Home > Bank of 1889 > Performance and Condition Ratios
Bank of 1889, 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 | 6.1834% | 507 |
| Cost of funding earning assets | 0.5684% | 4,116 |
| Net interest margin | 5.6150% | 161 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 3.8327% | 417 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.8474% | 569 |
| Return on assets (ROA) | 1.8474% | 552 |
| Pretax return on assets | 1.8474% | 830 |
| Return on Equity (ROE) | 17.8700% | 837 |
| Retained earnings to average equity (ytd only) | 3.8928% | 2,998 |
| Net charge-offs to loans | 0.0422% | 1,478 |
| Credit loss provision to net charge-offs | 364.7059% | 831 |
| Earnings coverage of net charge-offs (x) | 66.8235% | 1,127 |
| Efficiency ratio | 66.2327% | 2,321 |
| Assets per employee ($millions) | 3.2037% | 4,350 |
| Cash dividends to net income (ytd only)* | 78.2123% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 2,913 |
| Loan loss allowance to noncurrent loans | 121.3915% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 792 |
| Noncurrent loans to loans | 0.8933% | 843 |
| Net loans and leases to total assets | 73.9700% | 1,367 |
| Net loans and leases to deposits | 83.2185% | 1,840 |
| Net loans and leases to core deposits | 90.3281% | 2,027 |
| Total domestic deposits to total assets | 88.8800% | 1,101 |
| Equity capital to assets | 10.2831% | 1,852 |
| Core capital (leverage) ratio | 10.1255% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $290,680,600 | 2,469 |
| Average earning assets | $267,767,000 | 2,473 |
| Average equity | $30,055,400 | 2,256 |
| Average total loans | $201,409,800 | 2,279 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0002% | 531 |
| Cost of funding earning assets | 0.4915% | 4,153 |
| Net interest margin | 5.5087% | 177 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 3.6685% | 459 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7637% | 712 |
| Return on assets (ROA) | 1.7637% | 700 |
| Pretax return on assets | 1.7637% | 1,054 |
| Return on Equity (ROE) | 17.0400% | 1,069 |
| Retained earnings to average equity (ytd only) | 14.3823% | 628 |
| Net charge-offs to loans | -0.0020% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.8558% | 2,168 |
| Assets per employee ($millions) | 3.2051% | 4,370 |
| Cash dividends to net income (ytd only)* | 15.5723% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 2,888 |
| Loan loss allowance to noncurrent loans | 131.0668% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 993 |
| Noncurrent loans to loans | 0.8353% | 990 |
| Net loans and leases to total assets | 70.0300% | 1,823 |
| Net loans and leases to deposits | 79.2821% | 2,118 |
| Net loans and leases to core deposits | 85.5832% | 2,209 |
| Total domestic deposits to total assets | 88.3300% | 1,466 |
| Equity capital to assets | 11.0013% | 1,344 |
| Core capital (leverage) ratio | 10.9927% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $291,266,750 | 2,471 |
| Average earning assets | $267,761,500 | 2,474 |
| Average equity | $30,156,750 | 2,246 |
| Average total loans | $197,860,250 | 2,304 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8133% | 549 |
| Cost of funding earning assets | 0.4285% | 4,119 |
| Net interest margin | 5.3848% | 192 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 3.6290% | 468 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.7796% | 681 |
| Return on assets (ROA) | 1.7796% | 679 |
| Pretax return on assets | 1.7796% | 1,051 |
| Return on Equity (ROE) | 17.5500% | 1,008 |
| Retained earnings to average equity (ytd only) | 13.4994% | 744 |
| Net charge-offs to loans | -0.0286% | 4,228 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.4661% | 2,178 |
| Assets per employee ($millions) | 3.2720% | 4,393 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 2,836 |
| Loan loss allowance to noncurrent loans | 110.8554% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 766 |
| Noncurrent loans to loans | 1.0114% | 747 |
| Net loans and leases to total assets | 67.1100% | 2,048 |
| Net loans and leases to deposits | 75.5214% | 2,363 |
| Net loans and leases to core deposits | 81.0900% | 2,404 |
| Total domestic deposits to total assets | 88.8600% | 1,304 |
| Equity capital to assets | 10.4671% | 1,614 |
| Core capital (leverage) ratio | 10.4795% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $292,203,000 | 2,471 |
| Average earning assets | $268,830,333 | 2,481 |
| Average equity | $29,631,000 | 2,277 |
| Average total loans | $195,734,333 | 2,316 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2891% | 839 |
| Cost of funding earning assets | 0.3607% | 4,046 |
| Net interest margin | 4.9284% | 319 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 3.5559% | 504 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8640% | 603 |
| Return on assets (ROA) | 1.8640% | 592 |
| Pretax return on assets | 1.8640% | 959 |
| Return on Equity (ROE) | 18.6800% | 931 |
| Retained earnings to average equity (ytd only) | 18.6811% | 459 |
| Net charge-offs to loans | -0.0904% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.6077% | 2,256 |
| Assets per employee ($millions) | 3.3255% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 3,107 |
| Loan loss allowance to noncurrent loans | 252.5761% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 1,687 |
| Noncurrent loans to loans | 0.4316% | 1,639 |
| Net loans and leases to total assets | 67.6400% | 1,877 |
| Net loans and leases to deposits | 75.9487% | 2,124 |
| Net loans and leases to core deposits | 81.6409% | 2,137 |
| Total domestic deposits to total assets | 89.0600% | 1,524 |
| Equity capital to assets | 10.3154% | 1,663 |
| Core capital (leverage) ratio | 10.2124% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $292,700,000 | 2,504 |
| Average earning assets | $269,460,500 | 2,508 |
| Average equity | $29,206,000 | 2,321 |
| Average total loans | $194,780,500 | 2,342 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5512% | 658 |
| Cost of funding earning assets | 0.2146% | 3,639 |
| Net interest margin | 4.3366% | 390 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 3.5672% | 463 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2825% | 1,494 |
| Return on assets (ROA) | 1.2825% | 1,449 |
| Pretax return on assets | 1.2825% | 2,151 |
| Return on Equity (ROE) | 13.6900% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.4821% | 783 |
| Net charge-offs to loans | 0.0693% | 952 |
| Credit loss provision to net charge-offs | 108.5271% | 1,513 |
| Earnings coverage of net charge-offs (x) | 29.9070% | 1,686 |
| Efficiency ratio | 72.8291% | 1,349 |
| Assets per employee ($millions) | 3.4834% | 4,440 |
| Cash dividends to net income (ytd only)* | 16.1377% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 3,093 |
| Loan loss allowance to noncurrent loans | 246.0510% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 1,762 |
| Noncurrent loans to loans | 0.4293% | 1,639 |
| Net loans and leases to total assets | 64.0600% | 2,239 |
| Net loans and leases to deposits | 71.3921% | 2,459 |
| Net loans and leases to core deposits | 75.6586% | 2,448 |
| Total domestic deposits to total assets | 89.7300% | 1,474 |
| Equity capital to assets | 9.6486% | 1,920 |
| Core capital (leverage) ratio | 9.5391% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $289,891,600 | 2,498 |
| Average earning assets | $268,392,400 | 2,499 |
| Average equity | $27,155,200 | 2,471 |
| Average total loans | $186,050,400 | 2,332 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 597 |
| Cost of funding earning assets | 0.1997% | 3,278 |
| Net interest margin | 4.1903% | 430 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 3.4939% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2841% | 1,412 |
| Return on assets (ROA) | 1.2841% | 1,381 |
| Pretax return on assets | 1.2841% | 2,096 |
| Return on Equity (ROE) | 13.8100% | 1,481 |
| Retained earnings to average equity (ytd only) | 13.8145% | 490 |
| Net charge-offs to loans | 0.1054% | 587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 19.0205% | 1,738 |
| Efficiency ratio | 73.1249% | 1,374 |
| Assets per employee ($millions) | 3.5417% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 3,513 |
| Loan loss allowance to noncurrent loans | 174.1604% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 1,481 |
| Noncurrent loans to loans | 0.5707% | 1,405 |
| Net loans and leases to total assets | 63.2600% | 2,162 |
| Net loans and leases to deposits | 70.4164% | 2,328 |
| Net loans and leases to core deposits | 74.0066% | 2,349 |
| Total domestic deposits to total assets | 89.8400% | 1,729 |
| Equity capital to assets | 9.6023% | 1,826 |
| Core capital (leverage) ratio | 9.5665% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $288,343,250 | 2,528 |
| Average earning assets | $267,053,500 | 2,529 |
| Average equity | $26,802,000 | 2,526 |
| Average total loans | $184,637,750 | 2,348 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 526 |
| Cost of funding earning assets | 0.1982% | 2,936 |
| Net interest margin | 4.1039% | 392 |
| Noninterest income to average assets | 0.8901% | 864 |
| Noninterest expense to average assets | 3.4279% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2651% | 1,242 |
| Return on assets (ROA) | 1.2651% | 1,221 |
| Pretax return on assets | 1.2651% | 1,853 |
| Return on Equity (ROE) | 13.7653% | 1,174 |
| Retained earnings to average equity (ytd only) | 13.7653% | 388 |
| Net charge-offs to loans | 0.0229% | 1,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 86.2857% | 892 |
| Efficiency ratio | 73.0437% | 1,620 |
| Assets per employee ($millions) | 3.5217% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,263 |
| Loan loss allowance to noncurrent loans | 186.5169% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 1,498 |
| Noncurrent loans to loans | 0.5761% | 1,464 |
| Net loans and leases to total assets | 62.7421% | 2,041 |
| Net loans and leases to deposits | 69.5977% | 2,253 |
| Net loans and leases to core deposits | 73.2235% | 2,226 |
| Total domestic deposits to total assets | 90.1498% | 1,649 |
| Equity capital to assets | 9.3271% | 2,142 |
| Core capital (leverage) ratio | 9.4212% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,470,333 | 2,553 |
| Average earning assets | $265,455,000 | 2,569 |
| Average equity | $26,327,000 | 2,621 |
| Average total loans | $183,571,667 | 2,361 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 471 |
| Cost of funding earning assets | 0.2124% | 2,633 |
| Net interest margin | 4.0497% | 376 |
| Noninterest income to average assets | 0.8619% | 909 |
| Noninterest expense to average assets | 3.4730% | 430 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1539% | 1,368 |
| Return on assets (ROA) | 1.1539% | 1,366 |
| Pretax return on assets | 1.1539% | 1,967 |
| Return on Equity (ROE) | 12.6532% | 1,118 |
| Retained earnings to average equity (ytd only) | 12.6532% | 509 |
| Net charge-offs to loans | -0.0394% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0610% | 1,626 |
| Assets per employee ($millions) | 3.1177% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 3,255 |
| Loan loss allowance to noncurrent loans | 156.3077% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 1,309 |
| Noncurrent loans to loans | 0.7147% | 1,326 |
| Net loans and leases to total assets | 62.7030% | 1,779 |
| Net loans and leases to deposits | 69.4186% | 2,019 |
| Net loans and leases to core deposits | 73.0226% | 2,017 |
| Total domestic deposits to total assets | 90.3260% | 1,370 |
| Equity capital to assets | 9.1580% | 2,564 |
| Core capital (leverage) ratio | 9.2978% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,556,500 | 2,587 |
| Average earning assets | $263,624,000 | 2,592 |
| Average equity | $25,859,000 | 2,721 |
| Average total loans | $182,664,500 | 2,357 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6579% | 453 |
| Cost of funding earning assets | 0.2463% | 2,971 |
| Net interest margin | 4.4116% | 321 |
| Noninterest income to average assets | 0.8929% | 1,223 |
| Noninterest expense to average assets | 3.7387% | 374 |
| Loan and lease loss provision to assets | 0.1238% | 988 |
| Net operating income to assets | 1.0575% | 2,452 |
| Return on assets (ROA) | 1.0575% | 2,524 |
| Pretax return on assets | 1.0575% | 3,113 |
| Return on Equity (ROE) | 11.3822% | 2,027 |
| Retained earnings to average equity (ytd only) | 11.3822% | 637 |
| Net charge-offs to loans | 0.0858% | 948 |
| Credit loss provision to net charge-offs | 222.6027% | 1,241 |
| Earnings coverage of net charge-offs (x) | 21.2329% | 1,827 |
| Efficiency ratio | 75.9895% | 1,107 |
