Home > Bank of Belleville > Performance and Condition Ratios
Bank of Belleville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6984% | 2,683 |
| Cost of funding earning assets | 2.2602% | 581 |
| Net interest margin | 2.4382% | 4,153 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.1125% | 3,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3184% | 3,999 |
| Return on assets (ROA) | 0.3301% | 3,984 |
| Pretax return on assets | 0.3747% | 3,999 |
| Return on Equity (ROE) | 5.2700% | 3,676 |
| Retained earnings to average equity (ytd only) | 5.2730% | 2,496 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.4411% | 592 |
| Assets per employee ($millions) | 7.5209% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 3,211 |
| Loan loss allowance to noncurrent loans | 1,354.9020% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 3,206 |
| Noncurrent loans to loans | 0.0753% | 3,186 |
| Net loans and leases to total assets | 74.3100% | 1,312 |
| Net loans and leases to deposits | 93.6282% | 969 |
| Net loans and leases to core deposits | 109.7814% | 968 |
| Total domestic deposits to total assets | 79.3700% | 3,553 |
| Equity capital to assets | 6.5480% | 4,097 |
| Core capital (leverage) ratio | 7.9842% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5096% | 2,718 |
| Memoranda: | ||
| Average total assets | $441,979,600 | 1,887 |
| Average earning assets | $412,437,600 | 1,867 |
| Average equity | $27,669,400 | 2,383 |
| Average total loans | $326,905,600 | 1,695 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 2,732 |
| Cost of funding earning assets | 2.1466% | 550 |
| Net interest margin | 2.4308% | 4,200 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.0943% | 3,367 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.3498% | 4,051 |
| Return on assets (ROA) | 0.3606% | 4,032 |
| Pretax return on assets | 0.4139% | 4,044 |
| Return on Equity (ROE) | 5.8300% | 3,673 |
| Retained earnings to average equity (ytd only) | 5.8283% | 2,681 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.7362% | 574 |
| Assets per employee ($millions) | 7.3668% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,392 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 74.7300% | 1,267 |
| Net loans and leases to deposits | 94.8843% | 829 |
| Net loans and leases to core deposits | 109.2927% | 896 |
| Total domestic deposits to total assets | 78.7600% | 3,733 |
| Equity capital to assets | 6.0137% | 3,984 |
| Core capital (leverage) ratio | 8.0686% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3314% | 2,765 |
| Memoranda: | ||
| Average total assets | $439,661,250 | 1,890 |
| Average earning assets | $410,877,750 | 1,869 |
| Average equity | $27,199,750 | 2,391 |
| Average total loans | $323,934,750 | 1,704 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 2,800 |
| Cost of funding earning assets | 2.0343% | 463 |
| Net interest margin | 2.4026% | 4,294 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.1039% | 3,334 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | 0.3596% | 4,073 |
| Return on assets (ROA) | 0.3739% | 4,060 |
| Pretax return on assets | 0.4285% | 4,074 |
| Return on Equity (ROE) | 5.9900% | 3,690 |
| Retained earnings to average equity (ytd only) | 5.9872% | 2,627 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.1836% | 488 |
| Assets per employee ($millions) | 6.6605% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 3,367 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 73.2200% | 1,380 |
| Net loans and leases to deposits | 92.9142% | 961 |
| Net loans and leases to core deposits | 106.2878% | 971 |
| Total domestic deposits to total assets | 78.8000% | 3,749 |
| Equity capital to assets | 6.3281% | 4,057 |
| Core capital (leverage) ratio | 8.1544% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6668% | 2,718 |
| Memoranda: | ||
| Average total assets | $436,423,333 | 1,894 |
| Average earning assets | $407,896,667 | 1,880 |
| Average equity | $27,258,333 | 2,401 |
| Average total loans | $318,851,667 | 1,710 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 2,868 |
| Cost of funding earning assets | 1.8775% | 385 |
| Net interest margin | 2.3961% | 4,384 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.1005% | 3,382 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 0.2638% | 4,295 |
| Return on assets (ROA) | 0.2713% | 4,253 |
| Pretax return on assets | 0.3311% | 4,232 |
| Return on Equity (ROE) | 4.3700% | 3,978 |
| Retained earnings to average equity (ytd only) | 4.3739% | 3,161 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.1173% | 414 |
| Assets per employee ($millions) | 6.7846% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 3,661 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 71.7500% | 1,452 |
| Net loans and leases to deposits | 91.5343% | 947 |
| Net loans and leases to core deposits | 103.7185% | 935 |
| Total domestic deposits to total assets | 78.3900% | 3,957 |
| Equity capital to assets | 6.3070% | 4,104 |
| Core capital (leverage) ratio | 8.1782% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6677% | 2,818 |
| Memoranda: | ||
| Average total assets | $434,953,000 | 1,923 |
| Average earning assets | $406,488,500 | 1,913 |
| Average equity | $26,978,500 | 2,437 |
| Average total loans | $315,696,500 | 1,737 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 2,297 |
| Cost of funding earning assets | 0.7547% | 458 |
| Net interest margin | 3.0396% | 3,328 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.3090% | 2,700 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 0.5088% | 4,079 |
| Return on assets (ROA) | 0.5127% | 4,026 |
| Pretax return on assets | 0.6269% | 3,983 |
| Return on Equity (ROE) | 7.8800% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.8760% | 1,885 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.0256% | 1,217 |
| Assets per employee ($millions) | 6.5986% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 2,852 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 71.9100% | 1,427 |
| Net loans and leases to deposits | 93.0957% | 839 |
| Net loans and leases to core deposits | 100.8152% | 956 |
| Total domestic deposits to total assets | 77.2500% | 4,147 |
| Equity capital to assets | 6.0953% | 4,057 |
| Core capital (leverage) ratio | 8.1559% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5137% | 2,860 |
| Memoranda: | ||
| Average total assets | $382,500,600 | 2,094 |
| Average earning assets | $358,830,200 | 2,072 |
| Average equity | $24,898,400 | 2,589 |
| Average total loans | $277,321,800 | 1,829 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6412% | 2,219 |
| Cost of funding earning assets | 0.4996% | 755 |
| Net interest margin | 3.1416% | 2,797 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.3499% | 2,478 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.5860% | 3,866 |
| Return on assets (ROA) | 0.5892% | 3,818 |
| Pretax return on assets | 0.7305% | 3,737 |
| Return on Equity (ROE) | 8.8900% | 3,068 |
| Retained earnings to average equity (ytd only) | 8.8879% | 1,685 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.1205% | 1,501 |
| Assets per employee ($millions) | 6.0168% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 2,925 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 72.2900% | 1,259 |
| Net loans and leases to deposits | 91.4143% | 799 |
| Net loans and leases to core deposits | 92.7362% | 1,153 |
| Total domestic deposits to total assets | 79.0800% | 4,174 |
| Equity capital to assets | 5.7926% | 4,038 |
| Core capital (leverage) ratio | 8.1944% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5721% | 2,924 |
| Memoranda: | ||
| Average total assets | $370,899,250 | 2,149 |
| Average earning assets | $348,268,000 | 2,134 |
| Average equity | $24,587,250 | 2,643 |
| Average total loans | $268,677,000 | 1,858 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5003% | 2,143 |
| Cost of funding earning assets | 0.4253% | 782 |
| Net interest margin | 3.0750% | 2,628 |
| Noninterest income to average assets | 0.2292% | 3,816 |
| Noninterest expense to average assets | 2.3382% | 2,431 |
| Loan and lease loss provision to assets | 0.1889% | 461 |
| Net operating income to assets | 0.4946% | 3,907 |
| Return on assets (ROA) | 0.4992% | 3,848 |
| Pretax return on assets | 0.5981% | 3,820 |
| Return on Equity (ROE) | 7.1988% | 3,252 |
| Retained earnings to average equity (ytd only) | 7.1988% | 1,920 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9513% | 1,393 |
| Assets per employee ($millions) | 6.2403% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 71.8889% | 1,114 |
| Net loans and leases to deposits | 89.4600% | 752 |
| Net loans and leases to core deposits | 90.4999% | 1,096 |
| Total domestic deposits to total assets | 80.3587% | 4,196 |
| Equity capital to assets | 5.9234% | 4,223 |
| Core capital (leverage) ratio | 8.1731% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3947% | 2,948 |
| Memoranda: | ||
| Average total assets | $362,163,333 | 2,188 |
| Average earning assets | $340,427,667 | 2,180 |
| Average equity | $25,115,333 | 2,677 |
| Average total loans | $261,466,000 | 1,888 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3564% | 2,223 |
| Cost of funding earning assets | 0.4405% | 690 |
| Net interest margin | 2.9159% | 2,782 |
| Noninterest income to average assets | 0.2051% | 3,930 |
| Noninterest expense to average assets | 2.3756% | 2,248 |
| Loan and lease loss provision to assets | 0.1133% | 736 |
| Net operating income to assets | 0.3864% | 3,986 |
| Return on assets (ROA) | 0.3978% | 3,925 |
| Pretax return on assets | 0.4760% | 3,911 |
| Return on Equity (ROE) | 5.3184% | 3,538 |
| Retained earnings to average equity (ytd only) | 5.3184% | 2,471 |
| Net charge-offs to loans | -0.0032% | 3,206 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4916% | 1,111 |
| Assets per employee ($millions) | 5.6513% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 3,308 |
| Loan loss allowance to noncurrent loans | 8,364.7059% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,975 |
| Noncurrent loans to loans | 0.0132% | 3,919 |
| Net loans and leases to total assets | 71.5595% | 873 |
| Net loans and leases to deposits | 83.8017% | 892 |
| Net loans and leases to core deposits | 86.2988% | 1,111 |
| Total domestic deposits to total assets | 85.3914% | 3,443 |
| Equity capital to assets | 7.0502% | 4,192 |
| Core capital (leverage) ratio | 8.1382% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5863% | 2,967 |
| Memoranda: | ||
| Average total assets | $352,916,500 | 2,241 |
| Average earning assets | $332,384,000 | 2,227 |
| Average equity | $26,399,000 | 2,688 |
| Average total loans | $253,832,000 | 1,918 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 2,253 |
| Cost of funding earning assets | 0.5445% | 736 |
| Net interest margin | 3.1057% | 2,887 |
| Noninterest income to average assets | 0.3293% | 3,442 |
| Noninterest expense to average assets | 2.2548% | 2,930 |
| Loan and lease loss provision to assets | 0.1131% | 1,113 |
| Net operating income to assets | 0.7047% | 3,615 |
| Return on assets (ROA) | 0.8110% | 3,372 |
| Pretax return on assets | 1.0408% | 3,152 |
| Return on Equity (ROE) | 10.3076% | 2,412 |
| Retained earnings to average equity (ytd only) | 10.3076% | 843 |
| Net charge-offs to loans | -0.0071% | 3,639 |
| Credit loss provision to net charge-offs | -2,194.1176% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8675% | 1,871 |
| Assets per employee ($millions) | 5.7345% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 3,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 70.6983% | 961 |
