Home > The Stockgrowers State Bank of Ashland, Kansas > Performance and Condition Ratios
The Stockgrowers State Bank of Ashland, Kansas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 3,106 |
| Cost of funding earning assets | 1.7319% | 1,381 |
| Net interest margin | 2.7640% | 3,726 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.2414% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7054% | 3,182 |
| Return on assets (ROA) | 0.7321% | 3,084 |
| Pretax return on assets | 0.7628% | 3,306 |
| Return on Equity (ROE) | 8.1600% | 2,978 |
| Retained earnings to average equity (ytd only) | 2.9448% | 3,296 |
| Net charge-offs to loans | -0.0109% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.3041% | 1,323 |
| Assets per employee ($millions) | 8.2516% | 1,305 |
| Cash dividends to net income (ytd only)* | 63.8912% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 2,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 50.4400% | 3,572 |
| Net loans and leases to deposits | 63.2523% | 3,336 |
| Net loans and leases to core deposits | 70.8908% | 3,252 |
| Total domestic deposits to total assets | 79.7400% | 3,508 |
| Equity capital to assets | 8.9691% | 2,695 |
| Core capital (leverage) ratio | 12.7416% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $165,698,400 | 3,228 |
| Average earning assets | $155,497,800 | 3,206 |
| Average equity | $14,873,800 | 3,282 |
| Average total loans | $82,226,400 | 3,377 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 3,069 |
| Cost of funding earning assets | 1.6098% | 1,354 |
| Net interest margin | 2.8106% | 3,710 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.2818% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7375% | 3,212 |
| Return on assets (ROA) | 0.7691% | 3,107 |
| Pretax return on assets | 0.8013% | 3,331 |
| Return on Equity (ROE) | 8.5700% | 3,040 |
| Retained earnings to average equity (ytd only) | 4.5264% | 3,090 |
| Net charge-offs to loans | -0.0151% | 4,056 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.8108% | 1,290 |
| Assets per employee ($millions) | 7.4162% | 1,688 |
| Cash dividends to net income (ytd only)* | 47.1597% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 3,046 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 51.8200% | 3,509 |
| Net loans and leases to deposits | 70.3510% | 2,823 |
| Net loans and leases to core deposits | 80.4981% | 2,563 |
| Total domestic deposits to total assets | 73.6600% | 4,181 |
| Equity capital to assets | 8.4557% | 2,750 |
| Core capital (leverage) ratio | 12.8437% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $161,739,250 | 3,268 |
| Average earning assets | $151,897,250 | 3,245 |
| Average equity | $14,521,750 | 3,307 |
| Average total loans | $79,628,250 | 3,419 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1934% | 3,308 |
| Cost of funding earning assets | 1.3403% | 1,611 |
| Net interest margin | 2.8532% | 3,725 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.2807% | 2,865 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8114% | 3,046 |
| Return on assets (ROA) | 0.8495% | 2,934 |
| Pretax return on assets | 0.8830% | 3,212 |
| Return on Equity (ROE) | 9.2800% | 2,897 |
| Retained earnings to average equity (ytd only) | 5.7574% | 2,709 |
| Net charge-offs to loans | -0.0257% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.0052% | 1,455 |
| Assets per employee ($millions) | 7.2950% | 1,722 |
| Cash dividends to net income (ytd only)* | 37.9562% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 2,738 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 49.0600% | 3,613 |
| Net loans and leases to deposits | 59.8342% | 3,431 |
| Net loans and leases to core deposits | 66.7664% | 3,306 |
| Total domestic deposits to total assets | 82.0000% | 3,235 |
| Equity capital to assets | 9.3502% | 2,267 |
| Core capital (leverage) ratio | 13.3404% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $161,266,667 | 3,279 |
| Average earning assets | $151,762,000 | 3,256 |
| Average equity | $14,763,667 | 3,296 |
| Average total loans | $77,683,667 | 3,448 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 3,279 |
| Cost of funding earning assets | 1.1976% | 1,457 |
| Net interest margin | 2.8862% | 3,810 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.3977% | 2,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6298% | 3,634 |
| Return on assets (ROA) | 0.6706% | 3,487 |
| Pretax return on assets | 0.6904% | 3,683 |
| Return on Equity (ROE) | 7.4000% | 3,433 |
| Retained earnings to average equity (ytd only) | 4.2616% | 3,194 |
| Net charge-offs to loans | -0.0052% | 3,652 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.7165% | 934 |
| Assets per employee ($millions) | 6.6164% | 2,251 |
| Cash dividends to net income (ytd only)* | 42.4354% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 2,833 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 49.0100% | 3,567 |
| Net loans and leases to deposits | 60.5143% | 3,302 |
| Net loans and leases to core deposits | 68.1829% | 3,083 |
| Total domestic deposits to total assets | 80.9900% | 3,640 |
| Equity capital to assets | 9.5892% | 2,069 |
| Core capital (leverage) ratio | 13.0402% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $161,655,500 | 3,327 |
| Average earning assets | $152,310,500 | 3,297 |
| Average equity | $14,642,500 | 3,338 |
| Average total loans | $76,698,500 | 3,505 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1801% | 3,851 |
| Cost of funding earning assets | 0.5229% | 1,252 |
| Net interest margin | 2.6571% | 4,106 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.2843% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6984% | 3,625 |
| Return on assets (ROA) | 0.7092% | 3,537 |
| Pretax return on assets | 0.7363% | 3,779 |
| Return on Equity (ROE) | 7.1700% | 3,599 |
| Retained earnings to average equity (ytd only) | 2.5942% | 3,822 |
| Net charge-offs to loans | -0.0668% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.9089% | 1,021 |
| Assets per employee ($millions) | 6.8549% | 2,078 |
| Cash dividends to net income (ytd only)* | 63.8298% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 1,021 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 44.6700% | 3,861 |
| Net loans and leases to deposits | 51.1683% | 3,848 |
| Net loans and leases to core deposits | 56.6541% | 3,694 |
| Total domestic deposits to total assets | 87.3000% | 2,292 |
| Equity capital to assets | 8.5450% | 2,681 |
| Core capital (leverage) ratio | 13.5250% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $159,044,600 | 3,354 |
| Average earning assets | $150,500,000 | 3,324 |
| Average equity | $15,727,200 | 3,302 |
| Average total loans | $73,396,600 | 3,515 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0592% | 3,771 |
| Cost of funding earning assets | 0.4276% | 1,113 |
| Net interest margin | 2.6316% | 4,053 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.2053% | 2,919 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8245% | 3,157 |
| Return on assets (ROA) | 0.8261% | 3,118 |
| Pretax return on assets | 0.8591% | 3,452 |
| Return on Equity (ROE) | 8.0700% | 3,308 |
| Retained earnings to average equity (ytd only) | 4.5587% | 3,256 |
| Net charge-offs to loans | -0.0894% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.0044% | 1,509 |
| Assets per employee ($millions) | 6.0597% | 2,713 |
| Cash dividends to net income (ytd only)* | 43.5005% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 1,001 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 48.6400% | 3,562 |
| Net loans and leases to deposits | 56.4162% | 3,444 |
| Net loans and leases to core deposits | 63.4178% | 3,162 |
| Total domestic deposits to total assets | 86.2100% | 3,018 |
| Equity capital to assets | 8.8192% | 2,338 |
| Core capital (leverage) ratio | 13.6498% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $157,676,250 | 3,391 |
| Average earning assets | $149,361,250 | 3,352 |
| Average equity | $16,144,500 | 3,298 |
| Average total loans | $73,079,000 | 3,533 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8585% | 3,876 |
| Cost of funding earning assets | 0.3269% | 1,466 |
| Net interest margin | 2.5316% | 4,032 |
| Noninterest income to average assets | 0.5341% | 2,022 |
| Noninterest expense to average assets | 2.0834% | 3,197 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8248% | 2,865 |
| Return on assets (ROA) | 0.8284% | 2,832 |
| Pretax return on assets | 0.8581% | 3,179 |
| Return on Equity (ROE) | 7.7678% | 3,086 |
| Retained earnings to average equity (ytd only) | 5.1013% | 2,672 |
| Net charge-offs to loans | -0.0980% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9175% | 1,837 |
| Assets per employee ($millions) | 6.3614% | 2,428 |
| Cash dividends to net income (ytd only)* | 34.3284% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 1,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 47.8831% | 3,564 |
| Net loans and leases to deposits | 55.5496% | 3,417 |
| Net loans and leases to core deposits | 62.0544% | 3,113 |
| Total domestic deposits to total assets | 86.1987% | 3,198 |
| Equity capital to assets | 9.9205% | 1,754 |
| Core capital (leverage) ratio | 13.1121% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,757,667 | 3,394 |
| Average earning assets | $153,578,667 | 3,361 |
| Average equity | $17,250,667 | 3,298 |
| Average total loans | $73,468,667 | 3,561 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7014% | 3,947 |
| Cost of funding earning assets | 0.3080% | 1,573 |
| Net interest margin | 2.3934% | 4,084 |
| Noninterest income to average assets | 0.3319% | 3,110 |
| Noninterest expense to average assets | 2.0253% | 3,372 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5798% | 3,470 |
| Return on assets (ROA) | 0.5965% | 3,388 |
| Pretax return on assets | 0.6037% | 3,622 |
| Return on Equity (ROE) | 5.4199% | 3,504 |
| Retained earnings to average equity (ytd only) | 3.0159% | 3,255 |
| Net charge-offs to loans | -0.0876% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5322% | 1,354 |
| Assets per employee ($millions) | 7.0282% | 1,973 |
| Cash dividends to net income (ytd only)* | 44.3548% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 1,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 43.1110% | 3,810 |
| Net loans and leases to deposits | 50.6266% | 3,680 |
| Net loans and leases to core deposits | 56.3618% | 3,415 |
| Total domestic deposits to total assets | 85.1548% | 3,506 |
| Equity capital to assets | 10.2439% | 1,726 |
| Core capital (leverage) ratio | 12.1748% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,299,500 | 3,376 |
| Average earning assets | $158,437,500 | 3,344 |
| Average equity | $18,303,000 | 3,298 |
| Average total loans | $73,068,500 | 3,570 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4198% | 2,883 |
| Cost of funding earning assets | 0.3208% | 2,188 |
| Net interest margin | 3.0990% | 2,904 |
| Noninterest income to average assets | 0.3593% | 3,285 |
| Noninterest expense to average assets | 2.3175% | 2,746 |
| Loan and lease loss provision to assets | 0.0038% | 3,000 |
| Net operating income to assets | 0.9228% | 2,965 |
| Return on assets (ROA) | 0.9532% | 2,930 |
| Pretax return on assets | 0.9899% | 3,286 |
| Return on Equity (ROE) | 7.3758% | 3,412 |
| Retained earnings to average equity (ytd only) | 2.9219% | 3,667 |
| Net charge-offs to loans | -0.0645% | 4,431 |
| Credit loss provision to net charge-offs | -12.2449% | 3,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6654% | 1,661 |
| Assets per employee ($millions) | 6.5750% | 2,268 |
| Cash dividends to net income (ytd only)* | 60.3849% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 1,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 43.3902% | 3,881 |
| Net loans and leases to deposits | 50.8996% | 3,817 |
| Net loans and leases to core deposits | 56.1089% | 3,607 |
| Total domestic deposits to total assets | 85.2466% | 3,190 |
| Equity capital to assets | 11.7268% | 1,378 |
| Core capital (leverage) ratio | 12.9512% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,100,400 | 3,411 |
| Average earning assets | $148,984,000 | 3,387 |
