Home > Bank of Delight > Performance and Condition Ratios
Bank of Delight, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9521% | 676 |
| Cost of funding earning assets | 1.6935% | 1,465 |
| Net interest margin | 4.2586% | 861 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.0954% | 3,415 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 2.0080% | 461 |
| Return on assets (ROA) | 2.0080% | 442 |
| Pretax return on assets | 2.0972% | 573 |
| Return on Equity (ROE) | 14.8000% | 1,324 |
| Retained earnings to average equity (ytd only) | 5.2367% | 2,516 |
| Net charge-offs to loans | -0.0217% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 48.7683% | 4,050 |
| Assets per employee ($millions) | 6.2062% | 2,631 |
| Cash dividends to net income (ytd only)* | 64.6136% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7098% | 4,107 |
| Loan loss allowance to noncurrent loans | 247.7941% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 1,074 |
| Noncurrent loans to loans | 0.2864% | 2,153 |
| Net loans and leases to total assets | 81.3800% | 487 |
| Net loans and leases to deposits | 100.8083% | 493 |
| Net loans and leases to core deposits | 119.7796% | 629 |
| Total domestic deposits to total assets | 80.7300% | 3,351 |
| Equity capital to assets | 13.1292% | 838 |
| Core capital (leverage) ratio | 13.3337% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $168,176,000 | 3,203 |
| Average earning assets | $163,505,400 | 3,145 |
| Average equity | $22,819,600 | 2,642 |
| Average total loans | $133,799,400 | 2,829 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8134% | 673 |
| Cost of funding earning assets | 1.5897% | 1,389 |
| Net interest margin | 4.2237% | 891 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.0738% | 3,414 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.9922% | 504 |
| Return on assets (ROA) | 1.9922% | 495 |
| Pretax return on assets | 2.0522% | 710 |
| Return on Equity (ROE) | 14.5600% | 1,534 |
| Retained earnings to average equity (ytd only) | 13.6481% | 722 |
| Net charge-offs to loans | 0.1570% | 536 |
| Credit loss provision to net charge-offs | 120.6452% | 1,481 |
| Earnings coverage of net charge-offs (x) | 17.6903% | 1,893 |
| Efficiency ratio | 48.6132% | 4,007 |
| Assets per employee ($millions) | 6.0801% | 2,675 |
| Cash dividends to net income (ytd only)* | 6.2600% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6035% | 4,262 |
| Loan loss allowance to noncurrent loans | 286.1592% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 1,253 |
| Noncurrent loans to loans | 0.2109% | 2,506 |
| Net loans and leases to total assets | 80.0100% | 645 |
| Net loans and leases to deposits | 100.4454% | 491 |
| Net loans and leases to core deposits | 120.0753% | 547 |
| Total domestic deposits to total assets | 79.6500% | 3,578 |
| Equity capital to assets | 14.0764% | 637 |
| Core capital (leverage) ratio | 14.2286% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $166,776,750 | 3,223 |
| Average earning assets | $162,128,000 | 3,163 |
| Average equity | $22,820,750 | 2,634 |
| Average total loans | $131,640,250 | 2,851 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6453% | 694 |
| Cost of funding earning assets | 1.4713% | 1,297 |
| Net interest margin | 4.1740% | 965 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.9719% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1870% | 364 |
| Return on assets (ROA) | 2.1870% | 355 |
| Pretax return on assets | 2.2474% | 504 |
| Return on Equity (ROE) | 16.1600% | 1,238 |
| Retained earnings to average equity (ytd only) | 14.7679% | 589 |
| Net charge-offs to loans | -0.0216% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.7354% | 4,127 |
| Assets per employee ($millions) | 6.2224% | 2,525 |
| Cash dividends to net income (ytd only)* | 8.6188% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 3,856 |
| Loan loss allowance to noncurrent loans | 177.8980% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6946% | 756 |
| Noncurrent loans to loans | 0.4896% | 1,492 |
| Net loans and leases to total assets | 77.9800% | 835 |
| Net loans and leases to deposits | 97.6956% | 631 |
| Net loans and leases to core deposits | 116.4450% | 614 |
| Total domestic deposits to total assets | 79.8200% | 3,604 |
| Equity capital to assets | 13.8062% | 670 |
| Core capital (leverage) ratio | 14.0895% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $165,526,667 | 3,241 |
| Average earning assets | $160,948,333 | 3,185 |
| Average equity | $22,400,000 | 2,670 |
| Average total loans | $129,843,000 | 2,863 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5122% | 610 |
| Cost of funding earning assets | 1.3217% | 1,183 |
| Net interest margin | 4.1905% | 960 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.9916% | 3,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1888% | 377 |
| Return on assets (ROA) | 2.1888% | 374 |
| Pretax return on assets | 2.2497% | 528 |
| Return on Equity (ROE) | 16.3400% | 1,291 |
| Retained earnings to average equity (ytd only) | 16.3436% | 654 |
| Net charge-offs to loans | -0.0466% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.9575% | 4,164 |
| Assets per employee ($millions) | 6.8183% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 3,886 |
| Loan loss allowance to noncurrent loans | 190.7285% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 717 |
| Noncurrent loans to loans | 0.4658% | 1,551 |
| Net loans and leases to total assets | 78.5400% | 707 |
| Net loans and leases to deposits | 98.6453% | 506 |
| Net loans and leases to core deposits | 116.8356% | 516 |
| Total domestic deposits to total assets | 79.6200% | 3,817 |
| Equity capital to assets | 13.7383% | 628 |
| Core capital (leverage) ratio | 13.7296% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $164,288,000 | 3,300 |
| Average earning assets | $159,791,000 | 3,237 |
| Average equity | $22,002,500 | 2,716 |
| Average total loans | $128,687,500 | 2,902 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 927 |
| Cost of funding earning assets | 0.7927% | 396 |
| Net interest margin | 3.5817% | 1,695 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.9303% | 3,768 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.7593% | 485 |
| Return on assets (ROA) | 1.7593% | 459 |
| Pretax return on assets | 1.8323% | 677 |
| Return on Equity (ROE) | 13.6500% | 1,615 |
| Retained earnings to average equity (ytd only) | 7.0618% | 2,217 |
| Net charge-offs to loans | 0.0405% | 1,294 |
| Credit loss provision to net charge-offs | 204.0816% | 1,106 |
| Earnings coverage of net charge-offs (x) | 63.4898% | 1,211 |
| Efficiency ratio | 50.4854% | 4,104 |
| Assets per employee ($millions) | 6.3438% | 2,472 |
| Cash dividends to net income (ytd only)* | 48.2532% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8904% | 3,813 |
| Loan loss allowance to noncurrent loans | 182.2115% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 695 |
| Noncurrent loans to loans | 0.4887% | 1,478 |
| Net loans and leases to total assets | 76.7300% | 928 |
| Net loans and leases to deposits | 95.1694% | 703 |
| Net loans and leases to core deposits | 111.4034% | 566 |
| Total domestic deposits to total assets | 80.6300% | 3,802 |
| Equity capital to assets | 13.0498% | 696 |
| Core capital (leverage) ratio | 13.0985% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $164,330,600 | 3,312 |
| Average earning assets | $160,092,400 | 3,246 |
| Average equity | $21,184,400 | 2,842 |
| Average total loans | $121,116,200 | 2,907 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 1,195 |
| Cost of funding earning assets | 0.7055% | 259 |
| Net interest margin | 3.3303% | 2,198 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.7452% | 4,084 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.8134% | 417 |
| Return on assets (ROA) | 1.8134% | 409 |
| Pretax return on assets | 1.8134% | 711 |
| Return on Equity (ROE) | 14.1100% | 1,403 |
| Retained earnings to average equity (ytd only) | 13.1753% | 585 |
| Net charge-offs to loans | 0.0201% | 1,432 |
| Credit loss provision to net charge-offs | 555.5556% | 577 |
| Earnings coverage of net charge-offs (x) | 129.6111% | 811 |
| Efficiency ratio | 47.9473% | 4,276 |
| Assets per employee ($millions) | 6.3253% | 2,464 |
| Cash dividends to net income (ytd only)* | 6.6279% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 3,754 |
| Loan loss allowance to noncurrent loans | 331.8182% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 1,023 |
| Noncurrent loans to loans | 0.2822% | 2,244 |
| Net loans and leases to total assets | 75.1400% | 998 |
| Net loans and leases to deposits | 93.5835% | 663 |
| Net loans and leases to core deposits | 108.1041% | 532 |
| Total domestic deposits to total assets | 80.2900% | 4,070 |
| Equity capital to assets | 13.4363% | 623 |
| Core capital (leverage) ratio | 13.5984% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $164,178,750 | 3,338 |
| Average earning assets | $160,063,000 | 3,264 |
| Average equity | $21,099,500 | 2,887 |
| Average total loans | $119,470,750 | 2,933 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 1,505 |
| Cost of funding earning assets | 0.6550% | 204 |
| Net interest margin | 3.0590% | 2,685 |
| Noninterest income to average assets | 0.4364% | 2,532 |
| Noninterest expense to average assets | 1.7564% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6625% | 472 |
| Return on assets (ROA) | 1.6625% | 465 |
| Pretax return on assets | 1.6625% | 820 |
| Return on Equity (ROE) | 13.1362% | 1,349 |
| Retained earnings to average equity (ytd only) | 12.4621% | 538 |
| Net charge-offs to loans | 0.0306% | 1,111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 75.7778% | 961 |
| Efficiency ratio | 51.3725% | 4,174 |
| Assets per employee ($millions) | 6.2448% | 2,525 |
| Cash dividends to net income (ytd only)* | 5.1320% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 3,981 |
| Loan loss allowance to noncurrent loans | 675.9494% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 1,356 |
| Noncurrent loans to loans | 0.1316% | 3,057 |
| Net loans and leases to total assets | 73.2933% | 973 |
| Net loans and leases to deposits | 91.2438% | 647 |
| Net loans and leases to core deposits | 104.7636% | 483 |
| Total domestic deposits to total assets | 80.3269% | 4,197 |
| Equity capital to assets | 13.1729% | 634 |
| Core capital (leverage) ratio | 13.1666% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,086,000 | 3,373 |
| Average earning assets | $159,988,000 | 3,312 |
| Average equity | $20,767,000 | 2,991 |
| Average total loans | $117,712,667 | 2,970 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4986% | 1,815 |
| Cost of funding earning assets | 0.6788% | 171 |
| Net interest margin | 2.8197% | 3,078 |
| Noninterest income to average assets | 0.2789% | 3,471 |
| Noninterest expense to average assets | 1.7824% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2465% | 1,131 |
| Return on assets (ROA) | 1.2465% | 1,116 |
| Pretax return on assets | 1.2465% | 1,668 |
| Return on Equity (ROE) | 10.0506% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.0506% | 1,007 |
| Net charge-offs to loans | 0.1751% | 342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 10.0784% | 1,467 |
| Efficiency ratio | 58.8471% | 3,599 |
| Assets per employee ($millions) | 6.2959% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 4,087 |
| Loan loss allowance to noncurrent loans | 672.0779% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 1,472 |
| Noncurrent loans to loans | 0.1313% | 3,153 |
| Net loans and leases to total assets | 71.0275% | 921 |
| Net loans and leases to deposits | 87.9871% | 622 |
| Net loans and leases to core deposits | 102.0755% | 444 |
| Total domestic deposits to total assets | 80.7249% | 4,227 |
| Equity capital to assets | 12.6346% | 772 |
| Core capital (leverage) ratio | 12.3836% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,947,000 | 3,381 |
| Average earning assets | $160,866,000 | 3,320 |
| Average equity | $20,456,500 | 3,108 |
| Average total loans | $116,534,000 | 2,974 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6555% | 2,237 |
| Cost of funding earning assets | 0.8481% | 153 |
| Net interest margin | 2.8074% | 3,647 |
| Noninterest income to average assets | 0.3417% | 3,369 |
| Noninterest expense to average assets | 1.7480% | 4,228 |
| Loan and lease loss provision to assets | 0.0620% | 1,828 |
| Net operating income to assets | 1.2495% | 1,744 |
| Return on assets (ROA) | 1.2495% | 1,805 |
