retained earnings to average equity (ytd only) | 6.3225% | 2,051 |
| Net charge-offs to loans | -0.0129% | 5,005 |
| Credit loss provision to net charge-offs | -780.0000% | 5,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3333% | 5,687 |
| Assets per employee ($millions) | 6.4804% | 1,061 |
| Cash dividends to net income (ytd only)* | 23.0284% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 1,881 |
| Loan loss allowance to noncurrent loans | 872.7273% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 5,379 |
| Noncurrent loans to loans | 0.1842% | 5,042 |
| Net loans and leases to total assets | 65.4779% | 3,049 |
| Net loans and leases to deposits | 76.0745% | 3,263 |
| Net loans and leases to core deposits | 79.3736% | 3,456 |
| Total domestic deposits to total assets | 86.0708% | 2,665 |
| Equity capital to assets | 13.4268% | 1,206 |
| Core capital (leverage) ratio | 11.5627% | 1,951 |
| Tier 1 risk-based capital ratio | 16.2004% | 2,760 |
| Total risk-based capital ratio | 17.4526% | 2,706 |
| Memoranda: | ||
| Average total assets | $118,744,000 | 4,179 |
| Average earning assets | $114,306,670 | 4,067 |
| Average equity | $15,437,000 | 3,822 |
| Average total loans | $77,690,330 | 3,960 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5843% | 4,740 |
| Cost of funding earning assets | 0.2949% | 4,498 |
| Net interest margin | 3.2894% | 4,266 |
| Noninterest income to average assets | 0.2738% | 4,988 |
| Noninterest expense to average assets | 1.8065% | 5,889 |
| Loan and lease loss provision to assets | 0.0668% | 2,601 |
| Net operating income to assets | 1.0184% | 2,175 |
| Return on assets (ROA) | 1.0184% | 2,318 |
| Pretax return on assets | 1.5660% | 1,355 |
| Return on Equity (ROE) | 7.9611% | 2,976 |
| Retained earnings to average equity (ytd only) | 7.9611% | 1,583 |
| Net charge-offs to loans | -0.0154% | 4,928 |
| Credit loss provision to net charge-offs | -666.6667% | 4,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5243% | 5,782 |
| Assets per employee ($millions) | 6.7310% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 2,012 |
| Loan loss allowance to noncurrent loans | 943.8462% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 5,526 |
| Noncurrent loans to loans | 0.1708% | 5,159 |
| Net loans and leases to total assets | 61.8160% | 3,399 |
| Net loans and leases to deposits | 73.9003% | 3,327 |
| Net loans and leases to core deposits | 77.2711% | 3,453 |
| Total domestic deposits to total assets | 83.6478% | 3,959 |
| Equity capital to assets | 12.8320% | 1,496 |
| Core capital (leverage) ratio | 11.3142% | 2,146 |
| Tier 1 risk-based capital ratio | 17.1255% | 2,433 |
| Total risk-based capital ratio | 18.3793% | 2,388 |
| Memoranda: | ||
| Average total assets | $119,792,500 | 4,188 |
| Average earning assets | $115,279,000 | 4,076 |
| Average equity | $15,324,500 | 3,870 |
| Average total loans | $77,722,500 | 3,972 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7019% | 4,777 |
| Cost of funding earning assets | 0.3123% | 4,660 |
| Net interest margin | 3.3895% | 4,239 |
| Noninterest income to average assets | 0.2859% | 5,075 |
| Noninterest expense to average assets | 1.9014% | 5,939 |
| Loan and lease loss provision to assets | 0.0650% | 3,205 |
| Net operating income to assets | 1.0512% | 2,155 |
| Return on assets (ROA) | 1.0512% | 2,224 |
| Pretax return on assets | 1.5763% | 1,303 |
| Return on Equity (ROE) | 8.7087% | 2,725 |
| Retained earnings to average equity (ytd only) | 5.3730% | 2,355 |
| Net charge-offs to loans | -0.0102% | 5,564 |
| Credit loss provision to net charge-offs | -975.0000% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6706% | 5,870 |
| Assets per employee ($millions) | 6.9663% | 860 |
| Cash dividends to net income (ytd only)* | 38.3029% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 2,389 |
| Loan loss allowance to noncurrent loans | 912.8788% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 5,589 |
| Noncurrent loans to loans | 0.1664% | 5,234 |
| Net loans and leases to total assets | 65.9630% | 2,890 |
| Net loans and leases to deposits | 81.9302% | 2,482 |
| Net loans and leases to core deposits | 86.8354% | 2,619 |
| Total domestic deposits to total assets | 80.5112% | 4,881 |
| Equity capital to assets | 12.7522% | 1,499 |
| Core capital (leverage) ratio | 11.2293% | 2,191 |
| Tier 1 risk-based capital ratio | 16.1097% | 2,915 |
| Total risk-based capital ratio | 17.3606% | 2,853 |
| Memoranda: | ||
| Average total assets | $119,963,400 | 4,179 |
| Average earning assets | $115,266,200 | 4,065 |
| Average equity | $14,479,800 | 3,939 |
| Average total loans | $78,609,400 | 3,913 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6696% | 4,944 |
| Cost of funding earning assets | 0.3124% | 4,757 |
| Net interest margin | 3.3572% | 4,399 |
| Noninterest income to average assets | 0.3002% | 5,048 |
| Noninterest expense to average assets | 1.8878% | 5,972 |
| Loan and lease loss provision to assets | 0.0643% | 3,063 |
| Net operating income to assets | 1.0436% | 2,265 |
| Return on assets (ROA) | 1.0436% | 2,324 |
| Pretax return on assets | 1.5743% | 1,408 |
| Return on Equity (ROE) | 8.7681% | 2,804 |
| Retained earnings to average equity (ytd only) | 6.0409% | 2,385 |
| Net charge-offs to loans | -0.0102% | 5,432 |
| Credit loss provision to net charge-offs | -966.6667% | 5,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5344% | 5,870 |
| Assets per employee ($millions) | 6.5338% | 1,011 |
| Cash dividends to net income (ytd only)* | 31.1042% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 2,660 |
| Loan loss allowance to noncurrent loans | 1,065.7658% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 5,786 |