| Average equity | $20,431,600 | 3,179 |
| Average total loans | $75,918,800 | 3,542 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6528% | 2,410 |
| Cost of funding earning assets | 0.3422% | 2,186 |
| Net interest margin | 3.3106% | 2,390 |
| Noninterest income to average assets | 0.3280% | 3,469 |
| Noninterest expense to average assets | 2.3199% | 2,692 |
| Loan and lease loss provision to assets | 0.0052% | 2,872 |
| Net operating income to assets | 1.0685% | 2,657 |
| Return on assets (ROA) | 1.0958% | 2,627 |
| Pretax return on assets | 1.1371% | 3,113 |
| Return on Equity (ROE) | 8.2683% | 3,327 |
| Retained earnings to average equity (ytd only) | 5.1181% | 3,174 |
| Net charge-offs to loans | -0.0648% | 4,456 |
| Credit loss provision to net charge-offs | -16.2162% | 3,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5608% | 1,892 |
| Assets per employee ($millions) | 5.7644% | 2,928 |
| Cash dividends to net income (ytd only)* | 38.0990% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 1,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 48.7339% | 3,549 |
| Net loans and leases to deposits | 59.1503% | 3,317 |
| Net loans and leases to core deposits | 66.1516% | 2,938 |
| Total domestic deposits to total assets | 82.3900% | 3,848 |
| Equity capital to assets | 13.8682% | 764 |
| Core capital (leverage) ratio | 13.2825% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,887,750 | 3,474 |
| Average earning assets | $145,309,500 | 3,460 |
| Average equity | $20,527,750 | 3,207 |
| Average total loans | $76,072,500 | 3,594 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2774% | 3,489 |
| Cost of funding earning assets | 0.3492% | 2,324 |
| Net interest margin | 2.9283% | 3,508 |
| Noninterest income to average assets | 0.3321% | 3,437 |
| Noninterest expense to average assets | 2.2484% | 2,926 |
| Loan and lease loss provision to assets | 0.0077% | 2,761 |
| Net operating income to assets | 0.7940% | 3,529 |
| Return on assets (ROA) | 0.8163% | 3,531 |
| Pretax return on assets | 0.8419% | 3,787 |
| Return on Equity (ROE) | 6.2518% | 3,840 |
| Retained earnings to average equity (ytd only) | 3.6102% | 3,645 |
| Net charge-offs to loans | -0.0495% | 4,370 |
| Credit loss provision to net charge-offs | -31.5789% | 2,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1201% | 1,329 |
| Assets per employee ($millions) | 5.8575% | 2,753 |
| Cash dividends to net income (ytd only)* | 42.2535% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 1,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 50.8864% | 3,461 |
| Net loans and leases to deposits | 61.0059% | 3,301 |
| Net loans and leases to core deposits | 68.6866% | 2,896 |
| Total domestic deposits to total assets | 83.4123% | 3,603 |
| Equity capital to assets | 13.4089% | 841 |
| Core capital (leverage) ratio | 12.8603% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,558,667 | 3,463 |
| Average earning assets | $146,639,667 | 3,454 |
| Average equity | $20,442,000 | 3,211 |
| Average total loans | $76,711,000 | 3,610 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2846% | 3,488 |
| Cost of funding earning assets | 0.3784% | 2,279 |
| Net interest margin | 2.9062% | 3,498 |
| Noninterest income to average assets | 0.2798% | 3,725 |
| Noninterest expense to average assets | 2.1602% | 3,233 |
| Loan and lease loss provision to assets | 0.0202% | 2,521 |
| Net operating income to assets | 0.8065% | 3,404 |
| Return on assets (ROA) | 0.8041% | 3,482 |
| Pretax return on assets | 0.8268% | 3,764 |
| Return on Equity (ROE) | 6.2388% | 3,792 |
| Retained earnings to average equity (ytd only) | 3.7942% | 3,563 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7755% | 1,519 |
| Assets per employee ($millions) | 5.8680% | 2,729 |
| Cash dividends to net income (ytd only)* | 39.1850% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 1,995 |
| Loan loss allowance to noncurrent loans | 21,620.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,383 |
| Noncurrent loans to loans | 0.0064% | 4,296 |
| Net loans and leases to total assets | 50.1727% | 3,608 |
| Net loans and leases to deposits | 61.3908% | 3,377 |
| Net loans and leases to core deposits | 69.2495% | 2,939 |
| Total domestic deposits to total assets | 81.7267% | 3,950 |
| Equity capital to assets | 13.2840% | 842 |
| Core capital (leverage) ratio | 12.4420% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,691,000 | 3,450 |
| Average earning assets | $149,058,500 | 3,427 |
| Average equity | $20,452,500 | 3,206 |
| Average total loans | $75,768,500 | 3,638 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 3,011 |
| Cost of funding earning assets | 0.6567% | 1,950 |
| Net interest margin | 3.2478% | 3,220 |
| Noninterest income to average assets | 0.2910% | 3,742 |
| Noninterest expense to average assets | 2.4544% | 2,979 |
| Loan and lease loss provision to assets | 0.0513% | 3,737 |
| Net operating income to assets | 0.8081% | 3,060 |
| Return on assets (ROA) | 0.8298% | 3,108 |
| Pretax return on assets | 0.8620% | 3,468 |
| Return on Equity (ROE) | 5.9482% | 3,601 |
| Retained earnings to average equity (ytd only) | 2.5128% | 3,595 |
| Net charge-offs to loans | -0.0124% | 4,313 |
| Credit loss provision to net charge-offs | -750.0000% | 4,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3729% | 1,524 |
| Assets per employee ($millions) | 6.1043% | 2,249 |
| Cash dividends to net income (ytd only)* | 57.7558% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4531% | 1,762 |
| Loan loss allowance to noncurrent loans | 6,317.6471% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,380 |
| Noncurrent loans to loans | 0.0230% | 4,239 |
| Net loans and leases to total assets | 44.1920% | 4,235 |
| Net loans and leases to deposits | 52.5949% | 4,191 |
| Net loans and leases to core deposits | 59.6685% | 3,967 |
| Total domestic deposits to total assets | 84.0233% | 3,101 |
| Equity capital to assets | 12.5219% | 1,314 |
| Core capital (leverage) ratio | 13.0414% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,061,600 | 3,443 |
| Average earning assets | $137,353,600 | 3,416 |
| Average equity | $20,376,000 | 3,153 |
| Average total loans | $80,713,400 | 3,540 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1482% | 2,527 |
| Cost of funding earning assets | 0.7511% | 1,739 |
| Net interest margin | 3.3971% | 2,933 |
| Noninterest income to average assets | 0.3009% | 3,681 |
| Noninterest expense to average assets | 2.5011% | 2,845 |
| Loan and lease loss provision to assets | 0.0707% | 3,441 |
| Net operating income to assets | 0.8832% | 2,762 |
| Return on assets (ROA) | 0.8931% | 2,848 |
| Pretax return on assets | 0.9299% | 3,295 |
| Return on Equity (ROE) | 6.2167% | 3,473 |
| Retained earnings to average equity (ytd only) | 3.0985% | 3,479 |
| Net charge-offs to loans | -0.0162% | 4,359 |
| Credit loss provision to net charge-offs | -750.0000% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6370% | 1,684 |
| Assets per employee ($millions) | 5.2417% | 2,963 |
| Cash dividends to net income (ytd only)* | 50.1584% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 1,907 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 4,374 |
| Noncurrent loans to loans | 0.0368% | 4,242 |
| Net loans and leases to total assets | 54.8715% | 3,723 |
| Net loans and leases to deposits | 68.0137% | 3,462 |
| Net loans and leases to core deposits | 79.3781% | 2,897 |
| Total domestic deposits to total assets | 80.6772% | 3,732 |
| Equity capital to assets | 14.5788% | 712 |
| Core capital (leverage) ratio | 13.4882% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,373,250 | 3,482 |
| Average earning assets | $132,777,750 | 3,463 |
| Average equity | $20,310,500 | 3,149 |
| Average total loans | $82,414,500 | 3,533 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 2,548 |
| Cost of funding earning assets | 0.8318% | 1,669 |
| Net interest margin | 3.4374% | 2,980 |
| Noninterest income to average assets | 0.3198% | 3,550 |
| Noninterest expense to average assets | 2.4794% | 3,022 |
| Loan and lease loss provision to assets | 0.0708% | 3,413 |
| Net operating income to assets | 0.9584% | 2,464 |
| Return on assets (ROA) | 0.9652% | 2,572 |
| Pretax return on assets | 1.0048% | 3,012 |
| Return on Equity (ROE) | 6.7515% | 3,228 |
| Retained earnings to average equity (ytd only) | 3.7816% | 3,021 |
| Net charge-offs to loans | -0.0215% | 4,428 |
| Credit loss provision to net charge-offs | -555.5556% | 3,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8843% | 1,972 |
| Assets per employee ($millions) | 5.4305% | 2,709 |
| Cash dividends to net income (ytd only)* | 43.9883% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,181 |
| Loan loss allowance to noncurrent loans | 2,227.6596% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 4,385 |
| Noncurrent loans to loans | 0.0568% | 4,248 |
| Net loans and leases to total assets | 57.9151% | 3,521 |
| Net loans and leases to deposits | 71.8243% | 3,275 |
| Net loans and leases to core deposits | 88.4375% | 2,204 |
| Total domestic deposits to total assets | 80.6343% | 3,696 |
| Equity capital to assets | 14.6218% | 705 |
| Core capital (leverage) ratio | 13.6991% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,322,000 | 3,470 |
| Average earning assets | $132,718,000 | 3,436 |
| Average equity | $20,203,000 | 3,155 |
| Average total loans | $83,642,333 | 3,524 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 2,655 |
| Cost of funding earning assets | 0.9286% | 1,745 |
| Net interest margin | 3.4612% | 3,115 |
| Noninterest income to average assets | 0.3763% | 3,260 |
| Noninterest expense to average assets | 2.4557% | 3,404 |
| Loan and lease loss provision to assets | 0.0707% | 2,855 |
| Net operating income to assets | 1.0607% | 1,967 |
| Return on assets (ROA) | 1.0524% | 2,094 |
| Pretax return on assets | 1.0892% | 2,558 |
| Return on Equity (ROE) | 7.4467% | 2,763 |
| Retained earnings to average equity (ytd only) | 4.4440% | 2,512 |
| Net charge-offs to loans | -0.0286% | 4,458 |
| Credit loss provision to net charge-offs | -416.6667% | 3,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7596% | 2,716 |
| Assets per employee ($millions) | 5.4388% | 2,185 |
| Cash dividends to net income (ytd only)* | 40.3226% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,597 |
| Loan loss allowance to noncurrent loans | 1,727.1186% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 4,305 |
| Noncurrent loans to loans | 0.0702% | 4,246 |
| Net loans and leases to total assets | 58.7098% | 3,616 |
| Net loans and leases to deposits | 74.1299% | 3,261 |
| Net loans and leases to core deposits | 95.7754% | 1,813 |
| Total domestic deposits to total assets | 79.1986% | 4,011 |
| Equity capital to assets | 14.3605% | 940 |
| Core capital (leverage) ratio | 13.5832% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,386,500 | 3,444 |
| Average earning assets | $132,671,000 | 3,413 |
| Average equity | $19,982,000 | 3,174 |
| Average total loans | $84,054,000 | 3,513 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5277% | 2,850 |
| Cost of funding earning assets | 1.0046% | 1,707 |
| Net interest margin | 3.5231% | 3,369 |
| Noninterest income to average assets | 0.2907% | 3,952 |
| Noninterest expense to average assets | 2.5843% | 3,224 |
| Loan and lease loss provision to assets | 0.1483% | 1,443 |
| Net operating income to assets | 0.8276% | 3,462 |
| Return on assets (ROA) | 1.1672% | 2,284 |
| Pretax return on assets | 1.2147% | 2,786 |
| Return on Equity (ROE) | 8.1328% | 3,108 |
| Retained earnings to average equity (ytd only) | 2.7075% | 3,682 |
| Net charge-offs to loans | 0.1913% | 1,061 |
| Credit loss provision to net charge-offs | 127.3885% | 2,000 |
| Earnings coverage of net charge-offs (x) | 8.6688% | 2,744 |
| Efficiency ratio | 71.9150% | 1,881 |
| Assets per employee ($millions) | 5.4371% | 2,116 |
| Cash dividends to net income (ytd only)* | 66.7090% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 2,570 |
| Loan loss allowance to noncurrent loans | 1,391.5493% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 4,294 |