| Assets per employee ($millions) | 3.0466% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,365 |
| Loan loss allowance to noncurrent loans | 136.9137% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 1,233 |
| Noncurrent loans to loans | 0.8019% | 1,275 |
| Net loans and leases to total assets | 64.7317% | 1,619 |
| Net loans and leases to deposits | 71.8076% | 1,926 |
| Net loans and leases to core deposits | 75.4746% | 1,959 |
| Total domestic deposits to total assets | 90.1460% | 889 |
| Equity capital to assets | 9.0801% | 3,536 |
| Core capital (leverage) ratio | 9.0895% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,414,800 | 2,648 |
| Average earning assets | $239,548,000 | 2,681 |
| Average equity | $24,380,200 | 2,890 |
| Average total loans | $170,249,800 | 2,462 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 387 |
| Cost of funding earning assets | 0.2601% | 3,015 |
| Net interest margin | 4.5742% | 279 |
| Noninterest income to average assets | 0.9030% | 1,249 |
| Noninterest expense to average assets | 3.6389% | 391 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4085% | 1,513 |
| Return on assets (ROA) | 1.4085% | 1,570 |
| Pretax return on assets | 1.4085% | 2,301 |
| Return on Equity (ROE) | 15.0677% | 1,126 |
| Retained earnings to average equity (ytd only) | 15.0677% | 390 |
| Net charge-offs to loans | 0.0902% | 800 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 24.1150% | 1,648 |
| Efficiency ratio | 72.0942% | 1,395 |
| Assets per employee ($millions) | 3.0514% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,838 |
| Loan loss allowance to noncurrent loans | 118.9227% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 1,379 |
| Noncurrent loans to loans | 0.8420% | 1,357 |
| Net loans and leases to total assets | 62.6901% | 1,926 |
| Net loans and leases to deposits | 69.6652% | 2,275 |
| Net loans and leases to core deposits | 73.2661% | 2,298 |
| Total domestic deposits to total assets | 89.9876% | 777 |
| Equity capital to assets | 9.3529% | 3,507 |
| Core capital (leverage) ratio | 9.4222% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,947,750 | 2,696 |
| Average earning assets | $233,709,750 | 2,744 |
| Average equity | $24,112,750 | 2,933 |
| Average total loans | $166,950,750 | 2,531 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1468% | 274 |
| Cost of funding earning assets | 0.2777% | 3,012 |
| Net interest margin | 4.8690% | 201 |
| Noninterest income to average assets | 0.9084% | 1,251 |
| Noninterest expense to average assets | 3.6384% | 391 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6566% | 940 |
| Return on assets (ROA) | 1.6566% | 993 |
| Pretax return on assets | 1.6566% | 1,593 |
| Return on Equity (ROE) | 17.7253% | 685 |
| Retained earnings to average equity (ytd only) | 17.7253% | 234 |
| Net charge-offs to loans | 0.0859% | 822 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 29.5634% | 1,316 |
| Efficiency ratio | 68.7137% | 1,792 |
| Assets per employee ($millions) | 2.8728% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 3,576 |
| Loan loss allowance to noncurrent loans | 118.2306% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 1,403 |
| Noncurrent loans to loans | 0.8987% | 1,379 |
| Net loans and leases to total assets | 62.8285% | 2,079 |
| Net loans and leases to deposits | 69.9677% | 2,412 |
| Net loans and leases to core deposits | 73.8338% | 2,424 |
| Total domestic deposits to total assets | 89.7965% | 872 |
| Equity capital to assets | 9.4767% | 3,355 |
| Core capital (leverage) ratio | 9.5103% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,405,667 | 2,718 |
| Average earning assets | $228,299,333 | 2,772 |
| Average equity | $23,683,667 | 2,962 |
| Average total loans | $165,277,000 | 2,552 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9714% | 375 |
| Cost of funding earning assets | 0.3062% | 2,924 |
| Net interest margin | 4.6652% | 279 |
| Noninterest income to average assets | 0.9383% | 1,240 |
| Noninterest expense to average assets | 3.6055% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4868% | 1,357 |
| Return on assets (ROA) | 1.4868% | 1,421 |
| Pretax return on assets | 1.4868% | 2,035 |
| Return on Equity (ROE) | 16.0252% | 1,009 |
| Retained earnings to average equity (ytd only) | 16.0252% | 518 |
| Net charge-offs to loans | 0.1116% | 629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 20.1522% | 1,252 |
| Efficiency ratio | 70.8031% | 1,622 |
| Assets per employee ($millions) | 2.9176% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,533 |
| Loan loss allowance to noncurrent loans | 99.6102% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 1,275 |
| Noncurrent loans to loans | 1.0812% | 1,236 |
| Net loans and leases to total assets | 65.4886% | 1,867 |
| Net loans and leases to deposits | 72.9235% | 2,221 |
| Net loans and leases to core deposits | 77.1253% | 2,257 |
| Total domestic deposits to total assets | 89.8045% | 912 |
| Equity capital to assets | 9.4064% | 3,287 |
| Core capital (leverage) ratio | 9.6960% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,398,000 | 2,728 |
| Average earning assets | $222,070,000 | 2,799 |
| Average equity | $23,138,500 | 2,980 |
| Average total loans | $164,910,000 | 2,550 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5473% | 173 |
| Cost of funding earning assets | 0.4307% | 3,402 |
| Net interest margin | 5.1165% | 104 |
| Noninterest income to average assets | 0.9196% | 1,220 |
| Noninterest expense to average assets | 4.2398% | 301 |
| Loan and lease loss provision to assets | 0.1357% | 2,666 |
| Net operating income to assets | 1.0897% | 1,961 |
| Return on assets (ROA) | 1.0897% | 2,083 |
| Pretax return on assets | 1.0897% | 2,738 |
| Return on Equity (ROE) | 10.3912% | 1,851 |
| Retained earnings to average equity (ytd only) | 0.3106% | 4,423 |
| Net charge-offs to loans | 0.1392% | 1,160 |
| Credit loss provision to net charge-offs | 132.1586% | 2,538 |
| Earnings coverage of net charge-offs (x) | 11.9339% | 2,368 |
| Efficiency ratio | 77.5782% | 1,071 |
| Assets per employee ($millions) | 2.8168% | 4,853 |
| Cash dividends to net income (ytd only)* | 97.0112% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 3,358 |
| Loan loss allowance to noncurrent loans | 89.6872% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.9057% | 1,092 |
| Noncurrent loans to loans | 1.2498% | 1,098 |
| Net loans and leases to total assets | 65.3037% | 2,184 |
| Net loans and leases to deposits | 72.5605% | 2,634 |
| Net loans and leases to core deposits | 76.7763% | 2,652 |
| Total domestic deposits to total assets | 89.9989% | 568 |
| Equity capital to assets | 9.1475% | 3,935 |
| Core capital (leverage) ratio | 9.6740% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,072,600 | 2,788 |
| Average earning assets | $196,402,600 | 2,864 |
| Average equity | $23,183,000 | 2,925 |
| Average total loans | $163,052,600 | 2,546 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7973% | 140 |
| Cost of funding earning assets | 0.4558% | 3,495 |
| Net interest margin | 5.3415% | 91 |
| Noninterest income to average assets | 0.9186% | 1,174 |
| Noninterest expense to average assets | 4.3332% | 286 |
| Loan and lease loss provision to assets | 0.0620% | 3,567 |
| Net operating income to assets | 1.2906% | 1,379 |
| Return on assets (ROA) | 1.2906% | 1,482 |
| Pretax return on assets | 1.2906% | 2,095 |
| Return on Equity (ROE) | 11.8687% | 1,410 |
| Retained earnings to average equity (ytd only) | 8.6084% | 1,107 |
| Net charge-offs to loans | 0.1498% | 977 |
| Credit loss provision to net charge-offs | 54.6448% | 2,872 |
| Earnings coverage of net charge-offs (x) | 11.8852% | 2,278 |
| Efficiency ratio | 76.2087% | 1,192 |
| Assets per employee ($millions) | 2.4532% | 4,925 |
| Cash dividends to net income (ytd only)* | 27.4699% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,584 |
| Loan loss allowance to noncurrent loans | 96.8245% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 1,339 |
| Noncurrent loans to loans | 1.0596% | 1,410 |
| Net loans and leases to total assets | 72.4657% | 1,598 |
| Net loans and leases to deposits | 81.9638% | 2,103 |
| Net loans and leases to core deposits | 87.1380% | 2,223 |
| Total domestic deposits to total assets | 88.4118% | 1,008 |
| Equity capital to assets | 10.7989% | 2,546 |
| Core capital (leverage) ratio | 10.7636% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,370,250 | 2,818 |
| Average earning assets | $191,326,000 | 2,878 |
| Average equity | $23,310,000 | 2,918 |
| Average total loans | $162,888,000 | 2,551 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7689% | 200 |
| Cost of funding earning assets | 0.4742% | 3,682 |
| Net interest margin | 5.2948% | 118 |
| Noninterest income to average assets | 0.9072% | 1,151 |
| Noninterest expense to average assets | 4.3678% | 286 |
| Loan and lease loss provision to assets | 0.0946% | 3,089 |
| Net operating income to assets | 1.1352% | 1,860 |
| Return on assets (ROA) | 1.1352% | 1,977 |
| Pretax return on assets | 1.1352% | 2,596 |
| Return on Equity (ROE) | 10.4149% | 1,845 |
| Retained earnings to average equity (ytd only) | 5.4678% | 2,285 |
| Net charge-offs to loans | 0.0701% | 1,551 |
| Credit loss provision to net charge-offs | 175.4386% | 2,012 |
| Earnings coverage of net charge-offs (x) | 22.8070% | 1,618 |
| Efficiency ratio | 78.0294% | 1,052 |
| Assets per employee ($millions) | 2.3863% | 4,964 |
| Cash dividends to net income (ytd only)* | 47.5000% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 3,032 |
| Loan loss allowance to noncurrent loans | 77.5914% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 1,078 |
| Noncurrent loans to loans | 1.4222% | 1,087 |
| Net loans and leases to total assets | 74.4526% | 1,347 |
| Net loans and leases to deposits | 84.1723% | 1,985 |
| Net loans and leases to core deposits | 89.1167% | 2,151 |
| Total domestic deposits to total assets | 88.4526% | 966 |
| Equity capital to assets | 10.6992% | 2,573 |
| Core capital (leverage) ratio | 10.9066% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,412,000 | 2,816 |
| Average earning assets | $187,279,333 | 2,895 |
| Average equity | $23,044,000 | 2,928 |
| Average total loans | $162,699,667 | 2,543 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9847% | 168 |
| Cost of funding earning assets | 0.5020% | 3,936 |
| Net interest margin | 5.4827% | 92 |
| Noninterest income to average assets | 0.9629% | 928 |
| Noninterest expense to average assets | 4.4308% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3292% | 1,161 |
| Return on assets (ROA) | 1.3292% | 1,255 |
| Pretax return on assets | 1.3292% | 1,787 |
| Return on Equity (ROE) | 12.0790% | 1,081 |
| Retained earnings to average equity (ytd only) | 12.0790% | 418 |
| Net charge-offs to loans | 0.0764% | 1,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 22.3548% | 1,361 |
| Efficiency ratio | 76.9231% | 1,460 |
| Assets per employee ($millions) | 2.3284% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 3,438 |
| Loan loss allowance to noncurrent loans | 69.8990% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.1554% | 1,104 |
| Noncurrent loans to loans | 1.5057% | 1,061 |
| Net loans and leases to total assets | 75.9269% | 1,318 |
| Net loans and leases to deposits | 86.0511% | 1,995 |
| Net loans and leases to core deposits | 91.0183% | 2,247 |
| Total domestic deposits to total assets | 88.2347% | 1,002 |
| Equity capital to assets | 10.8746% | 2,967 |
| Core capital (leverage) ratio | 11.7266% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,539,500 | 2,802 |
| Average earning assets | $182,466,500 | 2,897 |
| Average equity | $22,949,000 | 2,928 |
| Average total loans | $162,308,000 | 2,523 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2205% | 161 |
| Cost of funding earning assets | 0.5789% | 3,725 |
| Net interest margin | 5.6416% | 93 |
| Noninterest income to average assets | 0.9905% | 987 |
| Noninterest expense to average assets | 4.5791% | 285 |
| Loan and lease loss provision to assets | 0.1126% | 1,863 |
| Net operating income to assets | 1.3914% | 1,369 |
| Return on assets (ROA) | 1.3914% | 1,442 |
| Pretax return on assets | 1.3914% | 2,192 |
| Return on Equity (ROE) | 12.3461% | 1,384 |
| Retained earnings to average equity (ytd only) | 3.4862% | 3,267 |
| Net charge-offs to loans | 0.0942% | 1,788 |
| Credit loss provision to net charge-offs | 148.0263% | 1,740 |
| Earnings coverage of net charge-offs (x) | 19.7697% | 1,977 |
| Efficiency ratio | 75.2263% | 1,459 |
| Assets per employee ($millions) | 2.2293% | 5,058 |
| Cash dividends to net income (ytd only)* | 71.7626% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 2,963 |
