Home > DeWitt Bank & Trust Co. > Performance and Condition Ratios
DeWitt Bank & Trust Co., 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 | 5.1262% | 1,802 |
| Cost of funding earning assets | 2.3422% | 503 |
| Net interest margin | 2.7840% | 3,692 |
| Noninterest income to average assets | 1.2500% | 475 |
| Noninterest expense to average assets | 3.0082% | 1,116 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7662% | 2,993 |
| Return on assets (ROA) | 0.6483% | 3,294 |
| Pretax return on assets | 0.6591% | 3,520 |
| Return on Equity (ROE) | 9.5800% | 2,616 |
| Retained earnings to average equity (ytd only) | 2.0466% | 3,572 |
| Net charge-offs to loans | 0.1314% | 750 |
| Credit loss provision to net charge-offs | 66.0793% | 2,115 |
| Earnings coverage of net charge-offs (x) | 8.9119% | 2,323 |
| Efficiency ratio | 78.1345% | 1,059 |
| Assets per employee ($millions) | 4.5869% | 3,898 |
| Cash dividends to net income (ytd only)* | 78.6264% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 2,480 |
| Loan loss allowance to noncurrent loans | 81.1197% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.0654% | 442 |
| Noncurrent loans to loans | 1.4350% | 488 |
| Net loans and leases to total assets | 73.3800% | 1,429 |
| Net loans and leases to deposits | 85.3212% | 1,667 |
| Net loans and leases to core deposits | 95.6396% | 1,674 |
| Total domestic deposits to total assets | 86.0000% | 2,019 |
| Equity capital to assets | 6.9969% | 3,939 |
| Core capital (leverage) ratio | 8.9468% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2929% | 2,765 |
| Memoranda: | ||
| Average total assets | $240,311,400 | 2,734 |
| Average earning assets | $224,064,000 | 2,720 |
| Average equity | $16,270,800 | 3,159 |
| Average total loans | $172,698,200 | 2,503 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0033% | 1,822 |
| Cost of funding earning assets | 2.1799% | 516 |
| Net interest margin | 2.8234% | 3,688 |
| Noninterest income to average assets | 1.3200% | 452 |
| Noninterest expense to average assets | 3.0109% | 1,057 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.8491% | 2,863 |
| Return on assets (ROA) | 0.8491% | 2,844 |
| Pretax return on assets | 0.8586% | 3,196 |
| Return on Equity (ROE) | 12.6500% | 1,966 |
| Retained earnings to average equity (ytd only) | 5.1886% | 2,873 |
| Net charge-offs to loans | 0.0843% | 881 |
| Credit loss provision to net charge-offs | 138.8889% | 1,366 |
| Earnings coverage of net charge-offs (x) | 15.6759% | 1,953 |
| Efficiency ratio | 76.1684% | 1,160 |
| Assets per employee ($millions) | 4.6036% | 3,875 |
| Cash dividends to net income (ytd only)* | 58.9777% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,129 |
| Loan loss allowance to noncurrent loans | 98.0999% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 576 |
| Noncurrent loans to loans | 1.2703% | 603 |
| Net loans and leases to total assets | 72.1100% | 1,561 |
| Net loans and leases to deposits | 87.8760% | 1,400 |
| Net loans and leases to core deposits | 98.8676% | 1,389 |
| Total domestic deposits to total assets | 82.0500% | 3,199 |
| Equity capital to assets | 6.5621% | 3,807 |
| Core capital (leverage) ratio | 9.2215% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5084% | 2,726 |
| Memoranda: | ||
| Average total assets | $239,612,250 | 2,746 |
| Average earning assets | $223,555,000 | 2,734 |
| Average equity | $16,086,000 | 3,160 |
| Average total loans | $170,750,750 | 2,525 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8512% | 1,883 |
| Cost of funding earning assets | 2.0039% | 489 |
| Net interest margin | 2.8472% | 3,738 |
| Noninterest income to average assets | 1.4900% | 328 |
| Noninterest expense to average assets | 3.0502% | 966 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.9767% | 2,497 |
| Return on assets (ROA) | 0.9767% | 2,487 |
| Pretax return on assets | 0.9767% | 2,979 |
| Return on Equity (ROE) | 14.4400% | 1,592 |
| Retained earnings to average equity (ytd only) | 7.2994% | 2,195 |
| Net charge-offs to loans | 0.0392% | 1,130 |
| Credit loss provision to net charge-offs | 454.5455% | 683 |
| Earnings coverage of net charge-offs (x) | 39.7879% | 1,403 |
| Efficiency ratio | 73.4479% | 1,407 |
| Assets per employee ($millions) | 4.3899% | 4,011 |
| Cash dividends to net income (ytd only)* | 49.4411% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 1,648 |
| Loan loss allowance to noncurrent loans | 81.4341% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.1883% | 342 |
| Noncurrent loans to loans | 1.6794% | 371 |
| Net loans and leases to total assets | 69.7900% | 1,768 |
| Net loans and leases to deposits | 80.9748% | 1,906 |
| Net loans and leases to core deposits | 89.7101% | 1,818 |
| Total domestic deposits to total assets | 86.1900% | 2,174 |
| Equity capital to assets | 7.0837% | 3,748 |
| Core capital (leverage) ratio | 9.3868% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9902% | 2,630 |
| Memoranda: | ||
| Average total assets | $238,152,000 | 2,764 |
| Average earning assets | $222,461,667 | 2,753 |
| Average equity | $16,111,000 | 3,179 |
| Average total loans | $168,283,333 | 2,534 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 1,706 |
| Cost of funding earning assets | 1.7756% | 478 |
| Net interest margin | 2.9897% | 3,626 |
| Noninterest income to average assets | 1.8000% | 263 |
| Noninterest expense to average assets | 3.0666% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5584% | 1,061 |
| Return on assets (ROA) | 1.5584% | 1,055 |
| Pretax return on assets | 1.5316% | 1,599 |
| Return on Equity (ROE) | 23.5900% | 470 |
| Retained earnings to average equity (ytd only) | 17.2474% | 574 |
| Net charge-offs to loans | 0.0142% | 1,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 152.3333% | 605 |
| Efficiency ratio | 66.6910% | 2,127 |
| Assets per employee ($millions) | 4.2157% | 4,161 |
| Cash dividends to net income (ytd only)* | 26.8817% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 1,834 |
| Loan loss allowance to noncurrent loans | 65.4048% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.4546% | 236 |
| Noncurrent loans to loans | 2.0597% | 265 |
| Net loans and leases to total assets | 69.6700% | 1,662 |
| Net loans and leases to deposits | 80.2200% | 1,802 |
| Net loans and leases to core deposits | 87.4900% | 1,773 |
| Total domestic deposits to total assets | 86.8500% | 2,319 |
| Equity capital to assets | 6.8533% | 3,886 |
| Core capital (leverage) ratio | 9.1946% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2820% | 2,641 |
| Memoranda: | ||
| Average total assets | $238,702,000 | 2,802 |
| Average earning assets | $223,029,000 | 2,780 |
| Average equity | $15,770,500 | 3,236 |
| Average total loans | $168,554,500 | 2,561 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6629% | 2,633 |
| Cost of funding earning assets | 0.6411% | 750 |
| Net interest margin | 3.0217% | 3,391 |
| Noninterest income to average assets | 1.2000% | 473 |
| Noninterest expense to average assets | 2.9381% | 1,070 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.9788% | 2,643 |
| Return on assets (ROA) | 0.9788% | 2,593 |
| Pretax return on assets | 1.0300% | 2,978 |
| Return on Equity (ROE) | 13.6400% | 1,617 |
| Retained earnings to average equity (ytd only) | 5.0721% | 3,017 |
| Net charge-offs to loans | 0.0044% | 2,286 |
| Credit loss provision to net charge-offs | 2,142.8571% | 249 |
| Earnings coverage of net charge-offs (x) | 369.1429% | 417 |
| Efficiency ratio | 72.8771% | 1,342 |
| Assets per employee ($millions) | 4.6409% | 3,945 |
| Cash dividends to net income (ytd only)* | 62.8188% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 2,006 |
| Loan loss allowance to noncurrent loans | 76.7360% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.1756% | 328 |
| Noncurrent loans to loans | 1.6650% | 378 |
| Net loans and leases to total assets | 69.7000% | 1,662 |
| Net loans and leases to deposits | 87.7566% | 1,192 |
| Net loans and leases to core deposits | 90.9396% | 1,459 |
| Total domestic deposits to total assets | 79.4300% | 3,951 |
| Equity capital to assets | 6.3656% | 3,953 |
| Core capital (leverage) ratio | 9.1573% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6510% | 2,827 |
| Memoranda: | ||
| Average total assets | $236,312,200 | 2,811 |
| Average earning assets | $221,330,200 | 2,792 |
| Average equity | $16,955,400 | 3,205 |
| Average total loans | $157,920,200 | 2,554 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4497% | 2,777 |
| Cost of funding earning assets | 0.4621% | 921 |
| Net interest margin | 2.9876% | 3,248 |
| Noninterest income to average assets | 1.2700% | 454 |
| Noninterest expense to average assets | 2.9371% | 999 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0374% | 2,332 |
| Return on assets (ROA) | 1.0374% | 2,301 |
| Pretax return on assets | 1.0919% | 2,750 |
| Return on Equity (ROE) | 14.0500% | 1,416 |
| Retained earnings to average equity (ytd only) | 6.0389% | 2,740 |
| Net charge-offs to loans | 0.0043% | 2,042 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 400.0000% | 383 |
| Efficiency ratio | 72.1371% | 1,498 |
| Assets per employee ($millions) | 4.4120% | 4,114 |
| Cash dividends to net income (ytd only)* | 57.0257% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 2,080 |
| Loan loss allowance to noncurrent loans | 77.6180% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1383% | 383 |
| Noncurrent loans to loans | 1.6616% | 400 |
| Net loans and leases to total assets | 67.6200% | 1,717 |
| Net loans and leases to deposits | 75.3508% | 1,929 |
| Net loans and leases to core deposits | 77.7436% | 2,059 |
| Total domestic deposits to total assets | 89.7500% | 1,762 |
| Equity capital to assets | 6.1709% | 3,893 |
| Core capital (leverage) ratio | 9.2259% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6587% | 2,905 |
| Memoranda: | ||
| Average total assets | $235,058,500 | 2,836 |
| Average earning assets | $220,418,250 | 2,820 |
| Average equity | $17,353,750 | 3,213 |
| Average total loans | $154,803,250 | 2,590 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3005% | 2,740 |
| Cost of funding earning assets | 0.3495% | 1,264 |
| Net interest margin | 2.9510% | 3,028 |
| Noninterest income to average assets | 1.4445% | 352 |
| Noninterest expense to average assets | 2.9180% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2470% | 1,287 |
| Return on assets (ROA) | 1.2470% | 1,270 |
| Pretax return on assets | 1.3120% | 1,702 |
| Return on Equity (ROE) | 15.9999% | 702 |
| Retained earnings to average equity (ytd only) | 8.2905% | 1,516 |
| Net charge-offs to loans | 0.1092% | 553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 18.4940% | 1,579 |
| Efficiency ratio | 68.9836% | 2,105 |
| Assets per employee ($millions) | 4.2598% | 4,231 |
| Cash dividends to net income (ytd only)* | 48.1837% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 2,385 |
| Loan loss allowance to noncurrent loans | 90.8329% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9342% | 526 |
| Noncurrent loans to loans | 1.3859% | 548 |
| Net loans and leases to total assets | 66.5593% | 1,626 |
| Net loans and leases to deposits | 72.3997% | 1,998 |
| Net loans and leases to core deposits | 74.4917% | 2,131 |
| Total domestic deposits to total assets | 91.9332% | 860 |
| Equity capital to assets | 6.7279% | 3,927 |
| Core capital (leverage) ratio | 9.0338% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9546% | 2,829 |
| Memoranda: | ||
| Average total assets | $233,995,667 | 2,866 |
| Average earning assets | $220,877,667 | 2,844 |
| Average equity | $18,237,667 | 3,216 |
| Average total loans | $151,998,667 | 2,621 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2429% | 2,558 |
| Cost of funding earning assets | 0.3371% | 1,312 |
| Net interest margin | 2.9058% | 2,820 |
| Noninterest income to average assets | 1.7374% | 290 |
| Noninterest expense to average assets | 2.9562% | 876 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4374% | 731 |
| Return on assets (ROA) | 1.4374% | 729 |
| Pretax return on assets | 1.5137% | 991 |
| Return on Equity (ROE) | 17.2898% | 391 |
| Retained earnings to average equity (ytd only) | 9.7867% | 1,076 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1358% | 2,755 |
| Assets per employee ($millions) | 4.4952% | 4,136 |
| Cash dividends to net income (ytd only)* | 43.3962% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 2,172 |
| Loan loss allowance to noncurrent loans | 119.9882% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 773 |
| Noncurrent loans to loans | 1.1155% | 800 |
| Net loans and leases to total assets | 64.1742% | 1,602 |
| Net loans and leases to deposits | 69.7787% | 1,986 |
| Net loans and leases to core deposits | 71.7574% | 2,133 |
| Total domestic deposits to total assets | 91.9683% | 586 |
| Equity capital to assets | 7.6711% | 3,815 |
| Core capital (leverage) ratio | 9.0112% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0975% | 2,871 |
| Memoranda: | ||
| Average total assets | $235,979,500 | 2,868 |
| Average earning assets | $221,901,500 | 2,852 |
| Average equity | $19,618,500 | 3,173 |
