Home > Highlands Community Bank > Performance and Condition Ratios
Highlands Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 2,784 |
| Cost of funding earning assets | 1.1526% | 2,928 |
| Net interest margin | 3.4976% | 2,186 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.8472% | 1,398 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.4990% | 3,669 |
| Return on assets (ROA) | 0.5062% | 3,651 |
| Pretax return on assets | 0.6029% | 3,628 |
| Return on Equity (ROE) | 6.4500% | 3,435 |
| Retained earnings to average equity (ytd only) | 0.6539% | 3,916 |
| Net charge-offs to loans | 0.4026% | 257 |
| Credit loss provision to net charge-offs | 112.0567% | 1,742 |
| Earnings coverage of net charge-offs (x) | 4.0402% | 2,613 |
| Efficiency ratio | 76.8020% | 1,184 |
| Assets per employee ($millions) | 6.4329% | 2,458 |
| Cash dividends to net income (ytd only)* | 89.8608% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,312 |
| Loan loss allowance to noncurrent loans | 90.8192% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7266% | 711 |
| Noncurrent loans to loans | 1.3182% | 527 |
| Net loans and leases to total assets | 53.2200% | 3,405 |
| Net loans and leases to deposits | 58.3864% | 3,611 |
| Net loans and leases to core deposits | 66.3615% | 3,482 |
| Total domestic deposits to total assets | 91.1600% | 462 |
| Equity capital to assets | 8.4907% | 3,062 |
| Core capital (leverage) ratio | 11.5990% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $198,722,400 | 3,001 |
| Average earning assets | $185,929,400 | 2,968 |
| Average equity | $15,599,800 | 3,215 |
| Average total loans | $105,062,400 | 3,123 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5571% | 2,785 |
| Cost of funding earning assets | 1.0696% | 2,835 |
| Net interest margin | 3.4875% | 2,239 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.8936% | 1,239 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 0.4676% | 3,831 |
| Return on assets (ROA) | 0.4768% | 3,815 |
| Pretax return on assets | 0.5641% | 3,798 |
| Return on Equity (ROE) | 6.2000% | 3,605 |
| Retained earnings to average equity (ytd only) | -1.6943% | 4,302 |
| Net charge-offs to loans | 0.4428% | 190 |
| Credit loss provision to net charge-offs | 104.0346% | 1,592 |
| Earnings coverage of net charge-offs (x) | 3.4438% | 2,437 |
| Efficiency ratio | 78.2885% | 991 |
| Assets per employee ($millions) | 6.2293% | 2,542 |
| Cash dividends to net income (ytd only)* | 127.3239% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 2,541 |
| Loan loss allowance to noncurrent loans | 98.8124% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 881 |
| Noncurrent loans to loans | 1.1791% | 667 |
| Net loans and leases to total assets | 53.1100% | 3,416 |
| Net loans and leases to deposits | 57.4157% | 3,637 |
| Net loans and leases to core deposits | 64.2501% | 3,514 |
| Total domestic deposits to total assets | 92.5000% | 373 |
| Equity capital to assets | 7.1261% | 3,554 |
| Core capital (leverage) ratio | 11.3924% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $198,548,250 | 3,009 |
| Average earning assets | $185,611,500 | 2,983 |
| Average equity | $15,266,750 | 3,230 |
| Average total loans | $104,472,500 | 3,131 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 2,749 |
| Cost of funding earning assets | 0.9675% | 2,712 |
| Net interest margin | 3.4894% | 2,290 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.6578% | 1,759 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 0.6543% | 3,449 |
| Return on assets (ROA) | 0.6677% | 3,419 |
| Pretax return on assets | 0.8039% | 3,391 |
| Return on Equity (ROE) | 8.4800% | 3,117 |
| Retained earnings to average equity (ytd only) | -3.0985% | 4,350 |
| Net charge-offs to loans | 0.5309% | 155 |
| Credit loss provision to net charge-offs | 90.9091% | 1,501 |
| Earnings coverage of net charge-offs (x) | 3.7491% | 2,251 |
| Efficiency ratio | 71.8767% | 1,571 |
| Assets per employee ($millions) | 6.6207% | 2,193 |
| Cash dividends to net income (ytd only)* | 136.5559% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 2,710 |
| Loan loss allowance to noncurrent loans | 79.5918% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 652 |
| Noncurrent loans to loans | 1.4442% | 474 |
| Net loans and leases to total assets | 52.3500% | 3,381 |
| Net loans and leases to deposits | 57.4592% | 3,563 |
| Net loans and leases to core deposits | 64.2979% | 3,432 |
| Total domestic deposits to total assets | 91.1000% | 621 |
| Equity capital to assets | 7.8844% | 3,286 |
| Core capital (leverage) ratio | 11.7374% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $198,285,333 | 3,014 |
| Average earning assets | $185,417,333 | 2,993 |
| Average equity | $15,620,667 | 3,221 |
| Average total loans | $103,590,667 | 3,135 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 2,496 |
| Cost of funding earning assets | 0.8633% | 2,496 |
| Net interest margin | 3.5572% | 2,228 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.6368% | 1,856 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 0.7693% | 3,300 |
| Return on assets (ROA) | 0.7955% | 3,157 |
| Pretax return on assets | 0.9812% | 3,047 |
| Return on Equity (ROE) | 10.1000% | 2,757 |
| Retained earnings to average equity (ytd only) | -13.0504% | 4,526 |
| Net charge-offs to loans | 0.3969% | 201 |
| Credit loss provision to net charge-offs | 88.2353% | 1,182 |
| Earnings coverage of net charge-offs (x) | 5.4902% | 1,812 |
| Efficiency ratio | 69.9893% | 1,750 |
| Assets per employee ($millions) | 6.7474% | 2,151 |
| Cash dividends to net income (ytd only)* | 229.1878% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 2,593 |
| Loan loss allowance to noncurrent loans | 71.2704% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.9219% | 472 |
| Noncurrent loans to loans | 1.6736% | 374 |
| Net loans and leases to total assets | 51.7700% | 3,359 |
| Net loans and leases to deposits | 56.8447% | 3,523 |
| Net loans and leases to core deposits | 61.5394% | 3,471 |
| Total domestic deposits to total assets | 91.0800% | 773 |
| Equity capital to assets | 8.0440% | 3,212 |
| Core capital (leverage) ratio | 11.2554% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $198,118,000 | 3,053 |
| Average earning assets | $184,864,500 | 3,028 |
| Average equity | $15,601,000 | 3,251 |
| Average total loans | $102,797,000 | 3,177 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 1,091 |
| Cost of funding earning assets | 0.5985% | 907 |
| Net interest margin | 3.6804% | 1,422 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.5288% | 2,029 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.9224% | 2,877 |
| Return on assets (ROA) | 0.9224% | 2,821 |
| Pretax return on assets | 1.1231% | 2,700 |
| Return on Equity (ROE) | 10.4500% | 2,662 |
| Retained earnings to average equity (ytd only) | 5.3323% | 2,903 |
| Net charge-offs to loans | 0.3118% | 242 |
| Credit loss provision to net charge-offs | 106.0127% | 1,522 |
| Earnings coverage of net charge-offs (x) | 8.0538% | 2,278 |
| Efficiency ratio | 66.1614% | 2,211 |
| Assets per employee ($millions) | 6.6854% | 2,193 |
| Cash dividends to net income (ytd only)* | 48.9807% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 2,817 |
| Loan loss allowance to noncurrent loans | 62.0280% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 431 |
| Noncurrent loans to loans | 1.7989% | 332 |
| Net loans and leases to total assets | 50.8100% | 3,448 |
| Net loans and leases to deposits | 55.2401% | 3,614 |
| Net loans and leases to core deposits | 60.4140% | 3,485 |
| Total domestic deposits to total assets | 91.9900% | 643 |
| Equity capital to assets | 7.7094% | 3,245 |
| Core capital (leverage) ratio | 11.5922% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $196,774,400 | 3,060 |
| Average earning assets | $184,461,400 | 3,040 |
| Average equity | $17,366,000 | 3,180 |
| Average total loans | $101,331,400 | 3,136 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 814 |
| Cost of funding earning assets | 0.5900% | 461 |
| Net interest margin | 3.6550% | 1,257 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.5260% | 1,933 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 0.9001% | 2,862 |
| Return on assets (ROA) | 0.9001% | 2,840 |
| Pretax return on assets | 1.0962% | 2,737 |
| Return on Equity (ROE) | 9.8800% | 2,765 |
| Retained earnings to average equity (ytd only) | 3.2357% | 3,716 |
| Net charge-offs to loans | 0.2828% | 233 |
| Credit loss provision to net charge-offs | 114.4860% | 1,244 |
| Earnings coverage of net charge-offs (x) | 8.6682% | 2,037 |
| Efficiency ratio | 66.6667% | 2,197 |
| Assets per employee ($millions) | 6.4165% | 2,395 |
| Cash dividends to net income (ytd only)* | 67.2466% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 2,784 |
| Loan loss allowance to noncurrent loans | 64.6274% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 436 |
| Noncurrent loans to loans | 1.7828% | 363 |
| Net loans and leases to total assets | 50.1200% | 3,448 |
| Net loans and leases to deposits | 54.1425% | 3,591 |
| Net loans and leases to core deposits | 57.8341% | 3,514 |
| Total domestic deposits to total assets | 92.5700% | 692 |
| Equity capital to assets | 7.0574% | 3,480 |
| Core capital (leverage) ratio | 11.0096% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $195,827,750 | 3,091 |
| Average earning assets | $183,962,000 | 3,064 |
| Average equity | $17,842,000 | 3,171 |
| Average total loans | $100,898,500 | 3,144 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1313% | 725 |
| Cost of funding earning assets | 0.5911% | 296 |
| Net interest margin | 3.5402% | 1,205 |
| Noninterest income to average assets | 0.3932% | 2,799 |
| Noninterest expense to average assets | 2.4784% | 2,003 |
| Loan and lease loss provision to assets | 0.1694% | 536 |
| Net operating income to assets | 0.8840% | 2,652 |
| Return on assets (ROA) | 0.8840% | 2,626 |
| Pretax return on assets | 1.0780% | 2,489 |
| Return on Equity (ROE) | 9.0110% | 2,702 |
| Retained earnings to average equity (ytd only) | -0.2930% | 4,216 |
| Net charge-offs to loans | 0.2953% | 236 |
| Credit loss provision to net charge-offs | 110.7383% | 1,222 |
| Earnings coverage of net charge-offs (x) | 8.1544% | 1,829 |
| Efficiency ratio | 66.5197% | 2,439 |
| Assets per employee ($millions) | 6.5346% | 2,286 |
| Cash dividends to net income (ytd only)* | 103.2520% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 3,089 |
| Loan loss allowance to noncurrent loans | 55.1708% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.0426% | 439 |
| Noncurrent loans to loans | 2.0270% | 323 |
| Net loans and leases to total assets | 50.0657% | 3,373 |
| Net loans and leases to deposits | 54.6394% | 3,498 |
| Net loans and leases to core deposits | 58.4513% | 3,393 |
| Total domestic deposits to total assets | 91.6292% | 989 |
| Equity capital to assets | 8.0894% | 3,048 |
| Core capital (leverage) ratio | 10.8690% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,799,667 | 3,126 |
| Average earning assets | $183,380,000 | 3,113 |
| Average equity | $19,110,000 | 3,142 |
| Average total loans | $100,913,667 | 3,173 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 489 |
| Cost of funding earning assets | 0.5974% | 266 |
| Net interest margin | 3.6355% | 838 |
| Noninterest income to average assets | 0.3939% | 2,729 |
| Noninterest expense to average assets | 2.5666% | 1,703 |
| Loan and lease loss provision to assets | 0.1362% | 591 |
| Net operating income to assets | 0.9177% | 2,212 |
| Return on assets (ROA) | 0.9177% | 2,210 |
| Pretax return on assets | 1.1209% | 2,076 |
| Return on Equity (ROE) | 8.5582% | 2,493 |
| Retained earnings to average equity (ytd only) | -8.8123% | 4,541 |
| Net charge-offs to loans | 0.2718% | 236 |
| Credit loss provision to net charge-offs | 95.5882% | 1,059 |
| Earnings coverage of net charge-offs (x) | 8.8235% | 1,505 |
| Efficiency ratio | 67.1233% | 2,616 |
| Assets per employee ($millions) | 6.6726% | 2,242 |
| Cash dividends to net income (ytd only)* | 202.9680% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 3,191 |
| Loan loss allowance to noncurrent loans | 54.8105% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.0806% | 443 |
| Noncurrent loans to loans | 2.0643% | 347 |
| Net loans and leases to total assets | 50.9382% | 3,074 |
| Net loans and leases to deposits | 57.1141% | 3,163 |
| Net loans and leases to core deposits | 61.1214% | 3,051 |
| Total domestic deposits to total assets | 89.1868% | 1,984 |
| Equity capital to assets | 9.4855% | 2,294 |
| Core capital (leverage) ratio | 11.2784% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,912,500 | 3,165 |
| Average earning assets | $180,113,500 | 3,140 |
| Average equity | $20,471,500 | 3,106 |
| Average total loans | $100,087,000 | 3,188 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 804 |
| Cost of funding earning assets | 0.6643% | 391 |
| Net interest margin | 3.6699% | 1,288 |
| Noninterest income to average assets | 0.3535% | 3,324 |
| Noninterest expense to average assets | 2.5253% | 2,110 |
| Loan and lease loss provision to assets | 0.1079% | 1,172 |
| Net operating income to assets | 0.9893% | 2,717 |
