Home > The Fort Jennings State Bank > Performance and Condition Ratios
The Fort Jennings State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7002% | 925 |
| Cost of funding earning assets | 0.7864% | 3,778 |
| Net interest margin | 4.9137% | 355 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.6514% | 1,869 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 1.3243% | 1,381 |
| Return on assets (ROA) | 1.3243% | 1,349 |
| Pretax return on assets | 1.6376% | 1,169 |
| Return on Equity (ROE) | 12.8800% | 1,757 |
| Retained earnings to average equity (ytd only) | 9.3833% | 1,160 |
| Net charge-offs to loans | 0.0093% | 2,303 |
| Credit loss provision to net charge-offs | 5,058.8235% | 106 |
| Earnings coverage of net charge-offs (x) | 285.1765% | 449 |
| Efficiency ratio | 57.1163% | 3,384 |
| Assets per employee ($millions) | 5.3573% | 3,352 |
| Cash dividends to net income (ytd only)* | 27.1318% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4144% | 216 |
| Loan loss allowance to noncurrent loans | 343.4103% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 1,048 |
| Noncurrent loans to loans | 0.7031% | 1,108 |
| Net loans and leases to total assets | 74.0300% | 1,361 |
| Net loans and leases to deposits | 84.1820% | 1,763 |
| Net loans and leases to core deposits | 91.1200% | 1,975 |
| Total domestic deposits to total assets | 87.9400% | 1,380 |
| Equity capital to assets | 10.6215% | 1,663 |
| Core capital (leverage) ratio | 11.3764% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $243,527,200 | 2,721 |
| Average earning assets | $218,713,200 | 2,752 |
| Average equity | $25,044,600 | 2,515 |
| Average total loans | $181,946,200 | 2,430 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5711% | 938 |
| Cost of funding earning assets | 0.6826% | 3,806 |
| Net interest margin | 4.8886% | 361 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.7200% | 1,604 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.3219% | 1,495 |
| Return on assets (ROA) | 1.3219% | 1,475 |
| Pretax return on assets | 1.7515% | 1,080 |
| Return on Equity (ROE) | 12.9600% | 1,904 |
| Retained earnings to average equity (ytd only) | 8.2263% | 1,879 |
| Net charge-offs to loans | 0.0082% | 2,110 |
| Credit loss provision to net charge-offs | 2,454.5455% | 196 |
| Earnings coverage of net charge-offs (x) | 312.9091% | 441 |
| Efficiency ratio | 58.8671% | 3,102 |
| Assets per employee ($millions) | 5.2613% | 3,380 |
| Cash dividends to net income (ytd only)* | 36.5497% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1826% | 304 |
| Loan loss allowance to noncurrent loans | 362.5563% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 1,268 |
| Noncurrent loans to loans | 0.6020% | 1,340 |
| Net loans and leases to total assets | 74.5900% | 1,285 |
| Net loans and leases to deposits | 84.5515% | 1,694 |
| Net loans and leases to core deposits | 89.7791% | 1,941 |
| Total domestic deposits to total assets | 88.2200% | 1,500 |
| Equity capital to assets | 10.2925% | 1,649 |
| Core capital (leverage) ratio | 11.1839% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $241,461,000 | 2,733 |
| Average earning assets | $217,209,250 | 2,772 |
| Average equity | $24,619,750 | 2,532 |
| Average total loans | $179,678,500 | 2,452 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3774% | 980 |
| Cost of funding earning assets | 0.5607% | 3,854 |
| Net interest margin | 4.8167% | 394 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.6534% | 1,778 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.3321% | 1,489 |
| Return on assets (ROA) | 1.3321% | 1,473 |
| Pretax return on assets | 1.7490% | 1,118 |
| Return on Equity (ROE) | 13.1100% | 1,876 |
| Retained earnings to average equity (ytd only) | 8.0088% | 1,960 |
| Net charge-offs to loans | 0.0112% | 1,780 |
| Credit loss provision to net charge-offs | 1,800.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 229.0000% | 540 |
| Efficiency ratio | 58.2954% | 3,159 |
| Assets per employee ($millions) | 5.2793% | 3,340 |
| Cash dividends to net income (ytd only)* | 38.8923% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1828% | 315 |
| Loan loss allowance to noncurrent loans | 296.1654% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.5477% | 989 |
| Noncurrent loans to loans | 0.7370% | 1,022 |
| Net loans and leases to total assets | 72.6900% | 1,449 |
| Net loans and leases to deposits | 82.2515% | 1,809 |
| Net loans and leases to core deposits | 86.5354% | 2,029 |
| Total domestic deposits to total assets | 88.3700% | 1,471 |
| Equity capital to assets | 10.3337% | 1,669 |
| Core capital (leverage) ratio | 10.9740% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $241,274,000 | 2,740 |
| Average earning assets | $216,872,000 | 2,781 |
| Average equity | $24,523,000 | 2,540 |
| Average total loans | $178,053,333 | 2,464 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1569% | 1,007 |
| Cost of funding earning assets | 0.4155% | 3,923 |
| Net interest margin | 4.7414% | 414 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.7145% | 1,635 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.3356% | 1,580 |
| Return on assets (ROA) | 1.3356% | 1,550 |
| Pretax return on assets | 1.6101% | 1,434 |
| Return on Equity (ROE) | 13.2500% | 1,939 |
| Retained earnings to average equity (ytd only) | 2.9377% | 3,519 |
| Net charge-offs to loans | 0.0136% | 1,446 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 176.3333% | 546 |
| Efficiency ratio | 60.6691% | 2,865 |
| Assets per employee ($millions) | 5.5122% | 3,210 |
| Cash dividends to net income (ytd only)* | 77.8331% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1995% | 320 |
| Loan loss allowance to noncurrent loans | 289.2643% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5492% | 941 |
| Noncurrent loans to loans | 0.7604% | 1,013 |
| Net loans and leases to total assets | 70.6400% | 1,561 |
| Net loans and leases to deposits | 79.7179% | 1,838 |
| Net loans and leases to core deposits | 83.2285% | 2,044 |
| Total domestic deposits to total assets | 88.6100% | 1,697 |
| Equity capital to assets | 10.0735% | 1,781 |
| Core capital (leverage) ratio | 10.8443% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $240,487,500 | 2,787 |
| Average earning assets | $215,633,500 | 2,824 |
| Average equity | $24,237,000 | 2,585 |
| Average total loans | $176,850,500 | 2,491 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 848 |
| Cost of funding earning assets | 0.1645% | 4,034 |
| Net interest margin | 4.2533% | 464 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.6650% | 1,643 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0761% | 2,279 |
| Return on assets (ROA) | 1.0761% | 2,218 |
| Pretax return on assets | 1.3347% | 1,980 |
| Return on Equity (ROE) | 10.7200% | 2,571 |
| Retained earnings to average equity (ytd only) | 8.1317% | 1,782 |
| Net charge-offs to loans | 0.0012% | 2,529 |
| Credit loss provision to net charge-offs | 7,500.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 1,641.5000% | 104 |
| Efficiency ratio | 65.5834% | 2,283 |
| Assets per employee ($millions) | 5.1834% | 3,529 |
| Cash dividends to net income (ytd only)* | 24.1489% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1112% | 357 |
| Loan loss allowance to noncurrent loans | 339.2439% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 1,091 |
| Noncurrent loans to loans | 0.6223% | 1,194 |
| Net loans and leases to total assets | 73.2900% | 1,283 |
| Net loans and leases to deposits | 82.7873% | 1,555 |
| Net loans and leases to core deposits | 85.9232% | 1,757 |
| Total domestic deposits to total assets | 88.5300% | 1,870 |
| Equity capital to assets | 10.0832% | 1,676 |
| Core capital (leverage) ratio | 10.8410% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $234,742,600 | 2,822 |
| Average earning assets | $211,598,800 | 2,850 |
| Average equity | $23,562,200 | 2,668 |
| Average total loans | $172,097,200 | 2,436 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 908 |
| Cost of funding earning assets | 0.1570% | 3,761 |
| Net interest margin | 4.0338% | 601 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.5324% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0447% | 2,302 |
| Return on assets (ROA) | 1.0447% | 2,267 |
| Pretax return on assets | 1.3474% | 1,897 |
| Return on Equity (ROE) | 10.4200% | 2,604 |
| Retained earnings to average equity (ytd only) | 6.9502% | 2,376 |
| Net charge-offs to loans | 0.0016% | 2,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,181.5000% | 125 |
| Efficiency ratio | 65.2704% | 2,375 |
| Assets per employee ($millions) | 5.3774% | 3,349 |
| Cash dividends to net income (ytd only)* | 33.2969% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0578% | 452 |
| Loan loss allowance to noncurrent loans | 318.0141% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 1,129 |
| Noncurrent loans to loans | 0.6471% | 1,260 |
| Net loans and leases to total assets | 72.8000% | 1,201 |
| Net loans and leases to deposits | 81.7354% | 1,465 |
| Net loans and leases to core deposits | 84.5088% | 1,620 |
| Total domestic deposits to total assets | 89.0700% | 2,062 |
| Equity capital to assets | 9.7014% | 1,771 |
| Core capital (leverage) ratio | 10.6037% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $233,819,000 | 2,848 |
| Average earning assets | $211,408,250 | 2,871 |
| Average equity | $23,442,250 | 2,711 |
| Average total loans | $170,490,750 | 2,453 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0365% | 885 |
| Cost of funding earning assets | 0.1706% | 3,307 |
| Net interest margin | 3.8658% | 656 |
| Noninterest income to average assets | 0.2379% | 3,749 |
| Noninterest expense to average assets | 2.4965% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9678% | 2,280 |
| Return on assets (ROA) | 0.9678% | 2,252 |
| Pretax return on assets | 1.2435% | 1,924 |
| Return on Equity (ROE) | 9.5488% | 2,510 |
| Retained earnings to average equity (ytd only) | 6.7952% | 2,054 |
| Net charge-offs to loans | 0.0047% | 1,847 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 362.0000% | 349 |
| Efficiency ratio | 66.7509% | 2,406 |
| Assets per employee ($millions) | 5.0077% | 3,672 |
| Cash dividends to net income (ytd only)* | 28.8376% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1158% | 436 |
| Loan loss allowance to noncurrent loans | 317.8383% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 1,155 |
| Noncurrent loans to loans | 0.6657% | 1,290 |
| Net loans and leases to total assets | 72.6423% | 1,043 |
| Net loans and leases to deposits | 81.8421% | 1,256 |
| Net loans and leases to core deposits | 84.7515% | 1,410 |
| Total domestic deposits to total assets | 88.7591% | 2,277 |
| Equity capital to assets | 10.1512% | 1,626 |
| Core capital (leverage) ratio | 10.6599% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,890,667 | 2,870 |
| Average earning assets | $210,977,333 | 2,910 |
| Average equity | $23,605,000 | 2,770 |
| Average total loans | $168,699,667 | 2,474 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9527% | 845 |
| Cost of funding earning assets | 0.1674% | 3,256 |
| Net interest margin | 3.7852% | 651 |
| Noninterest income to average assets | 0.2340% | 3,741 |
| Noninterest expense to average assets | 2.5880% | 1,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8302% | 2,555 |
| Return on assets (ROA) | 0.8302% | 2,550 |
| Pretax return on assets | 1.0830% | 2,194 |
| Return on Equity (ROE) | 8.1972% | 2,604 |
| Retained earnings to average equity (ytd only) | 2.7155% | 3,358 |
| Net charge-offs to loans | 0.0501% | 789 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 30.1905% | 1,126 |
| Efficiency ratio | 70.4979% | 2,157 |
| Assets per employee ($millions) | 5.3011% | 3,484 |
| Cash dividends to net income (ytd only)* | 66.8724% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1403% | 493 |
| Loan loss allowance to noncurrent loans | 302.0134% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 1,176 |
| Noncurrent loans to loans | 0.7087% | 1,342 |
| Net loans and leases to total assets | 70.5685% | 964 |
| Net loans and leases to deposits | 79.5397% | 1,176 |
| Net loans and leases to core deposits | 82.0871% | 1,342 |
| Total domestic deposits to total assets | 88.7211% | 2,202 |
| Equity capital to assets | 10.0377% | 1,862 |
| Core capital (leverage) ratio | 10.2218% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,158,000 | 2,875 |
| Average earning assets | $212,615,500 | 2,910 |
| Average equity | $23,715,500 | 2,853 |
| Average total loans | $167,573,000 | 2,479 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 835 |
| Cost of funding earning assets | 0.2693% | 2,711 |
| Net interest margin | 4.0433% | 652 |
| Noninterest income to average assets | 0.2447% | 3,907 |
| Noninterest expense to average assets | 2.4768% | 2,252 |
| Loan and lease loss provision to assets | 0.2649% | 333 |
| Net operating income to assets | 0.9308% | 2,933 |
| Return on assets (ROA) | 0.9308% | 3,002 |
| Pretax return on assets | 1.1774% | 2,741 |
| Return on Equity (ROE) | 8.9288% | 2,940 |
| Retained earnings to average equity (ytd only) | 6.3445% | 2,206 |
| Net charge-offs to loans | 0.1015% | 848 |
