Home > American Bank of Oklahoma > Performance and Condition Ratios
American Bank of Oklahoma, 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 | 7.2015% | 193 |
| Cost of funding earning assets | 1.4669% | 2,028 |
| Net interest margin | 5.7346% | 145 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 4.7069% | 258 |
| Loan and lease loss provision to assets | 0.4000% | 240 |
| Net operating income to assets | 0.8494% | 2,705 |
| Return on assets (ROA) | 0.8494% | 2,684 |
| Pretax return on assets | 1.1206% | 2,352 |
| Return on Equity (ROE) | 8.2000% | 2,972 |
| Retained earnings to average equity (ytd only) | 4.9627% | 2,615 |
| Net charge-offs to loans | 0.3066% | 351 |
| Credit loss provision to net charge-offs | 157.2222% | 1,428 |
| Earnings coverage of net charge-offs (x) | 6.2078% | 2,486 |
| Efficiency ratio | 75.5941% | 1,288 |
| Assets per employee ($millions) | 3.8324% | 4,215 |
| Cash dividends to net income (ytd only)* | 39.5133% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 2,452 |
| Loan loss allowance to noncurrent loans | 42.6282% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 2.2449% | 111 |
| Noncurrent loans to loans | 2.7481% | 164 |
| Net loans and leases to total assets | 80.7300% | 558 |
| Net loans and leases to deposits | 99.8244% | 545 |
| Net loans and leases to core deposits | 112.1548% | 881 |
| Total domestic deposits to total assets | 80.8700% | 3,329 |
| Equity capital to assets | 10.6489% | 1,654 |
| Core capital (leverage) ratio | 10.4699% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1026% | 2,205 |
| Memoranda: | ||
| Average total assets | $367,652,200 | 2,123 |
| Average earning assets | $333,972,800 | 2,159 |
| Average equity | $38,063,800 | 1,938 |
| Average total loans | $293,587,200 | 1,814 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0292% | 195 |
| Cost of funding earning assets | 1.3275% | 2,071 |
| Net interest margin | 5.7017% | 143 |
| Noninterest income to average assets | 1.0500% | 596 |
| Noninterest expense to average assets | 4.6444% | 259 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 1.0036% | 2,356 |
| Return on assets (ROA) | 1.0036% | 2,343 |
| Pretax return on assets | 1.2966% | 2,054 |
| Return on Equity (ROE) | 9.7300% | 2,724 |
| Retained earnings to average equity (ytd only) | 6.7555% | 2,372 |
| Net charge-offs to loans | 0.0542% | 1,132 |
| Credit loss provision to net charge-offs | 613.4454% | 549 |
| Earnings coverage of net charge-offs (x) | 36.7815% | 1,494 |
| Efficiency ratio | 74.5745% | 1,314 |
| Assets per employee ($millions) | 3.8064% | 4,229 |
| Cash dividends to net income (ytd only)* | 30.6056% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,336 |
| Loan loss allowance to noncurrent loans | 64.5394% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.4977% | 248 |
| Noncurrent loans to loans | 1.8652% | 346 |
| Net loans and leases to total assets | 78.7700% | 781 |
| Net loans and leases to deposits | 97.2209% | 663 |
| Net loans and leases to core deposits | 108.2680% | 932 |
| Total domestic deposits to total assets | 81.0200% | 3,386 |
| Equity capital to assets | 10.4317% | 1,589 |
| Core capital (leverage) ratio | 10.3981% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1024% | 2,233 |
| Memoranda: | ||
| Average total assets | $368,546,750 | 2,127 |
| Average earning assets | $334,768,000 | 2,164 |
| Average equity | $37,993,000 | 1,932 |
| Average total loans | $292,632,000 | 1,818 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7913% | 201 |
| Cost of funding earning assets | 1.1821% | 2,044 |
| Net interest margin | 5.6093% | 156 |
| Noninterest income to average assets | 1.0700% | 514 |
| Noninterest expense to average assets | 4.7170% | 242 |
| Loan and lease loss provision to assets | 0.3000% | 309 |
| Net operating income to assets | 0.8462% | 2,937 |
| Return on assets (ROA) | 0.8462% | 2,944 |
| Pretax return on assets | 1.1410% | 2,534 |
| Return on Equity (ROE) | 8.2400% | 3,174 |
| Retained earnings to average equity (ytd only) | 5.2857% | 2,865 |
| Net charge-offs to loans | -0.0048% | 3,705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.5835% | 1,125 |
| Assets per employee ($millions) | 3.6806% | 4,295 |
| Cash dividends to net income (ytd only)* | 35.8661% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 2,665 |
| Loan loss allowance to noncurrent loans | 68.5929% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.3305% | 287 |
| Noncurrent loans to loans | 1.6896% | 365 |
| Net loans and leases to total assets | 77.2300% | 914 |
| Net loans and leases to deposits | 94.4087% | 823 |
| Net loans and leases to core deposits | 104.0654% | 1,051 |
| Total domestic deposits to total assets | 81.8000% | 3,273 |
| Equity capital to assets | 9.9232% | 1,901 |
| Core capital (leverage) ratio | 10.4102% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7738% | 2,383 |
| Memoranda: | ||
| Average total assets | $367,053,333 | 2,140 |
| Average earning assets | $332,806,667 | 2,175 |
| Average equity | $37,686,333 | 1,951 |
| Average total loans | $291,042,333 | 1,817 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6849% | 151 |
| Cost of funding earning assets | 1.0796% | 1,811 |
| Net interest margin | 5.6052% | 135 |
| Noninterest income to average assets | 1.2200% | 434 |
| Noninterest expense to average assets | 4.7641% | 249 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.1738% | 2,009 |
| Return on assets (ROA) | 1.1738% | 1,973 |
| Pretax return on assets | 1.4744% | 1,723 |
| Return on Equity (ROE) | 11.2300% | 2,431 |
| Retained earnings to average equity (ytd only) | 8.3117% | 2,138 |
| Net charge-offs to loans | 0.0098% | 1,575 |
| Credit loss provision to net charge-offs | 757.1429% | 424 |
| Earnings coverage of net charge-offs (x) | 195.1429% | 513 |
| Efficiency ratio | 75.7973% | 1,187 |
| Assets per employee ($millions) | 3.4745% | 4,411 |
| Cash dividends to net income (ytd only)* | 25.9962% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 3,326 |
| Loan loss allowance to noncurrent loans | 73.9877% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.2209% | 297 |
| Noncurrent loans to loans | 1.4100% | 468 |
| Net loans and leases to total assets | 78.3900% | 729 |
| Net loans and leases to deposits | 94.8509% | 730 |
| Net loans and leases to core deposits | 103.6174% | 940 |
| Total domestic deposits to total assets | 82.6400% | 3,369 |
| Equity capital to assets | 10.3523% | 1,640 |
| Core capital (leverage) ratio | 10.3653% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9875% | 2,395 |
| Memoranda: | ||
| Average total assets | $359,189,500 | 2,198 |
| Average earning assets | $324,553,000 | 2,237 |
| Average equity | $37,537,500 | 1,980 |
| Average total loans | $287,028,500 | 1,854 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6767% | 125 |
| Cost of funding earning assets | 0.5826% | 972 |
| Net interest margin | 5.0941% | 127 |
| Noninterest income to average assets | 1.5400% | 337 |
| Noninterest expense to average assets | 4.7488% | 238 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.0312% | 2,453 |
| Return on assets (ROA) | 1.0312% | 2,392 |
| Pretax return on assets | 1.2839% | 2,145 |
| Return on Equity (ROE) | 10.7700% | 2,554 |
| Retained earnings to average equity (ytd only) | 7.7561% | 1,931 |
| Net charge-offs to loans | 0.0960% | 751 |
| Credit loss provision to net charge-offs | 47.7099% | 1,834 |
| Earnings coverage of net charge-offs (x) | 18.5725% | 1,929 |
| Efficiency ratio | 78.2787% | 834 |
| Assets per employee ($millions) | 3.4325% | 4,457 |
| Cash dividends to net income (ytd only)* | 27.9937% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,382 |
| Loan loss allowance to noncurrent loans | 147.4419% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 761 |
| Noncurrent loans to loans | 0.6788% | 1,102 |
| Net loans and leases to total assets | 79.8200% | 614 |
| Net loans and leases to deposits | 98.9058% | 482 |
| Net loans and leases to core deposits | 107.1850% | 700 |
| Total domestic deposits to total assets | 80.7000% | 3,794 |
| Equity capital to assets | 10.5521% | 1,432 |
| Core capital (leverage) ratio | 10.3530% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9047% | 2,415 |
| Memoranda: | ||
| Average total assets | $369,271,400 | 2,145 |
| Average earning assets | $328,357,800 | 2,206 |
| Average equity | $35,352,600 | 2,094 |
| Average total loans | $273,056,600 | 1,843 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4362% | 121 |
| Cost of funding earning assets | 0.5260% | 656 |
| Net interest margin | 4.9102% | 134 |
| Noninterest income to average assets | 1.6500% | 327 |
| Noninterest expense to average assets | 4.6958% | 234 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0500% | 2,287 |
| Return on assets (ROA) | 1.0500% | 2,255 |
| Pretax return on assets | 1.2922% | 2,068 |
| Return on Equity (ROE) | 11.2400% | 2,288 |
| Retained earnings to average equity (ytd only) | 7.4612% | 2,204 |
| Net charge-offs to loans | 0.1333% | 488 |
| Credit loss provision to net charge-offs | 18.5185% | 1,633 |
| Earnings coverage of net charge-offs (x) | 13.5815% | 1,880 |
| Efficiency ratio | 78.1869% | 898 |
| Assets per employee ($millions) | 3.6966% | 4,431 |
| Cash dividends to net income (ytd only)* | 33.6169% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,467 |
| Loan loss allowance to noncurrent loans | 90.0227% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.9558% | 475 |
| Noncurrent loans to loans | 1.1147% | 665 |
| Net loans and leases to total assets | 74.6700% | 1,044 |
| Net loans and leases to deposits | 91.8237% | 775 |
| Net loans and leases to core deposits | 98.5919% | 876 |
| Total domestic deposits to total assets | 81.3200% | 3,932 |
| Equity capital to assets | 9.8962% | 1,671 |
| Core capital (leverage) ratio | 9.5080% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7527% | 2,568 |
| Memoranda: | ||
| Average total assets | $373,201,250 | 2,139 |
| Average earning assets | $330,787,750 | 2,203 |
| Average equity | $34,864,000 | 2,146 |
| Average total loans | $270,056,750 | 1,852 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 133 |
| Cost of funding earning assets | 0.5156% | 475 |
| Net interest margin | 4.6900% | 150 |
| Noninterest income to average assets | 1.7853% | 268 |
| Noninterest expense to average assets | 4.5893% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1262% | 1,681 |
| Return on assets (ROA) | 1.1262% | 1,659 |
| Pretax return on assets | 1.3514% | 1,580 |
| Return on Equity (ROE) | 12.1463% | 1,632 |
| Retained earnings to average equity (ytd only) | 7.7989% | 1,690 |
| Net charge-offs to loans | 0.0433% | 955 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 43.7586% | 1,215 |
| Efficiency ratio | 77.2519% | 1,152 |
| Assets per employee ($millions) | 3.8220% | 4,443 |
| Cash dividends to net income (ytd only)* | 35.7920% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,266 |
| Loan loss allowance to noncurrent loans | 156.6239% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 952 |
| Noncurrent loans to loans | 0.6856% | 1,258 |
| Net loans and leases to total assets | 70.6706% | 1,238 |
| Net loans and leases to deposits | 85.7262% | 999 |
| Net loans and leases to core deposits | 92.2315% | 1,007 |
| Total domestic deposits to total assets | 82.4376% | 3,951 |
| Equity capital to assets | 9.3350% | 2,137 |
| Core capital (leverage) ratio | 9.2980% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7414% | 2,589 |
| Memoranda: | ||
| Average total assets | $375,615,333 | 2,138 |
| Average earning assets | $332,793,000 | 2,216 |
| Average equity | $34,825,333 | 2,205 |
| Average total loans | $268,062,333 | 1,863 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1279% | 128 |
| Cost of funding earning assets | 0.5278% | 430 |
| Net interest margin | 4.6001% | 156 |
| Noninterest income to average assets | 1.6674% | 306 |
| Noninterest expense to average assets | 4.5186% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9948% | 1,894 |
| Return on assets (ROA) | 0.9948% | 1,891 |
| Pretax return on assets | 1.2215% | 1,729 |
| Return on Equity (ROE) | 10.7678% | 1,699 |
| Retained earnings to average equity (ytd only) | 8.7328% | 1,353 |
| Net charge-offs to loans | -0.0181% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7198% | 1,251 |
| Assets per employee ($millions) | 3.7852% | 4,477 |
| Cash dividends to net income (ytd only)* | 18.8985% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 3,200 |
| Loan loss allowance to noncurrent loans | 161.6047% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 996 |
| Noncurrent loans to loans | 0.6993% | 1,361 |
| Net loans and leases to total assets | 68.6768% | 1,140 |
| Net loans and leases to deposits | 83.1516% | 940 |
| Net loans and leases to core deposits | 89.3331% | 949 |
| Total domestic deposits to total assets | 82.5923% | 4,004 |
| Equity capital to assets | 9.1738% | 2,551 |
| Core capital (leverage) ratio | 9.3578% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7625% | 2,696 |
| Memoranda: | ||
| Average total assets | $372,324,500 | 2,161 |
| Average earning assets | $329,648,000 | 2,240 |
