Home > Bank of Sunset and Trust Company > Performance and Condition Ratios
Bank of Sunset and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3283% | 1,438 |
| Cost of funding earning assets | 1.0145% | 3,263 |
| Net interest margin | 4.3138% | 794 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.8155% | 1,461 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3487% | 1,325 |
| Return on assets (ROA) | 1.3487% | 1,297 |
| Pretax return on assets | 1.6750% | 1,111 |
| Return on Equity (ROE) | 16.2500% | 1,059 |
| Retained earnings to average equity (ytd only) | 8.3690% | 1,436 |
| Net charge-offs to loans | 0.0043% | 2,573 |
| Credit loss provision to net charge-offs | 2,000.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 530.8333% | 278 |
| Efficiency ratio | 61.7968% | 2,858 |
| Assets per employee ($millions) | 4.9164% | 3,698 |
| Cash dividends to net income (ytd only)* | 48.5008% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,164 |
| Loan loss allowance to noncurrent loans | 6,845.4545% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 3,689 |
| Noncurrent loans to loans | 0.0150% | 3,638 |
| Net loans and leases to total assets | 79.5700% | 690 |
| Net loans and leases to deposits | 95.5951% | 819 |
| Net loans and leases to core deposits | 100.6690% | 1,390 |
| Total domestic deposits to total assets | 83.2400% | 2,829 |
| Equity capital to assets | 8.7385% | 2,872 |
| Core capital (leverage) ratio | 10.4181% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $182,987,800 | 3,102 |
| Average earning assets | $169,640,800 | 3,093 |
| Average equity | $15,187,000 | 3,250 |
| Average total loans | $138,856,400 | 2,784 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2061% | 1,439 |
| Cost of funding earning assets | 0.8363% | 3,435 |
| Net interest margin | 4.3698% | 730 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.7189% | 1,607 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.2696% | 1,609 |
| Return on assets (ROA) | 1.2696% | 1,601 |
| Pretax return on assets | 1.5810% | 1,399 |
| Return on Equity (ROE) | 15.5000% | 1,346 |
| Retained earnings to average equity (ytd only) | 10.1887% | 1,351 |
| Net charge-offs to loans | 0.0058% | 2,240 |
| Credit loss provision to net charge-offs | 1,500.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 377.1667% | 379 |
| Efficiency ratio | 62.2833% | 2,686 |
| Assets per employee ($millions) | 4.8719% | 3,694 |
| Cash dividends to net income (ytd only)* | 34.2693% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,114 |
| Loan loss allowance to noncurrent loans | 4,217.1429% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,636 |
| Noncurrent loans to loans | 0.0249% | 3,593 |
| Net loans and leases to total assets | 77.1500% | 975 |
| Net loans and leases to deposits | 88.6961% | 1,326 |
| Net loans and leases to core deposits | 93.0484% | 1,729 |
| Total domestic deposits to total assets | 86.9800% | 1,901 |
| Equity capital to assets | 8.2907% | 2,859 |
| Core capital (leverage) ratio | 10.4949% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $183,257,750 | 3,107 |
| Average earning assets | $169,798,000 | 3,102 |
| Average equity | $15,009,750 | 3,253 |
| Average total loans | $137,006,250 | 2,807 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1330% | 1,314 |
| Cost of funding earning assets | 0.7176% | 3,436 |
| Net interest margin | 4.4154% | 691 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.6702% | 1,719 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.3438% | 1,466 |
| Return on assets (ROA) | 1.3438% | 1,454 |
| Pretax return on assets | 1.6770% | 1,259 |
| Return on Equity (ROE) | 16.4700% | 1,189 |
| Retained earnings to average equity (ytd only) | 8.5155% | 1,814 |
| Net charge-offs to loans | 0.0044% | 2,130 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 535.0000% | 274 |
| Efficiency ratio | 60.5166% | 2,890 |
| Assets per employee ($millions) | 5.0783% | 3,527 |
| Cash dividends to net income (ytd only)* | 48.3037% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 3,135 |
| Loan loss allowance to noncurrent loans | 5,576.9231% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,696 |
| Noncurrent loans to loans | 0.0190% | 3,624 |
| Net loans and leases to total assets | 73.9400% | 1,297 |
| Net loans and leases to deposits | 84.6366% | 1,613 |
| Net loans and leases to core deposits | 88.8383% | 1,875 |
| Total domestic deposits to total assets | 87.3600% | 1,815 |
| Equity capital to assets | 8.2169% | 3,078 |
| Core capital (leverage) ratio | 10.0817% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $184,256,333 | 3,105 |
| Average earning assets | $170,856,000 | 3,098 |
| Average equity | $15,031,333 | 3,266 |
| Average total loans | $135,826,000 | 2,815 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 1,062 |
| Cost of funding earning assets | 0.6423% | 3,252 |
| Net interest margin | 4.4798% | 602 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.6274% | 1,878 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.4272% | 1,333 |
| Return on assets (ROA) | 1.4272% | 1,307 |
| Pretax return on assets | 1.7840% | 1,097 |
| Return on Equity (ROE) | 17.5600% | 1,090 |
| Retained earnings to average equity (ytd only) | 17.5579% | 553 |
| Net charge-offs to loans | 0.0030% | 1,907 |
| Credit loss provision to net charge-offs | 3,000.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 855.0000% | 125 |
| Efficiency ratio | 58.6957% | 3,108 |
| Assets per employee ($millions) | 5.0589% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,293 |
| Loan loss allowance to noncurrent loans | 5,262.9630% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,695 |
| Noncurrent loans to loans | 0.0200% | 3,636 |
| Net loans and leases to total assets | 73.5000% | 1,267 |
| Net loans and leases to deposits | 81.5556% | 1,696 |
| Net loans and leases to core deposits | 84.4318% | 1,961 |
| Total domestic deposits to total assets | 90.1200% | 1,114 |
| Equity capital to assets | 8.4905% | 2,904 |
| Core capital (leverage) ratio | 9.6155% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $184,975,500 | 3,135 |
| Average earning assets | $171,258,500 | 3,136 |
| Average equity | $15,036,000 | 3,304 |
| Average total loans | $135,424,500 | 2,848 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2451% | 1,165 |
| Cost of funding earning assets | 0.3576% | 2,421 |
| Net interest margin | 3.8875% | 979 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.5990% | 1,827 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.1987% | 1,771 |
| Return on assets (ROA) | 1.1987% | 1,711 |
| Pretax return on assets | 1.4528% | 1,603 |
| Return on Equity (ROE) | 14.4200% | 1,428 |
| Retained earnings to average equity (ytd only) | 7.3431% | 2,087 |
| Net charge-offs to loans | 0.0079% | 2,099 |
| Credit loss provision to net charge-offs | 1,200.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 277.9000% | 517 |
| Efficiency ratio | 63.1237% | 2,612 |
| Assets per employee ($millions) | 5.3666% | 3,354 |
| Cash dividends to net income (ytd only)* | 49.0884% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 3,219 |
| Loan loss allowance to noncurrent loans | 10,707.6923% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,842 |
| Noncurrent loans to loans | 0.0096% | 3,781 |
| Net loans and leases to total assets | 71.4400% | 1,476 |
| Net loans and leases to deposits | 78.8128% | 1,870 |
| Net loans and leases to core deposits | 81.4958% | 2,041 |
| Total domestic deposits to total assets | 90.6400% | 1,088 |
| Equity capital to assets | 7.7778% | 3,205 |
| Core capital (leverage) ratio | 9.4141% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $183,029,400 | 3,159 |
| Average earning assets | $170,572,000 | 3,142 |
| Average equity | $15,211,600 | 3,350 |
| Average total loans | $127,008,000 | 2,859 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 1,052 |
| Cost of funding earning assets | 0.3435% | 1,759 |
| Net interest margin | 3.7649% | 1,007 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.4968% | 2,025 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2370% | 1,564 |
| Return on assets (ROA) | 1.2370% | 1,540 |
| Pretax return on assets | 1.5025% | 1,399 |
| Return on Equity (ROE) | 14.6400% | 1,248 |
| Retained earnings to average equity (ytd only) | 10.4843% | 1,203 |
| Net charge-offs to loans | 0.0085% | 1,820 |
| Credit loss provision to net charge-offs | 1,125.0000% | 379 |
| Earnings coverage of net charge-offs (x) | 267.3750% | 515 |
| Efficiency ratio | 61.4177% | 2,913 |
| Assets per employee ($millions) | 5.3986% | 3,331 |
| Cash dividends to net income (ytd only)* | 28.3936% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 3,308 |
| Loan loss allowance to noncurrent loans | 8,023.5294% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 3,899 |
| Noncurrent loans to loans | 0.0129% | 3,845 |
| Net loans and leases to total assets | 70.8200% | 1,411 |
| Net loans and leases to deposits | 78.3126% | 1,687 |
| Net loans and leases to core deposits | 81.5394% | 1,796 |
| Total domestic deposits to total assets | 90.4400% | 1,456 |
| Equity capital to assets | 8.0201% | 2,875 |
| Core capital (leverage) ratio | 9.5382% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $181,829,250 | 3,190 |
| Average earning assets | $169,597,500 | 3,178 |
| Average equity | $15,362,250 | 3,376 |
| Average total loans | $124,866,500 | 2,880 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 1,086 |
| Cost of funding earning assets | 0.3523% | 1,239 |
| Net interest margin | 3.5634% | 1,150 |
| Noninterest income to average assets | 0.6698% | 1,463 |
| Noninterest expense to average assets | 2.4683% | 2,031 |
| Loan and lease loss provision to assets | 0.0662% | 1,423 |
| Net operating income to assets | 1.2237% | 1,355 |
| Return on assets (ROA) | 1.2237% | 1,338 |
| Pretax return on assets | 1.4609% | 1,278 |
| Return on Equity (ROE) | 14.2399% | 1,054 |
| Retained earnings to average equity (ytd only) | 8.0894% | 1,584 |
| Net charge-offs to loans | 0.0081% | 1,691 |
| Credit loss provision to net charge-offs | 1,200.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 276.8000% | 428 |
| Efficiency ratio | 61.7785% | 3,071 |
| Assets per employee ($millions) | 5.5459% | 3,178 |
| Cash dividends to net income (ytd only)* | 43.1921% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 3,222 |
| Loan loss allowance to noncurrent loans | 8,913.3333% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,951 |
| Noncurrent loans to loans | 0.0121% | 3,885 |
| Net loans and leases to total assets | 66.7406% | 1,608 |
| Net loans and leases to deposits | 74.1870% | 1,850 |
| Net loans and leases to core deposits | 77.3546% | 1,900 |
| Total domestic deposits to total assets | 89.9626% | 1,722 |
| Equity capital to assets | 8.2435% | 2,950 |
| Core capital (leverage) ratio | 9.3300% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,255,333 | 3,236 |
| Average earning assets | $169,165,000 | 3,227 |
| Average equity | $15,576,000 | 3,441 |
| Average total loans | $122,702,333 | 2,918 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8899% | 941 |
| Cost of funding earning assets | 0.3726% | 1,038 |
| Net interest margin | 3.5173% | 1,060 |
| Noninterest income to average assets | 0.3526% | 2,985 |
| Noninterest expense to average assets | 2.4505% | 2,015 |
| Loan and lease loss provision to assets | 0.0665% | 1,228 |
| Net operating income to assets | 0.8782% | 2,371 |
| Return on assets (ROA) | 0.8782% | 2,371 |
| Pretax return on assets | 1.1221% | 2,071 |
| Return on Equity (ROE) | 10.0123% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.0123% | 1,016 |
| Net charge-offs to loans | 0.0065% | 1,516 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 349 |
| Efficiency ratio | 67.3370% | 2,587 |
| Assets per employee ($millions) | 5.2050% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 3,446 |
| Loan loss allowance to noncurrent loans | 43,700.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,106 |
| Noncurrent loans to loans | 0.0025% | 4,034 |
| Net loans and leases to total assets | 66.3896% | 1,374 |
| Net loans and leases to deposits | 73.8895% | 1,618 |
| Net loans and leases to core deposits | 77.0563% | 1,699 |
| Total domestic deposits to total assets | 89.8499% | 1,657 |
| Equity capital to assets | 8.5368% | 3,124 |
| Core capital (leverage) ratio | 9.2301% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,375,000 | 3,251 |
| Average earning assets | $168,539,000 | 3,238 |
| Average equity | $15,820,500 | 3,487 |
| Average total loans | $122,312,000 | 2,927 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 720 |
| Cost of funding earning assets | 0.4547% | 1,164 |
| Net interest margin | 3.9422% | 794 |
| Noninterest income to average assets | 0.3873% | 3,121 |
| Noninterest expense to average assets | 2.5783% | 1,927 |
| Loan and lease loss provision to assets | 0.0849% | 1,448 |
| Net operating income to assets | 1.1391% | 2,146 |
| Return on assets (ROA) | 1.1391% | 2,197 |