| Pretax return on assets | 1.2495% | 2,524 |
| Return on Equity (ROE) | 10.0121% | 2,514 |
| Retained earnings to average equity (ytd only) | 3.8160% | 3,285 |
| Net charge-offs to loans | -0.0121% | 3,805 |
| Credit loss provision to net charge-offs | -714.2857% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1342% | 3,562 |
| Assets per employee ($millions) | 6.6480% | 2,202 |
| Cash dividends to net income (ytd only)* | 61.8859% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 3,968 |
| Loan loss allowance to noncurrent loans | 502.7778% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 1,487 |
| Noncurrent loans to loans | 0.1866% | 3,013 |
| Net loans and leases to total assets | 69.0008% | 1,147 |
| Net loans and leases to deposits | 85.0515% | 850 |
| Net loans and leases to core deposits | 100.8672% | 497 |
| Total domestic deposits to total assets | 81.1283% | 4,093 |
| Equity capital to assets | 12.1726% | 1,183 |
| Core capital (leverage) ratio | 12.2294% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,267,200 | 3,384 |
| Average earning assets | $156,122,800 | 3,316 |
| Average equity | $20,125,600 | 3,206 |
| Average total loans | $115,996,600 | 2,986 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6683% | 2,359 |
| Cost of funding earning assets | 0.8858% | 163 |
| Net interest margin | 2.7825% | 3,817 |
| Noninterest income to average assets | 0.3433% | 3,392 |
| Noninterest expense to average assets | 1.6621% | 4,391 |
| Loan and lease loss provision to assets | 0.0831% | 1,427 |
| Net operating income to assets | 1.2855% | 1,866 |
| Return on assets (ROA) | 1.2855% | 1,926 |
| Pretax return on assets | 1.2855% | 2,660 |
| Return on Equity (ROE) | 10.2356% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.6834% | 1,812 |
| Net charge-offs to loans | -0.0161% | 3,875 |
| Credit loss provision to net charge-offs | -714.2857% | 3,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8378% | 3,686 |
| Assets per employee ($millions) | 6.4640% | 2,283 |
| Cash dividends to net income (ytd only)* | 15.1653% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 4,088 |
| Loan loss allowance to noncurrent loans | 342.5868% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 1,469 |
| Noncurrent loans to loans | 0.2700% | 2,836 |
| Net loans and leases to total assets | 71.9932% | 876 |
| Net loans and leases to deposits | 89.6911% | 623 |
| Net loans and leases to core deposits | 106.9556% | 391 |
| Total domestic deposits to total assets | 80.2679% | 4,190 |
| Equity capital to assets | 12.8657% | 1,033 |
| Core capital (leverage) ratio | 12.8466% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,033,750 | 3,429 |
| Average earning assets | $154,580,000 | 3,359 |
| Average equity | $20,099,250 | 3,241 |
| Average total loans | $116,054,250 | 3,027 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6580% | 2,449 |
| Cost of funding earning assets | 0.9239% | 165 |
| Net interest margin | 2.7341% | 3,912 |
| Noninterest income to average assets | 0.3172% | 3,527 |
| Noninterest expense to average assets | 1.6613% | 4,425 |
| Loan and lease loss provision to assets | 0.1254% | 1,001 |
| Net operating income to assets | 1.1723% | 2,289 |
| Return on assets (ROA) | 1.1723% | 2,356 |
| Pretax return on assets | 1.1723% | 2,986 |
| Return on Equity (ROE) | 9.4118% | 2,976 |
| Retained earnings to average equity (ytd only) | 7.8415% | 2,134 |
| Net charge-offs to loans | 0.0035% | 2,047 |
| Credit loss provision to net charge-offs | 5,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 517.5000% | 251 |
| Efficiency ratio | 56.1441% | 3,521 |
| Assets per employee ($millions) | 6.4174% | 2,222 |
| Cash dividends to net income (ytd only)* | 16.6845% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 4,095 |
| Loan loss allowance to noncurrent loans | 330.2469% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 2,467 |
| Noncurrent loans to loans | 0.2789% | 2,936 |
| Net loans and leases to total assets | 71.7404% | 1,002 |
| Net loans and leases to deposits | 89.0298% | 709 |
| Net loans and leases to core deposits | 105.9416% | 471 |
| Total domestic deposits to total assets | 80.5802% | 4,143 |
| Equity capital to assets | 12.6276% | 1,074 |
| Core capital (leverage) ratio | 12.3016% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,511,667 | 3,439 |
| Average earning assets | $154,130,000 | 3,374 |
| Average equity | $19,868,667 | 3,260 |
| Average total loans | $115,596,667 | 3,047 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6896% | 2,385 |
| Cost of funding earning assets | 0.9685% | 160 |
| Net interest margin | 2.7211% | 3,918 |
| Noninterest income to average assets | 0.2490% | 3,907 |
| Noninterest expense to average assets | 1.7630% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1217% | 2,412 |
| Return on assets (ROA) | 1.1217% | 2,488 |
| Pretax return on assets | 1.1217% | 3,063 |
| Return on Equity (ROE) | 9.0680% | 3,011 |
| Retained earnings to average equity (ytd only) | 7.4821% | 2,417 |
| Net charge-offs to loans | -0.0069% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1160% | 2,891 |
| Assets per employee ($millions) | 6.4251% | 2,235 |
| Cash dividends to net income (ytd only)* | 17.4888% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 4,303 |
| Loan loss allowance to noncurrent loans | 322.5166% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 2,755 |
| Noncurrent loans to loans | 0.2627% | 3,168 |
| Net loans and leases to total assets | 70.9621% | 1,161 |
| Net loans and leases to deposits | 89.3965% | 734 |
| Net loans and leases to core deposits | 100.0755% | 711 |
| Total domestic deposits to total assets | 79.3791% | 4,286 |
| Equity capital to assets | 12.3677% | 1,125 |
| Core capital (leverage) ratio | 12.2721% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,050,500 | 3,445 |
| Average earning assets | $154,053,500 | 3,375 |
| Average equity | $19,673,500 | 3,269 |
| Average total loans | $115,312,000 | 3,060 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1228% | 2,358 |
| Cost of funding earning assets | 1.1882% | 292 |
| Net interest margin | 2.9346% | 4,049 |
| Noninterest income to average assets | 0.2988% | 3,692 |
| Noninterest expense to average assets | 1.7658% | 4,526 |
| Loan and lease loss provision to assets | 0.2810% | 1,357 |
| Net operating income to assets | 1.0882% | 1,965 |
| Return on assets (ROA) | 1.0882% | 2,092 |
| Pretax return on assets | 1.0882% | 2,745 |
| Return on Equity (ROE) | 8.5397% | 2,581 |
| Retained earnings to average equity (ytd only) | 3.8496% | 2,897 |
| Net charge-offs to loans | 0.3528% | 491 |
| Credit loss provision to net charge-offs | 106.7839% | 2,753 |
| Earnings coverage of net charge-offs (x) | 5.2035% | 2,888 |
| Efficiency ratio | 56.3264% | 3,947 |
| Assets per employee ($millions) | 6.2989% | 2,085 |
| Cash dividends to net income (ytd only)* | 54.9210% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 4,343 |
| Loan loss allowance to noncurrent loans | 197.9633% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 2,271 |
| Noncurrent loans to loans | 0.4245% | 2,706 |
| Net loans and leases to total assets | 72.8334% | 1,183 |
| Net loans and leases to deposits | 91.4005% | 821 |
| Net loans and leases to core deposits | 105.3863% | 673 |
| Total domestic deposits to total assets | 79.6860% | 4,105 |
| Equity capital to assets | 12.3710% | 1,382 |
| Core capital (leverage) ratio | 12.3129% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,262,400 | 3,395 |
| Average earning assets | $146,186,800 | 3,312 |
| Average equity | $19,274,600 | 3,256 |
| Average total loans | $112,806,600 | 3,057 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 2,329 |
| Cost of funding earning assets | 1.2371% | 323 |
| Net interest margin | 2.9865% | 4,007 |
| Noninterest income to average assets | 0.3144% | 3,609 |
| Noninterest expense to average assets | 1.7064% | 4,615 |
| Loan and lease loss provision to assets | 0.3787% | 973 |
| Net operating income to assets | 1.1106% | 1,950 |
| Return on assets (ROA) | 1.1106% | 2,070 |
| Pretax return on assets | 1.1106% | 2,703 |
| Return on Equity (ROE) | 8.6491% | 2,548 |
| Retained earnings to average equity (ytd only) | 7.1371% | 1,634 |
| Net charge-offs to loans | 0.4770% | 309 |
| Credit loss provision to net charge-offs | 105.9850% | 2,576 |
| Earnings coverage of net charge-offs (x) | 4.1696% | 2,848 |
| Efficiency ratio | 53.4002% | 4,215 |
| Assets per employee ($millions) | 6.2581% | 2,039 |
| Cash dividends to net income (ytd only)* | 17.4820% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 4,201 |
| Loan loss allowance to noncurrent loans | 183.1758% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 2,356 |
| Noncurrent loans to loans | 0.4687% | 2,647 |
| Net loans and leases to total assets | 71.5186% | 1,737 |
| Net loans and leases to deposits | 90.3405% | 1,235 |
| Net loans and leases to core deposits | 105.5853% | 863 |
| Total domestic deposits to total assets | 79.1656% | 4,033 |
| Equity capital to assets | 12.6325% | 1,361 |
| Core capital (leverage) ratio | 12.6038% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,709,750 | 3,395 |
| Average earning assets | $144,424,000 | 3,314 |
| Average equity | $19,223,000 | 3,256 |
| Average total loans | $112,092,000 | 3,077 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 2,335 |
| Cost of funding earning assets | 1.2970% | 364 |
| Net interest margin | 3.0536% | 4,004 |
| Noninterest income to average assets | 0.5681% | 2,265 |
| Noninterest expense to average assets | 1.7354% | 4,650 |
| Loan and lease loss provision to assets | 0.5084% | 689 |
| Net operating income to assets | 1.2704% | 1,433 |
| Return on assets (ROA) | 1.2704% | 1,556 |
| Pretax return on assets | 1.2704% | 2,132 |
| Return on Equity (ROE) | 9.8149% | 2,043 |
| Retained earnings to average equity (ytd only) | 8.1809% | 1,251 |
| Net charge-offs to loans | 0.0179% | 2,370 |
| Credit loss provision to net charge-offs | 3,750.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 131.2000% | 582 |
| Efficiency ratio | 49.3827% | 4,539 |
| Assets per employee ($millions) | 6.2487% | 1,991 |
| Cash dividends to net income (ytd only)* | 16.6489% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,822 |
| Loan loss allowance to noncurrent loans | 68.2647% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3187% | 782 |
| Noncurrent loans to loans | 1.6721% | 868 |
| Net loans and leases to total assets | 72.6267% | 1,603 |
| Net loans and leases to deposits | 91.7840% | 1,182 |
| Net loans and leases to core deposits | 107.2779% | 843 |
| Total domestic deposits to total assets | 79.1279% | 4,020 |
| Equity capital to assets | 12.4710% | 1,387 |
| Core capital (leverage) ratio | 12.5851% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,512,667 | 3,398 |
| Average earning assets | $142,324,333 | 3,319 |
| Average equity | $19,093,333 | 3,260 |
| Average total loans | $111,886,000 | 3,073 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 1,813 |
| Cost of funding earning assets | 1.4018% | 394 |
| Net interest margin | 3.2612% | 3,691 |
| Noninterest income to average assets | 0.2235% | 4,215 |
| Noninterest expense to average assets | 1.8720% | 4,575 |
| Loan and lease loss provision to assets | 0.0699% | 2,867 |
| Net operating income to assets | 1.4278% | 928 |
| Return on assets (ROA) | 1.4278% | 999 |
| Pretax return on assets | 1.4278% | 1,485 |
| Return on Equity (ROE) | 10.8154% | 1,466 |
| Retained earnings to average equity (ytd only) | 9.1645% | 922 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5556% | 4,252 |
| Assets per employee ($millions) | 5.5985% | 2,026 |
| Cash dividends to net income (ytd only)* | 15.2642% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,202 |
| Loan loss allowance to noncurrent loans | 391.1290% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 3,382 |
| Noncurrent loans to loans | 0.2241% | 3,681 |
| Net loans and leases to total assets | 75.3725% | 1,409 |
| Net loans and leases to deposits | 92.9551% | 1,186 |
| Net loans and leases to core deposits | 110.1768% | 845 |
| Total domestic deposits to total assets | 81.0849% | 3,643 |
| Equity capital to assets | 13.0832% | 1,384 |
| Core capital (leverage) ratio | 13.2270% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6693% | 1,198 |
| Memoranda: | ||
| Average total assets | $143,160,000 | 3,424 |
| Average earning assets | $138,108,000 | 3,336 |
| Average equity | $18,899,000 | 3,287 |
| Average total loans | $110,446,000 | 3,072 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0700% | 1,289 |
