Home > Grant County State Bank > Performance and Condition Ratios
Grant County State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4424% | 373 |
| Cost of funding earning assets | 1.8705% | 1,124 |
| Net interest margin | 4.5718% | 548 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.0287% | 4,498 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 3.4267% | 129 |
| Return on assets (ROA) | 3.4267% | 126 |
| Pretax return on assets | 3.4267% | 152 |
| Return on Equity (ROE) | 26.9200% | 257 |
| Retained earnings to average equity (ytd only) | 15.4991% | 297 |
| Net charge-offs to loans | 0.0796% | 1,070 |
| Credit loss provision to net charge-offs | 261.0811% | 1,042 |
| Earnings coverage of net charge-offs (x) | 56.6649% | 1,223 |
| Efficiency ratio | 21.8539% | 4,521 |
| Assets per employee ($millions) | 14.8992% | 216 |
| Cash dividends to net income (ytd only)* | 42.4300% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9115% | 446 |
| Loan loss allowance to noncurrent loans | 50.0674% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 2.9413% | 76 |
| Noncurrent loans to loans | 3.8178% | 93 |
| Net loans and leases to total assets | 75.5700% | 1,170 |
| Net loans and leases to deposits | 100.1063% | 531 |
| Net loans and leases to core deposits | 114.2996% | 804 |
| Total domestic deposits to total assets | 75.4900% | 3,989 |
| Equity capital to assets | 12.0967% | 1,097 |
| Core capital (leverage) ratio | 12.6511% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6985% | 719 |
| Memoranda: | ||
| Average total assets | $291,825,400 | 2,459 |
| Average earning assets | $281,418,600 | 2,408 |
| Average equity | $37,144,200 | 1,974 |
| Average total loans | $232,416,600 | 2,090 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4183% | 331 |
| Cost of funding earning assets | 1.7080% | 1,176 |
| Net interest margin | 4.7103% | 457 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.0677% | 4,512 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 3.5138% | 134 |
| Return on assets (ROA) | 3.5138% | 133 |
| Pretax return on assets | 3.5138% | 161 |
| Return on Equity (ROE) | 27.2200% | 302 |
| Retained earnings to average equity (ytd only) | 19.4678% | 281 |
| Net charge-offs to loans | 0.0399% | 1,318 |
| Credit loss provision to net charge-offs | 527.9412% | 609 |
| Earnings coverage of net charge-offs (x) | 114.8971% | 863 |
| Efficiency ratio | 22.0579% | 4,545 |
| Assets per employee ($millions) | 13.1425% | 288 |
| Cash dividends to net income (ytd only)* | 28.4679% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0016% | 385 |
| Loan loss allowance to noncurrent loans | 129.1879% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.2343% | 355 |
| Noncurrent loans to loans | 1.5494% | 458 |
| Net loans and leases to total assets | 78.0700% | 874 |
| Net loans and leases to deposits | 106.1933% | 288 |
| Net loans and leases to core deposits | 117.7457% | 615 |
| Total domestic deposits to total assets | 73.5200% | 4,188 |
| Equity capital to assets | 12.9785% | 820 |
| Core capital (leverage) ratio | 13.4802% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6519% | 648 |
| Memoranda: | ||
| Average total assets | $282,836,000 | 2,507 |
| Average earning assets | $272,361,250 | 2,458 |
| Average equity | $36,517,500 | 1,983 |
| Average total loans | $227,388,750 | 2,116 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3425% | 302 |
| Cost of funding earning assets | 1.5813% | 1,105 |
| Net interest margin | 4.7612% | 422 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.0964% | 4,539 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 3.5375% | 118 |
| Return on assets (ROA) | 3.5375% | 119 |
| Pretax return on assets | 3.5375% | 143 |
| Return on Equity (ROE) | 27.4500% | 278 |
| Retained earnings to average equity (ytd only) | 15.5393% | 510 |
| Net charge-offs to loans | 0.0413% | 1,103 |
| Credit loss provision to net charge-offs | 519.5652% | 637 |
| Earnings coverage of net charge-offs (x) | 111.4565% | 882 |
| Efficiency ratio | 22.3878% | 4,570 |
| Assets per employee ($millions) | 12.5036% | 331 |
| Cash dividends to net income (ytd only)* | 43.3920% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0279% | 398 |
| Loan loss allowance to noncurrent loans | 195.2046% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8411% | 597 |
| Noncurrent loans to loans | 1.0389% | 715 |
| Net loans and leases to total assets | 79.3300% | 698 |
| Net loans and leases to deposits | 108.4773% | 239 |
| Net loans and leases to core deposits | 112.4109% | 737 |
| Total domestic deposits to total assets | 73.1300% | 4,247 |
| Equity capital to assets | 12.7497% | 874 |
| Core capital (leverage) ratio | 13.0862% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7137% | 743 |
| Memoranda: | ||
| Average total assets | $276,355,333 | 2,549 |
| Average earning assets | $265,859,333 | 2,495 |
| Average equity | $35,613,000 | 2,035 |
| Average total loans | $222,916,333 | 2,138 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1377% | 263 |
| Cost of funding earning assets | 1.4327% | 967 |
| Net interest margin | 4.7050% | 436 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.0992% | 4,602 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 3.5059% | 120 |
| Return on assets (ROA) | 3.5059% | 120 |
| Pretax return on assets | 3.5059% | 142 |
| Return on Equity (ROE) | 27.0500% | 322 |
| Retained earnings to average equity (ytd only) | 27.0531% | 145 |
| Net charge-offs to loans | 0.0147% | 1,405 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 311.6250% | 358 |
| Efficiency ratio | 22.5517% | 4,638 |
| Assets per employee ($millions) | 12.0181% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1279% | 362 |
| Loan loss allowance to noncurrent loans | 244.5205% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6866% | 718 |
| Noncurrent loans to loans | 0.8703% | 868 |
| Net loans and leases to total assets | 77.2200% | 850 |
| Net loans and leases to deposits | 106.9242% | 230 |
| Net loans and leases to core deposits | 109.7415% | 711 |
| Total domestic deposits to total assets | 72.2200% | 4,352 |
| Equity capital to assets | 13.1226% | 733 |
| Core capital (leverage) ratio | 13.2721% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8670% | 671 |
| Memoranda: | ||
| Average total assets | $270,741,500 | 2,611 |
| Average earning assets | $260,487,500 | 2,559 |
| Average equity | $35,086,500 | 2,078 |
| Average total loans | $217,948,500 | 2,182 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 267 |
| Cost of funding earning assets | 0.9704% | 187 |
| Net interest margin | 4.0995% | 658 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.0312% | 4,640 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 2.9403% | 112 |
| Return on assets (ROA) | 2.9403% | 108 |
| Pretax return on assets | 2.9403% | 131 |
| Return on Equity (ROE) | 25.4500% | 196 |
| Retained earnings to average equity (ytd only) | 15.3976% | 261 |
| Net charge-offs to loans | 0.0232% | 1,598 |
| Credit loss provision to net charge-offs | 1,021.2766% | 419 |
| Earnings coverage of net charge-offs (x) | 181.9574% | 695 |
| Efficiency ratio | 24.3872% | 4,680 |
| Assets per employee ($millions) | 11.5246% | 447 |
| Cash dividends to net income (ytd only)* | 39.4945% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0794% | 379 |
| Loan loss allowance to noncurrent loans | 215.1544% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 596 |
| Noncurrent loans to loans | 0.9665% | 765 |
| Net loans and leases to total assets | 80.4600% | 542 |
| Net loans and leases to deposits | 111.7363% | 136 |
| Net loans and leases to core deposits | 114.9561% | 463 |
| Total domestic deposits to total assets | 72.0100% | 4,426 |
| Equity capital to assets | 12.7893% | 744 |
| Core capital (leverage) ratio | 12.5478% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4892% | 780 |
| Memoranda: | ||
| Average total assets | $274,533,600 | 2,578 |
| Average earning assets | $265,448,600 | 2,518 |
| Average equity | $31,719,200 | 2,260 |
| Average total loans | $202,435,800 | 2,210 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 287 |
| Cost of funding earning assets | 0.9404% | 83 |
| Net interest margin | 3.8577% | 873 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.0064% | 4,675 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 2.7186% | 127 |
| Return on assets (ROA) | 2.7186% | 123 |
| Pretax return on assets | 2.7186% | 171 |
| Return on Equity (ROE) | 24.1500% | 215 |
| Retained earnings to average equity (ytd only) | 17.7366% | 173 |
| Net charge-offs to loans | 0.0121% | 1,666 |
| Credit loss provision to net charge-offs | 2,000.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 333.6667% | 435 |
| Efficiency ratio | 25.3088% | 4,709 |
| Assets per employee ($millions) | 11.8312% | 405 |
| Cash dividends to net income (ytd only)* | 26.5498% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0970% | 412 |
| Loan loss allowance to noncurrent loans | 322.6017% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 1,084 |
| Noncurrent loans to loans | 0.6500% | 1,254 |
| Net loans and leases to total assets | 76.1600% | 898 |
| Net loans and leases to deposits | 104.4619% | 226 |
| Net loans and leases to core deposits | 107.1123% | 557 |
| Total domestic deposits to total assets | 72.9100% | 4,483 |
| Equity capital to assets | 12.1870% | 845 |
| Core capital (leverage) ratio | 12.0089% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5434% | 782 |
| Memoranda: | ||
| Average total assets | $276,900,500 | 2,585 |
| Average earning assets | $268,100,500 | 2,527 |
| Average equity | $31,174,000 | 2,316 |
| Average total loans | $198,595,000 | 2,237 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5869% | 319 |
| Cost of funding earning assets | 0.9181% | 52 |
| Net interest margin | 3.6688% | 965 |
| Noninterest income to average assets | 0.1616% | 4,201 |
| Noninterest expense to average assets | 0.9767% | 4,700 |
| Loan and lease loss provision to assets | 0.1724% | 519 |
| Net operating income to assets | 2.5710% | 101 |
| Return on assets (ROA) | 2.5710% | 98 |
| Pretax return on assets | 2.5710% | 152 |
| Return on Equity (ROE) | 23.4669% | 151 |
| Retained earnings to average equity (ytd only) | 13.6410% | 400 |
| Net charge-offs to loans | -0.0206% | 3,891 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.7143% | 4,735 |
| Assets per employee ($millions) | 12.4469% | 332 |
| Cash dividends to net income (ytd only)* | 41.8715% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1896% | 387 |
| Loan loss allowance to noncurrent loans | 476.5864% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 1,728 |
| Noncurrent loans to loans | 0.4594% | 1,737 |
| Net loans and leases to total assets | 67.9710% | 1,480 |
| Net loans and leases to deposits | 90.6324% | 680 |
| Net loans and leases to core deposits | 93.0028% | 973 |
| Total domestic deposits to total assets | 74.9963% | 4,506 |
| Equity capital to assets | 10.8625% | 1,275 |
| Core capital (leverage) ratio | 11.0619% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4309% | 792 |
| Memoranda: | ||
| Average total assets | $278,494,667 | 2,595 |
| Average earning assets | $270,118,667 | 2,540 |
| Average equity | $30,511,000 | 2,394 |
| Average total loans | $194,232,333 | 2,269 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 419 |
| Cost of funding earning assets | 0.9109% | 53 |
| Net interest margin | 3.4214% | 1,256 |
| Noninterest income to average assets | 0.1690% | 4,154 |
| Noninterest expense to average assets | 0.9774% | 4,725 |
| Loan and lease loss provision to assets | 0.1748% | 439 |
| Net operating income to assets | 2.3379% | 140 |
| Return on assets (ROA) | 2.3379% | 139 |
| Pretax return on assets | 2.3379% | 221 |
| Return on Equity (ROE) | 21.2456% | 189 |
| Retained earnings to average equity (ytd only) | 21.2456% | 81 |
| Net charge-offs to loans | -0.0167% | 3,821 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.4207% | 4,755 |
| Assets per employee ($millions) | 11.4440% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1659% | 467 |
| Loan loss allowance to noncurrent loans | 144.3116% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0657% | 456 |
| Noncurrent loans to loans | 1.5008% | 551 |
| Net loans and leases to total assets | 69.4686% | 1,066 |
| Net loans and leases to deposits | 89.3036% | 547 |
| Net loans and leases to core deposits | 91.6180% | 833 |
| Total domestic deposits to total assets | 77.7892% | 4,418 |
| Equity capital to assets | 11.1485% | 1,268 |
| Core capital (leverage) ratio | 11.1898% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5909% | 814 |
| Memoranda: | ||
| Average total assets | $274,603,000 | 2,633 |
| Average earning assets | $266,560,000 | 2,573 |
| Average equity | $30,218,000 | 2,476 |
| Average total loans | $191,877,500 | 2,286 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 362 |
| Cost of funding earning assets | 1.1189% | 40 |
| Net interest margin | 3.6703% | 1,286 |
| Noninterest income to average assets | 0.1960% | 4,186 |
| Noninterest expense to average assets | 1.0648% | 4,743 |
