Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0856% | 1,886 |
| Cost of funding earning assets | 1.1729% | 2,878 |
| Net interest margin | 3.9127% | 1,348 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.2012% | 3,127 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 2.0031% | 464 |
| Return on assets (ROA) | 2.0031% | 447 |
| Pretax return on assets | 2.0031% | 670 |
| Return on Equity (ROE) | 26.2200% | 275 |
| Retained earnings to average equity (ytd only) | 7.8657% | 1,584 |
| Net charge-offs to loans | 0.1860% | 575 |
| Credit loss provision to net charge-offs | 152.1739% | 1,461 |
| Earnings coverage of net charge-offs (x) | 18.5266% | 1,931 |
| Efficiency ratio | 50.2142% | 3,967 |
| Assets per employee ($millions) | 6.3623% | 2,508 |
| Cash dividends to net income (ytd only)* | 70.0000% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,398 |
| Loan loss allowance to noncurrent loans | 153.5755% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 1,137 |
| Noncurrent loans to loans | 0.7689% | 1,013 |
| Net loans and leases to total assets | 63.5500% | 2,502 |
| Net loans and leases to deposits | 69.8189% | 2,896 |
| Net loans and leases to core deposits | 81.5399% | 2,618 |
| Total domestic deposits to total assets | 91.0300% | 496 |
| Equity capital to assets | 8.1569% | 3,305 |
| Core capital (leverage) ratio | 11.0212% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $175,723,600 | 3,162 |
| Average earning assets | $168,986,600 | 3,103 |
| Average equity | $13,425,400 | 3,385 |
| Average total loans | $111,316,200 | 3,040 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0144% | 1,799 |
| Cost of funding earning assets | 1.0442% | 2,908 |
| Net interest margin | 3.9702% | 1,266 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.2202% | 3,025 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 2.0587% | 464 |
| Return on assets (ROA) | 2.0587% | 456 |
| Pretax return on assets | 2.0587% | 701 |
| Return on Equity (ROE) | 27.4200% | 297 |
| Retained earnings to average equity (ytd only) | 11.1945% | 1,131 |
| Net charge-offs to loans | 0.1701% | 504 |
| Credit loss provision to net charge-offs | 166.6667% | 1,246 |
| Earnings coverage of net charge-offs (x) | 20.8440% | 1,797 |
| Efficiency ratio | 49.8036% | 3,925 |
| Assets per employee ($millions) | 6.1237% | 2,639 |
| Cash dividends to net income (ytd only)* | 59.1716% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 2,460 |
| Loan loss allowance to noncurrent loans | 339.8477% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 2,153 |
| Noncurrent loans to loans | 0.3479% | 1,977 |
| Net loans and leases to total assets | 63.0300% | 2,555 |
| Net loans and leases to deposits | 68.5080% | 2,942 |
| Net loans and leases to core deposits | 80.2606% | 2,576 |
| Total domestic deposits to total assets | 92.0000% | 448 |
| Equity capital to assets | 7.4408% | 3,389 |
| Core capital (leverage) ratio | 11.4784% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $175,118,500 | 3,176 |
| Average earning assets | $168,418,000 | 3,118 |
| Average equity | $13,149,000 | 3,406 |
| Average total loans | $110,502,250 | 3,049 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9565% | 1,635 |
| Cost of funding earning assets | 0.9180% | 2,870 |
| Net interest margin | 4.0385% | 1,180 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.2869% | 2,851 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 2.0953% | 407 |
| Return on assets (ROA) | 2.0953% | 402 |
| Pretax return on assets | 2.0953% | 634 |
| Return on Equity (ROE) | 27.8200% | 271 |
| Retained earnings to average equity (ytd only) | 12.5844% | 873 |
| Net charge-offs to loans | 0.2427% | 340 |
| Credit loss provision to net charge-offs | 124.0602% | 1,312 |
| Earnings coverage of net charge-offs (x) | 14.9699% | 1,866 |
| Efficiency ratio | 50.0251% | 3,930 |
| Assets per employee ($millions) | 5.9833% | 2,722 |
| Cash dividends to net income (ytd only)* | 54.7645% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 2,724 |
| Loan loss allowance to noncurrent loans | 277.0065% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 1,874 |
| Noncurrent loans to loans | 0.4139% | 1,690 |
| Net loans and leases to total assets | 63.4600% | 2,437 |
| Net loans and leases to deposits | 69.0550% | 2,857 |
| Net loans and leases to core deposits | 79.3287% | 2,519 |
| Total domestic deposits to total assets | 91.9000% | 436 |
| Equity capital to assets | 7.6489% | 3,435 |
| Core capital (leverage) ratio | 10.6665% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $174,295,333 | 3,186 |
| Average earning assets | $168,627,333 | 3,120 |
| Average equity | $13,127,333 | 3,424 |
| Average total loans | $109,581,667 | 3,060 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7476% | 1,741 |
| Cost of funding earning assets | 0.6384% | 3,267 |
| Net interest margin | 4.1092% | 1,084 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.1937% | 3,115 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 2.3036% | 317 |
| Return on assets (ROA) | 2.3036% | 317 |
| Pretax return on assets | 2.3036% | 481 |
| Return on Equity (ROE) | 30.8200% | 216 |
| Retained earnings to average equity (ytd only) | 30.8234% | 107 |
| Net charge-offs to loans | 0.2540% | 299 |
| Credit loss provision to net charge-offs | 94.2029% | 1,161 |
| Earnings coverage of net charge-offs (x) | 15.5217% | 1,542 |
| Efficiency ratio | 47.2154% | 4,141 |
| Assets per employee ($millions) | 6.1726% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 2,901 |
| Loan loss allowance to noncurrent loans | 188.6018% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 1,445 |
| Noncurrent loans to loans | 0.5994% | 1,240 |
| Net loans and leases to total assets | 58.6100% | 2,809 |
| Net loans and leases to deposits | 63.5165% | 3,127 |
| Net loans and leases to core deposits | 69.2488% | 3,002 |
| Total domestic deposits to total assets | 92.2800% | 451 |
| Equity capital to assets | 7.4188% | 3,607 |
| Core capital (leverage) ratio | 11.2658% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $174,685,000 | 3,224 |
| Average earning assets | $169,180,500 | 3,155 |
| Average equity | $13,055,000 | 3,471 |
| Average total loans | $108,677,500 | 3,107 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 716 |
| Cost of funding earning assets | 0.5029% | 1,367 |
| Net interest margin | 3.9980% | 788 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.1552% | 3,142 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 2.0775% | 255 |
| Return on assets (ROA) | 2.0775% | 246 |
| Pretax return on assets | 2.0775% | 395 |
| Return on Equity (ROE) | 24.5100% | 229 |
| Retained earnings to average equity (ytd only) | 7.3557% | 2,078 |
| Net charge-offs to loans | 0.0152% | 1,822 |
| Credit loss provision to net charge-offs | 1,000.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 236.4000% | 568 |
| Efficiency ratio | 49.8373% | 4,138 |
| Assets per employee ($millions) | 5.6618% | 3,075 |
| Cash dividends to net income (ytd only)* | 69.9941% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,606 |
| Loan loss allowance to noncurrent loans | 172.4377% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 1,163 |
| Noncurrent loans to loans | 0.6712% | 1,112 |
| Net loans and leases to total assets | 64.7600% | 2,169 |
| Net loans and leases to deposits | 70.6234% | 2,533 |
| Net loans and leases to core deposits | 77.5351% | 2,313 |
| Total domestic deposits to total assets | 91.7000% | 716 |
| Equity capital to assets | 7.5351% | 3,366 |
| Core capital (leverage) ratio | 11.2991% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $163,463,400 | 3,321 |
| Average earning assets | $153,302,800 | 3,293 |
| Average equity | $13,853,200 | 3,487 |
| Average total loans | $98,779,000 | 3,172 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 596 |
| Cost of funding earning assets | 0.4846% | 816 |
| Net interest margin | 3.9075% | 793 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.2113% | 2,903 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.9377% | 321 |
| Return on assets (ROA) | 1.9377% | 318 |
| Pretax return on assets | 1.9377% | 536 |
| Return on Equity (ROE) | 22.2400% | 282 |
| Retained earnings to average equity (ytd only) | 8.1834% | 1,934 |
| Net charge-offs to loans | -0.0345% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.4197% | 3,975 |
| Assets per employee ($millions) | 5.8740% | 2,874 |
| Cash dividends to net income (ytd only)* | 63.2111% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,530 |
| Loan loss allowance to noncurrent loans | 175.7925% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 1,288 |
| Noncurrent loans to loans | 0.6824% | 1,195 |
| Net loans and leases to total assets | 61.1000% | 2,391 |
| Net loans and leases to deposits | 66.2526% | 2,697 |
| Net loans and leases to core deposits | 72.8577% | 2,428 |
| Total domestic deposits to total assets | 92.2200% | 812 |
| Equity capital to assets | 7.3223% | 3,319 |
| Core capital (leverage) ratio | 11.3461% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $163,281,500 | 3,350 |
| Average earning assets | $151,874,000 | 3,330 |
| Average equity | $14,223,500 | 3,485 |
| Average total loans | $96,580,750 | 3,211 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 534 |
| Cost of funding earning assets | 0.4806% | 587 |
| Net interest margin | 3.8060% | 744 |
| Noninterest income to average assets | 0.5808% | 1,823 |
| Noninterest expense to average assets | 2.2212% | 2,783 |
| Loan and lease loss provision to assets | 0.0860% | 1,156 |
| Net operating income to assets | 1.7841% | 352 |
| Return on assets (ROA) | 1.7841% | 348 |
| Pretax return on assets | 1.7841% | 626 |
| Return on Equity (ROE) | 19.4377% | 349 |
| Retained earnings to average equity (ytd only) | 7.3978% | 1,852 |
| Net charge-offs to loans | -0.0148% | 3,755 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2917% | 3,936 |
| Assets per employee ($millions) | 5.6409% | 3,095 |
| Cash dividends to net income (ytd only)* | 61.9408% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,529 |
| Loan loss allowance to noncurrent loans | 263.1929% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 1,930 |
| Noncurrent loans to loans | 0.4673% | 1,709 |
| Net loans and leases to total assets | 58.2681% | 2,505 |
| Net loans and leases to deposits | 63.4420% | 2,773 |
| Net loans and leases to core deposits | 69.2942% | 2,544 |
| Total domestic deposits to total assets | 91.8447% | 909 |
| Equity capital to assets | 7.7910% | 3,279 |
| Core capital (leverage) ratio | 11.0684% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,885,000 | 3,384 |
| Average earning assets | $150,235,667 | 3,395 |
| Average equity | $14,950,333 | 3,496 |
| Average total loans | $94,872,333 | 3,256 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 469 |
| Cost of funding earning assets | 0.4872% | 527 |
| Net interest margin | 3.7763% | 658 |
| Noninterest income to average assets | 0.5734% | 1,808 |
| Noninterest expense to average assets | 2.1017% | 3,137 |
| Loan and lease loss provision to assets | 0.1107% | 753 |
| Net operating income to assets | 1.8138% | 321 |
| Return on assets (ROA) | 1.8138% | 323 |
| Pretax return on assets | 1.8138% | 534 |
| Return on Equity (ROE) | 18.3642% | 308 |
| Retained earnings to average equity (ytd only) | 8.3972% | 1,454 |
| Net charge-offs to loans | 0.0213% | 1,115 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 156.4000% | 520 |
| Efficiency ratio | 52.2005% | 4,188 |
| Assets per employee ($millions) | 5.6129% | 3,219 |
| Cash dividends to net income (ytd only)* | 54.2741% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,673 |
| Loan loss allowance to noncurrent loans | 827.3381% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 3,222 |
| Noncurrent loans to loans | 0.1494% | 3,058 |
| Net loans and leases to total assets | 56.4572% | 2,489 |
| Net loans and leases to deposits | 62.5247% | 2,672 |
| Net loans and leases to core deposits | 68.6670% | 2,396 |
| Total domestic deposits to total assets | 90.2957% | 1,389 |
| Equity capital to assets | 9.1686% | 2,557 |
| Core capital (leverage) ratio | 10.8772% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,534,000 | 3,400 |
| Average earning assets | $148,611,500 | 3,421 |
| Average equity | $16,053,000 | 3,472 |
| Average total loans | $94,055,500 | 3,272 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 413 |
| Cost of funding earning assets | 0.5314% | 785 |
| Net interest margin | 4.1780% | 508 |
| Noninterest income to average assets | 0.5791% | 2,241 |
| Noninterest expense to average assets | 2.2988% | 2,800 |
| Loan and lease loss provision to assets | 0.0800% | 1,533 |
| Net operating income to assets | 2.0531% | 308 |
| Return on assets (ROA) | 2.0531% | 324 |
| Pretax return on assets | 2.0531% | 552 |
| Return on Equity (ROE) | 18.4240% | 425 |
| Retained earnings to average equity (ytd only) | 5.5260% | 2,552 |
