Home > Heritage Bank of Schaumburg > Performance and Condition Ratios
Heritage Bank of Schaumburg, 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 | 3.2047% | 4,483 |
| Cost of funding earning assets | 0.3342% | 4,351 |
| Net interest margin | 2.8705% | 3,536 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.0566% | 3,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7513% | 3,041 |
| Return on assets (ROA) | 0.7513% | 3,021 |
| Pretax return on assets | 0.7513% | 3,336 |
| Return on Equity (ROE) | 5.9700% | 3,526 |
| Retained earnings to average equity (ytd only) | 1.6699% | 3,661 |
| Net charge-offs to loans | 0.0043% | 2,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 365.6667% | 376 |
| Efficiency ratio | 73.2439% | 1,530 |
| Assets per employee ($millions) | 8.6829% | 1,116 |
| Cash dividends to net income (ytd only)* | 72.0146% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 1,678 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 48.4000% | 3,704 |
| Net loans and leases to deposits | 56.4650% | 3,686 |
| Net loans and leases to core deposits | 58.6981% | 3,811 |
| Total domestic deposits to total assets | 85.7100% | 2,103 |
| Equity capital to assets | 13.9829% | 685 |
| Core capital (leverage) ratio | 10.0918% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6738% | 385 |
| Memoranda: | ||
| Average total assets | $146,018,400 | 3,403 |
| Average earning assets | $134,332,600 | 3,401 |
| Average equity | $18,384,200 | 2,983 |
| Average total loans | $69,647,600 | 3,556 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1335% | 4,504 |
| Cost of funding earning assets | 0.2950% | 4,367 |
| Net interest margin | 2.8385% | 3,660 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.0235% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7542% | 3,153 |
| Return on assets (ROA) | 0.7542% | 3,148 |
| Pretax return on assets | 0.7542% | 3,438 |
| Return on Equity (ROE) | 6.1500% | 3,615 |
| Retained earnings to average equity (ytd only) | 1.6626% | 3,805 |
| Net charge-offs to loans | 0.0057% | 2,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 278.6667% | 478 |
| Efficiency ratio | 72.8483% | 1,467 |
| Assets per employee ($millions) | 8.8669% | 978 |
| Cash dividends to net income (ytd only)* | 72.9665% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 1,914 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 48.5500% | 3,709 |
| Net loans and leases to deposits | 55.8275% | 3,720 |
| Net loans and leases to core deposits | 57.5338% | 3,797 |
| Total domestic deposits to total assets | 86.9700% | 1,905 |
| Equity capital to assets | 12.6891% | 875 |
| Core capital (leverage) ratio | 9.8080% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9148% | 438 |
| Memoranda: | ||
| Average total assets | $147,791,250 | 3,397 |
| Average earning assets | $136,032,750 | 3,391 |
| Average equity | $18,123,750 | 2,996 |
| Average total loans | $70,026,000 | 3,557 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0762% | 4,532 |
| Cost of funding earning assets | 0.2625% | 4,366 |
| Net interest margin | 2.8137% | 3,800 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.9978% | 3,607 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7559% | 3,204 |
| Return on assets (ROA) | 0.7559% | 3,223 |
| Pretax return on assets | 0.7559% | 3,493 |
| Return on Equity (ROE) | 6.2300% | 3,644 |
| Retained earnings to average equity (ytd only) | 1.6075% | 3,806 |
| Net charge-offs to loans | 0.0086% | 1,884 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 188.6667% | 638 |
| Efficiency ratio | 72.5509% | 1,501 |
| Assets per employee ($millions) | 9.0292% | 901 |
| Cash dividends to net income (ytd only)* | 74.2049% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 1,970 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 47.6700% | 3,704 |
| Net loans and leases to deposits | 54.7424% | 3,708 |
| Net loans and leases to core deposits | 56.3813% | 3,799 |
| Total domestic deposits to total assets | 87.0900% | 1,903 |
| Equity capital to assets | 12.6361% | 906 |
| Core capital (leverage) ratio | 9.5040% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8203% | 444 |
| Memoranda: | ||
| Average total assets | $149,765,000 | 3,382 |
| Average earning assets | $137,897,667 | 3,382 |
| Average equity | $18,164,333 | 3,010 |
| Average total loans | $70,108,000 | 3,566 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0106% | 4,562 |
| Cost of funding earning assets | 0.2336% | 4,322 |
| Net interest margin | 2.7770% | 3,978 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.9709% | 3,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7453% | 3,357 |
| Return on assets (ROA) | 0.7453% | 3,312 |
| Pretax return on assets | 0.7453% | 3,571 |
| Return on Equity (ROE) | 6.2700% | 3,658 |
| Retained earnings to average equity (ytd only) | 2.5167% | 3,602 |
| Net charge-offs to loans | 0.0057% | 1,756 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 284.0000% | 381 |
| Efficiency ratio | 72.5604% | 1,488 |
| Assets per employee ($millions) | 9.2454% | 858 |
| Cash dividends to net income (ytd only)* | 59.8592% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 2,166 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 47.2700% | 3,686 |
| Net loans and leases to deposits | 54.1388% | 3,670 |
| Net loans and leases to core deposits | 55.7163% | 3,756 |
| Total domestic deposits to total assets | 87.3100% | 2,159 |
| Equity capital to assets | 12.5042% | 874 |
| Core capital (leverage) ratio | 9.1198% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3600% | 481 |
| Memoranda: | ||
| Average total assets | $152,414,000 | 3,403 |
| Average earning assets | $140,438,000 | 3,402 |
| Average equity | $18,119,000 | 3,041 |
| Average total loans | $70,276,000 | 3,598 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6721% | 4,421 |
| Cost of funding earning assets | 0.1018% | 4,386 |
| Net interest margin | 2.5703% | 4,208 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.8412% | 3,947 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6738% | 3,691 |
| Return on assets (ROA) | 0.6738% | 3,643 |
| Pretax return on assets | 0.6751% | 3,902 |
| Return on Equity (ROE) | 5.8400% | 3,855 |
| Retained earnings to average equity (ytd only) | 2.6628% | 3,810 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.1719% | 1,302 |
| Assets per employee ($millions) | 9.8064% | 719 |
| Cash dividends to net income (ytd only)* | 54.4280% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 1,924 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 43.8600% | 3,902 |
| Net loans and leases to deposits | 49.5429% | 3,915 |
| Net loans and leases to core deposits | 50.7716% | 3,950 |
| Total domestic deposits to total assets | 88.5400% | 1,867 |
| Equity capital to assets | 11.3071% | 1,140 |
| Core capital (leverage) ratio | 8.6041% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9701% | 304 |
| Memoranda: | ||
| Average total assets | $160,871,000 | 3,337 |
| Average earning assets | $148,345,800 | 3,341 |
| Average equity | $18,552,000 | 3,072 |
| Average total loans | $70,044,200 | 3,576 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5554% | 4,423 |
| Cost of funding earning assets | 0.0955% | 4,316 |
| Net interest margin | 2.4599% | 4,252 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.8138% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5997% | 3,834 |
| Return on assets (ROA) | 0.5997% | 3,792 |
| Pretax return on assets | 0.6013% | 3,990 |
| Return on Equity (ROE) | 5.1800% | 3,949 |
| Retained earnings to average equity (ytd only) | 1.9763% | 4,039 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.1023% | 1,164 |
| Assets per employee ($millions) | 10.0759% | 648 |
| Cash dividends to net income (ytd only)* | 61.8132% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,118 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 43.1200% | 3,931 |
| Net loans and leases to deposits | 48.2060% | 3,946 |
| Net loans and leases to core deposits | 49.2323% | 3,985 |
| Total domestic deposits to total assets | 89.4500% | 1,895 |
| Equity capital to assets | 10.3943% | 1,423 |
| Core capital (leverage) ratio | 8.4096% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9405% | 348 |
| Memoranda: | ||
| Average total assets | $161,863,250 | 3,355 |
| Average earning assets | $149,325,000 | 3,353 |
| Average equity | $18,754,750 | 3,093 |
| Average total loans | $70,123,750 | 3,589 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5013% | 4,370 |
| Cost of funding earning assets | 0.0949% | 4,245 |
| Net interest margin | 2.4064% | 4,222 |
| Noninterest income to average assets | 0.1419% | 4,308 |
| Noninterest expense to average assets | 1.7979% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5627% | 3,725 |
| Return on assets (ROA) | 0.5627% | 3,674 |
| Pretax return on assets | 0.5652% | 3,881 |
| Return on Equity (ROE) | 4.6960% | 3,872 |
| Retained earnings to average equity (ytd only) | 1.5036% | 3,881 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0836% | 1,274 |
| Assets per employee ($millions) | 10.0695% | 643 |
| Cash dividends to net income (ytd only)* | 67.9825% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 43.1346% | 3,896 |
| Net loans and leases to deposits | 48.7045% | 3,885 |
| Net loans and leases to core deposits | 49.9396% | 3,936 |
| Total domestic deposits to total assets | 88.5639% | 2,350 |
| Equity capital to assets | 11.2996% | 1,100 |
| Core capital (leverage) ratio | 8.4360% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8606% | 326 |
| Memoranda: | ||
| Average total assets | $162,079,667 | 3,392 |
| Average earning assets | $149,603,667 | 3,401 |
| Average equity | $19,420,667 | 3,113 |
| Average total loans | $70,025,667 | 3,620 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4633% | 4,310 |
| Cost of funding earning assets | 0.0960% | 4,185 |
| Net interest margin | 2.3673% | 4,130 |
| Noninterest income to average assets | 0.1403% | 4,313 |
| Noninterest expense to average assets | 1.7790% | 3,992 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5413% | 3,591 |
| Return on assets (ROA) | 0.5413% | 3,555 |
| Pretax return on assets | 0.5462% | 3,764 |
| Return on Equity (ROE) | 4.3937% | 3,781 |
| Retained earnings to average equity (ytd only) | 0.5991% | 3,902 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5079% | 1,462 |
| Assets per employee ($millions) | 10.1544% | 654 |
| Cash dividends to net income (ytd only)* | 86.3636% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 41.1750% | 3,940 |
| Net loans and leases to deposits | 46.6972% | 3,943 |
| Net loans and leases to core deposits | 47.8920% | 3,989 |
| Total domestic deposits to total assets | 88.1744% | 2,445 |
| Equity capital to assets | 11.7099% | 1,058 |
| Core capital (leverage) ratio | 8.3792% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6770% | 309 |
| Memoranda: | ||
| Average total assets | $162,563,500 | 3,399 |
| Average earning assets | $150,044,500 | 3,407 |
| Average equity | $20,028,500 | 3,144 |
| Average total loans | $69,839,500 | 3,624 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6480% | 4,358 |
| Cost of funding earning assets | 0.1011% | 4,377 |
| Net interest margin | 2.5468% | 4,127 |
| Noninterest income to average assets | 0.1524% | 4,388 |
| Noninterest expense to average assets | 1.8165% | 4,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6723% | 3,693 |
| Return on assets (ROA) | 0.6723% | 3,742 |
| Pretax return on assets | 0.6774% | 3,975 |
| Return on Equity (ROE) | 5.1124% | 3,972 |
| Retained earnings to average equity (ytd only) | 0.8320% | 4,303 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8379% | 1,422 |
| Assets per employee ($millions) | 10.1661% | 635 |
| Cash dividends to net income (ytd only)* | 83.7253% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 2,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 43.6354% | 3,857 |
| Net loans and leases to deposits | 50.2005% | 3,864 |
| Net loans and leases to core deposits | 51.5020% | 3,929 |
| Total domestic deposits to total assets | 86.9222% | 2,553 |
| Equity capital to assets | 12.9303% | 922 |
| Core capital (leverage) ratio | 8.4562% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4526% | 376 |
| Memoranda: | ||
| Average total assets | $158,109,400 | 3,410 |
| Average earning assets | $145,356,800 | 3,420 |
| Average equity | $20,792,400 | 3,150 |
| Average total loans | $74,554,000 | 3,576 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6967% | 4,409 |
| Cost of funding earning assets | 0.1036% | 4,465 |
| Net interest margin | 2.5931% | 4,138 |
