Home > The Riddell National Bank > Performance and Condition Ratios
The Riddell National 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 | 4.8541% | 2,373 |
| Cost of funding earning assets | 1.6567% | 1,550 |
| Net interest margin | 3.1974% | 2,882 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.7993% | 1,501 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.6708% | 3,262 |
| Return on assets (ROA) | 0.6859% | 3,207 |
| Pretax return on assets | 0.8274% | 3,146 |
| Return on Equity (ROE) | 9.8600% | 2,540 |
| Retained earnings to average equity (ytd only) | 6.1228% | 2,199 |
| Net charge-offs to loans | 0.0400% | 1,516 |
| Credit loss provision to net charge-offs | 389.0110% | 796 |
| Earnings coverage of net charge-offs (x) | 31.2308% | 1,611 |
| Efficiency ratio | 75.1769% | 1,333 |
| Assets per employee ($millions) | 5.2918% | 3,402 |
| Cash dividends to net income (ytd only)* | 37.9327% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 1,934 |
| Loan loss allowance to noncurrent loans | 116.2799% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.8569% | 591 |
| Noncurrent loans to loans | 1.0905% | 673 |
| Net loans and leases to total assets | 74.9400% | 1,251 |
| Net loans and leases to deposits | 85.0580% | 1,685 |
| Net loans and leases to core deposits | 100.0500% | 1,431 |
| Total domestic deposits to total assets | 88.1100% | 1,309 |
| Equity capital to assets | 7.0477% | 3,918 |
| Core capital (leverage) ratio | 8.5853% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5328% | 2,398 |
| Memoranda: | ||
| Average total assets | $307,464,400 | 2,393 |
| Average earning assets | $284,541,600 | 2,386 |
| Average equity | $21,379,200 | 2,742 |
| Average total loans | $227,539,800 | 2,116 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 2,336 |
| Cost of funding earning assets | 1.4700% | 1,687 |
| Net interest margin | 3.2974% | 2,691 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.8108% | 1,412 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.6583% | 3,414 |
| Return on assets (ROA) | 0.6679% | 3,380 |
| Pretax return on assets | 0.8238% | 3,282 |
| Return on Equity (ROE) | 9.6400% | 2,752 |
| Retained earnings to average equity (ytd only) | 9.0063% | 1,688 |
| Net charge-offs to loans | 0.0370% | 1,361 |
| Credit loss provision to net charge-offs | 358.0645% | 781 |
| Earnings coverage of net charge-offs (x) | 33.4032% | 1,538 |
| Efficiency ratio | 75.5548% | 1,215 |
| Assets per employee ($millions) | 5.1165% | 3,505 |
| Cash dividends to net income (ytd only)* | 6.5746% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,021 |
| Loan loss allowance to noncurrent loans | 214.8784% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 1,301 |
| Noncurrent loans to loans | 0.5899% | 1,361 |
| Net loans and leases to total assets | 74.9800% | 1,240 |
| Net loans and leases to deposits | 84.0300% | 1,736 |
| Net loans and leases to core deposits | 98.3177% | 1,426 |
| Total domestic deposits to total assets | 89.2300% | 1,180 |
| Equity capital to assets | 6.7461% | 3,730 |
| Core capital (leverage) ratio | 8.9131% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8868% | 2,305 |
| Memoranda: | ||
| Average total assets | $303,630,000 | 2,416 |
| Average earning assets | $280,622,000 | 2,411 |
| Average equity | $21,036,500 | 2,761 |
| Average total loans | $223,169,000 | 2,142 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 2,224 |
| Cost of funding earning assets | 1.3079% | 1,686 |
| Net interest margin | 3.3846% | 2,561 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.9002% | 1,208 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.5874% | 3,614 |
| Return on assets (ROA) | 0.5977% | 3,581 |
| Pretax return on assets | 0.7307% | 3,539 |
| Return on Equity (ROE) | 8.5500% | 3,097 |
| Retained earnings to average equity (ytd only) | 7.5985% | 2,097 |
| Net charge-offs to loans | -0.0229% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.1921% | 1,157 |
| Assets per employee ($millions) | 4.9576% | 3,631 |
| Cash dividends to net income (ytd only)* | 11.1235% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 1,574 |
| Loan loss allowance to noncurrent loans | 498.7342% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 2,164 |
| Noncurrent loans to loans | 0.2783% | 2,152 |
| Net loans and leases to total assets | 72.8600% | 1,425 |
| Net loans and leases to deposits | 81.5521% | 1,866 |
| Net loans and leases to core deposits | 93.0158% | 1,625 |
| Total domestic deposits to total assets | 89.3400% | 1,123 |
| Equity capital to assets | 7.0137% | 3,789 |
| Core capital (leverage) ratio | 8.8517% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7927% | 2,372 |
| Memoranda: | ||
| Average total assets | $300,805,000 | 2,435 |
| Average earning assets | $277,547,333 | 2,439 |
| Average equity | $21,030,333 | 2,771 |
| Average total loans | $218,555,667 | 2,162 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 2,199 |
| Cost of funding earning assets | 1.1770% | 1,514 |
| Net interest margin | 3.3698% | 2,708 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.9053% | 1,225 |
| Loan and lease loss provision to assets | 0.3000% | 286 |
| Net operating income to assets | 0.5367% | 3,820 |
| Return on assets (ROA) | 0.5445% | 3,765 |
| Pretax return on assets | 0.6588% | 3,741 |
| Return on Equity (ROE) | 7.8000% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.8010% | 2,278 |
| Net charge-offs to loans | 0.0243% | 1,203 |
| Credit loss provision to net charge-offs | 1,692.3077% | 235 |
| Earnings coverage of net charge-offs (x) | 54.0769% | 1,074 |
| Efficiency ratio | 75.4539% | 1,205 |
| Assets per employee ($millions) | 4.8598% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 1,650 |
| Loan loss allowance to noncurrent loans | 290.8484% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 1,474 |
| Noncurrent loans to loans | 0.4788% | 1,514 |
| Net loans and leases to total assets | 71.7100% | 1,455 |
| Net loans and leases to deposits | 78.6513% | 1,915 |
| Net loans and leases to core deposits | 88.8797% | 1,683 |
| Total domestic deposits to total assets | 91.1700% | 747 |
| Equity capital to assets | 7.0603% | 3,802 |
| Core capital (leverage) ratio | 8.8695% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8744% | 2,438 |
| Memoranda: | ||
| Average total assets | $297,522,500 | 2,484 |
| Average earning assets | $275,622,000 | 2,476 |
| Average equity | $20,766,500 | 2,821 |
| Average total loans | $214,280,000 | 2,212 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 1,661 |
| Cost of funding earning assets | 0.5429% | 1,146 |
| Net interest margin | 3.4781% | 1,999 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 2.8882% | 1,141 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9444% | 2,794 |
| Return on assets (ROA) | 0.9402% | 2,756 |
| Pretax return on assets | 1.1899% | 2,473 |
| Return on Equity (ROE) | 12.5900% | 1,940 |
| Retained earnings to average equity (ytd only) | 8.8034% | 1,536 |
| Net charge-offs to loans | 0.0642% | 1,001 |
| Credit loss provision to net charge-offs | 71.4286% | 1,721 |
| Earnings coverage of net charge-offs (x) | 27.5317% | 1,729 |
| Efficiency ratio | 70.1822% | 1,658 |
| Assets per employee ($millions) | 4.6625% | 3,931 |
| Cash dividends to net income (ytd only)* | 30.0978% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 3,469 |
| Loan loss allowance to noncurrent loans | 146.8192% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 1,062 |
| Noncurrent loans to loans | 0.6679% | 1,116 |
| Net loans and leases to total assets | 70.6100% | 1,571 |
| Net loans and leases to deposits | 78.4589% | 1,899 |
| Net loans and leases to core deposits | 87.0240% | 1,678 |
| Total domestic deposits to total assets | 89.9900% | 1,370 |
| Equity capital to assets | 6.8973% | 3,714 |
| Core capital (leverage) ratio | 9.0974% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9502% | 2,394 |
| Memoranda: | ||
| Average total assets | $282,701,200 | 2,538 |
| Average earning assets | $260,806,200 | 2,547 |
| Average equity | $21,105,400 | 2,851 |
| Average total loans | $196,226,000 | 2,259 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 1,447 |
| Cost of funding earning assets | 0.4216% | 1,147 |
| Net interest margin | 3.4949% | 1,676 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 2.8529% | 1,138 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9194% | 2,797 |
| Return on assets (ROA) | 0.9164% | 2,779 |
| Pretax return on assets | 1.1631% | 2,513 |
| Return on Equity (ROE) | 12.0300% | 2,019 |
| Retained earnings to average equity (ytd only) | 11.4086% | 942 |
| Net charge-offs to loans | 0.0781% | 757 |
| Credit loss provision to net charge-offs | 44.2478% | 1,547 |
| Earnings coverage of net charge-offs (x) | 22.1239% | 1,675 |
| Efficiency ratio | 70.5536% | 1,696 |
| Assets per employee ($millions) | 4.5655% | 4,007 |
| Cash dividends to net income (ytd only)* | 5.1975% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,436 |
| Loan loss allowance to noncurrent loans | 184.7767% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 1,402 |
| Noncurrent loans to loans | 0.5452% | 1,452 |
| Net loans and leases to total assets | 70.3700% | 1,449 |
| Net loans and leases to deposits | 77.5790% | 1,753 |
| Net loans and leases to core deposits | 83.8630% | 1,663 |
| Total domestic deposits to total assets | 90.7100% | 1,357 |
| Equity capital to assets | 6.8933% | 3,570 |
| Core capital (leverage) ratio | 9.3385% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5114% | 2,257 |
| Memoranda: | ||
| Average total assets | $279,941,750 | 2,571 |
| Average earning assets | $258,043,250 | 2,584 |
| Average equity | $21,316,750 | 2,866 |
| Average total loans | $192,919,250 | 2,282 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7953% | 1,327 |
| Cost of funding earning assets | 0.3592% | 1,196 |
| Net interest margin | 3.4361% | 1,495 |
| Noninterest income to average assets | 0.8598% | 924 |
| Noninterest expense to average assets | 2.8533% | 1,069 |
| Loan and lease loss provision to assets | 0.0143% | 2,337 |
| Net operating income to assets | 0.9160% | 2,515 |
| Return on assets (ROA) | 0.9143% | 2,491 |
| Pretax return on assets | 1.1588% | 2,215 |
| Return on Equity (ROE) | 11.6341% | 1,779 |
| Retained earnings to average equity (ytd only) | 10.7216% | 841 |
| Net charge-offs to loans | 0.0789% | 681 |
| Credit loss provision to net charge-offs | 26.6667% | 1,580 |
| Earnings coverage of net charge-offs (x) | 21.8533% | 1,516 |
| Efficiency ratio | 70.8259% | 1,849 |
| Assets per employee ($millions) | 4.6448% | 3,976 |
| Cash dividends to net income (ytd only)* | 7.8431% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,421 |
| Loan loss allowance to noncurrent loans | 153.1979% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 1,190 |
| Noncurrent loans to loans | 0.6794% | 1,271 |
| Net loans and leases to total assets | 69.4662% | 1,347 |
| Net loans and leases to deposits | 76.8744% | 1,623 |
| Net loans and leases to core deposits | 82.5000% | 1,559 |
| Total domestic deposits to total assets | 90.3633% | 1,534 |
| Equity capital to assets | 7.1479% | 3,691 |
| Core capital (leverage) ratio | 9.0266% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9867% | 2,506 |
| Memoranda: | ||
| Average total assets | $278,903,000 | 2,592 |
| Average earning assets | $257,211,000 | 2,617 |
| Average equity | $21,918,333 | 2,905 |
| Average total loans | $190,154,000 | 2,299 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 1,303 |
| Cost of funding earning assets | 0.3327% | 1,347 |
| Net interest margin | 3.3524% | 1,432 |
| Noninterest income to average assets | 1.0580% | 616 |
| Noninterest expense to average assets | 2.8372% | 1,082 |
| Loan and lease loss provision to assets | 0.0287% | 1,852 |
| Net operating income to assets | 1.0055% | 1,865 |
| Return on assets (ROA) | 1.0021% | 1,868 |
| Pretax return on assets | 1.2788% | 1,568 |
| Return on Equity (ROE) | 12.2003% | 1,255 |
| Retained earnings to average equity (ytd only) | 12.2003% | 577 |
| Net charge-offs to loans | 0.0576% | 733 |
| Credit loss provision to net charge-offs | 74.0741% | 1,125 |
| Earnings coverage of net charge-offs (x) | 33.8889% | 1,078 |
| Efficiency ratio | 68.3829% | 2,457 |
| Assets per employee ($millions) | 4.5922% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,283 |
| Loan loss allowance to noncurrent loans | 146.5541% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 1,202 |
| Noncurrent loans to loans | 0.7579% | 1,257 |
| Net loans and leases to total assets | 65.1687% | 1,497 |
| Net loans and leases to deposits | 73.9493% | 1,614 |
| Net loans and leases to core deposits | 78.3292% | 1,588 |
| Total domestic deposits to total assets | 88.1261% | 2,470 |
| Equity capital to assets | 7.8025% | 3,727 |
| Core capital (leverage) ratio | 9.0952% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4528% | 2,425 |
| Memoranda: | ||
| Average total assets | $279,012,000 | 2,606 |
| Average earning assets | $257,250,500 | 2,626 |
| Average equity | $22,917,500 | 2,910 |
| Average total loans | $187,417,000 | 2,311 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9146% | 1,570 |
| Cost of funding earning assets | 0.4189% | 1,401 |
| Net interest margin | 3.4957% | 1,751 |