| Return on assets (ROA) | 0.9902% | 2,778 |
| Pretax return on assets | 1.2081% | 2,638 |
| Return on Equity (ROE) | 7.9909% | 3,221 |
| Retained earnings to average equity (ytd only) | 4.1561% | 3,164 |
| Net charge-offs to loans | 0.3549% | 238 |
| Credit loss provision to net charge-offs | 52.5606% | 2,119 |
| Earnings coverage of net charge-offs (x) | 6.4070% | 2,401 |
| Efficiency ratio | 65.7591% | 2,293 |
| Assets per employee ($millions) | 6.4938% | 2,338 |
| Cash dividends to net income (ytd only)* | 47.9888% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,249 |
| Loan loss allowance to noncurrent loans | 60.0318% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 521 |
| Noncurrent loans to loans | 1.8750% | 429 |
| Net loans and leases to total assets | 52.7544% | 2,981 |
| Net loans and leases to deposits | 60.1633% | 3,055 |
| Net loans and leases to core deposits | 64.5651% | 2,936 |
| Total domestic deposits to total assets | 87.6853% | 2,206 |
| Equity capital to assets | 11.9945% | 1,252 |
| Core capital (leverage) ratio | 11.7365% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,773,400 | 3,204 |
| Average earning assets | $171,749,800 | 3,167 |
| Average equity | $22,400,600 | 3,024 |
| Average total loans | $104,536,000 | 3,142 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 746 |
| Cost of funding earning assets | 0.6778% | 435 |
| Net interest margin | 3.7688% | 1,184 |
| Noninterest income to average assets | 0.3861% | 3,175 |
| Noninterest expense to average assets | 2.5960% | 1,848 |
| Loan and lease loss provision to assets | 0.1638% | 671 |
| Net operating income to assets | 0.9929% | 2,939 |
| Return on assets (ROA) | 0.9935% | 3,012 |
| Pretax return on assets | 1.2119% | 2,889 |
| Return on Equity (ROE) | 7.9507% | 3,416 |
| Retained earnings to average equity (ytd only) | 2.8272% | 3,956 |
| Net charge-offs to loans | 0.3777% | 205 |
| Credit loss provision to net charge-offs | 73.5786% | 1,741 |
| Earnings coverage of net charge-offs (x) | 6.1706% | 2,189 |
| Efficiency ratio | 65.3716% | 2,190 |
| Assets per employee ($millions) | 6.3529% | 2,373 |
| Cash dividends to net income (ytd only)* | 64.4411% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 3,028 |
| Loan loss allowance to noncurrent loans | 72.5340% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.9890% | 673 |
| Noncurrent loans to loans | 1.6429% | 618 |
| Net loans and leases to total assets | 55.2672% | 2,820 |
| Net loans and leases to deposits | 63.3357% | 2,921 |
| Net loans and leases to core deposits | 67.8866% | 2,787 |
| Total domestic deposits to total assets | 87.2608% | 2,238 |
| Equity capital to assets | 12.2670% | 1,276 |
| Core capital (leverage) ratio | 11.7495% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,886,750 | 3,251 |
| Average earning assets | $170,163,000 | 3,212 |
| Average equity | $22,353,750 | 3,062 |
| Average total loans | $105,550,500 | 3,173 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 793 |
| Cost of funding earning assets | 0.6952% | 480 |
| Net interest margin | 3.7506% | 1,219 |
| Noninterest income to average assets | 0.3840% | 3,196 |
| Noninterest expense to average assets | 2.5951% | 1,870 |
| Loan and lease loss provision to assets | 0.1750% | 658 |
| Net operating income to assets | 0.9691% | 3,005 |
| Return on assets (ROA) | 0.9700% | 3,083 |
| Pretax return on assets | 1.1790% | 2,968 |
| Return on Equity (ROE) | 7.7138% | 3,486 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,512 |
| Net charge-offs to loans | 0.4305% | 195 |
| Credit loss provision to net charge-offs | 67.6856% | 1,531 |
| Earnings coverage of net charge-offs (x) | 5.2314% | 2,006 |
| Efficiency ratio | 65.7323% | 2,193 |
| Assets per employee ($millions) | 6.0562% | 2,557 |
| Cash dividends to net income (ytd only)* | 100.0000% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 3,188 |
| Loan loss allowance to noncurrent loans | 61.1304% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.1812% | 590 |
| Noncurrent loans to loans | 1.8822% | 532 |
| Net loans and leases to total assets | 58.3033% | 2,630 |
| Net loans and leases to deposits | 66.6979% | 2,757 |
| Net loans and leases to core deposits | 71.3903% | 2,658 |
| Total domestic deposits to total assets | 87.4140% | 2,124 |
| Equity capital to assets | 12.2409% | 1,252 |
| Core capital (leverage) ratio | 11.6832% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,104,333 | 3,268 |
| Average earning assets | $168,293,667 | 3,240 |
| Average equity | $22,271,667 | 3,069 |
| Average total loans | $106,384,333 | 3,175 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 866 |
| Cost of funding earning assets | 0.7304% | 490 |
| Net interest margin | 3.7027% | 1,323 |
| Noninterest income to average assets | 0.3913% | 3,138 |
| Noninterest expense to average assets | 2.5948% | 1,900 |
| Loan and lease loss provision to assets | 0.1373% | 981 |
| Net operating income to assets | 0.9702% | 2,906 |
| Return on assets (ROA) | 0.9702% | 2,999 |
| Pretax return on assets | 1.1738% | 2,918 |
| Return on Equity (ROE) | 7.6096% | 3,443 |
| Retained earnings to average equity (ytd only) | -7.8071% | 4,772 |
| Net charge-offs to loans | 0.6340% | 127 |
| Credit loss provision to net charge-offs | 35.7143% | 1,366 |
| Earnings coverage of net charge-offs (x) | 3.4107% | 1,766 |
| Efficiency ratio | 66.4323% | 2,166 |
| Assets per employee ($millions) | 5.9375% | 2,659 |
| Cash dividends to net income (ytd only)* | 202.5943% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 3,368 |
| Loan loss allowance to noncurrent loans | 57.6442% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.2401% | 590 |
| Noncurrent loans to loans | 1.9308% | 573 |
| Net loans and leases to total assets | 59.8060% | 2,564 |
| Net loans and leases to deposits | 68.7965% | 2,620 |
| Net loans and leases to core deposits | 73.4948% | 2,557 |
| Total domestic deposits to total assets | 86.9317% | 2,340 |
| Equity capital to assets | 12.1335% | 1,229 |
| Core capital (leverage) ratio | 11.8416% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,813,500 | 3,291 |
| Average earning assets | $165,931,000 | 3,255 |
| Average equity | $22,287,500 | 3,058 |
| Average total loans | $105,995,500 | 3,189 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0432% | 451 |
| Cost of funding earning assets | 0.8850% | 897 |
| Net interest margin | 4.1582% | 705 |
| Noninterest income to average assets | 0.5574% | 2,388 |
| Noninterest expense to average assets | 2.8323% | 1,859 |
| Loan and lease loss provision to assets | 0.3377% | 1,039 |
| Net operating income to assets | 1.1096% | 1,891 |
| Return on assets (ROA) | 1.1332% | 1,912 |
| Pretax return on assets | 1.3405% | 1,853 |
| Return on Equity (ROE) | 8.5816% | 2,562 |
| Retained earnings to average equity (ytd only) | 4.8592% | 2,341 |
| Net charge-offs to loans | 0.3524% | 494 |
| Credit loss provision to net charge-offs | 154.6479% | 2,393 |
| Earnings coverage of net charge-offs (x) | 7.5577% | 2,685 |
| Efficiency ratio | 63.1810% | 2,945 |
| Assets per employee ($millions) | 5.5323% | 2,812 |
| Cash dividends to net income (ytd only)* | 43.3768% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 2,659 |
| Loan loss allowance to noncurrent loans | 79.4529% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.0461% | 896 |
| Noncurrent loans to loans | 1.5778% | 838 |
| Net loans and leases to total assets | 60.0317% | 2,855 |
| Net loans and leases to deposits | 69.7036% | 2,913 |
| Net loans and leases to core deposits | 74.9172% | 2,826 |
| Total domestic deposits to total assets | 86.1243% | 2,316 |
| Equity capital to assets | 13.3888% | 970 |
| Core capital (leverage) ratio | 12.3607% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,552,200 | 3,264 |
| Average earning assets | $153,454,000 | 3,231 |
| Average equity | $21,464,600 | 3,058 |
| Average total loans | $100,727,400 | 3,218 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 636 |
| Cost of funding earning assets | 0.9055% | 1,055 |
| Net interest margin | 4.0635% | 966 |
| Noninterest income to average assets | 0.4291% | 2,941 |
| Noninterest expense to average assets | 2.8377% | 1,861 |
| Loan and lease loss provision to assets | 0.2701% | 1,506 |
| Net operating income to assets | 0.9595% | 2,492 |
| Return on assets (ROA) | 0.9905% | 2,506 |
| Pretax return on assets | 1.1918% | 2,415 |
| Return on Equity (ROE) | 7.5294% | 2,999 |
| Retained earnings to average equity (ytd only) | 2.4782% | 3,752 |
| Net charge-offs to loans | 0.3659% | 431 |
| Credit loss provision to net charge-offs | 118.6131% | 2,503 |
| Earnings coverage of net charge-offs (x) | 6.2518% | 2,665 |
| Efficiency ratio | 66.5756% | 2,389 |
| Assets per employee ($millions) | 5.1252% | 3,087 |
| Cash dividends to net income (ytd only)* | 67.0865% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,429 |
| Loan loss allowance to noncurrent loans | 74.2821% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.0459% | 1,042 |
| Noncurrent loans to loans | 1.4213% | 1,016 |
| Net loans and leases to total assets | 64.4978% | 2,704 |
| Net loans and leases to deposits | 74.8273% | 2,875 |
| Net loans and leases to core deposits | 80.4856% | 2,805 |
| Total domestic deposits to total assets | 86.1955% | 1,986 |
| Equity capital to assets | 13.1926% | 1,108 |
| Core capital (leverage) ratio | 12.2250% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,315,000 | 3,269 |
| Average earning assets | $151,228,500 | 3,229 |
| Average equity | $21,090,250 | 3,087 |
| Average total loans | $99,843,750 | 3,243 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9999% | 823 |
| Cost of funding earning assets | 0.9226% | 1,268 |
| Net interest margin | 4.0773% | 1,164 |
| Noninterest income to average assets | 0.4410% | 2,854 |
| Noninterest expense to average assets | 2.8861% | 1,866 |
| Loan and lease loss provision to assets | 0.2351% | 1,799 |
| Net operating income to assets | 0.9654% | 2,444 |
| Return on assets (ROA) | 1.0129% | 2,399 |
| Pretax return on assets | 1.2187% | 2,301 |
| Return on Equity (ROE) | 7.7069% | 2,859 |
| Retained earnings to average equity (ytd only) | -0.0193% | 4,308 |
| Net charge-offs to loans | 0.3756% | 424 |
| Credit loss provision to net charge-offs | 102.2099% | 2,381 |
| Earnings coverage of net charge-offs (x) | 6.0718% | 2,465 |
| Efficiency ratio | 67.3887% | 2,322 |
| Assets per employee ($millions) | 4.8739% | 3,338 |
| Cash dividends to net income (ytd only)* | 100.2509% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 3,312 |
| Loan loss allowance to noncurrent loans | 71.9716% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.0585% | 1,096 |
| Noncurrent loans to loans | 1.4611% | 1,046 |
| Net loans and leases to total assets | 63.4267% | 2,944 |
| Net loans and leases to deposits | 73.7169% | 3,104 |
| Net loans and leases to core deposits | 78.8630% | 3,036 |
| Total domestic deposits to total assets | 86.0410% | 1,992 |
| Equity capital to assets | 13.1009% | 1,123 |
| Core capital (leverage) ratio | 12.2771% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,375,667 | 3,278 |
| Average earning assets | $148,283,333 | 3,237 |
| Average equity | $20,682,667 | 3,114 |
| Average total loans | $96,374,667 | 3,297 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0838% | 822 |
| Cost of funding earning assets | 0.9596% | 1,608 |
| Net interest margin | 4.1242% | 1,086 |
| Noninterest income to average assets | 0.5117% | 2,499 |
| Noninterest expense to average assets | 3.0312% | 1,800 |
| Loan and lease loss provision to assets | 0.1436% | 1,955 |
| Net operating income to assets | 1.0144% | 2,133 |
| Return on assets (ROA) | 1.0339% | 2,161 |
| Pretax return on assets | 1.2428% | 2,057 |
| Return on Equity (ROE) | 7.8536% | 2,575 |
| Retained earnings to average equity (ytd only) | -7.9925% | 4,691 |
| Net charge-offs to loans | 0.0700% | 1,331 |
| Credit loss provision to net charge-offs | 343.7500% | 1,088 |
| Earnings coverage of net charge-offs (x) | 32.6250% | 1,126 |
| Efficiency ratio | 68.9840% | 2,510 |
| Assets per employee ($millions) | 4.6588% | 3,055 |
| Cash dividends to net income (ytd only)* | 201.7677% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 2,371 |
| Loan loss allowance to noncurrent loans | 72.5441% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.1643% | 1,083 |
| Noncurrent loans to loans | 1.7273% | 873 |
| Net loans and leases to total assets | 59.0496% | 3,591 |
| Net loans and leases to deposits | 68.9628% | 3,662 |
| Net loans and leases to core deposits | 74.1814% | 3,621 |
| Total domestic deposits to total assets | 85.6253% | 2,157 |
| Equity capital to assets | 12.8599% | 1,518 |
| Core capital (leverage) ratio | 12.7728% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,206,500 | 3,289 |
| Average earning assets | $144,222,500 | 3,247 |
| Average equity | $20,169,000 | 3,156 |
| Average total loans | $91,450,000 | 3,368 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1211% | 1,173 |
| Cost of funding earning assets | 0.8997% | 2,191 |
| Net interest margin | 4.2214% | 1,275 |
| Noninterest income to average assets | 0.3897% | 3,362 |
| Noninterest expense to average assets | 3.0142% | 1,982 |