| Average total loans | $150,469,500 | 2,623 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 1,816 |
| Cost of funding earning assets | 0.4083% | 1,480 |
| Net interest margin | 3.4134% | 1,982 |
| Noninterest income to average assets | 1.6951% | 401 |
| Noninterest expense to average assets | 3.0299% | 939 |
| Loan and lease loss provision to assets | 0.2002% | 540 |
| Net operating income to assets | 1.5763% | 867 |
| Return on assets (ROA) | 1.5763% | 898 |
| Pretax return on assets | 1.6591% | 1,247 |
| Return on Equity (ROE) | 16.9976% | 595 |
| Retained earnings to average equity (ytd only) | 7.4580% | 1,741 |
| Net charge-offs to loans | -0.0028% | 3,421 |
| Credit loss provision to net charge-offs | -11,250.0000% | 4,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9723% | 2,874 |
| Assets per employee ($millions) | 4.5810% | 4,058 |
| Cash dividends to net income (ytd only)* | 56.1230% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 2,067 |
| Loan loss allowance to noncurrent loans | 93.7356% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.9114% | 640 |
| Noncurrent loans to loans | 1.4580% | 630 |
| Net loans and leases to total assets | 61.6525% | 1,979 |
| Net loans and leases to deposits | 68.1496% | 2,300 |
| Net loans and leases to core deposits | 70.1653% | 2,428 |
| Total domestic deposits to total assets | 90.4664% | 733 |
| Equity capital to assets | 8.9442% | 3,685 |
| Core capital (leverage) ratio | 8.9263% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9770% | 2,897 |
| Memoranda: | ||
| Average total assets | $224,826,200 | 2,873 |
| Average earning assets | $210,376,200 | 2,869 |
| Average equity | $20,850,000 | 3,145 |
| Average total loans | $144,210,200 | 2,687 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8202% | 1,975 |
| Cost of funding earning assets | 0.4227% | 1,537 |
| Net interest margin | 3.3974% | 2,161 |
| Noninterest income to average assets | 1.4273% | 594 |
| Noninterest expense to average assets | 2.9155% | 1,101 |
| Loan and lease loss provision to assets | 0.1355% | 842 |
| Net operating income to assets | 1.4737% | 1,333 |
| Return on assets (ROA) | 1.4737% | 1,381 |
| Pretax return on assets | 1.5501% | 1,849 |
| Return on Equity (ROE) | 15.7403% | 997 |
| Retained earnings to average equity (ytd only) | 8.4167% | 1,902 |
| Net charge-offs to loans | -0.0037% | 3,350 |
| Credit loss provision to net charge-offs | -5,625.0000% | 4,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3652% | 2,480 |
| Assets per employee ($millions) | 4.3407% | 4,236 |
| Cash dividends to net income (ytd only)* | 46.5278% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,757 |
| Loan loss allowance to noncurrent loans | 91.5066% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.8763% | 789 |
| Noncurrent loans to loans | 1.3620% | 783 |
| Net loans and leases to total assets | 63.5375% | 1,829 |
| Net loans and leases to deposits | 70.6444% | 2,175 |
| Net loans and leases to core deposits | 72.8232% | 2,336 |
| Total domestic deposits to total assets | 89.9399% | 799 |
| Equity capital to assets | 9.4775% | 3,395 |
| Core capital (leverage) ratio | 9.1033% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6984% | 3,104 |
| Memoranda: | ||
| Average total assets | $221,480,000 | 2,928 |
| Average earning assets | $206,895,500 | 2,928 |
| Average equity | $20,736,000 | 3,190 |
| Average total loans | $143,038,250 | 2,734 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4666% | 2,987 |
| Cost of funding earning assets | 0.4341% | 1,627 |
| Net interest margin | 3.0326% | 3,237 |
| Noninterest income to average assets | 1.5868% | 496 |
| Noninterest expense to average assets | 2.9264% | 1,109 |
| Loan and lease loss provision to assets | 0.1363% | 897 |
| Net operating income to assets | 1.3005% | 1,869 |
| Return on assets (ROA) | 1.3005% | 1,938 |
| Pretax return on assets | 1.3687% | 2,418 |
| Return on Equity (ROE) | 13.9492% | 1,425 |
| Retained earnings to average equity (ytd only) | 6.5213% | 2,616 |
| Net charge-offs to loans | -0.0028% | 3,270 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0377% | 2,148 |
| Assets per employee ($millions) | 4.1873% | 4,339 |
| Cash dividends to net income (ytd only)* | 53.2495% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,935 |
| Loan loss allowance to noncurrent loans | 88.4635% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.8827% | 882 |
| Noncurrent loans to loans | 1.3567% | 860 |
| Net loans and leases to total assets | 64.2845% | 1,916 |
| Net loans and leases to deposits | 71.7304% | 2,235 |
| Net loans and leases to core deposits | 74.2352% | 2,386 |
| Total domestic deposits to total assets | 89.6197% | 968 |
| Equity capital to assets | 9.3805% | 3,436 |
| Core capital (leverage) ratio | 8.7249% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0980% | 3,075 |
| Memoranda: | ||
| Average total assets | $220,068,667 | 2,941 |
| Average earning assets | $206,426,000 | 2,929 |
| Average equity | $20,517,333 | 3,202 |
| Average total loans | $142,310,000 | 2,758 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4975% | 2,930 |
| Cost of funding earning assets | 0.4584% | 1,661 |
| Net interest margin | 3.0391% | 3,161 |
| Noninterest income to average assets | 1.8545% | 418 |
| Noninterest expense to average assets | 2.9607% | 1,049 |
| Loan and lease loss provision to assets | 0.0548% | 2,012 |
| Net operating income to assets | 1.5972% | 1,135 |
| Return on assets (ROA) | 1.5972% | 1,185 |
| Pretax return on assets | 1.6830% | 1,529 |
| Return on Equity (ROE) | 17.1847% | 823 |
| Retained earnings to average equity (ytd only) | 13.2567% | 863 |
| Net charge-offs to loans | -0.0227% | 4,055 |
| Credit loss provision to net charge-offs | -375.0000% | 3,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0148% | 2,605 |
| Assets per employee ($millions) | 4.2527% | 4,309 |
| Cash dividends to net income (ytd only)* | 22.8571% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,336 |
| Loan loss allowance to noncurrent loans | 61.8975% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.1597% | 651 |
| Noncurrent loans to loans | 1.8111% | 637 |
| Net loans and leases to total assets | 63.3164% | 2,129 |
| Net loans and leases to deposits | 70.2254% | 2,484 |
| Net loans and leases to core deposits | 72.5878% | 2,651 |
| Total domestic deposits to total assets | 90.1617% | 745 |
| Equity capital to assets | 8.9958% | 3,691 |
| Core capital (leverage) ratio | 9.0773% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5120% | 3,069 |
| Memoranda: | ||
| Average total assets | $219,138,500 | 2,936 |
| Average earning assets | $205,062,500 | 2,929 |
| Average equity | $20,367,000 | 3,214 |
| Average total loans | $141,265,500 | 2,771 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9197% | 2,978 |
| Cost of funding earning assets | 0.7591% | 1,400 |
| Net interest margin | 3.1605% | 3,465 |
| Noninterest income to average assets | 1.4421% | 576 |
| Noninterest expense to average assets | 3.2182% | 1,026 |
| Loan and lease loss provision to assets | 0.1520% | 2,476 |
| Net operating income to assets | 0.9648% | 2,420 |
| Return on assets (ROA) | 0.9648% | 2,568 |
| Pretax return on assets | 1.0150% | 2,996 |
| Return on Equity (ROE) | 9.8711% | 2,051 |
| Retained earnings to average equity (ytd only) | 4.2720% | 2,665 |
| Net charge-offs to loans | 0.0272% | 2,490 |
| Credit loss provision to net charge-offs | 810.8108% | 892 |
| Earnings coverage of net charge-offs (x) | 62.2432% | 1,052 |
| Efficiency ratio | 73.3880% | 1,520 |
| Assets per employee ($millions) | 4.1742% | 4,233 |
| Cash dividends to net income (ytd only)* | 56.7227% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 3,239 |
| Loan loss allowance to noncurrent loans | 59.2426% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.2528% | 662 |
| Noncurrent loans to loans | 1.9298% | 615 |
| Net loans and leases to total assets | 64.1769% | 2,331 |
| Net loans and leases to deposits | 71.8615% | 2,699 |
| Net loans and leases to core deposits | 74.5085% | 2,861 |
| Total domestic deposits to total assets | 89.3063% | 854 |
| Equity capital to assets | 9.6100% | 3,502 |
| Core capital (leverage) ratio | 9.0843% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7831% | 3,089 |
| Memoranda: | ||
| Average total assets | $197,348,800 | 2,965 |
| Average earning assets | $183,765,600 | 2,961 |
| Average equity | $19,288,600 | 3,254 |
| Average total loans | $136,103,600 | 2,790 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8132% | 3,524 |
| Cost of funding earning assets | 0.8450% | 1,281 |
| Net interest margin | 2.9682% | 4,052 |
| Noninterest income to average assets | 1.5003% | 519 |
| Noninterest expense to average assets | 3.2653% | 961 |
| Loan and lease loss provision to assets | 0.1861% | 2,128 |
| Net operating income to assets | 0.7719% | 3,204 |
| Return on assets (ROA) | 0.7719% | 3,317 |
| Pretax return on assets | 0.8111% | 3,616 |
| Return on Equity (ROE) | 7.8610% | 2,861 |
| Retained earnings to average equity (ytd only) | 4.0358% | 3,033 |
| Net charge-offs to loans | 0.0364% | 2,107 |
| Credit loss provision to net charge-offs | 729.7297% | 1,041 |
| Earnings coverage of net charge-offs (x) | 39.1081% | 1,374 |
| Efficiency ratio | 76.6047% | 1,147 |
| Assets per employee ($millions) | 4.0533% | 4,278 |
| Cash dividends to net income (ytd only)* | 48.6607% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,422 |
| Loan loss allowance to noncurrent loans | 65.8319% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.1968% | 842 |
| Noncurrent loans to loans | 1.6066% | 877 |
| Net loans and leases to total assets | 70.1913% | 1,916 |
| Net loans and leases to deposits | 80.8828% | 2,212 |
| Net loans and leases to core deposits | 83.8930% | 2,485 |
| Total domestic deposits to total assets | 86.7815% | 1,742 |
| Equity capital to assets | 9.7016% | 3,515 |
| Core capital (leverage) ratio | 9.2373% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,465,500 | 2,975 |
| Average earning assets | $180,038,500 | 2,977 |
| Average equity | $18,996,250 | 3,280 |
| Average total loans | $135,579,250 | 2,807 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 3,197 |
| Cost of funding earning assets | 0.9585% | 1,115 |
| Net interest margin | 3.0920% | 3,914 |
| Noninterest income to average assets | 1.6112% | 404 |
| Noninterest expense to average assets | 3.3314% | 948 |
| Loan and lease loss provision to assets | 0.2539% | 1,665 |
| Net operating income to assets | 0.8728% | 2,798 |
| Return on assets (ROA) | 0.8728% | 2,916 |
| Pretax return on assets | 0.9098% | 3,287 |
| Return on Equity (ROE) | 8.8503% | 2,420 |
| Retained earnings to average equity (ytd only) | 4.7738% | 2,577 |
| Net charge-offs to loans | 0.0455% | 1,840 |
| Credit loss provision to net charge-offs | 800.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 36.6667% | 1,304 |
| Efficiency ratio | 74.1116% | 1,452 |
| Assets per employee ($millions) | 3.8585% | 4,427 |
| Cash dividends to net income (ytd only)* | 46.0606% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,307 |
| Loan loss allowance to noncurrent loans | 58.1874% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.4675% | 644 |
| Noncurrent loans to loans | 1.8105% | 776 |
| Net loans and leases to total assets | 70.1765% | 2,003 |
| Net loans and leases to deposits | 80.0508% | 2,419 |
| Net loans and leases to core deposits | 83.7082% | 2,634 |
| Total domestic deposits to total assets | 87.6650% | 1,343 |
| Equity capital to assets | 9.5628% | 3,601 |
| Core capital (leverage) ratio | 9.5098% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5351% | 3,193 |
| Memoranda: | ||
| Average total assets | $189,048,000 | 2,998 |
| Average earning assets | $176,324,333 | 2,998 |
| Average equity | $18,643,333 | 3,309 |
| Average total loans | $131,889,333 | 2,843 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 2,747 |
| Cost of funding earning assets | 1.1383% | 936 |
| Net interest margin | 3.2220% | 3,802 |
| Noninterest income to average assets | 2.0737% | 255 |
| Noninterest expense to average assets | 3.5340% | 886 |
| Loan and lease loss provision to assets | 0.0662% | 2,938 |
| Net operating income to assets | 1.3788% | 1,042 |
| Return on assets (ROA) | 1.3788% | 1,117 |
| Pretax return on assets | 1.4582% | 1,416 |
| Return on Equity (ROE) | 13.7461% | 750 |
| Retained earnings to average equity (ytd only) | 13.7461% | 273 |
| Net charge-offs to loans | 0.0670% | 1,355 |
| Credit loss provision to net charge-offs | 142.8571% | 1,608 |
| Earnings coverage of net charge-offs (x) | 32.9048% | 1,119 |
| Efficiency ratio | 69.8648% | 2,372 |
| Assets per employee ($millions) | 3.4513% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 3,425 |
| Loan loss allowance to noncurrent loans | 9,478.5714% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 3,604 |
| Noncurrent loans to loans | 0.0111% | 4,531 |
| Net loans and leases to total assets | 69.4098% | 2,332 |
| Net loans and leases to deposits | 77.6452% | 2,926 |
| Net loans and leases to core deposits | 81.6126% | 3,049 |
| Total domestic deposits to total assets | 89.3935% | 514 |