| Credit loss provision to net charge-offs | 371.0692% | 955 |
| Earnings coverage of net charge-offs (x) | 20.2013% | 1,859 |
| Efficiency ratio | 63.1989% | 2,683 |
| Assets per employee ($millions) | 5.5968% | 3,165 |
| Cash dividends to net income (ytd only)* | 28.9436% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1690% | 468 |
| Loan loss allowance to noncurrent loans | 311.3500% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 1,348 |
| Noncurrent loans to loans | 0.6966% | 1,445 |
| Net loans and leases to total assets | 69.4801% | 1,098 |
| Net loans and leases to deposits | 78.5616% | 1,348 |
| Net loans and leases to core deposits | 81.1479% | 1,510 |
| Total domestic deposits to total assets | 88.4403% | 1,824 |
| Equity capital to assets | 10.2176% | 2,451 |
| Core capital (leverage) ratio | 10.1992% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,703,200 | 2,888 |
| Average earning assets | $202,381,800 | 2,936 |
| Average equity | $23,217,000 | 2,962 |
| Average total loans | $156,682,000 | 2,576 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 1,306 |
| Cost of funding earning assets | 0.2945% | 2,647 |
| Net interest margin | 3.8042% | 1,110 |
| Noninterest income to average assets | 0.2477% | 3,911 |
| Noninterest expense to average assets | 2.4491% | 2,277 |
| Loan and lease loss provision to assets | 0.1093% | 1,108 |
| Net operating income to assets | 0.8585% | 3,354 |
| Return on assets (ROA) | 0.8585% | 3,425 |
| Pretax return on assets | 1.1481% | 3,082 |
| Return on Equity (ROE) | 8.1909% | 3,349 |
| Retained earnings to average equity (ytd only) | 4.7153% | 3,326 |
| Net charge-offs to loans | 0.1540% | 539 |
| Credit loss provision to net charge-offs | 101.1236% | 1,566 |
| Earnings coverage of net charge-offs (x) | 11.6348% | 1,989 |
| Efficiency ratio | 66.0770% | 2,089 |
| Assets per employee ($millions) | 5.5335% | 3,161 |
| Cash dividends to net income (ytd only)* | 42.4328% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9810% | 659 |
| Loan loss allowance to noncurrent loans | 264.0199% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 1,427 |
| Noncurrent loans to loans | 0.7503% | 1,496 |
| Net loans and leases to total assets | 69.6157% | 1,116 |
| Net loans and leases to deposits | 79.0095% | 1,383 |
| Net loans and leases to core deposits | 81.7313% | 1,594 |
| Total domestic deposits to total assets | 88.1106% | 1,770 |
| Equity capital to assets | 10.3211% | 2,599 |
| Core capital (leverage) ratio | 10.3275% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2298% | 1,561 |
| Memoranda: | ||
| Average total assets | $219,612,500 | 2,937 |
| Average earning assets | $199,667,750 | 2,991 |
| Average equity | $23,016,750 | 3,017 |
| Average total loans | $154,116,250 | 2,635 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1266% | 1,299 |
| Cost of funding earning assets | 0.3241% | 2,553 |
| Net interest margin | 3.8025% | 1,135 |
| Noninterest income to average assets | 0.2569% | 3,856 |
| Noninterest expense to average assets | 2.4458% | 2,322 |
| Loan and lease loss provision to assets | 0.1105% | 1,144 |
| Net operating income to assets | 0.8315% | 3,419 |
| Return on assets (ROA) | 0.8315% | 3,489 |
| Pretax return on assets | 1.1575% | 3,036 |
| Return on Equity (ROE) | 7.8921% | 3,434 |
| Retained earnings to average equity (ytd only) | 5.2701% | 3,090 |
| Net charge-offs to loans | 0.1515% | 545 |
| Credit loss provision to net charge-offs | 104.3478% | 1,337 |
| Earnings coverage of net charge-offs (x) | 11.9739% | 1,735 |
| Efficiency ratio | 65.8567% | 2,183 |
| Assets per employee ($millions) | 5.1153% | 3,544 |
| Cash dividends to net income (ytd only)* | 33.2226% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0260% | 577 |
| Loan loss allowance to noncurrent loans | 257.8692% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 1,442 |
| Noncurrent loans to loans | 0.7857% | 1,546 |
| Net loans and leases to total assets | 70.2416% | 1,167 |
| Net loans and leases to deposits | 79.8922% | 1,432 |
| Net loans and leases to core deposits | 82.9746% | 1,640 |
| Total domestic deposits to total assets | 87.9204% | 1,874 |
| Equity capital to assets | 10.5420% | 2,360 |
| Core capital (leverage) ratio | 10.3005% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4254% | 1,493 |
| Memoranda: | ||
| Average total assets | $217,192,000 | 2,960 |
| Average earning assets | $197,449,333 | 3,005 |
| Average equity | $22,883,667 | 3,021 |
| Average total loans | $151,777,667 | 2,667 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 1,386 |
| Cost of funding earning assets | 0.3178% | 2,818 |
| Net interest margin | 3.7811% | 1,180 |
| Noninterest income to average assets | 0.2410% | 3,952 |
| Noninterest expense to average assets | 2.4670% | 2,275 |
| Loan and lease loss provision to assets | 0.1112% | 1,248 |
| Net operating income to assets | 0.7748% | 3,502 |
| Return on assets (ROA) | 0.7748% | 3,573 |
| Pretax return on assets | 1.1028% | 3,104 |
| Return on Equity (ROE) | 7.3554% | 3,510 |
| Retained earnings to average equity (ytd only) | 2.0764% | 3,993 |
| Net charge-offs to loans | 0.1666% | 486 |
| Credit loss provision to net charge-offs | 96.7742% | 1,153 |
| Earnings coverage of net charge-offs (x) | 10.5645% | 1,492 |
| Efficiency ratio | 67.0191% | 2,079 |
| Assets per employee ($millions) | 5.1067% | 3,524 |
| Cash dividends to net income (ytd only)* | 71.7703% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1293% | 471 |
| Loan loss allowance to noncurrent loans | 220.1657% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 1,436 |
| Noncurrent loans to loans | 0.9671% | 1,398 |
| Net loans and leases to total assets | 66.7319% | 1,693 |
| Net loans and leases to deposits | 75.6465% | 1,951 |
| Net loans and leases to core deposits | 78.4397% | 2,145 |
| Total domestic deposits to total assets | 88.2156% | 1,734 |
| Equity capital to assets | 10.3413% | 2,404 |
| Core capital (leverage) ratio | 10.4608% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9391% | 1,307 |
| Memoranda: | ||
| Average total assets | $215,809,000 | 2,961 |
| Average earning assets | $196,346,500 | 3,007 |
| Average equity | $22,731,500 | 3,018 |
| Average total loans | $148,818,000 | 2,704 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9376% | 558 |
| Cost of funding earning assets | 0.6185% | 2,190 |
| Net interest margin | 4.3191% | 486 |
| Noninterest income to average assets | 0.2973% | 3,704 |
| Noninterest expense to average assets | 2.6236% | 2,471 |
| Loan and lease loss provision to assets | 0.2494% | 1,546 |
| Net operating income to assets | 1.0536% | 2,090 |
| Return on assets (ROA) | 1.0536% | 2,230 |
| Pretax return on assets | 1.3330% | 1,873 |
| Return on Equity (ROE) | 9.6136% | 2,157 |
| Retained earnings to average equity (ytd only) | 5.3986% | 2,096 |
| Net charge-offs to loans | 0.0420% | 2,219 |
| Credit loss provision to net charge-offs | 781.2500% | 923 |
| Earnings coverage of net charge-offs (x) | 49.5625% | 1,208 |
| Efficiency ratio | 62.3769% | 3,058 |
| Assets per employee ($millions) | 5.3008% | 3,047 |
| Cash dividends to net income (ytd only)* | 43.8447% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1567% | 447 |
| Loan loss allowance to noncurrent loans | 224.0169% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 1,555 |
| Noncurrent loans to loans | 0.9627% | 1,469 |
| Net loans and leases to total assets | 68.2557% | 1,791 |
| Net loans and leases to deposits | 77.6117% | 2,110 |
| Net loans and leases to core deposits | 80.6352% | 2,307 |
| Total domestic deposits to total assets | 87.9452% | 1,499 |
| Equity capital to assets | 10.7319% | 2,490 |
| Core capital (leverage) ratio | 10.7042% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9374% | 1,278 |
| Memoranda: | ||
| Average total assets | $200,447,000 | 2,941 |
| Average earning assets | $181,403,400 | 2,988 |
| Average equity | $21,968,800 | 3,010 |
| Average total loans | $152,212,400 | 2,645 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0600% | 548 |
| Cost of funding earning assets | 0.6905% | 2,083 |
| Net interest margin | 4.3695% | 498 |
| Noninterest income to average assets | 0.2997% | 3,690 |
| Noninterest expense to average assets | 2.6868% | 2,299 |
| Loan and lease loss provision to assets | 0.2364% | 1,722 |
| Net operating income to assets | 0.9955% | 2,357 |
| Return on assets (ROA) | 0.9955% | 2,486 |
| Pretax return on assets | 1.3269% | 1,948 |
| Return on Equity (ROE) | 9.0327% | 2,384 |
| Retained earnings to average equity (ytd only) | 3.3620% | 3,367 |
| Net charge-offs to loans | 0.0400% | 2,056 |
| Credit loss provision to net charge-offs | 760.8696% | 1,014 |
| Earnings coverage of net charge-offs (x) | 50.3478% | 1,190 |
| Efficiency ratio | 63.2206% | 2,877 |
| Assets per employee ($millions) | 4.9459% | 3,320 |
| Cash dividends to net income (ytd only)* | 62.7797% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9788% | 513 |
| Loan loss allowance to noncurrent loans | 214.7472% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 1,661 |
| Noncurrent loans to loans | 0.9214% | 1,619 |
| Net loans and leases to total assets | 74.7031% | 1,284 |
| Net loans and leases to deposits | 85.2585% | 1,784 |
| Net loans and leases to core deposits | 88.7859% | 2,079 |
| Total domestic deposits to total assets | 87.6196% | 1,386 |
| Equity capital to assets | 10.8931% | 2,484 |
| Core capital (leverage) ratio | 10.5238% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3984% | 1,399 |
| Memoranda: | ||
| Average total assets | $197,550,750 | 2,944 |
| Average earning assets | $178,597,250 | 2,994 |
| Average equity | $21,772,250 | 3,018 |
| Average total loans | $153,287,000 | 2,639 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1180% | 668 |
| Cost of funding earning assets | 0.7541% | 2,094 |
| Net interest margin | 4.3639% | 658 |
| Noninterest income to average assets | 0.2707% | 3,859 |
| Noninterest expense to average assets | 2.7476% | 2,228 |
| Loan and lease loss provision to assets | 0.2043% | 2,010 |
| Net operating income to assets | 0.8651% | 2,823 |
| Return on assets (ROA) | 0.8651% | 2,942 |
| Pretax return on assets | 1.2614% | 2,148 |
| Return on Equity (ROE) | 7.8185% | 2,822 |
| Retained earnings to average equity (ytd only) | 2.2800% | 3,647 |
| Net charge-offs to loans | 0.0235% | 2,242 |
| Credit loss provision to net charge-offs | 1,111.1111% | 735 |
| Earnings coverage of net charge-offs (x) | 79.7222% | 807 |
| Efficiency ratio | 65.2121% | 2,632 |
| Assets per employee ($millions) | 4.8507% | 3,359 |
| Cash dividends to net income (ytd only)* | 70.8383% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8997% | 532 |
| Loan loss allowance to noncurrent loans | 212.4457% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 1,807 |
| Noncurrent loans to loans | 0.8942% | 1,708 |
| Net loans and leases to total assets | 74.4209% | 1,355 |
| Net loans and leases to deposits | 84.7335% | 1,921 |
| Net loans and leases to core deposits | 88.4183% | 2,208 |
| Total domestic deposits to total assets | 87.8294% | 1,270 |
| Equity capital to assets | 10.7177% | 2,554 |
| Core capital (leverage) ratio | 10.7053% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5577% | 1,612 |
| Memoranda: | ||
| Average total assets | $195,807,667 | 2,939 |
| Average earning assets | $176,906,000 | 2,986 |
| Average equity | $21,666,667 | 3,015 |
| Average total loans | $152,869,000 | 2,635 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3222% | 529 |
| Cost of funding earning assets | 0.8339% | 2,202 |
| Net interest margin | 4.4883% | 514 |
| Noninterest income to average assets | 0.2043% | 4,325 |
| Noninterest expense to average assets | 2.7334% | 2,622 |
| Loan and lease loss provision to assets | 0.1876% | 1,591 |
| Net operating income to assets | 0.8507% | 2,710 |
| Return on assets (ROA) | 0.8507% | 2,806 |
| Pretax return on assets | 1.3344% | 1,769 |
| Return on Equity (ROE) | 7.5617% | 2,707 |
| Retained earnings to average equity (ytd only) | 1.0749% | 3,724 |
| Net charge-offs to loans | 0.0079% | 2,284 |
| Credit loss provision to net charge-offs | 3,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 243.3333% | 283 |
| Efficiency ratio | 64.2332% | 3,199 |
| Assets per employee ($millions) | 4.6867% | 3,006 |
| Cash dividends to net income (ytd only)* | 85.7843% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 645 |
| Loan loss allowance to noncurrent loans | 206.3181% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.7166% | 1,871 |
| Noncurrent loans to loans | 0.9043% | 1,804 |
| Net loans and leases to total assets | 77.7644% | 1,010 |
| Net loans and leases to deposits | 89.1044% | 1,624 |
| Net loans and leases to core deposits | 93.5410% | 2,014 |
| Total domestic deposits to total assets | 87.2734% | 1,437 |
| Equity capital to assets | 11.2513% | 2,637 |
| Core capital (leverage) ratio | 11.1178% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8532% | 1,956 |
| Memoranda: | ||
| Average total assets | $191,847,000 | 2,936 |
| Average earning assets | $173,161,000 | 2,980 |
| Average equity | $21,582,500 | 3,019 |
| Average total loans | $152,027,000 | 2,619 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3821% | 692 |
