Home > State Bank > Performance and Condition Ratios
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 | 4.2399% | 3,549 |
| Cost of funding earning assets | 1.8205% | 1,215 |
| Net interest margin | 2.4193% | 4,170 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.3022% | 2,850 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.2158% | 4,148 |
| Return on assets (ROA) | 0.2158% | 4,161 |
| Pretax return on assets | 0.2407% | 4,150 |
| Return on Equity (ROE) | 4.1000% | 3,870 |
| Retained earnings to average equity (ytd only) | 0.7223% | 3,894 |
| Net charge-offs to loans | 0.0112% | 2,230 |
| Credit loss provision to net charge-offs | 1,071.4286% | 388 |
| Earnings coverage of net charge-offs (x) | 47.5238% | 1,326 |
| Efficiency ratio | 88.1077% | 482 |
| Assets per employee ($millions) | 6.5689% | 2,366 |
| Cash dividends to net income (ytd only)* | 82.3954% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 1,130 |
| Loan loss allowance to noncurrent loans | 83.6703% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0392% | 465 |
| Noncurrent loans to loans | 1.7614% | 347 |
| Net loans and leases to total assets | 56.7200% | 3,142 |
| Net loans and leases to deposits | 76.0062% | 2,452 |
| Net loans and leases to core deposits | 85.5816% | 2,336 |
| Total domestic deposits to total assets | 74.6300% | 4,059 |
| Equity capital to assets | 5.6447% | 4,311 |
| Core capital (leverage) ratio | 7.9870% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5846% | 2,696 |
| Memoranda: | ||
| Average total assets | $321,177,000 | 2,312 |
| Average earning assets | $300,246,000 | 2,305 |
| Average equity | $16,890,400 | 3,103 |
| Average total loans | $187,419,800 | 2,375 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 3,531 |
| Cost of funding earning assets | 1.7253% | 1,138 |
| Net interest margin | 2.4387% | 4,195 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.2616% | 2,911 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.2442% | 4,185 |
| Return on assets (ROA) | 0.2442% | 4,195 |
| Pretax return on assets | 0.2787% | 4,187 |
| Return on Equity (ROE) | 4.7300% | 3,861 |
| Retained earnings to average equity (ytd only) | 4.7311% | 3,030 |
| Net charge-offs to loans | 0.0142% | 1,887 |
| Credit loss provision to net charge-offs | 1,125.0000% | 378 |
| Earnings coverage of net charge-offs (x) | 44.8000% | 1,381 |
| Efficiency ratio | 85.8697% | 523 |
| Assets per employee ($millions) | 6.7048% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 1,204 |
| Loan loss allowance to noncurrent loans | 87.5922% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0155% | 505 |
| Noncurrent loans to loans | 1.6741% | 406 |
| Net loans and leases to total assets | 58.2500% | 3,012 |
| Net loans and leases to deposits | 77.6144% | 2,279 |
| Net loans and leases to core deposits | 87.4098% | 2,098 |
| Total domestic deposits to total assets | 75.0600% | 4,089 |
| Equity capital to assets | 5.0247% | 4,244 |
| Core capital (leverage) ratio | 8.1530% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6811% | 2,687 |
| Memoranda: | ||
| Average total assets | $321,001,750 | 2,315 |
| Average earning assets | $299,773,000 | 2,313 |
| Average equity | $16,570,750 | 3,111 |
| Average total loans | $187,947,250 | 2,380 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 3,604 |
| Cost of funding earning assets | 1.6007% | 1,069 |
| Net interest margin | 2.4398% | 4,270 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.3322% | 2,707 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.1598% | 4,325 |
| Return on assets (ROA) | 0.1598% | 4,351 |
| Pretax return on assets | 0.1647% | 4,353 |
| Return on Equity (ROE) | 3.0700% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.0684% | 3,458 |
| Net charge-offs to loans | 0.0042% | 2,148 |
| Credit loss provision to net charge-offs | 5,625.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 122.7500% | 832 |
| Efficiency ratio | 88.4661% | 408 |
| Assets per employee ($millions) | 6.9424% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,307 |
| Loan loss allowance to noncurrent loans | 88.1052% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.0020% | 461 |
| Noncurrent loans to loans | 1.6574% | 382 |
| Net loans and leases to total assets | 58.0700% | 2,957 |
| Net loans and leases to deposits | 77.3378% | 2,190 |
| Net loans and leases to core deposits | 87.2751% | 1,986 |
| Total domestic deposits to total assets | 75.0800% | 4,109 |
| Equity capital to assets | 5.2707% | 4,332 |
| Core capital (leverage) ratio | 7.9605% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4840% | 2,770 |
| Memoranda: | ||
| Average total assets | $322,960,333 | 2,310 |
| Average earning assets | $301,750,667 | 2,300 |
| Average equity | $16,816,333 | 3,120 |
| Average total loans | $188,495,000 | 2,364 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 3,818 |
| Cost of funding earning assets | 1.3266% | 1,177 |
| Net interest margin | 2.4940% | 4,312 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.6013% | 1,947 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.0135% | 4,473 |
| Return on assets (ROA) | 0.0135% | 4,459 |
| Pretax return on assets | -0.0382% | 4,478 |
| Return on Equity (ROE) | 0.2600% | 4,433 |
| Retained earnings to average equity (ytd only) | 0.2618% | 3,980 |
| Net charge-offs to loans | 0.0106% | 1,541 |
| Credit loss provision to net charge-offs | 1,800.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 11.8000% | 1,627 |
| Efficiency ratio | 97.2824% | 206 |
| Assets per employee ($millions) | 7.1410% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 1,775 |
| Loan loss allowance to noncurrent loans | 82.0867% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.9722% | 431 |
| Noncurrent loans to loans | 1.6584% | 380 |
| Net loans and leases to total assets | 56.3900% | 3,015 |
| Net loans and leases to deposits | 79.8237% | 1,830 |
| Net loans and leases to core deposits | 88.7995% | 1,689 |
| Total domestic deposits to total assets | 70.6400% | 4,399 |
| Equity capital to assets | 5.0357% | 4,417 |
| Core capital (leverage) ratio | 7.9269% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1970% | 2,918 |
| Memoranda: | ||
| Average total assets | $324,765,500 | 2,336 |
| Average earning assets | $303,930,500 | 2,324 |
| Average equity | $16,808,500 | 3,143 |
| Average total loans | $188,647,000 | 2,385 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2630% | 3,679 |
| Cost of funding earning assets | 0.7676% | 437 |
| Net interest margin | 2.4954% | 4,295 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.2543% | 2,879 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.3522% | 4,308 |
| Return on assets (ROA) | 0.3522% | 4,275 |
| Pretax return on assets | 0.4229% | 4,256 |
| Return on Equity (ROE) | 6.0600% | 3,814 |
| Retained earnings to average equity (ytd only) | 2.4549% | 3,872 |
| Net charge-offs to loans | 0.0819% | 838 |
| Credit loss provision to net charge-offs | 127.7372% | 1,419 |
| Earnings coverage of net charge-offs (x) | 10.8029% | 2,177 |
| Efficiency ratio | 82.4582% | 569 |
| Assets per employee ($millions) | 6.0366% | 2,731 |
| Cash dividends to net income (ytd only)* | 59.5216% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 1,641 |
| Loan loss allowance to noncurrent loans | 79.5655% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.0344% | 416 |
| Noncurrent loans to loans | 1.7129% | 363 |
| Net loans and leases to total assets | 58.2600% | 2,797 |
| Net loans and leases to deposits | 77.9436% | 1,954 |
| Net loans and leases to core deposits | 87.1633% | 1,669 |
| Total domestic deposits to total assets | 74.7500% | 4,329 |
| Equity capital to assets | 5.3252% | 4,283 |
| Core capital (leverage) ratio | 8.1807% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8345% | 2,779 |
| Memoranda: | ||
| Average total assets | $308,610,000 | 2,411 |
| Average earning assets | $288,816,000 | 2,395 |
| Average equity | $17,923,200 | 3,130 |
| Average total loans | $167,259,200 | 2,484 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1077% | 3,659 |
| Cost of funding earning assets | 0.7023% | 268 |
| Net interest margin | 2.4054% | 4,319 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.2432% | 2,810 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.3241% | 4,351 |
| Return on assets (ROA) | 0.3241% | 4,306 |
| Pretax return on assets | 0.3818% | 4,288 |
| Return on Equity (ROE) | 5.4600% | 3,891 |
| Retained earnings to average equity (ytd only) | 5.4649% | 2,932 |
| Net charge-offs to loans | 0.1106% | 567 |
| Credit loss provision to net charge-offs | 74.0741% | 1,440 |
| Earnings coverage of net charge-offs (x) | 7.2593% | 2,084 |
| Efficiency ratio | 84.0650% | 543 |
| Assets per employee ($millions) | 6.0808% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 1,874 |
| Loan loss allowance to noncurrent loans | 82.5151% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.9819% | 458 |
| Noncurrent loans to loans | 1.6161% | 419 |
| Net loans and leases to total assets | 58.5500% | 2,640 |
| Net loans and leases to deposits | 77.3969% | 1,765 |
| Net loans and leases to core deposits | 85.3897% | 1,559 |
| Total domestic deposits to total assets | 75.6500% | 4,382 |
| Equity capital to assets | 5.0271% | 4,291 |
| Core capital (leverage) ratio | 8.3573% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0032% | 3,038 |
| Memoranda: | ||
| Average total assets | $307,286,250 | 2,430 |
| Average earning assets | $287,618,250 | 2,416 |
| Average equity | $18,225,000 | 3,145 |
| Average total loans | $162,719,000 | 2,521 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9672% | 3,635 |
| Cost of funding earning assets | 0.6848% | 171 |
| Net interest margin | 2.2823% | 4,348 |
| Noninterest income to average assets | 0.3650% | 2,959 |
| Noninterest expense to average assets | 2.2922% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2011% | 4,419 |
| Return on assets (ROA) | 0.2011% | 4,380 |
| Pretax return on assets | 0.2050% | 4,407 |
| Return on Equity (ROE) | 3.2246% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.2246% | 3,378 |
| Net charge-offs to loans | 0.1709% | 374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2.3609% | 2,034 |
| Efficiency ratio | 91.7908% | 349 |
| Assets per employee ($millions) | 6.0191% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 1,769 |
| Loan loss allowance to noncurrent loans | 78.0908% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 447 |
| Noncurrent loans to loans | 1.7885% | 374 |
| Net loans and leases to total assets | 55.2695% | 2,826 |
| Net loans and leases to deposits | 66.9302% | 2,473 |
| Net loans and leases to core deposits | 76.6795% | 1,960 |
| Total domestic deposits to total assets | 82.5779% | 3,934 |
| Equity capital to assets | 4.8615% | 4,502 |
| Core capital (leverage) ratio | 7.6501% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5447% | 3,065 |
| Memoranda: | ||
| Average total assets | $306,342,000 | 2,456 |
| Average earning assets | $286,198,667 | 2,454 |
| Average equity | $19,103,333 | 3,144 |
| Average total loans | $155,617,333 | 2,588 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7937% | 3,756 |
| Cost of funding earning assets | 0.6839% | 165 |
| Net interest margin | 2.1098% | 4,435 |
| Noninterest income to average assets | 0.3754% | 2,838 |
| Noninterest expense to average assets | 2.2729% | 2,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1100% | 4,452 |
| Return on assets (ROA) | 0.1100% | 4,420 |
| Pretax return on assets | 0.0790% | 4,464 |
| Return on Equity (ROE) | 1.5933% | 4,327 |
| Retained earnings to average equity (ytd only) | 1.5933% | 3,658 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6428% | 311 |
| Assets per employee ($millions) | 6.1198% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 1,158 |
| Loan loss allowance to noncurrent loans | 780.2508% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 2,935 |
| Noncurrent loans to loans | 0.2114% | 2,765 |
| Net loans and leases to total assets | 47.5592% | 3,432 |
| Net loans and leases to deposits | 59.3964% | 2,960 |
| Net loans and leases to core deposits | 68.0710% | 2,453 |
| Total domestic deposits to total assets | 80.0708% | 4,287 |
| Equity capital to assets | 6.1613% | 4,548 |
| Core capital (leverage) ratio | 7.5056% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8162% | 3,059 |
| Memoranda: | ||
| Average total assets | $309,035,000 | 2,457 |
| Average earning assets | $289,503,500 | 2,446 |
| Average equity | $21,339,500 | 3,029 |
| Average total loans | $149,079,500 | 2,639 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1797% | 3,518 |
| Cost of funding earning assets | 0.8400% | 161 |
| Net interest margin | 2.3397% | 4,381 |
| Noninterest income to average assets | 0.6258% | 2,044 |
| Noninterest expense to average assets | 2.4790% | 2,247 |
