Home > Auburn State Bank > Performance and Condition Ratios
Auburn State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 3,999 |
| Cost of funding earning assets | 1.2476% | 2,663 |
| Net interest margin | 2.7295% | 3,775 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.5036% | 4,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0132% | 2,172 |
| Return on assets (ROA) | 0.9863% | 2,244 |
| Pretax return on assets | 1.1710% | 2,212 |
| Return on Equity (ROE) | 11.0400% | 2,212 |
| Retained earnings to average equity (ytd only) | 5.7870% | 2,324 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.5539% | 3,544 |
| Assets per employee ($millions) | 9.5323% | 821 |
| Cash dividends to net income (ytd only)* | 47.6034% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 1,253 |
| Loan loss allowance to noncurrent loans | 1,875.9494% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,443 |
| Noncurrent loans to loans | 0.0765% | 3,174 |
| Net loans and leases to total assets | 41.0500% | 4,001 |
| Net loans and leases to deposits | 46.4218% | 4,033 |
| Net loans and leases to core deposits | 62.8913% | 3,641 |
| Total domestic deposits to total assets | 88.4300% | 1,225 |
| Equity capital to assets | 10.2138% | 1,888 |
| Core capital (leverage) ratio | 15.3261% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $247,478,800 | 2,702 |
| Average earning assets | $232,609,000 | 2,667 |
| Average equity | $22,101,400 | 2,688 |
| Average total loans | $97,781,600 | 3,199 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 3,955 |
| Cost of funding earning assets | 1.1545% | 2,580 |
| Net interest margin | 2.7752% | 3,768 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.4218% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1200% | 1,990 |
| Return on assets (ROA) | 1.0838% | 2,092 |
| Pretax return on assets | 1.2762% | 2,104 |
| Return on Equity (ROE) | 12.5900% | 1,981 |
| Retained earnings to average equity (ytd only) | 5.3149% | 2,838 |
| Net charge-offs to loans | 0.0014% | 2,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 2,447.0000% | 57 |
| Efficiency ratio | 51.8781% | 3,762 |
| Assets per employee ($millions) | 9.2342% | 859 |
| Cash dividends to net income (ytd only)* | 57.7822% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 1,102 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 40.4000% | 4,039 |
| Net loans and leases to deposits | 44.5432% | 4,092 |
| Net loans and leases to core deposits | 59.3547% | 3,725 |
| Total domestic deposits to total assets | 90.7100% | 741 |
| Equity capital to assets | 7.9300% | 3,102 |
| Core capital (leverage) ratio | 15.0196% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $247,388,250 | 2,704 |
| Average earning assets | $232,483,500 | 2,680 |
| Average equity | $21,298,250 | 2,734 |
| Average total loans | $96,422,000 | 3,219 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8428% | 3,967 |
| Cost of funding earning assets | 1.0684% | 2,383 |
| Net interest margin | 2.7743% | 3,859 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.4194% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1353% | 2,019 |
| Return on assets (ROA) | 1.0816% | 2,165 |
| Pretax return on assets | 1.2665% | 2,175 |
| Return on Equity (ROE) | 12.2500% | 2,079 |
| Retained earnings to average equity (ytd only) | 1.7142% | 3,782 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.6308% | 3,803 |
| Assets per employee ($millions) | 9.4643% | 791 |
| Cash dividends to net income (ytd only)* | 86.0104% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 1,034 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 38.3000% | 4,101 |
| Net loans and leases to deposits | 42.7458% | 4,140 |
| Net loans and leases to core deposits | 55.4217% | 3,833 |
| Total domestic deposits to total assets | 89.6000% | 1,051 |
| Equity capital to assets | 9.1368% | 2,418 |
| Core capital (leverage) ratio | 14.4744% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $249,821,333 | 2,693 |
| Average earning assets | $235,299,000 | 2,677 |
| Average equity | $22,051,333 | 2,689 |
| Average total loans | $95,733,000 | 3,223 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7056% | 4,011 |
| Cost of funding earning assets | 0.9749% | 2,133 |
| Net interest margin | 2.7307% | 4,033 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.4255% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1060% | 2,208 |
| Return on assets (ROA) | 0.9980% | 2,504 |
| Pretax return on assets | 1.1601% | 2,537 |
| Return on Equity (ROE) | 11.5000% | 2,354 |
| Retained earnings to average equity (ytd only) | -9.7822% | 4,473 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.5791% | 3,731 |
| Assets per employee ($millions) | 8.7631% | 1,028 |
| Cash dividends to net income (ytd only)* | 185.0318% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 985 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 35.5600% | 4,207 |
| Net loans and leases to deposits | 39.5290% | 4,237 |
| Net loans and leases to core deposits | 49.9376% | 3,994 |
| Total domestic deposits to total assets | 89.9600% | 1,171 |
| Equity capital to assets | 8.8093% | 2,658 |
| Core capital (leverage) ratio | 14.0566% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $251,696,000 | 2,723 |
| Average earning assets | $237,151,500 | 2,687 |
| Average equity | $21,835,500 | 2,733 |
| Average total loans | $95,736,500 | 3,261 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2957% | 3,592 |
| Cost of funding earning assets | 0.5750% | 993 |
| Net interest margin | 2.7207% | 4,032 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.4003% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1065% | 2,146 |
| Return on assets (ROA) | 1.1065% | 2,082 |
| Pretax return on assets | 1.2770% | 2,173 |
| Return on Equity (ROE) | 10.9400% | 2,493 |
| Retained earnings to average equity (ytd only) | 6.2808% | 2,541 |
| Net charge-offs to loans | -0.0021% | 3,453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.3037% | 3,955 |
| Assets per employee ($millions) | 9.2319% | 846 |
| Cash dividends to net income (ytd only)* | 42.6109% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 1,234 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 39.3700% | 4,087 |
| Net loans and leases to deposits | 44.5015% | 4,096 |
| Net loans and leases to core deposits | 55.7417% | 3,730 |
| Total domestic deposits to total assets | 88.4700% | 1,900 |
| Equity capital to assets | 8.5388% | 2,684 |
| Core capital (leverage) ratio | 14.5764% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $246,443,600 | 2,750 |
| Average earning assets | $231,300,000 | 2,724 |
| Average equity | $24,917,200 | 2,587 |
| Average total loans | $94,831,400 | 3,221 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1692% | 3,510 |
| Cost of funding earning assets | 0.4938% | 770 |
| Net interest margin | 2.6754% | 3,979 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.2978% | 4,580 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1714% | 1,805 |
| Return on assets (ROA) | 1.1714% | 1,779 |
| Pretax return on assets | 1.3391% | 1,925 |
| Return on Equity (ROE) | 11.1500% | 2,319 |
| Retained earnings to average equity (ytd only) | 5.1472% | 3,048 |
| Net charge-offs to loans | -0.0028% | 3,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.2181% | 4,206 |
| Assets per employee ($millions) | 8.9219% | 922 |
| Cash dividends to net income (ytd only)* | 53.8212% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 1,293 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 39.0100% | 4,104 |
| Net loans and leases to deposits | 42.5854% | 4,162 |
| Net loans and leases to core deposits | 52.2702% | 3,844 |
| Total domestic deposits to total assets | 91.5900% | 1,015 |
| Equity capital to assets | 7.0989% | 3,459 |
| Core capital (leverage) ratio | 13.0502% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $245,739,000 | 2,774 |
| Average earning assets | $230,586,250 | 2,756 |
| Average equity | $25,825,500 | 2,583 |
| Average total loans | $93,633,250 | 3,250 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9814% | 3,602 |
| Cost of funding earning assets | 0.4497% | 694 |
| Net interest margin | 2.5317% | 4,031 |
| Noninterest income to average assets | 0.1269% | 4,364 |
| Noninterest expense to average assets | 1.2841% | 4,599 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0786% | 1,862 |
| Return on assets (ROA) | 1.0786% | 1,840 |
| Pretax return on assets | 1.2202% | 2,004 |
| Return on Equity (ROE) | 9.2418% | 2,615 |
| Retained earnings to average equity (ytd only) | 1.0939% | 3,975 |
| Net charge-offs to loans | 0.0261% | 1,193 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 124.2500% | 721 |
| Efficiency ratio | 51.2745% | 4,179 |
| Assets per employee ($millions) | 9.3605% | 788 |
| Cash dividends to net income (ytd only)* | 88.1639% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 1,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 38.4869% | 4,148 |
| Net loans and leases to deposits | 42.7378% | 4,168 |
| Net loans and leases to core deposits | 52.2348% | 3,806 |
| Total domestic deposits to total assets | 90.0535% | 1,690 |
| Equity capital to assets | 8.6839% | 2,626 |
| Core capital (leverage) ratio | 12.9965% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,381,333 | 2,802 |
| Average earning assets | $229,486,000 | 2,798 |
| Average equity | $28,522,667 | 2,493 |
| Average total loans | $91,870,000 | 3,302 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7108% | 3,929 |
| Cost of funding earning assets | 0.3710% | 1,051 |
| Net interest margin | 2.3398% | 4,171 |
| Noninterest income to average assets | 0.1216% | 4,398 |
| Noninterest expense to average assets | 1.3305% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8942% | 2,291 |
| Return on assets (ROA) | 0.8942% | 2,295 |
| Pretax return on assets | 0.9858% | 2,481 |
| Return on Equity (ROE) | 6.7525% | 3,114 |
| Retained earnings to average equity (ytd only) | -7.8590% | 4,523 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4407% | 3,743 |
| Assets per employee ($millions) | 9.5029% | 775 |
| Cash dividends to net income (ytd only)* | 216.3873% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 1,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 33.0284% | 4,340 |
| Net loans and leases to deposits | 37.5542% | 4,335 |
| Net loans and leases to core deposits | 45.9736% | 4,076 |
| Total domestic deposits to total assets | 87.9487% | 2,545 |
| Equity capital to assets | 10.7924% | 1,447 |
| Core capital (leverage) ratio | 14.3322% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,205,500 | 2,845 |
| Average earning assets | $225,318,000 | 2,834 |
| Average equity | $31,810,500 | 2,398 |
| Average total loans | $88,436,000 | 3,351 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1617% | 3,558 |
| Cost of funding earning assets | 0.4627% | 1,110 |
| Net interest margin | 2.6991% | 3,872 |
| Noninterest income to average assets | 0.1511% | 4,391 |
| Noninterest expense to average assets | 1.4952% | 4,550 |
| Loan and lease loss provision to assets | 0.0551% | 1,947 |
| Net operating income to assets | 0.9902% | 2,710 |
| Return on assets (ROA) | 0.9817% | 2,817 |
| Pretax return on assets | 1.1075% | 2,944 |
| Return on Equity (ROE) | 6.0506% | 3,767 |
| Retained earnings to average equity (ytd only) | 2.7606% | 3,740 |
| Net charge-offs to loans | -0.0021% | 3,373 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0530% | 3,704 |
| Assets per employee ($millions) | 8.2901% | 1,179 |
| Cash dividends to net income (ytd only)* | 54.3753% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 1,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 39.8361% | 4,100 |
| Net loans and leases to deposits | 48.3775% | 3,974 |
| Net loans and leases to core deposits | 52.1567% | 3,881 |
| Total domestic deposits to total assets | 82.3443% | 3,914 |
| Equity capital to assets | 16.0522% | 377 |
| Core capital (leverage) ratio | 15.7490% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,692,200 | 2,929 |
| Average earning assets | $202,959,600 | 2,932 |
| Average equity | $35,318,600 | 2,274 |
| Average total loans | $94,090,800 | 3,274 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 3,431 |
| Cost of funding earning assets | 0.4858% | 1,128 |
| Net interest margin | 2.7980% | 3,784 |
| Noninterest income to average assets | 0.1573% | 4,412 |
| Noninterest expense to average assets | 1.4267% | 4,664 |
| Loan and lease loss provision to assets | 0.0555% | 1,875 |
| Net operating income to assets | 1.1254% | 2,458 |
| Return on assets (ROA) | 1.1140% | 2,554 |
| Pretax return on assets | 1.2700% | 2,703 |