| Pretax return on assets | 1.4052% | 2,035 |
| Return on Equity (ROE) | 12.6272% | 1,597 |
| Retained earnings to average equity (ytd only) | 6.8847% | 1,969 |
| Net charge-offs to loans | 0.0729% | 1,062 |
| Credit loss provision to net charge-offs | 161.2903% | 1,449 |
| Earnings coverage of net charge-offs (x) | 28.3011% | 1,656 |
| Efficiency ratio | 63.3732% | 2,662 |
| Assets per employee ($millions) | 4.9604% | 3,763 |
| Cash dividends to net income (ytd only)* | 45.4771% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,580 |
| Loan loss allowance to noncurrent loans | 42,733.3333% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,185 |
| Noncurrent loans to loans | 0.0025% | 4,108 |
| Net loans and leases to total assets | 67.8066% | 1,293 |
| Net loans and leases to deposits | 76.1574% | 1,552 |
| Net loans and leases to core deposits | 79.6455% | 1,628 |
| Total domestic deposits to total assets | 89.0348% | 1,497 |
| Equity capital to assets | 9.0097% | 3,609 |
| Core capital (leverage) ratio | 9.0282% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,630,000 | 3,236 |
| Average earning assets | $164,932,200 | 3,230 |
| Average equity | $15,933,800 | 3,544 |
| Average total loans | $127,519,400 | 2,886 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 696 |
| Cost of funding earning assets | 0.4711% | 1,208 |
| Net interest margin | 4.0093% | 782 |
| Noninterest income to average assets | 0.4050% | 3,054 |
| Noninterest expense to average assets | 2.5925% | 1,861 |
| Loan and lease loss provision to assets | 0.0908% | 1,319 |
| Net operating income to assets | 1.1664% | 2,292 |
| Return on assets (ROA) | 1.1664% | 2,356 |
| Pretax return on assets | 1.4647% | 2,098 |
| Return on Equity (ROE) | 12.9262% | 1,714 |
| Retained earnings to average equity (ytd only) | 9.3109% | 1,572 |
| Net charge-offs to loans | 0.0921% | 783 |
| Credit loss provision to net charge-offs | 134.8315% | 1,403 |
| Earnings coverage of net charge-offs (x) | 23.0899% | 1,669 |
| Efficiency ratio | 62.5000% | 2,612 |
| Assets per employee ($millions) | 5.1220% | 3,576 |
| Cash dividends to net income (ytd only)* | 27.9689% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 3,793 |
| Loan loss allowance to noncurrent loans | 17,942.8571% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,234 |
| Noncurrent loans to loans | 0.0057% | 4,170 |
| Net loans and leases to total assets | 68.3243% | 1,284 |
| Net loans and leases to deposits | 76.9891% | 1,576 |
| Net loans and leases to core deposits | 80.5054% | 1,692 |
| Total domestic deposits to total assets | 88.7455% | 1,432 |
| Equity capital to assets | 9.1170% | 3,727 |
| Core capital (leverage) ratio | 9.1400% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,144,000 | 3,276 |
| Average earning assets | $164,446,500 | 3,270 |
| Average equity | $15,895,000 | 3,592 |
| Average total loans | $128,807,500 | 2,906 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 726 |
| Cost of funding earning assets | 0.4942% | 1,237 |
| Net interest margin | 4.0050% | 812 |
| Noninterest income to average assets | 0.4489% | 2,849 |
| Noninterest expense to average assets | 2.5996% | 1,854 |
| Loan and lease loss provision to assets | 0.1028% | 1,229 |
| Net operating income to assets | 1.1845% | 2,245 |
| Return on assets (ROA) | 1.1845% | 2,309 |
| Pretax return on assets | 1.4769% | 2,090 |
| Return on Equity (ROE) | 13.1722% | 1,656 |
| Retained earnings to average equity (ytd only) | 7.6975% | 2,196 |
| Net charge-offs to loans | 0.1318% | 604 |
| Credit loss provision to net charge-offs | 104.6512% | 1,335 |
| Earnings coverage of net charge-offs (x) | 16.0814% | 1,613 |
| Efficiency ratio | 62.2028% | 2,699 |
| Assets per employee ($millions) | 5.1714% | 3,488 |
| Cash dividends to net income (ytd only)* | 41.5622% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 3,958 |
| Loan loss allowance to noncurrent loans | 15,362.5000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,293 |
| Noncurrent loans to loans | 0.0063% | 4,218 |
| Net loans and leases to total assets | 69.8881% | 1,207 |
| Net loans and leases to deposits | 78.7607% | 1,552 |
| Net loans and leases to core deposits | 82.3006% | 1,699 |
| Total domestic deposits to total assets | 88.7347% | 1,423 |
| Equity capital to assets | 8.7929% | 3,982 |
| Core capital (leverage) ratio | 8.8721% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,102,000 | 3,289 |
| Average earning assets | $163,094,667 | 3,279 |
| Average equity | $15,745,333 | 3,609 |
| Average total loans | $130,496,333 | 2,897 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5906% | 681 |
| Cost of funding earning assets | 0.5311% | 1,194 |
| Net interest margin | 4.0594% | 773 |
| Noninterest income to average assets | 0.5646% | 2,351 |
| Noninterest expense to average assets | 2.6743% | 1,680 |
| Loan and lease loss provision to assets | 0.1394% | 965 |
| Net operating income to assets | 1.2175% | 2,077 |
| Return on assets (ROA) | 1.2175% | 2,166 |
| Pretax return on assets | 1.5335% | 1,902 |
| Return on Equity (ROE) | 13.3840% | 1,572 |
| Retained earnings to average equity (ytd only) | 13.3840% | 839 |
| Net charge-offs to loans | 0.2608% | 328 |
| Credit loss provision to net charge-offs | 69.7674% | 1,248 |
| Earnings coverage of net charge-offs (x) | 8.3721% | 1,581 |
| Efficiency ratio | 61.5179% | 2,836 |
| Assets per employee ($millions) | 5.1867% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 4,135 |
| Loan loss allowance to noncurrent loans | 11,990.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 4,158 |
| Noncurrent loans to loans | 0.0076% | 4,286 |
| Net loans and leases to total assets | 74.2180% | 794 |
| Net loans and leases to deposits | 83.8622% | 1,163 |
| Net loans and leases to core deposits | 87.8880% | 1,377 |
| Total domestic deposits to total assets | 88.5000% | 1,607 |
| Equity capital to assets | 8.9987% | 3,685 |
| Core capital (leverage) ratio | 9.1082% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,154,000 | 3,309 |
| Average earning assets | $160,416,000 | 3,301 |
| Average equity | $15,660,500 | 3,620 |
| Average total loans | $131,882,000 | 2,878 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 1,193 |
| Cost of funding earning assets | 0.7199% | 1,616 |
| Net interest margin | 3.8290% | 1,424 |
| Noninterest income to average assets | 0.3917% | 3,139 |
| Noninterest expense to average assets | 2.5884% | 2,591 |
| Loan and lease loss provision to assets | 0.0736% | 3,464 |
| Net operating income to assets | 1.0523% | 2,097 |
| Return on assets (ROA) | 1.0493% | 2,246 |
| Pretax return on assets | 1.2957% | 1,991 |
| Return on Equity (ROE) | 11.3383% | 1,514 |
| Retained earnings to average equity (ytd only) | 5.7619% | 1,919 |
| Net charge-offs to loans | 0.0024% | 3,308 |
| Credit loss provision to net charge-offs | 4,000.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 746.6667% | 158 |
| Efficiency ratio | 65.3412% | 2,628 |
| Assets per employee ($millions) | 5.0897% | 3,295 |
| Cash dividends to net income (ytd only)* | 49.1822% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 4,095 |
| Loan loss allowance to noncurrent loans | 644.7368% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 3,728 |
| Noncurrent loans to loans | 0.1443% | 3,710 |
| Net loans and leases to total assets | 77.6721% | 626 |
| Net loans and leases to deposits | 88.2135% | 1,069 |
| Net loans and leases to core deposits | 93.3350% | 1,284 |
| Total domestic deposits to total assets | 88.0501% | 1,447 |
| Equity capital to assets | 9.1998% | 3,886 |
| Core capital (leverage) ratio | 8.9811% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,150,400 | 3,261 |
| Average earning assets | $152,103,200 | 3,246 |
| Average equity | $15,099,200 | 3,642 |
| Average total loans | $124,849,000 | 2,927 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 1,475 |
| Cost of funding earning assets | 0.7591% | 1,684 |
| Net interest margin | 3.7833% | 1,670 |
| Noninterest income to average assets | 0.4001% | 3,080 |
| Noninterest expense to average assets | 2.4995% | 2,853 |
| Loan and lease loss provision to assets | 0.0741% | 3,393 |
| Net operating income to assets | 1.1048% | 1,967 |
| Return on assets (ROA) | 1.1007% | 2,104 |
| Pretax return on assets | 1.3461% | 1,889 |
| Return on Equity (ROE) | 11.8754% | 1,408 |
| Retained earnings to average equity (ytd only) | 8.1449% | 1,256 |
| Net charge-offs to loans | 0.0032% | 3,053 |
| Credit loss provision to net charge-offs | 3,000.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 577.0000% | 206 |
| Efficiency ratio | 63.6879% | 2,790 |
| Assets per employee ($millions) | 5.1579% | 3,058 |
| Cash dividends to net income (ytd only)* | 31.4136% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 4,015 |
| Loan loss allowance to noncurrent loans | 643.0108% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 3,887 |
| Noncurrent loans to loans | 0.1428% | 3,815 |
| Net loans and leases to total assets | 75.8365% | 1,118 |
| Net loans and leases to deposits | 86.6729% | 1,623 |
| Net loans and leases to core deposits | 91.6873% | 1,821 |
| Total domestic deposits to total assets | 87.4973% | 1,453 |
| Equity capital to assets | 9.1257% | 4,020 |
| Core capital (leverage) ratio | 9.1090% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,948,000 | 3,257 |
| Average earning assets | $150,871,000 | 3,234 |
| Average equity | $15,011,000 | 3,654 |
| Average total loans | $123,140,500 | 2,956 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5886% | 1,667 |
| Cost of funding earning assets | 0.8068% | 1,795 |
| Net interest margin | 3.7818% | 1,881 |
| Noninterest income to average assets | 0.4058% | 3,044 |
| Noninterest expense to average assets | 2.4938% | 2,976 |
| Loan and lease loss provision to assets | 0.0754% | 3,351 |
| Net operating income to assets | 1.1118% | 1,930 |
| Return on assets (ROA) | 1.1056% | 2,071 |
| Pretax return on assets | 1.3506% | 1,863 |
| Return on Equity (ROE) | 11.8622% | 1,367 |
| Retained earnings to average equity (ytd only) | 6.2142% | 1,978 |
| Net charge-offs to loans | 0.0033% | 2,874 |
| Credit loss provision to net charge-offs | 3,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 570.5000% | 179 |
| Efficiency ratio | 63.4997% | 2,884 |
| Assets per employee ($millions) | 5.1769% | 2,969 |
| Cash dividends to net income (ytd only)* | 47.6136% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8891% | 4,038 |
| Loan loss allowance to noncurrent loans | 383.8816% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 3,643 |
| Noncurrent loans to loans | 0.2316% | 3,548 |
| Net loans and leases to total assets | 76.1451% | 1,115 |
| Net loans and leases to deposits | 90.2991% | 1,329 |
| Net loans and leases to core deposits | 95.3625% | 1,626 |
| Total domestic deposits to total assets | 84.3254% | 2,625 |
| Equity capital to assets | 8.8441% | 4,216 |
| Core capital (leverage) ratio | 8.8490% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,193,667 | 3,258 |
| Average earning assets | $148,238,000 | 3,239 |
| Average equity | $14,837,000 | 3,677 |
| Average total loans | $120,761,333 | 2,973 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7569% | 1,539 |
| Cost of funding earning assets | 0.8868% | 1,941 |
| Net interest margin | 3.8700% | 1,757 |
| Noninterest income to average assets | 0.4668% | 2,715 |
| Noninterest expense to average assets | 2.6393% | 2,860 |
| Loan and lease loss provision to assets | 0.0782% | 2,740 |
| Net operating income to assets | 1.0950% | 1,858 |
| Return on assets (ROA) | 1.0823% | 2,002 |
| Pretax return on assets | 1.3301% | 1,782 |
| Return on Equity (ROE) | 11.2917% | 1,333 |
| Retained earnings to average equity (ytd only) | 11.2917% | 523 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9551% | 3,094 |
| Assets per employee ($millions) | 4.7531% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,804 |
| Loan loss allowance to noncurrent loans | 429.0566% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 3,818 |
| Noncurrent loans to loans | 0.2286% | 3,670 |
| Net loans and leases to total assets | 73.1747% | 1,752 |
| Net loans and leases to deposits | 87.0095% | 1,873 |
| Net loans and leases to core deposits | 91.9768% | 2,158 |
| Total domestic deposits to total assets | 84.0997% | 2,758 |
| Equity capital to assets | 9.5765% | 4,152 |
| Core capital (leverage) ratio | 9.5865% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,372,000 | 3,286 |
| Average earning assets | $142,530,500 | 3,270 |
| Average equity | $14,701,000 | 3,696 |
| Average total loans | $115,516,500 | 3,006 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 1,696 |
| Cost of funding earning assets | 0.8030% | 2,673 |
| Net interest margin | 4.1178% | 1,492 |
| Noninterest income to average assets | 0.3820% | 3,403 |
| Noninterest expense to average assets | 2.7260% | 2,815 |
| Loan and lease loss provision to assets | 0.0829% | 2,350 |
| Net operating income to assets | 1.1370% | 2,300 |
| Return on assets (ROA) | 1.1392% | 2,397 |