| Loan and lease loss provision to assets | 0.0287% | 2,481 |
| Net operating income to assets | 0.2671% | 4,462 |
| Return on assets (ROA) | 0.2777% | 4,471 |
| Pretax return on assets | 0.3225% | 4,472 |
| Return on Equity (ROE) | 3.3218% | 4,316 |
| Retained earnings to average equity (ytd only) | 1.3086% | 4,171 |
| Net charge-offs to loans | -0.1115% | 4,601 |
| Credit loss provision to net charge-offs | -50.3067% | 3,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9696% | 389 |
| Assets per employee ($millions) | 5.8838% | 2,877 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 1,068 |
| Loan loss allowance to noncurrent loans | 756.5350% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 3,024 |
| Noncurrent loans to loans | 0.2235% | 2,842 |
| Net loans and leases to total assets | 47.3081% | 3,567 |
| Net loans and leases to deposits | 60.4268% | 3,040 |
| Net loans and leases to core deposits | 69.7871% | 2,473 |
| Total domestic deposits to total assets | 78.2900% | 4,367 |
| Equity capital to assets | 7.6641% | 4,523 |
| Core capital (leverage) ratio | 7.6269% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1218% | 3,033 |
| Memoranda: | ||
| Average total assets | $285,235,200 | 2,505 |
| Average earning assets | $267,255,800 | 2,510 |
| Average equity | $23,842,800 | 2,922 |
| Average total loans | $146,147,800 | 2,664 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3007% | 3,388 |
| Cost of funding earning assets | 0.8747% | 177 |
| Net interest margin | 2.4259% | 4,368 |
| Noninterest income to average assets | 0.6799% | 1,890 |
| Noninterest expense to average assets | 2.5104% | 2,089 |
| Loan and lease loss provision to assets | 0.0389% | 2,216 |
| Net operating income to assets | 0.3237% | 4,483 |
| Return on assets (ROA) | 0.3371% | 4,491 |
| Pretax return on assets | 0.4194% | 4,470 |
| Return on Equity (ROE) | 3.9429% | 4,312 |
| Retained earnings to average equity (ytd only) | 3.9429% | 3,596 |
| Net charge-offs to loans | -0.1517% | 4,729 |
| Credit loss provision to net charge-offs | -49.3976% | 3,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0347% | 473 |
| Assets per employee ($millions) | 5.7076% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6708% | 1,171 |
| Loan loss allowance to noncurrent loans | 734.8083% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 3,191 |
| Noncurrent loans to loans | 0.2274% | 3,030 |
| Net loans and leases to total assets | 49.3927% | 3,480 |
| Net loans and leases to deposits | 63.9805% | 2,853 |
| Net loans and leases to core deposits | 74.5065% | 2,185 |
| Total domestic deposits to total assets | 77.1996% | 4,480 |
| Equity capital to assets | 8.1803% | 4,423 |
| Core capital (leverage) ratio | 7.8527% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6791% | 3,020 |
| Memoranda: | ||
| Average total assets | $280,054,000 | 2,557 |
| Average earning assets | $262,324,250 | 2,558 |
| Average equity | $23,941,250 | 2,946 |
| Average total loans | $145,876,500 | 2,709 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 2,951 |
| Cost of funding earning assets | 0.8965% | 192 |
| Net interest margin | 2.5805% | 4,196 |
| Noninterest income to average assets | 0.7374% | 1,695 |
| Noninterest expense to average assets | 2.5977% | 1,862 |
| Loan and lease loss provision to assets | 0.0291% | 2,395 |
| Net operating income to assets | 0.4234% | 4,340 |
| Return on assets (ROA) | 0.4438% | 4,353 |
| Pretax return on assets | 0.5523% | 4,306 |
| Return on Equity (ROE) | 5.1115% | 4,106 |
| Retained earnings to average equity (ytd only) | 5.1115% | 3,142 |
| Net charge-offs to loans | -0.1284% | 4,693 |
| Credit loss provision to net charge-offs | -43.0108% | 2,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3706% | 646 |
| Assets per employee ($millions) | 5.4839% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 1,363 |
| Loan loss allowance to noncurrent loans | 685.0144% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 3,034 |
| Noncurrent loans to loans | 0.2288% | 3,143 |
| Net loans and leases to total assets | 50.4020% | 3,520 |
| Net loans and leases to deposits | 65.2858% | 2,880 |
| Net loans and leases to core deposits | 77.7228% | 2,072 |
| Total domestic deposits to total assets | 77.2022% | 4,503 |
| Equity capital to assets | 8.1083% | 4,475 |
| Core capital (leverage) ratio | 7.9400% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8729% | 2,980 |
| Memoranda: | ||
| Average total assets | $274,473,000 | 2,582 |
| Average earning assets | $257,005,000 | 2,580 |
| Average equity | $23,828,667 | 2,949 |
| Average total loans | $144,806,333 | 2,735 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9816% | 4,127 |
| Cost of funding earning assets | 0.9127% | 207 |
| Net interest margin | 2.0689% | 4,697 |
| Noninterest income to average assets | 1.5582% | 570 |
| Noninterest expense to average assets | 2.7446% | 1,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7753% | 3,498 |
| Return on assets (ROA) | 0.7753% | 3,570 |
| Pretax return on assets | 0.7465% | 3,918 |
| Return on Equity (ROE) | 8.6108% | 3,155 |
| Retained earnings to average equity (ytd only) | 8.6108% | 2,058 |
| Net charge-offs to loans | -0.2574% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6180% | 919 |
| Assets per employee ($millions) | 5.5904% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 1,196 |
| Loan loss allowance to noncurrent loans | 654.3417% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 3,210 |
| Noncurrent loans to loans | 0.2504% | 3,201 |
| Net loans and leases to total assets | 48.2350% | 3,790 |
| Net loans and leases to deposits | 62.3581% | 3,284 |
| Net loans and leases to core deposits | 74.4669% | 2,473 |
| Total domestic deposits to total assets | 77.3516% | 4,493 |
| Equity capital to assets | 8.1871% | 4,370 |
| Core capital (leverage) ratio | 8.9654% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9042% | 2,703 |
| Memoranda: | ||
| Average total assets | $263,645,000 | 2,639 |
| Average earning assets | $246,313,000 | 2,637 |
| Average equity | $23,737,500 | 2,949 |
| Average total loans | $141,393,500 | 2,767 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 3,272 |
| Cost of funding earning assets | 1.1241% | 365 |
| Net interest margin | 2.6863% | 4,394 |
| Noninterest income to average assets | 0.9961% | 1,046 |
| Noninterest expense to average assets | 2.7361% | 2,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5854% | 3,798 |
| Return on assets (ROA) | 0.5854% | 3,903 |
| Pretax return on assets | 0.7495% | 3,763 |
| Return on Equity (ROE) | 6.5428% | 3,392 |
| Retained earnings to average equity (ytd only) | 5.7803% | 1,910 |
| Net charge-offs to loans | -0.2270% | 4,909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4978% | 996 |
| Assets per employee ($millions) | 4.5498% | 3,869 |
| Cash dividends to net income (ytd only)* | 11.6535% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 1,296 |
| Loan loss allowance to noncurrent loans | 795.7447% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 3,267 |
| Noncurrent loans to loans | 0.2011% | 3,492 |
| Net loans and leases to total assets | 58.3237% | 3,049 |
| Net loans and leases to deposits | 76.3145% | 2,250 |
| Net loans and leases to core deposits | 82.1426% | 2,180 |
| Total domestic deposits to total assets | 76.4255% | 4,475 |
| Equity capital to assets | 10.0068% | 3,129 |
| Core capital (leverage) ratio | 9.7459% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4814% | 2,453 |
| Memoranda: | ||
| Average total assets | $216,947,600 | 2,818 |
| Average earning assets | $201,057,400 | 2,816 |
| Average equity | $19,410,600 | 3,242 |
| Average total loans | $135,259,000 | 2,801 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 3,165 |
| Cost of funding earning assets | 1.1463% | 447 |
| Net interest margin | 2.7843% | 4,362 |
| Noninterest income to average assets | 0.9860% | 1,044 |
| Noninterest expense to average assets | 2.6982% | 2,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6747% | 3,541 |
| Return on assets (ROA) | 0.6747% | 3,655 |
| Pretax return on assets | 0.8690% | 3,469 |
| Return on Equity (ROE) | 7.7987% | 2,881 |
| Retained earnings to average equity (ytd only) | 7.7987% | 1,370 |
| Net charge-offs to loans | -0.3064% | 4,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6390% | 1,240 |
| Assets per employee ($millions) | 4.9801% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 1,154 |
| Loan loss allowance to noncurrent loans | 1,675.3731% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 3,685 |
| Noncurrent loans to loans | 0.0944% | 3,988 |
| Net loans and leases to total assets | 60.9857% | 3,113 |
| Net loans and leases to deposits | 78.8759% | 2,442 |
| Net loans and leases to core deposits | 85.2940% | 2,361 |
| Total domestic deposits to total assets | 77.3185% | 4,286 |
| Equity capital to assets | 8.7046% | 4,327 |
| Core capital (leverage) ratio | 8.4750% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7421% | 2,978 |
| Memoranda: | ||
| Average total assets | $212,037,000 | 2,832 |
| Average earning assets | $196,575,250 | 2,842 |
| Average equity | $18,344,500 | 3,336 |
| Average total loans | $134,015,750 | 2,824 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 2,948 |
| Cost of funding earning assets | 1.1584% | 594 |
| Net interest margin | 2.9780% | 4,174 |
| Noninterest income to average assets | 1.0555% | 891 |
| Noninterest expense to average assets | 2.7622% | 2,181 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8132% | 2,997 |
| Return on assets (ROA) | 0.8132% | 3,115 |
| Pretax return on assets | 1.0564% | 2,851 |
| Return on Equity (ROE) | 9.4204% | 2,190 |
| Retained earnings to average equity (ytd only) | 9.4204% | 904 |
| Net charge-offs to loans | -0.4674% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3350% | 1,637 |
| Assets per employee ($millions) | 5.1649% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 858 |
| Loan loss allowance to noncurrent loans | 1,615.1079% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 3,328 |
| Noncurrent loans to loans | 0.1038% | 4,035 |
| Net loans and leases to total assets | 59.2875% | 3,400 |
| Net loans and leases to deposits | 77.3662% | 2,722 |
| Net loans and leases to core deposits | 81.9839% | 2,780 |
| Total domestic deposits to total assets | 76.6323% | 4,363 |
| Equity capital to assets | 8.8379% | 4,222 |
| Core capital (leverage) ratio | 8.8803% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6558% | 2,752 |
| Memoranda: | ||
| Average total assets | $206,354,333 | 2,850 |
| Average earning assets | $191,467,667 | 2,865 |
| Average equity | $17,812,333 | 3,384 |
| Average total loans | $131,369,667 | 2,850 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 1,265 |
| Cost of funding earning assets | 1.1876% | 807 |
| Net interest margin | 3.6852% | 2,374 |
| Noninterest income to average assets | 0.6288% | 1,907 |
| Noninterest expense to average assets | 2.9846% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8001% | 2,908 |
| Return on assets (ROA) | 0.8001% | 2,998 |
| Pretax return on assets | 1.0399% | 2,703 |
| Return on Equity (ROE) | 9.3939% | 1,959 |
| Retained earnings to average equity (ytd only) | 9.3939% | 871 |
| Net charge-offs to loans | -0.9531% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1612% | 1,792 |
| Assets per employee ($millions) | 4.9105% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7214% | 839 |
| Loan loss allowance to noncurrent loans | 1,583.0986% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 3,342 |
| Noncurrent loans to loans | 0.1087% | 4,081 |
| Net loans and leases to total assets | 63.7464% | 3,096 |
| Net loans and leases to deposits | 82.5757% | 2,376 |
| Net loans and leases to core deposits | 87.6771% | 2,548 |
| Total domestic deposits to total assets | 77.1975% | 4,325 |
| Equity capital to assets | 8.8383% | 4,677 |
| Core capital (leverage) ratio | 9.4470% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9872% | 2,707 |
| Memoranda: | ||
| Average total assets | $198,487,000 | 2,888 |
| Average earning assets | $182,895,500 | 2,891 |
| Average equity | $16,904,500 | 3,482 |
| Average total loans | $130,096,500 | 2,832 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 3,595 |
| Cost of funding earning assets | 1.0669% | 1,444 |
| Net interest margin | 3.2121% | 4,159 |
| Noninterest income to average assets | 0.6100% | 2,172 |
| Noninterest expense to average assets | 3.0214% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4377% | 4,523 |
| Return on assets (ROA) | 0.4377% | 4,558 |
| Pretax return on assets | 0.5447% | 4,501 |
| Return on Equity (ROE) | 5.0044% | 4,204 |
| Retained earnings to average equity (ytd only) | 3.1104% | 3,467 |
| Net charge-offs to loans | -0.0796% | 4,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7265% | 620 |
