Home > Illini State Bank > Performance and Condition Ratios
Illini State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1746% | 3,678 |
| Cost of funding earning assets | 1.7156% | 1,416 |
| Net interest margin | 2.4590% | 4,133 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.5348% | 4,309 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8435% | 2,730 |
| Return on assets (ROA) | 0.8435% | 2,702 |
| Pretax return on assets | 0.8613% | 3,063 |
| Return on Equity (ROE) | 7.6000% | 3,127 |
| Retained earnings to average equity (ytd only) | 5.1077% | 2,574 |
| Net charge-offs to loans | -0.0069% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.3232% | 2,691 |
| Assets per employee ($millions) | 8.8021% | 1,063 |
| Cash dividends to net income (ytd only)* | 32.7511% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 3,535 |
| Loan loss allowance to noncurrent loans | 1,032.6531% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 3,185 |
| Noncurrent loans to loans | 0.0921% | 3,080 |
| Net loans and leases to total assets | 63.0100% | 2,571 |
| Net loans and leases to deposits | 81.7077% | 1,972 |
| Net loans and leases to core deposits | 104.1800% | 1,210 |
| Total domestic deposits to total assets | 77.1100% | 3,840 |
| Equity capital to assets | 11.4339% | 1,317 |
| Core capital (leverage) ratio | 13.0871% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $162,888,600 | 3,253 |
| Average earning assets | $153,474,400 | 3,219 |
| Average equity | $18,090,200 | 3,003 |
| Average total loans | $101,151,200 | 3,162 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 3,698 |
| Cost of funding earning assets | 1.6188% | 1,334 |
| Net interest margin | 2.4571% | 4,186 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.5220% | 4,299 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8430% | 2,885 |
| Return on assets (ROA) | 0.8430% | 2,870 |
| Pretax return on assets | 0.8677% | 3,180 |
| Return on Equity (ROE) | 7.6500% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.6489% | 2,091 |
| Net charge-offs to loans | -0.0093% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.7165% | 2,637 |
| Assets per employee ($millions) | 8.5043% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,363 |
| Loan loss allowance to noncurrent loans | 132.1149% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 1,225 |
| Noncurrent loans to loans | 0.7575% | 1,097 |
| Net loans and leases to total assets | 61.9500% | 2,661 |
| Net loans and leases to deposits | 79.9585% | 2,055 |
| Net loans and leases to core deposits | 102.7656% | 1,176 |
| Total domestic deposits to total assets | 77.4800% | 3,879 |
| Equity capital to assets | 10.8125% | 1,423 |
| Core capital (leverage) ratio | 13.2720% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $161,800,750 | 3,267 |
| Average earning assets | $152,533,500 | 3,240 |
| Average equity | $17,832,250 | 3,017 |
| Average total loans | $99,842,000 | 3,178 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0177% | 3,648 |
| Cost of funding earning assets | 1.4829% | 1,276 |
| Net interest margin | 2.5348% | 4,177 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.5223% | 4,312 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8896% | 2,795 |
| Return on assets (ROA) | 0.8896% | 2,780 |
| Pretax return on assets | 0.9267% | 3,105 |
| Return on Equity (ROE) | 8.0200% | 3,227 |
| Retained earnings to average equity (ytd only) | 8.0211% | 1,954 |
| Net charge-offs to loans | -0.0141% | 4,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.7795% | 2,863 |
| Assets per employee ($millions) | 8.5146% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,254 |
| Loan loss allowance to noncurrent loans | 131.4650% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 1,119 |
| Noncurrent loans to loans | 0.7900% | 961 |
| Net loans and leases to total assets | 60.7800% | 2,697 |
| Net loans and leases to deposits | 78.6927% | 2,069 |
| Net loans and leases to core deposits | 101.1927% | 1,174 |
| Total domestic deposits to total assets | 77.2400% | 3,922 |
| Equity capital to assets | 11.1876% | 1,309 |
| Core capital (leverage) ratio | 13.1326% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $161,863,667 | 3,275 |
| Average earning assets | $152,672,667 | 3,248 |
| Average equity | $17,952,667 | 3,026 |
| Average total loans | $99,417,333 | 3,178 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 3,660 |
| Cost of funding earning assets | 1.2171% | 1,408 |
| Net interest margin | 2.6880% | 4,088 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.4403% | 4,439 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0599% | 2,351 |
| Return on assets (ROA) | 1.0599% | 2,321 |
| Pretax return on assets | 1.1340% | 2,610 |
| Return on Equity (ROE) | 9.6000% | 2,895 |
| Retained earnings to average equity (ytd only) | 9.5976% | 1,795 |
| Net charge-offs to loans | -0.0282% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.7418% | 3,529 |
| Assets per employee ($millions) | 8.5924% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,417 |
| Loan loss allowance to noncurrent loans | 77.9923% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 604 |
| Noncurrent loans to loans | 1.3120% | 514 |
| Net loans and leases to total assets | 59.8400% | 2,671 |
| Net loans and leases to deposits | 79.0130% | 1,895 |
| Net loans and leases to core deposits | 101.8802% | 1,005 |
| Total domestic deposits to total assets | 75.7400% | 4,173 |
| Equity capital to assets | 11.1034% | 1,301 |
| Core capital (leverage) ratio | 12.8712% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $161,907,000 | 3,324 |
| Average earning assets | $152,828,500 | 3,292 |
| Average equity | $17,879,500 | 3,055 |
| Average total loans | $99,442,000 | 3,219 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3535% | 3,465 |
| Cost of funding earning assets | 0.3433% | 2,535 |
| Net interest margin | 3.0102% | 3,424 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.4430% | 4,477 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.4205% | 1,077 |
| Return on assets (ROA) | 1.4205% | 1,038 |
| Pretax return on assets | 1.4392% | 1,661 |
| Return on Equity (ROE) | 12.0900% | 2,108 |
| Retained earnings to average equity (ytd only) | 8.3627% | 1,693 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.7114% | 4,207 |
| Assets per employee ($millions) | 8.4504% | 1,117 |
| Cash dividends to net income (ytd only)* | 30.8506% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 3,478 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 61.7800% | 2,464 |
| Net loans and leases to deposits | 85.7251% | 1,334 |
| Net loans and leases to core deposits | 99.1118% | 1,049 |
| Total domestic deposits to total assets | 72.0700% | 4,424 |
| Equity capital to assets | 10.9817% | 1,261 |
| Core capital (leverage) ratio | 12.8383% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $159,736,200 | 3,349 |
| Average earning assets | $150,887,800 | 3,322 |
| Average equity | $18,761,800 | 3,058 |
| Average total loans | $91,525,000 | 3,270 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2324% | 3,354 |
| Cost of funding earning assets | 0.2663% | 2,526 |
| Net interest margin | 2.9660% | 3,307 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.4317% | 4,490 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.3356% | 1,252 |
| Return on assets (ROA) | 1.3356% | 1,229 |
| Pretax return on assets | 1.4459% | 1,574 |
| Return on Equity (ROE) | 11.1900% | 2,304 |
| Retained earnings to average equity (ytd only) | 11.1877% | 1,004 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.7910% | 4,227 |
| Assets per employee ($millions) | 8.5302% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 3,608 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,826 |
| Noncurrent loans to loans | 0.0243% | 3,728 |
| Net loans and leases to total assets | 57.8300% | 2,716 |
| Net loans and leases to deposits | 76.0973% | 1,868 |
| Net loans and leases to core deposits | 86.3535% | 1,510 |
| Total domestic deposits to total assets | 76.0000% | 4,366 |
| Equity capital to assets | 10.3046% | 1,466 |
| Core capital (leverage) ratio | 12.8436% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $159,530,750 | 3,370 |
| Average earning assets | $150,680,750 | 3,344 |
| Average equity | $19,044,250 | 3,074 |
| Average total loans | $89,362,250 | 3,308 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1377% | 3,217 |
| Cost of funding earning assets | 0.2295% | 2,515 |
| Net interest margin | 2.9083% | 3,144 |
| Noninterest income to average assets | 0.1097% | 4,445 |
| Noninterest expense to average assets | 1.4671% | 4,457 |
| Loan and lease loss provision to assets | 0.0189% | 2,265 |
| Net operating income to assets | 1.2478% | 1,284 |
| Return on assets (ROA) | 1.2478% | 1,268 |
| Pretax return on assets | 1.3713% | 1,516 |
| Return on Equity (ROE) | 9.9872% | 2,342 |
| Retained earnings to average equity (ytd only) | 9.9872% | 1,025 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5514% | 4,218 |
| Assets per employee ($millions) | 8.2531% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 3,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 57.0105% | 2,638 |
| Net loans and leases to deposits | 73.5857% | 1,909 |
| Net loans and leases to core deposits | 84.4491% | 1,425 |
| Total domestic deposits to total assets | 77.4750% | 4,383 |
| Equity capital to assets | 10.7813% | 1,320 |
| Core capital (leverage) ratio | 12.5733% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,683,000 | 3,422 |
| Average earning assets | $149,916,667 | 3,397 |
| Average equity | $19,825,333 | 3,087 |
| Average total loans | $87,600,000 | 3,359 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0220% | 3,188 |
| Cost of funding earning assets | 0.2015% | 2,778 |
| Net interest margin | 2.8206% | 3,072 |
| Noninterest income to average assets | 0.1052% | 4,478 |
| Noninterest expense to average assets | 1.4986% | 4,432 |
| Loan and lease loss provision to assets | 0.0200% | 1,995 |
| Net operating income to assets | 1.1778% | 1,306 |
| Return on assets (ROA) | 1.1778% | 1,305 |
| Pretax return on assets | 1.2530% | 1,649 |
| Return on Equity (ROE) | 8.8421% | 2,372 |
| Retained earnings to average equity (ytd only) | 8.8421% | 1,314 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4412% | 4,168 |
| Assets per employee ($millions) | 8.5584% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 3,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 51.7788% | 3,005 |
| Net loans and leases to deposits | 67.3393% | 2,211 |
| Net loans and leases to core deposits | 73.3570% | 1,986 |
| Total domestic deposits to total assets | 76.8924% | 4,466 |
| Equity capital to assets | 12.1906% | 892 |
| Core capital (leverage) ratio | 11.9786% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,620,500 | 3,424 |
| Average earning assets | $150,891,500 | 3,399 |
| Average equity | $21,262,000 | 3,040 |
| Average total loans | $86,249,500 | 3,386 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3437% | 3,071 |
| Cost of funding earning assets | 0.2518% | 2,910 |
| Net interest margin | 3.0918% | 2,930 |
| Noninterest income to average assets | 0.1708% | 4,300 |
| Noninterest expense to average assets | 1.4653% | 4,573 |
| Loan and lease loss provision to assets | 0.0657% | 1,749 |
| Net operating income to assets | 1.4653% | 1,093 |
| Return on assets (ROA) | 1.4653% | 1,153 |
| Pretax return on assets | 1.5507% | 1,568 |
| Return on Equity (ROE) | 9.8622% | 2,575 |
| Retained earnings to average equity (ytd only) | 6.9888% | 1,921 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9932% | 4,502 |
| Assets per employee ($millions) | 8.2438% | 1,198 |
| Cash dividends to net income (ytd only)* | 29.1349% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 3,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 55.2352% | 2,711 |
| Net loans and leases to deposits | 75.6583% | 1,592 |
| Net loans and leases to core deposits | 82.0290% | 1,458 |
| Total domestic deposits to total assets | 73.0062% | 4,618 |
| Equity capital to assets | 14.4932% | 579 |
