Home > Eagle Bank > Performance and Condition Ratios
Eagle Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 3,913 |
| Cost of funding earning assets | 0.8108% | 3,705 |
| Net interest margin | 3.2214% | 2,829 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.2701% | 2,922 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.3724% | 1,267 |
| Return on assets (ROA) | 1.3724% | 1,243 |
| Pretax return on assets | 1.3724% | 1,695 |
| Return on Equity (ROE) | 14.4700% | 1,389 |
| Retained earnings to average equity (ytd only) | 10.1544% | 976 |
| Net charge-offs to loans | 0.0982% | 920 |
| Credit loss provision to net charge-offs | 43.1034% | 2,223 |
| Earnings coverage of net charge-offs (x) | 26.6724% | 1,704 |
| Efficiency ratio | 61.9387% | 2,837 |
| Assets per employee ($millions) | 6.5051% | 2,413 |
| Cash dividends to net income (ytd only)* | 29.8292% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 605 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 53.5200% | 3,386 |
| Net loans and leases to deposits | 62.1668% | 3,396 |
| Net loans and leases to core deposits | 67.5504% | 3,426 |
| Total domestic deposits to total assets | 86.1000% | 1,979 |
| Equity capital to assets | 10.4081% | 1,777 |
| Core capital (leverage) ratio | 12.4374% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5339% | 647 |
| Memoranda: | ||
| Average total assets | $221,796,200 | 2,836 |
| Average earning assets | $211,399,000 | 2,796 |
| Average equity | $21,035,200 | 2,772 |
| Average total loans | $118,076,800 | 2,973 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 3,925 |
| Cost of funding earning assets | 0.7167% | 3,726 |
| Net interest margin | 3.2321% | 2,844 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.2584% | 2,921 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3858% | 1,354 |
| Return on assets (ROA) | 1.3858% | 1,338 |
| Pretax return on assets | 1.3858% | 1,808 |
| Return on Equity (ROE) | 14.9900% | 1,441 |
| Retained earnings to average equity (ytd only) | 9.0459% | 1,669 |
| Net charge-offs to loans | 0.0972% | 802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 26.9412% | 1,657 |
| Efficiency ratio | 61.9728% | 2,720 |
| Assets per employee ($millions) | 6.1305% | 2,632 |
| Cash dividends to net income (ytd only)* | 39.6507% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 54.7300% | 3,308 |
| Net loans and leases to deposits | 63.9365% | 3,273 |
| Net loans and leases to core deposits | 65.9021% | 3,431 |
| Total domestic deposits to total assets | 85.6100% | 2,312 |
| Equity capital to assets | 9.3907% | 2,168 |
| Core capital (leverage) ratio | 12.1825% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2462% | 673 |
| Memoranda: | ||
| Average total assets | $220,325,500 | 2,857 |
| Average earning assets | $209,846,000 | 2,817 |
| Average equity | $20,369,750 | 2,811 |
| Average total loans | $116,590,250 | 2,994 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8364% | 3,974 |
| Cost of funding earning assets | 0.6149% | 3,711 |
| Net interest margin | 3.2215% | 2,933 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.2234% | 3,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4005% | 1,332 |
| Return on assets (ROA) | 1.4005% | 1,311 |
| Pretax return on assets | 1.4005% | 1,814 |
| Return on Equity (ROE) | 15.2300% | 1,423 |
| Retained earnings to average equity (ytd only) | 9.9351% | 1,415 |
| Net charge-offs to loans | 0.0437% | 1,068 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 61.6800% | 1,182 |
| Efficiency ratio | 61.3534% | 2,801 |
| Assets per employee ($millions) | 6.3568% | 2,421 |
| Cash dividends to net income (ytd only)* | 34.7601% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 536 |
| Loan loss allowance to noncurrent loans | 21,990.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 3,740 |
| Noncurrent loans to loans | 0.0085% | 3,732 |
| Net loans and leases to total assets | 52.1100% | 3,401 |
| Net loans and leases to deposits | 58.5810% | 3,509 |
| Net loans and leases to core deposits | 60.1917% | 3,624 |
| Total domestic deposits to total assets | 88.9600% | 1,272 |
| Equity capital to assets | 9.3420% | 2,275 |
| Core capital (leverage) ratio | 12.1184% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8102% | 650 |
| Memoranda: | ||
| Average total assets | $220,201,667 | 2,870 |
| Average earning assets | $209,777,667 | 2,827 |
| Average equity | $20,251,333 | 2,843 |
| Average total loans | $114,476,000 | 3,010 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 3,912 |
| Cost of funding earning assets | 0.4988% | 3,688 |
| Net interest margin | 3.2691% | 2,953 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.0616% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6233% | 943 |
| Return on assets (ROA) | 1.6233% | 942 |
| Pretax return on assets | 1.6233% | 1,409 |
| Return on Equity (ROE) | 17.7900% | 1,052 |
| Retained earnings to average equity (ytd only) | 13.7907% | 969 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.9465% | 3,413 |
| Assets per employee ($millions) | 6.3720% | 2,436 |
| Cash dividends to net income (ytd only)* | 22.4972% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9819% | 456 |
| Loan loss allowance to noncurrent loans | 13,900.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 3,716 |
| Noncurrent loans to loans | 0.0143% | 3,713 |
| Net loans and leases to total assets | 50.7700% | 3,436 |
| Net loans and leases to deposits | 56.3356% | 3,552 |
| Net loans and leases to core deposits | 57.3056% | 3,671 |
| Total domestic deposits to total assets | 90.1200% | 1,114 |
| Equity capital to assets | 9.6017% | 2,062 |
| Core capital (leverage) ratio | 11.9011% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4169% | 619 |
| Memoranda: | ||
| Average total assets | $219,058,000 | 2,916 |
| Average earning assets | $208,499,000 | 2,875 |
| Average equity | $19,984,500 | 2,895 |
| Average total loans | $112,643,000 | 3,068 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0319% | 4,094 |
| Cost of funding earning assets | 0.2082% | 3,695 |
| Net interest margin | 2.8237% | 3,839 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.2282% | 2,952 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2572% | 1,578 |
| Return on assets (ROA) | 1.2572% | 1,525 |
| Pretax return on assets | 1.2572% | 2,253 |
| Return on Equity (ROE) | 13.7400% | 1,592 |
| Retained earnings to average equity (ytd only) | 9.6600% | 1,253 |
| Net charge-offs to loans | 0.0094% | 2,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 526 |
| Efficiency ratio | 63.9305% | 2,505 |
| Assets per employee ($millions) | 6.5137% | 2,323 |
| Cash dividends to net income (ytd only)* | 29.7059% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9669% | 457 |
| Loan loss allowance to noncurrent loans | 12,355.5556% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,721 |
| Noncurrent loans to loans | 0.0159% | 3,724 |
| Net loans and leases to total assets | 50.0500% | 3,500 |
| Net loans and leases to deposits | 54.9579% | 3,634 |
| Net loans and leases to core deposits | 55.7120% | 3,732 |
| Total domestic deposits to total assets | 91.0700% | 929 |
| Equity capital to assets | 8.6546% | 2,590 |
| Core capital (leverage) ratio | 11.5775% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7002% | 652 |
| Memoranda: | ||
| Average total assets | $216,359,600 | 2,934 |
| Average earning assets | $206,997,000 | 2,882 |
| Average equity | $19,793,000 | 2,968 |
| Average total loans | $106,284,000 | 3,069 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8703% | 4,095 |
| Cost of funding earning assets | 0.1564% | 3,768 |
| Net interest margin | 2.7139% | 3,901 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.2608% | 2,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1716% | 1,802 |
| Return on assets (ROA) | 1.1716% | 1,774 |
| Pretax return on assets | 1.1716% | 2,486 |
| Return on Equity (ROE) | 12.6300% | 1,827 |
| Retained earnings to average equity (ytd only) | 7.2314% | 2,288 |
| Net charge-offs to loans | 0.0013% | 2,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,890.0000% | 67 |
| Efficiency ratio | 65.8660% | 2,297 |
| Assets per employee ($millions) | 6.2307% | 2,551 |
| Cash dividends to net income (ytd only)* | 42.7513% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0512% | 461 |
| Loan loss allowance to noncurrent loans | 13,956.2500% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,926 |
| Noncurrent loans to loans | 0.0147% | 3,822 |
| Net loans and leases to total assets | 48.9000% | 3,541 |
| Net loans and leases to deposits | 53.2625% | 3,649 |
| Net loans and leases to core deposits | 54.0014% | 3,744 |
| Total domestic deposits to total assets | 91.8000% | 941 |
| Equity capital to assets | 7.8922% | 2,962 |
| Core capital (leverage) ratio | 11.2164% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9866% | 646 |
| Memoranda: | ||
| Average total assets | $215,082,750 | 2,965 |
| Average earning assets | $206,340,500 | 2,907 |
| Average equity | $19,949,500 | 3,003 |
| Average total loans | $104,586,750 | 3,103 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6460% | 4,225 |
| Cost of funding earning assets | 0.1276% | 3,872 |
| Net interest margin | 2.5184% | 4,061 |
| Noninterest income to average assets | 0.9379% | 774 |
| Noninterest expense to average assets | 2.2851% | 2,591 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0687% | 1,903 |
| Return on assets (ROA) | 1.0687% | 1,880 |
| Pretax return on assets | 1.0687% | 2,520 |
| Return on Equity (ROE) | 10.9671% | 1,990 |
| Retained earnings to average equity (ytd only) | 7.0941% | 1,958 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1337% | 2,221 |
| Assets per employee ($millions) | 6.0180% | 2,724 |
| Cash dividends to net income (ytd only)* | 35.3147% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 499 |
| Loan loss allowance to noncurrent loans | 2,303.0928% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 3,537 |
| Noncurrent loans to loans | 0.0891% | 3,328 |
| Net loans and leases to total assets | 49.1920% | 3,451 |
| Net loans and leases to deposits | 54.2091% | 3,523 |
| Net loans and leases to core deposits | 54.4162% | 3,673 |
| Total domestic deposits to total assets | 90.7449% | 1,363 |
| Equity capital to assets | 8.8780% | 2,467 |
| Core capital (leverage) ratio | 11.2007% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6477% | 646 |
| Memoranda: | ||
| Average total assets | $214,085,000 | 2,996 |
| Average earning assets | $205,367,667 | 2,954 |
| Average equity | $20,862,333 | 2,983 |
| Average total loans | $103,161,333 | 3,145 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5151% | 4,247 |
| Cost of funding earning assets | 0.1233% | 3,859 |
| Net interest margin | 2.3918% | 4,090 |
| Noninterest income to average assets | 0.6259% | 1,582 |
| Noninterest expense to average assets | 2.2142% | 2,803 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7086% | 3,028 |
| Return on assets (ROA) | 0.7086% | 3,011 |
| Pretax return on assets | 0.7086% | 3,366 |
| Return on Equity (ROE) | 6.9568% | 3,047 |
| Retained earnings to average equity (ytd only) | 3.2662% | 3,174 |
| Net charge-offs to loans | 0.0080% | 1,459 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 188.5000% | 447 |
| Efficiency ratio | 75.7556% | 1,557 |
| Assets per employee ($millions) | 5.9327% | 2,863 |
| Cash dividends to net income (ytd only)* | 53.0504% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2348% | 416 |
| Loan loss allowance to noncurrent loans | 11,160.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 3,980 |
| Noncurrent loans to loans | 0.0200% | 3,852 |
| Net loans and leases to total assets | 45.7182% | 3,606 |
| Net loans and leases to deposits | 50.7018% | 3,673 |
| Net loans and leases to core deposits | 50.9018% | 3,820 |
| Total domestic deposits to total assets | 90.1708% | 1,463 |
| Equity capital to assets | 9.3746% | 2,389 |
| Core capital (leverage) ratio | 11.0695% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3568% | 533 |
| Memoranda: | ||
| Average total assets | $212,804,000 | 3,020 |
| Average earning assets | $204,362,000 | 2,973 |
| Average equity | $21,676,500 | 3,012 |
| Average total loans | $100,338,500 | 3,181 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8297% | 4,165 |
| Cost of funding earning assets | 0.1464% | 4,014 |
| Net interest margin | 2.6833% | 3,907 |
| Noninterest income to average assets | 0.7736% | 1,523 |
| Noninterest expense to average assets | 2.2284% | 2,993 |
| Loan and lease loss provision to assets | 0.0297% | 2,466 |
| Net operating income to assets | 1.0791% | 2,372 |
| Return on assets (ROA) | 1.0791% | 2,446 |
| Pretax return on assets | 1.0791% | 3,035 |
| Return on Equity (ROE) | 9.2324% | 2,814 |
| Retained earnings to average equity (ytd only) | 1.0277% | 4,252 |
| Net charge-offs to loans | 0.0112% | 2,143 |
| Credit loss provision to net charge-offs | 500.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 186.9167% | 565 |
