Home > Horizon Financial Bank > Performance and Condition Ratios
Horizon Financial 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 | 5.0023% | 2,064 |
| Cost of funding earning assets | 1.6645% | 1,531 |
| Net interest margin | 3.3378% | 2,538 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.2092% | 3,093 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7912% | 2,897 |
| Return on assets (ROA) | 0.8018% | 2,847 |
| Pretax return on assets | 1.0075% | 2,668 |
| Return on Equity (ROE) | 7.8500% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.8475% | 1,590 |
| Net charge-offs to loans | -0.0008% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.6779% | 2,037 |
| Assets per employee ($millions) | 6.3188% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 2,890 |
| Loan loss allowance to noncurrent loans | 1,135.5556% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,090 |
| Noncurrent loans to loans | 0.0960% | 3,059 |
| Net loans and leases to total assets | 73.3700% | 1,430 |
| Net loans and leases to deposits | 83.8641% | 1,790 |
| Net loans and leases to core deposits | 95.7344% | 1,667 |
| Total domestic deposits to total assets | 87.4900% | 1,521 |
| Equity capital to assets | 10.7373% | 1,610 |
| Core capital (leverage) ratio | 11.6392% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $188,578,200 | 3,063 |
| Average earning assets | $172,120,000 | 3,079 |
| Average equity | $19,267,400 | 2,924 |
| Average total loans | $124,616,000 | 2,907 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 2,065 |
| Cost of funding earning assets | 1.5610% | 1,452 |
| Net interest margin | 3.3359% | 2,606 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.2378% | 2,972 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7901% | 3,050 |
| Return on assets (ROA) | 0.8007% | 3,019 |
| Pretax return on assets | 0.9699% | 2,930 |
| Return on Equity (ROE) | 7.9400% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.9384% | 1,987 |
| Net charge-offs to loans | 0.0011% | 2,582 |
| Credit loss provision to net charge-offs | 2,500.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 1,377.0000% | 117 |
| Efficiency ratio | 69.6562% | 1,827 |
| Assets per employee ($millions) | 5.6535% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,466 |
| Loan loss allowance to noncurrent loans | 315.0206% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 1,962 |
| Noncurrent loans to loans | 0.3751% | 1,891 |
| Net loans and leases to total assets | 68.6300% | 1,982 |
| Net loans and leases to deposits | 76.9679% | 2,335 |
| Net loans and leases to core deposits | 87.8433% | 2,059 |
| Total domestic deposits to total assets | 89.1700% | 1,195 |
| Equity capital to assets | 10.2896% | 1,652 |
| Core capital (leverage) ratio | 11.5539% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $188,331,750 | 3,075 |
| Average earning assets | $172,022,750 | 3,081 |
| Average equity | $18,995,750 | 2,937 |
| Average total loans | $120,616,500 | 2,951 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 2,018 |
| Cost of funding earning assets | 1.3908% | 1,471 |
| Net interest margin | 3.3972% | 2,525 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.2645% | 2,903 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8094% | 3,051 |
| Return on assets (ROA) | 0.8226% | 3,019 |
| Pretax return on assets | 0.9951% | 2,924 |
| Return on Equity (ROE) | 8.2100% | 3,183 |
| Retained earnings to average equity (ytd only) | 8.2098% | 1,903 |
| Net charge-offs to loans | 0.0017% | 2,328 |
| Credit loss provision to net charge-offs | 2,500.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 950.0000% | 156 |
| Efficiency ratio | 69.2457% | 1,840 |
| Assets per employee ($millions) | 5.4116% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,386 |
| Loan loss allowance to noncurrent loans | 1,000.6536% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 2,957 |
| Noncurrent loans to loans | 0.1210% | 2,871 |
| Net loans and leases to total assets | 67.8700% | 1,970 |
| Net loans and leases to deposits | 76.1783% | 2,296 |
| Net loans and leases to core deposits | 85.4694% | 2,112 |
| Total domestic deposits to total assets | 89.0900% | 1,226 |
| Equity capital to assets | 10.4388% | 1,625 |
| Core capital (leverage) ratio | 11.0745% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $188,920,000 | 3,071 |
| Average earning assets | $172,847,333 | 3,083 |
| Average equity | $18,928,667 | 2,958 |
| Average total loans | $117,628,333 | 2,974 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 2,117 |
| Cost of funding earning assets | 1.0401% | 1,917 |
| Net interest margin | 3.5467% | 2,246 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.3012% | 2,812 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8955% | 2,873 |
| Return on assets (ROA) | 0.8820% | 2,870 |
| Pretax return on assets | 1.0827% | 2,758 |
| Return on Equity (ROE) | 8.9800% | 3,054 |
| Retained earnings to average equity (ytd only) | 8.9837% | 1,957 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.6706% | 2,013 |
| Assets per employee ($millions) | 6.6024% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 1,515 |
| Loan loss allowance to noncurrent loans | 150,700.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,946 |
| Noncurrent loans to loans | 0.0009% | 3,874 |
| Net loans and leases to total assets | 52.6300% | 3,305 |
| Net loans and leases to deposits | 58.4960% | 3,425 |
| Net loans and leases to core deposits | 64.7637% | 3,301 |
| Total domestic deposits to total assets | 89.9700% | 1,166 |
| Equity capital to assets | 9.6930% | 2,000 |
| Core capital (leverage) ratio | 10.2552% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $191,382,000 | 3,091 |
| Average earning assets | $175,375,500 | 3,098 |
| Average equity | $18,789,500 | 2,995 |
| Average total loans | $113,242,000 | 3,058 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2724% | 3,659 |
| Cost of funding earning assets | 0.4008% | 2,097 |
| Net interest margin | 2.8716% | 3,750 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.1345% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5447% | 4,004 |
| Return on assets (ROA) | 0.5386% | 3,973 |
| Pretax return on assets | 0.6162% | 4,004 |
| Return on Equity (ROE) | 5.4500% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.4537% | 2,849 |
| Net charge-offs to loans | 0.0097% | 2,014 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 115.7000% | 903 |
| Efficiency ratio | 77.4023% | 893 |
| Assets per employee ($millions) | 5.9578% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,164 |
| Loan loss allowance to noncurrent loans | 8,864.7059% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 3,805 |
| Noncurrent loans to loans | 0.0141% | 3,735 |
| Net loans and leases to total assets | 64.5600% | 2,189 |
| Net loans and leases to deposits | 71.8416% | 2,422 |
| Net loans and leases to core deposits | 73.8960% | 2,571 |
| Total domestic deposits to total assets | 89.8600% | 1,429 |
| Equity capital to assets | 9.9516% | 1,729 |
| Core capital (leverage) ratio | 10.5686% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $185,664,400 | 3,139 |
| Average earning assets | $168,896,200 | 3,168 |
| Average equity | $18,336,200 | 3,096 |
| Average total loans | $103,488,400 | 3,099 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9797% | 3,919 |
| Cost of funding earning assets | 0.2910% | 2,268 |
| Net interest margin | 2.6887% | 3,953 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.0763% | 3,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4235% | 4,201 |
| Return on assets (ROA) | 0.4153% | 4,158 |
| Pretax return on assets | 0.5049% | 4,142 |
| Return on Equity (ROE) | 4.2100% | 4,117 |
| Retained earnings to average equity (ytd only) | 4.2127% | 3,372 |
| Net charge-offs to loans | 0.0094% | 1,776 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 102.5714% | 938 |
| Efficiency ratio | 80.1273% | 768 |
| Assets per employee ($millions) | 6.5881% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 1,573 |
| Loan loss allowance to noncurrent loans | 15,100.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,958 |
| Noncurrent loans to loans | 0.0093% | 3,882 |
| Net loans and leases to total assets | 55.2100% | 2,983 |
| Net loans and leases to deposits | 60.9817% | 3,112 |
| Net loans and leases to core deposits | 62.0723% | 3,237 |
| Total domestic deposits to total assets | 90.5300% | 1,428 |
| Equity capital to assets | 9.2100% | 2,070 |
| Core capital (leverage) ratio | 10.3229% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $185,907,250 | 3,164 |
| Average earning assets | $169,096,750 | 3,187 |
| Average equity | $18,325,250 | 3,132 |
| Average total loans | $99,176,500 | 3,165 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7446% | 4,077 |
| Cost of funding earning assets | 0.2422% | 2,366 |
| Net interest margin | 2.5024% | 4,081 |
| Noninterest income to average assets | 0.1444% | 4,296 |
| Noninterest expense to average assets | 2.0652% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3018% | 4,285 |
| Return on assets (ROA) | 0.2888% | 4,258 |
| Pretax return on assets | 0.3409% | 4,237 |
| Return on Equity (ROE) | 2.8651% | 4,230 |
| Retained earnings to average equity (ytd only) | 2.8651% | 3,487 |
| Net charge-offs to loans | -0.0104% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2915% | 608 |
| Assets per employee ($millions) | 5.9353% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 1,236 |
| Loan loss allowance to noncurrent loans | 5,640.7407% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 3,886 |
| Noncurrent loans to loans | 0.0277% | 3,750 |
| Net loans and leases to total assets | 48.9457% | 3,471 |
| Net loans and leases to deposits | 54.0184% | 3,534 |
| Net loans and leases to core deposits | 54.5980% | 3,661 |
| Total domestic deposits to total assets | 90.6093% | 1,413 |
| Equity capital to assets | 9.2248% | 2,215 |
| Core capital (leverage) ratio | 9.9900% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,191,667 | 3,206 |
| Average earning assets | $167,599,333 | 3,241 |
| Average equity | $18,568,333 | 3,179 |
| Average total loans | $96,573,000 | 3,235 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6228% | 4,085 |
| Cost of funding earning assets | 0.2425% | 2,240 |
| Net interest margin | 2.3804% | 4,108 |
| Noninterest income to average assets | 0.1435% | 4,296 |
| Noninterest expense to average assets | 2.0543% | 3,285 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1955% | 4,344 |
| Return on assets (ROA) | 0.1884% | 4,317 |
| Pretax return on assets | 0.2377% | 4,282 |
| Return on Equity (ROE) | 1.7855% | 4,291 |
| Retained earnings to average equity (ytd only) | 1.7855% | 3,602 |
| Net charge-offs to loans | -0.0125% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2788% | 582 |
| Assets per employee ($millions) | 5.9999% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 993 |
| Loan loss allowance to noncurrent loans | 8,005.2632% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,970 |
| Noncurrent loans to loans | 0.0217% | 3,837 |
| Net loans and leases to total assets | 44.8983% | 3,668 |
| Net loans and leases to deposits | 49.7426% | 3,749 |
| Net loans and leases to core deposits | 50.8824% | 3,822 |
| Total domestic deposits to total assets | 90.2613% | 1,405 |
| Equity capital to assets | 9.5861% | 2,217 |
| Core capital (leverage) ratio | 10.1769% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,355,500 | 3,270 |
| Average earning assets | $161,656,500 | 3,310 |
| Average equity | $18,818,500 | 3,247 |
| Average total loans | $96,164,500 | 3,244 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4326% | 2,845 |
| Cost of funding earning assets | 0.3160% | 2,235 |
| Net interest margin | 3.1165% | 2,853 |
| Noninterest income to average assets | 0.1563% | 4,369 |
| Noninterest expense to average assets | 2.0240% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7874% | 3,368 |
| Return on assets (ROA) | 0.7997% | 3,404 |
| Pretax return on assets | 0.9850% | 3,303 |
| Return on Equity (ROE) | 6.9745% | 3,521 |
| Retained earnings to average equity (ytd only) | 1.6908% | 4,074 |
| Net charge-offs to loans | 0.0113% | 2,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 145.5455% | 677 |
| Efficiency ratio | 67.6042% | 2,043 |
| Assets per employee ($millions) | 4.7061% | 3,963 |