| Noninterest income to average assets | 1.0058% | 995 |
| Noninterest expense to average assets | 2.8705% | 1,219 |
| Loan and lease loss provision to assets | 0.0376% | 2,290 |
| Net operating income to assets | 1.0286% | 2,565 |
| Return on assets (ROA) | 1.0070% | 2,712 |
| Pretax return on assets | 1.2889% | 2,393 |
| Return on Equity (ROE) | 11.7163% | 1,911 |
| Retained earnings to average equity (ytd only) | 8.2176% | 1,455 |
| Net charge-offs to loans | 0.1497% | 638 |
| Credit loss provision to net charge-offs | 35.5872% | 2,214 |
| Earnings coverage of net charge-offs (x) | 12.8185% | 2,099 |
| Efficiency ratio | 67.9509% | 1,991 |
| Assets per employee ($millions) | 4.2704% | 4,286 |
| Cash dividends to net income (ytd only)* | 29.8619% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 3,291 |
| Loan loss allowance to noncurrent loans | 108.7409% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7245% | 865 |
| Noncurrent loans to loans | 1.0267% | 958 |
| Net loans and leases to total assets | 67.7310% | 1,301 |
| Net loans and leases to deposits | 77.7887% | 1,415 |
| Net loans and leases to core deposits | 82.4388% | 1,427 |
| Total domestic deposits to total assets | 87.0705% | 2,492 |
| Equity capital to assets | 8.6423% | 3,945 |
| Core capital (leverage) ratio | 9.0829% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4334% | 2,482 |
| Memoranda: | ||
| Average total assets | $266,047,400 | 2,630 |
| Average earning assets | $244,955,800 | 2,652 |
| Average equity | $22,865,600 | 2,997 |
| Average total loans | $187,678,800 | 2,321 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 1,700 |
| Cost of funding earning assets | 0.4357% | 1,449 |
| Net interest margin | 3.4870% | 1,903 |
| Noninterest income to average assets | 1.0233% | 1,030 |
| Noninterest expense to average assets | 2.8141% | 1,310 |
| Loan and lease loss provision to assets | 0.0503% | 1,989 |
| Net operating income to assets | 1.0687% | 2,655 |
| Return on assets (ROA) | 1.0344% | 2,855 |
| Pretax return on assets | 1.3256% | 2,554 |
| Return on Equity (ROE) | 12.0530% | 2,026 |
| Retained earnings to average equity (ytd only) | 11.4651% | 957 |
| Net charge-offs to loans | 0.1590% | 527 |
| Credit loss provision to net charge-offs | 44.6429% | 1,888 |
| Earnings coverage of net charge-offs (x) | 12.5580% | 1,952 |
| Efficiency ratio | 66.4720% | 2,036 |
| Assets per employee ($millions) | 4.2448% | 4,305 |
| Cash dividends to net income (ytd only)* | 4.8780% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 3,251 |
| Loan loss allowance to noncurrent loans | 136.3175% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5798% | 1,321 |
| Noncurrent loans to loans | 0.8366% | 1,367 |
| Net loans and leases to total assets | 68.5062% | 1,258 |
| Net loans and leases to deposits | 78.9768% | 1,389 |
| Net loans and leases to core deposits | 83.7724% | 1,441 |
| Total domestic deposits to total assets | 86.7422% | 2,451 |
| Equity capital to assets | 8.7125% | 4,057 |
| Core capital (leverage) ratio | 9.2835% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5854% | 2,514 |
| Memoranda: | ||
| Average total assets | $264,232,750 | 2,667 |
| Average earning assets | $243,256,750 | 2,674 |
| Average equity | $22,677,000 | 3,044 |
| Average total loans | $187,797,750 | 2,356 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 1,795 |
| Cost of funding earning assets | 0.4509% | 1,508 |
| Net interest margin | 3.4561% | 1,988 |
| Noninterest income to average assets | 1.1262% | 891 |
| Noninterest expense to average assets | 2.7850% | 1,386 |
| Loan and lease loss provision to assets | 0.0764% | 1,563 |
| Net operating income to assets | 1.1260% | 2,445 |
| Return on assets (ROA) | 1.0735% | 2,709 |
| Pretax return on assets | 1.3784% | 2,398 |
| Return on Equity (ROE) | 12.5748% | 1,862 |
| Retained earnings to average equity (ytd only) | 11.6798% | 978 |
| Net charge-offs to loans | 0.2270% | 385 |
| Credit loss provision to net charge-offs | 46.9484% | 1,618 |
| Earnings coverage of net charge-offs (x) | 9.3474% | 1,838 |
| Efficiency ratio | 64.6735% | 2,336 |
| Assets per employee ($millions) | 4.1809% | 4,343 |
| Cash dividends to net income (ytd only)* | 7.1174% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 3,215 |
| Loan loss allowance to noncurrent loans | 113.4595% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 1,132 |
| Noncurrent loans to loans | 1.0100% | 1,215 |
| Net loans and leases to total assets | 69.5740% | 1,249 |
| Net loans and leases to deposits | 80.0028% | 1,424 |
| Net loans and leases to core deposits | 84.8193% | 1,505 |
| Total domestic deposits to total assets | 86.9645% | 2,342 |
| Equity capital to assets | 8.5676% | 4,151 |
| Core capital (leverage) ratio | 9.0540% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5181% | 2,540 |
| Memoranda: | ||
| Average total assets | $261,755,000 | 2,667 |
| Average earning assets | $240,847,000 | 2,687 |
| Average equity | $22,346,333 | 3,061 |
| Average total loans | $187,645,333 | 2,368 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 2,071 |
| Cost of funding earning assets | 0.4653% | 1,621 |
| Net interest margin | 3.3461% | 2,262 |
| Noninterest income to average assets | 1.1374% | 938 |
| Noninterest expense to average assets | 2.6719% | 1,685 |
| Loan and lease loss provision to assets | 0.1159% | 1,183 |
| Net operating income to assets | 1.1129% | 2,430 |
| Return on assets (ROA) | 1.0616% | 2,680 |
| Pretax return on assets | 1.3630% | 2,387 |
| Return on Equity (ROE) | 12.4586% | 1,849 |
| Retained earnings to average equity (ytd only) | 12.4586% | 1,039 |
| Net charge-offs to loans | 0.2776% | 308 |
| Credit loss provision to net charge-offs | 57.6923% | 1,286 |
| Earnings coverage of net charge-offs (x) | 7.6846% | 1,603 |
| Efficiency ratio | 63.3798% | 2,551 |
| Assets per employee ($millions) | 4.2459% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 3,050 |
| Loan loss allowance to noncurrent loans | 85.1596% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 809 |
| Noncurrent loans to loans | 1.3825% | 916 |
| Net loans and leases to total assets | 69.5050% | 1,358 |
| Net loans and leases to deposits | 79.5224% | 1,567 |
| Net loans and leases to core deposits | 84.1351% | 1,668 |
| Total domestic deposits to total assets | 87.4030% | 2,137 |
| Equity capital to assets | 8.2802% | 4,295 |
| Core capital (leverage) ratio | 9.1639% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5593% | 2,804 |
| Memoranda: | ||
| Average total assets | $258,844,000 | 2,680 |
| Average earning assets | $238,129,000 | 2,692 |
| Average equity | $22,057,000 | 3,073 |
| Average total loans | $187,307,000 | 2,379 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 1,508 |
| Cost of funding earning assets | 0.7767% | 1,312 |
| Net interest margin | 3.6482% | 1,986 |
| Noninterest income to average assets | 1.1605% | 808 |
| Noninterest expense to average assets | 3.1663% | 1,117 |
| Loan and lease loss provision to assets | 0.1308% | 2,724 |
| Net operating income to assets | 0.9430% | 2,511 |
| Return on assets (ROA) | 0.9960% | 2,448 |
| Pretax return on assets | 1.2826% | 2,039 |
| Return on Equity (ROE) | 12.0762% | 1,301 |
| Retained earnings to average equity (ytd only) | 8.2303% | 985 |
| Net charge-offs to loans | 0.0253% | 2,532 |
| Credit loss provision to net charge-offs | 673.4694% | 1,020 |
| Earnings coverage of net charge-offs (x) | 69.3061% | 981 |
| Efficiency ratio | 70.1634% | 1,929 |
| Assets per employee ($millions) | 3.7659% | 4,526 |
| Cash dividends to net income (ytd only)* | 31.8471% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 3,057 |
| Loan loss allowance to noncurrent loans | 78.1680% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.1781% | 747 |
| Noncurrent loans to loans | 1.5096% | 879 |
| Net loans and leases to total assets | 74.2323% | 993 |
| Net loans and leases to deposits | 85.5713% | 1,286 |
| Net loans and leases to core deposits | 90.9710% | 1,457 |
| Total domestic deposits to total assets | 86.7491% | 2,058 |
| Equity capital to assets | 8.5774% | 4,391 |
| Core capital (leverage) ratio | 9.1173% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5231% | 2,799 |
| Memoranda: | ||
| Average total assets | $252,217,600 | 2,566 |
| Average earning assets | $231,757,800 | 2,591 |
| Average equity | $20,801,200 | 3,113 |
| Average total loans | $193,642,200 | 2,302 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,383 |
| Cost of funding earning assets | 0.8424% | 1,294 |
| Net interest margin | 3.7312% | 1,835 |
| Noninterest income to average assets | 1.1499% | 794 |
| Noninterest expense to average assets | 3.0386% | 1,356 |
| Loan and lease loss provision to assets | 0.1644% | 2,358 |
| Net operating income to assets | 1.0536% | 2,130 |
| Return on assets (ROA) | 1.1144% | 2,056 |
| Pretax return on assets | 1.4482% | 1,581 |
| Return on Equity (ROE) | 13.6514% | 948 |
| Retained earnings to average equity (ytd only) | 13.0013% | 331 |
| Net charge-offs to loans | 0.0282% | 2,270 |
| Credit loss provision to net charge-offs | 756.0976% | 1,020 |
| Earnings coverage of net charge-offs (x) | 70.5854% | 984 |
| Efficiency ratio | 66.4269% | 2,414 |
| Assets per employee ($millions) | 3.8242% | 4,458 |
| Cash dividends to net income (ytd only)* | 4.7619% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 3,030 |
| Loan loss allowance to noncurrent loans | 74.8757% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.2805% | 752 |
| Noncurrent loans to loans | 1.5107% | 945 |
| Net loans and leases to total assets | 77.0634% | 956 |
| Net loans and leases to deposits | 90.8934% | 1,170 |
| Net loans and leases to core deposits | 99.2875% | 1,215 |
| Total domestic deposits to total assets | 84.7844% | 2,518 |
| Equity capital to assets | 8.5714% | 4,426 |
| Core capital (leverage) ratio | 9.0688% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1549% | 2,884 |
| Memoranda: | ||
| Average total assets | $251,252,000 | 2,554 |
| Average earning assets | $230,592,000 | 2,575 |
| Average equity | $20,510,250 | 3,136 |
| Average total loans | $193,961,750 | 2,290 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5934% | 1,655 |
| Cost of funding earning assets | 0.9077% | 1,339 |
| Net interest margin | 3.6857% | 2,221 |
| Noninterest income to average assets | 0.9824% | 1,018 |
| Noninterest expense to average assets | 3.0185% | 1,528 |
| Loan and lease loss provision to assets | 0.1522% | 2,483 |
| Net operating income to assets | 0.9259% | 2,605 |
| Return on assets (ROA) | 1.0120% | 2,403 |
| Pretax return on assets | 1.3077% | 2,002 |
| Return on Equity (ROE) | 12.6134% | 1,191 |
| Retained earnings to average equity (ytd only) | 11.6147% | 512 |
| Net charge-offs to loans | 0.0458% | 1,833 |
| Credit loss provision to net charge-offs | 431.8182% | 1,339 |
| Earnings coverage of net charge-offs (x) | 38.3182% | 1,278 |
| Efficiency ratio | 69.0812% | 2,078 |
| Assets per employee ($millions) | 3.9467% | 4,359 |
| Cash dividends to net income (ytd only)* | 7.9177% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 3,263 |
| Loan loss allowance to noncurrent loans | 52.0595% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.6515% | 522 |
| Noncurrent loans to loans | 2.0441% | 650 |
| Net loans and leases to total assets | 75.1017% | 1,262 |
| Net loans and leases to deposits | 87.6657% | 1,593 |
| Net loans and leases to core deposits | 98.8876% | 1,340 |
| Total domestic deposits to total assets | 85.6683% | 2,132 |
| Equity capital to assets | 7.9587% | 4,739 |
| Core capital (leverage) ratio | 8.7685% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5852% | 3,070 |
| Memoranda: | ||
| Average total assets | $249,594,667 | 2,542 |
| Average earning assets | $229,372,333 | 2,557 |
| Average equity | $20,026,333 | 3,170 |
| Average total loans | $192,044,333 | 2,283 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 1,700 |
| Cost of funding earning assets | 1.0377% | 1,269 |
| Net interest margin | 3.6660% | 2,448 |
| Noninterest income to average assets | 0.6475% | 1,840 |
| Noninterest expense to average assets | 3.1283% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6987% | 3,275 |
| Return on assets (ROA) | 0.6987% | 3,347 |
| Pretax return on assets | 0.8803% | 3,190 |
| Return on Equity (ROE) | 8.6694% | 2,250 |
| Retained earnings to average equity (ytd only) | 8.6694% | 1,063 |
| Net charge-offs to loans | 0.0021% | 2,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 533.0000% | 114 |
| Efficiency ratio | 78.0387% | 1,326 |
| Assets per employee ($millions) | 3.8990% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,422 |
| Loan loss allowance to noncurrent loans | 65.4492% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.3841% | 819 |
| Noncurrent loans to loans | 1.6119% | 962 |
| Net loans and leases to total assets | 75.9415% | 1,314 |
| Net loans and leases to deposits | 88.9163% | 1,653 |
| Net loans and leases to core deposits | 103.8838% | 1,195 |
| Total domestic deposits to total assets | 85.4079% | 2,245 |
| Equity capital to assets | 7.8888% | 4,992 |
| Core capital (leverage) ratio | 8.8002% | 4,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1978% | 3,041 |
| Memoranda: | ||