| Net charge-offs to loans | 0.0217% | 1,827 |
| Credit loss provision to net charge-offs | 620.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 165.4000% | 615 |
| Efficiency ratio | 51.8696% | 4,126 |
| Assets per employee ($millions) | 5.7963% | 2,958 |
| Cash dividends to net income (ytd only)* | 70.0063% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 3,033 |
| Loan loss allowance to noncurrent loans | 804.3478% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 3,347 |
| Noncurrent loans to loans | 0.1452% | 3,214 |
| Net loans and leases to total assets | 57.8909% | 2,389 |
| Net loans and leases to deposits | 65.2168% | 2,579 |
| Net loans and leases to core deposits | 71.5241% | 2,299 |
| Total domestic deposits to total assets | 88.7668% | 1,634 |
| Equity capital to assets | 10.5869% | 2,099 |
| Core capital (leverage) ratio | 10.8633% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,080,800 | 3,441 |
| Average earning assets | $143,010,200 | 3,443 |
| Average equity | $17,281,800 | 3,440 |
| Average total loans | $92,054,800 | 3,306 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 386 |
| Cost of funding earning assets | 0.5392% | 878 |
| Net interest margin | 4.2958% | 458 |
| Noninterest income to average assets | 0.5880% | 2,259 |
| Noninterest expense to average assets | 2.3538% | 2,591 |
| Loan and lease loss provision to assets | 0.0685% | 1,637 |
| Net operating income to assets | 2.1364% | 366 |
| Return on assets (ROA) | 2.1364% | 387 |
| Pretax return on assets | 2.1364% | 627 |
| Return on Equity (ROE) | 18.9209% | 524 |
| Retained earnings to average equity (ytd only) | 6.9798% | 2,430 |
| Net charge-offs to loans | 0.0161% | 1,754 |
| Credit loss provision to net charge-offs | 718.1818% | 634 |
| Earnings coverage of net charge-offs (x) | 230.4545% | 511 |
| Efficiency ratio | 51.6314% | 4,058 |
| Assets per employee ($millions) | 5.5827% | 3,109 |
| Cash dividends to net income (ytd only)* | 63.1107% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 3,276 |
| Loan loss allowance to noncurrent loans | 521.3592% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 3,263 |
| Noncurrent loans to loans | 0.2178% | 3,077 |
| Net loans and leases to total assets | 57.7596% | 2,525 |
| Net loans and leases to deposits | 65.1990% | 2,712 |
| Net loans and leases to core deposits | 71.5014% | 2,467 |
| Total domestic deposits to total assets | 88.5897% | 1,518 |
| Equity capital to assets | 10.9570% | 2,055 |
| Core capital (leverage) ratio | 11.0971% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,277,250 | 3,492 |
| Average earning assets | $141,686,000 | 3,492 |
| Average equity | $17,306,750 | 3,484 |
| Average total loans | $91,302,500 | 3,360 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 723 |
| Cost of funding earning assets | 0.5505% | 937 |
| Net interest margin | 3.9505% | 892 |
| Noninterest income to average assets | 0.5838% | 2,282 |
| Noninterest expense to average assets | 2.4055% | 2,442 |
| Loan and lease loss provision to assets | 0.0519% | 1,997 |
| Net operating income to assets | 1.8005% | 715 |
| Return on assets (ROA) | 1.8005% | 748 |
| Pretax return on assets | 1.8005% | 1,232 |
| Return on Equity (ROE) | 15.7784% | 999 |
| Retained earnings to average equity (ytd only) | 4.1252% | 3,483 |
| Net charge-offs to loans | 0.0288% | 1,376 |
| Credit loss provision to net charge-offs | 300.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 107.1538% | 720 |
| Efficiency ratio | 56.4959% | 3,479 |
| Assets per employee ($millions) | 5.3619% | 3,274 |
| Cash dividends to net income (ytd only)* | 73.8552% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 3,428 |
| Loan loss allowance to noncurrent loans | 360.8392% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 3,040 |
| Noncurrent loans to loans | 0.3038% | 2,836 |
| Net loans and leases to total assets | 59.8813% | 2,440 |
| Net loans and leases to deposits | 67.5065% | 2,672 |
| Net loans and leases to core deposits | 73.9955% | 2,408 |
| Total domestic deposits to total assets | 88.7045% | 1,451 |
| Equity capital to assets | 10.9109% | 2,059 |
| Core capital (leverage) ratio | 10.9447% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,404,000 | 3,525 |
| Average earning assets | $139,882,333 | 3,514 |
| Average equity | $17,162,667 | 3,495 |
| Average total loans | $90,208,333 | 3,393 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 545 |
| Cost of funding earning assets | 0.5605% | 1,047 |
| Net interest margin | 4.1696% | 638 |
| Noninterest income to average assets | 0.6195% | 2,131 |
| Noninterest expense to average assets | 2.4321% | 2,391 |
| Loan and lease loss provision to assets | 0.0243% | 2,468 |
| Net operating income to assets | 2.0073% | 564 |
| Return on assets (ROA) | 2.0073% | 608 |
| Pretax return on assets | 2.0073% | 935 |
| Return on Equity (ROE) | 17.1948% | 820 |
| Retained earnings to average equity (ytd only) | 17.1948% | 410 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4848% | 3,734 |
| Assets per employee ($millions) | 5.2339% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 3,294 |
| Loan loss allowance to noncurrent loans | 417.6955% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 3,364 |
| Noncurrent loans to loans | 0.2703% | 3,141 |
| Net loans and leases to total assets | 58.5615% | 2,732 |
| Net loans and leases to deposits | 66.3029% | 2,889 |
| Net loans and leases to core deposits | 72.8749% | 2,627 |
| Total domestic deposits to total assets | 88.3242% | 1,691 |
| Equity capital to assets | 11.3556% | 1,626 |
| Core capital (leverage) ratio | 11.7054% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,858,000 | 3,548 |
| Average earning assets | $136,319,000 | 3,561 |
| Average equity | $17,261,000 | 3,496 |
| Average total loans | $88,240,000 | 3,438 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 1,034 |
| Cost of funding earning assets | 0.6533% | 1,970 |
| Net interest margin | 3.9795% | 1,017 |
| Noninterest income to average assets | 0.6230% | 2,128 |
| Noninterest expense to average assets | 2.4885% | 2,888 |
| Loan and lease loss provision to assets | 0.0718% | 3,485 |
| Net operating income to assets | 1.7442% | 447 |
| Return on assets (ROA) | 1.7442% | 481 |
| Pretax return on assets | 1.7442% | 777 |
| Return on Equity (ROE) | 14.4867% | 719 |
| Retained earnings to average equity (ytd only) | 4.3460% | 2,626 |
| Net charge-offs to loans | 0.0594% | 1,926 |
| Credit loss provision to net charge-offs | 208.3333% | 2,120 |
| Earnings coverage of net charge-offs (x) | 52.7083% | 1,151 |
| Efficiency ratio | 57.8122% | 3,751 |
| Assets per employee ($millions) | 4.7977% | 3,610 |
| Cash dividends to net income (ytd only)* | 70.0000% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 3,147 |
| Loan loss allowance to noncurrent loans | 346.8966% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 3,282 |
| Noncurrent loans to loans | 0.3350% | 3,006 |
| Net loans and leases to total assets | 59.4531% | 2,926 |
| Net loans and leases to deposits | 68.0466% | 3,070 |
| Net loans and leases to core deposits | 75.2751% | 2,795 |
| Total domestic deposits to total assets | 87.3711% | 1,755 |
| Equity capital to assets | 12.0098% | 1,561 |
| Core capital (leverage) ratio | 11.6324% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,318,600 | 3,521 |
| Average earning assets | $128,884,400 | 3,521 |
| Average equity | $16,774,000 | 3,475 |
| Average total loans | $80,778,400 | 3,539 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 1,126 |
| Cost of funding earning assets | 0.6732% | 2,182 |
| Net interest margin | 4.0005% | 1,114 |
| Noninterest income to average assets | 0.6157% | 2,118 |
| Noninterest expense to average assets | 2.5438% | 2,710 |
| Loan and lease loss provision to assets | 0.0897% | 3,191 |
| Net operating income to assets | 1.6810% | 598 |
| Return on assets (ROA) | 1.6810% | 668 |
| Pretax return on assets | 1.6810% | 1,003 |
| Return on Equity (ROE) | 13.9530% | 889 |
| Retained earnings to average equity (ytd only) | 4.7418% | 2,675 |
| Net charge-offs to loans | 0.0134% | 2,634 |
| Credit loss provision to net charge-offs | 1,162.5000% | 750 |
| Earnings coverage of net charge-offs (x) | 229.3750% | 450 |
| Efficiency ratio | 58.9577% | 3,525 |
| Assets per employee ($millions) | 4.5881% | 3,732 |
| Cash dividends to net income (ytd only)* | 66.0161% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 2,305 |
| Loan loss allowance to noncurrent loans | 197.9048% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 2,673 |
| Noncurrent loans to loans | 0.6410% | 2,192 |
| Net loans and leases to total assets | 56.8509% | 3,538 |
| Net loans and leases to deposits | 65.0572% | 3,696 |
| Net loans and leases to core deposits | 70.8295% | 3,567 |
| Total domestic deposits to total assets | 87.3859% | 1,504 |
| Equity capital to assets | 12.0980% | 1,625 |
| Core capital (leverage) ratio | 11.7372% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,165,250 | 3,526 |
| Average earning assets | $127,747,750 | 3,519 |
| Average equity | $16,646,000 | 3,486 |
| Average total loans | $79,328,500 | 3,585 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7419% | 1,301 |
| Cost of funding earning assets | 0.6972% | 2,396 |
| Net interest margin | 4.0447% | 1,233 |
| Noninterest income to average assets | 0.6315% | 2,009 |
| Noninterest expense to average assets | 2.5685% | 2,771 |
| Loan and lease loss provision to assets | 0.0877% | 3,185 |
| Net operating income to assets | 1.7236% | 598 |
| Return on assets (ROA) | 1.7236% | 649 |
| Pretax return on assets | 1.7236% | 949 |
| Return on Equity (ROE) | 14.3265% | 823 |
| Retained earnings to average equity (ytd only) | 4.6054% | 2,658 |
| Net charge-offs to loans | 0.0765% | 1,486 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 41.3000% | 1,226 |
| Efficiency ratio | 58.6449% | 3,599 |
| Assets per employee ($millions) | 4.5649% | 3,701 |
| Cash dividends to net income (ytd only)* | 67.8541% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,176 |
| Loan loss allowance to noncurrent loans | 295.4955% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 3,382 |
| Noncurrent loans to loans | 0.4280% | 2,878 |
| Net loans and leases to total assets | 54.2830% | 3,850 |
| Net loans and leases to deposits | 61.9717% | 4,007 |
| Net loans and leases to core deposits | 67.4555% | 3,890 |
| Total domestic deposits to total assets | 87.5933% | 1,379 |
| Equity capital to assets | 11.9764% | 1,677 |
| Core capital (leverage) ratio | 11.6561% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,810,333 | 3,521 |
| Average earning assets | $126,784,667 | 3,512 |
| Average equity | $16,459,000 | 3,512 |
| Average total loans | $78,472,000 | 3,611 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 1,032 |
| Cost of funding earning assets | 0.7642% | 2,588 |
| Net interest margin | 4.2014% | 920 |
| Noninterest income to average assets | 0.7437% | 1,480 |
| Noninterest expense to average assets | 2.6447% | 2,850 |
| Loan and lease loss provision to assets | 0.0446% | 3,223 |
| Net operating income to assets | 1.9307% | 311 |
| Return on assets (ROA) | 1.9307% | 340 |
| Pretax return on assets | 1.9307% | 532 |
| Return on Equity (ROE) | 16.0104% | 423 |
| Retained earnings to average equity (ytd only) | 16.0104% | 146 |
| Net charge-offs to loans | 0.0761% | 1,260 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 44.2667% | 976 |
| Efficiency ratio | 57.2440% | 4,088 |
| Assets per employee ($millions) | 4.3770% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,531 |
| Loan loss allowance to noncurrent loans | 2,073.9130% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 4,434 |
| Noncurrent loans to loans | 0.0591% | 4,312 |
| Net loans and leases to total assets | 56.6451% | 3,785 |
| Net loans and leases to deposits | 64.7640% | 3,935 |
| Net loans and leases to core deposits | 70.7396% | 3,832 |
| Total domestic deposits to total assets | 87.4638% | 1,353 |
| Equity capital to assets | 12.2090% | 1,915 |
| Core capital (leverage) ratio | 12.2011% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,459,500 | 3,529 |
| Average earning assets | $124,053,500 | 3,521 |
| Average equity | $16,214,500 | 3,543 |
| Average total loans | $78,807,500 | 3,602 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8763% | 1,822 |
| Cost of funding earning assets | 0.6750% | 3,286 |
| Net interest margin | 4.2014% | 1,321 |
| Noninterest income to average assets | 0.7597% | 1,587 |
| Noninterest expense to average assets | 2.6748% | 2,957 |
| Loan and lease loss provision to assets | 0.0615% | 2,809 |
| Net operating income to assets | 2.0065% | 346 |
| Return on assets (ROA) | 2.0065% | 361 |
| Pretax return on assets | 2.0065% | 593 |
| Return on Equity (ROE) | 17.0788% | 409 |
| Retained earnings to average equity (ytd only) | 5.1197% | 2,356 |
| Net charge-offs to loans | 0.0194% | 3,037 |
| Credit loss provision to net charge-offs | 533.3333% | 552 |
