Home > Shell Lake State Bank > Performance and Condition Ratios
Shell Lake 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 | 4.0402% | 3,897 |
| Cost of funding earning assets | 1.2401% | 2,692 |
| Net interest margin | 2.8001% | 3,660 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.9545% | 3,724 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9546% | 2,349 |
| Return on assets (ROA) | 0.9878% | 2,239 |
| Pretax return on assets | 0.9948% | 2,701 |
| Return on Equity (ROE) | 11.1200% | 2,192 |
| Retained earnings to average equity (ytd only) | 1.4644% | 3,719 |
| Net charge-offs to loans | 0.0155% | 2,081 |
| Credit loss provision to net charge-offs | -120.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | 106.7333% | 873 |
| Efficiency ratio | 65.6290% | 2,395 |
| Assets per employee ($millions) | 7.2600% | 1,892 |
| Cash dividends to net income (ytd only)* | 86.8285% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 2,391 |
| Loan loss allowance to noncurrent loans | 1,079.4760% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 3,099 |
| Noncurrent loans to loans | 0.1096% | 2,984 |
| Net loans and leases to total assets | 63.1800% | 2,550 |
| Net loans and leases to deposits | 76.4403% | 2,409 |
| Net loans and leases to core deposits | 82.8171% | 2,538 |
| Total domestic deposits to total assets | 82.6600% | 2,969 |
| Equity capital to assets | 9.2369% | 2,518 |
| Core capital (leverage) ratio | 11.7393% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $312,813,600 | 2,355 |
| Average earning assets | $295,059,800 | 2,334 |
| Average equity | $27,793,200 | 2,372 |
| Average total loans | $193,145,000 | 2,339 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 3,977 |
| Cost of funding earning assets | 1.1034% | 2,731 |
| Net interest margin | 2.8132% | 3,707 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 1.8465% | 3,887 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0861% | 2,098 |
| Return on assets (ROA) | 1.1249% | 1,955 |
| Pretax return on assets | 1.1327% | 2,476 |
| Return on Equity (ROE) | 12.8000% | 1,943 |
| Retained earnings to average equity (ytd only) | 2.7306% | 3,575 |
| Net charge-offs to loans | 0.0014% | 2,553 |
| Credit loss provision to net charge-offs | -5,200.0000% | 4,625 |
| Earnings coverage of net charge-offs (x) | 1,336.0000% | 123 |
| Efficiency ratio | 61.5871% | 2,771 |
| Assets per employee ($millions) | 6.9452% | 1,991 |
| Cash dividends to net income (ytd only)* | 78.6590% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 2,461 |
| Loan loss allowance to noncurrent loans | 4,055.0000% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 3,645 |
| Noncurrent loans to loans | 0.0292% | 3,565 |
| Net loans and leases to total assets | 63.6600% | 2,483 |
| Net loans and leases to deposits | 75.8611% | 2,433 |
| Net loans and leases to core deposits | 81.7471% | 2,484 |
| Total domestic deposits to total assets | 83.9200% | 2,798 |
| Equity capital to assets | 7.6449% | 3,271 |
| Core capital (leverage) ratio | 11.9518% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $309,342,250 | 2,382 |
| Average earning assets | $292,049,250 | 2,352 |
| Average equity | $27,197,250 | 2,392 |
| Average total loans | $189,207,250 | 2,368 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7897% | 4,032 |
| Cost of funding earning assets | 0.9389% | 2,808 |
| Net interest margin | 2.8508% | 3,730 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.8682% | 3,880 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0902% | 2,148 |
| Return on assets (ROA) | 1.1459% | 1,979 |
| Pretax return on assets | 1.1531% | 2,497 |
| Return on Equity (ROE) | 12.4700% | 2,021 |
| Retained earnings to average equity (ytd only) | 3.4991% | 3,353 |
| Net charge-offs to loans | 0.0065% | 2,000 |
| Credit loss provision to net charge-offs | -2,616.6667% | 4,650 |
| Earnings coverage of net charge-offs (x) | 294.6667% | 455 |
| Efficiency ratio | 61.7812% | 2,741 |
| Assets per employee ($millions) | 6.9260% | 1,986 |
| Cash dividends to net income (ytd only)* | 71.9338% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 2,260 |
| Loan loss allowance to noncurrent loans | 8,482.1429% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 3,759 |
| Noncurrent loans to loans | 0.0146% | 3,671 |
| Net loans and leases to total assets | 60.9800% | 2,677 |
| Net loans and leases to deposits | 71.7796% | 2,663 |
| Net loans and leases to core deposits | 77.0041% | 2,686 |
| Total domestic deposits to total assets | 84.9500% | 2,551 |
| Equity capital to assets | 9.1282% | 2,424 |
| Core capital (leverage) ratio | 12.3905% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $305,962,667 | 2,405 |
| Average earning assets | $288,623,667 | 2,381 |
| Average equity | $28,121,667 | 2,348 |
| Average total loans | $183,670,000 | 2,405 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 3,995 |
| Cost of funding earning assets | 0.7874% | 2,779 |
| Net interest margin | 2.9313% | 3,736 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.7941% | 4,038 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.2103% | 1,903 |
| Return on assets (ROA) | 1.3083% | 1,617 |
| Pretax return on assets | 1.3202% | 2,118 |
| Return on Equity (ROE) | 14.1800% | 1,744 |
| Retained earnings to average equity (ytd only) | 8.1695% | 2,172 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.3512% | 3,153 |
| Assets per employee ($millions) | 7.2115% | 1,813 |
| Cash dividends to net income (ytd only)* | 42.3814% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 1,548 |
| Loan loss allowance to noncurrent loans | 8,332.2581% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 3,763 |
| Noncurrent loans to loans | 0.0170% | 3,674 |
| Net loans and leases to total assets | 59.2300% | 2,746 |
| Net loans and leases to deposits | 68.3739% | 2,739 |
| Net loans and leases to core deposits | 73.4400% | 2,724 |
| Total domestic deposits to total assets | 86.6200% | 2,405 |
| Equity capital to assets | 9.6156% | 2,053 |
| Core capital (leverage) ratio | 12.4792% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $302,995,000 | 2,452 |
| Average earning assets | $286,012,500 | 2,423 |
| Average equity | $27,957,500 | 2,390 |
| Average total loans | $179,292,500 | 2,459 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3079% | 3,573 |
| Cost of funding earning assets | 0.3368% | 2,577 |
| Net interest margin | 2.9711% | 3,522 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.9853% | 3,622 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1142% | 2,107 |
| Return on assets (ROA) | 1.1392% | 1,961 |
| Pretax return on assets | 1.1412% | 2,634 |
| Return on Equity (ROE) | 10.9100% | 2,505 |
| Retained earnings to average equity (ytd only) | 3.2377% | 3,650 |
| Net charge-offs to loans | 0.0063% | 2,185 |
| Credit loss provision to net charge-offs | 1,650.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 342.6000% | 445 |
| Efficiency ratio | 62.8658% | 2,648 |
| Assets per employee ($millions) | 6.7357% | 2,165 |
| Cash dividends to net income (ytd only)* | 70.3125% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 1,382 |
| Loan loss allowance to noncurrent loans | 12,085.7143% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,841 |
| Noncurrent loans to loans | 0.0119% | 3,751 |
| Net loans and leases to total assets | 57.4300% | 2,878 |
| Net loans and leases to deposits | 66.8241% | 2,831 |
| Net loans and leases to core deposits | 68.6220% | 2,970 |
| Total domestic deposits to total assets | 85.9400% | 2,747 |
| Equity capital to assets | 8.8388% | 2,462 |
| Core capital (leverage) ratio | 12.4553% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $292,144,800 | 2,491 |
| Average earning assets | $275,555,000 | 2,464 |
| Average equity | $30,515,200 | 2,315 |
| Average total loans | $158,714,000 | 2,548 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1984% | 3,441 |
| Cost of funding earning assets | 0.2824% | 2,359 |
| Net interest margin | 2.9160% | 3,446 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.8760% | 3,805 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1734% | 1,796 |
| Return on assets (ROA) | 1.2052% | 1,657 |
| Pretax return on assets | 1.2070% | 2,341 |
| Return on Equity (ROE) | 11.0900% | 2,344 |
| Retained earnings to average equity (ytd only) | 3.9050% | 3,473 |
| Net charge-offs to loans | 0.0043% | 2,040 |
| Credit loss provision to net charge-offs | 2,400.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 534.2000% | 297 |
| Efficiency ratio | 60.3886% | 3,068 |
| Assets per employee ($millions) | 6.5839% | 2,252 |
| Cash dividends to net income (ytd only)* | 64.7936% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 1,318 |
| Loan loss allowance to noncurrent loans | 1,395.5307% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 3,286 |
| Noncurrent loans to loans | 0.1068% | 3,119 |
| Net loans and leases to total assets | 55.7400% | 2,926 |
| Net loans and leases to deposits | 62.6327% | 2,976 |
| Net loans and leases to core deposits | 63.9806% | 3,120 |
| Total domestic deposits to total assets | 89.0000% | 2,090 |
| Equity capital to assets | 8.3659% | 2,627 |
| Core capital (leverage) ratio | 12.6500% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $289,404,000 | 2,519 |
| Average earning assets | $272,921,250 | 2,496 |
| Average equity | $31,446,250 | 2,301 |
| Average total loans | $154,240,000 | 2,593 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0668% | 3,388 |
| Cost of funding earning assets | 0.2578% | 2,165 |
| Net interest margin | 2.8090% | 3,426 |
| Noninterest income to average assets | 0.3427% | 3,100 |
| Noninterest expense to average assets | 1.8905% | 3,727 |
| Loan and lease loss provision to assets | 0.0522% | 1,645 |
| Net operating income to assets | 1.0470% | 1,987 |
| Return on assets (ROA) | 1.0950% | 1,774 |
| Pretax return on assets | 1.0971% | 2,421 |
| Return on Equity (ROE) | 9.3221% | 2,592 |
| Retained earnings to average equity (ytd only) | 1.5833% | 3,860 |
| Net charge-offs to loans | 0.0027% | 1,986 |
| Credit loss provision to net charge-offs | 3,750.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 790.5000% | 179 |
| Efficiency ratio | 63.1898% | 2,886 |
| Assets per employee ($millions) | 6.3744% | 2,412 |
| Cash dividends to net income (ytd only)* | 83.0153% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 1,150 |
| Loan loss allowance to noncurrent loans | 933.8403% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 3,077 |
| Noncurrent loans to loans | 0.1715% | 2,837 |
| Net loans and leases to total assets | 52.6080% | 3,102 |
| Net loans and leases to deposits | 60.3222% | 3,027 |
| Net loans and leases to core deposits | 61.5125% | 3,157 |
| Total domestic deposits to total assets | 87.2117% | 2,865 |
| Equity capital to assets | 10.0517% | 1,688 |
| Core capital (leverage) ratio | 13.0653% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,114,000 | 2,548 |
| Average earning assets | $270,771,000 | 2,535 |
| Average equity | $33,726,333 | 2,245 |
| Average total loans | $149,770,667 | 2,644 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9929% | 3,275 |
| Cost of funding earning assets | 0.2469% | 2,191 |
| Net interest margin | 2.7460% | 3,293 |
| Noninterest income to average assets | 0.3356% | 3,087 |
| Noninterest expense to average assets | 1.8437% | 3,826 |
| Loan and lease loss provision to assets | 0.0418% | 1,604 |
| Net operating income to assets | 1.0333% | 1,747 |
| Return on assets (ROA) | 1.1363% | 1,412 |
| Pretax return on assets | 1.1391% | 2,019 |
| Return on Equity (ROE) | 9.0233% | 2,313 |
| Retained earnings to average equity (ytd only) | 4.7660% | 2,676 |
| Net charge-offs to loans | 0.0054% | 1,562 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 387.0000% | 260 |
| Efficiency ratio | 63.1077% | 3,132 |
| Assets per employee ($millions) | 6.5116% | 2,372 |
| Cash dividends to net income (ytd only)* | 47.1814% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 1,295 |
| Loan loss allowance to noncurrent loans | 785.3420% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 3,059 |
| Noncurrent loans to loans | 0.2027% | 2,808 |
| Net loans and leases to total assets | 52.0142% | 2,987 |
| Net loans and leases to deposits | 61.8729% | 2,723 |
| Net loans and leases to core deposits | 63.3578% | 2,853 |
| Total domestic deposits to total assets | 84.0663% | 3,754 |
| Equity capital to assets | 11.5758% | 1,102 |
| Core capital (leverage) ratio | 13.1328% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,247,000 | 2,566 |
| Average earning assets | $270,502,500 | 2,554 |
| Average equity | $36,173,000 | 2,208 |
| Average total loans | $147,975,500 | 2,657 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2482% | 3,348 |
| Cost of funding earning assets | 0.2996% | 2,408 |
| Net interest margin | 2.9486% | 3,328 |
| Noninterest income to average assets | 0.4248% | 2,926 |
| Noninterest expense to average assets | 2.0142% | 3,637 |