| Net loans and leases to deposits | 84.2540% | 892 |
| Net loans and leases to core deposits | 87.9072% | 1,082 |
| Total domestic deposits to total assets | 83.9109% | 3,587 |
| Equity capital to assets | 7.9179% | 4,406 |
| Core capital (leverage) ratio | 8.1495% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7911% | 2,934 |
| Memoranda: | ||
| Average total assets | $329,833,200 | 2,295 |
| Average earning assets | $312,752,400 | 2,268 |
| Average equity | $25,951,600 | 2,786 |
| Average total loans | $239,041,600 | 1,993 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 2,140 |
| Cost of funding earning assets | 0.5737% | 728 |
| Net interest margin | 3.1782% | 2,798 |
| Noninterest income to average assets | 0.3665% | 3,264 |
| Noninterest expense to average assets | 2.2197% | 3,007 |
| Loan and lease loss provision to assets | 0.1204% | 981 |
| Net operating income to assets | 0.7976% | 3,524 |
| Return on assets (ROA) | 0.9416% | 3,197 |
| Pretax return on assets | 1.2264% | 2,843 |
| Return on Equity (ROE) | 11.9873% | 2,049 |
| Retained earnings to average equity (ytd only) | 11.9873% | 840 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5913% | 2,162 |
| Assets per employee ($millions) | 6.0253% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 69.5985% | 1,117 |
| Net loans and leases to deposits | 82.3216% | 1,091 |
| Net loans and leases to core deposits | 85.3144% | 1,336 |
| Total domestic deposits to total assets | 84.5447% | 3,284 |
| Equity capital to assets | 8.1703% | 4,429 |
| Core capital (leverage) ratio | 8.4359% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9957% | 2,967 |
| Memoranda: | ||
| Average total assets | $324,841,000 | 2,345 |
| Average earning assets | $308,426,500 | 2,314 |
| Average equity | $25,515,250 | 2,846 |
| Average total loans | $236,290,500 | 2,051 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 1,597 |
| Cost of funding earning assets | 0.5981% | 753 |
| Net interest margin | 3.3870% | 2,180 |
| Noninterest income to average assets | 0.4129% | 3,048 |
| Noninterest expense to average assets | 2.2012% | 3,089 |
| Loan and lease loss provision to assets | 0.1185% | 1,067 |
| Net operating income to assets | 0.9849% | 2,943 |
| Return on assets (ROA) | 1.1514% | 2,420 |
| Pretax return on assets | 1.5257% | 1,939 |
| Return on Equity (ROE) | 14.8685% | 1,198 |
| Retained earnings to average equity (ytd only) | 14.8685% | 450 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5629% | 2,934 |
| Assets per employee ($millions) | 6.1003% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 3,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.2049% | 1,054 |
| Net loans and leases to deposits | 89.3825% | 686 |
| Net loans and leases to core deposits | 93.1030% | 950 |
| Total domestic deposits to total assets | 79.6631% | 4,274 |
| Equity capital to assets | 8.1167% | 4,473 |
| Core capital (leverage) ratio | 8.6886% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5915% | 2,835 |
| Memoranda: | ||
| Average total assets | $320,648,667 | 2,356 |
| Average earning assets | $304,988,667 | 2,322 |
| Average equity | $24,831,000 | 2,890 |
| Average total loans | $235,893,000 | 2,058 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6397% | 615 |
| Cost of funding earning assets | 0.6295% | 762 |
| Net interest margin | 4.0102% | 830 |
| Noninterest income to average assets | 0.2439% | 3,935 |
| Noninterest expense to average assets | 2.1813% | 3,166 |
| Loan and lease loss provision to assets | 0.0421% | 2,220 |
| Net operating income to assets | 1.3588% | 1,663 |
| Return on assets (ROA) | 1.5223% | 1,342 |
| Pretax return on assets | 2.0510% | 872 |
| Return on Equity (ROE) | 20.1777% | 518 |
| Retained earnings to average equity (ytd only) | 20.1777% | 264 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6264% | 3,830 |
| Assets per employee ($millions) | 6.1715% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 3,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 73.9605% | 821 |
| Net loans and leases to deposits | 95.6999% | 417 |
| Net loans and leases to core deposits | 97.9026% | 808 |
| Total domestic deposits to total assets | 77.2837% | 4,496 |
| Equity capital to assets | 7.9369% | 4,526 |
| Core capital (leverage) ratio | 8.6935% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5187% | 2,811 |
| Memoranda: | ||
| Average total assets | $313,213,500 | 2,380 |
| Average earning assets | $298,640,500 | 2,342 |
| Average equity | $23,630,000 | 2,955 |
| Average total loans | $233,115,500 | 2,078 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 2,260 |
| Cost of funding earning assets | 0.9282% | 771 |
| Net interest margin | 3.2282% | 3,278 |
| Noninterest income to average assets | 0.2596% | 3,928 |
| Noninterest expense to average assets | 2.1431% | 3,846 |
| Loan and lease loss provision to assets | 0.3319% | 1,078 |
| Net operating income to assets | 0.6688% | 3,527 |
| Return on assets (ROA) | 0.8463% | 3,048 |
| Pretax return on assets | 1.0945% | 2,715 |
| Return on Equity (ROE) | 11.2909% | 1,528 |
| Retained earnings to average equity (ytd only) | 11.2909% | 401 |
| Net charge-offs to loans | 0.0310% | 2,413 |
| Credit loss provision to net charge-offs | 1,458.0645% | 571 |
| Earnings coverage of net charge-offs (x) | 52.7903% | 1,148 |
| Efficiency ratio | 64.0724% | 2,810 |
| Assets per employee ($millions) | 6.2348% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 3,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 73.3666% | 1,109 |
| Net loans and leases to deposits | 94.8572% | 611 |
| Net loans and leases to core deposits | 96.3811% | 1,096 |
| Total domestic deposits to total assets | 77.3442% | 4,379 |
| Equity capital to assets | 7.1321% | 4,903 |
| Core capital (leverage) ratio | 7.6383% | 4,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9587% | 3,082 |
| Memoranda: | ||
| Average total assets | $272,359,600 | 2,448 |
| Average earning assets | $260,299,400 | 2,400 |
| Average equity | $20,414,600 | 3,147 |
| Average total loans | $199,803,200 | 2,237 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5085% | 4,196 |
| Cost of funding earning assets | 0.9946% | 772 |
| Net interest margin | 2.5139% | 4,649 |
| Noninterest income to average assets | 1.1850% | 758 |
| Noninterest expense to average assets | 2.1408% | 3,847 |
| Loan and lease loss provision to assets | 0.2454% | 1,654 |
| Net operating income to assets | 0.8611% | 2,856 |
| Return on assets (ROA) | 1.1052% | 2,089 |
| Pretax return on assets | 1.5122% | 1,427 |
| Return on Equity (ROE) | 14.5413% | 783 |
| Retained earnings to average equity (ytd only) | 14.5413% | 223 |
| Net charge-offs to loans | 0.0311% | 2,212 |
| Credit loss provision to net charge-offs | 1,080.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 63.7556% | 1,060 |
| Efficiency ratio | 59.6427% | 3,439 |
| Assets per employee ($millions) | 7.1262% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 4,113 |
| Loan loss allowance to noncurrent loans | 11,476.4706% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,494 |
| Noncurrent loans to loans | 0.0077% | 4,419 |
| Net loans and leases to total assets | 72.9690% | 1,505 |
| Net loans and leases to deposits | 97.6857% | 645 |
| Net loans and leases to core deposits | 99.5184% | 1,191 |
| Total domestic deposits to total assets | 74.6977% | 4,527 |
| Equity capital to assets | 7.1724% | 4,922 |
| Core capital (leverage) ratio | 7.8370% | 4,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0155% | 2,919 |
| Memoranda: | ||
| Average total assets | $264,072,750 | 2,480 |
| Average earning assets | $252,562,250 | 2,433 |
| Average equity | $20,071,000 | 3,181 |
| Average total loans | $193,131,000 | 2,293 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6334% | 4,209 |
| Cost of funding earning assets | 1.0652% | 802 |
| Net interest margin | 2.5682% | 4,687 |
| Noninterest income to average assets | 1.6732% | 378 |
| Noninterest expense to average assets | 2.2201% | 3,719 |
| Loan and lease loss provision to assets | 0.3567% | 1,182 |
| Net operating income to assets | 1.0921% | 1,997 |
| Return on assets (ROA) | 1.3482% | 1,321 |
| Pretax return on assets | 1.8761% | 702 |
| Return on Equity (ROE) | 17.3521% | 418 |
| Retained earnings to average equity (ytd only) | 17.3521% | 132 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7723% | 4,204 |
| Assets per employee ($millions) | 6.8034% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 4,013 |
| Loan loss allowance to noncurrent loans | 441.4414% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 3,745 |
| Noncurrent loans to loans | 0.2033% | 3,654 |
| Net loans and leases to total assets | 75.7445% | 1,177 |
| Net loans and leases to deposits | 99.1475% | 600 |
| Net loans and leases to core deposits | 101.5583% | 1,148 |
| Total domestic deposits to total assets | 76.3958% | 4,387 |
| Equity capital to assets | 7.3420% | 4,916 |
| Core capital (leverage) ratio | 7.4214% | 4,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5767% | 2,781 |
| Memoranda: | ||
| Average total assets | $252,330,000 | 2,532 |
| Average earning assets | $241,260,667 | 2,482 |
| Average equity | $19,605,667 | 3,216 |
| Average total loans | $184,058,667 | 2,367 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8303% | 4,171 |
| Cost of funding earning assets | 1.1743% | 835 |
| Net interest margin | 2.6559% | 4,709 |
| Noninterest income to average assets | 0.2767% | 3,867 |
| Noninterest expense to average assets | 2.2273% | 3,937 |
| Loan and lease loss provision to assets | 0.1681% | 1,747 |
| Net operating income to assets | 0.2749% | 4,401 |
| Return on assets (ROA) | 0.3769% | 4,219 |
| Pretax return on assets | 0.5483% | 4,039 |
| Return on Equity (ROE) | 4.6937% | 3,744 |
| Retained earnings to average equity (ytd only) | 4.6937% | 2,419 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1315% | 1,223 |
| Assets per employee ($millions) | 6.1732% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 3,920 |
| Loan loss allowance to noncurrent loans | 580.8664% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 4,047 |
| Noncurrent loans to loans | 0.1639% | 3,875 |
| Net loans and leases to total assets | 69.5318% | 2,320 |
| Net loans and leases to deposits | 83.1382% | 2,317 |
| Net loans and leases to core deposits | 87.0856% | 2,589 |
| Total domestic deposits to total assets | 83.6341% | 2,909 |
| Equity capital to assets | 7.9832% | 4,971 |
| Core capital (leverage) ratio | 8.1593% | 4,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2502% | 3,287 |
| Memoranda: | ||
| Average total assets | $235,624,500 | 2,592 |
| Average earning assets | $225,155,000 | 2,536 |
| Average equity | $18,919,000 | 3,284 |
| Average total loans | $166,891,500 | 2,473 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 4,221 |
| Cost of funding earning assets | 1.2728% | 832 |
| Net interest margin | 2.7437% | 4,798 |
| Noninterest income to average assets | 0.1511% | 4,738 |
| Noninterest expense to average assets | 2.2449% | 4,075 |
| Loan and lease loss provision to assets | 0.0488% | 3,048 |
| Net operating income to assets | 0.3842% | 4,623 |
| Return on assets (ROA) | 0.4343% | 4,565 |
| Pretax return on assets | 0.5412% | 4,505 |
| Return on Equity (ROE) | 5.5042% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.5042% | 2,161 |
| Net charge-offs to loans | -0.0019% | 4,221 |
| Credit loss provision to net charge-offs | -3,533.3333% | 4,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9769% | 867 |