| Return on Equity (ROE) | 6.8474% | 3,708 |
| Retained earnings to average equity (ytd only) | 2.4417% | 4,070 |
| Net charge-offs to loans | -0.0028% | 3,282 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5949% | 4,060 |
| Assets per employee ($millions) | 8.3895% | 1,094 |
| Cash dividends to net income (ytd only)* | 64.3411% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 1,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 42.0686% | 4,087 |
| Net loans and leases to deposits | 51.4058% | 3,930 |
| Net loans and leases to core deposits | 56.3935% | 3,743 |
| Total domestic deposits to total assets | 81.8363% | 3,953 |
| Equity capital to assets | 16.4285% | 374 |
| Core capital (leverage) ratio | 15.6504% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,157,250 | 2,966 |
| Average earning assets | $201,470,250 | 2,975 |
| Average equity | $35,165,750 | 2,312 |
| Average total loans | $94,951,750 | 3,306 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4029% | 3,177 |
| Cost of funding earning assets | 0.5042% | 1,169 |
| Net interest margin | 2.8987% | 3,577 |
| Noninterest income to average assets | 0.1476% | 4,460 |
| Noninterest expense to average assets | 1.4441% | 4,681 |
| Loan and lease loss provision to assets | 0.0557% | 1,914 |
| Net operating income to assets | 1.1817% | 2,254 |
| Return on assets (ROA) | 1.1647% | 2,377 |
| Pretax return on assets | 1.3336% | 2,543 |
| Return on Equity (ROE) | 7.1832% | 3,607 |
| Retained earnings to average equity (ytd only) | 0.5323% | 4,429 |
| Net charge-offs to loans | -0.0042% | 3,378 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6181% | 4,184 |
| Assets per employee ($millions) | 8.4508% | 1,026 |
| Cash dividends to net income (ytd only)* | 92.5896% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 1,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 41.8663% | 4,190 |
| Net loans and leases to deposits | 51.0064% | 4,046 |
| Net loans and leases to core deposits | 56.4464% | 3,861 |
| Total domestic deposits to total assets | 82.0805% | 3,908 |
| Equity capital to assets | 16.1478% | 397 |
| Core capital (leverage) ratio | 15.3201% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,500,667 | 2,969 |
| Average earning assets | $201,124,333 | 2,972 |
| Average equity | $34,942,667 | 2,313 |
| Average total loans | $95,531,000 | 3,315 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0004% | 4,085 |
| Cost of funding earning assets | 0.5184% | 1,277 |
| Net interest margin | 2.4820% | 4,325 |
| Noninterest income to average assets | 0.1331% | 4,539 |
| Noninterest expense to average assets | 1.4040% | 4,740 |
| Loan and lease loss provision to assets | 0.0562% | 1,986 |
| Net operating income to assets | 0.8960% | 3,135 |
| Return on assets (ROA) | 0.8960% | 3,217 |
| Pretax return on assets | 0.9972% | 3,379 |
| Return on Equity (ROE) | 5.5142% | 3,988 |
| Retained earnings to average equity (ytd only) | -7.8906% | 4,776 |
| Net charge-offs to loans | -0.0083% | 3,597 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1320% | 3,412 |
| Assets per employee ($millions) | 8.0691% | 1,170 |
| Cash dividends to net income (ytd only)* | 243.0962% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 1,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 42.8725% | 4,184 |
| Net loans and leases to deposits | 51.7290% | 4,060 |
| Net loans and leases to core deposits | 57.7447% | 3,853 |
| Total domestic deposits to total assets | 82.8790% | 3,714 |
| Equity capital to assets | 15.4571% | 442 |
| Core capital (leverage) ratio | 15.4795% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,390,500 | 2,980 |
| Average earning assets | $199,839,000 | 2,978 |
| Average equity | $34,674,000 | 2,320 |
| Average total loans | $96,591,500 | 3,315 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5605% | 3,908 |
| Cost of funding earning assets | 0.6477% | 2,009 |
| Net interest margin | 2.9129% | 4,090 |
| Noninterest income to average assets | 0.3172% | 3,564 |
| Noninterest expense to average assets | 1.6424% | 4,675 |
| Loan and lease loss provision to assets | 0.0621% | 3,595 |
| Net operating income to assets | 1.1430% | 1,752 |
| Return on assets (ROA) | 1.3024% | 1,342 |
| Pretax return on assets | 1.5047% | 1,316 |
| Return on Equity (ROE) | 7.5736% | 2,972 |
| Retained earnings to average equity (ytd only) | 4.0772% | 2,773 |
| Net charge-offs to loans | 0.0561% | 1,977 |
| Credit loss provision to net charge-offs | 222.2222% | 2,055 |
| Earnings coverage of net charge-offs (x) | 49.5185% | 1,210 |
| Efficiency ratio | 54.2750% | 4,181 |
| Assets per employee ($millions) | 7.4612% | 1,304 |
| Cash dividends to net income (ytd only)* | 46.1661% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 2,048 |
| Loan loss allowance to noncurrent loans | 16,987.5000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,445 |
| Noncurrent loans to loans | 0.0081% | 4,350 |
| Net loans and leases to total assets | 46.4440% | 4,101 |
| Net loans and leases to deposits | 57.0354% | 3,942 |
| Net loans and leases to core deposits | 64.1877% | 3,676 |
| Total domestic deposits to total assets | 81.4302% | 3,779 |
| Equity capital to assets | 17.0750% | 329 |
| Core capital (leverage) ratio | 16.4099% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,259,000 | 3,000 |
| Average earning assets | $179,720,600 | 3,002 |
| Average equity | $33,233,800 | 2,327 |
| Average total loans | $96,247,000 | 3,292 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5849% | 4,052 |
| Cost of funding earning assets | 0.6740% | 2,175 |
| Net interest margin | 2.9110% | 4,164 |
| Noninterest income to average assets | 0.3415% | 3,430 |
| Noninterest expense to average assets | 1.5696% | 4,756 |
| Loan and lease loss provision to assets | 0.0634% | 3,548 |
| Net operating income to assets | 1.2148% | 1,596 |
| Return on assets (ROA) | 1.4231% | 1,139 |
| Pretax return on assets | 1.6576% | 1,051 |
| Return on Equity (ROE) | 8.2595% | 2,706 |
| Retained earnings to average equity (ytd only) | 3.5106% | 3,299 |
| Net charge-offs to loans | 0.0724% | 1,589 |
| Credit loss provision to net charge-offs | 173.0769% | 2,217 |
| Earnings coverage of net charge-offs (x) | 40.3846% | 1,354 |
| Efficiency ratio | 51.4900% | 4,381 |
| Assets per employee ($millions) | 7.7489% | 1,100 |
| Cash dividends to net income (ytd only)* | 57.4963% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 2,023 |
| Loan loss allowance to noncurrent loans | 8,318.7500% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 4,473 |
| Noncurrent loans to loans | 0.0160% | 4,369 |
| Net loans and leases to total assets | 48.8492% | 4,168 |
| Net loans and leases to deposits | 59.7415% | 4,072 |
| Net loans and leases to core deposits | 67.4792% | 3,794 |
| Total domestic deposits to total assets | 81.7676% | 3,481 |
| Equity capital to assets | 17.2501% | 350 |
| Core capital (leverage) ratio | 16.6807% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,345,250 | 3,018 |
| Average earning assets | $176,065,000 | 3,017 |
| Average equity | $32,624,250 | 2,341 |
| Average total loans | $95,712,000 | 3,310 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 4,108 |
| Cost of funding earning assets | 0.7027% | 2,367 |
| Net interest margin | 2.9875% | 4,152 |
| Noninterest income to average assets | 0.1727% | 4,427 |
| Noninterest expense to average assets | 1.6244% | 4,757 |
| Loan and lease loss provision to assets | 0.0648% | 3,483 |
| Net operating income to assets | 1.0762% | 2,051 |
| Return on assets (ROA) | 1.3955% | 1,215 |
| Pretax return on assets | 1.6265% | 1,166 |
| Return on Equity (ROE) | 8.1029% | 2,707 |
| Retained earnings to average equity (ytd only) | 0.8209% | 4,133 |
| Net charge-offs to loans | -0.0085% | 4,157 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1686% | 4,043 |
| Assets per employee ($millions) | 7.5704% | 1,143 |
| Cash dividends to net income (ytd only)* | 89.8685% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 1,686 |
| Loan loss allowance to noncurrent loans | 798.2353% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 4,095 |
| Noncurrent loans to loans | 0.1717% | 3,763 |
| Net loans and leases to total assets | 49.6080% | 4,181 |
| Net loans and leases to deposits | 60.5169% | 4,089 |
| Net loans and leases to core deposits | 67.8046% | 3,872 |
| Total domestic deposits to total assets | 81.9739% | 3,380 |
| Equity capital to assets | 17.0603% | 372 |
| Core capital (leverage) ratio | 16.7434% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,303,333 | 3,036 |
| Average earning assets | $171,916,667 | 3,033 |
| Average equity | $31,914,333 | 2,363 |
| Average total loans | $94,366,667 | 3,326 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7716% | 4,271 |
| Cost of funding earning assets | 0.7432% | 2,703 |
| Net interest margin | 3.0284% | 4,234 |
| Noninterest income to average assets | 0.1626% | 4,557 |
| Noninterest expense to average assets | 1.7110% | 4,766 |
| Loan and lease loss provision to assets | 0.0668% | 2,925 |
| Net operating income to assets | 1.0315% | 2,071 |
| Return on assets (ROA) | 1.0315% | 2,170 |
| Pretax return on assets | 1.1808% | 2,263 |
| Return on Equity (ROE) | 5.9585% | 3,334 |
| Retained earnings to average equity (ytd only) | -8.9957% | 4,725 |
| Net charge-offs to loans | -0.0043% | 3,819 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8313% | 4,022 |
| Assets per employee ($millions) | 7.2755% | 972 |
| Cash dividends to net income (ytd only)* | 250.9719% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 1,629 |
| Loan loss allowance to noncurrent loans | 2,942.2222% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 4,072 |
| Noncurrent loans to loans | 0.0483% | 4,356 |
| Net loans and leases to total assets | 50.5053% | 4,216 |
| Net loans and leases to deposits | 62.5612% | 4,071 |
| Net loans and leases to core deposits | 70.0576% | 3,874 |
| Total domestic deposits to total assets | 80.7293% | 3,719 |
| Equity capital to assets | 16.4755% | 511 |
| Core capital (leverage) ratio | 17.5916% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,539,500 | 3,049 |
| Average earning assets | $165,765,500 | 3,055 |
| Average equity | $31,081,500 | 2,398 |
| Average total loans | $92,049,500 | 3,361 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9726% | 4,317 |
| Cost of funding earning assets | 0.7220% | 3,059 |
| Net interest margin | 3.2506% | 4,081 |
| Noninterest income to average assets | 0.1742% | 4,616 |
| Noninterest expense to average assets | 1.7873% | 4,785 |
| Loan and lease loss provision to assets | 0.0692% | 2,624 |
| Net operating income to assets | 1.1117% | 2,393 |
| Return on assets (ROA) | 1.3675% | 1,537 |
| Pretax return on assets | 1.6212% | 1,426 |
| Return on Equity (ROE) | 7.5982% | 3,324 |
| Retained earnings to average equity (ytd only) | 4.6179% | 2,635 |
| Net charge-offs to loans | 0.0272% | 2,852 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 100.1250% | 676 |
| Efficiency ratio | 56.3250% | 4,170 |
| Assets per employee ($millions) | 6.5626% | 1,249 |
| Cash dividends to net income (ytd only)* | 39.2240% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 1,445 |
| Loan loss allowance to noncurrent loans | 543.2773% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 3,966 |
| Noncurrent loans to loans | 0.2618% | 3,505 |
| Net loans and leases to total assets | 50.5776% | 4,302 |
| Net loans and leases to deposits | 62.6632% | 4,161 |
| Net loans and leases to core deposits | 70.3617% | 3,944 |
| Total domestic deposits to total assets | 80.7135% | 3,830 |
| Equity capital to assets | 18.1702% | 354 |
| Core capital (leverage) ratio | 18.1996% | 329 |
| Tier 1 risk-based capital ratio | 28.7575% | 526 |
| Total risk-based capital ratio | 29.9182% | 517 |
| Memoranda: | ||
| Average total assets | $173,387,800 | 3,079 |
| Average earning assets | $159,972,000 | 3,082 |
| Average equity | $31,204,800 | 2,332 |
| Average total loans | $88,299,800 | 3,442 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 4,441 |
| Cost of funding earning assets | 0.7075% | 3,177 |
| Net interest margin | 3.2513% | 4,184 |
| Noninterest income to average assets | 0.1778% | 4,652 |
| Noninterest expense to average assets | 1.7096% | 4,913 |
| Loan and lease loss provision to assets | 0.0696% | 2,485 |
| Net operating income to assets | 1.1873% | 2,241 |
| Return on assets (ROA) | 1.5302% | 1,166 |
| Pretax return on assets | 1.8132% | 1,053 |
| Return on Equity (ROE) | 8.5234% | 3,099 |
| Retained earnings to average equity (ytd only) | 4.5180% | 3,133 |
| Net charge-offs to loans | 0.0289% | 2,515 |
| Credit loss provision to net charge-offs | 473.6842% | 658 |