| Cost of funding earning assets | 1.4339% | 499 |
| Net interest margin | 3.6361% | 3,010 |
| Noninterest income to average assets | 0.3028% | 3,876 |
| Noninterest expense to average assets | 2.0232% | 4,493 |
| Loan and lease loss provision to assets | 0.0278% | 3,459 |
| Net operating income to assets | 1.7648% | 573 |
| Return on assets (ROA) | 1.7648% | 605 |
| Pretax return on assets | 1.7648% | 1,033 |
| Return on Equity (ROE) | 12.8446% | 1,217 |
| Retained earnings to average equity (ytd only) | 3.4176% | 3,299 |
| Net charge-offs to loans | 0.0544% | 2,321 |
| Credit loss provision to net charge-offs | 63.7931% | 2,991 |
| Earnings coverage of net charge-offs (x) | 41.1379% | 1,293 |
| Efficiency ratio | 53.0222% | 4,518 |
| Assets per employee ($millions) | 5.6304% | 1,941 |
| Cash dividends to net income (ytd only)* | 73.3929% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8575% | 4,132 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 3,426 |
| Noncurrent loans to loans | 0.1905% | 3,769 |
| Net loans and leases to total assets | 77.6249% | 1,136 |
| Net loans and leases to deposits | 96.4054% | 906 |
| Net loans and leases to core deposits | 115.1141% | 633 |
| Total domestic deposits to total assets | 80.5192% | 3,875 |
| Equity capital to assets | 13.3235% | 1,354 |
| Core capital (leverage) ratio | 13.5573% | 1,036 |
| Tier 1 risk-based capital ratio | 16.9323% | 2,070 |
| Total risk-based capital ratio | 17.7870% | 2,146 |
| Memoranda: | ||
| Average total assets | $133,103,800 | 3,523 |
| Average earning assets | $128,599,600 | 3,450 |
| Average equity | $18,287,800 | 3,309 |
| Average total loans | $106,664,200 | 3,131 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1795% | 1,083 |
| Cost of funding earning assets | 1.4341% | 508 |
| Net interest margin | 3.7454% | 2,768 |
| Noninterest income to average assets | 0.2703% | 4,123 |
| Noninterest expense to average assets | 1.9788% | 4,596 |
| Loan and lease loss provision to assets | 0.0224% | 3,466 |
| Net operating income to assets | 1.8924% | 499 |
| Return on assets (ROA) | 1.8924% | 521 |
| Pretax return on assets | 1.8924% | 881 |
| Return on Equity (ROE) | 13.6622% | 1,064 |
| Retained earnings to average equity (ytd only) | 4.1016% | 3,346 |
| Net charge-offs to loans | 0.0542% | 2,056 |
| Credit loss provision to net charge-offs | 51.1628% | 2,781 |
| Earnings coverage of net charge-offs (x) | 43.8155% | 1,289 |
| Efficiency ratio | 50.8222% | 4,690 |
| Assets per employee ($millions) | 5.3308% | 2,183 |
| Cash dividends to net income (ytd only)* | 69.9787% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 4,178 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 3,204 |
| Noncurrent loans to loans | 0.3849% | 3,172 |
| Net loans and leases to total assets | 81.1713% | 688 |
| Net loans and leases to deposits | 102.4122% | 483 |
| Net loans and leases to core deposits | 125.7726% | 372 |
| Total domestic deposits to total assets | 79.2594% | 4,132 |
| Equity capital to assets | 14.0159% | 1,144 |
| Core capital (leverage) ratio | 13.9601% | 997 |
| Tier 1 risk-based capital ratio | 17.2409% | 2,012 |
| Total risk-based capital ratio | 18.1143% | 2,074 |
| Memoranda: | ||
| Average total assets | $131,190,000 | 3,585 |
| Average earning assets | $126,907,250 | 3,509 |
| Average equity | $18,171,250 | 3,344 |
| Average total loans | $105,778,000 | 3,183 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1576% | 1,086 |
| Cost of funding earning assets | 1.4141% | 508 |
| Net interest margin | 3.7435% | 2,780 |
| Noninterest income to average assets | 0.2697% | 4,132 |
| Noninterest expense to average assets | 1.9863% | 4,624 |
| Loan and lease loss provision to assets | 0.0337% | 3,153 |
| Net operating income to assets | 1.8728% | 514 |
| Return on assets (ROA) | 1.8728% | 539 |
| Pretax return on assets | 1.8728% | 884 |
| Return on Equity (ROE) | 13.5763% | 1,079 |
| Retained earnings to average equity (ytd only) | 1.4332% | 4,311 |
| Net charge-offs to loans | 0.0822% | 1,537 |
| Credit loss provision to net charge-offs | 51.1628% | 2,467 |
| Earnings coverage of net charge-offs (x) | 28.9302% | 1,505 |
| Efficiency ratio | 51.0236% | 4,723 |
| Assets per employee ($millions) | 5.5666% | 1,908 |
| Cash dividends to net income (ytd only)* | 89.4435% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 4,072 |
| Loan loss allowance to noncurrent loans | 288.1098% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 3,383 |
| Noncurrent loans to loans | 0.3136% | 3,415 |
| Net loans and leases to total assets | 77.5857% | 1,294 |
| Net loans and leases to deposits | 98.2437% | 818 |
| Net loans and leases to core deposits | 120.2918% | 536 |
| Total domestic deposits to total assets | 78.9727% | 4,230 |
| Equity capital to assets | 13.6596% | 1,258 |
| Core capital (leverage) ratio | 13.6162% | 1,072 |
| Tier 1 risk-based capital ratio | 17.2551% | 2,010 |
| Total risk-based capital ratio | 18.1498% | 2,056 |
| Memoranda: | ||
| Average total assets | $130,496,670 | 3,612 |
| Average earning assets | $126,298,330 | 3,534 |
| Average equity | $18,002,000 | 3,352 |
| Average total loans | $104,663,330 | 3,212 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1308% | 1,041 |
| Cost of funding earning assets | 1.3635% | 520 |
| Net interest margin | 3.7673% | 2,642 |
| Noninterest income to average assets | 0.2792% | 4,013 |
| Noninterest expense to average assets | 2.0722% | 4,508 |
| Loan and lease loss provision to assets | 0.0682% | 2,303 |
| Net operating income to assets | 1.7899% | 586 |
| Return on assets (ROA) | 1.7899% | 606 |
| Pretax return on assets | 1.7899% | 996 |
| Return on Equity (ROE) | 12.9094% | 1,248 |
| Retained earnings to average equity (ytd only) | -9.4639% | 5,087 |
| Net charge-offs to loans | 0.1681% | 809 |
| Credit loss provision to net charge-offs | 50.0000% | 1,974 |
| Earnings coverage of net charge-offs (x) | 13.6136% | 1,833 |
| Efficiency ratio | 52.7230% | 4,639 |
| Assets per employee ($millions) | 5.5636% | 1,927 |
| Cash dividends to net income (ytd only)* | 173.3102% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 4,196 |
| Loan loss allowance to noncurrent loans | 314.6667% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 3,319 |
| Noncurrent loans to loans | 0.2834% | 3,546 |
| Net loans and leases to total assets | 78.5841% | 1,060 |
| Net loans and leases to deposits | 99.7822% | 653 |
| Net loans and leases to core deposits | 126.3559% | 369 |
| Total domestic deposits to total assets | 78.7556% | 4,395 |
| Equity capital to assets | 13.2453% | 1,320 |
| Core capital (leverage) ratio | 13.6382% | 1,050 |
| Tier 1 risk-based capital ratio | 16.3032% | 2,336 |
| Total risk-based capital ratio | 17.1740% | 2,407 |
| Memoranda: | ||
| Average total assets | $128,946,000 | 3,670 |
| Average earning assets | $124,970,500 | 3,583 |
| Average equity | $17,878,500 | 3,361 |
| Average total loans | $104,696,000 | 3,243 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8706% | 1,365 |
| Cost of funding earning assets | 1.0794% | 531 |
| Net interest margin | 3.7912% | 2,694 |
| Noninterest income to average assets | 0.3098% | 4,043 |
| Noninterest expense to average assets | 2.1394% | 4,473 |
| Loan and lease loss provision to assets | 0.0902% | 2,342 |
| Net operating income to assets | 1.7628% | 598 |
| Return on assets (ROA) | 1.7653% | 594 |
| Pretax return on assets | 1.7519% | 1,045 |
| Return on Equity (ROE) | 11.9494% | 1,731 |
| Retained earnings to average equity (ytd only) | -1.3962% | 5,097 |
| Net charge-offs to loans | -0.0084% | 4,449 |
| Credit loss provision to net charge-offs | -1,350.0000% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7671% | 4,638 |
| Assets per employee ($millions) | 5.1819% | 2,287 |
| Cash dividends to net income (ytd only)* | 111.6840% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 4,031 |
| Loan loss allowance to noncurrent loans | 168.5864% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5846% | 2,281 |
| Noncurrent loans to loans | 0.5535% | 2,612 |
| Net loans and leases to total assets | 82.4597% | 596 |
| Net loans and leases to deposits | 107.5702% | 320 |
| Net loans and leases to core deposits | 130.1524% | 321 |
| Total domestic deposits to total assets | 76.6566% | 4,682 |
| Equity capital to assets | 14.5306% | 830 |
| Core capital (leverage) ratio | 14.3440% | 834 |
| Tier 1 risk-based capital ratio | 17.1472% | 2,015 |
| Total risk-based capital ratio | 18.0626% | 2,072 |
| Memoranda: | ||
| Average total assets | $119,754,200 | 3,788 |
| Average earning assets | $115,900,200 | 3,721 |
| Average equity | $17,691,200 | 3,330 |
| Average total loans | $95,429,000 | 3,378 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 1,536 |
| Cost of funding earning assets | 1.0196% | 547 |
| Net interest margin | 3.7342% | 2,880 |
| Noninterest income to average assets | 0.3111% | 4,063 |
| Noninterest expense to average assets | 2.0742% | 4,600 |
| Loan and lease loss provision to assets | 0.0472% | 3,043 |
| Net operating income to assets | 1.8148% | 587 |
| Return on assets (ROA) | 1.8181% | 585 |
| Pretax return on assets | 1.8002% | 1,014 |
| Return on Equity (ROE) | 12.2674% | 1,692 |
| Retained earnings to average equity (ytd only) | -4.0841% | 5,284 |
| Net charge-offs to loans | -0.0128% | 4,466 |
| Credit loss provision to net charge-offs | -466.6667% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9378% | 4,714 |
| Assets per employee ($millions) | 5.0955% | 2,345 |
| Cash dividends to net income (ytd only)* | 133.2923% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 4,284 |
| Loan loss allowance to noncurrent loans | 236.4829% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 2,900 |
| Noncurrent loans to loans | 0.3786% | 3,294 |
| Net loans and leases to total assets | 81.5450% | 790 |
| Net loans and leases to deposits | 105.4935% | 464 |
| Net loans and leases to core deposits | 125.9018% | 410 |
| Total domestic deposits to total assets | 77.2986% | 4,595 |
| Equity capital to assets | 14.5717% | 810 |
| Core capital (leverage) ratio | 14.1870% | 889 |
| Tier 1 risk-based capital ratio | 17.3691% | 1,977 |
| Total risk-based capital ratio | 18.2481% | 2,057 |
| Memoranda: | ||
| Average total assets | $118,726,500 | 3,845 |
| Average earning assets | $114,684,000 | 3,773 |
| Average equity | $17,596,250 | 3,364 |
| Average total loans | $93,407,000 | 3,441 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 1,774 |
| Cost of funding earning assets | 0.9376% | 618 |
| Net interest margin | 3.6657% | 3,061 |
| Noninterest income to average assets | 0.3148% | 4,071 |
| Noninterest expense to average assets | 2.1236% | 4,553 |
| Loan and lease loss provision to assets | 0.0425% | 3,050 |
| Net operating income to assets | 1.7152% | 701 |
| Return on assets (ROA) | 1.7203% | 699 |
| Pretax return on assets | 1.6931% | 1,230 |
| Return on Equity (ROE) | 11.5400% | 1,894 |
| Retained earnings to average equity (ytd only) | -13.0924% | 5,449 |
| Net charge-offs to loans | -0.0176% | 4,511 |
| Credit loss provision to net charge-offs | -312.5000% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0993% | 4,571 |
| Assets per employee ($millions) | 5.2640% | 2,138 |
| Cash dividends to net income (ytd only)* | 213.4520% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 4,155 |
| Loan loss allowance to noncurrent loans | 239.2954% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 2,992 |
| Noncurrent loans to loans | 0.3934% | 3,283 |
| Net loans and leases to total assets | 73.5436% | 2,021 |
| Net loans and leases to deposits | 94.0395% | 1,356 |
| Net loans and leases to core deposits | 115.6730% | 719 |
| Total domestic deposits to total assets | 78.2049% | 4,549 |
| Equity capital to assets | 13.6343% | 1,057 |
| Core capital (leverage) ratio | 13.9605% | 917 |
| Tier 1 risk-based capital ratio | 17.6176% | 1,911 |
| Total risk-based capital ratio | 18.5222% | 1,963 |
| Memoranda: | ||
| Average total assets | $117,538,000 | 3,902 |
| Average earning assets | $113,484,330 | 3,818 |
| Average equity | $17,521,670 | 3,391 |
| Average total loans | $91,001,330 | 3,494 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 1,658 |
| Cost of funding earning assets | 0.8031% | 939 |
| Net interest margin | 3.7696% | 2,544 |
| Noninterest income to average assets | 0.3253% | 3,981 |
| Noninterest expense to average assets | 2.2804% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7359% | 632 |
| Return on assets (ROA) | 1.7465% | 627 |
