Home > Adrian Bank > Performance and Condition Ratios
Adrian 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 | 4.7912% | 2,486 |
| Cost of funding earning assets | 0.9096% | 3,502 |
| Net interest margin | 3.8816% | 1,415 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.2519% | 2,977 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.8301% | 585 |
| Return on assets (ROA) | 1.8203% | 575 |
| Pretax return on assets | 1.8203% | 864 |
| Return on Equity (ROE) | 24.5000% | 328 |
| Retained earnings to average equity (ytd only) | 9.3970% | 1,156 |
| Net charge-offs to loans | 0.0362% | 1,581 |
| Credit loss provision to net charge-offs | 424.3243% | 755 |
| Earnings coverage of net charge-offs (x) | 90.1892% | 955 |
| Efficiency ratio | 53.9724% | 3,678 |
| Assets per employee ($millions) | 5.7109% | 3,063 |
| Cash dividends to net income (ytd only)* | 61.6503% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 1,976 |
| Loan loss allowance to noncurrent loans | 610.3139% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 2,702 |
| Noncurrent loans to loans | 0.2061% | 2,483 |
| Net loans and leases to total assets | 60.3500% | 2,814 |
| Net loans and leases to deposits | 69.5299% | 2,920 |
| Net loans and leases to core deposits | 72.0626% | 3,186 |
| Total domestic deposits to total assets | 86.8000% | 1,754 |
| Equity capital to assets | 8.3682% | 3,142 |
| Core capital (leverage) ratio | 12.0610% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7967% | 553 |
| Memoranda: | ||
| Average total assets | $173,764,800 | 3,172 |
| Average earning assets | $167,327,600 | 3,121 |
| Average equity | $12,908,400 | 3,433 |
| Average total loans | $102,129,600 | 3,157 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6571% | 2,560 |
| Cost of funding earning assets | 0.7950% | 3,531 |
| Net interest margin | 3.8621% | 1,475 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.1709% | 3,153 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.9057% | 559 |
| Return on assets (ROA) | 1.8926% | 558 |
| Pretax return on assets | 1.8926% | 868 |
| Return on Equity (ROE) | 26.3300% | 338 |
| Retained earnings to average equity (ytd only) | 14.2642% | 641 |
| Net charge-offs to loans | 0.0411% | 1,299 |
| Credit loss provision to net charge-offs | 325.8065% | 837 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 1,028 |
| Efficiency ratio | 52.2546% | 3,739 |
| Assets per employee ($millions) | 5.7077% | 3,013 |
| Cash dividends to net income (ytd only)* | 45.8248% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 2,056 |
| Loan loss allowance to noncurrent loans | 720.3297% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 2,868 |
| Noncurrent loans to loans | 0.1748% | 2,670 |
| Net loans and leases to total assets | 60.0200% | 2,845 |
| Net loans and leases to deposits | 67.1416% | 3,047 |
| Net loans and leases to core deposits | 69.1216% | 3,259 |
| Total domestic deposits to total assets | 89.4000% | 1,117 |
| Equity capital to assets | 6.5735% | 3,804 |
| Core capital (leverage) ratio | 12.1980% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4465% | 521 |
| Memoranda: | ||
| Average total assets | $172,946,250 | 3,187 |
| Average earning assets | $166,364,000 | 3,132 |
| Average equity | $12,431,750 | 3,485 |
| Average total loans | $100,609,750 | 3,171 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5010% | 2,641 |
| Cost of funding earning assets | 0.6517% | 3,622 |
| Net interest margin | 3.8493% | 1,525 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.1900% | 3,104 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.8938% | 566 |
| Return on assets (ROA) | 1.8742% | 580 |
| Pretax return on assets | 1.8742% | 897 |
| Return on Equity (ROE) | 25.3600% | 364 |
| Retained earnings to average equity (ytd only) | 13.6622% | 725 |
| Net charge-offs to loans | 0.0342% | 1,210 |
| Credit loss provision to net charge-offs | 264.7059% | 925 |
| Earnings coverage of net charge-offs (x) | 99.2941% | 941 |
| Efficiency ratio | 52.9543% | 3,703 |
| Assets per employee ($millions) | 6.1734% | 2,566 |
| Cash dividends to net income (ytd only)* | 46.1255% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,193 |
| Loan loss allowance to noncurrent loans | 613.0435% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 2,700 |
| Noncurrent loans to loans | 0.2032% | 2,452 |
| Net loans and leases to total assets | 58.2000% | 2,947 |
| Net loans and leases to deposits | 65.7540% | 3,074 |
| Net loans and leases to core deposits | 67.3299% | 3,270 |
| Total domestic deposits to total assets | 88.5100% | 1,422 |
| Equity capital to assets | 7.6509% | 3,433 |
| Core capital (leverage) ratio | 11.9720% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3527% | 534 |
| Memoranda: | ||
| Average total assets | $173,517,667 | 3,191 |
| Average earning assets | $166,940,000 | 3,134 |
| Average equity | $12,823,667 | 3,454 |
| Average total loans | $99,449,667 | 3,177 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 2,765 |
| Cost of funding earning assets | 0.4871% | 3,739 |
| Net interest margin | 3.8279% | 1,626 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.0386% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0593% | 454 |
| Return on assets (ROA) | 2.0201% | 468 |
| Pretax return on assets | 2.0201% | 747 |
| Return on Equity (ROE) | 27.8200% | 298 |
| Retained earnings to average equity (ytd only) | 15.9392% | 693 |
| Net charge-offs to loans | -0.0692% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.7473% | 3,960 |
| Assets per employee ($millions) | 5.9135% | 2,826 |
| Cash dividends to net income (ytd only)* | 42.7107% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 2,297 |
| Loan loss allowance to noncurrent loans | 708.6207% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 2,817 |
| Noncurrent loans to loans | 0.1763% | 2,597 |
| Net loans and leases to total assets | 56.8400% | 2,973 |
| Net loans and leases to deposits | 62.7131% | 3,185 |
| Net loans and leases to core deposits | 64.2273% | 3,332 |
| Total domestic deposits to total assets | 90.6300% | 932 |
| Equity capital to assets | 7.7625% | 3,403 |
| Core capital (leverage) ratio | 11.6480% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5009% | 533 |
| Memoranda: | ||
| Average total assets | $173,848,500 | 3,232 |
| Average earning assets | $167,507,500 | 3,170 |
| Average equity | $12,623,000 | 3,510 |
| Average total loans | $98,238,500 | 3,229 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 2,033 |
| Cost of funding earning assets | 0.3979% | 2,126 |
| Net interest margin | 3.4832% | 1,982 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.0509% | 3,438 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.7384% | 500 |
| Return on assets (ROA) | 1.7088% | 503 |
| Pretax return on assets | 1.7088% | 900 |
| Return on Equity (ROE) | 22.7000% | 292 |
| Retained earnings to average equity (ytd only) | 8.2056% | 1,752 |
| Net charge-offs to loans | 0.0170% | 1,776 |
| Credit loss provision to net charge-offs | 62.5000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 195.3125% | 652 |
| Efficiency ratio | 54.0441% | 3,792 |
| Assets per employee ($millions) | 5.8735% | 2,882 |
| Cash dividends to net income (ytd only)* | 63.8472% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,158 |
| Loan loss allowance to noncurrent loans | 682.1229% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 2,830 |
| Noncurrent loans to loans | 0.1831% | 2,572 |
| Net loans and leases to total assets | 54.8000% | 3,136 |
| Net loans and leases to deposits | 61.5211% | 3,233 |
| Net loans and leases to core deposits | 62.9174% | 3,334 |
| Total domestic deposits to total assets | 89.0700% | 1,700 |
| Equity capital to assets | 6.7728% | 3,777 |
| Core capital (leverage) ratio | 11.1441% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8487% | 559 |
| Memoranda: | ||
| Average total assets | $179,192,200 | 3,199 |
| Average earning assets | $172,915,400 | 3,122 |
| Average equity | $13,490,800 | 3,523 |
| Average total loans | $94,300,000 | 3,226 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 1,866 |
| Cost of funding earning assets | 0.3661% | 1,556 |
| Net interest margin | 3.3916% | 1,999 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.9643% | 3,574 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.7465% | 474 |
| Return on assets (ROA) | 1.7346% | 477 |
| Pretax return on assets | 1.7346% | 838 |
| Return on Equity (ROE) | 22.4900% | 275 |
| Retained earnings to average equity (ytd only) | 11.6808% | 869 |
| Net charge-offs to loans | -0.0086% | 3,652 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.8298% | 3,937 |
| Assets per employee ($millions) | 5.6829% | 3,047 |
| Cash dividends to net income (ytd only)* | 48.0564% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,087 |
| Loan loss allowance to noncurrent loans | 592.3810% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 2,772 |
| Noncurrent loans to loans | 0.2175% | 2,522 |
| Net loans and leases to total assets | 54.1000% | 3,090 |
| Net loans and leases to deposits | 59.2025% | 3,267 |
| Net loans and leases to core deposits | 60.6728% | 3,333 |
| Total domestic deposits to total assets | 91.3800% | 1,086 |
| Equity capital to assets | 5.3732% | 4,169 |
| Core capital (leverage) ratio | 10.9065% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0942% | 556 |
| Memoranda: | ||
| Average total assets | $179,939,000 | 3,211 |
| Average earning assets | $173,719,750 | 3,142 |
| Average equity | $13,880,000 | 3,527 |
| Average total loans | $93,431,500 | 3,251 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6200% | 1,774 |
| Cost of funding earning assets | 0.3605% | 1,189 |
| Net interest margin | 3.2594% | 2,031 |
| Noninterest income to average assets | 0.4470% | 2,472 |
| Noninterest expense to average assets | 1.9482% | 3,577 |
| Loan and lease loss provision to assets | 0.0055% | 2,506 |
| Net operating income to assets | 1.6568% | 479 |
| Return on assets (ROA) | 1.6568% | 473 |
| Pretax return on assets | 1.6568% | 832 |
| Return on Equity (ROE) | 19.5553% | 337 |
| Retained earnings to average equity (ytd only) | 9.7842% | 1,079 |
| Net charge-offs to loans | 0.0476% | 921 |
| Credit loss provision to net charge-offs | 22.7273% | 1,596 |
| Earnings coverage of net charge-offs (x) | 68.4545% | 1,016 |
| Efficiency ratio | 53.9590% | 3,970 |
| Assets per employee ($millions) | 5.8613% | 2,862 |
| Cash dividends to net income (ytd only)* | 49.9667% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 2,184 |
| Loan loss allowance to noncurrent loans | 621.0256% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 2,958 |
| Noncurrent loans to loans | 0.2097% | 2,665 |
| Net loans and leases to total assets | 50.5198% | 3,319 |
| Net loans and leases to deposits | 54.3649% | 3,514 |
| Net loans and leases to core deposits | 55.6489% | 3,594 |
| Total domestic deposits to total assets | 92.9273% | 533 |
| Equity capital to assets | 6.7518% | 3,909 |
| Core capital (leverage) ratio | 10.5522% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3880% | 512 |
| Memoranda: | ||
| Average total assets | $181,195,333 | 3,237 |
| Average earning assets | $175,858,000 | 3,163 |
| Average equity | $15,351,333 | 3,468 |
| Average total loans | $92,392,000 | 3,295 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5603% | 1,623 |
| Cost of funding earning assets | 0.3597% | 1,132 |
| Net interest margin | 3.2006% | 1,880 |
| Noninterest income to average assets | 0.4377% | 2,454 |
| Noninterest expense to average assets | 1.8481% | 3,820 |
| Loan and lease loss provision to assets | 0.0111% | 2,134 |
| Net operating income to assets | 1.6867% | 422 |
| Return on assets (ROA) | 1.6867% | 426 |
| Pretax return on assets | 1.6867% | 703 |
| Return on Equity (ROE) | 18.0667% | 331 |
| Retained earnings to average equity (ytd only) | 9.7792% | 1,078 |
| Net charge-offs to loans | 0.0174% | 1,183 |
| Credit loss provision to net charge-offs | 125.0000% | 914 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 440 |
| Efficiency ratio | 52.1197% | 4,192 |
| Assets per employee ($millions) | 6.3174% | 2,537 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 2,107 |
| Loan loss allowance to noncurrent loans | 501.6327% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 2,860 |
| Noncurrent loans to loans | 0.2696% | 2,508 |
| Net loans and leases to total assets | 48.9242% | 3,289 |
| Net loans and leases to deposits | 53.3635% | 3,465 |
| Net loans and leases to core deposits | 54.6304% | 3,552 |
| Total domestic deposits to total assets | 91.6809% | 706 |
| Equity capital to assets | 8.0872% | 3,501 |
| Core capital (leverage) ratio | 10.2257% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6433% | 511 |
| Memoranda: | ||
| Average total assets | $180,943,500 | 3,245 |
| Average earning assets | $175,715,000 | 3,178 |
| Average equity | $16,893,000 | 3,404 |
| Average total loans | $92,085,500 | 3,300 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 2,442 |
| Cost of funding earning assets | 0.4064% | 1,503 |
| Net interest margin | 3.1742% | 2,672 |