| Cash dividends to net income (ytd only)* | 75.7576% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 1,728 |
| Loan loss allowance to noncurrent loans | 1,405.5556% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,515 |
| Noncurrent loans to loans | 0.1032% | 3,410 |
| Net loans and leases to total assets | 62.5851% | 1,873 |
| Net loans and leases to deposits | 70.9868% | 2,023 |
| Net loans and leases to core deposits | 72.9334% | 2,174 |
| Total domestic deposits to total assets | 88.1644% | 1,952 |
| Equity capital to assets | 11.6759% | 1,407 |
| Core capital (leverage) ratio | 11.2963% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,068,600 | 3,344 |
| Average earning assets | $150,295,000 | 3,375 |
| Average equity | $18,926,000 | 3,307 |
| Average total loans | $97,377,000 | 3,232 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5128% | 2,792 |
| Cost of funding earning assets | 0.3358% | 2,242 |
| Net interest margin | 3.1769% | 2,803 |
| Noninterest income to average assets | 0.1502% | 4,443 |
| Noninterest expense to average assets | 2.1676% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7489% | 3,657 |
| Return on assets (ROA) | 0.7613% | 3,684 |
| Pretax return on assets | 0.8993% | 3,696 |
| Return on Equity (ROE) | 6.6702% | 3,756 |
| Retained earnings to average equity (ytd only) | -0.4032% | 4,604 |
| Net charge-offs to loans | 0.0167% | 1,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 91.3333% | 918 |
| Efficiency ratio | 71.0130% | 1,492 |
| Assets per employee ($millions) | 5.3977% | 3,310 |
| Cash dividends to net income (ytd only)* | 106.0445% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 1,517 |
| Loan loss allowance to noncurrent loans | 1,665.9341% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 3,770 |
| Noncurrent loans to loans | 0.0920% | 3,616 |
| Net loans and leases to total assets | 58.2164% | 2,461 |
| Net loans and leases to deposits | 65.8071% | 2,644 |
| Net loans and leases to core deposits | 67.5756% | 2,815 |
| Total domestic deposits to total assets | 88.4652% | 1,587 |
| Equity capital to assets | 11.3381% | 1,778 |
| Core capital (leverage) ratio | 11.2757% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,157,000 | 3,378 |
| Average earning assets | $150,875,000 | 3,402 |
| Average equity | $18,849,500 | 3,355 |
| Average total loans | $95,570,000 | 3,295 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6687% | 2,419 |
| Cost of funding earning assets | 0.3693% | 2,144 |
| Net interest margin | 3.2995% | 2,435 |
| Noninterest income to average assets | 0.1496% | 4,449 |
| Noninterest expense to average assets | 2.1808% | 3,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8545% | 3,352 |
| Return on assets (ROA) | 0.8660% | 3,388 |
| Pretax return on assets | 1.0034% | 3,443 |
| Return on Equity (ROE) | 7.5710% | 3,511 |
| Retained earnings to average equity (ytd only) | -3.0624% | 4,722 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7764% | 1,785 |
| Assets per employee ($millions) | 5.3881% | 3,250 |
| Cash dividends to net income (ytd only)* | 140.4494% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 1,331 |
| Loan loss allowance to noncurrent loans | 543.7722% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 3,142 |
| Noncurrent loans to loans | 0.2902% | 2,887 |
| Net loans and leases to total assets | 57.0525% | 2,782 |
| Net loans and leases to deposits | 64.3992% | 2,957 |
| Net loans and leases to core deposits | 66.8612% | 3,045 |
| Total domestic deposits to total assets | 88.5920% | 1,515 |
| Equity capital to assets | 11.2416% | 1,797 |
| Core capital (leverage) ratio | 11.0934% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,433,000 | 3,390 |
| Average earning assets | $150,570,000 | 3,409 |
| Average equity | $18,808,667 | 3,350 |
| Average total loans | $94,450,333 | 3,330 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 1,547 |
| Cost of funding earning assets | 0.4305% | 1,858 |
| Net interest margin | 3.5989% | 1,594 |
| Noninterest income to average assets | 0.1349% | 4,530 |
| Noninterest expense to average assets | 2.2264% | 3,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0354% | 2,695 |
| Return on assets (ROA) | 1.0544% | 2,702 |
| Pretax return on assets | 1.2309% | 2,759 |
| Return on Equity (ROE) | 9.1370% | 2,986 |
| Retained earnings to average equity (ytd only) | -12.1119% | 4,845 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8108% | 2,371 |
| Assets per employee ($millions) | 5.4248% | 3,189 |
| Cash dividends to net income (ytd only)* | 232.5581% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 997 |
| Loan loss allowance to noncurrent loans | 21,828.5714% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,372 |
| Noncurrent loans to loans | 0.0079% | 4,282 |
| Net loans and leases to total assets | 51.8273% | 3,461 |
| Net loans and leases to deposits | 58.3406% | 3,618 |
| Net loans and leases to core deposits | 62.4265% | 3,546 |
| Total domestic deposits to total assets | 88.8357% | 1,426 |
| Equity capital to assets | 10.9853% | 1,872 |
| Core capital (leverage) ratio | 10.9090% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,133,500 | 3,400 |
| Average earning assets | $149,601,000 | 3,422 |
| Average equity | $18,824,500 | 3,345 |
| Average total loans | $93,263,500 | 3,359 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 1,541 |
| Cost of funding earning assets | 0.8583% | 993 |
| Net interest margin | 3.5573% | 2,284 |
| Noninterest income to average assets | 0.2045% | 4,248 |
| Noninterest expense to average assets | 2.6678% | 2,333 |
| Loan and lease loss provision to assets | 0.0198% | 4,141 |
| Net operating income to assets | 0.6110% | 3,711 |
| Return on assets (ROA) | 0.6227% | 3,797 |
| Pretax return on assets | 0.7685% | 3,707 |
| Return on Equity (ROE) | 5.0089% | 3,899 |
| Retained earnings to average equity (ytd only) | 1.2947% | 4,109 |
| Net charge-offs to loans | -0.0058% | 4,171 |
| Credit loss provision to net charge-offs | -500.0000% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5158% | 1,079 |
| Assets per employee ($millions) | 5.4516% | 2,894 |
| Cash dividends to net income (ytd only)* | 74.1525% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 1,393 |
| Loan loss allowance to noncurrent loans | 1,193.7500% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 3,928 |
| Noncurrent loans to loans | 0.1308% | 3,757 |
| Net loans and leases to total assets | 60.9202% | 2,743 |
| Net loans and leases to deposits | 69.4794% | 2,939 |
| Net loans and leases to core deposits | 74.7221% | 2,845 |
| Total domestic deposits to total assets | 87.6810% | 1,620 |
| Equity capital to assets | 12.1286% | 1,508 |
| Core capital (leverage) ratio | 11.7248% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,586,800 | 3,385 |
| Average earning assets | $137,943,200 | 3,409 |
| Average equity | $18,846,600 | 3,296 |
| Average total loans | $104,044,200 | 3,178 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 1,180 |
| Cost of funding earning assets | 0.9475% | 912 |
| Net interest margin | 3.7059% | 1,922 |
| Noninterest income to average assets | 0.2143% | 4,200 |
| Noninterest expense to average assets | 2.5277% | 2,747 |
| Loan and lease loss provision to assets | 0.0267% | 4,002 |
| Net operating income to assets | 0.8251% | 2,998 |
| Return on assets (ROA) | 0.8358% | 3,091 |
| Pretax return on assets | 1.0394% | 2,940 |
| Return on Equity (ROE) | 6.6791% | 3,319 |
| Retained earnings to average equity (ytd only) | 1.7053% | 4,028 |
| Net charge-offs to loans | -0.0051% | 4,052 |
| Credit loss provision to net charge-offs | -750.0000% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5985% | 1,804 |
| Assets per employee ($millions) | 5.0586% | 3,168 |
| Cash dividends to net income (ytd only)* | 74.4681% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 1,597 |
| Loan loss allowance to noncurrent loans | 115.5185% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 1,330 |
| Noncurrent loans to loans | 1.2404% | 1,226 |
| Net loans and leases to total assets | 69.1711% | 2,084 |
| Net loans and leases to deposits | 79.4292% | 2,380 |
| Net loans and leases to core deposits | 86.6649% | 2,261 |
| Total domestic deposits to total assets | 87.0853% | 1,632 |
| Equity capital to assets | 12.6353% | 1,358 |
| Core capital (leverage) ratio | 12.4220% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,959,250 | 3,391 |
| Average earning assets | $136,210,000 | 3,408 |
| Average equity | $18,764,500 | 3,301 |
| Average total loans | $105,595,000 | 3,161 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7930% | 1,183 |
| Cost of funding earning assets | 1.0392% | 875 |
| Net interest margin | 3.7538% | 1,978 |
| Noninterest income to average assets | 0.2169% | 4,187 |
| Noninterest expense to average assets | 2.5013% | 2,957 |
| Loan and lease loss provision to assets | 0.0268% | 3,915 |
| Net operating income to assets | 0.8927% | 2,712 |
| Return on assets (ROA) | 0.9092% | 2,775 |
| Pretax return on assets | 1.1141% | 2,669 |
| Return on Equity (ROE) | 7.2902% | 3,016 |
| Retained earnings to average equity (ytd only) | -0.2255% | 4,353 |
| Net charge-offs to loans | -0.0076% | 4,127 |
| Credit loss provision to net charge-offs | -500.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0573% | 2,082 |
| Assets per employee ($millions) | 4.5847% | 3,672 |
| Cash dividends to net income (ytd only)* | 103.0928% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 1,578 |
| Loan loss allowance to noncurrent loans | 930.0613% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 3,990 |
| Noncurrent loans to loans | 0.1507% | 3,853 |
| Net loans and leases to total assets | 70.4773% | 1,956 |
| Net loans and leases to deposits | 80.8701% | 2,333 |
| Net loans and leases to core deposits | 88.2091% | 2,226 |
| Total domestic deposits to total assets | 87.1489% | 1,561 |
| Equity capital to assets | 12.4949% | 1,377 |
| Core capital (leverage) ratio | 12.1807% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,360,000 | 3,369 |
| Average earning assets | $135,490,333 | 3,405 |
| Average equity | $18,627,667 | 3,312 |
| Average total loans | $105,294,000 | 3,162 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7655% | 1,516 |
| Cost of funding earning assets | 1.1378% | 939 |
| Net interest margin | 3.6277% | 2,578 |
| Noninterest income to average assets | 0.2264% | 4,193 |
| Noninterest expense to average assets | 2.4529% | 3,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8442% | 2,736 |
| Return on assets (ROA) | 0.8464% | 2,815 |
| Pretax return on assets | 1.0593% | 2,640 |
| Return on Equity (ROE) | 6.7930% | 3,028 |
| Retained earnings to average equity (ytd only) | -8.3507% | 4,709 |
| Net charge-offs to loans | -0.0077% | 3,984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8925% | 2,370 |
| Assets per employee ($millions) | 4.6731% | 3,027 |
| Cash dividends to net income (ytd only)* | 222.9299% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 1,288 |
| Loan loss allowance to noncurrent loans | 150.7568% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6627% | 2,017 |
| Noncurrent loans to loans | 1.0059% | 1,648 |
| Net loans and leases to total assets | 64.8812% | 2,958 |
| Net loans and leases to deposits | 74.1396% | 3,258 |
| Net loans and leases to core deposits | 82.3169% | 2,998 |
| Total domestic deposits to total assets | 87.5122% | 1,326 |
| Equity capital to assets | 12.2009% | 1,923 |
| Core capital (leverage) ratio | 12.2337% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,393,000 | 3,347 |
| Average earning assets | $134,299,000 | 3,393 |
| Average equity | $18,489,500 | 3,322 |
| Average total loans | $103,869,000 | 3,175 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2118% | 969 |
| Cost of funding earning assets | 1.1825% | 1,069 |
| Net interest margin | 4.0293% | 1,756 |
| Noninterest income to average assets | 0.2364% | 4,261 |
| Noninterest expense to average assets | 2.5486% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0324% | 2,725 |
| Return on assets (ROA) | 1.0324% | 2,817 |
| Pretax return on assets | 1.3264% | 2,407 |
| Return on Equity (ROE) | 8.2377% | 3,067 |
| Retained earnings to average equity (ytd only) | 5.4641% | 2,183 |
| Net charge-offs to loans | -0.0489% | 4,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7696% | 2,808 |
| Assets per employee ($millions) | 4.7499% | 2,894 |