| Pretax return on assets | 1.3983% | 2,169 |
| Return on Equity (ROE) | 11.8337% | 1,576 |
| Retained earnings to average equity (ytd only) | 5.9491% | 1,893 |
| Net charge-offs to loans | 0.0386% | 2,613 |
| Credit loss provision to net charge-offs | 279.0698% | 1,009 |
| Earnings coverage of net charge-offs (x) | 49.7674% | 1,138 |
| Efficiency ratio | 64.8373% | 2,966 |
| Assets per employee ($millions) | 4.5422% | 3,164 |
| Cash dividends to net income (ytd only)* | 49.7271% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 3,686 |
| Loan loss allowance to noncurrent loans | 1,035.5140% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 4,274 |
| Noncurrent loans to loans | 0.0929% | 4,152 |
| Net loans and leases to total assets | 76.0628% | 1,403 |
| Net loans and leases to deposits | 91.1199% | 1,471 |
| Net loans and leases to core deposits | 97.9064% | 1,738 |
| Total domestic deposits to total assets | 83.4754% | 3,032 |
| Equity capital to assets | 9.5942% | 4,278 |
| Core capital (leverage) ratio | 9.7710% | 3,763 |
| Tier 1 risk-based capital ratio | 13.1270% | 3,728 |
| Total risk-based capital ratio | 14.1386% | 3,729 |
| Memoranda: | ||
| Average total assets | $144,751,600 | 3,372 |
| Average earning assets | $134,366,400 | 3,362 |
| Average equity | $13,934,800 | 3,762 |
| Average total loans | $111,442,200 | 3,064 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8996% | 1,819 |
| Cost of funding earning assets | 0.7787% | 2,825 |
| Net interest margin | 4.1209% | 1,571 |
| Noninterest income to average assets | 0.3950% | 3,352 |
| Noninterest expense to average assets | 2.6598% | 2,981 |
| Loan and lease loss provision to assets | 0.0836% | 2,233 |
| Net operating income to assets | 1.2024% | 2,186 |
| Return on assets (ROA) | 1.2054% | 2,258 |
| Pretax return on assets | 1.4814% | 2,018 |
| Return on Equity (ROE) | 12.5100% | 1,441 |
| Retained earnings to average equity (ytd only) | 8.4108% | 1,240 |
| Net charge-offs to loans | 0.0519% | 2,088 |
| Credit loss provision to net charge-offs | 209.3023% | 1,261 |
| Earnings coverage of net charge-offs (x) | 39.0710% | 1,393 |
| Efficiency ratio | 63.0119% | 3,160 |
| Assets per employee ($millions) | 4.4984% | 3,209 |
| Cash dividends to net income (ytd only)* | 32.7678% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 3,882 |
| Loan loss allowance to noncurrent loans | 1,046.6019% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 4,368 |
| Noncurrent loans to loans | 0.0897% | 4,247 |
| Net loans and leases to total assets | 76.6678% | 1,365 |
| Net loans and leases to deposits | 88.6931% | 1,842 |
| Net loans and leases to core deposits | 95.3103% | 2,052 |
| Total domestic deposits to total assets | 86.4416% | 1,800 |
| Equity capital to assets | 9.7543% | 4,249 |
| Core capital (leverage) ratio | 9.7382% | 3,923 |
| Tier 1 risk-based capital ratio | 13.4708% | 3,587 |
| Total risk-based capital ratio | 14.4779% | 3,633 |
| Memoranda: | ||
| Average total assets | $143,466,500 | 3,422 |
| Average earning assets | $133,204,500 | 3,412 |
| Average equity | $13,823,250 | 3,813 |
| Average total loans | $110,522,750 | 3,113 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 1,830 |
| Cost of funding earning assets | 0.7403% | 2,944 |
| Net interest margin | 4.1365% | 1,503 |
| Noninterest income to average assets | 0.4132% | 3,182 |
| Noninterest expense to average assets | 2.6825% | 2,965 |
| Loan and lease loss provision to assets | 0.0846% | 2,153 |
| Net operating income to assets | 1.2129% | 2,101 |
| Return on assets (ROA) | 1.2129% | 2,163 |
| Pretax return on assets | 1.4837% | 1,911 |
| Return on Equity (ROE) | 12.6430% | 1,352 |
| Retained earnings to average equity (ytd only) | 6.3950% | 2,105 |
| Net charge-offs to loans | 0.0055% | 2,955 |
| Credit loss provision to net charge-offs | 2,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 370.6667% | 213 |
| Efficiency ratio | 63.1055% | 3,267 |
| Assets per employee ($millions) | 4.4425% | 3,229 |
| Cash dividends to net income (ytd only)* | 49.4186% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 3,828 |
| Loan loss allowance to noncurrent loans | 473.0435% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 3,976 |
| Noncurrent loans to loans | 0.2032% | 3,822 |
| Net loans and leases to total assets | 76.4821% | 1,474 |
| Net loans and leases to deposits | 88.6441% | 1,918 |
| Net loans and leases to core deposits | 95.7752% | 2,094 |
| Total domestic deposits to total assets | 86.2800% | 1,904 |
| Equity capital to assets | 9.5544% | 4,354 |
| Core capital (leverage) ratio | 9.6967% | 3,935 |
| Tier 1 risk-based capital ratio | 13.0626% | 3,806 |
| Total risk-based capital ratio | 14.0790% | 3,832 |
| Memoranda: | ||
| Average total assets | $141,806,330 | 3,468 |
| Average earning assets | $131,560,670 | 3,454 |
| Average equity | $13,604,330 | 3,842 |
| Average total loans | $109,067,330 | 3,155 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7877% | 1,939 |
| Cost of funding earning assets | 0.7052% | 3,023 |
| Net interest margin | 4.0825% | 1,600 |
| Noninterest income to average assets | 0.4074% | 3,139 |
| Noninterest expense to average assets | 2.7459% | 2,757 |
| Loan and lease loss provision to assets | 0.0861% | 1,983 |
| Net operating income to assets | 1.1219% | 2,386 |
| Return on assets (ROA) | 1.1219% | 2,434 |
| Pretax return on assets | 1.3629% | 2,225 |
| Return on Equity (ROE) | 11.6690% | 1,666 |
| Retained earnings to average equity (ytd only) | 7.2223% | 1,962 |
| Net charge-offs to loans | 0.0037% | 2,590 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 505.0000% | 152 |
| Efficiency ratio | 65.4583% | 3,014 |
| Assets per employee ($millions) | 4.6051% | 3,034 |
| Cash dividends to net income (ytd only)* | 38.1074% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 3,823 |
| Loan loss allowance to noncurrent loans | 355.7047% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 3,782 |
| Noncurrent loans to loans | 0.2754% | 3,580 |
| Net loans and leases to total assets | 75.0426% | 1,633 |
| Net loans and leases to deposits | 87.1897% | 1,971 |
| Net loans and leases to core deposits | 93.7115% | 2,152 |
| Total domestic deposits to total assets | 86.0681% | 2,253 |
| Equity capital to assets | 9.5293% | 4,232 |
| Core capital (leverage) ratio | 9.8430% | 3,774 |
| Tier 1 risk-based capital ratio | 13.3690% | 3,686 |
| Total risk-based capital ratio | 14.3966% | 3,710 |
| Memoranda: | ||
| Average total assets | $139,408,000 | 3,539 |
| Average earning assets | $129,331,500 | 3,523 |
| Average equity | $13,403,000 | 3,889 |
| Average total loans | $106,994,500 | 3,214 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6465% | 2,000 |
| Cost of funding earning assets | 0.6052% | 2,678 |
| Net interest margin | 4.0413% | 1,852 |
| Noninterest income to average assets | 0.4134% | 3,359 |
| Noninterest expense to average assets | 2.9830% | 2,088 |
| Loan and lease loss provision to assets | 0.0907% | 2,334 |
| Net operating income to assets | 0.9205% | 3,365 |
| Return on assets (ROA) | 0.9205% | 3,353 |
| Pretax return on assets | 1.0845% | 3,329 |
| Return on Equity (ROE) | 9.4112% | 2,784 |
| Retained earnings to average equity (ytd only) | 3.6316% | 3,582 |
| Net charge-offs to loans | -0.0051% | 4,354 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7375% | 1,940 |
| Assets per employee ($millions) | 4.3889% | 3,321 |
| Cash dividends to net income (ytd only)* | 61.4122% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 3,842 |
| Loan loss allowance to noncurrent loans | 5,727.7778% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 4,834 |
| Noncurrent loans to loans | 0.0170% | 4,720 |
| Net loans and leases to total assets | 77.0030% | 1,440 |
| Net loans and leases to deposits | 87.5804% | 2,106 |
| Net loans and leases to core deposits | 94.0197% | 2,226 |
| Total domestic deposits to total assets | 87.9227% | 1,333 |
| Equity capital to assets | 9.7033% | 3,948 |
| Core capital (leverage) ratio | 9.8956% | 3,699 |
| Tier 1 risk-based capital ratio | 13.2830% | 3,672 |
| Total risk-based capital ratio | 14.2938% | 3,716 |
| Memoranda: | ||
| Average total assets | $132,316,200 | 3,623 |
| Average earning assets | $122,608,800 | 3,608 |
| Average equity | $12,942,000 | 3,894 |
| Average total loans | $98,931,200 | 3,323 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 2,029 |
| Cost of funding earning assets | 0.5859% | 2,578 |
| Net interest margin | 3.9969% | 1,970 |
| Noninterest income to average assets | 0.4191% | 3,361 |
| Noninterest expense to average assets | 2.8811% | 2,367 |
| Loan and lease loss provision to assets | 0.0913% | 2,150 |
| Net operating income to assets | 0.9682% | 3,225 |
| Return on assets (ROA) | 0.9682% | 3,239 |
| Pretax return on assets | 1.1508% | 3,190 |
| Return on Equity (ROE) | 9.8778% | 2,678 |
| Retained earnings to average equity (ytd only) | 2.7749% | 4,322 |
| Net charge-offs to loans | -0.0082% | 4,344 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8745% | 2,212 |
| Assets per employee ($millions) | 4.5462% | 3,048 |
| Cash dividends to net income (ytd only)* | 71.9074% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 3,671 |
| Loan loss allowance to noncurrent loans | 5,566.6667% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 4,943 |
| Noncurrent loans to loans | 0.0182% | 4,832 |
| Net loans and leases to total assets | 71.6985% | 2,374 |
| Net loans and leases to deposits | 81.5563% | 2,869 |
| Net loans and leases to core deposits | 87.2980% | 2,893 |
| Total domestic deposits to total assets | 87.9129% | 1,275 |
| Equity capital to assets | 9.4248% | 4,160 |
| Core capital (leverage) ratio | 9.7569% | 3,891 |
| Tier 1 risk-based capital ratio | 13.4635% | 3,645 |
| Total risk-based capital ratio | 14.4744% | 3,685 |
| Memoranda: | ||
| Average total assets | $131,381,000 | 3,667 |
| Average earning assets | $121,757,500 | 3,650 |
| Average equity | $12,877,000 | 3,930 |
| Average total loans | $97,214,250 | 3,381 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 1,887 |
| Cost of funding earning assets | 0.5542% | 2,576 |
| Net interest margin | 4.0106% | 1,825 |
| Noninterest income to average assets | 0.4456% | 3,184 |
| Noninterest expense to average assets | 2.8663% | 2,446 |
| Loan and lease loss provision to assets | 0.0925% | 2,064 |
| Net operating income to assets | 1.0115% | 2,967 |
| Return on assets (ROA) | 1.0115% | 2,971 |
| Pretax return on assets | 1.2027% | 2,934 |
| Return on Equity (ROE) | 10.1826% | 2,485 |
| Retained earnings to average equity (ytd only) | -0.4657% | 5,023 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8774% | 2,504 |
| Assets per employee ($millions) | 4.3491% | 3,353 |
| Cash dividends to net income (ytd only)* | 104.5732% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 3,877 |
| Loan loss allowance to noncurrent loans | 1,288.0000% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 4,745 |
| Noncurrent loans to loans | 0.0773% | 4,570 |
| Net loans and leases to total assets | 71.2925% | 2,390 |
| Net loans and leases to deposits | 81.3911% | 2,828 |
| Net loans and leases to core deposits | 89.6882% | 2,599 |
| Total domestic deposits to total assets | 87.5925% | 1,595 |
| Equity capital to assets | 9.3924% | 4,194 |
| Core capital (leverage) ratio | 9.7696% | 3,819 |
| Tier 1 risk-based capital ratio | 13.3201% | 3,722 |
| Total risk-based capital ratio | 14.3061% | 3,784 |
| Memoranda: | ||
| Average total assets | $129,713,000 | 3,708 |
| Average earning assets | $120,181,670 | 3,710 |
| Average equity | $12,884,670 | 3,946 |
| Average total loans | $96,689,670 | 3,397 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5115% | 1,833 |
| Cost of funding earning assets | 0.5073% | 2,738 |
| Net interest margin | 4.0041% | 1,717 |
| Noninterest income to average assets | 0.4876% | 2,884 |
| Noninterest expense to average assets | 2.9129% | 2,315 |
| Loan and lease loss provision to assets | 0.0944% | 1,937 |
| Net operating income to assets | 1.0035% | 2,845 |
| Return on assets (ROA) | 1.0035% | 2,862 |
| Pretax return on assets | 1.1796% | 2,844 |
| Return on Equity (ROE) | 9.8188% | 2,526 |
| Retained earnings to average equity (ytd only) | -0.7079% | 4,883 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5718% | 2,559 |
| Assets per employee ($millions) | 3.9628% | 4,038 |
| Cash dividends to net income (ytd only)* | 107.2100% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 4,079 |
| Loan loss allowance to noncurrent loans | 1,248.0000% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 4,806 |
| Noncurrent loans to loans | 0.0783% | 4,632 |
| Net loans and leases to total assets | 72.5152% | 2,090 |
| Net loans and leases to deposits | 83.0111% | 2,500 |
| Net loans and leases to core deposits | 94.3686% | 2,107 |
| Total domestic deposits to total assets | 87.3560% | 1,982 |
| Equity capital to assets | 9.8682% | 3,734 |
| Core capital (leverage) ratio | 10.3767% | 3,089 |
| Tier 1 risk-based capital ratio | 13.8873% | 3,437 |
