Home > The Valley State Bank > Performance and Condition Ratios
The Valley State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 2,843 |
| Cost of funding earning assets | 1.2994% | 2,514 |
| Net interest margin | 3.3230% | 2,570 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.5971% | 2,015 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6520% | 3,308 |
| Return on assets (ROA) | 0.6363% | 3,325 |
| Pretax return on assets | 0.8299% | 3,137 |
| Return on Equity (ROE) | 6.9500% | 3,295 |
| Retained earnings to average equity (ytd only) | 5.0782% | 2,581 |
| Net charge-offs to loans | 0.0313% | 1,669 |
| Credit loss provision to net charge-offs | 106.2500% | 1,782 |
| Earnings coverage of net charge-offs (x) | 50.7813% | 1,285 |
| Efficiency ratio | 75.2287% | 1,329 |
| Assets per employee ($millions) | 5.1696% | 3,504 |
| Cash dividends to net income (ytd only)* | 26.8817% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 3,559 |
| Loan loss allowance to noncurrent loans | 162.9934% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 1,675 |
| Noncurrent loans to loans | 0.5783% | 1,354 |
| Net loans and leases to total assets | 54.4500% | 3,318 |
| Net loans and leases to deposits | 67.3367% | 3,083 |
| Net loans and leases to core deposits | 72.9929% | 3,126 |
| Total domestic deposits to total assets | 80.8600% | 3,330 |
| Equity capital to assets | 9.6092% | 2,265 |
| Core capital (leverage) ratio | 11.6971% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $190,019,600 | 3,053 |
| Average earning assets | $179,927,200 | 3,008 |
| Average equity | $17,407,800 | 3,060 |
| Average total loans | $102,257,200 | 3,153 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5520% | 2,792 |
| Cost of funding earning assets | 1.2471% | 2,288 |
| Net interest margin | 3.3049% | 2,675 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.5456% | 2,099 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.6598% | 3,408 |
| Return on assets (ROA) | 0.6382% | 3,449 |
| Pretax return on assets | 0.8321% | 3,261 |
| Return on Equity (ROE) | 7.0500% | 3,415 |
| Retained earnings to average equity (ytd only) | 6.6647% | 2,411 |
| Net charge-offs to loans | 0.0368% | 1,364 |
| Credit loss provision to net charge-offs | 39.2857% | 1,937 |
| Earnings coverage of net charge-offs (x) | 44.0714% | 1,391 |
| Efficiency ratio | 74.5881% | 1,311 |
| Assets per employee ($millions) | 4.7034% | 3,810 |
| Cash dividends to net income (ytd only)* | 5.5066% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 3,584 |
| Loan loss allowance to noncurrent loans | 162.5817% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 1,723 |
| Noncurrent loans to loans | 0.5800% | 1,381 |
| Net loans and leases to total assets | 55.5600% | 3,242 |
| Net loans and leases to deposits | 69.2800% | 2,884 |
| Net loans and leases to core deposits | 76.8880% | 2,807 |
| Total domestic deposits to total assets | 80.1900% | 3,501 |
| Equity capital to assets | 8.9648% | 2,440 |
| Core capital (leverage) ratio | 11.5351% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $189,705,750 | 3,063 |
| Average earning assets | $179,285,750 | 3,023 |
| Average equity | $17,164,750 | 3,072 |
| Average total loans | $101,537,000 | 3,162 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4038% | 2,879 |
| Cost of funding earning assets | 1.1410% | 2,163 |
| Net interest margin | 3.2628% | 2,838 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.5243% | 2,135 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.6819% | 3,378 |
| Return on assets (ROA) | 0.6487% | 3,471 |
| Pretax return on assets | 0.8453% | 3,290 |
| Return on Equity (ROE) | 7.1500% | 3,449 |
| Retained earnings to average equity (ytd only) | 6.5685% | 2,431 |
| Net charge-offs to loans | 0.0299% | 1,288 |
| Credit loss provision to net charge-offs | -180.0000% | 4,557 |
| Earnings coverage of net charge-offs (x) | 54.4667% | 1,242 |
| Efficiency ratio | 74.6116% | 1,292 |
| Assets per employee ($millions) | 4.7749% | 3,770 |
| Cash dividends to net income (ytd only)* | 8.1037% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 3,699 |
| Loan loss allowance to noncurrent loans | 185.1272% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 1,867 |
| Noncurrent loans to loans | 0.5000% | 1,461 |
| Net loans and leases to total assets | 53.0100% | 3,341 |
| Net loans and leases to deposits | 65.6259% | 3,082 |
| Net loans and leases to core deposits | 72.6587% | 2,976 |
| Total domestic deposits to total assets | 80.7800% | 3,461 |
| Equity capital to assets | 9.0019% | 2,515 |
| Core capital (leverage) ratio | 11.3890% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $190,229,000 | 3,068 |
| Average earning assets | $179,661,333 | 3,031 |
| Average equity | $17,264,333 | 3,081 |
| Average total loans | $100,211,000 | 3,172 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2272% | 2,984 |
| Cost of funding earning assets | 1.0356% | 1,930 |
| Net interest margin | 3.1916% | 3,135 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.5180% | 2,202 |
| Loan and lease loss provision to assets | -0.1200% | 4,587 |
| Net operating income to assets | 0.6667% | 3,535 |
| Return on assets (ROA) | 0.5984% | 3,662 |
| Pretax return on assets | 0.7796% | 3,510 |
| Return on Equity (ROE) | 6.5700% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.5665% | 2,624 |
| Net charge-offs to loans | -0.0443% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.1964% | 1,074 |
| Assets per employee ($millions) | 4.8076% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 3,618 |
| Loan loss allowance to noncurrent loans | 234.6154% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 2,053 |
| Noncurrent loans to loans | 0.4160% | 1,684 |
| Net loans and leases to total assets | 51.5000% | 3,381 |
| Net loans and leases to deposits | 63.0805% | 3,161 |
| Net loans and leases to core deposits | 68.2549% | 3,074 |
| Total domestic deposits to total assets | 81.6300% | 3,541 |
| Equity capital to assets | 8.9328% | 2,566 |
| Core capital (leverage) ratio | 11.1961% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $189,829,500 | 3,106 |
| Average earning assets | $179,218,500 | 3,071 |
| Average equity | $17,300,000 | 3,107 |
| Average total loans | $99,220,000 | 3,220 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9715% | 1,789 |
| Cost of funding earning assets | 0.5541% | 1,092 |
| Net interest margin | 3.4174% | 2,194 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.4448% | 2,287 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8405% | 3,186 |
| Return on assets (ROA) | 0.8367% | 3,124 |
| Pretax return on assets | 1.0968% | 2,783 |
| Return on Equity (ROE) | 8.5400% | 3,244 |
| Retained earnings to average equity (ytd only) | 6.0792% | 2,613 |
| Net charge-offs to loans | 0.0194% | 1,712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 108.3158% | 936 |
| Efficiency ratio | 68.9358% | 1,840 |
| Assets per employee ($millions) | 5.0637% | 3,624 |
| Cash dividends to net income (ytd only)* | 28.7908% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 1,810 |
| Loan loss allowance to noncurrent loans | 306.3679% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 2,016 |
| Noncurrent loans to loans | 0.4307% | 1,633 |
| Net loans and leases to total assets | 51.8500% | 3,368 |
| Net loans and leases to deposits | 62.5136% | 3,158 |
| Net loans and leases to core deposits | 66.1717% | 3,124 |
| Total domestic deposits to total assets | 82.9400% | 3,434 |
| Equity capital to assets | 9.2989% | 2,157 |
| Core capital (leverage) ratio | 11.1597% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $186,808,400 | 3,129 |
| Average earning assets | $177,413,600 | 3,085 |
| Average equity | $18,308,400 | 3,100 |
| Average total loans | $98,099,400 | 3,177 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 1,420 |
| Cost of funding earning assets | 0.4631% | 918 |
| Net interest margin | 3.4631% | 1,769 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.3977% | 2,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9215% | 2,787 |
| Return on assets (ROA) | 0.9164% | 2,778 |
| Pretax return on assets | 1.2035% | 2,353 |
| Return on Equity (ROE) | 9.2300% | 2,963 |
| Retained earnings to average equity (ytd only) | 8.5121% | 1,818 |
| Net charge-offs to loans | -0.0531% | 4,324 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.4621% | 2,220 |
| Assets per employee ($millions) | 5.4580% | 3,269 |
| Cash dividends to net income (ytd only)* | 7.7942% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 1,750 |
| Loan loss allowance to noncurrent loans | 152.3596% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 1,162 |
| Noncurrent loans to loans | 0.8943% | 877 |
| Net loans and leases to total assets | 51.3800% | 3,349 |
| Net loans and leases to deposits | 64.2125% | 2,853 |
| Net loans and leases to core deposits | 68.1021% | 2,793 |
| Total domestic deposits to total assets | 80.0200% | 4,094 |
| Equity capital to assets | 9.0226% | 2,200 |
| Core capital (leverage) ratio | 11.1257% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $186,671,500 | 3,154 |
| Average earning assets | $177,641,500 | 3,103 |
| Average equity | $18,530,000 | 3,110 |
| Average total loans | $98,015,000 | 3,188 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8716% | 1,167 |
| Cost of funding earning assets | 0.4245% | 783 |
| Net interest margin | 3.4470% | 1,466 |
| Noninterest income to average assets | 0.3218% | 3,248 |
| Noninterest expense to average assets | 2.3594% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9572% | 2,326 |
| Return on assets (ROA) | 0.9470% | 2,346 |
| Pretax return on assets | 1.2461% | 1,911 |
| Return on Equity (ROE) | 9.2504% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.1956% | 1,549 |
| Net charge-offs to loans | -0.0349% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2044% | 2,619 |
| Assets per employee ($millions) | 5.0920% | 3,598 |
| Cash dividends to net income (ytd only)* | 11.4025% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 1,971 |
| Loan loss allowance to noncurrent loans | 185.1595% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 1,470 |
| Noncurrent loans to loans | 0.7276% | 1,186 |
| Net loans and leases to total assets | 51.8882% | 3,166 |
| Net loans and leases to deposits | 60.9427% | 2,979 |
| Net loans and leases to core deposits | 65.3066% | 2,873 |
| Total domestic deposits to total assets | 85.1426% | 3,454 |
| Equity capital to assets | 9.3251% | 2,145 |
| Core capital (leverage) ratio | 11.1943% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,218,333 | 3,198 |
| Average earning assets | $177,138,333 | 3,156 |
| Average equity | $18,961,333 | 3,154 |
| Average total loans | $97,514,333 | 3,219 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 1,221 |
| Cost of funding earning assets | 0.4209% | 772 |
| Net interest margin | 3.3085% | 1,546 |
| Noninterest income to average assets | 0.2527% | 3,630 |
| Noninterest expense to average assets | 2.3984% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7973% | 2,666 |
| Return on assets (ROA) | 0.7973% | 2,656 |
| Pretax return on assets | 1.0391% | 2,327 |
| Return on Equity (ROE) | 7.4475% | 2,889 |
| Retained earnings to average equity (ytd only) | 7.4475% | 1,748 |
| Net charge-offs to loans | -0.0868% | 4,417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7719% | 2,264 |
| Assets per employee ($millions) | 4.9131% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 1,986 |
| Loan loss allowance to noncurrent loans | 128.0115% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 914 |
| Noncurrent loans to loans | 1.0787% | 832 |
| Net loans and leases to total assets | 51.2215% | 3,045 |
| Net loans and leases to deposits | 60.0375% | 2,908 |
| Net loans and leases to core deposits | 65.2477% | 2,694 |
| Total domestic deposits to total assets | 85.3158% | 3,467 |
| Equity capital to assets | 10.1705% | 1,777 |
| Core capital (leverage) ratio | 11.1180% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,625,000 | 3,219 |
| Average earning assets | $176,755,000 | 3,169 |
| Average equity | $19,657,500 | 3,171 |
| Average total loans | $96,724,000 | 3,236 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 1,281 |
| Cost of funding earning assets | 0.4600% | 1,129 |
| Net interest margin | 3.5744% | 1,537 |
| Noninterest income to average assets | 0.3312% | 3,430 |
| Noninterest expense to average assets | 2.3722% | 2,580 |
| Loan and lease loss provision to assets | 0.1231% | 998 |
| Net operating income to assets | 0.9951% | 2,694 |
| Return on assets (ROA) | 0.9983% | 2,743 |
| Pretax return on assets | 1.3044% | 2,343 |
| Return on Equity (ROE) | 8.6896% | 3,014 |
| Retained earnings to average equity (ytd only) | 6.2083% | 2,268 |
| Net charge-offs to loans | 0.1056% | 828 |
| Credit loss provision to net charge-offs | 207.6923% | 1,290 |
| Earnings coverage of net charge-offs (x) | 24.0096% | 1,759 |