| Loan and lease loss provision to assets | 0.2006% | 536 |
| Net operating income to assets | 2.4804% | 163 |
| Return on assets (ROA) | 2.4804% | 167 |
| Pretax return on assets | 2.4804% | 265 |
| Return on Equity (ROE) | 21.1318% | 256 |
| Retained earnings to average equity (ytd only) | 12.8426% | 417 |
| Net charge-offs to loans | 0.0830% | 974 |
| Credit loss provision to net charge-offs | 322.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 43.0400% | 1,393 |
| Efficiency ratio | 27.8160% | 4,802 |
| Assets per employee ($millions) | 11.4396% | 453 |
| Cash dividends to net income (ytd only)* | 39.2265% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1703% | 467 |
| Loan loss allowance to noncurrent loans | 147.5504% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.0424% | 515 |
| Noncurrent loans to loans | 1.4709% | 622 |
| Net loans and leases to total assets | 67.2502% | 1,339 |
| Net loans and leases to deposits | 86.0983% | 769 |
| Net loans and leases to core deposits | 88.2092% | 1,066 |
| Total domestic deposits to total assets | 78.1086% | 4,383 |
| Equity capital to assets | 10.8599% | 1,892 |
| Core capital (leverage) ratio | 11.8816% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7784% | 784 |
| Memoranda: | ||
| Average total assets | $240,805,600 | 2,790 |
| Average earning assets | $232,899,200 | 2,725 |
| Average equity | $28,265,400 | 2,633 |
| Average total loans | $180,650,200 | 2,381 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9509% | 329 |
| Cost of funding earning assets | 1.1737% | 38 |
| Net interest margin | 3.7772% | 1,161 |
| Noninterest income to average assets | 0.1825% | 4,284 |
| Noninterest expense to average assets | 1.0604% | 4,824 |
| Loan and lease loss provision to assets | 0.2083% | 480 |
| Net operating income to assets | 2.5625% | 198 |
| Return on assets (ROA) | 2.5625% | 200 |
| Pretax return on assets | 2.5625% | 303 |
| Return on Equity (ROE) | 21.3594% | 339 |
| Retained earnings to average equity (ytd only) | 16.4667% | 268 |
| Net charge-offs to loans | 0.0866% | 821 |
| Credit loss provision to net charge-offs | 312.9310% | 980 |
| Earnings coverage of net charge-offs (x) | 41.6293% | 1,346 |
| Efficiency ratio | 27.0631% | 4,878 |
| Assets per employee ($millions) | 9.7855% | 686 |
| Cash dividends to net income (ytd only)* | 22.9064% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1606% | 485 |
| Loan loss allowance to noncurrent loans | 107.3628% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.5447% | 313 |
| Noncurrent loans to loans | 2.0125% | 434 |
| Net loans and leases to total assets | 74.2255% | 675 |
| Net loans and leases to deposits | 98.4350% | 263 |
| Net loans and leases to core deposits | 101.8190% | 530 |
| Total domestic deposits to total assets | 75.4056% | 4,581 |
| Equity capital to assets | 12.1114% | 1,354 |
| Core capital (leverage) ratio | 12.1024% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0982% | 800 |
| Memoranda: | ||
| Average total assets | $232,369,250 | 2,866 |
| Average earning assets | $224,466,500 | 2,807 |
| Average equity | $27,877,750 | 2,690 |
| Average total loans | $178,629,750 | 2,432 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 356 |
| Cost of funding earning assets | 1.1981% | 45 |
| Net interest margin | 3.7731% | 1,182 |
| Noninterest income to average assets | 0.1595% | 4,400 |
| Noninterest expense to average assets | 1.0373% | 4,866 |
| Loan and lease loss provision to assets | 0.2129% | 510 |
| Net operating income to assets | 2.5513% | 205 |
| Return on assets (ROA) | 2.5513% | 218 |
| Pretax return on assets | 2.5513% | 328 |
| Return on Equity (ROE) | 21.3380% | 365 |
| Retained earnings to average equity (ytd only) | 13.8419% | 571 |
| Net charge-offs to loans | 0.0386% | 1,247 |
| Credit loss provision to net charge-offs | 714.7059% | 571 |
| Earnings coverage of net charge-offs (x) | 92.7941% | 784 |
| Efficiency ratio | 26.6421% | 4,913 |
| Assets per employee ($millions) | 10.1707% | 579 |
| Cash dividends to net income (ytd only)* | 35.1305% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1996% | 424 |
| Loan loss allowance to noncurrent loans | 99.6988% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.7031% | 292 |
| Noncurrent loans to loans | 2.2063% | 405 |
| Net loans and leases to total assets | 75.4961% | 637 |
| Net loans and leases to deposits | 100.6801% | 236 |
| Net loans and leases to core deposits | 103.5721% | 544 |
| Total domestic deposits to total assets | 74.9861% | 4,619 |
| Equity capital to assets | 12.0021% | 1,361 |
| Core capital (leverage) ratio | 12.0661% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6894% | 860 |
| Memoranda: | ||
| Average total assets | $228,280,000 | 2,890 |
| Average earning assets | $220,347,667 | 2,824 |
| Average equity | $27,294,000 | 2,719 |
| Average total loans | $176,308,667 | 2,463 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0073% | 350 |
| Cost of funding earning assets | 1.2206% | 51 |
| Net interest margin | 3.7867% | 1,168 |
| Noninterest income to average assets | 0.1544% | 4,429 |
| Noninterest expense to average assets | 1.0485% | 4,897 |
| Loan and lease loss provision to assets | 0.2164% | 544 |
| Net operating income to assets | 2.5442% | 247 |
| Return on assets (ROA) | 2.5442% | 269 |
| Pretax return on assets | 2.5442% | 402 |
| Return on Equity (ROE) | 21.3210% | 445 |
| Retained earnings to average equity (ytd only) | 21.3210% | 229 |
| Net charge-offs to loans | -0.0092% | 3,638 |
| Credit loss provision to net charge-offs | -3,050.0000% | 3,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.8747% | 4,932 |
| Assets per employee ($millions) | 10.7913% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2258% | 410 |
| Loan loss allowance to noncurrent loans | 86.8662% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.9756% | 258 |
| Noncurrent loans to loans | 2.5624% | 355 |
| Net loans and leases to total assets | 75.3832% | 689 |
| Net loans and leases to deposits | 101.2992% | 251 |
| Net loans and leases to core deposits | 104.3185% | 565 |
| Total domestic deposits to total assets | 74.4164% | 4,653 |
| Equity capital to assets | 12.1879% | 1,209 |
| Core capital (leverage) ratio | 12.2213% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1284% | 773 |
| Memoranda: | ||
| Average total assets | $225,457,000 | 2,894 |
| Average earning assets | $217,602,500 | 2,835 |
| Average equity | $26,903,000 | 2,737 |
| Average total loans | $174,174,500 | 2,484 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2528% | 301 |
| Cost of funding earning assets | 1.3665% | 143 |
| Net interest margin | 3.8863% | 1,253 |
| Noninterest income to average assets | 0.2054% | 4,241 |
| Noninterest expense to average assets | 1.2175% | 4,897 |
| Loan and lease loss provision to assets | 0.2344% | 1,662 |
| Net operating income to assets | 2.4950% | 135 |
| Return on assets (ROA) | 2.4950% | 140 |
| Pretax return on assets | 2.4950% | 188 |
| Return on Equity (ROE) | 21.1143% | 183 |
| Retained earnings to average equity (ytd only) | 14.0856% | 187 |
| Net charge-offs to loans | 0.1954% | 879 |
| Credit loss provision to net charge-offs | 147.3054% | 2,440 |
| Earnings coverage of net charge-offs (x) | 17.1497% | 2,091 |
| Efficiency ratio | 30.1823% | 4,958 |
| Assets per employee ($millions) | 10.6808% | 437 |
| Cash dividends to net income (ytd only)* | 33.2888% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1673% | 437 |
| Loan loss allowance to noncurrent loans | 65.5575% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 2.5591% | 174 |
| Noncurrent loans to loans | 3.3059% | 235 |
| Net loans and leases to total assets | 75.7325% | 818 |
| Net loans and leases to deposits | 101.2288% | 325 |
| Net loans and leases to core deposits | 103.9292% | 728 |
| Total domestic deposits to total assets | 74.8132% | 4,585 |
| Equity capital to assets | 11.6748% | 1,751 |
| Core capital (leverage) ratio | 11.7824% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3003% | 860 |
| Memoranda: | ||
| Average total assets | $209,862,600 | 2,860 |
| Average earning assets | $202,044,600 | 2,805 |
| Average equity | $24,798,400 | 2,821 |
| Average total loans | $170,973,600 | 2,479 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3402% | 321 |
| Cost of funding earning assets | 1.3865% | 176 |
| Net interest margin | 3.9537% | 1,227 |
| Noninterest income to average assets | 0.2140% | 4,203 |
| Noninterest expense to average assets | 1.2515% | 4,923 |
| Loan and lease loss provision to assets | 0.2385% | 1,701 |
| Net operating income to assets | 2.5269% | 137 |
| Return on assets (ROA) | 2.5269% | 145 |
| Pretax return on assets | 2.5269% | 201 |
| Return on Equity (ROE) | 21.3151% | 195 |
| Retained earnings to average equity (ytd only) | 17.3018% | 122 |
| Net charge-offs to loans | 0.2630% | 585 |
| Credit loss provision to net charge-offs | 109.8214% | 2,553 |
| Earnings coverage of net charge-offs (x) | 12.7321% | 2,234 |
| Efficiency ratio | 30.4796% | 4,989 |
| Assets per employee ($millions) | 9.4056% | 616 |
| Cash dividends to net income (ytd only)* | 18.8283% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0491% | 457 |
| Loan loss allowance to noncurrent loans | 72.3260% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 2.4578% | 225 |
| Noncurrent loans to loans | 2.8332% | 346 |
| Net loans and leases to total assets | 80.3873% | 576 |
| Net loans and leases to deposits | 108.7466% | 253 |
| Net loans and leases to core deposits | 111.6059% | 643 |
| Total domestic deposits to total assets | 73.9217% | 4,570 |
| Equity capital to assets | 11.9568% | 1,704 |
| Core capital (leverage) ratio | 12.0188% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8859% | 930 |
| Memoranda: | ||
| Average total assets | $206,254,250 | 2,871 |
| Average earning assets | $198,390,500 | 2,823 |
| Average equity | $24,451,500 | 2,836 |
| Average total loans | $170,310,000 | 2,480 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3771% | 419 |
| Cost of funding earning assets | 1.3971% | 231 |
| Net interest margin | 3.9800% | 1,374 |
| Noninterest income to average assets | 0.2336% | 4,083 |
| Noninterest expense to average assets | 1.2676% | 4,955 |
| Loan and lease loss provision to assets | 0.2425% | 1,736 |
| Net operating income to assets | 2.5511% | 131 |
| Return on assets (ROA) | 2.5511% | 141 |
| Pretax return on assets | 2.5511% | 197 |
| Return on Equity (ROE) | 21.5847% | 179 |
| Retained earnings to average equity (ytd only) | 15.4462% | 200 |
| Net charge-offs to loans | 0.2549% | 620 |
| Credit loss provision to net charge-offs | 114.9533% | 2,311 |
| Earnings coverage of net charge-offs (x) | 13.2430% | 2,004 |
| Efficiency ratio | 30.5340% | 5,014 |
| Assets per employee ($millions) | 9.5803% | 573 |
| Cash dividends to net income (ytd only)* | 28.4389% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0624% | 397 |
| Loan loss allowance to noncurrent loans | 82.9608% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 2.1303% | 319 |
| Noncurrent loans to loans | 2.4860% | 474 |
| Net loans and leases to total assets | 81.9440% | 423 |
| Net loans and leases to deposits | 110.9063% | 216 |
| Net loans and leases to core deposits | 113.5883% | 614 |
| Total domestic deposits to total assets | 73.8859% | 4,604 |
| Equity capital to assets | 11.6674% | 1,855 |
| Core capital (leverage) ratio | 11.7930% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1646% | 1,022 |
| Memoranda: | ||
| Average total assets | $202,896,000 | 2,881 |
| Average earning assets | $195,124,000 | 2,830 |
| Average equity | $23,980,000 | 2,856 |
| Average total loans | $167,900,333 | 2,488 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5408% | 341 |
| Cost of funding earning assets | 1.4150% | 368 |
| Net interest margin | 4.1258% | 1,085 |
| Noninterest income to average assets | 0.2493% | 4,056 |
| Noninterest expense to average assets | 1.3571% | 4,984 |
| Loan and lease loss provision to assets | 0.2473% | 1,257 |
| Net operating income to assets | 2.6136% | 98 |
| Return on assets (ROA) | 2.6136% | 99 |
| Pretax return on assets | 2.6136% | 138 |
| Return on Equity (ROE) | 21.9646% | 114 |
| Retained earnings to average equity (ytd only) | 21.9646% | 45 |
| Net charge-offs to loans | 0.2322% | 614 |
| Credit loss provision to net charge-offs | 129.4737% | 1,671 |
| Earnings coverage of net charge-offs (x) | 14.9789% | 1,581 |
| Efficiency ratio | 31.5062% | 5,059 |
| Assets per employee ($millions) | 8.7613% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1840% | 387 |
| Loan loss allowance to noncurrent loans | 94.8812% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.9672% | 434 |
| Noncurrent loans to loans | 2.3019% | 548 |
| Net loans and leases to total assets | 80.7463% | 601 |
| Net loans and leases to deposits | 110.7986% | 175 |
| Net loans and leases to core deposits | 113.8325% | 672 |
| Total domestic deposits to total assets | 72.8766% | 4,732 |
| Equity capital to assets | 12.0531% | 2,030 |
| Core capital (leverage) ratio | 12.1754% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8055% | 1,009 |
| Memoranda: | ||
