Home > Bank of Brookhaven > Performance and Condition Ratios
Bank of Brookhaven, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3915% | 3,292 |
| Cost of funding earning assets | 1.0704% | 3,143 |
| Net interest margin | 3.3211% | 2,575 |
| Noninterest income to average assets | 2.4100% | 225 |
| Noninterest expense to average assets | 2.7860% | 1,540 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 2.0490% | 438 |
| Return on assets (ROA) | 1.6839% | 729 |
| Pretax return on assets | 2.2533% | 461 |
| Return on Equity (ROE) | 18.6000% | 747 |
| Retained earnings to average equity (ytd only) | 14.4612% | 365 |
| Net charge-offs to loans | -0.0009% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.4435% | 3,952 |
| Assets per employee ($millions) | 7.3205% | 1,856 |
| Cash dividends to net income (ytd only)* | 22.2543% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 3,892 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 52.7800% | 3,429 |
| Net loans and leases to deposits | 60.1317% | 3,515 |
| Net loans and leases to core deposits | 62.7235% | 3,647 |
| Total domestic deposits to total assets | 87.7800% | 1,421 |
| Equity capital to assets | 10.4383% | 1,758 |
| Core capital (leverage) ratio | 11.7481% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6586% | 824 |
| Memoranda: | ||
| Average total assets | $226,560,200 | 2,802 |
| Average earning assets | $212,157,800 | 2,790 |
| Average equity | $20,510,000 | 2,818 |
| Average total loans | $112,347,200 | 3,025 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2570% | 3,364 |
| Cost of funding earning assets | 1.0001% | 3,041 |
| Net interest margin | 3.2568% | 2,788 |
| Noninterest income to average assets | 2.7700% | 208 |
| Noninterest expense to average assets | 2.5931% | 1,970 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 2.4628% | 276 |
| Return on assets (ROA) | 2.4628% | 271 |
| Pretax return on assets | 3.1998% | 199 |
| Return on Equity (ROE) | 28.2400% | 265 |
| Retained earnings to average equity (ytd only) | 28.2447% | 107 |
| Net charge-offs to loans | -0.0060% | 3,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 44.5828% | 4,203 |
| Assets per employee ($millions) | 7.6458% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 3,852 |
| Loan loss allowance to noncurrent loans | 24,125.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 3,865 |
| Noncurrent loans to loans | 0.0036% | 3,791 |
| Net loans and leases to total assets | 48.5900% | 3,706 |
| Net loans and leases to deposits | 54.9083% | 3,754 |
| Net loans and leases to core deposits | 56.4425% | 3,836 |
| Total domestic deposits to total assets | 88.4900% | 1,413 |
| Equity capital to assets | 9.4082% | 2,152 |
| Core capital (leverage) ratio | 11.9839% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3988% | 773 |
| Memoranda: | ||
| Average total assets | $228,296,750 | 2,809 |
| Average earning assets | $213,698,500 | 2,790 |
| Average equity | $19,906,500 | 2,856 |
| Average total loans | $111,210,750 | 3,042 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 3,404 |
| Cost of funding earning assets | 0.9101% | 2,892 |
| Net interest margin | 3.2373% | 2,893 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.3928% | 2,512 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.0556% | 2,247 |
| Return on assets (ROA) | 1.0556% | 2,245 |
| Pretax return on assets | 1.2267% | 2,299 |
| Return on Equity (ROE) | 12.4300% | 2,033 |
| Retained earnings to average equity (ytd only) | 12.4350% | 897 |
| Net charge-offs to loans | -0.0072% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.9971% | 2,239 |
| Assets per employee ($millions) | 7.6968% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 3,967 |
| Loan loss allowance to noncurrent loans | 13,300.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 3,857 |
| Noncurrent loans to loans | 0.0062% | 3,760 |
| Net loans and leases to total assets | 48.6800% | 3,649 |
| Net loans and leases to deposits | 54.1812% | 3,738 |
| Net loans and leases to core deposits | 55.6323% | 3,827 |
| Total domestic deposits to total assets | 89.8400% | 969 |
| Equity capital to assets | 8.5931% | 2,785 |
| Core capital (leverage) ratio | 10.5211% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2254% | 1,080 |
| Memoranda: | ||
| Average total assets | $227,937,667 | 2,819 |
| Average earning assets | $212,953,667 | 2,805 |
| Average equity | $19,348,667 | 2,917 |
| Average total loans | $110,811,333 | 3,049 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0350% | 3,387 |
| Cost of funding earning assets | 0.7678% | 2,848 |
| Net interest margin | 3.2671% | 2,956 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.3281% | 2,738 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 1.2453% | 1,808 |
| Return on assets (ROA) | 1.2453% | 1,782 |
| Pretax return on assets | 1.3619% | 1,982 |
| Return on Equity (ROE) | 14.7600% | 1,607 |
| Retained earnings to average equity (ytd only) | 14.7629% | 837 |
| Net charge-offs to loans | -0.0037% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.0428% | 2,450 |
| Assets per employee ($millions) | 7.8719% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8022% | 4,079 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 46.6000% | 3,742 |
| Net loans and leases to deposits | 51.6767% | 3,810 |
| Net loans and leases to core deposits | 52.9359% | 3,872 |
| Total domestic deposits to total assets | 90.1800% | 1,092 |
| Equity capital to assets | 8.4262% | 2,949 |
| Core capital (leverage) ratio | 10.5367% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0120% | 1,150 |
| Memoranda: | ||
| Average total assets | $226,454,000 | 2,861 |
| Average earning assets | $210,459,000 | 2,857 |
| Average equity | $19,102,000 | 2,963 |
| Average total loans | $109,554,500 | 3,098 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4455% | 3,219 |
| Cost of funding earning assets | 0.3301% | 2,629 |
| Net interest margin | 3.1154% | 3,130 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.4065% | 2,406 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 1.0747% | 2,285 |
| Return on assets (ROA) | 0.8210% | 3,185 |
| Pretax return on assets | 0.9866% | 3,108 |
| Return on Equity (ROE) | 9.4400% | 2,985 |
| Retained earnings to average equity (ytd only) | 5.3910% | 2,877 |
| Net charge-offs to loans | 0.0226% | 1,612 |
| Credit loss provision to net charge-offs | -725.0000% | 4,649 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 905 |
| Efficiency ratio | 66.4397% | 2,157 |
| Assets per employee ($millions) | 7.2250% | 1,802 |
| Cash dividends to net income (ytd only)* | 42.9185% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 3,919 |
| Loan loss allowance to noncurrent loans | 46,000.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 3,950 |
| Noncurrent loans to loans | 0.0018% | 3,881 |
| Net loans and leases to total assets | 49.4800% | 3,545 |
| Net loans and leases to deposits | 54.8994% | 3,635 |
| Net loans and leases to core deposits | 56.0732% | 3,715 |
| Total domestic deposits to total assets | 90.1200% | 1,307 |
| Equity capital to assets | 8.4452% | 2,741 |
| Core capital (leverage) ratio | 10.5588% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4760% | 1,242 |
| Memoranda: | ||
| Average total assets | $227,050,800 | 2,860 |
| Average earning assets | $211,757,200 | 2,849 |
| Average equity | $19,736,600 | 2,975 |
| Average total loans | $106,134,400 | 3,070 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 3,193 |
| Cost of funding earning assets | 0.3284% | 1,874 |
| Net interest margin | 2.9656% | 3,310 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.2322% | 2,840 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.0094% | 2,451 |
| Return on assets (ROA) | 1.0147% | 2,399 |
| Pretax return on assets | 1.2256% | 2,270 |
| Return on Equity (ROE) | 11.6400% | 2,155 |
| Retained earnings to average equity (ytd only) | 11.6374% | 880 |
| Net charge-offs to loans | 0.0126% | 1,647 |
| Credit loss provision to net charge-offs | 540.0000% | 587 |
| Earnings coverage of net charge-offs (x) | 215.3000% | 599 |
| Efficiency ratio | 64.0927% | 2,541 |
| Assets per employee ($millions) | 7.4742% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 2,674 |
| Loan loss allowance to noncurrent loans | 4,237.9310% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 3,839 |
| Noncurrent loans to loans | 0.0277% | 3,702 |
| Net loans and leases to total assets | 46.1300% | 3,749 |
| Net loans and leases to deposits | 51.0293% | 3,786 |
| Net loans and leases to core deposits | 52.4024% | 3,834 |
| Total domestic deposits to total assets | 90.4000% | 1,472 |
| Equity capital to assets | 8.0959% | 2,840 |
| Core capital (leverage) ratio | 10.6939% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0175% | 985 |
| Memoranda: | ||
| Average total assets | $229,546,750 | 2,864 |
| Average earning assets | $215,176,500 | 2,844 |
| Average equity | $20,015,500 | 2,996 |
| Average total loans | $105,628,000 | 3,088 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1709% | 3,141 |
| Cost of funding earning assets | 0.3511% | 1,247 |
| Net interest margin | 2.8198% | 3,383 |
| Noninterest income to average assets | 0.7315% | 1,233 |
| Noninterest expense to average assets | 2.1814% | 2,915 |
| Loan and lease loss provision to assets | 0.0346% | 1,954 |
| Net operating income to assets | 0.9515% | 2,357 |
| Return on assets (ROA) | 0.9537% | 2,318 |
| Pretax return on assets | 1.1638% | 2,193 |
| Return on Equity (ROE) | 10.6899% | 2,093 |
| Retained earnings to average equity (ytd only) | 10.6899% | 848 |
| Net charge-offs to loans | 0.0057% | 1,797 |
| Credit loss provision to net charge-offs | 1,333.3333% | 333 |
| Earnings coverage of net charge-offs (x) | 461.0000% | 274 |
| Efficiency ratio | 64.5929% | 2,695 |
| Assets per employee ($millions) | 8.1019% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 2,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 45.6545% | 3,730 |
| Net loans and leases to deposits | 50.5930% | 3,782 |
| Net loans and leases to core deposits | 51.9807% | 3,822 |
| Total domestic deposits to total assets | 90.2387% | 1,617 |
| Equity capital to assets | 8.2956% | 2,910 |
| Core capital (leverage) ratio | 10.2155% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2775% | 1,128 |
| Memoranda: | ||
| Average total assets | $231,320,667 | 2,880 |
| Average earning assets | $217,036,667 | 2,871 |
| Average equity | $20,636,333 | 3,005 |
| Average total loans | $105,948,667 | 3,112 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0073% | 3,234 |
| Cost of funding earning assets | 0.3305% | 1,373 |
| Net interest margin | 2.6768% | 3,456 |
| Noninterest income to average assets | 0.6046% | 1,671 |
| Noninterest expense to average assets | 2.0672% | 3,257 |
| Loan and lease loss provision to assets | 0.0445% | 1,560 |
| Net operating income to assets | 0.9253% | 2,178 |
| Return on assets (ROA) | 0.9300% | 2,146 |
| Pretax return on assets | 1.0088% | 2,410 |
| Return on Equity (ROE) | 10.0812% | 1,938 |
| Retained earnings to average equity (ytd only) | 10.0812% | 997 |
| Net charge-offs to loans | 0.0300% | 1,010 |
| Credit loss provision to net charge-offs | 325.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 762 |
| Efficiency ratio | 66.3551% | 2,723 |
| Assets per employee ($millions) | 8.3542% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 2,990 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 45.7872% | 3,601 |
| Net loans and leases to deposits | 50.7323% | 3,669 |
| Net loans and leases to core deposits | 52.1566% | 3,723 |
| Total domestic deposits to total assets | 90.2525% | 1,412 |
| Equity capital to assets | 8.6407% | 3,030 |
| Core capital (leverage) ratio | 9.5707% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7788% | 1,315 |
| Memoranda: | ||
| Average total assets | $233,554,000 | 2,877 |
| Average earning assets | $219,067,500 | 2,870 |
| Average equity | $21,545,000 | 3,015 |
| Average total loans | $106,528,000 | 3,105 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5013% | 2,654 |
| Cost of funding earning assets | 0.4804% | 1,006 |
| Net interest margin | 3.0209% | 3,143 |
| Noninterest income to average assets | 1.4175% | 555 |
| Noninterest expense to average assets | 2.3854% | 2,533 |
| Loan and lease loss provision to assets | 0.0797% | 1,537 |
| Net operating income to assets | 1.3497% | 1,443 |
| Return on assets (ROA) | 1.3387% | 1,514 |
| Pretax return on assets | 1.7573% | 1,009 |
| Return on Equity (ROE) | 12.9603% | 1,479 |
| Retained earnings to average equity (ytd only) | 9.8190% | 964 |
| Net charge-offs to loans | 0.0518% | 1,290 |