| Efficiency ratio | 62.4962% | 2,794 |
| Assets per employee ($millions) | 5.1587% | 3,590 |
| Cash dividends to net income (ytd only)* | 28.5551% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 2,064 |
| Loan loss allowance to noncurrent loans | 106.1142% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 774 |
| Noncurrent loans to loans | 1.2883% | 740 |
| Net loans and leases to total assets | 52.7053% | 2,985 |
| Net loans and leases to deposits | 62.7790% | 2,799 |
| Net loans and leases to core deposits | 69.4890% | 2,505 |
| Total domestic deposits to total assets | 83.9537% | 3,575 |
| Equity capital to assets | 11.2582% | 1,628 |
| Core capital (leverage) ratio | 11.3182% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,405,800 | 3,248 |
| Average earning assets | $170,016,400 | 3,187 |
| Average equity | $20,150,600 | 3,201 |
| Average total loans | $98,449,200 | 3,219 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1247% | 1,250 |
| Cost of funding earning assets | 0.4691% | 1,222 |
| Net interest margin | 3.6556% | 1,448 |
| Noninterest income to average assets | 0.3408% | 3,408 |
| Noninterest expense to average assets | 2.3569% | 2,579 |
| Loan and lease loss provision to assets | 0.1154% | 1,042 |
| Net operating income to assets | 1.0807% | 2,624 |
| Return on assets (ROA) | 1.0843% | 2,670 |
| Pretax return on assets | 1.4174% | 2,261 |
| Return on Equity (ROE) | 9.3898% | 2,970 |
| Retained earnings to average equity (ytd only) | 8.7266% | 1,795 |
| Net charge-offs to loans | -0.0054% | 3,456 |
| Credit loss provision to net charge-offs | -3,775.0000% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6622% | 2,886 |
| Assets per employee ($millions) | 5.4507% | 3,249 |
| Cash dividends to net income (ytd only)* | 7.0621% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 2,067 |
| Loan loss allowance to noncurrent loans | 92.5221% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.9151% | 745 |
| Noncurrent loans to loans | 1.5005% | 701 |
| Net loans and leases to total assets | 53.7454% | 3,000 |
| Net loans and leases to deposits | 64.3288% | 2,813 |
| Net loans and leases to core deposits | 71.8104% | 2,440 |
| Total domestic deposits to total assets | 83.5479% | 3,573 |
| Equity capital to assets | 11.5403% | 1,638 |
| Core capital (leverage) ratio | 11.4233% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,119,000 | 3,293 |
| Average earning assets | $168,831,500 | 3,224 |
| Average equity | $20,106,500 | 3,239 |
| Average total loans | $98,941,500 | 3,256 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 1,311 |
| Cost of funding earning assets | 0.4772% | 1,349 |
| Net interest margin | 3.6448% | 1,483 |
| Noninterest income to average assets | 0.3612% | 3,292 |
| Noninterest expense to average assets | 2.3566% | 2,600 |
| Loan and lease loss provision to assets | 0.1185% | 1,068 |
| Net operating income to assets | 1.0844% | 2,594 |
| Return on assets (ROA) | 1.0871% | 2,657 |
| Pretax return on assets | 1.4204% | 2,270 |
| Return on Equity (ROE) | 9.4121% | 2,975 |
| Retained earnings to average equity (ytd only) | 8.4065% | 1,932 |
| Net charge-offs to loans | -0.0504% | 4,375 |
| Credit loss provision to net charge-offs | -408.0000% | 3,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5491% | 2,935 |
| Assets per employee ($millions) | 5.4451% | 3,189 |
| Cash dividends to net income (ytd only)* | 10.6838% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,259 |
| Loan loss allowance to noncurrent loans | 112.9661% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 1,088 |
| Noncurrent loans to loans | 1.1829% | 1,018 |
| Net loans and leases to total assets | 54.7747% | 3,043 |
| Net loans and leases to deposits | 65.1118% | 2,889 |
| Net loans and leases to core deposits | 72.7556% | 2,544 |
| Total domestic deposits to total assets | 84.1241% | 3,389 |
| Equity capital to assets | 11.2418% | 1,796 |
| Core capital (leverage) ratio | 11.1866% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,200,667 | 3,314 |
| Average earning assets | $166,811,000 | 3,253 |
| Average equity | $19,889,333 | 3,255 |
| Average total loans | $99,243,667 | 3,266 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 1,322 |
| Cost of funding earning assets | 0.4854% | 1,483 |
| Net interest margin | 3.6456% | 1,462 |
| Noninterest income to average assets | 0.3134% | 3,530 |
| Noninterest expense to average assets | 2.3507% | 2,648 |
| Loan and lease loss provision to assets | 0.1163% | 1,178 |
| Net operating income to assets | 1.0553% | 2,617 |
| Return on assets (ROA) | 1.0590% | 2,687 |
| Pretax return on assets | 1.3820% | 2,334 |
| Return on Equity (ROE) | 9.0402% | 3,024 |
| Retained earnings to average equity (ytd only) | 9.0402% | 1,945 |
| Net charge-offs to loans | -0.0970% | 4,630 |
| Credit loss provision to net charge-offs | -204.1667% | 2,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1489% | 2,883 |
| Assets per employee ($millions) | 5.7306% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,570 |
| Loan loss allowance to noncurrent loans | 94.7407% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.8866% | 984 |
| Noncurrent loans to loans | 1.3413% | 961 |
| Net loans and leases to total assets | 55.9365% | 3,044 |
| Net loans and leases to deposits | 66.5417% | 2,859 |
| Net loans and leases to core deposits | 75.0217% | 2,430 |
| Total domestic deposits to total assets | 84.0623% | 3,413 |
| Equity capital to assets | 11.1687% | 1,743 |
| Core capital (leverage) ratio | 11.7251% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,457,500 | 3,354 |
| Average earning assets | $163,155,000 | 3,281 |
| Average equity | $19,734,000 | 3,264 |
| Average total loans | $98,987,500 | 3,274 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 811 |
| Cost of funding earning assets | 0.6361% | 2,080 |
| Net interest margin | 4.1122% | 761 |
| Noninterest income to average assets | 0.3592% | 3,312 |
| Noninterest expense to average assets | 2.6630% | 2,349 |
| Loan and lease loss provision to assets | 0.2684% | 1,432 |
| Net operating income to assets | 1.0704% | 2,025 |
| Return on assets (ROA) | 1.0730% | 2,157 |
| Pretax return on assets | 1.3898% | 1,687 |
| Return on Equity (ROE) | 8.5417% | 2,580 |
| Retained earnings to average equity (ytd only) | 6.1676% | 1,724 |
| Net charge-offs to loans | 0.2179% | 800 |
| Credit loss provision to net charge-offs | 188.3721% | 2,220 |
| Earnings coverage of net charge-offs (x) | 11.6140% | 2,392 |
| Efficiency ratio | 61.6731% | 3,193 |
| Assets per employee ($millions) | 4.9771% | 3,416 |
| Cash dividends to net income (ytd only)* | 27.7949% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,752 |
| Loan loss allowance to noncurrent loans | 130.2376% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.7227% | 1,437 |
| Noncurrent loans to loans | 0.9514% | 1,485 |
| Net loans and leases to total assets | 60.3515% | 2,811 |
| Net loans and leases to deposits | 73.1384% | 2,575 |
| Net loans and leases to core deposits | 83.1430% | 2,112 |
| Total domestic deposits to total assets | 82.5168% | 3,530 |
| Equity capital to assets | 12.3233% | 1,408 |
| Core capital (leverage) ratio | 12.0941% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,880,600 | 3,401 |
| Average earning assets | $145,251,400 | 3,322 |
| Average equity | $18,954,000 | 3,284 |
| Average total loans | $98,685,000 | 3,251 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 1,074 |
| Cost of funding earning assets | 0.6645% | 2,231 |
| Net interest margin | 4.0327% | 1,044 |
| Noninterest income to average assets | 0.3334% | 3,484 |
| Noninterest expense to average assets | 2.7045% | 2,240 |
| Loan and lease loss provision to assets | 0.2554% | 1,592 |
| Net operating income to assets | 0.9598% | 2,491 |
| Return on assets (ROA) | 0.9633% | 2,608 |
| Pretax return on assets | 1.2555% | 2,208 |
| Return on Equity (ROE) | 7.6297% | 2,944 |
| Retained earnings to average equity (ytd only) | 6.9200% | 1,734 |
| Net charge-offs to loans | 0.1885% | 795 |
| Credit loss provision to net charge-offs | 203.5714% | 2,106 |
| Earnings coverage of net charge-offs (x) | 12.0071% | 2,270 |
| Efficiency ratio | 64.2264% | 2,699 |
| Assets per employee ($millions) | 4.9955% | 3,256 |
| Cash dividends to net income (ytd only)* | 9.3023% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,178 |
| Loan loss allowance to noncurrent loans | 122.3393% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 1,587 |
| Noncurrent loans to loans | 0.9041% | 1,653 |
| Net loans and leases to total assets | 64.9337% | 2,644 |
| Net loans and leases to deposits | 80.4777% | 2,268 |
| Net loans and leases to core deposits | 92.7532% | 1,732 |
| Total domestic deposits to total assets | 80.6852% | 3,728 |
| Equity capital to assets | 12.1590% | 1,599 |
| Core capital (leverage) ratio | 12.0150% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,784,000 | 3,408 |
| Average earning assets | $143,059,000 | 3,331 |
| Average equity | $18,785,750 | 3,300 |
| Average total loans | $99,024,750 | 3,257 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 1,141 |
| Cost of funding earning assets | 0.6951% | 2,416 |
| Net interest margin | 4.1164% | 1,080 |
| Noninterest income to average assets | 0.3405% | 3,433 |
| Noninterest expense to average assets | 2.7830% | 2,132 |
| Loan and lease loss provision to assets | 0.3019% | 1,429 |
| Net operating income to assets | 0.9313% | 2,576 |
| Return on assets (ROA) | 0.9346% | 2,692 |
| Pretax return on assets | 1.2185% | 2,302 |
| Return on Equity (ROE) | 7.3026% | 3,008 |
| Retained earnings to average equity (ytd only) | 6.2255% | 1,972 |
| Net charge-offs to loans | 0.2205% | 702 |
| Credit loss provision to net charge-offs | 204.6729% | 1,889 |
| Earnings coverage of net charge-offs (x) | 10.2804% | 2,161 |
| Efficiency ratio | 64.7323% | 2,706 |
| Assets per employee ($millions) | 5.2606% | 2,876 |
| Cash dividends to net income (ytd only)* | 14.7493% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 3,273 |
| Loan loss allowance to noncurrent loans | 122.6087% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 1,697 |
| Noncurrent loans to loans | 0.8665% | 1,760 |
| Net loans and leases to total assets | 66.5632% | 2,550 |
| Net loans and leases to deposits | 82.7137% | 2,122 |
| Net loans and leases to core deposits | 95.3136% | 1,633 |
| Total domestic deposits to total assets | 80.4742% | 3,732 |
| Equity capital to assets | 12.0855% | 1,615 |
| Core capital (leverage) ratio | 12.1762% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,093,000 | 3,428 |
| Average earning assets | $139,540,667 | 3,353 |
| Average equity | $18,568,667 | 3,318 |
| Average total loans | $97,045,667 | 3,283 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9618% | 1,042 |
| Cost of funding earning assets | 0.7491% | 2,671 |
| Net interest margin | 4.2127% | 897 |
| Noninterest income to average assets | 0.4183% | 2,982 |
| Noninterest expense to average assets | 2.9193% | 2,072 |
| Loan and lease loss provision to assets | 0.2654% | 1,175 |
| Net operating income to assets | 0.9808% | 2,242 |
| Return on assets (ROA) | 0.9808% | 2,346 |
| Pretax return on assets | 1.2895% | 1,896 |
| Return on Equity (ROE) | 7.4533% | 2,759 |
| Retained earnings to average equity (ytd only) | 7.4533% | 1,393 |
| Net charge-offs to loans | 0.1125% | 1,027 |
| Credit loss provision to net charge-offs | 353.8462% | 1,074 |
| Earnings coverage of net charge-offs (x) | 20.7308% | 1,402 |
| Efficiency ratio | 65.2482% | 3,055 |
| Assets per employee ($millions) | 4.3675% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 2,882 |
| Loan loss allowance to noncurrent loans | 176.2215% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 2,021 |
| Noncurrent loans to loans | 0.6580% | 2,343 |
| Net loans and leases to total assets | 65.9893% | 2,817 |
| Net loans and leases to deposits | 81.6492% | 2,496 |
| Net loans and leases to core deposits | 95.9888% | 1,790 |
| Total domestic deposits to total assets | 80.8206% | 3,704 |
| Equity capital to assets | 13.1670% | 1,356 |
| Core capital (leverage) ratio | 13.3088% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,661,500 | 3,473 |
| Average earning assets | $133,499,500 | 3,405 |
| Average equity | $18,247,000 | 3,349 |
| Average total loans | $92,480,500 | 3,354 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9672% | 1,560 |
| Cost of funding earning assets | 0.7626% | 2,858 |
| Net interest margin | 4.2046% | 1,311 |
| Noninterest income to average assets | 0.3611% | 3,540 |
| Noninterest expense to average assets | 2.9030% | 2,283 |
| Loan and lease loss provision to assets | 0.2100% | 955 |
| Net operating income to assets | 1.0047% | 2,831 |
| Return on assets (ROA) | 1.0047% | 2,919 |
| Pretax return on assets | 1.2879% | 2,547 |
| Return on Equity (ROE) | 7.5451% | 3,344 |
| Retained earnings to average equity (ytd only) | 4.7086% | 2,580 |