| Earnings coverage of net charge-offs (x) | 100.3790% | 751 |
| Efficiency ratio | 53.6911% | 4,425 |
| Assets per employee ($millions) | 6.5250% | 1,262 |
| Cash dividends to net income (ytd only)* | 46.9935% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 1,527 |
| Loan loss allowance to noncurrent loans | 912.2302% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 4,286 |
| Noncurrent loans to loans | 0.1548% | 3,986 |
| Net loans and leases to total assets | 50.2546% | 4,417 |
| Net loans and leases to deposits | 62.4342% | 4,263 |
| Net loans and leases to core deposits | 69.9287% | 4,062 |
| Total domestic deposits to total assets | 80.4921% | 3,868 |
| Equity capital to assets | 18.2733% | 372 |
| Core capital (leverage) ratio | 18.2478% | 334 |
| Tier 1 risk-based capital ratio | 28.1768% | 564 |
| Total risk-based capital ratio | 29.3059% | 555 |
| Memoranda: | ||
| Average total assets | $172,437,000 | 3,117 |
| Average earning assets | $159,441,500 | 3,117 |
| Average equity | $30,957,000 | 2,359 |
| Average total loans | $87,646,750 | 3,497 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 4,526 |
| Cost of funding earning assets | 0.6852% | 3,246 |
| Net interest margin | 3.2291% | 4,293 |
| Noninterest income to average assets | 0.1741% | 4,707 |
| Noninterest expense to average assets | 1.7057% | 4,973 |
| Loan and lease loss provision to assets | 0.0701% | 2,418 |
| Net operating income to assets | 1.2164% | 2,085 |
| Return on assets (ROA) | 1.1835% | 2,274 |
| Pretax return on assets | 1.3505% | 2,378 |
| Return on Equity (ROE) | 6.6328% | 3,824 |
| Retained earnings to average equity (ytd only) | 0.5435% | 4,557 |
| Net charge-offs to loans | 0.0276% | 2,302 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 677 |
| Efficiency ratio | 53.9143% | 4,480 |
| Assets per employee ($millions) | 6.4559% | 1,262 |
| Cash dividends to net income (ytd only)* | 91.8065% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 1,599 |
| Loan loss allowance to noncurrent loans | 936.0902% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 4,322 |
| Noncurrent loans to loans | 0.1499% | 4,012 |
| Net loans and leases to total assets | 50.1971% | 4,458 |
| Net loans and leases to deposits | 62.1298% | 4,324 |
| Net loans and leases to core deposits | 69.6086% | 4,130 |
| Total domestic deposits to total assets | 80.7939% | 3,871 |
| Equity capital to assets | 17.9784% | 382 |
| Core capital (leverage) ratio | 17.7884% | 356 |
| Tier 1 risk-based capital ratio | 27.9351% | 568 |
| Total risk-based capital ratio | 29.0687% | 560 |
| Memoranda: | ||
| Average total assets | $171,191,000 | 3,149 |
| Average earning assets | $158,495,000 | 3,145 |
| Average equity | $30,545,000 | 2,376 |
| Average total loans | $86,927,670 | 3,528 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7637% | 4,759 |
| Cost of funding earning assets | 0.6548% | 3,299 |
| Net interest margin | 3.1089% | 4,577 |
| Noninterest income to average assets | 0.2264% | 4,388 |
| Noninterest expense to average assets | 1.7214% | 5,000 |
| Loan and lease loss provision to assets | 0.0707% | 2,245 |
| Net operating income to assets | 1.1863% | 2,107 |
| Return on assets (ROA) | 0.7640% | 3,780 |
| Pretax return on assets | 0.8536% | 3,909 |
| Return on Equity (ROE) | 4.2987% | 4,514 |
| Retained earnings to average equity (ytd only) | -8.0402% | 5,032 |
| Net charge-offs to loans | 0.0558% | 1,491 |
| Credit loss provision to net charge-offs | 250.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 49.2500% | 1,040 |
| Efficiency ratio | 55.2612% | 4,411 |
| Assets per employee ($millions) | 6.3480% | 1,319 |
| Cash dividends to net income (ytd only)* | 287.0370% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 1,608 |
| Loan loss allowance to noncurrent loans | 4,189.6552% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 4,483 |
| Noncurrent loans to loans | 0.0338% | 4,620 |
| Net loans and leases to total assets | 49.3016% | 4,508 |
| Net loans and leases to deposits | 60.7178% | 4,373 |
| Net loans and leases to core deposits | 67.7841% | 4,192 |
| Total domestic deposits to total assets | 81.1979% | 3,929 |
| Equity capital to assets | 17.6247% | 378 |
| Core capital (leverage) ratio | 17.7505% | 350 |
| Tier 1 risk-based capital ratio | 28.0617% | 555 |
| Total risk-based capital ratio | 29.1986% | 547 |
| Memoranda: | ||
| Average total assets | $169,632,000 | 3,197 |
| Average earning assets | $157,610,000 | 3,188 |
| Average equity | $30,148,500 | 2,401 |
| Average total loans | $86,020,000 | 3,579 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 4,712 |
| Cost of funding earning assets | 0.4946% | 3,391 |
| Net interest margin | 3.1726% | 4,535 |
| Noninterest income to average assets | 0.1985% | 4,715 |
| Noninterest expense to average assets | 1.6238% | 5,156 |
| Loan and lease loss provision to assets | 0.0707% | 2,723 |
| Net operating income to assets | 1.2383% | 2,021 |
| Return on assets (ROA) | 1.2398% | 2,006 |
| Pretax return on assets | 1.4447% | 1,971 |
| Return on Equity (ROE) | 7.2213% | 3,757 |
| Retained earnings to average equity (ytd only) | 5.6261% | 2,397 |
| Net charge-offs to loans | 0.0096% | 3,353 |
| Credit loss provision to net charge-offs | 1,500.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 321.2500% | 316 |
| Efficiency ratio | 51.7552% | 4,814 |
| Assets per employee ($millions) | 6.4565% | 1,240 |
| Cash dividends to net income (ytd only)* | 22.0903% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 1,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 4,771 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 50.7101% | 4,475 |
| Net loans and leases to deposits | 62.6263% | 4,336 |
| Net loans and leases to core deposits | 70.0891% | 4,110 |
| Total domestic deposits to total assets | 80.9725% | 3,893 |
| Equity capital to assets | 17.9242% | 347 |
| Core capital (leverage) ratio | 18.1193% | 321 |
| Tier 1 risk-based capital ratio | 28.6402% | 528 |
| Total risk-based capital ratio | 29.7617% | 533 |
| Memoranda: | ||
| Average total assets | $169,789,000 | 3,172 |
| Average earning assets | $157,285,200 | 3,165 |
| Average equity | $29,150,000 | 2,388 |
| Average total loans | $83,658,200 | 3,598 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6092% | 4,785 |
| Cost of funding earning assets | 0.4593% | 3,461 |
| Net interest margin | 3.1499% | 4,615 |
| Noninterest income to average assets | 0.2036% | 4,746 |
| Noninterest expense to average assets | 1.5058% | 5,275 |
| Loan and lease loss provision to assets | 0.0705% | 2,555 |
| Net operating income to assets | 1.3190% | 1,780 |
| Return on assets (ROA) | 1.3210% | 1,782 |
| Pretax return on assets | 1.5458% | 1,744 |
| Return on Equity (ROE) | 7.7789% | 3,633 |
| Retained earnings to average equity (ytd only) | 5.6347% | 2,862 |
| Net charge-offs to loans | 0.0145% | 2,907 |
| Credit loss provision to net charge-offs | 1,000.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 228.9942% | 401 |
| Efficiency ratio | 48.2681% | 5,038 |
| Assets per employee ($millions) | 6.5624% | 1,155 |
| Cash dividends to net income (ytd only)* | 27.5635% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 1,969 |
| Loan loss allowance to noncurrent loans | 870.1493% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 4,437 |
| Noncurrent loans to loans | 0.1527% | 4,198 |
| Net loans and leases to total assets | 50.7505% | 4,543 |
| Net loans and leases to deposits | 63.2548% | 4,370 |
| Net loans and leases to core deposits | 70.5129% | 4,157 |
| Total domestic deposits to total assets | 80.2319% | 4,061 |
| Equity capital to assets | 17.1940% | 408 |
| Core capital (leverage) ratio | 17.7510% | 354 |
| Tier 1 risk-based capital ratio | 27.7953% | 583 |
| Total risk-based capital ratio | 28.8693% | 582 |
| Memoranda: | ||
| Average total assets | $170,269,250 | 3,194 |
| Average earning assets | $157,628,250 | 3,190 |
| Average equity | $28,915,250 | 2,410 |
| Average total loans | $82,991,750 | 3,638 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 4,862 |
| Cost of funding earning assets | 0.4265% | 3,526 |
| Net interest margin | 3.1130% | 4,706 |
| Noninterest income to average assets | 0.2128% | 4,743 |
| Noninterest expense to average assets | 1.4893% | 5,347 |
| Loan and lease loss provision to assets | 0.0705% | 2,474 |
| Net operating income to assets | 1.3098% | 1,735 |
| Return on assets (ROA) | 1.2836% | 1,849 |
| Pretax return on assets | 1.4963% | 1,828 |
| Return on Equity (ROE) | 7.5900% | 3,685 |
| Retained earnings to average equity (ytd only) | 4.3580% | 3,419 |
| Net charge-offs to loans | 0.0221% | 2,436 |
| Credit loss provision to net charge-offs | 666.6667% | 578 |
| Earnings coverage of net charge-offs (x) | 151.0000% | 518 |
| Efficiency ratio | 48.2483% | 5,109 |
| Assets per employee ($millions) | 6.5597% | 1,152 |
| Cash dividends to net income (ytd only)* | 42.5824% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 1,903 |
| Loan loss allowance to noncurrent loans | 783.4483% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 4,434 |
| Noncurrent loans to loans | 0.1734% | 4,127 |
| Net loans and leases to total assets | 48.3633% | 4,702 |
| Net loans and leases to deposits | 59.0461% | 4,587 |
| Net loans and leases to core deposits | 65.9068% | 4,374 |
| Total domestic deposits to total assets | 81.9077% | 3,746 |
| Equity capital to assets | 17.0100% | 403 |
| Core capital (leverage) ratio | 17.2476% | 368 |
| Tier 1 risk-based capital ratio | 28.4056% | 540 |
| Total risk-based capital ratio | 29.4964% | 541 |
| Memoranda: | ||
| Average total assets | $170,151,330 | 3,212 |
| Average earning assets | $157,085,670 | 3,208 |
| Average equity | $28,774,670 | 2,428 |
| Average total loans | $81,403,000 | 3,690 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 4,958 |
| Cost of funding earning assets | 0.4113% | 3,506 |
| Net interest margin | 3.0351% | 4,824 |
| Noninterest income to average assets | 0.1718% | 4,991 |
| Noninterest expense to average assets | 1.5063% | 5,389 |
| Loan and lease loss provision to assets | 0.0706% | 2,349 |
| Net operating income to assets | 1.1980% | 2,012 |
| Return on assets (ROA) | 1.1980% | 2,026 |
| Pretax return on assets | 1.3910% | 2,040 |
| Return on Equity (ROE) | 7.1048% | 3,747 |
| Retained earnings to average equity (ytd only) | 0.6142% | 4,710 |
| Net charge-offs to loans | -0.0100% | 4,247 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7534% | 5,043 |
| Assets per employee ($millions) | 6.3988% | 1,255 |
| Cash dividends to net income (ytd only)* | 91.3556% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 1,794 |
| Loan loss allowance to noncurrent loans | 11,170.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 4,830 |
| Noncurrent loans to loans | 0.0126% | 4,943 |
| Net loans and leases to total assets | 45.1571% | 4,838 |
| Net loans and leases to deposits | 54.8057% | 4,755 |
| Net loans and leases to core deposits | 60.6292% | 4,623 |
| Total domestic deposits to total assets | 82.3949% | 3,842 |
| Equity capital to assets | 16.4550% | 441 |
| Core capital (leverage) ratio | 17.1107% | 373 |
| Tier 1 risk-based capital ratio | 28.6529% | 529 |
| Total risk-based capital ratio | 29.7566% | 532 |
| Memoranda: | ||
| Average total assets | $169,950,500 | 3,250 |
| Average earning assets | $156,568,000 | 3,249 |
| Average equity | $28,656,500 | 2,456 |
| Average total loans | $80,294,000 | 3,741 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4166% | 4,917 |
| Cost of funding earning assets | 0.3649% | 3,566 |
| Net interest margin | 3.0517% | 4,784 |
| Noninterest income to average assets | 0.1981% | 4,955 |
| Noninterest expense to average assets | 1.7364% | 5,296 |
| Loan and lease loss provision to assets | 0.0708% | 2,789 |
| Net operating income to assets | 1.0124% | 2,188 |
| Return on assets (ROA) | 1.0153% | 2,207 |
| Pretax return on assets | 1.2199% | 2,686 |
| Return on Equity (ROE) | 6.1166% | 3,710 |
| Retained earnings to average equity (ytd only) | 4.4649% | 2,473 |
| Net charge-offs to loans | 0.0085% | 3,783 |
| Credit loss provision to net charge-offs | 1,714.2857% | 220 |
| Earnings coverage of net charge-offs (x) | 311.8571% | 274 |
| Efficiency ratio | 57.4298% | 4,595 |
| Assets per employee ($millions) | 6.1901% | 1,389 |
| Cash dividends to net income (ytd only)* | 27.0035% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 2,063 |
| Loan loss allowance to noncurrent loans | 7,233.3333% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 4,834 |
| Noncurrent loans to loans | 0.0184% | 4,939 |
| Net loans and leases to total assets | 48.0869% | 4,761 |