| Equity capital to assets | 10.0013% | 3,786 |
| Core capital (leverage) ratio | 10.3825% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7088% | 2,838 |
| Memoranda: | ||
| Average total assets | $181,322,000 | 3,036 |
| Average earning assets | $167,969,000 | 3,034 |
| Average equity | $18,187,000 | 3,351 |
| Average total loans | $125,314,500 | 2,895 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 2,797 |
| Cost of funding earning assets | 1.2396% | 927 |
| Net interest margin | 3.3045% | 3,979 |
| Noninterest income to average assets | 1.4829% | 418 |
| Noninterest expense to average assets | 3.4112% | 1,093 |
| Loan and lease loss provision to assets | 0.1070% | 1,944 |
| Net operating income to assets | 0.9738% | 2,936 |
| Return on assets (ROA) | 1.1959% | 2,168 |
| Pretax return on assets | 1.2584% | 2,644 |
| Return on Equity (ROE) | 11.2916% | 1,779 |
| Retained earnings to average equity (ytd only) | 5.4901% | 2,169 |
| Net charge-offs to loans | 0.2151% | 950 |
| Credit loss provision to net charge-offs | 69.2884% | 2,921 |
| Earnings coverage of net charge-offs (x) | 7.3258% | 2,888 |
| Efficiency ratio | 75.0891% | 1,473 |
| Assets per employee ($millions) | 3.5917% | 4,382 |
| Cash dividends to net income (ytd only)* | 51.3788% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 3,184 |
| Loan loss allowance to noncurrent loans | 690.0524% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 3,188 |
| Noncurrent loans to loans | 0.1531% | 3,916 |
| Net loans and leases to total assets | 67.3754% | 2,773 |
| Net loans and leases to deposits | 75.4641% | 3,226 |
| Net loans and leases to core deposits | 78.8970% | 3,382 |
| Total domestic deposits to total assets | 89.2815% | 566 |
| Equity capital to assets | 10.0585% | 3,863 |
| Core capital (leverage) ratio | 10.1518% | 3,354 |
| Tier 1 risk-based capital ratio | 10.9010% | 4,887 |
| Total risk-based capital ratio | 11.6908% | 4,967 |
| Memoranda: | ||
| Average total assets | $172,841,000 | 3,086 |
| Average earning assets | $160,055,800 | 3,080 |
| Average equity | $18,305,600 | 3,307 |
| Average total loans | $124,148,800 | 2,891 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 2,810 |
| Cost of funding earning assets | 1.2329% | 949 |
| Net interest margin | 3.3419% | 4,010 |
| Noninterest income to average assets | 1.4621% | 425 |
| Noninterest expense to average assets | 3.4582% | 1,001 |
| Loan and lease loss provision to assets | 0.0587% | 2,727 |
| Net operating income to assets | 0.9936% | 3,004 |
| Return on assets (ROA) | 1.2428% | 2,119 |
| Pretax return on assets | 1.3086% | 2,638 |
| Return on Equity (ROE) | 11.5779% | 1,769 |
| Retained earnings to average equity (ytd only) | 7.5216% | 1,606 |
| Net charge-offs to loans | 0.0086% | 3,058 |
| Credit loss provision to net charge-offs | 937.5000% | 378 |
| Earnings coverage of net charge-offs (x) | 176.3158% | 483 |
| Efficiency ratio | 75.7851% | 1,355 |
| Assets per employee ($millions) | 3.0799% | 4,852 |
| Cash dividends to net income (ytd only)* | 35.0344% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 2,532 |
| Loan loss allowance to noncurrent loans | 150.3074% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 1,975 |
| Noncurrent loans to loans | 0.7959% | 1,985 |
| Net loans and leases to total assets | 69.0128% | 2,624 |
| Net loans and leases to deposits | 77.8790% | 3,103 |
| Net loans and leases to core deposits | 81.5918% | 3,277 |
| Total domestic deposits to total assets | 88.6154% | 775 |
| Equity capital to assets | 10.7945% | 3,298 |
| Core capital (leverage) ratio | 10.4708% | 3,127 |
| Tier 1 risk-based capital ratio | 11.2757% | 4,776 |
| Total risk-based capital ratio | 12.1837% | 4,820 |
| Memoranda: | ||
| Average total assets | $170,256,750 | 3,142 |
| Average earning assets | $157,992,250 | 3,133 |
| Average equity | $18,275,750 | 3,326 |
| Average total loans | $124,002,250 | 2,922 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 2,653 |
| Cost of funding earning assets | 1.2043% | 981 |
| Net interest margin | 3.4036% | 3,884 |
| Noninterest income to average assets | 1.6238% | 350 |
| Noninterest expense to average assets | 3.4055% | 1,096 |
| Loan and lease loss provision to assets | 0.0594% | 2,636 |
| Net operating income to assets | 1.2603% | 1,920 |
| Return on assets (ROA) | 1.6381% | 875 |
| Pretax return on assets | 1.7235% | 1,230 |
| Return on Equity (ROE) | 15.2900% | 707 |
| Retained earnings to average equity (ytd only) | 11.1905% | 523 |
| Net charge-offs to loans | 0.0129% | 2,676 |
| Credit loss provision to net charge-offs | 625.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 145.8750% | 510 |
| Efficiency ratio | 71.0852% | 2,058 |
| Assets per employee ($millions) | 3.4405% | 4,566 |
| Cash dividends to net income (ytd only)* | 26.8116% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,682 |
| Loan loss allowance to noncurrent loans | 259.3525% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 2,689 |
| Noncurrent loans to loans | 0.4499% | 2,922 |
| Net loans and leases to total assets | 70.9984% | 2,384 |
| Net loans and leases to deposits | 80.0460% | 2,945 |
| Net loans and leases to core deposits | 82.8787% | 3,208 |
| Total domestic deposits to total assets | 88.6970% | 790 |
| Equity capital to assets | 10.8478% | 3,229 |
| Core capital (leverage) ratio | 10.5018% | 3,085 |
| Tier 1 risk-based capital ratio | 10.8848% | 4,961 |
| Total risk-based capital ratio | 11.7475% | 5,022 |
| Memoranda: | ||
| Average total assets | $168,491,330 | 3,171 |
| Average earning assets | $156,776,000 | 3,160 |
| Average equity | $18,051,000 | 3,347 |
| Average total loans | $124,462,670 | 2,932 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 2,765 |
| Cost of funding earning assets | 1.1557% | 1,028 |
| Net interest margin | 3.3748% | 3,963 |
| Noninterest income to average assets | 2.0609% | 239 |
| Noninterest expense to average assets | 3.4164% | 1,090 |
| Loan and lease loss provision to assets | 0.0600% | 2,455 |
| Net operating income to assets | 1.6506% | 809 |
| Return on assets (ROA) | 1.6506% | 837 |
| Pretax return on assets | 1.7370% | 1,120 |
| Return on Equity (ROE) | 15.5077% | 662 |
| Retained earnings to average equity (ytd only) | 11.3603% | 736 |
| Net charge-offs to loans | 0.0064% | 2,470 |
| Credit loss provision to net charge-offs | 1,250.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 374.5000% | 206 |
| Efficiency ratio | 65.5315% | 3,005 |
| Assets per employee ($millions) | 3.2451% | 4,790 |
| Cash dividends to net income (ytd only)* | 26.7442% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 2,969 |
| Loan loss allowance to noncurrent loans | 256.6787% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 2,747 |
| Noncurrent loans to loans | 0.4403% | 3,002 |
| Net loans and leases to total assets | 73.7213% | 1,862 |
| Net loans and leases to deposits | 84.8135% | 2,283 |
| Net loans and leases to core deposits | 87.9271% | 2,694 |
| Total domestic deposits to total assets | 86.9217% | 1,855 |
| Equity capital to assets | 10.7707% | 3,075 |
| Core capital (leverage) ratio | 10.5338% | 3,011 |
| Tier 1 risk-based capital ratio | 11.1034% | 4,929 |
| Total risk-based capital ratio | 11.9959% | 4,991 |
| Memoranda: | ||
| Average total assets | $166,724,500 | 3,220 |
| Average earning assets | $155,743,500 | 3,207 |
| Average equity | $17,746,000 | 3,378 |
| Average total loans | $124,905,500 | 2,963 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2850% | 3,167 |
| Cost of funding earning assets | 0.8937% | 1,115 |
| Net interest margin | 3.3912% | 4,021 |
| Noninterest income to average assets | 1.5099% | 402 |
| Noninterest expense to average assets | 3.2859% | 1,355 |
| Loan and lease loss provision to assets | 0.0873% | 2,400 |
| Net operating income to assets | 1.2715% | 1,907 |
| Return on assets (ROA) | 1.2846% | 1,857 |
| Pretax return on assets | 1.3521% | 2,308 |
| Return on Equity (ROE) | 12.5836% | 1,515 |
| Retained earnings to average equity (ytd only) | 6.3125% | 2,029 |
| Net charge-offs to loans | 0.1797% | 1,066 |
| Credit loss provision to net charge-offs | 66.5138% | 3,035 |
| Earnings coverage of net charge-offs (x) | 10.8578% | 2,679 |
| Efficiency ratio | 69.7431% | 2,234 |
| Assets per employee ($millions) | 3.5043% | 4,544 |
| Cash dividends to net income (ytd only)* | 49.8359% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 2,933 |
| Loan loss allowance to noncurrent loans | 229.1326% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 2,472 |
| Noncurrent loans to loans | 0.4928% | 2,796 |
| Net loans and leases to total assets | 74.4293% | 1,858 |
| Net loans and leases to deposits | 86.6316% | 2,200 |
| Net loans and leases to core deposits | 89.0409% | 2,650 |
| Total domestic deposits to total assets | 85.9147% | 2,279 |
| Equity capital to assets | 10.5140% | 3,170 |
| Core capital (leverage) ratio | 10.3207% | 3,230 |
| Tier 1 risk-based capital ratio | 10.8557% | 5,044 |
| Total risk-based capital ratio | 11.7401% | 5,079 |
| Memoranda: | ||
| Average total assets | $166,042,000 | 3,208 |
| Average earning assets | $156,757,600 | 3,173 |
| Average equity | $16,950,600 | 3,398 |
| Average total loans | $121,341,000 | 2,977 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 3,181 |
| Cost of funding earning assets | 0.8337% | 1,177 |
| Net interest margin | 3.4045% | 3,993 |
| Noninterest income to average assets | 1.6268% | 370 |
| Noninterest expense to average assets | 3.3001% | 1,302 |
| Loan and lease loss provision to assets | 0.0361% | 3,285 |
| Net operating income to assets | 1.4298% | 1,391 |
| Return on assets (ROA) | 1.4481% | 1,335 |
| Pretax return on assets | 1.5234% | 1,824 |
| Return on Equity (ROE) | 14.2907% | 1,038 |
| Retained earnings to average equity (ytd only) | 9.9173% | 951 |
| Net charge-offs to loans | -0.0055% | 4,242 |
| Credit loss provision to net charge-offs | -900.0000% | 4,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1788% | 2,506 |
| Assets per employee ($millions) | 3.3384% | 4,738 |
| Cash dividends to net income (ytd only)* | 30.6030% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 2,443 |
| Loan loss allowance to noncurrent loans | 549.8195% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 4,136 |
| Noncurrent loans to loans | 0.2240% | 3,904 |
| Net loans and leases to total assets | 73.1710% | 2,134 |
| Net loans and leases to deposits | 85.8964% | 2,381 |
| Net loans and leases to core deposits | 88.2588% | 2,825 |
| Total domestic deposits to total assets | 85.1851% | 2,532 |
| Equity capital to assets | 10.2995% | 3,334 |
| Core capital (leverage) ratio | 10.5730% | 3,002 |
| Tier 1 risk-based capital ratio | 11.6715% | 4,694 |
| Total risk-based capital ratio | 12.6950% | 4,705 |
| Memoranda: | ||
| Average total assets | $166,376,500 | 3,229 |
| Average earning assets | $157,041,750 | 3,196 |
| Average equity | $16,859,000 | 3,432 |
| Average total loans | $120,679,250 | 3,013 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 3,219 |
| Cost of funding earning assets | 0.7807% | 1,216 |
| Net interest margin | 3.3848% | 3,999 |
| Noninterest income to average assets | 1.8195% | 313 |
| Noninterest expense to average assets | 3.3154% | 1,281 |
| Loan and lease loss provision to assets | 0.0361% | 3,190 |
| Net operating income to assets | 1.5875% | 941 |
| Return on assets (ROA) | 1.6150% | 899 |
| Pretax return on assets | 1.7004% | 1,211 |
| Return on Equity (ROE) | 16.0258% | 669 |
| Retained earnings to average equity (ytd only) | 11.6193% | 573 |
| Net charge-offs to loans | 0.0017% | 3,151 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 1,419.0000% | 52 |
| Efficiency ratio | 66.0038% | 2,980 |
| Assets per employee ($millions) | 3.4118% | 4,703 |
| Cash dividends to net income (ytd only)* | 27.4963% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,487 |
| Loan loss allowance to noncurrent loans | 593.2806% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 4,234 |
| Noncurrent loans to loans | 0.2090% | 3,973 |
| Net loans and leases to total assets | 71.5270% | 2,353 |
| Net loans and leases to deposits | 82.9254% | 2,664 |
| Net loans and leases to core deposits | 85.1699% | 2,998 |
| Total domestic deposits to total assets | 86.2546% | 2,165 |
| Equity capital to assets | 10.2174% | 3,429 |
| Core capital (leverage) ratio | 10.3470% | 3,186 |
| Tier 1 risk-based capital ratio | 11.7204% | 4,676 |
| Total risk-based capital ratio | 12.7500% | 4,682 |
| Memoranda: | ||
| Average total assets | $166,195,330 | 3,252 |
| Average earning assets | $157,290,330 | 3,206 |
| Average equity | $16,748,000 | 3,472 |
| Average total loans | $119,685,670 | 3,038 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 3,432 |
| Cost of funding earning assets | 0.7484% | 1,200 |
| Net interest margin | 3.2990% | 4,193 |
| Noninterest income to average assets | 2.0929% | 259 |
| Noninterest expense to average assets | 3.3626% | 1,231 |
| Loan and lease loss provision to assets | 0.0362% | 3,020 |
| Net operating income to assets | 1.7313% | 643 |
| Return on assets (ROA) | 1.7863% | 582 |
| Pretax return on assets | 1.8805% | 764 |
| Return on Equity (ROE) | 17.8512% | 427 |