| Noninterest income to average assets | 0.7543% | 1,581 |
| Noninterest expense to average assets | 2.0521% | 3,526 |
| Loan and lease loss provision to assets | 0.0029% | 3,019 |
| Net operating income to assets | 1.7603% | 557 |
| Return on assets (ROA) | 1.7933% | 537 |
| Pretax return on assets | 1.7933% | 931 |
| Return on Equity (ROE) | 16.0798% | 745 |
| Retained earnings to average equity (ytd only) | 5.3876% | 2,624 |
| Net charge-offs to loans | 0.0380% | 1,492 |
| Credit loss provision to net charge-offs | 14.2857% | 2,289 |
| Earnings coverage of net charge-offs (x) | 87.0286% | 950 |
| Efficiency ratio | 53.7855% | 3,952 |
| Assets per employee ($millions) | 5.9561% | 2,824 |
| Cash dividends to net income (ytd only)* | 66.4945% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,287 |
| Loan loss allowance to noncurrent loans | 409.3333% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 2,754 |
| Noncurrent loans to loans | 0.3215% | 2,440 |
| Net loans and leases to total assets | 51.5343% | 3,117 |
| Net loans and leases to deposits | 58.4050% | 3,214 |
| Net loans and leases to core deposits | 59.8816% | 3,320 |
| Total domestic deposits to total assets | 88.2362% | 1,916 |
| Equity capital to assets | 10.6166% | 2,077 |
| Core capital (leverage) ratio | 10.2812% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8890% | 566 |
| Memoranda: | ||
| Average total assets | $172,753,000 | 3,275 |
| Average earning assets | $166,591,200 | 3,219 |
| Average equity | $19,266,400 | 3,278 |
| Average total loans | $92,052,000 | 3,307 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5985% | 2,567 |
| Cost of funding earning assets | 0.4116% | 1,613 |
| Net interest margin | 3.1869% | 2,769 |
| Noninterest income to average assets | 0.8454% | 1,392 |
| Noninterest expense to average assets | 1.8987% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0085% | 452 |
| Return on assets (ROA) | 2.0528% | 448 |
| Pretax return on assets | 2.0528% | 732 |
| Return on Equity (ROE) | 18.1790% | 607 |
| Retained earnings to average equity (ytd only) | 9.2170% | 1,611 |
| Net charge-offs to loans | 0.0451% | 1,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 83.2258% | 961 |
| Efficiency ratio | 48.5953% | 4,326 |
| Assets per employee ($millions) | 5.5140% | 3,183 |
| Cash dividends to net income (ytd only)* | 49.2984% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 2,170 |
| Loan loss allowance to noncurrent loans | 429.0210% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 3,035 |
| Noncurrent loans to loans | 0.3176% | 2,638 |
| Net loans and leases to total assets | 50.3352% | 3,371 |
| Net loans and leases to deposits | 56.8994% | 3,499 |
| Net loans and leases to core deposits | 58.4358% | 3,590 |
| Total domestic deposits to total assets | 88.4635% | 1,590 |
| Equity capital to assets | 11.1296% | 1,927 |
| Core capital (leverage) ratio | 10.5989% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1040% | 684 |
| Memoranda: | ||
| Average total assets | $171,270,500 | 3,320 |
| Average earning assets | $164,545,250 | 3,268 |
| Average equity | $19,340,500 | 3,307 |
| Average total loans | $91,737,250 | 3,353 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6019% | 2,614 |
| Cost of funding earning assets | 0.4166% | 1,751 |
| Net interest margin | 3.1853% | 2,795 |
| Noninterest income to average assets | 1.0546% | 987 |
| Noninterest expense to average assets | 1.7836% | 4,220 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.3286% | 273 |
| Return on assets (ROA) | 2.3286% | 291 |
| Pretax return on assets | 2.3286% | 461 |
| Return on Equity (ROE) | 20.5183% | 418 |
| Retained earnings to average equity (ytd only) | 12.2029% | 873 |
| Net charge-offs to loans | 0.0650% | 972 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 65.8000% | 928 |
| Efficiency ratio | 43.3735% | 4,649 |
| Assets per employee ($millions) | 5.4757% | 3,152 |
| Cash dividends to net income (ytd only)* | 40.5268% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 2,207 |
| Loan loss allowance to noncurrent loans | 324.0106% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 2,852 |
| Noncurrent loans to loans | 0.4157% | 2,436 |
| Net loans and leases to total assets | 51.3255% | 3,417 |
| Net loans and leases to deposits | 58.0370% | 3,542 |
| Net loans and leases to core deposits | 59.6226% | 3,645 |
| Total domestic deposits to total assets | 88.4357% | 1,599 |
| Equity capital to assets | 11.2144% | 1,823 |
| Core capital (leverage) ratio | 10.6261% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1358% | 476 |
| Memoranda: | ||
| Average total assets | $169,544,333 | 3,346 |
| Average earning assets | $162,746,333 | 3,286 |
| Average equity | $19,241,333 | 3,312 |
| Average total loans | $92,302,000 | 3,365 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 2,390 |
| Cost of funding earning assets | 0.4297% | 1,864 |
| Net interest margin | 3.2579% | 2,521 |
| Noninterest income to average assets | 1.0054% | 1,121 |
| Noninterest expense to average assets | 1.6052% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5290% | 253 |
| Return on assets (ROA) | 2.5290% | 275 |
| Pretax return on assets | 2.5290% | 417 |
| Return on Equity (ROE) | 22.1463% | 381 |
| Retained earnings to average equity (ytd only) | 15.8428% | 538 |
| Net charge-offs to loans | -0.0086% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8276% | 4,782 |
| Assets per employee ($millions) | 5.2612% | 3,373 |
| Cash dividends to net income (ytd only)* | 28.4630% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 2,137 |
| Loan loss allowance to noncurrent loans | 195.9565% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 2,317 |
| Noncurrent loans to loans | 0.6950% | 1,851 |
| Net loans and leases to total assets | 52.5616% | 3,388 |
| Net loans and leases to deposits | 59.2428% | 3,544 |
| Net loans and leases to core deposits | 60.7145% | 3,659 |
| Total domestic deposits to total assets | 88.7224% | 1,487 |
| Equity capital to assets | 10.9976% | 1,866 |
| Core capital (leverage) ratio | 10.8492% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9592% | 588 |
| Memoranda: | ||
| Average total assets | $166,706,000 | 3,370 |
| Average earning assets | $160,103,000 | 3,305 |
| Average equity | $19,037,000 | 3,326 |
| Average total loans | $92,872,500 | 3,366 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 1,693 |
| Cost of funding earning assets | 0.5159% | 2,843 |
| Net interest margin | 3.8440% | 1,376 |
| Noninterest income to average assets | 0.5215% | 2,540 |
| Noninterest expense to average assets | 2.3433% | 3,290 |
| Loan and lease loss provision to assets | 0.0099% | 4,234 |
| Net operating income to assets | 1.8615% | 344 |
| Return on assets (ROA) | 1.8980% | 343 |
| Pretax return on assets | 1.8980% | 553 |
| Return on Equity (ROE) | 15.5711% | 556 |
| Retained earnings to average equity (ytd only) | 5.3227% | 2,131 |
| Net charge-offs to loans | 0.0116% | 2,911 |
| Credit loss provision to net charge-offs | 136.3636% | 2,510 |
| Earnings coverage of net charge-offs (x) | 256.7273% | 392 |
| Efficiency ratio | 55.5975% | 4,033 |
| Assets per employee ($millions) | 5.1546% | 3,219 |
| Cash dividends to net income (ytd only)* | 65.8170% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 2,191 |
| Loan loss allowance to noncurrent loans | 282.0628% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 2,901 |
| Noncurrent loans to loans | 0.4784% | 2,535 |
| Net loans and leases to total assets | 57.5557% | 3,139 |
| Net loans and leases to deposits | 65.4800% | 3,322 |
| Net loans and leases to core deposits | 67.2630% | 3,457 |
| Total domestic deposits to total assets | 87.8981% | 1,526 |
| Equity capital to assets | 11.8779% | 1,634 |
| Core capital (leverage) ratio | 11.0348% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9836% | 504 |
| Memoranda: | ||
| Average total assets | $150,899,600 | 3,398 |
| Average earning assets | $144,980,200 | 3,325 |
| Average equity | $18,393,000 | 3,334 |
| Average total loans | $94,877,800 | 3,316 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 1,703 |
| Cost of funding earning assets | 0.5214% | 3,103 |
| Net interest margin | 3.9270% | 1,290 |
| Noninterest income to average assets | 0.5677% | 2,315 |
| Noninterest expense to average assets | 2.0438% | 4,062 |
| Loan and lease loss provision to assets | 0.0047% | 4,213 |
| Net operating income to assets | 2.2949% | 180 |
| Return on assets (ROA) | 2.3137% | 181 |
| Pretax return on assets | 2.3137% | 273 |
| Return on Equity (ROE) | 18.8527% | 302 |
| Retained earnings to average equity (ytd only) | 10.6321% | 647 |
| Net charge-offs to loans | -0.0756% | 4,772 |
| Credit loss provision to net charge-offs | -9.2593% | 3,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0576% | 4,660 |
| Assets per employee ($millions) | 4.7961% | 3,490 |
| Cash dividends to net income (ytd only)* | 43.6047% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 1,766 |
| Loan loss allowance to noncurrent loans | 174.1379% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 2,233 |
| Noncurrent loans to loans | 0.7995% | 1,822 |
| Net loans and leases to total assets | 60.5966% | 3,151 |
| Net loans and leases to deposits | 69.6285% | 3,342 |
| Net loans and leases to core deposits | 71.6239% | 3,509 |
| Total domestic deposits to total assets | 87.0284% | 1,658 |
| Equity capital to assets | 12.5259% | 1,410 |
| Core capital (leverage) ratio | 11.4664% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0729% | 667 |
| Memoranda: | ||
| Average total assets | $148,676,250 | 3,410 |
| Average earning assets | $142,937,000 | 3,333 |
| Average equity | $18,246,250 | 3,346 |
| Average total loans | $95,290,250 | 3,317 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5716% | 1,723 |
| Cost of funding earning assets | 0.5237% | 3,390 |
| Net interest margin | 4.0479% | 1,224 |
| Noninterest income to average assets | 0.6187% | 2,065 |
| Noninterest expense to average assets | 1.9242% | 4,374 |
| Loan and lease loss provision to assets | 0.0068% | 4,101 |
| Net operating income to assets | 2.5769% | 126 |
| Return on assets (ROA) | 2.6054% | 130 |
| Pretax return on assets | 2.6054% | 180 |
| Return on Equity (ROE) | 21.3835% | 187 |
| Retained earnings to average equity (ytd only) | 14.4082% | 251 |
| Net charge-offs to loans | -0.1715% | 4,921 |
| Credit loss provision to net charge-offs | -6.0976% | 3,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6848% | 4,841 |
| Assets per employee ($millions) | 5.0263% | 3,143 |
| Cash dividends to net income (ytd only)* | 32.6200% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,491 |
| Loan loss allowance to noncurrent loans | 186.2500% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 2,474 |
| Noncurrent loans to loans | 0.7663% | 1,966 |
| Net loans and leases to total assets | 59.4372% | 3,381 |
| Net loans and leases to deposits | 67.9382% | 3,569 |
| Net loans and leases to core deposits | 70.9943% | 3,644 |
| Total domestic deposits to total assets | 87.4871% | 1,421 |
| Equity capital to assets | 12.1400% | 1,576 |
| Core capital (leverage) ratio | 11.6956% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8092% | 795 |
| Memoranda: | ||
| Average total assets | $147,077,000 | 3,404 |
| Average earning assets | $141,308,333 | 3,333 |
| Average equity | $17,920,333 | 3,369 |
| Average total loans | $95,616,000 | 3,307 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7477% | 1,561 |
| Cost of funding earning assets | 0.5304% | 3,787 |
| Net interest margin | 4.2173% | 890 |
| Noninterest income to average assets | 0.5830% | 2,114 |
| Noninterest expense to average assets | 1.8331% | 4,627 |
| Loan and lease loss provision to assets | 0.0140% | 3,608 |
| Net operating income to assets | 2.8141% | 79 |
| Return on assets (ROA) | 2.8730% | 81 |
| Pretax return on assets | 2.8730% | 110 |
| Return on Equity (ROE) | 23.5328% | 89 |
| Retained earnings to average equity (ytd only) | 14.9232% | 199 |
| Net charge-offs to loans | -0.3069% | 4,981 |
| Credit loss provision to net charge-offs | -6.7568% | 3,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3265% | 4,989 |
| Assets per employee ($millions) | 4.6752% | 3,022 |
| Cash dividends to net income (ytd only)* | 36.5854% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 1,690 |
| Loan loss allowance to noncurrent loans | 101.5232% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 1,476 |
| Noncurrent loans to loans | 1.3811% | 1,164 |
| Net loans and leases to total assets | 64.6749% | 2,983 |
| Net loans and leases to deposits | 74.0325% | 3,271 |
| Net loans and leases to core deposits | 76.2666% | 3,478 |
| Total domestic deposits to total assets | 87.3602% | 1,398 |
| Equity capital to assets | 12.3604% | 1,824 |
| Core capital (leverage) ratio | 11.9673% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2983% | 1,100 |
| Memoranda: | ||
| Average total assets | $142,708,000 | 3,430 |
| Average earning assets | $138,003,500 | 3,339 |
| Average equity | $17,422,500 | 3,428 |
| Average total loans | $96,447,500 | 3,270 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8389% | 1,925 |