| Loan and lease loss provision to assets | 0.0441% | 2,174 |
| Net operating income to assets | 1.0730% | 2,397 |
| Return on assets (ROA) | 1.1193% | 2,277 |
| Pretax return on assets | 1.1204% | 2,904 |
| Return on Equity (ROE) | 7.6490% | 3,333 |
| Retained earnings to average equity (ytd only) | 3.9389% | 3,241 |
| Net charge-offs to loans | 0.0401% | 1,454 |
| Credit loss provision to net charge-offs | 230.7692% | 1,218 |
| Earnings coverage of net charge-offs (x) | 58.4615% | 1,197 |
| Efficiency ratio | 64.3025% | 2,511 |
| Assets per employee ($millions) | 6.3996% | 2,412 |
| Cash dividends to net income (ytd only)* | 48.5048% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 1,157 |
| Loan loss allowance to noncurrent loans | 920.0772% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 3,309 |
| Noncurrent loans to loans | 0.1792% | 3,046 |
| Net loans and leases to total assets | 49.3538% | 3,368 |
| Net loans and leases to deposits | 60.0876% | 3,063 |
| Net loans and leases to core deposits | 61.7581% | 3,188 |
| Total domestic deposits to total assets | 82.1364% | 3,941 |
| Equity capital to assets | 13.6050% | 738 |
| Core capital (leverage) ratio | 13.2434% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,863,000 | 2,587 |
| Average earning assets | $249,645,200 | 2,617 |
| Average equity | $39,782,800 | 2,088 |
| Average total loans | $129,524,400 | 2,860 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3203% | 3,335 |
| Cost of funding earning assets | 0.3095% | 2,502 |
| Net interest margin | 3.0108% | 3,274 |
| Noninterest income to average assets | 0.4391% | 2,889 |
| Noninterest expense to average assets | 1.9265% | 3,876 |
| Loan and lease loss provision to assets | 0.0224% | 2,546 |
| Net operating income to assets | 1.2400% | 2,021 |
| Return on assets (ROA) | 1.2998% | 1,889 |
| Pretax return on assets | 1.3008% | 2,622 |
| Return on Equity (ROE) | 8.7176% | 3,196 |
| Retained earnings to average equity (ytd only) | 6.5107% | 2,615 |
| Net charge-offs to loans | 0.0551% | 1,102 |
| Credit loss provision to net charge-offs | 86.5385% | 1,682 |
| Earnings coverage of net charge-offs (x) | 48.8077% | 1,256 |
| Efficiency ratio | 60.3933% | 2,930 |
| Assets per employee ($millions) | 6.0817% | 2,608 |
| Cash dividends to net income (ytd only)* | 25.3160% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 1,163 |
| Loan loss allowance to noncurrent loans | 278.4077% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 2,321 |
| Noncurrent loans to loans | 0.6016% | 1,803 |
| Net loans and leases to total assets | 47.4045% | 3,682 |
| Net loans and leases to deposits | 58.2040% | 3,390 |
| Net loans and leases to core deposits | 60.3276% | 3,450 |
| Total domestic deposits to total assets | 81.4454% | 4,023 |
| Equity capital to assets | 14.1468% | 700 |
| Core capital (leverage) ratio | 13.6375% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,833,250 | 2,637 |
| Average earning assets | $244,713,750 | 2,668 |
| Average equity | $39,933,500 | 2,111 |
| Average total loans | $125,777,250 | 2,939 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4993% | 2,893 |
| Cost of funding earning assets | 0.3167% | 2,626 |
| Net interest margin | 3.1826% | 2,804 |
| Noninterest income to average assets | 0.4476% | 2,858 |
| Noninterest expense to average assets | 1.8936% | 3,981 |
| Loan and lease loss provision to assets | 0.0229% | 2,515 |
| Net operating income to assets | 1.4322% | 1,477 |
| Return on assets (ROA) | 1.5437% | 1,245 |
| Pretax return on assets | 1.5445% | 1,888 |
| Return on Equity (ROE) | 10.1645% | 2,692 |
| Retained earnings to average equity (ytd only) | 7.4537% | 2,274 |
| Net charge-offs to loans | 0.0854% | 827 |
| Credit loss provision to net charge-offs | 57.6923% | 1,571 |
| Earnings coverage of net charge-offs (x) | 36.6538% | 1,209 |
| Efficiency ratio | 56.5336% | 3,468 |
| Assets per employee ($millions) | 6.2434% | 2,396 |
| Cash dividends to net income (ytd only)* | 26.6700% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 925 |
| Loan loss allowance to noncurrent loans | 804.5614% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 3,530 |
| Noncurrent loans to loans | 0.2204% | 3,165 |
| Net loans and leases to total assets | 46.2275% | 3,888 |
| Net loans and leases to deposits | 57.2343% | 3,619 |
| Net loans and leases to core deposits | 59.4238% | 3,663 |
| Total domestic deposits to total assets | 80.7687% | 4,116 |
| Equity capital to assets | 14.6490% | 592 |
| Core capital (leverage) ratio | 14.2709% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,831,667 | 2,666 |
| Average earning assets | $238,736,667 | 2,701 |
| Average equity | $39,765,667 | 2,108 |
| Average total loans | $121,767,000 | 2,993 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1490% | 3,782 |
| Cost of funding earning assets | 0.3268% | 2,735 |
| Net interest margin | 2.8222% | 3,709 |
| Noninterest income to average assets | 0.3195% | 3,493 |
| Noninterest expense to average assets | 1.9280% | 3,919 |
| Loan and lease loss provision to assets | 0.0235% | 2,473 |
| Net operating income to assets | 0.9366% | 3,022 |
| Return on assets (ROA) | 1.1512% | 2,400 |
| Pretax return on assets | 1.1527% | 2,980 |
| Return on Equity (ROE) | 7.4379% | 3,487 |
| Retained earnings to average equity (ytd only) | 5.7783% | 2,973 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7209% | 2,119 |
| Assets per employee ($millions) | 6.2750% | 2,346 |
| Cash dividends to net income (ytd only)* | 22.3129% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 655 |
| Loan loss allowance to noncurrent loans | 470.7071% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 3,224 |
| Noncurrent loans to loans | 0.4151% | 2,611 |
| Net loans and leases to total assets | 44.3591% | 4,093 |
| Net loans and leases to deposits | 54.8861% | 3,878 |
| Net loans and leases to core deposits | 56.8815% | 3,919 |
| Total domestic deposits to total assets | 80.8203% | 4,094 |
| Equity capital to assets | 14.9319% | 506 |
| Core capital (leverage) ratio | 14.3232% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,393,000 | 2,702 |
| Average earning assets | $232,581,500 | 2,724 |
| Average equity | $39,527,500 | 2,107 |
| Average total loans | $118,008,500 | 3,031 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 3,284 |
| Cost of funding earning assets | 0.4841% | 3,050 |
| Net interest margin | 3.3221% | 3,015 |
| Noninterest income to average assets | 0.3583% | 3,321 |
| Noninterest expense to average assets | 2.0894% | 3,953 |
| Loan and lease loss provision to assets | 0.1306% | 2,727 |
| Net operating income to assets | 1.2299% | 1,446 |
| Return on assets (ROA) | 1.2587% | 1,468 |
| Pretax return on assets | 1.2622% | 2,109 |
| Return on Equity (ROE) | 7.4804% | 3,005 |
| Retained earnings to average equity (ytd only) | 2.6548% | 3,523 |
| Net charge-offs to loans | 0.0017% | 3,351 |
| Credit loss provision to net charge-offs | 15,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 1,566.5000% | 73 |
| Efficiency ratio | 60.5018% | 3,383 |
| Assets per employee ($millions) | 5.8866% | 2,448 |
| Cash dividends to net income (ytd only)* | 64.5105% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9824% | 613 |
| Loan loss allowance to noncurrent loans | 458.4158% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 3,266 |
| Noncurrent loans to loans | 0.4324% | 2,679 |
| Net loans and leases to total assets | 46.2973% | 4,110 |
| Net loans and leases to deposits | 58.2550% | 3,879 |
| Net loans and leases to core deposits | 59.9630% | 3,945 |
| Total domestic deposits to total assets | 79.4735% | 4,144 |
| Equity capital to assets | 16.0583% | 422 |
| Core capital (leverage) ratio | 14.8285% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,684,600 | 2,719 |
| Average earning assets | $213,989,000 | 2,717 |
| Average equity | $38,647,600 | 2,073 |
| Average total loans | $120,185,400 | 2,981 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8566% | 3,394 |
| Cost of funding earning assets | 0.5139% | 3,144 |
| Net interest margin | 3.3427% | 3,065 |
| Noninterest income to average assets | 0.3622% | 3,293 |
| Noninterest expense to average assets | 1.9701% | 4,211 |
| Loan and lease loss provision to assets | 0.0799% | 3,316 |
| Net operating income to assets | 1.4458% | 1,006 |
| Return on assets (ROA) | 1.4825% | 1,021 |
| Pretax return on assets | 1.4860% | 1,474 |
| Return on Equity (ROE) | 8.7013% | 2,524 |
| Retained earnings to average equity (ytd only) | 4.5191% | 2,788 |
| Net charge-offs to loans | -0.0011% | 3,822 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2997% | 3,879 |
| Assets per employee ($millions) | 6.0249% | 2,242 |
| Cash dividends to net income (ytd only)* | 48.0639% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 887 |
| Loan loss allowance to noncurrent loans | 432.3293% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 3,402 |
| Noncurrent loans to loans | 0.3946% | 2,876 |
| Net loans and leases to total assets | 51.4691% | 3,996 |
| Net loans and leases to deposits | 65.3026% | 3,673 |
| Net loans and leases to core deposits | 67.6995% | 3,773 |
| Total domestic deposits to total assets | 78.8163% | 4,082 |
| Equity capital to assets | 16.5330% | 409 |
| Core capital (leverage) ratio | 15.2874% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,296,500 | 2,734 |
| Average earning assets | $211,440,500 | 2,715 |
| Average equity | $38,384,000 | 2,079 |
| Average total loans | $121,037,000 | 2,984 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9801% | 3,378 |
| Cost of funding earning assets | 0.5630% | 3,167 |
| Net interest margin | 3.4171% | 3,046 |
| Noninterest income to average assets | 0.3454% | 3,406 |
| Noninterest expense to average assets | 1.9658% | 4,298 |
| Loan and lease loss provision to assets | 0.0818% | 3,262 |
| Net operating income to assets | 1.4932% | 936 |
| Return on assets (ROA) | 1.5496% | 921 |
| Pretax return on assets | 1.5532% | 1,334 |
| Return on Equity (ROE) | 8.9980% | 2,361 |
| Retained earnings to average equity (ytd only) | 4.2114% | 2,815 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4615% | 4,009 |
| Assets per employee ($millions) | 5.8377% | 2,335 |
| Cash dividends to net income (ytd only)* | 53.1965% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 755 |
| Loan loss allowance to noncurrent loans | 442.6471% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 3,517 |
| Noncurrent loans to loans | 0.3925% | 2,994 |
| Net loans and leases to total assets | 51.0391% | 4,095 |
| Net loans and leases to deposits | 65.0232% | 3,805 |
| Net loans and leases to core deposits | 67.3240% | 3,901 |
| Total domestic deposits to total assets | 78.4938% | 4,115 |
| Equity capital to assets | 16.6991% | 401 |
| Core capital (leverage) ratio | 16.0956% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,063,000 | 2,754 |
| Average earning assets | $206,023,000 | 2,739 |
| Average equity | $37,897,333 | 2,086 |
| Average total loans | $119,318,667 | 2,991 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9308% | 3,974 |
| Cost of funding earning assets | 0.6394% | 3,230 |
| Net interest margin | 3.2914% | 3,611 |
| Noninterest income to average assets | 0.3787% | 3,241 |
| Noninterest expense to average assets | 2.1524% | 4,110 |
| Loan and lease loss provision to assets | 0.0844% | 2,637 |
| Net operating income to assets | 1.2075% | 1,491 |
| Return on assets (ROA) | 1.4100% | 1,037 |
| Pretax return on assets | 1.4137% | 1,517 |
| Return on Equity (ROE) | 8.0538% | 2,498 |
| Retained earnings to average equity (ytd only) | 2.4740% | 3,275 |
| Net charge-offs to loans | -0.0034% | 3,749 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4252% | 3,447 |
| Assets per employee ($millions) | 5.4733% | 2,148 |
| Cash dividends to net income (ytd only)* | 69.2819% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 783 |
| Loan loss allowance to noncurrent loans | 416.7677% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 3,535 |
| Noncurrent loans to loans | 0.4202% | 2,988 |
| Net loans and leases to total assets | 54.2198% | 3,967 |
| Net loans and leases to deposits | 69.3100% | 3,643 |
| Net loans and leases to core deposits | 72.2348% | 3,748 |
| Total domestic deposits to total assets | 78.2279% | 4,180 |
| Equity capital to assets | 17.7455% | 378 |
| Core capital (leverage) ratio | 16.5966% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,340,000 | 2,765 |
| Average earning assets | $198,940,000 | 2,750 |
| Average equity | $37,349,000 | 2,101 |
| Average total loans | $118,334,000 | 2,975 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 4,351 |
| Cost of funding earning assets | 0.7086% | 3,124 |
| Net interest margin | 3.2409% | 4,106 |
| Noninterest income to average assets | 0.4380% | 3,065 |
| Noninterest expense to average assets | 2.2635% | 4,037 |
| Loan and lease loss provision to assets | 0.1158% | 1,822 |
| Net operating income to assets | 1.0879% | 2,488 |
| Return on assets (ROA) | 1.4091% | 1,394 |