| Noncurrent loans to loans | 0.1416% | 5,494 |
| Net loans and leases to total assets | 65.6242% | 2,934 |
| Net loans and leases to deposits | 79.7858% | 2,721 |
| Net loans and leases to core deposits | 84.7219% | 2,806 |
| Total domestic deposits to total assets | 82.2505% | 4,394 |
| Equity capital to assets | 12.6563% | 1,604 |
| Core capital (leverage) ratio | 10.9395% | 2,545 |
| Tier 1 risk-based capital ratio | 16.1022% | 3,015 |
| Total risk-based capital ratio | 17.3549% | 2,961 |
| Memoranda: | ||
| Average total assets | $120,347,500 | 4,208 |
| Average earning assets | $115,648,750 | 4,101 |
| Average equity | $14,324,250 | 3,993 |
| Average total loans | $78,431,000 | 3,947 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6271% | 5,076 |
| Cost of funding earning assets | 0.3087% | 4,891 |
| Net interest margin | 3.3184% | 4,516 |
| Noninterest income to average assets | 0.2936% | 5,072 |
| Noninterest expense to average assets | 1.8654% | 6,055 |
| Loan and lease loss provision to assets | 0.0643% | 2,980 |
| Net operating income to assets | 1.0341% | 2,187 |
| Return on assets (ROA) | 1.0341% | 2,252 |
| Pretax return on assets | 1.5553% | 1,378 |
| Return on Equity (ROE) | 8.8701% | 2,650 |
| Retained earnings to average equity (ytd only) | 6.8047% | 1,868 |
| Net charge-offs to loans | -0.0102% | 5,329 |
| Credit loss provision to net charge-offs | -975.0000% | 5,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5258% | 5,949 |
| Assets per employee ($millions) | 6.7382% | 906 |
| Cash dividends to net income (ytd only)* | 23.2855% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 2,860 |
| Loan loss allowance to noncurrent loans | 842.0290% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 5,814 |
| Noncurrent loans to loans | 0.1792% | 5,472 |
| Net loans and leases to total assets | 62.5525% | 3,312 |
| Net loans and leases to deposits | 75.4598% | 3,131 |
| Net loans and leases to core deposits | 80.8715% | 3,110 |
| Total domestic deposits to total assets | 82.8951% | 4,348 |
| Equity capital to assets | 12.1546% | 1,880 |
| Core capital (leverage) ratio | 10.7967% | 2,627 |
| Tier 1 risk-based capital ratio | 15.9768% | 3,098 |
| Total risk-based capital ratio | 17.2287% | 3,036 |
| Memoranda: | ||
| Average total assets | $121,260,330 | 4,210 |
| Average earning assets | $116,622,000 | 4,096 |
| Average equity | $14,137,330 | 4,028 |
| Average total loans | $78,453,670 | 3,959 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6227% | 5,096 |
| Cost of funding earning assets | 0.3122% | 4,949 |
| Net interest margin | 3.3105% | 4,487 |
| Noninterest income to average assets | 0.2738% | 5,183 |
| Noninterest expense to average assets | 1.8673% | 6,117 |
| Loan and lease loss provision to assets | 0.0660% | 2,804 |
| Net operating income to assets | 1.0161% | 2,148 |
| Return on assets (ROA) | 1.0161% | 2,213 |
| Pretax return on assets | 1.5242% | 1,357 |
| Return on Equity (ROE) | 8.9050% | 2,506 |
| Retained earnings to average equity (ytd only) | 8.9050% | 1,277 |
| Net charge-offs to loans | -0.0101% | 5,049 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0076% | 6,007 |
| Assets per employee ($millions) | 6.8204% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 3,177 |
| Loan loss allowance to noncurrent loans | 1,408.6420% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 6,076 |
| Noncurrent loans to loans | 0.1058% | 5,808 |
| Net loans and leases to total assets | 61.4167% | 3,327 |
| Net loans and leases to deposits | 73.5301% | 3,125 |
| Net loans and leases to core deposits | 78.9603% | 3,095 |
| Total domestic deposits to total assets | 83.5258% | 4,442 |
| Equity capital to assets | 11.5250% | 2,223 |
| Core capital (leverage) ratio | 10.4881% | 2,949 |
| Tier 1 risk-based capital ratio | 15.4039% | 3,499 |
| Total risk-based capital ratio | 16.6559% | 3,452 |
| Memoranda: | ||
| Average total assets | $121,247,000 | 4,250 |
| Average earning assets | $116,597,000 | 4,125 |
| Average equity | $13,835,000 | 4,077 |
| Average total loans | $79,165,500 | 3,963 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 4,886 |
| Cost of funding earning assets | 0.3891% | 4,761 |
| Net interest margin | 3.3889% | 4,324 |
| Noninterest income to average assets | 0.2913% | 5,270 |
| Noninterest expense to average assets | 1.8062% | 6,306 |
| Loan and lease loss provision to assets | 0.0668% | 3,793 |
| Net operating income to assets | 1.1019% | 1,928 |
| Return on assets (ROA) | 1.1019% | 1,991 |
| Pretax return on assets | 1.6648% | 1,024 |
| Return on Equity (ROE) | 9.8579% | 2,168 |
| Retained earnings to average equity (ytd only) | 6.5387% | 1,661 |
| Net charge-offs to loans | -0.0054% | 5,941 |
| Credit loss provision to net charge-offs | -1,950.0000% | 6,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0051% | 6,360 |
| Assets per employee ($millions) | 6.6514% | 925 |
| Cash dividends to net income (ytd only)* | 33.6703% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 3,804 |
| Loan loss allowance to noncurrent loans | 1,332.1429% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 6,138 |
| Noncurrent loans to loans | 0.1027% | 5,905 |
| Net loans and leases to total assets | 67.3797% | 2,462 |
| Net loans and leases to deposits | 87.5821% | 1,510 |
| Net loans and leases to core deposits | 94.0254% | 1,602 |
| Total domestic deposits to total assets | 76.9332% | 5,981 |
| Equity capital to assets | 11.2933% | 2,345 |
| Core capital (leverage) ratio | 10.2101% | 3,280 |
| Tier 1 risk-based capital ratio | 14.2022% | 4,152 |
| Total risk-based capital ratio | 15.4534% | 4,093 |
| Memoranda: | ||
| Average total assets | $116,709,400 | 4,345 |
| Average earning assets | $111,807,200 | 4,226 |