| Pretax return on assets | 1.6900% | 1,139 |
| Return on Equity (ROE) | 11.1828% | 1,892 |
| Retained earnings to average equity (ytd only) | -32.2128% | 5,557 |
| Net charge-offs to loans | -0.0357% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5893% | 4,401 |
| Assets per employee ($millions) | 4.8484% | 2,685 |
| Cash dividends to net income (ytd only)* | 388.0567% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 4,249 |
| Loan loss allowance to noncurrent loans | 220.0000% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 2,873 |
| Noncurrent loans to loans | 0.4288% | 3,252 |
| Net loans and leases to total assets | 77.4334% | 1,324 |
| Net loans and leases to deposits | 99.7189% | 731 |
| Net loans and leases to core deposits | 124.5824% | 458 |
| Total domestic deposits to total assets | 77.6516% | 4,778 |
| Equity capital to assets | 14.5658% | 761 |
| Core capital (leverage) ratio | 15.2257% | 611 |
| Tier 1 risk-based capital ratio | 17.9385% | 1,855 |
| Total risk-based capital ratio | 18.8493% | 1,899 |
| Memoranda: | ||
| Average total assets | $113,139,000 | 4,009 |
| Average earning assets | $109,082,000 | 3,928 |
| Average equity | $17,670,000 | 3,399 |
| Average total loans | $89,604,500 | 3,552 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3324% | 2,229 |
| Cost of funding earning assets | 0.7942% | 641 |
| Net interest margin | 3.5381% | 3,385 |
| Noninterest income to average assets | 0.3328% | 4,086 |
| Noninterest expense to average assets | 2.1812% | 4,563 |
| Loan and lease loss provision to assets | 0.0684% | 2,833 |
| Net operating income to assets | 1.4955% | 811 |
| Return on assets (ROA) | 1.5028% | 813 |
| Pretax return on assets | 1.5028% | 1,636 |
| Return on Equity (ROE) | 8.8801% | 2,366 |
| Retained earnings to average equity (ytd only) | 1.3255% | 4,484 |
| Net charge-offs to loans | 0.0294% | 3,218 |
| Credit loss provision to net charge-offs | 312.5000% | 916 |
| Earnings coverage of net charge-offs (x) | 71.4583% | 839 |
| Efficiency ratio | 58.2420% | 4,499 |
| Assets per employee ($millions) | 4.5798% | 3,058 |
| Cash dividends to net income (ytd only)* | 85.0728% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 4,149 |
| Loan loss allowance to noncurrent loans | 551.9481% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 3,593 |
| Noncurrent loans to loans | 0.1745% | 4,225 |
| Net loans and leases to total assets | 79.5134% | 1,032 |
| Net loans and leases to deposits | 104.3421% | 478 |
| Net loans and leases to core deposits | 118.6876% | 626 |
| Total domestic deposits to total assets | 76.2046% | 4,955 |
| Equity capital to assets | 16.7319% | 425 |
| Core capital (leverage) ratio | 16.2835% | 437 |
| Tier 1 risk-based capital ratio | 20.1251% | 1,293 |
| Total risk-based capital ratio | 21.0577% | 1,325 |
| Memoranda: | ||
| Average total assets | $109,663,200 | 4,066 |
| Average earning assets | $105,762,400 | 3,989 |
| Average equity | $18,558,400 | 3,290 |
| Average total loans | $81,729,000 | 3,713 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 2,588 |
| Cost of funding earning assets | 0.7866% | 624 |
| Net interest margin | 3.4198% | 3,778 |
| Noninterest income to average assets | 0.3309% | 4,169 |
| Noninterest expense to average assets | 2.1021% | 4,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5292% | 838 |
| Return on assets (ROA) | 1.5389% | 845 |
| Pretax return on assets | 1.5389% | 1,627 |
| Return on Equity (ROE) | 9.0677% | 2,567 |
| Retained earnings to average equity (ytd only) | 6.8600% | 1,768 |
| Net charge-offs to loans | -0.0067% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8894% | 4,518 |
| Assets per employee ($millions) | 4.6702% | 2,875 |
| Cash dividends to net income (ytd only)* | 24.3481% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 4,465 |
| Loan loss allowance to noncurrent loans | 224.9300% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 3,046 |
| Noncurrent loans to loans | 0.4089% | 3,474 |
| Net loans and leases to total assets | 77.1876% | 1,398 |
| Net loans and leases to deposits | 102.0284% | 614 |
| Net loans and leases to core deposits | 119.3854% | 609 |
| Total domestic deposits to total assets | 75.6531% | 5,059 |
| Equity capital to assets | 17.0435% | 422 |
| Core capital (leverage) ratio | 17.1426% | 371 |
| Tier 1 risk-based capital ratio | 21.2723% | 1,149 |
| Total risk-based capital ratio | 22.1688% | 1,178 |
| Memoranda: | ||
| Average total assets | $109,600,000 | 4,109 |
| Average earning assets | $105,772,250 | 4,029 |
| Average equity | $18,600,250 | 3,319 |
| Average total loans | $80,099,250 | 3,777 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 2,970 |
| Cost of funding earning assets | 0.7733% | 603 |
| Net interest margin | 3.2877% | 4,148 |
| Noninterest income to average assets | 0.3236% | 4,236 |
| Noninterest expense to average assets | 2.0888% | 4,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4085% | 1,049 |
| Return on assets (ROA) | 1.4085% | 1,074 |
| Pretax return on assets | 1.4085% | 1,988 |
| Return on Equity (ROE) | 8.3113% | 2,867 |
| Retained earnings to average equity (ytd only) | 6.2823% | 1,972 |
| Net charge-offs to loans | 0.0129% | 3,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 153.2000% | 497 |
| Efficiency ratio | 59.7266% | 4,356 |
| Assets per employee ($millions) | 4.4540% | 3,188 |
| Cash dividends to net income (ytd only)* | 24.4125% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 4,243 |
| Loan loss allowance to noncurrent loans | 216.3488% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5290% | 3,005 |
| Noncurrent loans to loans | 0.4550% | 3,381 |
| Net loans and leases to total assets | 71.7204% | 2,247 |
| Net loans and leases to deposits | 95.0714% | 1,170 |
| Net loans and leases to core deposits | 114.6442% | 772 |
| Total domestic deposits to total assets | 75.4385% | 5,150 |
| Equity capital to assets | 16.8066% | 429 |
| Core capital (leverage) ratio | 16.8544% | 380 |
| Tier 1 risk-based capital ratio | 22.0450% | 1,049 |
| Total risk-based capital ratio | 22.9822% | 1,060 |
| Memoranda: | ||
| Average total assets | $108,772,000 | 4,150 |
| Average earning assets | $104,998,330 | 4,071 |
| Average equity | $18,432,670 | 3,341 |
| Average total loans | $77,693,000 | 3,842 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0108% | 2,994 |
| Cost of funding earning assets | 0.7643% | 603 |
| Net interest margin | 3.2465% | 4,201 |
| Noninterest income to average assets | 0.3275% | 4,203 |
| Noninterest expense to average assets | 2.2515% | 4,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2058% | 1,495 |
| Return on assets (ROA) | 1.2058% | 1,529 |
| Pretax return on assets | 1.2058% | 2,572 |
| Return on Equity (ROE) | 7.0851% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.0851% | 1,816 |
| Net charge-offs to loans | 0.0472% | 1,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,107 |
| Efficiency ratio | 65.1238% | 3,644 |
| Assets per employee ($millions) | 4.3616% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 4,117 |
| Loan loss allowance to noncurrent loans | 503.1847% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 3,767 |
| Noncurrent loans to loans | 0.2041% | 4,387 |
| Net loans and leases to total assets | 69.8276% | 2,415 |
| Net loans and leases to deposits | 93.4313% | 1,171 |
| Net loans and leases to core deposits | 113.3424% | 711 |
| Total domestic deposits to total assets | 74.7368% | 5,358 |
| Equity capital to assets | 16.9296% | 390 |
| Core capital (leverage) ratio | 16.9962% | 364 |
| Tier 1 risk-based capital ratio | 23.3871% | 930 |
| Total risk-based capital ratio | 24.3900% | 946 |
| Memoranda: | ||
| Average total assets | $107,483,500 | 4,217 |
| Average earning assets | $103,620,000 | 4,141 |
| Average equity | $18,292,000 | 3,378 |
| Average total loans | $76,212,500 | 3,900 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 2,326 |
| Cost of funding earning assets | 0.6583% | 1,014 |
| Net interest margin | 3.5882% | 3,114 |
| Noninterest income to average assets | 0.2231% | 5,076 |
| Noninterest expense to average assets | 2.1828% | 4,816 |
| Loan and lease loss provision to assets | 0.0507% | 3,377 |
| Net operating income to assets | 1.4231% | 963 |
| Return on assets (ROA) | 1.4231% | 989 |
| Pretax return on assets | 1.4231% | 1,848 |
| Return on Equity (ROE) | 7.7719% | 3,071 |
| Retained earnings to average equity (ytd only) | 2.4651% | 4,117 |
| Net charge-offs to loans | 0.0533% | 2,971 |
| Credit loss provision to net charge-offs | 131.5789% | 2,048 |
| Earnings coverage of net charge-offs (x) | 38.2368% | 1,213 |
| Efficiency ratio | 59.6949% | 4,630 |
| Assets per employee ($millions) | 4.0741% | 3,837 |
| Cash dividends to net income (ytd only)* | 68.2823% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,961 |
| Loan loss allowance to noncurrent loans | 775.7282% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 3,962 |
| Noncurrent loans to loans | 0.1364% | 4,685 |
| Net loans and leases to total assets | 70.5165% | 2,402 |
| Net loans and leases to deposits | 94.3739% | 1,162 |
| Net loans and leases to core deposits | 112.9840% | 736 |
| Total domestic deposits to total assets | 74.7203% | 5,379 |
| Equity capital to assets | 17.1099% | 374 |
| Core capital (leverage) ratio | 17.4455% | 319 |
| Tier 1 risk-based capital ratio | 22.4786% | 1,019 |
| Total risk-based capital ratio | 23.4710% | 1,026 |
| Memoranda: | ||
| Average total assets | $98,589,800 | 4,373 |
| Average earning assets | $94,336,800 | 4,300 |
| Average equity | $18,052,200 | 3,397 |
| Average total loans | $71,318,000 | 4,015 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 2,304 |
| Cost of funding earning assets | 0.6363% | 1,108 |
| Net interest margin | 3.6229% | 2,996 |
| Noninterest income to average assets | 0.1971% | 5,282 |
| Noninterest expense to average assets | 2.0615% | 5,082 |
| Loan and lease loss provision to assets | 0.0689% | 2,845 |
| Net operating income to assets | 1.5268% | 833 |
| Return on assets (ROA) | 1.5268% | 881 |
| Pretax return on assets | 1.5268% | 1,626 |
| Return on Equity (ROE) | 8.1916% | 2,912 |
| Retained earnings to average equity (ytd only) | 5.7149% | 2,347 |
| Net charge-offs to loans | 0.0702% | 2,311 |
| Credit loss provision to net charge-offs | 135.1351% | 1,922 |
| Earnings coverage of net charge-offs (x) | 31.2986% | 1,444 |
| Efficiency ratio | 56.3677% | 5,023 |
| Assets per employee ($millions) | 4.0015% | 3,962 |
| Cash dividends to net income (ytd only)* | 30.2349% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,987 |
| Loan loss allowance to noncurrent loans | 666.6667% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 3,904 |
| Noncurrent loans to loans | 0.1612% | 4,708 |
| Net loans and leases to total assets | 73.5910% | 1,938 |
| Net loans and leases to deposits | 101.5196% | 606 |
| Net loans and leases to core deposits | 119.5657% | 519 |
| Total domestic deposits to total assets | 72.4895% | 5,566 |
| Equity capital to assets | 18.4320% | 313 |
| Core capital (leverage) ratio | 18.3252% | 276 |
| Tier 1 risk-based capital ratio | 23.1384% | 992 |
| Total risk-based capital ratio | 24.1430% | 999 |
| Memoranda: | ||
| Average total assets | $96,755,500 | 4,446 |
| Average earning assets | $92,409,250 | 4,378 |
| Average equity | $18,034,250 | 3,426 |
| Average total loans | $70,273,750 | 4,069 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 2,546 |
| Cost of funding earning assets | 0.6181% | 1,208 |
| Net interest margin | 3.5707% | 3,205 |
| Noninterest income to average assets | 0.1714% | 5,464 |
| Noninterest expense to average assets | 1.9987% | 5,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5785% | 760 |
| Return on assets (ROA) | 1.5785% | 802 |
| Pretax return on assets | 1.5785% | 1,427 |
| Return on Equity (ROE) | 8.4361% | 2,777 |
| Retained earnings to average equity (ytd only) | 6.2572% | 1,986 |
| Net charge-offs to loans | 0.1364% | 1,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 16.0638% | 1,952 |
| Efficiency ratio | 55.8738% | 5,158 |
| Assets per employee ($millions) | 4.7156% | 2,685 |
| Cash dividends to net income (ytd only)* | 25.8278% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 4,345 |
| Loan loss allowance to noncurrent loans | 190.2314% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 3,008 |
| Noncurrent loans to loans | 0.5416% | 3,448 |
| Net loans and leases to total assets | 71.7787% | 2,207 |
| Net loans and leases to deposits | 99.6691% | 718 |