| Cost of funding earning assets | 0.5264% | 3,983 |
| Net interest margin | 4.3126% | 1,067 |
| Noninterest income to average assets | 0.5746% | 2,339 |
| Noninterest expense to average assets | 2.5074% | 3,431 |
| Loan and lease loss provision to assets | 0.0738% | 2,519 |
| Net operating income to assets | 2.1424% | 251 |
| Return on assets (ROA) | 2.1501% | 260 |
| Pretax return on assets | 2.1501% | 427 |
| Return on Equity (ROE) | 18.6266% | 295 |
| Retained earnings to average equity (ytd only) | 7.4458% | 1,189 |
| Net charge-offs to loans | 0.0452% | 2,479 |
| Credit loss provision to net charge-offs | 244.1860% | 1,109 |
| Earnings coverage of net charge-offs (x) | 73.2791% | 850 |
| Efficiency ratio | 53.0822% | 4,510 |
| Assets per employee ($millions) | 4.6828% | 2,967 |
| Cash dividends to net income (ytd only)* | 60.0262% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 2,021 |
| Loan loss allowance to noncurrent loans | 141.3754% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 1,989 |
| Noncurrent loans to loans | 0.9067% | 1,693 |
| Net loans and leases to total assets | 68.7433% | 2,576 |
| Net loans and leases to deposits | 79.1856% | 2,887 |
| Net loans and leases to core deposits | 81.7509% | 3,149 |
| Total domestic deposits to total assets | 86.8128% | 1,702 |
| Equity capital to assets | 12.0518% | 2,108 |
| Core capital (leverage) ratio | 11.5859% | 2,046 |
| Tier 1 risk-based capital ratio | 16.0210% | 2,401 |
| Total risk-based capital ratio | 17.2410% | 2,358 |
| Memoranda: | ||
| Average total assets | $142,180,200 | 3,406 |
| Average earning assets | $136,786,000 | 3,328 |
| Average equity | $16,412,000 | 3,510 |
| Average total loans | $95,224,000 | 3,292 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 2,112 |
| Cost of funding earning assets | 0.5172% | 4,077 |
| Net interest margin | 4.2847% | 1,190 |
| Noninterest income to average assets | 0.5685% | 2,363 |
| Noninterest expense to average assets | 2.0382% | 4,479 |
| Loan and lease loss provision to assets | 0.0280% | 3,345 |
| Net operating income to assets | 2.6151% | 140 |
| Return on assets (ROA) | 2.6235% | 144 |
| Pretax return on assets | 2.6235% | 197 |
| Return on Equity (ROE) | 22.9774% | 132 |
| Retained earnings to average equity (ytd only) | 13.7652% | 215 |
| Net charge-offs to loans | 0.0409% | 2,274 |
| Credit loss provision to net charge-offs | 103.4483% | 2,185 |
| Earnings coverage of net charge-offs (x) | 97.4719% | 768 |
| Efficiency ratio | 43.5390% | 5,031 |
| Assets per employee ($millions) | 4.5974% | 3,055 |
| Cash dividends to net income (ytd only)* | 40.0926% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,151 |
| Loan loss allowance to noncurrent loans | 134.4983% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 2,114 |
| Noncurrent loans to loans | 0.9398% | 1,712 |
| Net loans and leases to total assets | 65.3871% | 3,129 |
| Net loans and leases to deposits | 75.0610% | 3,376 |
| Net loans and leases to core deposits | 77.5457% | 3,586 |
| Total domestic deposits to total assets | 87.1119% | 1,461 |
| Equity capital to assets | 12.2384% | 2,086 |
| Core capital (leverage) ratio | 12.0009% | 1,850 |
| Tier 1 risk-based capital ratio | 16.9042% | 2,116 |
| Total risk-based capital ratio | 18.0956% | 2,081 |
| Memoranda: | ||
| Average total assets | $142,604,000 | 3,434 |
| Average earning assets | $136,887,500 | 3,364 |
| Average equity | $16,282,250 | 3,548 |
| Average total loans | $94,573,000 | 3,343 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7740% | 2,141 |
| Cost of funding earning assets | 0.5128% | 4,059 |
| Net interest margin | 4.2612% | 1,216 |
| Noninterest income to average assets | 0.5483% | 2,393 |
| Noninterest expense to average assets | 1.8874% | 4,769 |
| Loan and lease loss provision to assets | 0.0070% | 3,588 |
| Net operating income to assets | 2.7553% | 112 |
| Return on assets (ROA) | 2.7581% | 117 |
| Pretax return on assets | 2.7581% | 166 |
| Return on Equity (ROE) | 24.7489% | 99 |
| Retained earnings to average equity (ytd only) | 15.3123% | 156 |
| Net charge-offs to loans | -0.0042% | 4,082 |
| Credit loss provision to net charge-offs | -250.0000% | 4,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5911% | 5,149 |
| Assets per employee ($millions) | 4.5825% | 3,023 |
| Cash dividends to net income (ytd only)* | 38.1291% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,137 |
| Loan loss allowance to noncurrent loans | 145.8637% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6082% | 2,205 |
| Noncurrent loans to loans | 0.8705% | 1,858 |
| Net loans and leases to total assets | 65.6258% | 3,154 |
| Net loans and leases to deposits | 74.7968% | 3,447 |
| Net loans and leases to core deposits | 77.2583% | 3,628 |
| Total domestic deposits to total assets | 87.7387% | 1,229 |
| Equity capital to assets | 11.8635% | 2,294 |
| Core capital (leverage) ratio | 11.5317% | 2,133 |
| Tier 1 risk-based capital ratio | 16.4231% | 2,272 |
| Total risk-based capital ratio | 17.6191% | 2,221 |
| Memoranda: | ||
| Average total assets | $142,632,330 | 3,450 |
| Average earning assets | $137,284,000 | 3,372 |
| Average equity | $15,895,670 | 3,593 |
| Average total loans | $94,636,670 | 3,360 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 2,410 |
| Cost of funding earning assets | 0.5023% | 4,053 |
| Net interest margin | 4.1403% | 1,449 |
| Noninterest income to average assets | 0.5122% | 2,481 |
| Noninterest expense to average assets | 1.8220% | 4,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.6812% | 125 |
| Return on assets (ROA) | 2.6812% | 135 |
| Pretax return on assets | 2.6812% | 187 |
| Return on Equity (ROE) | 24.8557% | 101 |
| Retained earnings to average equity (ytd only) | 15.1262% | 272 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4599% | 5,201 |
| Assets per employee ($millions) | 4.6225% | 3,012 |
| Cash dividends to net income (ytd only)* | 39.1441% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,199 |
| Loan loss allowance to noncurrent loans | 113.2004% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7523% | 1,870 |
| Noncurrent loans to loans | 1.1286% | 1,479 |
| Net loans and leases to total assets | 64.2816% | 3,248 |
| Net loans and leases to deposits | 72.5362% | 3,564 |
| Net loans and leases to core deposits | 74.8752% | 3,743 |
| Total domestic deposits to total assets | 88.6201% | 1,028 |
| Equity capital to assets | 11.0743% | 2,776 |
| Core capital (leverage) ratio | 11.0178% | 2,559 |
| Tier 1 risk-based capital ratio | 15.6157% | 2,606 |
| Total risk-based capital ratio | 16.7916% | 2,550 |
| Memoranda: | ||
| Average total assets | $142,920,000 | 3,490 |
| Average earning assets | $137,768,000 | 3,398 |
| Average equity | $15,417,000 | 3,654 |
| Average total loans | $94,742,500 | 3,394 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4958% | 2,471 |
| Cost of funding earning assets | 0.4627% | 3,595 |
| Net interest margin | 4.0332% | 1,876 |
| Noninterest income to average assets | 0.5494% | 2,547 |
| Noninterest expense to average assets | 2.4601% | 3,729 |
| Loan and lease loss provision to assets | 0.3491% | 441 |
| Net operating income to assets | 1.6074% | 854 |
| Return on assets (ROA) | 1.5467% | 995 |
| Pretax return on assets | 1.5467% | 1,636 |
| Return on Equity (ROE) | 14.8090% | 870 |
| Retained earnings to average equity (ytd only) | 4.9498% | 2,793 |
| Net charge-offs to loans | 0.2841% | 680 |
| Credit loss provision to net charge-offs | 184.0149% | 1,540 |
| Earnings coverage of net charge-offs (x) | 10.3123% | 2,731 |
| Efficiency ratio | 55.7011% | 4,446 |
| Assets per employee ($millions) | 4.5982% | 3,021 |
| Cash dividends to net income (ytd only)* | 66.5755% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,355 |
| Loan loss allowance to noncurrent loans | 117.9031% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 1,895 |
| Noncurrent loans to loans | 1.0512% | 1,553 |
| Net loans and leases to total assets | 66.6377% | 3,047 |
| Net loans and leases to deposits | 74.7466% | 3,442 |
| Net loans and leases to core deposits | 76.9445% | 3,648 |
| Total domestic deposits to total assets | 89.1514% | 800 |
| Equity capital to assets | 10.4985% | 3,192 |
| Core capital (leverage) ratio | 10.8550% | 2,673 |
| Tier 1 risk-based capital ratio | 15.1112% | 2,780 |
| Total risk-based capital ratio | 16.2927% | 2,741 |
| Memoranda: | ||
| Average total assets | $141,783,800 | 3,478 |
| Average earning assets | $135,948,200 | 3,411 |
| Average equity | $14,808,600 | 3,660 |
| Average total loans | $94,686,400 | 3,394 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4737% | 2,385 |
| Cost of funding earning assets | 0.4512% | 3,516 |
| Net interest margin | 4.0225% | 1,886 |
| Noninterest income to average assets | 0.5273% | 2,699 |
| Noninterest expense to average assets | 1.9925% | 4,756 |
| Loan and lease loss provision to assets | 0.4190% | 304 |
| Net operating income to assets | 1.9690% | 413 |
| Return on assets (ROA) | 1.9784% | 400 |
| Pretax return on assets | 1.9784% | 658 |
| Return on Equity (ROE) | 18.9665% | 342 |
| Retained earnings to average equity (ytd only) | 10.3905% | 796 |
| Net charge-offs to loans | 0.2573% | 651 |
| Credit loss provision to net charge-offs | 244.5055% | 1,200 |
| Earnings coverage of net charge-offs (x) | 13.9341% | 2,317 |
| Efficiency ratio | 45.4858% | 5,166 |
| Assets per employee ($millions) | 4.8180% | 2,702 |
| Cash dividends to net income (ytd only)* | 45.2168% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,170 |
| Loan loss allowance to noncurrent loans | 91.7164% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.9591% | 1,522 |
| Noncurrent loans to loans | 1.4004% | 1,187 |
| Net loans and leases to total assets | 67.6047% | 3,000 |
| Net loans and leases to deposits | 76.1574% | 3,404 |
| Net loans and leases to core deposits | 78.4594% | 3,627 |
| Total domestic deposits to total assets | 88.7698% | 925 |
| Equity capital to assets | 10.7922% | 2,849 |
| Core capital (leverage) ratio | 11.2387% | 2,387 |
| Tier 1 risk-based capital ratio | 15.6215% | 2,594 |
| Total risk-based capital ratio | 16.8472% | 2,543 |
| Memoranda: | ||
| Average total assets | $141,593,750 | 3,520 |
| Average earning assets | $135,634,750 | 3,455 |
| Average equity | $14,769,500 | 3,691 |
| Average total loans | $94,313,000 | 3,427 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4007% | 2,409 |
| Cost of funding earning assets | 0.4424% | 3,407 |
| Net interest margin | 3.9583% | 2,007 |
| Noninterest income to average assets | 0.5105% | 2,798 |
| Noninterest expense to average assets | 1.8366% | 5,053 |
| Loan and lease loss provision to assets | 0.5836% | 178 |
| Net operating income to assets | 1.8901% | 478 |
| Return on assets (ROA) | 1.8957% | 470 |
| Pretax return on assets | 1.8957% | 782 |
| Return on Equity (ROE) | 18.3822% | 382 |
| Retained earnings to average equity (ytd only) | 10.8821% | 693 |
| Net charge-offs to loans | 0.3537% | 447 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 10.5964% | 2,322 |
| Efficiency ratio | 42.6101% | 5,324 |
| Assets per employee ($millions) | 4.6558% | 2,878 |
| Cash dividends to net income (ytd only)* | 40.8012% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 2,264 |
| Loan loss allowance to noncurrent loans | 149.8150% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 2,487 |
| Noncurrent loans to loans | 0.8550% | 2,012 |
| Net loans and leases to total assets | 67.0416% | 3,006 |
| Net loans and leases to deposits | 75.3246% | 3,409 |
| Net loans and leases to core deposits | 77.5825% | 3,610 |
| Total domestic deposits to total assets | 89.0036% | 935 |
| Equity capital to assets | 10.6298% | 2,995 |
| Core capital (leverage) ratio | 10.7555% | 2,748 |
| Tier 1 risk-based capital ratio | 15.4315% | 2,671 |
| Total risk-based capital ratio | 16.6561% | 2,613 |
| Memoranda: | ||
| Average total assets | $142,218,000 | 3,544 |
| Average earning assets | $136,524,330 | 3,467 |
| Average equity | $14,666,330 | 3,722 |
| Average total loans | $93,855,000 | 3,447 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 2,565 |
| Cost of funding earning assets | 0.4381% | 3,305 |
| Net interest margin | 3.8505% | 2,223 |
| Noninterest income to average assets | 0.4795% | 2,940 |
| Noninterest expense to average assets | 1.6475% | 5,294 |
| Loan and lease loss provision to assets | 0.1673% | 1,067 |
| Net operating income to assets | 2.3639% | 183 |
| Return on assets (ROA) | 2.3611% | 186 |
| Pretax return on assets | 2.3611% | 283 |
| Return on Equity (ROE) | 23.2437% | 124 |
| Retained earnings to average equity (ytd only) | 16.3831% | 227 |
| Net charge-offs to loans | 0.3685% | 426 |
| Credit loss provision to net charge-offs | 69.7674% | 1,830 |
| Earnings coverage of net charge-offs (x) | 10.5581% | 1,894 |
| Efficiency ratio | 39.4263% | 5,471 |
| Assets per employee ($millions) | 4.9759% | 2,518 |
| Cash dividends to net income (ytd only)* | 29.5159% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,919 |
| Loan loss allowance to noncurrent loans | 87.6866% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 2,093 |