| Assets per employee ($millions) | 4.6582% | 3,009 |
| Cash dividends to net income (ytd only)* | 37.8481% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 1,247 |
| Loan loss allowance to noncurrent loans | 3,124.1935% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 4,288 |
| Noncurrent loans to loans | 0.0478% | 4,361 |
| Net loans and leases to total assets | 65.2549% | 3,042 |
| Net loans and leases to deposits | 84.5528% | 2,273 |
| Net loans and leases to core deposits | 89.4322% | 2,473 |
| Total domestic deposits to total assets | 77.1765% | 4,472 |
| Equity capital to assets | 8.1857% | 5,014 |
| Core capital (leverage) ratio | 8.2731% | 4,954 |
| Tier 1 risk-based capital ratio | 10.3509% | 5,063 |
| Total risk-based capital ratio | 11.5975% | 5,001 |
| Memoranda: | ||
| Average total assets | $180,479,600 | 3,018 |
| Average earning assets | $166,091,200 | 3,031 |
| Average equity | $15,786,000 | 3,566 |
| Average total loans | $123,096,000 | 2,910 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2707% | 3,746 |
| Cost of funding earning assets | 1.0177% | 1,692 |
| Net interest margin | 3.2530% | 4,177 |
| Noninterest income to average assets | 0.5788% | 2,313 |
| Noninterest expense to average assets | 3.0343% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4347% | 4,650 |
| Return on assets (ROA) | 0.4347% | 4,683 |
| Pretax return on assets | 0.5403% | 4,636 |
| Return on Equity (ROE) | 4.8827% | 4,360 |
| Retained earnings to average equity (ytd only) | 4.5436% | 3,124 |
| Net charge-offs to loans | -0.0922% | 4,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8849% | 560 |
| Assets per employee ($millions) | 4.6409% | 2,985 |
| Cash dividends to net income (ytd only)* | 6.9442% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 1,245 |
| Loan loss allowance to noncurrent loans | 1,152.0958% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 3,881 |
| Noncurrent loans to loans | 0.1303% | 4,066 |
| Net loans and leases to total assets | 66.3371% | 3,010 |
| Net loans and leases to deposits | 86.6268% | 2,120 |
| Net loans and leases to core deposits | 91.3085% | 2,436 |
| Total domestic deposits to total assets | 76.5781% | 4,576 |
| Equity capital to assets | 8.5072% | 5,000 |
| Core capital (leverage) ratio | 8.7669% | 4,798 |
| Tier 1 risk-based capital ratio | 10.7909% | 4,988 |
| Total risk-based capital ratio | 12.0408% | 4,896 |
| Memoranda: | ||
| Average total assets | $176,688,250 | 3,084 |
| Average earning assets | $162,718,500 | 3,090 |
| Average equity | $15,728,750 | 3,606 |
| Average total loans | $121,468,750 | 2,961 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 3,693 |
| Cost of funding earning assets | 0.9636% | 1,850 |
| Net interest margin | 3.3169% | 4,100 |
| Noninterest income to average assets | 0.5692% | 2,291 |
| Noninterest expense to average assets | 3.0541% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4542% | 4,635 |
| Return on assets (ROA) | 0.4542% | 4,661 |
| Pretax return on assets | 0.5623% | 4,609 |
| Return on Equity (ROE) | 5.0205% | 4,341 |
| Retained earnings to average equity (ytd only) | 4.5069% | 3,016 |
| Net charge-offs to loans | -0.1426% | 5,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4523% | 621 |
| Assets per employee ($millions) | 4.3544% | 3,358 |
| Cash dividends to net income (ytd only)* | 10.2302% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 1,091 |
| Loan loss allowance to noncurrent loans | 1,118.6047% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 3,830 |
| Noncurrent loans to loans | 0.1406% | 4,053 |
| Net loans and leases to total assets | 67.4391% | 2,898 |
| Net loans and leases to deposits | 89.6239% | 1,781 |
| Net loans and leases to core deposits | 91.2660% | 2,481 |
| Total domestic deposits to total assets | 75.2467% | 4,747 |
| Equity capital to assets | 8.9217% | 4,838 |
| Core capital (leverage) ratio | 9.0339% | 4,604 |
| Tier 1 risk-based capital ratio | 11.2447% | 4,810 |
| Total risk-based capital ratio | 12.4959% | 4,701 |
| Memoranda: | ||
| Average total assets | $172,159,330 | 3,132 |
| Average earning assets | $158,161,000 | 3,149 |
| Average equity | $15,576,000 | 3,625 |
| Average total loans | $119,242,670 | 2,996 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 3,877 |
| Cost of funding earning assets | 0.8832% | 2,075 |
| Net interest margin | 3.3141% | 4,131 |
| Noninterest income to average assets | 0.5374% | 2,353 |
| Noninterest expense to average assets | 3.0064% | 1,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4640% | 4,613 |
| Return on assets (ROA) | 0.4640% | 4,632 |
| Pretax return on assets | 0.5776% | 4,556 |
| Return on Equity (ROE) | 5.0909% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.0909% | 2,868 |
| Net charge-offs to loans | 0.0102% | 2,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 81.3333% | 765 |
| Efficiency ratio | 83.8838% | 716 |
| Assets per employee ($millions) | 4.5913% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 1,135 |
| Loan loss allowance to noncurrent loans | 1,037.2881% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 3,840 |
| Noncurrent loans to loans | 0.1511% | 4,058 |
| Net loans and leases to total assets | 66.0690% | 3,041 |
| Net loans and leases to deposits | 88.1579% | 1,852 |
| Net loans and leases to core deposits | 90.0230% | 2,499 |
| Total domestic deposits to total assets | 74.9440% | 4,863 |
| Equity capital to assets | 8.9214% | 4,737 |
| Core capital (leverage) ratio | 9.4350% | 4,219 |
| Tier 1 risk-based capital ratio | 11.8882% | 4,522 |
| Total risk-based capital ratio | 13.1398% | 4,426 |
| Memoranda: | ||
| Average total assets | $168,974,000 | 3,202 |
| Average earning assets | $155,337,000 | 3,211 |
| Average equity | $15,400,000 | 3,657 |
| Average total loans | $117,702,500 | 3,048 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 3,598 |
| Cost of funding earning assets | 0.8218% | 1,431 |
| Net interest margin | 3.3246% | 4,196 |
| Noninterest income to average assets | 0.5672% | 2,460 |
| Noninterest expense to average assets | 2.7410% | 2,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6884% | 4,173 |
| Return on assets (ROA) | 0.6884% | 4,176 |
| Pretax return on assets | 0.8957% | 3,911 |
| Return on Equity (ROE) | 7.7900% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.1111% | 1,621 |
| Net charge-offs to loans | -0.1046% | 5,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3708% | 1,444 |
| Assets per employee ($millions) | 4.3021% | 3,457 |
| Cash dividends to net income (ytd only)* | 8.7148% | 3,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 1,132 |
| Loan loss allowance to noncurrent loans | 1,010.4396% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 3,771 |
| Noncurrent loans to loans | 0.1538% | 4,055 |
| Net loans and leases to total assets | 71.2385% | 2,389 |
| Net loans and leases to deposits | 89.5467% | 1,855 |
| Net loans and leases to core deposits | 91.4559% | 2,457 |
| Total domestic deposits to total assets | 79.5546% | 4,202 |
| Equity capital to assets | 9.3192% | 4,301 |
| Core capital (leverage) ratio | 9.4928% | 4,117 |
| Tier 1 risk-based capital ratio | 11.9903% | 4,428 |
| Total risk-based capital ratio | 13.2425% | 4,326 |
| Memoranda: | ||
| Average total assets | $165,013,200 | 3,217 |
| Average earning assets | $152,350,400 | 3,218 |
| Average equity | $14,582,800 | 3,688 |
| Average total loans | $114,710,000 | 3,063 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 3,717 |
| Cost of funding earning assets | 0.8010% | 1,332 |
| Net interest margin | 3.2747% | 4,350 |
| Noninterest income to average assets | 0.5538% | 2,547 |
| Noninterest expense to average assets | 2.7650% | 2,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6328% | 4,414 |
| Return on assets (ROA) | 0.6328% | 4,430 |
| Pretax return on assets | 0.8142% | 4,256 |
| Return on Equity (ROE) | 7.2584% | 3,836 |
| Retained earnings to average equity (ytd only) | 7.0272% | 2,114 |
| Net charge-offs to loans | -0.0398% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2523% | 1,202 |
| Assets per employee ($millions) | 4.6898% | 2,857 |
| Cash dividends to net income (ytd only)* | 3.1845% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 1,289 |
| Loan loss allowance to noncurrent loans | 932.4468% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 3,829 |
| Noncurrent loans to loans | 0.1627% | 4,155 |
| Net loans and leases to total assets | 67.4080% | 3,020 |
| Net loans and leases to deposits | 83.9043% | 2,608 |
| Net loans and leases to core deposits | 85.6497% | 3,031 |
| Total domestic deposits to total assets | 80.3392% | 4,032 |
| Equity capital to assets | 8.7216% | 4,782 |
| Core capital (leverage) ratio | 9.4062% | 4,271 |
| Tier 1 risk-based capital ratio | 12.0674% | 4,465 |
| Total risk-based capital ratio | 13.3188% | 4,349 |
| Memoranda: | ||
| Average total assets | $165,396,750 | 3,239 |
| Average earning assets | $152,805,500 | 3,243 |
| Average equity | $14,419,750 | 3,735 |
| Average total loans | $113,812,750 | 3,104 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 3,691 |
| Cost of funding earning assets | 0.8135% | 1,070 |
| Net interest margin | 3.2157% | 4,466 |
| Noninterest income to average assets | 0.5272% | 2,713 |
| Noninterest expense to average assets | 2.8432% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5175% | 4,710 |
| Return on assets (ROA) | 0.5175% | 4,715 |
| Pretax return on assets | 0.6539% | 4,631 |
| Return on Equity (ROE) | 5.9366% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.9366% | 2,592 |
| Net charge-offs to loans | -0.0194% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3022% | 890 |
| Assets per employee ($millions) | 3.9672% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 1,210 |
| Loan loss allowance to noncurrent loans | 569.0789% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.4084% | 3,098 |
| Noncurrent loans to loans | 0.2742% | 3,733 |
| Net loans and leases to total assets | 68.7849% | 2,757 |
| Net loans and leases to deposits | 83.4853% | 2,592 |
| Net loans and leases to core deposits | 85.5155% | 2,966 |
| Total domestic deposits to total assets | 82.3916% | 3,597 |
| Equity capital to assets | 9.1306% | 4,450 |
| Core capital (leverage) ratio | 9.0522% | 4,643 |
| Tier 1 risk-based capital ratio | 12.4420% | 4,226 |
| Total risk-based capital ratio | 13.6944% | 4,112 |
| Memoranda: | ||
| Average total assets | $164,251,330 | 3,272 |
| Average earning assets | $151,693,000 | 3,269 |
| Average equity | $14,318,000 | 3,764 |
| Average total loans | $113,230,330 | 3,121 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7456% | 4,370 |
| Cost of funding earning assets | 0.7922% | 981 |
| Net interest margin | 2.9533% | 4,951 |
| Noninterest income to average assets | 0.3927% | 3,523 |
| Noninterest expense to average assets | 2.9359% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1772% | 5,268 |
| Return on assets (ROA) | 0.1772% | 5,264 |
| Pretax return on assets | 0.1796% | 5,278 |
| Return on Equity (ROE) | 2.0797% | 5,170 |
| Retained earnings to average equity (ytd only) | 2.0797% | 4,330 |
| Net charge-offs to loans | -0.0210% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2352% | 295 |
| Assets per employee ($millions) | 4.4500% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 1,520 |
| Loan loss allowance to noncurrent loans | 114.6179% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1999% | 1,270 |
| Noncurrent loans to loans | 1.2943% | 1,390 |
| Net loans and leases to total assets | 67.7426% | 2,793 |
| Net loans and leases to deposits | 85.4942% | 2,230 |
| Net loans and leases to core deposits | 87.6926% | 2,658 |
| Total domestic deposits to total assets | 79.2364% | 4,540 |
| Equity capital to assets | 8.3655% | 5,071 |
| Core capital (leverage) ratio | 8.6493% | 5,020 |
| Tier 1 risk-based capital ratio | 11.4835% | 4,867 |
| Total risk-based capital ratio | 12.7344% | 4,767 |
| Memoranda: | ||
| Average total assets | $167,034,000 | 3,278 |
| Average earning assets | $153,995,500 | 3,278 |
| Average equity | $14,232,500 | 3,801 |
| Average total loans | $114,404,500 | 3,131 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8500% | 3,879 |
| Cost of funding earning assets | 0.7334% | 877 |
| Net interest margin | 3.1166% | 4,656 |
| Noninterest income to average assets | 0.5556% | 2,681 |
| Noninterest expense to average assets | 2.9443% | 2,302 |
| Loan and lease loss provision to assets | 0.1261% | 1,815 |
| Net operating income to assets | 0.1903% | 5,129 |
| Return on assets (ROA) | 0.2113% | 5,106 |
| Pretax return on assets | 0.3531% | 5,150 |
| Return on Equity (ROE) | 2.3391% | 4,987 |
| Retained earnings to average equity (ytd only) | 1.0962% | 4,593 |
| Net charge-offs to loans | -0.1145% | 5,407 |
| Credit loss provision to net charge-offs | -160.0000% | 4,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8328% | 592 |