| Noncurrent loans to loans | 0.0845% | 4,181 |
| Net loans and leases to total assets | 58.7703% | 3,693 |
| Net loans and leases to deposits | 72.4899% | 3,476 |
| Net loans and leases to core deposits | 91.9525% | 2,236 |
| Total domestic deposits to total assets | 81.0737% | 3,751 |
| Equity capital to assets | 13.9052% | 1,134 |
| Core capital (leverage) ratio | 14.0950% | 906 |
| Tier 1 risk-based capital ratio | 17.9995% | 1,761 |
| Total risk-based capital ratio | 18.9400% | 1,794 |
| Memoranda: | ||
| Average total assets | $134,852,200 | 3,508 |
| Average earning assets | $126,421,400 | 3,476 |
| Average equity | $19,353,800 | 3,185 |
| Average total loans | $82,091,200 | 3,562 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5728% | 2,820 |
| Cost of funding earning assets | 1.0288% | 1,633 |
| Net interest margin | 3.5439% | 3,425 |
| Noninterest income to average assets | 0.2992% | 3,948 |
| Noninterest expense to average assets | 2.5540% | 3,289 |
| Loan and lease loss provision to assets | 0.1001% | 1,918 |
| Net operating income to assets | 0.9425% | 3,194 |
| Return on assets (ROA) | 1.3931% | 1,559 |
| Pretax return on assets | 1.4481% | 2,124 |
| Return on Equity (ROE) | 9.6273% | 2,610 |
| Retained earnings to average equity (ytd only) | 5.4776% | 2,635 |
| Net charge-offs to loans | 0.2598% | 673 |
| Credit loss provision to net charge-offs | 62.8931% | 2,684 |
| Earnings coverage of net charge-offs (x) | 6.7800% | 2,803 |
| Efficiency ratio | 70.3030% | 2,072 |
| Assets per employee ($millions) | 5.1695% | 2,374 |
| Cash dividends to net income (ytd only)* | 43.1035% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 3,251 |
| Loan loss allowance to noncurrent loans | 637.4101% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 4,190 |
| Noncurrent loans to loans | 0.1655% | 3,947 |
| Net loans and leases to total assets | 61.8127% | 3,509 |
| Net loans and leases to deposits | 80.3785% | 2,861 |
| Net loans and leases to core deposits | 102.8281% | 1,432 |
| Total domestic deposits to total assets | 76.9021% | 4,526 |
| Equity capital to assets | 14.8319% | 895 |
| Core capital (leverage) ratio | 14.4140% | 876 |
| Tier 1 risk-based capital ratio | 18.7567% | 1,622 |
| Total risk-based capital ratio | 19.6234% | 1,687 |
| Memoranda: | ||
| Average total assets | $133,224,250 | 3,558 |
| Average earning assets | $125,318,500 | 3,524 |
| Average equity | $19,278,000 | 3,217 |
| Average total loans | $81,597,000 | 3,610 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5250% | 2,936 |
| Cost of funding earning assets | 0.9809% | 1,787 |
| Net interest margin | 3.5441% | 3,452 |
| Noninterest income to average assets | 0.3087% | 3,863 |
| Noninterest expense to average assets | 2.5521% | 3,326 |
| Loan and lease loss provision to assets | 0.0301% | 3,215 |
| Net operating income to assets | 1.0308% | 2,801 |
| Return on assets (ROA) | 1.6668% | 810 |
| Pretax return on assets | 1.7345% | 1,203 |
| Return on Equity (ROE) | 11.6166% | 1,733 |
| Retained earnings to average equity (ytd only) | 7.9438% | 1,423 |
| Net charge-offs to loans | 0.0223% | 2,404 |
| Credit loss provision to net charge-offs | 222.2222% | 1,122 |
| Earnings coverage of net charge-offs (x) | 81.3333% | 807 |
| Efficiency ratio | 69.8393% | 2,249 |
| Assets per employee ($millions) | 5.1831% | 2,272 |
| Cash dividends to net income (ytd only)* | 31.6170% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 2,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 61.1906% | 3,631 |
| Net loans and leases to deposits | 81.8017% | 2,750 |
| Net loans and leases to core deposits | 99.8317% | 1,737 |
| Total domestic deposits to total assets | 74.8035% | 4,780 |
| Equity capital to assets | 14.6756% | 901 |
| Core capital (leverage) ratio | 14.4784% | 827 |
| Tier 1 risk-based capital ratio | 18.9978% | 1,559 |
| Total risk-based capital ratio | 19.9468% | 1,586 |
| Memoranda: | ||
| Average total assets | $132,830,330 | 3,585 |
| Average earning assets | $125,393,000 | 3,542 |
| Average equity | $19,059,000 | 3,241 |
| Average total loans | $80,807,330 | 3,646 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4718% | 2,967 |
| Cost of funding earning assets | 0.9309% | 1,883 |
| Net interest margin | 3.5408% | 3,457 |
| Noninterest income to average assets | 0.3033% | 3,851 |
| Noninterest expense to average assets | 2.5541% | 3,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0588% | 2,627 |
| Return on assets (ROA) | 2.3721% | 215 |
| Pretax return on assets | 2.4631% | 265 |
| Return on Equity (ROE) | 16.7273% | 500 |
| Retained earnings to average equity (ytd only) | 13.5187% | 402 |
| Net charge-offs to loans | 0.0151% | 2,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 120.3333% | 589 |
| Efficiency ratio | 69.9917% | 2,345 |
| Assets per employee ($millions) | 5.2573% | 2,218 |
| Cash dividends to net income (ytd only)* | 19.1816% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 2,766 |
| Loan loss allowance to noncurrent loans | 13,457.1429% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 4,856 |
| Noncurrent loans to loans | 0.0087% | 4,753 |
| Net loans and leases to total assets | 60.8211% | 3,624 |
| Net loans and leases to deposits | 76.3782% | 3,226 |
| Net loans and leases to core deposits | 92.1806% | 2,283 |
| Total domestic deposits to total assets | 79.6314% | 4,233 |
| Equity capital to assets | 14.6348% | 841 |
| Core capital (leverage) ratio | 14.6026% | 787 |
| Tier 1 risk-based capital ratio | 19.0094% | 1,543 |
| Total risk-based capital ratio | 19.9508% | 1,570 |
| Memoranda: | ||
| Average total assets | $131,865,000 | 3,636 |
| Average earning assets | $124,604,000 | 3,590 |
| Average equity | $18,700,000 | 3,291 |
| Average total loans | $79,502,500 | 3,704 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 3,606 |
| Cost of funding earning assets | 0.7619% | 1,729 |
| Net interest margin | 3.3812% | 4,049 |
| Noninterest income to average assets | 0.3206% | 3,959 |
| Noninterest expense to average assets | 2.5670% | 3,421 |
| Loan and lease loss provision to assets | -0.0309% | 5,154 |
| Net operating income to assets | 0.9587% | 3,184 |
| Return on assets (ROA) | 0.9587% | 3,185 |
| Pretax return on assets | 0.9795% | 3,677 |
| Return on Equity (ROE) | 6.9398% | 3,846 |
| Retained earnings to average equity (ytd only) | 3.1092% | 3,837 |
| Net charge-offs to loans | -0.1037% | 5,157 |
| Credit loss provision to net charge-offs | 50.6329% | 3,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0169% | 1,758 |
| Assets per employee ($millions) | 5.2919% | 2,153 |
| Cash dividends to net income (ytd only)* | 55.1974% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 2,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 58.3377% | 3,928 |
| Net loans and leases to deposits | 71.5581% | 3,708 |
| Net loans and leases to core deposits | 87.6984% | 2,774 |
| Total domestic deposits to total assets | 81.5249% | 3,782 |
| Equity capital to assets | 13.7305% | 1,054 |
| Core capital (leverage) ratio | 14.4762% | 807 |
| Tier 1 risk-based capital ratio | 19.0515% | 1,511 |
| Total risk-based capital ratio | 20.0309% | 1,518 |
| Memoranda: | ||
| Average total assets | $129,449,000 | 3,654 |
| Average earning assets | $122,324,200 | 3,612 |
| Average equity | $17,882,400 | 3,303 |
| Average total loans | $76,195,000 | 3,747 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 3,646 |
| Cost of funding earning assets | 0.7372% | 1,638 |
| Net interest margin | 3.3585% | 4,140 |
| Noninterest income to average assets | 0.3242% | 3,978 |
| Noninterest expense to average assets | 2.5353% | 3,489 |
| Loan and lease loss provision to assets | -0.0414% | 5,277 |
| Net operating income to assets | 0.9880% | 3,139 |
| Return on assets (ROA) | 0.9880% | 3,148 |
| Pretax return on assets | 1.0056% | 3,703 |
| Return on Equity (ROE) | 7.1412% | 3,884 |
| Retained earnings to average equity (ytd only) | 3.6978% | 3,923 |
| Net charge-offs to loans | -0.1356% | 5,224 |
| Credit loss provision to net charge-offs | 51.9481% | 2,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4475% | 1,816 |
| Assets per employee ($millions) | 5.0829% | 2,361 |
| Cash dividends to net income (ytd only)* | 48.2181% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 60.6947% | 3,777 |
| Net loans and leases to deposits | 76.8945% | 3,337 |
| Net loans and leases to core deposits | 96.2391% | 2,093 |
| Total domestic deposits to total assets | 78.9324% | 4,325 |
| Equity capital to assets | 14.0023% | 959 |
| Core capital (leverage) ratio | 14.3075% | 861 |
| Tier 1 risk-based capital ratio | 19.2350% | 1,489 |
| Total risk-based capital ratio | 20.2240% | 1,510 |
| Memoranda: | ||
| Average total assets | $128,737,000 | 3,699 |
| Average earning assets | $121,718,500 | 3,651 |
| Average equity | $17,811,750 | 3,339 |
| Average total loans | $75,712,750 | 3,793 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 3,902 |
| Cost of funding earning assets | 0.6811% | 1,732 |
| Net interest margin | 3.2779% | 4,316 |
| Noninterest income to average assets | 0.3233% | 4,026 |
| Noninterest expense to average assets | 2.5183% | 3,585 |
| Loan and lease loss provision to assets | 0.0155% | 3,571 |
| Net operating income to assets | 0.8864% | 3,518 |
| Return on assets (ROA) | 0.8864% | 3,521 |
| Pretax return on assets | 0.8864% | 4,001 |
| Return on Equity (ROE) | 6.4317% | 4,086 |
| Retained earnings to average equity (ytd only) | 3.2327% | 3,953 |
| Net charge-offs to loans | -0.0187% | 4,540 |
| Credit loss provision to net charge-offs | -142.8571% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6318% | 1,767 |
| Assets per employee ($millions) | 5.0026% | 2,415 |
| Cash dividends to net income (ytd only)* | 49.7382% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 57.9375% | 3,996 |
| Net loans and leases to deposits | 73.7264% | 3,567 |
| Net loans and leases to core deposits | 84.1715% | 3,068 |
| Total domestic deposits to total assets | 78.5846% | 4,494 |
| Equity capital to assets | 14.2087% | 878 |
| Core capital (leverage) ratio | 14.5281% | 775 |
| Tier 1 risk-based capital ratio | 19.6138% | 1,399 |
| Total risk-based capital ratio | 20.6505% | 1,415 |
| Memoranda: | ||
| Average total assets | $129,292,000 | 3,714 |
| Average earning assets | $122,152,000 | 3,666 |
| Average equity | $17,818,000 | 3,353 |
| Average total loans | $74,927,670 | 3,833 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 3,901 |
| Cost of funding earning assets | 0.6652% | 1,627 |
| Net interest margin | 3.2453% | 4,324 |
| Noninterest income to average assets | 0.2800% | 4,299 |
| Noninterest expense to average assets | 2.4687% | 3,744 |
| Loan and lease loss provision to assets | 0.0152% | 3,332 |
| Net operating income to assets | 0.8949% | 3,318 |
| Return on assets (ROA) | 0.8949% | 3,325 |
| Pretax return on assets | 0.8554% | 3,995 |
| Return on Equity (ROE) | 6.5912% | 3,949 |
| Retained earnings to average equity (ytd only) | 3.5646% | 3,778 |
| Net charge-offs to loans | -0.0053% | 4,030 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9289% | 1,907 |
| Assets per employee ($millions) | 5.1856% | 2,267 |
| Cash dividends to net income (ytd only)* | 45.9184% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 2,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.0716% | 3,933 |
| Net loans and leases to deposits | 75.8735% | 3,225 |
| Net loans and leases to core deposits | 85.9828% | 2,805 |
| Total domestic deposits to total assets | 76.5373% | 4,915 |
| Equity capital to assets | 13.6493% | 995 |
| Core capital (leverage) ratio | 13.8858% | 898 |
| Tier 1 risk-based capital ratio | 18.7779% | 1,611 |
| Total risk-based capital ratio | 19.7592% | 1,652 |
| Memoranda: | ||
| Average total assets | $131,406,000 | 3,727 |
| Average earning assets | $123,870,500 | 3,685 |
| Average equity | $17,842,000 | 3,377 |
| Average total loans | $75,701,000 | 3,843 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 3,913 |
| Cost of funding earning assets | 0.5457% | 1,985 |
| Net interest margin | 3.2946% | 4,177 |