| Cost of funding earning assets | 0.7963% | 2,706 |
| Net interest margin | 4.5858% | 593 |
| Noninterest income to average assets | 0.2348% | 4,274 |
| Noninterest expense to average assets | 2.8254% | 2,515 |
| Loan and lease loss provision to assets | 0.1943% | 1,053 |
| Net operating income to assets | 1.0924% | 2,471 |
| Return on assets (ROA) | 1.0924% | 2,576 |
| Pretax return on assets | 1.3644% | 2,284 |
| Return on Equity (ROE) | 9.7465% | 2,418 |
| Retained earnings to average equity (ytd only) | 6.5683% | 1,579 |
| Net charge-offs to loans | 0.0837% | 1,919 |
| Credit loss provision to net charge-offs | 285.7143% | 982 |
| Earnings coverage of net charge-offs (x) | 22.9206% | 1,831 |
| Efficiency ratio | 64.4466% | 3,010 |
| Assets per employee ($millions) | 4.5604% | 3,138 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 641 |
| Loan loss allowance to noncurrent loans | 208.1633% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 1,876 |
| Noncurrent loans to loans | 0.8716% | 1,762 |
| Net loans and leases to total assets | 77.8070% | 1,111 |
| Net loans and leases to deposits | 89.0641% | 1,688 |
| Net loans and leases to core deposits | 93.6759% | 2,096 |
| Total domestic deposits to total assets | 87.3607% | 1,426 |
| Equity capital to assets | 11.2484% | 2,765 |
| Core capital (leverage) ratio | 10.9202% | 2,573 |
| Tier 1 risk-based capital ratio | 14.6590% | 2,927 |
| Total risk-based capital ratio | 15.9180% | 2,835 |
| Memoranda: | ||
| Average total assets | $185,284,600 | 2,960 |
| Average earning assets | $167,647,800 | 3,016 |
| Average equity | $20,766,400 | 3,055 |
| Average total loans | $150,491,600 | 2,616 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3741% | 739 |
| Cost of funding earning assets | 0.7991% | 2,724 |
| Net interest margin | 4.5750% | 646 |
| Noninterest income to average assets | 0.2279% | 4,373 |
| Noninterest expense to average assets | 2.7439% | 2,731 |
| Loan and lease loss provision to assets | 0.1959% | 903 |
| Net operating income to assets | 1.1002% | 2,566 |
| Return on assets (ROA) | 1.1002% | 2,662 |
| Pretax return on assets | 1.4260% | 2,203 |
| Return on Equity (ROE) | 9.8255% | 2,502 |
| Retained earnings to average equity (ytd only) | 5.8072% | 2,456 |
| Net charge-offs to loans | 0.0932% | 1,540 |
| Credit loss provision to net charge-offs | 257.1429% | 1,063 |
| Earnings coverage of net charge-offs (x) | 21.2852% | 1,919 |
| Efficiency ratio | 62.8491% | 3,189 |
| Assets per employee ($millions) | 4.5821% | 3,079 |
| Cash dividends to net income (ytd only)* | 40.8974% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 711 |
| Loan loss allowance to noncurrent loans | 201.4254% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6927% | 1,963 |
| Noncurrent loans to loans | 0.8837% | 1,817 |
| Net loans and leases to total assets | 76.9896% | 1,320 |
| Net loans and leases to deposits | 87.8489% | 1,949 |
| Net loans and leases to core deposits | 94.9623% | 2,089 |
| Total domestic deposits to total assets | 87.6387% | 1,197 |
| Equity capital to assets | 10.9583% | 3,135 |
| Core capital (leverage) ratio | 10.8631% | 2,780 |
| Tier 1 risk-based capital ratio | 14.6325% | 3,012 |
| Total risk-based capital ratio | 15.8908% | 2,938 |
| Memoranda: | ||
| Average total assets | $183,721,250 | 3,004 |
| Average earning assets | $166,175,500 | 3,055 |
| Average equity | $20,571,750 | 3,102 |
| Average total loans | $150,168,500 | 2,644 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3446% | 741 |
| Cost of funding earning assets | 0.7684% | 2,814 |
| Net interest margin | 4.5762% | 650 |
| Noninterest income to average assets | 0.2179% | 4,441 |
| Noninterest expense to average assets | 2.8372% | 2,450 |
| Loan and lease loss provision to assets | 0.1991% | 862 |
| Net operating income to assets | 0.9878% | 2,963 |
| Return on assets (ROA) | 0.9878% | 3,035 |
| Pretax return on assets | 1.3185% | 2,486 |
| Return on Equity (ROE) | 8.7552% | 2,952 |
| Retained earnings to average equity (ytd only) | 6.0590% | 2,254 |
| Net charge-offs to loans | 0.1227% | 1,215 |
| Credit loss provision to net charge-offs | 195.6522% | 1,239 |
| Earnings coverage of net charge-offs (x) | 14.9130% | 2,010 |
| Efficiency ratio | 65.1511% | 2,954 |
| Assets per employee ($millions) | 4.4408% | 3,232 |
| Cash dividends to net income (ytd only)* | 30.7951% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7030% | 811 |
| Loan loss allowance to noncurrent loans | 195.2096% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 1,918 |
| Noncurrent loans to loans | 0.8724% | 1,856 |
| Net loans and leases to total assets | 80.7072% | 771 |
| Net loans and leases to deposits | 92.1829% | 1,472 |
| Net loans and leases to core deposits | 99.7218% | 1,751 |
| Total domestic deposits to total assets | 87.5511% | 1,315 |
| Equity capital to assets | 11.1498% | 2,905 |
| Core capital (leverage) ratio | 11.1589% | 2,448 |
| Tier 1 risk-based capital ratio | 14.2043% | 3,208 |
| Total risk-based capital ratio | 15.4612% | 3,117 |
| Memoranda: | ||
| Average total assets | $180,812,330 | 3,046 |
| Average earning assets | $163,455,330 | 3,095 |
| Average equity | $20,399,330 | 3,112 |
| Average total loans | $149,941,330 | 2,659 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2773% | 787 |
| Cost of funding earning assets | 0.7013% | 3,050 |
| Net interest margin | 4.5760% | 641 |
| Noninterest income to average assets | 0.2113% | 4,480 |
| Noninterest expense to average assets | 2.8074% | 2,545 |
| Loan and lease loss provision to assets | 0.2023% | 788 |
| Net operating income to assets | 1.0070% | 2,815 |
| Return on assets (ROA) | 1.0070% | 2,857 |
| Pretax return on assets | 1.3374% | 2,298 |
| Return on Equity (ROE) | 8.8708% | 2,865 |
| Retained earnings to average equity (ytd only) | 3.4256% | 3,545 |
| Net charge-offs to loans | 0.1159% | 1,043 |
| Credit loss provision to net charge-offs | 209.3023% | 1,024 |
| Earnings coverage of net charge-offs (x) | 15.9302% | 1,724 |
| Efficiency ratio | 64.5812% | 3,148 |
| Assets per employee ($millions) | 4.4875% | 3,210 |
| Cash dividends to net income (ytd only)* | 61.3839% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 852 |
| Loan loss allowance to noncurrent loans | 160.4375% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8914% | 1,582 |
| Noncurrent loans to loans | 1.0621% | 1,571 |
| Net loans and leases to total assets | 82.4915% | 529 |
| Net loans and leases to deposits | 94.4705% | 1,115 |
| Net loans and leases to core deposits | 102.3636% | 1,432 |
| Total domestic deposits to total assets | 87.3198% | 1,655 |
| Equity capital to assets | 11.3119% | 2,549 |
| Core capital (leverage) ratio | 11.2801% | 2,313 |
| Tier 1 risk-based capital ratio | 14.1804% | 3,256 |
| Total risk-based capital ratio | 15.4377% | 3,170 |
| Memoranda: | ||
| Average total assets | $177,961,000 | 3,108 |
| Average earning assets | $160,840,500 | 3,158 |
| Average equity | $20,201,000 | 3,142 |
| Average total loans | $148,342,500 | 2,711 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0729% | 900 |
| Cost of funding earning assets | 0.5454% | 3,078 |
| Net interest margin | 4.5275% | 726 |
| Noninterest income to average assets | 0.2579% | 4,385 |
| Noninterest expense to average assets | 2.7206% | 2,960 |
| Loan and lease loss provision to assets | 0.1883% | 1,020 |
| Net operating income to assets | 1.1150% | 2,535 |
| Return on assets (ROA) | 1.1150% | 2,536 |
| Pretax return on assets | 1.4037% | 2,125 |
| Return on Equity (ROE) | 9.9520% | 2,537 |
| Retained earnings to average equity (ytd only) | 5.5719% | 2,438 |
| Net charge-offs to loans | 0.1411% | 1,346 |
| Credit loss provision to net charge-offs | 161.7647% | 1,717 |
| Earnings coverage of net charge-offs (x) | 13.6765% | 2,434 |
| Efficiency ratio | 63.0855% | 3,328 |
| Assets per employee ($millions) | 4.7681% | 2,787 |
| Cash dividends to net income (ytd only)* | 44.0123% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 791 |
| Loan loss allowance to noncurrent loans | 166.9980% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.8553% | 1,633 |
| Noncurrent loans to loans | 1.0332% | 1,588 |
| Net loans and leases to total assets | 81.3537% | 759 |
| Net loans and leases to deposits | 93.2804% | 1,361 |
| Net loans and leases to core deposits | 101.0156% | 1,642 |
| Total domestic deposits to total assets | 87.2141% | 1,678 |
| Equity capital to assets | 11.3915% | 2,337 |
| Core capital (leverage) ratio | 11.1791% | 2,373 |
| Tier 1 risk-based capital ratio | 14.4359% | 3,094 |
| Total risk-based capital ratio | 15.6934% | 3,000 |
| Memoranda: | ||
| Average total assets | $175,254,400 | 3,111 |
| Average earning assets | $156,951,800 | 3,170 |
| Average equity | $19,634,200 | 3,118 |
| Average total loans | $144,618,000 | 2,715 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0152% | 920 |
| Cost of funding earning assets | 0.5250% | 3,028 |
| Net interest margin | 4.4902% | 757 |
| Noninterest income to average assets | 0.2560% | 4,441 |
| Noninterest expense to average assets | 2.4995% | 3,603 |
| Loan and lease loss provision to assets | 0.2058% | 824 |
| Net operating income to assets | 1.1690% | 2,372 |
| Return on assets (ROA) | 1.1690% | 2,377 |
| Pretax return on assets | 1.5652% | 1,687 |
| Return on Equity (ROE) | 10.4787% | 2,395 |
| Retained earnings to average equity (ytd only) | 6.6533% | 2,309 |
| Net charge-offs to loans | 0.1765% | 942 |
| Credit loss provision to net charge-offs | 141.3613% | 1,790 |
| Earnings coverage of net charge-offs (x) | 12.1676% | 2,469 |
| Efficiency ratio | 58.5296% | 4,036 |
| Assets per employee ($millions) | 4.8620% | 2,649 |
| Cash dividends to net income (ytd only)* | 36.5060% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 846 |
| Loan loss allowance to noncurrent loans | 197.9984% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 2,066 |
| Noncurrent loans to loans | 0.8645% | 1,975 |
| Net loans and leases to total assets | 81.1276% | 854 |
| Net loans and leases to deposits | 93.0038% | 1,505 |
| Net loans and leases to core deposits | 101.2832% | 1,672 |
| Total domestic deposits to total assets | 87.2304% | 1,630 |
| Equity capital to assets | 11.4138% | 2,322 |
| Core capital (leverage) ratio | 11.3283% | 2,310 |
| Tier 1 risk-based capital ratio | 14.5144% | 3,121 |
| Total risk-based capital ratio | 15.7716% | 3,025 |
| Memoranda: | ||
| Average total assets | $174,962,750 | 3,137 |
| Average earning assets | $156,426,750 | 3,201 |
| Average equity | $19,518,500 | 3,152 |
| Average total loans | $144,261,250 | 2,737 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9501% | 919 |
| Cost of funding earning assets | 0.4910% | 3,076 |
| Net interest margin | 4.4591% | 750 |
| Noninterest income to average assets | 0.2584% | 4,459 |
| Noninterest expense to average assets | 2.5312% | 3,547 |
| Loan and lease loss provision to assets | 0.2058% | 822 |
| Net operating income to assets | 1.1010% | 2,578 |
| Return on assets (ROA) | 1.1010% | 2,585 |
| Pretax return on assets | 1.4977% | 1,825 |
| Return on Equity (ROE) | 9.9456% | 2,589 |
| Retained earnings to average equity (ytd only) | 7.3120% | 1,914 |
| Net charge-offs to loans | 0.2816% | 570 |
| Credit loss provision to net charge-offs | 88.6700% | 2,173 |
| Earnings coverage of net charge-offs (x) | 7.3399% | 2,554 |
| Efficiency ratio | 59.7732% | 3,970 |
| Assets per employee ($millions) | 4.8154% | 2,663 |
| Cash dividends to net income (ytd only)* | 26.4798% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 1,038 |
| Loan loss allowance to noncurrent loans | 199.2437% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 2,185 |
| Noncurrent loans to loans | 0.8168% | 2,093 |
| Net loans and leases to total assets | 82.6697% | 629 |
| Net loans and leases to deposits | 94.5735% | 1,293 |
| Net loans and leases to core deposits | 102.6958% | 1,513 |
| Total domestic deposits to total assets | 87.4131% | 1,679 |
| Equity capital to assets | 11.3830% | 2,283 |
| Core capital (leverage) ratio | 11.2182% | 2,329 |
| Tier 1 risk-based capital ratio | 14.2605% | 3,227 |
| Total risk-based capital ratio | 15.5165% | 3,147 |
| Memoranda: | ||
| Average total assets | $174,939,330 | 3,151 |
| Average earning assets | $155,995,330 | 3,221 |
| Average equity | $19,365,330 | 3,189 |
| Average total loans | $144,190,670 | 2,744 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 978 |
| Cost of funding earning assets | 0.4362% | 3,325 |
| Net interest margin | 4.4135% | 745 |
| Noninterest income to average assets | 0.2777% | 4,311 |
| Noninterest expense to average assets | 2.4856% | 3,695 |
| Loan and lease loss provision to assets | 0.2049% | 804 |
| Net operating income to assets | 1.1062% | 2,394 |
| Return on assets (ROA) | 1.1062% | 2,411 |
| Pretax return on assets | 1.5023% | 1,677 |
| Return on Equity (ROE) | 10.1348% | 2,366 |
| Retained earnings to average equity (ytd only) | 4.8171% | 3,254 |
| Net charge-offs to loans | 0.1701% | 850 |
| Credit loss provision to net charge-offs | 147.5410% | 1,242 |
| Earnings coverage of net charge-offs (x) | 12.2951% | 1,809 |
| Efficiency ratio | 59.2834% | 4,166 |
| Assets per employee ($millions) | 4.8715% | 2,644 |