| Loan and lease loss provision to assets | 0.1212% | 1,748 |
| Net operating income to assets | 1.0690% | 2,581 |
| Return on assets (ROA) | 1.0925% | 2,575 |
| Pretax return on assets | 1.3220% | 2,433 |
| Return on Equity (ROE) | 8.1963% | 3,080 |
| Retained earnings to average equity (ytd only) | 5.5097% | 2,156 |
| Net charge-offs to loans | 0.1797% | 1,119 |
| Credit loss provision to net charge-offs | 111.1111% | 2,250 |
| Earnings coverage of net charge-offs (x) | 12.9753% | 2,381 |
| Efficiency ratio | 68.0547% | 2,449 |
| Assets per employee ($millions) | 4.6264% | 3,051 |
| Cash dividends to net income (ytd only)* | 32.7788% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,306 |
| Loan loss allowance to noncurrent loans | 65.2786% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.3139% | 835 |
| Noncurrent loans to loans | 1.8744% | 706 |
| Net loans and leases to total assets | 58.8527% | 3,683 |
| Net loans and leases to deposits | 68.3179% | 3,791 |
| Net loans and leases to core deposits | 73.5387% | 3,755 |
| Total domestic deposits to total assets | 86.1454% | 2,010 |
| Equity capital to assets | 13.4715% | 1,287 |
| Core capital (leverage) ratio | 13.0580% | 1,209 |
| Tier 1 risk-based capital ratio | 18.8769% | 1,545 |
| Total risk-based capital ratio | 19.9318% | 1,557 |
| Memoranda: | ||
| Average total assets | $148,561,600 | 3,321 |
| Average earning assets | $142,155,800 | 3,252 |
| Average equity | $19,801,600 | 3,152 |
| Average total loans | $90,128,200 | 3,394 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1379% | 1,185 |
| Cost of funding earning assets | 0.8745% | 2,345 |
| Net interest margin | 4.2634% | 1,241 |
| Noninterest income to average assets | 0.3832% | 3,419 |
| Noninterest expense to average assets | 3.0419% | 1,855 |
| Loan and lease loss provision to assets | 0.1401% | 1,379 |
| Net operating income to assets | 1.0725% | 2,674 |
| Return on assets (ROA) | 1.0935% | 2,688 |
| Pretax return on assets | 1.3194% | 2,601 |
| Return on Equity (ROE) | 8.2268% | 3,221 |
| Retained earnings to average equity (ytd only) | 4.6097% | 3,098 |
| Net charge-offs to loans | 0.1557% | 1,062 |
| Credit loss provision to net charge-offs | 147.6190% | 1,658 |
| Earnings coverage of net charge-offs (x) | 15.1139% | 2,208 |
| Efficiency ratio | 67.9588% | 2,429 |
| Assets per employee ($millions) | 4.6069% | 3,045 |
| Cash dividends to net income (ytd only)* | 43.9673% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,095 |
| Loan loss allowance to noncurrent loans | 79.4036% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1465% | 1,134 |
| Noncurrent loans to loans | 1.6050% | 920 |
| Net loans and leases to total assets | 58.3439% | 3,841 |
| Net loans and leases to deposits | 67.7743% | 3,936 |
| Net loans and leases to core deposits | 73.1050% | 3,882 |
| Total domestic deposits to total assets | 86.0855% | 1,956 |
| Equity capital to assets | 13.4127% | 1,394 |
| Core capital (leverage) ratio | 13.0435% | 1,319 |
| Tier 1 risk-based capital ratio | 19.4760% | 1,465 |
| Total risk-based capital ratio | 20.6193% | 1,456 |
| Memoranda: | ||
| Average total assets | $147,534,250 | 3,366 |
| Average earning assets | $141,637,000 | 3,290 |
| Average equity | $19,610,250 | 3,191 |
| Average total loans | $89,919,250 | 3,443 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1617% | 1,072 |
| Cost of funding earning assets | 0.8524% | 2,384 |
| Net interest margin | 4.3093% | 1,124 |
| Noninterest income to average assets | 0.3657% | 3,487 |
| Noninterest expense to average assets | 3.0732% | 1,807 |
| Loan and lease loss provision to assets | 0.1506% | 1,216 |
| Net operating income to assets | 1.0556% | 2,700 |
| Return on assets (ROA) | 1.0874% | 2,640 |
| Pretax return on assets | 1.3065% | 2,544 |
| Return on Equity (ROE) | 8.2067% | 3,197 |
| Retained earnings to average equity (ytd only) | 2.7080% | 3,847 |
| Net charge-offs to loans | 0.1668% | 962 |
| Credit loss provision to net charge-offs | 146.6667% | 1,519 |
| Earnings coverage of net charge-offs (x) | 13.8133% | 2,074 |
| Efficiency ratio | 68.4146% | 2,463 |
| Assets per employee ($millions) | 4.5042% | 3,137 |
| Cash dividends to net income (ytd only)* | 67.0025% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,291 |
| Loan loss allowance to noncurrent loans | 82.1221% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1282% | 1,193 |
| Noncurrent loans to loans | 1.5129% | 1,019 |
| Net loans and leases to total assets | 60.4292% | 3,698 |
| Net loans and leases to deposits | 70.0061% | 3,844 |
| Net loans and leases to core deposits | 75.2051% | 3,797 |
| Total domestic deposits to total assets | 86.3200% | 1,884 |
| Equity capital to assets | 13.2966% | 1,441 |
| Core capital (leverage) ratio | 13.0599% | 1,267 |
| Tier 1 risk-based capital ratio | 19.0622% | 1,538 |
| Total risk-based capital ratio | 20.1908% | 1,534 |
| Memoranda: | ||
| Average total assets | $146,036,330 | 3,401 |
| Average earning assets | $139,837,330 | 3,334 |
| Average equity | $19,350,000 | 3,212 |
| Average total loans | $89,944,330 | 3,456 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0862% | 1,126 |
| Cost of funding earning assets | 0.8214% | 2,417 |
| Net interest margin | 4.2648% | 1,161 |
| Noninterest income to average assets | 0.3427% | 3,578 |
| Noninterest expense to average assets | 3.0926% | 1,750 |
| Loan and lease loss provision to assets | 0.1105% | 1,606 |
| Net operating income to assets | 1.0394% | 2,695 |
| Return on assets (ROA) | 1.0695% | 2,631 |
| Pretax return on assets | 1.2796% | 2,531 |
| Return on Equity (ROE) | 8.0865% | 3,226 |
| Retained earnings to average equity (ytd only) | 8.0865% | 1,623 |
| Net charge-offs to loans | 0.1923% | 725 |
| Credit loss provision to net charge-offs | 93.0233% | 1,691 |
| Earnings coverage of net charge-offs (x) | 11.3953% | 1,911 |
| Efficiency ratio | 69.5463% | 2,416 |
| Assets per employee ($millions) | 4.4205% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,498 |
| Loan loss allowance to noncurrent loans | 77.3371% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.1743% | 1,149 |
| Noncurrent loans to loans | 1.5715% | 1,014 |
| Net loans and leases to total assets | 60.8465% | 3,619 |
| Net loans and leases to deposits | 70.6094% | 3,725 |
| Net loans and leases to core deposits | 75.6237% | 3,684 |
| Total domestic deposits to total assets | 86.1733% | 2,197 |
| Equity capital to assets | 13.3914% | 1,253 |
| Core capital (leverage) ratio | 13.3241% | 1,141 |
| Tier 1 risk-based capital ratio | 19.3876% | 1,467 |
| Total risk-based capital ratio | 20.4897% | 1,467 |
| Memoranda: | ||
| Average total assets | $144,734,500 | 3,450 |
| Average earning assets | $139,279,500 | 3,378 |
| Average equity | $19,143,000 | 3,247 |
| Average total loans | $89,440,500 | 3,500 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 1,099 |
| Cost of funding earning assets | 0.7291% | 1,911 |
| Net interest margin | 4.2501% | 1,279 |
| Noninterest income to average assets | 0.3968% | 3,461 |
| Noninterest expense to average assets | 2.9234% | 2,266 |
| Loan and lease loss provision to assets | 0.2266% | 786 |
| Net operating income to assets | 1.1081% | 2,564 |
| Return on assets (ROA) | 1.1228% | 2,504 |
| Pretax return on assets | 1.3334% | 2,387 |
| Return on Equity (ROE) | 8.8740% | 3,053 |
| Retained earnings to average equity (ytd only) | 6.1843% | 2,100 |
| Net charge-offs to loans | 0.3519% | 538 |
| Credit loss provision to net charge-offs | 104.5016% | 2,436 |
| Earnings coverage of net charge-offs (x) | 7.1125% | 3,014 |
| Efficiency ratio | 65.4591% | 2,958 |
| Assets per employee ($millions) | 4.3513% | 3,378 |
| Cash dividends to net income (ytd only)* | 30.3106% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,412 |
| Loan loss allowance to noncurrent loans | 70.3276% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.2939% | 989 |
| Noncurrent loans to loans | 1.7489% | 819 |
| Net loans and leases to total assets | 61.2381% | 3,641 |
| Net loans and leases to deposits | 70.6516% | 3,775 |
| Net loans and leases to core deposits | 75.6452% | 3,746 |
| Total domestic deposits to total assets | 86.6761% | 1,933 |
| Equity capital to assets | 13.0585% | 1,321 |
| Core capital (leverage) ratio | 13.1634% | 1,187 |
| Tier 1 risk-based capital ratio | 19.2149% | 1,474 |
| Total risk-based capital ratio | 20.3328% | 1,465 |
| Memoranda: | ||
| Average total assets | $143,393,200 | 3,462 |
| Average earning assets | $137,290,000 | 3,396 |
| Average equity | $18,142,800 | 3,283 |
| Average total loans | $88,389,400 | 3,505 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9309% | 1,091 |
| Cost of funding earning assets | 0.7127% | 1,783 |
| Net interest margin | 4.2181% | 1,307 |
| Noninterest income to average assets | 0.3609% | 3,719 |
| Noninterest expense to average assets | 2.8583% | 2,438 |
| Loan and lease loss provision to assets | 0.2558% | 611 |
| Net operating income to assets | 1.0848% | 2,734 |
| Return on assets (ROA) | 1.1022% | 2,670 |
| Pretax return on assets | 1.3022% | 2,619 |
| Return on Equity (ROE) | 8.7821% | 3,201 |
| Retained earnings to average equity (ytd only) | 5.1655% | 3,147 |
| Net charge-offs to loans | 0.3884% | 419 |
| Credit loss provision to net charge-offs | 107.0039% | 2,157 |
| Earnings coverage of net charge-offs (x) | 6.4319% | 2,887 |
| Efficiency ratio | 65.0233% | 3,029 |
| Assets per employee ($millions) | 4.3341% | 3,379 |
| Cash dividends to net income (ytd only)* | 41.1814% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,515 |
| Loan loss allowance to noncurrent loans | 51.9131% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.7060% | 718 |
| Noncurrent loans to loans | 2.3482% | 575 |
| Net loans and leases to total assets | 62.2660% | 3,627 |
| Net loans and leases to deposits | 71.9970% | 3,767 |
| Net loans and leases to core deposits | 76.5566% | 3,765 |
| Total domestic deposits to total assets | 86.4842% | 1,972 |
| Equity capital to assets | 12.6146% | 1,514 |
| Core capital (leverage) ratio | 12.8265% | 1,356 |
| Tier 1 risk-based capital ratio | 18.6605% | 1,624 |
| Total risk-based capital ratio | 19.7756% | 1,617 |
| Memoranda: | ||
| Average total assets | $143,343,500 | 3,502 |
| Average earning assets | $137,118,500 | 3,435 |
| Average equity | $17,990,750 | 3,320 |
| Average total loans | $88,229,750 | 3,544 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8424% | 1,143 |
| Cost of funding earning assets | 0.6924% | 1,662 |
| Net interest margin | 4.1500% | 1,412 |
| Noninterest income to average assets | 0.3569% | 3,772 |
| Noninterest expense to average assets | 2.8149% | 2,620 |
| Loan and lease loss provision to assets | 0.2649% | 575 |
| Net operating income to assets | 1.0595% | 2,757 |
| Return on assets (ROA) | 1.0666% | 2,728 |
| Pretax return on assets | 1.2548% | 2,704 |
| Return on Equity (ROE) | 8.5125% | 3,258 |
| Retained earnings to average equity (ytd only) | 3.0823% | 4,021 |
| Net charge-offs to loans | 0.4841% | 316 |
| Credit loss provision to net charge-offs | 89.6226% | 2,160 |
| Earnings coverage of net charge-offs (x) | 5.1132% | 2,738 |
| Efficiency ratio | 65.0661% | 3,147 |
| Assets per employee ($millions) | 4.2602% | 3,483 |
| Cash dividends to net income (ytd only)* | 63.7908% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,828 |
| Loan loss allowance to noncurrent loans | 52.2189% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.6231% | 780 |
| Noncurrent loans to loans | 2.2625% | 605 |
| Net loans and leases to total assets | 61.1524% | 3,692 |
| Net loans and leases to deposits | 69.9724% | 3,861 |
| Net loans and leases to core deposits | 74.6687% | 3,830 |
| Total domestic deposits to total assets | 87.3951% | 1,686 |
| Equity capital to assets | 12.3039% | 1,659 |
| Core capital (leverage) ratio | 12.5991% | 1,383 |
| Tier 1 risk-based capital ratio | 18.6030% | 1,652 |
| Total risk-based capital ratio | 19.6992% | 1,650 |
| Memoranda: | ||
| Average total assets | $143,449,670 | 3,520 |
| Average earning assets | $137,205,330 | 3,453 |
| Average equity | $17,973,670 | 3,333 |
| Average total loans | $87,588,000 | 3,573 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8106% | 1,062 |
| Cost of funding earning assets | 0.6693% | 1,608 |
| Net interest margin | 4.1413% | 1,334 |
| Noninterest income to average assets | 0.3699% | 3,660 |
| Noninterest expense to average assets | 2.7432% | 2,895 |
| Loan and lease loss provision to assets | 0.2522% | 586 |
| Net operating income to assets | 1.1433% | 2,248 |
| Return on assets (ROA) | 1.1433% | 2,261 |
| Pretax return on assets | 1.3450% | 2,203 |
| Return on Equity (ROE) | 9.0418% | 2,892 |
| Retained earnings to average equity (ytd only) | 9.0418% | 1,447 |
| Net charge-offs to loans | 0.4991% | 307 |
| Credit loss provision to net charge-offs | 83.3333% | 1,711 |
| Earnings coverage of net charge-offs (x) | 5.2778% | 2,250 |
| Efficiency ratio | 63.2021% | 3,604 |
| Assets per employee ($millions) | 5.1161% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,775 |
| Loan loss allowance to noncurrent loans | 64.6987% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.3780% | 1,061 |
