Home > American Bank & Trust Company > Performance and Condition Ratios
American Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3643% | 3,337 |
| Cost of funding earning assets | 0.6197% | 4,040 |
| Net interest margin | 3.7446% | 1,661 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.6450% | 1,886 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.3809% | 1,249 |
| Return on assets (ROA) | 1.3908% | 1,202 |
| Pretax return on assets | 1.3908% | 1,659 |
| Return on Equity (ROE) | 18.4600% | 764 |
| Retained earnings to average equity (ytd only) | 8.6933% | 1,337 |
| Net charge-offs to loans | 0.0039% | 2,601 |
| Credit loss provision to net charge-offs | 1,166.6667% | 361 |
| Earnings coverage of net charge-offs (x) | 567.8333% | 262 |
| Efficiency ratio | 65.2311% | 2,452 |
| Assets per employee ($millions) | 5.1464% | 3,522 |
| Cash dividends to net income (ytd only)* | 52.9009% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 3,520 |
| Loan loss allowance to noncurrent loans | 349.3088% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 2,414 |
| Noncurrent loans to loans | 0.2730% | 2,211 |
| Net loans and leases to total assets | 61.1900% | 2,742 |
| Net loans and leases to deposits | 67.7616% | 3,053 |
| Net loans and leases to core deposits | 70.5236% | 3,278 |
| Total domestic deposits to total assets | 90.3000% | 678 |
| Equity capital to assets | 7.6977% | 3,604 |
| Core capital (leverage) ratio | 10.8232% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $241,662,400 | 2,726 |
| Average earning assets | $228,811,800 | 2,692 |
| Average equity | $18,209,400 | 2,991 |
| Average total loans | $153,103,800 | 2,653 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3065% | 3,283 |
| Cost of funding earning assets | 0.4987% | 4,138 |
| Net interest margin | 3.8077% | 1,575 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.4939% | 2,249 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.5293% | 1,065 |
| Return on assets (ROA) | 1.5428% | 1,024 |
| Pretax return on assets | 1.5428% | 1,476 |
| Return on Equity (ROE) | 20.5900% | 667 |
| Retained earnings to average equity (ytd only) | 13.0787% | 803 |
| Net charge-offs to loans | -0.0088% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.8154% | 2,745 |
| Assets per employee ($millions) | 4.4182% | 3,987 |
| Cash dividends to net income (ytd only)* | 36.4958% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 3,588 |
| Loan loss allowance to noncurrent loans | 213.8528% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 1,805 |
| Noncurrent loans to loans | 0.4406% | 1,730 |
| Net loans and leases to total assets | 67.8100% | 2,067 |
| Net loans and leases to deposits | 77.8896% | 2,256 |
| Net loans and leases to core deposits | 81.4143% | 2,508 |
| Total domestic deposits to total assets | 87.0600% | 1,874 |
| Equity capital to assets | 7.3786% | 3,430 |
| Core capital (leverage) ratio | 11.0993% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $237,747,500 | 2,760 |
| Average earning assets | $225,359,750 | 2,721 |
| Average equity | $17,809,750 | 3,019 |
| Average total loans | $151,637,500 | 2,669 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 3,425 |
| Cost of funding earning assets | 0.3609% | 4,224 |
| Net interest margin | 3.7701% | 1,681 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.3942% | 2,505 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6022% | 940 |
| Return on assets (ROA) | 1.6222% | 913 |
| Pretax return on assets | 1.6222% | 1,367 |
| Return on Equity (ROE) | 21.5500% | 578 |
| Retained earnings to average equity (ytd only) | 13.4728% | 749 |
| Net charge-offs to loans | 0.0040% | 2,160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 642.0000% | 228 |
| Efficiency ratio | 59.9084% | 2,975 |
| Assets per employee ($millions) | 4.6505% | 3,862 |
| Cash dividends to net income (ytd only)* | 37.4872% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 3,671 |
| Loan loss allowance to noncurrent loans | 1,932.0000% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 3,472 |
| Noncurrent loans to loans | 0.0484% | 3,369 |
| Net loans and leases to total assets | 64.7000% | 2,309 |
| Net loans and leases to deposits | 71.6152% | 2,678 |
| Net loans and leases to core deposits | 74.2891% | 2,864 |
| Total domestic deposits to total assets | 90.3500% | 830 |
| Equity capital to assets | 7.7524% | 3,371 |
| Core capital (leverage) ratio | 10.6929% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $240,414,333 | 2,746 |
| Average earning assets | $227,792,667 | 2,710 |
| Average equity | $18,095,667 | 3,016 |
| Average total loans | $149,755,667 | 2,674 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 3,548 |
| Cost of funding earning assets | 0.2657% | 4,268 |
| Net interest margin | 3.6846% | 1,934 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.2956% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5915% | 999 |
| Return on assets (ROA) | 1.6312% | 928 |
| Pretax return on assets | 1.6312% | 1,395 |
| Return on Equity (ROE) | 21.9900% | 583 |
| Retained earnings to average equity (ytd only) | 20.1671% | 366 |
| Net charge-offs to loans | 0.0054% | 1,769 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 481.5000% | 236 |
| Efficiency ratio | 59.0561% | 3,069 |
| Assets per employee ($millions) | 4.8055% | 3,797 |
| Cash dividends to net income (ytd only)* | 8.3080% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,289 |
| Loan loss allowance to noncurrent loans | 287.9121% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 1,982 |
| Noncurrent loans to loans | 0.3653% | 1,837 |
| Net loans and leases to total assets | 61.5600% | 2,507 |
| Net loans and leases to deposits | 67.9601% | 2,770 |
| Net loans and leases to core deposits | 69.6699% | 2,975 |
| Total domestic deposits to total assets | 90.5800% | 951 |
| Equity capital to assets | 7.8232% | 3,366 |
| Core capital (leverage) ratio | 10.7137% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $242,032,500 | 2,773 |
| Average earning assets | $228,846,000 | 2,743 |
| Average equity | $17,950,000 | 3,050 |
| Average total loans | $147,178,000 | 2,731 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5037% | 3,068 |
| Cost of funding earning assets | 0.2356% | 3,458 |
| Net interest margin | 3.2680% | 2,654 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.4866% | 2,163 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0299% | 2,458 |
| Return on assets (ROA) | 1.0299% | 2,398 |
| Pretax return on assets | 1.0299% | 2,980 |
| Return on Equity (ROE) | 12.8200% | 1,864 |
| Retained earnings to average equity (ytd only) | 6.4859% | 2,456 |
| Net charge-offs to loans | 0.0430% | 1,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 40.7500% | 1,493 |
| Efficiency ratio | 70.7115% | 1,595 |
| Assets per employee ($millions) | 4.9753% | 3,703 |
| Cash dividends to net income (ytd only)* | 49.4070% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 3,460 |
| Loan loss allowance to noncurrent loans | 2,034.2857% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 3,527 |
| Noncurrent loans to loans | 0.0483% | 3,409 |
| Net loans and leases to total assets | 58.8400% | 2,745 |
| Net loans and leases to deposits | 64.3556% | 3,010 |
| Net loans and leases to core deposits | 65.6560% | 3,154 |
| Total domestic deposits to total assets | 91.4300% | 801 |
| Equity capital to assets | 7.0154% | 3,660 |
| Core capital (leverage) ratio | 10.4977% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $237,393,600 | 2,803 |
| Average earning assets | $225,336,200 | 2,768 |
| Average equity | $19,072,000 | 3,029 |
| Average total loans | $139,446,200 | 2,733 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4217% | 2,854 |
| Cost of funding earning assets | 0.2127% | 3,118 |
| Net interest margin | 3.2090% | 2,594 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.3093% | 2,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1445% | 1,915 |
| Return on assets (ROA) | 1.1445% | 1,886 |
| Pretax return on assets | 1.1445% | 2,578 |
| Return on Equity (ROE) | 13.7900% | 1,485 |
| Retained earnings to average equity (ytd only) | 9.6568% | 1,441 |
| Net charge-offs to loans | 0.0550% | 935 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 35.5088% | 1,440 |
| Efficiency ratio | 66.8631% | 2,172 |
| Assets per employee ($millions) | 4.6824% | 3,924 |
| Cash dividends to net income (ytd only)* | 29.9901% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 3,539 |
| Loan loss allowance to noncurrent loans | 1,829.4872% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,574 |
| Noncurrent loans to loans | 0.0540% | 3,491 |
| Net loans and leases to total assets | 62.2800% | 2,257 |
| Net loans and leases to deposits | 71.8420% | 2,220 |
| Net loans and leases to core deposits | 73.9543% | 2,353 |
| Total domestic deposits to total assets | 86.6900% | 2,856 |
| Equity capital to assets | 6.7460% | 3,641 |
| Core capital (leverage) ratio | 10.8888% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $235,794,250 | 2,832 |
| Average earning assets | $224,403,500 | 2,797 |
| Average equity | $19,564,250 | 3,032 |
| Average total loans | $138,088,000 | 2,748 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2780% | 2,806 |
| Cost of funding earning assets | 0.2023% | 2,887 |
| Net interest margin | 3.0756% | 2,619 |
| Noninterest income to average assets | 0.3943% | 2,789 |
| Noninterest expense to average assets | 2.2370% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0836% | 1,838 |
| Return on assets (ROA) | 1.0836% | 1,816 |
| Pretax return on assets | 1.0836% | 2,467 |
| Return on Equity (ROE) | 12.3194% | 1,574 |
| Retained earnings to average equity (ytd only) | 8.6398% | 1,389 |
| Net charge-offs to loans | 0.0662% | 758 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 28.6444% | 1,408 |
| Efficiency ratio | 67.3671% | 2,326 |
| Assets per employee ($millions) | 4.7960% | 3,850 |
| Cash dividends to net income (ytd only)* | 29.8681% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 3,350 |
| Loan loss allowance to noncurrent loans | 959.3333% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 3,327 |
| Noncurrent loans to loans | 0.1099% | 3,203 |
| Net loans and leases to total assets | 58.6592% | 2,468 |
| Net loans and leases to deposits | 65.1635% | 2,624 |
| Net loans and leases to core deposits | 67.0805% | 2,730 |
| Total domestic deposits to total assets | 90.0185% | 1,700 |
| Equity capital to assets | 7.9090% | 3,193 |
| Core capital (leverage) ratio | 10.3300% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,912,333 | 2,840 |
| Average earning assets | $226,358,667 | 2,817 |
| Average equity | $20,926,333 | 2,978 |
| Average total loans | $136,010,667 | 2,788 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1259% | 2,889 |
| Cost of funding earning assets | 0.2031% | 2,757 |
| Net interest margin | 2.9228% | 2,758 |
| Noninterest income to average assets | 0.3673% | 2,891 |
| Noninterest expense to average assets | 2.1542% | 2,961 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9993% | 1,885 |
| Return on assets (ROA) | 0.9993% | 1,882 |
| Pretax return on assets | 0.9993% | 2,444 |
| Return on Equity (ROE) | 10.8409% | 1,664 |
| Retained earnings to average equity (ytd only) | 10.4640% | 913 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3106% | 2,465 |
| Assets per employee ($millions) | 4.6270% | 4,054 |
| Cash dividends to net income (ytd only)* | 3.4768% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,303 |
| Loan loss allowance to noncurrent loans | 1,150.3876% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,487 |
| Noncurrent loans to loans | 0.0962% | 3,362 |
| Net loans and leases to total assets | 57.3467% | 2,375 |
| Net loans and leases to deposits | 64.3306% | 2,499 |
| Net loans and leases to core deposits | 66.2543% | 2,611 |
| Total domestic deposits to total assets | 89.1437% | 2,006 |
| Equity capital to assets | 8.8312% | 2,856 |
| Core capital (leverage) ratio | 10.2614% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,765,500 | 2,834 |
| Average earning assets | $230,460,500 | 2,799 |
| Average equity | $22,286,000 | 2,960 |
| Average total loans | $135,778,000 | 2,790 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2859% | 3,251 |
| Cost of funding earning assets | 0.2309% | 3,127 |
| Net interest margin | 3.0550% | 3,035 |
| Noninterest income to average assets | 0.4110% | 2,991 |
| Noninterest expense to average assets | 2.4031% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9012% | 3,041 |
| Return on assets (ROA) | 0.9012% | 3,103 |
| Pretax return on assets | 0.9012% | 3,514 |
| Return on Equity (ROE) | 8.4917% | 3,080 |
| Retained earnings to average equity (ytd only) | 3.5951% | 3,386 |
| Net charge-offs to loans | 0.0354% | 1,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 43.1429% | 1,391 |
| Efficiency ratio | 72.7261% | 1,432 |
| Assets per employee ($millions) | 4.9447% | 3,781 |
| Cash dividends to net income (ytd only)* | 57.6632% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,444 |