| Noninterest income to average assets | 0.1520% | 4,433 |
| Noninterest expense to average assets | 1.8151% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7135% | 3,734 |
| Return on assets (ROA) | 0.7135% | 3,800 |
| Pretax return on assets | 0.7186% | 4,039 |
| Return on Equity (ROE) | 5.4020% | 4,039 |
| Retained earnings to average equity (ytd only) | 0.6431% | 4,474 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6393% | 1,436 |
| Assets per employee ($millions) | 10.2589% | 596 |
| Cash dividends to net income (ytd only)* | 88.0952% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 44.2937% | 3,929 |
| Net loans and leases to deposits | 50.9278% | 3,959 |
| Net loans and leases to core deposits | 52.1205% | 4,029 |
| Total domestic deposits to total assets | 86.9736% | 2,362 |
| Equity capital to assets | 12.8997% | 1,013 |
| Core capital (leverage) ratio | 8.5165% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2970% | 410 |
| Memoranda: | ||
| Average total assets | $156,972,500 | 3,455 |
| Average earning assets | $144,172,750 | 3,466 |
| Average equity | $20,732,500 | 3,191 |
| Average total loans | $75,222,750 | 3,609 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7579% | 4,401 |
| Cost of funding earning assets | 0.1102% | 4,508 |
| Net interest margin | 2.6477% | 4,085 |
| Noninterest income to average assets | 0.1514% | 4,444 |
| Noninterest expense to average assets | 1.8333% | 4,115 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7375% | 3,662 |
| Return on assets (ROA) | 0.7375% | 3,729 |
| Pretax return on assets | 0.7426% | 3,986 |
| Return on Equity (ROE) | 5.5379% | 4,015 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,512 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1703% | 1,509 |
| Assets per employee ($millions) | 10.1298% | 585 |
| Cash dividends to net income (ytd only)* | 100.0000% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 45.8005% | 3,918 |
| Net loans and leases to deposits | 52.5146% | 3,964 |
| Net loans and leases to core deposits | 53.7566% | 4,037 |
| Total domestic deposits to total assets | 87.2147% | 2,213 |
| Equity capital to assets | 12.6150% | 1,084 |
| Core capital (leverage) ratio | 8.1117% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6221% | 506 |
| Memoranda: | ||
| Average total assets | $154,582,333 | 3,484 |
| Average earning assets | $141,559,000 | 3,497 |
| Average equity | $20,585,333 | 3,198 |
| Average total loans | $75,761,000 | 3,621 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8311% | 4,339 |
| Cost of funding earning assets | 0.1191% | 4,525 |
| Net interest margin | 2.7121% | 3,941 |
| Noninterest income to average assets | 0.1406% | 4,505 |
| Noninterest expense to average assets | 1.8882% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7240% | 3,654 |
| Return on assets (ROA) | 0.7240% | 3,716 |
| Pretax return on assets | 0.7293% | 3,961 |
| Return on Equity (ROE) | 5.2869% | 4,029 |
| Retained earnings to average equity (ytd only) | 1.6074% | 4,094 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1378% | 1,483 |
| Assets per employee ($millions) | 8.5331% | 978 |
| Cash dividends to net income (ytd only)* | 69.5971% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,893 |
| Loan loss allowance to noncurrent loans | 292.2330% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 3,150 |
| Noncurrent loans to loans | 0.4131% | 2,621 |
| Net loans and leases to total assets | 48.1168% | 3,806 |
| Net loans and leases to deposits | 55.6753% | 3,819 |
| Net loans and leases to core deposits | 56.9674% | 3,913 |
| Total domestic deposits to total assets | 86.4240% | 2,561 |
| Equity capital to assets | 13.4132% | 810 |
| Core capital (leverage) ratio | 8.4619% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9439% | 455 |
| Memoranda: | ||
| Average total assets | $150,835,000 | 3,518 |
| Average earning assets | $137,755,500 | 3,543 |
| Average equity | $20,655,000 | 3,186 |
| Average total loans | $76,074,000 | 3,626 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3565% | 4,257 |
| Cost of funding earning assets | 0.2054% | 4,563 |
| Net interest margin | 3.1511% | 3,492 |
| Noninterest income to average assets | 0.2123% | 4,218 |
| Noninterest expense to average assets | 2.0372% | 4,068 |
| Loan and lease loss provision to assets | 0.0873% | 3,271 |
| Net operating income to assets | 0.9345% | 2,546 |
| Return on assets (ROA) | 0.9345% | 2,690 |
| Pretax return on assets | 0.9416% | 3,247 |
| Return on Equity (ROE) | 6.4138% | 3,445 |
| Retained earnings to average equity (ytd only) | 1.0040% | 4,230 |
| Net charge-offs to loans | -0.0013% | 3,957 |
| Credit loss provision to net charge-offs | -12,300.0000% | 4,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4428% | 2,460 |
| Assets per employee ($millions) | 8.2264% | 959 |
| Cash dividends to net income (ytd only)* | 84.3465% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 3,121 |
| Loan loss allowance to noncurrent loans | 294.1368% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 3,252 |
| Noncurrent loans to loans | 0.3969% | 2,788 |
| Net loans and leases to total assets | 51.6205% | 3,694 |
| Net loans and leases to deposits | 60.1857% | 3,744 |
| Net loans and leases to core deposits | 61.6457% | 3,848 |
| Total domestic deposits to total assets | 85.7687% | 2,464 |
| Equity capital to assets | 13.9848% | 803 |
| Core capital (leverage) ratio | 8.6774% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2749% | 490 |
| Memoranda: | ||
| Average total assets | $140,830,200 | 3,497 |
| Average earning assets | $127,542,200 | 3,538 |
| Average equity | $20,518,400 | 3,138 |
| Average total loans | $78,405,800 | 3,586 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 4,331 |
| Cost of funding earning assets | 0.2172% | 4,615 |
| Net interest margin | 3.1936% | 3,503 |
| Noninterest income to average assets | 0.1669% | 4,469 |
| Noninterest expense to average assets | 2.0543% | 4,035 |
| Loan and lease loss provision to assets | 0.0432% | 3,815 |
| Net operating income to assets | 0.9524% | 2,508 |
| Return on assets (ROA) | 0.9524% | 2,646 |
| Pretax return on assets | 0.9600% | 3,199 |
| Return on Equity (ROE) | 6.4675% | 3,385 |
| Retained earnings to average equity (ytd only) | 0.2801% | 4,431 |
| Net charge-offs to loans | -0.0017% | 3,868 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1895% | 2,289 |
| Assets per employee ($millions) | 8.0120% | 990 |
| Cash dividends to net income (ytd only)* | 95.6697% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 3,630 |
| Loan loss allowance to noncurrent loans | 270.4918% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 2,618 |
| Noncurrent loans to loans | 0.3762% | 2,939 |
| Net loans and leases to total assets | 55.6471% | 3,653 |
| Net loans and leases to deposits | 65.0958% | 3,692 |
| Net loans and leases to core deposits | 66.7060% | 3,849 |
| Total domestic deposits to total assets | 85.4850% | 2,251 |
| Equity capital to assets | 14.2925% | 789 |
| Core capital (leverage) ratio | 8.6791% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1558% | 572 |
| Memoranda: | ||
| Average total assets | $139,019,000 | 3,513 |
| Average earning assets | $125,833,250 | 3,540 |
| Average equity | $20,471,000 | 3,138 |
| Average total loans | $78,672,250 | 3,600 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4520% | 4,476 |
| Cost of funding earning assets | 0.2180% | 4,713 |
| Net interest margin | 3.2340% | 3,570 |
| Noninterest income to average assets | 0.1661% | 4,462 |
| Noninterest expense to average assets | 2.0759% | 4,081 |
| Loan and lease loss provision to assets | 0.0437% | 3,741 |
| Net operating income to assets | 0.9557% | 2,473 |
| Return on assets (ROA) | 0.9557% | 2,602 |
| Pretax return on assets | 0.9644% | 3,132 |
| Return on Equity (ROE) | 6.4238% | 3,359 |
| Retained earnings to average equity (ytd only) | -1.2143% | 4,507 |
| Net charge-offs to loans | -0.0026% | 3,861 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3122% | 2,332 |
| Assets per employee ($millions) | 7.9788% | 976 |
| Cash dividends to net income (ytd only)* | 118.9024% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 3,410 |
| Loan loss allowance to noncurrent loans | 265.5738% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 2,735 |
| Noncurrent loans to loans | 0.3877% | 3,016 |
| Net loans and leases to total assets | 54.2052% | 3,858 |
| Net loans and leases to deposits | 63.4032% | 3,929 |
| Net loans and leases to core deposits | 64.9722% | 4,021 |
| Total domestic deposits to total assets | 85.4929% | 2,205 |
| Equity capital to assets | 14.2627% | 790 |
| Core capital (leverage) ratio | 8.8539% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7832% | 516 |
| Memoranda: | ||
| Average total assets | $137,286,667 | 3,515 |
| Average earning assets | $123,869,667 | 3,550 |
| Average equity | $20,424,000 | 3,137 |
| Average total loans | $77,870,667 | 3,618 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 4,571 |
| Cost of funding earning assets | 0.2143% | 4,858 |
| Net interest margin | 3.3492% | 3,450 |
| Noninterest income to average assets | 0.1760% | 4,489 |
| Noninterest expense to average assets | 2.1384% | 4,139 |
| Loan and lease loss provision to assets | 0.0447% | 3,219 |
| Net operating income to assets | 1.0110% | 2,141 |
| Return on assets (ROA) | 1.0110% | 2,241 |
| Pretax return on assets | 1.0230% | 2,769 |
| Return on Equity (ROE) | 6.6490% | 3,084 |
| Retained earnings to average equity (ytd only) | -0.2157% | 4,026 |
| Net charge-offs to loans | -0.0052% | 3,878 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6977% | 2,864 |
| Assets per employee ($millions) | 7.4887% | 899 |
| Cash dividends to net income (ytd only)* | 103.2448% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,554 |
| Loan loss allowance to noncurrent loans | 260.6557% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 2,799 |
| Noncurrent loans to loans | 0.3947% | 3,069 |
| Net loans and leases to total assets | 56.7302% | 3,776 |
| Net loans and leases to deposits | 67.0778% | 3,789 |
| Net loans and leases to core deposits | 68.8689% | 3,945 |
| Total domestic deposits to total assets | 84.5737% | 2,575 |
| Equity capital to assets | 15.2260% | 722 |
| Core capital (leverage) ratio | 9.4556% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,120,500 | 3,533 |
| Average earning assets | $121,343,000 | 3,560 |
| Average equity | $20,394,000 | 3,132 |
| Average total loans | $77,476,500 | 3,618 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4744% | 4,872 |
| Cost of funding earning assets | 0.1877% | 4,987 |
| Net interest margin | 3.2867% | 4,018 |
| Noninterest income to average assets | 0.1837% | 4,564 |
| Noninterest expense to average assets | 1.9787% | 4,565 |
| Loan and lease loss provision to assets | 0.0424% | 3,163 |
| Net operating income to assets | 1.1423% | 2,282 |
| Return on assets (ROA) | 1.1423% | 2,379 |
| Pretax return on assets | 1.1564% | 2,990 |
| Return on Equity (ROE) | 8.0628% | 3,138 |
| Retained earnings to average equity (ytd only) | 1.0770% | 4,361 |
| Net charge-offs to loans | -0.0110% | 4,494 |
| Credit loss provision to net charge-offs | -750.0000% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2721% | 3,334 |
| Assets per employee ($millions) | 7.4136% | 892 |
| Cash dividends to net income (ytd only)* | 86.6419% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,493 |
| Loan loss allowance to noncurrent loans | 144.5269% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 2,785 |
| Noncurrent loans to loans | 0.6938% | 2,147 |
| Net loans and leases to total assets | 57.6335% | 3,797 |
| Net loans and leases to deposits | 68.1298% | 3,809 |
| Net loans and leases to core deposits | 69.7961% | 3,969 |
| Total domestic deposits to total assets | 84.5937% | 2,645 |
| Equity capital to assets | 15.1853% | 749 |
| Core capital (leverage) ratio | 9.4131% | 4,154 |
| Tier 1 risk-based capital ratio | 21.7550% | 1,055 |
| Total risk-based capital ratio | 23.0062% | 1,030 |
| Memoranda: | ||
| Average total assets | $141,556,000 | 3,414 |
| Average earning assets | $128,942,400 | 3,444 |
| Average equity | $20,055,000 | 3,125 |
| Average total loans | $73,017,400 | 3,719 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4530% | 4,984 |
| Cost of funding earning assets | 0.1883% | 5,058 |
| Net interest margin | 3.2647% | 4,160 |
| Noninterest income to average assets | 0.1801% | 4,643 |
| Noninterest expense to average assets | 1.9500% | 4,644 |
| Loan and lease loss provision to assets | 0.0418% | 3,067 |