| Core capital (leverage) ratio | 12.0172% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,257,600 | 3,464 |
| Average earning assets | $143,344,600 | 3,438 |
| Average equity | $22,621,800 | 3,008 |
| Average total loans | $87,859,200 | 3,365 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3644% | 3,207 |
| Cost of funding earning assets | 0.2428% | 3,187 |
| Net interest margin | 3.1216% | 2,996 |
| Noninterest income to average assets | 0.1755% | 4,326 |
| Noninterest expense to average assets | 1.4686% | 4,624 |
| Loan and lease loss provision to assets | 0.0794% | 1,489 |
| Net operating income to assets | 1.5427% | 1,166 |
| Return on assets (ROA) | 1.5427% | 1,211 |
| Pretax return on assets | 1.5647% | 1,811 |
| Return on Equity (ROE) | 10.3174% | 2,621 |
| Retained earnings to average equity (ytd only) | 10.3174% | 1,225 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6503% | 4,520 |
| Assets per employee ($millions) | 8.0619% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 3,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.1197% | 2,957 |
| Net loans and leases to deposits | 76.0478% | 1,666 |
| Net loans and leases to core deposits | 82.7914% | 1,515 |
| Total domestic deposits to total assets | 71.1654% | 4,706 |
| Equity capital to assets | 15.3372% | 489 |
| Core capital (leverage) ratio | 12.3110% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,164,000 | 3,509 |
| Average earning assets | $142,230,250 | 3,487 |
| Average equity | $22,602,000 | 3,049 |
| Average total loans | $87,972,750 | 3,411 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5103% | 2,864 |
| Cost of funding earning assets | 0.2500% | 3,282 |
| Net interest margin | 3.2603% | 2,584 |
| Noninterest income to average assets | 0.1900% | 4,254 |
| Noninterest expense to average assets | 1.6506% | 4,442 |
| Loan and lease loss provision to assets | 0.0797% | 1,521 |
| Net operating income to assets | 1.4938% | 1,312 |
| Return on assets (ROA) | 1.4938% | 1,374 |
| Pretax return on assets | 1.5270% | 1,932 |
| Return on Equity (ROE) | 10.0785% | 2,714 |
| Retained earnings to average equity (ytd only) | 10.0785% | 1,370 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2044% | 4,303 |
| Assets per employee ($millions) | 7.7476% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 4,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 57.2945% | 2,750 |
| Net loans and leases to deposits | 78.2456% | 1,592 |
| Net loans and leases to core deposits | 85.0920% | 1,488 |
| Total domestic deposits to total assets | 73.2240% | 4,683 |
| Equity capital to assets | 14.6361% | 593 |
| Core capital (leverage) ratio | 11.9054% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,493,000 | 3,524 |
| Average earning assets | $141,582,333 | 3,496 |
| Average equity | $22,305,000 | 3,067 |
| Average total loans | $89,371,000 | 3,412 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 3,045 |
| Cost of funding earning assets | 0.2580% | 3,400 |
| Net interest margin | 3.2016% | 2,691 |
| Noninterest income to average assets | 0.1781% | 4,307 |
| Noninterest expense to average assets | 1.6970% | 4,382 |
| Loan and lease loss provision to assets | 0.0809% | 1,600 |
| Net operating income to assets | 1.3463% | 1,692 |
| Return on assets (ROA) | 1.3463% | 1,781 |
| Pretax return on assets | 1.4137% | 2,245 |
| Return on Equity (ROE) | 9.0243% | 3,031 |
| Retained earnings to average equity (ytd only) | 9.0243% | 1,951 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6484% | 4,032 |
| Assets per employee ($millions) | 7.6625% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 4,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 57.9801% | 2,806 |
| Net loans and leases to deposits | 79.2427% | 1,590 |
| Net loans and leases to core deposits | 86.2610% | 1,502 |
| Total domestic deposits to total assets | 73.1679% | 4,697 |
| Equity capital to assets | 14.4451% | 586 |
| Core capital (leverage) ratio | 11.7546% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,263,500 | 3,543 |
| Average earning assets | $139,556,000 | 3,520 |
| Average equity | $22,118,000 | 3,068 |
| Average total loans | $89,242,500 | 3,422 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5895% | 3,834 |
| Cost of funding earning assets | 0.4408% | 3,343 |
| Net interest margin | 3.1487% | 3,498 |
| Noninterest income to average assets | 0.1994% | 4,284 |
| Noninterest expense to average assets | 1.6517% | 4,666 |
| Loan and lease loss provision to assets | 0.0791% | 3,388 |
| Net operating income to assets | 1.3933% | 1,035 |
| Return on assets (ROA) | 1.3896% | 1,136 |
| Pretax return on assets | 1.4038% | 1,646 |
| Return on Equity (ROE) | 8.7828% | 2,475 |
| Retained earnings to average equity (ytd only) | 5.8332% | 1,882 |
| Net charge-offs to loans | 0.0085% | 3,028 |
| Credit loss provision to net charge-offs | 1,514.2857% | 547 |
| Earnings coverage of net charge-offs (x) | 284.4286% | 360 |
| Efficiency ratio | 50.8922% | 4,478 |
| Assets per employee ($millions) | 7.1639% | 1,467 |
| Cash dividends to net income (ytd only)* | 33.5841% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 4,220 |
| Loan loss allowance to noncurrent loans | 5,260.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,379 |
| Noncurrent loans to loans | 0.0169% | 4,291 |
| Net loans and leases to total assets | 61.4351% | 2,670 |
| Net loans and leases to deposits | 84.9389% | 1,366 |
| Net loans and leases to core deposits | 92.5535% | 1,336 |
| Total domestic deposits to total assets | 72.3286% | 4,700 |
| Equity capital to assets | 15.4239% | 497 |
| Core capital (leverage) ratio | 11.7698% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,925,200 | 3,576 |
| Average earning assets | $125,002,600 | 3,569 |
| Average equity | $21,189,200 | 3,083 |
| Average total loans | $82,330,200 | 3,517 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5990% | 4,013 |
| Cost of funding earning assets | 0.4894% | 3,290 |
| Net interest margin | 3.1096% | 3,715 |
| Noninterest income to average assets | 0.1864% | 4,356 |
| Noninterest expense to average assets | 1.6567% | 4,672 |
| Loan and lease loss provision to assets | 0.0783% | 3,338 |
| Net operating income to assets | 1.3293% | 1,290 |
| Return on assets (ROA) | 1.3243% | 1,383 |
| Pretax return on assets | 1.3436% | 1,893 |
| Return on Equity (ROE) | 8.3133% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.3133% | 1,205 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9553% | 4,349 |
| Assets per employee ($millions) | 7.6487% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 4,120 |
| Loan loss allowance to noncurrent loans | 494.8387% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 3,903 |
| Noncurrent loans to loans | 0.1786% | 3,668 |
| Net loans and leases to total assets | 59.1756% | 3,309 |
| Net loans and leases to deposits | 83.5060% | 1,960 |
| Net loans and leases to core deposits | 90.5556% | 1,926 |
| Total domestic deposits to total assets | 70.8639% | 4,726 |
| Equity capital to assets | 15.2534% | 579 |
| Core capital (leverage) ratio | 12.5480% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,587,000 | 3,592 |
| Average earning assets | $122,585,000 | 3,587 |
| Average equity | $20,961,750 | 3,096 |
| Average total loans | $80,709,750 | 3,561 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 3,909 |
| Cost of funding earning assets | 0.5548% | 3,212 |
| Net interest margin | 3.2273% | 3,585 |
| Noninterest income to average assets | 0.2142% | 4,203 |
| Noninterest expense to average assets | 1.7511% | 4,627 |
| Loan and lease loss provision to assets | 0.0740% | 3,373 |
| Net operating income to assets | 1.3635% | 1,193 |
| Return on assets (ROA) | 1.3558% | 1,302 |
| Pretax return on assets | 1.3857% | 1,758 |
| Return on Equity (ROE) | 8.3755% | 2,604 |
| Retained earnings to average equity (ytd only) | 8.3755% | 1,196 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6419% | 4,308 |
| Assets per employee ($millions) | 7.2743% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8540% | 4,180 |
| Loan loss allowance to noncurrent loans | 305.3942% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 3,663 |
| Noncurrent loans to loans | 0.2796% | 3,376 |
| Net loans and leases to total assets | 61.8229% | 3,144 |
| Net loans and leases to deposits | 91.0628% | 1,257 |
| Net loans and leases to core deposits | 98.9932% | 1,329 |
| Total domestic deposits to total assets | 67.8904% | 4,844 |
| Equity capital to assets | 15.5791% | 528 |
| Core capital (leverage) ratio | 12.4436% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,007,667 | 3,633 |
| Average earning assets | $118,239,667 | 3,617 |
| Average equity | $20,560,000 | 3,127 |
| Average total loans | $78,691,667 | 3,603 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0246% | 3,720 |
| Cost of funding earning assets | 0.6424% | 3,208 |
| Net interest margin | 3.3822% | 3,351 |
| Noninterest income to average assets | 0.2043% | 4,326 |
| Noninterest expense to average assets | 1.8582% | 4,593 |
| Loan and lease loss provision to assets | 0.0692% | 2,885 |
| Net operating income to assets | 1.3535% | 1,096 |
| Return on assets (ROA) | 1.3377% | 1,227 |
| Pretax return on assets | 1.4003% | 1,564 |
| Return on Equity (ROE) | 8.0901% | 2,481 |
| Retained earnings to average equity (ytd only) | 8.0901% | 1,204 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7931% | 4,410 |
| Assets per employee ($millions) | 6.2314% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,976 |
| Loan loss allowance to noncurrent loans | 846.4286% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 4,248 |
| Noncurrent loans to loans | 0.1109% | 4,075 |
| Net loans and leases to total assets | 63.3639% | 3,138 |
| Net loans and leases to deposits | 95.4162% | 969 |
| Net loans and leases to core deposits | 111.7765% | 768 |
| Total domestic deposits to total assets | 66.4079% | 4,951 |
| Equity capital to assets | 16.9852% | 443 |
| Core capital (leverage) ratio | 13.7433% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,406,000 | 3,686 |
| Average earning assets | $112,708,000 | 3,670 |
| Average equity | $20,074,000 | 3,165 |
| Average total loans | $74,946,500 | 3,663 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 4,477 |
| Cost of funding earning assets | 0.6669% | 3,323 |
| Net interest margin | 3.2104% | 4,165 |
| Noninterest income to average assets | 0.1691% | 4,645 |
| Noninterest expense to average assets | 1.9586% | 4,600 |
| Loan and lease loss provision to assets | 0.0985% | 2,080 |
| Net operating income to assets | 1.0745% | 2,554 |
| Return on assets (ROA) | 1.0712% | 2,664 |
| Pretax return on assets | 1.0803% | 3,233 |
| Return on Equity (ROE) | 6.7443% | 3,646 |
| Retained earnings to average equity (ytd only) | 3.7830% | 3,086 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4548% | 3,623 |
| Assets per employee ($millions) | 6.5482% | 1,257 |
| Cash dividends to net income (ytd only)* | 43.9080% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 3,841 |
| Loan loss allowance to noncurrent loans | 408.2840% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 3,956 |
| Noncurrent loans to loans | 0.2279% | 3,631 |
| Net loans and leases to total assets | 59.0532% | 3,668 |
| Net loans and leases to deposits | 85.3619% | 2,170 |
| Net loans and leases to core deposits | 102.4200% | 1,367 |
| Total domestic deposits to total assets | 69.1798% | 4,961 |
| Equity capital to assets | 16.1058% | 584 |
| Core capital (leverage) ratio | 12.9785% | 1,242 |
| Tier 1 risk-based capital ratio | 19.9111% | 1,340 |
| Total risk-based capital ratio | 20.7927% | 1,367 |
| Memoranda: | ||
| Average total assets | $121,821,800 | 3,669 |
| Average earning assets | $112,758,400 | 3,667 |
| Average equity | $19,349,800 | 3,187 |
| Average total loans | $70,314,000 | 3,771 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 4,621 |
| Cost of funding earning assets | 0.6704% | 3,352 |
| Net interest margin | 3.1700% | 4,360 |
| Noninterest income to average assets | 0.1772% | 4,657 |
| Noninterest expense to average assets | 1.9938% | 4,569 |
| Loan and lease loss provision to assets | 0.0990% | 1,937 |