| Cash dividends to net income (ytd only)* | 33.6700% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 1,646 |
| Loan loss allowance to noncurrent loans | 576.0618% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 3,776 |
| Noncurrent loans to loans | 0.2371% | 3,597 |
| Net loans and leases to total assets | 73.1623% | 1,896 |
| Net loans and leases to deposits | 84.0452% | 2,329 |
| Net loans and leases to core deposits | 95.6164% | 1,931 |
| Total domestic deposits to total assets | 87.0511% | 1,580 |
| Equity capital to assets | 12.7228% | 1,693 |
| Core capital (leverage) ratio | 12.5691% | 1,449 |
| Tier 1 risk-based capital ratio | 16.5857% | 2,193 |
| Total risk-based capital ratio | 17.8372% | 2,127 |
| Memoranda: | ||
| Average total assets | $143,842,600 | 3,381 |
| Average earning assets | $129,898,000 | 3,428 |
| Average equity | $18,026,800 | 3,339 |
| Average total loans | $110,503,800 | 3,076 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 1,130 |
| Cost of funding earning assets | 1.1569% | 1,149 |
| Net interest margin | 4.0017% | 1,935 |
| Noninterest income to average assets | 0.2546% | 4,214 |
| Noninterest expense to average assets | 2.4290% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1189% | 2,500 |
| Return on assets (ROA) | 1.1189% | 2,588 |
| Pretax return on assets | 1.4378% | 2,163 |
| Return on Equity (ROE) | 8.9634% | 2,903 |
| Retained earnings to average equity (ytd only) | 5.2286% | 2,776 |
| Net charge-offs to loans | -0.0638% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8165% | 3,196 |
| Assets per employee ($millions) | 4.6490% | 2,973 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 1,824 |
| Loan loss allowance to noncurrent loans | 90.4242% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 1,136 |
| Noncurrent loans to loans | 1.4755% | 1,028 |
| Net loans and leases to total assets | 76.5576% | 1,384 |
| Net loans and leases to deposits | 88.0791% | 1,920 |
| Net loans and leases to core deposits | 100.7929% | 1,600 |
| Total domestic deposits to total assets | 86.9191% | 1,562 |
| Equity capital to assets | 12.7804% | 1,741 |
| Core capital (leverage) ratio | 12.8188% | 1,430 |
| Tier 1 risk-based capital ratio | 15.9477% | 2,450 |
| Total risk-based capital ratio | 17.1985% | 2,393 |
| Memoranda: | ||
| Average total assets | $142,991,250 | 3,427 |
| Average earning assets | $129,075,250 | 3,475 |
| Average equity | $17,850,000 | 3,380 |
| Average total loans | $110,824,250 | 3,107 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0832% | 1,264 |
| Cost of funding earning assets | 1.1011% | 1,299 |
| Net interest margin | 3.9821% | 1,975 |
| Noninterest income to average assets | 0.2468% | 4,274 |
| Noninterest expense to average assets | 2.4906% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0644% | 2,664 |
| Return on assets (ROA) | 1.0644% | 2,726 |
| Pretax return on assets | 1.3519% | 2,375 |
| Return on Equity (ROE) | 8.5955% | 3,029 |
| Retained earnings to average equity (ytd only) | 2.9331% | 3,750 |
| Net charge-offs to loans | -0.1068% | 5,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8175% | 3,002 |
| Assets per employee ($millions) | 4.2861% | 3,454 |
| Cash dividends to net income (ytd only)* | 65.8762% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 1,865 |
| Loan loss allowance to noncurrent loans | 653.7118% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 3,953 |
| Noncurrent loans to loans | 0.2045% | 3,816 |
| Net loans and leases to total assets | 78.0977% | 1,201 |
| Net loans and leases to deposits | 91.9552% | 1,490 |
| Net loans and leases to core deposits | 101.9238% | 1,563 |
| Total domestic deposits to total assets | 84.9302% | 2,505 |
| Equity capital to assets | 12.6950% | 1,746 |
| Core capital (leverage) ratio | 12.8750% | 1,366 |
| Tier 1 risk-based capital ratio | 15.9947% | 2,415 |
| Total risk-based capital ratio | 17.2461% | 2,354 |
| Memoranda: | ||
| Average total assets | $142,615,330 | 3,452 |
| Average earning assets | $128,776,000 | 3,493 |
| Average equity | $17,660,330 | 3,395 |
| Average total loans | $110,490,330 | 3,127 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 1,396 |
| Cost of funding earning assets | 1.0496% | 1,380 |
| Net interest margin | 3.9258% | 2,110 |
| Noninterest income to average assets | 0.2263% | 4,389 |
| Noninterest expense to average assets | 2.3463% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0922% | 2,503 |
| Return on assets (ROA) | 1.0922% | 2,546 |
| Pretax return on assets | 1.4218% | 2,009 |
| Return on Equity (ROE) | 8.9308% | 2,838 |
| Retained earnings to average equity (ytd only) | -2.4897% | 4,779 |
| Net charge-offs to loans | -0.2150% | 5,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2683% | 3,492 |
| Assets per employee ($millions) | 4.2810% | 3,510 |
| Cash dividends to net income (ytd only)* | 127.8772% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 1,602 |
| Loan loss allowance to noncurrent loans | 229.9539% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 2,712 |
| Noncurrent loans to loans | 0.6170% | 2,481 |
| Net loans and leases to total assets | 75.9272% | 1,496 |
| Net loans and leases to deposits | 87.2397% | 1,963 |
| Net loans and leases to core deposits | 90.3535% | 2,457 |
| Total domestic deposits to total assets | 87.0329% | 1,798 |
| Equity capital to assets | 12.7780% | 1,579 |
| Core capital (leverage) ratio | 12.5247% | 1,500 |
| Tier 1 risk-based capital ratio | 16.6948% | 2,202 |
| Total risk-based capital ratio | 17.9473% | 2,156 |
| Memoranda: | ||
| Average total assets | $143,202,000 | 3,481 |
| Average earning assets | $129,198,000 | 3,528 |
| Average equity | $17,512,500 | 3,414 |
| Average total loans | $109,755,500 | 3,176 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8298% | 1,469 |
| Cost of funding earning assets | 0.8412% | 1,343 |
| Net interest margin | 3.9887% | 2,022 |
| Noninterest income to average assets | 0.2277% | 4,548 |
| Noninterest expense to average assets | 2.7101% | 2,989 |
| Loan and lease loss provision to assets | 0.0714% | 2,706 |
| Net operating income to assets | 0.8929% | 3,461 |
| Return on assets (ROA) | 0.8917% | 3,458 |
| Pretax return on assets | 1.0638% | 3,397 |
| Return on Equity (ROE) | 7.3010% | 3,732 |
| Retained earnings to average equity (ytd only) | 2.9169% | 3,936 |
| Net charge-offs to loans | 0.0723% | 2,086 |
| Credit loss provision to net charge-offs | 128.2051% | 2,058 |
| Earnings coverage of net charge-offs (x) | 20.4103% | 2,004 |
| Efficiency ratio | 70.4529% | 2,115 |
| Assets per employee ($millions) | 4.9804% | 2,527 |
| Cash dividends to net income (ytd only)* | 60.0480% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,244 |
| Loan loss allowance to noncurrent loans | 1,272.5664% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 4,440 |
| Noncurrent loans to loans | 0.0991% | 4,288 |
| Net loans and leases to total assets | 75.3365% | 1,724 |
| Net loans and leases to deposits | 85.5268% | 2,343 |
| Net loans and leases to core deposits | 96.2817% | 2,040 |
| Total domestic deposits to total assets | 88.0852% | 1,260 |
| Equity capital to assets | 11.7260% | 2,079 |
| Core capital (leverage) ratio | 12.0577% | 1,695 |
| Tier 1 risk-based capital ratio | 15.5318% | 2,598 |
| Total risk-based capital ratio | 16.7817% | 2,528 |
| Memoranda: | ||
| Average total assets | $140,069,600 | 3,504 |
| Average earning assets | $127,084,800 | 3,542 |
| Average equity | $17,107,200 | 3,384 |
| Average total loans | $107,908,800 | 3,172 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 1,496 |
| Cost of funding earning assets | 0.7796% | 1,431 |
| Net interest margin | 3.9896% | 1,988 |
| Noninterest income to average assets | 0.2285% | 4,602 |
| Noninterest expense to average assets | 2.5498% | 3,442 |
| Loan and lease loss provision to assets | 0.0484% | 3,024 |
| Net operating income to assets | 1.1140% | 2,607 |
| Return on assets (ROA) | 1.1123% | 2,623 |
| Pretax return on assets | 1.2497% | 2,813 |
| Return on Equity (ROE) | 9.0094% | 3,083 |
| Retained earnings to average equity (ytd only) | 3.1286% | 4,183 |
| Net charge-offs to loans | 0.1604% | 1,031 |
| Credit loss provision to net charge-offs | 39.0625% | 2,913 |
| Earnings coverage of net charge-offs (x) | 10.4923% | 2,583 |
| Efficiency ratio | 66.2308% | 2,823 |
| Assets per employee ($millions) | 4.1949% | 3,580 |
| Cash dividends to net income (ytd only)* | 65.2746% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 2,749 |
| Loan loss allowance to noncurrent loans | 376.9014% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 3,715 |
| Noncurrent loans to loans | 0.3128% | 3,549 |
| Net loans and leases to total assets | 78.6443% | 1,226 |
| Net loans and leases to deposits | 89.6777% | 1,943 |
| Net loans and leases to core deposits | 101.5812% | 1,643 |
| Total domestic deposits to total assets | 87.6966% | 1,396 |
| Equity capital to assets | 12.1569% | 1,797 |
| Core capital (leverage) ratio | 12.3175% | 1,601 |
| Tier 1 risk-based capital ratio | 15.7481% | 2,550 |
| Total risk-based capital ratio | 16.9509% | 2,501 |
| Memoranda: | ||
| Average total assets | $137,734,250 | 3,574 |
| Average earning assets | $125,023,000 | 3,607 |
| Average equity | $17,004,000 | 3,419 |
| Average total loans | $106,386,250 | 3,221 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 1,640 |
| Cost of funding earning assets | 0.6897% | 1,684 |
| Net interest margin | 3.9616% | 1,994 |
| Noninterest income to average assets | 0.2366% | 4,597 |
| Noninterest expense to average assets | 2.5304% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0943% | 2,605 |
| Return on assets (ROA) | 1.0918% | 2,623 |
| Pretax return on assets | 1.2990% | 2,520 |
| Return on Equity (ROE) | 8.7969% | 3,117 |
| Retained earnings to average equity (ytd only) | -0.0829% | 4,969 |
| Net charge-offs to loans | 0.0423% | 2,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 40.2727% | 1,291 |
| Efficiency ratio | 66.0276% | 2,975 |
| Assets per employee ($millions) | 3.9116% | 4,038 |
| Cash dividends to net income (ytd only)* | 100.9421% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,232 |
| Loan loss allowance to noncurrent loans | 69,700.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 5,063 |
| Noncurrent loans to loans | 0.0018% | 4,968 |
| Net loans and leases to total assets | 78.0695% | 1,299 |
| Net loans and leases to deposits | 89.6367% | 1,892 |
| Net loans and leases to core deposits | 96.4369% | 2,020 |
| Total domestic deposits to total assets | 87.0954% | 1,804 |
| Equity capital to assets | 12.4050% | 1,594 |
| Core capital (leverage) ratio | 12.9591% | 1,235 |
| Tier 1 risk-based capital ratio | 16.9386% | 2,123 |
| Total risk-based capital ratio | 18.1904% | 2,064 |
| Memoranda: | ||
| Average total assets | $136,103,330 | 3,623 |
| Average earning assets | $123,535,330 | 3,649 |
| Average equity | $16,892,330 | 3,453 |
| Average total loans | $104,013,000 | 3,264 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6156% | 1,521 |
| Cost of funding earning assets | 0.6306% | 1,842 |
| Net interest margin | 3.9850% | 1,774 |
| Noninterest income to average assets | 0.2063% | 4,790 |
| Noninterest expense to average assets | 2.4790% | 3,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1014% | 2,412 |
| Return on assets (ROA) | 1.0965% | 2,449 |
| Pretax return on assets | 1.3353% | 2,231 |
| Return on Equity (ROE) | 8.8324% | 2,992 |
| Retained earnings to average equity (ytd only) | -8.9749% | 5,340 |
| Net charge-offs to loans | 0.0079% | 2,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 227.5000% | 293 |
| Efficiency ratio | 64.8920% | 3,339 |
| Assets per employee ($millions) | 4.0335% | 3,921 |
| Cash dividends to net income (ytd only)* | 201.6129% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 1,581 |
| Loan loss allowance to noncurrent loans | 70,700.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 5,141 |
| Noncurrent loans to loans | 0.0021% | 5,019 |
| Net loans and leases to total assets | 71.1857% | 2,304 |
| Net loans and leases to deposits | 81.4012% | 2,639 |
| Net loans and leases to core deposits | 84.5116% | 2,929 |
| Total domestic deposits to total assets | 87.4504% | 1,928 |
| Equity capital to assets | 12.4812% | 1,494 |
| Core capital (leverage) ratio | 12.3838% | 1,438 |