| Assets per employee ($millions) | 6.0656% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 3,892 |
| Loan loss allowance to noncurrent loans | 5,206.8966% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 4,601 |
| Noncurrent loans to loans | 0.0176% | 4,504 |
| Net loans and leases to total assets | 70.8317% | 2,274 |
| Net loans and leases to deposits | 82.9170% | 2,453 |
| Net loans and leases to core deposits | 88.4491% | 2,568 |
| Total domestic deposits to total assets | 85.4247% | 2,334 |
| Equity capital to assets | 8.0775% | 5,046 |
| Core capital (leverage) ratio | 8.2108% | 4,970 |
| Tier 1 risk-based capital ratio | 10.6368% | 4,977 |
| Total risk-based capital ratio | 11.4952% | 5,022 |
| Memoranda: | ||
| Average total assets | $217,109,600 | 2,688 |
| Average earning assets | $207,418,200 | 2,632 |
| Average equity | $17,132,400 | 3,417 |
| Average total loans | $155,344,200 | 2,567 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 4,252 |
| Cost of funding earning assets | 1.2716% | 857 |
| Net interest margin | 2.7796% | 4,874 |
| Noninterest income to average assets | 0.1416% | 4,828 |
| Noninterest expense to average assets | 2.1855% | 4,208 |
| Loan and lease loss provision to assets | 0.0487% | 2,924 |
| Net operating income to assets | 0.4440% | 4,634 |
| Return on assets (ROA) | 0.5046% | 4,552 |
| Pretax return on assets | 0.6387% | 4,470 |
| Return on Equity (ROE) | 6.4354% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.4354% | 2,148 |
| Net charge-offs to loans | -0.0026% | 4,087 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1619% | 1,085 |
| Assets per employee ($millions) | 5.7946% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 3,786 |
| Loan loss allowance to noncurrent loans | 6,175.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 4,707 |
| Noncurrent loans to loans | 0.0155% | 4,606 |
| Net loans and leases to total assets | 67.7204% | 2,832 |
| Net loans and leases to deposits | 79.3286% | 2,971 |
| Net loans and leases to core deposits | 84.1698% | 3,079 |
| Total domestic deposits to total assets | 85.3669% | 2,265 |
| Equity capital to assets | 7.9818% | 5,134 |
| Core capital (leverage) ratio | 8.1485% | 5,075 |
| Tier 1 risk-based capital ratio | 11.2825% | 4,769 |
| Total risk-based capital ratio | 12.2076% | 4,809 |
| Memoranda: | ||
| Average total assets | $213,763,750 | 2,738 |
| Average earning assets | $204,152,250 | 2,683 |
| Average equity | $16,761,000 | 3,486 |
| Average total loans | $152,987,250 | 2,615 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0832% | 4,202 |
| Cost of funding earning assets | 1.2504% | 863 |
| Net interest margin | 2.8327% | 4,890 |
| Noninterest income to average assets | 0.1249% | 4,946 |
| Noninterest expense to average assets | 2.1422% | 4,343 |
| Loan and lease loss provision to assets | 0.0496% | 2,830 |
| Net operating income to assets | 0.5029% | 4,522 |
| Return on assets (ROA) | 0.5217% | 4,508 |
| Pretax return on assets | 0.6600% | 4,427 |
| Return on Equity (ROE) | 6.6971% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.6971% | 1,953 |
| Net charge-offs to loans | -0.0026% | 4,006 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7504% | 1,427 |
| Assets per employee ($millions) | 5.5517% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 3,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 72.9386% | 2,070 |
| Net loans and leases to deposits | 86.3937% | 2,213 |
| Net loans and leases to core deposits | 91.7791% | 2,434 |
| Total domestic deposits to total assets | 84.4259% | 2,717 |
| Equity capital to assets | 8.0070% | 5,174 |
| Core capital (leverage) ratio | 8.0801% | 5,144 |
| Tier 1 risk-based capital ratio | 10.7117% | 5,035 |
| Total risk-based capital ratio | 11.6278% | 5,066 |
| Memoranda: | ||
| Average total assets | $209,689,000 | 2,787 |
| Average earning assets | $200,089,330 | 2,735 |
| Average equity | $16,335,330 | 3,532 |
| Average total loans | $152,475,670 | 2,637 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 4,286 |
| Cost of funding earning assets | 1.1994% | 903 |
| Net interest margin | 2.8380% | 4,950 |
| Noninterest income to average assets | 0.1110% | 5,041 |
| Noninterest expense to average assets | 2.0512% | 4,553 |
| Loan and lease loss provision to assets | 0.0210% | 3,166 |
| Net operating income to assets | 0.5694% | 4,338 |
| Return on assets (ROA) | 0.5951% | 4,291 |
| Pretax return on assets | 0.7788% | 4,101 |
| Return on Equity (ROE) | 7.7474% | 3,360 |
| Retained earnings to average equity (ytd only) | 7.7474% | 1,756 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7766% | 1,914 |
| Assets per employee ($millions) | 6.3341% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 4,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 71.4803% | 2,258 |
| Net loans and leases to deposits | 84.6358% | 2,309 |
| Net loans and leases to core deposits | 92.8595% | 2,223 |
| Total domestic deposits to total assets | 84.4563% | 2,864 |
| Equity capital to assets | 7.8202% | 5,221 |
| Core capital (leverage) ratio | 8.1361% | 5,165 |
| Tier 1 risk-based capital ratio | 10.8697% | 5,035 |
| Total risk-based capital ratio | 11.7844% | 5,074 |
| Memoranda: | ||
| Average total assets | $209,051,000 | 2,817 |
| Average earning assets | $199,436,000 | 2,769 |
| Average equity | $16,057,000 | 3,574 |
| Average total loans | $151,048,500 | 2,677 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9009% | 4,273 |
| Cost of funding earning assets | 0.8607% | 1,261 |
| Net interest margin | 3.0402% | 4,749 |
| Noninterest income to average assets | 0.1566% | 4,938 |
| Noninterest expense to average assets | 2.1226% | 4,512 |
| Loan and lease loss provision to assets | 0.1051% | 2,092 |
| Net operating income to assets | 0.6062% | 4,398 |
| Return on assets (ROA) | 0.6062% | 4,407 |
| Pretax return on assets | 0.8186% | 4,120 |
| Return on Equity (ROE) | 7.7091% | 3,571 |
| Retained earnings to average equity (ytd only) | 7.7091% | 1,372 |
| Net charge-offs to loans | 0.0120% | 3,279 |
| Credit loss provision to net charge-offs | 1,188.2353% | 338 |
| Earnings coverage of net charge-offs (x) | 104.4118% | 721 |
| Efficiency ratio | 69.6789% | 2,245 |
| Assets per employee ($millions) | 6.3357% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 4,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.6828% | 2,315 |
| Net loans and leases to deposits | 86.4534% | 2,223 |
| Net loans and leases to core deposits | 91.7620% | 2,429 |
| Total domestic deposits to total assets | 82.9150% | 3,357 |
| Equity capital to assets | 7.5417% | 5,276 |
| Core capital (leverage) ratio | 8.1249% | 5,197 |
| Tier 1 risk-based capital ratio | 10.6444% | 5,127 |
| Total risk-based capital ratio | 11.5500% | 5,160 |
| Memoranda: | ||
| Average total assets | $192,166,400 | 2,942 |
| Average earning assets | $182,652,200 | 2,890 |
| Average equity | $15,112,000 | 3,628 |
| Average total loans | $141,802,200 | 2,748 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 4,337 |
| Cost of funding earning assets | 0.7946% | 1,367 |
| Net interest margin | 3.0463% | 4,785 |
| Noninterest income to average assets | 0.1731% | 4,919 |
| Noninterest expense to average assets | 2.1588% | 4,408 |
| Loan and lease loss provision to assets | 0.1050% | 1,914 |
| Net operating income to assets | 0.5895% | 4,528 |
| Return on assets (ROA) | 0.5895% | 4,537 |
| Pretax return on assets | 0.8031% | 4,281 |
| Return on Equity (ROE) | 7.4122% | 3,782 |
| Retained earnings to average equity (ytd only) | 7.4122% | 1,922 |
| Net charge-offs to loans | -0.0038% | 4,177 |
| Credit loss provision to net charge-offs | -3,700.0000% | 4,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3909% | 2,139 |
| Assets per employee ($millions) | 5.8258% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 4,108 |
| Loan loss allowance to noncurrent loans | 1,314.4231% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 4,696 |
| Noncurrent loans to loans | 0.0713% | 4,557 |
| Net loans and leases to total assets | 75.1789% | 1,785 |
| Net loans and leases to deposits | 91.9082% | 1,637 |
| Net loans and leases to core deposits | 96.8798% | 2,034 |
| Total domestic deposits to total assets | 81.7978% | 3,670 |
| Equity capital to assets | 7.9006% | 5,210 |
| Core capital (leverage) ratio | 8.3291% | 5,188 |
| Tier 1 risk-based capital ratio | 10.6806% | 5,182 |
| Total risk-based capital ratio | 11.5856% | 5,206 |
| Memoranda: | ||
| Average total assets | $187,938,500 | 3,005 |
| Average earning assets | $178,531,750 | 2,961 |
| Average equity | $14,948,000 | 3,672 |
| Average total loans | $139,434,250 | 2,792 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 4,559 |
| Cost of funding earning assets | 0.7359% | 1,440 |
| Net interest margin | 2.9741% | 4,911 |
| Noninterest income to average assets | 0.1705% | 4,972 |
| Noninterest expense to average assets | 2.1598% | 4,463 |
| Loan and lease loss provision to assets | 0.1641% | 1,125 |
| Net operating income to assets | 0.4804% | 4,793 |
| Return on assets (ROA) | 0.4804% | 4,797 |
| Pretax return on assets | 0.6724% | 4,579 |
| Return on Equity (ROE) | 6.0265% | 4,231 |
| Retained earnings to average equity (ytd only) | 6.0265% | 2,545 |
| Net charge-offs to loans | -0.0044% | 4,070 |
| Credit loss provision to net charge-offs | -5,100.0000% | 4,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0830% | 1,994 |
| Assets per employee ($millions) | 5.7534% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,987 |
| Loan loss allowance to noncurrent loans | 219.8718% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 3,448 |
| Noncurrent loans to loans | 0.4431% | 3,107 |
| Net loans and leases to total assets | 73.4486% | 2,049 |
| Net loans and leases to deposits | 87.4252% | 2,168 |
| Net loans and leases to core deposits | 91.9261% | 2,411 |
| Total domestic deposits to total assets | 84.0131% | 3,060 |
| Equity capital to assets | 7.8678% | 5,270 |
| Core capital (leverage) ratio | 8.4461% | 5,145 |
| Tier 1 risk-based capital ratio | 10.7779% | 5,157 |
| Total risk-based capital ratio | 11.7167% | 5,182 |
| Memoranda: | ||
| Average total assets | $186,500,670 | 3,032 |
| Average earning assets | $177,198,330 | 2,992 |
| Average equity | $14,867,670 | 3,697 |
| Average total loans | $137,279,000 | 2,829 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6717% | 4,534 |
| Cost of funding earning assets | 0.6651% | 1,628 |
| Net interest margin | 3.0066% | 4,873 |
| Noninterest income to average assets | 0.1602% | 5,060 |
| Noninterest expense to average assets | 2.1816% | 4,458 |
| Loan and lease loss provision to assets | 0.1472% | 1,247 |
| Net operating income to assets | 0.4112% | 4,909 |
| Return on assets (ROA) | 0.4112% | 4,911 |
| Pretax return on assets | 0.6882% | 4,471 |
| Return on Equity (ROE) | 5.1239% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.1239% | 3,112 |
| Net charge-offs to loans | -0.0030% | 3,868 |
| Credit loss provision to net charge-offs | -6,800.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3099% | 2,147 |
| Assets per employee ($millions) | 5.7623% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 4,214 |
| Loan loss allowance to noncurrent loans | 223.4783% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 3,588 |
| Noncurrent loans to loans | 0.4252% | 3,264 |
| Net loans and leases to total assets | 72.6414% | 2,069 |
| Net loans and leases to deposits | 86.0464% | 2,163 |
| Net loans and leases to core deposits | 113.5416% | 827 |
| Total domestic deposits to total assets | 84.4212% | 3,138 |
| Equity capital to assets | 7.9835% | 5,277 |
