Home > First Missouri State Bank of Cape County > Performance and Condition Ratios
First Missouri State Bank of Cape County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2969% | 1,498 |
| Cost of funding earning assets | 1.7986% | 1,249 |
| Net interest margin | 3.4983% | 2,184 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.4085% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1298% | 1,833 |
| Return on assets (ROA) | 1.1298% | 1,814 |
| Pretax return on assets | 1.1298% | 2,320 |
| Return on Equity (ROE) | 13.5800% | 1,585 |
| Retained earnings to average equity (ytd only) | 10.8757% | 820 |
| Net charge-offs to loans | -0.0073% | 3,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.0701% | 2,101 |
| Assets per employee ($millions) | 5.3151% | 3,379 |
| Cash dividends to net income (ytd only)* | 19.9115% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 1,856 |
| Loan loss allowance to noncurrent loans | 1,633.5878% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 2,759 |
| Noncurrent loans to loans | 0.0786% | 3,157 |
| Net loans and leases to total assets | 81.4900% | 477 |
| Net loans and leases to deposits | 94.1714% | 926 |
| Net loans and leases to core deposits | 124.7357% | 515 |
| Total domestic deposits to total assets | 86.5400% | 1,839 |
| Equity capital to assets | 8.7007% | 2,901 |
| Core capital (leverage) ratio | 9.2224% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $200,041,800 | 2,992 |
| Average earning assets | $189,036,800 | 2,955 |
| Average equity | $16,642,600 | 3,122 |
| Average total loans | $163,981,800 | 2,564 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1240% | 1,585 |
| Cost of funding earning assets | 1.5968% | 1,378 |
| Net interest margin | 3.5272% | 2,154 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.3852% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1953% | 1,810 |
| Return on assets (ROA) | 1.1953% | 1,796 |
| Pretax return on assets | 1.1953% | 2,309 |
| Return on Equity (ROE) | 14.5400% | 1,538 |
| Retained earnings to average equity (ytd only) | 13.7230% | 712 |
| Net charge-offs to loans | -0.0082% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.6169% | 2,204 |
| Assets per employee ($millions) | 5.2762% | 3,370 |
| Cash dividends to net income (ytd only)* | 5.5897% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 1,791 |
| Loan loss allowance to noncurrent loans | 862.0968% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 2,737 |
| Noncurrent loans to loans | 0.1527% | 2,790 |
| Net loans and leases to total assets | 79.9600% | 653 |
| Net loans and leases to deposits | 92.3762% | 1,021 |
| Net loans and leases to core deposits | 121.6856% | 508 |
| Total domestic deposits to total assets | 86.5500% | 2,025 |
| Equity capital to assets | 8.4407% | 2,754 |
| Core capital (leverage) ratio | 9.4426% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $199,559,250 | 2,999 |
| Average earning assets | $188,624,250 | 2,961 |
| Average equity | $16,410,000 | 3,134 |
| Average total loans | $163,294,750 | 2,579 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9764% | 1,602 |
| Cost of funding earning assets | 1.4425% | 1,361 |
| Net interest margin | 3.5339% | 2,194 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.3559% | 2,637 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2226% | 1,767 |
| Return on assets (ROA) | 1.2226% | 1,760 |
| Pretax return on assets | 1.2226% | 2,307 |
| Return on Equity (ROE) | 15.0000% | 1,467 |
| Retained earnings to average equity (ytd only) | 15.0009% | 561 |
| Net charge-offs to loans | -0.0098% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.8345% | 2,261 |
| Assets per employee ($millions) | 5.8851% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 1,838 |
| Loan loss allowance to noncurrent loans | 785.2941% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 2,624 |
| Noncurrent loans to loans | 0.1682% | 2,638 |
| Net loans and leases to total assets | 77.4800% | 891 |
| Net loans and leases to deposits | 88.8646% | 1,276 |
| Net loans and leases to core deposits | 109.3915% | 854 |
| Total domestic deposits to total assets | 87.1900% | 1,873 |
| Equity capital to assets | 8.1542% | 3,114 |
| Core capital (leverage) ratio | 9.1660% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $199,247,667 | 3,008 |
| Average earning assets | $188,289,667 | 2,970 |
| Average equity | $16,239,000 | 3,168 |
| Average total loans | $163,578,667 | 2,568 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7842% | 1,662 |
| Cost of funding earning assets | 1.2139% | 1,418 |
| Net interest margin | 3.5703% | 2,190 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.3994% | 2,532 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1538% | 2,054 |
| Return on assets (ROA) | 1.1538% | 2,020 |
| Pretax return on assets | 1.1538% | 2,550 |
| Return on Equity (ROE) | 14.1600% | 1,749 |
| Retained earnings to average equity (ytd only) | 14.1600% | 920 |
| Net charge-offs to loans | -0.0146% | 3,984 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.5287% | 2,029 |
| Assets per employee ($millions) | 5.6978% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 2,048 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 79.1700% | 622 |
| Net loans and leases to deposits | 90.7098% | 997 |
| Net loans and leases to core deposits | 114.2067% | 577 |
| Total domestic deposits to total assets | 87.2700% | 2,170 |
| Equity capital to assets | 7.9504% | 3,271 |
| Core capital (leverage) ratio | 9.2323% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $195,881,500 | 3,065 |
| Average earning assets | $184,859,500 | 3,029 |
| Average equity | $15,960,500 | 3,219 |
| Average total loans | $164,500,000 | 2,592 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 1,421 |
| Cost of funding earning assets | 0.4746% | 1,554 |
| Net interest margin | 3.6499% | 1,493 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.5042% | 2,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2573% | 1,576 |
| Return on assets (ROA) | 1.2573% | 1,522 |
| Pretax return on assets | 1.2573% | 2,251 |
| Return on Equity (ROE) | 14.9800% | 1,260 |
| Retained earnings to average equity (ytd only) | 5.1882% | 2,967 |
| Net charge-offs to loans | -0.0070% | 3,708 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.5165% | 2,146 |
| Assets per employee ($millions) | 5.3326% | 3,383 |
| Cash dividends to net income (ytd only)* | 65.3612% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 1,928 |
| Loan loss allowance to noncurrent loans | 4,256.0000% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 3,551 |
| Noncurrent loans to loans | 0.0304% | 3,568 |
| Net loans and leases to total assets | 86.9900% | 108 |
| Net loans and leases to deposits | 97.3929% | 559 |
| Net loans and leases to core deposits | 115.4495% | 456 |
| Total domestic deposits to total assets | 89.3100% | 1,630 |
| Equity capital to assets | 8.3652% | 2,800 |
| Core capital (leverage) ratio | 9.1985% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $182,770,400 | 3,160 |
| Average earning assets | $171,922,800 | 3,131 |
| Average equity | $15,342,600 | 3,338 |
| Average total loans | $156,112,400 | 2,578 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 1,392 |
| Cost of funding earning assets | 0.3361% | 1,811 |
| Net interest margin | 3.6007% | 1,390 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.5082% | 1,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2592% | 1,498 |
| Return on assets (ROA) | 1.2592% | 1,464 |
| Pretax return on assets | 1.2592% | 2,177 |
| Return on Equity (ROE) | 14.9900% | 1,179 |
| Retained earnings to average equity (ytd only) | 1.8941% | 4,056 |
| Net charge-offs to loans | -0.0078% | 3,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.4982% | 2,216 |
| Assets per employee ($millions) | 5.0348% | 3,643 |
| Cash dividends to net income (ytd only)* | 87.3617% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 1,803 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 85.6900% | 142 |
| Net loans and leases to deposits | 95.6285% | 572 |
| Net loans and leases to core deposits | 109.0021% | 498 |
| Total domestic deposits to total assets | 89.6100% | 1,824 |
| Equity capital to assets | 8.1715% | 2,778 |
| Core capital (leverage) ratio | 9.1185% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0496% | 3,031 |
| Memoranda: | ||
| Average total assets | $181,802,500 | 3,192 |
| Average earning assets | $171,000,250 | 3,163 |
| Average equity | $15,275,000 | 3,386 |
| Average total loans | $154,020,500 | 2,595 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7628% | 1,388 |
| Cost of funding earning assets | 0.3272% | 1,462 |
| Net interest margin | 3.4356% | 1,497 |
| Noninterest income to average assets | 0.4055% | 2,723 |
| Noninterest expense to average assets | 2.4804% | 1,996 |
| Loan and lease loss provision to assets | 0.0066% | 2,480 |
| Net operating income to assets | 1.1495% | 1,602 |
| Return on assets (ROA) | 1.1495% | 1,582 |
| Pretax return on assets | 1.1495% | 2,243 |
| Return on Equity (ROE) | 13.5583% | 1,221 |
| Retained earnings to average equity (ytd only) | -5.8848% | 4,567 |
| Net charge-offs to loans | -0.0144% | 3,746 |
| Credit loss provision to net charge-offs | -54.5455% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2079% | 2,211 |
| Assets per employee ($millions) | 5.0854% | 3,602 |
| Cash dividends to net income (ytd only)* | 143.4034% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 1,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 79.5275% | 442 |
| Net loans and leases to deposits | 88.0084% | 828 |
| Net loans and leases to core deposits | 98.3484% | 748 |
| Total domestic deposits to total assets | 90.3635% | 1,532 |
| Equity capital to assets | 7.7354% | 3,319 |
| Core capital (leverage) ratio | 8.4962% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8266% | 3,034 |
| Memoranda: | ||
| Average total assets | $181,985,667 | 3,227 |
| Average earning assets | $171,148,333 | 3,205 |
| Average equity | $15,429,667 | 3,459 |
| Average total loans | $152,880,000 | 2,615 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7893% | 1,103 |
| Cost of funding earning assets | 0.3334% | 1,335 |
| Net interest margin | 3.4559% | 1,170 |
| Noninterest income to average assets | 0.3712% | 2,863 |
| Noninterest expense to average assets | 2.4260% | 2,086 |
| Loan and lease loss provision to assets | 0.0134% | 2,103 |
| Net operating income to assets | 1.1761% | 1,312 |
| Return on assets (ROA) | 1.1761% | 1,310 |
| Pretax return on assets | 1.1761% | 1,891 |
| Return on Equity (ROE) | 13.2602% | 986 |
| Retained earnings to average equity (ytd only) | -0.6050% | 4,099 |
| Net charge-offs to loans | -0.0235% | 3,987 |
| Credit loss provision to net charge-offs | -66.6667% | 2,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0996% | 2,620 |
| Assets per employee ($millions) | 5.1057% | 3,659 |
| Cash dividends to net income (ytd only)* | 104.5627% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 1,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 84.4444% | 76 |
| Net loans and leases to deposits | 93.6390% | 379 |
| Net loans and leases to core deposits | 103.7640% | 405 |
| Total domestic deposits to total assets | 90.1808% | 1,456 |
| Equity capital to assets | 8.6776% | 2,996 |
| Core capital (leverage) ratio | 9.0354% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0838% | 3,040 |
| Memoranda: | ||
| Average total assets | $178,898,500 | 3,263 |
| Average earning assets | $167,945,000 | 3,249 |
| Average equity | $15,867,000 | 3,483 |
| Average total loans | $153,436,500 | 2,604 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 1,716 |
| Cost of funding earning assets | 0.4686% | 1,068 |
| Net interest margin | 3.3969% | 2,043 |
| Noninterest income to average assets | 1.0162% | 970 |
| Noninterest expense to average assets | 2.6381% | 1,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5900% | 838 |
| Return on assets (ROA) | 1.5900% | 868 |
| Pretax return on assets | 1.5900% | 1,453 |
| Return on Equity (ROE) | 17.1378% | 567 |
| Retained earnings to average equity (ytd only) | -3.9382% | 4,682 |
| Net charge-offs to loans | -0.0062% | 3,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3943% | 2,801 |
| Assets per employee ($millions) | 5.5968% | 3,166 |
| Cash dividends to net income (ytd only)* | 122.9796% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 2,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 84.7216% | 88 |
| Net loans and leases to deposits | 93.9198% | 386 |
| Net loans and leases to core deposits | 103.2429% | 426 |
| Total domestic deposits to total assets | 90.2064% | 865 |
| Equity capital to assets | 9.0605% | 3,553 |
| Core capital (leverage) ratio | 8.7994% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1687% | 3,027 |