| Tier 1 risk-based capital ratio | 18.7852% | 1,608 |
| Total risk-based capital ratio | 20.0393% | 1,568 |
| Memoranda: | ||
| Average total assets | $135,702,500 | 3,662 |
| Average earning assets | $123,061,500 | 3,695 |
| Average equity | $16,847,000 | 3,492 |
| Average total loans | $101,882,000 | 3,329 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 1,400 |
| Cost of funding earning assets | 0.5655% | 1,852 |
| Net interest margin | 4.0441% | 1,606 |
| Noninterest income to average assets | 0.1952% | 4,974 |
| Noninterest expense to average assets | 2.5581% | 3,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8576% | 2,921 |
| Return on assets (ROA) | 0.8581% | 2,943 |
| Pretax return on assets | 1.3199% | 2,282 |
| Return on Equity (ROE) | 7.0244% | 3,266 |
| Retained earnings to average equity (ytd only) | 7.0244% | 1,065 |
| Net charge-offs to loans | 0.0057% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 298.5000% | 292 |
| Efficiency ratio | 65.9764% | 3,274 |
| Assets per employee ($millions) | 4.0677% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,136 |
| Loan loss allowance to noncurrent loans | 23,600.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 5,175 |
| Noncurrent loans to loans | 0.0056% | 5,034 |
| Net loans and leases to total assets | 76.7767% | 1,468 |
| Net loans and leases to deposits | 87.6792% | 2,052 |
| Net loans and leases to core deposits | 96.4231% | 1,992 |
| Total domestic deposits to total assets | 87.5655% | 1,725 |
| Equity capital to assets | 12.3506% | 1,608 |
| Core capital (leverage) ratio | 12.1125% | 1,549 |
| Tier 1 risk-based capital ratio | 17.1835% | 2,029 |
| Total risk-based capital ratio | 18.4360% | 1,989 |
| Memoranda: | ||
| Average total assets | $135,763,400 | 3,669 |
| Average earning assets | $123,611,800 | 3,692 |
| Average equity | $16,585,000 | 3,525 |
| Average total loans | $104,369,000 | 3,276 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5687% | 1,453 |
| Cost of funding earning assets | 0.5446% | 1,934 |
| Net interest margin | 4.0241% | 1,619 |
| Noninterest income to average assets | 0.1806% | 5,113 |
| Noninterest expense to average assets | 2.3572% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0827% | 2,162 |
| Return on assets (ROA) | 1.0834% | 2,218 |
| Pretax return on assets | 1.4919% | 1,799 |
| Return on Equity (ROE) | 8.8935% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.8935% | 882 |
| Net charge-offs to loans | 0.0116% | 3,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 167.8850% | 502 |
| Efficiency ratio | 61.2564% | 4,004 |
| Assets per employee ($millions) | 4.3734% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,477 |
| Loan loss allowance to noncurrent loans | 28,260.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,252 |
| Noncurrent loans to loans | 0.0045% | 5,129 |
| Net loans and leases to total assets | 78.0406% | 1,263 |
| Net loans and leases to deposits | 92.5615% | 1,486 |
| Net loans and leases to core deposits | 101.3370% | 1,598 |
| Total domestic deposits to total assets | 84.3121% | 2,991 |
| Equity capital to assets | 12.1973% | 1,836 |
| Core capital (leverage) ratio | 12.3524% | 1,484 |
| Tier 1 risk-based capital ratio | 16.5214% | 2,320 |
| Total risk-based capital ratio | 17.7729% | 2,272 |
| Memoranda: | ||
| Average total assets | $135,129,000 | 3,713 |
| Average earning assets | $123,153,750 | 3,726 |
| Average equity | $16,461,000 | 3,574 |
| Average total loans | $103,561,500 | 3,321 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 1,683 |
| Cost of funding earning assets | 0.4971% | 2,179 |
| Net interest margin | 3.9476% | 1,786 |
| Noninterest income to average assets | 0.1678% | 5,220 |
| Noninterest expense to average assets | 2.3262% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0459% | 2,224 |
| Return on assets (ROA) | 1.0470% | 2,261 |
| Pretax return on assets | 1.4469% | 1,835 |
| Return on Equity (ROE) | 8.5988% | 2,722 |
| Retained earnings to average equity (ytd only) | 8.5988% | 968 |
| Net charge-offs to loans | 0.0079% | 3,174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 241.2500% | 352 |
| Efficiency ratio | 61.6759% | 4,053 |
| Assets per employee ($millions) | 4.3141% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 2,181 |
| Loan loss allowance to noncurrent loans | 402.8409% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 4,071 |
| Noncurrent loans to loans | 0.3348% | 3,845 |
| Net loans and leases to total assets | 77.5628% | 1,308 |
| Net loans and leases to deposits | 94.6416% | 1,214 |
| Net loans and leases to core deposits | 96.9358% | 1,894 |
| Total domestic deposits to total assets | 81.9543% | 3,899 |
| Equity capital to assets | 12.4572% | 1,643 |
| Core capital (leverage) ratio | 12.8482% | 1,243 |
| Tier 1 risk-based capital ratio | 16.5011% | 2,324 |
| Total risk-based capital ratio | 17.7529% | 2,270 |
| Memoranda: | ||
| Average total assets | $133,522,330 | 3,759 |
| Average earning assets | $121,896,000 | 3,769 |
| Average equity | $16,258,000 | 3,607 |
| Average total loans | $101,205,330 | 3,375 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 1,762 |
| Cost of funding earning assets | 0.4842% | 2,218 |
| Net interest margin | 3.8836% | 1,837 |
| Noninterest income to average assets | 0.1769% | 5,218 |
| Noninterest expense to average assets | 2.2906% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0044% | 2,284 |
| Return on assets (ROA) | 1.0044% | 2,334 |
| Pretax return on assets | 1.4451% | 1,713 |
| Return on Equity (ROE) | 8.3453% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.3453% | 1,328 |
| Net charge-offs to loans | 0.0161% | 2,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 120.5000% | 455 |
| Efficiency ratio | 61.3162% | 4,263 |
| Assets per employee ($millions) | 4.1163% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 1,580 |
| Loan loss allowance to noncurrent loans | 164.8837% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 2,676 |
| Noncurrent loans to loans | 0.9282% | 2,180 |
| Net loans and leases to total assets | 69.2590% | 2,496 |
| Net loans and leases to deposits | 79.0897% | 2,852 |
| Net loans and leases to core deposits | 81.0818% | 3,190 |
| Total domestic deposits to total assets | 87.5701% | 1,959 |
| Equity capital to assets | 12.3319% | 1,643 |
| Core capital (leverage) ratio | 12.0158% | 1,618 |
| Tier 1 risk-based capital ratio | 15.9371% | 2,578 |
| Total risk-based capital ratio | 17.1888% | 2,520 |
| Memoranda: | ||
| Average total assets | $133,414,500 | 3,790 |
| Average earning assets | $122,258,500 | 3,806 |
| Average equity | $16,057,000 | 3,656 |
| Average total loans | $99,233,500 | 3,431 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 1,869 |
| Cost of funding earning assets | 0.4361% | 2,644 |
| Net interest margin | 3.9486% | 1,795 |
| Noninterest income to average assets | 0.1679% | 5,379 |
| Noninterest expense to average assets | 2.5485% | 3,846 |
| Loan and lease loss provision to assets | 0.0724% | 2,909 |
| Net operating income to assets | 0.7885% | 3,358 |
| Return on assets (ROA) | 0.7894% | 3,458 |
| Pretax return on assets | 1.1780% | 2,767 |
| Return on Equity (ROE) | 6.8667% | 3,537 |
| Retained earnings to average equity (ytd only) | 2.1462% | 4,309 |
| Net charge-offs to loans | -0.0048% | 4,801 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1113% | 3,414 |
| Assets per employee ($millions) | 4.2221% | 3,586 |
| Cash dividends to net income (ytd only)* | 68.7443% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 2,324 |
| Loan loss allowance to noncurrent loans | 10,157.1429% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 5,365 |
| Noncurrent loans to loans | 0.0132% | 5,227 |
| Net loans and leases to total assets | 77.2704% | 1,318 |
| Net loans and leases to deposits | 87.6056% | 1,974 |
| Net loans and leases to core deposits | 93.2391% | 2,188 |
| Total domestic deposits to total assets | 88.2026% | 1,534 |
| Equity capital to assets | 11.7463% | 1,973 |
| Core capital (leverage) ratio | 11.8491% | 1,694 |
| Tier 1 risk-based capital ratio | 13.9017% | 3,518 |
| Total risk-based capital ratio | 15.1412% | 3,442 |
| Memoranda: | ||
| Average total assets | $138,198,400 | 3,702 |
| Average earning assets | $127,031,400 | 3,703 |
| Average equity | $15,888,200 | 3,706 |
| Average total loans | $104,952,200 | 3,299 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 1,996 |
| Cost of funding earning assets | 0.4368% | 2,671 |
| Net interest margin | 3.9145% | 1,925 |
| Noninterest income to average assets | 0.1573% | 5,487 |
| Noninterest expense to average assets | 2.3630% | 4,373 |
| Loan and lease loss provision to assets | 0.0959% | 2,304 |
| Net operating income to assets | 0.9293% | 2,756 |
| Return on assets (ROA) | 0.9306% | 2,875 |
| Pretax return on assets | 1.3029% | 2,421 |
| Return on Equity (ROE) | 8.1377% | 2,939 |
| Retained earnings to average equity (ytd only) | 6.0404% | 2,168 |
| Net charge-offs to loans | -0.0025% | 4,514 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8477% | 4,094 |
| Assets per employee ($millions) | 4.2743% | 3,458 |
| Cash dividends to net income (ytd only)* | 25.7736% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 2,714 |
| Loan loss allowance to noncurrent loans | 2,627.7778% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 5,317 |
| Noncurrent loans to loans | 0.0493% | 5,165 |
| Net loans and leases to total assets | 79.0982% | 1,022 |
| Net loans and leases to deposits | 97.8687% | 868 |
| Net loans and leases to core deposits | 104.6730% | 1,296 |
| Total domestic deposits to total assets | 80.8207% | 4,295 |
| Equity capital to assets | 11.9705% | 2,141 |
| Core capital (leverage) ratio | 12.1061% | 1,601 |
| Tier 1 risk-based capital ratio | 13.8004% | 3,667 |
| Total risk-based capital ratio | 15.0010% | 3,624 |
| Memoranda: | ||
| Average total assets | $138,971,500 | 3,711 |
| Average earning assets | $127,898,500 | 3,704 |
| Average equity | $15,892,750 | 3,737 |
| Average total loans | $104,735,500 | 3,313 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 2,633 |
| Cost of funding earning assets | 0.4334% | 2,709 |
| Net interest margin | 3.7280% | 2,587 |
| Noninterest income to average assets | 0.1518% | 5,546 |
| Noninterest expense to average assets | 2.4065% | 4,314 |
| Loan and lease loss provision to assets | 0.1432% | 1,592 |
| Net operating income to assets | 0.7688% | 3,456 |
| Return on assets (ROA) | 0.7688% | 3,600 |
| Pretax return on assets | 1.0379% | 3,445 |
| Return on Equity (ROE) | 6.8266% | 3,635 |
| Retained earnings to average equity (ytd only) | 3.6485% | 3,570 |
| Net charge-offs to loans | -0.0019% | 4,375 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0790% | 3,522 |
| Assets per employee ($millions) | 4.0123% | 3,878 |
| Cash dividends to net income (ytd only)* | 46.5549% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 2,564 |
| Loan loss allowance to noncurrent loans | 2,287.0968% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 5,380 |
| Noncurrent loans to loans | 0.0587% | 5,215 |
| Net loans and leases to total assets | 78.7336% | 1,109 |
| Net loans and leases to deposits | 91.4970% | 1,577 |
| Net loans and leases to core deposits | 98.7618% | 1,749 |
| Total domestic deposits to total assets | 86.0505% | 2,401 |
| Equity capital to assets | 12.0433% | 2,097 |
| Core capital (leverage) ratio | 11.9718% | 1,644 |
| Tier 1 risk-based capital ratio | 13.8511% | 3,697 |
| Total risk-based capital ratio | 15.0882% | 3,622 |
| Memoranda: | ||
| Average total assets | $139,702,670 | 3,725 |
| Average earning assets | $128,754,330 | 3,716 |
| Average equity | $15,732,670 | 3,773 |
| Average total loans | $103,111,330 | 3,356 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 3,058 |
| Cost of funding earning assets | 0.4290% | 2,776 |
| Net interest margin | 3.6136% | 3,034 |
| Noninterest income to average assets | 0.1423% | 5,634 |
| Noninterest expense to average assets | 2.1681% | 4,985 |
| Loan and lease loss provision to assets | 0.2790% | 592 |
| Net operating income to assets | 0.7394% | 3,540 |
| Return on assets (ROA) | 0.7394% | 3,645 |
| Pretax return on assets | 1.0324% | 3,353 |
| Return on Equity (ROE) | 6.7836% | 3,569 |
| Retained earnings to average equity (ytd only) | 0.3840% | 5,025 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3095% | 4,403 |