| Average total assets | $198,960,500 | 2,882 |
| Average earning assets | $191,381,000 | 2,822 |
| Average equity | $23,674,500 | 2,874 |
| Average total loans | $163,676,500 | 2,502 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7306% | 379 |
| Cost of funding earning assets | 1.3596% | 635 |
| Net interest margin | 4.3710% | 947 |
| Noninterest income to average assets | 0.2270% | 4,306 |
| Noninterest expense to average assets | 1.3312% | 5,063 |
| Loan and lease loss provision to assets | 0.5167% | 246 |
| Net operating income to assets | 2.5800% | 122 |
| Return on assets (ROA) | 2.5800% | 128 |
| Pretax return on assets | 2.5800% | 180 |
| Return on Equity (ROE) | 22.2252% | 132 |
| Retained earnings to average equity (ytd only) | 13.3269% | 152 |
| Net charge-offs to loans | 0.4523% | 414 |
| Credit loss provision to net charge-offs | 135.7542% | 1,891 |
| Earnings coverage of net charge-offs (x) | 8.1355% | 2,805 |
| Efficiency ratio | 29.4033% | 5,135 |
| Assets per employee ($millions) | 8.9278% | 516 |
| Cash dividends to net income (ytd only)* | 40.0371% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2390% | 315 |
| Loan loss allowance to noncurrent loans | 102.0668% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.9026% | 433 |
| Noncurrent loans to loans | 2.1937% | 565 |
| Net loans and leases to total assets | 80.1397% | 762 |
| Net loans and leases to deposits | 106.3059% | 289 |
| Net loans and leases to core deposits | 108.9950% | 914 |
| Total domestic deposits to total assets | 75.3859% | 4,667 |
| Equity capital to assets | 11.7411% | 2,322 |
| Core capital (leverage) ratio | 11.6491% | 2,003 |
| Tier 1 risk-based capital ratio | 17.3482% | 1,940 |
| Total risk-based capital ratio | 18.6166% | 1,887 |
| Memoranda: | ||
| Average total assets | $188,104,400 | 2,934 |
| Average earning assets | $180,784,000 | 2,879 |
| Average equity | $21,835,600 | 2,976 |
| Average total loans | $158,294,200 | 2,531 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6908% | 419 |
| Cost of funding earning assets | 1.3345% | 711 |
| Net interest margin | 4.3563% | 1,043 |
| Noninterest income to average assets | 0.2229% | 4,399 |
| Noninterest expense to average assets | 1.3525% | 5,127 |
| Loan and lease loss provision to assets | 0.5225% | 228 |
| Net operating income to assets | 2.5336% | 154 |
| Return on assets (ROA) | 2.5336% | 162 |
| Pretax return on assets | 2.5336% | 235 |
| Return on Equity (ROE) | 21.8922% | 167 |
| Retained earnings to average equity (ytd only) | 16.5290% | 94 |
| Net charge-offs to loans | 0.5600% | 297 |
| Credit loss provision to net charge-offs | 110.1208% | 2,089 |
| Earnings coverage of net charge-offs (x) | 6.4411% | 2,837 |
| Efficiency ratio | 30.0114% | 5,212 |
| Assets per employee ($millions) | 8.4288% | 586 |
| Cash dividends to net income (ytd only)* | 24.4979% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1192% | 383 |
| Loan loss allowance to noncurrent loans | 71.3152% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 2.5766% | 254 |
| Noncurrent loans to loans | 2.9716% | 336 |
| Net loans and leases to total assets | 81.3847% | 649 |
| Net loans and leases to deposits | 108.4618% | 253 |
| Net loans and leases to core deposits | 111.0209% | 897 |
| Total domestic deposits to total assets | 75.0353% | 4,744 |
| Equity capital to assets | 11.7909% | 2,424 |
| Core capital (leverage) ratio | 11.7205% | 2,067 |
| Tier 1 risk-based capital ratio | 17.0841% | 2,055 |
| Total risk-based capital ratio | 18.3505% | 2,007 |
| Memoranda: | ||
| Average total assets | $186,027,500 | 2,983 |
| Average earning assets | $178,740,250 | 2,923 |
| Average equity | $21,529,250 | 3,021 |
| Average total loans | $157,615,500 | 2,562 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6496% | 437 |
| Cost of funding earning assets | 1.2850% | 776 |
| Net interest margin | 4.3646% | 1,009 |
| Noninterest income to average assets | 0.2181% | 4,440 |
| Noninterest expense to average assets | 1.3990% | 5,161 |
| Loan and lease loss provision to assets | 0.5299% | 215 |
| Net operating income to assets | 2.4818% | 158 |
| Return on assets (ROA) | 2.4818% | 162 |
| Pretax return on assets | 2.4818% | 246 |
| Return on Equity (ROE) | 21.5874% | 180 |
| Retained earnings to average equity (ytd only) | 13.3736% | 268 |
| Net charge-offs to loans | 0.6866% | 221 |
| Credit loss provision to net charge-offs | 90.5028% | 2,128 |
| Earnings coverage of net charge-offs (x) | 5.1434% | 2,688 |
| Efficiency ratio | 31.0260% | 5,252 |
| Assets per employee ($millions) | 8.2347% | 615 |
| Cash dividends to net income (ytd only)* | 38.0492% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0615% | 420 |
| Loan loss allowance to noncurrent loans | 71.2773% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 2.5143% | 295 |
| Noncurrent loans to loans | 2.8922% | 362 |
| Net loans and leases to total assets | 82.7274% | 513 |
| Net loans and leases to deposits | 110.1191% | 215 |
| Net loans and leases to core deposits | 113.0232% | 816 |
| Total domestic deposits to total assets | 75.1254% | 4,756 |
| Equity capital to assets | 11.4415% | 2,654 |
| Core capital (leverage) ratio | 11.4590% | 2,201 |
| Tier 1 risk-based capital ratio | 16.2542% | 2,311 |
| Total risk-based capital ratio | 17.5197% | 2,254 |
| Memoranda: | ||
| Average total assets | $183,416,000 | 3,019 |
| Average earning assets | $176,190,330 | 2,955 |
| Average equity | $21,086,330 | 3,053 |
| Average total loans | $156,424,000 | 2,589 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4915% | 529 |
| Cost of funding earning assets | 1.2268% | 832 |
| Net interest margin | 4.2648% | 1,162 |
| Noninterest income to average assets | 0.2283% | 4,372 |
| Noninterest expense to average assets | 1.4122% | 5,217 |
| Loan and lease loss provision to assets | 0.5387% | 193 |
| Net operating income to assets | 2.3700% | 204 |
| Return on assets (ROA) | 2.3700% | 216 |
| Pretax return on assets | 2.3700% | 315 |
| Return on Equity (ROE) | 20.5631% | 235 |
| Retained earnings to average equity (ytd only) | 20.5631% | 94 |
| Net charge-offs to loans | 1.3166% | 96 |
| Credit loss provision to net charge-offs | 47.7407% | 1,992 |
| Earnings coverage of net charge-offs (x) | 2.5776% | 2,480 |
| Efficiency ratio | 31.9651% | 5,305 |
| Assets per employee ($millions) | 7.9855% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9868% | 513 |
| Loan loss allowance to noncurrent loans | 92.5270% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.8877% | 544 |
| Noncurrent loans to loans | 2.1472% | 671 |
| Net loans and leases to total assets | 82.8102% | 492 |
| Net loans and leases to deposits | 111.0223% | 193 |
| Net loans and leases to core deposits | 114.0604% | 739 |
| Total domestic deposits to total assets | 74.5888% | 4,885 |
| Equity capital to assets | 11.6129% | 2,302 |
| Core capital (leverage) ratio | 11.9017% | 1,826 |
| Tier 1 risk-based capital ratio | 16.4454% | 2,290 |
| Total risk-based capital ratio | 17.7091% | 2,228 |
| Memoranda: | ||
| Average total assets | $180,425,000 | 3,082 |
| Average earning assets | $173,139,500 | 3,023 |
| Average equity | $20,794,500 | 3,083 |
| Average total loans | $154,645,000 | 2,642 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5540% | 357 |
| Cost of funding earning assets | 1.1920% | 356 |
| Net interest margin | 4.3620% | 1,017 |
| Noninterest income to average assets | 0.2291% | 4,542 |
| Noninterest expense to average assets | 1.3999% | 5,263 |
| Loan and lease loss provision to assets | 0.5491% | 203 |
| Net operating income to assets | 2.4690% | 159 |
| Return on assets (ROA) | 2.4901% | 151 |
| Pretax return on assets | 2.4901% | 211 |
| Return on Equity (ROE) | 22.8962% | 131 |
| Retained earnings to average equity (ytd only) | 13.6196% | 189 |
| Net charge-offs to loans | 0.1354% | 1,399 |
| Credit loss provision to net charge-offs | 466.6667% | 735 |
| Earnings coverage of net charge-offs (x) | 25.6522% | 1,762 |
| Efficiency ratio | 30.9790% | 5,362 |
| Assets per employee ($millions) | 7.7036% | 737 |
| Cash dividends to net income (ytd only)* | 40.5159% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1731% | 349 |
| Loan loss allowance to noncurrent loans | 131.0763% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.5182% | 772 |
| Noncurrent loans to loans | 1.6579% | 879 |
| Net loans and leases to total assets | 85.0889% | 305 |
| Net loans and leases to deposits | 110.3125% | 246 |
| Net loans and leases to core deposits | 113.3318% | 810 |
| Total domestic deposits to total assets | 77.1344% | 4,613 |
| Equity capital to assets | 11.4345% | 2,306 |
| Core capital (leverage) ratio | 11.1235% | 2,421 |
| Tier 1 risk-based capital ratio | 15.9789% | 2,412 |
| Total risk-based capital ratio | 17.2462% | 2,349 |
| Memoranda: | ||
| Average total assets | $175,938,200 | 3,103 |
| Average earning assets | $168,958,800 | 3,038 |
| Average equity | $19,134,200 | 3,169 |
| Average total loans | $152,866,000 | 2,614 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4556% | 398 |
| Cost of funding earning assets | 1.1691% | 299 |
| Net interest margin | 4.2866% | 1,143 |
| Noninterest income to average assets | 0.2270% | 4,612 |
| Noninterest expense to average assets | 1.3938% | 5,326 |
| Loan and lease loss provision to assets | 0.5504% | 194 |
| Net operating income to assets | 2.3997% | 184 |
| Return on assets (ROA) | 2.4278% | 176 |
| Pretax return on assets | 2.4278% | 263 |
| Return on Equity (ROE) | 22.6168% | 147 |
| Retained earnings to average equity (ytd only) | 16.5701% | 119 |
| Net charge-offs to loans | 0.1285% | 1,237 |
| Credit loss provision to net charge-offs | 493.1973% | 719 |
| Earnings coverage of net charge-offs (x) | 26.4347% | 1,745 |
| Efficiency ratio | 31.3527% | 5,426 |
| Assets per employee ($millions) | 8.0793% | 631 |
| Cash dividends to net income (ytd only)* | 26.7354% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 466 |
| Loan loss allowance to noncurrent loans | 179.4901% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 1,342 |
| Noncurrent loans to loans | 1.1263% | 1,509 |
| Net loans and leases to total assets | 86.3798% | 228 |
| Net loans and leases to deposits | 111.8611% | 239 |
| Net loans and leases to core deposits | 114.6879% | 782 |
| Total domestic deposits to total assets | 77.2206% | 4,610 |
| Equity capital to assets | 11.2505% | 2,427 |
| Core capital (leverage) ratio | 11.1000% | 2,487 |
| Tier 1 risk-based capital ratio | 15.3670% | 2,712 |
| Total risk-based capital ratio | 16.6317% | 2,631 |
| Memoranda: | ||
| Average total assets | $175,627,000 | 3,124 |
| Average earning assets | $168,678,250 | 3,060 |
| Average equity | $18,852,750 | 3,216 |
| Average total loans | $152,554,500 | 2,625 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3837% | 402 |
| Cost of funding earning assets | 1.1308% | 255 |
| Net interest margin | 4.2529% | 1,156 |
| Noninterest income to average assets | 0.2184% | 4,711 |
| Noninterest expense to average assets | 1.3663% | 5,409 |
| Loan and lease loss provision to assets | 0.5522% | 195 |
| Net operating income to assets | 2.3851% | 179 |
| Return on assets (ROA) | 2.4274% | 167 |
| Pretax return on assets | 2.4274% | 256 |
| Return on Equity (ROE) | 22.9870% | 129 |
| Retained earnings to average equity (ytd only) | 13.7294% | 303 |
| Net charge-offs to loans | 0.1098% | 1,275 |
| Credit loss provision to net charge-offs | 581.9277% | 641 |
| Earnings coverage of net charge-offs (x) | 30.9518% | 1,473 |
| Efficiency ratio | 31.0308% | 5,491 |
| Assets per employee ($millions) | 7.7860% | 679 |
| Cash dividends to net income (ytd only)* | 40.2732% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9372% | 586 |
| Loan loss allowance to noncurrent loans | 218.2482% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8404% | 1,778 |
| Noncurrent loans to loans | 0.8876% | 1,946 |
| Net loans and leases to total assets | 84.5201% | 405 |
| Net loans and leases to deposits | 108.3072% | 341 |
| Net loans and leases to core deposits | 111.8926% | 892 |
| Total domestic deposits to total assets | 78.0374% | 4,585 |
| Equity capital to assets | 10.5664% | 3,056 |
| Core capital (leverage) ratio | 10.4501% | 3,081 |
| Tier 1 risk-based capital ratio | 14.5546% | 3,093 |
| Total risk-based capital ratio | 15.8179% | 3,004 |
| Memoranda: | ||
| Average total assets | $174,921,330 | 3,152 |
| Average earning assets | $168,024,670 | 3,091 |
| Average equity | $18,471,330 | 3,279 |
| Average total loans | $151,171,670 | 2,654 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3421% | 373 |
| Cost of funding earning assets | 1.0583% | 280 |
| Net interest margin | 4.2838% | 975 |
| Noninterest income to average assets | 0.2152% | 4,723 |
| Noninterest expense to average assets | 1.3608% | 5,468 |
| Loan and lease loss provision to assets | 0.5577% | 187 |
| Net operating income to assets | 2.4091% | 170 |
| Return on assets (ROA) | 2.4299% | 166 |
| Pretax return on assets | 2.4299% | 251 |
| Return on Equity (ROE) | 23.0187% | 128 |
| Retained earnings to average equity (ytd only) | 23.0187% | 64 |
| Net charge-offs to loans | 0.1631% | 870 |