| Net operating income to assets | 1.0013% | 2,979 |
| Return on assets (ROA) | 0.9980% | 3,067 |
| Pretax return on assets | 1.0101% | 3,563 |
| Return on Equity (ROE) | 6.3057% | 3,952 |
| Retained earnings to average equity (ytd only) | 6.3057% | 2,221 |
| Net charge-offs to loans | -0.0019% | 4,053 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2742% | 3,282 |
| Assets per employee ($millions) | 6.9714% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 4,036 |
| Loan loss allowance to noncurrent loans | 391.1243% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 4,056 |
| Noncurrent loans to loans | 0.2306% | 3,719 |
| Net loans and leases to total assets | 57.8638% | 3,892 |
| Net loans and leases to deposits | 84.3402% | 2,415 |
| Net loans and leases to core deposits | 100.8682% | 1,589 |
| Total domestic deposits to total assets | 68.6077% | 5,046 |
| Equity capital to assets | 16.0209% | 630 |
| Core capital (leverage) ratio | 13.7925% | 1,038 |
| Tier 1 risk-based capital ratio | 20.0066% | 1,357 |
| Total risk-based capital ratio | 20.8468% | 1,409 |
| Memoranda: | ||
| Average total assets | $121,173,500 | 3,717 |
| Average earning assets | $111,963,000 | 3,715 |
| Average equity | $19,177,750 | 3,227 |
| Average total loans | $69,352,250 | 3,827 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8150% | 4,694 |
| Cost of funding earning assets | 0.6665% | 3,330 |
| Net interest margin | 3.1485% | 4,456 |
| Noninterest income to average assets | 0.1720% | 4,723 |
| Noninterest expense to average assets | 2.0111% | 4,586 |
| Loan and lease loss provision to assets | 0.1002% | 1,868 |
| Net operating income to assets | 0.9537% | 3,085 |
| Return on assets (ROA) | 0.9488% | 3,164 |
| Pretax return on assets | 0.9671% | 3,660 |
| Return on Equity (ROE) | 6.0205% | 4,042 |
| Retained earnings to average equity (ytd only) | 6.0205% | 2,277 |
| Net charge-offs to loans | -0.0500% | 4,823 |
| Credit loss provision to net charge-offs | -352.9412% | 4,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2719% | 3,242 |
| Assets per employee ($millions) | 5.7489% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,003 |
| Loan loss allowance to noncurrent loans | 373.9884% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 3,710 |
| Noncurrent loans to loans | 0.2461% | 3,656 |
| Net loans and leases to total assets | 60.5742% | 3,689 |
| Net loans and leases to deposits | 88.4867% | 1,942 |
| Net loans and leases to core deposits | 107.7777% | 1,115 |
| Total domestic deposits to total assets | 68.4557% | 5,093 |
| Equity capital to assets | 17.1198% | 454 |
| Core capital (leverage) ratio | 13.6009% | 1,079 |
| Tier 1 risk-based capital ratio | 20.3560% | 1,282 |
| Total risk-based capital ratio | 21.2121% | 1,329 |
| Memoranda: | ||
| Average total assets | $119,736,000 | 3,767 |
| Average earning assets | $110,719,670 | 3,765 |
| Average equity | $18,869,000 | 3,260 |
| Average total loans | $68,045,670 | 3,879 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7455% | 4,786 |
| Cost of funding earning assets | 0.6372% | 3,367 |
| Net interest margin | 3.1083% | 4,581 |
| Noninterest income to average assets | 0.1638% | 4,757 |
| Noninterest expense to average assets | 1.9785% | 4,684 |
| Loan and lease loss provision to assets | 0.0983% | 1,780 |
| Net operating income to assets | 0.9267% | 3,132 |
| Return on assets (ROA) | 0.9204% | 3,195 |
| Pretax return on assets | 0.9565% | 3,600 |
| Return on Equity (ROE) | 6.0883% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.0883% | 2,422 |
| Net charge-offs to loans | -0.0060% | 4,071 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1466% | 3,366 |
| Assets per employee ($millions) | 6.1279% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 4,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 4,517 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 52.9847% | 4,276 |
| Net loans and leases to deposits | 74.6411% | 3,390 |
| Net loans and leases to core deposits | 90.0277% | 2,498 |
| Total domestic deposits to total assets | 70.9860% | 5,081 |
| Equity capital to assets | 15.3731% | 674 |
| Core capital (leverage) ratio | 12.7202% | 1,389 |
| Tier 1 risk-based capital ratio | 20.9130% | 1,174 |
| Total risk-based capital ratio | 21.7466% | 1,225 |
| Memoranda: | ||
| Average total assets | $122,115,000 | 3,766 |
| Average earning assets | $112,988,500 | 3,769 |
| Average equity | $18,461,500 | 3,317 |
| Average total loans | $66,921,500 | 3,946 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 4,890 |
| Cost of funding earning assets | 0.5397% | 3,112 |
| Net interest margin | 2.9875% | 4,813 |
| Noninterest income to average assets | 0.1656% | 4,895 |
| Noninterest expense to average assets | 1.9508% | 4,821 |
| Loan and lease loss provision to assets | 0.0628% | 2,899 |
| Net operating income to assets | 0.8924% | 3,462 |
| Return on assets (ROA) | 0.8697% | 3,533 |
| Pretax return on assets | 0.8790% | 3,952 |
| Return on Equity (ROE) | 5.7638% | 4,244 |
| Retained earnings to average equity (ytd only) | 3.7262% | 3,524 |
| Net charge-offs to loans | -0.0103% | 4,496 |
| Credit loss provision to net charge-offs | -1,233.3333% | 4,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7830% | 3,071 |
| Assets per employee ($millions) | 6.0836% | 1,469 |
| Cash dividends to net income (ytd only)* | 35.3516% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 4,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 4,532 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 55.6702% | 4,156 |
| Net loans and leases to deposits | 77.5968% | 3,214 |
| Net loans and leases to core deposits | 91.8976% | 2,415 |
| Total domestic deposits to total assets | 71.7429% | 5,088 |
| Equity capital to assets | 14.8613% | 739 |
| Core capital (leverage) ratio | 12.8478% | 1,308 |
| Tier 1 risk-based capital ratio | 19.8012% | 1,338 |
| Total risk-based capital ratio | 20.5649% | 1,410 |
| Memoranda: | ||
| Average total assets | $117,745,000 | 3,825 |
| Average earning assets | $108,385,000 | 3,831 |
| Average equity | $17,766,000 | 3,321 |
| Average total loans | $58,373,800 | 4,134 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4671% | 4,960 |
| Cost of funding earning assets | 0.5028% | 3,181 |
| Net interest margin | 2.9644% | 4,900 |
| Noninterest income to average assets | 0.1724% | 4,923 |
| Noninterest expense to average assets | 1.9321% | 4,853 |
| Loan and lease loss provision to assets | 0.0628% | 2,720 |
| Net operating income to assets | 0.8915% | 3,574 |
| Return on assets (ROA) | 0.8644% | 3,690 |
| Pretax return on assets | 0.8770% | 4,097 |
| Return on Equity (ROE) | 5.7065% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.7065% | 2,822 |
| Net charge-offs to loans | -0.0119% | 4,444 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5136% | 3,098 |
| Assets per employee ($millions) | 6.2338% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 4,636 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 50.6269% | 4,552 |
| Net loans and leases to deposits | 72.0150% | 3,765 |
| Net loans and leases to core deposits | 84.8843% | 3,091 |
| Total domestic deposits to total assets | 70.3005% | 5,201 |
| Equity capital to assets | 15.0047% | 717 |
| Core capital (leverage) ratio | 13.1385% | 1,227 |
| Tier 1 risk-based capital ratio | 22.0053% | 1,054 |
| Total risk-based capital ratio | 22.8201% | 1,084 |
| Memoranda: | ||
| Average total assets | $116,763,250 | 3,879 |
| Average earning assets | $107,406,000 | 3,892 |
| Average equity | $17,687,000 | 3,356 |
| Average total loans | $55,891,000 | 4,236 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4185% | 5,018 |
| Cost of funding earning assets | 0.4598% | 3,288 |
| Net interest margin | 2.9587% | 4,934 |
| Noninterest income to average assets | 0.1738% | 4,955 |
| Noninterest expense to average assets | 1.9500% | 4,882 |
| Loan and lease loss provision to assets | 0.0620% | 2,664 |
| Net operating income to assets | 0.8666% | 3,598 |
| Return on assets (ROA) | 0.8261% | 3,774 |
| Pretax return on assets | 0.8451% | 4,124 |
| Return on Equity (ROE) | 5.4364% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.4364% | 2,853 |
| Net charge-offs to loans | -0.0147% | 4,452 |
| Credit loss provision to net charge-offs | -900.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1425% | 3,137 |
| Assets per employee ($millions) | 6.0958% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 4,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 4,657 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 49.8865% | 4,616 |
| Net loans and leases to deposits | 68.6823% | 3,969 |
| Net loans and leases to core deposits | 80.8087% | 3,343 |
| Total domestic deposits to total assets | 72.6336% | 5,140 |
| Equity capital to assets | 15.2442% | 645 |
| Core capital (leverage) ratio | 13.0929% | 1,185 |
| Tier 1 risk-based capital ratio | 22.3644% | 1,002 |
| Total risk-based capital ratio | 23.1785% | 1,028 |
| Memoranda: | ||
| Average total assets | $116,203,330 | 3,926 |
| Average earning assets | $107,007,000 | 3,930 |
| Average equity | $17,658,670 | 3,376 |
| Average total loans | $54,350,000 | 4,295 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3382% | 5,085 |
| Cost of funding earning assets | 0.4191% | 3,454 |
| Net interest margin | 2.9190% | 4,999 |
| Noninterest income to average assets | 0.1890% | 4,891 |
| Noninterest expense to average assets | 2.0035% | 4,841 |
| Loan and lease loss provision to assets | 0.0619% | 2,542 |
| Net operating income to assets | 0.7878% | 3,763 |
| Return on assets (ROA) | 0.7389% | 3,952 |
| Pretax return on assets | 0.7767% | 4,207 |
| Return on Equity (ROE) | 4.8698% | 4,536 |
| Retained earnings to average equity (ytd only) | 4.8698% | 3,238 |
| Net charge-offs to loans | -0.0153% | 4,427 |
| Credit loss provision to net charge-offs | -900.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1021% | 2,986 |
| Assets per employee ($millions) | 6.1846% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 4,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 4,742 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 46.7781% | 4,763 |
| Net loans and leases to deposits | 65.3028% | 4,134 |
| Net loans and leases to core deposits | 72.0155% | 3,958 |
| Total domestic deposits to total assets | 71.6326% | 5,305 |
| Equity capital to assets | 14.8245% | 714 |
| Core capital (leverage) ratio | 12.5670% | 1,362 |
| Tier 1 risk-based capital ratio | 21.0399% | 1,199 |
| Total risk-based capital ratio | 21.7915% | 1,239 |
| Memoranda: | ||
| Average total assets | $116,394,500 | 3,962 |
| Average earning assets | $107,844,000 | 3,951 |
| Average equity | $17,660,000 | 3,402 |
| Average total loans | $52,370,500 | 4,384 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1302% | 5,256 |
| Cost of funding earning assets | 0.3551% | 3,660 |
| Net interest margin | 2.7751% | 5,203 |
| Noninterest income to average assets | 0.1664% | 5,125 |
| Noninterest expense to average assets | 1.9243% | 5,087 |
| Loan and lease loss provision to assets | 0.0256% | 3,783 |
| Net operating income to assets | 0.7613% | 3,340 |
| Return on assets (ROA) | 0.7731% | 3,327 |
| Pretax return on assets | 0.7825% | 4,299 |
| Return on Equity (ROE) | 5.0019% | 4,155 |
| Retained earnings to average equity (ytd only) | 1.2367% | 4,531 |
| Net charge-offs to loans | -0.0022% | 4,537 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4442% | 2,810 |
| Assets per employee ($millions) | 6.0674% | 1,471 |
| Cash dividends to net income (ytd only)* | 75.2759% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 4,764 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 42.3079% | 5,056 |
| Net loans and leases to deposits | 59.6918% | 4,588 |
| Net loans and leases to core deposits | 67.0650% | 4,361 |
| Total domestic deposits to total assets | 70.8772% | 5,373 |
| Equity capital to assets | 15.5273% | 581 |
| Core capital (leverage) ratio | 12.3392% | 1,429 |
| Tier 1 risk-based capital ratio | 22.5213% | 961 |
| Total risk-based capital ratio | 23.3045% | 991 |
| Memoranda: | ||
| Average total assets | $117,188,000 | 3,945 |