| Average equity | $34,399,000 | 2,276 |
| Average total loans | $265,577,000 | 1,856 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2457% | 182 |
| Cost of funding earning assets | 0.7264% | 287 |
| Net interest margin | 4.5194% | 259 |
| Noninterest income to average assets | 1.9450% | 331 |
| Noninterest expense to average assets | 4.5641% | 209 |
| Loan and lease loss provision to assets | 0.0137% | 2,810 |
| Net operating income to assets | 1.1720% | 2,018 |
| Return on assets (ROA) | 1.1720% | 2,076 |
| Pretax return on assets | 1.4040% | 2,041 |
| Return on Equity (ROE) | 13.7709% | 1,251 |
| Retained earnings to average equity (ytd only) | 13.0456% | 395 |
| Net charge-offs to loans | 0.1643% | 586 |
| Credit loss provision to net charge-offs | 11.5741% | 2,301 |
| Earnings coverage of net charge-offs (x) | 11.9630% | 2,135 |
| Efficiency ratio | 76.2990% | 1,081 |
| Assets per employee ($millions) | 3.6245% | 4,559 |
| Cash dividends to net income (ytd only)* | 5.2669% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 3,251 |
| Loan loss allowance to noncurrent loans | 205.6396% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 1,300 |
| Noncurrent loans to loans | 0.5472% | 1,754 |
| Net loans and leases to total assets | 72.4834% | 807 |
| Net loans and leases to deposits | 88.2457% | 638 |
| Net loans and leases to core deposits | 95.1653% | 723 |
| Total domestic deposits to total assets | 82.1381% | 3,940 |
| Equity capital to assets | 9.3361% | 3,282 |
| Core capital (leverage) ratio | 9.1643% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5253% | 2,771 |
| Memoranda: | ||
| Average total assets | $364,519,000 | 2,130 |
| Average earning assets | $325,599,400 | 2,205 |
| Average equity | $31,022,000 | 2,471 |
| Average total loans | $263,005,000 | 1,864 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2333% | 212 |
| Cost of funding earning assets | 0.7618% | 296 |
| Net interest margin | 4.4716% | 331 |
| Noninterest income to average assets | 2.0187% | 347 |
| Noninterest expense to average assets | 4.6310% | 207 |
| Loan and lease loss provision to assets | 0.0184% | 2,639 |
| Net operating income to assets | 1.1790% | 2,231 |
| Return on assets (ROA) | 1.1790% | 2,292 |
| Pretax return on assets | 1.3744% | 2,423 |
| Return on Equity (ROE) | 14.1959% | 1,340 |
| Retained earnings to average equity (ytd only) | 13.9761% | 513 |
| Net charge-offs to loans | 0.2404% | 342 |
| Credit loss provision to net charge-offs | 10.5708% | 2,022 |
| Earnings coverage of net charge-offs (x) | 8.0613% | 2,117 |
| Efficiency ratio | 76.8797% | 969 |
| Assets per employee ($millions) | 3.7220% | 4,568 |
| Cash dividends to net income (ytd only)* | 1.5489% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 3,297 |
| Loan loss allowance to noncurrent loans | 161.5553% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6209% | 1,223 |
| Noncurrent loans to loans | 0.6984% | 1,588 |
| Net loans and leases to total assets | 68.7659% | 1,226 |
| Net loans and leases to deposits | 82.8759% | 1,038 |
| Net loans and leases to core deposits | 89.2737% | 1,076 |
| Total domestic deposits to total assets | 82.9746% | 3,714 |
| Equity capital to assets | 8.5562% | 4,173 |
| Core capital (leverage) ratio | 8.4337% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0162% | 2,963 |
| Memoranda: | ||
| Average total assets | $365,035,250 | 2,146 |
| Average earning assets | $326,946,500 | 2,220 |
| Average equity | $30,317,750 | 2,542 |
| Average total loans | $262,329,000 | 1,901 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1818% | 263 |
| Cost of funding earning assets | 0.7998% | 293 |
| Net interest margin | 4.3820% | 423 |
| Noninterest income to average assets | 2.1771% | 297 |
| Noninterest expense to average assets | 4.6773% | 199 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2230% | 2,099 |
| Return on assets (ROA) | 1.2230% | 2,174 |
| Pretax return on assets | 1.4294% | 2,244 |
| Return on Equity (ROE) | 14.8812% | 1,189 |
| Retained earnings to average equity (ytd only) | 14.5445% | 484 |
| Net charge-offs to loans | 0.2437% | 358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 8.0719% | 1,895 |
| Efficiency ratio | 76.5927% | 1,022 |
| Assets per employee ($millions) | 3.7378% | 4,586 |
| Cash dividends to net income (ytd only)* | 2.2624% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,146 |
| Loan loss allowance to noncurrent loans | 216.6075% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 1,631 |
| Noncurrent loans to loans | 0.5351% | 2,067 |
| Net loans and leases to total assets | 68.9398% | 1,332 |
| Net loans and leases to deposits | 82.7381% | 1,146 |
| Net loans and leases to core deposits | 89.3609% | 1,182 |
| Total domestic deposits to total assets | 83.3229% | 3,633 |
| Equity capital to assets | 8.2505% | 4,395 |
| Core capital (leverage) ratio | 8.2264% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9296% | 2,974 |
| Memoranda: | ||
| Average total assets | $361,405,000 | 2,155 |
| Average earning assets | $324,095,333 | 2,225 |
| Average equity | $29,702,000 | 2,578 |
| Average total loans | $262,619,000 | 1,907 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0155% | 345 |
| Cost of funding earning assets | 0.8340% | 301 |
| Net interest margin | 4.1815% | 621 |
| Noninterest income to average assets | 2.1441% | 335 |
| Noninterest expense to average assets | 4.7534% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9135% | 3,096 |
| Return on assets (ROA) | 0.9135% | 3,171 |
| Pretax return on assets | 1.1535% | 2,973 |
| Return on Equity (ROE) | 11.1389% | 2,319 |
| Retained earnings to average equity (ytd only) | 11.1389% | 1,368 |
| Net charge-offs to loans | -0.0076% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4714% | 795 |
| Assets per employee ($millions) | 3.6498% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 2,362 |
| Loan loss allowance to noncurrent loans | 192.8082% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 1,455 |
| Noncurrent loans to loans | 0.6830% | 1,879 |
| Net loans and leases to total assets | 69.3606% | 1,373 |
| Net loans and leases to deposits | 83.4184% | 1,204 |
| Net loans and leases to core deposits | 90.2608% | 1,216 |
| Total domestic deposits to total assets | 83.1479% | 3,657 |
| Equity capital to assets | 8.0507% | 4,462 |
| Core capital (leverage) ratio | 8.2338% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6954% | 2,978 |
| Memoranda: | ||
| Average total assets | $353,348,500 | 2,171 |
| Average earning assets | $317,973,000 | 2,230 |
| Average equity | $28,979,500 | 2,620 |
| Average total loans | $262,272,500 | 1,909 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8496% | 110 |
| Cost of funding earning assets | 1.3089% | 174 |
| Net interest margin | 4.5408% | 303 |
| Noninterest income to average assets | 2.0183% | 325 |
| Noninterest expense to average assets | 4.6792% | 228 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2252% | 1,462 |
| Return on assets (ROA) | 1.2252% | 1,575 |
| Pretax return on assets | 1.4138% | 1,611 |
| Return on Equity (ROE) | 15.7820% | 531 |
| Retained earnings to average equity (ytd only) | 15.7820% | 126 |
| Net charge-offs to loans | 0.0977% | 1,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 18.1007% | 2,039 |
| Efficiency ratio | 76.7961% | 1,140 |
| Assets per employee ($millions) | 3.4573% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,591 |
| Loan loss allowance to noncurrent loans | 222.8496% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7988% | 1,282 |
| Noncurrent loans to loans | 0.5678% | 2,281 |
| Net loans and leases to total assets | 77.3735% | 659 |
| Net loans and leases to deposits | 94.0988% | 652 |
| Net loans and leases to core deposits | 102.8430% | 775 |
| Total domestic deposits to total assets | 82.2258% | 3,615 |
| Equity capital to assets | 8.4614% | 4,475 |
| Core capital (leverage) ratio | 8.2711% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5666% | 3,015 |
| Memoranda: | ||
| Average total assets | $343,114,600 | 2,086 |
| Average earning assets | $307,900,200 | 2,130 |
| Average equity | $26,638,000 | 2,698 |
| Average total loans | $274,222,000 | 1,804 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9689% | 116 |
| Cost of funding earning assets | 1.3783% | 180 |
| Net interest margin | 4.5906% | 313 |
| Noninterest income to average assets | 1.8229% | 363 |
| Noninterest expense to average assets | 4.5239% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2381% | 1,524 |
| Return on assets (ROA) | 1.2381% | 1,642 |
| Pretax return on assets | 1.4264% | 1,648 |
| Return on Equity (ROE) | 16.3124% | 511 |
| Retained earnings to average equity (ytd only) | 16.3124% | 145 |
| Net charge-offs to loans | 0.0334% | 2,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 53.2319% | 1,156 |
| Efficiency ratio | 76.0279% | 1,203 |
| Assets per employee ($millions) | 3.5921% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,159 |
| Loan loss allowance to noncurrent loans | 225.4078% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.8050% | 1,429 |
| Noncurrent loans to loans | 0.5763% | 2,360 |
| Net loans and leases to total assets | 78.3430% | 791 |
| Net loans and leases to deposits | 94.8047% | 862 |
| Net loans and leases to core deposits | 103.7139% | 945 |
| Total domestic deposits to total assets | 82.6362% | 3,242 |
| Equity capital to assets | 7.9552% | 4,729 |
| Core capital (leverage) ratio | 7.7525% | 4,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8880% | 3,100 |
| Memoranda: | ||
| Average total assets | $343,325,500 | 2,061 |
| Average earning assets | $308,680,500 | 2,104 |
| Average equity | $26,057,250 | 2,730 |
| Average total loans | $275,722,250 | 1,784 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1665% | 119 |
| Cost of funding earning assets | 1.4447% | 195 |
| Net interest margin | 4.7218% | 322 |
| Noninterest income to average assets | 1.5063% | 462 |
| Noninterest expense to average assets | 4.3639% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2031% | 1,629 |
| Return on assets (ROA) | 1.2031% | 1,758 |
| Pretax return on assets | 1.3922% | 1,744 |
| Return on Equity (ROE) | 16.1155% | 538 |
| Retained earnings to average equity (ytd only) | 16.1155% | 167 |
| Net charge-offs to loans | -0.0044% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8137% | 1,286 |
| Assets per employee ($millions) | 3.7162% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,004 |
| Loan loss allowance to noncurrent loans | 200.1637% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6768% | 1,810 |
| Noncurrent loans to loans | 0.6492% | 2,240 |
| Net loans and leases to total assets | 76.5221% | 1,062 |
| Net loans and leases to deposits | 91.3919% | 1,226 |
| Net loans and leases to core deposits | 99.7081% | 1,279 |
| Total domestic deposits to total assets | 83.7296% | 2,836 |
| Equity capital to assets | 7.3001% | 4,926 |
| Core capital (leverage) ratio | 7.5375% | 4,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3246% | 3,198 |
| Memoranda: | ||
| Average total assets | $341,621,667 | 2,037 |
| Average earning assets | $307,467,667 | 2,090 |
| Average equity | $25,503,333 | 2,750 |
| Average total loans | $275,440,000 | 1,765 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2530% | 115 |
| Cost of funding earning assets | 1.5285% | 234 |
| Net interest margin | 4.7244% | 314 |
| Noninterest income to average assets | 1.4289% | 439 |
| Noninterest expense to average assets | 4.4743% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0450% | 2,022 |
| Return on assets (ROA) | 1.0450% | 2,119 |
| Pretax return on assets | 1.1988% | 2,201 |
| Return on Equity (ROE) | 13.4623% | 797 |
| Retained earnings to average equity (ytd only) | 13.4623% | 290 |
| Net charge-offs to loans | 0.0132% | 2,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 539 |
| Efficiency ratio | 78.8687% | 1,253 |
| Assets per employee ($millions) | 3.4798% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 2,021 |
| Loan loss allowance to noncurrent loans | 136.4961% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 1,209 |
| Noncurrent loans to loans | 0.9711% | 1,693 |
| Net loans and leases to total assets | 80.5900% | 622 |
| Net loans and leases to deposits | 97.3750% | 785 |
| Net loans and leases to core deposits | 106.5800% | 1,024 |
| Total domestic deposits to total assets | 82.7625% | 3,191 |
| Equity capital to assets | 7.7248% | 5,014 |
| Core capital (leverage) ratio | 7.7607% | 5,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1776% | 3,386 |
| Memoranda: | ||
| Average total assets | $330,332,000 | 2,040 |
| Average earning assets | $296,755,500 | 2,095 |
| Average equity | $25,642,000 | 2,737 |
| Average total loans | $271,983,000 | 1,750 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3051% | 142 |
| Cost of funding earning assets | 1.6006% | 300 |
| Net interest margin | 4.7045% | 466 |
| Noninterest income to average assets | 1.3982% | 485 |
| Noninterest expense to average assets | 4.4192% | 332 |
| Loan and lease loss provision to assets | 0.3027% | 550 |
| Net operating income to assets | 0.7307% | 3,763 |