| Net charge-offs to loans | 0.0974% | 1,748 |
| Credit loss provision to net charge-offs | 327.0588% | 852 |
| Earnings coverage of net charge-offs (x) | 23.3294% | 1,817 |
| Efficiency ratio | 65.9629% | 2,773 |
| Assets per employee ($millions) | 4.1686% | 3,673 |
| Cash dividends to net income (ytd only)* | 37.5940% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 2,901 |
| Loan loss allowance to noncurrent loans | 162.3003% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.6186% | 2,037 |
| Noncurrent loans to loans | 0.6830% | 2,180 |
| Net loans and leases to total assets | 65.8872% | 2,966 |
| Net loans and leases to deposits | 83.6474% | 2,367 |
| Net loans and leases to core deposits | 98.3805% | 1,702 |
| Total domestic deposits to total assets | 78.7677% | 4,226 |
| Equity capital to assets | 13.1517% | 1,435 |
| Core capital (leverage) ratio | 13.2716% | 1,126 |
| Tier 1 risk-based capital ratio | 20.7262% | 1,215 |
| Total risk-based capital ratio | 21.8970% | 1,194 |
| Memoranda: | ||
| Average total assets | $132,381,000 | 3,533 |
| Average earning assets | $127,195,200 | 3,467 |
| Average equity | $17,627,400 | 3,376 |
| Average total loans | $87,257,200 | 3,462 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 1,630 |
| Cost of funding earning assets | 0.7597% | 2,920 |
| Net interest margin | 4.2074% | 1,364 |
| Noninterest income to average assets | 0.3672% | 3,516 |
| Noninterest expense to average assets | 2.9344% | 2,149 |
| Loan and lease loss provision to assets | 0.2166% | 797 |
| Net operating income to assets | 0.9836% | 3,037 |
| Return on assets (ROA) | 0.9836% | 3,118 |
| Pretax return on assets | 1.2551% | 2,800 |
| Return on Equity (ROE) | 7.3627% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.2206% | 2,274 |
| Net charge-offs to loans | 0.1315% | 1,209 |
| Credit loss provision to net charge-offs | 250.5882% | 1,089 |
| Earnings coverage of net charge-offs (x) | 17.0236% | 2,114 |
| Efficiency ratio | 66.5974% | 2,652 |
| Assets per employee ($millions) | 4.2120% | 3,597 |
| Cash dividends to net income (ytd only)* | 15.5123% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,148 |
| Loan loss allowance to noncurrent loans | 143.2229% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6596% | 2,039 |
| Noncurrent loans to loans | 0.7511% | 2,085 |
| Net loans and leases to total assets | 64.8848% | 3,196 |
| Net loans and leases to deposits | 79.5421% | 2,950 |
| Net loans and leases to core deposits | 93.7664% | 2,200 |
| Total domestic deposits to total assets | 81.5729% | 3,596 |
| Equity capital to assets | 13.4058% | 1,402 |
| Core capital (leverage) ratio | 13.5379% | 1,120 |
| Tier 1 risk-based capital ratio | 21.2696% | 1,157 |
| Total risk-based capital ratio | 22.3950% | 1,155 |
| Memoranda: | ||
| Average total assets | $131,085,250 | 3,587 |
| Average earning assets | $125,839,750 | 3,519 |
| Average equity | $17,511,250 | 3,414 |
| Average total loans | $86,158,250 | 3,522 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9294% | 1,666 |
| Cost of funding earning assets | 0.7489% | 2,899 |
| Net interest margin | 4.1805% | 1,406 |
| Noninterest income to average assets | 0.3573% | 3,540 |
| Noninterest expense to average assets | 2.9665% | 2,094 |
| Loan and lease loss provision to assets | 0.2125% | 789 |
| Net operating income to assets | 0.9426% | 3,117 |
| Return on assets (ROA) | 0.9426% | 3,185 |
| Pretax return on assets | 1.1937% | 2,924 |
| Return on Equity (ROE) | 7.0648% | 3,654 |
| Retained earnings to average equity (ytd only) | 5.3332% | 2,606 |
| Net charge-offs to loans | 0.1194% | 1,238 |
| Credit loss provision to net charge-offs | 270.5882% | 960 |
| Earnings coverage of net charge-offs (x) | 17.9020% | 1,874 |
| Efficiency ratio | 67.8408% | 2,560 |
| Assets per employee ($millions) | 3.9228% | 3,973 |
| Cash dividends to net income (ytd only)* | 24.5098% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 3,462 |
| Loan loss allowance to noncurrent loans | 128.1690% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 1,954 |
| Noncurrent loans to loans | 0.8013% | 1,992 |
| Net loans and leases to total assets | 65.7489% | 3,143 |
| Net loans and leases to deposits | 78.3524% | 3,127 |
| Net loans and leases to core deposits | 90.8311% | 2,531 |
| Total domestic deposits to total assets | 83.9144% | 2,903 |
| Equity capital to assets | 13.2545% | 1,467 |
| Core capital (leverage) ratio | 13.3282% | 1,178 |
| Tier 1 risk-based capital ratio | 20.4920% | 1,257 |
| Total risk-based capital ratio | 21.5504% | 1,261 |
| Memoranda: | ||
| Average total assets | $129,852,000 | 3,621 |
| Average earning assets | $124,721,330 | 3,550 |
| Average equity | $17,325,330 | 3,429 |
| Average total loans | $85,409,000 | 3,561 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8702% | 1,686 |
| Cost of funding earning assets | 0.7418% | 2,826 |
| Net interest margin | 4.1284% | 1,483 |
| Noninterest income to average assets | 0.3029% | 3,854 |
| Noninterest expense to average assets | 2.9635% | 2,096 |
| Loan and lease loss provision to assets | 0.1811% | 913 |
| Net operating income to assets | 0.9056% | 3,213 |
| Return on assets (ROA) | 0.9056% | 3,262 |
| Pretax return on assets | 1.1211% | 3,088 |
| Return on Equity (ROE) | 6.7642% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.7642% | 2,129 |
| Net charge-offs to loans | 0.0955% | 1,178 |
| Credit loss provision to net charge-offs | 290.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 20.8500% | 1,544 |
| Efficiency ratio | 69.4729% | 2,426 |
| Assets per employee ($millions) | 3.8300% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,681 |
| Loan loss allowance to noncurrent loans | 108.8496% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 1,806 |
| Noncurrent loans to loans | 0.9220% | 1,812 |
| Net loans and leases to total assets | 65.2230% | 3,145 |
| Net loans and leases to deposits | 77.5646% | 3,109 |
| Net loans and leases to core deposits | 90.4843% | 2,445 |
| Total domestic deposits to total assets | 84.0886% | 3,023 |
| Equity capital to assets | 13.3273% | 1,281 |
| Core capital (leverage) ratio | 13.5708% | 1,069 |
| Tier 1 risk-based capital ratio | 21.1916% | 1,139 |
| Total risk-based capital ratio | 22.2375% | 1,147 |
| Memoranda: | ||
| Average total assets | $128,091,000 | 3,679 |
| Average earning assets | $122,952,000 | 3,615 |
| Average equity | $17,149,000 | 3,466 |
| Average total loans | $83,812,500 | 3,616 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5023% | 2,451 |
| Cost of funding earning assets | 0.6148% | 2,619 |
| Net interest margin | 3.8876% | 2,370 |
| Noninterest income to average assets | 0.3993% | 3,447 |
| Noninterest expense to average assets | 2.8376% | 2,557 |
| Loan and lease loss provision to assets | 0.0623% | 2,912 |
| Net operating income to assets | 0.9648% | 3,158 |
| Return on assets (ROA) | 0.9648% | 3,157 |
| Pretax return on assets | 1.2315% | 2,769 |
| Return on Equity (ROE) | 7.2538% | 3,745 |
| Retained earnings to average equity (ytd only) | 4.5516% | 3,022 |
| Net charge-offs to loans | 0.1057% | 1,699 |
| Credit loss provision to net charge-offs | 90.6977% | 2,709 |
| Earnings coverage of net charge-offs (x) | 18.8372% | 2,108 |
| Efficiency ratio | 68.6835% | 2,437 |
| Assets per employee ($millions) | 3.8170% | 4,154 |
| Cash dividends to net income (ytd only)* | 37.2517% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 3,650 |
| Loan loss allowance to noncurrent loans | 94.4891% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 1,600 |
| Noncurrent loans to loans | 1.0644% | 1,534 |
| Net loans and leases to total assets | 64.3112% | 3,323 |
| Net loans and leases to deposits | 78.3032% | 3,133 |
| Net loans and leases to core deposits | 91.1984% | 2,479 |
| Total domestic deposits to total assets | 82.1310% | 3,610 |
| Equity capital to assets | 13.4510% | 1,165 |
| Core capital (leverage) ratio | 13.6324% | 1,029 |
| Tier 1 risk-based capital ratio | 21.6816% | 1,072 |
| Total risk-based capital ratio | 22.7217% | 1,079 |
| Memoranda: | ||
| Average total assets | $125,211,000 | 3,711 |
| Average earning assets | $120,204,000 | 3,640 |
| Average equity | $16,653,400 | 3,443 |
| Average total loans | $81,334,400 | 3,642 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 2,530 |
| Cost of funding earning assets | 0.5866% | 2,572 |
| Net interest margin | 3.8435% | 2,490 |
| Noninterest income to average assets | 0.3946% | 3,514 |
| Noninterest expense to average assets | 2.8101% | 2,603 |
| Loan and lease loss provision to assets | 0.0267% | 3,476 |
| Net operating income to assets | 0.9833% | 3,167 |
| Return on assets (ROA) | 0.9833% | 3,175 |
| Pretax return on assets | 1.2541% | 2,798 |
| Return on Equity (ROE) | 7.4139% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.2078% | 2,545 |
| Net charge-offs to loans | 0.0558% | 2,021 |
| Credit loss provision to net charge-offs | 73.5294% | 2,597 |
| Earnings coverage of net charge-offs (x) | 35.3252% | 1,456 |
| Efficiency ratio | 68.6913% | 2,409 |
| Assets per employee ($millions) | 4.0519% | 3,804 |
| Cash dividends to net income (ytd only)* | 16.2694% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,684 |
| Loan loss allowance to noncurrent loans | 220.3753% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,778 |
| Noncurrent loans to loans | 0.4593% | 3,009 |
| Net loans and leases to total assets | 64.0042% | 3,424 |
| Net loans and leases to deposits | 77.2012% | 3,304 |
| Net loans and leases to core deposits | 92.1750% | 2,462 |
| Total domestic deposits to total assets | 82.9057% | 3,340 |
| Equity capital to assets | 13.4425% | 1,158 |
| Core capital (leverage) ratio | 13.5915% | 1,067 |
| Tier 1 risk-based capital ratio | 22.3159% | 1,006 |
| Total risk-based capital ratio | 23.3842% | 1,012 |
| Memoranda: | ||
| Average total assets | $125,023,500 | 3,751 |
| Average earning assets | $120,234,000 | 3,677 |
| Average equity | $16,581,000 | 3,474 |
| Average total loans | $81,210,500 | 3,671 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3450% | 2,608 |
| Cost of funding earning assets | 0.5662% | 2,463 |
| Net interest margin | 3.7788% | 2,641 |
| Noninterest income to average assets | 0.4070% | 3,436 |
| Noninterest expense to average assets | 2.7894% | 2,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9805% | 3,105 |
| Return on assets (ROA) | 0.9805% | 3,112 |
| Pretax return on assets | 1.2529% | 2,715 |
| Return on Equity (ROE) | 7.4273% | 3,754 |
| Retained earnings to average equity (ytd only) | 5.6069% | 2,767 |
| Net charge-offs to loans | -0.0148% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0052% | 2,487 |
| Assets per employee ($millions) | 3.9453% | 3,994 |
| Cash dividends to net income (ytd only)* | 24.5098% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 3,605 |
| Loan loss allowance to noncurrent loans | 183.9560% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 2,611 |
| Noncurrent loans to loans | 0.5644% | 2,729 |
| Net loans and leases to total assets | 63.1945% | 3,490 |
| Net loans and leases to deposits | 75.1189% | 3,432 |
| Net loans and leases to core deposits | 89.0753% | 2,640 |
| Total domestic deposits to total assets | 84.1259% | 3,015 |
| Equity capital to assets | 13.1731% | 1,235 |
| Core capital (leverage) ratio | 13.5929% | 1,038 |
| Tier 1 risk-based capital ratio | 21.6788% | 1,078 |
| Total risk-based capital ratio | 22.7550% | 1,076 |
| Memoranda: | ||
| Average total assets | $124,828,330 | 3,777 |
| Average earning assets | $120,092,000 | 3,711 |
| Average equity | $16,479,670 | 3,507 |
| Average total loans | $81,208,330 | 3,692 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3278% | 2,428 |
| Cost of funding earning assets | 0.5468% | 2,430 |
| Net interest margin | 3.7809% | 2,500 |
| Noninterest income to average assets | 0.3223% | 4,000 |
| Noninterest expense to average assets | 2.7651% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9378% | 3,120 |
| Return on assets (ROA) | 0.9378% | 3,137 |
| Pretax return on assets | 1.1892% | 2,804 |
| Return on Equity (ROE) | 7.0958% | 3,749 |
| Retained earnings to average equity (ytd only) | 7.0958% | 2,238 |
| Net charge-offs to loans | -0.0344% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9267% | 2,494 |
| Assets per employee ($millions) | 4.1691% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,794 |
| Loan loss allowance to noncurrent loans | 190.4545% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 2,749 |
| Noncurrent loans to loans | 0.5395% | 2,908 |
| Net loans and leases to total assets | 64.5404% | 3,237 |
| Net loans and leases to deposits | 77.1581% | 3,097 |
| Net loans and leases to core deposits | 90.8428% | 2,386 |
| Total domestic deposits to total assets | 83.6470% | 3,454 |
| Equity capital to assets | 13.1868% | 1,162 |
| Core capital (leverage) ratio | 13.4122% | 1,034 |
| Tier 1 risk-based capital ratio | 22.0060% | 1,049 |