| Net loans and leases to core deposits | 116.7578% | 618 |
| Total domestic deposits to total assets | 72.0170% | 5,668 |
| Equity capital to assets | 18.3756% | 307 |
| Core capital (leverage) ratio | 18.4544% | 260 |
| Tier 1 risk-based capital ratio | 23.5471% | 959 |
| Total risk-based capital ratio | 24.5039% | 966 |
| Memoranda: | ||
| Average total assets | $95,661,330 | 4,504 |
| Average earning assets | $91,241,670 | 4,435 |
| Average equity | $17,899,330 | 3,453 |
| Average total loans | $68,892,000 | 4,116 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 2,519 |
| Cost of funding earning assets | 0.6142% | 1,246 |
| Net interest margin | 3.5730% | 3,193 |
| Noninterest income to average assets | 0.1490% | 5,596 |
| Noninterest expense to average assets | 2.0345% | 5,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5067% | 840 |
| Return on assets (ROA) | 1.5067% | 882 |
| Pretax return on assets | 1.5067% | 1,562 |
| Return on Equity (ROE) | 7.9772% | 2,923 |
| Retained earnings to average equity (ytd only) | 7.9772% | 1,461 |
| Net charge-offs to loans | 0.3975% | 566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.2836% | 2,339 |
| Efficiency ratio | 57.4519% | 5,061 |
| Assets per employee ($millions) | 5.0025% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 4,473 |
| Loan loss allowance to noncurrent loans | 342.8571% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 3,568 |
| Noncurrent loans to loans | 0.2987% | 4,360 |
| Net loans and leases to total assets | 73.2027% | 1,853 |
| Net loans and leases to deposits | 96.6884% | 873 |
| Net loans and leases to core deposits | 115.7225% | 604 |
| Total domestic deposits to total assets | 75.7099% | 5,446 |
| Equity capital to assets | 18.8780% | 263 |
| Core capital (leverage) ratio | 19.2982% | 222 |
| Tier 1 risk-based capital ratio | 24.2316% | 894 |
| Total risk-based capital ratio | 25.2005% | 907 |
| Memoranda: | ||
| Average total assets | $93,978,000 | 4,575 |
| Average earning assets | $89,224,500 | 4,516 |
| Average equity | $17,750,500 | 3,469 |
| Average total loans | $67,427,500 | 4,180 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 2,819 |
| Cost of funding earning assets | 0.5731% | 1,570 |
| Net interest margin | 3.5558% | 3,299 |
| Noninterest income to average assets | 0.1270% | 5,776 |
| Noninterest expense to average assets | 2.2601% | 4,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2325% | 1,443 |
| Return on assets (ROA) | 1.2325% | 1,499 |
| Pretax return on assets | 1.2325% | 2,531 |
| Return on Equity (ROE) | 6.1095% | 3,988 |
| Retained earnings to average equity (ytd only) | 1.6905% | 4,766 |
| Net charge-offs to loans | -0.0051% | 4,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7117% | 4,131 |
| Assets per employee ($millions) | 4.8899% | 2,482 |
| Cash dividends to net income (ytd only)* | 72.3305% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 3,364 |
| Loan loss allowance to noncurrent loans | 51.5052% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.9524% | 916 |
| Noncurrent loans to loans | 2.3669% | 803 |
| Net loans and leases to total assets | 68.6381% | 2,603 |
| Net loans and leases to deposits | 88.5548% | 1,804 |
| Net loans and leases to core deposits | 105.9565% | 1,099 |
| Total domestic deposits to total assets | 77.5092% | 5,239 |
| Equity capital to assets | 18.8981% | 256 |
| Core capital (leverage) ratio | 18.7944% | 248 |
| Tier 1 risk-based capital ratio | 24.5816% | 852 |
| Total risk-based capital ratio | 25.6774% | 853 |
| Memoranda: | ||
| Average total assets | $87,383,800 | 4,723 |
| Average earning assets | $82,710,400 | 4,661 |
| Average equity | $17,628,200 | 3,437 |
| Average total loans | $58,956,800 | 4,405 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 3,029 |
| Cost of funding earning assets | 0.5571% | 1,744 |
| Net interest margin | 3.5225% | 3,455 |
| Noninterest income to average assets | 0.1395% | 5,789 |
| Noninterest expense to average assets | 2.2371% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2449% | 1,513 |
| Return on assets (ROA) | 1.2449% | 1,565 |
| Pretax return on assets | 1.2449% | 2,631 |
| Return on Equity (ROE) | 6.0674% | 4,121 |
| Retained earnings to average equity (ytd only) | 4.0651% | 3,567 |
| Net charge-offs to loans | -0.0069% | 4,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2476% | 4,201 |
| Assets per employee ($millions) | 4.9008% | 2,414 |
| Cash dividends to net income (ytd only)* | 33.0008% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 3,518 |
| Loan loss allowance to noncurrent loans | 96.4461% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.1964% | 1,976 |
| Noncurrent loans to loans | 1.2694% | 2,013 |
| Net loans and leases to total assets | 68.1891% | 2,650 |
| Net loans and leases to deposits | 88.6418% | 1,815 |
| Net loans and leases to core deposits | 106.6336% | 1,055 |
| Total domestic deposits to total assets | 76.9266% | 5,354 |
| Equity capital to assets | 19.2019% | 269 |
| Core capital (leverage) ratio | 19.5298% | 223 |
| Tier 1 risk-based capital ratio | 26.0569% | 758 |
| Total risk-based capital ratio | 27.2030% | 753 |
| Memoranda: | ||
| Average total assets | $86,002,500 | 4,805 |
| Average earning assets | $81,606,750 | 4,742 |
| Average equity | $17,645,750 | 3,455 |
| Average total loans | $57,556,500 | 4,485 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 3,163 |
| Cost of funding earning assets | 0.5406% | 1,901 |
| Net interest margin | 3.4885% | 3,546 |
| Noninterest income to average assets | 0.1674% | 5,698 |
| Noninterest expense to average assets | 2.1906% | 5,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2794% | 1,381 |
| Return on assets (ROA) | 1.2794% | 1,439 |
| Pretax return on assets | 1.2794% | 2,436 |
| Return on Equity (ROE) | 6.0907% | 4,083 |
| Retained earnings to average equity (ytd only) | 3.7797% | 3,603 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1289% | 4,494 |
| Assets per employee ($millions) | 4.5135% | 2,964 |
| Cash dividends to net income (ytd only)* | 37.9439% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 3,396 |
| Loan loss allowance to noncurrent loans | 138.5159% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.0775% | 2,358 |
| Noncurrent loans to loans | 0.9169% | 2,835 |
| Net loans and leases to total assets | 71.0706% | 2,151 |
| Net loans and leases to deposits | 93.7849% | 1,172 |
| Net loans and leases to core deposits | 105.6602% | 1,093 |
| Total domestic deposits to total assets | 75.7804% | 5,620 |
| Equity capital to assets | 20.6537% | 198 |
| Core capital (leverage) ratio | 20.4618% | 184 |
| Tier 1 risk-based capital ratio | 27.4745% | 676 |
| Total risk-based capital ratio | 28.6924% | 661 |
| Memoranda: | ||
| Average total assets | $83,631,330 | 4,906 |
| Average earning assets | $79,175,000 | 4,843 |
| Average equity | $17,567,670 | 3,484 |
| Average total loans | $55,314,670 | 4,605 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 3,680 |
| Cost of funding earning assets | 0.5331% | 1,986 |
| Net interest margin | 3.3510% | 4,017 |
| Noninterest income to average assets | 0.1453% | 5,872 |
| Noninterest expense to average assets | 2.1509% | 5,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1917% | 1,576 |
| Return on assets (ROA) | 1.1917% | 1,671 |
| Pretax return on assets | 1.1917% | 2,704 |
| Return on Equity (ROE) | 5.6243% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.6243% | 2,703 |
| Net charge-offs to loans | -0.0307% | 5,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3478% | 4,423 |
| Assets per employee ($millions) | 4.9222% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 2,464 |
| Loan loss allowance to noncurrent loans | 114.7016% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 2,229 |
| Noncurrent loans to loans | 1.3032% | 2,208 |
| Net loans and leases to total assets | 62.0569% | 3,357 |
| Net loans and leases to deposits | 81.9441% | 2,340 |
| Net loans and leases to core deposits | 91.4580% | 1,990 |
| Total domestic deposits to total assets | 75.7308% | 5,766 |
| Equity capital to assets | 21.0629% | 182 |
| Core capital (leverage) ratio | 21.2488% | 160 |
| Tier 1 risk-based capital ratio | 30.1966% | 531 |
| Total risk-based capital ratio | 31.4473% | 526 |
| Memoranda: | ||
| Average total assets | $82,568,500 | 4,974 |
| Average earning assets | $78,783,000 | 4,896 |
| Average equity | $17,495,500 | 3,522 |
| Average total loans | $52,106,000 | 4,735 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 2,891 |
| Cost of funding earning assets | 0.5789% | 1,966 |
| Net interest margin | 3.6389% | 3,259 |
| Noninterest income to average assets | 0.1554% | 5,919 |
| Noninterest expense to average assets | 2.0797% | 5,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5269% | 832 |
| Return on assets (ROA) | 1.5269% | 862 |
| Pretax return on assets | 1.5269% | 1,447 |
| Return on Equity (ROE) | 6.8669% | 3,707 |
| Retained earnings to average equity (ytd only) | -0.8231% | 5,897 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6642% | 5,498 |
| Assets per employee ($millions) | 4.5255% | 2,997 |
| Cash dividends to net income (ytd only)* | 111.9869% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 2,374 |
| Loan loss allowance to noncurrent loans | 76.4878% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.7457% | 1,520 |
| Noncurrent loans to loans | 1.9904% | 1,397 |
| Net loans and leases to total assets | 62.2546% | 3,466 |
| Net loans and leases to deposits | 82.9671% | 2,344 |
| Net loans and leases to core deposits | 93.1213% | 1,979 |
| Total domestic deposits to total assets | 75.0353% | 5,858 |
| Equity capital to assets | 21.3187% | 177 |
| Core capital (leverage) ratio | 21.1664% | 165 |
| Tier 1 risk-based capital ratio | 29.7032% | 525 |
| Total risk-based capital ratio | 30.9543% | 517 |
| Memoranda: | ||
| Average total assets | $79,771,200 | 5,067 |
| Average earning assets | $75,654,600 | 5,001 |
| Average equity | $17,737,200 | 3,427 |
| Average total loans | $50,740,400 | 4,794 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3136% | 2,568 |
| Cost of funding earning assets | 0.5831% | 1,995 |
| Net interest margin | 3.7305% | 2,896 |
| Noninterest income to average assets | 0.1579% | 5,964 |
| Noninterest expense to average assets | 2.0113% | 5,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6837% | 631 |
| Return on assets (ROA) | 1.6837% | 658 |
| Pretax return on assets | 1.6837% | 1,102 |
| Return on Equity (ROE) | 7.4928% | 3,445 |
| Retained earnings to average equity (ytd only) | 4.8158% | 3,204 |
| Net charge-offs to loans | -0.0290% | 5,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4338% | 5,782 |
| Assets per employee ($millions) | 4.4719% | 3,020 |
| Cash dividends to net income (ytd only)* | 35.7283% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 2,603 |
| Loan loss allowance to noncurrent loans | 147.2222% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 1.0957% | 2,760 |
| Noncurrent loans to loans | 1.0350% | 3,003 |
| Net loans and leases to total assets | 63.8313% | 3,203 |
| Net loans and leases to deposits | 86.8906% | 1,803 |
| Net loans and leases to core deposits | 96.1021% | 1,668 |
| Total domestic deposits to total assets | 73.4617% | 6,057 |
| Equity capital to assets | 22.5530% | 144 |
| Core capital (leverage) ratio | 22.2730% | 136 |
| Tier 1 risk-based capital ratio | 31.2302% | 470 |
| Total risk-based capital ratio | 32.4814% | 460 |
| Memoranda: | ||
| Average total assets | $79,349,250 | 5,137 |
| Average earning assets | $75,233,000 | 5,058 |
| Average equity | $17,830,000 | 3,437 |
| Average total loans | $50,551,500 | 4,848 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1575% | 3,114 |
| Cost of funding earning assets | 0.5825% | 2,053 |
| Net interest margin | 3.5751% | 3,464 |
| Noninterest income to average assets | 0.1646% | 5,966 |
| Noninterest expense to average assets | 2.0236% | 5,788 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5297% | 827 |
| Return on assets (ROA) | 1.5247% | 865 |
| Pretax return on assets | 1.5247% | 1,462 |
| Return on Equity (ROE) | 6.7938% | 3,718 |
| Retained earnings to average equity (ytd only) | 4.1530% | 3,530 |
| Net charge-offs to loans | -0.0360% | 5,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9494% | 5,661 |
| Assets per employee ($millions) | 4.4840% | 2,943 |
| Cash dividends to net income (ytd only)* | 38.8704% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 2,642 |
| Loan loss allowance to noncurrent loans | 75.5958% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.7383% | 1,874 |