| Net operating income to assets | 1.1524% | 2,353 |
| Return on assets (ROA) | 1.1524% | 2,446 |
| Pretax return on assets | 1.1663% | 3,083 |
| Return on Equity (ROE) | 8.2720% | 3,209 |
| Retained earnings to average equity (ytd only) | 1.1265% | 4,534 |
| Net charge-offs to loans | -0.0111% | 4,406 |
| Credit loss provision to net charge-offs | -750.0000% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7465% | 3,362 |
| Assets per employee ($millions) | 8.0609% | 677 |
| Cash dividends to net income (ytd only)* | 86.3818% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 3,355 |
| Loan loss allowance to noncurrent loans | 141.1111% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 2,932 |
| Noncurrent loans to loans | 0.7353% | 2,124 |
| Net loans and leases to total assets | 53.0357% | 4,252 |
| Net loans and leases to deposits | 65.3139% | 4,109 |
| Net loans and leases to core deposits | 66.9344% | 4,228 |
| Total domestic deposits to total assets | 81.2013% | 3,695 |
| Equity capital to assets | 14.7465% | 921 |
| Core capital (leverage) ratio | 9.0936% | 4,559 |
| Tier 1 risk-based capital ratio | 22.2355% | 1,037 |
| Total risk-based capital ratio | 23.4873% | 1,010 |
| Memoranda: | ||
| Average total assets | $143,583,750 | 3,420 |
| Average earning assets | $130,973,250 | 3,445 |
| Average equity | $20,002,750 | 3,152 |
| Average total loans | $71,849,750 | 3,786 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4306% | 5,062 |
| Cost of funding earning assets | 0.1609% | 5,143 |
| Net interest margin | 3.2697% | 4,200 |
| Noninterest income to average assets | 0.1770% | 4,685 |
| Noninterest expense to average assets | 1.9195% | 4,725 |
| Loan and lease loss provision to assets | 0.0412% | 2,990 |
| Net operating income to assets | 1.1855% | 2,203 |
| Return on assets (ROA) | 1.1855% | 2,267 |
| Pretax return on assets | 1.1992% | 2,906 |
| Return on Equity (ROE) | 8.6685% | 2,992 |
| Retained earnings to average equity (ytd only) | 1.5250% | 4,279 |
| Net charge-offs to loans | -0.0084% | 4,270 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7469% | 3,620 |
| Assets per employee ($millions) | 8.4668% | 566 |
| Cash dividends to net income (ytd only)* | 82.4074% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,491 |
| Loan loss allowance to noncurrent loans | 135.5191% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 2,983 |
| Noncurrent loans to loans | 0.7547% | 2,095 |
| Net loans and leases to total assets | 50.0219% | 4,467 |
| Net loans and leases to deposits | 58.3266% | 4,503 |
| Net loans and leases to core deposits | 59.6206% | 4,586 |
| Total domestic deposits to total assets | 85.7616% | 2,151 |
| Equity capital to assets | 14.0174% | 1,109 |
| Core capital (leverage) ratio | 8.5761% | 4,924 |
| Tier 1 risk-based capital ratio | 22.1518% | 1,038 |
| Total risk-based capital ratio | 23.4026% | 1,016 |
| Memoranda: | ||
| Average total assets | $145,766,330 | 3,407 |
| Average earning assets | $132,978,000 | 3,439 |
| Average equity | $19,934,330 | 3,154 |
| Average total loans | $71,319,670 | 3,813 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3978% | 5,111 |
| Cost of funding earning assets | 0.1612% | 5,194 |
| Net interest margin | 3.2366% | 4,314 |
| Noninterest income to average assets | 0.1718% | 4,709 |
| Noninterest expense to average assets | 1.9334% | 4,751 |
| Loan and lease loss provision to assets | 0.0409% | 2,809 |
| Net operating income to assets | 1.1399% | 2,311 |
| Return on assets (ROA) | 1.1399% | 2,362 |
| Pretax return on assets | 1.1535% | 2,968 |
| Return on Equity (ROE) | 8.4387% | 3,065 |
| Retained earnings to average equity (ytd only) | 4.4010% | 3,170 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8134% | 3,562 |
| Assets per employee ($millions) | 8.1569% | 636 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,714 |
| Loan loss allowance to noncurrent loans | 129.6429% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 3,062 |
| Noncurrent loans to loans | 0.7709% | 2,105 |
| Net loans and leases to total assets | 48.9835% | 4,526 |
| Net loans and leases to deposits | 56.8389% | 4,560 |
| Net loans and leases to core deposits | 58.1350% | 4,641 |
| Total domestic deposits to total assets | 86.1795% | 2,191 |
| Equity capital to assets | 13.6428% | 1,159 |
| Core capital (leverage) ratio | 8.5841% | 4,956 |
| Tier 1 risk-based capital ratio | 22.3730% | 1,006 |
| Total risk-based capital ratio | 23.6235% | 985 |
| Memoranda: | ||
| Average total assets | $146,682,000 | 3,428 |
| Average earning assets | $133,969,000 | 3,455 |
| Average equity | $19,813,500 | 3,178 |
| Average total loans | $70,608,000 | 3,854 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2018% | 5,150 |
| Cost of funding earning assets | 0.1346% | 5,216 |
| Net interest margin | 3.0672% | 4,702 |
| Noninterest income to average assets | 0.2328% | 4,519 |
| Noninterest expense to average assets | 2.0301% | 4,699 |
| Loan and lease loss provision to assets | 0.0103% | 3,921 |
| Net operating income to assets | 0.9782% | 3,106 |
| Return on assets (ROA) | 0.9782% | 3,107 |
| Pretax return on assets | 0.9871% | 3,650 |
| Return on Equity (ROE) | 7.4297% | 3,684 |
| Retained earnings to average equity (ytd only) | 3.2963% | 3,759 |
| Net charge-offs to loans | 0.0341% | 2,717 |
| Credit loss provision to net charge-offs | 65.2174% | 3,047 |
| Earnings coverage of net charge-offs (x) | 62.9565% | 994 |
| Efficiency ratio | 67.0535% | 2,702 |
| Assets per employee ($millions) | 8.6199% | 527 |
| Cash dividends to net income (ytd only)* | 55.6338% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,460 |
| Loan loss allowance to noncurrent loans | 124.3007% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 2,996 |
| Noncurrent loans to loans | 0.8342% | 1,938 |
| Net loans and leases to total assets | 46.3078% | 4,723 |
| Net loans and leases to deposits | 53.5804% | 4,767 |
| Net loans and leases to core deposits | 54.7939% | 4,820 |
| Total domestic deposits to total assets | 86.4268% | 2,044 |
| Equity capital to assets | 13.3725% | 1,194 |
| Core capital (leverage) ratio | 8.4588% | 5,046 |
| Tier 1 risk-based capital ratio | 22.8212% | 940 |
| Total risk-based capital ratio | 24.0716% | 905 |
| Memoranda: | ||
| Average total assets | $145,165,600 | 3,444 |
| Average earning assets | $132,268,400 | 3,463 |
| Average equity | $19,112,600 | 3,171 |
| Average total loans | $67,354,000 | 3,928 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1341% | 5,233 |
| Cost of funding earning assets | 0.1284% | 5,282 |
| Net interest margin | 3.0057% | 4,835 |
| Noninterest income to average assets | 0.2145% | 4,684 |
| Noninterest expense to average assets | 2.0540% | 4,645 |
| Loan and lease loss provision to assets | 0.0138% | 3,727 |
| Net operating income to assets | 0.8765% | 3,635 |
| Return on assets (ROA) | 0.8765% | 3,640 |
| Pretax return on assets | 0.8838% | 4,075 |
| Return on Equity (ROE) | 6.6834% | 4,040 |
| Retained earnings to average equity (ytd only) | 2.2255% | 4,493 |
| Net charge-offs to loans | 0.0517% | 2,094 |
| Credit loss provision to net charge-offs | 57.6923% | 2,774 |
| Earnings coverage of net charge-offs (x) | 37.4955% | 1,409 |
| Efficiency ratio | 69.5883% | 2,256 |
| Assets per employee ($millions) | 7.5192% | 766 |
| Cash dividends to net income (ytd only)* | 66.7021% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,406 |
| Loan loss allowance to noncurrent loans | 100.4255% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5978% | 2,389 |
| Noncurrent loans to loans | 1.0569% | 1,613 |
| Net loans and leases to total assets | 46.1964% | 4,796 |
| Net loans and leases to deposits | 53.4760% | 4,841 |
| Net loans and leases to core deposits | 55.1897% | 4,867 |
| Total domestic deposits to total assets | 86.3871% | 2,023 |
| Equity capital to assets | 13.3638% | 1,184 |
| Core capital (leverage) ratio | 8.3786% | 5,154 |
| Tier 1 risk-based capital ratio | 22.4726% | 993 |
| Total risk-based capital ratio | 23.7241% | 968 |
| Memoranda: | ||
| Average total assets | $144,822,250 | 3,482 |
| Average earning assets | $131,881,000 | 3,508 |
| Average equity | $18,991,750 | 3,204 |
| Average total loans | $67,050,000 | 3,968 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1014% | 5,286 |
| Cost of funding earning assets | 0.1192% | 5,348 |
| Net interest margin | 2.9822% | 4,903 |
| Noninterest income to average assets | 0.2296% | 4,642 |
| Noninterest expense to average assets | 2.0526% | 4,700 |
| Loan and lease loss provision to assets | 0.0206% | 3,493 |
| Net operating income to assets | 0.8661% | 3,599 |
| Return on assets (ROA) | 0.8661% | 3,599 |
| Pretax return on assets | 0.8730% | 4,046 |
| Return on Equity (ROE) | 6.6462% | 4,008 |
| Retained earnings to average equity (ytd only) | 1.8989% | 4,494 |
| Net charge-offs to loans | 0.0864% | 1,473 |
| Credit loss provision to net charge-offs | 51.7241% | 2,482 |
| Earnings coverage of net charge-offs (x) | 22.4138% | 1,745 |
| Efficiency ratio | 69.6687% | 2,371 |
| Assets per employee ($millions) | 7.6196% | 732 |
| Cash dividends to net income (ytd only)* | 71.4286% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 3,424 |
| Loan loss allowance to noncurrent loans | 98.4637% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 2,434 |
| Noncurrent loans to loans | 1.0877% | 1,625 |
| Net loans and leases to total assets | 44.9815% | 4,868 |
| Net loans and leases to deposits | 51.9356% | 4,917 |
| Net loans and leases to core deposits | 53.5676% | 4,947 |
| Total domestic deposits to total assets | 86.6101% | 2,012 |
| Equity capital to assets | 13.1337% | 1,245 |
| Core capital (leverage) ratio | 8.1189% | 5,304 |
| Tier 1 risk-based capital ratio | 22.3740% | 1,000 |
| Total risk-based capital ratio | 23.6252% | 977 |
| Memoranda: | ||
| Average total assets | $145,475,000 | 3,497 |
| Average earning assets | $132,520,330 | 3,520 |
| Average equity | $18,958,330 | 3,224 |
| Average total loans | $67,164,670 | 3,995 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0905% | 5,320 |
| Cost of funding earning assets | 0.1205% | 5,388 |
| Net interest margin | 2.9700% | 4,917 |
| Noninterest income to average assets | 0.1838% | 4,926 |
| Noninterest expense to average assets | 2.0408% | 4,774 |
| Loan and lease loss provision to assets | 0.0411% | 2,934 |
| Net operating income to assets | 0.8010% | 3,699 |
| Return on assets (ROA) | 0.8010% | 3,711 |
| Pretax return on assets | 0.8064% | 4,132 |
| Return on Equity (ROE) | 6.1699% | 4,098 |
| Retained earnings to average equity (ytd only) | 2.1553% | 4,302 |
| Net charge-offs to loans | 0.1769% | 827 |
| Credit loss provision to net charge-offs | 50.0000% | 1,944 |
| Earnings coverage of net charge-offs (x) | 10.3000% | 1,907 |
| Efficiency ratio | 70.6553% | 2,393 |
| Assets per employee ($millions) | 7.6981% | 705 |
| Cash dividends to net income (ytd only)* | 65.0685% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,582 |
| Loan loss allowance to noncurrent loans | 183.8120% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 3,383 |
| Noncurrent loans to loans | 0.5783% | 2,809 |
| Net loans and leases to total assets | 44.7994% | 4,862 |
| Net loans and leases to deposits | 51.6042% | 4,894 |
| Net loans and leases to core deposits | 53.0318% | 4,949 |
| Total domestic deposits to total assets | 86.8135% | 2,197 |
| Equity capital to assets | 12.9465% | 1,274 |
| Core capital (leverage) ratio | 8.0977% | 5,363 |
| Tier 1 risk-based capital ratio | 22.1386% | 1,032 |
| Total risk-based capital ratio | 23.3894% | 1,015 |
| Memoranda: | ||
| Average total assets | $145,826,000 | 3,521 |
| Average earning assets | $132,796,000 | 3,552 |
| Average equity | $18,930,500 | 3,250 |
| Average total loans | $67,834,000 | 4,014 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1464% | 5,244 |
| Cost of funding earning assets | 0.1286% | 5,373 |
| Net interest margin | 3.0178% | 4,848 |
| Noninterest income to average assets | 0.1980% | 4,956 |
| Noninterest expense to average assets | 2.1244% | 4,714 |
| Loan and lease loss provision to assets | 0.0421% | 3,409 |
| Net operating income to assets | 0.7606% | 3,346 |
| Return on assets (ROA) | 0.7606% | 3,382 |
| Pretax return on assets | 0.7676% | 4,340 |
| Return on Equity (ROE) | 5.7606% | 3,851 |
| Retained earnings to average equity (ytd only) | 1.8510% | 4,208 |
| Net charge-offs to loans | 0.0264% | 3,280 |
| Credit loss provision to net charge-offs | 315.7895% | 908 |
| Earnings coverage of net charge-offs (x) | 60.6842% | 949 |
| Efficiency ratio | 72.4031% | 2,164 |