| Loan loss allowance to noncurrent loans | 1,206.5041% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 3,477 |
| Noncurrent loans to loans | 0.0895% | 3,484 |
| Net loans and leases to total assets | 53.8964% | 2,868 |
| Net loans and leases to deposits | 60.7195% | 3,012 |
| Net loans and leases to core deposits | 62.2430% | 3,139 |
| Total domestic deposits to total assets | 88.7629% | 1,636 |
| Equity capital to assets | 9.5728% | 3,070 |
| Core capital (leverage) ratio | 10.1865% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,568,200 | 2,823 |
| Average earning assets | $222,159,400 | 2,796 |
| Average equity | $24,895,000 | 2,858 |
| Average total loans | $138,238,400 | 2,748 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3830% | 3,147 |
| Cost of funding earning assets | 0.2410% | 3,202 |
| Net interest margin | 3.1421% | 2,929 |
| Noninterest income to average assets | 0.4148% | 3,006 |
| Noninterest expense to average assets | 2.2065% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1765% | 2,243 |
| Return on assets (ROA) | 1.1765% | 2,303 |
| Pretax return on assets | 1.1765% | 3,000 |
| Return on Equity (ROE) | 10.7957% | 2,443 |
| Retained earnings to average equity (ytd only) | 7.3832% | 2,276 |
| Net charge-offs to loans | 0.0385% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 50.7750% | 1,233 |
| Efficiency ratio | 65.2226% | 2,213 |
| Assets per employee ($millions) | 4.1836% | 4,339 |
| Cash dividends to net income (ytd only)* | 31.6100% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,500 |
| Loan loss allowance to noncurrent loans | 2,045.2055% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 3,760 |
| Noncurrent loans to loans | 0.0532% | 3,845 |
| Net loans and leases to total assets | 60.1331% | 2,245 |
| Net loans and leases to deposits | 69.4095% | 2,296 |
| Net loans and leases to core deposits | 71.5024% | 2,466 |
| Total domestic deposits to total assets | 86.6354% | 2,494 |
| Equity capital to assets | 11.2931% | 1,818 |
| Core capital (leverage) ratio | 10.8717% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,164,750 | 2,874 |
| Average earning assets | $217,432,000 | 2,854 |
| Average equity | $25,083,500 | 2,879 |
| Average total loans | $138,447,750 | 2,781 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4354% | 3,065 |
| Cost of funding earning assets | 0.2497% | 3,285 |
| Net interest margin | 3.1857% | 2,794 |
| Noninterest income to average assets | 0.4050% | 3,087 |
| Noninterest expense to average assets | 2.1470% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2661% | 1,971 |
| Return on assets (ROA) | 1.2661% | 2,043 |
| Pretax return on assets | 1.2661% | 2,724 |
| Return on Equity (ROE) | 11.7561% | 2,144 |
| Retained earnings to average equity (ytd only) | 7.9470% | 2,094 |
| Net charge-offs to loans | 0.0533% | 1,087 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 39.6216% | 1,170 |
| Efficiency ratio | 62.9049% | 2,591 |
| Assets per employee ($millions) | 4.2827% | 4,268 |
| Cash dividends to net income (ytd only)* | 32.4011% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,530 |
| Loan loss allowance to noncurrent loans | 1,526.5306% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 3,788 |
| Noncurrent loans to loans | 0.0703% | 3,835 |
| Net loans and leases to total assets | 59.6604% | 2,465 |
| Net loans and leases to deposits | 68.4814% | 2,569 |
| Net loans and leases to core deposits | 70.5788% | 2,728 |
| Total domestic deposits to total assets | 87.1191% | 2,258 |
| Equity capital to assets | 10.8893% | 2,076 |
| Core capital (leverage) ratio | 10.5643% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,580,667 | 2,872 |
| Average earning assets | $218,665,333 | 2,838 |
| Average equity | $24,940,333 | 2,886 |
| Average total loans | $138,815,667 | 2,795 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4339% | 3,110 |
| Cost of funding earning assets | 0.2613% | 3,367 |
| Net interest margin | 3.1726% | 2,776 |
| Noninterest income to average assets | 0.4039% | 3,065 |
| Noninterest expense to average assets | 2.0920% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3084% | 1,801 |
| Return on assets (ROA) | 1.3084% | 1,884 |
| Pretax return on assets | 1.3084% | 2,552 |
| Return on Equity (ROE) | 12.2164% | 1,936 |
| Retained earnings to average equity (ytd only) | 11.8780% | 1,178 |
| Net charge-offs to loans | 0.0838% | 775 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 26.1379% | 1,145 |
| Efficiency ratio | 61.5228% | 2,835 |
| Assets per employee ($millions) | 4.5219% | 4,083 |
| Cash dividends to net income (ytd only)* | 2.7704% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 3,460 |
| Loan loss allowance to noncurrent loans | 327.6688% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 3,045 |
| Noncurrent loans to loans | 0.3343% | 2,899 |
| Net loans and leases to total assets | 58.8901% | 2,693 |
| Net loans and leases to deposits | 67.3360% | 2,775 |
| Net loans and leases to core deposits | 69.3917% | 2,922 |
| Total domestic deposits to total assets | 87.4571% | 2,116 |
| Equity capital to assets | 10.7898% | 2,014 |
| Core capital (leverage) ratio | 11.0058% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,739,000 | 2,850 |
| Average earning assets | $218,875,000 | 2,830 |
| Average equity | $24,819,000 | 2,886 |
| Average total loans | $138,489,000 | 2,803 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0201% | 2,664 |
| Cost of funding earning assets | 0.3830% | 3,689 |
| Net interest margin | 3.6371% | 2,017 |
| Noninterest income to average assets | 0.4431% | 2,903 |
| Noninterest expense to average assets | 2.6289% | 2,453 |
| Loan and lease loss provision to assets | 0.0458% | 3,826 |
| Net operating income to assets | 1.1874% | 1,590 |
| Return on assets (ROA) | 1.1874% | 1,701 |
| Pretax return on assets | 1.1874% | 2,376 |
| Return on Equity (ROE) | 10.1620% | 1,952 |
| Retained earnings to average equity (ytd only) | 4.1964% | 2,713 |
| Net charge-offs to loans | 0.0043% | 3,207 |
| Credit loss provision to net charge-offs | 1,600.0000% | 522 |
| Earnings coverage of net charge-offs (x) | 430.5000% | 262 |
| Efficiency ratio | 68.0677% | 2,232 |
| Assets per employee ($millions) | 4.4781% | 3,936 |
| Cash dividends to net income (ytd only)* | 58.7053% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 3,472 |
| Loan loss allowance to noncurrent loans | 952.1739% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 3,863 |
| Noncurrent loans to loans | 0.1153% | 3,825 |
| Net loans and leases to total assets | 59.3188% | 2,944 |
| Net loans and leases to deposits | 67.6503% | 3,114 |
| Net loans and leases to core deposits | 69.5804% | 3,281 |
| Total domestic deposits to total assets | 87.6846% | 1,617 |
| Equity capital to assets | 10.6308% | 2,569 |
| Core capital (leverage) ratio | 11.2045% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,442,400 | 2,863 |
| Average earning assets | $196,885,400 | 2,856 |
| Average equity | $24,473,600 | 2,844 |
| Average total loans | $139,362,400 | 2,757 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 2,193 |
| Cost of funding earning assets | 0.4155% | 3,727 |
| Net interest margin | 3.8518% | 1,474 |
| Noninterest income to average assets | 0.4650% | 2,761 |
| Noninterest expense to average assets | 2.4356% | 3,035 |
| Loan and lease loss provision to assets | 0.0530% | 3,684 |
| Net operating income to assets | 1.5947% | 736 |
| Return on assets (ROA) | 1.5947% | 809 |
| Pretax return on assets | 1.5947% | 1,199 |
| Return on Equity (ROE) | 13.3039% | 1,029 |
| Retained earnings to average equity (ytd only) | 8.3102% | 1,207 |
| Net charge-offs to loans | 0.0057% | 2,934 |
| Credit loss provision to net charge-offs | 1,350.0000% | 671 |
| Earnings coverage of net charge-offs (x) | 419.3333% | 274 |
| Efficiency ratio | 59.6472% | 3,438 |
| Assets per employee ($millions) | 4.7246% | 3,569 |
| Cash dividends to net income (ytd only)* | 37.5359% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,403 |
| Loan loss allowance to noncurrent loans | 1,084.2857% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 4,100 |
| Noncurrent loans to loans | 0.0979% | 3,980 |
| Net loans and leases to total assets | 68.0397% | 2,242 |
| Net loans and leases to deposits | 79.2145% | 2,402 |
| Net loans and leases to core deposits | 81.3321% | 2,722 |
| Total domestic deposits to total assets | 85.8930% | 2,114 |
| Equity capital to assets | 12.1602% | 1,597 |
| Core capital (leverage) ratio | 11.6179% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,587,500 | 2,890 |
| Average earning assets | $191,248,500 | 2,880 |
| Average equity | $24,403,250 | 2,842 |
| Average total loans | $139,287,000 | 2,766 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 1,781 |
| Cost of funding earning assets | 0.4346% | 3,875 |
| Net interest margin | 4.1151% | 1,082 |
| Noninterest income to average assets | 0.4778% | 2,666 |
| Noninterest expense to average assets | 2.4694% | 3,048 |
| Loan and lease loss provision to assets | 0.0653% | 3,476 |
| Net operating income to assets | 1.8026% | 497 |
| Return on assets (ROA) | 1.8026% | 549 |
| Pretax return on assets | 1.8026% | 812 |
| Return on Equity (ROE) | 15.1132% | 693 |
| Retained earnings to average equity (ytd only) | 10.8994% | 618 |
| Net charge-offs to loans | 0.0087% | 2,633 |
| Credit loss provision to net charge-offs | 1,100.0000% | 741 |
| Earnings coverage of net charge-offs (x) | 314.6667% | 311 |
| Efficiency ratio | 56.9343% | 3,830 |
| Assets per employee ($millions) | 4.4454% | 3,860 |
| Cash dividends to net income (ytd only)* | 27.8814% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 3,287 |
| Loan loss allowance to noncurrent loans | 416.3435% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 3,668 |
| Noncurrent loans to loans | 0.2540% | 3,469 |
| Net loans and leases to total assets | 67.2941% | 2,456 |
| Net loans and leases to deposits | 78.1727% | 2,633 |
| Net loans and leases to core deposits | 80.2391% | 2,930 |
| Total domestic deposits to total assets | 86.0840% | 1,976 |
| Equity capital to assets | 12.0101% | 1,653 |
| Core capital (leverage) ratio | 11.9464% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,155,667 | 2,887 |
| Average earning assets | $189,594,000 | 2,873 |
| Average equity | $24,111,333 | 2,845 |
| Average total loans | $138,062,333 | 2,767 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 2,751 |
| Cost of funding earning assets | 0.4676% | 4,080 |
| Net interest margin | 3.8917% | 1,697 |
| Noninterest income to average assets | 0.5373% | 2,349 |
| Noninterest expense to average assets | 2.5215% | 3,209 |
| Loan and lease loss provision to assets | 0.1026% | 2,398 |
| Net operating income to assets | 1.5475% | 702 |
| Return on assets (ROA) | 1.5475% | 771 |
| Pretax return on assets | 1.5475% | 1,190 |
| Return on Equity (ROE) | 13.0226% | 878 |
| Retained earnings to average equity (ytd only) | 12.7008% | 351 |
| Net charge-offs to loans | 0.0147% | 2,077 |
| Credit loss provision to net charge-offs | 1,020.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 403 |
| Efficiency ratio | 60.4438% | 3,682 |
| Assets per employee ($millions) | 3.6772% | 4,301 |
| Cash dividends to net income (ytd only)* | 2.4707% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,214 |
| Loan loss allowance to noncurrent loans | 383.7629% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 3,649 |
| Noncurrent loans to loans | 0.2863% | 3,468 |
| Net loans and leases to total assets | 71.4824% | 2,004 |
| Net loans and leases to deposits | 84.0250% | 2,222 |
| Net loans and leases to core deposits | 86.0878% | 2,674 |
| Total domestic deposits to total assets | 85.0728% | 2,390 |
| Equity capital to assets | 12.7681% | 1,572 |
| Core capital (leverage) ratio | 12.6181% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,767,500 | 2,886 |
| Average earning assets | $185,627,500 | 2,863 |
| Average equity | $23,620,500 | 2,878 |
| Average total loans | $136,042,500 | 2,763 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 3,045 |
| Cost of funding earning assets | 0.4547% | 4,260 |
| Net interest margin | 4.0147% | 1,811 |
| Noninterest income to average assets | 0.6522% | 1,998 |
| Noninterest expense to average assets | 2.9262% | 2,220 |
| Loan and lease loss provision to assets | 0.0728% | 2,542 |
| Net operating income to assets | 1.3913% | 1,370 |
| Return on assets (ROA) | 1.3976% | 1,422 |
| Pretax return on assets | 1.3976% | 2,172 |
| Return on Equity (ROE) | 11.8564% | 1,570 |
| Retained earnings to average equity (ytd only) | 6.0540% | 1,839 |
| Net charge-offs to loans | 0.0379% | 2,628 |
| Credit loss provision to net charge-offs | 280.0000% | 1,002 |
| Earnings coverage of net charge-offs (x) | 56.3000% | 1,030 |
| Efficiency ratio | 66.6509% | 2,674 |
| Assets per employee ($millions) | 4.0384% | 3,858 |
| Cash dividends to net income (ytd only)* | 48.9393% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 3,182 |
| Loan loss allowance to noncurrent loans | 869.2771% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 4,244 |