| Average total assets | $242,178,000 | 2,536 |
| Average earning assets | $222,039,000 | 2,556 |
| Average equity | $19,517,000 | 3,213 |
| Average total loans | $187,703,500 | 2,279 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8287% | 1,956 |
| Cost of funding earning assets | 1.0496% | 1,514 |
| Net interest margin | 3.7791% | 2,574 |
| Noninterest income to average assets | 0.8003% | 1,455 |
| Noninterest expense to average assets | 3.0925% | 1,782 |
| Loan and lease loss provision to assets | 0.1573% | 1,341 |
| Net operating income to assets | 0.8188% | 3,494 |
| Return on assets (ROA) | 0.8226% | 3,569 |
| Pretax return on assets | 1.0456% | 3,343 |
| Return on Equity (ROE) | 9.6072% | 2,474 |
| Retained earnings to average equity (ytd only) | 5.5147% | 2,155 |
| Net charge-offs to loans | 0.1157% | 1,581 |
| Credit loss provision to net charge-offs | 169.3396% | 1,533 |
| Earnings coverage of net charge-offs (x) | 12.9009% | 2,388 |
| Efficiency ratio | 72.0776% | 1,854 |
| Assets per employee ($millions) | 3.7892% | 4,157 |
| Cash dividends to net income (ytd only)* | 42.5985% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 3,142 |
| Loan loss allowance to noncurrent loans | 79.1567% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.2211% | 954 |
| Noncurrent loans to loans | 1.3453% | 1,108 |
| Net loans and leases to total assets | 77.4499% | 1,172 |
| Net loans and leases to deposits | 91.3437% | 1,450 |
| Net loans and leases to core deposits | 108.2236% | 963 |
| Total domestic deposits to total assets | 84.7895% | 2,577 |
| Equity capital to assets | 8.2340% | 5,001 |
| Core capital (leverage) ratio | 8.9531% | 4,562 |
| Tier 1 risk-based capital ratio | 11.3946% | 4,686 |
| Total risk-based capital ratio | 12.5099% | 4,642 |
| Memoranda: | ||
| Average total assets | $228,295,600 | 2,594 |
| Average earning assets | $210,842,800 | 2,597 |
| Average equity | $19,547,800 | 3,173 |
| Average total loans | $183,283,800 | 2,286 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 2,005 |
| Cost of funding earning assets | 1.0432% | 1,567 |
| Net interest margin | 3.7948% | 2,618 |
| Noninterest income to average assets | 0.7219% | 1,692 |
| Noninterest expense to average assets | 3.0082% | 1,958 |
| Loan and lease loss provision to assets | 0.1619% | 1,152 |
| Net operating income to assets | 0.8361% | 3,559 |
| Return on assets (ROA) | 0.8389% | 3,633 |
| Pretax return on assets | 1.0669% | 3,392 |
| Return on Equity (ROE) | 9.6989% | 2,571 |
| Retained earnings to average equity (ytd only) | 9.0158% | 1,037 |
| Net charge-offs to loans | 0.0775% | 1,717 |
| Credit loss provision to net charge-offs | 258.4906% | 1,061 |
| Earnings coverage of net charge-offs (x) | 19.5660% | 1,994 |
| Efficiency ratio | 71.0578% | 1,962 |
| Assets per employee ($millions) | 3.5877% | 4,408 |
| Cash dividends to net income (ytd only)* | 7.0422% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,195 |
| Loan loss allowance to noncurrent loans | 88.6344% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.1509% | 1,127 |
| Noncurrent loans to loans | 1.2028% | 1,303 |
| Net loans and leases to total assets | 80.0646% | 836 |
| Net loans and leases to deposits | 94.9020% | 1,133 |
| Net loans and leases to core deposits | 112.5964% | 812 |
| Total domestic deposits to total assets | 84.3656% | 2,690 |
| Equity capital to assets | 8.8022% | 4,878 |
| Core capital (leverage) ratio | 9.2840% | 4,387 |
| Tier 1 risk-based capital ratio | 11.6129% | 4,614 |
| Total risk-based capital ratio | 12.7589% | 4,561 |
| Memoranda: | ||
| Average total assets | $225,690,250 | 2,635 |
| Average earning assets | $208,841,250 | 2,639 |
| Average equity | $19,520,750 | 3,199 |
| Average total loans | $182,385,750 | 2,318 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7790% | 2,130 |
| Cost of funding earning assets | 1.0253% | 1,583 |
| Net interest margin | 3.7537% | 2,742 |
| Noninterest income to average assets | 0.7008% | 1,711 |
| Noninterest expense to average assets | 2.9787% | 2,058 |
| Loan and lease loss provision to assets | 0.1604% | 1,131 |
| Net operating income to assets | 0.8236% | 3,570 |
| Return on assets (ROA) | 0.8271% | 3,614 |
| Pretax return on assets | 1.0502% | 3,388 |
| Return on Equity (ROE) | 9.6219% | 2,575 |
| Retained earnings to average equity (ytd only) | 8.5795% | 1,172 |
| Net charge-offs to loans | 0.0987% | 1,383 |
| Credit loss provision to net charge-offs | 201.1236% | 1,193 |
| Earnings coverage of net charge-offs (x) | 15.1236% | 2,002 |
| Efficiency ratio | 71.1777% | 2,042 |
| Assets per employee ($millions) | 3.6389% | 4,325 |
| Cash dividends to net income (ytd only)* | 10.8342% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 3,357 |
| Loan loss allowance to noncurrent loans | 100.8863% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.0656% | 1,283 |
| Noncurrent loans to loans | 1.0371% | 1,578 |
| Net loans and leases to total assets | 79.8283% | 904 |
| Net loans and leases to deposits | 94.5704% | 1,200 |
| Net loans and leases to core deposits | 113.3429% | 800 |
| Total domestic deposits to total assets | 84.4115% | 2,721 |
| Equity capital to assets | 8.6848% | 4,966 |
| Core capital (leverage) ratio | 9.2514% | 4,407 |
| Tier 1 risk-based capital ratio | 11.5228% | 4,671 |
| Total risk-based capital ratio | 12.6391% | 4,636 |
| Memoranda: | ||
| Average total assets | $223,186,000 | 2,664 |
| Average earning assets | $207,154,670 | 2,667 |
| Average equity | $19,185,330 | 3,234 |
| Average total loans | $180,272,670 | 2,341 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 2,096 |
| Cost of funding earning assets | 0.9712% | 1,692 |
| Net interest margin | 3.7636% | 2,659 |
| Noninterest income to average assets | 0.6977% | 1,623 |
| Noninterest expense to average assets | 3.0397% | 1,877 |
| Loan and lease loss provision to assets | 0.1908% | 851 |
| Net operating income to assets | 0.7667% | 3,722 |
| Return on assets (ROA) | 0.7667% | 3,768 |
| Pretax return on assets | 0.9666% | 3,561 |
| Return on Equity (ROE) | 8.9678% | 2,824 |
| Retained earnings to average equity (ytd only) | 8.9678% | 1,334 |
| Net charge-offs to loans | 0.0584% | 1,457 |
| Credit loss provision to net charge-offs | 403.8462% | 689 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,450 |
| Efficiency ratio | 72.4242% | 1,971 |
| Assets per employee ($millions) | 3.7317% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,232 |
| Loan loss allowance to noncurrent loans | 91.3105% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.0460% | 1,325 |
| Noncurrent loans to loans | 1.1833% | 1,402 |
| Net loans and leases to total assets | 78.6316% | 1,052 |
| Net loans and leases to deposits | 92.1234% | 1,388 |
| Net loans and leases to core deposits | 106.4973% | 1,139 |
| Total domestic deposits to total assets | 85.3547% | 2,541 |
| Equity capital to assets | 8.5676% | 4,946 |
| Core capital (leverage) ratio | 9.3419% | 4,329 |
| Tier 1 risk-based capital ratio | 11.5967% | 4,691 |
| Total risk-based capital ratio | 12.7241% | 4,653 |
| Memoranda: | ||
| Average total assets | $220,153,000 | 2,722 |
| Average earning assets | $204,697,500 | 2,718 |
| Average equity | $18,823,000 | 3,275 |
| Average total loans | $177,937,500 | 2,389 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5669% | 2,242 |
| Cost of funding earning assets | 0.7443% | 1,827 |
| Net interest margin | 3.8227% | 2,582 |
| Noninterest income to average assets | 0.7496% | 1,643 |
| Noninterest expense to average assets | 2.8840% | 2,410 |
| Loan and lease loss provision to assets | 0.4436% | 290 |
| Net operating income to assets | 0.7702% | 3,913 |
| Return on assets (ROA) | 0.7619% | 3,936 |
| Pretax return on assets | 0.9632% | 3,722 |
| Return on Equity (ROE) | 9.1693% | 2,906 |
| Retained earnings to average equity (ytd only) | 4.7663% | 2,909 |
| Net charge-offs to loans | 0.5672% | 304 |
| Credit loss provision to net charge-offs | 97.3896% | 2,601 |
| Earnings coverage of net charge-offs (x) | 3.1114% | 3,448 |
| Efficiency ratio | 67.0494% | 2,703 |
| Assets per employee ($millions) | 3.7311% | 4,280 |
| Cash dividends to net income (ytd only)* | 48.0192% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 3,463 |
| Loan loss allowance to noncurrent loans | 87.1044% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.0790% | 1,246 |
| Noncurrent loans to loans | 1.1900% | 1,348 |
| Net loans and leases to total assets | 81.3526% | 760 |
| Net loans and leases to deposits | 94.8520% | 1,187 |
| Net loans and leases to core deposits | 107.1222% | 1,184 |
| Total domestic deposits to total assets | 85.7679% | 2,339 |
| Equity capital to assets | 8.5317% | 4,910 |
| Core capital (leverage) ratio | 9.1672% | 4,490 |
| Tier 1 risk-based capital ratio | 11.5619% | 4,689 |
| Total risk-based capital ratio | 12.6487% | 4,679 |
| Memoranda: | ||
| Average total assets | $218,655,000 | 2,698 |
| Average earning assets | $203,156,800 | 2,698 |
| Average equity | $18,169,400 | 3,279 |
| Average total loans | $175,586,800 | 2,370 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4987% | 2,309 |
| Cost of funding earning assets | 0.6799% | 1,974 |
| Net interest margin | 3.8188% | 2,575 |
| Noninterest income to average assets | 0.7299% | 1,752 |
| Noninterest expense to average assets | 2.8105% | 2,601 |
| Loan and lease loss provision to assets | 0.4957% | 228 |
| Net operating income to assets | 0.7689% | 4,015 |
| Return on assets (ROA) | 0.7694% | 4,025 |
| Pretax return on assets | 0.9737% | 3,807 |
| Return on Equity (ROE) | 9.3204% | 2,948 |
| Retained earnings to average equity (ytd only) | 8.5836% | 1,381 |
| Net charge-offs to loans | 0.5942% | 248 |
| Credit loss provision to net charge-offs | 104.4872% | 2,192 |
| Earnings coverage of net charge-offs (x) | 3.0962% | 3,191 |
| Efficiency ratio | 65.6765% | 2,926 |
| Assets per employee ($millions) | 3.7212% | 4,279 |
| Cash dividends to net income (ytd only)* | 7.9052% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,397 |
| Loan loss allowance to noncurrent loans | 66.7368% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.4315% | 924 |
| Noncurrent loans to loans | 1.5924% | 997 |
| Net loans and leases to total assets | 79.3922% | 1,110 |
| Net loans and leases to deposits | 90.8890% | 1,774 |
| Net loans and leases to core deposits | 102.2697% | 1,586 |
| Total domestic deposits to total assets | 87.3507% | 1,573 |
| Equity capital to assets | 8.2420% | 5,061 |
| Core capital (leverage) ratio | 8.9689% | 4,732 |
| Tier 1 risk-based capital ratio | 11.4638% | 4,811 |
| Total risk-based capital ratio | 12.5648% | 4,786 |
| Memoranda: | ||
| Average total assets | $219,217,500 | 2,717 |
| Average earning assets | $203,757,500 | 2,712 |
| Average equity | $18,096,000 | 3,304 |
| Average total loans | $175,009,750 | 2,388 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4215% | 2,349 |
| Cost of funding earning assets | 0.6518% | 1,920 |
| Net interest margin | 3.7697% | 2,672 |
| Noninterest income to average assets | 0.7546% | 1,626 |
| Noninterest expense to average assets | 2.8173% | 2,613 |
| Loan and lease loss provision to assets | 0.1928% | 895 |
| Net operating income to assets | 0.9733% | 3,131 |
| Return on assets (ROA) | 0.9740% | 3,129 |
| Pretax return on assets | 1.2494% | 2,727 |
| Return on Equity (ROE) | 11.7928% | 1,805 |
| Retained earnings to average equity (ytd only) | 10.6813% | 741 |
| Net charge-offs to loans | 0.0691% | 1,650 |
| Credit loss provision to net charge-offs | 350.0000% | 903 |
| Earnings coverage of net charge-offs (x) | 26.1667% | 1,609 |
| Efficiency ratio | 66.1565% | 2,946 |
| Assets per employee ($millions) | 3.7262% | 4,321 |
| Cash dividends to net income (ytd only)* | 9.4251% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 3,122 |
| Loan loss allowance to noncurrent loans | 62.1996% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.5072% | 880 |
| Noncurrent loans to loans | 1.8083% | 860 |
| Net loans and leases to total assets | 76.8242% | 1,508 |
| Net loans and leases to deposits | 87.4572% | 2,167 |
| Net loans and leases to core deposits | 97.2984% | 1,938 |
| Total domestic deposits to total assets | 87.8420% | 1,454 |
| Equity capital to assets | 7.9342% | 5,246 |
| Core capital (leverage) ratio | 9.1448% | 4,524 |
| Tier 1 risk-based capital ratio | 10.9065% | 5,107 |
| Total risk-based capital ratio | 12.0300% | 5,052 |
| Memoranda: | ||
| Average total assets | $217,866,670 | 2,746 |
| Average earning assets | $202,510,000 | 2,731 |
| Average equity | $17,994,000 | 3,330 |
| Average total loans | $173,625,330 | 2,412 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4504% | 2,019 |
| Cost of funding earning assets | 0.6521% | 1,710 |
| Net interest margin | 3.7983% | 2,431 |
| Noninterest income to average assets | 0.8557% | 1,279 |
| Noninterest expense to average assets | 2.9950% | 2,077 |
| Loan and lease loss provision to assets | 0.1988% | 840 |
| Net operating income to assets | 0.9314% | 3,152 |
| Return on assets (ROA) | 0.9314% | 3,173 |
| Pretax return on assets | 1.1908% | 2,795 |
| Return on Equity (ROE) | 11.0401% | 1,954 |
| Retained earnings to average equity (ytd only) | 11.0401% | 888 |
| Net charge-offs to loans | 0.0211% | 2,077 |
| Credit loss provision to net charge-offs | 1,166.6667% | 304 |