| Noninterest income to average assets | 0.3185% | 4,182 |
| Noninterest expense to average assets | 2.5587% | 3,582 |
| Loan and lease loss provision to assets | 0.0231% | 3,835 |
| Net operating income to assets | 0.8537% | 2,939 |
| Return on assets (ROA) | 0.8552% | 2,955 |
| Pretax return on assets | 0.8575% | 4,057 |
| Return on Equity (ROE) | 6.1739% | 3,688 |
| Retained earnings to average equity (ytd only) | 2.5553% | 3,795 |
| Net charge-offs to loans | -0.0122% | 4,840 |
| Credit loss provision to net charge-offs | -333.3333% | 4,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4280% | 1,841 |
| Assets per employee ($millions) | 5.3269% | 2,124 |
| Cash dividends to net income (ytd only)* | 58.6114% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 2,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.7933% | 4,209 |
| Net loans and leases to deposits | 69.1835% | 3,935 |
| Net loans and leases to core deposits | 77.1662% | 3,657 |
| Total domestic deposits to total assets | 80.6453% | 4,209 |
| Equity capital to assets | 13.5081% | 1,058 |
| Core capital (leverage) ratio | 14.1545% | 803 |
| Tier 1 risk-based capital ratio | 19.1297% | 1,482 |
| Total risk-based capital ratio | 20.1019% | 1,510 |
| Memoranda: | ||
| Average total assets | $129,674,600 | 3,751 |
| Average earning assets | $122,777,400 | 3,700 |
| Average equity | $17,962,800 | 3,368 |
| Average total loans | $73,999,400 | 3,870 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 3,763 |
| Cost of funding earning assets | 0.5327% | 2,013 |
| Net interest margin | 3.3394% | 4,045 |
| Noninterest income to average assets | 0.3002% | 4,380 |
| Noninterest expense to average assets | 2.5579% | 3,544 |
| Loan and lease loss provision to assets | 0.0238% | 3,670 |
| Net operating income to assets | 0.8923% | 3,068 |
| Return on assets (ROA) | 0.8954% | 3,104 |
| Pretax return on assets | 0.8882% | 4,079 |
| Return on Equity (ROE) | 6.4228% | 3,941 |
| Retained earnings to average equity (ytd only) | 3.0815% | 4,074 |
| Net charge-offs to loans | -0.0127% | 4,707 |
| Credit loss provision to net charge-offs | -328.5714% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7832% | 1,930 |
| Assets per employee ($millions) | 4.9692% | 2,491 |
| Cash dividends to net income (ytd only)* | 52.0238% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 57.5489% | 4,105 |
| Net loans and leases to deposits | 75.6788% | 3,405 |
| Net loans and leases to core deposits | 84.6752% | 3,075 |
| Total domestic deposits to total assets | 76.0436% | 5,012 |
| Equity capital to assets | 14.7597% | 793 |
| Core capital (leverage) ratio | 14.1868% | 843 |
| Tier 1 risk-based capital ratio | 19.8913% | 1,381 |
| Total risk-based capital ratio | 20.8936% | 1,412 |
| Memoranda: | ||
| Average total assets | $128,800,250 | 3,808 |
| Average earning assets | $122,132,750 | 3,750 |
| Average equity | $17,956,250 | 3,397 |
| Average total loans | $73,697,500 | 3,914 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8422% | 3,754 |
| Cost of funding earning assets | 0.5068% | 2,118 |
| Net interest margin | 3.3354% | 3,997 |
| Noninterest income to average assets | 0.2900% | 4,482 |
| Noninterest expense to average assets | 2.4923% | 3,776 |
| Loan and lease loss provision to assets | 0.0230% | 3,531 |
| Net operating income to assets | 0.9423% | 2,706 |
| Return on assets (ROA) | 0.9469% | 2,737 |
| Pretax return on assets | 0.9407% | 3,794 |
| Return on Equity (ROE) | 6.9210% | 3,595 |
| Retained earnings to average equity (ytd only) | 3.5559% | 3,591 |
| Net charge-offs to loans | -0.0216% | 4,804 |
| Credit loss provision to net charge-offs | -187.5000% | 4,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2099% | 2,299 |
| Assets per employee ($millions) | 5.1587% | 2,204 |
| Cash dividends to net income (ytd only)* | 48.6224% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 3,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 57.8694% | 4,051 |
| Net loans and leases to deposits | 74.1378% | 3,532 |
| Net loans and leases to core deposits | 81.8075% | 3,271 |
| Total domestic deposits to total assets | 78.0566% | 4,806 |
| Equity capital to assets | 14.1965% | 902 |
| Core capital (leverage) ratio | 13.7512% | 924 |
| Tier 1 risk-based capital ratio | 19.1361% | 1,567 |
| Total risk-based capital ratio | 20.0980% | 1,580 |
| Memoranda: | ||
| Average total assets | $130,323,670 | 3,800 |
| Average earning assets | $123,523,000 | 3,744 |
| Average equity | $17,829,670 | 3,423 |
| Average total loans | $74,133,670 | 3,919 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 3,433 |
| Cost of funding earning assets | 0.5080% | 2,016 |
| Net interest margin | 3.3811% | 3,709 |
| Noninterest income to average assets | 0.2656% | 4,642 |
| Noninterest expense to average assets | 2.5801% | 3,560 |
| Loan and lease loss provision to assets | 0.0244% | 3,259 |
| Net operating income to assets | 0.9099% | 2,710 |
| Return on assets (ROA) | 0.9099% | 2,766 |
| Pretax return on assets | 0.8519% | 3,934 |
| Return on Equity (ROE) | 6.7766% | 3,508 |
| Retained earnings to average equity (ytd only) | 3.3655% | 3,755 |
| Net charge-offs to loans | -0.0054% | 4,213 |
| Credit loss provision to net charge-offs | -800.0000% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6466% | 2,114 |
| Assets per employee ($millions) | 5.2053% | 2,179 |
| Cash dividends to net income (ytd only)* | 50.3356% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 3,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 55.8786% | 4,189 |
| Net loans and leases to deposits | 69.1374% | 3,881 |
| Net loans and leases to core deposits | 75.4707% | 3,700 |
| Total domestic deposits to total assets | 80.8225% | 4,456 |
| Equity capital to assets | 13.6592% | 1,015 |
| Core capital (leverage) ratio | 13.4081% | 1,001 |
| Tier 1 risk-based capital ratio | 18.9645% | 1,624 |
| Total risk-based capital ratio | 19.9109% | 1,655 |
| Memoranda: | ||
| Average total assets | $131,001,500 | 3,825 |
| Average earning assets | $123,628,000 | 3,784 |
| Average equity | $17,590,000 | 3,470 |
| Average total loans | $73,439,500 | 3,961 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6764% | 4,292 |
| Cost of funding earning assets | 0.4361% | 2,645 |
| Net interest margin | 3.2404% | 4,328 |
| Noninterest income to average assets | 0.3123% | 4,502 |
| Noninterest expense to average assets | 2.5072% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8460% | 3,080 |
| Return on assets (ROA) | 0.9563% | 2,658 |
| Pretax return on assets | 0.9918% | 3,504 |
| Return on Equity (ROE) | 6.9385% | 3,502 |
| Retained earnings to average equity (ytd only) | 3.0216% | 3,750 |
| Net charge-offs to loans | -0.0130% | 5,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0884% | 2,278 |
| Assets per employee ($millions) | 5.2748% | 2,091 |
| Cash dividends to net income (ytd only)* | 56.4516% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 3,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 54.9188% | 4,355 |
| Net loans and leases to deposits | 72.1019% | 3,702 |
| Net loans and leases to core deposits | 77.0119% | 3,657 |
| Total domestic deposits to total assets | 76.1684% | 5,227 |
| Equity capital to assets | 13.1985% | 1,175 |
| Core capital (leverage) ratio | 13.7560% | 882 |
| Tier 1 risk-based capital ratio | 19.4423% | 1,495 |
| Total risk-based capital ratio | 20.4106% | 1,519 |
| Memoranda: | ||
| Average total assets | $129,665,000 | 3,835 |
| Average earning assets | $122,918,000 | 3,772 |
| Average equity | $17,871,200 | 3,424 |
| Average total loans | $68,972,200 | 4,068 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6814% | 4,314 |
| Cost of funding earning assets | 0.4325% | 2,708 |
| Net interest margin | 3.2490% | 4,347 |
| Noninterest income to average assets | 0.3170% | 4,503 |
| Noninterest expense to average assets | 2.4773% | 4,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8891% | 2,961 |
| Return on assets (ROA) | 1.0368% | 2,379 |
| Pretax return on assets | 1.0812% | 3,310 |
| Return on Equity (ROE) | 7.4419% | 3,327 |
| Retained earnings to average equity (ytd only) | 3.6617% | 3,699 |
| Net charge-offs to loans | -0.0137% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7631% | 2,466 |
| Assets per employee ($millions) | 5.0075% | 2,361 |
| Cash dividends to net income (ytd only)* | 50.7967% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 54.6726% | 4,432 |
| Net loans and leases to deposits | 72.7854% | 3,727 |
| Net loans and leases to core deposits | 78.0039% | 3,664 |
| Total domestic deposits to total assets | 75.1148% | 5,327 |
| Equity capital to assets | 14.7052% | 814 |
| Core capital (leverage) ratio | 13.8376% | 899 |
| Tier 1 risk-based capital ratio | 19.9988% | 1,446 |
| Total risk-based capital ratio | 20.9957% | 1,460 |
| Memoranda: | ||
| Average total assets | $129,113,500 | 3,869 |
| Average earning assets | $122,702,750 | 3,802 |
| Average equity | $17,987,750 | 3,437 |
| Average total loans | $67,893,250 | 4,124 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 4,614 |
| Cost of funding earning assets | 0.4240% | 2,793 |
| Net interest margin | 3.1677% | 4,647 |
| Noninterest income to average assets | 0.3021% | 4,629 |
| Noninterest expense to average assets | 2.4566% | 4,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8245% | 3,196 |
| Return on assets (ROA) | 1.0320% | 2,380 |
| Pretax return on assets | 1.0750% | 3,305 |
| Return on Equity (ROE) | 7.5417% | 3,237 |
| Retained earnings to average equity (ytd only) | 3.8997% | 3,414 |
| Net charge-offs to loans | -0.0237% | 5,021 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0981% | 2,342 |
| Assets per employee ($millions) | 4.8179% | 2,536 |
| Cash dividends to net income (ytd only)* | 48.2912% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 2,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 53.0192% | 4,587 |
| Net loans and leases to deposits | 68.6474% | 4,117 |
| Net loans and leases to core deposits | 73.4176% | 4,044 |
| Total domestic deposits to total assets | 77.2340% | 5,127 |
| Equity capital to assets | 14.6552% | 826 |
| Core capital (leverage) ratio | 13.5684% | 957 |
| Tier 1 risk-based capital ratio | 20.0921% | 1,444 |
| Total risk-based capital ratio | 21.1035% | 1,453 |
| Memoranda: | ||
| Average total assets | $130,422,330 | 3,870 |
| Average earning assets | $124,065,000 | 3,798 |
| Average equity | $17,847,330 | 3,463 |
| Average total loans | $67,422,000 | 4,161 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5355% | 4,799 |
| Cost of funding earning assets | 0.4427% | 2,657 |
| Net interest margin | 3.0928% | 4,883 |
| Noninterest income to average assets | 0.2887% | 4,660 |
| Noninterest expense to average assets | 2.3910% | 4,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8100% | 3,189 |
| Return on assets (ROA) | 1.0346% | 2,266 |
| Pretax return on assets | 1.0707% | 3,202 |
| Return on Equity (ROE) | 7.8217% | 3,016 |
| Retained earnings to average equity (ytd only) | 3.8427% | 3,574 |
| Net charge-offs to loans | -0.0059% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0223% | 2,471 |
| Assets per employee ($millions) | 5.0707% | 2,267 |
| Cash dividends to net income (ytd only)* | 50.8721% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 3,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 50.8647% | 4,734 |
| Net loans and leases to deposits | 66.9499% | 4,162 |
| Net loans and leases to core deposits | 71.6565% | 4,090 |
| Total domestic deposits to total assets | 75.9743% | 5,411 |
| Equity capital to assets | 13.5818% | 1,143 |
| Core capital (leverage) ratio | 12.8698% | 1,212 |
| Tier 1 risk-based capital ratio | 19.2692% | 1,668 |
| Total risk-based capital ratio | 20.2419% | 1,700 |
| Memoranda: | ||
| Average total assets | $133,000,500 | 3,861 |
| Average earning assets | $126,487,000 | 3,776 |
| Average equity | $17,592,000 | 3,500 |
| Average total loans | $67,493,000 | 4,179 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4603% | 5,028 |
| Cost of funding earning assets | 0.3198% | 4,034 |
| Net interest margin | 3.1405% | 4,808 |