| Memoranda: | ||
| Average total assets | $178,994,000 | 3,217 |
| Average earning assets | $169,240,400 | 3,195 |
| Average equity | $16,606,600 | 3,493 |
| Average total loans | $144,488,400 | 2,684 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7596% | 2,123 |
| Cost of funding earning assets | 0.4829% | 1,148 |
| Net interest margin | 3.2767% | 2,490 |
| Noninterest income to average assets | 1.2114% | 777 |
| Noninterest expense to average assets | 2.6805% | 1,637 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6345% | 947 |
| Return on assets (ROA) | 1.6345% | 998 |
| Pretax return on assets | 1.6345% | 1,596 |
| Return on Equity (ROE) | 17.5150% | 685 |
| Retained earnings to average equity (ytd only) | -2.4349% | 4,714 |
| Net charge-offs to loans | -0.0047% | 3,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1202% | 2,676 |
| Assets per employee ($millions) | 5.1234% | 3,575 |
| Cash dividends to net income (ytd only)* | 113.9015% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 81.0712% | 240 |
| Net loans and leases to deposits | 90.0780% | 604 |
| Net loans and leases to core deposits | 98.2317% | 651 |
| Total domestic deposits to total assets | 90.0011% | 773 |
| Equity capital to assets | 9.2924% | 3,563 |
| Core capital (leverage) ratio | 9.1446% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1687% | 2,931 |
| Memoranda: | ||
| Average total assets | $178,968,500 | 3,249 |
| Average earning assets | $169,516,000 | 3,221 |
| Average equity | $16,701,500 | 3,536 |
| Average total loans | $142,149,500 | 2,744 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7501% | 2,204 |
| Cost of funding earning assets | 0.4971% | 1,220 |
| Net interest margin | 3.2530% | 2,603 |
| Noninterest income to average assets | 0.9483% | 1,160 |
| Noninterest expense to average assets | 2.6704% | 1,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3587% | 1,680 |
| Return on assets (ROA) | 1.3587% | 1,762 |
| Pretax return on assets | 1.3587% | 2,442 |
| Return on Equity (ROE) | 14.5384% | 1,274 |
| Retained earnings to average equity (ytd only) | -9.3931% | 4,865 |
| Net charge-offs to loans | -0.0014% | 3,131 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2781% | 2,108 |
| Assets per employee ($millions) | 5.0503% | 3,618 |
| Cash dividends to net income (ytd only)* | 164.6091% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 1,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 75.2672% | 654 |
| Net loans and leases to deposits | 85.3667% | 955 |
| Net loans and leases to core deposits | 93.0395% | 952 |
| Total domestic deposits to total assets | 88.1693% | 1,742 |
| Equity capital to assets | 8.6936% | 4,052 |
| Core capital (leverage) ratio | 8.7711% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2548% | 2,909 |
| Memoranda: | ||
| Average total assets | $178,851,667 | 3,257 |
| Average earning assets | $169,380,000 | 3,230 |
| Average equity | $16,714,333 | 3,541 |
| Average total loans | $140,371,667 | 2,778 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 1,533 |
| Cost of funding earning assets | 0.5297% | 1,206 |
| Net interest margin | 3.5093% | 1,800 |
| Noninterest income to average assets | 0.6360% | 2,072 |
| Noninterest expense to average assets | 2.3998% | 2,492 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5556% | 1,207 |
| Return on assets (ROA) | 1.5556% | 1,271 |
| Pretax return on assets | 1.5556% | 1,843 |
| Return on Equity (ROE) | 16.0481% | 1,003 |
| Retained earnings to average equity (ytd only) | -7.5521% | 4,764 |
| Net charge-offs to loans | -0.0172% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6709% | 2,957 |
| Assets per employee ($millions) | 4.8496% | 3,800 |
| Cash dividends to net income (ytd only)* | 147.0588% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 1,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 76.6755% | 573 |
| Net loans and leases to deposits | 86.3894% | 940 |
| Net loans and leases to core deposits | 95.2645% | 919 |
| Total domestic deposits to total assets | 88.7558% | 1,464 |
| Equity capital to assets | 9.3015% | 3,387 |
| Core capital (leverage) ratio | 9.5972% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0163% | 2,656 |
| Memoranda: | ||
| Average total assets | $174,847,000 | 3,290 |
| Average earning assets | $165,388,000 | 3,262 |
| Average equity | $16,949,000 | 3,513 |
| Average total loans | $139,183,500 | 2,795 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 2,413 |
| Cost of funding earning assets | 1.0623% | 469 |
| Net interest margin | 3.0417% | 3,778 |
| Noninterest income to average assets | 1.5954% | 486 |
| Noninterest expense to average assets | 2.6902% | 2,268 |
| Loan and lease loss provision to assets | 0.1298% | 2,739 |
| Net operating income to assets | 1.6487% | 575 |
| Return on assets (ROA) | 1.6487% | 620 |
| Pretax return on assets | 1.6487% | 957 |
| Return on Equity (ROE) | 18.2776% | 316 |
| Retained earnings to average equity (ytd only) | 14.0476% | 189 |
| Net charge-offs to loans | -0.0655% | 4,728 |
| Credit loss provision to net charge-offs | -248.9130% | 3,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2005% | 3,427 |
| Assets per employee ($millions) | 4.8646% | 3,532 |
| Cash dividends to net income (ytd only)* | 23.1431% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 1,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 80.1169% | 418 |
| Net loans and leases to deposits | 90.6570% | 878 |
| Net loans and leases to core deposits | 100.5670% | 877 |
| Total domestic deposits to total assets | 88.3737% | 1,292 |
| Equity capital to assets | 10.1069% | 3,028 |
| Core capital (leverage) ratio | 9.6732% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7299% | 2,343 |
| Memoranda: | ||
| Average total assets | $176,378,600 | 3,137 |
| Average earning assets | $166,619,200 | 3,103 |
| Average equity | $15,910,200 | 3,563 |
| Average total loans | $140,451,000 | 2,748 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 2,810 |
| Cost of funding earning assets | 1.1272% | 481 |
| Net interest margin | 2.9262% | 4,134 |
| Noninterest income to average assets | 1.3962% | 571 |
| Noninterest expense to average assets | 2.6440% | 2,404 |
| Loan and lease loss provision to assets | 0.1714% | 2,277 |
| Net operating income to assets | 1.3452% | 1,245 |
| Return on assets (ROA) | 1.3452% | 1,342 |
| Pretax return on assets | 1.3452% | 1,890 |
| Return on Equity (ROE) | 15.3555% | 638 |
| Retained earnings to average equity (ytd only) | 14.1750% | 246 |
| Net charge-offs to loans | -0.0057% | 4,081 |
| Credit loss provision to net charge-offs | -3,816.6667% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5447% | 2,814 |
| Assets per employee ($millions) | 5.0853% | 3,135 |
| Cash dividends to net income (ytd only)* | 7.6880% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 1,381 |
| Loan loss allowance to noncurrent loans | 206.2868% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 2,010 |
| Noncurrent loans to loans | 0.7266% | 1,985 |
| Net loans and leases to total assets | 77.5370% | 893 |
| Net loans and leases to deposits | 88.9179% | 1,380 |
| Net loans and leases to core deposits | 103.1196% | 976 |
| Total domestic deposits to total assets | 87.2007% | 1,576 |
| Equity capital to assets | 9.3569% | 3,812 |
| Core capital (leverage) ratio | 9.0395% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6302% | 2,353 |
| Memoranda: | ||
| Average total assets | $177,908,250 | 3,110 |
| Average earning assets | $168,086,750 | 3,077 |
| Average equity | $15,585,750 | 3,599 |
| Average total loans | $140,915,500 | 2,745 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 2,806 |
| Cost of funding earning assets | 1.1570% | 597 |
| Net interest margin | 3.0294% | 4,057 |
| Noninterest income to average assets | 0.9422% | 1,084 |
| Noninterest expense to average assets | 2.5983% | 2,671 |
| Loan and lease loss provision to assets | 0.2563% | 1,651 |
| Net operating income to assets | 0.9489% | 2,494 |
| Return on assets (ROA) | 0.9489% | 2,628 |
| Pretax return on assets | 0.9489% | 3,180 |
| Return on Equity (ROE) | 11.0836% | 1,603 |
| Retained earnings to average equity (ytd only) | 9.7179% | 842 |
| Net charge-offs to loans | -0.0170% | 4,361 |
| Credit loss provision to net charge-offs | -1,900.0000% | 3,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3121% | 2,197 |
| Assets per employee ($millions) | 4.9265% | 3,267 |
| Cash dividends to net income (ytd only)* | 12.3223% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 1,384 |
| Loan loss allowance to noncurrent loans | 183.6824% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 1,933 |
| Noncurrent loans to loans | 0.7929% | 1,911 |
| Net loans and leases to total assets | 78.1346% | 829 |
| Net loans and leases to deposits | 89.8064% | 1,372 |
| Net loans and leases to core deposits | 104.9102% | 952 |
| Total domestic deposits to total assets | 87.0034% | 1,617 |
| Equity capital to assets | 8.6422% | 4,392 |
| Core capital (leverage) ratio | 8.5205% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7808% | 2,700 |
| Memoranda: | ||
| Average total assets | $177,882,333 | 3,091 |
| Average earning assets | $168,022,667 | 3,063 |
| Average equity | $15,229,667 | 3,633 |
| Average total loans | $141,185,667 | 2,734 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 2,551 |
| Cost of funding earning assets | 1.3246% | 526 |
| Net interest margin | 3.0939% | 4,113 |
| Noninterest income to average assets | 0.5214% | 2,434 |
| Noninterest expense to average assets | 2.5660% | 3,086 |
| Loan and lease loss provision to assets | 0.0455% | 3,207 |
| Net operating income to assets | 0.8242% | 2,814 |
| Return on assets (ROA) | 0.8242% | 2,899 |
| Pretax return on assets | 0.8242% | 3,345 |
| Return on Equity (ROE) | 9.6740% | 1,853 |
| Retained earnings to average equity (ytd only) | 8.1774% | 1,175 |
| Net charge-offs to loans | -0.0229% | 4,381 |
| Credit loss provision to net charge-offs | -250.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6852% | 1,728 |
| Assets per employee ($millions) | 4.9496% | 2,704 |
| Cash dividends to net income (ytd only)* | 15.4696% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 1,884 |
| Loan loss allowance to noncurrent loans | 157.2259% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 1,972 |
| Noncurrent loans to loans | 0.8623% | 1,890 |
| Net loans and leases to total assets | 77.2990% | 1,083 |
| Net loans and leases to deposits | 88.0547% | 1,747 |
| Net loans and leases to core deposits | 107.8574% | 951 |
| Total domestic deposits to total assets | 87.7852% | 1,189 |
| Equity capital to assets | 8.4962% | 4,836 |
| Core capital (leverage) ratio | 8.7888% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8068% | 3,154 |
| Memoranda: | ||
| Average total assets | $175,684,000 | 3,078 |
| Average earning assets | $165,487,500 | 3,057 |
| Average equity | $14,968,000 | 3,665 |
| Average total loans | $139,514,500 | 2,730 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 2,227 |
| Cost of funding earning assets | 1.4931% | 403 |
| Net interest margin | 3.2408% | 4,107 |
| Noninterest income to average assets | 0.5882% | 2,278 |
| Noninterest expense to average assets | 2.6891% | 2,919 |
| Loan and lease loss provision to assets | 0.0595% | 2,846 |
| Net operating income to assets | 0.8918% | 3,241 |
| Return on assets (ROA) | 0.8918% | 3,329 |
| Pretax return on assets | 0.8918% | 3,762 |
| Return on Equity (ROE) | 10.6759% | 2,015 |
| Retained earnings to average equity (ytd only) | 8.8586% | 747 |
| Net charge-offs to loans | -0.0179% | 4,602 |
| Credit loss provision to net charge-offs | -400.0000% | 4,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8675% | 1,618 |
| Assets per employee ($millions) | 4.8106% | 2,825 |
| Cash dividends to net income (ytd only)* | 17.0227% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 1,757 |
| Loan loss allowance to noncurrent loans | 166.2210% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 1,964 |
| Noncurrent loans to loans | 0.8049% | 1,901 |
| Net loans and leases to total assets | 79.4165% | 870 |
| Net loans and leases to deposits | 92.2391% | 1,340 |
| Net loans and leases to core deposits | 119.4980% | 490 |
| Total domestic deposits to total assets | 86.0984% | 2,031 |
| Equity capital to assets | 8.5442% | 4,894 |
| Core capital (leverage) ratio | 8.5393% | 4,826 |
| Tier 1 risk-based capital ratio | 10.6414% | 4,975 |
| Total risk-based capital ratio | 11.8928% | 4,900 |
| Memoranda: | ||
| Average total assets | $167,974,600 | 3,122 |
| Average earning assets | $158,199,400 | 3,102 |
| Average equity | $14,031,600 | 3,745 |
| Average total loans | $139,409,600 | 2,729 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 2,247 |
| Cost of funding earning assets | 1.4823% | 430 |