| Assets per employee ($millions) | 4.0868% | 3,796 |
| Cash dividends to net income (ytd only)* | 94.3396% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 2,176 |
| Loan loss allowance to noncurrent loans | 1,771.2500% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 5,369 |
| Noncurrent loans to loans | 0.0822% | 5,151 |
| Net loans and leases to total assets | 71.1418% | 2,168 |
| Net loans and leases to deposits | 80.5548% | 2,720 |
| Net loans and leases to core deposits | 86.6413% | 2,693 |
| Total domestic deposits to total assets | 88.3148% | 1,459 |
| Equity capital to assets | 11.5955% | 2,356 |
| Core capital (leverage) ratio | 11.2636% | 2,173 |
| Tier 1 risk-based capital ratio | 14.1685% | 3,588 |
| Total risk-based capital ratio | 15.4186% | 3,515 |
| Memoranda: | ||
| Average total assets | $143,351,000 | 3,679 |
| Average earning assets | $132,388,000 | 3,678 |
| Average equity | $15,626,000 | 3,790 |
| Average total loans | $101,834,000 | 3,388 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 1,729 |
| Cost of funding earning assets | 0.3929% | 3,232 |
| Net interest margin | 4.0622% | 1,515 |
| Noninterest income to average assets | 0.1685% | 5,572 |
| Noninterest expense to average assets | 2.4971% | 4,233 |
| Loan and lease loss provision to assets | 0.0917% | 2,470 |
| Net operating income to assets | 0.8780% | 2,986 |
| Return on assets (ROA) | 0.8780% | 3,070 |
| Pretax return on assets | 1.3201% | 2,202 |
| Return on Equity (ROE) | 8.3007% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.3007% | 824 |
| Net charge-offs to loans | -0.0770% | 5,704 |
| Credit loss provision to net charge-offs | -152.9412% | 5,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8824% | 4,296 |
| Assets per employee ($millions) | 4.7450% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 3,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 5,466 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 69.1463% | 2,509 |
| Net loans and leases to deposits | 77.1754% | 3,143 |
| Net loans and leases to core deposits | 95.0730% | 1,933 |
| Total domestic deposits to total assets | 89.5962% | 801 |
| Equity capital to assets | 10.2833% | 3,641 |
| Core capital (leverage) ratio | 10.5739% | 2,852 |
| Tier 1 risk-based capital ratio | 13.0560% | 4,269 |
| Total risk-based capital ratio | 14.1581% | 4,273 |
| Memoranda: | ||
| Average total assets | $141,805,200 | 3,698 |
| Average earning assets | $130,568,200 | 3,690 |
| Average equity | $14,998,800 | 3,836 |
| Average total loans | $110,341,800 | 3,193 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5162% | 1,547 |
| Cost of funding earning assets | 0.3803% | 3,436 |
| Net interest margin | 4.1360% | 1,310 |
| Noninterest income to average assets | 0.1771% | 5,594 |
| Noninterest expense to average assets | 2.3221% | 4,728 |
| Loan and lease loss provision to assets | 0.1244% | 1,822 |
| Net operating income to assets | 0.9840% | 2,552 |
| Return on assets (ROA) | 0.9840% | 2,634 |
| Pretax return on assets | 1.5305% | 1,601 |
| Return on Equity (ROE) | 9.2329% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.2329% | 816 |
| Net charge-offs to loans | -0.0958% | 5,765 |
| Credit loss provision to net charge-offs | -162.5000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3875% | 5,074 |
| Assets per employee ($millions) | 4.6088% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 3,951 |
| Loan loss allowance to noncurrent loans | 173.1836% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 3,723 |
| Noncurrent loans to loans | 0.6619% | 3,347 |
| Net loans and leases to total assets | 79.1345% | 939 |
| Net loans and leases to deposits | 88.8195% | 1,792 |
| Net loans and leases to core deposits | 110.3605% | 861 |
| Total domestic deposits to total assets | 89.0958% | 979 |
| Equity capital to assets | 10.7698% | 3,281 |
| Core capital (leverage) ratio | 10.7432% | 2,779 |
| Tier 1 risk-based capital ratio | 12.0323% | 5,065 |
| Total risk-based capital ratio | 13.0575% | 5,119 |
| Memoranda: | ||
| Average total assets | $139,296,750 | 3,767 |
| Average earning assets | $127,980,000 | 3,775 |
| Average equity | $14,845,000 | 3,898 |
| Average total loans | $111,350,500 | 3,205 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 1,722 |
| Cost of funding earning assets | 0.3597% | 3,708 |
| Net interest margin | 4.0784% | 1,416 |
| Noninterest income to average assets | 0.1767% | 5,640 |
| Noninterest expense to average assets | 2.3084% | 4,823 |
| Loan and lease loss provision to assets | 0.1883% | 1,065 |
| Net operating income to assets | 0.8950% | 2,904 |
| Return on assets (ROA) | 0.8950% | 3,033 |
| Pretax return on assets | 1.4236% | 1,890 |
| Return on Equity (ROE) | 8.4286% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.4286% | 1,105 |
| Net charge-offs to loans | 0.0018% | 3,839 |
| Credit loss provision to net charge-offs | 13,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 1,113.0000% | 53 |
| Efficiency ratio | 58.8844% | 5,124 |
| Assets per employee ($millions) | 4.3048% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 4,507 |
| Loan loss allowance to noncurrent loans | 3,327.0270% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 5,782 |
| Noncurrent loans to loans | 0.0321% | 5,623 |
| Net loans and leases to total assets | 80.3994% | 755 |
| Net loans and leases to deposits | 101.0529% | 590 |
| Net loans and leases to core deposits | 127.7851% | 314 |
| Total domestic deposits to total assets | 79.5617% | 4,966 |
| Equity capital to assets | 10.5345% | 3,407 |
| Core capital (leverage) ratio | 11.0675% | 2,362 |
| Tier 1 risk-based capital ratio | 11.6532% | 5,367 |
| Total risk-based capital ratio | 12.6120% | 5,469 |
| Memoranda: | ||
| Average total assets | $138,105,000 | 3,822 |
| Average earning assets | $126,765,670 | 3,826 |
| Average equity | $14,664,330 | 3,939 |
| Average total loans | $110,343,330 | 3,244 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4171% | 1,709 |
| Cost of funding earning assets | 0.3526% | 3,831 |
| Net interest margin | 4.0645% | 1,376 |
| Noninterest income to average assets | 0.1851% | 5,604 |
| Noninterest expense to average assets | 2.2537% | 4,989 |
| Loan and lease loss provision to assets | 0.1469% | 1,381 |
| Net operating income to assets | 0.9609% | 2,444 |
| Return on assets (ROA) | 0.9609% | 2,577 |
| Pretax return on assets | 1.5103% | 1,533 |
| Return on Equity (ROE) | 9.0120% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.0120% | 1,188 |
| Net charge-offs to loans | 0.0074% | 3,080 |
| Credit loss provision to net charge-offs | 2,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 204 |
| Efficiency ratio | 57.6258% | 5,375 |
| Assets per employee ($millions) | 4.1423% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 4,527 |
| Loan loss allowance to noncurrent loans | 143.9299% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 3,676 |
| Noncurrent loans to loans | 0.7641% | 3,343 |
| Net loans and leases to total assets | 78.0158% | 928 |
| Net loans and leases to deposits | 93.4047% | 1,044 |
| Net loans and leases to core deposits | 110.2108% | 736 |
| Total domestic deposits to total assets | 83.5245% | 4,000 |
| Equity capital to assets | 11.0747% | 2,891 |
| Core capital (leverage) ratio | 11.0344% | 2,383 |
| Tier 1 risk-based capital ratio | 12.5343% | 4,884 |
| Total risk-based capital ratio | 13.5173% | 4,974 |
| Memoranda: | ||
| Average total assets | $136,129,000 | 3,878 |
| Average earning assets | $124,789,000 | 3,895 |
| Average equity | $14,514,000 | 3,993 |
| Average total loans | $107,793,000 | 3,305 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 1,940 |
| Cost of funding earning assets | 0.3746% | 3,985 |
| Net interest margin | 4.1087% | 1,554 |
| Noninterest income to average assets | 0.3420% | 4,654 |
| Noninterest expense to average assets | 2.3861% | 4,884 |
| Loan and lease loss provision to assets | 0.2316% | 1,048 |
| Net operating income to assets | 1.0085% | 2,339 |
| Return on assets (ROA) | 1.0136% | 2,402 |
| Pretax return on assets | 1.5339% | 1,426 |
| Return on Equity (ROE) | 9.2747% | 2,455 |
| Retained earnings to average equity (ytd only) | 5.6722% | 2,151 |
| Net charge-offs to loans | 0.4340% | 976 |
| Credit loss provision to net charge-offs | 69.1244% | 3,097 |
| Earnings coverage of net charge-offs (x) | 5.2465% | 3,472 |
| Efficiency ratio | 57.5820% | 5,508 |
| Assets per employee ($millions) | 4.5066% | 3,028 |
| Cash dividends to net income (ytd only)* | 38.8423% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 5,103 |
| Loan loss allowance to noncurrent loans | 1,777.4194% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 5,860 |
| Noncurrent loans to loans | 0.0558% | 5,655 |
| Net loans and leases to total assets | 78.6814% | 922 |
| Net loans and leases to deposits | 93.4551% | 1,134 |
| Net loans and leases to core deposits | 117.8095% | 473 |
| Total domestic deposits to total assets | 84.1916% | 3,630 |
| Equity capital to assets | 10.2703% | 3,765 |
| Core capital (leverage) ratio | 10.3972% | 3,063 |
| Tier 1 risk-based capital ratio | 11.5267% | 5,645 |
| Total risk-based capital ratio | 12.4121% | 5,774 |
| Memoranda: | ||
| Average total assets | $129,542,400 | 3,982 |
| Average earning assets | $119,866,800 | 3,970 |
| Average equity | $14,156,800 | 3,997 |
| Average total loans | $100,002,200 | 3,422 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4324% | 2,109 |
| Cost of funding earning assets | 0.3802% | 4,015 |
| Net interest margin | 4.0522% | 1,714 |
| Noninterest income to average assets | 0.4084% | 4,176 |
| Noninterest expense to average assets | 2.0955% | 5,578 |
| Loan and lease loss provision to assets | 0.2100% | 1,107 |
| Net operating income to assets | 1.2089% | 1,655 |
| Return on assets (ROA) | 1.2157% | 1,693 |
| Pretax return on assets | 1.8729% | 758 |
| Return on Equity (ROE) | 10.9431% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.9431% | 522 |
| Net charge-offs to loans | 0.0178% | 4,176 |
| Credit loss provision to net charge-offs | 1,538.4615% | 238 |
| Earnings coverage of net charge-offs (x) | 151.8713% | 413 |
| Efficiency ratio | 50.2771% | 6,088 |
| Assets per employee ($millions) | 4.4265% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 3,606 |
| Loan loss allowance to noncurrent loans | 1,046.3235% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 5,767 |
| Noncurrent loans to loans | 0.1249% | 5,549 |
| Net loans and leases to total assets | 78.3058% | 926 |
| Net loans and leases to deposits | 92.7038% | 1,163 |
| Net loans and leases to core deposits | 116.9775% | 466 |
| Total domestic deposits to total assets | 84.4688% | 3,560 |
| Equity capital to assets | 10.7141% | 3,279 |
| Core capital (leverage) ratio | 10.9902% | 2,498 |
| Tier 1 risk-based capital ratio | 12.1137% | 5,414 |
| Total risk-based capital ratio | 13.2864% | 5,374 |
| Memoranda: | ||
| Average total assets | $127,002,000 | 4,066 |
| Average earning assets | $117,826,250 | 4,039 |
| Average equity | $14,109,000 | 4,027 |
| Average total loans | $97,247,000 | 3,507 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 2,458 |
| Cost of funding earning assets | 0.3881% | 4,017 |
| Net interest margin | 3.9455% | 1,990 |
| Noninterest income to average assets | 0.1796% | 5,873 |
| Noninterest expense to average assets | 2.1004% | 5,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1586% | 1,723 |
| Return on assets (ROA) | 1.1586% | 1,800 |
| Pretax return on assets | 1.7476% | 938 |
| Return on Equity (ROE) | 10.2938% | 2,017 |
| Retained earnings to average equity (ytd only) | 10.2938% | 658 |
| Net charge-offs to loans | 0.0300% | 3,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 77.1429% | 685 |
| Efficiency ratio | 54.5837% | 5,863 |
| Assets per employee ($millions) | 4.6932% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 4,246 |
| Loan loss allowance to noncurrent loans | 1,373.0337% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 5,960 |
| Noncurrent loans to loans | 0.0900% | 5,745 |
| Net loans and leases to total assets | 77.1039% | 1,038 |
| Net loans and leases to deposits | 92.9734% | 1,052 |
| Net loans and leases to core deposits | 103.0916% | 1,075 |
| Total domestic deposits to total assets | 82.9311% | 4,327 |
| Equity capital to assets | 11.2598% | 2,650 |
| Core capital (leverage) ratio | 11.9725% | 1,672 |