| Cash dividends to net income (ytd only)* | 52.4691% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6743% | 1,006 |
| Loan loss allowance to noncurrent loans | 166.6437% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.8547% | 1,849 |
| Noncurrent loans to loans | 1.0047% | 1,816 |
| Net loans and leases to total assets | 81.1376% | 773 |
| Net loans and leases to deposits | 92.5069% | 1,386 |
| Net loans and leases to core deposits | 103.2867% | 1,433 |
| Total domestic deposits to total assets | 87.7098% | 1,785 |
| Equity capital to assets | 10.9913% | 2,591 |
| Core capital (leverage) ratio | 11.0749% | 2,356 |
| Tier 1 risk-based capital ratio | 13.9837% | 3,388 |
| Total risk-based capital ratio | 15.2406% | 3,300 |
| Memoranda: | ||
| Average total assets | $175,731,500 | 3,179 |
| Average earning assets | $155,887,000 | 3,255 |
| Average equity | $19,181,500 | 3,233 |
| Average total loans | $143,444,500 | 2,770 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 800 |
| Cost of funding earning assets | 0.4142% | 3,106 |
| Net interest margin | 4.4842% | 635 |
| Noninterest income to average assets | 0.2438% | 4,675 |
| Noninterest expense to average assets | 2.4977% | 3,791 |
| Loan and lease loss provision to assets | 0.2080% | 963 |
| Net operating income to assets | 0.8643% | 2,894 |
| Return on assets (ROA) | 0.8643% | 2,915 |
| Pretax return on assets | 1.5536% | 1,441 |
| Return on Equity (ROE) | 7.9861% | 2,802 |
| Retained earnings to average equity (ytd only) | 4.9166% | 2,178 |
| Net charge-offs to loans | 0.0559% | 2,690 |
| Credit loss provision to net charge-offs | 461.5385% | 679 |
| Earnings coverage of net charge-offs (x) | 39.0897% | 1,282 |
| Efficiency ratio | 58.6408% | 4,455 |
| Assets per employee ($millions) | 5.0311% | 2,439 |
| Cash dividends to net income (ytd only)* | 38.4358% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6839% | 970 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 4,642 |
| Noncurrent loans to loans | 0.1203% | 4,442 |
| Net loans and leases to total assets | 79.3791% | 1,058 |
| Net loans and leases to deposits | 92.5259% | 1,444 |
| Net loans and leases to core deposits | 101.8182% | 1,564 |
| Total domestic deposits to total assets | 85.7912% | 2,537 |
| Equity capital to assets | 10.8395% | 2,790 |
| Core capital (leverage) ratio | 10.9101% | 2,417 |
| Tier 1 risk-based capital ratio | 14.1699% | 3,273 |
| Total risk-based capital ratio | 15.4270% | 3,167 |
| Memoranda: | ||
| Average total assets | $173,078,400 | 3,211 |
| Average earning assets | $154,990,000 | 3,260 |
| Average equity | $18,732,600 | 3,270 |
| Average total loans | $139,514,400 | 2,789 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8642% | 818 |
| Cost of funding earning assets | 0.4134% | 3,056 |
| Net interest margin | 4.4509% | 663 |
| Noninterest income to average assets | 0.2491% | 4,717 |
| Noninterest expense to average assets | 2.4093% | 3,995 |
| Loan and lease loss provision to assets | 0.2089% | 905 |
| Net operating income to assets | 1.1536% | 1,866 |
| Return on assets (ROA) | 1.1536% | 1,910 |
| Pretax return on assets | 1.6464% | 1,253 |
| Return on Equity (ROE) | 10.6627% | 1,838 |
| Retained earnings to average equity (ytd only) | 6.5506% | 1,938 |
| Net charge-offs to loans | 0.0605% | 2,251 |
| Credit loss provision to net charge-offs | 428.5714% | 730 |
| Earnings coverage of net charge-offs (x) | 38.0625% | 1,347 |
| Efficiency ratio | 56.4949% | 4,679 |
| Assets per employee ($millions) | 4.8679% | 2,610 |
| Cash dividends to net income (ytd only)* | 38.5649% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 1,074 |
| Loan loss allowance to noncurrent loans | 1,281.2155% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 4,453 |
| Noncurrent loans to loans | 0.1308% | 4,536 |
| Net loans and leases to total assets | 79.8517% | 1,004 |
| Net loans and leases to deposits | 91.1136% | 1,674 |
| Net loans and leases to core deposits | 101.0532% | 1,619 |
| Total domestic deposits to total assets | 87.6398% | 1,553 |
| Equity capital to assets | 11.2192% | 2,648 |
| Core capital (leverage) ratio | 10.8576% | 2,589 |
| Tier 1 risk-based capital ratio | 14.4811% | 3,193 |
| Total risk-based capital ratio | 15.7376% | 3,104 |
| Memoranda: | ||
| Average total assets | $172,326,000 | 3,238 |
| Average earning assets | $155,471,500 | 3,284 |
| Average equity | $18,644,000 | 3,311 |
| Average total loans | $138,850,250 | 2,816 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 834 |
| Cost of funding earning assets | 0.4116% | 2,963 |
| Net interest margin | 4.4070% | 693 |
| Noninterest income to average assets | 0.2509% | 4,738 |
| Noninterest expense to average assets | 2.4743% | 3,834 |
| Loan and lease loss provision to assets | 0.2081% | 860 |
| Net operating income to assets | 1.0510% | 2,200 |
| Return on assets (ROA) | 1.0510% | 2,244 |
| Pretax return on assets | 1.5424% | 1,518 |
| Return on Equity (ROE) | 9.8339% | 2,114 |
| Retained earnings to average equity (ytd only) | 6.5884% | 1,798 |
| Net charge-offs to loans | 0.0806% | 1,814 |
| Credit loss provision to net charge-offs | 321.4286% | 916 |
| Earnings coverage of net charge-offs (x) | 27.0357% | 1,555 |
| Efficiency ratio | 58.5660% | 4,523 |
| Assets per employee ($millions) | 4.9769% | 2,414 |
| Cash dividends to net income (ytd only)* | 33.0033% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 1,204 |
| Loan loss allowance to noncurrent loans | 4,860.8696% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 4,861 |
| Noncurrent loans to loans | 0.0334% | 5,024 |
| Net loans and leases to total assets | 77.7245% | 1,283 |
| Net loans and leases to deposits | 88.1628% | 1,963 |
| Net loans and leases to core deposits | 99.1868% | 1,706 |
| Total domestic deposits to total assets | 88.1601% | 1,377 |
| Equity capital to assets | 10.8077% | 3,025 |
| Core capital (leverage) ratio | 10.4750% | 2,945 |
| Tier 1 risk-based capital ratio | 14.1627% | 3,332 |
| Total risk-based capital ratio | 15.4182% | 3,249 |
| Memoranda: | ||
| Average total assets | $172,975,670 | 3,247 |
| Average earning assets | $155,980,670 | 3,293 |
| Average equity | $18,487,000 | 3,336 |
| Average total loans | $139,011,000 | 2,817 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 738 |
| Cost of funding earning assets | 0.3990% | 3,006 |
| Net interest margin | 4.4040% | 632 |
| Noninterest income to average assets | 0.2390% | 4,826 |
| Noninterest expense to average assets | 2.4181% | 4,066 |
| Loan and lease loss provision to assets | 0.2089% | 782 |
| Net operating income to assets | 1.0907% | 1,907 |
| Return on assets (ROA) | 1.0907% | 1,951 |
| Pretax return on assets | 1.5827% | 1,278 |
| Return on Equity (ROE) | 10.2634% | 1,841 |
| Retained earnings to average equity (ytd only) | 3.7123% | 3,586 |
| Net charge-offs to loans | 0.0429% | 1,977 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 51.4667% | 882 |
| Efficiency ratio | 57.4421% | 4,786 |
| Assets per employee ($millions) | 4.9173% | 2,552 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 1,446 |
| Loan loss allowance to noncurrent loans | 679.1925% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 4,500 |
| Noncurrent loans to loans | 0.2316% | 4,284 |
| Net loans and leases to total assets | 79.4969% | 901 |
| Net loans and leases to deposits | 90.2238% | 1,503 |
| Net loans and leases to core deposits | 100.3697% | 1,480 |
| Total domestic deposits to total assets | 88.1108% | 1,649 |
| Equity capital to assets | 10.6940% | 2,966 |
| Core capital (leverage) ratio | 10.4835% | 2,923 |
| Tier 1 risk-based capital ratio | 13.8218% | 3,588 |
| Total risk-based capital ratio | 15.0772% | 3,496 |
| Memoranda: | ||
| Average total assets | $172,368,000 | 3,288 |
| Average earning assets | $155,403,500 | 3,331 |
| Average equity | $18,317,500 | 3,370 |
| Average total loans | $139,704,000 | 2,826 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9078% | 729 |
| Cost of funding earning assets | 0.3990% | 3,008 |
| Net interest margin | 4.5088% | 611 |
| Noninterest income to average assets | 0.2503% | 4,924 |
| Noninterest expense to average assets | 2.6355% | 3,568 |
| Loan and lease loss provision to assets | 0.2249% | 969 |
| Net operating income to assets | 1.0121% | 2,301 |
| Return on assets (ROA) | 1.0121% | 2,401 |
| Pretax return on assets | 1.4694% | 1,684 |
| Return on Equity (ROE) | 9.9631% | 1,972 |
| Retained earnings to average equity (ytd only) | 7.1246% | 1,180 |
| Net charge-offs to loans | 0.0283% | 3,460 |
| Credit loss provision to net charge-offs | 975.0000% | 394 |
| Earnings coverage of net charge-offs (x) | 73.4500% | 764 |
| Efficiency ratio | 60.8684% | 4,443 |
| Assets per employee ($millions) | 4.7953% | 2,656 |
| Cash dividends to net income (ytd only)* | 28.4900% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 1,649 |
| Loan loss allowance to noncurrent loans | 687.9479% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 4,607 |
| Noncurrent loans to loans | 0.2187% | 4,367 |
| Net loans and leases to total assets | 80.1077% | 884 |
| Net loans and leases to deposits | 91.3390% | 1,531 |
| Net loans and leases to core deposits | 101.6226% | 1,476 |
| Total domestic deposits to total assets | 87.7038% | 1,790 |
| Equity capital to assets | 10.5602% | 3,090 |
| Core capital (leverage) ratio | 10.1030% | 3,361 |
| Tier 1 risk-based capital ratio | 13.3615% | 3,850 |
| Total risk-based capital ratio | 14.6155% | 3,759 |
| Memoranda: | ||
| Average total assets | $173,402,000 | 3,240 |
| Average earning assets | $156,891,600 | 3,283 |
| Average equity | $17,615,000 | 3,471 |
| Average total loans | $141,581,000 | 2,757 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 731 |
| Cost of funding earning assets | 0.3947% | 3,071 |
| Net interest margin | 4.5022% | 627 |
| Noninterest income to average assets | 0.2450% | 5,007 |
| Noninterest expense to average assets | 2.5399% | 3,861 |
| Loan and lease loss provision to assets | 0.2074% | 1,021 |
| Net operating income to assets | 1.0983% | 2,003 |
| Return on assets (ROA) | 1.0983% | 2,106 |
| Pretax return on assets | 1.5799% | 1,435 |
| Return on Equity (ROE) | 10.9191% | 1,703 |
| Retained earnings to average equity (ytd only) | 7.1013% | 1,573 |
| Net charge-offs to loans | 0.0301% | 3,053 |
| Credit loss provision to net charge-offs | 843.7500% | 477 |
| Earnings coverage of net charge-offs (x) | 72.7113% | 840 |
| Efficiency ratio | 58.6972% | 4,722 |
| Assets per employee ($millions) | 4.8823% | 2,519 |
| Cash dividends to net income (ytd only)* | 34.9650% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 2,267 |
| Loan loss allowance to noncurrent loans | 881.0573% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 4,910 |
| Noncurrent loans to loans | 0.1572% | 4,725 |
| Net loans and leases to total assets | 81.0379% | 751 |
| Net loans and leases to deposits | 92.7485% | 1,402 |
| Net loans and leases to core deposits | 106.3345% | 1,161 |
| Total domestic deposits to total assets | 87.3738% | 1,725 |
| Equity capital to assets | 10.2247% | 3,885 |
| Core capital (leverage) ratio | 9.9837% | 3,593 |
| Tier 1 risk-based capital ratio | 12.7573% | 4,302 |
| Total risk-based capital ratio | 14.0098% | 4,216 |
| Memoranda: | ||
| Average total assets | $173,595,000 | 3,252 |
| Average earning assets | $157,401,000 | 3,288 |
| Average equity | $17,461,250 | 3,518 |
| Average total loans | $141,875,750 | 2,758 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8343% | 824 |
| Cost of funding earning assets | 0.3865% | 3,186 |
| Net interest margin | 4.4478% | 695 |
| Noninterest income to average assets | 0.2441% | 5,021 |
| Noninterest expense to average assets | 2.6054% | 3,706 |
| Loan and lease loss provision to assets | 0.2082% | 1,028 |
| Net operating income to assets | 0.9811% | 2,463 |
| Return on assets (ROA) | 0.9811% | 2,609 |
| Pretax return on assets | 1.4647% | 1,792 |
| Return on Equity (ROE) | 9.8084% | 2,134 |
| Retained earnings to average equity (ytd only) | 6.9168% | 1,647 |
| Net charge-offs to loans | 0.0028% | 3,605 |
| Credit loss provision to net charge-offs | 9,000.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 723.0000% | 79 |
| Efficiency ratio | 60.8978% | 4,527 |
| Assets per employee ($millions) | 4.8496% | 2,481 |
| Cash dividends to net income (ytd only)* | 29.4811% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 2,487 |
| Loan loss allowance to noncurrent loans | 825.5319% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 4,968 |
| Noncurrent loans to loans | 0.1648% | 4,780 |
| Net loans and leases to total assets | 80.5889% | 814 |
| Net loans and leases to deposits | 92.6614% | 1,438 |
| Net loans and leases to core deposits | 107.1700% | 1,085 |
| Total domestic deposits to total assets | 86.9715% | 1,931 |
| Equity capital to assets | 10.1125% | 4,078 |
| Core capital (leverage) ratio | 9.8938% | 3,692 |
| Tier 1 risk-based capital ratio | 12.5213% | 4,505 |
| Total risk-based capital ratio | 13.7730% | 4,420 |
| Memoranda: | ||
| Average total assets | $172,873,000 | 3,279 |
| Average earning assets | $156,796,000 | 3,315 |
| Average equity | $17,291,330 | 3,543 |
| Average total loans | $141,023,330 | 2,771 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 762 |