| Earnings coverage of net charge-offs (x) | 179.4667% | 428 |
| Efficiency ratio | 56.3978% | 4,156 |
| Assets per employee ($millions) | 4.2978% | 3,512 |
| Cash dividends to net income (ytd only)* | 70.0230% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 2,457 |
| Loan loss allowance to noncurrent loans | 62.5984% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.1484% | 1,040 |
| Noncurrent loans to loans | 1.9098% | 686 |
| Net loans and leases to total assets | 59.1802% | 3,656 |
| Net loans and leases to deposits | 67.7066% | 3,840 |
| Net loans and leases to core deposits | 74.0410% | 3,717 |
| Total domestic deposits to total assets | 87.4069% | 1,404 |
| Equity capital to assets | 11.9063% | 2,192 |
| Core capital (leverage) ratio | 11.9111% | 1,835 |
| Tier 1 risk-based capital ratio | 19.2474% | 1,471 |
| Total risk-based capital ratio | 20.4002% | 1,455 |
| Memoranda: | ||
| Average total assets | $130,178,000 | 3,564 |
| Average earning assets | $123,412,000 | 3,512 |
| Average equity | $15,293,800 | 3,611 |
| Average total loans | $77,378,600 | 3,646 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8699% | 1,918 |
| Cost of funding earning assets | 0.6429% | 3,490 |
| Net interest margin | 4.2270% | 1,314 |
| Noninterest income to average assets | 0.7727% | 1,511 |
| Noninterest expense to average assets | 2.7364% | 2,763 |
| Loan and lease loss provision to assets | 0.0670% | 2,546 |
| Net operating income to assets | 1.9791% | 411 |
| Return on assets (ROA) | 1.9791% | 432 |
| Pretax return on assets | 1.9791% | 721 |
| Return on Equity (ROE) | 16.9044% | 487 |
| Retained earnings to average equity (ytd only) | 5.8167% | 2,451 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2167% | 4,040 |
| Assets per employee ($millions) | 4.2565% | 3,540 |
| Cash dividends to net income (ytd only)* | 65.5909% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 2,413 |
| Loan loss allowance to noncurrent loans | 61.9481% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.1717% | 1,090 |
| Noncurrent loans to loans | 1.9670% | 687 |
| Net loans and leases to total assets | 58.6116% | 3,816 |
| Net loans and leases to deposits | 67.0848% | 3,990 |
| Net loans and leases to core deposits | 73.2360% | 3,875 |
| Total domestic deposits to total assets | 87.3695% | 1,330 |
| Equity capital to assets | 11.9416% | 2,303 |
| Core capital (leverage) ratio | 12.1700% | 1,749 |
| Tier 1 risk-based capital ratio | 19.6967% | 1,420 |
| Total risk-based capital ratio | 20.8856% | 1,398 |
| Memoranda: | ||
| Average total assets | $129,414,500 | 3,610 |
| Average earning assets | $122,764,000 | 3,564 |
| Average equity | $15,151,500 | 3,657 |
| Average total loans | $76,773,000 | 3,698 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8221% | 1,992 |
| Cost of funding earning assets | 0.5960% | 3,668 |
| Net interest margin | 4.2261% | 1,298 |
| Noninterest income to average assets | 0.7778% | 1,418 |
| Noninterest expense to average assets | 2.7596% | 2,723 |
| Loan and lease loss provision to assets | 0.0467% | 2,880 |
| Net operating income to assets | 1.9865% | 395 |
| Return on assets (ROA) | 1.9865% | 416 |
| Pretax return on assets | 1.9865% | 691 |
| Return on Equity (ROE) | 17.0840% | 457 |
| Retained earnings to average equity (ytd only) | 6.9165% | 1,850 |
| Net charge-offs to loans | -0.0393% | 4,762 |
| Credit loss provision to net charge-offs | -200.0000% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5787% | 4,061 |
| Assets per employee ($millions) | 4.5066% | 3,133 |
| Cash dividends to net income (ytd only)* | 59.5145% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,523 |
| Loan loss allowance to noncurrent loans | 57.2304% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.2541% | 1,043 |
| Noncurrent loans to loans | 2.0977% | 659 |
| Net loans and leases to total assets | 58.8151% | 3,841 |
| Net loans and leases to deposits | 67.1506% | 4,012 |
| Net loans and leases to core deposits | 72.4488% | 3,979 |
| Total domestic deposits to total assets | 87.5868% | 1,293 |
| Equity capital to assets | 11.9610% | 2,212 |
| Core capital (leverage) ratio | 12.2158% | 1,689 |
| Tier 1 risk-based capital ratio | 19.3317% | 1,476 |
| Total risk-based capital ratio | 20.4846% | 1,466 |
| Memoranda: | ||
| Average total assets | $128,569,330 | 3,638 |
| Average earning assets | $122,146,000 | 3,598 |
| Average equity | $14,949,670 | 3,683 |
| Average total loans | $76,266,670 | 3,727 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7804% | 1,958 |
| Cost of funding earning assets | 0.5461% | 3,841 |
| Net interest margin | 4.2343% | 1,230 |
| Noninterest income to average assets | 0.7623% | 1,386 |
| Noninterest expense to average assets | 2.8045% | 2,551 |
| Loan and lease loss provision to assets | 0.0471% | 2,704 |
| Net operating income to assets | 1.9481% | 421 |
| Return on assets (ROA) | 1.9481% | 436 |
| Pretax return on assets | 1.9481% | 707 |
| Return on Equity (ROE) | 17.0038% | 479 |
| Retained earnings to average equity (ytd only) | 17.0038% | 182 |
| Net charge-offs to loans | -0.1483% | 5,120 |
| Credit loss provision to net charge-offs | -53.5714% | 3,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4314% | 4,016 |
| Assets per employee ($millions) | 4.4591% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,477 |
| Loan loss allowance to noncurrent loans | 161.2457% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 2,787 |
| Noncurrent loans to loans | 0.7564% | 2,135 |
| Net loans and leases to total assets | 58.3742% | 3,843 |
| Net loans and leases to deposits | 66.3742% | 4,027 |
| Net loans and leases to core deposits | 71.6560% | 3,972 |
| Total domestic deposits to total assets | 87.9472% | 1,361 |
| Equity capital to assets | 11.7033% | 2,231 |
| Core capital (leverage) ratio | 12.3836% | 1,567 |
| Tier 1 risk-based capital ratio | 19.8427% | 1,364 |
| Total risk-based capital ratio | 21.0158% | 1,361 |
| Memoranda: | ||
| Average total assets | $127,508,500 | 3,689 |
| Average earning assets | $121,579,500 | 3,635 |
| Average equity | $14,608,500 | 3,729 |
| Average total loans | $75,500,000 | 3,774 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 1,843 |
| Cost of funding earning assets | 0.4410% | 3,731 |
| Net interest margin | 4.2522% | 1,275 |
| Noninterest income to average assets | 0.6715% | 1,956 |
| Noninterest expense to average assets | 2.6453% | 3,194 |
| Loan and lease loss provision to assets | 0.0943% | 2,267 |
| Net operating income to assets | 1.9840% | 374 |
| Return on assets (ROA) | 1.9840% | 370 |
| Pretax return on assets | 1.9840% | 581 |
| Return on Equity (ROE) | 18.5602% | 339 |
| Retained earnings to average equity (ytd only) | 5.5695% | 2,440 |
| Net charge-offs to loans | 0.1168% | 1,582 |
| Credit loss provision to net charge-offs | 139.5349% | 1,933 |
| Earnings coverage of net charge-offs (x) | 30.7674% | 1,570 |
| Efficiency ratio | 56.0027% | 4,411 |
| Assets per employee ($millions) | 4.0549% | 3,818 |
| Cash dividends to net income (ytd only)* | 69.9921% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 2,615 |
| Loan loss allowance to noncurrent loans | 747.0588% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 4,322 |
| Noncurrent loans to loans | 0.1596% | 4,024 |
| Net loans and leases to total assets | 58.6247% | 3,907 |
| Net loans and leases to deposits | 66.6507% | 4,070 |
| Net loans and leases to core deposits | 71.7892% | 4,000 |
| Total domestic deposits to total assets | 87.9581% | 1,315 |
| Equity capital to assets | 11.2034% | 2,513 |
| Core capital (leverage) ratio | 12.1303% | 1,653 |
| Tier 1 risk-based capital ratio | 19.6196% | 1,380 |
| Total risk-based capital ratio | 20.7714% | 1,370 |
| Memoranda: | ||
| Average total assets | $127,319,800 | 3,679 |
| Average earning assets | $121,324,200 | 3,624 |
| Average equity | $13,609,800 | 3,798 |
| Average total loans | $73,616,200 | 3,795 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 1,792 |
| Cost of funding earning assets | 0.4287% | 3,672 |
| Net interest margin | 4.2321% | 1,282 |
| Noninterest income to average assets | 0.6545% | 2,051 |
| Noninterest expense to average assets | 2.6744% | 3,048 |
| Loan and lease loss provision to assets | 0.0814% | 2,326 |
| Net operating income to assets | 1.9281% | 451 |
| Return on assets (ROA) | 1.9281% | 449 |
| Pretax return on assets | 1.9281% | 770 |
| Return on Equity (ROE) | 18.2530% | 402 |
| Retained earnings to average equity (ytd only) | 6.8881% | 2,184 |
| Net charge-offs to loans | 0.1072% | 1,415 |
| Credit loss provision to net charge-offs | 132.2034% | 1,869 |
| Earnings coverage of net charge-offs (x) | 32.6290% | 1,540 |
| Efficiency ratio | 57.0983% | 4,242 |
| Assets per employee ($millions) | 4.0451% | 3,812 |
| Cash dividends to net income (ytd only)* | 62.2632% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 2,724 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 3,498 |
| Noncurrent loans to loans | 0.4979% | 2,899 |
| Net loans and leases to total assets | 58.2453% | 4,013 |
| Net loans and leases to deposits | 65.7198% | 4,219 |
| Net loans and leases to core deposits | 70.7345% | 4,140 |
| Total domestic deposits to total assets | 88.6267% | 992 |
| Equity capital to assets | 10.8239% | 2,826 |
| Core capital (leverage) ratio | 12.0884% | 1,732 |
| Tier 1 risk-based capital ratio | 19.4421% | 1,446 |
| Total risk-based capital ratio | 20.5687% | 1,440 |
| Memoranda: | ||
| Average total assets | $127,724,000 | 3,708 |
| Average earning assets | $121,608,250 | 3,653 |
| Average equity | $13,491,500 | 3,847 |
| Average total loans | $73,374,750 | 3,841 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 1,708 |
| Cost of funding earning assets | 0.4213% | 3,562 |
| Net interest margin | 4.2048% | 1,282 |
| Noninterest income to average assets | 0.6475% | 2,104 |
| Noninterest expense to average assets | 2.6708% | 3,106 |
| Loan and lease loss provision to assets | 0.1090% | 1,801 |
| Net operating income to assets | 1.8755% | 498 |
| Return on assets (ROA) | 1.8755% | 492 |
| Pretax return on assets | 1.8755% | 826 |
| Return on Equity (ROE) | 17.8991% | 426 |
| Retained earnings to average equity (ytd only) | 6.7586% | 2,185 |
| Net charge-offs to loans | 0.0710% | 1,627 |
| Credit loss provision to net charge-offs | 269.2308% | 1,089 |
| Earnings coverage of net charge-offs (x) | 49.0385% | 1,140 |
| Efficiency ratio | 57.3721% | 4,315 |
| Assets per employee ($millions) | 4.1019% | 3,726 |
| Cash dividends to net income (ytd only)* | 62.2407% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,541 |
| Loan loss allowance to noncurrent loans | 234.1146% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 3,533 |
| Noncurrent loans to loans | 0.5264% | 2,840 |
| Net loans and leases to total assets | 56.6579% | 4,108 |
| Net loans and leases to deposits | 63.6103% | 4,303 |
| Net loans and leases to core deposits | 68.3519% | 4,233 |
| Total domestic deposits to total assets | 89.0703% | 907 |
| Equity capital to assets | 10.5098% | 3,106 |
| Core capital (leverage) ratio | 11.5325% | 2,043 |
| Tier 1 risk-based capital ratio | 19.2523% | 1,486 |
| Total risk-based capital ratio | 20.4185% | 1,466 |
| Memoranda: | ||
| Average total assets | $128,499,000 | 3,723 |
| Average earning assets | $122,479,670 | 3,662 |
| Average equity | $13,464,330 | 3,874 |
| Average total loans | $73,195,330 | 3,866 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5577% | 1,693 |
| Cost of funding earning assets | 0.4203% | 3,442 |
| Net interest margin | 4.1374% | 1,343 |
| Noninterest income to average assets | 0.6689% | 1,962 |
| Noninterest expense to average assets | 2.7189% | 2,979 |
| Loan and lease loss provision to assets | 0.1394% | 1,352 |
| Net operating income to assets | 1.7434% | 626 |
| Return on assets (ROA) | 1.7434% | 637 |
| Pretax return on assets | 1.7434% | 1,020 |
| Return on Equity (ROE) | 16.6636% | 542 |
| Retained earnings to average equity (ytd only) | 16.6636% | 212 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0848% | 4,200 |
| Assets per employee ($millions) | 4.0985% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,707 |
| Loan loss allowance to noncurrent loans | 189.4737% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 3,358 |
| Noncurrent loans to loans | 0.6426% | 2,616 |
| Net loans and leases to total assets | 55.6789% | 4,146 |
| Net loans and leases to deposits | 62.3237% | 4,318 |
| Net loans and leases to core deposits | 66.9435% | 4,258 |
| Total domestic deposits to total assets | 89.3383% | 948 |
| Equity capital to assets | 10.3208% | 3,250 |
| Core capital (leverage) ratio | 11.5004% | 2,015 |
| Tier 1 risk-based capital ratio | 19.1070% | 1,530 |
| Total risk-based capital ratio | 20.2574% | 1,512 |
| Memoranda: | ||
| Average total assets | $129,169,500 | 3,760 |
| Average earning assets | $122,782,000 | 3,700 |
| Average equity | $13,514,500 | 3,901 |
| Average total loans | $73,321,000 | 3,898 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 1,601 |
