Home > Davis Trust Company > Performance and Condition Ratios
Davis Trust Company, 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 | 5.1612% | 1,736 |
| Cost of funding earning assets | 1.2862% | 2,565 |
| Net interest margin | 3.8750% | 1,427 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 2.7547% | 1,617 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.5887% | 3,461 |
| Return on assets (ROA) | 0.5887% | 3,458 |
| Pretax return on assets | 0.7093% | 3,417 |
| Return on Equity (ROE) | 9.9300% | 2,513 |
| Retained earnings to average equity (ytd only) | 4.3423% | 2,852 |
| Net charge-offs to loans | -0.0006% | 3,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.0015% | 1,071 |
| Assets per employee ($millions) | 5.7004% | 3,072 |
| Cash dividends to net income (ytd only)* | 56.2641% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 2,494 |
| Loan loss allowance to noncurrent loans | 49.5571% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 2.2818% | 106 |
| Noncurrent loans to loans | 2.3442% | 220 |
| Net loans and leases to total assets | 77.5400% | 909 |
| Net loans and leases to deposits | 104.9405% | 324 |
| Net loans and leases to core deposits | 116.0238% | 743 |
| Total domestic deposits to total assets | 73.8900% | 4,112 |
| Equity capital to assets | 5.8221% | 4,269 |
| Core capital (leverage) ratio | 8.5243% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4237% | 2,445 |
| Memoranda: | ||
| Average total assets | $226,412,000 | 2,804 |
| Average earning assets | $200,436,800 | 2,866 |
| Average equity | $13,426,000 | 3,384 |
| Average total loans | $175,182,600 | 2,488 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0428% | 1,747 |
| Cost of funding earning assets | 1.1370% | 2,636 |
| Net interest margin | 3.9058% | 1,384 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.7836% | 1,470 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.6871% | 3,354 |
| Return on assets (ROA) | 0.6871% | 3,337 |
| Pretax return on assets | 0.8526% | 3,208 |
| Return on Equity (ROE) | 11.5300% | 2,243 |
| Retained earnings to average equity (ytd only) | 4.0106% | 3,252 |
| Net charge-offs to loans | 0.0023% | 2,470 |
| Credit loss provision to net charge-offs | 5,066.6667% | 103 |
| Earnings coverage of net charge-offs (x) | 526.3333% | 294 |
| Efficiency ratio | 74.6874% | 1,300 |
| Assets per employee ($millions) | 5.5993% | 3,102 |
| Cash dividends to net income (ytd only)* | 65.2174% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,349 |
| Loan loss allowance to noncurrent loans | 49.0868% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 2.8349% | 79 |
| Noncurrent loans to loans | 2.4483% | 201 |
| Net loans and leases to total assets | 77.9600% | 890 |
| Net loans and leases to deposits | 106.2388% | 286 |
| Net loans and leases to core deposits | 113.9564% | 730 |
| Total domestic deposits to total assets | 73.3800% | 4,200 |
| Equity capital to assets | 5.8278% | 4,043 |
| Core capital (leverage) ratio | 8.5266% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5269% | 2,441 |
| Memoranda: | ||
| Average total assets | $223,161,250 | 2,840 |
| Average earning assets | $197,002,250 | 2,898 |
| Average equity | $13,297,750 | 3,395 |
| Average total loans | $172,021,500 | 2,514 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8671% | 1,846 |
| Cost of funding earning assets | 1.0097% | 2,571 |
| Net interest margin | 3.8574% | 1,510 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.7409% | 1,549 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.6434% | 3,477 |
| Return on assets (ROA) | 0.6434% | 3,487 |
| Pretax return on assets | 0.7999% | 3,397 |
| Return on Equity (ROE) | 10.7200% | 2,498 |
| Retained earnings to average equity (ytd only) | -0.5878% | 4,170 |
| Net charge-offs to loans | 0.0024% | 2,273 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 487.0000% | 299 |
| Efficiency ratio | 75.6682% | 1,202 |
| Assets per employee ($millions) | 5.5812% | 3,075 |
| Cash dividends to net income (ytd only)* | 105.4852% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,334 |
| Loan loss allowance to noncurrent loans | 47.3484% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 2.8681% | 79 |
| Noncurrent loans to loans | 2.5810% | 177 |
| Net loans and leases to total assets | 74.7400% | 1,200 |
| Net loans and leases to deposits | 99.7207% | 525 |
| Net loans and leases to core deposits | 103.0903% | 1,089 |
| Total domestic deposits to total assets | 74.9500% | 4,122 |
| Equity capital to assets | 5.6584% | 4,249 |
| Core capital (leverage) ratio | 8.3644% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4945% | 2,467 |
| Memoranda: | ||
| Average total assets | $221,024,667 | 2,863 |
| Average earning assets | $195,105,333 | 2,929 |
| Average equity | $13,270,667 | 3,410 |
| Average total loans | $168,979,000 | 2,530 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9538% | 1,323 |
| Cost of funding earning assets | 0.8887% | 2,409 |
| Net interest margin | 4.0651% | 1,149 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 2.8758% | 1,284 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.4956% | 3,911 |
| Return on assets (ROA) | 0.4956% | 3,876 |
| Pretax return on assets | 0.5987% | 3,842 |
| Return on Equity (ROE) | 8.0100% | 3,284 |
| Retained earnings to average equity (ytd only) | 8.0107% | 2,212 |
| Net charge-offs to loans | 0.0072% | 1,677 |
| Credit loss provision to net charge-offs | 2,200.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 130.3333% | 665 |
| Efficiency ratio | 79.9693% | 837 |
| Assets per employee ($millions) | 4.9349% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,308 |
| Loan loss allowance to noncurrent loans | 46.0370% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 3.5139% | 32 |
| Noncurrent loans to loans | 2.7095% | 173 |
| Net loans and leases to total assets | 76.2400% | 950 |
| Net loans and leases to deposits | 98.6861% | 502 |
| Net loans and leases to core deposits | 100.8382% | 1,054 |
| Total domestic deposits to total assets | 77.2500% | 4,065 |
| Equity capital to assets | 6.1423% | 4,153 |
| Core capital (leverage) ratio | 8.4907% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $217,123,000 | 2,928 |
| Average earning assets | $191,289,000 | 2,993 |
| Average equity | $13,432,000 | 3,437 |
| Average total loans | $166,893,000 | 2,571 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 933 |
| Cost of funding earning assets | 0.3805% | 2,255 |
| Net interest margin | 3.9888% | 803 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.9091% | 1,112 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.6870% | 3,651 |
| Return on assets (ROA) | 0.6870% | 3,602 |
| Pretax return on assets | 0.8365% | 3,527 |
| Return on Equity (ROE) | 9.8500% | 2,849 |
| Retained earnings to average equity (ytd only) | 2.9139% | 3,743 |
| Net charge-offs to loans | 0.0239% | 1,580 |
| Credit loss provision to net charge-offs | 433.3333% | 741 |
| Earnings coverage of net charge-offs (x) | 52.3611% | 1,325 |
| Efficiency ratio | 76.1332% | 993 |
| Assets per employee ($millions) | 5.0491% | 3,639 |
| Cash dividends to net income (ytd only)* | 70.4225% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 4,064 |
| Loan loss allowance to noncurrent loans | 28.7792% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 3.6502% | 29 |
| Noncurrent loans to loans | 2.7312% | 165 |
| Net loans and leases to total assets | 75.9300% | 1,015 |
| Net loans and leases to deposits | 95.2593% | 694 |
| Net loans and leases to core deposits | 96.9518% | 1,153 |
| Total domestic deposits to total assets | 79.7100% | 3,918 |
| Equity capital to assets | 6.2305% | 4,007 |
| Core capital (leverage) ratio | 9.1738% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $206,696,400 | 3,000 |
| Average earning assets | $179,755,000 | 3,064 |
| Average equity | $14,413,800 | 3,420 |
| Average total loans | $150,925,200 | 2,626 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1845% | 915 |
| Cost of funding earning assets | 0.2767% | 2,421 |
| Net interest margin | 3.9078% | 790 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.8790% | 1,094 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.8231% | 3,161 |
| Return on assets (ROA) | 0.8231% | 3,123 |
| Pretax return on assets | 1.0283% | 2,941 |
| Return on Equity (ROE) | 11.4800% | 2,208 |
| Retained earnings to average equity (ytd only) | 6.9236% | 2,390 |
| Net charge-offs to loans | 0.0381% | 1,116 |
| Credit loss provision to net charge-offs | 300.0000% | 808 |
| Earnings coverage of net charge-offs (x) | 40.4762% | 1,384 |
| Efficiency ratio | 72.1631% | 1,492 |
| Assets per employee ($millions) | 5.1282% | 3,566 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 4,131 |
| Loan loss allowance to noncurrent loans | 27.1890% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 3.7622% | 29 |
| Noncurrent loans to loans | 2.8709% | 169 |
| Net loans and leases to total assets | 71.5400% | 1,339 |
| Net loans and leases to deposits | 89.9974% | 889 |
| Net loans and leases to core deposits | 91.3991% | 1,211 |
| Total domestic deposits to total assets | 79.4900% | 4,143 |
| Equity capital to assets | 6.5006% | 3,737 |
| Core capital (leverage) ratio | 9.5211% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $204,092,750 | 3,041 |
| Average earning assets | $176,871,750 | 3,111 |
| Average equity | $14,635,500 | 3,454 |
| Average total loans | $147,117,750 | 2,663 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 766 |
| Cost of funding earning assets | 0.1425% | 3,672 |
| Net interest margin | 3.9588% | 540 |
| Noninterest income to average assets | 0.6551% | 1,522 |
| Noninterest expense to average assets | 2.8937% | 999 |
| Loan and lease loss provision to assets | 0.0955% | 1,039 |
| Net operating income to assets | 0.8603% | 2,734 |
| Return on assets (ROA) | 0.8603% | 2,710 |
| Pretax return on assets | 1.0797% | 2,481 |
| Return on Equity (ROE) | 11.5832% | 1,802 |
| Retained earnings to average equity (ytd only) | 4.7454% | 2,801 |
| Net charge-offs to loans | 0.0493% | 902 |
| Credit loss provision to net charge-offs | 268.5714% | 839 |
| Earnings coverage of net charge-offs (x) | 33.0571% | 1,352 |
| Efficiency ratio | 71.1183% | 1,815 |
| Assets per employee ($millions) | 4.7173% | 3,919 |
| Cash dividends to net income (ytd only)* | 59.0319% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8269% | 4,132 |
| Loan loss allowance to noncurrent loans | 26.9790% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 4.2645% | 26 |
| Noncurrent loans to loans | 3.0648% | 161 |
| Net loans and leases to total assets | 75.3086% | 791 |
| Net loans and leases to deposits | 84.5988% | 1,080 |
| Net loans and leases to core deposits | 85.9383% | 1,340 |
| Total domestic deposits to total assets | 89.0186% | 2,176 |
| Equity capital to assets | 7.2626% | 3,620 |
| Core capital (leverage) ratio | 9.6510% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,910,000 | 3,115 |
| Average earning assets | $169,801,000 | 3,218 |
| Average equity | $14,624,667 | 3,534 |
| Average total loans | $141,923,333 | 2,734 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 773 |
| Cost of funding earning assets | 0.1444% | 3,575 |
| Net interest margin | 3.8549% | 558 |
| Noninterest income to average assets | 0.4748% | 2,279 |
| Noninterest expense to average assets | 2.8609% | 1,039 |
| Loan and lease loss provision to assets | 0.0367% | 1,703 |
| Net operating income to assets | 0.7193% | 2,984 |
| Return on assets (ROA) | 0.7193% | 2,975 |
| Pretax return on assets | 0.8945% | 2,797 |
| Return on Equity (ROE) | 9.5778% | 2,131 |
| Retained earnings to average equity (ytd only) | 9.5778% | 1,128 |
| Net charge-offs to loans | -0.0029% | 3,177 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4433% | 1,588 |
| Assets per employee ($millions) | 4.9944% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8659% | 4,121 |
| Loan loss allowance to noncurrent loans | 25.4599% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 4.2968% | 32 |
| Noncurrent loans to loans | 3.4012% | 133 |
| Net loans and leases to total assets | 68.9948% | 1,117 |
| Net loans and leases to deposits | 75.4471% | 1,494 |
| Net loans and leases to core deposits | 76.5993% | 1,737 |
| Total domestic deposits to total assets | 91.4479% | 832 |
| Equity capital to assets | 7.3647% | 4,008 |
| Core capital (leverage) ratio | 9.8109% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,302,000 | 3,129 |
| Average earning assets | $168,929,500 | 3,234 |
| Average equity | $14,742,500 | 3,585 |
| Average total loans | $137,660,000 | 2,771 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 729 |
| Cost of funding earning assets | 0.1774% | 3,689 |
| Net interest margin | 4.2118% | 475 |
| Noninterest income to average assets | 0.5427% | 2,389 |
| Noninterest expense to average assets | 3.1444% | 793 |
| Loan and lease loss provision to assets | 0.0597% | 1,863 |
| Net operating income to assets | 0.7485% | 3,495 |
| Return on assets (ROA) | 0.7485% | 3,558 |