| Total risk-based capital ratio | 23.1109% | 1,048 |
| Memoranda: | ||
| Average total assets | $124,117,500 | 3,828 |
| Average earning assets | $119,230,500 | 3,761 |
| Average equity | $16,404,000 | 3,543 |
| Average total loans | $81,502,500 | 3,722 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 2,935 |
| Cost of funding earning assets | 0.5206% | 2,173 |
| Net interest margin | 3.6132% | 3,123 |
| Noninterest income to average assets | 0.3851% | 3,730 |
| Noninterest expense to average assets | 2.7842% | 2,829 |
| Loan and lease loss provision to assets | 0.1869% | 1,134 |
| Net operating income to assets | 0.6125% | 3,956 |
| Return on assets (ROA) | 0.6491% | 3,860 |
| Pretax return on assets | 0.9484% | 3,744 |
| Return on Equity (ROE) | 4.9791% | 4,166 |
| Retained earnings to average equity (ytd only) | 2.5911% | 3,769 |
| Net charge-offs to loans | 0.1609% | 1,517 |
| Credit loss provision to net charge-offs | 187.9032% | 1,448 |
| Earnings coverage of net charge-offs (x) | 10.8710% | 2,625 |
| Efficiency ratio | 72.0216% | 2,222 |
| Assets per employee ($millions) | 3.9730% | 4,004 |
| Cash dividends to net income (ytd only)* | 47.9604% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 3,809 |
| Loan loss allowance to noncurrent loans | 193.7063% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5310% | 2,785 |
| Noncurrent loans to loans | 0.5267% | 2,933 |
| Net loans and leases to total assets | 65.4531% | 3,164 |
| Net loans and leases to deposits | 79.4712% | 2,973 |
| Net loans and leases to core deposits | 95.2051% | 2,095 |
| Total domestic deposits to total assets | 82.3608% | 3,770 |
| Equity capital to assets | 13.2467% | 1,148 |
| Core capital (leverage) ratio | 13.2672% | 1,049 |
| Tier 1 risk-based capital ratio | 20.9134% | 1,158 |
| Total risk-based capital ratio | 21.9732% | 1,165 |
| Memoranda: | ||
| Average total assets | $124,633,800 | 3,828 |
| Average earning assets | $120,059,200 | 3,746 |
| Average equity | $16,247,800 | 3,563 |
| Average total loans | $77,082,200 | 3,802 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0556% | 3,154 |
| Cost of funding earning assets | 0.5111% | 2,178 |
| Net interest margin | 3.5445% | 3,335 |
| Noninterest income to average assets | 0.3861% | 3,779 |
| Noninterest expense to average assets | 2.7284% | 2,964 |
| Loan and lease loss provision to assets | 0.1920% | 1,004 |
| Net operating income to assets | 0.6305% | 4,272 |
| Return on assets (ROA) | 0.6752% | 4,159 |
| Pretax return on assets | 0.9461% | 3,884 |
| Return on Equity (ROE) | 5.1998% | 4,447 |
| Retained earnings to average equity (ytd only) | 4.1730% | 3,417 |
| Net charge-offs to loans | 0.1983% | 1,073 |
| Credit loss provision to net charge-offs | 159.2920% | 1,608 |
| Earnings coverage of net charge-offs (x) | 8.9205% | 2,730 |
| Efficiency ratio | 71.7330% | 2,238 |
| Assets per employee ($millions) | 3.9021% | 4,158 |
| Cash dividends to net income (ytd only)* | 19.7469% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 4,128 |
| Loan loss allowance to noncurrent loans | 158.1162% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5798% | 2,780 |
| Noncurrent loans to loans | 0.6247% | 2,836 |
| Net loans and leases to total assets | 63.3370% | 3,511 |
| Net loans and leases to deposits | 77.1934% | 3,253 |
| Net loans and leases to core deposits | 91.5306% | 2,491 |
| Total domestic deposits to total assets | 82.0497% | 3,763 |
| Equity capital to assets | 13.2229% | 1,284 |
| Core capital (leverage) ratio | 13.1133% | 1,163 |
| Tier 1 risk-based capital ratio | 21.5227% | 1,110 |
| Total risk-based capital ratio | 22.5537% | 1,126 |
| Memoranda: | ||
| Average total assets | $125,001,500 | 3,861 |
| Average earning assets | $120,522,500 | 3,777 |
| Average equity | $16,231,000 | 3,600 |
| Average total loans | $75,991,500 | 3,860 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 3,348 |
| Cost of funding earning assets | 0.5091% | 2,101 |
| Net interest margin | 3.4508% | 3,588 |
| Noninterest income to average assets | 0.4318% | 3,478 |
| Noninterest expense to average assets | 2.7126% | 3,049 |
| Loan and lease loss provision to assets | 0.2079% | 865 |
| Net operating income to assets | 0.6043% | 4,284 |
| Return on assets (ROA) | 0.6734% | 4,025 |
| Pretax return on assets | 0.9357% | 3,806 |
| Return on Equity (ROE) | 5.2176% | 4,390 |
| Retained earnings to average equity (ytd only) | 3.6684% | 3,519 |
| Net charge-offs to loans | 0.1955% | 1,031 |
| Credit loss provision to net charge-offs | 178.0822% | 1,365 |
| Earnings coverage of net charge-offs (x) | 8.9726% | 2,472 |
| Efficiency ratio | 72.1395% | 2,310 |
| Assets per employee ($millions) | 3.7364% | 4,378 |
| Cash dividends to net income (ytd only)* | 29.6912% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 4,247 |
| Loan loss allowance to noncurrent loans | 104.1444% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 2,104 |
| Noncurrent loans to loans | 0.9446% | 2,076 |
| Net loans and leases to total assets | 61.7188% | 3,661 |
| Net loans and leases to deposits | 73.0598% | 3,640 |
| Net loans and leases to core deposits | 85.8850% | 2,890 |
| Total domestic deposits to total assets | 84.4772% | 3,019 |
| Equity capital to assets | 12.8449% | 1,448 |
| Core capital (leverage) ratio | 12.8752% | 1,227 |
| Tier 1 risk-based capital ratio | 21.4203% | 1,125 |
| Total risk-based capital ratio | 22.4466% | 1,135 |
| Memoranda: | ||
| Average total assets | $125,046,330 | 3,880 |
| Average earning assets | $120,610,000 | 3,795 |
| Average equity | $16,137,670 | 3,623 |
| Average total loans | $74,696,670 | 3,905 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 3,297 |
| Cost of funding earning assets | 0.5017% | 2,075 |
| Net interest margin | 3.4247% | 3,550 |
| Noninterest income to average assets | 0.4676% | 3,203 |
| Noninterest expense to average assets | 2.7247% | 3,053 |
| Loan and lease loss provision to assets | 0.0967% | 1,940 |
| Net operating income to assets | 0.6836% | 3,772 |
| Return on assets (ROA) | 0.6836% | 3,810 |
| Pretax return on assets | 0.9480% | 3,594 |
| Return on Equity (ROE) | 5.2843% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.2843% | 2,743 |
| Net charge-offs to loans | 0.2374% | 756 |
| Credit loss provision to net charge-offs | 69.7674% | 1,839 |
| Earnings coverage of net charge-offs (x) | 7.5349% | 2,127 |
| Efficiency ratio | 72.2840% | 2,523 |
| Assets per employee ($millions) | 3.9777% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 4,453 |
| Loan loss allowance to noncurrent loans | 147.0954% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 3,687 |
| Noncurrent loans to loans | 0.6585% | 2,856 |
| Net loans and leases to total assets | 56.9477% | 4,074 |
| Net loans and leases to deposits | 67.2315% | 4,066 |
| Net loans and leases to core deposits | 78.8133% | 3,409 |
| Total domestic deposits to total assets | 84.7039% | 3,216 |
| Equity capital to assets | 12.6949% | 1,404 |
| Core capital (leverage) ratio | 12.9459% | 1,165 |
| Tier 1 risk-based capital ratio | 22.5055% | 1,031 |
| Total risk-based capital ratio | 23.4920% | 1,040 |
| Memoranda: | ||
| Average total assets | $124,050,000 | 3,931 |
| Average earning assets | $119,601,000 | 3,842 |
| Average equity | $16,047,500 | 3,658 |
| Average total loans | $72,452,000 | 3,991 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9657% | 3,327 |
| Cost of funding earning assets | 0.5175% | 1,956 |
| Net interest margin | 3.4482% | 3,634 |
| Noninterest income to average assets | 0.3918% | 3,953 |
| Noninterest expense to average assets | 2.6809% | 3,406 |
| Loan and lease loss provision to assets | 0.1279% | 1,941 |
| Net operating income to assets | 0.6797% | 3,872 |
| Return on assets (ROA) | 0.6863% | 3,954 |
| Pretax return on assets | 0.9156% | 3,793 |
| Return on Equity (ROE) | 5.3095% | 4,267 |
| Retained earnings to average equity (ytd only) | 2.9753% | 3,783 |
| Net charge-offs to loans | 0.3593% | 759 |
| Credit loss provision to net charge-offs | 62.5984% | 3,210 |
| Earnings coverage of net charge-offs (x) | 5.0630% | 3,394 |
| Efficiency ratio | 72.1524% | 2,568 |
| Assets per employee ($millions) | 3.8972% | 4,145 |
| Cash dividends to net income (ytd only)* | 43.9625% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 4,280 |
| Loan loss allowance to noncurrent loans | 250.6944% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 4,107 |
| Noncurrent loans to loans | 0.4016% | 3,709 |
| Net loans and leases to total assets | 58.7569% | 3,996 |
| Net loans and leases to deposits | 69.8166% | 3,921 |
| Net loans and leases to core deposits | 82.4671% | 3,178 |
| Total domestic deposits to total assets | 84.1590% | 3,370 |
| Equity capital to assets | 13.1906% | 1,178 |
| Core capital (leverage) ratio | 12.9437% | 1,151 |
| Tier 1 risk-based capital ratio | 22.8728% | 974 |
| Total risk-based capital ratio | 23.9074% | 985 |
| Memoranda: | ||
| Average total assets | $124,287,400 | 3,922 |
| Average earning assets | $119,801,000 | 3,830 |
| Average equity | $16,065,400 | 3,684 |
| Average total loans | $70,684,400 | 4,030 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 3,543 |
| Cost of funding earning assets | 0.5173% | 1,957 |
| Net interest margin | 3.3956% | 3,860 |
| Noninterest income to average assets | 0.3792% | 4,072 |
| Noninterest expense to average assets | 2.5908% | 3,696 |
| Loan and lease loss provision to assets | 0.0948% | 2,329 |
| Net operating income to assets | 0.7223% | 3,736 |
| Return on assets (ROA) | 0.7223% | 3,863 |
| Pretax return on assets | 0.9662% | 3,756 |
| Return on Equity (ROE) | 5.6156% | 4,267 |
| Retained earnings to average equity (ytd only) | 4.5802% | 3,092 |
| Net charge-offs to loans | 0.1931% | 1,217 |
| Credit loss provision to net charge-offs | 87.2549% | 2,577 |
| Earnings coverage of net charge-offs (x) | 9.7645% | 2,654 |
| Efficiency ratio | 70.9452% | 2,753 |
| Assets per employee ($millions) | 4.0286% | 3,918 |
| Cash dividends to net income (ytd only)* | 18.4362% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 3,852 |
| Loan loss allowance to noncurrent loans | 173.6501% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 3,619 |
| Noncurrent loans to loans | 0.6321% | 3,120 |
| Net loans and leases to total assets | 58.0084% | 4,093 |
| Net loans and leases to deposits | 70.8931% | 3,898 |
| Net loans and leases to core deposits | 82.7413% | 3,227 |
| Total domestic deposits to total assets | 81.8252% | 3,988 |
| Equity capital to assets | 13.0966% | 1,448 |
| Core capital (leverage) ratio | 12.8397% | 1,246 |
| Tier 1 risk-based capital ratio | 22.3182% | 1,089 |
| Total risk-based capital ratio | 23.4372% | 1,094 |
| Memoranda: | ||
| Average total assets | $125,156,000 | 3,928 |
| Average earning assets | $120,625,000 | 3,839 |
| Average equity | $16,097,750 | 3,712 |
| Average total loans | $70,428,500 | 4,064 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 3,737 |
| Cost of funding earning assets | 0.5168% | 1,963 |
| Net interest margin | 3.3440% | 4,081 |
| Noninterest income to average assets | 0.3673% | 4,124 |
| Noninterest expense to average assets | 2.5678% | 3,825 |
| Loan and lease loss provision to assets | 0.0958% | 2,241 |
| Net operating income to assets | 0.7042% | 3,766 |
| Return on assets (ROA) | 0.7042% | 3,917 |
| Pretax return on assets | 0.9278% | 3,845 |
| Return on Equity (ROE) | 5.5085% | 4,286 |
| Retained earnings to average equity (ytd only) | 3.9471% | 3,389 |
| Net charge-offs to loans | 0.2159% | 1,085 |
| Credit loss provision to net charge-offs | 80.0000% | 2,365 |
| Earnings coverage of net charge-offs (x) | 8.5467% | 2,508 |
| Efficiency ratio | 71.4984% | 2,744 |
| Assets per employee ($millions) | 3.9337% | 4,033 |
| Cash dividends to net income (ytd only)* | 28.3447% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 3,734 |
| Loan loss allowance to noncurrent loans | 150.7519% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4385% | 3,752 |
| Noncurrent loans to loans | 0.7545% | 2,857 |
| Net loans and leases to total assets | 55.3802% | 4,372 |
| Net loans and leases to deposits | 67.4719% | 4,228 |
| Net loans and leases to core deposits | 78.5921% | 3,594 |
| Total domestic deposits to total assets | 82.0788% | 3,979 |
| Equity capital to assets | 12.8576% | 1,581 |
| Core capital (leverage) ratio | 12.7116% | 1,265 |
| Tier 1 risk-based capital ratio | 23.0444% | 1,008 |
| Total risk-based capital ratio | 24.2142% | 999 |
| Memoranda: | ||
| Average total assets | $125,245,670 | 3,954 |
| Average earning assets | $120,752,000 | 3,863 |
| Average equity | $16,011,670 | 3,730 |
| Average total loans | $69,488,330 | 4,102 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8802% | 3,660 |
| Cost of funding earning assets | 0.5074% | 2,045 |
| Net interest margin | 3.3728% | 3,966 |
| Noninterest income to average assets | 0.3394% | 4,303 |
| Noninterest expense to average assets | 2.6191% | 3,692 |