| Efficiency ratio | 66.7753% | 2,153 |
| Assets per employee ($millions) | 5.8897% | 2,872 |
| Cash dividends to net income (ytd only)* | 88.8685% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2162% | 437 |
| Loan loss allowance to noncurrent loans | 13,962.5000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,086 |
| Noncurrent loans to loans | 0.0159% | 3,972 |
| Net loans and leases to total assets | 46.4873% | 3,654 |
| Net loans and leases to deposits | 52.4910% | 3,704 |
| Net loans and leases to core deposits | 52.6348% | 3,849 |
| Total domestic deposits to total assets | 88.5625% | 1,759 |
| Equity capital to assets | 11.0036% | 1,789 |
| Core capital (leverage) ratio | 11.2360% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2779% | 537 |
| Memoranda: | ||
| Average total assets | $202,300,400 | 3,047 |
| Average earning assets | $193,273,000 | 3,008 |
| Average equity | $23,645,000 | 2,933 |
| Average total loans | $107,092,400 | 3,114 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8793% | 4,200 |
| Cost of funding earning assets | 0.1524% | 4,087 |
| Net interest margin | 2.7269% | 3,919 |
| Noninterest income to average assets | 0.7698% | 1,617 |
| Noninterest expense to average assets | 2.1394% | 3,247 |
| Loan and lease loss provision to assets | 0.0300% | 2,394 |
| Net operating income to assets | 1.2034% | 2,161 |
| Return on assets (ROA) | 1.2034% | 2,219 |
| Pretax return on assets | 1.2034% | 2,916 |
| Return on Equity (ROE) | 10.1388% | 2,689 |
| Retained earnings to average equity (ytd only) | -0.7587% | 4,643 |
| Net charge-offs to loans | 0.0196% | 1,661 |
| Credit loss provision to net charge-offs | 281.2500% | 1,037 |
| Earnings coverage of net charge-offs (x) | 115.5625% | 794 |
| Efficiency ratio | 63.4296% | 2,472 |
| Assets per employee ($millions) | 5.8522% | 2,833 |
| Cash dividends to net income (ytd only)* | 107.4834% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1311% | 509 |
| Loan loss allowance to noncurrent loans | 304.6768% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 2,011 |
| Noncurrent loans to loans | 0.6995% | 1,585 |
| Net loans and leases to total assets | 49.6631% | 3,445 |
| Net loans and leases to deposits | 56.4341% | 3,543 |
| Net loans and leases to core deposits | 56.5980% | 3,726 |
| Total domestic deposits to total assets | 88.0020% | 1,841 |
| Equity capital to assets | 11.4497% | 1,712 |
| Core capital (leverage) ratio | 11.2471% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5943% | 635 |
| Memoranda: | ||
| Average total assets | $199,868,000 | 3,100 |
| Average earning assets | $190,782,750 | 3,053 |
| Average equity | $23,723,500 | 2,965 |
| Average total loans | $108,665,250 | 3,136 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9194% | 4,192 |
| Cost of funding earning assets | 0.1577% | 4,142 |
| Net interest margin | 2.7617% | 3,873 |
| Noninterest income to average assets | 0.6962% | 1,821 |
| Noninterest expense to average assets | 2.1260% | 3,314 |
| Loan and lease loss provision to assets | 0.0303% | 2,373 |
| Net operating income to assets | 1.1725% | 2,288 |
| Return on assets (ROA) | 1.1725% | 2,355 |
| Pretax return on assets | 1.1725% | 2,984 |
| Return on Equity (ROE) | 9.7590% | 2,850 |
| Retained earnings to average equity (ytd only) | -1.3102% | 4,630 |
| Net charge-offs to loans | 0.0163% | 1,623 |
| Credit loss provision to net charge-offs | 333.3333% | 841 |
| Earnings coverage of net charge-offs (x) | 132.4444% | 636 |
| Efficiency ratio | 63.8678% | 2,450 |
| Assets per employee ($millions) | 6.1910% | 2,435 |
| Cash dividends to net income (ytd only)* | 113.4251% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9797% | 632 |
| Loan loss allowance to noncurrent loans | 12,982.3529% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,259 |
| Noncurrent loans to loans | 0.0152% | 4,155 |
| Net loans and leases to total assets | 53.4860% | 3,195 |
| Net loans and leases to deposits | 60.8786% | 3,312 |
| Net loans and leases to core deposits | 61.0578% | 3,539 |
| Total domestic deposits to total assets | 87.8568% | 1,907 |
| Equity capital to assets | 11.5338% | 1,610 |
| Core capital (leverage) ratio | 11.3378% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7458% | 634 |
| Memoranda: | ||
| Average total assets | $198,215,333 | 3,114 |
| Average earning assets | $188,940,667 | 3,076 |
| Average equity | $23,814,000 | 2,950 |
| Average total loans | $110,241,000 | 3,125 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9536% | 4,178 |
| Cost of funding earning assets | 0.1658% | 4,192 |
| Net interest margin | 2.7878% | 3,790 |
| Noninterest income to average assets | 0.6620% | 1,990 |
| Noninterest expense to average assets | 2.1868% | 3,145 |
| Loan and lease loss provision to assets | 0.0307% | 2,373 |
| Net operating income to assets | 1.0985% | 2,480 |
| Return on assets (ROA) | 1.0985% | 2,556 |
| Pretax return on assets | 1.0985% | 3,115 |
| Return on Equity (ROE) | 8.9561% | 3,048 |
| Retained earnings to average equity (ytd only) | -0.4679% | 4,408 |
| Net charge-offs to loans | -0.0036% | 3,278 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9456% | 2,240 |
| Assets per employee ($millions) | 5.8743% | 2,723 |
| Cash dividends to net income (ytd only)* | 105.2239% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0149% | 582 |
| Loan loss allowance to noncurrent loans | 6,476.4706% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,255 |
| Noncurrent loans to loans | 0.0311% | 4,128 |
| Net loans and leases to total assets | 53.6147% | 3,278 |
| Net loans and leases to deposits | 61.0331% | 3,407 |
| Net loans and leases to core deposits | 61.4006% | 3,615 |
| Total domestic deposits to total assets | 87.8453% | 1,918 |
| Equity capital to assets | 11.8718% | 1,349 |
| Core capital (leverage) ratio | 11.9747% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6971% | 537 |
| Memoranda: | ||
| Average total assets | $195,171,000 | 3,123 |
| Average earning assets | $185,809,500 | 3,090 |
| Average equity | $23,939,000 | 2,935 |
| Average total loans | $109,621,000 | 3,134 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6126% | 3,775 |
| Cost of funding earning assets | 0.2314% | 4,456 |
| Net interest margin | 3.3811% | 2,831 |
| Noninterest income to average assets | 0.7552% | 1,672 |
| Noninterest expense to average assets | 2.2672% | 3,496 |
| Loan and lease loss provision to assets | 0.0345% | 3,972 |
| Net operating income to assets | 1.6528% | 570 |
| Return on assets (ROA) | 1.6528% | 613 |
| Pretax return on assets | 1.6528% | 949 |
| Return on Equity (ROE) | 12.4076% | 1,203 |
| Retained earnings to average equity (ytd only) | 5.8328% | 1,883 |
| Net charge-offs to loans | 0.0038% | 3,227 |
| Credit loss provision to net charge-offs | 1,500.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 734.0000% | 161 |
| Efficiency ratio | 57.3318% | 3,813 |
| Assets per employee ($millions) | 5.9568% | 2,374 |
| Cash dividends to net income (ytd only)* | 52.9903% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9880% | 605 |
| Loan loss allowance to noncurrent loans | 15,614.2857% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,410 |
| Noncurrent loans to loans | 0.0127% | 4,322 |
| Net loans and leases to total assets | 56.5385% | 3,246 |
| Net loans and leases to deposits | 64.9542% | 3,363 |
| Net loans and leases to core deposits | 65.3714% | 3,594 |
| Total domestic deposits to total assets | 87.0437% | 1,925 |
| Equity capital to assets | 12.6783% | 1,241 |
| Core capital (leverage) ratio | 12.3146% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3843% | 549 |
| Memoranda: | ||
| Average total assets | $174,004,200 | 3,160 |
| Average earning assets | $164,648,200 | 3,123 |
| Average equity | $23,179,400 | 2,927 |
| Average total loans | $104,465,600 | 3,171 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7627% | 3,658 |
| Cost of funding earning assets | 0.2474% | 4,523 |
| Net interest margin | 3.5153% | 2,543 |
| Noninterest income to average assets | 0.7795% | 1,579 |
| Noninterest expense to average assets | 2.3220% | 3,363 |
| Loan and lease loss provision to assets | 0.0312% | 3,943 |
| Net operating income to assets | 1.7497% | 513 |
| Return on assets (ROA) | 1.7497% | 573 |
| Pretax return on assets | 1.7497% | 870 |
| Return on Equity (ROE) | 12.9594% | 1,119 |
| Retained earnings to average equity (ytd only) | 4.0989% | 2,995 |
| Net charge-offs to loans | 0.0013% | 3,174 |
| Credit loss provision to net charge-offs | 4,000.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 2,269.0000% | 43 |
| Efficiency ratio | 56.5908% | 3,848 |
| Assets per employee ($millions) | 5.6851% | 2,549 |
| Cash dividends to net income (ytd only)* | 68.3715% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0139% | 485 |
| Loan loss allowance to noncurrent loans | 14,460.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 4,471 |
| Noncurrent loans to loans | 0.0139% | 4,389 |
| Net loans and leases to total assets | 56.2516% | 3,598 |
| Net loans and leases to deposits | 64.5572% | 3,752 |
| Net loans and leases to core deposits | 64.9858% | 3,954 |
| Total domestic deposits to total assets | 87.1344% | 1,614 |
| Equity capital to assets | 12.5127% | 1,420 |
| Core capital (leverage) ratio | 12.1969% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7314% | 531 |
| Memoranda: | ||
| Average total assets | $169,851,000 | 3,177 |
| Average earning assets | $160,589,000 | 3,147 |
| Average equity | $22,932,500 | 2,943 |
| Average total loans | $103,092,500 | 3,198 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9290% | 3,539 |
| Cost of funding earning assets | 0.2740% | 4,555 |
| Net interest margin | 3.6550% | 2,302 |
| Noninterest income to average assets | 0.6771% | 1,823 |
| Noninterest expense to average assets | 2.3742% | 3,330 |
| Loan and lease loss provision to assets | 0.0366% | 3,813 |
| Net operating income to assets | 1.7166% | 604 |
| Return on assets (ROA) | 1.7166% | 659 |
| Pretax return on assets | 1.7166% | 970 |
| Return on Equity (ROE) | 12.3683% | 1,244 |
| Retained earnings to average equity (ytd only) | 3.9294% | 2,944 |
| Net charge-offs to loans | 0.0020% | 2,947 |
| Credit loss provision to net charge-offs | 3,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 1,437.0000% | 56 |
| Efficiency ratio | 57.5229% | 3,754 |
| Assets per employee ($millions) | 5.7341% | 2,423 |
| Cash dividends to net income (ytd only)* | 68.2303% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 484 |
| Loan loss allowance to noncurrent loans | 13,493.7500% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,539 |
| Noncurrent loans to loans | 0.0144% | 4,453 |
| Net loans and leases to total assets | 59.4614% | 3,377 |
| Net loans and leases to deposits | 68.3358% | 3,535 |
| Net loans and leases to core deposits | 68.8073% | 3,806 |
| Total domestic deposits to total assets | 87.0136% | 1,608 |
| Equity capital to assets | 12.6360% | 1,323 |
| Core capital (leverage) ratio | 12.6638% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0429% | 578 |
| Memoranda: | ||
| Average total assets | $163,931,667 | 3,209 |
| Average earning assets | $154,745,333 | 3,180 |
| Average equity | $22,751,667 | 2,946 |
| Average total loans | $101,556,000 | 3,210 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 3,171 |
| Cost of funding earning assets | 0.3093% | 4,631 |
| Net interest margin | 3.9050% | 1,660 |
| Noninterest income to average assets | 0.6850% | 1,704 |
| Noninterest expense to average assets | 2.5481% | 3,136 |
| Loan and lease loss provision to assets | 0.0389% | 3,287 |
| Net operating income to assets | 1.7671% | 439 |
| Return on assets (ROA) | 1.7671% | 486 |
| Pretax return on assets | 1.7671% | 749 |
| Return on Equity (ROE) | 12.0881% | 1,076 |
| Retained earnings to average equity (ytd only) | 1.8638% | 3,487 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5221% | 3,936 |
| Assets per employee ($millions) | 4.5193% | 3,230 |
| Cash dividends to net income (ytd only)* | 84.5815% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2492% | 349 |
| Loan loss allowance to noncurrent loans | 11,916.6667% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 4,590 |
| Noncurrent loans to loans | 0.0189% | 4,499 |
| Net loans and leases to total assets | 60.6695% | 3,432 |
| Net loans and leases to deposits | 71.5350% | 3,476 |
| Net loans and leases to core deposits | 72.1445% | 3,757 |
| Total domestic deposits to total assets | 84.8110% | 2,484 |
| Equity capital to assets | 14.8161% | 798 |
| Core capital (leverage) ratio | 14.3823% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2762% | 545 |
| Memoranda: | ||
| Average total assets | $154,151,500 | 3,273 |
| Average earning assets | $144,840,500 | 3,240 |
| Average equity | $22,534,500 | 2,958 |
| Average total loans | $96,701,000 | 3,268 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 3,305 |
| Cost of funding earning assets | 0.3260% | 4,668 |
| Net interest margin | 4.0534% | 1,675 |