| Retained earnings to average equity (ytd only) | 13.3884% | 470 |
| Net charge-offs to loans | -0.0067% | 4,108 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4013% | 3,416 |
| Assets per employee ($millions) | 3.2178% | 4,980 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,669 |
| Loan loss allowance to noncurrent loans | 598.3936% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 4,324 |
| Noncurrent loans to loans | 0.2043% | 4,055 |
| Net loans and leases to total assets | 73.3685% | 1,971 |
| Net loans and leases to deposits | 83.6163% | 2,436 |
| Net loans and leases to core deposits | 86.1809% | 2,792 |
| Total domestic deposits to total assets | 87.7442% | 1,767 |
| Equity capital to assets | 10.1572% | 3,441 |
| Core capital (leverage) ratio | 10.1691% | 3,337 |
| Tier 1 risk-based capital ratio | 11.4564% | 4,880 |
| Total risk-based capital ratio | 12.4805% | 4,910 |
| Memoranda: | ||
| Average total assets | $165,705,000 | 3,298 |
| Average earning assets | $157,139,000 | 3,245 |
| Average equity | $16,581,500 | 3,518 |
| Average total loans | $118,990,000 | 3,077 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 3,641 |
| Cost of funding earning assets | 0.5987% | 1,601 |
| Net interest margin | 3.3274% | 4,076 |
| Noninterest income to average assets | 1.5745% | 422 |
| Noninterest expense to average assets | 3.3370% | 1,309 |
| Loan and lease loss provision to assets | 0.0739% | 2,724 |
| Net operating income to assets | 1.2486% | 1,365 |
| Return on assets (ROA) | 1.2621% | 1,345 |
| Pretax return on assets | 1.3286% | 2,255 |
| Return on Equity (ROE) | 11.8880% | 1,238 |
| Retained earnings to average equity (ytd only) | -1.5731% | 5,239 |
| Net charge-offs to loans | -0.1057% | 5,384 |
| Credit loss provision to net charge-offs | -99.1736% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6182% | 2,453 |
| Assets per employee ($millions) | 3.3460% | 4,886 |
| Cash dividends to net income (ytd only)* | 113.2324% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,385 |
| Loan loss allowance to noncurrent loans | 147,200.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 4,906 |
| Noncurrent loans to loans | 0.0009% | 5,076 |
| Net loans and leases to total assets | 68.5075% | 2,749 |
| Net loans and leases to deposits | 77.3378% | 3,187 |
| Net loans and leases to core deposits | 79.1980% | 3,487 |
| Total domestic deposits to total assets | 88.5822% | 1,204 |
| Equity capital to assets | 9.8589% | 3,862 |
| Core capital (leverage) ratio | 9.7977% | 3,697 |
| Tier 1 risk-based capital ratio | 11.3455% | 4,952 |
| Total risk-based capital ratio | 12.3818% | 4,957 |
| Memoranda: | ||
| Average total assets | $162,273,800 | 3,323 |
| Average earning assets | $153,661,800 | 3,274 |
| Average equity | $17,227,400 | 3,464 |
| Average total loans | $114,443,800 | 3,123 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 3,308 |
| Cost of funding earning assets | 0.5763% | 1,702 |
| Net interest margin | 3.4362% | 3,719 |
| Noninterest income to average assets | 1.6760% | 404 |
| Noninterest expense to average assets | 3.3602% | 1,224 |
| Loan and lease loss provision to assets | 0.0745% | 2,580 |
| Net operating income to assets | 1.4210% | 1,046 |
| Return on assets (ROA) | 1.4383% | 1,026 |
| Pretax return on assets | 1.5128% | 1,730 |
| Return on Equity (ROE) | 13.3018% | 984 |
| Retained earnings to average equity (ytd only) | 9.3273% | 751 |
| Net charge-offs to loans | -0.1169% | 5,422 |
| Credit loss provision to net charge-offs | -90.0000% | 4,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1673% | 2,847 |
| Assets per employee ($millions) | 3.3328% | 4,939 |
| Cash dividends to net income (ytd only)* | 29.8790% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,686 |
| Loan loss allowance to noncurrent loans | 142,200.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 4,954 |
| Noncurrent loans to loans | 0.0009% | 5,168 |
| Net loans and leases to total assets | 70.7279% | 2,454 |
| Net loans and leases to deposits | 81.6156% | 2,816 |
| Net loans and leases to core deposits | 83.5311% | 3,174 |
| Total domestic deposits to total assets | 86.6598% | 2,016 |
| Equity capital to assets | 11.3455% | 2,527 |
| Core capital (leverage) ratio | 10.9384% | 2,515 |
| Tier 1 risk-based capital ratio | 13.0088% | 4,001 |
| Total risk-based capital ratio | 14.0596% | 4,040 |
| Memoranda: | ||
| Average total assets | $161,017,250 | 3,363 |
| Average earning assets | $152,452,000 | 3,321 |
| Average equity | $17,410,750 | 3,476 |
| Average total loans | $114,033,500 | 3,163 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9235% | 3,471 |
| Cost of funding earning assets | 0.5685% | 1,659 |
| Net interest margin | 3.3549% | 3,932 |
| Noninterest income to average assets | 1.8938% | 344 |
| Noninterest expense to average assets | 3.3650% | 1,242 |
| Loan and lease loss provision to assets | 0.0744% | 2,483 |
| Net operating income to assets | 1.5469% | 793 |
| Return on assets (ROA) | 1.5728% | 767 |
| Pretax return on assets | 1.6559% | 1,177 |
| Return on Equity (ROE) | 14.7865% | 696 |
| Retained earnings to average equity (ytd only) | 10.7782% | 473 |
| Net charge-offs to loans | -0.2108% | 5,585 |
| Credit loss provision to net charge-offs | -50.0000% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3977% | 3,286 |
| Assets per employee ($millions) | 3.3304% | 4,952 |
| Cash dividends to net income (ytd only)* | 27.1080% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,928 |
| Loan loss allowance to noncurrent loans | 205.5313% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 3,226 |
| Noncurrent loans to loans | 0.5913% | 2,957 |
| Net loans and leases to total assets | 70.3307% | 2,477 |
| Net loans and leases to deposits | 80.4173% | 2,863 |
| Net loans and leases to core deposits | 82.2493% | 3,232 |
| Total domestic deposits to total assets | 87.4571% | 1,743 |
| Equity capital to assets | 11.0159% | 2,788 |
| Core capital (leverage) ratio | 10.6964% | 2,705 |
| Tier 1 risk-based capital ratio | 13.2597% | 3,832 |
| Total risk-based capital ratio | 14.3413% | 3,858 |
| Memoranda: | ||
| Average total assets | $161,364,670 | 3,380 |
| Average earning assets | $152,670,330 | 3,334 |
| Average equity | $17,164,330 | 3,514 |
| Average total loans | $113,855,000 | 3,168 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 3,702 |
| Cost of funding earning assets | 0.5675% | 1,603 |
| Net interest margin | 3.2494% | 4,183 |
| Noninterest income to average assets | 2.2163% | 273 |
| Noninterest expense to average assets | 3.4927% | 1,054 |
| Loan and lease loss provision to assets | 0.0748% | 2,309 |
| Net operating income to assets | 1.6304% | 640 |
| Return on assets (ROA) | 1.6304% | 656 |
| Pretax return on assets | 1.7177% | 970 |
| Return on Equity (ROE) | 15.6105% | 576 |
| Retained earnings to average equity (ytd only) | 11.5050% | 533 |
| Net charge-offs to loans | -0.0390% | 5,060 |
| Credit loss provision to net charge-offs | -272.7273% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0849% | 3,483 |
| Assets per employee ($millions) | 3.1445% | 5,232 |
| Cash dividends to net income (ytd only)* | 26.2997% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 3,565 |
| Loan loss allowance to noncurrent loans | 95.2844% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 2,118 |
| Noncurrent loans to loans | 1.1783% | 1,726 |
| Net loans and leases to total assets | 69.9106% | 2,394 |
| Net loans and leases to deposits | 79.7047% | 2,784 |
| Net loans and leases to core deposits | 81.4067% | 3,148 |
| Total domestic deposits to total assets | 87.7121% | 1,883 |
| Equity capital to assets | 10.6667% | 2,994 |
| Core capital (leverage) ratio | 10.5337% | 2,864 |
| Tier 1 risk-based capital ratio | 13.0040% | 4,074 |
| Total risk-based capital ratio | 13.9856% | 4,140 |
| Memoranda: | ||
| Average total assets | $160,451,000 | 3,421 |
| Average earning assets | $151,536,000 | 3,382 |
| Average equity | $16,758,000 | 3,576 |
| Average total loans | $112,689,500 | 3,205 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 3,935 |
| Cost of funding earning assets | 0.6144% | 1,241 |
| Net interest margin | 3.1776% | 4,511 |
| Noninterest income to average assets | 1.6268% | 463 |
| Noninterest expense to average assets | 3.2894% | 1,599 |
| Loan and lease loss provision to assets | 0.0754% | 2,847 |
| Net operating income to assets | 1.2019% | 1,509 |
| Return on assets (ROA) | 1.3667% | 1,117 |
| Pretax return on assets | 1.4383% | 1,786 |
| Return on Equity (ROE) | 12.7375% | 1,061 |
| Retained earnings to average equity (ytd only) | 5.4347% | 2,057 |
| Net charge-offs to loans | -0.0028% | 4,740 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0505% | 2,736 |
| Assets per employee ($millions) | 3.4156% | 4,878 |
| Cash dividends to net income (ytd only)* | 57.3333% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,717 |
| Loan loss allowance to noncurrent loans | 111.1913% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.7319% | 2,535 |
| Noncurrent loans to loans | 0.9894% | 2,115 |
| Net loans and leases to total assets | 68.9945% | 2,622 |
| Net loans and leases to deposits | 78.5141% | 3,042 |
| Net loans and leases to core deposits | 80.3317% | 3,371 |
| Total domestic deposits to total assets | 87.8754% | 1,689 |
| Equity capital to assets | 10.2222% | 3,468 |
| Core capital (leverage) ratio | 10.1588% | 3,287 |
| Tier 1 risk-based capital ratio | 12.8748% | 4,151 |
| Total risk-based capital ratio | 13.8427% | 4,222 |
| Memoranda: | ||
| Average total assets | $159,147,600 | 3,407 |
| Average earning assets | $150,397,000 | 3,367 |
| Average equity | $17,075,600 | 3,542 |
| Average total loans | $108,693,200 | 3,227 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 4,042 |
| Cost of funding earning assets | 0.6159% | 1,236 |
| Net interest margin | 3.1452% | 4,659 |
| Noninterest income to average assets | 1.6725% | 443 |
| Noninterest expense to average assets | 3.2627% | 1,643 |
| Loan and lease loss provision to assets | 0.0756% | 2,712 |
| Net operating income to assets | 1.2450% | 1,474 |
| Return on assets (ROA) | 1.4651% | 993 |
| Pretax return on assets | 1.5415% | 1,568 |
| Return on Equity (ROE) | 13.4939% | 923 |
| Retained earnings to average equity (ytd only) | 8.6840% | 914 |
| Net charge-offs to loans | 0.0655% | 2,403 |
| Credit loss provision to net charge-offs | 169.8113% | 1,635 |
| Earnings coverage of net charge-offs (x) | 31.1343% | 1,450 |
| Efficiency ratio | 70.1951% | 2,857 |
| Assets per employee ($millions) | 3.4647% | 4,817 |
| Cash dividends to net income (ytd only)* | 35.6446% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 4,174 |
| Loan loss allowance to noncurrent loans | 163.3381% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 3,509 |
| Noncurrent loans to loans | 0.6375% | 3,104 |
| Net loans and leases to total assets | 68.2784% | 2,758 |
| Net loans and leases to deposits | 78.6070% | 3,120 |
| Net loans and leases to core deposits | 80.3055% | 3,415 |
| Total domestic deposits to total assets | 86.8605% | 1,959 |
| Equity capital to assets | 11.1361% | 2,878 |
| Core capital (leverage) ratio | 10.4051% | 3,105 |
| Tier 1 risk-based capital ratio | 13.1885% | 4,041 |
| Total risk-based capital ratio | 14.0991% | 4,166 |
| Memoranda: | ||
| Average total assets | $158,801,250 | 3,422 |
| Average earning assets | $150,237,000 | 3,382 |
| Average equity | $17,242,000 | 3,549 |
| Average total loans | $107,868,750 | 3,257 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7496% | 4,127 |
| Cost of funding earning assets | 0.6136% | 1,230 |
| Net interest margin | 3.1360% | 4,739 |
| Noninterest income to average assets | 1.8649% | 381 |
| Noninterest expense to average assets | 3.3062% | 1,580 |
| Loan and lease loss provision to assets | 0.0757% | 2,619 |
| Net operating income to assets | 1.3787% | 1,098 |
| Return on assets (ROA) | 1.5800% | 800 |
| Pretax return on assets | 1.6657% | 1,182 |
| Return on Equity (ROE) | 14.6779% | 724 |
| Retained earnings to average equity (ytd only) | 9.4065% | 741 |
| Net charge-offs to loans | 0.1922% | 1,193 |
| Credit loss provision to net charge-offs | 58.2524% | 2,600 |
| Earnings coverage of net charge-offs (x) | 11.7767% | 2,233 |
| Efficiency ratio | 68.3703% | 3,265 |
| Assets per employee ($millions) | 3.4386% | 4,854 |
| Cash dividends to net income (ytd only)* | 35.9138% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 4,502 |
| Loan loss allowance to noncurrent loans | 145.4918% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 3,556 |
| Noncurrent loans to loans | 0.6889% | 3,012 |
| Net loans and leases to total assets | 65.0839% | 3,218 |
| Net loans and leases to deposits | 74.0814% | 3,580 |
| Net loans and leases to core deposits | 76.0498% | 3,818 |
| Total domestic deposits to total assets | 87.8545% | 1,503 |
| Equity capital to assets | 11.0131% | 3,046 |
| Core capital (leverage) ratio | 10.2864% | 3,217 |
| Tier 1 risk-based capital ratio | 13.0564% | 4,170 |
| Total risk-based capital ratio | 13.9115% | 4,314 |
| Memoranda: | ||
| Average total assets | $158,610,330 | 3,448 |
| Average earning assets | $150,255,330 | 3,400 |