| Return on assets (ROA) | 0.7307% | 3,833 |
| Pretax return on assets | 0.8964% | 3,752 |
| Return on Equity (ROE) | 8.4569% | 2,959 |
| Retained earnings to average equity (ytd only) | 2.1424% | 3,923 |
| Net charge-offs to loans | 0.2422% | 847 |
| Credit loss provision to net charge-offs | 153.5420% | 1,663 |
| Earnings coverage of net charge-offs (x) | 6.0824% | 3,008 |
| Efficiency ratio | 78.6577% | 1,072 |
| Assets per employee ($millions) | 3.4613% | 4,515 |
| Cash dividends to net income (ytd only)* | 74.6667% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 4,557 |
| Loan loss allowance to noncurrent loans | 87.3568% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.9903% | 1,259 |
| Noncurrent loans to loans | 0.8124% | 1,881 |
| Net loans and leases to total assets | 82.0042% | 559 |
| Net loans and leases to deposits | 100.2653% | 591 |
| Net loans and leases to core deposits | 110.2508% | 835 |
| Total domestic deposits to total assets | 81.7872% | 3,565 |
| Equity capital to assets | 8.4344% | 4,938 |
| Core capital (leverage) ratio | 8.4407% | 4,872 |
| Tier 1 risk-based capital ratio | 9.8331% | 5,137 |
| Total risk-based capital ratio | 10.5192% | 5,159 |
| Memoranda: | ||
| Average total assets | $307,905,400 | 2,118 |
| Average earning assets | $276,206,000 | 2,172 |
| Average equity | $26,605,600 | 2,585 |
| Average total loans | $250,618,000 | 1,826 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3039% | 149 |
| Cost of funding earning assets | 1.5912% | 313 |
| Net interest margin | 4.7127% | 486 |
| Noninterest income to average assets | 1.3524% | 505 |
| Noninterest expense to average assets | 4.3797% | 335 |
| Loan and lease loss provision to assets | 0.1247% | 1,561 |
| Net operating income to assets | 0.9013% | 3,342 |
| Return on assets (ROA) | 0.9013% | 3,417 |
| Pretax return on assets | 1.0682% | 3,386 |
| Return on Equity (ROE) | 10.3647% | 2,266 |
| Retained earnings to average equity (ytd only) | 5.2177% | 2,788 |
| Net charge-offs to loans | 0.0742% | 1,759 |
| Credit loss provision to net charge-offs | 207.2993% | 1,272 |
| Earnings coverage of net charge-offs (x) | 19.8250% | 1,985 |
| Efficiency ratio | 78.5923% | 1,047 |
| Assets per employee ($millions) | 3.1954% | 4,761 |
| Cash dividends to net income (ytd only)* | 49.6588% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6686% | 4,702 |
| Loan loss allowance to noncurrent loans | 164.7619% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.7375% | 1,865 |
| Noncurrent loans to loans | 0.4058% | 3,091 |
| Net loans and leases to total assets | 81.2493% | 674 |
| Net loans and leases to deposits | 100.1328% | 621 |
| Net loans and leases to core deposits | 110.2873% | 938 |
| Total domestic deposits to total assets | 81.1415% | 3,713 |
| Equity capital to assets | 8.5444% | 4,982 |
| Core capital (leverage) ratio | 8.7078% | 4,833 |
| Tier 1 risk-based capital ratio | 9.9154% | 5,202 |
| Total risk-based capital ratio | 10.5527% | 5,237 |
| Memoranda: | ||
| Average total assets | $303,542,000 | 2,161 |
| Average earning assets | $271,826,750 | 2,218 |
| Average equity | $26,396,500 | 2,613 |
| Average total loans | $246,093,750 | 1,861 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2505% | 155 |
| Cost of funding earning assets | 1.5773% | 293 |
| Net interest margin | 4.6732% | 522 |
| Noninterest income to average assets | 1.1200% | 677 |
| Noninterest expense to average assets | 4.3372% | 358 |
| Loan and lease loss provision to assets | 0.0802% | 2,228 |
| Net operating income to assets | 0.7271% | 3,907 |
| Return on assets (ROA) | 0.7271% | 3,968 |
| Pretax return on assets | 0.8962% | 3,858 |
| Return on Equity (ROE) | 8.3100% | 3,155 |
| Retained earnings to average equity (ytd only) | 2.6656% | 3,865 |
| Net charge-offs to loans | 0.0959% | 1,400 |
| Credit loss provision to net charge-offs | 103.4483% | 1,916 |
| Earnings coverage of net charge-offs (x) | 12.5948% | 2,146 |
| Efficiency ratio | 81.6250% | 830 |
| Assets per employee ($millions) | 3.1587% | 4,802 |
| Cash dividends to net income (ytd only)* | 67.9228% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6293% | 4,824 |
| Loan loss allowance to noncurrent loans | 93.1338% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 1,337 |
| Noncurrent loans to loans | 0.6757% | 2,280 |
| Net loans and leases to total assets | 82.6349% | 525 |
| Net loans and leases to deposits | 102.5589% | 510 |
| Net loans and leases to core deposits | 114.1601% | 775 |
| Total domestic deposits to total assets | 80.5732% | 3,922 |
| Equity capital to assets | 8.6883% | 4,963 |
| Core capital (leverage) ratio | 8.5699% | 4,930 |
| Tier 1 risk-based capital ratio | 10.0093% | 5,227 |
| Total risk-based capital ratio | 10.6147% | 5,275 |
| Memoranda: | ||
| Average total assets | $299,274,000 | 2,189 |
| Average earning assets | $268,555,330 | 2,241 |
| Average equity | $26,185,330 | 2,623 |
| Average total loans | $241,872,000 | 1,888 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0497% | 208 |
| Cost of funding earning assets | 1.5314% | 294 |
| Net interest margin | 4.5183% | 712 |
| Noninterest income to average assets | 0.9862% | 838 |
| Noninterest expense to average assets | 4.3136% | 362 |
| Loan and lease loss provision to assets | 0.0404% | 2,819 |
| Net operating income to assets | 0.5422% | 4,400 |
| Return on assets (ROA) | 0.5422% | 4,427 |
| Pretax return on assets | 0.7131% | 4,268 |
| Return on Equity (ROE) | 6.1751% | 3,962 |
| Retained earnings to average equity (ytd only) | 3.2944% | 3,601 |
| Net charge-offs to loans | 0.1369% | 925 |
| Credit loss provision to net charge-offs | 37.0370% | 2,050 |
| Earnings coverage of net charge-offs (x) | 6.9136% | 2,165 |
| Efficiency ratio | 85.1301% | 635 |
| Assets per employee ($millions) | 3.4591% | 4,597 |
| Cash dividends to net income (ytd only)* | 46.6501% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6396% | 4,867 |
| Loan loss allowance to noncurrent loans | 56.0395% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.2503% | 1,062 |
| Noncurrent loans to loans | 1.1414% | 1,462 |
| Net loans and leases to total assets | 77.2499% | 1,279 |
| Net loans and leases to deposits | 95.4679% | 1,018 |
| Net loans and leases to core deposits | 106.0669% | 1,167 |
| Total domestic deposits to total assets | 80.9172% | 3,986 |
| Equity capital to assets | 8.5143% | 4,979 |
| Core capital (leverage) ratio | 8.6574% | 4,907 |
| Tier 1 risk-based capital ratio | 10.3567% | 5,209 |
| Total risk-based capital ratio | 10.9642% | 5,293 |
| Memoranda: | ||
| Average total assets | $297,293,500 | 2,211 |
| Average earning assets | $268,510,000 | 2,249 |
| Average equity | $26,105,000 | 2,631 |
| Average total loans | $236,725,500 | 1,943 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9829% | 168 |
| Cost of funding earning assets | 1.1370% | 438 |
| Net interest margin | 4.8459% | 359 |
| Noninterest income to average assets | 1.0924% | 774 |
| Noninterest expense to average assets | 4.3608% | 343 |
| Loan and lease loss provision to assets | 0.1230% | 1,796 |
| Net operating income to assets | 0.7519% | 3,964 |
| Return on assets (ROA) | 0.7519% | 3,966 |
| Pretax return on assets | 0.9916% | 3,635 |
| Return on Equity (ROE) | 8.0729% | 3,399 |
| Retained earnings to average equity (ytd only) | 3.8002% | 3,484 |
| Net charge-offs to loans | 0.1798% | 1,064 |
| Credit loss provision to net charge-offs | 83.4568% | 2,816 |
| Earnings coverage of net charge-offs (x) | 7.5654% | 2,981 |
| Efficiency ratio | 79.6439% | 990 |
| Assets per employee ($millions) | 3.1497% | 4,886 |
| Cash dividends to net income (ytd only)* | 52.9269% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 4,854 |
| Loan loss allowance to noncurrent loans | 66.1789% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.1566% | 1,139 |
| Noncurrent loans to loans | 1.0218% | 1,602 |
| Net loans and leases to total assets | 81.1241% | 790 |
| Net loans and leases to deposits | 101.8164% | 605 |
| Net loans and leases to core deposits | 112.6995% | 849 |
| Total domestic deposits to total assets | 79.6769% | 4,177 |
| Equity capital to assets | 9.0859% | 4,501 |
| Core capital (leverage) ratio | 9.1970% | 4,463 |
| Tier 1 risk-based capital ratio | 10.7602% | 5,087 |
| Total risk-based capital ratio | 11.4171% | 5,201 |
| Memoranda: | ||
| Average total assets | $274,906,800 | 2,295 |
| Average earning assets | $248,641,000 | 2,351 |
| Average equity | $25,604,200 | 2,598 |
| Average total loans | $225,285,800 | 1,986 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9041% | 180 |
| Cost of funding earning assets | 1.0739% | 443 |
| Net interest margin | 4.8302% | 358 |
| Noninterest income to average assets | 1.0280% | 907 |
| Noninterest expense to average assets | 4.3502% | 342 |
| Loan and lease loss provision to assets | 0.1128% | 1,800 |
| Net operating income to assets | 0.6844% | 4,276 |
| Return on assets (ROA) | 0.6844% | 4,288 |
| Pretax return on assets | 0.9265% | 3,930 |
| Return on Equity (ROE) | 7.3007% | 3,820 |
| Retained earnings to average equity (ytd only) | 3.0489% | 4,215 |
| Net charge-offs to loans | 0.1076% | 1,410 |
| Credit loss provision to net charge-offs | 127.7778% | 1,917 |
| Earnings coverage of net charge-offs (x) | 11.7780% | 2,493 |
| Efficiency ratio | 80.7168% | 884 |
| Assets per employee ($millions) | 3.1598% | 4,921 |
| Cash dividends to net income (ytd only)* | 58.2376% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 4,753 |
| Loan loss allowance to noncurrent loans | 102.9679% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.7956% | 649 |
| Noncurrent loans to loans | 0.7291% | 2,259 |
| Net loans and leases to total assets | 80.8199% | 899 |
| Net loans and leases to deposits | 99.8046% | 805 |
| Net loans and leases to core deposits | 109.6174% | 1,062 |
| Total domestic deposits to total assets | 80.9781% | 3,873 |
| Equity capital to assets | 9.2245% | 4,350 |
| Core capital (leverage) ratio | 9.3869% | 4,295 |
| Tier 1 risk-based capital ratio | 10.9585% | 5,054 |
| Total risk-based capital ratio | 11.6879% | 5,177 |
| Memoranda: | ||
| Average total assets | $271,978,750 | 2,326 |
| Average earning assets | $245,586,250 | 2,380 |
| Average equity | $25,494,750 | 2,616 |
| Average total loans | $223,082,250 | 2,006 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8213% | 196 |
| Cost of funding earning assets | 1.0298% | 409 |
| Net interest margin | 4.7915% | 365 |
| Noninterest income to average assets | 1.2943% | 575 |
| Noninterest expense to average assets | 4.4438% | 309 |
| Loan and lease loss provision to assets | 0.1037% | 1,873 |
| Net operating income to assets | 0.8283% | 3,759 |
| Return on assets (ROA) | 0.8283% | 3,763 |
| Pretax return on assets | 1.0728% | 3,424 |
| Return on Equity (ROE) | 8.7883% | 3,125 |
| Retained earnings to average equity (ytd only) | 4.5985% | 3,289 |
| Net charge-offs to loans | 0.0532% | 1,843 |
| Credit loss provision to net charge-offs | 237.2881% | 1,179 |
| Earnings coverage of net charge-offs (x) | 26.9153% | 1,587 |
| Efficiency ratio | 79.0667% | 1,109 |
| Assets per employee ($millions) | 3.0916% | 5,027 |
| Cash dividends to net income (ytd only)* | 47.6744% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 4,767 |
| Loan loss allowance to noncurrent loans | 73.3051% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 2.0095% | 534 |
| Noncurrent loans to loans | 1.0580% | 1,663 |
| Net loans and leases to total assets | 81.3514% | 800 |
| Net loans and leases to deposits | 101.0008% | 737 |
| Net loans and leases to core deposits | 110.0168% | 1,000 |
| Total domestic deposits to total assets | 80.5453% | 4,117 |
| Equity capital to assets | 9.4289% | 4,166 |
| Core capital (leverage) ratio | 9.4217% | 4,217 |
| Tier 1 risk-based capital ratio | 11.0441% | 5,029 |
| Total risk-based capital ratio | 11.7922% | 5,152 |
| Memoranda: | ||
| Average total assets | $269,950,330 | 2,354 |
| Average earning assets | $243,725,000 | 2,409 |
| Average equity | $25,443,000 | 2,636 |
| Average total loans | $221,966,000 | 2,016 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8031% | 181 |
| Cost of funding earning assets | 0.9790% | 411 |
| Net interest margin | 4.8242% | 328 |
| Noninterest income to average assets | 1.2153% | 628 |
| Noninterest expense to average assets | 4.3868% | 325 |
| Loan and lease loss provision to assets | 0.0446% | 2,876 |
| Net operating income to assets | 0.9000% | 3,290 |
| Return on assets (ROA) | 0.9000% | 3,295 |
| Pretax return on assets | 1.1454% | 2,983 |
| Return on Equity (ROE) | 9.5507% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.5719% | 1,626 |
| Net charge-offs to loans | 0.1499% | 930 |
| Credit loss provision to net charge-offs | 36.1446% | 2,036 |
| Earnings coverage of net charge-offs (x) | 9.6386% | 1,952 |
| Efficiency ratio | 78.6610% | 1,299 |
| Assets per employee ($millions) | 3.2570% | 4,948 |
| Cash dividends to net income (ytd only)* | 10.2479% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7202% | 4,983 |
| Loan loss allowance to noncurrent loans | 78.1311% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.9467% | 596 |
| Noncurrent loans to loans | 0.9218% | 1,974 |