| Loan loss allowance to noncurrent loans | 72.7686% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.1929% | 985 |
| Noncurrent loans to loans | 1.5102% | 951 |
| Net loans and leases to total assets | 78.1204% | 1,064 |
| Net loans and leases to deposits | 88.8794% | 1,716 |
| Net loans and leases to core deposits | 94.3103% | 2,029 |
| Total domestic deposits to total assets | 87.8949% | 1,178 |
| Equity capital to assets | 11.1419% | 2,870 |
| Core capital (leverage) ratio | 11.1858% | 2,350 |
| Tier 1 risk-based capital ratio | 14.6687% | 2,924 |
| Total risk-based capital ratio | 15.8494% | 2,866 |
| Memoranda: | ||
| Average total assets | $199,799,800 | 2,843 |
| Average earning assets | $180,355,800 | 2,883 |
| Average equity | $22,517,200 | 2,914 |
| Average total loans | $161,401,000 | 2,496 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2502% | 160 |
| Cost of funding earning assets | 0.5934% | 3,731 |
| Net interest margin | 5.6568% | 94 |
| Noninterest income to average assets | 0.9733% | 992 |
| Noninterest expense to average assets | 4.5780% | 282 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4979% | 1,190 |
| Return on assets (ROA) | 1.4979% | 1,251 |
| Pretax return on assets | 1.4979% | 1,962 |
| Return on Equity (ROE) | 13.2525% | 1,190 |
| Retained earnings to average equity (ytd only) | 8.1910% | 1,321 |
| Net charge-offs to loans | 0.0544% | 2,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 33.8780% | 1,513 |
| Efficiency ratio | 75.3032% | 1,417 |
| Assets per employee ($millions) | 2.1495% | 5,147 |
| Cash dividends to net income (ytd only)* | 38.1932% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 3,538 |
| Loan loss allowance to noncurrent loans | 66.0692% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.2551% | 985 |
| Noncurrent loans to loans | 1.5218% | 989 |
| Net loans and leases to total assets | 81.6470% | 610 |
| Net loans and leases to deposits | 93.6906% | 1,247 |
| Net loans and leases to core deposits | 99.6786% | 1,683 |
| Total domestic deposits to total assets | 87.1454% | 1,449 |
| Equity capital to assets | 11.8602% | 2,367 |
| Core capital (leverage) ratio | 11.7621% | 2,035 |
| Tier 1 risk-based capital ratio | 15.1130% | 2,797 |
| Total risk-based capital ratio | 16.2176% | 2,793 |
| Memoranda: | ||
| Average total assets | $199,033,500 | 2,871 |
| Average earning assets | $179,531,250 | 2,910 |
| Average equity | $22,495,750 | 2,937 |
| Average total loans | $161,691,250 | 2,520 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1434% | 189 |
| Cost of funding earning assets | 0.5756% | 3,766 |
| Net interest margin | 5.5678% | 112 |
| Noninterest income to average assets | 0.9621% | 943 |
| Noninterest expense to average assets | 4.5180% | 296 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4697% | 1,233 |
| Return on assets (ROA) | 1.4697% | 1,287 |
| Pretax return on assets | 1.4697% | 1,953 |
| Return on Equity (ROE) | 13.2157% | 1,178 |
| Retained earnings to average equity (ytd only) | 5.5343% | 2,498 |
| Net charge-offs to loans | 0.0569% | 1,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 31.9783% | 1,416 |
| Efficiency ratio | 75.4046% | 1,472 |
| Assets per employee ($millions) | 2.0970% | 5,198 |
| Cash dividends to net income (ytd only)* | 58.1237% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 3,554 |
| Loan loss allowance to noncurrent loans | 75.8079% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0989% | 1,236 |
| Noncurrent loans to loans | 1.3344% | 1,168 |
| Net loans and leases to total assets | 81.5123% | 671 |
| Net loans and leases to deposits | 92.9423% | 1,383 |
| Net loans and leases to core deposits | 98.5784% | 1,834 |
| Total domestic deposits to total assets | 87.7021% | 1,242 |
| Equity capital to assets | 11.3812% | 2,722 |
| Core capital (leverage) ratio | 11.2597% | 2,369 |
| Tier 1 risk-based capital ratio | 14.3680% | 3,133 |
| Total risk-based capital ratio | 15.4674% | 3,114 |
| Memoranda: | ||
| Average total assets | $200,177,000 | 2,869 |
| Average earning assets | $180,680,330 | 2,913 |
| Average equity | $22,261,330 | 2,948 |
| Average total loans | $161,813,000 | 2,518 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0240% | 217 |
| Cost of funding earning assets | 0.5588% | 3,789 |
| Net interest margin | 5.4652% | 130 |
| Noninterest income to average assets | 0.8944% | 1,052 |
| Noninterest expense to average assets | 4.4203% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4199% | 1,323 |
| Return on assets (ROA) | 1.4199% | 1,353 |
| Pretax return on assets | 1.4199% | 2,013 |
| Return on Equity (ROE) | 12.9154% | 1,245 |
| Retained earnings to average equity (ytd only) | 12.9154% | 472 |
| Net charge-offs to loans | 0.0619% | 1,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 28.6400% | 1,355 |
| Efficiency ratio | 75.6537% | 1,536 |
| Assets per employee ($millions) | 2.2181% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,523 |
| Loan loss allowance to noncurrent loans | 91.1732% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 1,538 |
| Noncurrent loans to loans | 1.1296% | 1,477 |
| Net loans and leases to total assets | 80.0571% | 823 |
| Net loans and leases to deposits | 91.2373% | 1,488 |
| Net loans and leases to core deposits | 96.6660% | 1,881 |
| Total domestic deposits to total assets | 87.7460% | 1,458 |
| Equity capital to assets | 11.2877% | 2,570 |
| Core capital (leverage) ratio | 11.4276% | 2,190 |
| Tier 1 risk-based capital ratio | 14.6890% | 3,013 |
| Total risk-based capital ratio | 15.8217% | 2,995 |
| Memoranda: | ||
| Average total assets | $201,708,000 | 2,891 |
| Average earning assets | $182,536,000 | 2,925 |
| Average equity | $22,175,000 | 2,960 |
| Average total loans | $161,562,000 | 2,549 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0499% | 155 |
| Cost of funding earning assets | 0.4058% | 3,955 |
| Net interest margin | 5.6441% | 96 |
| Noninterest income to average assets | 1.0156% | 919 |
| Noninterest expense to average assets | 4.5222% | 289 |
| Loan and lease loss provision to assets | 0.1158% | 1,900 |
| Net operating income to assets | 1.4897% | 1,147 |
| Return on assets (ROA) | 1.4897% | 1,134 |
| Pretax return on assets | 1.4897% | 1,812 |
| Return on Equity (ROE) | 13.2086% | 1,266 |
| Retained earnings to average equity (ytd only) | 2.7659% | 4,017 |
| Net charge-offs to loans | 0.1849% | 1,038 |
| Credit loss provision to net charge-offs | 76.5306% | 2,912 |
| Earnings coverage of net charge-offs (x) | 10.6088% | 2,703 |
| Efficiency ratio | 73.7483% | 1,658 |
| Assets per employee ($millions) | 2.1913% | 5,287 |
| Cash dividends to net income (ytd only)* | 79.0601% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 3,423 |
| Loan loss allowance to noncurrent loans | 101.0174% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 1,703 |
| Noncurrent loans to loans | 1.0337% | 1,587 |
| Net loans and leases to total assets | 78.4917% | 1,180 |
| Net loans and leases to deposits | 88.8449% | 1,946 |
| Net loans and leases to core deposits | 93.8115% | 2,239 |
| Total domestic deposits to total assets | 88.3469% | 1,139 |
| Equity capital to assets | 10.7056% | 2,977 |
| Core capital (leverage) ratio | 10.8581% | 2,670 |
| Tier 1 risk-based capital ratio | 14.0359% | 3,274 |
| Total risk-based capital ratio | 15.1707% | 3,247 |
| Memoranda: | ||
| Average total assets | $194,263,000 | 2,921 |
| Average earning assets | $175,952,200 | 2,967 |
| Average equity | $21,910,000 | 2,900 |
| Average total loans | $158,970,800 | 2,540 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0497% | 144 |
| Cost of funding earning assets | 0.3641% | 4,089 |
| Net interest margin | 5.6856% | 93 |
| Noninterest income to average assets | 1.0381% | 886 |
| Noninterest expense to average assets | 4.5499% | 280 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6204% | 927 |
| Return on assets (ROA) | 1.6204% | 927 |
| Pretax return on assets | 1.6204% | 1,512 |
| Return on Equity (ROE) | 14.1760% | 1,071 |
| Retained earnings to average equity (ytd only) | 8.9785% | 1,229 |
| Net charge-offs to loans | 0.0573% | 1,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 34.2958% | 1,488 |
| Efficiency ratio | 73.6937% | 1,641 |
| Assets per employee ($millions) | 2.1458% | 5,360 |
| Cash dividends to net income (ytd only)* | 36.6637% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,442 |
| Loan loss allowance to noncurrent loans | 83.6634% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0345% | 1,406 |
| Noncurrent loans to loans | 1.2601% | 1,339 |
| Net loans and leases to total assets | 81.2261% | 841 |
| Net loans and leases to deposits | 92.8881% | 1,513 |
| Net loans and leases to core deposits | 96.2638% | 2,088 |
| Total domestic deposits to total assets | 87.4451% | 1,520 |
| Equity capital to assets | 11.6187% | 2,162 |
| Core capital (leverage) ratio | 11.6412% | 2,053 |
| Tier 1 risk-based capital ratio | 15.0603% | 2,854 |
| Total risk-based capital ratio | 16.2355% | 2,810 |
| Memoranda: | ||
| Average total assets | $191,881,000 | 2,973 |
| Average earning assets | $173,204,750 | 3,016 |
| Average equity | $21,933,250 | 2,919 |
| Average total loans | $158,301,750 | 2,561 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9752% | 146 |
| Cost of funding earning assets | 0.3357% | 4,161 |
| Net interest margin | 5.6395% | 97 |
| Noninterest income to average assets | 1.0495% | 878 |
| Noninterest expense to average assets | 4.5399% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6000% | 918 |
| Return on assets (ROA) | 1.6000% | 925 |
| Pretax return on assets | 1.6000% | 1,502 |
| Return on Equity (ROE) | 14.0764% | 1,060 |
| Retained earnings to average equity (ytd only) | 6.1896% | 2,462 |
| Net charge-offs to loans | 0.0457% | 1,958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 42.3889% | 1,251 |
| Efficiency ratio | 73.8900% | 1,723 |
| Assets per employee ($millions) | 2.0551% | 5,436 |
| Cash dividends to net income (ytd only)* | 56.0288% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,335 |
| Loan loss allowance to noncurrent loans | 70.9106% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2564% | 1,133 |
| Noncurrent loans to loans | 1.5340% | 1,087 |
| Net loans and leases to total assets | 81.0122% | 856 |
| Net loans and leases to deposits | 92.3052% | 1,549 |
| Net loans and leases to core deposits | 92.8931% | 2,319 |
| Total domestic deposits to total assets | 87.7656% | 1,495 |
| Equity capital to assets | 11.3280% | 2,335 |
| Core capital (leverage) ratio | 11.3242% | 2,233 |
| Tier 1 risk-based capital ratio | 14.6992% | 3,019 |
| Total risk-based capital ratio | 15.9100% | 2,962 |
| Memoranda: | ||
| Average total assets | $190,751,000 | 2,996 |
| Average earning assets | $172,178,000 | 3,045 |
| Average equity | $21,681,670 | 2,952 |
| Average total loans | $157,635,330 | 2,575 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9253% | 156 |
| Cost of funding earning assets | 0.3252% | 4,166 |
| Net interest margin | 5.6002% | 97 |
| Noninterest income to average assets | 0.9877% | 935 |
| Noninterest expense to average assets | 4.4783% | 301 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5617% | 931 |
| Return on assets (ROA) | 1.5617% | 942 |
| Pretax return on assets | 1.5617% | 1,492 |
| Return on Equity (ROE) | 13.7158% | 1,080 |
| Retained earnings to average equity (ytd only) | 13.7158% | 431 |
| Net charge-offs to loans | -0.0025% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1090% | 1,888 |
| Assets per employee ($millions) | 2.1692% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 3,264 |
| Loan loss allowance to noncurrent loans | 68.6719% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3411% | 1,100 |
| Noncurrent loans to loans | 1.6317% | 1,065 |
| Net loans and leases to total assets | 81.2693% | 752 |
| Net loans and leases to deposits | 92.8746% | 1,347 |
| Net loans and leases to core deposits | 98.2757% | 1,818 |
| Total domestic deposits to total assets | 87.5043% | 1,897 |
| Equity capital to assets | 11.4993% | 2,135 |
| Core capital (leverage) ratio | 11.6229% | 1,915 |
| Tier 1 risk-based capital ratio | 14.9011% | 2,920 |
| Total risk-based capital ratio | 16.1501% | 2,849 |
| Memoranda: | ||
| Average total assets | $189,538,000 | 3,040 |
| Average earning assets | $170,994,500 | 3,084 |
| Average equity | $21,581,000 | 2,991 |
| Average total loans | $157,344,000 | 2,600 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7579% | 177 |
| Cost of funding earning assets | 0.2997% | 4,150 |
| Net interest margin | 5.4582% | 109 |
| Noninterest income to average assets | 1.0092% | 1,000 |