| Noncurrent loans to loans | 1.1468% | 1,591 |
| Net loans and leases to total assets | 64.1275% | 3,285 |
| Net loans and leases to deposits | 71.6306% | 3,651 |
| Net loans and leases to core deposits | 74.9692% | 3,744 |
| Total domestic deposits to total assets | 89.5253% | 876 |
| Equity capital to assets | 10.1933% | 3,402 |
| Core capital (leverage) ratio | 10.4345% | 3,026 |
| Tier 1 risk-based capital ratio | 15.7077% | 2,585 |
| Total risk-based capital ratio | 16.6849% | 2,619 |
| Memoranda: | ||
| Average total assets | $143,490,500 | 3,555 |
| Average earning assets | $137,853,500 | 3,479 |
| Average equity | $14,576,000 | 3,761 |
| Average total loans | $93,355,500 | 3,478 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 2,492 |
| Cost of funding earning assets | 0.4677% | 2,620 |
| Net interest margin | 3.7828% | 2,491 |
| Noninterest income to average assets | 0.5253% | 2,847 |
| Noninterest expense to average assets | 2.5623% | 3,572 |
| Loan and lease loss provision to assets | 0.1576% | 1,425 |
| Net operating income to assets | 1.3918% | 1,040 |
| Return on assets (ROA) | 1.3491% | 1,138 |
| Pretax return on assets | 1.3491% | 2,174 |
| Return on Equity (ROE) | 13.1987% | 907 |
| Retained earnings to average equity (ytd only) | 2.8508% | 3,606 |
| Net charge-offs to loans | 0.3126% | 811 |
| Credit loss provision to net charge-offs | 78.9474% | 2,957 |
| Earnings coverage of net charge-offs (x) | 7.7614% | 2,998 |
| Efficiency ratio | 62.3169% | 3,892 |
| Assets per employee ($millions) | 4.4588% | 3,256 |
| Cash dividends to net income (ytd only)* | 78.4008% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,705 |
| Loan loss allowance to noncurrent loans | 105.5738% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 2,406 |
| Noncurrent loans to loans | 0.9814% | 1,806 |
| Net loans and leases to total assets | 64.6680% | 3,274 |
| Net loans and leases to deposits | 72.1043% | 3,692 |
| Net loans and leases to core deposits | 75.4899% | 3,777 |
| Total domestic deposits to total assets | 89.6868% | 691 |
| Equity capital to assets | 10.1226% | 3,570 |
| Core capital (leverage) ratio | 10.0932% | 3,332 |
| Tier 1 risk-based capital ratio | 14.8270% | 2,912 |
| Total risk-based capital ratio | 15.8139% | 2,981 |
| Memoranda: | ||
| Average total assets | $142,763,000 | 3,571 |
| Average earning assets | $135,350,000 | 3,517 |
| Average equity | $14,592,400 | 3,770 |
| Average total loans | $91,174,200 | 3,503 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2090% | 2,579 |
| Cost of funding earning assets | 0.4667% | 2,550 |
| Net interest margin | 3.7423% | 2,603 |
| Noninterest income to average assets | 0.5248% | 2,870 |
| Noninterest expense to average assets | 2.1645% | 4,604 |
| Loan and lease loss provision to assets | 0.1466% | 1,434 |
| Net operating income to assets | 1.7555% | 513 |
| Return on assets (ROA) | 1.6995% | 593 |
| Pretax return on assets | 1.6995% | 1,128 |
| Return on Equity (ROE) | 16.5868% | 474 |
| Retained earnings to average equity (ytd only) | 7.3820% | 1,505 |
| Net charge-offs to loans | 0.2765% | 781 |
| Credit loss provision to net charge-offs | 83.5106% | 2,532 |
| Earnings coverage of net charge-offs (x) | 10.8351% | 2,552 |
| Efficiency ratio | 53.2262% | 4,990 |
| Assets per employee ($millions) | 4.5036% | 3,137 |
| Cash dividends to net income (ytd only)* | 55.4943% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,712 |
| Loan loss allowance to noncurrent loans | 96.2282% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 2,357 |
| Noncurrent loans to loans | 1.1051% | 1,740 |
| Net loans and leases to total assets | 64.2355% | 3,359 |
| Net loans and leases to deposits | 72.1125% | 3,758 |
| Net loans and leases to core deposits | 75.1355% | 3,877 |
| Total domestic deposits to total assets | 89.0768% | 846 |
| Equity capital to assets | 10.5305% | 3,343 |
| Core capital (leverage) ratio | 10.4021% | 3,082 |
| Tier 1 risk-based capital ratio | 15.3076% | 2,790 |
| Total risk-based capital ratio | 16.3293% | 2,814 |
| Memoranda: | ||
| Average total assets | $142,783,500 | 3,605 |
| Average earning assets | $135,136,000 | 3,552 |
| Average equity | $14,629,750 | 3,799 |
| Average total loans | $90,659,000 | 3,547 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1666% | 2,599 |
| Cost of funding earning assets | 0.4712% | 2,403 |
| Net interest margin | 3.6954% | 2,674 |
| Noninterest income to average assets | 0.5199% | 2,899 |
| Noninterest expense to average assets | 1.9657% | 5,046 |
| Loan and lease loss provision to assets | 0.2080% | 864 |
| Net operating income to assets | 1.8393% | 421 |
| Return on assets (ROA) | 1.7479% | 516 |
| Pretax return on assets | 1.7479% | 953 |
| Return on Equity (ROE) | 17.2208% | 396 |
| Retained earnings to average equity (ytd only) | 7.3922% | 1,402 |
| Net charge-offs to loans | 0.3992% | 512 |
| Credit loss provision to net charge-offs | 82.6816% | 2,228 |
| Earnings coverage of net charge-offs (x) | 8.1397% | 2,533 |
| Efficiency ratio | 48.9846% | 5,357 |
| Assets per employee ($millions) | 4.6141% | 2,921 |
| Cash dividends to net income (ytd only)* | 57.0740% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 3,597 |
| Loan loss allowance to noncurrent loans | 87.3573% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 2,215 |
| Noncurrent loans to loans | 1.2561% | 1,536 |
| Net loans and leases to total assets | 62.6966% | 3,550 |
| Net loans and leases to deposits | 70.2689% | 3,893 |
| Net loans and leases to core deposits | 73.0478% | 4,017 |
| Total domestic deposits to total assets | 89.2238% | 844 |
| Equity capital to assets | 10.4392% | 3,419 |
| Core capital (leverage) ratio | 10.2509% | 3,201 |
| Tier 1 risk-based capital ratio | 15.5709% | 2,679 |
| Total risk-based capital ratio | 16.6298% | 2,700 |
| Memoranda: | ||
| Average total assets | $142,339,670 | 3,627 |
| Average earning assets | $134,544,670 | 3,580 |
| Average equity | $14,447,670 | 3,829 |
| Average total loans | $89,689,330 | 3,582 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1518% | 2,466 |
| Cost of funding earning assets | 0.4793% | 2,251 |
| Net interest margin | 3.6725% | 2,592 |
| Noninterest income to average assets | 0.5127% | 2,893 |
| Noninterest expense to average assets | 1.8424% | 5,316 |
| Loan and lease loss provision to assets | 0.0563% | 2,679 |
| Net operating income to assets | 2.0677% | 274 |
| Return on assets (ROA) | 2.0677% | 284 |
| Pretax return on assets | 2.0677% | 445 |
| Return on Equity (ROE) | 20.6681% | 203 |
| Retained earnings to average equity (ytd only) | 10.5311% | 694 |
| Net charge-offs to loans | 0.0942% | 1,416 |
| Credit loss provision to net charge-offs | 95.2381% | 1,648 |
| Earnings coverage of net charge-offs (x) | 35.9048% | 1,109 |
| Efficiency ratio | 46.4489% | 5,513 |
| Assets per employee ($millions) | 4.6598% | 2,909 |
| Cash dividends to net income (ytd only)* | 49.0463% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 3,403 |
| Loan loss allowance to noncurrent loans | 49.7573% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.4413% | 1,144 |
| Noncurrent loans to loans | 2.3156% | 704 |
| Net loans and leases to total assets | 60.8740% | 3,686 |
| Net loans and leases to deposits | 67.8349% | 4,007 |
| Net loans and leases to core deposits | 70.6260% | 4,098 |
| Total domestic deposits to total assets | 89.7386% | 778 |
| Equity capital to assets | 9.9997% | 3,757 |
| Core capital (leverage) ratio | 10.1450% | 3,318 |
| Tier 1 risk-based capital ratio | 14.8932% | 3,016 |
| Total risk-based capital ratio | 15.9481% | 3,041 |
| Memoranda: | ||
| Average total assets | $141,990,500 | 3,666 |
| Average earning assets | $133,533,500 | 3,635 |
| Average equity | $14,205,500 | 3,890 |
| Average total loans | $89,196,500 | 3,613 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 2,393 |
| Cost of funding earning assets | 0.5404% | 1,787 |
| Net interest margin | 3.6881% | 2,751 |
| Noninterest income to average assets | 0.5805% | 2,758 |
| Noninterest expense to average assets | 2.4328% | 4,202 |
| Loan and lease loss provision to assets | 0.3784% | 428 |
| Net operating income to assets | 1.2406% | 1,376 |
| Return on assets (ROA) | 1.2847% | 1,322 |
| Pretax return on assets | 1.2847% | 2,336 |
| Return on Equity (ROE) | 12.6650% | 1,076 |
| Retained earnings to average equity (ytd only) | 4.9510% | 2,380 |
| Net charge-offs to loans | 0.5507% | 434 |
| Credit loss provision to net charge-offs | 107.9108% | 2,429 |
| Earnings coverage of net charge-offs (x) | 4.6166% | 3,472 |
| Efficiency ratio | 60.0421% | 4,579 |
| Assets per employee ($millions) | 4.6509% | 2,875 |
| Cash dividends to net income (ytd only)* | 60.9081% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 3,449 |
| Loan loss allowance to noncurrent loans | 52.4272% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 1.4191% | 1,202 |
| Noncurrent loans to loans | 2.1882% | 783 |
| Net loans and leases to total assets | 63.3619% | 3,431 |
| Net loans and leases to deposits | 70.5534% | 3,851 |
| Net loans and leases to core deposits | 72.9425% | 4,015 |
| Total domestic deposits to total assets | 89.8070% | 720 |
| Equity capital to assets | 10.0095% | 3,717 |
| Core capital (leverage) ratio | 10.0437% | 3,433 |
| Tier 1 risk-based capital ratio | 14.6484% | 3,123 |
| Total risk-based capital ratio | 15.7145% | 3,139 |
| Memoranda: | ||
| Average total assets | $140,580,400 | 3,662 |
| Average earning assets | $132,318,800 | 3,612 |
| Average equity | $14,259,800 | 3,912 |
| Average total loans | $89,517,200 | 3,585 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 2,426 |
| Cost of funding earning assets | 0.5482% | 1,716 |
| Net interest margin | 3.6798% | 2,790 |
| Noninterest income to average assets | 0.5699% | 2,816 |
| Noninterest expense to average assets | 2.1584% | 4,872 |
| Loan and lease loss provision to assets | 0.4800% | 267 |
| Net operating income to assets | 1.3887% | 1,091 |
| Return on assets (ROA) | 1.4427% | 1,033 |
| Pretax return on assets | 1.4427% | 1,908 |
| Return on Equity (ROE) | 14.1765% | 787 |
| Retained earnings to average equity (ytd only) | 8.5952% | 942 |
| Net charge-offs to loans | 0.5986% | 346 |
| Credit loss provision to net charge-offs | 126.1194% | 2,010 |
| Earnings coverage of net charge-offs (x) | 4.9104% | 3,200 |
| Efficiency ratio | 53.5966% | 5,267 |
| Assets per employee ($millions) | 4.6664% | 2,809 |
| Cash dividends to net income (ytd only)* | 39.3701% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 3,215 |
| Loan loss allowance to noncurrent loans | 40.1618% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 2.0308% | 767 |
| Noncurrent loans to loans | 2.9978% | 498 |
| Net loans and leases to total assets | 64.0101% | 3,401 |
| Net loans and leases to deposits | 71.9306% | 3,815 |
| Net loans and leases to core deposits | 75.1174% | 3,907 |
| Total domestic deposits to total assets | 88.9887% | 913 |
| Equity capital to assets | 10.6270% | 3,430 |
| Core capital (leverage) ratio | 10.1352% | 3,397 |
| Tier 1 risk-based capital ratio | 14.5594% | 3,259 |
| Total risk-based capital ratio | 15.6700% | 3,256 |
| Memoranda: | ||
| Average total assets | $140,843,750 | 3,678 |
| Average earning assets | $132,321,000 | 3,630 |
| Average equity | $14,333,250 | 3,933 |
| Average total loans | $89,538,250 | 3,604 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 2,652 |
| Cost of funding earning assets | 0.5572% | 1,643 |
| Net interest margin | 3.5998% | 3,100 |
| Noninterest income to average assets | 0.5527% | 2,888 |
| Noninterest expense to average assets | 1.9840% | 5,301 |
| Loan and lease loss provision to assets | 0.5966% | 187 |
| Net operating income to assets | 1.3321% | 1,204 |
| Return on assets (ROA) | 1.3831% | 1,156 |
| Pretax return on assets | 1.3831% | 2,087 |
| Return on Equity (ROE) | 13.7931% | 870 |
| Retained earnings to average equity (ytd only) | 8.1402% | 1,132 |
| Net charge-offs to loans | 0.7695% | 263 |
| Credit loss provision to net charge-offs | 122.7405% | 1,832 |
| Earnings coverage of net charge-offs (x) | 3.9679% | 3,038 |
| Efficiency ratio | 50.7063% | 5,523 |
| Assets per employee ($millions) | 4.6682% | 2,769 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 3,391 |
| Loan loss allowance to noncurrent loans | 39.6648% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 2.0058% | 820 |
| Noncurrent loans to loans | 3.0151% | 493 |
| Net loans and leases to total assets | 62.8279% | 3,525 |
| Net loans and leases to deposits | 70.4174% | 3,947 |
| Net loans and leases to core deposits | 73.5218% | 4,027 |
| Total domestic deposits to total assets | 89.2221% | 799 |
| Equity capital to assets | 10.4573% | 3,684 |
| Core capital (leverage) ratio | 9.8670% | 3,724 |
| Tier 1 risk-based capital ratio | 14.3701% | 3,393 |
| Total risk-based capital ratio | 15.4658% | 3,410 |
| Memoranda: | ||
| Average total assets | $141,127,670 | 3,694 |
| Average earning assets | $131,728,000 | 3,664 |
| Average equity | $14,152,000 | 3,977 |
| Average total loans | $89,150,670 | 3,630 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 2,221 |