| Net loans and leases to total assets | 80.4624% | 879 |
| Net loans and leases to deposits | 99.7291% | 730 |
| Net loans and leases to core deposits | 108.6661% | 1,078 |
| Total domestic deposits to total assets | 80.6810% | 4,278 |
| Equity capital to assets | 9.3607% | 4,220 |
| Core capital (leverage) ratio | 9.4812% | 4,088 |
| Tier 1 risk-based capital ratio | 11.0205% | 5,121 |
| Total risk-based capital ratio | 11.7108% | 5,275 |
| Memoranda: | ||
| Average total assets | $268,896,500 | 2,377 |
| Average earning assets | $243,109,500 | 2,428 |
| Average equity | $25,338,500 | 2,665 |
| Average total loans | $221,422,500 | 2,025 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5380% | 251 |
| Cost of funding earning assets | 0.9314% | 318 |
| Net interest margin | 4.6066% | 496 |
| Noninterest income to average assets | 1.1719% | 752 |
| Noninterest expense to average assets | 4.2529% | 392 |
| Loan and lease loss provision to assets | 0.1422% | 1,598 |
| Net operating income to assets | 0.6340% | 3,875 |
| Return on assets (ROA) | 0.6340% | 3,907 |
| Pretax return on assets | 0.9702% | 3,672 |
| Return on Equity (ROE) | 6.7489% | 3,410 |
| Retained earnings to average equity (ytd only) | 1.6517% | 4,310 |
| Net charge-offs to loans | 0.0108% | 3,710 |
| Credit loss provision to net charge-offs | 1,621.7391% | 240 |
| Earnings coverage of net charge-offs (x) | 126.8696% | 538 |
| Efficiency ratio | 79.2667% | 1,185 |
| Assets per employee ($millions) | 3.1813% | 5,050 |
| Cash dividends to net income (ytd only)* | 75.5262% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7462% | 4,962 |
| Loan loss allowance to noncurrent loans | 81.6832% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.9735% | 572 |
| Noncurrent loans to loans | 0.9136% | 1,957 |
| Net loans and leases to total assets | 83.1130% | 542 |
| Net loans and leases to deposits | 103.4164% | 521 |
| Net loans and leases to core deposits | 112.5494% | 868 |
| Total domestic deposits to total assets | 80.3674% | 4,271 |
| Equity capital to assets | 9.3959% | 4,333 |
| Core capital (leverage) ratio | 9.3914% | 4,175 |
| Tier 1 risk-based capital ratio | 10.8727% | 5,220 |
| Total risk-based capital ratio | 11.5990% | 5,346 |
| Memoranda: | ||
| Average total assets | $262,315,200 | 2,395 |
| Average earning assets | $238,786,400 | 2,432 |
| Average equity | $24,641,000 | 2,698 |
| Average total loans | $212,067,600 | 2,057 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4367% | 277 |
| Cost of funding earning assets | 0.9220% | 308 |
| Net interest margin | 4.5147% | 582 |
| Noninterest income to average assets | 1.1175% | 814 |
| Noninterest expense to average assets | 4.0623% | 485 |
| Loan and lease loss provision to assets | 0.0845% | 2,400 |
| Net operating income to assets | 0.7494% | 3,741 |
| Return on assets (ROA) | 0.7494% | 3,801 |
| Pretax return on assets | 1.0865% | 3,354 |
| Return on Equity (ROE) | 7.9785% | 3,132 |
| Retained earnings to average equity (ytd only) | 2.5692% | 4,347 |
| Net charge-offs to loans | -0.0572% | 5,207 |
| Credit loss provision to net charge-offs | -184.4444% | 4,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6243% | 1,379 |
| Assets per employee ($millions) | 3.2357% | 5,032 |
| Cash dividends to net income (ytd only)* | 67.7987% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7225% | 5,090 |
| Loan loss allowance to noncurrent loans | 66.8385% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 2.2004% | 552 |
| Noncurrent loans to loans | 1.0810% | 1,782 |
| Net loans and leases to total assets | 81.5719% | 754 |
| Net loans and leases to deposits | 101.7563% | 634 |
| Net loans and leases to core deposits | 111.0508% | 975 |
| Total domestic deposits to total assets | 80.1640% | 4,284 |
| Equity capital to assets | 9.4920% | 4,457 |
| Core capital (leverage) ratio | 9.4565% | 4,217 |
| Tier 1 risk-based capital ratio | 11.1692% | 5,144 |
| Total risk-based capital ratio | 11.8699% | 5,337 |
| Memoranda: | ||
| Average total assets | $261,881,500 | 2,415 |
| Average earning assets | $238,742,250 | 2,452 |
| Average equity | $24,598,750 | 2,722 |
| Average total loans | $209,807,000 | 2,087 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3011% | 332 |
| Cost of funding earning assets | 0.9136% | 279 |
| Net interest margin | 4.3875% | 719 |
| Noninterest income to average assets | 1.0336% | 952 |
| Noninterest expense to average assets | 3.9937% | 532 |
| Loan and lease loss provision to assets | 0.0733% | 2,501 |
| Net operating income to assets | 0.6348% | 4,142 |
| Return on assets (ROA) | 0.6348% | 4,190 |
| Pretax return on assets | 0.9725% | 3,682 |
| Return on Equity (ROE) | 6.7821% | 3,670 |
| Retained earnings to average equity (ytd only) | 3.7624% | 3,449 |
| Net charge-offs to loans | 0.0298% | 2,609 |
| Credit loss provision to net charge-offs | 309.6774% | 942 |
| Earnings coverage of net charge-offs (x) | 44.1613% | 1,176 |
| Efficiency ratio | 79.2481% | 1,299 |
| Assets per employee ($millions) | 3.3049% | 4,980 |
| Cash dividends to net income (ytd only)* | 44.5247% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6562% | 5,288 |
| Loan loss allowance to noncurrent loans | 27.0742% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 2.0432% | 613 |
| Noncurrent loans to loans | 2.4236% | 635 |
| Net loans and leases to total assets | 78.1053% | 1,233 |
| Net loans and leases to deposits | 97.1957% | 974 |
| Net loans and leases to core deposits | 105.5374% | 1,261 |
| Total domestic deposits to total assets | 80.3588% | 4,332 |
| Equity capital to assets | 9.4042% | 4,507 |
| Core capital (leverage) ratio | 9.2353% | 4,451 |
| Tier 1 risk-based capital ratio | 11.6321% | 4,875 |
| Total risk-based capital ratio | 12.2721% | 5,141 |
| Memoranda: | ||
| Average total assets | $261,810,670 | 2,424 |
| Average earning assets | $239,044,330 | 2,456 |
| Average equity | $24,505,670 | 2,735 |
| Average total loans | $207,959,000 | 2,104 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 431 |
| Cost of funding earning assets | 0.9030% | 277 |
| Net interest margin | 4.2191% | 951 |
| Noninterest income to average assets | 0.8490% | 1,400 |
| Noninterest expense to average assets | 4.0015% | 537 |
| Loan and lease loss provision to assets | 0.0828% | 2,162 |
| Net operating income to assets | 0.2927% | 5,215 |
| Return on assets (ROA) | 0.2927% | 5,228 |
| Pretax return on assets | 0.6314% | 4,654 |
| Return on Equity (ROE) | 3.0796% | 5,074 |
| Retained earnings to average equity (ytd only) | -2.8861% | 5,250 |
| Net charge-offs to loans | 0.0268% | 2,219 |
| Credit loss provision to net charge-offs | 385.7143% | 664 |
| Earnings coverage of net charge-offs (x) | 33.2857% | 1,150 |
| Efficiency ratio | 84.8554% | 902 |
| Assets per employee ($millions) | 3.4030% | 4,926 |
| Cash dividends to net income (ytd only)* | 193.7173% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 5,189 |
| Loan loss allowance to noncurrent loans | 28.9411% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 2.0522% | 639 |
| Noncurrent loans to loans | 2.5992% | 586 |
| Net loans and leases to total assets | 77.9352% | 1,143 |
| Net loans and leases to deposits | 96.5472% | 890 |
| Net loans and leases to core deposits | 106.6977% | 1,049 |
| Total domestic deposits to total assets | 80.7224% | 4,476 |
| Equity capital to assets | 9.1948% | 4,621 |
| Core capital (leverage) ratio | 9.4066% | 4,228 |
| Tier 1 risk-based capital ratio | 11.4470% | 5,065 |
| Total risk-based capital ratio | 12.1846% | 5,260 |
| Memoranda: | ||
| Average total assets | $261,001,500 | 2,461 |
| Average earning assets | $239,200,500 | 2,473 |
| Average equity | $24,808,500 | 2,723 |
| Average total loans | $208,721,000 | 2,112 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3593% | 318 |
| Cost of funding earning assets | 0.8360% | 421 |
| Net interest margin | 4.5233% | 593 |
| Noninterest income to average assets | 0.8860% | 1,458 |
| Noninterest expense to average assets | 3.7081% | 873 |
| Loan and lease loss provision to assets | 0.1917% | 1,222 |
| Net operating income to assets | 0.7044% | 3,760 |
| Return on assets (ROA) | 0.7044% | 3,874 |
| Pretax return on assets | 1.1068% | 3,074 |
| Return on Equity (ROE) | 7.1912% | 3,377 |
| Retained earnings to average equity (ytd only) | 4.0458% | 3,041 |
| Net charge-offs to loans | 0.0236% | 3,572 |
| Credit loss provision to net charge-offs | 991.6667% | 391 |
| Earnings coverage of net charge-offs (x) | 67.1667% | 824 |
| Efficiency ratio | 74.0648% | 2,281 |
| Assets per employee ($millions) | 3.2457% | 5,103 |
| Cash dividends to net income (ytd only)* | 43.7393% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7502% | 5,235 |
| Loan loss allowance to noncurrent loans | 107.3509% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6190% | 2,872 |
| Noncurrent loans to loans | 0.6989% | 2,796 |
| Net loans and leases to total assets | 80.8905% | 758 |
| Net loans and leases to deposits | 101.8314% | 542 |
| Net loans and leases to core deposits | 111.0365% | 830 |
| Total domestic deposits to total assets | 79.4357% | 4,689 |
| Equity capital to assets | 9.8346% | 3,902 |
| Core capital (leverage) ratio | 9.9464% | 3,555 |
| Tier 1 risk-based capital ratio | 11.8967% | 4,798 |
| Total risk-based capital ratio | 12.6385% | 5,021 |
| Memoranda: | ||
| Average total assets | $248,293,800 | 2,519 |
| Average earning assets | $226,184,600 | 2,543 |
| Average equity | $24,321,400 | 2,776 |
| Average total loans | $203,144,200 | 2,094 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3639% | 323 |
| Cost of funding earning assets | 0.8271% | 433 |
| Net interest margin | 4.5368% | 575 |
| Noninterest income to average assets | 0.8812% | 1,468 |
| Noninterest expense to average assets | 3.7008% | 841 |
| Loan and lease loss provision to assets | 0.1829% | 1,203 |
| Net operating income to assets | 0.8402% | 3,197 |
| Return on assets (ROA) | 0.8402% | 3,315 |
| Pretax return on assets | 1.1268% | 3,129 |
| Return on Equity (ROE) | 8.5864% | 2,716 |
| Retained earnings to average equity (ytd only) | 5.8180% | 2,292 |
| Net charge-offs to loans | 0.0329% | 2,982 |
| Credit loss provision to net charge-offs | 678.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 48.5364% | 1,097 |
| Efficiency ratio | 73.8611% | 2,309 |
| Assets per employee ($millions) | 3.6783% | 4,518 |
| Cash dividends to net income (ytd only)* | 32.2416% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7036% | 5,423 |
| Loan loss allowance to noncurrent loans | 247.2759% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 4,272 |
| Noncurrent loans to loans | 0.2845% | 4,243 |
| Net loans and leases to total assets | 79.3895% | 989 |
| Net loans and leases to deposits | 100.5204% | 677 |
| Net loans and leases to core deposits | 109.2417% | 969 |
| Total domestic deposits to total assets | 78.9785% | 4,731 |
| Equity capital to assets | 9.9830% | 4,142 |
| Core capital (leverage) ratio | 9.8838% | 3,717 |
| Tier 1 risk-based capital ratio | 12.1348% | 4,708 |
| Total risk-based capital ratio | 12.8206% | 4,957 |
| Memoranda: | ||
| Average total assets | $247,075,500 | 2,542 |
| Average earning assets | $224,880,000 | 2,561 |
| Average equity | $24,177,250 | 2,805 |
| Average total loans | $202,346,250 | 2,104 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3379% | 334 |
| Cost of funding earning assets | 0.8092% | 468 |
| Net interest margin | 4.5288% | 577 |
| Noninterest income to average assets | 0.8486% | 1,554 |
| Noninterest expense to average assets | 3.7536% | 817 |
| Loan and lease loss provision to assets | 0.1918% | 1,129 |
| Net operating income to assets | 0.7332% | 3,638 |
| Return on assets (ROA) | 0.7332% | 3,800 |
| Pretax return on assets | 1.0201% | 3,513 |
| Return on Equity (ROE) | 7.5440% | 3,236 |
| Retained earnings to average equity (ytd only) | 4.1735% | 3,247 |
| Net charge-offs to loans | 0.0443% | 2,583 |
| Credit loss provision to net charge-offs | 524.4444% | 631 |
| Earnings coverage of net charge-offs (x) | 33.1333% | 1,315 |
| Efficiency ratio | 75.5934% | 2,132 |
| Assets per employee ($millions) | 3.3298% | 5,016 |
| Cash dividends to net income (ytd only)* | 44.6785% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6411% | 5,628 |
| Loan loss allowance to noncurrent loans | 224.1438% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 4,357 |
| Noncurrent loans to loans | 0.2860% | 4,349 |
| Net loans and leases to total assets | 81.2327% | 719 |
| Net loans and leases to deposits | 102.6608% | 526 |
| Net loans and leases to core deposits | 109.9966% | 933 |
| Total domestic deposits to total assets | 79.1273% | 4,752 |
| Equity capital to assets | 9.7762% | 4,479 |
| Core capital (leverage) ratio | 9.6187% | 4,042 |
| Tier 1 risk-based capital ratio | 11.7462% | 5,008 |
| Total risk-based capital ratio | 12.3779% | 5,266 |
| Memoranda: | ||
| Average total assets | $246,059,000 | 2,565 |
| Average earning assets | $223,682,000 | 2,582 |
| Average equity | $23,913,000 | 2,838 |
| Average total loans | $203,135,000 | 2,108 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2769% | 370 |
| Cost of funding earning assets | 0.7875% | 523 |