| Earnings coverage of net charge-offs (x) | 81.5556% | 696 |
| Efficiency ratio | 68.3074% | 2,783 |
| Assets per employee ($millions) | 3.8199% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 3,089 |
| Loan loss allowance to noncurrent loans | 81.8144% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.2453% | 1,203 |
| Noncurrent loans to loans | 1.4066% | 1,265 |
| Net loans and leases to total assets | 78.9413% | 1,092 |
| Net loans and leases to deposits | 90.6538% | 1,608 |
| Net loans and leases to core deposits | 104.4807% | 1,345 |
| Total domestic deposits to total assets | 87.0800% | 2,093 |
| Equity capital to assets | 8.3509% | 5,078 |
| Core capital (leverage) ratio | 9.2219% | 4,405 |
| Tier 1 risk-based capital ratio | 11.4583% | 4,879 |
| Total risk-based capital ratio | 12.6341% | 4,830 |
| Memoranda: | ||
| Average total assets | $211,287,500 | 2,830 |
| Average earning assets | $196,299,000 | 2,819 |
| Average equity | $17,826,000 | 3,380 |
| Average total loans | $170,687,000 | 2,465 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3671% | 2,125 |
| Cost of funding earning assets | 0.5287% | 2,105 |
| Net interest margin | 3.8385% | 2,289 |
| Noninterest income to average assets | 0.9211% | 1,211 |
| Noninterest expense to average assets | 2.8795% | 2,524 |
| Loan and lease loss provision to assets | 0.2185% | 903 |
| Net operating income to assets | 0.9011% | 2,702 |
| Return on assets (ROA) | 0.9017% | 2,731 |
| Pretax return on assets | 1.3983% | 1,995 |
| Return on Equity (ROE) | 10.6802% | 1,596 |
| Retained earnings to average equity (ytd only) | 6.0890% | 1,491 |
| Net charge-offs to loans | 0.2760% | 949 |
| Credit loss provision to net charge-offs | 98.2571% | 2,639 |
| Earnings coverage of net charge-offs (x) | 7.2658% | 3,064 |
| Efficiency ratio | 64.0548% | 3,595 |
| Assets per employee ($millions) | 3.8641% | 4,173 |
| Cash dividends to net income (ytd only)* | 42.9876% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,378 |
| Loan loss allowance to noncurrent loans | 57.0513% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.7263% | 734 |
| Noncurrent loans to loans | 1.9210% | 804 |
| Net loans and leases to total assets | 80.8357% | 854 |
| Net loans and leases to deposits | 90.9699% | 1,652 |
| Net loans and leases to core deposits | 104.5710% | 1,369 |
| Total domestic deposits to total assets | 88.8598% | 1,063 |
| Equity capital to assets | 8.5249% | 5,106 |
| Core capital (leverage) ratio | 9.0643% | 4,567 |
| Tier 1 risk-based capital ratio | 11.3754% | 4,936 |
| Total risk-based capital ratio | 12.5305% | 4,869 |
| Memoranda: | ||
| Average total assets | $206,392,600 | 2,856 |
| Average earning assets | $192,185,000 | 2,842 |
| Average equity | $17,424,800 | 3,444 |
| Average total loans | $166,324,400 | 2,463 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 2,190 |
| Cost of funding earning assets | 0.5155% | 2,146 |
| Net interest margin | 3.8114% | 2,356 |
| Noninterest income to average assets | 0.8745% | 1,357 |
| Noninterest expense to average assets | 2.8904% | 2,444 |
| Loan and lease loss provision to assets | 0.2338% | 774 |
| Net operating income to assets | 0.8656% | 3,198 |
| Return on assets (ROA) | 0.8635% | 3,259 |
| Pretax return on assets | 1.3007% | 2,488 |
| Return on Equity (ROE) | 10.2532% | 2,013 |
| Retained earnings to average equity (ytd only) | 9.4840% | 713 |
| Net charge-offs to loans | 0.2227% | 973 |
| Credit loss provision to net charge-offs | 130.7971% | 1,882 |
| Earnings coverage of net charge-offs (x) | 8.6015% | 2,764 |
| Efficiency ratio | 65.2721% | 3,329 |
| Assets per employee ($millions) | 3.5326% | 4,682 |
| Cash dividends to net income (ytd only)* | 7.5019% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 3,074 |
| Loan loss allowance to noncurrent loans | 64.0548% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.6485% | 881 |
| Noncurrent loans to loans | 1.8296% | 971 |
| Net loans and leases to total assets | 79.3821% | 1,071 |
| Net loans and leases to deposits | 87.6981% | 2,103 |
| Net loans and leases to core deposits | 100.5274% | 1,661 |
| Total domestic deposits to total assets | 90.5175% | 321 |
| Equity capital to assets | 8.6846% | 5,159 |
| Core capital (leverage) ratio | 9.1440% | 4,580 |
| Tier 1 risk-based capital ratio | 11.5371% | 4,939 |
| Total risk-based capital ratio | 12.7438% | 4,858 |
| Memoranda: | ||
| Average total assets | $205,826,000 | 2,886 |
| Average earning assets | $191,909,500 | 2,875 |
| Average equity | $17,334,000 | 3,488 |
| Average total loans | $165,270,500 | 2,488 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 2,191 |
| Cost of funding earning assets | 0.4965% | 2,189 |
| Net interest margin | 3.7850% | 2,346 |
| Noninterest income to average assets | 0.8489% | 1,418 |
| Noninterest expense to average assets | 2.8747% | 2,502 |
| Loan and lease loss provision to assets | 0.2518% | 663 |
| Net operating income to assets | 0.8327% | 3,235 |
| Return on assets (ROA) | 0.8333% | 3,285 |
| Pretax return on assets | 1.2568% | 2,545 |
| Return on Equity (ROE) | 10.0010% | 2,035 |
| Retained earnings to average equity (ytd only) | 8.8299% | 890 |
| Net charge-offs to loans | 0.2540% | 806 |
| Credit loss provision to net charge-offs | 123.4450% | 1,753 |
| Earnings coverage of net charge-offs (x) | 7.3923% | 2,607 |
| Efficiency ratio | 65.5979% | 3,415 |
| Assets per employee ($millions) | 3.5223% | 4,686 |
| Cash dividends to net income (ytd only)* | 11.7096% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 3,216 |
| Loan loss allowance to noncurrent loans | 72.7341% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.5302% | 980 |
| Noncurrent loans to loans | 1.6013% | 1,157 |
| Net loans and leases to total assets | 80.0035% | 956 |
| Net loans and leases to deposits | 90.7657% | 1,634 |
| Net loans and leases to core deposits | 101.2119% | 1,570 |
| Total domestic deposits to total assets | 88.1429% | 1,387 |
| Equity capital to assets | 8.6289% | 5,203 |
| Core capital (leverage) ratio | 8.9248% | 4,810 |
| Tier 1 risk-based capital ratio | 11.4686% | 4,975 |
| Total risk-based capital ratio | 12.6718% | 4,907 |
| Memoranda: | ||
| Average total assets | $204,959,330 | 2,905 |
| Average earning assets | $191,335,670 | 2,894 |
| Average equity | $17,078,330 | 3,525 |
| Average total loans | $164,555,670 | 2,502 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2031% | 2,270 |
| Cost of funding earning assets | 0.4767% | 2,286 |
| Net interest margin | 3.7263% | 2,393 |
| Noninterest income to average assets | 0.7716% | 1,660 |
| Noninterest expense to average assets | 3.0006% | 2,163 |
| Loan and lease loss provision to assets | 0.2513% | 593 |
| Net operating income to assets | 0.6826% | 3,776 |
| Return on assets (ROA) | 0.6839% | 3,806 |
| Pretax return on assets | 1.0093% | 3,324 |
| Return on Equity (ROE) | 8.3554% | 2,741 |
| Retained earnings to average equity (ytd only) | 8.3554% | 1,321 |
| Net charge-offs to loans | 0.2778% | 653 |
| Credit loss provision to net charge-offs | 113.1579% | 1,458 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,269 |
| Efficiency ratio | 70.4483% | 2,828 |
| Assets per employee ($millions) | 3.5687% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 3,400 |
| Loan loss allowance to noncurrent loans | 62.5745% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.6922% | 885 |
| Noncurrent loans to loans | 1.8419% | 1,006 |
| Net loans and leases to total assets | 77.0248% | 1,262 |
| Net loans and leases to deposits | 91.1773% | 1,410 |
| Net loans and leases to core deposits | 98.8643% | 1,593 |
| Total domestic deposits to total assets | 84.4780% | 3,297 |
| Equity capital to assets | 8.0802% | 5,483 |
| Core capital (leverage) ratio | 8.9510% | 4,797 |
| Tier 1 risk-based capital ratio | 11.0726% | 5,271 |
| Total risk-based capital ratio | 12.2422% | 5,225 |
| Memoranda: | ||
| Average total assets | $205,293,500 | 2,934 |
| Average earning assets | $192,145,500 | 2,907 |
| Average equity | $16,803,500 | 3,570 |
| Average total loans | $164,150,500 | 2,524 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2951% | 2,159 |
| Cost of funding earning assets | 0.4618% | 2,430 |
| Net interest margin | 3.8332% | 2,195 |
| Noninterest income to average assets | 0.7896% | 1,786 |
| Noninterest expense to average assets | 3.0465% | 2,193 |
| Loan and lease loss provision to assets | 0.2536% | 822 |
| Net operating income to assets | 0.7256% | 3,664 |
| Return on assets (ROA) | 0.7262% | 3,770 |
| Pretax return on assets | 1.0686% | 3,222 |
| Return on Equity (ROE) | 8.6194% | 2,605 |
| Retained earnings to average equity (ytd only) | 4.6468% | 2,588 |
| Net charge-offs to loans | 0.2281% | 1,220 |
| Credit loss provision to net charge-offs | 139.6648% | 1,955 |
| Earnings coverage of net charge-offs (x) | 7.2765% | 3,041 |
| Efficiency ratio | 69.7515% | 2,946 |
| Assets per employee ($millions) | 3.4489% | 4,830 |
| Cash dividends to net income (ytd only)* | 46.0894% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 3,473 |
| Loan loss allowance to noncurrent loans | 78.8987% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.6862% | 916 |
| Noncurrent loans to loans | 1.4486% | 1,401 |
| Net loans and leases to total assets | 81.1637% | 719 |
| Net loans and leases to deposits | 96.2452% | 972 |
| Net loans and leases to core deposits | 104.7526% | 1,227 |
| Total domestic deposits to total assets | 84.3302% | 3,300 |
| Equity capital to assets | 8.2956% | 5,423 |
| Core capital (leverage) ratio | 8.9890% | 4,757 |
| Tier 1 risk-based capital ratio | 11.2503% | 5,190 |
| Total risk-based capital ratio | 12.4608% | 5,109 |
| Memoranda: | ||
| Average total assets | $197,179,000 | 2,985 |
| Average earning assets | $184,048,200 | 2,971 |
| Average equity | $16,613,600 | 3,606 |
| Average total loans | $156,940,600 | 2,557 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2636% | 2,285 |
| Cost of funding earning assets | 0.4665% | 2,403 |
| Net interest margin | 3.7970% | 2,344 |
| Noninterest income to average assets | 0.8008% | 1,760 |
| Noninterest expense to average assets | 2.9915% | 2,343 |
| Loan and lease loss provision to assets | 0.2443% | 783 |
| Net operating income to assets | 0.7517% | 3,600 |
| Return on assets (ROA) | 0.7526% | 3,723 |
| Pretax return on assets | 1.1123% | 3,176 |
| Return on Equity (ROE) | 8.8975% | 2,554 |
| Retained earnings to average equity (ytd only) | 8.4161% | 1,012 |
| Net charge-offs to loans | 0.1865% | 1,248 |
| Credit loss provision to net charge-offs | 165.8986% | 1,669 |
| Earnings coverage of net charge-offs (x) | 9.2026% | 2,695 |
| Efficiency ratio | 68.8212% | 3,075 |
| Assets per employee ($millions) | 3.3402% | 4,994 |
| Cash dividends to net income (ytd only)* | 5.4104% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 3,420 |
| Loan loss allowance to noncurrent loans | 72.9037% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.7106% | 992 |
| Noncurrent loans to loans | 1.6060% | 1,341 |
| Net loans and leases to total assets | 80.4390% | 825 |
| Net loans and leases to deposits | 92.3309% | 1,454 |
| Net loans and leases to core deposits | 100.5589% | 1,579 |
| Total domestic deposits to total assets | 87.1204% | 1,844 |
| Equity capital to assets | 8.7750% | 5,336 |
| Core capital (leverage) ratio | 9.2810% | 4,482 |
| Tier 1 risk-based capital ratio | 11.6155% | 5,026 |
| Total risk-based capital ratio | 12.8202% | 4,958 |
| Memoranda: | ||
| Average total assets | $196,465,250 | 3,004 |
| Average earning assets | $183,471,500 | 2,991 |
| Average equity | $16,618,500 | 3,636 |
| Average total loans | $155,117,750 | 2,580 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 2,378 |
| Cost of funding earning assets | 0.4727% | 2,341 |
| Net interest margin | 3.7639% | 2,459 |
| Noninterest income to average assets | 0.7775% | 1,819 |
| Noninterest expense to average assets | 2.9807% | 2,408 |
| Loan and lease loss provision to assets | 0.2446% | 805 |
| Net operating income to assets | 0.7238% | 3,680 |
| Return on assets (ROA) | 0.7245% | 3,833 |
| Pretax return on assets | 1.0669% | 3,335 |
| Return on Equity (ROE) | 8.6741% | 2,651 |
| Retained earnings to average equity (ytd only) | 7.9421% | 1,188 |
| Net charge-offs to loans | 0.2178% | 1,072 |
| Credit loss provision to net charge-offs | 143.7126% | 1,645 |
| Earnings coverage of net charge-offs (x) | 7.7006% | 2,602 |
| Efficiency ratio | 69.4609% | 3,062 |
| Assets per employee ($millions) | 3.4336% | 4,860 |
| Cash dividends to net income (ytd only)* | 8.4388% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 3,571 |
| Loan loss allowance to noncurrent loans | 70.9855% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.6179% | 1,136 |
| Noncurrent loans to loans | 1.6365% | 1,305 |
| Net loans and leases to total assets | 77.2452% | 1,298 |
| Net loans and leases to deposits | 94.2645% | 1,265 |
| Net loans and leases to core deposits | 106.2786% | 1,161 |
| Total domestic deposits to total assets | 81.9452% | 4,012 |
| Equity capital to assets | 8.5052% | 5,593 |
| Core capital (leverage) ratio | 8.9554% | 4,882 |
| Tier 1 risk-based capital ratio | 10.3842% | 5,729 |
| Total risk-based capital ratio | 11.4509% | 5,722 |
| Memoranda: | ||