| Noncurrent loans to loans | 0.1216% | 4,041 |
| Net loans and leases to total assets | 64.3325% | 3,153 |
| Net loans and leases to deposits | 73.9362% | 3,361 |
| Net loans and leases to core deposits | 75.5099% | 3,612 |
| Total domestic deposits to total assets | 87.0108% | 1,604 |
| Equity capital to assets | 11.0934% | 2,912 |
| Core capital (leverage) ratio | 12.0699% | 1,734 |
| Tier 1 risk-based capital ratio | 17.5588% | 1,874 |
| Total risk-based capital ratio | 18.6683% | 1,874 |
| Memoranda: | ||
| Average total assets | $192,261,800 | 2,903 |
| Average earning assets | $179,017,400 | 2,895 |
| Average equity | $22,662,800 | 2,898 |
| Average total loans | $131,858,600 | 2,802 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 2,928 |
| Cost of funding earning assets | 0.4482% | 4,332 |
| Net interest margin | 4.0914% | 1,636 |
| Noninterest income to average assets | 0.6942% | 1,814 |
| Noninterest expense to average assets | 2.6960% | 2,877 |
| Loan and lease loss provision to assets | 0.0887% | 2,127 |
| Net operating income to assets | 1.7200% | 718 |
| Return on assets (ROA) | 1.7285% | 742 |
| Pretax return on assets | 1.7285% | 1,253 |
| Return on Equity (ROE) | 14.4264% | 905 |
| Retained earnings to average equity (ytd only) | 9.8704% | 787 |
| Net charge-offs to loans | 0.0490% | 2,137 |
| Credit loss provision to net charge-offs | 260.4167% | 1,053 |
| Earnings coverage of net charge-offs (x) | 53.0820% | 1,142 |
| Efficiency ratio | 59.8487% | 3,678 |
| Assets per employee ($millions) | 3.4762% | 4,521 |
| Cash dividends to net income (ytd only)* | 31.5811% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,197 |
| Loan loss allowance to noncurrent loans | 1,059.2593% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 4,355 |
| Noncurrent loans to loans | 0.1006% | 4,195 |
| Net loans and leases to total assets | 70.7042% | 2,372 |
| Net loans and leases to deposits | 82.9169% | 2,580 |
| Net loans and leases to core deposits | 84.9295% | 3,002 |
| Total domestic deposits to total assets | 85.2711% | 2,310 |
| Equity capital to assets | 12.6038% | 1,836 |
| Core capital (leverage) ratio | 12.4074% | 1,619 |
| Tier 1 risk-based capital ratio | 17.9704% | 1,830 |
| Total risk-based capital ratio | 19.0814% | 1,810 |
| Memoranda: | ||
| Average total assets | $187,827,750 | 2,961 |
| Average earning assets | $174,929,750 | 2,961 |
| Average equity | $22,504,500 | 2,935 |
| Average total loans | $130,688,250 | 2,846 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4631% | 3,133 |
| Cost of funding earning assets | 0.4301% | 4,393 |
| Net interest margin | 4.0330% | 1,823 |
| Noninterest income to average assets | 0.7186% | 1,638 |
| Noninterest expense to average assets | 2.6455% | 3,072 |
| Loan and lease loss provision to assets | 0.0820% | 2,201 |
| Net operating income to assets | 1.7449% | 666 |
| Return on assets (ROA) | 1.7576% | 680 |
| Pretax return on assets | 1.7576% | 1,155 |
| Return on Equity (ROE) | 14.9279% | 775 |
| Retained earnings to average equity (ytd only) | 10.4070% | 651 |
| Net charge-offs to loans | 0.0664% | 1,706 |
| Credit loss provision to net charge-offs | 179.0698% | 1,319 |
| Earnings coverage of net charge-offs (x) | 39.9070% | 1,245 |
| Efficiency ratio | 59.1526% | 3,842 |
| Assets per employee ($millions) | 3.6850% | 4,266 |
| Cash dividends to net income (ytd only)* | 30.2847% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,317 |
| Loan loss allowance to noncurrent loans | 240.7986% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 3,310 |
| Noncurrent loans to loans | 0.4376% | 2,965 |
| Net loans and leases to total assets | 69.3011% | 2,629 |
| Net loans and leases to deposits | 80.8629% | 2,860 |
| Net loans and leases to core deposits | 82.8057% | 3,217 |
| Total domestic deposits to total assets | 85.7020% | 2,180 |
| Equity capital to assets | 12.2569% | 2,015 |
| Core capital (leverage) ratio | 12.2663% | 1,666 |
| Tier 1 risk-based capital ratio | 17.7393% | 1,870 |
| Total risk-based capital ratio | 18.8273% | 1,875 |
| Memoranda: | ||
| Average total assets | $187,866,000 | 2,972 |
| Average earning assets | $174,856,670 | 2,974 |
| Average equity | $22,119,670 | 2,960 |
| Average total loans | $129,534,000 | 2,876 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 3,178 |
| Cost of funding earning assets | 0.4160% | 4,419 |
| Net interest margin | 3.9972% | 1,860 |
| Noninterest income to average assets | 0.5260% | 2,404 |
| Noninterest expense to average assets | 2.6364% | 3,102 |
| Loan and lease loss provision to assets | 0.0575% | 2,510 |
| Net operating income to assets | 1.5354% | 1,042 |
| Return on assets (ROA) | 1.5610% | 1,009 |
| Pretax return on assets | 1.5610% | 1,570 |
| Return on Equity (ROE) | 13.5352% | 1,073 |
| Retained earnings to average equity (ytd only) | 13.2213% | 436 |
| Net charge-offs to loans | 0.0591% | 1,448 |
| Credit loss provision to net charge-offs | 142.1053% | 1,285 |
| Earnings coverage of net charge-offs (x) | 39.3684% | 1,162 |
| Efficiency ratio | 62.3364% | 3,481 |
| Assets per employee ($millions) | 3.6807% | 4,370 |
| Cash dividends to net income (ytd only)* | 2.3192% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,398 |
| Loan loss allowance to noncurrent loans | 1,680.2469% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 4,616 |
| Noncurrent loans to loans | 0.0626% | 4,483 |
| Net loans and leases to total assets | 69.5754% | 2,546 |
| Net loans and leases to deposits | 80.8500% | 2,747 |
| Net loans and leases to core deposits | 82.6831% | 3,135 |
| Total domestic deposits to total assets | 86.0548% | 2,259 |
| Equity capital to assets | 12.0749% | 1,977 |
| Core capital (leverage) ratio | 12.2756% | 1,619 |
| Tier 1 risk-based capital ratio | 17.5717% | 1,920 |
| Total risk-based capital ratio | 18.6501% | 1,924 |
| Memoranda: | ||
| Average total assets | $187,831,500 | 3,012 |
| Average earning assets | $174,020,500 | 3,013 |
| Average equity | $21,662,000 | 3,012 |
| Average total loans | $128,487,000 | 2,921 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 3,202 |
| Cost of funding earning assets | 0.2606% | 4,753 |
| Net interest margin | 4.0124% | 1,945 |
| Noninterest income to average assets | 0.5939% | 2,329 |
| Noninterest expense to average assets | 3.0540% | 1,912 |
| Loan and lease loss provision to assets | 0.0287% | 3,599 |
| Net operating income to assets | 1.2409% | 2,009 |
| Return on assets (ROA) | 1.2425% | 1,994 |
| Pretax return on assets | 1.2425% | 2,731 |
| Return on Equity (ROE) | 11.1819% | 2,009 |
| Retained earnings to average equity (ytd only) | 5.7272% | 2,340 |
| Net charge-offs to loans | 0.0140% | 3,214 |
| Credit loss provision to net charge-offs | 317.6471% | 985 |
| Earnings coverage of net charge-offs (x) | 140.5882% | 585 |
| Efficiency ratio | 70.6352% | 2,089 |
| Assets per employee ($millions) | 3.8326% | 4,132 |
| Cash dividends to net income (ytd only)* | 48.7815% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,320 |
| Loan loss allowance to noncurrent loans | 1,670.3704% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 4,641 |
| Noncurrent loans to loans | 0.0635% | 4,468 |
| Net loans and leases to total assets | 65.8656% | 3,151 |
| Net loans and leases to deposits | 75.1515% | 3,418 |
| Net loans and leases to core deposits | 76.3138% | 3,693 |
| Total domestic deposits to total assets | 87.6438% | 1,468 |
| Equity capital to assets | 11.0120% | 2,678 |
| Core capital (leverage) ratio | 11.9471% | 1,773 |
| Tier 1 risk-based capital ratio | 17.2872% | 1,958 |
| Total risk-based capital ratio | 18.3769% | 1,968 |
| Memoranda: | ||
| Average total assets | $188,244,800 | 2,980 |
| Average earning assets | $174,981,000 | 2,979 |
| Average equity | $20,917,800 | 3,005 |
| Average total loans | $121,624,800 | 2,974 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 3,100 |
| Cost of funding earning assets | 0.2447% | 4,818 |
| Net interest margin | 4.0191% | 1,898 |
| Noninterest income to average assets | 0.5791% | 2,424 |
| Noninterest expense to average assets | 2.6773% | 3,037 |
| Loan and lease loss provision to assets | 0.0342% | 3,332 |
| Net operating income to assets | 1.6079% | 947 |
| Return on assets (ROA) | 1.6691% | 808 |
| Pretax return on assets | 1.6691% | 1,353 |
| Return on Equity (ROE) | 14.9864% | 879 |
| Retained earnings to average equity (ytd only) | 11.0577% | 642 |
| Net charge-offs to loans | 0.0044% | 3,293 |
| Credit loss provision to net charge-offs | 1,200.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 577.3471% | 153 |
| Efficiency ratio | 61.9832% | 3,510 |
| Assets per employee ($millions) | 3.5096% | 4,555 |
| Cash dividends to net income (ytd only)* | 26.2149% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 3,247 |
| Loan loss allowance to noncurrent loans | 1,360.0000% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 4,688 |
| Noncurrent loans to loans | 0.0802% | 4,518 |
| Net loans and leases to total assets | 68.9327% | 2,807 |
| Net loans and leases to deposits | 79.9000% | 3,056 |
| Net loans and leases to core deposits | 81.2437% | 3,384 |
| Total domestic deposits to total assets | 86.2737% | 2,068 |
| Equity capital to assets | 11.8659% | 1,993 |
| Core capital (leverage) ratio | 11.9913% | 1,790 |
| Tier 1 risk-based capital ratio | 17.8472% | 1,831 |
| Total risk-based capital ratio | 18.9506% | 1,827 |
| Memoranda: | ||
| Average total assets | $187,399,000 | 3,009 |
| Average earning assets | $174,395,000 | 3,003 |
| Average equity | $20,871,750 | 3,032 |
| Average total loans | $120,138,500 | 3,017 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1350% | 3,330 |
| Cost of funding earning assets | 0.2392% | 4,808 |
| Net interest margin | 3.8958% | 2,212 |
| Noninterest income to average assets | 0.5594% | 2,519 |
| Noninterest expense to average assets | 2.6383% | 3,193 |
| Loan and lease loss provision to assets | 0.0442% | 3,015 |
| Net operating income to assets | 1.5079% | 1,142 |
| Return on assets (ROA) | 1.5079% | 1,136 |
| Pretax return on assets | 1.5079% | 1,789 |
| Return on Equity (ROE) | 13.8221% | 1,122 |
| Retained earnings to average equity (ytd only) | 10.3039% | 841 |
| Net charge-offs to loans | 0.0084% | 2,823 |
| Credit loss provision to net charge-offs | 840.0000% | 476 |
| Earnings coverage of net charge-offs (x) | 295.2000% | 309 |
| Efficiency ratio | 62.9611% | 3,487 |
| Assets per employee ($millions) | 3.7683% | 4,251 |
| Cash dividends to net income (ytd only)* | 25.4533% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 3,057 |
| Loan loss allowance to noncurrent loans | 169.7616% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 2,998 |
| Noncurrent loans to loans | 0.6696% | 2,433 |
| Net loans and leases to total assets | 63.7282% | 3,431 |
| Net loans and leases to deposits | 73.2099% | 3,605 |
| Net loans and leases to core deposits | 74.2732% | 3,863 |
| Total domestic deposits to total assets | 87.0487% | 1,818 |
| Equity capital to assets | 11.3688% | 2,297 |
| Core capital (leverage) ratio | 11.3742% | 2,181 |
| Tier 1 risk-based capital ratio | 17.8824% | 1,831 |
| Total risk-based capital ratio | 19.0165% | 1,830 |
| Memoranda: | ||
| Average total assets | $190,201,330 | 3,004 |
| Average earning assets | $177,269,000 | 2,990 |
| Average equity | $20,749,330 | 3,059 |
| Average total loans | $118,603,330 | 3,055 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 3,452 |
| Cost of funding earning assets | 0.2402% | 4,764 |
| Net interest margin | 3.8030% | 2,415 |
| Noninterest income to average assets | 0.5472% | 2,533 |
| Noninterest expense to average assets | 2.5681% | 3,429 |
| Loan and lease loss provision to assets | 0.0746% | 2,272 |
| Net operating income to assets | 1.4489% | 1,198 |
| Return on assets (ROA) | 1.4489% | 1,204 |
| Pretax return on assets | 1.4489% | 1,843 |
| Return on Equity (ROE) | 13.5544% | 1,119 |
| Retained earnings to average equity (ytd only) | 13.0696% | 508 |
| Net charge-offs to loans | 0.0270% | 1,958 |
| Credit loss provision to net charge-offs | 450.0000% | 637 |
| Earnings coverage of net charge-offs (x) | 91.8750% | 649 |
| Efficiency ratio | 62.7660% | 3,669 |
| Assets per employee ($millions) | 3.7289% | 4,377 |
| Cash dividends to net income (ytd only)* | 3.5765% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,116 |
| Loan loss allowance to noncurrent loans | 4,335.4839% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 5,038 |
| Noncurrent loans to loans | 0.0264% | 4,861 |
| Net loans and leases to total assets | 62.2299% | 3,524 |
| Net loans and leases to deposits | 71.5253% | 3,656 |
| Net loans and leases to core deposits | 72.6781% | 3,907 |
| Total domestic deposits to total assets | 87.0041% | 2,120 |
| Equity capital to assets | 11.0859% | 2,499 |
| Core capital (leverage) ratio | 10.9884% | 2,453 |
| Tier 1 risk-based capital ratio | 17.8190% | 1,886 |
| Total risk-based capital ratio | 18.9627% | 1,864 |
| Memoranda: | ||
| Average total assets | $192,979,500 | 3,005 |