| Cost of funding earning assets | 0.3713% | 3,380 |
| Net interest margin | 4.4816% | 628 |
| Noninterest income to average assets | 0.2465% | 4,974 |
| Noninterest expense to average assets | 2.7021% | 3,407 |
| Loan and lease loss provision to assets | 0.2093% | 930 |
| Net operating income to assets | 0.9208% | 2,644 |
| Return on assets (ROA) | 0.9208% | 2,757 |
| Pretax return on assets | 1.4045% | 1,894 |
| Return on Equity (ROE) | 9.2580% | 2,304 |
| Retained earnings to average equity (ytd only) | 3.4133% | 3,800 |
| Net charge-offs to loans | 0.0057% | 2,917 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 347.0000% | 173 |
| Efficiency ratio | 62.6078% | 4,356 |
| Assets per employee ($millions) | 4.9452% | 2,403 |
| Cash dividends to net income (ytd only)* | 63.1313% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 2,826 |
| Loan loss allowance to noncurrent loans | 1,005.4348% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 5,153 |
| Noncurrent loans to loans | 0.1309% | 4,947 |
| Net loans and leases to total assets | 80.1348% | 794 |
| Net loans and leases to deposits | 92.7232% | 1,264 |
| Net loans and leases to core deposits | 105.7786% | 1,090 |
| Total domestic deposits to total assets | 86.4238% | 2,479 |
| Equity capital to assets | 9.9311% | 4,173 |
| Core capital (leverage) ratio | 9.7853% | 3,799 |
| Tier 1 risk-based capital ratio | 12.1187% | 4,842 |
| Total risk-based capital ratio | 13.3701% | 4,740 |
| Memoranda: | ||
| Average total assets | $172,016,500 | 3,302 |
| Average earning assets | $156,193,500 | 3,336 |
| Average equity | $17,109,500 | 3,567 |
| Average total loans | $140,216,500 | 2,780 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 787 |
| Cost of funding earning assets | 0.3861% | 3,307 |
| Net interest margin | 4.5044% | 646 |
| Noninterest income to average assets | 0.2114% | 5,327 |
| Noninterest expense to average assets | 2.4470% | 4,389 |
| Loan and lease loss provision to assets | 0.2701% | 682 |
| Net operating income to assets | 1.0870% | 1,979 |
| Return on assets (ROA) | 1.0870% | 2,048 |
| Pretax return on assets | 1.5779% | 1,317 |
| Return on Equity (ROE) | 11.2873% | 1,515 |
| Retained earnings to average equity (ytd only) | 8.2322% | 842 |
| Net charge-offs to loans | 0.1036% | 2,371 |
| Credit loss provision to net charge-offs | 319.4444% | 932 |
| Earnings coverage of net charge-offs (x) | 21.8542% | 1,796 |
| Efficiency ratio | 56.9729% | 5,257 |
| Assets per employee ($millions) | 4.8843% | 2,489 |
| Cash dividends to net income (ytd only)* | 27.0665% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 3,114 |
| Loan loss allowance to noncurrent loans | 947.3118% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 5,162 |
| Noncurrent loans to loans | 0.1330% | 4,957 |
| Net loans and leases to total assets | 80.7963% | 742 |
| Net loans and leases to deposits | 93.4431% | 1,256 |
| Net loans and leases to core deposits | 104.9950% | 1,166 |
| Total domestic deposits to total assets | 86.4657% | 2,394 |
| Equity capital to assets | 9.9619% | 4,004 |
| Core capital (leverage) ratio | 9.7839% | 3,794 |
| Tier 1 risk-based capital ratio | 12.0844% | 4,896 |
| Total risk-based capital ratio | 13.3351% | 4,803 |
| Memoranda: | ||
| Average total assets | $170,289,600 | 3,299 |
| Average earning assets | $154,383,000 | 3,335 |
| Average equity | $16,399,000 | 3,618 |
| Average total loans | $139,035,200 | 2,732 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9062% | 759 |
| Cost of funding earning assets | 0.3898% | 3,328 |
| Net interest margin | 4.5165% | 626 |
| Noninterest income to average assets | 0.1944% | 5,487 |
| Noninterest expense to average assets | 2.3081% | 4,758 |
| Loan and lease loss provision to assets | 0.2116% | 921 |
| Net operating income to assets | 1.1834% | 1,703 |
| Return on assets (ROA) | 1.1834% | 1,776 |
| Pretax return on assets | 1.7704% | 949 |
| Return on Equity (ROE) | 12.3961% | 1,268 |
| Retained earnings to average equity (ytd only) | 8.2914% | 1,128 |
| Net charge-offs to loans | 0.1085% | 2,042 |
| Credit loss provision to net charge-offs | 238.9381% | 1,174 |
| Earnings coverage of net charge-offs (x) | 22.3810% | 1,781 |
| Efficiency ratio | 53.7998% | 5,535 |
| Assets per employee ($millions) | 4.8861% | 2,441 |
| Cash dividends to net income (ytd only)* | 33.1126% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 3,870 |
| Loan loss allowance to noncurrent loans | 871.1957% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 5,315 |
| Noncurrent loans to loans | 0.1332% | 5,098 |
| Net loans and leases to total assets | 79.8571% | 841 |
| Net loans and leases to deposits | 90.9101% | 1,538 |
| Net loans and leases to core deposits | 103.5627% | 1,260 |
| Total domestic deposits to total assets | 87.8419% | 1,636 |
| Equity capital to assets | 9.7724% | 4,417 |
| Core capital (leverage) ratio | 9.5225% | 4,274 |
| Tier 1 risk-based capital ratio | 12.0843% | 5,030 |
| Total risk-based capital ratio | 13.2735% | 4,984 |
| Memoranda: | ||
| Average total assets | $170,124,250 | 3,327 |
| Average earning assets | $154,276,500 | 3,367 |
| Average equity | $16,241,250 | 3,667 |
| Average total loans | $138,823,000 | 2,757 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9040% | 725 |
| Cost of funding earning assets | 0.3895% | 3,375 |
| Net interest margin | 4.5145% | 623 |
| Noninterest income to average assets | 0.2026% | 5,468 |
| Noninterest expense to average assets | 2.3153% | 4,805 |
| Loan and lease loss provision to assets | 0.2120% | 910 |
| Net operating income to assets | 1.1977% | 1,608 |
| Return on assets (ROA) | 1.1977% | 1,687 |
| Pretax return on assets | 1.7700% | 940 |
| Return on Equity (ROE) | 12.6458% | 1,185 |
| Retained earnings to average equity (ytd only) | 9.5372% | 771 |
| Net charge-offs to loans | 0.1856% | 1,344 |
| Credit loss provision to net charge-offs | 139.5349% | 1,610 |
| Earnings coverage of net charge-offs (x) | 13.0465% | 2,166 |
| Efficiency ratio | 53.8778% | 5,602 |
| Assets per employee ($millions) | 4.8596% | 2,456 |
| Cash dividends to net income (ytd only)* | 24.5821% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 4,375 |
| Loan loss allowance to noncurrent loans | 813.5870% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 5,427 |
| Noncurrent loans to loans | 0.1340% | 5,211 |
| Net loans and leases to total assets | 79.8714% | 818 |
| Net loans and leases to deposits | 91.9963% | 1,376 |
| Net loans and leases to core deposits | 105.3003% | 1,109 |
| Total domestic deposits to total assets | 86.8202% | 2,258 |
| Equity capital to assets | 9.6933% | 4,405 |
| Core capital (leverage) ratio | 9.4415% | 4,353 |
| Tier 1 risk-based capital ratio | 11.9489% | 5,182 |
| Total risk-based capital ratio | 13.0637% | 5,175 |
| Memoranda: | ||
| Average total assets | $169,828,000 | 3,348 |
| Average earning assets | $154,037,000 | 3,388 |
| Average equity | $16,084,330 | 3,707 |
| Average total loans | $139,041,000 | 2,761 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 778 |
| Cost of funding earning assets | 0.3813% | 3,512 |
| Net interest margin | 4.4717% | 636 |
| Noninterest income to average assets | 0.2569% | 5,118 |
| Noninterest expense to average assets | 2.3807% | 4,650 |
| Loan and lease loss provision to assets | 0.2121% | 841 |
| Net operating income to assets | 1.1573% | 1,678 |
| Return on assets (ROA) | 1.1573% | 1,782 |
| Pretax return on assets | 1.7278% | 996 |
| Return on Equity (ROE) | 12.3654% | 1,251 |
| Retained earnings to average equity (ytd only) | 6.0694% | 2,450 |
| Net charge-offs to loans | 0.2573% | 933 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 9.1444% | 2,026 |
| Efficiency ratio | 55.1009% | 5,588 |
| Assets per employee ($millions) | 4.9795% | 2,381 |
| Cash dividends to net income (ytd only)* | 50.9165% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 4,812 |
| Loan loss allowance to noncurrent loans | 471.0098% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 5,227 |
| Noncurrent loans to loans | 0.2212% | 4,983 |
| Net loans and leases to total assets | 81.1339% | 554 |
| Net loans and leases to deposits | 94.0392% | 981 |
| Net loans and leases to core deposits | 107.5366% | 843 |
| Total domestic deposits to total assets | 86.2768% | 2,781 |
| Equity capital to assets | 9.4564% | 4,797 |
| Core capital (leverage) ratio | 9.2015% | 4,709 |
| Tier 1 risk-based capital ratio | 11.5186% | 5,550 |
| Total risk-based capital ratio | 12.5919% | 5,546 |
| Memoranda: | ||
| Average total assets | $169,699,000 | 3,373 |
| Average earning assets | $154,213,500 | 3,404 |
| Average equity | $15,883,000 | 3,767 |
| Average total loans | $139,888,000 | 2,757 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9180% | 897 |
| Cost of funding earning assets | 0.3977% | 3,711 |
| Net interest margin | 4.5203% | 716 |
| Noninterest income to average assets | 0.2464% | 5,367 |
| Noninterest expense to average assets | 2.3702% | 4,921 |
| Loan and lease loss provision to assets | 0.2779% | 767 |
| Net operating income to assets | 1.0999% | 1,976 |
| Return on assets (ROA) | 1.0999% | 2,031 |
| Pretax return on assets | 1.6762% | 1,039 |
| Return on Equity (ROE) | 12.1371% | 1,376 |
| Retained earnings to average equity (ytd only) | 8.6646% | 781 |
| Net charge-offs to loans | 0.4593% | 910 |
| Credit loss provision to net charge-offs | 74.3134% | 2,978 |
| Earnings coverage of net charge-offs (x) | 5.2262% | 3,479 |
| Efficiency ratio | 54.8121% | 5,779 |
| Assets per employee ($millions) | 5.0028% | 2,320 |
| Cash dividends to net income (ytd only)* | 28.6107% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 4,921 |
| Loan loss allowance to noncurrent loans | 363.3166% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 5,087 |
| Noncurrent loans to loans | 0.2823% | 4,840 |
| Net loans and leases to total assets | 82.0258% | 519 |
| Net loans and leases to deposits | 95.5067% | 944 |
| Net loans and leases to core deposits | 108.8672% | 835 |
| Total domestic deposits to total assets | 85.8849% | 2,902 |
| Equity capital to assets | 9.2631% | 4,989 |
| Core capital (leverage) ratio | 8.9593% | 5,051 |
| Tier 1 risk-based capital ratio | 11.1836% | 5,827 |
| Total risk-based capital ratio | 12.2570% | 5,842 |
| Memoranda: | ||
| Average total assets | $165,555,600 | 3,403 |
| Average earning assets | $149,348,200 | 3,456 |
| Average equity | $15,003,600 | 3,835 |
| Average total loans | $134,770,800 | 2,776 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8896% | 949 |
| Cost of funding earning assets | 0.3994% | 3,787 |
| Net interest margin | 4.4902% | 752 |
| Noninterest income to average assets | 0.2514% | 5,418 |
| Noninterest expense to average assets | 2.3897% | 4,865 |
| Loan and lease loss provision to assets | 0.2189% | 1,049 |
| Net operating income to assets | 1.1945% | 1,694 |
| Return on assets (ROA) | 1.1945% | 1,768 |
| Pretax return on assets | 1.6899% | 1,086 |
| Return on Equity (ROE) | 13.2560% | 1,153 |
| Retained earnings to average equity (ytd only) | 8.5764% | 1,133 |
| Net charge-offs to loans | 0.5294% | 721 |
| Credit loss provision to net charge-offs | 51.0397% | 3,083 |
| Earnings coverage of net charge-offs (x) | 4.4499% | 3,457 |
| Efficiency ratio | 55.5933% | 5,693 |
| Assets per employee ($millions) | 4.8868% | 2,393 |
| Cash dividends to net income (ytd only)* | 35.3023% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 5,272 |
| Loan loss allowance to noncurrent loans | 387.8963% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 5,386 |
| Noncurrent loans to loans | 0.2542% | 5,145 |
| Net loans and leases to total assets | 81.3435% | 574 |
| Net loans and leases to deposits | 92.4743% | 1,189 |
| Net loans and leases to core deposits | 104.3379% | 1,084 |
| Total domestic deposits to total assets | 87.9634% | 1,792 |
| Equity capital to assets | 9.2506% | 5,083 |
| Core capital (leverage) ratio | 8.8749% | 5,225 |
| Tier 1 risk-based capital ratio | 11.2608% | 5,887 |
| Total risk-based capital ratio | 12.2906% | 5,929 |
| Memoranda: | ||
| Average total assets | $164,421,000 | 3,450 |
| Average earning assets | $148,201,750 | 3,507 |
| Average equity | $14,815,500 | 3,890 |
| Average total loans | $133,221,750 | 2,815 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 1,009 |
| Cost of funding earning assets | 0.4028% | 3,842 |
| Net interest margin | 4.4366% | 799 |
| Noninterest income to average assets | 0.2258% | 5,592 |
| Noninterest expense to average assets | 2.3486% | 5,026 |
| Loan and lease loss provision to assets | 0.2197% | 1,056 |
| Net operating income to assets | 1.1535% | 1,745 |
| Return on assets (ROA) | 1.1535% | 1,823 |
| Pretax return on assets | 1.6503% | 1,136 |
| Return on Equity (ROE) | 12.9181% | 1,197 |
| Retained earnings to average equity (ytd only) | 8.8854% | 1,030 |
| Net charge-offs to loans | 0.0605% | 3,111 |
| Credit loss provision to net charge-offs | 450.0000% | 632 |
| Earnings coverage of net charge-offs (x) | 38.3000% | 1,091 |
| Efficiency ratio | 55.6713% | 5,778 |
| Assets per employee ($millions) | 4.8856% | 2,357 |
| Cash dividends to net income (ytd only)* | 31.2169% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 3,929 |