| Credit loss provision to net charge-offs | 307.1429% | 1,047 |
| Earnings coverage of net charge-offs (x) | 71.3036% | 1,061 |
| Efficiency ratio | 56.3081% | 3,668 |
| Assets per employee ($millions) | 8.3283% | 1,156 |
| Cash dividends to net income (ytd only)* | 24.2382% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 3,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 3,097 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 44.4117% | 3,811 |
| Net loans and leases to deposits | 50.4020% | 3,855 |
| Net loans and leases to core deposits | 52.0637% | 3,892 |
| Total domestic deposits to total assets | 88.1149% | 1,985 |
| Equity capital to assets | 9.8108% | 2,843 |
| Core capital (leverage) ratio | 10.2775% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8108% | 1,311 |
| Memoranda: | ||
| Average total assets | $215,725,200 | 2,944 |
| Average earning assets | $201,297,000 | 2,944 |
| Average equity | $22,283,400 | 3,036 |
| Average total loans | $108,153,800 | 3,100 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5046% | 2,829 |
| Cost of funding earning assets | 0.5364% | 887 |
| Net interest margin | 2.9682% | 3,387 |
| Noninterest income to average assets | 1.7310% | 423 |
| Noninterest expense to average assets | 2.2306% | 2,972 |
| Loan and lease loss provision to assets | 0.0620% | 1,760 |
| Net operating income to assets | 1.7744% | 701 |
| Return on assets (ROA) | 1.7840% | 722 |
| Pretax return on assets | 2.2224% | 523 |
| Return on Equity (ROE) | 17.0346% | 758 |
| Retained earnings to average equity (ytd only) | 17.0346% | 235 |
| Net charge-offs to loans | 0.0709% | 939 |
| Credit loss provision to net charge-offs | 168.9655% | 1,287 |
| Earnings coverage of net charge-offs (x) | 62.1034% | 1,118 |
| Efficiency ratio | 49.5377% | 4,263 |
| Assets per employee ($millions) | 7.7549% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 3,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 3,267 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 49.9194% | 3,420 |
| Net loans and leases to deposits | 58.3637% | 3,372 |
| Net loans and leases to core deposits | 60.4167% | 3,445 |
| Total domestic deposits to total assets | 85.5316% | 2,932 |
| Equity capital to assets | 10.9705% | 2,044 |
| Core capital (leverage) ratio | 10.3959% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2422% | 1,092 |
| Memoranda: | ||
| Average total assets | $211,358,750 | 3,005 |
| Average earning assets | $197,373,250 | 3,009 |
| Average equity | $22,134,750 | 3,077 |
| Average total loans | $109,005,000 | 3,131 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5721% | 2,711 |
| Cost of funding earning assets | 0.6112% | 710 |
| Net interest margin | 2.9608% | 3,417 |
| Noninterest income to average assets | 0.5720% | 2,331 |
| Noninterest expense to average assets | 2.1849% | 3,138 |
| Loan and lease loss provision to assets | 0.0859% | 1,431 |
| Net operating income to assets | 0.9398% | 3,094 |
| Return on assets (ROA) | 0.9559% | 3,128 |
| Pretax return on assets | 1.0762% | 3,284 |
| Return on Equity (ROE) | 9.2803% | 3,018 |
| Retained earnings to average equity (ytd only) | 9.2803% | 1,629 |
| Net charge-offs to loans | 0.0074% | 1,867 |
| Credit loss provision to net charge-offs | 2,250.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 299.5000% | 375 |
| Efficiency ratio | 65.6340% | 2,204 |
| Assets per employee ($millions) | 7.2646% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 3,363 |
| Loan loss allowance to noncurrent loans | 28,875.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 3,351 |
| Noncurrent loans to loans | 0.0039% | 4,244 |
| Net loans and leases to total assets | 48.6923% | 3,667 |
| Net loans and leases to deposits | 56.4922% | 3,680 |
| Net loans and leases to core deposits | 61.3731% | 3,519 |
| Total domestic deposits to total assets | 86.1929% | 2,668 |
| Equity capital to assets | 10.4835% | 2,407 |
| Core capital (leverage) ratio | 9.6286% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5892% | 1,212 |
| Memoranda: | ||
| Average total assets | $209,433,000 | 3,018 |
| Average earning assets | $195,013,667 | 3,023 |
| Average equity | $21,572,667 | 3,123 |
| Average total loans | $108,839,667 | 3,139 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5739% | 2,722 |
| Cost of funding earning assets | 0.6067% | 854 |
| Net interest margin | 2.9672% | 3,338 |
| Noninterest income to average assets | 0.6168% | 2,140 |
| Noninterest expense to average assets | 2.1493% | 3,275 |
| Loan and lease loss provision to assets | 0.1092% | 1,268 |
| Net operating income to assets | 1.0370% | 2,685 |
| Return on assets (ROA) | 1.0708% | 2,653 |
| Pretax return on assets | 1.1494% | 2,989 |
| Return on Equity (ROE) | 10.4898% | 2,534 |
| Retained earnings to average equity (ytd only) | 10.4898% | 1,517 |
| Net charge-offs to loans | 0.0072% | 1,643 |
| Credit loss provision to net charge-offs | 2,850.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 319.0000% | 284 |
| Efficiency ratio | 63.7500% | 2,497 |
| Assets per employee ($millions) | 8.1591% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 3,779 |
| Loan loss allowance to noncurrent loans | 2,882.0513% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 3,457 |
| Noncurrent loans to loans | 0.0353% | 4,106 |
| Net loans and leases to total assets | 49.6412% | 3,663 |
| Net loans and leases to deposits | 57.5350% | 3,673 |
| Net loans and leases to core deposits | 64.1016% | 3,405 |
| Total domestic deposits to total assets | 86.2799% | 2,634 |
| Equity capital to assets | 9.6170% | 3,084 |
| Core capital (leverage) ratio | 9.5647% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2100% | 1,243 |
| Memoranda: | ||
| Average total assets | $208,812,500 | 3,016 |
| Average earning assets | $193,850,000 | 3,025 |
| Average equity | $21,316,000 | 3,129 |
| Average total loans | $111,391,000 | 3,110 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 2,706 |
| Cost of funding earning assets | 0.8490% | 1,022 |
| Net interest margin | 3.1565% | 3,476 |
| Noninterest income to average assets | 0.7066% | 1,845 |
| Noninterest expense to average assets | 2.5140% | 2,805 |
| Loan and lease loss provision to assets | 0.0927% | 3,192 |
| Net operating income to assets | 0.8774% | 2,800 |
| Return on assets (ROA) | 0.8936% | 2,862 |
| Pretax return on assets | 1.0501% | 2,880 |
| Return on Equity (ROE) | 8.0253% | 2,809 |
| Retained earnings to average equity (ytd only) | 5.1706% | 2,202 |
| Net charge-offs to loans | 0.0596% | 1,925 |
| Credit loss provision to net charge-offs | 283.3333% | 1,795 |
| Earnings coverage of net charge-offs (x) | 34.3500% | 1,492 |
| Efficiency ratio | 69.1097% | 2,079 |
| Assets per employee ($millions) | 7.3298% | 1,380 |
| Cash dividends to net income (ytd only)* | 35.5705% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 4,028 |
| Loan loss allowance to noncurrent loans | 26,725.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 3,586 |
| Noncurrent loans to loans | 0.0036% | 4,392 |
| Net loans and leases to total assets | 56.2042% | 3,282 |
| Net loans and leases to deposits | 66.5134% | 3,225 |
| Net loans and leases to core deposits | 74.1461% | 2,901 |
| Total domestic deposits to total assets | 84.5006% | 2,946 |
| Equity capital to assets | 10.7430% | 2,482 |
| Core capital (leverage) ratio | 10.0919% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7946% | 1,312 |
| Memoranda: | ||
| Average total assets | $183,416,000 | 3,077 |
| Average earning assets | $170,313,000 | 3,067 |
| Average equity | $20,423,000 | 3,146 |
| Average total loans | $100,755,600 | 3,217 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 2,796 |
| Cost of funding earning assets | 0.9013% | 1,066 |
| Net interest margin | 3.1569% | 3,605 |
| Noninterest income to average assets | 0.6044% | 2,160 |
| Noninterest expense to average assets | 2.4620% | 2,958 |
| Loan and lease loss provision to assets | 0.0829% | 3,278 |
| Net operating income to assets | 0.8906% | 2,743 |
| Return on assets (ROA) | 0.9084% | 2,794 |
| Pretax return on assets | 1.0197% | 2,997 |
| Return on Equity (ROE) | 8.0802% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.0802% | 1,278 |
| Net charge-offs to loans | 0.0150% | 2,587 |
| Credit loss provision to net charge-offs | 1,018.1818% | 813 |
| Earnings coverage of net charge-offs (x) | 132.7273% | 657 |
| Efficiency ratio | 69.4561% | 1,968 |
| Assets per employee ($millions) | 6.9840% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,535 |
| Loan loss allowance to noncurrent loans | 2,384.0909% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 3,575 |
| Noncurrent loans to loans | 0.0434% | 4,212 |
| Net loans and leases to total assets | 53.1493% | 3,876 |
| Net loans and leases to deposits | 61.5474% | 3,955 |
| Net loans and leases to core deposits | 66.8851% | 3,832 |
| Total domestic deposits to total assets | 86.3550% | 1,912 |
| Equity capital to assets | 11.2888% | 2,157 |
| Core capital (leverage) ratio | 10.4588% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9109% | 1,069 |
| Memoranda: | ||
| Average total assets | $179,793,750 | 3,090 |
| Average earning assets | $167,458,000 | 3,083 |
| Average equity | $20,213,500 | 3,162 |
| Average total loans | $97,869,500 | 3,279 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 3,142 |
| Cost of funding earning assets | 0.9547% | 1,135 |
| Net interest margin | 3.1109% | 3,878 |
| Noninterest income to average assets | 0.6400% | 1,975 |
| Noninterest expense to average assets | 2.4741% | 3,036 |
| Loan and lease loss provision to assets | 0.0780% | 3,323 |
| Net operating income to assets | 0.8862% | 2,747 |
| Return on assets (ROA) | 0.9137% | 2,763 |
| Pretax return on assets | 1.0109% | 2,990 |
| Return on Equity (ROE) | 8.1387% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.1387% | 1,257 |
| Net charge-offs to loans | 0.0186% | 2,347 |
| Credit loss provision to net charge-offs | 766.6667% | 936 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 683 |
| Efficiency ratio | 70.0384% | 1,950 |
| Assets per employee ($millions) | 7.6166% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,432 |
| Loan loss allowance to noncurrent loans | 256.0914% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 3,505 |
| Noncurrent loans to loans | 0.4007% | 2,968 |
| Net loans and leases to total assets | 51.1065% | 4,089 |
| Net loans and leases to deposits | 58.9667% | 4,168 |
| Net loans and leases to core deposits | 65.3395% | 4,003 |
| Total domestic deposits to total assets | 86.6701% | 1,747 |
| Equity capital to assets | 10.9735% | 2,367 |
| Core capital (leverage) ratio | 10.4971% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3118% | 1,174 |
| Memoranda: | ||
| Average total assets | $176,869,333 | 3,102 |
| Average earning assets | $164,452,667 | 3,092 |
| Average equity | $19,855,667 | 3,186 |
| Average total loans | $96,735,667 | 3,290 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3410% | 2,793 |
| Cost of funding earning assets | 1.0155% | 1,356 |
| Net interest margin | 3.3255% | 3,530 |
| Noninterest income to average assets | 0.7596% | 1,434 |
| Noninterest expense to average assets | 2.5115% | 3,240 |
| Loan and lease loss provision to assets | 0.0964% | 2,480 |
| Net operating income to assets | 1.1311% | 1,748 |
| Return on assets (ROA) | 1.1311% | 1,851 |
| Pretax return on assets | 1.2087% | 2,164 |
| Return on Equity (ROE) | 9.9504% | 1,761 |
| Retained earnings to average equity (ytd only) | 9.9504% | 755 |
| Net charge-offs to loans | 0.0250% | 1,866 |
| Credit loss provision to net charge-offs | 683.3333% | 736 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 611 |
| Efficiency ratio | 65.8041% | 2,994 |
| Assets per employee ($millions) | 7.0647% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,578 |
| Loan loss allowance to noncurrent loans | 314.3770% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 3,783 |
| Noncurrent loans to loans | 0.3258% | 3,325 |
| Net loans and leases to total assets | 53.8357% | 3,999 |
| Net loans and leases to deposits | 61.8728% | 4,105 |
| Net loans and leases to core deposits | 69.4620% | 3,912 |
| Total domestic deposits to total assets | 87.0103% | 1,550 |
| Equity capital to assets | 10.9769% | 2,875 |
| Core capital (leverage) ratio | 10.9709% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4107% | 1,079 |
| Memoranda: | ||
| Average total assets | $170,097,000 | 3,134 |
| Average earning assets | $156,369,000 | 3,137 |
| Average equity | $19,336,000 | 3,233 |
| Average total loans | $95,942,000 | 3,280 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4634% | 3,073 |