| Average earning assets | $179,858,500 | 2,993 |
| Average equity | $20,628,000 | 3,095 |
| Average total loans | $118,393,000 | 3,086 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 3,760 |
| Cost of funding earning assets | 0.2194% | 4,797 |
| Net interest margin | 3.6711% | 2,912 |
| Noninterest income to average assets | 0.5515% | 2,711 |
| Noninterest expense to average assets | 2.7871% | 2,816 |
| Loan and lease loss provision to assets | 0.0124% | 4,042 |
| Net operating income to assets | 1.1639% | 1,632 |
| Return on assets (ROA) | 1.1680% | 1,653 |
| Pretax return on assets | 1.1680% | 2,904 |
| Return on Equity (ROE) | 11.0678% | 1,452 |
| Retained earnings to average equity (ytd only) | 6.1976% | 1,438 |
| Net charge-offs to loans | 0.0417% | 2,949 |
| Credit loss provision to net charge-offs | 48.9796% | 3,338 |
| Earnings coverage of net charge-offs (x) | 46.6122% | 1,151 |
| Efficiency ratio | 70.3222% | 2,497 |
| Assets per employee ($millions) | 3.7644% | 4,334 |
| Cash dividends to net income (ytd only)* | 44.0035% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,346 |
| Loan loss allowance to noncurrent loans | 1,446.1538% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 4,907 |
| Noncurrent loans to loans | 0.0762% | 4,658 |
| Net loans and leases to total assets | 59.1945% | 3,905 |
| Net loans and leases to deposits | 67.8837% | 4,036 |
| Net loans and leases to core deposits | 68.8020% | 4,248 |
| Total domestic deposits to total assets | 87.2000% | 1,898 |
| Equity capital to assets | 10.3185% | 3,371 |
| Core capital (leverage) ratio | 10.7750% | 2,559 |
| Tier 1 risk-based capital ratio | 16.7775% | 2,166 |
| Total risk-based capital ratio | 17.8669% | 2,172 |
| Memoranda: | ||
| Average total assets | $194,180,800 | 2,977 |
| Average earning assets | $180,464,400 | 2,961 |
| Average equity | $20,491,800 | 3,084 |
| Average total loans | $117,545,200 | 3,092 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9076% | 3,660 |
| Cost of funding earning assets | 0.2358% | 4,695 |
| Net interest margin | 3.6719% | 2,854 |
| Noninterest income to average assets | 0.5538% | 2,709 |
| Noninterest expense to average assets | 2.5484% | 3,572 |
| Loan and lease loss provision to assets | 0.0166% | 3,813 |
| Net operating income to assets | 1.4021% | 1,081 |
| Return on assets (ROA) | 1.4076% | 1,094 |
| Pretax return on assets | 1.4076% | 2,096 |
| Return on Equity (ROE) | 13.2627% | 996 |
| Retained earnings to average equity (ytd only) | 9.6864% | 654 |
| Net charge-offs to loans | 0.0569% | 2,321 |
| Credit loss provision to net charge-offs | 48.0000% | 2,935 |
| Earnings coverage of net charge-offs (x) | 41.0369% | 1,275 |
| Efficiency ratio | 64.2384% | 3,495 |
| Assets per employee ($millions) | 3.5038% | 4,730 |
| Cash dividends to net income (ytd only)* | 26.9646% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 3,308 |
| Loan loss allowance to noncurrent loans | 1,413.9785% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 4,983 |
| Noncurrent loans to loans | 0.0799% | 4,754 |
| Net loans and leases to total assets | 61.9360% | 3,657 |
| Net loans and leases to deposits | 72.1847% | 3,751 |
| Net loans and leases to core deposits | 73.2508% | 4,039 |
| Total domestic deposits to total assets | 85.8021% | 2,389 |
| Equity capital to assets | 11.4899% | 2,386 |
| Core capital (leverage) ratio | 10.9612% | 2,494 |
| Tier 1 risk-based capital ratio | 17.4423% | 2,024 |
| Total risk-based capital ratio | 18.5621% | 2,016 |
| Memoranda: | ||
| Average total assets | $192,847,250 | 3,015 |
| Average earning assets | $179,268,500 | 2,994 |
| Average equity | $20,468,000 | 3,108 |
| Average total loans | $117,077,000 | 3,122 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 3,712 |
| Cost of funding earning assets | 0.2416% | 4,624 |
| Net interest margin | 3.6100% | 3,000 |
| Noninterest income to average assets | 0.5327% | 2,814 |
| Noninterest expense to average assets | 2.5160% | 3,700 |
| Loan and lease loss provision to assets | 0.0246% | 3,511 |
| Net operating income to assets | 1.3451% | 1,185 |
| Return on assets (ROA) | 1.3543% | 1,193 |
| Pretax return on assets | 1.3543% | 2,193 |
| Return on Equity (ROE) | 13.1032% | 1,011 |
| Retained earnings to average equity (ytd only) | 9.5746% | 684 |
| Net charge-offs to loans | 0.0818% | 1,796 |
| Credit loss provision to net charge-offs | 50.0000% | 2,561 |
| Earnings coverage of net charge-offs (x) | 27.8542% | 1,526 |
| Efficiency ratio | 64.7509% | 3,548 |
| Assets per employee ($millions) | 3.5619% | 4,630 |
| Cash dividends to net income (ytd only)* | 26.9289% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 3,487 |
| Loan loss allowance to noncurrent loans | 1,710.3896% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 5,085 |
| Noncurrent loans to loans | 0.0653% | 4,865 |
| Net loans and leases to total assets | 61.7963% | 3,652 |
| Net loans and leases to deposits | 71.7865% | 3,762 |
| Net loans and leases to core deposits | 72.8248% | 4,032 |
| Total domestic deposits to total assets | 86.0835% | 2,342 |
| Equity capital to assets | 11.1170% | 2,686 |
| Core capital (leverage) ratio | 10.6509% | 2,760 |
| Tier 1 risk-based capital ratio | 16.9769% | 2,159 |
| Total risk-based capital ratio | 18.0969% | 2,156 |
| Memoranda: | ||
| Average total assets | $195,228,670 | 3,004 |
| Average earning assets | $181,328,000 | 2,988 |
| Average equity | $20,178,330 | 3,142 |
| Average total loans | $117,325,330 | 3,129 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7531% | 3,920 |
| Cost of funding earning assets | 0.2369% | 4,665 |
| Net interest margin | 3.5163% | 3,217 |
| Noninterest income to average assets | 0.5059% | 2,941 |
| Noninterest expense to average assets | 2.4429% | 3,986 |
| Loan and lease loss provision to assets | 0.0484% | 2,844 |
| Net operating income to assets | 1.2759% | 1,306 |
| Return on assets (ROA) | 1.2759% | 1,340 |
| Pretax return on assets | 1.2759% | 2,328 |
| Return on Equity (ROE) | 12.8047% | 1,040 |
| Retained earnings to average equity (ytd only) | 12.8047% | 393 |
| Net charge-offs to loans | 0.1231% | 1,181 |
| Credit loss provision to net charge-offs | 66.6667% | 1,864 |
| Earnings coverage of net charge-offs (x) | 18.2500% | 1,572 |
| Efficiency ratio | 64.8475% | 3,688 |
| Assets per employee ($millions) | 3.6747% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 3,533 |
| Loan loss allowance to noncurrent loans | 746.6292% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 4,898 |
| Noncurrent loans to loans | 0.1510% | 4,586 |
| Net loans and leases to total assets | 60.9865% | 3,665 |
| Net loans and leases to deposits | 70.4554% | 3,751 |
| Net loans and leases to core deposits | 71.5217% | 4,028 |
| Total domestic deposits to total assets | 86.5604% | 2,415 |
| Equity capital to assets | 10.6099% | 3,056 |
| Core capital (leverage) ratio | 10.4614% | 2,946 |
| Tier 1 risk-based capital ratio | 16.7516% | 2,262 |
| Total risk-based capital ratio | 17.8857% | 2,269 |
| Memoranda: | ||
| Average total assets | $198,451,500 | 3,010 |
| Average earning assets | $184,059,000 | 3,001 |
| Average equity | $19,774,000 | 3,195 |
| Average total loans | $116,999,000 | 3,161 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8443% | 3,765 |
| Cost of funding earning assets | 0.2192% | 4,837 |
| Net interest margin | 3.6250% | 2,981 |
| Noninterest income to average assets | 0.5558% | 2,882 |
| Noninterest expense to average assets | 2.7994% | 3,024 |
| Loan and lease loss provision to assets | 0.0709% | 2,943 |
| Net operating income to assets | 1.0605% | 2,088 |
| Return on assets (ROA) | 1.0605% | 2,193 |
| Pretax return on assets | 1.0605% | 3,261 |
| Return on Equity (ROE) | 9.9531% | 1,975 |
| Retained earnings to average equity (ytd only) | 4.6364% | 2,600 |
| Net charge-offs to loans | 0.0018% | 4,215 |
| Credit loss provision to net charge-offs | 6,650.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 1,061.5000% | 70 |
| Efficiency ratio | 71.2175% | 2,707 |
| Assets per employee ($millions) | 3.8834% | 4,170 |
| Cash dividends to net income (ytd only)* | 53.4171% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 3,404 |
| Loan loss allowance to noncurrent loans | 1,072.8000% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 5,093 |
| Noncurrent loans to loans | 0.1076% | 4,804 |
| Net loans and leases to total assets | 55.7735% | 4,285 |
| Net loans and leases to deposits | 63.3416% | 4,452 |
| Net loans and leases to core deposits | 64.2146% | 4,620 |
| Total domestic deposits to total assets | 88.0521% | 1,606 |
| Equity capital to assets | 9.3646% | 4,409 |
| Core capital (leverage) ratio | 10.3017% | 3,105 |
| Tier 1 risk-based capital ratio | 15.5601% | 2,722 |
| Total risk-based capital ratio | 16.6585% | 2,725 |
| Memoranda: | ||
| Average total assets | $187,649,000 | 3,084 |
| Average earning assets | $174,702,200 | 3,059 |
| Average equity | $19,993,800 | 3,171 |
| Average total loans | $110,689,000 | 3,208 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8969% | 3,594 |
| Cost of funding earning assets | 0.2138% | 4,935 |
| Net interest margin | 3.6830% | 2,784 |
| Noninterest income to average assets | 0.5636% | 2,854 |
| Noninterest expense to average assets | 2.5718% | 3,758 |
| Loan and lease loss provision to assets | 0.0772% | 2,681 |
| Net operating income to assets | 1.3507% | 1,163 |
| Return on assets (ROA) | 1.3507% | 1,243 |
| Pretax return on assets | 1.3507% | 2,234 |
| Return on Equity (ROE) | 12.2598% | 1,245 |
| Retained earnings to average equity (ytd only) | 8.0763% | 1,144 |
| Net charge-offs to loans | 0.0024% | 3,853 |
| Credit loss provision to net charge-offs | 5,300.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 979.2509% | 80 |
| Efficiency ratio | 64.3000% | 3,887 |
| Assets per employee ($millions) | 3.4673% | 4,814 |
| Cash dividends to net income (ytd only)* | 34.1241% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 3,545 |
| Loan loss allowance to noncurrent loans | 631.7308% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 4,963 |
| Noncurrent loans to loans | 0.1818% | 4,623 |
| Net loans and leases to total assets | 62.7203% | 3,552 |
| Net loans and leases to deposits | 73.3183% | 3,662 |
| Net loans and leases to core deposits | 74.5077% | 3,962 |
| Total domestic deposits to total assets | 85.5451% | 2,584 |
| Equity capital to assets | 11.6889% | 2,367 |
| Core capital (leverage) ratio | 10.7911% | 2,693 |
| Tier 1 risk-based capital ratio | 15.9609% | 2,639 |
| Total risk-based capital ratio | 17.0481% | 2,642 |
| Memoranda: | ||
| Average total assets | $183,106,750 | 3,142 |
| Average earning assets | $170,834,250 | 3,113 |
| Average equity | $20,173,750 | 3,175 |
| Average total loans | $109,328,000 | 3,233 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8379% | 3,812 |
| Cost of funding earning assets | 0.2293% | 4,861 |
| Net interest margin | 3.6085% | 3,070 |
| Noninterest income to average assets | 0.5542% | 2,882 |
| Noninterest expense to average assets | 2.5277% | 3,963 |
| Loan and lease loss provision to assets | 0.0858% | 2,429 |
| Net operating income to assets | 1.3095% | 1,246 |
| Return on assets (ROA) | 1.3095% | 1,345 |
| Pretax return on assets | 1.3095% | 2,367 |
| Return on Equity (ROE) | 12.1268% | 1,269 |
| Retained earnings to average equity (ytd only) | 7.6283% | 1,326 |
| Net charge-offs to loans | -0.0223% | 4,992 |
| Credit loss provision to net charge-offs | -658.3333% | 5,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4321% | 3,945 |
| Assets per employee ($millions) | 3.5884% | 4,608 |
| Cash dividends to net income (ytd only)* | 37.0954% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 3,533 |
| Loan loss allowance to noncurrent loans | 1,414.1304% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 5,354 |
| Noncurrent loans to loans | 0.0827% | 5,120 |
| Net loans and leases to total assets | 61.3085% | 3,707 |
| Net loans and leases to deposits | 71.4315% | 3,840 |
| Net loans and leases to core deposits | 72.8561% | 4,102 |
| Total domestic deposits to total assets | 85.8284% | 2,505 |
| Equity capital to assets | 11.6056% | 2,438 |
| Core capital (leverage) ratio | 10.5053% | 2,968 |
| Tier 1 risk-based capital ratio | 15.9212% | 2,681 |
| Total risk-based capital ratio | 17.0214% | 2,685 |
| Memoranda: | ||
| Average total assets | $184,042,670 | 3,145 |
| Average earning assets | $171,814,670 | 3,122 |
| Average equity | $19,873,330 | 3,212 |
| Average total loans | $107,638,000 | 3,277 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7302% | 4,209 |
| Cost of funding earning assets | 0.2250% | 4,950 |
| Net interest margin | 3.5053% | 3,459 |
| Noninterest income to average assets | 0.5323% | 2,920 |
| Noninterest expense to average assets | 2.4491% | 4,229 |
| Loan and lease loss provision to assets | 0.1288% | 1,651 |
| Net operating income to assets | 1.2321% | 1,443 |
| Return on assets (ROA) | 1.2321% | 1,552 |
| Pretax return on assets | 1.2321% | 2,571 |
| Return on Equity (ROE) | 11.8360% | 1,361 |