| Average equity | $17,073,330 | 3,582 |
| Average total loans | $107,170,670 | 3,284 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 4,253 |
| Cost of funding earning assets | 0.6103% | 1,273 |
| Net interest margin | 3.1080% | 4,836 |
| Noninterest income to average assets | 2.2380% | 296 |
| Noninterest expense to average assets | 3.4295% | 1,320 |
| Loan and lease loss provision to assets | 0.0764% | 2,429 |
| Net operating income to assets | 1.5923% | 710 |
| Return on assets (ROA) | 1.9986% | 352 |
| Pretax return on assets | 2.1030% | 461 |
| Return on Equity (ROE) | 18.7906% | 307 |
| Retained earnings to average equity (ytd only) | 14.7213% | 269 |
| Net charge-offs to loans | -0.1189% | 5,702 |
| Credit loss provision to net charge-offs | -93.7500% | 4,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1916% | 3,768 |
| Assets per employee ($millions) | 3.3750% | 5,014 |
| Cash dividends to net income (ytd only)* | 21.6561% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 4,199 |
| Loan loss allowance to noncurrent loans | 885.6061% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 5,247 |
| Noncurrent loans to loans | 0.1213% | 4,990 |
| Net loans and leases to total assets | 67.8529% | 2,668 |
| Net loans and leases to deposits | 78.2421% | 2,978 |
| Net loans and leases to core deposits | 80.0823% | 3,310 |
| Total domestic deposits to total assets | 86.7217% | 2,347 |
| Equity capital to assets | 10.7346% | 3,215 |
| Core capital (leverage) ratio | 10.2643% | 3,244 |
| Tier 1 risk-based capital ratio | 12.5857% | 4,525 |
| Total risk-based capital ratio | 13.5011% | 4,652 |
| Memoranda: | ||
| Average total assets | $157,107,500 | 3,476 |
| Average earning assets | $148,777,500 | 3,437 |
| Average equity | $16,710,500 | 3,628 |
| Average total loans | $107,630,500 | 3,285 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8274% | 3,956 |
| Cost of funding earning assets | 0.6207% | 1,231 |
| Net interest margin | 3.2067% | 4,608 |
| Noninterest income to average assets | 1.4984% | 553 |
| Noninterest expense to average assets | 3.1654% | 2,048 |
| Loan and lease loss provision to assets | 0.0781% | 2,723 |
| Net operating income to assets | 1.2355% | 1,431 |
| Return on assets (ROA) | 1.3845% | 1,113 |
| Pretax return on assets | 1.4587% | 1,685 |
| Return on Equity (ROE) | 13.3999% | 974 |
| Retained earnings to average equity (ytd only) | 7.4213% | 1,122 |
| Net charge-offs to loans | 0.1014% | 2,399 |
| Credit loss provision to net charge-offs | 111.1111% | 2,273 |
| Earnings coverage of net charge-offs (x) | 19.6296% | 1,932 |
| Efficiency ratio | 69.6406% | 3,281 |
| Assets per employee ($millions) | 3.3823% | 5,015 |
| Cash dividends to net income (ytd only)* | 44.6168% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 4,381 |
| Loan loss allowance to noncurrent loans | 479.6537% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 4,996 |
| Noncurrent loans to loans | 0.2170% | 4,644 |
| Net loans and leases to total assets | 67.7115% | 2,751 |
| Net loans and leases to deposits | 77.0110% | 3,158 |
| Net loans and leases to core deposits | 79.9859% | 3,347 |
| Total domestic deposits to total assets | 87.9245% | 1,675 |
| Equity capital to assets | 10.5362% | 3,317 |
| Core capital (leverage) ratio | 9.8716% | 3,685 |
| Tier 1 risk-based capital ratio | 11.9842% | 4,959 |
| Total risk-based capital ratio | 12.8432% | 5,105 |
| Memoranda: | ||
| Average total assets | $153,628,600 | 3,515 |
| Average earning assets | $145,974,600 | 3,460 |
| Average equity | $15,873,200 | 3,696 |
| Average total loans | $106,543,400 | 3,269 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8501% | 3,938 |
| Cost of funding earning assets | 0.6163% | 1,303 |
| Net interest margin | 3.2337% | 4,565 |
| Noninterest income to average assets | 1.5680% | 514 |
| Noninterest expense to average assets | 3.1160% | 2,181 |
| Loan and lease loss provision to assets | 0.0784% | 2,607 |
| Net operating income to assets | 1.3753% | 1,162 |
| Return on assets (ROA) | 1.5680% | 865 |
| Pretax return on assets | 1.6507% | 1,239 |
| Return on Equity (ROE) | 15.2527% | 693 |
| Retained earnings to average equity (ytd only) | 9.3329% | 783 |
| Net charge-offs to loans | -0.0350% | 5,418 |
| Credit loss provision to net charge-offs | -321.4286% | 5,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1230% | 3,683 |
| Assets per employee ($millions) | 3.3926% | 5,000 |
| Cash dividends to net income (ytd only)* | 38.8120% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 3,884 |
| Loan loss allowance to noncurrent loans | 476.0784% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 5,072 |
| Noncurrent loans to loans | 0.2432% | 4,705 |
| Net loans and leases to total assets | 69.4258% | 2,474 |
| Net loans and leases to deposits | 79.1489% | 2,972 |
| Net loans and leases to core deposits | 82.0814% | 3,241 |
| Total domestic deposits to total assets | 87.7154% | 1,697 |
| Equity capital to assets | 10.8785% | 3,155 |
| Core capital (leverage) ratio | 10.1978% | 3,374 |
| Tier 1 risk-based capital ratio | 12.7079% | 4,607 |
| Total risk-based capital ratio | 13.7109% | 4,687 |
| Memoranda: | ||
| Average total assets | $153,138,750 | 3,550 |
| Average earning assets | $145,587,000 | 3,495 |
| Average equity | $15,743,250 | 3,753 |
| Average total loans | $106,564,500 | 3,292 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 4,218 |
| Cost of funding earning assets | 0.6058% | 1,372 |
| Net interest margin | 3.1514% | 4,823 |
| Noninterest income to average assets | 1.7018% | 465 |
| Noninterest expense to average assets | 3.1536% | 2,111 |
| Loan and lease loss provision to assets | 0.0777% | 2,570 |
| Net operating income to assets | 1.3936% | 1,101 |
| Return on assets (ROA) | 1.5425% | 873 |
| Pretax return on assets | 1.6254% | 1,265 |
| Return on Equity (ROE) | 15.2908% | 697 |
| Retained earnings to average equity (ytd only) | 8.6276% | 1,034 |
| Net charge-offs to loans | -0.0504% | 5,552 |
| Credit loss provision to net charge-offs | -222.2222% | 5,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0984% | 3,813 |
| Assets per employee ($millions) | 3.4450% | 4,902 |
| Cash dividends to net income (ytd only)* | 43.5768% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 4,336 |
| Loan loss allowance to noncurrent loans | 71.4804% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.0918% | 2,327 |
| Noncurrent loans to loans | 1.5363% | 1,723 |
| Net loans and leases to total assets | 70.2872% | 2,275 |
| Net loans and leases to deposits | 80.4130% | 2,733 |
| Net loans and leases to core deposits | 83.6165% | 3,022 |
| Total domestic deposits to total assets | 87.4078% | 1,957 |
| Equity capital to assets | 10.3419% | 3,627 |
| Core capital (leverage) ratio | 9.6627% | 4,051 |
| Tier 1 risk-based capital ratio | 12.0133% | 5,139 |
| Total risk-based capital ratio | 12.9638% | 5,244 |
| Memoranda: | ||
| Average total assets | $154,426,330 | 3,559 |
| Average earning assets | $146,917,000 | 3,504 |
| Average equity | $15,578,000 | 3,800 |
| Average total loans | $107,136,000 | 3,297 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 4,525 |
| Cost of funding earning assets | 0.5860% | 1,533 |
| Net interest margin | 3.0677% | 5,033 |
| Noninterest income to average assets | 2.0712% | 353 |
| Noninterest expense to average assets | 3.2287% | 1,908 |
| Loan and lease loss provision to assets | 0.0770% | 2,414 |
| Net operating income to assets | 1.5960% | 709 |
| Return on assets (ROA) | 1.9301% | 407 |
| Pretax return on assets | 2.0327% | 552 |
| Return on Equity (ROE) | 19.3702% | 297 |
| Retained earnings to average equity (ytd only) | 10.8700% | 740 |
| Net charge-offs to loans | -0.0374% | 5,375 |
| Credit loss provision to net charge-offs | -300.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7452% | 4,358 |
| Assets per employee ($millions) | 3.3642% | 5,144 |
| Cash dividends to net income (ytd only)* | 43.8830% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 4,747 |
| Loan loss allowance to noncurrent loans | 71.8256% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 1.0229% | 2,575 |
| Noncurrent loans to loans | 1.4658% | 1,937 |
| Net loans and leases to total assets | 69.0503% | 2,280 |
| Net loans and leases to deposits | 81.8864% | 2,347 |
| Net loans and leases to core deposits | 85.1951% | 2,633 |
| Total domestic deposits to total assets | 84.3245% | 3,686 |
| Equity capital to assets | 10.2565% | 3,824 |
| Core capital (leverage) ratio | 9.5521% | 4,199 |
| Tier 1 risk-based capital ratio | 11.8966% | 5,311 |
| Total risk-based capital ratio | 12.8167% | 5,432 |
| Memoranda: | ||
| Average total assets | $155,850,500 | 3,563 |
| Average earning assets | $148,122,000 | 3,495 |
| Average equity | $15,529,000 | 3,825 |
| Average total loans | $106,842,500 | 3,321 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 4,237 |
| Cost of funding earning assets | 0.6329% | 1,529 |
| Net interest margin | 3.2392% | 4,794 |
| Noninterest income to average assets | 1.4455% | 582 |
| Noninterest expense to average assets | 3.0494% | 2,690 |
| Loan and lease loss provision to assets | 0.0665% | 3,167 |
| Net operating income to assets | 1.3212% | 1,264 |
| Return on assets (ROA) | 1.3604% | 1,207 |
| Pretax return on assets | 1.4315% | 1,780 |
| Return on Equity (ROE) | 14.2095% | 901 |
| Retained earnings to average equity (ytd only) | 6.9762% | 1,420 |
| Net charge-offs to loans | 0.0824% | 3,323 |
| Credit loss provision to net charge-offs | 123.4568% | 1,940 |
| Earnings coverage of net charge-offs (x) | 27.0370% | 1,445 |
| Efficiency ratio | 67.6705% | 3,949 |
| Assets per employee ($millions) | 3.6500% | 4,627 |
| Cash dividends to net income (ytd only)* | 50.9046% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 4,868 |
| Loan loss allowance to noncurrent loans | 70.3466% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 0.9927% | 2,768 |
| Noncurrent loans to loans | 1.4741% | 1,990 |
| Net loans and leases to total assets | 66.6429% | 2,783 |
| Net loans and leases to deposits | 78.6744% | 2,884 |
| Net loans and leases to core deposits | 82.5358% | 3,042 |
| Total domestic deposits to total assets | 84.7072% | 3,414 |
| Equity capital to assets | 9.6757% | 4,502 |
| Core capital (leverage) ratio | 9.3730% | 4,437 |
| Tier 1 risk-based capital ratio | 11.7256% | 5,531 |
| Total risk-based capital ratio | 12.6255% | 5,650 |
| Memoranda: | ||
| Average total assets | $150,326,600 | 3,630 |
| Average earning assets | $142,040,400 | 3,564 |
| Average equity | $14,391,800 | 3,960 |
| Average total loans | $98,249,600 | 3,460 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 4,207 |
| Cost of funding earning assets | 0.6416% | 1,517 |
| Net interest margin | 3.2487% | 4,794 |
| Noninterest income to average assets | 1.5156% | 545 |
| Noninterest expense to average assets | 3.0052% | 2,786 |
| Loan and lease loss provision to assets | 0.0673% | 3,002 |
| Net operating income to assets | 1.4332% | 1,067 |
| Return on assets (ROA) | 1.4860% | 995 |
| Pretax return on assets | 1.5640% | 1,447 |
| Return on Equity (ROE) | 15.5657% | 738 |
| Retained earnings to average equity (ytd only) | 9.0275% | 992 |
| Net charge-offs to loans | 0.0526% | 3,463 |
| Credit loss provision to net charge-offs | 197.3684% | 1,280 |
| Earnings coverage of net charge-offs (x) | 46.2327% | 1,030 |
| Efficiency ratio | 65.6030% | 4,273 |
| Assets per employee ($millions) | 3.4422% | 4,971 |
| Cash dividends to net income (ytd only)* | 42.0037% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 4,402 |
| Loan loss allowance to noncurrent loans | 54.9039% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 2,254 |
| Noncurrent loans to loans | 2.1240% | 1,467 |
| Net loans and leases to total assets | 63.7872% | 3,211 |
| Net loans and leases to deposits | 73.6947% | 3,469 |
| Net loans and leases to core deposits | 77.1962% | 3,616 |
| Total domestic deposits to total assets | 86.5560% | 2,554 |
| Equity capital to assets | 10.1531% | 3,988 |
| Core capital (leverage) ratio | 9.6496% | 4,151 |
| Tier 1 risk-based capital ratio | 12.6609% | 5,060 |
| Total risk-based capital ratio | 13.6515% | 5,157 |
| Memoranda: | ||
| Average total assets | $148,670,750 | 3,682 |
| Average earning assets | $140,278,500 | 3,627 |
| Average equity | $14,193,250 | 4,018 |
| Average total loans | $96,389,000 | 3,517 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 4,167 |
| Cost of funding earning assets | 0.6457% | 1,543 |
| Net interest margin | 3.2458% | 4,797 |
| Noninterest income to average assets | 1.6898% | 453 |
| Noninterest expense to average assets | 2.9848% | 2,891 |
| Loan and lease loss provision to assets | 0.0672% | 2,923 |
| Net operating income to assets | 1.6121% | 687 |
| Return on assets (ROA) | 1.6912% | 616 |
| Pretax return on assets | 1.7798% | 879 |
| Return on Equity (ROE) | 18.0956% | 451 |
| Retained earnings to average equity (ytd only) | 10.7510% | 575 |
| Net charge-offs to loans | 0.0372% | 3,475 |
| Credit loss provision to net charge-offs | 277.7778% | 912 |
| Earnings coverage of net charge-offs (x) | 72.9444% | 713 |
| Efficiency ratio | 62.8571% | 4,884 |