| Credit loss provision to net charge-offs | 395.0820% | 700 |
| Earnings coverage of net charge-offs (x) | 21.0164% | 1,443 |
| Efficiency ratio | 30.6952% | 5,557 |
| Assets per employee ($millions) | 7.6552% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8249% | 745 |
| Loan loss allowance to noncurrent loans | 209.8485% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 1,767 |
| Noncurrent loans to loans | 0.8696% | 2,080 |
| Net loans and leases to total assets | 84.6374% | 372 |
| Net loans and leases to deposits | 108.7649% | 300 |
| Net loans and leases to core deposits | 112.4483% | 868 |
| Total domestic deposits to total assets | 77.8168% | 4,751 |
| Equity capital to assets | 10.6497% | 2,926 |
| Core capital (leverage) ratio | 10.8412% | 2,591 |
| Tier 1 risk-based capital ratio | 14.5255% | 3,106 |
| Total risk-based capital ratio | 15.7871% | 3,006 |
| Memoranda: | ||
| Average total assets | $172,843,500 | 3,211 |
| Average earning assets | $165,926,500 | 3,139 |
| Average equity | $18,246,000 | 3,333 |
| Average total loans | $149,584,500 | 2,693 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1463% | 489 |
| Cost of funding earning assets | 1.0180% | 193 |
| Net interest margin | 4.1283% | 1,351 |
| Noninterest income to average assets | 0.2573% | 4,598 |
| Noninterest expense to average assets | 1.4659% | 5,491 |
| Loan and lease loss provision to assets | 0.4511% | 304 |
| Net operating income to assets | 2.2943% | 162 |
| Return on assets (ROA) | 2.2943% | 162 |
| Pretax return on assets | 2.2943% | 267 |
| Return on Equity (ROE) | 21.9222% | 127 |
| Retained earnings to average equity (ytd only) | 12.8909% | 136 |
| Net charge-offs to loans | 0.0247% | 3,314 |
| Credit loss provision to net charge-offs | 2,135.2941% | 182 |
| Earnings coverage of net charge-offs (x) | 129.9412% | 524 |
| Efficiency ratio | 33.9973% | 5,606 |
| Assets per employee ($millions) | 7.3747% | 822 |
| Cash dividends to net income (ytd only)* | 41.1972% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 845 |
| Loan loss allowance to noncurrent loans | 158.1197% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 1,444 |
| Noncurrent loans to loans | 1.1114% | 1,590 |
| Net loans and leases to total assets | 85.3617% | 305 |
| Net loans and leases to deposits | 105.9538% | 402 |
| Net loans and leases to core deposits | 109.9603% | 1,007 |
| Total domestic deposits to total assets | 80.5650% | 4,227 |
| Equity capital to assets | 10.4594% | 3,205 |
| Core capital (leverage) ratio | 10.4370% | 2,917 |
| Tier 1 risk-based capital ratio | 14.0651% | 3,326 |
| Total risk-based capital ratio | 15.3256% | 3,220 |
| Memoranda: | ||
| Average total assets | $160,922,600 | 3,335 |
| Average earning assets | $154,129,800 | 3,271 |
| Average equity | $16,841,400 | 3,498 |
| Average total loans | $137,853,800 | 2,813 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0776% | 526 |
| Cost of funding earning assets | 1.0099% | 185 |
| Net interest margin | 4.0677% | 1,488 |
| Noninterest income to average assets | 0.2486% | 4,721 |
| Noninterest expense to average assets | 1.4891% | 5,524 |
| Loan and lease loss provision to assets | 0.4073% | 328 |
| Net operating income to assets | 2.2458% | 195 |
| Return on assets (ROA) | 2.2458% | 195 |
| Pretax return on assets | 2.2458% | 324 |
| Return on Equity (ROE) | 21.4560% | 157 |
| Retained earnings to average equity (ytd only) | 16.0720% | 90 |
| Net charge-offs to loans | -0.0226% | 4,889 |
| Credit loss provision to net charge-offs | -2,108.6957% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0973% | 5,651 |
| Assets per employee ($millions) | 6.8382% | 1,012 |
| Cash dividends to net income (ytd only)* | 25.0934% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 1,092 |
| Loan loss allowance to noncurrent loans | 144.5045% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.1114% | 1,493 |
| Noncurrent loans to loans | 1.1561% | 1,663 |
| Net loans and leases to total assets | 86.2909% | 238 |
| Net loans and leases to deposits | 108.0674% | 335 |
| Net loans and leases to core deposits | 112.3248% | 912 |
| Total domestic deposits to total assets | 79.8491% | 4,347 |
| Equity capital to assets | 10.7369% | 3,130 |
| Core capital (leverage) ratio | 10.6760% | 2,793 |
| Tier 1 risk-based capital ratio | 14.3600% | 3,261 |
| Total risk-based capital ratio | 15.6194% | 3,169 |
| Memoranda: | ||
| Average total assets | $158,749,000 | 3,391 |
| Average earning assets | $151,959,250 | 3,328 |
| Average equity | $16,616,500 | 3,557 |
| Average total loans | $135,472,750 | 2,860 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0414% | 528 |
| Cost of funding earning assets | 0.9976% | 178 |
| Net interest margin | 4.0437% | 1,478 |
| Noninterest income to average assets | 0.2446% | 4,778 |
| Noninterest expense to average assets | 1.5074% | 5,558 |
| Loan and lease loss provision to assets | 0.3096% | 482 |
| Net operating income to assets | 2.2961% | 181 |
| Return on assets (ROA) | 2.2961% | 178 |
| Pretax return on assets | 2.2961% | 301 |
| Return on Equity (ROE) | 22.1353% | 132 |
| Retained earnings to average equity (ytd only) | 13.8929% | 186 |
| Net charge-offs to loans | 0.0136% | 2,982 |
| Credit loss provision to net charge-offs | 2,700.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 227.2222% | 370 |
| Efficiency ratio | 35.8116% | 5,697 |
| Assets per employee ($millions) | 7.0267% | 919 |
| Cash dividends to net income (ytd only)* | 37.2364% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,362 |
| Loan loss allowance to noncurrent loans | 153.6023% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 1,616 |
| Noncurrent loans to loans | 1.0154% | 1,935 |
| Net loans and leases to total assets | 83.2662% | 515 |
| Net loans and leases to deposits | 103.9207% | 500 |
| Net loans and leases to core deposits | 108.5698% | 1,077 |
| Total domestic deposits to total assets | 80.1247% | 4,382 |
| Equity capital to assets | 10.3766% | 3,480 |
| Core capital (leverage) ratio | 10.2189% | 3,247 |
| Tier 1 risk-based capital ratio | 14.3999% | 3,220 |
| Total risk-based capital ratio | 15.6580% | 3,142 |
| Memoranda: | ||
| Average total assets | $156,959,670 | 3,430 |
| Average earning assets | $150,157,670 | 3,367 |
| Average equity | $16,281,670 | 3,605 |
| Average total loans | $132,622,330 | 2,896 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0300% | 498 |
| Cost of funding earning assets | 0.9741% | 185 |
| Net interest margin | 4.0559% | 1,332 |
| Noninterest income to average assets | 0.2483% | 4,760 |
| Noninterest expense to average assets | 1.5650% | 5,591 |
| Loan and lease loss provision to assets | 0.3130% | 407 |
| Net operating income to assets | 2.2479% | 209 |
| Return on assets (ROA) | 2.2479% | 213 |
| Pretax return on assets | 2.2479% | 326 |
| Return on Equity (ROE) | 21.6742% | 159 |
| Retained earnings to average equity (ytd only) | 21.6742% | 81 |
| Net charge-offs to loans | 0.0490% | 1,873 |
| Credit loss provision to net charge-offs | 756.2500% | 415 |
| Earnings coverage of net charge-offs (x) | 61.8750% | 789 |
| Efficiency ratio | 37.0533% | 5,740 |
| Assets per employee ($millions) | 7.2463% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 1,652 |
| Loan loss allowance to noncurrent loans | 157.4686% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.0344% | 1,754 |
| Noncurrent loans to loans | 0.9605% | 2,120 |
| Net loans and leases to total assets | 81.8127% | 588 |
| Net loans and leases to deposits | 102.1635% | 490 |
| Net loans and leases to core deposits | 106.1358% | 1,088 |
| Total domestic deposits to total assets | 80.0802% | 4,601 |
| Equity capital to assets | 10.3382% | 3,364 |
| Core capital (leverage) ratio | 10.2962% | 3,115 |
| Tier 1 risk-based capital ratio | 14.5186% | 3,187 |
| Total risk-based capital ratio | 15.7750% | 3,118 |
| Memoranda: | ||
| Average total assets | $154,633,000 | 3,498 |
| Average earning assets | $147,834,000 | 3,426 |
| Average equity | $16,037,500 | 3,660 |
| Average total loans | $130,583,000 | 2,947 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0865% | 512 |
| Cost of funding earning assets | 0.9444% | 234 |
| Net interest margin | 4.1420% | 1,268 |
| Noninterest income to average assets | 0.2771% | 4,761 |
| Noninterest expense to average assets | 1.6521% | 5,603 |
| Loan and lease loss provision to assets | 0.3436% | 500 |
| Net operating income to assets | 2.2191% | 220 |
| Return on assets (ROA) | 2.2382% | 223 |
| Pretax return on assets | 2.2382% | 302 |
| Return on Equity (ROE) | 21.3578% | 166 |
| Retained earnings to average equity (ytd only) | 13.1817% | 157 |
| Net charge-offs to loans | 0.1852% | 1,495 |
| Credit loss provision to net charge-offs | 216.9643% | 1,315 |
| Earnings coverage of net charge-offs (x) | 16.1830% | 2,135 |
| Efficiency ratio | 38.2757% | 5,809 |
| Assets per employee ($millions) | 6.8112% | 1,002 |
| Cash dividends to net income (ytd only)* | 38.2817% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 1,783 |
| Loan loss allowance to noncurrent loans | 149.9210% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.0965% | 1,705 |
| Noncurrent loans to loans | 0.9834% | 2,128 |
| Net loans and leases to total assets | 84.6463% | 327 |
| Net loans and leases to deposits | 102.2524% | 519 |
| Net loans and leases to core deposits | 106.1183% | 1,124 |
| Total domestic deposits to total assets | 82.7818% | 3,832 |
| Equity capital to assets | 10.4066% | 3,261 |
| Core capital (leverage) ratio | 10.2538% | 3,169 |
| Tier 1 risk-based capital ratio | 14.2721% | 3,301 |
| Total risk-based capital ratio | 15.5288% | 3,228 |
| Memoranda: | ||
| Average total assets | $141,452,200 | 3,648 |
| Average earning assets | $134,474,600 | 3,581 |
| Average equity | $14,823,600 | 3,832 |
| Average total loans | $120,958,200 | 3,057 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0802% | 519 |
| Cost of funding earning assets | 0.9435% | 229 |
| Net interest margin | 4.1367% | 1,285 |
| Noninterest income to average assets | 0.2870% | 4,718 |
| Noninterest expense to average assets | 1.6820% | 5,620 |
| Loan and lease loss provision to assets | 0.3492% | 457 |
| Net operating income to assets | 2.1824% | 254 |
| Return on assets (ROA) | 2.2082% | 254 |
| Pretax return on assets | 2.2082% | 381 |
| Return on Equity (ROE) | 21.0325% | 193 |
| Retained earnings to average equity (ytd only) | 15.8563% | 111 |
| Net charge-offs to loans | 0.0818% | 2,152 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 36.2469% | 1,313 |
| Efficiency ratio | 38.9873% | 5,848 |
| Assets per employee ($millions) | 6.1701% | 1,317 |
| Cash dividends to net income (ytd only)* | 24.6099% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 1,696 |
| Loan loss allowance to noncurrent loans | 132.1453% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.3029% | 1,474 |
| Noncurrent loans to loans | 1.1495% | 1,956 |
| Net loans and leases to total assets | 88.0772% | 131 |
| Net loans and leases to deposits | 107.7675% | 313 |
| Net loans and leases to core deposits | 112.1275% | 805 |
| Total domestic deposits to total assets | 81.7289% | 4,030 |
| Equity capital to assets | 10.9180% | 3,102 |
| Core capital (leverage) ratio | 10.6342% | 2,844 |
| Tier 1 risk-based capital ratio | 14.1365% | 3,488 |
| Total risk-based capital ratio | 15.3930% | 3,411 |
| Memoranda: | ||
| Average total assets | $139,353,500 | 3,706 |
| Average earning assets | $132,275,500 | 3,631 |
| Average equity | $14,631,000 | 3,894 |
| Average total loans | $119,013,250 | 3,090 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 572 |
| Cost of funding earning assets | 0.9390% | 236 |
| Net interest margin | 4.0802% | 1,416 |
| Noninterest income to average assets | 0.2845% | 4,751 |
| Noninterest expense to average assets | 1.6736% | 5,710 |
| Loan and lease loss provision to assets | 0.3509% | 469 |
| Net operating income to assets | 2.1314% | 255 |
| Return on assets (ROA) | 2.1314% | 271 |
| Pretax return on assets | 2.1314% | 438 |
| Return on Equity (ROE) | 20.5810% | 214 |
| Retained earnings to average equity (ytd only) | 12.6609% | 254 |
| Net charge-offs to loans | 0.1083% | 1,743 |
| Credit loss provision to net charge-offs | 385.7143% | 795 |
| Earnings coverage of net charge-offs (x) | 27.2857% | 1,462 |
| Efficiency ratio | 39.2981% | 5,921 |
| Assets per employee ($millions) | 6.4153% | 1,125 |
| Cash dividends to net income (ytd only)* | 38.4824% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 1,880 |
| Loan loss allowance to noncurrent loans | 141.2131% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 1.2244% | 1,680 |
| Noncurrent loans to loans | 1.0586% | 2,172 |
| Net loans and leases to total assets | 84.7906% | 357 |
| Net loans and leases to deposits | 103.1247% | 503 |
| Net loans and leases to core deposits | 106.9896% | 1,105 |
| Total domestic deposits to total assets | 82.2214% | 3,931 |
| Equity capital to assets | 10.4460% | 3,699 |
| Core capital (leverage) ratio | 9.9616% | 3,607 |
| Tier 1 risk-based capital ratio | 13.6323% | 3,815 |
| Total risk-based capital ratio | 14.8880% | 3,729 |
| Memoranda: | ||