| Net interest margin | 3.2772% | 4,132 |
| Noninterest income to average assets | 0.5696% | 2,357 |
| Noninterest expense to average assets | 2.7110% | 2,834 |
| Loan and lease loss provision to assets | 0.0720% | 2,436 |
| Net operating income to assets | 0.8727% | 3,439 |
| Return on assets (ROA) | 0.8727% | 3,525 |
| Pretax return on assets | 0.8727% | 3,949 |
| Return on Equity (ROE) | 10.5101% | 2,208 |
| Retained earnings to average equity (ytd only) | 8.6220% | 1,163 |
| Net charge-offs to loans | -0.0124% | 4,447 |
| Credit loss provision to net charge-offs | -692.3077% | 4,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1575% | 1,540 |
| Assets per employee ($millions) | 4.8360% | 2,749 |
| Cash dividends to net income (ytd only)* | 17.9654% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 1,929 |
| Loan loss allowance to noncurrent loans | 169.3934% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6428% | 2,079 |
| Noncurrent loans to loans | 0.7728% | 2,037 |
| Net loans and leases to total assets | 82.0896% | 558 |
| Net loans and leases to deposits | 96.0473% | 1,013 |
| Net loans and leases to core deposits | 124.7040% | 398 |
| Total domestic deposits to total assets | 85.4678% | 2,226 |
| Equity capital to assets | 8.5408% | 4,984 |
| Core capital (leverage) ratio | 8.5278% | 4,938 |
| Tier 1 risk-based capital ratio | 10.4153% | 5,099 |
| Total risk-based capital ratio | 11.6663% | 5,026 |
| Memoranda: | ||
| Average total assets | $166,672,750 | 3,166 |
| Average earning assets | $156,957,000 | 3,145 |
| Average equity | $13,840,250 | 3,809 |
| Average total loans | $139,412,000 | 2,757 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 2,265 |
| Cost of funding earning assets | 1.4401% | 462 |
| Net interest margin | 3.2937% | 4,161 |
| Noninterest income to average assets | 0.4366% | 3,028 |
| Noninterest expense to average assets | 2.6621% | 3,030 |
| Loan and lease loss provision to assets | 0.0724% | 2,368 |
| Net operating income to assets | 0.8057% | 3,629 |
| Return on assets (ROA) | 0.8057% | 3,689 |
| Pretax return on assets | 0.8057% | 4,075 |
| Return on Equity (ROE) | 9.7983% | 2,482 |
| Retained earnings to average equity (ytd only) | 7.8475% | 1,451 |
| Net charge-offs to loans | -0.0158% | 4,472 |
| Credit loss provision to net charge-offs | -545.4545% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1959% | 1,497 |
| Assets per employee ($millions) | 4.4513% | 3,218 |
| Cash dividends to net income (ytd only)* | 19.9102% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 1,962 |
| Loan loss allowance to noncurrent loans | 164.6364% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 2,092 |
| Noncurrent loans to loans | 0.7969% | 2,001 |
| Net loans and leases to total assets | 80.5325% | 803 |
| Net loans and leases to deposits | 94.3698% | 1,218 |
| Net loans and leases to core deposits | 125.1194% | 409 |
| Total domestic deposits to total assets | 85.3372% | 2,329 |
| Equity capital to assets | 8.3163% | 5,112 |
| Core capital (leverage) ratio | 8.3535% | 5,042 |
| Tier 1 risk-based capital ratio | 10.3321% | 5,162 |
| Total risk-based capital ratio | 11.5835% | 5,076 |
| Memoranda: | ||
| Average total assets | $165,810,670 | 3,190 |
| Average earning assets | $156,235,670 | 3,168 |
| Average equity | $13,635,000 | 3,839 |
| Average total loans | $138,953,670 | 2,777 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 2,127 |
| Cost of funding earning assets | 1.3830% | 486 |
| Net interest margin | 3.3451% | 4,044 |
| Noninterest income to average assets | 0.3728% | 3,365 |
| Noninterest expense to average assets | 2.6538% | 3,047 |
| Loan and lease loss provision to assets | 0.0731% | 2,210 |
| Net operating income to assets | 0.7993% | 3,624 |
| Return on assets (ROA) | 0.7993% | 3,669 |
| Pretax return on assets | 0.7993% | 4,045 |
| Return on Equity (ROE) | 9.7772% | 2,460 |
| Retained earnings to average equity (ytd only) | 7.8098% | 1,733 |
| Net charge-offs to loans | -0.0230% | 4,541 |
| Credit loss provision to net charge-offs | -375.0000% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2592% | 1,579 |
| Assets per employee ($millions) | 4.6707% | 2,956 |
| Cash dividends to net income (ytd only)* | 20.1220% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 2,204 |
| Loan loss allowance to noncurrent loans | 159.8921% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 2,113 |
| Noncurrent loans to loans | 0.7986% | 2,040 |
| Net loans and leases to total assets | 81.7491% | 619 |
| Net loans and leases to deposits | 93.9569% | 1,182 |
| Net loans and leases to core deposits | 123.5602% | 435 |
| Total domestic deposits to total assets | 87.0070% | 1,811 |
| Equity capital to assets | 8.1501% | 5,139 |
| Core capital (leverage) ratio | 8.3642% | 5,081 |
| Tier 1 risk-based capital ratio | 10.0552% | 5,278 |
| Total risk-based capital ratio | 11.3062% | 5,231 |
| Memoranda: | ||
| Average total assets | $164,141,500 | 3,249 |
| Average earning assets | $154,734,000 | 3,216 |
| Average equity | $13,419,000 | 3,887 |
| Average total loans | $139,415,000 | 2,802 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 2,079 |
| Cost of funding earning assets | 0.9726% | 834 |
| Net interest margin | 3.6475% | 3,236 |
| Noninterest income to average assets | 0.4539% | 3,085 |
| Noninterest expense to average assets | 2.7154% | 2,975 |
| Loan and lease loss provision to assets | 0.0545% | 3,079 |
| Net operating income to assets | 1.1026% | 2,587 |
| Return on assets (ROA) | 1.1026% | 2,585 |
| Pretax return on assets | 1.1026% | 3,260 |
| Return on Equity (ROE) | 13.6792% | 1,136 |
| Retained earnings to average equity (ytd only) | 9.4641% | 745 |
| Net charge-offs to loans | 0.1517% | 1,263 |
| Credit loss provision to net charge-offs | 41.0628% | 3,274 |
| Earnings coverage of net charge-offs (x) | 8.7198% | 2,872 |
| Efficiency ratio | 70.1208% | 2,157 |
| Assets per employee ($millions) | 4.4483% | 3,244 |
| Cash dividends to net income (ytd only)* | 30.8140% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,318 |
| Loan loss allowance to noncurrent loans | 151.3043% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 1,930 |
| Noncurrent loans to loans | 0.8238% | 1,954 |
| Net loans and leases to total assets | 86.0851% | 230 |
| Net loans and leases to deposits | 99.7215% | 767 |
| Net loans and leases to core deposits | 126.4191% | 389 |
| Total domestic deposits to total assets | 86.3255% | 2,076 |
| Equity capital to assets | 8.2017% | 5,082 |
| Core capital (leverage) ratio | 8.5727% | 4,973 |
| Tier 1 risk-based capital ratio | 9.7651% | 5,347 |
| Total risk-based capital ratio | 11.0146% | 5,313 |
| Memoranda: | ||
| Average total assets | $155,996,400 | 3,325 |
| Average earning assets | $146,209,600 | 3,299 |
| Average equity | $12,573,800 | 3,947 |
| Average total loans | $136,475,800 | 2,811 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5934% | 1,994 |
| Cost of funding earning assets | 0.8896% | 963 |
| Net interest margin | 3.7037% | 3,008 |
| Noninterest income to average assets | 0.4139% | 3,397 |
| Noninterest expense to average assets | 2.7361% | 2,857 |
| Loan and lease loss provision to assets | 0.0559% | 2,855 |
| Net operating income to assets | 1.0893% | 2,711 |
| Return on assets (ROA) | 1.0893% | 2,724 |
| Pretax return on assets | 1.0893% | 3,440 |
| Return on Equity (ROE) | 13.5756% | 1,243 |
| Retained earnings to average equity (ytd only) | 8.5571% | 1,392 |
| Net charge-offs to loans | 0.0246% | 2,631 |
| Credit loss provision to net charge-offs | 260.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 53.2439% | 1,134 |
| Efficiency ratio | 70.4943% | 2,120 |
| Assets per employee ($millions) | 4.1989% | 3,576 |
| Cash dividends to net income (ytd only)* | 36.9665% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 1,770 |
| Loan loss allowance to noncurrent loans | 143.9818% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.0048% | 1,448 |
| Noncurrent loans to loans | 0.9605% | 1,771 |
| Net loans and leases to total assets | 87.3023% | 167 |
| Net loans and leases to deposits | 102.8551% | 608 |
| Net loans and leases to core deposits | 130.1501% | 327 |
| Total domestic deposits to total assets | 84.8789% | 2,648 |
| Equity capital to assets | 8.2602% | 5,053 |
| Core capital (leverage) ratio | 8.3609% | 5,167 |
| Tier 1 risk-based capital ratio | 9.5598% | 5,436 |
| Total risk-based capital ratio | 10.8118% | 5,411 |
| Memoranda: | ||
| Average total assets | $154,961,000 | 3,365 |
| Average earning assets | $145,075,250 | 3,342 |
| Average equity | $12,433,750 | 3,998 |
| Average total loans | $135,696,000 | 2,836 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 2,007 |
| Cost of funding earning assets | 0.8090% | 1,091 |
| Net interest margin | 3.7176% | 2,866 |
| Noninterest income to average assets | 0.3617% | 3,737 |
| Noninterest expense to average assets | 2.7075% | 2,992 |
| Loan and lease loss provision to assets | 0.0452% | 2,999 |
| Net operating income to assets | 1.0877% | 2,627 |
| Return on assets (ROA) | 1.0877% | 2,638 |
| Pretax return on assets | 1.0877% | 3,361 |
| Return on Equity (ROE) | 13.6903% | 1,158 |
| Retained earnings to average equity (ytd only) | 7.1053% | 2,027 |
| Net charge-offs to loans | 0.0429% | 2,007 |
| Credit loss provision to net charge-offs | 120.6897% | 1,793 |
| Earnings coverage of net charge-offs (x) | 30.2414% | 1,500 |
| Efficiency ratio | 70.5012% | 2,240 |
| Assets per employee ($millions) | 4.1811% | 3,610 |
| Cash dividends to net income (ytd only)* | 48.0998% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 1,796 |
| Loan loss allowance to noncurrent loans | 126.9884% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 1.1060% | 1,339 |
| Noncurrent loans to loans | 1.0924% | 1,615 |
| Net loans and leases to total assets | 85.8379% | 278 |
| Net loans and leases to deposits | 100.1191% | 798 |
| Net loans and leases to core deposits | 126.6867% | 395 |
| Total domestic deposits to total assets | 85.7358% | 2,399 |
| Equity capital to assets | 8.0878% | 5,195 |
| Core capital (leverage) ratio | 8.2773% | 5,225 |
| Tier 1 risk-based capital ratio | 9.5095% | 5,495 |
| Total risk-based capital ratio | 10.7611% | 5,476 |
| Memoranda: | ||
| Average total assets | $154,828,330 | 3,383 |
| Average earning assets | $144,877,000 | 3,360 |
| Average equity | $12,300,670 | 4,035 |
| Average total loans | $135,083,330 | 2,856 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 2,008 |
| Cost of funding earning assets | 0.7874% | 1,004 |
| Net interest margin | 3.6689% | 2,923 |
| Noninterest income to average assets | 0.3202% | 4,015 |
| Noninterest expense to average assets | 2.6444% | 3,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1053% | 2,396 |
| Return on assets (ROA) | 1.1053% | 2,413 |
| Pretax return on assets | 1.1053% | 3,158 |
| Return on Equity (ROE) | 14.0380% | 1,006 |
| Retained earnings to average equity (ytd only) | 2.7223% | 4,087 |
| Net charge-offs to loans | -0.0237% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5234% | 2,413 |
| Assets per employee ($millions) | 4.4391% | 3,266 |
| Cash dividends to net income (ytd only)* | 80.6075% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 1,829 |
| Loan loss allowance to noncurrent loans | 78.6045% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.6857% | 765 |
| Noncurrent loans to loans | 1.7850% | 945 |
| Net loans and leases to total assets | 84.5754% | 378 |
| Net loans and leases to deposits | 98.6324% | 819 |
| Net loans and leases to core deposits | 126.7363% | 404 |
| Total domestic deposits to total assets | 85.7481% | 2,652 |
| Equity capital to assets | 7.8458% | 5,312 |
| Core capital (leverage) ratio | 7.9601% | 5,402 |
| Tier 1 risk-based capital ratio | 9.0342% | 5,576 |
| Total risk-based capital ratio | 10.2859% | 5,578 |
| Memoranda: | ||
| Average total assets | $154,892,500 | 3,418 |
| Average earning assets | $144,786,000 | 3,394 |
| Average equity | $12,195,500 | 4,086 |
| Average total loans | $135,294,500 | 2,867 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 2,451 |
| Cost of funding earning assets | 0.6324% | 1,403 |
| Net interest margin | 3.6314% | 3,057 |
| Noninterest income to average assets | 0.3973% | 3,651 |
| Noninterest expense to average assets | 2.6335% | 3,340 |
| Loan and lease loss provision to assets | 0.0614% | 3,004 |
| Net operating income to assets | 1.1243% | 1,775 |
| Return on assets (ROA) | 1.1243% | 1,805 |
| Pretax return on assets | 1.1243% | 3,091 |
| Return on Equity (ROE) | 13.6560% | 817 |
| Retained earnings to average equity (ytd only) | 2.5952% | 3,765 |
| Net charge-offs to loans | 0.0534% | 2,737 |
| Credit loss provision to net charge-offs | 130.4348% | 2,014 |
| Earnings coverage of net charge-offs (x) | 25.1739% | 1,726 |