| Pretax return on assets | 1.4124% | 2,111 |
| Return on Equity (ROE) | 8.5573% | 2,921 |
| Retained earnings to average equity (ytd only) | 3.7105% | 3,139 |
| Net charge-offs to loans | -0.1478% | 5,017 |
| Credit loss provision to net charge-offs | -152.4691% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2209% | 2,889 |
| Assets per employee ($millions) | 5.6111% | 1,963 |
| Cash dividends to net income (ytd only)* | 56.6389% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 805 |
| Loan loss allowance to noncurrent loans | 262.9726% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 2,963 |
| Noncurrent loans to loans | 0.6452% | 2,275 |
| Net loans and leases to total assets | 54.8027% | 4,021 |
| Net loans and leases to deposits | 68.5872% | 3,769 |
| Net loans and leases to core deposits | 72.3824% | 3,835 |
| Total domestic deposits to total assets | 79.9023% | 3,999 |
| Equity capital to assets | 17.2678% | 436 |
| Core capital (leverage) ratio | 16.7145% | 446 |
| Tier 1 risk-based capital ratio | 29.7164% | 485 |
| Total risk-based capital ratio | 30.9719% | 477 |
| Memoranda: | ||
| Average total assets | $213,254,800 | 2,725 |
| Average earning assets | $199,542,000 | 2,714 |
| Average equity | $35,116,400 | 2,130 |
| Average total loans | $109,588,600 | 3,098 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 4,531 |
| Cost of funding earning assets | 0.7200% | 3,110 |
| Net interest margin | 3.1864% | 4,329 |
| Noninterest income to average assets | 0.4514% | 3,009 |
| Noninterest expense to average assets | 2.1938% | 4,191 |
| Loan and lease loss provision to assets | 0.1263% | 1,537 |
| Net operating income to assets | 1.1128% | 2,526 |
| Return on assets (ROA) | 1.5411% | 1,139 |
| Pretax return on assets | 1.5448% | 1,827 |
| Return on Equity (ROE) | 9.4739% | 2,685 |
| Retained earnings to average equity (ytd only) | 5.3615% | 2,698 |
| Net charge-offs to loans | -0.0037% | 4,142 |
| Credit loss provision to net charge-offs | -6,733.3333% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8348% | 3,037 |
| Assets per employee ($millions) | 5.6214% | 1,911 |
| Cash dividends to net income (ytd only)* | 43.4077% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 1,051 |
| Loan loss allowance to noncurrent loans | 261.9942% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 3,173 |
| Noncurrent loans to loans | 0.6004% | 2,481 |
| Net loans and leases to total assets | 53.1058% | 4,247 |
| Net loans and leases to deposits | 65.0504% | 4,122 |
| Net loans and leases to core deposits | 69.0970% | 4,097 |
| Total domestic deposits to total assets | 81.6380% | 3,577 |
| Equity capital to assets | 17.3359% | 459 |
| Core capital (leverage) ratio | 16.5790% | 490 |
| Tier 1 risk-based capital ratio | 30.1698% | 478 |
| Total risk-based capital ratio | 31.4233% | 469 |
| Memoranda: | ||
| Average total assets | $213,262,750 | 2,740 |
| Average earning assets | $199,800,000 | 2,735 |
| Average equity | $34,690,750 | 2,166 |
| Average total loans | $107,268,500 | 3,163 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 4,616 |
| Cost of funding earning assets | 0.7210% | 3,042 |
| Net interest margin | 3.1434% | 4,466 |
| Noninterest income to average assets | 0.4588% | 2,917 |
| Noninterest expense to average assets | 2.1966% | 4,231 |
| Loan and lease loss provision to assets | 0.0563% | 2,697 |
| Net operating income to assets | 1.1476% | 2,335 |
| Return on assets (ROA) | 1.1757% | 2,314 |
| Pretax return on assets | 1.1795% | 2,976 |
| Return on Equity (ROE) | 7.3901% | 3,535 |
| Retained earnings to average equity (ytd only) | 2.7425% | 3,832 |
| Net charge-offs to loans | -0.0153% | 4,457 |
| Credit loss provision to net charge-offs | -750.0000% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5259% | 3,051 |
| Assets per employee ($millions) | 5.7720% | 1,720 |
| Cash dividends to net income (ytd only)* | 62.8891% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 1,167 |
| Loan loss allowance to noncurrent loans | 166.1051% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 2,599 |
| Noncurrent loans to loans | 0.9252% | 1,766 |
| Net loans and leases to total assets | 50.2831% | 4,456 |
| Net loans and leases to deposits | 60.9058% | 4,384 |
| Net loans and leases to core deposits | 68.1829% | 4,194 |
| Total domestic deposits to total assets | 82.5588% | 3,351 |
| Equity capital to assets | 16.5122% | 532 |
| Core capital (leverage) ratio | 16.2350% | 520 |
| Tier 1 risk-based capital ratio | 29.8776% | 485 |
| Total risk-based capital ratio | 31.1299% | 480 |
| Memoranda: | ||
| Average total assets | $213,145,330 | 2,752 |
| Average earning assets | $199,721,330 | 2,744 |
| Average equity | $33,910,330 | 2,202 |
| Average total loans | $104,606,330 | 3,213 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 4,633 |
| Cost of funding earning assets | 0.6944% | 3,089 |
| Net interest margin | 3.1510% | 4,496 |
| Noninterest income to average assets | 0.5372% | 2,354 |
| Noninterest expense to average assets | 2.1509% | 4,371 |
| Loan and lease loss provision to assets | 0.0564% | 2,542 |
| Net operating income to assets | 1.2755% | 1,795 |
| Return on assets (ROA) | 1.2755% | 1,841 |
| Pretax return on assets | 1.2793% | 2,535 |
| Return on Equity (ROE) | 8.1725% | 3,183 |
| Retained earnings to average equity (ytd only) | 3.0451% | 3,717 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6918% | 3,581 |
| Assets per employee ($millions) | 5.4453% | 2,038 |
| Cash dividends to net income (ytd only)* | 62.7393% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 1,153 |
| Loan loss allowance to noncurrent loans | 180.7947% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 2,762 |
| Noncurrent loans to loans | 0.8620% | 1,915 |
| Net loans and leases to total assets | 48.7215% | 4,543 |
| Net loans and leases to deposits | 58.6440% | 4,472 |
| Net loans and leases to core deposits | 66.9982% | 4,233 |
| Total domestic deposits to total assets | 83.0802% | 3,353 |
| Equity capital to assets | 16.0638% | 560 |
| Core capital (leverage) ratio | 16.1832% | 510 |
| Tier 1 risk-based capital ratio | 30.0221% | 478 |
| Total risk-based capital ratio | 31.2742% | 466 |
| Memoranda: | ||
| Average total assets | $212,936,500 | 2,782 |
| Average earning assets | $199,303,500 | 2,770 |
| Average equity | $33,233,500 | 2,240 |
| Average total loans | $102,378,500 | 3,284 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8571% | 4,373 |
| Cost of funding earning assets | 0.4751% | 3,512 |
| Net interest margin | 3.3819% | 4,045 |
| Noninterest income to average assets | 0.3217% | 3,949 |
| Noninterest expense to average assets | 2.0154% | 4,725 |
| Loan and lease loss provision to assets | 0.0663% | 2,828 |
| Net operating income to assets | 1.3988% | 1,437 |
| Return on assets (ROA) | 1.3839% | 1,477 |
| Pretax return on assets | 1.3868% | 2,186 |
| Return on Equity (ROE) | 8.9782% | 3,008 |
| Retained earnings to average equity (ytd only) | 4.0686% | 3,323 |
| Net charge-offs to loans | -0.0218% | 4,725 |
| Credit loss provision to net charge-offs | -690.0000% | 4,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8577% | 4,179 |
| Assets per employee ($millions) | 5.6186% | 1,846 |
| Cash dividends to net income (ytd only)* | 54.6842% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 998 |
| Loan loss allowance to noncurrent loans | 241.8045% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 3,249 |
| Noncurrent loans to loans | 0.6673% | 2,325 |
| Net loans and leases to total assets | 45.9203% | 4,741 |
| Net loans and leases to deposits | 54.6654% | 4,721 |
| Net loans and leases to core deposits | 56.6415% | 4,759 |
| Total domestic deposits to total assets | 84.0024% | 2,996 |
| Equity capital to assets | 15.1531% | 679 |
| Core capital (leverage) ratio | 15.7173% | 566 |
| Tier 1 risk-based capital ratio | 30.8905% | 429 |
| Total risk-based capital ratio | 32.1430% | 428 |
| Memoranda: | ||
| Average total assets | $208,245,000 | 2,785 |
| Average earning assets | $194,680,800 | 2,765 |
| Average equity | $32,099,800 | 2,210 |
| Average total loans | $91,897,800 | 3,440 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8207% | 4,391 |
| Cost of funding earning assets | 0.4379% | 3,612 |
| Net interest margin | 3.3828% | 4,055 |
| Noninterest income to average assets | 0.3537% | 3,765 |
| Noninterest expense to average assets | 1.9665% | 4,800 |
| Loan and lease loss provision to assets | 0.0670% | 2,640 |
| Net operating income to assets | 1.4845% | 1,239 |
| Return on assets (ROA) | 1.4897% | 1,220 |
| Pretax return on assets | 1.4910% | 1,930 |
| Return on Equity (ROE) | 9.6221% | 2,789 |
| Retained earnings to average equity (ytd only) | 5.7183% | 2,817 |
| Net charge-offs to loans | 0.0296% | 2,497 |
| Credit loss provision to net charge-offs | 520.0000% | 673 |
| Earnings coverage of net charge-offs (x) | 120.4818% | 654 |
| Efficiency ratio | 55.8770% | 4,405 |
| Assets per employee ($millions) | 5.6377% | 1,788 |
| Cash dividends to net income (ytd only)* | 40.5711% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 999 |
| Loan loss allowance to noncurrent loans | 211.2948% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 3,261 |
| Noncurrent loans to loans | 0.7736% | 2,153 |
| Net loans and leases to total assets | 43.0889% | 4,914 |
| Net loans and leases to deposits | 51.6706% | 4,894 |
| Net loans and leases to core deposits | 52.3367% | 4,959 |
| Total domestic deposits to total assets | 83.3915% | 3,167 |
| Equity capital to assets | 14.6737% | 793 |
| Core capital (leverage) ratio | 15.1332% | 672 |
| Tier 1 risk-based capital ratio | 31.8470% | 403 |
| Total risk-based capital ratio | 33.0992% | 400 |
| Memoranda: | ||
| Average total assets | $206,929,500 | 2,821 |
| Average earning assets | $193,643,250 | 2,799 |
| Average equity | $32,036,500 | 2,218 |
| Average total loans | $89,959,500 | 3,508 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7538% | 4,465 |
| Cost of funding earning assets | 0.3949% | 3,761 |
| Net interest margin | 3.3589% | 4,077 |
| Noninterest income to average assets | 0.3482% | 3,842 |
| Noninterest expense to average assets | 1.9375% | 4,907 |
| Loan and lease loss provision to assets | 0.0675% | 2,534 |
| Net operating income to assets | 1.4797% | 1,200 |
| Return on assets (ROA) | 1.4797% | 1,201 |
| Pretax return on assets | 1.4797% | 1,891 |
| Return on Equity (ROE) | 9.3868% | 2,858 |
| Retained earnings to average equity (ytd only) | 4.6469% | 3,264 |
| Net charge-offs to loans | -0.0045% | 4,077 |
| Credit loss provision to net charge-offs | -3,450.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5992% | 4,530 |
| Assets per employee ($millions) | 5.6078% | 1,797 |
| Cash dividends to net income (ytd only)* | 50.4957% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 945 |
| Loan loss allowance to noncurrent loans | 311.6803% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 3,860 |
| Noncurrent loans to loans | 0.5375% | 2,806 |
| Net loans and leases to total assets | 41.8934% | 4,990 |
| Net loans and leases to deposits | 49.7842% | 4,988 |
| Net loans and leases to core deposits | 50.3219% | 5,038 |
| Total domestic deposits to total assets | 84.1500% | 3,007 |
| Equity capital to assets | 14.9710% | 691 |
| Core capital (leverage) ratio | 16.1011% | 478 |
| Tier 1 risk-based capital ratio | 31.9150% | 413 |
| Total risk-based capital ratio | 33.1666% | 407 |
| Memoranda: | ||
| Average total assets | $204,494,670 | 2,861 |
| Average earning assets | $190,955,670 | 2,842 |
| Average equity | $32,236,670 | 2,215 |
| Average total loans | $88,664,330 | 3,552 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7774% | 4,287 |
| Cost of funding earning assets | 0.3807% | 3,728 |
| Net interest margin | 3.3967% | 3,894 |
| Noninterest income to average assets | 0.3017% | 4,142 |
| Noninterest expense to average assets | 2.0021% | 4,846 |
| Loan and lease loss provision to assets | 0.0699% | 2,363 |
| Net operating income to assets | 1.4026% | 1,334 |
| Return on assets (ROA) | 1.4026% | 1,339 |
| Pretax return on assets | 1.4026% | 1,987 |
| Return on Equity (ROE) | 8.6657% | 3,079 |
| Retained earnings to average equity (ytd only) | 5.3328% | 3,023 |
| Net charge-offs to loans | -0.0502% | 4,964 |
| Credit loss provision to net charge-offs | -318.1818% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6193% | 4,395 |
| Assets per employee ($millions) | 5.6400% | 1,811 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 923 |
| Loan loss allowance to noncurrent loans | 536.2007% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 4,401 |
| Noncurrent loans to loans | 0.3193% | 3,621 |
| Net loans and leases to total assets | 42.2934% | 4,968 |
| Net loans and leases to deposits | 50.7113% | 4,934 |
| Net loans and leases to core deposits | 51.6002% | 4,993 |
| Total domestic deposits to total assets | 83.4002% | 3,544 |
| Equity capital to assets | 15.7384% | 530 |
| Core capital (leverage) ratio | 16.3281% | 450 |