| Noninterest income to average assets | 0.3109% | 4,669 |
| Noninterest expense to average assets | 2.4961% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7590% | 3,531 |
| Return on assets (ROA) | 0.8532% | 3,168 |
| Pretax return on assets | 0.9057% | 3,819 |
| Return on Equity (ROE) | 6.2209% | 3,943 |
| Retained earnings to average equity (ytd only) | 2.7423% | 4,120 |
| Net charge-offs to loans | -0.0410% | 5,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6021% | 2,336 |
| Assets per employee ($millions) | 5.1601% | 2,169 |
| Cash dividends to net income (ytd only)* | 55.9180% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 3,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 49.3519% | 4,925 |
| Net loans and leases to deposits | 62.2955% | 4,612 |
| Net loans and leases to core deposits | 66.1769% | 4,578 |
| Total domestic deposits to total assets | 79.2223% | 4,922 |
| Equity capital to assets | 12.8784% | 1,415 |
| Core capital (leverage) ratio | 13.2934% | 1,045 |
| Tier 1 risk-based capital ratio | 19.4487% | 1,597 |
| Total risk-based capital ratio | 20.4392% | 1,615 |
| Memoranda: | ||
| Average total assets | $125,757,600 | 3,963 |
| Average earning assets | $119,759,000 | 3,890 |
| Average equity | $17,248,400 | 3,498 |
| Average total loans | $61,016,200 | 4,352 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4822% | 5,023 |
| Cost of funding earning assets | 0.3078% | 4,247 |
| Net interest margin | 3.1743% | 4,764 |
| Noninterest income to average assets | 0.3202% | 4,649 |
| Noninterest expense to average assets | 2.4875% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8037% | 3,414 |
| Return on assets (ROA) | 0.9122% | 2,989 |
| Pretax return on assets | 0.9726% | 3,729 |
| Return on Equity (ROE) | 6.5424% | 3,880 |
| Retained earnings to average equity (ytd only) | 3.4490% | 4,012 |
| Net charge-offs to loans | -0.0448% | 5,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3714% | 2,494 |
| Assets per employee ($millions) | 4.6955% | 2,714 |
| Cash dividends to net income (ytd only)* | 47.2814% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 2,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 47.2748% | 5,135 |
| Net loans and leases to deposits | 58.6308% | 4,945 |
| Net loans and leases to core deposits | 62.5745% | 4,896 |
| Total domestic deposits to total assets | 80.6314% | 4,570 |
| Equity capital to assets | 14.3147% | 910 |
| Core capital (leverage) ratio | 13.7179% | 937 |
| Tier 1 risk-based capital ratio | 21.2351% | 1,305 |
| Total risk-based capital ratio | 22.3120% | 1,311 |
| Memoranda: | ||
| Average total assets | $123,656,250 | 4,053 |
| Average earning assets | $117,816,750 | 3,965 |
| Average equity | $17,241,000 | 3,524 |
| Average total loans | $59,503,000 | 4,436 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4786% | 5,045 |
| Cost of funding earning assets | 0.2900% | 4,507 |
| Net interest margin | 3.1885% | 4,695 |
| Noninterest income to average assets | 0.3124% | 4,721 |
| Noninterest expense to average assets | 2.4400% | 4,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8324% | 3,206 |
| Return on assets (ROA) | 0.9438% | 2,786 |
| Pretax return on assets | 1.0404% | 3,416 |
| Return on Equity (ROE) | 6.8288% | 3,717 |
| Retained earnings to average equity (ytd only) | 3.6241% | 3,721 |
| Net charge-offs to loans | -0.0669% | 5,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6619% | 2,904 |
| Assets per employee ($millions) | 4.7290% | 2,635 |
| Cash dividends to net income (ytd only)* | 46.9283% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 2,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 46.6049% | 5,206 |
| Net loans and leases to deposits | 58.3789% | 4,964 |
| Net loans and leases to core deposits | 62.3971% | 4,913 |
| Total domestic deposits to total assets | 79.8316% | 4,905 |
| Equity capital to assets | 13.8880% | 1,018 |
| Core capital (leverage) ratio | 13.3097% | 1,045 |
| Tier 1 risk-based capital ratio | 21.1847% | 1,327 |
| Total risk-based capital ratio | 22.2677% | 1,328 |
| Memoranda: | ||
| Average total assets | $124,180,330 | 4,069 |
| Average earning assets | $118,612,330 | 3,977 |
| Average equity | $17,162,670 | 3,543 |
| Average total loans | $59,815,000 | 4,469 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4538% | 5,074 |
| Cost of funding earning assets | 0.2945% | 4,502 |
| Net interest margin | 3.1593% | 4,754 |
| Noninterest income to average assets | 0.2789% | 4,944 |
| Noninterest expense to average assets | 2.4264% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7537% | 3,516 |
| Return on assets (ROA) | 0.8943% | 2,897 |
| Pretax return on assets | 1.0417% | 3,331 |
| Return on Equity (ROE) | 6.4861% | 3,772 |
| Retained earnings to average equity (ytd only) | 2.9990% | 4,179 |
| Net charge-offs to loans | -0.0923% | 5,824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4239% | 2,917 |
| Assets per employee ($millions) | 4.8665% | 2,535 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 3,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 48.2846% | 5,003 |
| Net loans and leases to deposits | 57.8219% | 4,934 |
| Net loans and leases to core deposits | 62.0552% | 4,834 |
| Total domestic deposits to total assets | 83.5058% | 4,004 |
| Equity capital to assets | 13.7660% | 1,066 |
| Core capital (leverage) ratio | 13.2495% | 1,068 |
| Tier 1 risk-based capital ratio | 20.1349% | 1,587 |
| Total risk-based capital ratio | 21.1694% | 1,606 |
| Memoranda: | ||
| Average total assets | $124,793,000 | 4,087 |
| Average earning assets | $119,522,000 | 3,986 |
| Average equity | $17,206,000 | 3,565 |
| Average total loans | $60,645,000 | 4,478 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 5,337 |
| Cost of funding earning assets | 0.2901% | 4,891 |
| Net interest margin | 3.2006% | 4,916 |
| Noninterest income to average assets | 0.3719% | 4,413 |
| Noninterest expense to average assets | 2.5359% | 4,433 |
| Loan and lease loss provision to assets | -0.3291% | 6,385 |
| Net operating income to assets | 1.1421% | 1,807 |
| Return on assets (ROA) | 1.1742% | 1,736 |
| Pretax return on assets | 1.2309% | 2,524 |
| Return on Equity (ROE) | 8.7023% | 2,728 |
| Retained earnings to average equity (ytd only) | 5.3482% | 2,371 |
| Net charge-offs to loans | -0.6046% | 6,417 |
| Credit loss provision to net charge-offs | 115.6069% | 2,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4984% | 2,750 |
| Assets per employee ($millions) | 4.7330% | 2,681 |
| Cash dividends to net income (ytd only)* | 38.5424% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 2,943 |
| Loan loss allowance to noncurrent loans | 5,546.6667% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 6,016 |
| Noncurrent loans to loans | 0.0253% | 5,786 |
| Net loans and leases to total assets | 47.5536% | 5,195 |
| Net loans and leases to deposits | 56.8965% | 5,129 |
| Net loans and leases to core deposits | 60.5031% | 5,100 |
| Total domestic deposits to total assets | 83.5792% | 3,889 |
| Equity capital to assets | 13.8099% | 1,029 |
| Core capital (leverage) ratio | 13.3653% | 1,010 |
| Tier 1 risk-based capital ratio | 21.2588% | 1,348 |
| Total risk-based capital ratio | 22.3404% | 1,357 |
| Memoranda: | ||
| Average total assets | $121,532,800 | 4,150 |
| Average earning assets | $115,135,400 | 4,068 |
| Average equity | $16,398,000 | 3,619 |
| Average total loans | $57,232,600 | 4,577 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4861% | 5,427 |
| Cost of funding earning assets | 0.2898% | 4,990 |
| Net interest margin | 3.1962% | 4,976 |
| Noninterest income to average assets | 0.3918% | 4,311 |
| Noninterest expense to average assets | 2.5125% | 4,489 |
| Loan and lease loss provision to assets | -0.4402% | 6,519 |
| Net operating income to assets | 1.2789% | 1,441 |
| Return on assets (ROA) | 1.3217% | 1,369 |
| Pretax return on assets | 1.3866% | 2,059 |
| Return on Equity (ROE) | 9.8547% | 2,287 |
| Retained earnings to average equity (ytd only) | 7.3931% | 1,624 |
| Net charge-offs to loans | -0.8441% | 6,508 |
| Credit loss provision to net charge-offs | 111.4206% | 2,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5977% | 2,883 |
| Assets per employee ($millions) | 4.6929% | 2,684 |
| Cash dividends to net income (ytd only)* | 24.9792% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 2,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 46.6844% | 5,321 |
| Net loans and leases to deposits | 57.6008% | 5,129 |
| Net loans and leases to core deposits | 60.3315% | 5,166 |
| Total domestic deposits to total assets | 81.0482% | 4,810 |
| Equity capital to assets | 13.7606% | 1,087 |
| Core capital (leverage) ratio | 13.5879% | 968 |
| Tier 1 risk-based capital ratio | 21.5533% | 1,333 |
| Total risk-based capital ratio | 22.6652% | 1,338 |
| Memoranda: | ||
| Average total assets | $121,151,750 | 4,194 |
| Average earning assets | $114,548,500 | 4,118 |
| Average equity | $16,249,000 | 3,657 |
| Average total loans | $56,703,250 | 4,637 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 5,496 |
| Cost of funding earning assets | 0.2862% | 5,120 |
| Net interest margin | 3.1731% | 5,033 |
| Noninterest income to average assets | 0.3674% | 4,499 |
| Noninterest expense to average assets | 2.5897% | 4,274 |
| Loan and lease loss provision to assets | -0.6619% | 6,613 |
| Net operating income to assets | 1.3697% | 1,138 |
| Return on assets (ROA) | 1.4247% | 1,049 |
| Pretax return on assets | 1.5058% | 1,521 |
| Return on Equity (ROE) | 10.7165% | 1,839 |
| Retained earnings to average equity (ytd only) | 10.7165% | 581 |
| Net charge-offs to loans | -1.2710% | 6,588 |
| Credit loss provision to net charge-offs | 111.7318% | 1,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7157% | 2,503 |
| Assets per employee ($millions) | 4.6424% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 2,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 45.4197% | 5,423 |
| Net loans and leases to deposits | 55.8438% | 5,200 |
| Net loans and leases to core deposits | 58.7813% | 5,218 |
| Total domestic deposits to total assets | 81.3335% | 4,867 |
| Equity capital to assets | 13.9093% | 1,008 |
| Core capital (leverage) ratio | 13.6173% | 944 |
| Tier 1 risk-based capital ratio | 22.2816% | 1,217 |
| Total risk-based capital ratio | 23.4327% | 1,210 |
| Memoranda: | ||
| Average total assets | $120,864,000 | 4,217 |
| Average earning assets | $114,586,670 | 4,134 |
| Average equity | $16,068,670 | 3,679 |
| Average total loans | $56,335,330 | 4,676 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4866% | 5,459 |
| Cost of funding earning assets | 0.3001% | 5,064 |
| Net interest margin | 3.1864% | 4,964 |
| Noninterest income to average assets | 0.2943% | 5,019 |
| Noninterest expense to average assets | 2.6789% | 4,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5875% | 4,247 |
| Return on assets (ROA) | 0.6879% | 3,825 |
| Pretax return on assets | 0.7441% | 4,334 |
| Return on Equity (ROE) | 5.2965% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.2965% | 2,917 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8383% | 2,074 |
| Assets per employee ($millions) | 4.6751% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 2,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 45.6673% | 5,361 |
| Net loans and leases to deposits | 53.5475% | 5,323 |
| Net loans and leases to core deposits | 56.5114% | 5,321 |
| Total domestic deposits to total assets | 85.2838% | 3,727 |
| Equity capital to assets | 13.1531% | 1,232 |
| Core capital (leverage) ratio | 12.9022% | 1,205 |
| Tier 1 risk-based capital ratio | 21.4062% | 1,393 |
| Total risk-based capital ratio | 22.6154% | 1,381 |
| Memoranda: | ||
| Average total assets | $120,944,500 | 4,254 |
| Average earning assets | $114,611,500 | 4,164 |
| Average equity | $15,708,500 | 3,749 |
| Average total loans | $56,669,500 | 4,701 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5448% | 5,545 |
| Cost of funding earning assets | 0.3426% | 5,215 |
| Net interest margin | 3.2022% | 4,994 |
| Noninterest income to average assets | 0.3942% | 4,487 |
