Home > 1st United Bank > Performance and Condition Ratios
1st United Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 4,325 |
| Cost of funding earning assets | 1.2052% | 2,786 |
| Net interest margin | 2.4324% | 4,157 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.6748% | 4,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6792% | 3,244 |
| Return on assets (ROA) | 0.6792% | 3,223 |
| Pretax return on assets | 0.9434% | 2,833 |
| Return on Equity (ROE) | 9.7000% | 2,584 |
| Retained earnings to average equity (ytd only) | 4.2798% | 2,869 |
| Net charge-offs to loans | 0.0052% | 2,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 479.2500% | 301 |
| Efficiency ratio | 63.9662% | 2,612 |
| Assets per employee ($millions) | 9.1994% | 922 |
| Cash dividends to net income (ytd only)* | 55.8696% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,392 |
| Loan loss allowance to noncurrent loans | 721.8543% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,088 |
| Noncurrent loans to loans | 0.1941% | 2,542 |
| Net loans and leases to total assets | 36.2600% | 4,143 |
| Net loans and leases to deposits | 49.9187% | 3,952 |
| Net loans and leases to core deposits | 51.8359% | 4,036 |
| Total domestic deposits to total assets | 72.6300% | 4,190 |
| Equity capital to assets | 7.5468% | 3,693 |
| Core capital (leverage) ratio | 8.0789% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0559% | 909 |
| Memoranda: | ||
| Average total assets | $203,192,000 | 2,972 |
| Average earning assets | $190,672,600 | 2,940 |
| Average equity | $14,229,600 | 3,325 |
| Average total loans | $77,303,400 | 3,452 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4955% | 4,387 |
| Cost of funding earning assets | 1.0708% | 2,828 |
| Net interest margin | 2.4248% | 4,205 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.7026% | 4,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6537% | 3,421 |
| Return on assets (ROA) | 0.6537% | 3,413 |
| Pretax return on assets | 0.9143% | 3,068 |
| Return on Equity (ROE) | 9.5300% | 2,793 |
| Retained earnings to average equity (ytd only) | 2.0780% | 3,712 |
| Net charge-offs to loans | 0.0069% | 2,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 344.7500% | 412 |
| Efficiency ratio | 65.0621% | 2,379 |
| Assets per employee ($millions) | 9.2490% | 852 |
| Cash dividends to net income (ytd only)* | 78.1947% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 1,425 |
| Loan loss allowance to noncurrent loans | 2,270.8333% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,592 |
| Noncurrent loans to loans | 0.0619% | 3,309 |
| Net loans and leases to total assets | 35.9500% | 4,186 |
| Net loans and leases to deposits | 48.8376% | 3,977 |
| Net loans and leases to core deposits | 50.0674% | 4,039 |
| Total domestic deposits to total assets | 73.6000% | 4,186 |
| Equity capital to assets | 6.4788% | 3,837 |
| Core capital (leverage) ratio | 7.8209% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9459% | 1,114 |
| Memoranda: | ||
| Average total assets | $201,093,500 | 2,986 |
| Average earning assets | $188,273,000 | 2,966 |
| Average equity | $13,795,000 | 3,352 |
| Average total loans | $77,178,500 | 3,452 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2851% | 4,469 |
| Cost of funding earning assets | 0.8359% | 3,113 |
| Net interest margin | 2.4492% | 4,262 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.7341% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6359% | 3,495 |
| Return on assets (ROA) | 0.6359% | 3,505 |
| Pretax return on assets | 0.8894% | 3,197 |
| Return on Equity (ROE) | 9.0900% | 2,965 |
| Retained earnings to average equity (ytd only) | 3.5074% | 3,349 |
| Net charge-offs to loans | 0.0104% | 1,812 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 219.2500% | 559 |
| Efficiency ratio | 66.0997% | 2,225 |
| Assets per employee ($millions) | 9.6130% | 747 |
| Cash dividends to net income (ytd only)* | 61.4035% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 1,467 |
| Loan loss allowance to noncurrent loans | 1,313.2530% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,386 |
| Noncurrent loans to loans | 0.1079% | 2,938 |
| Net loans and leases to total assets | 35.8600% | 4,176 |
| Net loans and leases to deposits | 48.5181% | 3,969 |
| Net loans and leases to core deposits | 49.5933% | 4,030 |
| Total domestic deposits to total assets | 73.9100% | 4,198 |
| Equity capital to assets | 6.5446% | 3,981 |
| Core capital (leverage) ratio | 8.4197% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7515% | 1,165 |
| Memoranda: | ||
| Average total assets | $197,216,000 | 3,020 |
| Average earning assets | $184,225,333 | 2,998 |
| Average equity | $13,799,333 | 3,373 |
| Average total loans | $77,052,000 | 3,460 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2249% | 4,476 |
| Cost of funding earning assets | 0.6088% | 3,353 |
| Net interest margin | 2.6162% | 4,191 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.7656% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6944% | 3,488 |
| Return on assets (ROA) | 0.6944% | 3,436 |
| Pretax return on assets | 0.9701% | 3,079 |
| Return on Equity (ROE) | 9.5800% | 2,902 |
| Retained earnings to average equity (ytd only) | -1.6257% | 4,190 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.5385% | 2,380 |
| Assets per employee ($millions) | 8.4811% | 1,131 |
| Cash dividends to net income (ytd only)* | 116.9697% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 1,626 |
| Loan loss allowance to noncurrent loans | 3,646.6667% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 3,669 |
| Noncurrent loans to loans | 0.0384% | 3,472 |
| Net loans and leases to total assets | 41.3100% | 3,983 |
| Net loans and leases to deposits | 45.8890% | 4,040 |
| Net loans and leases to core deposits | 46.8339% | 4,086 |
| Total domestic deposits to total assets | 90.0200% | 1,148 |
| Equity capital to assets | 7.6351% | 3,484 |
| Core capital (leverage) ratio | 8.5218% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0653% | 1,358 |
| Memoranda: | ||
| Average total assets | $190,080,500 | 3,102 |
| Average earning assets | $176,747,000 | 3,087 |
| Average equity | $13,778,500 | 3,412 |
| Average total loans | $77,112,500 | 3,498 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7279% | 4,382 |
| Cost of funding earning assets | 0.2475% | 3,344 |
| Net interest margin | 2.4804% | 4,304 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.5539% | 4,363 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7929% | 3,351 |
| Return on assets (ROA) | 0.7929% | 3,284 |
| Pretax return on assets | 1.1194% | 2,710 |
| Return on Equity (ROE) | 9.0000% | 3,135 |
| Retained earnings to average equity (ytd only) | -11.6551% | 4,645 |
| Net charge-offs to loans | 0.0014% | 2,510 |
| Credit loss provision to net charge-offs | 1,000.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 2,187.0000% | 76 |
| Efficiency ratio | 56.8439% | 3,484 |
| Assets per employee ($millions) | 8.4163% | 1,134 |
| Cash dividends to net income (ytd only)* | 229.4423% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 1,379 |
| Loan loss allowance to noncurrent loans | 3,529.0323% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,692 |
| Noncurrent loans to loans | 0.0408% | 3,479 |
| Net loans and leases to total assets | 38.7200% | 4,114 |
| Net loans and leases to deposits | 43.7514% | 4,126 |
| Net loans and leases to core deposits | 44.4124% | 4,166 |
| Total domestic deposits to total assets | 88.5100% | 1,877 |
| Equity capital to assets | 6.8764% | 3,723 |
| Core capital (leverage) ratio | 8.6782% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7869% | 1,164 |
| Memoranda: | ||
| Average total assets | $194,480,800 | 3,074 |
| Average earning assets | $182,592,800 | 3,050 |
| Average equity | $17,125,600 | 3,197 |
| Average total loans | $71,471,000 | 3,558 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6479% | 4,346 |
| Cost of funding earning assets | 0.1999% | 3,275 |
| Net interest margin | 2.4480% | 4,262 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.7489% | 4,076 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.6498% | 3,696 |
| Return on assets (ROA) | 0.6498% | 3,653 |
| Pretax return on assets | 0.9073% | 3,294 |
| Return on Equity (ROE) | 7.0000% | 3,595 |
| Retained earnings to average equity (ytd only) | -0.6490% | 4,399 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.1039% | 2,538 |
| Assets per employee ($millions) | 8.9080% | 926 |
| Cash dividends to net income (ytd only)* | 109.2729% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 1,026 |
| Loan loss allowance to noncurrent loans | 3,128.5714% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 3,762 |
| Noncurrent loans to loans | 0.0519% | 3,505 |
| Net loans and leases to total assets | 35.4800% | 4,253 |
| Net loans and leases to deposits | 38.6091% | 4,288 |
| Net loans and leases to core deposits | 38.7534% | 4,321 |
| Total domestic deposits to total assets | 91.9000% | 914 |
| Equity capital to assets | 7.7368% | 3,061 |
| Core capital (leverage) ratio | 9.6216% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5358% | 784 |
| Memoranda: | ||
| Average total assets | $194,707,000 | 3,098 |
| Average earning assets | $183,385,750 | 3,067 |
| Average equity | $18,079,250 | 3,157 |
| Average total loans | $70,325,000 | 3,583 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5744% | 4,299 |
| Cost of funding earning assets | 0.1975% | 2,947 |
| Net interest margin | 2.3769% | 4,253 |
| Noninterest income to average assets | 0.3143% | 3,282 |
| Noninterest expense to average assets | 1.7318% | 4,092 |
| Loan and lease loss provision to assets | 0.0101% | 2,405 |
| Net operating income to assets | 0.5860% | 3,667 |
| Return on assets (ROA) | 0.5860% | 3,616 |
| Pretax return on assets | 0.8182% | 3,277 |
| Return on Equity (ROE) | 5.9954% | 3,575 |
| Retained earnings to average equity (ytd only) | 5.9954% | 2,337 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2277% | 2,617 |
| Assets per employee ($millions) | 8.8631% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 1,398 |
| Loan loss allowance to noncurrent loans | 2,959.4595% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,821 |
| Noncurrent loans to loans | 0.0508% | 3,568 |
| Net loans and leases to total assets | 36.8169% | 4,215 |
| Net loans and leases to deposits | 41.0657% | 4,225 |
| Net loans and leases to core deposits | 41.2161% | 4,290 |
| Total domestic deposits to total assets | 89.6538% | 1,867 |
| Equity capital to assets | 8.9015% | 2,444 |
| Core capital (leverage) ratio | 9.8019% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9435% | 729 |
| Memoranda: | ||
| Average total assets | $197,253,333 | 3,113 |
| Average earning assets | $186,375,333 | 3,091 |
| Average equity | $19,281,333 | 3,128 |
| Average total loans | $71,275,667 | 3,600 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5086% | 4,256 |
| Cost of funding earning assets | 0.1913% | 2,924 |
| Net interest margin | 2.3173% | 4,208 |
| Noninterest income to average assets | 0.3549% | 2,967 |
| Noninterest expense to average assets | 1.7521% | 4,047 |
| Loan and lease loss provision to assets | 0.0202% | 1,993 |
| Net operating income to assets | 0.5565% | 3,537 |
| Return on assets (ROA) | 0.5565% | 3,512 |
| Pretax return on assets | 0.7803% | 3,169 |
| Return on Equity (ROE) | 5.4536% | 3,497 |
| Retained earnings to average equity (ytd only) | 5.4536% | 2,431 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0869% | 2,896 |
| Assets per employee ($millions) | 8.6774% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 1,370 |
| Loan loss allowance to noncurrent loans | 2,881.5789% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,867 |
| Noncurrent loans to loans | 0.0543% | 3,593 |
| Net loans and leases to total assets | 34.5475% | 4,285 |
| Net loans and leases to deposits | 38.2905% | 4,314 |
| Net loans and leases to core deposits | 38.4266% | 4,358 |
| Total domestic deposits to total assets | 90.2250% | 1,428 |
| Equity capital to assets | 9.4103% | 2,353 |
| Core capital (leverage) ratio | 9.7801% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2570% | 538 |
| Memoranda: | ||
| Average total assets | $198,385,500 | 3,115 |
| Average earning assets | $188,150,500 | 3,091 |
| Average equity | $20,243,500 | 3,126 |
| Average total loans | $70,471,500 | 3,608 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9476% | 3,971 |
| Cost of funding earning assets | 0.2144% | 3,322 |
| Net interest margin | 2.7331% | 3,808 |
| Noninterest income to average assets | 0.7836% | 1,496 |
| Noninterest expense to average assets | 1.7971% | 4,151 |