| Noncurrent loans to loans | 1.8636% | 884 |
| Net loans and leases to total assets | 60.8012% | 3,669 |
| Net loans and leases to deposits | 70.7805% | 3,724 |
| Net loans and leases to core deposits | 75.1754% | 3,727 |
| Total domestic deposits to total assets | 85.9011% | 2,588 |
| Equity capital to assets | 12.5960% | 1,430 |
| Core capital (leverage) ratio | 12.9290% | 1,207 |
| Tier 1 risk-based capital ratio | 18.6227% | 1,661 |
| Total risk-based capital ratio | 19.7127% | 1,666 |
| Memoranda: | ||
| Average total assets | $142,750,500 | 3,563 |
| Average earning assets | $136,864,000 | 3,493 |
| Average equity | $18,049,500 | 3,349 |
| Average total loans | $86,563,500 | 3,620 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7955% | 984 |
| Cost of funding earning assets | 0.6477% | 1,306 |
| Net interest margin | 4.1478% | 1,307 |
| Noninterest income to average assets | 0.3691% | 3,832 |
| Noninterest expense to average assets | 2.5879% | 3,484 |
| Loan and lease loss provision to assets | 0.2910% | 598 |
| Net operating income to assets | 1.0643% | 1,997 |
| Return on assets (ROA) | 1.1286% | 1,790 |
| Pretax return on assets | 1.5551% | 1,433 |
| Return on Equity (ROE) | 9.0225% | 2,307 |
| Retained earnings to average equity (ytd only) | 6.5087% | 1,275 |
| Net charge-offs to loans | 0.4172% | 595 |
| Credit loss provision to net charge-offs | 119.8830% | 2,182 |
| Earnings coverage of net charge-offs (x) | 7.2427% | 3,067 |
| Efficiency ratio | 59.5460% | 4,327 |
| Assets per employee ($millions) | 5.0803% | 2,385 |
| Cash dividends to net income (ytd only)* | 27.8616% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 2,365 |
| Loan loss allowance to noncurrent loans | 64.8470% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.4046% | 998 |
| Noncurrent loans to loans | 1.9620% | 785 |
| Net loans and leases to total assets | 58.9698% | 3,923 |
| Net loans and leases to deposits | 68.0446% | 4,024 |
| Net loans and leases to core deposits | 71.9528% | 4,048 |
| Total domestic deposits to total assets | 86.6635% | 2,164 |
| Equity capital to assets | 12.6925% | 1,412 |
| Core capital (leverage) ratio | 12.5100% | 1,352 |
| Tier 1 risk-based capital ratio | 19.0588% | 1,498 |
| Total risk-based capital ratio | 20.2171% | 1,470 |
| Memoranda: | ||
| Average total assets | $140,888,600 | 3,599 |
| Average earning assets | $135,083,800 | 3,525 |
| Average equity | $17,622,600 | 3,414 |
| Average total loans | $81,982,200 | 3,703 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7389% | 1,056 |
| Cost of funding earning assets | 0.6411% | 1,298 |
| Net interest margin | 4.0978% | 1,393 |
| Noninterest income to average assets | 0.3785% | 3,820 |
| Noninterest expense to average assets | 2.5215% | 3,661 |
| Loan and lease loss provision to assets | 0.3510% | 426 |
| Net operating income to assets | 1.0810% | 2,174 |
| Return on assets (ROA) | 1.1621% | 1,880 |
| Pretax return on assets | 1.5491% | 1,582 |
| Return on Equity (ROE) | 9.3254% | 2,433 |
| Retained earnings to average equity (ytd only) | 5.9530% | 2,269 |
| Net charge-offs to loans | 0.4317% | 487 |
| Credit loss provision to net charge-offs | 140.6844% | 1,770 |
| Earnings coverage of net charge-offs (x) | 7.1825% | 2,904 |
| Efficiency ratio | 58.4561% | 4,442 |
| Assets per employee ($millions) | 5.2756% | 2,145 |
| Cash dividends to net income (ytd only)* | 36.1632% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 2,193 |
| Loan loss allowance to noncurrent loans | 72.1185% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.5227% | 994 |
| Noncurrent loans to loans | 1.8480% | 951 |
| Net loans and leases to total assets | 58.2122% | 4,040 |
| Net loans and leases to deposits | 67.0001% | 4,185 |
| Net loans and leases to core deposits | 70.7009% | 4,203 |
| Total domestic deposits to total assets | 86.8837% | 1,912 |
| Equity capital to assets | 12.7098% | 1,538 |
| Core capital (leverage) ratio | 12.3658% | 1,474 |
| Tier 1 risk-based capital ratio | 18.7988% | 1,645 |
| Total risk-based capital ratio | 20.0073% | 1,603 |
| Memoranda: | ||
| Average total assets | $140,548,500 | 3,641 |
| Average earning assets | $134,963,750 | 3,555 |
| Average equity | $17,514,500 | 3,459 |
| Average total loans | $81,236,500 | 3,751 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 988 |
| Cost of funding earning assets | 0.6406% | 1,207 |
| Net interest margin | 4.0957% | 1,333 |
| Noninterest income to average assets | 0.3745% | 3,879 |
| Noninterest expense to average assets | 2.5315% | 3,651 |
| Loan and lease loss provision to assets | 0.4217% | 303 |
| Net operating income to assets | 1.0185% | 2,341 |
| Return on assets (ROA) | 1.1407% | 1,874 |
| Pretax return on assets | 1.5137% | 1,590 |
| Return on Equity (ROE) | 9.2158% | 2,403 |
| Retained earnings to average equity (ytd only) | 4.0998% | 3,268 |
| Net charge-offs to loans | 0.5429% | 355 |
| Credit loss provision to net charge-offs | 135.3211% | 1,635 |
| Earnings coverage of net charge-offs (x) | 5.6881% | 2,798 |
| Efficiency ratio | 58.8177% | 4,489 |
| Assets per employee ($millions) | 5.2197% | 2,138 |
| Cash dividends to net income (ytd only)* | 55.5138% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 2,225 |
| Loan loss allowance to noncurrent loans | 71.3818% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.2957% | 1,281 |
| Noncurrent loans to loans | 1.8780% | 932 |
| Net loans and leases to total assets | 56.9200% | 4,131 |
| Net loans and leases to deposits | 65.3979% | 4,267 |
| Net loans and leases to core deposits | 69.0323% | 4,295 |
| Total domestic deposits to total assets | 87.0364% | 1,933 |
| Equity capital to assets | 12.5996% | 1,574 |
| Core capital (leverage) ratio | 12.1186% | 1,576 |
| Tier 1 risk-based capital ratio | 19.6150% | 1,444 |
| Total risk-based capital ratio | 20.8649% | 1,408 |
| Memoranda: | ||
| Average total assets | $139,917,670 | 3,667 |
| Average earning assets | $134,238,670 | 3,589 |
| Average equity | $17,318,000 | 3,495 |
| Average total loans | $80,302,670 | 3,789 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6674% | 996 |
| Cost of funding earning assets | 0.6331% | 1,169 |
| Net interest margin | 4.0343% | 1,384 |
| Noninterest income to average assets | 0.3701% | 3,890 |
| Noninterest expense to average assets | 2.5077% | 3,785 |
| Loan and lease loss provision to assets | 0.2152% | 748 |
| Net operating income to assets | 1.1506% | 1,665 |
| Return on assets (ROA) | 1.1506% | 1,701 |
| Pretax return on assets | 1.5236% | 1,462 |
| Return on Equity (ROE) | 9.3809% | 2,242 |
| Retained earnings to average equity (ytd only) | -0.9825% | 5,063 |
| Net charge-offs to loans | 0.2657% | 687 |
| Credit loss provision to net charge-offs | 141.5094% | 1,255 |
| Earnings coverage of net charge-offs (x) | 11.4340% | 1,894 |
| Efficiency ratio | 59.0541% | 4,581 |
| Assets per employee ($millions) | 5.2134% | 2,167 |
| Cash dividends to net income (ytd only)* | 110.4738% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 2,575 |
| Loan loss allowance to noncurrent loans | 50.1211% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.4826% | 1,095 |
| Noncurrent loans to loans | 2.5781% | 594 |
| Net loans and leases to total assets | 56.1679% | 4,153 |
| Net loans and leases to deposits | 64.4828% | 4,283 |
| Net loans and leases to core deposits | 68.1713% | 4,280 |
| Total domestic deposits to total assets | 87.1052% | 2,156 |
| Equity capital to assets | 12.2057% | 1,705 |
| Core capital (leverage) ratio | 11.9392% | 1,670 |
| Tier 1 risk-based capital ratio | 18.7434% | 1,682 |
| Total risk-based capital ratio | 19.9121% | 1,654 |
| Memoranda: | ||
| Average total assets | $139,410,000 | 3,703 |
| Average earning assets | $133,950,000 | 3,627 |
| Average equity | $17,098,500 | 3,536 |
| Average total loans | $79,799,500 | 3,811 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 1,152 |
| Cost of funding earning assets | 0.6762% | 926 |
| Net interest margin | 3.9813% | 1,689 |
| Noninterest income to average assets | 0.3745% | 4,066 |
| Noninterest expense to average assets | 2.5268% | 3,931 |
| Loan and lease loss provision to assets | 0.2821% | 703 |
| Net operating income to assets | 1.0581% | 2,101 |
| Return on assets (ROA) | 1.1506% | 1,783 |
| Pretax return on assets | 1.5184% | 1,535 |
| Return on Equity (ROE) | 9.2117% | 2,309 |
| Retained earnings to average equity (ytd only) | 7.0466% | 1,212 |
| Net charge-offs to loans | 0.5556% | 423 |
| Credit loss provision to net charge-offs | 92.3261% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.4940% | 3,331 |
| Efficiency ratio | 60.0802% | 4,573 |
| Assets per employee ($millions) | 5.3099% | 2,046 |
| Cash dividends to net income (ytd only)* | 23.5032% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,685 |
| Loan loss allowance to noncurrent loans | 40.9790% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.8065% | 814 |
| Noncurrent loans to loans | 3.1094% | 427 |
| Net loans and leases to total assets | 56.8515% | 4,184 |
| Net loans and leases to deposits | 65.0635% | 4,327 |
| Net loans and leases to core deposits | 68.8220% | 4,338 |
| Total domestic deposits to total assets | 87.3785% | 1,942 |
| Equity capital to assets | 12.3253% | 1,620 |
| Core capital (leverage) ratio | 12.0089% | 1,592 |
| Tier 1 risk-based capital ratio | 19.2491% | 1,536 |
| Total risk-based capital ratio | 20.4226% | 1,516 |
| Memoranda: | ||
| Average total assets | $136,456,000 | 3,727 |
| Average earning assets | $131,313,800 | 3,627 |
| Average equity | $17,043,600 | 3,549 |
| Average total loans | $75,055,800 | 3,921 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 1,237 |
| Cost of funding earning assets | 0.6803% | 903 |
| Net interest margin | 3.9486% | 1,821 |
| Noninterest income to average assets | 0.3783% | 4,076 |
| Noninterest expense to average assets | 2.5528% | 3,817 |
| Loan and lease loss provision to assets | 0.1813% | 1,224 |
| Net operating income to assets | 1.0960% | 2,014 |
| Return on assets (ROA) | 1.1750% | 1,825 |
| Pretax return on assets | 1.5532% | 1,525 |
| Return on Equity (ROE) | 9.3759% | 2,317 |
| Retained earnings to average equity (ytd only) | 6.4904% | 1,921 |
| Net charge-offs to loans | 0.2470% | 950 |
| Credit loss provision to net charge-offs | 135.0365% | 1,923 |
| Earnings coverage of net charge-offs (x) | 12.1461% | 2,417 |
| Efficiency ratio | 61.0213% | 4,388 |
| Assets per employee ($millions) | 5.3946% | 1,959 |
| Cash dividends to net income (ytd only)* | 30.7757% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 2,331 |
| Loan loss allowance to noncurrent loans | 46.2548% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 1.7004% | 999 |
| Noncurrent loans to loans | 2.9673% | 510 |
| Net loans and leases to total assets | 55.9974% | 4,307 |
| Net loans and leases to deposits | 64.6059% | 4,444 |
| Net loans and leases to core deposits | 68.6124% | 4,423 |
| Total domestic deposits to total assets | 86.6755% | 2,046 |
| Equity capital to assets | 12.6308% | 1,686 |
| Core capital (leverage) ratio | 11.7700% | 1,829 |
| Tier 1 risk-based capital ratio | 18.8726% | 1,698 |
| Total risk-based capital ratio | 20.1227% | 1,660 |
| Memoranda: | ||
| Average total assets | $136,055,500 | 3,750 |
| Average earning assets | $131,116,250 | 3,654 |
| Average equity | $17,050,500 | 3,572 |
| Average total loans | $73,944,500 | 3,971 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 1,209 |
| Cost of funding earning assets | 0.6880% | 854 |
| Net interest margin | 3.9400% | 1,841 |
| Noninterest income to average assets | 0.3698% | 4,102 |
| Noninterest expense to average assets | 2.6304% | 3,611 |
| Loan and lease loss provision to assets | 0.1337% | 1,709 |
| Net operating income to assets | 1.0705% | 2,085 |
| Return on assets (ROA) | 1.1541% | 1,873 |
| Pretax return on assets | 1.5180% | 1,614 |
| Return on Equity (ROE) | 9.2342% | 2,386 |
| Retained earnings to average equity (ytd only) | 4.8489% | 2,825 |
| Net charge-offs to loans | 0.2415% | 976 |
| Credit loss provision to net charge-offs | 103.4483% | 2,043 |
| Earnings coverage of net charge-offs (x) | 11.9310% | 2,222 |
| Efficiency ratio | 63.0473% | 4,170 |
| Assets per employee ($millions) | 5.2642% | 2,017 |
| Cash dividends to net income (ytd only)* | 47.4903% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 2,287 |
| Loan loss allowance to noncurrent loans | 92.1724% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 2,478 |
| Noncurrent loans to loans | 1.5208% | 1,433 |
| Net loans and leases to total assets | 53.8592% | 4,524 |
| Net loans and leases to deposits | 62.2333% | 4,637 |
| Net loans and leases to core deposits | 65.9527% | 4,615 |
| Total domestic deposits to total assets | 86.5440% | 2,140 |
| Equity capital to assets | 12.7561% | 1,631 |
| Core capital (leverage) ratio | 11.6834% | 1,857 |
| Tier 1 risk-based capital ratio | 19.2710% | 1,636 |
| Total risk-based capital ratio | 20.5218% | 1,594 |
| Memoranda: | ||
| Average total assets | $134,654,000 | 3,803 |
| Average earning assets | $129,949,330 | 3,691 |
| Average equity | $16,828,670 | 3,612 |
| Average total loans | $72,047,670 | 4,039 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5835% | 1,305 |