| Total risk-based capital ratio | 14.8690% | 3,504 |
| Memoranda: | ||
| Average total assets | $127,158,500 | 3,777 |
| Average earning assets | $117,478,500 | 3,792 |
| Average equity | $12,995,500 | 3,969 |
| Average total loans | $96,492,500 | 3,420 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4572% | 1,855 |
| Cost of funding earning assets | 0.4045% | 3,206 |
| Net interest margin | 4.0527% | 1,578 |
| Noninterest income to average assets | 0.4149% | 3,534 |
| Noninterest expense to average assets | 2.8978% | 2,462 |
| Loan and lease loss provision to assets | 0.0961% | 2,287 |
| Net operating income to assets | 0.8481% | 2,962 |
| Return on assets (ROA) | 0.8890% | 2,796 |
| Pretax return on assets | 1.2503% | 2,553 |
| Return on Equity (ROE) | 8.5913% | 2,498 |
| Retained earnings to average equity (ytd only) | 3.1734% | 3,400 |
| Net charge-offs to loans | 0.0032% | 3,990 |
| Credit loss provision to net charge-offs | 4,000.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 536.3333% | 164 |
| Efficiency ratio | 69.2175% | 2,665 |
| Assets per employee ($millions) | 3.7437% | 4,372 |
| Cash dividends to net income (ytd only)* | 63.0631% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 4,306 |
| Loan loss allowance to noncurrent loans | 10,066.6667% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 5,143 |
| Noncurrent loans to loans | 0.0093% | 5,004 |
| Net loans and leases to total assets | 77.9583% | 1,292 |
| Net loans and leases to deposits | 92.7638% | 1,412 |
| Net loans and leases to core deposits | 108.4241% | 1,101 |
| Total domestic deposits to total assets | 84.0396% | 3,193 |
| Equity capital to assets | 10.5923% | 3,061 |
| Core capital (leverage) ratio | 10.7120% | 2,633 |
| Tier 1 risk-based capital ratio | 14.0094% | 3,354 |
| Total risk-based capital ratio | 14.9664% | 3,427 |
| Memoranda: | ||
| Average total assets | $124,854,600 | 3,821 |
| Average earning assets | $116,192,800 | 3,812 |
| Average equity | $12,920,000 | 3,993 |
| Average total loans | $92,940,800 | 3,471 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 1,891 |
| Cost of funding earning assets | 0.3969% | 3,229 |
| Net interest margin | 4.0245% | 1,618 |
| Noninterest income to average assets | 0.4133% | 3,602 |
| Noninterest expense to average assets | 2.7596% | 2,862 |
| Loan and lease loss provision to assets | 0.0959% | 2,184 |
| Net operating income to assets | 1.0406% | 2,369 |
| Return on assets (ROA) | 1.0406% | 2,406 |
| Pretax return on assets | 1.3058% | 2,458 |
| Return on Equity (ROE) | 10.1148% | 2,079 |
| Retained earnings to average equity (ytd only) | 2.9195% | 4,167 |
| Net charge-offs to loans | 0.0029% | 3,646 |
| Credit loss provision to net charge-offs | 4,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 657.1610% | 157 |
| Efficiency ratio | 66.3169% | 3,159 |
| Assets per employee ($millions) | 3.7317% | 4,407 |
| Cash dividends to net income (ytd only)* | 71.1361% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 4,314 |
| Loan loss allowance to noncurrent loans | 812.0370% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 4,800 |
| Noncurrent loans to loans | 0.1172% | 4,588 |
| Net loans and leases to total assets | 74.1340% | 1,888 |
| Net loans and leases to deposits | 86.1555% | 2,275 |
| Net loans and leases to core deposits | 100.5341% | 1,660 |
| Total domestic deposits to total assets | 86.0466% | 2,289 |
| Equity capital to assets | 10.6589% | 3,202 |
| Core capital (leverage) ratio | 10.4517% | 3,041 |
| Tier 1 risk-based capital ratio | 14.4797% | 3,196 |
| Total risk-based capital ratio | 15.4485% | 3,256 |
| Memoranda: | ||
| Average total assets | $125,182,500 | 3,859 |
| Average earning assets | $116,582,000 | 3,847 |
| Average equity | $12,878,500 | 4,040 |
| Average total loans | $91,871,500 | 3,525 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 1,770 |
| Cost of funding earning assets | 0.3839% | 3,251 |
| Net interest margin | 4.0282% | 1,522 |
| Noninterest income to average assets | 0.4211% | 3,553 |
| Noninterest expense to average assets | 2.7459% | 2,942 |
| Loan and lease loss provision to assets | 0.0953% | 2,084 |
| Net operating income to assets | 1.0631% | 2,152 |
| Return on assets (ROA) | 1.0631% | 2,197 |
| Pretax return on assets | 1.3316% | 2,264 |
| Return on Equity (ROE) | 10.4564% | 1,858 |
| Retained earnings to average equity (ytd only) | -0.4064% | 5,148 |
| Net charge-offs to loans | 0.0022% | 3,438 |
| Credit loss provision to net charge-offs | 6,000.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 898.0000% | 79 |
| Efficiency ratio | 65.8035% | 3,383 |
| Assets per employee ($millions) | 3.7934% | 4,286 |
| Cash dividends to net income (ytd only)* | 103.8864% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 4,520 |
| Loan loss allowance to noncurrent loans | 2,826.6667% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 5,176 |
| Noncurrent loans to loans | 0.0329% | 5,025 |
| Net loans and leases to total assets | 72.2740% | 2,155 |
| Net loans and leases to deposits | 86.2816% | 2,182 |
| Net loans and leases to core deposits | 99.1778% | 1,709 |
| Total domestic deposits to total assets | 83.7652% | 3,299 |
| Equity capital to assets | 10.2443% | 3,623 |
| Core capital (leverage) ratio | 10.1340% | 3,361 |
| Tier 1 risk-based capital ratio | 14.0084% | 3,423 |
| Total risk-based capital ratio | 14.9364% | 3,516 |
| Memoranda: | ||
| Average total assets | $125,861,330 | 3,869 |
| Average earning assets | $117,223,670 | 3,853 |
| Average equity | $12,796,000 | 4,066 |
| Average total loans | $91,772,000 | 3,544 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 1,697 |
| Cost of funding earning assets | 0.3574% | 3,452 |
| Net interest margin | 4.0266% | 1,399 |
| Noninterest income to average assets | 0.4152% | 3,561 |
| Noninterest expense to average assets | 2.7607% | 2,921 |
| Loan and lease loss provision to assets | 0.0951% | 1,957 |
| Net operating income to assets | 1.0428% | 2,107 |
| Return on assets (ROA) | 1.0428% | 2,156 |
| Pretax return on assets | 1.3090% | 2,204 |
| Return on Equity (ROE) | 10.2957% | 1,830 |
| Retained earnings to average equity (ytd only) | -0.5007% | 5,002 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2861% | 3,450 |
| Assets per employee ($millions) | 3.8434% | 4,275 |
| Cash dividends to net income (ytd only)* | 104.8632% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 4,838 |
| Loan loss allowance to noncurrent loans | 2,730.0000% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 5,234 |
| Noncurrent loans to loans | 0.0321% | 5,078 |
| Net loans and leases to total assets | 73.0194% | 1,911 |
| Net loans and leases to deposits | 84.4237% | 2,232 |
| Net loans and leases to core deposits | 97.4463% | 1,709 |
| Total domestic deposits to total assets | 86.4916% | 2,443 |
| Equity capital to assets | 10.0858% | 3,651 |
| Core capital (leverage) ratio | 9.9766% | 3,528 |
| Tier 1 risk-based capital ratio | 13.2759% | 3,899 |
| Total risk-based capital ratio | 14.1248% | 4,057 |
| Memoranda: | ||
| Average total assets | $126,201,000 | 3,902 |
| Average earning assets | $117,518,500 | 3,881 |
| Average equity | $12,782,000 | 4,091 |
| Average total loans | $91,997,000 | 3,555 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0718% | 2,945 |
| Cost of funding earning assets | 0.2723% | 4,338 |
| Net interest margin | 3.7994% | 2,319 |
| Noninterest income to average assets | 0.3316% | 4,363 |
| Noninterest expense to average assets | 2.7986% | 3,025 |
| Loan and lease loss provision to assets | 0.0821% | 2,714 |
| Net operating income to assets | 0.8639% | 3,006 |
| Return on assets (ROA) | 0.9292% | 2,800 |
| Pretax return on assets | 1.1435% | 2,923 |
| Return on Equity (ROE) | 9.3193% | 2,263 |
| Retained earnings to average equity (ytd only) | 3.7104% | 3,273 |
| Net charge-offs to loans | -0.0305% | 5,250 |
| Credit loss provision to net charge-offs | -403.8462% | 5,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9639% | 2,755 |
| Assets per employee ($millions) | 3.8052% | 4,301 |
| Cash dividends to net income (ytd only)* | 60.1852% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 4,894 |
| Loan loss allowance to noncurrent loans | 26,300.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,434 |
| Noncurrent loans to loans | 0.0033% | 5,303 |
| Net loans and leases to total assets | 71.4932% | 2,244 |
| Net loans and leases to deposits | 86.3851% | 2,117 |
| Net loans and leases to core deposits | 100.8470% | 1,552 |
| Total domestic deposits to total assets | 82.7610% | 3,840 |
| Equity capital to assets | 10.1712% | 3,517 |
| Core capital (leverage) ratio | 10.5823% | 2,794 |
| Tier 1 risk-based capital ratio | 12.7904% | 4,209 |
| Total risk-based capital ratio | 13.5768% | 4,378 |
| Memoranda: | ||
| Average total assets | $127,851,800 | 3,867 |
| Average earning assets | $121,544,400 | 3,800 |
| Average equity | $12,747,800 | 4,130 |
| Average total loans | $85,263,800 | 3,681 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,072 |
| Cost of funding earning assets | 0.2650% | 4,446 |
| Net interest margin | 3.7750% | 2,430 |
| Noninterest income to average assets | 0.3436% | 4,329 |
| Noninterest expense to average assets | 2.7139% | 3,319 |
| Loan and lease loss provision to assets | 0.0779% | 2,665 |
| Net operating income to assets | 0.9344% | 2,727 |
| Return on assets (ROA) | 1.0050% | 2,547 |
| Pretax return on assets | 1.2490% | 2,624 |
| Return on Equity (ROE) | 10.1291% | 2,000 |
| Retained earnings to average equity (ytd only) | 2.7311% | 4,257 |
| Net charge-offs to loans | -0.0429% | 5,314 |
| Credit loss provision to net charge-offs | -277.7778% | 4,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6630% | 3,104 |
| Assets per employee ($millions) | 3.6994% | 4,475 |
| Cash dividends to net income (ytd only)* | 73.0372% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 4,917 |
| Loan loss allowance to noncurrent loans | 19,000.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 5,271 |
| Noncurrent loans to loans | 0.0047% | 5,406 |
| Net loans and leases to total assets | 69.7548% | 2,528 |
| Net loans and leases to deposits | 78.8803% | 3,089 |
| Net loans and leases to core deposits | 92.7433% | 2,309 |
| Total domestic deposits to total assets | 88.4313% | 1,176 |
| Equity capital to assets | 10.6169% | 3,441 |
| Core capital (leverage) ratio | 9.9097% | 3,680 |
| Tier 1 risk-based capital ratio | 14.5980% | 3,234 |
| Total risk-based capital ratio | 15.4777% | 3,367 |
| Memoranda: | ||
| Average total assets | $128,422,250 | 3,880 |
| Average earning assets | $122,770,750 | 3,801 |
| Average equity | $12,741,750 | 4,169 |
| Average total loans | $83,939,000 | 3,731 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 3,474 |
| Cost of funding earning assets | 0.2497% | 4,658 |
| Net interest margin | 3.6885% | 2,738 |
| Noninterest income to average assets | 0.3585% | 4,203 |
| Noninterest expense to average assets | 2.6812% | 3,448 |
| Loan and lease loss provision to assets | 0.0689% | 2,759 |
| Net operating income to assets | 0.9217% | 2,759 |
| Return on assets (ROA) | 0.9974% | 2,544 |
| Pretax return on assets | 1.2318% | 2,662 |
| Return on Equity (ROE) | 10.2773% | 1,934 |
| Retained earnings to average equity (ytd only) | -0.8841% | 5,426 |
| Net charge-offs to loans | -0.0672% | 5,478 |
| Credit loss provision to net charge-offs | -160.7143% | 4,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9519% | 3,164 |
| Assets per employee ($millions) | 4.0234% | 3,862 |
| Cash dividends to net income (ytd only)* | 108.6022% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8636% | 5,085 |
| Loan loss allowance to noncurrent loans | 14,620.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 4,985 |
| Noncurrent loans to loans | 0.0059% | 5,492 |
| Net loans and leases to total assets | 65.1762% | 3,203 |
| Net loans and leases to deposits | 74.3639% | 3,544 |
| Net loans and leases to core deposits | 82.4252% | 3,228 |
| Total domestic deposits to total assets | 87.6449% | 1,603 |
| Equity capital to assets | 9.9520% | 4,287 |
| Core capital (leverage) ratio | 9.4379% | 4,284 |
| Tier 1 risk-based capital ratio | 14.2376% | 3,477 |
| Total risk-based capital ratio | 15.0840% | 3,623 |
| Memoranda: | ||
| Average total assets | $130,536,670 | 3,866 |
| Average earning assets | $124,929,330 | 3,780 |
| Average equity | $12,668,670 | 4,205 |
| Average total loans | $83,280,000 | 3,774 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 3,697 |
| Cost of funding earning assets | 0.2480% | 4,731 |
| Net interest margin | 3.6215% | 3,000 |
| Noninterest income to average assets | 0.3622% | 4,131 |
| Noninterest expense to average assets | 2.6417% | 3,601 |
| Loan and lease loss provision to assets | 0.0457% | 3,004 |
| Net operating income to assets | 0.9130% | 2,682 |
| Return on assets (ROA) | 0.9130% | 2,802 |
| Pretax return on assets | 1.1413% | 2,929 |
| Return on Equity (ROE) | 9.5265% | 2,191 |