| Average total assets | $196,263,330 | 3,026 |
| Average earning assets | $183,215,330 | 3,005 |
| Average equity | $16,393,670 | 3,681 |
| Average total loans | $153,357,000 | 2,609 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 2,211 |
| Cost of funding earning assets | 0.4836% | 2,240 |
| Net interest margin | 3.7937% | 2,310 |
| Noninterest income to average assets | 0.6180% | 2,427 |
| Noninterest expense to average assets | 2.9484% | 2,543 |
| Loan and lease loss provision to assets | 0.2464% | 722 |
| Net operating income to assets | 0.6577% | 3,940 |
| Return on assets (ROA) | 0.6591% | 4,057 |
| Pretax return on assets | 0.9691% | 3,582 |
| Return on Equity (ROE) | 7.9645% | 2,937 |
| Retained earnings to average equity (ytd only) | 7.9645% | 1,471 |
| Net charge-offs to loans | 0.2759% | 768 |
| Credit loss provision to net charge-offs | 114.2857% | 1,481 |
| Earnings coverage of net charge-offs (x) | 5.6286% | 2,315 |
| Efficiency ratio | 70.8436% | 2,979 |
| Assets per employee ($millions) | 3.3587% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 3,797 |
| Loan loss allowance to noncurrent loans | 83.8926% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.3768% | 1,524 |
| Noncurrent loans to loans | 1.3655% | 1,740 |
| Net loans and leases to total assets | 77.5210% | 1,161 |
| Net loans and leases to deposits | 98.0980% | 753 |
| Net loans and leases to core deposits | 104.2137% | 1,180 |
| Total domestic deposits to total assets | 79.0240% | 4,963 |
| Equity capital to assets | 8.4577% | 5,593 |
| Core capital (leverage) ratio | 9.0545% | 4,791 |
| Tier 1 risk-based capital ratio | 10.3146% | 5,821 |
| Total risk-based capital ratio | 11.3529% | 5,822 |
| Memoranda: | ||
| Average total assets | $194,820,500 | 3,046 |
| Average earning assets | $181,984,000 | 3,022 |
| Average equity | $16,121,500 | 3,712 |
| Average total loans | $152,215,000 | 2,615 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 2,267 |
| Cost of funding earning assets | 0.5043% | 2,120 |
| Net interest margin | 3.7797% | 2,448 |
| Noninterest income to average assets | 0.8103% | 1,746 |
| Noninterest expense to average assets | 3.0945% | 2,254 |
| Loan and lease loss provision to assets | 0.2308% | 862 |
| Net operating income to assets | 0.6868% | 3,877 |
| Return on assets (ROA) | 0.6929% | 3,955 |
| Pretax return on assets | 1.0123% | 3,411 |
| Return on Equity (ROE) | 8.3509% | 2,779 |
| Retained earnings to average equity (ytd only) | 3.8625% | 3,288 |
| Net charge-offs to loans | 0.3098% | 974 |
| Credit loss provision to net charge-offs | 95.0324% | 2,656 |
| Earnings coverage of net charge-offs (x) | 5.0821% | 3,440 |
| Efficiency ratio | 71.4892% | 2,985 |
| Assets per employee ($millions) | 3.7469% | 4,377 |
| Cash dividends to net income (ytd only)* | 53.7472% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 3,790 |
| Loan loss allowance to noncurrent loans | 67.7999% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.7291% | 1,109 |
| Noncurrent loans to loans | 1.6873% | 1,345 |
| Net loans and leases to total assets | 76.9520% | 1,260 |
| Net loans and leases to deposits | 98.0961% | 806 |
| Net loans and leases to core deposits | 103.3608% | 1,268 |
| Total domestic deposits to total assets | 78.4456% | 5,074 |
| Equity capital to assets | 8.0924% | 5,817 |
| Core capital (leverage) ratio | 8.7817% | 5,129 |
| Tier 1 risk-based capital ratio | 10.1054% | 5,924 |
| Total risk-based capital ratio | 11.1358% | 5,942 |
| Memoranda: | ||
| Average total assets | $190,661,600 | 3,041 |
| Average earning assets | $177,475,400 | 3,025 |
| Average equity | $15,818,600 | 3,708 |
| Average total loans | $149,427,400 | 2,603 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 2,349 |
| Cost of funding earning assets | 0.5108% | 2,113 |
| Net interest margin | 3.7541% | 2,544 |
| Noninterest income to average assets | 0.8578% | 1,591 |
| Noninterest expense to average assets | 3.0622% | 2,330 |
| Loan and lease loss provision to assets | 0.2531% | 674 |
| Net operating income to assets | 0.7058% | 3,875 |
| Return on assets (ROA) | 0.7144% | 3,947 |
| Pretax return on assets | 1.0484% | 3,422 |
| Return on Equity (ROE) | 8.5565% | 2,794 |
| Retained earnings to average equity (ytd only) | 8.0512% | 1,227 |
| Net charge-offs to loans | 0.3466% | 761 |
| Credit loss provision to net charge-offs | 93.0233% | 2,425 |
| Earnings coverage of net charge-offs (x) | 4.7364% | 3,304 |
| Efficiency ratio | 70.3782% | 3,154 |
| Assets per employee ($millions) | 3.3363% | 5,075 |
| Cash dividends to net income (ytd only)* | 5.9057% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 3,941 |
| Loan loss allowance to noncurrent loans | 57.0769% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.8878% | 1,107 |
| Noncurrent loans to loans | 2.0108% | 1,147 |
| Net loans and leases to total assets | 77.0040% | 1,250 |
| Net loans and leases to deposits | 94.8364% | 1,105 |
| Net loans and leases to core deposits | 102.4315% | 1,347 |
| Total domestic deposits to total assets | 81.1967% | 4,423 |
| Equity capital to assets | 8.3249% | 5,816 |
| Core capital (leverage) ratio | 9.1047% | 4,877 |
| Tier 1 risk-based capital ratio | 10.8286% | 5,745 |
| Total risk-based capital ratio | 11.9129% | 5,747 |
| Memoranda: | ||
| Average total assets | $189,617,750 | 3,083 |
| Average earning assets | $176,441,000 | 3,062 |
| Average equity | $15,831,500 | 3,739 |
| Average total loans | $148,867,750 | 2,620 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 2,258 |
| Cost of funding earning assets | 0.5168% | 2,098 |
| Net interest margin | 3.7594% | 2,478 |
| Noninterest income to average assets | 0.8892% | 1,474 |
| Noninterest expense to average assets | 3.0596% | 2,365 |
| Loan and lease loss provision to assets | 0.2550% | 672 |
| Net operating income to assets | 0.7219% | 3,781 |
| Return on assets (ROA) | 0.7320% | 3,837 |
| Pretax return on assets | 1.0826% | 3,246 |
| Return on Equity (ROE) | 8.6727% | 2,712 |
| Retained earnings to average equity (ytd only) | 7.9174% | 1,299 |
| Net charge-offs to loans | 0.2037% | 1,239 |
| Credit loss provision to net charge-offs | 158.9404% | 1,474 |
| Earnings coverage of net charge-offs (x) | 8.2450% | 2,584 |
| Efficiency ratio | 69.8182% | 3,356 |
| Assets per employee ($millions) | 3.2479% | 5,255 |
| Cash dividends to net income (ytd only)* | 8.7083% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 3,554 |
| Loan loss allowance to noncurrent loans | 50.2860% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 2.1088% | 1,021 |
| Noncurrent loans to loans | 2.4690% | 909 |
| Net loans and leases to total assets | 76.6276% | 1,285 |
| Net loans and leases to deposits | 94.4667% | 1,107 |
| Net loans and leases to core deposits | 103.1332% | 1,258 |
| Total domestic deposits to total assets | 81.1160% | 4,581 |
| Equity capital to assets | 8.4184% | 5,745 |
| Core capital (leverage) ratio | 8.9123% | 5,078 |
| Tier 1 risk-based capital ratio | 10.7937% | 5,806 |
| Total risk-based capital ratio | 11.9661% | 5,774 |
| Memoranda: | ||
| Average total assets | $188,257,330 | 3,123 |
| Average earning assets | $174,919,330 | 3,097 |
| Average equity | $15,889,000 | 3,743 |
| Average total loans | $148,245,330 | 2,645 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 2,084 |
| Cost of funding earning assets | 0.5243% | 2,062 |
| Net interest margin | 3.7809% | 2,294 |
| Noninterest income to average assets | 0.9176% | 1,331 |
| Noninterest expense to average assets | 3.1087% | 2,242 |
| Loan and lease loss provision to assets | 0.2573% | 631 |
| Net operating income to assets | 0.7182% | 3,710 |
| Return on assets (ROA) | 0.7182% | 3,838 |
| Pretax return on assets | 1.0613% | 3,259 |
| Return on Equity (ROE) | 8.4985% | 2,699 |
| Retained earnings to average equity (ytd only) | 8.4985% | 1,377 |
| Net charge-offs to loans | 0.3270% | 738 |
| Credit loss provision to net charge-offs | 99.1736% | 1,672 |
| Earnings coverage of net charge-offs (x) | 5.0826% | 2,418 |
| Efficiency ratio | 70.2179% | 3,448 |
| Assets per employee ($millions) | 2.9910% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 4,045 |
| Loan loss allowance to noncurrent loans | 54.7864% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 2.1155% | 1,088 |
| Noncurrent loans to loans | 2.1694% | 1,176 |
| Net loans and leases to total assets | 78.7672% | 829 |
| Net loans and leases to deposits | 92.5026% | 1,133 |
| Net loans and leases to core deposits | 100.8186% | 1,268 |
| Total domestic deposits to total assets | 85.1513% | 3,332 |
| Equity capital to assets | 8.6058% | 5,654 |
| Core capital (leverage) ratio | 8.9669% | 4,989 |
| Tier 1 risk-based capital ratio | 11.7009% | 5,436 |
| Total risk-based capital ratio | 12.9339% | 5,347 |
| Memoranda: | ||
| Average total assets | $186,572,000 | 3,159 |
| Average earning assets | $173,186,000 | 3,134 |
| Average equity | $15,767,500 | 3,790 |
| Average total loans | $148,025,000 | 2,651 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4443% | 2,090 |
| Cost of funding earning assets | 0.7197% | 1,009 |
| Net interest margin | 3.7247% | 2,903 |
| Noninterest income to average assets | 0.9491% | 1,347 |
| Noninterest expense to average assets | 3.1638% | 2,317 |
| Loan and lease loss provision to assets | 0.2567% | 874 |
| Net operating income to assets | 0.6531% | 4,121 |
| Return on assets (ROA) | 0.7416% | 3,772 |
| Pretax return on assets | 1.1116% | 3,040 |
| Return on Equity (ROE) | 9.0984% | 2,540 |
| Retained earnings to average equity (ytd only) | 4.7690% | 2,781 |
| Net charge-offs to loans | 0.3906% | 1,097 |
| Credit loss provision to net charge-offs | 84.3585% | 2,777 |
| Earnings coverage of net charge-offs (x) | 4.0633% | 3,746 |
| Efficiency ratio | 71.9042% | 3,224 |
| Assets per employee ($millions) | 3.1283% | 5,523 |
| Cash dividends to net income (ytd only)* | 47.5847% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 4,090 |
| Loan loss allowance to noncurrent loans | 39.6482% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 2.7001% | 822 |
| Noncurrent loans to loans | 2.9914% | 752 |
| Net loans and leases to total assets | 78.0320% | 994 |
| Net loans and leases to deposits | 90.8513% | 1,424 |
| Net loans and leases to core deposits | 102.4245% | 1,215 |
| Total domestic deposits to total assets | 85.8897% | 2,901 |
| Equity capital to assets | 8.2983% | 5,893 |
| Core capital (leverage) ratio | 8.6287% | 5,407 |
| Tier 1 risk-based capital ratio | 11.6784% | 5,560 |
| Total risk-based capital ratio | 12.9382% | 5,461 |
| Memoranda: | ||
| Average total assets | $187,022,400 | 3,133 |
| Average earning assets | $173,276,600 | 3,119 |
| Average equity | $15,244,400 | 3,789 |
| Average total loans | $145,656,600 | 2,630 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 2,245 |
| Cost of funding earning assets | 0.7655% | 819 |
| Net interest margin | 3.6286% | 3,317 |
| Noninterest income to average assets | 0.9176% | 1,458 |
| Noninterest expense to average assets | 3.1910% | 2,204 |
| Loan and lease loss provision to assets | 0.2569% | 832 |
| Net operating income to assets | 0.5737% | 4,576 |
| Return on assets (ROA) | 0.6943% | 4,057 |
| Pretax return on assets | 1.0033% | 3,580 |
| Return on Equity (ROE) | 8.5565% | 2,925 |
| Retained earnings to average equity (ytd only) | 8.0289% | 1,347 |
| Net charge-offs to loans | 0.5011% | 773 |
| Credit loss provision to net charge-offs | 66.0550% | 2,835 |
| Earnings coverage of net charge-offs (x) | 2.7908% | 3,823 |
| Efficiency ratio | 74.6204% | 2,714 |
| Assets per employee ($millions) | 3.3493% | 5,146 |
| Cash dividends to net income (ytd only)* | 6.1667% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 4,660 |
| Loan loss allowance to noncurrent loans | 45.7198% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 2.1974% | 1,258 |
| Noncurrent loans to loans | 2.4476% | 1,209 |
| Net loans and leases to total assets | 76.8790% | 1,111 |
| Net loans and leases to deposits | 90.6334% | 1,366 |
| Net loans and leases to core deposits | 102.2980% | 1,199 |
| Total domestic deposits to total assets | 84.8242% | 3,409 |
| Equity capital to assets | 8.2495% | 5,982 |
| Core capital (leverage) ratio | 8.8217% | 5,305 |
| Tier 1 risk-based capital ratio | 11.6803% | 5,679 |
| Total risk-based capital ratio | 12.8950% | 5,625 |
| Memoranda: | ||
| Average total assets | $186,853,000 | 3,169 |
| Average earning assets | $172,955,500 | 3,151 |
| Average equity | $15,161,500 | 3,826 |
| Average total loans | $145,014,750 | 2,650 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 2,184 |
| Cost of funding earning assets | 0.8353% | 595 |
| Net interest margin | 3.5623% | 3,519 |
| Noninterest income to average assets | 0.8442% | 1,686 |
| Noninterest expense to average assets | 3.3434% | 1,817 |
| Loan and lease loss provision to assets | 0.2588% | 825 |
| Net operating income to assets | 0.3985% | 5,226 |
| Return on assets (ROA) | 0.5876% | 4,513 |
| Pretax return on assets | 0.7989% | 4,268 |
| Return on Equity (ROE) | 7.2833% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.4815% | 2,047 |
| Net charge-offs to loans | 0.2891% | 1,382 |
| Credit loss provision to net charge-offs | 115.3846% | 1,755 |
| Earnings coverage of net charge-offs (x) | 3.5769% | 3,270 |