| Cost of funding earning assets | 0.6920% | 837 |
| Net interest margin | 3.8914% | 1,958 |
| Noninterest income to average assets | 0.3504% | 4,223 |
| Noninterest expense to average assets | 2.6298% | 3,657 |
| Loan and lease loss provision to assets | 0.1048% | 1,953 |
| Net operating income to assets | 1.0531% | 2,075 |
| Return on assets (ROA) | 1.1292% | 1,902 |
| Pretax return on assets | 1.4706% | 1,684 |
| Return on Equity (ROE) | 9.1319% | 2,353 |
| Retained earnings to average equity (ytd only) | 0.1938% | 5,060 |
| Net charge-offs to loans | 0.1698% | 1,123 |
| Credit loss provision to net charge-offs | 116.6667% | 1,462 |
| Earnings coverage of net charge-offs (x) | 16.4333% | 1,620 |
| Efficiency ratio | 64.0408% | 4,119 |
| Assets per employee ($millions) | 5.3864% | 1,937 |
| Cash dividends to net income (ytd only)* | 97.8780% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 2,140 |
| Loan loss allowance to noncurrent loans | 106.2753% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 2,828 |
| Noncurrent loans to loans | 1.3779% | 1,728 |
| Net loans and leases to total assets | 52.4681% | 4,584 |
| Net loans and leases to deposits | 60.4797% | 4,683 |
| Net loans and leases to core deposits | 63.8331% | 4,697 |
| Total domestic deposits to total assets | 86.7532% | 2,327 |
| Equity capital to assets | 12.3750% | 1,768 |
| Core capital (leverage) ratio | 11.5480% | 1,944 |
| Tier 1 risk-based capital ratio | 19.4887% | 1,616 |
| Total risk-based capital ratio | 20.7397% | 1,583 |
| Memoranda: | ||
| Average total assets | $133,547,000 | 3,846 |
| Average earning assets | $128,898,000 | 3,735 |
| Average equity | $16,513,500 | 3,661 |
| Average total loans | $70,689,500 | 4,102 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 1,305 |
| Cost of funding earning assets | 0.7781% | 550 |
| Net interest margin | 3.8340% | 2,259 |
| Noninterest income to average assets | 0.3541% | 4,372 |
| Noninterest expense to average assets | 2.4703% | 4,322 |
| Loan and lease loss provision to assets | 0.0646% | 2,999 |
| Net operating income to assets | 1.1214% | 1,831 |
| Return on assets (ROA) | 1.1869% | 1,673 |
| Pretax return on assets | 1.5509% | 1,403 |
| Return on Equity (ROE) | 9.9119% | 2,042 |
| Retained earnings to average equity (ytd only) | 8.5032% | 776 |
| Net charge-offs to loans | 0.2327% | 1,278 |
| Credit loss provision to net charge-offs | 54.1401% | 3,345 |
| Earnings coverage of net charge-offs (x) | 12.8280% | 2,421 |
| Efficiency ratio | 61.7474% | 4,648 |
| Assets per employee ($millions) | 5.2974% | 2,013 |
| Cash dividends to net income (ytd only)* | 14.2125% | 3,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 2,010 |
| Loan loss allowance to noncurrent loans | 107.6210% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 2,807 |
| Noncurrent loans to loans | 1.3936% | 1,679 |
| Net loans and leases to total assets | 51.8224% | 4,708 |
| Net loans and leases to deposits | 59.4156% | 4,812 |
| Net loans and leases to core deposits | 62.7386% | 4,820 |
| Total domestic deposits to total assets | 87.2201% | 2,023 |
| Equity capital to assets | 12.3555% | 1,700 |
| Core capital (leverage) ratio | 11.6734% | 1,834 |
| Tier 1 risk-based capital ratio | 20.2971% | 1,427 |
| Total risk-based capital ratio | 21.5480% | 1,401 |
| Memoranda: | ||
| Average total assets | $131,604,400 | 3,857 |
| Average earning assets | $125,169,200 | 3,787 |
| Average equity | $15,758,800 | 3,718 |
| Average total loans | $67,463,200 | 4,162 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 1,381 |
| Cost of funding earning assets | 0.7977% | 506 |
| Net interest margin | 3.7821% | 2,455 |
| Noninterest income to average assets | 0.3552% | 4,401 |
| Noninterest expense to average assets | 2.4607% | 4,313 |
| Loan and lease loss provision to assets | 0.0406% | 3,398 |
| Net operating income to assets | 1.1088% | 1,967 |
| Return on assets (ROA) | 1.1689% | 1,829 |
| Pretax return on assets | 1.5211% | 1,622 |
| Return on Equity (ROE) | 9.8410% | 2,168 |
| Retained earnings to average equity (ytd only) | 7.9446% | 1,257 |
| Net charge-offs to loans | 0.1873% | 1,362 |
| Credit loss provision to net charge-offs | 42.5532% | 3,133 |
| Earnings coverage of net charge-offs (x) | 15.5532% | 2,171 |
| Efficiency ratio | 62.3874% | 4,513 |
| Assets per employee ($millions) | 5.7381% | 1,559 |
| Cash dividends to net income (ytd only)* | 19.2707% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,862 |
| Loan loss allowance to noncurrent loans | 90.9324% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 2,494 |
| Noncurrent loans to loans | 1.7344% | 1,383 |
| Net loans and leases to total assets | 50.2652% | 4,909 |
| Net loans and leases to deposits | 57.6006% | 5,022 |
| Net loans and leases to core deposits | 60.8031% | 5,014 |
| Total domestic deposits to total assets | 87.2651% | 1,910 |
| Equity capital to assets | 12.2363% | 1,919 |
| Core capital (leverage) ratio | 11.4464% | 2,079 |
| Tier 1 risk-based capital ratio | 20.6673% | 1,408 |
| Total risk-based capital ratio | 21.9196% | 1,374 |
| Memoranda: | ||
| Average total assets | $131,396,750 | 3,905 |
| Average earning assets | $124,691,000 | 3,834 |
| Average equity | $15,607,750 | 3,783 |
| Average total loans | $66,910,000 | 4,211 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 1,334 |
| Cost of funding earning assets | 0.8122% | 465 |
| Net interest margin | 3.7645% | 2,460 |
| Noninterest income to average assets | 0.3506% | 4,449 |
| Noninterest expense to average assets | 2.4649% | 4,349 |
| Loan and lease loss provision to assets | 0.0152% | 3,819 |
| Net operating income to assets | 1.1021% | 1,947 |
| Return on assets (ROA) | 1.1478% | 1,856 |
| Pretax return on assets | 1.4908% | 1,675 |
| Return on Equity (ROE) | 9.7619% | 2,177 |
| Retained earnings to average equity (ytd only) | 6.8839% | 1,745 |
| Net charge-offs to loans | 0.0210% | 3,257 |
| Credit loss provision to net charge-offs | 142.8571% | 1,574 |
| Earnings coverage of net charge-offs (x) | 135.5714% | 468 |
| Efficiency ratio | 63.0164% | 4,515 |
| Assets per employee ($millions) | 5.9644% | 1,385 |
| Cash dividends to net income (ytd only)* | 29.4821% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 1,652 |
| Loan loss allowance to noncurrent loans | 132.7402% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7027% | 3,293 |
| Noncurrent loans to loans | 1.2669% | 2,126 |
| Net loans and leases to total assets | 49.8582% | 4,943 |
| Net loans and leases to deposits | 56.7146% | 5,081 |
| Net loans and leases to core deposits | 59.6138% | 5,098 |
| Total domestic deposits to total assets | 87.9108% | 1,696 |
| Equity capital to assets | 11.7752% | 2,180 |
| Core capital (leverage) ratio | 11.1863% | 2,257 |
| Tier 1 risk-based capital ratio | 19.9655% | 1,550 |
| Total risk-based capital ratio | 21.2190% | 1,519 |
| Memoranda: | ||
| Average total assets | $131,203,670 | 3,943 |
| Average earning assets | $124,105,330 | 3,878 |
| Average equity | $15,427,330 | 3,826 |
| Average total loans | $66,746,330 | 4,247 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5729% | 1,285 |
| Cost of funding earning assets | 0.8279% | 429 |
| Net interest margin | 3.7450% | 2,450 |
| Noninterest income to average assets | 0.3354% | 4,506 |
| Noninterest expense to average assets | 2.4513% | 4,440 |
| Loan and lease loss provision to assets | 0.0305% | 3,280 |
| Net operating income to assets | 1.0728% | 1,962 |
| Return on assets (ROA) | 1.1037% | 1,964 |
| Pretax return on assets | 1.4238% | 1,797 |
| Return on Equity (ROE) | 9.3931% | 2,272 |
| Retained earnings to average equity (ytd only) | 3.6327% | 3,825 |
| Net charge-offs to loans | 0.1197% | 1,552 |
| Credit loss provision to net charge-offs | 50.0000% | 2,096 |
| Earnings coverage of net charge-offs (x) | 23.2000% | 1,332 |
| Efficiency ratio | 63.4069% | 4,571 |
| Assets per employee ($millions) | 5.7627% | 1,575 |
| Cash dividends to net income (ytd only)* | 61.3260% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 1,855 |
| Loan loss allowance to noncurrent loans | 144.7059% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 3,518 |
| Noncurrent loans to loans | 1.1468% | 2,473 |
| Net loans and leases to total assets | 49.4926% | 4,901 |
| Net loans and leases to deposits | 56.5796% | 5,013 |
| Net loans and leases to core deposits | 59.2589% | 5,056 |
| Total domestic deposits to total assets | 87.4743% | 2,120 |
| Equity capital to assets | 11.7886% | 2,207 |
| Core capital (leverage) ratio | 10.9529% | 2,456 |
| Tier 1 risk-based capital ratio | 24.2971% | 965 |
| Total risk-based capital ratio | 25.5552% | 943 |
| Memoranda: | ||
| Average total assets | $131,197,500 | 3,968 |
| Average earning assets | $123,685,500 | 3,912 |
| Average equity | $15,415,500 | 3,851 |
| Average total loans | $66,849,000 | 4,276 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 1,208 |
| Cost of funding earning assets | 0.9259% | 333 |
| Net interest margin | 3.8212% | 2,545 |
| Noninterest income to average assets | 0.3957% | 4,209 |
| Noninterest expense to average assets | 2.3862% | 4,883 |
| Loan and lease loss provision to assets | 0.0779% | 2,920 |
| Net operating income to assets | 1.1296% | 1,868 |
| Return on assets (ROA) | 1.2137% | 1,603 |
| Pretax return on assets | 1.6430% | 1,115 |
| Return on Equity (ROE) | 11.1151% | 1,691 |
| Retained earnings to average equity (ytd only) | 9.7382% | 562 |
| Net charge-offs to loans | 0.1279% | 2,745 |
| Credit loss provision to net charge-offs | 116.2791% | 2,055 |
| Earnings coverage of net charge-offs (x) | 23.9884% | 1,561 |
| Efficiency ratio | 59.7542% | 5,254 |
| Assets per employee ($millions) | 5.6457% | 1,656 |
| Cash dividends to net income (ytd only)* | 12.3877% | 4,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 1,873 |
| Loan loss allowance to noncurrent loans | 86.5221% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 2,592 |
| Noncurrent loans to loans | 1.9271% | 1,458 |
| Net loans and leases to total assets | 50.7308% | 4,895 |
| Net loans and leases to deposits | 57.7355% | 5,081 |
| Net loans and leases to core deposits | 60.5218% | 5,097 |
| Total domestic deposits to total assets | 87.8677% | 1,838 |
| Equity capital to assets | 11.7103% | 2,244 |
| Core capital (leverage) ratio | 10.9005% | 2,497 |
| Tier 1 risk-based capital ratio | 18.6037% | 1,959 |
| Total risk-based capital ratio | 19.8558% | 1,925 |
| Memoranda: | ||
| Average total assets | $128,364,800 | 4,007 |
| Average earning assets | $120,853,000 | 3,947 |
| Average equity | $14,017,000 | 4,023 |
| Average total loans | $67,238,000 | 4,257 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7283% | 1,241 |
| Cost of funding earning assets | 0.9403% | 319 |
| Net interest margin | 3.7879% | 2,665 |
| Noninterest income to average assets | 0.4177% | 4,117 |
| Noninterest expense to average assets | 2.3761% | 4,892 |
| Loan and lease loss provision to assets | 0.0833% | 2,685 |
| Net operating income to assets | 1.1285% | 1,940 |
| Return on assets (ROA) | 1.2094% | 1,717 |
| Pretax return on assets | 1.6344% | 1,226 |
| Return on Equity (ROE) | 11.2827% | 1,692 |
| Retained earnings to average equity (ytd only) | 9.4071% | 868 |
| Net charge-offs to loans | 0.0654% | 3,264 |
| Credit loss provision to net charge-offs | 242.4242% | 1,083 |
| Earnings coverage of net charge-offs (x) | 46.7868% | 1,020 |
| Efficiency ratio | 59.6340% | 5,237 |
| Assets per employee ($millions) | 5.6563% | 1,591 |
| Cash dividends to net income (ytd only)* | 16.6238% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 1,972 |
| Loan loss allowance to noncurrent loans | 87.5857% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 2,774 |
| Noncurrent loans to loans | 1.9409% | 1,647 |
| Net loans and leases to total assets | 51.1161% | 4,886 |
| Net loans and leases to deposits | 57.8021% | 5,116 |
| Net loans and leases to core deposits | 60.6992% | 5,144 |
| Total domestic deposits to total assets | 88.4330% | 1,540 |
| Equity capital to assets | 11.1865% | 2,778 |
| Core capital (leverage) ratio | 10.6292% | 2,890 |
| Tier 1 risk-based capital ratio | 17.9899% | 2,212 |
| Total risk-based capital ratio | 19.2436% | 2,170 |
| Memoranda: | ||
| Average total assets | $127,993,000 | 4,047 |
| Average earning assets | $120,520,250 | 3,973 |
| Average equity | $13,719,750 | 4,089 |
| Average total loans | $67,299,500 | 4,295 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7209% | 1,245 |
| Cost of funding earning assets | 0.9539% | 310 |
| Net interest margin | 3.7670% | 2,682 |
| Noninterest income to average assets | 0.4274% | 4,044 |
| Noninterest expense to average assets | 2.3945% | 4,896 |
| Loan and lease loss provision to assets | 0.0786% | 2,712 |
| Net operating income to assets | 1.1080% | 1,911 |
| Return on assets (ROA) | 1.1894% | 1,695 |
| Pretax return on assets | 1.6073% | 1,234 |
| Return on Equity (ROE) | 11.2632% | 1,642 |
| Retained earnings to average equity (ytd only) | 8.3916% | 1,178 |
| Net charge-offs to loans | 0.2590% | 1,515 |
| Credit loss provision to net charge-offs | 57.4713% | 2,674 |
| Earnings coverage of net charge-offs (x) | 11.5287% | 2,151 |