| Retained earnings to average equity (ytd only) | 9.5471% | 966 |
| Net charge-offs to loans | -0.0529% | 5,357 |
| Credit loss provision to net charge-offs | -428.5714% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2817% | 4,075 |
| Assets per employee ($millions) | 3.6302% | 4,590 |
| Cash dividends to net income (ytd only)* | 19.3380% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 3,503 |
| Loan loss allowance to noncurrent loans | 1,177.9817% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 5,365 |
| Noncurrent loans to loans | 0.1016% | 5,065 |
| Net loans and leases to total assets | 58.4056% | 3,995 |
| Net loans and leases to deposits | 67.4166% | 4,116 |
| Net loans and leases to core deposits | 68.8135% | 4,337 |
| Total domestic deposits to total assets | 86.6338% | 2,392 |
| Equity capital to assets | 10.9355% | 3,016 |
| Core capital (leverage) ratio | 10.5294% | 2,926 |
| Tier 1 risk-based capital ratio | 16.1760% | 2,597 |
| Total risk-based capital ratio | 17.2967% | 2,612 |
| Memoranda: | ||
| Average total assets | $186,353,000 | 3,135 |
| Average earning assets | $174,252,500 | 3,110 |
| Average equity | $19,398,500 | 3,261 |
| Average total loans | $105,806,000 | 3,322 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7438% | 4,219 |
| Cost of funding earning assets | 0.1989% | 5,295 |
| Net interest margin | 3.5449% | 3,352 |
| Noninterest income to average assets | 0.5792% | 2,836 |
| Noninterest expense to average assets | 2.8263% | 3,124 |
| Loan and lease loss provision to assets | 0.0947% | 2,425 |
| Net operating income to assets | 0.9641% | 2,561 |
| Return on assets (ROA) | 0.9779% | 2,555 |
| Pretax return on assets | 0.9779% | 3,550 |
| Return on Equity (ROE) | 9.4740% | 2,229 |
| Retained earnings to average equity (ytd only) | 5.0374% | 2,387 |
| Net charge-offs to loans | 0.1857% | 1,553 |
| Credit loss provision to net charge-offs | 93.9560% | 2,683 |
| Earnings coverage of net charge-offs (x) | 10.5055% | 2,676 |
| Efficiency ratio | 72.7480% | 2,783 |
| Assets per employee ($millions) | 3.9020% | 4,116 |
| Cash dividends to net income (ytd only)* | 46.8290% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 3,702 |
| Loan loss allowance to noncurrent loans | 1,090.0901% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 5,429 |
| Noncurrent loans to loans | 0.1064% | 5,077 |
| Net loans and leases to total assets | 53.9269% | 4,511 |
| Net loans and leases to deposits | 61.2687% | 4,686 |
| Net loans and leases to core deposits | 62.3788% | 4,852 |
| Total domestic deposits to total assets | 88.0170% | 1,618 |
| Equity capital to assets | 9.9102% | 4,061 |
| Core capital (leverage) ratio | 10.3155% | 3,142 |
| Tier 1 risk-based capital ratio | 16.0682% | 2,657 |
| Total risk-based capital ratio | 17.1442% | 2,673 |
| Memoranda: | ||
| Average total assets | $180,591,600 | 3,160 |
| Average earning assets | $168,410,800 | 3,142 |
| Average equity | $18,640,400 | 3,303 |
| Average total loans | $98,020,400 | 3,421 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 4,214 |
| Cost of funding earning assets | 0.1970% | 5,403 |
| Net interest margin | 3.5647% | 3,285 |
| Noninterest income to average assets | 0.5815% | 2,843 |
| Noninterest expense to average assets | 2.5364% | 4,091 |
| Loan and lease loss provision to assets | 0.0832% | 2,510 |
| Net operating income to assets | 1.2843% | 1,381 |
| Return on assets (ROA) | 1.2843% | 1,436 |
| Pretax return on assets | 1.2843% | 2,454 |
| Return on Equity (ROE) | 12.3106% | 1,294 |
| Retained earnings to average equity (ytd only) | 9.3299% | 785 |
| Net charge-offs to loans | 0.2212% | 1,180 |
| Credit loss provision to net charge-offs | 69.3750% | 2,779 |
| Earnings coverage of net charge-offs (x) | 11.4061% | 2,494 |
| Efficiency ratio | 64.9712% | 4,069 |
| Assets per employee ($millions) | 3.5000% | 4,789 |
| Cash dividends to net income (ytd only)* | 24.2124% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 3,990 |
| Loan loss allowance to noncurrent loans | 1,065.4545% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 5,511 |
| Noncurrent loans to loans | 0.1071% | 5,205 |
| Net loans and leases to total assets | 59.1875% | 3,983 |
| Net loans and leases to deposits | 68.5106% | 4,139 |
| Net loans and leases to core deposits | 69.9226% | 4,376 |
| Total domestic deposits to total assets | 86.3918% | 2,332 |
| Equity capital to assets | 11.2584% | 2,744 |
| Core capital (leverage) ratio | 10.6687% | 2,858 |
| Tier 1 risk-based capital ratio | 16.7023% | 2,477 |
| Total risk-based capital ratio | 17.7644% | 2,531 |
| Memoranda: | ||
| Average total assets | $177,940,500 | 3,225 |
| Average earning assets | $165,843,250 | 3,203 |
| Average equity | $18,563,500 | 3,337 |
| Average total loans | $96,446,500 | 3,481 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6622% | 4,535 |
| Cost of funding earning assets | 0.1862% | 5,562 |
| Net interest margin | 3.4760% | 3,600 |
| Noninterest income to average assets | 0.5009% | 3,370 |
| Noninterest expense to average assets | 2.3911% | 4,576 |
| Loan and lease loss provision to assets | 0.1066% | 2,054 |
| Net operating income to assets | 1.2372% | 1,504 |
| Return on assets (ROA) | 1.2372% | 1,570 |
| Pretax return on assets | 1.2372% | 2,617 |
| Return on Equity (ROE) | 12.1647% | 1,325 |
| Retained earnings to average equity (ytd only) | 8.2663% | 1,162 |
| Net charge-offs to loans | 0.3794% | 686 |
| Credit loss provision to net charge-offs | 53.6313% | 2,662 |
| Earnings coverage of net charge-offs (x) | 6.7598% | 2,742 |
| Efficiency ratio | 64.0202% | 4,358 |
| Assets per employee ($millions) | 3.6851% | 4,459 |
| Cash dividends to net income (ytd only)* | 32.0467% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 3,813 |
| Loan loss allowance to noncurrent loans | 917.7419% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 5,583 |
| Noncurrent loans to loans | 0.1304% | 5,230 |
| Net loans and leases to total assets | 53.1235% | 4,643 |
| Net loans and leases to deposits | 60.5234% | 4,808 |
| Net loans and leases to core deposits | 61.7122% | 4,963 |
| Total domestic deposits to total assets | 87.7735% | 1,763 |
| Equity capital to assets | 10.3083% | 3,681 |
| Core capital (leverage) ratio | 10.3247% | 3,186 |
| Tier 1 risk-based capital ratio | 17.9135% | 2,091 |
| Total risk-based capital ratio | 19.0532% | 2,082 |
| Memoranda: | ||
| Average total assets | $180,087,670 | 3,214 |
| Average earning assets | $167,549,670 | 3,205 |
| Average equity | $18,315,330 | 3,381 |
| Average total loans | $94,369,330 | 3,545 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6410% | 4,565 |
| Cost of funding earning assets | 0.1726% | 5,753 |
| Net interest margin | 3.4684% | 3,557 |
| Noninterest income to average assets | 0.4777% | 3,444 |
| Noninterest expense to average assets | 2.4327% | 4,502 |
| Loan and lease loss provision to assets | 0.1057% | 1,939 |
| Net operating income to assets | 1.1690% | 1,636 |
| Return on assets (ROA) | 1.1690% | 1,739 |
| Pretax return on assets | 1.1690% | 2,788 |
| Return on Equity (ROE) | 11.5711% | 1,459 |
| Retained earnings to average equity (ytd only) | 11.5711% | 635 |
| Net charge-offs to loans | 0.0170% | 2,826 |
| Credit loss provision to net charge-offs | 1,200.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 144.7500% | 366 |
| Efficiency ratio | 65.6176% | 4,222 |
| Assets per employee ($millions) | 3.7125% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 3,115 |
| Loan loss allowance to noncurrent loans | 585.6481% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 5,474 |
| Noncurrent loans to loans | 0.2316% | 4,947 |
| Net loans and leases to total assets | 51.6313% | 4,693 |
| Net loans and leases to deposits | 58.8435% | 4,848 |
| Net loans and leases to core deposits | 60.2634% | 4,976 |
| Total domestic deposits to total assets | 87.7434% | 1,960 |
| Equity capital to assets | 10.6101% | 3,412 |
| Core capital (leverage) ratio | 10.2566% | 3,272 |
| Tier 1 risk-based capital ratio | 18.3459% | 2,052 |
| Total risk-based capital ratio | 19.5965% | 2,004 |
| Memoranda: | ||
| Average total assets | $181,688,500 | 3,215 |
| Average earning assets | $169,183,500 | 3,191 |
| Average equity | $18,356,000 | 3,400 |
| Average total loans | $94,001,000 | 3,559 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8204% | 4,427 |
| Cost of funding earning assets | 0.1755% | 5,935 |
| Net interest margin | 3.6449% | 3,236 |
| Noninterest income to average assets | 0.6503% | 2,546 |
| Noninterest expense to average assets | 2.7786% | 3,565 |
| Loan and lease loss provision to assets | 0.0789% | 2,907 |
| Net operating income to assets | 1.1907% | 1,616 |
| Return on assets (ROA) | 1.1901% | 1,685 |
| Pretax return on assets | 1.1901% | 2,687 |
| Return on Equity (ROE) | 12.1935% | 1,354 |
| Retained earnings to average equity (ytd only) | 6.7283% | 1,530 |
| Net charge-offs to loans | 0.0110% | 4,690 |
| Credit loss provision to net charge-offs | 1,350.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 217.3000% | 247 |
| Efficiency ratio | 68.6391% | 3,784 |
| Assets per employee ($millions) | 3.9400% | 4,086 |
| Cash dividends to net income (ytd only)* | 44.8208% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 3,490 |
| Loan loss allowance to noncurrent loans | 1,141.1215% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 5,785 |
| Noncurrent loans to loans | 0.1130% | 5,440 |
| Net loans and leases to total assets | 50.4971% | 4,920 |
| Net loans and leases to deposits | 56.7398% | 5,135 |
| Net loans and leases to core deposits | 58.0378% | 5,259 |
| Total domestic deposits to total assets | 88.9977% | 1,236 |
| Equity capital to assets | 9.6150% | 4,571 |
| Core capital (leverage) ratio | 10.2007% | 3,306 |
| Tier 1 risk-based capital ratio | 17.9282% | 2,163 |
| Total risk-based capital ratio | 19.1778% | 2,130 |
| Memoranda: | ||
| Average total assets | $171,162,400 | 3,322 |
| Average earning assets | $159,565,200 | 3,289 |
| Average equity | $16,705,600 | 3,574 |
| Average total loans | $91,136,000 | 3,609 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8812% | 4,233 |
| Cost of funding earning assets | 0.1784% | 6,003 |
| Net interest margin | 3.7028% | 3,015 |
| Noninterest income to average assets | 0.6601% | 2,522 |
| Noninterest expense to average assets | 2.5917% | 4,223 |
| Loan and lease loss provision to assets | 0.0716% | 2,915 |
| Net operating income to assets | 1.4458% | 1,033 |
| Return on assets (ROA) | 1.4450% | 1,078 |
| Pretax return on assets | 1.4450% | 1,826 |
| Return on Equity (ROE) | 14.7444% | 875 |
| Retained earnings to average equity (ytd only) | 10.8899% | 534 |
| Net charge-offs to loans | 0.0103% | 4,376 |
| Credit loss provision to net charge-offs | 1,285.7143% | 266 |
| Earnings coverage of net charge-offs (x) | 272.6624% | 248 |
| Efficiency ratio | 63.0734% | 4,709 |
| Assets per employee ($millions) | 3.5542% | 4,762 |
| Cash dividends to net income (ytd only)* | 26.1421% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 3,773 |
| Loan loss allowance to noncurrent loans | 1,179.0000% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 5,902 |
| Noncurrent loans to loans | 0.1082% | 5,609 |
| Net loans and leases to total assets | 55.7890% | 4,359 |
| Net loans and leases to deposits | 63.6404% | 4,581 |
| Net loans and leases to core deposits | 65.3222% | 4,767 |
| Total domestic deposits to total assets | 87.6629% | 1,945 |
| Equity capital to assets | 10.8746% | 3,093 |
| Core capital (leverage) ratio | 10.6101% | 2,914 |
| Tier 1 risk-based capital ratio | 18.5105% | 2,046 |
| Total risk-based capital ratio | 19.7599% | 2,013 |
| Memoranda: | ||
| Average total assets | $167,658,250 | 3,396 |
| Average earning assets | $156,166,500 | 3,357 |
| Average equity | $16,430,750 | 3,625 |
| Average total loans | $90,237,250 | 3,657 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8269% | 4,424 |
| Cost of funding earning assets | 0.1817% | 6,063 |
| Net interest margin | 3.6452% | 3,165 |
| Noninterest income to average assets | 0.6365% | 2,632 |
| Noninterest expense to average assets | 2.5803% | 4,307 |
| Loan and lease loss provision to assets | 0.0532% | 3,234 |
| Net operating income to assets | 1.3972% | 1,069 |
| Return on assets (ROA) | 1.3961% | 1,115 |
| Pretax return on assets | 1.3961% | 1,900 |
| Return on Equity (ROE) | 14.7672% | 829 |
| Retained earnings to average equity (ytd only) | 10.9127% | 548 |
| Net charge-offs to loans | 0.0045% | 4,229 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 613.0000% | 118 |
| Efficiency ratio | 64.0153% | 4,685 |
| Assets per employee ($millions) | 3.4980% | 4,852 |
| Cash dividends to net income (ytd only)* | 26.1017% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,075 |
| Loan loss allowance to noncurrent loans | 837.5000% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 5,918 |
| Noncurrent loans to loans | 0.1507% | 5,558 |
| Net loans and leases to total assets | 54.2096% | 4,515 |
| Net loans and leases to deposits | 61.4016% | 4,744 |