| Cost of funding earning assets | 0.4401% | 2,871 |
| Net interest margin | 4.0947% | 1,460 |
| Noninterest income to average assets | 0.6404% | 2,250 |
| Noninterest expense to average assets | 2.6520% | 3,280 |
| Loan and lease loss provision to assets | 0.1829% | 1,167 |
| Net operating income to assets | 1.6497% | 585 |
| Return on assets (ROA) | 1.6497% | 603 |
| Pretax return on assets | 1.6497% | 1,159 |
| Return on Equity (ROE) | 15.7978% | 503 |
| Retained earnings to average equity (ytd only) | 4.7393% | 2,297 |
| Net charge-offs to loans | 0.1724% | 1,434 |
| Credit loss provision to net charge-offs | 195.8333% | 1,397 |
| Earnings coverage of net charge-offs (x) | 19.6250% | 2,015 |
| Efficiency ratio | 59.1359% | 4,393 |
| Assets per employee ($millions) | 3.9746% | 4,001 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 2,918 |
| Loan loss allowance to noncurrent loans | 191.2752% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 3,435 |
| Noncurrent loans to loans | 0.6147% | 2,695 |
| Net loans and leases to total assets | 56.5018% | 4,141 |
| Net loans and leases to deposits | 63.6502% | 4,334 |
| Net loans and leases to core deposits | 68.3680% | 4,271 |
| Total domestic deposits to total assets | 88.7693% | 1,109 |
| Equity capital to assets | 10.6088% | 3,042 |
| Core capital (leverage) ratio | 11.3604% | 2,054 |
| Tier 1 risk-based capital ratio | 18.5567% | 1,631 |
| Total risk-based capital ratio | 19.6597% | 1,631 |
| Memoranda: | ||
| Average total assets | $128,505,000 | 3,769 |
| Average earning assets | $120,643,200 | 3,733 |
| Average equity | $13,419,600 | 3,929 |
| Average total loans | $69,603,600 | 3,972 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 1,616 |
| Cost of funding earning assets | 0.4410% | 2,802 |
| Net interest margin | 4.0694% | 1,484 |
| Noninterest income to average assets | 0.6582% | 2,172 |
| Noninterest expense to average assets | 2.7114% | 3,025 |
| Loan and lease loss provision to assets | 0.1811% | 1,102 |
| Net operating income to assets | 1.5761% | 760 |
| Return on assets (ROA) | 1.5761% | 775 |
| Pretax return on assets | 1.5761% | 1,496 |
| Return on Equity (ROE) | 15.1525% | 633 |
| Retained earnings to average equity (ytd only) | 5.2034% | 2,742 |
| Net charge-offs to loans | 0.1860% | 1,127 |
| Credit loss provision to net charge-offs | 182.2917% | 1,452 |
| Earnings coverage of net charge-offs (x) | 17.6870% | 2,089 |
| Efficiency ratio | 60.6762% | 4,096 |
| Assets per employee ($millions) | 3.9561% | 4,062 |
| Cash dividends to net income (ytd only)* | 65.6597% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 3,079 |
| Loan loss allowance to noncurrent loans | 249.6951% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 3,830 |
| Noncurrent loans to loans | 0.4689% | 3,291 |
| Net loans and leases to total assets | 54.6096% | 4,364 |
| Net loans and leases to deposits | 61.6362% | 4,548 |
| Net loans and leases to core deposits | 66.0877% | 4,476 |
| Total domestic deposits to total assets | 88.5999% | 1,069 |
| Equity capital to assets | 10.8677% | 2,994 |
| Core capital (leverage) ratio | 11.3122% | 2,176 |
| Tier 1 risk-based capital ratio | 18.9846% | 1,590 |
| Total risk-based capital ratio | 20.0740% | 1,592 |
| Memoranda: | ||
| Average total assets | $128,834,500 | 3,805 |
| Average earning assets | $120,635,750 | 3,775 |
| Average equity | $13,401,250 | 3,971 |
| Average total loans | $68,825,000 | 4,021 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 1,673 |
| Cost of funding earning assets | 0.4396% | 2,698 |
| Net interest margin | 4.0089% | 1,573 |
| Noninterest income to average assets | 0.6652% | 2,146 |
| Noninterest expense to average assets | 2.6871% | 3,133 |
| Loan and lease loss provision to assets | 0.1775% | 1,082 |
| Net operating income to assets | 1.5450% | 796 |
| Return on assets (ROA) | 1.5450% | 814 |
| Pretax return on assets | 1.5450% | 1,503 |
| Return on Equity (ROE) | 15.0727% | 648 |
| Retained earnings to average equity (ytd only) | 6.7910% | 1,689 |
| Net charge-offs to loans | 0.2337% | 869 |
| Credit loss provision to net charge-offs | 143.7500% | 1,559 |
| Earnings coverage of net charge-offs (x) | 13.9500% | 2,103 |
| Efficiency ratio | 60.9380% | 4,174 |
| Assets per employee ($millions) | 4.0191% | 3,926 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,543 |
| Loan loss allowance to noncurrent loans | 159.1376% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 3,567 |
| Noncurrent loans to loans | 0.6961% | 2,663 |
| Net loans and leases to total assets | 53.7967% | 4,407 |
| Net loans and leases to deposits | 60.5325% | 4,588 |
| Net loans and leases to core deposits | 64.8040% | 4,550 |
| Total domestic deposits to total assets | 88.8726% | 1,022 |
| Equity capital to assets | 10.7146% | 3,119 |
| Core capital (leverage) ratio | 11.0256% | 2,382 |
| Tier 1 risk-based capital ratio | 18.8065% | 1,638 |
| Total risk-based capital ratio | 19.8329% | 1,658 |
| Memoranda: | ||
| Average total assets | $129,581,000 | 3,808 |
| Average earning assets | $121,030,330 | 3,786 |
| Average equity | $13,282,330 | 3,998 |
| Average total loans | $68,449,330 | 4,049 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 1,515 |
| Cost of funding earning assets | 0.4417% | 2,599 |
| Net interest margin | 4.0022% | 1,467 |
| Noninterest income to average assets | 0.6735% | 2,070 |
| Noninterest expense to average assets | 2.8016% | 2,783 |
| Loan and lease loss provision to assets | 0.1691% | 1,049 |
| Net operating income to assets | 1.4085% | 982 |
| Return on assets (ROA) | 1.4085% | 1,013 |
| Pretax return on assets | 1.4085% | 1,859 |
| Return on Equity (ROE) | 14.0561% | 802 |
| Retained earnings to average equity (ytd only) | 14.0561% | 291 |
| Net charge-offs to loans | 0.1064% | 1,316 |
| Credit loss provision to net charge-offs | 305.5556% | 772 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,250 |
| Efficiency ratio | 63.9747% | 3,840 |
| Assets per employee ($millions) | 4.1131% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 3,449 |
| Loan loss allowance to noncurrent loans | 93.3894% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 2,724 |
| Noncurrent loans to loans | 1.2259% | 1,655 |
| Net loans and leases to total assets | 50.9759% | 4,593 |
| Net loans and leases to deposits | 56.9375% | 4,760 |
| Net loans and leases to core deposits | 61.5141% | 4,689 |
| Total domestic deposits to total assets | 89.5296% | 884 |
| Equity capital to assets | 10.1460% | 3,577 |
| Core capital (leverage) ratio | 10.8714% | 2,514 |
| Tier 1 risk-based capital ratio | 19.0139% | 1,612 |
| Total risk-based capital ratio | 20.0538% | 1,618 |
| Memoranda: | ||
| Average total assets | $130,066,500 | 3,838 |
| Average earning assets | $120,433,000 | 3,832 |
| Average equity | $13,033,500 | 4,049 |
| Average total loans | $67,692,500 | 4,100 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 919 |
| Cost of funding earning assets | 0.4598% | 2,446 |
| Net interest margin | 4.3219% | 896 |
| Noninterest income to average assets | 0.6800% | 2,262 |
| Noninterest expense to average assets | 2.4901% | 4,047 |
| Loan and lease loss provision to assets | 0.1953% | 1,193 |
| Net operating income to assets | 1.9602% | 350 |
| Return on assets (ROA) | 1.9602% | 366 |
| Pretax return on assets | 1.9602% | 550 |
| Return on Equity (ROE) | 18.8111% | 274 |
| Retained earnings to average equity (ytd only) | 5.6433% | 1,924 |
| Net charge-offs to loans | 0.3588% | 761 |
| Credit loss provision to net charge-offs | 105.3719% | 2,463 |
| Earnings coverage of net charge-offs (x) | 11.6322% | 2,519 |
| Efficiency ratio | 53.6015% | 5,273 |
| Assets per employee ($millions) | 4.0161% | 3,937 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,733 |
| Loan loss allowance to noncurrent loans | 123.7458% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4715% | 3,372 |
| Noncurrent loans to loans | 0.8857% | 2,334 |
| Net loans and leases to total assets | 51.9585% | 4,610 |
| Net loans and leases to deposits | 58.1149% | 4,779 |
| Net loans and leases to core deposits | 62.9012% | 4,696 |
| Total domestic deposits to total assets | 89.4066% | 898 |
| Equity capital to assets | 9.8923% | 3,829 |
| Core capital (leverage) ratio | 10.6474% | 2,723 |
| Tier 1 risk-based capital ratio | 18.7263% | 1,675 |
| Total risk-based capital ratio | 19.7342% | 1,699 |
| Memoranda: | ||
| Average total assets | $130,596,000 | 3,819 |
| Average earning assets | $119,832,400 | 3,829 |
| Average equity | $13,609,000 | 4,006 |
| Average total loans | $67,456,000 | 4,102 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 784 |
| Cost of funding earning assets | 0.4601% | 2,459 |
| Net interest margin | 4.4029% | 772 |
| Noninterest income to average assets | 0.6844% | 2,243 |
| Noninterest expense to average assets | 2.5564% | 3,803 |
| Loan and lease loss provision to assets | 0.1627% | 1,417 |
| Net operating income to assets | 1.9941% | 348 |
| Return on assets (ROA) | 1.9941% | 359 |
| Pretax return on assets | 1.9941% | 575 |
| Return on Equity (ROE) | 18.9012% | 299 |
| Retained earnings to average equity (ytd only) | 7.5759% | 1,366 |
| Net charge-offs to loans | 0.2491% | 941 |
| Credit loss provision to net charge-offs | 126.9841% | 2,004 |
| Earnings coverage of net charge-offs (x) | 16.8329% | 2,090 |
| Efficiency ratio | 54.2395% | 5,222 |
| Assets per employee ($millions) | 4.0888% | 3,810 |
| Cash dividends to net income (ytd only)* | 59.9185% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 3,602 |
| Loan loss allowance to noncurrent loans | 156.9072% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 3,911 |
| Noncurrent loans to loans | 0.7274% | 2,855 |
| Net loans and leases to total assets | 50.3764% | 4,797 |
| Net loans and leases to deposits | 56.7535% | 4,953 |
| Net loans and leases to core deposits | 61.3704% | 4,867 |
| Total domestic deposits to total assets | 88.7635% | 1,022 |
| Equity capital to assets | 10.7612% | 3,297 |
| Core capital (leverage) ratio | 10.4272% | 3,077 |
| Tier 1 risk-based capital ratio | 18.7259% | 1,727 |
| Total risk-based capital ratio | 19.7609% | 1,751 |
| Memoranda: | ||
| Average total assets | $131,116,500 | 3,830 |
| Average earning assets | $119,978,250 | 3,850 |
| Average equity | $13,833,000 | 3,996 |
| Average total loans | $67,441,500 | 4,140 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 905 |
| Cost of funding earning assets | 0.4558% | 2,512 |
| Net interest margin | 4.3333% | 867 |
| Noninterest income to average assets | 0.6646% | 2,307 |
| Noninterest expense to average assets | 2.5791% | 3,792 |
| Loan and lease loss provision to assets | 0.1372% | 1,653 |
| Net operating income to assets | 1.9191% | 388 |
| Return on assets (ROA) | 1.9191% | 403 |
| Pretax return on assets | 1.9191% | 670 |
| Return on Equity (ROE) | 18.3118% | 339 |
| Retained earnings to average equity (ytd only) | 7.0397% | 1,581 |
| Net charge-offs to loans | 0.2216% | 1,059 |
| Credit loss provision to net charge-offs | 120.0000% | 1,864 |
| Earnings coverage of net charge-offs (x) | 17.9867% | 1,846 |
| Efficiency ratio | 55.6396% | 5,180 |
| Assets per employee ($millions) | 4.1213% | 3,701 |
| Cash dividends to net income (ytd only)* | 61.5568% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 3,881 |
| Loan loss allowance to noncurrent loans | 79.9569% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7317% | 2,792 |
| Noncurrent loans to loans | 1.3907% | 1,609 |
| Net loans and leases to total assets | 50.0360% | 4,836 |
| Net loans and leases to deposits | 56.2126% | 4,997 |
| Net loans and leases to core deposits | 60.4419% | 4,962 |
| Total domestic deposits to total assets | 89.0121% | 915 |
| Equity capital to assets | 10.6262% | 3,501 |
| Core capital (leverage) ratio | 10.2395% | 3,282 |
| Tier 1 risk-based capital ratio | 18.2533% | 1,862 |
| Total risk-based capital ratio | 19.2591% | 1,895 |
| Memoranda: | ||
| Average total assets | $131,208,330 | 3,857 |
| Average earning assets | $120,232,670 | 3,873 |
| Average equity | $13,750,670 | 4,025 |
| Average total loans | $67,697,330 | 4,158 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 1,036 |
| Cost of funding earning assets | 0.4570% | 2,504 |
| Net interest margin | 4.2495% | 1,001 |
| Noninterest income to average assets | 0.6480% | 2,277 |
| Noninterest expense to average assets | 2.6530% | 3,567 |
| Loan and lease loss provision to assets | 0.1375% | 1,523 |
| Net operating income to assets | 1.7513% | 511 |
| Return on assets (ROA) | 1.7513% | 548 |
| Pretax return on assets | 1.7513% | 942 |
| Return on Equity (ROE) | 16.8294% | 456 |
| Retained earnings to average equity (ytd only) | 16.8294% | 162 |
| Net charge-offs to loans | -0.0059% | 4,343 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4118% | 4,950 |
| Assets per employee ($millions) | 4.1255% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 3,861 |