| Assets per employee ($millions) | 7.6521% | 718 |
| Cash dividends to net income (ytd only)* | 67.8670% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 3,709 |
| Loan loss allowance to noncurrent loans | 95.1058% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 2,463 |
| Noncurrent loans to loans | 1.0887% | 1,630 |
| Net loans and leases to total assets | 47.2663% | 4,813 |
| Net loans and leases to deposits | 54.5224% | 4,867 |
| Net loans and leases to core deposits | 56.7460% | 4,899 |
| Total domestic deposits to total assets | 86.6916% | 2,156 |
| Equity capital to assets | 13.0168% | 1,259 |
| Core capital (leverage) ratio | 8.1402% | 5,384 |
| Tier 1 risk-based capital ratio | 21.2465% | 1,103 |
| Total risk-based capital ratio | 22.4988% | 1,083 |
| Memoranda: | ||
| Average total assets | $142,393,000 | 3,577 |
| Average earning assets | $129,101,600 | 3,598 |
| Average equity | $18,800,200 | 3,261 |
| Average total loans | $72,052,400 | 3,916 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1636% | 5,277 |
| Cost of funding earning assets | 0.1289% | 5,433 |
| Net interest margin | 3.0347% | 4,843 |
| Noninterest income to average assets | 0.1948% | 5,041 |
| Noninterest expense to average assets | 2.1772% | 4,573 |
| Loan and lease loss provision to assets | 0.0424% | 3,259 |
| Net operating income to assets | 0.7163% | 3,893 |
| Return on assets (ROA) | 0.7163% | 3,953 |
| Pretax return on assets | 0.7239% | 4,547 |
| Return on Equity (ROE) | 5.4059% | 4,371 |
| Retained earnings to average equity (ytd only) | 1.2503% | 4,903 |
| Net charge-offs to loans | 0.0275% | 2,891 |
| Credit loss provision to net charge-offs | 300.0000% | 979 |
| Earnings coverage of net charge-offs (x) | 54.2655% | 1,063 |
| Efficiency ratio | 73.9687% | 1,895 |
| Assets per employee ($millions) | 7.4155% | 791 |
| Cash dividends to net income (ytd only)* | 76.8726% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 4,101 |
| Loan loss allowance to noncurrent loans | 92.4282% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 2,549 |
| Noncurrent loans to loans | 1.0754% | 1,791 |
| Net loans and leases to total assets | 50.0518% | 4,697 |
| Net loans and leases to deposits | 57.9944% | 4,754 |
| Net loans and leases to core deposits | 60.5805% | 4,787 |
| Total domestic deposits to total assets | 86.3046% | 2,176 |
| Equity capital to assets | 13.4200% | 1,189 |
| Core capital (leverage) ratio | 8.1542% | 5,447 |
| Tier 1 risk-based capital ratio | 20.3497% | 1,301 |
| Total risk-based capital ratio | 21.6004% | 1,274 |
| Memoranda: | ||
| Average total assets | $141,644,000 | 3,627 |
| Average earning assets | $128,291,000 | 3,640 |
| Average equity | $18,769,000 | 3,295 |
| Average total loans | $72,705,750 | 3,932 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1479% | 5,305 |
| Cost of funding earning assets | 0.1292% | 5,451 |
| Net interest margin | 3.0187% | 4,869 |
| Noninterest income to average assets | 0.1846% | 5,127 |
| Noninterest expense to average assets | 2.1579% | 4,651 |
| Loan and lease loss provision to assets | 0.0423% | 3,154 |
| Net operating income to assets | 0.7076% | 3,816 |
| Return on assets (ROA) | 0.7076% | 3,879 |
| Pretax return on assets | 0.7174% | 4,503 |
| Return on Equity (ROE) | 5.3625% | 4,328 |
| Retained earnings to average equity (ytd only) | 0.9828% | 4,840 |
| Net charge-offs to loans | -0.0082% | 4,472 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9614% | 2,025 |
| Assets per employee ($millions) | 7.0830% | 893 |
| Cash dividends to net income (ytd only)* | 81.6733% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 4,187 |
| Loan loss allowance to noncurrent loans | 30.6995% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.7415% | 811 |
| Noncurrent loans to loans | 3.2341% | 377 |
| Net loans and leases to total assets | 50.0494% | 4,710 |
| Net loans and leases to deposits | 57.8917% | 4,754 |
| Net loans and leases to core deposits | 60.4531% | 4,799 |
| Total domestic deposits to total assets | 86.4535% | 2,171 |
| Equity capital to assets | 13.2874% | 1,236 |
| Core capital (leverage) ratio | 7.9798% | 5,537 |
| Tier 1 risk-based capital ratio | 20.0468% | 1,363 |
| Total risk-based capital ratio | 21.2979% | 1,327 |
| Memoranda: | ||
| Average total assets | $141,894,000 | 3,636 |
| Average earning assets | $128,465,330 | 3,663 |
| Average equity | $18,722,670 | 3,303 |
| Average total loans | $73,198,330 | 3,940 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1401% | 5,321 |
| Cost of funding earning assets | 0.1277% | 5,511 |
| Net interest margin | 3.0123% | 4,868 |
| Noninterest income to average assets | 0.1775% | 5,212 |
| Noninterest expense to average assets | 2.1576% | 4,742 |
| Loan and lease loss provision to assets | 0.0423% | 2,955 |
| Net operating income to assets | 0.6901% | 3,750 |
| Return on assets (ROA) | 0.6901% | 3,785 |
| Pretax return on assets | 0.7014% | 4,446 |
| Return on Equity (ROE) | 5.2484% | 4,279 |
| Retained earnings to average equity (ytd only) | 1.2853% | 4,567 |
| Net charge-offs to loans | -0.0108% | 4,463 |
| Credit loss provision to net charge-offs | -750.0000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3689% | 2,168 |
| Assets per employee ($millions) | 7.1562% | 878 |
| Cash dividends to net income (ytd only)* | 75.5102% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 4,562 |
| Loan loss allowance to noncurrent loans | 39.0230% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 1.3492% | 1,249 |
| Noncurrent loans to loans | 2.4307% | 658 |
| Net loans and leases to total assets | 50.7085% | 4,612 |
| Net loans and leases to deposits | 58.5017% | 4,665 |
| Net loans and leases to core deposits | 60.9549% | 4,725 |
| Total domestic deposits to total assets | 86.6787% | 2,360 |
| Equity capital to assets | 13.0921% | 1,222 |
| Core capital (leverage) ratio | 7.9611% | 5,576 |
| Tier 1 risk-based capital ratio | 19.5036% | 1,492 |
| Total risk-based capital ratio | 20.7537% | 1,463 |
| Memoranda: | ||
| Average total assets | $142,011,000 | 3,664 |
| Average earning assets | $128,405,000 | 3,699 |
| Average equity | $18,672,500 | 3,325 |
| Average total loans | $73,992,000 | 3,952 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2081% | 5,289 |
| Cost of funding earning assets | 0.1368% | 5,507 |
| Net interest margin | 3.0713% | 4,797 |
| Noninterest income to average assets | 0.2381% | 4,994 |
| Noninterest expense to average assets | 2.1511% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8472% | 3,077 |
| Return on assets (ROA) | 0.8472% | 3,193 |
| Pretax return on assets | 0.8573% | 3,987 |
| Return on Equity (ROE) | 6.3426% | 3,817 |
| Retained earnings to average equity (ytd only) | 1.9395% | 4,432 |
| Net charge-offs to loans | 0.3474% | 783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 4.5692% | 3,477 |
| Efficiency ratio | 71.5040% | 2,669 |
| Assets per employee ($millions) | 7.0449% | 908 |
| Cash dividends to net income (ytd only)* | 69.4208% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 4,759 |
| Loan loss allowance to noncurrent loans | 38.3484% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 1.3613% | 1,267 |
| Noncurrent loans to loans | 2.3664% | 689 |
| Net loans and leases to total assets | 52.5451% | 4,564 |
| Net loans and leases to deposits | 60.7566% | 4,624 |
| Net loans and leases to core deposits | 63.3476% | 4,671 |
| Total domestic deposits to total assets | 86.4845% | 2,377 |
| Equity capital to assets | 13.2060% | 1,171 |
| Core capital (leverage) ratio | 8.1123% | 5,555 |
| Tier 1 risk-based capital ratio | 18.8708% | 1,631 |
| Total risk-based capital ratio | 20.0818% | 1,606 |
| Memoranda: | ||
| Average total assets | $138,578,600 | 3,695 |
| Average earning assets | $124,996,600 | 3,734 |
| Average equity | $18,509,800 | 3,336 |
| Average total loans | $74,838,600 | 3,926 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2295% | 5,318 |
| Cost of funding earning assets | 0.1371% | 5,570 |
| Net interest margin | 3.0924% | 4,792 |
| Noninterest income to average assets | 0.2464% | 4,996 |
| Noninterest expense to average assets | 2.1594% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8667% | 3,066 |
| Return on assets (ROA) | 0.8667% | 3,190 |
| Pretax return on assets | 0.8763% | 4,060 |
| Return on Equity (ROE) | 6.4698% | 3,852 |
| Retained earnings to average equity (ytd only) | 1.6734% | 4,842 |
| Net charge-offs to loans | 0.0338% | 2,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 47.7418% | 1,116 |
| Efficiency ratio | 71.1330% | 2,715 |
| Assets per employee ($millions) | 6.9479% | 907 |
| Cash dividends to net income (ytd only)* | 74.1356% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 3,218 |
| Loan loss allowance to noncurrent loans | 65.5960% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1162% | 1,817 |
| Noncurrent loans to loans | 1.8347% | 1,116 |
| Net loans and leases to total assets | 54.2931% | 4,472 |
| Net loans and leases to deposits | 62.8836% | 4,567 |
| Net loans and leases to core deposits | 65.5989% | 4,636 |
| Total domestic deposits to total assets | 86.3389% | 2,196 |
| Equity capital to assets | 13.4128% | 1,284 |
| Core capital (leverage) ratio | 8.0940% | 5,641 |
| Tier 1 risk-based capital ratio | 18.2704% | 1,846 |
| Total risk-based capital ratio | 19.5250% | 1,814 |
| Memoranda: | ||
| Average total assets | $137,998,750 | 3,728 |
| Average earning assets | $124,473,500 | 3,768 |
| Average equity | $18,485,500 | 3,369 |
| Average total loans | $74,870,000 | 3,955 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2240% | 5,399 |
| Cost of funding earning assets | 0.1384% | 5,627 |
| Net interest margin | 3.0856% | 4,868 |
| Noninterest income to average assets | 0.2353% | 5,076 |
| Noninterest expense to average assets | 2.1659% | 4,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8469% | 3,110 |
| Return on assets (ROA) | 0.8469% | 3,239 |
| Pretax return on assets | 0.8556% | 4,099 |
| Return on Equity (ROE) | 6.3250% | 3,890 |
| Retained earnings to average equity (ytd only) | 1.1175% | 4,934 |
| Net charge-offs to loans | 0.0538% | 2,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 29.4500% | 1,402 |
| Efficiency ratio | 71.6827% | 2,718 |
| Assets per employee ($millions) | 6.9137% | 905 |
| Cash dividends to net income (ytd only)* | 82.3328% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 3,359 |
| Loan loss allowance to noncurrent loans | 65.2916% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.1253% | 1,874 |
| Noncurrent loans to loans | 1.8386% | 1,112 |
| Net loans and leases to total assets | 54.6401% | 4,447 |
| Net loans and leases to deposits | 63.2788% | 4,541 |
| Net loans and leases to core deposits | 66.2188% | 4,594 |
| Total domestic deposits to total assets | 86.3481% | 2,240 |
| Equity capital to assets | 13.3908% | 1,287 |
| Core capital (leverage) ratio | 7.9922% | 5,732 |
| Tier 1 risk-based capital ratio | 13.5470% | 3,871 |
| Total risk-based capital ratio | 14.7518% | 3,814 |
| Memoranda: | ||
| Average total assets | $137,679,330 | 3,757 |
| Average earning assets | $124,319,000 | 3,793 |
| Average equity | $18,434,670 | 3,381 |
| Average total loans | $74,372,330 | 3,992 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1352% | 5,570 |
| Cost of funding earning assets | 0.1384% | 5,691 |
| Net interest margin | 2.9968% | 5,126 |
| Noninterest income to average assets | 0.2242% | 5,134 |
| Noninterest expense to average assets | 2.2041% | 4,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7221% | 3,608 |
| Return on assets (ROA) | 0.7221% | 3,723 |
| Pretax return on assets | 0.7308% | 4,414 |
| Return on Equity (ROE) | 5.3931% | 4,291 |
| Retained earnings to average equity (ytd only) | 1.2613% | 4,751 |
| Net charge-offs to loans | 0.1146% | 1,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.9524% | 1,828 |
| Efficiency ratio | 75.0992% | 2,310 |
| Assets per employee ($millions) | 6.8919% | 932 |
| Cash dividends to net income (ytd only)* | 76.6129% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 3,146 |
| Loan loss allowance to noncurrent loans | 62.1274% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1797% | 1,867 |
| Noncurrent loans to loans | 2.0211% | 1,054 |
| Net loans and leases to total assets | 52.3176% | 4,604 |
| Net loans and leases to deposits | 60.5590% | 4,675 |
| Net loans and leases to core deposits | 63.2776% | 4,735 |
| Total domestic deposits to total assets | 86.3912% | 2,498 |
| Equity capital to assets | 13.3817% | 1,228 |
| Core capital (leverage) ratio | 8.0049% | 5,770 |
| Tier 1 risk-based capital ratio | 14.4402% | 3,423 |