| Assets per employee ($millions) | 4.1242% | 3,775 |
| Cash dividends to net income (ytd only)* | 53.1343% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 1,315 |
| Loan loss allowance to noncurrent loans | 510.0890% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 2,307 |
| Noncurrent loans to loans | 0.2995% | 3,706 |
| Net loans and leases to total assets | 67.1720% | 2,941 |
| Net loans and leases to deposits | 85.5303% | 2,321 |
| Net loans and leases to core deposits | 88.0125% | 2,720 |
| Total domestic deposits to total assets | 78.5360% | 4,634 |
| Equity capital to assets | 8.6798% | 4,967 |
| Core capital (leverage) ratio | 8.6519% | 4,991 |
| Tier 1 risk-based capital ratio | 11.6171% | 4,780 |
| Total risk-based capital ratio | 12.8693% | 4,663 |
| Memoranda: | ||
| Average total assets | $158,577,800 | 3,366 |
| Average earning assets | $144,260,200 | 3,397 |
| Average equity | $14,322,000 | 3,806 |
| Average total loans | $109,175,200 | 3,198 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 3,993 |
| Cost of funding earning assets | 0.7391% | 805 |
| Net interest margin | 3.0668% | 4,785 |
| Noninterest income to average assets | 0.5181% | 2,913 |
| Noninterest expense to average assets | 2.9540% | 2,238 |
| Loan and lease loss provision to assets | 0.1529% | 1,360 |
| Net operating income to assets | 0.1890% | 5,366 |
| Return on assets (ROA) | 0.2319% | 5,336 |
| Pretax return on assets | 0.2395% | 5,352 |
| Return on Equity (ROE) | 2.5413% | 5,213 |
| Retained earnings to average equity (ytd only) | 2.4389% | 4,429 |
| Net charge-offs to loans | -0.0775% | 5,307 |
| Credit loss provision to net charge-offs | -285.7143% | 4,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4547% | 432 |
| Assets per employee ($millions) | 4.1175% | 3,792 |
| Cash dividends to net income (ytd only)* | 4.0303% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,649 |
| Loan loss allowance to noncurrent loans | 477.2595% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 2,226 |
| Noncurrent loans to loans | 0.3078% | 3,837 |
| Net loans and leases to total assets | 70.1737% | 2,529 |
| Net loans and leases to deposits | 84.1848% | 2,539 |
| Net loans and leases to core deposits | 86.7790% | 2,895 |
| Total domestic deposits to total assets | 83.3568% | 3,343 |
| Equity capital to assets | 9.2768% | 4,660 |
| Core capital (leverage) ratio | 9.0772% | 4,654 |
| Tier 1 risk-based capital ratio | 11.8762% | 4,713 |
| Total risk-based capital ratio | 13.1284% | 4,589 |
| Memoranda: | ||
| Average total assets | $156,980,000 | 3,415 |
| Average earning assets | $142,512,750 | 3,444 |
| Average equity | $14,322,750 | 3,846 |
| Average total loans | $108,336,000 | 3,231 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 4,112 |
| Cost of funding earning assets | 0.7365% | 736 |
| Net interest margin | 3.0010% | 4,913 |
| Noninterest income to average assets | 0.5981% | 2,469 |
| Noninterest expense to average assets | 2.9564% | 2,245 |
| Loan and lease loss provision to assets | 0.1527% | 1,316 |
| Net operating income to assets | 0.1962% | 5,400 |
| Return on assets (ROA) | 0.2456% | 5,346 |
| Pretax return on assets | 0.2520% | 5,388 |
| Return on Equity (ROE) | 2.7071% | 5,197 |
| Retained earnings to average equity (ytd only) | 2.5528% | 4,162 |
| Net charge-offs to loans | -0.0615% | 5,257 |
| Credit loss provision to net charge-offs | -363.6364% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3118% | 484 |
| Assets per employee ($millions) | 4.2934% | 3,444 |
| Cash dividends to net income (ytd only)* | 5.6995% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 1,927 |
| Loan loss allowance to noncurrent loans | 212.9477% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.8360% | 2,121 |
| Noncurrent loans to loans | 0.6605% | 2,768 |
| Net loans and leases to total assets | 68.2215% | 2,782 |
| Net loans and leases to deposits | 81.5824% | 2,737 |
| Net loans and leases to core deposits | 84.0610% | 3,060 |
| Total domestic deposits to total assets | 83.6229% | 3,353 |
| Equity capital to assets | 9.1038% | 4,801 |
| Core capital (leverage) ratio | 9.0026% | 4,719 |
| Tier 1 risk-based capital ratio | 12.0119% | 4,623 |
| Total risk-based capital ratio | 13.2627% | 4,509 |
| Memoranda: | ||
| Average total assets | $157,151,330 | 3,429 |
| Average earning assets | $142,019,330 | 3,463 |
| Average equity | $14,258,670 | 3,860 |
| Average total loans | $107,303,000 | 3,259 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6464% | 4,291 |
| Cost of funding earning assets | 0.7276% | 731 |
| Net interest margin | 2.9188% | 5,052 |
| Noninterest income to average assets | 0.6091% | 2,376 |
| Noninterest expense to average assets | 2.8919% | 2,476 |
| Loan and lease loss provision to assets | 0.1536% | 1,198 |
| Net operating income to assets | 0.2201% | 5,366 |
| Return on assets (ROA) | 0.2201% | 5,376 |
| Pretax return on assets | 0.2124% | 5,422 |
| Return on Equity (ROE) | 2.4299% | 5,250 |
| Retained earnings to average equity (ytd only) | 2.1191% | 4,294 |
| Net charge-offs to loans | 0.0340% | 2,099 |
| Credit loss provision to net charge-offs | 666.6667% | 475 |
| Earnings coverage of net charge-offs (x) | 15.8889% | 1,660 |
| Efficiency ratio | 88.7667% | 618 |
| Assets per employee ($millions) | 3.9773% | 4,054 |
| Cash dividends to net income (ytd only)* | 12.7907% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 2,363 |
| Loan loss allowance to noncurrent loans | 196.2008% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 2,160 |
| Noncurrent loans to loans | 0.6804% | 2,811 |
| Net loans and leases to total assets | 67.1815% | 2,790 |
| Net loans and leases to deposits | 80.1811% | 2,728 |
| Net loans and leases to core deposits | 82.6009% | 3,029 |
| Total domestic deposits to total assets | 83.7872% | 3,555 |
| Equity capital to assets | 8.9471% | 4,864 |
| Core capital (leverage) ratio | 9.1158% | 4,595 |
| Tier 1 risk-based capital ratio | 12.6371% | 4,303 |
| Total risk-based capital ratio | 13.8876% | 4,210 |
| Memoranda: | ||
| Average total assets | $156,299,000 | 3,470 |
| Average earning assets | $141,838,500 | 3,498 |
| Average equity | $14,157,000 | 3,898 |
| Average total loans | $105,994,500 | 3,301 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 4,205 |
| Cost of funding earning assets | 0.7004% | 808 |
| Net interest margin | 2.9992% | 4,963 |
| Noninterest income to average assets | 0.5063% | 3,194 |
| Noninterest expense to average assets | 3.0933% | 2,059 |
| Loan and lease loss provision to assets | 0.1437% | 1,742 |
| Net operating income to assets | 0.0745% | 5,587 |
| Return on assets (ROA) | 0.1725% | 5,505 |
| Pretax return on assets | 0.0614% | 5,624 |
| Return on Equity (ROE) | 1.8267% | 5,435 |
| Retained earnings to average equity (ytd only) | 0.7888% | 5,003 |
| Net charge-offs to loans | 0.3609% | 757 |
| Credit loss provision to net charge-offs | 62.8571% | 3,206 |
| Earnings coverage of net charge-offs (x) | 0.4686% | 4,100 |
| Efficiency ratio | 96.6524% | 292 |
| Assets per employee ($millions) | 3.9363% | 4,082 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,627 |
| Loan loss allowance to noncurrent loans | 67.5114% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.7125% | 898 |
| Noncurrent loans to loans | 1.9033% | 970 |
| Net loans and leases to total assets | 66.6584% | 2,978 |
| Net loans and leases to deposits | 80.1278% | 2,873 |
| Net loans and leases to core deposits | 82.4806% | 3,175 |
| Total domestic deposits to total assets | 83.1901% | 3,700 |
| Equity capital to assets | 9.2289% | 4,544 |
| Core capital (leverage) ratio | 9.1680% | 4,526 |
| Tier 1 risk-based capital ratio | 13.1031% | 3,997 |
| Total risk-based capital ratio | 14.3275% | 3,929 |
| Memoranda: | ||
| Average total assets | $153,070,400 | 3,470 |
| Average earning assets | $137,502,400 | 3,526 |
| Average equity | $14,452,600 | 3,878 |
| Average total loans | $96,985,800 | 3,442 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7120% | 4,209 |
| Cost of funding earning assets | 0.6973% | 825 |
| Net interest margin | 3.0147% | 4,987 |
| Noninterest income to average assets | 0.4594% | 3,494 |
| Noninterest expense to average assets | 3.0474% | 2,173 |
| Loan and lease loss provision to assets | 0.1395% | 1,683 |
| Net operating income to assets | 0.0819% | 5,645 |
| Return on assets (ROA) | 0.2136% | 5,506 |
| Pretax return on assets | 0.1098% | 5,670 |
| Return on Equity (ROE) | 2.2491% | 5,423 |
| Retained earnings to average equity (ytd only) | 1.9003% | 4,731 |
| Net charge-offs to loans | 0.4728% | 446 |
| Credit loss provision to net charge-offs | 47.3373% | 3,067 |
| Earnings coverage of net charge-offs (x) | 0.3994% | 3,790 |
| Efficiency ratio | 96.2820% | 305 |
| Assets per employee ($millions) | 3.8956% | 4,136 |
| Cash dividends to net income (ytd only)* | 15.5115% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 2,673 |
| Loan loss allowance to noncurrent loans | 205.4400% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 2,358 |
| Noncurrent loans to loans | 0.6343% | 3,112 |
| Net loans and leases to total assets | 64.0099% | 3,402 |
| Net loans and leases to deposits | 77.1297% | 3,272 |
| Net loans and leases to core deposits | 79.4369% | 3,507 |
| Total domestic deposits to total assets | 82.9900% | 3,603 |
| Equity capital to assets | 9.6513% | 4,510 |
| Core capital (leverage) ratio | 9.5507% | 4,113 |
| Tier 1 risk-based capital ratio | 13.9127% | 3,601 |
| Total risk-based capital ratio | 15.1577% | 3,533 |
| Memoranda: | ||
| Average total assets | $152,958,750 | 3,489 |
| Average earning assets | $137,280,250 | 3,552 |
| Average equity | $14,523,750 | 3,910 |
| Average total loans | $95,316,250 | 3,484 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 4,264 |
| Cost of funding earning assets | 0.6821% | 878 |
| Net interest margin | 3.0286% | 5,022 |
| Noninterest income to average assets | 0.3966% | 3,894 |
| Noninterest expense to average assets | 3.1063% | 2,041 |
| Loan and lease loss provision to assets | 0.1305% | 1,752 |
| Net operating income to assets | -0.0444% | 5,790 |
| Return on assets (ROA) | 0.0065% | 5,790 |
| Pretax return on assets | -0.0496% | 5,809 |
| Return on Equity (ROE) | 0.0691% | 5,788 |
| Retained earnings to average equity (ytd only) | -0.2763% | 5,335 |
| Net charge-offs to loans | 0.7173% | 289 |
| Credit loss provision to net charge-offs | 29.5858% | 2,862 |
| Earnings coverage of net charge-offs (x) | 0.0030% | 3,562 |
| Efficiency ratio | 99.9580% | 244 |
| Assets per employee ($millions) | 3.9894% | 3,925 |
| Cash dividends to net income (ytd only)* | 500.0000% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 2,756 |
| Loan loss allowance to noncurrent loans | 67.1240% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.6669% | 1,085 |
| Noncurrent loans to loans | 1.9432% | 1,034 |
| Net loans and leases to total assets | 61.0447% | 3,745 |
| Net loans and leases to deposits | 73.5622% | 3,646 |
| Net loans and leases to core deposits | 75.7591% | 3,842 |
| Total domestic deposits to total assets | 82.9838% | 3,662 |
| Equity capital to assets | 9.5899% | 4,685 |
| Core capital (leverage) ratio | 9.3440% | 4,400 |
| Tier 1 risk-based capital ratio | 14.1267% | 3,535 |
| Total risk-based capital ratio | 15.3476% | 3,466 |
| Memoranda: | ||
| Average total assets | $153,302,330 | 3,502 |
| Average earning assets | $137,223,000 | 3,577 |
| Average equity | $14,477,330 | 3,938 |
| Average total loans | $94,244,000 | 3,515 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 4,049 |
| Cost of funding earning assets | 0.6718% | 940 |
| Net interest margin | 3.1019% | 4,859 |
| Noninterest income to average assets | 0.4723% | 3,329 |
| Noninterest expense to average assets | 3.0048% | 2,377 |
| Loan and lease loss provision to assets | 0.0778% | 2,406 |
| Net operating income to assets | 0.1998% | 5,526 |
| Return on assets (ROA) | 0.3581% | 5,202 |
| Pretax return on assets | 0.3036% | 5,502 |
| Return on Equity (ROE) | 3.8209% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.4609% | 3,770 |
| Net charge-offs to loans | 1.5622% | 110 |
| Credit loss provision to net charge-offs | 8.1301% | 2,371 |
| Earnings coverage of net charge-offs (x) | 0.2331% | 2,952 |
| Efficiency ratio | 93.0868% | 495 |
| Assets per employee ($millions) | 4.2978% | 3,412 |
| Cash dividends to net income (ytd only)* | 9.4203% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,642 |
| Loan loss allowance to noncurrent loans | 52.5527% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 2.1025% | 808 |
| Noncurrent loans to loans | 2.2330% | 913 |
| Net loans and leases to total assets | 61.0716% | 3,641 |
| Net loans and leases to deposits | 71.9069% | 3,657 |
| Net loans and leases to core deposits | 73.7811% | 3,921 |