| Average total assets | $138,500,330 | 3,743 |
| Average earning assets | $131,416,000 | 3,667 |
| Average equity | $14,343,330 | 3,949 |
| Average total loans | $116,377,330 | 3,135 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 612 |
| Cost of funding earning assets | 0.9231% | 261 |
| Net interest margin | 4.0524% | 1,471 |
| Noninterest income to average assets | 0.2887% | 4,661 |
| Noninterest expense to average assets | 1.6912% | 5,756 |
| Loan and lease loss provision to assets | 0.3528% | 423 |
| Net operating income to assets | 2.0848% | 292 |
| Return on assets (ROA) | 2.0848% | 303 |
| Pretax return on assets | 2.0848% | 482 |
| Return on Equity (ROE) | 20.2213% | 232 |
| Retained earnings to average equity (ytd only) | 20.2213% | 89 |
| Net charge-offs to loans | 0.1406% | 1,269 |
| Credit loss provision to net charge-offs | 302.5000% | 840 |
| Earnings coverage of net charge-offs (x) | 20.9000% | 1,450 |
| Efficiency ratio | 39.9718% | 5,962 |
| Assets per employee ($millions) | 6.5225% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 2,093 |
| Loan loss allowance to noncurrent loans | 181.6931% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.9450% | 2,342 |
| Noncurrent loans to loans | 0.8116% | 2,809 |
| Net loans and leases to total assets | 79.9493% | 817 |
| Net loans and leases to deposits | 96.6830% | 874 |
| Net loans and leases to core deposits | 101.7273% | 1,358 |
| Total domestic deposits to total assets | 82.6922% | 4,008 |
| Equity capital to assets | 10.1181% | 3,924 |
| Core capital (leverage) ratio | 10.3797% | 3,096 |
| Tier 1 risk-based capital ratio | 14.0911% | 3,626 |
| Total risk-based capital ratio | 15.3464% | 3,555 |
| Memoranda: | ||
| Average total assets | $137,182,500 | 3,794 |
| Average earning assets | $129,996,000 | 3,714 |
| Average equity | $14,143,500 | 3,991 |
| Average total loans | $113,823,000 | 3,186 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9754% | 662 |
| Cost of funding earning assets | 0.9309% | 246 |
| Net interest margin | 4.0445% | 1,576 |
| Noninterest income to average assets | 0.3418% | 4,466 |
| Noninterest expense to average assets | 1.7933% | 5,749 |
| Loan and lease loss provision to assets | 0.3758% | 377 |
| Net operating income to assets | 2.0028% | 343 |
| Return on assets (ROA) | 2.0268% | 339 |
| Pretax return on assets | 2.0268% | 511 |
| Return on Equity (ROE) | 20.0398% | 252 |
| Retained earnings to average equity (ytd only) | 12.1798% | 241 |
| Net charge-offs to loans | 0.1259% | 2,120 |
| Credit loss provision to net charge-offs | 362.6866% | 819 |
| Earnings coverage of net charge-offs (x) | 22.9552% | 1,749 |
| Efficiency ratio | 41.7238% | 6,032 |
| Assets per employee ($millions) | 5.9486% | 1,420 |
| Cash dividends to net income (ytd only)* | 39.2217% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 2,127 |
| Loan loss allowance to noncurrent loans | 155.9581% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0369% | 2,117 |
| Noncurrent loans to loans | 0.9433% | 2,444 |
| Net loans and leases to total assets | 83.7242% | 415 |
| Net loans and leases to deposits | 97.9213% | 824 |
| Net loans and leases to core deposits | 103.3475% | 1,271 |
| Total domestic deposits to total assets | 85.5015% | 2,859 |
| Equity capital to assets | 10.5204% | 3,337 |
| Core capital (leverage) ratio | 10.0680% | 3,413 |
| Tier 1 risk-based capital ratio | 13.9990% | 3,717 |
| Total risk-based capital ratio | 15.2545% | 3,640 |
| Memoranda: | ||
| Average total assets | $129,318,200 | 3,899 |
| Average earning assets | $122,462,000 | 3,832 |
| Average equity | $13,079,000 | 4,128 |
| Average total loans | $106,470,600 | 3,271 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9538% | 683 |
| Cost of funding earning assets | 0.9277% | 249 |
| Net interest margin | 4.0261% | 1,617 |
| Noninterest income to average assets | 0.3423% | 4,491 |
| Noninterest expense to average assets | 1.7756% | 5,812 |
| Loan and lease loss provision to assets | 0.3764% | 340 |
| Net operating income to assets | 2.0052% | 363 |
| Return on assets (ROA) | 2.0372% | 357 |
| Pretax return on assets | 2.0372% | 561 |
| Return on Equity (ROE) | 20.3506% | 256 |
| Retained earnings to average equity (ytd only) | 15.0408% | 165 |
| Net charge-offs to loans | 0.1684% | 1,474 |
| Credit loss provision to net charge-offs | 273.6842% | 1,059 |
| Earnings coverage of net charge-offs (x) | 17.3157% | 2,061 |
| Efficiency ratio | 41.4179% | 6,102 |
| Assets per employee ($millions) | 6.0169% | 1,360 |
| Cash dividends to net income (ytd only)* | 26.0915% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 2,475 |
| Loan loss allowance to noncurrent loans | 152.5680% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.9436% | 2,503 |
| Noncurrent loans to loans | 0.9344% | 2,640 |
| Net loans and leases to total assets | 79.1376% | 937 |
| Net loans and leases to deposits | 92.4614% | 1,359 |
| Net loans and leases to core deposits | 97.5109% | 1,746 |
| Total domestic deposits to total assets | 85.5899% | 2,740 |
| Equity capital to assets | 10.2786% | 3,844 |
| Core capital (leverage) ratio | 10.0086% | 3,615 |
| Tier 1 risk-based capital ratio | 14.4162% | 3,619 |
| Total risk-based capital ratio | 15.6709% | 3,531 |
| Memoranda: | ||
| Average total assets | $128,930,500 | 3,948 |
| Average earning assets | $122,166,250 | 3,878 |
| Average equity | $12,906,750 | 4,200 |
| Average total loans | $105,287,000 | 3,318 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9662% | 631 |
| Cost of funding earning assets | 0.9183% | 261 |
| Net interest margin | 4.0480% | 1,502 |
| Noninterest income to average assets | 0.3240% | 4,630 |
| Noninterest expense to average assets | 1.7952% | 5,853 |
| Loan and lease loss provision to assets | 0.3803% | 330 |
| Net operating income to assets | 1.9846% | 372 |
| Return on assets (ROA) | 2.0331% | 364 |
| Pretax return on assets | 2.0331% | 563 |
| Return on Equity (ROE) | 20.4992% | 247 |
| Retained earnings to average equity (ytd only) | 12.3879% | 362 |
| Net charge-offs to loans | 0.1753% | 1,408 |
| Credit loss provision to net charge-offs | 264.1304% | 1,008 |
| Earnings coverage of net charge-offs (x) | 16.4239% | 1,911 |
| Efficiency ratio | 41.8360% | 6,172 |
| Assets per employee ($millions) | 6.0028% | 1,351 |
| Cash dividends to net income (ytd only)* | 39.5689% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 3,196 |
| Loan loss allowance to noncurrent loans | 112.0219% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.1638% | 2,180 |
| Noncurrent loans to loans | 1.1688% | 2,313 |
| Net loans and leases to total assets | 81.9062% | 562 |
| Net loans and leases to deposits | 95.0551% | 1,043 |
| Net loans and leases to core deposits | 100.7263% | 1,426 |
| Total domestic deposits to total assets | 86.1671% | 2,597 |
| Equity capital to assets | 9.7825% | 4,294 |
| Core capital (leverage) ratio | 9.5391% | 4,229 |
| Tier 1 risk-based capital ratio | 13.1138% | 4,451 |
| Total risk-based capital ratio | 14.3673% | 4,364 |
| Memoranda: | ||
| Average total assets | $127,783,330 | 3,999 |
| Average earning assets | $121,098,000 | 3,927 |
| Average equity | $12,673,670 | 4,266 |
| Average total loans | $104,959,000 | 3,346 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 585 |
| Cost of funding earning assets | 0.8909% | 302 |
| Net interest margin | 4.0914% | 1,297 |
| Noninterest income to average assets | 0.3406% | 4,471 |
| Noninterest expense to average assets | 1.8242% | 5,867 |
| Loan and lease loss provision to assets | 0.3852% | 314 |
| Net operating income to assets | 2.0057% | 335 |
| Return on assets (ROA) | 2.1044% | 296 |
| Pretax return on assets | 2.1044% | 478 |
| Return on Equity (ROE) | 21.0661% | 227 |
| Retained earnings to average equity (ytd only) | 21.0661% | 86 |
| Net charge-offs to loans | 0.1715% | 1,247 |
| Credit loss provision to net charge-offs | 275.0000% | 867 |
| Earnings coverage of net charge-offs (x) | 17.0682% | 1,541 |
| Efficiency ratio | 41.9940% | 6,233 |
| Assets per employee ($millions) | 5.8747% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 3,484 |
| Loan loss allowance to noncurrent loans | 84.9563% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4376% | 1,840 |
| Noncurrent loans to loans | 1.5137% | 1,863 |
| Net loans and leases to total assets | 80.8353% | 588 |
| Net loans and leases to deposits | 94.0800% | 970 |
| Net loans and leases to core deposits | 99.4498% | 1,361 |
| Total domestic deposits to total assets | 85.9219% | 2,983 |
| Equity capital to assets | 9.9657% | 4,187 |
| Core capital (leverage) ratio | 9.9423% | 3,674 |
| Tier 1 risk-based capital ratio | 13.2977% | 4,433 |
| Total risk-based capital ratio | 14.5501% | 4,348 |
| Memoranda: | ||
| Average total assets | $125,644,000 | 4,072 |
| Average earning assets | $118,981,000 | 3,996 |
| Average equity | $12,551,000 | 4,314 |
| Average total loans | $102,637,500 | 3,403 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8163% | 1,085 |
| Cost of funding earning assets | 0.8926% | 405 |
| Net interest margin | 3.9237% | 2,145 |
| Noninterest income to average assets | 0.3971% | 4,203 |
| Noninterest expense to average assets | 1.8413% | 6,015 |
| Loan and lease loss provision to assets | 0.3796% | 489 |
| Net operating income to assets | 1.8829% | 404 |
| Return on assets (ROA) | 1.8438% | 451 |
| Pretax return on assets | 1.8438% | 722 |
| Return on Equity (ROE) | 19.2921% | 297 |
| Retained earnings to average equity (ytd only) | 12.1762% | 283 |
| Net charge-offs to loans | 0.3606% | 1,207 |
| Credit loss provision to net charge-offs | 136.9369% | 1,723 |
| Earnings coverage of net charge-offs (x) | 8.1622% | 2,917 |
| Efficiency ratio | 43.2657% | 6,340 |
| Assets per employee ($millions) | 5.3063% | 1,950 |
| Cash dividends to net income (ytd only)* | 36.8849% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 3,474 |
| Loan loss allowance to noncurrent loans | 145.9091% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 2,889 |
| Noncurrent loans to loans | 0.8850% | 3,105 |
| Net loans and leases to total assets | 80.4261% | 683 |
| Net loans and leases to deposits | 89.5347% | 1,561 |
| Net loans and leases to core deposits | 94.4762% | 1,870 |
| Total domestic deposits to total assets | 89.8267% | 811 |
| Equity capital to assets | 10.0143% | 4,097 |
| Core capital (leverage) ratio | 9.3549% | 4,459 |
| Tier 1 risk-based capital ratio | 13.3559% | 4,503 |
| Total risk-based capital ratio | 14.6090% | 4,432 |
| Memoranda: | ||
| Average total assets | $120,130,800 | 4,174 |
| Average earning assets | $113,490,000 | 4,101 |
| Average equity | $11,481,400 | 4,461 |
| Average total loans | $92,335,000 | 3,579 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 1,178 |
| Cost of funding earning assets | 0.8905% | 433 |
| Net interest margin | 3.8686% | 2,357 |
| Noninterest income to average assets | 0.3967% | 4,272 |
| Noninterest expense to average assets | 1.8074% | 6,077 |
| Loan and lease loss provision to assets | 0.3399% | 530 |
| Net operating income to assets | 1.9044% | 417 |
| Return on assets (ROA) | 1.8509% | 478 |
| Pretax return on assets | 1.8509% | 802 |
| Return on Equity (ROE) | 19.6048% | 305 |
| Retained earnings to average equity (ytd only) | 15.8397% | 173 |
| Net charge-offs to loans | 0.4343% | 911 |
| Credit loss provision to net charge-offs | 103.3898% | 2,136 |
| Earnings coverage of net charge-offs (x) | 6.8272% | 3,018 |
| Efficiency ratio | 42.9868% | 6,392 |
| Assets per employee ($millions) | 5.7139% | 1,550 |
| Cash dividends to net income (ytd only)* | 19.2052% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 4,158 |
| Loan loss allowance to noncurrent loans | 200.8576% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 3,676 |
| Noncurrent loans to loans | 0.6039% | 4,120 |
| Net loans and leases to total assets | 79.4728% | 774 |
| Net loans and leases to deposits | 88.7277% | 1,588 |
| Net loans and leases to core deposits | 93.4893% | 1,916 |
| Total domestic deposits to total assets | 89.5693% | 951 |
| Equity capital to assets | 10.0998% | 4,049 |
| Core capital (leverage) ratio | 9.3468% | 4,575 |
| Tier 1 risk-based capital ratio | 13.6382% | 4,454 |
| Total risk-based capital ratio | 14.8900% | 4,390 |
| Memoranda: | ||
| Average total assets | $119,652,250 | 4,225 |
| Average earning assets | $113,042,750 | 4,146 |
| Average equity | $11,296,250 | 4,532 |
| Average total loans | $90,558,750 | 3,646 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 1,294 |
| Cost of funding earning assets | 0.8784% | 482 |
| Net interest margin | 3.8145% | 2,513 |
| Noninterest income to average assets | 0.2945% | 5,064 |
| Noninterest expense to average assets | 1.8120% | 6,126 |
| Loan and lease loss provision to assets | 0.2560% | 846 |
| Net operating income to assets | 1.8304% | 465 |
| Return on assets (ROA) | 1.8404% | 464 |
| Pretax return on assets | 1.8404% | 775 |
| Return on Equity (ROE) | 19.9601% | 292 |
| Retained earnings to average equity (ytd only) | 14.1717% | 251 |
| Net charge-offs to loans | 0.6255% | 622 |
| Credit loss provision to net charge-offs | 55.2347% | 2,711 |
| Earnings coverage of net charge-offs (x) | 4.5018% | 3,099 |