| Noncurrent loans to loans | 2.0587% | 1,631 |
| Net loans and leases to total assets | 62.1481% | 3,375 |
| Net loans and leases to deposits | 84.3226% | 2,002 |
| Net loans and leases to core deposits | 94.9533% | 1,689 |
| Total domestic deposits to total assets | 73.7028% | 6,135 |
| Equity capital to assets | 22.1504% | 142 |
| Core capital (leverage) ratio | 21.9480% | 133 |
| Tier 1 risk-based capital ratio | 31.1350% | 479 |
| Total risk-based capital ratio | 32.3871% | 473 |
| Memoranda: | ||
| Average total assets | $78,967,330 | 5,182 |
| Average earning assets | $74,852,000 | 5,113 |
| Average equity | $17,722,000 | 3,449 |
| Average total loans | $50,010,000 | 4,895 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 2,991 |
| Cost of funding earning assets | 0.5840% | 2,129 |
| Net interest margin | 3.5851% | 3,314 |
| Noninterest income to average assets | 0.1690% | 5,963 |
| Noninterest expense to average assets | 2.1615% | 5,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4034% | 981 |
| Return on assets (ROA) | 1.4034% | 1,025 |
| Pretax return on assets | 1.4034% | 1,732 |
| Return on Equity (ROE) | 6.2117% | 3,905 |
| Retained earnings to average equity (ytd only) | 6.2117% | 2,430 |
| Net charge-offs to loans | -0.0727% | 5,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6322% | 5,314 |
| Assets per employee ($millions) | 4.3683% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 2,904 |
| Loan loss allowance to noncurrent loans | 88.9013% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.5999% | 2,200 |
| Noncurrent loans to loans | 1.7481% | 2,210 |
| Net loans and leases to total assets | 63.8861% | 2,910 |
| Net loans and leases to deposits | 83.9722% | 1,820 |
| Net loans and leases to core deposits | 95.3785% | 1,437 |
| Total domestic deposits to total assets | 76.0801% | 6,069 |
| Equity capital to assets | 22.6125% | 134 |
| Core capital (leverage) ratio | 22.6181% | 124 |
| Tier 1 risk-based capital ratio | 31.5300% | 465 |
| Total risk-based capital ratio | 32.7823% | 459 |
| Memoranda: | ||
| Average total assets | $78,095,000 | 5,255 |
| Average earning assets | $73,973,000 | 5,179 |
| Average equity | $17,644,000 | 3,461 |
| Average total loans | $49,538,000 | 4,947 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 4,290 |
| Cost of funding earning assets | 0.6621% | 2,103 |
| Net interest margin | 3.2865% | 4,715 |
| Noninterest income to average assets | 0.1495% | 6,190 |
| Noninterest expense to average assets | 2.0216% | 5,989 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2393% | 1,424 |
| Return on assets (ROA) | 1.2453% | 1,463 |
| Pretax return on assets | 1.2453% | 2,387 |
| Return on Equity (ROE) | 5.9258% | 4,129 |
| Retained earnings to average equity (ytd only) | 1.9906% | 4,820 |
| Net charge-offs to loans | 0.0271% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 79.0769% | 553 |
| Efficiency ratio | 61.9963% | 5,216 |
| Assets per employee ($millions) | 4.0822% | 3,691 |
| Cash dividends to net income (ytd only)* | 66.4085% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 2,644 |
| Loan loss allowance to noncurrent loans | 81.4969% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.7122% | 2,151 |
| Noncurrent loans to loans | 2.0021% | 1,990 |
| Net loans and leases to total assets | 60.9404% | 3,547 |
| Net loans and leases to deposits | 80.2574% | 2,420 |
| Net loans and leases to core deposits | 89.6089% | 2,069 |
| Total domestic deposits to total assets | 75.9312% | 6,098 |
| Equity capital to assets | 22.5732% | 131 |
| Core capital (leverage) ratio | 22.1665% | 130 |
| Tier 1 risk-based capital ratio | 32.4866% | 414 |
| Total risk-based capital ratio | 33.7391% | 408 |
| Memoranda: | ||
| Average total assets | $82,952,800 | 5,167 |
| Average earning assets | $78,534,200 | 5,073 |
| Average equity | $17,432,200 | 3,502 |
| Average total loans | $47,927,000 | 5,028 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 4,573 |
| Cost of funding earning assets | 0.6599% | 2,266 |
| Net interest margin | 3.2209% | 4,929 |
| Noninterest income to average assets | 0.1502% | 6,284 |
| Noninterest expense to average assets | 1.9232% | 6,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2763% | 1,410 |
| Return on assets (ROA) | 1.2858% | 1,453 |
| Pretax return on assets | 1.2858% | 2,385 |
| Return on Equity (ROE) | 6.2250% | 4,062 |
| Retained earnings to average equity (ytd only) | 3.3613% | 4,290 |
| Net charge-offs to loans | 0.0139% | 4,856 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 161.3148% | 349 |
| Efficiency ratio | 60.1087% | 5,417 |
| Assets per employee ($millions) | 4.1874% | 3,452 |
| Cash dividends to net income (ytd only)* | 46.0022% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 2,990 |
| Loan loss allowance to noncurrent loans | 69.5347% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.8917% | 2,144 |
| Noncurrent loans to loans | 2.3059% | 1,902 |
| Net loans and leases to total assets | 61.0897% | 3,510 |
| Net loans and leases to deposits | 80.0590% | 2,402 |
| Net loans and leases to core deposits | 91.5380% | 1,813 |
| Total domestic deposits to total assets | 76.3059% | 6,136 |
| Equity capital to assets | 22.1355% | 142 |
| Core capital (leverage) ratio | 21.7157% | 143 |
| Tier 1 risk-based capital ratio | 31.9066% | 441 |
| Total risk-based capital ratio | 33.1598% | 436 |
| Memoranda: | ||
| Average total assets | $84,300,750 | 5,180 |
| Average earning assets | $79,809,250 | 5,095 |
| Average equity | $17,413,250 | 3,544 |
| Average total loans | $47,896,250 | 5,080 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7885% | 4,867 |
| Cost of funding earning assets | 0.6615% | 2,390 |
| Net interest margin | 3.1271% | 5,197 |
| Noninterest income to average assets | 0.1467% | 6,316 |
| Noninterest expense to average assets | 1.8654% | 6,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2319% | 1,509 |
| Return on assets (ROA) | 1.2343% | 1,603 |
| Pretax return on assets | 1.2343% | 2,544 |
| Return on Equity (ROE) | 6.1105% | 4,105 |
| Retained earnings to average equity (ytd only) | 3.2282% | 4,254 |
| Net charge-offs to loans | 0.0211% | 4,417 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 105.8000% | 446 |
| Efficiency ratio | 60.2256% | 5,455 |
| Assets per employee ($millions) | 4.5468% | 2,744 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 3,061 |
| Loan loss allowance to noncurrent loans | 65.0781% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.8324% | 2,366 |
| Noncurrent loans to loans | 2.5010% | 1,850 |
| Net loans and leases to total assets | 55.4098% | 4,384 |
| Net loans and leases to deposits | 70.8086% | 3,615 |
| Net loans and leases to core deposits | 80.7708% | 2,941 |
| Total domestic deposits to total assets | 78.2530% | 5,934 |
| Equity capital to assets | 20.1982% | 197 |
| Core capital (leverage) ratio | 20.2222% | 183 |
| Tier 1 risk-based capital ratio | 31.3167% | 463 |
| Total risk-based capital ratio | 32.5687% | 458 |
| Memoranda: | ||
| Average total assets | $85,881,000 | 5,161 |
| Average earning assets | $81,033,670 | 5,087 |
| Average equity | $17,347,330 | 3,571 |
| Average total loans | $47,396,670 | 5,125 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8013% | 4,820 |
| Cost of funding earning assets | 0.6691% | 2,487 |
| Net interest margin | 3.1322% | 5,156 |
| Noninterest income to average assets | 0.1495% | 6,357 |
| Noninterest expense to average assets | 1.9807% | 6,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1211% | 1,772 |
| Return on assets (ROA) | 1.1352% | 1,846 |
| Pretax return on assets | 1.1352% | 2,838 |
| Return on Equity (ROE) | 5.6196% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.6196% | 2,886 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8554% | 5,029 |
| Assets per employee ($millions) | 4.5061% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7347% | 2,861 |
| Loan loss allowance to noncurrent loans | 101.6582% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.3432% | 3,271 |
| Noncurrent loans to loans | 1.7064% | 2,986 |
| Net loans and leases to total assets | 52.7320% | 4,592 |
| Net loans and leases to deposits | 67.1880% | 3,887 |
| Net loans and leases to core deposits | 77.4750% | 3,134 |
| Total domestic deposits to total assets | 78.4842% | 6,051 |
| Equity capital to assets | 20.3443% | 205 |
| Core capital (leverage) ratio | 20.1906% | 184 |
| Tier 1 risk-based capital ratio | 32.6974% | 425 |
| Total risk-based capital ratio | 33.9511% | 414 |
| Memoranda: | ||
| Average total assets | $85,627,000 | 5,214 |
| Average earning assets | $80,710,000 | 5,131 |
| Average equity | $17,296,500 | 3,617 |
| Average total loans | $46,765,000 | 5,179 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 5,156 |
| Cost of funding earning assets | 0.6852% | 3,612 |
| Net interest margin | 3.3621% | 5,029 |
| Noninterest income to average assets | 0.1461% | 6,305 |
| Noninterest expense to average assets | 2.0414% | 6,251 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2797% | 1,368 |
| Return on assets (ROA) | 1.2833% | 1,504 |
| Pretax return on assets | 1.2833% | 2,475 |
| Return on Equity (ROE) | 6.2250% | 4,057 |
| Retained earnings to average equity (ytd only) | 2.3249% | 4,599 |
| Net charge-offs to loans | 0.2185% | 3,642 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 10.7071% | 2,114 |
| Efficiency ratio | 61.4686% | 5,319 |
| Assets per employee ($millions) | 4.5073% | 2,951 |
| Cash dividends to net income (ytd only)* | 62.6529% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6749% | 3,027 |
| Loan loss allowance to noncurrent loans | 82.9344% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.5495% | 3,063 |
| Noncurrent loans to loans | 2.0195% | 2,673 |
| Net loans and leases to total assets | 54.6358% | 4,521 |
| Net loans and leases to deposits | 69.3170% | 3,790 |
| Net loans and leases to core deposits | 74.2023% | 3,758 |
| Total domestic deposits to total assets | 78.8201% | 5,930 |
| Equity capital to assets | 20.0553% | 219 |
| Core capital (leverage) ratio | 20.3538% | 179 |
| Tier 1 risk-based capital ratio | 31.4741% | 452 |
| Total risk-based capital ratio | 32.7272% | 443 |
| Memoranda: | ||
| Average total assets | $82,834,600 | 5,276 |
| Average earning assets | $78,224,400 | 5,177 |
| Average equity | $17,076,200 | 3,617 |
| Average total loans | $45,300,200 | 5,275 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0447% | 5,378 |
| Cost of funding earning assets | 0.6884% | 3,871 |
| Net interest margin | 3.3563% | 5,194 |
| Noninterest income to average assets | 0.1493% | 6,403 |
| Noninterest expense to average assets | 1.9821% | 6,378 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3490% | 1,328 |
| Return on assets (ROA) | 1.3539% | 1,461 |
| Pretax return on assets | 1.3539% | 2,400 |
| Return on Equity (ROE) | 6.5212% | 4,052 |
| Retained earnings to average equity (ytd only) | 3.7454% | 4,259 |
| Net charge-offs to loans | 0.2951% | 2,960 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 8.3937% | 2,453 |
| Efficiency ratio | 59.5029% | 5,580 |
| Assets per employee ($millions) | 4.3725% | 3,123 |
| Cash dividends to net income (ytd only)* | 42.5659% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 2,904 |
| Loan loss allowance to noncurrent loans | 56.0084% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 2.1534% | 2,488 |
| Noncurrent loans to loans | 3.1558% | 1,755 |
| Net loans and leases to total assets | 53.3180% | 4,851 |
| Net loans and leases to deposits | 68.2480% | 4,144 |
| Net loans and leases to core deposits | 72.9736% | 4,123 |
| Total domestic deposits to total assets | 78.1239% | 6,050 |
| Equity capital to assets | 20.7615% | 213 |
| Core capital (leverage) ratio | 20.6456% | 184 |
| Tier 1 risk-based capital ratio | 32.9737% | 406 |
| Total risk-based capital ratio | 34.2267% | 403 |
| Memoranda: | ||
| Average total assets | $82,133,750 | 5,347 |
| Average earning assets | $77,861,750 | 5,246 |
| Average equity | $17,051,500 | 3,646 |
| Average total loans | $44,728,750 | 5,359 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 5,393 |
| Cost of funding earning assets | 0.6927% | 4,076 |
| Net interest margin | 3.3861% | 5,134 |
| Noninterest income to average assets | 0.1540% | 6,429 |
| Noninterest expense to average assets | 1.9971% | 6,440 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3713% | 1,254 |
| Return on assets (ROA) | 1.3786% | 1,393 |
| Pretax return on assets | 1.3786% | 2,298 |