| Loan loss allowance to noncurrent loans | 127.1382% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 3,642 |
| Noncurrent loans to loans | 0.8921% | 2,616 |
| Net loans and leases to total assets | 51.0370% | 4,719 |
| Net loans and leases to deposits | 57.2700% | 4,901 |
| Net loans and leases to core deposits | 60.8585% | 4,881 |
| Total domestic deposits to total assets | 89.1165% | 1,046 |
| Equity capital to assets | 10.6048% | 3,364 |
| Core capital (leverage) ratio | 10.3429% | 3,138 |
| Tier 1 risk-based capital ratio | 18.1812% | 1,938 |
| Total risk-based capital ratio | 19.2180% | 1,960 |
| Memoranda: | ||
| Average total assets | $130,872,000 | 3,900 |
| Average earning assets | $119,919,000 | 3,908 |
| Average equity | $13,619,000 | 4,060 |
| Average total loans | $68,181,000 | 4,156 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6968% | 1,118 |
| Cost of funding earning assets | 0.4892% | 2,264 |
| Net interest margin | 4.2077% | 1,158 |
| Noninterest income to average assets | 0.7282% | 2,075 |
| Noninterest expense to average assets | 2.5276% | 4,137 |
| Loan and lease loss provision to assets | 0.1436% | 1,650 |
| Net operating income to assets | 1.9334% | 390 |
| Return on assets (ROA) | 1.9334% | 399 |
| Pretax return on assets | 1.9334% | 624 |
| Return on Equity (ROE) | 18.7066% | 332 |
| Retained earnings to average equity (ytd only) | 5.6104% | 2,012 |
| Net charge-offs to loans | 0.1834% | 1,569 |
| Credit loss provision to net charge-offs | 156.5217% | 1,710 |
| Earnings coverage of net charge-offs (x) | 22.6435% | 1,765 |
| Efficiency ratio | 54.8935% | 5,454 |
| Assets per employee ($millions) | 4.0540% | 3,841 |
| Cash dividends to net income (ytd only)* | 70.0083% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 4,234 |
| Loan loss allowance to noncurrent loans | 239.1447% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 4,520 |
| Noncurrent loans to loans | 0.4457% | 3,874 |
| Net loans and leases to total assets | 52.0204% | 4,690 |
| Net loans and leases to deposits | 58.3715% | 4,890 |
| Net loans and leases to core deposits | 61.8028% | 4,887 |
| Total domestic deposits to total assets | 89.1195% | 1,061 |
| Equity capital to assets | 10.2044% | 3,744 |
| Core capital (leverage) ratio | 10.0975% | 3,385 |
| Tier 1 risk-based capital ratio | 17.3917% | 2,154 |
| Total risk-based capital ratio | 18.3656% | 2,197 |
| Memoranda: | ||
| Average total assets | $125,374,000 | 3,976 |
| Average earning assets | $115,503,800 | 3,971 |
| Average equity | $12,958,000 | 4,152 |
| Average total loans | $62,695,000 | 4,304 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6775% | 1,139 |
| Cost of funding earning assets | 0.4971% | 2,236 |
| Net interest margin | 4.1804% | 1,212 |
| Noninterest income to average assets | 0.7230% | 2,136 |
| Noninterest expense to average assets | 2.5940% | 3,903 |
| Loan and lease loss provision to assets | 0.1448% | 1,512 |
| Net operating income to assets | 1.8452% | 469 |
| Return on assets (ROA) | 1.8452% | 494 |
| Pretax return on assets | 1.8452% | 816 |
| Return on Equity (ROE) | 17.7939% | 416 |
| Retained earnings to average equity (ytd only) | 6.4141% | 2,011 |
| Net charge-offs to loans | 0.1392% | 1,733 |
| Credit loss provision to net charge-offs | 210.9375% | 1,286 |
| Earnings coverage of net charge-offs (x) | 28.9848% | 1,534 |
| Efficiency ratio | 56.5879% | 5,276 |
| Assets per employee ($millions) | 3.9883% | 3,896 |
| Cash dividends to net income (ytd only)* | 63.9534% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 4,109 |
| Loan loss allowance to noncurrent loans | 262.7240% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 4,746 |
| Noncurrent loans to loans | 0.4266% | 4,072 |
| Net loans and leases to total assets | 50.6719% | 4,877 |
| Net loans and leases to deposits | 56.8772% | 5,080 |
| Net loans and leases to core deposits | 60.5763% | 5,027 |
| Total domestic deposits to total assets | 89.0899% | 981 |
| Equity capital to assets | 10.4462% | 3,656 |
| Core capital (leverage) ratio | 10.3755% | 3,183 |
| Tier 1 risk-based capital ratio | 17.9690% | 2,034 |
| Total risk-based capital ratio | 18.9921% | 2,071 |
| Memoranda: | ||
| Average total assets | $124,285,500 | 4,034 |
| Average earning assets | $114,787,000 | 4,026 |
| Average equity | $12,888,000 | 4,204 |
| Average total loans | $61,315,750 | 4,387 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6555% | 1,155 |
| Cost of funding earning assets | 0.5066% | 2,192 |
| Net interest margin | 4.1489% | 1,227 |
| Noninterest income to average assets | 0.7307% | 2,086 |
| Noninterest expense to average assets | 2.6142% | 3,870 |
| Loan and lease loss provision to assets | 0.1461% | 1,471 |
| Net operating income to assets | 1.8137% | 501 |
| Return on assets (ROA) | 1.8137% | 522 |
| Pretax return on assets | 1.8137% | 873 |
| Return on Equity (ROE) | 17.5353% | 444 |
| Retained earnings to average equity (ytd only) | 6.5463% | 1,924 |
| Net charge-offs to loans | 0.1768% | 1,400 |
| Credit loss provision to net charge-offs | 169.8113% | 1,410 |
| Earnings coverage of net charge-offs (x) | 22.7736% | 1,630 |
| Efficiency ratio | 57.1530% | 5,318 |
| Assets per employee ($millions) | 4.2019% | 3,467 |
| Cash dividends to net income (ytd only)* | 62.6679% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 4,351 |
| Loan loss allowance to noncurrent loans | 168.8406% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 4,375 |
| Noncurrent loans to loans | 0.6484% | 3,530 |
| Net loans and leases to total assets | 51.8247% | 4,770 |
| Net loans and leases to deposits | 58.1935% | 4,980 |
| Net loans and leases to core deposits | 62.3942% | 4,914 |
| Total domestic deposits to total assets | 89.0558% | 1,116 |
| Equity capital to assets | 10.5634% | 3,375 |
| Core capital (leverage) ratio | 10.1675% | 3,378 |
| Tier 1 risk-based capital ratio | 18.1195% | 2,035 |
| Total risk-based capital ratio | 19.1191% | 2,063 |
| Memoranda: | ||
| Average total assets | $123,172,330 | 4,089 |
| Average earning assets | $114,102,670 | 4,073 |
| Average equity | $12,740,000 | 4,254 |
| Average total loans | $59,953,330 | 4,462 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5895% | 1,245 |
| Cost of funding earning assets | 0.5182% | 2,125 |
| Net interest margin | 4.0713% | 1,352 |
| Noninterest income to average assets | 0.7397% | 1,966 |
| Noninterest expense to average assets | 2.5486% | 4,104 |
| Loan and lease loss provision to assets | 0.1454% | 1,398 |
| Net operating income to assets | 1.7508% | 529 |
| Return on assets (ROA) | 1.7508% | 561 |
| Pretax return on assets | 1.7508% | 950 |
| Return on Equity (ROE) | 17.1059% | 462 |
| Retained earnings to average equity (ytd only) | 17.1059% | 172 |
| Net charge-offs to loans | 0.2276% | 1,035 |
| Credit loss provision to net charge-offs | 136.3636% | 1,331 |
| Earnings coverage of net charge-offs (x) | 17.7879% | 1,509 |
| Efficiency ratio | 57.3401% | 5,407 |
| Assets per employee ($millions) | 4.3444% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 4,280 |
| Loan loss allowance to noncurrent loans | 122.9927% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 4,126 |
| Noncurrent loans to loans | 0.9322% | 2,913 |
| Net loans and leases to total assets | 46.1242% | 5,190 |
| Net loans and leases to deposits | 51.6827% | 5,352 |
| Net loans and leases to core deposits | 61.6517% | 4,862 |
| Total domestic deposits to total assets | 89.2450% | 1,119 |
| Equity capital to assets | 10.4518% | 3,584 |
| Core capital (leverage) ratio | 10.2573% | 3,271 |
| Tier 1 risk-based capital ratio | 19.1859% | 1,821 |
| Total risk-based capital ratio | 20.1964% | 1,848 |
| Memoranda: | ||
| Average total assets | $123,831,000 | 4,106 |
| Average earning assets | $112,691,500 | 4,130 |
| Average equity | $12,674,000 | 4,291 |
| Average total loans | $58,005,000 | 4,544 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 1,134 |
| Cost of funding earning assets | 0.5856% | 1,900 |
| Net interest margin | 4.2036% | 1,290 |
| Noninterest income to average assets | 0.7317% | 2,157 |
| Noninterest expense to average assets | 2.5352% | 4,435 |
| Loan and lease loss provision to assets | 0.1523% | 1,726 |
| Net operating income to assets | 1.8635% | 415 |
| Return on assets (ROA) | 1.8635% | 429 |
| Pretax return on assets | 1.8635% | 689 |
| Return on Equity (ROE) | 18.9050% | 323 |
| Retained earnings to average equity (ytd only) | 5.6809% | 2,147 |
| Net charge-offs to loans | 0.3004% | 1,468 |
| Credit loss provision to net charge-offs | 104.0462% | 2,301 |
| Earnings coverage of net charge-offs (x) | 13.7746% | 2,242 |
| Efficiency ratio | 55.7063% | 5,695 |
| Assets per employee ($millions) | 4.1957% | 3,555 |
| Cash dividends to net income (ytd only)* | 69.9501% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 4,241 |
| Loan loss allowance to noncurrent loans | 453.4247% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 5,365 |
| Noncurrent loans to loans | 0.2551% | 4,922 |
| Net loans and leases to total assets | 46.4873% | 5,286 |
| Net loans and leases to deposits | 52.0220% | 5,479 |
| Net loans and leases to core deposits | 55.9802% | 5,387 |
| Total domestic deposits to total assets | 89.3609% | 1,043 |
| Equity capital to assets | 10.0104% | 4,101 |
| Core capital (leverage) ratio | 10.1635% | 3,354 |
| Tier 1 risk-based capital ratio | 19.2362% | 1,787 |
| Total risk-based capital ratio | 20.2753% | 1,805 |
| Memoranda: | ||
| Average total assets | $118,217,800 | 4,221 |
| Average earning assets | $107,407,000 | 4,237 |
| Average equity | $11,653,000 | 4,427 |
| Average total loans | $57,582,400 | 4,566 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8094% | 1,088 |
| Cost of funding earning assets | 0.5970% | 1,864 |
| Net interest margin | 4.2125% | 1,250 |
| Noninterest income to average assets | 0.7339% | 2,166 |
| Noninterest expense to average assets | 2.5858% | 4,239 |
| Loan and lease loss provision to assets | 0.1534% | 1,618 |
| Net operating income to assets | 1.8269% | 490 |
| Return on assets (ROA) | 1.8269% | 503 |
| Pretax return on assets | 1.8269% | 839 |
| Return on Equity (ROE) | 18.6087% | 387 |
| Retained earnings to average equity (ytd only) | 6.4575% | 2,127 |
| Net charge-offs to loans | 0.2520% | 1,535 |
| Credit loss provision to net charge-offs | 123.8532% | 1,859 |
| Earnings coverage of net charge-offs (x) | 15.9908% | 2,017 |
| Efficiency ratio | 56.6310% | 5,598 |
| Assets per employee ($millions) | 3.9680% | 3,953 |
| Cash dividends to net income (ytd only)* | 65.2986% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 4,323 |
| Loan loss allowance to noncurrent loans | 220.3883% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 5,038 |
| Noncurrent loans to loans | 0.5370% | 4,327 |
| Net loans and leases to total assets | 47.7684% | 5,228 |
| Net loans and leases to deposits | 53.2610% | 5,437 |
| Net loans and leases to core deposits | 57.8482% | 5,337 |
| Total domestic deposits to total assets | 89.6874% | 883 |
| Equity capital to assets | 9.8539% | 4,349 |
| Core capital (leverage) ratio | 10.2995% | 3,299 |
| Tier 1 risk-based capital ratio | 18.9626% | 1,915 |
| Total risk-based capital ratio | 20.0253% | 1,929 |
| Memoranda: | ||
| Average total assets | $117,353,750 | 4,274 |
| Average earning assets | $106,759,750 | 4,289 |
| Average equity | $11,521,250 | 4,481 |
| Average total loans | $57,671,750 | 4,607 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8216% | 1,036 |
| Cost of funding earning assets | 0.6119% | 1,798 |
| Net interest margin | 4.2097% | 1,218 |
| Noninterest income to average assets | 0.7295% | 2,148 |
| Noninterest expense to average assets | 2.6303% | 4,135 |
| Loan and lease loss provision to assets | 0.1541% | 1,605 |
| Net operating income to assets | 1.7621% | 520 |
| Return on assets (ROA) | 1.7621% | 545 |
| Pretax return on assets | 1.7621% | 913 |
| Return on Equity (ROE) | 17.9712% | 461 |
| Retained earnings to average equity (ytd only) | 5.7459% | 2,485 |
| Net charge-offs to loans | 0.2980% | 1,351 |
| Credit loss provision to net charge-offs | 104.6512% | 1,912 |
| Earnings coverage of net charge-offs (x) | 13.0116% | 2,010 |
| Efficiency ratio | 57.8531% | 5,572 |
| Assets per employee ($millions) | 4.0768% | 3,688 |
| Cash dividends to net income (ytd only)* | 68.0272% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 4,639 |
| Loan loss allowance to noncurrent loans | 307.4766% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 5,412 |
| Noncurrent loans to loans | 0.3758% | 4,869 |
| Net loans and leases to total assets | 47.6139% | 5,204 |
| Net loans and leases to deposits | 53.1307% | 5,409 |
| Net loans and leases to core deposits | 57.5540% | 5,303 |
| Total domestic deposits to total assets | 89.6167% | 1,007 |
| Equity capital to assets | 9.8987% | 4,250 |
| Core capital (leverage) ratio | 10.0817% | 3,497 |
| Tier 1 risk-based capital ratio | 18.9134% | 1,941 |
| Total risk-based capital ratio | 19.9572% | 1,966 |