| Cost of funding earning assets | 0.5716% | 1,532 |
| Net interest margin | 3.7034% | 2,659 |
| Noninterest income to average assets | 0.5449% | 2,840 |
| Noninterest expense to average assets | 1.8804% | 5,549 |
| Loan and lease loss provision to assets | 0.6071% | 177 |
| Net operating income to assets | 1.4965% | 859 |
| Return on assets (ROA) | 1.5473% | 822 |
| Pretax return on assets | 1.5473% | 1,445 |
| Return on Equity (ROE) | 15.7635% | 562 |
| Retained earnings to average equity (ytd only) | 8.5721% | 1,237 |
| Net charge-offs to loans | 0.6996% | 304 |
| Credit loss provision to net charge-offs | 137.8205% | 1,324 |
| Earnings coverage of net charge-offs (x) | 4.7756% | 2,394 |
| Efficiency ratio | 47.2006% | 5,763 |
| Assets per employee ($millions) | 4.8050% | 2,579 |
| Cash dividends to net income (ytd only)* | 45.6204% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 3,638 |
| Loan loss allowance to noncurrent loans | 35.9821% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 2.0721% | 823 |
| Noncurrent loans to loans | 3.2628% | 453 |
| Net loans and leases to total assets | 61.0822% | 3,640 |
| Net loans and leases to deposits | 67.9173% | 4,068 |
| Net loans and leases to core deposits | 70.7980% | 4,177 |
| Total domestic deposits to total assets | 89.9362% | 626 |
| Equity capital to assets | 9.8182% | 4,317 |
| Core capital (leverage) ratio | 9.6760% | 3,940 |
| Tier 1 risk-based capital ratio | 14.5334% | 3,377 |
| Total risk-based capital ratio | 15.6438% | 3,382 |
| Memoranda: | ||
| Average total assets | $141,668,500 | 3,707 |
| Average earning assets | $131,554,500 | 3,693 |
| Average equity | $13,905,500 | 4,017 |
| Average total loans | $89,199,500 | 3,636 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 1,794 |
| Cost of funding earning assets | 0.5977% | 1,370 |
| Net interest margin | 3.8359% | 2,256 |
| Noninterest income to average assets | 0.5918% | 2,760 |
| Noninterest expense to average assets | 2.3925% | 4,529 |
| Loan and lease loss provision to assets | 0.0544% | 3,229 |
| Net operating income to assets | 1.7195% | 554 |
| Return on assets (ROA) | 1.6970% | 597 |
| Pretax return on assets | 1.6970% | 1,000 |
| Return on Equity (ROE) | 17.2137% | 436 |
| Retained earnings to average equity (ytd only) | 5.3701% | 2,157 |
| Net charge-offs to loans | 0.1353% | 2,003 |
| Credit loss provision to net charge-offs | 61.4754% | 3,247 |
| Earnings coverage of net charge-offs (x) | 20.0492% | 1,903 |
| Efficiency ratio | 57.4238% | 5,206 |
| Assets per employee ($millions) | 4.6396% | 2,829 |
| Cash dividends to net income (ytd only)* | 68.8034% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 4,025 |
| Loan loss allowance to noncurrent loans | 40.0081% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 1,076 |
| Noncurrent loans to loans | 2.7625% | 628 |
| Net loans and leases to total assets | 63.4513% | 3,352 |
| Net loans and leases to deposits | 70.5045% | 3,867 |
| Net loans and leases to core deposits | 73.5997% | 3,979 |
| Total domestic deposits to total assets | 89.9962% | 635 |
| Equity capital to assets | 9.8127% | 4,179 |
| Core capital (leverage) ratio | 9.5572% | 4,093 |
| Tier 1 risk-based capital ratio | 14.2166% | 3,600 |
| Total risk-based capital ratio | 15.2643% | 3,631 |
| Memoranda: | ||
| Average total assets | $137,890,600 | 3,754 |
| Average earning assets | $128,496,200 | 3,732 |
| Average equity | $13,593,800 | 4,039 |
| Average total loans | $90,147,600 | 3,589 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 1,807 |
| Cost of funding earning assets | 0.6023% | 1,393 |
| Net interest margin | 3.8296% | 2,271 |
| Noninterest income to average assets | 0.6019% | 2,729 |
| Noninterest expense to average assets | 2.0673% | 5,351 |
| Loan and lease loss provision to assets | 0.0407% | 3,393 |
| Net operating income to assets | 2.0557% | 332 |
| Return on assets (ROA) | 2.0256% | 369 |
| Pretax return on assets | 2.0256% | 572 |
| Return on Equity (ROE) | 20.5233% | 244 |
| Retained earnings to average equity (ytd only) | 10.6053% | 535 |
| Net charge-offs to loans | 0.0325% | 3,273 |
| Credit loss provision to net charge-offs | 190.9091% | 1,387 |
| Earnings coverage of net charge-offs (x) | 98.3270% | 636 |
| Efficiency ratio | 49.6508% | 5,798 |
| Assets per employee ($millions) | 4.4364% | 3,116 |
| Cash dividends to net income (ytd only)* | 48.3252% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,879 |
| Loan loss allowance to noncurrent loans | 34.5914% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 2.2156% | 851 |
| Noncurrent loans to loans | 3.3509% | 484 |
| Net loans and leases to total assets | 65.3530% | 3,100 |
| Net loans and leases to deposits | 73.0822% | 3,639 |
| Net loans and leases to core deposits | 76.2085% | 3,781 |
| Total domestic deposits to total assets | 89.4239% | 809 |
| Equity capital to assets | 10.2053% | 3,927 |
| Core capital (leverage) ratio | 9.8373% | 3,849 |
| Tier 1 risk-based capital ratio | 14.4049% | 3,625 |
| Total risk-based capital ratio | 15.5098% | 3,627 |
| Memoranda: | ||
| Average total assets | $137,566,500 | 3,792 |
| Average earning assets | $127,947,250 | 3,776 |
| Average equity | $13,577,750 | 4,083 |
| Average total loans | $90,358,750 | 3,617 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 1,616 |
| Cost of funding earning assets | 0.6047% | 1,376 |
| Net interest margin | 3.8718% | 2,071 |
| Noninterest income to average assets | 0.6091% | 2,683 |
| Noninterest expense to average assets | 1.8578% | 5,771 |
| Loan and lease loss provision to assets | 0.0087% | 3,939 |
| Net operating income to assets | 2.3259% | 216 |
| Return on assets (ROA) | 2.2431% | 254 |
| Pretax return on assets | 2.2431% | 388 |
| Return on Equity (ROE) | 22.9864% | 160 |
| Retained earnings to average equity (ytd only) | 13.3032% | 281 |
| Net charge-offs to loans | 0.0111% | 3,521 |
| Credit loss provision to net charge-offs | 120.0000% | 1,806 |
| Earnings coverage of net charge-offs (x) | 321.2000% | 214 |
| Efficiency ratio | 44.3135% | 6,101 |
| Assets per employee ($millions) | 4.4571% | 3,053 |
| Cash dividends to net income (ytd only)* | 42.1257% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 4,191 |
| Loan loss allowance to noncurrent loans | 160.4651% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 4,065 |
| Noncurrent loans to loans | 0.7026% | 3,380 |
| Net loans and leases to total assets | 65.6944% | 3,008 |
| Net loans and leases to deposits | 73.2229% | 3,590 |
| Net loans and leases to core deposits | 76.0110% | 3,765 |
| Total domestic deposits to total assets | 89.7185% | 778 |
| Equity capital to assets | 9.9711% | 4,073 |
| Core capital (leverage) ratio | 9.6337% | 4,094 |
| Tier 1 risk-based capital ratio | 14.2248% | 3,802 |
| Total risk-based capital ratio | 15.3111% | 3,830 |
| Memoranda: | ||
| Average total assets | $137,579,670 | 3,829 |
| Average earning assets | $127,331,330 | 3,817 |
| Average equity | $13,425,330 | 4,134 |
| Average total loans | $90,167,670 | 3,636 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 1,416 |
| Cost of funding earning assets | 0.6101% | 1,366 |
| Net interest margin | 3.9065% | 1,873 |
| Noninterest income to average assets | 0.5274% | 3,107 |
| Noninterest expense to average assets | 1.7948% | 5,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.2960% | 201 |
| Return on assets (ROA) | 2.2960% | 214 |
| Pretax return on assets | 2.2960% | 328 |
| Return on Equity (ROE) | 23.7896% | 131 |
| Retained earnings to average equity (ytd only) | 14.7326% | 308 |
| Net charge-offs to loans | -0.0179% | 4,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8746% | 6,183 |
| Assets per employee ($millions) | 5.0274% | 2,319 |
| Cash dividends to net income (ytd only)* | 38.0711% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 4,188 |
| Loan loss allowance to noncurrent loans | 157.7508% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 4,157 |
| Noncurrent loans to loans | 0.7368% | 3,421 |
| Net loans and leases to total assets | 62.7055% | 3,265 |
| Net loans and leases to deposits | 69.5840% | 3,794 |
| Net loans and leases to core deposits | 72.1704% | 3,945 |
| Total domestic deposits to total assets | 90.1148% | 692 |
| Equity capital to assets | 9.6501% | 4,578 |
| Core capital (leverage) ratio | 9.4079% | 4,416 |
| Tier 1 risk-based capital ratio | 14.0928% | 3,945 |
| Total risk-based capital ratio | 15.2053% | 3,975 |
| Memoranda: | ||
| Average total assets | $137,284,500 | 3,856 |
| Average earning assets | $125,227,000 | 3,888 |
| Average equity | $13,249,500 | 4,192 |
| Average total loans | $89,349,000 | 3,662 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 1,164 |
| Cost of funding earning assets | 0.6213% | 1,601 |
| Net interest margin | 4.1522% | 1,423 |
| Noninterest income to average assets | 0.6025% | 2,843 |
| Noninterest expense to average assets | 2.5261% | 4,463 |
| Loan and lease loss provision to assets | 0.1229% | 2,132 |
| Net operating income to assets | 1.8320% | 448 |
| Return on assets (ROA) | 1.8534% | 440 |
| Pretax return on assets | 1.8534% | 708 |
| Return on Equity (ROE) | 19.6646% | 274 |
| Retained earnings to average equity (ytd only) | 6.4981% | 1,638 |
| Net charge-offs to loans | 0.2141% | 1,953 |
| Credit loss provision to net charge-offs | 84.2932% | 2,778 |
| Earnings coverage of net charge-offs (x) | 13.4031% | 2,268 |
| Efficiency ratio | 56.3736% | 5,633 |
| Assets per employee ($millions) | 4.4601% | 3,095 |
| Cash dividends to net income (ytd only)* | 66.9551% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 4,242 |
| Loan loss allowance to noncurrent loans | 141.8381% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 3,989 |
| Noncurrent loans to loans | 0.8155% | 3,279 |
| Net loans and leases to total assets | 66.0359% | 2,875 |
| Net loans and leases to deposits | 73.2380% | 3,522 |
| Net loans and leases to core deposits | 75.9690% | 3,713 |
| Total domestic deposits to total assets | 90.1661% | 664 |
| Equity capital to assets | 9.6522% | 4,530 |
| Core capital (leverage) ratio | 9.4875% | 4,259 |
| Tier 1 risk-based capital ratio | 13.3679% | 4,486 |
| Total risk-based capital ratio | 14.4596% | 4,504 |
| Memoranda: | ||
| Average total assets | $130,952,000 | 3,956 |
| Average earning assets | $122,320,400 | 3,912 |
| Average equity | $12,342,000 | 4,293 |
| Average total loans | $89,197,000 | 3,649 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 1,228 |
| Cost of funding earning assets | 0.6187% | 1,687 |
| Net interest margin | 4.1139% | 1,533 |
| Noninterest income to average assets | 0.5805% | 2,985 |
| Noninterest expense to average assets | 2.3116% | 5,078 |
| Loan and lease loss provision to assets | 0.1577% | 1,581 |
| Net operating income to assets | 1.9707% | 358 |
| Return on assets (ROA) | 1.9993% | 358 |
| Pretax return on assets | 1.9993% | 570 |
| Return on Equity (ROE) | 21.3459% | 216 |
| Retained earnings to average equity (ytd only) | 9.0499% | 985 |
| Net charge-offs to loans | 0.2916% | 1,347 |
| Credit loss provision to net charge-offs | 78.9744% | 2,615 |
| Earnings coverage of net charge-offs (x) | 10.6617% | 2,517 |
| Efficiency ratio | 52.0636% | 5,987 |
| Assets per employee ($millions) | 4.3538% | 3,201 |
| Cash dividends to net income (ytd only)* | 57.6037% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 4,558 |
| Loan loss allowance to noncurrent loans | 179.1594% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 4,605 |
| Noncurrent loans to loans | 0.6365% | 4,024 |
| Net loans and leases to total assets | 67.9031% | 2,551 |
| Net loans and leases to deposits | 75.5499% | 3,235 |
| Net loans and leases to core deposits | 77.9352% | 3,543 |
| Total domestic deposits to total assets | 89.8786% | 794 |
| Equity capital to assets | 9.7463% | 4,486 |
| Core capital (leverage) ratio | 9.6989% | 4,078 |
| Tier 1 risk-based capital ratio | 13.7498% | 4,387 |
| Total risk-based capital ratio | 14.8584% | 4,417 |
| Memoranda: | ||
| Average total assets | $130,239,250 | 4,000 |
| Average earning assets | $122,185,250 | 3,944 |
| Average equity | $12,198,750 | 4,343 |
| Average total loans | $89,148,250 | 3,680 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7391% | 1,200 |
| Cost of funding earning assets | 0.6230% | 1,706 |
| Net interest margin | 4.1160% | 1,459 |
| Noninterest income to average assets | 0.5549% | 3,081 |
| Noninterest expense to average assets | 2.1274% | 5,566 |
| Loan and lease loss provision to assets | 0.1568% | 1,579 |
| Net operating income to assets | 2.1397% | 257 |
| Return on assets (ROA) | 2.1658% | 256 |
| Pretax return on assets | 2.1658% | 393 |
| Return on Equity (ROE) | 23.4410% | 154 |
| Retained earnings to average equity (ytd only) | 11.7954% | 447 |
| Net charge-offs to loans | 0.3799% | 1,067 |
| Credit loss provision to net charge-offs | 60.3550% | 2,631 |
| Earnings coverage of net charge-offs (x) | 8.8402% | 2,436 |
| Efficiency ratio | 48.0890% | 6,286 |
| Assets per employee ($millions) | 4.3866% | 3,108 |
| Cash dividends to net income (ytd only)* | 49.6806% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 4,925 |