| Noninterest expense to average assets | 2.5166% | 4,715 |
| Loan and lease loss provision to assets | 0.0102% | 4,921 |
| Net operating income to assets | 0.8615% | 2,967 |
| Return on assets (ROA) | 0.8615% | 3,050 |
| Pretax return on assets | 0.8930% | 3,795 |
| Return on Equity (ROE) | 6.3777% | 3,882 |
| Retained earnings to average equity (ytd only) | 3.4216% | 3,797 |
| Net charge-offs to loans | 0.2651% | 2,375 |
| Credit loss provision to net charge-offs | 7.8431% | 4,608 |
| Earnings coverage of net charge-offs (x) | 6.9477% | 2,947 |
| Efficiency ratio | 73.5901% | 3,199 |
| Assets per employee ($millions) | 4.4569% | 2,980 |
| Cash dividends to net income (ytd only)* | 46.3511% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 2,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 6,371 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 46.5837% | 5,442 |
| Net loans and leases to deposits | 56.8824% | 5,222 |
| Net loans and leases to core deposits | 59.1418% | 5,288 |
| Total domestic deposits to total assets | 81.8949% | 4,910 |
| Equity capital to assets | 12.8216% | 1,356 |
| Core capital (leverage) ratio | 13.2213% | 1,047 |
| Tier 1 risk-based capital ratio | 21.3322% | 1,363 |
| Total risk-based capital ratio | 22.5533% | 1,346 |
| Memoranda: | ||
| Average total assets | $117,698,400 | 4,323 |
| Average earning assets | $111,204,200 | 4,236 |
| Average equity | $15,899,200 | 3,719 |
| Average total loans | $57,708,000 | 4,694 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6054% | 5,428 |
| Cost of funding earning assets | 0.3569% | 5,228 |
| Net interest margin | 3.2485% | 4,835 |
| Noninterest income to average assets | 0.3976% | 4,553 |
| Noninterest expense to average assets | 2.5142% | 4,673 |
| Loan and lease loss provision to assets | 0.0137% | 4,727 |
| Net operating income to assets | 0.9079% | 2,792 |
| Return on assets (ROA) | 0.9079% | 2,901 |
| Pretax return on assets | 0.9387% | 3,726 |
| Return on Equity (ROE) | 6.6346% | 3,855 |
| Retained earnings to average equity (ytd only) | 3.7210% | 4,046 |
| Net charge-offs to loans | -0.0944% | 6,486 |
| Credit loss provision to net charge-offs | -29.2683% | 5,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5271% | 3,313 |
| Assets per employee ($millions) | 4.4905% | 2,897 |
| Cash dividends to net income (ytd only)* | 43.9152% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8930% | 2,023 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 6,238 |
| Noncurrent loans to loans | 0.1402% | 5,907 |
| Net loans and leases to total assets | 47.9401% | 5,350 |
| Net loans and leases to deposits | 58.5691% | 5,128 |
| Net loans and leases to core deposits | 61.3764% | 5,177 |
| Total domestic deposits to total assets | 81.8521% | 4,977 |
| Equity capital to assets | 13.0482% | 1,316 |
| Core capital (leverage) ratio | 13.2169% | 1,124 |
| Tier 1 risk-based capital ratio | 21.1275% | 1,473 |
| Total risk-based capital ratio | 22.3804% | 1,444 |
| Memoranda: | ||
| Average total assets | $117,039,000 | 4,376 |
| Average earning assets | $110,572,250 | 4,289 |
| Average equity | $16,016,750 | 3,739 |
| Average total loans | $57,899,250 | 4,738 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6438% | 5,312 |
| Cost of funding earning assets | 0.3620% | 5,302 |
| Net interest margin | 3.2817% | 4,646 |
| Noninterest income to average assets | 0.4064% | 4,481 |
| Noninterest expense to average assets | 2.4997% | 4,732 |
| Loan and lease loss provision to assets | 0.0205% | 4,487 |
| Net operating income to assets | 0.9527% | 2,557 |
| Return on assets (ROA) | 0.9527% | 2,703 |
| Pretax return on assets | 0.9818% | 3,596 |
| Return on Equity (ROE) | 6.8560% | 3,696 |
| Retained earnings to average equity (ytd only) | 4.2758% | 3,572 |
| Net charge-offs to loans | -0.1169% | 6,540 |
| Credit loss provision to net charge-offs | -35.2941% | 5,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3798% | 3,582 |
| Assets per employee ($millions) | 4.2849% | 3,201 |
| Cash dividends to net income (ytd only)* | 37.6344% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9071% | 2,095 |
| Loan loss allowance to noncurrent loans | 1,730.6452% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 6,345 |
| Noncurrent loans to loans | 0.1102% | 6,067 |
| Net loans and leases to total assets | 47.7034% | 5,357 |
| Net loans and leases to deposits | 57.7538% | 5,182 |
| Net loans and leases to core deposits | 60.7333% | 5,195 |
| Total domestic deposits to total assets | 82.5978% | 4,856 |
| Equity capital to assets | 13.6613% | 1,069 |
| Core capital (leverage) ratio | 13.2388% | 1,074 |
| Tier 1 risk-based capital ratio | 21.2812% | 1,425 |
| Total risk-based capital ratio | 22.5345% | 1,397 |
| Memoranda: | ||
| Average total assets | $117,134,670 | 4,413 |
| Average earning assets | $110,490,000 | 4,325 |
| Average equity | $16,277,670 | 3,724 |
| Average total loans | $58,182,000 | 4,738 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 4,876 |
| Cost of funding earning assets | 0.3935% | 5,172 |
| Net interest margin | 3.3902% | 4,153 |
| Noninterest income to average assets | 0.4073% | 4,405 |
| Noninterest expense to average assets | 2.5183% | 4,692 |
| Loan and lease loss provision to assets | 0.0407% | 3,919 |
| Net operating income to assets | 0.9944% | 2,246 |
| Return on assets (ROA) | 0.9944% | 2,367 |
| Pretax return on assets | 1.0352% | 3,205 |
| Return on Equity (ROE) | 7.0970% | 3,442 |
| Retained earnings to average equity (ytd only) | 5.4015% | 3,004 |
| Net charge-offs to loans | -0.0203% | 5,718 |
| Credit loss provision to net charge-offs | -400.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0661% | 3,958 |
| Assets per employee ($millions) | 4.5857% | 2,821 |
| Cash dividends to net income (ytd only)* | 23.8908% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7861% | 2,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 48.0583% | 5,221 |
| Net loans and leases to deposits | 56.6773% | 5,173 |
| Net loans and leases to core deposits | 59.6734% | 5,176 |
| Total domestic deposits to total assets | 84.7930% | 4,141 |
| Equity capital to assets | 13.9271% | 1,053 |
| Core capital (leverage) ratio | 12.8061% | 1,191 |
| Tier 1 risk-based capital ratio | 20.3709% | 1,679 |
| Total risk-based capital ratio | 21.6222% | 1,657 |
| Memoranda: | ||
| Average total assets | $117,856,000 | 4,445 |
| Average earning assets | $110,789,500 | 4,356 |
| Average equity | $16,514,000 | 3,737 |
| Average total loans | $59,142,000 | 4,733 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 5,804 |
| Cost of funding earning assets | 0.4735% | 5,393 |
| Net interest margin | 3.3340% | 5,126 |
| Noninterest income to average assets | 0.3650% | 4,871 |
| Noninterest expense to average assets | 2.5190% | 5,035 |
| Loan and lease loss provision to assets | 0.0945% | 4,487 |
| Net operating income to assets | 0.8477% | 3,058 |
| Return on assets (ROA) | 0.8477% | 3,309 |
| Pretax return on assets | 0.8778% | 3,997 |
| Return on Equity (ROE) | 6.1492% | 4,087 |
| Retained earnings to average equity (ytd only) | 3.6883% | 3,628 |
| Net charge-offs to loans | 0.1860% | 3,890 |
| Credit loss provision to net charge-offs | 98.2143% | 3,158 |
| Earnings coverage of net charge-offs (x) | 10.1071% | 2,182 |
| Efficiency ratio | 72.1525% | 3,389 |
| Assets per employee ($millions) | 4.3142% | 3,318 |
| Cash dividends to net income (ytd only)* | 40.0203% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 2,884 |
| Loan loss allowance to noncurrent loans | 570.5556% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 6,174 |
| Noncurrent loans to loans | 0.3003% | 5,728 |
| Net loans and leases to total assets | 50.5786% | 5,099 |
| Net loans and leases to deposits | 59.1936% | 5,109 |
| Net loans and leases to core deposits | 61.4259% | 5,215 |
| Total domestic deposits to total assets | 85.4461% | 3,641 |
| Equity capital to assets | 14.0989% | 1,007 |
| Core capital (leverage) ratio | 12.6076% | 1,281 |
| Tier 1 risk-based capital ratio | 19.8934% | 1,706 |
| Total risk-based capital ratio | 21.1443% | 1,678 |
| Memoranda: | ||
| Average total assets | $116,433,800 | 4,429 |
| Average earning assets | $109,176,800 | 4,362 |
| Average equity | $16,050,800 | 3,763 |
| Average total loans | $60,218,400 | 4,702 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 5,915 |
| Cost of funding earning assets | 0.4912% | 5,499 |
| Net interest margin | 3.3529% | 5,207 |
| Noninterest income to average assets | 0.3688% | 4,885 |
| Noninterest expense to average assets | 2.5619% | 4,875 |
| Loan and lease loss provision to assets | 0.1031% | 4,291 |
| Net operating income to assets | 0.8211% | 3,339 |
| Return on assets (ROA) | 0.8211% | 3,582 |
| Pretax return on assets | 0.8463% | 4,314 |
| Return on Equity (ROE) | 5.9907% | 4,335 |
| Retained earnings to average equity (ytd only) | 3.5259% | 4,396 |
| Net charge-offs to loans | 0.2742% | 3,078 |
| Credit loss provision to net charge-offs | 72.5806% | 3,834 |
| Earnings coverage of net charge-offs (x) | 6.6855% | 2,742 |
| Efficiency ratio | 72.9615% | 3,149 |
| Assets per employee ($millions) | 4.1951% | 3,483 |
| Cash dividends to net income (ytd only)* | 41.1431% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 3,078 |
| Loan loss allowance to noncurrent loans | 434.4978% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 6,129 |
| Noncurrent loans to loans | 0.3960% | 5,666 |
| Net loans and leases to total assets | 48.3850% | 5,503 |
| Net loans and leases to deposits | 57.3594% | 5,499 |
| Net loans and leases to core deposits | 59.7542% | 5,581 |
| Total domestic deposits to total assets | 84.3541% | 4,058 |
| Equity capital to assets | 13.9100% | 1,192 |
| Core capital (leverage) ratio | 12.7931% | 1,278 |
| Tier 1 risk-based capital ratio | 18.8248% | 2,062 |
| Total risk-based capital ratio | 20.0745% | 2,033 |
| Memoranda: | ||
| Average total assets | $116,421,250 | 4,477 |
| Average earning assets | $109,118,500 | 4,419 |
| Average equity | $15,957,750 | 3,823 |
| Average total loans | $60,287,250 | 4,751 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8979% | 5,924 |
| Cost of funding earning assets | 0.5137% | 5,522 |
| Net interest margin | 3.3842% | 5,143 |
| Noninterest income to average assets | 0.3705% | 4,868 |
| Noninterest expense to average assets | 2.6001% | 4,780 |
| Loan and lease loss provision to assets | 0.1034% | 4,233 |
| Net operating income to assets | 0.8115% | 3,351 |
| Return on assets (ROA) | 0.8115% | 3,607 |
| Pretax return on assets | 0.8339% | 4,341 |
| Return on Equity (ROE) | 5.9505% | 4,350 |
| Retained earnings to average equity (ytd only) | 3.1711% | 4,505 |
| Net charge-offs to loans | 0.4157% | 2,374 |
| Credit loss provision to net charge-offs | 47.2441% | 4,100 |
| Earnings coverage of net charge-offs (x) | 4.2835% | 3,127 |
| Efficiency ratio | 73.5022% | 3,159 |
| Assets per employee ($millions) | 4.4133% | 3,064 |
| Cash dividends to net income (ytd only)* | 46.7091% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 3,337 |
| Loan loss allowance to noncurrent loans | 431.3901% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 5,428 |
| Noncurrent loans to loans | 0.3886% | 5,758 |
| Net loans and leases to total assets | 49.1725% | 5,460 |
| Net loans and leases to deposits | 57.5450% | 5,501 |
| Net loans and leases to core deposits | 60.6214% | 5,529 |
| Total domestic deposits to total assets | 85.4506% | 3,637 |
| Equity capital to assets | 14.0108% | 1,095 |
| Core capital (leverage) ratio | 12.7742% | 1,230 |
| Tier 1 risk-based capital ratio | 20.4009% | 1,603 |
| Total risk-based capital ratio | 21.6522% | 1,579 |
| Memoranda: | ||
| Average total assets | $116,074,330 | 4,502 |
| Average earning assets | $108,622,670 | 4,448 |
| Average equity | $15,830,670 | 3,831 |
| Average total loans | $61,106,670 | 4,737 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 5,609 |
| Cost of funding earning assets | 0.5374% | 5,567 |
| Net interest margin | 3.5114% | 4,634 |
| Noninterest income to average assets | 0.3529% | 5,043 |
| Noninterest expense to average assets | 2.6418% | 4,660 |