| Return on Equity (ROE) | 6.6408% | 3,971 |
| Retained earnings to average equity (ytd only) | 4.2977% | 3,751 |
| Net charge-offs to loans | 0.4439% | 2,272 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,785 |
| Efficiency ratio | 59.2888% | 5,694 |
| Assets per employee ($millions) | 4.3626% | 3,144 |
| Cash dividends to net income (ytd only)* | 35.2837% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7169% | 3,153 |
| Loan loss allowance to noncurrent loans | 103.5065% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.3705% | 3,697 |
| Noncurrent loans to loans | 1.6587% | 3,409 |
| Net loans and leases to total assets | 55.0428% | 4,622 |
| Net loans and leases to deposits | 70.3927% | 3,839 |
| Net loans and leases to core deposits | 74.9437% | 3,894 |
| Total domestic deposits to total assets | 78.1940% | 6,118 |
| Equity capital to assets | 20.6647% | 215 |
| Core capital (leverage) ratio | 20.6356% | 177 |
| Tier 1 risk-based capital ratio | 31.9125% | 444 |
| Total risk-based capital ratio | 33.1650% | 439 |
| Memoranda: | ||
| Average total assets | $81,819,330 | 5,385 |
| Average earning assets | $77,670,000 | 5,280 |
| Average equity | $16,986,000 | 3,645 |
| Average total loans | $44,607,670 | 5,402 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 5,536 |
| Cost of funding earning assets | 0.7010% | 4,277 |
| Net interest margin | 3.3762% | 5,216 |
| Noninterest income to average assets | 0.1673% | 6,384 |
| Noninterest expense to average assets | 2.0767% | 6,318 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3139% | 1,419 |
| Return on assets (ROA) | 1.3336% | 1,529 |
| Pretax return on assets | 1.3336% | 2,413 |
| Return on Equity (ROE) | 6.4087% | 4,086 |
| Retained earnings to average equity (ytd only) | 6.4087% | 2,736 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2482% | 5,414 |
| Assets per employee ($millions) | 4.3277% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0774% | 2,152 |
| Loan loss allowance to noncurrent loans | 54.1063% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 2.4712% | 2,395 |
| Noncurrent loans to loans | 3.8396% | 1,611 |
| Net loans and leases to total assets | 51.3633% | 5,097 |
| Net loans and leases to deposits | 65.3544% | 4,453 |
| Net loans and leases to core deposits | 69.5840% | 4,484 |
| Total domestic deposits to total assets | 78.5919% | 6,164 |
| Equity capital to assets | 20.7319% | 200 |
| Core capital (leverage) ratio | 20.8133% | 167 |
| Tier 1 risk-based capital ratio | 33.8596% | 369 |
| Total risk-based capital ratio | 35.1163% | 364 |
| Memoranda: | ||
| Average total assets | $81,284,000 | 5,433 |
| Average earning assets | $77,603,000 | 5,311 |
| Average equity | $16,914,500 | 3,663 |
| Average total loans | $43,700,500 | 5,481 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 5,670 |
| Cost of funding earning assets | 0.8449% | 4,505 |
| Net interest margin | 3.4820% | 5,214 |
| Noninterest income to average assets | 0.1398% | 6,454 |
| Noninterest expense to average assets | 1.9904% | 6,690 |
| Loan and lease loss provision to assets | 0.1216% | 5,085 |
| Net operating income to assets | 1.3399% | 1,159 |
| Return on assets (ROA) | 1.3472% | 1,238 |
| Pretax return on assets | 1.3472% | 1,959 |
| Return on Equity (ROE) | 6.6911% | 3,543 |
| Retained earnings to average equity (ytd only) | 2.4095% | 4,503 |
| Net charge-offs to loans | 0.1212% | 5,174 |
| Credit loss provision to net charge-offs | 175.4386% | 1,499 |
| Earnings coverage of net charge-offs (x) | 21.0877% | 1,108 |
| Efficiency ratio | 57.6611% | 6,094 |
| Assets per employee ($millions) | 4.2285% | 3,416 |
| Cash dividends to net income (ytd only)* | 63.9892% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0239% | 2,198 |
| Loan loss allowance to noncurrent loans | 63.0098% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 2.2255% | 2,705 |
| Noncurrent loans to loans | 3.2120% | 2,014 |
| Net loans and leases to total assets | 53.9880% | 5,037 |
| Net loans and leases to deposits | 68.6726% | 4,337 |
| Net loans and leases to core deposits | 72.2676% | 4,482 |
| Total domestic deposits to total assets | 78.6164% | 6,068 |
| Equity capital to assets | 20.8882% | 190 |
| Core capital (leverage) ratio | 20.2521% | 192 |
| Tier 1 risk-based capital ratio | 32.8067% | 396 |
| Total risk-based capital ratio | 34.0636% | 392 |
| Memoranda: | ||
| Average total assets | $82,244,400 | 5,394 |
| Average earning assets | $78,231,400 | 5,287 |
| Average equity | $16,559,200 | 3,641 |
| Average total loans | $47,047,800 | 5,379 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 5,455 |
| Cost of funding earning assets | 0.8765% | 4,574 |
| Net interest margin | 3.5657% | 4,917 |
| Noninterest income to average assets | 0.1370% | 6,565 |
| Noninterest expense to average assets | 1.9503% | 6,784 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5699% | 816 |
| Return on assets (ROA) | 1.4748% | 1,080 |
| Pretax return on assets | 1.4748% | 1,723 |
| Return on Equity (ROE) | 7.3922% | 3,338 |
| Retained earnings to average equity (ytd only) | 2.9245% | 4,600 |
| Net charge-offs to loans | 0.0447% | 5,542 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 60.8828% | 542 |
| Efficiency ratio | 55.4029% | 6,349 |
| Assets per employee ($millions) | 4.3477% | 3,186 |
| Cash dividends to net income (ytd only)* | 60.4367% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 3,149 |
| Loan loss allowance to noncurrent loans | 50.2703% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 2.4586% | 2,620 |
| Noncurrent loans to loans | 3.4525% | 1,988 |
| Net loans and leases to total assets | 57.3668% | 4,614 |
| Net loans and leases to deposits | 72.4027% | 3,918 |
| Net loans and leases to core deposits | 77.3206% | 4,002 |
| Total domestic deposits to total assets | 79.2330% | 5,941 |
| Equity capital to assets | 20.2743% | 236 |
| Core capital (leverage) ratio | 20.1206% | 216 |
| Tier 1 risk-based capital ratio | 30.9303% | 495 |
| Total risk-based capital ratio | 32.1845% | 485 |
| Memoranda: | ||
| Average total assets | $82,720,000 | 5,418 |
| Average earning assets | $78,487,500 | 5,313 |
| Average equity | $16,503,500 | 3,660 |
| Average total loans | $47,742,000 | 5,395 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3477% | 5,852 |
| Cost of funding earning assets | 0.8919% | 4,746 |
| Net interest margin | 3.4558% | 5,340 |
| Noninterest income to average assets | 0.1329% | 6,656 |
| Noninterest expense to average assets | 1.9938% | 6,811 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4258% | 1,035 |
| Return on assets (ROA) | 1.2833% | 1,429 |
| Pretax return on assets | 1.2833% | 2,192 |
| Return on Equity (ROE) | 6.4669% | 3,725 |
| Retained earnings to average equity (ytd only) | 1.1570% | 5,399 |
| Net charge-offs to loans | 0.0715% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 34.7059% | 828 |
| Efficiency ratio | 58.3039% | 6,121 |
| Assets per employee ($millions) | 4.2768% | 3,204 |
| Cash dividends to net income (ytd only)* | 82.1092% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6936% | 3,346 |
| Loan loss allowance to noncurrent loans | 73.3333% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.8533% | 3,435 |
| Noncurrent loans to loans | 2.3095% | 3,086 |
| Net loans and leases to total assets | 59.7177% | 4,329 |
| Net loans and leases to deposits | 75.1712% | 3,619 |
| Net loans and leases to core deposits | 80.3357% | 3,737 |
| Total domestic deposits to total assets | 79.4423% | 5,966 |
| Equity capital to assets | 20.3067% | 244 |
| Core capital (leverage) ratio | 19.7257% | 241 |
| Tier 1 risk-based capital ratio | 30.3858% | 515 |
| Total risk-based capital ratio | 31.6398% | 505 |
| Memoranda: | ||
| Average total assets | $82,757,670 | 5,463 |
| Average earning assets | $78,708,000 | 5,355 |
| Average equity | $16,422,000 | 3,666 |
| Average total loans | $47,580,670 | 5,455 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 5,930 |
| Cost of funding earning assets | 0.9126% | 4,832 |
| Net interest margin | 3.4135% | 5,377 |
| Noninterest income to average assets | 0.1293% | 6,769 |
| Noninterest expense to average assets | 1.8921% | 7,000 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4801% | 908 |
| Return on assets (ROA) | 1.1975% | 1,576 |
| Pretax return on assets | 1.1975% | 2,380 |
| Return on Equity (ROE) | 6.1041% | 3,840 |
| Retained earnings to average equity (ytd only) | -1.5138% | 6,075 |
| Net charge-offs to loans | 0.1199% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 22.0714% | 1,064 |
| Efficiency ratio | 56.1080% | 6,491 |
| Assets per employee ($millions) | 4.3982% | 3,041 |
| Cash dividends to net income (ytd only)* | 124.8000% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 2,956 |
| Loan loss allowance to noncurrent loans | 72.7036% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.8189% | 3,544 |
| Noncurrent loans to loans | 2.4999% | 2,984 |
| Net loans and leases to total assets | 54.2368% | 5,271 |
| Net loans and leases to deposits | 67.7676% | 4,711 |
| Net loans and leases to core deposits | 73.0710% | 4,641 |
| Total domestic deposits to total assets | 80.0335% | 5,936 |
| Equity capital to assets | 19.5620% | 278 |
| Core capital (leverage) ratio | 19.4616% | 252 |
| Tier 1 risk-based capital ratio | 31.8138% | 443 |
| Total risk-based capital ratio | 33.0691% | 437 |
| Memoranda: | ||
| Average total assets | $83,507,000 | 5,482 |
| Average earning assets | $79,332,500 | 5,380 |
| Average equity | $16,382,500 | 3,660 |
| Average total loans | $46,690,000 | 5,538 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7517% | 5,612 |
| Cost of funding earning assets | 1.1478% | 4,864 |
| Net interest margin | 3.6039% | 4,802 |
| Noninterest income to average assets | 0.1072% | 6,855 |
| Noninterest expense to average assets | 1.9939% | 7,033 |
| Loan and lease loss provision to assets | 0.1827% | 5,396 |
| Net operating income to assets | 1.3496% | 1,054 |
| Return on assets (ROA) | 1.3422% | 1,146 |
| Pretax return on assets | 1.3422% | 1,827 |
| Return on Equity (ROE) | 6.8448% | 3,187 |
| Retained earnings to average equity (ytd only) | 2.8758% | 3,840 |
| Net charge-offs to loans | 0.4723% | 3,733 |
| Credit loss provision to net charge-offs | 64.1026% | 6,006 |
| Earnings coverage of net charge-offs (x) | 5.3761% | 2,641 |
| Efficiency ratio | 56.5458% | 6,518 |
| Assets per employee ($millions) | 4.3921% | 3,047 |
| Cash dividends to net income (ytd only)* | 57.9855% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8065% | 2,841 |
| Loan loss allowance to noncurrent loans | 123.9826% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 1.2630% | 4,505 |
| Noncurrent loans to loans | 1.4571% | 4,300 |
| Net loans and leases to total assets | 55.5609% | 5,408 |
| Net loans and leases to deposits | 69.5107% | 4,880 |
| Net loans and leases to core deposits | 73.7932% | 4,998 |
| Total domestic deposits to total assets | 79.9315% | 5,856 |
| Equity capital to assets | 19.6743% | 276 |
| Core capital (leverage) ratio | 19.9466% | 240 |
| Tier 1 risk-based capital ratio | 31.7034% | 439 |
| Total risk-based capital ratio | 32.9593% | 430 |
| Memoranda: | ||
| Average total assets | $82,101,000 | 5,528 |
| Average earning assets | $77,888,200 | 5,409 |
| Average equity | $16,099,800 | 3,737 |
| Average total loans | $49,540,400 | 5,503 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7897% | 5,707 |
| Cost of funding earning assets | 1.1888% | 4,918 |
| Net interest margin | 3.6009% | 4,873 |
| Noninterest income to average assets | 0.1076% | 7,014 |
| Noninterest expense to average assets | 1.9666% | 7,108 |
| Loan and lease loss provision to assets | 0.0815% | 6,229 |
| Net operating income to assets | 1.4774% | 959 |
| Return on assets (ROA) | 1.4676% | 1,059 |
| Pretax return on assets | 1.4676% | 1,696 |
| Return on Equity (ROE) | 7.4903% | 3,110 |
| Retained earnings to average equity (ytd only) | 3.2125% | 4,179 |
| Net charge-offs to loans | 0.1303% | 5,251 |
| Credit loss provision to net charge-offs | 102.0408% | 4,219 |
| Earnings coverage of net charge-offs (x) | 19.5106% | 1,208 |
| Efficiency ratio | 55.7817% | 6,587 |
| Assets per employee ($millions) | 4.2160% | 3,419 |
| Cash dividends to net income (ytd only)* | 57.1114% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8946% | 2,495 |
| Loan loss allowance to noncurrent loans | 114.1119% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 1.6079% | 4,039 |
| Noncurrent loans to loans | 1.6603% | 4,154 |
| Net loans and leases to total assets | 60.6337% | 4,793 |