| Core capital (leverage) ratio | 8.4771% | 5,155 |
| Tier 1 risk-based capital ratio | 10.9364% | 5,164 |
| Total risk-based capital ratio | 11.8435% | 5,222 |
| Memoranda: | ||
| Average total assets | $184,820,000 | 3,082 |
| Average earning assets | $175,612,500 | 3,035 |
| Average equity | $14,832,500 | 3,730 |
| Average total loans | $135,507,000 | 2,866 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 4,607 |
| Cost of funding earning assets | 0.5861% | 1,703 |
| Net interest margin | 2.9954% | 4,896 |
| Noninterest income to average assets | 0.2119% | 4,882 |
| Noninterest expense to average assets | 2.1278% | 4,698 |
| Loan and lease loss provision to assets | 0.0179% | 3,941 |
| Net operating income to assets | 0.6361% | 3,867 |
| Return on assets (ROA) | 0.6392% | 3,892 |
| Pretax return on assets | 0.9218% | 3,836 |
| Return on Equity (ROE) | 7.9846% | 2,803 |
| Retained earnings to average equity (ytd only) | 7.9846% | 773 |
| Net charge-offs to loans | -0.0031% | 4,574 |
| Credit loss provision to net charge-offs | -800.0000% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4673% | 2,629 |
| Assets per employee ($millions) | 5.6136% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 4,490 |
| Loan loss allowance to noncurrent loans | 4,676.9231% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 5,086 |
| Noncurrent loans to loans | 0.0191% | 4,932 |
| Net loans and leases to total assets | 72.6421% | 2,146 |
| Net loans and leases to deposits | 84.1802% | 2,476 |
| Net loans and leases to core deposits | 111.1866% | 939 |
| Total domestic deposits to total assets | 86.2935% | 2,316 |
| Equity capital to assets | 8.0670% | 5,368 |
| Core capital (leverage) ratio | 8.4069% | 5,217 |
| Tier 1 risk-based capital ratio | 10.8731% | 5,219 |
| Total risk-based capital ratio | 11.7371% | 5,281 |
| Memoranda: | ||
| Average total assets | $178,353,400 | 3,139 |
| Average earning assets | $169,759,400 | 3,080 |
| Average equity | $14,277,400 | 3,814 |
| Average total loans | $129,385,000 | 2,924 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5711% | 4,633 |
| Cost of funding earning assets | 0.5717% | 1,729 |
| Net interest margin | 2.9994% | 4,917 |
| Noninterest income to average assets | 0.1721% | 5,157 |
| Noninterest expense to average assets | 2.1083% | 4,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6314% | 4,269 |
| Return on assets (ROA) | 0.6356% | 4,309 |
| Pretax return on assets | 0.9255% | 3,950 |
| Return on Equity (ROE) | 7.9559% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.9559% | 1,240 |
| Net charge-offs to loans | -0.0031% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6335% | 2,595 |
| Assets per employee ($millions) | 5.8285% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 4,581 |
| Loan loss allowance to noncurrent loans | 4,381.4815% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 5,183 |
| Noncurrent loans to loans | 0.0205% | 5,038 |
| Net loans and leases to total assets | 72.3029% | 2,210 |
| Net loans and leases to deposits | 81.8248% | 2,793 |
| Net loans and leases to core deposits | 118.0832% | 653 |
| Total domestic deposits to total assets | 88.3630% | 1,192 |
| Equity capital to assets | 8.1037% | 5,478 |
| Core capital (leverage) ratio | 8.2794% | 5,380 |
| Tier 1 risk-based capital ratio | 10.8767% | 5,306 |
| Total risk-based capital ratio | 11.7430% | 5,386 |
| Memoranda: | ||
| Average total assets | $176,629,750 | 3,192 |
| Average earning assets | $168,160,000 | 3,125 |
| Average equity | $14,110,750 | 3,867 |
| Average total loans | $127,785,250 | 2,968 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5325% | 4,678 |
| Cost of funding earning assets | 0.5456% | 1,806 |
| Net interest margin | 2.9869% | 4,937 |
| Noninterest income to average assets | 0.1677% | 5,221 |
| Noninterest expense to average assets | 2.0972% | 4,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6321% | 4,153 |
| Return on assets (ROA) | 0.6321% | 4,205 |
| Pretax return on assets | 0.9128% | 3,890 |
| Return on Equity (ROE) | 7.9520% | 3,057 |
| Retained earnings to average equity (ytd only) | 7.9520% | 1,186 |
| Net charge-offs to loans | -0.0016% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6740% | 2,730 |
| Assets per employee ($millions) | 5.8682% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 4,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.9248% | 2,215 |
| Net loans and leases to deposits | 81.2281% | 2,776 |
| Net loans and leases to core deposits | 121.9094% | 493 |
| Total domestic deposits to total assets | 88.5467% | 1,180 |
| Equity capital to assets | 8.1740% | 5,460 |
| Core capital (leverage) ratio | 8.2872% | 5,366 |
| Tier 1 risk-based capital ratio | 10.9893% | 5,256 |
| Total risk-based capital ratio | 11.8803% | 5,338 |
| Memoranda: | ||
| Average total assets | $175,278,670 | 3,220 |
| Average earning assets | $166,794,670 | 3,154 |
| Average equity | $13,933,670 | 3,896 |
| Average total loans | $126,439,670 | 2,996 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4844% | 4,735 |
| Cost of funding earning assets | 0.5362% | 1,814 |
| Net interest margin | 2.9481% | 4,998 |
| Noninterest income to average assets | 0.2150% | 4,981 |
| Noninterest expense to average assets | 2.1110% | 4,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6289% | 4,023 |
| Return on assets (ROA) | 0.6289% | 4,073 |
| Pretax return on assets | 0.9080% | 3,739 |
| Return on Equity (ROE) | 8.0260% | 2,911 |
| Retained earnings to average equity (ytd only) | 8.0260% | 1,449 |
| Net charge-offs to loans | -0.0032% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9242% | 2,908 |
| Assets per employee ($millions) | 5.8605% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 4,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 71.6412% | 2,122 |
| Net loans and leases to deposits | 81.5154% | 2,570 |
| Net loans and leases to core deposits | 126.9590% | 305 |
| Total domestic deposits to total assets | 87.8867% | 1,776 |
| Equity capital to assets | 7.8935% | 5,568 |
| Core capital (leverage) ratio | 8.2369% | 5,414 |
| Tier 1 risk-based capital ratio | 10.9647% | 5,330 |
| Total risk-based capital ratio | 11.8711% | 5,408 |
| Memoranda: | ||
| Average total assets | $174,895,500 | 3,254 |
| Average earning assets | $166,342,500 | 3,186 |
| Average equity | $13,705,500 | 3,960 |
| Average total loans | $125,759,000 | 3,029 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5782% | 4,568 |
| Cost of funding earning assets | 0.4682% | 2,372 |
| Net interest margin | 3.1101% | 4,704 |
| Noninterest income to average assets | 0.1950% | 5,241 |
| Noninterest expense to average assets | 2.2231% | 4,721 |
| Loan and lease loss provision to assets | 0.0881% | 2,601 |
| Net operating income to assets | 0.5836% | 4,275 |
| Return on assets (ROA) | 0.6259% | 4,217 |
| Pretax return on assets | 0.8945% | 3,868 |
| Return on Equity (ROE) | 7.8495% | 3,028 |
| Retained earnings to average equity (ytd only) | 7.8495% | 904 |
| Net charge-offs to loans | 0.0378% | 3,273 |
| Credit loss provision to net charge-offs | 318.1818% | 935 |
| Earnings coverage of net charge-offs (x) | 33.3182% | 1,342 |
| Efficiency ratio | 70.6800% | 2,798 |
| Assets per employee ($millions) | 5.7992% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 4,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 70.8149% | 2,368 |
| Net loans and leases to deposits | 81.2270% | 2,761 |
| Net loans and leases to core deposits | 130.4101% | 280 |
| Total domestic deposits to total assets | 87.1816% | 2,039 |
| Equity capital to assets | 7.7787% | 5,642 |
| Core capital (leverage) ratio | 8.1600% | 5,526 |
| Tier 1 risk-based capital ratio | 10.9453% | 5,371 |
| Total risk-based capital ratio | 11.8671% | 5,438 |
| Memoranda: | ||
| Average total assets | $158,968,800 | 3,409 |
| Average earning assets | $150,801,000 | 3,359 |
| Average equity | $12,676,000 | 4,139 |
| Average total loans | $116,453,200 | 3,121 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5934% | 4,574 |
| Cost of funding earning assets | 0.4449% | 2,602 |
| Net interest margin | 3.1485% | 4,644 |
| Noninterest income to average assets | 0.1924% | 5,311 |
| Noninterest expense to average assets | 2.2815% | 4,578 |
| Loan and lease loss provision to assets | 0.1795% | 1,240 |
| Net operating income to assets | 0.5092% | 4,662 |
| Return on assets (ROA) | 0.5678% | 4,527 |
| Pretax return on assets | 0.7989% | 4,316 |
| Return on Equity (ROE) | 7.0721% | 3,527 |
| Retained earnings to average equity (ytd only) | 7.0721% | 1,588 |
| Net charge-offs to loans | 0.0513% | 2,637 |
| Credit loss provision to net charge-offs | 475.0000% | 740 |
| Earnings coverage of net charge-offs (x) | 23.7026% | 1,708 |
| Efficiency ratio | 71.8032% | 2,604 |
| Assets per employee ($millions) | 5.7593% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 4,197 |
| Loan loss allowance to noncurrent loans | 251.3078% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 4,279 |
| Noncurrent loans to loans | 0.4129% | 3,794 |
| Net loans and leases to total assets | 68.9364% | 2,652 |
| Net loans and leases to deposits | 76.6232% | 3,336 |
| Net loans and leases to core deposits | 127.7986% | 338 |
| Total domestic deposits to total assets | 89.9681% | 493 |
| Equity capital to assets | 7.8233% | 5,789 |
| Core capital (leverage) ratio | 8.2730% | 5,517 |
| Tier 1 risk-based capital ratio | 10.8910% | 5,429 |
| Total risk-based capital ratio | 11.9003% | 5,466 |
| Memoranda: | ||
| Average total assets | $155,217,000 | 3,462 |
| Average earning assets | $147,155,500 | 3,419 |
| Average equity | $12,461,750 | 4,210 |
| Average total loans | $114,471,250 | 3,162 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6572% | 4,421 |
| Cost of funding earning assets | 0.4259% | 2,770 |
| Net interest margin | 3.2314% | 4,439 |
| Noninterest income to average assets | 0.1928% | 5,340 |
| Noninterest expense to average assets | 2.3326% | 4,520 |
| Loan and lease loss provision to assets | 0.2584% | 736 |
| Net operating income to assets | 0.4770% | 4,778 |
| Return on assets (ROA) | 0.5329% | 4,664 |
| Pretax return on assets | 0.7378% | 4,504 |
| Return on Equity (ROE) | 6.5731% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.5731% | 1,832 |
| Net charge-offs to loans | 0.0782% | 2,073 |
| Credit loss provision to net charge-offs | 438.6364% | 727 |
| Earnings coverage of net charge-offs (x) | 15.5909% | 1,982 |
| Efficiency ratio | 71.7463% | 2,706 |
| Assets per employee ($millions) | 5.3508% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 4,298 |
| Loan loss allowance to noncurrent loans | 245.1292% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 3,558 |
| Noncurrent loans to loans | 0.4235% | 3,834 |
| Net loans and leases to total assets | 75.7479% | 1,530 |
| Net loans and leases to deposits | 84.5278% | 2,403 |
| Net loans and leases to core deposits | 137.9832% | 207 |
| Total domestic deposits to total assets | 89.6130% | 631 |
| Equity capital to assets | 7.9723% | 5,815 |
| Core capital (leverage) ratio | 8.3399% | 5,499 |
| Tier 1 risk-based capital ratio | 10.3607% | 5,740 |
| Total risk-based capital ratio | 11.3980% | 5,747 |
| Memoranda: | ||
| Average total assets | $149,363,330 | 3,572 |
| Average earning assets | $141,363,330 | 3,517 |
| Average equity | $12,110,000 | 4,300 |
| Average total loans | $112,509,670 | 3,197 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6915% | 4,353 |
| Cost of funding earning assets | 0.4246% | 2,822 |
| Net interest margin | 3.2669% | 4,341 |
| Noninterest income to average assets | 0.1693% | 5,477 |