| Total risk-based capital ratio | 15.6908% | 3,362 |
| Memoranda: | ||
| Average total assets | $137,382,000 | 3,790 |
| Average earning assets | $124,266,000 | 3,823 |
| Average equity | $18,394,000 | 3,385 |
| Average total loans | $73,323,000 | 4,041 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2454% | 5,441 |
| Cost of funding earning assets | 0.1439% | 5,722 |
| Net interest margin | 3.1014% | 4,897 |
| Noninterest income to average assets | 0.2509% | 5,093 |
| Noninterest expense to average assets | 2.1540% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8843% | 2,959 |
| Return on assets (ROA) | 0.8843% | 3,044 |
| Pretax return on assets | 0.8865% | 3,899 |
| Return on Equity (ROE) | 6.6051% | 3,729 |
| Retained earnings to average equity (ytd only) | 1.4122% | 4,920 |
| Net charge-offs to loans | 0.1238% | 2,133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 12.8191% | 2,423 |
| Efficiency ratio | 70.8444% | 3,090 |
| Assets per employee ($millions) | 6.8464% | 943 |
| Cash dividends to net income (ytd only)* | 78.6190% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 3,042 |
| Loan loss allowance to noncurrent loans | 231.0345% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 3,973 |
| Noncurrent loans to loans | 0.5515% | 3,517 |
| Net loans and leases to total assets | 53.0779% | 4,589 |
| Net loans and leases to deposits | 61.4712% | 4,672 |
| Net loans and leases to core deposits | 64.4337% | 4,713 |
| Total domestic deposits to total assets | 86.3460% | 2,464 |
| Equity capital to assets | 13.3962% | 1,166 |
| Core capital (leverage) ratio | 8.0397% | 5,816 |
| Tier 1 risk-based capital ratio | 14.3240% | 3,537 |
| Total risk-based capital ratio | 15.5744% | 3,448 |
| Memoranda: | ||
| Average total assets | $135,933,000 | 3,790 |
| Average earning assets | $122,266,400 | 3,835 |
| Average equity | $18,198,000 | 3,355 |
| Average total loans | $75,931,400 | 3,944 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2679% | 5,464 |
| Cost of funding earning assets | 0.1444% | 5,822 |
| Net interest margin | 3.1234% | 4,903 |
| Noninterest income to average assets | 0.2751% | 4,971 |
| Noninterest expense to average assets | 2.2247% | 4,980 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8559% | 3,146 |
| Return on assets (ROA) | 0.8559% | 3,237 |
| Pretax return on assets | 0.8559% | 4,153 |
| Return on Equity (ROE) | 6.3942% | 3,962 |
| Retained earnings to average equity (ytd only) | 0.6681% | 5,422 |
| Net charge-offs to loans | 0.1655% | 1,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 9.1686% | 2,727 |
| Efficiency ratio | 72.2169% | 2,839 |
| Assets per employee ($millions) | 6.7756% | 953 |
| Cash dividends to net income (ytd only)* | 89.5522% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 3,447 |
| Loan loss allowance to noncurrent loans | 240.2564% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 3,432 |
| Noncurrent loans to loans | 0.5148% | 3,809 |
| Net loans and leases to total assets | 55.2154% | 4,443 |
| Net loans and leases to deposits | 64.0109% | 4,558 |
| Net loans and leases to core deposits | 67.3759% | 4,594 |
| Total domestic deposits to total assets | 86.2594% | 2,408 |
| Equity capital to assets | 13.4469% | 1,252 |
| Core capital (leverage) ratio | 7.9296% | 5,934 |
| Tier 1 risk-based capital ratio | 13.7932% | 3,971 |
| Total risk-based capital ratio | 15.0431% | 3,908 |
| Memoranda: | ||
| Average total assets | $135,684,500 | 3,831 |
| Average earning assets | $121,870,750 | 3,883 |
| Average equity | $18,161,750 | 3,386 |
| Average total loans | $76,510,250 | 3,964 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2545% | 5,522 |
| Cost of funding earning assets | 0.1444% | 5,898 |
| Net interest margin | 3.1101% | 4,946 |
| Noninterest income to average assets | 0.2932% | 4,865 |
| Noninterest expense to average assets | 2.2454% | 4,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8428% | 3,157 |
| Return on assets (ROA) | 0.8428% | 3,265 |
| Pretax return on assets | 0.8398% | 4,164 |
| Return on Equity (ROE) | 6.3059% | 3,985 |
| Retained earnings to average equity (ytd only) | 0.3528% | 5,400 |
| Net charge-offs to loans | 0.2371% | 1,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.2637% | 2,809 |
| Efficiency ratio | 72.7794% | 2,884 |
| Assets per employee ($millions) | 6.8301% | 899 |
| Cash dividends to net income (ytd only)* | 94.4056% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 3,724 |
| Loan loss allowance to noncurrent loans | 237.6263% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 3,577 |
| Noncurrent loans to loans | 0.5099% | 3,929 |
| Net loans and leases to total assets | 56.1672% | 4,319 |
| Net loans and leases to deposits | 64.9931% | 4,442 |
| Net loans and leases to core deposits | 68.3732% | 4,462 |
| Total domestic deposits to total assets | 86.4203% | 2,480 |
| Equity capital to assets | 13.2803% | 1,264 |
| Core capital (leverage) ratio | 7.7764% | 6,024 |
| Tier 1 risk-based capital ratio | 13.3805% | 4,286 |
| Total risk-based capital ratio | 14.6307% | 4,219 |
| Memoranda: | ||
| Average total assets | $135,742,330 | 3,861 |
| Average earning assets | $121,860,670 | 3,914 |
| Average equity | $18,141,670 | 3,406 |
| Average total loans | $76,760,330 | 3,985 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2457% | 5,564 |
| Cost of funding earning assets | 0.1451% | 5,961 |
| Net interest margin | 3.1006% | 4,949 |
| Noninterest income to average assets | 0.3340% | 4,516 |
| Noninterest expense to average assets | 2.2496% | 5,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8750% | 2,871 |
| Return on assets (ROA) | 0.8750% | 2,999 |
| Pretax return on assets | 0.8632% | 4,013 |
| Return on Equity (ROE) | 6.5263% | 3,748 |
| Retained earnings to average equity (ytd only) | 1.0142% | 5,067 |
| Net charge-offs to loans | 0.4980% | 505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.0737% | 2,659 |
| Efficiency ratio | 72.2697% | 3,125 |
| Assets per employee ($millions) | 6.4985% | 1,076 |
| Cash dividends to net income (ytd only)* | 84.4595% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 3,798 |
| Loan loss allowance to noncurrent loans | 232.5062% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 3,629 |
| Noncurrent loans to loans | 0.5282% | 3,987 |
| Net loans and leases to total assets | 55.2232% | 4,291 |
| Net loans and leases to deposits | 63.8943% | 4,378 |
| Net loans and leases to core deposits | 67.1119% | 4,415 |
| Total domestic deposits to total assets | 86.4291% | 2,697 |
| Equity capital to assets | 13.3137% | 1,255 |
| Core capital (leverage) ratio | 7.8853% | 5,995 |
| Tier 1 risk-based capital ratio | 13.4309% | 4,360 |
| Total risk-based capital ratio | 14.6814% | 4,275 |
| Memoranda: | ||
| Average total assets | $135,313,000 | 3,897 |
| Average earning assets | $121,267,500 | 3,948 |
| Average equity | $18,142,000 | 3,420 |
| Average total loans | $76,307,500 | 4,010 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4487% | 5,434 |
| Cost of funding earning assets | 0.1466% | 6,119 |
| Net interest margin | 3.3020% | 4,554 |
| Noninterest income to average assets | 0.2684% | 5,203 |
| Noninterest expense to average assets | 2.2250% | 5,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9936% | 2,417 |
| Return on assets (ROA) | 0.9936% | 2,491 |
| Pretax return on assets | 0.9966% | 3,510 |
| Return on Equity (ROE) | 7.2360% | 3,497 |
| Retained earnings to average equity (ytd only) | 0.9607% | 5,346 |
| Net charge-offs to loans | 0.2236% | 1,875 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.5988% | 3,010 |
| Efficiency ratio | 69.0651% | 3,697 |
| Assets per employee ($millions) | 6.3885% | 1,127 |
| Cash dividends to net income (ytd only)* | 86.7229% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 3,164 |
| Loan loss allowance to noncurrent loans | 160.2484% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7648% | 3,307 |
| Noncurrent loans to loans | 0.8439% | 3,204 |
| Net loans and leases to total assets | 56.1159% | 4,321 |
| Net loans and leases to deposits | 65.1037% | 4,419 |
| Net loans and leases to core deposits | 68.4450% | 4,457 |
| Total domestic deposits to total assets | 86.1946% | 2,727 |
| Equity capital to assets | 13.5027% | 1,159 |
| Core capital (leverage) ratio | 7.8679% | 6,068 |
| Tier 1 risk-based capital ratio | 13.5943% | 4,351 |
| Total risk-based capital ratio | 14.8468% | 4,289 |
| Memoranda: | ||
| Average total assets | $131,144,200 | 3,953 |
| Average earning assets | $117,291,600 | 4,022 |
| Average equity | $18,007,200 | 3,394 |
| Average total loans | $76,931,800 | 3,970 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4571% | 5,476 |
| Cost of funding earning assets | 0.1463% | 6,204 |
| Net interest margin | 3.3109% | 4,563 |
| Noninterest income to average assets | 0.2628% | 5,330 |
| Noninterest expense to average assets | 2.2567% | 5,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9673% | 2,607 |
| Return on assets (ROA) | 0.9673% | 2,674 |
| Pretax return on assets | 0.9683% | 3,722 |
| Return on Equity (ROE) | 7.0149% | 3,706 |
| Retained earnings to average equity (ytd only) | 0.2670% | 5,728 |
| Net charge-offs to loans | 0.2992% | 1,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.4740% | 3,255 |
| Efficiency ratio | 69.9746% | 3,511 |
| Assets per employee ($millions) | 6.3760% | 1,095 |
| Cash dividends to net income (ytd only)* | 96.1944% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 3,341 |
| Loan loss allowance to noncurrent loans | 97.6326% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.0478% | 2,865 |
| Noncurrent loans to loans | 1.3948% | 2,321 |
| Net loans and leases to total assets | 55.7754% | 4,361 |
| Net loans and leases to deposits | 64.6656% | 4,465 |
| Net loans and leases to core deposits | 67.3694% | 4,573 |
| Total domestic deposits to total assets | 86.2520% | 2,728 |
| Equity capital to assets | 13.4365% | 1,214 |
| Core capital (leverage) ratio | 7.7494% | 6,194 |
| Tier 1 risk-based capital ratio | 13.4614% | 4,569 |
| Total risk-based capital ratio | 14.7135% | 4,507 |
| Memoranda: | ||
| Average total assets | $130,390,750 | 3,998 |
| Average earning assets | $116,663,750 | 4,069 |
| Average equity | $17,980,250 | 3,419 |
| Average total loans | $77,085,750 | 3,990 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5049% | 5,401 |
| Cost of funding earning assets | 0.1473% | 6,274 |
| Net interest margin | 3.3575% | 4,364 |
| Noninterest income to average assets | 0.2399% | 5,477 |
| Noninterest expense to average assets | 2.2751% | 5,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9673% | 2,464 |
| Return on assets (ROA) | 0.9673% | 2,555 |
| Pretax return on assets | 0.9627% | 3,635 |
| Return on Equity (ROE) | 6.9535% | 3,645 |
| Retained earnings to average equity (ytd only) | -0.7788% | 5,822 |
| Net charge-offs to loans | 0.4488% | 905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.5747% | 3,271 |
| Efficiency ratio | 70.2677% | 3,614 |
| Assets per employee ($millions) | 6.5196% | 998 |
| Cash dividends to net income (ytd only)* | 111.2000% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 3,639 |
| Loan loss allowance to noncurrent loans | 84.3571% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.1730% | 2,732 |
| Noncurrent loans to loans | 1.5891% | 2,192 |
| Net loans and leases to total assets | 55.3674% | 4,369 |
| Net loans and leases to deposits | 63.9184% | 4,513 |
| Net loans and leases to core deposits | 66.6684% | 4,578 |
| Total domestic deposits to total assets | 86.6220% | 2,684 |
| Equity capital to assets | 13.0800% | 1,334 |
| Core capital (leverage) ratio | 7.8475% | 6,184 |
| Tier 1 risk-based capital ratio | 13.0543% | 4,877 |
| Total risk-based capital ratio | 14.3058% | 4,805 |
| Memoranda: | ||
| Average total assets | $129,222,330 | 4,048 |
| Average earning assets | $115,382,670 | 4,119 |
| Average equity | $17,976,670 | 3,421 |
| Average total loans | $77,543,670 | 3,986 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 5,114 |
| Cost of funding earning assets | 0.1500% | 6,354 |
| Net interest margin | 3.4687% | 3,828 |
| Noninterest income to average assets | 0.2457% | 5,396 |
| Noninterest expense to average assets | 2.3513% | 5,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0145% | 2,156 |
| Return on assets (ROA) | 1.0145% | 2,222 |
| Pretax return on assets | 0.9922% | 3,353 |
| Return on Equity (ROE) | 7.0624% | 3,444 |
| Retained earnings to average equity (ytd only) | -0.0444% | 5,560 |
| Net charge-offs to loans | 0.1489% | 1,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.7241% | 1,839 |