| Net loans and leases to core deposits | 63.0050% | 4,898 |
| Total domestic deposits to total assets | 88.2871% | 1,744 |
| Equity capital to assets | 10.3517% | 3,621 |
| Core capital (leverage) ratio | 10.2546% | 3,260 |
| Tier 1 risk-based capital ratio | 18.3417% | 2,117 |
| Total risk-based capital ratio | 19.5794% | 2,089 |
| Memoranda: | ||
| Average total assets | $169,047,330 | 3,393 |
| Average earning assets | $157,413,670 | 3,357 |
| Average equity | $15,981,330 | 3,696 |
| Average total loans | $89,520,000 | 3,689 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7710% | 4,601 |
| Cost of funding earning assets | 0.1878% | 6,091 |
| Net interest margin | 3.5832% | 3,320 |
| Noninterest income to average assets | 0.6092% | 2,682 |
| Noninterest expense to average assets | 2.5653% | 4,394 |
| Loan and lease loss provision to assets | 0.1050% | 2,169 |
| Net operating income to assets | 1.2791% | 1,269 |
| Return on assets (ROA) | 1.2768% | 1,329 |
| Pretax return on assets | 1.2768% | 2,189 |
| Return on Equity (ROE) | 14.1504% | 920 |
| Retained earnings to average equity (ytd only) | 14.1504% | 383 |
| Net charge-offs to loans | 0.0045% | 3,582 |
| Credit loss provision to net charge-offs | 4,500.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 593.0000% | 58 |
| Efficiency ratio | 64.9527% | 4,700 |
| Assets per employee ($millions) | 3.5933% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 4,266 |
| Loan loss allowance to noncurrent loans | 991.3043% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 6,059 |
| Noncurrent loans to loans | 0.1283% | 5,722 |
| Net loans and leases to total assets | 53.5231% | 4,487 |
| Net loans and leases to deposits | 60.1730% | 4,743 |
| Net loans and leases to core deposits | 61.3246% | 4,938 |
| Total domestic deposits to total assets | 88.9487% | 1,694 |
| Equity capital to assets | 9.7409% | 4,179 |
| Core capital (leverage) ratio | 10.1198% | 3,403 |
| Tier 1 risk-based capital ratio | 18.0554% | 2,273 |
| Total risk-based capital ratio | 19.2989% | 2,254 |
| Memoranda: | ||
| Average total assets | $171,367,000 | 3,387 |
| Average earning assets | $159,745,500 | 3,350 |
| Average equity | $15,462,500 | 3,785 |
| Average total loans | $89,148,000 | 3,718 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8075% | 4,794 |
| Cost of funding earning assets | 0.2023% | 6,279 |
| Net interest margin | 3.6052% | 3,446 |
| Noninterest income to average assets | 0.6568% | 2,773 |
| Noninterest expense to average assets | 2.8902% | 3,400 |
| Loan and lease loss provision to assets | 0.0451% | 4,223 |
| Net operating income to assets | 1.0630% | 2,067 |
| Return on assets (ROA) | 1.0756% | 2,102 |
| Pretax return on assets | 1.0756% | 3,048 |
| Return on Equity (ROE) | 11.4203% | 1,627 |
| Retained earnings to average equity (ytd only) | 6.0483% | 1,939 |
| Net charge-offs to loans | 0.1088% | 3,742 |
| Credit loss provision to net charge-offs | 84.2697% | 2,920 |
| Earnings coverage of net charge-offs (x) | 20.7191% | 1,533 |
| Efficiency ratio | 72.2873% | 3,420 |
| Assets per employee ($millions) | 3.9431% | 3,977 |
| Cash dividends to net income (ytd only)* | 47.0391% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 4,469 |
| Loan loss allowance to noncurrent loans | 996.3636% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 6,176 |
| Noncurrent loans to loans | 0.1240% | 5,829 |
| Net loans and leases to total assets | 49.3629% | 5,149 |
| Net loans and leases to deposits | 54.6151% | 5,416 |
| Net loans and leases to core deposits | 55.5714% | 5,569 |
| Total domestic deposits to total assets | 90.3833% | 884 |
| Equity capital to assets | 8.3543% | 5,732 |
| Core capital (leverage) ratio | 9.9077% | 3,689 |
| Tier 1 risk-based capital ratio | 17.4942% | 2,417 |
| Total risk-based capital ratio | 18.6921% | 2,409 |
| Memoranda: | ||
| Average total assets | $166,423,600 | 3,467 |
| Average earning assets | $154,248,400 | 3,430 |
| Average equity | $15,673,800 | 3,751 |
| Average total loans | $81,810,800 | 3,884 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 4,718 |
| Cost of funding earning assets | 0.2069% | 6,374 |
| Net interest margin | 3.6283% | 3,328 |
| Noninterest income to average assets | 0.6664% | 2,793 |
| Noninterest expense to average assets | 2.7111% | 3,980 |
| Loan and lease loss provision to assets | 0.0367% | 4,282 |
| Net operating income to assets | 1.2757% | 1,411 |
| Return on assets (ROA) | 1.2928% | 1,437 |
| Pretax return on assets | 1.2928% | 2,359 |
| Return on Equity (ROE) | 13.3194% | 1,164 |
| Retained earnings to average equity (ytd only) | 10.0797% | 772 |
| Net charge-offs to loans | 0.1132% | 3,413 |
| Credit loss provision to net charge-offs | 66.1765% | 3,156 |
| Earnings coverage of net charge-offs (x) | 23.6924% | 1,458 |
| Efficiency ratio | 67.3821% | 4,214 |
| Assets per employee ($millions) | 3.3960% | 5,072 |
| Cash dividends to net income (ytd only)* | 24.3224% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 4,538 |
| Loan loss allowance to noncurrent loans | 593.9891% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 6,080 |
| Noncurrent loans to loans | 0.2140% | 5,702 |
| Net loans and leases to total assets | 54.0578% | 4,605 |
| Net loans and leases to deposits | 60.9580% | 4,869 |
| Net loans and leases to core deposits | 62.2261% | 5,093 |
| Total domestic deposits to total assets | 88.6804% | 1,733 |
| Equity capital to assets | 9.9375% | 3,993 |
| Core capital (leverage) ratio | 10.4291% | 3,090 |
| Tier 1 risk-based capital ratio | 18.3336% | 2,207 |
| Total risk-based capital ratio | 19.5593% | 2,173 |
| Memoranda: | ||
| Average total assets | $163,669,250 | 3,534 |
| Average earning assets | $151,433,500 | 3,507 |
| Average equity | $15,886,250 | 3,761 |
| Average total loans | $80,092,000 | 3,968 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7146% | 5,104 |
| Cost of funding earning assets | 0.2147% | 6,406 |
| Net interest margin | 3.4999% | 3,782 |
| Noninterest income to average assets | 0.6271% | 3,034 |
| Noninterest expense to average assets | 2.6987% | 4,038 |
| Loan and lease loss provision to assets | 0.0542% | 3,911 |
| Net operating income to assets | 1.1122% | 1,884 |
| Return on assets (ROA) | 1.1375% | 1,901 |
| Pretax return on assets | 1.1375% | 2,933 |
| Return on Equity (ROE) | 11.8073% | 1,552 |
| Retained earnings to average equity (ytd only) | 8.4713% | 1,304 |
| Net charge-offs to loans | 0.1763% | 2,708 |
| Credit loss provision to net charge-offs | 65.2174% | 2,926 |
| Earnings coverage of net charge-offs (x) | 14.0435% | 1,854 |
| Efficiency ratio | 69.8225% | 3,861 |
| Assets per employee ($millions) | 3.5189% | 4,809 |
| Cash dividends to net income (ytd only)* | 28.2540% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 4,282 |
| Loan loss allowance to noncurrent loans | 332.1101% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 5,878 |
| Noncurrent loans to loans | 0.4056% | 5,249 |
| Net loans and leases to total assets | 50.2242% | 5,088 |
| Net loans and leases to deposits | 56.1668% | 5,322 |
| Net loans and leases to core deposits | 57.3085% | 5,491 |
| Total domestic deposits to total assets | 89.4198% | 1,367 |
| Equity capital to assets | 9.2395% | 4,933 |
| Core capital (leverage) ratio | 9.8373% | 3,741 |
| Tier 1 risk-based capital ratio | 18.4971% | 2,143 |
| Total risk-based capital ratio | 19.7477% | 2,102 |
| Memoranda: | ||
| Average total assets | $166,153,670 | 3,525 |
| Average earning assets | $153,717,000 | 3,494 |
| Average equity | $16,007,000 | 3,770 |
| Average total loans | $78,278,000 | 4,031 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6356% | 5,347 |
| Cost of funding earning assets | 0.2164% | 6,496 |
| Net interest margin | 3.4192% | 4,048 |
| Noninterest income to average assets | 0.5692% | 3,308 |
| Noninterest expense to average assets | 2.5404% | 4,613 |
| Loan and lease loss provision to assets | 0.1058% | 2,920 |
| Net operating income to assets | 1.0820% | 1,928 |
| Return on assets (ROA) | 1.0867% | 2,022 |
| Pretax return on assets | 1.0867% | 3,008 |
| Return on Equity (ROE) | 11.0692% | 1,686 |
| Retained earnings to average equity (ytd only) | 11.0692% | 856 |
| Net charge-offs to loans | 0.0156% | 3,843 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 168.3333% | 238 |
| Efficiency ratio | 68.1388% | 4,283 |
| Assets per employee ($millions) | 3.5739% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 3,812 |
| Loan loss allowance to noncurrent loans | 417.3913% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 6,057 |
| Noncurrent loans to loans | 0.3602% | 5,502 |
| Net loans and leases to total assets | 46.9330% | 5,335 |
| Net loans and leases to deposits | 53.1086% | 5,513 |
| Net loans and leases to core deposits | 54.1825% | 5,652 |
| Total domestic deposits to total assets | 88.3718% | 2,086 |
| Equity capital to assets | 10.4001% | 3,670 |
| Core capital (leverage) ratio | 9.8062% | 3,655 |
| Tier 1 risk-based capital ratio | 19.2234% | 1,972 |
| Total risk-based capital ratio | 20.4756% | 1,946 |
| Memoranda: | ||
| Average total assets | $170,054,500 | 3,489 |
| Average earning assets | $157,112,000 | 3,484 |
| Average equity | $16,695,000 | 3,714 |
| Average total loans | $77,108,500 | 4,095 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0807% | 5,014 |
| Cost of funding earning assets | 0.3069% | 6,418 |
| Net interest margin | 3.7738% | 3,345 |
| Noninterest income to average assets | 0.6907% | 2,769 |
| Noninterest expense to average assets | 2.9436% | 3,488 |
| Loan and lease loss provision to assets | 0.0961% | 4,451 |
| Net operating income to assets | 1.0867% | 1,985 |
| Return on assets (ROA) | 1.0893% | 2,161 |
| Pretax return on assets | 1.0893% | 3,199 |
| Return on Equity (ROE) | 10.3019% | 2,046 |
| Retained earnings to average equity (ytd only) | 5.0419% | 2,675 |
| Net charge-offs to loans | 0.4580% | 2,406 |
| Credit loss provision to net charge-offs | 41.8994% | 4,893 |
| Earnings coverage of net charge-offs (x) | 5.1564% | 3,133 |
| Efficiency ratio | 71.3354% | 3,558 |
| Assets per employee ($millions) | 3.9841% | 3,984 |
| Cash dividends to net income (ytd only)* | 51.0588% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 4,013 |
| Loan loss allowance to noncurrent loans | 127.2936% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 5,252 |
| Noncurrent loans to loans | 1.1239% | 3,963 |
| Net loans and leases to total assets | 42.6558% | 5,935 |
| Net loans and leases to deposits | 47.6038% | 6,133 |
| Net loans and leases to core deposits | 48.4525% | 6,238 |
| Total domestic deposits to total assets | 89.6059% | 1,185 |
| Equity capital to assets | 9.2948% | 5,160 |
| Core capital (leverage) ratio | 9.5741% | 4,003 |
| Tier 1 risk-based capital ratio | 16.9128% | 2,695 |
| Total risk-based capital ratio | 18.1596% | 2,659 |
| Memoranda: | ||
| Average total assets | $156,069,000 | 3,684 |
| Average earning assets | $142,083,200 | 3,694 |
| Average equity | $16,501,800 | 3,704 |
| Average total loans | $78,171,200 | 4,089 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 4,538 |
| Cost of funding earning assets | 0.3334% | 6,448 |
| Net interest margin | 3.9448% | 2,727 |
| Noninterest income to average assets | 0.6655% | 2,901 |
| Noninterest expense to average assets | 2.7950% | 3,997 |
| Loan and lease loss provision to assets | 0.1065% | 4,236 |
| Net operating income to assets | 1.3540% | 1,321 |
| Return on assets (ROA) | 1.3540% | 1,459 |
| Pretax return on assets | 1.3540% | 2,399 |
| Return on Equity (ROE) | 12.3601% | 1,509 |
| Retained earnings to average equity (ytd only) | 8.5613% | 1,391 |
| Net charge-offs to loans | 0.0221% | 5,354 |
| Credit loss provision to net charge-offs | 923.0769% | 308 |
| Earnings coverage of net charge-offs (x) | 126.6365% | 347 |
| Efficiency ratio | 65.6797% | 4,508 |
| Assets per employee ($millions) | 3.3648% | 5,294 |
| Cash dividends to net income (ytd only)* | 30.7340% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8309% | 2,701 |
| Loan loss allowance to noncurrent loans | 144.2308% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 4,846 |
| Noncurrent loans to loans | 1.2694% | 3,932 |
| Net loans and leases to total assets | 50.4610% | 5,256 |
| Net loans and leases to deposits | 58.3757% | 5,390 |
| Net loans and leases to core deposits | 59.6555% | 5,594 |
| Total domestic deposits to total assets | 86.4418% | 3,020 |
| Equity capital to assets | 11.3285% | 2,903 |
| Core capital (leverage) ratio | 10.3912% | 3,049 |
| Tier 1 risk-based capital ratio | 18.2826% | 2,240 |
| Total risk-based capital ratio | 19.5387% | 2,212 |
| Memoranda: | ||
| Average total assets | $150,265,250 | 3,816 |
| Average earning assets | $136,749,250 | 3,813 |
| Average equity | $16,461,250 | 3,745 |
| Average total loans | $78,317,750 | 4,130 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3172% | 4,496 |
| Cost of funding earning assets | 0.3670% | 6,435 |
| Net interest margin | 3.9502% | 2,717 |
| Noninterest income to average assets | 0.6338% | 3,049 |
| Noninterest expense to average assets | 2.8035% | 4,009 |