| Pretax return on assets | 0.9239% | 3,443 |
| Return on Equity (ROE) | 9.9832% | 2,528 |
| Retained earnings to average equity (ytd only) | 0.7600% | 4,315 |
| Net charge-offs to loans | 0.2609% | 344 |
| Credit loss provision to net charge-offs | 32.1429% | 2,228 |
| Earnings coverage of net charge-offs (x) | 5.2917% | 2,454 |
| Efficiency ratio | 76.1726% | 1,094 |
| Assets per employee ($millions) | 4.8207% | 3,867 |
| Cash dividends to net income (ytd only)* | 92.3873% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 4,138 |
| Loan loss allowance to noncurrent loans | 25.1326% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 4.4356% | 35 |
| Noncurrent loans to loans | 3.4598% | 147 |
| Net loans and leases to total assets | 70.0604% | 1,037 |
| Net loans and leases to deposits | 76.8871% | 1,499 |
| Net loans and leases to core deposits | 78.1001% | 1,753 |
| Total domestic deposits to total assets | 91.1211% | 454 |
| Equity capital to assets | 7.6607% | 4,526 |
| Core capital (leverage) ratio | 10.2740% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0035% | 2,252 |
| Memoranda: | ||
| Average total assets | $180,765,200 | 3,205 |
| Average earning assets | $153,877,800 | 3,335 |
| Average equity | $13,552,800 | 3,785 |
| Average total loans | $128,765,600 | 2,868 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4287% | 774 |
| Cost of funding earning assets | 0.1871% | 3,744 |
| Net interest margin | 4.2416% | 507 |
| Noninterest income to average assets | 0.5573% | 2,384 |
| Noninterest expense to average assets | 3.1144% | 801 |
| Loan and lease loss provision to assets | 0.0653% | 1,693 |
| Net operating income to assets | 0.7921% | 3,544 |
| Return on assets (ROA) | 0.7921% | 3,611 |
| Pretax return on assets | 0.9819% | 3,514 |
| Return on Equity (ROE) | 10.6278% | 2,509 |
| Retained earnings to average equity (ytd only) | 5.5957% | 3,001 |
| Net charge-offs to loans | 0.1954% | 433 |
| Credit loss provision to net charge-offs | 46.7742% | 1,878 |
| Earnings coverage of net charge-offs (x) | 7.5054% | 2,132 |
| Efficiency ratio | 74.8378% | 1,145 |
| Assets per employee ($millions) | 4.4034% | 4,190 |
| Cash dividends to net income (ytd only)* | 47.3485% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,799 |
| Loan loss allowance to noncurrent loans | 219.7324% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 2.5911% | 117 |
| Noncurrent loans to loans | 0.4610% | 2,179 |
| Net loans and leases to total assets | 71.1302% | 969 |
| Net loans and leases to deposits | 78.1154% | 1,473 |
| Net loans and leases to core deposits | 79.0662% | 1,814 |
| Total domestic deposits to total assets | 91.0578% | 352 |
| Equity capital to assets | 7.5098% | 4,701 |
| Core capital (leverage) ratio | 10.6785% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,749,500 | 3,264 |
| Average earning assets | $151,039,750 | 3,401 |
| Average equity | $13,248,000 | 3,861 |
| Average total loans | $126,886,750 | 2,924 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 910 |
| Cost of funding earning assets | 0.1975% | 3,779 |
| Net interest margin | 4.1616% | 626 |
| Noninterest income to average assets | 0.5814% | 2,291 |
| Noninterest expense to average assets | 3.1410% | 794 |
| Loan and lease loss provision to assets | 0.0645% | 1,753 |
| Net operating income to assets | 0.7273% | 3,691 |
| Return on assets (ROA) | 0.7273% | 3,760 |
| Pretax return on assets | 0.9026% | 3,659 |
| Return on Equity (ROE) | 9.7834% | 2,836 |
| Retained earnings to average equity (ytd only) | 2.1758% | 4,073 |
| Net charge-offs to loans | 0.2986% | 291 |
| Credit loss provision to net charge-offs | 30.3191% | 1,699 |
| Earnings coverage of net charge-offs (x) | 4.5479% | 2,027 |
| Efficiency ratio | 76.4593% | 1,040 |
| Assets per employee ($millions) | 4.1888% | 4,336 |
| Cash dividends to net income (ytd only)* | 77.7605% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 3,815 |
| Loan loss allowance to noncurrent loans | 24.2757% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 5.3379% | 30 |
| Noncurrent loans to loans | 4.1297% | 127 |
| Net loans and leases to total assets | 71.9576% | 976 |
| Net loans and leases to deposits | 79.0443% | 1,516 |
| Net loans and leases to core deposits | 80.0312% | 1,886 |
| Total domestic deposits to total assets | 91.0345% | 363 |
| Equity capital to assets | 7.4575% | 4,749 |
| Core capital (leverage) ratio | 10.5092% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,820,000 | 3,272 |
| Average earning assets | $149,844,667 | 3,419 |
| Average equity | $13,144,667 | 3,878 |
| Average total loans | $125,938,667 | 2,950 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 938 |
| Cost of funding earning assets | 0.2157% | 3,767 |
| Net interest margin | 4.1589% | 654 |
| Noninterest income to average assets | 0.5641% | 2,354 |
| Noninterest expense to average assets | 3.0124% | 971 |
| Loan and lease loss provision to assets | 0.0722% | 1,725 |
| Net operating income to assets | 0.7943% | 3,440 |
| Return on assets (ROA) | 0.7943% | 3,509 |
| Pretax return on assets | 1.0041% | 3,357 |
| Return on Equity (ROE) | 10.7015% | 2,458 |
| Retained earnings to average equity (ytd only) | 10.7015% | 1,472 |
| Net charge-offs to loans | -0.0384% | 4,287 |
| Credit loss provision to net charge-offs | -266.6667% | 3,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6755% | 1,342 |
| Assets per employee ($millions) | 4.5293% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 3,314 |
| Loan loss allowance to noncurrent loans | 140.3661% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 2.8614% | 114 |
| Noncurrent loans to loans | 0.8009% | 1,655 |
| Net loans and leases to total assets | 70.7370% | 1,189 |
| Net loans and leases to deposits | 79.9405% | 1,526 |
| Net loans and leases to core deposits | 80.9371% | 1,917 |
| Total domestic deposits to total assets | 88.4871% | 1,616 |
| Equity capital to assets | 7.3102% | 4,773 |
| Core capital (leverage) ratio | 10.8144% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,265,000 | 3,266 |
| Average earning assets | $150,232,500 | 3,413 |
| Average equity | $13,157,000 | 3,886 |
| Average total loans | $124,969,500 | 2,965 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 1,202 |
| Cost of funding earning assets | 0.2891% | 4,206 |
| Net interest margin | 4.2554% | 556 |
| Noninterest income to average assets | 0.7489% | 1,695 |
| Noninterest expense to average assets | 3.1483% | 1,146 |
| Loan and lease loss provision to assets | 0.2732% | 1,406 |
| Net operating income to assets | 0.6600% | 3,561 |
| Return on assets (ROA) | 0.6942% | 3,586 |
| Pretax return on assets | 0.8483% | 3,507 |
| Return on Equity (ROE) | 8.1249% | 2,765 |
| Retained earnings to average equity (ytd only) | -3.3692% | 4,786 |
| Net charge-offs to loans | 0.0111% | 2,926 |
| Credit loss provision to net charge-offs | 3,708.3333% | 281 |
| Earnings coverage of net charge-offs (x) | 146.5833% | 591 |
| Efficiency ratio | 74.4628% | 1,389 |
| Assets per employee ($millions) | 4.3340% | 4,083 |
| Cash dividends to net income (ytd only)* | 141.4677% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 3,087 |
| Loan loss allowance to noncurrent loans | 82.9225% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 3.3745% | 92 |
| Noncurrent loans to loans | 1.4161% | 952 |
| Net loans and leases to total assets | 68.5941% | 1,752 |
| Net loans and leases to deposits | 78.8178% | 1,993 |
| Net loans and leases to core deposits | 79.8756% | 2,378 |
| Total domestic deposits to total assets | 87.0287% | 1,931 |
| Equity capital to assets | 7.5393% | 4,834 |
| Core capital (leverage) ratio | 10.9654% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,911,800 | 3,263 |
| Average earning assets | $133,194,000 | 3,470 |
| Average equity | $13,920,200 | 3,769 |
| Average total loans | $108,340,400 | 3,115 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,384 |
| Cost of funding earning assets | 0.3108% | 4,263 |
| Net interest margin | 4.2628% | 636 |
| Noninterest income to average assets | 0.8891% | 1,261 |
| Noninterest expense to average assets | 3.2297% | 1,019 |
| Loan and lease loss provision to assets | 0.3069% | 1,307 |
| Net operating income to assets | 0.6775% | 3,529 |
| Return on assets (ROA) | 0.7245% | 3,477 |
| Pretax return on assets | 0.8775% | 3,445 |
| Return on Equity (ROE) | 8.2171% | 2,722 |
| Retained earnings to average equity (ytd only) | 0.6698% | 4,344 |
| Net charge-offs to loans | 0.0139% | 2,619 |
| Credit loss provision to net charge-offs | 3,354.5455% | 322 |
| Earnings coverage of net charge-offs (x) | 123.2727% | 685 |
| Efficiency ratio | 74.1172% | 1,395 |
| Assets per employee ($millions) | 4.1805% | 4,159 |
| Cash dividends to net income (ytd only)* | 91.8485% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 2,986 |
| Loan loss allowance to noncurrent loans | 197.0501% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 3.0559% | 144 |
| Noncurrent loans to loans | 0.5779% | 2,355 |
| Net loans and leases to total assets | 69.3633% | 2,049 |
| Net loans and leases to deposits | 76.8698% | 2,670 |
| Net loans and leases to core deposits | 77.8976% | 3,017 |
| Total domestic deposits to total assets | 90.2349% | 351 |
| Equity capital to assets | 8.4375% | 4,497 |
| Core capital (leverage) ratio | 11.3164% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,300,000 | 3,270 |
| Average earning assets | $130,427,750 | 3,492 |
| Average equity | $14,132,750 | 3,746 |
| Average total loans | $105,343,750 | 3,170 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,722 |
| Cost of funding earning assets | 0.3331% | 4,349 |
| Net interest margin | 4.2387% | 845 |
| Noninterest income to average assets | 1.0000% | 984 |
| Noninterest expense to average assets | 3.2546% | 1,069 |
| Loan and lease loss provision to assets | 0.1405% | 2,605 |
| Net operating income to assets | 0.8355% | 2,917 |
| Return on assets (ROA) | 0.8355% | 3,037 |
| Pretax return on assets | 1.0203% | 2,968 |
| Return on Equity (ROE) | 9.3348% | 2,235 |
| Retained earnings to average equity (ytd only) | -1.9801% | 4,586 |
| Net charge-offs to loans | 0.0335% | 2,064 |
| Credit loss provision to net charge-offs | 652.9412% | 1,048 |
| Earnings coverage of net charge-offs (x) | 53.9412% | 1,049 |
| Efficiency ratio | 73.7099% | 1,494 |
| Assets per employee ($millions) | 4.0804% | 4,227 |
| Cash dividends to net income (ytd only)* | 121.2121% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 3,806 |
| Loan loss allowance to noncurrent loans | 187.7622% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 2.7699% | 189 |
| Noncurrent loans to loans | 0.5053% | 2,634 |
| Net loans and leases to total assets | 62.4582% | 3,078 |
| Net loans and leases to deposits | 68.8114% | 3,502 |
| Net loans and leases to core deposits | 69.6590% | 3,735 |
| Total domestic deposits to total assets | 90.7673% | 206 |
| Equity capital to assets | 7.7873% | 4,810 |
| Core capital (leverage) ratio | 11.5874% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,994,000 | 3,270 |
| Average earning assets | $127,304,000 | 3,508 |
| Average equity | $14,140,667 | 3,747 |
| Average total loans | $101,350,333 | 3,214 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8821% | 1,238 |
| Cost of funding earning assets | 0.3507% | 4,515 |
| Net interest margin | 4.5314% | 472 |
| Noninterest income to average assets | 0.6494% | 1,833 |
| Noninterest expense to average assets | 3.4940% | 948 |
| Loan and lease loss provision to assets | 0.1386% | 2,002 |
| Net operating income to assets | 0.5488% | 3,745 |
| Return on assets (ROA) | 0.5488% | 3,807 |
| Pretax return on assets | 0.6331% | 3,855 |
| Return on Equity (ROE) | 5.6819% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.6819% | 1,997 |
| Net charge-offs to loans | 0.0713% | 1,319 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 16.7059% | 1,516 |
| Efficiency ratio | 81.9108% | 978 |
| Assets per employee ($millions) | 3.3460% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,441 |
| Loan loss allowance to noncurrent loans | 19.3950% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 6.5688% | 39 |
| Noncurrent loans to loans | 5.4225% | 100 |
| Net loans and leases to total assets | 64.7358% | 2,975 |
| Net loans and leases to deposits | 72.9983% | 3,357 |
| Net loans and leases to core deposits | 74.1189% | 3,625 |
| Total domestic deposits to total assets | 88.6813% | 809 |
| Equity capital to assets | 9.7068% | 4,034 |
| Core capital (leverage) ratio | 13.0613% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,223,000 | 3,363 |
| Average earning assets | $117,490,500 | 3,609 |
| Average equity | $14,220,500 | 3,747 |
| Average total loans | $95,421,000 | 3,292 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1322% | 1,145 |
| Cost of funding earning assets | 0.3162% | 4,693 |
| Net interest margin | 4.8160% | 384 |
| Noninterest income to average assets | 0.7596% | 1,588 |
| Noninterest expense to average assets | 3.4003% | 1,117 |
| Loan and lease loss provision to assets | 0.0021% | 3,952 |