| Efficiency ratio | 44.5494% | 6,407 |
| Assets per employee ($millions) | 6.1997% | 1,173 |
| Cash dividends to net income (ytd only)* | 29.0000% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 4,924 |
| Loan loss allowance to noncurrent loans | 170.0000% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.7275% | 3,798 |
| Noncurrent loans to loans | 0.6451% | 4,095 |
| Net loans and leases to total assets | 75.4286% | 1,245 |
| Net loans and leases to deposits | 83.3463% | 2,106 |
| Net loans and leases to core deposits | 87.7142% | 2,340 |
| Total domestic deposits to total assets | 90.5003% | 588 |
| Equity capital to assets | 9.2658% | 5,017 |
| Core capital (leverage) ratio | 8.8942% | 5,169 |
| Tier 1 risk-based capital ratio | 13.1159% | 4,839 |
| Total risk-based capital ratio | 14.3656% | 4,770 |
| Memoranda: | ||
| Average total assets | $119,539,000 | 4,250 |
| Average earning assets | $112,937,670 | 4,165 |
| Average equity | $11,022,000 | 4,602 |
| Average total loans | $88,567,670 | 3,704 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 1,453 |
| Cost of funding earning assets | 0.8994% | 455 |
| Net interest margin | 3.7206% | 2,783 |
| Noninterest income to average assets | 0.3035% | 4,924 |
| Noninterest expense to average assets | 1.9060% | 6,054 |
| Loan and lease loss provision to assets | 0.2591% | 814 |
| Net operating income to assets | 1.6503% | 619 |
| Return on assets (ROA) | 1.6708% | 618 |
| Pretax return on assets | 1.6708% | 1,027 |
| Return on Equity (ROE) | 18.1675% | 430 |
| Retained earnings to average equity (ytd only) | 18.1675% | 174 |
| Net charge-offs to loans | 0.2057% | 1,515 |
| Credit loss provision to net charge-offs | 172.7273% | 1,148 |
| Earnings coverage of net charge-offs (x) | 12.7273% | 1,699 |
| Efficiency ratio | 47.9893% | 6,356 |
| Assets per employee ($millions) | 5.6248% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 3,697 |
| Loan loss allowance to noncurrent loans | 100.8453% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.3630% | 2,592 |
| Noncurrent loans to loans | 1.3691% | 2,735 |
| Net loans and leases to total assets | 72.1444% | 1,559 |
| Net loans and leases to deposits | 79.8106% | 2,317 |
| Net loans and leases to core deposits | 83.7341% | 2,548 |
| Total domestic deposits to total assets | 90.3945% | 862 |
| Equity capital to assets | 9.3752% | 4,658 |
| Core capital (leverage) ratio | 8.8264% | 5,235 |
| Tier 1 risk-based capital ratio | 13.8585% | 4,424 |
| Total risk-based capital ratio | 15.1124% | 4,377 |
| Memoranda: | ||
| Average total assets | $117,311,500 | 4,329 |
| Average earning assets | $110,735,500 | 4,256 |
| Average equity | $10,788,500 | 4,668 |
| Average total loans | $85,569,500 | 3,810 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 1,414 |
| Cost of funding earning assets | 0.9808% | 495 |
| Net interest margin | 3.7779% | 2,732 |
| Noninterest income to average assets | 0.3276% | 4,994 |
| Noninterest expense to average assets | 1.9409% | 6,120 |
| Loan and lease loss provision to assets | 0.2899% | 1,176 |
| Net operating income to assets | 1.6484% | 634 |
| Return on assets (ROA) | 1.6484% | 646 |
| Pretax return on assets | 1.6492% | 1,056 |
| Return on Equity (ROE) | 18.6362% | 365 |
| Retained earnings to average equity (ytd only) | 11.9422% | 324 |
| Net charge-offs to loans | 0.1870% | 2,967 |
| Credit loss provision to net charge-offs | 225.1701% | 1,014 |
| Earnings coverage of net charge-offs (x) | 15.0612% | 1,901 |
| Efficiency ratio | 46.5011% | 6,534 |
| Assets per employee ($millions) | 5.2956% | 1,852 |
| Cash dividends to net income (ytd only)* | 35.9192% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 3,795 |
| Loan loss allowance to noncurrent loans | 166.8103% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.9030% | 3,628 |
| Noncurrent loans to loans | 0.8214% | 3,922 |
| Net loans and leases to total assets | 71.7303% | 1,728 |
| Net loans and leases to deposits | 78.9875% | 2,595 |
| Net loans and leases to core deposits | 83.1068% | 2,763 |
| Total domestic deposits to total assets | 90.8123% | 656 |
| Equity capital to assets | 9.0152% | 5,019 |
| Core capital (leverage) ratio | 8.5957% | 5,548 |
| Tier 1 risk-based capital ratio | 13.1792% | 4,866 |
| Total risk-based capital ratio | 14.4318% | 4,799 |
| Memoranda: | ||
| Average total assets | $114,174,000 | 4,406 |
| Average earning assets | $107,362,400 | 4,331 |
| Average equity | $10,098,600 | 4,823 |
| Average total loans | $78,626,400 | 3,986 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7102% | 1,570 |
| Cost of funding earning assets | 1.0010% | 491 |
| Net interest margin | 3.7092% | 2,999 |
| Noninterest income to average assets | 0.3216% | 5,114 |
| Noninterest expense to average assets | 1.9731% | 6,060 |
| Loan and lease loss provision to assets | 0.1901% | 1,929 |
| Net operating income to assets | 1.6409% | 697 |
| Return on assets (ROA) | 1.6409% | 737 |
| Pretax return on assets | 1.6421% | 1,239 |
| Return on Equity (ROE) | 18.6442% | 394 |
| Retained earnings to average equity (ytd only) | 14.3899% | 233 |
| Net charge-offs to loans | 0.0294% | 4,543 |
| Credit loss provision to net charge-offs | 952.9412% | 324 |
| Earnings coverage of net charge-offs (x) | 91.8077% | 528 |
| Efficiency ratio | 48.2418% | 6,495 |
| Assets per employee ($millions) | 5.0546% | 2,100 |
| Cash dividends to net income (ytd only)* | 22.8182% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 4,076 |
| Loan loss allowance to noncurrent loans | 97.5652% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 3,480 |
| Noncurrent loans to loans | 1.3948% | 3,081 |
| Net loans and leases to total assets | 73.1342% | 1,426 |
| Net loans and leases to deposits | 80.9214% | 2,276 |
| Net loans and leases to core deposits | 84.8489% | 2,560 |
| Total domestic deposits to total assets | 90.3769% | 802 |
| Equity capital to assets | 9.3066% | 4,796 |
| Core capital (leverage) ratio | 8.8476% | 5,333 |
| Tier 1 risk-based capital ratio | 13.2244% | 4,969 |
| Total risk-based capital ratio | 14.4784% | 4,902 |
| Memoranda: | ||
| Average total assets | $113,591,750 | 4,459 |
| Average earning assets | $106,688,000 | 4,389 |
| Average equity | $9,997,500 | 4,908 |
| Average total loans | $77,100,750 | 4,054 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6410% | 1,722 |
| Cost of funding earning assets | 1.0251% | 481 |
| Net interest margin | 3.6159% | 3,299 |
| Noninterest income to average assets | 0.3060% | 5,262 |
| Noninterest expense to average assets | 1.9775% | 6,086 |
| Loan and lease loss provision to assets | 0.1888% | 2,005 |
| Net operating income to assets | 1.5299% | 853 |
| Return on assets (ROA) | 1.5299% | 920 |
| Pretax return on assets | 1.5316% | 1,533 |
| Return on Equity (ROE) | 17.7120% | 485 |
| Retained earnings to average equity (ytd only) | 11.2547% | 601 |
| Net charge-offs to loans | 0.0372% | 4,163 |
| Credit loss provision to net charge-offs | 771.4286% | 390 |
| Earnings coverage of net charge-offs (x) | 70.2857% | 637 |
| Efficiency ratio | 49.7872% | 6,446 |
| Assets per employee ($millions) | 5.0537% | 2,050 |
| Cash dividends to net income (ytd only)* | 36.4571% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 4,235 |
| Loan loss allowance to noncurrent loans | 96.0538% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0847% | 3,567 |
| Noncurrent loans to loans | 1.4117% | 3,179 |
| Net loans and leases to total assets | 70.0779% | 1,864 |
| Net loans and leases to deposits | 77.1349% | 2,707 |
| Net loans and leases to core deposits | 80.8387% | 2,931 |
| Total domestic deposits to total assets | 90.8510% | 600 |
| Equity capital to assets | 8.8899% | 5,336 |
| Core capital (leverage) ratio | 8.1200% | 6,089 |
| Tier 1 risk-based capital ratio | 12.9579% | 5,170 |
| Total risk-based capital ratio | 14.2109% | 5,106 |
| Memoranda: | ||
| Average total assets | $114,388,670 | 4,477 |
| Average earning assets | $107,304,000 | 4,406 |
| Average equity | $9,880,330 | 4,972 |
| Average total loans | $75,318,330 | 4,122 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5863% | 1,869 |
| Cost of funding earning assets | 1.0490% | 478 |
| Net interest margin | 3.5373% | 3,536 |
| Noninterest income to average assets | 0.2897% | 5,386 |
| Noninterest expense to average assets | 2.0277% | 6,044 |
| Loan and lease loss provision to assets | 0.1862% | 1,982 |
| Net operating income to assets | 1.3863% | 1,057 |
| Return on assets (ROA) | 1.3863% | 1,141 |
| Pretax return on assets | 1.3898% | 1,891 |
| Return on Equity (ROE) | 16.2778% | 577 |
| Retained earnings to average equity (ytd only) | 16.2778% | 259 |
| Net charge-offs to loans | 0.0490% | 3,342 |
| Credit loss provision to net charge-offs | 600.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 50.7778% | 670 |
| Efficiency ratio | 56.2679% | 6,037 |
| Assets per employee ($millions) | 5.2549% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 4,225 |
| Loan loss allowance to noncurrent loans | 92.9091% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0034% | 3,919 |
| Noncurrent loans to loans | 1.5080% | 3,290 |
| Net loans and leases to total assets | 62.2116% | 3,021 |
| Net loans and leases to deposits | 68.3276% | 3,737 |
| Net loans and leases to core deposits | 71.4523% | 3,889 |
| Total domestic deposits to total assets | 91.0490% | 505 |
| Equity capital to assets | 8.7010% | 5,809 |
| Core capital (leverage) ratio | 7.8035% | 6,283 |
| Tier 1 risk-based capital ratio | 13.5223% | 4,854 |
| Total risk-based capital ratio | 14.7752% | 4,810 |
| Memoranda: | ||
| Average total assets | $115,992,000 | 4,482 |
| Average earning assets | $108,670,500 | 4,405 |
| Average equity | $9,878,500 | 5,015 |
| Average total loans | $73,485,000 | 4,218 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8794% | 1,909 |
| Cost of funding earning assets | 1.2480% | 466 |
| Net interest margin | 3.6314% | 3,957 |
| Noninterest income to average assets | 0.3306% | 5,088 |
| Noninterest expense to average assets | 1.8042% | 6,619 |
| Loan and lease loss provision to assets | 0.1278% | 4,014 |
| Net operating income to assets | 1.8316% | 488 |
| Return on assets (ROA) | 1.8316% | 545 |
| Pretax return on assets | 1.8336% | 863 |
| Return on Equity (ROE) | 19.7265% | 313 |
| Retained earnings to average equity (ytd only) | 12.6922% | 269 |
| Net charge-offs to loans | 0.0682% | 4,998 |
| Credit loss provision to net charge-offs | 273.9130% | 882 |
| Earnings coverage of net charge-offs (x) | 42.0435% | 767 |
| Efficiency ratio | 47.9127% | 6,711 |
| Assets per employee ($millions) | 5.5418% | 1,648 |
| Cash dividends to net income (ytd only)* | 35.6589% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 4,530 |
| Loan loss allowance to noncurrent loans | 229.8824% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 5,253 |
| Noncurrent loans to loans | 0.5741% | 5,093 |
| Net loans and leases to total assets | 62.7701% | 3,101 |
| Net loans and leases to deposits | 68.6470% | 3,882 |
| Net loans and leases to core deposits | 70.9775% | 4,172 |
| Total domestic deposits to total assets | 91.4390% | 353 |
| Equity capital to assets | 8.3333% | 6,174 |
| Core capital (leverage) ratio | 8.7663% | 5,235 |
| Tier 1 risk-based capital ratio | 12.7424% | 5,300 |
| Total risk-based capital ratio | 13.9944% | 5,236 |
| Memoranda: | ||
| Average total assets | $98,604,400 | 4,872 |
| Average earning assets | $93,269,800 | 4,770 |
| Average equity | $9,155,200 | 5,185 |
| Average total loans | $67,472,000 | 4,440 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 1,559 |
| Cost of funding earning assets | 1.3169% | 410 |
| Net interest margin | 3.7339% | 3,640 |
| Noninterest income to average assets | 0.3455% | 5,049 |
| Noninterest expense to average assets | 1.8578% | 6,604 |
| Loan and lease loss provision to assets | 0.1345% | 3,864 |
| Net operating income to assets | 1.8875% | 465 |
| Return on assets (ROA) | 1.8875% | 545 |
| Pretax return on assets | 1.8903% | 891 |
| Return on Equity (ROE) | 19.7050% | 344 |
| Retained earnings to average equity (ytd only) | 14.9894% | 237 |
| Net charge-offs to loans | 0.0587% | 4,839 |
| Credit loss provision to net charge-offs | 327.5862% | 820 |
| Earnings coverage of net charge-offs (x) | 49.3049% | 766 |
| Efficiency ratio | 47.8483% | 6,730 |
| Assets per employee ($millions) | 5.3311% | 1,803 |
| Cash dividends to net income (ytd only)* | 23.9308% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 4,305 |
| Loan loss allowance to noncurrent loans | 257.4866% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 5,715 |
| Noncurrent loans to loans | 0.5500% | 5,343 |
| Net loans and leases to total assets | 69.8538% | 1,934 |
| Net loans and leases to deposits | 77.8905% | 2,672 |
| Net loans and leases to core deposits | 81.4283% | 3,029 |
| Total domestic deposits to total assets | 89.6821% | 1,027 |
| Equity capital to assets | 9.9970% | 4,497 |
| Core capital (leverage) ratio | 9.6907% | 3,979 |
| Tier 1 risk-based capital ratio | 15.0909% | 3,784 |
| Total risk-based capital ratio | 16.3446% | 3,734 |
| Memoranda: | ||