| Total domestic deposits to total assets | 84.9315% | 3,153 |
| Equity capital to assets | 9.4164% | 4,754 |
| Core capital (leverage) ratio | 9.3817% | 4,377 |
| Tier 1 risk-based capital ratio | 14.0000% | 3,699 |
| Total risk-based capital ratio | 15.0988% | 3,724 |
| Memoranda: | ||
| Average total assets | $154,155,000 | 3,515 |
| Average earning assets | $136,950,000 | 3,598 |
| Average equity | $14,447,000 | 3,937 |
| Average total loans | $94,483,500 | 3,524 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6410% | 4,553 |
| Cost of funding earning assets | 0.6936% | 848 |
| Net interest margin | 2.9474% | 5,254 |
| Noninterest income to average assets | 0.6299% | 2,561 |
| Noninterest expense to average assets | 2.6688% | 3,696 |
| Loan and lease loss provision to assets | 0.1506% | 1,566 |
| Net operating income to assets | 0.3987% | 5,057 |
| Return on assets (ROA) | 0.4578% | 4,935 |
| Pretax return on assets | 0.5368% | 5,025 |
| Return on Equity (ROE) | 4.8428% | 4,584 |
| Retained earnings to average equity (ytd only) | 3.7383% | 3,389 |
| Net charge-offs to loans | -0.0915% | 5,750 |
| Credit loss provision to net charge-offs | -277.7778% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2016% | 1,509 |
| Assets per employee ($millions) | 4.6542% | 2,803 |
| Cash dividends to net income (ytd only)* | 22.8070% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 1,734 |
| Loan loss allowance to noncurrent loans | 53.1830% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 2.6030% | 576 |
| Noncurrent loans to loans | 2.9447% | 552 |
| Net loans and leases to total assets | 59.8301% | 3,858 |
| Net loans and leases to deposits | 70.4528% | 3,873 |
| Net loans and leases to core deposits | 72.2975% | 4,106 |
| Total domestic deposits to total assets | 84.9222% | 3,130 |
| Equity capital to assets | 9.3268% | 4,757 |
| Core capital (leverage) ratio | 9.3480% | 4,396 |
| Tier 1 risk-based capital ratio | 14.0460% | 3,691 |
| Total risk-based capital ratio | 15.2992% | 3,610 |
| Memoranda: | ||
| Average total assets | $149,394,800 | 3,576 |
| Average earning assets | $134,662,000 | 3,616 |
| Average equity | $14,124,000 | 3,949 |
| Average total loans | $88,483,800 | 3,621 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6471% | 4,583 |
| Cost of funding earning assets | 0.7103% | 794 |
| Net interest margin | 2.9368% | 5,338 |
| Noninterest income to average assets | 0.6525% | 2,468 |
| Noninterest expense to average assets | 2.5678% | 3,987 |
| Loan and lease loss provision to assets | 0.2022% | 991 |
| Net operating income to assets | 0.4339% | 5,032 |
| Return on assets (ROA) | 0.5105% | 4,840 |
| Pretax return on assets | 0.6255% | 4,909 |
| Return on Equity (ROE) | 5.3810% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.9832% | 2,928 |
| Net charge-offs to loans | -0.2063% | 6,002 |
| Credit loss provision to net charge-offs | -166.6667% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7627% | 1,974 |
| Assets per employee ($millions) | 4.2958% | 3,325 |
| Cash dividends to net income (ytd only)* | 7.3946% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 1,417 |
| Loan loss allowance to noncurrent loans | 46.5745% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 2.9956% | 504 |
| Noncurrent loans to loans | 3.7029% | 391 |
| Net loans and leases to total assets | 57.4561% | 4,205 |
| Net loans and leases to deposits | 63.8688% | 4,571 |
| Net loans and leases to core deposits | 65.4750% | 4,729 |
| Total domestic deposits to total assets | 89.9596% | 587 |
| Equity capital to assets | 9.4923% | 4,760 |
| Core capital (leverage) ratio | 9.5339% | 4,256 |
| Tier 1 risk-based capital ratio | 14.7743% | 3,400 |
| Total risk-based capital ratio | 16.0293% | 3,351 |
| Memoranda: | ||
| Average total assets | $148,346,000 | 3,628 |
| Average earning assets | $133,836,500 | 3,666 |
| Average equity | $14,073,750 | 4,001 |
| Average total loans | $87,266,000 | 3,689 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 4,692 |
| Cost of funding earning assets | 0.7177% | 772 |
| Net interest margin | 2.8933% | 5,456 |
| Noninterest income to average assets | 0.5905% | 2,793 |
| Noninterest expense to average assets | 2.5244% | 4,160 |
| Loan and lease loss provision to assets | 0.2031% | 961 |
| Net operating income to assets | 0.3964% | 5,145 |
| Return on assets (ROA) | 0.5119% | 4,829 |
| Pretax return on assets | 0.6243% | 4,913 |
| Return on Equity (ROE) | 5.3970% | 4,428 |
| Retained earnings to average equity (ytd only) | 4.9973% | 2,866 |
| Net charge-offs to loans | 0.0299% | 3,067 |
| Credit loss provision to net charge-offs | 1,153.8462% | 309 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,148 |
| Efficiency ratio | 78.6166% | 1,970 |
| Assets per employee ($millions) | 4.9362% | 2,353 |
| Cash dividends to net income (ytd only)* | 7.4074% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 2,412 |
| Loan loss allowance to noncurrent loans | 34.5168% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 3.0557% | 540 |
| Noncurrent loans to loans | 4.2587% | 332 |
| Net loans and leases to total assets | 56.6379% | 4,262 |
| Net loans and leases to deposits | 62.9638% | 4,623 |
| Net loans and leases to core deposits | 64.6986% | 4,758 |
| Total domestic deposits to total assets | 89.9531% | 681 |
| Equity capital to assets | 9.1810% | 5,041 |
| Core capital (leverage) ratio | 9.5356% | 4,235 |
| Tier 1 risk-based capital ratio | 14.2851% | 3,768 |
| Total risk-based capital ratio | 15.5372% | 3,692 |
| Memoranda: | ||
| Average total assets | $147,677,000 | 3,660 |
| Average earning assets | $133,759,000 | 3,695 |
| Average equity | $14,007,670 | 4,040 |
| Average total loans | $87,053,670 | 3,711 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 4,523 |
| Cost of funding earning assets | 0.7219% | 764 |
| Net interest margin | 2.9325% | 5,379 |
| Noninterest income to average assets | 0.5710% | 2,826 |
| Noninterest expense to average assets | 2.6648% | 3,712 |
| Loan and lease loss provision to assets | 0.2069% | 873 |
| Net operating income to assets | 0.3589% | 5,228 |
| Return on assets (ROA) | 0.4359% | 5,048 |
| Pretax return on assets | 0.4855% | 5,219 |
| Return on Equity (ROE) | 4.5245% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.5245% | 3,312 |
| Net charge-offs to loans | 0.0185% | 2,790 |
| Credit loss provision to net charge-offs | 1,875.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 787 |
| Efficiency ratio | 81.4503% | 1,697 |
| Assets per employee ($millions) | 4.5327% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 2,820 |
| Loan loss allowance to noncurrent loans | 32.0282% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 3.4169% | 493 |
| Noncurrent loans to loans | 4.4410% | 358 |
| Net loans and leases to total assets | 58.6280% | 3,854 |
| Net loans and leases to deposits | 65.6003% | 4,191 |
| Net loans and leases to core deposits | 67.3358% | 4,398 |
| Total domestic deposits to total assets | 89.3716% | 1,061 |
| Equity capital to assets | 9.7087% | 4,494 |
| Core capital (leverage) ratio | 9.6993% | 4,015 |
| Tier 1 risk-based capital ratio | 14.5848% | 3,678 |
| Total risk-based capital ratio | 15.8344% | 3,602 |
| Memoranda: | ||
| Average total assets | $145,004,000 | 3,726 |
| Average earning assets | $133,538,500 | 3,727 |
| Average equity | $13,968,500 | 4,078 |
| Average total loans | $86,599,500 | 3,738 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 4,561 |
| Cost of funding earning assets | 0.8860% | 417 |
| Net interest margin | 2.8898% | 5,666 |
| Noninterest income to average assets | 0.5441% | 3,210 |
| Noninterest expense to average assets | 2.4694% | 4,641 |
| Loan and lease loss provision to assets | 1.4114% | 63 |
| Net operating income to assets | -0.3014% | 6,238 |
| Return on assets (ROA) | -0.2677% | 6,228 |
| Pretax return on assets | -0.6622% | 6,316 |
| Return on Equity (ROE) | -2.8550% | 6,241 |
| Retained earnings to average equity (ytd only) | -2.8550% | 6,079 |
| Net charge-offs to loans | 2.0880% | 88 |
| Credit loss provision to net charge-offs | 115.2851% | 2,071 |
| Earnings coverage of net charge-offs (x) | 0.5691% | 4,611 |
| Efficiency ratio | 77.9950% | 2,212 |
| Assets per employee ($millions) | 5.1773% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 3,270 |
| Loan loss allowance to noncurrent loans | 28.4029% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 3.4947% | 531 |
| Noncurrent loans to loans | 4.6817% | 341 |
| Net loans and leases to total assets | 59.1730% | 3,901 |
| Net loans and leases to deposits | 66.4299% | 4,277 |
| Net loans and leases to core deposits | 68.6748% | 4,431 |
| Total domestic deposits to total assets | 89.0758% | 1,197 |
| Equity capital to assets | 9.5576% | 4,645 |
| Core capital (leverage) ratio | 9.5702% | 4,146 |
| Tier 1 risk-based capital ratio | 13.3322% | 4,524 |
| Total risk-based capital ratio | 14.4143% | 4,541 |
| Memoranda: | ||
| Average total assets | $138,939,400 | 3,823 |
| Average earning assets | $126,065,400 | 3,841 |
| Average equity | $13,029,600 | 4,189 |
| Average total loans | $81,463,600 | 3,837 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6749% | 4,923 |
| Cost of funding earning assets | 0.9211% | 362 |
| Net interest margin | 2.7537% | 5,932 |
| Noninterest income to average assets | 0.5229% | 3,382 |
| Noninterest expense to average assets | 2.4942% | 4,549 |
| Loan and lease loss provision to assets | 1.8297% | 37 |
| Net operating income to assets | -0.6717% | 6,415 |
| Return on assets (ROA) | -0.6257% | 6,401 |
| Pretax return on assets | -1.2437% | 6,473 |
| Return on Equity (ROE) | -6.7064% | 6,400 |
| Retained earnings to average equity (ytd only) | -6.7064% | 6,314 |
| Net charge-offs to loans | 2.7699% | 48 |
| Credit loss provision to net charge-offs | 113.3413% | 2,000 |
| Earnings coverage of net charge-offs (x) | 0.3185% | 4,405 |
| Efficiency ratio | 82.9087% | 1,506 |
| Assets per employee ($millions) | 4.9627% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 3,471 |
| Loan loss allowance to noncurrent loans | 24.7729% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 3.4617% | 625 |
| Noncurrent loans to loans | 5.3908% | 304 |
| Net loans and leases to total assets | 57.3935% | 4,151 |
| Net loans and leases to deposits | 63.8644% | 4,555 |
| Net loans and leases to core deposits | 66.0892% | 4,698 |
| Total domestic deposits to total assets | 89.8678% | 798 |
| Equity capital to assets | 8.8419% | 5,513 |
| Core capital (leverage) ratio | 8.9249% | 5,163 |
| Tier 1 risk-based capital ratio | 12.5972% | 5,114 |
| Total risk-based capital ratio | 13.6953% | 5,133 |
| Memoranda: | ||
| Average total assets | $137,433,500 | 3,874 |
| Average earning assets | $124,046,500 | 3,912 |
| Average equity | $12,823,250 | 4,251 |
| Average total loans | $80,095,750 | 3,899 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 5,032 |
| Cost of funding earning assets | 0.9718% | 289 |
| Net interest margin | 2.6709% | 6,081 |
| Noninterest income to average assets | 0.5249% | 3,305 |
| Noninterest expense to average assets | 2.5519% | 4,409 |
| Loan and lease loss provision to assets | 2.5667% | 23 |
| Net operating income to assets | -1.5215% | 6,574 |
| Return on assets (ROA) | -1.4460% | 6,569 |
| Pretax return on assets | -2.0950% | 6,588 |
| Return on Equity (ROE) | -15.2147% | 6,552 |
| Retained earnings to average equity (ytd only) | -15.2147% | 6,498 |
| Net charge-offs to loans | 1.4628% | 194 |
| Credit loss provision to net charge-offs | 300.8666% | 847 |
| Earnings coverage of net charge-offs (x) | 0.4246% | 4,046 |
| Efficiency ratio | 87.5698% | 1,123 |
| Assets per employee ($millions) | 4.8584% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4775% | 737 |
| Loan loss allowance to noncurrent loans | 30.5804% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 4.7695% | 387 |
| Noncurrent loans to loans | 8.1016% | 122 |
| Net loans and leases to total assets | 57.4134% | 4,065 |
| Net loans and leases to deposits | 63.9281% | 4,510 |
| Net loans and leases to core deposits | 66.0607% | 4,637 |
| Total domestic deposits to total assets | 89.8094% | 902 |
| Equity capital to assets | 8.7811% | 5,536 |
| Core capital (leverage) ratio | 9.3104% | 4,572 |
| Tier 1 risk-based capital ratio | 12.5431% | 5,203 |
| Total risk-based capital ratio | 14.3484% | 4,783 |
| Memoranda: | ||
| Average total assets | $135,272,330 | 3,936 |
| Average earning assets | $121,007,330 | 3,983 |
| Average equity | $12,856,000 | 4,251 |
| Average total loans | $78,888,670 | 3,944 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 4,859 |
| Cost of funding earning assets | 1.0386% | 230 |
| Net interest margin | 2.6587% | 6,163 |
| Noninterest income to average assets | 0.5707% | 2,911 |
| Noninterest expense to average assets | 2.4369% | 4,823 |
| Loan and lease loss provision to assets | 0.6341% | 203 |