| Tier 1 risk-based capital ratio | 12.8964% | 4,977 |
| Total risk-based capital ratio | 14.0016% | 5,007 |
| Memoranda: | ||
| Average total assets | $123,595,670 | 4,167 |
| Average earning assets | $114,916,670 | 4,129 |
| Average equity | $13,911,330 | 4,060 |
| Average total loans | $93,371,000 | 3,609 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 2,402 |
| Cost of funding earning assets | 0.4078% | 3,870 |
| Net interest margin | 3.9236% | 2,000 |
| Noninterest income to average assets | 0.1999% | 5,759 |
| Noninterest expense to average assets | 2.0617% | 5,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1997% | 1,487 |
| Return on assets (ROA) | 1.1997% | 1,552 |
| Pretax return on assets | 1.7962% | 802 |
| Return on Equity (ROE) | 10.6605% | 1,796 |
| Retained earnings to average equity (ytd only) | 10.6605% | 804 |
| Net charge-offs to loans | 0.0618% | 2,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 39.1429% | 889 |
| Efficiency ratio | 53.4410% | 6,062 |
| Assets per employee ($millions) | 4.3380% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 3,586 |
| Loan loss allowance to noncurrent loans | 598.5294% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 5,709 |
| Noncurrent loans to loans | 0.2345% | 5,399 |
| Net loans and leases to total assets | 73.2433% | 1,395 |
| Net loans and leases to deposits | 83.3482% | 1,900 |
| Net loans and leases to core deposits | 85.4325% | 2,374 |
| Total domestic deposits to total assets | 87.8763% | 2,300 |
| Equity capital to assets | 11.8812% | 1,950 |
| Core capital (leverage) ratio | 11.6146% | 1,890 |
| Tier 1 risk-based capital ratio | 14.1956% | 4,194 |
| Total risk-based capital ratio | 15.4419% | 4,144 |
| Memoranda: | ||
| Average total assets | $122,035,500 | 4,229 |
| Average earning assets | $113,774,000 | 4,183 |
| Average equity | $13,733,000 | 4,094 |
| Average total loans | $90,594,000 | 3,691 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 2,398 |
| Cost of funding earning assets | 0.4524% | 4,087 |
| Net interest margin | 3.9962% | 1,955 |
| Noninterest income to average assets | 0.1729% | 6,049 |
| Noninterest expense to average assets | 2.1449% | 5,739 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1710% | 1,683 |
| Return on assets (ROA) | 1.1710% | 1,737 |
| Pretax return on assets | 1.7846% | 781 |
| Return on Equity (ROE) | 11.2128% | 1,698 |
| Retained earnings to average equity (ytd only) | 11.2128% | 395 |
| Net charge-offs to loans | -0.0084% | 5,995 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5849% | 6,086 |
| Assets per employee ($millions) | 4.8825% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,087 |
| Loan loss allowance to noncurrent loans | 315.8568% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 5,339 |
| Noncurrent loans to loans | 0.4152% | 4,966 |
| Net loans and leases to total assets | 73.2167% | 1,487 |
| Net loans and leases to deposits | 82.2158% | 2,160 |
| Net loans and leases to core deposits | 92.2092% | 1,778 |
| Total domestic deposits to total assets | 89.0543% | 1,582 |
| Equity capital to assets | 10.6739% | 2,957 |
| Core capital (leverage) ratio | 10.6342% | 2,749 |
| Tier 1 risk-based capital ratio | 12.9862% | 4,979 |
| Total risk-based capital ratio | 14.1705% | 4,984 |
| Memoranda: | ||
| Average total assets | $123,223,600 | 4,209 |
| Average earning assets | $115,834,600 | 4,135 |
| Average equity | $12,869,200 | 4,290 |
| Average total loans | $95,016,800 | 3,577 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 2,432 |
| Cost of funding earning assets | 0.4555% | 4,214 |
| Net interest margin | 3.9925% | 1,970 |
| Noninterest income to average assets | 0.1679% | 6,182 |
| Noninterest expense to average assets | 1.9123% | 6,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3257% | 1,276 |
| Return on assets (ROA) | 1.3257% | 1,333 |
| Pretax return on assets | 2.0115% | 566 |
| Return on Equity (ROE) | 12.7671% | 1,295 |
| Retained earnings to average equity (ytd only) | 12.7671% | 358 |
| Net charge-offs to loans | -0.0098% | 5,886 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7358% | 6,467 |
| Assets per employee ($millions) | 5.2041% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 4,590 |
| Loan loss allowance to noncurrent loans | 156.5272% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 4,546 |
| Noncurrent loans to loans | 0.8055% | 4,225 |
| Net loans and leases to total assets | 77.4394% | 810 |
| Net loans and leases to deposits | 87.8252% | 1,385 |
| Net loans and leases to core deposits | 98.8381% | 1,182 |
| Total domestic deposits to total assets | 88.1744% | 2,015 |
| Equity capital to assets | 10.6670% | 3,104 |
| Core capital (leverage) ratio | 10.9560% | 2,523 |
| Tier 1 risk-based capital ratio | 12.4083% | 5,513 |
| Total risk-based capital ratio | 13.5592% | 5,508 |
| Memoranda: | ||
| Average total assets | $122,293,250 | 4,268 |
| Average earning assets | $115,047,000 | 4,202 |
| Average equity | $12,699,000 | 4,367 |
| Average total loans | $95,226,000 | 3,594 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3851% | 2,627 |
| Cost of funding earning assets | 0.4637% | 4,274 |
| Net interest margin | 3.9214% | 2,142 |
| Noninterest income to average assets | 0.1697% | 6,198 |
| Noninterest expense to average assets | 1.8892% | 6,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2847% | 1,363 |
| Return on assets (ROA) | 1.2847% | 1,458 |
| Pretax return on assets | 1.9716% | 638 |
| Return on Equity (ROE) | 12.4890% | 1,360 |
| Retained earnings to average equity (ytd only) | 12.4890% | 431 |
| Net charge-offs to loans | -0.0042% | 5,606 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9334% | 6,488 |
| Assets per employee ($millions) | 4.4433% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 4,303 |
| Loan loss allowance to noncurrent loans | 216.1687% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4925% | 5,034 |
| Noncurrent loans to loans | 0.6211% | 4,702 |
| Net loans and leases to total assets | 78.2350% | 718 |
| Net loans and leases to deposits | 93.9590% | 816 |
| Net loans and leases to core deposits | 96.2278% | 1,334 |
| Total domestic deposits to total assets | 83.2651% | 4,606 |
| Equity capital to assets | 11.1578% | 2,602 |
| Core capital (leverage) ratio | 11.3549% | 2,052 |
| Tier 1 risk-based capital ratio | 12.5719% | 5,452 |
| Total risk-based capital ratio | 13.7724% | 5,422 |
| Memoranda: | ||
| Average total assets | $121,424,670 | 4,317 |
| Average earning assets | $114,296,000 | 4,249 |
| Average equity | $12,491,000 | 4,428 |
| Average total loans | $94,316,000 | 3,623 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 2,883 |
| Cost of funding earning assets | 0.4680% | 4,397 |
| Net interest margin | 3.8331% | 2,340 |
| Noninterest income to average assets | 0.1705% | 6,236 |
| Noninterest expense to average assets | 1.8846% | 6,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1771% | 1,592 |
| Return on assets (ROA) | 1.1771% | 1,703 |
| Pretax return on assets | 1.8943% | 746 |
| Return on Equity (ROE) | 11.9107% | 1,447 |
| Retained earnings to average equity (ytd only) | 11.9107% | 712 |
| Net charge-offs to loans | -0.0084% | 5,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8723% | 6,509 |
| Assets per employee ($millions) | 4.5020% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 4,178 |
| Loan loss allowance to noncurrent loans | 440.8602% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 5,853 |
| Noncurrent loans to loans | 0.3200% | 5,595 |
| Net loans and leases to total assets | 73.4340% | 1,150 |
| Net loans and leases to deposits | 82.6047% | 1,755 |
| Net loans and leases to core deposits | 84.6515% | 2,247 |
| Total domestic deposits to total assets | 88.8981% | 1,740 |
| Equity capital to assets | 10.6577% | 3,369 |
| Core capital (leverage) ratio | 10.4938% | 2,785 |
| Tier 1 risk-based capital ratio | 13.0214% | 5,199 |
| Total risk-based capital ratio | 14.2684% | 5,152 |
| Memoranda: | ||
| Average total assets | $124,374,500 | 4,296 |
| Average earning assets | $117,086,000 | 4,217 |
| Average equity | $12,291,500 | 4,522 |
| Average total loans | $95,668,500 | 3,617 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7042% | 2,579 |
| Cost of funding earning assets | 0.5548% | 4,771 |
| Net interest margin | 4.1495% | 1,819 |
| Noninterest income to average assets | 0.1678% | 6,189 |
| Noninterest expense to average assets | 2.2084% | 5,908 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2531% | 1,441 |
| Return on assets (ROA) | 1.2638% | 1,568 |
| Pretax return on assets | 1.9420% | 681 |
| Return on Equity (ROE) | 12.4927% | 1,362 |
| Retained earnings to average equity (ytd only) | 6.9347% | 1,601 |
| Net charge-offs to loans | 0.0022% | 5,960 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1,113.0000% | 26 |
| Efficiency ratio | 53.4212% | 6,330 |
| Assets per employee ($millions) | 5.2679% | 1,936 |
| Cash dividends to net income (ytd only)* | 44.4901% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 5,215 |
| Loan loss allowance to noncurrent loans | 11,163.6364% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 6,668 |
| Noncurrent loans to loans | 0.0106% | 6,535 |
| Net loans and leases to total assets | 78.1514% | 655 |
| Net loans and leases to deposits | 92.2233% | 897 |
| Net loans and leases to core deposits | 107.9536% | 611 |
| Total domestic deposits to total assets | 84.7415% | 3,972 |
| Equity capital to assets | 9.1938% | 5,277 |
| Core capital (leverage) ratio | 9.7730% | 3,693 |
| Tier 1 risk-based capital ratio | 10.6054% | 6,512 |
| Total risk-based capital ratio | 11.6821% | 6,548 |
| Memoranda: | ||
| Average total assets | $115,602,800 | 4,449 |
| Average earning assets | $110,496,200 | 4,325 |
| Average equity | $11,694,800 | 4,634 |
| Average total loans | $90,322,200 | 3,742 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7120% | 2,764 |
| Cost of funding earning assets | 0.5860% | 4,779 |
| Net interest margin | 4.1259% | 2,000 |
| Noninterest income to average assets | 0.1697% | 6,287 |
| Noninterest expense to average assets | 2.0947% | 6,176 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3059% | 1,431 |
| Return on assets (ROA) | 1.3204% | 1,528 |
| Pretax return on assets | 2.0601% | 614 |
| Return on Equity (ROE) | 12.7102% | 1,409 |
| Retained earnings to average equity (ytd only) | 9.2595% | 1,136 |
| Net charge-offs to loans | 0.0061% | 5,659 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 426.5066% | 108 |
| Efficiency ratio | 50.6940% | 6,537 |
| Assets per employee ($millions) | 4.4068% | 3,063 |
| Cash dividends to net income (ytd only)* | 27.1493% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 5,033 |
| Loan loss allowance to noncurrent loans | 8,173.3333% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 6,749 |
| Noncurrent loans to loans | 0.0153% | 6,613 |
| Net loans and leases to total assets | 81.2242% | 408 |
| Net loans and leases to deposits | 92.0348% | 969 |
| Net loans and leases to core deposits | 108.8530% | 613 |
| Total domestic deposits to total assets | 88.2538% | 1,875 |
| Equity capital to assets | 10.1729% | 4,240 |
| Core capital (leverage) ratio | 10.3730% | 3,072 |
| Tier 1 risk-based capital ratio | 11.6680% | 6,136 |
| Total risk-based capital ratio | 12.8510% | 6,140 |
| Memoranda: | ||
| Average total assets | $111,579,250 | 4,604 |
| Average earning assets | $107,156,750 | 4,462 |
| Average equity | $11,591,500 | 4,697 |
| Average total loans | $86,865,000 | 3,864 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 3,389 |
| Cost of funding earning assets | 0.6026% | 4,882 |
| Net interest margin | 3.9915% | 2,541 |
| Noninterest income to average assets | 0.1650% | 6,351 |
| Noninterest expense to average assets | 2.1648% | 6,096 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1841% | 1,770 |
| Return on assets (ROA) | 1.1841% | 1,969 |
| Pretax return on assets | 1.8367% | 970 |
| Return on Equity (ROE) | 11.3128% | 1,874 |
| Retained earnings to average equity (ytd only) | 6.0592% | 2,676 |
| Net charge-offs to loans | 0.0096% | 5,328 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 250.5000% | 172 |
| Efficiency ratio | 54.0999% | 6,307 |
| Assets per employee ($millions) | 4.0999% | 3,664 |
| Cash dividends to net income (ytd only)* | 46.4396% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 4,699 |