| Noninterest expense to average assets | 4.4085% | 340 |
| Loan and lease loss provision to assets | 0.0919% | 2,360 |
| Net operating income to assets | 1.4073% | 1,000 |
| Return on assets (ROA) | 1.4073% | 1,017 |
| Pretax return on assets | 1.4073% | 1,962 |
| Return on Equity (ROE) | 12.7727% | 1,003 |
| Retained earnings to average equity (ytd only) | 4.5675% | 2,416 |
| Net charge-offs to loans | 0.0905% | 2,181 |
| Credit loss provision to net charge-offs | 125.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | 20.3857% | 1,966 |
| Efficiency ratio | 74.5865% | 1,813 |
| Assets per employee ($millions) | 2.0910% | 5,556 |
| Cash dividends to net income (ytd only)* | 64.2404% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 3,272 |
| Loan loss allowance to noncurrent loans | 73.5454% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.2695% | 1,149 |
| Noncurrent loans to loans | 1.5140% | 1,121 |
| Net loans and leases to total assets | 82.9169% | 574 |
| Net loans and leases to deposits | 94.4877% | 1,222 |
| Net loans and leases to core deposits | 100.1065% | 1,704 |
| Total domestic deposits to total assets | 87.7541% | 1,626 |
| Equity capital to assets | 11.2713% | 2,386 |
| Core capital (leverage) ratio | 11.0459% | 2,295 |
| Tier 1 risk-based capital ratio | 14.7727% | 2,949 |
| Total risk-based capital ratio | 16.0233% | 2,883 |
| Memoranda: | ||
| Average total assets | $190,358,000 | 3,016 |
| Average earning assets | $170,844,400 | 3,061 |
| Average equity | $20,974,400 | 3,035 |
| Average total loans | $154,720,000 | 2,604 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6962% | 193 |
| Cost of funding earning assets | 0.2926% | 4,204 |
| Net interest margin | 5.4036% | 121 |
| Noninterest income to average assets | 0.9890% | 1,051 |
| Noninterest expense to average assets | 4.3868% | 343 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4388% | 1,010 |
| Return on assets (ROA) | 1.4388% | 1,024 |
| Pretax return on assets | 1.4388% | 1,975 |
| Return on Equity (ROE) | 13.1320% | 1,026 |
| Retained earnings to average equity (ytd only) | 8.5550% | 985 |
| Net charge-offs to loans | 0.0918% | 1,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 19.4339% | 2,002 |
| Efficiency ratio | 75.2548% | 1,699 |
| Assets per employee ($millions) | 2.1527% | 5,607 |
| Cash dividends to net income (ytd only)* | 34.8544% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 3,841 |
| Loan loss allowance to noncurrent loans | 64.5767% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.3218% | 1,215 |
| Noncurrent loans to loans | 1.6105% | 1,136 |
| Net loans and leases to total assets | 81.2203% | 804 |
| Net loans and leases to deposits | 92.6757% | 1,466 |
| Net loans and leases to core deposits | 98.4748% | 1,845 |
| Total domestic deposits to total assets | 87.6393% | 1,554 |
| Equity capital to assets | 11.3984% | 2,470 |
| Core capital (leverage) ratio | 11.3244% | 2,166 |
| Tier 1 risk-based capital ratio | 15.0290% | 2,903 |
| Total risk-based capital ratio | 16.2090% | 2,861 |
| Memoranda: | ||
| Average total assets | $190,901,000 | 3,039 |
| Average earning assets | $170,868,750 | 3,085 |
| Average equity | $20,915,250 | 3,070 |
| Average total loans | $153,951,250 | 2,627 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6132% | 205 |
| Cost of funding earning assets | 0.2919% | 4,163 |
| Net interest margin | 5.3213% | 139 |
| Noninterest income to average assets | 0.9896% | 1,041 |
| Noninterest expense to average assets | 4.3054% | 370 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4473% | 957 |
| Return on assets (ROA) | 1.4473% | 984 |
| Pretax return on assets | 1.4473% | 1,832 |
| Return on Equity (ROE) | 13.3885% | 950 |
| Retained earnings to average equity (ytd only) | 6.4478% | 1,876 |
| Net charge-offs to loans | 0.0352% | 2,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 51.2963% | 1,057 |
| Efficiency ratio | 74.7866% | 1,883 |
| Assets per employee ($millions) | 2.1692% | 5,645 |
| Cash dividends to net income (ytd only)* | 51.8412% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 3,627 |
| Loan loss allowance to noncurrent loans | 66.5489% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.3343% | 1,213 |
| Noncurrent loans to loans | 1.6421% | 1,120 |
| Net loans and leases to total assets | 80.3691% | 891 |
| Net loans and leases to deposits | 91.1936% | 1,583 |
| Net loans and leases to core deposits | 96.8572% | 1,902 |
| Total domestic deposits to total assets | 88.1302% | 1,392 |
| Equity capital to assets | 10.9562% | 2,852 |
| Core capital (leverage) ratio | 10.9033% | 2,503 |
| Tier 1 risk-based capital ratio | 14.8219% | 3,004 |
| Total risk-based capital ratio | 16.0721% | 2,929 |
| Memoranda: | ||
| Average total assets | $191,388,330 | 3,043 |
| Average earning assets | $171,310,670 | 3,091 |
| Average equity | $20,689,330 | 3,089 |
| Average total loans | $153,441,670 | 2,644 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5453% | 214 |
| Cost of funding earning assets | 0.2947% | 4,103 |
| Net interest margin | 5.2506% | 147 |
| Noninterest income to average assets | 0.9414% | 1,129 |
| Noninterest expense to average assets | 4.2559% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3713% | 1,056 |
| Return on assets (ROA) | 1.3713% | 1,094 |
| Pretax return on assets | 1.3713% | 1,980 |
| Return on Equity (ROE) | 12.7715% | 1,046 |
| Retained earnings to average equity (ytd only) | 12.7715% | 397 |
| Net charge-offs to loans | -0.0367% | 5,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5935% | 1,973 |
| Assets per employee ($millions) | 2.2523% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 3,487 |
| Loan loss allowance to noncurrent loans | 72.5146% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 1,408 |
| Noncurrent loans to loans | 1.5662% | 1,253 |
| Net loans and leases to total assets | 78.0182% | 1,134 |
| Net loans and leases to deposits | 88.4264% | 1,740 |
| Net loans and leases to core deposits | 93.8231% | 1,998 |
| Total domestic deposits to total assets | 88.2296% | 1,574 |
| Equity capital to assets | 10.7926% | 2,862 |
| Core capital (leverage) ratio | 10.9299% | 2,439 |
| Tier 1 risk-based capital ratio | 14.9602% | 2,984 |
| Total risk-based capital ratio | 16.2105% | 2,914 |
| Memoranda: | ||
| Average total assets | $191,638,500 | 3,081 |
| Average earning assets | $171,027,000 | 3,122 |
| Average equity | $20,577,000 | 3,114 |
| Average total loans | $152,607,500 | 2,668 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4258% | 279 |
| Cost of funding earning assets | 0.3109% | 3,951 |
| Net interest margin | 5.1149% | 202 |
| Noninterest income to average assets | 0.9415% | 1,290 |
| Noninterest expense to average assets | 4.3817% | 417 |
| Loan and lease loss provision to assets | 0.0687% | 2,985 |
| Net operating income to assets | 1.0657% | 2,058 |
| Return on assets (ROA) | 1.0657% | 2,165 |
| Pretax return on assets | 1.0657% | 3,236 |
| Return on Equity (ROE) | 9.7818% | 2,065 |
| Retained earnings to average equity (ytd only) | 0.3639% | 5,171 |
| Net charge-offs to loans | 0.0890% | 2,426 |
| Credit loss provision to net charge-offs | 98.4848% | 2,635 |
| Earnings coverage of net charge-offs (x) | 16.2576% | 2,131 |
| Efficiency ratio | 79.3771% | 1,498 |
| Assets per employee ($millions) | 2.2841% | 5,743 |
| Cash dividends to net income (ytd only)* | 96.2798% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,545 |
| Loan loss allowance to noncurrent loans | 76.6696% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.1847% | 1,527 |
| Noncurrent loans to loans | 1.4741% | 1,371 |
| Net loans and leases to total assets | 79.4588% | 969 |
| Net loans and leases to deposits | 89.9627% | 1,687 |
| Net loans and leases to core deposits | 95.5691% | 1,961 |
| Total domestic deposits to total assets | 88.3242% | 1,475 |
| Equity capital to assets | 10.6810% | 2,948 |
| Core capital (leverage) ratio | 10.5381% | 2,841 |
| Tier 1 risk-based capital ratio | 14.7388% | 3,079 |
| Total risk-based capital ratio | 15.9896% | 3,020 |
| Memoranda: | ||
| Average total assets | $189,174,800 | 3,067 |
| Average earning assets | $169,192,800 | 3,124 |
| Average equity | $20,609,600 | 3,107 |
| Average total loans | $148,232,200 | 2,666 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3695% | 317 |
| Cost of funding earning assets | 0.3101% | 3,977 |
| Net interest margin | 5.0594% | 225 |
| Noninterest income to average assets | 0.9379% | 1,282 |
| Noninterest expense to average assets | 4.3629% | 427 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1078% | 1,959 |
| Return on assets (ROA) | 1.1078% | 2,067 |
| Pretax return on assets | 1.1078% | 3,201 |
| Return on Equity (ROE) | 10.1190% | 2,005 |
| Retained earnings to average equity (ytd only) | 6.4282% | 1,950 |
| Net charge-offs to loans | 0.0281% | 3,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 50.6801% | 1,061 |
| Efficiency ratio | 79.6984% | 1,471 |
| Assets per employee ($millions) | 2.1989% | 5,830 |
| Cash dividends to net income (ytd only)* | 36.4736% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 3,533 |
| Loan loss allowance to noncurrent loans | 69.4992% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.3338% | 1,416 |
| Noncurrent loans to loans | 1.6564% | 1,285 |
| Net loans and leases to total assets | 77.7780% | 1,237 |
| Net loans and leases to deposits | 88.7063% | 1,929 |
| Net loans and leases to core deposits | 93.5319% | 2,228 |
| Total domestic deposits to total assets | 87.6804% | 1,569 |
| Equity capital to assets | 11.3389% | 2,668 |
| Core capital (leverage) ratio | 11.2377% | 2,242 |
| Tier 1 risk-based capital ratio | 15.8808% | 2,675 |
| Total risk-based capital ratio | 17.1328% | 2,611 |
| Memoranda: | ||
| Average total assets | $189,073,500 | 3,079 |
| Average earning assets | $169,396,000 | 3,133 |
| Average equity | $20,699,750 | 3,123 |
| Average total loans | $147,200,250 | 2,684 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3015% | 363 |
| Cost of funding earning assets | 0.3127% | 3,991 |
| Net interest margin | 4.9888% | 260 |
| Noninterest income to average assets | 0.9473% | 1,245 |
| Noninterest expense to average assets | 4.3046% | 444 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1149% | 1,905 |
| Return on assets (ROA) | 1.1149% | 2,023 |
| Pretax return on assets | 1.1149% | 3,138 |
| Return on Equity (ROE) | 10.3042% | 1,919 |
| Retained earnings to average equity (ytd only) | 4.7236% | 2,912 |
| Net charge-offs to loans | 0.0190% | 3,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 75.5714% | 730 |
| Efficiency ratio | 79.3700% | 1,579 |
| Assets per employee ($millions) | 2.1261% | 5,912 |
| Cash dividends to net income (ytd only)* | 54.1588% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 3,551 |
| Loan loss allowance to noncurrent loans | 65.2672% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.4078% | 1,394 |
| Noncurrent loans to loans | 1.7849% | 1,164 |
| Net loans and leases to total assets | 77.5417% | 1,254 |
| Net loans and leases to deposits | 87.9539% | 2,003 |
| Net loans and leases to core deposits | 92.8833% | 2,273 |
| Total domestic deposits to total assets | 88.1618% | 1,346 |
| Equity capital to assets | 11.0573% | 2,993 |
| Core capital (leverage) ratio | 10.7924% | 2,661 |
| Tier 1 risk-based capital ratio | 15.4046% | 2,899 |
| Total risk-based capital ratio | 16.6556% | 2,832 |
| Memoranda: | ||
| Average total assets | $189,796,330 | 3,090 |
| Average earning assets | $170,141,670 | 3,141 |
| Average equity | $20,535,330 | 3,139 |
| Average total loans | $147,245,670 | 2,685 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2804% | 368 |
| Cost of funding earning assets | 0.3182% | 3,970 |
| Net interest margin | 4.9623% | 271 |
| Noninterest income to average assets | 0.8957% | 1,322 |
| Noninterest expense to average assets | 4.1748% | 502 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1593% | 1,676 |
| Return on assets (ROA) | 1.1593% | 1,791 |
| Pretax return on assets | 1.1593% | 2,858 |
| Return on Equity (ROE) | 10.8314% | 1,667 |
| Retained earnings to average equity (ytd only) | 10.8314% | 684 |
| Net charge-offs to loans | 0.0325% | 2,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 46.1667% | 928 |
| Efficiency ratio | 78.2268% | 1,866 |
| Assets per employee ($millions) | 2.2197% | 5,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 3,631 |
| Loan loss allowance to noncurrent loans | 72.0539% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.2714% | 1,700 |
| Noncurrent loans to loans | 1.6311% | 1,405 |
| Net loans and leases to total assets | 75.4123% | 1,485 |
| Net loans and leases to deposits | 85.3832% | 2,138 |