| Efficiency ratio | 60.3087% | 5,249 |
| Assets per employee ($millions) | 5.3657% | 1,818 |
| Cash dividends to net income (ytd only)* | 25.4954% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 2,622 |
| Loan loss allowance to noncurrent loans | 124.4159% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 3,722 |
| Noncurrent loans to loans | 1.2544% | 2,716 |
| Net loans and leases to total assets | 52.1634% | 4,731 |
| Net loans and leases to deposits | 58.9768% | 4,950 |
| Net loans and leases to core deposits | 61.7959% | 4,987 |
| Total domestic deposits to total assets | 88.4474% | 1,662 |
| Equity capital to assets | 10.9174% | 2,962 |
| Core capital (leverage) ratio | 10.3766% | 3,108 |
| Tier 1 risk-based capital ratio | 17.2453% | 2,520 |
| Total risk-based capital ratio | 18.4964% | 2,479 |
| Memoranda: | ||
| Average total assets | $127,292,670 | 4,088 |
| Average earning assets | $119,723,670 | 4,016 |
| Average equity | $13,442,000 | 4,147 |
| Average total loans | $67,183,000 | 4,323 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6886% | 1,281 |
| Cost of funding earning assets | 0.9734% | 307 |
| Net interest margin | 3.7151% | 2,806 |
| Noninterest income to average assets | 0.3445% | 4,618 |
| Noninterest expense to average assets | 2.3706% | 5,006 |
| Loan and lease loss provision to assets | 0.0632% | 2,858 |
| Net operating income to assets | 1.0438% | 2,029 |
| Return on assets (ROA) | 1.1031% | 1,862 |
| Pretax return on assets | 1.4761% | 1,505 |
| Return on Equity (ROE) | 10.6293% | 1,808 |
| Retained earnings to average equity (ytd only) | 4.7512% | 3,263 |
| Net charge-offs to loans | 0.1980% | 1,547 |
| Credit loss provision to net charge-offs | 60.6061% | 2,096 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,632 |
| Efficiency ratio | 61.8812% | 5,139 |
| Assets per employee ($millions) | 5.5531% | 1,658 |
| Cash dividends to net income (ytd only)* | 55.3009% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 2,576 |
| Loan loss allowance to noncurrent loans | 221.7923% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 3,763 |
| Noncurrent loans to loans | 0.7355% | 4,026 |
| Net loans and leases to total assets | 51.4171% | 4,736 |
| Net loans and leases to deposits | 57.7754% | 4,966 |
| Net loans and leases to core deposits | 60.5324% | 4,988 |
| Total domestic deposits to total assets | 88.9948% | 1,665 |
| Equity capital to assets | 10.5158% | 3,232 |
| Core capital (leverage) ratio | 10.2278% | 3,251 |
| Tier 1 risk-based capital ratio | 17.1150% | 2,635 |
| Total risk-based capital ratio | 18.3677% | 2,586 |
| Memoranda: | ||
| Average total assets | $126,551,000 | 4,134 |
| Average earning assets | $118,757,000 | 4,076 |
| Average equity | $13,133,500 | 4,210 |
| Average total loans | $66,655,000 | 4,367 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8398% | 1,226 |
| Cost of funding earning assets | 1.1594% | 216 |
| Net interest margin | 3.6805% | 3,131 |
| Noninterest income to average assets | 0.3565% | 4,747 |
| Noninterest expense to average assets | 2.2920% | 5,406 |
| Loan and lease loss provision to assets | 0.2039% | 1,823 |
| Net operating income to assets | 1.0277% | 2,212 |
| Return on assets (ROA) | 1.1344% | 1,880 |
| Pretax return on assets | 1.4422% | 1,645 |
| Return on Equity (ROE) | 10.8523% | 1,813 |
| Retained earnings to average equity (ytd only) | 9.6057% | 647 |
| Net charge-offs to loans | 0.0601% | 4,377 |
| Credit loss provision to net charge-offs | 653.8462% | 359 |
| Earnings coverage of net charge-offs (x) | 48.4615% | 816 |
| Efficiency ratio | 60.2691% | 5,436 |
| Assets per employee ($millions) | 5.4513% | 1,698 |
| Cash dividends to net income (ytd only)* | 11.4870% | 3,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 2,543 |
| Loan loss allowance to noncurrent loans | 195.2212% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.8199% | 3,839 |
| Noncurrent loans to loans | 0.8490% | 3,855 |
| Net loans and leases to total assets | 52.1989% | 4,821 |
| Net loans and leases to deposits | 58.4192% | 5,084 |
| Net loans and leases to core deposits | 61.2398% | 5,128 |
| Total domestic deposits to total assets | 89.3524% | 1,410 |
| Equity capital to assets | 10.2377% | 3,458 |
| Core capital (leverage) ratio | 10.1479% | 3,368 |
| Tier 1 risk-based capital ratio | 16.9009% | 2,656 |
| Total risk-based capital ratio | 18.1529% | 2,617 |
| Memoranda: | ||
| Average total assets | $125,089,600 | 4,160 |
| Average earning assets | $117,132,200 | 4,105 |
| Average equity | $13,075,600 | 4,250 |
| Average total loans | $64,871,800 | 4,445 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 1,339 |
| Cost of funding earning assets | 1.1948% | 204 |
| Net interest margin | 3.6084% | 3,408 |
| Noninterest income to average assets | 0.3551% | 4,854 |
| Noninterest expense to average assets | 2.2674% | 5,444 |
| Loan and lease loss provision to assets | 0.1760% | 2,067 |
| Net operating income to assets | 1.0176% | 2,306 |
| Return on assets (ROA) | 1.1145% | 2,022 |
| Pretax return on assets | 1.4131% | 1,893 |
| Return on Equity (ROE) | 10.6071% | 1,957 |
| Retained earnings to average equity (ytd only) | 8.9526% | 1,071 |
| Net charge-offs to loans | 0.0248% | 4,632 |
| Credit loss provision to net charge-offs | 1,375.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 114.5806% | 447 |
| Efficiency ratio | 60.7255% | 5,321 |
| Assets per employee ($millions) | 5.4980% | 1,621 |
| Cash dividends to net income (ytd only)* | 15.5982% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 3,348 |
| Loan loss allowance to noncurrent loans | 219.6617% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 4,262 |
| Noncurrent loans to loans | 0.6953% | 4,465 |
| Net loans and leases to total assets | 52.9762% | 4,754 |
| Net loans and leases to deposits | 59.2282% | 5,067 |
| Net loans and leases to core deposits | 62.3441% | 5,079 |
| Total domestic deposits to total assets | 89.4443% | 1,333 |
| Equity capital to assets | 10.1469% | 3,705 |
| Core capital (leverage) ratio | 9.8951% | 3,823 |
| Tier 1 risk-based capital ratio | 16.0084% | 3,190 |
| Total risk-based capital ratio | 17.2597% | 3,145 |
| Memoranda: | ||
| Average total assets | $125,017,000 | 4,205 |
| Average earning assets | $117,057,000 | 4,148 |
| Average equity | $13,135,500 | 4,285 |
| Average total loans | $64,452,250 | 4,512 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7793% | 1,376 |
| Cost of funding earning assets | 1.2394% | 183 |
| Net interest margin | 3.5398% | 3,610 |
| Noninterest income to average assets | 0.3437% | 4,938 |
| Noninterest expense to average assets | 2.2612% | 5,473 |
| Loan and lease loss provision to assets | 0.1686% | 2,228 |
| Net operating income to assets | 0.9643% | 2,491 |
| Return on assets (ROA) | 1.1001% | 2,042 |
| Pretax return on assets | 1.3972% | 1,942 |
| Return on Equity (ROE) | 10.3498% | 2,062 |
| Retained earnings to average equity (ytd only) | 7.8870% | 1,535 |
| Net charge-offs to loans | -0.0316% | 6,115 |
| Credit loss provision to net charge-offs | -1,050.0000% | 6,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8629% | 5,190 |
| Assets per employee ($millions) | 5.6721% | 1,440 |
| Cash dividends to net income (ytd only)* | 23.7956% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 3,239 |
| Loan loss allowance to noncurrent loans | 224.4395% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.7268% | 4,405 |
| Noncurrent loans to loans | 0.7019% | 4,535 |
| Net loans and leases to total assets | 50.1206% | 5,100 |
| Net loans and leases to deposits | 56.0009% | 5,345 |
| Net loans and leases to core deposits | 59.2795% | 5,319 |
| Total domestic deposits to total assets | 89.4997% | 1,325 |
| Equity capital to assets | 10.0916% | 3,804 |
| Core capital (leverage) ratio | 9.5512% | 4,159 |
| Tier 1 risk-based capital ratio | 16.3931% | 2,988 |
| Total risk-based capital ratio | 17.6447% | 2,948 |
| Memoranda: | ||
| Average total assets | $124,538,330 | 4,246 |
| Average earning assets | $116,503,330 | 4,189 |
| Average equity | $13,237,000 | 4,287 |
| Average total loans | $63,260,000 | 4,565 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7273% | 1,460 |
| Cost of funding earning assets | 1.2696% | 177 |
| Net interest margin | 3.4577% | 3,867 |
| Noninterest income to average assets | 0.3344% | 5,022 |
| Noninterest expense to average assets | 2.3084% | 5,403 |
| Loan and lease loss provision to assets | 0.1608% | 2,264 |
| Net operating income to assets | 0.8688% | 2,813 |
| Return on assets (ROA) | 1.0770% | 2,048 |
| Pretax return on assets | 1.3600% | 2,009 |
| Return on Equity (ROE) | 9.8827% | 2,105 |
| Retained earnings to average equity (ytd only) | 5.0741% | 3,191 |
| Net charge-offs to loans | -0.4563% | 6,842 |
| Credit loss provision to net charge-offs | -69.4444% | 5,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7430% | 4,878 |
| Assets per employee ($millions) | 6.0413% | 1,228 |
| Cash dividends to net income (ytd only)* | 48.6567% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 3,581 |
| Loan loss allowance to noncurrent loans | 160.7656% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.9246% | 4,084 |
| Noncurrent loans to loans | 0.9689% | 4,195 |
| Net loans and leases to total assets | 50.2152% | 4,962 |
| Net loans and leases to deposits | 56.8178% | 5,157 |
| Net loans and leases to core deposits | 60.3755% | 5,102 |
| Total domestic deposits to total assets | 88.3793% | 2,078 |
| Equity capital to assets | 10.6016% | 3,430 |
| Core capital (leverage) ratio | 9.4903% | 4,102 |
| Tier 1 risk-based capital ratio | 15.6459% | 3,452 |
| Total risk-based capital ratio | 16.8975% | 3,419 |
| Memoranda: | ||
| Average total assets | $124,414,000 | 4,295 |
| Average earning assets | $116,261,500 | 4,235 |
| Average equity | $13,559,000 | 4,275 |
| Average total loans | $63,117,500 | 4,595 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0030% | 1,550 |
| Cost of funding earning assets | 1.5617% | 123 |
| Net interest margin | 3.4412% | 4,735 |
| Noninterest income to average assets | 0.3944% | 4,653 |
| Noninterest expense to average assets | 2.2797% | 5,744 |
| Loan and lease loss provision to assets | 0.2225% | 2,906 |
| Net operating income to assets | 0.8923% | 2,857 |
| Return on assets (ROA) | 1.0349% | 2,391 |
| Pretax return on assets | 1.2718% | 2,516 |
| Return on Equity (ROE) | 9.5198% | 2,398 |
| Retained earnings to average equity (ytd only) | 8.4888% | 970 |
| Net charge-offs to loans | 0.9327% | 1,195 |
| Credit loss provision to net charge-offs | 47.5676% | 4,752 |
| Earnings coverage of net charge-offs (x) | 2.8180% | 4,018 |
| Efficiency ratio | 63.3638% | 5,004 |
| Assets per employee ($millions) | 5.8076% | 1,423 |
| Cash dividends to net income (ytd only)* | 10.8306% | 4,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 3,975 |
| Loan loss allowance to noncurrent loans | 112.9936% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 1.1323% | 3,765 |
| Noncurrent loans to loans | 1.2760% | 3,703 |
| Net loans and leases to total assets | 49.7155% | 5,206 |
| Net loans and leases to deposits | 56.5079% | 5,392 |
| Net loans and leases to core deposits | 60.1990% | 5,345 |
| Total domestic deposits to total assets | 87.9797% | 2,250 |
| Equity capital to assets | 11.2070% | 2,726 |
| Core capital (leverage) ratio | 9.6621% | 3,872 |
| Tier 1 risk-based capital ratio | 16.2769% | 3,008 |
| Total risk-based capital ratio | 17.5116% | 2,976 |
| Memoranda: | ||
| Average total assets | $118,653,800 | 4,389 |
| Average earning assets | $110,454,200 | 4,329 |
| Average equity | $12,899,400 | 4,382 |
| Average total loans | $59,504,200 | 4,731 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 1,629 |
| Cost of funding earning assets | 1.6220% | 116 |
| Net interest margin | 3.4024% | 5,028 |
| Noninterest income to average assets | 0.4017% | 4,626 |
| Noninterest expense to average assets | 2.2100% | 5,927 |
| Loan and lease loss provision to assets | 0.2535% | 2,543 |
| Net operating income to assets | 0.8955% | 3,003 |
| Return on assets (ROA) | 1.0659% | 2,443 |
| Pretax return on assets | 1.3104% | 2,555 |
| Return on Equity (ROE) | 9.8839% | 2,404 |
| Retained earnings to average equity (ytd only) | 8.4884% | 1,413 |
| Net charge-offs to loans | 0.6350% | 1,735 |
| Credit loss provision to net charge-offs | 79.7153% | 3,629 |
| Earnings coverage of net charge-offs (x) | 4.2562% | 3,361 |
| Efficiency ratio | 62.0197% | 5,145 |
| Assets per employee ($millions) | 5.7481% | 1,417 |
| Cash dividends to net income (ytd only)* | 14.1190% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8771% | 2,555 |
| Loan loss allowance to noncurrent loans | 90.1125% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.8540% | 2,857 |
| Noncurrent loans to loans | 2.0831% | 2,760 |
| Net loans and leases to total assets | 48.5440% | 5,487 |
| Net loans and leases to deposits | 55.1339% | 5,707 |
| Net loans and leases to core deposits | 59.0652% | 5,650 |
| Total domestic deposits to total assets | 88.0475% | 2,018 |
| Equity capital to assets | 11.0603% | 3,197 |
| Core capital (leverage) ratio | 9.5577% | 4,183 |
| Tier 1 risk-based capital ratio | 16.1258% | 3,208 |