| Average equity | $13,045,400 | 4,256 |
| Average total loans | $74,116,600 | 4,126 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 4,996 |
| Cost of funding earning assets | 0.3986% | 4,827 |
| Net interest margin | 3.3630% | 4,421 |
| Noninterest income to average assets | 0.2978% | 5,314 |
| Noninterest expense to average assets | 1.7604% | 6,398 |
| Loan and lease loss provision to assets | 0.0678% | 3,698 |
| Net operating income to assets | 1.1176% | 1,944 |
| Return on assets (ROA) | 1.1176% | 2,012 |
| Pretax return on assets | 1.6903% | 1,118 |
| Return on Equity (ROE) | 10.0257% | 2,167 |
| Retained earnings to average equity (ytd only) | 7.3233% | 1,725 |
| Net charge-offs to loans | -0.0018% | 5,682 |
| Credit loss provision to net charge-offs | -5,900.0000% | 6,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 6,400 |
| Assets per employee ($millions) | 6.9142% | 783 |
| Cash dividends to net income (ytd only)* | 26.9543% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 3,651 |
| Loan loss allowance to noncurrent loans | 2,675.6098% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 6,372 |
| Noncurrent loans to loans | 0.0545% | 6,184 |
| Net loans and leases to total assets | 63.0895% | 3,150 |
| Net loans and leases to deposits | 79.1631% | 2,518 |
| Net loans and leases to core deposits | 85.2721% | 2,495 |
| Total domestic deposits to total assets | 79.6956% | 5,583 |
| Equity capital to assets | 11.0838% | 2,686 |
| Core capital (leverage) ratio | 10.0764% | 3,560 |
| Tier 1 risk-based capital ratio | 14.4133% | 4,136 |
| Total risk-based capital ratio | 15.6648% | 4,095 |
| Memoranda: | ||
| Average total assets | $115,955,250 | 4,412 |
| Average earning assets | $111,047,750 | 4,280 |
| Average equity | $12,926,500 | 4,325 |
| Average total loans | $72,198,250 | 4,221 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 4,982 |
| Cost of funding earning assets | 0.4124% | 4,837 |
| Net interest margin | 3.3393% | 4,422 |
| Noninterest income to average assets | 0.3084% | 5,236 |
| Noninterest expense to average assets | 1.7552% | 6,442 |
| Loan and lease loss provision to assets | 0.0676% | 3,692 |
| Net operating income to assets | 1.1228% | 1,849 |
| Return on assets (ROA) | 1.1228% | 1,966 |
| Pretax return on assets | 1.6842% | 1,149 |
| Return on Equity (ROE) | 10.0522% | 2,180 |
| Retained earnings to average equity (ytd only) | 8.0201% | 1,479 |
| Net charge-offs to loans | -0.0056% | 5,652 |
| Credit loss provision to net charge-offs | -1,950.0000% | 6,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 6,431 |
| Assets per employee ($millions) | 6.7282% | 814 |
| Cash dividends to net income (ytd only)* | 20.2160% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 3,683 |
| Loan loss allowance to noncurrent loans | 1,608.9552% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 6,322 |
| Noncurrent loans to loans | 0.0918% | 6,126 |
| Net loans and leases to total assets | 62.8533% | 3,127 |
| Net loans and leases to deposits | 77.2922% | 2,677 |
| Net loans and leases to core deposits | 81.6405% | 2,836 |
| Total domestic deposits to total assets | 81.3191% | 5,254 |
| Equity capital to assets | 11.2643% | 2,508 |
| Core capital (leverage) ratio | 9.7700% | 3,836 |
| Tier 1 risk-based capital ratio | 14.6057% | 4,030 |
| Total risk-based capital ratio | 15.8579% | 3,989 |
| Memoranda: | ||
| Average total assets | $115,426,670 | 4,452 |
| Average earning assets | $110,563,330 | 4,321 |
| Average equity | $12,892,670 | 4,359 |
| Average total loans | $71,180,000 | 4,267 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 5,048 |
| Cost of funding earning assets | 0.4252% | 4,861 |
| Net interest margin | 3.3079% | 4,486 |
| Noninterest income to average assets | 0.2863% | 5,412 |
| Noninterest expense to average assets | 1.7421% | 6,511 |
| Loan and lease loss provision to assets | 0.0690% | 3,482 |
| Net operating income to assets | 1.0901% | 1,899 |
| Return on assets (ROA) | 1.0901% | 2,007 |
| Pretax return on assets | 1.6421% | 1,210 |
| Return on Equity (ROE) | 9.8007% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.8007% | 1,153 |
| Net charge-offs to loans | 0.0228% | 3,718 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 310 |
| Efficiency ratio | 50.4496% | 6,473 |
| Assets per employee ($millions) | 6.9987% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 3,574 |
| Loan loss allowance to noncurrent loans | 3,097.0588% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 6,524 |
| Noncurrent loans to loans | 0.0504% | 6,330 |
| Net loans and leases to total assets | 55.8549% | 4,108 |
| Net loans and leases to deposits | 68.0536% | 3,772 |
| Net loans and leases to core deposits | 71.8037% | 3,847 |
| Total domestic deposits to total assets | 82.0748% | 5,168 |
| Equity capital to assets | 10.9499% | 3,017 |
| Core capital (leverage) ratio | 9.5490% | 4,000 |
| Tier 1 risk-based capital ratio | 15.0485% | 3,802 |
| Total risk-based capital ratio | 16.2991% | 3,757 |
| Memoranda: | ||
| Average total assets | $115,950,500 | 4,483 |
| Average earning assets | $111,006,500 | 4,352 |
| Average equity | $12,897,000 | 4,402 |
| Average total loans | $70,285,500 | 4,333 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 4,793 |
| Cost of funding earning assets | 0.5511% | 4,805 |
| Net interest margin | 3.5916% | 4,126 |
| Noninterest income to average assets | 0.3420% | 5,015 |
| Noninterest expense to average assets | 1.9600% | 6,392 |
| Loan and lease loss provision to assets | 0.0741% | 4,796 |
| Net operating income to assets | 1.1487% | 1,771 |
| Return on assets (ROA) | 1.1506% | 1,933 |
| Pretax return on assets | 1.7349% | 1,058 |
| Return on Equity (ROE) | 9.7191% | 2,299 |