| Loan and lease loss provision to assets | 0.0890% | 1,393 |
| Net operating income to assets | 1.0666% | 2,433 |
| Return on assets (ROA) | 1.0868% | 2,417 |
| Pretax return on assets | 1.5200% | 1,654 |
| Return on Equity (ROE) | 9.4829% | 2,727 |
| Retained earnings to average equity (ytd only) | 4.9083% | 2,817 |
| Net charge-offs to loans | -0.0314% | 4,142 |
| Credit loss provision to net charge-offs | -739.1304% | 3,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3874% | 4,258 |
| Assets per employee ($millions) | 8.9632% | 927 |
| Cash dividends to net income (ytd only)* | 48.2410% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 1,452 |
| Loan loss allowance to noncurrent loans | 2,127.4510% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,867 |
| Noncurrent loans to loans | 0.0719% | 3,575 |
| Net loans and leases to total assets | 35.4037% | 4,318 |
| Net loans and leases to deposits | 40.0017% | 4,340 |
| Net loans and leases to core deposits | 40.2589% | 4,383 |
| Total domestic deposits to total assets | 88.5056% | 1,788 |
| Equity capital to assets | 11.0076% | 1,785 |
| Core capital (leverage) ratio | 9.6178% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8628% | 775 |
| Memoranda: | ||
| Average total assets | $190,919,600 | 3,126 |
| Average earning assets | $181,402,600 | 3,085 |
| Average equity | $21,881,400 | 3,070 |
| Average total loans | $73,352,000 | 3,596 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0010% | 4,001 |
| Cost of funding earning assets | 0.2173% | 3,446 |
| Net interest margin | 2.7837% | 3,814 |
| Noninterest income to average assets | 0.7422% | 1,689 |
| Noninterest expense to average assets | 1.8195% | 4,128 |
| Loan and lease loss provision to assets | 0.1056% | 1,145 |
| Net operating income to assets | 1.0423% | 2,759 |
| Return on assets (ROA) | 1.0696% | 2,719 |
| Pretax return on assets | 1.4949% | 2,002 |
| Return on Equity (ROE) | 9.2372% | 3,025 |
| Retained earnings to average equity (ytd only) | 3.1500% | 3,852 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9567% | 4,126 |
| Assets per employee ($millions) | 8.7897% | 958 |
| Cash dividends to net income (ytd only)* | 65.8986% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 1,759 |
| Loan loss allowance to noncurrent loans | 166.9872% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 2,229 |
| Noncurrent loans to loans | 0.8783% | 1,306 |
| Net loans and leases to total assets | 34.6295% | 4,442 |
| Net loans and leases to deposits | 38.9728% | 4,489 |
| Net loans and leases to core deposits | 39.0759% | 4,539 |
| Total domestic deposits to total assets | 88.8555% | 1,369 |
| Equity capital to assets | 10.8655% | 2,113 |
| Core capital (leverage) ratio | 9.4332% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6292% | 729 |
| Memoranda: | ||
| Average total assets | $189,351,750 | 3,171 |
| Average earning assets | $179,804,750 | 3,133 |
| Average equity | $21,925,250 | 3,098 |
| Average total loans | $73,965,500 | 3,631 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0229% | 4,000 |
| Cost of funding earning assets | 0.2245% | 3,519 |
| Net interest margin | 2.7984% | 3,786 |
| Noninterest income to average assets | 0.8342% | 1,442 |
| Noninterest expense to average assets | 1.8813% | 4,014 |
| Loan and lease loss provision to assets | 0.1297% | 962 |
| Net operating income to assets | 1.0547% | 2,698 |
| Return on assets (ROA) | 1.0547% | 2,778 |
| Pretax return on assets | 1.4772% | 2,088 |
| Return on Equity (ROE) | 8.9085% | 3,125 |
| Retained earnings to average equity (ytd only) | 4.3721% | 3,406 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1462% | 4,132 |
| Assets per employee ($millions) | 7.9703% | 1,225 |
| Cash dividends to net income (ytd only)* | 50.9221% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 2,235 |
| Loan loss allowance to noncurrent loans | 130.0771% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 1,985 |
| Noncurrent loans to loans | 1.0317% | 1,187 |
| Net loans and leases to total assets | 38.8952% | 4,339 |
| Net loans and leases to deposits | 44.0694% | 4,377 |
| Net loans and leases to core deposits | 44.1935% | 4,450 |
| Total domestic deposits to total assets | 88.2589% | 1,693 |
| Equity capital to assets | 11.5089% | 1,623 |
| Core capital (leverage) ratio | 9.4747% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0316% | 954 |
| Memoranda: | ||
| Average total assets | $185,081,333 | 3,211 |
| Average earning assets | $175,527,000 | 3,172 |
| Average equity | $21,911,667 | 3,097 |
| Average total loans | $74,937,333 | 3,633 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1436% | 3,794 |
| Cost of funding earning assets | 0.2181% | 3,743 |
| Net interest margin | 2.9255% | 3,449 |
| Noninterest income to average assets | 0.8858% | 1,368 |
| Noninterest expense to average assets | 1.8640% | 4,071 |
| Loan and lease loss provision to assets | 0.1319% | 1,037 |
| Net operating income to assets | 1.1848% | 2,211 |
| Return on assets (ROA) | 1.1848% | 2,282 |
| Pretax return on assets | 1.6617% | 1,576 |
| Return on Equity (ROE) | 9.8628% | 2,744 |
| Retained earnings to average equity (ytd only) | 0.7685% | 4,258 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2572% | 4,323 |
| Assets per employee ($millions) | 7.5572% | 1,419 |
| Cash dividends to net income (ytd only)* | 92.2078% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,472 |
| Loan loss allowance to noncurrent loans | 143.5897% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 2,398 |
| Noncurrent loans to loans | 0.9008% | 1,503 |
| Net loans and leases to total assets | 38.4547% | 4,408 |
| Net loans and leases to deposits | 43.7483% | 4,431 |
| Net loans and leases to core deposits | 44.0166% | 4,496 |
| Total domestic deposits to total assets | 87.8997% | 1,894 |
| Equity capital to assets | 11.4159% | 1,597 |
| Core capital (leverage) ratio | 10.0457% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,979,000 | 3,238 |
| Average earning assets | $172,416,000 | 3,189 |
| Average equity | $21,860,000 | 3,085 |
| Average total loans | $74,699,500 | 3,658 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4803% | 4,066 |
| Cost of funding earning assets | 0.2575% | 4,348 |
| Net interest margin | 3.2228% | 3,295 |
| Noninterest income to average assets | 1.2025% | 773 |
| Noninterest expense to average assets | 2.5701% | 2,637 |
| Loan and lease loss provision to assets | 0.1175% | 2,887 |
| Net operating income to assets | 1.0887% | 1,963 |
| Return on assets (ROA) | 1.2885% | 1,381 |
| Pretax return on assets | 1.7930% | 694 |
| Return on Equity (ROE) | 9.7458% | 2,097 |
| Retained earnings to average equity (ytd only) | 4.7700% | 2,386 |
| Net charge-offs to loans | 0.0026% | 3,300 |
| Credit loss provision to net charge-offs | 9,500.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 1,340.5000% | 81 |
| Efficiency ratio | 57.9263% | 3,733 |
| Assets per employee ($millions) | 7.0012% | 1,588 |
| Cash dividends to net income (ytd only)* | 51.0557% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 3,071 |
| Loan loss allowance to noncurrent loans | 2,230.0000% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 4,275 |
| Noncurrent loans to loans | 0.0528% | 4,079 |
| Net loans and leases to total assets | 42.7946% | 4,312 |
| Net loans and leases to deposits | 49.2084% | 4,347 |
| Net loans and leases to core deposits | 49.3826% | 4,443 |
| Total domestic deposits to total assets | 86.9662% | 1,960 |
| Equity capital to assets | 12.6562% | 1,255 |
| Core capital (leverage) ratio | 10.3625% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,741,800 | 3,275 |
| Average earning assets | $151,825,200 | 3,250 |
| Average equity | $21,383,600 | 3,066 |
| Average total loans | $77,568,800 | 3,600 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5834% | 4,057 |
| Cost of funding earning assets | 0.2649% | 4,450 |
| Net interest margin | 3.3185% | 3,130 |
| Noninterest income to average assets | 1.2002% | 740 |
| Noninterest expense to average assets | 2.5779% | 2,607 |
| Loan and lease loss provision to assets | 0.1092% | 2,953 |
| Net operating income to assets | 1.1598% | 1,786 |
| Return on assets (ROA) | 1.1598% | 1,900 |
| Pretax return on assets | 1.6227% | 1,120 |
| Return on Equity (ROE) | 8.6699% | 2,536 |
| Retained earnings to average equity (ytd only) | 2.0888% | 3,900 |
| Net charge-offs to loans | 0.0034% | 3,052 |
| Credit loss provision to net charge-offs | 6,500.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 1,029.0000% | 116 |
| Efficiency ratio | 56.8639% | 3,811 |
| Assets per employee ($millions) | 6.6381% | 1,723 |
| Cash dividends to net income (ytd only)* | 75.9071% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,568 |
| Loan loss allowance to noncurrent loans | 2,080.0000% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,353 |
| Noncurrent loans to loans | 0.0495% | 4,177 |
| Net loans and leases to total assets | 46.3515% | 4,294 |
| Net loans and leases to deposits | 53.3850% | 4,360 |
| Net loans and leases to core deposits | 53.5742% | 4,467 |
| Total domestic deposits to total assets | 86.8248% | 1,731 |
| Equity capital to assets | 12.4636% | 1,444 |
| Core capital (leverage) ratio | 10.0011% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,420,000 | 3,287 |
| Average earning assets | $148,457,750 | 3,263 |
| Average equity | $21,191,500 | 3,074 |
| Average total loans | $78,012,250 | 3,607 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7499% | 3,980 |
| Cost of funding earning assets | 0.2756% | 4,552 |
| Net interest margin | 3.4743% | 2,869 |
| Noninterest income to average assets | 1.0514% | 899 |
| Noninterest expense to average assets | 2.5635% | 2,787 |
| Loan and lease loss provision to assets | 0.0911% | 3,128 |
| Net operating income to assets | 1.2677% | 1,447 |
| Return on assets (ROA) | 1.3078% | 1,445 |
| Pretax return on assets | 1.6955% | 1,010 |
| Return on Equity (ROE) | 9.5328% | 2,131 |
| Retained earnings to average equity (ytd only) | 4.6194% | 2,653 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3862% | 3,897 |
| Assets per employee ($millions) | 6.2350% | 2,000 |
| Cash dividends to net income (ytd only)* | 51.5423% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 3,910 |
| Loan loss allowance to noncurrent loans | 1,935.0000% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 3,954 |
| Noncurrent loans to loans | 0.0477% | 4,292 |
| Net loans and leases to total assets | 49.3795% | 4,186 |
| Net loans and leases to deposits | 56.8311% | 4,268 |
| Net loans and leases to core deposits | 57.1649% | 4,391 |
| Total domestic deposits to total assets | 86.8882% | 1,668 |
| Equity capital to assets | 12.9092% | 1,206 |
| Core capital (leverage) ratio | 10.6151% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5273% | 1,359 |
| Memoranda: | ||
| Average total assets | $153,696,667 | 3,313 |
| Average earning assets | $143,683,333 | 3,298 |
| Average equity | $21,085,000 | 3,074 |
| Average total loans | $77,073,000 | 3,628 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 3,887 |
| Cost of funding earning assets | 0.3050% | 4,646 |
| Net interest margin | 3.6601% | 2,473 |
| Noninterest income to average assets | 0.8799% | 1,105 |
| Noninterest expense to average assets | 2.7437% | 2,598 |
| Loan and lease loss provision to assets | 0.0820% | 2,672 |
| Net operating income to assets | 1.1983% | 1,520 |
| Return on assets (ROA) | 1.2789% | 1,399 |
| Pretax return on assets | 1.5631% | 1,147 |
| Return on Equity (ROE) | 9.0167% | 2,108 |
| Retained earnings to average equity (ytd only) | -0.9633% | 4,134 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 3,738 |
| Assets per employee ($millions) | 5.2970% | 2,326 |
| Cash dividends to net income (ytd only)* | 110.6838% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 3,613 |
| Loan loss allowance to noncurrent loans | 1,790.2439% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 3,973 |
| Noncurrent loans to loans | 0.0568% | 4,325 |
| Net loans and leases to total assets | 48.1610% | 4,327 |
| Net loans and leases to deposits | 56.7066% | 4,339 |
| Net loans and leases to core deposits | 57.0936% | 4,456 |
| Total domestic deposits to total assets | 84.9303% | 2,436 |
| Equity capital to assets | 14.2654% | 981 |
| Core capital (leverage) ratio | 11.4725% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,372,500 | 3,375 |
| Average earning assets | $136,390,000 | 3,365 |
| Average equity | $20,761,500 | 3,096 |
| Average total loans | $73,658,500 | 3,686 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 3,908 |
| Cost of funding earning assets | 0.3229% | 4,675 |
| Net interest margin | 3.8373% | 2,378 |