| Cost of funding earning assets | 0.9949% | 1,745 |
| Net interest margin | 3.4685% | 3,540 |
| Noninterest income to average assets | 0.9327% | 1,112 |
| Noninterest expense to average assets | 2.9343% | 2,186 |
| Loan and lease loss provision to assets | 0.0960% | 2,119 |
| Net operating income to assets | 0.9460% | 3,036 |
| Return on assets (ROA) | 0.9465% | 3,111 |
| Pretax return on assets | 1.1022% | 3,155 |
| Return on Equity (ROE) | 7.8052% | 3,245 |
| Retained earnings to average equity (ytd only) | 0.6366% | 4,506 |
| Net charge-offs to loans | 0.0762% | 2,005 |
| Credit loss provision to net charge-offs | 212.5000% | 1,249 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,695 |
| Efficiency ratio | 71.0163% | 2,021 |
| Assets per employee ($millions) | 6.5431% | 1,263 |
| Cash dividends to net income (ytd only)* | 91.8435% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 3,573 |
| Loan loss allowance to noncurrent loans | 312.1711% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 3,725 |
| Noncurrent loans to loans | 0.3173% | 3,301 |
| Net loans and leases to total assets | 57.9959% | 3,770 |
| Net loans and leases to deposits | 67.4775% | 3,867 |
| Net loans and leases to core deposits | 76.4651% | 3,544 |
| Total domestic deposits to total assets | 85.9485% | 2,087 |
| Equity capital to assets | 11.7896% | 2,289 |
| Core capital (leverage) ratio | 11.2914% | 2,256 |
| Tier 1 risk-based capital ratio | 17.5403% | 1,882 |
| Total risk-based capital ratio | 18.4325% | 1,937 |
| Memoranda: | ||
| Average total assets | $159,323,000 | 3,206 |
| Average earning assets | $146,950,000 | 3,203 |
| Average equity | $19,320,400 | 3,189 |
| Average total loans | $94,514,200 | 3,306 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4589% | 3,181 |
| Cost of funding earning assets | 0.9572% | 1,957 |
| Net interest margin | 3.5017% | 3,558 |
| Noninterest income to average assets | 0.7768% | 1,496 |
| Noninterest expense to average assets | 2.8240% | 2,501 |
| Loan and lease loss provision to assets | 0.0859% | 2,198 |
| Net operating income to assets | 0.9824% | 3,041 |
| Return on assets (ROA) | 0.9832% | 3,119 |
| Pretax return on assets | 1.1070% | 3,275 |
| Return on Equity (ROE) | 8.0498% | 3,281 |
| Retained earnings to average equity (ytd only) | 8.0498% | 1,369 |
| Net charge-offs to loans | 0.0679% | 1,853 |
| Credit loss provision to net charge-offs | 212.5000% | 1,249 |
| Earnings coverage of net charge-offs (x) | 29.4784% | 1,641 |
| Efficiency ratio | 70.3168% | 2,069 |
| Assets per employee ($millions) | 6.6383% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 3,769 |
| Loan loss allowance to noncurrent loans | 3,688.0000% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,679 |
| Noncurrent loans to loans | 0.0261% | 4,558 |
| Net loans and leases to total assets | 57.1612% | 3,953 |
| Net loans and leases to deposits | 66.9152% | 4,000 |
| Net loans and leases to core deposits | 77.7578% | 3,570 |
| Total domestic deposits to total assets | 85.4233% | 2,246 |
| Equity capital to assets | 12.2869% | 2,051 |
| Core capital (leverage) ratio | 12.0739% | 1,802 |
| Tier 1 risk-based capital ratio | 18.9188% | 1,582 |
| Total risk-based capital ratio | 19.8041% | 1,644 |
| Memoranda: | ||
| Average total assets | $158,259,500 | 3,248 |
| Average earning assets | $146,401,000 | 3,242 |
| Average equity | $19,329,250 | 3,212 |
| Average total loans | $94,188,500 | 3,353 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4771% | 3,082 |
| Cost of funding earning assets | 0.8937% | 2,179 |
| Net interest margin | 3.5833% | 3,319 |
| Noninterest income to average assets | 0.7707% | 1,437 |
| Noninterest expense to average assets | 2.8222% | 2,511 |
| Loan and lease loss provision to assets | 0.0899% | 2,050 |
| Net operating income to assets | 1.0509% | 2,720 |
| Return on assets (ROA) | 1.0521% | 2,782 |
| Pretax return on assets | 1.1664% | 3,022 |
| Return on Equity (ROE) | 8.6323% | 3,010 |
| Retained earnings to average equity (ytd only) | 8.6323% | 1,155 |
| Net charge-offs to loans | 0.0619% | 1,759 |
| Credit loss provision to net charge-offs | 241.3793% | 1,051 |
| Earnings coverage of net charge-offs (x) | 33.6897% | 1,374 |
| Efficiency ratio | 69.2187% | 2,345 |
| Assets per employee ($millions) | 5.5996% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 3,836 |
| Loan loss allowance to noncurrent loans | 5,347.0588% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,745 |
| Noncurrent loans to loans | 0.0179% | 4,634 |
| Net loans and leases to total assets | 62.0557% | 3,542 |
| Net loans and leases to deposits | 73.3764% | 3,565 |
| Net loans and leases to core deposits | 92.5358% | 2,363 |
| Total domestic deposits to total assets | 84.5717% | 2,657 |
| Equity capital to assets | 13.1047% | 1,539 |
| Core capital (leverage) ratio | 12.4613% | 1,555 |
| Tier 1 risk-based capital ratio | 18.6811% | 1,627 |
| Total risk-based capital ratio | 19.5585% | 1,683 |
| Memoranda: | ||
| Average total assets | $155,693,670 | 3,287 |
| Average earning assets | $143,665,000 | 3,287 |
| Average equity | $18,975,330 | 3,249 |
| Average total loans | $93,656,330 | 3,384 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 3,011 |
| Cost of funding earning assets | 0.8475% | 2,284 |
| Net interest margin | 3.6127% | 3,208 |
| Noninterest income to average assets | 0.7648% | 1,381 |
| Noninterest expense to average assets | 2.6667% | 3,011 |
| Loan and lease loss provision to assets | 0.1064% | 1,674 |
| Net operating income to assets | 1.2386% | 1,925 |
| Return on assets (ROA) | 1.2409% | 1,966 |
| Pretax return on assets | 1.3194% | 2,379 |
| Return on Equity (ROE) | 10.5623% | 2,137 |
| Retained earnings to average equity (ytd only) | 10.5623% | 915 |
| Net charge-offs to loans | 0.0086% | 2,383 |
| Credit loss provision to net charge-offs | 2,100.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 281.0000% | 290 |
| Efficiency ratio | 65.2012% | 3,061 |
| Assets per employee ($millions) | 6.5564% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,903 |
| Loan loss allowance to noncurrent loans | 4,127.2727% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 4,801 |
| Noncurrent loans to loans | 0.0234% | 4,677 |
| Net loans and leases to total assets | 56.8572% | 3,994 |
| Net loans and leases to deposits | 65.7138% | 4,077 |
| Net loans and leases to core deposits | 83.7488% | 3,044 |
| Total domestic deposits to total assets | 86.5224% | 2,055 |
| Equity capital to assets | 11.5375% | 2,364 |
| Core capital (leverage) ratio | 11.7889% | 1,916 |
| Tier 1 risk-based capital ratio | 17.8212% | 1,845 |
| Total risk-based capital ratio | 18.6717% | 1,912 |
| Memoranda: | ||
| Average total assets | $157,945,500 | 3,317 |
| Average earning assets | $145,377,000 | 3,307 |
| Average equity | $18,556,500 | 3,305 |
| Average total loans | $93,119,000 | 3,425 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2368% | 3,328 |
| Cost of funding earning assets | 0.5867% | 2,812 |
| Net interest margin | 3.6500% | 3,223 |
| Noninterest income to average assets | 0.8049% | 1,431 |
| Noninterest expense to average assets | 2.9387% | 2,219 |
| Loan and lease loss provision to assets | 0.0740% | 2,651 |
| Net operating income to assets | 0.9155% | 3,384 |
| Return on assets (ROA) | 0.8640% | 3,562 |
| Pretax return on assets | 1.0685% | 3,378 |
| Return on Equity (ROE) | 7.3520% | 3,709 |
| Retained earnings to average equity (ytd only) | 4.3140% | 3,172 |
| Net charge-offs to loans | 0.0697% | 2,118 |
| Credit loss provision to net charge-offs | 186.8852% | 1,524 |
| Earnings coverage of net charge-offs (x) | 30.4590% | 1,579 |
| Efficiency ratio | 70.9005% | 2,056 |
| Assets per employee ($millions) | 5.6290% | 1,836 |
| Cash dividends to net income (ytd only)* | 41.3223% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 3,987 |
| Loan loss allowance to noncurrent loans | 2,480.0000% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,762 |
| Noncurrent loans to loans | 0.0380% | 4,591 |
| Net loans and leases to total assets | 60.0518% | 3,769 |
| Net loans and leases to deposits | 69.7251% | 3,850 |
| Net loans and leases to core deposits | 86.9749% | 2,842 |
| Total domestic deposits to total assets | 86.1266% | 2,168 |
| Equity capital to assets | 11.9764% | 1,916 |
| Core capital (leverage) ratio | 12.3571% | 1,532 |
| Tier 1 risk-based capital ratio | 18.4026% | 1,644 |
| Total risk-based capital ratio | 19.2630% | 1,711 |
| Memoranda: | ||
| Average total assets | $154,047,400 | 3,343 |
| Average earning assets | $140,957,000 | 3,349 |
| Average equity | $18,103,800 | 3,286 |
| Average total loans | $87,468,400 | 3,527 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 3,434 |
| Cost of funding earning assets | 0.5189% | 3,070 |
| Net interest margin | 3.6406% | 3,221 |
| Noninterest income to average assets | 0.7936% | 1,497 |
| Noninterest expense to average assets | 2.7794% | 2,706 |
| Loan and lease loss provision to assets | 0.0759% | 2,442 |
| Net operating income to assets | 1.0949% | 2,688 |
| Return on assets (ROA) | 1.0213% | 3,010 |
| Pretax return on assets | 1.1766% | 3,086 |
| Return on Equity (ROE) | 8.7317% | 3,223 |
| Retained earnings to average equity (ytd only) | 8.7317% | 1,329 |
| Net charge-offs to loans | 0.0726% | 1,801 |
| Credit loss provision to net charge-offs | 187.2340% | 1,462 |
| Earnings coverage of net charge-offs (x) | 32.9762% | 1,530 |
| Efficiency ratio | 67.5189% | 2,627 |
| Assets per employee ($millions) | 5.4211% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 4,075 |
| Loan loss allowance to noncurrent loans | 1,428.3333% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 4,785 |
| Noncurrent loans to loans | 0.0660% | 4,589 |
| Net loans and leases to total assets | 59.3399% | 3,916 |
| Net loans and leases to deposits | 68.8640% | 3,997 |
| Net loans and leases to core deposits | 86.0213% | 2,990 |
| Total domestic deposits to total assets | 86.1697% | 2,110 |
| Equity capital to assets | 12.0047% | 1,903 |
| Core capital (leverage) ratio | 12.2763% | 1,632 |
| Tier 1 risk-based capital ratio | 18.8850% | 1,562 |
| Total risk-based capital ratio | 19.7395% | 1,632 |
| Memoranda: | ||
| Average total assets | $154,563,750 | 3,367 |
| Average earning assets | $141,072,250 | 3,382 |
| Average equity | $18,079,250 | 3,310 |
| Average total loans | $86,301,500 | 3,573 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0805% | 3,527 |
| Cost of funding earning assets | 0.4405% | 3,424 |
| Net interest margin | 3.6400% | 3,158 |
| Noninterest income to average assets | 0.8104% | 1,442 |
| Noninterest expense to average assets | 2.6999% | 3,020 |
| Loan and lease loss provision to assets | 0.0746% | 2,395 |
| Net operating income to assets | 1.1978% | 2,209 |
| Return on assets (ROA) | 1.0856% | 2,646 |
| Pretax return on assets | 1.2258% | 2,847 |
| Return on Equity (ROE) | 9.3613% | 2,867 |
| Retained earnings to average equity (ytd only) | 9.3613% | 1,102 |
| Net charge-offs to loans | 0.0354% | 2,144 |
| Credit loss provision to net charge-offs | 386.6667% | 847 |
| Earnings coverage of net charge-offs (x) | 73.9333% | 872 |
| Efficiency ratio | 65.4302% | 3,077 |
| Assets per employee ($millions) | 5.6770% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 3,952 |
| Loan loss allowance to noncurrent loans | 2,955.1724% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 4,942 |
| Noncurrent loans to loans | 0.0332% | 4,770 |
| Net loans and leases to total assets | 54.4097% | 4,303 |
| Net loans and leases to deposits | 62.6117% | 4,384 |
| Net loans and leases to core deposits | 76.5056% | 3,700 |
| Total domestic deposits to total assets | 86.9002% | 1,880 |
| Equity capital to assets | 11.4257% | 2,248 |
| Core capital (leverage) ratio | 12.2453% | 1,574 |
| Tier 1 risk-based capital ratio | 19.0826% | 1,533 |
| Total risk-based capital ratio | 19.9618% | 1,585 |
| Memoranda: | ||
| Average total assets | $155,488,330 | 3,376 |
| Average earning assets | $141,648,670 | 3,391 |
| Average equity | $18,031,670 | 3,327 |
| Average total loans | $84,759,000 | 3,630 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0600% | 3,378 |
| Cost of funding earning assets | 0.4176% | 3,465 |
| Net interest margin | 3.6424% | 3,018 |
| Noninterest income to average assets | 0.7779% | 1,529 |
| Noninterest expense to average assets | 2.7082% | 3,018 |
| Loan and lease loss provision to assets | 0.0754% | 2,258 |
| Net operating income to assets | 1.1996% | 2,005 |
| Return on assets (ROA) | 1.2019% | 2,007 |
| Pretax return on assets | 1.3554% | 2,169 |
| Return on Equity (ROE) | 10.2858% | 2,279 |
| Retained earnings to average equity (ytd only) | 10.2858% | 1,072 |