| Net interest margin | 4.4894% | 618 |
| Noninterest income to average assets | 0.7878% | 1,666 |
| Noninterest expense to average assets | 3.8375% | 734 |
| Loan and lease loss provision to assets | 0.2047% | 957 |
| Net operating income to assets | 0.5536% | 4,398 |
| Return on assets (ROA) | 0.5536% | 4,503 |
| Pretax return on assets | 0.8353% | 4,078 |
| Return on Equity (ROE) | 5.7138% | 4,127 |
| Retained earnings to average equity (ytd only) | 3.8881% | 3,551 |
| Net charge-offs to loans | 0.0671% | 1,816 |
| Credit loss provision to net charge-offs | 367.6471% | 750 |
| Earnings coverage of net charge-offs (x) | 18.6765% | 1,533 |
| Efficiency ratio | 78.6770% | 1,805 |
| Assets per employee ($millions) | 3.4451% | 4,892 |
| Cash dividends to net income (ytd only)* | 31.9527% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5989% | 5,746 |
| Loan loss allowance to noncurrent loans | 212.1053% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 4,180 |
| Noncurrent loans to loans | 0.2824% | 4,421 |
| Net loans and leases to total assets | 80.8984% | 702 |
| Net loans and leases to deposits | 102.2419% | 495 |
| Net loans and leases to core deposits | 109.3935% | 884 |
| Total domestic deposits to total assets | 79.1245% | 4,939 |
| Equity capital to assets | 9.7340% | 4,416 |
| Core capital (leverage) ratio | 9.7270% | 3,875 |
| Tier 1 risk-based capital ratio | 11.6208% | 5,158 |
| Total risk-based capital ratio | 12.2045% | 5,438 |
| Memoranda: | ||
| Average total assets | $244,219,500 | 2,592 |
| Average earning assets | $222,478,000 | 2,603 |
| Average equity | $23,662,000 | 2,860 |
| Average total loans | $202,613,500 | 2,117 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4276% | 304 |
| Cost of funding earning assets | 0.7963% | 499 |
| Net interest margin | 4.6313% | 511 |
| Noninterest income to average assets | 0.8639% | 1,550 |
| Noninterest expense to average assets | 4.0241% | 649 |
| Loan and lease loss provision to assets | 0.0944% | 2,431 |
| Net operating income to assets | 0.6883% | 3,873 |
| Return on assets (ROA) | 0.6883% | 3,973 |
| Pretax return on assets | 0.9843% | 3,529 |
| Return on Equity (ROE) | 7.5164% | 3,242 |
| Retained earnings to average equity (ytd only) | 4.6640% | 2,671 |
| Net charge-offs to loans | 0.1357% | 2,000 |
| Credit loss provision to net charge-offs | 81.3688% | 2,923 |
| Earnings coverage of net charge-offs (x) | 9.2966% | 2,836 |
| Efficiency ratio | 78.7740% | 1,850 |
| Assets per employee ($millions) | 3.3388% | 5,087 |
| Cash dividends to net income (ytd only)* | 37.9487% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5498% | 5,872 |
| Loan loss allowance to noncurrent loans | 111.3546% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 2,990 |
| Noncurrent loans to loans | 0.4937% | 3,717 |
| Net loans and leases to total assets | 84.1268% | 379 |
| Net loans and leases to deposits | 108.0598% | 297 |
| Net loans and leases to core deposits | 114.9063% | 641 |
| Total domestic deposits to total assets | 77.8520% | 5,197 |
| Equity capital to assets | 9.6422% | 4,384 |
| Core capital (leverage) ratio | 9.9484% | 3,579 |
| Tier 1 risk-based capital ratio | 11.2004% | 5,423 |
| Total risk-based capital ratio | 11.7423% | 5,701 |
| Memoranda: | ||
| Average total assets | $226,658,400 | 2,693 |
| Average earning assets | $207,456,800 | 2,700 |
| Average equity | $20,754,600 | 3,100 |
| Average total loans | $193,747,400 | 2,135 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4015% | 316 |
| Cost of funding earning assets | 0.7885% | 528 |
| Net interest margin | 4.6130% | 529 |
| Noninterest income to average assets | 0.8577% | 1,592 |
| Noninterest expense to average assets | 4.0902% | 604 |
| Loan and lease loss provision to assets | 0.0806% | 2,559 |
| Net operating income to assets | 0.6863% | 3,963 |
| Return on assets (ROA) | 0.6863% | 4,081 |
| Pretax return on assets | 0.9186% | 3,919 |
| Return on Equity (ROE) | 7.6033% | 3,284 |
| Retained earnings to average equity (ytd only) | 4.6322% | 3,177 |
| Net charge-offs to loans | 0.1254% | 1,871 |
| Credit loss provision to net charge-offs | 75.0000% | 2,680 |
| Earnings coverage of net charge-offs (x) | 9.2946% | 2,713 |
| Efficiency ratio | 80.2723% | 1,622 |
| Assets per employee ($millions) | 3.1628% | 5,350 |
| Cash dividends to net income (ytd only)* | 39.0774% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5539% | 5,957 |
| Loan loss allowance to noncurrent loans | 76.5870% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 2,855 |
| Noncurrent loans to loans | 0.7232% | 3,166 |
| Net loans and leases to total assets | 88.4618% | 114 |
| Net loans and leases to deposits | 109.1257% | 271 |
| Net loans and leases to core deposits | 116.0597% | 591 |
| Total domestic deposits to total assets | 81.0641% | 4,460 |
| Equity capital to assets | 9.6017% | 4,635 |
| Core capital (leverage) ratio | 9.4611% | 4,351 |
| Tier 1 risk-based capital ratio | 10.8226% | 5,747 |
| Total risk-based capital ratio | 11.3799% | 5,947 |
| Memoranda: | ||
| Average total assets | $223,225,000 | 2,745 |
| Average earning assets | $204,777,500 | 2,741 |
| Average equity | $20,148,500 | 3,189 |
| Average total loans | $191,346,250 | 2,164 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3398% | 341 |
| Cost of funding earning assets | 0.7628% | 602 |
| Net interest margin | 4.5770% | 549 |
| Noninterest income to average assets | 0.8569% | 1,581 |
| Noninterest expense to average assets | 4.1312% | 590 |
| Loan and lease loss provision to assets | 0.1037% | 2,092 |
| Net operating income to assets | 0.5746% | 4,450 |
| Return on assets (ROA) | 0.5746% | 4,552 |
| Pretax return on assets | 0.7947% | 4,336 |
| Return on Equity (ROE) | 6.5079% | 3,876 |
| Retained earnings to average equity (ytd only) | 3.3816% | 3,884 |
| Net charge-offs to loans | 0.1780% | 1,391 |
| Credit loss provision to net charge-offs | 68.8623% | 2,473 |
| Earnings coverage of net charge-offs (x) | 5.9641% | 2,851 |
| Efficiency ratio | 82.0481% | 1,485 |
| Assets per employee ($millions) | 2.9708% | 5,629 |
| Cash dividends to net income (ytd only)* | 48.0377% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5708% | 6,019 |
| Loan loss allowance to noncurrent loans | 71.1735% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 2,640 |
| Noncurrent loans to loans | 0.8020% | 3,109 |
| Net loans and leases to total assets | 88.4256% | 118 |
| Net loans and leases to deposits | 108.6638% | 291 |
| Net loans and leases to core deposits | 114.9778% | 627 |
| Total domestic deposits to total assets | 81.3754% | 4,498 |
| Equity capital to assets | 8.9957% | 5,236 |
| Core capital (leverage) ratio | 9.0243% | 4,933 |
| Tier 1 risk-based capital ratio | 10.1864% | 6,034 |
| Total risk-based capital ratio | 10.7635% | 6,181 |
| Memoranda: | ||
| Average total assets | $221,726,330 | 2,779 |
| Average earning assets | $202,142,330 | 2,798 |
| Average equity | $19,576,330 | 3,267 |
| Average total loans | $187,605,670 | 2,206 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 364 |
| Cost of funding earning assets | 0.7316% | 724 |
| Net interest margin | 4.5451% | 557 |
| Noninterest income to average assets | 0.8299% | 1,602 |
| Noninterest expense to average assets | 4.1766% | 567 |
| Loan and lease loss provision to assets | 0.0898% | 2,194 |
| Net operating income to assets | 0.4886% | 4,740 |
| Return on assets (ROA) | 0.4886% | 4,861 |
| Pretax return on assets | 0.6593% | 4,727 |
| Return on Equity (ROE) | 5.5862% | 4,241 |
| Retained earnings to average equity (ytd only) | 1.2733% | 4,974 |
| Net charge-offs to loans | 0.1154% | 1,598 |
| Credit loss provision to net charge-offs | 94.3396% | 1,713 |
| Earnings coverage of net charge-offs (x) | 7.8679% | 2,131 |
| Efficiency ratio | 84.6827% | 1,300 |
| Assets per employee ($millions) | 3.1810% | 5,440 |
| Cash dividends to net income (ytd only)* | 77.2059% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6163% | 6,040 |
| Loan loss allowance to noncurrent loans | 47.9802% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 2.3691% | 926 |
| Noncurrent loans to loans | 1.2845% | 2,232 |
| Net loans and leases to total assets | 81.9512% | 465 |
| Net loans and leases to deposits | 99.6173% | 582 |
| Net loans and leases to core deposits | 104.8013% | 1,013 |
| Total domestic deposits to total assets | 82.2660% | 4,429 |
| Equity capital to assets | 8.5171% | 5,729 |
| Core capital (leverage) ratio | 8.9060% | 5,065 |
| Tier 1 risk-based capital ratio | 10.0701% | 6,155 |
| Total risk-based capital ratio | 10.6735% | 6,261 |
| Memoranda: | ||
| Average total assets | $222,670,500 | 2,784 |
| Average earning assets | $200,653,500 | 2,830 |
| Average equity | $19,476,500 | 3,294 |
| Average total loans | $183,654,000 | 2,245 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6225% | 265 |
| Cost of funding earning assets | 0.8116% | 616 |
| Net interest margin | 4.8109% | 429 |
| Noninterest income to average assets | 0.9474% | 1,355 |
| Noninterest expense to average assets | 4.1686% | 622 |
| Loan and lease loss provision to assets | 0.0278% | 4,048 |
| Net operating income to assets | 0.7279% | 3,750 |
| Return on assets (ROA) | 0.7279% | 3,857 |
| Pretax return on assets | 1.1024% | 3,073 |
| Return on Equity (ROE) | 8.4094% | 2,905 |
| Retained earnings to average equity (ytd only) | 6.1300% | 1,844 |
| Net charge-offs to loans | 0.0024% | 4,922 |
| Credit loss provision to net charge-offs | 1,350.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 548.5000% | 96 |
| Efficiency ratio | 78.4950% | 2,134 |
| Assets per employee ($millions) | 3.1810% | 5,457 |
| Cash dividends to net income (ytd only)* | 27.1054% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 6,068 |
| Loan loss allowance to noncurrent loans | 43.0627% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 2.6398% | 852 |
| Noncurrent loans to loans | 1.5186% | 1,933 |
| Net loans and leases to total assets | 81.9581% | 525 |
| Net loans and leases to deposits | 100.8734% | 576 |
| Net loans and leases to core deposits | 106.6698% | 973 |
| Total domestic deposits to total assets | 81.2484% | 4,664 |
| Equity capital to assets | 8.9900% | 5,303 |
| Core capital (leverage) ratio | 9.1838% | 4,703 |
| Tier 1 risk-based capital ratio | 10.5877% | 6,063 |
| Total risk-based capital ratio | 11.2312% | 6,213 |
| Memoranda: | ||
| Average total assets | $194,119,800 | 3,059 |
| Average earning assets | $175,581,600 | 3,093 |
| Average equity | $16,802,600 | 3,557 |
| Average total loans | $163,675,800 | 2,396 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6552% | 245 |
| Cost of funding earning assets | 0.8023% | 673 |
| Net interest margin | 4.8529% | 378 |
| Noninterest income to average assets | 0.9835% | 1,272 |
| Noninterest expense to average assets | 4.1065% | 682 |
| Loan and lease loss provision to assets | 0.0382% | 3,643 |
| Net operating income to assets | 0.8675% | 3,087 |
| Return on assets (ROA) | 0.8675% | 3,172 |
| Pretax return on assets | 1.2395% | 2,615 |
| Return on Equity (ROE) | 10.1350% | 2,153 |
| Retained earnings to average equity (ytd only) | 7.9130% | 1,407 |
| Net charge-offs to loans | 0.0108% | 4,357 |
| Credit loss provision to net charge-offs | 415.3846% | 675 |
| Earnings coverage of net charge-offs (x) | 139.0231% | 438 |
| Efficiency ratio | 76.0998% | 2,476 |
| Assets per employee ($millions) | 3.0631% | 5,662 |
| Cash dividends to net income (ytd only)* | 21.9235% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6579% | 6,157 |
| Loan loss allowance to noncurrent loans | 46.2151% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 2.8393% | 856 |
| Noncurrent loans to loans | 1.4237% | 2,283 |
| Net loans and leases to total assets | 85.3435% | 236 |
| Net loans and leases to deposits | 100.8539% | 569 |
| Net loans and leases to core deposits | 107.2127% | 889 |
| Total domestic deposits to total assets | 84.6209% | 3,491 |
| Equity capital to assets | 8.9531% | 5,399 |
| Core capital (leverage) ratio | 9.2300% | 4,738 |
| Tier 1 risk-based capital ratio | 10.1603% | 6,309 |
| Total risk-based capital ratio | 10.8096% | 6,400 |
| Memoranda: | ||
| Average total assets | $188,573,000 | 3,145 |
| Average earning assets | $171,000,500 | 3,170 |
| Average equity | $16,141,750 | 3,670 |
| Average total loans | $159,982,750 | 2,445 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6095% | 257 |
| Cost of funding earning assets | 0.7979% | 715 |
| Net interest margin | 4.8116% | 406 |
| Noninterest income to average assets | 0.9890% | 1,232 |
| Noninterest expense to average assets | 4.1241% | 658 |
| Loan and lease loss provision to assets | 0.0033% | 4,149 |
| Net operating income to assets | 0.8819% | 2,902 |
| Return on assets (ROA) | 0.8819% | 2,986 |
| Pretax return on assets | 1.2108% | 2,624 |
| Return on Equity (ROE) | 10.4821% | 1,947 |
| Retained earnings to average equity (ytd only) | 8.2350% | 1,236 |
| Net charge-offs to loans | 0.0168% | 3,886 |
| Credit loss provision to net charge-offs | 23.0769% | 3,151 |
| Earnings coverage of net charge-offs (x) | 85.4615% | 625 |
| Efficiency ratio | 77.0727% | 2,443 |