| Noninterest income to average assets | 1.0389% | 889 |
| Noninterest expense to average assets | 3.0010% | 2,016 |
| Loan and lease loss provision to assets | 0.0837% | 2,333 |
| Net operating income to assets | 1.5319% | 987 |
| Return on assets (ROA) | 1.5319% | 1,037 |
| Pretax return on assets | 1.5332% | 1,704 |
| Return on Equity (ROE) | 11.3540% | 1,747 |
| Retained earnings to average equity (ytd only) | 5.3385% | 2,256 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2179% | 3,813 |
| Assets per employee ($millions) | 5.1581% | 2,385 |
| Cash dividends to net income (ytd only)* | 52.9813% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 3,802 |
| Loan loss allowance to noncurrent loans | 1,497.8723% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 3,931 |
| Noncurrent loans to loans | 0.0625% | 4,289 |
| Net loans and leases to total assets | 51.5468% | 4,255 |
| Net loans and leases to deposits | 60.1590% | 4,281 |
| Net loans and leases to core deposits | 60.5160% | 4,417 |
| Total domestic deposits to total assets | 85.6842% | 2,201 |
| Equity capital to assets | 14.1005% | 1,059 |
| Core capital (leverage) ratio | 11.7754% | 1,908 |
| Tier 1 risk-based capital ratio | 17.6783% | 1,845 |
| Total risk-based capital ratio | 18.4402% | 1,936 |
| Memoranda: | ||
| Average total assets | $143,421,000 | 3,387 |
| Average earning assets | $133,767,600 | 3,371 |
| Average equity | $19,350,000 | 3,186 |
| Average total loans | $74,976,200 | 3,678 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 3,956 |
| Cost of funding earning assets | 0.3164% | 4,760 |
| Net interest margin | 3.8661% | 2,381 |
| Noninterest income to average assets | 0.9983% | 939 |
| Noninterest expense to average assets | 3.0071% | 1,959 |
| Loan and lease loss provision to assets | 0.0838% | 2,229 |
| Net operating income to assets | 1.5124% | 1,159 |
| Return on assets (ROA) | 1.5124% | 1,215 |
| Pretax return on assets | 1.5143% | 1,915 |
| Return on Equity (ROE) | 11.3388% | 1,876 |
| Retained earnings to average equity (ytd only) | 3.4980% | 3,658 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5147% | 3,728 |
| Assets per employee ($millions) | 4.7715% | 2,828 |
| Cash dividends to net income (ytd only)* | 69.1504% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 4,139 |
| Loan loss allowance to noncurrent loans | 328.7805% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 4,021 |
| Noncurrent loans to loans | 0.2660% | 3,593 |
| Net loans and leases to total assets | 53.3616% | 4,227 |
| Net loans and leases to deposits | 62.4152% | 4,264 |
| Net loans and leases to core deposits | 62.4152% | 4,439 |
| Total domestic deposits to total assets | 85.4945% | 2,213 |
| Equity capital to assets | 13.8663% | 1,207 |
| Core capital (leverage) ratio | 11.2969% | 2,381 |
| Tier 1 risk-based capital ratio | 16.6402% | 2,208 |
| Total risk-based capital ratio | 17.3549% | 2,332 |
| Memoranda: | ||
| Average total assets | $143,169,250 | 3,425 |
| Average earning assets | $133,567,000 | 3,406 |
| Average equity | $19,096,250 | 3,239 |
| Average total loans | $74,932,250 | 3,725 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 4,059 |
| Cost of funding earning assets | 0.3027% | 4,819 |
| Net interest margin | 3.8426% | 2,426 |
| Noninterest income to average assets | 0.9624% | 940 |
| Noninterest expense to average assets | 2.9949% | 2,023 |
| Loan and lease loss provision to assets | 0.0838% | 2,170 |
| Net operating income to assets | 1.4625% | 1,255 |
| Return on assets (ROA) | 1.4625% | 1,310 |
| Pretax return on assets | 1.4653% | 1,973 |
| Return on Equity (ROE) | 11.1115% | 1,933 |
| Retained earnings to average equity (ytd only) | 4.8288% | 2,848 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0369% | 3,725 |
| Assets per employee ($millions) | 4.7423% | 2,818 |
| Cash dividends to net income (ytd only)* | 56.5425% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 4,306 |
| Loan loss allowance to noncurrent loans | 314.1463% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 4,042 |
| Noncurrent loans to loans | 0.2675% | 3,573 |
| Net loans and leases to total assets | 53.4083% | 4,252 |
| Net loans and leases to deposits | 62.1816% | 4,322 |
| Net loans and leases to core deposits | 62.1816% | 4,492 |
| Total domestic deposits to total assets | 85.8909% | 2,091 |
| Equity capital to assets | 13.8568% | 1,181 |
| Core capital (leverage) ratio | 11.2645% | 2,365 |
| Tier 1 risk-based capital ratio | 16.5407% | 2,223 |
| Total risk-based capital ratio | 17.2251% | 2,366 |
| Memoranda: | ||
| Average total assets | $143,177,000 | 3,444 |
| Average earning assets | $133,450,670 | 3,433 |
| Average equity | $18,845,330 | 3,263 |
| Average total loans | $74,223,330 | 3,763 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 4,109 |
| Cost of funding earning assets | 0.2807% | 4,896 |
| Net interest margin | 3.8255% | 2,432 |
| Noninterest income to average assets | 0.8578% | 1,150 |
| Noninterest expense to average assets | 3.0384% | 1,882 |
| Loan and lease loss provision to assets | 0.0835% | 2,033 |
| Net operating income to assets | 1.2978% | 1,702 |
| Return on assets (ROA) | 1.2978% | 1,743 |
| Pretax return on assets | 1.3033% | 2,441 |
| Return on Equity (ROE) | 10.1244% | 2,313 |
| Retained earnings to average equity (ytd only) | -1.5860% | 4,713 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6809% | 3,436 |
| Assets per employee ($millions) | 4.8294% | 2,748 |
| Cash dividends to net income (ytd only)* | 115.6652% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 4,459 |
| Loan loss allowance to noncurrent loans | 135.5408% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 3,350 |
| Noncurrent loans to loans | 0.6049% | 2,524 |
| Net loans and leases to total assets | 51.2628% | 4,387 |
| Net loans and leases to deposits | 59.2411% | 4,454 |
| Net loans and leases to core deposits | 59.4783% | 4,587 |
| Total domestic deposits to total assets | 86.5324% | 2,048 |
| Equity capital to assets | 12.8864% | 1,519 |
| Core capital (leverage) ratio | 10.7093% | 2,835 |
| Tier 1 risk-based capital ratio | 15.5844% | 2,611 |
| Total risk-based capital ratio | 16.2248% | 2,827 |
| Memoranda: | ||
| Average total assets | $143,630,500 | 3,470 |
| Average earning assets | $133,942,000 | 3,456 |
| Average equity | $18,411,000 | 3,321 |
| Average total loans | $73,021,000 | 3,818 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8642% | 4,356 |
| Cost of funding earning assets | 0.2514% | 4,798 |
| Net interest margin | 3.6128% | 3,336 |
| Noninterest income to average assets | 0.9713% | 1,007 |
| Noninterest expense to average assets | 2.9715% | 2,132 |
| Loan and lease loss provision to assets | 0.1646% | 1,234 |
| Net operating income to assets | 1.1949% | 2,197 |
| Return on assets (ROA) | 1.1949% | 2,193 |
| Pretax return on assets | 1.1963% | 2,895 |
| Return on Equity (ROE) | 9.8293% | 2,586 |
| Retained earnings to average equity (ytd only) | 2.7818% | 4,007 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5396% | 3,427 |
| Assets per employee ($millions) | 4.7460% | 2,816 |
| Cash dividends to net income (ytd only)* | 71.6992% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 4,462 |
| Loan loss allowance to noncurrent loans | 115.8730% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 3,133 |
| Noncurrent loans to loans | 0.7083% | 2,220 |
| Net loans and leases to total assets | 49.5674% | 4,553 |
| Net loans and leases to deposits | 56.9214% | 4,623 |
| Net loans and leases to core deposits | 57.3875% | 4,723 |
| Total domestic deposits to total assets | 87.0803% | 1,748 |
| Equity capital to assets | 12.7490% | 1,462 |
| Core capital (leverage) ratio | 10.6568% | 2,884 |
| Tier 1 risk-based capital ratio | 17.1708% | 2,007 |
| Total risk-based capital ratio | 17.8429% | 2,156 |
| Memoranda: | ||
| Average total assets | $145,785,400 | 3,431 |
| Average earning assets | $135,630,000 | 3,417 |
| Average equity | $17,722,600 | 3,328 |
| Average total loans | $71,171,800 | 3,848 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 4,464 |
| Cost of funding earning assets | 0.2405% | 4,845 |
| Net interest margin | 3.5469% | 3,529 |
| Noninterest income to average assets | 0.9502% | 1,058 |
| Noninterest expense to average assets | 2.9142% | 2,264 |
| Loan and lease loss provision to assets | 0.1637% | 1,161 |
| Net operating income to assets | 1.1693% | 2,369 |
| Return on assets (ROA) | 1.1693% | 2,376 |
| Pretax return on assets | 1.1711% | 3,119 |
| Return on Equity (ROE) | 9.7337% | 2,739 |
| Retained earnings to average equity (ytd only) | 0.6963% | 4,915 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4652% | 3,435 |
| Assets per employee ($millions) | 5.1941% | 2,225 |
| Cash dividends to net income (ytd only)* | 92.8462% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7220% | 4,833 |
| Loan loss allowance to noncurrent loans | 140.4826% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 3,665 |
| Noncurrent loans to loans | 0.5139% | 2,841 |
| Net loans and leases to total assets | 49.5441% | 4,632 |
| Net loans and leases to deposits | 57.3084% | 4,681 |
| Net loans and leases to core deposits | 57.9127% | 4,791 |
| Total domestic deposits to total assets | 86.4518% | 1,993 |
| Equity capital to assets | 11.8863% | 1,981 |
| Core capital (leverage) ratio | 10.2129% | 3,391 |
| Tier 1 risk-based capital ratio | 16.3556% | 2,314 |
| Total risk-based capital ratio | 16.9498% | 2,503 |
| Memoranda: | ||
| Average total assets | $146,636,750 | 3,461 |
| Average earning assets | $136,377,750 | 3,447 |
| Average equity | $17,615,250 | 3,362 |
| Average total loans | $71,175,250 | 3,881 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6793% | 4,629 |
| Cost of funding earning assets | 0.2428% | 4,785 |
| Net interest margin | 3.4365% | 3,842 |
| Noninterest income to average assets | 0.9562% | 1,035 |
| Noninterest expense to average assets | 2.9571% | 2,180 |
| Loan and lease loss provision to assets | 0.1632% | 1,136 |
| Net operating income to assets | 1.0283% | 2,903 |
| Return on assets (ROA) | 1.0283% | 2,907 |
| Pretax return on assets | 1.0310% | 3,565 |
| Return on Equity (ROE) | 8.5305% | 3,246 |
| Retained earnings to average equity (ytd only) | 1.7941% | 4,526 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9738% | 3,161 |
| Assets per employee ($millions) | 4.6829% | 2,835 |
| Cash dividends to net income (ytd only)* | 78.9683% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6705% | 4,996 |
| Loan loss allowance to noncurrent loans | 146.3722% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 2,844 |
| Noncurrent loans to loans | 0.4581% | 3,061 |
| Net loans and leases to total assets | 47.3476% | 4,755 |
| Net loans and leases to deposits | 53.9432% | 4,849 |
| Net loans and leases to core deposits | 54.6974% | 4,910 |
| Total domestic deposits to total assets | 87.7730% | 1,488 |
| Equity capital to assets | 12.0231% | 1,840 |
| Core capital (leverage) ratio | 10.1912% | 3,370 |
| Tier 1 risk-based capital ratio | 17.0826% | 2,074 |
| Total risk-based capital ratio | 17.6332% | 2,246 |
| Memoranda: | ||
| Average total assets | $147,037,000 | 3,479 |
| Average earning assets | $136,710,670 | 3,463 |
| Average equity | $17,724,670 | 3,361 |
| Average total loans | $70,707,330 | 3,916 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5906% | 4,724 |
| Cost of funding earning assets | 0.2293% | 4,840 |
| Net interest margin | 3.3612% | 4,018 |
| Noninterest income to average assets | 1.1300% | 734 |
| Noninterest expense to average assets | 2.8925% | 2,397 |
| Loan and lease loss provision to assets | 0.1622% | 1,115 |
| Net operating income to assets | 1.2002% | 2,003 |
| Return on assets (ROA) | 1.2002% | 2,016 |
| Pretax return on assets | 1.2056% | 2,727 |
| Return on Equity (ROE) | 9.9440% | 2,468 |
| Retained earnings to average equity (ytd only) | 9.9440% | 1,178 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8655% | 3,807 |
| Assets per employee ($millions) | 5.4366% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5711% | 5,238 |
| Loan loss allowance to noncurrent loans | 80.5169% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 3,470 |
| Noncurrent loans to loans | 0.7093% | 2,439 |
| Net loans and leases to total assets | 48.0370% | 4,696 |
| Net loans and leases to deposits | 54.8040% | 4,756 |
| Net loans and leases to core deposits | 55.2579% | 4,861 |
| Total domestic deposits to total assets | 87.6523% | 1,817 |
| Equity capital to assets | 12.1508% | 1,684 |
| Core capital (leverage) ratio | 10.2192% | 3,279 |
| Tier 1 risk-based capital ratio | 17.3919% | 2,007 |
| Total risk-based capital ratio | 17.8749% | 2,179 |