| Net operating income to assets | 0.0755% | 6,080 |
| Return on assets (ROA) | 0.0755% | 6,104 |
| Pretax return on assets | -0.1117% | 6,290 |
| Return on Equity (ROE) | 0.7635% | 6,090 |
| Retained earnings to average equity (ytd only) | 0.7635% | 5,284 |
| Net charge-offs to loans | 0.8899% | 393 |
| Credit loss provision to net charge-offs | 122.8070% | 1,437 |
| Earnings coverage of net charge-offs (x) | 1.0117% | 3,206 |
| Efficiency ratio | 82.3469% | 1,883 |
| Assets per employee ($millions) | 4.7667% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 4,539 |
| Loan loss allowance to noncurrent loans | 20.2688% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 3.6826% | 687 |
| Noncurrent loans to loans | 6.0293% | 300 |
| Net loans and leases to total assets | 56.6245% | 4,062 |
| Net loans and leases to deposits | 63.9534% | 4,318 |
| Net loans and leases to core deposits | 66.2334% | 4,471 |
| Total domestic deposits to total assets | 88.5402% | 1,918 |
| Equity capital to assets | 9.9141% | 3,948 |
| Core capital (leverage) ratio | 10.2899% | 3,182 |
| Tier 1 risk-based capital ratio | 14.5653% | 3,971 |
| Total risk-based capital ratio | 15.5744% | 4,066 |
| Memoranda: | ||
| Average total assets | $132,461,500 | 4,019 |
| Average earning assets | $119,004,500 | 4,067 |
| Average equity | $13,098,000 | 4,219 |
| Average total loans | $76,859,500 | 4,038 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 3,782 |
| Cost of funding earning assets | 1.3210% | 100 |
| Net interest margin | 2.7679% | 6,031 |
| Noninterest income to average assets | 0.6897% | 2,602 |
| Noninterest expense to average assets | 2.4894% | 4,798 |
| Loan and lease loss provision to assets | 0.2251% | 1,618 |
| Net operating income to assets | 0.4196% | 5,082 |
| Return on assets (ROA) | 0.5013% | 4,864 |
| Pretax return on assets | 0.5584% | 5,013 |
| Return on Equity (ROE) | 5.1057% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.3261% | 3,101 |
| Net charge-offs to loans | 1.0997% | 509 |
| Credit loss provision to net charge-offs | 35.4610% | 4,142 |
| Earnings coverage of net charge-offs (x) | 1.0910% | 4,713 |
| Efficiency ratio | 78.2311% | 2,435 |
| Assets per employee ($millions) | 4.6949% | 2,597 |
| Cash dividends to net income (ytd only)* | 15.2695% | 3,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 4,862 |
| Loan loss allowance to noncurrent loans | 35.4150% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 2.1543% | 1,653 |
| Noncurrent loans to loans | 3.2768% | 1,010 |
| Net loans and leases to total assets | 58.0521% | 4,028 |
| Net loans and leases to deposits | 65.7151% | 4,329 |
| Net loans and leases to core deposits | 68.2909% | 4,480 |
| Total domestic deposits to total assets | 88.3391% | 1,986 |
| Equity capital to assets | 9.8619% | 3,951 |
| Core capital (leverage) ratio | 10.0109% | 3,560 |
| Tier 1 risk-based capital ratio | 14.5745% | 3,921 |
| Total risk-based capital ratio | 15.5439% | 4,031 |
| Memoranda: | ||
| Average total assets | $133,247,000 | 4,009 |
| Average earning assets | $119,983,800 | 4,050 |
| Average equity | $13,083,400 | 4,248 |
| Average total loans | $76,928,200 | 4,029 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 3,849 |
| Cost of funding earning assets | 1.3625% | 88 |
| Net interest margin | 2.7139% | 6,154 |
| Noninterest income to average assets | 0.7051% | 2,577 |
| Noninterest expense to average assets | 2.4184% | 4,968 |
| Loan and lease loss provision to assets | 0.2244% | 1,615 |
| Net operating income to assets | 0.4509% | 5,024 |
| Return on assets (ROA) | 0.5086% | 4,921 |
| Pretax return on assets | 0.5684% | 5,139 |
| Return on Equity (ROE) | 5.1854% | 4,635 |
| Retained earnings to average equity (ytd only) | 5.1854% | 2,945 |
| Net charge-offs to loans | 1.4676% | 326 |
| Credit loss provision to net charge-offs | 26.5957% | 3,959 |
| Earnings coverage of net charge-offs (x) | 0.8629% | 4,568 |
| Efficiency ratio | 76.8621% | 2,584 |
| Assets per employee ($millions) | 4.9020% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 5,453 |
| Loan loss allowance to noncurrent loans | 32.2454% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 2.1495% | 1,859 |
| Noncurrent loans to loans | 3.3109% | 1,173 |
| Net loans and leases to total assets | 57.4123% | 4,100 |
| Net loans and leases to deposits | 64.9170% | 4,420 |
| Net loans and leases to core deposits | 67.2478% | 4,595 |
| Total domestic deposits to total assets | 88.4394% | 1,869 |
| Equity capital to assets | 9.8357% | 4,121 |
| Core capital (leverage) ratio | 9.9262% | 3,780 |
| Tier 1 risk-based capital ratio | 14.4607% | 4,099 |
| Total risk-based capital ratio | 15.3447% | 4,307 |
| Memoranda: | ||
| Average total assets | $133,694,750 | 4,041 |
| Average earning assets | $120,268,250 | 4,094 |
| Average equity | $13,113,250 | 4,289 |
| Average total loans | $76,858,000 | 4,064 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1031% | 3,726 |
| Cost of funding earning assets | 1.3899% | 86 |
| Net interest margin | 2.7132% | 6,159 |
| Noninterest income to average assets | 0.7544% | 2,393 |
| Noninterest expense to average assets | 2.4511% | 4,894 |
| Loan and lease loss provision to assets | 0.2236% | 1,693 |
| Net operating income to assets | 0.4518% | 5,008 |
| Return on assets (ROA) | 0.4518% | 5,177 |
| Pretax return on assets | 0.5099% | 5,336 |
| Return on Equity (ROE) | 4.6101% | 4,945 |
| Retained earnings to average equity (ytd only) | 4.6101% | 3,330 |
| Net charge-offs to loans | 0.0520% | 3,945 |
| Credit loss provision to net charge-offs | 750.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 24.6000% | 1,290 |
| Efficiency ratio | 76.9663% | 2,633 |
| Assets per employee ($millions) | 4.7996% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0497% | 1,742 |
| Loan loss allowance to noncurrent loans | 46.3012% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 2.7495% | 1,507 |
| Noncurrent loans to loans | 4.4269% | 797 |
| Net loans and leases to total assets | 55.8636% | 4,321 |
| Net loans and leases to deposits | 63.5058% | 4,563 |
| Net loans and leases to core deposits | 65.6149% | 4,725 |
| Total domestic deposits to total assets | 87.9662% | 2,271 |
| Equity capital to assets | 9.4488% | 4,651 |
| Core capital (leverage) ratio | 9.7711% | 3,831 |
| Tier 1 risk-based capital ratio | 14.2469% | 4,262 |
| Total risk-based capital ratio | 15.5025% | 4,210 |
| Memoranda: | ||
| Average total assets | $134,141,330 | 4,058 |
| Average earning assets | $120,153,670 | 4,118 |
| Average equity | $13,145,000 | 4,315 |
| Average total loans | $76,874,670 | 4,075 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 3,536 |
| Cost of funding earning assets | 1.4061% | 88 |
| Net interest margin | 2.7385% | 6,151 |
| Noninterest income to average assets | 0.7939% | 2,149 |
| Noninterest expense to average assets | 2.3877% | 5,157 |
| Loan and lease loss provision to assets | 0.2239% | 1,646 |
| Net operating income to assets | 0.5611% | 4,405 |
| Return on assets (ROA) | 0.5611% | 4,563 |
| Pretax return on assets | 0.6238% | 4,862 |
| Return on Equity (ROE) | 5.6252% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.6252% | 2,883 |
| Net charge-offs to loans | 0.1039% | 2,829 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 14.2000% | 1,472 |
| Efficiency ratio | 73.8007% | 3,301 |
| Assets per employee ($millions) | 4.7830% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9532% | 2,166 |
| Loan loss allowance to noncurrent loans | 52.9370% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 2.3357% | 1,987 |
| Noncurrent loans to loans | 3.6897% | 1,278 |
| Net loans and leases to total assets | 56.0740% | 4,067 |
| Net loans and leases to deposits | 64.0063% | 4,314 |
| Net loans and leases to core deposits | 65.9906% | 4,530 |
| Total domestic deposits to total assets | 87.6071% | 2,567 |
| Equity capital to assets | 10.0170% | 4,131 |
| Core capital (leverage) ratio | 9.8301% | 3,623 |
| Tier 1 risk-based capital ratio | 14.2215% | 4,347 |
| Total risk-based capital ratio | 15.2851% | 4,440 |
| Memoranda: | ||
| Average total assets | $134,018,000 | 4,102 |
| Average earning assets | $119,482,500 | 4,167 |
| Average equity | $13,368,500 | 4,312 |
| Average total loans | $76,989,500 | 4,099 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 3,665 |
| Cost of funding earning assets | 1.5941% | 109 |
| Net interest margin | 2.8441% | 6,327 |
| Noninterest income to average assets | 0.9944% | 1,551 |
| Noninterest expense to average assets | 2.3194% | 5,638 |
| Loan and lease loss provision to assets | 0.1437% | 3,812 |
| Net operating income to assets | 0.7973% | 3,299 |
| Return on assets (ROA) | 0.8689% | 3,205 |
| Pretax return on assets | 1.1714% | 2,903 |
| Return on Equity (ROE) | 8.7874% | 2,743 |
| Retained earnings to average equity (ytd only) | 5.2617% | 2,530 |
| Net charge-offs to loans | 0.0903% | 4,770 |
| Credit loss provision to net charge-offs | 275.3623% | 872 |
| Earnings coverage of net charge-offs (x) | 23.3478% | 1,222 |
| Efficiency ratio | 65.5622% | 4,589 |
| Assets per employee ($millions) | 4.9671% | 2,274 |
| Cash dividends to net income (ytd only)* | 40.1218% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8621% | 2,413 |
| Loan loss allowance to noncurrent loans | 44.3658% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 2.8946% | 1,643 |
| Noncurrent loans to loans | 4.1971% | 1,081 |
| Net loans and leases to total assets | 56.6284% | 4,181 |
| Net loans and leases to deposits | 64.6547% | 4,461 |
| Net loans and leases to core deposits | 66.8327% | 4,653 |
| Total domestic deposits to total assets | 87.5858% | 2,484 |
| Equity capital to assets | 9.9334% | 4,263 |
| Core capital (leverage) ratio | 9.6676% | 3,864 |
| Tier 1 risk-based capital ratio | 13.8197% | 4,522 |
| Total risk-based capital ratio | 15.0674% | 4,473 |
| Memoranda: | ||
| Average total assets | $132,235,200 | 4,101 |
| Average earning assets | $118,245,600 | 4,153 |
| Average equity | $13,075,600 | 4,346 |
| Average total loans | $76,443,400 | 4,138 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 3,751 |
| Cost of funding earning assets | 1.6329% | 109 |
| Net interest margin | 2.8372% | 6,450 |
| Noninterest income to average assets | 0.9471% | 1,679 |
| Noninterest expense to average assets | 2.2342% | 5,868 |
| Loan and lease loss provision to assets | 0.1366% | 3,839 |
| Net operating income to assets | 0.8242% | 3,321 |
| Return on assets (ROA) | 0.9006% | 3,211 |
| Pretax return on assets | 1.2183% | 2,923 |
| Return on Equity (ROE) | 9.1182% | 2,741 |
| Retained earnings to average equity (ytd only) | 7.6941% | 1,759 |
| Net charge-offs to loans | 0.1207% | 4,167 |
| Credit loss provision to net charge-offs | 195.6522% | 1,419 |
| Earnings coverage of net charge-offs (x) | 17.9271% | 1,596 |
| Efficiency ratio | 64.0929% | 4,791 |
| Assets per employee ($millions) | 5.0401% | 2,133 |
| Cash dividends to net income (ytd only)* | 15.6180% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8127% | 2,758 |
| Loan loss allowance to noncurrent loans | 46.1718% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 2.7899% | 1,884 |
| Noncurrent loans to loans | 3.9260% | 1,318 |
| Net loans and leases to total assets | 57.3316% | 4,238 |
| Net loans and leases to deposits | 65.7613% | 4,497 |
| Net loans and leases to core deposits | 67.8298% | 4,743 |
| Total domestic deposits to total assets | 87.1813% | 2,568 |
| Equity capital to assets | 10.3645% | 3,992 |
| Core capital (leverage) ratio | 9.8701% | 3,731 |
| Tier 1 risk-based capital ratio | 14.8839% | 3,931 |
| Total risk-based capital ratio | 16.1373% | 3,885 |
| Memoranda: | ||
| Average total assets | $131,765,750 | 4,141 |
| Average earning assets | $117,907,500 | 4,201 |
| Average equity | $13,014,000 | 4,395 |
| Average total loans | $76,207,500 | 4,194 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 3,784 |
| Cost of funding earning assets | 1.6697% | 115 |
| Net interest margin | 2.8261% | 6,534 |
| Noninterest income to average assets | 0.8909% | 1,818 |
| Noninterest expense to average assets | 2.2075% | 5,987 |
| Loan and lease loss provision to assets | 0.1364% | 3,813 |
| Net operating income to assets | 0.7894% | 3,437 |
| Return on assets (ROA) | 0.8893% | 3,223 |
| Pretax return on assets | 1.1908% | 2,966 |
| Return on Equity (ROE) | 9.1542% | 2,737 |
| Retained earnings to average equity (ytd only) | 6.9865% | 2,111 |
| Net charge-offs to loans | 0.1840% | 3,484 |
| Credit loss provision to net charge-offs | 128.5714% | 2,140 |
| Earnings coverage of net charge-offs (x) | 11.2571% | 1,979 |
| Efficiency ratio | 64.8998% | 4,736 |
| Assets per employee ($millions) | 4.9756% | 2,204 |
| Cash dividends to net income (ytd only)* | 23.6797% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 3,081 |