| Net charge-offs to loans | 0.0192% | 2,117 |
| Credit loss provision to net charge-offs | 725.0000% | 462 |
| Earnings coverage of net charge-offs (x) | 137.2500% | 471 |
| Efficiency ratio | 65.4717% | 3,253 |
| Assets per employee ($millions) | 5.0823% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 3,998 |
| Loan loss allowance to noncurrent loans | 4,666.6667% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 3,309 |
| Noncurrent loans to loans | 0.0213% | 4,887 |
| Net loans and leases to total assets | 54.8869% | 4,215 |
| Net loans and leases to deposits | 63.5137% | 4,237 |
| Net loans and leases to core deposits | 73.5182% | 3,856 |
| Total domestic deposits to total assets | 86.4175% | 2,351 |
| Equity capital to assets | 11.7100% | 1,983 |
| Core capital (leverage) ratio | 11.4606% | 2,042 |
| Tier 1 risk-based capital ratio | 19.2495% | 1,491 |
| Total risk-based capital ratio | 20.1372% | 1,539 |
| Memoranda: | ||
| Average total assets | $153,754,000 | 3,426 |
| Average earning assets | $141,775,000 | 3,429 |
| Average equity | $17,966,500 | 3,359 |
| Average total loans | $83,466,000 | 3,680 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 3,699 |
| Cost of funding earning assets | 0.3652% | 3,564 |
| Net interest margin | 3.5427% | 3,366 |
| Noninterest income to average assets | 0.7439% | 1,792 |
| Noninterest expense to average assets | 2.8101% | 2,735 |
| Loan and lease loss provision to assets | 0.0704% | 2,795 |
| Net operating income to assets | 0.7122% | 3,548 |
| Return on assets (ROA) | 0.7109% | 3,605 |
| Pretax return on assets | 1.0971% | 3,196 |
| Return on Equity (ROE) | 6.1769% | 3,684 |
| Retained earnings to average equity (ytd only) | 2.8708% | 3,594 |
| Net charge-offs to loans | 0.1001% | 2,074 |
| Credit loss provision to net charge-offs | 138.7500% | 1,905 |
| Earnings coverage of net charge-offs (x) | 23.0500% | 1,828 |
| Efficiency ratio | 70.6135% | 2,455 |
| Assets per employee ($millions) | 5.3462% | 2,109 |
| Cash dividends to net income (ytd only)* | 53.5236% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 4,009 |
| Loan loss allowance to noncurrent loans | 7,409.0909% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 3,388 |
| Noncurrent loans to loans | 0.0133% | 4,976 |
| Net loans and leases to total assets | 52.6264% | 4,475 |
| Net loans and leases to deposits | 60.9273% | 4,504 |
| Net loans and leases to core deposits | 70.3458% | 4,152 |
| Total domestic deposits to total assets | 86.3758% | 2,282 |
| Equity capital to assets | 11.6609% | 2,069 |
| Core capital (leverage) ratio | 11.5756% | 1,888 |
| Tier 1 risk-based capital ratio | 18.8610% | 1,540 |
| Total risk-based capital ratio | 19.7250% | 1,608 |
| Memoranda: | ||
| Average total assets | $157,681,600 | 3,384 |
| Average earning assets | $144,013,800 | 3,400 |
| Average equity | $18,148,200 | 3,343 |
| Average total loans | $79,947,000 | 3,748 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 3,757 |
| Cost of funding earning assets | 0.3481% | 3,689 |
| Net interest margin | 3.5254% | 3,407 |
| Noninterest income to average assets | 0.7376% | 1,844 |
| Noninterest expense to average assets | 2.7240% | 2,985 |
| Loan and lease loss provision to assets | 0.0623% | 2,829 |
| Net operating income to assets | 0.9932% | 2,582 |
| Return on assets (ROA) | 0.9911% | 2,648 |
| Pretax return on assets | 1.1721% | 3,015 |
| Return on Equity (ROE) | 8.6388% | 2,793 |
| Retained earnings to average equity (ytd only) | 8.6388% | 968 |
| Net charge-offs to loans | 0.0891% | 1,907 |
| Credit loss provision to net charge-offs | 139.6226% | 1,780 |
| Earnings coverage of net charge-offs (x) | 27.7189% | 1,623 |
| Efficiency ratio | 68.7713% | 2,743 |
| Assets per employee ($millions) | 5.4418% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 4,022 |
| Loan loss allowance to noncurrent loans | 2,439.3939% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 3,518 |
| Noncurrent loans to loans | 0.0412% | 4,930 |
| Net loans and leases to total assets | 50.2449% | 4,683 |
| Net loans and leases to deposits | 58.4205% | 4,730 |
| Net loans and leases to core deposits | 67.3173% | 4,403 |
| Total domestic deposits to total assets | 86.0056% | 2,309 |
| Equity capital to assets | 11.9642% | 1,987 |
| Core capital (leverage) ratio | 11.7394% | 1,855 |
| Tier 1 risk-based capital ratio | 19.8847% | 1,383 |
| Total risk-based capital ratio | 20.7524% | 1,444 |
| Memoranda: | ||
| Average total assets | $158,342,000 | 3,396 |
| Average earning assets | $144,772,500 | 3,412 |
| Average equity | $18,165,500 | 3,372 |
| Average total loans | $79,332,000 | 3,793 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8379% | 3,764 |
| Cost of funding earning assets | 0.3263% | 3,836 |
| Net interest margin | 3.5116% | 3,351 |
| Noninterest income to average assets | 0.7255% | 1,885 |
| Noninterest expense to average assets | 2.7025% | 3,080 |
| Loan and lease loss provision to assets | 0.0555% | 2,865 |
| Net operating income to assets | 1.0582% | 2,173 |
| Return on assets (ROA) | 1.0548% | 2,227 |
| Pretax return on assets | 1.1683% | 2,907 |
| Return on Equity (ROE) | 9.3267% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.3267% | 752 |
| Net charge-offs to loans | 0.0582% | 2,098 |
| Credit loss provision to net charge-offs | 191.3043% | 1,316 |
| Earnings coverage of net charge-offs (x) | 42.3043% | 1,208 |
| Efficiency ratio | 68.7640% | 2,878 |
| Assets per employee ($millions) | 5.7033% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 4,089 |
| Loan loss allowance to noncurrent loans | 856.3830% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 3,467 |
| Noncurrent loans to loans | 0.1178% | 4,649 |
| Net loans and leases to total assets | 49.4518% | 4,740 |
| Net loans and leases to deposits | 57.2540% | 4,787 |
| Net loans and leases to core deposits | 58.5001% | 4,900 |
| Total domestic deposits to total assets | 86.3726% | 2,208 |
| Equity capital to assets | 11.6824% | 2,166 |
| Core capital (leverage) ratio | 11.4164% | 2,031 |
| Tier 1 risk-based capital ratio | 19.3591% | 1,506 |
| Total risk-based capital ratio | 20.2198% | 1,548 |
| Memoranda: | ||
| Average total assets | $158,518,330 | 3,410 |
| Average earning assets | $144,662,670 | 3,433 |
| Average equity | $17,927,000 | 3,403 |
| Average total loans | $79,076,670 | 3,810 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8420% | 3,614 |
| Cost of funding earning assets | 0.3290% | 3,754 |
| Net interest margin | 3.5130% | 3,227 |
| Noninterest income to average assets | 0.7421% | 1,773 |
| Noninterest expense to average assets | 2.5378% | 3,698 |
| Loan and lease loss provision to assets | 0.0456% | 2,887 |
| Net operating income to assets | 1.1207% | 1,791 |
| Return on assets (ROA) | 1.1144% | 1,850 |
| Pretax return on assets | 1.3424% | 2,088 |
| Return on Equity (ROE) | 10.0214% | 1,952 |
| Retained earnings to average equity (ytd only) | 10.0214% | 800 |
| Net charge-offs to loans | 0.0254% | 2,250 |
| Credit loss provision to net charge-offs | 360.0000% | 702 |
| Earnings coverage of net charge-offs (x) | 110.2000% | 496 |
| Efficiency ratio | 64.5203% | 3,754 |
| Assets per employee ($millions) | 5.9730% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 4,200 |
| Loan loss allowance to noncurrent loans | 2,213.8889% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 3,718 |
| Noncurrent loans to loans | 0.0458% | 5,013 |
| Net loans and leases to total assets | 48.2607% | 4,802 |
| Net loans and leases to deposits | 55.3308% | 4,855 |
| Net loans and leases to core deposits | 56.5103% | 4,953 |
| Total domestic deposits to total assets | 87.2220% | 2,102 |
| Equity capital to assets | 11.0579% | 2,576 |
| Core capital (leverage) ratio | 11.1446% | 2,240 |
| Tier 1 risk-based capital ratio | 18.9272% | 1,632 |
| Total risk-based capital ratio | 19.7773% | 1,693 |
| Memoranda: | ||
| Average total assets | $157,931,000 | 3,452 |
| Average earning assets | $143,467,000 | 3,482 |
| Average equity | $17,562,500 | 3,475 |
| Average total loans | $78,727,000 | 3,842 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 4,030 |
| Cost of funding earning assets | 0.3254% | 3,791 |
| Net interest margin | 3.4324% | 3,698 |
| Noninterest income to average assets | 0.7125% | 2,115 |
| Noninterest expense to average assets | 2.6669% | 3,466 |
| Loan and lease loss provision to assets | 0.0807% | 2,745 |
| Net operating income to assets | 0.8847% | 2,908 |
| Return on assets (ROA) | 0.9022% | 2,926 |
| Pretax return on assets | 1.1502% | 2,894 |
| Return on Equity (ROE) | 7.9109% | 2,990 |
| Retained earnings to average equity (ytd only) | 4.6802% | 2,558 |
| Net charge-offs to loans | 0.1476% | 1,789 |
| Credit loss provision to net charge-offs | 112.5000% | 2,337 |
| Earnings coverage of net charge-offs (x) | 16.8393% | 2,086 |
| Efficiency ratio | 68.8161% | 3,103 |
| Assets per employee ($millions) | 5.1531% | 2,230 |
| Cash dividends to net income (ytd only)* | 40.8381% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 4,372 |
| Loan loss allowance to noncurrent loans | 13,050.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 3,809 |
| Noncurrent loans to loans | 0.0076% | 5,273 |
| Net loans and leases to total assets | 50.4839% | 4,728 |
| Net loans and leases to deposits | 57.8991% | 4,795 |
| Net loans and leases to core deposits | 59.4417% | 4,889 |
| Total domestic deposits to total assets | 87.1927% | 2,030 |
| Equity capital to assets | 11.1856% | 2,438 |
| Core capital (leverage) ratio | 11.2582% | 2,119 |
| Tier 1 risk-based capital ratio | 17.4829% | 2,011 |
| Total risk-based capital ratio | 18.2745% | 2,105 |
| Memoranda: | ||
| Average total assets | $156,059,800 | 3,436 |
| Average earning assets | $143,807,400 | 3,449 |
| Average equity | $17,798,200 | 3,434 |
| Average total loans | $75,873,800 | 3,904 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7164% | 4,197 |
| Cost of funding earning assets | 0.3222% | 3,841 |
| Net interest margin | 3.3942% | 3,865 |
| Noninterest income to average assets | 0.7117% | 2,122 |
| Noninterest expense to average assets | 2.5749% | 3,748 |
| Loan and lease loss provision to assets | 0.0358% | 3,529 |
| Net operating income to assets | 1.0279% | 2,305 |
| Return on assets (ROA) | 1.0527% | 2,316 |
| Pretax return on assets | 1.2734% | 2,531 |
| Return on Equity (ROE) | 9.1863% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.1863% | 760 |
| Net charge-offs to loans | 0.0515% | 2,633 |
| Credit loss provision to net charge-offs | 144.8276% | 1,817 |
| Earnings coverage of net charge-offs (x) | 51.7528% | 1,045 |
| Efficiency ratio | 66.8067% | 3,456 |
| Assets per employee ($millions) | 5.6731% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 4,318 |
| Loan loss allowance to noncurrent loans | 1,371.9298% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 3,862 |
| Noncurrent loans to loans | 0.0741% | 5,051 |
| Net loans and leases to total assets | 47.9181% | 4,963 |
| Net loans and leases to deposits | 55.4663% | 5,026 |
| Net loans and leases to core deposits | 56.9163% | 5,104 |
| Total domestic deposits to total assets | 86.3914% | 2,172 |
| Equity capital to assets | 11.7106% | 2,340 |
| Core capital (leverage) ratio | 11.4485% | 2,077 |
| Tier 1 risk-based capital ratio | 17.8208% | 1,968 |
| Total risk-based capital ratio | 18.6088% | 2,075 |
| Memoranda: | ||
| Average total assets | $156,426,750 | 3,449 |
| Average earning assets | $144,833,250 | 3,452 |
| Average equity | $17,924,750 | 3,445 |
| Average total loans | $75,135,500 | 3,950 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 4,119 |
| Cost of funding earning assets | 0.3268% | 3,826 |
| Net interest margin | 3.4259% | 3,773 |
| Noninterest income to average assets | 0.7030% | 2,130 |
| Noninterest expense to average assets | 2.6154% | 3,673 |
| Loan and lease loss provision to assets | 0.0231% | 3,665 |
| Net operating income to assets | 1.0519% | 2,160 |
| Return on assets (ROA) | 1.0796% | 2,171 |
| Pretax return on assets | 1.2492% | 2,602 |
| Return on Equity (ROE) | 9.4921% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.4921% | 718 |
| Net charge-offs to loans | 0.0778% | 2,081 |
| Credit loss provision to net charge-offs | 62.0690% | 2,556 |
| Earnings coverage of net charge-offs (x) | 33.2759% | 1,311 |
| Efficiency ratio | 67.8333% | 3,378 |
| Assets per employee ($millions) | 5.5368% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 4,454 |
| Loan loss allowance to noncurrent loans | 3,614.2857% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 3,982 |
| Noncurrent loans to loans | 0.0280% | 5,357 |
| Net loans and leases to total assets | 47.9623% | 4,998 |