| Tier 1 risk-based capital ratio | 32.8010% | 382 |
| Total risk-based capital ratio | 34.0532% | 375 |
| Memoranda: | ||
| Average total assets | $200,193,000 | 2,930 |
| Average earning assets | $187,005,000 | 2,922 |
| Average equity | $32,403,500 | 2,212 |
| Average total loans | $87,599,000 | 3,594 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8234% | 3,966 |
| Cost of funding earning assets | 0.3648% | 3,568 |
| Net interest margin | 3.4587% | 3,660 |
| Noninterest income to average assets | 0.4305% | 3,434 |
| Noninterest expense to average assets | 2.0962% | 4,775 |
| Loan and lease loss provision to assets | 0.1255% | 1,822 |
| Net operating income to assets | 1.4381% | 927 |
| Return on assets (ROA) | 1.4307% | 963 |
| Pretax return on assets | 1.4307% | 1,881 |
| Return on Equity (ROE) | 8.3424% | 2,630 |
| Retained earnings to average equity (ytd only) | 4.0995% | 2,707 |
| Net charge-offs to loans | -0.0118% | 4,828 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2756% | 4,616 |
| Assets per employee ($millions) | 5.6385% | 1,804 |
| Cash dividends to net income (ytd only)* | 50.8592% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 1,033 |
| Loan loss allowance to noncurrent loans | 743.5897% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,506 |
| Noncurrent loans to loans | 0.2220% | 4,020 |
| Net loans and leases to total assets | 43.7706% | 4,987 |
| Net loans and leases to deposits | 53.1262% | 4,926 |
| Net loans and leases to core deposits | 54.3083% | 4,993 |
| Total domestic deposits to total assets | 82.3899% | 3,759 |
| Equity capital to assets | 16.6468% | 434 |
| Core capital (leverage) ratio | 16.6033% | 404 |
| Tier 1 risk-based capital ratio | 32.8014% | 378 |
| Total risk-based capital ratio | 34.0530% | 368 |
| Memoranda: | ||
| Average total assets | $191,159,000 | 3,005 |
| Average earning assets | $178,477,800 | 2,977 |
| Average equity | $32,784,200 | 2,182 |
| Average total loans | $84,984,600 | 3,638 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8271% | 3,910 |
| Cost of funding earning assets | 0.3611% | 3,552 |
| Net interest margin | 3.4659% | 3,622 |
| Noninterest income to average assets | 0.4592% | 3,279 |
| Noninterest expense to average assets | 2.0223% | 4,906 |
| Loan and lease loss provision to assets | 0.1266% | 1,711 |
| Net operating income to assets | 1.5498% | 804 |
| Return on assets (ROA) | 1.5400% | 842 |
| Pretax return on assets | 1.5400% | 1,621 |
| Return on Equity (ROE) | 8.9111% | 2,657 |
| Retained earnings to average equity (ytd only) | 5.7332% | 2,411 |
| Net charge-offs to loans | -0.0127% | 4,708 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6768% | 4,884 |
| Assets per employee ($millions) | 5.5787% | 1,847 |
| Cash dividends to net income (ytd only)* | 35.6622% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5959% | 1,252 |
| Loan loss allowance to noncurrent loans | 472.1088% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 4,359 |
| Noncurrent loans to loans | 0.3380% | 3,737 |
| Net loans and leases to total assets | 43.8316% | 5,037 |
| Net loans and leases to deposits | 53.8468% | 4,971 |
| Net loans and leases to core deposits | 54.9956% | 5,040 |
| Total domestic deposits to total assets | 81.4006% | 3,946 |
| Equity capital to assets | 17.1474% | 412 |
| Core capital (leverage) ratio | 16.7481% | 403 |
| Tier 1 risk-based capital ratio | 33.0394% | 379 |
| Total risk-based capital ratio | 34.2905% | 369 |
| Memoranda: | ||
| Average total assets | $189,612,000 | 3,050 |
| Average earning assets | $177,225,250 | 3,017 |
| Average equity | $32,767,250 | 2,196 |
| Average total loans | $84,273,250 | 3,680 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 3,817 |
| Cost of funding earning assets | 0.3524% | 3,555 |
| Net interest margin | 3.4697% | 3,507 |
| Noninterest income to average assets | 0.4773% | 3,167 |
| Noninterest expense to average assets | 2.0188% | 4,933 |
| Loan and lease loss provision to assets | 0.1278% | 1,626 |
| Net operating income to assets | 1.5714% | 752 |
| Return on assets (ROA) | 1.5565% | 798 |
| Pretax return on assets | 1.5565% | 1,472 |
| Return on Equity (ROE) | 8.9827% | 2,518 |
| Retained earnings to average equity (ytd only) | 5.3798% | 2,477 |
| Net charge-offs to loans | -0.0120% | 4,598 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2980% | 4,995 |
| Assets per employee ($millions) | 5.2856% | 2,074 |
| Cash dividends to net income (ytd only)* | 40.1095% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 1,406 |
| Loan loss allowance to noncurrent loans | 573.5931% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 4,475 |
| Noncurrent loans to loans | 0.2697% | 4,076 |
| Net loans and leases to total assets | 44.3150% | 5,025 |
| Net loans and leases to deposits | 55.1437% | 4,900 |
| Net loans and leases to core deposits | 56.3434% | 4,980 |
| Total domestic deposits to total assets | 80.3627% | 4,330 |
| Equity capital to assets | 17.4405% | 367 |
| Core capital (leverage) ratio | 17.0279% | 368 |
| Tier 1 risk-based capital ratio | 32.9484% | 368 |
| Total risk-based capital ratio | 34.1994% | 361 |
| Memoranda: | ||
| Average total assets | $187,731,330 | 3,084 |
| Average earning assets | $175,345,670 | 3,043 |
| Average equity | $32,529,330 | 2,203 |
| Average total loans | $83,374,000 | 3,709 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 3,871 |
| Cost of funding earning assets | 0.3467% | 3,569 |
| Net interest margin | 3.4230% | 3,557 |
| Noninterest income to average assets | 0.5320% | 2,758 |
| Noninterest expense to average assets | 2.0938% | 4,866 |
| Loan and lease loss provision to assets | 0.1287% | 1,491 |
| Net operating income to assets | 1.5081% | 794 |
| Return on assets (ROA) | 1.5210% | 804 |
| Pretax return on assets | 1.5210% | 1,469 |
| Return on Equity (ROE) | 8.8072% | 2,509 |
| Retained earnings to average equity (ytd only) | 6.3228% | 2,176 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1242% | 4,928 |
| Assets per employee ($millions) | 5.1102% | 2,291 |
| Cash dividends to net income (ytd only)* | 28.2087% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 1,571 |
| Loan loss allowance to noncurrent loans | 454.8736% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 4,357 |
| Noncurrent loans to loans | 0.3370% | 3,893 |
| Net loans and leases to total assets | 42.8024% | 5,118 |
| Net loans and leases to deposits | 52.2956% | 5,022 |
| Net loans and leases to core deposits | 53.1840% | 5,096 |
| Total domestic deposits to total assets | 81.8470% | 4,209 |
| Equity capital to assets | 17.1846% | 368 |
| Core capital (leverage) ratio | 17.1186% | 356 |
| Tier 1 risk-based capital ratio | 33.7670% | 360 |
| Total risk-based capital ratio | 35.0172% | 354 |
| Memoranda: | ||
| Average total assets | $186,456,500 | 3,125 |
| Average earning assets | $174,231,500 | 3,085 |
| Average equity | $32,201,000 | 2,228 |
| Average total loans | $82,237,000 | 3,761 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 3,868 |
| Cost of funding earning assets | 0.3565% | 3,450 |
| Net interest margin | 3.4543% | 3,610 |
| Noninterest income to average assets | 0.4106% | 3,802 |
| Noninterest expense to average assets | 2.2238% | 4,720 |
| Loan and lease loss provision to assets | 0.1306% | 1,908 |
| Net operating income to assets | 1.2869% | 1,244 |
| Return on assets (ROA) | 1.2636% | 1,394 |
| Pretax return on assets | 1.2636% | 2,422 |
| Return on Equity (ROE) | 6.8477% | 3,548 |
| Retained earnings to average equity (ytd only) | 2.6891% | 3,989 |
| Net charge-offs to loans | 0.1620% | 1,666 |
| Credit loss provision to net charge-offs | 186.5079% | 1,506 |
| Earnings coverage of net charge-offs (x) | 20.2460% | 1,864 |
| Efficiency ratio | 61.0713% | 4,406 |
| Assets per employee ($millions) | 4.8378% | 2,592 |
| Cash dividends to net income (ytd only)* | 60.7300% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 1,842 |
| Loan loss allowance to noncurrent loans | 350.8772% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 4,409 |
| Noncurrent loans to loans | 0.4156% | 3,654 |
| Net loans and leases to total assets | 44.1070% | 5,110 |
| Net loans and leases to deposits | 54.0412% | 5,009 |
| Net loans and leases to core deposits | 54.9427% | 5,102 |
| Total domestic deposits to total assets | 81.6174% | 4,173 |
| Equity capital to assets | 17.3578% | 350 |
| Core capital (leverage) ratio | 17.3536% | 329 |
| Tier 1 risk-based capital ratio | 33.6378% | 357 |
| Total risk-based capital ratio | 34.8873% | 350 |
| Memoranda: | ||
| Average total assets | $179,961,600 | 3,164 |
| Average earning assets | $168,313,000 | 3,137 |
| Average equity | $33,208,400 | 2,166 |
| Average total loans | $77,779,400 | 3,852 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8185% | 3,876 |
| Cost of funding earning assets | 0.3599% | 3,434 |
| Net interest margin | 3.4587% | 3,634 |
| Noninterest income to average assets | 0.4075% | 3,869 |
| Noninterest expense to average assets | 2.1133% | 4,982 |
| Loan and lease loss provision to assets | 0.1080% | 2,123 |
| Net operating income to assets | 1.4220% | 1,023 |
| Return on assets (ROA) | 1.3907% | 1,142 |
| Pretax return on assets | 1.3907% | 2,067 |
| Return on Equity (ROE) | 7.4233% | 3,340 |
| Retained earnings to average equity (ytd only) | 4.3657% | 3,229 |
| Net charge-offs to loans | 0.1722% | 1,337 |
| Credit loss provision to net charge-offs | 146.4646% | 1,798 |
| Earnings coverage of net charge-offs (x) | 20.7470% | 1,854 |
| Efficiency ratio | 58.0045% | 4,813 |
| Assets per employee ($millions) | 4.8171% | 2,590 |
| Cash dividends to net income (ytd only)* | 41.1892% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 2,182 |
| Loan loss allowance to noncurrent loans | 319.3820% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 4,463 |
| Noncurrent loans to loans | 0.4396% | 3,704 |
| Net loans and leases to total assets | 43.6156% | 5,216 |
| Net loans and leases to deposits | 54.7375% | 5,068 |
| Net loans and leases to core deposits | 55.7918% | 5,157 |
| Total domestic deposits to total assets | 79.6814% | 4,578 |
| Equity capital to assets | 18.6120% | 291 |
| Core capital (leverage) ratio | 16.9312% | 372 |
| Tier 1 risk-based capital ratio | 34.5265% | 346 |
| Total risk-based capital ratio | 35.7711% | 342 |
| Memoranda: | ||
| Average total assets | $178,992,750 | 3,189 |
| Average earning assets | $167,459,250 | 3,158 |
| Average equity | $33,533,000 | 2,172 |
| Average total loans | $76,653,000 | 3,912 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 3,904 |
| Cost of funding earning assets | 0.3588% | 3,468 |
| Net interest margin | 3.4558% | 3,661 |
| Noninterest income to average assets | 0.3850% | 3,990 |
| Noninterest expense to average assets | 2.0975% | 5,065 |
| Loan and lease loss provision to assets | 0.0957% | 2,243 |
| Net operating income to assets | 1.4231% | 1,022 |
| Return on assets (ROA) | 1.3758% | 1,174 |
| Pretax return on assets | 1.3758% | 2,113 |
| Return on Equity (ROE) | 7.3274% | 3,356 |
| Retained earnings to average equity (ytd only) | 5.0908% | 2,667 |
| Net charge-offs to loans | 0.1755% | 1,288 |
| Credit loss provision to net charge-offs | 128.7879% | 1,779 |
| Earnings coverage of net charge-offs (x) | 20.4394% | 1,726 |
| Efficiency ratio | 58.0012% | 4,902 |
| Assets per employee ($millions) | 4.5888% | 2,881 |
| Cash dividends to net income (ytd only)* | 30.5237% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 2,211 |
| Loan loss allowance to noncurrent loans | 506.8493% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 4,736 |
| Noncurrent loans to loans | 0.2799% | 4,367 |
| Net loans and leases to total assets | 43.0961% | 5,277 |
| Net loans and leases to deposits | 54.5279% | 5,104 |
| Net loans and leases to core deposits | 55.4914% | 5,201 |
| Total domestic deposits to total assets | 79.0350% | 4,779 |
| Equity capital to assets | 19.1535% | 252 |
| Core capital (leverage) ratio | 17.4371% | 330 |
| Tier 1 risk-based capital ratio | 35.1366% | 332 |
| Total risk-based capital ratio | 36.3829% | 328 |
| Memoranda: | ||
| Average total assets | $177,640,670 | 3,219 |
| Average earning assets | $166,097,000 | 3,191 |
| Average equity | $33,354,330 | 2,182 |
| Average total loans | $75,212,330 | 3,973 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 4,039 |
| Cost of funding earning assets | 0.3671% | 3,428 |
| Net interest margin | 3.4081% | 3,847 |
| Noninterest income to average assets | 0.3887% | 3,912 |
| Noninterest expense to average assets | 2.1517% | 5,016 |
| Loan and lease loss provision to assets | 0.0791% | 2,381 |
| Net operating income to assets | 1.3471% | 1,139 |
| Return on assets (ROA) | 1.2521% | 1,499 |
| Pretax return on assets | 1.2521% | 2,492 |
| Return on Equity (ROE) | 6.7371% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.7764% | 2,487 |
| Net charge-offs to loans | 0.3745% | 588 |
| Credit loss provision to net charge-offs | 50.7246% | 2,047 |
| Earnings coverage of net charge-offs (x) | 9.1449% | 2,008 |