| Assets per employee ($millions) | 3.4804% | 4,887 |
| Cash dividends to net income (ytd only)* | 40.5878% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 4,519 |
| Loan loss allowance to noncurrent loans | 336.0606% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 5,447 |
| Noncurrent loans to loans | 0.3510% | 4,949 |
| Net loans and leases to total assets | 62.0820% | 3,388 |
| Net loans and leases to deposits | 69.6205% | 3,869 |
| Net loans and leases to core deposits | 72.7935% | 3,969 |
| Total domestic deposits to total assets | 89.1719% | 1,267 |
| Equity capital to assets | 9.7697% | 4,406 |
| Core capital (leverage) ratio | 9.2020% | 4,734 |
| Tier 1 risk-based capital ratio | 12.6010% | 5,153 |
| Total risk-based capital ratio | 13.5974% | 5,254 |
| Memoranda: | ||
| Average total assets | $148,889,670 | 3,693 |
| Average earning assets | $140,306,330 | 3,642 |
| Average equity | $13,915,000 | 4,059 |
| Average total loans | $96,676,000 | 3,526 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9326% | 3,958 |
| Cost of funding earning assets | 0.6411% | 1,640 |
| Net interest margin | 3.2916% | 4,580 |
| Noninterest income to average assets | 2.1009% | 308 |
| Noninterest expense to average assets | 3.1433% | 2,395 |
| Loan and lease loss provision to assets | 0.0673% | 2,781 |
| Net operating income to assets | 1.8747% | 421 |
| Return on assets (ROA) | 1.8747% | 442 |
| Pretax return on assets | 1.9743% | 560 |
| Return on Equity (ROE) | 20.5279% | 262 |
| Retained earnings to average equity (ytd only) | 10.7949% | 786 |
| Net charge-offs to loans | 0.0122% | 3,363 |
| Credit loss provision to net charge-offs | 833.3333% | 359 |
| Earnings coverage of net charge-offs (x) | 252.6667% | 189 |
| Efficiency ratio | 60.6234% | 5,317 |
| Assets per employee ($millions) | 3.4845% | 4,954 |
| Cash dividends to net income (ytd only)* | 47.4138% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 4,876 |
| Loan loss allowance to noncurrent loans | 1,408.9744% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 6,118 |
| Noncurrent loans to loans | 0.0816% | 5,896 |
| Net loans and leases to total assets | 63.0538% | 3,065 |
| Net loans and leases to deposits | 70.3517% | 3,554 |
| Net loans and leases to core deposits | 71.7123% | 3,899 |
| Total domestic deposits to total assets | 89.6265% | 1,296 |
| Equity capital to assets | 9.2869% | 4,774 |
| Core capital (leverage) ratio | 9.3617% | 4,490 |
| Tier 1 risk-based capital ratio | 11.9246% | 5,692 |
| Total risk-based capital ratio | 12.8851% | 5,790 |
| Memoranda: | ||
| Average total assets | $148,506,000 | 3,723 |
| Average earning assets | $139,143,500 | 3,684 |
| Average equity | $13,562,000 | 4,138 |
| Average total loans | $98,004,500 | 3,514 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 4,451 |
| Cost of funding earning assets | 0.7243% | 1,653 |
| Net interest margin | 3.1792% | 5,063 |
| Noninterest income to average assets | 1.5604% | 589 |
| Noninterest expense to average assets | 3.0656% | 2,847 |
| Loan and lease loss provision to assets | 0.0718% | 3,679 |
| Net operating income to assets | 1.3551% | 1,123 |
| Return on assets (ROA) | 1.3551% | 1,167 |
| Pretax return on assets | 1.4255% | 1,701 |
| Return on Equity (ROE) | 14.2085% | 903 |
| Retained earnings to average equity (ytd only) | 6.2689% | 1,810 |
| Net charge-offs to loans | 0.0367% | 4,713 |
| Credit loss provision to net charge-offs | 303.0303% | 753 |
| Earnings coverage of net charge-offs (x) | 63.2121% | 658 |
| Efficiency ratio | 67.1858% | 4,343 |
| Assets per employee ($millions) | 3.5897% | 4,707 |
| Cash dividends to net income (ytd only)* | 55.8792% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 5,268 |
| Loan loss allowance to noncurrent loans | 525.3659% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 5,900 |
| Noncurrent loans to loans | 0.2041% | 5,578 |
| Net loans and leases to total assets | 67.5081% | 2,435 |
| Net loans and leases to deposits | 75.5998% | 3,007 |
| Net loans and leases to core deposits | 77.2653% | 3,456 |
| Total domestic deposits to total assets | 89.2966% | 1,432 |
| Equity capital to assets | 8.9748% | 5,063 |
| Core capital (leverage) ratio | 9.2931% | 4,564 |
| Tier 1 risk-based capital ratio | 11.8133% | 5,731 |
| Total risk-based capital ratio | 12.7716% | 5,836 |
| Memoranda: | ||
| Average total assets | $139,320,400 | 3,889 |
| Average earning assets | $131,574,600 | 3,809 |
| Average equity | $13,287,800 | 4,206 |
| Average total loans | $89,868,800 | 3,696 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8966% | 4,511 |
| Cost of funding earning assets | 0.7413% | 1,658 |
| Net interest margin | 3.1553% | 5,131 |
| Noninterest income to average assets | 1.6531% | 543 |
| Noninterest expense to average assets | 3.0907% | 2,687 |
| Loan and lease loss provision to assets | 0.0728% | 3,602 |
| Net operating income to assets | 1.3988% | 1,104 |
| Return on assets (ROA) | 1.3988% | 1,152 |
| Pretax return on assets | 1.4725% | 1,692 |
| Return on Equity (ROE) | 14.4376% | 902 |
| Retained earnings to average equity (ytd only) | 7.3741% | 1,698 |
| Net charge-offs to loans | 0.0336% | 4,458 |
| Credit loss provision to net charge-offs | 340.9091% | 757 |
| Earnings coverage of net charge-offs (x) | 72.3699% | 646 |
| Efficiency ratio | 66.6667% | 4,360 |
| Assets per employee ($millions) | 3.6986% | 4,453 |
| Cash dividends to net income (ytd only)* | 48.9244% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 5,072 |
| Loan loss allowance to noncurrent loans | 1,095.8763% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 6,236 |
| Noncurrent loans to loans | 0.1058% | 6,017 |
| Net loans and leases to total assets | 64.4569% | 2,926 |
| Net loans and leases to deposits | 72.6047% | 3,445 |
| Net loans and leases to core deposits | 74.1158% | 3,831 |
| Total domestic deposits to total assets | 88.7780% | 1,678 |
| Equity capital to assets | 9.4368% | 4,632 |
| Core capital (leverage) ratio | 9.3640% | 4,588 |
| Tier 1 risk-based capital ratio | 12.3053% | 5,567 |
| Total risk-based capital ratio | 13.2979% | 5,692 |
| Memoranda: | ||
| Average total assets | $137,356,000 | 3,969 |
| Average earning assets | $129,854,250 | 3,886 |
| Average equity | $13,307,500 | 4,248 |
| Average total loans | $87,227,500 | 3,781 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8444% | 4,671 |
| Cost of funding earning assets | 0.7515% | 1,698 |
| Net interest margin | 3.0929% | 5,287 |
| Noninterest income to average assets | 1.8666% | 491 |
| Noninterest expense to average assets | 3.1007% | 2,660 |
| Loan and lease loss provision to assets | 0.0734% | 3,573 |
| Net operating income to assets | 1.5335% | 844 |
| Return on assets (ROA) | 1.5335% | 911 |
| Pretax return on assets | 1.6156% | 1,319 |
| Return on Equity (ROE) | 15.6879% | 705 |
| Retained earnings to average equity (ytd only) | 7.9566% | 1,504 |
| Net charge-offs to loans | 0.0443% | 4,063 |
| Credit loss provision to net charge-offs | 263.1579% | 957 |
| Earnings coverage of net charge-offs (x) | 60.5789% | 697 |
| Efficiency ratio | 64.7365% | 4,750 |
| Assets per employee ($millions) | 3.5704% | 4,704 |
| Cash dividends to net income (ytd only)* | 49.2823% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 5,060 |
| Loan loss allowance to noncurrent loans | 264.8855% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 5,638 |
| Noncurrent loans to loans | 0.4479% | 5,142 |
| Net loans and leases to total assets | 62.2632% | 3,240 |
| Net loans and leases to deposits | 69.7055% | 3,759 |
| Net loans and leases to core deposits | 71.3666% | 4,128 |
| Total domestic deposits to total assets | 89.3232% | 1,431 |
| Equity capital to assets | 9.2082% | 4,983 |
| Core capital (leverage) ratio | 9.3434% | 4,481 |
| Tier 1 risk-based capital ratio | 12.0955% | 5,736 |
| Total risk-based capital ratio | 13.0660% | 5,855 |
| Memoranda: | ||
| Average total assets | $136,293,000 | 4,016 |
| Average earning assets | $128,810,330 | 3,926 |
| Average equity | $13,322,330 | 4,277 |
| Average total loans | $85,752,000 | 3,828 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8526% | 4,642 |
| Cost of funding earning assets | 0.7529% | 1,827 |
| Net interest margin | 3.0997% | 5,262 |
| Noninterest income to average assets | 2.4003% | 336 |
| Noninterest expense to average assets | 3.0975% | 2,685 |
| Loan and lease loss provision to assets | 0.0742% | 3,390 |
| Net operating income to assets | 2.0413% | 320 |
| Return on assets (ROA) | 2.0413% | 351 |
| Pretax return on assets | 2.1481% | 455 |
| Return on Equity (ROE) | 20.2763% | 274 |
| Retained earnings to average equity (ytd only) | 10.5507% | 973 |
| Net charge-offs to loans | 0.0755% | 3,090 |
| Credit loss provision to net charge-offs | 156.2500% | 1,319 |
| Earnings coverage of net charge-offs (x) | 46.8125% | 705 |
| Efficiency ratio | 58.2264% | 5,820 |
| Assets per employee ($millions) | 3.2221% | 5,586 |
| Cash dividends to net income (ytd only)* | 47.9651% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 5,145 |
| Loan loss allowance to noncurrent loans | 1,072.6316% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 6,394 |
| Noncurrent loans to loans | 0.1127% | 6,140 |
| Net loans and leases to total assets | 61.5524% | 3,156 |
| Net loans and leases to deposits | 69.7858% | 3,517 |
| Net loans and leases to core deposits | 72.0027% | 3,814 |
| Total domestic deposits to total assets | 88.2019% | 2,194 |
| Equity capital to assets | 10.1295% | 3,976 |
| Core capital (leverage) ratio | 9.6294% | 3,872 |
| Tier 1 risk-based capital ratio | 12.6144% | 5,507 |
| Total risk-based capital ratio | 13.6186% | 5,617 |
| Memoranda: | ||
| Average total assets | $134,816,500 | 4,086 |
| Average earning assets | $126,980,500 | 4,001 |
| Average equity | $13,572,500 | 4,272 |
| Average total loans | $84,758,000 | 3,876 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 4,347 |
| Cost of funding earning assets | 0.8786% | 2,076 |
| Net interest margin | 3.3851% | 4,939 |
| Noninterest income to average assets | 1.8345% | 497 |
| Noninterest expense to average assets | 3.1305% | 2,845 |
| Loan and lease loss provision to assets | 0.3220% | 2,116 |
| Net operating income to assets | 1.4841% | 949 |
| Return on assets (ROA) | 1.4650% | 1,091 |
| Pretax return on assets | 1.5407% | 1,556 |
| Return on Equity (ROE) | 13.8088% | 1,029 |
| Retained earnings to average equity (ytd only) | 5.6222% | 2,298 |
| Net charge-offs to loans | 0.6087% | 1,916 |
| Credit loss provision to net charge-offs | 77.9727% | 3,894 |
| Earnings coverage of net charge-offs (x) | 4.5595% | 3,328 |
| Efficiency ratio | 62.4438% | 5,176 |
| Assets per employee ($millions) | 3.5344% | 4,945 |
| Cash dividends to net income (ytd only)* | 59.2857% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 5,182 |
| Loan loss allowance to noncurrent loans | 126.8844% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.5927% | 4,997 |
| Noncurrent loans to loans | 0.9343% | 4,325 |
| Net loans and leases to total assets | 62.6852% | 3,122 |
| Net loans and leases to deposits | 70.9769% | 3,565 |
| Net loans and leases to core deposits | 73.2463% | 3,883 |
| Total domestic deposits to total assets | 88.3177% | 2,015 |
| Equity capital to assets | 10.0048% | 4,157 |
| Core capital (leverage) ratio | 9.5563% | 4,026 |
| Tier 1 risk-based capital ratio | 11.7220% | 5,941 |
| Total risk-based capital ratio | 12.6735% | 6,123 |
| Memoranda: | ||
| Average total assets | $124,230,200 | 4,267 |
| Average earning assets | $116,656,600 | 4,194 |
| Average equity | $13,180,000 | 4,321 |
| Average total loans | $84,281,200 | 3,897 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 4,246 |
| Cost of funding earning assets | 0.9174% | 2,059 |
| Net interest margin | 3.4338% | 4,906 |
| Noninterest income to average assets | 1.9685% | 429 |
| Noninterest expense to average assets | 3.1429% | 2,745 |
| Loan and lease loss provision to assets | 0.3834% | 1,684 |
| Net operating income to assets | 1.5812% | 891 |
| Return on assets (ROA) | 1.5479% | 1,053 |
| Pretax return on assets | 1.6300% | 1,476 |
| Return on Equity (ROE) | 14.3640% | 1,032 |
| Retained earnings to average equity (ytd only) | 8.4680% | 1,419 |
| Net charge-offs to loans | 0.8011% | 1,370 |
| Credit loss provision to net charge-offs | 69.3069% | 3,925 |
| Earnings coverage of net charge-offs (x) | 3.7029% | 3,548 |
| Efficiency ratio | 60.5402% | 5,403 |
| Assets per employee ($millions) | 3.1939% | 5,646 |
| Cash dividends to net income (ytd only)* | 41.0473% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 5,474 |
| Loan loss allowance to noncurrent loans | 96.7066% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 4,694 |
| Noncurrent loans to loans | 1.1998% | 4,050 |
| Net loans and leases to total assets | 66.2679% | 2,606 |
| Net loans and leases to deposits | 75.8772% | 3,002 |
| Net loans and leases to core deposits | 78.0880% | 3,449 |
| Total domestic deposits to total assets | 87.3358% | 2,472 |
| Equity capital to assets | 10.9502% | 3,330 |
| Core capital (leverage) ratio | 10.0596% | 3,459 |
| Tier 1 risk-based capital ratio | 12.7605% | 5,432 |