| Net loans and leases to deposits | 55.7095% | 5,037 |
| Net loans and leases to core deposits | 57.1969% | 5,115 |
| Total domestic deposits to total assets | 86.0937% | 2,372 |
| Equity capital to assets | 11.8951% | 2,201 |
| Core capital (leverage) ratio | 10.9525% | 2,481 |
| Tier 1 risk-based capital ratio | 17.8720% | 1,969 |
| Total risk-based capital ratio | 18.6569% | 2,061 |
| Memoranda: | ||
| Average total assets | $155,619,670 | 3,476 |
| Average earning assets | $143,205,330 | 3,489 |
| Average equity | $17,699,000 | 3,485 |
| Average total loans | $74,547,670 | 3,985 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 4,306 |
| Cost of funding earning assets | 0.3228% | 3,914 |
| Net interest margin | 3.3810% | 3,933 |
| Noninterest income to average assets | 0.7132% | 1,974 |
| Noninterest expense to average assets | 2.4295% | 4,294 |
| Loan and lease loss provision to assets | 0.0077% | 3,582 |
| Net operating income to assets | 1.1235% | 1,820 |
| Return on assets (ROA) | 1.1776% | 1,726 |
| Pretax return on assets | 1.4598% | 1,720 |
| Return on Equity (ROE) | 10.5956% | 1,745 |
| Retained earnings to average equity (ytd only) | 10.5956% | 720 |
| Net charge-offs to loans | 0.0485% | 2,071 |
| Credit loss provision to net charge-offs | 33.3333% | 2,194 |
| Earnings coverage of net charge-offs (x) | 60.6667% | 775 |
| Efficiency ratio | 63.4293% | 4,229 |
| Assets per employee ($millions) | 5.7166% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 4,447 |
| Loan loss allowance to noncurrent loans | 1,156.0606% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 4,020 |
| Noncurrent loans to loans | 0.0891% | 5,116 |
| Net loans and leases to total assets | 45.8251% | 5,129 |
| Net loans and leases to deposits | 52.5735% | 5,190 |
| Net loans and leases to core deposits | 53.9061% | 5,260 |
| Total domestic deposits to total assets | 87.1640% | 2,122 |
| Equity capital to assets | 11.0099% | 2,926 |
| Core capital (leverage) ratio | 10.5811% | 2,872 |
| Tier 1 risk-based capital ratio | 17.3864% | 2,156 |
| Total risk-based capital ratio | 18.1726% | 2,265 |
| Memoranda: | ||
| Average total assets | $155,914,500 | 3,494 |
| Average earning assets | $143,745,000 | 3,499 |
| Average equity | $17,328,000 | 3,539 |
| Average total loans | $74,264,000 | 4,014 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 3,728 |
| Cost of funding earning assets | 0.3336% | 3,865 |
| Net interest margin | 3.5597% | 3,283 |
| Noninterest income to average assets | 0.7305% | 2,062 |
| Noninterest expense to average assets | 2.8396% | 3,074 |
| Loan and lease loss provision to assets | 0.0718% | 2,835 |
| Net operating income to assets | 0.8996% | 2,871 |
| Return on assets (ROA) | 0.9063% | 2,916 |
| Pretax return on assets | 1.0982% | 3,073 |
| Return on Equity (ROE) | 8.0015% | 2,956 |
| Retained earnings to average equity (ytd only) | 4.5960% | 2,710 |
| Net charge-offs to loans | 0.0756% | 2,745 |
| Credit loss provision to net charge-offs | 191.0714% | 1,447 |
| Earnings coverage of net charge-offs (x) | 30.9286% | 1,424 |
| Efficiency ratio | 70.9640% | 3,077 |
| Assets per employee ($millions) | 5.4201% | 1,887 |
| Cash dividends to net income (ytd only)* | 42.5611% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 4,414 |
| Loan loss allowance to noncurrent loans | 2,750.0000% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 4,042 |
| Noncurrent loans to loans | 0.0376% | 5,372 |
| Net loans and leases to total assets | 48.5260% | 4,973 |
| Net loans and leases to deposits | 55.7608% | 5,064 |
| Net loans and leases to core deposits | 57.2560% | 5,143 |
| Total domestic deposits to total assets | 87.0252% | 2,116 |
| Equity capital to assets | 11.2233% | 2,617 |
| Core capital (leverage) ratio | 10.9096% | 2,484 |
| Tier 1 risk-based capital ratio | 17.3089% | 2,179 |
| Total risk-based capital ratio | 18.1213% | 2,282 |
| Memoranda: | ||
| Average total assets | $149,068,200 | 3,582 |
| Average earning assets | $136,977,800 | 3,578 |
| Average equity | $16,884,400 | 3,543 |
| Average total loans | $74,110,000 | 3,995 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 3,615 |
| Cost of funding earning assets | 0.3195% | 4,112 |
| Net interest margin | 3.6141% | 3,100 |
| Noninterest income to average assets | 0.7538% | 2,008 |
| Noninterest expense to average assets | 2.7718% | 3,300 |
| Loan and lease loss provision to assets | 0.0602% | 2,977 |
| Net operating income to assets | 1.0330% | 2,314 |
| Return on assets (ROA) | 1.0404% | 2,367 |
| Pretax return on assets | 1.2543% | 2,581 |
| Return on Equity (ROE) | 9.1645% | 2,487 |
| Retained earnings to average equity (ytd only) | 9.1645% | 846 |
| Net charge-offs to loans | 0.0288% | 3,363 |
| Credit loss provision to net charge-offs | 418.7500% | 733 |
| Earnings coverage of net charge-offs (x) | 90.8242% | 681 |
| Efficiency ratio | 67.9815% | 3,544 |
| Assets per employee ($millions) | 5.1846% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 4,587 |
| Loan loss allowance to noncurrent loans | 607.0866% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 3,980 |
| Noncurrent loans to loans | 0.1696% | 4,975 |
| Net loans and leases to total assets | 49.2900% | 4,986 |
| Net loans and leases to deposits | 56.9167% | 5,078 |
| Net loans and leases to core deposits | 58.2352% | 5,176 |
| Total domestic deposits to total assets | 86.6002% | 2,236 |
| Equity capital to assets | 11.5681% | 2,444 |
| Core capital (leverage) ratio | 11.3221% | 2,173 |
| Tier 1 risk-based capital ratio | 17.4492% | 2,205 |
| Total risk-based capital ratio | 18.2511% | 2,325 |
| Memoranda: | ||
| Average total assets | $148,394,250 | 3,624 |
| Average earning assets | $136,460,500 | 3,619 |
| Average equity | $16,847,250 | 3,579 |
| Average total loans | $74,033,750 | 4,032 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 3,559 |
| Cost of funding earning assets | 0.3221% | 4,129 |
| Net interest margin | 3.6110% | 3,041 |
| Noninterest income to average assets | 0.7297% | 2,094 |
| Noninterest expense to average assets | 2.7927% | 3,258 |
| Loan and lease loss provision to assets | 0.0501% | 3,116 |
| Net operating income to assets | 1.0227% | 2,279 |
| Return on assets (ROA) | 1.0342% | 2,325 |
| Pretax return on assets | 1.2238% | 2,683 |
| Return on Equity (ROE) | 9.1687% | 2,448 |
| Retained earnings to average equity (ytd only) | 9.1687% | 872 |
| Net charge-offs to loans | -0.0054% | 4,758 |
| Credit loss provision to net charge-offs | -1,850.0000% | 5,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9045% | 3,509 |
| Assets per employee ($millions) | 5.2536% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 4,743 |
| Loan loss allowance to noncurrent loans | 676.7857% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 4,112 |
| Noncurrent loans to loans | 0.1513% | 5,142 |
| Net loans and leases to total assets | 49.8158% | 4,950 |
| Net loans and leases to deposits | 57.3831% | 5,033 |
| Net loans and leases to core deposits | 58.8566% | 5,142 |
| Total domestic deposits to total assets | 86.8126% | 2,263 |
| Equity capital to assets | 11.4363% | 2,470 |
| Core capital (leverage) ratio | 10.9697% | 2,457 |
| Tier 1 risk-based capital ratio | 17.0615% | 2,380 |
| Total risk-based capital ratio | 17.8514% | 2,521 |
| Memoranda: | ||
| Average total assets | $147,741,330 | 3,658 |
| Average earning assets | $135,972,330 | 3,663 |
| Average equity | $16,665,330 | 3,614 |
| Average total loans | $73,751,670 | 4,064 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9043% | 3,586 |
| Cost of funding earning assets | 0.3259% | 4,154 |
| Net interest margin | 3.5785% | 3,086 |
| Noninterest income to average assets | 0.7375% | 1,977 |
| Noninterest expense to average assets | 2.5692% | 4,034 |
| Loan and lease loss provision to assets | 0.0324% | 3,240 |
| Net operating income to assets | 1.1384% | 1,729 |
| Return on assets (ROA) | 1.1428% | 1,828 |
| Pretax return on assets | 1.4345% | 1,758 |
| Return on Equity (ROE) | 10.2011% | 1,913 |
| Retained earnings to average equity (ytd only) | 10.2011% | 872 |
| Net charge-offs to loans | -0.0272% | 5,190 |
| Credit loss provision to net charge-offs | -240.0000% | 4,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7399% | 4,517 |
| Assets per employee ($millions) | 5.0751% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 5,011 |
| Loan loss allowance to noncurrent loans | 368.0000% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 4,030 |
| Noncurrent loans to loans | 0.2722% | 4,804 |
| Net loans and leases to total assets | 47.7679% | 5,058 |
| Net loans and leases to deposits | 54.8319% | 5,139 |
| Net loans and leases to core deposits | 56.1697% | 5,244 |
| Total domestic deposits to total assets | 87.1168% | 2,311 |
| Equity capital to assets | 11.1183% | 2,847 |
| Core capital (leverage) ratio | 10.6508% | 2,789 |
| Tier 1 risk-based capital ratio | 16.5283% | 2,669 |
| Total risk-based capital ratio | 17.2885% | 2,839 |
| Memoranda: | ||
| Average total assets | $148,061,000 | 3,684 |
| Average earning assets | $136,258,500 | 3,681 |
| Average equity | $16,586,500 | 3,653 |
| Average total loans | $73,608,500 | 4,089 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 4,079 |
| Cost of funding earning assets | 0.3501% | 4,254 |
| Net interest margin | 3.5638% | 3,545 |
| Noninterest income to average assets | 0.7766% | 1,965 |
| Noninterest expense to average assets | 2.8479% | 3,314 |
| Loan and lease loss provision to assets | 0.0157% | 4,292 |
| Net operating income to assets | 0.9065% | 2,840 |
| Return on assets (ROA) | 0.9086% | 2,922 |
| Pretax return on assets | 1.1999% | 2,653 |
| Return on Equity (ROE) | 8.0081% | 3,133 |
| Retained earnings to average equity (ytd only) | 4.5482% | 2,935 |
| Net charge-offs to loans | 0.0375% | 4,085 |
| Credit loss provision to net charge-offs | 84.6154% | 2,772 |
| Earnings coverage of net charge-offs (x) | 65.3462% | 743 |
| Efficiency ratio | 70.1353% | 3,508 |
| Assets per employee ($millions) | 4.7956% | 2,598 |
| Cash dividends to net income (ytd only)* | 43.2050% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 5,178 |
| Loan loss allowance to noncurrent loans | 971.6216% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 4,387 |
| Noncurrent loans to loans | 0.1003% | 5,494 |
| Net loans and leases to total assets | 50.7642% | 4,889 |
| Net loans and leases to deposits | 58.3106% | 5,045 |
| Net loans and leases to core deposits | 59.4517% | 5,177 |
| Total domestic deposits to total assets | 87.0584% | 2,247 |
| Equity capital to assets | 11.2915% | 2,608 |
| Core capital (leverage) ratio | 11.0759% | 2,337 |
| Tier 1 risk-based capital ratio | 16.4374% | 2,740 |
| Total risk-based capital ratio | 17.1965% | 2,935 |
| Memoranda: | ||
| Average total assets | $140,100,800 | 3,801 |
| Average earning assets | $129,105,000 | 3,786 |
| Average equity | $15,896,400 | 3,683 |
| Average total loans | $69,385,800 | 4,202 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 4,240 |
| Cost of funding earning assets | 0.3542% | 4,299 |
| Net interest margin | 3.5256% | 3,732 |
| Noninterest income to average assets | 0.7876% | 1,937 |
| Noninterest expense to average assets | 2.6626% | 3,974 |
| Loan and lease loss provision to assets | 0.0211% | 3,982 |
| Net operating income to assets | 0.9921% | 2,484 |
| Return on assets (ROA) | 0.9907% | 2,558 |
| Pretax return on assets | 1.3538% | 2,177 |
| Return on Equity (ROE) | 8.7204% | 2,823 |
| Retained earnings to average equity (ytd only) | 8.7204% | 1,087 |
| Net charge-offs to loans | 0.0469% | 3,561 |
| Credit loss provision to net charge-offs | 91.6667% | 2,402 |
| Earnings coverage of net charge-offs (x) | 59.8734% | 863 |
| Efficiency ratio | 65.9156% | 4,225 |
| Assets per employee ($millions) | 4.6425% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 5,020 |
| Loan loss allowance to noncurrent loans | 487.1622% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 4,401 |
| Noncurrent loans to loans | 0.2143% | 5,262 |
| Net loans and leases to total assets | 49.0687% | 5,105 |
| Net loans and leases to deposits | 56.8222% | 5,187 |
| Net loans and leases to core deposits | 57.4933% | 5,361 |
| Total domestic deposits to total assets | 86.3550% | 2,670 |
| Equity capital to assets | 11.8651% | 2,182 |
| Core capital (leverage) ratio | 11.3197% | 2,200 |
| Tier 1 risk-based capital ratio | 18.0541% | 2,198 |
| Total risk-based capital ratio | 18.8743% | 2,307 |
| Memoranda: | ||
| Average total assets | $139,158,750 | 3,843 |
| Average earning assets | $128,353,250 | 3,828 |
| Average equity | $15,809,250 | 3,715 |
| Average total loans | $68,294,000 | 4,263 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8957% | 4,149 |