| Efficiency ratio | 80.6502% | 1,923 |
| Assets per employee ($millions) | 3.2252% | 5,383 |
| Cash dividends to net income (ytd only)* | 11.0092% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 3,867 |
| Loan loss allowance to noncurrent loans | 52.2974% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 2.2656% | 1,330 |
| Noncurrent loans to loans | 2.4789% | 1,255 |
| Net loans and leases to total assets | 76.4386% | 1,109 |
| Net loans and leases to deposits | 86.9443% | 1,717 |
| Net loans and leases to core deposits | 94.3366% | 1,746 |
| Total domestic deposits to total assets | 87.9167% | 1,951 |
| Equity capital to assets | 8.1904% | 6,036 |
| Core capital (leverage) ratio | 8.6887% | 5,417 |
| Tier 1 risk-based capital ratio | 11.5480% | 5,772 |
| Total risk-based capital ratio | 12.8569% | 5,693 |
| Memoranda: | ||
| Average total assets | $185,501,000 | 3,200 |
| Average earning assets | $171,911,330 | 3,173 |
| Average equity | $14,965,670 | 3,861 |
| Average total loans | $143,876,330 | 2,674 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 2,187 |
| Cost of funding earning assets | 0.9421% | 355 |
| Net interest margin | 3.4444% | 3,923 |
| Noninterest income to average assets | 0.7103% | 2,126 |
| Noninterest expense to average assets | 3.5253% | 1,441 |
| Loan and lease loss provision to assets | 0.2599% | 811 |
| Net operating income to assets | 0.1034% | 6,024 |
| Return on assets (ROA) | 0.5154% | 4,687 |
| Pretax return on assets | 0.6258% | 4,737 |
| Return on Equity (ROE) | 6.4377% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.4377% | 2,322 |
| Net charge-offs to loans | 0.2846% | 1,211 |
| Credit loss provision to net charge-offs | 117.6471% | 1,477 |
| Earnings coverage of net charge-offs (x) | 1.7353% | 3,027 |
| Efficiency ratio | 90.1939% | 1,018 |
| Assets per employee ($millions) | 2.8652% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 4,091 |
| Loan loss allowance to noncurrent loans | 46.0133% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 2.4141% | 1,337 |
| Noncurrent loans to loans | 2.8396% | 1,157 |
| Net loans and leases to total assets | 75.5991% | 1,051 |
| Net loans and leases to deposits | 87.6408% | 1,401 |
| Net loans and leases to core deposits | 94.9809% | 1,470 |
| Total domestic deposits to total assets | 86.2601% | 3,226 |
| Equity capital to assets | 7.9951% | 6,066 |
| Core capital (leverage) ratio | 8.6902% | 5,395 |
| Tier 1 risk-based capital ratio | 11.8167% | 5,749 |
| Total risk-based capital ratio | 13.1331% | 5,642 |
| Memoranda: | ||
| Average total assets | $184,721,500 | 3,235 |
| Average earning assets | $171,525,500 | 3,201 |
| Average equity | $14,788,000 | 3,899 |
| Average total loans | $143,382,500 | 2,690 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 2,377 |
| Cost of funding earning assets | 1.1165% | 262 |
| Net interest margin | 3.3376% | 4,526 |
| Noninterest income to average assets | 1.1358% | 1,089 |
| Noninterest expense to average assets | 3.2277% | 2,338 |
| Loan and lease loss provision to assets | 0.2653% | 1,335 |
| Net operating income to assets | 0.5578% | 4,467 |
| Return on assets (ROA) | 0.5544% | 4,611 |
| Pretax return on assets | 0.7246% | 4,442 |
| Return on Equity (ROE) | 6.8136% | 3,669 |
| Retained earnings to average equity (ytd only) | 2.6833% | 4,327 |
| Net charge-offs to loans | 0.2855% | 2,263 |
| Credit loss provision to net charge-offs | 122.4490% | 1,937 |
| Earnings coverage of net charge-offs (x) | 4.5893% | 3,527 |
| Efficiency ratio | 76.4498% | 2,711 |
| Assets per employee ($millions) | 3.0534% | 5,756 |
| Cash dividends to net income (ytd only)* | 60.6181% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 4,234 |
| Loan loss allowance to noncurrent loans | 41.4738% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 2.5600% | 1,330 |
| Noncurrent loans to loans | 3.0887% | 1,116 |
| Net loans and leases to total assets | 77.6511% | 865 |
| Net loans and leases to deposits | 91.8761% | 1,070 |
| Net loans and leases to core deposits | 97.3290% | 1,361 |
| Total domestic deposits to total assets | 84.5173% | 3,958 |
| Equity capital to assets | 8.0162% | 6,005 |
| Core capital (leverage) ratio | 8.5299% | 5,633 |
| Tier 1 risk-based capital ratio | 11.4243% | 5,947 |
| Total risk-based capital ratio | 12.7737% | 5,835 |
| Memoranda: | ||
| Average total assets | $180,931,400 | 3,266 |
| Average earning assets | $167,306,200 | 3,252 |
| Average equity | $14,720,600 | 3,916 |
| Average total loans | $137,313,400 | 2,744 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 2,530 |
| Cost of funding earning assets | 1.1222% | 274 |
| Net interest margin | 3.2969% | 4,650 |
| Noninterest income to average assets | 1.2175% | 987 |
| Noninterest expense to average assets | 3.1979% | 2,373 |
| Loan and lease loss provision to assets | 0.2661% | 1,330 |
| Net operating income to assets | 0.5705% | 4,472 |
| Return on assets (ROA) | 0.5899% | 4,523 |
| Pretax return on assets | 0.8257% | 4,199 |
| Return on Equity (ROE) | 7.2235% | 3,531 |
| Retained earnings to average equity (ytd only) | 6.7076% | 2,030 |
| Net charge-offs to loans | 0.3117% | 1,981 |
| Credit loss provision to net charge-offs | 113.5647% | 2,072 |
| Earnings coverage of net charge-offs (x) | 4.5425% | 3,417 |
| Efficiency ratio | 75.0260% | 2,901 |
| Assets per employee ($millions) | 3.1012% | 5,670 |
| Cash dividends to net income (ytd only)* | 7.1431% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 4,408 |
| Loan loss allowance to noncurrent loans | 51.6184% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 2.0976% | 1,905 |
| Noncurrent loans to loans | 2.5117% | 1,721 |
| Net loans and leases to total assets | 74.9761% | 1,136 |
| Net loans and leases to deposits | 89.6734% | 1,205 |
| Net loans and leases to core deposits | 95.1729% | 1,456 |
| Total domestic deposits to total assets | 83.6102% | 4,345 |
| Equity capital to assets | 8.0362% | 6,125 |
| Core capital (leverage) ratio | 8.9173% | 5,244 |
| Tier 1 risk-based capital ratio | 11.9396% | 5,812 |
| Total risk-based capital ratio | 13.2541% | 5,716 |
| Memoranda: | ||
| Average total assets | $180,363,250 | 3,293 |
| Average earning assets | $166,575,750 | 3,293 |
| Average equity | $14,729,250 | 3,965 |
| Average total loans | $135,615,250 | 2,776 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3980% | 2,569 |
| Cost of funding earning assets | 1.1263% | 298 |
| Net interest margin | 3.2717% | 4,682 |
| Noninterest income to average assets | 1.2892% | 929 |
| Noninterest expense to average assets | 3.1377% | 2,561 |
| Loan and lease loss provision to assets | 0.2674% | 1,385 |
| Net operating income to assets | 0.6308% | 4,153 |
| Return on assets (ROA) | 0.6596% | 4,173 |
| Pretax return on assets | 0.9482% | 3,723 |
| Return on Equity (ROE) | 8.0338% | 3,078 |
| Retained earnings to average equity (ytd only) | 7.2603% | 1,766 |
| Net charge-offs to loans | 0.3673% | 1,737 |
| Credit loss provision to net charge-offs | 97.1660% | 2,298 |
| Earnings coverage of net charge-offs (x) | 4.2672% | 3,176 |
| Efficiency ratio | 72.7649% | 3,347 |
| Assets per employee ($millions) | 3.0209% | 5,813 |
| Cash dividends to net income (ytd only)* | 9.6284% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 4,507 |
| Loan loss allowance to noncurrent loans | 60.2405% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 1.8246% | 2,380 |
| Noncurrent loans to loans | 2.1593% | 2,224 |
| Net loans and leases to total assets | 74.6287% | 1,154 |
| Net loans and leases to deposits | 86.7767% | 1,484 |
| Net loans and leases to core deposits | 91.9100% | 1,719 |
| Total domestic deposits to total assets | 86.0009% | 3,367 |
| Equity capital to assets | 8.2510% | 6,020 |
| Core capital (leverage) ratio | 8.7973% | 5,293 |
| Tier 1 risk-based capital ratio | 12.0447% | 5,772 |
| Total risk-based capital ratio | 13.3537% | 5,682 |
| Memoranda: | ||
| Average total assets | $179,493,330 | 3,318 |
| Average earning assets | $165,847,670 | 3,316 |
| Average equity | $14,737,670 | 3,999 |
| Average total loans | $134,491,000 | 2,794 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3291% | 2,768 |
| Cost of funding earning assets | 1.1202% | 340 |
| Net interest margin | 3.2089% | 4,900 |
| Noninterest income to average assets | 1.0659% | 1,311 |
| Noninterest expense to average assets | 3.1223% | 2,611 |
| Loan and lease loss provision to assets | 0.2665% | 1,329 |
| Net operating income to assets | 0.4841% | 4,757 |
| Return on assets (ROA) | 0.4841% | 4,913 |
| Pretax return on assets | 0.6351% | 4,819 |
| Return on Equity (ROE) | 5.9105% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.9105% | 2,730 |
| Net charge-offs to loans | 0.3870% | 1,486 |
| Credit loss provision to net charge-offs | 92.3077% | 1,980 |
| Earnings coverage of net charge-offs (x) | 3.1231% | 2,837 |
| Efficiency ratio | 77.5938% | 2,676 |
| Assets per employee ($millions) | 2.9767% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 4,626 |
| Loan loss allowance to noncurrent loans | 47.6554% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 2.1968% | 2,123 |
| Noncurrent loans to loans | 2.7565% | 1,844 |
| Net loans and leases to total assets | 72.3195% | 1,306 |
| Net loans and leases to deposits | 83.8063% | 1,619 |
| Net loans and leases to core deposits | 88.7907% | 1,828 |
| Total domestic deposits to total assets | 86.2936% | 3,362 |
| Equity capital to assets | 8.1865% | 6,261 |
| Core capital (leverage) ratio | 8.6251% | 5,425 |
| Tier 1 risk-based capital ratio | 12.1683% | 5,809 |
| Total risk-based capital ratio | 13.4586% | 5,747 |
| Memoranda: | ||
| Average total assets | $180,123,500 | 3,344 |
| Average earning assets | $166,039,000 | 3,346 |
| Average equity | $14,753,500 | 4,047 |
| Average total loans | $134,353,500 | 2,811 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 2,966 |
| Cost of funding earning assets | 1.1366% | 784 |
| Net interest margin | 3.4716% | 4,619 |
| Noninterest income to average assets | 1.2848% | 939 |
| Noninterest expense to average assets | 3.0597% | 3,050 |
| Loan and lease loss provision to assets | 0.4030% | 1,610 |
| Net operating income to assets | 0.7655% | 3,436 |
| Return on assets (ROA) | 0.7833% | 3,605 |
| Pretax return on assets | 1.0733% | 3,263 |
| Return on Equity (ROE) | 9.9579% | 2,190 |
| Retained earnings to average equity (ytd only) | 5.7973% | 2,201 |
| Net charge-offs to loans | 0.3473% | 2,900 |
| Credit loss provision to net charge-offs | 154.8857% | 1,742 |
| Earnings coverage of net charge-offs (x) | 5.5800% | 2,999 |
| Efficiency ratio | 67.8177% | 4,181 |
| Assets per employee ($millions) | 3.0283% | 5,975 |
| Cash dividends to net income (ytd only)* | 41.7818% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 4,647 |
| Loan loss allowance to noncurrent loans | 45.7477% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 2.3463% | 2,093 |
| Noncurrent loans to loans | 2.8347% | 1,855 |
| Net loans and leases to total assets | 74.9340% | 1,060 |
| Net loans and leases to deposits | 87.2566% | 1,357 |
| Net loans and leases to core deposits | 90.6587% | 1,756 |
| Total domestic deposits to total assets | 85.8777% | 3,414 |
| Equity capital to assets | 8.1951% | 6,284 |
| Core capital (leverage) ratio | 7.6651% | 6,425 |
| Tier 1 risk-based capital ratio | 11.7855% | 5,915 |
| Total risk-based capital ratio | 13.0514% | 5,874 |
| Memoranda: | ||
| Average total assets | $184,856,800 | 3,245 |
| Average earning assets | $171,824,200 | 3,204 |
| Average equity | $14,541,200 | 4,055 |
| Average total loans | $138,507,600 | 2,734 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 3,246 |
| Cost of funding earning assets | 1.1332% | 933 |
| Net interest margin | 3.4572% | 4,818 |
| Noninterest income to average assets | 1.1924% | 1,064 |
| Noninterest expense to average assets | 2.8897% | 3,643 |
| Loan and lease loss provision to assets | 0.4184% | 1,528 |
| Net operating income to assets | 0.8011% | 3,449 |
| Return on assets (ROA) | 0.8211% | 3,583 |
| Pretax return on assets | 1.1351% | 3,206 |
| Return on Equity (ROE) | 10.5444% | 2,118 |
| Retained earnings to average equity (ytd only) | 9.9933% | 916 |
| Net charge-offs to loans | 0.3189% | 2,851 |
| Credit loss provision to net charge-offs | 175.6757% | 1,582 |
| Earnings coverage of net charge-offs (x) | 6.4054% | 2,794 |
| Efficiency ratio | 65.4463% | 4,548 |
| Assets per employee ($millions) | 3.2114% | 5,613 |
| Cash dividends to net income (ytd only)* | 5.2266% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 5,037 |
| Loan loss allowance to noncurrent loans | 57.9244% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 1.7000% | 3,042 |
| Noncurrent loans to loans | 2.1615% | 2,663 |
| Net loans and leases to total assets | 72.7214% | 1,433 |
| Net loans and leases to deposits | 84.1693% | 1,849 |
| Net loans and leases to core deposits | 93.4193% | 1,632 |
| Total domestic deposits to total assets | 86.3990% | 3,038 |
| Equity capital to assets | 7.9664% | 6,610 |
| Core capital (leverage) ratio | 8.2865% | 6,033 |
| Tier 1 risk-based capital ratio | 11.6363% | 6,154 |
| Total risk-based capital ratio | 12.8865% | 6,122 |
| Memoranda: | ||
| Average total assets | $186,404,000 | 3,253 |
| Average earning assets | $173,779,000 | 3,217 |