| Retained earnings to average equity (ytd only) | 6.2440% | 1,953 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9929% | 6,464 |
| Assets per employee ($millions) | 6.6425% | 926 |
| Cash dividends to net income (ytd only)* | 35.7556% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 4,077 |
| Loan loss allowance to noncurrent loans | 6,481.2500% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 6,646 |
| Noncurrent loans to loans | 0.0219% | 6,476 |
| Net loans and leases to total assets | 63.7833% | 2,936 |
| Net loans and leases to deposits | 80.1919% | 2,255 |
| Net loans and leases to core deposits | 84.9423% | 2,437 |
| Total domestic deposits to total assets | 79.5383% | 5,776 |
| Equity capital to assets | 11.3050% | 2,627 |
| Core capital (leverage) ratio | 9.9150% | 3,522 |
| Tier 1 risk-based capital ratio | 13.9387% | 4,414 |
| Total risk-based capital ratio | 15.1907% | 4,390 |
| Memoranda: | ||
| Average total assets | $105,253,200 | 4,702 |
| Average earning assets | $100,346,000 | 4,589 |
| Average equity | $12,460,000 | 4,467 |
| Average total loans | $65,819,600 | 4,511 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 4,843 |
| Cost of funding earning assets | 0.5754% | 4,866 |
| Net interest margin | 3.6177% | 4,158 |
| Noninterest income to average assets | 0.3548% | 4,982 |
| Noninterest expense to average assets | 1.9018% | 6,520 |
| Loan and lease loss provision to assets | 0.0748% | 4,722 |
| Net operating income to assets | 1.1974% | 1,752 |
| Return on assets (ROA) | 1.1999% | 1,914 |
| Pretax return on assets | 1.8296% | 986 |
| Return on Equity (ROE) | 10.0131% | 2,343 |
| Retained earnings to average equity (ytd only) | 8.6027% | 1,376 |
| Net charge-offs to loans | 0.0021% | 5,746 |
| Credit loss provision to net charge-offs | 5,800.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 1,476.6541% | 23 |
| Efficiency ratio | 49.9830% | 6,592 |
| Assets per employee ($millions) | 6.3829% | 1,010 |
| Cash dividends to net income (ytd only)* | 14.0858% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 3,710 |
| Loan loss allowance to noncurrent loans | 2,419.0476% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 6,668 |
| Noncurrent loans to loans | 0.0643% | 6,456 |
| Net loans and leases to total assets | 59.2734% | 3,915 |
| Net loans and leases to deposits | 71.8208% | 3,636 |
| Net loans and leases to core deposits | 75.7919% | 3,756 |
| Total domestic deposits to total assets | 82.5296% | 4,823 |
| Equity capital to assets | 11.7953% | 2,440 |
| Core capital (leverage) ratio | 10.1893% | 3,296 |
| Tier 1 risk-based capital ratio | 15.3876% | 3,601 |
| Total risk-based capital ratio | 16.6399% | 3,556 |
| Memoranda: | ||
| Average total assets | $103,335,750 | 4,794 |
| Average earning assets | $98,476,500 | 4,678 |
| Average equity | $12,383,500 | 4,527 |
| Average total loans | $64,008,750 | 4,623 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 4,719 |
| Cost of funding earning assets | 0.5990% | 4,915 |
| Net interest margin | 3.6620% | 3,982 |
| Noninterest income to average assets | 0.3759% | 4,829 |
| Noninterest expense to average assets | 1.9781% | 6,480 |
| Loan and lease loss provision to assets | 0.0768% | 4,657 |
| Net operating income to assets | 1.1902% | 1,745 |
| Return on assets (ROA) | 1.1928% | 1,938 |
| Pretax return on assets | 1.8148% | 1,011 |
| Return on Equity (ROE) | 9.8979% | 2,400 |
| Retained earnings to average equity (ytd only) | 7.7583% | 1,734 |
| Net charge-offs to loans | -0.0094% | 6,275 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1711% | 6,565 |
| Assets per employee ($millions) | 6.1764% | 1,124 |
| Cash dividends to net income (ytd only)* | 21.6172% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 3,797 |
| Loan loss allowance to noncurrent loans | 3,850.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 6,768 |
| Noncurrent loans to loans | 0.0402% | 6,580 |
| Net loans and leases to total assets | 60.6453% | 3,695 |
| Net loans and leases to deposits | 73.7216% | 3,337 |
| Net loans and leases to core deposits | 77.9496% | 3,523 |
| Total domestic deposits to total assets | 82.2627% | 5,031 |
| Equity capital to assets | 11.8858% | 2,237 |
| Core capital (leverage) ratio | 10.0721% | 3,323 |
| Tier 1 risk-based capital ratio | 15.2111% | 3,622 |
| Total risk-based capital ratio | 16.4644% | 3,587 |
| Memoranda: | ||
| Average total assets | $101,611,330 | 4,864 |
| Average earning assets | $96,833,000 | 4,739 |
| Average equity | $12,245,000 | 4,551 |
| Average total loans | $63,567,330 | 4,654 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 4,792 |
| Cost of funding earning assets | 0.6141% | 5,017 |
| Net interest margin | 3.6720% | 3,953 |
| Noninterest income to average assets | 0.3443% | 5,104 |
| Noninterest expense to average assets | 1.9936% | 6,473 |
| Loan and lease loss provision to assets | 0.0761% | 4,447 |
| Net operating income to assets | 1.1570% | 1,861 |
| Return on assets (ROA) | 1.1570% | 2,041 |
| Pretax return on assets | 1.7695% | 1,151 |
| Return on Equity (ROE) | 9.5321% | 2,594 |
| Retained earnings to average equity (ytd only) | 9.5321% | 1,405 |
| Net charge-offs to loans | 0.0254% | 4,332 |
| Credit loss provision to net charge-offs | 475.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 115.2500% | 305 |
| Efficiency ratio | 51.9291% | 6,550 |
| Assets per employee ($millions) | 6.5836% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 3,891 |
| Loan loss allowance to noncurrent loans | 4,234.7826% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 6,854 |
| Noncurrent loans to loans | 0.0368% | 6,669 |
| Net loans and leases to total assets | 58.3508% | 3,979 |
| Net loans and leases to deposits | 70.7088% | 3,627 |