| Loan loss allowance to noncurrent loans | 83.5708% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 3,278 |
| Noncurrent loans to loans | 1.3120% | 2,617 |
| Net loans and leases to total assets | 68.3399% | 2,364 |
| Net loans and leases to deposits | 75.9520% | 3,066 |
| Net loans and leases to core deposits | 79.3489% | 3,279 |
| Total domestic deposits to total assets | 89.9778% | 822 |
| Equity capital to assets | 9.5685% | 4,669 |
| Core capital (leverage) ratio | 9.6345% | 4,131 |
| Tier 1 risk-based capital ratio | 13.4756% | 4,599 |
| Total risk-based capital ratio | 14.5446% | 4,665 |
| Memoranda: | ||
| Average total assets | $130,114,330 | 4,028 |
| Average earning assets | $122,302,670 | 3,964 |
| Average equity | $12,021,670 | 4,394 |
| Average total loans | $88,959,670 | 3,693 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8017% | 1,040 |
| Cost of funding earning assets | 0.6336% | 1,703 |
| Net interest margin | 4.1681% | 1,302 |
| Noninterest income to average assets | 0.5844% | 2,834 |
| Noninterest expense to average assets | 2.0623% | 5,757 |
| Loan and lease loss provision to assets | 0.0124% | 3,668 |
| Net operating income to assets | 2.4147% | 168 |
| Return on assets (ROA) | 2.4920% | 153 |
| Pretax return on assets | 2.4920% | 224 |
| Return on Equity (ROE) | 27.4699% | 87 |
| Retained earnings to average equity (ytd only) | 16.3933% | 251 |
| Net charge-offs to loans | 0.0182% | 3,222 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 196.2500% | 245 |
| Efficiency ratio | 45.9366% | 6,430 |
| Assets per employee ($millions) | 4.4086% | 3,137 |
| Cash dividends to net income (ytd only)* | 40.3226% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 4,631 |
| Loan loss allowance to noncurrent loans | 148.1894% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.5693% | 4,439 |
| Noncurrent loans to loans | 0.8105% | 3,852 |
| Net loans and leases to total assets | 66.1729% | 2,539 |
| Net loans and leases to deposits | 73.1721% | 3,171 |
| Net loans and leases to core deposits | 76.4425% | 3,364 |
| Total domestic deposits to total assets | 90.4346% | 838 |
| Equity capital to assets | 9.1805% | 4,890 |
| Core capital (leverage) ratio | 9.3923% | 4,431 |
| Tier 1 risk-based capital ratio | 13.4934% | 4,682 |
| Total risk-based capital ratio | 14.6569% | 4,693 |
| Memoranda: | ||
| Average total assets | $129,372,500 | 4,083 |
| Average earning assets | $121,206,000 | 4,020 |
| Average equity | $11,736,500 | 4,466 |
| Average total loans | $87,974,000 | 3,750 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 1,082 |
| Cost of funding earning assets | 0.7012% | 1,805 |
| Net interest margin | 4.2071% | 1,331 |
| Noninterest income to average assets | 0.5767% | 3,233 |
| Noninterest expense to average assets | 2.6722% | 4,205 |
| Loan and lease loss provision to assets | 0.2193% | 1,664 |
| Net operating income to assets | 1.6047% | 686 |
| Return on assets (ROA) | 1.6158% | 684 |
| Pretax return on assets | 1.6158% | 1,129 |
| Return on Equity (ROE) | 17.5984% | 444 |
| Retained earnings to average equity (ytd only) | 7.2869% | 1,322 |
| Net charge-offs to loans | 0.2320% | 2,599 |
| Credit loss provision to net charge-offs | 136.9458% | 1,710 |
| Earnings coverage of net charge-offs (x) | 11.3892% | 2,247 |
| Efficiency ratio | 59.4315% | 5,551 |
| Assets per employee ($millions) | 4.3616% | 3,155 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 4,550 |
| Loan loss allowance to noncurrent loans | 130.2326% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 4,161 |
| Noncurrent loans to loans | 0.9352% | 3,650 |
| Net loans and leases to total assets | 68.2291% | 2,314 |
| Net loans and leases to deposits | 75.1044% | 3,081 |
| Net loans and leases to core deposits | 78.6707% | 3,281 |
| Total domestic deposits to total assets | 90.8457% | 641 |
| Equity capital to assets | 8.9582% | 5,089 |
| Core capital (leverage) ratio | 9.2508% | 4,632 |
| Tier 1 risk-based capital ratio | 13.2474% | 4,825 |
| Total risk-based capital ratio | 14.4361% | 4,796 |
| Memoranda: | ||
| Average total assets | $126,751,600 | 4,132 |
| Average earning assets | $118,086,600 | 4,084 |
| Average equity | $11,637,400 | 4,522 |
| Average total loans | $87,516,800 | 3,749 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8561% | 1,224 |
| Cost of funding earning assets | 0.7021% | 1,931 |
| Net interest margin | 4.1540% | 1,470 |
| Noninterest income to average assets | 0.5825% | 3,261 |
| Noninterest expense to average assets | 2.3718% | 5,112 |
| Loan and lease loss provision to assets | 0.1262% | 2,720 |
| Net operating income to assets | 1.9534% | 399 |
| Return on assets (ROA) | 1.9681% | 394 |
| Pretax return on assets | 1.9681% | 617 |
| Return on Equity (ROE) | 21.3073% | 233 |
| Retained earnings to average equity (ytd only) | 12.7707% | 356 |
| Net charge-offs to loans | 0.0183% | 4,764 |
| Credit loss provision to net charge-offs | 1,000.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 164.8294% | 336 |
| Efficiency ratio | 53.2829% | 6,163 |
| Assets per employee ($millions) | 4.4086% | 3,037 |
| Cash dividends to net income (ytd only)* | 40.0643% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 4,720 |
| Loan loss allowance to noncurrent loans | 111.9388% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 4,062 |
| Noncurrent loans to loans | 1.1021% | 3,589 |
| Net loans and leases to total assets | 68.6943% | 2,202 |
| Net loans and leases to deposits | 77.2360% | 2,786 |
| Net loans and leases to core deposits | 80.6333% | 3,055 |
| Total domestic deposits to total assets | 88.9409% | 1,588 |
| Equity capital to assets | 8.9934% | 5,200 |
| Core capital (leverage) ratio | 9.6049% | 4,237 |
| Tier 1 risk-based capital ratio | 13.2866% | 4,913 |
| Total risk-based capital ratio | 14.4495% | 4,927 |
| Memoranda: | ||
| Average total assets | $126,817,750 | 4,183 |
| Average earning assets | $118,116,000 | 4,125 |
| Average equity | $11,714,000 | 4,554 |
| Average total loans | $87,554,750 | 3,772 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 1,255 |
| Cost of funding earning assets | 0.7138% | 1,971 |
| Net interest margin | 4.1212% | 1,487 |
| Noninterest income to average assets | 0.5756% | 3,348 |
| Noninterest expense to average assets | 2.2582% | 5,480 |
| Loan and lease loss provision to assets | 0.1471% | 2,492 |
| Net operating income to assets | 2.0052% | 355 |
| Return on assets (ROA) | 2.0257% | 364 |
| Pretax return on assets | 2.0257% | 576 |
| Return on Equity (ROE) | 21.7377% | 216 |
| Retained earnings to average equity (ytd only) | 14.5257% | 270 |
| Net charge-offs to loans | -0.0138% | 5,847 |
| Credit loss provision to net charge-offs | -1,550.0000% | 6,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2011% | 6,337 |
| Assets per employee ($millions) | 4.4959% | 2,821 |
| Cash dividends to net income (ytd only)* | 33.1772% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 4,777 |
| Loan loss allowance to noncurrent loans | 87.8837% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.2003% | 3,342 |
| Noncurrent loans to loans | 1.4128% | 3,177 |
| Net loans and leases to total assets | 68.7447% | 2,102 |
| Net loans and leases to deposits | 76.7661% | 2,760 |
| Net loans and leases to core deposits | 80.1957% | 3,003 |
| Total domestic deposits to total assets | 89.5509% | 1,293 |
| Equity capital to assets | 9.3187% | 4,834 |
| Core capital (leverage) ratio | 9.2876% | 4,562 |
| Tier 1 risk-based capital ratio | 13.2550% | 4,955 |
| Total risk-based capital ratio | 14.4702% | 4,918 |
| Memoranda: | ||
| Average total assets | $126,474,000 | 4,215 |
| Average earning assets | $117,683,670 | 4,165 |
| Average equity | $11,786,000 | 4,572 |
| Average total loans | $87,099,000 | 3,789 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8621% | 1,176 |
| Cost of funding earning assets | 0.7343% | 1,966 |
| Net interest margin | 4.1278% | 1,383 |
| Noninterest income to average assets | 0.5333% | 3,547 |
| Noninterest expense to average assets | 2.4044% | 5,107 |
| Loan and lease loss provision to assets | 0.1830% | 2,016 |
| Net operating income to assets | 1.7418% | 530 |
| Return on assets (ROA) | 1.7418% | 587 |
| Pretax return on assets | 1.7418% | 990 |
| Return on Equity (ROE) | 18.6905% | 385 |
| Retained earnings to average equity (ytd only) | 12.7651% | 586 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5394% | 6,106 |
| Assets per employee ($millions) | 4.6226% | 2,769 |
| Cash dividends to net income (ytd only)* | 31.7029% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 5,156 |
| Loan loss allowance to noncurrent loans | 61.1565% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 1.6534% | 2,793 |
| Noncurrent loans to loans | 1.9721% | 2,647 |
| Net loans and leases to total assets | 66.2629% | 2,322 |
| Net loans and leases to deposits | 73.2542% | 3,012 |
| Net loans and leases to core deposits | 76.3804% | 3,264 |
| Total domestic deposits to total assets | 90.4561% | 791 |
| Equity capital to assets | 9.2836% | 5,153 |
| Core capital (leverage) ratio | 8.9233% | 5,021 |
| Tier 1 risk-based capital ratio | 12.7561% | 5,397 |
| Total risk-based capital ratio | 13.9287% | 5,396 |
| Memoranda: | ||
| Average total assets | $126,768,000 | 4,249 |
| Average earning assets | $116,575,000 | 4,228 |
| Average equity | $11,813,500 | 4,612 |
| Average total loans | $86,834,500 | 3,817 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2795% | 968 |
| Cost of funding earning assets | 0.8734% | 2,105 |
| Net interest margin | 4.4061% | 1,150 |
| Noninterest income to average assets | 0.5962% | 3,300 |
| Noninterest expense to average assets | 2.4793% | 5,164 |
| Loan and lease loss provision to assets | 0.4531% | 1,388 |
| Net operating income to assets | 1.7540% | 553 |
| Return on assets (ROA) | 1.8033% | 569 |
| Pretax return on assets | 1.8033% | 914 |
| Return on Equity (ROE) | 19.4847% | 324 |
| Retained earnings to average equity (ytd only) | 9.9334% | 607 |
| Net charge-offs to loans | 0.7174% | 1,644 |
| Credit loss provision to net charge-offs | 89.4481% | 3,502 |
| Earnings coverage of net charge-offs (x) | 4.3571% | 3,398 |
| Efficiency ratio | 52.9040% | 6,382 |
| Assets per employee ($millions) | 4.4323% | 3,084 |
| Cash dividends to net income (ytd only)* | 49.0196% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 5,389 |
| Loan loss allowance to noncurrent loans | 69.3548% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.5181% | 3,100 |
| Noncurrent loans to loans | 1.6418% | 3,161 |
| Net loans and leases to total assets | 69.1901% | 1,997 |
| Net loans and leases to deposits | 76.6006% | 2,702 |
| Net loans and leases to core deposits | 79.6776% | 3,052 |
| Total domestic deposits to total assets | 90.3258% | 785 |
| Equity capital to assets | 9.3559% | 5,064 |
| Core capital (leverage) ratio | 8.9464% | 4,975 |
| Tier 1 risk-based capital ratio | 12.5206% | 5,459 |
| Total risk-based capital ratio | 13.6451% | 5,497 |
| Memoranda: | ||
| Average total assets | $121,607,200 | 4,323 |
| Average earning assets | $112,889,000 | 4,276 |
| Average equity | $11,255,000 | 4,712 |
| Average total loans | $85,867,000 | 3,851 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3489% | 925 |
| Cost of funding earning assets | 0.9137% | 2,082 |
| Net interest margin | 4.4352% | 1,125 |
| Noninterest income to average assets | 0.5929% | 3,328 |
| Noninterest expense to average assets | 2.4003% | 5,399 |
| Loan and lease loss provision to assets | 0.3560% | 1,832 |
| Net operating income to assets | 1.9506% | 410 |
| Return on assets (ROA) | 2.0168% | 422 |
| Pretax return on assets | 2.0168% | 682 |
| Return on Equity (ROE) | 21.8515% | 245 |
| Retained earnings to average equity (ytd only) | 14.0900% | 293 |
| Net charge-offs to loans | -0.0202% | 6,500 |
| Credit loss provision to net charge-offs | -2,484.6154% | 6,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9951% | 6,519 |
| Assets per employee ($millions) | 4.1772% | 3,521 |
| Cash dividends to net income (ytd only)* | 35.5193% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 3,458 |
| Loan loss allowance to noncurrent loans | 52.1380% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 2.7662% | 1,902 |
| Noncurrent loans to loans | 3.0997% | 1,795 |
| Net loans and leases to total assets | 69.8520% | 1,935 |
| Net loans and leases to deposits | 77.7489% | 2,696 |
| Net loans and leases to core deposits | 80.7054% | 3,120 |
| Total domestic deposits to total assets | 89.8431% | 933 |
| Equity capital to assets | 9.7491% | 4,855 |
| Core capital (leverage) ratio | 9.1093% | 4,902 |
| Tier 1 risk-based capital ratio | 12.5924% | 5,572 |
| Total risk-based capital ratio | 13.8465% | 5,528 |
| Memoranda: | ||
| Average total assets | $120,983,250 | 4,376 |
| Average earning assets | $112,219,750 | 4,338 |
| Average equity | $11,166,000 | 4,773 |
| Average total loans | $85,619,750 | 3,898 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3833% | 901 |
| Cost of funding earning assets | 0.9085% | 2,329 |
| Net interest margin | 4.4748% | 1,038 |
| Noninterest income to average assets | 0.5623% | 3,509 |