| Memoranda: | ||
| Average total assets | $147,970,000 | 3,491 |
| Average earning assets | $137,806,000 | 3,481 |
| Average equity | $17,860,000 | 3,373 |
| Average total loans | $71,461,500 | 3,938 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 4,335 |
| Cost of funding earning assets | 0.2559% | 4,515 |
| Net interest margin | 3.4452% | 3,705 |
| Noninterest income to average assets | 0.8360% | 1,448 |
| Noninterest expense to average assets | 2.9137% | 2,408 |
| Loan and lease loss provision to assets | 0.1331% | 1,724 |
| Net operating income to assets | 0.9822% | 2,315 |
| Return on assets (ROA) | 0.9822% | 2,353 |
| Pretax return on assets | 0.9822% | 3,639 |
| Return on Equity (ROE) | 8.3607% | 2,624 |
| Retained earnings to average equity (ytd only) | 2.6916% | 3,704 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0177% | 3,931 |
| Assets per employee ($millions) | 5.5241% | 1,906 |
| Cash dividends to net income (ytd only)* | 67.8068% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4791% | 5,408 |
| Loan loss allowance to noncurrent loans | 267.4419% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 4,693 |
| Noncurrent loans to loans | 0.1792% | 4,202 |
| Net loans and leases to total assets | 48.0453% | 4,764 |
| Net loans and leases to deposits | 54.8770% | 4,854 |
| Net loans and leases to core deposits | 55.6682% | 4,949 |
| Total domestic deposits to total assets | 87.5509% | 1,732 |
| Equity capital to assets | 11.9905% | 1,845 |
| Core capital (leverage) ratio | 9.8413% | 3,648 |
| Tier 1 risk-based capital ratio | 16.7749% | 2,167 |
| Total risk-based capital ratio | 17.1800% | 2,401 |
| Memoranda: | ||
| Average total assets | $151,799,000 | 3,448 |
| Average earning assets | $140,687,600 | 3,441 |
| Average equity | $17,833,400 | 3,389 |
| Average total loans | $75,308,000 | 3,838 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6688% | 4,399 |
| Cost of funding earning assets | 0.2579% | 4,498 |
| Net interest margin | 3.4109% | 3,809 |
| Noninterest income to average assets | 0.8369% | 1,455 |
| Noninterest expense to average assets | 2.9620% | 2,210 |
| Loan and lease loss provision to assets | 0.1111% | 1,928 |
| Net operating income to assets | 0.9217% | 2,916 |
| Return on assets (ROA) | 0.9217% | 2,976 |
| Pretax return on assets | 0.9217% | 3,964 |
| Return on Equity (ROE) | 7.8858% | 3,185 |
| Retained earnings to average equity (ytd only) | 0.3217% | 5,145 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5438% | 3,808 |
| Assets per employee ($millions) | 5.5571% | 1,874 |
| Cash dividends to net income (ytd only)* | 95.9204% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3501% | 5,598 |
| Loan loss allowance to noncurrent loans | 83.5913% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 4,215 |
| Noncurrent loans to loans | 0.4189% | 3,446 |
| Net loans and leases to total assets | 51.2133% | 4,632 |
| Net loans and leases to deposits | 58.4262% | 4,727 |
| Net loans and leases to core deposits | 59.2625% | 4,853 |
| Total domestic deposits to total assets | 87.6547% | 1,545 |
| Equity capital to assets | 11.8561% | 2,066 |
| Core capital (leverage) ratio | 9.3135% | 4,392 |
| Tier 1 risk-based capital ratio | 15.1403% | 2,864 |
| Total risk-based capital ratio | 15.4372% | 3,264 |
| Memoranda: | ||
| Average total assets | $152,461,000 | 3,467 |
| Average earning assets | $141,150,750 | 3,462 |
| Average equity | $17,820,750 | 3,422 |
| Average total loans | $76,133,750 | 3,856 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 4,463 |
| Cost of funding earning assets | 0.2611% | 4,455 |
| Net interest margin | 3.3593% | 3,913 |
| Noninterest income to average assets | 0.8234% | 1,488 |
| Noninterest expense to average assets | 3.0470% | 1,984 |
| Loan and lease loss provision to assets | 0.0953% | 2,086 |
| Net operating income to assets | 0.7869% | 3,453 |
| Return on assets (ROA) | 0.7869% | 3,512 |
| Pretax return on assets | 0.7869% | 4,325 |
| Return on Equity (ROE) | 6.7634% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.7634% | 1,707 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7330% | 3,718 |
| Assets per employee ($millions) | 5.6873% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2782% | 5,676 |
| Loan loss allowance to noncurrent loans | 66.0550% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 4,310 |
| Noncurrent loans to loans | 0.4211% | 3,513 |
| Net loans and leases to total assets | 50.4239% | 4,678 |
| Net loans and leases to deposits | 57.8355% | 4,758 |
| Net loans and leases to core deposits | 58.3164% | 4,907 |
| Total domestic deposits to total assets | 87.1851% | 1,861 |
| Equity capital to assets | 11.9826% | 1,944 |
| Core capital (leverage) ratio | 9.4499% | 4,182 |
| Tier 1 risk-based capital ratio | 14.9421% | 2,954 |
| Total risk-based capital ratio | 15.1688% | 3,387 |
| Memoranda: | ||
| Average total assets | $153,267,670 | 3,475 |
| Average earning assets | $141,697,000 | 3,468 |
| Average equity | $17,831,330 | 3,421 |
| Average total loans | $75,808,000 | 3,889 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6574% | 4,252 |
| Cost of funding earning assets | 0.2408% | 4,628 |
| Net interest margin | 3.4166% | 3,592 |
| Noninterest income to average assets | 0.9065% | 1,218 |
| Noninterest expense to average assets | 2.3772% | 4,189 |
| Loan and lease loss provision to assets | 0.1123% | 1,705 |
| Net operating income to assets | 1.5674% | 720 |
| Return on assets (ROA) | 1.5674% | 740 |
| Pretax return on assets | 1.5674% | 1,319 |
| Return on Equity (ROE) | 13.6776% | 866 |
| Retained earnings to average equity (ytd only) | 13.6776% | 319 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5963% | 4,647 |
| Assets per employee ($millions) | 5.0219% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 46.3454% | 4,923 |
| Net loans and leases to deposits | 52.6792% | 5,001 |
| Net loans and leases to core deposits | 53.1061% | 5,099 |
| Total domestic deposits to total assets | 87.9765% | 1,727 |
| Equity capital to assets | 11.5539% | 2,146 |
| Core capital (leverage) ratio | 8.7577% | 4,992 |
| Tier 1 risk-based capital ratio | 13.8679% | 3,566 |
| Total risk-based capital ratio | 14.7083% | 3,716 |
| Memoranda: | ||
| Average total assets | $153,123,500 | 3,512 |
| Average earning assets | $141,194,500 | 3,510 |
| Average equity | $17,547,000 | 3,479 |
| Average total loans | $74,889,500 | 3,927 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6189% | 5,864 |
| Cost of funding earning assets | 0.1164% | 5,627 |
| Net interest margin | 1.5025% | 5,854 |
| Noninterest income to average assets | 0.4766% | 3,367 |
| Noninterest expense to average assets | 1.1155% | 5,841 |
| Loan and lease loss provision to assets | 0.0975% | 2,422 |
| Net operating income to assets | 0.6716% | 3,904 |
| Return on assets (ROA) | 0.6893% | 3,942 |
| Pretax return on assets | 0.6893% | 4,523 |
| Return on Equity (ROE) | 6.8844% | 3,529 |
| Retained earnings to average equity (ytd only) | 6.8844% | 1,278 |
| Net charge-offs to loans | 0.1103% | 2,169 |
| Credit loss provision to net charge-offs | 164.3678% | 1,684 |
| Earnings coverage of net charge-offs (x) | 12.9655% | 2,406 |
| Efficiency ratio | 59.1896% | 4,700 |
| Assets per employee ($millions) | 4.8570% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 4,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 4,924 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 50.5174% | 4,725 |
| Net loans and leases to deposits | 57.9665% | 4,790 |
| Net loans and leases to core deposits | 58.0997% | 4,958 |
| Total domestic deposits to total assets | 87.1493% | 2,057 |
| Equity capital to assets | 11.3616% | 2,279 |
| Core capital (leverage) ratio | 8.5926% | 5,174 |
| Tier 1 risk-based capital ratio | 12.1546% | 4,612 |
| Total risk-based capital ratio | 12.9270% | 4,844 |
| Memoranda: | ||
| Average total assets | $146,662,000 | 3,569 |
| Average earning assets | $137,438,200 | 3,528 |
| Average equity | $14,685,400 | 3,852 |
| Average total loans | $78,900,800 | 3,823 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0402% | 5,951 |
| Cost of funding earning assets | 0.0700% | 5,874 |
| Net interest margin | 0.9702% | 5,950 |
| Noninterest income to average assets | 0.2389% | 5,047 |
| Noninterest expense to average assets | 0.7422% | 5,951 |
| Loan and lease loss provision to assets | 0.0915% | 2,398 |
| Net operating income to assets | 0.3185% | 5,245 |
| Return on assets (ROA) | 0.3185% | 5,325 |
| Pretax return on assets | 0.3185% | 5,433 |
| Return on Equity (ROE) | 3.2954% | 5,144 |
| Retained earnings to average equity (ytd only) | 3.2954% | 3,926 |
| Net charge-offs to loans | 0.1461% | 1,532 |
| Credit loss provision to net charge-offs | 114.9425% | 2,161 |
| Earnings coverage of net charge-offs (x) | 5.1493% | 3,167 |
| Efficiency ratio | 64.4162% | 3,865 |
| Assets per employee ($millions) | 5.1240% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 4,320 |
| Loan loss allowance to noncurrent loans | 381.9512% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 4,519 |
| Noncurrent loans to loans | 0.2660% | 4,309 |
| Net loans and leases to total assets | 49.6240% | 4,848 |
| Net loans and leases to deposits | 56.4425% | 4,964 |
| Net loans and leases to core deposits | 56.5685% | 5,118 |
| Total domestic deposits to total assets | 87.9196% | 1,436 |
| Equity capital to assets | 11.5301% | 2,490 |
| Core capital (leverage) ratio | 8.0005% | 5,690 |
| Tier 1 risk-based capital ratio | 12.3425% | 4,578 |
| Total risk-based capital ratio | 13.1736% | 4,728 |
| Memoranda: | ||
| Average total assets | $145,685,500 | 3,597 |
| Average earning assets | $137,150,750 | 3,554 |
| Average equity | $14,080,000 | 3,966 |
| Average total loans | $79,414,500 | 3,839 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 3,182 |
| Cost of funding earning assets | 0.2552% | 4,603 |
| Net interest margin | 3.7619% | 2,469 |
| Noninterest income to average assets | 0.8839% | 1,425 |
| Noninterest expense to average assets | 3.3747% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0755% | 2,065 |
| Return on assets (ROA) | 1.0755% | 2,186 |
| Pretax return on assets | 1.0755% | 3,304 |
| Return on Equity (ROE) | 11.9546% | 1,343 |
| Retained earnings to average equity (ytd only) | -39.1284% | 6,025 |
| Net charge-offs to loans | 0.2170% | 1,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.8391% | 2,482 |
| Efficiency ratio | 75.8328% | 2,106 |
| Assets per employee ($millions) | 4.1494% | 3,655 |
| Cash dividends to net income (ytd only)* | 427.3082% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 5,064 |
| Loan loss allowance to noncurrent loans | 1,118.7500% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 2,522 |
| Noncurrent loans to loans | 0.0776% | 5,138 |
| Net loans and leases to total assets | 56.2622% | 4,279 |
| Net loans and leases to deposits | 62.6550% | 4,600 |
| Net loans and leases to core deposits | 62.8004% | 4,830 |
| Total domestic deposits to total assets | 89.7968% | 563 |
| Equity capital to assets | 7.9536% | 5,819 |
| Core capital (leverage) ratio | 7.0263% | 5,951 |
| Tier 1 risk-based capital ratio | 9.9423% | 5,874 |
| Total risk-based capital ratio | 10.6550% | 5,948 |
| Memoranda: | ||
| Average total assets | $143,007,330 | 3,656 |
| Average earning assets | $135,569,330 | 3,604 |
| Average equity | $12,865,330 | 4,165 |
| Average total loans | $80,197,670 | 3,838 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9681% | 3,339 |
| Cost of funding earning assets | 0.2501% | 4,708 |
| Net interest margin | 3.7181% | 2,596 |
| Noninterest income to average assets | 0.8513% | 1,437 |
| Noninterest expense to average assets | 3.2277% | 1,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1445% | 1,731 |
| Return on assets (ROA) | 1.1445% | 1,849 |
| Pretax return on assets | 1.1445% | 2,916 |
| Return on Equity (ROE) | 12.0096% | 1,313 |
| Retained earnings to average equity (ytd only) | -5.7386% | 5,641 |
| Net charge-offs to loans | 0.0607% | 1,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 33.8333% | 1,111 |
| Efficiency ratio | 73.8233% | 2,508 |
| Assets per employee ($millions) | 3.9978% | 3,947 |
| Cash dividends to net income (ytd only)* | 147.7833% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 4,566 |
| Loan loss allowance to noncurrent loans | 557.0423% | 924 |
| Noncurrent assets plus other real estate owned to assets | 1.2271% | 1,775 |
| Noncurrent loans to loans | 0.1807% | 4,759 |
| Net loans and leases to total assets | 54.0651% | 4,447 |
| Net loans and leases to deposits | 60.0863% | 4,710 |
| Net loans and leases to core deposits | 60.2259% | 4,924 |
| Total domestic deposits to total assets | 89.9791% | 606 |