| Net loans and leases to core deposits | 74.9153% | 3,758 |
| Total domestic deposits to total assets | 82.5228% | 5,118 |
| Equity capital to assets | 11.6322% | 2,318 |
| Core capital (leverage) ratio | 10.0929% | 3,251 |
| Tier 1 risk-based capital ratio | 15.3680% | 3,518 |
| Total risk-based capital ratio | 16.6212% | 3,481 |
| Memoranda: | ||
| Average total assets | $99,917,500 | 4,939 |
| Average earning assets | $95,097,000 | 4,815 |
| Average equity | $12,127,500 | 4,586 |
| Average total loans | $63,012,000 | 4,698 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7608% | 3,978 |
| Cost of funding earning assets | 0.7663% | 5,091 |
| Net interest margin | 3.9945% | 2,912 |
| Noninterest income to average assets | 0.4478% | 4,234 |
| Noninterest expense to average assets | 2.1441% | 6,398 |
| Loan and lease loss provision to assets | 0.0850% | 5,544 |
| Net operating income to assets | 1.3181% | 1,198 |
| Return on assets (ROA) | 1.3368% | 1,249 |
| Pretax return on assets | 2.0178% | 515 |
| Return on Equity (ROE) | 10.4664% | 1,883 |
| Retained earnings to average equity (ytd only) | 6.7729% | 1,606 |
| Net charge-offs to loans | 0.0727% | 5,588 |
| Credit loss provision to net charge-offs | 181.3953% | 1,428 |
| Earnings coverage of net charge-offs (x) | 44.2791% | 621 |
| Efficiency ratio | 50.7748% | 6,792 |
| Assets per employee ($millions) | 5.9061% | 1,299 |
| Cash dividends to net income (ytd only)* | 35.2893% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 3,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 66.2723% | 2,735 |
| Net loans and leases to deposits | 82.2284% | 2,167 |
| Net loans and leases to core deposits | 86.2130% | 2,608 |
| Total domestic deposits to total assets | 80.5954% | 5,561 |
| Equity capital to assets | 12.7008% | 1,654 |
| Core capital (leverage) ratio | 10.5587% | 2,650 |
| Tier 1 risk-based capital ratio | 15.1299% | 3,558 |
| Total risk-based capital ratio | 16.3828% | 3,526 |
| Memoranda: | ||
| Average total assets | $91,785,200 | 5,141 |
| Average earning assets | $86,644,600 | 5,041 |
| Average equity | $11,723,200 | 4,613 |
| Average total loans | $59,133,800 | 4,899 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 4,093 |
| Cost of funding earning assets | 0.7913% | 5,204 |
| Net interest margin | 3.9936% | 2,938 |
| Noninterest income to average assets | 0.4581% | 4,234 |
| Noninterest expense to average assets | 2.1498% | 6,396 |
| Loan and lease loss provision to assets | 0.0849% | 5,384 |
| Net operating income to assets | 1.2987% | 1,374 |
| Return on assets (ROA) | 1.3025% | 1,458 |
| Pretax return on assets | 1.9961% | 627 |
| Return on Equity (ROE) | 10.1827% | 2,139 |
| Retained earnings to average equity (ytd only) | 8.6838% | 1,254 |
| Net charge-offs to loans | 0.0414% | 5,574 |
| Credit loss provision to net charge-offs | 322.2222% | 867 |
| Earnings coverage of net charge-offs (x) | 78.7758% | 445 |
| Efficiency ratio | 50.8486% | 6,775 |
| Assets per employee ($millions) | 5.8428% | 1,314 |
| Cash dividends to net income (ytd only)* | 14.7189% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 3,625 |
| Loan loss allowance to noncurrent loans | 669.4444% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 6,659 |
| Noncurrent loans to loans | 0.2403% | 6,391 |
| Net loans and leases to total assets | 63.0718% | 3,496 |
| Net loans and leases to deposits | 78.1347% | 2,958 |
| Net loans and leases to core deposits | 82.4102% | 3,265 |
| Total domestic deposits to total assets | 80.7218% | 5,524 |
| Equity capital to assets | 12.8043% | 1,715 |
| Core capital (leverage) ratio | 10.6385% | 2,721 |
| Tier 1 risk-based capital ratio | 15.8704% | 3,181 |
| Total risk-based capital ratio | 17.1247% | 3,134 |
| Memoranda: | ||
| Average total assets | $91,107,000 | 5,197 |
| Average earning assets | $85,935,500 | 5,092 |
| Average equity | $11,653,500 | 4,647 |
| Average total loans | $58,021,000 | 4,995 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 4,217 |
| Cost of funding earning assets | 0.8085% | 5,312 |
| Net interest margin | 3.9601% | 3,039 |
| Noninterest income to average assets | 0.4850% | 3,977 |
| Noninterest expense to average assets | 2.1680% | 6,462 |
| Loan and lease loss provision to assets | 0.0864% | 5,231 |
| Net operating income to assets | 1.2733% | 1,387 |
| Return on assets (ROA) | 1.2733% | 1,453 |
| Pretax return on assets | 1.9620% | 634 |
| Return on Equity (ROE) | 9.9584% | 2,130 |
| Retained earnings to average equity (ytd only) | 7.6896% | 1,586 |
| Net charge-offs to loans | 0.0662% | 4,975 |
| Credit loss provision to net charge-offs | 205.2632% | 1,469 |
| Earnings coverage of net charge-offs (x) | 48.6842% | 636 |
| Efficiency ratio | 51.3655% | 6,841 |
| Assets per employee ($millions) | 5.7356% | 1,355 |
| Cash dividends to net income (ytd only)* | 22.7826% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 3,493 |
| Loan loss allowance to noncurrent loans | 171.6364% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 5,721 |
| Noncurrent loans to loans | 0.9614% | 5,066 |
| Net loans and leases to total assets | 61.3137% | 4,024 |
| Net loans and leases to deposits | 76.0930% | 3,452 |
| Net loans and leases to core deposits | 80.3413% | 3,734 |
| Total domestic deposits to total assets | 80.5773% | 5,657 |
| Equity capital to assets | 12.7069% | 1,670 |
| Core capital (leverage) ratio | 10.6520% | 2,566 |
| Tier 1 risk-based capital ratio | 16.0758% | 2,943 |
| Total risk-based capital ratio | 17.3309% | 2,907 |
| Memoranda: | ||
| Average total assets | $90,314,670 | 5,248 |
| Average earning assets | $85,098,330 | 5,157 |
| Average equity | $11,548,000 | 4,676 |