| Efficiency ratio | 68.9544% | 2,713 |
| Assets per employee ($millions) | 4.4119% | 3,334 |
| Cash dividends to net income (ytd only)* | 80.9957% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 1,945 |
| Loan loss allowance to noncurrent loans | 79.4369% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.6734% | 774 |
| Noncurrent loans to loans | 1.7070% | 957 |
| Net loans and leases to total assets | 87.7195% | 153 |
| Net loans and leases to deposits | 104.5832% | 466 |
| Net loans and leases to core deposits | 133.8019% | 280 |
| Total domestic deposits to total assets | 83.8754% | 3,251 |
| Equity capital to assets | 7.9014% | 5,423 |
| Core capital (leverage) ratio | 8.2328% | 5,333 |
| Tier 1 risk-based capital ratio | 8.6300% | 5,644 |
| Total risk-based capital ratio | 9.8810% | 5,642 |
| Memoranda: | ||
| Average total assets | $146,497,400 | 3,517 |
| Average earning assets | $138,046,200 | 3,478 |
| Average equity | $12,060,600 | 4,128 |
| Average total loans | $129,096,600 | 2,926 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2588% | 2,398 |
| Cost of funding earning assets | 0.6215% | 1,397 |
| Net interest margin | 3.6373% | 3,006 |
| Noninterest income to average assets | 0.3986% | 3,695 |
| Noninterest expense to average assets | 2.6312% | 3,312 |
| Loan and lease loss provision to assets | 0.0821% | 2,450 |
| Net operating income to assets | 1.1191% | 1,997 |
| Return on assets (ROA) | 1.1191% | 2,062 |
| Pretax return on assets | 1.1191% | 3,234 |
| Return on Equity (ROE) | 13.4488% | 946 |
| Retained earnings to average equity (ytd only) | 2.6831% | 4,293 |
| Net charge-offs to loans | -0.0157% | 4,766 |
| Credit loss provision to net charge-offs | -593.3333% | 4,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6567% | 2,760 |
| Assets per employee ($millions) | 4.3390% | 3,411 |
| Cash dividends to net income (ytd only)* | 80.0493% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 1,500 |
| Loan loss allowance to noncurrent loans | 107.6966% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.1892% | 1,385 |
| Noncurrent loans to loans | 1.4009% | 1,335 |
| Net loans and leases to total assets | 83.6077% | 478 |
| Net loans and leases to deposits | 98.6389% | 853 |
| Net loans and leases to core deposits | 125.0653% | 432 |
| Total domestic deposits to total assets | 84.7614% | 2,814 |
| Equity capital to assets | 8.0434% | 5,507 |
| Core capital (leverage) ratio | 8.3022% | 5,365 |
| Tier 1 risk-based capital ratio | 9.0653% | 5,699 |
| Total risk-based capital ratio | 10.3178% | 5,698 |
| Memoranda: | ||
| Average total assets | $144,517,750 | 3,570 |
| Average earning assets | $136,435,250 | 3,529 |
| Average equity | $12,025,500 | 4,173 |
| Average total loans | $127,042,000 | 2,982 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 2,361 |
| Cost of funding earning assets | 0.6039% | 1,418 |
| Net interest margin | 3.6251% | 2,933 |
| Noninterest income to average assets | 0.3548% | 4,020 |
| Noninterest expense to average assets | 2.6508% | 3,266 |
| Loan and lease loss provision to assets | 0.0845% | 2,295 |
| Net operating income to assets | 1.0502% | 2,205 |
| Return on assets (ROA) | 1.0502% | 2,248 |
| Pretax return on assets | 1.0502% | 3,372 |
| Return on Equity (ROE) | 12.4725% | 1,170 |
| Retained earnings to average equity (ytd only) | 1.4546% | 4,662 |
| Net charge-offs to loans | -0.0142% | 4,649 |
| Credit loss provision to net charge-offs | -666.6667% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0260% | 2,668 |
| Assets per employee ($millions) | 4.3762% | 3,305 |
| Cash dividends to net income (ytd only)* | 88.3378% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,654 |
| Loan loss allowance to noncurrent loans | 106.1111% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.2464% | 1,350 |
| Noncurrent loans to loans | 1.3932% | 1,382 |
| Net loans and leases to total assets | 88.1430% | 138 |
| Net loans and leases to deposits | 106.4948% | 382 |
| Net loans and leases to core deposits | 134.8411% | 241 |
| Total domestic deposits to total assets | 82.7675% | 3,639 |
| Equity capital to assets | 8.3621% | 5,374 |
| Core capital (leverage) ratio | 8.4494% | 5,257 |
| Tier 1 risk-based capital ratio | 8.8986% | 5,745 |
| Total risk-based capital ratio | 10.1505% | 5,743 |
| Memoranda: | ||
| Average total assets | $142,069,000 | 3,633 |
| Average earning assets | $134,450,000 | 3,585 |
| Average equity | $11,962,330 | 4,194 |
| Average total loans | $126,417,670 | 2,997 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 2,450 |
| Cost of funding earning assets | 0.5813% | 1,506 |
| Net interest margin | 3.5744% | 2,985 |
| Noninterest income to average assets | 0.3464% | 4,071 |
| Noninterest expense to average assets | 2.6544% | 3,296 |
| Loan and lease loss provision to assets | 0.0852% | 2,114 |
| Net operating income to assets | 1.0107% | 2,263 |
| Return on assets (ROA) | 1.0107% | 2,315 |
| Pretax return on assets | 1.0107% | 3,318 |
| Return on Equity (ROE) | 11.9609% | 1,251 |
| Retained earnings to average equity (ytd only) | -0.5376% | 5,005 |
| Net charge-offs to loans | -0.0192% | 4,724 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7797% | 2,782 |
| Assets per employee ($millions) | 4.0198% | 3,977 |
| Cash dividends to net income (ytd only)* | 104.4944% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 1,695 |
| Loan loss allowance to noncurrent loans | 106.2854% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 1,368 |
| Noncurrent loans to loans | 1.4094% | 1,438 |
| Net loans and leases to total assets | 87.7278% | 123 |
| Net loans and leases to deposits | 104.2379% | 390 |
| Net loans and leases to core deposits | 127.5457% | 296 |
| Total domestic deposits to total assets | 84.1611% | 3,416 |
| Equity capital to assets | 8.4781% | 5,256 |
| Core capital (leverage) ratio | 8.4883% | 5,238 |
| Tier 1 risk-based capital ratio | 9.4265% | 5,779 |
| Total risk-based capital ratio | 10.6788% | 5,771 |
| Memoranda: | ||
| Average total assets | $140,897,000 | 3,680 |
| Average earning assets | $134,175,500 | 3,621 |
| Average equity | $11,905,500 | 4,229 |
| Average total loans | $125,026,500 | 3,039 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1966% | 2,498 |
| Cost of funding earning assets | 0.5506% | 1,684 |
| Net interest margin | 3.6460% | 2,905 |
| Noninterest income to average assets | 0.3494% | 4,234 |
| Noninterest expense to average assets | 2.5547% | 3,823 |
| Loan and lease loss provision to assets | 0.0865% | 2,637 |
| Net operating income to assets | 1.1765% | 1,587 |
| Return on assets (ROA) | 1.1765% | 1,685 |
| Pretax return on assets | 1.1765% | 2,772 |
| Return on Equity (ROE) | 13.9334% | 790 |
| Retained earnings to average equity (ytd only) | 5.5717% | 1,971 |
| Net charge-offs to loans | 0.0679% | 2,724 |
| Credit loss provision to net charge-offs | 146.3415% | 1,871 |
| Earnings coverage of net charge-offs (x) | 21.3780% | 1,789 |
| Efficiency ratio | 66.9183% | 3,454 |
| Assets per employee ($millions) | 4.2758% | 3,480 |
| Cash dividends to net income (ytd only)* | 60.0122% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 1,774 |
| Loan loss allowance to noncurrent loans | 103.7768% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 1,420 |
| Noncurrent loans to loans | 1.4220% | 1,430 |
| Net loans and leases to total assets | 87.1065% | 175 |
| Net loans and leases to deposits | 103.8829% | 434 |
| Net loans and leases to core deposits | 123.0197% | 403 |
| Total domestic deposits to total assets | 83.8507% | 3,485 |
| Equity capital to assets | 8.4216% | 5,331 |
| Core capital (leverage) ratio | 8.5992% | 5,171 |
| Tier 1 risk-based capital ratio | 9.2940% | 5,835 |
| Total risk-based capital ratio | 10.5464% | 5,837 |
| Memoranda: | ||
| Average total assets | $138,800,800 | 3,690 |
| Average earning assets | $132,036,400 | 3,618 |
| Average equity | $11,720,000 | 4,291 |
| Average total loans | $120,853,800 | 3,059 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2002% | 2,513 |
| Cost of funding earning assets | 0.5418% | 1,777 |
| Net interest margin | 3.6585% | 2,863 |
| Noninterest income to average assets | 0.3444% | 4,322 |
| Noninterest expense to average assets | 2.6102% | 3,624 |
| Loan and lease loss provision to assets | 0.1061% | 2,159 |
| Net operating income to assets | 1.1064% | 1,968 |
| Return on assets (ROA) | 1.1064% | 2,073 |
| Pretax return on assets | 1.1064% | 3,208 |
| Return on Equity (ROE) | 13.0942% | 1,025 |
| Retained earnings to average equity (ytd only) | 5.9249% | 2,223 |
| Net charge-offs to loans | 0.0945% | 2,011 |
| Credit loss provision to net charge-offs | 129.4118% | 1,980 |
| Earnings coverage of net charge-offs (x) | 14.7883% | 2,222 |
| Efficiency ratio | 68.2816% | 3,181 |
| Assets per employee ($millions) | 4.2039% | 3,583 |
| Cash dividends to net income (ytd only)* | 54.7512% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,845 |
| Loan loss allowance to noncurrent loans | 102.8121% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.2816% | 1,503 |
| Noncurrent loans to loans | 1.4382% | 1,508 |
| Net loans and leases to total assets | 87.7985% | 145 |
| Net loans and leases to deposits | 105.0081% | 410 |
| Net loans and leases to core deposits | 125.9795% | 365 |
| Total domestic deposits to total assets | 83.6112% | 3,352 |
| Equity capital to assets | 8.6197% | 5,456 |
| Core capital (leverage) ratio | 8.6308% | 5,231 |
| Tier 1 risk-based capital ratio | 9.4059% | 5,889 |
| Total risk-based capital ratio | 10.6583% | 5,880 |
| Memoranda: | ||
| Average total assets | $138,225,500 | 3,725 |
| Average earning assets | $131,417,750 | 3,649 |
| Average equity | $11,679,250 | 4,342 |
| Average total loans | $119,879,750 | 3,077 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 2,557 |
| Cost of funding earning assets | 0.5248% | 1,904 |
| Net interest margin | 3.6614% | 2,853 |
| Noninterest income to average assets | 0.3173% | 4,511 |
| Noninterest expense to average assets | 2.6656% | 3,496 |
| Loan and lease loss provision to assets | 0.1318% | 1,736 |
| Net operating income to assets | 0.9967% | 2,409 |
| Return on assets (ROA) | 0.9967% | 2,546 |
| Pretax return on assets | 0.9967% | 3,600 |
| Return on Equity (ROE) | 11.8761% | 1,364 |
| Retained earnings to average equity (ytd only) | 5.7136% | 2,287 |
| Net charge-offs to loans | 0.0826% | 2,023 |
| Credit loss provision to net charge-offs | 185.7143% | 1,370 |
| Earnings coverage of net charge-offs (x) | 15.8980% | 1,962 |
| Efficiency ratio | 70.2558% | 2,940 |
| Assets per employee ($millions) | 4.0673% | 3,788 |
| Cash dividends to net income (ytd only)* | 51.8895% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 1,632 |
| Loan loss allowance to noncurrent loans | 98.4525% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.3552% | 1,470 |
| Noncurrent loans to loans | 1.5900% | 1,352 |
| Net loans and leases to total assets | 83.8944% | 427 |
| Net loans and leases to deposits | 98.8540% | 799 |
| Net loans and leases to core deposits | 121.1721% | 485 |
| Total domestic deposits to total assets | 84.8670% | 2,935 |
| Equity capital to assets | 8.4997% | 5,596 |
| Core capital (leverage) ratio | 8.1587% | 5,625 |
| Tier 1 risk-based capital ratio | 9.5027% | 5,948 |
| Total risk-based capital ratio | 10.7558% | 5,929 |
| Memoranda: | ||
| Average total assets | $138,057,670 | 3,749 |
| Average earning assets | $131,095,670 | 3,676 |
| Average equity | $11,586,330 | 4,385 |
| Average total loans | $118,629,670 | 3,102 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 2,393 |
| Cost of funding earning assets | 0.5043% | 2,069 |
| Net interest margin | 3.7194% | 2,593 |
| Noninterest income to average assets | 0.2813% | 4,701 |
| Noninterest expense to average assets | 2.6910% | 3,446 |
| Loan and lease loss provision to assets | 0.1160% | 1,809 |
| Net operating income to assets | 1.0033% | 2,261 |
| Return on assets (ROA) | 1.0033% | 2,379 |
| Pretax return on assets | 1.0033% | 3,470 |
| Return on Equity (ROE) | 12.0322% | 1,308 |
| Retained earnings to average equity (ytd only) | 9.1111% | 1,079 |
| Net charge-offs to loans | 0.2084% | 963 |
| Credit loss provision to net charge-offs | 64.5161% | 1,946 |
| Earnings coverage of net charge-offs (x) | 6.2258% | 2,255 |
| Efficiency ratio | 70.6240% | 3,020 |
| Assets per employee ($millions) | 4.4731% | 3,119 |
| Cash dividends to net income (ytd only)* | 24.2775% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 2,021 |
| Loan loss allowance to noncurrent loans | 116.8635% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.0647% | 2,076 |
| Noncurrent loans to loans | 1.2771% | 1,892 |
| Net loans and leases to total assets | 82.1242% | 542 |
| Net loans and leases to deposits | 98.4217% | 728 |