| Average earning assets | $107,851,000 | 3,952 |
| Average equity | $18,113,000 | 3,350 |
| Average total loans | $45,985,400 | 4,570 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1033% | 5,332 |
| Cost of funding earning assets | 0.3385% | 3,786 |
| Net interest margin | 2.7648% | 5,268 |
| Noninterest income to average assets | 0.1688% | 5,175 |
| Noninterest expense to average assets | 1.8243% | 5,245 |
| Loan and lease loss provision to assets | 0.0204% | 3,739 |
| Net operating income to assets | 0.8579% | 3,242 |
| Return on assets (ROA) | 0.8736% | 3,207 |
| Pretax return on assets | 0.8850% | 4,086 |
| Return on Equity (ROE) | 5.6587% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.6587% | 2,457 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9687% | 3,380 |
| Assets per employee ($millions) | 6.4714% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 4,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 4,899 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 39.0489% | 5,230 |
| Net loans and leases to deposits | 56.6098% | 4,835 |
| Net loans and leases to core deposits | 63.3534% | 4,634 |
| Total domestic deposits to total assets | 68.9791% | 5,508 |
| Equity capital to assets | 15.4738% | 635 |
| Core capital (leverage) ratio | 12.5590% | 1,395 |
| Tier 1 risk-based capital ratio | 23.0335% | 943 |
| Total risk-based capital ratio | 23.7848% | 978 |
| Memoranda: | ||
| Average total assets | $117,664,750 | 3,970 |
| Average earning assets | $108,311,500 | 3,992 |
| Average equity | $18,166,250 | 3,371 |
| Average total loans | $45,166,000 | 4,632 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1289% | 5,324 |
| Cost of funding earning assets | 0.3174% | 3,907 |
| Net interest margin | 2.8115% | 5,224 |
| Noninterest income to average assets | 0.1639% | 5,234 |
| Noninterest expense to average assets | 1.8119% | 5,298 |
| Loan and lease loss provision to assets | 0.0207% | 3,568 |
| Net operating income to assets | 0.8965% | 2,932 |
| Return on assets (ROA) | 0.9387% | 2,782 |
| Pretax return on assets | 0.9577% | 3,735 |
| Return on Equity (ROE) | 6.0851% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.0851% | 2,065 |
| Net charge-offs to loans | 0.0045% | 3,326 |
| Credit loss provision to net charge-offs | 1,200.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 542.0000% | 153 |
| Efficiency ratio | 63.7563% | 3,709 |
| Assets per employee ($millions) | 5.6966% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 4,908 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 38.8539% | 5,266 |
| Net loans and leases to deposits | 55.7266% | 4,858 |
| Net loans and leases to core deposits | 63.8037% | 4,617 |
| Total domestic deposits to total assets | 69.7223% | 5,548 |
| Equity capital to assets | 16.5283% | 467 |
| Core capital (leverage) ratio | 12.8547% | 1,240 |
| Tier 1 risk-based capital ratio | 24.5716% | 801 |
| Total risk-based capital ratio | 25.3746% | 817 |
| Memoranda: | ||
| Average total assets | $115,901,000 | 4,027 |
| Average earning assets | $106,491,330 | 4,039 |
| Average equity | $17,879,670 | 3,414 |
| Average total loans | $44,058,000 | 4,683 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9439% | 5,510 |
| Cost of funding earning assets | 0.2907% | 4,137 |
| Net interest margin | 2.6532% | 5,435 |
| Noninterest income to average assets | 0.1745% | 5,233 |
| Noninterest expense to average assets | 1.7350% | 5,443 |
| Loan and lease loss provision to assets | 0.0205% | 3,312 |
| Net operating income to assets | 0.8199% | 3,125 |
| Return on assets (ROA) | 0.8692% | 2,958 |
| Pretax return on assets | 0.9069% | 3,745 |
| Return on Equity (ROE) | 5.8377% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.8377% | 2,418 |
| Net charge-offs to loans | -0.0091% | 4,385 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0891% | 3,815 |
| Assets per employee ($millions) | 5.8462% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 3,618 |
| Loan loss allowance to noncurrent loans | 342.6471% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 4,506 |
| Noncurrent loans to loans | 0.3256% | 3,956 |
| Net loans and leases to total assets | 35.3195% | 5,430 |
| Net loans and leases to deposits | 49.6054% | 5,152 |
| Net loans and leases to core deposits | 56.5565% | 4,949 |
| Total domestic deposits to total assets | 71.2010% | 5,585 |
| Equity capital to assets | 15.1124% | 632 |
| Core capital (leverage) ratio | 12.3590% | 1,418 |
| Tier 1 risk-based capital ratio | 24.5754% | 814 |
| Total risk-based capital ratio | 25.3897% | 835 |
| Memoranda: | ||
| Average total assets | $116,885,500 | 4,044 |
| Average earning assets | $107,342,000 | 4,058 |
| Average equity | $17,404,000 | 3,496 |
| Average total loans | $43,718,500 | 4,737 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9307% | 5,549 |
| Cost of funding earning assets | 0.2899% | 4,174 |
| Net interest margin | 2.6409% | 5,483 |
| Noninterest income to average assets | 0.1893% | 5,271 |
| Noninterest expense to average assets | 1.8052% | 5,466 |
| Loan and lease loss provision to assets | 0.0239% | 3,888 |
| Net operating income to assets | 0.7644% | 3,473 |
| Return on assets (ROA) | 0.7810% | 3,493 |
| Pretax return on assets | 0.7863% | 4,223 |
| Return on Equity (ROE) | 4.7867% | 4,522 |
| Retained earnings to average equity (ytd only) | 1.3173% | 4,750 |
| Net charge-offs to loans | 0.0046% | 4,088 |
| Credit loss provision to net charge-offs | 1,350.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 448.5000% | 184 |
| Efficiency ratio | 66.9843% | 3,443 |
| Assets per employee ($millions) | 5.5641% | 1,816 |
| Cash dividends to net income (ytd only)* | 72.4802% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 4,293 |
| Loan loss allowance to noncurrent loans | 279.8780% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 4,469 |
| Noncurrent loans to loans | 0.3591% | 3,841 |
| Net loans and leases to total assets | 38.6959% | 5,373 |
| Net loans and leases to deposits | 54.0636% | 5,006 |
| Net loans and leases to core deposits | 61.6000% | 4,772 |
| Total domestic deposits to total assets | 71.5748% | 5,590 |
| Equity capital to assets | 14.6670% | 695 |
| Core capital (leverage) ratio | 11.9664% | 1,621 |
| Tier 1 risk-based capital ratio | 23.0373% | 964 |
| Total risk-based capital ratio | 23.7996% | 992 |
| Memoranda: | ||
| Average total assets | $113,060,400 | 4,110 |
| Average earning assets | $103,147,800 | 4,133 |
| Average equity | $18,447,000 | 3,343 |
| Average total loans | $43,368,600 | 4,772 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9319% | 5,629 |
| Cost of funding earning assets | 0.2860% | 4,242 |
| Net interest margin | 2.6459% | 5,553 |
| Noninterest income to average assets | 0.1915% | 5,317 |
| Noninterest expense to average assets | 1.8362% | 5,471 |
| Loan and lease loss provision to assets | 0.0321% | 3,590 |
| Net operating income to assets | 0.7257% | 3,719 |
| Return on assets (ROA) | 0.7480% | 3,743 |
| Pretax return on assets | 0.7552% | 4,458 |
| Return on Equity (ROE) | 4.4670% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.4670% | 3,156 |
| Net charge-offs to loans | 0.0093% | 3,602 |
| Credit loss provision to net charge-offs | 900.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 214.3275% | 354 |
| Efficiency ratio | 68.1299% | 3,202 |
| Assets per employee ($millions) | 5.9291% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 4,313 |
| Loan loss allowance to noncurrent loans | 274.2515% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 4,594 |
| Noncurrent loans to loans | 0.3710% | 3,936 |
| Net loans and leases to total assets | 37.5785% | 5,487 |
| Net loans and leases to deposits | 54.4742% | 5,084 |
| Net loans and leases to core deposits | 61.9367% | 4,835 |
| Total domestic deposits to total assets | 68.9841% | 5,738 |
| Equity capital to assets | 16.2564% | 518 |
| Core capital (leverage) ratio | 13.1181% | 1,145 |
| Tier 1 risk-based capital ratio | 24.0513% | 899 |
| Total risk-based capital ratio | 24.8244% | 924 |
| Memoranda: | ||
| Average total assets | $112,113,750 | 4,155 |
| Average earning assets | $102,094,250 | 4,186 |
| Average equity | $18,774,250 | 3,327 |
| Average total loans | $42,792,250 | 4,833 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9972% | 5,653 |
| Cost of funding earning assets | 0.2788% | 4,361 |
| Net interest margin | 2.7184% | 5,546 |
| Noninterest income to average assets | 0.1928% | 5,343 |
| Noninterest expense to average assets | 1.8571% | 5,527 |
| Loan and lease loss provision to assets | 0.0327% | 3,491 |
| Net operating income to assets | 0.7751% | 3,427 |
| Return on assets (ROA) | 0.8021% | 3,439 |
| Pretax return on assets | 0.8130% | 4,235 |
| Return on Equity (ROE) | 4.7402% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.7402% | 2,901 |
| Net charge-offs to loans | 0.0238% | 3,012 |
| Credit loss provision to net charge-offs | 360.0000% | 838 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 636 |
| Efficiency ratio | 66.9613% | 3,546 |
| Assets per employee ($millions) | 5.5293% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 4,056 |
| Loan loss allowance to noncurrent loans | 263.5294% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 4,584 |
| Noncurrent loans to loans | 0.4096% | 3,887 |
| Net loans and leases to total assets | 37.1298% | 5,552 |
| Net loans and leases to deposits | 54.2906% | 5,121 |
| Net loans and leases to core deposits | 61.0340% | 4,930 |
| Total domestic deposits to total assets | 68.3908% | 5,829 |
| Equity capital to assets | 17.3134% | 391 |
| Core capital (leverage) ratio | 13.2273% | 1,077 |
| Tier 1 risk-based capital ratio | 25.8957% | 730 |
| Total risk-based capital ratio | 26.7213% | 748 |
| Memoranda: | ||
| Average total assets | $109,958,000 | 4,229 |
| Average earning assets | $100,426,670 | 4,259 |
| Average equity | $18,606,670 | 3,355 |
| Average total loans | $42,050,000 | 4,900 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9964% | 5,693 |
| Cost of funding earning assets | 0.2848% | 4,334 |
| Net interest margin | 2.7116% | 5,603 |
| Noninterest income to average assets | 0.1897% | 5,371 |
| Noninterest expense to average assets | 1.8642% | 5,575 |
| Loan and lease loss provision to assets | 0.0328% | 3,218 |
| Net operating income to assets | 0.7378% | 3,549 |
| Return on assets (ROA) | 0.7661% | 3,521 |
| Pretax return on assets | 0.7880% | 4,232 |
| Return on Equity (ROE) | 4.5809% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.5809% | 3,190 |
| Net charge-offs to loans | 0.0095% | 2,808 |
| Credit loss provision to net charge-offs | 900.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 217.0000% | 281 |
| Efficiency ratio | 67.7198% | 3,512 |
| Assets per employee ($millions) | 5.4851% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 4,255 |
| Loan loss allowance to noncurrent loans | 254.5977% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 4,626 |
| Noncurrent loans to loans | 0.4186% | 3,940 |
| Net loans and leases to total assets | 37.4855% | 5,576 |
| Net loans and leases to deposits | 56.9904% | 4,920 |
| Net loans and leases to core deposits | 60.9125% | 4,877 |
| Total domestic deposits to total assets | 65.7752% | 5,969 |
| Equity capital to assets | 16.9351% | 423 |
| Core capital (leverage) ratio | 12.8811% | 1,207 |
| Tier 1 risk-based capital ratio | 25.1632% | 796 |
| Total risk-based capital ratio | 25.9710% | 822 |
| Memoranda: | ||
| Average total assets | $109,644,500 | 4,268 |
| Average earning assets | $99,719,000 | 4,306 |
| Average equity | $18,337,000 | 3,393 |
| Average total loans | $42,321,000 | 4,924 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9543% | 5,769 |
| Cost of funding earning assets | 0.2688% | 4,602 |
| Net interest margin | 2.6856% | 5,666 |
| Noninterest income to average assets | 0.1849% | 5,489 |
| Noninterest expense to average assets | 2.0125% | 5,430 |
| Loan and lease loss provision to assets | 0.0555% | 3,202 |
| Net operating income to assets | 0.5594% | 4,465 |
| Return on assets (ROA) | 0.5713% | 4,505 |
| Pretax return on assets | 0.5768% | 4,917 |