| Noninterest expense to average assets | 2.3461% | 4,532 |
| Loan and lease loss provision to assets | 0.4042% | 341 |
| Net operating income to assets | 0.3744% | 5,072 |
| Return on assets (ROA) | 0.4916% | 4,764 |
| Pretax return on assets | 0.6664% | 4,634 |
| Return on Equity (ROE) | 6.0103% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.0103% | 2,369 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0034% | 2,802 |
| Assets per employee ($millions) | 5.4788% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 4,108 |
| Loan loss allowance to noncurrent loans | 143.4226% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 3,327 |
| Noncurrent loans to loans | 0.7602% | 2,931 |
| Net loans and leases to total assets | 75.5548% | 1,463 |
| Net loans and leases to deposits | 82.7810% | 2,457 |
| Net loans and leases to core deposits | 129.4367% | 280 |
| Total domestic deposits to total assets | 91.2707% | 205 |
| Equity capital to assets | 8.1621% | 5,760 |
| Core capital (leverage) ratio | 8.3878% | 5,488 |
| Tier 1 risk-based capital ratio | 10.6185% | 5,701 |
| Total risk-based capital ratio | 11.7001% | 5,690 |
| Memoranda: | ||
| Average total assets | $146,458,000 | 3,628 |
| Average earning assets | $138,479,500 | 3,581 |
| Average equity | $11,979,500 | 4,338 |
| Average total loans | $109,377,500 | 3,249 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6757% | 4,441 |
| Cost of funding earning assets | 0.4138% | 3,009 |
| Net interest margin | 3.2620% | 4,433 |
| Noninterest income to average assets | 0.3741% | 4,231 |
| Noninterest expense to average assets | 2.3067% | 4,766 |
| Loan and lease loss provision to assets | 0.0979% | 2,357 |
| Net operating income to assets | 0.7482% | 3,584 |
| Return on assets (ROA) | 0.7595% | 3,622 |
| Pretax return on assets | 1.0721% | 3,180 |
| Return on Equity (ROE) | 9.3962% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.3962% | 561 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6520% | 3,802 |
| Assets per employee ($millions) | 5.5765% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 4,467 |
| Loan loss allowance to noncurrent loans | 126.3403% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 3,311 |
| Noncurrent loans to loans | 0.8113% | 2,759 |
| Net loans and leases to total assets | 72.1938% | 2,016 |
| Net loans and leases to deposits | 82.1648% | 2,570 |
| Net loans and leases to core deposits | 121.0442% | 452 |
| Total domestic deposits to total assets | 87.8646% | 1,709 |
| Equity capital to assets | 8.1972% | 5,762 |
| Core capital (leverage) ratio | 8.5851% | 5,345 |
| Tier 1 risk-based capital ratio | 11.1272% | 5,456 |
| Total risk-based capital ratio | 12.1400% | 5,491 |
| Memoranda: | ||
| Average total assets | $131,792,400 | 3,854 |
| Average earning assets | $124,710,000 | 3,792 |
| Average equity | $10,653,200 | 4,544 |
| Average total loans | $94,766,800 | 3,482 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6931% | 4,441 |
| Cost of funding earning assets | 0.4177% | 3,033 |
| Net interest margin | 3.2754% | 4,443 |
| Noninterest income to average assets | 0.3362% | 4,540 |
| Noninterest expense to average assets | 2.2641% | 4,876 |
| Loan and lease loss provision to assets | 0.0591% | 3,002 |
| Net operating income to assets | 0.7765% | 3,547 |
| Return on assets (ROA) | 0.7917% | 3,556 |
| Pretax return on assets | 1.1352% | 3,074 |
| Return on Equity (ROE) | 9.8336% | 2,172 |
| Retained earnings to average equity (ytd only) | 9.8336% | 665 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8816% | 3,907 |
| Assets per employee ($millions) | 5.5424% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 4,649 |
| Loan loss allowance to noncurrent loans | 117.9487% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 3,413 |
| Noncurrent loans to loans | 0.8636% | 2,819 |
| Net loans and leases to total assets | 70.9685% | 2,239 |
| Net loans and leases to deposits | 77.6540% | 3,131 |
| Net loans and leases to core deposits | 113.7085% | 684 |
| Total domestic deposits to total assets | 91.3907% | 174 |
| Equity capital to assets | 8.0038% | 5,952 |
| Core capital (leverage) ratio | 8.4258% | 5,606 |
| Tier 1 risk-based capital ratio | 11.1000% | 5,612 |
| Total risk-based capital ratio | 12.1054% | 5,658 |
| Memoranda: | ||
| Average total assets | $128,493,250 | 3,960 |
| Average earning assets | $121,630,000 | 3,888 |
| Average equity | $10,345,250 | 4,646 |
| Average total loans | $92,019,250 | 3,575 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 4,363 |
| Cost of funding earning assets | 0.4211% | 3,031 |
| Net interest margin | 3.2949% | 4,318 |
| Noninterest income to average assets | 0.4251% | 3,886 |
| Noninterest expense to average assets | 2.2695% | 4,925 |
| Loan and lease loss provision to assets | 0.0240% | 3,656 |
| Net operating income to assets | 0.8655% | 3,060 |
| Return on assets (ROA) | 0.8886% | 3,065 |
| Pretax return on assets | 1.2914% | 2,397 |
| Return on Equity (ROE) | 11.0132% | 1,675 |
| Retained earnings to average equity (ytd only) | 11.0132% | 506 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9064% | 4,375 |
| Assets per employee ($millions) | 5.3630% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 4,558 |
| Loan loss allowance to noncurrent loans | 115.4762% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 3,455 |
| Noncurrent loans to loans | 0.9158% | 2,838 |
| Net loans and leases to total assets | 70.5080% | 2,242 |
| Net loans and leases to deposits | 81.0381% | 2,662 |
| Net loans and leases to core deposits | 111.5861% | 757 |
| Total domestic deposits to total assets | 87.0060% | 2,168 |
| Equity capital to assets | 8.0209% | 5,974 |
| Core capital (leverage) ratio | 8.4820% | 5,550 |
| Tier 1 risk-based capital ratio | 11.0120% | 5,703 |
| Total risk-based capital ratio | 12.0326% | 5,749 |
| Memoranda: | ||
| Average total assets | $125,137,670 | 4,055 |
| Average earning assets | $118,730,000 | 3,972 |
| Average equity | $10,097,000 | 4,727 |
| Average total loans | $89,577,000 | 3,650 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 4,494 |
| Cost of funding earning assets | 0.4254% | 3,012 |
| Net interest margin | 3.2363% | 4,465 |
| Noninterest income to average assets | 0.2724% | 5,001 |
| Noninterest expense to average assets | 2.3056% | 4,866 |
| Loan and lease loss provision to assets | 0.0486% | 2,956 |
| Net operating income to assets | 0.7072% | 3,759 |
| Return on assets (ROA) | 0.7556% | 3,644 |
| Pretax return on assets | 1.0701% | 3,216 |
| Return on Equity (ROE) | 9.3354% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.3354% | 1,090 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6957% | 3,712 |
| Assets per employee ($millions) | 5.3270% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 4,660 |
| Loan loss allowance to noncurrent loans | 113.1855% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 3,386 |
| Noncurrent loans to loans | 0.9454% | 2,886 |
| Net loans and leases to total assets | 73.1926% | 1,621 |
| Net loans and leases to deposits | 80.4545% | 2,514 |
| Net loans and leases to core deposits | 112.8580% | 615 |
| Total domestic deposits to total assets | 90.9739% | 378 |
| Equity capital to assets | 8.2589% | 5,898 |
| Core capital (leverage) ratio | 8.4145% | 5,613 |
| Tier 1 risk-based capital ratio | 11.1443% | 5,740 |
| Total risk-based capital ratio | 12.2102% | 5,757 |
| Memoranda: | ||
| Average total assets | $123,350,000 | 4,117 |
| Average earning assets | $117,540,500 | 4,028 |
| Average equity | $9,983,500 | 4,790 |
| Average total loans | $88,504,000 | 3,686 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 4,149 |
| Cost of funding earning assets | 0.4641% | 3,033 |
| Net interest margin | 3.4270% | 4,076 |
| Noninterest income to average assets | 0.2143% | 5,573 |
| Noninterest expense to average assets | 2.4633% | 4,659 |
| Loan and lease loss provision to assets | 0.0606% | 3,316 |
| Net operating income to assets | 0.6712% | 4,031 |
| Return on assets (ROA) | 0.6911% | 4,053 |
| Pretax return on assets | 0.9800% | 3,575 |
| Return on Equity (ROE) | 8.4687% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.4687% | 839 |
| Net charge-offs to loans | 0.0487% | 3,852 |
| Credit loss provision to net charge-offs | 172.5000% | 1,405 |
| Earnings coverage of net charge-offs (x) | 28.8250% | 1,384 |
| Efficiency ratio | 70.8691% | 3,398 |
| Assets per employee ($millions) | 5.6445% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 4,509 |
| Loan loss allowance to noncurrent loans | 93.4442% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.8230% | 3,153 |
| Noncurrent loans to loans | 1.1834% | 2,472 |
| Net loans and leases to total assets | 68.7771% | 2,446 |
| Net loans and leases to deposits | 79.3471% | 2,800 |
| Net loans and leases to core deposits | 109.2120% | 816 |
| Total domestic deposits to total assets | 86.6788% | 2,469 |
| Equity capital to assets | 7.9306% | 6,096 |
| Core capital (leverage) ratio | 8.4315% | 5,630 |
| Tier 1 risk-based capital ratio | 11.3167% | 5,759 |
| Total risk-based capital ratio | 12.4132% | 5,773 |
| Memoranda: | ||
| Average total assets | $113,873,000 | 4,304 |
| Average earning assets | $108,375,600 | 4,221 |
| Average equity | $9,293,000 | 4,903 |
| Average total loans | $82,122,200 | 3,816 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 3,963 |
| Cost of funding earning assets | 0.4761% | 2,990 |
| Net interest margin | 3.4740% | 3,928 |
| Noninterest income to average assets | 0.2096% | 5,678 |
| Noninterest expense to average assets | 2.4978% | 4,531 |
| Loan and lease loss provision to assets | 0.0551% | 3,271 |
| Net operating income to assets | 0.6792% | 4,052 |
| Return on assets (ROA) | 0.6792% | 4,138 |
| Pretax return on assets | 0.9608% | 3,755 |
| Return on Equity (ROE) | 8.2582% | 3,061 |
| Retained earnings to average equity (ytd only) | 8.2582% | 1,241 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0876% | 3,330 |
| Assets per employee ($millions) | 4.9618% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 4,314 |
| Loan loss allowance to noncurrent loans | 224.4804% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 4,785 |
| Noncurrent loans to loans | 0.5276% | 4,352 |
| Net loans and leases to total assets | 71.0676% | 2,015 |
| Net loans and leases to deposits | 77.7720% | 2,975 |
| Net loans and leases to core deposits | 107.1473% | 894 |
| Total domestic deposits to total assets | 91.3793% | 263 |
| Equity capital to assets | 8.4174% | 5,866 |
| Core capital (leverage) ratio | 8.5676% | 5,584 |
| Tier 1 risk-based capital ratio | 11.6760% | 5,681 |
| Total risk-based capital ratio | 12.8539% | 5,653 |
| Memoranda: | ||
| Average total assets | $111,296,750 | 4,394 |
| Average earning assets | $105,849,750 | 4,309 |
| Average equity | $9,154,250 | 4,971 |
| Average total loans | $81,062,500 | 3,877 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 3,768 |
| Cost of funding earning assets | 0.4834% | 2,994 |
| Net interest margin | 3.5058% | 3,767 |
| Noninterest income to average assets | 0.2066% | 5,719 |
| Noninterest expense to average assets | 2.4865% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7286% | 3,683 |
| Return on assets (ROA) | 0.7286% | 3,781 |
| Pretax return on assets | 1.0457% | 3,298 |
| Return on Equity (ROE) | 8.9297% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.9297% | 1,012 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3951% | 3,593 |
| Assets per employee ($millions) | 5.3465% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 4,711 |