| Total risk-based capital ratio | 17.3795% | 3,178 |
| Memoranda: | ||
| Average total assets | $117,827,250 | 4,450 |
| Average earning assets | $109,489,750 | 4,399 |
| Average equity | $12,707,250 | 4,462 |
| Average total loans | $59,000,250 | 4,799 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 1,690 |
| Cost of funding earning assets | 1.6633% | 117 |
| Net interest margin | 3.3764% | 5,186 |
| Noninterest income to average assets | 0.3970% | 4,675 |
| Noninterest expense to average assets | 2.1871% | 6,043 |
| Loan and lease loss provision to assets | 0.2807% | 2,337 |
| Net operating income to assets | 0.8854% | 2,977 |
| Return on assets (ROA) | 1.0474% | 2,488 |
| Pretax return on assets | 1.2613% | 2,688 |
| Return on Equity (ROE) | 9.7977% | 2,446 |
| Retained earnings to average equity (ytd only) | 7.6685% | 1,777 |
| Net charge-offs to loans | -0.0953% | 6,849 |
| Credit loss provision to net charge-offs | -585.7143% | 6,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8886% | 5,268 |
| Assets per employee ($millions) | 5.9470% | 1,273 |
| Cash dividends to net income (ytd only)* | 21.7320% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2828% | 1,624 |
| Loan loss allowance to noncurrent loans | 74.9863% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 2.4432% | 2,285 |
| Noncurrent loans to loans | 3.0443% | 1,933 |
| Net loans and leases to total assets | 49.3047% | 5,445 |
| Net loans and leases to deposits | 55.8398% | 5,667 |
| Net loans and leases to core deposits | 59.9223% | 5,598 |
| Total domestic deposits to total assets | 88.2966% | 1,959 |
| Equity capital to assets | 10.8836% | 3,250 |
| Core capital (leverage) ratio | 9.3807% | 4,322 |
| Tier 1 risk-based capital ratio | 15.8142% | 3,268 |
| Total risk-based capital ratio | 17.0733% | 3,227 |
| Memoranda: | ||
| Average total assets | $116,866,000 | 4,485 |
| Average earning assets | $108,578,670 | 4,450 |
| Average equity | $12,492,670 | 4,501 |
| Average total loans | $58,760,670 | 4,837 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9695% | 1,995 |
| Cost of funding earning assets | 1.6912% | 127 |
| Net interest margin | 3.2783% | 5,538 |
| Noninterest income to average assets | 0.4075% | 4,619 |
| Noninterest expense to average assets | 2.0962% | 6,279 |
| Loan and lease loss provision to assets | 0.3108% | 2,026 |
| Net operating income to assets | 0.8979% | 2,931 |
| Return on assets (ROA) | 1.0464% | 2,492 |
| Pretax return on assets | 1.2190% | 2,841 |
| Return on Equity (ROE) | 9.8806% | 2,440 |
| Retained earnings to average equity (ytd only) | 5.5436% | 3,232 |
| Net charge-offs to loans | -0.2339% | 7,023 |
| Credit loss provision to net charge-offs | -264.7059% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7000% | 5,507 |
| Assets per employee ($millions) | 5.8664% | 1,366 |
| Cash dividends to net income (ytd only)* | 43.8944% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2293% | 1,828 |
| Loan loss allowance to noncurrent loans | 73.1872% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 2.4359% | 2,425 |
| Noncurrent loans to loans | 3.0461% | 2,119 |
| Net loans and leases to total assets | 48.6678% | 5,473 |
| Net loans and leases to deposits | 54.8373% | 5,722 |
| Net loans and leases to core deposits | 58.8573% | 5,639 |
| Total domestic deposits to total assets | 88.7495% | 1,849 |
| Equity capital to assets | 10.4348% | 3,574 |
| Core capital (leverage) ratio | 9.3454% | 4,292 |
| Tier 1 risk-based capital ratio | 15.8954% | 3,223 |
| Total risk-based capital ratio | 17.1530% | 3,192 |
| Memoranda: | ||
| Average total assets | $115,829,000 | 4,548 |
| Average earning assets | $107,617,000 | 4,498 |
| Average equity | $12,266,500 | 4,564 |
| Average total loans | $58,134,500 | 4,899 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 1,478 |
| Cost of funding earning assets | 1.9867% | 107 |
| Net interest margin | 3.3894% | 5,516 |
| Noninterest income to average assets | 0.3801% | 4,786 |
| Noninterest expense to average assets | 2.2015% | 6,266 |
| Loan and lease loss provision to assets | 0.7603% | 1,318 |
| Net operating income to assets | 0.5907% | 4,049 |
| Return on assets (ROA) | 0.8532% | 2,959 |
| Pretax return on assets | 0.8551% | 3,762 |
| Return on Equity (ROE) | 8.4634% | 2,690 |
| Retained earnings to average equity (ytd only) | 7.3964% | 1,317 |
| Net charge-offs to loans | 0.4520% | 3,173 |
| Credit loss provision to net charge-offs | 323.2558% | 720 |
| Earnings coverage of net charge-offs (x) | 5.7519% | 2,693 |
| Efficiency ratio | 61.9390% | 5,474 |
| Assets per employee ($millions) | 6.0174% | 1,217 |
| Cash dividends to net income (ytd only)* | 12.6068% | 3,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0357% | 2,167 |
| Loan loss allowance to noncurrent loans | 135.7143% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 1.2718% | 4,099 |
| Noncurrent loans to loans | 1.5000% | 3,899 |
| Net loans and leases to total assets | 49.5828% | 5,649 |
| Net loans and leases to deposits | 56.0418% | 5,892 |
| Net loans and leases to core deposits | 60.2506% | 5,829 |
| Total domestic deposits to total assets | 88.4746% | 1,867 |
| Equity capital to assets | 10.7496% | 3,247 |
| Core capital (leverage) ratio | 9.4035% | 4,178 |
| Tier 1 risk-based capital ratio | 15.8443% | 3,133 |
| Total risk-based capital ratio | 17.1011% | 3,091 |
| Memoranda: | ||
| Average total assets | $109,698,600 | 4,646 |
| Average earning assets | $102,733,000 | 4,569 |
| Average equity | $11,059,400 | 4,765 |
| Average total loans | $57,081,800 | 4,981 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4178% | 1,461 |
| Cost of funding earning assets | 2.0417% | 103 |
| Net interest margin | 3.3761% | 5,647 |
| Noninterest income to average assets | 0.3820% | 4,790 |
| Noninterest expense to average assets | 2.1988% | 6,284 |
| Loan and lease loss provision to assets | 0.9999% | 860 |
| Net operating income to assets | 0.3820% | 5,073 |
| Return on assets (ROA) | 0.5663% | 4,411 |
| Pretax return on assets | 0.5343% | 5,026 |
| Return on Equity (ROE) | 5.7167% | 4,166 |
| Retained earnings to average equity (ytd only) | 4.2534% | 3,701 |
| Net charge-offs to loans | 0.5883% | 2,494 |
| Credit loss provision to net charge-offs | 324.3028% | 862 |
| Earnings coverage of net charge-offs (x) | 4.3785% | 3,087 |
| Efficiency ratio | 61.9592% | 5,414 |
| Assets per employee ($millions) | 5.9297% | 1,253 |
| Cash dividends to net income (ytd only)* | 25.5967% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0216% | 2,276 |
| Loan loss allowance to noncurrent loans | 175.4518% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 1.1885% | 4,412 |
| Noncurrent loans to loans | 1.1522% | 4,614 |
| Net loans and leases to total assets | 50.1167% | 5,689 |
| Net loans and leases to deposits | 56.5369% | 5,976 |
| Net loans and leases to core deposits | 60.5012% | 5,943 |
| Total domestic deposits to total assets | 88.6442% | 1,665 |
| Equity capital to assets | 10.4948% | 3,711 |
| Core capital (leverage) ratio | 9.1457% | 4,719 |
| Tier 1 risk-based capital ratio | 15.1673% | 3,568 |
| Total risk-based capital ratio | 16.4229% | 3,529 |
| Memoranda: | ||
| Average total assets | $108,540,750 | 4,707 |
| Average earning assets | $101,810,250 | 4,622 |
| Average equity | $10,751,750 | 4,857 |
| Average total loans | $56,885,750 | 5,039 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4173% | 1,513 |
| Cost of funding earning assets | 2.1034% | 100 |
| Net interest margin | 3.3139% | 5,815 |
| Noninterest income to average assets | 0.3677% | 4,936 |
| Noninterest expense to average assets | 2.1798% | 6,426 |
| Loan and lease loss provision to assets | 0.5300% | 1,842 |
| Net operating income to assets | 0.6848% | 3,628 |
| Return on assets (ROA) | 0.8342% | 3,041 |
| Pretax return on assets | 0.9443% | 3,458 |
| Return on Equity (ROE) | 8.6008% | 2,679 |
| Retained earnings to average equity (ytd only) | 6.3304% | 2,225 |
| Net charge-offs to loans | 0.4379% | 2,821 |
| Credit loss provision to net charge-offs | 229.0323% | 1,316 |
| Earnings coverage of net charge-offs (x) | 5.6371% | 2,570 |
| Efficiency ratio | 62.5603% | 5,487 |
| Assets per employee ($millions) | 5.8279% | 1,283 |
| Cash dividends to net income (ytd only)* | 26.3982% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 4,933 |
| Loan loss allowance to noncurrent loans | 53.9278% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 1.6039% | 3,793 |
| Noncurrent loans to loans | 2.4629% | 2,925 |
| Net loans and leases to total assets | 51.1230% | 5,678 |
| Net loans and leases to deposits | 57.1329% | 6,036 |
| Net loans and leases to core deposits | 61.1447% | 5,983 |
| Total domestic deposits to total assets | 89.4808% | 1,254 |
| Equity capital to assets | 9.9511% | 4,219 |
| Core capital (leverage) ratio | 9.2536% | 4,320 |
| Tier 1 risk-based capital ratio | 13.9309% | 4,220 |
| Total risk-based capital ratio | 14.9834% | 4,331 |
| Memoranda: | ||
| Average total assets | $107,166,000 | 4,775 |
| Average earning assets | $100,789,000 | 4,689 |
| Average equity | $10,394,330 | 4,953 |
| Average total loans | $56,638,000 | 5,096 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3881% | 1,600 |
| Cost of funding earning assets | 2.1464% | 102 |
| Net interest margin | 3.2417% | 5,950 |
| Noninterest income to average assets | 0.3644% | 4,998 |
| Noninterest expense to average assets | 2.1863% | 6,452 |
| Loan and lease loss provision to assets | 0.5238% | 1,660 |
| Net operating income to assets | 0.6352% | 3,834 |
| Return on assets (ROA) | 0.8123% | 3,030 |
| Pretax return on assets | 0.9223% | 3,421 |
| Return on Equity (ROE) | 8.4904% | 2,696 |
| Retained earnings to average equity (ytd only) | 3.8088% | 3,886 |
| Net charge-offs to loans | 0.1280% | 3,749 |
| Credit loss provision to net charge-offs | 766.6667% | 490 |
| Earnings coverage of net charge-offs (x) | 18.2222% | 1,190 |
| Efficiency ratio | 63.7168% | 5,408 |
| Assets per employee ($millions) | 5.9532% | 1,228 |
| Cash dividends to net income (ytd only)* | 55.1402% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 5,262 |
| Loan loss allowance to noncurrent loans | 56.2305% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.1982% | 4,560 |
| Noncurrent loans to loans | 2.2694% | 3,233 |
| Net loans and leases to total assets | 52.1249% | 5,567 |
| Net loans and leases to deposits | 57.8861% | 5,936 |
| Net loans and leases to core deposits | 62.0539% | 5,918 |
| Total domestic deposits to total assets | 90.0474% | 1,125 |
| Equity capital to assets | 9.4636% | 4,486 |
| Core capital (leverage) ratio | 9.3542% | 4,048 |
| Tier 1 risk-based capital ratio | 14.9808% | 3,435 |
| Total risk-based capital ratio | 16.0787% | 3,482 |
| Memoranda: | ||
| Average total assets | $105,383,500 | 4,855 |
| Average earning assets | $99,700,500 | 4,749 |
| Average equity | $10,082,000 | 5,027 |
| Average total loans | $56,271,500 | 5,162 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6186% | 1,825 |
| Cost of funding earning assets | 2.4605% | 126 |
| Net interest margin | 3.1581% | 6,369 |
| Noninterest income to average assets | 0.4436% | 4,572 |
| Noninterest expense to average assets | 2.3230% | 6,295 |
| Loan and lease loss provision to assets | 0.3902% | 3,773 |
| Net operating income to assets | 0.6329% | 3,519 |
| Return on assets (ROA) | 0.8021% | 2,922 |
| Pretax return on assets | 0.8893% | 3,339 |
| Return on Equity (ROE) | 7.8429% | 2,760 |
| Retained earnings to average equity (ytd only) | 6.9492% | 1,346 |
| Net charge-offs to loans | 0.6489% | 3,066 |
| Credit loss provision to net charge-offs | 107.6487% | 4,120 |
| Earnings coverage of net charge-offs (x) | 3.0113% | 3,564 |
| Efficiency ratio | 68.0301% | 4,557 |
| Assets per employee ($millions) | 5.4531% | 1,632 |
| Cash dividends to net income (ytd only)* | 11.3956% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 6,053 |
| Loan loss allowance to noncurrent loans | 51.6323% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 1.1235% | 4,764 |
| Noncurrent loans to loans | 2.0799% | 3,449 |
| Net loans and leases to total assets | 53.4355% | 5,708 |
| Net loans and leases to deposits | 59.3703% | 6,117 |
| Net loans and leases to core deposits | 63.3702% | 6,113 |
| Total domestic deposits to total assets | 90.0038% | 1,099 |
| Equity capital to assets | 9.6739% | 4,177 |
| Core capital (leverage) ratio | 9.3779% | 3,885 |
| Tier 1 risk-based capital ratio | 15.2590% | 3,124 |
| Total risk-based capital ratio | 16.1997% | 3,232 |
| Memoranda: | ||
| Average total assets | $97,375,400 | 5,068 |
| Average earning assets | $91,606,400 | 4,961 |
| Average equity | $9,958,000 | 5,150 |
| Average total loans | $54,397,000 | 5,300 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6409% | 1,911 |
| Cost of funding earning assets | 2.4886% | 145 |
| Net interest margin | 3.1522% | 6,479 |
| Noninterest income to average assets | 0.4703% | 4,414 |
| Noninterest expense to average assets | 2.3350% | 6,221 |
| Loan and lease loss provision to assets | 0.3340% | 3,933 |
| Net operating income to assets | 0.6839% | 3,499 |
| Return on assets (ROA) | 0.8279% | 3,029 |
| Pretax return on assets | 0.9226% | 3,480 |