| Return on Equity (ROE) | 3.4272% | 5,158 |
| Retained earnings to average equity (ytd only) | 0.8762% | 5,170 |
| Net charge-offs to loans | -0.0151% | 5,207 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8764% | 2,602 |
| Assets per employee ($millions) | 5.4794% | 1,828 |
| Cash dividends to net income (ytd only)* | 74.4337% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 4,558 |
| Loan loss allowance to noncurrent loans | 172.9084% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 4,679 |
| Noncurrent loans to loans | 0.5827% | 3,427 |
| Net loans and leases to total assets | 38.9121% | 5,582 |
| Net loans and leases to deposits | 60.0690% | 4,772 |
| Net loans and leases to core deposits | 64.6038% | 4,696 |
| Total domestic deposits to total assets | 64.7790% | 6,033 |
| Equity capital to assets | 16.5128% | 466 |
| Core capital (leverage) ratio | 13.0392% | 1,139 |
| Tier 1 risk-based capital ratio | 24.5153% | 861 |
| Total risk-based capital ratio | 25.2937% | 910 |
| Memoranda: | ||
| Average total assets | $108,175,200 | 4,291 |
| Average earning assets | $98,601,000 | 4,322 |
| Average equity | $18,032,000 | 3,381 |
| Average total loans | $39,628,400 | 5,029 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9213% | 5,874 |
| Cost of funding earning assets | 0.2643% | 4,728 |
| Net interest margin | 2.6569% | 5,780 |
| Noninterest income to average assets | 0.1941% | 5,491 |
| Noninterest expense to average assets | 2.0317% | 5,419 |
| Loan and lease loss provision to assets | 0.0556% | 3,084 |
| Net operating income to assets | 0.5232% | 4,711 |
| Return on assets (ROA) | 0.5391% | 4,733 |
| Pretax return on assets | 0.5466% | 5,107 |
| Return on Equity (ROE) | 3.2267% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.2267% | 4,166 |
| Net charge-offs to loans | -0.0172% | 5,148 |
| Credit loss provision to net charge-offs | -900.0000% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0590% | 2,394 |
| Assets per employee ($millions) | 5.3906% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 4,589 |
| Loan loss allowance to noncurrent loans | 164.5669% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 4,765 |
| Noncurrent loans to loans | 0.6254% | 3,446 |
| Net loans and leases to total assets | 37.2847% | 5,735 |
| Net loans and leases to deposits | 62.3093% | 4,701 |
| Net loans and leases to core deposits | 64.5631% | 4,790 |
| Total domestic deposits to total assets | 59.8380% | 6,174 |
| Equity capital to assets | 16.8378% | 451 |
| Core capital (leverage) ratio | 13.5067% | 1,015 |
| Tier 1 risk-based capital ratio | 25.7672% | 794 |
| Total risk-based capital ratio | 26.5400% | 808 |
| Memoranda: | ||
| Average total assets | $107,822,000 | 4,350 |
| Average earning assets | $98,356,250 | 4,377 |
| Average equity | $18,016,000 | 3,410 |
| Average total loans | $38,766,250 | 5,113 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9219% | 5,921 |
| Cost of funding earning assets | 0.2604% | 4,824 |
| Net interest margin | 2.6614% | 5,812 |
| Noninterest income to average assets | 0.1873% | 5,568 |
| Noninterest expense to average assets | 2.0385% | 5,458 |
| Loan and lease loss provision to assets | 0.0556% | 2,996 |
| Net operating income to assets | 0.5087% | 4,726 |
| Return on assets (ROA) | 0.5323% | 4,751 |
| Pretax return on assets | 0.5435% | 5,109 |
| Return on Equity (ROE) | 3.1942% | 5,341 |
| Retained earnings to average equity (ytd only) | 3.1942% | 4,012 |
| Net charge-offs to loans | -0.0157% | 5,082 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4436% | 2,463 |
| Assets per employee ($millions) | 5.2930% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 5,075 |
| Loan loss allowance to noncurrent loans | 140.3101% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 4,613 |
| Noncurrent loans to loans | 0.6811% | 3,444 |
| Net loans and leases to total assets | 35.4430% | 5,845 |
| Net loans and leases to deposits | 57.7933% | 5,008 |
| Net loans and leases to core deposits | 60.1571% | 5,067 |
| Total domestic deposits to total assets | 61.3272% | 6,239 |
| Equity capital to assets | 16.9290% | 428 |
| Core capital (leverage) ratio | 13.2864% | 1,054 |
| Tier 1 risk-based capital ratio | 26.7359% | 729 |
| Total risk-based capital ratio | 27.5070% | 741 |
| Memoranda: | ||
| Average total assets | $107,825,670 | 4,387 |
| Average earning assets | $98,292,330 | 4,414 |
| Average equity | $17,970,330 | 3,430 |
| Average total loans | $38,150,000 | 5,176 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8890% | 6,002 |
| Cost of funding earning assets | 0.2575% | 4,933 |
| Net interest margin | 2.6315% | 5,891 |
| Noninterest income to average assets | 0.1985% | 5,528 |
| Noninterest expense to average assets | 1.9484% | 5,668 |
| Loan and lease loss provision to assets | 0.0551% | 2,831 |
| Net operating income to assets | 0.5992% | 4,295 |
| Return on assets (ROA) | 0.6470% | 4,181 |
| Pretax return on assets | 0.6470% | 4,773 |
| Return on Equity (ROE) | 3.9122% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.9122% | 3,649 |
| Net charge-offs to loans | -0.0209% | 5,070 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3164% | 3,116 |
| Assets per employee ($millions) | 4.8848% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 5,265 |
| Loan loss allowance to noncurrent loans | 110.8974% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.5732% | 3,761 |
| Noncurrent loans to loans | 0.8530% | 3,115 |
| Net loans and leases to total assets | 33.7152% | 5,934 |
| Net loans and leases to deposits | 53.9833% | 5,190 |
| Net loans and leases to core deposits | 54.5006% | 5,345 |
| Total domestic deposits to total assets | 62.4548% | 6,299 |
| Equity capital to assets | 16.9413% | 434 |
| Core capital (leverage) ratio | 12.8658% | 1,207 |
| Tier 1 risk-based capital ratio | 26.7903% | 731 |
| Total risk-based capital ratio | 27.4837% | 752 |
| Memoranda: | ||
| Average total assets | $108,808,500 | 4,394 |
| Average earning assets | $99,412,000 | 4,414 |
| Average equity | $17,995,000 | 3,445 |
| Average total loans | $38,284,000 | 5,201 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1167% | 5,935 |
| Cost of funding earning assets | 0.2735% | 5,060 |
| Net interest margin | 2.8432% | 5,742 |
| Noninterest income to average assets | 0.1196% | 6,087 |
| Noninterest expense to average assets | 1.8719% | 5,971 |
| Loan and lease loss provision to assets | 0.0877% | 2,718 |
| Net operating income to assets | 0.7606% | 3,563 |
| Return on assets (ROA) | 0.7771% | 3,577 |
| Pretax return on assets | 0.7771% | 4,341 |
| Return on Equity (ROE) | 4.9488% | 4,688 |
| Retained earnings to average equity (ytd only) | 2.0412% | 4,761 |
| Net charge-offs to loans | -0.0129% | 5,613 |
| Credit loss provision to net charge-offs | -1,920.0000% | 5,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3646% | 4,187 |
| Assets per employee ($millions) | 5.0069% | 2,313 |
| Cash dividends to net income (ytd only)* | 58.7544% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6227% | 6,114 |
| Loan loss allowance to noncurrent loans | 43.1542% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 3,922 |
| Noncurrent loans to loans | 1.4429% | 2,041 |
| Net loans and leases to total assets | 36.0783% | 5,948 |
| Net loans and leases to deposits | 57.2274% | 5,109 |
| Net loans and leases to core deposits | 57.7572% | 5,272 |
| Total domestic deposits to total assets | 63.0438% | 6,369 |
| Equity capital to assets | 16.1450% | 517 |
| Core capital (leverage) ratio | 12.6078% | 1,305 |
| Tier 1 risk-based capital ratio | 24.0948% | 939 |
| Total risk-based capital ratio | 24.5504% | 1,012 |
| Memoranda: | ||
| Average total assets | $109,514,800 | 4,391 |
| Average earning assets | $100,169,200 | 4,387 |
| Average equity | $17,196,000 | 3,501 |
| Average total loans | $38,674,200 | 5,225 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1363% | 5,973 |
| Cost of funding earning assets | 0.2760% | 5,139 |
| Net interest margin | 2.8603% | 5,777 |
| Noninterest income to average assets | 0.1183% | 6,171 |
| Noninterest expense to average assets | 1.8130% | 6,072 |
| Loan and lease loss provision to assets | 0.0878% | 2,595 |
| Net operating income to assets | 0.8327% | 3,270 |
| Return on assets (ROA) | 0.8547% | 3,246 |
| Pretax return on assets | 0.8547% | 4,164 |
| Return on Equity (ROE) | 5.4821% | 4,499 |
| Retained earnings to average equity (ytd only) | 5.4821% | 2,773 |
| Net charge-offs to loans | -0.0209% | 5,624 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9161% | 4,556 |
| Assets per employee ($millions) | 4.7229% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5617% | 6,272 |
| Loan loss allowance to noncurrent loans | 38.4880% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 4,126 |
| Noncurrent loans to loans | 1.4594% | 2,231 |
| Net loans and leases to total assets | 36.5057% | 6,013 |
| Net loans and leases to deposits | 59.8223% | 4,961 |
| Net loans and leases to core deposits | 60.4027% | 5,164 |
| Total domestic deposits to total assets | 61.0235% | 6,477 |
| Equity capital to assets | 16.5613% | 487 |
| Core capital (leverage) ratio | 12.7381% | 1,286 |
| Tier 1 risk-based capital ratio | 25.0227% | 882 |
| Total risk-based capital ratio | 25.4378% | 943 |
| Memoranda: | ||
| Average total assets | $109,355,500 | 4,436 |
| Average earning assets | $99,987,250 | 4,439 |
| Average equity | $17,049,000 | 3,540 |
| Average total loans | $38,345,250 | 5,287 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0660% | 6,112 |
| Cost of funding earning assets | 0.2793% | 5,198 |
| Net interest margin | 2.7867% | 5,937 |
| Noninterest income to average assets | 0.1168% | 6,214 |
| Noninterest expense to average assets | 1.8449% | 6,084 |
| Loan and lease loss provision to assets | 0.0876% | 2,566 |
| Net operating income to assets | 0.7336% | 3,657 |
| Return on assets (ROA) | 0.7683% | 3,575 |
| Pretax return on assets | 0.7683% | 4,388 |
| Return on Equity (ROE) | 5.0313% | 4,658 |
| Retained earnings to average equity (ytd only) | 5.0313% | 2,940 |
| Net charge-offs to loans | -0.0159% | 5,458 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7351% | 4,236 |
| Assets per employee ($millions) | 5.3075% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5190% | 6,393 |
| Loan loss allowance to noncurrent loans | 34.5614% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 4,344 |
| Noncurrent loans to loans | 1.5017% | 2,318 |
| Net loans and leases to total assets | 33.8791% | 6,152 |
| Net loans and leases to deposits | 52.7234% | 5,447 |
| Net loans and leases to core deposits | 53.4593% | 5,583 |
| Total domestic deposits to total assets | 64.2583% | 6,508 |
| Equity capital to assets | 15.8203% | 578 |
| Core capital (leverage) ratio | 12.6282% | 1,325 |
| Tier 1 risk-based capital ratio | 25.6698% | 807 |
| Total risk-based capital ratio | 26.0528% | 882 |
| Memoranda: | ||
| Average total assets | $109,598,330 | 4,454 |
| Average earning assets | $100,261,330 | 4,466 |
| Average equity | $16,735,330 | 3,574 |
| Average total loans | $37,834,000 | 5,346 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0636% | 6,168 |
| Cost of funding earning assets | 0.2778% | 5,307 |
| Net interest margin | 2.7858% | 5,963 |
| Noninterest income to average assets | 0.1362% | 6,163 |
| Noninterest expense to average assets | 1.8552% | 6,136 |
| Loan and lease loss provision to assets | 0.0883% | 2,444 |
| Net operating income to assets | 0.7399% | 3,485 |
| Return on assets (ROA) | 0.7435% | 3,544 |
| Pretax return on assets | 0.7435% | 4,338 |
| Return on Equity (ROE) | 4.9612% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.9612% | 3,133 |
| Net charge-offs to loans | -0.0106% | 5,070 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,418 |
| Assets per employee ($millions) | 4.9810% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4662% | 6,524 |
| Loan loss allowance to noncurrent loans | 29.5337% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 4,446 |
| Noncurrent loans to loans | 1.5785% | 2,449 |
| Net loans and leases to total assets | 33.3178% | 6,212 |