| Assets per employee ($millions) | 2.9542% | 5,813 |
| Cash dividends to net income (ytd only)* | 21.4374% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6704% | 6,219 |
| Loan loss allowance to noncurrent loans | 52.5842% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 2.8988% | 891 |
| Noncurrent loans to loans | 1.2749% | 2,675 |
| Net loans and leases to total assets | 84.2741% | 279 |
| Net loans and leases to deposits | 99.8693% | 564 |
| Net loans and leases to core deposits | 105.6525% | 916 |
| Total domestic deposits to total assets | 84.3844% | 3,788 |
| Equity capital to assets | 8.9497% | 5,355 |
| Core capital (leverage) ratio | 9.4751% | 4,365 |
| Tier 1 risk-based capital ratio | 10.1345% | 6,353 |
| Total risk-based capital ratio | 10.7863% | 6,473 |
| Memoranda: | ||
| Average total assets | $183,022,000 | 3,218 |
| Average earning assets | $165,433,670 | 3,255 |
| Average equity | $15,397,670 | 3,787 |
| Average total loans | $154,541,330 | 2,508 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6522% | 240 |
| Cost of funding earning assets | 0.8286% | 644 |
| Net interest margin | 4.8235% | 366 |
| Noninterest income to average assets | 0.9534% | 1,251 |
| Noninterest expense to average assets | 3.8951% | 866 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1071% | 1,789 |
| Return on assets (ROA) | 1.1071% | 1,844 |
| Pretax return on assets | 1.3985% | 1,753 |
| Return on Equity (ROE) | 13.6381% | 1,008 |
| Retained earnings to average equity (ytd only) | 11.6898% | 649 |
| Net charge-offs to loans | -0.0510% | 5,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4102% | 3,245 |
| Assets per employee ($millions) | 2.9110% | 5,964 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7397% | 6,210 |
| Loan loss allowance to noncurrent loans | 53.1557% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 3.1506% | 869 |
| Noncurrent loans to loans | 1.3915% | 2,700 |
| Net loans and leases to total assets | 83.1964% | 283 |
| Net loans and leases to deposits | 98.3372% | 519 |
| Net loans and leases to core deposits | 104.8617% | 804 |
| Total domestic deposits to total assets | 84.6032% | 4,044 |
| Equity capital to assets | 8.2805% | 5,842 |
| Core capital (leverage) ratio | 8.6625% | 5,439 |
| Tier 1 risk-based capital ratio | 9.4567% | 6,553 |
| Total risk-based capital ratio | 10.1733% | 6,596 |
| Memoranda: | ||
| Average total assets | $177,044,000 | 3,308 |
| Average earning assets | $159,302,000 | 3,352 |
| Average equity | $14,371,500 | 3,978 |
| Average total loans | $149,099,500 | 2,601 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8267% | 219 |
| Cost of funding earning assets | 0.9798% | 496 |
| Net interest margin | 4.8469% | 395 |
| Noninterest income to average assets | 0.8351% | 1,917 |
| Noninterest expense to average assets | 4.2415% | 670 |
| Loan and lease loss provision to assets | 0.3060% | 1,093 |
| Net operating income to assets | 0.3323% | 5,401 |
| Return on assets (ROA) | 0.3323% | 5,510 |
| Pretax return on assets | 0.6082% | 4,853 |
| Return on Equity (ROE) | 3.8202% | 5,191 |
| Retained earnings to average equity (ytd only) | -0.1874% | 5,914 |
| Net charge-offs to loans | 0.0328% | 4,776 |
| Credit loss provision to net charge-offs | 1,109.0909% | 225 |
| Earnings coverage of net charge-offs (x) | 33.1364% | 1,088 |
| Efficiency ratio | 82.0503% | 1,869 |
| Assets per employee ($millions) | 2.8449% | 6,050 |
| Cash dividends to net income (ytd only)* | 104.9057% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7745% | 6,221 |
| Loan loss allowance to noncurrent loans | 52.4859% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 3.3809% | 888 |
| Noncurrent loans to loans | 1.4756% | 2,680 |
| Net loans and leases to total assets | 83.9900% | 255 |
| Net loans and leases to deposits | 97.7900% | 602 |
| Net loans and leases to core deposits | 104.9355% | 860 |
| Total domestic deposits to total assets | 85.8881% | 3,321 |
| Equity capital to assets | 7.9423% | 6,062 |
| Core capital (leverage) ratio | 8.0690% | 6,082 |
| Tier 1 risk-based capital ratio | 8.9351% | 6,666 |
| Total risk-based capital ratio | 9.6826% | 6,683 |
| Memoranda: | ||
| Average total assets | $159,493,800 | 3,570 |
| Average earning assets | $142,174,200 | 3,630 |
| Average equity | $13,873,800 | 4,091 |
| Average total loans | $134,181,200 | 2,789 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8530% | 221 |
| Cost of funding earning assets | 1.0067% | 476 |
| Net interest margin | 4.8463% | 395 |
| Noninterest income to average assets | 0.8092% | 2,102 |
| Noninterest expense to average assets | 3.9984% | 861 |
| Loan and lease loss provision to assets | 0.2119% | 1,723 |
| Net operating income to assets | 0.8637% | 3,028 |
| Return on assets (ROA) | 0.8637% | 3,137 |
| Pretax return on assets | 0.9164% | 3,806 |
| Return on Equity (ROE) | 9.6990% | 2,305 |
| Retained earnings to average equity (ytd only) | 6.6698% | 2,052 |
| Net charge-offs to loans | 0.0365% | 4,414 |
| Credit loss provision to net charge-offs | 691.6667% | 420 |
| Earnings coverage of net charge-offs (x) | 36.8325% | 1,064 |
| Efficiency ratio | 77.7759% | 2,454 |
| Assets per employee ($millions) | 2.7424% | 6,227 |
| Cash dividends to net income (ytd only)* | 31.2318% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6400% | 6,515 |
| Loan loss allowance to noncurrent loans | 42.9540% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 3.6069% | 922 |
| Noncurrent loans to loans | 1.4899% | 2,930 |
| Net loans and leases to total assets | 86.5822% | 125 |
| Net loans and leases to deposits | 100.9108% | 434 |
| Net loans and leases to core deposits | 109.3671% | 602 |
| Total domestic deposits to total assets | 85.8007% | 3,354 |
| Equity capital to assets | 8.9792% | 5,211 |
| Core capital (leverage) ratio | 9.0079% | 5,116 |
| Tier 1 risk-based capital ratio | 9.9920% | 6,598 |
| Total risk-based capital ratio | 10.6201% | 6,675 |
| Memoranda: | ||
| Average total assets | $156,694,000 | 3,643 |
| Average earning assets | $139,594,500 | 3,704 |
| Average equity | $13,953,000 | 4,124 |
| Average total loans | $131,605,500 | 2,844 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8369% | 227 |
| Cost of funding earning assets | 1.0339% | 459 |
| Net interest margin | 4.8030% | 433 |
| Noninterest income to average assets | 0.9749% | 1,593 |
| Noninterest expense to average assets | 4.0088% | 854 |
| Loan and lease loss provision to assets | 0.2168% | 1,751 |
| Net operating income to assets | 0.9172% | 2,709 |
| Return on assets (ROA) | 0.9172% | 2,848 |
| Pretax return on assets | 1.0224% | 3,405 |
| Return on Equity (ROE) | 10.3299% | 2,075 |
| Retained earnings to average equity (ytd only) | 7.4115% | 1,708 |
| Net charge-offs to loans | 0.0572% | 3,884 |
| Credit loss provision to net charge-offs | 456.7568% | 596 |
| Earnings coverage of net charge-offs (x) | 26.1081% | 1,248 |
| Efficiency ratio | 76.1672% | 2,757 |
| Assets per employee ($millions) | 2.7736% | 6,192 |
| Cash dividends to net income (ytd only)* | 28.2517% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6194% | 6,589 |
| Loan loss allowance to noncurrent loans | 262.8664% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 2.5747% | 1,631 |
| Noncurrent loans to loans | 0.2356% | 5,716 |
| Net loans and leases to total assets | 83.3578% | 275 |
| Net loans and leases to deposits | 97.3745% | 583 |
| Net loans and leases to core deposits | 105.6414% | 753 |
| Total domestic deposits to total assets | 85.6054% | 3,579 |
| Equity capital to assets | 9.0766% | 5,140 |
| Core capital (leverage) ratio | 8.8667% | 5,196 |
| Tier 1 risk-based capital ratio | 10.3685% | 6,548 |
| Total risk-based capital ratio | 10.9687% | 6,672 |
| Memoranda: | ||
| Average total assets | $155,906,330 | 3,672 |
| Average earning assets | $138,703,670 | 3,744 |
| Average equity | $13,843,330 | 4,178 |
| Average total loans | $129,273,330 | 2,897 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7453% | 254 |
| Cost of funding earning assets | 1.0334% | 514 |
| Net interest margin | 4.7119% | 463 |
| Noninterest income to average assets | 0.7887% | 2,170 |
| Noninterest expense to average assets | 3.9130% | 983 |
| Loan and lease loss provision to assets | 0.2228% | 1,655 |
| Net operating income to assets | 0.9347% | 2,498 |
| Return on assets (ROA) | 0.9347% | 2,641 |
| Pretax return on assets | 0.8681% | 3,880 |
| Return on Equity (ROE) | 10.6445% | 1,819 |
| Retained earnings to average equity (ytd only) | 7.6990% | 1,861 |
| Net charge-offs to loans | 0.1087% | 2,786 |
| Credit loss provision to net charge-offs | 248.5714% | 931 |
| Earnings coverage of net charge-offs (x) | 12.1714% | 1,619 |
| Efficiency ratio | 77.9939% | 2,610 |
| Assets per employee ($millions) | 3.2643% | 5,515 |
| Cash dividends to net income (ytd only)* | 27.6712% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 6,746 |
| Loan loss allowance to noncurrent loans | 625.0000% | 701 |
| Noncurrent assets plus other real estate owned to assets | 2.4676% | 1,871 |
| Noncurrent loans to loans | 0.0896% | 6,208 |
| Net loans and leases to total assets | 80.4618% | 388 |
| Net loans and leases to deposits | 93.3082% | 709 |
| Net loans and leases to core deposits | 101.4520% | 861 |
| Total domestic deposits to total assets | 86.2322% | 3,397 |
| Equity capital to assets | 8.6575% | 5,854 |
| Core capital (leverage) ratio | 8.7775% | 5,224 |
| Tier 1 risk-based capital ratio | 10.2465% | 6,648 |
| Total risk-based capital ratio | 10.7885% | 6,744 |
| Memoranda: | ||
| Average total assets | $156,198,500 | 3,705 |
| Average earning assets | $139,731,000 | 3,770 |
| Average equity | $13,716,000 | 4,243 |
| Average total loans | $128,770,000 | 2,910 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0661% | 242 |
| Cost of funding earning assets | 1.2167% | 538 |
| Net interest margin | 4.8494% | 498 |
| Noninterest income to average assets | 0.6429% | 3,031 |
| Noninterest expense to average assets | 4.1697% | 806 |
| Loan and lease loss provision to assets | 0.1607% | 3,606 |
| Net operating income to assets | 0.4270% | 4,981 |
| Return on assets (ROA) | 0.4270% | 5,233 |
| Pretax return on assets | 0.6128% | 4,960 |
| Return on Equity (ROE) | 4.4052% | 4,972 |
| Retained earnings to average equity (ytd only) | -1.9899% | 6,153 |
| Net charge-offs to loans | 0.2030% | 3,757 |
| Credit loss provision to net charge-offs | 95.8333% | 3,238 |
| Earnings coverage of net charge-offs (x) | 4.6125% | 3,306 |
| Efficiency ratio | 84.0967% | 1,623 |
| Assets per employee ($millions) | 2.9891% | 6,035 |
| Cash dividends to net income (ytd only)* | 145.1718% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5269% | 6,818 |
| Loan loss allowance to noncurrent loans | 270.0000% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 2.6521% | 1,826 |
| Noncurrent loans to loans | 0.1951% | 5,978 |
| Net loans and leases to total assets | 83.5973% | 239 |
| Net loans and leases to deposits | 97.6372% | 526 |
| Net loans and leases to core deposits | 105.5597% | 710 |
| Total domestic deposits to total assets | 85.6203% | 3,545 |
| Equity capital to assets | 8.9108% | 5,621 |
| Core capital (leverage) ratio | 8.9695% | 4,950 |
| Tier 1 risk-based capital ratio | 10.5667% | 6,530 |
| Total risk-based capital ratio | 11.0964% | 6,706 |
| Memoranda: | ||
| Average total assets | $143,103,600 | 3,892 |
| Average earning assets | $126,901,400 | 3,968 |
| Average equity | $13,870,000 | 4,187 |
| Average total loans | $118,198,200 | 3,121 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0634% | 263 |
| Cost of funding earning assets | 1.2664% | 514 |
| Net interest margin | 4.7971% | 566 |
| Noninterest income to average assets | 0.6876% | 2,772 |
| Noninterest expense to average assets | 4.1476% | 775 |
| Loan and lease loss provision to assets | 0.1411% | 3,770 |
| Net operating income to assets | 0.6213% | 4,292 |
| Return on assets (ROA) | 0.6213% | 4,547 |
| Pretax return on assets | 0.6469% | 5,022 |
| Return on Equity (ROE) | 6.2736% | 4,188 |
| Retained earnings to average equity (ytd only) | 1.9414% | 5,358 |
| Net charge-offs to loans | 0.1855% | 3,633 |
| Credit loss provision to net charge-offs | 92.5466% | 3,221 |
| Earnings coverage of net charge-offs (x) | 5.1678% | 3,092 |
| Efficiency ratio | 83.7843% | 1,617 |
| Assets per employee ($millions) | 2.9460% | 6,135 |
| Cash dividends to net income (ytd only)* | 69.0547% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5556% | 6,912 |
| Loan loss allowance to noncurrent loans | 170.9924% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 3.0974% | 1,680 |
| Noncurrent loans to loans | 0.3249% | 5,826 |
| Net loans and leases to total assets | 85.0524% | 183 |
| Net loans and leases to deposits | 100.8308% | 406 |
| Net loans and leases to core deposits | 108.3006% | 639 |
| Total domestic deposits to total assets | 84.3516% | 4,060 |
| Equity capital to assets | 9.9443% | 4,579 |
| Core capital (leverage) ratio | 10.0264% | 3,504 |
| Tier 1 risk-based capital ratio | 11.7011% | 6,114 |
| Total risk-based capital ratio | 12.2653% | 6,456 |
| Memoranda: | ||
| Average total assets | $140,768,500 | 3,977 |