| Cost of funding earning assets | 0.3605% | 4,314 |
| Net interest margin | 3.5352% | 3,633 |
| Noninterest income to average assets | 0.8079% | 1,807 |
| Noninterest expense to average assets | 2.5690% | 4,351 |
| Loan and lease loss provision to assets | 0.0316% | 3,650 |
| Net operating income to assets | 1.0342% | 2,186 |
| Return on assets (ROA) | 1.0322% | 2,258 |
| Pretax return on assets | 1.4606% | 1,672 |
| Return on Equity (ROE) | 9.2225% | 2,495 |
| Retained earnings to average equity (ytd only) | 9.2225% | 912 |
| Net charge-offs to loans | 0.0647% | 3,066 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 47.2727% | 947 |
| Efficiency ratio | 63.2119% | 4,816 |
| Assets per employee ($millions) | 4.6639% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 4,977 |
| Loan loss allowance to noncurrent loans | 1,763.4146% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 4,756 |
| Noncurrent loans to loans | 0.0614% | 5,844 |
| Net loans and leases to total assets | 47.2098% | 5,243 |
| Net loans and leases to deposits | 54.4053% | 5,324 |
| Net loans and leases to core deposits | 55.0418% | 5,479 |
| Total domestic deposits to total assets | 86.7742% | 2,593 |
| Equity capital to assets | 11.5298% | 2,395 |
| Core capital (leverage) ratio | 11.0845% | 2,347 |
| Tier 1 risk-based capital ratio | 18.0674% | 2,220 |
| Total risk-based capital ratio | 18.9077% | 2,339 |
| Memoranda: | ||
| Average total assets | $139,120,330 | 3,863 |
| Average earning assets | $128,140,330 | 3,849 |
| Average equity | $15,570,670 | 3,759 |
| Average total loans | $68,038,330 | 4,293 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8177% | 4,413 |
| Cost of funding earning assets | 0.3658% | 4,370 |
| Net interest margin | 3.4519% | 3,893 |
| Noninterest income to average assets | 0.7843% | 1,823 |
| Noninterest expense to average assets | 2.3644% | 5,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1620% | 1,588 |
| Return on assets (ROA) | 1.1620% | 1,659 |
| Pretax return on assets | 1.6032% | 1,164 |
| Return on Equity (ROE) | 10.5428% | 1,849 |
| Retained earnings to average equity (ytd only) | 10.5428% | 829 |
| Net charge-offs to loans | -0.0058% | 4,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5930% | 5,454 |
| Assets per employee ($millions) | 5.0867% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 5,295 |
| Loan loss allowance to noncurrent loans | 1,419.6078% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 4,888 |
| Noncurrent loans to loans | 0.0743% | 5,917 |
| Net loans and leases to total assets | 47.6683% | 5,170 |
| Net loans and leases to deposits | 54.4791% | 5,238 |
| Net loans and leases to core deposits | 55.2317% | 5,420 |
| Total domestic deposits to total assets | 87.4982% | 2,511 |
| Equity capital to assets | 10.9775% | 2,735 |
| Core capital (leverage) ratio | 10.7157% | 2,685 |
| Tier 1 risk-based capital ratio | 17.2566% | 2,569 |
| Total risk-based capital ratio | 18.0775% | 2,726 |
| Memoranda: | ||
| Average total assets | $138,722,500 | 3,902 |
| Average earning assets | $127,930,500 | 3,893 |
| Average equity | $15,290,000 | 3,810 |
| Average total loans | $68,669,000 | 4,311 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9229% | 4,374 |
| Cost of funding earning assets | 0.3860% | 4,792 |
| Net interest margin | 3.5369% | 3,735 |
| Noninterest income to average assets | 0.7764% | 2,179 |
| Noninterest expense to average assets | 2.7804% | 3,795 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8843% | 2,858 |
| Return on assets (ROA) | 0.8896% | 2,926 |
| Pretax return on assets | 1.2556% | 2,336 |
| Return on Equity (ROE) | 7.9195% | 3,068 |
| Retained earnings to average equity (ytd only) | 4.6279% | 2,864 |
| Net charge-offs to loans | 0.5483% | 1,210 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.5376% | 3,537 |
| Efficiency ratio | 69.0162% | 4,012 |
| Assets per employee ($millions) | 4.6558% | 2,649 |
| Cash dividends to net income (ytd only)* | 41.5628% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 5,337 |
| Loan loss allowance to noncurrent loans | 1,902.6316% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 4,960 |
| Noncurrent loans to loans | 0.0553% | 6,066 |
| Net loans and leases to total assets | 50.3625% | 5,043 |
| Net loans and leases to deposits | 57.5440% | 5,161 |
| Net loans and leases to core deposits | 58.2329% | 5,376 |
| Total domestic deposits to total assets | 87.5201% | 2,466 |
| Equity capital to assets | 11.0690% | 2,551 |
| Core capital (leverage) ratio | 11.1297% | 2,255 |
| Tier 1 risk-based capital ratio | 17.1151% | 2,557 |
| Total risk-based capital ratio | 17.9509% | 2,714 |
| Memoranda: | ||
| Average total assets | $135,231,800 | 3,976 |
| Average earning assets | $124,346,400 | 3,963 |
| Average equity | $15,190,400 | 3,830 |
| Average total loans | $67,842,200 | 4,345 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 4,545 |
| Cost of funding earning assets | 0.3882% | 4,919 |
| Net interest margin | 3.5009% | 3,879 |
| Noninterest income to average assets | 0.7884% | 2,207 |
| Noninterest expense to average assets | 2.6590% | 4,162 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9633% | 2,529 |
| Return on assets (ROA) | 0.9668% | 2,615 |
| Pretax return on assets | 1.3522% | 2,115 |
| Return on Equity (ROE) | 8.5759% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.5759% | 1,206 |
| Net charge-offs to loans | 0.0592% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 45.5655% | 923 |
| Efficiency ratio | 66.3715% | 4,415 |
| Assets per employee ($millions) | 4.7964% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 3,123 |
| Loan loss allowance to noncurrent loans | 288.6179% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.6791% | 4,417 |
| Noncurrent loans to loans | 0.5456% | 4,832 |
| Net loans and leases to total assets | 49.5618% | 5,186 |
| Net loans and leases to deposits | 56.8834% | 5,293 |
| Net loans and leases to core deposits | 57.5712% | 5,484 |
| Total domestic deposits to total assets | 87.1287% | 2,619 |
| Equity capital to assets | 11.3984% | 2,384 |
| Core capital (leverage) ratio | 11.2089% | 2,293 |
| Tier 1 risk-based capital ratio | 17.5011% | 2,510 |
| Total risk-based capital ratio | 18.7374% | 2,482 |
| Memoranda: | ||
| Average total assets | $135,285,500 | 4,007 |
| Average earning assets | $124,345,750 | 3,996 |
| Average equity | $15,251,750 | 3,866 |
| Average total loans | $67,622,500 | 4,385 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 4,461 |
| Cost of funding earning assets | 0.3900% | 5,031 |
| Net interest margin | 3.5134% | 3,724 |
| Noninterest income to average assets | 0.7728% | 2,312 |
| Noninterest expense to average assets | 2.5971% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9984% | 2,332 |
| Return on assets (ROA) | 0.9984% | 2,473 |
| Pretax return on assets | 1.4040% | 1,917 |
| Return on Equity (ROE) | 8.8886% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.8886% | 1,167 |
| Net charge-offs to loans | 0.0503% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 739 |
| Efficiency ratio | 64.9097% | 4,722 |
| Assets per employee ($millions) | 4.6201% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 3,160 |
| Loan loss allowance to noncurrent loans | 303.6620% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 4,541 |
| Noncurrent loans to loans | 0.5272% | 4,944 |
| Net loans and leases to total assets | 49.4559% | 5,166 |
| Net loans and leases to deposits | 56.7822% | 5,267 |
| Net loans and leases to core deposits | 57.4707% | 5,470 |
| Total domestic deposits to total assets | 87.0975% | 2,757 |
| Equity capital to assets | 11.3635% | 2,412 |
| Core capital (leverage) ratio | 10.7797% | 2,584 |
| Tier 1 risk-based capital ratio | 17.2262% | 2,628 |
| Total risk-based capital ratio | 18.4760% | 2,600 |
| Memoranda: | ||
| Average total assets | $135,614,330 | 4,034 |
| Average earning assets | $124,609,330 | 4,022 |
| Average equity | $15,233,000 | 3,903 |
| Average total loans | $67,621,330 | 4,392 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 4,401 |
| Cost of funding earning assets | 0.3794% | 5,292 |
| Net interest margin | 3.5423% | 3,509 |
| Noninterest income to average assets | 0.7975% | 2,133 |
| Noninterest expense to average assets | 2.4892% | 4,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1112% | 1,811 |
| Return on assets (ROA) | 1.1112% | 1,923 |
| Pretax return on assets | 1.5656% | 1,392 |
| Return on Equity (ROE) | 9.9495% | 2,081 |
| Retained earnings to average equity (ytd only) | 9.9495% | 1,116 |
| Net charge-offs to loans | 0.0118% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 145 |
| Efficiency ratio | 61.3883% | 5,395 |
| Assets per employee ($millions) | 5.1539% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 3,342 |
| Loan loss allowance to noncurrent loans | 1,707.8125% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 5,292 |
| Noncurrent loans to loans | 0.0944% | 6,197 |
| Net loans and leases to total assets | 47.9196% | 5,236 |
| Net loans and leases to deposits | 54.8818% | 5,362 |
| Net loans and leases to core deposits | 55.3905% | 5,569 |
| Total domestic deposits to total assets | 87.3142% | 2,747 |
| Equity capital to assets | 11.0602% | 2,890 |
| Core capital (leverage) ratio | 10.3354% | 2,988 |
| Tier 1 risk-based capital ratio | 16.8220% | 2,847 |
| Total risk-based capital ratio | 18.0720% | 2,814 |
| Memoranda: | ||
| Average total assets | $136,430,500 | 4,054 |
| Average earning assets | $125,455,000 | 4,036 |
| Average equity | $15,237,000 | 3,948 |
| Average total loans | $67,762,000 | 4,430 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 4,810 |
| Cost of funding earning assets | 0.5078% | 5,162 |
| Net interest margin | 3.6304% | 3,964 |
| Noninterest income to average assets | 0.8307% | 2,124 |
| Noninterest expense to average assets | 2.9262% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8815% | 2,907 |
| Return on assets (ROA) | 0.8870% | 3,120 |
| Pretax return on assets | 1.2320% | 2,669 |
| Return on Equity (ROE) | 7.8405% | 3,159 |
| Retained earnings to average equity (ytd only) | 4.7567% | 2,878 |
| Net charge-offs to loans | 0.0196% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 123.9231% | 323 |
| Efficiency ratio | 70.4999% | 3,715 |
| Assets per employee ($millions) | 4.9520% | 2,293 |
| Cash dividends to net income (ytd only)* | 39.3316% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 3,234 |
| Loan loss allowance to noncurrent loans | 2,670.7317% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 5,286 |
| Noncurrent loans to loans | 0.0605% | 6,337 |
| Net loans and leases to total assets | 49.8508% | 5,188 |
| Net loans and leases to deposits | 57.2148% | 5,320 |
| Net loans and leases to core deposits | 57.7677% | 5,571 |
| Total domestic deposits to total assets | 87.1291% | 2,758 |
| Equity capital to assets | 11.2808% | 2,649 |
| Core capital (leverage) ratio | 10.8060% | 2,436 |
| Tier 1 risk-based capital ratio | 16.9589% | 2,677 |
| Total risk-based capital ratio | 18.2092% | 2,635 |
| Memoranda: | ||
| Average total assets | $131,569,600 | 4,115 |
| Average earning assets | $120,317,400 | 4,105 |
| Average equity | $14,884,200 | 3,990 |
| Average total loans | $66,282,400 | 4,490 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 5,059 |
| Cost of funding earning assets | 0.5428% | 5,147 |
| Net interest margin | 3.5924% | 4,268 |
| Noninterest income to average assets | 0.8445% | 2,060 |
| Noninterest expense to average assets | 2.7615% | 4,124 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9878% | 2,570 |
| Return on assets (ROA) | 0.9951% | 2,758 |
| Pretax return on assets | 1.3797% | 2,305 |
| Return on Equity (ROE) | 8.7901% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.3407% | 1,468 |
| Net charge-offs to loans | 0.0121% | 5,537 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 224.3275% | 199 |
| Efficiency ratio | 66.8473% | 4,279 |
| Assets per employee ($millions) | 4.2165% | 3,432 |
| Cash dividends to net income (ytd only)* | 5.1128% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 3,399 |
| Loan loss allowance to noncurrent loans | 5,247.6190% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 5,498 |
| Noncurrent loans to loans | 0.0311% | 6,543 |
| Net loans and leases to total assets | 50.7773% | 5,215 |
| Net loans and leases to deposits | 58.7410% | 5,350 |
| Net loans and leases to core deposits | 59.3264% | 5,623 |
| Total domestic deposits to total assets | 86.4427% | 3,018 |
| Equity capital to assets | 11.7870% | 2,445 |
| Core capital (leverage) ratio | 10.9084% | 2,478 |