| Loan loss allowance to noncurrent loans | 173.9781% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 4,166 |
| Noncurrent loans to loans | 0.7394% | 3,852 |
| Net loans and leases to total assets | 80.6112% | 612 |
| Net loans and leases to deposits | 90.9377% | 1,277 |
| Net loans and leases to core deposits | 103.9087% | 1,023 |
| Total domestic deposits to total assets | 88.6443% | 1,569 |
| Equity capital to assets | 9.0843% | 5,216 |
| Core capital (leverage) ratio | 8.7589% | 5,328 |
| Tier 1 risk-based capital ratio | 11.1016% | 6,012 |
| Total risk-based capital ratio | 12.3530% | 5,945 |
| Memoranda: | ||
| Average total assets | $163,844,330 | 3,481 |
| Average earning assets | $147,455,670 | 3,527 |
| Average equity | $14,630,670 | 3,924 |
| Average total loans | $132,129,330 | 2,833 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 1,056 |
| Cost of funding earning assets | 0.4076% | 3,872 |
| Net interest margin | 4.3876% | 823 |
| Noninterest income to average assets | 0.2385% | 5,454 |
| Noninterest expense to average assets | 2.4682% | 4,722 |
| Loan and lease loss provision to assets | 0.2213% | 1,026 |
| Net operating income to assets | 1.0940% | 1,839 |
| Return on assets (ROA) | 1.0940% | 1,903 |
| Pretax return on assets | 1.4922% | 1,452 |
| Return on Equity (ROE) | 12.3603% | 1,323 |
| Retained earnings to average equity (ytd only) | 4.1664% | 3,631 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0241% | 5,537 |
| Assets per employee ($millions) | 4.9431% | 2,315 |
| Cash dividends to net income (ytd only)* | 66.2921% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 4,152 |
| Loan loss allowance to noncurrent loans | 261.1710% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 4,948 |
| Noncurrent loans to loans | 0.4957% | 4,673 |
| Net loans and leases to total assets | 79.2157% | 637 |
| Net loans and leases to deposits | 88.1193% | 1,348 |
| Net loans and leases to core deposits | 99.8231% | 1,114 |
| Total domestic deposits to total assets | 89.8960% | 1,130 |
| Equity capital to assets | 8.9000% | 5,226 |
| Core capital (leverage) ratio | 8.5621% | 5,568 |
| Tier 1 risk-based capital ratio | 11.0169% | 6,148 |
| Total risk-based capital ratio | 12.2678% | 6,099 |
| Memoranda: | ||
| Average total assets | $162,711,000 | 3,518 |
| Average earning assets | $146,229,000 | 3,585 |
| Average equity | $14,401,000 | 3,972 |
| Average total loans | $130,369,500 | 2,872 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 1,660 |
| Cost of funding earning assets | 0.4394% | 4,224 |
| Net interest margin | 4.2298% | 1,275 |
| Noninterest income to average assets | 0.2340% | 5,673 |
| Noninterest expense to average assets | 2.4811% | 4,831 |
| Loan and lease loss provision to assets | 0.2252% | 1,617 |
| Net operating income to assets | 0.9715% | 2,463 |
| Return on assets (ROA) | 0.9715% | 2,528 |
| Pretax return on assets | 1.3519% | 1,959 |
| Return on Equity (ROE) | 11.2644% | 1,682 |
| Retained earnings to average equity (ytd only) | 7.8481% | 1,106 |
| Net charge-offs to loans | 0.0644% | 4,309 |
| Credit loss provision to net charge-offs | 455.6962% | 505 |
| Earnings coverage of net charge-offs (x) | 31.9114% | 1,121 |
| Efficiency ratio | 61.1377% | 5,340 |
| Assets per employee ($millions) | 4.7735% | 2,481 |
| Cash dividends to net income (ytd only)* | 30.3284% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 4,467 |
| Loan loss allowance to noncurrent loans | 592.2509% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 5,812 |
| Noncurrent loans to loans | 0.2087% | 5,557 |
| Net loans and leases to total assets | 79.0023% | 715 |
| Net loans and leases to deposits | 88.5993% | 1,400 |
| Net loans and leases to core deposits | 99.1686% | 1,220 |
| Total domestic deposits to total assets | 89.1681% | 1,507 |
| Equity capital to assets | 8.8010% | 5,253 |
| Core capital (leverage) ratio | 8.6054% | 5,536 |
| Tier 1 risk-based capital ratio | 11.0226% | 6,163 |
| Total risk-based capital ratio | 12.2725% | 6,105 |
| Memoranda: | ||
| Average total assets | $159,848,000 | 3,559 |
| Average earning assets | $144,523,000 | 3,592 |
| Average equity | $13,786,800 | 4,103 |
| Average total loans | $122,631,400 | 2,991 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 1,918 |
| Cost of funding earning assets | 0.4472% | 4,306 |
| Net interest margin | 4.1492% | 1,486 |
| Noninterest income to average assets | 0.2403% | 5,717 |
| Noninterest expense to average assets | 2.3746% | 5,098 |
| Loan and lease loss provision to assets | 0.2261% | 1,603 |
| Net operating income to assets | 0.9587% | 2,542 |
| Return on assets (ROA) | 0.9587% | 2,649 |
| Pretax return on assets | 1.4000% | 1,926 |
| Return on Equity (ROE) | 11.1739% | 1,763 |
| Retained earnings to average equity (ytd only) | 6.9776% | 1,890 |
| Net charge-offs to loans | 0.0816% | 3,785 |
| Credit loss provision to net charge-offs | 364.8649% | 723 |
| Earnings coverage of net charge-offs (x) | 26.2444% | 1,357 |
| Efficiency ratio | 59.3554% | 5,516 |
| Assets per employee ($millions) | 4.7941% | 2,449 |
| Cash dividends to net income (ytd only)* | 37.5546% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 4,833 |
| Loan loss allowance to noncurrent loans | 1,187.5000% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 6,195 |
| Noncurrent loans to loans | 0.1015% | 6,025 |
| Net loans and leases to total assets | 78.7169% | 681 |
| Net loans and leases to deposits | 88.0472% | 1,358 |
| Net loans and leases to core deposits | 96.3647% | 1,359 |
| Total domestic deposits to total assets | 89.4030% | 1,359 |
| Equity capital to assets | 8.8480% | 5,367 |
| Core capital (leverage) ratio | 8.4894% | 5,780 |
| Tier 1 risk-based capital ratio | 11.0386% | 6,262 |
| Total risk-based capital ratio | 12.2909% | 6,224 |
| Memoranda: | ||
| Average total assets | $159,235,250 | 3,601 |
| Average earning assets | $144,311,750 | 3,633 |
| Average equity | $13,662,500 | 4,185 |
| Average total loans | $120,833,000 | 3,045 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 2,158 |
| Cost of funding earning assets | 0.4584% | 4,333 |
| Net interest margin | 4.0537% | 1,681 |
| Noninterest income to average assets | 0.2482% | 5,676 |
| Noninterest expense to average assets | 2.3524% | 5,196 |
| Loan and lease loss provision to assets | 0.2256% | 1,676 |
| Net operating income to assets | 0.9074% | 2,750 |
| Return on assets (ROA) | 0.9074% | 2,892 |
| Pretax return on assets | 1.3498% | 2,123 |
| Return on Equity (ROE) | 10.6858% | 1,934 |
| Retained earnings to average equity (ytd only) | 7.2912% | 1,751 |
| Net charge-offs to loans | 0.0605% | 3,840 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 34.9167% | 1,030 |
| Efficiency ratio | 59.8915% | 5,502 |
| Assets per employee ($millions) | 4.8627% | 2,280 |
| Cash dividends to net income (ytd only)* | 31.7680% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 4,957 |
| Loan loss allowance to noncurrent loans | 811.0497% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 5,941 |
| Noncurrent loans to loans | 0.1487% | 5,949 |
| Net loans and leases to total assets | 74.9360% | 1,116 |
| Net loans and leases to deposits | 82.7102% | 1,960 |
| Net loans and leases to core deposits | 90.8033% | 1,829 |
| Total domestic deposits to total assets | 90.6007% | 706 |
| Equity capital to assets | 8.4976% | 5,768 |
| Core capital (leverage) ratio | 8.2349% | 5,977 |
| Tier 1 risk-based capital ratio | 11.1559% | 6,266 |
| Total risk-based capital ratio | 12.3987% | 6,243 |
| Memoranda: | ||
| Average total assets | $159,578,670 | 3,618 |
| Average earning assets | $144,856,330 | 3,650 |
| Average equity | $13,550,670 | 4,231 |
| Average total loans | $119,092,670 | 3,090 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 2,333 |
| Cost of funding earning assets | 0.4649% | 4,428 |
| Net interest margin | 3.9905% | 1,829 |
| Noninterest income to average assets | 0.2664% | 5,550 |
| Noninterest expense to average assets | 2.4432% | 4,971 |
| Loan and lease loss provision to assets | 0.2262% | 1,624 |
| Net operating income to assets | 0.7717% | 3,323 |
| Return on assets (ROA) | 0.7717% | 3,458 |
| Pretax return on assets | 1.2216% | 2,504 |
| Return on Equity (ROE) | 9.0909% | 2,444 |
| Retained earnings to average equity (ytd only) | 3.1685% | 4,365 |
| Net charge-offs to loans | 0.1121% | 2,758 |
| Credit loss provision to net charge-offs | 272.7273% | 863 |
| Earnings coverage of net charge-offs (x) | 17.4545% | 1,314 |
| Efficiency ratio | 62.7907% | 5,182 |
| Assets per employee ($millions) | 4.8867% | 2,369 |
| Cash dividends to net income (ytd only)* | 65.1466% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 5,282 |
| Loan loss allowance to noncurrent loans | 754.6448% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 5,963 |
| Noncurrent loans to loans | 0.1559% | 6,004 |
| Net loans and leases to total assets | 71.9447% | 1,359 |
| Net loans and leases to deposits | 79.1764% | 2,190 |
| Net loans and leases to core deposits | 86.2190% | 2,085 |
| Total domestic deposits to total assets | 90.8663% | 584 |
| Equity capital to assets | 8.3927% | 6,110 |
| Core capital (leverage) ratio | 8.0508% | 6,095 |
| Tier 1 risk-based capital ratio | 11.1756% | 6,329 |
| Total risk-based capital ratio | 12.3822% | 6,324 |
| Memoranda: | ||
| Average total assets | $159,133,500 | 3,664 |
| Average earning assets | $144,543,500 | 3,680 |
| Average equity | $13,508,000 | 4,284 |
| Average total loans | $117,780,500 | 3,130 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 2,195 |
| Cost of funding earning assets | 0.5716% | 4,623 |
| Net interest margin | 4.2286% | 1,582 |
| Noninterest income to average assets | 0.3148% | 5,202 |
| Noninterest expense to average assets | 2.5081% | 5,062 |
| Loan and lease loss provision to assets | 0.2371% | 2,762 |
| Net operating income to assets | 0.9748% | 2,442 |
| Return on assets (ROA) | 0.9748% | 2,672 |
| Pretax return on assets | 1.4187% | 1,968 |
| Return on Equity (ROE) | 11.4567% | 1,670 |
| Retained earnings to average equity (ytd only) | 8.5151% | 958 |
| Net charge-offs to loans | 0.3570% | 2,847 |
| Credit loss provision to net charge-offs | 91.3706% | 3,418 |
| Earnings coverage of net charge-offs (x) | 6.3807% | 2,820 |
| Efficiency ratio | 60.0443% | 5,531 |
| Assets per employee ($millions) | 4.7578% | 2,568 |
| Cash dividends to net income (ytd only)* | 25.6757% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 5,469 |
| Loan loss allowance to noncurrent loans | 952.5180% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 6,121 |
| Noncurrent loans to loans | 0.1176% | 6,185 |
| Net loans and leases to total assets | 74.4158% | 1,137 |
| Net loans and leases to deposits | 82.0158% | 1,995 |
| Net loans and leases to core deposits | 88.0680% | 2,079 |
| Total domestic deposits to total assets | 90.7335% | 600 |
| Equity capital to assets | 8.5869% | 5,976 |
| Core capital (leverage) ratio | 8.0763% | 6,115 |
| Tier 1 risk-based capital ratio | 11.0633% | 6,323 |
| Total risk-based capital ratio | 12.2182% | 6,322 |
| Memoranda: | ||
| Average total assets | $151,825,400 | 3,740 |
| Average earning assets | $138,200,600 | 3,751 |
| Average equity | $12,918,200 | 4,377 |
| Average total loans | $110,355,000 | 3,292 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8389% | 2,248 |
| Cost of funding earning assets | 0.5907% | 4,738 |
| Net interest margin | 4.2483% | 1,599 |
| Noninterest income to average assets | 0.3357% | 5,113 |
| Noninterest expense to average assets | 2.6280% | 4,647 |
| Loan and lease loss provision to assets | 0.2391% | 2,661 |
| Net operating income to assets | 0.8671% | 3,147 |
| Return on assets (ROA) | 0.8671% | 3,388 |
| Pretax return on assets | 1.3419% | 2,442 |
| Return on Equity (ROE) | 10.2158% | 2,244 |
| Retained earnings to average equity (ytd only) | 6.2506% | 2,524 |
| Net charge-offs to loans | 0.1439% | 3,961 |
| Credit loss provision to net charge-offs | 230.7692% | 1,199 |
| Earnings coverage of net charge-offs (x) | 15.2560% | 1,778 |
| Efficiency ratio | 62.1843% | 5,125 |
| Assets per employee ($millions) | 4.6891% | 2,612 |
| Cash dividends to net income (ytd only)* | 38.8148% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 4,465 |
| Loan loss allowance to noncurrent loans | 873.4104% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 5,787 |
| Noncurrent loans to loans | 0.1579% | 6,214 |
| Net loans and leases to total assets | 69.8163% | 1,947 |
| Net loans and leases to deposits | 76.9828% | 2,821 |
| Net loans and leases to core deposits | 82.7389% | 2,868 |
| Total domestic deposits to total assets | 90.6908% | 523 |
| Equity capital to assets | 8.4859% | 6,271 |
| Core capital (leverage) ratio | 7.9960% | 6,334 |
| Tier 1 risk-based capital ratio | 11.2202% | 6,389 |
| Total risk-based capital ratio | 12.4719% | 6,358 |
| Memoranda: | ||
| Average total assets | $150,530,000 | 3,810 |
| Average earning assets | $137,244,500 | 3,807 |
| Average equity | $12,777,250 | 4,452 |
| Average total loans | $108,403,250 | 3,355 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9040% | 2,095 |
| Cost of funding earning assets | 0.6097% | 4,815 |
| Net interest margin | 4.2943% | 1,491 |
| Noninterest income to average assets | 0.3621% | 4,939 |