| Efficiency ratio | 60.1390% | 4,727 |
| Assets per employee ($millions) | 4.6785% | 2,781 |
| Cash dividends to net income (ytd only)* | 14.2599% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 2,383 |
| Loan loss allowance to noncurrent loans | 533.8384% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 4,828 |
| Noncurrent loans to loans | 0.2638% | 4,489 |
| Net loans and leases to total assets | 41.6204% | 5,368 |
| Net loans and leases to deposits | 53.0781% | 5,159 |
| Net loans and leases to core deposits | 54.1252% | 5,247 |
| Total domestic deposits to total assets | 78.4136% | 5,072 |
| Equity capital to assets | 18.7656% | 273 |
| Core capital (leverage) ratio | 17.3019% | 347 |
| Tier 1 risk-based capital ratio | 35.0954% | 332 |
| Total risk-based capital ratio | 36.2952% | 329 |
| Memoranda: | ||
| Average total assets | $176,978,500 | 3,233 |
| Average earning assets | $165,604,500 | 3,209 |
| Average equity | $32,892,500 | 2,203 |
| Average total loans | $73,700,000 | 4,033 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 4,082 |
| Cost of funding earning assets | 0.4076% | 3,075 |
| Net interest margin | 3.3802% | 3,986 |
| Noninterest income to average assets | 0.4073% | 3,983 |
| Noninterest expense to average assets | 2.2745% | 4,865 |
| Loan and lease loss provision to assets | 0.0693% | 2,901 |
| Net operating income to assets | 1.1982% | 1,558 |
| Return on assets (ROA) | 1.1624% | 1,767 |
| Pretax return on assets | 1.1658% | 2,789 |
| Return on Equity (ROE) | 6.2490% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.0376% | 3,147 |
| Net charge-offs to loans | 0.4211% | 671 |
| Credit loss provision to net charge-offs | 40.1338% | 3,532 |
| Earnings coverage of net charge-offs (x) | 7.3579% | 3,090 |
| Efficiency ratio | 64.1519% | 4,228 |
| Assets per employee ($millions) | 4.6362% | 2,839 |
| Cash dividends to net income (ytd only)* | 35.3877% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 1,963 |
| Loan loss allowance to noncurrent loans | 328.6145% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 4,465 |
| Noncurrent loans to loans | 0.4589% | 3,830 |
| Net loans and leases to total assets | 40.4475% | 5,488 |
| Net loans and leases to deposits | 52.9209% | 5,219 |
| Net loans and leases to core deposits | 54.1162% | 5,309 |
| Total domestic deposits to total assets | 76.4301% | 5,397 |
| Equity capital to assets | 18.4040% | 286 |
| Core capital (leverage) ratio | 17.2529% | 339 |
| Tier 1 risk-based capital ratio | 35.4640% | 326 |
| Total risk-based capital ratio | 36.7140% | 321 |
| Memoranda: | ||
| Average total assets | $173,095,600 | 3,259 |
| Average earning assets | $160,700,400 | 3,247 |
| Average equity | $32,197,400 | 2,191 |
| Average total loans | $71,002,600 | 4,071 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 4,239 |
| Cost of funding earning assets | 0.4164% | 3,050 |
| Net interest margin | 3.3389% | 4,183 |
| Noninterest income to average assets | 0.3799% | 4,214 |
| Noninterest expense to average assets | 2.1548% | 5,154 |
| Loan and lease loss provision to assets | 0.0696% | 2,782 |
| Net operating income to assets | 1.2472% | 1,497 |
| Return on assets (ROA) | 1.1993% | 1,717 |
| Pretax return on assets | 1.2031% | 2,808 |
| Return on Equity (ROE) | 6.4299% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.0192% | 2,234 |
| Net charge-offs to loans | 0.3151% | 844 |
| Credit loss provision to net charge-offs | 53.8922% | 2,992 |
| Earnings coverage of net charge-offs (x) | 10.2216% | 2,616 |
| Efficiency ratio | 61.9991% | 4,570 |
| Assets per employee ($millions) | 4.6247% | 2,801 |
| Cash dividends to net income (ytd only)* | 6.3872% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 1,578 |
| Loan loss allowance to noncurrent loans | 63.4574% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.1506% | 2,068 |
| Noncurrent loans to loans | 2.6172% | 751 |
| Net loans and leases to total assets | 40.1954% | 5,580 |
| Net loans and leases to deposits | 52.2992% | 5,351 |
| Net loans and leases to core deposits | 53.6856% | 5,421 |
| Total domestic deposits to total assets | 76.8566% | 5,365 |
| Equity capital to assets | 18.7050% | 293 |
| Core capital (leverage) ratio | 16.9404% | 389 |
| Tier 1 risk-based capital ratio | 35.2035% | 341 |
| Total risk-based capital ratio | 36.4542% | 344 |
| Memoranda: | ||
| Average total assets | $172,326,000 | 3,295 |
| Average earning assets | $159,770,250 | 3,288 |
| Average equity | $32,141,000 | 2,208 |
| Average total loans | $70,666,000 | 4,117 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7452% | 4,252 |
| Cost of funding earning assets | 0.4154% | 3,088 |
| Net interest margin | 3.3297% | 4,173 |
| Noninterest income to average assets | 0.3890% | 4,163 |
| Noninterest expense to average assets | 2.2116% | 5,084 |
| Loan and lease loss provision to assets | 0.0701% | 2,704 |
| Net operating income to assets | 1.1847% | 1,652 |
| Return on assets (ROA) | 1.0760% | 2,135 |
| Pretax return on assets | 1.0795% | 3,261 |
| Return on Equity (ROE) | 5.7748% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.3421% | 2,645 |
| Net charge-offs to loans | 0.4411% | 579 |
| Credit loss provision to net charge-offs | 38.7097% | 2,834 |
| Earnings coverage of net charge-offs (x) | 6.9484% | 2,720 |
| Efficiency ratio | 63.7374% | 4,396 |
| Assets per employee ($millions) | 4.5352% | 2,929 |
| Cash dividends to net income (ytd only)* | 7.4919% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 1,692 |
| Loan loss allowance to noncurrent loans | 53.6285% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 1.4617% | 1,699 |
| Noncurrent loans to loans | 3.1072% | 622 |
| Net loans and leases to total assets | 40.2348% | 5,616 |
| Net loans and leases to deposits | 51.7973% | 5,396 |
| Net loans and leases to core deposits | 53.1835% | 5,474 |
| Total domestic deposits to total assets | 77.6773% | 5,340 |
| Equity capital to assets | 18.3815% | 304 |
| Core capital (leverage) ratio | 17.2878% | 344 |
| Tier 1 risk-based capital ratio | 34.3409% | 382 |
| Total risk-based capital ratio | 35.5916% | 381 |
| Memoranda: | ||
| Average total assets | $171,188,330 | 3,328 |
| Average earning assets | $158,390,670 | 3,322 |
| Average equity | $31,897,330 | 2,226 |
| Average total loans | $70,277,330 | 4,151 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7944% | 4,032 |
| Cost of funding earning assets | 0.4149% | 3,138 |
| Net interest margin | 3.3795% | 3,918 |
| Noninterest income to average assets | 0.3561% | 4,351 |
| Noninterest expense to average assets | 2.1507% | 5,273 |
| Loan and lease loss provision to assets | 0.0703% | 2,534 |
| Net operating income to assets | 1.2628% | 1,373 |
| Return on assets (ROA) | 1.2792% | 1,421 |
| Pretax return on assets | 1.2815% | 2,349 |
| Return on Equity (ROE) | 6.7981% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.5491% | 2,214 |
| Net charge-offs to loans | -0.0057% | 4,531 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6935% | 4,844 |
| Assets per employee ($millions) | 4.6377% | 2,848 |
| Cash dividends to net income (ytd only)* | 3.6630% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8278% | 1,437 |
| Loan loss allowance to noncurrent loans | 64.3422% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 1.4237% | 1,860 |
| Noncurrent loans to loans | 2.8408% | 799 |
| Net loans and leases to total assets | 40.7223% | 5,562 |
| Net loans and leases to deposits | 52.7832% | 5,285 |
| Net loans and leases to core deposits | 54.2877% | 5,353 |
| Total domestic deposits to total assets | 77.1501% | 5,591 |
| Equity capital to assets | 18.9750% | 264 |
| Core capital (leverage) ratio | 17.2114% | 342 |
| Tier 1 risk-based capital ratio | 34.2873% | 386 |
| Total risk-based capital ratio | 35.5399% | 378 |
| Memoranda: | ||
| Average total assets | $170,734,000 | 3,350 |
| Average earning assets | $158,128,000 | 3,350 |
| Average equity | $32,126,500 | 2,226 |
| Average total loans | $70,278,500 | 4,175 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8896% | 4,159 |
| Cost of funding earning assets | 0.4711% | 2,969 |
| Net interest margin | 3.4185% | 4,120 |
| Noninterest income to average assets | 0.4699% | 3,714 |
| Noninterest expense to average assets | 2.2418% | 5,259 |
| Loan and lease loss provision to assets | 0.0721% | 3,042 |
| Net operating income to assets | 1.3309% | 1,231 |
| Return on assets (ROA) | 1.3501% | 1,242 |
| Pretax return on assets | 1.3537% | 2,063 |
| Return on Equity (ROE) | 7.2968% | 3,470 |
| Retained earnings to average equity (ytd only) | 3.8774% | 3,460 |
| Net charge-offs to loans | 0.1796% | 2,229 |
| Credit loss provision to net charge-offs | 97.5610% | 2,486 |
| Earnings coverage of net charge-offs (x) | 19.0325% | 1,806 |
| Efficiency ratio | 61.4460% | 5,000 |
| Assets per employee ($millions) | 4.3557% | 3,261 |
| Cash dividends to net income (ytd only)* | 46.8625% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 1,469 |
| Loan loss allowance to noncurrent loans | 65.2286% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 1.5117% | 1,799 |
| Noncurrent loans to loans | 2.8063% | 838 |
| Net loans and leases to total assets | 40.0938% | 5,735 |
| Net loans and leases to deposits | 53.0204% | 5,409 |
| Net loans and leases to core deposits | 54.8859% | 5,455 |
| Total domestic deposits to total assets | 75.6196% | 5,799 |
| Equity capital to assets | 18.6568% | 280 |
| Core capital (leverage) ratio | 17.2821% | 345 |
| Tier 1 risk-based capital ratio | 35.1360% | 336 |
| Total risk-based capital ratio | 36.3899% | 330 |
| Memoranda: | ||
| Average total assets | $166,430,200 | 3,387 |
| Average earning assets | $154,744,200 | 3,368 |
| Average equity | $30,794,200 | 2,231 |
| Average total loans | $68,470,800 | 4,224 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8758% | 4,251 |
| Cost of funding earning assets | 0.4805% | 2,952 |
| Net interest margin | 3.3953% | 4,261 |
| Noninterest income to average assets | 0.4493% | 3,898 |
| Noninterest expense to average assets | 2.0889% | 5,601 |
| Loan and lease loss provision to assets | 0.0725% | 2,894 |
| Net operating income to assets | 1.4479% | 1,029 |
| Return on assets (ROA) | 1.4737% | 1,017 |
| Pretax return on assets | 1.4777% | 1,720 |
| Return on Equity (ROE) | 7.9816% | 3,219 |
| Retained earnings to average equity (ytd only) | 6.4464% | 2,136 |
| Net charge-offs to loans | 0.0742% | 3,134 |
| Credit loss provision to net charge-offs | 236.8421% | 1,103 |
| Earnings coverage of net charge-offs (x) | 49.8113% | 981 |
| Efficiency ratio | 57.8115% | 5,469 |
| Assets per employee ($millions) | 4.4747% | 3,016 |
| Cash dividends to net income (ytd only)* | 19.2349% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9381% | 1,377 |
| Loan loss allowance to noncurrent loans | 55.9308% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 1.7049% | 1,765 |
| Noncurrent loans to loans | 3.4652% | 699 |
| Net loans and leases to total assets | 39.4268% | 5,849 |
| Net loans and leases to deposits | 52.3860% | 5,510 |
| Net loans and leases to core deposits | 53.9578% | 5,567 |
| Total domestic deposits to total assets | 75.2621% | 5,899 |
| Equity capital to assets | 18.7492% | 283 |
| Core capital (leverage) ratio | 16.9879% | 375 |
| Tier 1 risk-based capital ratio | 35.8684% | 327 |
| Total risk-based capital ratio | 37.1229% | 324 |
| Memoranda: | ||
| Average total assets | $165,569,250 | 3,427 |
| Average earning assets | $154,285,750 | 3,397 |
| Average equity | $30,569,500 | 2,254 |
| Average total loans | $68,243,750 | 4,264 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 4,212 |
| Cost of funding earning assets | 0.4853% | 2,974 |
| Net interest margin | 3.3973% | 4,187 |
| Noninterest income to average assets | 0.4534% | 3,847 |
| Noninterest expense to average assets | 2.0380% | 5,753 |
| Loan and lease loss provision to assets | 0.0731% | 2,805 |
| Net operating income to assets | 1.5042% | 861 |
| Return on assets (ROA) | 1.5432% | 840 |
| Pretax return on assets | 1.5468% | 1,402 |
| Return on Equity (ROE) | 8.4029% | 2,893 |
| Retained earnings to average equity (ytd only) | 6.3918% | 2,095 |
| Net charge-offs to loans | 0.0029% | 4,289 |
| Credit loss provision to net charge-offs | 6,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 1,297.0000% | 40 |
| Efficiency ratio | 56.3153% | 5,710 |
| Assets per employee ($millions) | 4.3776% | 3,122 |
| Cash dividends to net income (ytd only)* | 23.9336% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9522% | 1,453 |
| Loan loss allowance to noncurrent loans | 58.6268% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 1.8016% | 1,798 |
| Noncurrent loans to loans | 3.3299% | 827 |
| Net loans and leases to total assets | 40.2152% | 5,794 |
| Net loans and leases to deposits | 52.8571% | 5,438 |
| Net loans and leases to core deposits | 54.9024% | 5,498 |
| Total domestic deposits to total assets | 76.0830% | 5,906 |
| Equity capital to assets | 18.8452% | 272 |