| Net operating income to assets | 1.0125% | 2,806 |
| Return on assets (ROA) | 1.0659% | 2,693 |
| Pretax return on assets | 1.3138% | 2,458 |
| Return on Equity (ROE) | 10.7818% | 1,973 |
| Retained earnings to average equity (ytd only) | 2.4454% | 3,803 |
| Net charge-offs to loans | 0.1247% | 1,517 |
| Credit loss provision to net charge-offs | 2.5862% | 3,376 |
| Earnings coverage of net charge-offs (x) | 15.6897% | 2,214 |
| Efficiency ratio | 73.1207% | 1,713 |
| Assets per employee ($millions) | 3.2716% | 4,666 |
| Cash dividends to net income (ytd only)* | 77.3196% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,293 |
| Loan loss allowance to noncurrent loans | 135.5463% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 3.5247% | 129 |
| Noncurrent loans to loans | 0.7649% | 1,984 |
| Net loans and leases to total assets | 63.5382% | 3,253 |
| Net loans and leases to deposits | 71.5446% | 3,547 |
| Net loans and leases to core deposits | 72.6363% | 3,817 |
| Total domestic deposits to total assets | 88.8093% | 746 |
| Equity capital to assets | 9.6115% | 4,263 |
| Core capital (leverage) ratio | 12.7319% | 1,360 |
| Tier 1 risk-based capital ratio | 16.0675% | 2,383 |
| Total risk-based capital ratio | 16.9481% | 2,441 |
| Memoranda: | ||
| Average total assets | $145,604,600 | 3,354 |
| Average earning assets | $117,628,800 | 3,592 |
| Average equity | $14,394,600 | 3,699 |
| Average total loans | $93,010,000 | 3,338 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1340% | 1,194 |
| Cost of funding earning assets | 0.3071% | 4,781 |
| Net interest margin | 4.8269% | 397 |
| Noninterest income to average assets | 0.8631% | 1,233 |
| Noninterest expense to average assets | 3.3700% | 1,139 |
| Loan and lease loss provision to assets | 0.1129% | 1,731 |
| Net operating income to assets | 1.0287% | 2,869 |
| Return on assets (ROA) | 1.1001% | 2,663 |
| Pretax return on assets | 1.3654% | 2,438 |
| Return on Equity (ROE) | 11.0495% | 2,004 |
| Retained earnings to average equity (ytd only) | 5.5155% | 2,620 |
| Net charge-offs to loans | 0.1670% | 1,009 |
| Credit loss provision to net charge-offs | 106.0345% | 2,152 |
| Earnings coverage of net charge-offs (x) | 13.0520% | 2,320 |
| Efficiency ratio | 70.7948% | 2,003 |
| Assets per employee ($millions) | 3.1139% | 4,828 |
| Cash dividends to net income (ytd only)* | 50.0836% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 2,829 |
| Loan loss allowance to noncurrent loans | 147.0588% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 3.6138% | 135 |
| Noncurrent loans to loans | 0.7748% | 2,029 |
| Net loans and leases to total assets | 65.2134% | 3,157 |
| Net loans and leases to deposits | 73.7541% | 3,495 |
| Net loans and leases to core deposits | 74.8854% | 3,771 |
| Total domestic deposits to total assets | 88.4199% | 860 |
| Equity capital to assets | 10.1042% | 3,915 |
| Core capital (leverage) ratio | 13.0191% | 1,333 |
| Tier 1 risk-based capital ratio | 15.7836% | 2,521 |
| Total risk-based capital ratio | 16.7326% | 2,581 |
| Memoranda: | ||
| Average total assets | $145,200,750 | 3,391 |
| Average earning assets | $117,228,250 | 3,631 |
| Average equity | $14,455,750 | 3,725 |
| Average total loans | $92,632,250 | 3,386 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0842% | 1,258 |
| Cost of funding earning assets | 0.2909% | 4,849 |
| Net interest margin | 4.7933% | 410 |
| Noninterest income to average assets | 0.8590% | 1,182 |
| Noninterest expense to average assets | 3.3657% | 1,163 |
| Loan and lease loss provision to assets | 0.1132% | 1,660 |
| Net operating income to assets | 1.0071% | 2,894 |
| Return on assets (ROA) | 1.1145% | 2,541 |
| Pretax return on assets | 1.3811% | 2,254 |
| Return on Equity (ROE) | 11.2513% | 1,889 |
| Retained earnings to average equity (ytd only) | 2.8860% | 3,775 |
| Net charge-offs to loans | 0.2496% | 674 |
| Credit loss provision to net charge-offs | 71.9298% | 2,308 |
| Earnings coverage of net charge-offs (x) | 8.6491% | 2,397 |
| Efficiency ratio | 71.1949% | 2,037 |
| Assets per employee ($millions) | 3.0923% | 4,847 |
| Cash dividends to net income (ytd only)* | 74.3494% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 2,942 |
| Loan loss allowance to noncurrent loans | 141.8449% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 3.6453% | 133 |
| Noncurrent loans to loans | 0.7918% | 2,010 |
| Net loans and leases to total assets | 64.2690% | 3,312 |
| Net loans and leases to deposits | 72.4235% | 3,650 |
| Net loans and leases to core deposits | 73.5330% | 3,916 |
| Total domestic deposits to total assets | 88.7406% | 770 |
| Equity capital to assets | 9.9074% | 4,054 |
| Core capital (leverage) ratio | 12.8720% | 1,369 |
| Tier 1 risk-based capital ratio | 16.2615% | 2,307 |
| Total risk-based capital ratio | 17.2265% | 2,364 |
| Memoranda: | ||
| Average total assets | $144,816,000 | 3,415 |
| Average earning assets | $116,871,670 | 3,663 |
| Average equity | $14,345,000 | 3,741 |
| Average total loans | $91,328,670 | 3,427 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0454% | 1,223 |
| Cost of funding earning assets | 0.2746% | 4,917 |
| Net interest margin | 4.7709% | 432 |
| Noninterest income to average assets | 0.8025% | 1,295 |
| Noninterest expense to average assets | 3.3648% | 1,168 |
| Loan and lease loss provision to assets | 0.1356% | 1,276 |
| Net operating income to assets | 0.9220% | 3,155 |
| Return on assets (ROA) | 1.1345% | 2,378 |
| Pretax return on assets | 1.4140% | 2,035 |
| Return on Equity (ROE) | 11.4541% | 1,759 |
| Retained earnings to average equity (ytd only) | 11.4541% | 712 |
| Net charge-offs to loans | 0.4947% | 305 |
| Credit loss provision to net charge-offs | 44.1441% | 2,008 |
| Earnings coverage of net charge-offs (x) | 4.1802% | 2,345 |
| Efficiency ratio | 72.3810% | 1,977 |
| Assets per employee ($millions) | 3.1225% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 2,962 |
| Loan loss allowance to noncurrent loans | 171.8333% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 3.6697% | 136 |
| Noncurrent loans to loans | 0.6583% | 2,371 |
| Net loans and leases to total assets | 62.7405% | 3,429 |
| Net loans and leases to deposits | 70.8430% | 3,701 |
| Net loans and leases to core deposits | 71.9390% | 3,948 |
| Total domestic deposits to total assets | 88.5628% | 1,054 |
| Equity capital to assets | 10.1590% | 3,671 |
| Core capital (leverage) ratio | 13.0494% | 1,247 |
| Tier 1 risk-based capital ratio | 16.7875% | 2,175 |
| Total risk-based capital ratio | 17.7438% | 2,219 |
| Memoranda: | ||
| Average total assets | $144,556,000 | 3,454 |
| Average earning assets | $116,541,000 | 3,705 |
| Average equity | $14,318,000 | 3,758 |
| Average total loans | $89,759,500 | 3,497 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 1,479 |
| Cost of funding earning assets | 0.2014% | 4,995 |
| Net interest margin | 4.6244% | 572 |
| Noninterest income to average assets | 0.7308% | 1,728 |
| Noninterest expense to average assets | 3.2347% | 1,464 |
| Loan and lease loss provision to assets | 0.2943% | 549 |
| Net operating income to assets | 0.7667% | 3,921 |
| Return on assets (ROA) | 0.7549% | 3,957 |
| Pretax return on assets | 0.8828% | 3,939 |
| Return on Equity (ROE) | 7.5436% | 3,642 |
| Retained earnings to average equity (ytd only) | 2.5970% | 4,101 |
| Net charge-offs to loans | 0.0151% | 3,180 |
| Credit loss provision to net charge-offs | 3,292.3077% | 154 |
| Earnings coverage of net charge-offs (x) | 133.2308% | 608 |
| Efficiency ratio | 73.0931% | 1,748 |
| Assets per employee ($millions) | 3.3063% | 4,731 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,368 |
| Loan loss allowance to noncurrent loans | 125.0572% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 3.7346% | 134 |
| Noncurrent loans to loans | 0.9890% | 1,639 |
| Net loans and leases to total assets | 59.9941% | 3,778 |
| Net loans and leases to deposits | 67.4006% | 4,015 |
| Net loans and leases to core deposits | 68.4214% | 4,212 |
| Total domestic deposits to total assets | 89.0112% | 849 |
| Equity capital to assets | 9.6538% | 4,000 |
| Core capital (leverage) ratio | 12.7450% | 1,347 |
| Tier 1 risk-based capital ratio | 12.6330% | 4,056 |
| Total risk-based capital ratio | 13.4120% | 4,209 |
| Memoranda: | ||
| Average total assets | $145,451,800 | 3,438 |
| Average earning assets | $116,209,600 | 3,715 |
| Average equity | $14,555,400 | 3,691 |
| Average total loans | $86,369,000 | 3,548 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 1,462 |
| Cost of funding earning assets | 0.1865% | 5,069 |
| Net interest margin | 4.6005% | 594 |
| Noninterest income to average assets | 0.7737% | 1,565 |
| Noninterest expense to average assets | 3.1443% | 1,659 |
| Loan and lease loss provision to assets | 0.1540% | 1,274 |
| Net operating income to assets | 0.9448% | 3,323 |
| Return on assets (ROA) | 0.9295% | 3,403 |
| Pretax return on assets | 1.1211% | 3,314 |
| Return on Equity (ROE) | 9.2076% | 2,998 |
| Retained earnings to average equity (ytd only) | 5.9386% | 2,687 |
| Net charge-offs to loans | 0.0217% | 2,702 |
| Credit loss provision to net charge-offs | 1,200.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 100.7654% | 745 |
| Efficiency ratio | 70.8531% | 2,065 |
| Assets per employee ($millions) | 3.1845% | 4,899 |
| Cash dividends to net income (ytd only)* | 35.5030% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 3,983 |
| Loan loss allowance to noncurrent loans | 104.0000% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 3.9155% | 131 |
| Noncurrent loans to loans | 0.9267% | 1,839 |
| Net loans and leases to total assets | 59.6639% | 3,880 |
| Net loans and leases to deposits | 67.5684% | 4,087 |
| Net loans and leases to core deposits | 68.6133% | 4,272 |
| Total domestic deposits to total assets | 88.3015% | 1,119 |
| Equity capital to assets | 10.4493% | 3,190 |
| Core capital (leverage) ratio | 12.8750% | 1,336 |
| Tier 1 risk-based capital ratio | 16.7872% | 2,173 |
| Total risk-based capital ratio | 17.5984% | 2,261 |
| Memoranda: | ||
| Average total assets | $145,445,750 | 3,474 |
| Average earning assets | $115,838,750 | 3,755 |
| Average equity | $14,683,250 | 3,700 |
| Average total loans | $85,868,750 | 3,581 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6807% | 1,548 |
| Cost of funding earning assets | 0.1766% | 5,121 |
| Net interest margin | 4.5041% | 696 |
| Noninterest income to average assets | 0.7718% | 1,562 |
| Noninterest expense to average assets | 3.1267% | 1,724 |
| Loan and lease loss provision to assets | 0.1464% | 1,301 |
| Net operating income to assets | 0.9199% | 3,375 |
| Return on assets (ROA) | 0.9072% | 3,434 |
| Pretax return on assets | 1.0783% | 3,392 |
| Return on Equity (ROE) | 9.0907% | 2,976 |
| Retained earnings to average equity (ytd only) | 4.1546% | 3,534 |
| Net charge-offs to loans | 0.0047% | 3,009 |
| Credit loss provision to net charge-offs | 5,350.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 453.0000% | 198 |
| Efficiency ratio | 71.6076% | 2,067 |
| Assets per employee ($millions) | 3.2845% | 4,834 |
| Cash dividends to net income (ytd only)* | 54.2986% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 4,313 |
| Loan loss allowance to noncurrent loans | 68.3843% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 3.8417% | 149 |
| Noncurrent loans to loans | 1.3240% | 1,286 |
| Net loans and leases to total assets | 59.2970% | 3,875 |
| Net loans and leases to deposits | 66.9061% | 4,106 |
| Net loans and leases to core deposits | 67.8775% | 4,260 |
| Total domestic deposits to total assets | 88.6272% | 1,083 |
| Equity capital to assets | 10.1370% | 3,502 |
| Core capital (leverage) ratio | 12.4826% | 1,450 |
| Tier 1 risk-based capital ratio | 16.4599% | 2,270 |
| Total risk-based capital ratio | 17.2250% | 2,385 |
| Memoranda: | ||
| Average total assets | $146,160,670 | 3,487 |
| Average earning assets | $116,648,330 | 3,765 |
| Average equity | $14,586,330 | 3,735 |
| Average total loans | $85,714,670 | 3,611 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5578% | 1,692 |
| Cost of funding earning assets | 0.1869% | 5,089 |
| Net interest margin | 4.3708% | 815 |
| Noninterest income to average assets | 0.6586% | 2,000 |
| Noninterest expense to average assets | 3.1106% | 1,793 |
| Loan and lease loss provision to assets | 0.1116% | 1,692 |
| Net operating income to assets | 0.8125% | 3,657 |
| Return on assets (ROA) | 0.7865% | 3,763 |
| Pretax return on assets | 0.9062% | 3,828 |
| Return on Equity (ROE) | 7.9426% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.9426% | 1,863 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8037% | 1,777 |
| Assets per employee ($millions) | 3.2297% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8437% | 4,666 |
| Loan loss allowance to noncurrent loans | 56.2158% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 3.8999% | 164 |
| Noncurrent loans to loans | 1.5009% | 1,175 |
| Net loans and leases to total assets | 56.8736% | 4,037 |
| Net loans and leases to deposits | 63.8901% | 4,217 |