| Total risk-based capital ratio | 13.7468% | 5,608 |
| Memoranda: | ||
| Average total assets | $121,711,250 | 4,361 |
| Average earning assets | $114,234,750 | 4,282 |
| Average equity | $13,115,750 | 4,377 |
| Average total loans | $84,051,500 | 3,952 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 4,149 |
| Cost of funding earning assets | 0.9561% | 2,028 |
| Net interest margin | 3.4531% | 4,867 |
| Noninterest income to average assets | 2.0901% | 376 |
| Noninterest expense to average assets | 3.1699% | 2,687 |
| Loan and lease loss provision to assets | 0.4969% | 1,281 |
| Net operating income to assets | 1.5765% | 875 |
| Return on assets (ROA) | 1.5419% | 1,041 |
| Pretax return on assets | 1.6230% | 1,482 |
| Return on Equity (ROE) | 14.3884% | 1,032 |
| Retained earnings to average equity (ytd only) | 8.4228% | 1,474 |
| Net charge-offs to loans | 1.2680% | 848 |
| Credit loss provision to net charge-offs | 56.1798% | 3,900 |
| Earnings coverage of net charge-offs (x) | 2.4382% | 3,782 |
| Efficiency ratio | 59.5149% | 5,653 |
| Assets per employee ($millions) | 3.2549% | 5,546 |
| Cash dividends to net income (ytd only)* | 41.4608% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 5,905 |
| Loan loss allowance to noncurrent loans | 64.4203% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2515% | 3,917 |
| Noncurrent loans to loans | 1.6561% | 3,417 |
| Net loans and leases to total assets | 66.6500% | 2,540 |
| Net loans and leases to deposits | 76.0821% | 2,979 |
| Net loans and leases to core deposits | 78.6067% | 3,432 |
| Total domestic deposits to total assets | 87.6027% | 2,397 |
| Equity capital to assets | 10.6558% | 3,505 |
| Core capital (leverage) ratio | 9.9079% | 3,559 |
| Tier 1 risk-based capital ratio | 12.2045% | 5,793 |
| Total risk-based capital ratio | 13.0904% | 6,003 |
| Memoranda: | ||
| Average total assets | $120,760,330 | 4,408 |
| Average earning assets | $113,173,330 | 4,333 |
| Average equity | $12,941,000 | 4,404 |
| Average total loans | $84,230,330 | 3,963 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 3,806 |
| Cost of funding earning assets | 0.9634% | 2,209 |
| Net interest margin | 3.5635% | 4,428 |
| Noninterest income to average assets | 2.6019% | 290 |
| Noninterest expense to average assets | 3.3128% | 2,250 |
| Loan and lease loss provision to assets | 0.1676% | 3,297 |
| Net operating income to assets | 2.3370% | 228 |
| Return on assets (ROA) | 2.3370% | 277 |
| Pretax return on assets | 2.4577% | 355 |
| Return on Equity (ROE) | 21.7447% | 284 |
| Retained earnings to average equity (ytd only) | 15.7236% | 385 |
| Net charge-offs to loans | -0.0142% | 6,060 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7877% | 6,146 |
| Assets per employee ($millions) | 2.9386% | 6,272 |
| Cash dividends to net income (ytd only)* | 27.6901% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 4,661 |
| Loan loss allowance to noncurrent loans | 55.9733% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.7438% | 3,245 |
| Noncurrent loans to loans | 2.4815% | 2,629 |
| Net loans and leases to total assets | 69.2961% | 1,887 |
| Net loans and leases to deposits | 79.4613% | 2,279 |
| Net loans and leases to core deposits | 81.7592% | 2,863 |
| Total domestic deposits to total assets | 87.2073% | 2,821 |
| Equity capital to assets | 10.8372% | 3,096 |
| Core capital (leverage) ratio | 10.5045% | 2,744 |
| Tier 1 risk-based capital ratio | 12.7229% | 5,421 |
| Total risk-based capital ratio | 13.9487% | 5,405 |
| Memoranda: | ||
| Average total assets | $119,296,500 | 4,465 |
| Average earning assets | $111,686,500 | 4,395 |
| Average equity | $12,821,500 | 4,434 |
| Average total loans | $84,682,000 | 3,986 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 2,870 |
| Cost of funding earning assets | 1.2702% | 1,623 |
| Net interest margin | 3.7318% | 4,149 |
| Noninterest income to average assets | 1.6753% | 500 |
| Noninterest expense to average assets | 3.2021% | 2,858 |
| Loan and lease loss provision to assets | 0.3336% | 3,025 |
| Net operating income to assets | 1.5376% | 769 |
| Return on assets (ROA) | 1.4877% | 924 |
| Pretax return on assets | 1.5660% | 1,288 |
| Return on Equity (ROE) | 14.5168% | 826 |
| Retained earnings to average equity (ytd only) | 5.6472% | 2,210 |
| Net charge-offs to loans | 0.4588% | 3,148 |
| Credit loss provision to net charge-offs | 103.0928% | 3,357 |
| Earnings coverage of net charge-offs (x) | 6.0335% | 2,614 |
| Efficiency ratio | 62.1259% | 5,439 |
| Assets per employee ($millions) | 3.0285% | 6,024 |
| Cash dividends to net income (ytd only)* | 61.0987% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 4,777 |
| Loan loss allowance to noncurrent loans | 77.3416% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.2294% | 4,179 |
| Noncurrent loans to loans | 1.7143% | 3,590 |
| Net loans and leases to total assets | 70.7603% | 1,872 |
| Net loans and leases to deposits | 80.9655% | 2,366 |
| Net loans and leases to core deposits | 84.1633% | 2,872 |
| Total domestic deposits to total assets | 87.3956% | 2,529 |
| Equity capital to assets | 10.6562% | 3,355 |
| Core capital (leverage) ratio | 9.6495% | 3,803 |
| Tier 1 risk-based capital ratio | 12.4554% | 5,488 |
| Total risk-based capital ratio | 13.6507% | 5,508 |
| Memoranda: | ||
| Average total assets | $119,920,400 | 4,403 |
| Average earning assets | $111,797,000 | 4,340 |
| Average equity | $12,289,200 | 4,485 |
| Average total loans | $84,567,200 | 4,011 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 2,793 |
| Cost of funding earning assets | 1.3330% | 1,540 |
| Net interest margin | 3.7293% | 4,207 |
| Noninterest income to average assets | 1.7246% | 470 |
| Noninterest expense to average assets | 3.1756% | 2,899 |
| Loan and lease loss provision to assets | 0.0831% | 5,402 |
| Net operating income to assets | 1.8459% | 476 |
| Return on assets (ROA) | 1.8354% | 525 |
| Pretax return on assets | 1.9317% | 728 |
| Return on Equity (ROE) | 18.0866% | 448 |
| Retained earnings to average equity (ytd only) | 9.8456% | 883 |
| Net charge-offs to loans | 0.1877% | 4,299 |
| Credit loss provision to net charge-offs | 63.0252% | 4,707 |
| Earnings coverage of net charge-offs (x) | 15.3700% | 1,470 |
| Efficiency ratio | 61.0520% | 5,552 |
| Assets per employee ($millions) | 3.1866% | 5,715 |
| Cash dividends to net income (ytd only)* | 45.5642% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 5,056 |
| Loan loss allowance to noncurrent loans | 59.6089% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.4782% | 3,903 |
| Noncurrent loans to loans | 2.1634% | 3,160 |
| Net loans and leases to total assets | 67.4479% | 2,584 |
| Net loans and leases to deposits | 77.6901% | 3,049 |
| Net loans and leases to core deposits | 84.0086% | 3,068 |
| Total domestic deposits to total assets | 86.8166% | 2,763 |
| Equity capital to assets | 10.5474% | 3,647 |
| Core capital (leverage) ratio | 10.0320% | 3,391 |
| Tier 1 risk-based capital ratio | 12.7495% | 5,294 |
| Total risk-based capital ratio | 13.8917% | 5,361 |
| Memoranda: | ||
| Average total assets | $120,373,000 | 4,417 |
| Average earning assets | $112,226,750 | 4,352 |
| Average equity | $12,215,000 | 4,511 |
| Average total loans | $84,534,500 | 4,044 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0490% | 2,934 |
| Cost of funding earning assets | 1.2895% | 2,008 |
| Net interest margin | 3.7595% | 3,990 |
| Noninterest income to average assets | 1.7997% | 419 |
| Noninterest expense to average assets | 3.0849% | 3,307 |
| Loan and lease loss provision to assets | 0.0832% | 5,270 |
| Net operating income to assets | 2.0298% | 330 |
| Return on assets (ROA) | 1.7847% | 557 |
| Pretax return on assets | 1.8779% | 747 |
| Return on Equity (ROE) | 17.8231% | 475 |
| Retained earnings to average equity (ytd only) | 11.3390% | 615 |
| Net charge-offs to loans | -0.0117% | 6,719 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1607% | 6,139 |
| Assets per employee ($millions) | 3.1313% | 5,800 |
| Cash dividends to net income (ytd only)* | 36.3806% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 4,570 |
| Loan loss allowance to noncurrent loans | 53.7080% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 1.8245% | 3,476 |
| Noncurrent loans to loans | 2.6057% | 2,770 |
| Net loans and leases to total assets | 69.0417% | 2,404 |
| Net loans and leases to deposits | 79.8864% | 2,818 |
| Net loans and leases to core deposits | 86.5614% | 2,816 |
| Total domestic deposits to total assets | 86.4248% | 3,087 |
| Equity capital to assets | 10.5430% | 3,457 |
| Core capital (leverage) ratio | 9.6678% | 3,707 |
| Tier 1 risk-based capital ratio | 12.7158% | 5,163 |
| Total risk-based capital ratio | 13.9765% | 5,129 |
| Memoranda: | ||
| Average total assets | $120,133,330 | 4,448 |
| Average earning assets | $111,983,330 | 4,384 |
| Average equity | $12,029,330 | 4,551 |
| Average total loans | $85,132,330 | 4,065 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 2,981 |
| Cost of funding earning assets | 1.3121% | 2,116 |
| Net interest margin | 3.7130% | 4,031 |
| Noninterest income to average assets | 2.2866% | 303 |
| Noninterest expense to average assets | 3.1448% | 3,092 |
| Loan and lease loss provision to assets | 0.0828% | 4,963 |
| Net operating income to assets | 2.4025% | 197 |
| Return on assets (ROA) | 2.4025% | 205 |
| Pretax return on assets | 2.5285% | 243 |
| Return on Equity (ROE) | 24.6358% | 177 |
| Retained earnings to average equity (ytd only) | 18.1795% | 232 |
| Net charge-offs to loans | -0.1069% | 7,107 |
| Credit loss provision to net charge-offs | -108.6957% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6344% | 6,634 |
| Assets per employee ($millions) | 3.0261% | 6,103 |
| Cash dividends to net income (ytd only)* | 26.2069% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 5,095 |
| Loan loss allowance to noncurrent loans | 51.8105% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 1.8481% | 3,496 |
| Noncurrent loans to loans | 2.5228% | 2,959 |
| Net loans and leases to total assets | 72.2993% | 1,660 |
| Net loans and leases to deposits | 83.2848% | 2,137 |
| Net loans and leases to core deposits | 88.9641% | 2,486 |
| Total domestic deposits to total assets | 86.8098% | 3,050 |
| Equity capital to assets | 9.9600% | 3,826 |
| Core capital (leverage) ratio | 9.6221% | 3,631 |
| Tier 1 risk-based capital ratio | 11.6436% | 5,986 |
| Total risk-based capital ratio | 12.8127% | 6,039 |
| Memoranda: | ||
| Average total assets | $120,705,500 | 4,456 |
| Average earning assets | $112,792,000 | 4,388 |
| Average equity | $11,771,500 | 4,607 |
| Average total loans | $86,039,500 | 4,080 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 3,112 |
| Cost of funding earning assets | 1.4805% | 2,757 |
| Net interest margin | 3.8241% | 3,844 |
| Noninterest income to average assets | 1.5516% | 610 |
| Noninterest expense to average assets | 3.1461% | 3,289 |
| Loan and lease loss provision to assets | 0.0877% | 6,276 |
| Net operating income to assets | 1.4455% | 864 |
| Return on assets (ROA) | 1.4122% | 992 |
| Pretax return on assets | 1.8514% | 684 |
| Return on Equity (ROE) | 14.5565% | 783 |
| Retained earnings to average equity (ytd only) | 7.1021% | 1,280 |
| Net charge-offs to loans | -0.0188% | 7,365 |
| Credit loss provision to net charge-offs | -625.0000% | 7,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3399% | 5,840 |
| Assets per employee ($millions) | 3.0863% | 5,907 |
| Cash dividends to net income (ytd only)* | 51.2104% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 4,843 |
| Loan loss allowance to noncurrent loans | 49.7760% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.0197% | 3,326 |
| Noncurrent loans to loans | 2.6761% | 2,842 |
| Net loans and leases to total assets | 68.3701% | 2,890 |
| Net loans and leases to deposits | 78.7150% | 3,386 |
| Net loans and leases to core deposits | 83.5118% | 3,662 |
| Total domestic deposits to total assets | 86.8577% | 2,904 |
| Equity capital to assets | 9.5433% | 4,347 |
| Core capital (leverage) ratio | 9.1814% | 4,204 |
| Tier 1 risk-based capital ratio | 10.6714% | 6,592 |
| Total risk-based capital ratio | 11.7485% | 6,682 |
| Memoranda: | ||
| Average total assets | $114,076,800 | 4,609 |
| Average earning assets | $106,717,600 | 4,540 |
| Average equity | $11,067,200 | 4,845 |
| Average total loans | $85,048,200 | 4,181 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4011% | 2,877 |
| Cost of funding earning assets | 1.5112% | 2,907 |
| Net interest margin | 3.8900% | 3,574 |
| Noninterest income to average assets | 1.5691% | 567 |
| Noninterest expense to average assets | 3.1275% | 3,203 |
| Loan and lease loss provision to assets | 0.0889% | 6,158 |
| Net operating income to assets | 1.4073% | 1,090 |
| Return on assets (ROA) | 1.3652% | 1,262 |
| Pretax return on assets | 1.9329% | 723 |
| Return on Equity (ROE) | 14.0114% | 1,033 |
| Retained earnings to average equity (ytd only) | 8.4165% | 1,271 |
| Net charge-offs to loans | -0.0530% | 7,479 |
| Credit loss provision to net charge-offs | -220.5882% | 6,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0455% | 5,946 |