| Net loans and leases to core deposits | 122.6457% | 399 |
| Total domestic deposits to total assets | 83.4412% | 3,736 |
| Equity capital to assets | 8.1537% | 5,764 |
| Core capital (leverage) ratio | 8.4571% | 5,427 |
| Tier 1 risk-based capital ratio | 9.2742% | 6,035 |
| Total risk-based capital ratio | 10.5269% | 6,023 |
| Memoranda: | ||
| Average total assets | $137,943,000 | 3,782 |
| Average earning assets | $130,881,000 | 3,700 |
| Average equity | $11,502,500 | 4,417 |
| Average total loans | $119,014,500 | 3,099 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 2,070 |
| Cost of funding earning assets | 0.4528% | 2,602 |
| Net interest margin | 3.8939% | 2,051 |
| Noninterest income to average assets | 0.4857% | 3,430 |
| Noninterest expense to average assets | 2.8132% | 3,178 |
| Loan and lease loss provision to assets | 0.3662% | 391 |
| Net operating income to assets | 0.9791% | 2,470 |
| Return on assets (ROA) | 0.9791% | 2,546 |
| Pretax return on assets | 0.9791% | 3,545 |
| Return on Equity (ROE) | 11.1550% | 1,562 |
| Retained earnings to average equity (ytd only) | 2.7931% | 4,081 |
| Net charge-offs to loans | 0.4427% | 622 |
| Credit loss provision to net charge-offs | 93.6884% | 2,692 |
| Earnings coverage of net charge-offs (x) | 3.4418% | 3,723 |
| Efficiency ratio | 67.6492% | 3,635 |
| Assets per employee ($millions) | 3.9044% | 4,111 |
| Cash dividends to net income (ytd only)* | 74.9606% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 1,909 |
| Loan loss allowance to noncurrent loans | 121.9892% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 1,543 |
| Noncurrent loans to loans | 1.2452% | 1,897 |
| Net loans and leases to total assets | 88.0571% | 122 |
| Net loans and leases to deposits | 103.0048% | 488 |
| Net loans and leases to core deposits | 130.0469% | 269 |
| Total domestic deposits to total assets | 85.4883% | 2,868 |
| Equity capital to assets | 8.5380% | 5,533 |
| Core capital (leverage) ratio | 8.5843% | 5,346 |
| Tier 1 risk-based capital ratio | 9.5042% | 6,042 |
| Total risk-based capital ratio | 10.7572% | 6,030 |
| Memoranda: | ||
| Average total assets | $129,712,000 | 3,893 |
| Average earning assets | $122,345,000 | 3,833 |
| Average equity | $11,385,000 | 4,410 |
| Average total loans | $114,526,800 | 3,131 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3502% | 2,079 |
| Cost of funding earning assets | 0.4465% | 2,723 |
| Net interest margin | 3.9036% | 2,021 |
| Noninterest income to average assets | 0.4467% | 3,741 |
| Noninterest expense to average assets | 2.7885% | 3,235 |
| Loan and lease loss provision to assets | 0.0931% | 2,306 |
| Net operating income to assets | 1.2438% | 1,516 |
| Return on assets (ROA) | 1.2438% | 1,568 |
| Pretax return on assets | 1.2438% | 2,635 |
| Return on Equity (ROE) | 14.0726% | 886 |
| Retained earnings to average equity (ytd only) | 5.9893% | 2,258 |
| Net charge-offs to loans | 0.0458% | 2,983 |
| Credit loss provision to net charge-offs | 230.7692% | 1,204 |
| Earnings coverage of net charge-offs (x) | 33.1531% | 1,403 |
| Efficiency ratio | 67.5940% | 3,615 |
| Assets per employee ($millions) | 3.6671% | 4,493 |
| Cash dividends to net income (ytd only)* | 57.4397% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6596% | 1,583 |
| Loan loss allowance to noncurrent loans | 127.6049% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.4071% | 1,632 |
| Noncurrent loans to loans | 1.3006% | 1,966 |
| Net loans and leases to total assets | 87.0712% | 178 |
| Net loans and leases to deposits | 103.3888% | 481 |
| Net loans and leases to core deposits | 123.8269% | 383 |
| Total domestic deposits to total assets | 84.2173% | 3,333 |
| Equity capital to assets | 9.0153% | 5,295 |
| Core capital (leverage) ratio | 9.0770% | 4,908 |
| Tier 1 risk-based capital ratio | 10.0101% | 6,038 |
| Total risk-based capital ratio | 11.2647% | 5,993 |
| Memoranda: | ||
| Average total assets | $128,953,000 | 3,946 |
| Average earning assets | $121,524,750 | 3,892 |
| Average equity | $11,397,750 | 4,461 |
| Average total loans | $113,484,250 | 3,172 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 1,957 |
| Cost of funding earning assets | 0.4465% | 2,771 |
| Net interest margin | 3.9202% | 1,908 |
| Noninterest income to average assets | 0.4181% | 3,939 |
| Noninterest expense to average assets | 2.6774% | 3,666 |
| Loan and lease loss provision to assets | 0.0929% | 2,265 |
| Net operating income to assets | 1.3457% | 1,205 |
| Return on assets (ROA) | 1.3457% | 1,248 |
| Pretax return on assets | 1.3457% | 2,193 |
| Return on Equity (ROE) | 15.3263% | 688 |
| Retained earnings to average equity (ytd only) | 8.6949% | 1,023 |
| Net charge-offs to loans | -0.0035% | 4,663 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0489% | 4,182 |
| Assets per employee ($millions) | 4.0057% | 3,876 |
| Cash dividends to net income (ytd only)* | 43.2681% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 1,596 |
| Loan loss allowance to noncurrent loans | 118.8596% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.5010% | 1,641 |
| Noncurrent loans to loans | 1.4324% | 1,866 |
| Net loans and leases to total assets | 85.4419% | 267 |
| Net loans and leases to deposits | 100.0649% | 653 |
| Net loans and leases to core deposits | 115.9798% | 593 |
| Total domestic deposits to total assets | 85.3865% | 2,974 |
| Equity capital to assets | 8.9536% | 5,281 |
| Core capital (leverage) ratio | 8.7897% | 5,234 |
| Tier 1 risk-based capital ratio | 10.3414% | 5,976 |
| Total risk-based capital ratio | 11.5971% | 5,915 |
| Memoranda: | ||
| Average total assets | $129,154,330 | 3,975 |
| Average earning assets | $121,831,670 | 3,915 |
| Average equity | $11,340,000 | 4,500 |
| Average total loans | $113,432,000 | 3,191 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 1,982 |
| Cost of funding earning assets | 0.4401% | 2,877 |
| Net interest margin | 3.8955% | 1,912 |
| Noninterest income to average assets | 0.3888% | 4,098 |
| Noninterest expense to average assets | 2.6257% | 3,842 |
| Loan and lease loss provision to assets | 0.0463% | 3,000 |
| Net operating income to assets | 1.4039% | 1,025 |
| Return on assets (ROA) | 1.4039% | 1,079 |
| Pretax return on assets | 1.4039% | 1,873 |
| Return on Equity (ROE) | 16.1469% | 551 |
| Retained earnings to average equity (ytd only) | 14.9758% | 287 |
| Net charge-offs to loans | 0.0035% | 3,200 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 470.0000% | 117 |
| Efficiency ratio | 64.4209% | 4,416 |
| Assets per employee ($millions) | 4.0787% | 3,808 |
| Cash dividends to net income (ytd only)* | 7.2527% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 2,036 |
| Loan loss allowance to noncurrent loans | 115.7071% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.4757% | 1,786 |
| Noncurrent loans to loans | 1.3864% | 2,070 |
| Net loans and leases to total assets | 86.8976% | 148 |
| Net loans and leases to deposits | 100.4268% | 542 |
| Net loans and leases to core deposits | 117.0382% | 484 |
| Total domestic deposits to total assets | 86.5283% | 2,654 |
| Equity capital to assets | 8.8164% | 5,489 |
| Core capital (leverage) ratio | 8.7039% | 5,325 |
| Tier 1 risk-based capital ratio | 10.4274% | 6,033 |
| Total risk-based capital ratio | 11.6823% | 5,990 |
| Memoranda: | ||
| Average total assets | $129,640,000 | 3,996 |
| Average earning assets | $122,704,500 | 3,929 |
| Average equity | $11,271,500 | 4,549 |
| Average total loans | $114,438,500 | 3,187 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 2,319 |
| Cost of funding earning assets | 0.4427% | 3,241 |
| Net interest margin | 3.9280% | 2,125 |
| Noninterest income to average assets | 0.3876% | 4,278 |
| Noninterest expense to average assets | 2.8153% | 3,422 |
| Loan and lease loss provision to assets | 0.1942% | 1,317 |
| Net operating income to assets | 1.0610% | 2,124 |
| Return on assets (ROA) | 1.1540% | 1,823 |
| Pretax return on assets | 1.1873% | 2,707 |
| Return on Equity (ROE) | 13.2337% | 1,088 |
| Retained earnings to average equity (ytd only) | 0.6090% | 5,498 |
| Net charge-offs to loans | 0.1834% | 2,202 |
| Credit loss provision to net charge-offs | 121.8905% | 1,971 |
| Earnings coverage of net charge-offs (x) | 8.0697% | 2,932 |
| Efficiency ratio | 68.6509% | 3,783 |
| Assets per employee ($millions) | 3.9019% | 4,162 |
| Cash dividends to net income (ytd only)* | 95.3984% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 2,040 |
| Loan loss allowance to noncurrent loans | 116.2864% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.4803% | 1,853 |
| Noncurrent loans to loans | 1.3890% | 2,109 |
| Net loans and leases to total assets | 86.8082% | 162 |
| Net loans and leases to deposits | 102.6165% | 488 |
| Net loans and leases to core deposits | 117.7023% | 479 |
| Total domestic deposits to total assets | 84.5948% | 3,456 |
| Equity capital to assets | 8.5709% | 5,669 |
| Core capital (leverage) ratio | 8.5646% | 5,483 |
| Tier 1 risk-based capital ratio | 10.4810% | 6,112 |
| Total risk-based capital ratio | 11.7373% | 6,047 |
| Memoranda: | ||
| Average total assets | $126,167,400 | 4,057 |
| Average earning assets | $119,272,800 | 3,990 |
| Average equity | $11,002,200 | 4,560 |
| Average total loans | $109,585,000 | 3,229 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 2,256 |
| Cost of funding earning assets | 0.4470% | 3,289 |
| Net interest margin | 3.9421% | 2,069 |
| Noninterest income to average assets | 0.3665% | 4,492 |
| Noninterest expense to average assets | 2.8298% | 3,351 |
| Loan and lease loss provision to assets | 0.2284% | 982 |
| Net operating income to assets | 1.0367% | 2,295 |
| Return on assets (ROA) | 1.1653% | 1,875 |
| Pretax return on assets | 1.1653% | 2,927 |
| Return on Equity (ROE) | 13.3042% | 1,136 |
| Retained earnings to average equity (ytd only) | 3.1896% | 4,359 |
| Net charge-offs to loans | 0.2530% | 1,529 |
| Credit loss provision to net charge-offs | 104.3689% | 2,120 |
| Earnings coverage of net charge-offs (x) | 5.7815% | 3,198 |
| Efficiency ratio | 69.1051% | 3,660 |
| Assets per employee ($millions) | 3.6968% | 4,496 |
| Cash dividends to net income (ytd only)* | 76.0254% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 2,050 |
| Loan loss allowance to noncurrent loans | 125.0000% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.4432% | 2,137 |
| Noncurrent loans to loans | 1.3404% | 2,403 |
| Net loans and leases to total assets | 84.0377% | 336 |
| Net loans and leases to deposits | 98.0352% | 732 |
| Net loans and leases to core deposits | 109.1707% | 785 |
| Total domestic deposits to total assets | 85.7220% | 3,001 |
| Equity capital to assets | 8.8901% | 5,475 |
| Core capital (leverage) ratio | 8.9049% | 5,187 |
| Tier 1 risk-based capital ratio | 11.5756% | 5,751 |
| Total risk-based capital ratio | 12.8329% | 5,665 |
| Memoranda: | ||
| Average total assets | $125,518,750 | 4,106 |
| Average earning assets | $118,716,500 | 4,023 |
| Average equity | $10,993,750 | 4,599 |
| Average total loans | $108,578,500 | 3,268 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 2,074 |
| Cost of funding earning assets | 0.4453% | 3,385 |
| Net interest margin | 3.9820% | 1,867 |
| Noninterest income to average assets | 0.2949% | 5,055 |
| Noninterest expense to average assets | 2.8248% | 3,411 |
| Loan and lease loss provision to assets | 0.2949% | 673 |
| Net operating income to assets | 0.9389% | 2,604 |
| Return on assets (ROA) | 1.1318% | 1,905 |
| Pretax return on assets | 1.1318% | 2,963 |
| Return on Equity (ROE) | 12.9874% | 1,182 |
| Retained earnings to average equity (ytd only) | 4.9206% | 3,011 |
| Net charge-offs to loans | 0.3836% | 1,047 |
| Credit loss provision to net charge-offs | 88.5167% | 2,206 |
| Earnings coverage of net charge-offs (x) | 3.7033% | 3,238 |
| Efficiency ratio | 69.5994% | 3,721 |
| Assets per employee ($millions) | 4.0357% | 3,765 |
| Cash dividends to net income (ytd only)* | 62.1127% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 2,320 |
| Loan loss allowance to noncurrent loans | 123.1359% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.6322% | 2,006 |
| Noncurrent loans to loans | 1.3327% | 2,583 |
| Net loans and leases to total assets | 84.6533% | 256 |
| Net loans and leases to deposits | 98.2567% | 649 |
| Net loans and leases to core deposits | 109.5676% | 711 |
| Total domestic deposits to total assets | 86.1552% | 2,966 |
| Equity capital to assets | 8.9211% | 5,386 |
| Core capital (leverage) ratio | 8.8875% | 5,183 |
| Tier 1 risk-based capital ratio | 11.5146% | 5,789 |
| Total risk-based capital ratio | 12.7717% | 5,740 |
| Memoranda: | ||
| Average total assets | $125,461,670 | 4,125 |
| Average earning assets | $118,582,330 | 4,048 |
| Average equity | $10,933,670 | 4,620 |