| Loan loss allowance to noncurrent loans | 42.8800% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 2.6939% | 2,049 |
| Noncurrent loans to loans | 4.0501% | 1,353 |
| Net loans and leases to total assets | 56.4381% | 4,400 |
| Net loans and leases to deposits | 65.6453% | 4,548 |
| Net loans and leases to core deposits | 67.6744% | 4,830 |
| Total domestic deposits to total assets | 85.9744% | 3,365 |
| Equity capital to assets | 9.8072% | 4,616 |
| Core capital (leverage) ratio | 9.4553% | 4,209 |
| Tier 1 risk-based capital ratio | 14.7028% | 3,963 |
| Total risk-based capital ratio | 15.9672% | 3,913 |
| Memoranda: | ||
| Average total assets | $132,006,670 | 4,160 |
| Average earning assets | $117,263,670 | 4,232 |
| Average equity | $12,824,670 | 4,427 |
| Average total loans | $76,104,670 | 4,217 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5818% | 3,586 |
| Cost of funding earning assets | 1.7121% | 118 |
| Net interest margin | 2.8697% | 6,527 |
| Noninterest income to average assets | 0.8377% | 1,999 |
| Noninterest expense to average assets | 2.1950% | 6,050 |
| Loan and lease loss provision to assets | 0.1376% | 3,632 |
| Net operating income to assets | 0.7887% | 3,432 |
| Return on assets (ROA) | 0.7887% | 3,676 |
| Pretax return on assets | 1.0211% | 3,601 |
| Return on Equity (ROE) | 8.1584% | 3,213 |
| Retained earnings to average equity (ytd only) | 3.7630% | 4,330 |
| Net charge-offs to loans | 0.3070% | 2,433 |
| Credit loss provision to net charge-offs | 77.5862% | 2,773 |
| Earnings coverage of net charge-offs (x) | 6.5345% | 2,192 |
| Efficiency ratio | 65.4512% | 4,660 |
| Assets per employee ($millions) | 5.1166% | 2,105 |
| Cash dividends to net income (ytd only)* | 53.8760% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 3,082 |
| Loan loss allowance to noncurrent loans | 36.1149% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 3.0918% | 1,883 |
| Noncurrent loans to loans | 4.9073% | 1,154 |
| Net loans and leases to total assets | 54.4542% | 4,644 |
| Net loans and leases to deposits | 63.2049% | 4,745 |
| Net loans and leases to core deposits | 65.1612% | 4,999 |
| Total domestic deposits to total assets | 86.1551% | 3,440 |
| Equity capital to assets | 9.5549% | 4,718 |
| Core capital (leverage) ratio | 9.4591% | 4,104 |
| Tier 1 risk-based capital ratio | 14.9139% | 3,814 |
| Total risk-based capital ratio | 16.1677% | 3,780 |
| Memoranda: | ||
| Average total assets | $130,840,000 | 4,212 |
| Average earning assets | $114,715,000 | 4,316 |
| Average equity | $12,649,500 | 4,474 |
| Average total loans | $75,577,500 | 4,251 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9521% | 3,101 |
| Cost of funding earning assets | 1.9017% | 148 |
| Net interest margin | 3.0504% | 6,450 |
| Noninterest income to average assets | 0.7376% | 2,406 |
| Noninterest expense to average assets | 2.3442% | 5,927 |
| Loan and lease loss provision to assets | 0.1276% | 5,018 |
| Net operating income to assets | 0.7596% | 3,220 |
| Return on assets (ROA) | 0.7925% | 3,235 |
| Pretax return on assets | 1.0437% | 3,059 |
| Return on Equity (ROE) | 8.7096% | 2,588 |
| Retained earnings to average equity (ytd only) | 7.5200% | 1,271 |
| Net charge-offs to loans | 0.2844% | 4,001 |
| Credit loss provision to net charge-offs | 70.2128% | 4,839 |
| Earnings coverage of net charge-offs (x) | 6.2085% | 2,562 |
| Efficiency ratio | 67.5128% | 4,463 |
| Assets per employee ($millions) | 4.9480% | 2,275 |
| Cash dividends to net income (ytd only)* | 13.6585% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 3,179 |
| Loan loss allowance to noncurrent loans | 32.9424% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 3.4987% | 1,696 |
| Noncurrent loans to loans | 5.1765% | 1,064 |
| Net loans and leases to total assets | 59.1431% | 4,166 |
| Net loans and leases to deposits | 68.8776% | 4,298 |
| Net loans and leases to core deposits | 71.0781% | 4,639 |
| Total domestic deposits to total assets | 85.8670% | 3,391 |
| Equity capital to assets | 9.7848% | 4,461 |
| Core capital (leverage) ratio | 9.5006% | 4,026 |
| Tier 1 risk-based capital ratio | 14.3912% | 4,050 |
| Total risk-based capital ratio | 15.6566% | 4,012 |
| Memoranda: | ||
| Average total assets | $129,343,000 | 4,185 |
| Average earning assets | $115,951,400 | 4,239 |
| Average equity | $11,768,600 | 4,605 |
| Average total loans | $82,618,600 | 4,061 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9695% | 3,246 |
| Cost of funding earning assets | 1.9444% | 150 |
| Net interest margin | 3.0251% | 6,531 |
| Noninterest income to average assets | 0.6702% | 2,771 |
| Noninterest expense to average assets | 2.2627% | 6,138 |
| Loan and lease loss provision to assets | 0.1235% | 4,891 |
| Net operating income to assets | 0.7577% | 3,352 |
| Return on assets (ROA) | 0.8009% | 3,321 |
| Pretax return on assets | 1.0675% | 3,141 |
| Return on Equity (ROE) | 8.9704% | 2,611 |
| Retained earnings to average equity (ytd only) | 7.4715% | 1,723 |
| Net charge-offs to loans | 0.2256% | 4,026 |
| Credit loss provision to net charge-offs | 84.5070% | 3,982 |
| Earnings coverage of net charge-offs (x) | 7.7534% | 2,303 |
| Efficiency ratio | 66.6263% | 4,597 |
| Assets per employee ($millions) | 4.9753% | 2,219 |
| Cash dividends to net income (ytd only)* | 16.7096% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 3,356 |
| Loan loss allowance to noncurrent loans | 33.3496% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 3.5645% | 1,762 |
| Noncurrent loans to loans | 5.0233% | 1,235 |
| Net loans and leases to total assets | 62.0696% | 3,707 |
| Net loans and leases to deposits | 72.0211% | 3,989 |
| Net loans and leases to core deposits | 74.5003% | 4,382 |
| Total domestic deposits to total assets | 86.1825% | 3,103 |
| Equity capital to assets | 9.5897% | 4,948 |
| Core capital (leverage) ratio | 9.1469% | 4,716 |
| Tier 1 risk-based capital ratio | 12.9011% | 5,170 |
| Total risk-based capital ratio | 14.1645% | 5,139 |
| Memoranda: | ||
| Average total assets | $129,516,500 | 4,209 |
| Average earning assets | $116,709,500 | 4,231 |
| Average equity | $11,563,750 | 4,673 |
| Average total loans | $83,921,500 | 4,062 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9684% | 3,319 |
| Cost of funding earning assets | 1.9754% | 151 |
| Net interest margin | 2.9931% | 6,624 |
| Noninterest income to average assets | 0.6329% | 2,931 |
| Noninterest expense to average assets | 2.2737% | 6,188 |
| Loan and lease loss provision to assets | 0.1158% | 4,831 |
| Net operating income to assets | 0.7183% | 3,451 |
| Return on assets (ROA) | 0.7394% | 3,460 |
| Pretax return on assets | 0.9678% | 3,367 |
| Return on Equity (ROE) | 8.4904% | 2,719 |
| Retained earnings to average equity (ytd only) | 6.1861% | 2,306 |
| Net charge-offs to loans | 0.0142% | 5,646 |
| Credit loss provision to net charge-offs | 1,250.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 312 |
| Efficiency ratio | 68.2893% | 4,466 |
| Assets per employee ($millions) | 4.6774% | 2,580 |
| Cash dividends to net income (ytd only)* | 27.1399% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 3,198 |
| Loan loss allowance to noncurrent loans | 34.9796% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 3.4337% | 1,920 |
| Noncurrent loans to loans | 4.9658% | 1,322 |
| Net loans and leases to total assets | 63.0202% | 3,674 |
| Net loans and leases to deposits | 72.2970% | 4,068 |
| Net loans and leases to core deposits | 75.0502% | 4,429 |
| Total domestic deposits to total assets | 87.1684% | 2,645 |
| Equity capital to assets | 9.0054% | 5,574 |
| Core capital (leverage) ratio | 8.8993% | 4,879 |
| Tier 1 risk-based capital ratio | 12.2890% | 5,524 |
| Total risk-based capital ratio | 13.5421% | 5,511 |
| Memoranda: | ||
| Average total assets | $129,569,330 | 4,238 |
| Average earning assets | $116,736,670 | 4,261 |
| Average equity | $11,283,330 | 4,742 |
| Average total loans | $84,675,330 | 4,077 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0190% | 3,018 |
| Cost of funding earning assets | 1.9931% | 171 |
| Net interest margin | 3.0260% | 6,518 |
| Noninterest income to average assets | 0.5897% | 3,242 |
| Noninterest expense to average assets | 2.2596% | 6,284 |
| Loan and lease loss provision to assets | 0.0931% | 4,852 |
| Net operating income to assets | 0.7242% | 3,410 |
| Return on assets (ROA) | 0.7667% | 3,261 |
| Pretax return on assets | 1.0026% | 3,126 |
| Return on Equity (ROE) | 8.9590% | 2,489 |
| Retained earnings to average equity (ytd only) | 4.4251% | 3,524 |
| Net charge-offs to loans | 0.0141% | 4,884 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 111.6667% | 294 |
| Efficiency ratio | 68.4854% | 4,567 |
| Assets per employee ($millions) | 5.0159% | 2,143 |
| Cash dividends to net income (ytd only)* | 50.6073% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 3,393 |
| Loan loss allowance to noncurrent loans | 41.3481% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 2.8916% | 2,386 |
| Noncurrent loans to loans | 4.0753% | 1,768 |
| Net loans and leases to total assets | 63.3935% | 3,562 |
| Net loans and leases to deposits | 72.2820% | 4,028 |
| Net loans and leases to core deposits | 74.8452% | 4,443 |
| Total domestic deposits to total assets | 87.7030% | 2,553 |
| Equity capital to assets | 8.5328% | 5,860 |
| Core capital (leverage) ratio | 8.9101% | 4,757 |
| Tier 1 risk-based capital ratio | 11.8862% | 5,794 |
| Total risk-based capital ratio | 13.1483% | 5,775 |
| Memoranda: | ||
| Average total assets | $128,871,000 | 4,282 |
| Average earning assets | $115,400,500 | 4,314 |
| Average equity | $11,028,000 | 4,794 |
| Average total loans | $85,016,000 | 4,106 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2885% | 3,184 |
| Cost of funding earning assets | 2.4225% | 141 |
| Net interest margin | 2.8660% | 6,944 |
| Noninterest income to average assets | 0.7419% | 2,582 |
| Noninterest expense to average assets | 2.4088% | 6,075 |
| Loan and lease loss provision to assets | 0.1462% | 5,723 |
| Net operating income to assets | 0.5792% | 3,761 |
| Return on assets (ROA) | 0.6067% | 3,807 |
| Pretax return on assets | 0.7977% | 3,647 |
| Return on Equity (ROE) | 7.4084% | 2,932 |
| Retained earnings to average equity (ytd only) | 6.7654% | 1,421 |
| Net charge-offs to loans | 0.2090% | 5,042 |
| Credit loss provision to net charge-offs | 100.5405% | 4,525 |
| Earnings coverage of net charge-offs (x) | 6.2432% | 2,405 |
| Efficiency ratio | 72.6303% | 3,674 |
| Assets per employee ($millions) | 4.8972% | 2,297 |
| Cash dividends to net income (ytd only)* | 8.6788% | 3,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6174% | 3,516 |
| Loan loss allowance to noncurrent loans | 40.1154% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 2.9915% | 2,350 |
| Noncurrent loans to loans | 4.0318% | 1,797 |
| Net loans and leases to total assets | 66.4041% | 3,383 |
| Net loans and leases to deposits | 76.0597% | 3,828 |
| Net loans and leases to core deposits | 78.6404% | 4,380 |
| Total domestic deposits to total assets | 87.3052% | 2,664 |
| Equity capital to assets | 8.5826% | 5,745 |
| Core capital (leverage) ratio | 8.7762% | 4,892 |
| Tier 1 risk-based capital ratio | 11.7044% | 5,721 |
| Total risk-based capital ratio | 12.9575% | 5,721 |
| Memoranda: | ||
| Average total assets | $127,241,800 | 4,332 |
| Average earning assets | $114,303,800 | 4,366 |
| Average equity | $10,420,600 | 5,003 |
| Average total loans | $88,525,800 | 4,091 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2924% | 3,387 |
| Cost of funding earning assets | 2.4989% | 138 |
| Net interest margin | 2.7935% | 7,139 |
| Noninterest income to average assets | 0.6246% | 3,283 |
| Noninterest expense to average assets | 2.2679% | 6,414 |
| Loan and lease loss provision to assets | 0.1635% | 5,405 |
| Net operating income to assets | 0.5582% | 4,061 |
| Return on assets (ROA) | 0.5963% | 4,047 |
| Pretax return on assets | 0.7556% | 4,063 |
| Return on Equity (ROE) | 7.3700% | 3,171 |
| Retained earnings to average equity (ytd only) | 6.5022% | 2,091 |
| Net charge-offs to loans | 0.2527% | 4,429 |
| Credit loss provision to net charge-offs | 92.3077% | 4,678 |
| Earnings coverage of net charge-offs (x) | 4.9171% | 2,898 |
| Efficiency ratio | 72.2538% | 3,649 |
| Assets per employee ($millions) | 4.9047% | 2,313 |
| Cash dividends to net income (ytd only)* | 11.7749% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,718 |
| Loan loss allowance to noncurrent loans | 34.7738% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 3.3815% | 2,105 |
| Noncurrent loans to loans | 4.4690% | 1,622 |
| Net loans and leases to total assets | 65.8227% | 3,729 |
| Net loans and leases to deposits | 76.8127% | 4,036 |
| Net loans and leases to core deposits | 79.7196% | 4,560 |
| Total domestic deposits to total assets | 85.6925% | 3,242 |