| Core capital (leverage) ratio | 17.4510% | 330 |
| Tier 1 risk-based capital ratio | 35.5668% | 328 |
| Total risk-based capital ratio | 36.8217% | 326 |
| Memoranda: | ||
| Average total assets | $164,079,330 | 3,478 |
| Average earning assets | $152,886,670 | 3,432 |
| Average equity | $30,132,330 | 2,269 |
| Average total loans | $68,203,000 | 4,291 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8778% | 4,186 |
| Cost of funding earning assets | 0.4772% | 3,147 |
| Net interest margin | 3.4007% | 4,111 |
| Noninterest income to average assets | 0.4321% | 3,935 |
| Noninterest expense to average assets | 1.9099% | 6,050 |
| Loan and lease loss provision to assets | 0.0736% | 2,666 |
| Net operating income to assets | 1.6300% | 638 |
| Return on assets (ROA) | 1.7257% | 565 |
| Pretax return on assets | 1.7282% | 919 |
| Return on Equity (ROE) | 9.5245% | 2,240 |
| Retained earnings to average equity (ytd only) | 8.2509% | 1,510 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8174% | 6,091 |
| Assets per employee ($millions) | 4.7281% | 2,625 |
| Cash dividends to net income (ytd only)* | 13.3713% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9405% | 1,646 |
| Loan loss allowance to noncurrent loans | 51.3599% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 2.0014% | 1,712 |
| Noncurrent loans to loans | 3.7783% | 744 |
| Net loans and leases to total assets | 39.7890% | 5,824 |
| Net loans and leases to deposits | 51.9090% | 5,458 |
| Net loans and leases to core deposits | 55.3841% | 5,401 |
| Total domestic deposits to total assets | 76.6514% | 6,004 |
| Equity capital to assets | 18.2067% | 315 |
| Core capital (leverage) ratio | 17.2783% | 341 |
| Tier 1 risk-based capital ratio | 35.4569% | 337 |
| Total risk-based capital ratio | 36.7111% | 331 |
| Memoranda: | ||
| Average total assets | $162,944,000 | 3,515 |
| Average earning assets | $152,559,000 | 3,466 |
| Average equity | $29,524,000 | 2,297 |
| Average total loans | $68,189,500 | 4,324 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 4,033 |
| Cost of funding earning assets | 0.5692% | 2,932 |
| Net interest margin | 3.4484% | 4,103 |
| Noninterest income to average assets | 0.4398% | 4,163 |
| Noninterest expense to average assets | 2.1771% | 5,686 |
| Loan and lease loss provision to assets | 0.0766% | 3,578 |
| Net operating income to assets | 1.4157% | 997 |
| Return on assets (ROA) | 1.4157% | 1,029 |
| Pretax return on assets | 1.4188% | 1,721 |
| Return on Equity (ROE) | 7.5033% | 3,294 |
| Retained earnings to average equity (ytd only) | 4.1339% | 3,230 |
| Net charge-offs to loans | 0.0811% | 4,081 |
| Credit loss provision to net charge-offs | 210.5263% | 1,093 |
| Earnings coverage of net charge-offs (x) | 41.1053% | 925 |
| Efficiency ratio | 59.2805% | 5,564 |
| Assets per employee ($millions) | 5.3468% | 1,801 |
| Cash dividends to net income (ytd only)* | 44.9053% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 1,949 |
| Loan loss allowance to noncurrent loans | 66.0612% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.7593% | 2,110 |
| Noncurrent loans to loans | 2.7834% | 1,277 |
| Net loans and leases to total assets | 42.3671% | 5,802 |
| Net loans and leases to deposits | 54.7465% | 5,405 |
| Net loans and leases to core deposits | 58.6207% | 5,338 |
| Total domestic deposits to total assets | 77.3879% | 5,912 |
| Equity capital to assets | 18.0287% | 321 |
| Core capital (leverage) ratio | 17.7474% | 313 |
| Tier 1 risk-based capital ratio | 35.0622% | 329 |
| Total risk-based capital ratio | 36.3168% | 321 |
| Memoranda: | ||
| Average total assets | $156,676,200 | 3,612 |
| Average earning assets | $146,878,800 | 3,556 |
| Average equity | $29,560,400 | 2,282 |
| Average total loans | $70,273,200 | 4,257 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 3,891 |
| Cost of funding earning assets | 0.5835% | 2,963 |
| Net interest margin | 3.4774% | 3,981 |
| Noninterest income to average assets | 0.5402% | 3,522 |
| Noninterest expense to average assets | 2.1000% | 5,827 |
| Loan and lease loss provision to assets | 0.0770% | 3,520 |
| Net operating income to assets | 1.6257% | 714 |
| Return on assets (ROA) | 1.6257% | 755 |
| Pretax return on assets | 1.6283% | 1,270 |
| Return on Equity (ROE) | 8.5191% | 2,875 |
| Retained earnings to average equity (ytd only) | 6.3254% | 2,223 |
| Net charge-offs to loans | 0.0964% | 3,593 |
| Credit loss provision to net charge-offs | 176.4706% | 1,365 |
| Earnings coverage of net charge-offs (x) | 39.0578% | 1,024 |
| Efficiency ratio | 55.1856% | 6,007 |
| Assets per employee ($millions) | 4.8748% | 2,338 |
| Cash dividends to net income (ytd only)* | 25.7502% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7720% | 2,395 |
| Loan loss allowance to noncurrent loans | 68.1025% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.7353% | 2,365 |
| Noncurrent loans to loans | 2.6019% | 1,637 |
| Net loans and leases to total assets | 44.3847% | 5,696 |
| Net loans and leases to deposits | 59.3240% | 5,054 |
| Net loans and leases to core deposits | 62.8907% | 5,024 |
| Total domestic deposits to total assets | 74.8175% | 6,296 |
| Equity capital to assets | 18.8797% | 266 |
| Core capital (leverage) ratio | 17.6777% | 326 |
| Tier 1 risk-based capital ratio | 35.6059% | 325 |
| Total risk-based capital ratio | 36.8601% | 315 |
| Memoranda: | ||
| Average total assets | $155,744,000 | 3,655 |
| Average earning assets | $146,235,750 | 3,605 |
| Average equity | $29,720,750 | 2,289 |
| Average total loans | $70,533,500 | 4,281 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0604% | 3,878 |
| Cost of funding earning assets | 0.5939% | 2,994 |
| Net interest margin | 3.4665% | 3,942 |
| Noninterest income to average assets | 0.5306% | 3,630 |
| Noninterest expense to average assets | 2.1046% | 5,861 |
| Loan and lease loss provision to assets | 0.0771% | 3,514 |
| Net operating income to assets | 1.6009% | 746 |
| Return on assets (ROA) | 1.6009% | 820 |
| Pretax return on assets | 1.6035% | 1,369 |
| Return on Equity (ROE) | 8.3594% | 2,912 |
| Retained earnings to average equity (ytd only) | 5.7161% | 2,601 |
| Net charge-offs to loans | -0.0057% | 5,655 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6008% | 6,009 |
| Assets per employee ($millions) | 4.8313% | 2,324 |
| Cash dividends to net income (ytd only)* | 31.6212% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8105% | 2,402 |
| Loan loss allowance to noncurrent loans | 61.2422% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 1.9547% | 2,213 |
| Noncurrent loans to loans | 2.9563% | 1,511 |
| Net loans and leases to total assets | 44.6210% | 5,685 |
| Net loans and leases to deposits | 58.8760% | 5,082 |
| Net loans and leases to core deposits | 62.2541% | 5,074 |
| Total domestic deposits to total assets | 75.7882% | 6,269 |
| Equity capital to assets | 18.6123% | 283 |
| Core capital (leverage) ratio | 17.4956% | 323 |
| Tier 1 risk-based capital ratio | 35.4813% | 324 |
| Total risk-based capital ratio | 36.7358% | 314 |
| Memoranda: | ||
| Average total assets | $155,661,000 | 3,677 |
| Average earning assets | $146,143,670 | 3,626 |
| Average equity | $29,810,670 | 2,286 |
| Average total loans | $70,549,330 | 4,296 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 3,475 |
| Cost of funding earning assets | 0.6008% | 3,103 |
| Net interest margin | 3.5583% | 3,440 |
| Noninterest income to average assets | 0.5199% | 3,633 |
| Noninterest expense to average assets | 2.0565% | 5,995 |
| Loan and lease loss provision to assets | 0.0768% | 3,347 |
| Net operating income to assets | 1.7210% | 557 |
| Return on assets (ROA) | 1.7210% | 617 |
| Pretax return on assets | 1.7235% | 1,024 |
| Return on Equity (ROE) | 8.8630% | 2,546 |
| Retained earnings to average equity (ytd only) | 6.9901% | 2,152 |
| Net charge-offs to loans | -0.0283% | 5,871 |
| Credit loss provision to net charge-offs | -600.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3201% | 6,274 |
| Assets per employee ($millions) | 5.0048% | 2,205 |
| Cash dividends to net income (ytd only)* | 21.1310% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8066% | 2,598 |
| Loan loss allowance to noncurrent loans | 112.4661% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.2931% | 3,383 |
| Noncurrent loans to loans | 1.6063% | 3,134 |
| Net loans and leases to total assets | 42.2531% | 5,826 |
| Net loans and leases to deposits | 55.3235% | 5,319 |
| Net loans and leases to core deposits | 59.2381% | 5,224 |
| Total domestic deposits to total assets | 76.3746% | 6,321 |
| Equity capital to assets | 18.9155% | 279 |
| Core capital (leverage) ratio | 17.6372% | 311 |
| Tier 1 risk-based capital ratio | 34.9863% | 347 |
| Total risk-based capital ratio | 36.2009% | 345 |
| Memoranda: | ||
| Average total assets | $156,190,500 | 3,706 |
| Average earning assets | $146,475,500 | 3,654 |
| Average equity | $30,328,500 | 2,274 |
| Average total loans | $70,695,500 | 4,324 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4552% | 3,594 |
| Cost of funding earning assets | 0.6950% | 3,530 |
| Net interest margin | 3.7602% | 3,393 |
| Noninterest income to average assets | 0.4992% | 3,908 |
| Noninterest expense to average assets | 2.0885% | 6,151 |
| Loan and lease loss provision to assets | 0.2390% | 2,741 |
| Net operating income to assets | 1.7360% | 573 |
| Return on assets (ROA) | 1.7294% | 654 |
| Pretax return on assets | 1.7354% | 1,056 |
| Return on Equity (ROE) | 8.7977% | 2,735 |
| Retained earnings to average equity (ytd only) | 5.2347% | 2,548 |
| Net charge-offs to loans | 0.2038% | 3,750 |
| Credit loss provision to net charge-offs | 243.2432% | 1,014 |
| Earnings coverage of net charge-offs (x) | 20.1622% | 1,365 |
| Efficiency ratio | 51.3214% | 6,502 |
| Assets per employee ($millions) | 4.6129% | 2,759 |
| Cash dividends to net income (ytd only)* | 40.4990% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6695% | 3,042 |
| Loan loss allowance to noncurrent loans | 421.6028% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.7311% | 4,648 |
| Noncurrent loans to loans | 0.3960% | 5,502 |
| Net loans and leases to total assets | 46.8156% | 5,533 |
| Net loans and leases to deposits | 62.3347% | 4,749 |
| Net loans and leases to core deposits | 67.0928% | 4,634 |
| Total domestic deposits to total assets | 75.1036% | 6,435 |
| Equity capital to assets | 19.9459% | 224 |
| Core capital (leverage) ratio | 17.5561% | 313 |
| Tier 1 risk-based capital ratio | 34.0054% | 367 |
| Total risk-based capital ratio | 35.2206% | 364 |
| Memoranda: | ||
| Average total assets | $150,632,400 | 3,763 |
| Average earning assets | $143,024,000 | 3,679 |
| Average equity | $29,610,000 | 2,271 |
| Average total loans | $72,609,600 | 4,249 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4539% | 3,813 |
| Cost of funding earning assets | 0.7120% | 3,663 |
| Net interest margin | 3.7419% | 3,597 |
| Noninterest income to average assets | 0.4784% | 4,072 |
| Noninterest expense to average assets | 1.9365% | 6,459 |
| Loan and lease loss provision to assets | 0.2396% | 2,656 |
| Net operating income to assets | 1.8690% | 495 |
| Return on assets (ROA) | 1.8602% | 578 |
| Pretax return on assets | 1.8664% | 930 |
| Return on Equity (ROE) | 9.4984% | 2,590 |
| Retained earnings to average equity (ytd only) | 7.0286% | 2,111 |
| Net charge-offs to loans | 0.2588% | 3,176 |
| Credit loss provision to net charge-offs | 191.4894% | 1,450 |
| Earnings coverage of net charge-offs (x) | 16.9003% | 1,649 |
| Efficiency ratio | 47.7985% | 6,734 |
| Assets per employee ($millions) | 4.9451% | 2,261 |
| Cash dividends to net income (ytd only)* | 26.0019% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 3,783 |
| Loan loss allowance to noncurrent loans | 205.2823% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 1.1931% | 3,898 |
| Noncurrent loans to loans | 0.7492% | 4,921 |
| Net loans and leases to total assets | 47.0642% | 5,651 |
| Net loans and leases to deposits | 63.2444% | 4,809 |
| Net loans and leases to core deposits | 69.2227% | 4,586 |
| Total domestic deposits to total assets | 74.4163% | 6,569 |
| Equity capital to assets | 20.0050% | 238 |
| Core capital (leverage) ratio | 17.5937% | 325 |
| Tier 1 risk-based capital ratio | 34.7671% | 366 |
| Total risk-based capital ratio | 36.0198% | 358 |
| Memoranda: | ||
| Average total assets | $150,233,750 | 3,817 |
| Average earning assets | $143,451,750 | 3,707 |
| Average equity | $29,421,750 | 2,305 |
| Average total loans | $72,643,000 | 4,306 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 3,761 |
| Cost of funding earning assets | 0.7317% | 3,750 |
| Net interest margin | 3.7692% | 3,500 |
| Noninterest income to average assets | 0.4933% | 3,959 |
| Noninterest expense to average assets | 1.9864% | 6,462 |
| Loan and lease loss provision to assets | 0.2413% | 2,649 |
| Net operating income to assets | 1.8631% | 498 |
| Return on assets (ROA) | 1.8631% | 571 |