| Average earning assets | $124,656,750 | 4,048 |
| Average equity | $13,941,500 | 4,205 |
| Average total loans | $115,719,250 | 3,209 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9523% | 315 |
| Cost of funding earning assets | 1.3122% | 498 |
| Net interest margin | 4.6401% | 762 |
| Noninterest income to average assets | 0.6958% | 2,698 |
| Noninterest expense to average assets | 4.0838% | 851 |
| Loan and lease loss provision to assets | 0.1836% | 3,267 |
| Net operating income to assets | 0.5151% | 4,744 |
| Return on assets (ROA) | 0.5151% | 5,011 |
| Pretax return on assets | 0.5393% | 5,339 |
| Return on Equity (ROE) | 5.2081% | 4,701 |
| Retained earnings to average equity (ytd only) | 1.1078% | 5,630 |
| Net charge-offs to loans | 0.1141% | 4,033 |
| Credit loss provision to net charge-offs | 198.4615% | 1,437 |
| Earnings coverage of net charge-offs (x) | 7.8154% | 2,415 |
| Efficiency ratio | 84.6951% | 1,564 |
| Assets per employee ($millions) | 3.1463% | 5,762 |
| Cash dividends to net income (ytd only)* | 78.7293% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6375% | 6,893 |
| Loan loss allowance to noncurrent loans | 148.1188% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 3.0906% | 1,773 |
| Noncurrent loans to loans | 0.4304% | 5,675 |
| Net loans and leases to total assets | 80.5518% | 444 |
| Net loans and leases to deposits | 94.9519% | 700 |
| Net loans and leases to core deposits | 101.3695% | 1,015 |
| Total domestic deposits to total assets | 84.8343% | 3,938 |
| Equity capital to assets | 9.6298% | 4,866 |
| Core capital (leverage) ratio | 10.4334% | 2,877 |
| Tier 1 risk-based capital ratio | 11.7830% | 6,068 |
| Total risk-based capital ratio | 12.4213% | 6,393 |
| Memoranda: | ||
| Average total assets | $140,555,670 | 3,999 |
| Average earning assets | $124,523,330 | 4,067 |
| Average equity | $13,901,330 | 4,213 |
| Average total loans | $113,978,330 | 3,250 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9251% | 344 |
| Cost of funding earning assets | 1.4189% | 397 |
| Net interest margin | 4.5062% | 1,004 |
| Noninterest income to average assets | 0.7540% | 2,376 |
| Noninterest expense to average assets | 3.9431% | 1,001 |
| Loan and lease loss provision to assets | 0.3149% | 1,990 |
| Net operating income to assets | 0.5142% | 4,760 |
| Return on assets (ROA) | 0.5142% | 4,972 |
| Pretax return on assets | 0.5142% | 5,379 |
| Return on Equity (ROE) | 5.1284% | 4,725 |
| Retained earnings to average equity (ytd only) | 1.4694% | 5,504 |
| Net charge-offs to loans | 0.0142% | 4,496 |
| Credit loss provision to net charge-offs | 2,725.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 71.7500% | 466 |
| Efficiency ratio | 82.3850% | 1,889 |
| Assets per employee ($millions) | 3.0287% | 6,103 |
| Cash dividends to net income (ytd only)* | 71.3483% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 6,871 |
| Loan loss allowance to noncurrent loans | 89.0395% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 3.2519% | 1,778 |
| Noncurrent loans to loans | 0.7862% | 5,098 |
| Net loans and leases to total assets | 82.0142% | 278 |
| Net loans and leases to deposits | 97.6816% | 454 |
| Net loans and leases to core deposits | 103.1257% | 803 |
| Total domestic deposits to total assets | 83.9608% | 4,510 |
| Equity capital to assets | 10.2054% | 3,841 |
| Core capital (leverage) ratio | 10.2467% | 3,053 |
| Tier 1 risk-based capital ratio | 12.4236% | 5,664 |
| Total risk-based capital ratio | 13.1342% | 6,026 |
| Memoranda: | ||
| Average total assets | $138,469,500 | 4,063 |
| Average earning assets | $123,474,000 | 4,117 |
| Average equity | $13,883,500 | 4,223 |
| Average total loans | $112,303,000 | 3,309 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1415% | 343 |
| Cost of funding earning assets | 1.5388% | 614 |
| Net interest margin | 4.6027% | 921 |
| Noninterest income to average assets | 0.7179% | 2,504 |
| Noninterest expense to average assets | 4.1132% | 896 |
| Loan and lease loss provision to assets | 0.0870% | 5,504 |
| Net operating income to assets | 0.5105% | 4,370 |
| Return on assets (ROA) | 0.5105% | 4,586 |
| Pretax return on assets | 0.6585% | 4,482 |
| Return on Equity (ROE) | 5.6975% | 4,028 |
| Retained earnings to average equity (ytd only) | 2.0718% | 4,738 |
| Net charge-offs to loans | 0.3933% | 3,451 |
| Credit loss provision to net charge-offs | 27.5229% | 5,818 |
| Earnings coverage of net charge-offs (x) | 2.3578% | 4,042 |
| Efficiency ratio | 84.3881% | 1,722 |
| Assets per employee ($millions) | 3.1965% | 5,711 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6105% | 7,005 |
| Loan loss allowance to noncurrent loans | 38.4918% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 3.5045% | 1,690 |
| Noncurrent loans to loans | 1.5860% | 3,783 |
| Net loans and leases to total assets | 79.1735% | 585 |
| Net loans and leases to deposits | 93.6993% | 831 |
| Net loans and leases to core deposits | 100.0962% | 1,167 |
| Total domestic deposits to total assets | 84.4975% | 4,102 |
| Equity capital to assets | 9.8530% | 4,368 |
| Core capital (leverage) ratio | 9.8833% | 3,476 |
| Tier 1 risk-based capital ratio | 12.4831% | 5,466 |
| Total risk-based capital ratio | 13.1053% | 5,911 |
| Memoranda: | ||
| Average total assets | $137,897,400 | 4,017 |
| Average earning assets | $124,057,200 | 4,056 |
| Average equity | $12,356,200 | 4,466 |
| Average total loans | $110,848,400 | 3,362 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1782% | 341 |
| Cost of funding earning assets | 1.5402% | 740 |
| Net interest margin | 4.6380% | 875 |
| Noninterest income to average assets | 0.7035% | 2,585 |
| Noninterest expense to average assets | 3.9918% | 1,010 |
| Loan and lease loss provision to assets | 0.0194% | 6,194 |
| Net operating income to assets | 0.6384% | 3,929 |
| Return on assets (ROA) | 0.6384% | 4,114 |
| Pretax return on assets | 0.8648% | 3,898 |
| Return on Equity (ROE) | 7.3116% | 3,374 |
| Retained earnings to average equity (ytd only) | 4.4181% | 3,582 |
| Net charge-offs to loans | 0.2038% | 4,174 |
| Credit loss provision to net charge-offs | 11.8343% | 5,652 |
| Earnings coverage of net charge-offs (x) | 5.3845% | 2,800 |
| Efficiency ratio | 81.6062% | 2,029 |
| Assets per employee ($millions) | 3.0112% | 6,092 |
| Cash dividends to net income (ytd only)* | 39.5740% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7689% | 6,865 |
| Loan loss allowance to noncurrent loans | 47.0718% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 3.4226% | 1,845 |
| Noncurrent loans to loans | 1.6335% | 3,842 |
| Net loans and leases to total assets | 77.6906% | 743 |
| Net loans and leases to deposits | 92.0903% | 1,003 |
| Net loans and leases to core deposits | 100.3844% | 1,211 |
| Total domestic deposits to total assets | 84.3635% | 4,074 |
| Equity capital to assets | 9.8920% | 4,490 |
| Core capital (leverage) ratio | 10.2483% | 3,131 |
| Tier 1 risk-based capital ratio | 12.5846% | 5,418 |
| Total risk-based capital ratio | 13.3583% | 5,805 |
| Memoranda: | ||
| Average total assets | $137,209,750 | 4,055 |
| Average earning assets | $123,441,750 | 4,090 |
| Average equity | $11,980,750 | 4,573 |
| Average total loans | $110,550,500 | 3,399 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3017% | 277 |
| Cost of funding earning assets | 1.5210% | 935 |
| Net interest margin | 4.7807% | 622 |
| Noninterest income to average assets | 0.6938% | 2,584 |
| Noninterest expense to average assets | 4.0657% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7439% | 3,321 |
| Return on assets (ROA) | 0.7439% | 3,441 |
| Pretax return on assets | 0.9295% | 3,511 |
| Return on Equity (ROE) | 8.9320% | 2,545 |
| Retained earnings to average equity (ytd only) | 5.9782% | 2,448 |
| Net charge-offs to loans | 0.0742% | 4,904 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 15.3902% | 1,411 |
| Efficiency ratio | 81.1265% | 2,225 |
| Assets per employee ($millions) | 2.7627% | 6,532 |
| Cash dividends to net income (ytd only)* | 33.0693% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 6,730 |
| Loan loss allowance to noncurrent loans | 46.9438% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 3.4697% | 1,898 |
| Noncurrent loans to loans | 1.8528% | 3,675 |
| Net loans and leases to total assets | 79.2083% | 619 |
| Net loans and leases to deposits | 92.2587% | 1,027 |
| Net loans and leases to core deposits | 101.2221% | 1,238 |
| Total domestic deposits to total assets | 85.8546% | 3,407 |
| Equity capital to assets | 8.3222% | 6,394 |
| Core capital (leverage) ratio | 8.3349% | 5,815 |
| Tier 1 risk-based capital ratio | 10.4226% | 6,815 |
| Total risk-based capital ratio | 11.3051% | 6,950 |
| Memoranda: | ||
| Average total assets | $135,770,330 | 4,114 |
| Average earning assets | $122,156,670 | 4,141 |
| Average equity | $11,307,670 | 4,737 |
| Average total loans | $110,465,330 | 3,442 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3175% | 275 |
| Cost of funding earning assets | 1.4828% | 1,244 |
| Net interest margin | 4.8347% | 531 |
| Noninterest income to average assets | 0.6687% | 2,734 |
| Noninterest expense to average assets | 4.3125% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6122% | 3,974 |
| Return on assets (ROA) | 0.6122% | 4,040 |
| Pretax return on assets | 0.7073% | 4,279 |
| Return on Equity (ROE) | 7.3483% | 3,223 |
| Retained earnings to average equity (ytd only) | 3.9952% | 3,780 |
| Net charge-offs to loans | 0.0833% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 10.3478% | 1,642 |
| Efficiency ratio | 85.6720% | 1,751 |
| Assets per employee ($millions) | 2.9236% | 6,299 |
| Cash dividends to net income (ytd only)* | 45.6311% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 6,705 |
| Loan loss allowance to noncurrent loans | 364.9254% | 852 |
| Noncurrent assets plus other real estate owned to assets | 2.2844% | 2,965 |
| Noncurrent loans to loans | 0.2455% | 6,496 |
| Net loans and leases to total assets | 78.7302% | 649 |
| Net loans and leases to deposits | 91.6441% | 1,050 |
| Net loans and leases to core deposits | 100.1277% | 1,329 |
| Total domestic deposits to total assets | 85.9087% | 3,574 |
| Equity capital to assets | 8.2017% | 6,277 |
| Core capital (leverage) ratio | 8.4879% | 5,479 |
| Tier 1 risk-based capital ratio | 10.3963% | 6,864 |
| Total risk-based capital ratio | 11.3107% | 6,983 |
| Memoranda: | ||
| Average total assets | $134,587,000 | 4,161 |
| Average earning assets | $121,124,000 | 4,195 |
| Average equity | $11,213,500 | 4,742 |
| Average total loans | $110,510,000 | 3,473 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4343% | 354 |
| Cost of funding earning assets | 1.7588% | 1,346 |
| Net interest margin | 4.6755% | 861 |
| Noninterest income to average assets | 0.6476% | 3,167 |
| Noninterest expense to average assets | 3.9966% | 1,165 |
| Loan and lease loss provision to assets | 0.0457% | 6,707 |
| Net operating income to assets | 0.6247% | 3,564 |
| Return on assets (ROA) | 0.6247% | 3,727 |
| Pretax return on assets | 0.9089% | 3,249 |
| Return on Equity (ROE) | 7.4399% | 2,920 |
| Retained earnings to average equity (ytd only) | 5.4257% | 2,163 |
| Net charge-offs to loans | 0.1393% | 5,532 |
| Credit loss provision to net charge-offs | 39.4737% | 6,397 |
| Earnings coverage of net charge-offs (x) | 8.2434% | 1,998 |
| Efficiency ratio | 80.4431% | 2,356 |
| Assets per employee ($millions) | 2.8644% | 6,409 |
| Cash dividends to net income (ytd only)* | 27.0732% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 6,740 |
| Loan loss allowance to noncurrent loans | 645.8065% | 522 |
| Noncurrent assets plus other real estate owned to assets | 2.1455% | 3,158 |
| Noncurrent loans to loans | 0.1386% | 6,796 |
| Net loans and leases to total assets | 84.1336% | 292 |
| Net loans and leases to deposits | 98.4669% | 680 |
| Net loans and leases to core deposits | 108.0035% | 1,046 |
| Total domestic deposits to total assets | 85.4436% | 3,636 |
| Equity capital to assets | 8.4675% | 5,896 |
| Core capital (leverage) ratio | 8.7809% | 4,884 |
| Tier 1 risk-based capital ratio | 10.1803% | 6,883 |
| Total risk-based capital ratio | 11.1065% | 7,031 |
| Memoranda: | ||
| Average total assets | $131,263,200 | 4,231 |
| Average earning assets | $120,820,800 | 4,211 |
| Average equity | $11,021,600 | 4,857 |
| Average total loans | $109,091,800 | 3,564 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3796% | 434 |
| Cost of funding earning assets | 1.8251% | 1,322 |
| Net interest margin | 4.5545% | 1,144 |
| Noninterest income to average assets | 0.6903% | 2,875 |
| Noninterest expense to average assets | 3.7507% | 1,474 |
| Loan and lease loss provision to assets | 0.0610% | 6,454 |
| Net operating income to assets | 0.8530% | 2,803 |
| Return on assets (ROA) | 0.8530% | 2,931 |
| Pretax return on assets | 1.0930% | 2,847 |
| Return on Equity (ROE) | 10.1808% | 2,054 |
| Retained earnings to average equity (ytd only) | 10.1808% | 756 |
| Net charge-offs to loans | 0.1759% | 4,905 |
| Credit loss provision to net charge-offs | 41.9580% | 5,994 |
| Earnings coverage of net charge-offs (x) | 7.9372% | 2,236 |
| Efficiency ratio | 76.2023% | 2,908 |