| Net loans and leases to core deposits | 92.5518% | 2,135 |
| Total domestic deposits to total assets | 88.3222% | 1,454 |
| Equity capital to assets | 10.8627% | 3,094 |
| Core capital (leverage) ratio | 10.7990% | 2,621 |
| Tier 1 risk-based capital ratio | 15.5854% | 2,868 |
| Total risk-based capital ratio | 16.8370% | 2,800 |
| Memoranda: | ||
| Average total assets | $191,145,500 | 3,082 |
| Average earning assets | $170,970,500 | 3,142 |
| Average equity | $20,459,000 | 3,156 |
| Average total loans | $147,474,000 | 2,688 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 243 |
| Cost of funding earning assets | 0.3370% | 3,825 |
| Net interest margin | 5.2378% | 175 |
| Noninterest income to average assets | 0.8501% | 1,607 |
| Noninterest expense to average assets | 4.3416% | 462 |
| Loan and lease loss provision to assets | 0.0267% | 3,855 |
| Net operating income to assets | 1.1688% | 1,674 |
| Return on assets (ROA) | 1.1688% | 1,746 |
| Pretax return on assets | 1.1688% | 2,776 |
| Return on Equity (ROE) | 10.9780% | 1,625 |
| Retained earnings to average equity (ytd only) | 4.4997% | 2,783 |
| Net charge-offs to loans | 0.1408% | 1,938 |
| Credit loss provision to net charge-offs | 22.9358% | 3,723 |
| Earnings coverage of net charge-offs (x) | 10.2569% | 2,707 |
| Efficiency ratio | 78.3507% | 1,914 |
| Assets per employee ($millions) | 2.2256% | 5,991 |
| Cash dividends to net income (ytd only)* | 59.0119% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 3,731 |
| Loan loss allowance to noncurrent loans | 87.7291% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.1411% | 1,919 |
| Noncurrent loans to loans | 1.3156% | 1,793 |
| Net loans and leases to total assets | 77.0939% | 1,241 |
| Net loans and leases to deposits | 87.0784% | 1,989 |
| Net loans and leases to core deposits | 94.4722% | 2,004 |
| Total domestic deposits to total assets | 88.5339% | 1,360 |
| Equity capital to assets | 10.5445% | 3,306 |
| Core capital (leverage) ratio | 10.3780% | 3,077 |
| Tier 1 risk-based capital ratio | 14.7244% | 3,317 |
| Total risk-based capital ratio | 15.9751% | 3,251 |
| Memoranda: | ||
| Average total assets | $187,028,000 | 3,093 |
| Average earning assets | $167,361,400 | 3,159 |
| Average equity | $19,912,600 | 3,181 |
| Average total loans | $154,794,000 | 2,531 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5971% | 228 |
| Cost of funding earning assets | 0.3392% | 3,867 |
| Net interest margin | 5.2579% | 173 |
| Noninterest income to average assets | 0.8361% | 1,665 |
| Noninterest expense to average assets | 4.3355% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2133% | 1,604 |
| Return on assets (ROA) | 1.2133% | 1,670 |
| Pretax return on assets | 1.2133% | 2,764 |
| Return on Equity (ROE) | 11.3677% | 1,583 |
| Retained earnings to average equity (ytd only) | 7.5180% | 1,439 |
| Net charge-offs to loans | 0.1673% | 1,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 8.6325% | 2,785 |
| Efficiency ratio | 78.0822% | 1,930 |
| Assets per employee ($millions) | 2.1486% | 6,099 |
| Cash dividends to net income (ytd only)* | 33.8653% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 4,240 |
| Loan loss allowance to noncurrent loans | 88.1894% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.1592% | 2,048 |
| Noncurrent loans to loans | 1.2447% | 2,048 |
| Net loans and leases to total assets | 82.6502% | 508 |
| Net loans and leases to deposits | 93.9134% | 1,214 |
| Net loans and leases to core deposits | 101.0440% | 1,441 |
| Total domestic deposits to total assets | 88.0068% | 1,548 |
| Equity capital to assets | 11.0450% | 2,965 |
| Core capital (leverage) ratio | 10.9425% | 2,555 |
| Tier 1 risk-based capital ratio | 14.5739% | 3,514 |
| Total risk-based capital ratio | 15.8244% | 3,439 |
| Memoranda: | ||
| Average total assets | $185,935,250 | 3,127 |
| Average earning assets | $166,653,750 | 3,194 |
| Average equity | $19,845,250 | 3,217 |
| Average total loans | $156,172,500 | 2,529 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5810% | 235 |
| Cost of funding earning assets | 0.3469% | 3,848 |
| Net interest margin | 5.2342% | 177 |
| Noninterest income to average assets | 0.7986% | 1,785 |
| Noninterest expense to average assets | 4.2711% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2087% | 1,570 |
| Return on assets (ROA) | 1.2087% | 1,649 |
| Pretax return on assets | 1.2087% | 2,738 |
| Return on Equity (ROE) | 11.4563% | 1,536 |
| Retained earnings to average equity (ytd only) | 5.6264% | 2,449 |
| Net charge-offs to loans | 0.2450% | 1,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.8646% | 2,870 |
| Efficiency ratio | 77.8844% | 2,089 |
| Assets per employee ($millions) | 2.1282% | 6,187 |
| Cash dividends to net income (ytd only)* | 50.8881% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 4,319 |
| Loan loss allowance to noncurrent loans | 118.5625% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.9037% | 2,727 |
| Noncurrent loans to loans | 0.9281% | 2,809 |
| Net loans and leases to total assets | 83.4286% | 422 |
| Net loans and leases to deposits | 94.5486% | 1,097 |
| Net loans and leases to core deposits | 101.5941% | 1,357 |
| Total domestic deposits to total assets | 88.2388% | 1,523 |
| Equity capital to assets | 10.8405% | 3,064 |
| Core capital (leverage) ratio | 10.5700% | 2,873 |
| Tier 1 risk-based capital ratio | 14.2215% | 3,805 |
| Total risk-based capital ratio | 15.4713% | 3,734 |
| Memoranda: | ||
| Average total assets | $186,320,330 | 3,142 |
| Average earning assets | $166,636,000 | 3,212 |
| Average equity | $19,657,330 | 3,249 |
| Average total loans | $156,758,000 | 2,530 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5042% | 256 |
| Cost of funding earning assets | 0.3628% | 3,718 |
| Net interest margin | 5.1413% | 190 |
| Noninterest income to average assets | 0.7852% | 1,764 |
| Noninterest expense to average assets | 4.1965% | 557 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1725% | 1,625 |
| Return on assets (ROA) | 1.1725% | 1,730 |
| Pretax return on assets | 1.1725% | 2,769 |
| Return on Equity (ROE) | 11.2647% | 1,564 |
| Retained earnings to average equity (ytd only) | 11.2647% | 679 |
| Net charge-offs to loans | 0.0177% | 2,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 78.7143% | 602 |
| Efficiency ratio | 78.1213% | 2,167 |
| Assets per employee ($millions) | 2.1225% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 3,995 |
| Loan loss allowance to noncurrent loans | 83.9947% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.4937% | 1,759 |
| Noncurrent loans to loans | 1.4264% | 2,007 |
| Net loans and leases to total assets | 83.1805% | 364 |
| Net loans and leases to deposits | 94.0410% | 980 |
| Net loans and leases to core deposits | 100.8746% | 1,262 |
| Total domestic deposits to total assets | 88.4513% | 1,570 |
| Equity capital to assets | 10.6230% | 3,397 |
| Core capital (leverage) ratio | 10.5138% | 2,942 |
| Tier 1 risk-based capital ratio | 13.9224% | 4,073 |
| Total risk-based capital ratio | 15.1737% | 3,993 |
| Memoranda: | ||
| Average total assets | $187,967,500 | 3,142 |
| Average earning assets | $167,582,500 | 3,213 |
| Average equity | $19,565,500 | 3,280 |
| Average total loans | $157,939,500 | 2,513 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7753% | 203 |
| Cost of funding earning assets | 0.3784% | 3,929 |
| Net interest margin | 5.3969% | 159 |
| Noninterest income to average assets | 0.8293% | 1,756 |
| Noninterest expense to average assets | 4.4587% | 480 |
| Loan and lease loss provision to assets | 0.1993% | 1,276 |
| Net operating income to assets | 0.9914% | 2,423 |
| Return on assets (ROA) | 0.9914% | 2,500 |
| Pretax return on assets | 0.9914% | 3,532 |
| Return on Equity (ROE) | 9.4921% | 2,346 |
| Retained earnings to average equity (ytd only) | 3.4968% | 3,725 |
| Net charge-offs to loans | 0.0623% | 3,601 |
| Credit loss provision to net charge-offs | 372.4490% | 703 |
| Earnings coverage of net charge-offs (x) | 22.2551% | 1,633 |
| Efficiency ratio | 78.8655% | 2,083 |
| Assets per employee ($millions) | 2.1742% | 6,322 |
| Cash dividends to net income (ytd only)* | 63.1608% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 4,049 |
| Loan loss allowance to noncurrent loans | 72.7588% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.6949% | 1,576 |
| Noncurrent loans to loans | 1.6384% | 1,790 |
| Net loans and leases to total assets | 82.8630% | 444 |
| Net loans and leases to deposits | 93.8775% | 1,083 |
| Net loans and leases to core deposits | 102.6411% | 1,197 |
| Total domestic deposits to total assets | 88.2671% | 1,629 |
| Equity capital to assets | 10.1976% | 3,854 |
| Core capital (leverage) ratio | 10.1699% | 3,346 |
| Tier 1 risk-based capital ratio | 13.4177% | 4,457 |
| Total risk-based capital ratio | 14.6696% | 4,398 |
| Memoranda: | ||
| Average total assets | $183,171,000 | 3,174 |
| Average earning assets | $163,592,400 | 3,234 |
| Average equity | $19,131,600 | 3,268 |
| Average total loans | $157,377,800 | 2,463 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7983% | 196 |
| Cost of funding earning assets | 0.3847% | 3,961 |
| Net interest margin | 5.4136% | 154 |
| Noninterest income to average assets | 0.8161% | 1,830 |
| Noninterest expense to average assets | 4.4877% | 463 |
| Loan and lease loss provision to assets | 0.0734% | 2,873 |
| Net operating income to assets | 1.0986% | 2,039 |
| Return on assets (ROA) | 1.0986% | 2,105 |
| Pretax return on assets | 1.0986% | 3,192 |
| Return on Equity (ROE) | 10.4542% | 2,022 |
| Retained earnings to average equity (ytd only) | 6.4527% | 2,129 |
| Net charge-offs to loans | 0.0713% | 3,180 |
| Credit loss provision to net charge-offs | 119.0476% | 1,925 |
| Earnings coverage of net charge-offs (x) | 19.0114% | 1,807 |
| Efficiency ratio | 79.2401% | 2,018 |
| Assets per employee ($millions) | 2.0990% | 6,422 |
| Cash dividends to net income (ytd only)* | 38.2765% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 5,028 |
| Loan loss allowance to noncurrent loans | 55.5179% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 1.9735% | 1,465 |
| Noncurrent loans to loans | 1.8751% | 1,704 |
| Net loans and leases to total assets | 85.3677% | 234 |
| Net loans and leases to deposits | 97.3942% | 770 |
| Net loans and leases to core deposits | 106.8601% | 909 |
| Total domestic deposits to total assets | 87.6518% | 1,953 |
| Equity capital to assets | 10.7022% | 3,299 |
| Core capital (leverage) ratio | 10.4778% | 3,068 |
| Tier 1 risk-based capital ratio | 13.7594% | 4,383 |
| Total risk-based capital ratio | 14.9478% | 4,354 |
| Memoranda: | ||
| Average total assets | $181,675,750 | 3,219 |
| Average earning assets | $162,550,750 | 3,276 |
| Average equity | $19,092,250 | 3,288 |
| Average total loans | $157,065,250 | 2,475 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7360% | 206 |
| Cost of funding earning assets | 0.3941% | 3,929 |
| Net interest margin | 5.3419% | 158 |
| Noninterest income to average assets | 0.8149% | 1,784 |
| Noninterest expense to average assets | 4.4309% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1678% | 1,696 |
| Return on assets (ROA) | 1.1678% | 1,764 |
| Pretax return on assets | 1.1678% | 2,808 |
| Return on Equity (ROE) | 11.1817% | 1,680 |
| Retained earnings to average equity (ytd only) | 5.1315% | 2,879 |
| Net charge-offs to loans | 0.0255% | 3,689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 52.9500% | 881 |
| Efficiency ratio | 79.0821% | 2,156 |
| Assets per employee ($millions) | 1.9977% | 6,509 |
| Cash dividends to net income (ytd only)* | 54.1076% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 5,295 |
| Loan loss allowance to noncurrent loans | 58.6472% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 1.7741% | 1,829 |
| Noncurrent loans to loans | 1.7262% | 2,000 |
| Net loans and leases to total assets | 84.4200% | 270 |
| Net loans and leases to deposits | 98.0440% | 661 |
| Net loans and leases to core deposits | 106.6976% | 857 |
| Total domestic deposits to total assets | 86.1042% | 2,992 |
| Equity capital to assets | 10.2851% | 3,714 |
| Core capital (leverage) ratio | 10.1485% | 3,418 |
| Tier 1 risk-based capital ratio | 13.3906% | 4,652 |
| Total risk-based capital ratio | 14.5486% | 4,658 |
| Memoranda: | ||
| Average total assets | $181,362,000 | 3,235 |
| Average earning assets | $162,413,670 | 3,291 |
| Average equity | $18,941,670 | 3,295 |
| Average total loans | $156,908,330 | 2,486 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7017% | 222 |
| Cost of funding earning assets | 0.4131% | 3,831 |
| Net interest margin | 5.2886% | 162 |