| Tier 1 risk-based capital ratio | 17.0668% | 2,708 |
| Total risk-based capital ratio | 18.3174% | 2,656 |
| Memoranda: | ||
| Average total assets | $131,035,750 | 4,157 |
| Average earning assets | $119,878,250 | 4,153 |
| Average equity | $14,834,500 | 4,042 |
| Average total loans | $65,916,000 | 4,552 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 5,248 |
| Cost of funding earning assets | 0.5772% | 5,099 |
| Net interest margin | 3.5415% | 4,502 |
| Noninterest income to average assets | 0.8342% | 2,033 |
| Noninterest expense to average assets | 2.7100% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9715% | 2,580 |
| Return on assets (ROA) | 0.9715% | 2,820 |
| Pretax return on assets | 1.3710% | 2,320 |
| Return on Equity (ROE) | 8.7000% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.0171% | 1,632 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4051% | 4,459 |
| Assets per employee ($millions) | 4.1412% | 3,586 |
| Cash dividends to net income (ytd only)* | 7.8493% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 3,442 |
| Loan loss allowance to noncurrent loans | 1,216.4835% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.4784% | 5,565 |
| Noncurrent loans to loans | 0.1352% | 6,320 |
| Net loans and leases to total assets | 49.9426% | 5,362 |
| Net loans and leases to deposits | 57.3883% | 5,516 |
| Net loans and leases to core deposits | 58.2833% | 5,754 |
| Total domestic deposits to total assets | 87.0259% | 2,750 |
| Equity capital to assets | 11.2966% | 2,795 |
| Core capital (leverage) ratio | 10.5033% | 2,795 |
| Tier 1 risk-based capital ratio | 16.6723% | 2,820 |
| Total risk-based capital ratio | 17.9234% | 2,771 |
| Memoranda: | ||
| Average total assets | $131,143,670 | 4,183 |
| Average earning assets | $120,231,000 | 4,167 |
| Average equity | $14,643,670 | 4,065 |
| Average total loans | $65,396,670 | 4,589 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 5,331 |
| Cost of funding earning assets | 0.6007% | 5,119 |
| Net interest margin | 3.5375% | 4,535 |
| Noninterest income to average assets | 0.8309% | 2,029 |
| Noninterest expense to average assets | 2.5725% | 4,913 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0548% | 2,267 |
| Return on assets (ROA) | 1.0548% | 2,460 |
| Pretax return on assets | 1.5085% | 1,849 |
| Return on Equity (ROE) | 9.5024% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.1213% | 1,941 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0353% | 5,098 |
| Assets per employee ($millions) | 4.6739% | 2,705 |
| Cash dividends to net income (ytd only)* | 14.5349% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 3,331 |
| Loan loss allowance to noncurrent loans | 1,516.4384% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 5,718 |
| Noncurrent loans to loans | 0.1125% | 6,475 |
| Net loans and leases to total assets | 47.0754% | 5,677 |
| Net loans and leases to deposits | 53.7462% | 5,832 |
| Net loans and leases to core deposits | 54.5573% | 6,019 |
| Total domestic deposits to total assets | 87.5883% | 2,596 |
| Equity capital to assets | 10.7989% | 3,148 |
| Core capital (leverage) ratio | 10.3164% | 2,976 |
| Tier 1 risk-based capital ratio | 16.7627% | 2,777 |
| Total risk-based capital ratio | 18.0141% | 2,735 |
| Memoranda: | ||
| Average total assets | $130,456,500 | 4,219 |
| Average earning assets | $119,859,000 | 4,200 |
| Average equity | $14,480,500 | 4,105 |
| Average total loans | $64,450,000 | 4,645 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 5,075 |
| Cost of funding earning assets | 0.7338% | 5,320 |
| Net interest margin | 3.7656% | 4,000 |
| Noninterest income to average assets | 0.8535% | 1,830 |
| Noninterest expense to average assets | 3.0954% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8476% | 2,834 |
| Return on assets (ROA) | 0.8764% | 2,846 |
| Pretax return on assets | 1.2245% | 2,372 |
| Return on Equity (ROE) | 7.7336% | 3,038 |
| Retained earnings to average equity (ytd only) | 5.0358% | 2,613 |
| Net charge-offs to loans | 0.0047% | 6,376 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 484.3333% | 69 |
| Efficiency ratio | 72.3238% | 3,512 |
| Assets per employee ($millions) | 4.6434% | 2,697 |
| Cash dividends to net income (ytd only)* | 34.8837% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 3,091 |
| Loan loss allowance to noncurrent loans | 1,677.2727% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 5,757 |
| Noncurrent loans to loans | 0.1031% | 6,556 |
| Net loans and leases to total assets | 50.1543% | 5,560 |
| Net loans and leases to deposits | 57.6776% | 5,731 |
| Net loans and leases to core deposits | 58.6213% | 5,961 |
| Total domestic deposits to total assets | 86.9563% | 2,791 |
| Equity capital to assets | 11.4253% | 2,569 |
| Core capital (leverage) ratio | 10.7960% | 2,438 |
| Tier 1 risk-based capital ratio | 16.9920% | 2,611 |
| Total risk-based capital ratio | 18.2436% | 2,562 |
| Memoranda: | ||
| Average total assets | $122,667,000 | 4,329 |
| Average earning assets | $111,614,200 | 4,351 |
| Average equity | $13,900,400 | 4,128 |
| Average total loans | $63,184,400 | 4,742 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 5,095 |
| Cost of funding earning assets | 0.7587% | 5,411 |
| Net interest margin | 3.7886% | 3,935 |
| Noninterest income to average assets | 0.8711% | 1,751 |
| Noninterest expense to average assets | 2.9236% | 3,824 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9965% | 2,337 |
| Return on assets (ROA) | 1.0350% | 2,352 |
| Pretax return on assets | 1.4449% | 1,801 |
| Return on Equity (ROE) | 9.1532% | 2,527 |
| Retained earnings to average equity (ytd only) | 9.1532% | 1,090 |
| Net charge-offs to loans | 0.0021% | 6,170 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1,276.1579% | 13 |
| Efficiency ratio | 67.7558% | 4,362 |
| Assets per employee ($millions) | 4.3986% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7308% | 3,166 |
| Loan loss allowance to noncurrent loans | 5,842.1053% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 5,950 |
| Noncurrent loans to loans | 0.0296% | 6,864 |
| Net loans and leases to total assets | 51.1696% | 5,559 |
| Net loans and leases to deposits | 59.1908% | 5,733 |
| Net loans and leases to core deposits | 60.3557% | 5,959 |
| Total domestic deposits to total assets | 86.4486% | 2,959 |
| Equity capital to assets | 11.7911% | 2,417 |
| Core capital (leverage) ratio | 11.3031% | 2,157 |
| Tier 1 risk-based capital ratio | 17.2016% | 2,563 |
| Total risk-based capital ratio | 18.4530% | 2,527 |
| Memoranda: | ||
| Average total assets | $121,991,000 | 4,362 |
| Average earning assets | $110,890,500 | 4,394 |
| Average equity | $13,794,500 | 4,167 |
| Average total loans | $62,984,000 | 4,798 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 5,264 |
| Cost of funding earning assets | 0.7845% | 5,481 |
| Net interest margin | 3.7456% | 4,054 |
| Noninterest income to average assets | 0.8832% | 1,702 |
| Noninterest expense to average assets | 2.8437% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0400% | 2,064 |
| Return on assets (ROA) | 1.0937% | 1,981 |
| Pretax return on assets | 1.5312% | 1,431 |
| Return on Equity (ROE) | 9.8140% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.8140% | 893 |
| Net charge-offs to loans | 0.0032% | 5,840 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 885.0000% | 29 |
| Efficiency ratio | 66.1438% | 4,847 |
| Assets per employee ($millions) | 4.3198% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7378% | 3,195 |
| Loan loss allowance to noncurrent loans | 37,000.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 6,021 |
| Noncurrent loans to loans | 0.0047% | 7,008 |
| Net loans and leases to total assets | 51.8916% | 5,577 |
| Net loans and leases to deposits | 59.8543% | 5,739 |
| Net loans and leases to core deposits | 60.8707% | 6,015 |
| Total domestic deposits to total assets | 86.6966% | 2,929 |
| Equity capital to assets | 11.6416% | 2,370 |
| Core capital (leverage) ratio | 10.8055% | 2,416 |
| Tier 1 risk-based capital ratio | 17.3290% | 2,399 |
| Total risk-based capital ratio | 18.5811% | 2,374 |
| Memoranda: | ||
| Average total assets | $121,601,000 | 4,402 |
| Average earning assets | $110,904,670 | 4,416 |
| Average equity | $13,552,000 | 4,212 |
| Average total loans | $62,601,670 | 4,849 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 5,204 |
| Cost of funding earning assets | 0.8062% | 5,545 |
| Net interest margin | 3.7334% | 3,930 |
| Noninterest income to average assets | 0.8760% | 1,745 |
| Noninterest expense to average assets | 2.7197% | 4,756 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1133% | 1,795 |
| Return on assets (ROA) | 1.2204% | 1,532 |
| Pretax return on assets | 1.7257% | 939 |
| Return on Equity (ROE) | 11.1985% | 1,681 |
| Retained earnings to average equity (ytd only) | 11.1985% | 866 |
| Net charge-offs to loans | 0.0065% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 480.0000% | 49 |
| Efficiency ratio | 63.3308% | 5,469 |
| Assets per employee ($millions) | 4.3228% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 3,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 49.1612% | 5,942 |
| Net loans and leases to deposits | 56.0024% | 6,123 |
| Net loans and leases to core deposits | 57.1889% | 6,327 |
| Total domestic deposits to total assets | 87.7841% | 2,497 |
| Equity capital to assets | 10.7577% | 2,917 |
| Core capital (leverage) ratio | 10.3896% | 2,715 |
| Tier 1 risk-based capital ratio | 17.4232% | 2,332 |
| Total risk-based capital ratio | 18.6757% | 2,297 |
| Memoranda: | ||
| Average total assets | $121,924,500 | 4,420 |
| Average earning assets | $111,640,500 | 4,413 |
| Average equity | $13,287,500 | 4,272 |
| Average total loans | $61,965,000 | 4,906 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7099% | 5,773 |
| Cost of funding earning assets | 1.0796% | 5,257 |
| Net interest margin | 3.6302% | 4,669 |
| Noninterest income to average assets | 0.9755% | 1,586 |
| Noninterest expense to average assets | 3.0110% | 3,806 |
| Loan and lease loss provision to assets | 0.0439% | 6,722 |
| Net operating income to assets | 0.8144% | 2,737 |
| Return on assets (ROA) | 0.8144% | 2,869 |
| Pretax return on assets | 1.2297% | 2,141 |
| Return on Equity (ROE) | 7.4108% | 2,930 |
| Retained earnings to average equity (ytd only) | 4.7367% | 2,586 |
| Net charge-offs to loans | 0.0832% | 5,999 |
| Credit loss provision to net charge-offs | 104.0816% | 4,317 |
| Earnings coverage of net charge-offs (x) | 30.1633% | 733 |
| Efficiency ratio | 70.2735% | 4,121 |
| Assets per employee ($millions) | 3.4849% | 4,967 |
| Cash dividends to net income (ytd only)* | 36.0847% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 2,814 |
| Loan loss allowance to noncurrent loans | 22,220.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 7,260 |
| Noncurrent loans to loans | 0.0082% | 7,144 |
| Net loans and leases to total assets | 50.7056% | 6,080 |
| Net loans and leases to deposits | 57.8750% | 6,269 |
| Net loans and leases to core deposits | 59.1740% | 6,461 |
| Total domestic deposits to total assets | 87.6122% | 2,473 |
| Equity capital to assets | 11.0467% | 2,644 |
| Core capital (leverage) ratio | 10.7114% | 2,375 |
| Tier 1 risk-based capital ratio | 17.1271% | 2,302 |
| Total risk-based capital ratio | 18.3797% | 2,267 |
| Memoranda: | ||
| Average total assets | $116,042,600 | 4,575 |
| Average earning assets | $105,778,000 | 4,570 |
| Average equity | $12,751,600 | 4,409 |
| Average total loans | $58,871,400 | 5,115 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 6,073 |
| Cost of funding earning assets | 1.1442% | 5,182 |
| Net interest margin | 3.5429% | 5,130 |
| Noninterest income to average assets | 0.9795% | 1,527 |
| Noninterest expense to average assets | 2.8114% | 4,438 |
| Loan and lease loss provision to assets | 0.0069% | 6,949 |
| Net operating income to assets | 0.9448% | 2,434 |
| Return on assets (ROA) | 0.9448% | 2,565 |
| Pretax return on assets | 1.3907% | 1,903 |
| Return on Equity (ROE) | 8.6099% | 2,644 |
| Retained earnings to average equity (ytd only) | 8.6099% | 1,197 |
| Net charge-offs to loans | 0.0297% | 6,265 |
| Credit loss provision to net charge-offs | 46.1538% | 5,942 |
| Earnings coverage of net charge-offs (x) | 93.0923% | 332 |
| Efficiency ratio | 66.7947% | 4,697 |
| Assets per employee ($millions) | 4.2958% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8088% | 2,756 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 6,394 |
| Noncurrent loans to loans | 0.0312% | 7,172 |
| Net loans and leases to total assets | 49.7352% | 6,352 |