| Memoranda: | ||
| Average total assets | $116,792,000 | 4,309 |
| Average earning assets | $105,898,330 | 4,327 |
| Average equity | $11,451,670 | 4,510 |
| Average total loans | $57,714,330 | 4,625 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8582% | 930 |
| Cost of funding earning assets | 0.6286% | 1,746 |
| Net interest margin | 4.2297% | 1,144 |
| Noninterest income to average assets | 0.7581% | 1,922 |
| Noninterest expense to average assets | 2.6156% | 4,220 |
| Loan and lease loss provision to assets | 0.1551% | 1,561 |
| Net operating income to assets | 1.8368% | 453 |
| Return on assets (ROA) | 1.8368% | 473 |
| Pretax return on assets | 1.8368% | 754 |
| Return on Equity (ROE) | 18.8239% | 378 |
| Retained earnings to average equity (ytd only) | 18.8239% | 151 |
| Net charge-offs to loans | 0.2479% | 1,332 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | 16.0556% | 1,520 |
| Efficiency ratio | 56.7689% | 5,775 |
| Assets per employee ($millions) | 3.9379% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 4,904 |
| Loan loss allowance to noncurrent loans | 307.4074% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 5,503 |
| Noncurrent loans to loans | 0.3719% | 5,012 |
| Net loans and leases to total assets | 48.6046% | 5,050 |
| Net loans and leases to deposits | 54.1719% | 5,269 |
| Net loans and leases to core deposits | 58.5166% | 5,161 |
| Total domestic deposits to total assets | 89.7229% | 1,230 |
| Equity capital to assets | 9.8674% | 4,000 |
| Core capital (leverage) ratio | 10.2908% | 3,181 |
| Tier 1 risk-based capital ratio | 19.0143% | 1,964 |
| Total risk-based capital ratio | 20.0555% | 1,985 |
| Memoranda: | ||
| Average total assets | $116,074,000 | 4,365 |
| Average earning assets | $105,635,000 | 4,371 |
| Average equity | $11,326,000 | 4,537 |
| Average total loans | $58,096,000 | 4,651 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3013% | 524 |
| Cost of funding earning assets | 0.6980% | 1,833 |
| Net interest margin | 4.6033% | 609 |
| Noninterest income to average assets | 0.7211% | 2,425 |
| Noninterest expense to average assets | 2.5985% | 4,466 |
| Loan and lease loss provision to assets | 0.3492% | 904 |
| Net operating income to assets | 1.9546% | 364 |
| Return on assets (ROA) | 1.9546% | 364 |
| Pretax return on assets | 1.9546% | 533 |
| Return on Equity (ROE) | 19.1117% | 328 |
| Retained earnings to average equity (ytd only) | 5.7291% | 2,144 |
| Net charge-offs to loans | 0.7370% | 869 |
| Credit loss provision to net charge-offs | 88.1007% | 2,818 |
| Earnings coverage of net charge-offs (x) | 5.8124% | 3,211 |
| Efficiency ratio | 53.0065% | 6,211 |
| Assets per employee ($millions) | 3.8004% | 4,263 |
| Cash dividends to net income (ytd only)* | 70.0232% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 5,015 |
| Loan loss allowance to noncurrent loans | 236.4621% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 5,304 |
| Noncurrent loans to loans | 0.4767% | 4,800 |
| Net loans and leases to total assets | 50.3925% | 5,039 |
| Net loans and leases to deposits | 56.2107% | 5,284 |
| Net loans and leases to core deposits | 60.5323% | 5,183 |
| Total domestic deposits to total assets | 89.6492% | 1,248 |
| Equity capital to assets | 9.6438% | 4,226 |
| Core capital (leverage) ratio | 10.2845% | 3,172 |
| Tier 1 risk-based capital ratio | 18.3093% | 2,143 |
| Total risk-based capital ratio | 19.3437% | 2,180 |
| Memoranda: | ||
| Average total assets | $110,254,800 | 4,493 |
| Average earning assets | $100,144,800 | 4,513 |
| Average equity | $11,275,800 | 4,584 |
| Average total loans | $59,293,400 | 4,638 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 418 |
| Cost of funding earning assets | 0.7252% | 1,774 |
| Net interest margin | 4.7016% | 515 |
| Noninterest income to average assets | 0.7074% | 2,565 |
| Noninterest expense to average assets | 2.6272% | 4,293 |
| Loan and lease loss provision to assets | 0.3964% | 768 |
| Net operating income to assets | 1.9381% | 409 |
| Return on assets (ROA) | 1.9381% | 424 |
| Pretax return on assets | 1.9381% | 667 |
| Return on Equity (ROE) | 18.6727% | 392 |
| Retained earnings to average equity (ytd only) | 7.0390% | 1,854 |
| Net charge-offs to loans | 0.8681% | 673 |
| Credit loss provision to net charge-offs | 83.7629% | 2,754 |
| Earnings coverage of net charge-offs (x) | 4.9330% | 3,317 |
| Efficiency ratio | 52.9499% | 6,182 |
| Assets per employee ($millions) | 3.9126% | 4,011 |
| Cash dividends to net income (ytd only)* | 62.3036% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 5,269 |
| Loan loss allowance to noncurrent loans | 241.1985% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 5,440 |
| Noncurrent loans to loans | 0.4624% | 5,035 |
| Net loans and leases to total assets | 52.1159% | 4,863 |
| Net loans and leases to deposits | 58.2864% | 5,159 |
| Net loans and leases to core deposits | 62.9632% | 5,014 |
| Total domestic deposits to total assets | 89.4134% | 1,350 |
| Equity capital to assets | 9.9896% | 3,914 |
| Core capital (leverage) ratio | 10.7440% | 2,731 |
| Tier 1 risk-based capital ratio | 18.6422% | 2,098 |
| Total risk-based capital ratio | 19.6820% | 2,136 |
| Memoranda: | ||
| Average total assets | $109,315,750 | 4,547 |
| Average earning assets | $98,913,750 | 4,589 |
| Average equity | $11,346,000 | 4,620 |
| Average total loans | $59,589,750 | 4,662 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5793% | 335 |
| Cost of funding earning assets | 0.7525% | 1,693 |
| Net interest margin | 4.8268% | 418 |
| Noninterest income to average assets | 0.6335% | 3,001 |
| Noninterest expense to average assets | 2.6163% | 4,326 |
| Loan and lease loss provision to assets | 0.4852% | 577 |
| Net operating income to assets | 1.9243% | 404 |
| Return on assets (ROA) | 1.9243% | 436 |
| Pretax return on assets | 1.9243% | 707 |
| Return on Equity (ROE) | 18.3101% | 438 |
| Retained earnings to average equity (ytd only) | 4.5470% | 3,373 |
| Net charge-offs to loans | 0.9800% | 624 |
| Credit loss provision to net charge-offs | 89.8305% | 2,444 |
| Earnings coverage of net charge-offs (x) | 4.4610% | 3,122 |
| Efficiency ratio | 52.0583% | 6,279 |
| Assets per employee ($millions) | 3.7234% | 4,364 |
| Cash dividends to net income (ytd only)* | 75.1665% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 5,231 |
| Loan loss allowance to noncurrent loans | 163.1325% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 5,040 |
| Noncurrent loans to loans | 0.7063% | 4,521 |
| Net loans and leases to total assets | 53.7873% | 4,618 |
| Net loans and leases to deposits | 60.1861% | 4,960 |
| Net loans and leases to core deposits | 65.3704% | 4,756 |
| Total domestic deposits to total assets | 89.3683% | 1,401 |
| Equity capital to assets | 10.2038% | 3,656 |
| Core capital (leverage) ratio | 10.2590% | 3,156 |
| Tier 1 risk-based capital ratio | 18.0303% | 2,307 |
| Total risk-based capital ratio | 19.1194% | 2,331 |
| Memoranda: | ||
| Average total assets | $109,236,330 | 4,580 |
| Average earning assets | $99,403,000 | 4,604 |
| Average equity | $11,480,000 | 4,629 |
| Average total loans | $60,206,670 | 4,668 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1413% | 688 |
| Cost of funding earning assets | 0.7774% | 1,659 |
| Net interest margin | 4.3639% | 855 |
| Noninterest income to average assets | 0.6262% | 3,001 |
| Noninterest expense to average assets | 2.5013% | 4,745 |
| Loan and lease loss provision to assets | 0.3823% | 833 |
| Net operating income to assets | 1.7076% | 575 |
| Return on assets (ROA) | 1.7076% | 635 |
| Pretax return on assets | 1.7076% | 1,056 |
| Return on Equity (ROE) | 16.0191% | 603 |
| Retained earnings to average equity (ytd only) | 16.0191% | 275 |
| Net charge-offs to loans | 1.3655% | 404 |
| Credit loss provision to net charge-offs | 50.4808% | 2,591 |
| Earnings coverage of net charge-offs (x) | 2.7596% | 2,947 |
| Efficiency ratio | 54.4806% | 6,192 |
| Assets per employee ($millions) | 3.7823% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 5,966 |
| Loan loss allowance to noncurrent loans | 53.8324% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 1.1241% | 3,689 |
| Noncurrent loans to loans | 1.8689% | 2,773 |
| Net loans and leases to total assets | 54.1838% | 4,380 |
| Net loans and leases to deposits | 61.0103% | 4,682 |
| Net loans and leases to core deposits | 68.2005% | 4,278 |
| Total domestic deposits to total assets | 88.8108% | 1,791 |
| Equity capital to assets | 10.8373% | 3,161 |
| Core capital (leverage) ratio | 10.3154% | 3,009 |
| Tier 1 risk-based capital ratio | 17.9831% | 2,372 |
| Total risk-based capital ratio | 18.9345% | 2,456 |
| Memoranda: | ||
| Average total assets | $109,865,000 | 4,614 |
| Average earning assets | $99,819,500 | 4,628 |
| Average equity | $11,711,000 | 4,628 |
| Average total loans | $60,932,000 | 4,676 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5174% | 601 |
| Cost of funding earning assets | 0.8623% | 2,199 |
| Net interest margin | 4.6551% | 707 |
| Noninterest income to average assets | 0.7093% | 2,677 |
| Noninterest expense to average assets | 2.7224% | 4,320 |
| Loan and lease loss provision to assets | 0.1854% | 3,320 |
| Net operating income to assets | 2.0464% | 329 |
| Return on assets (ROA) | 2.0464% | 358 |
| Pretax return on assets | 2.0464% | 554 |
| Return on Equity (ROE) | 19.1557% | 349 |
| Retained earnings to average equity (ytd only) | 3.8277% | 3,507 |
| Net charge-offs to loans | 0.3015% | 3,142 |
| Credit loss provision to net charge-offs | 111.1111% | 2,626 |
| Earnings coverage of net charge-offs (x) | 13.3722% | 1,831 |
| Efficiency ratio | 54.9504% | 6,180 |
| Assets per employee ($millions) | 3.7946% | 4,378 |
| Cash dividends to net income (ytd only)* | 80.0181% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 5,374 |
| Loan loss allowance to noncurrent loans | 55.8452% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 1.2540% | 3,551 |
| Noncurrent loans to loans | 2.0476% | 2,646 |
| Net loans and leases to total assets | 55.5423% | 4,372 |
| Net loans and leases to deposits | 62.6022% | 4,707 |
| Net loans and leases to core deposits | 72.1124% | 4,033 |
| Total domestic deposits to total assets | 88.7227% | 1,753 |
| Equity capital to assets | 10.4822% | 3,548 |
| Core capital (leverage) ratio | 10.0783% | 3,303 |
| Tier 1 risk-based capital ratio | 16.8696% | 2,715 |
| Total risk-based capital ratio | 17.9591% | 2,759 |
| Memoranda: | ||
| Average total assets | $107,846,200 | 4,643 |
| Average earning assets | $98,343,400 | 4,629 |
| Average equity | $11,521,400 | 4,665 |
| Average total loans | $59,698,600 | 4,723 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5350% | 636 |
| Cost of funding earning assets | 0.8690% | 2,397 |
| Net interest margin | 4.6659% | 724 |
| Noninterest income to average assets | 0.7058% | 2,686 |
| Noninterest expense to average assets | 2.8021% | 3,974 |
| Loan and lease loss provision to assets | 0.1678% | 3,440 |
| Net operating income to assets | 2.0193% | 379 |
| Return on assets (ROA) | 2.0193% | 418 |
| Pretax return on assets | 2.0193% | 677 |
| Return on Equity (ROE) | 18.8106% | 415 |
| Retained earnings to average equity (ytd only) | 3.7737% | 4,239 |
| Net charge-offs to loans | 0.2366% | 3,301 |
| Credit loss provision to net charge-offs | 128.5714% | 2,241 |
| Earnings coverage of net charge-offs (x) | 16.7615% | 1,665 |
| Efficiency ratio | 56.1644% | 6,036 |
| Assets per employee ($millions) | 3.8336% | 4,229 |
| Cash dividends to net income (ytd only)* | 79.9387% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 5,387 |
| Loan loss allowance to noncurrent loans | 50.0698% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 1.4487% | 3,432 |
| Noncurrent loans to loans | 2.3529% | 2,451 |
| Net loans and leases to total assets | 56.0298% | 4,447 |
| Net loans and leases to deposits | 63.2545% | 4,808 |
| Net loans and leases to core deposits | 71.1003% | 4,364 |
| Total domestic deposits to total assets | 88.5785% | 1,673 |
| Equity capital to assets | 10.8486% | 3,444 |
| Core capital (leverage) ratio | 10.2130% | 3,268 |
| Tier 1 risk-based capital ratio | 16.9786% | 2,741 |
| Total risk-based capital ratio | 18.1024% | 2,767 |
| Memoranda: | ||
| Average total assets | $107,296,750 | 4,697 |
| Average earning assets | $98,498,500 | 4,677 |
| Average equity | $11,518,000 | 4,716 |
| Average total loans | $59,166,250 | 4,793 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5617% | 626 |
| Cost of funding earning assets | 0.8800% | 2,560 |
| Net interest margin | 4.6817% | 700 |
| Noninterest income to average assets | 0.7159% | 2,576 |
| Noninterest expense to average assets | 2.8579% | 3,786 |
| Loan and lease loss provision to assets | 0.1678% | 3,429 |
| Net operating income to assets | 1.9947% | 395 |
| Return on assets (ROA) | 1.9947% | 452 |
| Pretax return on assets | 1.9947% | 702 |