| Average total loans | $108,962,330 | 3,270 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4389% | 1,992 |
| Cost of funding earning assets | 0.4446% | 3,487 |
| Net interest margin | 3.9944% | 1,784 |
| Noninterest income to average assets | 0.2388% | 5,449 |
| Noninterest expense to average assets | 2.8813% | 3,279 |
| Loan and lease loss provision to assets | 0.5572% | 242 |
| Net operating income to assets | 0.5763% | 4,314 |
| Return on assets (ROA) | 0.5763% | 4,384 |
| Pretax return on assets | 0.5763% | 4,912 |
| Return on Equity (ROE) | 6.6913% | 3,641 |
| Retained earnings to average equity (ytd only) | -3.8078% | 6,044 |
| Net charge-offs to loans | -0.0803% | 6,035 |
| Credit loss provision to net charge-offs | -795.4545% | 5,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7684% | 3,530 |
| Assets per employee ($millions) | 3.7002% | 4,519 |
| Cash dividends to net income (ytd only)* | 156.9061% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8052% | 2,022 |
| Loan loss allowance to noncurrent loans | 99.7491% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.8052% | 1,940 |
| Noncurrent loans to loans | 1.8097% | 2,118 |
| Net loans and leases to total assets | 85.9569% | 145 |
| Net loans and leases to deposits | 101.6726% | 376 |
| Net loans and leases to core deposits | 112.4468% | 505 |
| Total domestic deposits to total assets | 84.5429% | 4,066 |
| Equity capital to assets | 8.5910% | 5,558 |
| Core capital (leverage) ratio | 8.5825% | 5,546 |
| Tier 1 risk-based capital ratio | 10.4999% | 6,336 |
| Total risk-based capital ratio | 11.7580% | 6,297 |
| Memoranda: | ||
| Average total assets | $125,638,500 | 4,152 |
| Average earning assets | $118,767,500 | 4,074 |
| Average equity | $10,820,000 | 4,661 |
| Average total loans | $109,606,000 | 3,270 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5993% | 1,880 |
| Cost of funding earning assets | 0.5138% | 3,463 |
| Net interest margin | 4.0855% | 1,689 |
| Noninterest income to average assets | 0.3770% | 4,613 |
| Noninterest expense to average assets | 2.7073% | 4,068 |
| Loan and lease loss provision to assets | 0.1962% | 1,887 |
| Net operating income to assets | 0.9589% | 2,517 |
| Return on assets (ROA) | 0.9690% | 2,540 |
| Pretax return on assets | 1.3426% | 1,998 |
| Return on Equity (ROE) | 10.9692% | 1,776 |
| Retained earnings to average equity (ytd only) | 2.9621% | 4,134 |
| Net charge-offs to loans | 0.0274% | 4,873 |
| Credit loss provision to net charge-offs | 827.5862% | 300 |
| Earnings coverage of net charge-offs (x) | 64.3103% | 651 |
| Efficiency ratio | 63.9683% | 4,904 |
| Assets per employee ($millions) | 3.6903% | 4,502 |
| Cash dividends to net income (ytd only)* | 72.9958% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6418% | 2,604 |
| Loan loss allowance to noncurrent loans | 92.7979% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.7901% | 2,063 |
| Noncurrent loans to loans | 1.7693% | 2,277 |
| Net loans and leases to total assets | 85.5130% | 179 |
| Net loans and leases to deposits | 100.7957% | 446 |
| Net loans and leases to core deposits | 112.1079% | 536 |
| Total domestic deposits to total assets | 84.8379% | 3,835 |
| Equity capital to assets | 8.6331% | 5,445 |
| Core capital (leverage) ratio | 8.8078% | 5,267 |
| Tier 1 risk-based capital ratio | 10.7431% | 6,286 |
| Total risk-based capital ratio | 11.9993% | 6,232 |
| Memoranda: | ||
| Average total assets | $122,296,800 | 4,229 |
| Average earning assets | $115,407,800 | 4,151 |
| Average equity | $10,803,000 | 4,676 |
| Average total loans | $105,992,200 | 3,325 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 1,815 |
| Cost of funding earning assets | 0.5364% | 3,402 |
| Net interest margin | 4.0879% | 1,667 |
| Noninterest income to average assets | 0.4027% | 4,519 |
| Noninterest expense to average assets | 2.6885% | 4,062 |
| Loan and lease loss provision to assets | 0.1975% | 1,843 |
| Net operating income to assets | 0.8758% | 2,963 |
| Return on assets (ROA) | 0.8877% | 3,012 |
| Pretax return on assets | 1.3903% | 1,961 |
| Return on Equity (ROE) | 9.9913% | 2,188 |
| Retained earnings to average equity (ytd only) | 6.5333% | 2,116 |
| Net charge-offs to loans | 0.0393% | 4,358 |
| Credit loss provision to net charge-offs | 580.6452% | 487 |
| Earnings coverage of net charge-offs (x) | 46.1316% | 911 |
| Efficiency ratio | 63.1443% | 4,957 |
| Assets per employee ($millions) | 3.5796% | 4,690 |
| Cash dividends to net income (ytd only)* | 34.6102% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 2,937 |
| Loan loss allowance to noncurrent loans | 100.9340% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.6663% | 2,466 |
| Noncurrent loans to loans | 1.6003% | 2,774 |
| Net loans and leases to total assets | 86.5297% | 128 |
| Net loans and leases to deposits | 101.9912% | 382 |
| Net loans and leases to core deposits | 112.0103% | 506 |
| Total domestic deposits to total assets | 84.8404% | 3,821 |
| Equity capital to assets | 9.0941% | 5,067 |
| Core capital (leverage) ratio | 9.0614% | 5,027 |
| Tier 1 risk-based capital ratio | 10.9719% | 6,297 |
| Total risk-based capital ratio | 12.2277% | 6,257 |
| Memoranda: | ||
| Average total assets | $121,503,250 | 4,286 |
| Average earning assets | $114,578,500 | 4,212 |
| Average equity | $10,795,750 | 4,733 |
| Average total loans | $105,219,000 | 3,360 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6111% | 1,816 |
| Cost of funding earning assets | 0.5674% | 3,241 |
| Net interest margin | 4.0436% | 1,719 |
| Noninterest income to average assets | 0.4019% | 4,515 |
| Noninterest expense to average assets | 2.5462% | 4,575 |
| Loan and lease loss provision to assets | 0.1976% | 1,921 |
| Net operating income to assets | 0.7282% | 3,679 |
| Return on assets (ROA) | 0.7461% | 3,739 |
| Pretax return on assets | 1.5004% | 1,618 |
| Return on Equity (ROE) | 8.4633% | 2,869 |
| Retained earnings to average equity (ytd only) | 3.8860% | 3,827 |
| Net charge-offs to loans | 0.0574% | 3,882 |
| Credit loss provision to net charge-offs | 400.0000% | 655 |
| Earnings coverage of net charge-offs (x) | 33.8000% | 1,050 |
| Efficiency ratio | 60.3906% | 5,425 |
| Assets per employee ($millions) | 3.5972% | 4,630 |
| Cash dividends to net income (ytd only)* | 54.0839% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5751% | 3,240 |
| Loan loss allowance to noncurrent loans | 84.8577% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.8977% | 2,284 |
| Noncurrent loans to loans | 1.8562% | 2,552 |
| Net loans and leases to total assets | 85.3235% | 170 |
| Net loans and leases to deposits | 98.0172% | 539 |
| Net loans and leases to core deposits | 109.6605% | 577 |
| Total domestic deposits to total assets | 87.0495% | 2,793 |
| Equity capital to assets | 8.7798% | 5,464 |
| Core capital (leverage) ratio | 8.8161% | 5,268 |
| Tier 1 risk-based capital ratio | 10.7213% | 6,439 |
| Total risk-based capital ratio | 11.9760% | 6,408 |
| Memoranda: | ||
| Average total assets | $121,436,000 | 4,316 |
| Average earning assets | $114,550,000 | 4,245 |
| Average equity | $10,705,000 | 4,791 |
| Average total loans | $104,612,000 | 3,390 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 1,731 |
| Cost of funding earning assets | 0.6414% | 2,730 |
| Net interest margin | 3.9921% | 1,823 |
| Noninterest income to average assets | 0.3669% | 4,740 |
| Noninterest expense to average assets | 2.5586% | 4,535 |
| Loan and lease loss provision to assets | 0.1983% | 1,872 |
| Net operating income to assets | -0.1186% | 6,459 |
| Return on assets (ROA) | -0.0826% | 6,476 |
| Pretax return on assets | 1.4314% | 1,767 |
| Return on Equity (ROE) | -0.9356% | 6,496 |
| Retained earnings to average equity (ytd only) | -8.7945% | 6,567 |
| Net charge-offs to loans | -0.0885% | 6,389 |
| Credit loss provision to net charge-offs | -260.8696% | 5,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9200% | 5,312 |
| Assets per employee ($millions) | 4.2011% | 3,536 |
| Cash dividends to net income (ytd only)* | -840.0000% | 7,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 3,491 |
| Loan loss allowance to noncurrent loans | 84.2452% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.9395% | 2,423 |
| Noncurrent loans to loans | 1.8744% | 2,766 |
| Net loans and leases to total assets | 85.0738% | 159 |
| Net loans and leases to deposits | 97.7323% | 460 |
| Net loans and leases to core deposits | 109.1537% | 521 |
| Total domestic deposits to total assets | 87.0478% | 2,933 |
| Equity capital to assets | 8.6914% | 5,820 |
| Core capital (leverage) ratio | 8.5948% | 5,450 |
| Tier 1 risk-based capital ratio | 10.5439% | 6,564 |
| Total risk-based capital ratio | 11.8032% | 6,536 |
| Memoranda: | ||
| Average total assets | $121,002,000 | 4,375 |
| Average earning assets | $114,124,500 | 4,282 |
| Average equity | $10,688,500 | 4,840 |
| Average total loans | $103,906,000 | 3,422 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8865% | 1,882 |
| Cost of funding earning assets | 0.7871% | 2,764 |
| Net interest margin | 4.0994% | 2,007 |
| Noninterest income to average assets | 0.5326% | 3,693 |
| Noninterest expense to average assets | 2.5071% | 5,069 |
| Loan and lease loss provision to assets | 0.2103% | 3,042 |
| Net operating income to assets | 1.0670% | 2,060 |
| Return on assets (ROA) | 1.1316% | 2,005 |
| Pretax return on assets | 1.7718% | 970 |
| Return on Equity (ROE) | 12.7762% | 1,286 |
| Retained earnings to average equity (ytd only) | 5.9749% | 2,092 |
| Net charge-offs to loans | 0.3282% | 3,002 |
| Credit loss provision to net charge-offs | 75.9878% | 3,972 |
| Earnings coverage of net charge-offs (x) | 6.7964% | 2,738 |
| Efficiency ratio | 57.1319% | 5,942 |
| Assets per employee ($millions) | 4.1438% | 3,660 |
| Cash dividends to net income (ytd only)* | 53.2342% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 3,563 |
| Loan loss allowance to noncurrent loans | 79.8787% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 2.0005% | 2,450 |
| Noncurrent loans to loans | 1.9297% | 2,771 |
| Net loans and leases to total assets | 83.9812% | 216 |
| Net loans and leases to deposits | 100.9695% | 376 |
| Net loans and leases to core deposits | 108.6843% | 581 |
| Total domestic deposits to total assets | 83.1748% | 4,645 |
| Equity capital to assets | 8.9772% | 5,546 |
| Core capital (leverage) ratio | 8.8274% | 5,135 |
| Tier 1 risk-based capital ratio | 11.2793% | 6,226 |
| Total risk-based capital ratio | 12.5346% | 6,191 |
| Memoranda: | ||
| Average total assets | $118,861,400 | 4,384 |
| Average earning assets | $111,797,400 | 4,298 |
| Average equity | $10,527,400 | 4,864 |
| Average total loans | $100,253,600 | 3,517 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8942% | 2,029 |
| Cost of funding earning assets | 0.8123% | 2,844 |
| Net interest margin | 4.0819% | 2,160 |
| Noninterest income to average assets | 0.5500% | 3,612 |
| Noninterest expense to average assets | 2.5039% | 5,065 |
| Loan and lease loss provision to assets | 0.2025% | 3,058 |
| Net operating income to assets | 1.0744% | 2,194 |
| Return on assets (ROA) | 1.1608% | 2,060 |
| Pretax return on assets | 1.8166% | 1,000 |
| Return on Equity (ROE) | 13.1518% | 1,300 |
| Retained earnings to average equity (ytd only) | 7.6846% | 1,764 |
| Net charge-offs to loans | 0.3798% | 2,577 |
| Credit loss provision to net charge-offs | 63.3803% | 4,062 |
| Earnings coverage of net charge-offs (x) | 5.8979% | 2,900 |
| Efficiency ratio | 57.0623% | 5,909 |
| Assets per employee ($millions) | 4.0890% | 3,703 |
| Cash dividends to net income (ytd only)* | 41.5699% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 3,891 |
| Loan loss allowance to noncurrent loans | 57.1061% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 2.3942% | 2,226 |
| Noncurrent loans to loans | 2.6513% | 2,136 |
| Net loans and leases to total assets | 85.3019% | 172 |
| Net loans and leases to deposits | 101.6235% | 372 |
| Net loans and leases to core deposits | 109.6619% | 584 |
| Total domestic deposits to total assets | 83.9391% | 4,248 |
| Equity capital to assets | 9.0901% | 5,726 |
| Core capital (leverage) ratio | 8.9395% | 5,141 |
| Tier 1 risk-based capital ratio | 11.3131% | 6,348 |
| Total risk-based capital ratio | 12.5688% | 6,310 |
| Memoranda: | ||
| Average total assets | $118,534,000 | 4,430 |
| Average earning assets | $111,448,500 | 4,351 |
| Average equity | $10,462,250 | 4,927 |
| Average total loans | $99,691,750 | 3,564 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 2,167 |
| Cost of funding earning assets | 0.8374% | 2,889 |
| Net interest margin | 4.0485% | 2,301 |
| Noninterest income to average assets | 0.5248% | 3,752 |
| Noninterest expense to average assets | 2.4806% | 5,208 |
| Loan and lease loss provision to assets | 0.2025% | 3,053 |