| Net loans and leases to deposits | 52.9407% | 5,387 |
| Net loans and leases to core deposits | 53.7093% | 5,522 |
| Total domestic deposits to total assets | 62.9343% | 6,607 |
| Equity capital to assets | 15.2143% | 638 |
| Core capital (leverage) ratio | 12.2315% | 1,517 |
| Tier 1 risk-based capital ratio | 26.0450% | 788 |
| Total risk-based capital ratio | 26.3885% | 859 |
| Memoranda: | ||
| Average total assets | $108,668,500 | 4,517 |
| Average earning assets | $99,359,500 | 4,529 |
| Average equity | $16,286,500 | 3,650 |
| Average total loans | $37,772,000 | 5,399 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0390% | 6,301 |
| Cost of funding earning assets | 0.2872% | 5,693 |
| Net interest margin | 2.7518% | 6,059 |
| Noninterest income to average assets | 0.1549% | 6,160 |
| Noninterest expense to average assets | 1.9236% | 6,153 |
| Loan and lease loss provision to assets | 0.1185% | 2,834 |
| Net operating income to assets | 0.6064% | 4,236 |
| Return on assets (ROA) | 0.6941% | 3,915 |
| Pretax return on assets | 0.6941% | 4,563 |
| Return on Equity (ROE) | 4.4931% | 4,895 |
| Retained earnings to average equity (ytd only) | 2.6814% | 4,332 |
| Net charge-offs to loans | -0.0135% | 6,068 |
| Credit loss provision to net charge-offs | -2,540.0000% | 6,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0599% | 3,829 |
| Assets per employee ($millions) | 4.8980% | 2,314 |
| Cash dividends to net income (ytd only)* | 40.3226% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3757% | 6,653 |
| Loan loss allowance to noncurrent loans | 26.3538% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 4,572 |
| Noncurrent loans to loans | 1.4255% | 2,753 |
| Net loans and leases to total assets | 35.9302% | 6,206 |
| Net loans and leases to deposits | 59.2846% | 5,004 |
| Net loans and leases to core deposits | 60.1943% | 5,210 |
| Total domestic deposits to total assets | 60.6064% | 6,708 |
| Equity capital to assets | 14.7565% | 716 |
| Core capital (leverage) ratio | 12.2004% | 1,495 |
| Tier 1 risk-based capital ratio | 24.7548% | 876 |
| Total risk-based capital ratio | 25.0384% | 964 |
| Memoranda: | ||
| Average total assets | $107,193,000 | 4,565 |
| Average earning assets | $97,137,200 | 4,589 |
| Average equity | $16,558,800 | 3,624 |
| Average total loans | $37,110,600 | 5,458 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9964% | 6,426 |
| Cost of funding earning assets | 0.2867% | 5,839 |
| Net interest margin | 2.7097% | 6,159 |
| Noninterest income to average assets | 0.1582% | 6,240 |
| Noninterest expense to average assets | 1.8744% | 6,221 |
| Loan and lease loss provision to assets | 0.1395% | 2,549 |
| Net operating income to assets | 0.5928% | 4,385 |
| Return on assets (ROA) | 0.7099% | 3,938 |
| Pretax return on assets | 0.7099% | 4,661 |
| Return on Equity (ROE) | 4.5445% | 4,960 |
| Retained earnings to average equity (ytd only) | 4.5445% | 3,437 |
| Net charge-offs to loans | -0.0145% | 5,970 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3263% | 3,863 |
| Assets per employee ($millions) | 4.8975% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3538% | 6,749 |
| Loan loss allowance to noncurrent loans | 23.2975% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 4,788 |
| Noncurrent loans to loans | 1.5188% | 2,890 |
| Net loans and leases to total assets | 33.9771% | 6,359 |
| Net loans and leases to deposits | 53.0542% | 5,628 |
| Net loans and leases to core deposits | 53.8241% | 5,778 |
| Total domestic deposits to total assets | 64.0423% | 6,751 |
| Equity capital to assets | 14.9658% | 718 |
| Core capital (leverage) ratio | 12.4201% | 1,461 |
| Tier 1 risk-based capital ratio | 25.6352% | 814 |
| Total risk-based capital ratio | 25.8951% | 900 |
| Memoranda: | ||
| Average total assets | $107,052,250 | 4,614 |
| Average earning assets | $96,735,000 | 4,650 |
| Average equity | $16,723,250 | 3,641 |
| Average total loans | $36,672,500 | 5,524 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9003% | 6,534 |
| Cost of funding earning assets | 0.2840% | 5,953 |
| Net interest margin | 2.6163% | 6,318 |
| Noninterest income to average assets | 0.1835% | 6,105 |
| Noninterest expense to average assets | 1.8573% | 6,284 |
| Loan and lease loss provision to assets | 0.0562% | 3,880 |
| Net operating income to assets | 0.6328% | 4,141 |
| Return on assets (ROA) | 0.8088% | 3,395 |
| Pretax return on assets | 0.8088% | 4,280 |
| Return on Equity (ROE) | 5.1056% | 4,666 |
| Retained earnings to average equity (ytd only) | 5.1056% | 2,985 |
| Net charge-offs to loans | -0.0109% | 5,788 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2941% | 3,771 |
| Assets per employee ($millions) | 4.8982% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1261% | 6,858 |
| Loan loss allowance to noncurrent loans | 7.0336% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 4,613 |
| Noncurrent loans to loans | 1.7931% | 2,648 |
| Net loans and leases to total assets | 33.8035% | 6,425 |
| Net loans and leases to deposits | 51.0683% | 5,766 |
| Net loans and leases to core deposits | 51.7848% | 5,901 |
| Total domestic deposits to total assets | 66.1928% | 6,755 |
| Equity capital to assets | 14.9627% | 720 |
| Core capital (leverage) ratio | 12.0989% | 1,565 |
| Tier 1 risk-based capital ratio | 25.4301% | 828 |
| Total risk-based capital ratio | 25.5224% | 947 |
| Memoranda: | ||
| Average total assets | $106,821,000 | 4,646 |
| Average earning assets | $96,473,670 | 4,687 |
| Average equity | $16,922,670 | 3,633 |
| Average total loans | $36,650,330 | 5,554 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9251% | 6,585 |
| Cost of funding earning assets | 0.2837% | 6,081 |
| Net interest margin | 2.6413% | 6,308 |
| Noninterest income to average assets | 0.2144% | 5,943 |
| Noninterest expense to average assets | 1.9407% | 6,209 |
| Loan and lease loss provision to assets | 0.0564% | 3,697 |
| Net operating income to assets | 0.5980% | 4,225 |
| Return on assets (ROA) | 0.5980% | 4,371 |
| Pretax return on assets | 0.5980% | 4,952 |
| Return on Equity (ROE) | 3.6716% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.6716% | 4,029 |
| Net charge-offs to loans | -0.0109% | 5,471 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1739% | 3,579 |
| Assets per employee ($millions) | 4.9967% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0853% | 6,943 |
| Loan loss allowance to noncurrent loans | 4.9834% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 4,930 |
| Noncurrent loans to loans | 1.7117% | 2,979 |
| Net loans and leases to total assets | 31.9664% | 6,516 |
| Net loans and leases to deposits | 47.7478% | 5,941 |
| Net loans and leases to core deposits | 48.3969% | 6,074 |
| Total domestic deposits to total assets | 66.9484% | 6,830 |
| Equity capital to assets | 15.7167% | 603 |
| Core capital (leverage) ratio | 11.9279% | 1,610 |
| Tier 1 risk-based capital ratio | 25.3908% | 849 |
| Total risk-based capital ratio | 25.4524% | 974 |
| Memoranda: | ||
| Average total assets | $106,351,000 | 4,705 |
| Average earning assets | $95,861,500 | 4,740 |
| Average equity | $17,322,000 | 3,614 |
| Average total loans | $36,739,000 | 5,584 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7717% | 6,865 |
| Cost of funding earning assets | 0.2634% | 6,617 |
| Net interest margin | 2.5083% | 6,707 |
| Noninterest income to average assets | 0.1851% | 6,075 |
| Noninterest expense to average assets | 1.9534% | 6,416 |
| Loan and lease loss provision to assets | 0.0106% | 5,789 |
| Net operating income to assets | 0.4875% | 4,729 |
| Return on assets (ROA) | 0.5404% | 4,774 |
| Pretax return on assets | 0.5404% | 5,161 |
| Return on Equity (ROE) | 3.3934% | 5,393 |
| Retained earnings to average equity (ytd only) | 2.7293% | 4,316 |
| Net charge-offs to loans | -0.0027% | 6,345 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3512% | 2,539 |
| Assets per employee ($millions) | 4.8940% | 2,363 |
| Cash dividends to net income (ytd only)* | 19.5695% | 3,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0313% | 7,004 |
| Loan loss allowance to noncurrent loans | 2.1978% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 5,053 |
| Noncurrent loans to loans | 1.4253% | 3,462 |
| Net loans and leases to total assets | 37.2623% | 6,354 |
| Net loans and leases to deposits | 58.3212% | 5,204 |
| Net loans and leases to core deposits | 59.2112% | 5,433 |
| Total domestic deposits to total assets | 63.8916% | 6,933 |
| Equity capital to assets | 16.8982% | 429 |
| Core capital (leverage) ratio | 12.7687% | 1,211 |
| Tier 1 risk-based capital ratio | 24.6181% | 895 |
| Total risk-based capital ratio | 24.6423% | 1,034 |
| Memoranda: | ||
| Average total assets | $94,554,600 | 4,973 |
| Average earning assets | $85,436,000 | 4,977 |
| Average equity | $15,058,600 | 3,953 |
| Average total loans | $36,913,000 | 5,639 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6548% | 7,012 |
| Cost of funding earning assets | 0.2895% | 6,662 |
| Net interest margin | 2.3653% | 6,915 |
| Noninterest income to average assets | 0.1586% | 6,351 |
| Noninterest expense to average assets | 1.7499% | 6,737 |
| Loan and lease loss provision to assets | 0.0144% | 5,634 |
| Net operating income to assets | 0.5376% | 4,672 |
| Return on assets (ROA) | 0.5463% | 4,900 |
| Pretax return on assets | 0.5463% | 5,320 |
| Return on Equity (ROE) | 3.4894% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.5687% | 5,028 |
| Net charge-offs to loans | -0.0036% | 6,241 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0175% | 2,676 |
| Assets per employee ($millions) | 4.6887% | 2,614 |
| Cash dividends to net income (ytd only)* | 26.3853% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 4,397 |
| Loan loss allowance to noncurrent loans | 79.5681% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 4,974 |
| Noncurrent loans to loans | 1.7530% | 3,152 |
| Net loans and leases to total assets | 36.1113% | 6,542 |
| Net loans and leases to deposits | 56.5354% | 5,585 |
| Net loans and leases to core deposits | 57.4826% | 5,770 |
| Total domestic deposits to total assets | 63.8738% | 7,018 |
| Equity capital to assets | 16.9845% | 461 |
| Core capital (leverage) ratio | 13.2027% | 1,111 |
| Tier 1 risk-based capital ratio | 26.6740% | 765 |
| Total risk-based capital ratio | 27.7649% | 766 |
| Memoranda: | ||
| Average total assets | $92,499,750 | 5,065 |
| Average earning assets | $83,822,500 | 5,079 |
| Average equity | $14,481,500 | 4,112 |
| Average total loans | $36,564,250 | 5,724 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4261% | 7,139 |
| Cost of funding earning assets | 0.2634% | 6,866 |
| Net interest margin | 2.1626% | 7,059 |
| Noninterest income to average assets | 0.1260% | 6,556 |
| Noninterest expense to average assets | 1.6161% | 6,912 |
| Loan and lease loss provision to assets | 0.0217% | 5,395 |
| Net operating income to assets | 0.4496% | 5,039 |
| Return on assets (ROA) | 0.4496% | 5,271 |
| Pretax return on assets | 0.4496% | 5,576 |
| Return on Equity (ROE) | 2.9572% | 5,708 |
| Retained earnings to average equity (ytd only) | 1.5286% | 5,443 |
| Net charge-offs to loans | -0.0054% | 6,175 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4194% | 2,537 |
| Assets per employee ($millions) | 4.6204% | 2,687 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 4,529 |
| Loan loss allowance to noncurrent loans | 87.2495% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 5,173 |
| Noncurrent loans to loans | 1.5839% | 3,533 |
| Net loans and leases to total assets | 36.9903% | 6,547 |
| Net loans and leases to deposits | 55.0781% | 5,760 |
| Net loans and leases to core deposits | 55.9682% | 5,949 |
| Total domestic deposits to total assets | 67.1598% | 7,020 |
| Equity capital to assets | 16.6371% | 492 |
| Core capital (leverage) ratio | 12.8625% | 1,190 |
| Tier 1 risk-based capital ratio | 26.4418% | 773 |
| Total risk-based capital ratio | 27.5394% | 768 |
| Memoranda: | ||
| Average total assets | $92,075,000 | 5,110 |
| Average earning assets | $83,509,670 | 5,119 |
| Average equity | $13,999,670 | 4,195 |