| Return on Equity (ROE) | 18.6481% | 441 |
| Retained earnings to average equity (ytd only) | 3.3985% | 4,340 |
| Net charge-offs to loans | 0.3515% | 2,609 |
| Credit loss provision to net charge-offs | 87.3786% | 3,118 |
| Earnings coverage of net charge-offs (x) | 11.2621% | 1,977 |
| Efficiency ratio | 56.9254% | 6,013 |
| Assets per employee ($millions) | 3.8391% | 4,221 |
| Cash dividends to net income (ytd only)* | 81.7757% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 5,565 |
| Loan loss allowance to noncurrent loans | 50.8296% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.3489% | 3,743 |
| Noncurrent loans to loans | 2.2659% | 2,657 |
| Net loans and leases to total assets | 53.8132% | 4,838 |
| Net loans and leases to deposits | 60.5648% | 5,190 |
| Net loans and leases to core deposits | 68.0133% | 4,785 |
| Total domestic deposits to total assets | 88.8524% | 1,604 |
| Equity capital to assets | 10.6555% | 3,507 |
| Core capital (leverage) ratio | 9.9718% | 3,459 |
| Tier 1 risk-based capital ratio | 17.1337% | 2,612 |
| Total risk-based capital ratio | 18.2128% | 2,647 |
| Memoranda: | ||
| Average total assets | $107,282,000 | 4,737 |
| Average earning assets | $98,639,670 | 4,703 |
| Average equity | $11,475,670 | 4,721 |
| Average total loans | $58,601,670 | 4,847 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6818% | 535 |
| Cost of funding earning assets | 0.8935% | 2,741 |
| Net interest margin | 4.7883% | 579 |
| Noninterest income to average assets | 0.7576% | 2,361 |
| Noninterest expense to average assets | 2.7543% | 4,217 |
| Loan and lease loss provision to assets | 0.1679% | 3,295 |
| Net operating income to assets | 2.2356% | 270 |
| Return on assets (ROA) | 2.2356% | 323 |
| Pretax return on assets | 2.2356% | 506 |
| Return on Equity (ROE) | 20.8593% | 324 |
| Retained earnings to average equity (ytd only) | 20.8593% | 164 |
| Net charge-offs to loans | 0.2456% | 2,702 |
| Credit loss provision to net charge-offs | 125.0000% | 1,908 |
| Earnings coverage of net charge-offs (x) | 17.8889% | 1,288 |
| Efficiency ratio | 53.4009% | 6,400 |
| Assets per employee ($millions) | 3.7465% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 5,595 |
| Loan loss allowance to noncurrent loans | 38.7528% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 1.6972% | 3,312 |
| Noncurrent loans to loans | 3.0407% | 2,128 |
| Net loans and leases to total assets | 53.7230% | 4,767 |
| Net loans and leases to deposits | 60.4616% | 5,099 |
| Net loans and leases to core deposits | 67.9357% | 4,683 |
| Total domestic deposits to total assets | 88.8548% | 1,788 |
| Equity capital to assets | 10.7641% | 3,193 |
| Core capital (leverage) ratio | 10.3027% | 2,990 |
| Tier 1 risk-based capital ratio | 17.6424% | 2,427 |
| Total risk-based capital ratio | 18.7481% | 2,446 |
| Memoranda: | ||
| Average total assets | $107,176,000 | 4,769 |
| Average earning assets | $98,490,000 | 4,727 |
| Average equity | $11,486,500 | 4,733 |
| Average total loans | $58,642,500 | 4,872 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9044% | 512 |
| Cost of funding earning assets | 0.9956% | 3,413 |
| Net interest margin | 4.9088% | 493 |
| Noninterest income to average assets | 0.7468% | 2,351 |
| Noninterest expense to average assets | 2.9861% | 3,641 |
| Loan and lease loss provision to assets | 0.1750% | 4,448 |
| Net operating income to assets | 2.1402% | 247 |
| Return on assets (ROA) | 2.1460% | 263 |
| Pretax return on assets | 2.1460% | 407 |
| Return on Equity (ROE) | 19.9631% | 263 |
| Retained earnings to average equity (ytd only) | 3.9890% | 3,354 |
| Net charge-offs to loans | 0.2407% | 4,273 |
| Credit loss provision to net charge-offs | 128.5714% | 2,401 |
| Earnings coverage of net charge-offs (x) | 17.0071% | 1,294 |
| Efficiency ratio | 56.3280% | 6,274 |
| Assets per employee ($millions) | 3.6450% | 4,676 |
| Cash dividends to net income (ytd only)* | 80.0181% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 5,482 |
| Loan loss allowance to noncurrent loans | 51.3069% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 1.2980% | 4,050 |
| Noncurrent loans to loans | 2.2999% | 2,854 |
| Net loans and leases to total assets | 54.4284% | 4,970 |
| Net loans and leases to deposits | 61.4367% | 5,319 |
| Net loans and leases to core deposits | 68.2560% | 4,994 |
| Total domestic deposits to total assets | 88.5927% | 1,786 |
| Equity capital to assets | 10.6694% | 3,346 |
| Core capital (leverage) ratio | 9.9676% | 3,378 |
| Tier 1 risk-based capital ratio | 17.0289% | 2,586 |
| Total risk-based capital ratio | 18.1425% | 2,614 |
| Memoranda: | ||
| Average total assets | $102,843,000 | 4,827 |
| Average earning assets | $95,420,000 | 4,774 |
| Average equity | $11,055,400 | 4,766 |
| Average total loans | $58,158,200 | 4,938 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9511% | 511 |
| Cost of funding earning assets | 1.0157% | 3,566 |
| Net interest margin | 4.9354% | 472 |
| Noninterest income to average assets | 0.7494% | 2,319 |
| Noninterest expense to average assets | 3.0471% | 3,368 |
| Loan and lease loss provision to assets | 0.1501% | 4,571 |
| Net operating income to assets | 2.1450% | 270 |
| Return on assets (ROA) | 2.1528% | 287 |
| Pretax return on assets | 2.1528% | 469 |
| Return on Equity (ROE) | 19.9878% | 318 |
| Retained earnings to average equity (ytd only) | 4.3515% | 3,631 |
| Net charge-offs to loans | 0.2545% | 3,845 |
| Credit loss provision to net charge-offs | 103.6036% | 3,214 |
| Earnings coverage of net charge-offs (x) | 15.8374% | 1,437 |
| Efficiency ratio | 57.0381% | 6,137 |
| Assets per employee ($millions) | 3.6107% | 4,736 |
| Cash dividends to net income (ytd only)* | 78.2294% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 5,831 |
| Loan loss allowance to noncurrent loans | 49.6189% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 1.2854% | 4,242 |
| Noncurrent loans to loans | 2.2467% | 3,054 |
| Net loans and leases to total assets | 55.1480% | 4,975 |
| Net loans and leases to deposits | 62.2370% | 5,372 |
| Net loans and leases to core deposits | 69.2523% | 5,033 |
| Total domestic deposits to total assets | 88.6096% | 1,690 |
| Equity capital to assets | 10.8518% | 3,287 |
| Core capital (leverage) ratio | 10.0844% | 3,329 |
| Tier 1 risk-based capital ratio | 16.9838% | 2,649 |
| Total risk-based capital ratio | 18.0445% | 2,696 |
| Memoranda: | ||
| Average total assets | $102,127,750 | 4,867 |
| Average earning assets | $95,039,250 | 4,817 |
| Average equity | $10,999,750 | 4,805 |
| Average total loans | $58,142,750 | 4,989 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8875% | 595 |
| Cost of funding earning assets | 1.0299% | 3,748 |
| Net interest margin | 4.8576% | 542 |
| Noninterest income to average assets | 0.7564% | 2,231 |
| Noninterest expense to average assets | 3.0928% | 3,282 |
| Loan and lease loss provision to assets | 0.1481% | 4,458 |
| Net operating income to assets | 2.0797% | 306 |
| Return on assets (ROA) | 2.0915% | 311 |
| Pretax return on assets | 2.0915% | 502 |
| Return on Equity (ROE) | 19.4693% | 344 |
| Retained earnings to average equity (ytd only) | 3.5666% | 3,964 |
| Net charge-offs to loans | 0.2446% | 3,656 |
| Credit loss provision to net charge-offs | 105.6338% | 2,923 |
| Earnings coverage of net charge-offs (x) | 15.8873% | 1,378 |
| Efficiency ratio | 58.1292% | 6,143 |
| Assets per employee ($millions) | 3.4759% | 5,001 |
| Cash dividends to net income (ytd only)* | 81.6808% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 5,864 |
| Loan loss allowance to noncurrent loans | 58.4906% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.1389% | 4,612 |
| Noncurrent loans to loans | 1.9180% | 3,585 |
| Net loans and leases to total assets | 56.9230% | 4,827 |
| Net loans and leases to deposits | 64.2111% | 5,241 |
| Net loans and leases to core deposits | 69.1613% | 5,167 |
| Total domestic deposits to total assets | 88.6499% | 1,748 |
| Equity capital to assets | 10.9146% | 3,045 |
| Core capital (leverage) ratio | 10.1565% | 3,084 |
| Tier 1 risk-based capital ratio | 16.9781% | 2,533 |
| Total risk-based capital ratio | 18.0554% | 2,567 |
| Memoranda: | ||
| Average total assets | $101,266,670 | 4,924 |
| Average earning assets | $95,150,330 | 4,841 |
| Average equity | $10,878,670 | 4,831 |
| Average total loans | $58,058,000 | 5,046 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9390% | 544 |
| Cost of funding earning assets | 1.0503% | 3,850 |
| Net interest margin | 4.8887% | 478 |
| Noninterest income to average assets | 0.7724% | 2,144 |
| Noninterest expense to average assets | 2.9596% | 3,819 |
| Loan and lease loss provision to assets | 0.1498% | 4,146 |
| Net operating income to assets | 2.2306% | 246 |
| Return on assets (ROA) | 2.2306% | 261 |
| Pretax return on assets | 2.2306% | 378 |
| Return on Equity (ROE) | 20.9300% | 296 |
| Retained earnings to average equity (ytd only) | 20.9300% | 155 |
| Net charge-offs to loans | 0.0758% | 4,181 |
| Credit loss provision to net charge-offs | 345.4545% | 948 |
| Earnings coverage of net charge-offs (x) | 54.9091% | 536 |
| Efficiency ratio | 55.4244% | 6,568 |
| Assets per employee ($millions) | 3.3723% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 5,814 |
| Loan loss allowance to noncurrent loans | 63.1678% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 4,743 |
| Noncurrent loans to loans | 1.8322% | 3,789 |
| Net loans and leases to total assets | 56.8964% | 4,827 |
| Net loans and leases to deposits | 64.1070% | 5,238 |
| Net loans and leases to core deposits | 69.0023% | 5,169 |
| Total domestic deposits to total assets | 88.7524% | 1,924 |
| Equity capital to assets | 10.9363% | 2,753 |
| Core capital (leverage) ratio | 10.4243% | 2,679 |
| Tier 1 risk-based capital ratio | 17.4973% | 2,297 |
| Total risk-based capital ratio | 18.6066% | 2,328 |
| Memoranda: | ||
| Average total assets | $101,499,500 | 4,959 |
| Average earning assets | $94,830,000 | 4,895 |
| Average equity | $10,817,000 | 4,841 |
| Average total loans | $58,072,000 | 5,086 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0281% | 798 |
| Cost of funding earning assets | 1.2782% | 4,030 |
| Net interest margin | 4.7498% | 733 |
| Noninterest income to average assets | 0.7366% | 2,615 |
| Noninterest expense to average assets | 2.8334% | 4,465 |
| Loan and lease loss provision to assets | 0.1511% | 5,689 |
| Net operating income to assets | 2.2077% | 196 |
| Return on assets (ROA) | 2.2077% | 201 |
| Pretax return on assets | 2.2077% | 314 |
| Return on Equity (ROE) | 20.4782% | 227 |
| Retained earnings to average equity (ytd only) | 4.1031% | 2,983 |
| Net charge-offs to loans | 0.0980% | 5,874 |
| Credit loss provision to net charge-offs | 272.7273% | 1,004 |
| Earnings coverage of net charge-offs (x) | 42.5636% | 545 |
| Efficiency ratio | 54.5702% | 6,754 |
| Assets per employee ($millions) | 3.2849% | 5,468 |
| Cash dividends to net income (ytd only)* | 79.9635% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 5,891 |
| Loan loss allowance to noncurrent loans | 55.7759% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.1391% | 4,734 |
| Noncurrent loans to loans | 2.0031% | 3,557 |
| Net loans and leases to total assets | 56.2324% | 5,307 |
| Net loans and leases to deposits | 63.1919% | 5,721 |
| Net loans and leases to core deposits | 67.5801% | 5,699 |
| Total domestic deposits to total assets | 88.9867% | 1,669 |
| Equity capital to assets | 10.3799% | 3,297 |
| Core capital (leverage) ratio | 9.9548% | 3,142 |
| Tier 1 risk-based capital ratio | 16.5390% | 2,508 |
| Total risk-based capital ratio | 17.6022% | 2,551 |
| Memoranda: | ||
| Average total assets | $99,244,000 | 5,005 |
| Average earning assets | $93,098,000 | 4,915 |
| Average equity | $10,699,200 | 4,935 |
| Average total loans | $56,117,200 | 5,228 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0848% | 786 |
| Cost of funding earning assets | 1.3213% | 4,104 |
| Net interest margin | 4.7635% | 726 |
| Noninterest income to average assets | 0.7532% | 2,489 |
| Noninterest expense to average assets | 2.7857% | 4,551 |
| Loan and lease loss provision to assets | 0.1528% | 5,513 |
| Net operating income to assets | 2.2853% | 196 |
| Return on assets (ROA) | 2.2853% | 211 |
| Pretax return on assets | 2.2853% | 353 |
| Return on Equity (ROE) | 20.9969% | 254 |
| Retained earnings to average equity (ytd only) | 4.3485% | 3,433 |
| Net charge-offs to loans | 0.0766% | 5,754 |
| Credit loss provision to net charge-offs | 353.1250% | 888 |
| Earnings coverage of net charge-offs (x) | 56.3379% | 515 |
| Efficiency ratio | 53.3264% | 6,856 |
| Assets per employee ($millions) | 3.2095% | 5,658 |
| Cash dividends to net income (ytd only)* | 79.2897% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,852 |
| Loan loss allowance to noncurrent loans | 50.9662% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.2483% | 4,651 |
| Noncurrent loans to loans | 2.1992% | 3,447 |