| Average total assets | $94,161,250 | 5,033 |
| Average earning assets | $89,197,500 | 4,932 |
| Average equity | $9,019,500 | 5,261 |
| Average total loans | $65,833,250 | 4,555 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0150% | 1,746 |
| Cost of funding earning assets | 1.3339% | 458 |
| Net interest margin | 3.6811% | 3,918 |
| Noninterest income to average assets | 0.3741% | 4,845 |
| Noninterest expense to average assets | 1.8747% | 6,651 |
| Loan and lease loss provision to assets | 0.1347% | 3,841 |
| Net operating income to assets | 1.8469% | 515 |
| Return on assets (ROA) | 1.8469% | 583 |
| Pretax return on assets | 1.8512% | 939 |
| Return on Equity (ROE) | 19.5734% | 380 |
| Retained earnings to average equity (ytd only) | 12.3466% | 527 |
| Net charge-offs to loans | 0.1597% | 3,644 |
| Credit loss provision to net charge-offs | 121.1538% | 2,264 |
| Earnings coverage of net charge-offs (x) | 17.8654% | 1,510 |
| Efficiency ratio | 48.5604% | 6,740 |
| Assets per employee ($millions) | 5.2348% | 1,884 |
| Cash dividends to net income (ytd only)* | 36.9213% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 4,641 |
| Loan loss allowance to noncurrent loans | 524.8555% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 6,238 |
| Noncurrent loans to loans | 0.2584% | 6,060 |
| Net loans and leases to total assets | 70.1009% | 1,902 |
| Net loans and leases to deposits | 77.8131% | 2,700 |
| Net loans and leases to core deposits | 81.3904% | 3,038 |
| Total domestic deposits to total assets | 90.0888% | 878 |
| Equity capital to assets | 9.6490% | 4,836 |
| Core capital (leverage) ratio | 9.1573% | 4,677 |
| Tier 1 risk-based capital ratio | 14.4982% | 4,108 |
| Total risk-based capital ratio | 15.7509% | 4,067 |
| Memoranda: | ||
| Average total assets | $93,562,000 | 5,080 |
| Average earning assets | $88,615,000 | 4,977 |
| Average equity | $8,828,330 | 5,309 |
| Average total loans | $65,113,000 | 4,605 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9941% | 1,908 |
| Cost of funding earning assets | 1.3493% | 519 |
| Net interest margin | 3.6448% | 4,067 |
| Noninterest income to average assets | 0.4162% | 4,548 |
| Noninterest expense to average assets | 1.9436% | 6,562 |
| Loan and lease loss provision to assets | 0.1373% | 3,636 |
| Net operating income to assets | 1.7806% | 620 |
| Return on assets (ROA) | 1.7806% | 696 |
| Pretax return on assets | 1.7891% | 1,097 |
| Return on Equity (ROE) | 19.0881% | 447 |
| Retained earnings to average equity (ytd only) | 19.0881% | 214 |
| Net charge-offs to loans | 0.0685% | 3,803 |
| Credit loss provision to net charge-offs | 290.9091% | 1,014 |
| Earnings coverage of net charge-offs (x) | 40.8182% | 743 |
| Efficiency ratio | 50.2217% | 6,660 |
| Assets per employee ($millions) | 5.6725% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 4,424 |
| Loan loss allowance to noncurrent loans | 433.0189% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 6,292 |
| Noncurrent loans to loans | 0.3324% | 6,006 |
| Net loans and leases to total assets | 65.1879% | 2,619 |
| Net loans and leases to deposits | 72.0036% | 3,435 |
| Net loans and leases to core deposits | 75.7867% | 3,639 |
| Total domestic deposits to total assets | 90.5343% | 787 |
| Equity capital to assets | 9.2334% | 5,181 |
| Core capital (leverage) ratio | 9.1589% | 4,591 |
| Tier 1 risk-based capital ratio | 15.2693% | 3,572 |
| Total risk-based capital ratio | 16.5250% | 3,531 |
| Memoranda: | ||
| Average total assets | $93,229,500 | 5,120 |
| Average earning assets | $88,344,000 | 5,011 |
| Average equity | $8,696,500 | 5,365 |
| Average total loans | $64,188,500 | 4,659 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3468% | 1,573 |
| Cost of funding earning assets | 1.4262% | 935 |
| Net interest margin | 3.9206% | 3,254 |
| Noninterest income to average assets | 0.3772% | 4,809 |
| Noninterest expense to average assets | 1.9978% | 6,676 |
| Loan and lease loss provision to assets | 0.1972% | 4,215 |
| Net operating income to assets | 1.8825% | 393 |
| Return on assets (ROA) | 1.8663% | 444 |
| Pretax return on assets | 1.8536% | 727 |
| Return on Equity (ROE) | 20.5236% | 245 |
| Retained earnings to average equity (ytd only) | 13.2427% | 211 |
| Net charge-offs to loans | 0.2759% | 4,043 |
| Credit loss provision to net charge-offs | 100.5882% | 3,469 |
| Earnings coverage of net charge-offs (x) | 10.5412% | 1,825 |
| Efficiency ratio | 49.1487% | 6,884 |
| Assets per employee ($millions) | 5.0015% | 2,199 |
| Cash dividends to net income (ytd only)* | 35.4759% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 4,521 |
| Loan loss allowance to noncurrent loans | 393.4211% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 6,339 |
| Noncurrent loans to loans | 0.3530% | 6,016 |
| Net loans and leases to total assets | 70.7566% | 1,874 |
| Net loans and leases to deposits | 78.2969% | 2,786 |
| Net loans and leases to core deposits | 84.5153% | 2,812 |
| Total domestic deposits to total assets | 90.3696% | 780 |
| Equity capital to assets | 9.4294% | 4,987 |
| Core capital (leverage) ratio | 9.0120% | 4,764 |
| Tier 1 risk-based capital ratio | 14.3734% | 4,061 |
| Total risk-based capital ratio | 15.6278% | 4,028 |
| Memoranda: | ||
| Average total assets | $86,694,800 | 5,270 |
| Average earning assets | $81,543,800 | 5,186 |
| Average equity | $7,883,600 | 5,606 |
| Average total loans | $61,615,600 | 4,804 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3496% | 1,675 |
| Cost of funding earning assets | 1.4328% | 1,093 |
| Net interest margin | 3.9167% | 3,297 |
| Noninterest income to average assets | 0.3960% | 4,698 |
| Noninterest expense to average assets | 2.0249% | 6,645 |
| Loan and lease loss provision to assets | 0.2174% | 3,844 |
| Net operating income to assets | 1.8510% | 469 |
| Return on assets (ROA) | 1.8293% | 532 |
| Pretax return on assets | 1.8122% | 938 |
| Return on Equity (ROE) | 20.3127% | 287 |
| Retained earnings to average equity (ytd only) | 16.2950% | 165 |
| Net charge-offs to loans | 0.3570% | 3,306 |
| Credit loss provision to net charge-offs | 85.8896% | 3,928 |
| Earnings coverage of net charge-offs (x) | 8.1042% | 2,237 |
| Efficiency ratio | 49.6762% | 6,848 |
| Assets per employee ($millions) | 4.9246% | 2,289 |
| Cash dividends to net income (ytd only)* | 19.7793% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 4,722 |
| Loan loss allowance to noncurrent loans | 411.7925% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 6,460 |
| Noncurrent loans to loans | 0.3310% | 6,191 |
| Net loans and leases to total assets | 71.2702% | 1,849 |
| Net loans and leases to deposits | 79.0046% | 2,813 |
| Net loans and leases to core deposits | 84.4633% | 2,992 |
| Total domestic deposits to total assets | 90.2102% | 763 |
| Equity capital to assets | 9.4683% | 5,135 |
| Core capital (leverage) ratio | 9.2301% | 4,572 |
| Tier 1 risk-based capital ratio | 14.2562% | 4,156 |
| Total risk-based capital ratio | 15.5101% | 4,121 |
| Memoranda: | ||
| Average total assets | $85,861,750 | 5,332 |
| Average earning assets | $80,677,250 | 5,253 |
| Average equity | $7,732,250 | 5,683 |
| Average total loans | $60,870,250 | 4,869 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3500% | 1,719 |
| Cost of funding earning assets | 1.4429% | 1,218 |
| Net interest margin | 3.9071% | 3,275 |
| Noninterest income to average assets | 0.4074% | 4,619 |
| Noninterest expense to average assets | 2.0934% | 6,611 |
| Loan and lease loss provision to assets | 0.2543% | 3,369 |
| Net operating income to assets | 1.7519% | 546 |
| Return on assets (ROA) | 1.7190% | 621 |
| Pretax return on assets | 1.6931% | 1,071 |
| Return on Equity (ROE) | 19.4356% | 349 |
| Retained earnings to average equity (ytd only) | 13.2322% | 373 |
| Net charge-offs to loans | 0.5350% | 2,492 |
| Credit loss provision to net charge-offs | 67.5000% | 4,130 |
| Earnings coverage of net charge-offs (x) | 5.2563% | 2,655 |
| Efficiency ratio | 51.3873% | 6,838 |
| Assets per employee ($millions) | 4.8037% | 2,404 |
| Cash dividends to net income (ytd only)* | 31.9178% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 4,891 |
| Loan loss allowance to noncurrent loans | 927.4725% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 6,451 |
| Noncurrent loans to loans | 0.1440% | 6,620 |
| Net loans and leases to total assets | 72.1093% | 1,769 |
| Net loans and leases to deposits | 79.5402% | 2,878 |
| Net loans and leases to core deposits | 85.4309% | 3,008 |
| Total domestic deposits to total assets | 90.6576% | 656 |
| Equity capital to assets | 9.0752% | 5,473 |
| Core capital (leverage) ratio | 8.7600% | 5,114 |
| Tier 1 risk-based capital ratio | 13.6641% | 4,407 |
| Total risk-based capital ratio | 14.9168% | 4,382 |
| Memoranda: | ||
| Average total assets | $84,934,670 | 5,397 |
| Average earning assets | $79,700,330 | 5,326 |
| Average equity | $7,512,000 | 5,763 |
| Average total loans | $59,810,670 | 4,967 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 2,013 |
| Cost of funding earning assets | 1.4589% | 1,336 |
| Net interest margin | 3.7992% | 3,627 |
| Noninterest income to average assets | 0.4467% | 4,317 |
| Noninterest expense to average assets | 2.1528% | 6,523 |
| Loan and lease loss provision to assets | 0.3612% | 2,391 |
| Net operating income to assets | 1.5493% | 776 |
| Return on assets (ROA) | 1.5493% | 813 |
| Pretax return on assets | 1.4970% | 1,457 |
| Return on Equity (ROE) | 17.7548% | 501 |
| Retained earnings to average equity (ytd only) | 17.7548% | 248 |
| Net charge-offs to loans | 1.1769% | 1,183 |
| Credit loss provision to net charge-offs | 44.4444% | 3,859 |
| Earnings coverage of net charge-offs (x) | 2.2865% | 3,169 |
| Efficiency ratio | 53.6730% | 6,723 |
| Assets per employee ($millions) | 4.8682% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 4,928 |
| Loan loss allowance to noncurrent loans | 1,271.4286% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 6,346 |
| Noncurrent loans to loans | 0.1056% | 6,786 |
| Net loans and leases to total assets | 67.1859% | 2,716 |
| Net loans and leases to deposits | 73.7360% | 3,798 |
| Net loans and leases to core deposits | 79.0932% | 3,870 |
| Total domestic deposits to total assets | 91.1169% | 569 |
| Equity capital to assets | 8.6161% | 5,755 |
| Core capital (leverage) ratio | 8.7221% | 5,049 |
| Tier 1 risk-based capital ratio | 14.1463% | 3,972 |
| Total risk-based capital ratio | 15.3992% | 3,945 |
| Memoranda: | ||
| Average total assets | $84,169,000 | 5,462 |
| Average earning assets | $78,963,000 | 5,390 |
| Average equity | $7,344,500 | 5,829 |
| Average total loans | $58,119,000 | 5,083 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6620% | 1,709 |
| Cost of funding earning assets | 1.6009% | 2,067 |
| Net interest margin | 4.0611% | 2,743 |
| Noninterest income to average assets | 0.3621% | 5,212 |
| Noninterest expense to average assets | 2.3185% | 6,306 |
| Loan and lease loss provision to assets | 0.4371% | 3,499 |
| Net operating income to assets | 1.2771% | 1,232 |
| Return on assets (ROA) | 1.3192% | 1,196 |
| Pretax return on assets | 1.3258% | 1,867 |
| Return on Equity (ROE) | 14.2690% | 839 |
| Retained earnings to average equity (ytd only) | 7.6472% | 1,103 |
| Net charge-offs to loans | 0.0389% | 6,420 |
| Credit loss provision to net charge-offs | 1,580.9524% | 151 |
| Earnings coverage of net charge-offs (x) | 62.2381% | 383 |
| Efficiency ratio | 57.3990% | 6,402 |
| Assets per employee ($millions) | 4.4839% | 2,902 |
| Cash dividends to net income (ytd only)* | 46.4072% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 3,645 |
| Loan loss allowance to noncurrent loans | 183.6066% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 5,812 |
| Noncurrent loans to loans | 0.8627% | 5,339 |
| Net loans and leases to total assets | 68.9720% | 2,755 |
| Net loans and leases to deposits | 75.8668% | 3,864 |
| Net loans and leases to core deposits | 80.9234% | 4,073 |
| Total domestic deposits to total assets | 90.9120% | 641 |
| Equity capital to assets | 8.8451% | 5,365 |
| Core capital (leverage) ratio | 8.8747% | 4,739 |
| Tier 1 risk-based capital ratio | 14.3389% | 3,653 |
| Total risk-based capital ratio | 15.5965% | 3,600 |
| Memoranda: | ||
| Average total assets | $75,953,600 | 5,717 |
| Average earning assets | $68,774,400 | 5,707 |
| Average equity | $7,022,200 | 6,027 |
| Average total loans | $53,940,200 | 5,319 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7277% | 1,617 |
| Cost of funding earning assets | 1.6149% | 2,306 |
| Net interest margin | 4.1128% | 2,568 |
| Noninterest income to average assets | 0.3531% | 5,343 |
| Noninterest expense to average assets | 2.3540% | 6,166 |
| Loan and lease loss provision to assets | 0.4030% | 3,492 |
| Net operating income to assets | 1.2757% | 1,400 |
| Return on assets (ROA) | 1.3322% | 1,354 |
| Pretax return on assets | 1.3411% | 2,063 |
| Return on Equity (ROE) | 14.2425% | 985 |
| Retained earnings to average equity (ytd only) | 10.6389% | 660 |
| Net charge-offs to loans | 0.0350% | 6,210 |
| Credit loss provision to net charge-offs | 1,614.2857% | 192 |