| Equity capital to assets | 9.4386% | 4,729 |
| Core capital (leverage) ratio | 8.8563% | 5,019 |
| Tier 1 risk-based capital ratio | 12.5850% | 4,526 |
| Total risk-based capital ratio | 13.3939% | 4,720 |
| Memoranda: | ||
| Average total assets | $141,896,500 | 3,703 |
| Average earning assets | $134,370,500 | 3,648 |
| Average equity | $13,522,500 | 4,075 |
| Average total loans | $79,084,000 | 3,882 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1938% | 2,583 |
| Cost of funding earning assets | 0.2285% | 5,018 |
| Net interest margin | 3.9652% | 1,830 |
| Noninterest income to average assets | 0.8417% | 1,633 |
| Noninterest expense to average assets | 3.4654% | 1,356 |
| Loan and lease loss provision to assets | -0.0575% | 5,767 |
| Net operating income to assets | 1.1692% | 1,673 |
| Return on assets (ROA) | 1.1692% | 1,743 |
| Pretax return on assets | 1.1721% | 2,763 |
| Return on Equity (ROE) | 12.1194% | 1,272 |
| Retained earnings to average equity (ytd only) | 1.5335% | 4,848 |
| Net charge-offs to loans | 0.2735% | 1,108 |
| Credit loss provision to net charge-offs | -35.2423% | 5,024 |
| Earnings coverage of net charge-offs (x) | 6.8370% | 3,164 |
| Efficiency ratio | 75.6625% | 2,327 |
| Assets per employee ($millions) | 3.8854% | 4,147 |
| Cash dividends to net income (ytd only)* | 87.3464% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 4,550 |
| Loan loss allowance to noncurrent loans | 553.7931% | 975 |
| Noncurrent assets plus other real estate owned to assets | 1.3434% | 1,570 |
| Noncurrent loans to loans | 0.1822% | 4,764 |
| Net loans and leases to total assets | 56.3107% | 4,272 |
| Net loans and leases to deposits | 62.7057% | 4,578 |
| Net loans and leases to core deposits | 62.8558% | 4,806 |
| Total domestic deposits to total assets | 89.8015% | 714 |
| Equity capital to assets | 9.6237% | 4,404 |
| Core capital (leverage) ratio | 9.0062% | 4,876 |
| Tier 1 risk-based capital ratio | 12.6511% | 4,547 |
| Total risk-based capital ratio | 13.4618% | 4,721 |
| Memoranda: | ||
| Average total assets | $139,235,200 | 3,733 |
| Average earning assets | $131,265,600 | 3,674 |
| Average equity | $13,433,000 | 4,058 |
| Average total loans | $82,989,000 | 3,744 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 2,468 |
| Cost of funding earning assets | 0.2269% | 5,119 |
| Net interest margin | 4.0059% | 1,678 |
| Noninterest income to average assets | 0.8119% | 1,766 |
| Noninterest expense to average assets | 3.3713% | 1,527 |
| Loan and lease loss provision to assets | -0.1630% | 6,071 |
| Net operating income to assets | 1.3736% | 1,168 |
| Return on assets (ROA) | 1.3736% | 1,222 |
| Pretax return on assets | 1.3775% | 2,111 |
| Return on Equity (ROE) | 14.2122% | 860 |
| Retained earnings to average equity (ytd only) | 1.8249% | 4,963 |
| Net charge-offs to loans | 0.1097% | 2,025 |
| Credit loss provision to net charge-offs | -246.3768% | 5,221 |
| Earnings coverage of net charge-offs (x) | 18.3618% | 2,003 |
| Efficiency ratio | 73.5159% | 2,634 |
| Assets per employee ($millions) | 3.7978% | 4,267 |
| Cash dividends to net income (ytd only)* | 87.1597% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 4,435 |
| Loan loss allowance to noncurrent loans | 177.3931% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 1.7174% | 1,260 |
| Noncurrent loans to loans | 0.5956% | 3,541 |
| Net loans and leases to total assets | 59.6614% | 3,922 |
| Net loans and leases to deposits | 66.7024% | 4,309 |
| Net loans and leases to core deposits | 67.0324% | 4,620 |
| Total domestic deposits to total assets | 89.4441% | 804 |
| Equity capital to assets | 9.9649% | 4,195 |
| Core capital (leverage) ratio | 9.0766% | 4,909 |
| Tier 1 risk-based capital ratio | 12.4034% | 4,823 |
| Total risk-based capital ratio | 13.2669% | 4,988 |
| Memoranda: | ||
| Average total assets | $139,093,000 | 3,770 |
| Average earning assets | $131,035,750 | 3,708 |
| Average equity | $13,443,500 | 4,100 |
| Average total loans | $83,844,500 | 3,758 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 2,506 |
| Cost of funding earning assets | 0.2306% | 5,137 |
| Net interest margin | 3.9811% | 1,695 |
| Noninterest income to average assets | 0.6591% | 2,425 |
| Noninterest expense to average assets | 3.3199% | 1,644 |
| Loan and lease loss provision to assets | -0.2431% | 6,206 |
| Net operating income to assets | 1.3282% | 1,243 |
| Return on assets (ROA) | 1.3282% | 1,291 |
| Pretax return on assets | 1.3340% | 2,232 |
| Return on Equity (ROE) | 13.8829% | 928 |
| Retained earnings to average equity (ytd only) | -1.2254% | 5,725 |
| Net charge-offs to loans | 0.1637% | 1,488 |
| Credit loss provision to net charge-offs | -246.3768% | 5,063 |
| Earnings coverage of net charge-offs (x) | 11.0580% | 2,326 |
| Efficiency ratio | 75.2674% | 2,500 |
| Assets per employee ($millions) | 3.6871% | 4,456 |
| Cash dividends to net income (ytd only)* | 108.8267% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 4,516 |
| Loan loss allowance to noncurrent loans | 576.8212% | 913 |
| Noncurrent assets plus other real estate owned to assets | 1.5027% | 1,638 |
| Noncurrent loans to loans | 0.1845% | 5,040 |
| Net loans and leases to total assets | 59.3501% | 3,928 |
| Net loans and leases to deposits | 66.1471% | 4,330 |
| Net loans and leases to core deposits | 66.3107% | 4,625 |
| Total domestic deposits to total assets | 89.7245% | 775 |
| Equity capital to assets | 9.6261% | 4,498 |
| Core capital (leverage) ratio | 8.9066% | 5,087 |
| Tier 1 risk-based capital ratio | 12.1321% | 5,054 |
| Total risk-based capital ratio | 12.9950% | 5,224 |
| Memoranda: | ||
| Average total assets | $139,884,000 | 3,780 |
| Average earning assets | $131,822,670 | 3,725 |
| Average equity | $13,383,330 | 4,140 |
| Average total loans | $84,312,670 | 3,774 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 2,529 |
| Cost of funding earning assets | 0.2334% | 5,183 |
| Net interest margin | 3.9470% | 1,724 |
| Noninterest income to average assets | 0.3333% | 4,523 |
| Noninterest expense to average assets | 3.3386% | 1,626 |
| Loan and lease loss provision to assets | -0.4802% | 6,350 |
| Net operating income to assets | 1.1891% | 1,581 |
| Return on assets (ROA) | 1.1891% | 1,677 |
| Pretax return on assets | 1.2004% | 2,663 |
| Return on Equity (ROE) | 12.4658% | 1,227 |
| Retained earnings to average equity (ytd only) | -6.7807% | 6,027 |
| Net charge-offs to loans | 0.1590% | 1,313 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,163 |
| Efficiency ratio | 82.2547% | 1,585 |
| Assets per employee ($millions) | 4.1891% | 3,579 |
| Cash dividends to net income (ytd only)* | 154.3943% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 4,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0504% | 2,518 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 59.5059% | 3,726 |
| Net loans and leases to deposits | 67.3605% | 4,017 |
| Net loans and leases to core deposits | 67.5220% | 4,382 |
| Total domestic deposits to total assets | 88.3394% | 1,639 |
| Equity capital to assets | 9.4946% | 4,762 |
| Core capital (leverage) ratio | 8.7598% | 5,250 |
| Tier 1 risk-based capital ratio | 11.7114% | 5,431 |
| Total risk-based capital ratio | 12.5873% | 5,548 |
| Memoranda: | ||
| Average total assets | $141,615,500 | 3,788 |
| Average earning assets | $133,670,500 | 3,724 |
| Average equity | $13,509,000 | 4,146 |
| Average total loans | $85,550,500 | 3,759 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 2,624 |
| Cost of funding earning assets | 0.2794% | 5,007 |
| Net interest margin | 4.0156% | 1,855 |
| Noninterest income to average assets | 1.0241% | 1,164 |
| Noninterest expense to average assets | 3.4115% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3792% | 1,122 |
| Return on assets (ROA) | 1.4288% | 1,053 |
| Pretax return on assets | 1.4323% | 1,778 |
| Return on Equity (ROE) | 15.9100% | 631 |
| Retained earnings to average equity (ytd only) | 3.2939% | 3,884 |
| Net charge-offs to loans | 0.0141% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 165.1667% | 326 |
| Efficiency ratio | 71.1583% | 3,345 |
| Assets per employee ($millions) | 3.9112% | 4,138 |
| Cash dividends to net income (ytd only)* | 79.2969% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 3,430 |
| Loan loss allowance to noncurrent loans | 163.9586% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 2.0866% | 1,191 |
| Noncurrent loans to loans | 0.7924% | 3,328 |
| Net loans and leases to total assets | 59.8936% | 3,802 |
| Net loans and leases to deposits | 66.7015% | 4,246 |
| Net loans and leases to core deposits | 66.7015% | 4,619 |
| Total domestic deposits to total assets | 89.7935% | 833 |
| Equity capital to assets | 9.5843% | 4,612 |
| Core capital (leverage) ratio | 8.7927% | 5,251 |
| Tier 1 risk-based capital ratio | 11.9899% | 5,371 |
| Total risk-based capital ratio | 13.0671% | 5,393 |
| Memoranda: | ||
| Average total assets | $143,340,600 | 3,734 |
| Average earning assets | $134,576,200 | 3,688 |
| Average equity | $12,872,400 | 4,212 |
| Average total loans | $85,079,600 | 3,738 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2711% | 2,743 |
| Cost of funding earning assets | 0.2872% | 5,021 |
| Net interest margin | 3.9839% | 1,927 |
| Noninterest income to average assets | 1.0085% | 1,206 |
| Noninterest expense to average assets | 3.2792% | 1,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4632% | 1,002 |
| Return on assets (ROA) | 1.5289% | 919 |
| Pretax return on assets | 1.5336% | 1,532 |
| Return on Equity (ROE) | 17.3101% | 518 |
| Retained earnings to average equity (ytd only) | 3.7639% | 3,977 |
| Net charge-offs to loans | 0.0188% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 132.0800% | 452 |
| Efficiency ratio | 69.0792% | 3,664 |
| Assets per employee ($millions) | 3.9389% | 4,014 |
| Cash dividends to net income (ytd only)* | 78.2554% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 3,904 |
| Loan loss allowance to noncurrent loans | 57.1576% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 2.8915% | 833 |
| Noncurrent loans to loans | 2.1962% | 1,387 |
| Net loans and leases to total assets | 59.9115% | 3,804 |
| Net loans and leases to deposits | 68.4072% | 4,093 |
| Net loans and leases to core deposits | 68.4072% | 4,469 |
| Total domestic deposits to total assets | 87.5806% | 1,991 |
| Equity capital to assets | 9.1272% | 5,231 |
| Core capital (leverage) ratio | 8.7058% | 5,428 |
| Tier 1 risk-based capital ratio | 11.6679% | 5,690 |
| Total risk-based capital ratio | 12.7226% | 5,735 |
| Memoranda: | ||
| Average total assets | $143,975,000 | 3,763 |
| Average earning assets | $135,107,750 | 3,704 |
| Average equity | $12,716,750 | 4,271 |
| Average total loans | $84,989,000 | 3,779 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2310% | 2,843 |
| Cost of funding earning assets | 0.3034% | 4,940 |
| Net interest margin | 3.9276% | 2,054 |
| Noninterest income to average assets | 0.8662% | 1,603 |
| Noninterest expense to average assets | 3.2332% | 2,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3097% | 1,282 |
| Return on assets (ROA) | 1.4088% | 1,083 |
| Pretax return on assets | 1.4158% | 1,840 |
| Return on Equity (ROE) | 16.1320% | 647 |
| Retained earnings to average equity (ytd only) | -0.3514% | 5,740 |
| Net charge-offs to loans | 0.0024% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 944.0000% | 68 |
| Efficiency ratio | 71.0607% | 3,491 |
| Assets per employee ($millions) | 3.8889% | 4,087 |
| Cash dividends to net income (ytd only)* | 102.1782% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 4,013 |
| Loan loss allowance to noncurrent loans | 60.5619% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 2.8807% | 900 |
| Noncurrent loans to loans | 2.1017% | 1,589 |
| Net loans and leases to total assets | 60.4278% | 3,648 |
| Net loans and leases to deposits | 70.3830% | 3,770 |
| Net loans and leases to core deposits | 70.3830% | 4,227 |
| Total domestic deposits to total assets | 85.8558% | 3,120 |
| Equity capital to assets | 8.9694% | 5,331 |
| Core capital (leverage) ratio | 8.3868% | 5,753 |
| Tier 1 risk-based capital ratio | 11.3655% | 5,870 |
| Total risk-based capital ratio | 12.4362% | 5,904 |
| Memoranda: | ||
| Average total assets | $143,386,670 | 3,792 |
| Average earning assets | $134,485,000 | 3,736 |
| Average equity | $12,521,670 | 4,313 |
| Average total loans | $83,843,670 | 3,818 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 3,466 |
| Cost of funding earning assets | 0.3128% | 4,943 |
| Net interest margin | 3.7392% | 2,712 |
| Noninterest income to average assets | 0.7909% | 1,791 |