| Net loans and leases to total assets | 56.1254% | 5,534 |
| Net loans and leases to deposits | 63.4186% | 5,980 |
| Net loans and leases to core deposits | 67.9641% | 5,946 |
| Total domestic deposits to total assets | 88.4999% | 1,671 |
| Equity capital to assets | 11.0237% | 2,936 |
| Core capital (leverage) ratio | 10.1668% | 3,075 |
| Tier 1 risk-based capital ratio | 16.9222% | 2,367 |
| Total risk-based capital ratio | 17.9960% | 2,404 |
| Memoranda: | ||
| Average total assets | $98,597,250 | 5,091 |
| Average earning assets | $92,534,500 | 4,991 |
| Average equity | $10,731,500 | 4,991 |
| Average total loans | $55,669,250 | 5,323 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0668% | 815 |
| Cost of funding earning assets | 1.3575% | 4,145 |
| Net interest margin | 4.7092% | 804 |
| Noninterest income to average assets | 0.7528% | 2,377 |
| Noninterest expense to average assets | 2.8180% | 4,402 |
| Loan and lease loss provision to assets | 0.1526% | 5,375 |
| Net operating income to assets | 2.2218% | 222 |
| Return on assets (ROA) | 2.2218% | 244 |
| Pretax return on assets | 2.2218% | 392 |
| Return on Equity (ROE) | 20.5019% | 291 |
| Retained earnings to average equity (ytd only) | 3.4170% | 3,940 |
| Net charge-offs to loans | 0.0505% | 5,681 |
| Credit loss provision to net charge-offs | 535.7143% | 693 |
| Earnings coverage of net charge-offs (x) | 83.3571% | 382 |
| Efficiency ratio | 54.2712% | 6,849 |
| Assets per employee ($millions) | 3.2747% | 5,498 |
| Cash dividends to net income (ytd only)* | 83.3333% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 5,963 |
| Loan loss allowance to noncurrent loans | 47.5194% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 1.3131% | 4,519 |
| Noncurrent loans to loans | 2.3048% | 3,364 |
| Net loans and leases to total assets | 56.3492% | 5,649 |
| Net loans and leases to deposits | 63.4912% | 6,088 |
| Net loans and leases to core deposits | 68.0425% | 6,050 |
| Total domestic deposits to total assets | 88.7511% | 1,570 |
| Equity capital to assets | 10.8763% | 2,988 |
| Core capital (leverage) ratio | 9.9316% | 3,244 |
| Tier 1 risk-based capital ratio | 16.8176% | 2,357 |
| Total risk-based capital ratio | 17.8687% | 2,385 |
| Memoranda: | ||
| Average total assets | $98,298,000 | 5,129 |
| Average earning assets | $92,669,000 | 5,026 |
| Average equity | $10,652,670 | 5,015 |
| Average total loans | $55,400,670 | 5,364 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0758% | 821 |
| Cost of funding earning assets | 1.3852% | 4,271 |
| Net interest margin | 4.6906% | 796 |
| Noninterest income to average assets | 0.7729% | 2,156 |
| Noninterest expense to average assets | 2.6849% | 4,979 |
| Loan and lease loss provision to assets | 0.1546% | 4,988 |
| Net operating income to assets | 2.3554% | 188 |
| Return on assets (ROA) | 2.3554% | 211 |
| Pretax return on assets | 2.3554% | 321 |
| Return on Equity (ROE) | 21.7741% | 285 |
| Retained earnings to average equity (ytd only) | 21.7741% | 157 |
| Net charge-offs to loans | 0.1016% | 4,401 |
| Credit loss provision to net charge-offs | 271.4286% | 1,460 |
| Earnings coverage of net charge-offs (x) | 44.0714% | 629 |
| Efficiency ratio | 51.6836% | 7,179 |
| Assets per employee ($millions) | 4.9467% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 6,317 |
| Loan loss allowance to noncurrent loans | 60.5042% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 0.9623% | 5,231 |
| Noncurrent loans to loans | 1.7046% | 4,187 |
| Net loans and leases to total assets | 55.8701% | 5,761 |
| Net loans and leases to deposits | 62.9774% | 6,174 |
| Net loans and leases to core deposits | 67.8617% | 6,115 |
| Total domestic deposits to total assets | 88.7146% | 1,665 |
| Equity capital to assets | 10.9984% | 2,763 |
| Core capital (leverage) ratio | 10.3611% | 2,753 |
| Tier 1 risk-based capital ratio | 17.5377% | 2,068 |
| Total risk-based capital ratio | 18.5276% | 2,116 |
| Memoranda: | ||
| Average total assets | $98,326,500 | 5,200 |
| Average earning assets | $92,695,500 | 5,087 |
| Average equity | $10,636,500 | 5,066 |
| Average total loans | $55,115,500 | 5,452 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0728% | 1,595 |
| Cost of funding earning assets | 1.6526% | 4,782 |
| Net interest margin | 4.4202% | 1,381 |
| Noninterest income to average assets | 0.7105% | 2,894 |
| Noninterest expense to average assets | 2.8139% | 4,913 |
| Loan and lease loss provision to assets | 0.1556% | 6,118 |
| Net operating income to assets | 1.8939% | 294 |
| Return on assets (ROA) | 1.9312% | 275 |
| Pretax return on assets | 1.9312% | 474 |
| Return on Equity (ROE) | 18.1808% | 353 |
| Retained earnings to average equity (ytd only) | 3.6322% | 2,641 |
| Net charge-offs to loans | 0.1532% | 5,736 |
| Credit loss provision to net charge-offs | 192.3077% | 2,067 |
| Earnings coverage of net charge-offs (x) | 25.3333% | 879 |
| Efficiency ratio | 57.8588% | 6,787 |
| Assets per employee ($millions) | 3.6193% | 4,733 |
| Cash dividends to net income (ytd only)* | 80.0215% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 6,290 |
| Loan loss allowance to noncurrent loans | 108.0235% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.5229% | 6,146 |
| Noncurrent loans to loans | 0.9397% | 5,433 |
| Net loans and leases to total assets | 55.0849% | 6,071 |
| Net loans and leases to deposits | 62.1116% | 6,459 |
| Net loans and leases to core deposits | 80.0300% | 6,098 |
| Total domestic deposits to total assets | 88.6871% | 1,633 |
| Equity capital to assets | 10.6345% | 3,039 |
| Core capital (leverage) ratio | 9.8478% | 3,271 |
| Tier 1 risk-based capital ratio | 16.9597% | 2,161 |
| Total risk-based capital ratio | 17.9323% | 2,205 |
| Memoranda: | ||
| Average total assets | $96,414,600 | 5,184 |
| Average earning assets | $90,584,600 | 5,101 |
| Average equity | $10,241,600 | 5,228 |
| Average total loans | $50,918,200 | 5,628 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0551% | 1,816 |
| Cost of funding earning assets | 1.6855% | 4,975 |
| Net interest margin | 4.3696% | 1,530 |
| Noninterest income to average assets | 0.7382% | 2,771 |
| Noninterest expense to average assets | 2.7932% | 4,927 |
| Loan and lease loss provision to assets | 0.1568% | 5,781 |
| Net operating income to assets | 1.8927% | 365 |
| Return on assets (ROA) | 1.9426% | 354 |
| Pretax return on assets | 1.9426% | 600 |
| Return on Equity (ROE) | 18.2930% | 430 |
| Retained earnings to average equity (ytd only) | 4.4426% | 2,792 |
| Net charge-offs to loans | 0.0826% | 5,856 |
| Credit loss provision to net charge-offs | 364.5161% | 1,114 |
| Earnings coverage of net charge-offs (x) | 47.6477% | 665 |
| Efficiency ratio | 57.6791% | 6,764 |
| Assets per employee ($millions) | 3.5958% | 4,699 |
| Cash dividends to net income (ytd only)* | 75.7144% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 6,051 |
| Loan loss allowance to noncurrent loans | 97.0639% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 5,960 |
| Noncurrent loans to loans | 1.0738% | 5,163 |
| Net loans and leases to total assets | 54.9585% | 6,271 |
| Net loans and leases to deposits | 61.8940% | 6,683 |
| Net loans and leases to core deposits | 79.8423% | 6,366 |
| Total domestic deposits to total assets | 88.7945% | 1,293 |
| Equity capital to assets | 10.7235% | 3,267 |
| Core capital (leverage) ratio | 9.9573% | 3,330 |
| Tier 1 risk-based capital ratio | 17.1364% | 2,236 |
| Total risk-based capital ratio | 18.1438% | 2,256 |
| Memoranda: | ||
| Average total assets | $96,088,250 | 5,241 |
| Average earning assets | $90,257,750 | 5,156 |
| Average equity | $10,204,000 | 5,285 |
| Average total loans | $50,052,500 | 5,718 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9280% | 2,464 |
| Cost of funding earning assets | 1.7270% | 5,139 |
| Net interest margin | 4.2010% | 1,996 |
| Noninterest income to average assets | 0.7018% | 2,982 |
| Noninterest expense to average assets | 2.6609% | 5,518 |
| Loan and lease loss provision to assets | 0.1566% | 5,502 |
| Net operating income to assets | 1.8422% | 420 |
| Return on assets (ROA) | 1.9048% | 404 |
| Pretax return on assets | 1.9048% | 690 |
| Return on Equity (ROE) | 17.9970% | 496 |
| Retained earnings to average equity (ytd only) | 5.4662% | 2,262 |
| Net charge-offs to loans | 0.0902% | 5,284 |
| Credit loss provision to net charge-offs | 340.9091% | 1,358 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 761 |
| Efficiency ratio | 57.1044% | 6,975 |
| Assets per employee ($millions) | 3.3187% | 5,265 |
| Cash dividends to net income (ytd only)* | 69.6272% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 5,945 |
| Loan loss allowance to noncurrent loans | 110.3520% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 6,168 |
| Noncurrent loans to loans | 0.9466% | 5,333 |
| Net loans and leases to total assets | 52.4641% | 6,627 |
| Net loans and leases to deposits | 58.7401% | 6,978 |
| Net loans and leases to core deposits | 75.7278% | 6,697 |
| Total domestic deposits to total assets | 89.3156% | 1,115 |
| Equity capital to assets | 10.3353% | 3,586 |
| Core capital (leverage) ratio | 9.6870% | 3,651 |
| Tier 1 risk-based capital ratio | 17.7232% | 2,085 |
| Total risk-based capital ratio | 18.7143% | 2,118 |
| Memoranda: | ||
| Average total assets | $95,755,670 | 5,289 |
| Average earning assets | $90,215,670 | 5,189 |
| Average equity | $10,135,000 | 5,326 |
| Average total loans | $48,763,670 | 5,815 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9333% | 2,631 |
| Cost of funding earning assets | 1.8298% | 4,976 |
| Net interest margin | 4.1036% | 2,253 |
| Noninterest income to average assets | 0.6491% | 3,203 |
| Noninterest expense to average assets | 2.6510% | 5,217 |
| Loan and lease loss provision to assets | 0.1550% | 4,947 |
| Net operating income to assets | 1.6752% | 683 |
| Return on assets (ROA) | 1.7548% | 633 |
| Pretax return on assets | 1.7548% | 1,068 |
| Return on Equity (ROE) | 16.3848% | 764 |
| Retained earnings to average equity (ytd only) | 16.3848% | 308 |
| Net charge-offs to loans | 0.0756% | 4,422 |
| Credit loss provision to net charge-offs | 411.1111% | 1,279 |
| Earnings coverage of net charge-offs (x) | 48.5556% | 747 |
| Efficiency ratio | 59.1589% | 6,531 |
| Assets per employee ($millions) | 3.4652% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 5,670 |
| Loan loss allowance to noncurrent loans | 88.5017% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 5,755 |
| Noncurrent loans to loans | 1.2116% | 4,545 |
| Net loans and leases to total assets | 46.6405% | 7,142 |
| Net loans and leases to deposits | 52.1804% | 7,393 |
| Net loans and leases to core deposits | 66.5517% | 7,217 |
| Total domestic deposits to total assets | 89.3830% | 1,062 |
| Equity capital to assets | 10.4020% | 3,563 |
| Core capital (leverage) ratio | 9.8983% | 3,519 |
| Tier 1 risk-based capital ratio | 18.6094% | 1,902 |
| Total risk-based capital ratio | 19.5868% | 1,930 |
| Memoranda: | ||
| Average total assets | $95,512,000 | 5,316 |
| Average earning assets | $89,191,000 | 5,251 |
| Average equity | $10,229,000 | 5,317 |
| Average total loans | $47,632,500 | 5,885 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5933% | 2,517 |
| Cost of funding earning assets | 2.2540% | 5,352 |
| Net interest margin | 4.3393% | 1,858 |
| Noninterest income to average assets | 0.8816% | 2,051 |
| Noninterest expense to average assets | 2.9023% | 4,442 |
| Loan and lease loss provision to assets | 0.2139% | 4,753 |
| Net operating income to assets | 1.8455% | 500 |
| Return on assets (ROA) | 1.9008% | 418 |
| Pretax return on assets | 1.9008% | 764 |
| Return on Equity (ROE) | 17.7517% | 552 |
| Retained earnings to average equity (ytd only) | 3.5569% | 2,930 |
| Net charge-offs to loans | 0.1762% | 4,437 |
| Credit loss provision to net charge-offs | 230.3797% | 2,067 |
| Earnings coverage of net charge-offs (x) | 22.1772% | 1,484 |
| Efficiency ratio | 58.4932% | 6,601 |
| Assets per employee ($millions) | 3.1219% | 5,711 |
| Cash dividends to net income (ytd only)* | 79.9629% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 6,032 |
| Loan loss allowance to noncurrent loans | 99.1736% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 5,572 |
| Noncurrent loans to loans | 1.0107% | 4,562 |
| Net loans and leases to total assets | 52.3649% | 6,813 |
| Net loans and leases to deposits | 59.3565% | 7,133 |
| Net loans and leases to core deposits | 75.5819% | 6,881 |
| Total domestic deposits to total assets | 88.2210% | 1,372 |
| Equity capital to assets | 11.0511% | 3,000 |
| Core capital (leverage) ratio | 10.4657% | 3,004 |
| Tier 1 risk-based capital ratio | 18.2579% | 1,969 |
| Total risk-based capital ratio | 19.2049% | 1,994 |
| Memoranda: | ||
| Average total assets | $85,069,800 | 5,515 |
| Average earning assets | $79,990,600 | 5,430 |
| Average equity | $9,109,000 | 5,704 |
| Average total loans | $44,824,400 | 5,934 |