| Net loans and leases to deposits | 59.0293% | 4,643 |
| Net loans and leases to core deposits | 65.2886% | 4,458 |
| Total domestic deposits to total assets | 81.4627% | 4,011 |
| Equity capital to assets | 17.2820% | 374 |
| Core capital (leverage) ratio | 17.0599% | 369 |
| Tier 1 risk-based capital ratio | 28.5678% | 513 |
| Total risk-based capital ratio | 29.6383% | 518 |
| Memoranda: | ||
| Average total assets | $169,605,000 | 3,250 |
| Average earning assets | $157,029,200 | 3,233 |
| Average equity | $28,153,000 | 2,479 |
| Average total loans | $82,011,000 | 3,701 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3756% | 4,998 |
| Cost of funding earning assets | 0.3531% | 3,633 |
| Net interest margin | 3.0225% | 4,869 |
| Noninterest income to average assets | 0.2146% | 4,935 |
| Noninterest expense to average assets | 1.5963% | 5,455 |
| Loan and lease loss provision to assets | 0.0705% | 2,665 |
| Net operating income to assets | 1.0569% | 2,301 |
| Return on assets (ROA) | 1.0605% | 2,316 |
| Pretax return on assets | 1.3551% | 2,259 |
| Return on Equity (ROE) | 6.4543% | 3,928 |
| Retained earnings to average equity (ytd only) | 4.2425% | 3,378 |
| Net charge-offs to loans | 0.0016% | 3,716 |
| Credit loss provision to net charge-offs | 9,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 1,818.5038% | 44 |
| Efficiency ratio | 52.9076% | 5,024 |
| Assets per employee ($millions) | 6.0373% | 1,466 |
| Cash dividends to net income (ytd only)* | 34.2687% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,415 |
| Loan loss allowance to noncurrent loans | 154.6647% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 3,209 |
| Noncurrent loans to loans | 0.8331% | 2,281 |
| Net loans and leases to total assets | 48.0819% | 4,821 |
| Net loans and leases to deposits | 58.9186% | 4,687 |
| Net loans and leases to core deposits | 65.1627% | 4,537 |
| Total domestic deposits to total assets | 81.6073% | 3,892 |
| Equity capital to assets | 16.9931% | 429 |
| Core capital (leverage) ratio | 16.8930% | 395 |
| Tier 1 risk-based capital ratio | 28.0022% | 569 |
| Total risk-based capital ratio | 29.0415% | 565 |
| Memoranda: | ||
| Average total assets | $170,223,000 | 3,271 |
| Average earning assets | $157,833,000 | 3,258 |
| Average equity | $27,970,250 | 2,507 |
| Average total loans | $82,150,250 | 3,725 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3243% | 5,070 |
| Cost of funding earning assets | 0.3463% | 3,618 |
| Net interest margin | 2.9780% | 4,957 |
| Noninterest income to average assets | 0.2286% | 4,874 |
| Noninterest expense to average assets | 1.5380% | 5,539 |
| Loan and lease loss provision to assets | 0.0703% | 2,567 |
| Net operating income to assets | 1.0753% | 2,104 |
| Return on assets (ROA) | 1.0808% | 2,126 |
| Pretax return on assets | 1.3891% | 2,063 |
| Return on Equity (ROE) | 6.6526% | 3,747 |
| Retained earnings to average equity (ytd only) | 3.2975% | 3,756 |
| Net charge-offs to loans | 0.0024% | 3,419 |
| Credit loss provision to net charge-offs | 6,000.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 1,239.0000% | 53 |
| Efficiency ratio | 51.4308% | 5,210 |
| Assets per employee ($millions) | 6.0625% | 1,410 |
| Cash dividends to net income (ytd only)* | 50.4338% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 2,660 |
| Loan loss allowance to noncurrent loans | 1,158.4270% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 4,606 |
| Noncurrent loans to loans | 0.1083% | 4,686 |
| Net loans and leases to total assets | 47.8065% | 4,834 |
| Net loans and leases to deposits | 58.3392% | 4,734 |
| Net loans and leases to core deposits | 63.9715% | 4,605 |
| Total domestic deposits to total assets | 81.9457% | 3,903 |
| Equity capital to assets | 16.6705% | 440 |
| Core capital (leverage) ratio | 16.5716% | 412 |
| Tier 1 risk-based capital ratio | 27.8152% | 561 |
| Total risk-based capital ratio | 28.8338% | 563 |
| Memoranda: | ||
| Average total assets | $170,615,670 | 3,270 |
| Average earning assets | $158,227,330 | 3,271 |
| Average equity | $27,718,330 | 2,523 |
| Average total loans | $82,086,670 | 3,742 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2629% | 5,159 |
| Cost of funding earning assets | 0.3399% | 3,633 |
| Net interest margin | 2.9231% | 5,042 |
| Noninterest income to average assets | 0.2058% | 5,041 |
| Noninterest expense to average assets | 1.5481% | 5,603 |
| Loan and lease loss provision to assets | 0.0702% | 2,407 |
| Net operating income to assets | 0.9850% | 2,368 |
| Return on assets (ROA) | 0.9939% | 2,385 |
| Pretax return on assets | 1.3142% | 2,189 |
| Return on Equity (ROE) | 6.1979% | 3,813 |
| Retained earnings to average equity (ytd only) | -0.5833% | 5,011 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0024% | 5,204 |
| Assets per employee ($millions) | 6.3542% | 1,258 |
| Cash dividends to net income (ytd only)* | 109.4118% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,809 |
| Loan loss allowance to noncurrent loans | 5,005.0000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 4,860 |
| Noncurrent loans to loans | 0.0250% | 5,122 |
| Net loans and leases to total assets | 46.0006% | 4,940 |
| Net loans and leases to deposits | 55.7006% | 4,836 |
| Net loans and leases to core deposits | 60.7268% | 4,738 |
| Total domestic deposits to total assets | 82.5854% | 3,976 |
| Equity capital to assets | 16.0227% | 493 |
| Core capital (leverage) ratio | 16.3126% | 426 |
| Tier 1 risk-based capital ratio | 27.2684% | 610 |
| Total risk-based capital ratio | 28.2554% | 616 |
| Memoranda: | ||
| Average total assets | $171,049,000 | 3,301 |
| Average earning assets | $158,875,000 | 3,284 |
| Average equity | $27,428,500 | 2,551 |
| Average total loans | $82,039,000 | 3,767 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4191% | 4,945 |
| Cost of funding earning assets | 0.3657% | 3,362 |
| Net interest margin | 3.0534% | 4,841 |
| Noninterest income to average assets | 0.2334% | 5,016 |
| Noninterest expense to average assets | 1.7057% | 5,562 |
| Loan and lease loss provision to assets | 0.0848% | 2,659 |
| Net operating income to assets | 0.9887% | 2,399 |
| Return on assets (ROA) | 1.0266% | 2,337 |
| Pretax return on assets | 1.3196% | 2,210 |
| Return on Equity (ROE) | 6.4464% | 3,764 |
| Retained earnings to average equity (ytd only) | 4.7384% | 2,523 |
| Net charge-offs to loans | 0.0460% | 3,118 |
| Credit loss provision to net charge-offs | 371.7949% | 844 |
| Earnings coverage of net charge-offs (x) | 59.4359% | 898 |
| Efficiency ratio | 55.7126% | 5,089 |
| Assets per employee ($millions) | 6.0905% | 1,412 |
| Cash dividends to net income (ytd only)* | 26.4957% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 3,402 |
| Loan loss allowance to noncurrent loans | 4,628.5714% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 4,883 |
| Noncurrent loans to loans | 0.0250% | 5,165 |
| Net loans and leases to total assets | 48.7788% | 4,846 |
| Net loans and leases to deposits | 59.1012% | 4,729 |
| Net loans and leases to core deposits | 64.2092% | 4,622 |
| Total domestic deposits to total assets | 82.5344% | 3,925 |
| Equity capital to assets | 16.0483% | 495 |
| Core capital (leverage) ratio | 16.2879% | 429 |
| Tier 1 risk-based capital ratio | 26.8055% | 633 |
| Total risk-based capital ratio | 27.7462% | 639 |
| Memoranda: | ||
| Average total assets | $170,955,600 | 3,273 |
| Average earning assets | $158,346,000 | 3,266 |
| Average equity | $27,224,600 | 2,555 |
| Average total loans | $84,788,800 | 3,692 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4139% | 4,997 |
| Cost of funding earning assets | 0.3674% | 3,360 |
| Net interest margin | 3.0465% | 4,907 |
| Noninterest income to average assets | 0.2292% | 5,100 |
| Noninterest expense to average assets | 1.6672% | 5,633 |
| Loan and lease loss provision to assets | 0.0896% | 2,433 |
| Net operating income to assets | 1.0374% | 2,256 |
| Return on assets (ROA) | 1.0624% | 2,260 |
| Pretax return on assets | 1.3282% | 2,318 |
| Return on Equity (ROE) | 6.6840% | 3,735 |
| Retained earnings to average equity (ytd only) | 4.4037% | 3,200 |
| Net charge-offs to loans | 0.0612% | 2,480 |
| Credit loss provision to net charge-offs | 294.8718% | 1,052 |
| Earnings coverage of net charge-offs (x) | 45.6142% | 1,144 |
| Efficiency ratio | 54.5942% | 5,191 |
| Assets per employee ($millions) | 6.3823% | 1,187 |
| Cash dividends to net income (ytd only)* | 34.1156% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,770 |
| Loan loss allowance to noncurrent loans | 4,091.3043% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 4,995 |
| Noncurrent loans to loans | 0.0272% | 5,274 |
| Net loans and leases to total assets | 48.5515% | 4,918 |
| Net loans and leases to deposits | 60.7399% | 4,703 |
| Net loans and leases to core deposits | 65.8458% | 4,618 |
| Total domestic deposits to total assets | 79.9335% | 4,524 |
| Equity capital to assets | 16.1755% | 525 |
| Core capital (leverage) ratio | 16.1986% | 444 |
| Tier 1 risk-based capital ratio | 26.7490% | 658 |
| Total risk-based capital ratio | 27.6708% | 666 |
| Memoranda: | ||
| Average total assets | $171,060,750 | 3,285 |
| Average earning assets | $158,604,750 | 3,274 |
| Average equity | $27,188,750 | 2,578 |
| Average total loans | $84,946,750 | 3,706 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4154% | 5,044 |
| Cost of funding earning assets | 0.3741% | 3,312 |
| Net interest margin | 3.0412% | 4,992 |
| Noninterest income to average assets | 0.2297% | 5,111 |
| Noninterest expense to average assets | 1.7382% | 5,656 |
| Loan and lease loss provision to assets | 0.0996% | 2,173 |
| Net operating income to assets | 0.9384% | 2,688 |
| Return on assets (ROA) | 0.9494% | 2,769 |
| Pretax return on assets | 1.2166% | 2,714 |
| Return on Equity (ROE) | 6.0088% | 4,047 |
| Retained earnings to average equity (ytd only) | 2.5593% | 4,260 |
| Net charge-offs to loans | 0.0846% | 2,000 |
| Credit loss provision to net charge-offs | 236.1111% | 1,155 |
| Earnings coverage of net charge-offs (x) | 30.8611% | 1,373 |
| Efficiency ratio | 57.1704% | 5,004 |
| Assets per employee ($millions) | 6.2757% | 1,208 |
| Cash dividends to net income (ytd only)* | 57.4074% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 3,991 |
| Loan loss allowance to noncurrent loans | 160.0701% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 3,559 |
| Noncurrent loans to loans | 0.6814% | 3,028 |
| Net loans and leases to total assets | 48.9179% | 4,918 |
| Net loans and leases to deposits | 59.5237% | 4,824 |
| Net loans and leases to core deposits | 64.9689% | 4,682 |
| Total domestic deposits to total assets | 82.1822% | 3,944 |
| Equity capital to assets | 16.1789% | 516 |
| Core capital (leverage) ratio | 15.6221% | 508 |
| Tier 1 risk-based capital ratio | 26.6547% | 673 |
| Total risk-based capital ratio | 27.5654% | 692 |
| Memoranda: | ||
| Average total assets | $170,640,330 | 3,303 |
| Average earning assets | $157,699,330 | 3,303 |
| Average equity | $26,960,330 | 2,596 |
| Average total loans | $85,060,330 | 3,718 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 5,108 |
| Cost of funding earning assets | 0.3776% | 3,325 |
| Net interest margin | 3.0332% | 5,037 |
| Noninterest income to average assets | 0.2219% | 5,150 |
| Noninterest expense to average assets | 1.7379% | 5,717 |
| Loan and lease loss provision to assets | 0.1285% | 1,656 |
| Net operating income to assets | 0.8666% | 2,907 |
| Return on assets (ROA) | 0.8666% | 3,027 |
| Pretax return on assets | 1.1329% | 2,961 |
| Return on Equity (ROE) | 5.5511% | 4,197 |
| Retained earnings to average equity (ytd only) | -1.4065% | 5,328 |
| Net charge-offs to loans | 0.1680% | 1,133 |
| Credit loss provision to net charge-offs | 152.7778% | 1,259 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,679 |
| Efficiency ratio | 57.9439% | 5,006 |
| Assets per employee ($millions) | 6.1192% | 1,323 |
| Cash dividends to net income (ytd only)* | 125.3369% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 4,320 |
| Loan loss allowance to noncurrent loans | 183.0228% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 4,434 |
| Noncurrent loans to loans | 0.5756% | 3,466 |
| Net loans and leases to total assets | 48.4560% | 4,930 |
| Net loans and leases to deposits | 58.5320% | 4,817 |
| Net loans and leases to core deposits | 63.5286% | 4,724 |
| Total domestic deposits to total assets | 82.7854% | 3,974 |
| Equity capital to assets | 15.6160% | 580 |
| Core capital (leverage) ratio | 15.4348% | 541 |
| Tier 1 risk-based capital ratio | 26.3436% | 714 |
| Total risk-based capital ratio | 27.2287% | 720 |
| Memoranda: | ||