| Loan loss allowance to noncurrent loans | 213.3641% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 4,856 |
| Noncurrent loans to loans | 0.5340% | 4,408 |
| Net loans and leases to total assets | 71.5567% | 1,819 |
| Net loans and leases to deposits | 78.4634% | 2,737 |
| Net loans and leases to core deposits | 106.9872% | 833 |
| Total domestic deposits to total assets | 91.1976% | 343 |
| Equity capital to assets | 8.3571% | 5,906 |
| Core capital (leverage) ratio | 8.3924% | 5,749 |
| Tier 1 risk-based capital ratio | 11.6446% | 5,720 |
| Total risk-based capital ratio | 12.7837% | 5,733 |
| Memoranda: | ||
| Average total assets | $110,355,330 | 4,440 |
| Average earning assets | $104,684,670 | 4,353 |
| Average equity | $9,003,670 | 5,029 |
| Average total loans | $80,725,000 | 3,889 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8769% | 4,189 |
| Cost of funding earning assets | 0.4832% | 3,086 |
| Net interest margin | 3.3937% | 4,144 |
| Noninterest income to average assets | 0.1609% | 6,010 |
| Noninterest expense to average assets | 2.5303% | 4,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6326% | 4,035 |
| Return on assets (ROA) | 0.6326% | 4,122 |
| Pretax return on assets | 0.8922% | 3,729 |
| Return on Equity (ROE) | 7.8511% | 3,013 |
| Retained earnings to average equity (ytd only) | 7.8511% | 1,657 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9316% | 3,154 |
| Assets per employee ($millions) | 5.0300% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 4,949 |
| Loan loss allowance to noncurrent loans | 210.9339% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 4,951 |
| Noncurrent loans to loans | 0.5386% | 4,558 |
| Net loans and leases to total assets | 72.8231% | 1,446 |
| Net loans and leases to deposits | 79.6029% | 2,352 |
| Net loans and leases to core deposits | 111.1669% | 541 |
| Total domestic deposits to total assets | 91.4829% | 383 |
| Equity capital to assets | 8.1140% | 5,965 |
| Core capital (leverage) ratio | 8.5522% | 5,581 |
| Tier 1 risk-based capital ratio | 11.3930% | 5,969 |
| Total risk-based capital ratio | 12.5352% | 5,974 |
| Memoranda: | ||
| Average total assets | $109,395,000 | 4,496 |
| Average earning assets | $105,136,500 | 4,383 |
| Average equity | $8,814,000 | 5,102 |
| Average total loans | $80,454,000 | 3,920 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0417% | 3,947 |
| Cost of funding earning assets | 0.5123% | 3,477 |
| Net interest margin | 3.5293% | 3,766 |
| Noninterest income to average assets | 0.3188% | 5,056 |
| Noninterest expense to average assets | 2.6881% | 4,134 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6998% | 3,795 |
| Return on assets (ROA) | 0.6998% | 3,881 |
| Pretax return on assets | 1.0138% | 3,296 |
| Return on Equity (ROE) | 9.1006% | 2,489 |
| Retained earnings to average equity (ytd only) | 9.1006% | 756 |
| Net charge-offs to loans | 0.0077% | 5,303 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 176.5000% | 261 |
| Efficiency ratio | 72.6144% | 3,365 |
| Assets per employee ($millions) | 5.1490% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 4,826 |
| Loan loss allowance to noncurrent loans | 671.0145% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 5,937 |
| Noncurrent loans to loans | 0.1738% | 5,681 |
| Net loans and leases to total assets | 72.5701% | 1,585 |
| Net loans and leases to deposits | 82.5227% | 2,127 |
| Net loans and leases to core deposits | 114.9339% | 445 |
| Total domestic deposits to total assets | 87.9395% | 2,210 |
| Equity capital to assets | 7.9987% | 6,020 |
| Core capital (leverage) ratio | 8.1332% | 6,028 |
| Tier 1 risk-based capital ratio | 11.5044% | 5,902 |
| Total risk-based capital ratio | 12.6917% | 5,876 |
| Memoranda: | ||
| Average total assets | $104,461,200 | 4,627 |
| Average earning assets | $100,132,000 | 4,514 |
| Average equity | $8,032,400 | 5,328 |
| Average total loans | $78,124,200 | 3,999 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 3,871 |
| Cost of funding earning assets | 0.5136% | 3,634 |
| Net interest margin | 3.5546% | 3,636 |
| Noninterest income to average assets | 0.3387% | 4,984 |
| Noninterest expense to average assets | 2.6552% | 4,180 |
| Loan and lease loss provision to assets | 0.0567% | 3,919 |
| Net operating income to assets | 0.7095% | 3,807 |
| Return on assets (ROA) | 0.7095% | 3,942 |
| Pretax return on assets | 1.0314% | 3,372 |
| Return on Equity (ROE) | 9.3250% | 2,472 |
| Retained earnings to average equity (ytd only) | 9.3250% | 956 |
| Net charge-offs to loans | 0.0103% | 4,940 |
| Credit loss provision to net charge-offs | 733.3333% | 396 |
| Earnings coverage of net charge-offs (x) | 140.8300% | 389 |
| Efficiency ratio | 70.9322% | 3,617 |
| Assets per employee ($millions) | 4.8218% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 4,723 |
| Loan loss allowance to noncurrent loans | 776.0000% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 6,074 |
| Noncurrent loans to loans | 0.1590% | 5,839 |
| Net loans and leases to total assets | 73.2143% | 1,415 |
| Net loans and leases to deposits | 79.7095% | 2,447 |
| Net loans and leases to core deposits | 113.1928% | 472 |
| Total domestic deposits to total assets | 91.8514% | 269 |
| Equity capital to assets | 7.7461% | 6,290 |
| Core capital (leverage) ratio | 8.1500% | 6,107 |
| Tier 1 risk-based capital ratio | 11.1906% | 6,195 |
| Total risk-based capital ratio | 12.4414% | 6,161 |
| Memoranda: | ||
| Average total assets | $103,544,000 | 4,702 |
| Average earning assets | $99,175,250 | 4,581 |
| Average equity | $7,878,250 | 5,423 |
| Average total loans | $77,806,250 | 4,040 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0538% | 3,910 |
| Cost of funding earning assets | 0.5131% | 3,778 |
| Net interest margin | 3.5407% | 3,603 |
| Noninterest income to average assets | 0.1947% | 6,043 |
| Noninterest expense to average assets | 2.6583% | 4,191 |
| Loan and lease loss provision to assets | 0.0857% | 3,370 |
| Net operating income to assets | 0.5959% | 4,310 |
| Return on assets (ROA) | 0.5959% | 4,493 |
| Pretax return on assets | 0.8374% | 4,167 |
| Return on Equity (ROE) | 7.8812% | 3,152 |
| Retained earnings to average equity (ytd only) | 7.8812% | 1,538 |
| Net charge-offs to loans | 0.0155% | 4,528 |
| Credit loss provision to net charge-offs | 733.3333% | 411 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 573 |
| Efficiency ratio | 74.2251% | 3,085 |
| Assets per employee ($millions) | 4.7910% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 5,018 |
| Loan loss allowance to noncurrent loans | 1,154.7619% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 6,258 |
| Noncurrent loans to loans | 0.1036% | 6,086 |
| Net loans and leases to total assets | 76.0254% | 984 |
| Net loans and leases to deposits | 84.7735% | 1,708 |
| Net loans and leases to core deposits | 121.2813% | 298 |
| Total domestic deposits to total assets | 89.6806% | 1,215 |
| Equity capital to assets | 7.6155% | 6,406 |
| Core capital (leverage) ratio | 7.9078% | 6,250 |
| Tier 1 risk-based capital ratio | 10.4702% | 6,515 |
| Total risk-based capital ratio | 11.7194% | 6,491 |
| Memoranda: | ||
| Average total assets | $102,699,000 | 4,756 |
| Average earning assets | $98,228,670 | 4,642 |
| Average equity | $7,765,330 | 5,495 |
| Average total loans | $77,530,000 | 4,056 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 3,723 |
| Cost of funding earning assets | 0.5298% | 3,779 |
| Net interest margin | 3.5718% | 3,378 |
| Noninterest income to average assets | 0.3118% | 5,200 |
| Noninterest expense to average assets | 2.7509% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6631% | 3,886 |
| Return on assets (ROA) | 0.6631% | 4,042 |
| Pretax return on assets | 0.9670% | 3,497 |
| Return on Equity (ROE) | 8.8021% | 2,575 |
| Retained earnings to average equity (ytd only) | 8.8021% | 1,453 |
| Net charge-offs to loans | 0.0317% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 40.8333% | 780 |
| Efficiency ratio | 73.9915% | 3,264 |
| Assets per employee ($millions) | 5.0420% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 5,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 6,273 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 71.7698% | 1,391 |
| Net loans and leases to deposits | 81.9303% | 1,840 |
| Net loans and leases to core deposits | 110.1764% | 493 |
| Total domestic deposits to total assets | 87.5986% | 2,574 |
| Equity capital to assets | 7.2448% | 6,663 |
| Core capital (leverage) ratio | 7.5705% | 6,440 |
| Tier 1 risk-based capital ratio | 10.2987% | 6,636 |
| Total risk-based capital ratio | 11.5488% | 6,627 |
| Memoranda: | ||
| Average total assets | $101,347,000 | 4,830 |
| Average earning assets | $96,646,000 | 4,723 |
| Average equity | $7,634,500 | 5,600 |
| Average total loans | $75,743,500 | 4,140 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 2,976 |
| Cost of funding earning assets | 0.6757% | 3,683 |
| Net interest margin | 3.9301% | 2,699 |
| Noninterest income to average assets | 0.3167% | 5,191 |
| Noninterest expense to average assets | 2.9457% | 3,483 |
| Loan and lease loss provision to assets | 0.0939% | 4,499 |
| Net operating income to assets | 0.6763% | 3,849 |
| Return on assets (ROA) | 0.7296% | 3,855 |
| Pretax return on assets | 1.0999% | 3,159 |
| Return on Equity (ROE) | 9.1632% | 2,554 |
| Retained earnings to average equity (ytd only) | 9.1632% | 777 |
| Net charge-offs to loans | 0.0334% | 5,445 |
| Credit loss provision to net charge-offs | 358.3333% | 680 |
| Earnings coverage of net charge-offs (x) | 42.4583% | 761 |
| Efficiency ratio | 72.5780% | 3,311 |
| Assets per employee ($millions) | 4.6100% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 4,872 |
| Loan loss allowance to noncurrent loans | 706.0606% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 5,661 |
| Noncurrent loans to loans | 0.1770% | 6,035 |
| Net loans and leases to total assets | 76.0626% | 906 |
| Net loans and leases to deposits | 88.3711% | 1,224 |
| Net loans and leases to core deposits | 110.5146% | 524 |
| Total domestic deposits to total assets | 86.0718% | 3,318 |
| Equity capital to assets | 7.8483% | 6,480 |
| Core capital (leverage) ratio | 7.8384% | 6,320 |
| Tier 1 risk-based capital ratio | 10.4906% | 6,560 |
| Total risk-based capital ratio | 11.7414% | 6,529 |
| Memoranda: | ||
| Average total assets | $91,556,600 | 5,035 |
| Average earning assets | $87,172,400 | 4,933 |
| Average equity | $7,290,000 | 5,689 |
| Average total loans | $71,822,600 | 4,290 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6900% | 2,841 |
| Cost of funding earning assets | 0.7230% | 3,569 |
| Net interest margin | 3.9670% | 2,640 |
| Noninterest income to average assets | 0.3442% | 5,056 |
| Noninterest expense to average assets | 2.9534% | 3,395 |
| Loan and lease loss provision to assets | 0.1138% | 4,142 |
| Net operating income to assets | 0.7024% | 3,902 |
| Return on assets (ROA) | 0.7727% | 3,841 |
| Pretax return on assets | 1.1598% | 3,131 |
| Return on Equity (ROE) | 9.6675% | 2,513 |
| Retained earnings to average equity (ytd only) | 9.6675% | 1,007 |
| Net charge-offs to loans | 0.0450% | 5,026 |
| Credit loss provision to net charge-offs | 320.8333% | 836 |
| Earnings coverage of net charge-offs (x) | 32.9575% | 1,015 |
| Efficiency ratio | 71.6487% | 3,386 |
| Assets per employee ($millions) | 4.1768% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 5,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 6,161 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 79.2978% | 566 |
| Net loans and leases to deposits | 86.7731% | 1,513 |