| Retained earnings to average equity (ytd only) | -1.5560% | 5,340 |
| Net charge-offs to loans | -0.1356% | 5,742 |
| Credit loss provision to net charge-offs | -53.5714% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9984% | 3,300 |
| Assets per employee ($millions) | 4.1535% | 3,668 |
| Cash dividends to net income (ytd only)* | 116.3333% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 5,278 |
| Loan loss allowance to noncurrent loans | 66.9532% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 2,414 |
| Noncurrent loans to loans | 1.2438% | 1,945 |
| Net loans and leases to total assets | 62.8074% | 3,413 |
| Net loans and leases to deposits | 70.3963% | 3,825 |
| Net loans and leases to core deposits | 77.7871% | 3,513 |
| Total domestic deposits to total assets | 89.2199% | 989 |
| Equity capital to assets | 9.5703% | 4,596 |
| Core capital (leverage) ratio | 9.3690% | 4,401 |
| Tier 1 risk-based capital ratio | 14.8172% | 3,236 |
| Total risk-based capital ratio | 15.6614% | 3,375 |
| Memoranda: | ||
| Average total assets | $131,431,000 | 3,889 |
| Average earning assets | $125,804,500 | 3,791 |
| Average equity | $12,596,500 | 4,224 |
| Average total loans | $82,598,000 | 3,792 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 3,198 |
| Cost of funding earning assets | 0.2404% | 4,888 |
| Net interest margin | 3.7899% | 2,410 |
| Noninterest income to average assets | 0.3352% | 4,505 |
| Noninterest expense to average assets | 2.8260% | 3,127 |
| Loan and lease loss provision to assets | 0.0525% | 3,261 |
| Net operating income to assets | 0.8967% | 2,889 |
| Return on assets (ROA) | 0.9231% | 2,832 |
| Pretax return on assets | 1.1041% | 3,035 |
| Return on Equity (ROE) | 9.2919% | 2,324 |
| Retained earnings to average equity (ytd only) | 3.3575% | 3,657 |
| Net charge-offs to loans | -0.0051% | 4,983 |
| Credit loss provision to net charge-offs | -1,625.0000% | 5,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5249% | 2,977 |
| Assets per employee ($millions) | 3.8221% | 4,250 |
| Cash dividends to net income (ytd only)* | 63.8670% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8122% | 5,378 |
| Loan loss allowance to noncurrent loans | 6,580.0000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 4,913 |
| Noncurrent loans to loans | 0.0123% | 5,484 |
| Net loans and leases to total assets | 61.8379% | 3,585 |
| Net loans and leases to deposits | 69.2320% | 3,996 |
| Net loans and leases to core deposits | 76.3883% | 3,721 |
| Total domestic deposits to total assets | 89.3198% | 953 |
| Equity capital to assets | 9.5982% | 4,437 |
| Core capital (leverage) ratio | 9.4726% | 4,216 |
| Tier 1 risk-based capital ratio | 15.2711% | 3,048 |
| Total risk-based capital ratio | 16.0846% | 3,193 |
| Memoranda: | ||
| Average total assets | $123,815,400 | 4,011 |
| Average earning assets | $118,129,400 | 3,921 |
| Average equity | $12,301,000 | 4,244 |
| Average total loans | $78,442,000 | 3,877 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 3,197 |
| Cost of funding earning assets | 0.2367% | 5,023 |
| Net interest margin | 3.7958% | 2,403 |
| Noninterest income to average assets | 0.3456% | 4,459 |
| Noninterest expense to average assets | 2.7270% | 3,472 |
| Loan and lease loss provision to assets | 0.0545% | 3,104 |
| Net operating income to assets | 0.9746% | 2,597 |
| Return on assets (ROA) | 0.9889% | 2,605 |
| Pretax return on assets | 1.2016% | 2,815 |
| Return on Equity (ROE) | 9.8654% | 2,155 |
| Retained earnings to average equity (ytd only) | 2.0557% | 4,850 |
| Net charge-offs to loans | -0.0034% | 4,764 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7655% | 3,413 |
| Assets per employee ($millions) | 3.5256% | 4,754 |
| Cash dividends to net income (ytd only)* | 79.1623% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 5,433 |
| Loan loss allowance to noncurrent loans | 4,930.7692% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 4,972 |
| Noncurrent loans to loans | 0.0169% | 5,574 |
| Net loans and leases to total assets | 63.6703% | 3,357 |
| Net loans and leases to deposits | 71.6717% | 3,806 |
| Net loans and leases to core deposits | 79.7678% | 3,445 |
| Total domestic deposits to total assets | 88.8361% | 1,108 |
| Equity capital to assets | 10.4022% | 3,706 |
| Core capital (leverage) ratio | 10.0125% | 3,611 |
| Tier 1 risk-based capital ratio | 16.1285% | 2,739 |
| Total risk-based capital ratio | 16.9810% | 2,866 |
| Memoranda: | ||
| Average total assets | $122,281,500 | 4,078 |
| Average earning assets | $116,617,750 | 3,991 |
| Average equity | $12,258,000 | 4,309 |
| Average total loans | $77,798,250 | 3,931 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 3,358 |
| Cost of funding earning assets | 0.2319% | 5,123 |
| Net interest margin | 3.7532% | 2,505 |
| Noninterest income to average assets | 0.3575% | 4,395 |
| Noninterest expense to average assets | 2.6762% | 3,668 |
| Loan and lease loss provision to assets | 0.0569% | 2,959 |
| Net operating income to assets | 0.9934% | 2,419 |
| Return on assets (ROA) | 1.0042% | 2,475 |
| Pretax return on assets | 1.2138% | 2,719 |
| Return on Equity (ROE) | 10.1414% | 2,002 |
| Retained earnings to average equity (ytd only) | -1.6410% | 5,792 |
| Net charge-offs to loans | -0.0077% | 4,858 |
| Credit loss provision to net charge-offs | -1,166.6667% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0297% | 3,665 |
| Assets per employee ($millions) | 3.6066% | 4,616 |
| Cash dividends to net income (ytd only)* | 116.1812% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7852% | 5,636 |
| Loan loss allowance to noncurrent loans | 371.0059% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 5,130 |
| Noncurrent loans to loans | 0.2116% | 4,922 |
| Net loans and leases to total assets | 64.6089% | 3,180 |
| Net loans and leases to deposits | 73.5693% | 3,544 |
| Net loans and leases to core deposits | 84.8689% | 2,898 |
| Total domestic deposits to total assets | 87.8205% | 1,745 |
| Equity capital to assets | 9.8007% | 4,277 |
| Core capital (leverage) ratio | 9.6827% | 4,025 |
| Tier 1 risk-based capital ratio | 15.3069% | 3,195 |
| Total risk-based capital ratio | 16.1176% | 3,367 |
| Memoranda: | ||
| Average total assets | $123,085,670 | 4,091 |
| Average earning assets | $117,286,670 | 4,005 |
| Average equity | $12,187,670 | 4,349 |
| Average total loans | $78,077,000 | 3,946 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,416 |
| Cost of funding earning assets | 0.2278% | 5,239 |
| Net interest margin | 3.7222% | 2,544 |
| Noninterest income to average assets | 0.3438% | 4,447 |
| Noninterest expense to average assets | 2.6793% | 3,659 |
| Loan and lease loss provision to assets | 0.0649% | 2,634 |
| Net operating income to assets | 0.9802% | 2,340 |
| Return on assets (ROA) | 1.0023% | 2,394 |
| Pretax return on assets | 1.1775% | 2,749 |
| Return on Equity (ROE) | 10.0713% | 1,971 |
| Retained earnings to average equity (ytd only) | -1.4341% | 5,607 |
| Net charge-offs to loans | -0.0104% | 4,733 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7760% | 3,700 |
| Assets per employee ($millions) | 3.6429% | 4,625 |
| Cash dividends to net income (ytd only)* | 114.2395% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7742% | 5,746 |
| Loan loss allowance to noncurrent loans | 293.7500% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 5,098 |
| Noncurrent loans to loans | 0.2636% | 4,839 |
| Net loans and leases to total assets | 63.2219% | 3,204 |
| Net loans and leases to deposits | 71.4790% | 3,594 |
| Net loans and leases to core deposits | 79.2924% | 3,250 |
| Total domestic deposits to total assets | 88.4482% | 1,572 |
| Equity capital to assets | 9.9444% | 4,209 |
| Core capital (leverage) ratio | 9.7383% | 3,971 |
| Tier 1 risk-based capital ratio | 15.7865% | 3,024 |
| Total risk-based capital ratio | 16.5974% | 3,160 |
| Memoranda: | ||
| Average total assets | $123,316,500 | 4,118 |
| Average earning assets | $117,672,000 | 4,026 |
| Average equity | $12,272,500 | 4,367 |
| Average total loans | $77,189,000 | 3,988 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 3,430 |
| Cost of funding earning assets | 0.2499% | 5,323 |
| Net interest margin | 3.8226% | 2,539 |
| Noninterest income to average assets | 0.3425% | 4,648 |
| Noninterest expense to average assets | 2.7672% | 3,606 |
| Loan and lease loss provision to assets | 0.1527% | 1,720 |
| Net operating income to assets | 0.9058% | 2,843 |
| Return on assets (ROA) | 0.9490% | 2,720 |
| Pretax return on assets | 1.1187% | 3,012 |
| Return on Equity (ROE) | 10.0589% | 2,093 |
| Retained earnings to average equity (ytd only) | 3.6811% | 3,603 |
| Net charge-offs to loans | 0.4024% | 1,066 |
| Credit loss provision to net charge-offs | 63.0000% | 3,235 |
| Earnings coverage of net charge-offs (x) | 5.0367% | 3,512 |
| Efficiency ratio | 69.3944% | 3,647 |
| Assets per employee ($millions) | 3.6110% | 4,701 |
| Cash dividends to net income (ytd only)* | 63.4043% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7805% | 5,827 |
| Loan loss allowance to noncurrent loans | 530.6306% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 5,662 |
| Noncurrent loans to loans | 0.1471% | 5,303 |
| Net loans and leases to total assets | 60.9836% | 3,639 |
| Net loans and leases to deposits | 70.6340% | 3,823 |
| Net loans and leases to core deposits | 79.5233% | 3,344 |
| Total domestic deposits to total assets | 86.3375% | 2,650 |
| Equity capital to assets | 9.9598% | 4,167 |
| Core capital (leverage) ratio | 9.6889% | 3,984 |
| Tier 1 risk-based capital ratio | 16.1309% | 2,903 |
| Total risk-based capital ratio | 16.9268% | 3,070 |
| Memoranda: | ||
| Average total assets | $123,808,400 | 4,104 |
| Average earning assets | $118,062,200 | 4,007 |
| Average equity | $11,681,200 | 4,423 |
| Average total loans | $74,555,000 | 4,040 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 3,540 |
| Cost of funding earning assets | 0.2514% | 5,393 |
| Net interest margin | 3.8029% | 2,611 |
| Noninterest income to average assets | 0.3503% | 4,641 |
| Noninterest expense to average assets | 2.6845% | 3,877 |
| Loan and lease loss provision to assets | 0.1870% | 1,301 |
| Net operating income to assets | 0.9599% | 2,641 |
| Return on assets (ROA) | 0.9618% | 2,706 |
| Pretax return on assets | 1.1069% | 3,159 |
| Return on Equity (ROE) | 10.3365% | 2,057 |
| Retained earnings to average equity (ytd only) | 1.9287% | 5,093 |
| Net charge-offs to loans | 0.5453% | 701 |
| Credit loss provision to net charge-offs | 57.2368% | 2,992 |
| Earnings coverage of net charge-offs (x) | 3.9540% | 3,563 |
| Efficiency ratio | 67.5135% | 3,938 |
| Assets per employee ($millions) | 3.6218% | 4,634 |
| Cash dividends to net income (ytd only)* | 81.3408% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7692% | 5,951 |
| Loan loss allowance to noncurrent loans | 919.3548% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 5,952 |
| Noncurrent loans to loans | 0.0837% | 5,695 |
| Net loans and leases to total assets | 59.7124% | 3,836 |
| Net loans and leases to deposits | 66.5957% | 4,271 |
| Net loans and leases to core deposits | 75.5846% | 3,801 |
| Total domestic deposits to total assets | 89.6640% | 897 |
| Equity capital to assets | 9.6263% | 4,640 |
| Core capital (leverage) ratio | 9.4766% | 4,412 |
| Tier 1 risk-based capital ratio | 15.9972% | 3,058 |
| Total risk-based capital ratio | 16.7781% | 3,240 |
| Memoranda: | ||
| Average total assets | $124,067,000 | 4,135 |
| Average earning assets | $118,293,000 | 4,031 |
| Average equity | $11,544,500 | 4,472 |
| Average total loans | $74,328,500 | 4,077 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0594% | 3,506 |
| Cost of funding earning assets | 0.2552% | 5,435 |
| Net interest margin | 3.8042% | 2,558 |
| Noninterest income to average assets | 0.3682% | 4,496 |
| Noninterest expense to average assets | 2.6806% | 3,940 |
| Loan and lease loss provision to assets | 0.2460% | 900 |
| Net operating income to assets | 0.9667% | 2,468 |
| Return on assets (ROA) | 0.9696% | 2,544 |
| Pretax return on assets | 1.0645% | 3,229 |
| Return on Equity (ROE) | 10.5407% | 1,922 |
| Retained earnings to average equity (ytd only) | -2.0977% | 6,006 |
| Net charge-offs to loans | 0.9301% | 386 |
| Credit loss provision to net charge-offs | 44.2197% | 2,873 |
| Earnings coverage of net charge-offs (x) | 2.3497% | 3,569 |
| Efficiency ratio | 67.2177% | 4,157 |
| Assets per employee ($millions) | 3.5357% | 4,779 |
| Cash dividends to net income (ytd only)* | 119.9005% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6852% | 6,197 |
| Loan loss allowance to noncurrent loans | 804.7619% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 6,038 |
| Noncurrent loans to loans | 0.0851% | 5,766 |
| Net loans and leases to total assets | 59.3789% | 3,806 |
| Net loans and leases to deposits | 66.2902% | 4,243 |
| Net loans and leases to core deposits | 74.8503% | 3,744 |
| Total domestic deposits to total assets | 89.5742% | 1,037 |