| Loan and lease loss provision to assets | 0.0961% | 2,088 |
| Net operating income to assets | 0.6916% | 3,754 |
| Return on assets (ROA) | 0.6916% | 3,865 |
| Pretax return on assets | 0.8805% | 3,926 |
| Return on Equity (ROE) | 5.4254% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.4254% | 2,700 |
| Net charge-offs to loans | 0.3422% | 651 |
| Credit loss provision to net charge-offs | 50.8475% | 2,044 |
| Earnings coverage of net charge-offs (x) | 5.1695% | 2,353 |
| Efficiency ratio | 72.8406% | 2,672 |
| Assets per employee ($millions) | 4.1573% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 3,772 |
| Loan loss allowance to noncurrent loans | 154.5098% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 3,895 |
| Noncurrent loans to loans | 0.7438% | 2,978 |
| Net loans and leases to total assets | 54.3438% | 4,422 |
| Net loans and leases to deposits | 64.5397% | 4,389 |
| Net loans and leases to core deposits | 75.6060% | 3,719 |
| Total domestic deposits to total assets | 84.2021% | 3,448 |
| Equity capital to assets | 12.8657% | 1,478 |
| Core capital (leverage) ratio | 12.7027% | 1,268 |
| Tier 1 risk-based capital ratio | 23.5241% | 958 |
| Total risk-based capital ratio | 24.7048% | 962 |
| Memoranda: | ||
| Average total assets | $124,929,000 | 3,993 |
| Average earning assets | $120,611,000 | 3,891 |
| Average equity | $15,925,000 | 3,744 |
| Average total loans | $68,975,500 | 4,136 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 3,890 |
| Cost of funding earning assets | 0.5563% | 1,707 |
| Net interest margin | 3.2911% | 4,324 |
| Noninterest income to average assets | 0.3938% | 4,074 |
| Noninterest expense to average assets | 2.5094% | 4,199 |
| Loan and lease loss provision to assets | 0.1105% | 2,152 |
| Net operating income to assets | 0.7259% | 3,687 |
| Return on assets (ROA) | 0.7284% | 3,776 |
| Pretax return on assets | 0.9517% | 3,647 |
| Return on Equity (ROE) | 5.8950% | 4,075 |
| Retained earnings to average equity (ytd only) | 3.9470% | 3,226 |
| Net charge-offs to loans | 0.1520% | 1,849 |
| Credit loss provision to net charge-offs | 138.6139% | 1,890 |
| Earnings coverage of net charge-offs (x) | 13.2871% | 2,382 |
| Efficiency ratio | 70.3229% | 3,173 |
| Assets per employee ($millions) | 4.1713% | 3,626 |
| Cash dividends to net income (ytd only)* | 33.0444% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 3,600 |
| Loan loss allowance to noncurrent loans | 139.8973% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 3,748 |
| Noncurrent loans to loans | 0.8417% | 2,683 |
| Net loans and leases to total assets | 54.7943% | 4,419 |
| Net loans and leases to deposits | 66.5028% | 4,270 |
| Net loans and leases to core deposits | 80.7777% | 3,267 |
| Total domestic deposits to total assets | 82.3940% | 4,054 |
| Equity capital to assets | 12.6292% | 1,545 |
| Core capital (leverage) ratio | 12.2220% | 1,492 |
| Tier 1 risk-based capital ratio | 22.7977% | 1,041 |
| Total risk-based capital ratio | 24.0006% | 1,033 |
| Memoranda: | ||
| Average total assets | $126,722,600 | 3,948 |
| Average earning assets | $122,240,000 | 3,836 |
| Average equity | $15,657,400 | 3,738 |
| Average total loans | $66,460,200 | 4,182 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8191% | 4,028 |
| Cost of funding earning assets | 0.5656% | 1,663 |
| Net interest margin | 3.2535% | 4,513 |
| Noninterest income to average assets | 0.4038% | 4,060 |
| Noninterest expense to average assets | 2.4816% | 4,255 |
| Loan and lease loss provision to assets | 0.0420% | 3,373 |
| Net operating income to assets | 0.7772% | 3,538 |
| Return on assets (ROA) | 0.7772% | 3,625 |
| Pretax return on assets | 1.0174% | 3,548 |
| Return on Equity (ROE) | 6.3248% | 3,997 |
| Retained earnings to average equity (ytd only) | 5.4712% | 2,595 |
| Net charge-offs to loans | 0.1846% | 1,382 |
| Credit loss provision to net charge-offs | 43.9560% | 3,115 |
| Earnings coverage of net charge-offs (x) | 11.0989% | 2,532 |
| Efficiency ratio | 70.0829% | 3,198 |
| Assets per employee ($millions) | 4.0716% | 3,755 |
| Cash dividends to net income (ytd only)* | 13.4952% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 4,372 |
| Loan loss allowance to noncurrent loans | 243.9597% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 4,815 |
| Noncurrent loans to loans | 0.4399% | 4,028 |
| Net loans and leases to total assets | 53.0981% | 4,654 |
| Net loans and leases to deposits | 63.0501% | 4,639 |
| Net loans and leases to core deposits | 77.8653% | 3,619 |
| Total domestic deposits to total assets | 84.2158% | 3,334 |
| Equity capital to assets | 12.6128% | 1,683 |
| Core capital (leverage) ratio | 12.2069% | 1,561 |
| Tier 1 risk-based capital ratio | 23.3816% | 1,015 |
| Total risk-based capital ratio | 24.4779% | 1,011 |
| Memoranda: | ||
| Average total assets | $127,118,500 | 3,991 |
| Average earning assets | $122,573,000 | 3,871 |
| Average equity | $15,620,750 | 3,779 |
| Average total loans | $65,728,750 | 4,248 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7767% | 4,145 |
| Cost of funding earning assets | 0.5632% | 1,700 |
| Net interest margin | 3.2134% | 4,621 |
| Noninterest income to average assets | 0.4144% | 3,972 |
| Noninterest expense to average assets | 2.4879% | 4,278 |
| Loan and lease loss provision to assets | 0.0157% | 3,810 |
| Net operating income to assets | 0.7801% | 3,485 |
| Return on assets (ROA) | 0.7801% | 3,589 |
| Pretax return on assets | 1.0093% | 3,546 |
| Return on Equity (ROE) | 6.4042% | 3,931 |
| Retained earnings to average equity (ytd only) | 5.1156% | 2,787 |
| Net charge-offs to loans | 0.2767% | 952 |
| Credit loss provision to net charge-offs | 11.1111% | 3,089 |
| Earnings coverage of net charge-offs (x) | 7.2556% | 2,686 |
| Efficiency ratio | 70.8222% | 3,191 |
| Assets per employee ($millions) | 4.0840% | 3,713 |
| Cash dividends to net income (ytd only)* | 20.1207% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 4,550 |
| Loan loss allowance to noncurrent loans | 229.6053% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 4,807 |
| Noncurrent loans to loans | 0.4610% | 4,097 |
| Net loans and leases to total assets | 51.5375% | 4,799 |
| Net loans and leases to deposits | 61.0237% | 4,778 |
| Net loans and leases to core deposits | 74.0523% | 3,953 |
| Total domestic deposits to total assets | 84.4548% | 3,370 |
| Equity capital to assets | 12.3826% | 1,743 |
| Core capital (leverage) ratio | 12.0465% | 1,629 |
| Tier 1 risk-based capital ratio | 23.7261% | 986 |
| Total risk-based capital ratio | 24.8111% | 987 |
| Memoranda: | ||
| Average total assets | $127,417,670 | 4,010 |
| Average earning assets | $122,858,670 | 3,896 |
| Average equity | $15,521,000 | 3,809 |
| Average total loans | $65,055,670 | 4,310 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 4,134 |
| Cost of funding earning assets | 0.5778% | 1,596 |
| Net interest margin | 3.1910% | 4,643 |
| Noninterest income to average assets | 0.4631% | 3,550 |
| Noninterest expense to average assets | 2.5817% | 3,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7729% | 3,398 |
| Return on assets (ROA) | 0.7729% | 3,538 |
| Pretax return on assets | 0.9576% | 3,659 |
| Return on Equity (ROE) | 6.3977% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.3977% | 2,291 |
| Net charge-offs to loans | 0.0743% | 1,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,263 |
| Efficiency ratio | 72.9443% | 2,997 |
| Assets per employee ($millions) | 4.2758% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 4,036 |
| Loan loss allowance to noncurrent loans | 328.7554% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 5,226 |
| Noncurrent loans to loans | 0.3619% | 4,504 |
| Net loans and leases to total assets | 49.5903% | 4,896 |
| Net loans and leases to deposits | 58.9520% | 4,832 |
| Net loans and leases to core deposits | 71.8046% | 3,989 |
| Total domestic deposits to total assets | 84.1198% | 3,776 |
| Equity capital to assets | 12.1195% | 1,946 |
| Core capital (leverage) ratio | 12.0343% | 1,620 |
| Tier 1 risk-based capital ratio | 23.8786% | 1,011 |
| Total risk-based capital ratio | 25.0889% | 996 |
| Memoranda: | ||
| Average total assets | $127,824,000 | 4,031 |
| Average earning assets | $123,222,500 | 3,921 |
| Average equity | $15,443,000 | 3,845 |
| Average total loans | $64,610,000 | 4,347 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8769% | 4,214 |
| Cost of funding earning assets | 0.6557% | 1,373 |
| Net interest margin | 3.2212% | 4,856 |
| Noninterest income to average assets | 0.3543% | 4,566 |
| Noninterest expense to average assets | 2.4714% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7350% | 3,709 |
| Return on assets (ROA) | 0.7547% | 3,707 |
| Pretax return on assets | 1.0041% | 3,477 |
| Return on Equity (ROE) | 6.3051% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.3140% | 3,122 |
| Net charge-offs to loans | 0.2536% | 1,686 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.8408% | 2,966 |
| Efficiency ratio | 71.6490% | 3,267 |
| Assets per employee ($millions) | 3.9805% | 4,001 |
| Cash dividends to net income (ytd only)* | 31.5789% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 4,001 |
| Loan loss allowance to noncurrent loans | 385.1485% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 5,063 |
| Noncurrent loans to loans | 0.3115% | 4,725 |
| Net loans and leases to total assets | 50.2964% | 4,942 |
| Net loans and leases to deposits | 59.8906% | 4,911 |
| Net loans and leases to core deposits | 76.1265% | 3,699 |
| Total domestic deposits to total assets | 83.9804% | 3,723 |
| Equity capital to assets | 12.0432% | 1,991 |
| Core capital (leverage) ratio | 11.6983% | 1,828 |
| Tier 1 risk-based capital ratio | 23.4857% | 1,008 |
| Total risk-based capital ratio | 24.7148% | 993 |
| Memoranda: | ||
| Average total assets | $125,880,800 | 4,065 |
| Average earning assets | $120,947,800 | 3,944 |
| Average equity | $15,067,200 | 3,820 |
| Average total loans | $61,904,200 | 4,431 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8688% | 4,287 |
| Cost of funding earning assets | 0.6642% | 1,363 |
| Net interest margin | 3.2047% | 4,951 |
| Noninterest income to average assets | 0.3495% | 4,646 |
| Noninterest expense to average assets | 2.4370% | 4,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7458% | 3,693 |
| Return on assets (ROA) | 0.7458% | 3,792 |
| Pretax return on assets | 0.9880% | 3,642 |
| Return on Equity (ROE) | 6.2403% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.3514% | 2,848 |
| Net charge-offs to loans | 0.3422% | 1,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.9235% | 3,170 |
| Efficiency ratio | 71.1538% | 3,316 |
| Assets per employee ($millions) | 3.9742% | 3,942 |
| Cash dividends to net income (ytd only)* | 14.2450% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 3,794 |
| Loan loss allowance to noncurrent loans | 312.4498% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 5,083 |
| Noncurrent loans to loans | 0.4071% | 4,685 |
| Net loans and leases to total assets | 47.4869% | 5,247 |
| Net loans and leases to deposits | 56.8820% | 5,185 |
| Net loans and leases to core deposits | 71.5915% | 4,191 |
| Total domestic deposits to total assets | 83.4833% | 3,955 |
| Equity capital to assets | 12.0457% | 2,022 |
| Core capital (leverage) ratio | 11.8519% | 1,793 |
| Tier 1 risk-based capital ratio | 24.6942% | 904 |
| Total risk-based capital ratio | 25.9441% | 895 |
| Memoranda: | ||
| Average total assets | $125,507,250 | 4,107 |
| Average earning assets | $120,446,250 | 3,976 |
| Average equity | $14,999,000 | 3,855 |
| Average total loans | $61,169,500 | 4,490 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 4,201 |
| Cost of funding earning assets | 0.6830% | 1,292 |
| Net interest margin | 3.2011% | 4,945 |
| Noninterest income to average assets | 0.3553% | 4,582 |
| Noninterest expense to average assets | 2.4842% | 4,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7139% | 3,766 |
| Return on assets (ROA) | 0.7139% | 3,857 |
| Pretax return on assets | 0.9396% | 3,727 |
| Return on Equity (ROE) | 5.9897% | 4,153 |
| Retained earnings to average equity (ytd only) | 4.6467% | 3,191 |
| Net charge-offs to loans | 0.4839% | 832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.9662% | 3,193 |
| Efficiency ratio | 72.5573% | 3,232 |
| Assets per employee ($millions) | 3.7922% | 4,271 |
| Cash dividends to net income (ytd only)* | 22.4215% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 3,694 |
| Loan loss allowance to noncurrent loans | 235.6287% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 4,467 |
| Noncurrent loans to loans | 0.5644% | 4,325 |
| Net loans and leases to total assets | 46.6634% | 5,299 |
| Net loans and leases to deposits | 53.8655% | 5,370 |
| Net loans and leases to core deposits | 67.0359% | 4,552 |
| Total domestic deposits to total assets | 86.6295% | 2,680 |
| Equity capital to assets | 12.0936% | 1,920 |