| Noninterest expense to average assets | 2.6461% | 4,621 |
| Loan and lease loss provision to assets | 0.2414% | 2,648 |
| Net operating income to assets | 0.9066% | 2,884 |
| Return on assets (ROA) | 0.9066% | 3,153 |
| Pretax return on assets | 1.3854% | 2,256 |
| Return on Equity (ROE) | 10.6799% | 2,100 |
| Retained earnings to average equity (ytd only) | 7.8361% | 1,705 |
| Net charge-offs to loans | 0.1814% | 3,506 |
| Credit loss provision to net charge-offs | 183.6735% | 1,547 |
| Earnings coverage of net charge-offs (x) | 12.3776% | 1,880 |
| Efficiency ratio | 61.5505% | 5,321 |
| Assets per employee ($millions) | 4.5713% | 2,772 |
| Cash dividends to net income (ytd only)* | 26.6272% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 4,713 |
| Loan loss allowance to noncurrent loans | 431.1377% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 5,827 |
| Noncurrent loans to loans | 0.3101% | 5,935 |
| Net loans and leases to total assets | 70.4323% | 1,841 |
| Net loans and leases to deposits | 77.7426% | 2,713 |
| Net loans and leases to core deposits | 84.3013% | 2,653 |
| Total domestic deposits to total assets | 90.5969% | 616 |
| Equity capital to assets | 8.6010% | 6,121 |
| Core capital (leverage) ratio | 7.9987% | 6,281 |
| Tier 1 risk-based capital ratio | 11.3425% | 6,318 |
| Total risk-based capital ratio | 12.5905% | 6,291 |
| Memoranda: | ||
| Average total assets | $149,127,000 | 3,856 |
| Average earning assets | $135,807,330 | 3,850 |
| Average equity | $12,659,330 | 4,470 |
| Average total loans | $108,023,000 | 3,381 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9376% | 2,100 |
| Cost of funding earning assets | 0.6268% | 4,923 |
| Net interest margin | 4.3108% | 1,435 |
| Noninterest income to average assets | 0.3615% | 4,990 |
| Noninterest expense to average assets | 2.8895% | 3,665 |
| Loan and lease loss provision to assets | 0.2428% | 2,528 |
| Net operating income to assets | 0.6799% | 3,980 |
| Return on assets (ROA) | 0.6799% | 4,198 |
| Pretax return on assets | 1.1628% | 3,061 |
| Return on Equity (ROE) | 8.0630% | 3,255 |
| Retained earnings to average equity (ytd only) | 2.3037% | 5,106 |
| Net charge-offs to loans | 0.1701% | 3,068 |
| Credit loss provision to net charge-offs | 195.6522% | 1,363 |
| Earnings coverage of net charge-offs (x) | 11.3261% | 1,680 |
| Efficiency ratio | 67.2739% | 4,305 |
| Assets per employee ($millions) | 4.5835% | 2,838 |
| Cash dividends to net income (ytd only)* | 71.4286% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 5,011 |
| Loan loss allowance to noncurrent loans | 439.4984% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 6,359 |
| Noncurrent loans to loans | 0.2963% | 6,079 |
| Net loans and leases to total assets | 70.2485% | 1,713 |
| Net loans and leases to deposits | 77.2640% | 2,636 |
| Net loans and leases to core deposits | 82.9754% | 2,694 |
| Total domestic deposits to total assets | 90.9200% | 593 |
| Equity capital to assets | 8.2833% | 6,281 |
| Core capital (leverage) ratio | 7.9200% | 6,322 |
| Tier 1 risk-based capital ratio | 10.8910% | 6,583 |
| Total risk-based capital ratio | 12.1421% | 6,573 |
| Memoranda: | ||
| Average total assets | $148,263,500 | 3,904 |
| Average earning assets | $135,288,000 | 3,898 |
| Average equity | $12,501,500 | 4,507 |
| Average total loans | $108,189,500 | 3,402 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2435% | 1,902 |
| Cost of funding earning assets | 0.8378% | 4,562 |
| Net interest margin | 4.4057% | 1,386 |
| Noninterest income to average assets | 0.3212% | 5,247 |
| Noninterest expense to average assets | 2.5941% | 5,122 |
| Loan and lease loss provision to assets | 0.2857% | 3,375 |
| Net operating income to assets | 1.0089% | 2,167 |
| Return on assets (ROA) | 1.0089% | 2,310 |
| Pretax return on assets | 1.4681% | 1,563 |
| Return on Equity (ROE) | 12.3552% | 1,312 |
| Retained earnings to average equity (ytd only) | 8.2595% | 996 |
| Net charge-offs to loans | 0.2475% | 4,230 |
| Credit loss provision to net charge-offs | 160.1563% | 1,725 |
| Earnings coverage of net charge-offs (x) | 9.8320% | 1,926 |
| Efficiency ratio | 59.6635% | 5,808 |
| Assets per employee ($millions) | 4.4022% | 3,060 |
| Cash dividends to net income (ytd only)* | 33.1492% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 5,174 |
| Loan loss allowance to noncurrent loans | 382.5352% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 6,358 |
| Noncurrent loans to loans | 0.3265% | 6,078 |
| Net loans and leases to total assets | 73.9060% | 1,289 |
| Net loans and leases to deposits | 81.4981% | 2,271 |
| Net loans and leases to core deposits | 85.9269% | 2,643 |
| Total domestic deposits to total assets | 90.6843% | 637 |
| Equity capital to assets | 8.5867% | 6,027 |
| Core capital (leverage) ratio | 8.0462% | 6,210 |
| Tier 1 risk-based capital ratio | 10.9275% | 6,489 |
| Total risk-based capital ratio | 12.1778% | 6,471 |
| Memoranda: | ||
| Average total assets | $143,516,000 | 3,920 |
| Average earning assets | $131,172,400 | 3,908 |
| Average equity | $11,719,800 | 4,614 |
| Average total loans | $103,418,600 | 3,535 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2628% | 1,984 |
| Cost of funding earning assets | 0.8907% | 4,465 |
| Net interest margin | 4.3721% | 1,483 |
| Noninterest income to average assets | 0.2693% | 5,691 |
| Noninterest expense to average assets | 2.6530% | 4,895 |
| Loan and lease loss provision to assets | 0.2516% | 3,494 |
| Net operating income to assets | 1.0232% | 2,237 |
| Return on assets (ROA) | 1.0232% | 2,401 |
| Pretax return on assets | 1.3671% | 2,055 |
| Return on Equity (ROE) | 12.6956% | 1,360 |
| Retained earnings to average equity (ytd only) | 7.1456% | 1,889 |
| Net charge-offs to loans | 0.3304% | 3,440 |
| Credit loss provision to net charge-offs | 106.7194% | 3,098 |
| Earnings coverage of net charge-offs (x) | 6.8657% | 2,465 |
| Efficiency ratio | 62.1073% | 5,391 |
| Assets per employee ($millions) | 4.4910% | 2,935 |
| Cash dividends to net income (ytd only)* | 43.7157% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,666 |
| Loan loss allowance to noncurrent loans | 735.5422% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 6,764 |
| Noncurrent loans to loans | 0.1568% | 6,555 |
| Net loans and leases to total assets | 72.7991% | 1,549 |
| Net loans and leases to deposits | 80.2407% | 2,620 |
| Net loans and leases to core deposits | 85.4237% | 2,856 |
| Total domestic deposits to total assets | 90.7259% | 540 |
| Equity capital to assets | 8.4349% | 6,364 |
| Core capital (leverage) ratio | 7.8763% | 6,506 |
| Tier 1 risk-based capital ratio | 10.9616% | 6,563 |
| Total risk-based capital ratio | 12.1545% | 6,581 |
| Memoranda: | ||
| Average total assets | $143,077,250 | 3,945 |
| Average earning assets | $130,979,750 | 3,936 |
| Average equity | $11,531,250 | 4,685 |
| Average total loans | $102,092,750 | 3,595 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1103% | 2,631 |
| Cost of funding earning assets | 0.9593% | 4,255 |
| Net interest margin | 4.1509% | 2,226 |
| Noninterest income to average assets | 0.2590% | 5,796 |
| Noninterest expense to average assets | 2.6192% | 5,119 |
| Loan and lease loss provision to assets | 0.2520% | 3,385 |
| Net operating income to assets | 0.8413% | 2,898 |
| Return on assets (ROA) | 0.8413% | 2,997 |
| Pretax return on assets | 1.1857% | 2,538 |
| Return on Equity (ROE) | 10.6049% | 1,924 |
| Retained earnings to average equity (ytd only) | 5.6642% | 2,612 |
| Net charge-offs to loans | 0.4681% | 2,707 |
| Credit loss provision to net charge-offs | 76.2712% | 3,879 |
| Earnings coverage of net charge-offs (x) | 4.3517% | 2,879 |
| Efficiency ratio | 64.5618% | 5,136 |
| Assets per employee ($millions) | 4.4200% | 2,960 |
| Cash dividends to net income (ytd only)* | 46.5890% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 5,832 |
| Loan loss allowance to noncurrent loans | 896.8750% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 6,872 |
| Noncurrent loans to loans | 0.1259% | 6,666 |
| Net loans and leases to total assets | 71.0831% | 1,985 |
| Net loans and leases to deposits | 78.1403% | 3,100 |
| Net loans and leases to core deposits | 83.7882% | 3,242 |
| Total domestic deposits to total assets | 90.9686% | 512 |
| Equity capital to assets | 8.2593% | 6,461 |
| Core capital (leverage) ratio | 7.5272% | 6,724 |
| Tier 1 risk-based capital ratio | 11.2805% | 6,330 |
| Total risk-based capital ratio | 12.4660% | 6,363 |
| Memoranda: | ||
| Average total assets | $142,865,670 | 3,980 |
| Average earning assets | $130,717,330 | 3,967 |
| Average equity | $11,334,330 | 4,733 |
| Average total loans | $100,843,000 | 3,664 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9654% | 3,265 |
| Cost of funding earning assets | 1.0235% | 4,039 |
| Net interest margin | 3.9419% | 2,945 |
| Noninterest income to average assets | 0.2897% | 5,594 |
| Noninterest expense to average assets | 2.7386% | 4,681 |
| Loan and lease loss provision to assets | 0.2507% | 3,150 |
| Net operating income to assets | 0.5628% | 4,224 |
| Return on assets (ROA) | 0.5628% | 4,301 |
| Pretax return on assets | 0.9054% | 3,475 |
| Return on Equity (ROE) | 7.2398% | 3,275 |
| Retained earnings to average equity (ytd only) | 0.0717% | 5,766 |
| Net charge-offs to loans | 0.2111% | 3,250 |
| Credit loss provision to net charge-offs | 169.8113% | 1,703 |
| Earnings coverage of net charge-offs (x) | 7.8302% | 1,891 |
| Efficiency ratio | 70.3147% | 4,192 |
| Assets per employee ($millions) | 4.4100% | 3,033 |
| Cash dividends to net income (ytd only)* | 99.0099% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 5,499 |
| Loan loss allowance to noncurrent loans | 369.3452% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 6,399 |
| Noncurrent loans to loans | 0.3320% | 6,330 |
| Net loans and leases to total assets | 68.6823% | 2,404 |
| Net loans and leases to deposits | 74.9112% | 3,611 |
| Net loans and leases to core deposits | 80.8192% | 3,629 |
| Total domestic deposits to total assets | 91.6849% | 374 |
| Equity capital to assets | 7.6733% | 6,768 |
| Core capital (leverage) ratio | 7.4478% | 6,760 |
| Tier 1 risk-based capital ratio | 10.6158% | 6,742 |
| Total risk-based capital ratio | 11.8581% | 6,724 |
| Memoranda: | ||
| Average total assets | $143,578,500 | 4,003 |
| Average earning assets | $131,308,500 | 3,992 |
| Average equity | $11,160,500 | 4,752 |
| Average total loans | $100,420,500 | 3,707 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3523% | 2,884 |
| Cost of funding earning assets | 1.2534% | 4,194 |
| Net interest margin | 4.0989% | 2,563 |
| Noninterest income to average assets | 0.3097% | 5,587 |
| Noninterest expense to average assets | 2.6100% | 5,373 |
| Loan and lease loss provision to assets | 0.3336% | 4,150 |
| Net operating income to assets | 0.7745% | 2,904 |
| Return on assets (ROA) | 0.7745% | 3,033 |
| Pretax return on assets | 1.1059% | 2,556 |
| Return on Equity (ROE) | 9.8878% | 1,972 |
| Retained earnings to average equity (ytd only) | 5.9068% | 1,875 |
| Net charge-offs to loans | 0.3910% | 4,081 |
| Credit loss provision to net charge-offs | 118.2519% | 3,602 |
| Earnings coverage of net charge-offs (x) | 5.1028% | 2,711 |
| Efficiency ratio | 64.4520% | 5,276 |
| Assets per employee ($millions) | 4.2917% | 3,227 |
| Cash dividends to net income (ytd only)* | 40.2622% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 5,469 |
| Loan loss allowance to noncurrent loans | 247.2279% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3439% | 6,400 |
| Noncurrent loans to loans | 0.4887% | 6,061 |
| Net loans and leases to total assets | 69.5084% | 2,657 |
| Net loans and leases to deposits | 75.8799% | 3,861 |
| Net loans and leases to core deposits | 81.4445% | 3,986 |
| Total domestic deposits to total assets | 91.6032% | 371 |
| Equity capital to assets | 7.8757% | 6,615 |
| Core capital (leverage) ratio | 7.6104% | 6,612 |
| Tier 1 risk-based capital ratio | 10.8566% | 6,442 |
| Total risk-based capital ratio | 12.0894% | 6,426 |
| Memoranda: | ||
| Average total assets | $137,894,000 | 4,097 |
| Average earning assets | $125,815,600 | 4,107 |
| Average equity | $10,801,200 | 4,909 |
| Average total loans | $99,494,800 | 3,809 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3976% | 2,898 |
| Cost of funding earning assets | 1.2862% | 4,318 |
| Net interest margin | 4.1114% | 2,577 |
| Noninterest income to average assets | 0.3164% | 5,617 |
| Noninterest expense to average assets | 2.5866% | 5,375 |
| Loan and lease loss provision to assets | 0.2628% | 4,476 |
| Net operating income to assets | 0.8956% | 2,629 |
| Return on assets (ROA) | 0.8956% | 2,778 |
| Pretax return on assets | 1.2169% | 2,431 |
| Return on Equity (ROE) | 11.4500% | 1,663 |
| Retained earnings to average equity (ytd only) | 6.0984% | 2,306 |
| Net charge-offs to loans | 0.4598% | 3,453 |
| Credit loss provision to net charge-offs | 78.7172% | 5,177 |
| Earnings coverage of net charge-offs (x) | 4.4315% | 3,053 |
| Efficiency ratio | 63.6102% | 5,319 |
| Assets per employee ($millions) | 4.5195% | 2,876 |
| Cash dividends to net income (ytd only)* | 46.7391% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 6,122 |