| Noninterest income to average assets | 0.7066% | 1,794 |
| Noninterest expense to average assets | 2.7097% | 2,858 |
| Loan and lease loss provision to assets | 0.0395% | 3,229 |
| Net operating income to assets | 1.7641% | 575 |
| Return on assets (ROA) | 1.7641% | 608 |
| Pretax return on assets | 1.7641% | 1,035 |
| Return on Equity (ROE) | 12.4415% | 1,346 |
| Retained earnings to average equity (ytd only) | 3.8174% | 3,070 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0379% | 3,686 |
| Assets per employee ($millions) | 4.8327% | 2,797 |
| Cash dividends to net income (ytd only)* | 69.3169% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1727% | 343 |
| Loan loss allowance to noncurrent loans | 11,210.5263% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 4,602 |
| Noncurrent loans to loans | 0.0194% | 4,494 |
| Net loans and leases to total assets | 62.0152% | 3,398 |
| Net loans and leases to deposits | 72.7659% | 3,453 |
| Net loans and leases to core deposits | 73.3093% | 3,774 |
| Total domestic deposits to total assets | 85.2256% | 2,407 |
| Equity capital to assets | 14.4220% | 956 |
| Core capital (leverage) ratio | 14.3123% | 847 |
| Tier 1 risk-based capital ratio | 21.3505% | 1,110 |
| Total risk-based capital ratio | 22.6111% | 1,087 |
| Memoranda: | ||
| Average total assets | $151,862,800 | 3,271 |
| Average earning assets | $142,621,000 | 3,248 |
| Average equity | $21,532,800 | 3,002 |
| Average total loans | $98,682,400 | 3,243 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 3,414 |
| Cost of funding earning assets | 0.3209% | 4,746 |
| Net interest margin | 4.0624% | 1,723 |
| Noninterest income to average assets | 0.7100% | 1,739 |
| Noninterest expense to average assets | 2.7862% | 2,599 |
| Loan and lease loss provision to assets | 0.0397% | 3,110 |
| Net operating income to assets | 1.7023% | 740 |
| Return on assets (ROA) | 1.7023% | 779 |
| Pretax return on assets | 1.7023% | 1,332 |
| Return on Equity (ROE) | 12.0583% | 1,599 |
| Retained earnings to average equity (ytd only) | 0.4561% | 4,675 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5310% | 3,399 |
| Assets per employee ($millions) | 4.4904% | 3,225 |
| Cash dividends to net income (ytd only)* | 96.2177% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1270% | 375 |
| Loan loss allowance to noncurrent loans | 1,521.5827% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 4,261 |
| Noncurrent loans to loans | 0.1398% | 4,039 |
| Net loans and leases to total assets | 63.7452% | 3,311 |
| Net loans and leases to deposits | 74.5818% | 3,428 |
| Net loans and leases to core deposits | 75.0031% | 3,764 |
| Total domestic deposits to total assets | 85.4702% | 2,225 |
| Equity capital to assets | 14.1120% | 1,104 |
| Core capital (leverage) ratio | 13.9782% | 991 |
| Tier 1 risk-based capital ratio | 20.4385% | 1,299 |
| Total risk-based capital ratio | 21.6987% | 1,264 |
| Memoranda: | ||
| Average total assets | $151,167,000 | 3,316 |
| Average earning assets | $142,078,750 | 3,284 |
| Average equity | $21,340,250 | 3,039 |
| Average total loans | $98,844,500 | 3,283 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 3,544 |
| Cost of funding earning assets | 0.3134% | 4,796 |
| Net interest margin | 4.0163% | 1,869 |
| Noninterest income to average assets | 0.7035% | 1,698 |
| Noninterest expense to average assets | 2.7850% | 2,642 |
| Loan and lease loss provision to assets | 0.0398% | 3,016 |
| Net operating income to assets | 1.6553% | 798 |
| Return on assets (ROA) | 1.6553% | 832 |
| Pretax return on assets | 1.6553% | 1,380 |
| Return on Equity (ROE) | 11.7243% | 1,687 |
| Retained earnings to average equity (ytd only) | -1.2599% | 4,855 |
| Net charge-offs to loans | -0.0020% | 3,956 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1630% | 3,408 |
| Assets per employee ($millions) | 4.3445% | 3,377 |
| Cash dividends to net income (ytd only)* | 110.7458% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0741% | 410 |
| Loan loss allowance to noncurrent loans | 339.4184% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 2,879 |
| Noncurrent loans to loans | 0.6111% | 2,431 |
| Net loans and leases to total assets | 65.2347% | 3,203 |
| Net loans and leases to deposits | 76.3777% | 3,299 |
| Net loans and leases to core deposits | 76.8267% | 3,660 |
| Total domestic deposits to total assets | 85.4107% | 2,299 |
| Equity capital to assets | 14.0112% | 1,115 |
| Core capital (leverage) ratio | 13.9606% | 976 |
| Tier 1 risk-based capital ratio | 20.0596% | 1,343 |
| Total risk-based capital ratio | 21.3192% | 1,310 |
| Memoranda: | ||
| Average total assets | $150,665,330 | 3,343 |
| Average earning assets | $141,673,670 | 3,307 |
| Average equity | $21,272,000 | 3,036 |
| Average total loans | $98,647,330 | 3,308 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2677% | 3,653 |
| Cost of funding earning assets | 0.3091% | 4,821 |
| Net interest margin | 3.9586% | 1,995 |
| Noninterest income to average assets | 0.6295% | 1,914 |
| Noninterest expense to average assets | 2.7126% | 2,873 |
| Loan and lease loss provision to assets | 0.0400% | 2,826 |
| Net operating income to assets | 1.6003% | 896 |
| Return on assets (ROA) | 1.6003% | 927 |
| Pretax return on assets | 1.6003% | 1,471 |
| Return on Equity (ROE) | 11.2912% | 1,827 |
| Retained earnings to average equity (ytd only) | 0.7527% | 4,374 |
| Net charge-offs to loans | -0.0041% | 3,975 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3162% | 3,487 |
| Assets per employee ($millions) | 4.1697% | 3,674 |
| Cash dividends to net income (ytd only)* | 93.3333% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1566% | 380 |
| Loan loss allowance to noncurrent loans | 8,691.6667% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 4,785 |
| Noncurrent loans to loans | 0.0248% | 4,671 |
| Net loans and leases to total assets | 63.0473% | 3,398 |
| Net loans and leases to deposits | 73.8099% | 3,467 |
| Net loans and leases to core deposits | 75.9262% | 3,667 |
| Total domestic deposits to total assets | 85.4185% | 2,521 |
| Equity capital to assets | 14.2218% | 961 |
| Core capital (leverage) ratio | 14.2302% | 888 |
| Tier 1 risk-based capital ratio | 20.7239% | 1,211 |
| Total risk-based capital ratio | 21.9840% | 1,182 |
| Memoranda: | ||
| Average total assets | $149,969,500 | 3,387 |
| Average earning assets | $141,059,000 | 3,356 |
| Average equity | $21,255,500 | 3,048 |
| Average total loans | $97,323,500 | 3,359 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 3,760 |
| Cost of funding earning assets | 0.2237% | 4,909 |
| Net interest margin | 3.8707% | 2,426 |
| Noninterest income to average assets | 0.7117% | 1,806 |
| Noninterest expense to average assets | 2.6847% | 3,078 |
| Loan and lease loss provision to assets | 0.0398% | 3,397 |
| Net operating income to assets | 1.6285% | 817 |
| Return on assets (ROA) | 1.6285% | 814 |
| Pretax return on assets | 1.6285% | 1,386 |
| Return on Equity (ROE) | 11.9795% | 1,724 |
| Retained earnings to average equity (ytd only) | 4.4148% | 3,105 |
| Net charge-offs to loans | 0.0010% | 3,741 |
| Credit loss provision to net charge-offs | 6,000.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 2,513.0000% | 35 |
| Efficiency ratio | 61.6745% | 3,594 |
| Assets per employee ($millions) | 4.2809% | 3,490 |
| Cash dividends to net income (ytd only)* | 63.1472% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1139% | 393 |
| Loan loss allowance to noncurrent loans | 8,280.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 4,806 |
| Noncurrent loans to loans | 0.0255% | 4,663 |
| Net loans and leases to total assets | 63.9734% | 3,364 |
| Net loans and leases to deposits | 74.7862% | 3,438 |
| Net loans and leases to core deposits | 77.0267% | 3,641 |
| Total domestic deposits to total assets | 85.5417% | 2,422 |
| Equity capital to assets | 14.1246% | 934 |
| Core capital (leverage) ratio | 14.1164% | 892 |
| Tier 1 risk-based capital ratio | 20.6829% | 1,197 |
| Total risk-based capital ratio | 21.9429% | 1,170 |
| Memoranda: | ||
| Average total assets | $150,631,800 | 3,376 |
| Average earning assets | $141,706,600 | 3,342 |
| Average equity | $20,476,600 | 3,050 |
| Average total loans | $99,013,400 | 3,320 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 3,837 |
| Cost of funding earning assets | 0.2019% | 5,014 |
| Net interest margin | 3.8305% | 2,525 |
| Noninterest income to average assets | 0.7045% | 1,844 |
| Noninterest expense to average assets | 2.7049% | 2,968 |
| Loan and lease loss provision to assets | 0.0398% | 3,205 |
| Net operating income to assets | 1.5655% | 1,034 |
| Return on assets (ROA) | 1.5655% | 1,040 |
| Pretax return on assets | 1.5655% | 1,685 |
| Return on Equity (ROE) | 11.6290% | 1,944 |
| Retained earnings to average equity (ytd only) | 1.4577% | 4,742 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7564% | 3,382 |
| Assets per employee ($millions) | 4.2936% | 3,430 |
| Cash dividends to net income (ytd only)* | 87.4648% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0326% | 459 |
| Loan loss allowance to noncurrent loans | 7,614.8148% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 4,906 |
| Noncurrent loans to loans | 0.0267% | 4,773 |
| Net loans and leases to total assets | 65.9433% | 3,185 |
| Net loans and leases to deposits | 76.6281% | 3,362 |
| Net loans and leases to core deposits | 78.9121% | 3,573 |
| Total domestic deposits to total assets | 86.0563% | 2,162 |
| Equity capital to assets | 13.5710% | 1,112 |
| Core capital (leverage) ratio | 13.6009% | 1,061 |
| Tier 1 risk-based capital ratio | 19.9802% | 1,338 |
| Total risk-based capital ratio | 21.2400% | 1,307 |
| Memoranda: | ||
| Average total assets | $150,832,000 | 3,413 |
| Average earning assets | $141,980,500 | 3,368 |
| Average equity | $20,305,000 | 3,090 |
| Average total loans | $99,286,250 | 3,334 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 3,939 |
| Cost of funding earning assets | 0.1802% | 5,110 |
| Net interest margin | 3.7664% | 2,688 |
| Noninterest income to average assets | 0.7138% | 1,822 |
| Noninterest expense to average assets | 2.7030% | 3,007 |
| Loan and lease loss provision to assets | 0.0397% | 3,111 |
| Net operating income to assets | 1.5151% | 1,118 |
| Return on assets (ROA) | 1.5151% | 1,118 |
| Pretax return on assets | 1.5151% | 1,762 |
| Return on Equity (ROE) | 11.2846% | 1,999 |
| Retained earnings to average equity (ytd only) | 1.0357% | 4,744 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4837% | 3,387 |
| Assets per employee ($millions) | 4.2254% | 3,539 |
| Cash dividends to net income (ytd only)* | 90.8217% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0250% | 498 |
| Loan loss allowance to noncurrent loans | 3,850.9434% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 4,850 |
| Noncurrent loans to loans | 0.0526% | 4,680 |
| Net loans and leases to total assets | 64.9184% | 3,289 |
| Net loans and leases to deposits | 75.2324% | 3,423 |
| Net loans and leases to core deposits | 75.9709% | 3,746 |
| Total domestic deposits to total assets | 86.2905% | 2,147 |
| Equity capital to assets | 13.3571% | 1,162 |
| Core capital (leverage) ratio | 13.2542% | 1,145 |
| Tier 1 risk-based capital ratio | 19.5821% | 1,407 |
| Total risk-based capital ratio | 20.8414% | 1,370 |
| Memoranda: | ||
| Average total assets | $151,017,330 | 3,421 |
| Average earning assets | $142,098,670 | 3,390 |
| Average equity | $20,275,330 | 3,106 |
| Average total loans | $98,664,000 | 3,358 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 4,065 |
| Cost of funding earning assets | 0.1697% | 5,167 |
| Net interest margin | 3.6874% | 2,853 |
| Noninterest income to average assets | 0.7550% | 1,603 |
| Noninterest expense to average assets | 2.7089% | 3,016 |
| Loan and lease loss provision to assets | 0.0399% | 2,959 |
| Net operating income to assets | 1.4727% | 1,138 |
| Return on assets (ROA) | 1.4727% | 1,141 |
| Pretax return on assets | 1.4727% | 1,752 |
| Return on Equity (ROE) | 10.9410% | 1,996 |
| Retained earnings to average equity (ytd only) | -2.4489% | 5,047 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1688% | 3,454 |
| Assets per employee ($millions) | 4.2212% | 3,611 |
| Cash dividends to net income (ytd only)* | 122.3827% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0961% | 458 |
| Loan loss allowance to noncurrent loans | 6,535.4839% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 5,010 |
| Noncurrent loans to loans | 0.0321% | 4,835 |
| Net loans and leases to total assets | 62.2707% | 3,516 |
| Net loans and leases to deposits | 72.0379% | 3,596 |
| Net loans and leases to core deposits | 72.7619% | 3,899 |
| Total domestic deposits to total assets | 86.4415% | 2,343 |
| Equity capital to assets | 13.2564% | 1,134 |
| Core capital (leverage) ratio | 13.4526% | 1,023 |
| Tier 1 risk-based capital ratio | 19.9359% | 1,354 |
| Total risk-based capital ratio | 21.1958% | 1,325 |
| Memoranda: | ||
| Average total assets | $150,469,000 | 3,462 |