| Loan loss allowance to noncurrent loans | 3,954.8387% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 6,760 |
| Noncurrent loans to loans | 0.0339% | 6,598 |
| Net loans and leases to total assets | 81.4503% | 374 |
| Net loans and leases to deposits | 102.2164% | 332 |
| Net loans and leases to core deposits | 104.8944% | 799 |
| Total domestic deposits to total assets | 79.6842% | 5,819 |
| Equity capital to assets | 10.5315% | 3,649 |
| Core capital (leverage) ratio | 11.0947% | 2,209 |
| Tier 1 risk-based capital ratio | 12.1287% | 5,845 |
| Total risk-based capital ratio | 13.3777% | 5,823 |
| Memoranda: | ||
| Average total assets | $109,111,330 | 4,690 |
| Average earning assets | $104,872,330 | 4,539 |
| Average equity | $11,420,670 | 4,730 |
| Average total loans | $83,197,000 | 4,006 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 4,063 |
| Cost of funding earning assets | 0.6336% | 4,863 |
| Net interest margin | 3.8283% | 3,251 |
| Noninterest income to average assets | 0.1588% | 6,435 |
| Noninterest expense to average assets | 2.1788% | 6,096 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1042% | 2,066 |
| Return on assets (ROA) | 1.1042% | 2,251 |
| Pretax return on assets | 1.6618% | 1,397 |
| Return on Equity (ROE) | 10.5822% | 2,198 |
| Retained earnings to average equity (ytd only) | -0.0354% | 5,992 |
| Net charge-offs to loans | 0.0253% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 377 |
| Efficiency ratio | 56.7308% | 6,053 |
| Assets per employee ($millions) | 3.9834% | 4,054 |
| Cash dividends to net income (ytd only)* | 100.3344% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 3,666 |
| Loan loss allowance to noncurrent loans | 313.2992% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 5,975 |
| Noncurrent loans to loans | 0.5157% | 5,639 |
| Net loans and leases to total assets | 69.3578% | 1,875 |
| Net loans and leases to deposits | 77.8808% | 2,535 |
| Net loans and leases to core deposits | 79.9655% | 3,074 |
| Total domestic deposits to total assets | 89.0564% | 1,663 |
| Equity capital to assets | 10.5122% | 3,475 |
| Core capital (leverage) ratio | 10.2726% | 3,031 |
| Tier 1 risk-based capital ratio | 14.1978% | 4,321 |
| Total risk-based capital ratio | 15.4519% | 4,293 |
| Memoranda: | ||
| Average total assets | $108,318,500 | 4,744 |
| Average earning assets | $104,172,500 | 4,593 |
| Average equity | $11,302,000 | 4,764 |
| Average total loans | $79,101,000 | 4,148 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0537% | 2,637 |
| Cost of funding earning assets | 0.7791% | 5,004 |
| Net interest margin | 4.2746% | 1,787 |
| Noninterest income to average assets | 0.1624% | 6,329 |
| Noninterest expense to average assets | 2.3424% | 5,932 |
| Loan and lease loss provision to assets | 0.0389% | 6,084 |
| Net operating income to assets | 1.2096% | 1,488 |
| Return on assets (ROA) | 1.2096% | 1,597 |
| Pretax return on assets | 1.8727% | 706 |
| Return on Equity (ROE) | 11.5495% | 1,539 |
| Retained earnings to average equity (ytd only) | 7.8359% | 1,136 |
| Net charge-offs to loans | -0.0139% | 6,919 |
| Credit loss provision to net charge-offs | -363.6364% | 6,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0629% | 6,411 |
| Assets per employee ($millions) | 4.0402% | 3,766 |
| Cash dividends to net income (ytd only)* | 32.1543% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 4,056 |
| Loan loss allowance to noncurrent loans | 24,600.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,991 |
| Noncurrent loans to loans | 0.0061% | 6,849 |
| Net loans and leases to total assets | 74.3927% | 1,199 |
| Net loans and leases to deposits | 83.4193% | 2,002 |
| Net loans and leases to core deposits | 91.3977% | 1,948 |
| Total domestic deposits to total assets | 89.1792% | 1,435 |
| Equity capital to assets | 10.3570% | 3,704 |
| Core capital (leverage) ratio | 10.5156% | 2,712 |
| Tier 1 risk-based capital ratio | 13.1691% | 4,942 |
| Total risk-based capital ratio | 14.4209% | 4,916 |
| Memoranda: | ||
| Average total assets | $102,845,000 | 4,826 |
| Average earning assets | $98,441,800 | 4,672 |
| Average equity | $10,771,000 | 4,834 |
| Average total loans | $78,895,400 | 4,175 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1236% | 2,499 |
| Cost of funding earning assets | 0.8324% | 4,929 |
| Net interest margin | 4.2912% | 1,751 |
| Noninterest income to average assets | 0.1645% | 6,418 |
| Noninterest expense to average assets | 2.1062% | 6,493 |
| Loan and lease loss provision to assets | 0.0527% | 5,791 |
| Net operating income to assets | 1.3704% | 1,218 |
| Return on assets (ROA) | 1.3704% | 1,302 |
| Pretax return on assets | 2.1115% | 507 |
| Return on Equity (ROE) | 13.0458% | 1,265 |
| Retained earnings to average equity (ytd only) | 8.0330% | 1,499 |
| Net charge-offs to loans | -0.0273% | 6,958 |
| Credit loss provision to net charge-offs | -250.0000% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3218% | 6,862 |
| Assets per employee ($millions) | 4.0533% | 3,729 |
| Cash dividends to net income (ytd only)* | 38.4245% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 4,150 |
| Loan loss allowance to noncurrent loans | 364.3068% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 6,266 |
| Noncurrent loans to loans | 0.4090% | 6,027 |
| Net loans and leases to total assets | 77.4678% | 772 |
| Net loans and leases to deposits | 87.1581% | 1,536 |
| Net loans and leases to core deposits | 95.5581% | 1,648 |
| Total domestic deposits to total assets | 88.8819% | 1,493 |
| Equity capital to assets | 10.5288% | 3,670 |
| Core capital (leverage) ratio | 11.0533% | 2,342 |
| Tier 1 risk-based capital ratio | 12.8574% | 5,199 |
| Total risk-based capital ratio | 14.1102% | 5,175 |
| Memoranda: | ||
| Average total assets | $101,284,750 | 4,886 |
| Average earning assets | $96,908,000 | 4,743 |
| Average equity | $10,639,250 | 4,884 |
| Average total loans | $78,023,750 | 4,245 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0141% | 3,088 |
| Cost of funding earning assets | 0.8799% | 4,829 |
| Net interest margin | 4.1342% | 2,289 |
| Noninterest income to average assets | 0.1621% | 6,500 |
| Noninterest expense to average assets | 2.1938% | 6,398 |
| Loan and lease loss provision to assets | 0.0801% | 5,307 |
| Net operating income to assets | 1.2030% | 1,561 |
| Return on assets (ROA) | 1.2030% | 1,647 |
| Pretax return on assets | 1.8475% | 795 |
| Return on Equity (ROE) | 11.4618% | 1,651 |
| Retained earnings to average equity (ytd only) | 3.8333% | 3,768 |
| Net charge-offs to loans | -0.0445% | 7,007 |
| Credit loss provision to net charge-offs | -235.2941% | 6,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2297% | 6,692 |
| Assets per employee ($millions) | 3.7400% | 4,337 |
| Cash dividends to net income (ytd only)* | 66.5557% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 3,805 |
| Loan loss allowance to noncurrent loans | 852.4138% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 6,718 |
| Noncurrent loans to loans | 0.1846% | 6,534 |
| Net loans and leases to total assets | 79.4858% | 588 |
| Net loans and leases to deposits | 89.8702% | 1,282 |
| Net loans and leases to core deposits | 99.7033% | 1,366 |
| Total domestic deposits to total assets | 88.4451% | 1,885 |
| Equity capital to assets | 10.9615% | 3,002 |
| Core capital (leverage) ratio | 11.2673% | 2,069 |
| Tier 1 risk-based capital ratio | 13.0009% | 4,913 |
| Total risk-based capital ratio | 14.2405% | 4,906 |
| Memoranda: | ||
| Average total assets | $99,917,330 | 4,966 |
| Average earning assets | $95,690,330 | 4,828 |
| Average equity | $10,487,000 | 4,926 |
| Average total loans | $76,406,330 | 4,333 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8812% | 3,683 |
| Cost of funding earning assets | 0.9160% | 4,806 |
| Net interest margin | 3.9652% | 2,848 |
| Noninterest income to average assets | 0.1541% | 6,616 |
| Noninterest expense to average assets | 2.1214% | 6,587 |
| Loan and lease loss provision to assets | 0.1580% | 4,046 |
| Net operating income to assets | 1.0903% | 1,870 |
| Return on assets (ROA) | 1.0903% | 1,915 |
| Pretax return on assets | 1.6710% | 1,032 |
| Return on Equity (ROE) | 10.6144% | 1,870 |
| Retained earnings to average equity (ytd only) | -4.7688% | 6,501 |
| Net charge-offs to loans | -0.0106% | 6,380 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7000% | 6,718 |
| Assets per employee ($millions) | 3.6347% | 4,684 |
| Cash dividends to net income (ytd only)* | 144.9275% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 3,300 |
| Loan loss allowance to noncurrent loans | 1,271.8750% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 6,916 |
| Noncurrent loans to loans | 0.1345% | 6,707 |
| Net loans and leases to total assets | 71.4671% | 1,819 |
| Net loans and leases to deposits | 80.4743% | 2,617 |
| Net loans and leases to core deposits | 84.8260% | 3,058 |
| Total domestic deposits to total assets | 88.8074% | 1,892 |
| Equity capital to assets | 10.5344% | 3,145 |
| Core capital (leverage) ratio | 9.9439% | 3,207 |
| Tier 1 risk-based capital ratio | 13.6683% | 4,312 |
| Total risk-based capital ratio | 14.9226% | 4,279 |
| Memoranda: | ||
| Average total assets | $101,256,000 | 4,967 |
| Average earning assets | $96,944,000 | 4,825 |
| Average equity | $10,401,000 | 4,940 |
| Average total loans | $75,345,500 | 4,410 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5009% | 2,276 |
| Cost of funding earning assets | 1.1216% | 5,014 |
| Net interest margin | 4.3792% | 1,560 |
| Noninterest income to average assets | 0.2177% | 6,245 |
| Noninterest expense to average assets | 2.3647% | 6,183 |
| Loan and lease loss provision to assets | 0.0051% | 7,018 |
| Net operating income to assets | 1.3004% | 1,174 |
| Return on assets (ROA) | 1.3004% | 1,229 |
| Pretax return on assets | 1.9994% | 476 |
| Return on Equity (ROE) | 12.9636% | 1,097 |
| Retained earnings to average equity (ytd only) | 10.4277% | 448 |
| Net charge-offs to loans | 0.0552% | 6,239 |
| Credit loss provision to net charge-offs | 11.9048% | 6,601 |
| Earnings coverage of net charge-offs (x) | 46.9048% | 494 |
| Efficiency ratio | 54.1220% | 6,795 |
| Assets per employee ($millions) | 3.7277% | 4,404 |
| Cash dividends to net income (ytd only)* | 19.5618% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 4,086 |
| Loan loss allowance to noncurrent loans | 2,620.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 7,128 |
| Noncurrent loans to loans | 0.0567% | 6,983 |
| Net loans and leases to total assets | 74.8793% | 1,499 |
| Net loans and leases to deposits | 83.9331% | 2,460 |
| Net loans and leases to core deposits | 101.3841% | 1,504 |
| Total domestic deposits to total assets | 89.2130% | 1,533 |
| Equity capital to assets | 10.0253% | 3,717 |
| Core capital (leverage) ratio | 10.0984% | 2,976 |
| Tier 1 risk-based capital ratio | 12.5329% | 4,997 |
| Total risk-based capital ratio | 13.7845% | 4,985 |
| Memoranda: | ||
| Average total assets | $98,278,400 | 5,040 |
| Average earning assets | $93,167,000 | 4,912 |
| Average equity | $9,858,400 | 5,172 |
| Average total loans | $76,099,400 | 4,448 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5366% | 2,303 |
| Cost of funding earning assets | 1.1551% | 5,118 |
| Net interest margin | 4.3815% | 1,585 |
| Noninterest income to average assets | 0.2315% | 6,238 |
| Noninterest expense to average assets | 2.2173% | 6,562 |
| Loan and lease loss provision to assets | 0.0069% | 6,950 |
| Net operating income to assets | 1.3463% | 1,232 |
| Return on assets (ROA) | 1.3463% | 1,312 |
| Pretax return on assets | 2.1525% | 455 |
| Return on Equity (ROE) | 13.4195% | 1,155 |
| Retained earnings to average equity (ytd only) | 9.9857% | 801 |
| Net charge-offs to loans | 0.0761% | 5,756 |
| Credit loss provision to net charge-offs | 11.6279% | 6,321 |
| Earnings coverage of net charge-offs (x) | 36.4430% | 750 |
| Efficiency ratio | 50.6612% | 7,103 |
| Assets per employee ($millions) | 3.7476% | 4,398 |
| Cash dividends to net income (ytd only)* | 25.5890% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 3,957 |
| Loan loss allowance to noncurrent loans | 108.8725% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0693% | 4,978 |
| Noncurrent loans to loans | 1.3785% | 4,557 |
| Net loans and leases to total assets | 76.4086% | 1,330 |
| Net loans and leases to deposits | 85.7910% | 2,390 |