| Net loans and leases to core deposits | 64.9375% | 4,373 |
| Total domestic deposits to total assets | 89.0178% | 1,082 |
| Equity capital to assets | 9.8702% | 3,730 |
| Core capital (leverage) ratio | 12.4634% | 1,406 |
| Tier 1 risk-based capital ratio | 16.7931% | 2,181 |
| Total risk-based capital ratio | 17.5163% | 2,320 |
| Memoranda: | ||
| Average total assets | $146,981,000 | 3,510 |
| Average earning assets | $117,689,500 | 3,787 |
| Average equity | $14,554,500 | 3,766 |
| Average total loans | $85,332,500 | 3,643 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 1,845 |
| Cost of funding earning assets | 0.2031% | 4,924 |
| Net interest margin | 4.2568% | 1,064 |
| Noninterest income to average assets | 0.6333% | 2,282 |
| Noninterest expense to average assets | 3.1479% | 1,719 |
| Loan and lease loss provision to assets | 0.0418% | 3,421 |
| Net operating income to assets | 0.1229% | 5,228 |
| Return on assets (ROA) | 0.1234% | 5,234 |
| Pretax return on assets | 0.7477% | 4,393 |
| Return on Equity (ROE) | 1.2137% | 5,204 |
| Retained earnings to average equity (ytd only) | -1.7531% | 5,259 |
| Net charge-offs to loans | 0.0013% | 4,080 |
| Credit loss provision to net charge-offs | 6,100.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 1,151.0000% | 65 |
| Efficiency ratio | 79.9617% | 1,106 |
| Assets per employee ($millions) | 3.1607% | 5,069 |
| Cash dividends to net income (ytd only)* | 244.4444% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 4,848 |
| Loan loss allowance to noncurrent loans | 50.5593% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 4.0015% | 149 |
| Noncurrent loans to loans | 1.5693% | 1,074 |
| Net loans and leases to total assets | 58.3050% | 3,983 |
| Net loans and leases to deposits | 65.5526% | 4,220 |
| Net loans and leases to core deposits | 66.6562% | 4,380 |
| Total domestic deposits to total assets | 88.9438% | 1,030 |
| Equity capital to assets | 9.9351% | 3,774 |
| Core capital (leverage) ratio | 12.2523% | 1,469 |
| Tier 1 risk-based capital ratio | 16.6930% | 2,205 |
| Total risk-based capital ratio | 17.3790% | 2,329 |
| Memoranda: | ||
| Average total assets | $145,906,000 | 3,523 |
| Average earning assets | $113,230,800 | 3,859 |
| Average equity | $14,831,000 | 3,739 |
| Average total loans | $79,951,600 | 3,747 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 1,878 |
| Cost of funding earning assets | 0.2052% | 4,933 |
| Net interest margin | 4.2199% | 1,107 |
| Noninterest income to average assets | 0.7888% | 1,624 |
| Noninterest expense to average assets | 3.0887% | 1,835 |
| Loan and lease loss provision to assets | 0.0539% | 3,019 |
| Net operating income to assets | 0.6567% | 4,167 |
| Return on assets (ROA) | 0.6574% | 4,220 |
| Pretax return on assets | 0.8957% | 4,056 |
| Return on Equity (ROE) | 6.4309% | 3,939 |
| Retained earnings to average equity (ytd only) | 4.2873% | 3,350 |
| Net charge-offs to loans | 0.0017% | 3,712 |
| Credit loss provision to net charge-offs | 5,900.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 1,041.5789% | 96 |
| Efficiency ratio | 76.5038% | 1,519 |
| Assets per employee ($millions) | 3.1956% | 5,070 |
| Cash dividends to net income (ytd only)* | 33.3330% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 4,770 |
| Loan loss allowance to noncurrent loans | 47.2397% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 4.1824% | 156 |
| Noncurrent loans to loans | 1.7927% | 1,002 |
| Net loans and leases to total assets | 53.8429% | 4,427 |
| Net loans and leases to deposits | 60.8251% | 4,590 |
| Net loans and leases to core deposits | 61.8411% | 4,719 |
| Total domestic deposits to total assets | 88.5209% | 1,109 |
| Equity capital to assets | 10.3274% | 3,567 |
| Core capital (leverage) ratio | 12.4148% | 1,451 |
| Tier 1 risk-based capital ratio | 17.7336% | 1,936 |
| Total risk-based capital ratio | 18.4422% | 2,053 |
| Memoranda: | ||
| Average total assets | $146,034,000 | 3,552 |
| Average earning assets | $112,417,750 | 3,917 |
| Average equity | $14,927,500 | 3,758 |
| Average total loans | $78,577,000 | 3,808 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 1,935 |
| Cost of funding earning assets | 0.2085% | 4,899 |
| Net interest margin | 4.1546% | 1,190 |
| Noninterest income to average assets | 0.7988% | 1,575 |
| Noninterest expense to average assets | 3.0677% | 1,918 |
| Loan and lease loss provision to assets | 0.0494% | 2,999 |
| Net operating income to assets | 0.6194% | 4,219 |
| Return on assets (ROA) | 0.6204% | 4,260 |
| Pretax return on assets | 0.8565% | 4,084 |
| Return on Equity (ROE) | 6.0904% | 4,004 |
| Retained earnings to average equity (ytd only) | 2.8566% | 4,011 |
| Net charge-offs to loans | 0.0179% | 2,888 |
| Credit loss provision to net charge-offs | 514.2857% | 648 |
| Earnings coverage of net charge-offs (x) | 94.1429% | 683 |
| Efficiency ratio | 77.2287% | 1,557 |
| Assets per employee ($millions) | 3.1933% | 5,108 |
| Cash dividends to net income (ytd only)* | 53.0973% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8066% | 4,931 |
| Loan loss allowance to noncurrent loans | 113.5088% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 3.6095% | 211 |
| Noncurrent loans to loans | 0.7106% | 2,623 |
| Net loans and leases to total assets | 54.1697% | 4,377 |
| Net loans and leases to deposits | 61.0990% | 4,559 |
| Net loans and leases to core deposits | 62.1202% | 4,708 |
| Total domestic deposits to total assets | 88.6590% | 1,125 |
| Equity capital to assets | 10.1707% | 3,711 |
| Core capital (leverage) ratio | 12.2157% | 1,523 |
| Tier 1 risk-based capital ratio | 17.6338% | 1,961 |
| Total risk-based capital ratio | 18.3195% | 2,092 |
| Memoranda: | ||
| Average total assets | $145,712,670 | 3,575 |
| Average earning assets | $111,297,330 | 3,958 |
| Average equity | $14,843,000 | 3,779 |
| Average total loans | $78,161,330 | 3,834 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 1,929 |
| Cost of funding earning assets | 0.2097% | 4,889 |
| Net interest margin | 4.1008% | 1,216 |
| Noninterest income to average assets | 0.7993% | 1,555 |
| Noninterest expense to average assets | 3.0457% | 2,029 |
| Loan and lease loss provision to assets | 0.0276% | 3,215 |
| Net operating income to assets | 0.6072% | 4,128 |
| Return on assets (ROA) | 0.6091% | 4,172 |
| Pretax return on assets | 0.8544% | 3,920 |
| Return on Equity (ROE) | 5.9752% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.9752% | 2,352 |
| Net charge-offs to loans | -0.0207% | 4,765 |
| Credit loss provision to net charge-offs | -250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5983% | 1,687 |
| Assets per employee ($millions) | 3.3462% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 5,035 |
| Loan loss allowance to noncurrent loans | 84.8322% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 3.7111% | 220 |
| Noncurrent loans to loans | 0.9570% | 2,126 |
| Net loans and leases to total assets | 52.4454% | 4,476 |
| Net loans and leases to deposits | 59.0922% | 4,625 |
| Net loans and leases to core deposits | 59.9492% | 4,783 |
| Total domestic deposits to total assets | 88.7518% | 1,287 |
| Equity capital to assets | 10.1241% | 3,598 |
| Core capital (leverage) ratio | 12.4881% | 1,345 |
| Tier 1 risk-based capital ratio | 17.8764% | 1,917 |
| Total risk-based capital ratio | 18.5564% | 2,040 |
| Memoranda: | ||
| Average total assets | $145,123,000 | 3,614 |
| Average earning assets | $110,611,500 | 4,004 |
| Average equity | $14,794,500 | 3,802 |
| Average total loans | $77,133,000 | 3,878 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 2,053 |
| Cost of funding earning assets | 0.2424% | 4,632 |
| Net interest margin | 4.0864% | 1,412 |
| Noninterest income to average assets | 0.8749% | 1,497 |
| Noninterest expense to average assets | 3.2407% | 1,699 |
| Loan and lease loss provision to assets | 0.0559% | 3,260 |
| Net operating income to assets | 0.6270% | 4,099 |
| Return on assets (ROA) | 0.6270% | 4,212 |
| Pretax return on assets | 0.7099% | 4,458 |
| Return on Equity (ROE) | 5.9945% | 3,985 |
| Retained earnings to average equity (ytd only) | -10.3782% | 5,787 |
| Net charge-offs to loans | 0.0632% | 2,795 |
| Credit loss provision to net charge-offs | 168.7500% | 1,640 |
| Earnings coverage of net charge-offs (x) | 23.1042% | 1,700 |
| Efficiency ratio | 80.8859% | 1,315 |
| Assets per employee ($millions) | 2.9794% | 5,368 |
| Cash dividends to net income (ytd only)* | 273.1278% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8087% | 5,080 |
| Loan loss allowance to noncurrent loans | 118.6180% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 3.6640% | 228 |
| Noncurrent loans to loans | 0.6818% | 2,828 |
| Net loans and leases to total assets | 53.0015% | 4,527 |
| Net loans and leases to deposits | 59.8109% | 4,681 |
| Net loans and leases to core deposits | 60.7096% | 4,832 |
| Total domestic deposits to total assets | 88.6150% | 1,315 |
| Equity capital to assets | 10.2669% | 3,426 |
| Core capital (leverage) ratio | 12.0735% | 1,558 |
| Tier 1 risk-based capital ratio | 17.8551% | 1,891 |
| Total risk-based capital ratio | 18.5307% | 2,025 |
| Memoranda: | ||
| Average total assets | $144,814,800 | 3,593 |
| Average earning assets | $110,978,600 | 3,990 |
| Average equity | $15,147,200 | 3,791 |
| Average total loans | $75,990,000 | 3,901 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 2,140 |
| Cost of funding earning assets | 0.2452% | 4,647 |
| Net interest margin | 4.0629% | 1,493 |
| Noninterest income to average assets | 0.8857% | 1,455 |
| Noninterest expense to average assets | 3.2473% | 1,689 |
| Loan and lease loss provision to assets | 0.0431% | 3,366 |
| Net operating income to assets | 0.6205% | 4,211 |
| Return on assets (ROA) | 0.6205% | 4,331 |
| Pretax return on assets | 0.7132% | 4,576 |
| Return on Equity (ROE) | 5.9051% | 4,115 |
| Retained earnings to average equity (ytd only) | -13.6621% | 5,884 |
| Net charge-offs to loans | 0.0773% | 2,214 |
| Credit loss provision to net charge-offs | 106.8182% | 2,256 |
| Earnings coverage of net charge-offs (x) | 18.7258% | 1,979 |
| Efficiency ratio | 81.1096% | 1,286 |
| Assets per employee ($millions) | 3.0554% | 5,336 |
| Cash dividends to net income (ytd only)* | 331.3610% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 5,265 |
| Loan loss allowance to noncurrent loans | 102.7972% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 3.6165% | 264 |
| Noncurrent loans to loans | 0.7521% | 2,792 |
| Net loans and leases to total assets | 51.4527% | 4,697 |
| Net loans and leases to deposits | 57.9106% | 4,882 |
| Net loans and leases to core deposits | 58.8808% | 5,004 |
| Total domestic deposits to total assets | 88.8484% | 989 |
| Equity capital to assets | 10.2631% | 3,841 |
| Core capital (leverage) ratio | 12.2002% | 1,547 |
| Tier 1 risk-based capital ratio | 18.1439% | 1,876 |
| Total risk-based capital ratio | 18.7824% | 2,029 |
| Memoranda: | ||
| Average total assets | $145,265,250 | 3,603 |
| Average earning assets | $111,478,750 | 4,005 |
| Average equity | $15,263,250 | 3,808 |
| Average total loans | $75,883,250 | 3,932 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2992% | 2,158 |
| Cost of funding earning assets | 0.2484% | 4,675 |
| Net interest margin | 4.0508% | 1,502 |
| Noninterest income to average assets | 0.8798% | 1,438 |
| Noninterest expense to average assets | 3.2873% | 1,618 |
| Loan and lease loss provision to assets | 0.0414% | 3,326 |
| Net operating income to assets | 0.5262% | 4,577 |
| Return on assets (ROA) | 0.5262% | 4,700 |
| Pretax return on assets | 0.6588% | 4,743 |
| Return on Equity (ROE) | 4.9695% | 4,531 |
| Retained earnings to average equity (ytd only) | -24.2473% | 5,991 |
| Net charge-offs to loans | 0.1794% | 1,266 |
| Credit loss provision to net charge-offs | 44.1176% | 2,730 |
| Earnings coverage of net charge-offs (x) | 7.4559% | 2,626 |
| Efficiency ratio | 82.4385% | 1,220 |
| Assets per employee ($millions) | 3.1541% | 5,265 |
| Cash dividends to net income (ytd only)* | 587.9265% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7286% | 5,455 |
| Loan loss allowance to noncurrent loans | 63.2370% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 4.0320% | 221 |
| Noncurrent loans to loans | 1.1522% | 1,992 |
| Net loans and leases to total assets | 51.3667% | 4,732 |
| Net loans and leases to deposits | 57.8225% | 4,912 |
| Net loans and leases to core deposits | 58.8006% | 5,037 |
| Total domestic deposits to total assets | 88.8352% | 995 |
| Equity capital to assets | 10.1840% | 3,995 |
| Core capital (leverage) ratio | 12.0185% | 1,615 |
| Tier 1 risk-based capital ratio | 18.0039% | 1,932 |
| Total risk-based capital ratio | 18.6018% | 2,076 |
| Memoranda: | ||
| Average total assets | $144,800,000 | 3,633 |
| Average earning assets | $111,090,330 | 4,037 |
| Average equity | $15,333,670 | 3,825 |
| Average total loans | $75,828,000 | 3,955 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2946% | 2,157 |
| Cost of funding earning assets | 0.2509% | 4,696 |