| Efficiency ratio | 70.3244% | 3,775 |
| Assets per employee ($millions) | 5.7447% | 1,502 |
| Cash dividends to net income (ytd only)* | 100.6289% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 3,043 |
| Loan loss allowance to noncurrent loans | 94.9111% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.1149% | 3,027 |
| Noncurrent loans to loans | 1.6062% | 2,412 |
| Net loans and leases to total assets | 60.0543% | 3,557 |
| Net loans and leases to deposits | 70.2099% | 3,575 |
| Net loans and leases to core deposits | 73.3607% | 3,723 |
| Total domestic deposits to total assets | 85.5354% | 3,593 |
| Equity capital to assets | 14.2415% | 849 |
| Core capital (leverage) ratio | 8.3830% | 5,764 |
| Tier 1 risk-based capital ratio | 13.1307% | 4,934 |
| Total risk-based capital ratio | 14.3848% | 4,862 |
| Memoranda: | ||
| Average total assets | $125,378,000 | 4,156 |
| Average earning assets | $111,972,500 | 4,215 |
| Average equity | $18,011,000 | 3,427 |
| Average total loans | $77,898,500 | 3,998 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5753% | 5,471 |
| Cost of funding earning assets | 0.1836% | 6,374 |
| Net interest margin | 3.3916% | 4,306 |
| Noninterest income to average assets | 0.2569% | 5,508 |
| Noninterest expense to average assets | 2.2162% | 5,590 |
| Loan and lease loss provision to assets | 0.1393% | 2,565 |
| Net operating income to assets | 0.9317% | 2,637 |
| Return on assets (ROA) | 0.9317% | 2,715 |
| Pretax return on assets | 0.9456% | 3,580 |
| Return on Equity (ROE) | 6.6883% | 3,728 |
| Retained earnings to average equity (ytd only) | -0.0056% | 5,866 |
| Net charge-offs to loans | 0.0472% | 4,561 |
| Credit loss provision to net charge-offs | 486.4865% | 474 |
| Earnings coverage of net charge-offs (x) | 37.8919% | 990 |
| Efficiency ratio | 67.1355% | 4,348 |
| Assets per employee ($millions) | 5.4075% | 1,748 |
| Cash dividends to net income (ytd only)* | 100.0831% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 3,055 |
| Loan loss allowance to noncurrent loans | 88.8561% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.2270% | 2,951 |
| Noncurrent loans to loans | 1.7212% | 2,331 |
| Net loans and leases to total assets | 62.3283% | 3,315 |
| Net loans and leases to deposits | 73.1360% | 3,381 |
| Net loans and leases to core deposits | 75.8451% | 3,621 |
| Total domestic deposits to total assets | 85.2226% | 3,626 |
| Equity capital to assets | 14.4912% | 785 |
| Core capital (leverage) ratio | 8.3835% | 5,800 |
| Tier 1 risk-based capital ratio | 13.0668% | 4,932 |
| Total risk-based capital ratio | 14.3213% | 4,878 |
| Memoranda: | ||
| Average total assets | $129,233,000 | 4,087 |
| Average earning assets | $115,991,200 | 4,131 |
| Average equity | $18,001,600 | 3,417 |
| Average total loans | $78,346,400 | 3,994 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5588% | 5,554 |
| Cost of funding earning assets | 0.1923% | 6,432 |
| Net interest margin | 3.3665% | 4,411 |
| Noninterest income to average assets | 0.2647% | 5,555 |
| Noninterest expense to average assets | 2.2251% | 5,546 |
| Loan and lease loss provision to assets | 0.1840% | 1,977 |
| Net operating income to assets | 0.8657% | 3,012 |
| Return on assets (ROA) | 0.8657% | 3,122 |
| Pretax return on assets | 0.8800% | 3,968 |
| Return on Equity (ROE) | 6.2753% | 4,036 |
| Retained earnings to average equity (ytd only) | -0.9483% | 6,128 |
| Net charge-offs to loans | 0.0170% | 4,784 |
| Credit loss provision to net charge-offs | 1,800.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 104.1238% | 480 |
| Efficiency ratio | 67.6507% | 4,160 |
| Assets per employee ($millions) | 5.5740% | 1,559 |
| Cash dividends to net income (ytd only)* | 115.1119% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,138 |
| Loan loss allowance to noncurrent loans | 79.1131% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.2137% | 3,216 |
| Noncurrent loans to loans | 1.9865% | 2,259 |
| Net loans and leases to total assets | 60.1368% | 3,677 |
| Net loans and leases to deposits | 70.1172% | 3,771 |
| Net loans and leases to core deposits | 71.1677% | 4,194 |
| Total domestic deposits to total assets | 85.7661% | 3,370 |
| Equity capital to assets | 13.9757% | 970 |
| Core capital (leverage) ratio | 8.0048% | 6,218 |
| Tier 1 risk-based capital ratio | 12.8361% | 5,236 |
| Total risk-based capital ratio | 14.0911% | 5,170 |
| Memoranda: | ||
| Average total assets | $130,448,250 | 4,101 |
| Average earning assets | $117,191,250 | 4,144 |
| Average equity | $17,996,250 | 3,460 |
| Average total loans | $78,252,250 | 4,020 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5715% | 5,520 |
| Cost of funding earning assets | 0.2054% | 6,448 |
| Net interest margin | 3.3661% | 4,320 |
| Noninterest income to average assets | 0.2805% | 5,443 |
| Noninterest expense to average assets | 2.2135% | 5,599 |
| Loan and lease loss provision to assets | 0.1829% | 2,072 |
| Net operating income to assets | 0.8933% | 2,835 |
| Return on assets (ROA) | 0.8933% | 2,981 |
| Pretax return on assets | 0.9070% | 3,877 |
| Return on Equity (ROE) | 6.5029% | 3,878 |
| Retained earnings to average equity (ytd only) | -2.1528% | 6,210 |
| Net charge-offs to loans | -0.0051% | 5,638 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0051% | 4,363 |
| Assets per employee ($millions) | 5.9689% | 1,219 |
| Cash dividends to net income (ytd only)* | 133.1058% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 3,614 |
| Loan loss allowance to noncurrent loans | 166.3854% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 4,905 |
| Noncurrent loans to loans | 0.8986% | 4,131 |
| Net loans and leases to total assets | 59.3557% | 3,768 |
| Net loans and leases to deposits | 68.8901% | 3,875 |
| Net loans and leases to core deposits | 69.9059% | 4,288 |
| Total domestic deposits to total assets | 86.1600% | 3,281 |
| Equity capital to assets | 13.6077% | 1,084 |
| Core capital (leverage) ratio | 7.8204% | 6,291 |
| Tier 1 risk-based capital ratio | 12.6746% | 5,373 |
| Total risk-based capital ratio | 13.9288% | 5,314 |
| Memoranda: | ||
| Average total assets | $131,197,330 | 4,117 |
| Average earning assets | $117,821,670 | 4,161 |
| Average equity | $18,022,670 | 3,481 |
| Average total loans | $78,227,330 | 4,035 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5804% | 5,499 |
| Cost of funding earning assets | 0.2210% | 6,467 |
| Net interest margin | 3.3594% | 4,275 |
| Noninterest income to average assets | 0.2989% | 5,308 |
| Noninterest expense to average assets | 2.2023% | 5,687 |
| Loan and lease loss provision to assets | 0.1830% | 2,015 |
| Net operating income to assets | 0.9151% | 2,585 |
| Return on assets (ROA) | 0.9151% | 2,732 |
| Pretax return on assets | 0.9273% | 3,663 |
| Return on Equity (ROE) | 6.6300% | 3,702 |
| Retained earnings to average equity (ytd only) | -0.3315% | 5,840 |
| Net charge-offs to loans | -0.0051% | 5,274 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4825% | 4,580 |
| Assets per employee ($millions) | 5.7211% | 1,467 |
| Cash dividends to net income (ytd only)* | 105.0000% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 4,141 |
| Loan loss allowance to noncurrent loans | 154.7586% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 4,355 |
| Noncurrent loans to loans | 0.9167% | 4,302 |
| Net loans and leases to total assets | 59.2495% | 3,563 |
| Net loans and leases to deposits | 68.8327% | 3,662 |
| Net loans and leases to core deposits | 69.8552% | 4,100 |
| Total domestic deposits to total assets | 86.0775% | 3,488 |
| Equity capital to assets | 13.7401% | 1,119 |
| Core capital (leverage) ratio | 7.9964% | 6,149 |
| Tier 1 risk-based capital ratio | 12.7765% | 5,381 |
| Total risk-based capital ratio | 14.0295% | 5,321 |
| Memoranda: | ||
| Average total assets | $131,138,500 | 4,159 |
| Average earning assets | $117,639,500 | 4,205 |
| Average equity | $18,099,500 | 3,510 |
| Average total loans | $77,778,000 | 4,070 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 5,666 |
| Cost of funding earning assets | 0.2629% | 6,619 |
| Net interest margin | 3.6078% | 4,049 |
| Noninterest income to average assets | 0.3086% | 5,244 |
| Noninterest expense to average assets | 2.1955% | 5,931 |
| Loan and lease loss provision to assets | 0.2131% | 3,015 |
| Net operating income to assets | 1.1005% | 1,935 |
| Return on assets (ROA) | 1.1005% | 2,121 |
| Pretax return on assets | 1.1146% | 3,108 |
| Return on Equity (ROE) | 7.8475% | 3,153 |
| Retained earnings to average equity (ytd only) | 2.0387% | 4,792 |
| Net charge-offs to loans | 0.2279% | 3,570 |
| Credit loss provision to net charge-offs | 156.3218% | 1,729 |
| Earnings coverage of net charge-offs (x) | 9.7414% | 2,231 |
| Efficiency ratio | 61.4051% | 5,331 |
| Assets per employee ($millions) | 5.9405% | 1,327 |
| Cash dividends to net income (ytd only)* | 74.0214% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 4,226 |
| Loan loss allowance to noncurrent loans | 143.9620% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 4,424 |
| Noncurrent loans to loans | 0.9638% | 4,270 |
| Net loans and leases to total assets | 57.7002% | 4,028 |
| Net loans and leases to deposits | 67.1777% | 4,108 |
| Net loans and leases to core deposits | 68.1848% | 4,515 |
| Total domestic deposits to total assets | 85.8919% | 3,406 |
| Equity capital to assets | 13.8640% | 1,097 |
| Core capital (leverage) ratio | 8.1298% | 6,059 |
| Tier 1 risk-based capital ratio | 12.9437% | 5,147 |
| Total risk-based capital ratio | 14.1954% | 5,090 |
| Memoranda: | ||
| Average total assets | $127,669,200 | 4,199 |
| Average earning assets | $113,752,600 | 4,255 |
| Average equity | $17,903,800 | 3,486 |
| Average total loans | $76,339,200 | 4,142 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 5,717 |
| Cost of funding earning assets | 0.2738% | 6,717 |
| Net interest margin | 3.6558% | 3,982 |
| Noninterest income to average assets | 0.2984% | 5,389 |
| Noninterest expense to average assets | 2.2251% | 5,892 |
| Loan and lease loss provision to assets | 0.2227% | 2,836 |
| Net operating income to assets | 1.0905% | 2,127 |
| Return on assets (ROA) | 1.0905% | 2,321 |
| Pretax return on assets | 1.1052% | 3,336 |
| Return on Equity (ROE) | 7.7533% | 3,394 |
| Retained earnings to average equity (ytd only) | 1.4789% | 5,593 |
| Net charge-offs to loans | 0.2411% | 3,278 |
| Credit loss provision to net charge-offs | 153.6232% | 1,835 |
| Earnings coverage of net charge-offs (x) | 9.1592% | 2,361 |
| Efficiency ratio | 61.4134% | 5,242 |
| Assets per employee ($millions) | 5.8135% | 1,364 |
| Cash dividends to net income (ytd only)* | 80.9244% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,612 |
| Loan loss allowance to noncurrent loans | 118.7858% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.9453% | 4,396 |
| Noncurrent loans to loans | 1.1312% | 4,167 |
| Net loans and leases to total assets | 59.5315% | 3,875 |
| Net loans and leases to deposits | 69.4540% | 3,972 |
| Net loans and leases to core deposits | 70.9372% | 4,384 |
| Total domestic deposits to total assets | 85.7135% | 3,404 |
| Equity capital to assets | 14.0535% | 1,137 |
| Core capital (leverage) ratio | 8.1961% | 6,150 |
| Tier 1 risk-based capital ratio | 12.6495% | 5,526 |
| Total risk-based capital ratio | 13.9004% | 5,483 |
| Memoranda: | ||
| Average total assets | $126,913,750 | 4,254 |
| Average earning assets | $112,986,500 | 4,316 |
| Average equity | $17,850,000 | 3,525 |
| Average total loans | $76,306,500 | 4,191 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9496% | 5,783 |
| Cost of funding earning assets | 0.2860% | 6,782 |
| Net interest margin | 3.6635% | 3,977 |
| Noninterest income to average assets | 0.2970% | 5,428 |
| Noninterest expense to average assets | 2.2657% | 5,829 |
| Loan and lease loss provision to assets | 0.1896% | 3,204 |
| Net operating income to assets | 1.0854% | 2,103 |
| Return on assets (ROA) | 1.0854% | 2,323 |
| Pretax return on assets | 1.0996% | 3,303 |
| Return on Equity (ROE) | 7.7153% | 3,392 |
| Retained earnings to average equity (ytd only) | 0.2471% | 5,962 |
| Net charge-offs to loans | 0.3894% | 2,461 |
| Credit loss provision to net charge-offs | 81.0811% | 3,289 |
| Earnings coverage of net charge-offs (x) | 5.5135% | 2,818 |
| Efficiency ratio | 61.9111% | 5,265 |
| Assets per employee ($millions) | 5.5563% | 1,572 |
| Cash dividends to net income (ytd only)* | 96.7977% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 5,300 |