| Loan and lease loss provision to assets | 0.1028% | 4,052 |
| Net operating income to assets | 0.8669% | 3,065 |
| Return on assets (ROA) | 0.8669% | 3,294 |
| Pretax return on assets | 0.8772% | 4,119 |
| Return on Equity (ROE) | 6.4428% | 4,070 |
| Retained earnings to average equity (ytd only) | 6.4428% | 2,719 |
| Net charge-offs to loans | -0.1016% | 6,794 |
| Credit loss provision to net charge-offs | -187.5000% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9423% | 3,263 |
| Assets per employee ($millions) | 4.1652% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 3,053 |
| Loan loss allowance to noncurrent loans | 455.5085% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 5,534 |
| Noncurrent loans to loans | 0.3913% | 5,892 |
| Net loans and leases to total assets | 50.7914% | 5,190 |
| Net loans and leases to deposits | 59.5211% | 5,210 |
| Net loans and leases to core deposits | 62.8299% | 5,241 |
| Total domestic deposits to total assets | 85.3335% | 3,864 |
| Equity capital to assets | 13.6093% | 1,197 |
| Core capital (leverage) ratio | 12.4683% | 1,352 |
| Tier 1 risk-based capital ratio | 19.4054% | 1,870 |
| Total risk-based capital ratio | 20.6566% | 1,834 |
| Memoranda: | ||
| Average total assets | $116,738,000 | 4,525 |
| Average earning assets | $108,675,500 | 4,464 |
| Average equity | $15,707,500 | 3,859 |
| Average total loans | $62,967,000 | 4,700 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2568% | 5,898 |
| Cost of funding earning assets | 0.7655% | 5,093 |
| Net interest margin | 3.4913% | 5,173 |
| Noninterest income to average assets | 0.2520% | 5,723 |
| Noninterest expense to average assets | 2.6288% | 4,991 |
| Loan and lease loss provision to assets | 0.0869% | 5,509 |
| Net operating income to assets | 0.7734% | 3,162 |
| Return on assets (ROA) | 0.7734% | 3,326 |
| Pretax return on assets | 0.8099% | 3,943 |
| Return on Equity (ROE) | 5.9310% | 3,902 |
| Retained earnings to average equity (ytd only) | 3.4653% | 3,752 |
| Net charge-offs to loans | 0.1624% | 4,848 |
| Credit loss provision to net charge-offs | 89.2857% | 4,041 |
| Earnings coverage of net charge-offs (x) | 9.2143% | 2,015 |
| Efficiency ratio | 74.5625% | 3,135 |
| Assets per employee ($millions) | 4.1732% | 3,505 |
| Cash dividends to net income (ytd only)* | 41.5730% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 3,716 |
| Loan loss allowance to noncurrent loans | 436.0169% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.5357% | 5,632 |
| Noncurrent loans to loans | 0.3596% | 6,002 |
| Net loans and leases to total assets | 55.2794% | 4,839 |
| Net loans and leases to deposits | 64.4953% | 4,943 |
| Net loans and leases to core deposits | 67.9450% | 5,034 |
| Total domestic deposits to total assets | 85.7107% | 3,478 |
| Equity capital to assets | 13.3017% | 1,362 |
| Core capital (leverage) ratio | 12.0760% | 1,553 |
| Tier 1 risk-based capital ratio | 18.7462% | 1,977 |
| Total risk-based capital ratio | 19.9971% | 1,934 |
| Memoranda: | ||
| Average total assets | $115,071,800 | 4,521 |
| Average earning assets | $107,897,400 | 4,450 |
| Average equity | $15,005,800 | 3,904 |
| Average total loans | $68,959,200 | 4,533 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 5,776 |
| Cost of funding earning assets | 0.8205% | 5,005 |
| Net interest margin | 3.5291% | 5,062 |
| Noninterest income to average assets | 0.2129% | 6,096 |
| Noninterest expense to average assets | 2.6846% | 4,789 |
| Loan and lease loss provision to assets | 0.0814% | 5,425 |
| Net operating income to assets | 0.7188% | 3,512 |
| Return on assets (ROA) | 0.7188% | 3,687 |
| Pretax return on assets | 0.7537% | 4,301 |
| Return on Equity (ROE) | 5.5407% | 4,258 |
| Retained earnings to average equity (ytd only) | 3.4337% | 4,289 |
| Net charge-offs to loans | 0.2426% | 3,907 |
| Credit loss provision to net charge-offs | 55.1181% | 4,923 |
| Earnings coverage of net charge-offs (x) | 5.6535% | 2,730 |
| Efficiency ratio | 76.2723% | 2,805 |
| Assets per employee ($millions) | 4.1206% | 3,598 |
| Cash dividends to net income (ytd only)* | 38.0264% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 4,130 |
| Loan loss allowance to noncurrent loans | 352.6882% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.5798% | 5,661 |
| Noncurrent loans to loans | 0.4236% | 5,992 |
| Net loans and leases to total assets | 56.2365% | 4,808 |
| Net loans and leases to deposits | 66.5381% | 4,823 |
| Net loans and leases to core deposits | 70.5338% | 4,885 |
| Total domestic deposits to total assets | 84.5177% | 3,999 |
| Equity capital to assets | 13.4403% | 1,394 |
| Core capital (leverage) ratio | 12.3719% | 1,500 |
| Tier 1 risk-based capital ratio | 18.3297% | 2,140 |
| Total risk-based capital ratio | 19.5801% | 2,103 |
| Memoranda: | ||
| Average total assets | $114,627,250 | 4,566 |
| Average earning assets | $107,410,250 | 4,498 |
| Average equity | $14,871,500 | 3,945 |
| Average total loans | $69,793,250 | 4,533 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 5,673 |
| Cost of funding earning assets | 0.8718% | 4,889 |
| Net interest margin | 3.5339% | 4,998 |
| Noninterest income to average assets | 0.2028% | 6,216 |
| Noninterest expense to average assets | 2.7313% | 4,698 |
| Loan and lease loss provision to assets | 0.1049% | 4,996 |
| Net operating income to assets | 0.6417% | 3,844 |
| Return on assets (ROA) | 0.6417% | 3,966 |
| Pretax return on assets | 0.6767% | 4,472 |
| Return on Equity (ROE) | 5.0069% | 4,447 |
| Retained earnings to average equity (ytd only) | 2.8923% | 4,445 |
| Net charge-offs to loans | 0.2532% | 3,618 |
| Credit loss provision to net charge-offs | 66.6667% | 4,148 |
| Earnings coverage of net charge-offs (x) | 4.9667% | 2,727 |
| Efficiency ratio | 77.7501% | 2,750 |
| Assets per employee ($millions) | 4.0395% | 3,679 |
| Cash dividends to net income (ytd only)* | 42.2343% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 4,054 |
| Loan loss allowance to noncurrent loans | 314.9533% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 5,555 |
| Noncurrent loans to loans | 0.4816% | 5,940 |
| Net loans and leases to total assets | 58.0381% | 4,617 |
| Net loans and leases to deposits | 68.3599% | 4,652 |
| Net loans and leases to core deposits | 73.2201% | 4,681 |
| Total domestic deposits to total assets | 84.9008% | 3,922 |
| Equity capital to assets | 13.2726% | 1,398 |
| Core capital (leverage) ratio | 12.4174% | 1,401 |
| Tier 1 risk-based capital ratio | 18.0988% | 2,138 |
| Total risk-based capital ratio | 19.3498% | 2,092 |
| Memoranda: | ||
| Average total assets | $114,377,330 | 4,601 |
| Average earning assets | $107,134,670 | 4,532 |
| Average equity | $14,659,670 | 3,968 |
| Average total loans | $71,101,670 | 4,536 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 5,542 |
| Cost of funding earning assets | 0.9169% | 4,797 |
| Net interest margin | 3.5270% | 4,893 |
| Noninterest income to average assets | 0.3095% | 5,451 |
| Noninterest expense to average assets | 2.8136% | 4,390 |
| Loan and lease loss provision to assets | 0.2087% | 3,553 |
| Net operating income to assets | 0.5669% | 4,199 |
| Return on assets (ROA) | 0.5669% | 4,273 |
| Pretax return on assets | 0.6051% | 4,667 |
| Return on Equity (ROE) | 4.5017% | 4,655 |
| Retained earnings to average equity (ytd only) | 2.4304% | 4,692 |
| Net charge-offs to loans | 0.1309% | 3,728 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 1,694 |
| Efficiency ratio | 77.5647% | 2,907 |
| Assets per employee ($millions) | 4.0952% | 3,654 |
| Cash dividends to net income (ytd only)* | 46.0123% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 4,211 |
| Loan loss allowance to noncurrent loans | 359.0000% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 5,441 |
| Noncurrent loans to loans | 0.4179% | 6,162 |
| Net loans and leases to total assets | 61.6730% | 3,930 |
| Net loans and leases to deposits | 72.5759% | 3,976 |
| Net loans and leases to core deposits | 78.1345% | 4,001 |
| Total domestic deposits to total assets | 84.9772% | 4,042 |
| Equity capital to assets | 12.6733% | 1,536 |
| Core capital (leverage) ratio | 12.2305% | 1,442 |
| Tier 1 risk-based capital ratio | 16.5589% | 2,638 |
| Total risk-based capital ratio | 17.8089% | 2,613 |
| Memoranda: | ||
| Average total assets | $115,013,500 | 4,619 |
| Average earning assets | $108,194,000 | 4,525 |
| Average equity | $14,483,500 | 3,998 |
| Average total loans | $73,325,000 | 4,494 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 5,314 |
| Cost of funding earning assets | 1.2681% | 4,092 |
| Net interest margin | 3.5623% | 4,991 |
| Noninterest income to average assets | 0.3332% | 5,402 |
| Noninterest expense to average assets | 2.6610% | 5,172 |
| Loan and lease loss provision to assets | 0.2806% | 4,566 |
| Net operating income to assets | 0.6991% | 3,231 |
| Return on assets (ROA) | 0.7049% | 3,339 |
| Pretax return on assets | 0.7400% | 3,832 |
| Return on Equity (ROE) | 5.5274% | 3,822 |
| Retained earnings to average equity (ytd only) | 2.8462% | 3,854 |
| Net charge-offs to loans | 0.5829% | 3,295 |
| Credit loss provision to net charge-offs | 74.0741% | 5,760 |
| Earnings coverage of net charge-offs (x) | 2.6782% | 3,753 |
| Efficiency ratio | 72.3998% | 3,720 |
| Assets per employee ($millions) | 3.9780% | 3,832 |
| Cash dividends to net income (ytd only)* | 48.5075% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 4,563 |
| Loan loss allowance to noncurrent loans | 324.2991% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.7680% | 5,478 |
| Noncurrent loans to loans | 0.4288% | 6,189 |
| Net loans and leases to total assets | 63.9852% | 3,877 |
| Net loans and leases to deposits | 75.3450% | 3,952 |
| Net loans and leases to core deposits | 80.5311% | 4,129 |
| Total domestic deposits to total assets | 84.9230% | 3,899 |
| Equity capital to assets | 12.5129% | 1,624 |
| Core capital (leverage) ratio | 12.0658% | 1,501 |
| Tier 1 risk-based capital ratio | 15.8671% | 2,811 |
| Total risk-based capital ratio | 17.0621% | 2,802 |
| Memoranda: | ||
| Average total assets | $114,052,800 | 4,611 |
| Average earning assets | $107,009,000 | 4,531 |
| Average equity | $14,545,800 | 4,022 |
| Average total loans | $74,111,400 | 4,523 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9719% | 4,940 |
| Cost of funding earning assets | 1.3428% | 3,955 |
| Net interest margin | 3.6292% | 4,731 |
| Noninterest income to average assets | 0.3447% | 5,413 |
| Noninterest expense to average assets | 2.6988% | 4,886 |
| Loan and lease loss provision to assets | 0.2228% | 4,826 |
| Net operating income to assets | 0.7836% | 3,072 |
| Return on assets (ROA) | 0.7914% | 3,204 |
| Pretax return on assets | 0.8312% | 3,795 |
| Return on Equity (ROE) | 6.1755% | 3,736 |
| Retained earnings to average equity (ytd only) | 3.0649% | 4,288 |
| Net charge-offs to loans | 0.4527% | 3,490 |
| Credit loss provision to net charge-offs | 75.6972% | 5,262 |
| Earnings coverage of net charge-offs (x) | 3.5538% | 3,401 |
| Efficiency ratio | 72.0726% | 3,681 |
| Assets per employee ($millions) | 3.7389% | 4,416 |
| Cash dividends to net income (ytd only)* | 50.3700% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 3,717 |
| Loan loss allowance to noncurrent loans | 340.1869% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 5,523 |
| Noncurrent loans to loans | 0.4569% | 6,272 |
| Net loans and leases to total assets | 61.6634% | 4,597 |
| Net loans and leases to deposits | 73.7291% | 4,561 |
| Net loans and leases to core deposits | 80.5155% | 4,445 |
| Total domestic deposits to total assets | 83.6351% | 4,305 |
| Equity capital to assets | 13.3007% | 1,448 |
| Core capital (leverage) ratio | 12.2099% | 1,559 |
| Tier 1 risk-based capital ratio | 16.6653% | 2,477 |
| Total risk-based capital ratio | 17.9155% | 2,437 |
| Memoranda: | ||
| Average total assets | $113,725,750 | 4,681 |
| Average earning assets | $106,542,000 | 4,605 |
| Average equity | $14,573,500 | 4,082 |
| Average total loans | $73,925,500 | 4,605 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1092% | 4,405 |