| Assets per employee ($millions) | 2.8033% | 6,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 6,682 |
| Loan loss allowance to noncurrent loans | 55.1366% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 2.6699% | 2,703 |
| Noncurrent loans to loans | 1.6659% | 4,147 |
| Net loans and leases to total assets | 84.4045% | 305 |
| Net loans and leases to deposits | 96.8759% | 894 |
| Net loans and leases to core deposits | 104.3817% | 1,447 |
| Total domestic deposits to total assets | 87.1264% | 2,459 |
| Equity capital to assets | 8.8388% | 5,797 |
| Core capital (leverage) ratio | 8.5421% | 5,431 |
| Tier 1 risk-based capital ratio | 10.7546% | 6,583 |
| Total risk-based capital ratio | 11.7202% | 6,787 |
| Memoranda: | ||
| Average total assets | $131,138,250 | 4,297 |
| Average earning assets | $121,342,750 | 4,254 |
| Average equity | $10,987,750 | 4,928 |
| Average total loans | $108,400,250 | 3,634 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2702% | 542 |
| Cost of funding earning assets | 1.8615% | 1,375 |
| Net interest margin | 4.4087% | 1,424 |
| Noninterest income to average assets | 0.6097% | 3,264 |
| Noninterest expense to average assets | 3.5642% | 1,872 |
| Loan and lease loss provision to assets | 0.0303% | 6,638 |
| Net operating income to assets | 0.8827% | 2,613 |
| Return on assets (ROA) | 0.8827% | 2,737 |
| Pretax return on assets | 1.1208% | 2,707 |
| Return on Equity (ROE) | 10.7271% | 1,846 |
| Retained earnings to average equity (ytd only) | 10.7271% | 705 |
| Net charge-offs to loans | 0.1557% | 4,700 |
| Credit loss provision to net charge-offs | 23.8095% | 5,815 |
| Earnings coverage of net charge-offs (x) | 9.0357% | 2,063 |
| Efficiency ratio | 75.2975% | 3,207 |
| Assets per employee ($millions) | 3.0659% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 6,504 |
| Loan loss allowance to noncurrent loans | 51.7606% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 2.6034% | 2,781 |
| Noncurrent loans to loans | 1.8830% | 3,887 |
| Net loans and leases to total assets | 77.5011% | 1,195 |
| Net loans and leases to deposits | 90.5868% | 1,757 |
| Net loans and leases to core deposits | 97.4471% | 2,285 |
| Total domestic deposits to total assets | 85.5545% | 3,341 |
| Equity capital to assets | 8.2580% | 6,472 |
| Core capital (leverage) ratio | 8.2907% | 5,791 |
| Tier 1 risk-based capital ratio | 10.9610% | 6,276 |
| Total risk-based capital ratio | 11.9886% | 6,480 |
| Memoranda: | ||
| Average total assets | $131,866,330 | 4,299 |
| Average earning assets | $122,803,330 | 4,250 |
| Average equity | $10,851,000 | 4,956 |
| Average total loans | $107,916,330 | 3,682 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1806% | 668 |
| Cost of funding earning assets | 1.8312% | 1,745 |
| Net interest margin | 4.3494% | 1,537 |
| Noninterest income to average assets | 0.6107% | 3,204 |
| Noninterest expense to average assets | 3.7591% | 1,398 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9114% | 2,501 |
| Return on assets (ROA) | 0.9114% | 2,570 |
| Pretax return on assets | 0.9114% | 3,425 |
| Return on Equity (ROE) | 11.0961% | 1,759 |
| Retained earnings to average equity (ytd only) | 11.0961% | 899 |
| Net charge-offs to loans | 0.0073% | 5,492 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 148.5000% | 220 |
| Efficiency ratio | 80.2234% | 2,533 |
| Assets per employee ($millions) | 2.8894% | 6,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 6,456 |
| Loan loss allowance to noncurrent loans | 39.6583% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 2.5418% | 2,861 |
| Noncurrent loans to loans | 2.5270% | 3,146 |
| Net loans and leases to total assets | 82.8879% | 482 |
| Net loans and leases to deposits | 97.3331% | 971 |
| Net loans and leases to core deposits | 104.7488% | 1,681 |
| Total domestic deposits to total assets | 85.1590% | 3,579 |
| Equity capital to assets | 8.3484% | 6,227 |
| Core capital (leverage) ratio | 8.1559% | 5,984 |
| Tier 1 risk-based capital ratio | 10.5011% | 6,632 |
| Total risk-based capital ratio | 11.5732% | 6,789 |
| Memoranda: | ||
| Average total assets | $130,349,500 | 4,404 |
| Average earning assets | $121,671,000 | 4,335 |
| Average equity | $10,706,500 | 5,046 |
| Average total loans | $109,085,500 | 3,704 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1443% | 226 |
| Cost of funding earning assets | 2.3047% | 1,634 |
| Net interest margin | 4.8396% | 637 |
| Noninterest income to average assets | 0.6728% | 3,132 |
| Noninterest expense to average assets | 3.9259% | 1,473 |
| Loan and lease loss provision to assets | 0.8097% | 2,705 |
| Net operating income to assets | 0.1778% | 4,971 |
| Return on assets (ROA) | 0.1778% | 5,038 |
| Pretax return on assets | 0.4825% | 4,240 |
| Return on Equity (ROE) | 2.0869% | 4,869 |
| Retained earnings to average equity (ytd only) | 0.4997% | 4,626 |
| Net charge-offs to loans | 0.4090% | 4,182 |
| Credit loss provision to net charge-offs | 229.3144% | 1,611 |
| Earnings coverage of net charge-offs (x) | 3.6596% | 3,254 |
| Efficiency ratio | 74.9480% | 3,721 |
| Assets per employee ($millions) | 2.7224% | 6,810 |
| Cash dividends to net income (ytd only)* | 76.0563% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 6,385 |
| Loan loss allowance to noncurrent loans | 36.5919% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 2.7090% | 2,581 |
| Noncurrent loans to loans | 2.7327% | 2,827 |
| Net loans and leases to total assets | 82.8107% | 567 |
| Net loans and leases to deposits | 96.9225% | 1,217 |
| Net loans and leases to core deposits | 147.6148% | 568 |
| Total domestic deposits to total assets | 85.4401% | 3,326 |
| Equity capital to assets | 8.0796% | 6,492 |
| Core capital (leverage) ratio | 8.0197% | 6,144 |
| Tier 1 risk-based capital ratio | 10.1180% | 6,777 |
| Total risk-based capital ratio | 11.1829% | 6,908 |
| Memoranda: | ||
| Average total assets | $119,794,600 | 4,570 |
| Average earning assets | $112,509,600 | 4,496 |
| Average equity | $10,206,600 | 5,241 |
| Average total loans | $103,423,800 | 3,860 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2609% | 206 |
| Cost of funding earning assets | 2.3594% | 1,768 |
| Net interest margin | 4.9015% | 552 |
| Noninterest income to average assets | 0.7095% | 2,955 |
| Noninterest expense to average assets | 4.0201% | 1,249 |
| Loan and lease loss provision to assets | 0.7049% | 2,616 |
| Net operating income to assets | 0.5956% | 3,616 |
| Return on assets (ROA) | 0.5956% | 3,678 |
| Pretax return on assets | 0.5956% | 4,198 |
| Return on Equity (ROE) | 6.8914% | 3,123 |
| Retained earnings to average equity (ytd only) | 4.7567% | 2,629 |
| Net charge-offs to loans | 0.1269% | 5,425 |
| Credit loss provision to net charge-offs | 638.1443% | 590 |
| Earnings coverage of net charge-offs (x) | 11.7732% | 1,827 |
| Efficiency ratio | 75.2783% | 3,642 |
| Assets per employee ($millions) | 2.7329% | 6,777 |
| Cash dividends to net income (ytd only)* | 30.9743% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 6,276 |
| Loan loss allowance to noncurrent loans | 31.5028% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 2.9647% | 2,335 |
| Noncurrent loans to loans | 3.1783% | 2,379 |
| Net loans and leases to total assets | 83.9228% | 550 |
| Net loans and leases to deposits | 98.7079% | 1,242 |
| Net loans and leases to core deposits | 149.6553% | 587 |
| Total domestic deposits to total assets | 85.0213% | 3,224 |
| Equity capital to assets | 8.4304% | 6,346 |
| Core capital (leverage) ratio | 8.4852% | 5,523 |
| Tier 1 risk-based capital ratio | 10.4326% | 6,545 |
| Total risk-based capital ratio | 11.5008% | 6,676 |
| Memoranda: | ||
| Average total assets | $117,074,750 | 4,669 |
| Average earning assets | $110,139,250 | 4,590 |
| Average equity | $10,118,750 | 5,308 |
| Average total loans | $101,953,500 | 3,937 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4115% | 175 |
| Cost of funding earning assets | 2.3869% | 2,019 |
| Net interest margin | 5.0247% | 408 |
| Noninterest income to average assets | 0.7671% | 2,606 |
| Noninterest expense to average assets | 3.7987% | 1,660 |
| Loan and lease loss provision to assets | 0.5517% | 2,814 |
| Net operating income to assets | 1.1507% | 1,612 |
| Return on assets (ROA) | 1.1507% | 1,696 |
| Pretax return on assets | 1.1507% | 2,463 |
| Return on Equity (ROE) | 13.1941% | 1,145 |
| Retained earnings to average equity (ytd only) | 9.9408% | 748 |
| Net charge-offs to loans | 0.1016% | 5,147 |
| Credit loss provision to net charge-offs | 617.6471% | 749 |
| Earnings coverage of net charge-offs (x) | 19.0588% | 1,384 |
| Efficiency ratio | 68.7679% | 5,014 |
| Assets per employee ($millions) | 2.7770% | 6,684 |
| Cash dividends to net income (ytd only)* | 24.6575% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7758% | 7,235 |
| Loan loss allowance to noncurrent loans | 48.8540% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 1.3885% | 4,185 |
| Noncurrent loans to loans | 1.5879% | 4,115 |
| Net loans and leases to total assets | 86.7610% | 319 |
| Net loans and leases to deposits | 103.0271% | 985 |
| Net loans and leases to core deposits | 156.5520% | 505 |
| Total domestic deposits to total assets | 84.2118% | 3,639 |
| Equity capital to assets | 8.9874% | 5,336 |
| Core capital (leverage) ratio | 8.9342% | 4,735 |
| Tier 1 risk-based capital ratio | 10.9006% | 5,980 |
| Total risk-based capital ratio | 11.7375% | 6,334 |
| Memoranda: | ||
| Average total assets | $114,195,670 | 4,768 |
| Average earning assets | $107,589,330 | 4,690 |
| Average equity | $9,959,000 | 5,368 |
| Average total loans | $100,415,330 | 4,004 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2631% | 234 |
| Cost of funding earning assets | 2.3841% | 2,357 |
| Net interest margin | 4.8789% | 526 |
| Noninterest income to average assets | 0.7599% | 2,541 |
| Noninterest expense to average assets | 3.7782% | 1,511 |
| Loan and lease loss provision to assets | 0.3764% | 3,069 |
| Net operating income to assets | 1.1901% | 1,686 |
| Return on assets (ROA) | 1.1901% | 1,795 |
| Pretax return on assets | 1.1901% | 2,662 |
| Return on Equity (ROE) | 13.8731% | 1,190 |
| Retained earnings to average equity (ytd only) | 7.1037% | 2,173 |
| Net charge-offs to loans | 0.0285% | 5,129 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 62.4286% | 630 |
| Efficiency ratio | 70.4225% | 4,491 |
| Assets per employee ($millions) | 2.8080% | 6,624 |
| Cash dividends to net income (ytd only)* | 48.7952% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6430% | 7,581 |
| Loan loss allowance to noncurrent loans | 36.0426% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 1.7069% | 3,359 |
| Noncurrent loans to loans | 1.7839% | 3,585 |
| Net loans and leases to total assets | 84.2515% | 652 |
| Net loans and leases to deposits | 99.9789% | 1,409 |
| Net loans and leases to core deposits | 150.8845% | 678 |
| Total domestic deposits to total assets | 84.2693% | 3,570 |
| Equity capital to assets | 8.8244% | 5,581 |
| Core capital (leverage) ratio | 9.1013% | 4,552 |
| Tier 1 risk-based capital ratio | 10.7318% | 6,154 |
| Total risk-based capital ratio | 11.4080% | 6,660 |
| Memoranda: | ||
| Average total assets | $111,587,500 | 4,862 |
| Average earning assets | $104,859,500 | 4,776 |
| Average equity | $9,572,500 | 5,515 |
| Average total loans | $98,416,500 | 4,080 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0882% | 174 |
| Cost of funding earning assets | 3.0109% | 1,837 |
| Net interest margin | 5.0774% | 432 |
| Noninterest income to average assets | 0.9927% | 1,600 |
| Noninterest expense to average assets | 4.3201% | 1,023 |
| Loan and lease loss provision to assets | 0.1824% | 5,070 |
| Net operating income to assets | 0.8083% | 3,404 |
| Return on assets (ROA) | 0.8083% | 3,243 |
| Pretax return on assets | 1.1770% | 2,733 |
| Return on Equity (ROE) | 9.8856% | 2,298 |
| Retained earnings to average equity (ytd only) | 8.1480% | 798 |
| Net charge-offs to loans | 0.0055% | 6,896 |
| Credit loss provision to net charge-offs | 3,800.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 283.2000% | 170 |
| Efficiency ratio | 75.7437% | 3,277 |
| Assets per employee ($millions) | 2.5668% | 7,069 |
| Cash dividends to net income (ytd only)* | 17.5772% | 4,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5639% | 7,741 |
| Loan loss allowance to noncurrent loans | 51.9505% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 1.1792% | 3,899 |
| Noncurrent loans to loans | 1.0854% | 4,393 |
| Net loans and leases to total assets | 91.4880% | 102 |
| Net loans and leases to deposits | 109.2314% | 885 |
| Net loans and leases to core deposits | 152.7510% | 759 |
| Total domestic deposits to total assets | 83.7562% | 3,454 |
| Equity capital to assets | 8.3029% | 6,419 |
| Core capital (leverage) ratio | 7.9180% | 6,624 |
| Tier 1 risk-based capital ratio | 10.1779% | 6,541 |
| Total risk-based capital ratio | 10.8292% | 7,120 |
| Memoranda: | ||
| Average total assets | $104,163,800 | 4,926 |
| Average earning assets | $96,152,000 | 4,918 |
| Average equity | $8,517,400 | 5,902 |
| Average total loans | $91,435,600 | 4,179 |