| Noninterest income to average assets | 0.8574% | 1,528 |
| Noninterest expense to average assets | 4.5503% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0516% | 2,003 |
| Return on assets (ROA) | 1.0516% | 2,070 |
| Pretax return on assets | 1.0516% | 3,129 |
| Return on Equity (ROE) | 9.9902% | 2,045 |
| Retained earnings to average equity (ytd only) | 9.9902% | 965 |
| Net charge-offs to loans | 0.0154% | 3,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 546 |
| Efficiency ratio | 81.1479% | 2,034 |
| Assets per employee ($millions) | 2.0100% | 6,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 5,431 |
| Loan loss allowance to noncurrent loans | 81.2657% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.4685% | 2,414 |
| Noncurrent loans to loans | 1.2602% | 2,929 |
| Net loans and leases to total assets | 85.4895% | 165 |
| Net loans and leases to deposits | 99.5829% | 460 |
| Net loans and leases to core deposits | 112.7082% | 502 |
| Total domestic deposits to total assets | 85.8476% | 3,436 |
| Equity capital to assets | 10.4391% | 3,310 |
| Core capital (leverage) ratio | 10.4936% | 2,944 |
| Tier 1 risk-based capital ratio | 13.4473% | 4,731 |
| Total risk-based capital ratio | 14.6211% | 4,722 |
| Memoranda: | ||
| Average total assets | $179,151,500 | 3,285 |
| Average earning assets | $160,724,500 | 3,339 |
| Average equity | $18,858,500 | 3,300 |
| Average total loans | $156,141,500 | 2,505 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6375% | 294 |
| Cost of funding earning assets | 0.5019% | 3,591 |
| Net interest margin | 5.1356% | 238 |
| Noninterest income to average assets | 0.8143% | 2,008 |
| Noninterest expense to average assets | 4.6019% | 480 |
| Loan and lease loss provision to assets | 0.1739% | 2,125 |
| Net operating income to assets | 0.6526% | 4,020 |
| Return on assets (ROA) | 0.6526% | 4,121 |
| Pretax return on assets | 0.6526% | 4,693 |
| Return on Equity (ROE) | 5.9274% | 4,128 |
| Retained earnings to average equity (ytd only) | -0.7054% | 6,011 |
| Net charge-offs to loans | 0.2379% | 2,551 |
| Credit loss provision to net charge-offs | 87.2093% | 2,839 |
| Earnings coverage of net charge-offs (x) | 4.1453% | 3,661 |
| Efficiency ratio | 84.7107% | 1,549 |
| Assets per employee ($millions) | 1.9274% | 6,653 |
| Cash dividends to net income (ytd only)* | 111.9005% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 5,333 |
| Loan loss allowance to noncurrent loans | 70.9480% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.6705% | 2,209 |
| Noncurrent loans to loans | 1.4835% | 2,665 |
| Net loans and leases to total assets | 87.0457% | 116 |
| Net loans and leases to deposits | 102.0200% | 399 |
| Net loans and leases to core deposits | 109.1122% | 645 |
| Total domestic deposits to total assets | 85.3222% | 3,584 |
| Equity capital to assets | 10.6178% | 3,024 |
| Core capital (leverage) ratio | 10.5442% | 2,857 |
| Tier 1 risk-based capital ratio | 13.4615% | 4,675 |
| Total risk-based capital ratio | 14.6704% | 4,654 |
| Memoranda: | ||
| Average total assets | $172,536,600 | 3,375 |
| Average earning assets | $155,015,800 | 3,417 |
| Average equity | $18,996,600 | 3,279 |
| Average total loans | $144,589,200 | 2,630 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6126% | 317 |
| Cost of funding earning assets | 0.5207% | 3,559 |
| Net interest margin | 5.0919% | 262 |
| Noninterest income to average assets | 0.8885% | 1,797 |
| Noninterest expense to average assets | 4.4797% | 532 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9847% | 2,447 |
| Return on assets (ROA) | 0.9847% | 2,546 |
| Pretax return on assets | 0.9847% | 3,565 |
| Return on Equity (ROE) | 8.8631% | 2,702 |
| Retained earnings to average equity (ytd only) | 4.8820% | 3,164 |
| Net charge-offs to loans | 0.2270% | 2,448 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.2438% | 3,244 |
| Efficiency ratio | 81.9227% | 1,832 |
| Assets per employee ($millions) | 1.9081% | 6,730 |
| Cash dividends to net income (ytd only)* | 44.9171% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 5,821 |
| Loan loss allowance to noncurrent loans | 55.8559% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 1.8896% | 2,148 |
| Noncurrent loans to loans | 1.7470% | 2,575 |
| Net loans and leases to total assets | 85.2118% | 183 |
| Net loans and leases to deposits | 100.8973% | 436 |
| Net loans and leases to core deposits | 108.4416% | 649 |
| Total domestic deposits to total assets | 84.4540% | 4,003 |
| Equity capital to assets | 11.4553% | 2,331 |
| Core capital (leverage) ratio | 11.2815% | 2,215 |
| Tier 1 risk-based capital ratio | 14.7935% | 3,878 |
| Total risk-based capital ratio | 15.9065% | 3,927 |
| Memoranda: | ||
| Average total assets | $171,822,250 | 3,412 |
| Average earning assets | $154,410,000 | 3,463 |
| Average equity | $19,090,000 | 3,303 |
| Average total loans | $142,162,250 | 2,679 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4669% | 396 |
| Cost of funding earning assets | 0.5406% | 3,496 |
| Net interest margin | 4.9262% | 350 |
| Noninterest income to average assets | 0.8847% | 1,872 |
| Noninterest expense to average assets | 4.3852% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9473% | 2,582 |
| Return on assets (ROA) | 0.9473% | 2,730 |
| Pretax return on assets | 0.9473% | 3,725 |
| Return on Equity (ROE) | 8.6142% | 2,788 |
| Retained earnings to average equity (ytd only) | 2.6043% | 4,652 |
| Net charge-offs to loans | 0.2514% | 2,221 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.6158% | 3,083 |
| Efficiency ratio | 82.1700% | 1,866 |
| Assets per employee ($millions) | 1.9198% | 6,774 |
| Cash dividends to net income (ytd only)* | 69.7674% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 5,691 |
| Loan loss allowance to noncurrent loans | 59.2843% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 1.8804% | 2,302 |
| Noncurrent loans to loans | 1.7439% | 2,708 |
| Net loans and leases to total assets | 83.5292% | 267 |
| Net loans and leases to deposits | 98.4915% | 517 |
| Net loans and leases to core deposits | 106.6721% | 709 |
| Total domestic deposits to total assets | 84.8086% | 3,990 |
| Equity capital to assets | 11.1128% | 2,645 |
| Core capital (leverage) ratio | 11.0248% | 2,332 |
| Tier 1 risk-based capital ratio | 14.6204% | 4,020 |
| Total risk-based capital ratio | 15.7906% | 4,049 |
| Memoranda: | ||
| Average total assets | $172,488,000 | 3,421 |
| Average earning assets | $155,738,670 | 3,463 |
| Average equity | $18,968,670 | 3,333 |
| Average total loans | $140,837,330 | 2,704 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3250% | 487 |
| Cost of funding earning assets | 0.5637% | 3,442 |
| Net interest margin | 4.7612% | 431 |
| Noninterest income to average assets | 0.8309% | 1,995 |
| Noninterest expense to average assets | 4.2378% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9210% | 2,562 |
| Return on assets (ROA) | 0.9210% | 2,706 |
| Pretax return on assets | 0.9210% | 3,684 |
| Return on Equity (ROE) | 8.4182% | 2,765 |
| Retained earnings to average equity (ytd only) | 8.4182% | 1,598 |
| Net charge-offs to loans | 0.3766% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.0458% | 2,860 |
| Efficiency ratio | 82.1029% | 2,023 |
| Assets per employee ($millions) | 2.0864% | 6,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 5,588 |
| Loan loss allowance to noncurrent loans | 61.6526% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 2.0201% | 2,317 |
| Noncurrent loans to loans | 1.7927% | 2,870 |
| Net loans and leases to total assets | 80.3877% | 395 |
| Net loans and leases to deposits | 96.4141% | 518 |
| Net loans and leases to core deposits | 105.1204% | 674 |
| Total domestic deposits to total assets | 83.3775% | 4,723 |
| Equity capital to assets | 11.2058% | 2,732 |
| Core capital (leverage) ratio | 10.9978% | 2,268 |
| Tier 1 risk-based capital ratio | 15.1587% | 3,730 |
| Total risk-based capital ratio | 16.3929% | 3,696 |
| Memoranda: | ||
| Average total assets | $173,299,000 | 3,441 |
| Average earning assets | $157,522,000 | 3,479 |
| Average equity | $18,959,000 | 3,383 |
| Average total loans | $139,149,000 | 2,742 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8107% | 359 |
| Cost of funding earning assets | 0.6545% | 3,877 |
| Net interest margin | 5.1563% | 296 |
| Noninterest income to average assets | 0.7192% | 2,621 |
| Noninterest expense to average assets | 4.1375% | 827 |
| Loan and lease loss provision to assets | 0.4552% | 1,380 |
| Net operating income to assets | 0.8127% | 3,231 |
| Return on assets (ROA) | 0.8279% | 3,405 |
| Pretax return on assets | 0.8279% | 4,190 |
| Return on Equity (ROE) | 7.1889% | 3,537 |
| Retained earnings to average equity (ytd only) | 0.3268% | 5,690 |
| Net charge-offs to loans | 0.2660% | 3,348 |
| Credit loss provision to net charge-offs | 209.4972% | 1,216 |
| Earnings coverage of net charge-offs (x) | 5.8352% | 2,938 |
| Efficiency ratio | 76.4765% | 2,666 |
| Assets per employee ($millions) | 2.1405% | 6,862 |
| Cash dividends to net income (ytd only)* | 95.4545% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 5,123 |
| Loan loss allowance to noncurrent loans | 96.2493% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.7280% | 2,804 |
| Noncurrent loans to loans | 1.2447% | 3,761 |
| Net loans and leases to total assets | 78.3770% | 628 |
| Net loans and leases to deposits | 93.4380% | 789 |
| Net loans and leases to core deposits | 101.6035% | 913 |
| Total domestic deposits to total assets | 83.8813% | 4,367 |
| Equity capital to assets | 10.6810% | 3,310 |
| Core capital (leverage) ratio | 10.6189% | 2,637 |
| Tier 1 risk-based capital ratio | 14.8101% | 3,827 |
| Total risk-based capital ratio | 16.0613% | 3,781 |
| Memoranda: | ||
| Average total assets | $164,761,200 | 3,539 |
| Average earning assets | $149,739,800 | 3,555 |
| Average equity | $18,973,600 | 3,339 |
| Average total loans | $134,611,000 | 2,799 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8850% | 343 |
| Cost of funding earning assets | 0.6668% | 4,049 |
| Net interest margin | 5.2182% | 285 |
| Noninterest income to average assets | 0.7363% | 2,543 |
| Noninterest expense to average assets | 4.1659% | 760 |
| Loan and lease loss provision to assets | 0.2057% | 3,018 |
| Net operating income to assets | 1.1032% | 2,076 |
| Return on assets (ROA) | 1.1238% | 2,207 |
| Pretax return on assets | 1.1238% | 3,260 |
| Return on Equity (ROE) | 9.5705% | 2,558 |
| Retained earnings to average equity (ytd only) | 4.4770% | 3,748 |
| Net charge-offs to loans | 0.2168% | 3,426 |
| Credit loss provision to net charge-offs | 115.2074% | 2,530 |
| Earnings coverage of net charge-offs (x) | 7.3317% | 2,616 |
| Efficiency ratio | 76.0331% | 2,673 |
| Assets per employee ($millions) | 2.1046% | 6,963 |
| Cash dividends to net income (ytd only)* | 53.2211% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 6,252 |
| Loan loss allowance to noncurrent loans | 70.5660% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.8407% | 2,874 |
| Noncurrent loans to loans | 1.3438% | 3,782 |
| Net loans and leases to total assets | 80.2071% | 490 |
| Net loans and leases to deposits | 96.5063% | 629 |
| Net loans and leases to core deposits | 104.8872% | 816 |
| Total domestic deposits to total assets | 83.1107% | 4,603 |
| Equity capital to assets | 11.3354% | 2,900 |
| Core capital (leverage) ratio | 11.3786% | 2,070 |
| Tier 1 risk-based capital ratio | 15.4876% | 3,543 |
| Total risk-based capital ratio | 16.5516% | 3,603 |
| Memoranda: | ||
| Average total assets | $162,072,250 | 3,615 |
| Average earning assets | $147,172,500 | 3,641 |
| Average equity | $19,030,250 | 3,356 |
| Average total loans | $133,455,500 | 2,844 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9089% | 337 |
| Cost of funding earning assets | 0.6771% | 4,206 |
| Net interest margin | 5.2318% | 275 |
| Noninterest income to average assets | 0.7484% | 2,422 |
| Noninterest expense to average assets | 4.1250% | 811 |
| Loan and lease loss provision to assets | 0.1256% | 3,954 |
| Net operating income to assets | 1.2520% | 1,562 |
| Return on assets (ROA) | 1.2833% | 1,638 |
| Pretax return on assets | 1.2833% | 2,617 |
| Return on Equity (ROE) | 10.7963% | 2,060 |
| Retained earnings to average equity (ytd only) | 3.1164% | 4,555 |
| Net charge-offs to loans | 0.1334% | 3,860 |
| Credit loss provision to net charge-offs | 113.6364% | 2,402 |
| Earnings coverage of net charge-offs (x) | 12.4659% | 1,874 |
| Efficiency ratio | 74.8973% | 2,914 |
| Assets per employee ($millions) | 2.1507% | 6,999 |