| Cost of funding earning assets | 1.4029% | 3,859 |
| Net interest margin | 3.7063% | 4,333 |
| Noninterest income to average assets | 0.3571% | 5,288 |
| Noninterest expense to average assets | 2.7012% | 4,902 |
| Loan and lease loss provision to assets | 0.2101% | 4,778 |
| Net operating income to assets | 0.8724% | 2,650 |
| Return on assets (ROA) | 0.8841% | 2,732 |
| Pretax return on assets | 0.9313% | 3,384 |
| Return on Equity (ROE) | 6.9856% | 3,307 |
| Retained earnings to average equity (ytd only) | 3.8040% | 3,673 |
| Net charge-offs to loans | 0.4471% | 3,192 |
| Credit loss provision to net charge-offs | 71.4286% | 4,927 |
| Earnings coverage of net charge-offs (x) | 3.8393% | 3,159 |
| Efficiency ratio | 70.5210% | 4,082 |
| Assets per employee ($millions) | 3.8031% | 4,216 |
| Cash dividends to net income (ytd only)* | 45.5446% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 3,898 |
| Loan loss allowance to noncurrent loans | 111.7290% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 5,391 |
| Noncurrent loans to loans | 1.3475% | 4,693 |
| Net loans and leases to total assets | 63.3618% | 4,380 |
| Net loans and leases to deposits | 75.5544% | 4,411 |
| Net loans and leases to core deposits | 84.5590% | 4,062 |
| Total domestic deposits to total assets | 83.8624% | 4,166 |
| Equity capital to assets | 12.8140% | 1,646 |
| Core capital (leverage) ratio | 12.4291% | 1,433 |
| Tier 1 risk-based capital ratio | 16.1253% | 2,617 |
| Total risk-based capital ratio | 17.3757% | 2,579 |
| Memoranda: | ||
| Average total assets | $114,245,330 | 4,696 |
| Average earning assets | $107,061,000 | 4,622 |
| Average equity | $14,458,330 | 4,101 |
| Average total loans | $75,148,000 | 4,596 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0551% | 4,758 |
| Cost of funding earning assets | 1.3315% | 4,616 |
| Net interest margin | 3.7237% | 4,129 |
| Noninterest income to average assets | 0.3079% | 5,680 |
| Noninterest expense to average assets | 2.7397% | 4,720 |
| Loan and lease loss provision to assets | 0.2099% | 4,405 |
| Net operating income to assets | 0.8235% | 2,869 |
| Return on assets (ROA) | 0.8467% | 2,857 |
| Pretax return on assets | 0.8957% | 3,487 |
| Return on Equity (ROE) | 6.7327% | 3,488 |
| Retained earnings to average equity (ytd only) | 3.6724% | 3,951 |
| Net charge-offs to loans | -0.1263% | 7,565 |
| Credit loss provision to net charge-offs | -250.0000% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7033% | 3,982 |
| Assets per employee ($millions) | 3.7904% | 4,340 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 3,363 |
| Loan loss allowance to noncurrent loans | 106.6379% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 1.0201% | 5,116 |
| Noncurrent loans to loans | 1.5203% | 4,466 |
| Net loans and leases to total assets | 66.0147% | 3,846 |
| Net loans and leases to deposits | 78.2826% | 3,986 |
| Net loans and leases to core deposits | 88.2019% | 3,601 |
| Total domestic deposits to total assets | 84.3287% | 3,980 |
| Equity capital to assets | 12.7261% | 1,639 |
| Core capital (leverage) ratio | 11.8444% | 1,725 |
| Tier 1 risk-based capital ratio | 15.5386% | 2,854 |
| Total risk-based capital ratio | 16.7906% | 2,795 |
| Memoranda: | ||
| Average total assets | $114,321,000 | 4,760 |
| Average earning assets | $107,851,000 | 4,661 |
| Average equity | $14,377,500 | 4,150 |
| Average total loans | $76,023,500 | 4,635 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2918% | 5,217 |
| Cost of funding earning assets | 1.5944% | 5,050 |
| Net interest margin | 3.6974% | 4,157 |
| Noninterest income to average assets | 0.3754% | 5,413 |
| Noninterest expense to average assets | 2.6983% | 5,403 |
| Loan and lease loss provision to assets | 0.1983% | 5,755 |
| Net operating income to assets | 0.9420% | 2,039 |
| Return on assets (ROA) | 0.9420% | 2,092 |
| Pretax return on assets | 0.9570% | 2,740 |
| Return on Equity (ROE) | 7.6478% | 2,518 |
| Retained earnings to average equity (ytd only) | 4.0707% | 2,370 |
| Net charge-offs to loans | 0.7347% | 2,985 |
| Credit loss provision to net charge-offs | 40.9091% | 6,823 |
| Earnings coverage of net charge-offs (x) | 2.3836% | 3,945 |
| Efficiency ratio | 69.9062% | 4,649 |
| Assets per employee ($millions) | 3.8310% | 4,204 |
| Cash dividends to net income (ytd only)* | 46.7727% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 3,611 |
| Loan loss allowance to noncurrent loans | 173.3835% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 5,784 |
| Noncurrent loans to loans | 0.8780% | 5,543 |
| Net loans and leases to total assets | 64.9007% | 4,386 |
| Net loans and leases to deposits | 74.4235% | 4,962 |
| Net loans and leases to core deposits | 102.7339% | 3,716 |
| Total domestic deposits to total assets | 87.2045% | 2,385 |
| Equity capital to assets | 12.4283% | 1,782 |
| Core capital (leverage) ratio | 11.8263% | 1,748 |
| Tier 1 risk-based capital ratio | 15.5896% | 2,680 |
| Total risk-based capital ratio | 16.8407% | 2,630 |
| Memoranda: | ||
| Average total assets | $113,480,800 | 4,745 |
| Average earning assets | $106,750,800 | 4,661 |
| Average equity | $13,977,800 | 4,257 |
| Average total loans | $74,858,200 | 4,691 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3712% | 5,089 |
| Cost of funding earning assets | 1.6574% | 5,121 |
| Net interest margin | 3.7138% | 4,014 |
| Noninterest income to average assets | 0.3725% | 5,535 |
| Noninterest expense to average assets | 2.7428% | 5,134 |
| Loan and lease loss provision to assets | 0.1591% | 5,758 |
| Net operating income to assets | 0.9536% | 2,221 |
| Return on assets (ROA) | 0.9536% | 2,282 |
| Pretax return on assets | 0.9594% | 3,026 |
| Return on Equity (ROE) | 7.7593% | 2,742 |
| Retained earnings to average equity (ytd only) | 4.4023% | 2,814 |
| Net charge-offs to loans | 0.9914% | 1,985 |
| Credit loss provision to net charge-offs | 24.3243% | 6,539 |
| Earnings coverage of net charge-offs (x) | 1.7099% | 4,513 |
| Efficiency ratio | 70.9402% | 4,436 |
| Assets per employee ($millions) | 3.7725% | 4,249 |
| Cash dividends to net income (ytd only)* | 43.2637% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 3,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 7,312 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 64.0000% | 4,871 |
| Net loans and leases to deposits | 75.4752% | 5,129 |
| Net loans and leases to core deposits | 107.5265% | 3,531 |
| Total domestic deposits to total assets | 84.7961% | 3,326 |
| Equity capital to assets | 12.5832% | 1,890 |
| Core capital (leverage) ratio | 11.8570% | 1,860 |
| Tier 1 risk-based capital ratio | 15.8647% | 2,680 |
| Total risk-based capital ratio | 17.1139% | 2,612 |
| Memoranda: | ||
| Average total assets | $113,118,250 | 4,779 |
| Average earning assets | $106,267,500 | 4,701 |
| Average equity | $13,901,250 | 4,315 |
| Average total loans | $74,636,750 | 4,750 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3951% | 5,175 |
| Cost of funding earning assets | 1.7058% | 5,238 |
| Net interest margin | 3.6893% | 3,999 |
| Noninterest income to average assets | 0.3996% | 5,289 |
| Noninterest expense to average assets | 2.7799% | 5,046 |
| Loan and lease loss provision to assets | 0.1592% | 5,476 |
| Net operating income to assets | 0.9496% | 2,280 |
| Return on assets (ROA) | 0.9496% | 2,377 |
| Pretax return on assets | 0.9372% | 3,217 |
| Return on Equity (ROE) | 7.7894% | 2,856 |
| Retained earnings to average equity (ytd only) | 4.4531% | 2,816 |
| Net charge-offs to loans | 1.3357% | 1,387 |
| Credit loss provision to net charge-offs | 17.9641% | 6,146 |
| Earnings coverage of net charge-offs (x) | 1.2375% | 4,607 |
| Efficiency ratio | 71.6241% | 4,482 |
| Assets per employee ($millions) | 3.8636% | 3,955 |
| Cash dividends to net income (ytd only)* | 42.8305% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 3,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 7,340 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 63.1829% | 5,147 |
| Net loans and leases to deposits | 72.5700% | 5,659 |
| Net loans and leases to core deposits | 102.6075% | 4,217 |
| Total domestic deposits to total assets | 87.0648% | 2,219 |
| Equity capital to assets | 12.3042% | 2,024 |
| Core capital (leverage) ratio | 11.7610% | 1,947 |
| Tier 1 risk-based capital ratio | 15.4713% | 2,822 |
| Total risk-based capital ratio | 16.5717% | 2,816 |
| Memoranda: | ||
| Average total assets | $113,099,330 | 4,799 |
| Average earning assets | $106,578,000 | 4,708 |
| Average equity | $13,788,000 | 4,358 |
| Average total loans | $75,019,000 | 4,773 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5334% | 4,734 |
| Cost of funding earning assets | 1.7672% | 5,280 |
| Net interest margin | 3.7661% | 3,598 |
| Noninterest income to average assets | 0.2640% | 6,339 |
| Noninterest expense to average assets | 2.6578% | 5,192 |
| Loan and lease loss provision to assets | 0.1584% | 4,904 |
| Net operating income to assets | 0.9786% | 2,401 |
| Return on assets (ROA) | 0.9786% | 2,529 |
| Pretax return on assets | 0.9962% | 3,357 |
| Return on Equity (ROE) | 8.0644% | 3,119 |
| Retained earnings to average equity (ytd only) | 4.5834% | 3,379 |
| Net charge-offs to loans | 0.0104% | 5,486 |
| Credit loss provision to net charge-offs | 2,250.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 266 |
| Efficiency ratio | 69.6214% | 4,653 |
| Assets per employee ($millions) | 3.8731% | 3,934 |
| Cash dividends to net income (ytd only)* | 43.1655% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0353% | 1,346 |
| Loan loss allowance to noncurrent loans | 10,140.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 7,099 |
| Noncurrent loans to loans | 0.0201% | 7,497 |
| Net loans and leases to total assets | 65.1807% | 4,776 |
| Net loans and leases to deposits | 74.7425% | 5,393 |
| Net loans and leases to core deposits | 105.3093% | 3,991 |
| Total domestic deposits to total assets | 87.2071% | 2,118 |
| Equity capital to assets | 12.3282% | 2,065 |
| Core capital (leverage) ratio | 11.5118% | 2,138 |
| Tier 1 risk-based capital ratio | 15.2802% | 2,948 |
| Total risk-based capital ratio | 16.5370% | 2,884 |
| Memoranda: | ||
| Average total assets | $113,627,500 | 4,809 |
| Average earning assets | $107,059,500 | 4,714 |
| Average equity | $13,789,000 | 4,384 |
| Average total loans | $76,599,000 | 4,746 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3307% | 3,787 |
| Cost of funding earning assets | 2.4399% | 4,528 |
| Net interest margin | 3.8908% | 3,606 |
| Noninterest income to average assets | 0.3110% | 6,229 |
| Noninterest expense to average assets | 2.6386% | 5,498 |
| Loan and lease loss provision to assets | 0.0980% | 6,133 |
| Net operating income to assets | 1.1611% | 1,902 |
| Return on assets (ROA) | 1.1611% | 1,830 |
| Pretax return on assets | 1.2137% | 2,597 |
| Return on Equity (ROE) | 9.9749% | 2,267 |
| Retained earnings to average equity (ytd only) | 5.4506% | 1,782 |
| Net charge-offs to loans | -0.1940% | 8,161 |
| Credit loss provision to net charge-offs | -74.8299% | 7,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7945% | 4,949 |
| Assets per employee ($millions) | 3.9633% | 3,593 |
| Cash dividends to net income (ytd only)* | 45.3569% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8836% | 1,456 |
| Loan loss allowance to noncurrent loans | 36,950.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 6,579 |
| Noncurrent loans to loans | 0.0051% | 7,540 |
| Net loans and leases to total assets | 66.9839% | 4,639 |
| Net loans and leases to deposits | 76.4392% | 5,539 |
| Net loans and leases to core deposits | 105.5541% | 4,239 |
| Total domestic deposits to total assets | 87.6304% | 1,652 |
| Equity capital to assets | 11.9468% | 2,324 |
| Core capital (leverage) ratio | 11.4860% | 2,261 |
| Tier 1 risk-based capital ratio | 14.4704% | 3,313 |
| Total risk-based capital ratio | 15.7248% | 3,221 |
| Memoranda: | ||
| Average total assets | $112,218,400 | 4,720 |
| Average earning assets | $104,965,400 | 4,646 |
| Average equity | $13,062,800 | 4,552 |
| Average total loans | $75,788,400 | 4,662 |