| Net operating income to assets | 1.0432% | 2,279 |
| Return on assets (ROA) | 1.1728% | 2,013 |
| Pretax return on assets | 1.8461% | 947 |
| Return on Equity (ROE) | 13.4213% | 1,252 |
| Retained earnings to average equity (ytd only) | 8.2652% | 1,544 |
| Net charge-offs to loans | 0.2675% | 2,978 |
| Credit loss provision to net charge-offs | 90.9091% | 3,017 |
| Earnings coverage of net charge-offs (x) | 8.2879% | 2,322 |
| Efficiency ratio | 57.3323% | 5,950 |
| Assets per employee ($millions) | 4.1788% | 3,501 |
| Cash dividends to net income (ytd only)* | 38.4173% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6666% | 3,370 |
| Loan loss allowance to noncurrent loans | 58.8214% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 2.6118% | 2,121 |
| Noncurrent loans to loans | 2.8333% | 2,114 |
| Net loans and leases to total assets | 83.0532% | 266 |
| Net loans and leases to deposits | 98.0388% | 528 |
| Net loans and leases to core deposits | 107.0620% | 698 |
| Total domestic deposits to total assets | 84.7146% | 3,994 |
| Equity capital to assets | 9.0106% | 5,688 |
| Core capital (leverage) ratio | 8.7480% | 5,301 |
| Tier 1 risk-based capital ratio | 11.4889% | 6,223 |
| Total risk-based capital ratio | 12.7458% | 6,196 |
| Memoranda: | ||
| Average total assets | $118,518,670 | 4,456 |
| Average earning assets | $111,300,330 | 4,378 |
| Average equity | $10,356,670 | 4,951 |
| Average total loans | $98,687,000 | 3,605 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 1,818 |
| Cost of funding earning assets | 0.8691% | 2,924 |
| Net interest margin | 4.1522% | 1,930 |
| Noninterest income to average assets | 0.5299% | 3,699 |
| Noninterest expense to average assets | 2.4649% | 5,270 |
| Loan and lease loss provision to assets | 0.2683% | 2,309 |
| Net operating income to assets | 1.0638% | 2,234 |
| Return on assets (ROA) | 1.3213% | 1,563 |
| Pretax return on assets | 2.0927% | 646 |
| Return on Equity (ROE) | 15.3554% | 914 |
| Retained earnings to average equity (ytd only) | 11.3022% | 964 |
| Net charge-offs to loans | 0.0041% | 4,695 |
| Credit loss provision to net charge-offs | 8,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 584.0000% | 41 |
| Efficiency ratio | 55.7240% | 6,153 |
| Assets per employee ($millions) | 4.2909% | 3,414 |
| Cash dividends to net income (ytd only)* | 26.3959% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7753% | 3,074 |
| Loan loss allowance to noncurrent loans | 75.8290% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.9477% | 2,975 |
| Noncurrent loans to loans | 2.3412% | 2,759 |
| Net loans and leases to total assets | 80.0381% | 399 |
| Net loans and leases to deposits | 94.4375% | 630 |
| Net loans and leases to core deposits | 103.0068% | 812 |
| Total domestic deposits to total assets | 84.7525% | 4,140 |
| Equity capital to assets | 8.6230% | 5,963 |
| Core capital (leverage) ratio | 8.5316% | 5,543 |
| Tier 1 risk-based capital ratio | 11.5335% | 6,261 |
| Total risk-based capital ratio | 12.7919% | 6,231 |
| Memoranda: | ||
| Average total assets | $119,274,500 | 4,468 |
| Average earning assets | $111,844,000 | 4,389 |
| Average equity | $10,263,500 | 4,983 |
| Average total loans | $98,618,000 | 3,634 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2404% | 1,911 |
| Cost of funding earning assets | 0.9982% | 3,397 |
| Net interest margin | 4.2421% | 1,918 |
| Noninterest income to average assets | 0.3457% | 5,039 |
| Noninterest expense to average assets | 2.5647% | 5,228 |
| Loan and lease loss provision to assets | 0.2519% | 3,684 |
| Net operating income to assets | 0.9786% | 2,290 |
| Return on assets (ROA) | 1.0112% | 2,304 |
| Pretax return on assets | 1.5928% | 1,220 |
| Return on Equity (ROE) | 11.4226% | 1,580 |
| Retained earnings to average equity (ytd only) | 4.9444% | 2,683 |
| Net charge-offs to loans | 0.0021% | 6,426 |
| Credit loss provision to net charge-offs | 14,100.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 1,004.0000% | 24 |
| Efficiency ratio | 58.8440% | 5,930 |
| Assets per employee ($millions) | 4.2288% | 3,414 |
| Cash dividends to net income (ytd only)* | 56.7138% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 3,306 |
| Loan loss allowance to noncurrent loans | 189.8169% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 5,169 |
| Noncurrent loans to loans | 0.8798% | 4,931 |
| Net loans and leases to total assets | 82.4948% | 308 |
| Net loans and leases to deposits | 97.4723% | 589 |
| Net loans and leases to core deposits | 107.3467% | 739 |
| Total domestic deposits to total assets | 84.6341% | 4,030 |
| Equity capital to assets | 8.5866% | 6,029 |
| Core capital (leverage) ratio | 8.4411% | 5,653 |
| Tier 1 risk-based capital ratio | 11.0446% | 6,428 |
| Total risk-based capital ratio | 12.3015% | 6,410 |
| Memoranda: | ||
| Average total assets | $111,942,200 | 4,594 |
| Average earning assets | $105,889,800 | 4,506 |
| Average equity | $9,910,200 | 5,047 |
| Average total loans | $94,735,400 | 3,751 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2843% | 1,925 |
| Cost of funding earning assets | 1.0168% | 3,554 |
| Net interest margin | 4.2675% | 1,838 |
| Noninterest income to average assets | 0.2913% | 5,525 |
| Noninterest expense to average assets | 2.6188% | 5,005 |
| Loan and lease loss provision to assets | 0.2320% | 3,691 |
| Net operating income to assets | 0.9360% | 2,585 |
| Return on assets (ROA) | 0.9801% | 2,551 |
| Pretax return on assets | 1.5517% | 1,510 |
| Return on Equity (ROE) | 10.9822% | 1,870 |
| Retained earnings to average equity (ytd only) | 6.1749% | 2,446 |
| Net charge-offs to loans | 0.0014% | 6,180 |
| Credit loss provision to net charge-offs | 19,200.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 1,422.5188% | 10 |
| Efficiency ratio | 60.4294% | 5,646 |
| Assets per employee ($millions) | 4.1420% | 3,558 |
| Cash dividends to net income (ytd only)* | 43.7728% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 3,527 |
| Loan loss allowance to noncurrent loans | 201.6688% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 5,463 |
| Noncurrent loans to loans | 0.8084% | 5,250 |
| Net loans and leases to total assets | 81.7366% | 380 |
| Net loans and leases to deposits | 96.9908% | 640 |
| Net loans and leases to core deposits | 108.2407% | 760 |
| Total domestic deposits to total assets | 84.2725% | 4,112 |
| Equity capital to assets | 8.7502% | 6,032 |
| Core capital (leverage) ratio | 8.5674% | 5,603 |
| Tier 1 risk-based capital ratio | 11.3150% | 6,351 |
| Total risk-based capital ratio | 12.5718% | 6,339 |
| Memoranda: | ||
| Average total assets | $110,326,500 | 4,665 |
| Average earning assets | $104,508,750 | 4,562 |
| Average equity | $9,846,000 | 5,080 |
| Average total loans | $93,585,000 | 3,800 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3528% | 1,713 |
| Cost of funding earning assets | 1.0318% | 3,731 |
| Net interest margin | 4.3210% | 1,593 |
| Noninterest income to average assets | 0.2434% | 5,905 |
| Noninterest expense to average assets | 2.7037% | 4,808 |
| Loan and lease loss provision to assets | 0.2213% | 3,703 |
| Net operating income to assets | 0.9148% | 2,572 |
| Return on assets (ROA) | 0.9148% | 2,673 |
| Pretax return on assets | 1.4348% | 1,707 |
| Return on Equity (ROE) | 10.1792% | 2,058 |
| Retained earnings to average equity (ytd only) | 6.1568% | 2,327 |
| Net charge-offs to loans | 0.0043% | 5,821 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 449.0000% | 71 |
| Efficiency ratio | 62.0135% | 5,580 |
| Assets per employee ($millions) | 4.2476% | 3,261 |
| Cash dividends to net income (ytd only)* | 39.5161% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 3,732 |
| Loan loss allowance to noncurrent loans | 185.1669% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.7325% | 5,446 |
| Noncurrent loans to loans | 0.8588% | 5,231 |
| Net loans and leases to total assets | 83.9457% | 248 |
| Net loans and leases to deposits | 99.7042% | 508 |
| Net loans and leases to core deposits | 111.5418% | 667 |
| Total domestic deposits to total assets | 84.1948% | 4,263 |
| Equity capital to assets | 9.0069% | 5,573 |
| Core capital (leverage) ratio | 8.8970% | 4,887 |
| Tier 1 risk-based capital ratio | 11.3092% | 6,314 |
| Total risk-based capital ratio | 12.5657% | 6,300 |
| Memoranda: | ||
| Average total assets | $108,443,670 | 4,748 |
| Average earning assets | $103,310,330 | 4,618 |
| Average equity | $9,745,330 | 5,109 |
| Average total loans | $92,658,330 | 3,871 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3753% | 1,660 |
| Cost of funding earning assets | 1.0650% | 3,747 |
| Net interest margin | 4.3103% | 1,532 |
| Noninterest income to average assets | 0.2345% | 6,037 |
| Noninterest expense to average assets | 2.7251% | 4,733 |
| Loan and lease loss provision to assets | 0.1489% | 4,153 |
| Net operating income to assets | 0.9419% | 2,390 |
| Return on assets (ROA) | 0.9419% | 2,454 |
| Pretax return on assets | 1.4891% | 1,478 |
| Return on Equity (ROE) | 10.4930% | 1,913 |
| Retained earnings to average equity (ytd only) | 9.0414% | 1,366 |
| Net charge-offs to loans | -0.0044% | 6,227 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4573% | 5,604 |
| Assets per employee ($millions) | 4.2163% | 3,429 |
| Cash dividends to net income (ytd only)* | 13.8340% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 3,970 |
| Loan loss allowance to noncurrent loans | 170.7933% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.7590% | 5,403 |
| Noncurrent loans to loans | 0.9069% | 5,232 |
| Net loans and leases to total assets | 82.3942% | 313 |
| Net loans and leases to deposits | 97.4306% | 600 |
| Net loans and leases to core deposits | 110.0172% | 721 |
| Total domestic deposits to total assets | 84.5671% | 4,239 |
| Equity capital to assets | 8.9133% | 5,327 |
| Core capital (leverage) ratio | 8.9496% | 4,694 |
| Tier 1 risk-based capital ratio | 11.7695% | 5,879 |
| Total risk-based capital ratio | 13.0250% | 5,887 |
| Memoranda: | ||
| Average total assets | $107,446,500 | 4,806 |
| Average earning assets | $102,915,500 | 4,662 |
| Average equity | $9,644,500 | 5,136 |
| Average total loans | $91,884,500 | 3,933 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 2,243 |
| Cost of funding earning assets | 1.2245% | 4,393 |
| Net interest margin | 4.2845% | 1,881 |
| Noninterest income to average assets | 0.2940% | 5,680 |
| Noninterest expense to average assets | 2.5151% | 5,733 |
| Loan and lease loss provision to assets | 0.3629% | 3,940 |
| Net operating income to assets | 0.9895% | 2,073 |
| Return on assets (ROA) | 0.9900% | 2,178 |
| Pretax return on assets | 1.5809% | 1,176 |
| Return on Equity (ROE) | 11.2085% | 1,524 |
| Retained earnings to average equity (ytd only) | 5.5726% | 2,077 |
| Net charge-offs to loans | 0.1389% | 5,536 |
| Credit loss provision to net charge-offs | 293.2331% | 916 |
| Earnings coverage of net charge-offs (x) | 15.6992% | 1,264 |
| Efficiency ratio | 56.4183% | 6,540 |
| Assets per employee ($millions) | 4.3863% | 3,060 |
| Cash dividends to net income (ytd only)* | 50.2820% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 4,015 |
| Loan loss allowance to noncurrent loans | 160.0928% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8188% | 5,362 |
| Noncurrent loans to loans | 0.9367% | 5,176 |
| Net loans and leases to total assets | 86.1072% | 180 |
| Net loans and leases to deposits | 102.2862% | 474 |
| Net loans and leases to core deposits | 115.7752% | 649 |
| Total domestic deposits to total assets | 84.1826% | 4,283 |
| Equity capital to assets | 9.0415% | 5,082 |
| Core capital (leverage) ratio | 8.8902% | 4,716 |
| Tier 1 risk-based capital ratio | 11.9989% | 5,477 |
| Total risk-based capital ratio | 13.2551% | 5,450 |
| Memoranda: | ||
| Average total assets | $107,469,600 | 4,787 |
| Average earning assets | $104,447,400 | 4,597 |
| Average equity | $9,492,800 | 5,268 |
| Average total loans | $95,745,400 | 3,901 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5160% | 2,371 |
| Cost of funding earning assets | 1.2520% | 4,562 |
| Net interest margin | 4.2640% | 1,974 |
| Noninterest income to average assets | 0.2765% | 5,892 |
| Noninterest expense to average assets | 2.4649% | 5,835 |
| Loan and lease loss provision to assets | 0.3333% | 3,939 |
| Net operating income to assets | 1.0175% | 2,177 |
| Return on assets (ROA) | 1.0183% | 2,287 |
| Pretax return on assets | 1.6244% | 1,283 |
| Return on Equity (ROE) | 11.5951% | 1,621 |
| Retained earnings to average equity (ytd only) | 11.5951% | 510 |
| Net charge-offs to loans | 0.1365% | 5,205 |
| Credit loss provision to net charge-offs | 272.7273% | 1,201 |
| Earnings coverage of net charge-offs (x) | 16.0097% | 1,405 |
| Efficiency ratio | 55.7510% | 6,591 |