| Average total assets | $171,239,000 | 3,313 |
| Average earning assets | $156,796,500 | 3,331 |
| Average equity | $26,733,500 | 2,613 |
| Average total loans | $85,689,500 | 3,705 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4325% | 5,093 |
| Cost of funding earning assets | 0.3729% | 3,451 |
| Net interest margin | 3.0596% | 5,005 |
| Noninterest income to average assets | 0.2650% | 4,975 |
| Noninterest expense to average assets | 1.8317% | 5,699 |
| Loan and lease loss provision to assets | 0.0796% | 2,689 |
| Net operating income to assets | 0.9327% | 2,694 |
| Return on assets (ROA) | 0.9385% | 2,747 |
| Pretax return on assets | 1.2175% | 2,601 |
| Return on Equity (ROE) | 5.7569% | 4,149 |
| Retained earnings to average equity (ytd only) | 4.4736% | 2,808 |
| Net charge-offs to loans | 0.1589% | 1,790 |
| Credit loss provision to net charge-offs | 101.4815% | 2,468 |
| Earnings coverage of net charge-offs (x) | 16.4370% | 2,130 |
| Efficiency ratio | 58.6855% | 5,068 |
| Assets per employee ($millions) | 5.5207% | 1,782 |
| Cash dividends to net income (ytd only)* | 22.2910% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 4,678 |
| Loan loss allowance to noncurrent loans | 199.7691% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 4,578 |
| Noncurrent loans to loans | 0.4950% | 3,711 |
| Net loans and leases to total assets | 50.6056% | 4,813 |
| Net loans and leases to deposits | 61.0954% | 4,697 |
| Net loans and leases to core deposits | 66.2062% | 4,574 |
| Total domestic deposits to total assets | 82.8305% | 3,892 |
| Equity capital to assets | 15.6076% | 580 |
| Core capital (leverage) ratio | 15.4992% | 534 |
| Tier 1 risk-based capital ratio | 25.7295% | 758 |
| Total risk-based capital ratio | 26.5724% | 775 |
| Memoranda: | ||
| Average total assets | $172,079,600 | 3,275 |
| Average earning assets | $160,639,600 | 3,249 |
| Average equity | $28,053,200 | 2,454 |
| Average total loans | $84,956,400 | 3,703 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 3,269 |
| Cost of funding earning assets | 0.3891% | 3,337 |
| Net interest margin | 3.6283% | 3,041 |
| Noninterest income to average assets | 0.3830% | 4,198 |
| Noninterest expense to average assets | 1.9786% | 5,522 |
| Loan and lease loss provision to assets | 0.0609% | 2,964 |
| Net operating income to assets | 1.2593% | 1,453 |
| Return on assets (ROA) | 1.2722% | 1,473 |
| Pretax return on assets | 1.7310% | 1,029 |
| Return on Equity (ROE) | 6.5090% | 3,900 |
| Retained earnings to average equity (ytd only) | 4.0162% | 3,607 |
| Net charge-offs to loans | 0.0111% | 3,787 |
| Credit loss provision to net charge-offs | 900.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 262.0630% | 269 |
| Efficiency ratio | 52.7227% | 5,599 |
| Assets per employee ($millions) | 4.8179% | 2,535 |
| Cash dividends to net income (ytd only)* | 38.2981% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 4,794 |
| Loan loss allowance to noncurrent loans | 81.5650% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 2,934 |
| Noncurrent loans to loans | 1.2152% | 2,103 |
| Net loans and leases to total assets | 63.7539% | 3,341 |
| Net loans and leases to deposits | 83.8582% | 2,424 |
| Net loans and leases to core deposits | 86.9514% | 2,755 |
| Total domestic deposits to total assets | 76.0259% | 5,478 |
| Equity capital to assets | 20.3771% | 216 |
| Core capital (leverage) ratio | 20.0504% | 206 |
| Tier 1 risk-based capital ratio | 30.2968% | 504 |
| Total risk-based capital ratio | 31.2533% | 515 |
| Memoranda: | ||
| Average total assets | $98,517,250 | 4,539 |
| Average earning assets | $91,501,000 | 4,526 |
| Average equity | $19,254,750 | 3,277 |
| Average total loans | $60,143,250 | 4,422 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 3,485 |
| Cost of funding earning assets | 0.3876% | 3,398 |
| Net interest margin | 3.5628% | 3,238 |
| Noninterest income to average assets | 0.3849% | 4,195 |
| Noninterest expense to average assets | 1.9166% | 5,682 |
| Loan and lease loss provision to assets | 0.0605% | 2,895 |
| Net operating income to assets | 1.2584% | 1,432 |
| Return on assets (ROA) | 1.2777% | 1,449 |
| Pretax return on assets | 1.7312% | 1,020 |
| Return on Equity (ROE) | 6.6290% | 3,819 |
| Retained earnings to average equity (ytd only) | 2.8649% | 4,211 |
| Net charge-offs to loans | 0.0067% | 3,661 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 438.0000% | 150 |
| Efficiency ratio | 52.0525% | 5,711 |
| Assets per employee ($millions) | 5.1327% | 2,116 |
| Cash dividends to net income (ytd only)* | 56.7823% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 4,949 |
| Loan loss allowance to noncurrent loans | 376.8750% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 5,217 |
| Noncurrent loans to loans | 0.2609% | 4,740 |
| Net loans and leases to total assets | 62.2752% | 3,515 |
| Net loans and leases to deposits | 82.4301% | 2,503 |
| Net loans and leases to core deposits | 85.4730% | 2,825 |
| Total domestic deposits to total assets | 75.5491% | 5,652 |
| Equity capital to assets | 19.7843% | 234 |
| Core capital (leverage) ratio | 19.7487% | 214 |
| Tier 1 risk-based capital ratio | 29.4557% | 572 |
| Total risk-based capital ratio | 30.3821% | 573 |
| Memoranda: | ||
| Average total assets | $99,237,000 | 4,567 |
| Average earning assets | $91,838,000 | 4,562 |
| Average equity | $19,128,000 | 3,306 |
| Average total loans | $59,508,670 | 4,483 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9005% | 3,614 |
| Cost of funding earning assets | 0.3922% | 3,387 |
| Net interest margin | 3.5083% | 3,403 |
| Noninterest income to average assets | 0.3597% | 4,324 |
| Noninterest expense to average assets | 2.0061% | 5,568 |
| Loan and lease loss provision to assets | 0.0599% | 2,729 |
| Net operating income to assets | 1.1789% | 1,607 |
| Return on assets (ROA) | 1.1789% | 1,705 |
| Pretax return on assets | 1.5106% | 1,532 |
| Return on Equity (ROE) | 6.1959% | 3,933 |
| Retained earnings to average equity (ytd only) | -1.3652% | 5,598 |
| Net charge-offs to loans | 0.0205% | 2,742 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 399 |
| Efficiency ratio | 56.0894% | 5,508 |
| Assets per employee ($millions) | 5.2877% | 2,010 |
| Cash dividends to net income (ytd only)* | 122.0339% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 4,962 |
| Loan loss allowance to noncurrent loans | 110.3383% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 3,907 |
| Noncurrent loans to loans | 0.9156% | 2,952 |
| Net loans and leases to total assets | 57.2512% | 4,059 |
| Net loans and leases to deposits | 72.2597% | 3,515 |
| Net loans and leases to core deposits | 73.9487% | 3,777 |
| Total domestic deposits to total assets | 79.2298% | 5,225 |
| Equity capital to assets | 18.9527% | 266 |
| Core capital (leverage) ratio | 19.3933% | 229 |
| Tier 1 risk-based capital ratio | 29.7860% | 548 |
| Total risk-based capital ratio | 30.3807% | 576 |
| Memoranda: | ||
| Average total assets | $100,094,500 | 4,590 |
| Average earning assets | $91,783,000 | 4,598 |
| Average equity | $19,045,000 | 3,334 |
| Average total loans | $58,595,500 | 4,528 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9788% | 3,800 |
| Cost of funding earning assets | 0.4454% | 3,217 |
| Net interest margin | 3.5334% | 3,670 |
| Noninterest income to average assets | 0.3896% | 4,266 |
| Noninterest expense to average assets | 2.0211% | 5,729 |
| Loan and lease loss provision to assets | 0.0810% | 2,859 |
| Net operating income to assets | 1.1677% | 1,682 |
| Return on assets (ROA) | 1.1892% | 1,690 |
| Pretax return on assets | 1.5677% | 1,327 |
| Return on Equity (ROE) | 6.3531% | 3,974 |
| Retained earnings to average equity (ytd only) | 4.4066% | 3,043 |
| Net charge-offs to loans | 0.0216% | 4,408 |
| Credit loss provision to net charge-offs | 666.6667% | 395 |
| Earnings coverage of net charge-offs (x) | 133.4167% | 403 |
| Efficiency ratio | 55.5031% | 5,715 |
| Assets per employee ($millions) | 5.2486% | 2,018 |
| Cash dividends to net income (ytd only)* | 30.6383% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 5,186 |
| Loan loss allowance to noncurrent loans | 162.8895% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 4,639 |
| Noncurrent loans to loans | 0.5974% | 3,878 |
| Net loans and leases to total assets | 58.6735% | 3,969 |
| Net loans and leases to deposits | 79.1834% | 2,814 |
| Net loans and leases to core deposits | 81.2879% | 3,170 |
| Total domestic deposits to total assets | 74.0983% | 5,942 |
| Equity capital to assets | 19.1019% | 261 |
| Core capital (leverage) ratio | 19.2668% | 235 |
| Tier 1 risk-based capital ratio | 29.2758% | 540 |
| Total risk-based capital ratio | 30.1665% | 555 |
| Memoranda: | ||
| Average total assets | $98,806,800 | 4,634 |
| Average earning assets | $90,932,600 | 4,634 |
| Average equity | $18,494,800 | 3,347 |
| Average total loans | $55,589,000 | 4,624 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9524% | 3,955 |
| Cost of funding earning assets | 0.4554% | 3,184 |
| Net interest margin | 3.4970% | 3,844 |
| Noninterest income to average assets | 0.3936% | 4,295 |
| Noninterest expense to average assets | 1.9328% | 5,896 |
| Loan and lease loss provision to assets | 0.0609% | 3,142 |
| Net operating income to assets | 1.1707% | 1,787 |
| Return on assets (ROA) | 1.1983% | 1,754 |
| Pretax return on assets | 1.6474% | 1,186 |
| Return on Equity (ROE) | 6.4354% | 4,018 |
| Retained earnings to average equity (ytd only) | 3.8206% | 3,934 |
| Net charge-offs to loans | -0.0487% | 5,892 |
| Credit loss provision to net charge-offs | -225.0000% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6411% | 5,861 |
| Assets per employee ($millions) | 5.1723% | 2,048 |
| Cash dividends to net income (ytd only)* | 40.6324% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 5,234 |
| Loan loss allowance to noncurrent loans | 167.7419% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 4,879 |
| Noncurrent loans to loans | 0.5942% | 4,151 |
| Net loans and leases to total assets | 57.8159% | 4,101 |
| Net loans and leases to deposits | 76.5700% | 3,120 |
| Net loans and leases to core deposits | 79.3592% | 3,393 |
| Total domestic deposits to total assets | 75.5073% | 5,870 |
| Equity capital to assets | 19.1007% | 266 |
| Core capital (leverage) ratio | 19.0934% | 247 |
| Tier 1 risk-based capital ratio | 29.5542% | 553 |
| Total risk-based capital ratio | 30.4626% | 555 |
| Memoranda: | ||
| Average total assets | $98,577,750 | 4,676 |
| Average earning assets | $90,474,500 | 4,693 |
| Average equity | $18,356,250 | 3,381 |
| Average total loans | $54,714,750 | 4,699 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 4,114 |
| Cost of funding earning assets | 0.4716% | 3,096 |
| Net interest margin | 3.4350% | 4,041 |
| Noninterest income to average assets | 0.3972% | 4,262 |
| Noninterest expense to average assets | 1.9153% | 5,973 |
| Loan and lease loss provision to assets | 0.0608% | 3,056 |
| Net operating income to assets | 1.1240% | 1,843 |
| Return on assets (ROA) | 1.1654% | 1,771 |
| Pretax return on assets | 1.6072% | 1,236 |
| Return on Equity (ROE) | 6.3124% | 3,987 |
| Retained earnings to average equity (ytd only) | 2.3603% | 4,704 |
| Net charge-offs to loans | 0.0483% | 3,286 |
| Credit loss provision to net charge-offs | 230.7692% | 1,047 |
| Earnings coverage of net charge-offs (x) | 61.1538% | 798 |
| Efficiency ratio | 54.3103% | 5,889 |
| Assets per employee ($millions) | 5.1609% | 2,015 |
| Cash dividends to net income (ytd only)* | 62.6087% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 5,542 |
| Loan loss allowance to noncurrent loans | 738.0282% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 5,956 |
| Noncurrent loans to loans | 0.1295% | 5,624 |
| Net loans and leases to total assets | 55.3943% | 4,362 |
| Net loans and leases to deposits | 69.8381% | 3,842 |
| Net loans and leases to core deposits | 72.2554% | 4,024 |
| Total domestic deposits to total assets | 79.3182% | 5,382 |
| Equity capital to assets | 18.8248% | 274 |
| Core capital (leverage) ratio | 18.3708% | 278 |
| Tier 1 risk-based capital ratio | 30.2893% | 510 |
| Total risk-based capital ratio | 31.1567% | 521 |
| Memoranda: | ||
| Average total assets | $98,679,000 | 4,713 |
| Average earning assets | $89,898,000 | 4,734 |
| Average equity | $18,218,000 | 3,400 |
| Average total loans | $53,823,000 | 4,754 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 4,195 |
| Cost of funding earning assets | 0.4906% | 3,007 |
| Net interest margin | 3.3845% | 4,198 |
| Noninterest income to average assets | 0.3718% | 4,414 |