| Average total loans | $57,386,000 | 5,067 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6896% | 4,568 |
| Cost of funding earning assets | 0.8228% | 5,447 |
| Net interest margin | 3.8668% | 3,315 |
| Noninterest income to average assets | 0.4286% | 4,466 |
| Noninterest expense to average assets | 2.1833% | 6,460 |
| Loan and lease loss provision to assets | 0.0893% | 4,895 |
| Net operating income to assets | 1.1519% | 1,659 |
| Return on assets (ROA) | 1.1519% | 1,705 |
| Pretax return on assets | 1.7860% | 843 |
| Return on Equity (ROE) | 8.9806% | 2,479 |
| Retained earnings to average equity (ytd only) | 8.9806% | 1,384 |
| Net charge-offs to loans | 0.1322% | 3,718 |
| Credit loss provision to net charge-offs | 105.2632% | 2,532 |
| Earnings coverage of net charge-offs (x) | 22.1053% | 1,060 |
| Efficiency ratio | 53.7954% | 6,709 |
| Assets per employee ($millions) | 5.7079% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 3,414 |
| Loan loss allowance to noncurrent loans | 973.6842% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 6,900 |
| Noncurrent loans to loans | 0.1724% | 6,621 |
| Net loans and leases to total assets | 59.3121% | 4,402 |
| Net loans and leases to deposits | 73.5998% | 3,823 |
| Net loans and leases to core deposits | 77.2207% | 4,130 |
| Total domestic deposits to total assets | 80.5873% | 5,794 |
| Equity capital to assets | 12.7148% | 1,515 |
| Core capital (leverage) ratio | 10.8405% | 2,322 |
| Tier 1 risk-based capital ratio | 16.7203% | 2,579 |
| Total risk-based capital ratio | 17.9740% | 2,551 |
| Memoranda: | ||
| Average total assets | $89,587,500 | 5,305 |
| Average earning assets | $84,101,000 | 5,225 |
| Average equity | $11,491,500 | 4,673 |
| Average total loans | $57,473,500 | 5,110 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2003% | 3,611 |
| Cost of funding earning assets | 1.0595% | 5,370 |
| Net interest margin | 4.1408% | 2,407 |
| Noninterest income to average assets | 0.4592% | 4,444 |
| Noninterest expense to average assets | 2.1733% | 6,688 |
| Loan and lease loss provision to assets | 0.1099% | 6,054 |
| Net operating income to assets | 1.3467% | 1,059 |
| Return on assets (ROA) | 1.3558% | 1,109 |
| Pretax return on assets | 2.0474% | 440 |
| Return on Equity (ROE) | 10.6328% | 1,716 |
| Retained earnings to average equity (ytd only) | 6.9957% | 1,326 |
| Net charge-offs to loans | -0.0069% | 7,295 |
| Credit loss provision to net charge-offs | -2,400.0000% | 7,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2918% | 7,099 |
| Assets per employee ($millions) | 5.4905% | 1,591 |
| Cash dividends to net income (ytd only)* | 34.2061% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 3,805 |
| Loan loss allowance to noncurrent loans | 803.4783% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 6,908 |
| Noncurrent loans to loans | 0.1921% | 6,686 |
| Net loans and leases to total assets | 67.0818% | 3,196 |
| Net loans and leases to deposits | 86.6006% | 1,989 |
| Net loans and leases to core deposits | 91.2173% | 2,586 |
| Total domestic deposits to total assets | 77.4611% | 6,409 |
| Equity capital to assets | 12.9439% | 1,415 |
| Core capital (leverage) ratio | 10.9477% | 2,199 |
| Tier 1 risk-based capital ratio | 15.3958% | 3,046 |
| Total risk-based capital ratio | 16.6494% | 3,005 |
| Memoranda: | ||
| Average total assets | $87,331,000 | 5,365 |
| Average earning assets | $81,360,800 | 5,296 |
| Average equity | $11,135,400 | 4,832 |
| Average total loans | $57,657,800 | 5,174 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1896% | 3,883 |
| Cost of funding earning assets | 1.1122% | 5,366 |
| Net interest margin | 4.0774% | 2,728 |
| Noninterest income to average assets | 0.4694% | 4,419 |
| Noninterest expense to average assets | 2.1604% | 6,711 |
| Loan and lease loss provision to assets | 0.1101% | 5,934 |
| Net operating income to assets | 1.2877% | 1,359 |
| Return on assets (ROA) | 1.2996% | 1,408 |
| Pretax return on assets | 2.0121% | 608 |
| Return on Equity (ROE) | 10.2317% | 2,037 |
| Retained earnings to average equity (ytd only) | 8.6066% | 1,199 |
| Net charge-offs to loans | -0.0070% | 7,235 |
| Credit loss provision to net charge-offs | -2,400.0000% | 7,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6275% | 7,105 |
| Assets per employee ($millions) | 5.3978% | 1,723 |
| Cash dividends to net income (ytd only)* | 15.8827% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 3,720 |
| Loan loss allowance to noncurrent loans | 725.0000% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 6,993 |
| Noncurrent loans to loans | 0.2143% | 6,751 |
| Net loans and leases to total assets | 65.9503% | 3,701 |
| Net loans and leases to deposits | 82.9059% | 2,930 |
| Net loans and leases to core deposits | 87.1450% | 3,499 |
| Total domestic deposits to total assets | 79.5484% | 5,849 |
| Equity capital to assets | 13.2808% | 1,458 |
| Core capital (leverage) ratio | 10.6648% | 2,542 |
| Tier 1 risk-based capital ratio | 15.7655% | 2,876 |
| Total risk-based capital ratio | 17.0193% | 2,829 |
| Memoranda: | ||
| Average total assets | $87,201,750 | 5,436 |
| Average earning assets | $81,160,750 | 5,367 |
| Average equity | $11,076,500 | 4,904 |
| Average total loans | $57,108,750 | 5,273 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1790% | 4,051 |
| Cost of funding earning assets | 1.1361% | 5,479 |
| Net interest margin | 4.0429% | 2,827 |
| Noninterest income to average assets | 0.4915% | 4,181 |
| Noninterest expense to average assets | 2.1376% | 6,797 |
| Loan and lease loss provision to assets | 0.1097% | 5,809 |
| Net operating income to assets | 1.3101% | 1,282 |
| Return on assets (ROA) | 1.3146% | 1,339 |
| Pretax return on assets | 2.0096% | 594 |