| Loan loss allowance to noncurrent loans | 108.7209% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.0110% | 4,351 |
| Noncurrent loans to loans | 1.1144% | 4,292 |
| Net loans and leases to total assets | 59.6549% | 3,886 |
| Net loans and leases to deposits | 69.5007% | 3,967 |
| Net loans and leases to core deposits | 70.9819% | 4,416 |
| Total domestic deposits to total assets | 85.8336% | 3,435 |
| Equity capital to assets | 13.9325% | 1,127 |
| Core capital (leverage) ratio | 8.0022% | 6,273 |
| Tier 1 risk-based capital ratio | 12.3417% | 5,690 |
| Total risk-based capital ratio | 13.5627% | 5,691 |
| Memoranda: | ||
| Average total assets | $126,586,000 | 4,278 |
| Average earning assets | $112,569,670 | 4,345 |
| Average equity | $17,808,670 | 3,523 |
| Average total loans | $76,016,670 | 4,221 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 5,687 |
| Cost of funding earning assets | 0.3034% | 6,833 |
| Net interest margin | 3.7226% | 3,720 |
| Noninterest income to average assets | 0.2794% | 5,630 |
| Noninterest expense to average assets | 2.2988% | 5,772 |
| Loan and lease loss provision to assets | 0.1905% | 3,044 |
| Net operating income to assets | 1.0890% | 2,144 |
| Return on assets (ROA) | 1.0890% | 2,324 |
| Pretax return on assets | 1.1017% | 3,317 |
| Return on Equity (ROE) | 7.7033% | 3,409 |
| Retained earnings to average equity (ytd only) | 0.4043% | 5,866 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1574% | 5,255 |
| Assets per employee ($millions) | 5.7872% | 1,442 |
| Cash dividends to net income (ytd only)* | 94.7522% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 4,792 |
| Loan loss allowance to noncurrent loans | 103.0211% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 1.1114% | 4,271 |
| Noncurrent loans to loans | 1.3132% | 4,147 |
| Net loans and leases to total assets | 58.5867% | 3,943 |
| Net loans and leases to deposits | 68.2633% | 4,016 |
| Net loans and leases to core deposits | 69.8525% | 4,443 |
| Total domestic deposits to total assets | 85.8246% | 3,628 |
| Equity capital to assets | 13.9798% | 1,031 |
| Core capital (leverage) ratio | 8.0595% | 6,200 |
| Tier 1 risk-based capital ratio | 12.6556% | 5,482 |
| Total risk-based capital ratio | 13.9070% | 5,444 |
| Memoranda: | ||
| Average total assets | $125,981,500 | 4,326 |
| Average earning assets | $112,072,000 | 4,383 |
| Average equity | $17,810,500 | 3,527 |
| Average total loans | $75,439,500 | 4,260 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 5,215 |
| Cost of funding earning assets | 0.4368% | 6,776 |
| Net interest margin | 4.0245% | 2,764 |
| Noninterest income to average assets | 0.2575% | 5,693 |
| Noninterest expense to average assets | 2.4657% | 5,581 |
| Loan and lease loss provision to assets | 0.4693% | 2,254 |
| Net operating income to assets | 0.8355% | 2,893 |
| Return on assets (ROA) | 0.8355% | 3,053 |
| Pretax return on assets | 0.8322% | 3,859 |
| Return on Equity (ROE) | 5.8518% | 3,944 |
| Retained earnings to average equity (ytd only) | 0.9848% | 5,399 |
| Net charge-offs to loans | 0.3579% | 3,612 |
| Credit loss provision to net charge-offs | 206.4748% | 1,204 |
| Earnings coverage of net charge-offs (x) | 5.7266% | 2,699 |
| Efficiency ratio | 63.6502% | 5,186 |
| Assets per employee ($millions) | 5.6656% | 1,466 |
| Cash dividends to net income (ytd only)* | 83.1703% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 5,024 |
| Loan loss allowance to noncurrent loans | 89.8321% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.2018% | 4,233 |
| Noncurrent loans to loans | 1.4243% | 4,026 |
| Net loans and leases to total assets | 59.6106% | 4,057 |
| Net loans and leases to deposits | 69.7538% | 4,148 |
| Net loans and leases to core deposits | 71.2849% | 4,620 |
| Total domestic deposits to total assets | 85.4586% | 3,617 |
| Equity capital to assets | 14.2983% | 971 |
| Core capital (leverage) ratio | 8.2545% | 5,920 |
| Tier 1 risk-based capital ratio | 12.6991% | 5,307 |
| Total risk-based capital ratio | 13.9492% | 5,284 |
| Memoranda: | ||
| Average total assets | $122,319,400 | 4,337 |
| Average earning assets | $106,672,800 | 4,487 |
| Average equity | $17,464,600 | 3,508 |
| Average total loans | $77,671,000 | 4,222 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 5,086 |
| Cost of funding earning assets | 0.4629% | 6,844 |
| Net interest margin | 4.0865% | 2,527 |
| Noninterest income to average assets | 0.3220% | 5,292 |
| Noninterest expense to average assets | 2.5968% | 5,087 |
| Loan and lease loss provision to assets | 0.5848% | 1,682 |
| Net operating income to assets | 0.6988% | 3,627 |
| Return on assets (ROA) | 0.6988% | 3,797 |
| Pretax return on assets | 0.6889% | 4,518 |
| Return on Equity (ROE) | 4.8958% | 4,574 |
| Retained earnings to average equity (ytd only) | -0.4374% | 6,058 |
| Net charge-offs to loans | 0.3083% | 3,553 |
| Credit loss provision to net charge-offs | 295.0276% | 972 |
| Earnings coverage of net charge-offs (x) | 6.4254% | 2,552 |
| Efficiency ratio | 65.3367% | 4,836 |
| Assets per employee ($millions) | 5.3407% | 1,760 |
| Cash dividends to net income (ytd only)* | 108.9332% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,939 |
| Loan loss allowance to noncurrent loans | 72.9614% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 2.6646% | 2,428 |
| Noncurrent loans to loans | 1.8023% | 3,638 |
| Net loans and leases to total assets | 62.3177% | 3,645 |
| Net loans and leases to deposits | 73.0141% | 3,807 |
| Net loans and leases to core deposits | 74.5043% | 4,380 |
| Total domestic deposits to total assets | 85.3503% | 3,583 |
| Equity capital to assets | 14.3371% | 1,046 |
| Core capital (leverage) ratio | 8.0590% | 6,331 |
| Tier 1 risk-based capital ratio | 11.9139% | 5,954 |
| Total risk-based capital ratio | 13.0887% | 5,996 |
| Memoranda: | ||
| Average total assets | $121,738,250 | 4,370 |
| Average earning assets | $105,710,000 | 4,532 |
| Average equity | $17,375,250 | 3,530 |
| Average total loans | $78,272,750 | 4,236 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 4,992 |
| Cost of funding earning assets | 0.4972% | 6,850 |
| Net interest margin | 4.0959% | 2,424 |
| Noninterest income to average assets | 0.2900% | 5,554 |
| Noninterest expense to average assets | 2.5459% | 5,374 |
| Loan and lease loss provision to assets | 0.7811% | 1,189 |
| Net operating income to assets | 0.5273% | 4,387 |
| Return on assets (ROA) | 0.5273% | 4,531 |
| Pretax return on assets | 0.5059% | 5,054 |
| Return on Equity (ROE) | 3.7001% | 5,063 |
| Retained earnings to average equity (ytd only) | -1.7344% | 6,203 |
| Net charge-offs to loans | 0.2471% | 3,641 |
| Credit loss provision to net charge-offs | 488.6598% | 636 |
| Earnings coverage of net charge-offs (x) | 8.0515% | 2,125 |
| Efficiency ratio | 64.6604% | 5,116 |
| Assets per employee ($millions) | 5.1171% | 1,972 |
| Cash dividends to net income (ytd only)* | 146.8750% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 4,854 |
| Loan loss allowance to noncurrent loans | 60.9813% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 2.9615% | 2,262 |
| Noncurrent loans to loans | 2.2066% | 3,217 |
| Net loans and leases to total assets | 62.3259% | 3,823 |
| Net loans and leases to deposits | 72.8391% | 3,975 |
| Net loans and leases to core deposits | 75.7649% | 4,344 |
| Total domestic deposits to total assets | 85.5664% | 3,586 |
| Equity capital to assets | 14.1624% | 1,041 |
| Core capital (leverage) ratio | 7.9603% | 6,347 |
| Tier 1 risk-based capital ratio | 11.7379% | 5,983 |
| Total risk-based capital ratio | 12.9891% | 5,984 |
| Memoranda: | ||
| Average total assets | $121,372,670 | 4,409 |
| Average earning assets | $104,983,670 | 4,585 |
| Average equity | $17,296,670 | 3,527 |
| Average total loans | $78,507,670 | 4,270 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6767% | 4,623 |
| Cost of funding earning assets | 0.5325% | 6,854 |
| Net interest margin | 4.1442% | 2,101 |
| Noninterest income to average assets | 0.2884% | 5,610 |
| Noninterest expense to average assets | 2.4898% | 5,589 |
| Loan and lease loss provision to assets | 1.3725% | 485 |
| Net operating income to assets | 0.0464% | 6,243 |
| Return on assets (ROA) | 0.0464% | 6,284 |
| Pretax return on assets | -0.0133% | 6,370 |
| Return on Equity (ROE) | 0.3247% | 6,300 |
| Retained earnings to average equity (ytd only) | -6.5165% | 6,640 |
| Net charge-offs to loans | 0.2077% | 3,266 |
| Credit loss provision to net charge-offs | 1,009.7561% | 371 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,669 |
| Efficiency ratio | 62.8768% | 5,543 |
| Assets per employee ($millions) | 5.0299% | 2,122 |
| Cash dividends to net income (ytd only)* | 2,107.1429% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 5,009 |
| Loan loss allowance to noncurrent loans | 69.5187% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.6095% | 3,830 |
| Noncurrent loans to loans | 1.9064% | 3,694 |
| Net loans and leases to total assets | 64.1434% | 3,413 |
| Net loans and leases to deposits | 74.9286% | 3,605 |
| Net loans and leases to core deposits | 78.1810% | 3,992 |
| Total domestic deposits to total assets | 85.6060% | 3,730 |
| Equity capital to assets | 14.1645% | 959 |
| Core capital (leverage) ratio | 7.7701% | 6,490 |
| Tier 1 risk-based capital ratio | 11.6751% | 5,958 |
| Total risk-based capital ratio | 12.9265% | 5,950 |
| Memoranda: | ||
| Average total assets | $120,653,500 | 4,458 |
| Average earning assets | $103,662,000 | 4,642 |
| Average equity | $17,248,500 | 3,529 |
| Average total loans | $78,968,000 | 4,293 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 5,028 |
| Cost of funding earning assets | 0.7819% | 6,639 |
| Net interest margin | 4.1188% | 2,486 |
| Noninterest income to average assets | 0.3711% | 5,128 |
| Noninterest expense to average assets | 2.6120% | 5,364 |
| Loan and lease loss provision to assets | 0.4272% | 3,553 |
| Net operating income to assets | 0.9005% | 2,383 |
| Return on assets (ROA) | 0.9005% | 2,517 |
| Pretax return on assets | 0.9064% | 3,261 |
| Return on Equity (ROE) | 6.2209% | 3,504 |
| Retained earnings to average equity (ytd only) | 1.4178% | 4,821 |
| Net charge-offs to loans | 0.8575% | 2,491 |
| Credit loss provision to net charge-offs | 72.7532% | 5,796 |
| Earnings coverage of net charge-offs (x) | 2.2710% | 4,022 |
| Efficiency ratio | 64.4374% | 5,278 |
| Assets per employee ($millions) | 4.8236% | 2,397 |
| Cash dividends to net income (ytd only)* | 77.2093% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 6,883 |
| Loan loss allowance to noncurrent loans | 35.5354% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 1.8849% | 3,506 |
| Noncurrent loans to loans | 2.3621% | 3,160 |
| Net loans and leases to total assets | 65.3429% | 3,596 |
| Net loans and leases to deposits | 76.6896% | 3,734 |
| Net loans and leases to core deposits | 79.6823% | 4,254 |
| Total domestic deposits to total assets | 85.2044% | 3,750 |
| Equity capital to assets | 14.4274% | 922 |
| Core capital (leverage) ratio | 8.2264% | 5,793 |
| Tier 1 risk-based capital ratio | 11.3226% | 6,071 |
| Total risk-based capital ratio | 12.1506% | 6,386 |
| Memoranda: | ||
| Average total assets | $119,372,000 | 4,495 |
| Average earning assets | $103,598,200 | 4,617 |
| Average equity | $17,280,400 | 3,542 |
| Average total loans | $81,749,800 | 4,292 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 5,197 |
| Cost of funding earning assets | 0.8211% | 6,683 |
| Net interest margin | 4.0943% | 2,648 |
| Noninterest income to average assets | 0.3371% | 5,468 |
| Noninterest expense to average assets | 2.6315% | 5,190 |
| Loan and lease loss provision to assets | 0.4143% | 3,420 |
| Net operating income to assets | 0.8734% | 2,718 |
| Return on assets (ROA) | 0.8734% | 2,854 |
| Pretax return on assets | 0.8813% | 3,620 |
| Return on Equity (ROE) | 6.0285% | 3,797 |
| Retained earnings to average equity (ytd only) | 1.0048% | 5,410 |
| Net charge-offs to loans | 0.5636% | 3,062 |
| Credit loss provision to net charge-offs | 106.3218% | 4,020 |
| Earnings coverage of net charge-offs (x) | 3.3247% | 3,491 |
| Efficiency ratio | 65.2409% | 5,011 |
| Assets per employee ($millions) | 5.0303% | 2,138 |
| Cash dividends to net income (ytd only)* | 83.3341% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 6,013 |
| Loan loss allowance to noncurrent loans | 34.5233% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 2.4601% | 2,904 |
| Noncurrent loans to loans | 3.1316% | 2,547 |
| Net loans and leases to total assets | 66.6934% | 3,529 |
| Net loans and leases to deposits | 78.2364% | 3,786 |