| Net interest margin | 4.0437% | 1,496 |
| Noninterest income to average assets | 0.8876% | 1,345 |
| Noninterest expense to average assets | 3.3735% | 1,440 |
| Loan and lease loss provision to assets | 0.0332% | 3,215 |
| Net operating income to assets | 0.4784% | 4,713 |
| Return on assets (ROA) | 0.4784% | 4,810 |
| Pretax return on assets | 0.6000% | 4,821 |
| Return on Equity (ROE) | 4.4323% | 4,725 |
| Retained earnings to average equity (ytd only) | -46.8086% | 6,071 |
| Net charge-offs to loans | 0.2362% | 864 |
| Credit loss provision to net charge-offs | 26.6667% | 2,251 |
| Earnings coverage of net charge-offs (x) | 5.0889% | 2,362 |
| Efficiency ratio | 84.1960% | 1,137 |
| Assets per employee ($millions) | 3.1076% | 5,389 |
| Cash dividends to net income (ytd only)* | 1,156.0694% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 5,553 |
| Loan loss allowance to noncurrent loans | 22.5859% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 3.9203% | 267 |
| Noncurrent loans to loans | 3.2046% | 469 |
| Net loans and leases to total assets | 51.8373% | 4,641 |
| Net loans and leases to deposits | 58.2582% | 4,836 |
| Net loans and leases to core deposits | 59.2494% | 4,985 |
| Total domestic deposits to total assets | 88.9784% | 1,113 |
| Equity capital to assets | 10.1014% | 3,948 |
| Core capital (leverage) ratio | 12.2153% | 1,489 |
| Tier 1 risk-based capital ratio | 18.0073% | 1,989 |
| Total risk-based capital ratio | 18.6128% | 2,135 |
| Memoranda: | ||
| Average total assets | $144,655,000 | 3,657 |
| Average earning assets | $111,581,500 | 4,059 |
| Average equity | $15,612,500 | 3,794 |
| Average total loans | $76,204,500 | 3,958 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2430% | 2,409 |
| Cost of funding earning assets | 0.2737% | 4,549 |
| Net interest margin | 3.9693% | 1,813 |
| Noninterest income to average assets | 0.8691% | 1,533 |
| Noninterest expense to average assets | 3.2960% | 1,729 |
| Loan and lease loss provision to assets | 0.0307% | 3,756 |
| Net operating income to assets | 0.4245% | 4,973 |
| Return on assets (ROA) | 0.4245% | 5,053 |
| Pretax return on assets | 0.5848% | 4,884 |
| Return on Equity (ROE) | 3.6167% | 5,099 |
| Retained earnings to average equity (ytd only) | 1.4788% | 4,880 |
| Net charge-offs to loans | 0.1161% | 2,216 |
| Credit loss provision to net charge-offs | 48.8889% | 3,421 |
| Earnings coverage of net charge-offs (x) | 9.8111% | 2,775 |
| Efficiency ratio | 84.2659% | 1,156 |
| Assets per employee ($millions) | 3.2557% | 5,215 |
| Cash dividends to net income (ytd only)* | 59.1133% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 5,488 |
| Loan loss allowance to noncurrent loans | 21.2882% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 4.1954% | 243 |
| Noncurrent loans to loans | 3.6090% | 369 |
| Net loans and leases to total assets | 52.7459% | 4,629 |
| Net loans and leases to deposits | 60.1623% | 4,765 |
| Net loans and leases to core deposits | 61.2235% | 4,915 |
| Total domestic deposits to total assets | 87.6727% | 1,807 |
| Equity capital to assets | 11.4980% | 2,363 |
| Core capital (leverage) ratio | 13.8167% | 868 |
| Tier 1 risk-based capital ratio | 20.1555% | 1,452 |
| Total risk-based capital ratio | 20.8094% | 1,543 |
| Memoranda: | ||
| Average total assets | $143,475,800 | 3,671 |
| Average earning assets | $109,969,200 | 4,067 |
| Average equity | $16,838,400 | 3,553 |
| Average total loans | $77,510,000 | 3,899 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2733% | 2,320 |
| Cost of funding earning assets | 0.2789% | 4,574 |
| Net interest margin | 3.9944% | 1,721 |
| Noninterest income to average assets | 0.8509% | 1,616 |
| Noninterest expense to average assets | 3.2912% | 1,711 |
| Loan and lease loss provision to assets | 0.0269% | 3,719 |
| Net operating income to assets | 0.4254% | 5,070 |
| Return on assets (ROA) | 0.4254% | 5,154 |
| Pretax return on assets | 0.5926% | 4,989 |
| Return on Equity (ROE) | 3.6069% | 5,182 |
| Retained earnings to average equity (ytd only) | 2.1893% | 4,792 |
| Net charge-offs to loans | 0.0411% | 3,063 |
| Credit loss provision to net charge-offs | 120.8333% | 1,970 |
| Earnings coverage of net charge-offs (x) | 27.7909% | 1,571 |
| Efficiency ratio | 84.1568% | 1,151 |
| Assets per employee ($millions) | 3.1087% | 5,416 |
| Cash dividends to net income (ytd only)* | 39.3007% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 5,452 |
| Loan loss allowance to noncurrent loans | 69.5842% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 2.9154% | 535 |
| Noncurrent loans to loans | 1.1866% | 2,153 |
| Net loans and leases to total assets | 53.4196% | 4,628 |
| Net loans and leases to deposits | 61.1854% | 4,775 |
| Net loans and leases to core deposits | 62.2794% | 4,919 |
| Total domestic deposits to total assets | 87.3077% | 1,890 |
| Equity capital to assets | 11.9629% | 2,135 |
| Core capital (leverage) ratio | 13.8276% | 905 |
| Tier 1 risk-based capital ratio | 20.6958% | 1,400 |
| Total risk-based capital ratio | 21.4200% | 1,476 |
| Memoranda: | ||
| Average total assets | $143,532,000 | 3,696 |
| Average earning assets | $109,951,500 | 4,116 |
| Average equity | $16,930,250 | 3,568 |
| Average total loans | $77,851,500 | 3,926 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 2,241 |
| Cost of funding earning assets | 0.2836% | 4,568 |
| Net interest margin | 3.9961% | 1,644 |
| Noninterest income to average assets | 0.7237% | 2,120 |
| Noninterest expense to average assets | 3.3067% | 1,685 |
| Loan and lease loss provision to assets | 0.0028% | 4,027 |
| Net operating income to assets | 0.3549% | 5,277 |
| Return on assets (ROA) | 0.3549% | 5,389 |
| Pretax return on assets | 0.4732% | 5,294 |
| Return on Equity (ROE) | 3.0229% | 5,394 |
| Retained earnings to average equity (ytd only) | 0.8891% | 5,207 |
| Net charge-offs to loans | 0.0486% | 2,735 |
| Credit loss provision to net charge-offs | 10.5263% | 3,096 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,826 |
| Efficiency ratio | 87.4172% | 946 |
| Assets per employee ($millions) | 2.9264% | 5,687 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 5,579 |
| Loan loss allowance to noncurrent loans | 107.5306% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 2.7128% | 662 |
| Noncurrent loans to loans | 0.7524% | 3,231 |
| Net loans and leases to total assets | 52.4949% | 4,711 |
| Net loans and leases to deposits | 59.9982% | 4,854 |
| Net loans and leases to core deposits | 60.8987% | 5,016 |
| Total domestic deposits to total assets | 87.4940% | 1,906 |
| Equity capital to assets | 11.7529% | 2,203 |
| Core capital (leverage) ratio | 13.3393% | 1,033 |
| Tier 1 risk-based capital ratio | 20.5740% | 1,437 |
| Total risk-based capital ratio | 21.2856% | 1,508 |
| Memoranda: | ||
| Average total assets | $143,709,330 | 3,721 |
| Average earning assets | $110,006,670 | 4,155 |
| Average equity | $16,871,330 | 3,587 |
| Average total loans | $78,126,670 | 3,943 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 1,777 |
| Cost of funding earning assets | 0.2871% | 4,585 |
| Net interest margin | 4.1105% | 1,252 |
| Noninterest income to average assets | 0.8981% | 1,390 |
| Noninterest expense to average assets | 3.2697% | 1,795 |
| Loan and lease loss provision to assets | 0.0028% | 3,677 |
| Net operating income to assets | 0.5394% | 4,512 |
| Return on assets (ROA) | 0.5394% | 4,629 |
| Pretax return on assets | 0.7702% | 4,350 |
| Return on Equity (ROE) | 4.5970% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.5970% | 3,271 |
| Net charge-offs to loans | 0.1211% | 1,540 |
| Credit loss provision to net charge-offs | 4.1667% | 2,466 |
| Earnings coverage of net charge-offs (x) | 11.5833% | 1,854 |
| Efficiency ratio | 80.8803% | 1,772 |
| Assets per employee ($millions) | 2.9502% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7768% | 5,744 |
| Loan loss allowance to noncurrent loans | 93.8272% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 2.8611% | 684 |
| Noncurrent loans to loans | 0.8279% | 3,175 |
| Net loans and leases to total assets | 53.7195% | 4,481 |
| Net loans and leases to deposits | 61.3912% | 4,633 |
| Net loans and leases to core deposits | 62.7519% | 4,799 |
| Total domestic deposits to total assets | 87.5036% | 2,105 |
| Equity capital to assets | 11.7597% | 2,231 |
| Core capital (leverage) ratio | 13.4053% | 1,008 |
| Tier 1 risk-based capital ratio | 19.9992% | 1,618 |
| Total risk-based capital ratio | 20.6812% | 1,711 |
| Memoranda: | ||
| Average total assets | $143,866,500 | 3,744 |
| Average earning assets | $110,060,500 | 4,179 |
| Average equity | $16,880,500 | 3,604 |
| Average total loans | $79,245,500 | 3,922 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 2,670 |
| Cost of funding earning assets | 0.3173% | 4,609 |
| Net interest margin | 3.9657% | 1,995 |
| Noninterest income to average assets | 0.9418% | 1,373 |
| Noninterest expense to average assets | 3.2775% | 1,983 |
| Loan and lease loss provision to assets | 0.1233% | 2,123 |
| Net operating income to assets | 0.4024% | 5,215 |
| Return on assets (ROA) | 0.4024% | 5,278 |
| Pretax return on assets | 0.5464% | 5,109 |
| Return on Equity (ROE) | 3.3328% | 5,359 |
| Retained earnings to average equity (ytd only) | 1.2783% | 5,202 |
| Net charge-offs to loans | 1.0374% | 284 |
| Credit loss provision to net charge-offs | 21.3095% | 3,963 |
| Earnings coverage of net charge-offs (x) | 1.1571% | 4,488 |
| Efficiency ratio | 83.0337% | 1,516 |
| Assets per employee ($millions) | 2.9827% | 5,722 |
| Cash dividends to net income (ytd only)* | 61.6438% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7865% | 5,810 |
| Loan loss allowance to noncurrent loans | 25.1595% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 4.0839% | 406 |
| Noncurrent loans to loans | 3.1262% | 710 |
| Net loans and leases to total assets | 55.5937% | 4,383 |
| Net loans and leases to deposits | 63.6691% | 4,559 |
| Net loans and leases to core deposits | 65.0953% | 4,747 |
| Total domestic deposits to total assets | 87.3166% | 2,118 |
| Equity capital to assets | 11.7070% | 2,248 |
| Core capital (leverage) ratio | 13.2221% | 1,048 |
| Tier 1 risk-based capital ratio | 19.3255% | 1,768 |
| Total risk-based capital ratio | 20.0251% | 1,879 |
| Memoranda: | ||
| Average total assets | $145,140,200 | 3,705 |
| Average earning assets | $109,993,200 | 4,183 |
| Average equity | $17,523,000 | 3,452 |
| Average total loans | $80,972,800 | 3,852 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 2,660 |
| Cost of funding earning assets | 0.3230% | 4,641 |
| Net interest margin | 3.9711% | 1,962 |
| Noninterest income to average assets | 0.9769% | 1,289 |
| Noninterest expense to average assets | 3.2190% | 2,123 |
| Loan and lease loss provision to assets | 0.1584% | 1,573 |
| Net operating income to assets | 0.4385% | 5,115 |
| Return on assets (ROA) | 0.4385% | 5,192 |
| Pretax return on assets | 0.6052% | 5,012 |
| Return on Equity (ROE) | 3.6054% | 5,331 |
| Retained earnings to average equity (ytd only) | 2.2506% | 4,934 |
| Net charge-offs to loans | 0.6686% | 527 |
| Credit loss provision to net charge-offs | 42.5061% | 3,247 |
| Earnings coverage of net charge-offs (x) | 2.0491% | 4,007 |
| Efficiency ratio | 80.8276% | 1,788 |
| Assets per employee ($millions) | 2.7967% | 5,975 |
| Cash dividends to net income (ytd only)* | 37.5777% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 3,545 |
| Loan loss allowance to noncurrent loans | 36.3981% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 4.6345% | 388 |
| Noncurrent loans to loans | 3.6274% | 645 |
| Net loans and leases to total assets | 54.3224% | 4,539 |
| Net loans and leases to deposits | 62.7590% | 4,671 |
| Net loans and leases to core deposits | 64.1533% | 4,867 |
| Total domestic deposits to total assets | 86.5571% | 2,550 |
| Equity capital to assets | 12.3283% | 1,808 |
| Core capital (leverage) ratio | 13.6040% | 965 |
| Tier 1 risk-based capital ratio | 19.4294% | 1,794 |
| Total risk-based capital ratio | 20.5366% | 1,801 |
| Memoranda: | ||
| Average total assets | $145,632,500 | 3,732 |
| Average earning assets | $110,227,750 | 4,214 |
| Average equity | $17,713,500 | 3,449 |
| Average total loans | $81,159,750 | 3,871 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3229% | 2,507 |
| Cost of funding earning assets | 0.3282% | 4,665 |
| Net interest margin | 3.9947% | 1,820 |
| Noninterest income to average assets | 0.9691% | 1,288 |
| Noninterest expense to average assets | 3.1833% | 2,244 |
| Loan and lease loss provision to assets | 0.2375% | 954 |
| Net operating income to assets | 0.4187% | 5,143 |
| Return on assets (ROA) | 0.4187% | 5,226 |
| Pretax return on assets | 0.5724% | 5,047 |
| Return on Equity (ROE) | 3.4577% | 5,361 |
| Retained earnings to average equity (ytd only) | 1.4171% | 5,173 |
| Net charge-offs to loans | 0.8267% | 457 |
| Credit loss provision to net charge-offs | 51.3353% | 2,777 |
| Earnings coverage of net charge-offs (x) | 1.7507% | 3,719 |
| Efficiency ratio | 79.7181% | 2,057 |