| Net loans and leases to core deposits | 106.9561% | 691 |
| Total domestic deposits to total assets | 91.3853% | 314 |
| Equity capital to assets | 8.1696% | 6,506 |
| Core capital (leverage) ratio | 7.7295% | 6,507 |
| Tier 1 risk-based capital ratio | 10.6557% | 6,615 |
| Total risk-based capital ratio | 11.9067% | 6,603 |
| Memoranda: | ||
| Average total assets | $90,243,000 | 5,133 |
| Average earning assets | $85,939,500 | 5,019 |
| Average equity | $7,213,000 | 5,768 |
| Average total loans | $71,136,000 | 4,356 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7005% | 2,911 |
| Cost of funding earning assets | 0.7709% | 3,441 |
| Net interest margin | 3.9296% | 2,797 |
| Noninterest income to average assets | 0.3434% | 5,093 |
| Noninterest expense to average assets | 2.9790% | 3,337 |
| Loan and lease loss provision to assets | 0.1717% | 3,389 |
| Net operating income to assets | 0.5877% | 4,418 |
| Return on assets (ROA) | 0.6890% | 4,192 |
| Pretax return on assets | 1.0904% | 3,339 |
| Return on Equity (ROE) | 8.6859% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.6859% | 1,384 |
| Net charge-offs to loans | 0.0683% | 4,472 |
| Credit loss provision to net charge-offs | 320.8333% | 920 |
| Earnings coverage of net charge-offs (x) | 20.6250% | 1,379 |
| Efficiency ratio | 72.9656% | 3,244 |
| Assets per employee ($millions) | 4.1611% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 5,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 6,227 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 78.6223% | 660 |
| Net loans and leases to deposits | 87.1567% | 1,455 |
| Net loans and leases to core deposits | 108.5663% | 639 |
| Total domestic deposits to total assets | 90.2080% | 811 |
| Equity capital to assets | 7.9252% | 6,619 |
| Core capital (leverage) ratio | 7.8180% | 6,439 |
| Tier 1 risk-based capital ratio | 10.5619% | 6,676 |
| Total risk-based capital ratio | 11.8138% | 6,659 |
| Memoranda: | ||
| Average total assets | $89,694,330 | 5,179 |
| Average earning assets | $85,352,000 | 5,067 |
| Average equity | $7,115,000 | 5,814 |
| Average total loans | $70,251,670 | 4,410 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6038% | 3,482 |
| Cost of funding earning assets | 0.8002% | 3,472 |
| Net interest margin | 3.8035% | 3,379 |
| Noninterest income to average assets | 0.2929% | 5,524 |
| Noninterest expense to average assets | 3.0055% | 3,222 |
| Loan and lease loss provision to assets | 0.2073% | 2,881 |
| Net operating income to assets | 0.4630% | 4,986 |
| Return on assets (ROA) | 0.5813% | 4,657 |
| Pretax return on assets | 0.9057% | 4,011 |
| Return on Equity (ROE) | 7.3243% | 3,596 |
| Retained earnings to average equity (ytd only) | 7.3243% | 2,269 |
| Net charge-offs to loans | 0.1393% | 3,266 |
| Credit loss provision to net charge-offs | 191.6667% | 1,378 |
| Earnings coverage of net charge-offs (x) | 8.5833% | 1,943 |
| Efficiency ratio | 76.4032% | 2,729 |
| Assets per employee ($millions) | 4.3798% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 5,193 |
| Loan loss allowance to noncurrent loans | 22,325.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 6,326 |
| Noncurrent loans to loans | 0.0057% | 6,788 |
| Net loans and leases to total assets | 75.9380% | 803 |
| Net loans and leases to deposits | 82.7134% | 1,831 |
| Net loans and leases to core deposits | 104.7702% | 730 |
| Total domestic deposits to total assets | 91.8086% | 305 |
| Equity capital to assets | 7.7195% | 6,682 |
| Core capital (leverage) ratio | 7.9196% | 6,323 |
| Tier 1 risk-based capital ratio | 10.4710% | 6,749 |
| Total risk-based capital ratio | 11.7219% | 6,741 |
| Memoranda: | ||
| Average total assets | $88,769,500 | 5,252 |
| Average earning assets | $84,974,000 | 5,114 |
| Average equity | $7,045,000 | 5,856 |
| Average total loans | $68,929,000 | 4,482 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 4,770 |
| Cost of funding earning assets | 1.0242% | 3,207 |
| Net interest margin | 3.5510% | 4,927 |
| Noninterest income to average assets | 0.2866% | 5,485 |
| Noninterest expense to average assets | 2.6888% | 4,782 |
| Loan and lease loss provision to assets | 0.0261% | 6,248 |
| Net operating income to assets | 0.6045% | 3,980 |
| Return on assets (ROA) | 0.6045% | 4,165 |
| Pretax return on assets | 0.9549% | 3,411 |
| Return on Equity (ROE) | 6.8961% | 3,442 |
| Retained earnings to average equity (ytd only) | 6.8961% | 1,552 |
| Net charge-offs to loans | 0.0522% | 5,795 |
| Credit loss provision to net charge-offs | 60.6061% | 5,153 |
| Earnings coverage of net charge-offs (x) | 22.8182% | 1,047 |
| Efficiency ratio | 73.2694% | 3,345 |
| Assets per employee ($millions) | 4.2782% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 4,923 |
| Loan loss allowance to noncurrent loans | 3,782.6087% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 6,082 |
| Noncurrent loans to loans | 0.0343% | 6,740 |
| Net loans and leases to total assets | 77.4286% | 784 |
| Net loans and leases to deposits | 87.0075% | 1,524 |
| Net loans and leases to core deposits | 99.2554% | 1,239 |
| Total domestic deposits to total assets | 88.9907% | 1,537 |
| Equity capital to assets | 8.1693% | 6,463 |
| Core capital (leverage) ratio | 8.1999% | 5,996 |
| Tier 1 risk-based capital ratio | 10.6518% | 6,624 |
| Total risk-based capital ratio | 11.9040% | 6,595 |
| Memoranda: | ||
| Average total assets | $76,762,200 | 5,546 |
| Average earning assets | $73,133,400 | 5,436 |
| Average equity | $6,728,400 | 5,946 |
| Average total loans | $63,209,400 | 4,739 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 4,517 |
| Cost of funding earning assets | 1.0594% | 3,251 |
| Net interest margin | 3.6280% | 4,665 |
| Noninterest income to average assets | 0.4023% | 4,653 |
| Noninterest expense to average assets | 2.8665% | 4,076 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5794% | 4,182 |
| Return on assets (ROA) | 0.5794% | 4,363 |
| Pretax return on assets | 0.9835% | 3,462 |
| Return on Equity (ROE) | 6.4834% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.4834% | 2,249 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4542% | 3,094 |
| Assets per employee ($millions) | 4.2685% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 4,507 |
| Loan loss allowance to noncurrent loans | 588.6667% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.4673% | 5,913 |
| Noncurrent loans to loans | 0.2399% | 6,394 |
| Net loans and leases to total assets | 76.0213% | 973 |
| Net loans and leases to deposits | 83.5160% | 2,089 |
| Net loans and leases to core deposits | 100.3483% | 1,213 |
| Total domestic deposits to total assets | 91.0260% | 423 |
| Equity capital to assets | 8.4191% | 6,378 |
| Core capital (leverage) ratio | 8.2584% | 6,041 |
| Tier 1 risk-based capital ratio | 11.5438% | 6,218 |
| Total risk-based capital ratio | 12.7976% | 6,203 |
| Memoranda: | ||
| Average total assets | $74,561,750 | 5,660 |
| Average earning assets | $70,855,000 | 5,555 |
| Average equity | $6,663,000 | 6,009 |
| Average total loans | $62,231,500 | 4,825 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 4,196 |
| Cost of funding earning assets | 1.0772% | 3,412 |
| Net interest margin | 3.6974% | 4,274 |
| Noninterest income to average assets | 0.3316% | 5,241 |
| Noninterest expense to average assets | 2.9731% | 3,743 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5084% | 4,463 |
| Return on assets (ROA) | 0.5084% | 4,605 |
| Pretax return on assets | 0.8676% | 3,771 |
| Return on Equity (ROE) | 5.5690% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.5690% | 2,653 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4101% | 2,795 |
| Assets per employee ($millions) | 3.9532% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 4,730 |
| Loan loss allowance to noncurrent loans | 1,447.5410% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 5,938 |
| Noncurrent loans to loans | 0.0947% | 6,741 |
| Net loans and leases to total assets | 84.6108% | 201 |
| Net loans and leases to deposits | 93.4781% | 908 |
| Net loans and leases to core deposits | 127.2975% | 297 |
| Total domestic deposits to total assets | 90.5140% | 711 |
| Equity capital to assets | 8.9215% | 5,687 |
| Core capital (leverage) ratio | 8.6517% | 5,304 |
| Tier 1 risk-based capital ratio | 10.9628% | 6,559 |
| Total risk-based capital ratio | 12.2155% | 6,532 |
| Memoranda: | ||
| Average total assets | $72,382,000 | 5,768 |
| Average earning assets | $68,696,330 | 5,671 |
| Average equity | $6,608,000 | 6,050 |
| Average total loans | $62,129,670 | 4,863 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8711% | 3,719 |
| Cost of funding earning assets | 1.1144% | 3,427 |
| Net interest margin | 3.7567% | 3,812 |
| Noninterest income to average assets | 0.1690% | 6,518 |
| Noninterest expense to average assets | 2.8275% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5125% | 4,444 |
| Return on assets (ROA) | 0.5125% | 4,524 |
| Pretax return on assets | 0.8730% | 3,605 |
| Return on Equity (ROE) | 5.5475% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.5475% | 2,885 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4079% | 3,091 |
| Assets per employee ($millions) | 4.0281% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 4,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 6,140 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 82.8522% | 286 |
| Net loans and leases to deposits | 91.7228% | 1,045 |
| Net loans and leases to core deposits | 109.2159% | 771 |
| Total domestic deposits to total assets | 90.3289% | 949 |
| Equity capital to assets | 9.1125% | 5,023 |
| Core capital (leverage) ratio | 8.8236% | 4,892 |
| Tier 1 risk-based capital ratio | 11.5588% | 6,057 |
| Total risk-based capital ratio | 12.8140% | 6,038 |
| Memoranda: | ||
| Average total assets | $71,017,500 | 5,846 |
| Average earning assets | $66,760,500 | 5,777 |
| Average equity | $6,561,500 | 6,072 |
| Average total loans | $60,977,000 | 4,963 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8962% | 5,053 |
| Cost of funding earning assets | 1.3160% | 3,782 |
| Net interest margin | 3.5802% | 4,911 |
| Noninterest income to average assets | 0.6457% | 3,181 |
| Noninterest expense to average assets | 3.2226% | 3,008 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4846% | 4,174 |
| Return on assets (ROA) | 0.4846% | 4,324 |
| Pretax return on assets | 0.8081% | 3,598 |
| Return on Equity (ROE) | 5.1051% | 4,026 |
| Retained earnings to average equity (ytd only) | 5.1051% | 2,354 |
| Net charge-offs to loans | 0.0914% | 5,931 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 10.3091% | 1,730 |
| Efficiency ratio | 79.9505% | 2,424 |
| Assets per employee ($millions) | 3.8628% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 4,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7690% | 3,658 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 86.4605% | 164 |
| Net loans and leases to deposits | 96.0550% | 864 |
| Net loans and leases to core deposits | 111.7128% | 831 |
| Total domestic deposits to total assets | 90.0115% | 1,092 |
| Equity capital to assets | 9.3715% | 4,586 |
| Core capital (leverage) ratio | 8.5496% | 5,275 |
| Tier 1 risk-based capital ratio | 10.7993% | 6,488 |
| Total risk-based capital ratio | 12.0522% | 6,449 |
| Memoranda: | ||
| Average total assets | $70,161,800 | 5,885 |
| Average earning assets | $66,337,000 | 5,788 |
| Average equity | $6,660,000 | 6,146 |
| Average total loans | $60,167,800 | 5,064 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 5,647 |