| Assets per employee ($millions) | 2.9916% | 6,167 |
| Cash dividends to net income (ytd only)* | 39.9307% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 5,043 |
| Loan loss allowance to noncurrent loans | 42.4837% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 2.3399% | 3,038 |
| Noncurrent loans to loans | 3.0246% | 2,637 |
| Net loans and leases to total assets | 74.6732% | 1,643 |
| Net loans and leases to deposits | 87.2062% | 2,124 |
| Net loans and leases to core deposits | 91.7482% | 2,843 |
| Total domestic deposits to total assets | 85.6283% | 3,279 |
| Equity capital to assets | 10.2030% | 3,882 |
| Core capital (leverage) ratio | 9.6296% | 3,716 |
| Tier 1 risk-based capital ratio | 11.3232% | 6,079 |
| Total risk-based capital ratio | 12.4695% | 6,167 |
| Memoranda: | ||
| Average total assets | $112,504,250 | 4,705 |
| Average earning assets | $105,259,250 | 4,635 |
| Average equity | $10,962,250 | 4,935 |
| Average total loans | $85,458,750 | 4,244 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4304% | 2,840 |
| Cost of funding earning assets | 1.5201% | 3,132 |
| Net interest margin | 3.9102% | 3,399 |
| Noninterest income to average assets | 1.7839% | 421 |
| Noninterest expense to average assets | 3.1790% | 2,977 |
| Loan and lease loss provision to assets | 0.0892% | 6,032 |
| Net operating income to assets | 1.3165% | 1,263 |
| Return on assets (ROA) | 1.2595% | 1,474 |
| Pretax return on assets | 2.0747% | 515 |
| Return on Equity (ROE) | 13.1349% | 1,206 |
| Retained earnings to average equity (ytd only) | 8.2977% | 1,336 |
| Net charge-offs to loans | -0.0446% | 7,431 |
| Credit loss provision to net charge-offs | -263.1579% | 6,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5222% | 6,303 |
| Assets per employee ($millions) | 3.1057% | 5,908 |
| Cash dividends to net income (ytd only)* | 36.8272% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 5,211 |
| Loan loss allowance to noncurrent loans | 39.8055% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 2.3775% | 3,034 |
| Noncurrent loans to loans | 3.1285% | 2,568 |
| Net loans and leases to total assets | 73.4273% | 2,052 |
| Net loans and leases to deposits | 84.7166% | 2,751 |
| Net loans and leases to core deposits | 88.5633% | 3,472 |
| Total domestic deposits to total assets | 86.6740% | 2,719 |
| Equity capital to assets | 9.7101% | 4,394 |
| Core capital (leverage) ratio | 9.3183% | 4,084 |
| Tier 1 risk-based capital ratio | 11.0220% | 6,217 |
| Total risk-based capital ratio | 12.1213% | 6,368 |
| Memoranda: | ||
| Average total assets | $112,111,670 | 4,746 |
| Average earning assets | $104,597,000 | 4,675 |
| Average equity | $10,750,000 | 4,988 |
| Average total loans | $85,280,000 | 4,282 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5269% | 2,471 |
| Cost of funding earning assets | 1.4950% | 3,594 |
| Net interest margin | 4.0319% | 2,735 |
| Noninterest income to average assets | 2.2726% | 284 |
| Noninterest expense to average assets | 3.3384% | 2,400 |
| Loan and lease loss provision to assets | 0.0903% | 5,730 |
| Net operating income to assets | 1.0369% | 2,044 |
| Return on assets (ROA) | 1.0369% | 2,105 |
| Pretax return on assets | 2.6050% | 211 |
| Return on Equity (ROE) | 10.8856% | 1,818 |
| Retained earnings to average equity (ytd only) | 4.8170% | 3,259 |
| Net charge-offs to loans | -0.0141% | 6,988 |
| Credit loss provision to net charge-offs | -833.3333% | 6,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3293% | 6,846 |
| Assets per employee ($millions) | 2.7700% | 6,714 |
| Cash dividends to net income (ytd only)* | 55.7491% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 5,595 |
| Loan loss allowance to noncurrent loans | 38.2430% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 2.4675% | 2,939 |
| Noncurrent loans to loans | 3.0888% | 2,592 |
| Net loans and leases to total assets | 77.2392% | 1,292 |
| Net loans and leases to deposits | 89.8130% | 1,928 |
| Net loans and leases to core deposits | 89.8130% | 3,385 |
| Total domestic deposits to total assets | 86.0000% | 3,152 |
| Equity capital to assets | 9.5875% | 4,393 |
| Core capital (leverage) ratio | 9.3840% | 3,928 |
| Tier 1 risk-based capital ratio | 10.8652% | 6,278 |
| Total risk-based capital ratio | 11.9392% | 6,443 |
| Memoranda: | ||
| Average total assets | $110,712,000 | 4,854 |
| Average earning assets | $103,276,000 | 4,773 |
| Average equity | $10,546,000 | 5,087 |
| Average total loans | $85,200,000 | 4,346 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6105% | 3,550 |
| Cost of funding earning assets | 1.8737% | 3,603 |
| Net interest margin | 3.7368% | 3,966 |
| Noninterest income to average assets | 1.4370% | 710 |
| Noninterest expense to average assets | 3.1190% | 3,654 |
| Loan and lease loss provision to assets | 0.0904% | 6,703 |
| Net operating income to assets | 1.2513% | 1,131 |
| Return on assets (ROA) | 1.2823% | 1,123 |
| Pretax return on assets | 1.7562% | 694 |
| Return on Equity (ROE) | 13.9817% | 785 |
| Retained earnings to average equity (ytd only) | 4.3681% | 2,184 |
| Net charge-offs to loans | -0.0012% | 7,681 |
| Credit loss provision to net charge-offs | -10,000.0000% | 7,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3542% | 5,901 |
| Assets per employee ($millions) | 2.9112% | 6,430 |
| Cash dividends to net income (ytd only)* | 68.7588% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 5,433 |
| Loan loss allowance to noncurrent loans | 38.7310% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 2.3223% | 2,976 |
| Noncurrent loans to loans | 3.0658% | 2,505 |
| Net loans and leases to total assets | 74.8490% | 2,066 |
| Net loans and leases to deposits | 86.5911% | 2,809 |
| Net loans and leases to core deposits | 103.5336% | 3,624 |
| Total domestic deposits to total assets | 86.4397% | 2,795 |
| Equity capital to assets | 9.4636% | 4,469 |
| Core capital (leverage) ratio | 9.1467% | 4,204 |
| Tier 1 risk-based capital ratio | 10.8880% | 6,021 |
| Total risk-based capital ratio | 11.9478% | 6,187 |
| Memoranda: | ||
| Average total assets | $110,580,800 | 4,807 |
| Average earning assets | $103,163,000 | 4,751 |
| Average equity | $10,141,800 | 5,257 |
| Average total loans | $80,459,200 | 4,492 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5794% | 3,977 |
| Cost of funding earning assets | 1.9329% | 3,699 |
| Net interest margin | 3.6465% | 4,290 |
| Noninterest income to average assets | 1.4928% | 661 |
| Noninterest expense to average assets | 3.0689% | 3,770 |
| Loan and lease loss provision to assets | 0.0904% | 6,466 |
| Net operating income to assets | 1.2658% | 1,300 |
| Return on assets (ROA) | 1.2420% | 1,431 |
| Pretax return on assets | 1.7087% | 957 |
| Return on Equity (ROE) | 13.6511% | 991 |
| Retained earnings to average equity (ytd only) | 4.7713% | 2,621 |
| Net charge-offs to loans | -0.0084% | 7,665 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6230% | 5,996 |
| Assets per employee ($millions) | 2.9342% | 6,319 |
| Cash dividends to net income (ytd only)* | 65.0484% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 5,312 |
| Loan loss allowance to noncurrent loans | 37.4904% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 2.3830% | 2,890 |
| Noncurrent loans to loans | 3.1132% | 2,425 |
| Net loans and leases to total assets | 73.9704% | 2,532 |
| Net loans and leases to deposits | 94.8339% | 1,741 |
| Net loans and leases to core deposits | 113.3907% | 2,892 |
| Total domestic deposits to total assets | 78.0000% | 6,093 |
| Equity capital to assets | 9.2655% | 5,073 |
| Core capital (leverage) ratio | 9.3179% | 4,162 |
| Tier 1 risk-based capital ratio | 10.8765% | 6,079 |
| Total risk-based capital ratio | 11.9214% | 6,251 |
| Memoranda: | ||
| Average total assets | $110,570,000 | 4,842 |
| Average earning assets | $103,329,500 | 4,780 |
| Average equity | $10,060,000 | 5,321 |
| Average total loans | $79,625,000 | 4,558 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5795% | 4,170 |
| Cost of funding earning assets | 2.0250% | 3,656 |
| Net interest margin | 3.5545% | 4,555 |
| Noninterest income to average assets | 1.7250% | 491 |
| Noninterest expense to average assets | 3.1725% | 3,421 |
| Loan and lease loss provision to assets | 0.0907% | 6,262 |
| Net operating income to assets | 1.2918% | 1,246 |
| Return on assets (ROA) | 1.3514% | 1,190 |
| Pretax return on assets | 1.8611% | 755 |
| Return on Equity (ROE) | 14.9453% | 838 |
| Retained earnings to average equity (ytd only) | 8.7265% | 1,001 |
| Net charge-offs to loans | -0.0077% | 7,580 |
| Credit loss provision to net charge-offs | -1,666.6667% | 7,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9137% | 6,097 |
| Assets per employee ($millions) | 2.9258% | 6,321 |
| Cash dividends to net income (ytd only)* | 41.6107% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 4,888 |
| Loan loss allowance to noncurrent loans | 36.6770% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 2.8424% | 2,254 |
| Noncurrent loans to loans | 3.2902% | 2,149 |
| Net loans and leases to total assets | 71.6161% | 3,317 |
| Net loans and leases to deposits | 83.1043% | 4,025 |
| Net loans and leases to core deposits | 99.9974% | 4,512 |
| Total domestic deposits to total assets | 86.1762% | 2,687 |
| Equity capital to assets | 9.4610% | 4,658 |
| Core capital (leverage) ratio | 9.2120% | 4,291 |
| Tier 1 risk-based capital ratio | 11.4098% | 5,484 |
| Total risk-based capital ratio | 12.4677% | 5,587 |
| Memoranda: | ||
| Average total assets | $110,260,000 | 4,876 |
| Average earning assets | $102,912,000 | 4,816 |
| Average equity | $9,969,670 | 5,364 |
| Average total loans | $78,349,670 | 4,639 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5564% | 4,605 |
| Cost of funding earning assets | 2.0380% | 3,936 |
| Net interest margin | 3.5184% | 4,655 |
| Noninterest income to average assets | 2.1643% | 319 |
| Noninterest expense to average assets | 3.0307% | 3,631 |
| Loan and lease loss provision to assets | 0.0899% | 5,814 |
| Net operating income to assets | 1.6466% | 723 |
| Return on assets (ROA) | 1.6466% | 794 |
| Pretax return on assets | 2.3332% | 343 |
| Return on Equity (ROE) | 18.6302% | 537 |
| Retained earnings to average equity (ytd only) | 8.6643% | 1,577 |
| Net charge-offs to loans | -0.0051% | 7,180 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5702% | 7,022 |
| Assets per employee ($millions) | 2.9549% | 6,270 |
| Cash dividends to net income (ytd only)* | 53.4934% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 5,106 |
| Loan loss allowance to noncurrent loans | 42.6518% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 1.9729% | 2,945 |
| Noncurrent loans to loans | 2.7025% | 2,430 |
| Net loans and leases to total assets | 72.1619% | 3,209 |
| Net loans and leases to deposits | 85.0008% | 3,823 |
| Net loans and leases to core deposits | 103.6946% | 4,171 |
| Total domestic deposits to total assets | 84.8955% | 3,257 |
| Equity capital to assets | 9.1474% | 5,154 |
| Core capital (leverage) ratio | 9.1458% | 4,488 |
| Tier 1 risk-based capital ratio | 11.0386% | 5,876 |
| Total risk-based capital ratio | 12.0549% | 5,989 |
| Memoranda: | ||
| Average total assets | $111,262,500 | 4,870 |
| Average earning assets | $104,024,500 | 4,803 |
| Average equity | $9,833,500 | 5,440 |
| Average total loans | $78,287,000 | 4,670 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8678% | 6,193 |
| Cost of funding earning assets | 2.6157% | 3,601 |
| Net interest margin | 3.2521% | 6,207 |
| Noninterest income to average assets | 1.3806% | 756 |
| Noninterest expense to average assets | 2.8203% | 4,738 |
| Loan and lease loss provision to assets | 0.0909% | 6,244 |
| Net operating income to assets | 1.1496% | 1,941 |
| Return on assets (ROA) | 1.1552% | 1,849 |
| Pretax return on assets | 1.5051% | 1,669 |
| Return on Equity (ROE) | 13.4440% | 1,226 |
| Retained earnings to average equity (ytd only) | 10.5775% | 381 |
| Net charge-offs to loans | 0.0329% | 6,366 |
| Credit loss provision to net charge-offs | 434.7826% | 1,005 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 537 |
| Efficiency ratio | 63.9662% | 5,569 |
| Assets per employee ($millions) | 3.0593% | 5,900 |
| Cash dividends to net income (ytd only)* | 21.3218% | 4,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 4,816 |
| Loan loss allowance to noncurrent loans | 37.3746% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 2.1132% | 2,326 |
| Noncurrent loans to loans | 3.1163% | 1,706 |
| Net loans and leases to total assets | 67.0218% | 4,632 |
| Net loans and leases to deposits | 80.5496% | 4,953 |
| Net loans and leases to core deposits | 98.3013% | 5,008 |
| Total domestic deposits to total assets | 83.2057% | 3,683 |
| Equity capital to assets | 8.5394% | 6,024 |
| Core capital (leverage) ratio | 8.8055% | 5,026 |
| Tier 1 risk-based capital ratio | 10.8303% | 5,877 |
| Total risk-based capital ratio | 11.8204% | 6,039 |
| Memoranda: | ||
| Average total assets | $110,023,000 | 4,783 |
| Average earning assets | $102,457,600 | 4,728 |
| Average equity | $9,454,000 | 5,583 |
| Average total loans | $69,872,200 | 4,872 |