| Core capital (leverage) ratio | 11.7384% | 1,830 |
| Tier 1 risk-based capital ratio | 24.9047% | 881 |
| Total risk-based capital ratio | 26.1566% | 874 |
| Memoranda: | ||
| Average total assets | $124,951,670 | 4,133 |
| Average earning assets | $119,771,000 | 4,013 |
| Average equity | $14,892,330 | 3,874 |
| Average total loans | $61,169,670 | 4,509 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9231% | 4,003 |
| Cost of funding earning assets | 0.7006% | 1,246 |
| Net interest margin | 3.2226% | 4,848 |
| Noninterest income to average assets | 0.3204% | 4,806 |
| Noninterest expense to average assets | 2.4348% | 4,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7433% | 3,462 |
| Return on assets (ROA) | 0.7433% | 3,545 |
| Pretax return on assets | 0.9803% | 3,405 |
| Return on Equity (ROE) | 6.2824% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.2824% | 2,391 |
| Net charge-offs to loans | 0.9523% | 361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.0676% | 2,958 |
| Efficiency ratio | 71.2946% | 3,612 |
| Assets per employee ($millions) | 4.0408% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 4,295 |
| Loan loss allowance to noncurrent loans | 224.8571% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 4,551 |
| Noncurrent loans to loans | 0.5636% | 4,469 |
| Net loans and leases to total assets | 48.9462% | 5,007 |
| Net loans and leases to deposits | 56.3271% | 5,088 |
| Net loans and leases to core deposits | 70.2684% | 4,058 |
| Total domestic deposits to total assets | 86.8965% | 2,873 |
| Equity capital to assets | 11.8526% | 1,979 |
| Core capital (leverage) ratio | 11.6864% | 1,838 |
| Tier 1 risk-based capital ratio | 23.9217% | 1,009 |
| Total risk-based capital ratio | 25.1718% | 994 |
| Memoranda: | ||
| Average total assets | $124,857,000 | 4,169 |
| Average earning assets | $119,904,000 | 4,042 |
| Average equity | $14,771,500 | 3,904 |
| Average total loans | $62,163,500 | 4,518 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9225% | 4,375 |
| Cost of funding earning assets | 0.7708% | 1,371 |
| Net interest margin | 3.1517% | 5,156 |
| Noninterest income to average assets | 0.3768% | 4,614 |
| Noninterest expense to average assets | 2.5979% | 4,470 |
| Loan and lease loss provision to assets | 0.0107% | 4,911 |
| Net operating income to assets | 0.6017% | 4,252 |
| Return on assets (ROA) | 0.6017% | 4,368 |
| Pretax return on assets | 0.7888% | 4,188 |
| Return on Equity (ROE) | 4.9873% | 4,641 |
| Retained earnings to average equity (ytd only) | 3.1162% | 4,017 |
| Net charge-offs to loans | 0.0066% | 5,326 |
| Credit loss provision to net charge-offs | 325.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 243.5000% | 186 |
| Efficiency ratio | 76.4677% | 2,707 |
| Assets per employee ($millions) | 3.8891% | 4,091 |
| Cash dividends to net income (ytd only)* | 37.5171% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 3,179 |
| Loan loss allowance to noncurrent loans | 185.8847% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 4,244 |
| Noncurrent loans to loans | 0.8083% | 3,953 |
| Net loans and leases to total assets | 49.2511% | 5,164 |
| Net loans and leases to deposits | 58.5779% | 5,069 |
| Net loans and leases to core deposits | 73.9459% | 3,845 |
| Total domestic deposits to total assets | 84.0779% | 4,134 |
| Equity capital to assets | 11.8088% | 1,943 |
| Core capital (leverage) ratio | 11.5137% | 1,951 |
| Tier 1 risk-based capital ratio | 23.5173% | 1,019 |
| Total risk-based capital ratio | 24.7712% | 1,000 |
| Memoranda: | ||
| Average total assets | $121,828,000 | 4,242 |
| Average earning assets | $116,761,000 | 4,115 |
| Average equity | $14,697,200 | 3,921 |
| Average total loans | $60,970,800 | 4,582 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 4,361 |
| Cost of funding earning assets | 0.7792% | 1,433 |
| Net interest margin | 3.1582% | 5,119 |
| Noninterest income to average assets | 0.3796% | 4,677 |
| Noninterest expense to average assets | 2.5880% | 4,433 |
| Loan and lease loss provision to assets | 0.0143% | 4,718 |
| Net operating income to assets | 0.6074% | 4,316 |
| Return on assets (ROA) | 0.6074% | 4,440 |
| Pretax return on assets | 0.8010% | 4,289 |
| Return on Equity (ROE) | 5.0075% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.1004% | 3,771 |
| Net charge-offs to loans | 0.0088% | 4,979 |
| Credit loss provision to net charge-offs | 325.0000% | 790 |
| Earnings coverage of net charge-offs (x) | 185.3621% | 314 |
| Efficiency ratio | 76.0427% | 2,723 |
| Assets per employee ($millions) | 3.7694% | 4,303 |
| Cash dividends to net income (ytd only)* | 18.1160% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 3,293 |
| Loan loss allowance to noncurrent loans | 181.5534% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 4,408 |
| Noncurrent loans to loans | 0.8466% | 4,133 |
| Net loans and leases to total assets | 48.1502% | 5,329 |
| Net loans and leases to deposits | 56.5160% | 5,329 |
| Net loans and leases to core deposits | 70.2709% | 4,296 |
| Total domestic deposits to total assets | 85.1974% | 3,634 |
| Equity capital to assets | 11.7670% | 2,067 |
| Core capital (leverage) ratio | 11.7291% | 1,869 |
| Tier 1 risk-based capital ratio | 24.1489% | 976 |
| Total risk-based capital ratio | 25.4030% | 960 |
| Memoranda: | ||
| Average total assets | $121,172,500 | 4,297 |
| Average earning assets | $116,012,750 | 4,178 |
| Average equity | $14,697,500 | 3,969 |
| Average total loans | $60,656,500 | 4,636 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9872% | 4,155 |
| Cost of funding earning assets | 0.7936% | 1,446 |
| Net interest margin | 3.1936% | 4,970 |
| Noninterest income to average assets | 0.3547% | 4,853 |
| Noninterest expense to average assets | 2.5562% | 4,542 |
| Loan and lease loss provision to assets | 0.0167% | 4,561 |
| Net operating income to assets | 0.6295% | 4,160 |
| Return on assets (ROA) | 0.6295% | 4,315 |
| Pretax return on assets | 0.8376% | 4,166 |
| Return on Equity (ROE) | 5.1367% | 4,648 |
| Retained earnings to average equity (ytd only) | 3.7778% | 3,894 |
| Net charge-offs to loans | -0.0297% | 6,099 |
| Credit loss provision to net charge-offs | -111.1111% | 5,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9512% | 2,955 |
| Assets per employee ($millions) | 3.5343% | 4,784 |
| Cash dividends to net income (ytd only)* | 26.4550% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 3,291 |
| Loan loss allowance to noncurrent loans | 185.2941% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 4,343 |
| Noncurrent loans to loans | 0.8456% | 4,229 |
| Net loans and leases to total assets | 49.4021% | 5,174 |
| Net loans and leases to deposits | 56.4951% | 5,288 |
| Net loans and leases to core deposits | 66.7780% | 4,618 |
| Total domestic deposits to total assets | 87.4450% | 2,568 |
| Equity capital to assets | 12.1872% | 1,781 |
| Core capital (leverage) ratio | 11.8682% | 1,692 |
| Tier 1 risk-based capital ratio | 23.8403% | 1,014 |
| Total risk-based capital ratio | 25.0954% | 1,001 |
| Memoranda: | ||
| Average total assets | $120,100,000 | 4,345 |
| Average earning assets | $114,916,330 | 4,233 |
| Average equity | $14,717,670 | 4,002 |
| Average total loans | $60,599,000 | 4,656 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 4,084 |
| Cost of funding earning assets | 0.8294% | 1,370 |
| Net interest margin | 3.1788% | 5,002 |
| Noninterest income to average assets | 0.3265% | 5,093 |
| Noninterest expense to average assets | 2.5386% | 4,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6297% | 4,084 |
| Return on assets (ROA) | 0.6297% | 4,235 |
| Pretax return on assets | 0.8395% | 4,003 |
| Return on Equity (ROE) | 5.1240% | 4,501 |
| Retained earnings to average equity (ytd only) | 5.1240% | 3,156 |
| Net charge-offs to loans | -0.0263% | 5,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1479% | 3,073 |
| Assets per employee ($millions) | 3.7545% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 3,690 |
| Loan loss allowance to noncurrent loans | 179.1908% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 4,469 |
| Noncurrent loans to loans | 0.8552% | 4,407 |
| Net loans and leases to total assets | 49.7407% | 5,028 |
| Net loans and leases to deposits | 57.1450% | 5,122 |
| Net loans and leases to core deposits | 66.3735% | 4,486 |
| Total domestic deposits to total assets | 87.0429% | 2,935 |
| Equity capital to assets | 12.3569% | 1,799 |
| Core capital (leverage) ratio | 11.8067% | 1,674 |
| Tier 1 risk-based capital ratio | 24.1443% | 999 |
| Total risk-based capital ratio | 25.3993% | 976 |
| Memoranda: | ||
| Average total assets | $120,066,500 | 4,396 |
| Average earning assets | $115,262,000 | 4,260 |
| Average equity | $14,754,000 | 4,046 |
| Average total loans | $60,743,500 | 4,684 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1249% | 4,856 |
| Cost of funding earning assets | 1.0521% | 1,112 |
| Net interest margin | 3.0727% | 5,881 |
| Noninterest income to average assets | 0.3652% | 4,869 |
| Noninterest expense to average assets | 2.5676% | 4,872 |
| Loan and lease loss provision to assets | 0.1887% | 3,278 |
| Net operating income to assets | 0.4336% | 4,956 |
| Return on assets (ROA) | 0.5695% | 4,642 |
| Pretax return on assets | 0.7377% | 4,526 |
| Return on Equity (ROE) | 4.7473% | 4,814 |
| Retained earnings to average equity (ytd only) | 3.0372% | 4,098 |
| Net charge-offs to loans | 0.6037% | 1,923 |
| Credit loss provision to net charge-offs | 65.3409% | 4,307 |
| Earnings coverage of net charge-offs (x) | 2.5966% | 4,121 |
| Efficiency ratio | 77.3930% | 2,530 |
| Assets per employee ($millions) | 3.8706% | 4,228 |
| Cash dividends to net income (ytd only)* | 36.0231% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 3,650 |
| Loan loss allowance to noncurrent loans | 266.8588% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 4,903 |
| Noncurrent loans to loans | 0.5708% | 5,102 |
| Net loans and leases to total assets | 49.8967% | 5,182 |
| Net loans and leases to deposits | 57.7315% | 5,274 |
| Net loans and leases to core deposits | 67.1433% | 4,628 |
| Total domestic deposits to total assets | 86.4289% | 3,136 |
| Equity capital to assets | 12.2194% | 1,909 |
| Core capital (leverage) ratio | 11.6717% | 1,750 |
| Tier 1 risk-based capital ratio | 23.7290% | 1,004 |
| Total risk-based capital ratio | 24.9828% | 979 |
| Memoranda: | ||
| Average total assets | $121,863,800 | 4,317 |
| Average earning assets | $117,094,000 | 4,182 |
| Average equity | $14,618,800 | 4,038 |
| Average total loans | $58,305,000 | 4,784 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1434% | 5,026 |
| Cost of funding earning assets | 1.1039% | 1,052 |
| Net interest margin | 3.0396% | 6,086 |
| Noninterest income to average assets | 0.3717% | 4,858 |
| Noninterest expense to average assets | 2.5384% | 4,964 |
| Loan and lease loss provision to assets | 0.2289% | 2,769 |
| Net operating income to assets | 0.4084% | 5,215 |
| Return on assets (ROA) | 0.5678% | 4,800 |
| Pretax return on assets | 0.7346% | 4,724 |
| Return on Equity (ROE) | 4.7553% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.8426% | 4,186 |
| Net charge-offs to loans | 0.7119% | 1,552 |
| Credit loss provision to net charge-offs | 68.1818% | 3,952 |
| Earnings coverage of net charge-offs (x) | 2.2532% | 4,135 |
| Efficiency ratio | 77.0427% | 2,516 |
| Assets per employee ($millions) | 3.9992% | 3,870 |
| Cash dividends to net income (ytd only)* | 19.1938% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 3,687 |
| Loan loss allowance to noncurrent loans | 165.2174% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8252% | 4,644 |
| Noncurrent loans to loans | 0.9450% | 4,551 |
| Net loans and leases to total assets | 49.9237% | 5,319 |
| Net loans and leases to deposits | 57.9174% | 5,440 |
| Net loans and leases to core deposits | 63.4973% | 5,208 |
| Total domestic deposits to total assets | 86.1982% | 3,151 |
| Equity capital to assets | 12.3340% | 2,009 |
| Core capital (leverage) ratio | 11.4263% | 2,037 |
| Tier 1 risk-based capital ratio | 23.6454% | 1,067 |
| Total risk-based capital ratio | 24.8986% | 1,049 |
| Memoranda: | ||
| Average total assets | $122,332,250 | 4,342 |
| Average earning assets | $117,645,000 | 4,205 |
| Average equity | $14,608,000 | 4,073 |
| Average total loans | $57,682,000 | 4,855 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1263% | 5,213 |
| Cost of funding earning assets | 1.1321% | 1,087 |
| Net interest margin | 2.9942% | 6,255 |
| Noninterest income to average assets | 0.3590% | 4,967 |
| Noninterest expense to average assets | 2.4221% | 5,379 |
| Loan and lease loss provision to assets | 0.3086% | 2,139 |
| Net operating income to assets | 0.3842% | 5,271 |
| Return on assets (ROA) | 0.6157% | 4,553 |
| Pretax return on assets | 0.8155% | 4,422 |
| Return on Equity (ROE) | 5.2115% | 4,700 |