| Assets per employee ($millions) | 2.7575% | 6,078 |
| Cash dividends to net income (ytd only)* | 59.0164% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 3,300 |
| Loan loss allowance to noncurrent loans | 38.3543% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 4.6747% | 409 |
| Noncurrent loans to loans | 3.6759% | 699 |
| Net loans and leases to total assets | 53.9731% | 4,544 |
| Net loans and leases to deposits | 62.0970% | 4,683 |
| Net loans and leases to core deposits | 64.2963% | 4,793 |
| Total domestic deposits to total assets | 86.9173% | 2,494 |
| Equity capital to assets | 12.1337% | 1,894 |
| Core capital (leverage) ratio | 13.5122% | 971 |
| Tier 1 risk-based capital ratio | 19.5441% | 1,794 |
| Total risk-based capital ratio | 20.7421% | 1,774 |
| Memoranda: | ||
| Average total assets | $145,700,000 | 3,749 |
| Average earning assets | $110,296,330 | 4,238 |
| Average equity | $17,641,670 | 3,459 |
| Average total loans | $81,527,000 | 3,864 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 2,061 |
| Cost of funding earning assets | 0.3317% | 4,722 |
| Net interest margin | 4.0888% | 1,494 |
| Noninterest income to average assets | 0.9953% | 1,137 |
| Noninterest expense to average assets | 3.3105% | 1,924 |
| Loan and lease loss provision to assets | 0.0027% | 3,787 |
| Net operating income to assets | 0.5664% | 4,371 |
| Return on assets (ROA) | 0.5664% | 4,450 |
| Pretax return on assets | 0.8001% | 4,116 |
| Return on Equity (ROE) | 4.6829% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.6829% | 3,307 |
| Net charge-offs to loans | 0.4083% | 888 |
| Credit loss provision to net charge-offs | 1.1905% | 2,677 |
| Earnings coverage of net charge-offs (x) | 3.4762% | 2,680 |
| Efficiency ratio | 80.4813% | 2,134 |
| Assets per employee ($millions) | 2.7520% | 6,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 3,187 |
| Loan loss allowance to noncurrent loans | 33.6769% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 4.8856% | 430 |
| Noncurrent loans to loans | 4.4218% | 562 |
| Net loans and leases to total assets | 54.8345% | 4,301 |
| Net loans and leases to deposits | 63.0767% | 4,421 |
| Net loans and leases to core deposits | 65.2989% | 4,571 |
| Total domestic deposits to total assets | 86.9331% | 2,856 |
| Equity capital to assets | 12.1695% | 1,765 |
| Core capital (leverage) ratio | 13.4393% | 988 |
| Tier 1 risk-based capital ratio | 19.1491% | 1,921 |
| Total risk-based capital ratio | 20.3771% | 1,892 |
| Memoranda: | ||
| Average total assets | $145,476,500 | 3,775 |
| Average earning assets | $110,936,000 | 4,249 |
| Average equity | $17,596,000 | 3,469 |
| Average total loans | $82,286,500 | 3,879 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2112% | 3,308 |
| Cost of funding earning assets | 0.3943% | 4,713 |
| Net interest margin | 3.8169% | 2,591 |
| Noninterest income to average assets | 1.1327% | 1,094 |
| Noninterest expense to average assets | 3.4402% | 1,789 |
| Loan and lease loss provision to assets | 0.1753% | 2,106 |
| Net operating income to assets | 0.3836% | 5,199 |
| Return on assets (ROA) | 0.3846% | 5,310 |
| Pretax return on assets | 0.5049% | 5,195 |
| Return on Equity (ROE) | 3.4075% | 5,362 |
| Retained earnings to average equity (ytd only) | 2.3238% | 4,597 |
| Net charge-offs to loans | 0.5175% | 1,275 |
| Credit loss provision to net charge-offs | 57.4610% | 3,641 |
| Earnings coverage of net charge-offs (x) | 2.2249% | 4,282 |
| Efficiency ratio | 83.5203% | 1,684 |
| Assets per employee ($millions) | 2.8450% | 6,049 |
| Cash dividends to net income (ytd only)* | 31.8021% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 2,965 |
| Loan loss allowance to noncurrent loans | 29.9814% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 5.2248% | 438 |
| Noncurrent loans to loans | 5.1641% | 472 |
| Net loans and leases to total assets | 56.5784% | 4,243 |
| Net loans and leases to deposits | 64.9187% | 4,422 |
| Net loans and leases to core deposits | 67.2095% | 4,591 |
| Total domestic deposits to total assets | 87.1526% | 2,644 |
| Equity capital to assets | 12.0210% | 1,787 |
| Core capital (leverage) ratio | 13.0815% | 1,111 |
| Tier 1 risk-based capital ratio | 18.5589% | 2,060 |
| Total risk-based capital ratio | 19.8441% | 2,019 |
| Memoranda: | ||
| Average total assets | $147,171,600 | 3,751 |
| Average earning assets | $115,146,000 | 4,157 |
| Average equity | $16,610,400 | 3,611 |
| Average total loans | $86,760,600 | 3,764 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 3,404 |
| Cost of funding earning assets | 0.4079% | 4,757 |
| Net interest margin | 3.7863% | 2,693 |
| Noninterest income to average assets | 1.1772% | 1,059 |
| Noninterest expense to average assets | 3.3962% | 1,834 |
| Loan and lease loss provision to assets | 0.1553% | 2,320 |
| Net operating income to assets | 0.4415% | 5,067 |
| Return on assets (ROA) | 0.4415% | 5,206 |
| Pretax return on assets | 0.6003% | 5,006 |
| Return on Equity (ROE) | 3.9749% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.9749% | 3,867 |
| Net charge-offs to loans | 0.2876% | 2,095 |
| Credit loss provision to net charge-offs | 91.0053% | 2,614 |
| Earnings coverage of net charge-offs (x) | 4.4286% | 3,444 |
| Efficiency ratio | 81.8004% | 1,848 |
| Assets per employee ($millions) | 2.8698% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7335% | 2,508 |
| Loan loss allowance to noncurrent loans | 32.2332% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 5.3779% | 495 |
| Noncurrent loans to loans | 5.3779% | 521 |
| Net loans and leases to total assets | 56.7427% | 4,213 |
| Net loans and leases to deposits | 64.6822% | 4,443 |
| Net loans and leases to core deposits | 66.9256% | 4,632 |
| Total domestic deposits to total assets | 87.7254% | 2,284 |
| Equity capital to assets | 11.4130% | 2,365 |
| Core capital (leverage) ratio | 12.6285% | 1,358 |
| Tier 1 risk-based capital ratio | 18.4726% | 2,154 |
| Total risk-based capital ratio | 19.7142% | 2,124 |
| Memoranda: | ||
| Average total assets | $147,690,500 | 3,784 |
| Average earning assets | $116,029,250 | 4,177 |
| Average equity | $16,402,500 | 3,686 |
| Average total loans | $87,604,750 | 3,770 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 4,085 |
| Cost of funding earning assets | 0.4168% | 4,786 |
| Net interest margin | 3.5889% | 3,408 |
| Noninterest income to average assets | 1.1949% | 1,066 |
| Noninterest expense to average assets | 3.2957% | 2,081 |
| Loan and lease loss provision to assets | 0.2309% | 1,621 |
| Net operating income to assets | 0.3780% | 5,298 |
| Return on assets (ROA) | 0.3780% | 5,466 |
| Pretax return on assets | 0.5049% | 5,356 |
| Return on Equity (ROE) | 3.4352% | 5,456 |
| Retained earnings to average equity (ytd only) | 3.4352% | 4,134 |
| Net charge-offs to loans | 0.3859% | 1,675 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 3.1871% | 3,458 |
| Efficiency ratio | 81.7482% | 1,919 |
| Assets per employee ($millions) | 2.9532% | 5,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6794% | 2,859 |
| Loan loss allowance to noncurrent loans | 22.9719% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 6.6112% | 368 |
| Noncurrent loans to loans | 7.3105% | 311 |
| Net loans and leases to total assets | 58.7215% | 3,868 |
| Net loans and leases to deposits | 66.7927% | 4,174 |
| Net loans and leases to core deposits | 69.0804% | 4,381 |
| Total domestic deposits to total assets | 87.9160% | 2,304 |
| Equity capital to assets | 11.1697% | 2,586 |
| Core capital (leverage) ratio | 12.2410% | 1,483 |
| Tier 1 risk-based capital ratio | 16.5654% | 2,906 |
| Total risk-based capital ratio | 17.8426% | 2,853 |
| Memoranda: | ||
| Average total assets | $148,134,330 | 3,803 |
| Average earning assets | $117,084,670 | 4,175 |
| Average equity | $16,302,000 | 3,719 |
| Average total loans | $88,635,330 | 3,755 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9650% | 4,250 |
| Cost of funding earning assets | 0.4375% | 4,730 |
| Net interest margin | 3.5274% | 3,587 |
| Noninterest income to average assets | 0.9678% | 1,560 |
| Noninterest expense to average assets | 3.3807% | 1,873 |
| Loan and lease loss provision to assets | 0.4583% | 614 |
| Net operating income to assets | -0.0108% | 6,361 |
| Return on assets (ROA) | -0.0108% | 6,428 |
| Pretax return on assets | -0.0674% | 6,455 |
| Return on Equity (ROE) | -0.0987% | 6,430 |
| Retained earnings to average equity (ytd only) | -0.0987% | 5,793 |
| Net charge-offs to loans | 0.1350% | 2,599 |
| Credit loss provision to net charge-offs | 566.6667% | 474 |
| Earnings coverage of net charge-offs (x) | 4.8333% | 2,468 |
| Efficiency ratio | 89.6355% | 1,175 |
| Assets per employee ($millions) | 2.8197% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 2,543 |
| Loan loss allowance to noncurrent loans | 24.5274% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 5.8718% | 550 |
| Noncurrent loans to loans | 7.4300% | 375 |
| Net loans and leases to total assets | 58.4718% | 3,712 |
| Net loans and leases to deposits | 66.2125% | 4,022 |
| Net loans and leases to core deposits | 68.4442% | 4,248 |
| Total domestic deposits to total assets | 88.3093% | 2,123 |
| Equity capital to assets | 10.8449% | 3,153 |
| Core capital (leverage) ratio | 12.0740% | 1,529 |
| Tier 1 risk-based capital ratio | 16.5099% | 2,996 |
| Total risk-based capital ratio | 17.7267% | 2,971 |
| Memoranda: | ||
| Average total assets | $148,372,500 | 3,841 |
| Average earning assets | $117,932,500 | 4,200 |
| Average equity | $16,206,500 | 3,785 |
| Average total loans | $88,859,000 | 3,773 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6628% | 2,745 |
| Cost of funding earning assets | 0.5588% | 4,737 |
| Net interest margin | 4.1040% | 1,985 |
| Noninterest income to average assets | 1.0347% | 1,448 |
| Noninterest expense to average assets | 3.4319% | 1,984 |
| Loan and lease loss provision to assets | 0.0160% | 5,704 |
| Net operating income to assets | 0.5451% | 4,501 |
| Return on assets (ROA) | 0.5441% | 4,755 |
| Pretax return on assets | 0.7595% | 4,449 |
| Return on Equity (ROE) | 4.6594% | 4,855 |
| Retained earnings to average equity (ytd only) | 0.3630% | 5,670 |
| Net charge-offs to loans | 1.0570% | 1,014 |
| Credit loss provision to net charge-offs | 2.3859% | 5,467 |
| Earnings coverage of net charge-offs (x) | 1.1598% | 4,882 |
| Efficiency ratio | 81.5420% | 1,936 |
| Assets per employee ($millions) | 2.8883% | 6,180 |
| Cash dividends to net income (ytd only)* | 92.2095% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 3,038 |
| Loan loss allowance to noncurrent loans | 31.4717% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 4.7915% | 833 |
| Noncurrent loans to loans | 5.3081% | 715 |
| Net loans and leases to total assets | 59.2198% | 3,747 |
| Net loans and leases to deposits | 67.1868% | 4,105 |
| Net loans and leases to core deposits | 69.4865% | 4,378 |
| Total domestic deposits to total assets | 88.1420% | 2,134 |
| Equity capital to assets | 11.0019% | 2,953 |
| Core capital (leverage) ratio | 12.3572% | 1,378 |
| Tier 1 risk-based capital ratio | 15.9905% | 3,172 |
| Total risk-based capital ratio | 17.2639% | 3,109 |
| Memoranda: | ||
| Average total assets | $143,913,200 | 3,882 |
| Average earning assets | $111,305,400 | 4,309 |
| Average equity | $16,804,600 | 3,655 |
| Average total loans | $91,203,400 | 3,717 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7495% | 2,580 |
| Cost of funding earning assets | 0.5820% | 4,826 |
| Net interest margin | 4.1675% | 1,839 |
| Noninterest income to average assets | 1.0801% | 1,290 |
| Noninterest expense to average assets | 3.4696% | 1,830 |
| Loan and lease loss provision to assets | 0.0214% | 5,529 |
| Net operating income to assets | 0.5745% | 4,496 |
| Return on assets (ROA) | 0.5731% | 4,780 |
| Pretax return on assets | 0.7903% | 4,527 |
| Return on Equity (ROE) | 4.8364% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.4052% | 4,469 |
| Net charge-offs to loans | -0.1321% | 6,921 |
| Credit loss provision to net charge-offs | -25.2747% | 6,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0052% | 1,937 |
| Assets per employee ($millions) | 2.8037% | 6,351 |
| Cash dividends to net income (ytd only)* | 29.5934% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7664% | 914 |
| Loan loss allowance to noncurrent loans | 43.8451% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 5.9152% | 684 |
| Noncurrent loans to loans | 6.3094% | 621 |
| Net loans and leases to total assets | 62.3388% | 3,328 |
| Net loans and leases to deposits | 71.4771% | 3,677 |
| Net loans and leases to core deposits | 74.0015% | 3,973 |
| Total domestic deposits to total assets | 87.2150% | 2,548 |
| Equity capital to assets | 11.8793% | 2,369 |
| Core capital (leverage) ratio | 13.1400% | 1,136 |
| Tier 1 risk-based capital ratio | 16.6304% | 2,928 |
| Total risk-based capital ratio | 17.9161% | 2,876 |
| Memoranda: | ||
| Average total assets | $143,066,000 | 3,939 |
| Average earning assets | $109,960,500 | 4,387 |