| Average earning assets | $141,456,000 | 3,434 |
| Average equity | $20,254,000 | 3,136 |
| Average total loans | $97,600,500 | 3,405 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7253% | 4,278 |
| Cost of funding earning assets | 0.1683% | 5,166 |
| Net interest margin | 3.5570% | 3,314 |
| Noninterest income to average assets | 0.7220% | 1,876 |
| Noninterest expense to average assets | 2.6968% | 3,132 |
| Loan and lease loss provision to assets | 0.0403% | 3,460 |
| Net operating income to assets | 1.3346% | 1,151 |
| Return on assets (ROA) | 1.3346% | 1,174 |
| Pretax return on assets | 1.3346% | 2,233 |
| Return on Equity (ROE) | 10.0876% | 1,846 |
| Retained earnings to average equity (ytd only) | 6.5440% | 1,260 |
| Net charge-offs to loans | 0.0548% | 2,702 |
| Credit loss provision to net charge-offs | 115.3846% | 2,270 |
| Earnings coverage of net charge-offs (x) | 39.3654% | 1,276 |
| Efficiency ratio | 66.2323% | 3,225 |
| Assets per employee ($millions) | 4.2564% | 3,567 |
| Cash dividends to net income (ytd only)* | 35.1283% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0407% | 498 |
| Loan loss allowance to noncurrent loans | 1,064.0212% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 4,492 |
| Noncurrent loans to loans | 0.1918% | 4,146 |
| Net loans and leases to total assets | 64.7999% | 3,257 |
| Net loans and leases to deposits | 75.3091% | 3,409 |
| Net loans and leases to core deposits | 75.8810% | 3,754 |
| Total domestic deposits to total assets | 86.0452% | 2,411 |
| Equity capital to assets | 13.6688% | 997 |
| Core capital (leverage) ratio | 13.4677% | 981 |
| Tier 1 risk-based capital ratio | 19.8846% | 1,346 |
| Total risk-based capital ratio | 21.1433% | 1,310 |
| Memoranda: | ||
| Average total assets | $148,882,400 | 3,485 |
| Average earning assets | $140,203,800 | 3,448 |
| Average equity | $19,697,400 | 3,178 |
| Average total loans | $94,908,000 | 3,436 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6521% | 4,441 |
| Cost of funding earning assets | 0.1633% | 5,235 |
| Net interest margin | 3.4888% | 3,541 |
| Noninterest income to average assets | 0.7094% | 1,963 |
| Noninterest expense to average assets | 2.7148% | 3,012 |
| Loan and lease loss provision to assets | 0.0403% | 3,304 |
| Net operating income to assets | 1.2459% | 1,526 |
| Return on assets (ROA) | 1.2459% | 1,548 |
| Pretax return on assets | 1.2459% | 2,731 |
| Return on Equity (ROE) | 9.4958% | 2,352 |
| Retained earnings to average equity (ytd only) | 4.7308% | 3,064 |
| Net charge-offs to loans | 0.0738% | 2,078 |
| Credit loss provision to net charge-offs | 86.5385% | 2,505 |
| Earnings coverage of net charge-offs (x) | 27.6160% | 1,625 |
| Efficiency ratio | 67.8531% | 2,896 |
| Assets per employee ($millions) | 4.2900% | 3,488 |
| Cash dividends to net income (ytd only)* | 50.1796% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9948% | 573 |
| Loan loss allowance to noncurrent loans | 5,544.4444% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 5,130 |
| Noncurrent loans to loans | 0.0360% | 4,955 |
| Net loans and leases to total assets | 65.3096% | 3,206 |
| Net loans and leases to deposits | 75.5755% | 3,414 |
| Net loans and leases to core deposits | 76.3023% | 3,783 |
| Total domestic deposits to total assets | 86.4163% | 2,125 |
| Equity capital to assets | 13.2274% | 1,282 |
| Core capital (leverage) ratio | 13.0789% | 1,179 |
| Tier 1 risk-based capital ratio | 19.1724% | 1,541 |
| Total risk-based capital ratio | 20.4309% | 1,502 |
| Memoranda: | ||
| Average total assets | $148,859,500 | 3,518 |
| Average earning assets | $140,444,250 | 3,472 |
| Average equity | $19,531,000 | 3,217 |
| Average total loans | $93,998,500 | 3,483 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5645% | 4,602 |
| Cost of funding earning assets | 0.1542% | 5,314 |
| Net interest margin | 3.4103% | 3,735 |
| Noninterest income to average assets | 0.7007% | 1,988 |
| Noninterest expense to average assets | 2.7084% | 3,066 |
| Loan and lease loss provision to assets | 0.0404% | 3,199 |
| Net operating income to assets | 1.1696% | 1,703 |
| Return on assets (ROA) | 1.1696% | 1,744 |
| Pretax return on assets | 1.1696% | 2,897 |
| Return on Equity (ROE) | 8.9388% | 2,539 |
| Retained earnings to average equity (ytd only) | 5.6434% | 2,329 |
| Net charge-offs to loans | 0.0805% | 1,817 |
| Credit loss provision to net charge-offs | 81.0811% | 2,244 |
| Earnings coverage of net charge-offs (x) | 24.2703% | 1,648 |
| Efficiency ratio | 69.1197% | 2,825 |
| Assets per employee ($millions) | 4.3556% | 3,333 |
| Cash dividends to net income (ytd only)* | 36.8664% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1160% | 496 |
| Loan loss allowance to noncurrent loans | 2,147.3118% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 4,952 |
| Noncurrent loans to loans | 0.0985% | 4,734 |
| Net loans and leases to total assets | 62.3803% | 3,585 |
| Net loans and leases to deposits | 72.2546% | 3,713 |
| Net loans and leases to core deposits | 72.9640% | 4,020 |
| Total domestic deposits to total assets | 86.3340% | 2,225 |
| Equity capital to assets | 13.3189% | 1,219 |
| Core capital (leverage) ratio | 13.2205% | 1,092 |
| Tier 1 risk-based capital ratio | 20.0105% | 1,369 |
| Total risk-based capital ratio | 21.2710% | 1,331 |
| Memoranda: | ||
| Average total assets | $148,429,000 | 3,543 |
| Average earning assets | $140,046,000 | 3,495 |
| Average equity | $19,421,000 | 3,230 |
| Average total loans | $91,978,330 | 3,537 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5056% | 4,680 |
| Cost of funding earning assets | 0.1483% | 5,387 |
| Net interest margin | 3.3572% | 3,812 |
| Noninterest income to average assets | 0.7456% | 1,759 |
| Noninterest expense to average assets | 2.7241% | 3,054 |
| Loan and lease loss provision to assets | 0.0404% | 2,996 |
| Net operating income to assets | 1.1494% | 1,669 |
| Return on assets (ROA) | 1.1494% | 1,707 |
| Pretax return on assets | 1.1494% | 2,779 |
| Return on Equity (ROE) | 8.8637% | 2,479 |
| Retained earnings to average equity (ytd only) | 6.5388% | 2,056 |
| Net charge-offs to loans | -0.0044% | 4,146 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6011% | 2,955 |
| Assets per employee ($millions) | 4.0916% | 3,857 |
| Cash dividends to net income (ytd only)* | 26.2295% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1993% | 477 |
| Loan loss allowance to noncurrent loans | 1,040.7216% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 4,732 |
| Noncurrent loans to loans | 0.2113% | 4,354 |
| Net loans and leases to total assets | 60.9551% | 3,674 |
| Net loans and leases to deposits | 70.4826% | 3,747 |
| Net loans and leases to core deposits | 71.1890% | 4,059 |
| Total domestic deposits to total assets | 86.4824% | 2,453 |
| Equity capital to assets | 13.2121% | 1,178 |
| Core capital (leverage) ratio | 13.0413% | 1,127 |
| Tier 1 risk-based capital ratio | 20.5041% | 1,297 |
| Total risk-based capital ratio | 21.7653% | 1,268 |
| Memoranda: | ||
| Average total assets | $148,598,500 | 3,574 |
| Average earning assets | $140,234,500 | 3,524 |
| Average equity | $19,269,500 | 3,259 |
| Average total loans | $90,779,500 | 3,583 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5380% | 4,668 |
| Cost of funding earning assets | 0.1532% | 5,403 |
| Net interest margin | 3.3848% | 3,869 |
| Noninterest income to average assets | 0.8825% | 1,472 |
| Noninterest expense to average assets | 2.8998% | 2,671 |
| Loan and lease loss provision to assets | 0.0418% | 3,547 |
| Net operating income to assets | 1.1417% | 1,723 |
| Return on assets (ROA) | 1.1430% | 1,815 |
| Pretax return on assets | 1.1430% | 2,925 |
| Return on Equity (ROE) | 8.6904% | 2,572 |
| Retained earnings to average equity (ytd only) | 1.4563% | 4,678 |
| Net charge-offs to loans | 0.0046% | 4,089 |
| Credit loss provision to net charge-offs | 1,500.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 424.7500% | 190 |
| Efficiency ratio | 71.0167% | 2,745 |
| Assets per employee ($millions) | 4.0514% | 3,871 |
| Cash dividends to net income (ytd only)* | 83.2419% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2316% | 444 |
| Loan loss allowance to noncurrent loans | 4,451.1111% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 5,250 |
| Noncurrent loans to loans | 0.0501% | 5,048 |
| Net loans and leases to total assets | 58.5404% | 4,019 |
| Net loans and leases to deposits | 67.2862% | 4,147 |
| Net loans and leases to core deposits | 67.9127% | 4,404 |
| Total domestic deposits to total assets | 87.0020% | 2,144 |
| Equity capital to assets | 12.7272% | 1,382 |
| Core capital (leverage) ratio | 12.8676% | 1,183 |
| Tier 1 risk-based capital ratio | 20.4584% | 1,292 |
| Total risk-based capital ratio | 21.7195% | 1,265 |
| Memoranda: | ||
| Average total assets | $143,563,600 | 3,615 |
| Average earning assets | $135,753,000 | 3,560 |
| Average equity | $18,883,000 | 3,283 |
| Average total loans | $87,366,200 | 3,633 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5559% | 4,667 |
| Cost of funding earning assets | 0.1548% | 5,454 |
| Net interest margin | 3.4011% | 3,833 |
| Noninterest income to average assets | 0.9147% | 1,360 |
| Noninterest expense to average assets | 2.9468% | 2,473 |
| Loan and lease loss provision to assets | 0.0423% | 3,391 |
| Net operating income to assets | 1.1438% | 1,835 |
| Return on assets (ROA) | 1.1457% | 1,932 |
| Pretax return on assets | 1.1457% | 3,064 |
| Return on Equity (ROE) | 8.6366% | 2,696 |
| Retained earnings to average equity (ytd only) | 0.3823% | 5,256 |
| Net charge-offs to loans | 0.0031% | 3,826 |
| Credit loss provision to net charge-offs | 2,250.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 630.6966% | 147 |
| Efficiency ratio | 71.3020% | 2,683 |
| Assets per employee ($millions) | 3.7637% | 4,371 |
| Cash dividends to net income (ytd only)* | 95.5737% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2158% | 499 |
| Loan loss allowance to noncurrent loans | 4,234.0426% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 5,359 |
| Noncurrent loans to loans | 0.0523% | 5,149 |
| Net loans and leases to total assets | 61.4040% | 3,698 |
| Net loans and leases to deposits | 72.2697% | 3,779 |
| Net loans and leases to core deposits | 72.9972% | 4,086 |
| Total domestic deposits to total assets | 84.9650% | 2,820 |
| Equity capital to assets | 13.2674% | 1,361 |
| Core capital (leverage) ratio | 13.1368% | 1,138 |
| Tier 1 risk-based capital ratio | 20.5894% | 1,341 |
| Total risk-based capital ratio | 21.8516% | 1,307 |
| Memoranda: | ||
| Average total assets | $141,979,500 | 3,654 |
| Average earning assets | $134,345,000 | 3,601 |
| Average equity | $18,834,250 | 3,314 |
| Average total loans | $86,769,000 | 3,661 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5273% | 4,796 |
| Cost of funding earning assets | 0.1521% | 5,536 |
| Net interest margin | 3.3753% | 3,981 |
| Noninterest income to average assets | 0.8289% | 1,616 |
| Noninterest expense to average assets | 2.9344% | 2,568 |
| Loan and lease loss provision to assets | 0.0424% | 3,301 |
| Net operating income to assets | 1.0492% | 2,179 |
| Return on assets (ROA) | 1.0520% | 2,287 |
| Pretax return on assets | 1.0520% | 3,389 |
| Return on Equity (ROE) | 7.9309% | 3,014 |
| Retained earnings to average equity (ytd only) | -1.9481% | 5,534 |
| Net charge-offs to loans | 0.0047% | 3,542 |
| Credit loss provision to net charge-offs | 1,500.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 386.5000% | 181 |
| Efficiency ratio | 72.8867% | 2,536 |
| Assets per employee ($millions) | 3.7247% | 4,401 |
| Cash dividends to net income (ytd only)* | 124.5638% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2425% | 513 |
| Loan loss allowance to noncurrent loans | 3,038.4615% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 5,343 |
| Noncurrent loans to loans | 0.0738% | 5,156 |
| Net loans and leases to total assets | 60.8303% | 3,773 |
| Net loans and leases to deposits | 70.4030% | 3,949 |
| Net loans and leases to core deposits | 71.1119% | 4,243 |
| Total domestic deposits to total assets | 86.4029% | 2,217 |
| Equity capital to assets | 13.2445% | 1,356 |
| Core capital (leverage) ratio | 12.9681% | 1,160 |
| Tier 1 risk-based capital ratio | 20.7233% | 1,304 |
| Total risk-based capital ratio | 21.9852% | 1,284 |
| Memoranda: | ||
| Average total assets | $141,632,670 | 3,682 |
| Average earning assets | $134,152,670 | 3,624 |
| Average equity | $18,787,330 | 3,330 |
| Average total loans | $85,755,330 | 3,698 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5106% | 4,866 |
| Cost of funding earning assets | 0.1521% | 5,592 |
| Net interest margin | 3.3584% | 4,012 |
| Noninterest income to average assets | 0.7849% | 1,678 |
| Noninterest expense to average assets | 2.8035% | 3,052 |
| Loan and lease loss provision to assets | 0.0423% | 3,078 |
| Net operating income to assets | 1.1180% | 1,839 |
| Return on assets (ROA) | 1.1208% | 1,929 |