| Noninterest expense to average assets | 3.2221% | 2,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0622% | 1,960 |
| Return on assets (ROA) | 1.0843% | 1,942 |
| Pretax return on assets | 1.0983% | 2,908 |
| Return on Equity (ROE) | 12.5877% | 1,263 |
| Retained earnings to average equity (ytd only) | -8.4999% | 6,305 |
| Net charge-offs to loans | 0.0049% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 385.0000% | 123 |
| Efficiency ratio | 74.9675% | 2,978 |
| Assets per employee ($millions) | 3.7758% | 4,373 |
| Cash dividends to net income (ytd only)* | 167.5258% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 3,928 |
| Loan loss allowance to noncurrent loans | 4,873.9130% | 137 |
| Noncurrent assets plus other real estate owned to assets | 1.8260% | 1,911 |
| Noncurrent loans to loans | 0.0274% | 6,077 |
| Net loans and leases to total assets | 57.7647% | 3,885 |
| Net loans and leases to deposits | 64.4780% | 4,266 |
| Net loans and leases to core deposits | 64.6087% | 4,638 |
| Total domestic deposits to total assets | 89.5882% | 1,315 |
| Equity capital to assets | 8.5844% | 5,566 |
| Core capital (leverage) ratio | 8.2935% | 5,849 |
| Tier 1 risk-based capital ratio | 11.3674% | 5,980 |
| Total risk-based capital ratio | 12.4613% | 6,013 |
| Memoranda: | ||
| Average total assets | $143,135,500 | 3,822 |
| Average earning assets | $134,252,000 | 3,762 |
| Average equity | $12,329,500 | 4,366 |
| Average total loans | $81,730,500 | 3,890 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2771% | 3,044 |
| Cost of funding earning assets | 0.4849% | 3,764 |
| Net interest margin | 3.7922% | 2,679 |
| Noninterest income to average assets | 1.0899% | 1,187 |
| Noninterest expense to average assets | 3.4489% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1599% | 1,720 |
| Return on assets (ROA) | 1.3916% | 1,075 |
| Pretax return on assets | 1.3930% | 1,806 |
| Return on Equity (ROE) | 15.2027% | 726 |
| Retained earnings to average equity (ytd only) | 0.6730% | 5,531 |
| Net charge-offs to loans | 0.0013% | 5,458 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1,659.0000% | 24 |
| Efficiency ratio | 74.8102% | 2,990 |
| Assets per employee ($millions) | 3.8592% | 4,142 |
| Cash dividends to net income (ytd only)* | 95.5734% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 3,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8363% | 1,994 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 54.8614% | 4,485 |
| Net loans and leases to deposits | 61.1298% | 4,817 |
| Net loans and leases to core deposits | 61.6232% | 5,095 |
| Total domestic deposits to total assets | 89.7457% | 1,212 |
| Equity capital to assets | 8.6435% | 5,432 |
| Core capital (leverage) ratio | 8.4468% | 5,728 |
| Tier 1 risk-based capital ratio | 11.8284% | 5,719 |
| Total risk-based capital ratio | 12.9426% | 5,739 |
| Memoranda: | ||
| Average total assets | $142,857,800 | 3,832 |
| Average earning assets | $132,614,400 | 3,783 |
| Average equity | $13,076,600 | 4,249 |
| Average total loans | $78,691,800 | 3,984 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2917% | 3,032 |
| Cost of funding earning assets | 0.5181% | 3,583 |
| Net interest margin | 3.7736% | 2,734 |
| Noninterest income to average assets | 1.1581% | 1,093 |
| Noninterest expense to average assets | 3.3576% | 1,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2925% | 1,372 |
| Return on assets (ROA) | 1.6014% | 792 |
| Pretax return on assets | 1.6032% | 1,330 |
| Return on Equity (ROE) | 17.2541% | 515 |
| Retained earnings to average equity (ytd only) | -0.0100% | 5,940 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1765% | 3,372 |
| Assets per employee ($millions) | 3.6569% | 4,544 |
| Cash dividends to net income (ytd only)* | 100.0586% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 3,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5789% | 1,476 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 54.7770% | 4,486 |
| Net loans and leases to deposits | 60.6225% | 4,907 |
| Net loans and leases to core deposits | 61.1090% | 5,207 |
| Total domestic deposits to total assets | 90.3576% | 815 |
| Equity capital to assets | 8.7021% | 5,517 |
| Core capital (leverage) ratio | 8.3284% | 5,941 |
| Tier 1 risk-based capital ratio | 11.8922% | 5,843 |
| Total risk-based capital ratio | 13.0219% | 5,870 |
| Memoranda: | ||
| Average total assets | $142,875,000 | 3,870 |
| Average earning assets | $132,284,500 | 3,830 |
| Average equity | $13,260,250 | 4,259 |
| Average total loans | $78,500,250 | 4,013 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2664% | 3,090 |
| Cost of funding earning assets | 0.5369% | 3,526 |
| Net interest margin | 3.7295% | 2,850 |
| Noninterest income to average assets | 1.2143% | 1,040 |
| Noninterest expense to average assets | 3.3870% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2745% | 1,388 |
| Return on assets (ROA) | 1.7375% | 636 |
| Pretax return on assets | 1.7403% | 1,035 |
| Return on Equity (ROE) | 18.3411% | 433 |
| Retained earnings to average equity (ytd only) | -2.8353% | 6,291 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6155% | 3,369 |
| Assets per employee ($millions) | 3.6271% | 4,558 |
| Cash dividends to net income (ytd only)* | 115.4589% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 3,973 |
| Loan loss allowance to noncurrent loans | 2,495.5556% | 243 |
| Noncurrent assets plus other real estate owned to assets | 2.8037% | 1,476 |
| Noncurrent loans to loans | 0.0566% | 6,219 |
| Net loans and leases to total assets | 55.3641% | 4,392 |
| Net loans and leases to deposits | 61.3875% | 4,815 |
| Net loans and leases to core deposits | 61.7584% | 5,120 |
| Total domestic deposits to total assets | 90.1879% | 924 |
| Equity capital to assets | 8.8903% | 5,335 |
| Core capital (leverage) ratio | 8.3009% | 5,888 |
| Tier 1 risk-based capital ratio | 11.4210% | 6,151 |
| Total risk-based capital ratio | 12.5227% | 6,180 |
| Memoranda: | ||
| Average total assets | $142,960,000 | 3,896 |
| Average earning assets | $132,242,670 | 3,861 |
| Average equity | $13,543,330 | 4,233 |
| Average total loans | $78,251,670 | 4,033 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 3,529 |
| Cost of funding earning assets | 0.5566% | 3,507 |
| Net interest margin | 3.5896% | 3,301 |
| Noninterest income to average assets | 1.0605% | 1,325 |
| Noninterest expense to average assets | 3.4903% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8851% | 2,723 |
| Return on assets (ROA) | 1.8064% | 531 |
| Pretax return on assets | 1.8120% | 860 |
| Return on Equity (ROE) | 18.5072% | 403 |
| Retained earnings to average equity (ytd only) | 9.2678% | 1,298 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6696% | 2,380 |
| Assets per employee ($millions) | 3.7394% | 4,466 |
| Cash dividends to net income (ytd only)* | 49.9230% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 3,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.0644% | 1,451 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 52.0417% | 4,700 |
| Net loans and leases to deposits | 57.9913% | 5,034 |
| Net loans and leases to core deposits | 58.3296% | 5,309 |
| Total domestic deposits to total assets | 89.7405% | 1,193 |
| Equity capital to assets | 9.5773% | 4,740 |
| Core capital (leverage) ratio | 8.6976% | 5,332 |
| Tier 1 risk-based capital ratio | 12.3238% | 5,698 |
| Total risk-based capital ratio | 13.4622% | 5,742 |
| Memoranda: | ||
| Average total assets | $143,711,000 | 3,918 |
| Average earning assets | $132,941,000 | 3,881 |
| Average equity | $14,027,000 | 4,192 |
| Average total loans | $77,657,500 | 4,075 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 3,315 |
| Cost of funding earning assets | 0.5541% | 4,781 |
| Net interest margin | 3.9667% | 2,543 |
| Noninterest income to average assets | 1.2934% | 920 |
| Noninterest expense to average assets | 3.3656% | 2,139 |
| Loan and lease loss provision to assets | 0.2805% | 2,409 |
| Net operating income to assets | 1.3185% | 1,257 |
| Return on assets (ROA) | 1.3185% | 1,390 |
| Pretax return on assets | 1.3200% | 2,324 |
| Return on Equity (ROE) | 13.3463% | 1,142 |
| Retained earnings to average equity (ytd only) | 4.9245% | 2,751 |
| Net charge-offs to loans | 0.2632% | 3,358 |
| Credit loss provision to net charge-offs | 187.1921% | 1,397 |
| Earnings coverage of net charge-offs (x) | 10.6798% | 2,119 |
| Efficiency ratio | 67.7717% | 4,190 |
| Assets per employee ($millions) | 3.7260% | 4,516 |
| Cash dividends to net income (ytd only)* | 63.1019% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 4,000 |
| Loan loss allowance to noncurrent loans | 141.9722% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 3.2390% | 1,425 |
| Noncurrent loans to loans | 1.0103% | 4,172 |
| Net loans and leases to total assets | 54.5064% | 4,547 |
| Net loans and leases to deposits | 61.1395% | 4,892 |
| Net loans and leases to core deposits | 61.6327% | 5,196 |
| Total domestic deposits to total assets | 89.1508% | 1,472 |
| Equity capital to assets | 9.9494% | 4,241 |
| Core capital (leverage) ratio | 8.5411% | 5,554 |
| Tier 1 risk-based capital ratio | 12.0432% | 5,758 |
| Total risk-based capital ratio | 13.1862% | 5,781 |
| Memoranda: | ||
| Average total assets | $135,456,800 | 4,037 |
| Average earning assets | $125,420,000 | 3,991 |
| Average equity | $13,382,000 | 4,279 |
| Average total loans | $77,115,600 | 4,119 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 3,522 |
| Cost of funding earning assets | 0.5535% | 5,055 |
| Net interest margin | 3.9754% | 2,602 |
| Noninterest income to average assets | 1.2026% | 1,045 |
| Noninterest expense to average assets | 3.3172% | 2,223 |
| Loan and lease loss provision to assets | 0.3783% | 1,705 |
| Net operating income to assets | 1.1877% | 1,782 |
| Return on assets (ROA) | 1.1877% | 1,964 |
| Pretax return on assets | 1.1897% | 3,025 |
| Return on Equity (ROE) | 12.0450% | 1,622 |
| Retained earnings to average equity (ytd only) | 0.6764% | 5,880 |
| Net charge-offs to loans | 0.2846% | 3,019 |
| Credit loss provision to net charge-offs | 231.7073% | 1,195 |
| Earnings coverage of net charge-offs (x) | 9.6037% | 2,302 |
| Efficiency ratio | 67.9030% | 4,086 |
| Assets per employee ($millions) | 3.6909% | 4,565 |
| Cash dividends to net income (ytd only)* | 94.3840% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 4,117 |
| Loan loss allowance to noncurrent loans | 97.8114% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 3.3825% | 1,493 |
| Noncurrent loans to loans | 1.4915% | 3,550 |
| Net loans and leases to total assets | 55.9624% | 4,459 |
| Net loans and leases to deposits | 62.2050% | 4,949 |
| Net loans and leases to core deposits | 62.7069% | 5,294 |
| Total domestic deposits to total assets | 89.9646% | 864 |
| Equity capital to assets | 9.6226% | 5,032 |
| Core capital (leverage) ratio | 8.3164% | 5,982 |
| Tier 1 risk-based capital ratio | 11.6459% | 6,149 |
| Total risk-based capital ratio | 12.8497% | 6,143 |
| Memoranda: | ||
| Average total assets | $133,924,250 | 4,098 |
| Average earning assets | $124,061,250 | 4,062 |
| Average equity | $13,205,750 | 4,360 |
| Average total loans | $76,820,250 | 4,173 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5456% | 3,580 |
| Cost of funding earning assets | 0.5506% | 5,302 |
| Net interest margin | 3.9950% | 2,527 |
| Noninterest income to average assets | 1.1046% | 1,175 |
| Noninterest expense to average assets | 3.3441% | 2,172 |
| Loan and lease loss provision to assets | 0.5766% | 1,051 |
| Net operating income to assets | 0.8800% | 2,997 |
| Return on assets (ROA) | 0.8800% | 3,254 |
| Pretax return on assets | 0.8831% | 4,146 |
| Return on Equity (ROE) | 8.8489% | 2,876 |
| Retained earnings to average equity (ytd only) | -5.9806% | 6,672 |
| Net charge-offs to loans | 0.2741% | 2,945 |
| Credit loss provision to net charge-offs | 365.3846% | 808 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,191 |
| Efficiency ratio | 69.6147% | 3,830 |
| Assets per employee ($millions) | 3.6569% | 4,622 |
| Cash dividends to net income (ytd only)* | 167.5862% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 3,520 |
| Loan loss allowance to noncurrent loans | 93.6398% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 3.7116% | 1,404 |
| Noncurrent loans to loans | 1.7338% | 3,299 |
| Net loans and leases to total assets | 54.7241% | 4,670 |
| Net loans and leases to deposits | 60.9474% | 5,145 |
| Net loans and leases to core deposits | 61.4583% | 5,438 |
| Total domestic deposits to total assets | 89.7891% | 1,050 |
| Equity capital to assets | 9.5532% | 4,981 |
| Core capital (leverage) ratio | 8.2165% | 6,029 |