| Average equity | $16,954,250 | 3,667 |
| Average total loans | $91,825,750 | 3,739 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 2,704 |
| Cost of funding earning assets | 0.6011% | 4,893 |
| Net interest margin | 4.1530% | 1,890 |
| Noninterest income to average assets | 1.0734% | 1,244 |
| Noninterest expense to average assets | 3.4565% | 1,889 |
| Loan and lease loss provision to assets | 0.0252% | 5,351 |
| Net operating income to assets | 0.5723% | 4,485 |
| Return on assets (ROA) | 0.5703% | 4,773 |
| Pretax return on assets | 0.7855% | 4,524 |
| Return on Equity (ROE) | 4.8160% | 4,894 |
| Retained earnings to average equity (ytd only) | 2.6677% | 4,847 |
| Net charge-offs to loans | -0.2003% | 6,995 |
| Credit loss provision to net charge-offs | -19.5652% | 5,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9493% | 2,037 |
| Assets per employee ($millions) | 2.7081% | 6,523 |
| Cash dividends to net income (ytd only)* | 44.6078% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7948% | 953 |
| Loan loss allowance to noncurrent loans | 44.4055% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 6.0734% | 699 |
| Noncurrent loans to loans | 6.2937% | 681 |
| Net loans and leases to total assets | 61.3581% | 3,559 |
| Net loans and leases to deposits | 70.1805% | 3,862 |
| Net loans and leases to core deposits | 72.6383% | 4,221 |
| Total domestic deposits to total assets | 87.4289% | 2,518 |
| Equity capital to assets | 11.6890% | 2,422 |
| Core capital (leverage) ratio | 12.9347% | 1,171 |
| Tier 1 risk-based capital ratio | 12.8703% | 5,274 |
| Total risk-based capital ratio | 13.7840% | 5,524 |
| Memoranda: | ||
| Average total assets | $143,092,000 | 3,951 |
| Average earning assets | $110,137,000 | 4,410 |
| Average equity | $16,943,670 | 3,651 |
| Average total loans | $91,876,670 | 3,758 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 2,687 |
| Cost of funding earning assets | 0.6173% | 4,986 |
| Net interest margin | 4.1687% | 1,854 |
| Noninterest income to average assets | 1.0779% | 1,240 |
| Noninterest expense to average assets | 3.4520% | 1,869 |
| Loan and lease loss provision to assets | 0.0476% | 4,807 |
| Net operating income to assets | 0.5627% | 4,531 |
| Return on assets (ROA) | 0.5627% | 4,751 |
| Pretax return on assets | 0.7923% | 4,440 |
| Return on Equity (ROE) | 4.7219% | 4,927 |
| Retained earnings to average equity (ytd only) | 4.7219% | 3,734 |
| Net charge-offs to loans | 0.0432% | 4,084 |
| Credit loss provision to net charge-offs | 170.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 918 |
| Efficiency ratio | 80.4305% | 2,149 |
| Assets per employee ($millions) | 2.7126% | 6,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6388% | 1,187 |
| Loan loss allowance to noncurrent loans | 40.1820% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 6.1911% | 741 |
| Noncurrent loans to loans | 6.5671% | 724 |
| Net loans and leases to total assets | 62.3364% | 3,186 |
| Net loans and leases to deposits | 71.2715% | 3,541 |
| Net loans and leases to core deposits | 74.5829% | 3,819 |
| Total domestic deposits to total assets | 87.4633% | 2,679 |
| Equity capital to assets | 11.6172% | 2,337 |
| Core capital (leverage) ratio | 13.9044% | 826 |
| Tier 1 risk-based capital ratio | 13.3786% | 4,914 |
| Total risk-based capital ratio | 14.6526% | 4,887 |
| Memoranda: | ||
| Average total assets | $142,874,000 | 3,991 |
| Average earning assets | $110,154,000 | 4,435 |
| Average equity | $17,027,000 | 3,644 |
| Average total loans | $92,516,000 | 3,769 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0657% | 2,581 |
| Cost of funding earning assets | 0.7909% | 4,932 |
| Net interest margin | 4.2748% | 1,786 |
| Noninterest income to average assets | 0.8461% | 1,861 |
| Noninterest expense to average assets | 3.5283% | 1,919 |
| Loan and lease loss provision to assets | 0.5563% | 1,876 |
| Net operating income to assets | 0.0978% | 5,869 |
| Return on assets (ROA) | 0.0950% | 5,991 |
| Pretax return on assets | 0.0524% | 6,045 |
| Return on Equity (ROE) | 0.7591% | 6,011 |
| Retained earnings to average equity (ytd only) | -2.2999% | 6,188 |
| Net charge-offs to loans | 0.2338% | 4,318 |
| Credit loss provision to net charge-offs | 356.8182% | 648 |
| Earnings coverage of net charge-offs (x) | 3.9227% | 3,334 |
| Efficiency ratio | 85.2277% | 1,653 |
| Assets per employee ($millions) | 2.6788% | 6,637 |
| Cash dividends to net income (ytd only)* | 402.9851% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6048% | 1,188 |
| Loan loss allowance to noncurrent loans | 40.1259% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 6.4059% | 741 |
| Noncurrent loans to loans | 6.4916% | 722 |
| Net loans and leases to total assets | 63.7845% | 3,239 |
| Net loans and leases to deposits | 73.3778% | 3,602 |
| Net loans and leases to core deposits | 77.1347% | 3,808 |
| Total domestic deposits to total assets | 86.9261% | 2,807 |
| Equity capital to assets | 12.2216% | 1,958 |
| Core capital (leverage) ratio | 13.5051% | 960 |
| Tier 1 risk-based capital ratio | 13.8410% | 4,451 |
| Total risk-based capital ratio | 15.1124% | 4,385 |
| Memoranda: | ||
| Average total assets | $141,115,800 | 3,958 |
| Average earning assets | $108,731,400 | 4,428 |
| Average equity | $17,653,000 | 3,480 |
| Average total loans | $94,077,600 | 3,763 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1115% | 2,550 |
| Cost of funding earning assets | 0.8290% | 4,956 |
| Net interest margin | 4.2825% | 1,784 |
| Noninterest income to average assets | 0.9699% | 1,419 |
| Noninterest expense to average assets | 3.5182% | 1,896 |
| Loan and lease loss provision to assets | 0.1722% | 4,315 |
| Net operating income to assets | 0.4459% | 4,801 |
| Return on assets (ROA) | 0.4466% | 4,987 |
| Pretax return on assets | 0.5848% | 4,861 |
| Return on Equity (ROE) | 3.5498% | 5,201 |
| Retained earnings to average equity (ytd only) | -0.5114% | 6,071 |
| Net charge-offs to loans | 0.3137% | 3,530 |
| Credit loss provision to net charge-offs | 81.9820% | 4,073 |
| Earnings coverage of net charge-offs (x) | 3.5991% | 3,379 |
| Efficiency ratio | 82.3113% | 1,930 |
| Assets per employee ($millions) | 2.7345% | 6,603 |
| Cash dividends to net income (ytd only)* | 114.4060% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9732% | 2,407 |
| Loan loss allowance to noncurrent loans | 30.1427% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 6.5812% | 777 |
| Noncurrent loans to loans | 6.5463% | 802 |
| Net loans and leases to total assets | 64.7268% | 3,164 |
| Net loans and leases to deposits | 74.8754% | 3,529 |
| Net loans and leases to core deposits | 77.6916% | 3,952 |
| Total domestic deposits to total assets | 86.4460% | 2,960 |
| Equity capital to assets | 12.6813% | 1,799 |
| Core capital (leverage) ratio | 14.0293% | 896 |
| Tier 1 risk-based capital ratio | 14.5457% | 3,941 |
| Total risk-based capital ratio | 15.8110% | 3,909 |
| Memoranda: | ||
| Average total assets | $140,900,250 | 3,978 |
| Average earning assets | $108,719,500 | 4,463 |
| Average equity | $17,728,250 | 3,467 |
| Average total loans | $94,351,500 | 3,792 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1000% | 2,684 |
| Cost of funding earning assets | 0.8695% | 4,908 |
| Net interest margin | 4.2305% | 1,917 |
| Noninterest income to average assets | 0.9973% | 1,326 |
| Noninterest expense to average assets | 3.4616% | 2,089 |
| Loan and lease loss provision to assets | 0.0934% | 5,159 |
| Net operating income to assets | 0.5418% | 4,329 |
| Return on assets (ROA) | 0.5418% | 4,467 |
| Pretax return on assets | 0.7186% | 4,320 |
| Return on Equity (ROE) | 4.3173% | 4,783 |
| Retained earnings to average equity (ytd only) | -1.7697% | 6,213 |
| Net charge-offs to loans | 0.0021% | 5,855 |
| Credit loss provision to net charge-offs | 6,600.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 574.0000% | 55 |
| Efficiency ratio | 80.9997% | 2,242 |
| Assets per employee ($millions) | 2.5786% | 6,824 |
| Cash dividends to net income (ytd only)* | 140.9922% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0447% | 2,246 |
| Loan loss allowance to noncurrent loans | 51.8758% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 4.6178% | 1,356 |
| Noncurrent loans to loans | 3.9415% | 1,757 |
| Net loans and leases to total assets | 66.1266% | 3,006 |
| Net loans and leases to deposits | 76.4418% | 3,389 |
| Net loans and leases to core deposits | 79.5037% | 3,857 |
| Total domestic deposits to total assets | 86.5058% | 3,039 |
| Equity capital to assets | 12.6403% | 1,714 |
| Core capital (leverage) ratio | 13.5644% | 978 |
| Tier 1 risk-based capital ratio | 14.9106% | 3,538 |
| Total risk-based capital ratio | 16.1819% | 3,501 |
| Memoranda: | ||
| Average total assets | $141,381,330 | 4,005 |
| Average earning assets | $109,489,330 | 4,467 |
| Average equity | $17,742,670 | 3,457 |
| Average total loans | $95,107,670 | 3,815 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0881% | 2,696 |
| Cost of funding earning assets | 0.8998% | 4,925 |
| Net interest margin | 4.1883% | 1,928 |
| Noninterest income to average assets | 0.9154% | 1,602 |
| Noninterest expense to average assets | 3.3949% | 2,294 |
| Loan and lease loss provision to assets | 0.1095% | 4,647 |
| Net operating income to assets | 0.4774% | 4,587 |
| Return on assets (ROA) | 0.4774% | 4,666 |
| Pretax return on assets | 0.6655% | 4,436 |
| Return on Equity (ROE) | 3.8173% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.8173% | 3,882 |
| Net charge-offs to loans | 0.0042% | 5,070 |
| Credit loss provision to net charge-offs | 3,900.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 276.0000% | 108 |
| Efficiency ratio | 81.4141% | 2,318 |
| Assets per employee ($millions) | 2.6737% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9954% | 2,439 |
| Loan loss allowance to noncurrent loans | 219.4670% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 2.4990% | 2,733 |
| Noncurrent loans to loans | 0.9092% | 5,226 |
| Net loans and leases to total assets | 64.4286% | 3,367 |
| Net loans and leases to deposits | 74.2276% | 3,726 |
| Net loans and leases to core deposits | 78.9332% | 3,903 |
| Total domestic deposits to total assets | 86.7987% | 3,059 |
| Equity capital to assets | 12.4158% | 1,673 |
| Core capital (leverage) ratio | 13.9995% | 849 |
| Tier 1 risk-based capital ratio | 15.4325% | 3,189 |
| Total risk-based capital ratio | 16.7048% | 3,131 |
| Memoranda: | ||
| Average total assets | $142,449,500 | 4,022 |
| Average earning assets | $110,690,000 | 4,450 |
| Average equity | $17,813,500 | 3,426 |
| Average total loans | $95,661,500 | 3,843 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3636% | 2,841 |
| Cost of funding earning assets | 1.0863% | 5,211 |
| Net interest margin | 4.2774% | 1,896 |
| Noninterest income to average assets | 1.0298% | 1,416 |
| Noninterest expense to average assets | 3.4200% | 2,380 |
| Loan and lease loss provision to assets | 0.2893% | 4,486 |
| Net operating income to assets | 0.4648% | 4,248 |
| Return on assets (ROA) | 0.4648% | 4,415 |
| Pretax return on assets | 0.6425% | 4,192 |
| Return on Equity (ROE) | 3.6887% | 4,657 |
| Retained earnings to average equity (ytd only) | 0.8686% | 5,115 |
| Net charge-offs to loans | 0.0247% | 6,565 |
| Credit loss provision to net charge-offs | 1,695.8333% | 138 |
| Earnings coverage of net charge-offs (x) | 54.6250% | 428 |
| Efficiency ratio | 78.5889% | 2,600 |
| Assets per employee ($millions) | 2.6022% | 6,854 |
| Cash dividends to net income (ytd only)* | 76.4526% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9262% | 2,480 |
| Loan loss allowance to noncurrent loans | 168.9718% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 2.3470% | 2,923 |
| Noncurrent loans to loans | 1.1400% | 4,832 |
| Net loans and leases to total assets | 67.2863% | 3,148 |
| Net loans and leases to deposits | 77.6572% | 3,567 |
| Net loans and leases to core deposits | 82.3018% | 3,865 |
| Total domestic deposits to total assets | 86.6452% | 3,007 |
| Equity capital to assets | 12.5969% | 1,579 |
| Core capital (leverage) ratio | 13.6227% | 949 |
| Tier 1 risk-based capital ratio | 15.8697% | 2,810 |
| Total risk-based capital ratio | 17.1438% | 2,759 |
| Memoranda: | ||
| Average total assets | $140,701,200 | 4,042 |
| Average earning assets | $109,273,000 | 4,484 |
| Average equity | $17,730,000 | 3,467 |
| Average total loans | $97,292,200 | 3,869 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 3,629 |
| Cost of funding earning assets | 1.1157% | 5,344 |
| Net interest margin | 4.1249% | 2,516 |
| Noninterest income to average assets | 0.9985% | 1,467 |
| Noninterest expense to average assets | 3.3828% | 2,348 |
| Loan and lease loss provision to assets | 0.2179% | 4,890 |
| Net operating income to assets | 0.4471% | 4,552 |
| Return on assets (ROA) | 0.4471% | 4,743 |
| Pretax return on assets | 0.6025% | 4,586 |
| Return on Equity (ROE) | 3.5480% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.5480% | 3,955 |
| Net charge-offs to loans | 0.0123% | 6,495 |