| Pretax return on assets | 1.1208% | 3,009 |
| Return on Equity (ROE) | 8.4432% | 2,685 |
| Retained earnings to average equity (ytd only) | -0.1489% | 5,130 |
| Net charge-offs to loans | 0.0047% | 2,957 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 411.0000% | 146 |
| Efficiency ratio | 70.7265% | 3,001 |
| Assets per employee ($millions) | 3.7375% | 4,412 |
| Cash dividends to net income (ytd only)* | 101.7632% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3362% | 483 |
| Loan loss allowance to noncurrent loans | 2,514.1026% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 5,067 |
| Noncurrent loans to loans | 0.0929% | 5,103 |
| Net loans and leases to total assets | 57.7201% | 4,074 |
| Net loans and leases to deposits | 66.7891% | 4,179 |
| Net loans and leases to core deposits | 67.4619% | 4,439 |
| Total domestic deposits to total assets | 86.4214% | 2,482 |
| Equity capital to assets | 13.2716% | 1,281 |
| Core capital (leverage) ratio | 13.2607% | 1,065 |
| Tier 1 risk-based capital ratio | 21.9470% | 1,167 |
| Total risk-based capital ratio | 23.2104% | 1,143 |
| Memoranda: | ||
| Average total assets | $141,680,000 | 3,705 |
| Average earning assets | $134,109,500 | 3,651 |
| Average equity | $18,808,000 | 3,329 |
| Average total loans | $84,596,500 | 3,737 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6589% | 4,494 |
| Cost of funding earning assets | 0.1580% | 5,634 |
| Net interest margin | 3.5010% | 3,521 |
| Noninterest income to average assets | 0.9572% | 1,297 |
| Noninterest expense to average assets | 2.9020% | 2,855 |
| Loan and lease loss provision to assets | 0.0867% | 2,558 |
| Net operating income to assets | 1.2672% | 1,347 |
| Return on assets (ROA) | 1.2686% | 1,395 |
| Pretax return on assets | 1.2686% | 2,403 |
| Return on Equity (ROE) | 9.5721% | 2,196 |
| Retained earnings to average equity (ytd only) | 4.9223% | 2,477 |
| Net charge-offs to loans | 0.0308% | 3,605 |
| Credit loss provision to net charge-offs | 444.4444% | 689 |
| Earnings coverage of net charge-offs (x) | 69.4074% | 777 |
| Efficiency ratio | 68.1888% | 3,532 |
| Assets per employee ($millions) | 4.0381% | 3,863 |
| Cash dividends to net income (ytd only)* | 48.5763% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2837% | 527 |
| Loan loss allowance to noncurrent loans | 3,605.5556% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 5,160 |
| Noncurrent loans to loans | 0.0633% | 5,260 |
| Net loans and leases to total assets | 58.9436% | 3,977 |
| Net loans and leases to deposits | 68.1902% | 4,112 |
| Net loans and leases to core deposits | 68.7054% | 4,398 |
| Total domestic deposits to total assets | 86.4400% | 2,414 |
| Equity capital to assets | 13.2784% | 1,221 |
| Core capital (leverage) ratio | 13.3223% | 1,029 |
| Tier 1 risk-based capital ratio | 21.4117% | 1,228 |
| Total risk-based capital ratio | 22.6739% | 1,209 |
| Memoranda: | ||
| Average total assets | $138,420,600 | 3,746 |
| Average earning assets | $130,420,600 | 3,696 |
| Average equity | $18,345,000 | 3,337 |
| Average total loans | $87,613,200 | 3,638 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6947% | 4,439 |
| Cost of funding earning assets | 0.1584% | 5,722 |
| Net interest margin | 3.5363% | 3,400 |
| Noninterest income to average assets | 0.9528% | 1,307 |
| Noninterest expense to average assets | 2.9088% | 2,822 |
| Loan and lease loss provision to assets | 0.0872% | 2,413 |
| Net operating income to assets | 1.2859% | 1,377 |
| Return on assets (ROA) | 1.2859% | 1,432 |
| Pretax return on assets | 1.2859% | 2,447 |
| Return on Equity (ROE) | 9.7076% | 2,214 |
| Retained earnings to average equity (ytd only) | 3.4722% | 3,996 |
| Net charge-offs to loans | -0.0015% | 4,679 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9331% | 3,555 |
| Assets per employee ($millions) | 3.7856% | 4,293 |
| Cash dividends to net income (ytd only)* | 64.2317% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1979% | 666 |
| Loan loss allowance to noncurrent loans | 2,818.8406% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 5,183 |
| Noncurrent loans to loans | 0.0780% | 5,313 |
| Net loans and leases to total assets | 63.5061% | 3,378 |
| Net loans and leases to deposits | 73.7646% | 3,568 |
| Net loans and leases to core deposits | 74.5069% | 3,964 |
| Total domestic deposits to total assets | 86.0929% | 2,478 |
| Equity capital to assets | 13.5351% | 1,212 |
| Core capital (leverage) ratio | 13.2655% | 1,105 |
| Tier 1 risk-based capital ratio | 20.2889% | 1,482 |
| Total risk-based capital ratio | 21.5499% | 1,445 |
| Memoranda: | ||
| Average total assets | $137,692,000 | 3,790 |
| Average earning assets | $129,624,750 | 3,739 |
| Average equity | $18,239,500 | 3,379 |
| Average total loans | $88,202,750 | 3,659 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6611% | 4,539 |
| Cost of funding earning assets | 0.1570% | 5,806 |
| Net interest margin | 3.5041% | 3,479 |
| Noninterest income to average assets | 0.9438% | 1,321 |
| Noninterest expense to average assets | 2.9299% | 2,788 |
| Loan and lease loss provision to assets | 0.0869% | 2,370 |
| Net operating income to assets | 1.2232% | 1,532 |
| Return on assets (ROA) | 1.2232% | 1,608 |
| Pretax return on assets | 1.2232% | 2,685 |
| Return on Equity (ROE) | 9.3007% | 2,384 |
| Retained earnings to average equity (ytd only) | 4.3587% | 3,243 |
| Net charge-offs to loans | -0.0023% | 4,602 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1021% | 3,469 |
| Assets per employee ($millions) | 3.9370% | 4,005 |
| Cash dividends to net income (ytd only)* | 53.1361% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1646% | 772 |
| Loan loss allowance to noncurrent loans | 4,074.4681% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 5,357 |
| Noncurrent loans to loans | 0.0531% | 5,528 |
| Net loans and leases to total assets | 62.8117% | 3,435 |
| Net loans and leases to deposits | 74.1961% | 3,470 |
| Net loans and leases to core deposits | 74.9524% | 3,857 |
| Total domestic deposits to total assets | 84.6563% | 3,266 |
| Equity capital to assets | 13.3959% | 1,217 |
| Core capital (leverage) ratio | 13.0523% | 1,146 |
| Tier 1 risk-based capital ratio | 21.0335% | 1,354 |
| Total risk-based capital ratio | 22.2954% | 1,325 |
| Memoranda: | ||
| Average total assets | $138,161,670 | 3,820 |
| Average earning assets | $129,962,330 | 3,758 |
| Average equity | $18,170,670 | 3,401 |
| Average total loans | $88,106,000 | 3,687 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6144% | 4,640 |
| Cost of funding earning assets | 0.1569% | 5,870 |
| Net interest margin | 3.4575% | 3,601 |
| Noninterest income to average assets | 1.0409% | 1,033 |
| Noninterest expense to average assets | 2.9925% | 2,609 |
| Loan and lease loss provision to assets | 0.0867% | 2,246 |
| Net operating income to assets | 1.2115% | 1,514 |
| Return on assets (ROA) | 1.2115% | 1,609 |
| Pretax return on assets | 1.2115% | 2,620 |
| Return on Equity (ROE) | 9.2974% | 2,317 |
| Retained earnings to average equity (ytd only) | 4.8595% | 3,139 |
| Net charge-offs to loans | -0.0045% | 4,473 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7439% | 3,534 |
| Assets per employee ($millions) | 3.9467% | 4,067 |
| Cash dividends to net income (ytd only)* | 47.7327% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1599% | 844 |
| Loan loss allowance to noncurrent loans | 3,040.3226% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 5,408 |
| Noncurrent loans to loans | 0.0710% | 5,485 |
| Net loans and leases to total assets | 61.8143% | 3,401 |
| Net loans and leases to deposits | 71.4360% | 3,600 |
| Net loans and leases to core deposits | 72.1507% | 3,947 |
| Total domestic deposits to total assets | 86.5311% | 2,649 |
| Equity capital to assets | 13.1945% | 1,305 |
| Core capital (leverage) ratio | 12.9615% | 1,168 |
| Tier 1 risk-based capital ratio | 21.2359% | 1,374 |
| Total risk-based capital ratio | 22.4976% | 1,353 |
| Memoranda: | ||
| Average total assets | $138,344,500 | 3,834 |
| Average earning assets | $130,036,000 | 3,776 |
| Average equity | $18,026,500 | 3,439 |
| Average total loans | $87,925,500 | 3,703 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 4,356 |
| Cost of funding earning assets | 0.1873% | 5,855 |
| Net interest margin | 3.6516% | 3,213 |
| Noninterest income to average assets | 0.8543% | 1,663 |
| Noninterest expense to average assets | 2.8274% | 3,389 |
| Loan and lease loss provision to assets | 0.0939% | 2,587 |
| Net operating income to assets | 1.3503% | 1,189 |
| Return on assets (ROA) | 1.3503% | 1,241 |
| Pretax return on assets | 1.3503% | 2,076 |
| Return on Equity (ROE) | 10.0108% | 2,117 |
| Retained earnings to average equity (ytd only) | 4.3558% | 3,083 |
| Net charge-offs to loans | 0.0262% | 4,301 |
| Credit loss provision to net charge-offs | 545.4545% | 489 |
| Earnings coverage of net charge-offs (x) | 83.9091% | 602 |
| Efficiency ratio | 66.1905% | 4,217 |
| Assets per employee ($millions) | 4.0752% | 3,773 |
| Cash dividends to net income (ytd only)* | 56.4890% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0930% | 958 |
| Loan loss allowance to noncurrent loans | 3,142.3729% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 5,494 |
| Noncurrent loans to loans | 0.0666% | 5,613 |
| Net loans and leases to total assets | 62.5927% | 3,427 |
| Net loans and leases to deposits | 72.0346% | 3,679 |
| Net loans and leases to core deposits | 72.5923% | 4,070 |
| Total domestic deposits to total assets | 86.8927% | 2,336 |
| Equity capital to assets | 12.8663% | 1,432 |
| Core capital (leverage) ratio | 12.9775% | 1,150 |
| Tier 1 risk-based capital ratio | 20.2695% | 1,539 |
| Total risk-based capital ratio | 21.5300% | 1,509 |
| Memoranda: | ||
| Average total assets | $127,821,200 | 4,017 |
| Average earning assets | $119,618,800 | 3,981 |
| Average equity | $17,241,400 | 3,493 |
| Average total loans | $84,058,600 | 3,766 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8494% | 4,370 |
| Cost of funding earning assets | 0.1924% | 5,892 |
| Net interest margin | 3.6571% | 3,199 |
| Noninterest income to average assets | 0.8268% | 1,790 |
| Noninterest expense to average assets | 2.7787% | 3,545 |
| Loan and lease loss provision to assets | 0.0959% | 2,448 |
| Net operating income to assets | 1.3755% | 1,182 |
| Return on assets (ROA) | 1.3755% | 1,225 |
| Pretax return on assets | 1.3755% | 2,097 |
| Return on Equity (ROE) | 10.0690% | 2,184 |
| Retained earnings to average equity (ytd only) | 2.4646% | 4,820 |
| Net charge-offs to loans | 0.0386% | 3,726 |
| Credit loss provision to net charge-offs | 375.0000% | 747 |
| Earnings coverage of net charge-offs (x) | 57.5403% | 890 |
| Efficiency ratio | 65.3798% | 4,312 |
| Assets per employee ($millions) | 4.1362% | 3,587 |
| Cash dividends to net income (ytd only)* | 75.5230% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0445% | 1,176 |
| Loan loss allowance to noncurrent loans | 969.1489% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 5,610 |
| Noncurrent loans to loans | 0.2110% | 5,273 |
| Net loans and leases to total assets | 63.9557% | 3,178 |
| Net loans and leases to deposits | 75.2145% | 3,282 |
| Net loans and leases to core deposits | 75.9990% | 3,742 |
| Total domestic deposits to total assets | 85.0311% | 3,326 |
| Equity capital to assets | 12.7462% | 1,560 |
| Core capital (leverage) ratio | 13.3069% | 1,062 |
| Tier 1 risk-based capital ratio | 19.6609% | 1,742 |
| Total risk-based capital ratio | 20.9212% | 1,709 |
| Memoranda: | ||
| Average total assets | $125,137,500 | 4,118 |
| Average earning assets | $117,139,750 | 4,053 |
| Average equity | $17,095,000 | 3,534 |
| Average total loans | $82,928,250 | 3,821 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8760% | 4,241 |
| Cost of funding earning assets | 0.1960% | 5,945 |
| Net interest margin | 3.6800% | 3,033 |
| Noninterest income to average assets | 0.8587% | 1,627 |
| Noninterest expense to average assets | 2.7128% | 3,817 |
| Loan and lease loss provision to assets | 0.0989% | 2,375 |
| Net operating income to assets | 1.4816% | 904 |
| Return on assets (ROA) | 1.4816% | 936 |
| Pretax return on assets | 1.4816% | 1,594 |
| Return on Equity (ROE) | 10.5802% | 1,905 |
| Retained earnings to average equity (ytd only) | 1.4593% | 5,160 |
| Net charge-offs to loans | 0.0841% | 2,845 |
| Credit loss provision to net charge-offs | 176.4706% | 1,295 |
| Earnings coverage of net charge-offs (x) | 28.2059% | 1,309 |
| Efficiency ratio | 63.1862% | 4,825 |
| Assets per employee ($millions) | 4.6197% | 2,744 |
| Cash dividends to net income (ytd only)* | 86.2069% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1355% | 1,113 |
| Loan loss allowance to noncurrent loans | 2,874.1935% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 5,658 |
| Noncurrent loans to loans | 0.0743% | 5,803 |
| Net loans and leases to total assets | 65.4737% | 2,836 |
| Net loans and leases to deposits | 80.6912% | 2,424 |