| Noninterest expense to average assets | 1.9598% | 5,962 |
| Loan and lease loss provision to assets | 0.0606% | 2,892 |
| Net operating income to assets | 1.0021% | 2,201 |
| Return on assets (ROA) | 1.0021% | 2,259 |
| Pretax return on assets | 1.3900% | 1,785 |
| Return on Equity (ROE) | 5.4814% | 4,285 |
| Retained earnings to average equity (ytd only) | -2.4755% | 5,910 |
| Net charge-offs to loans | 0.0150% | 3,292 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 179.5000% | 277 |
| Efficiency ratio | 57.4645% | 5,708 |
| Assets per employee ($millions) | 5.0393% | 2,206 |
| Cash dividends to net income (ytd only)* | 145.1613% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 5,486 |
| Loan loss allowance to noncurrent loans | 65.4912% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 3,707 |
| Noncurrent loans to loans | 1.5394% | 2,501 |
| Net loans and leases to total assets | 50.6618% | 4,835 |
| Net loans and leases to deposits | 63.4199% | 4,383 |
| Net loans and leases to core deposits | 64.9511% | 4,598 |
| Total domestic deposits to total assets | 79.8831% | 5,506 |
| Equity capital to assets | 17.9251% | 328 |
| Core capital (leverage) ratio | 18.2050% | 298 |
| Tier 1 risk-based capital ratio | 30.6365% | 502 |
| Total risk-based capital ratio | 31.5230% | 509 |
| Memoranda: | ||
| Average total assets | $98,990,000 | 4,757 |
| Average earning assets | $88,875,500 | 4,801 |
| Average equity | $18,097,500 | 3,411 |
| Average total loans | $53,313,500 | 4,813 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1076% | 3,709 |
| Cost of funding earning assets | 0.5512% | 3,097 |
| Net interest margin | 3.5564% | 3,650 |
| Noninterest income to average assets | 0.3827% | 4,572 |
| Noninterest expense to average assets | 2.0769% | 5,876 |
| Loan and lease loss provision to assets | 0.0919% | 3,272 |
| Net operating income to assets | 1.0568% | 2,087 |
| Return on assets (ROA) | 1.0553% | 2,172 |
| Pretax return on assets | 1.3993% | 1,780 |
| Return on Equity (ROE) | 5.8392% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.8392% | 2,073 |
| Net charge-offs to loans | 0.0074% | 5,309 |
| Credit loss provision to net charge-offs | 2,250.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 365.7500% | 119 |
| Efficiency ratio | 58.1761% | 5,717 |
| Assets per employee ($millions) | 4.4179% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 5,854 |
| Loan loss allowance to noncurrent loans | 817.7419% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 6,076 |
| Noncurrent loans to loans | 0.1126% | 5,865 |
| Net loans and leases to total assets | 56.1146% | 4,300 |
| Net loans and leases to deposits | 70.9371% | 3,661 |
| Net loans and leases to core deposits | 72.7268% | 3,986 |
| Total domestic deposits to total assets | 79.1047% | 5,634 |
| Equity capital to assets | 18.6524% | 278 |
| Core capital (leverage) ratio | 18.6807% | 258 |
| Tier 1 risk-based capital ratio | 29.9776% | 501 |
| Total risk-based capital ratio | 30.8181% | 513 |
| Memoranda: | ||
| Average total assets | $97,980,800 | 4,795 |
| Average earning assets | $87,812,600 | 4,836 |
| Average equity | $17,708,000 | 3,468 |
| Average total loans | $53,730,400 | 4,822 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 3,840 |
| Cost of funding earning assets | 0.5632% | 3,141 |
| Net interest margin | 3.5162% | 3,804 |
| Noninterest income to average assets | 0.3789% | 4,683 |
| Noninterest expense to average assets | 1.9855% | 6,037 |
| Loan and lease loss provision to assets | 0.1019% | 3,067 |
| Net operating income to assets | 1.0654% | 2,133 |
| Return on assets (ROA) | 1.0633% | 2,229 |
| Pretax return on assets | 1.4341% | 1,821 |
| Return on Equity (ROE) | 5.9307% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.9307% | 2,457 |
| Net charge-offs to loans | -0.0499% | 6,308 |
| Credit loss provision to net charge-offs | -375.0000% | 5,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3391% | 5,862 |
| Assets per employee ($millions) | 4.3838% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 6,024 |
| Loan loss allowance to noncurrent loans | 264.6154% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 5,827 |
| Noncurrent loans to loans | 0.3449% | 5,349 |
| Net loans and leases to total assets | 58.0886% | 3,997 |
| Net loans and leases to deposits | 73.9070% | 3,246 |
| Net loans and leases to core deposits | 74.2626% | 3,809 |
| Total domestic deposits to total assets | 78.5969% | 5,814 |
| Equity capital to assets | 18.5911% | 286 |
| Core capital (leverage) ratio | 18.4832% | 264 |
| Tier 1 risk-based capital ratio | 28.7492% | 581 |
| Total risk-based capital ratio | 29.5811% | 593 |
| Memoranda: | ||
| Average total assets | $98,177,500 | 4,831 |
| Average earning assets | $87,820,750 | 4,877 |
| Average equity | $17,602,750 | 3,517 |
| Average total loans | $53,401,250 | 4,877 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0538% | 3,911 |
| Cost of funding earning assets | 0.5742% | 3,176 |
| Net interest margin | 3.4796% | 3,874 |
| Noninterest income to average assets | 0.3767% | 4,696 |
| Noninterest expense to average assets | 1.8308% | 6,323 |
| Loan and lease loss provision to assets | 0.1215% | 2,804 |
| Net operating income to assets | 1.0905% | 1,951 |
| Return on assets (ROA) | 1.0875% | 2,082 |
| Pretax return on assets | 1.4885% | 1,654 |
| Return on Equity (ROE) | 6.1394% | 4,082 |
| Retained earnings to average equity (ytd only) | 6.1394% | 2,347 |
| Net charge-offs to loans | 0.0229% | 4,379 |
| Credit loss provision to net charge-offs | 1,000.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 132.8333% | 370 |
| Efficiency ratio | 53.1452% | 6,210 |
| Assets per employee ($millions) | 4.8686% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 6,148 |
| Loan loss allowance to noncurrent loans | 516.3043% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 5,165 |
| Noncurrent loans to loans | 0.1733% | 5,883 |
| Net loans and leases to total assets | 54.0428% | 4,582 |
| Net loans and leases to deposits | 67.8976% | 4,030 |
| Net loans and leases to core deposits | 69.2650% | 4,355 |
| Total domestic deposits to total assets | 79.5945% | 5,691 |
| Equity capital to assets | 18.1409% | 318 |
| Core capital (leverage) ratio | 18.0456% | 286 |
| Tier 1 risk-based capital ratio | 29.7725% | 532 |
| Total risk-based capital ratio | 30.5766% | 549 |
| Memoranda: | ||
| Average total assets | $98,755,330 | 4,848 |
| Average earning assets | $87,079,330 | 4,925 |
| Average equity | $17,493,670 | 3,553 |
| Average total loans | $52,355,330 | 4,938 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 4,139 |
| Cost of funding earning assets | 0.5733% | 3,347 |
| Net interest margin | 3.4212% | 4,045 |
| Noninterest income to average assets | 0.3258% | 5,096 |
| Noninterest expense to average assets | 1.7778% | 6,462 |
| Loan and lease loss provision to assets | 0.1810% | 2,046 |
| Net operating income to assets | 0.9814% | 2,314 |
| Return on assets (ROA) | 0.9814% | 2,440 |
| Pretax return on assets | 1.3676% | 1,984 |
| Return on Equity (ROE) | 5.6065% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.6065% | 2,897 |
| Net charge-offs to loans | 0.0308% | 3,604 |
| Credit loss provision to net charge-offs | 1,125.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 96.2500% | 393 |
| Efficiency ratio | 53.4462% | 6,265 |
| Assets per employee ($millions) | 4.9874% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 6,238 |
| Loan loss allowance to noncurrent loans | 119.3798% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 5,427 |
| Noncurrent loans to loans | 0.7615% | 4,606 |
| Net loans and leases to total assets | 50.4892% | 4,921 |
| Net loans and leases to deposits | 63.0486% | 4,416 |
| Net loans and leases to core deposits | 64.2766% | 4,717 |
| Total domestic deposits to total assets | 80.0798% | 5,736 |
| Equity capital to assets | 17.5582% | 366 |
| Core capital (leverage) ratio | 17.3042% | 328 |
| Tier 1 risk-based capital ratio | 30.1010% | 525 |
| Total risk-based capital ratio | 30.9051% | 545 |
| Memoranda: | ||
| Average total assets | $99,447,500 | 4,878 |
| Average earning assets | $87,220,000 | 4,952 |
| Average equity | $17,408,500 | 3,604 |
| Average total loans | $51,984,500 | 4,987 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 3,457 |
| Cost of funding earning assets | 0.7150% | 3,365 |
| Net interest margin | 3.7718% | 3,354 |
| Noninterest income to average assets | 0.3878% | 4,702 |
| Noninterest expense to average assets | 2.2940% | 5,706 |
| Loan and lease loss provision to assets | 0.0255% | 5,575 |
| Net operating income to assets | 1.0349% | 2,186 |
| Return on assets (ROA) | 1.0349% | 2,392 |
| Pretax return on assets | 1.3473% | 2,223 |
| Return on Equity (ROE) | 5.6402% | 4,348 |
| Retained earnings to average equity (ytd only) | 1.4708% | 5,131 |
| Net charge-offs to loans | 0.2242% | 3,600 |
| Credit loss provision to net charge-offs | 21.8182% | 5,262 |
| Earnings coverage of net charge-offs (x) | 11.7455% | 2,000 |
| Efficiency ratio | 62.5616% | 5,158 |
| Assets per employee ($millions) | 4.7213% | 2,618 |
| Cash dividends to net income (ytd only)* | 73.9220% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 6,501 |
| Loan loss allowance to noncurrent loans | 46.9410% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 0.9067% | 4,227 |
| Noncurrent loans to loans | 1.6916% | 3,084 |
| Net loans and leases to total assets | 53.1766% | 4,735 |
| Net loans and leases to deposits | 66.4369% | 4,222 |
| Net loans and leases to core deposits | 67.7438% | 4,567 |
| Total domestic deposits to total assets | 80.0407% | 5,649 |
| Equity capital to assets | 17.4519% | 370 |
| Core capital (leverage) ratio | 17.5383% | 314 |
| Tier 1 risk-based capital ratio | 28.6813% | 580 |
| Total risk-based capital ratio | 29.3912% | 602 |
| Memoranda: | ||
| Average total assets | $94,116,200 | 4,983 |
| Average earning assets | $81,817,600 | 5,080 |
| Average equity | $17,269,000 | 3,578 |
| Average total loans | $49,058,800 | 5,140 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 3,575 |
| Cost of funding earning assets | 0.7379% | 3,455 |
| Net interest margin | 3.7770% | 3,434 |
| Noninterest income to average assets | 0.4020% | 4,621 |
| Noninterest expense to average assets | 2.0906% | 6,185 |
| Loan and lease loss provision to assets | 0.0258% | 5,459 |
| Net operating income to assets | 1.3095% | 1,420 |
| Return on assets (ROA) | 1.3095% | 1,557 |
| Pretax return on assets | 1.5708% | 1,665 |
| Return on Equity (ROE) | 7.0448% | 3,779 |
| Retained earnings to average equity (ytd only) | 4.2640% | 3,894 |
| Net charge-offs to loans | 0.0167% | 5,452 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 185.3288% | 241 |
| Efficiency ratio | 56.6978% | 5,966 |
| Assets per employee ($millions) | 4.5385% | 2,846 |
| Cash dividends to net income (ytd only)* | 39.4738% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 5,942 |
| Loan loss allowance to noncurrent loans | 33.2692% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 1.6368% | 3,132 |
| Noncurrent loans to loans | 3.1184% | 1,784 |
| Net loans and leases to total assets | 51.9432% | 5,056 |
| Net loans and leases to deposits | 65.8167% | 4,492 |
| Net loans and leases to core deposits | 67.2490% | 4,814 |
| Total domestic deposits to total assets | 78.9210% | 5,889 |
| Equity capital to assets | 18.5200% | 325 |
| Core capital (leverage) ratio | 18.1673% | 292 |
| Tier 1 risk-based capital ratio | 30.7610% | 494 |
| Total risk-based capital ratio | 31.6813% | 497 |
| Memoranda: | ||
| Average total assets | $92,858,500 | 5,058 |
| Average earning assets | $80,767,000 | 5,153 |
| Average equity | $17,260,500 | 3,615 |
| Average total loans | $48,037,250 | 5,235 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 3,583 |
| Cost of funding earning assets | 0.7709% | 3,442 |
| Net interest margin | 3.7741% | 3,483 |
| Noninterest income to average assets | 0.4215% | 4,488 |
| Noninterest expense to average assets | 2.1273% | 6,181 |
| Loan and lease loss provision to assets | 0.0261% | 5,338 |
| Net operating income to assets | 1.2712% | 1,514 |
| Return on assets (ROA) | 1.2712% | 1,679 |
| Pretax return on assets | 1.5341% | 1,767 |
| Return on Equity (ROE) | 6.8300% | 3,868 |
| Retained earnings to average equity (ytd only) | 2.6269% | 4,867 |
| Net charge-offs to loans | 0.0338% | 4,905 |
| Credit loss provision to net charge-offs | 150.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 89.7500% | 467 |
| Efficiency ratio | 57.6900% | 5,906 |
| Assets per employee ($millions) | 4.4771% | 2,947 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 5,865 |