| Loan loss allowance to noncurrent loans | 319.2771% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 6,773 |
| Noncurrent loans to loans | 0.3315% | 6,528 |
| Net loans and leases to total assets | 70.7308% | 2,554 |
| Net loans and leases to deposits | 77.3342% | 3,946 |
| Net loans and leases to core deposits | 84.6801% | 3,852 |
| Total domestic deposits to total assets | 91.4613% | 321 |
| Equity capital to assets | 7.9213% | 6,858 |
| Core capital (leverage) ratio | 7.6052% | 6,764 |
| Tier 1 risk-based capital ratio | 10.7515% | 6,586 |
| Total risk-based capital ratio | 11.8417% | 6,699 |
| Memoranda: | ||
| Average total assets | $136,961,000 | 4,165 |
| Average earning assets | $124,917,250 | 4,187 |
| Average equity | $10,713,000 | 4,993 |
| Average total loans | $99,457,000 | 3,876 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4056% | 2,950 |
| Cost of funding earning assets | 1.3336% | 4,305 |
| Net interest margin | 4.0719% | 2,694 |
| Noninterest income to average assets | 0.2884% | 5,843 |
| Noninterest expense to average assets | 2.6281% | 5,213 |
| Loan and lease loss provision to assets | 0.2649% | 4,278 |
| Net operating income to assets | 0.8005% | 2,970 |
| Return on assets (ROA) | 0.8005% | 3,111 |
| Pretax return on assets | 1.1066% | 2,766 |
| Return on Equity (ROE) | 10.2790% | 2,000 |
| Retained earnings to average equity (ytd only) | 6.6889% | 1,981 |
| Net charge-offs to loans | 0.3245% | 3,700 |
| Credit loss provision to net charge-offs | 111.8012% | 3,628 |
| Earnings coverage of net charge-offs (x) | 5.7888% | 2,600 |
| Efficiency ratio | 65.7101% | 5,033 |
| Assets per employee ($millions) | 4.3972% | 3,055 |
| Cash dividends to net income (ytd only)* | 34.9265% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 5,658 |
| Loan loss allowance to noncurrent loans | 400.0000% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 6,874 |
| Noncurrent loans to loans | 0.2893% | 6,654 |
| Net loans and leases to total assets | 72.1824% | 2,347 |
| Net loans and leases to deposits | 78.9312% | 3,812 |
| Net loans and leases to core deposits | 86.3689% | 3,777 |
| Total domestic deposits to total assets | 91.4498% | 348 |
| Equity capital to assets | 8.0264% | 6,731 |
| Core capital (leverage) ratio | 7.5515% | 6,780 |
| Tier 1 risk-based capital ratio | 10.8492% | 6,401 |
| Total risk-based capital ratio | 12.0604% | 6,423 |
| Memoranda: | ||
| Average total assets | $135,913,670 | 4,215 |
| Average earning assets | $123,872,000 | 4,233 |
| Average equity | $10,584,670 | 5,036 |
| Average total loans | $99,224,000 | 3,922 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3782% | 3,149 |
| Cost of funding earning assets | 1.3906% | 4,241 |
| Net interest margin | 3.9875% | 2,929 |
| Noninterest income to average assets | 0.2741% | 5,960 |
| Noninterest expense to average assets | 2.6497% | 5,145 |
| Loan and lease loss provision to assets | 0.2653% | 3,907 |
| Net operating income to assets | 0.6956% | 3,458 |
| Return on assets (ROA) | 0.6956% | 3,572 |
| Pretax return on assets | 0.9933% | 3,120 |
| Return on Equity (ROE) | 9.0713% | 2,469 |
| Retained earnings to average equity (ytd only) | 1.7681% | 5,055 |
| Net charge-offs to loans | 0.3351% | 3,072 |
| Credit loss provision to net charge-offs | 108.4337% | 3,174 |
| Earnings coverage of net charge-offs (x) | 5.1446% | 2,456 |
| Efficiency ratio | 67.7979% | 4,762 |
| Assets per employee ($millions) | 4.4337% | 3,068 |
| Cash dividends to net income (ytd only)* | 80.5085% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 5,773 |
| Loan loss allowance to noncurrent loans | 361.9048% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 6,883 |
| Noncurrent loans to loans | 0.3179% | 6,669 |
| Net loans and leases to total assets | 71.2549% | 2,631 |
| Net loans and leases to deposits | 77.5837% | 4,115 |
| Net loans and leases to core deposits | 78.2870% | 4,991 |
| Total domestic deposits to total assets | 91.8426% | 278 |
| Equity capital to assets | 7.6044% | 6,990 |
| Core capital (leverage) ratio | 7.3958% | 6,938 |
| Tier 1 risk-based capital ratio | 10.4194% | 6,705 |
| Total risk-based capital ratio | 11.6070% | 6,752 |
| Memoranda: | ||
| Average total assets | $135,714,000 | 4,286 |
| Average earning assets | $123,685,000 | 4,290 |
| Average equity | $10,406,500 | 5,130 |
| Average total loans | $99,063,000 | 3,982 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7305% | 2,958 |
| Cost of funding earning assets | 1.7510% | 4,243 |
| Net interest margin | 3.9795% | 2,946 |
| Noninterest income to average assets | 0.3440% | 5,633 |
| Noninterest expense to average assets | 2.6071% | 5,775 |
| Loan and lease loss provision to assets | 0.5136% | 3,806 |
| Net operating income to assets | 0.6179% | 3,266 |
| Return on assets (ROA) | 0.6179% | 3,335 |
| Pretax return on assets | 0.8491% | 3,091 |
| Return on Equity (ROE) | 7.6585% | 2,512 |
| Retained earnings to average equity (ytd only) | 2.4982% | 3,395 |
| Net charge-offs to loans | 0.3668% | 4,388 |
| Credit loss provision to net charge-offs | 183.8440% | 2,227 |
| Earnings coverage of net charge-offs (x) | 4.8774% | 2,774 |
| Efficiency ratio | 65.6734% | 5,457 |
| Assets per employee ($millions) | 4.3220% | 3,238 |
| Cash dividends to net income (ytd only)* | 67.3804% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 5,670 |
| Loan loss allowance to noncurrent loans | 845.5224% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 7,247 |
| Noncurrent loans to loans | 0.1353% | 7,091 |
| Net loans and leases to total assets | 73.0815% | 2,486 |
| Net loans and leases to deposits | 79.6207% | 4,062 |
| Net loans and leases to core deposits | 98.5983% | 4,165 |
| Total domestic deposits to total assets | 91.7870% | 309 |
| Equity capital to assets | 7.7331% | 6,828 |
| Core capital (leverage) ratio | 7.4201% | 6,865 |
| Tier 1 risk-based capital ratio | 10.7948% | 6,118 |
| Total risk-based capital ratio | 12.0221% | 6,112 |
| Memoranda: | ||
| Average total assets | $128,496,000 | 4,373 |
| Average earning assets | $117,075,800 | 4,374 |
| Average equity | $10,367,600 | 5,201 |
| Average total loans | $97,883,200 | 4,010 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7913% | 2,931 |
| Cost of funding earning assets | 1.8135% | 4,320 |
| Net interest margin | 3.9779% | 2,899 |
| Noninterest income to average assets | 0.3744% | 5,520 |
| Noninterest expense to average assets | 2.6388% | 5,565 |
| Loan and lease loss provision to assets | 0.2832% | 4,711 |
| Net operating income to assets | 0.8653% | 2,558 |
| Return on assets (ROA) | 0.8653% | 2,622 |
| Pretax return on assets | 1.0782% | 2,644 |
| Return on Equity (ROE) | 10.6080% | 1,730 |
| Retained earnings to average equity (ytd only) | 4.5647% | 2,723 |
| Net charge-offs to loans | 0.4987% | 3,228 |
| Credit loss provision to net charge-offs | 73.9726% | 5,903 |
| Earnings coverage of net charge-offs (x) | 3.5562% | 3,482 |
| Efficiency ratio | 65.9675% | 5,368 |
| Assets per employee ($millions) | 4.2310% | 3,318 |
| Cash dividends to net income (ytd only)* | 56.9697% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 7,260 |
| Loan loss allowance to noncurrent loans | 247.3154% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 6,952 |
| Noncurrent loans to loans | 0.3036% | 6,757 |
| Net loans and leases to total assets | 74.2835% | 2,448 |
| Net loans and leases to deposits | 81.2236% | 4,163 |
| Net loans and leases to core deposits | 100.7424% | 4,287 |
| Total domestic deposits to total assets | 91.4555% | 270 |
| Equity capital to assets | 8.0268% | 6,827 |
| Core capital (leverage) ratio | 7.6765% | 6,761 |
| Tier 1 risk-based capital ratio | 10.9354% | 6,006 |
| Total risk-based capital ratio | 11.7364% | 6,436 |
| Memoranda: | ||
| Average total assets | $127,124,500 | 4,423 |
| Average earning assets | $115,871,750 | 4,432 |
| Average equity | $10,369,250 | 5,236 |
| Average total loans | $97,591,750 | 4,050 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8363% | 2,868 |
| Cost of funding earning assets | 1.8616% | 4,459 |
| Net interest margin | 3.9747% | 2,811 |
| Noninterest income to average assets | 0.3928% | 5,351 |
| Noninterest expense to average assets | 2.6936% | 5,406 |
| Loan and lease loss provision to assets | 0.2862% | 4,289 |
| Net operating income to assets | 0.8157% | 2,797 |
| Return on assets (ROA) | 0.8157% | 2,892 |
| Pretax return on assets | 1.0320% | 2,878 |
| Return on Equity (ROE) | 9.9454% | 2,036 |
| Retained earnings to average equity (ytd only) | 5.8742% | 2,083 |
| Net charge-offs to loans | 0.5092% | 2,800 |
| Credit loss provision to net charge-offs | 72.5806% | 5,374 |
| Earnings coverage of net charge-offs (x) | 3.3427% | 3,477 |
| Efficiency ratio | 67.1423% | 5,333 |
| Assets per employee ($millions) | 4.2658% | 3,178 |
| Cash dividends to net income (ytd only)* | 40.9357% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 7,207 |
| Loan loss allowance to noncurrent loans | 284.0149% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 7,002 |
| Noncurrent loans to loans | 0.2758% | 6,833 |
| Net loans and leases to total assets | 73.1715% | 2,916 |
| Net loans and leases to deposits | 79.9019% | 4,564 |
| Net loans and leases to core deposits | 101.5906% | 4,329 |
| Total domestic deposits to total assets | 91.5767% | 299 |
| Equity capital to assets | 7.8917% | 6,872 |
| Core capital (leverage) ratio | 7.6178% | 6,872 |
| Tier 1 risk-based capital ratio | 10.8827% | 6,001 |
| Total risk-based capital ratio | 11.7133% | 6,356 |
| Memoranda: | ||
| Average total assets | $125,779,000 | 4,484 |
| Average earning assets | $114,523,670 | 4,503 |
| Average equity | $10,316,330 | 5,277 |
| Average total loans | $97,399,670 | 4,085 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0977% | 1,953 |
| Cost of funding earning assets | 1.9235% | 4,518 |
| Net interest margin | 4.1742% | 1,997 |
| Noninterest income to average assets | 0.4537% | 4,738 |
| Noninterest expense to average assets | 2.6243% | 5,346 |
| Loan and lease loss provision to assets | 0.2938% | 3,602 |
| Net operating income to assets | 1.1032% | 1,952 |
| Return on assets (ROA) | 1.1032% | 2,078 |
| Pretax return on assets | 1.3252% | 2,193 |
| Return on Equity (ROE) | 13.1819% | 1,340 |
| Retained earnings to average equity (ytd only) | 5.3820% | 2,919 |
| Net charge-offs to loans | 0.5055% | 2,198 |
| Credit loss provision to net charge-offs | 73.1707% | 4,294 |
| Earnings coverage of net charge-offs (x) | 4.0325% | 3,000 |
| Efficiency ratio | 61.8462% | 6,083 |
| Assets per employee ($millions) | 4.0141% | 3,632 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 7,080 |
| Loan loss allowance to noncurrent loans | 168.9218% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 6,405 |
| Noncurrent loans to loans | 0.4864% | 6,213 |
| Net loans and leases to total assets | 75.0763% | 2,487 |
| Net loans and leases to deposits | 82.0217% | 4,280 |
| Net loans and leases to core deposits | 100.1849% | 4,520 |
| Total domestic deposits to total assets | 91.5322% | 267 |
| Equity capital to assets | 8.0427% | 6,749 |
| Core capital (leverage) ratio | 8.0709% | 6,343 |
| Tier 1 risk-based capital ratio | 10.8032% | 6,091 |
| Total risk-based capital ratio | 11.6800% | 6,373 |
| Memoranda: | ||
| Average total assets | $122,548,500 | 4,584 |
| Average earning assets | $111,254,500 | 4,599 |
| Average equity | $10,256,500 | 5,304 |
| Average total loans | $97,336,500 | 4,104 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7814% | 1,748 |
| Cost of funding earning assets | 2.5235% | 4,079 |
| Net interest margin | 4.2580% | 2,094 |
| Noninterest income to average assets | 0.2979% | 6,332 |
| Noninterest expense to average assets | 2.6184% | 5,581 |
| Loan and lease loss provision to assets | 0.5657% | 2,557 |
| Net operating income to assets | 0.6745% | 4,009 |
| Return on assets (ROA) | 0.6745% | 3,843 |
| Pretax return on assets | 0.9615% | 3,516 |
| Return on Equity (ROE) | 8.1577% | 3,001 |
| Retained earnings to average equity (ytd only) | 3.2489% | 3,131 |
| Net charge-offs to loans | 0.8817% | 1,403 |
| Credit loss provision to net charge-offs | 80.8612% | 5,883 |
| Earnings coverage of net charge-offs (x) | 2.1830% | 4,982 |
| Efficiency ratio | 63.1611% | 5,745 |
| Assets per employee ($millions) | 3.6452% | 4,300 |
| Cash dividends to net income (ytd only)* | 60.1737% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 6,883 |
| Loan loss allowance to noncurrent loans | 189.5216% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 6,110 |
| Noncurrent loans to loans | 0.4505% | 6,001 |
| Net loans and leases to total assets | 82.8197% | 1,075 |
| Net loans and leases to deposits | 91.0930% | 3,276 |
| Net loans and leases to core deposits | 108.2154% | 3,943 |
| Total domestic deposits to total assets | 90.9177% | 353 |
| Equity capital to assets | 8.7290% | 5,764 |
| Core capital (leverage) ratio | 8.2173% | 6,133 |
| Tier 1 risk-based capital ratio | 10.9389% | 5,781 |
| Total risk-based capital ratio | 11.8766% | 5,967 |
| Memoranda: | ||
| Average total assets | $119,500,600 | 4,539 |
| Average earning assets | $107,986,000 | 4,563 |
| Average equity | $9,880,200 | 5,445 |
| Average total loans | $94,814,000 | 4,084 |