| Net loans and leases to core deposits | 81.4339% | 3,042 |
| Total domestic deposits to total assets | 81.1410% | 4,934 |
| Equity capital to assets | 13.7873% | 1,055 |
| Core capital (leverage) ratio | 14.1428% | 794 |
| Tier 1 risk-based capital ratio | 20.8775% | 1,467 |
| Total risk-based capital ratio | 22.1387% | 1,445 |
| Memoranda: | ||
| Average total assets | $121,351,330 | 4,208 |
| Average earning assets | $113,261,330 | 4,160 |
| Average equity | $16,994,000 | 3,545 |
| Average total loans | $80,864,670 | 3,885 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9030% | 4,078 |
| Cost of funding earning assets | 0.1977% | 6,018 |
| Net interest margin | 3.7053% | 2,843 |
| Noninterest income to average assets | 0.7555% | 1,938 |
| Noninterest expense to average assets | 2.5672% | 4,388 |
| Loan and lease loss provision to assets | 0.1003% | 2,251 |
| Net operating income to assets | 1.5343% | 759 |
| Return on assets (ROA) | 1.5343% | 794 |
| Pretax return on assets | 1.5343% | 1,328 |
| Return on Equity (ROE) | 10.8687% | 1,728 |
| Retained earnings to average equity (ytd only) | 6.4881% | 2,291 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0979% | 5,255 |
| Assets per employee ($millions) | 4.4307% | 3,086 |
| Cash dividends to net income (ytd only)* | 40.3050% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2867% | 1,050 |
| Loan loss allowance to noncurrent loans | 1,962.6374% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.9555% | 3,339 |
| Noncurrent loans to loans | 0.1165% | 5,777 |
| Net loans and leases to total assets | 63.7956% | 2,930 |
| Net loans and leases to deposits | 74.7498% | 2,982 |
| Net loans and leases to core deposits | 75.4339% | 3,474 |
| Total domestic deposits to total assets | 85.3455% | 3,699 |
| Equity capital to assets | 14.3469% | 820 |
| Core capital (leverage) ratio | 14.5954% | 678 |
| Tier 1 risk-based capital ratio | 22.3732% | 1,236 |
| Total risk-based capital ratio | 23.6366% | 1,212 |
| Memoranda: | ||
| Average total assets | $119,661,500 | 4,284 |
| Average earning assets | $111,299,000 | 4,238 |
| Average equity | $16,892,500 | 3,565 |
| Average total loans | $79,573,000 | 3,947 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8485% | 4,635 |
| Cost of funding earning assets | 0.2404% | 6,029 |
| Net interest margin | 3.6081% | 3,433 |
| Noninterest income to average assets | 0.6969% | 2,558 |
| Noninterest expense to average assets | 2.5867% | 4,513 |
| Loan and lease loss provision to assets | 0.0989% | 3,149 |
| Net operating income to assets | 1.3988% | 1,026 |
| Return on assets (ROA) | 1.3988% | 1,069 |
| Pretax return on assets | 1.3988% | 1,782 |
| Return on Equity (ROE) | 10.2110% | 2,026 |
| Retained earnings to average equity (ytd only) | 4.4981% | 2,981 |
| Net charge-offs to loans | 0.0636% | 4,323 |
| Credit loss provision to net charge-offs | 244.8980% | 934 |
| Earnings coverage of net charge-offs (x) | 37.1020% | 1,009 |
| Efficiency ratio | 63.3320% | 5,003 |
| Assets per employee ($millions) | 4.1274% | 3,584 |
| Cash dividends to net income (ytd only)* | 55.9482% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1668% | 1,224 |
| Loan loss allowance to noncurrent loans | 131.6342% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.3234% | 2,770 |
| Noncurrent loans to loans | 1.6461% | 2,438 |
| Net loans and leases to total assets | 66.2406% | 2,659 |
| Net loans and leases to deposits | 77.1692% | 2,834 |
| Net loans and leases to core deposits | 77.8711% | 3,379 |
| Total domestic deposits to total assets | 85.8381% | 3,344 |
| Equity capital to assets | 13.8871% | 936 |
| Core capital (leverage) ratio | 14.3962% | 717 |
| Tier 1 risk-based capital ratio | 21.5610% | 1,324 |
| Total risk-based capital ratio | 22.8235% | 1,304 |
| Memoranda: | ||
| Average total assets | $121,389,800 | 4,249 |
| Average earning assets | $113,965,400 | 4,182 |
| Average equity | $16,629,200 | 3,609 |
| Average total loans | $77,009,000 | 4,024 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 4,744 |
| Cost of funding earning assets | 0.2467% | 6,110 |
| Net interest margin | 3.5806% | 3,531 |
| Noninterest income to average assets | 0.6469% | 2,899 |
| Noninterest expense to average assets | 2.5350% | 4,603 |
| Loan and lease loss provision to assets | 0.0985% | 3,115 |
| Net operating income to assets | 1.3813% | 1,146 |
| Return on assets (ROA) | 1.3813% | 1,192 |
| Pretax return on assets | 1.3813% | 1,993 |
| Return on Equity (ROE) | 10.1174% | 2,135 |
| Retained earnings to average equity (ytd only) | 4.1047% | 3,765 |
| Net charge-offs to loans | 0.0439% | 4,282 |
| Credit loss provision to net charge-offs | 360.0000% | 729 |
| Earnings coverage of net charge-offs (x) | 54.0840% | 816 |
| Efficiency ratio | 63.1407% | 4,958 |
| Assets per employee ($millions) | 4.0837% | 3,668 |
| Cash dividends to net income (ytd only)* | 59.4299% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2370% | 1,273 |
| Loan loss allowance to noncurrent loans | 282.7141% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 4,870 |
| Noncurrent loans to loans | 0.7913% | 4,264 |
| Net loans and leases to total assets | 64.5785% | 2,907 |
| Net loans and leases to deposits | 78.0669% | 2,657 |
| Net loans and leases to core deposits | 78.8386% | 3,249 |
| Total domestic deposits to total assets | 82.7220% | 4,674 |
| Equity capital to assets | 13.9460% | 975 |
| Core capital (leverage) ratio | 13.7558% | 938 |
| Tier 1 risk-based capital ratio | 22.0198% | 1,315 |
| Total risk-based capital ratio | 23.2827% | 1,299 |
| Memoranda: | ||
| Average total assets | $121,813,750 | 4,281 |
| Average earning assets | $114,577,250 | 4,213 |
| Average equity | $16,631,000 | 3,649 |
| Average total loans | $76,000,750 | 4,089 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 4,974 |
| Cost of funding earning assets | 0.2472% | 6,193 |
| Net interest margin | 3.5076% | 3,751 |
| Noninterest income to average assets | 0.6068% | 3,147 |
| Noninterest expense to average assets | 2.4711% | 4,829 |
| Loan and lease loss provision to assets | 0.0976% | 3,160 |
| Net operating income to assets | 1.3388% | 1,229 |
| Return on assets (ROA) | 1.3388% | 1,315 |
| Pretax return on assets | 1.3388% | 2,160 |
| Return on Equity (ROE) | 9.8744% | 2,248 |
| Retained earnings to average equity (ytd only) | 3.0955% | 4,347 |
| Net charge-offs to loans | 0.0053% | 4,791 |
| Credit loss provision to net charge-offs | 3,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 441.5000% | 107 |
| Efficiency ratio | 63.2390% | 4,976 |
| Assets per employee ($millions) | 4.5179% | 2,793 |
| Cash dividends to net income (ytd only)* | 68.6513% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2585% | 1,320 |
| Loan loss allowance to noncurrent loans | 744.8718% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 5,531 |
| Noncurrent loans to loans | 0.3032% | 5,548 |
| Net loans and leases to total assets | 61.8376% | 3,322 |
| Net loans and leases to deposits | 76.8843% | 2,743 |
| Net loans and leases to core deposits | 77.6841% | 3,338 |
| Total domestic deposits to total assets | 80.4294% | 5,496 |
| Equity capital to assets | 13.4591% | 1,158 |
| Core capital (leverage) ratio | 13.5701% | 949 |
| Tier 1 risk-based capital ratio | 21.9173% | 1,299 |
| Total risk-based capital ratio | 23.1804% | 1,273 |
| Memoranda: | ||
| Average total assets | $122,942,330 | 4,281 |
| Average earning assets | $115,691,330 | 4,214 |
| Average equity | $16,669,330 | 3,671 |
| Average total loans | $75,258,000 | 4,127 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7044% | 5,142 |
| Cost of funding earning assets | 0.2624% | 6,208 |
| Net interest margin | 3.4420% | 3,953 |
| Noninterest income to average assets | 0.6385% | 2,940 |
| Noninterest expense to average assets | 2.4825% | 4,817 |
| Loan and lease loss provision to assets | 0.0972% | 3,064 |
| Net operating income to assets | 1.2899% | 1,307 |
| Return on assets (ROA) | 1.2899% | 1,408 |
| Pretax return on assets | 1.2899% | 2,262 |
| Return on Equity (ROE) | 9.4790% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.4790% | 1,251 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1541% | 4,987 |
| Assets per employee ($millions) | 4.4516% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3427% | 1,342 |
| Loan loss allowance to noncurrent loans | 1,805.2632% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 5,918 |
| Noncurrent loans to loans | 0.1298% | 6,083 |
| Net loans and leases to total assets | 57.3565% | 3,864 |
| Net loans and leases to deposits | 66.6039% | 3,970 |
| Net loans and leases to core deposits | 67.2505% | 4,387 |
| Total domestic deposits to total assets | 86.1158% | 3,468 |
| Equity capital to assets | 13.5946% | 1,181 |
| Core capital (leverage) ratio | 13.8392% | 838 |
| Tier 1 risk-based capital ratio | 23.1696% | 1,130 |
| Total risk-based capital ratio | 24.4337% | 1,111 |
| Memoranda: | ||
| Average total assets | $123,421,500 | 4,320 |
| Average earning assets | $115,863,000 | 4,242 |
| Average equity | $16,795,000 | 3,698 |
| Average total loans | $74,299,500 | 4,193 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 4,615 |
| Cost of funding earning assets | 0.3433% | 6,253 |
| Net interest margin | 3.8503% | 3,026 |
| Noninterest income to average assets | 0.5575% | 3,523 |
| Noninterest expense to average assets | 2.6196% | 4,672 |
| Loan and lease loss provision to assets | 0.1050% | 4,324 |
| Net operating income to assets | 1.4161% | 1,070 |
| Return on assets (ROA) | 1.4161% | 1,182 |
| Pretax return on assets | 1.4161% | 1,982 |
| Return on Equity (ROE) | 9.9174% | 2,207 |
| Retained earnings to average equity (ytd only) | 4.9709% | 2,723 |
| Net charge-offs to loans | 0.0147% | 5,704 |
| Credit loss provision to net charge-offs | 1,090.9091% | 242 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 266 |
| Efficiency ratio | 63.2636% | 5,025 |
| Assets per employee ($millions) | 4.5259% | 2,913 |
| Cash dividends to net income (ytd only)* | 49.8764% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2350% | 1,492 |
| Loan loss allowance to noncurrent loans | 556.1056% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 5,508 |
| Noncurrent loans to loans | 0.4019% | 5,486 |
| Net loans and leases to total assets | 60.3177% | 3,547 |
| Net loans and leases to deposits | 70.0557% | 3,700 |
| Net loans and leases to core deposits | 70.7483% | 4,197 |
| Total domestic deposits to total assets | 86.0996% | 3,302 |
| Equity capital to assets | 13.6213% | 1,183 |
| Core capital (leverage) ratio | 13.8788% | 835 |
| Tier 1 risk-based capital ratio | 22.2447% | 1,223 |
| Total risk-based capital ratio | 23.5073% | 1,194 |
| Memoranda: | ||
| Average total assets | $114,254,000 | 4,489 |
| Average earning assets | $106,328,400 | 4,438 |
| Average equity | $16,314,800 | 3,738 |
| Average total loans | $74,997,600 | 4,175 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 4,437 |
| Cost of funding earning assets | 0.3590% | 6,337 |
| Net interest margin | 3.9450% | 2,726 |
| Noninterest income to average assets | 0.6033% | 3,251 |
| Noninterest expense to average assets | 2.7018% | 4,359 |
| Loan and lease loss provision to assets | 0.1069% | 4,232 |
| Net operating income to assets | 1.4619% | 1,096 |
| Return on assets (ROA) | 1.4619% | 1,219 |
| Pretax return on assets | 1.4619% | 2,031 |
| Return on Equity (ROE) | 10.1113% | 2,292 |
| Retained earnings to average equity (ytd only) | 4.8709% | 3,462 |
| Net charge-offs to loans | 0.0107% | 5,563 |
| Credit loss provision to net charge-offs | 1,500.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 220.1613% | 204 |
| Efficiency ratio | 63.2647% | 4,932 |
| Assets per employee ($millions) | 4.2152% | 3,436 |
| Cash dividends to net income (ytd only)* | 51.8281% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2402% | 1,628 |
| Loan loss allowance to noncurrent loans | 801.9324% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 5,177 |
| Noncurrent loans to loans | 0.2793% | 5,932 |
| Net loans and leases to total assets | 63.6517% | 3,085 |
| Net loans and leases to deposits | 74.7379% | 3,179 |
| Net loans and leases to core deposits | 75.5848% | 3,779 |
| Total domestic deposits to total assets | 85.1665% | 3,678 |
| Equity capital to assets | 14.4566% | 984 |
| Core capital (leverage) ratio | 14.5195% | 703 |
| Tier 1 risk-based capital ratio | 22.7807% | 1,202 |
| Total risk-based capital ratio | 24.0444% | 1,185 |
| Memoranda: | ||
| Average total assets | $112,268,000 | 4,577 |
| Average earning assets | $104,366,250 | 4,529 |
| Average equity | $16,232,250 | 3,782 |
| Average total loans | $74,899,000 | 4,232 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 4,567 |
| Cost of funding earning assets | 0.3731% | 6,407 |
| Net interest margin | 3.9287% | 2,800 |
| Noninterest income to average assets | 0.5924% | 3,300 |
| Noninterest expense to average assets | 2.7310% | 4,285 |
| Loan and lease loss provision to assets | 0.1074% | 4,181 |