| Loan and lease loss provision to assets | 0.1001% | 4,276 |
| Net operating income to assets | 1.3210% | 1,390 |
| Return on assets (ROA) | 1.3210% | 1,538 |
| Pretax return on assets | 1.3210% | 2,479 |
| Return on Equity (ROE) | 12.1991% | 1,604 |
| Retained earnings to average equity (ytd only) | 8.5517% | 1,432 |
| Net charge-offs to loans | 0.0357% | 4,884 |
| Credit loss provision to net charge-offs | 535.7143% | 569 |
| Earnings coverage of net charge-offs (x) | 76.0714% | 534 |
| Efficiency ratio | 66.3613% | 4,472 |
| Assets per employee ($millions) | 3.1894% | 5,665 |
| Cash dividends to net income (ytd only)* | 29.8990% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 2,909 |
| Loan loss allowance to noncurrent loans | 250.2722% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 5,626 |
| Noncurrent loans to loans | 0.7124% | 5,080 |
| Net loans and leases to total assets | 51.7742% | 5,127 |
| Net loans and leases to deposits | 59.4804% | 5,293 |
| Net loans and leases to core deposits | 60.8157% | 5,507 |
| Total domestic deposits to total assets | 87.0442% | 2,742 |
| Equity capital to assets | 11.3520% | 2,735 |
| Core capital (leverage) ratio | 10.1588% | 3,193 |
| Tier 1 risk-based capital ratio | 18.1225% | 2,257 |
| Total risk-based capital ratio | 19.3773% | 2,225 |
| Memoranda: | ||
| Average total assets | $149,882,330 | 3,837 |
| Average earning assets | $136,245,670 | 3,844 |
| Average equity | $16,230,670 | 3,772 |
| Average total loans | $78,480,330 | 4,140 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 4,817 |
| Cost of funding earning assets | 0.3943% | 6,437 |
| Net interest margin | 3.8850% | 2,985 |
| Noninterest income to average assets | 0.6787% | 2,766 |
| Noninterest expense to average assets | 2.9234% | 3,526 |
| Loan and lease loss provision to assets | 0.0792% | 4,408 |
| Net operating income to assets | 1.2148% | 1,695 |
| Return on assets (ROA) | 1.2148% | 1,877 |
| Pretax return on assets | 1.2148% | 2,860 |
| Return on Equity (ROE) | 11.4867% | 1,842 |
| Retained earnings to average equity (ytd only) | 11.4867% | 925 |
| Net charge-offs to loans | 0.0607% | 3,888 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 40.8333% | 741 |
| Efficiency ratio | 69.3175% | 3,926 |
| Assets per employee ($millions) | 3.1086% | 5,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7044% | 3,333 |
| Loan loss allowance to noncurrent loans | 193.9042% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 4,888 |
| Noncurrent loans to loans | 0.8790% | 4,913 |
| Net loans and leases to total assets | 52.7378% | 4,916 |
| Net loans and leases to deposits | 61.1157% | 5,028 |
| Net loans and leases to core deposits | 62.2499% | 5,296 |
| Total domestic deposits to total assets | 86.2918% | 3,366 |
| Equity capital to assets | 11.1716% | 2,736 |
| Core capital (leverage) ratio | 10.3276% | 2,956 |
| Tier 1 risk-based capital ratio | 17.3176% | 2,542 |
| Total risk-based capital ratio | 18.5711% | 2,515 |
| Memoranda: | ||
| Average total assets | $151,466,500 | 3,844 |
| Average earning assets | $137,968,000 | 3,849 |
| Average equity | $16,018,500 | 3,815 |
| Average total loans | $79,051,000 | 4,149 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 4,719 |
| Cost of funding earning assets | 0.5027% | 6,520 |
| Net interest margin | 4.0849% | 2,501 |
| Noninterest income to average assets | 0.7356% | 2,415 |
| Noninterest expense to average assets | 3.2009% | 2,863 |
| Loan and lease loss provision to assets | 0.1175% | 5,133 |
| Net operating income to assets | 1.1587% | 1,643 |
| Return on assets (ROA) | 1.1822% | 1,673 |
| Pretax return on assets | 1.1822% | 2,514 |
| Return on Equity (ROE) | 11.5392% | 1,544 |
| Retained earnings to average equity (ytd only) | 5.0273% | 2,619 |
| Net charge-offs to loans | 0.0012% | 6,435 |
| Credit loss provision to net charge-offs | 17,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 1,846.0000% | 8 |
| Efficiency ratio | 71.4947% | 3,693 |
| Assets per employee ($millions) | 3.3368% | 5,409 |
| Cash dividends to net income (ytd only)* | 56.4327% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 3,366 |
| Loan loss allowance to noncurrent loans | 165.3701% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 5,695 |
| Noncurrent loans to loans | 0.9998% | 4,706 |
| Net loans and leases to total assets | 49.9882% | 5,582 |
| Net loans and leases to deposits | 56.7576% | 5,820 |
| Net loans and leases to core deposits | 57.7153% | 6,017 |
| Total domestic deposits to total assets | 88.0731% | 2,106 |
| Equity capital to assets | 10.0203% | 4,145 |
| Core capital (leverage) ratio | 10.0424% | 3,288 |
| Tier 1 risk-based capital ratio | 16.2127% | 2,952 |
| Total risk-based capital ratio | 17.4663% | 2,915 |
| Memoranda: | ||
| Average total assets | $144,645,600 | 3,895 |
| Average earning assets | $132,488,600 | 3,881 |
| Average equity | $14,819,000 | 3,950 |
| Average total loans | $80,172,400 | 4,136 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7093% | 4,414 |
| Cost of funding earning assets | 0.5177% | 6,636 |
| Net interest margin | 4.1916% | 2,136 |
| Noninterest income to average assets | 0.7363% | 2,384 |
| Noninterest expense to average assets | 3.0649% | 3,300 |
| Loan and lease loss provision to assets | 0.1318% | 4,781 |
| Net operating income to assets | 1.3898% | 1,177 |
| Return on assets (ROA) | 1.4218% | 1,183 |
| Pretax return on assets | 1.4218% | 1,876 |
| Return on Equity (ROE) | 13.7943% | 1,081 |
| Retained earnings to average equity (ytd only) | 8.8064% | 1,212 |
| Net charge-offs to loans | 0.0033% | 6,149 |
| Credit loss provision to net charge-offs | 7,000.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 806.9700% | 39 |
| Efficiency ratio | 66.8241% | 4,562 |
| Assets per employee ($millions) | 2.9170% | 6,279 |
| Cash dividends to net income (ytd only)* | 36.1589% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 3,556 |
| Loan loss allowance to noncurrent loans | 113.9947% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 5,158 |
| Noncurrent loans to loans | 1.4249% | 4,155 |
| Net loans and leases to total assets | 55.6694% | 4,891 |
| Net loans and leases to deposits | 65.3296% | 5,005 |
| Net loans and leases to core deposits | 70.3738% | 4,907 |
| Total domestic deposits to total assets | 85.2131% | 3,668 |
| Equity capital to assets | 11.3666% | 2,804 |
| Core capital (leverage) ratio | 10.4301% | 2,959 |
| Tier 1 risk-based capital ratio | 17.2762% | 2,535 |
| Total risk-based capital ratio | 18.5296% | 2,496 |
| Memoranda: | ||
| Average total assets | $141,599,250 | 3,968 |
| Average earning assets | $130,065,250 | 3,954 |
| Average equity | $14,595,000 | 4,003 |
| Average total loans | $80,286,750 | 4,161 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6361% | 4,812 |
| Cost of funding earning assets | 0.5336% | 6,727 |
| Net interest margin | 4.1025% | 2,399 |
| Noninterest income to average assets | 0.7331% | 2,355 |
| Noninterest expense to average assets | 3.0747% | 3,350 |
| Loan and lease loss provision to assets | 0.1548% | 4,379 |
| Net operating income to assets | 1.2791% | 1,372 |
| Return on assets (ROA) | 1.3284% | 1,329 |
| Pretax return on assets | 1.3284% | 2,045 |
| Return on Equity (ROE) | 13.3380% | 1,127 |
| Retained earnings to average equity (ytd only) | 8.3221% | 1,335 |
| Net charge-offs to loans | -0.0025% | 6,533 |
| Credit loss provision to net charge-offs | -11,000.0000% | 6,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1960% | 4,484 |
| Assets per employee ($millions) | 3.1679% | 5,703 |
| Cash dividends to net income (ytd only)* | 37.6059% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 3,800 |
| Loan loss allowance to noncurrent loans | 134.1853% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 5,581 |
| Noncurrent loans to loans | 1.1741% | 4,689 |
| Net loans and leases to total assets | 55.2176% | 5,120 |
| Net loans and leases to deposits | 63.7588% | 5,309 |
| Net loans and leases to core deposits | 67.5401% | 5,333 |
| Total domestic deposits to total assets | 86.6039% | 2,984 |
| Equity capital to assets | 10.4661% | 3,551 |
| Core capital (leverage) ratio | 10.0891% | 3,155 |
| Tier 1 risk-based capital ratio | 16.5240% | 2,731 |
| Total risk-based capital ratio | 17.7771% | 2,686 |
| Memoranda: | ||
| Average total assets | $142,127,000 | 3,990 |
| Average earning assets | $130,799,330 | 3,966 |
| Average equity | $14,155,000 | 4,095 |
| Average total loans | $80,638,000 | 4,189 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5519% | 5,161 |
| Cost of funding earning assets | 0.5782% | 6,697 |
| Net interest margin | 3.9737% | 2,809 |
| Noninterest income to average assets | 0.7216% | 2,439 |
| Noninterest expense to average assets | 3.0808% | 3,331 |
| Loan and lease loss provision to assets | 0.1550% | 4,089 |
| Net operating income to assets | 1.1472% | 1,676 |
| Return on assets (ROA) | 1.1472% | 1,725 |
| Pretax return on assets | 1.1472% | 2,576 |
| Return on Equity (ROE) | 11.8207% | 1,509 |
| Retained earnings to average equity (ytd only) | 11.8207% | 762 |
| Net charge-offs to loans | 0.0049% | 5,057 |
| Credit loss provision to net charge-offs | 5,500.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 462.0000% | 53 |
| Efficiency ratio | 70.2894% | 4,196 |
| Assets per employee ($millions) | 2.9900% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 4,101 |
| Loan loss allowance to noncurrent loans | 122.0081% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 5,504 |
| Noncurrent loans to loans | 1.2479% | 4,602 |
| Net loans and leases to total assets | 56.5742% | 4,898 |
| Net loans and leases to deposits | 65.2317% | 5,087 |
| Net loans and leases to core deposits | 67.3933% | 5,371 |
| Total domestic deposits to total assets | 86.7280% | 3,106 |
| Equity capital to assets | 10.2255% | 3,505 |
| Core capital (leverage) ratio | 10.1293% | 2,996 |
| Tier 1 risk-based capital ratio | 16.6282% | 2,610 |
| Total risk-based capital ratio | 17.8805% | 2,587 |
| Memoranda: | ||
| Average total assets | $141,912,500 | 4,029 |
| Average earning assets | $130,760,000 | 4,010 |
| Average equity | $13,772,500 | 4,159 |
| Average total loans | $80,969,000 | 4,219 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8359% | 5,291 |
| Cost of funding earning assets | 0.7045% | 6,877 |
| Net interest margin | 4.1315% | 2,443 |
| Noninterest income to average assets | 0.8349% | 2,122 |
| Noninterest expense to average assets | 3.3202% | 2,668 |
| Loan and lease loss provision to assets | 0.1589% | 5,619 |
| Net operating income to assets | 1.1426% | 1,569 |
| Return on assets (ROA) | 1.1953% | 1,507 |
| Pretax return on assets | 1.1953% | 2,240 |
| Return on Equity (ROE) | 12.0893% | 1,303 |
| Retained earnings to average equity (ytd only) | 5.4128% | 2,169 |
| Net charge-offs to loans | 0.1085% | 5,789 |
| Credit loss provision to net charge-offs | 247.1910% | 1,159 |
| Earnings coverage of net charge-offs (x) | 20.2472% | 1,015 |
| Efficiency ratio | 71.8393% | 3,821 |
| Assets per employee ($millions) | 3.1802% | 5,716 |
| Cash dividends to net income (ytd only)* | 55.2266% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 4,585 |
| Loan loss allowance to noncurrent loans | 118.8211% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.6610% | 5,683 |
| Noncurrent loans to loans | 1.1661% | 4,770 |
| Net loans and leases to total assets | 55.9004% | 5,360 |
| Net loans and leases to deposits | 64.1947% | 5,606 |
| Net loans and leases to core deposits | 66.8331% | 5,796 |
| Total domestic deposits to total assets | 87.0795% | 2,777 |
| Equity capital to assets | 9.2154% | 4,816 |
| Core capital (leverage) ratio | 9.9310% | 3,163 |
| Tier 1 risk-based capital ratio | 15.3134% | 3,092 |
| Total risk-based capital ratio | 16.5641% | 3,047 |
| Memoranda: | ||
| Average total assets | $138,453,600 | 4,085 |
| Average earning assets | $126,904,400 | 4,084 |
| Average equity | $13,689,800 | 4,216 |
| Average total loans | $82,027,000 | 4,278 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9356% | 5,099 |
| Cost of funding earning assets | 0.7429% | 6,936 |
| Net interest margin | 4.1927% | 2,243 |
| Noninterest income to average assets | 0.8889% | 1,837 |
| Noninterest expense to average assets | 3.1199% | 3,240 |
| Loan and lease loss provision to assets | 0.1612% | 5,421 |
| Net operating income to assets | 1.4447% | 1,029 |
| Return on assets (ROA) | 1.5121% | 982 |
| Pretax return on assets | 1.5121% | 1,581 |
| Return on Equity (ROE) | 15.0193% | 850 |
| Retained earnings to average equity (ytd only) | 9.9352% | 812 |
| Net charge-offs to loans | 0.1467% | 5,133 |
| Credit loss provision to net charge-offs | 183.3333% | 1,979 |
| Earnings coverage of net charge-offs (x) | 18.2663% | 1,271 |
| Efficiency ratio | 66.0190% | 4,853 |
| Assets per employee ($millions) | 2.8930% | 6,391 |
| Cash dividends to net income (ytd only)* | 33.8501% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 4,719 |
| Loan loss allowance to noncurrent loans | 113.8542% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8206% | 5,452 |