| Cash dividends to net income (ytd only)* | 71.1350% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 6,331 |
| Loan loss allowance to noncurrent loans | 56.2691% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.9100% | 2,894 |
| Noncurrent loans to loans | 1.6869% | 3,367 |
| Net loans and leases to total assets | 81.1589% | 390 |
| Net loans and leases to deposits | 98.0543% | 524 |
| Net loans and leases to core deposits | 107.5705% | 679 |
| Total domestic deposits to total assets | 82.7693% | 4,841 |
| Equity capital to assets | 11.4609% | 2,629 |
| Core capital (leverage) ratio | 11.6361% | 1,821 |
| Tier 1 risk-based capital ratio | 15.5988% | 3,386 |
| Total risk-based capital ratio | 16.6728% | 3,457 |
| Memoranda: | ||
| Average total assets | $159,271,330 | 3,679 |
| Average earning assets | $144,729,670 | 3,698 |
| Average equity | $18,932,330 | 3,362 |
| Average total loans | $131,926,670 | 2,893 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9267% | 342 |
| Cost of funding earning assets | 0.6916% | 4,354 |
| Net interest margin | 5.2351% | 281 |
| Noninterest income to average assets | 0.7764% | 2,268 |
| Noninterest expense to average assets | 4.2100% | 730 |
| Loan and lease loss provision to assets | 0.2562% | 2,405 |
| Net operating income to assets | 1.0813% | 2,166 |
| Return on assets (ROA) | 1.1454% | 2,080 |
| Pretax return on assets | 1.1454% | 3,136 |
| Return on Equity (ROE) | 9.4561% | 2,620 |
| Retained earnings to average equity (ytd only) | 9.4561% | 1,425 |
| Net charge-offs to loans | 0.1938% | 2,955 |
| Credit loss provision to net charge-offs | 158.7302% | 1,596 |
| Earnings coverage of net charge-offs (x) | 8.2857% | 1,975 |
| Efficiency ratio | 75.8430% | 2,809 |
| Assets per employee ($millions) | 2.0465% | 7,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 6,222 |
| Loan loss allowance to noncurrent loans | 60.0640% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 2.0021% | 2,892 |
| Noncurrent loans to loans | 1.6754% | 3,590 |
| Net loans and leases to total assets | 81.9643% | 283 |
| Net loans and leases to deposits | 99.2447% | 397 |
| Net loans and leases to core deposits | 106.7499% | 648 |
| Total domestic deposits to total assets | 82.5881% | 5,085 |
| Equity capital to assets | 12.1410% | 1,946 |
| Core capital (leverage) ratio | 12.2447% | 1,465 |
| Tier 1 risk-based capital ratio | 16.3753% | 2,975 |
| Total risk-based capital ratio | 17.5155% | 2,996 |
| Memoranda: | ||
| Average total assets | $156,104,000 | 3,759 |
| Average earning assets | $142,270,500 | 3,781 |
| Average equity | $18,908,500 | 3,363 |
| Average total loans | $130,044,000 | 2,941 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2210% | 289 |
| Cost of funding earning assets | 0.7045% | 5,509 |
| Net interest margin | 5.5165% | 169 |
| Noninterest income to average assets | 0.8554% | 1,823 |
| Noninterest expense to average assets | 4.3567% | 680 |
| Loan and lease loss provision to assets | 0.2840% | 3,390 |
| Net operating income to assets | 1.2736% | 1,310 |
| Return on assets (ROA) | 1.2736% | 1,414 |
| Pretax return on assets | 1.2736% | 2,223 |
| Return on Equity (ROE) | 9.4503% | 2,266 |
| Retained earnings to average equity (ytd only) | 0.8060% | 5,482 |
| Net charge-offs to loans | 0.1791% | 4,718 |
| Credit loss provision to net charge-offs | 181.8182% | 1,422 |
| Earnings coverage of net charge-offs (x) | 9.9727% | 1,903 |
| Efficiency ratio | 73.6526% | 3,288 |
| Assets per employee ($millions) | 1.8630% | 7,195 |
| Cash dividends to net income (ytd only)* | 91.4716% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 6,287 |
| Loan loss allowance to noncurrent loans | 52.4240% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 2.1329% | 2,816 |
| Noncurrent loans to loans | 1.8779% | 3,368 |
| Net loans and leases to total assets | 82.9990% | 276 |
| Net loans and leases to deposits | 100.7228% | 426 |
| Net loans and leases to core deposits | 108.4669% | 677 |
| Total domestic deposits to total assets | 82.4033% | 4,999 |
| Equity capital to assets | 12.0840% | 2,057 |
| Core capital (leverage) ratio | 12.5898% | 1,313 |
| Tier 1 risk-based capital ratio | 16.1510% | 2,979 |
| Total risk-based capital ratio | 17.2704% | 2,993 |
| Memoranda: | ||
| Average total assets | $140,863,800 | 3,964 |
| Average earning assets | $129,175,800 | 3,951 |
| Average equity | $18,983,600 | 3,283 |
| Average total loans | $122,823,200 | 3,125 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3026% | 264 |
| Cost of funding earning assets | 0.7118% | 5,688 |
| Net interest margin | 5.5908% | 155 |
| Noninterest income to average assets | 0.8868% | 1,696 |
| Noninterest expense to average assets | 4.3213% | 702 |
| Loan and lease loss provision to assets | 0.1940% | 4,080 |
| Net operating income to assets | 1.5077% | 917 |
| Return on assets (ROA) | 1.5077% | 1,003 |
| Pretax return on assets | 1.5077% | 1,637 |
| Return on Equity (ROE) | 10.8717% | 1,907 |
| Retained earnings to average equity (ytd only) | 6.8630% | 2,042 |
| Net charge-offs to loans | 0.1200% | 4,828 |
| Credit loss provision to net charge-offs | 183.4862% | 1,613 |
| Earnings coverage of net charge-offs (x) | 16.0917% | 1,417 |
| Efficiency ratio | 71.7461% | 3,604 |
| Assets per employee ($millions) | 2.1371% | 7,182 |
| Cash dividends to net income (ytd only)* | 36.8725% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 6,455 |
| Loan loss allowance to noncurrent loans | 62.5725% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.9639% | 3,187 |
| Noncurrent loans to loans | 1.5191% | 4,002 |
| Net loans and leases to total assets | 87.6927% | 87 |
| Net loans and leases to deposits | 110.2665% | 175 |
| Net loans and leases to core deposits | 119.9948% | 384 |
| Total domestic deposits to total assets | 79.5280% | 5,859 |
| Equity capital to assets | 13.8345% | 1,233 |
| Core capital (leverage) ratio | 13.8761% | 930 |
| Tier 1 risk-based capital ratio | 18.2773% | 2,160 |
| Total risk-based capital ratio | 19.3891% | 2,169 |
| Memoranda: | ||
| Average total assets | $137,423,250 | 4,051 |
| Average earning assets | $126,252,000 | 4,033 |
| Average equity | $19,058,250 | 3,278 |
| Average total loans | $121,125,500 | 3,175 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3217% | 275 |
| Cost of funding earning assets | 0.7170% | 5,854 |
| Net interest margin | 5.6047% | 153 |
| Noninterest income to average assets | 0.9514% | 1,461 |
| Noninterest expense to average assets | 4.3402% | 709 |
| Loan and lease loss provision to assets | 0.1468% | 4,473 |
| Net operating income to assets | 1.6063% | 724 |
| Return on assets (ROA) | 1.6063% | 766 |
| Pretax return on assets | 1.6063% | 1,247 |
| Return on Equity (ROE) | 11.5726% | 1,613 |
| Retained earnings to average equity (ytd only) | 5.5113% | 2,689 |
| Net charge-offs to loans | 0.1201% | 4,513 |
| Credit loss provision to net charge-offs | 138.8889% | 2,192 |
| Earnings coverage of net charge-offs (x) | 16.5833% | 1,330 |
| Efficiency ratio | 71.2289% | 3,895 |
| Assets per employee ($millions) | 2.0714% | 7,252 |
| Cash dividends to net income (ytd only)* | 52.3766% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 6,622 |
| Loan loss allowance to noncurrent loans | 54.5631% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 2.2560% | 2,908 |
| Noncurrent loans to loans | 1.6741% | 3,917 |
| Net loans and leases to total assets | 87.8538% | 82 |
| Net loans and leases to deposits | 109.5835% | 184 |
| Net loans and leases to core deposits | 119.0298% | 442 |
| Total domestic deposits to total assets | 80.1706% | 5,779 |
| Equity capital to assets | 13.7285% | 1,193 |
| Core capital (leverage) ratio | 13.5088% | 991 |
| Tier 1 risk-based capital ratio | 18.0233% | 2,165 |
| Total risk-based capital ratio | 19.0866% | 2,176 |
| Memoranda: | ||
| Average total assets | $136,215,670 | 4,103 |
| Average earning assets | $124,966,000 | 4,092 |
| Average equity | $18,906,670 | 3,277 |
| Average total loans | $119,876,000 | 3,233 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2970% | 283 |
| Cost of funding earning assets | 0.7119% | 6,068 |
| Net interest margin | 5.5852% | 147 |
| Noninterest income to average assets | 0.9575% | 1,444 |
| Noninterest expense to average assets | 4.2866% | 736 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7876% | 498 |
| Return on assets (ROA) | 1.7876% | 526 |
| Pretax return on assets | 1.7876% | 835 |
| Return on Equity (ROE) | 12.8070% | 1,241 |
| Retained earnings to average equity (ytd only) | 12.8070% | 618 |
| Net charge-offs to loans | 0.1420% | 3,651 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 14.3571% | 1,376 |
| Efficiency ratio | 70.5710% | 4,146 |
| Assets per employee ($millions) | 2.0582% | 7,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 6,759 |
| Loan loss allowance to noncurrent loans | 48.8868% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.7046% | 2,549 |
| Noncurrent loans to loans | 1.7905% | 3,837 |
| Net loans and leases to total assets | 87.8676% | 83 |
| Net loans and leases to deposits | 111.7758% | 158 |
| Net loans and leases to core deposits | 115.5310% | 544 |
| Total domestic deposits to total assets | 78.6106% | 6,272 |
| Equity capital to assets | 14.0861% | 984 |
| Core capital (leverage) ratio | 14.1514% | 819 |
| Tier 1 risk-based capital ratio | 18.3138% | 2,013 |
| Total risk-based capital ratio | 19.3226% | 2,056 |
| Memoranda: | ||
| Average total assets | $134,931,500 | 4,156 |
| Average earning assets | $123,613,500 | 4,146 |
| Average equity | $18,833,500 | 3,276 |
| Average total loans | $118,288,500 | 3,287 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3550% | 418 |
| Cost of funding earning assets | 0.9354% | 6,005 |
| Net interest margin | 5.4195% | 195 |
| Noninterest income to average assets | 0.7583% | 2,492 |
| Noninterest expense to average assets | 4.2642% | 847 |
| Loan and lease loss provision to assets | 0.4924% | 3,197 |
| Net operating income to assets | 0.9128% | 2,337 |
| Return on assets (ROA) | 0.9128% | 2,469 |
| Pretax return on assets | 0.9128% | 3,231 |
| Return on Equity (ROE) | 6.4874% | 3,355 |
| Retained earnings to average equity (ytd only) | 1.5128% | 4,775 |
| Net charge-offs to loans | 0.4890% | 3,666 |
| Credit loss provision to net charge-offs | 117.7536% | 3,620 |
| Earnings coverage of net charge-offs (x) | 3.3605% | 3,402 |
| Efficiency ratio | 75.2138% | 3,161 |
| Assets per employee ($millions) | 2.0306% | 7,403 |
| Cash dividends to net income (ytd only)* | 76.6805% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 6,595 |
| Loan loss allowance to noncurrent loans | 65.1218% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 2.6339% | 2,641 |
| Noncurrent loans to loans | 1.4489% | 4,310 |
| Net loans and leases to total assets | 85.8566% | 191 |
| Net loans and leases to deposits | 107.6904% | 278 |
| Net loans and leases to core deposits | 111.2255% | 856 |
| Total domestic deposits to total assets | 79.7254% | 5,905 |
| Equity capital to assets | 13.8278% | 1,092 |
| Core capital (leverage) ratio | 13.7900% | 899 |
| Tier 1 risk-based capital ratio | 18.2852% | 1,912 |
| Total risk-based capital ratio | 19.3666% | 1,930 |
| Memoranda: | ||
| Average total assets | $132,007,200 | 4,219 |
| Average earning assets | $119,623,200 | 4,239 |
| Average equity | $18,574,400 | 3,338 |
| Average total loans | $112,875,200 | 3,474 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3295% | 477 |
| Cost of funding earning assets | 0.9840% | 6,018 |
| Net interest margin | 5.3455% | 223 |
| Noninterest income to average assets | 0.8800% | 1,875 |
| Noninterest expense to average assets | 4.2462% | 781 |
| Loan and lease loss provision to assets | 0.3042% | 4,144 |
| Net operating income to assets | 1.1599% | 1,706 |
| Return on assets (ROA) | 1.1599% | 1,801 |
| Pretax return on assets | 1.1599% | 2,637 |
| Return on Equity (ROE) | 8.2072% | 2,822 |
| Retained earnings to average equity (ytd only) | 5.1366% | 2,884 |
| Net charge-offs to loans | 0.4593% | 3,456 |
| Credit loss provision to net charge-offs | 77.7202% | 5,205 |
| Earnings coverage of net charge-offs (x) | 3.7410% | 3,314 |
| Efficiency ratio | 74.3608% | 3,255 |
| Assets per employee ($millions) | 2.0798% | 7,483 |
| Cash dividends to net income (ytd only)* | 37.4123% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 6,995 |
| Loan loss allowance to noncurrent loans | 51.7300% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 3.5726% | 1,992 |
| Noncurrent loans to loans | 1.5538% | 4,308 |
| Net loans and leases to total assets | 85.8996% | 207 |
| Net loans and leases to deposits | 108.7702% | 281 |
| Net loans and leases to core deposits | 116.1627% | 740 |