| Assets per employee ($millions) | 4.4451% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 4,717 |
| Loan loss allowance to noncurrent loans | 142.1978% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.9186% | 5,274 |
| Noncurrent loans to loans | 0.9478% | 5,337 |
| Net loans and leases to total assets | 88.7845% | 86 |
| Net loans and leases to deposits | 106.1861% | 356 |
| Net loans and leases to core deposits | 120.4558% | 596 |
| Total domestic deposits to total assets | 83.6122% | 4,313 |
| Equity capital to assets | 9.3098% | 5,125 |
| Core capital (leverage) ratio | 9.0676% | 4,572 |
| Tier 1 risk-based capital ratio | 11.6369% | 5,801 |
| Total risk-based capital ratio | 12.8898% | 5,775 |
| Memoranda: | ||
| Average total assets | $108,019,500 | 4,837 |
| Average earning assets | $105,001,000 | 4,641 |
| Average equity | $9,486,500 | 5,346 |
| Average total loans | $96,675,500 | 3,951 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5168% | 2,455 |
| Cost of funding earning assets | 1.2896% | 4,599 |
| Net interest margin | 4.2272% | 2,062 |
| Noninterest income to average assets | 0.2379% | 6,204 |
| Noninterest expense to average assets | 2.4284% | 5,982 |
| Loan and lease loss provision to assets | 0.3135% | 3,868 |
| Net operating income to assets | 1.0012% | 2,200 |
| Return on assets (ROA) | 1.0012% | 2,277 |
| Pretax return on assets | 1.6060% | 1,288 |
| Return on Equity (ROE) | 11.6299% | 1,550 |
| Retained earnings to average equity (ytd only) | 11.6299% | 544 |
| Net charge-offs to loans | 0.2043% | 4,392 |
| Credit loss provision to net charge-offs | 171.7172% | 2,271 |
| Earnings coverage of net charge-offs (x) | 10.5152% | 1,881 |
| Efficiency ratio | 55.8524% | 6,652 |
| Assets per employee ($millions) | 4.2642% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 5,142 |
| Loan loss allowance to noncurrent loans | 198.3389% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 5,944 |
| Noncurrent loans to loans | 0.6338% | 5,978 |
| Net loans and leases to total assets | 87.9829% | 132 |
| Net loans and leases to deposits | 107.3243% | 339 |
| Net loans and leases to core deposits | 120.4972% | 679 |
| Total domestic deposits to total assets | 81.9785% | 4,996 |
| Equity capital to assets | 9.0211% | 5,414 |
| Core capital (leverage) ratio | 8.6856% | 5,102 |
| Tier 1 risk-based capital ratio | 11.3243% | 5,918 |
| Total risk-based capital ratio | 12.5763% | 5,903 |
| Memoranda: | ||
| Average total assets | $108,465,000 | 4,851 |
| Average earning assets | $105,459,670 | 4,657 |
| Average equity | $9,338,000 | 5,403 |
| Average total loans | $96,896,670 | 3,986 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5278% | 2,465 |
| Cost of funding earning assets | 1.3660% | 4,386 |
| Net interest margin | 4.1619% | 2,186 |
| Noninterest income to average assets | 0.2340% | 6,282 |
| Noninterest expense to average assets | 2.3146% | 6,338 |
| Loan and lease loss provision to assets | 0.2925% | 3,680 |
| Net operating income to assets | 1.0384% | 2,038 |
| Return on assets (ROA) | 1.0384% | 2,099 |
| Pretax return on assets | 1.6710% | 1,115 |
| Return on Equity (ROE) | 12.3498% | 1,406 |
| Retained earnings to average equity (ytd only) | 12.3498% | 702 |
| Net charge-offs to loans | 0.2575% | 3,392 |
| Credit loss provision to net charge-offs | 126.9841% | 2,776 |
| Earnings coverage of net charge-offs (x) | 8.5238% | 1,952 |
| Efficiency ratio | 54.1026% | 6,962 |
| Assets per employee ($millions) | 4.6216% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 5,616 |
| Loan loss allowance to noncurrent loans | 163.5581% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 5,913 |
| Noncurrent loans to loans | 0.7203% | 5,882 |
| Net loans and leases to total assets | 86.2087% | 204 |
| Net loans and leases to deposits | 106.2774% | 409 |
| Net loans and leases to core deposits | 121.8676% | 714 |
| Total domestic deposits to total assets | 81.1167% | 5,416 |
| Equity capital to assets | 8.4242% | 6,119 |
| Core capital (leverage) ratio | 8.5336% | 5,316 |
| Tier 1 risk-based capital ratio | 10.7161% | 6,424 |
| Total risk-based capital ratio | 11.9668% | 6,412 |
| Memoranda: | ||
| Average total assets | $109,394,500 | 4,888 |
| Average earning assets | $106,298,500 | 4,691 |
| Average equity | $9,198,500 | 5,480 |
| Average total loans | $97,850,500 | 4,027 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7032% | 3,093 |
| Cost of funding earning assets | 1.9755% | 3,077 |
| Net interest margin | 3.7277% | 4,017 |
| Noninterest income to average assets | 0.2708% | 6,181 |
| Noninterest expense to average assets | 2.5094% | 6,091 |
| Loan and lease loss provision to assets | 0.1995% | 5,742 |
| Net operating income to assets | 0.7276% | 2,820 |
| Return on assets (ROA) | 0.7276% | 2,897 |
| Pretax return on assets | 1.1478% | 2,103 |
| Return on Equity (ROE) | 8.9071% | 2,057 |
| Retained earnings to average equity (ytd only) | 8.9071% | 510 |
| Net charge-offs to loans | 0.1181% | 5,992 |
| Credit loss provision to net charge-offs | 188.1818% | 2,143 |
| Earnings coverage of net charge-offs (x) | 12.7091% | 1,482 |
| Efficiency ratio | 65.0675% | 5,569 |
| Assets per employee ($millions) | 4.6900% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 5,720 |
| Loan loss allowance to noncurrent loans | 295.5263% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 6,564 |
| Noncurrent loans to loans | 0.3841% | 6,509 |
| Net loans and leases to total assets | 90.6796% | 66 |
| Net loans and leases to deposits | 110.7316% | 360 |
| Net loans and leases to core deposits | 147.5637% | 570 |
| Total domestic deposits to total assets | 81.8913% | 5,000 |
| Equity capital to assets | 8.3924% | 6,063 |
| Core capital (leverage) ratio | 8.4904% | 5,293 |
| Tier 1 risk-based capital ratio | 10.0053% | 6,866 |
| Total risk-based capital ratio | 11.2551% | 6,833 |
| Memoranda: | ||
| Average total assets | $103,768,200 | 4,987 |
| Average earning assets | $99,821,000 | 4,848 |
| Average equity | $8,476,400 | 5,771 |
| Average total loans | $93,128,600 | 4,128 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6726% | 3,466 |
| Cost of funding earning assets | 2.0905% | 2,929 |
| Net interest margin | 3.5820% | 4,550 |
| Noninterest income to average assets | 0.2634% | 6,344 |
| Noninterest expense to average assets | 2.5435% | 5,922 |
| Loan and lease loss provision to assets | 0.1752% | 5,610 |
| Net operating income to assets | 0.6151% | 3,555 |
| Return on assets (ROA) | 0.6151% | 3,604 |
| Pretax return on assets | 0.9824% | 2,960 |
| Return on Equity (ROE) | 7.5847% | 2,824 |
| Retained earnings to average equity (ytd only) | 7.5847% | 1,275 |
| Net charge-offs to loans | 0.0887% | 5,796 |
| Credit loss provision to net charge-offs | 221.3115% | 1,977 |
| Earnings coverage of net charge-offs (x) | 14.6231% | 1,586 |
| Efficiency ratio | 68.7237% | 4,838 |
| Assets per employee ($millions) | 4.4534% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,364 |
| Loan loss allowance to noncurrent loans | 401.4599% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 6,692 |
| Noncurrent loans to loans | 0.2886% | 6,786 |
| Net loans and leases to total assets | 91.6078% | 65 |
| Net loans and leases to deposits | 115.2968% | 286 |
| Net loans and leases to core deposits | 154.0325% | 495 |
| Total domestic deposits to total assets | 79.4539% | 5,643 |
| Equity capital to assets | 8.5680% | 6,156 |
| Core capital (leverage) ratio | 8.3315% | 5,781 |
| Tier 1 risk-based capital ratio | 10.0286% | 6,949 |
| Total risk-based capital ratio | 11.2884% | 6,892 |
| Memoranda: | ||
| Average total assets | $102,742,500 | 5,051 |
| Average earning assets | $98,600,750 | 4,904 |
| Average equity | $8,332,250 | 5,877 |
| Average total loans | $91,675,750 | 4,205 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5972% | 4,096 |
| Cost of funding earning assets | 2.1884% | 2,847 |
| Net interest margin | 3.4087% | 5,130 |
| Noninterest income to average assets | 0.2509% | 6,492 |
| Noninterest expense to average assets | 2.5416% | 5,977 |
| Loan and lease loss provision to assets | 0.1750% | 5,296 |
| Net operating income to assets | 0.4920% | 4,114 |
| Return on assets (ROA) | 0.4920% | 4,240 |
| Pretax return on assets | 0.7934% | 3,693 |
| Return on Equity (ROE) | 6.1825% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.1825% | 1,935 |
| Net charge-offs to loans | 0.0684% | 5,551 |
| Credit loss provision to net charge-offs | 290.3226% | 1,607 |
| Earnings coverage of net charge-offs (x) | 16.0645% | 1,550 |
| Efficiency ratio | 72.4100% | 4,326 |
| Assets per employee ($millions) | 4.5916% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 4,991 |
| Loan loss allowance to noncurrent loans | 1,373.4177% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 7,124 |
| Noncurrent loans to loans | 0.0869% | 7,307 |
| Net loans and leases to total assets | 85.0491% | 502 |
| Net loans and leases to deposits | 102.6515% | 1,024 |
| Net loans and leases to core deposits | 137.3874% | 1,137 |
| Total domestic deposits to total assets | 82.8523% | 4,306 |
| Equity capital to assets | 8.0649% | 6,673 |
| Core capital (leverage) ratio | 7.9706% | 6,384 |
| Tier 1 risk-based capital ratio | 10.1322% | 6,798 |
| Total risk-based capital ratio | 11.3782% | 6,720 |
| Memoranda: | ||
| Average total assets | $102,847,330 | 5,080 |
| Average earning assets | $98,335,670 | 4,946 |
| Average equity | $8,184,330 | 5,958 |
| Average total loans | $90,590,330 | 4,262 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5762% | 4,493 |
| Cost of funding earning assets | 2.2617% | 2,877 |
| Net interest margin | 3.3145% | 5,445 |
| Noninterest income to average assets | 0.2799% | 6,188 |
| Noninterest expense to average assets | 2.6097% | 5,417 |
| Loan and lease loss provision to assets | 0.1774% | 4,684 |
| Net operating income to assets | 0.4139% | 4,804 |
| Return on assets (ROA) | 0.4139% | 4,980 |
| Pretax return on assets | 0.6702% | 4,521 |
| Return on Equity (ROE) | 5.2382% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.2382% | 2,998 |
| Net charge-offs to loans | 0.1238% | 3,978 |
| Credit loss provision to net charge-offs | 160.7143% | 2,638 |
| Earnings coverage of net charge-offs (x) | 7.6786% | 2,314 |
| Efficiency ratio | 75.1425% | 3,631 |
| Assets per employee ($millions) | 4.6076% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 5,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 7,307 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 85.0635% | 543 |
| Net loans and leases to deposits | 101.8323% | 1,195 |
| Net loans and leases to core deposits | 138.5327% | 1,171 |
| Total domestic deposits to total assets | 83.5329% | 3,908 |
| Equity capital to assets | 7.9170% | 6,935 |
| Core capital (leverage) ratio | 8.1594% | 6,174 |
| Tier 1 risk-based capital ratio | 9.8610% | 7,074 |
| Total risk-based capital ratio | 11.1051% | 6,980 |
| Memoranda: | ||
| Average total assets | $101,468,000 | 5,135 |
| Average earning assets | $97,271,000 | 4,997 |
| Average equity | $8,018,000 | 6,059 |
| Average total loans | $90,434,500 | 4,296 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3364% | 3,754 |
| Cost of funding earning assets | 2.7879% | 2,759 |
| Net interest margin | 3.5484% | 5,103 |
| Noninterest income to average assets | 0.3534% | 5,903 |
| Noninterest expense to average assets | 2.7163% | 5,196 |
| Loan and lease loss provision to assets | 0.2879% | 4,080 |
| Net operating income to assets | 0.4450% | 4,971 |
| Return on assets (ROA) | 0.4595% | 4,731 |
| Pretax return on assets | 0.7485% | 4,253 |
| Return on Equity (ROE) | 5.7499% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.7499% | 1,643 |
| Net charge-offs to loans | 0.0750% | 5,689 |
| Credit loss provision to net charge-offs | 418.0328% | 1,043 |
| Earnings coverage of net charge-offs (x) | 14.7213% | 2,011 |
| Efficiency ratio | 72.4576% | 3,850 |
| Assets per employee ($millions) | 4.2157% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 4,968 |
| Loan loss allowance to noncurrent loans | 820.8000% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 7,069 |
| Noncurrent loans to loans | 0.1394% | 6,992 |
| Net loans and leases to total assets | 91.4326% | 107 |
| Net loans and leases to deposits | 119.8497% | 388 |
| Net loans and leases to core deposits | 166.3146% | 470 |
| Total domestic deposits to total assets | 76.2894% | 6,172 |
| Equity capital to assets | 7.8856% | 6,989 |
| Core capital (leverage) ratio | 8.0269% | 6,448 |
| Tier 1 risk-based capital ratio | 9.4227% | 7,390 |
| Total risk-based capital ratio | 10.6735% | 7,306 |
| Memoranda: | ||
| Average total assets | $88,575,200 | 5,401 |
| Average earning assets | $84,291,400 | 5,294 |
| Average equity | $7,078,400 | 6,435 |
| Average total loans | $81,359,800 | 4,481 |