| Net loans and leases to deposits | 76.5943% | 4,071 |
| Net loans and leases to core deposits | 79.8941% | 4,535 |
| Total domestic deposits to total assets | 79.1621% | 5,979 |
| Equity capital to assets | 20.3835% | 264 |
| Core capital (leverage) ratio | 19.9701% | 248 |
| Tier 1 risk-based capital ratio | 31.1610% | 464 |
| Total risk-based capital ratio | 32.4185% | 456 |
| Memoranda: | ||
| Average total assets | $81,764,000 | 5,609 |
| Average earning assets | $77,608,250 | 5,494 |
| Average equity | $16,020,250 | 3,801 |
| Average total loans | $50,121,000 | 5,564 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7023% | 6,141 |
| Cost of funding earning assets | 1.2101% | 5,070 |
| Net interest margin | 3.4922% | 5,280 |
| Noninterest income to average assets | 0.1263% | 6,963 |
| Noninterest expense to average assets | 1.9510% | 7,184 |
| Loan and lease loss provision to assets | 0.1215% | 5,686 |
| Net operating income to assets | 1.3703% | 1,149 |
| Return on assets (ROA) | 1.3582% | 1,245 |
| Pretax return on assets | 1.3582% | 1,924 |
| Return on Equity (ROE) | 7.0236% | 3,290 |
| Retained earnings to average equity (ytd only) | 1.3444% | 5,212 |
| Net charge-offs to loans | 0.1987% | 4,416 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 12.2800% | 1,690 |
| Efficiency ratio | 56.6690% | 6,549 |
| Assets per employee ($millions) | 4.2470% | 3,307 |
| Cash dividends to net income (ytd only)* | 80.8587% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8280% | 2,636 |
| Loan loss allowance to noncurrent loans | 182.2957% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 1.2888% | 4,571 |
| Noncurrent loans to loans | 1.0028% | 5,307 |
| Net loans and leases to total assets | 62.3623% | 4,610 |
| Net loans and leases to deposits | 78.2613% | 3,921 |
| Net loans and leases to core deposits | 81.9483% | 4,427 |
| Total domestic deposits to total assets | 79.6847% | 5,825 |
| Equity capital to assets | 19.8815% | 288 |
| Core capital (leverage) ratio | 19.5568% | 269 |
| Tier 1 risk-based capital ratio | 29.8222% | 518 |
| Total risk-based capital ratio | 31.0802% | 504 |
| Memoranda: | ||
| Average total assets | $82,317,330 | 5,615 |
| Average earning assets | $78,174,330 | 5,499 |
| Average equity | $15,917,670 | 3,816 |
| Average total loans | $50,325,330 | 5,591 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5307% | 6,728 |
| Cost of funding earning assets | 1.2173% | 5,299 |
| Net interest margin | 3.3134% | 5,918 |
| Noninterest income to average assets | 0.1203% | 7,089 |
| Noninterest expense to average assets | 2.0258% | 7,113 |
| Loan and lease loss provision to assets | 0.2406% | 4,119 |
| Net operating income to assets | 1.0105% | 2,141 |
| Return on assets (ROA) | 0.9864% | 2,294 |
| Pretax return on assets | 0.9864% | 3,140 |
| Return on Equity (ROE) | 5.1719% | 4,275 |
| Retained earnings to average equity (ytd only) | -2.6995% | 6,324 |
| Net charge-offs to loans | -0.1925% | 7,668 |
| Credit loss provision to net charge-offs | -208.3333% | 6,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8209% | 5,866 |
| Assets per employee ($millions) | 4.3164% | 3,260 |
| Cash dividends to net income (ytd only)* | 152.1951% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0295% | 2,109 |
| Loan loss allowance to noncurrent loans | 159.9684% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 1.3718% | 4,456 |
| Noncurrent loans to loans | 1.2687% | 4,863 |
| Net loans and leases to total assets | 59.5079% | 5,200 |
| Net loans and leases to deposits | 74.0932% | 4,726 |
| Net loans and leases to core deposits | 79.5861% | 4,812 |
| Total domestic deposits to total assets | 80.3148% | 5,681 |
| Equity capital to assets | 19.2864% | 319 |
| Core capital (leverage) ratio | 19.2192% | 299 |
| Tier 1 risk-based capital ratio | 29.9548% | 530 |
| Total risk-based capital ratio | 31.2147% | 511 |
| Memoranda: | ||
| Average total assets | $83,129,500 | 5,661 |
| Average earning assets | $79,192,500 | 5,535 |
| Average equity | $15,855,000 | 3,854 |
| Average total loans | $49,858,500 | 5,676 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2440% | 5,439 |
| Cost of funding earning assets | 1.4551% | 5,699 |
| Net interest margin | 3.7889% | 3,756 |
| Noninterest income to average assets | 0.1281% | 7,110 |
| Noninterest expense to average assets | 1.9641% | 7,422 |
| Loan and lease loss provision to assets | 0.3263% | 4,855 |
| Net operating income to assets | 1.4601% | 734 |
| Return on assets (ROA) | 1.4686% | 782 |
| Pretax return on assets | 1.4686% | 1,263 |
| Return on Equity (ROE) | 7.7510% | 2,478 |
| Retained earnings to average equity (ytd only) | 2.0287% | 3,688 |
| Net charge-offs to loans | 0.5239% | 3,687 |
| Credit loss provision to net charge-offs | 107.1429% | 5,171 |
| Earnings coverage of net charge-offs (x) | 5.8651% | 2,482 |
| Efficiency ratio | 52.3687% | 7,360 |
| Assets per employee ($millions) | 4.4341% | 3,043 |
| Cash dividends to net income (ytd only)* | 73.8272% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 2,323 |
| Loan loss allowance to noncurrent loans | 101.2973% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.6831% | 3,842 |
| Noncurrent loans to loans | 1.8536% | 3,859 |
| Net loans and leases to total assets | 58.1213% | 5,646 |
| Net loans and leases to deposits | 71.9200% | 5,340 |
| Net loans and leases to core deposits | 90.9017% | 5,032 |
| Total domestic deposits to total assets | 80.8138% | 5,403 |
| Equity capital to assets | 18.8645% | 379 |
| Core capital (leverage) ratio | 19.1280% | 331 |
| Tier 1 risk-based capital ratio | 29.6493% | 544 |
| Total risk-based capital ratio | 30.9047% | 526 |
| Memoranda: | ||
| Average total assets | $82,734,600 | 5,642 |
| Average earning assets | $79,100,000 | 5,486 |
| Average equity | $15,675,400 | 3,930 |
| Average total loans | $48,104,800 | 5,752 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2641% | 5,606 |
| Cost of funding earning assets | 1.4825% | 5,896 |
| Net interest margin | 3.7816% | 3,729 |
| Noninterest income to average assets | 0.1311% | 7,223 |
| Noninterest expense to average assets | 1.8747% | 7,576 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8780% | 376 |
| Return on assets (ROA) | 1.8585% | 416 |
| Pretax return on assets | 1.8585% | 718 |
| Return on Equity (ROE) | 9.7985% | 1,998 |
| Retained earnings to average equity (ytd only) | 2.6715% | 3,833 |
| Net charge-offs to loans | -0.0196% | 7,762 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9569% | 7,558 |
| Assets per employee ($millions) | 4.2623% | 3,267 |
| Cash dividends to net income (ytd only)* | 72.7354% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 2,498 |
| Loan loss allowance to noncurrent loans | 52.2868% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 2.1869% | 3,113 |
| Noncurrent loans to loans | 3.3213% | 2,273 |
| Net loans and leases to total assets | 64.6992% | 4,713 |
| Net loans and leases to deposits | 81.0080% | 4,193 |
| Net loans and leases to core deposits | 102.9310% | 4,059 |
| Total domestic deposits to total assets | 79.8676% | 5,486 |
| Equity capital to assets | 19.6212% | 366 |
| Core capital (leverage) ratio | 19.3119% | 356 |
| Tier 1 risk-based capital ratio | 29.0223% | 623 |
| Total risk-based capital ratio | 30.2771% | 607 |
| Memoranda: | ||
| Average total assets | $82,356,250 | 5,680 |
| Average earning assets | $78,871,500 | 5,527 |
| Average equity | $15,621,000 | 3,979 |
| Average total loans | $47,655,250 | 5,819 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2905% | 5,696 |
| Cost of funding earning assets | 1.5184% | 6,064 |
| Net interest margin | 3.7721% | 3,664 |
| Noninterest income to average assets | 0.1304% | 7,308 |
| Noninterest expense to average assets | 1.9248% | 7,594 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8113% | 449 |
| Return on assets (ROA) | 1.7823% | 526 |
| Pretax return on assets | 1.7823% | 875 |
| Return on Equity (ROE) | 9.5034% | 2,187 |
| Retained earnings to average equity (ytd only) | 0.3606% | 5,076 |
| Net charge-offs to loans | -0.0131% | 7,642 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5191% | 7,555 |
| Assets per employee ($millions) | 4.2824% | 3,149 |
| Cash dividends to net income (ytd only)* | 96.2060% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8885% | 1,823 |
| Loan loss allowance to noncurrent loans | 92.3848% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.2266% | 4,488 |
| Noncurrent loans to loans | 2.0442% | 3,455 |
| Net loans and leases to total assets | 58.8705% | 5,855 |
| Net loans and leases to deposits | 73.1745% | 5,584 |
| Net loans and leases to core deposits | 92.3107% | 5,313 |
| Total domestic deposits to total assets | 80.4523% | 5,301 |
| Equity capital to assets | 19.1790% | 445 |
| Core capital (leverage) ratio | 18.7734% | 437 |
| Tier 1 risk-based capital ratio | 30.6780% | 560 |
| Total risk-based capital ratio | 31.9500% | 545 |
| Memoranda: | ||
| Average total assets | $82,813,670 | 5,703 |
| Average earning assets | $79,161,000 | 5,560 |
| Average equity | $15,531,330 | 4,013 |
| Average total loans | $45,766,330 | 5,942 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2133% | 6,240 |
| Cost of funding earning assets | 1.5419% | 6,270 |
| Net interest margin | 3.6714% | 4,011 |
| Noninterest income to average assets | 0.1293% | 7,365 |
| Noninterest expense to average assets | 2.0206% | 7,305 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6088% | 775 |
| Return on assets (ROA) | 1.6041% | 855 |
| Pretax return on assets | 1.6041% | 1,395 |
| Return on Equity (ROE) | 8.6482% | 2,863 |
| Retained earnings to average equity (ytd only) | -4.2596% | 6,457 |
| Net charge-offs to loans | -0.0362% | 7,610 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6728% | 7,008 |
| Assets per employee ($millions) | 4.4038% | 2,878 |
| Cash dividends to net income (ytd only)* | 149.2537% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0721% | 1,285 |
| Loan loss allowance to noncurrent loans | 480.7292% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 6,837 |
| Noncurrent loans to loans | 0.4310% | 6,343 |
| Net loans and leases to total assets | 52.1327% | 6,668 |
| Net loans and leases to deposits | 64.2146% | 6,543 |
| Net loans and leases to core deposits | 80.7497% | 6,329 |
| Total domestic deposits to total assets | 81.1851% | 4,896 |
| Equity capital to assets | 18.4193% | 553 |
| Core capital (leverage) ratio | 18.3409% | 519 |
| Tier 1 risk-based capital ratio | 32.0736% | 528 |
| Total risk-based capital ratio | 33.3326% | 514 |
| Memoranda: | ||
| Average total assets | $83,538,000 | 5,686 |
| Average earning assets | $79,642,500 | 5,557 |
| Average equity | $15,494,500 | 4,043 |
| Average total loans | $44,238,500 | 6,049 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1865% | 4,585 |
| Cost of funding earning assets | 2.2627% | 5,325 |
| Net interest margin | 3.9238% | 3,464 |
| Noninterest income to average assets | 0.0918% | 7,673 |
| Noninterest expense to average assets | 1.7016% | 7,864 |
| Loan and lease loss provision to assets | 0.1789% | 5,107 |
| Net operating income to assets | 1.9961% | 355 |
| Return on assets (ROA) | 1.9460% | 383 |
| Pretax return on assets | 1.8936% | 778 |
| Return on Equity (ROE) | 10.7391% | 1,984 |
| Retained earnings to average equity (ytd only) | 4.0469% | 2,616 |
| Net charge-offs to loans | 0.0537% | 6,023 |
| Credit loss provision to net charge-offs | 600.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 71.2000% | 571 |
| Efficiency ratio | 44.4964% | 7,991 |
| Assets per employee ($millions) | 4.3896% | 2,810 |
| Cash dividends to net income (ytd only)* | 62.3162% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0918% | 1,082 |
| Loan loss allowance to noncurrent loans | 454.9505% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 6,608 |
| Noncurrent loans to loans | 0.4598% | 5,968 |
| Net loans and leases to total assets | 51.5737% | 6,885 |
| Net loans and leases to deposits | 63.7282% | 6,827 |
| Net loans and leases to core deposits | 80.3835% | 6,586 |
| Total domestic deposits to total assets | 80.9275% | 4,672 |
| Equity capital to assets | 18.6768% | 580 |
| Core capital (leverage) ratio | 18.6730% | 540 |
| Tier 1 risk-based capital ratio | 33.2998% | 502 |
| Total risk-based capital ratio | 34.5590% | 491 |
| Memoranda: | ||
| Average total assets | $83,863,000 | 5,567 |
| Average earning assets | $79,770,600 | 5,439 |
| Average equity | $15,196,800 | 4,099 |
| Average total loans | $46,563,000 | 5,846 |