| Tier 1 risk-based capital ratio | 11.5774% | 6,180 |
| Total risk-based capital ratio | 12.8272% | 6,156 |
| Memoranda: | ||
| Average total assets | $131,814,670 | 4,166 |
| Average earning assets | $122,052,330 | 4,125 |
| Average equity | $13,109,000 | 4,376 |
| Average total loans | $75,876,670 | 4,227 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 3,397 |
| Cost of funding earning assets | 0.5637% | 5,401 |
| Net interest margin | 4.0588% | 2,264 |
| Noninterest income to average assets | 1.0917% | 1,203 |
| Noninterest expense to average assets | 3.2998% | 2,289 |
| Loan and lease loss provision to assets | 0.3075% | 2,046 |
| Net operating income to assets | 1.2424% | 1,627 |
| Return on assets (ROA) | 1.2424% | 1,804 |
| Pretax return on assets | 1.2486% | 2,729 |
| Return on Equity (ROE) | 12.2420% | 1,603 |
| Retained earnings to average equity (ytd only) | 10.7572% | 1,099 |
| Net charge-offs to loans | 0.0105% | 4,574 |
| Credit loss provision to net charge-offs | 5,000.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 253.0000% | 141 |
| Efficiency ratio | 67.9544% | 4,181 |
| Assets per employee ($millions) | 3.4675% | 5,195 |
| Cash dividends to net income (ytd only)* | 12.1287% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 4,643 |
| Loan loss allowance to noncurrent loans | 34.8000% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 3.8379% | 1,455 |
| Noncurrent loans to loans | 4.0058% | 1,528 |
| Net loans and leases to total assets | 56.0448% | 4,377 |
| Net loans and leases to deposits | 62.7314% | 4,806 |
| Net loans and leases to core deposits | 62.8654% | 5,235 |
| Total domestic deposits to total assets | 89.3410% | 1,459 |
| Equity capital to assets | 10.1566% | 3,903 |
| Core capital (leverage) ratio | 8.9503% | 4,917 |
| Tier 1 risk-based capital ratio | 12.8464% | 5,331 |
| Total risk-based capital ratio | 14.0103% | 5,369 |
| Memoranda: | ||
| Average total assets | $130,069,000 | 4,228 |
| Average earning assets | $120,625,500 | 4,184 |
| Average equity | $13,200,500 | 4,371 |
| Average total loans | $76,181,500 | 4,236 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8616% | 3,536 |
| Cost of funding earning assets | 0.6540% | 5,803 |
| Net interest margin | 4.2075% | 2,030 |
| Noninterest income to average assets | 0.8855% | 1,723 |
| Noninterest expense to average assets | 3.2612% | 2,650 |
| Loan and lease loss provision to assets | 0.3755% | 2,741 |
| Net operating income to assets | 1.1170% | 1,768 |
| Return on assets (ROA) | 1.2696% | 1,427 |
| Pretax return on assets | 1.2711% | 2,231 |
| Return on Equity (ROE) | 13.4852% | 1,050 |
| Retained earnings to average equity (ytd only) | 3.6143% | 3,638 |
| Net charge-offs to loans | 0.4470% | 3,199 |
| Credit loss provision to net charge-offs | 141.5929% | 2,061 |
| Earnings coverage of net charge-offs (x) | 5.6342% | 2,726 |
| Efficiency ratio | 67.7908% | 4,401 |
| Assets per employee ($millions) | 3.3782% | 5,304 |
| Cash dividends to net income (ytd only)* | 73.1978% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 6,048 |
| Loan loss allowance to noncurrent loans | 30.0412% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 3.2608% | 1,828 |
| Noncurrent loans to loans | 3.4503% | 1,866 |
| Net loans and leases to total assets | 59.7233% | 4,039 |
| Net loans and leases to deposits | 66.8609% | 4,612 |
| Net loans and leases to core deposits | 67.4064% | 5,106 |
| Total domestic deposits to total assets | 89.3248% | 1,348 |
| Equity capital to assets | 10.1408% | 3,982 |
| Core capital (leverage) ratio | 8.8385% | 5,039 |
| Tier 1 risk-based capital ratio | 12.3905% | 5,544 |
| Total risk-based capital ratio | 13.2801% | 5,794 |
| Memoranda: | ||
| Average total assets | $127,838,200 | 4,219 |
| Average earning assets | $117,575,400 | 4,193 |
| Average equity | $12,035,400 | 4,543 |
| Average total loans | $75,836,600 | 4,280 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8573% | 3,744 |
| Cost of funding earning assets | 0.6710% | 5,926 |
| Net interest margin | 4.1863% | 2,156 |
| Noninterest income to average assets | 0.7413% | 2,361 |
| Noninterest expense to average assets | 3.1081% | 3,130 |
| Loan and lease loss provision to assets | 0.4385% | 2,283 |
| Net operating income to assets | 1.0420% | 2,169 |
| Return on assets (ROA) | 1.2456% | 1,632 |
| Pretax return on assets | 1.2476% | 2,459 |
| Return on Equity (ROE) | 13.4916% | 1,159 |
| Retained earnings to average equity (ytd only) | 3.1439% | 4,459 |
| Net charge-offs to loans | 0.2687% | 3,761 |
| Credit loss provision to net charge-offs | 276.3158% | 1,039 |
| Earnings coverage of net charge-offs (x) | 9.3422% | 2,059 |
| Efficiency ratio | 66.8410% | 4,555 |
| Assets per employee ($millions) | 3.5698% | 4,826 |
| Cash dividends to net income (ytd only)* | 76.6973% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 5,271 |
| Loan loss allowance to noncurrent loans | 67.0430% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 3.0635% | 2,090 |
| Noncurrent loans to loans | 1.8582% | 3,555 |
| Net loans and leases to total assets | 58.5991% | 4,395 |
| Net loans and leases to deposits | 65.8949% | 4,922 |
| Net loans and leases to core deposits | 66.4344% | 5,371 |
| Total domestic deposits to total assets | 88.9281% | 1,466 |
| Equity capital to assets | 10.0075% | 4,331 |
| Core capital (leverage) ratio | 8.7046% | 5,404 |
| Tier 1 risk-based capital ratio | 12.1726% | 5,760 |
| Total risk-based capital ratio | 13.2213% | 5,900 |
| Memoranda: | ||
| Average total assets | $127,704,750 | 4,237 |
| Average earning assets | $117,428,500 | 4,214 |
| Average equity | $11,789,750 | 4,622 |
| Average total loans | $75,428,000 | 4,337 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7795% | 4,173 |
| Cost of funding earning assets | 0.6784% | 6,078 |
| Net interest margin | 4.1011% | 2,408 |
| Noninterest income to average assets | 0.6764% | 2,674 |
| Noninterest expense to average assets | 3.1028% | 3,245 |
| Loan and lease loss provision to assets | 0.5650% | 1,712 |
| Net operating income to assets | 0.7816% | 3,153 |
| Return on assets (ROA) | 1.0876% | 2,001 |
| Pretax return on assets | 1.0908% | 2,885 |
| Return on Equity (ROE) | 12.1232% | 1,456 |
| Retained earnings to average equity (ytd only) | 2.6416% | 4,611 |
| Net charge-offs to loans | 0.4045% | 2,933 |
| Credit loss provision to net charge-offs | 236.8421% | 1,273 |
| Earnings coverage of net charge-offs (x) | 5.6579% | 2,564 |
| Efficiency ratio | 68.7346% | 4,382 |
| Assets per employee ($millions) | 3.5504% | 4,810 |
| Cash dividends to net income (ytd only)* | 78.2107% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 5,693 |
| Loan loss allowance to noncurrent loans | 38.0017% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 3.4292% | 1,925 |
| Noncurrent loans to loans | 3.0645% | 2,361 |
| Net loans and leases to total assets | 59.0973% | 4,445 |
| Net loans and leases to deposits | 66.2922% | 4,956 |
| Net loans and leases to core deposits | 66.8366% | 5,407 |
| Total domestic deposits to total assets | 89.1466% | 1,449 |
| Equity capital to assets | 9.4490% | 4,894 |
| Core capital (leverage) ratio | 8.6073% | 5,388 |
| Tier 1 risk-based capital ratio | 11.9978% | 5,790 |
| Total risk-based capital ratio | 12.9774% | 5,991 |
| Memoranda: | ||
| Average total assets | $127,435,000 | 4,277 |
| Average earning assets | $117,334,000 | 4,246 |
| Average equity | $11,432,670 | 4,705 |
| Average total loans | $75,151,330 | 4,384 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 3,855 |
| Cost of funding earning assets | 0.6909% | 6,185 |
| Net interest margin | 4.1521% | 2,073 |
| Noninterest income to average assets | 0.6884% | 2,637 |
| Noninterest expense to average assets | 3.0586% | 3,429 |
| Loan and lease loss provision to assets | 0.5658% | 1,524 |
| Net operating income to assets | 0.8928% | 2,599 |
| Return on assets (ROA) | 0.8928% | 2,659 |
| Pretax return on assets | 0.8990% | 3,497 |
| Return on Equity (ROE) | 10.2246% | 2,021 |
| Retained earnings to average equity (ytd only) | 1.7641% | 5,064 |
| Net charge-offs to loans | 1.2722% | 1,087 |
| Credit loss provision to net charge-offs | 75.9494% | 3,236 |
| Earnings coverage of net charge-offs (x) | 1.9662% | 3,326 |
| Efficiency ratio | 66.6435% | 4,920 |
| Assets per employee ($millions) | 3.5129% | 4,963 |
| Cash dividends to net income (ytd only)* | 82.7465% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 6,823 |
| Loan loss allowance to noncurrent loans | 26.6862% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 3.0609% | 2,254 |
| Noncurrent loans to loans | 3.1810% | 2,359 |
| Net loans and leases to total assets | 58.8316% | 4,493 |
| Net loans and leases to deposits | 65.2443% | 5,083 |
| Net loans and leases to core deposits | 65.7796% | 5,534 |
| Total domestic deposits to total assets | 90.1713% | 1,045 |
| Equity capital to assets | 8.9471% | 5,288 |
| Core capital (leverage) ratio | 8.5733% | 5,309 |
| Tier 1 risk-based capital ratio | 12.2104% | 5,505 |
| Total risk-based capital ratio | 12.9307% | 5,946 |
| Memoranda: | ||
| Average total assets | $127,246,000 | 4,317 |
| Average earning assets | $117,532,000 | 4,263 |
| Average equity | $11,110,500 | 4,770 |
| Average total loans | $74,515,000 | 4,440 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1147% | 4,032 |
| Cost of funding earning assets | 1.0944% | 5,157 |
| Net interest margin | 4.0203% | 2,923 |
| Noninterest income to average assets | 1.0131% | 1,461 |
| Noninterest expense to average assets | 3.0041% | 3,840 |
| Loan and lease loss provision to assets | 0.4901% | 3,208 |
| Net operating income to assets | 1.2475% | 1,303 |
| Return on assets (ROA) | 1.4811% | 859 |
| Pretax return on assets | 1.4826% | 1,418 |
| Return on Equity (ROE) | 17.0373% | 476 |
| Retained earnings to average equity (ytd only) | 3.5919% | 3,342 |
| Net charge-offs to loans | 0.6021% | 3,225 |
| Credit loss provision to net charge-offs | 136.8870% | 2,799 |
| Earnings coverage of net charge-offs (x) | 4.8571% | 2,780 |
| Efficiency ratio | 62.5946% | 5,606 |
| Assets per employee ($millions) | 3.6579% | 4,559 |
| Cash dividends to net income (ytd only)* | 78.9175% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 6,608 |
| Loan loss allowance to noncurrent loans | 89.4466% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.7660% | 3,661 |
| Noncurrent loans to loans | 1.0501% | 4,970 |
| Net loans and leases to total assets | 57.2509% | 5,147 |
| Net loans and leases to deposits | 64.2401% | 5,598 |
| Net loans and leases to core deposits | 64.7543% | 5,996 |
| Total domestic deposits to total assets | 89.1202% | 1,584 |
| Equity capital to assets | 8.5186% | 5,830 |
| Core capital (leverage) ratio | 8.4063% | 5,522 |
| Tier 1 risk-based capital ratio | 12.2752% | 5,231 |
| Total risk-based capital ratio | 13.0689% | 5,630 |
| Memoranda: | ||
| Average total assets | $130,987,200 | 4,239 |
| Average earning assets | $121,533,200 | 4,197 |
| Average equity | $11,386,800 | 4,768 |
| Average total loans | $77,900,000 | 4,394 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1250% | 4,195 |
| Cost of funding earning assets | 1.1728% | 5,023 |
| Net interest margin | 3.9522% | 3,314 |
| Noninterest income to average assets | 0.9727% | 1,543 |
| Noninterest expense to average assets | 2.9292% | 3,983 |
| Loan and lease loss provision to assets | 0.3360% | 3,918 |
| Net operating income to assets | 1.3755% | 1,154 |
| Return on assets (ROA) | 1.6853% | 695 |
| Pretax return on assets | 1.6873% | 1,143 |
| Return on Equity (ROE) | 19.2921% | 366 |
| Retained earnings to average equity (ytd only) | 5.2257% | 2,825 |
| Net charge-offs to loans | 0.4817% | 3,349 |
| Credit loss provision to net charge-offs | 116.4912% | 3,575 |
| Earnings coverage of net charge-offs (x) | 5.9404% | 2,632 |
| Efficiency ratio | 62.3501% | 5,551 |
| Assets per employee ($millions) | 3.7803% | 4,319 |
| Cash dividends to net income (ytd only)* | 72.9132% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8323% | 6,937 |
| Loan loss allowance to noncurrent loans | 62.9032% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.9651% | 3,518 |
| Noncurrent loans to loans | 1.3232% | 4,653 |
| Net loans and leases to total assets | 56.1919% | 5,522 |
| Net loans and leases to deposits | 63.9756% | 5,918 |
| Net loans and leases to core deposits | 65.2135% | 6,190 |
| Total domestic deposits to total assets | 87.8332% | 2,068 |
| Equity capital to assets | 9.2260% | 5,266 |
| Core capital (leverage) ratio | 8.2440% | 5,968 |
| Tier 1 risk-based capital ratio | 12.1122% | 5,353 |
| Total risk-based capital ratio | 12.8126% | 5,856 |
| Memoranda: | ||
| Average total assets | $131,727,500 | 4,283 |