| Noninterest expense to average assets | 2.3021% | 5,729 |
| Loan and lease loss provision to assets | 0.5342% | 1,163 |
| Net operating income to assets | 1.8721% | 491 |
| Return on assets (ROA) | 1.9714% | 475 |
| Pretax return on assets | 1.9714% | 727 |
| Return on Equity (ROE) | 21.7690% | 258 |
| Retained earnings to average equity (ytd only) | 15.3771% | 259 |
| Net charge-offs to loans | 0.6644% | 1,656 |
| Credit loss provision to net charge-offs | 113.7324% | 2,400 |
| Earnings coverage of net charge-offs (x) | 5.1232% | 2,901 |
| Efficiency ratio | 48.8936% | 6,719 |
| Assets per employee ($millions) | 4.1583% | 3,550 |
| Cash dividends to net income (ytd only)* | 29.3624% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 5,039 |
| Loan loss allowance to noncurrent loans | 42.6953% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 2.7258% | 2,022 |
| Noncurrent loans to loans | 2.9741% | 1,998 |
| Net loans and leases to total assets | 70.4727% | 1,828 |
| Net loans and leases to deposits | 79.5818% | 2,440 |
| Net loans and leases to core deposits | 83.1732% | 2,805 |
| Total domestic deposits to total assets | 88.5538% | 1,785 |
| Equity capital to assets | 9.4328% | 5,153 |
| Core capital (leverage) ratio | 8.8307% | 5,166 |
| Tier 1 risk-based capital ratio | 12.4281% | 5,627 |
| Total risk-based capital ratio | 13.6783% | 5,598 |
| Memoranda: | ||
| Average total assets | $120,931,330 | 4,399 |
| Average earning assets | $112,050,330 | 4,364 |
| Average equity | $10,951,330 | 4,820 |
| Average total loans | $85,490,330 | 3,926 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4445% | 842 |
| Cost of funding earning assets | 0.9205% | 2,514 |
| Net interest margin | 4.5240% | 967 |
| Noninterest income to average assets | 0.6044% | 3,205 |
| Noninterest expense to average assets | 1.9917% | 6,477 |
| Loan and lease loss provision to assets | 0.4393% | 1,425 |
| Net operating income to assets | 2.3616% | 220 |
| Return on assets (ROA) | 2.3914% | 256 |
| Pretax return on assets | 2.3914% | 397 |
| Return on Equity (ROE) | 26.9659% | 140 |
| Retained earnings to average equity (ytd only) | 21.3790% | 149 |
| Net charge-offs to loans | 0.2488% | 2,681 |
| Credit loss provision to net charge-offs | 250.9434% | 1,137 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,391 |
| Efficiency ratio | 41.5575% | 7,067 |
| Assets per employee ($millions) | 4.2809% | 3,434 |
| Cash dividends to net income (ytd only)* | 20.7182% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 4,885 |
| Loan loss allowance to noncurrent loans | 29.8893% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 3.5185% | 1,629 |
| Noncurrent loans to loans | 4.4511% | 1,322 |
| Net loans and leases to total assets | 67.7458% | 2,157 |
| Net loans and leases to deposits | 75.9704% | 2,798 |
| Net loans and leases to core deposits | 80.0562% | 3,063 |
| Total domestic deposits to total assets | 89.1739% | 1,585 |
| Equity capital to assets | 8.9468% | 5,574 |
| Core capital (leverage) ratio | 8.6737% | 5,344 |
| Tier 1 risk-based capital ratio | 12.1346% | 5,877 |
| Total risk-based capital ratio | 13.3853% | 5,854 |
| Memoranda: | ||
| Average total assets | $121,102,000 | 4,430 |
| Average earning assets | $112,113,000 | 4,381 |
| Average equity | $10,739,500 | 4,875 |
| Average total loans | $85,197,500 | 3,969 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3758% | 1,479 |
| Cost of funding earning assets | 1.0991% | 2,681 |
| Net interest margin | 4.2767% | 1,779 |
| Noninterest income to average assets | 0.6184% | 3,070 |
| Noninterest expense to average assets | 2.6171% | 5,027 |
| Loan and lease loss provision to assets | 0.6566% | 1,548 |
| Net operating income to assets | 1.4168% | 991 |
| Return on assets (ROA) | 1.4168% | 1,069 |
| Pretax return on assets | 1.4168% | 1,728 |
| Return on Equity (ROE) | 16.5871% | 523 |
| Retained earnings to average equity (ytd only) | 7.9853% | 1,084 |
| Net charge-offs to loans | 1.3055% | 1,263 |
| Credit loss provision to net charge-offs | 68.5284% | 4,906 |
| Earnings coverage of net charge-offs (x) | 2.1640% | 4,162 |
| Efficiency ratio | 55.7950% | 6,336 |
| Assets per employee ($millions) | 4.0710% | 3,707 |
| Cash dividends to net income (ytd only)* | 51.8585% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 5,235 |
| Loan loss allowance to noncurrent loans | 38.3691% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 2.7961% | 2,165 |
| Noncurrent loans to loans | 3.2258% | 2,004 |
| Net loans and leases to total assets | 71.2390% | 1,781 |
| Net loans and leases to deposits | 79.7913% | 2,559 |
| Net loans and leases to core deposits | 84.4367% | 2,829 |
| Total domestic deposits to total assets | 89.2816% | 1,378 |
| Equity capital to assets | 8.7854% | 5,811 |
| Core capital (leverage) ratio | 8.2582% | 5,915 |
| Tier 1 risk-based capital ratio | 11.7039% | 6,023 |
| Total risk-based capital ratio | 12.9507% | 6,010 |
| Memoranda: | ||
| Average total assets | $117,727,600 | 4,465 |
| Average earning assets | $112,095,400 | 4,333 |
| Average equity | $10,056,000 | 4,997 |
| Average total loans | $86,405,200 | 3,952 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4162% | 1,466 |
| Cost of funding earning assets | 1.1358% | 2,731 |
| Net interest margin | 4.2804% | 1,789 |
| Noninterest income to average assets | 0.6188% | 3,059 |
| Noninterest expense to average assets | 2.4661% | 5,570 |
| Loan and lease loss provision to assets | 0.2391% | 3,617 |
| Net operating income to assets | 1.9924% | 346 |
| Return on assets (ROA) | 1.9924% | 380 |
| Pretax return on assets | 1.9924% | 636 |
| Return on Equity (ROE) | 23.4934% | 176 |
| Retained earnings to average equity (ytd only) | 16.7447% | 156 |
| Net charge-offs to loans | 0.2583% | 3,816 |
| Credit loss provision to net charge-offs | 125.5952% | 2,554 |
| Earnings coverage of net charge-offs (x) | 11.7205% | 1,785 |
| Efficiency ratio | 52.4970% | 6,636 |
| Assets per employee ($millions) | 4.1156% | 3,608 |
| Cash dividends to net income (ytd only)* | 28.7260% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7016% | 3,263 |
| Loan loss allowance to noncurrent loans | 39.0743% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 3.8014% | 1,631 |
| Noncurrent loans to loans | 4.3547% | 1,496 |
| Net loans and leases to total assets | 70.2803% | 2,029 |
| Net loans and leases to deposits | 79.1129% | 2,795 |
| Net loans and leases to core deposits | 84.5174% | 2,981 |
| Total domestic deposits to total assets | 88.8355% | 1,526 |
| Equity capital to assets | 9.0933% | 5,646 |
| Core capital (leverage) ratio | 8.7002% | 5,410 |
| Tier 1 risk-based capital ratio | 12.1519% | 5,778 |
| Total risk-based capital ratio | 13.4076% | 5,767 |
| Memoranda: | ||
| Average total assets | $117,644,750 | 4,487 |
| Average earning assets | $112,105,750 | 4,357 |
| Average equity | $9,977,000 | 5,037 |
| Average total loans | $86,717,000 | 3,981 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4072% | 1,542 |
| Cost of funding earning assets | 1.1755% | 2,738 |
| Net interest margin | 4.2316% | 1,911 |
| Noninterest income to average assets | 0.6150% | 3,038 |
| Noninterest expense to average assets | 2.4207% | 5,780 |
| Loan and lease loss provision to assets | 0.1947% | 3,985 |
| Net operating income to assets | 2.0397% | 326 |
| Return on assets (ROA) | 2.0397% | 339 |
| Pretax return on assets | 2.0397% | 549 |
| Return on Equity (ROE) | 24.6567% | 149 |
| Retained earnings to average equity (ytd only) | 19.4941% | 104 |
| Net charge-offs to loans | 0.1766% | 4,107 |
| Credit loss provision to net charge-offs | 148.0519% | 2,063 |
| Earnings coverage of net charge-offs (x) | 16.9870% | 1,314 |
| Efficiency ratio | 52.0000% | 6,785 |
| Assets per employee ($millions) | 4.2433% | 3,270 |
| Cash dividends to net income (ytd only)* | 20.9380% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6740% | 3,405 |
| Loan loss allowance to noncurrent loans | 66.0274% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 2.3457% | 2,808 |
| Noncurrent loans to loans | 2.5353% | 2,853 |
| Net loans and leases to total assets | 71.4875% | 1,886 |
| Net loans and leases to deposits | 80.0677% | 2,782 |
| Net loans and leases to core deposits | 85.1009% | 3,057 |
| Total domestic deposits to total assets | 89.2838% | 1,370 |
| Equity capital to assets | 8.6692% | 5,977 |
| Core capital (leverage) ratio | 8.4369% | 5,649 |
| Tier 1 risk-based capital ratio | 11.7518% | 5,973 |
| Total risk-based capital ratio | 13.0070% | 5,965 |
| Memoranda: | ||
| Average total assets | $117,075,670 | 4,536 |
| Average earning assets | $111,777,670 | 4,392 |
| Average equity | $9,685,000 | 5,129 |
| Average total loans | $87,178,330 | 4,010 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3979% | 1,561 |
| Cost of funding earning assets | 1.2235% | 2,663 |
| Net interest margin | 4.1744% | 1,984 |
| Noninterest income to average assets | 0.5886% | 3,248 |
| Noninterest expense to average assets | 2.1685% | 6,490 |
| Loan and lease loss provision to assets | 0.1101% | 4,638 |
| Net operating income to assets | 2.3028% | 229 |
| Return on assets (ROA) | 2.3028% | 241 |
| Pretax return on assets | 2.3028% | 344 |
| Return on Equity (ROE) | 28.5364% | 101 |
| Retained earnings to average equity (ytd only) | 24.2709% | 111 |
| Net charge-offs to loans | 0.0822% | 4,126 |
| Credit loss provision to net charge-offs | 177.7778% | 1,647 |
| Earnings coverage of net charge-offs (x) | 38.9444% | 698 |
| Efficiency ratio | 47.3328% | 7,140 |
| Assets per employee ($millions) | 4.2699% | 3,298 |
| Cash dividends to net income (ytd only)* | 14.9477% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 3,532 |
| Loan loss allowance to noncurrent loans | 57.5182% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 2.3495% | 2,897 |
| Noncurrent loans to loans | 2.8668% | 2,628 |
| Net loans and leases to total assets | 70.9904% | 1,928 |
| Net loans and leases to deposits | 78.9636% | 2,900 |
| Net loans and leases to core deposits | 83.6725% | 3,211 |
| Total domestic deposits to total assets | 89.9027% | 1,206 |
| Equity capital to assets | 8.1066% | 6,384 |
| Core capital (leverage) ratio | 8.3084% | 5,791 |
| Tier 1 risk-based capital ratio | 11.1047% | 6,432 |
| Total risk-based capital ratio | 12.3600% | 6,401 |
| Memoranda: | ||
| Average total assets | $116,208,000 | 4,583 |
| Average earning assets | $111,155,000 | 4,432 |
| Average equity | $9,377,500 | 5,211 |
| Average total loans | $87,577,000 | 4,030 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9648% | 916 |
| Cost of funding earning assets | 1.5613% | 2,295 |
| Net interest margin | 4.4035% | 1,458 |
| Noninterest income to average assets | 0.6427% | 3,193 |
| Noninterest expense to average assets | 2.7528% | 4,774 |
| Loan and lease loss provision to assets | 0.7037% | 2,329 |
| Net operating income to assets | 1.3769% | 993 |
| Return on assets (ROA) | 1.3769% | 1,062 |
| Pretax return on assets | 1.3769% | 1,719 |
| Return on Equity (ROE) | 16.0454% | 579 |
| Retained earnings to average equity (ytd only) | 4.7458% | 2,581 |
| Net charge-offs to loans | 0.3032% | 4,499 |
| Credit loss provision to net charge-offs | 293.0769% | 918 |
| Earnings coverage of net charge-offs (x) | 8.6654% | 1,941 |
| Efficiency ratio | 56.9545% | 6,466 |
| Assets per employee ($millions) | 4.0307% | 3,719 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 3,636 |
| Loan loss allowance to noncurrent loans | 68.8998% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.8350% | 3,582 |
| Noncurrent loans to loans | 2.3015% | 3,220 |
| Net loans and leases to total assets | 77.4843% | 1,019 |
| Net loans and leases to deposits | 86.2262% | 2,053 |
| Net loans and leases to core deposits | 91.9267% | 2,509 |
| Total domestic deposits to total assets | 89.8617% | 1,181 |
| Equity capital to assets | 8.0304% | 6,467 |
| Core capital (leverage) ratio | 7.9513% | 6,267 |
| Tier 1 risk-based capital ratio | 10.3954% | 6,763 |
| Total risk-based capital ratio | 11.6475% | 6,749 |
| Memoranda: | ||
| Average total assets | $108,288,600 | 4,762 |
| Average earning assets | $103,055,000 | 4,638 |
| Average equity | $9,292,400 | 5,329 |
| Average total loans | $85,761,200 | 4,158 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0229% | 891 |
| Cost of funding earning assets | 1.6076% | 2,346 |
| Net interest margin | 4.4153% | 1,482 |
| Noninterest income to average assets | 0.6334% | 3,232 |
| Noninterest expense to average assets | 2.5348% | 5,584 |
| Loan and lease loss provision to assets | 0.1991% | 5,060 |
| Net operating income to assets | 2.0930% | 290 |
| Return on assets (ROA) | 2.0930% | 312 |
| Pretax return on assets | 2.0930% | 513 |
| Return on Equity (ROE) | 23.9858% | 139 |
| Retained earnings to average equity (ytd only) | 13.2906% | 320 |
| Net charge-offs to loans | 0.1271% | 5,284 |
| Credit loss provision to net charge-offs | 197.5309% | 1,810 |
| Earnings coverage of net charge-offs (x) | 22.7402% | 1,082 |
| Efficiency ratio | 52.5135% | 6,932 |
| Assets per employee ($millions) | 4.0954% | 3,644 |