| Net loans and leases to deposits | 57.0614% | 6,539 |
| Net loans and leases to core deposits | 64.6885% | 6,241 |
| Total domestic deposits to total assets | 87.1609% | 2,438 |
| Equity capital to assets | 11.2304% | 2,750 |
| Core capital (leverage) ratio | 10.9554% | 2,289 |
| Tier 1 risk-based capital ratio | 17.6670% | 2,123 |
| Total risk-based capital ratio | 18.9205% | 2,088 |
| Memoranda: | ||
| Average total assets | $115,431,250 | 4,648 |
| Average earning assets | $105,220,750 | 4,636 |
| Average equity | $12,667,250 | 4,508 |
| Average total loans | $58,291,500 | 5,216 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 6,287 |
| Cost of funding earning assets | 1.1704% | 5,286 |
| Net interest margin | 3.4861% | 5,300 |
| Noninterest income to average assets | 1.0157% | 1,335 |
| Noninterest expense to average assets | 2.7343% | 4,766 |
| Loan and lease loss provision to assets | 0.0105% | 6,801 |
| Net operating income to assets | 0.9718% | 2,294 |
| Return on assets (ROA) | 0.9718% | 2,373 |
| Pretax return on assets | 1.4532% | 1,686 |
| Return on Equity (ROE) | 8.9287% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.9287% | 1,125 |
| Net charge-offs to loans | 0.0383% | 5,826 |
| Credit loss provision to net charge-offs | 54.5455% | 5,324 |
| Earnings coverage of net charge-offs (x) | 75.7273% | 415 |
| Efficiency ratio | 65.1319% | 5,125 |
| Assets per employee ($millions) | 3.9033% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8746% | 2,495 |
| Loan loss allowance to noncurrent loans | 6,900.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 6,401 |
| Noncurrent loans to loans | 0.0272% | 7,254 |
| Net loans and leases to total assets | 49.3505% | 6,506 |
| Net loans and leases to deposits | 56.4125% | 6,687 |
| Net loans and leases to core deposits | 58.7167% | 6,787 |
| Total domestic deposits to total assets | 87.4815% | 2,261 |
| Equity capital to assets | 11.0616% | 2,796 |
| Core capital (leverage) ratio | 10.7888% | 2,406 |
| Tier 1 risk-based capital ratio | 17.0251% | 2,272 |
| Total risk-based capital ratio | 18.2780% | 2,216 |
| Memoranda: | ||
| Average total assets | $113,814,670 | 4,708 |
| Average earning assets | $103,898,000 | 4,700 |
| Average equity | $12,387,000 | 4,575 |
| Average total loans | $57,414,000 | 5,294 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 6,417 |
| Cost of funding earning assets | 1.1872% | 5,474 |
| Net interest margin | 3.4602% | 5,334 |
| Noninterest income to average assets | 1.0484% | 1,158 |
| Noninterest expense to average assets | 2.6138% | 5,295 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0591% | 1,969 |
| Return on assets (ROA) | 1.0591% | 2,039 |
| Pretax return on assets | 1.5940% | 1,277 |
| Return on Equity (ROE) | 9.8149% | 2,168 |
| Retained earnings to average equity (ytd only) | 9.8149% | 1,184 |
| Net charge-offs to loans | 0.0282% | 5,174 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 111.7500% | 293 |
| Efficiency ratio | 62.1186% | 5,811 |
| Assets per employee ($millions) | 4.5994% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9788% | 2,246 |
| Loan loss allowance to noncurrent loans | 3,946.4286% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 6,330 |
| Noncurrent loans to loans | 0.0501% | 7,280 |
| Net loans and leases to total assets | 47.6045% | 6,709 |
| Net loans and leases to deposits | 54.2514% | 6,899 |
| Net loans and leases to core deposits | 56.6452% | 6,955 |
| Total domestic deposits to total assets | 87.7480% | 2,214 |
| Equity capital to assets | 10.7945% | 2,961 |
| Core capital (leverage) ratio | 10.3690% | 2,745 |
| Tier 1 risk-based capital ratio | 17.2197% | 2,188 |
| Total risk-based capital ratio | 18.4746% | 2,139 |
| Memoranda: | ||
| Average total assets | $112,172,500 | 4,817 |
| Average earning assets | $102,422,000 | 4,799 |
| Average equity | $12,104,000 | 4,694 |
| Average total loans | $56,674,500 | 5,396 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1575% | 5,841 |
| Cost of funding earning assets | 1.2474% | 6,481 |
| Net interest margin | 3.9101% | 3,229 |
| Noninterest income to average assets | 1.0396% | 1,440 |
| Noninterest expense to average assets | 3.2396% | 3,238 |
| Loan and lease loss provision to assets | 0.3226% | 4,879 |
| Net operating income to assets | 0.6608% | 3,096 |
| Return on assets (ROA) | 0.6608% | 3,145 |
| Pretax return on assets | 1.0424% | 2,448 |
| Return on Equity (ROE) | 6.1684% | 3,142 |
| Retained earnings to average equity (ytd only) | 3.5272% | 2,706 |
| Net charge-offs to loans | 0.1257% | 5,937 |
| Credit loss provision to net charge-offs | 492.9577% | 622 |
| Earnings coverage of net charge-offs (x) | 20.8592% | 1,021 |
| Efficiency ratio | 70.3563% | 4,545 |
| Assets per employee ($millions) | 4.2062% | 3,429 |
| Cash dividends to net income (ytd only)* | 42.8173% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9285% | 2,195 |
| Loan loss allowance to noncurrent loans | 3,960.7143% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 6,247 |
| Noncurrent loans to loans | 0.0487% | 7,311 |
| Net loans and leases to total assets | 51.5700% | 6,473 |
| Net loans and leases to deposits | 58.6833% | 6,730 |
| Net loans and leases to core deposits | 70.4874% | 6,736 |
| Total domestic deposits to total assets | 87.8786% | 2,024 |
| Equity capital to assets | 10.7864% | 2,883 |
| Core capital (leverage) ratio | 10.6234% | 2,488 |
| Tier 1 risk-based capital ratio | 16.6674% | 2,248 |
| Total risk-based capital ratio | 17.9214% | 2,208 |
| Memoranda: | ||
| Average total assets | $108,501,600 | 4,864 |
| Average earning assets | $98,923,600 | 4,868 |
| Average equity | $11,623,800 | 4,833 |
| Average total loans | $56,482,800 | 5,398 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2684% | 5,580 |
| Cost of funding earning assets | 1.2435% | 6,746 |
| Net interest margin | 4.0249% | 2,705 |
| Noninterest income to average assets | 1.0601% | 1,413 |
| Noninterest expense to average assets | 3.0966% | 3,658 |
| Loan and lease loss provision to assets | 0.2992% | 4,574 |
| Net operating income to assets | 0.8385% | 2,660 |
| Return on assets (ROA) | 0.8385% | 2,725 |
| Pretax return on assets | 1.3347% | 1,861 |
| Return on Equity (ROE) | 7.8404% | 2,710 |
| Retained earnings to average equity (ytd only) | 7.8404% | 1,183 |
| Net charge-offs to loans | 0.1612% | 5,102 |
| Credit loss provision to net charge-offs | 357.3529% | 1,147 |
| Earnings coverage of net charge-offs (x) | 19.5157% | 1,288 |
| Efficiency ratio | 65.4607% | 5,464 |
| Assets per employee ($millions) | 3.9868% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 2,501 |
| Loan loss allowance to noncurrent loans | 5,911.7647% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 6,236 |
| Noncurrent loans to loans | 0.0293% | 7,446 |
| Net loans and leases to total assets | 52.8813% | 6,515 |
| Net loans and leases to deposits | 60.4875% | 6,789 |
| Net loans and leases to core deposits | 72.7032% | 6,797 |
| Total domestic deposits to total assets | 87.4251% | 1,936 |
| Equity capital to assets | 11.1647% | 2,861 |
| Core capital (leverage) ratio | 10.2385% | 3,028 |
| Tier 1 risk-based capital ratio | 17.2091% | 2,210 |
| Total risk-based capital ratio | 18.4620% | 2,156 |
| Memoranda: | ||
| Average total assets | $108,287,000 | 4,903 |
| Average earning assets | $98,749,500 | 4,897 |
| Average equity | $11,580,750 | 4,902 |
| Average total loans | $56,227,000 | 5,453 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3025% | 5,650 |
| Cost of funding earning assets | 1.2081% | 7,080 |
| Net interest margin | 4.0945% | 2,339 |
| Noninterest income to average assets | 1.0931% | 1,333 |
| Noninterest expense to average assets | 3.0599% | 3,841 |
| Loan and lease loss provision to assets | 0.2912% | 4,245 |
| Net operating income to assets | 0.9180% | 2,385 |
| Return on assets (ROA) | 0.9180% | 2,481 |
| Pretax return on assets | 1.4654% | 1,543 |
| Return on Equity (ROE) | 8.7101% | 2,462 |
| Retained earnings to average equity (ytd only) | 8.7101% | 1,006 |
| Net charge-offs to loans | 0.2156% | 4,156 |
| Credit loss provision to net charge-offs | 263.3333% | 1,770 |
| Earnings coverage of net charge-offs (x) | 15.8833% | 1,568 |
| Efficiency ratio | 63.5285% | 5,998 |
| Assets per employee ($millions) | 3.7891% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 2,546 |
| Loan loss allowance to noncurrent loans | 1,687.2727% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.5363% | 6,090 |
| Noncurrent loans to loans | 0.0975% | 7,285 |
| Net loans and leases to total assets | 52.2739% | 6,646 |
| Net loans and leases to deposits | 59.5697% | 6,923 |
| Net loans and leases to core deposits | 71.3578% | 6,941 |
| Total domestic deposits to total assets | 87.7525% | 1,903 |
| Equity capital to assets | 10.9506% | 2,965 |
| Core capital (leverage) ratio | 10.4941% | 2,819 |
| Tier 1 risk-based capital ratio | 16.9108% | 2,330 |
| Total risk-based capital ratio | 18.1616% | 2,278 |
| Memoranda: | ||
| Average total assets | $108,501,670 | 4,928 |
| Average earning assets | $98,669,670 | 4,933 |
| Average equity | $11,435,000 | 4,966 |
| Average total loans | $55,660,000 | 5,524 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3066% | 5,870 |
| Cost of funding earning assets | 1.2370% | 7,212 |
| Net interest margin | 4.0696% | 2,408 |
| Noninterest income to average assets | 0.9735% | 1,563 |
| Noninterest expense to average assets | 2.7018% | 4,997 |
| Loan and lease loss provision to assets | 0.2479% | 3,991 |
| Net operating income to assets | 1.0829% | 2,023 |
| Return on assets (ROA) | 1.0829% | 2,151 |
| Pretax return on assets | 1.7064% | 1,166 |
| Return on Equity (ROE) | 10.4730% | 2,142 |
| Retained earnings to average equity (ytd only) | 10.4730% | 1,083 |
| Net charge-offs to loans | 0.3617% | 2,647 |
| Credit loss provision to net charge-offs | 136.0000% | 2,988 |
| Earnings coverage of net charge-offs (x) | 10.7200% | 1,931 |
| Efficiency ratio | 58.0266% | 6,698 |
| Assets per employee ($millions) | 3.7455% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 2,879 |
| Loan loss allowance to noncurrent loans | 164.0232% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9202% | 4,890 |
| Noncurrent loans to loans | 0.9252% | 5,150 |
| Net loans and leases to total assets | 48.9748% | 6,950 |
| Net loans and leases to deposits | 55.3293% | 7,200 |
| Net loans and leases to core deposits | 64.9161% | 7,280 |
| Total domestic deposits to total assets | 88.5150% | 1,480 |
| Equity capital to assets | 10.2408% | 3,719 |
| Core capital (leverage) ratio | 10.2369% | 3,164 |
| Tier 1 risk-based capital ratio | 16.4968% | 2,513 |
| Total risk-based capital ratio | 17.7386% | 2,454 |
| Memoranda: | ||
| Average total assets | $109,705,000 | 4,915 |
| Average earning assets | $99,272,500 | 4,934 |
| Average equity | $11,343,500 | 5,019 |
| Average total loans | $55,296,000 | 5,577 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0655% | 5,230 |
| Cost of funding earning assets | 1.9271% | 6,652 |
| Net interest margin | 4.1384% | 2,545 |
| Noninterest income to average assets | 1.0889% | 1,327 |
| Noninterest expense to average assets | 3.0682% | 3,829 |
| Loan and lease loss provision to assets | 0.2117% | 4,776 |
| Net operating income to assets | 0.9774% | 2,649 |
| Return on assets (ROA) | 0.9774% | 2,528 |
| Pretax return on assets | 1.5521% | 1,535 |
| Return on Equity (ROE) | 9.5419% | 2,421 |
| Retained earnings to average equity (ytd only) | 6.7458% | 1,244 |
| Net charge-offs to loans | 0.0749% | 5,690 |
| Credit loss provision to net charge-offs | 546.3415% | 801 |
| Earnings coverage of net charge-offs (x) | 45.5122% | 820 |
| Efficiency ratio | 63.4977% | 5,668 |
| Assets per employee ($millions) | 3.8231% | 3,915 |
| Cash dividends to net income (ytd only)* | 29.3037% | 4,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 2,599 |
| Loan loss allowance to noncurrent loans | 3,608.6957% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 5,666 |
| Noncurrent loans to loans | 0.0420% | 7,334 |
| Net loans and leases to total assets | 50.3372% | 6,998 |
| Net loans and leases to deposits | 56.8505% | 7,271 |
| Net loans and leases to core deposits | 66.3907% | 7,349 |
| Total domestic deposits to total assets | 88.5432% | 1,229 |
| Equity capital to assets | 10.4441% | 3,565 |
| Core capital (leverage) ratio | 9.8365% | 3,603 |
| Tier 1 risk-based capital ratio | 16.4922% | 2,491 |
| Total risk-based capital ratio | 17.7404% | 2,418 |
| Memoranda: | ||
| Average total assets | $105,795,200 | 4,882 |
| Average earning assets | $95,688,600 | 4,934 |
| Average equity | $10,836,400 | 5,172 |
| Average total loans | $54,707,200 | 5,500 |