| Equity capital to assets | 9.3494% | 4,922 |
| Core capital (leverage) ratio | 9.1238% | 4,846 |
| Tier 1 risk-based capital ratio | 16.1601% | 2,999 |
| Total risk-based capital ratio | 16.8795% | 3,224 |
| Memoranda: | ||
| Average total assets | $124,375,330 | 4,151 |
| Average earning assets | $118,343,000 | 4,055 |
| Average equity | $11,441,330 | 4,512 |
| Average total loans | $74,404,330 | 4,093 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 3,491 |
| Cost of funding earning assets | 0.2599% | 5,493 |
| Net interest margin | 3.7870% | 2,521 |
| Noninterest income to average assets | 0.3657% | 4,461 |
| Noninterest expense to average assets | 2.7076% | 3,908 |
| Loan and lease loss provision to assets | 0.1604% | 1,520 |
| Net operating income to assets | 0.9517% | 2,399 |
| Return on assets (ROA) | 0.9656% | 2,406 |
| Pretax return on assets | 1.1132% | 2,840 |
| Return on Equity (ROE) | 10.5828% | 1,833 |
| Retained earnings to average equity (ytd only) | -1.7579% | 5,832 |
| Net charge-offs to loans | -0.0161% | 5,240 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2848% | 4,138 |
| Assets per employee ($millions) | 3.9531% | 4,039 |
| Cash dividends to net income (ytd only)* | 116.6113% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 5,544 |
| Loan loss allowance to noncurrent loans | 181.8841% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 5,165 |
| Noncurrent loans to loans | 0.5469% | 4,527 |
| Net loans and leases to total assets | 59.2490% | 3,673 |
| Net loans and leases to deposits | 66.4521% | 4,033 |
| Net loans and leases to core deposits | 74.5489% | 3,582 |
| Total domestic deposits to total assets | 89.1605% | 1,554 |
| Equity capital to assets | 9.0277% | 5,090 |
| Core capital (leverage) ratio | 9.2083% | 4,708 |
| Tier 1 risk-based capital ratio | 15.3298% | 3,533 |
| Total risk-based capital ratio | 16.3438% | 3,618 |
| Memoranda: | ||
| Average total assets | $124,687,500 | 4,177 |
| Average earning assets | $118,512,000 | 4,082 |
| Average equity | $11,377,000 | 4,527 |
| Average total loans | $74,612,000 | 4,116 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0185% | 4,026 |
| Cost of funding earning assets | 0.3244% | 5,386 |
| Net interest margin | 3.6942% | 3,076 |
| Noninterest income to average assets | 0.4179% | 4,314 |
| Noninterest expense to average assets | 2.6480% | 4,288 |
| Loan and lease loss provision to assets | 0.0792% | 3,522 |
| Net operating income to assets | 0.9454% | 2,588 |
| Return on assets (ROA) | 1.0065% | 2,359 |
| Pretax return on assets | 1.2832% | 2,223 |
| Return on Equity (ROE) | 10.8506% | 1,814 |
| Retained earnings to average equity (ytd only) | 5.5705% | 2,236 |
| Net charge-offs to loans | 0.0732% | 4,183 |
| Credit loss provision to net charge-offs | 186.5385% | 1,221 |
| Earnings coverage of net charge-offs (x) | 30.2500% | 1,183 |
| Efficiency ratio | 67.3448% | 4,317 |
| Assets per employee ($millions) | 4.2371% | 3,389 |
| Cash dividends to net income (ytd only)* | 48.6618% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 5,751 |
| Loan loss allowance to noncurrent loans | 168.2692% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 5,252 |
| Noncurrent loans to loans | 0.5658% | 4,577 |
| Net loans and leases to total assets | 59.2643% | 3,832 |
| Net loans and leases to deposits | 67.2028% | 4,160 |
| Net loans and leases to core deposits | 75.6786% | 3,643 |
| Total domestic deposits to total assets | 88.1872% | 2,063 |
| Equity capital to assets | 9.2240% | 4,776 |
| Core capital (leverage) ratio | 9.2941% | 4,560 |
| Tier 1 risk-based capital ratio | 15.6145% | 3,298 |
| Total risk-based capital ratio | 16.5642% | 3,425 |
| Memoranda: | ||
| Average total assets | $122,505,400 | 4,225 |
| Average earning assets | $116,535,400 | 4,120 |
| Average equity | $11,363,400 | 4,566 |
| Average total loans | $70,993,000 | 4,229 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9686% | 4,245 |
| Cost of funding earning assets | 0.3359% | 5,426 |
| Net interest margin | 3.6327% | 3,312 |
| Noninterest income to average assets | 0.4466% | 4,182 |
| Noninterest expense to average assets | 2.6380% | 4,250 |
| Loan and lease loss provision to assets | 0.0490% | 4,032 |
| Net operating income to assets | 0.9401% | 2,640 |
| Return on assets (ROA) | 1.0217% | 2,378 |
| Pretax return on assets | 1.3157% | 2,278 |
| Return on Equity (ROE) | 10.9987% | 1,815 |
| Retained earnings to average equity (ytd only) | 4.1978% | 3,697 |
| Net charge-offs to loans | 0.1004% | 3,542 |
| Credit loss provision to net charge-offs | 84.9057% | 2,731 |
| Earnings coverage of net charge-offs (x) | 21.8317% | 1,531 |
| Efficiency ratio | 67.6725% | 4,155 |
| Assets per employee ($millions) | 4.3078% | 3,210 |
| Cash dividends to net income (ytd only)* | 61.8331% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 6,088 |
| Loan loss allowance to noncurrent loans | 152.5943% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 5,387 |
| Noncurrent loans to loans | 0.5812% | 4,751 |
| Net loans and leases to total assets | 57.8743% | 4,030 |
| Net loans and leases to deposits | 64.4046% | 4,474 |
| Net loans and leases to core deposits | 73.7138% | 3,883 |
| Total domestic deposits to total assets | 89.8604% | 1,079 |
| Equity capital to assets | 8.9733% | 5,219 |
| Core capital (leverage) ratio | 9.1188% | 4,942 |
| Tier 1 risk-based capital ratio | 15.3005% | 3,566 |
| Total risk-based capital ratio | 16.1816% | 3,746 |
| Memoranda: | ||
| Average total assets | $122,413,000 | 4,265 |
| Average earning assets | $116,309,500 | 4,169 |
| Average equity | $11,370,750 | 4,613 |
| Average total loans | $70,361,000 | 4,291 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9776% | 4,197 |
| Cost of funding earning assets | 0.3375% | 5,504 |
| Net interest margin | 3.6400% | 3,209 |
| Noninterest income to average assets | 0.4902% | 3,898 |
| Noninterest expense to average assets | 2.7259% | 3,941 |
| Loan and lease loss provision to assets | 0.0494% | 3,996 |
| Net operating income to assets | 0.9364% | 2,636 |
| Return on assets (ROA) | 1.0627% | 2,183 |
| Pretax return on assets | 1.3325% | 2,179 |
| Return on Equity (ROE) | 11.3092% | 1,718 |
| Retained earnings to average equity (ytd only) | 1.1554% | 5,442 |
| Net charge-offs to loans | 0.1612% | 2,817 |
| Credit loss provision to net charge-offs | 53.5714% | 3,145 |
| Earnings coverage of net charge-offs (x) | 13.2857% | 1,911 |
| Efficiency ratio | 69.0129% | 4,005 |
| Assets per employee ($millions) | 4.2908% | 3,189 |
| Cash dividends to net income (ytd only)* | 89.7833% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 6,214 |
| Loan loss allowance to noncurrent loans | 146.9626% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 5,451 |
| Noncurrent loans to loans | 0.5940% | 4,770 |
| Net loans and leases to total assets | 57.3968% | 4,078 |
| Net loans and leases to deposits | 65.6247% | 4,312 |
| Net loans and leases to core deposits | 75.8182% | 3,566 |
| Total domestic deposits to total assets | 87.4622% | 2,558 |
| Equity capital to assets | 8.8755% | 5,357 |
| Core capital (leverage) ratio | 8.8698% | 5,192 |
| Tier 1 risk-based capital ratio | 15.1610% | 3,671 |
| Total risk-based capital ratio | 16.0395% | 3,881 |
| Memoranda: | ||
| Average total assets | $121,575,330 | 4,311 |
| Average earning assets | $115,548,000 | 4,217 |
| Average equity | $11,424,330 | 4,641 |
| Average total loans | $69,499,000 | 4,327 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 4,559 |
| Cost of funding earning assets | 0.3468% | 5,566 |
| Net interest margin | 3.5312% | 3,564 |
| Noninterest income to average assets | 0.3895% | 4,541 |
| Noninterest expense to average assets | 2.5968% | 4,414 |
| Loan and lease loss provision to assets | 0.0499% | 3,787 |
| Net operating income to assets | 1.0144% | 2,168 |
| Return on assets (ROA) | 1.0787% | 2,044 |
| Pretax return on assets | 1.1686% | 2,689 |
| Return on Equity (ROE) | 11.1585% | 1,657 |
| Retained earnings to average equity (ytd only) | 4.0639% | 3,786 |
| Net charge-offs to loans | 0.3401% | 1,622 |
| Credit loss provision to net charge-offs | 25.8621% | 2,953 |
| Earnings coverage of net charge-offs (x) | 5.9483% | 2,297 |
| Efficiency ratio | 69.3333% | 4,088 |
| Assets per employee ($millions) | 4.1991% | 3,540 |
| Cash dividends to net income (ytd only)* | 63.5802% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 6,282 |
| Loan loss allowance to noncurrent loans | 375.4601% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 6,172 |
| Noncurrent loans to loans | 0.2373% | 5,821 |
| Net loans and leases to total assets | 55.8933% | 4,101 |
| Net loans and leases to deposits | 62.5487% | 4,468 |
| Net loans and leases to core deposits | 72.6788% | 3,741 |
| Total domestic deposits to total assets | 89.3597% | 1,450 |
| Equity capital to assets | 9.5226% | 4,819 |
| Core capital (leverage) ratio | 9.0501% | 4,807 |
| Tier 1 risk-based capital ratio | 13.9415% | 4,549 |
| Total risk-based capital ratio | 14.7297% | 4,848 |
| Memoranda: | ||
| Average total assets | $120,147,000 | 4,395 |
| Average earning assets | $114,183,500 | 4,278 |
| Average equity | $11,614,500 | 4,651 |
| Average total loans | $68,224,000 | 4,416 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 3,303 |
| Cost of funding earning assets | 0.4536% | 5,558 |
| Net interest margin | 4.0703% | 2,120 |
| Noninterest income to average assets | 0.3877% | 4,706 |
| Noninterest expense to average assets | 2.8076% | 3,997 |
| Loan and lease loss provision to assets | 0.0784% | 4,728 |
| Net operating income to assets | 1.0335% | 2,196 |
| Return on assets (ROA) | 1.0706% | 2,238 |
| Pretax return on assets | 1.4121% | 2,005 |
| Return on Equity (ROE) | 10.7835% | 1,878 |
| Retained earnings to average equity (ytd only) | 3.1500% | 4,021 |
| Net charge-offs to loans | 0.0908% | 4,764 |
| Credit loss provision to net charge-offs | 147.5410% | 1,844 |
| Earnings coverage of net charge-offs (x) | 27.1311% | 1,077 |
| Efficiency ratio | 66.0722% | 4,490 |
| Assets per employee ($millions) | 4.0869% | 3,772 |
| Cash dividends to net income (ytd only)* | 70.7893% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 6,074 |
| Loan loss allowance to noncurrent loans | 295.0450% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 6,097 |
| Noncurrent loans to loans | 0.3276% | 5,667 |
| Net loans and leases to total assets | 56.6296% | 4,180 |
| Net loans and leases to deposits | 63.5816% | 4,585 |
| Net loans and leases to core deposits | 73.6710% | 3,823 |
| Total domestic deposits to total assets | 89.0661% | 1,518 |
| Equity capital to assets | 9.8151% | 4,428 |
| Core capital (leverage) ratio | 9.0265% | 4,860 |
| Tier 1 risk-based capital ratio | 14.2188% | 4,229 |
| Total risk-based capital ratio | 15.0831% | 4,464 |
| Memoranda: | ||
| Average total assets | $114,793,800 | 4,468 |
| Average earning assets | $108,910,400 | 4,370 |
| Average equity | $11,397,000 | 4,691 |
| Average total loans | $67,196,200 | 4,453 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 3,416 |
| Cost of funding earning assets | 0.4786% | 5,573 |
| Net interest margin | 4.0740% | 2,197 |
| Noninterest income to average assets | 0.3981% | 4,651 |
| Noninterest expense to average assets | 2.7471% | 4,188 |
| Loan and lease loss provision to assets | 0.0527% | 5,091 |
| Net operating income to assets | 1.0423% | 2,310 |
| Return on assets (ROA) | 1.0714% | 2,414 |
| Pretax return on assets | 1.5071% | 1,856 |
| Return on Equity (ROE) | 10.7600% | 2,048 |
| Retained earnings to average equity (ytd only) | 2.5753% | 5,023 |
| Net charge-offs to loans | 0.0776% | 4,629 |
| Credit loss provision to net charge-offs | 115.3846% | 2,521 |
| Earnings coverage of net charge-offs (x) | 33.2556% | 1,008 |
| Efficiency ratio | 64.3975% | 4,741 |
| Assets per employee ($millions) | 4.0545% | 3,761 |
| Cash dividends to net income (ytd only)* | 76.0658% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 6,368 |
| Loan loss allowance to noncurrent loans | 347.2527% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 6,324 |
| Noncurrent loans to loans | 0.2605% | 5,971 |
| Net loans and leases to total assets | 58.8901% | 3,978 |
| Net loans and leases to deposits | 66.5465% | 4,399 |
| Net loans and leases to core deposits | 77.5319% | 3,530 |
| Total domestic deposits to total assets | 88.4946% | 1,728 |
| Equity capital to assets | 9.8520% | 4,707 |
| Core capital (leverage) ratio | 9.1009% | 4,915 |
| Tier 1 risk-based capital ratio | 13.8717% | 4,634 |
| Total risk-based capital ratio | 14.6960% | 4,877 |
| Memoranda: | ||
| Average total assets | $113,862,000 | 4,546 |
| Average earning assets | $108,098,000 | 4,433 |
| Average equity | $11,338,000 | 4,746 |
| Average total loans | $67,052,000 | 4,503 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 3,053 |
| Cost of funding earning assets | 0.5132% | 5,528 |
| Net interest margin | 4.1562% | 1,883 |
| Noninterest income to average assets | 0.4067% | 4,599 |
| Noninterest expense to average assets | 2.6655% | 4,557 |