| Retained earnings to average equity (ytd only) | 3.8365% | 4,061 |
| Net charge-offs to loans | 1.0631% | 1,031 |
| Credit loss provision to net charge-offs | 63.1229% | 3,722 |
| Earnings coverage of net charge-offs (x) | 1.6678% | 4,154 |
| Efficiency ratio | 74.8118% | 2,936 |
| Assets per employee ($millions) | 3.9561% | 3,968 |
| Cash dividends to net income (ytd only)* | 26.3852% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 3,588 |
| Loan loss allowance to noncurrent loans | 151.3732% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 4,575 |
| Noncurrent loans to loans | 1.0596% | 4,394 |
| Net loans and leases to total assets | 46.8717% | 5,736 |
| Net loans and leases to deposits | 53.6102% | 5,909 |
| Net loans and leases to core deposits | 58.5653% | 5,730 |
| Total domestic deposits to total assets | 87.4306% | 2,516 |
| Equity capital to assets | 11.8812% | 2,239 |
| Core capital (leverage) ratio | 11.2028% | 2,121 |
| Tier 1 risk-based capital ratio | 24.4429% | 964 |
| Total risk-based capital ratio | 25.6980% | 945 |
| Memoranda: | ||
| Average total assets | $123,117,330 | 4,349 |
| Average earning assets | $118,363,330 | 4,211 |
| Average equity | $14,544,670 | 4,080 |
| Average total loans | $56,627,000 | 4,925 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1742% | 5,196 |
| Cost of funding earning assets | 1.1565% | 1,151 |
| Net interest margin | 3.0177% | 6,253 |
| Noninterest income to average assets | 0.3340% | 5,190 |
| Noninterest expense to average assets | 2.4385% | 5,347 |
| Loan and lease loss provision to assets | 0.6161% | 916 |
| Net operating income to assets | 0.1394% | 6,146 |
| Return on assets (ROA) | 0.5480% | 4,820 |
| Pretax return on assets | 0.7264% | 4,702 |
| Return on Equity (ROE) | 4.6520% | 4,956 |
| Retained earnings to average equity (ytd only) | 4.6520% | 3,778 |
| Net charge-offs to loans | 2.1389% | 422 |
| Credit loss provision to net charge-offs | 63.7584% | 3,045 |
| Earnings coverage of net charge-offs (x) | 0.8255% | 3,916 |
| Efficiency ratio | 75.3507% | 2,883 |
| Assets per employee ($millions) | 4.0366% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 3,413 |
| Loan loss allowance to noncurrent loans | 125.6684% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.9654% | 4,574 |
| Noncurrent loans to loans | 1.3404% | 4,107 |
| Net loans and leases to total assets | 43.8430% | 6,030 |
| Net loans and leases to deposits | 49.9704% | 6,141 |
| Net loans and leases to core deposits | 54.4703% | 6,025 |
| Total domestic deposits to total assets | 87.7380% | 2,504 |
| Equity capital to assets | 11.6338% | 2,317 |
| Core capital (leverage) ratio | 11.0534% | 2,216 |
| Tier 1 risk-based capital ratio | 24.7090% | 933 |
| Total risk-based capital ratio | 25.9644% | 921 |
| Memoranda: | ||
| Average total assets | $123,356,500 | 4,369 |
| Average earning assets | $118,633,500 | 4,232 |
| Average equity | $14,531,500 | 4,088 |
| Average total loans | $55,730,500 | 4,990 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5207% | 4,987 |
| Cost of funding earning assets | 1.3033% | 1,472 |
| Net interest margin | 3.2174% | 6,039 |
| Noninterest income to average assets | 0.4160% | 4,484 |
| Noninterest expense to average assets | 2.4700% | 5,565 |
| Loan and lease loss provision to assets | 0.5085% | 2,064 |
| Net operating income to assets | 0.4549% | 4,614 |
| Return on assets (ROA) | 0.5252% | 4,527 |
| Pretax return on assets | 0.6102% | 4,665 |
| Return on Equity (ROE) | 4.5439% | 4,604 |
| Retained earnings to average equity (ytd only) | 3.4621% | 3,754 |
| Net charge-offs to loans | 0.9277% | 1,872 |
| Credit loss provision to net charge-offs | 116.1905% | 2,792 |
| Earnings coverage of net charge-offs (x) | 2.3695% | 4,033 |
| Efficiency ratio | 70.4302% | 3,857 |
| Assets per employee ($millions) | 3.9219% | 4,030 |
| Cash dividends to net income (ytd only)* | 23.8095% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 2,622 |
| Loan loss allowance to noncurrent loans | 172.9373% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.8768% | 4,872 |
| Noncurrent loans to loans | 1.0888% | 4,537 |
| Net loans and leases to total assets | 44.9177% | 6,117 |
| Net loans and leases to deposits | 51.4107% | 6,262 |
| Net loans and leases to core deposits | 56.0528% | 6,153 |
| Total domestic deposits to total assets | 87.3702% | 2,548 |
| Equity capital to assets | 11.9306% | 2,180 |
| Core capital (leverage) ratio | 10.8851% | 2,363 |
| Tier 1 risk-based capital ratio | 24.6679% | 907 |
| Total risk-based capital ratio | 25.9260% | 894 |
| Memoranda: | ||
| Average total assets | $119,961,800 | 4,401 |
| Average earning assets | $115,248,600 | 4,254 |
| Average equity | $13,864,600 | 4,141 |
| Average total loans | $56,590,200 | 5,003 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 5,022 |
| Cost of funding earning assets | 1.3300% | 1,550 |
| Net interest margin | 3.2337% | 6,067 |
| Noninterest income to average assets | 0.4149% | 4,545 |
| Noninterest expense to average assets | 2.5237% | 5,383 |
| Loan and lease loss provision to assets | 0.1561% | 4,516 |
| Net operating income to assets | 0.6587% | 3,833 |
| Return on assets (ROA) | 0.7126% | 3,718 |
| Pretax return on assets | 0.9089% | 3,727 |
| Return on Equity (ROE) | 6.2168% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.7303% | 2,717 |
| Net charge-offs to loans | 0.1807% | 4,349 |
| Credit loss provision to net charge-offs | 181.8182% | 1,630 |
| Earnings coverage of net charge-offs (x) | 11.5979% | 1,796 |
| Efficiency ratio | 71.7047% | 3,614 |
| Assets per employee ($millions) | 3.9104% | 4,047 |
| Cash dividends to net income (ytd only)* | 7.8253% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 2,809 |
| Loan loss allowance to noncurrent loans | 133.0739% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 1.0493% | 4,668 |
| Noncurrent loans to loans | 1.3806% | 4,225 |
| Net loans and leases to total assets | 45.2224% | 6,221 |
| Net loans and leases to deposits | 51.7560% | 6,387 |
| Net loans and leases to core deposits | 56.7524% | 6,248 |
| Total domestic deposits to total assets | 87.3762% | 2,420 |
| Equity capital to assets | 11.9433% | 2,297 |
| Core capital (leverage) ratio | 11.1076% | 2,309 |
| Tier 1 risk-based capital ratio | 25.0284% | 911 |
| Total risk-based capital ratio | 26.2871% | 899 |
| Memoranda: | ||
| Average total assets | $119,557,750 | 4,441 |
| Average earning assets | $114,787,750 | 4,288 |
| Average equity | $13,704,500 | 4,189 |
| Average total loans | $56,823,250 | 5,043 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6222% | 4,881 |
| Cost of funding earning assets | 1.3660% | 1,568 |
| Net interest margin | 3.2563% | 5,986 |
| Noninterest income to average assets | 0.4370% | 4,368 |
| Noninterest expense to average assets | 2.6319% | 5,073 |
| Loan and lease loss provision to assets | 0.2353% | 3,558 |
| Net operating income to assets | 0.5610% | 4,258 |
| Return on assets (ROA) | 0.6454% | 3,946 |
| Pretax return on assets | 0.7949% | 4,052 |
| Return on Equity (ROE) | 5.7115% | 4,110 |
| Retained earnings to average equity (ytd only) | 4.9678% | 3,027 |
| Net charge-offs to loans | 0.2450% | 3,654 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 7.8714% | 2,148 |
| Efficiency ratio | 73.9726% | 3,366 |
| Assets per employee ($millions) | 3.9782% | 3,798 |
| Cash dividends to net income (ytd only)* | 13.0208% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 2,839 |
| Loan loss allowance to noncurrent loans | 150.1453% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9963% | 4,879 |
| Noncurrent loans to loans | 1.2292% | 4,608 |
| Net loans and leases to total assets | 46.0322% | 6,268 |
| Net loans and leases to deposits | 52.4488% | 6,431 |
| Net loans and leases to core deposits | 57.4131% | 6,311 |
| Total domestic deposits to total assets | 87.7659% | 2,307 |
| Equity capital to assets | 11.6408% | 2,372 |
| Core capital (leverage) ratio | 11.0235% | 2,225 |
| Tier 1 risk-based capital ratio | 24.5911% | 945 |
| Total risk-based capital ratio | 25.8499% | 925 |
| Memoranda: | ||
| Average total assets | $119,002,670 | 4,487 |
| Average earning assets | $114,057,330 | 4,332 |
| Average equity | $13,446,670 | 4,241 |
| Average total loans | $57,149,000 | 5,078 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 5,064 |
| Cost of funding earning assets | 1.3917% | 1,654 |
| Net interest margin | 3.1806% | 6,127 |
| Noninterest income to average assets | 0.3837% | 4,843 |
| Noninterest expense to average assets | 2.5650% | 5,345 |
| Loan and lease loss provision to assets | 0.4713% | 1,864 |
| Net operating income to assets | 0.3528% | 5,164 |
| Return on assets (ROA) | 0.5386% | 4,404 |
| Pretax return on assets | 0.6025% | 4,674 |
| Return on Equity (ROE) | 4.8399% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.8399% | 3,287 |
| Net charge-offs to loans | 0.6997% | 1,820 |
| Credit loss provision to net charge-offs | 138.6139% | 2,019 |
| Earnings coverage of net charge-offs (x) | 2.5446% | 3,065 |
| Efficiency ratio | 74.7792% | 3,372 |
| Assets per employee ($millions) | 3.7546% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 3,154 |
| Loan loss allowance to noncurrent loans | 139.3602% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 4,481 |
| Noncurrent loans to loans | 1.2597% | 4,583 |
| Net loans and leases to total assets | 46.6708% | 6,217 |
| Net loans and leases to deposits | 53.0702% | 6,380 |
| Net loans and leases to core deposits | 58.0440% | 6,251 |
| Total domestic deposits to total assets | 87.9415% | 2,406 |
| Equity capital to assets | 11.1729% | 2,523 |
| Core capital (leverage) ratio | 10.9949% | 2,193 |
| Tier 1 risk-based capital ratio | 23.6734% | 1,006 |
| Total risk-based capital ratio | 24.9304% | 985 |
| Memoranda: | ||
| Average total assets | $118,830,500 | 4,518 |
| Average earning assets | $113,814,000 | 4,359 |
| Average equity | $13,223,500 | 4,288 |
| Average total loans | $57,738,000 | 5,100 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8424% | 5,264 |
| Cost of funding earning assets | 1.5945% | 2,101 |
| Net interest margin | 3.2479% | 6,143 |
| Noninterest income to average assets | 0.4413% | 4,586 |
| Noninterest expense to average assets | 2.5830% | 5,490 |
| Loan and lease loss provision to assets | 0.3464% | 4,056 |
| Net operating income to assets | 0.4616% | 4,266 |
| Return on assets (ROA) | 0.8493% | 2,733 |
| Pretax return on assets | 1.1564% | 2,373 |
| Return on Equity (ROE) | 7.5721% | 2,859 |
| Retained earnings to average equity (ytd only) | 6.1385% | 1,751 |
| Net charge-offs to loans | 0.4280% | 3,907 |
| Credit loss provision to net charge-offs | 159.4488% | 2,197 |
| Earnings coverage of net charge-offs (x) | 4.4724% | 2,910 |
| Efficiency ratio | 72.6660% | 3,661 |
| Assets per employee ($millions) | 3.7907% | 4,283 |
| Cash dividends to net income (ytd only)* | 18.9325% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 3,404 |
| Loan loss allowance to noncurrent loans | 146.3526% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 4,665 |
| Noncurrent loans to loans | 1.1267% | 4,856 |
| Net loans and leases to total assets | 48.8771% | 6,291 |
| Net loans and leases to deposits | 55.6075% | 6,473 |
| Net loans and leases to core deposits | 60.7754% | 6,332 |
| Total domestic deposits to total assets | 87.8967% | 2,312 |
| Equity capital to assets | 11.0822% | 2,618 |
| Core capital (leverage) ratio | 10.9753% | 2,178 |
| Tier 1 risk-based capital ratio | 22.4139% | 1,120 |
| Total risk-based capital ratio | 23.6694% | 1,102 |
| Memoranda: | ||
| Average total assets | $116,916,200 | 4,556 |
| Average earning assets | $112,073,200 | 4,419 |
| Average equity | $13,114,000 | 4,346 |
| Average total loans | $59,344,400 | 5,099 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 5,389 |
| Cost of funding earning assets | 1.6309% | 2,210 |
| Net interest margin | 3.2415% | 6,202 |
| Noninterest income to average assets | 0.4248% | 4,765 |
| Noninterest expense to average assets | 2.4812% | 5,776 |
| Loan and lease loss provision to assets | 0.4168% | 3,404 |
| Net operating income to assets | 0.4618% | 4,482 |
| Return on assets (ROA) | 0.8644% | 2,898 |
| Pretax return on assets | 1.1875% | 2,537 |
| Return on Equity (ROE) | 7.6831% | 3,032 |
| Retained earnings to average equity (ytd only) | 7.1756% | 1,769 |
| Net charge-offs to loans | 0.3357% | 3,973 |
| Credit loss provision to net charge-offs | 243.3333% | 1,383 |
| Earnings coverage of net charge-offs (x) | 6.1465% | 2,590 |
| Efficiency ratio | 70.2100% | 4,020 |
| Assets per employee ($millions) | 3.7110% | 4,486 |
| Cash dividends to net income (ytd only)* | 6.6055% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 2,907 |
| Loan loss allowance to noncurrent loans | 107.3145% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 4,692 |
| Noncurrent loans to loans | 1.6469% | 4,172 |
| Net loans and leases to total assets | 49.6201% | 6,359 |