| Average total loans | $37,305,000 | 5,716 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4646% | 7,269 |
| Cost of funding earning assets | 0.1479% | 7,195 |
| Net interest margin | 1.3167% | 7,254 |
| Noninterest income to average assets | 0.0348% | 6,991 |
| Noninterest expense to average assets | 0.7703% | 7,275 |
| Loan and lease loss provision to assets | 0.0218% | 5,066 |
| Net operating income to assets | 0.4439% | 5,063 |
| Return on assets (ROA) | 0.4439% | 5,253 |
| Pretax return on assets | 0.4439% | 5,605 |
| Return on Equity (ROE) | 3.0648% | 5,695 |
| Retained earnings to average equity (ytd only) | 3.0648% | 4,724 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3239% | 5,212 |
| Assets per employee ($millions) | 4.6238% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 5,311 |
| Loan loss allowance to noncurrent loans | 92.7451% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5942% | 5,405 |
| Noncurrent loans to loans | 1.3379% | 4,111 |
| Net loans and leases to total assets | 38.7718% | 6,438 |
| Net loans and leases to deposits | 54.7601% | 5,727 |
| Net loans and leases to core deposits | 55.5577% | 5,943 |
| Total domestic deposits to total assets | 70.8030% | 6,942 |
| Equity capital to assets | 15.6809% | 624 |
| Core capital (leverage) ratio | 12.0850% | 1,540 |
| Tier 1 risk-based capital ratio | 24.5446% | 945 |
| Total risk-based capital ratio | 25.5511% | 962 |
| Memoranda: | ||
| Average total assets | $91,908,500 | 5,155 |
| Average earning assets | $83,847,000 | 5,147 |
| Average equity | $13,312,500 | 4,348 |
| Average total loans | $38,627,000 | 5,703 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 4,977 |
| Cost of funding earning assets | 0.5811% | 6,182 |
| Net interest margin | 3.9437% | 3,142 |
| Noninterest income to average assets | 0.2307% | 5,886 |
| Noninterest expense to average assets | 2.4146% | 5,732 |
| Loan and lease loss provision to assets | 0.1042% | 5,281 |
| Net operating income to assets | 1.3797% | 1,064 |
| Return on assets (ROA) | 1.4087% | 1,091 |
| Pretax return on assets | 1.4204% | 1,718 |
| Return on Equity (ROE) | 10.9649% | 1,705 |
| Retained earnings to average equity (ytd only) | 2.7617% | 4,269 |
| Net charge-offs to loans | 0.0104% | 6,282 |
| Credit loss provision to net charge-offs | 2,225.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 319.2500% | 113 |
| Efficiency ratio | 61.7550% | 5,494 |
| Assets per employee ($millions) | 4.1294% | 3,591 |
| Cash dividends to net income (ytd only)* | 74.8130% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,505 |
| Loan loss allowance to noncurrent loans | 77.5717% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7611% | 5,119 |
| Noncurrent loans to loans | 1.5153% | 3,875 |
| Net loans and leases to total assets | 44.5974% | 6,150 |
| Net loans and leases to deposits | 65.9988% | 4,730 |
| Net loans and leases to core deposits | 67.1295% | 5,147 |
| Total domestic deposits to total assets | 67.5731% | 7,089 |
| Equity capital to assets | 13.1449% | 1,423 |
| Core capital (leverage) ratio | 11.3699% | 1,987 |
| Tier 1 risk-based capital ratio | 23.2607% | 1,071 |
| Total risk-based capital ratio | 24.3496% | 1,072 |
| Memoranda: | ||
| Average total assets | $85,397,600 | 5,300 |
| Average earning assets | $79,671,200 | 5,242 |
| Average equity | $10,971,400 | 4,787 |
| Average total loans | $38,382,600 | 5,760 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 5,165 |
| Cost of funding earning assets | 0.6063% | 6,259 |
| Net interest margin | 3.9236% | 3,255 |
| Noninterest income to average assets | 0.2351% | 5,940 |
| Noninterest expense to average assets | 2.3416% | 5,929 |
| Loan and lease loss provision to assets | 0.0705% | 5,570 |
| Net operating income to assets | 1.4894% | 958 |
| Return on assets (ROA) | 1.5282% | 961 |
| Pretax return on assets | 1.5438% | 1,533 |
| Return on Equity (ROE) | 11.9653% | 1,563 |
| Retained earnings to average equity (ytd only) | 4.6021% | 3,445 |
| Net charge-offs to loans | 0.0070% | 6,067 |
| Credit loss provision to net charge-offs | 2,250.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 501.8614% | 76 |
| Efficiency ratio | 59.7839% | 5,760 |
| Assets per employee ($millions) | 4.1333% | 3,580 |
| Cash dividends to net income (ytd only)* | 61.5383% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 6,065 |
| Loan loss allowance to noncurrent loans | 61.9259% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 0.8548% | 5,045 |
| Noncurrent loans to loans | 1.6889% | 3,772 |
| Net loans and leases to total assets | 45.5645% | 6,182 |
| Net loans and leases to deposits | 63.7020% | 5,208 |
| Net loans and leases to core deposits | 64.7310% | 5,543 |
| Total domestic deposits to total assets | 71.5276% | 6,963 |
| Equity capital to assets | 13.3733% | 1,426 |
| Core capital (leverage) ratio | 11.4696% | 2,041 |
| Tier 1 risk-based capital ratio | 23.1278% | 1,136 |
| Total risk-based capital ratio | 24.1045% | 1,146 |
| Memoranda: | ||
| Average total assets | $85,067,500 | 5,352 |
| Average earning assets | $79,823,500 | 5,274 |
| Average equity | $10,864,500 | 4,836 |
| Average total loans | $38,194,750 | 5,829 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 5,262 |
| Cost of funding earning assets | 0.6271% | 6,330 |
| Net interest margin | 3.9031% | 3,296 |
| Noninterest income to average assets | 0.2391% | 5,939 |
| Noninterest expense to average assets | 2.4169% | 5,791 |
| Loan and lease loss provision to assets | 0.0710% | 5,422 |
| Net operating income to assets | 1.4345% | 1,011 |
| Return on assets (ROA) | 1.4937% | 961 |
| Pretax return on assets | 1.4937% | 1,551 |
| Return on Equity (ROE) | 11.8870% | 1,525 |
| Retained earnings to average equity (ytd only) | 4.3516% | 3,424 |
| Net charge-offs to loans | 0.0160% | 5,619 |
| Credit loss provision to net charge-offs | 1,000.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 212.0000% | 166 |
| Efficiency ratio | 61.6174% | 5,642 |
| Assets per employee ($millions) | 4.0228% | 3,709 |
| Cash dividends to net income (ytd only)* | 63.3914% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 6,074 |
| Loan loss allowance to noncurrent loans | 63.4069% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 0.8298% | 5,223 |
| Noncurrent loans to loans | 1.6821% | 3,904 |
| Net loans and leases to total assets | 44.1393% | 6,425 |
| Net loans and leases to deposits | 61.2635% | 5,583 |
| Net loans and leases to core deposits | 62.2733% | 5,880 |
| Total domestic deposits to total assets | 72.0483% | 7,001 |
| Equity capital to assets | 13.0768% | 1,484 |
| Core capital (leverage) ratio | 11.2384% | 2,081 |
| Tier 1 risk-based capital ratio | 24.0738% | 999 |
| Total risk-based capital ratio | 25.0660% | 1,013 |
| Memoranda: | ||
| Average total assets | $84,490,000 | 5,411 |
| Average earning assets | $79,731,330 | 5,325 |
| Average equity | $10,616,670 | 4,893 |
| Average total loans | $37,603,670 | 5,910 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 5,104 |
| Cost of funding earning assets | 0.6558% | 6,361 |
| Net interest margin | 3.9096% | 3,096 |
| Noninterest income to average assets | 0.2509% | 5,898 |
| Noninterest expense to average assets | 2.4333% | 5,782 |
| Loan and lease loss provision to assets | 0.0710% | 5,114 |
| Net operating income to assets | 1.4155% | 1,038 |
| Return on assets (ROA) | 1.5338% | 857 |
| Pretax return on assets | 1.5338% | 1,350 |
| Return on Equity (ROE) | 12.4597% | 1,338 |
| Retained earnings to average equity (ytd only) | 4.7685% | 3,325 |
| Net charge-offs to loans | 0.0213% | 4,779 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 202 |
| Efficiency ratio | 62.0773% | 5,667 |
| Assets per employee ($millions) | 3.8727% | 4,134 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 6,305 |
| Loan loss allowance to noncurrent loans | 134.7222% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 6,048 |
| Noncurrent loans to loans | 0.7584% | 5,512 |
| Net loans and leases to total assets | 44.1162% | 6,461 |
| Net loans and leases to deposits | 64.3999% | 5,202 |
| Net loans and leases to core deposits | 65.5077% | 5,562 |
| Total domestic deposits to total assets | 68.5035% | 7,250 |
| Equity capital to assets | 12.3979% | 1,685 |
| Core capital (leverage) ratio | 11.2768% | 1,976 |
| Tier 1 risk-based capital ratio | 23.5540% | 1,016 |
| Total risk-based capital ratio | 24.5013% | 1,042 |
| Memoranda: | ||
| Average total assets | $84,496,000 | 5,454 |
| Average earning assets | $79,292,500 | 5,383 |
| Average equity | $10,401,500 | 4,939 |
| Average total loans | $37,560,500 | 5,960 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0068% | 4,526 |
| Cost of funding earning assets | 0.9031% | 6,166 |
| Net interest margin | 4.1037% | 2,548 |
| Noninterest income to average assets | 0.2920% | 5,693 |
| Noninterest expense to average assets | 2.6091% | 5,379 |
| Loan and lease loss provision to assets | 0.1884% | 5,346 |
| Net operating income to assets | 1.3210% | 1,122 |
| Return on assets (ROA) | 1.3210% | 1,190 |
| Pretax return on assets | 1.3488% | 1,806 |
| Return on Equity (ROE) | 10.0589% | 1,907 |
| Retained earnings to average equity (ytd only) | 3.3209% | 3,542 |
| Net charge-offs to loans | 0.7144% | 2,872 |
| Credit loss provision to net charge-offs | 55.8052% | 6,164 |
| Earnings coverage of net charge-offs (x) | 4.5543% | 2,880 |
| Efficiency ratio | 62.9268% | 5,531 |
| Assets per employee ($millions) | 3.4913% | 4,946 |
| Cash dividends to net income (ytd only)* | 66.9856% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 6,341 |
| Loan loss allowance to noncurrent loans | 315.1261% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 6,506 |
| Noncurrent loans to loans | 0.3204% | 6,411 |
| Net loans and leases to total assets | 43.8837% | 6,724 |
| Net loans and leases to deposits | 62.7620% | 5,769 |
| Net loans and leases to core deposits | 64.1907% | 6,037 |
| Total domestic deposits to total assets | 69.9208% | 7,239 |
| Equity capital to assets | 12.2207% | 1,778 |
| Core capital (leverage) ratio | 11.0200% | 2,147 |
| Tier 1 risk-based capital ratio | 23.2229% | 1,010 |
| Total risk-based capital ratio | 24.1373% | 1,034 |
| Memoranda: | ||
| Average total assets | $79,108,000 | 5,618 |
| Average earning assets | $74,298,600 | 5,531 |
| Average equity | $10,388,800 | 5,013 |
| Average total loans | $37,372,600 | 6,046 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 4,487 |
| Cost of funding earning assets | 0.9512% | 6,171 |
| Net interest margin | 4.1175% | 2,542 |
| Noninterest income to average assets | 0.2789% | 5,874 |
| Noninterest expense to average assets | 2.5935% | 5,350 |
| Loan and lease loss provision to assets | 0.0462% | 6,624 |
| Net operating income to assets | 1.4747% | 964 |
| Return on assets (ROA) | 1.4747% | 1,044 |
| Pretax return on assets | 1.5123% | 1,580 |
| Return on Equity (ROE) | 11.0234% | 1,776 |
| Retained earnings to average equity (ytd only) | 3.9899% | 3,669 |
| Net charge-offs to loans | 0.6911% | 2,693 |
| Credit loss provision to net charge-offs | 13.9175% | 6,302 |
| Earnings coverage of net charge-offs (x) | 4.6959% | 2,950 |
| Efficiency ratio | 62.4639% | 5,531 |
| Assets per employee ($millions) | 3.6022% | 4,730 |
| Cash dividends to net income (ytd only)* | 63.8058% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 6,798 |
| Loan loss allowance to noncurrent loans | 125.8687% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 6,599 |
| Noncurrent loans to loans | 0.7002% | 5,809 |
| Net loans and leases to total assets | 44.2511% | 6,822 |
| Net loans and leases to deposits | 65.2569% | 5,750 |
| Net loans and leases to core deposits | 66.8076% | 6,051 |
| Total domestic deposits to total assets | 67.8105% | 7,391 |
| Equity capital to assets | 12.9801% | 1,583 |
| Core capital (leverage) ratio | 11.5205% | 1,928 |
| Tier 1 risk-based capital ratio | 23.1865% | 1,040 |
| Total risk-based capital ratio | 23.9830% | 1,072 |
| Memoranda: | ||
| Average total assets | $77,937,000 | 5,717 |
| Average earning assets | $73,311,750 | 5,624 |
| Average equity | $10,426,000 | 5,077 |