| Loan and lease loss provision to assets | 0.0533% | 4,998 |
| Net operating income to assets | 1.0598% | 2,205 |
| Return on assets (ROA) | 1.0921% | 2,295 |
| Pretax return on assets | 1.6782% | 1,322 |
| Return on Equity (ROE) | 10.9275% | 2,012 |
| Retained earnings to average equity (ytd only) | -1.4392% | 6,279 |
| Net charge-offs to loans | 0.1150% | 4,025 |
| Credit loss provision to net charge-offs | 78.9474% | 3,346 |
| Earnings coverage of net charge-offs (x) | 24.9211% | 1,211 |
| Efficiency ratio | 61.3154% | 5,365 |
| Assets per employee ($millions) | 3.8421% | 4,215 |
| Cash dividends to net income (ytd only)* | 113.1707% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 6,383 |
| Loan loss allowance to noncurrent loans | 292.8910% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 6,336 |
| Noncurrent loans to loans | 0.3171% | 5,921 |
| Net loans and leases to total assets | 57.1857% | 4,302 |
| Net loans and leases to deposits | 64.6235% | 4,683 |
| Net loans and leases to core deposits | 75.0139% | 3,880 |
| Total domestic deposits to total assets | 88.4907% | 1,824 |
| Equity capital to assets | 9.7082% | 4,749 |
| Core capital (leverage) ratio | 9.0372% | 4,858 |
| Tier 1 risk-based capital ratio | 15.5011% | 3,436 |
| Total risk-based capital ratio | 16.4280% | 3,613 |
| Memoranda: | ||
| Average total assets | $112,622,670 | 4,601 |
| Average earning assets | $106,780,670 | 4,490 |
| Average equity | $11,256,000 | 4,761 |
| Average total loans | $66,111,000 | 4,558 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8099% | 2,599 |
| Cost of funding earning assets | 0.5543% | 5,471 |
| Net interest margin | 4.2556% | 1,598 |
| Noninterest income to average assets | 0.4169% | 4,542 |
| Noninterest expense to average assets | 2.8643% | 3,768 |
| Loan and lease loss provision to assets | 0.0539% | 4,738 |
| Net operating income to assets | 1.1259% | 1,966 |
| Return on assets (ROA) | 1.1392% | 2,110 |
| Pretax return on assets | 1.5453% | 1,754 |
| Return on Equity (ROE) | 11.2322% | 1,928 |
| Retained earnings to average equity (ytd only) | 0.1063% | 5,945 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4301% | 4,845 |
| Assets per employee ($millions) | 3.4873% | 5,144 |
| Cash dividends to net income (ytd only)* | 99.0536% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 6,300 |
| Loan loss allowance to noncurrent loans | 588.0734% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 6,636 |
| Noncurrent loans to loans | 0.1677% | 6,343 |
| Net loans and leases to total assets | 57.6592% | 4,100 |
| Net loans and leases to deposits | 65.1621% | 4,468 |
| Net loans and leases to core deposits | 75.7743% | 3,641 |
| Total domestic deposits to total assets | 88.4857% | 2,017 |
| Equity capital to assets | 10.1118% | 3,982 |
| Core capital (leverage) ratio | 9.3886% | 4,210 |
| Tier 1 risk-based capital ratio | 14.3374% | 4,217 |
| Total risk-based capital ratio | 15.2194% | 4,457 |
| Memoranda: | ||
| Average total assets | $111,302,500 | 4,679 |
| Average earning assets | $105,366,500 | 4,559 |
| Average equity | $11,289,000 | 4,769 |
| Average total loans | $65,900,500 | 4,592 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 3,346 |
| Cost of funding earning assets | 0.7589% | 5,144 |
| Net interest margin | 4.1426% | 2,256 |
| Noninterest income to average assets | 0.4119% | 4,518 |
| Noninterest expense to average assets | 2.9408% | 3,809 |
| Loan and lease loss provision to assets | 0.0542% | 5,916 |
| Net operating income to assets | 0.9958% | 2,212 |
| Return on assets (ROA) | 1.0649% | 2,083 |
| Pretax return on assets | 1.4135% | 1,740 |
| Return on Equity (ROE) | 11.2158% | 1,644 |
| Retained earnings to average equity (ytd only) | 6.0027% | 2,014 |
| Net charge-offs to loans | 0.0125% | 6,255 |
| Credit loss provision to net charge-offs | 750.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 190.3750% | 182 |
| Efficiency ratio | 68.1314% | 4,333 |
| Assets per employee ($millions) | 3.4692% | 5,102 |
| Cash dividends to net income (ytd only)* | 46.4801% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 6,438 |
| Loan loss allowance to noncurrent loans | 1,841.1765% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 6,899 |
| Noncurrent loans to loans | 0.0509% | 6,694 |
| Net loans and leases to total assets | 59.6245% | 4,054 |
| Net loans and leases to deposits | 68.8249% | 4,305 |
| Net loans and leases to core deposits | 80.0656% | 3,446 |
| Total domestic deposits to total assets | 86.6322% | 2,955 |
| Equity capital to assets | 10.1736% | 3,937 |
| Core capital (leverage) ratio | 9.3871% | 4,196 |
| Tier 1 risk-based capital ratio | 14.2022% | 4,176 |
| Total risk-based capital ratio | 15.0557% | 4,432 |
| Memoranda: | ||
| Average total assets | $110,717,400 | 4,624 |
| Average earning assets | $104,355,400 | 4,536 |
| Average equity | $10,512,000 | 4,902 |
| Average total loans | $64,123,800 | 4,710 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 3,533 |
| Cost of funding earning assets | 0.7990% | 5,157 |
| Net interest margin | 4.1047% | 2,453 |
| Noninterest income to average assets | 0.4206% | 4,510 |
| Noninterest expense to average assets | 2.8969% | 3,946 |
| Loan and lease loss provision to assets | 0.0542% | 5,769 |
| Net operating income to assets | 0.9275% | 2,637 |
| Return on assets (ROA) | 1.0098% | 2,439 |
| Pretax return on assets | 1.4581% | 1,763 |
| Return on Equity (ROE) | 10.8303% | 1,921 |
| Retained earnings to average equity (ytd only) | 4.0711% | 3,831 |
| Net charge-offs to loans | 0.0147% | 5,946 |
| Credit loss provision to net charge-offs | 642.8571% | 420 |
| Earnings coverage of net charge-offs (x) | 165.1972% | 237 |
| Efficiency ratio | 67.5281% | 4,414 |
| Assets per employee ($millions) | 3.4596% | 5,098 |
| Cash dividends to net income (ytd only)* | 62.4106% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 6,551 |
| Loan loss allowance to noncurrent loans | 1,912.5000% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 6,986 |
| Noncurrent loans to loans | 0.0478% | 6,817 |
| Net loans and leases to total assets | 59.8625% | 4,156 |
| Net loans and leases to deposits | 67.5053% | 4,689 |
| Net loans and leases to core deposits | 77.9928% | 3,913 |
| Total domestic deposits to total assets | 88.6782% | 1,643 |
| Equity capital to assets | 9.7979% | 4,624 |
| Core capital (leverage) ratio | 8.9563% | 5,004 |
| Tier 1 risk-based capital ratio | 13.9749% | 4,371 |
| Total risk-based capital ratio | 14.8215% | 4,655 |
| Memoranda: | ||
| Average total assets | $110,643,500 | 4,652 |
| Average earning assets | $104,300,250 | 4,565 |
| Average equity | $10,316,500 | 4,956 |
| Average total loans | $63,450,500 | 4,778 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 4,018 |
| Cost of funding earning assets | 0.8387% | 5,131 |
| Net interest margin | 3.9791% | 2,946 |
| Noninterest income to average assets | 0.4249% | 4,469 |
| Noninterest expense to average assets | 2.8674% | 4,155 |
| Loan and lease loss provision to assets | 0.0542% | 5,638 |
| Net operating income to assets | 0.8677% | 2,782 |
| Return on assets (ROA) | 0.9600% | 2,495 |
| Pretax return on assets | 1.3939% | 1,810 |
| Return on Equity (ROE) | 10.4737% | 1,952 |
| Retained earnings to average equity (ytd only) | 0.1775% | 5,770 |
| Net charge-offs to loans | 0.0257% | 5,464 |
| Credit loss provision to net charge-offs | 375.0000% | 805 |
| Earnings coverage of net charge-offs (x) | 90.8750% | 392 |
| Efficiency ratio | 68.5690% | 4,412 |
| Assets per employee ($millions) | 3.5416% | 4,831 |
| Cash dividends to net income (ytd only)* | 98.3051% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 6,539 |
| Loan loss allowance to noncurrent loans | 1,752.9412% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 7,026 |
| Noncurrent loans to loans | 0.0538% | 6,849 |
| Net loans and leases to total assets | 55.2430% | 5,112 |
| Net loans and leases to deposits | 61.8393% | 5,520 |
| Net loans and leases to core deposits | 70.8700% | 4,967 |
| Total domestic deposits to total assets | 89.3331% | 1,342 |
| Equity capital to assets | 9.1104% | 5,418 |
| Core capital (leverage) ratio | 8.6011% | 5,410 |
| Tier 1 risk-based capital ratio | 13.8730% | 4,253 |
| Total risk-based capital ratio | 14.7171% | 4,532 |
| Memoranda: | ||
| Average total assets | $110,622,330 | 4,688 |
| Average earning assets | $104,444,670 | 4,597 |
| Average equity | $10,139,670 | 5,012 |
| Average total loans | $62,306,000 | 4,859 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 4,108 |
| Cost of funding earning assets | 0.9509% | 4,557 |
| Net interest margin | 3.8384% | 3,426 |
| Noninterest income to average assets | 0.4393% | 4,373 |
| Noninterest expense to average assets | 2.7858% | 4,504 |
| Loan and lease loss provision to assets | 0.0549% | 5,319 |
| Net operating income to assets | 0.8830% | 2,650 |
| Return on assets (ROA) | 0.9225% | 2,527 |
| Pretax return on assets | 1.2739% | 2,125 |
| Return on Equity (ROE) | 10.0328% | 2,080 |
| Retained earnings to average equity (ytd only) | 3.4239% | 4,136 |
| Net charge-offs to loans | 0.0065% | 5,035 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 348.0000% | 84 |
| Efficiency ratio | 68.6204% | 4,533 |
| Assets per employee ($millions) | 3.7384% | 4,454 |
| Cash dividends to net income (ytd only)* | 65.8730% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 6,547 |
| Loan loss allowance to noncurrent loans | 1,896.7742% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 7,105 |
| Noncurrent loans to loans | 0.0501% | 6,924 |
| Net loans and leases to total assets | 54.6691% | 5,216 |
| Net loans and leases to deposits | 60.8922% | 5,630 |
| Net loans and leases to core deposits | 69.7976% | 5,065 |
| Total domestic deposits to total assets | 89.7800% | 1,305 |
| Equity capital to assets | 9.0617% | 5,109 |
| Core capital (leverage) ratio | 8.9499% | 4,693 |
| Tier 1 risk-based capital ratio | 14.1609% | 3,964 |
| Total risk-based capital ratio | 15.0044% | 4,213 |
| Memoranda: | ||
| Average total assets | $109,267,500 | 4,754 |
| Average earning assets | $103,064,000 | 4,657 |
| Average equity | $10,047,000 | 5,040 |
| Average total loans | $61,857,000 | 4,911 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2180% | 3,520 |
| Cost of funding earning assets | 1.0171% | 5,604 |
| Net interest margin | 4.2009% | 2,184 |
| Noninterest income to average assets | 0.4269% | 4,696 |
| Noninterest expense to average assets | 2.9581% | 4,006 |
| Loan and lease loss provision to assets | 0.0890% | 6,255 |
| Net operating income to assets | 0.9498% | 2,203 |
| Return on assets (ROA) | 1.0431% | 1,999 |
| Pretax return on assets | 1.4464% | 1,522 |
| Return on Equity (ROE) | 8.8761% | 2,349 |
| Retained earnings to average equity (ytd only) | -20.1363% | 7,013 |
| Net charge-offs to loans | 0.0842% | 5,992 |
| Credit loss provision to net charge-offs | 180.7692% | 1,828 |
| Earnings coverage of net charge-offs (x) | 28.5577% | 759 |
| Efficiency ratio | 67.7874% | 4,604 |
| Assets per employee ($millions) | 3.7994% | 4,257 |
| Cash dividends to net income (ytd only)* | 326.8603% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 6,641 |
| Loan loss allowance to noncurrent loans | 1,640.0000% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 7,156 |
| Noncurrent loans to loans | 0.0566% | 6,984 |
| Net loans and leases to total assets | 57.5652% | 5,095 |
| Net loans and leases to deposits | 64.2268% | 5,599 |
| Net loans and leases to core deposits | 73.9530% | 4,984 |
| Total domestic deposits to total assets | 89.6279% | 1,308 |
| Equity capital to assets | 9.3352% | 4,639 |
| Core capital (leverage) ratio | 8.9023% | 4,694 |
| Tier 1 risk-based capital ratio | 14.2535% | 3,716 |
| Total risk-based capital ratio | 15.0895% | 3,952 |
| Memoranda: | ||
| Average total assets | $105,641,600 | 4,830 |
| Average earning assets | $99,002,600 | 4,747 |
| Average equity | $12,415,400 | 4,503 |
| Average total loans | $61,776,200 | 4,996 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2038% | 3,808 |
| Cost of funding earning assets | 1.0402% | 5,739 |
| Net interest margin | 4.1636% | 2,354 |
| Noninterest income to average assets | 0.4564% | 4,510 |
| Noninterest expense to average assets | 2.9231% | 4,004 |
| Loan and lease loss provision to assets | 0.0936% | 6,089 |
| Net operating income to assets | 0.9492% | 2,417 |
| Return on assets (ROA) | 1.0721% | 2,110 |
| Pretax return on assets | 1.5045% | 1,605 |
| Return on Equity (ROE) | 8.6729% | 2,620 |
| Retained earnings to average equity (ytd only) | 5.2671% | 2,800 |
| Net charge-offs to loans | 0.1036% | 5,496 |
| Credit loss provision to net charge-offs | 154.1667% | 2,496 |
| Earnings coverage of net charge-offs (x) | 23.4786% | 1,058 |
| Efficiency ratio | 67.2288% | 4,616 |
| Assets per employee ($millions) | 3.6074% | 4,713 |
| Cash dividends to net income (ytd only)* | 39.2689% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 6,815 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 7,285 |