| Net loans and leases to deposits | 57.0893% | 6,533 |
| Net loans and leases to core deposits | 62.6082% | 6,404 |
| Total domestic deposits to total assets | 86.9167% | 2,582 |
| Equity capital to assets | 11.7959% | 2,286 |
| Core capital (leverage) ratio | 10.8838% | 2,349 |
| Tier 1 risk-based capital ratio | 22.5648% | 1,122 |
| Total risk-based capital ratio | 23.8227% | 1,094 |
| Memoranda: | ||
| Average total assets | $116,767,000 | 4,617 |
| Average earning assets | $112,002,750 | 4,481 |
| Average equity | $13,136,750 | 4,409 |
| Average total loans | $59,580,500 | 5,164 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 5,368 |
| Cost of funding earning assets | 1.6664% | 2,308 |
| Net interest margin | 3.2367% | 6,203 |
| Noninterest income to average assets | 0.4789% | 4,296 |
| Noninterest expense to average assets | 2.4578% | 5,891 |
| Loan and lease loss provision to assets | 0.2642% | 4,284 |
| Net operating income to assets | 0.6240% | 3,761 |
| Return on assets (ROA) | 0.8318% | 2,968 |
| Pretax return on assets | 1.1437% | 2,613 |
| Return on Equity (ROE) | 7.5121% | 3,110 |
| Retained earnings to average equity (ytd only) | 6.7424% | 1,951 |
| Net charge-offs to loans | 0.2464% | 4,115 |
| Credit loss provision to net charge-offs | 209.4595% | 1,858 |
| Earnings coverage of net charge-offs (x) | 8.9054% | 2,081 |
| Efficiency ratio | 68.6340% | 4,450 |
| Assets per employee ($millions) | 3.9874% | 3,795 |
| Cash dividends to net income (ytd only)* | 10.2459% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 4,043 |
| Loan loss allowance to noncurrent loans | 93.6059% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.2406% | 4,665 |
| Noncurrent loans to loans | 1.5754% | 4,348 |
| Net loans and leases to total assets | 49.8763% | 6,444 |
| Net loans and leases to deposits | 57.0774% | 6,652 |
| Net loans and leases to core deposits | 62.3262% | 6,529 |
| Total domestic deposits to total assets | 87.3836% | 2,334 |
| Equity capital to assets | 11.2078% | 2,685 |
| Core capital (leverage) ratio | 10.6349% | 2,510 |
| Tier 1 risk-based capital ratio | 21.7078% | 1,245 |
| Total risk-based capital ratio | 22.9614% | 1,220 |
| Memoranda: | ||
| Average total assets | $117,342,670 | 4,628 |
| Average earning assets | $112,460,330 | 4,497 |
| Average equity | $12,992,330 | 4,443 |
| Average total loans | $60,070,670 | 5,171 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 5,446 |
| Cost of funding earning assets | 1.7269% | 2,255 |
| Net interest margin | 3.1773% | 6,359 |
| Noninterest income to average assets | 0.4337% | 4,623 |
| Noninterest expense to average assets | 2.5025% | 5,720 |
| Loan and lease loss provision to assets | 0.2410% | 4,118 |
| Net operating income to assets | 0.5289% | 4,239 |
| Return on assets (ROA) | 0.9329% | 2,486 |
| Pretax return on assets | 1.2977% | 2,055 |
| Return on Equity (ROE) | 8.4787% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.4787% | 1,543 |
| Net charge-offs to loans | -0.0602% | 7,396 |
| Credit loss provision to net charge-offs | -777.7778% | 6,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9090% | 3,945 |
| Assets per employee ($millions) | 3.5447% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 3,870 |
| Loan loss allowance to noncurrent loans | 83.5052% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.3661% | 4,465 |
| Noncurrent loans to loans | 1.8057% | 4,045 |
| Net loans and leases to total assets | 49.7546% | 6,485 |
| Net loans and leases to deposits | 56.4112% | 6,741 |
| Net loans and leases to core deposits | 61.6695% | 6,624 |
| Total domestic deposits to total assets | 88.1999% | 1,949 |
| Equity capital to assets | 11.0717% | 2,704 |
| Core capital (leverage) ratio | 10.5432% | 2,580 |
| Tier 1 risk-based capital ratio | 22.2501% | 1,169 |
| Total risk-based capital ratio | 23.5054% | 1,147 |
| Memoranda: | ||
| Average total assets | $116,203,000 | 4,717 |
| Average earning assets | $111,416,500 | 4,575 |
| Average equity | $12,785,000 | 4,525 |
| Average total loans | $59,828,000 | 5,257 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5174% | 4,054 |
| Cost of funding earning assets | 2.0510% | 2,717 |
| Net interest margin | 3.4664% | 5,099 |
| Noninterest income to average assets | 0.4168% | 5,072 |
| Noninterest expense to average assets | 2.5468% | 5,964 |
| Loan and lease loss provision to assets | 0.3414% | 4,753 |
| Net operating income to assets | 0.6565% | 3,112 |
| Return on assets (ROA) | 0.8744% | 2,327 |
| Pretax return on assets | 1.1386% | 2,133 |
| Return on Equity (ROE) | 8.0549% | 2,346 |
| Retained earnings to average equity (ytd only) | 6.0126% | 1,338 |
| Net charge-offs to loans | 0.4468% | 3,999 |
| Credit loss provision to net charge-offs | 140.0000% | 3,483 |
| Earnings coverage of net charge-offs (x) | 4.9091% | 2,759 |
| Efficiency ratio | 68.0246% | 4,999 |
| Assets per employee ($millions) | 3.6073% | 4,767 |
| Cash dividends to net income (ytd only)* | 25.3550% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 4,532 |
| Loan loss allowance to noncurrent loans | 464.0000% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.6359% | 5,872 |
| Noncurrent loans to loans | 0.2889% | 6,703 |
| Net loans and leases to total assets | 51.7647% | 6,449 |
| Net loans and leases to deposits | 58.5446% | 6,745 |
| Net loans and leases to core deposits | 75.9704% | 6,401 |
| Total domestic deposits to total assets | 88.4192% | 1,762 |
| Equity capital to assets | 10.9320% | 2,752 |
| Core capital (leverage) ratio | 10.5630% | 2,539 |
| Tier 1 risk-based capital ratio | 20.8829% | 1,315 |
| Total risk-based capital ratio | 22.1344% | 1,281 |
| Memoranda: | ||
| Average total assets | $112,768,400 | 4,763 |
| Average earning assets | $108,239,800 | 4,622 |
| Average equity | $12,241,000 | 4,696 |
| Average total loans | $61,548,200 | 5,190 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5883% | 3,934 |
| Cost of funding earning assets | 2.0927% | 2,921 |
| Net interest margin | 3.4956% | 4,877 |
| Noninterest income to average assets | 0.4187% | 5,144 |
| Noninterest expense to average assets | 2.4608% | 6,212 |
| Loan and lease loss provision to assets | 0.4579% | 3,619 |
| Net operating income to assets | 0.6935% | 3,234 |
| Return on assets (ROA) | 0.7600% | 3,047 |
| Pretax return on assets | 0.9396% | 3,100 |
| Return on Equity (ROE) | 7.0142% | 3,060 |
| Retained earnings to average equity (ytd only) | 6.4653% | 1,730 |
| Net charge-offs to loans | 0.4898% | 3,266 |
| Credit loss provision to net charge-offs | 169.6035% | 2,752 |
| Earnings coverage of net charge-offs (x) | 4.8722% | 2,990 |
| Efficiency ratio | 65.1654% | 5,520 |
| Assets per employee ($millions) | 3.4213% | 5,119 |
| Cash dividends to net income (ytd only)* | 7.8253% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 3,916 |
| Loan loss allowance to noncurrent loans | 179.9163% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.9991% | 5,076 |
| Noncurrent loans to loans | 0.7804% | 5,739 |
| Net loans and leases to total assets | 53.4866% | 6,446 |
| Net loans and leases to deposits | 60.9715% | 6,751 |
| Net loans and leases to core deposits | 77.6934% | 6,515 |
| Total domestic deposits to total assets | 87.7240% | 1,789 |
| Equity capital to assets | 11.3699% | 2,695 |
| Core capital (leverage) ratio | 10.6377% | 2,679 |
| Tier 1 risk-based capital ratio | 20.4130% | 1,474 |
| Total risk-based capital ratio | 21.6737% | 1,430 |
| Memoranda: | ||
| Average total assets | $112,102,500 | 4,804 |
| Average earning assets | $107,675,500 | 4,660 |
| Average equity | $12,146,500 | 4,756 |
| Average total loans | $61,794,000 | 5,215 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6027% | 4,064 |
| Cost of funding earning assets | 2.1385% | 3,097 |
| Net interest margin | 3.4643% | 4,950 |
| Noninterest income to average assets | 0.4238% | 5,086 |
| Noninterest expense to average assets | 2.4697% | 6,224 |
| Loan and lease loss provision to assets | 0.5097% | 2,986 |
| Net operating income to assets | 0.6198% | 3,593 |
| Return on assets (ROA) | 0.6384% | 3,617 |
| Pretax return on assets | 0.7994% | 3,676 |
| Return on Equity (ROE) | 5.9918% | 3,653 |
| Retained earnings to average equity (ytd only) | 5.1526% | 2,427 |
| Net charge-offs to loans | 0.6615% | 2,378 |
| Credit loss provision to net charge-offs | 139.0244% | 3,359 |
| Earnings coverage of net charge-offs (x) | 3.5073% | 3,416 |
| Efficiency ratio | 65.7619% | 5,588 |
| Assets per employee ($millions) | 3.2403% | 5,477 |
| Cash dividends to net income (ytd only)* | 14.0056% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 4,533 |
| Loan loss allowance to noncurrent loans | 67.7056% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.0484% | 4,872 |
| Noncurrent loans to loans | 1.8613% | 3,714 |
| Net loans and leases to total assets | 55.6145% | 6,250 |
| Net loans and leases to deposits | 63.0444% | 6,651 |
| Net loans and leases to core deposits | 79.5159% | 6,446 |
| Total domestic deposits to total assets | 88.2147% | 1,663 |
| Equity capital to assets | 11.0537% | 2,867 |
| Core capital (leverage) ratio | 10.3508% | 2,949 |
| Tier 1 risk-based capital ratio | 19.9900% | 1,586 |
| Total risk-based capital ratio | 21.2115% | 1,548 |
| Memoranda: | ||
| Average total assets | $111,835,670 | 4,830 |
| Average earning assets | $107,554,330 | 4,691 |
| Average equity | $11,916,330 | 4,834 |
| Average total loans | $61,976,000 | 5,254 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5007% | 4,912 |
| Cost of funding earning assets | 2.1885% | 3,224 |
| Net interest margin | 3.3123% | 5,454 |
| Noninterest income to average assets | 0.4047% | 5,178 |
| Noninterest expense to average assets | 2.5775% | 5,539 |
| Loan and lease loss provision to assets | 0.4260% | 2,793 |
| Net operating income to assets | 0.4999% | 4,418 |
| Return on assets (ROA) | 0.5396% | 4,443 |
| Pretax return on assets | 0.6284% | 4,665 |
| Return on Equity (ROE) | 5.1589% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.1589% | 3,037 |
| Net charge-offs to loans | 0.9171% | 1,443 |
| Credit loss provision to net charge-offs | 84.5070% | 4,119 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,720 |
| Efficiency ratio | 71.8812% | 4,212 |
| Assets per employee ($millions) | 3.4321% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 5,463 |
| Loan loss allowance to noncurrent loans | 58.1197% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 1.0330% | 4,626 |
| Noncurrent loans to loans | 1.8940% | 3,422 |
| Net loans and leases to total assets | 53.9414% | 6,472 |
| Net loans and leases to deposits | 60.9295% | 6,819 |
| Net loans and leases to core deposits | 76.5455% | 6,640 |
| Total domestic deposits to total assets | 88.5308% | 1,468 |
| Equity capital to assets | 10.5907% | 3,376 |
| Core capital (leverage) ratio | 10.1734% | 3,222 |
| Tier 1 risk-based capital ratio | 19.6871% | 1,679 |
| Total risk-based capital ratio | 20.8549% | 1,649 |
| Memoranda: | ||
| Average total assets | $112,668,000 | 4,830 |
| Average earning assets | $108,204,000 | 4,683 |
| Average equity | $11,785,500 | 4,906 |
| Average total loans | $61,937,500 | 5,292 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1904% | 4,566 |
| Cost of funding earning assets | 2.7580% | 2,886 |
| Net interest margin | 3.4323% | 5,537 |
| Noninterest income to average assets | 0.3768% | 5,673 |
| Noninterest expense to average assets | 2.3645% | 6,524 |
| Loan and lease loss provision to assets | 0.1074% | 6,002 |
| Net operating income to assets | 0.8960% | 3,013 |
| Return on assets (ROA) | 0.9001% | 2,840 |
| Pretax return on assets | 1.1995% | 2,641 |
| Return on Equity (ROE) | 8.9870% | 2,649 |
| Retained earnings to average equity (ytd only) | 6.2609% | 1,403 |
| Net charge-offs to loans | 0.1547% | 4,649 |
| Credit loss provision to net charge-offs | 124.2105% | 4,313 |
| Earnings coverage of net charge-offs (x) | 15.0526% | 1,971 |
| Efficiency ratio | 64.4985% | 5,454 |
| Assets per employee ($millions) | 3.3962% | 4,952 |
| Cash dividends to net income (ytd only)* | 30.3337% | 4,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 5,055 |
| Loan loss allowance to noncurrent loans | 59.9488% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0814% | 4,131 |
| Noncurrent loans to loans | 1.8856% | 2,932 |
| Net loans and leases to total assets | 54.7834% | 6,569 |
| Net loans and leases to deposits | 61.5813% | 6,981 |
| Net loans and leases to core deposits | 78.1188% | 6,745 |
| Total domestic deposits to total assets | 88.9611% | 1,058 |
| Equity capital to assets | 10.3287% | 3,685 |
| Core capital (leverage) ratio | 10.0541% | 3,399 |
| Tier 1 risk-based capital ratio | 19.1476% | 1,783 |
| Total risk-based capital ratio | 20.3358% | 1,748 |
| Memoranda: | ||
| Average total assets | $109,875,800 | 4,791 |
| Average earning assets | $105,292,800 | 4,635 |
| Average equity | $11,004,800 | 5,122 |
| Average total loans | $61,415,000 | 5,202 |