| Credit loss provision to net charge-offs | 2,555.5556% | 119 |
| Earnings coverage of net charge-offs (x) | 96.2200% | 322 |
| Efficiency ratio | 80.4823% | 2,280 |
| Assets per employee ($millions) | 2.6727% | 6,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7644% | 2,918 |
| Loan loss allowance to noncurrent loans | 35.6542% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 5.0413% | 1,274 |
| Noncurrent loans to loans | 4.9485% | 1,411 |
| Net loans and leases to total assets | 66.6243% | 3,543 |
| Net loans and leases to deposits | 77.0306% | 4,005 |
| Net loans and leases to core deposits | 82.1909% | 4,223 |
| Total domestic deposits to total assets | 86.4907% | 2,806 |
| Equity capital to assets | 12.6995% | 1,755 |
| Core capital (leverage) ratio | 13.9341% | 932 |
| Tier 1 risk-based capital ratio | 16.4252% | 2,589 |
| Total risk-based capital ratio | 17.6939% | 2,534 |
| Memoranda: | ||
| Average total assets | $140,746,750 | 4,095 |
| Average earning assets | $109,348,750 | 4,545 |
| Average equity | $17,737,250 | 3,519 |
| Average total loans | $97,513,500 | 3,929 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 3,722 |
| Cost of funding earning assets | 1.1432% | 5,448 |
| Net interest margin | 4.1048% | 2,536 |
| Noninterest income to average assets | 0.9570% | 1,493 |
| Noninterest expense to average assets | 3.3835% | 2,307 |
| Loan and lease loss provision to assets | 0.2193% | 4,697 |
| Net operating income to assets | 0.4115% | 4,702 |
| Return on assets (ROA) | 0.4115% | 4,857 |
| Pretax return on assets | 0.5397% | 4,781 |
| Return on Equity (ROE) | 3.2742% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.2742% | 4,017 |
| Net charge-offs to loans | -0.0061% | 7,132 |
| Credit loss provision to net charge-offs | -5,133.3333% | 7,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6776% | 2,213 |
| Assets per employee ($millions) | 2.6164% | 6,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 3,198 |
| Loan loss allowance to noncurrent loans | 33.9367% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 4.1745% | 1,618 |
| Noncurrent loans to loans | 4.9135% | 1,415 |
| Net loans and leases to total assets | 68.0749% | 3,341 |
| Net loans and leases to deposits | 78.6229% | 3,862 |
| Net loans and leases to core deposits | 84.2193% | 4,112 |
| Total domestic deposits to total assets | 86.5840% | 2,771 |
| Equity capital to assets | 12.6289% | 1,724 |
| Core capital (leverage) ratio | 13.7091% | 996 |
| Tier 1 risk-based capital ratio | 17.1442% | 2,221 |
| Total risk-based capital ratio | 18.4139% | 2,175 |
| Memoranda: | ||
| Average total assets | $140,445,330 | 4,129 |
| Average earning assets | $108,995,330 | 4,583 |
| Average equity | $17,653,330 | 3,523 |
| Average total loans | $97,995,000 | 3,964 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2651% | 3,707 |
| Cost of funding earning assets | 1.1622% | 5,592 |
| Net interest margin | 4.1029% | 2,422 |
| Noninterest income to average assets | 0.8741% | 1,725 |
| Noninterest expense to average assets | 3.4165% | 2,188 |
| Loan and lease loss provision to assets | 0.2171% | 4,331 |
| Net operating income to assets | 0.3085% | 5,265 |
| Return on assets (ROA) | 0.3085% | 5,396 |
| Pretax return on assets | 0.3971% | 5,298 |
| Return on Equity (ROE) | 2.4603% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.4603% | 4,658 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7626% | 1,940 |
| Assets per employee ($millions) | 2.7229% | 6,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 3,517 |
| Loan loss allowance to noncurrent loans | 34.9335% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 3.9614% | 1,741 |
| Noncurrent loans to loans | 4.5381% | 1,643 |
| Net loans and leases to total assets | 67.9589% | 3,399 |
| Net loans and leases to deposits | 78.3186% | 3,976 |
| Net loans and leases to core deposits | 84.6475% | 4,113 |
| Total domestic deposits to total assets | 86.7724% | 2,753 |
| Equity capital to assets | 12.4437% | 1,785 |
| Core capital (leverage) ratio | 13.8613% | 990 |
| Tier 1 risk-based capital ratio | 17.5074% | 2,076 |
| Total risk-based capital ratio | 18.7770% | 2,042 |
| Memoranda: | ||
| Average total assets | $140,024,500 | 4,193 |
| Average earning assets | $107,728,500 | 4,665 |
| Average equity | $17,558,500 | 3,559 |
| Average total loans | $98,086,500 | 4,014 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3188% | 5,087 |
| Cost of funding earning assets | 1.2824% | 6,369 |
| Net interest margin | 4.0364% | 2,712 |
| Noninterest income to average assets | 0.8137% | 2,339 |
| Noninterest expense to average assets | 3.5608% | 2,243 |
| Loan and lease loss provision to assets | 0.2237% | 5,575 |
| Net operating income to assets | 0.2724% | 4,636 |
| Return on assets (ROA) | 0.2601% | 4,772 |
| Pretax return on assets | 0.2987% | 4,763 |
| Return on Equity (ROE) | 1.9754% | 4,916 |
| Retained earnings to average equity (ytd only) | -0.0564% | 4,948 |
| Net charge-offs to loans | 0.1146% | 6,020 |
| Credit loss provision to net charge-offs | 271.1712% | 1,275 |
| Earnings coverage of net charge-offs (x) | 6.5045% | 2,351 |
| Efficiency ratio | 86.9061% | 2,006 |
| Assets per employee ($millions) | 2.5641% | 7,100 |
| Cash dividends to net income (ytd only)* | 102.8571% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 3,742 |
| Loan loss allowance to noncurrent loans | 28.7891% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 4.7805% | 1,317 |
| Noncurrent loans to loans | 5.2033% | 1,273 |
| Net loans and leases to total assets | 70.0034% | 3,257 |
| Net loans and leases to deposits | 80.8121% | 3,836 |
| Net loans and leases to core deposits | 91.8042% | 4,911 |
| Total domestic deposits to total assets | 86.6249% | 2,693 |
| Equity capital to assets | 12.6377% | 1,677 |
| Core capital (leverage) ratio | 13.9274% | 996 |
| Tier 1 risk-based capital ratio | 17.5949% | 1,999 |
| Total risk-based capital ratio | 18.8578% | 1,955 |
| Memoranda: | ||
| Average total assets | $134,577,000 | 4,249 |
| Average earning assets | $109,479,600 | 4,580 |
| Average equity | $17,717,800 | 3,545 |
| Average total loans | $96,882,600 | 4,037 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3515% | 5,168 |
| Cost of funding earning assets | 1.2846% | 6,601 |
| Net interest margin | 4.0669% | 2,520 |
| Noninterest income to average assets | 0.7854% | 2,508 |
| Noninterest expense to average assets | 3.5357% | 2,180 |
| Loan and lease loss provision to assets | 0.0259% | 7,094 |
| Net operating income to assets | 0.4639% | 4,148 |
| Return on assets (ROA) | 0.4491% | 4,301 |
| Pretax return on assets | 0.5758% | 4,276 |
| Return on Equity (ROE) | 3.3759% | 4,631 |
| Retained earnings to average equity (ytd only) | 3.3759% | 3,417 |
| Net charge-offs to loans | 0.0097% | 6,806 |
| Credit loss provision to net charge-offs | 371.4286% | 1,088 |
| Earnings coverage of net charge-offs (x) | 88.8864% | 396 |
| Efficiency ratio | 85.0660% | 2,176 |
| Assets per employee ($millions) | 2.5254% | 7,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 4,511 |
| Loan loss allowance to noncurrent loans | 26.7942% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 4.5919% | 1,320 |
| Noncurrent loans to loans | 4.8486% | 1,399 |
| Net loans and leases to total assets | 72.5924% | 2,888 |
| Net loans and leases to deposits | 84.0180% | 3,636 |
| Net loans and leases to core deposits | 95.7556% | 4,834 |
| Total domestic deposits to total assets | 86.4011% | 2,476 |
| Equity capital to assets | 12.9060% | 1,731 |
| Core capital (leverage) ratio | 14.5073% | 955 |
| Tier 1 risk-based capital ratio | 18.1771% | 1,941 |
| Total risk-based capital ratio | 19.4029% | 1,894 |
| Memoranda: | ||
| Average total assets | $133,606,500 | 4,289 |
| Average earning assets | $110,744,500 | 4,568 |
| Average equity | $17,772,750 | 3,565 |
| Average total loans | $96,503,250 | 4,073 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2393% | 5,918 |
| Cost of funding earning assets | 1.2847% | 6,858 |
| Net interest margin | 3.9546% | 2,871 |
| Noninterest income to average assets | 0.7567% | 2,666 |
| Noninterest expense to average assets | 3.5030% | 2,329 |
| Loan and lease loss provision to assets | 0.0347% | 6,894 |
| Net operating income to assets | 0.4410% | 4,331 |
| Return on assets (ROA) | 0.4190% | 4,537 |
| Pretax return on assets | 0.5185% | 4,557 |
| Return on Equity (ROE) | 3.1183% | 4,854 |
| Retained earnings to average equity (ytd only) | 3.1183% | 3,578 |
| Net charge-offs to loans | -0.0063% | 7,553 |
| Credit loss provision to net charge-offs | -766.6667% | 7,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7881% | 2,248 |
| Assets per employee ($millions) | 2.6082% | 7,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 3,996 |
| Loan loss allowance to noncurrent loans | 26.3370% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 4.6319% | 1,196 |
| Noncurrent loans to loans | 5.1154% | 1,183 |
| Net loans and leases to total assets | 70.7294% | 3,527 |
| Net loans and leases to deposits | 81.7770% | 4,263 |
| Net loans and leases to core deposits | 92.7224% | 5,270 |
| Total domestic deposits to total assets | 86.4906% | 2,512 |
| Equity capital to assets | 12.8488% | 1,765 |
| Core capital (leverage) ratio | 14.3923% | 1,045 |
| Tier 1 risk-based capital ratio | 17.6950% | 2,088 |
| Total risk-based capital ratio | 18.9034% | 2,055 |
| Memoranda: | ||
| Average total assets | $132,685,000 | 4,334 |
| Average earning assets | $111,617,330 | 4,586 |
| Average equity | $17,830,330 | 3,573 |
| Average total loans | $95,238,330 | 4,134 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2702% | 6,027 |
| Cost of funding earning assets | 1.3266% | 6,943 |
| Net interest margin | 3.9436% | 2,872 |
| Noninterest income to average assets | 0.7438% | 2,636 |
| Noninterest expense to average assets | 3.3959% | 2,370 |
| Loan and lease loss provision to assets | 0.0122% | 6,688 |
| Net operating income to assets | 0.4954% | 4,440 |
| Return on assets (ROA) | 0.4908% | 4,655 |
| Pretax return on assets | 0.6554% | 4,573 |
| Return on Equity (ROE) | 3.5713% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.5713% | 3,906 |
| Net charge-offs to loans | 0.0340% | 5,041 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | 27.6250% | 1,126 |
| Efficiency ratio | 83.4457% | 2,364 |
| Assets per employee ($millions) | 2.5450% | 7,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 3,895 |
| Loan loss allowance to noncurrent loans | 30.8434% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 4.0668% | 1,259 |
| Noncurrent loans to loans | 4.3240% | 1,351 |
| Net loans and leases to total assets | 71.5551% | 3,336 |
| Net loans and leases to deposits | 83.3504% | 4,083 |
| Net loans and leases to core deposits | 92.6358% | 5,295 |
| Total domestic deposits to total assets | 85.8486% | 2,793 |
| Equity capital to assets | 13.0679% | 1,716 |
| Core capital (leverage) ratio | 13.5467% | 1,312 |
| Tier 1 risk-based capital ratio | 16.2138% | 2,607 |
| Total risk-based capital ratio | 17.4191% | 2,569 |
| Memoranda: | ||
| Average total assets | $131,215,500 | 4,390 |
| Average earning assets | $110,660,500 | 4,621 |
| Average equity | $18,032,500 | 3,560 |
| Average total loans | $94,239,500 | 4,204 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2271% | 4,375 |
| Cost of funding earning assets | 1.6476% | 7,358 |
| Net interest margin | 4.5795% | 1,233 |
| Noninterest income to average assets | 1.0652% | 1,385 |
| Noninterest expense to average assets | 3.4935% | 2,416 |
| Loan and lease loss provision to assets | 0.1481% | 5,464 |
| Net operating income to assets | 0.9623% | 2,732 |
| Return on assets (ROA) | 0.9623% | 2,607 |
| Pretax return on assets | 1.3266% | 2,217 |
| Return on Equity (ROE) | 6.3790% | 3,804 |
| Retained earnings to average equity (ytd only) | -0.2363% | 5,357 |
| Net charge-offs to loans | 0.1164% | 5,099 |
| Credit loss provision to net charge-offs | 179.8077% | 2,805 |
| Earnings coverage of net charge-offs (x) | 17.9038% | 1,739 |
| Efficiency ratio | 70.3172% | 4,289 |
| Assets per employee ($millions) | 2.5018% | 7,201 |
| Cash dividends to net income (ytd only)* | 103.7037% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 3,267 |
| Loan loss allowance to noncurrent loans | 94.4812% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 2.0124% | 2,446 |
| Noncurrent loans to loans | 1.4691% | 3,595 |
| Net loans and leases to total assets | 70.1194% | 3,988 |
| Net loans and leases to deposits | 82.5668% | 4,640 |
| Net loans and leases to core deposits | 93.1843% | 5,528 |
| Total domestic deposits to total assets | 84.9244% | 2,876 |
| Equity capital to assets | 14.4291% | 1,317 |
| Core capital (leverage) ratio | 14.5380% | 1,133 |
| Tier 1 risk-based capital ratio | 18.3631% | 1,946 |
| Total risk-based capital ratio | 19.6396% | 1,886 |
| Memoranda: | ||
| Average total assets | $126,263,800 | 4,367 |
| Average earning assets | $107,611,000 | 4,575 |
| Average equity | $19,046,800 | 3,385 |
| Average total loans | $89,343,400 | 4,249 |