| Noncurrent loans to loans | 0.0488% | 7,124 |
| Net loans and leases to total assets | 58.2244% | 5,232 |
| Net loans and leases to deposits | 67.5997% | 5,477 |
| Net loans and leases to core deposits | 77.1560% | 4,903 |
| Total domestic deposits to total assets | 86.1312% | 3,014 |
| Equity capital to assets | 12.4042% | 1,908 |
| Core capital (leverage) ratio | 11.8895% | 1,721 |
| Tier 1 risk-based capital ratio | 18.5877% | 1,847 |
| Total risk-based capital ratio | 19.3980% | 1,941 |
| Memoranda: | ||
| Average total assets | $105,456,500 | 4,897 |
| Average earning assets | $98,565,750 | 4,822 |
| Average equity | $13,036,500 | 4,426 |
| Average total loans | $61,767,000 | 5,073 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1955% | 3,984 |
| Cost of funding earning assets | 1.0649% | 5,846 |
| Net interest margin | 4.1306% | 2,428 |
| Noninterest income to average assets | 0.4821% | 4,267 |
| Noninterest expense to average assets | 2.9464% | 3,908 |
| Loan and lease loss provision to assets | 0.0670% | 6,283 |
| Net operating income to assets | 0.9632% | 2,319 |
| Return on assets (ROA) | 1.0638% | 2,043 |
| Pretax return on assets | 1.4655% | 1,653 |
| Return on Equity (ROE) | 8.6153% | 2,611 |
| Retained earnings to average equity (ytd only) | 3.8893% | 3,613 |
| Net charge-offs to loans | 0.1569% | 4,690 |
| Credit loss provision to net charge-offs | 72.9167% | 4,895 |
| Earnings coverage of net charge-offs (x) | 15.1875% | 1,471 |
| Efficiency ratio | 67.8713% | 4,608 |
| Assets per employee ($millions) | 3.5651% | 4,771 |
| Cash dividends to net income (ytd only)* | 54.8561% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 6,882 |
| Loan loss allowance to noncurrent loans | 5,190.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 7,393 |
| Noncurrent loans to loans | 0.0165% | 7,290 |
| Net loans and leases to total assets | 56.1205% | 5,684 |
| Net loans and leases to deposits | 66.9440% | 5,691 |
| Net loans and leases to core deposits | 76.5421% | 5,135 |
| Total domestic deposits to total assets | 83.8320% | 4,184 |
| Equity capital to assets | 12.2672% | 1,941 |
| Core capital (leverage) ratio | 11.9104% | 1,695 |
| Tier 1 risk-based capital ratio | 18.3555% | 1,867 |
| Total risk-based capital ratio | 19.1154% | 1,960 |
| Memoranda: | ||
| Average total assets | $104,535,000 | 4,951 |
| Average earning assets | $97,662,000 | 4,883 |
| Average equity | $12,907,330 | 4,456 |
| Average total loans | $61,166,330 | 5,128 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1107% | 4,479 |
| Cost of funding earning assets | 1.0940% | 5,938 |
| Net interest margin | 4.0167% | 2,804 |
| Noninterest income to average assets | 0.4800% | 4,199 |
| Noninterest expense to average assets | 2.9615% | 3,815 |
| Loan and lease loss provision to assets | 0.0581% | 6,074 |
| Net operating income to assets | 0.9233% | 2,457 |
| Return on assets (ROA) | 1.1265% | 1,826 |
| Pretax return on assets | 1.4982% | 1,523 |
| Return on Equity (ROE) | 9.0930% | 2,462 |
| Retained earnings to average equity (ytd only) | 7.6869% | 1,847 |
| Net charge-offs to loans | 0.0325% | 5,121 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 66.4000% | 456 |
| Efficiency ratio | 69.7356% | 4,360 |
| Assets per employee ($millions) | 3.4886% | 5,054 |
| Cash dividends to net income (ytd only)* | 15.4639% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 6,913 |
| Loan loss allowance to noncurrent loans | 109.0543% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 6,290 |
| Noncurrent loans to loans | 0.8021% | 5,709 |
| Net loans and leases to total assets | 58.6883% | 5,323 |
| Net loans and leases to deposits | 67.8584% | 5,609 |
| Net loans and leases to core deposits | 77.7681% | 5,053 |
| Total domestic deposits to total assets | 86.4865% | 2,904 |
| Equity capital to assets | 12.3278% | 1,855 |
| Core capital (leverage) ratio | 11.9621% | 1,667 |
| Tier 1 risk-based capital ratio | 17.9446% | 1,954 |
| Total risk-based capital ratio | 18.7207% | 2,056 |
| Memoranda: | ||
| Average total assets | $103,326,500 | 5,051 |
| Average earning assets | $96,895,500 | 4,958 |
| Average equity | $12,801,000 | 4,521 |
| Average total loans | $61,479,000 | 5,194 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5238% | 4,022 |
| Cost of funding earning assets | 1.4049% | 5,916 |
| Net interest margin | 4.1189% | 2,368 |
| Noninterest income to average assets | 0.4389% | 4,891 |
| Noninterest expense to average assets | 3.1020% | 3,733 |
| Loan and lease loss provision to assets | 0.1022% | 6,611 |
| Net operating income to assets | 0.8506% | 2,346 |
| Return on assets (ROA) | 0.9559% | 2,045 |
| Pretax return on assets | 1.2043% | 1,938 |
| Return on Equity (ROE) | 7.6904% | 2,496 |
| Retained earnings to average equity (ytd only) | 4.5466% | 2,074 |
| Net charge-offs to loans | 0.2595% | 4,997 |
| Credit loss provision to net charge-offs | 62.9630% | 6,599 |
| Earnings coverage of net charge-offs (x) | 7.2284% | 2,191 |
| Efficiency ratio | 72.5568% | 4,176 |
| Assets per employee ($millions) | 3.3998% | 5,258 |
| Cash dividends to net income (ytd only)* | 40.8805% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 6,916 |
| Loan loss allowance to noncurrent loans | 86.5041% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 5,949 |
| Noncurrent loans to loans | 1.0083% | 5,298 |
| Net loans and leases to total assets | 59.2794% | 5,450 |
| Net loans and leases to deposits | 68.8194% | 5,745 |
| Net loans and leases to core deposits | 90.0389% | 5,122 |
| Total domestic deposits to total assets | 86.1376% | 2,940 |
| Equity capital to assets | 12.4516% | 1,772 |
| Core capital (leverage) ratio | 11.9545% | 1,682 |
| Tier 1 risk-based capital ratio | 17.7697% | 1,953 |
| Total risk-based capital ratio | 18.5392% | 2,042 |
| Memoranda: | ||
| Average total assets | $99,806,000 | 5,092 |
| Average earning assets | $92,961,000 | 5,034 |
| Average equity | $12,405,000 | 4,655 |
| Average total loans | $62,435,600 | 5,153 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5907% | 3,921 |
| Cost of funding earning assets | 1.4760% | 5,933 |
| Net interest margin | 4.1146% | 2,336 |
| Noninterest income to average assets | 0.3922% | 5,364 |
| Noninterest expense to average assets | 3.0398% | 3,884 |
| Loan and lease loss provision to assets | 0.0739% | 6,621 |
| Net operating income to assets | 0.7477% | 3,032 |
| Return on assets (ROA) | 0.8664% | 2,619 |
| Pretax return on assets | 1.2801% | 2,007 |
| Return on Equity (ROE) | 6.9740% | 3,084 |
| Retained earnings to average equity (ytd only) | 4.9196% | 2,541 |
| Net charge-offs to loans | 0.0701% | 5,990 |
| Credit loss provision to net charge-offs | 166.6667% | 2,812 |
| Earnings coverage of net charge-offs (x) | 26.6055% | 1,015 |
| Efficiency ratio | 72.0471% | 4,236 |
| Assets per employee ($millions) | 3.1845% | 5,688 |
| Cash dividends to net income (ytd only)* | 29.4577% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 6,446 |
| Loan loss allowance to noncurrent loans | 140.1826% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 6,043 |
| Noncurrent loans to loans | 0.6919% | 5,917 |
| Net loans and leases to total assets | 61.5161% | 5,322 |
| Net loans and leases to deposits | 72.1157% | 5,626 |
| Net loans and leases to core deposits | 94.6048% | 4,967 |
| Total domestic deposits to total assets | 85.3020% | 3,074 |
| Equity capital to assets | 12.4184% | 1,996 |
| Core capital (leverage) ratio | 11.9709% | 1,811 |
| Tier 1 risk-based capital ratio | 18.4616% | 1,871 |
| Total risk-based capital ratio | 19.3926% | 1,898 |
| Memoranda: | ||
| Average total assets | $99,258,750 | 5,143 |
| Average earning assets | $92,318,250 | 5,089 |
| Average equity | $12,331,250 | 4,705 |
| Average total loans | $62,796,000 | 5,175 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6611% | 3,763 |
| Cost of funding earning assets | 1.5213% | 6,056 |
| Net interest margin | 4.1398% | 2,195 |
| Noninterest income to average assets | 0.4351% | 4,984 |
| Noninterest expense to average assets | 3.0739% | 3,800 |
| Loan and lease loss provision to assets | 0.0712% | 6,485 |
| Net operating income to assets | 0.7513% | 3,038 |
| Return on assets (ROA) | 0.7969% | 2,962 |
| Pretax return on assets | 1.2096% | 2,270 |
| Return on Equity (ROE) | 6.4140% | 3,476 |
| Retained earnings to average equity (ytd only) | 3.3052% | 3,485 |
| Net charge-offs to loans | 0.0990% | 5,174 |
| Credit loss provision to net charge-offs | 112.9032% | 4,105 |
| Earnings coverage of net charge-offs (x) | 19.2258% | 1,373 |
| Efficiency ratio | 71.7268% | 4,470 |
| Assets per employee ($millions) | 3.1642% | 5,682 |
| Cash dividends to net income (ytd only)* | 48.4694% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 6,580 |
| Loan loss allowance to noncurrent loans | 116.8627% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6173% | 5,878 |
| Noncurrent loans to loans | 0.8083% | 5,612 |
| Net loans and leases to total assets | 61.7279% | 5,401 |
| Net loans and leases to deposits | 72.9158% | 5,615 |
| Net loans and leases to core deposits | 96.6596% | 4,830 |
| Total domestic deposits to total assets | 84.6564% | 3,416 |
| Equity capital to assets | 12.1990% | 2,091 |
| Core capital (leverage) ratio | 11.6677% | 1,992 |
| Tier 1 risk-based capital ratio | 19.3029% | 1,720 |
| Total risk-based capital ratio | 20.2678% | 1,728 |
| Memoranda: | ||
| Average total assets | $98,376,670 | 5,205 |
| Average earning assets | $91,501,330 | 5,143 |
| Average equity | $12,223,330 | 4,753 |
| Average total loans | $62,627,330 | 5,228 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6531% | 4,030 |
| Cost of funding earning assets | 1.5649% | 6,177 |
| Net interest margin | 4.0882% | 2,322 |
| Noninterest income to average assets | 0.4456% | 4,822 |
| Noninterest expense to average assets | 3.0081% | 3,734 |
| Loan and lease loss provision to assets | 0.0619% | 6,180 |
| Net operating income to assets | 0.7675% | 3,267 |
| Return on assets (ROA) | 0.7675% | 3,441 |
| Pretax return on assets | 1.1595% | 2,769 |
| Return on Equity (ROE) | 6.1189% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.1189% | 2,578 |
| Net charge-offs to loans | 0.1923% | 3,485 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | 9.8667% | 2,007 |
| Efficiency ratio | 71.1220% | 4,344 |
| Assets per employee ($millions) | 3.1671% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 6,681 |
| Loan loss allowance to noncurrent loans | 126.5351% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 5,800 |
| Noncurrent loans to loans | 0.7224% | 5,611 |
| Net loans and leases to total assets | 59.8414% | 5,683 |
| Net loans and leases to deposits | 69.6195% | 6,014 |
| Net loans and leases to core deposits | 92.3334% | 5,317 |
| Total domestic deposits to total assets | 85.9549% | 2,750 |
| Equity capital to assets | 11.8626% | 2,346 |
| Core capital (leverage) ratio | 12.2284% | 1,798 |
| Tier 1 risk-based capital ratio | 19.2043% | 1,773 |
| Total risk-based capital ratio | 20.1348% | 1,794 |
| Memoranda: | ||
| Average total assets | $96,938,000 | 5,274 |
| Average earning assets | $89,721,000 | 5,231 |
| Average equity | $12,159,000 | 4,796 |
| Average total loans | $62,392,000 | 5,271 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5929% | 2,521 |
| Cost of funding earning assets | 2.0485% | 6,244 |
| Net interest margin | 4.5444% | 1,322 |
| Noninterest income to average assets | 0.4234% | 5,271 |
| Noninterest expense to average assets | 3.3829% | 2,721 |
| Loan and lease loss provision to assets | 0.0316% | 7,011 |
| Net operating income to assets | 0.8164% | 3,361 |
| Return on assets (ROA) | 0.8785% | 2,949 |
| Pretax return on assets | 1.3098% | 2,279 |
| Return on Equity (ROE) | 6.6310% | 3,696 |
| Retained earnings to average equity (ytd only) | 2.9660% | 3,327 |
| Net charge-offs to loans | 0.0051% | 6,905 |
| Credit loss provision to net charge-offs | 933.3333% | 477 |
| Earnings coverage of net charge-offs (x) | 368.6667% | 133 |
| Efficiency ratio | 73.0375% | 3,742 |
| Assets per employee ($millions) | 2.7080% | 6,768 |
| Cash dividends to net income (ytd only)* | 55.2699% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 6,345 |
| Loan loss allowance to noncurrent loans | 148.7437% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 5,882 |
| Noncurrent loans to loans | 0.6454% | 5,431 |
| Net loans and leases to total assets | 68.3426% | 4,404 |
| Net loans and leases to deposits | 80.3412% | 4,986 |
| Net loans and leases to core deposits | 100.9972% | 4,722 |
| Total domestic deposits to total assets | 85.0654% | 2,811 |
| Equity capital to assets | 13.3389% | 1,655 |
| Core capital (leverage) ratio | 13.0229% | 1,532 |
| Tier 1 risk-based capital ratio | 20.1198% | 1,599 |
| Total risk-based capital ratio | 21.1359% | 1,600 |
| Memoranda: | ||
| Average total assets | $88,561,800 | 5,402 |
| Average earning assets | $82,013,000 | 5,374 |
| Average equity | $11,732,800 | 4,906 |
| Average total loans | $58,443,400 | 5,341 |