| Return on Equity (ROE) | 10.5068% | 1,928 |
| Retained earnings to average equity (ytd only) | 8.0400% | 1,425 |
| Net charge-offs to loans | -0.0106% | 7,197 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2421% | 7,206 |
| Assets per employee ($millions) | 5.6473% | 1,492 |
| Cash dividends to net income (ytd only)* | 23.4783% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 3,662 |
| Loan loss allowance to noncurrent loans | 657.8947% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 7,024 |
| Noncurrent loans to loans | 0.2359% | 6,762 |
| Net loans and leases to total assets | 61.4281% | 4,795 |
| Net loans and leases to deposits | 80.6662% | 3,489 |
| Net loans and leases to core deposits | 85.0975% | 3,979 |
| Total domestic deposits to total assets | 76.1510% | 6,662 |
| Equity capital to assets | 12.3877% | 1,878 |
| Core capital (leverage) ratio | 10.5889% | 2,552 |
| Tier 1 risk-based capital ratio | 15.4489% | 2,923 |
| Total risk-based capital ratio | 16.7015% | 2,884 |
| Memoranda: | ||
| Average total assets | $87,480,670 | 5,467 |
| Average earning assets | $81,328,000 | 5,395 |
| Average equity | $10,945,330 | 4,935 |
| Average total loans | $56,859,330 | 5,316 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2544% | 3,762 |
| Cost of funding earning assets | 1.1737% | 5,534 |
| Net interest margin | 4.0806% | 2,525 |
| Noninterest income to average assets | 0.4835% | 4,174 |
| Noninterest expense to average assets | 2.1524% | 6,799 |
| Loan and lease loss provision to assets | 0.1116% | 5,496 |
| Net operating income to assets | 1.3249% | 1,234 |
| Return on assets (ROA) | 1.3249% | 1,308 |
| Pretax return on assets | 2.0176% | 584 |
| Return on Equity (ROE) | 10.5346% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.5346% | 1,029 |
| Net charge-offs to loans | -0.0280% | 7,169 |
| Credit loss provision to net charge-offs | -600.0000% | 6,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2714% | 7,299 |
| Assets per employee ($millions) | 5.4234% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 3,791 |
| Loan loss allowance to noncurrent loans | 1,078.4810% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 7,258 |
| Noncurrent loans to loans | 0.1413% | 7,052 |
| Net loans and leases to total assets | 63.4676% | 4,434 |
| Net loans and leases to deposits | 80.0692% | 3,646 |
| Net loans and leases to core deposits | 84.4641% | 4,142 |
| Total domestic deposits to total assets | 79.2659% | 6,016 |
| Equity capital to assets | 12.6488% | 1,678 |
| Core capital (leverage) ratio | 10.3748% | 2,742 |
| Tier 1 risk-based capital ratio | 14.8319% | 3,192 |
| Total risk-based capital ratio | 16.0839% | 3,151 |
| Memoranda: | ||
| Average total assets | $86,043,000 | 5,571 |
| Average earning assets | $80,085,500 | 5,501 |
| Average equity | $10,821,500 | 5,021 |
| Average total loans | $57,099,500 | 5,378 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7810% | 2,738 |
| Cost of funding earning assets | 1.5876% | 5,088 |
| Net interest margin | 4.1934% | 2,088 |
| Noninterest income to average assets | 0.4000% | 5,198 |
| Noninterest expense to average assets | 2.4111% | 6,433 |
| Loan and lease loss provision to assets | 0.1915% | 5,809 |
| Net operating income to assets | 1.1003% | 1,510 |
| Return on assets (ROA) | 1.0861% | 1,596 |
| Pretax return on assets | 1.6595% | 851 |
| Return on Equity (ROE) | 8.4937% | 2,199 |
| Retained earnings to average equity (ytd only) | 4.9768% | 1,827 |
| Net charge-offs to loans | 0.0713% | 6,400 |
| Credit loss provision to net charge-offs | 395.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 38.6250% | 615 |
| Efficiency ratio | 56.2252% | 6,986 |
| Assets per employee ($millions) | 5.3319% | 1,811 |
| Cash dividends to net income (ytd only)* | 41.4063% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 4,155 |
| Loan loss allowance to noncurrent loans | 2,060.0000% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 7,388 |
| Noncurrent loans to loans | 0.0686% | 7,254 |
| Net loans and leases to total assets | 67.3407% | 3,849 |
| Net loans and leases to deposits | 84.5671% | 3,168 |
| Net loans and leases to core deposits | 102.3062% | 3,772 |
| Total domestic deposits to total assets | 79.6298% | 5,802 |
| Equity capital to assets | 12.5037% | 1,746 |
| Core capital (leverage) ratio | 10.3833% | 2,703 |
| Tier 1 risk-based capital ratio | 13.7847% | 3,641 |
| Total risk-based capital ratio | 15.0352% | 3,573 |
| Memoranda: | ||
| Average total assets | $82,494,800 | 5,653 |
| Average earning assets | $76,405,200 | 5,587 |
| Average equity | $10,549,000 | 5,142 |
| Average total loans | $56,107,600 | 5,413 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8344% | 2,725 |
| Cost of funding earning assets | 1.6707% | 5,057 |
| Net interest margin | 4.1637% | 2,171 |
| Noninterest income to average assets | 0.4043% | 5,244 |
| Noninterest expense to average assets | 2.4338% | 6,296 |
| Loan and lease loss provision to assets | 0.2119% | 5,290 |
| Net operating income to assets | 1.0563% | 1,879 |
| Return on assets (ROA) | 1.0563% | 1,940 |
| Pretax return on assets | 1.6138% | 1,148 |
| Return on Equity (ROE) | 8.2131% | 2,552 |
| Retained earnings to average equity (ytd only) | 6.5020% | 1,705 |
| Net charge-offs to loans | 0.0480% | 6,247 |
| Credit loss provision to net charge-offs | 650.0000% | 573 |
| Earnings coverage of net charge-offs (x) | 55.9918% | 584 |
| Efficiency ratio | 57.1374% | 6,855 |
| Assets per employee ($millions) | 5.2199% | 1,865 |
| Cash dividends to net income (ytd only)* | 20.8338% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 3,662 |
| Loan loss allowance to noncurrent loans | 10,200.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 7,434 |