| Pretax return on assets | 1.8698% | 901 |
| Return on Equity (ROE) | 9.5840% | 2,536 |
| Retained earnings to average equity (ytd only) | 6.6192% | 2,320 |
| Net charge-offs to loans | 0.0966% | 4,194 |
| Credit loss provision to net charge-offs | 514.2857% | 584 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 799 |
| Efficiency ratio | 48.4789% | 6,745 |
| Assets per employee ($millions) | 4.8024% | 2,437 |
| Cash dividends to net income (ytd only)* | 30.9353% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,700 |
| Loan loss allowance to noncurrent loans | 95.6522% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.5187% | 3,428 |
| Noncurrent loans to loans | 1.6430% | 3,444 |
| Net loans and leases to total assets | 48.1270% | 5,599 |
| Net loans and leases to deposits | 64.7458% | 4,671 |
| Net loans and leases to core deposits | 71.5974% | 4,338 |
| Total domestic deposits to total assets | 74.3322% | 6,650 |
| Equity capital to assets | 19.9395% | 241 |
| Core capital (leverage) ratio | 17.3108% | 338 |
| Tier 1 risk-based capital ratio | 34.3599% | 364 |
| Total risk-based capital ratio | 35.6127% | 358 |
| Memoranda: | ||
| Average total assets | $149,212,670 | 3,854 |
| Average earning assets | $142,682,000 | 3,741 |
| Average equity | $29,006,670 | 2,323 |
| Average total loans | $72,432,330 | 4,331 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 3,851 |
| Cost of funding earning assets | 0.7605% | 3,783 |
| Net interest margin | 3.7550% | 3,580 |
| Noninterest income to average assets | 0.4311% | 4,446 |
| Noninterest expense to average assets | 1.9146% | 6,619 |
| Loan and lease loss provision to assets | 0.2410% | 2,539 |
| Net operating income to assets | 1.8530% | 534 |
| Return on assets (ROA) | 1.8530% | 607 |
| Pretax return on assets | 1.8583% | 953 |
| Return on Equity (ROE) | 9.6555% | 2,535 |
| Retained earnings to average equity (ytd only) | 5.5952% | 3,208 |
| Net charge-offs to loans | -0.0332% | 6,387 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6985% | 6,825 |
| Assets per employee ($millions) | 4.9972% | 2,256 |
| Cash dividends to net income (ytd only)* | 42.0520% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 4,106 |
| Loan loss allowance to noncurrent loans | 52.3195% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 1.7803% | 3,198 |
| Noncurrent loans to loans | 2.8859% | 2,237 |
| Net loans and leases to total assets | 47.6016% | 5,608 |
| Net loans and leases to deposits | 63.5278% | 4,703 |
| Net loans and leases to core deposits | 72.6301% | 4,066 |
| Total domestic deposits to total assets | 74.9305% | 6,652 |
| Equity capital to assets | 19.2863% | 259 |
| Core capital (leverage) ratio | 16.8519% | 370 |
| Tier 1 risk-based capital ratio | 32.0937% | 431 |
| Total risk-based capital ratio | 33.3454% | 422 |
| Memoranda: | ||
| Average total assets | $149,381,500 | 3,881 |
| Average earning assets | $142,529,000 | 3,772 |
| Average equity | $28,667,500 | 2,347 |
| Average total loans | $72,252,000 | 4,372 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 3,236 |
| Cost of funding earning assets | 0.8708% | 4,319 |
| Net interest margin | 4.0539% | 2,620 |
| Noninterest income to average assets | 0.5675% | 3,377 |
| Noninterest expense to average assets | 2.2458% | 6,171 |
| Loan and lease loss provision to assets | 0.2554% | 3,653 |
| Net operating income to assets | 1.9216% | 364 |
| Return on assets (ROA) | 1.9642% | 350 |
| Pretax return on assets | 1.9691% | 566 |
| Return on Equity (ROE) | 10.4469% | 1,889 |
| Retained earnings to average equity (ytd only) | 4.6443% | 2,887 |
| Net charge-offs to loans | 0.4985% | 2,999 |
| Credit loss provision to net charge-offs | 102.5641% | 3,370 |
| Earnings coverage of net charge-offs (x) | 8.7635% | 2,099 |
| Efficiency ratio | 50.7209% | 6,795 |
| Assets per employee ($millions) | 4.9616% | 2,257 |
| Cash dividends to net income (ytd only)* | 55.5435% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 4,536 |
| Loan loss allowance to noncurrent loans | 64.1388% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.2321% | 4,173 |
| Noncurrent loans to loans | 2.1597% | 2,997 |
| Net loans and leases to total assets | 47.7333% | 5,856 |
| Net loans and leases to deposits | 63.5254% | 5,063 |
| Net loans and leases to core deposits | 72.3207% | 4,467 |
| Total domestic deposits to total assets | 75.1404% | 6,583 |
| Equity capital to assets | 19.0946% | 276 |
| Core capital (leverage) ratio | 17.8353% | 307 |
| Tier 1 risk-based capital ratio | 27.9249% | 628 |
| Total risk-based capital ratio | 29.0257% | 628 |
| Memoranda: | ||
| Average total assets | $140,975,200 | 3,960 |
| Average earning assets | $134,242,400 | 3,848 |
| Average equity | $26,505,400 | 2,433 |
| Average total loans | $70,404,600 | 4,475 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9788% | 3,196 |
| Cost of funding earning assets | 0.9019% | 4,380 |
| Net interest margin | 4.0769% | 2,568 |
| Noninterest income to average assets | 0.5860% | 3,255 |
| Noninterest expense to average assets | 2.0593% | 6,574 |
| Loan and lease loss provision to assets | 0.2062% | 3,957 |
| Net operating income to assets | 2.2003% | 255 |
| Return on assets (ROA) | 2.2579% | 247 |
| Pretax return on assets | 2.2627% | 386 |
| Return on Equity (ROE) | 12.0593% | 1,537 |
| Retained earnings to average equity (ytd only) | 7.4333% | 1,747 |
| Net charge-offs to loans | 0.1886% | 4,286 |
| Credit loss provision to net charge-offs | 217.1717% | 1,315 |
| Earnings coverage of net charge-offs (x) | 25.3933% | 1,048 |
| Efficiency ratio | 46.0631% | 7,059 |
| Assets per employee ($millions) | 4.9140% | 2,304 |
| Cash dividends to net income (ytd only)* | 38.3602% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 3,877 |
| Loan loss allowance to noncurrent loans | 95.5056% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.2027% | 4,389 |
| Noncurrent loans to loans | 1.6251% | 3,860 |
| Net loans and leases to total assets | 47.5438% | 6,009 |
| Net loans and leases to deposits | 63.4697% | 5,243 |
| Net loans and leases to core deposits | 72.4959% | 4,650 |
| Total domestic deposits to total assets | 74.9077% | 6,651 |
| Equity capital to assets | 19.1656% | 305 |
| Core capital (leverage) ratio | 18.2315% | 307 |
| Tier 1 risk-based capital ratio | 31.8705% | 458 |
| Total risk-based capital ratio | 33.1224% | 451 |
| Memoranda: | ||
| Average total assets | $139,007,000 | 4,022 |
| Average earning assets | $132,451,750 | 3,905 |
| Average equity | $26,026,250 | 2,480 |
| Average total loans | $69,993,750 | 4,526 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 3,066 |
| Cost of funding earning assets | 0.9212% | 4,512 |
| Net interest margin | 4.0977% | 2,415 |
| Noninterest income to average assets | 0.6226% | 2,993 |
| Noninterest expense to average assets | 2.0499% | 6,693 |
| Loan and lease loss provision to assets | 0.1835% | 4,086 |
| Net operating income to assets | 2.2907% | 222 |
| Return on assets (ROA) | 2.3788% | 202 |
| Pretax return on assets | 2.3832% | 292 |
| Return on Equity (ROE) | 12.8146% | 1,241 |
| Retained earnings to average equity (ytd only) | 6.9847% | 1,884 |
| Net charge-offs to loans | 0.2816% | 3,474 |
| Credit loss provision to net charge-offs | 127.5510% | 2,395 |
| Earnings coverage of net charge-offs (x) | 17.2245% | 1,310 |
| Efficiency ratio | 45.2659% | 7,189 |
| Assets per employee ($millions) | 4.6999% | 2,544 |
| Cash dividends to net income (ytd only)* | 45.4938% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 4,395 |
| Loan loss allowance to noncurrent loans | 78.2140% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.1454% | 4,597 |
| Noncurrent loans to loans | 1.8414% | 3,693 |
| Net loans and leases to total assets | 49.3135% | 5,910 |
| Net loans and leases to deposits | 65.8528% | 5,021 |
| Net loans and leases to core deposits | 75.0791% | 4,423 |
| Total domestic deposits to total assets | 74.8844% | 6,740 |
| Equity capital to assets | 18.9793% | 319 |
| Core capital (leverage) ratio | 18.1783% | 314 |
| Tier 1 risk-based capital ratio | 32.3331% | 438 |
| Total risk-based capital ratio | 33.5841% | 432 |
| Memoranda: | ||
| Average total assets | $136,202,670 | 4,104 |
| Average earning assets | $129,828,330 | 3,989 |
| Average equity | $25,283,670 | 2,528 |
| Average total loans | $69,593,670 | 4,591 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0550% | 2,831 |
| Cost of funding earning assets | 0.9245% | 4,747 |
| Net interest margin | 4.1305% | 2,153 |
| Noninterest income to average assets | 0.6248% | 3,005 |
| Noninterest expense to average assets | 2.1763% | 6,472 |
| Loan and lease loss provision to assets | 0.1794% | 3,822 |
| Net operating income to assets | 2.2032% | 261 |
| Return on assets (ROA) | 2.2869% | 247 |
| Pretax return on assets | 2.2929% | 351 |
| Return on Equity (ROE) | 12.4666% | 1,333 |
| Retained earnings to average equity (ytd only) | 7.1541% | 2,081 |
| Net charge-offs to loans | 0.0926% | 4,014 |
| Credit loss provision to net charge-offs | 375.0000% | 879 |
| Earnings coverage of net charge-offs (x) | 49.9375% | 579 |
| Efficiency ratio | 47.6752% | 7,128 |
| Assets per employee ($millions) | 4.4921% | 2,906 |
| Cash dividends to net income (ytd only)* | 42.6144% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 4,216 |
| Loan loss allowance to noncurrent loans | 66.0909% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.3572% | 4,257 |
| Noncurrent loans to loans | 2.2692% | 3,234 |
| Net loans and leases to total assets | 50.3443% | 5,802 |
| Net loans and leases to deposits | 67.9762% | 4,680 |
| Net loans and leases to core deposits | 70.8150% | 4,950 |
| Total domestic deposits to total assets | 74.0617% | 6,892 |
| Equity capital to assets | 18.7093% | 322 |
| Core capital (leverage) ratio | 18.0907% | 331 |
| Tier 1 risk-based capital ratio | 32.1003% | 431 |
| Total risk-based capital ratio | 33.3517% | 423 |
| Memoranda: | ||
| Average total assets | $133,806,000 | 4,177 |
| Average earning assets | $127,635,500 | 4,069 |
| Average equity | $24,545,500 | 2,592 |
| Average total loans | $69,117,500 | 4,646 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2551% | 3,335 |
| Cost of funding earning assets | 1.0820% | 5,244 |
| Net interest margin | 4.1732% | 2,286 |
| Noninterest income to average assets | 0.5744% | 3,633 |
| Noninterest expense to average assets | 2.3059% | 6,343 |
| Loan and lease loss provision to assets | 0.1917% | 5,313 |
| Net operating income to assets | 2.0444% | 265 |
| Return on assets (ROA) | 2.0444% | 275 |
| Pretax return on assets | 2.0490% | 437 |
| Return on Equity (ROE) | 11.0123% | 1,583 |
| Retained earnings to average equity (ytd only) | 5.3575% | 2,212 |
| Net charge-offs to loans | 0.2019% | 5,080 |
| Credit loss provision to net charge-offs | 179.8561% | 1,839 |
| Earnings coverage of net charge-offs (x) | 21.0216% | 981 |
| Efficiency ratio | 50.7168% | 7,074 |
| Assets per employee ($millions) | 4.4283% | 2,976 |
| Cash dividends to net income (ytd only)* | 51.3503% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 4,401 |
| Loan loss allowance to noncurrent loans | 79.6132% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 4,591 |
| Noncurrent loans to loans | 1.7893% | 3,832 |
| Net loans and leases to total assets | 51.4633% | 5,995 |
| Net loans and leases to deposits | 68.7036% | 5,004 |
| Net loans and leases to core deposits | 71.5254% | 5,266 |
| Total domestic deposits to total assets | 74.9063% | 6,782 |
| Equity capital to assets | 17.9737% | 374 |
| Core capital (leverage) ratio | 17.8079% | 342 |
| Tier 1 risk-based capital ratio | 33.2624% | 400 |
| Total risk-based capital ratio | 34.5137% | 387 |
| Memoranda: | ||
| Average total assets | $130,404,000 | 4,254 |
| Average earning assets | $124,126,800 | 4,151 |
| Average equity | $24,209,200 | 2,637 |
| Average total loans | $68,832,600 | 4,726 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2638% | 3,516 |
| Cost of funding earning assets | 1.1080% | 5,378 |
| Net interest margin | 4.1558% | 2,384 |
| Noninterest income to average assets | 0.5609% | 3,708 |
| Noninterest expense to average assets | 2.0987% | 6,849 |
| Loan and lease loss provision to assets | 0.1849% | 5,192 |
| Net operating income to assets | 2.2291% | 224 |
| Return on assets (ROA) | 2.2291% | 240 |
| Pretax return on assets | 2.2343% | 380 |
| Return on Equity (ROE) | 11.9103% | 1,531 |
| Retained earnings to average equity (ytd only) | 8.1287% | 1,382 |
| Net charge-offs to loans | 0.1708% | 4,943 |
| Credit loss provision to net charge-offs | 204.5455% | 1,735 |
| Earnings coverage of net charge-offs (x) | 26.7614% | 949 |
| Efficiency ratio | 46.4529% | 7,364 |
| Assets per employee ($millions) | 4.4590% | 2,970 |
| Cash dividends to net income (ytd only)* | 31.7510% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 4,438 |
| Loan loss allowance to noncurrent loans | 67.2211% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.3149% | 4,515 |
| Noncurrent loans to loans | 2.0875% | 3,582 |