| Cost of funding earning assets | 1.3279% | 4,049 |
| Net interest margin | 3.4751% | 5,392 |
| Noninterest income to average assets | 0.9025% | 1,786 |
| Noninterest expense to average assets | 3.2328% | 2,806 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5878% | 3,925 |
| Return on assets (ROA) | 0.5878% | 4,091 |
| Pretax return on assets | 0.9746% | 3,274 |
| Return on Equity (ROE) | 6.1726% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.1726% | 2,274 |
| Net charge-offs to loans | 0.1223% | 5,322 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 9.3457% | 2,035 |
| Efficiency ratio | 76.8364% | 2,787 |
| Assets per employee ($millions) | 3.9294% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 4,312 |
| Loan loss allowance to noncurrent loans | 742.0168% | 465 |
| Noncurrent assets plus other real estate owned to assets | 2.0684% | 3,379 |
| Noncurrent loans to loans | 0.1927% | 6,799 |
| Net loans and leases to total assets | 86.0766% | 196 |
| Net loans and leases to deposits | 95.2412% | 1,078 |
| Net loans and leases to core deposits | 115.5366% | 766 |
| Total domestic deposits to total assets | 90.3775% | 686 |
| Equity capital to assets | 8.9721% | 5,617 |
| Core capital (leverage) ratio | 8.3618% | 5,769 |
| Tier 1 risk-based capital ratio | 10.3767% | 6,843 |
| Total risk-based capital ratio | 11.6296% | 6,842 |
| Memoranda: | ||
| Average total assets | $70,319,750 | 5,937 |
| Average earning assets | $66,873,250 | 5,835 |
| Average equity | $6,696,000 | 6,211 |
| Average total loans | $59,960,000 | 5,149 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 6,143 |
| Cost of funding earning assets | 1.3276% | 4,362 |
| Net interest margin | 3.3741% | 5,743 |
| Noninterest income to average assets | 0.2850% | 5,861 |
| Noninterest expense to average assets | 2.8981% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3648% | 4,912 |
| Return on assets (ROA) | 0.3648% | 5,071 |
| Pretax return on assets | 0.6098% | 4,539 |
| Return on Equity (ROE) | 3.7577% | 4,891 |
| Retained earnings to average equity (ytd only) | 3.7577% | 3,702 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6158% | 2,088 |
| Assets per employee ($millions) | 4.1176% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 4,086 |
| Loan loss allowance to noncurrent loans | 64.8238% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.0671% | 3,427 |
| Noncurrent loans to loans | 2.2626% | 3,412 |
| Net loans and leases to total assets | 90.0229% | 73 |
| Net loans and leases to deposits | 98.9122% | 804 |
| Net loans and leases to core deposits | 117.1911% | 797 |
| Total domestic deposits to total assets | 91.0129% | 478 |
| Equity capital to assets | 8.8057% | 5,744 |
| Core capital (leverage) ratio | 8.1229% | 6,081 |
| Tier 1 risk-based capital ratio | 10.1340% | 6,949 |
| Total risk-based capital ratio | 11.3885% | 6,917 |
| Memoranda: | ||
| Average total assets | $70,183,000 | 5,976 |
| Average earning assets | $67,039,330 | 5,859 |
| Average equity | $6,812,670 | 6,200 |
| Average total loans | $59,358,330 | 5,209 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 6,742 |
| Cost of funding earning assets | 1.3413% | 4,553 |
| Net interest margin | 3.1834% | 6,345 |
| Noninterest income to average assets | 0.1480% | 6,913 |
| Noninterest expense to average assets | 3.0566% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0683% | 6,109 |
| Return on assets (ROA) | 0.0683% | 6,217 |
| Pretax return on assets | 0.1309% | 6,058 |
| Return on Equity (ROE) | 0.6726% | 6,219 |
| Retained earnings to average equity (ytd only) | 0.6726% | 5,557 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8929% | 1,029 |
| Assets per employee ($millions) | 4.1204% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 3,062 |
| Loan loss allowance to noncurrent loans | 79.6941% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.6803% | 3,954 |
| Noncurrent loans to loans | 2.1328% | 3,609 |
| Net loans and leases to total assets | 77.4462% | 1,261 |
| Net loans and leases to deposits | 86.3877% | 2,516 |
| Net loans and leases to core deposits | 101.4512% | 1,975 |
| Total domestic deposits to total assets | 89.6497% | 1,160 |
| Equity capital to assets | 10.1976% | 3,614 |
| Core capital (leverage) ratio | 9.4708% | 3,813 |
| Tier 1 risk-based capital ratio | 12.6446% | 4,605 |
| Total risk-based capital ratio | 13.9019% | 4,567 |
| Memoranda: | ||
| Average total assets | $70,274,500 | 6,037 |
| Average earning assets | $67,098,000 | 5,931 |
| Average equity | $7,137,000 | 6,138 |
| Average total loans | $57,060,500 | 5,381 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1511% | 5,872 |
| Cost of funding earning assets | 2.0167% | 2,885 |
| Net interest margin | 3.1345% | 6,269 |
| Noninterest income to average assets | 0.1860% | 6,760 |
| Noninterest expense to average assets | 2.8765% | 4,627 |
| Loan and lease loss provision to assets | 0.0207% | 7,296 |
| Net operating income to assets | 0.1681% | 5,000 |
| Return on assets (ROA) | 0.1681% | 5,070 |
| Pretax return on assets | 0.2866% | 4,799 |
| Return on Equity (ROE) | 1.7321% | 5,008 |
| Retained earnings to average equity (ytd only) | 1.7321% | 3,873 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3505% | 1,682 |
| Assets per employee ($millions) | 4.1472% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 3,320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 82.2617% | 646 |
| Net loans and leases to deposits | 91.6920% | 1,934 |
| Net loans and leases to core deposits | 108.9575% | 3,005 |
| Total domestic deposits to total assets | 89.7153% | 1,101 |
| Equity capital to assets | 10.1145% | 3,602 |
| Core capital (leverage) ratio | 8.8980% | 4,589 |
| Tier 1 risk-based capital ratio | 11.8090% | 5,104 |
| Total risk-based capital ratio | 13.0637% | 5,069 |
| Memoranda: | ||
| Average total assets | $72,587,400 | 5,927 |
| Average earning assets | $69,422,000 | 5,827 |
| Average equity | $7,043,400 | 6,255 |
| Average total loans | $62,858,800 | 5,138 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1970% | 5,890 |
| Cost of funding earning assets | 2.1287% | 2,750 |
| Net interest margin | 3.0683% | 6,406 |
| Noninterest income to average assets | 0.2024% | 6,770 |
| Noninterest expense to average assets | 2.9180% | 4,373 |
| Loan and lease loss provision to assets | 0.0274% | 7,076 |
| Net operating income to assets | 0.1112% | 5,430 |
| Return on assets (ROA) | 0.1112% | 5,487 |
| Pretax return on assets | 0.1933% | 5,316 |
| Return on Equity (ROE) | 1.1583% | 5,442 |
| Retained earnings to average equity (ytd only) | 1.1583% | 4,678 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9692% | 1,468 |
| Assets per employee ($millions) | 4.6184% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 3,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 84.4888% | 490 |
| Net loans and leases to deposits | 93.6940% | 1,930 |
| Net loans and leases to core deposits | 111.1184% | 3,110 |
| Total domestic deposits to total assets | 90.1752% | 705 |
| Equity capital to assets | 9.5676% | 4,655 |
| Core capital (leverage) ratio | 8.3932% | 5,670 |
| Tier 1 risk-based capital ratio | 10.2781% | 6,705 |
| Total risk-based capital ratio | 11.5312% | 6,647 |
| Memoranda: | ||
| Average total assets | $73,108,500 | 5,949 |
| Average earning assets | $69,962,000 | 5,846 |
| Average equity | $7,021,500 | 6,310 |
| Average total loans | $63,839,750 | 5,140 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2176% | 6,014 |
| Cost of funding earning assets | 2.2132% | 2,730 |
| Net interest margin | 3.0044% | 6,539 |
| Noninterest income to average assets | 0.2196% | 6,732 |
| Noninterest expense to average assets | 2.9871% | 4,135 |
| Loan and lease loss provision to assets | 0.0412% | 6,824 |
| Net operating income to assets | 0.0357% | 5,739 |
| Return on assets (ROA) | 0.0357% | 5,829 |
| Pretax return on assets | 0.0686% | 5,742 |
| Return on Equity (ROE) | 0.3711% | 5,821 |
| Retained earnings to average equity (ytd only) | 0.3711% | 5,068 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4539% | 1,348 |
| Assets per employee ($millions) | 4.6134% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 3,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 85.0694% | 497 |
| Net loans and leases to deposits | 94.3802% | 2,029 |
| Net loans and leases to core deposits | 104.1982% | 4,043 |
| Total domestic deposits to total assets | 90.1348% | 772 |
| Equity capital to assets | 9.5130% | 4,596 |
| Core capital (leverage) ratio | 8.6192% | 5,228 |
| Tier 1 risk-based capital ratio | 10.0928% | 6,827 |
| Total risk-based capital ratio | 11.3462% | 6,751 |
| Memoranda: | ||
| Average total assets | $72,846,330 | 6,007 |
| Average earning assets | $69,763,330 | 5,896 |
| Average equity | $7,005,330 | 6,367 |
| Average total loans | $63,996,000 | 5,178 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1146% | 6,606 |
| Cost of funding earning assets | 2.3726% | 2,404 |
| Net interest margin | 2.7420% | 7,114 |
| Noninterest income to average assets | 0.1327% | 7,340 |
| Noninterest expense to average assets | 2.9684% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1327% | 6,461 |
| Return on assets (ROA) | -0.1327% | 6,563 |
| Pretax return on assets | -0.2101% | 6,585 |
| Return on Equity (ROE) | -1.3720% | 6,595 |
| Retained earnings to average equity (ytd only) | -1.3720% | 5,976 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6152% | 882 |
| Assets per employee ($millions) | 4.4264% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 3,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 87.4914% | 302 |
| Net loans and leases to deposits | 97.4185% | 1,750 |
| Net loans and leases to core deposits | 106.7866% | 3,819 |
| Total domestic deposits to total assets | 89.8098% | 884 |
| Equity capital to assets | 9.8626% | 4,164 |
| Core capital (leverage) ratio | 8.3499% | 5,810 |
| Tier 1 risk-based capital ratio | 10.2035% | 6,716 |
| Total risk-based capital ratio | 11.4568% | 6,626 |
| Memoranda: | ||
| Average total assets | $72,362,000 | 6,054 |
| Average earning assets | $69,292,500 | 5,936 |
| Average equity | $6,997,000 | 6,414 |
| Average total loans | $64,128,000 | 5,199 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8864% | 6,104 |
| Cost of funding earning assets | 2.8955% | 2,283 |
| Net interest margin | 2.9909% | 6,938 |
| Noninterest income to average assets | 0.1935% | 7,070 |
| Noninterest expense to average assets | 2.5505% | 5,826 |
| Loan and lease loss provision to assets | 0.3509% | 3,583 |
| Net operating income to assets | 0.0551% | 6,218 |
| Return on assets (ROA) | 0.0551% | 6,075 |
| Pretax return on assets | 0.1038% | 5,931 |
| Return on Equity (ROE) | 0.5013% | 6,075 |
| Retained earnings to average equity (ytd only) | 0.5013% | 4,935 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8691% | 1,970 |
| Assets per employee ($millions) | 4.1056% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 3,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 87.2059% | 450 |
| Net loans and leases to deposits | 96.7803% | 2,319 |
| Net loans and leases to core deposits | 105.0670% | 4,290 |
| Total domestic deposits to total assets | 90.1070% | 604 |
| Equity capital to assets | 9.4843% | 4,709 |
| Core capital (leverage) ratio | 8.6811% | 5,233 |
| Tier 1 risk-based capital ratio | 9.5068% | 7,299 |
| Total risk-based capital ratio | 10.7593% | 7,219 |
| Memoranda: | ||
| Average total assets | $63,555,600 | 6,248 |
| Average earning assets | $59,747,600 | 6,181 |
| Average equity | $6,982,200 | 6,461 |
| Average total loans | $56,959,600 | 5,411 |