| Total domestic deposits to total assets | 78.9735% | 6,025 |
| Equity capital to assets | 14.4759% | 1,025 |
| Core capital (leverage) ratio | 14.2084% | 880 |
| Tier 1 risk-based capital ratio | 19.2131% | 1,705 |
| Total risk-based capital ratio | 20.1370% | 1,741 |
| Memoranda: | ||
| Average total assets | $131,504,000 | 4,288 |
| Average earning assets | $118,826,250 | 4,312 |
| Average equity | $18,585,000 | 3,374 |
| Average total loans | $112,053,750 | 3,551 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1673% | 661 |
| Cost of funding earning assets | 1.0256% | 6,025 |
| Net interest margin | 5.1417% | 318 |
| Noninterest income to average assets | 0.9145% | 1,641 |
| Noninterest expense to average assets | 4.1712% | 841 |
| Loan and lease loss provision to assets | 0.3038% | 3,966 |
| Net operating income to assets | 1.0922% | 1,883 |
| Return on assets (ROA) | 1.0922% | 1,952 |
| Pretax return on assets | 1.0922% | 2,805 |
| Return on Equity (ROE) | 7.7908% | 2,971 |
| Retained earnings to average equity (ytd only) | 3.1532% | 4,107 |
| Net charge-offs to loans | 0.3567% | 3,569 |
| Credit loss provision to net charge-offs | 100.5025% | 4,051 |
| Earnings coverage of net charge-offs (x) | 4.6181% | 2,896 |
| Efficiency ratio | 74.9250% | 3,276 |
| Assets per employee ($millions) | 2.1198% | 7,497 |
| Cash dividends to net income (ytd only)* | 59.5271% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 6,794 |
| Loan loss allowance to noncurrent loans | 46.3143% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 3.3501% | 2,098 |
| Noncurrent loans to loans | 1.9216% | 3,838 |
| Net loans and leases to total assets | 84.6495% | 306 |
| Net loans and leases to deposits | 107.4544% | 335 |
| Net loans and leases to core deposits | 116.8536% | 816 |
| Total domestic deposits to total assets | 78.7771% | 6,091 |
| Equity capital to assets | 14.1080% | 1,130 |
| Core capital (leverage) ratio | 14.1350% | 898 |
| Tier 1 risk-based capital ratio | 18.7515% | 1,776 |
| Total risk-based capital ratio | 19.7617% | 1,798 |
| Memoranda: | ||
| Average total assets | $131,663,670 | 4,305 |
| Average earning assets | $119,144,000 | 4,331 |
| Average equity | $18,457,670 | 3,380 |
| Average total loans | $111,584,330 | 3,595 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0526% | 881 |
| Cost of funding earning assets | 1.0663% | 6,060 |
| Net interest margin | 4.9863% | 430 |
| Noninterest income to average assets | 1.0047% | 1,289 |
| Noninterest expense to average assets | 4.2161% | 792 |
| Loan and lease loss provision to assets | 0.3035% | 3,611 |
| Net operating income to assets | 0.9986% | 2,193 |
| Return on assets (ROA) | 0.9986% | 2,262 |
| Pretax return on assets | 0.9986% | 3,098 |
| Return on Equity (ROE) | 7.1462% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.1462% | 2,071 |
| Net charge-offs to loans | 0.8270% | 1,878 |
| Credit loss provision to net charge-offs | 43.4783% | 4,581 |
| Earnings coverage of net charge-offs (x) | 1.8652% | 3,615 |
| Efficiency ratio | 76.4026% | 3,150 |
| Assets per employee ($millions) | 2.2093% | 7,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 7,179 |
| Loan loss allowance to noncurrent loans | 35.5010% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 3.4166% | 2,065 |
| Noncurrent loans to loans | 2.1942% | 3,534 |
| Net loans and leases to total assets | 83.4086% | 443 |
| Net loans and leases to deposits | 105.6290% | 441 |
| Net loans and leases to core deposits | 115.0534% | 995 |
| Total domestic deposits to total assets | 78.9638% | 6,089 |
| Equity capital to assets | 14.0166% | 1,136 |
| Core capital (leverage) ratio | 14.0801% | 942 |
| Tier 1 risk-based capital ratio | 18.8232% | 1,761 |
| Total risk-based capital ratio | 19.7026% | 1,812 |
| Memoranda: | ||
| Average total assets | $131,781,000 | 4,362 |
| Average earning assets | $119,288,000 | 4,394 |
| Average equity | $18,415,500 | 3,415 |
| Average total loans | $111,250,000 | 3,658 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6842% | 480 |
| Cost of funding earning assets | 1.3052% | 6,288 |
| Net interest margin | 5.3790% | 219 |
| Noninterest income to average assets | 0.8018% | 2,399 |
| Noninterest expense to average assets | 4.1713% | 1,128 |
| Loan and lease loss provision to assets | 0.1666% | 6,023 |
| Net operating income to assets | 1.3818% | 883 |
| Return on assets (ROA) | 1.3818% | 934 |
| Pretax return on assets | 1.3818% | 1,476 |
| Return on Equity (ROE) | 9.8147% | 1,740 |
| Retained earnings to average equity (ytd only) | -1.3337% | 5,356 |
| Net charge-offs to loans | 0.2528% | 5,041 |
| Credit loss provision to net charge-offs | 78.2918% | 6,330 |
| Earnings coverage of net charge-offs (x) | 7.2776% | 2,183 |
| Efficiency ratio | 72.9282% | 4,108 |
| Assets per employee ($millions) | 2.2204% | 7,552 |
| Cash dividends to net income (ytd only)* | 113.5890% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 6,819 |
| Loan loss allowance to noncurrent loans | 49.2110% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 3.2006% | 2,146 |
| Noncurrent loans to loans | 1.8259% | 3,889 |
| Net loans and leases to total assets | 84.0197% | 430 |
| Net loans and leases to deposits | 108.5813% | 437 |
| Net loans and leases to core deposits | 132.7136% | 1,129 |
| Total domestic deposits to total assets | 77.3795% | 6,372 |
| Equity capital to assets | 13.9315% | 1,191 |
| Core capital (leverage) ratio | 13.6920% | 1,045 |
| Tier 1 risk-based capital ratio | 18.5547% | 1,740 |
| Total risk-based capital ratio | 19.5694% | 1,761 |
| Memoranda: | ||
| Average total assets | $132,070,000 | 4,299 |
| Average earning assets | $120,747,000 | 4,295 |
| Average equity | $18,594,600 | 3,409 |
| Average total loans | $111,171,400 | 3,662 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4232% | 882 |
| Cost of funding earning assets | 1.3414% | 6,425 |
| Net interest margin | 5.0818% | 382 |
| Noninterest income to average assets | 0.7939% | 2,465 |
| Noninterest expense to average assets | 4.1358% | 1,095 |
| Loan and lease loss provision to assets | 0.2217% | 5,200 |
| Net operating income to assets | 1.0931% | 1,754 |
| Return on assets (ROA) | 1.0931% | 1,815 |
| Pretax return on assets | 1.0931% | 2,603 |
| Return on Equity (ROE) | 7.7441% | 2,753 |
| Retained earnings to average equity (ytd only) | 1.7415% | 4,340 |
| Net charge-offs to loans | 0.1799% | 4,949 |
| Credit loss provision to net charge-offs | 146.6667% | 3,308 |
| Earnings coverage of net charge-offs (x) | 8.6998% | 2,211 |
| Efficiency ratio | 75.8780% | 3,536 |
| Assets per employee ($millions) | 2.1753% | 7,636 |
| Cash dividends to net income (ytd only)* | 77.5119% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 6,286 |
| Loan loss allowance to noncurrent loans | 23.2592% | 6,891 |
| Noncurrent assets plus other real estate owned to assets | 4.5685% | 1,331 |
| Noncurrent loans to loans | 4.3022% | 1,667 |
| Net loans and leases to total assets | 84.1783% | 521 |
| Net loans and leases to deposits | 108.8156% | 508 |
| Net loans and leases to core deposits | 132.9204% | 1,273 |
| Total domestic deposits to total assets | 77.3587% | 6,245 |
| Equity capital to assets | 14.1253% | 1,267 |
| Core capital (leverage) ratio | 13.8920% | 1,119 |
| Tier 1 risk-based capital ratio | 18.8694% | 1,777 |
| Total risk-based capital ratio | 20.0060% | 1,765 |
| Memoranda: | ||
| Average total assets | $132,336,250 | 4,312 |
| Average earning assets | $121,265,500 | 4,314 |
| Average equity | $18,680,500 | 3,420 |
| Average total loans | $111,197,250 | 3,712 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4702% | 877 |
| Cost of funding earning assets | 1.3789% | 6,551 |
| Net interest margin | 5.0913% | 363 |
| Noninterest income to average assets | 0.7291% | 2,819 |
| Noninterest expense to average assets | 4.0615% | 1,236 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3311% | 1,156 |
| Return on assets (ROA) | 1.3311% | 1,231 |
| Pretax return on assets | 1.3311% | 1,928 |
| Return on Equity (ROE) | 9.4321% | 2,210 |
| Retained earnings to average equity (ytd only) | 0.4180% | 5,051 |
| Net charge-offs to loans | 0.2277% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 6.9841% | 2,518 |
| Efficiency ratio | 75.3156% | 3,824 |
| Assets per employee ($millions) | 2.1968% | 7,675 |
| Cash dividends to net income (ytd only)* | 95.5682% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 7,075 |
| Loan loss allowance to noncurrent loans | 19.3328% | 7,165 |
| Noncurrent assets plus other real estate owned to assets | 4.3143% | 1,336 |
| Noncurrent loans to loans | 4.2563% | 1,549 |
| Net loans and leases to total assets | 82.5637% | 855 |
| Net loans and leases to deposits | 108.5875% | 622 |
| Net loans and leases to core deposits | 131.8331% | 1,442 |
| Total domestic deposits to total assets | 76.0343% | 6,544 |
| Equity capital to assets | 13.6110% | 1,455 |
| Core capital (leverage) ratio | 13.7729% | 1,198 |
| Tier 1 risk-based capital ratio | 18.4630% | 1,884 |
| Total risk-based capital ratio | 19.3923% | 1,924 |
| Memoranda: | ||
| Average total assets | $132,218,000 | 4,344 |
| Average earning assets | $121,109,330 | 4,342 |
| Average equity | $18,659,670 | 3,442 |
| Average total loans | $110,654,330 | 3,751 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5623% | 764 |
| Cost of funding earning assets | 1.4464% | 6,589 |
| Net interest margin | 5.1159% | 323 |
| Noninterest income to average assets | 0.7034% | 2,869 |
| Noninterest expense to average assets | 4.0360% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3607% | 1,234 |
| Return on assets (ROA) | 1.3607% | 1,321 |
| Pretax return on assets | 1.3607% | 2,082 |
| Return on Equity (ROE) | 9.4656% | 2,545 |
| Retained earnings to average equity (ytd only) | 9.4656% | 1,347 |
| Net charge-offs to loans | 0.0988% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 16.4074% | 1,552 |
| Efficiency ratio | 74.7866% | 3,695 |
| Assets per employee ($millions) | 2.2770% | 7,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 6,501 |
| Loan loss allowance to noncurrent loans | 21.6443% | 7,078 |
| Noncurrent assets plus other real estate owned to assets | 4.1699% | 1,209 |
| Noncurrent loans to loans | 4.3816% | 1,331 |
| Net loans and leases to total assets | 81.6165% | 1,077 |
| Net loans and leases to deposits | 103.3324% | 1,065 |
| Net loans and leases to core deposits | 126.7087% | 1,871 |
| Total domestic deposits to total assets | 78.9844% | 5,732 |
| Equity capital to assets | 14.3430% | 1,270 |
| Core capital (leverage) ratio | 14.5192% | 1,080 |
| Tier 1 risk-based capital ratio | 19.5666% | 1,705 |
| Total risk-based capital ratio | 20.6326% | 1,693 |
| Memoranda: | ||
| Average total assets | $130,227,500 | 4,403 |
| Average earning assets | $119,471,000 | 4,399 |
| Average equity | $18,720,500 | 3,450 |
| Average total loans | $109,289,500 | 3,802 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2786% | 623 |
| Cost of funding earning assets | 1.9608% | 6,533 |
| Net interest margin | 5.3179% | 276 |
| Noninterest income to average assets | 1.2419% | 963 |
| Noninterest expense to average assets | 4.0365% | 1,360 |
| Loan and lease loss provision to assets | 0.2147% | 4,746 |
| Net operating income to assets | 1.8516% | 491 |
| Return on assets (ROA) | 1.8516% | 475 |
| Pretax return on assets | 1.8516% | 850 |
| Return on Equity (ROE) | 12.9133% | 1,351 |
| Retained earnings to average equity (ytd only) | 2.2647% | 3,800 |
| Net charge-offs to loans | 0.1069% | 5,219 |
| Credit loss provision to net charge-offs | 243.3628% | 1,913 |
| Earnings coverage of net charge-offs (x) | 23.4248% | 1,425 |
| Efficiency ratio | 66.1422% | 5,101 |
| Assets per employee ($millions) | 2.1761% | 7,743 |
| Cash dividends to net income (ytd only)* | 82.4621% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 6,297 |
| Loan loss allowance to noncurrent loans | 19.7427% | 7,251 |
| Noncurrent assets plus other real estate owned to assets | 4.3874% | 876 |
| Noncurrent loans to loans | 4.8870% | 921 |
| Net loans and leases to total assets | 84.6648% | 788 |
| Net loans and leases to deposits | 104.3175% | 1,310 |
| Net loans and leases to core deposits | 134.2265% | 1,586 |
| Total domestic deposits to total assets | 81.1607% | 4,576 |
| Equity capital to assets | 14.4083% | 1,324 |
| Core capital (leverage) ratio | 14.1521% | 1,228 |
| Tier 1 risk-based capital ratio | 19.2163% | 1,766 |
| Total risk-based capital ratio | 20.3164% | 1,754 |
| Memoranda: | ||
| Average total assets | $128,106,400 | 4,325 |
| Average earning assets | $117,096,000 | 4,337 |
| Average equity | $18,368,600 | 3,499 |
| Average total loans | $105,676,200 | 3,805 |