| Net loans and leases to core deposits | 104.6963% | 1,426 |
| Total domestic deposits to total assets | 89.0636% | 1,364 |
| Equity capital to assets | 10.0450% | 4,104 |
| Core capital (leverage) ratio | 10.2230% | 3,016 |
| Tier 1 risk-based capital ratio | 12.3325% | 5,140 |
| Total risk-based capital ratio | 13.5752% | 5,128 |
| Memoranda: | ||
| Average total assets | $96,754,000 | 5,143 |
| Average earning assets | $91,533,250 | 5,023 |
| Average equity | $9,707,000 | 5,284 |
| Average total loans | $75,290,500 | 4,551 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4415% | 2,796 |
| Cost of funding earning assets | 1.1835% | 5,217 |
| Net interest margin | 4.2580% | 1,926 |
| Noninterest income to average assets | 0.2540% | 6,093 |
| Noninterest expense to average assets | 2.3321% | 6,267 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2049% | 1,547 |
| Return on assets (ROA) | 1.2049% | 1,619 |
| Pretax return on assets | 1.9396% | 686 |
| Return on Equity (ROE) | 12.0151% | 1,453 |
| Retained earnings to average equity (ytd only) | 6.7820% | 1,933 |
| Net charge-offs to loans | 0.1347% | 4,864 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 18.4800% | 1,289 |
| Efficiency ratio | 54.5946% | 6,807 |
| Assets per employee ($millions) | 3.7158% | 4,420 |
| Cash dividends to net income (ytd only)* | 43.5540% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 4,117 |
| Loan loss allowance to noncurrent loans | 186.8590% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 5,564 |
| Noncurrent loans to loans | 0.7818% | 5,711 |
| Net loans and leases to total assets | 81.4038% | 614 |
| Net loans and leases to deposits | 93.4937% | 1,338 |
| Net loans and leases to core deposits | 112.9908% | 978 |
| Total domestic deposits to total assets | 87.0688% | 2,492 |
| Equity capital to assets | 10.1044% | 3,882 |
| Core capital (leverage) ratio | 10.6733% | 2,479 |
| Tier 1 risk-based capital ratio | 11.7582% | 5,535 |
| Total risk-based capital ratio | 13.0103% | 5,497 |
| Memoranda: | ||
| Average total assets | $95,277,000 | 5,213 |
| Average earning assets | $89,901,000 | 5,096 |
| Average equity | $9,554,670 | 5,327 |
| Average total loans | $74,223,330 | 4,631 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4458% | 2,833 |
| Cost of funding earning assets | 1.2352% | 5,205 |
| Net interest margin | 4.2106% | 1,998 |
| Noninterest income to average assets | 0.3255% | 5,548 |
| Noninterest expense to average assets | 2.4268% | 5,994 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1077% | 1,807 |
| Return on assets (ROA) | 1.1077% | 1,888 |
| Pretax return on assets | 1.8476% | 809 |
| Return on Equity (ROE) | 11.0888% | 1,765 |
| Retained earnings to average equity (ytd only) | 0.5079% | 5,629 |
| Net charge-offs to loans | 0.2856% | 3,265 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 8.5686% | 1,944 |
| Efficiency ratio | 56.7755% | 6,656 |
| Assets per employee ($millions) | 2.9905% | 6,234 |
| Cash dividends to net income (ytd only)* | 95.4198% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6803% | 3,135 |
| Loan loss allowance to noncurrent loans | 689.9408% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 6,650 |
| Noncurrent loans to loans | 0.2435% | 6,857 |
| Net loans and leases to total assets | 76.0455% | 1,537 |
| Net loans and leases to deposits | 85.8662% | 2,611 |
| Net loans and leases to core deposits | 92.8800% | 2,994 |
| Total domestic deposits to total assets | 88.5628% | 1,754 |
| Equity capital to assets | 10.5388% | 3,207 |
| Core capital (leverage) ratio | 10.1724% | 2,958 |
| Tier 1 risk-based capital ratio | 12.8429% | 4,442 |
| Total risk-based capital ratio | 14.0974% | 4,415 |
| Memoranda: | ||
| Average total assets | $94,610,000 | 5,296 |
| Average earning assets | $88,729,500 | 5,206 |
| Average equity | $9,451,000 | 5,408 |
| Average total loans | $71,429,500 | 4,806 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9298% | 2,131 |
| Cost of funding earning assets | 1.4280% | 5,816 |
| Net interest margin | 4.5018% | 1,176 |
| Noninterest income to average assets | 0.1866% | 6,755 |
| Noninterest expense to average assets | 2.5397% | 5,986 |
| Loan and lease loss provision to assets | 0.2096% | 5,665 |
| Net operating income to assets | 1.0848% | 1,552 |
| Return on assets (ROA) | 1.0848% | 1,603 |
| Pretax return on assets | 1.6603% | 850 |
| Return on Equity (ROE) | 11.5570% | 1,275 |
| Retained earnings to average equity (ytd only) | 11.5570% | 243 |
| Net charge-offs to loans | -0.0396% | 7,831 |
| Credit loss provision to net charge-offs | -689.6552% | 7,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5945% | 6,821 |
| Assets per employee ($millions) | 3.3168% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 3,068 |
| Loan loss allowance to noncurrent loans | 242.7146% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 5,878 |
| Noncurrent loans to loans | 0.6819% | 5,876 |
| Net loans and leases to total assets | 72.6122% | 2,599 |
| Net loans and leases to deposits | 81.0136% | 3,796 |
| Net loans and leases to core deposits | 90.7084% | 5,050 |
| Total domestic deposits to total assets | 89.6296% | 1,140 |
| Equity capital to assets | 9.4941% | 4,416 |
| Core capital (leverage) ratio | 9.5873% | 3,615 |
| Tier 1 risk-based capital ratio | 12.0050% | 4,941 |
| Total risk-based capital ratio | 13.2647% | 4,888 |
| Memoranda: | ||
| Average total assets | $95,405,000 | 5,229 |
| Average earning assets | $89,496,600 | 5,140 |
| Average equity | $8,955,600 | 5,620 |
| Average total loans | $73,321,000 | 4,758 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0487% | 1,845 |
| Cost of funding earning assets | 1.4765% | 5,930 |
| Net interest margin | 4.5721% | 1,036 |
| Noninterest income to average assets | 0.1964% | 6,813 |
| Noninterest expense to average assets | 2.3903% | 6,445 |
| Loan and lease loss provision to assets | 0.2825% | 4,718 |
| Net operating income to assets | 1.1570% | 1,568 |
| Return on assets (ROA) | 1.1570% | 1,629 |
| Pretax return on assets | 1.8280% | 757 |
| Return on Equity (ROE) | 12.3627% | 1,276 |
| Retained earnings to average equity (ytd only) | 12.3627% | 312 |
| Net charge-offs to loans | -0.0691% | 7,890 |
| Credit loss provision to net charge-offs | -526.3158% | 7,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1073% | 7,327 |
| Assets per employee ($millions) | 3.5786% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 2,726 |
| Loan loss allowance to noncurrent loans | 839.0411% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 7,159 |
| Noncurrent loans to loans | 0.1992% | 7,002 |
| Net loans and leases to total assets | 74.5707% | 2,352 |
| Net loans and leases to deposits | 83.2449% | 3,789 |
| Net loans and leases to core deposits | 94.5464% | 4,970 |
| Total domestic deposits to total assets | 89.5799% | 932 |
| Equity capital to assets | 9.5580% | 4,669 |
| Core capital (leverage) ratio | 9.6311% | 3,739 |
| Tier 1 risk-based capital ratio | 11.8846% | 5,077 |
| Total risk-based capital ratio | 13.1390% | 5,008 |
| Memoranda: | ||
| Average total assets | $94,380,250 | 5,292 |
| Average earning assets | $88,855,000 | 5,201 |
| Average equity | $8,832,750 | 5,706 |
| Average total loans | $73,284,250 | 4,800 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1224% | 1,722 |
| Cost of funding earning assets | 1.5323% | 6,010 |
| Net interest margin | 4.5901% | 978 |
| Noninterest income to average assets | 0.2029% | 6,842 |
| Noninterest expense to average assets | 2.4350% | 6,357 |
| Loan and lease loss provision to assets | 0.1282% | 5,819 |
| Net operating income to assets | 1.2047% | 1,459 |
| Return on assets (ROA) | 1.2047% | 1,548 |
| Pretax return on assets | 1.9523% | 630 |
| Return on Equity (ROE) | 12.9675% | 1,186 |
| Retained earnings to average equity (ytd only) | 12.9675% | 334 |
| Net charge-offs to loans | -0.1255% | 7,983 |
| Credit loss provision to net charge-offs | -130.4348% | 6,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9262% | 7,340 |
| Assets per employee ($millions) | 3.2965% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 3,345 |
| Loan loss allowance to noncurrent loans | 473.1602% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 6,853 |
| Noncurrent loans to loans | 0.3110% | 6,733 |
| Net loans and leases to total assets | 79.2906% | 1,461 |
| Net loans and leases to deposits | 97.3814% | 1,615 |
| Net loans and leases to core deposits | 114.1712% | 2,891 |
| Total domestic deposits to total assets | 81.4227% | 4,918 |
| Equity capital to assets | 9.7258% | 4,312 |
| Core capital (leverage) ratio | 9.9513% | 3,343 |
| Tier 1 risk-based capital ratio | 11.5755% | 5,305 |
| Total risk-based capital ratio | 12.8282% | 5,237 |
| Memoranda: | ||
| Average total assets | $93,633,330 | 5,357 |
| Average earning assets | $87,972,670 | 5,266 |
| Average equity | $8,698,670 | 5,777 |
| Average total loans | $73,287,000 | 4,831 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2265% | 1,511 |
| Cost of funding earning assets | 1.6259% | 5,921 |
| Net interest margin | 4.6006% | 939 |
| Noninterest income to average assets | 0.2163% | 6,743 |
| Noninterest expense to average assets | 2.2312% | 6,752 |
| Loan and lease loss provision to assets | 0.1273% | 5,330 |
| Net operating income to assets | 1.3192% | 1,338 |
| Return on assets (ROA) | 1.3192% | 1,437 |
| Pretax return on assets | 2.1548% | 487 |
| Return on Equity (ROE) | 14.5336% | 1,066 |
| Retained earnings to average equity (ytd only) | 14.5336% | 468 |
| Net charge-offs to loans | -0.2473% | 8,039 |
| Credit loss provision to net charge-offs | -66.6667% | 6,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4361% | 7,629 |
| Assets per employee ($millions) | 3.2702% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 2,960 |
| Loan loss allowance to noncurrent loans | 577.1739% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 6,928 |
| Noncurrent loans to loans | 0.2607% | 6,787 |
| Net loans and leases to total assets | 75.9179% | 2,287 |
| Net loans and leases to deposits | 99.7933% | 1,439 |
| Net loans and leases to core deposits | 118.5110% | 2,548 |
| Total domestic deposits to total assets | 76.0752% | 6,493 |
| Equity capital to assets | 9.5199% | 4,640 |
| Core capital (leverage) ratio | 9.4714% | 4,018 |
| Tier 1 risk-based capital ratio | 11.6715% | 5,231 |
| Total risk-based capital ratio | 12.9122% | 5,158 |
| Memoranda: | ||
| Average total assets | $94,299,500 | 5,364 |
| Average earning assets | $88,075,500 | 5,286 |
| Average equity | $8,559,500 | 5,863 |
| Average total loans | $72,791,000 | 4,877 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0170% | 1,097 |
| Cost of funding earning assets | 2.5014% | 4,199 |
| Net interest margin | 4.5156% | 1,385 |
| Noninterest income to average assets | 0.2318% | 6,778 |
| Noninterest expense to average assets | 2.4747% | 6,110 |
| Loan and lease loss provision to assets | 0.0682% | 6,539 |
| Net operating income to assets | 1.2237% | 1,705 |
| Return on assets (ROA) | 1.2237% | 1,647 |
| Pretax return on assets | 1.8691% | 817 |
| Return on Equity (ROE) | 13.5223% | 1,208 |
| Retained earnings to average equity (ytd only) | 5.9890% | 1,538 |
| Net charge-offs to loans | 0.0738% | 5,705 |
| Credit loss provision to net charge-offs | 120.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | 34.1000% | 1,064 |
| Efficiency ratio | 56.0907% | 6,993 |
| Assets per employee ($millions) | 3.4655% | 4,765 |
| Cash dividends to net income (ytd only)* | 55.7103% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 3,670 |
| Loan loss allowance to noncurrent loans | 223.8095% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 5,861 |
| Noncurrent loans to loans | 0.5880% | 5,613 |
| Net loans and leases to total assets | 76.2813% | 2,547 |
| Net loans and leases to deposits | 102.6175% | 1,516 |
| Net loans and leases to core deposits | 120.2352% | 2,661 |
| Total domestic deposits to total assets | 74.3355% | 6,594 |
| Equity capital to assets | 8.6589% | 5,862 |
| Core capital (leverage) ratio | 8.9745% | 4,778 |
| Tier 1 risk-based capital ratio | 10.5498% | 6,157 |
| Total risk-based capital ratio | 11.7998% | 6,056 |
| Memoranda: | ||
| Average total assets | $88,010,200 | 5,421 |
| Average earning assets | $81,473,600 | 5,385 |
| Average equity | $7,964,600 | 6,096 |
| Average total loans | $67,774,000 | 4,955 |