| Return on Equity (ROE) | 7.9796% | 2,906 |
| Retained earnings to average equity (ytd only) | 6.7860% | 1,950 |
| Net charge-offs to loans | 0.0716% | 5,795 |
| Credit loss provision to net charge-offs | 827.5862% | 362 |
| Earnings coverage of net charge-offs (x) | 27.1694% | 939 |
| Efficiency ratio | 68.0454% | 4,458 |
| Assets per employee ($millions) | 5.6549% | 1,498 |
| Cash dividends to net income (ytd only)* | 14.9576% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 4,569 |
| Loan loss allowance to noncurrent loans | 103.6988% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.7437% | 5,616 |
| Noncurrent loans to loans | 1.3316% | 4,635 |
| Net loans and leases to total assets | 55.0811% | 5,686 |
| Net loans and leases to deposits | 62.3108% | 6,090 |
| Net loans and leases to core deposits | 65.9522% | 6,127 |
| Total domestic deposits to total assets | 88.3975% | 1,727 |
| Equity capital to assets | 10.6987% | 3,289 |
| Core capital (leverage) ratio | 9.6695% | 3,662 |
| Tier 1 risk-based capital ratio | 15.0135% | 3,246 |
| Total risk-based capital ratio | 16.2475% | 3,238 |
| Memoranda: | ||
| Average total assets | $95,817,000 | 5,164 |
| Average earning assets | $90,007,750 | 5,067 |
| Average equity | $9,941,750 | 5,215 |
| Average total loans | $54,005,000 | 5,390 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6367% | 1,994 |
| Cost of funding earning assets | 2.5264% | 161 |
| Net interest margin | 3.1103% | 6,583 |
| Noninterest income to average assets | 0.4839% | 4,249 |
| Noninterest expense to average assets | 2.3725% | 6,141 |
| Loan and lease loss provision to assets | 0.2664% | 4,260 |
| Net operating income to assets | 0.7098% | 3,361 |
| Return on assets (ROA) | 0.7951% | 3,142 |
| Pretax return on assets | 0.8548% | 3,683 |
| Return on Equity (ROE) | 7.7501% | 2,988 |
| Retained earnings to average equity (ytd only) | 5.9009% | 2,393 |
| Net charge-offs to loans | 0.0452% | 5,750 |
| Credit loss provision to net charge-offs | 1,041.6667% | 358 |
| Earnings coverage of net charge-offs (x) | 40.2500% | 726 |
| Efficiency ratio | 69.7368% | 4,237 |
| Assets per employee ($millions) | 5.3662% | 1,738 |
| Cash dividends to net income (ytd only)* | 23.8606% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 5,201 |
| Loan loss allowance to noncurrent loans | 110.4502% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.7754% | 5,575 |
| Noncurrent loans to loans | 1.1295% | 5,069 |
| Net loans and leases to total assets | 56.3013% | 5,656 |
| Net loans and leases to deposits | 63.2165% | 6,115 |
| Net loans and leases to core deposits | 67.0596% | 6,147 |
| Total domestic deposits to total assets | 89.0611% | 1,398 |
| Equity capital to assets | 10.3705% | 3,559 |
| Core capital (leverage) ratio | 9.8235% | 3,369 |
| Tier 1 risk-based capital ratio | 15.0499% | 3,132 |
| Total risk-based capital ratio | 16.1582% | 3,174 |
| Memoranda: | ||
| Average total assets | $93,826,670 | 5,255 |
| Average earning assets | $88,031,000 | 5,170 |
| Average equity | $9,625,670 | 5,308 |
| Average total loans | $53,056,330 | 5,464 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5603% | 2,322 |
| Cost of funding earning assets | 2.5539% | 190 |
| Net interest margin | 3.0064% | 6,819 |
| Noninterest income to average assets | 0.4760% | 4,238 |
| Noninterest expense to average assets | 2.2716% | 6,475 |
| Loan and lease loss provision to assets | 0.3029% | 3,613 |
| Net operating income to assets | 0.6693% | 3,578 |
| Return on assets (ROA) | 0.7659% | 3,244 |
| Pretax return on assets | 0.8221% | 3,782 |
| Return on Equity (ROE) | 7.5080% | 3,112 |
| Retained earnings to average equity (ytd only) | 3.7328% | 3,916 |
| Net charge-offs to loans | -0.0307% | 7,203 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9882% | 4,508 |
| Assets per employee ($millions) | 5.2383% | 1,928 |
| Cash dividends to net income (ytd only)* | 50.2825% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 5,266 |
| Loan loss allowance to noncurrent loans | 103.3493% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 5,558 |
| Noncurrent loans to loans | 1.2020% | 4,957 |
| Net loans and leases to total assets | 54.6368% | 5,936 |
| Net loans and leases to deposits | 61.2496% | 6,343 |
| Net loans and leases to core deposits | 65.2378% | 6,345 |
| Total domestic deposits to total assets | 89.2035% | 1,415 |
| Equity capital to assets | 10.1347% | 3,695 |
| Core capital (leverage) ratio | 9.9125% | 3,272 |
| Tier 1 risk-based capital ratio | 14.9645% | 3,127 |
| Total risk-based capital ratio | 16.0263% | 3,180 |
| Memoranda: | ||
| Average total assets | $92,444,500 | 5,370 |
| Average earning assets | $86,614,000 | 5,284 |
| Average equity | $9,430,000 | 5,415 |
| Average total loans | $52,050,000 | 5,582 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8791% | 2,330 |
| Cost of funding earning assets | 2.8073% | 438 |
| Net interest margin | 3.0718% | 6,465 |
| Noninterest income to average assets | 0.4834% | 4,542 |
| Noninterest expense to average assets | 2.4646% | 6,255 |
| Loan and lease loss provision to assets | 0.2627% | 5,305 |
| Net operating income to assets | 0.6526% | 3,129 |
| Return on assets (ROA) | 0.7040% | 2,986 |
| Pretax return on assets | 0.6958% | 3,591 |
| Return on Equity (ROE) | 6.8484% | 2,845 |
| Retained earnings to average equity (ytd only) | 6.8484% | 1,019 |
| Net charge-offs to loans | 0.2045% | 5,352 |
| Credit loss provision to net charge-offs | 229.5918% | 1,607 |
| Earnings coverage of net charge-offs (x) | 7.9286% | 2,037 |
| Efficiency ratio | 73.0956% | 4,075 |
| Assets per employee ($millions) | 5.0333% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 5,871 |
| Loan loss allowance to noncurrent loans | 70.2570% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 0.9018% | 5,296 |
| Noncurrent loans to loans | 1.5731% | 4,292 |
| Net loans and leases to total assets | 56.6905% | 5,872 |
| Net loans and leases to deposits | 63.4745% | 6,327 |
| Net loans and leases to core deposits | 91.3133% | 4,974 |
| Total domestic deposits to total assets | 89.3122% | 1,324 |
| Equity capital to assets | 10.2694% | 3,437 |
| Core capital (leverage) ratio | 10.1278% | 2,971 |
| Tier 1 risk-based capital ratio | 15.2744% | 2,812 |
| Total risk-based capital ratio | 16.2421% | 2,891 |
| Memoranda: | ||
| Average total assets | $85,652,200 | 5,538 |
| Average earning assets | $80,539,600 | 5,438 |
| Average equity | $8,805,000 | 5,664 |
| Average total loans | $47,933,200 | 5,761 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8842% | 2,516 |
| Cost of funding earning assets | 2.8372% | 542 |
| Net interest margin | 3.0470% | 6,471 |
| Noninterest income to average assets | 0.4928% | 4,545 |
| Noninterest expense to average assets | 2.4323% | 6,302 |
| Loan and lease loss provision to assets | 0.2132% | 5,278 |
| Net operating income to assets | 0.7080% | 3,175 |
| Return on assets (ROA) | 0.7502% | 3,080 |
| Pretax return on assets | 0.7566% | 3,683 |
| Return on Equity (ROE) | 7.2961% | 2,951 |
| Retained earnings to average equity (ytd only) | 7.2961% | 1,397 |
| Net charge-offs to loans | 0.0710% | 5,979 |
| Credit loss provision to net charge-offs | 540.0000% | 726 |
| Earnings coverage of net charge-offs (x) | 23.4818% | 1,119 |
| Efficiency ratio | 72.4024% | 4,175 |
| Assets per employee ($millions) | 4.9159% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 5,659 |
| Loan loss allowance to noncurrent loans | 63.7300% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9877% | 5,089 |
| Noncurrent loans to loans | 1.7431% | 4,014 |
| Net loans and leases to total assets | 56.0353% | 6,136 |
| Net loans and leases to deposits | 63.1796% | 6,571 |
| Net loans and leases to core deposits | 89.8391% | 5,447 |
| Total domestic deposits to total assets | 88.6921% | 1,344 |
| Equity capital to assets | 10.6603% | 3,332 |
| Core capital (leverage) ratio | 10.3055% | 2,968 |
| Tier 1 risk-based capital ratio | 14.5701% | 3,238 |
| Total risk-based capital ratio | 15.4796% | 3,369 |
| Memoranda: | ||
| Average total assets | $84,415,500 | 5,608 |
| Average earning assets | $79,420,000 | 5,511 |
| Average equity | $8,680,250 | 5,758 |
| Average total loans | $46,932,750 | 5,852 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9270% | 2,470 |
| Cost of funding earning assets | 2.8790% | 641 |
| Net interest margin | 3.0480% | 6,411 |
| Noninterest income to average assets | 0.4816% | 4,614 |
| Noninterest expense to average assets | 2.3815% | 6,519 |
| Loan and lease loss provision to assets | 0.2456% | 4,615 |
| Net operating income to assets | 0.7133% | 3,197 |
| Return on assets (ROA) | 0.7681% | 3,078 |
| Pretax return on assets | 0.7754% | 3,761 |
| Return on Equity (ROE) | 7.5688% | 2,939 |
| Retained earnings to average equity (ytd only) | 7.5688% | 1,368 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1511% | 4,571 |
| Assets per employee ($millions) | 4.7235% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 5,307 |
| Loan loss allowance to noncurrent loans | 76.3889% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 5,293 |
| Noncurrent loans to loans | 1.4981% | 4,251 |
| Net loans and leases to total assets | 55.8813% | 6,218 |
| Net loans and leases to deposits | 62.4386% | 6,706 |
| Net loans and leases to core deposits | 88.8772% | 5,648 |
| Total domestic deposits to total assets | 89.4981% | 1,043 |
| Equity capital to assets | 10.2043% | 3,713 |
| Core capital (leverage) ratio | 10.3672% | 2,934 |
| Tier 1 risk-based capital ratio | 14.4825% | 3,253 |
| Total risk-based capital ratio | 15.3911% | 3,373 |
| Memoranda: | ||
| Average total assets | $83,058,330 | 5,697 |
| Average earning assets | $78,084,000 | 5,594 |
| Average equity | $8,429,330 | 5,873 |
| Average total loans | $45,863,330 | 5,937 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8747% | 2,917 |
| Cost of funding earning assets | 2.9296% | 716 |
| Net interest margin | 2.9451% | 6,626 |
| Noninterest income to average assets | 0.4922% | 4,393 |
| Noninterest expense to average assets | 2.3052% | 6,522 |
| Loan and lease loss provision to assets | 0.2047% | 4,404 |
| Net operating income to assets | 0.7798% | 3,215 |
| Return on assets (ROA) | 0.7554% | 3,503 |
| Pretax return on assets | 0.7310% | 4,319 |
| Return on Equity (ROE) | 7.4645% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.4645% | 2,036 |
| Net charge-offs to loans | -0.1340% | 7,948 |
| Credit loss provision to net charge-offs | -280.0000% | 6,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5970% | 4,454 |
| Assets per employee ($millions) | 4.6601% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 5,450 |
| Loan loss allowance to noncurrent loans | 223.4513% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 6,698 |
| Noncurrent loans to loans | 0.4935% | 6,192 |
| Net loans and leases to total assets | 53.9889% | 6,468 |
| Net loans and leases to deposits | 60.2621% | 6,875 |
| Net loans and leases to core deposits | 86.6422% | 5,857 |
| Total domestic deposits to total assets | 89.5901% | 976 |
| Equity capital to assets | 10.0451% | 3,951 |
| Core capital (leverage) ratio | 10.4025% | 3,025 |
| Tier 1 risk-based capital ratio | 15.8923% | 2,727 |
| Total risk-based capital ratio | 16.8252% | 2,760 |
| Memoranda: | ||
| Average total assets | $82,076,000 | 5,746 |
| Average earning assets | $77,280,000 | 5,644 |
| Average equity | $8,306,000 | 5,954 |
| Average total loans | $44,764,000 | 6,027 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1771% | 4,631 |
| Cost of funding earning assets | 3.1954% | 1,206 |
| Net interest margin | 2.9818% | 6,960 |
| Noninterest income to average assets | 0.5518% | 4,216 |
| Noninterest expense to average assets | 2.4333% | 6,287 |
| Loan and lease loss provision to assets | 0.1747% | 5,153 |
| Net operating income to assets | 0.8869% | 3,053 |
| Return on assets (ROA) | 0.3364% | 5,235 |
| Pretax return on assets | 0.1997% | 5,730 |
| Return on Equity (ROE) | 3.1391% | 5,179 |
| Retained earnings to average equity (ytd only) | 3.1391% | 3,201 |
| Net charge-offs to loans | 0.1671% | 4,529 |
| Credit loss provision to net charge-offs | 201.5152% | 2,410 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 2,479 |
| Efficiency ratio | 72.4570% | 3,851 |
| Assets per employee ($millions) | 4.4594% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 5,840 |
| Loan loss allowance to noncurrent loans | 406.3636% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 7,031 |
| Noncurrent loans to loans | 0.2515% | 6,632 |
| Net loans and leases to total assets | 53.9292% | 6,662 |
| Net loans and leases to deposits | 60.2902% | 7,061 |
| Net loans and leases to core deposits | 87.7130% | 5,995 |
| Total domestic deposits to total assets | 89.4494% | 866 |
| Equity capital to assets | 10.1981% | 3,811 |
| Core capital (leverage) ratio | 10.8460% | 2,706 |
| Tier 1 risk-based capital ratio | 16.5975% | 2,450 |
| Total risk-based capital ratio | 17.4721% | 2,512 |
| Memoranda: | ||
| Average total assets | $76,110,400 | 5,829 |
| Average earning assets | $71,635,200 | 5,757 |
| Average equity | $8,155,200 | 6,021 |
| Average total loans | $39,489,000 | 6,193 |