| Average earning assets | $122,325,750 | 4,236 |
| Average equity | $11,507,000 | 4,805 |
| Average total loans | $78,877,250 | 4,437 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1133% | 4,386 |
| Cost of funding earning assets | 1.2084% | 5,076 |
| Net interest margin | 3.9049% | 3,423 |
| Noninterest income to average assets | 0.7922% | 2,162 |
| Noninterest expense to average assets | 2.9225% | 3,995 |
| Loan and lease loss provision to assets | 0.2767% | 4,182 |
| Net operating income to assets | 1.2210% | 1,506 |
| Return on assets (ROA) | 1.6863% | 650 |
| Pretax return on assets | 1.6893% | 1,072 |
| Return on Equity (ROE) | 19.6742% | 347 |
| Retained earnings to average equity (ytd only) | 5.3221% | 2,714 |
| Net charge-offs to loans | 0.3243% | 3,701 |
| Credit loss provision to net charge-offs | 140.0000% | 2,864 |
| Earnings coverage of net charge-offs (x) | 7.5923% | 2,274 |
| Efficiency ratio | 65.3145% | 5,100 |
| Assets per employee ($millions) | 3.6453% | 4,598 |
| Cash dividends to net income (ytd only)* | 72.9486% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7776% | 7,082 |
| Loan loss allowance to noncurrent loans | 36.9782% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 1.8479% | 3,695 |
| Noncurrent loans to loans | 2.1029% | 3,588 |
| Net loans and leases to total assets | 61.1581% | 4,846 |
| Net loans and leases to deposits | 68.3882% | 5,514 |
| Net loans and leases to core deposits | 69.9078% | 5,880 |
| Total domestic deposits to total assets | 89.4279% | 1,210 |
| Equity capital to assets | 8.8561% | 5,664 |
| Core capital (leverage) ratio | 8.1689% | 6,003 |
| Tier 1 risk-based capital ratio | 11.5553% | 5,716 |
| Total risk-based capital ratio | 12.2384% | 6,234 |
| Memoranda: | ||
| Average total assets | $131,533,000 | 4,310 |
| Average earning assets | $122,308,670 | 4,262 |
| Average equity | $11,273,670 | 4,860 |
| Average total loans | $80,179,000 | 4,440 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 5,332 |
| Cost of funding earning assets | 1.2288% | 5,238 |
| Net interest margin | 3.6961% | 4,266 |
| Noninterest income to average assets | 0.8323% | 1,876 |
| Noninterest expense to average assets | 2.9039% | 4,044 |
| Loan and lease loss provision to assets | 0.3402% | 3,346 |
| Net operating income to assets | 1.0176% | 2,123 |
| Return on assets (ROA) | 1.9471% | 415 |
| Pretax return on assets | 1.9532% | 664 |
| Return on Equity (ROE) | 23.1001% | 226 |
| Retained earnings to average equity (ytd only) | 5.5858% | 2,819 |
| Net charge-offs to loans | 0.5562% | 2,415 |
| Credit loss provision to net charge-offs | 100.9009% | 3,362 |
| Earnings coverage of net charge-offs (x) | 4.0450% | 2,718 |
| Efficiency ratio | 67.2598% | 4,865 |
| Assets per employee ($millions) | 3.6815% | 4,622 |
| Cash dividends to net income (ytd only)* | 75.8190% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 7,224 |
| Loan loss allowance to noncurrent loans | 37.4162% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 1.8124% | 3,768 |
| Noncurrent loans to loans | 2.0272% | 3,751 |
| Net loans and leases to total assets | 60.6166% | 5,015 |
| Net loans and leases to deposits | 67.6687% | 5,632 |
| Net loans and leases to core deposits | 69.1606% | 5,986 |
| Total domestic deposits to total assets | 89.5784% | 1,188 |
| Equity capital to assets | 8.4122% | 6,146 |
| Core capital (leverage) ratio | 7.9581% | 6,296 |
| Tier 1 risk-based capital ratio | 11.2314% | 5,920 |
| Total risk-based capital ratio | 11.8885% | 6,491 |
| Memoranda: | ||
| Average total assets | $131,683,500 | 4,364 |
| Average earning assets | $122,400,500 | 4,316 |
| Average equity | $11,099,500 | 4,954 |
| Average total loans | $79,824,500 | 4,514 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5692% | 3,759 |
| Cost of funding earning assets | 1.3727% | 6,046 |
| Net interest margin | 4.1965% | 2,072 |
| Noninterest income to average assets | 1.0181% | 1,513 |
| Noninterest expense to average assets | 3.1835% | 3,431 |
| Loan and lease loss provision to assets | 0.2966% | 5,059 |
| Net operating income to assets | 1.4013% | 850 |
| Return on assets (ROA) | 1.4791% | 764 |
| Pretax return on assets | 1.4807% | 1,232 |
| Return on Equity (ROE) | 17.3057% | 427 |
| Retained earnings to average equity (ytd only) | 3.3580% | 2,818 |
| Net charge-offs to loans | 0.2279% | 5,191 |
| Credit loss provision to net charge-offs | 209.0395% | 1,838 |
| Earnings coverage of net charge-offs (x) | 11.9774% | 1,550 |
| Efficiency ratio | 64.3244% | 5,714 |
| Assets per employee ($millions) | 3.6343% | 4,688 |
| Cash dividends to net income (ytd only)* | 80.5962% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8641% | 6,945 |
| Loan loss allowance to noncurrent loans | 32.7238% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 2.3885% | 2,915 |
| Noncurrent loans to loans | 2.6405% | 2,914 |
| Net loans and leases to total assets | 59.6313% | 5,392 |
| Net loans and leases to deposits | 66.7505% | 5,972 |
| Net loans and leases to core deposits | 74.3623% | 6,514 |
| Total domestic deposits to total assets | 89.3346% | 1,310 |
| Equity capital to assets | 8.4458% | 5,979 |
| Core capital (leverage) ratio | 7.9463% | 6,268 |
| Tier 1 risk-based capital ratio | 11.2269% | 5,685 |
| Total risk-based capital ratio | 11.9653% | 6,170 |
| Memoranda: | ||
| Average total assets | $124,738,200 | 4,454 |
| Average earning assets | $114,882,000 | 4,424 |
| Average equity | $10,661,200 | 5,114 |
| Average total loans | $77,655,800 | 4,600 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7005% | 3,334 |
| Cost of funding earning assets | 1.3984% | 6,241 |
| Net interest margin | 4.3021% | 1,725 |
| Noninterest income to average assets | 1.0940% | 1,329 |
| Noninterest expense to average assets | 3.2290% | 3,195 |
| Loan and lease loss provision to assets | 0.3354% | 4,328 |
| Net operating income to assets | 1.4890% | 834 |
| Return on assets (ROA) | 1.5939% | 721 |
| Pretax return on assets | 1.5961% | 1,184 |
| Return on Equity (ROE) | 18.5910% | 394 |
| Retained earnings to average equity (ytd only) | 4.1524% | 2,962 |
| Net charge-offs to loans | 0.3049% | 4,125 |
| Credit loss provision to net charge-offs | 175.1412% | 2,637 |
| Earnings coverage of net charge-offs (x) | 9.5369% | 2,096 |
| Efficiency ratio | 62.9923% | 5,925 |
| Assets per employee ($millions) | 3.3937% | 5,179 |
| Cash dividends to net income (ytd only)* | 77.6649% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7915% | 7,151 |
| Loan loss allowance to noncurrent loans | 51.4950% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 1.8425% | 3,593 |
| Noncurrent loans to loans | 1.5370% | 4,337 |
| Net loans and leases to total assets | 63.6085% | 4,949 |
| Net loans and leases to deposits | 71.6500% | 5,707 |
| Net loans and leases to core deposits | 77.4173% | 6,533 |
| Total domestic deposits to total assets | 88.7767% | 1,301 |
| Equity capital to assets | 9.1239% | 5,298 |
| Core capital (leverage) ratio | 8.4978% | 5,498 |
| Tier 1 risk-based capital ratio | 11.4829% | 5,447 |
| Total risk-based capital ratio | 12.1734% | 5,983 |
| Memoranda: | ||
| Average total assets | $123,214,250 | 4,514 |
| Average earning assets | $113,461,750 | 4,499 |
| Average equity | $10,564,000 | 5,171 |
| Average total loans | $77,395,250 | 4,651 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7416% | 3,335 |
| Cost of funding earning assets | 1.4464% | 6,329 |
| Net interest margin | 4.2952% | 1,670 |
| Noninterest income to average assets | 1.1088% | 1,291 |
| Noninterest expense to average assets | 3.1580% | 3,477 |
| Loan and lease loss provision to assets | 0.3561% | 3,789 |
| Net operating income to assets | 1.5426% | 763 |
| Return on assets (ROA) | 1.6996% | 619 |
| Pretax return on assets | 1.7028% | 1,009 |
| Return on Equity (ROE) | 20.2514% | 323 |
| Retained earnings to average equity (ytd only) | 5.3039% | 2,345 |
| Net charge-offs to loans | 0.3892% | 3,253 |
| Credit loss provision to net charge-offs | 146.6667% | 3,154 |
| Earnings coverage of net charge-offs (x) | 7.8333% | 2,376 |
| Efficiency ratio | 61.5163% | 6,312 |
| Assets per employee ($millions) | 3.2620% | 5,419 |
| Cash dividends to net income (ytd only)* | 73.8095% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7218% | 7,372 |
| Loan loss allowance to noncurrent loans | 38.0985% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 2.2661% | 2,876 |
| Noncurrent loans to loans | 1.8944% | 3,675 |
| Net loans and leases to total assets | 61.8095% | 5,391 |
| Net loans and leases to deposits | 70.9119% | 5,880 |
| Net loans and leases to core deposits | 76.8998% | 6,615 |
| Total domestic deposits to total assets | 87.1639% | 2,165 |
| Equity capital to assets | 8.4442% | 6,134 |
| Core capital (leverage) ratio | 8.2888% | 5,820 |
| Tier 1 risk-based capital ratio | 11.4915% | 5,389 |
| Total risk-based capital ratio | 12.1156% | 5,957 |
| Memoranda: | ||
| Average total assets | $123,561,000 | 4,543 |
| Average earning assets | $113,662,330 | 4,524 |
| Average equity | $10,369,670 | 5,261 |
| Average total loans | $77,082,670 | 4,694 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9135% | 2,734 |
| Cost of funding earning assets | 1.4757% | 6,482 |
| Net interest margin | 4.4378% | 1,252 |
| Noninterest income to average assets | 0.9209% | 1,774 |
| Noninterest expense to average assets | 3.1225% | 3,294 |
| Loan and lease loss provision to assets | 0.5188% | 2,390 |
| Net operating income to assets | 1.3489% | 1,262 |
| Return on assets (ROA) | 1.6634% | 767 |
| Pretax return on assets | 1.6699% | 1,243 |
| Return on Equity (ROE) | 19.8818% | 430 |
| Retained earnings to average equity (ytd only) | 4.7282% | 3,281 |
| Net charge-offs to loans | 0.5815% | 2,011 |
| Credit loss provision to net charge-offs | 142.8571% | 2,868 |
| Earnings coverage of net charge-offs (x) | 5.1607% | 2,734 |
| Efficiency ratio | 61.5185% | 6,148 |
| Assets per employee ($millions) | 3.2253% | 5,535 |
| Cash dividends to net income (ytd only)* | 76.2183% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 7,206 |
| Loan loss allowance to noncurrent loans | 57.0335% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.1091% | 2,736 |
| Noncurrent loans to loans | 1.3796% | 4,244 |
| Net loans and leases to total assets | 61.3138% | 5,446 |
| Net loans and leases to deposits | 68.4003% | 6,144 |
| Net loans and leases to core deposits | 76.1393% | 6,667 |
| Total domestic deposits to total assets | 89.6396% | 956 |
| Equity capital to assets | 8.5654% | 5,966 |
| Core capital (leverage) ratio | 8.2705% | 5,959 |
| Tier 1 risk-based capital ratio | 11.4299% | 5,479 |
| Total risk-based capital ratio | 12.1041% | 5,941 |
| Memoranda: | ||
| Average total assets | $123,364,000 | 4,563 |
| Average earning assets | $113,299,500 | 4,553 |
| Average equity | $10,321,000 | 5,288 |
| Average total loans | $77,037,500 | 4,730 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4172% | 3,323 |
| Cost of funding earning assets | 2.0509% | 6,232 |
| Net interest margin | 4.3663% | 1,778 |
| Noninterest income to average assets | 0.8104% | 2,458 |
| Noninterest expense to average assets | 3.3214% | 2,897 |
| Loan and lease loss provision to assets | 0.1301% | 5,706 |
| Net operating income to assets | 1.3705% | 1,297 |
| Return on assets (ROA) | 1.5095% | 969 |
| Pretax return on assets | 1.5111% | 1,652 |
| Return on Equity (ROE) | 18.6719% | 478 |
| Retained earnings to average equity (ytd only) | 3.2779% | 3,113 |
| Net charge-offs to loans | 0.2956% | 3,421 |
| Credit loss provision to net charge-offs | 68.6695% | 6,091 |
| Earnings coverage of net charge-offs (x) | 7.9313% | 2,987 |
| Efficiency ratio | 67.6441% | 4,786 |
| Assets per employee ($millions) | 3.1837% | 5,532 |
| Cash dividends to net income (ytd only)* | 82.4448% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7583% | 7,251 |
| Loan loss allowance to noncurrent loans | 51.9685% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 2.2003% | 2,219 |
| Noncurrent loans to loans | 1.4592% | 3,611 |
| Net loans and leases to total assets | 62.6078% | 5,523 |
| Net loans and leases to deposits | 70.6989% | 6,203 |
| Net loans and leases to core deposits | 78.6955% | 6,711 |
| Total domestic deposits to total assets | 88.5556% | 1,225 |
| Equity capital to assets | 8.1698% | 6,596 |
| Core capital (leverage) ratio | 8.0498% | 6,406 |
| Tier 1 risk-based capital ratio | 11.1592% | 5,588 |
| Total risk-based capital ratio | 11.8232% | 6,036 |
| Memoranda: | ||
| Average total assets | $123,020,000 | 4,445 |
| Average earning assets | $113,071,200 | 4,443 |
| Average equity | $9,945,400 | 5,428 |
| Average total loans | $78,813,800 | 4,561 |