| Noncurrent loans to loans | 1.1837% | 4,877 |
| Net loans and leases to total assets | 60.1237% | 4,889 |
| Net loans and leases to deposits | 70.4040% | 5,086 |
| Net loans and leases to core deposits | 73.3134% | 5,376 |
| Total domestic deposits to total assets | 85.3981% | 3,407 |
| Equity capital to assets | 10.8747% | 3,082 |
| Core capital (leverage) ratio | 10.0682% | 3,182 |
| Tier 1 risk-based capital ratio | 16.4537% | 2,579 |
| Total risk-based capital ratio | 17.7040% | 2,529 |
| Memoranda: | ||
| Average total assets | $136,495,250 | 4,177 |
| Average earning assets | $124,913,000 | 4,188 |
| Average equity | $13,742,000 | 4,262 |
| Average total loans | $81,802,750 | 4,355 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8405% | 5,638 |
| Cost of funding earning assets | 0.7339% | 7,113 |
| Net interest margin | 4.1065% | 2,530 |
| Noninterest income to average assets | 0.9242% | 1,604 |
| Noninterest expense to average assets | 3.1039% | 3,299 |
| Loan and lease loss provision to assets | 0.1598% | 5,291 |
| Net operating income to assets | 1.4168% | 1,066 |
| Return on assets (ROA) | 1.4168% | 1,131 |
| Pretax return on assets | 1.4168% | 1,790 |
| Return on Equity (ROE) | 14.4459% | 949 |
| Retained earnings to average equity (ytd only) | 9.2602% | 1,027 |
| Net charge-offs to loans | 0.2267% | 4,241 |
| Credit loss provision to net charge-offs | 118.2796% | 3,434 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,747 |
| Efficiency ratio | 66.3148% | 4,925 |
| Assets per employee ($millions) | 2.9646% | 6,219 |
| Cash dividends to net income (ytd only)* | 35.8974% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 5,026 |
| Loan loss allowance to noncurrent loans | 101.0742% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 5,304 |
| Noncurrent loans to loans | 1.2680% | 4,847 |
| Net loans and leases to total assets | 58.4588% | 5,342 |
| Net loans and leases to deposits | 68.6312% | 5,467 |
| Net loans and leases to core deposits | 72.9367% | 5,565 |
| Total domestic deposits to total assets | 85.1782% | 3,530 |
| Equity capital to assets | 10.2000% | 3,769 |
| Core capital (leverage) ratio | 9.7272% | 3,499 |
| Tier 1 risk-based capital ratio | 15.7195% | 2,797 |
| Total risk-based capital ratio | 16.9368% | 2,777 |
| Memoranda: | ||
| Average total assets | $137,634,000 | 4,182 |
| Average earning assets | $125,896,670 | 4,185 |
| Average equity | $13,498,670 | 4,323 |
| Average total loans | $82,035,330 | 4,383 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 5,890 |
| Cost of funding earning assets | 0.7605% | 7,204 |
| Net interest margin | 4.0394% | 2,703 |
| Noninterest income to average assets | 1.0559% | 1,140 |
| Noninterest expense to average assets | 3.0753% | 3,364 |
| Loan and lease loss provision to assets | 0.1591% | 4,939 |
| Net operating income to assets | 1.5246% | 859 |
| Return on assets (ROA) | 1.5246% | 921 |
| Pretax return on assets | 1.5246% | 1,453 |
| Return on Equity (ROE) | 15.8580% | 737 |
| Retained earnings to average equity (ytd only) | 15.8580% | 351 |
| Net charge-offs to loans | 0.1597% | 3,967 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 17.6364% | 1,273 |
| Efficiency ratio | 64.6201% | 5,369 |
| Assets per employee ($millions) | 2.9562% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 5,075 |
| Loan loss allowance to noncurrent loans | 66.9241% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.2399% | 4,698 |
| Noncurrent loans to loans | 1.9018% | 3,920 |
| Net loans and leases to total assets | 59.3254% | 5,237 |
| Net loans and leases to deposits | 68.4638% | 5,536 |
| Net loans and leases to core deposits | 72.8010% | 5,631 |
| Total domestic deposits to total assets | 86.6521% | 2,814 |
| Equity capital to assets | 9.9232% | 3,953 |
| Core capital (leverage) ratio | 10.1984% | 2,930 |
| Tier 1 risk-based capital ratio | 15.5042% | 2,867 |
| Total risk-based capital ratio | 16.7194% | 2,832 |
| Memoranda: | ||
| Average total assets | $138,264,500 | 4,224 |
| Average earning assets | $126,750,500 | 4,220 |
| Average equity | $13,293,000 | 4,412 |
| Average total loans | $82,674,500 | 4,423 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3957% | 4,716 |
| Cost of funding earning assets | 0.9600% | 7,285 |
| Net interest margin | 4.4357% | 1,330 |
| Noninterest income to average assets | 0.7036% | 2,942 |
| Noninterest expense to average assets | 3.4933% | 2,392 |
| Loan and lease loss provision to assets | 0.1418% | 6,222 |
| Net operating income to assets | 1.1028% | 1,504 |
| Return on assets (ROA) | 1.1028% | 1,541 |
| Pretax return on assets | 1.1028% | 2,246 |
| Return on Equity (ROE) | 11.0008% | 1,425 |
| Retained earnings to average equity (ytd only) | 3.9360% | 2,452 |
| Net charge-offs to loans | 0.0503% | 6,597 |
| Credit loss provision to net charge-offs | 438.0952% | 717 |
| Earnings coverage of net charge-offs (x) | 38.4524% | 617 |
| Efficiency ratio | 73.7313% | 3,954 |
| Assets per employee ($millions) | 2.9903% | 6,250 |
| Cash dividends to net income (ytd only)* | 64.2208% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 5,257 |
| Loan loss allowance to noncurrent loans | 90.2482% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.8965% | 5,307 |
| Noncurrent loans to loans | 1.3487% | 4,673 |
| Net loans and leases to total assets | 58.7840% | 5,520 |
| Net loans and leases to deposits | 67.6864% | 5,868 |
| Net loans and leases to core deposits | 79.3420% | 6,161 |
| Total domestic deposits to total assets | 86.8476% | 2,584 |
| Equity capital to assets | 9.3152% | 4,680 |
| Core capital (leverage) ratio | 9.9982% | 3,094 |
| Tier 1 risk-based capital ratio | 14.4759% | 3,224 |
| Total risk-based capital ratio | 15.6326% | 3,224 |
| Memoranda: | ||
| Average total assets | $129,763,200 | 4,339 |
| Average earning assets | $118,019,200 | 4,356 |
| Average equity | $13,008,200 | 4,509 |
| Average total loans | $83,527,400 | 4,399 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5417% | 4,201 |
| Cost of funding earning assets | 0.9969% | 7,392 |
| Net interest margin | 4.5449% | 1,081 |
| Noninterest income to average assets | 0.6915% | 3,078 |
| Noninterest expense to average assets | 3.3210% | 2,832 |
| Loan and lease loss provision to assets | 0.1354% | 6,004 |
| Net operating income to assets | 1.3588% | 1,105 |
| Return on assets (ROA) | 1.3588% | 1,164 |
| Pretax return on assets | 1.3588% | 1,801 |
| Return on Equity (ROE) | 13.2947% | 1,044 |
| Retained earnings to average equity (ytd only) | 8.0898% | 1,112 |
| Net charge-offs to loans | 0.0639% | 6,056 |
| Credit loss provision to net charge-offs | 322.5000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 35.6014% | 818 |
| Efficiency ratio | 68.9693% | 4,794 |
| Assets per employee ($millions) | 2.7145% | 6,816 |
| Cash dividends to net income (ytd only)* | 39.1505% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 5,306 |
| Loan loss allowance to noncurrent loans | 1,206.2500% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 7,402 |
| Noncurrent loans to loans | 0.0969% | 7,240 |
| Net loans and leases to total assets | 65.3615% | 4,565 |
| Net loans and leases to deposits | 76.2265% | 5,001 |
| Net loans and leases to core deposits | 90.5746% | 5,385 |
| Total domestic deposits to total assets | 85.7464% | 2,833 |
| Equity capital to assets | 10.7562% | 3,239 |
| Core capital (leverage) ratio | 10.2539% | 3,012 |
| Tier 1 risk-based capital ratio | 15.6589% | 2,748 |
| Total risk-based capital ratio | 16.8199% | 2,722 |
| Memoranda: | ||
| Average total assets | $127,067,750 | 4,425 |
| Average earning assets | $115,291,750 | 4,443 |
| Average equity | $12,987,250 | 4,542 |
| Average total loans | $83,500,250 | 4,434 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4897% | 4,693 |
| Cost of funding earning assets | 1.0169% | 7,516 |
| Net interest margin | 4.4728% | 1,238 |
| Noninterest income to average assets | 0.6948% | 3,020 |
| Noninterest expense to average assets | 3.3552% | 2,770 |
| Loan and lease loss provision to assets | 0.1346% | 5,734 |
| Net operating income to assets | 1.2660% | 1,313 |
| Return on assets (ROA) | 1.2660% | 1,395 |
| Pretax return on assets | 1.2660% | 2,118 |
| Return on Equity (ROE) | 12.6019% | 1,258 |
| Retained earnings to average equity (ytd only) | 7.0409% | 1,570 |
| Net charge-offs to loans | 0.0835% | 5,369 |
| Credit loss provision to net charge-offs | 245.7143% | 1,892 |
| Earnings coverage of net charge-offs (x) | 25.5714% | 1,115 |
| Efficiency ratio | 70.5495% | 4,671 |
| Assets per employee ($millions) | 2.7802% | 6,678 |
| Cash dividends to net income (ytd only)* | 44.1286% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 5,443 |
| Loan loss allowance to noncurrent loans | 2,155.8140% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 7,530 |
| Noncurrent loans to loans | 0.0521% | 7,405 |
| Net loans and leases to total assets | 63.8501% | 5,016 |
| Net loans and leases to deposits | 74.3524% | 5,404 |
| Net loans and leases to core deposits | 88.6197% | 5,669 |
| Total domestic deposits to total assets | 85.8750% | 2,849 |
| Equity capital to assets | 10.1902% | 3,733 |
| Core capital (leverage) ratio | 9.9578% | 3,338 |
| Tier 1 risk-based capital ratio | 15.1738% | 2,948 |
| Total risk-based capital ratio | 16.2831% | 2,940 |
| Memoranda: | ||
| Average total assets | $127,801,330 | 4,436 |
| Average earning assets | $116,035,330 | 4,462 |
| Average equity | $12,839,330 | 4,584 |
| Average total loans | $83,807,000 | 4,468 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5451% | 4,664 |
| Cost of funding earning assets | 1.0447% | 7,603 |
| Net interest margin | 4.5004% | 1,125 |
| Noninterest income to average assets | 0.6606% | 3,130 |
| Noninterest expense to average assets | 3.2405% | 2,830 |
| Loan and lease loss provision to assets | 0.1346% | 5,235 |
| Net operating income to assets | 1.3588% | 1,239 |
| Return on assets (ROA) | 1.3588% | 1,326 |
| Pretax return on assets | 1.3588% | 2,090 |
| Return on Equity (ROE) | 13.6232% | 1,240 |
| Retained earnings to average equity (ytd only) | 13.6232% | 548 |
| Net charge-offs to loans | 0.1421% | 3,821 |
| Credit loss provision to net charge-offs | 143.3333% | 2,862 |
| Earnings coverage of net charge-offs (x) | 15.9000% | 1,581 |
| Efficiency ratio | 68.4524% | 4,878 |
| Assets per employee ($millions) | 2.7246% | 6,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 5,704 |
| Loan loss allowance to noncurrent loans | 1,891.4894% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 6,676 |
| Noncurrent loans to loans | 0.0564% | 7,374 |
| Net loans and leases to total assets | 65.7656% | 4,638 |
| Net loans and leases to deposits | 76.5226% | 5,147 |
| Net loans and leases to core deposits | 90.6495% | 5,492 |
| Total domestic deposits to total assets | 85.9427% | 2,758 |
| Equity capital to assets | 10.3551% | 3,605 |
| Core capital (leverage) ratio | 10.2440% | 3,158 |
| Tier 1 risk-based capital ratio | 15.1847% | 2,978 |
| Total risk-based capital ratio | 16.2508% | 3,004 |
| Memoranda: | ||
| Average total assets | $127,758,500 | 4,452 |
| Average earning assets | $115,633,000 | 4,490 |
| Average equity | $12,743,000 | 4,643 |
| Average total loans | $84,419,000 | 4,479 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1000% | 5,044 |
| Cost of funding earning assets | 1.3583% | 7,789 |
| Net interest margin | 4.7418% | 884 |
| Noninterest income to average assets | 0.8052% | 2,489 |
| Noninterest expense to average assets | 3.5075% | 2,378 |
| Loan and lease loss provision to assets | 0.0924% | 6,211 |
| Net operating income to assets | 1.4918% | 1,041 |
| Return on assets (ROA) | 1.4918% | 999 |
| Pretax return on assets | 1.4885% | 1,716 |
| Return on Equity (ROE) | 14.9811% | 930 |
| Retained earnings to average equity (ytd only) | 6.6656% | 1,273 |
| Net charge-offs to loans | 0.0252% | 6,490 |
| Credit loss provision to net charge-offs | 538.0952% | 815 |
| Earnings coverage of net charge-offs (x) | 92.0952% | 458 |
| Efficiency ratio | 68.9317% | 4,554 |
| Assets per employee ($millions) | 2.8302% | 6,492 |
| Cash dividends to net income (ytd only)* | 55.5068% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 5,826 |
| Loan loss allowance to noncurrent loans | 612.5874% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 6,239 |
| Noncurrent loans to loans | 0.1672% | 6,895 |
| Net loans and leases to total assets | 65.0211% | 5,061 |
| Net loans and leases to deposits | 75.1647% | 5,712 |
| Net loans and leases to core deposits | 86.9381% | 6,065 |
| Total domestic deposits to total assets | 86.5048% | 2,167 |
| Equity capital to assets | 9.6077% | 4,531 |
| Core capital (leverage) ratio | 9.9134% | 3,536 |
| Tier 1 risk-based capital ratio | 14.2213% | 3,437 |
| Total risk-based capital ratio | 15.2400% | 3,473 |
| Memoranda: | ||
| Average total assets | $122,336,400 | 4,464 |
| Average earning assets | $110,507,400 | 4,501 |
| Average equity | $12,182,000 | 4,782 |
| Average total loans | $83,286,000 | 4,417 |