| Earnings coverage of net charge-offs (x) | 67.5576% | 446 |
| Efficiency ratio | 58.2524% | 6,231 |
| Assets per employee ($millions) | 4.3825% | 3,103 |
| Cash dividends to net income (ytd only)* | 25.3007% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 4,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 7,189 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 71.3355% | 2,398 |
| Net loans and leases to deposits | 79.2745% | 3,586 |
| Net loans and leases to core deposits | 84.2700% | 3,901 |
| Total domestic deposits to total assets | 89.9854% | 888 |
| Equity capital to assets | 9.2983% | 5,144 |
| Core capital (leverage) ratio | 9.2203% | 4,336 |
| Tier 1 risk-based capital ratio | 14.3477% | 3,597 |
| Total risk-based capital ratio | 15.6022% | 3,559 |
| Memoranda: | ||
| Average total assets | $74,764,250 | 5,813 |
| Average earning assets | $67,041,000 | 5,828 |
| Average equity | $6,993,000 | 6,117 |
| Average total loans | $53,284,250 | 5,419 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7347% | 1,618 |
| Cost of funding earning assets | 1.6279% | 2,493 |
| Net interest margin | 4.1068% | 2,529 |
| Noninterest income to average assets | 0.3597% | 5,274 |
| Noninterest expense to average assets | 2.4363% | 5,955 |
| Loan and lease loss provision to assets | 0.3270% | 3,783 |
| Net operating income to assets | 1.2136% | 1,524 |
| Return on assets (ROA) | 1.3081% | 1,353 |
| Pretax return on assets | 1.3217% | 2,022 |
| Return on Equity (ROE) | 13.9555% | 1,048 |
| Retained earnings to average equity (ytd only) | 8.4605% | 1,279 |
| Net charge-offs to loans | 0.0538% | 5,624 |
| Credit loss provision to net charge-offs | 857.1429% | 434 |
| Earnings coverage of net charge-offs (x) | 40.7143% | 716 |
| Efficiency ratio | 61.0656% | 5,841 |
| Assets per employee ($millions) | 4.2751% | 3,263 |
| Cash dividends to net income (ytd only)* | 39.3750% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 5,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 7,081 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 73.5342% | 2,017 |
| Net loans and leases to deposits | 81.4632% | 3,346 |
| Net loans and leases to core deposits | 86.0270% | 3,829 |
| Total domestic deposits to total assets | 90.2667% | 785 |
| Equity capital to assets | 9.0979% | 5,298 |
| Core capital (leverage) ratio | 9.3078% | 4,105 |
| Tier 1 risk-based capital ratio | 13.4481% | 4,103 |
| Total risk-based capital ratio | 14.6989% | 4,067 |
| Memoranda: | ||
| Average total assets | $73,390,670 | 5,888 |
| Average earning assets | $64,868,670 | 5,930 |
| Average equity | $6,879,000 | 6,180 |
| Average total loans | $52,022,330 | 5,510 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8477% | 1,330 |
| Cost of funding earning assets | 1.7107% | 2,334 |
| Net interest margin | 4.1370% | 2,289 |
| Noninterest income to average assets | 0.4189% | 4,743 |
| Noninterest expense to average assets | 2.5583% | 5,521 |
| Loan and lease loss provision to assets | 0.3351% | 3,382 |
| Net operating income to assets | 1.0781% | 1,901 |
| Return on assets (ROA) | 1.2736% | 1,424 |
| Pretax return on assets | 1.2736% | 2,128 |
| Return on Equity (ROE) | 13.3764% | 1,176 |
| Retained earnings to average equity (ytd only) | 13.3764% | 575 |
| Net charge-offs to loans | -0.0972% | 7,517 |
| Credit loss provision to net charge-offs | -500.0000% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4163% | 5,408 |
| Assets per employee ($millions) | 4.0227% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,847 |
| Loan loss allowance to noncurrent loans | 2,737.5000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 6,285 |
| Noncurrent loans to loans | 0.0481% | 7,289 |
| Net loans and leases to total assets | 68.0661% | 3,372 |
| Net loans and leases to deposits | 75.8083% | 4,448 |
| Net loans and leases to core deposits | 79.0270% | 4,886 |
| Total domestic deposits to total assets | 89.7872% | 1,092 |
| Equity capital to assets | 9.5320% | 4,481 |
| Core capital (leverage) ratio | 9.4517% | 3,849 |
| Tier 1 risk-based capital ratio | 15.5712% | 2,840 |
| Total risk-based capital ratio | 16.8250% | 2,782 |
| Memoranda: | ||
| Average total assets | $71,610,000 | 6,004 |
| Average earning assets | $61,494,000 | 6,109 |
| Average equity | $6,818,000 | 6,250 |
| Average total loans | $49,395,000 | 5,698 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3674% | 890 |
| Cost of funding earning assets | 1.9692% | 3,106 |
| Net interest margin | 4.3983% | 1,436 |
| Noninterest income to average assets | 0.4553% | 4,758 |
| Noninterest expense to average assets | 2.7568% | 5,138 |
| Loan and lease loss provision to assets | 0.4273% | 4,267 |
| Net operating income to assets | 0.9725% | 1,933 |
| Return on assets (ROA) | 0.9769% | 1,975 |
| Pretax return on assets | 0.9813% | 2,657 |
| Return on Equity (ROE) | 10.0732% | 1,666 |
| Retained earnings to average equity (ytd only) | 5.6368% | 1,510 |
| Net charge-offs to loans | 0.3944% | 4,239 |
| Credit loss provision to net charge-offs | 151.8325% | 3,034 |
| Earnings coverage of net charge-offs (x) | 4.9895% | 2,727 |
| Efficiency ratio | 66.2535% | 5,347 |
| Assets per employee ($millions) | 3.9339% | 3,945 |
| Cash dividends to net income (ytd only)* | 44.0422% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 5,378 |
| Loan loss allowance to noncurrent loans | 111.2167% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 5,618 |
| Noncurrent loans to loans | 1.0768% | 5,166 |
| Net loans and leases to total assets | 68.1561% | 3,672 |
| Net loans and leases to deposits | 75.8062% | 4,773 |
| Net loans and leases to core deposits | 89.1858% | 5,206 |
| Total domestic deposits to total assets | 89.9083% | 1,007 |
| Equity capital to assets | 9.5098% | 4,401 |
| Core capital (leverage) ratio | 9.4342% | 3,797 |
| Tier 1 risk-based capital ratio | 14.9142% | 2,989 |
| Total risk-based capital ratio | 16.1658% | 2,936 |
| Memoranda: | ||
| Average total assets | $67,868,800 | 6,079 |
| Average earning assets | $57,181,600 | 6,242 |
| Average equity | $6,581,800 | 6,397 |
| Average total loans | $48,429,800 | 5,741 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3485% | 1,031 |
| Cost of funding earning assets | 2.0032% | 3,342 |
| Net interest margin | 4.3453% | 1,600 |
| Noninterest income to average assets | 0.4727% | 4,725 |
| Noninterest expense to average assets | 2.8778% | 4,543 |
| Loan and lease loss provision to assets | 0.2502% | 4,950 |
| Net operating income to assets | 1.0567% | 1,877 |
| Return on assets (ROA) | 1.0645% | 1,904 |
| Pretax return on assets | 1.0705% | 2,672 |
| Return on Equity (ROE) | 10.9211% | 1,646 |
| Retained earnings to average equity (ytd only) | 8.2723% | 1,053 |
| Net charge-offs to loans | 0.1380% | 5,319 |
| Credit loss provision to net charge-offs | 252.0000% | 1,702 |
| Earnings coverage of net charge-offs (x) | 13.2190% | 1,691 |
| Efficiency ratio | 68.6730% | 4,849 |
| Assets per employee ($millions) | 3.6365% | 4,589 |
| Cash dividends to net income (ytd only)* | 24.2538% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 5,584 |
| Loan loss allowance to noncurrent loans | 464.4628% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 7,094 |
| Noncurrent loans to loans | 0.2416% | 6,898 |
| Net loans and leases to total assets | 71.6690% | 3,115 |
| Net loans and leases to deposits | 80.3150% | 4,337 |
| Net loans and leases to core deposits | 97.4745% | 4,663 |
| Total domestic deposits to total assets | 89.2350% | 1,091 |
| Equity capital to assets | 9.8619% | 4,251 |
| Core capital (leverage) ratio | 9.5920% | 3,797 |
| Tier 1 risk-based capital ratio | 14.8549% | 3,107 |
| Total risk-based capital ratio | 16.1151% | 3,048 |
| Memoranda: | ||
| Average total assets | $67,133,250 | 6,148 |
| Average earning assets | $57,439,750 | 6,284 |
| Average equity | $6,543,750 | 6,467 |
| Average total loans | $48,325,500 | 5,788 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2624% | 1,307 |
| Cost of funding earning assets | 2.0158% | 3,699 |
| Net interest margin | 4.2467% | 1,830 |
| Noninterest income to average assets | 0.4723% | 4,695 |
| Noninterest expense to average assets | 2.8971% | 4,514 |
| Loan and lease loss provision to assets | 0.2527% | 4,553 |
| Net operating income to assets | 0.9959% | 2,125 |
| Return on assets (ROA) | 1.0078% | 2,171 |
| Pretax return on assets | 1.0169% | 2,943 |
| Return on Equity (ROE) | 10.3817% | 1,892 |
| Retained earnings to average equity (ytd only) | 6.3530% | 1,863 |
| Net charge-offs to loans | 0.2053% | 4,239 |
| Credit loss provision to net charge-offs | 171.4286% | 2,681 |
| Earnings coverage of net charge-offs (x) | 8.5306% | 2,247 |
| Efficiency ratio | 69.7321% | 4,838 |
| Assets per employee ($millions) | 3.8934% | 3,887 |
| Cash dividends to net income (ytd only)* | 38.8060% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 5,777 |
| Loan loss allowance to noncurrent loans | 1,021.5686% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 7,402 |
| Noncurrent loans to loans | 0.1049% | 7,263 |
| Net loans and leases to total assets | 68.6410% | 4,036 |
| Net loans and leases to deposits | 76.2857% | 5,120 |
| Net loans and leases to core deposits | 91.7002% | 5,379 |
| Total domestic deposits to total assets | 89.9789% | 844 |
| Equity capital to assets | 9.2406% | 4,949 |
| Core capital (leverage) ratio | 9.4074% | 4,018 |
| Tier 1 risk-based capital ratio | 14.6186% | 3,178 |
| Total risk-based capital ratio | 15.8042% | 3,157 |
| Memoranda: | ||
| Average total assets | $66,479,670 | 6,210 |
| Average earning assets | $57,645,330 | 6,331 |
| Average equity | $6,453,670 | 6,547 |
| Average total loans | $47,740,330 | 5,858 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1296% | 1,832 |
| Cost of funding earning assets | 1.9642% | 4,313 |
| Net interest margin | 4.1654% | 2,030 |
| Noninterest income to average assets | 0.4391% | 4,880 |
| Noninterest expense to average assets | 2.9191% | 4,090 |
| Loan and lease loss provision to assets | 0.2597% | 3,886 |
| Net operating income to assets | 1.0761% | 2,045 |
| Return on assets (ROA) | 1.1008% | 2,084 |
| Pretax return on assets | 1.0885% | 3,031 |
| Return on Equity (ROE) | 11.0516% | 1,951 |
| Retained earnings to average equity (ytd only) | 11.0516% | 960 |
| Net charge-offs to loans | 0.1269% | 3,948 |
| Credit loss provision to net charge-offs | 280.0000% | 1,718 |
| Earnings coverage of net charge-offs (x) | 14.2667% | 1,680 |
| Efficiency ratio | 68.8047% | 4,817 |
| Assets per employee ($millions) | 3.6739% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 5,558 |
| Loan loss allowance to noncurrent loans | 483.9623% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 7,075 |
| Noncurrent loans to loans | 0.2247% | 6,892 |
| Net loans and leases to total assets | 70.5686% | 3,557 |
| Net loans and leases to deposits | 78.9187% | 4,783 |
| Net loans and leases to core deposits | 94.3244% | 5,126 |
| Total domestic deposits to total assets | 89.4193% | 1,047 |
| Equity capital to assets | 9.8080% | 4,230 |
| Core capital (leverage) ratio | 9.8101% | 3,625 |
| Tier 1 risk-based capital ratio | 15.3944% | 2,895 |
| Total risk-based capital ratio | 16.6290% | 2,834 |
| Memoranda: | ||
| Average total assets | $64,678,500 | 6,304 |
| Average earning assets | $59,057,500 | 6,297 |
| Average equity | $6,442,500 | 6,598 |
| Average total loans | $47,297,500 | 5,903 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5851% | 2,553 |
| Cost of funding earning assets | 2.3905% | 4,758 |
| Net interest margin | 4.1946% | 2,333 |
| Noninterest income to average assets | 0.5240% | 4,431 |
| Noninterest expense to average assets | 3.0821% | 3,774 |
| Loan and lease loss provision to assets | 0.1794% | 5,101 |
| Net operating income to assets | 1.0083% | 2,520 |
| Return on assets (ROA) | 1.0290% | 2,321 |
| Pretax return on assets | 1.0306% | 3,269 |
| Return on Equity (ROE) | 9.6812% | 2,368 |
| Retained earnings to average equity (ytd only) | 5.3187% | 1,849 |
| Net charge-offs to loans | 0.0429% | 6,175 |
| Credit loss provision to net charge-offs | 594.7368% | 731 |
| Earnings coverage of net charge-offs (x) | 39.4211% | 948 |
| Efficiency ratio | 72.1561% | 3,906 |
| Assets per employee ($millions) | 3.3277% | 5,148 |
| Cash dividends to net income (ytd only)* | 45.0617% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 5,819 |
| Loan loss allowance to noncurrent loans | 481.1881% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 6,932 |
| Noncurrent loans to loans | 0.2130% | 6,753 |
| Net loans and leases to total assets | 74.2230% | 3,049 |
| Net loans and leases to deposits | 83.3819% | 4,516 |
| Net loans and leases to core deposits | 97.1233% | 5,139 |
| Total domestic deposits to total assets | 89.0158% | 1,035 |
| Equity capital to assets | 10.1207% | 3,899 |
| Core capital (leverage) ratio | 9.8669% | 3,579 |
| Tier 1 risk-based capital ratio | 15.1567% | 2,977 |
| Total risk-based capital ratio | 16.3218% | 2,934 |
| Memoranda: | ||
| Average total assets | $62,975,600 | 6,282 |
| Average earning assets | $56,263,400 | 6,329 |
| Average equity | $6,693,400 | 6,570 |
| Average total loans | $44,278,800 | 5,962 |