| Net operating income to assets | 1.4102% | 1,170 |
| Return on assets (ROA) | 1.4102% | 1,306 |
| Pretax return on assets | 1.4102% | 2,164 |
| Return on Equity (ROE) | 9.7533% | 2,465 |
| Retained earnings to average equity (ytd only) | 6.4238% | 2,423 |
| Net charge-offs to loans | 0.0239% | 5,054 |
| Credit loss provision to net charge-offs | 666.6667% | 478 |
| Earnings coverage of net charge-offs (x) | 94.2222% | 452 |
| Efficiency ratio | 64.2797% | 4,846 |
| Assets per employee ($millions) | 4.1244% | 3,620 |
| Cash dividends to net income (ytd only)* | 34.1371% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1659% | 1,854 |
| Loan loss allowance to noncurrent loans | 190.9624% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 3,980 |
| Noncurrent loans to loans | 1.1342% | 4,259 |
| Net loans and leases to total assets | 65.9953% | 2,670 |
| Net loans and leases to deposits | 80.2593% | 2,347 |
| Net loans and leases to core deposits | 81.2459% | 3,054 |
| Total domestic deposits to total assets | 82.2276% | 5,047 |
| Equity capital to assets | 14.7057% | 859 |
| Core capital (leverage) ratio | 14.4714% | 703 |
| Tier 1 risk-based capital ratio | 22.3524% | 1,224 |
| Total risk-based capital ratio | 23.6149% | 1,207 |
| Memoranda: | ||
| Average total assets | $111,754,000 | 4,626 |
| Average earning assets | $104,005,000 | 4,571 |
| Average equity | $16,158,670 | 3,780 |
| Average total loans | $75,164,670 | 4,245 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2935% | 4,763 |
| Cost of funding earning assets | 0.3830% | 6,495 |
| Net interest margin | 3.9105% | 2,880 |
| Noninterest income to average assets | 0.5752% | 3,379 |
| Noninterest expense to average assets | 2.7655% | 4,179 |
| Loan and lease loss provision to assets | 0.1072% | 4,009 |
| Net operating income to assets | 1.3506% | 1,320 |
| Return on assets (ROA) | 1.3506% | 1,475 |
| Pretax return on assets | 1.3506% | 2,359 |
| Return on Equity (ROE) | 9.4206% | 2,631 |
| Retained earnings to average equity (ytd only) | 9.4206% | 1,436 |
| Net charge-offs to loans | 0.0372% | 4,176 |
| Credit loss provision to net charge-offs | 428.5714% | 745 |
| Earnings coverage of net charge-offs (x) | 58.2857% | 563 |
| Efficiency ratio | 65.4822% | 4,658 |
| Assets per employee ($millions) | 3.8159% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1760% | 1,931 |
| Loan loss allowance to noncurrent loans | 184.8555% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 1.1657% | 4,180 |
| Noncurrent loans to loans | 1.1771% | 4,368 |
| Net loans and leases to total assets | 64.9582% | 2,659 |
| Net loans and leases to deposits | 76.4520% | 2,736 |
| Net loans and leases to core deposits | 77.3912% | 3,413 |
| Total domestic deposits to total assets | 84.9659% | 4,061 |
| Equity capital to assets | 14.6825% | 811 |
| Core capital (leverage) ratio | 14.2833% | 734 |
| Tier 1 risk-based capital ratio | 22.8400% | 1,154 |
| Total risk-based capital ratio | 24.1026% | 1,135 |
| Memoranda: | ||
| Average total assets | $111,952,000 | 4,654 |
| Average earning assets | $104,437,000 | 4,588 |
| Average equity | $16,050,000 | 3,806 |
| Average total loans | $75,188,000 | 4,266 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7502% | 4,030 |
| Cost of funding earning assets | 0.5048% | 6,508 |
| Net interest margin | 4.2453% | 1,906 |
| Noninterest income to average assets | 0.6552% | 2,859 |
| Noninterest expense to average assets | 2.9702% | 3,701 |
| Loan and lease loss provision to assets | 0.2299% | 3,902 |
| Net operating income to assets | 1.4099% | 1,013 |
| Return on assets (ROA) | 1.4099% | 1,088 |
| Pretax return on assets | 1.4099% | 1,750 |
| Return on Equity (ROE) | 9.5495% | 2,227 |
| Retained earnings to average equity (ytd only) | 4.2622% | 3,153 |
| Net charge-offs to loans | 0.0196% | 6,168 |
| Credit loss provision to net charge-offs | 1,600.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 114.1333% | 283 |
| Efficiency ratio | 64.4297% | 5,052 |
| Assets per employee ($millions) | 3.9049% | 4,062 |
| Cash dividends to net income (ytd only)* | 55.3668% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0496% | 2,132 |
| Loan loss allowance to noncurrent loans | 694.2731% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 5,207 |
| Noncurrent loans to loans | 0.2952% | 6,134 |
| Net loans and leases to total assets | 66.5098% | 2,686 |
| Net loans and leases to deposits | 77.6272% | 2,895 |
| Net loans and leases to core deposits | 78.3173% | 3,642 |
| Total domestic deposits to total assets | 85.6785% | 3,495 |
| Equity capital to assets | 13.9983% | 1,063 |
| Core capital (leverage) ratio | 14.0817% | 808 |
| Tier 1 risk-based capital ratio | 21.0962% | 1,393 |
| Total risk-based capital ratio | 22.3578% | 1,368 |
| Memoranda: | ||
| Average total assets | $104,402,800 | 4,780 |
| Average earning assets | $97,259,800 | 4,703 |
| Average equity | $15,414,400 | 3,833 |
| Average total loans | $76,618,600 | 4,248 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 3,837 |
| Cost of funding earning assets | 0.5338% | 6,568 |
| Net interest margin | 4.3050% | 1,696 |
| Noninterest income to average assets | 0.7058% | 2,572 |
| Noninterest expense to average assets | 3.0738% | 3,267 |
| Loan and lease loss provision to assets | 0.2348% | 3,662 |
| Net operating income to assets | 1.4169% | 1,126 |
| Return on assets (ROA) | 1.4169% | 1,194 |
| Pretax return on assets | 1.4169% | 1,891 |
| Return on Equity (ROE) | 9.4607% | 2,404 |
| Retained earnings to average equity (ytd only) | 3.8505% | 3,988 |
| Net charge-offs to loans | 0.0296% | 5,731 |
| Credit loss provision to net charge-offs | 1,058.8235% | 254 |
| Earnings coverage of net charge-offs (x) | 74.4579% | 459 |
| Efficiency ratio | 65.0469% | 4,889 |
| Assets per employee ($millions) | 3.4854% | 5,042 |
| Cash dividends to net income (ytd only)* | 59.3007% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9715% | 2,415 |
| Loan loss allowance to noncurrent loans | 1,328.0702% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 5,390 |
| Noncurrent loans to loans | 0.1484% | 6,576 |
| Net loans and leases to total assets | 71.9982% | 1,701 |
| Net loans and leases to deposits | 85.1106% | 1,820 |
| Net loans and leases to core deposits | 85.7612% | 2,810 |
| Total domestic deposits to total assets | 84.5937% | 3,967 |
| Equity capital to assets | 14.9568% | 860 |
| Core capital (leverage) ratio | 14.7871% | 708 |
| Tier 1 risk-based capital ratio | 21.1614% | 1,426 |
| Total risk-based capital ratio | 22.4226% | 1,401 |
| Memoranda: | ||
| Average total assets | $102,193,000 | 4,862 |
| Average earning assets | $95,421,500 | 4,808 |
| Average equity | $15,305,000 | 3,861 |
| Average total loans | $76,550,000 | 4,295 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8552% | 3,842 |
| Cost of funding earning assets | 0.5594% | 6,627 |
| Net interest margin | 4.2958% | 1,676 |
| Noninterest income to average assets | 0.6666% | 2,733 |
| Noninterest expense to average assets | 3.1241% | 3,164 |
| Loan and lease loss provision to assets | 0.2367% | 3,546 |
| Net operating income to assets | 1.3195% | 1,272 |
| Return on assets (ROA) | 1.3195% | 1,346 |
| Pretax return on assets | 1.3195% | 2,079 |
| Return on Equity (ROE) | 8.8063% | 2,595 |
| Retained earnings to average equity (ytd only) | 2.5800% | 4,655 |
| Net charge-offs to loans | 0.0366% | 5,341 |
| Credit loss provision to net charge-offs | 857.1429% | 376 |
| Earnings coverage of net charge-offs (x) | 56.3571% | 566 |
| Efficiency ratio | 66.7509% | 4,734 |
| Assets per employee ($millions) | 3.3754% | 5,265 |
| Cash dividends to net income (ytd only)* | 70.7025% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9065% | 2,647 |
| Loan loss allowance to noncurrent loans | 272.8464% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 5,183 |
| Noncurrent loans to loans | 0.6988% | 5,510 |
| Net loans and leases to total assets | 74.0297% | 1,412 |
| Net loans and leases to deposits | 87.7593% | 1,535 |
| Net loans and leases to core deposits | 88.7284% | 2,535 |
| Total domestic deposits to total assets | 84.3554% | 4,190 |
| Equity capital to assets | 15.1715% | 775 |
| Core capital (leverage) ratio | 14.6725% | 731 |
| Tier 1 risk-based capital ratio | 20.7852% | 1,458 |
| Total risk-based capital ratio | 22.0444% | 1,431 |
| Memoranda: | ||
| Average total assets | $101,403,670 | 4,920 |
| Average earning assets | $94,744,670 | 4,860 |
| Average equity | $15,193,670 | 3,874 |
| Average total loans | $76,468,000 | 4,330 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 3,796 |
| Cost of funding earning assets | 0.5778% | 6,698 |
| Net interest margin | 4.2767% | 1,636 |
| Noninterest income to average assets | 0.6228% | 3,022 |
| Noninterest expense to average assets | 3.0747% | 3,361 |
| Loan and lease loss provision to assets | 0.2365% | 3,295 |
| Net operating income to assets | 1.3087% | 1,247 |
| Return on assets (ROA) | 1.3087% | 1,291 |
| Pretax return on assets | 1.3087% | 2,018 |
| Return on Equity (ROE) | 8.7895% | 2,564 |
| Retained earnings to average equity (ytd only) | 4.5006% | 3,471 |
| Net charge-offs to loans | 0.0105% | 4,950 |
| Credit loss provision to net charge-offs | 3,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 157 |
| Efficiency ratio | 66.5529% | 4,937 |
| Assets per employee ($millions) | 3.3722% | 5,316 |
| Cash dividends to net income (ytd only)* | 48.7952% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8834% | 2,752 |
| Loan loss allowance to noncurrent loans | 1,214.6552% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 6,098 |
| Noncurrent loans to loans | 0.1551% | 6,667 |
| Net loans and leases to total assets | 72.5560% | 1,600 |
| Net loans and leases to deposits | 85.8051% | 1,762 |
| Net loans and leases to core deposits | 86.7451% | 2,766 |
| Total domestic deposits to total assets | 84.5590% | 4,246 |
| Equity capital to assets | 15.0169% | 763 |
| Core capital (leverage) ratio | 14.7850% | 696 |
| Tier 1 risk-based capital ratio | 20.8560% | 1,423 |
| Total risk-based capital ratio | 22.1146% | 1,398 |
| Memoranda: | ||
| Average total assets | $101,474,500 | 4,962 |
| Average earning assets | $94,839,500 | 4,893 |
| Average equity | $15,109,000 | 3,882 |
| Average total loans | $76,491,500 | 4,372 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3729% | 2,796 |
| Cost of funding earning assets | 0.7802% | 6,646 |
| Net interest margin | 4.5928% | 1,028 |
| Noninterest income to average assets | 0.7041% | 2,822 |
| Noninterest expense to average assets | 3.1684% | 3,197 |
| Loan and lease loss provision to assets | 0.2435% | 4,856 |
| Net operating income to assets | 1.5745% | 653 |
| Return on assets (ROA) | 1.5745% | 715 |
| Pretax return on assets | 1.5745% | 1,191 |
| Return on Equity (ROE) | 10.6862% | 1,693 |
| Retained earnings to average equity (ytd only) | 7.4776% | 1,154 |
| Net charge-offs to loans | 0.3557% | 4,240 |
| Credit loss provision to net charge-offs | 85.1064% | 5,339 |
| Earnings coverage of net charge-offs (x) | 6.3546% | 2,376 |
| Efficiency ratio | 63.5402% | 5,427 |
| Assets per employee ($millions) | 3.3928% | 5,192 |
| Cash dividends to net income (ytd only)* | 30.0258% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7282% | 3,111 |
| Loan loss allowance to noncurrent loans | 1,930.0000% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 6,277 |
| Noncurrent loans to loans | 0.0895% | 6,910 |
| Net loans and leases to total assets | 75.4753% | 1,384 |
| Net loans and leases to deposits | 88.9843% | 1,653 |
| Net loans and leases to core deposits | 89.9501% | 2,773 |
| Total domestic deposits to total assets | 84.8187% | 3,940 |
| Equity capital to assets | 14.7628% | 846 |
| Core capital (leverage) ratio | 14.4822% | 751 |
| Tier 1 risk-based capital ratio | 19.7730% | 1,534 |
| Total risk-based capital ratio | 21.0296% | 1,500 |
| Memoranda: | ||
| Average total assets | $98,568,200 | 5,029 |
| Average earning assets | $91,905,000 | 4,946 |
| Average equity | $14,523,400 | 4,029 |
| Average total loans | $79,276,600 | 4,360 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4484% | 2,653 |
| Cost of funding earning assets | 0.8174% | 6,700 |
| Net interest margin | 4.6310% | 977 |
| Noninterest income to average assets | 0.7242% | 2,682 |
| Noninterest expense to average assets | 3.1613% | 3,064 |
| Loan and lease loss provision to assets | 0.2455% | 4,635 |
| Net operating income to assets | 1.6365% | 689 |
| Return on assets (ROA) | 1.6365% | 756 |
| Pretax return on assets | 1.6365% | 1,258 |
| Return on Equity (ROE) | 11.1126% | 1,751 |
| Retained earnings to average equity (ytd only) | 6.7972% | 1,946 |
| Net charge-offs to loans | 0.2129% | 4,663 |
| Credit loss provision to net charge-offs | 141.7323% | 2,790 |
| Earnings coverage of net charge-offs (x) | 10.8661% | 1,843 |
| Efficiency ratio | 62.6825% | 5,489 |
| Assets per employee ($millions) | 3.3129% | 5,422 |
| Cash dividends to net income (ytd only)* | 38.8335% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 2,679 |