| Noncurrent loans to loans | 0.0143% | 7,492 |
| Net loans and leases to total assets | 66.1079% | 4,404 |
| Net loans and leases to deposits | 83.4522% | 3,744 |
| Net loans and leases to core deposits | 100.4786% | 4,322 |
| Total domestic deposits to total assets | 79.2165% | 5,729 |
| Equity capital to assets | 12.8176% | 1,778 |
| Core capital (leverage) ratio | 10.4384% | 2,842 |
| Tier 1 risk-based capital ratio | 14.2852% | 3,392 |
| Total risk-based capital ratio | 15.5364% | 3,339 |
| Memoranda: | ||
| Average total assets | $81,790,750 | 5,701 |
| Average earning assets | $75,732,500 | 5,641 |
| Average equity | $10,519,500 | 5,192 |
| Average total loans | $55,566,250 | 5,479 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8817% | 2,668 |
| Cost of funding earning assets | 1.7418% | 5,056 |
| Net interest margin | 4.1399% | 2,194 |
| Noninterest income to average assets | 0.4236% | 5,091 |
| Noninterest expense to average assets | 2.4798% | 6,179 |
| Loan and lease loss provision to assets | 0.1724% | 5,341 |
| Net operating income to assets | 1.0540% | 1,936 |
| Return on assets (ROA) | 1.0540% | 2,008 |
| Pretax return on assets | 1.5933% | 1,221 |
| Return on Equity (ROE) | 8.1854% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.1854% | 1,158 |
| Net charge-offs to loans | 0.0722% | 5,495 |
| Credit loss provision to net charge-offs | 350.0000% | 1,323 |
| Earnings coverage of net charge-offs (x) | 35.8500% | 886 |
| Efficiency ratio | 58.4107% | 6,784 |
| Assets per employee ($millions) | 5.2373% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 4,036 |
| Loan loss allowance to noncurrent loans | 487.7419% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 6,932 |
| Noncurrent loans to loans | 0.2748% | 6,835 |
| Net loans and leases to total assets | 66.4129% | 4,477 |
| Net loans and leases to deposits | 83.5879% | 3,956 |
| Net loans and leases to core deposits | 99.2227% | 4,582 |
| Total domestic deposits to total assets | 79.4527% | 5,670 |
| Equity capital to assets | 12.6830% | 1,844 |
| Core capital (leverage) ratio | 10.5272% | 2,790 |
| Tier 1 risk-based capital ratio | 14.1361% | 3,437 |
| Total risk-based capital ratio | 15.3867% | 3,376 |
| Memoranda: | ||
| Average total assets | $81,215,000 | 5,753 |
| Average earning assets | $74,978,000 | 5,712 |
| Average equity | $10,457,670 | 5,228 |
| Average total loans | $55,412,330 | 5,535 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0119% | 2,309 |
| Cost of funding earning assets | 1.8385% | 4,924 |
| Net interest margin | 4.1734% | 2,000 |
| Noninterest income to average assets | 0.3804% | 5,379 |
| Noninterest expense to average assets | 2.3322% | 6,430 |
| Loan and lease loss provision to assets | 0.1501% | 5,004 |
| Net operating income to assets | 1.1311% | 1,863 |
| Return on assets (ROA) | 1.1311% | 1,984 |
| Pretax return on assets | 1.7266% | 1,125 |
| Return on Equity (ROE) | 8.7154% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.7154% | 1,564 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4102% | 7,049 |
| Assets per employee ($millions) | 5.1414% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 3,763 |
| Loan loss allowance to noncurrent loans | 2,230.3030% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 7,344 |
| Noncurrent loans to loans | 0.0608% | 7,359 |
| Net loans and leases to total assets | 65.1010% | 4,792 |
| Net loans and leases to deposits | 82.2364% | 4,247 |
| Net loans and leases to core deposits | 96.5633% | 4,892 |
| Total domestic deposits to total assets | 79.1632% | 5,662 |
| Equity capital to assets | 12.7068% | 1,885 |
| Core capital (leverage) ratio | 10.4609% | 2,970 |
| Tier 1 risk-based capital ratio | 14.2936% | 3,436 |
| Total risk-based capital ratio | 15.5440% | 3,357 |
| Memoranda: | ||
| Average total assets | $79,924,000 | 5,826 |
| Average earning assets | $73,321,000 | 5,801 |
| Average equity | $10,372,500 | 5,272 |
| Average total loans | $54,914,500 | 5,595 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6402% | 2,292 |
| Cost of funding earning assets | 2.5966% | 3,707 |
| Net interest margin | 4.0435% | 2,934 |
| Noninterest income to average assets | 0.4125% | 5,368 |
| Noninterest expense to average assets | 2.4061% | 6,369 |
| Loan and lease loss provision to assets | 0.0769% | 6,437 |
| Net operating income to assets | 1.0530% | 2,340 |
| Return on assets (ROA) | 1.0800% | 2,141 |
| Pretax return on assets | 1.6848% | 1,175 |
| Return on Equity (ROE) | 8.4268% | 2,879 |
| Retained earnings to average equity (ytd only) | 5.0481% | 1,998 |
| Net charge-offs to loans | -0.0127% | 7,877 |
| Credit loss provision to net charge-offs | -857.1429% | 7,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2609% | 6,650 |
| Assets per employee ($millions) | 4.8491% | 2,116 |
| Cash dividends to net income (ytd only)* | 40.0949% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 3,983 |
| Loan loss allowance to noncurrent loans | 2,353.3333% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 7,236 |
| Noncurrent loans to loans | 0.0540% | 7,292 |
| Net loans and leases to total assets | 70.6747% | 3,865 |
| Net loans and leases to deposits | 91.2439% | 3,253 |
| Net loans and leases to core deposits | 106.2902% | 4,161 |
| Total domestic deposits to total assets | 77.4570% | 5,887 |
| Equity capital to assets | 13.2655% | 1,682 |
| Core capital (leverage) ratio | 10.5405% | 2,946 |
| Tier 1 risk-based capital ratio | 13.8700% | 3,611 |
| Total risk-based capital ratio | 15.0864% | 3,550 |
| Memoranda: | ||
| Average total assets | $78,052,000 | 5,764 |
| Average earning assets | $71,669,800 | 5,754 |
| Average equity | $10,003,800 | 5,409 |
| Average total loans | $54,987,800 | 5,487 |