| Loan loss allowance to noncurrent loans | 109.4218% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 5,421 |
| Noncurrent loans to loans | 0.9861% | 4,533 |
| Net loans and leases to total assets | 49.8282% | 5,375 |
| Net loans and leases to deposits | 63.0729% | 4,871 |
| Net loans and leases to core deposits | 64.2378% | 5,187 |
| Total domestic deposits to total assets | 79.0011% | 5,960 |
| Equity capital to assets | 18.4048% | 314 |
| Core capital (leverage) ratio | 18.0060% | 289 |
| Tier 1 risk-based capital ratio | 31.4975% | 461 |
| Total risk-based capital ratio | 32.4432% | 467 |
| Memoranda: | ||
| Average total assets | $92,042,000 | 5,111 |
| Average earning assets | $79,648,670 | 5,220 |
| Average equity | $17,130,330 | 3,620 |
| Average total loans | $47,374,670 | 5,292 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 3,431 |
| Cost of funding earning assets | 0.7837% | 3,596 |
| Net interest margin | 3.8325% | 3,230 |
| Noninterest income to average assets | 0.3998% | 4,673 |
| Noninterest expense to average assets | 2.2185% | 5,996 |
| Loan and lease loss provision to assets | 0.0264% | 5,023 |
| Net operating income to assets | 1.2169% | 1,686 |
| Return on assets (ROA) | 1.2169% | 1,870 |
| Pretax return on assets | 1.4848% | 1,913 |
| Return on Equity (ROE) | 6.5010% | 4,041 |
| Retained earnings to average equity (ytd only) | -1.9480% | 6,275 |
| Net charge-offs to loans | -0.0169% | 6,120 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4817% | 5,699 |
| Assets per employee ($millions) | 4.2770% | 3,444 |
| Cash dividends to net income (ytd only)* | 129.9639% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 5,761 |
| Loan loss allowance to noncurrent loans | 213.6929% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 6,245 |
| Noncurrent loans to loans | 0.5328% | 5,599 |
| Net loans and leases to total assets | 47.5253% | 5,623 |
| Net loans and leases to deposits | 59.9196% | 5,158 |
| Net loans and leases to core deposits | 61.0176% | 5,432 |
| Total domestic deposits to total assets | 79.3151% | 6,009 |
| Equity capital to assets | 18.0715% | 333 |
| Core capital (leverage) ratio | 18.2861% | 281 |
| Tier 1 risk-based capital ratio | 31.6174% | 452 |
| Total risk-based capital ratio | 32.5917% | 462 |
| Memoranda: | ||
| Average total assets | $91,053,500 | 5,174 |
| Average earning assets | $79,112,500 | 5,267 |
| Average equity | $17,043,500 | 3,642 |
| Average total loans | $47,382,500 | 5,325 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7420% | 4,072 |
| Cost of funding earning assets | 0.9052% | 4,077 |
| Net interest margin | 3.8368% | 3,639 |
| Noninterest income to average assets | 0.4333% | 4,349 |
| Noninterest expense to average assets | 2.3385% | 5,948 |
| Loan and lease loss provision to assets | 0.2396% | 3,811 |
| Net operating income to assets | 1.0855% | 1,878 |
| Return on assets (ROA) | 1.0855% | 2,005 |
| Pretax return on assets | 1.4019% | 1,786 |
| Return on Equity (ROE) | 5.6685% | 4,043 |
| Retained earnings to average equity (ytd only) | 3.5136% | 3,720 |
| Net charge-offs to loans | 0.4752% | 3,091 |
| Credit loss provision to net charge-offs | 90.4762% | 3,986 |
| Earnings coverage of net charge-offs (x) | 6.1991% | 2,567 |
| Efficiency ratio | 58.7558% | 5,939 |
| Assets per employee ($millions) | 4.0006% | 3,846 |
| Cash dividends to net income (ytd only)* | 38.0148% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 6,102 |
| Loan loss allowance to noncurrent loans | 507.0000% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 6,675 |
| Noncurrent loans to loans | 0.2019% | 6,344 |
| Net loans and leases to total assets | 55.7014% | 4,762 |
| Net loans and leases to deposits | 71.5777% | 3,865 |
| Net loans and leases to core deposits | 73.0038% | 4,378 |
| Total domestic deposits to total assets | 77.8194% | 6,230 |
| Equity capital to assets | 19.4094% | 261 |
| Core capital (leverage) ratio | 18.9338% | 248 |
| Tier 1 risk-based capital ratio | 30.5430% | 495 |
| Total risk-based capital ratio | 31.4650% | 500 |
| Memoranda: | ||
| Average total assets | $87,237,200 | 5,255 |
| Average earning assets | $80,640,800 | 5,211 |
| Average equity | $16,706,400 | 3,621 |
| Average total loans | $48,606,200 | 5,316 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7234% | 4,343 |
| Cost of funding earning assets | 0.9367% | 4,143 |
| Net interest margin | 3.7867% | 3,940 |
| Noninterest income to average assets | 0.4105% | 4,584 |
| Noninterest expense to average assets | 2.1690% | 6,347 |
| Loan and lease loss provision to assets | 0.1195% | 4,943 |
| Net operating income to assets | 1.2254% | 1,587 |
| Return on assets (ROA) | 1.2254% | 1,693 |
| Pretax return on assets | 1.6267% | 1,315 |
| Return on Equity (ROE) | 6.4208% | 3,813 |
| Retained earnings to average equity (ytd only) | 3.5314% | 4,227 |
| Net charge-offs to loans | 0.6394% | 2,332 |
| Credit loss provision to net charge-offs | 33.6207% | 5,361 |
| Earnings coverage of net charge-offs (x) | 4.9137% | 2,925 |
| Efficiency ratio | 55.3991% | 6,351 |
| Assets per employee ($millions) | 4.0404% | 3,757 |
| Cash dividends to net income (ytd only)* | 45.0002% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7489% | 6,900 |
| Loan loss allowance to noncurrent loans | 50.6073% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 5,096 |
| Noncurrent loans to loans | 1.4799% | 4,081 |
| Net loans and leases to total assets | 55.9086% | 4,858 |
| Net loans and leases to deposits | 71.5740% | 4,051 |
| Net loans and leases to core deposits | 73.5376% | 4,518 |
| Total domestic deposits to total assets | 78.1129% | 6,175 |
| Equity capital to assets | 19.1094% | 310 |
| Core capital (leverage) ratio | 18.9784% | 262 |
| Tier 1 risk-based capital ratio | 29.7505% | 553 |
| Total risk-based capital ratio | 30.4206% | 575 |
| Memoranda: | ||
| Average total assets | $87,043,000 | 5,297 |
| Average earning assets | $80,561,000 | 5,258 |
| Average equity | $16,612,250 | 3,642 |
| Average total loans | $48,374,750 | 5,374 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 4,489 |
| Cost of funding earning assets | 0.9608% | 4,244 |
| Net interest margin | 3.7505% | 4,030 |
| Noninterest income to average assets | 0.4188% | 4,524 |
| Noninterest expense to average assets | 2.1127% | 6,571 |
| Loan and lease loss provision to assets | 0.0278% | 5,959 |
| Net operating income to assets | 1.3422% | 1,209 |
| Return on assets (ROA) | 1.3422% | 1,286 |
| Pretax return on assets | 1.7471% | 966 |
| Return on Equity (ROE) | 7.0356% | 3,434 |
| Retained earnings to average equity (ytd only) | 2.6687% | 4,592 |
| Net charge-offs to loans | 0.3388% | 3,214 |
| Credit loss provision to net charge-offs | 14.8148% | 5,199 |
| Earnings coverage of net charge-offs (x) | 9.4691% | 1,919 |
| Efficiency ratio | 54.3452% | 6,589 |
| Assets per employee ($millions) | 3.7688% | 4,273 |
| Cash dividends to net income (ytd only)* | 62.0690% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 6,451 |
| Loan loss allowance to noncurrent loans | 310.8108% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 6,669 |
| Noncurrent loans to loans | 0.3119% | 6,295 |
| Net loans and leases to total assets | 54.2067% | 5,267 |
| Net loans and leases to deposits | 69.6469% | 4,483 |
| Net loans and leases to core deposits | 71.6062% | 4,862 |
| Total domestic deposits to total assets | 77.8307% | 6,321 |
| Equity capital to assets | 19.3187% | 298 |
| Core capital (leverage) ratio | 18.7541% | 286 |
| Tier 1 risk-based capital ratio | 30.9782% | 490 |
| Total risk-based capital ratio | 31.8456% | 501 |
| Memoranda: | ||
| Average total assets | $86,428,000 | 5,359 |
| Average earning assets | $79,936,330 | 5,322 |
| Average equity | $16,487,670 | 3,654 |
| Average total loans | $47,809,330 | 5,445 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 4,710 |
| Cost of funding earning assets | 0.9676% | 4,446 |
| Net interest margin | 3.6900% | 4,158 |
| Noninterest income to average assets | 0.3986% | 4,704 |
| Noninterest expense to average assets | 2.1135% | 6,600 |
| Loan and lease loss provision to assets | 0.0278% | 5,615 |
| Net operating income to assets | 1.2607% | 1,365 |
| Return on assets (ROA) | 1.2607% | 1,417 |
| Pretax return on assets | 1.6686% | 1,041 |
| Return on Equity (ROE) | 6.6510% | 3,557 |
| Retained earnings to average equity (ytd only) | -2.1518% | 6,171 |
| Net charge-offs to loans | 0.0417% | 4,529 |
| Credit loss provision to net charge-offs | 120.0000% | 2,273 |
| Earnings coverage of net charge-offs (x) | 73.2000% | 422 |
| Efficiency ratio | 55.4745% | 6,562 |
| Assets per employee ($millions) | 3.8505% | 4,183 |
| Cash dividends to net income (ytd only)* | 132.3529% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 5,898 |
| Loan loss allowance to noncurrent loans | 269.0355% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 6,614 |
| Noncurrent loans to loans | 0.4227% | 6,154 |
| Net loans and leases to total assets | 52.0240% | 5,582 |
| Net loans and leases to deposits | 66.0497% | 4,970 |
| Net loans and leases to core deposits | 67.8392% | 5,308 |
| Total domestic deposits to total assets | 78.7649% | 6,247 |
| Equity capital to assets | 18.4246% | 340 |
| Core capital (leverage) ratio | 18.6176% | 290 |
| Tier 1 risk-based capital ratio | 30.8153% | 485 |
| Total risk-based capital ratio | 31.8283% | 487 |
| Memoranda: | ||
| Average total assets | $86,300,500 | 5,399 |
| Average earning assets | $79,783,000 | 5,366 |
| Average equity | $16,358,500 | 3,663 |
| Average total loans | $47,990,000 | 5,482 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 3,378 |
| Cost of funding earning assets | 1.2843% | 3,986 |
| Net interest margin | 3.9622% | 3,202 |
| Noninterest income to average assets | 0.4283% | 4,689 |
| Noninterest expense to average assets | 2.4335% | 6,003 |
| Loan and lease loss provision to assets | 0.0491% | 6,663 |
| Net operating income to assets | 1.2120% | 1,386 |
| Return on assets (ROA) | 1.2120% | 1,461 |
| Pretax return on assets | 1.5889% | 1,150 |
| Return on Equity (ROE) | 6.3251% | 3,434 |
| Retained earnings to average equity (ytd only) | 4.0773% | 3,007 |
| Net charge-offs to loans | 0.0506% | 6,291 |
| Credit loss provision to net charge-offs | 164.0000% | 2,109 |
| Earnings coverage of net charge-offs (x) | 54.7600% | 426 |
| Efficiency ratio | 59.7708% | 6,084 |
| Assets per employee ($millions) | 3.6539% | 4,570 |
| Cash dividends to net income (ytd only)* | 35.5380% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 6,068 |
| Loan loss allowance to noncurrent loans | 305.7803% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 6,707 |
| Noncurrent loans to loans | 0.3504% | 6,358 |
| Net loans and leases to total assets | 58.1247% | 5,008 |
| Net loans and leases to deposits | 74.4373% | 4,127 |
| Net loans and leases to core deposits | 76.2761% | 4,668 |
| Total domestic deposits to total assets | 78.0854% | 6,295 |
| Equity capital to assets | 19.5145% | 287 |
| Core capital (leverage) ratio | 19.1872% | 277 |
| Tier 1 risk-based capital ratio | 30.1180% | 502 |
| Total risk-based capital ratio | 31.1010% | 505 |
| Memoranda: | ||
| Average total assets | $83,582,200 | 5,479 |
| Average earning assets | $76,850,600 | 5,449 |
| Average equity | $16,015,600 | 3,760 |
| Average total loans | $49,410,800 | 5,506 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2420% | 3,619 |
| Cost of funding earning assets | 1.3506% | 3,895 |
| Net interest margin | 3.8914% | 3,569 |
| Noninterest income to average assets | 0.4361% | 4,665 |
| Noninterest expense to average assets | 2.2747% | 6,397 |
| Loan and lease loss provision to assets | 0.0559% | 6,512 |
| Net operating income to assets | 1.2763% | 1,393 |
| Return on assets (ROA) | 1.2763% | 1,479 |
| Pretax return on assets | 1.6677% | 1,174 |
| Return on Equity (ROE) | 6.6919% | 3,485 |
| Retained earnings to average equity (ytd only) | 3.6767% | 3,871 |
| Net charge-offs to loans | 0.0216% | 6,370 |
| Credit loss provision to net charge-offs | 437.5000% | 688 |
| Earnings coverage of net charge-offs (x) | 134.8294% | 238 |
| Efficiency ratio | 56.8917% | 6,427 |
| Assets per employee ($millions) | 3.6020% | 4,732 |
| Cash dividends to net income (ytd only)* | 45.0564% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 5,731 |
| Loan loss allowance to noncurrent loans | 83.4621% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 5,542 |
| Noncurrent loans to loans | 1.3726% | 4,562 |
| Net loans and leases to total assets | 56.2459% | 5,515 |
| Net loans and leases to deposits | 71.9316% | 4,852 |
| Net loans and leases to core deposits | 74.0191% | 5,288 |
| Total domestic deposits to total assets | 78.1935% | 6,219 |