| Loan loss allowance to noncurrent loans | 352.6829% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.6570% | 5,817 |
| Noncurrent loans to loans | 0.5199% | 6,155 |
| Net loans and leases to total assets | 77.8923% | 1,054 |
| Net loans and leases to deposits | 92.0095% | 1,445 |
| Net loans and leases to core deposits | 93.1005% | 2,648 |
| Total domestic deposits to total assets | 84.6568% | 3,797 |
| Equity capital to assets | 14.8321% | 938 |
| Core capital (leverage) ratio | 14.6282% | 791 |
| Tier 1 risk-based capital ratio | 19.6085% | 1,624 |
| Total risk-based capital ratio | 20.8673% | 1,594 |
| Memoranda: | ||
| Average total assets | $97,764,500 | 5,117 |
| Average earning assets | $91,180,750 | 5,036 |
| Average equity | $14,397,750 | 4,111 |
| Average total loans | $79,552,750 | 4,415 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4492% | 2,755 |
| Cost of funding earning assets | 0.8421% | 6,777 |
| Net interest margin | 4.6072% | 979 |
| Noninterest income to average assets | 0.7241% | 2,554 |
| Noninterest expense to average assets | 3.1926% | 2,925 |
| Loan and lease loss provision to assets | 0.2469% | 4,461 |
| Net operating income to assets | 1.5840% | 751 |
| Return on assets (ROA) | 1.5840% | 808 |
| Pretax return on assets | 1.5840% | 1,344 |
| Return on Equity (ROE) | 10.7818% | 1,827 |
| Retained earnings to average equity (ytd only) | 6.5531% | 2,051 |
| Net charge-offs to loans | 0.0050% | 6,304 |
| Credit loss provision to net charge-offs | 6,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 445.0000% | 74 |
| Efficiency ratio | 63.5545% | 5,420 |
| Assets per employee ($millions) | 3.1081% | 5,899 |
| Cash dividends to net income (ytd only)* | 39.2208% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 2,587 |
| Loan loss allowance to noncurrent loans | 590.2344% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 6,035 |
| Noncurrent loans to loans | 0.3124% | 6,603 |
| Net loans and leases to total assets | 83.4876% | 395 |
| Net loans and leases to deposits | 101.0768% | 647 |
| Net loans and leases to core deposits | 102.3396% | 1,795 |
| Total domestic deposits to total assets | 82.5982% | 4,739 |
| Equity capital to assets | 15.0262% | 877 |
| Core capital (leverage) ratio | 14.8809% | 748 |
| Tier 1 risk-based capital ratio | 18.5235% | 1,826 |
| Total risk-based capital ratio | 19.7820% | 1,789 |
| Memoranda: | ||
| Average total assets | $97,224,000 | 5,161 |
| Average earning assets | $90,728,330 | 5,070 |
| Average equity | $14,283,330 | 4,140 |
| Average total loans | $79,783,670 | 4,445 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3843% | 3,118 |
| Cost of funding earning assets | 0.8791% | 6,845 |
| Net interest margin | 4.5052% | 1,126 |
| Noninterest income to average assets | 0.6471% | 2,954 |
| Noninterest expense to average assets | 3.2480% | 2,709 |
| Loan and lease loss provision to assets | 0.2458% | 4,079 |
| Net operating income to assets | 1.3516% | 1,182 |
| Return on assets (ROA) | 1.3516% | 1,252 |
| Pretax return on assets | 1.3516% | 1,896 |
| Return on Equity (ROE) | 9.3049% | 2,374 |
| Retained earnings to average equity (ytd only) | 9.3049% | 1,317 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0330% | 4,910 |
| Assets per employee ($millions) | 3.1750% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 2,533 |
| Loan loss allowance to noncurrent loans | 1,045.3237% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 6,518 |
| Noncurrent loans to loans | 0.1786% | 6,979 |
| Net loans and leases to total assets | 80.1713% | 822 |
| Net loans and leases to deposits | 94.9659% | 1,236 |
| Net loans and leases to core deposits | 97.3571% | 2,414 |
| Total domestic deposits to total assets | 84.4212% | 3,934 |
| Equity capital to assets | 15.0602% | 869 |
| Core capital (leverage) ratio | 14.5341% | 847 |
| Tier 1 risk-based capital ratio | 19.4669% | 1,621 |
| Total risk-based capital ratio | 20.7261% | 1,598 |
| Memoranda: | ||
| Average total assets | $97,660,000 | 5,220 |
| Average earning assets | $91,005,500 | 5,135 |
| Average equity | $14,186,000 | 4,202 |
| Average total loans | $78,699,000 | 4,554 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8843% | 2,305 |
| Cost of funding earning assets | 1.1408% | 6,850 |
| Net interest margin | 4.7436% | 774 |
| Noninterest income to average assets | 0.7612% | 2,610 |
| Noninterest expense to average assets | 3.2790% | 3,084 |
| Loan and lease loss provision to assets | 0.2544% | 5,360 |
| Net operating income to assets | 1.6315% | 506 |
| Return on assets (ROA) | 1.6315% | 537 |
| Pretax return on assets | 1.6315% | 898 |
| Return on Equity (ROE) | 11.3868% | 1,324 |
| Retained earnings to average equity (ytd only) | 6.6220% | 1,108 |
| Net charge-offs to loans | 0.1912% | 5,453 |
| Credit loss provision to net charge-offs | 154.8387% | 2,943 |
| Earnings coverage of net charge-offs (x) | 11.4774% | 1,587 |
| Efficiency ratio | 63.4852% | 5,870 |
| Assets per employee ($millions) | 3.3356% | 5,412 |
| Cash dividends to net income (ytd only)* | 41.8454% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 2,708 |
| Loan loss allowance to noncurrent loans | 1,582.9545% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 6,491 |
| Noncurrent loans to loans | 0.1106% | 7,139 |
| Net loans and leases to total assets | 78.1341% | 1,351 |
| Net loans and leases to deposits | 91.4084% | 1,983 |
| Net loans and leases to core deposits | 102.4919% | 3,747 |
| Total domestic deposits to total assets | 85.4780% | 3,306 |
| Equity capital to assets | 14.0173% | 1,164 |
| Core capital (leverage) ratio | 14.7123% | 837 |
| Tier 1 risk-based capital ratio | 18.6009% | 1,734 |
| Total risk-based capital ratio | 19.8590% | 1,698 |
| Memoranda: | ||
| Average total assets | $94,328,600 | 5,261 |
| Average earning assets | $87,571,400 | 5,208 |
| Average equity | $13,515,600 | 4,381 |
| Average total loans | $81,083,000 | 4,468 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9917% | 2,073 |
| Cost of funding earning assets | 1.1980% | 6,895 |
| Net interest margin | 4.7936% | 691 |
| Noninterest income to average assets | 0.7894% | 2,490 |
| Noninterest expense to average assets | 3.3988% | 2,580 |
| Loan and lease loss provision to assets | 0.2583% | 4,890 |
| Net operating income to assets | 1.5831% | 684 |
| Return on assets (ROA) | 1.5831% | 738 |
| Pretax return on assets | 1.5831% | 1,208 |
| Return on Equity (ROE) | 10.9849% | 1,624 |
| Retained earnings to average equity (ytd only) | 4.5712% | 2,721 |
| Net charge-offs to loans | 0.1915% | 4,865 |
| Credit loss provision to net charge-offs | 153.8462% | 3,110 |
| Earnings coverage of net charge-offs (x) | 10.9655% | 1,897 |
| Efficiency ratio | 64.8589% | 5,577 |
| Assets per employee ($millions) | 3.0493% | 6,042 |
| Cash dividends to net income (ytd only)* | 58.3865% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7067% | 2,602 |
| Loan loss allowance to noncurrent loans | 841.1043% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 6,386 |
| Noncurrent loans to loans | 0.2029% | 6,991 |
| Net loans and leases to total assets | 83.5308% | 604 |
| Net loans and leases to deposits | 98.2566% | 1,297 |
| Net loans and leases to core deposits | 111.8699% | 3,036 |
| Total domestic deposits to total assets | 85.0129% | 3,229 |
| Equity capital to assets | 14.3629% | 1,182 |
| Core capital (leverage) ratio | 14.2285% | 1,029 |
| Tier 1 risk-based capital ratio | 18.0950% | 1,954 |
| Total risk-based capital ratio | 19.3522% | 1,909 |
| Memoranda: | ||
| Average total assets | $92,893,500 | 5,340 |
| Average earning assets | $86,251,000 | 5,296 |
| Average equity | $13,387,750 | 4,437 |
| Average total loans | $81,458,500 | 4,508 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0475% | 1,994 |
| Cost of funding earning assets | 1.2423% | 6,986 |
| Net interest margin | 4.8053% | 646 |
| Noninterest income to average assets | 0.7732% | 2,566 |
| Noninterest expense to average assets | 3.4500% | 2,492 |
| Loan and lease loss provision to assets | 0.2599% | 4,500 |
| Net operating income to assets | 1.5117% | 813 |
| Return on assets (ROA) | 1.5117% | 872 |
| Pretax return on assets | 1.5117% | 1,415 |
| Return on Equity (ROE) | 10.4768% | 1,856 |
| Retained earnings to average equity (ytd only) | 3.8875% | 3,120 |
| Net charge-offs to loans | 0.1980% | 4,297 |
| Credit loss provision to net charge-offs | 148.1481% | 3,117 |
| Earnings coverage of net charge-offs (x) | 10.0988% | 2,035 |
| Efficiency ratio | 66.0722% | 5,536 |
| Assets per employee ($millions) | 2.8521% | 6,506 |
| Cash dividends to net income (ytd only)* | 62.8940% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6936% | 2,376 |
| Loan loss allowance to noncurrent loans | 935.4167% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 6,376 |
| Noncurrent loans to loans | 0.1811% | 7,065 |
| Net loans and leases to total assets | 85.6675% | 415 |
| Net loans and leases to deposits | 101.2313% | 1,150 |
| Net loans and leases to core deposits | 111.1558% | 3,238 |
| Total domestic deposits to total assets | 84.6255% | 3,432 |
| Equity capital to assets | 14.6546% | 1,125 |
| Core capital (leverage) ratio | 14.3825% | 1,048 |
| Tier 1 risk-based capital ratio | 18.2724% | 1,941 |
| Total risk-based capital ratio | 19.5306% | 1,889 |
| Memoranda: | ||
| Average total assets | $92,348,670 | 5,392 |
| Average earning assets | $85,489,670 | 5,358 |
| Average equity | $13,324,670 | 4,463 |
| Average total loans | $81,834,330 | 4,531 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1478% | 1,772 |
| Cost of funding earning assets | 1.2913% | 7,039 |
| Net interest margin | 4.8565% | 545 |
| Noninterest income to average assets | 0.7579% | 2,554 |
| Noninterest expense to average assets | 3.2943% | 2,672 |
| Loan and lease loss provision to assets | 0.2584% | 3,899 |
| Net operating income to assets | 1.6751% | 684 |
| Return on assets (ROA) | 1.6751% | 751 |
| Pretax return on assets | 1.6751% | 1,231 |
| Return on Equity (ROE) | 11.6997% | 1,759 |
| Retained earnings to average equity (ytd only) | 11.6997% | 848 |
| Net charge-offs to loans | 0.3471% | 2,697 |
| Credit loss provision to net charge-offs | 83.3333% | 4,133 |
| Earnings coverage of net charge-offs (x) | 6.2361% | 2,524 |
| Efficiency ratio | 63.0148% | 5,870 |
| Assets per employee ($millions) | 2.9250% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 2,618 |
| Loan loss allowance to noncurrent loans | 568.4211% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 6,222 |
| Noncurrent loans to loans | 0.2775% | 6,744 |
| Net loans and leases to total assets | 89.1945% | 181 |
| Net loans and leases to deposits | 105.6235% | 897 |
| Net loans and leases to core deposits | 117.1415% | 2,670 |
| Total domestic deposits to total assets | 84.4457% | 3,490 |
| Equity capital to assets | 14.8838% | 1,134 |
| Core capital (leverage) ratio | 14.4995% | 1,086 |
| Tier 1 risk-based capital ratio | 17.8495% | 2,095 |
| Total risk-based capital ratio | 19.1023% | 2,037 |
| Memoranda: | ||
| Average total assets | $92,889,000 | 5,403 |
| Average earning assets | $85,493,500 | 5,380 |
| Average equity | $13,299,500 | 4,505 |
| Average total loans | $82,984,500 | 4,529 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8395% | 1,556 |
| Cost of funding earning assets | 1.9874% | 6,449 |
| Net interest margin | 4.8521% | 702 |
| Noninterest income to average assets | 0.8715% | 2,099 |
| Noninterest expense to average assets | 3.2898% | 2,995 |
| Loan and lease loss provision to assets | 0.3234% | 3,789 |
| Net operating income to assets | 1.7387% | 622 |
| Return on assets (ROA) | 1.7398% | 596 |
| Pretax return on assets | 1.7398% | 1,066 |
| Return on Equity (ROE) | 12.8337% | 1,375 |
| Retained earnings to average equity (ytd only) | 4.0277% | 2,626 |
| Net charge-offs to loans | 0.2755% | 3,562 |
| Credit loss provision to net charge-offs | 129.7872% | 4,101 |
| Earnings coverage of net charge-offs (x) | 8.2766% | 2,908 |
| Efficiency ratio | 61.4699% | 6,053 |
| Assets per employee ($millions) | 3.0678% | 5,868 |
| Cash dividends to net income (ytd only)* | 68.6167% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 2,393 |
| Loan loss allowance to noncurrent loans | 860.5263% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 6,155 |
| Noncurrent loans to loans | 0.1814% | 6,845 |
| Net loans and leases to total assets | 86.7353% | 503 |
| Net loans and leases to deposits | 102.6124% | 1,517 |
| Net loans and leases to core deposits | 112.0884% | 3,553 |
| Total domestic deposits to total assets | 84.5271% | 3,061 |
| Equity capital to assets | 13.7778% | 1,505 |
| Core capital (leverage) ratio | 13.8392% | 1,299 |
| Tier 1 risk-based capital ratio | 16.8619% | 2,354 |
| Total risk-based capital ratio | 18.1177% | 2,296 |
| Memoranda: | ||
| Average total assets | $94,320,800 | 5,217 |
| Average earning assets | $87,096,800 | 5,184 |
| Average equity | $12,786,600 | 4,624 |
| Average total loans | $85,307,800 | 4,353 |