| Net loans and leases to total assets | 50.9501% | 6,227 |
| Net loans and leases to deposits | 69.3241% | 5,232 |
| Net loans and leases to core deposits | 73.7787% | 5,320 |
| Total domestic deposits to total assets | 73.4956% | 6,990 |
| Equity capital to assets | 19.5044% | 320 |
| Core capital (leverage) ratio | 17.9198% | 357 |
| Tier 1 risk-based capital ratio | 32.1950% | 431 |
| Total risk-based capital ratio | 33.4461% | 420 |
| Memoranda: | ||
| Average total assets | $129,792,500 | 4,331 |
| Average earning assets | $123,583,750 | 4,209 |
| Average equity | $24,292,000 | 2,675 |
| Average total loans | $68,701,500 | 4,800 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2835% | 3,543 |
| Cost of funding earning assets | 1.1268% | 5,542 |
| Net interest margin | 4.1567% | 2,303 |
| Noninterest income to average assets | 0.5573% | 3,644 |
| Noninterest expense to average assets | 2.1360% | 6,805 |
| Loan and lease loss provision to assets | 0.1868% | 5,001 |
| Net operating income to assets | 2.1811% | 241 |
| Return on assets (ROA) | 2.1811% | 264 |
| Pretax return on assets | 2.1858% | 413 |
| Return on Equity (ROE) | 11.8266% | 1,495 |
| Retained earnings to average equity (ytd only) | 8.2896% | 1,341 |
| Net charge-offs to loans | 0.1429% | 4,796 |
| Credit loss provision to net charge-offs | 244.8980% | 1,572 |
| Earnings coverage of net charge-offs (x) | 31.1020% | 900 |
| Efficiency ratio | 47.3757% | 7,377 |
| Assets per employee ($millions) | 4.3493% | 3,127 |
| Cash dividends to net income (ytd only)* | 29.9072% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 4,505 |
| Loan loss allowance to noncurrent loans | 66.7604% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.3106% | 4,528 |
| Noncurrent loans to loans | 2.0733% | 3,628 |
| Net loans and leases to total assets | 51.8742% | 6,225 |
| Net loans and leases to deposits | 71.6676% | 5,047 |
| Net loans and leases to core deposits | 76.3948% | 5,152 |
| Total domestic deposits to total assets | 72.3818% | 7,149 |
| Equity capital to assets | 18.7226% | 361 |
| Core capital (leverage) ratio | 18.4400% | 328 |
| Tier 1 risk-based capital ratio | 31.1324% | 451 |
| Total risk-based capital ratio | 32.3767% | 447 |
| Memoranda: | ||
| Average total assets | $128,466,670 | 4,390 |
| Average earning assets | $122,117,000 | 4,267 |
| Average equity | $23,692,330 | 2,722 |
| Average total loans | $68,560,000 | 4,838 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3044% | 3,529 |
| Cost of funding earning assets | 1.1435% | 5,684 |
| Net interest margin | 4.1609% | 2,193 |
| Noninterest income to average assets | 0.5743% | 3,465 |
| Noninterest expense to average assets | 2.2438% | 6,568 |
| Loan and lease loss provision to assets | 0.1883% | 4,617 |
| Net operating income to assets | 2.0869% | 300 |
| Return on assets (ROA) | 2.0869% | 329 |
| Pretax return on assets | 2.0932% | 513 |
| Return on Equity (ROE) | 11.4046% | 1,668 |
| Retained earnings to average equity (ytd only) | 7.3058% | 2,015 |
| Net charge-offs to loans | -0.0175% | 7,037 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5839% | 7,343 |
| Assets per employee ($millions) | 4.2013% | 3,459 |
| Cash dividends to net income (ytd only)* | 35.9398% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 4,548 |
| Loan loss allowance to noncurrent loans | 66.7376% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 4,499 |
| Noncurrent loans to loans | 2.0596% | 3,706 |
| Net loans and leases to total assets | 53.5704% | 6,082 |
| Net loans and leases to deposits | 74.8606% | 4,613 |
| Net loans and leases to core deposits | 77.3316% | 5,102 |
| Total domestic deposits to total assets | 71.5602% | 7,308 |
| Equity capital to assets | 18.7102% | 359 |
| Core capital (leverage) ratio | 18.0521% | 371 |
| Tier 1 risk-based capital ratio | 31.1898% | 467 |
| Total risk-based capital ratio | 32.4394% | 458 |
| Memoranda: | ||
| Average total assets | $127,460,500 | 4,471 |
| Average earning assets | $121,031,000 | 4,348 |
| Average equity | $23,324,000 | 2,790 |
| Average total loans | $68,522,500 | 4,912 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5837% | 3,689 |
| Cost of funding earning assets | 1.4335% | 5,788 |
| Net interest margin | 4.1501% | 2,243 |
| Noninterest income to average assets | 0.5682% | 3,880 |
| Noninterest expense to average assets | 2.5370% | 6,001 |
| Loan and lease loss provision to assets | 0.2035% | 5,713 |
| Net operating income to assets | 1.7661% | 384 |
| Return on assets (ROA) | 1.9169% | 289 |
| Pretax return on assets | 1.9177% | 489 |
| Return on Equity (ROE) | 10.7409% | 1,492 |
| Retained earnings to average equity (ytd only) | 6.0993% | 1,318 |
| Net charge-offs to loans | 0.1111% | 6,044 |
| Credit loss provision to net charge-offs | 340.0000% | 952 |
| Earnings coverage of net charge-offs (x) | 32.9200% | 705 |
| Efficiency ratio | 56.2854% | 6,978 |
| Assets per employee ($millions) | 4.1575% | 3,509 |
| Cash dividends to net income (ytd only)* | 43.2140% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 4,873 |
| Loan loss allowance to noncurrent loans | 130.2671% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8077% | 5,486 |
| Noncurrent loans to loans | 0.9827% | 5,354 |
| Net loans and leases to total assets | 52.5337% | 6,361 |
| Net loans and leases to deposits | 74.3755% | 4,974 |
| Net loans and leases to core deposits | 86.0460% | 5,518 |
| Total domestic deposits to total assets | 70.6331% | 7,366 |
| Equity capital to assets | 17.8969% | 453 |
| Core capital (leverage) ratio | 17.6329% | 426 |
| Tier 1 risk-based capital ratio | 30.4431% | 498 |
| Total risk-based capital ratio | 31.6161% | 491 |
| Memoranda: | ||
| Average total assets | $125,304,800 | 4,439 |
| Average earning assets | $118,935,800 | 4,332 |
| Average equity | $22,363,200 | 2,902 |
| Average total loans | $67,534,800 | 4,959 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6110% | 3,802 |
| Cost of funding earning assets | 1.4829% | 5,894 |
| Net interest margin | 4.1282% | 2,295 |
| Noninterest income to average assets | 0.5551% | 4,041 |
| Noninterest expense to average assets | 2.3266% | 6,634 |
| Loan and lease loss provision to assets | 0.2465% | 4,980 |
| Net operating income to assets | 1.9023% | 356 |
| Return on assets (ROA) | 2.1048% | 254 |
| Pretax return on assets | 2.1048% | 437 |
| Return on Equity (ROE) | 11.8021% | 1,417 |
| Retained earnings to average equity (ytd only) | 8.3288% | 1,034 |
| Net charge-offs to loans | 0.1387% | 5,317 |
| Credit loss provision to net charge-offs | 328.5714% | 1,253 |
| Earnings coverage of net charge-offs (x) | 28.6432% | 963 |
| Efficiency ratio | 51.9875% | 7,417 |
| Assets per employee ($millions) | 4.0153% | 3,702 |
| Cash dividends to net income (ytd only)* | 29.4298% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 4,744 |
| Loan loss allowance to noncurrent loans | 94.5916% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 4,803 |
| Noncurrent loans to loans | 1.3338% | 4,706 |
| Net loans and leases to total assets | 52.1975% | 6,583 |
| Net loans and leases to deposits | 71.2602% | 5,764 |
| Net loans and leases to core deposits | 82.6357% | 6,144 |
| Total domestic deposits to total assets | 73.2491% | 7,057 |
| Equity capital to assets | 18.5712% | 462 |
| Core capital (leverage) ratio | 17.7904% | 467 |
| Tier 1 risk-based capital ratio | 31.2423% | 506 |
| Total risk-based capital ratio | 32.4161% | 496 |
| Memoranda: | ||
| Average total assets | $124,410,250 | 4,489 |
| Average earning assets | $118,145,000 | 4,385 |
| Average equity | $22,187,500 | 2,951 |
| Average total loans | $67,272,250 | 5,012 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5797% | 4,168 |
| Cost of funding earning assets | 1.5314% | 6,013 |
| Net interest margin | 4.0483% | 2,509 |
| Noninterest income to average assets | 0.6079% | 3,630 |
| Noninterest expense to average assets | 2.2674% | 6,856 |
| Loan and lease loss provision to assets | 0.2926% | 4,227 |
| Net operating income to assets | 1.8919% | 380 |
| Return on assets (ROA) | 2.0951% | 266 |
| Pretax return on assets | 2.0967% | 437 |
| Return on Equity (ROE) | 11.9190% | 1,439 |
| Retained earnings to average equity (ytd only) | 7.7580% | 1,292 |
| Net charge-offs to loans | 0.2058% | 4,234 |
| Credit loss provision to net charge-offs | 260.8696% | 1,786 |
| Earnings coverage of net charge-offs (x) | 19.4928% | 1,364 |
| Efficiency ratio | 50.9124% | 7,602 |
| Assets per employee ($millions) | 4.0241% | 3,632 |
| Cash dividends to net income (ytd only)* | 34.9108% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 4,735 |
| Loan loss allowance to noncurrent loans | 67.5292% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.4109% | 4,136 |
| Noncurrent loans to loans | 1.8236% | 3,778 |
| Net loans and leases to total assets | 52.0145% | 6,693 |
| Net loans and leases to deposits | 70.5513% | 5,924 |
| Net loans and leases to core deposits | 81.4803% | 6,287 |
| Total domestic deposits to total assets | 73.7258% | 6,992 |
| Equity capital to assets | 17.6928% | 582 |
| Core capital (leverage) ratio | 18.0765% | 506 |
| Tier 1 risk-based capital ratio | 30.5878% | 567 |
| Total risk-based capital ratio | 31.6993% | 560 |
| Memoranda: | ||
| Average total assets | $123,050,670 | 4,557 |
| Average earning assets | $116,887,330 | 4,447 |
| Average equity | $21,629,330 | 3,019 |
| Average total loans | $67,054,670 | 5,071 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6677% | 3,954 |
| Cost of funding earning assets | 1.5883% | 6,079 |
| Net interest margin | 4.0794% | 2,360 |
| Noninterest income to average assets | 0.6121% | 3,459 |
| Noninterest expense to average assets | 2.3207% | 6,465 |
| Loan and lease loss provision to assets | 0.3437% | 3,267 |
| Net operating income to assets | 1.8330% | 497 |
| Return on assets (ROA) | 2.2356% | 251 |
| Pretax return on assets | 2.2258% | 417 |
| Return on Equity (ROE) | 12.7613% | 1,446 |
| Retained earnings to average equity (ytd only) | 12.4437% | 725 |
| Net charge-offs to loans | 0.0472% | 4,819 |
| Credit loss provision to net charge-offs | 1,312.5000% | 479 |
| Earnings coverage of net charge-offs (x) | 82.7500% | 509 |
| Efficiency ratio | 51.7141% | 7,446 |
| Assets per employee ($millions) | 3.9287% | 3,813 |
| Cash dividends to net income (ytd only)* | 2.4890% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 5,058 |
| Loan loss allowance to noncurrent loans | 60.6407% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.4147% | 3,822 |
| Noncurrent loans to loans | 1.9121% | 3,391 |
| Net loans and leases to total assets | 55.6425% | 6,294 |
| Net loans and leases to deposits | 74.6209% | 5,407 |
| Net loans and leases to core deposits | 88.8049% | 5,668 |
| Total domestic deposits to total assets | 74.5669% | 6,791 |
| Equity capital to assets | 17.8594% | 620 |
| Core capital (leverage) ratio | 17.9620% | 558 |
| Tier 1 risk-based capital ratio | 30.0601% | 616 |
| Total risk-based capital ratio | 31.1420% | 611 |
| Memoranda: | ||
| Average total assets | $122,203,000 | 4,592 |
| Average earning assets | $116,096,500 | 4,478 |
| Average equity | $21,408,500 | 3,060 |
| Average total loans | $67,734,500 | 5,062 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1672% | 4,684 |
| Cost of funding earning assets | 1.9950% | 6,428 |
| Net interest margin | 4.1722% | 2,427 |
| Noninterest income to average assets | 1.0712% | 1,371 |
| Noninterest expense to average assets | 2.4269% | 6,307 |
| Loan and lease loss provision to assets | 0.2237% | 4,651 |
| Net operating income to assets | 2.3813% | 162 |
| Return on assets (ROA) | 2.3813% | 160 |
| Pretax return on assets | 2.3644% | 265 |
| Return on Equity (ROE) | 13.4491% | 1,225 |
| Retained earnings to average equity (ytd only) | 2.4076% | 3,703 |
| Net charge-offs to loans | 0.8027% | 1,550 |
| Credit loss provision to net charge-offs | 48.4461% | 6,369 |
| Earnings coverage of net charge-offs (x) | 5.6051% | 3,587 |
| Efficiency ratio | 48.3925% | 7,774 |
| Assets per employee ($millions) | 3.9554% | 3,610 |
| Cash dividends to net income (ytd only)* | 82.0985% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 5,684 |
| Loan loss allowance to noncurrent loans | 64.4506% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.2193% | 3,798 |
| Noncurrent loans to loans | 1.6187% | 3,342 |
| Net loans and leases to total assets | 53.9970% | 6,652 |
| Net loans and leases to deposits | 75.3060% | 5,682 |
| Net loans and leases to core deposits | 89.4958% | 5,846 |
| Total domestic deposits to total assets | 71.7035% | 7,053 |
| Equity capital to assets | 17.1805% | 762 |
| Core capital (leverage) ratio | 17.6167% | 641 |
| Tier 1 risk-based capital ratio | 29.6460% | 658 |
| Total risk-based capital ratio | 30.6119% | 661 |
| Memoranda: | ||
| Average total assets | $118,463,600 | 4,562 |
| Average earning assets | $111,979,600 | 4,475 |
| Average equity | $20,975,400 | 3,098 |
| Average total loans | $68,144,000 | 4,940 |