| Average total loans | $37,429,250 | 6,122 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1519% | 4,188 |
| Cost of funding earning assets | 0.9730% | 6,272 |
| Net interest margin | 4.1790% | 2,228 |
| Noninterest income to average assets | 0.2464% | 6,150 |
| Noninterest expense to average assets | 2.6527% | 5,116 |
| Loan and lease loss provision to assets | 0.0472% | 6,494 |
| Net operating income to assets | 1.4496% | 992 |
| Return on assets (ROA) | 1.4496% | 1,059 |
| Pretax return on assets | 1.4758% | 1,624 |
| Return on Equity (ROE) | 10.7205% | 1,850 |
| Retained earnings to average equity (ytd only) | 3.9354% | 3,578 |
| Net charge-offs to loans | 0.0160% | 6,116 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 193.6667% | 172 |
| Efficiency ratio | 63.5279% | 5,429 |
| Assets per employee ($millions) | 3.4052% | 5,171 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 4,538 |
| Loan loss allowance to noncurrent loans | 121.2411% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 6,130 |
| Noncurrent loans to loans | 1.1366% | 5,060 |
| Net loans and leases to total assets | 46.4204% | 6,752 |
| Net loans and leases to deposits | 69.2008% | 5,388 |
| Net loans and leases to core deposits | 70.9621% | 5,775 |
| Total domestic deposits to total assets | 67.0808% | 7,478 |
| Equity capital to assets | 13.5089% | 1,343 |
| Core capital (leverage) ratio | 12.0617% | 1,612 |
| Tier 1 risk-based capital ratio | 22.9662% | 1,076 |
| Total risk-based capital ratio | 24.2099% | 1,053 |
| Memoranda: | ||
| Average total assets | $76,299,330 | 5,795 |
| Average earning assets | $71,740,000 | 5,714 |
| Average equity | $10,316,670 | 5,113 |
| Average total loans | $37,576,330 | 6,157 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3020% | 3,542 |
| Cost of funding earning assets | 0.9959% | 6,398 |
| Net interest margin | 4.3061% | 1,672 |
| Noninterest income to average assets | 0.2656% | 6,029 |
| Noninterest expense to average assets | 2.6670% | 5,071 |
| Loan and lease loss provision to assets | 0.0478% | 6,185 |
| Net operating income to assets | 1.5407% | 833 |
| Return on assets (ROA) | 1.5407% | 898 |
| Pretax return on assets | 1.5938% | 1,278 |
| Return on Equity (ROE) | 11.3893% | 1,674 |
| Retained earnings to average equity (ytd only) | 5.4983% | 2,866 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8989% | 5,851 |
| Assets per employee ($millions) | 3.1726% | 5,829 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 4,592 |
| Loan loss allowance to noncurrent loans | 79.0551% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 5,487 |
| Noncurrent loans to loans | 1.7286% | 4,148 |
| Net loans and leases to total assets | 47.5855% | 6,711 |
| Net loans and leases to deposits | 68.8749% | 5,485 |
| Net loans and leases to core deposits | 70.6255% | 5,860 |
| Total domestic deposits to total assets | 69.0897% | 7,466 |
| Equity capital to assets | 13.5508% | 1,303 |
| Core capital (leverage) ratio | 12.2697% | 1,508 |
| Tier 1 risk-based capital ratio | 23.4315% | 1,021 |
| Total risk-based capital ratio | 24.6938% | 994 |
| Memoranda: | ||
| Average total assets | $75,289,500 | 5,896 |
| Average earning assets | $70,690,500 | 5,825 |
| Average equity | $10,185,000 | 5,184 |
| Average total loans | $37,932,500 | 6,214 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4923% | 4,184 |
| Cost of funding earning assets | 1.3004% | 6,305 |
| Net interest margin | 4.1920% | 2,097 |
| Noninterest income to average assets | 0.3130% | 5,840 |
| Noninterest expense to average assets | 2.8768% | 4,626 |
| Loan and lease loss provision to assets | 0.2982% | 5,047 |
| Net operating income to assets | 1.0555% | 1,645 |
| Return on assets (ROA) | 1.0876% | 1,591 |
| Pretax return on assets | 1.0984% | 2,259 |
| Return on Equity (ROE) | 8.0661% | 2,337 |
| Retained earnings to average equity (ytd only) | 0.0600% | 4,872 |
| Net charge-offs to loans | 0.2088% | 5,320 |
| Credit loss provision to net charge-offs | 263.0952% | 1,336 |
| Earnings coverage of net charge-offs (x) | 12.0357% | 1,539 |
| Efficiency ratio | 67.8333% | 5,032 |
| Assets per employee ($millions) | 3.2363% | 5,636 |
| Cash dividends to net income (ytd only)* | 99.2556% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 4,989 |
| Loan loss allowance to noncurrent loans | 77.2727% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.8571% | 5,393 |
| Noncurrent loans to loans | 1.6305% | 4,199 |
| Net loans and leases to total assets | 51.9063% | 6,434 |
| Net loans and leases to deposits | 72.0235% | 5,320 |
| Net loans and leases to core deposits | 80.0916% | 6,091 |
| Total domestic deposits to total assets | 72.0686% | 7,237 |
| Equity capital to assets | 13.5042% | 1,320 |
| Core capital (leverage) ratio | 12.2075% | 1,576 |
| Tier 1 risk-based capital ratio | 22.1199% | 1,137 |
| Total risk-based capital ratio | 23.3081% | 1,117 |
| Memoranda: | ||
| Average total assets | $74,110,400 | 5,884 |
| Average earning assets | $69,442,600 | 5,826 |
| Average equity | $9,992,400 | 5,297 |
| Average total loans | $40,221,600 | 6,097 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4986% | 4,428 |
| Cost of funding earning assets | 1.3747% | 6,317 |
| Net interest margin | 4.1240% | 2,308 |
| Noninterest income to average assets | 0.3242% | 5,888 |
| Noninterest expense to average assets | 2.8421% | 4,714 |
| Loan and lease loss provision to assets | 0.0486% | 6,883 |
| Net operating income to assets | 1.2878% | 1,251 |
| Return on assets (ROA) | 1.2878% | 1,319 |
| Pretax return on assets | 1.3022% | 1,947 |
| Return on Equity (ROE) | 9.5546% | 2,079 |
| Retained earnings to average equity (ytd only) | 2.5390% | 3,899 |
| Net charge-offs to loans | -0.0263% | 7,787 |
| Credit loss provision to net charge-offs | -337.5000% | 7,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7835% | 5,022 |
| Assets per employee ($millions) | 3.2538% | 5,512 |
| Cash dividends to net income (ytd only)* | 73.4263% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 6,158 |
| Loan loss allowance to noncurrent loans | 27.3045% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 1.9135% | 3,477 |
| Noncurrent loans to loans | 3.7402% | 1,994 |
| Net loans and leases to total assets | 50.6381% | 6,726 |
| Net loans and leases to deposits | 70.2637% | 5,880 |
| Net loans and leases to core deposits | 78.1635% | 6,474 |
| Total domestic deposits to total assets | 72.0686% | 7,202 |
| Equity capital to assets | 13.7900% | 1,378 |
| Core capital (leverage) ratio | 12.4323% | 1,608 |
| Tier 1 risk-based capital ratio | 23.0659% | 1,103 |
| Total risk-based capital ratio | 24.0293% | 1,107 |
| Memoranda: | ||
| Average total assets | $74,029,000 | 5,930 |
| Average earning assets | $69,446,000 | 5,863 |
| Average equity | $9,977,500 | 5,344 |
| Average total loans | $40,494,500 | 6,131 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6884% | 3,611 |
| Cost of funding earning assets | 1.4668% | 6,272 |
| Net interest margin | 4.2216% | 1,912 |
| Noninterest income to average assets | 0.3335% | 5,844 |
| Noninterest expense to average assets | 2.7847% | 5,027 |
| Loan and lease loss provision to assets | 0.0488% | 6,744 |
| Net operating income to assets | 1.4507% | 929 |
| Return on assets (ROA) | 1.4507% | 993 |
| Pretax return on assets | 1.4723% | 1,521 |
| Return on Equity (ROE) | 10.8483% | 1,739 |
| Retained earnings to average equity (ytd only) | 4.0554% | 3,029 |
| Net charge-offs to loans | -0.0340% | 7,793 |
| Credit loss provision to net charge-offs | -257.1429% | 6,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6725% | 5,777 |
| Assets per employee ($millions) | 3.1162% | 5,819 |
| Cash dividends to net income (ytd only)* | 62.6168% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 6,526 |
| Loan loss allowance to noncurrent loans | 32.6478% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 1.6283% | 3,770 |
| Noncurrent loans to loans | 2.9278% | 2,455 |
| Net loans and leases to total assets | 55.0815% | 6,328 |
| Net loans and leases to deposits | 80.2741% | 4,506 |
| Net loans and leases to core deposits | 89.6127% | 5,566 |
| Total domestic deposits to total assets | 68.6168% | 7,579 |
| Equity capital to assets | 13.7487% | 1,404 |
| Core capital (leverage) ratio | 12.5817% | 1,582 |
| Tier 1 risk-based capital ratio | 22.8661% | 1,153 |
| Total risk-based capital ratio | 23.7958% | 1,151 |
| Memoranda: | ||
| Average total assets | $73,759,670 | 5,983 |
| Average earning assets | $69,404,330 | 5,907 |
| Average equity | $9,863,330 | 5,400 |
| Average total loans | $41,230,330 | 6,147 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7239% | 3,679 |
| Cost of funding earning assets | 1.5833% | 6,097 |
| Net interest margin | 4.1406% | 2,123 |
| Noninterest income to average assets | 0.3262% | 5,846 |
| Noninterest expense to average assets | 2.7325% | 4,862 |
| Loan and lease loss provision to assets | 0.0481% | 6,369 |
| Net operating income to assets | 1.3903% | 1,160 |
| Return on assets (ROA) | 1.3903% | 1,251 |
| Pretax return on assets | 1.4331% | 1,870 |
| Return on Equity (ROE) | 10.5391% | 2,110 |
| Retained earnings to average equity (ytd only) | 7.4990% | 2,025 |
| Net charge-offs to loans | -0.0668% | 7,784 |
| Credit loss provision to net charge-offs | -128.5714% | 6,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8477% | 5,531 |
| Assets per employee ($millions) | 3.2533% | 5,449 |
| Cash dividends to net income (ytd only)* | 28.8462% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 6,642 |
| Loan loss allowance to noncurrent loans | 759.1837% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 7,398 |
| Noncurrent loans to loans | 0.1215% | 7,174 |
| Net loans and leases to total assets | 53.3872% | 6,539 |
| Net loans and leases to deposits | 72.5478% | 5,672 |
| Net loans and leases to core deposits | 80.4815% | 6,347 |
| Total domestic deposits to total assets | 73.5890% | 6,950 |
| Equity capital to assets | 13.3792% | 1,583 |
| Core capital (leverage) ratio | 12.3908% | 1,725 |
| Tier 1 risk-based capital ratio | 22.5004% | 1,249 |
| Total risk-based capital ratio | 23.3949% | 1,252 |
| Memoranda: | ||
| Average total assets | $74,803,500 | 5,981 |
| Average earning assets | $70,232,000 | 5,905 |
| Average equity | $9,868,000 | 5,426 |
| Average total loans | $41,916,000 | 6,148 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0977% | 5,057 |
| Cost of funding earning assets | 2.1151% | 5,983 |
| Net interest margin | 3.9826% | 3,202 |
| Noninterest income to average assets | 0.3366% | 6,045 |
| Noninterest expense to average assets | 2.7935% | 4,848 |
| Loan and lease loss provision to assets | 0.0055% | 7,290 |
| Net operating income to assets | 1.2650% | 1,582 |
| Return on assets (ROA) | 1.2650% | 1,531 |
| Pretax return on assets | 1.2650% | 2,425 |
| Return on Equity (ROE) | 10.0498% | 2,246 |
| Retained earnings to average equity (ytd only) | 2.1371% | 3,902 |
| Net charge-offs to loans | 0.1577% | 4,623 |
| Credit loss provision to net charge-offs | 5.9701% | 6,636 |
| Earnings coverage of net charge-offs (x) | 13.7463% | 2,107 |
| Efficiency ratio | 68.7373% | 4,589 |
| Assets per employee ($millions) | 3.2514% | 5,330 |
| Cash dividends to net income (ytd only)* | 78.7350% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 7,032 |
| Loan loss allowance to noncurrent loans | 76.5591% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 5,335 |
| Noncurrent loans to loans | 1.0686% | 4,430 |
| Net loans and leases to total assets | 57.7104% | 6,246 |
| Net loans and leases to deposits | 77.1749% | 5,447 |
| Net loans and leases to core deposits | 87.7121% | 5,996 |
| Total domestic deposits to total assets | 74.7787% | 6,501 |
| Equity capital to assets | 13.0045% | 1,784 |
| Core capital (leverage) ratio | 11.9199% | 2,012 |
| Tier 1 risk-based capital ratio | 20.6679% | 1,511 |
| Total risk-based capital ratio | 21.4701% | 1,550 |
| Memoranda: | ||
| Average total assets | $72,490,600 | 5,949 |
| Average earning assets | $67,845,200 | 5,902 |
| Average equity | $9,124,600 | 5,697 |
| Average total loans | $42,492,000 | 6,048 |