| Equity capital to assets | 8.4915% | 6,285 |
| Core capital (leverage) ratio | 8.6129% | 5,327 |
| Tier 1 risk-based capital ratio | 11.4869% | 5,951 |
| Total risk-based capital ratio | 12.6545% | 6,004 |
| Memoranda: | ||
| Average total assets | $127,220,250 | 4,386 |
| Average earning assets | $114,500,000 | 4,416 |
| Average equity | $10,293,750 | 5,106 |
| Average total loans | $89,172,000 | 4,139 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3519% | 3,206 |
| Cost of funding earning assets | 2.6156% | 124 |
| Net interest margin | 2.7363% | 7,214 |
| Noninterest income to average assets | 0.4877% | 4,214 |
| Noninterest expense to average assets | 2.2744% | 6,424 |
| Loan and lease loss provision to assets | 0.2008% | 4,862 |
| Net operating income to assets | 0.3974% | 4,767 |
| Return on assets (ROA) | 0.4590% | 4,672 |
| Pretax return on assets | 0.5435% | 4,764 |
| Return on Equity (ROE) | 5.7735% | 3,904 |
| Retained earnings to average equity (ytd only) | 4.4303% | 3,255 |
| Net charge-offs to loans | 0.2752% | 3,961 |
| Credit loss provision to net charge-offs | 102.4390% | 3,983 |
| Earnings coverage of net charge-offs (x) | 3.4228% | 3,329 |
| Efficiency ratio | 77.2186% | 2,857 |
| Assets per employee ($millions) | 4.9173% | 2,279 |
| Cash dividends to net income (ytd only)* | 23.2639% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 3,648 |
| Loan loss allowance to noncurrent loans | 40.3947% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 3.1028% | 2,284 |
| Noncurrent loans to loans | 3.8483% | 1,993 |
| Net loans and leases to total assets | 68.9498% | 3,142 |
| Net loans and leases to deposits | 80.9315% | 3,443 |
| Net loans and leases to core deposits | 83.0089% | 4,275 |
| Total domestic deposits to total assets | 85.1953% | 3,520 |
| Equity capital to assets | 8.4489% | 6,232 |
| Core capital (leverage) ratio | 8.5069% | 5,393 |
| Tier 1 risk-based capital ratio | 11.3118% | 5,932 |
| Total risk-based capital ratio | 12.5737% | 5,906 |
| Memoranda: | ||
| Average total assets | $125,484,670 | 4,461 |
| Average earning assets | $112,708,670 | 4,489 |
| Average equity | $9,976,670 | 5,207 |
| Average total loans | $89,381,670 | 4,162 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2750% | 3,668 |
| Cost of funding earning assets | 2.6625% | 138 |
| Net interest margin | 2.6125% | 7,380 |
| Noninterest income to average assets | 0.4924% | 4,103 |
| Noninterest expense to average assets | 2.3266% | 6,312 |
| Loan and lease loss provision to assets | 0.2027% | 4,472 |
| Net operating income to assets | 0.2784% | 5,378 |
| Return on assets (ROA) | 0.4087% | 4,947 |
| Pretax return on assets | 0.4666% | 5,068 |
| Return on Equity (ROE) | 5.3116% | 4,204 |
| Retained earnings to average equity (ytd only) | 2.5094% | 4,633 |
| Net charge-offs to loans | 0.1433% | 4,075 |
| Credit loss provision to net charge-offs | 196.8750% | 1,882 |
| Earnings coverage of net charge-offs (x) | 5.0625% | 2,480 |
| Efficiency ratio | 81.6949% | 2,316 |
| Assets per employee ($millions) | 4.8788% | 2,396 |
| Cash dividends to net income (ytd only)* | 52.7559% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 3,469 |
| Loan loss allowance to noncurrent loans | 42.4895% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 2.9058% | 2,468 |
| Noncurrent loans to loans | 3.7535% | 2,115 |
| Net loans and leases to total assets | 69.0719% | 3,140 |
| Net loans and leases to deposits | 80.1781% | 3,629 |
| Net loans and leases to core deposits | 83.2197% | 4,306 |
| Total domestic deposits to total assets | 86.1481% | 3,071 |
| Equity capital to assets | 7.5436% | 7,036 |
| Core capital (leverage) ratio | 7.9145% | 6,366 |
| Tier 1 risk-based capital ratio | 10.0070% | 7,031 |
| Total risk-based capital ratio | 11.2594% | 7,016 |
| Memoranda: | ||
| Average total assets | $124,301,500 | 4,536 |
| Average earning assets | $112,076,500 | 4,563 |
| Average equity | $9,564,000 | 5,355 |
| Average total loans | $89,300,000 | 4,216 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4837% | 4,234 |
| Cost of funding earning assets | 3.1076% | 167 |
| Net interest margin | 2.3761% | 7,527 |
| Noninterest income to average assets | 0.6621% | 3,206 |
| Noninterest expense to average assets | 2.2930% | 6,765 |
| Loan and lease loss provision to assets | 1.1169% | 2,047 |
| Net operating income to assets | -0.1681% | 5,793 |
| Return on assets (ROA) | -0.1249% | 5,713 |
| Pretax return on assets | -0.5322% | 6,036 |
| Return on Equity (ROE) | -1.5358% | 5,785 |
| Retained earnings to average equity (ytd only) | -1.7713% | 5,455 |
| Net charge-offs to loans | 0.7113% | 3,050 |
| Credit loss provision to net charge-offs | 232.4090% | 1,577 |
| Earnings coverage of net charge-offs (x) | 1.0763% | 5,034 |
| Efficiency ratio | 81.5945% | 2,658 |
| Assets per employee ($millions) | 4.6828% | 2,642 |
| Cash dividends to net income (ytd only)* | -15.3333% | 7,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 3,474 |
| Loan loss allowance to noncurrent loans | 35.7621% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 3.4997% | 1,920 |
| Noncurrent loans to loans | 4.3366% | 1,655 |
| Net loans and leases to total assets | 72.4198% | 2,657 |
| Net loans and leases to deposits | 84.6159% | 3,158 |
| Net loans and leases to core deposits | 100.5829% | 3,939 |
| Total domestic deposits to total assets | 85.5865% | 3,236 |
| Equity capital to assets | 7.8511% | 6,716 |
| Core capital (leverage) ratio | 7.7926% | 6,460 |
| Tier 1 risk-based capital ratio | 9.9857% | 6,883 |
| Total risk-based capital ratio | 11.2474% | 6,847 |
| Memoranda: | ||
| Average total assets | $120,063,600 | 4,562 |
| Average earning assets | $108,540,200 | 4,612 |
| Average equity | $9,767,000 | 5,364 |
| Average total loans | $81,114,800 | 4,467 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 4,607 |
| Cost of funding earning assets | 3.1610% | 206 |
| Net interest margin | 2.3033% | 7,640 |
| Noninterest income to average assets | 0.6854% | 3,119 |
| Noninterest expense to average assets | 2.2623% | 6,808 |
| Loan and lease loss provision to assets | 0.9395% | 2,048 |
| Net operating income to assets | -0.0919% | 5,877 |
| Return on assets (ROA) | -0.0334% | 5,830 |
| Pretax return on assets | -0.3421% | 6,139 |
| Return on Equity (ROE) | -0.4074% | 5,845 |
| Retained earnings to average equity (ytd only) | -0.7196% | 5,412 |
| Net charge-offs to loans | 0.1485% | 5,221 |
| Credit loss provision to net charge-offs | 957.9545% | 391 |
| Earnings coverage of net charge-offs (x) | 5.1591% | 2,908 |
| Efficiency ratio | 81.7230% | 2,621 |
| Assets per employee ($millions) | 4.7399% | 2,490 |
| Cash dividends to net income (ytd only)* | -76.6750% | 7,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 2,966 |
| Loan loss allowance to noncurrent loans | 41.1817% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 3.0250% | 2,293 |
| Noncurrent loans to loans | 3.8990% | 1,887 |
| Net loans and leases to total assets | 68.6201% | 3,819 |
| Net loans and leases to deposits | 81.8684% | 4,054 |
| Net loans and leases to core deposits | 98.9481% | 4,492 |
| Total domestic deposits to total assets | 83.8175% | 3,811 |
| Equity capital to assets | 8.0665% | 6,782 |
| Core capital (leverage) ratio | 7.7740% | 6,638 |
| Tier 1 risk-based capital ratio | 10.2779% | 6,706 |
| Total risk-based capital ratio | 11.5298% | 6,649 |
| Memoranda: | ||
| Average total assets | $119,641,000 | 4,605 |
| Average earning assets | $108,190,750 | 4,646 |
| Average equity | $9,819,000 | 5,394 |
| Average total loans | $79,002,750 | 4,586 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4297% | 4,994 |
| Cost of funding earning assets | 3.1824% | 282 |
| Net interest margin | 2.2474% | 7,717 |
| Noninterest income to average assets | 0.7632% | 2,634 |
| Noninterest expense to average assets | 2.3134% | 6,725 |
| Loan and lease loss provision to assets | 1.3576% | 1,274 |
| Net operating income to assets | -0.4074% | 6,456 |
| Return on assets (ROA) | -0.3901% | 6,446 |
| Pretax return on assets | -0.8595% | 6,721 |
| Return on Equity (ROE) | -4.7247% | 6,577 |
| Retained earnings to average equity (ytd only) | -5.0724% | 6,309 |
| Net charge-offs to loans | 0.2086% | 4,211 |
| Credit loss provision to net charge-offs | 1,005.0000% | 480 |
| Earnings coverage of net charge-offs (x) | 3.4875% | 3,425 |
| Efficiency ratio | 83.0807% | 2,594 |
| Assets per employee ($millions) | 4.7396% | 2,410 |
| Cash dividends to net income (ytd only)* | -7.3593% | 7,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7149% | 2,288 |
| Loan loss allowance to noncurrent loans | 48.0413% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 2.5302% | 2,546 |
| Noncurrent loans to loans | 3.5696% | 1,961 |
| Net loans and leases to total assets | 62.7417% | 5,226 |
| Net loans and leases to deposits | 75.0422% | 5,311 |
| Net loans and leases to core deposits | 89.9504% | 5,540 |
| Total domestic deposits to total assets | 83.6086% | 3,962 |
| Equity capital to assets | 7.7133% | 7,059 |
| Core capital (leverage) ratio | 7.7749% | 6,641 |
| Tier 1 risk-based capital ratio | 10.3442% | 6,541 |
| Total risk-based capital ratio | 11.6031% | 6,468 |
| Memoranda: | ||
| Average total assets | $118,442,000 | 4,675 |
| Average earning assets | $106,524,670 | 4,709 |
| Average equity | $9,778,330 | 5,428 |
| Average total loans | $76,688,330 | 4,713 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5538% | 4,618 |
| Cost of funding earning assets | 3.1654% | 379 |
| Net interest margin | 2.3884% | 7,632 |
| Noninterest income to average assets | 0.7204% | 2,763 |
| Noninterest expense to average assets | 2.1508% | 7,006 |
| Loan and lease loss provision to assets | 0.1241% | 5,372 |
| Net operating income to assets | 0.5343% | 4,279 |
| Return on assets (ROA) | 0.5343% | 4,470 |
| Pretax return on assets | 0.5963% | 4,762 |
| Return on Equity (ROE) | 6.2532% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.2532% | 2,524 |
| Net charge-offs to loans | 0.0106% | 5,483 |
| Credit loss provision to net charge-offs | 1,800.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 104.5000% | 418 |
| Efficiency ratio | 74.9100% | 3,677 |
| Assets per employee ($millions) | 4.7600% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 6,904 |
| Loan loss allowance to noncurrent loans | 189.3678% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 5,774 |
| Noncurrent loans to loans | 0.4555% | 6,281 |
| Net loans and leases to total assets | 63.6504% | 5,048 |
| Net loans and leases to deposits | 78.2552% | 4,885 |
| Net loans and leases to core deposits | 93.8285% | 5,174 |
| Total domestic deposits to total assets | 81.3370% | 4,818 |
| Equity capital to assets | 8.3916% | 6,245 |
| Core capital (leverage) ratio | 9.0648% | 4,605 |
| Tier 1 risk-based capital ratio | 11.2214% | 5,681 |
| Total risk-based capital ratio | 11.9615% | 6,081 |
| Memoranda: | ||
| Average total assets | $116,048,500 | 4,750 |
| Average earning assets | $104,505,500 | 4,790 |
| Average equity | $9,915,000 | 5,409 |
| Average total loans | $75,700,000 | 4,772 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2666% | 4,149 |
| Cost of funding earning assets | 3.4182% | 678 |
| Net interest margin | 2.8483% | 7,257 |
| Noninterest income to average assets | 0.4889% | 4,702 |
| Noninterest expense to average assets | 2.2436% | 6,852 |
| Loan and lease loss provision to assets | 0.0820% | 6,362 |
| Net operating income to assets | 0.5652% | 4,462 |
| Return on assets (ROA) | 0.6129% | 4,112 |
| Pretax return on assets | 0.7511% | 4,239 |
| Return on Equity (ROE) | 6.7716% | 3,634 |
| Retained earnings to average equity (ytd only) | 5.6658% | 1,685 |
| Net charge-offs to loans | 0.1003% | 5,311 |
| Credit loss provision to net charge-offs | 121.1268% | 4,430 |
| Earnings coverage of net charge-offs (x) | 11.4507% | 2,372 |
| Efficiency ratio | 74.3290% | 3,519 |
| Assets per employee ($millions) | 4.7124% | 2,306 |
| Cash dividends to net income (ytd only)* | 16.3297% | 4,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 6,964 |
| Loan loss allowance to noncurrent loans | 182.2157% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 4,971 |
| Noncurrent loans to loans | 0.4574% | 5,972 |
| Net loans and leases to total assets | 65.7595% | 4,904 |
| Net loans and leases to deposits | 81.5885% | 4,779 |
| Net loans and leases to core deposits | 98.9700% | 4,933 |
| Total domestic deposits to total assets | 80.5990% | 4,806 |
| Equity capital to assets | 8.7040% | 5,805 |
| Core capital (leverage) ratio | 9.0842% | 4,623 |
| Tier 1 risk-based capital ratio | 10.9587% | 5,760 |
| Total risk-based capital ratio | 11.6550% | 6,182 |
| Memoranda: | ||
| Average total assets | $104,918,800 | 4,901 |
| Average earning assets | $93,176,800 | 4,996 |
| Average equity | $9,495,600 | 5,574 |
| Average total loans | $70,793,000 | 4,835 |