| Cash dividends to net income (ytd only)* | 44.5900% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 5,896 |
| Loan loss allowance to noncurrent loans | 88.6691% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.0057% | 5,076 |
| Noncurrent loans to loans | 1.2527% | 4,761 |
| Net loans and leases to total assets | 79.3850% | 841 |
| Net loans and leases to deposits | 90.2808% | 1,689 |
| Net loans and leases to core deposits | 96.6644% | 2,186 |
| Total domestic deposits to total assets | 87.9313% | 2,002 |
| Equity capital to assets | 8.8935% | 5,709 |
| Core capital (leverage) ratio | 8.5260% | 5,461 |
| Tier 1 risk-based capital ratio | 11.0196% | 6,364 |
| Total risk-based capital ratio | 12.1536% | 6,442 |
| Memoranda: | ||
| Average total assets | $107,146,000 | 4,860 |
| Average earning assets | $101,764,250 | 4,733 |
| Average equity | $9,349,750 | 5,393 |
| Average total loans | $84,987,250 | 4,255 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9912% | 968 |
| Cost of funding earning assets | 1.6303% | 2,481 |
| Net interest margin | 4.3609% | 1,561 |
| Noninterest income to average assets | 0.6660% | 2,922 |
| Noninterest expense to average assets | 2.4414% | 5,938 |
| Loan and lease loss provision to assets | 0.1585% | 5,304 |
| Net operating income to assets | 2.1943% | 234 |
| Return on assets (ROA) | 2.1943% | 256 |
| Pretax return on assets | 2.1943% | 409 |
| Return on Equity (ROE) | 25.3147% | 118 |
| Retained earnings to average equity (ytd only) | 14.9755% | 246 |
| Net charge-offs to loans | 0.0382% | 5,828 |
| Credit loss provision to net charge-offs | 525.0000% | 706 |
| Earnings coverage of net charge-offs (x) | 77.9375% | 405 |
| Efficiency ratio | 50.9248% | 7,156 |
| Assets per employee ($millions) | 3.9704% | 3,823 |
| Cash dividends to net income (ytd only)* | 40.8426% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 5,779 |
| Loan loss allowance to noncurrent loans | 190.0585% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 5,515 |
| Noncurrent loans to loans | 0.5963% | 6,051 |
| Net loans and leases to total assets | 79.3474% | 896 |
| Net loans and leases to deposits | 91.2457% | 1,657 |
| Net loans and leases to core deposits | 96.8022% | 2,350 |
| Total domestic deposits to total assets | 86.9601% | 2,548 |
| Equity capital to assets | 8.8515% | 5,666 |
| Core capital (leverage) ratio | 8.6033% | 5,231 |
| Tier 1 risk-based capital ratio | 11.1610% | 6,083 |
| Total risk-based capital ratio | 12.3260% | 6,148 |
| Memoranda: | ||
| Average total assets | $106,003,000 | 4,912 |
| Average earning assets | $100,347,330 | 4,796 |
| Average equity | $9,188,330 | 5,448 |
| Average total loans | $83,727,670 | 4,329 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8531% | 1,316 |
| Cost of funding earning assets | 1.6310% | 2,773 |
| Net interest margin | 4.2221% | 1,957 |
| Noninterest income to average assets | 0.6641% | 2,858 |
| Noninterest expense to average assets | 2.2770% | 6,455 |
| Loan and lease loss provision to assets | 0.1442% | 5,112 |
| Net operating income to assets | 2.2314% | 241 |
| Return on assets (ROA) | 2.2314% | 267 |
| Pretax return on assets | 2.2314% | 401 |
| Return on Equity (ROE) | 26.0235% | 134 |
| Retained earnings to average equity (ytd only) | 26.0235% | 92 |
| Net charge-offs to loans | 0.0339% | 5,102 |
| Credit loss provision to net charge-offs | 542.8571% | 784 |
| Earnings coverage of net charge-offs (x) | 89.4286% | 362 |
| Efficiency ratio | 48.9396% | 7,377 |
| Assets per employee ($millions) | 3.9967% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 5,868 |
| Loan loss allowance to noncurrent loans | 84.5807% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.4725% | 4,298 |
| Noncurrent loans to loans | 1.3354% | 4,748 |
| Net loans and leases to total assets | 76.0893% | 1,529 |
| Net loans and leases to deposits | 87.1700% | 2,381 |
| Net loans and leases to core deposits | 92.5129% | 3,045 |
| Total domestic deposits to total assets | 87.2885% | 2,472 |
| Equity capital to assets | 8.6359% | 5,824 |
| Core capital (leverage) ratio | 8.6462% | 5,124 |
| Tier 1 risk-based capital ratio | 11.3469% | 5,814 |
| Total risk-based capital ratio | 12.4991% | 5,862 |
| Memoranda: | ||
| Average total assets | $105,403,500 | 4,994 |
| Average earning assets | $99,570,500 | 4,888 |
| Average equity | $9,038,000 | 5,535 |
| Average total loans | $82,573,000 | 4,424 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2350% | 1,152 |
| Cost of funding earning assets | 2.1010% | 2,456 |
| Net interest margin | 4.1340% | 2,303 |
| Noninterest income to average assets | 0.7482% | 2,688 |
| Noninterest expense to average assets | 2.6839% | 5,464 |
| Loan and lease loss provision to assets | 0.3883% | 4,461 |
| Net operating income to assets | 1.6101% | 539 |
| Return on assets (ROA) | 1.6101% | 570 |
| Pretax return on assets | 1.6101% | 943 |
| Return on Equity (ROE) | 19.1657% | 294 |
| Retained earnings to average equity (ytd only) | 9.2443% | 458 |
| Net charge-offs to loans | 0.3924% | 4,254 |
| Credit loss provision to net charge-offs | 123.3645% | 4,276 |
| Earnings coverage of net charge-offs (x) | 6.3489% | 2,384 |
| Efficiency ratio | 57.3194% | 6,861 |
| Assets per employee ($millions) | 3.8110% | 4,265 |
| Cash dividends to net income (ytd only)* | 51.7661% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 5,876 |
| Loan loss allowance to noncurrent loans | 93.6983% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 1.5151% | 4,108 |
| Noncurrent loans to loans | 1.1790% | 4,972 |
| Net loans and leases to total assets | 78.9071% | 1,203 |
| Net loans and leases to deposits | 91.4923% | 1,965 |
| Net loans and leases to core deposits | 110.3526% | 2,857 |
| Total domestic deposits to total assets | 86.2445% | 2,892 |
| Equity capital to assets | 8.5105% | 5,862 |
| Core capital (leverage) ratio | 8.3699% | 5,503 |
| Tier 1 risk-based capital ratio | 10.8585% | 6,057 |
| Total risk-based capital ratio | 11.9971% | 6,134 |
| Memoranda: | ||
| Average total assets | $101,980,000 | 5,042 |
| Average earning assets | $97,049,000 | 4,922 |
| Average equity | $8,567,400 | 5,746 |
| Average total loans | $81,800,800 | 4,453 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2156% | 1,336 |
| Cost of funding earning assets | 2.1803% | 2,496 |
| Net interest margin | 4.0353% | 2,657 |
| Noninterest income to average assets | 0.7351% | 2,798 |
| Noninterest expense to average assets | 2.5146% | 6,024 |
| Loan and lease loss provision to assets | 0.2555% | 4,906 |
| Net operating income to assets | 1.8188% | 423 |
| Return on assets (ROA) | 1.8188% | 452 |
| Pretax return on assets | 1.8188% | 773 |
| Return on Equity (ROE) | 21.7209% | 216 |
| Retained earnings to average equity (ytd only) | 14.3658% | 178 |
| Net charge-offs to loans | 0.2202% | 4,659 |
| Credit loss provision to net charge-offs | 144.4444% | 3,372 |
| Earnings coverage of net charge-offs (x) | 11.7256% | 1,832 |
| Efficiency ratio | 54.7973% | 7,144 |
| Assets per employee ($millions) | 3.7914% | 4,205 |
| Cash dividends to net income (ytd only)* | 33.8616% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 5,929 |
| Loan loss allowance to noncurrent loans | 96.0172% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.3744% | 4,343 |
| Noncurrent loans to loans | 1.1095% | 5,095 |
| Net loans and leases to total assets | 80.9190% | 996 |
| Net loans and leases to deposits | 95.3585% | 1,663 |
| Net loans and leases to core deposits | 114.5409% | 2,775 |
| Total domestic deposits to total assets | 84.8577% | 3,302 |
| Equity capital to assets | 8.7048% | 5,944 |
| Core capital (leverage) ratio | 8.5518% | 5,397 |
| Tier 1 risk-based capital ratio | 10.8882% | 6,065 |
| Total risk-based capital ratio | 11.9949% | 6,176 |
| Memoranda: | ||
| Average total assets | $101,750,750 | 5,073 |
| Average earning assets | $97,172,500 | 4,950 |
| Average equity | $8,520,000 | 5,818 |
| Average total loans | $81,726,000 | 4,494 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0420% | 2,006 |
| Cost of funding earning assets | 2.2781% | 2,451 |
| Net interest margin | 3.7639% | 3,703 |
| Noninterest income to average assets | 0.7287% | 2,822 |
| Noninterest expense to average assets | 2.5545% | 5,925 |
| Loan and lease loss provision to assets | 0.2698% | 4,424 |
| Net operating income to assets | 1.5067% | 824 |
| Return on assets (ROA) | 1.5067% | 882 |
| Pretax return on assets | 1.5067% | 1,425 |
| Return on Equity (ROE) | 18.2367% | 473 |
| Retained earnings to average equity (ytd only) | 15.1377% | 202 |
| Net charge-offs to loans | 0.1900% | 4,362 |
| Credit loss provision to net charge-offs | 177.9221% | 2,577 |
| Earnings coverage of net charge-offs (x) | 11.7143% | 1,879 |
| Efficiency ratio | 58.9814% | 6,696 |
| Assets per employee ($millions) | 3.8897% | 3,895 |
| Cash dividends to net income (ytd only)* | 16.9935% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 5,726 |
| Loan loss allowance to noncurrent loans | 59.0338% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.5386% | 3,920 |
| Noncurrent loans to loans | 1.8311% | 3,764 |
| Net loans and leases to total assets | 80.7115% | 1,188 |
| Net loans and leases to deposits | 95.7737% | 1,833 |
| Net loans and leases to core deposits | 114.3958% | 2,869 |
| Total domestic deposits to total assets | 84.2732% | 3,614 |
| Equity capital to assets | 8.4789% | 6,081 |
| Core capital (leverage) ratio | 8.2597% | 5,868 |
| Tier 1 risk-based capital ratio | 10.6782% | 6,205 |
| Total risk-based capital ratio | 11.7997% | 6,284 |
| Memoranda: | ||
| Average total assets | $101,544,670 | 5,122 |
| Average earning assets | $97,185,670 | 4,971 |
| Average equity | $8,389,670 | 5,885 |
| Average total loans | $81,058,670 | 4,556 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1103% | 1,910 |
| Cost of funding earning assets | 2.3710% | 2,410 |
| Net interest margin | 3.7393% | 3,716 |
| Noninterest income to average assets | 0.6801% | 3,002 |
| Noninterest expense to average assets | 2.2997% | 6,541 |
| Loan and lease loss provision to assets | 0.1690% | 4,778 |
| Net operating income to assets | 1.7887% | 541 |
| Return on assets (ROA) | 1.7887% | 598 |
| Pretax return on assets | 1.7887% | 999 |
| Return on Equity (ROE) | 21.9356% | 310 |
| Retained earnings to average equity (ytd only) | 21.9356% | 131 |
| Net charge-offs to loans | 0.0548% | 4,703 |
| Credit loss provision to net charge-offs | 390.9091% | 1,321 |
| Earnings coverage of net charge-offs (x) | 45.2727% | 774 |
| Efficiency ratio | 54.0166% | 7,217 |
| Assets per employee ($millions) | 3.9994% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 5,708 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 5,428 |
| Noncurrent loans to loans | 0.8888% | 5,228 |
| Net loans and leases to total assets | 77.0705% | 2,025 |
| Net loans and leases to deposits | 91.6893% | 2,651 |
| Net loans and leases to core deposits | 108.2299% | 3,652 |
| Total domestic deposits to total assets | 84.0562% | 3,680 |
| Equity capital to assets | 8.1791% | 6,562 |
| Core capital (leverage) ratio | 8.1201% | 6,256 |
| Tier 1 risk-based capital ratio | 10.4811% | 6,415 |
| Total risk-based capital ratio | 11.5705% | 6,497 |
| Memoranda: | ||
| Average total assets | $101,750,500 | 5,129 |
| Average earning assets | $97,344,500 | 4,995 |
| Average equity | $8,297,000 | 5,956 |
| Average total loans | $80,329,000 | 4,604 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8569% | 1,522 |
| Cost of funding earning assets | 2.8599% | 2,444 |
| Net interest margin | 3.9970% | 3,129 |
| Noninterest income to average assets | 0.7998% | 2,514 |
| Noninterest expense to average assets | 2.7294% | 5,132 |
| Loan and lease loss provision to assets | 0.1978% | 4,908 |
| Net operating income to assets | 1.6662% | 721 |
| Return on assets (ROA) | 1.6662% | 689 |
| Pretax return on assets | 1.6662% | 1,225 |
| Return on Equity (ROE) | 20.1043% | 365 |
| Retained earnings to average equity (ytd only) | 9.4685% | 525 |
| Net charge-offs to loans | 0.0963% | 5,365 |
| Credit loss provision to net charge-offs | 255.5556% | 1,825 |
| Earnings coverage of net charge-offs (x) | 24.0833% | 1,385 |
| Efficiency ratio | 59.4196% | 6,454 |
| Assets per employee ($millions) | 3.6858% | 4,205 |
| Cash dividends to net income (ytd only)* | 52.9032% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 5,675 |
| Loan loss allowance to noncurrent loans | 133.1200% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 5,091 |
| Noncurrent loans to loans | 0.7847% | 5,074 |
| Net loans and leases to total assets | 79.2036% | 1,836 |
| Net loans and leases to deposits | 94.4994% | 2,687 |
| Net loans and leases to core deposits | 112.3126% | 3,531 |
| Total domestic deposits to total assets | 83.8138% | 3,423 |
| Equity capital to assets | 8.1283% | 6,658 |
| Core capital (leverage) ratio | 7.8926% | 6,664 |
| Tier 1 risk-based capital ratio | 10.1422% | 6,583 |
| Total risk-based capital ratio | 11.2161% | 6,661 |
| Memoranda: | ||
| Average total assets | $93,023,400 | 5,260 |
| Average earning assets | $88,290,600 | 5,139 |
| Average equity | $7,709,800 | 6,207 |
| Average total loans | $74,758,600 | 4,701 |