| Average equity | $14,516,000 | 4,100 |
| Average total loans | $139,224,000 | 2,759 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 3,293 |
| Cost of funding earning assets | 1.1498% | 1,025 |
| Net interest margin | 3.4668% | 4,811 |
| Noninterest income to average assets | 1.1716% | 1,039 |
| Noninterest expense to average assets | 2.9118% | 3,574 |
| Loan and lease loss provision to assets | 0.4208% | 1,554 |
| Net operating income to assets | 0.7653% | 3,534 |
| Return on assets (ROA) | 0.7746% | 3,760 |
| Pretax return on assets | 1.0821% | 3,368 |
| Return on Equity (ROE) | 10.0256% | 2,334 |
| Retained earnings to average equity (ytd only) | 9.1878% | 1,211 |
| Net charge-offs to loans | 0.1682% | 3,595 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 11.8034% | 1,934 |
| Efficiency ratio | 66.1520% | 4,508 |
| Assets per employee ($millions) | 3.1755% | 5,702 |
| Cash dividends to net income (ytd only)* | 8.3565% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 5,052 |
| Loan loss allowance to noncurrent loans | 59.8780% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 1.6722% | 3,212 |
| Noncurrent loans to loans | 2.1151% | 2,806 |
| Net loans and leases to total assets | 73.5251% | 1,327 |
| Net loans and leases to deposits | 84.4023% | 1,803 |
| Net loans and leases to core deposits | 94.2790% | 1,572 |
| Total domestic deposits to total assets | 87.1127% | 2,710 |
| Equity capital to assets | 7.8162% | 6,667 |
| Core capital (leverage) ratio | 7.6488% | 6,541 |
| Tier 1 risk-based capital ratio | 11.2086% | 6,395 |
| Total risk-based capital ratio | 12.4717% | 6,366 |
| Memoranda: | ||
| Average total assets | $185,381,670 | 3,276 |
| Average earning assets | $172,722,330 | 3,235 |
| Average equity | $14,323,330 | 4,133 |
| Average total loans | $139,121,000 | 2,774 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6099% | 3,456 |
| Cost of funding earning assets | 1.1694% | 1,110 |
| Net interest margin | 3.4405% | 4,952 |
| Noninterest income to average assets | 1.1475% | 1,074 |
| Noninterest expense to average assets | 2.8439% | 3,851 |
| Loan and lease loss provision to assets | 0.2603% | 2,373 |
| Net operating income to assets | 0.8606% | 3,103 |
| Return on assets (ROA) | 0.8785% | 3,245 |
| Pretax return on assets | 1.2734% | 2,637 |
| Return on Equity (ROE) | 11.4383% | 1,858 |
| Retained earnings to average equity (ytd only) | 11.4383% | 934 |
| Net charge-offs to loans | 0.1094% | 3,474 |
| Credit loss provision to net charge-offs | 315.7895% | 941 |
| Earnings coverage of net charge-offs (x) | 18.2895% | 1,274 |
| Efficiency ratio | 65.3539% | 4,679 |
| Assets per employee ($millions) | 3.3349% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,783 |
| Loan loss allowance to noncurrent loans | 45.6572% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 1.8447% | 3,120 |
| Noncurrent loans to loans | 2.4836% | 2,627 |
| Net loans and leases to total assets | 71.0863% | 1,555 |
| Net loans and leases to deposits | 81.3704% | 2,011 |
| Net loans and leases to core deposits | 93.4610% | 1,509 |
| Total domestic deposits to total assets | 87.3614% | 2,739 |
| Equity capital to assets | 7.4200% | 6,810 |
| Core capital (leverage) ratio | 8.1152% | 6,140 |
| Tier 1 risk-based capital ratio | 11.1650% | 6,463 |
| Total risk-based capital ratio | 12.3480% | 6,480 |
| Memoranda: | ||
| Average total assets | $184,395,000 | 3,312 |
| Average earning assets | $171,719,000 | 3,258 |
| Average equity | $14,163,000 | 4,168 |
| Average total loans | $138,921,500 | 2,800 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0182% | 2,798 |
| Cost of funding earning assets | 1.2910% | 1,525 |
| Net interest margin | 3.7272% | 4,169 |
| Noninterest income to average assets | 0.9630% | 1,465 |
| Noninterest expense to average assets | 2.8862% | 4,015 |
| Loan and lease loss provision to assets | 0.5081% | 2,066 |
| Net operating income to assets | 0.7095% | 3,440 |
| Return on assets (ROA) | 0.7535% | 3,412 |
| Pretax return on assets | 1.1005% | 2,835 |
| Return on Equity (ROE) | 9.3835% | 2,291 |
| Retained earnings to average equity (ytd only) | 4.3718% | 3,063 |
| Net charge-offs to loans | 0.5112% | 2,946 |
| Credit loss provision to net charge-offs | 129.2217% | 2,375 |
| Earnings coverage of net charge-offs (x) | 3.9266% | 3,332 |
| Efficiency ratio | 65.1505% | 4,928 |
| Assets per employee ($millions) | 2.9723% | 6,151 |
| Cash dividends to net income (ytd only)* | 53.4100% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 5,895 |
| Loan loss allowance to noncurrent loans | 43.2957% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 2.0466% | 2,903 |
| Noncurrent loans to loans | 2.4883% | 2,641 |
| Net loans and leases to total assets | 78.2780% | 681 |
| Net loans and leases to deposits | 91.8589% | 980 |
| Net loans and leases to core deposits | 97.4445% | 1,372 |
| Total domestic deposits to total assets | 85.2155% | 3,737 |
| Equity capital to assets | 7.9685% | 6,593 |
| Core capital (leverage) ratio | 8.1316% | 6,100 |
| Tier 1 risk-based capital ratio | 10.9411% | 6,483 |
| Total risk-based capital ratio | 12.0837% | 6,521 |
| Memoranda: | ||
| Average total assets | $173,200,600 | 3,439 |
| Average earning assets | $161,112,600 | 3,382 |
| Average equity | $13,907,400 | 4,127 |
| Average total loans | $133,211,400 | 2,937 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9890% | 3,146 |
| Cost of funding earning assets | 1.3022% | 1,687 |
| Net interest margin | 3.6868% | 4,397 |
| Noninterest income to average assets | 0.9012% | 1,650 |
| Noninterest expense to average assets | 2.9344% | 3,795 |
| Loan and lease loss provision to assets | 0.5560% | 1,769 |
| Net operating income to assets | 0.5849% | 4,155 |
| Return on assets (ROA) | 0.6371% | 4,117 |
| Pretax return on assets | 0.9189% | 3,688 |
| Return on Equity (ROE) | 7.9187% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.3716% | 1,785 |
| Net charge-offs to loans | 0.6180% | 2,395 |
| Credit loss provision to net charge-offs | 117.8396% | 2,770 |
| Earnings coverage of net charge-offs (x) | 2.9656% | 3,660 |
| Efficiency ratio | 67.7120% | 4,374 |
| Assets per employee ($millions) | 2.6913% | 6,658 |
| Cash dividends to net income (ytd only)* | 6.9093% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 6,113 |
| Loan loss allowance to noncurrent loans | 38.9474% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 2.1320% | 2,999 |
| Noncurrent loans to loans | 2.6505% | 2,628 |
| Net loans and leases to total assets | 75.8868% | 994 |
| Net loans and leases to deposits | 87.1291% | 1,538 |
| Net loans and leases to core deposits | 97.5072% | 1,465 |
| Total domestic deposits to total assets | 87.0970% | 2,596 |
| Equity capital to assets | 8.0906% | 6,643 |
| Core capital (leverage) ratio | 8.3933% | 5,868 |
| Tier 1 risk-based capital ratio | 11.2043% | 6,426 |
| Total risk-based capital ratio | 12.2857% | 6,506 |
| Memoranda: | ||
| Average total assets | $172,659,250 | 3,475 |
| Average earning assets | $160,750,500 | 3,411 |
| Average equity | $13,890,750 | 4,145 |
| Average total loans | $131,822,250 | 2,978 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0044% | 3,133 |
| Cost of funding earning assets | 1.3280% | 1,776 |
| Net interest margin | 3.6763% | 4,375 |
| Noninterest income to average assets | 0.9766% | 1,386 |
| Noninterest expense to average assets | 2.8912% | 4,061 |
| Loan and lease loss provision to assets | 0.5263% | 1,857 |
| Net operating income to assets | 0.6677% | 3,703 |
| Return on assets (ROA) | 0.6947% | 3,685 |
| Pretax return on assets | 1.0210% | 3,160 |
| Return on Equity (ROE) | 8.6522% | 2,657 |
| Retained earnings to average equity (ytd only) | 7.8219% | 1,523 |
| Net charge-offs to loans | 0.2593% | 3,591 |
| Credit loss provision to net charge-offs | 266.2722% | 1,143 |
| Earnings coverage of net charge-offs (x) | 7.6272% | 2,194 |
| Efficiency ratio | 65.7272% | 4,927 |
| Assets per employee ($millions) | 2.5802% | 6,821 |
| Cash dividends to net income (ytd only)* | 9.5960% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 5,565 |
| Loan loss allowance to noncurrent loans | 44.7533% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 2.2397% | 2,931 |
| Noncurrent loans to loans | 2.6709% | 2,725 |
| Net loans and leases to total assets | 76.5964% | 983 |
| Net loans and leases to deposits | 87.7491% | 1,537 |
| Net loans and leases to core deposits | 96.2174% | 1,661 |
| Total domestic deposits to total assets | 87.2902% | 2,576 |
| Equity capital to assets | 8.3039% | 6,424 |
| Core capital (leverage) ratio | 8.3228% | 5,829 |
| Tier 1 risk-based capital ratio | 11.2610% | 6,344 |
| Total risk-based capital ratio | 12.5058% | 6,343 |
| Memoranda: | ||
| Average total assets | $171,004,000 | 3,514 |
| Average earning assets | $159,181,330 | 3,461 |
| Average equity | $13,730,670 | 4,174 |
| Average total loans | $130,363,000 | 3,030 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0200% | 3,010 |
| Cost of funding earning assets | 1.3415% | 1,939 |
| Net interest margin | 3.6785% | 4,208 |
| Noninterest income to average assets | 0.9150% | 1,604 |
| Noninterest expense to average assets | 2.9015% | 4,053 |
| Loan and lease loss provision to assets | 0.4202% | 2,088 |
| Net operating income to assets | 0.6894% | 3,557 |
| Return on assets (ROA) | 0.6909% | 3,619 |
| Pretax return on assets | 1.0201% | 3,060 |
| Return on Equity (ROE) | 8.7538% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.7538% | 1,472 |
| Net charge-offs to loans | 0.4200% | 2,431 |
| Credit loss provision to net charge-offs | 132.3529% | 2,098 |
| Earnings coverage of net charge-offs (x) | 4.5294% | 2,456 |
| Efficiency ratio | 66.8639% | 4,879 |
| Assets per employee ($millions) | 3.1157% | 5,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 6,261 |
| Loan loss allowance to noncurrent loans | 34.5995% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 2.4203% | 2,811 |
| Noncurrent loans to loans | 2.9981% | 2,510 |
| Net loans and leases to total assets | 73.2128% | 1,479 |
| Net loans and leases to deposits | 83.2368% | 2,150 |
| Net loans and leases to core deposits | 93.8816% | 1,900 |
| Total domestic deposits to total assets | 87.9573% | 2,395 |
| Equity capital to assets | 7.9024% | 6,595 |
| Core capital (leverage) ratio | 8.1700% | 6,016 |
| Tier 1 risk-based capital ratio | 11.1581% | 6,388 |
| Total risk-based capital ratio | 12.2218% | 6,502 |
| Memoranda: | ||
| Average total assets | $171,359,000 | 3,534 |
| Average earning assets | $159,521,500 | 3,477 |
| Average equity | $13,525,500 | 4,212 |
| Average total loans | $129,536,000 | 3,073 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1392% | 3,910 |
| Cost of funding earning assets | 1.4423% | 3,006 |
| Net interest margin | 3.6969% | 4,356 |
| Noninterest income to average assets | 0.9369% | 1,717 |
| Noninterest expense to average assets | 2.9737% | 3,946 |
| Loan and lease loss provision to assets | 0.2846% | 4,523 |
| Net operating income to assets | 0.7091% | 3,198 |
| Return on assets (ROA) | 0.7631% | 3,066 |
| Pretax return on assets | 1.1497% | 2,396 |
| Return on Equity (ROE) | 9.5996% | 2,075 |
| Retained earnings to average equity (ytd only) | 4.1621% | 2,935 |
| Net charge-offs to loans | 0.1174% | 5,706 |
| Credit loss provision to net charge-offs | 324.3243% | 796 |
| Earnings coverage of net charge-offs (x) | 15.4122% | 1,281 |
| Efficiency ratio | 68.7363% | 4,418 |
| Assets per employee ($millions) | 2.9007% | 6,324 |
| Cash dividends to net income (ytd only)* | 56.6434% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 6,403 |
| Loan loss allowance to noncurrent loans | 37.7254% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 2.2207% | 3,068 |
| Noncurrent loans to loans | 2.6448% | 2,876 |
| Net loans and leases to total assets | 76.4953% | 1,183 |
| Net loans and leases to deposits | 92.5258% | 1,199 |
| Net loans and leases to core deposits | 98.1446% | 1,784 |
| Total domestic deposits to total assets | 82.6746% | 4,935 |
| Equity capital to assets | 7.8834% | 6,605 |
| Core capital (leverage) ratio | 7.6963% | 6,549 |
| Tier 1 risk-based capital ratio | 10.9898% | 6,332 |
| Total risk-based capital ratio | 12.0151% | 6,487 |
| Memoranda: | ||
| Average total assets | $168,647,200 | 3,566 |
| Average earning assets | $154,615,800 | 3,561 |
| Average equity | $13,406,800 | 4,282 |
| Average total loans | $126,092,000 | 3,198 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1335% | 4,156 |
| Cost of funding earning assets | 1.4410% | 3,323 |
| Net interest margin | 3.6925% | 4,444 |
| Noninterest income to average assets | 0.8841% | 1,855 |
| Noninterest expense to average assets | 2.9953% | 3,763 |
| Loan and lease loss provision to assets | 0.2844% | 4,302 |
| Net operating income to assets | 0.6510% | 3,639 |
| Return on assets (ROA) | 0.7182% | 3,485 |
| Pretax return on assets | 1.0777% | 2,903 |
| Return on Equity (ROE) | 9.0158% | 2,482 |
| Retained earnings to average equity (ytd only) | 8.4306% | 1,267 |
| Net charge-offs to loans | 0.0650% | 5,868 |
| Credit loss provision to net charge-offs | 590.1639% | 494 |
| Earnings coverage of net charge-offs (x) | 26.1807% | 968 |
| Efficiency ratio | 70.3601% | 3,991 |