| Net loans and leases to core deposits | 82.0463% | 4,242 |
| Total domestic deposits to total assets | 85.2461% | 3,495 |
| Equity capital to assets | 14.3414% | 1,070 |
| Core capital (leverage) ratio | 7.9744% | 6,383 |
| Tier 1 risk-based capital ratio | 10.8755% | 6,488 |
| Total risk-based capital ratio | 11.9393% | 6,629 |
| Memoranda: | ||
| Average total assets | $119,067,500 | 4,558 |
| Average earning assets | $104,403,750 | 4,658 |
| Average equity | $17,251,000 | 3,600 |
| Average total loans | $82,321,250 | 4,338 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 5,053 |
| Cost of funding earning assets | 0.8771% | 6,661 |
| Net interest margin | 4.0983% | 2,567 |
| Noninterest income to average assets | 0.3223% | 5,577 |
| Noninterest expense to average assets | 2.6849% | 4,972 |
| Loan and lease loss provision to assets | 0.2025% | 4,848 |
| Net operating income to assets | 1.0108% | 2,151 |
| Return on assets (ROA) | 1.0108% | 2,226 |
| Pretax return on assets | 1.0227% | 3,034 |
| Return on Equity (ROE) | 6.9530% | 3,322 |
| Retained earnings to average equity (ytd only) | 1.7295% | 5,006 |
| Net charge-offs to loans | 0.0436% | 5,770 |
| Credit loss provision to net charge-offs | 666.6667% | 557 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 725 |
| Efficiency ratio | 66.8968% | 4,789 |
| Assets per employee ($millions) | 5.2455% | 1,872 |
| Cash dividends to net income (ytd only)* | 75.1252% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 5,455 |
| Loan loss allowance to noncurrent loans | 29.0909% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 4.2579% | 1,573 |
| Noncurrent loans to loans | 4.1293% | 1,812 |
| Net loans and leases to total assets | 65.4446% | 3,949 |
| Net loans and leases to deposits | 76.7706% | 4,190 |
| Net loans and leases to core deposits | 80.1806% | 4,675 |
| Total domestic deposits to total assets | 85.2470% | 3,491 |
| Equity capital to assets | 14.3468% | 1,051 |
| Core capital (leverage) ratio | 8.0382% | 6,222 |
| Tier 1 risk-based capital ratio | 10.8432% | 6,406 |
| Total risk-based capital ratio | 12.0002% | 6,469 |
| Memoranda: | ||
| Average total assets | $118,514,330 | 4,606 |
| Average earning assets | $103,749,330 | 4,702 |
| Average equity | $17,230,000 | 3,599 |
| Average total loans | $82,629,330 | 4,361 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0243% | 4,909 |
| Cost of funding earning assets | 0.9040% | 6,756 |
| Net interest margin | 4.1203% | 2,353 |
| Noninterest income to average assets | 0.3167% | 5,613 |
| Noninterest expense to average assets | 2.7144% | 4,840 |
| Loan and lease loss provision to assets | 0.2043% | 4,456 |
| Net operating income to assets | 1.0013% | 2,181 |
| Return on assets (ROA) | 1.0013% | 2,248 |
| Pretax return on assets | 1.0149% | 3,034 |
| Return on Equity (ROE) | 6.8410% | 3,424 |
| Retained earnings to average equity (ytd only) | 0.9075% | 5,451 |
| Net charge-offs to loans | 0.0953% | 4,458 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 17.9000% | 1,254 |
| Efficiency ratio | 67.1861% | 4,881 |
| Assets per employee ($millions) | 4.7424% | 2,579 |
| Cash dividends to net income (ytd only)* | 86.7347% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 6,121 |
| Loan loss allowance to noncurrent loans | 17.5940% | 7,125 |
| Noncurrent assets plus other real estate owned to assets | 4.3050% | 1,580 |
| Noncurrent loans to loans | 6.1137% | 1,064 |
| Net loans and leases to total assets | 69.6570% | 3,019 |
| Net loans and leases to deposits | 81.8112% | 3,313 |
| Net loans and leases to core deposits | 85.3955% | 3,980 |
| Total domestic deposits to total assets | 85.1435% | 3,588 |
| Equity capital to assets | 14.5115% | 997 |
| Core capital (leverage) ratio | 8.1513% | 5,991 |
| Tier 1 risk-based capital ratio | 10.4479% | 6,680 |
| Total risk-based capital ratio | 11.5062% | 6,839 |
| Memoranda: | ||
| Average total assets | $117,448,000 | 4,683 |
| Average earning assets | $103,099,000 | 4,781 |
| Average equity | $17,190,500 | 3,624 |
| Average total loans | $83,985,500 | 4,384 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3009% | 5,168 |
| Cost of funding earning assets | 1.3028% | 6,299 |
| Net interest margin | 3.9981% | 2,872 |
| Noninterest income to average assets | 0.3457% | 5,617 |
| Noninterest expense to average assets | 2.7732% | 5,076 |
| Loan and lease loss provision to assets | 0.1497% | 6,166 |
| Net operating income to assets | 0.9181% | 2,112 |
| Return on assets (ROA) | 0.9181% | 2,181 |
| Pretax return on assets | 0.9310% | 2,822 |
| Return on Equity (ROE) | 6.3138% | 3,071 |
| Retained earnings to average equity (ytd only) | 1.7770% | 3,848 |
| Net charge-offs to loans | 0.0436% | 6,672 |
| Credit loss provision to net charge-offs | 486.1111% | 630 |
| Earnings coverage of net charge-offs (x) | 35.0833% | 673 |
| Efficiency ratio | 70.1155% | 4,599 |
| Assets per employee ($millions) | 4.4744% | 2,971 |
| Cash dividends to net income (ytd only)* | 71.8546% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 6,288 |
| Loan loss allowance to noncurrent loans | 19.9303% | 7,064 |
| Noncurrent assets plus other real estate owned to assets | 4.4784% | 1,440 |
| Noncurrent loans to loans | 5.0955% | 1,317 |
| Net loans and leases to total assets | 71.8864% | 2,774 |
| Net loans and leases to deposits | 84.7631% | 3,127 |
| Net loans and leases to core deposits | 97.8701% | 4,233 |
| Total domestic deposits to total assets | 84.8085% | 3,645 |
| Equity capital to assets | 14.7643% | 959 |
| Core capital (leverage) ratio | 8.2146% | 5,785 |
| Tier 1 risk-based capital ratio | 10.2961% | 6,592 |
| Total risk-based capital ratio | 11.2995% | 6,798 |
| Memoranda: | ||
| Average total assets | $116,866,800 | 4,663 |
| Average earning assets | $102,548,800 | 4,775 |
| Average equity | $16,994,600 | 3,672 |
| Average total loans | $82,536,000 | 4,428 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 5,397 |
| Cost of funding earning assets | 1.3988% | 6,238 |
| Net interest margin | 3.9059% | 3,219 |
| Noninterest income to average assets | 0.3578% | 5,634 |
| Noninterest expense to average assets | 2.7635% | 5,049 |
| Loan and lease loss provision to assets | 0.0855% | 6,511 |
| Net operating income to assets | 0.9299% | 2,308 |
| Return on assets (ROA) | 0.9299% | 2,375 |
| Pretax return on assets | 0.9424% | 3,087 |
| Return on Equity (ROE) | 6.4190% | 3,341 |
| Retained earnings to average equity (ytd only) | 1.3609% | 4,557 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0249% | 4,419 |
| Assets per employee ($millions) | 4.4360% | 2,966 |
| Cash dividends to net income (ytd only)* | 78.7990% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 6,492 |
| Loan loss allowance to noncurrent loans | 18.8330% | 7,150 |
| Noncurrent assets plus other real estate owned to assets | 3.6554% | 1,792 |
| Noncurrent loans to loans | 5.0928% | 1,275 |
| Net loans and leases to total assets | 71.0877% | 3,249 |
| Net loans and leases to deposits | 83.9922% | 3,643 |
| Net loans and leases to core deposits | 95.7223% | 4,835 |
| Total domestic deposits to total assets | 84.6361% | 3,414 |
| Equity capital to assets | 14.7891% | 1,069 |
| Core capital (leverage) ratio | 7.9166% | 6,478 |
| Tier 1 risk-based capital ratio | 10.7713% | 6,194 |
| Total risk-based capital ratio | 11.7597% | 6,411 |
| Memoranda: | ||
| Average total assets | $116,999,750 | 4,672 |
| Average earning assets | $102,849,750 | 4,792 |
| Average equity | $16,949,250 | 3,714 |
| Average total loans | $82,048,250 | 4,482 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3350% | 5,473 |
| Cost of funding earning assets | 1.5171% | 6,068 |
| Net interest margin | 3.8179% | 3,469 |
| Noninterest income to average assets | 0.3726% | 5,527 |
| Noninterest expense to average assets | 2.7698% | 5,092 |
| Loan and lease loss provision to assets | 0.0510% | 6,717 |
| Net operating income to assets | 0.8881% | 2,502 |
| Return on assets (ROA) | 0.8881% | 2,611 |
| Pretax return on assets | 0.9000% | 3,338 |
| Return on Equity (ROE) | 6.1726% | 3,572 |
| Retained earnings to average equity (ytd only) | 0.4612% | 5,030 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5652% | 4,285 |
| Assets per employee ($millions) | 4.5237% | 2,730 |
| Cash dividends to net income (ytd only)* | 92.5287% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 6,632 |
| Loan loss allowance to noncurrent loans | 47.1662% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 1.3502% | 4,255 |
| Noncurrent loans to loans | 1.9772% | 3,553 |
| Net loans and leases to total assets | 67.6490% | 4,223 |
| Net loans and leases to deposits | 79.5612% | 4,610 |
| Net loans and leases to core deposits | 89.5116% | 5,572 |
| Total domestic deposits to total assets | 85.0275% | 3,246 |
| Equity capital to assets | 14.3900% | 1,195 |
| Core capital (leverage) ratio | 7.3828% | 7,150 |
| Tier 1 risk-based capital ratio | 10.4930% | 6,383 |
| Total risk-based capital ratio | 11.4179% | 6,682 |
| Memoranda: | ||
| Average total assets | $117,554,670 | 4,698 |
| Average earning assets | $103,092,000 | 4,812 |
| Average equity | $16,913,330 | 3,729 |
| Average total loans | $81,803,330 | 4,532 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5542% | 4,614 |
| Cost of funding earning assets | 1.6315% | 5,899 |
| Net interest margin | 3.9227% | 2,963 |
| Noninterest income to average assets | 0.3404% | 5,734 |
| Noninterest expense to average assets | 2.6752% | 5,122 |
| Loan and lease loss provision to assets | 0.0511% | 6,325 |
| Net operating income to assets | 1.0211% | 2,226 |
| Return on assets (ROA) | 1.0211% | 2,366 |
| Pretax return on assets | 1.0347% | 3,229 |
| Return on Equity (ROE) | 7.0974% | 3,556 |
| Retained earnings to average equity (ytd only) | 0.5915% | 5,419 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 4,731 |
| Assets per employee ($millions) | 4.6877% | 2,455 |
| Cash dividends to net income (ytd only)* | 91.6667% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 6,715 |
| Loan loss allowance to noncurrent loans | 268.8645% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 6,858 |
| Noncurrent loans to loans | 0.3374% | 6,586 |
| Net loans and leases to total assets | 65.7863% | 4,636 |
| Net loans and leases to deposits | 76.8245% | 5,110 |
| Net loans and leases to core deposits | 90.5734% | 5,503 |
| Total domestic deposits to total assets | 85.6319% | 2,908 |
| Equity capital to assets | 13.8693% | 1,402 |
| Core capital (leverage) ratio | 7.5875% | 7,043 |
| Tier 1 risk-based capital ratio | 10.4136% | 6,484 |
| Total risk-based capital ratio | 11.3169% | 6,755 |
| Memoranda: | ||
| Average total assets | $117,524,000 | 4,715 |
| Average earning assets | $102,481,500 | 4,847 |
| Average equity | $16,907,500 | 3,747 |
| Average total loans | $82,547,500 | 4,541 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9490% | 5,816 |
| Cost of funding earning assets | 1.9112% | 6,696 |
| Net interest margin | 4.0378% | 2,950 |
| Noninterest income to average assets | 0.3421% | 6,000 |
| Noninterest expense to average assets | 2.7678% | 4,967 |
| Loan and lease loss provision to assets | 0.0135% | 7,198 |
| Net operating income to assets | 1.0048% | 2,537 |
| Return on assets (ROA) | 1.0048% | 2,424 |
| Pretax return on assets | 1.0210% | 3,310 |
| Return on Equity (ROE) | 6.7223% | 3,664 |
| Retained earnings to average equity (ytd only) | 2.6745% | 3,510 |
| Net charge-offs to loans | 0.0061% | 6,880 |
| Credit loss provision to net charge-offs | 300.0000% | 1,503 |
| Earnings coverage of net charge-offs (x) | 229.8000% | 210 |
| Efficiency ratio | 70.8501% | 4,166 |
| Assets per employee ($millions) | 4.3526% | 2,877 |
| Cash dividends to net income (ytd only)* | 60.2151% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 6,880 |
| Loan loss allowance to noncurrent loans | 3,595.0000% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 7,531 |
| Noncurrent loans to loans | 0.0238% | 7,421 |
| Net loans and leases to total assets | 73.7503% | 3,171 |
| Net loans and leases to deposits | 87.3105% | 3,889 |
| Net loans and leases to core deposits | 96.7126% | 5,178 |
| Total domestic deposits to total assets | 84.4690% | 3,093 |
| Equity capital to assets | 14.9434% | 1,174 |
| Core capital (leverage) ratio | 8.0643% | 6,385 |
| Tier 1 risk-based capital ratio | 10.1303% | 6,595 |
| Total risk-based capital ratio | 10.9959% | 6,927 |
| Memoranda: | ||
| Average total assets | $111,064,800 | 4,750 |
| Average earning assets | $95,175,200 | 4,947 |
| Average equity | $16,601,400 | 3,809 |
| Average total loans | $81,889,800 | 4,455 |