| Equity capital to assets | 19.6495% | 306 |
| Core capital (leverage) ratio | 19.1885% | 287 |
| Tier 1 risk-based capital ratio | 30.8116% | 482 |
| Total risk-based capital ratio | 31.8519% | 477 |
| Memoranda: | ||
| Average total assets | $83,467,750 | 5,556 |
| Average earning assets | $76,406,250 | 5,534 |
| Average equity | $15,919,500 | 3,824 |
| Average total loans | $49,419,250 | 5,587 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2040% | 3,935 |
| Cost of funding earning assets | 1.3278% | 4,359 |
| Net interest margin | 3.8762% | 3,552 |
| Noninterest income to average assets | 0.4422% | 4,586 |
| Noninterest expense to average assets | 2.2444% | 6,530 |
| Loan and lease loss provision to assets | 0.0693% | 6,261 |
| Net operating income to assets | 1.2835% | 1,345 |
| Return on assets (ROA) | 1.2835% | 1,408 |
| Pretax return on assets | 1.6731% | 1,111 |
| Return on Equity (ROE) | 6.7976% | 3,395 |
| Retained earnings to average equity (ytd only) | 2.2406% | 4,729 |
| Net charge-offs to loans | 0.0239% | 6,005 |
| Credit loss provision to net charge-offs | 483.3333% | 769 |
| Earnings coverage of net charge-offs (x) | 121.5000% | 277 |
| Efficiency ratio | 56.2950% | 6,604 |
| Assets per employee ($millions) | 3.7235% | 4,405 |
| Cash dividends to net income (ytd only)* | 67.0391% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 6,251 |
| Loan loss allowance to noncurrent loans | 83.6193% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 5,625 |
| Noncurrent loans to loans | 1.2370% | 4,905 |
| Net loans and leases to total assets | 59.8802% | 5,079 |
| Net loans and leases to deposits | 78.9561% | 3,807 |
| Net loans and leases to core deposits | 81.5566% | 4,484 |
| Total domestic deposits to total assets | 75.8398% | 6,722 |
| Equity capital to assets | 18.7037% | 364 |
| Core capital (leverage) ratio | 18.8742% | 299 |
| Tier 1 risk-based capital ratio | 28.0011% | 630 |
| Total risk-based capital ratio | 28.9551% | 634 |
| Memoranda: | ||
| Average total assets | $83,674,670 | 5,576 |
| Average earning assets | $76,518,000 | 5,561 |
| Average equity | $15,799,670 | 3,832 |
| Average total loans | $50,179,670 | 5,597 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1558% | 4,270 |
| Cost of funding earning assets | 1.2441% | 5,148 |
| Net interest margin | 3.9117% | 3,276 |
| Noninterest income to average assets | 0.3628% | 5,237 |
| Noninterest expense to average assets | 2.2396% | 6,582 |
| Loan and lease loss provision to assets | 0.1113% | 5,506 |
| Net operating income to assets | 1.2093% | 1,520 |
| Return on assets (ROA) | 1.2093% | 1,590 |
| Pretax return on assets | 1.6011% | 1,261 |
| Return on Equity (ROE) | 6.3733% | 3,683 |
| Retained earnings to average equity (ytd only) | -2.8042% | 6,334 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6707% | 6,672 |
| Assets per employee ($millions) | 3.7060% | 4,563 |
| Cash dividends to net income (ytd only)* | 144.0000% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 6,054 |
| Loan loss allowance to noncurrent loans | 82.8439% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.8975% | 5,368 |
| Noncurrent loans to loans | 1.3141% | 4,784 |
| Net loans and leases to total assets | 57.1311% | 5,582 |
| Net loans and leases to deposits | 73.0543% | 4,895 |
| Net loans and leases to core deposits | 77.1906% | 5,114 |
| Total domestic deposits to total assets | 78.2036% | 6,266 |
| Equity capital to assets | 18.3437% | 391 |
| Core capital (leverage) ratio | 18.6814% | 329 |
| Tier 1 risk-based capital ratio | 28.3822% | 613 |
| Total risk-based capital ratio | 29.3671% | 619 |
| Memoranda: | ||
| Average total assets | $82,691,500 | 5,672 |
| Average earning assets | $75,875,500 | 5,640 |
| Average equity | $15,690,500 | 3,887 |
| Average total loans | $49,360,500 | 5,700 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4270% | 4,552 |
| Cost of funding earning assets | 1.3449% | 6,164 |
| Net interest margin | 4.0821% | 2,523 |
| Noninterest income to average assets | 0.4806% | 4,559 |
| Noninterest expense to average assets | 2.4880% | 6,179 |
| Loan and lease loss provision to assets | 0.0438% | 7,119 |
| Net operating income to assets | 1.3039% | 1,025 |
| Return on assets (ROA) | 1.3039% | 1,069 |
| Pretax return on assets | 1.7265% | 738 |
| Return on Equity (ROE) | 6.5868% | 2,962 |
| Retained earnings to average equity (ytd only) | 4.2437% | 2,250 |
| Net charge-offs to loans | 0.0399% | 6,714 |
| Credit loss provision to net charge-offs | 188.8889% | 2,127 |
| Earnings coverage of net charge-offs (x) | 76.3333% | 355 |
| Efficiency ratio | 58.4266% | 6,704 |
| Assets per employee ($millions) | 3.4845% | 5,039 |
| Cash dividends to net income (ytd only)* | 35.5731% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 6,189 |
| Loan loss allowance to noncurrent loans | 72.8693% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 5,349 |
| Noncurrent loans to loans | 1.4226% | 4,547 |
| Net loans and leases to total assets | 61.1075% | 5,174 |
| Net loans and leases to deposits | 77.7451% | 4,433 |
| Net loans and leases to core deposits | 94.0072% | 4,675 |
| Total domestic deposits to total assets | 78.5998% | 6,092 |
| Equity capital to assets | 19.6459% | 322 |
| Core capital (leverage) ratio | 19.1621% | 328 |
| Tier 1 risk-based capital ratio | 28.6398% | 599 |
| Total risk-based capital ratio | 29.5843% | 602 |
| Memoranda: | ||
| Average total assets | $77,612,800 | 5,792 |
| Average earning assets | $71,826,400 | 5,757 |
| Average equity | $15,364,000 | 4,000 |
| Average total loans | $45,112,800 | 5,865 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4651% | 4,603 |
| Cost of funding earning assets | 1.3607% | 6,364 |
| Net interest margin | 4.1045% | 2,377 |
| Noninterest income to average assets | 0.4798% | 4,668 |
| Noninterest expense to average assets | 2.3867% | 6,459 |
| Loan and lease loss provision to assets | 0.0485% | 6,886 |
| Net operating income to assets | 1.5744% | 700 |
| Return on assets (ROA) | 1.5744% | 752 |
| Pretax return on assets | 1.8429% | 739 |
| Return on Equity (ROE) | 7.9376% | 2,664 |
| Retained earnings to average equity (ytd only) | 4.7940% | 2,609 |
| Net charge-offs to loans | 0.0545% | 6,160 |
| Credit loss provision to net charge-offs | 155.5556% | 3,064 |
| Earnings coverage of net charge-offs (x) | 60.6650% | 544 |
| Efficiency ratio | 55.7895% | 7,030 |
| Assets per employee ($millions) | 3.4523% | 5,042 |
| Cash dividends to net income (ytd only)* | 39.6041% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 5,776 |
| Loan loss allowance to noncurrent loans | 77.7607% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.8211% | 5,448 |
| Noncurrent loans to loans | 1.4052% | 4,565 |
| Net loans and leases to total assets | 57.7970% | 5,917 |
| Net loans and leases to deposits | 73.5484% | 5,437 |
| Net loans and leases to core deposits | 88.6956% | 5,566 |
| Total domestic deposits to total assets | 78.5837% | 5,934 |
| Equity capital to assets | 19.7564% | 361 |
| Core capital (leverage) ratio | 19.8576% | 319 |
| Tier 1 risk-based capital ratio | 29.9220% | 569 |
| Total risk-based capital ratio | 30.9037% | 576 |
| Memoranda: | ||
| Average total assets | $76,980,000 | 5,847 |
| Average earning assets | $71,238,000 | 5,811 |
| Average equity | $15,268,750 | 4,055 |
| Average total loans | $44,019,250 | 5,966 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5258% | 4,475 |
| Cost of funding earning assets | 1.4120% | 6,438 |
| Net interest margin | 4.1138% | 2,273 |
| Noninterest income to average assets | 0.4857% | 4,575 |
| Noninterest expense to average assets | 2.2922% | 6,774 |
| Loan and lease loss provision to assets | 0.0315% | 6,929 |
| Net operating income to assets | 1.6988% | 569 |
| Return on assets (ROA) | 1.6988% | 621 |
| Pretax return on assets | 1.9640% | 611 |
| Return on Equity (ROE) | 8.5529% | 2,540 |
| Retained earnings to average equity (ytd only) | 3.7940% | 3,184 |
| Net charge-offs to loans | 0.0648% | 5,593 |
| Credit loss provision to net charge-offs | 85.7143% | 5,038 |
| Earnings coverage of net charge-offs (x) | 54.2857% | 651 |
| Efficiency ratio | 53.4599% | 7,386 |
| Assets per employee ($millions) | 3.3724% | 5,130 |
| Cash dividends to net income (ytd only)* | 55.6414% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 5,314 |
| Loan loss allowance to noncurrent loans | 75.5725% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.8445% | 5,300 |
| Noncurrent loans to loans | 1.5128% | 4,225 |
| Net loans and leases to total assets | 55.1834% | 6,321 |
| Net loans and leases to deposits | 70.2322% | 5,968 |
| Net loans and leases to core deposits | 82.8921% | 6,170 |
| Total domestic deposits to total assets | 78.5728% | 5,933 |
| Equity capital to assets | 19.7705% | 401 |
| Core capital (leverage) ratio | 19.8744% | 369 |
| Tier 1 risk-based capital ratio | 30.6201% | 564 |
| Total risk-based capital ratio | 31.6179% | 565 |
| Memoranda: | ||
| Average total assets | $76,172,670 | 5,914 |
| Average earning assets | $70,397,000 | 5,872 |
| Average equity | $15,129,330 | 4,095 |
| Average total loans | $43,226,000 | 6,053 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5806% | 4,466 |
| Cost of funding earning assets | 1.5007% | 6,396 |
| Net interest margin | 4.0799% | 2,358 |
| Noninterest income to average assets | 0.4664% | 4,623 |
| Noninterest expense to average assets | 2.2471% | 6,702 |
| Loan and lease loss provision to assets | 0.0318% | 6,534 |
| Net operating income to assets | 1.7277% | 613 |
| Return on assets (ROA) | 1.7277% | 671 |
| Pretax return on assets | 1.9768% | 694 |
| Return on Equity (ROE) | 8.6780% | 2,849 |
| Retained earnings to average equity (ytd only) | -0.9051% | 5,867 |
| Net charge-offs to loans | 0.1111% | 4,079 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | 31.5833% | 1,017 |
| Efficiency ratio | 52.8020% | 7,337 |
| Assets per employee ($millions) | 3.1433% | 5,760 |
| Cash dividends to net income (ytd only)* | 110.4294% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 5,077 |
| Loan loss allowance to noncurrent loans | 164.7651% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 6,318 |
| Noncurrent loans to loans | 0.7018% | 5,659 |
| Net loans and leases to total assets | 55.6357% | 6,296 |
| Net loans and leases to deposits | 70.6594% | 5,913 |
| Net loans and leases to core deposits | 84.3486% | 6,033 |
| Total domestic deposits to total assets | 78.7378% | 5,813 |
| Equity capital to assets | 19.9181% | 425 |
| Core capital (leverage) ratio | 19.8717% | 401 |
| Tier 1 risk-based capital ratio | 32.3662% | 516 |
| Total risk-based capital ratio | 33.4349% | 509 |
| Memoranda: | ||
| Average total assets | $75,476,500 | 5,962 |
| Average earning assets | $70,099,500 | 5,911 |
| Average equity | $15,026,500 | 4,138 |
| Average total loans | $43,190,000 | 6,086 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0151% | 5,482 |
| Cost of funding earning assets | 1.9487% | 6,577 |
| Net interest margin | 4.0664% | 2,844 |
| Noninterest income to average assets | 0.4795% | 4,804 |
| Noninterest expense to average assets | 2.4853% | 6,070 |
| Loan and lease loss provision to assets | 0.4243% | 3,159 |
| Net operating income to assets | 1.0264% | 2,448 |
| Return on assets (ROA) | 1.0264% | 2,332 |
| Pretax return on assets | 1.3282% | 2,212 |
| Return on Equity (ROE) | 5.1924% | 4,287 |
| Retained earnings to average equity (ytd only) | 2.7393% | 3,477 |
| Net charge-offs to loans | 0.7351% | 1,684 |
| Credit loss provision to net charge-offs | 95.7447% | 5,522 |
| Earnings coverage of net charge-offs (x) | 3.9544% | 4,165 |
| Efficiency ratio | 58.6459% | 6,586 |
| Assets per employee ($millions) | 3.1464% | 5,632 |
| Cash dividends to net income (ytd only)* | 47.2441% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 5,043 |
| Loan loss allowance to noncurrent loans | 230.0926% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 6,440 |
| Noncurrent loans to loans | 0.4918% | 5,876 |
| Net loans and leases to total assets | 57.5006% | 6,272 |
| Net loans and leases to deposits | 73.9988% | 5,846 |
| Net loans and leases to core deposits | 89.3638% | 5,858 |
| Total domestic deposits to total assets | 77.7048% | 5,804 |
| Equity capital to assets | 19.8996% | 472 |
| Core capital (leverage) ratio | 20.1354% | 438 |
| Tier 1 risk-based capital ratio | 31.8979% | 556 |
| Total risk-based capital ratio | 32.9616% | 552 |
| Memoranda: | ||
| Average total assets | $74,237,400 | 5,907 |
| Average earning assets | $68,610,600 | 5,866 |
| Average equity | $14,675,200 | 4,202 |
| Average total loans | $44,756,000 | 5,936 |