| Assets per employee ($millions) | 3.0859% | 5,954 |
| Cash dividends to net income (ytd only)* | 6.4903% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 6,468 |
| Loan loss allowance to noncurrent loans | 40.4671% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 1.9130% | 3,592 |
| Noncurrent loans to loans | 2.4300% | 3,202 |
| Net loans and leases to total assets | 71.1664% | 2,449 |
| Net loans and leases to deposits | 82.7309% | 2,956 |
| Net loans and leases to core deposits | 86.8186% | 3,542 |
| Total domestic deposits to total assets | 86.0215% | 3,062 |
| Equity capital to assets | 7.7851% | 6,938 |
| Core capital (leverage) ratio | 8.1029% | 6,191 |
| Tier 1 risk-based capital ratio | 11.2867% | 6,110 |
| Total risk-based capital ratio | 12.2916% | 6,318 |
| Memoranda: | ||
| Average total assets | $168,749,250 | 3,609 |
| Average earning assets | $154,147,000 | 3,619 |
| Average equity | $13,442,750 | 4,340 |
| Average total loans | $125,117,000 | 3,261 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 4,077 |
| Cost of funding earning assets | 1.4626% | 3,478 |
| Net interest margin | 3.7111% | 4,310 |
| Noninterest income to average assets | 0.8540% | 1,868 |
| Noninterest expense to average assets | 2.9914% | 3,743 |
| Loan and lease loss provision to assets | 0.2903% | 4,061 |
| Net operating income to assets | 0.6604% | 3,582 |
| Return on assets (ROA) | 0.6701% | 3,675 |
| Pretax return on assets | 0.9967% | 3,127 |
| Return on Equity (ROE) | 8.3440% | 2,740 |
| Retained earnings to average equity (ytd only) | 7.4554% | 1,652 |
| Net charge-offs to loans | 0.0226% | 6,022 |
| Credit loss provision to net charge-offs | 1,714.2857% | 233 |
| Earnings coverage of net charge-offs (x) | 75.1429% | 417 |
| Efficiency ratio | 70.1560% | 4,162 |
| Assets per employee ($millions) | 2.7366% | 6,718 |
| Cash dividends to net income (ytd only)* | 10.6498% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 6,618 |
| Loan loss allowance to noncurrent loans | 32.6839% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 2.2997% | 3,131 |
| Noncurrent loans to loans | 2.8856% | 2,767 |
| Net loans and leases to total assets | 74.9352% | 1,709 |
| Net loans and leases to deposits | 94.0712% | 1,264 |
| Net loans and leases to core deposits | 99.2557% | 2,096 |
| Total domestic deposits to total assets | 79.6580% | 5,833 |
| Equity capital to assets | 8.1307% | 6,621 |
| Core capital (leverage) ratio | 8.3362% | 5,695 |
| Tier 1 risk-based capital ratio | 11.3734% | 5,886 |
| Total risk-based capital ratio | 12.3490% | 6,122 |
| Memoranda: | ||
| Average total assets | $165,338,330 | 3,685 |
| Average earning assets | $151,923,000 | 3,673 |
| Average equity | $13,279,000 | 4,378 |
| Average total loans | $123,942,670 | 3,322 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2348% | 3,854 |
| Cost of funding earning assets | 1.4941% | 3,601 |
| Net interest margin | 3.7407% | 4,049 |
| Noninterest income to average assets | 0.7706% | 2,171 |
| Noninterest expense to average assets | 2.9902% | 3,718 |
| Loan and lease loss provision to assets | 0.2917% | 3,685 |
| Net operating income to assets | 0.6025% | 3,885 |
| Return on assets (ROA) | 0.6223% | 3,928 |
| Pretax return on assets | 0.9141% | 3,415 |
| Return on Equity (ROE) | 7.7977% | 2,979 |
| Retained earnings to average equity (ytd only) | 7.7977% | 1,792 |
| Net charge-offs to loans | 0.0195% | 5,312 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 80.6667% | 386 |
| Efficiency ratio | 71.7620% | 3,972 |
| Assets per employee ($millions) | 2.8782% | 6,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 6,912 |
| Loan loss allowance to noncurrent loans | 39.7933% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 1.7396% | 3,869 |
| Noncurrent loans to loans | 2.1986% | 3,528 |
| Net loans and leases to total assets | 73.1665% | 2,161 |
| Net loans and leases to deposits | 86.6431% | 2,478 |
| Net loans and leases to core deposits | 100.7498% | 2,052 |
| Total domestic deposits to total assets | 84.4459% | 3,917 |
| Equity capital to assets | 7.9481% | 6,710 |
| Core capital (leverage) ratio | 8.3355% | 5,677 |
| Tier 1 risk-based capital ratio | 11.2653% | 5,884 |
| Total risk-based capital ratio | 12.1575% | 6,224 |
| Memoranda: | ||
| Average total assets | $164,540,000 | 3,753 |
| Average earning assets | $149,385,000 | 3,764 |
| Average equity | $13,132,000 | 4,445 |
| Average total loans | $122,772,000 | 3,410 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5082% | 4,101 |
| Cost of funding earning assets | 1.6947% | 4,537 |
| Net interest margin | 3.8135% | 3,647 |
| Noninterest income to average assets | 0.9528% | 1,738 |
| Noninterest expense to average assets | 3.1047% | 3,722 |
| Loan and lease loss provision to assets | 0.3916% | 4,445 |
| Net operating income to assets | 0.6726% | 3,045 |
| Return on assets (ROA) | 0.6143% | 3,347 |
| Pretax return on assets | 0.8972% | 2,933 |
| Return on Equity (ROE) | 7.0642% | 2,766 |
| Retained earnings to average equity (ytd only) | 1.5589% | 3,986 |
| Net charge-offs to loans | 0.3430% | 4,515 |
| Credit loss provision to net charge-offs | 151.7766% | 3,036 |
| Earnings coverage of net charge-offs (x) | 5.3274% | 2,632 |
| Efficiency ratio | 69.3129% | 4,768 |
| Assets per employee ($millions) | 2.7483% | 6,759 |
| Cash dividends to net income (ytd only)* | 77.9318% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 7,163 |
| Loan loss allowance to noncurrent loans | 44.4291% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4610% | 4,214 |
| Noncurrent loans to loans | 1.7756% | 3,969 |
| Net loans and leases to total assets | 74.8469% | 2,067 |
| Net loans and leases to deposits | 92.2204% | 1,865 |
| Net loans and leases to core deposits | 113.0537% | 2,595 |
| Total domestic deposits to total assets | 81.1609% | 5,286 |
| Equity capital to assets | 8.0149% | 6,569 |
| Core capital (leverage) ratio | 8.2947% | 5,632 |
| Tier 1 risk-based capital ratio | 11.3025% | 5,615 |
| Total risk-based capital ratio | 12.1196% | 6,015 |
| Memoranda: | ||
| Average total assets | $152,702,400 | 3,915 |
| Average earning assets | $141,208,000 | 3,870 |
| Average equity | $13,278,200 | 4,437 |
| Average total loans | $114,881,600 | 3,583 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4900% | 4,466 |
| Cost of funding earning assets | 1.7178% | 4,814 |
| Net interest margin | 3.7722% | 3,766 |
| Noninterest income to average assets | 0.9427% | 1,807 |
| Noninterest expense to average assets | 3.1368% | 3,512 |
| Loan and lease loss provision to assets | 0.3423% | 4,277 |
| Net operating income to assets | 0.6571% | 3,370 |
| Return on assets (ROA) | 0.7042% | 3,252 |
| Pretax return on assets | 1.0420% | 2,769 |
| Return on Equity (ROE) | 7.9306% | 2,671 |
| Retained earnings to average equity (ytd only) | 7.3313% | 1,382 |
| Net charge-offs to loans | 0.1982% | 4,829 |
| Credit loss provision to net charge-offs | 229.7619% | 1,899 |
| Earnings coverage of net charge-offs (x) | 8.8275% | 2,190 |
| Efficiency ratio | 70.4582% | 4,498 |
| Assets per employee ($millions) | 2.6336% | 6,981 |
| Cash dividends to net income (ytd only)* | 7.5569% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 7,104 |
| Loan loss allowance to noncurrent loans | 46.7973% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 1.3885% | 4,317 |
| Noncurrent loans to loans | 1.7162% | 4,062 |
| Net loans and leases to total assets | 76.5249% | 1,888 |
| Net loans and leases to deposits | 94.6633% | 1,773 |
| Net loans and leases to core deposits | 117.2592% | 2,498 |
| Total domestic deposits to total assets | 80.8390% | 5,140 |
| Equity capital to assets | 8.7378% | 5,897 |
| Core capital (leverage) ratio | 8.5535% | 5,392 |
| Tier 1 risk-based capital ratio | 11.5461% | 5,388 |
| Total risk-based capital ratio | 12.4016% | 5,751 |
| Memoranda: | ||
| Average total assets | $150,341,250 | 3,974 |
| Average earning assets | $139,862,500 | 3,928 |
| Average equity | $13,348,750 | 4,444 |
| Average total loans | $113,020,250 | 3,653 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5313% | 4,434 |
| Cost of funding earning assets | 1.7382% | 5,069 |
| Net interest margin | 3.7931% | 3,584 |
| Noninterest income to average assets | 1.0204% | 1,526 |
| Noninterest expense to average assets | 3.3170% | 2,888 |
| Loan and lease loss provision to assets | 0.3031% | 4,139 |
| Net operating income to assets | 0.6308% | 3,546 |
| Return on assets (ROA) | 0.6523% | 3,565 |
| Pretax return on assets | 0.9487% | 3,183 |
| Return on Equity (ROE) | 7.3052% | 3,060 |
| Retained earnings to average equity (ytd only) | 6.3959% | 1,844 |
| Net charge-offs to loans | 0.2871% | 3,759 |
| Credit loss provision to net charge-offs | 141.7722% | 3,286 |
| Earnings coverage of net charge-offs (x) | 5.7089% | 2,778 |
| Efficiency ratio | 73.0987% | 4,177 |
| Assets per employee ($millions) | 2.7698% | 6,701 |
| Cash dividends to net income (ytd only)* | 12.4481% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7375% | 7,341 |
| Loan loss allowance to noncurrent loans | 38.8523% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 1.4695% | 4,035 |
| Noncurrent loans to loans | 1.8983% | 3,672 |
| Net loans and leases to total assets | 70.4119% | 3,605 |
| Net loans and leases to deposits | 92.8450% | 2,308 |
| Net loans and leases to core deposits | 112.3421% | 3,096 |
| Total domestic deposits to total assets | 75.8381% | 6,588 |
| Equity capital to assets | 8.4608% | 6,106 |
| Core capital (leverage) ratio | 9.0526% | 4,550 |
| Tier 1 risk-based capital ratio | 12.3293% | 4,652 |
| Total risk-based capital ratio | 13.0844% | 4,984 |
| Memoranda: | ||
| Average total assets | $147,783,670 | 4,036 |
| Average earning assets | $137,038,670 | 4,008 |
| Average equity | $13,196,000 | 4,493 |
| Average total loans | $110,060,670 | 3,765 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7277% | 3,657 |
| Cost of funding earning assets | 1.7490% | 5,355 |
| Net interest margin | 3.9787% | 2,733 |
| Noninterest income to average assets | 1.0397% | 1,377 |
| Noninterest expense to average assets | 3.3208% | 2,596 |
| Loan and lease loss provision to assets | 0.3699% | 3,109 |
| Net operating income to assets | 0.7107% | 3,501 |
| Return on assets (ROA) | 0.7538% | 3,508 |
| Pretax return on assets | 1.1238% | 2,898 |
| Return on Equity (ROE) | 8.2043% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.2043% | 1,739 |
| Net charge-offs to loans | 0.3227% | 2,804 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 5.7955% | 2,605 |
| Efficiency ratio | 69.9115% | 4,595 |
| Assets per employee ($millions) | 2.4887% | 7,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 7,340 |
| Loan loss allowance to noncurrent loans | 59.1477% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 4,536 |
| Noncurrent loans to loans | 1.2504% | 4,470 |
| Net loans and leases to total assets | 74.8517% | 2,542 |
| Net loans and leases to deposits | 92.6510% | 2,489 |
| Net loans and leases to core deposits | 106.1336% | 3,892 |
| Total domestic deposits to total assets | 80.7889% | 5,046 |
| Equity capital to assets | 9.1587% | 5,138 |
| Core capital (leverage) ratio | 9.3216% | 4,213 |
| Tier 1 risk-based capital ratio | 12.8541% | 4,287 |
| Total risk-based capital ratio | 13.6252% | 4,562 |
| Memoranda: | ||
| Average total assets | $142,735,000 | 4,134 |
| Average earning assets | $133,108,000 | 4,087 |
| Average equity | $13,115,000 | 4,556 |
| Average total loans | $109,094,500 | 3,811 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0235% | 5,436 |
| Cost of funding earning assets | 2.1640% | 5,765 |
| Net interest margin | 3.8596% | 3,746 |
| Noninterest income to average assets | 0.6996% | 3,124 |
| Noninterest expense to average assets | 3.0692% | 3,827 |
| Loan and lease loss provision to assets | 0.2570% | 4,347 |
| Net operating income to assets | 0.7251% | 3,781 |
| Return on assets (ROA) | 0.2275% | 5,592 |
| Pretax return on assets | 0.2487% | 5,630 |
| Return on Equity (ROE) | 2.5267% | 5,408 |
| Retained earnings to average equity (ytd only) | -2.8539% | 6,069 |
| Net charge-offs to loans | 0.4404% | 2,629 |
| Credit loss provision to net charge-offs | 83.5189% | 5,821 |
| Earnings coverage of net charge-offs (x) | 3.4209% | 4,376 |
| Efficiency ratio | 74.4638% | 3,497 |
| Assets per employee ($millions) | 2.5201% | 7,174 |
| Cash dividends to net income (ytd only)* | 212.9518% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6951% | 7,442 |
| Loan loss allowance to noncurrent loans | 61.0442% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 1.0197% | 4,279 |
| Noncurrent loans to loans | 1.1387% | 4,269 |
| Net loans and leases to total assets | 76.9383% | 2,393 |
| Net loans and leases to deposits | 96.2862% | 2,401 |
| Net loans and leases to core deposits | 111.2386% | 3,645 |
| Total domestic deposits to total assets | 79.9059% | 5,056 |
| Equity capital to assets | 9.2187% | 5,049 |
| Core capital (leverage) ratio | 9.3224% | 4,270 |
| Tier 1 risk-based capital ratio | 12.6499% | 4,324 |
| Total risk-based capital ratio | 13.3772% | 4,607 |
| Memoranda: | ||
| Average total assets | $145,935,600 | 3,975 |
| Average earning assets | $129,392,200 | 4,051 |
| Average equity | $13,139,800 | 4,536 |
| Average total loans | $101,941,600 | 3,895 |