Home > Bank of Weston > Performance and Condition Ratios
Bank of Weston, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7618% | 2,554 |
| Cost of funding earning assets | 1.0553% | 3,183 |
| Net interest margin | 3.7066% | 1,754 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.6939% | 1,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4943% | 1,031 |
| Return on assets (ROA) | 1.4691% | 1,053 |
| Pretax return on assets | 1.4691% | 1,491 |
| Return on Equity (ROE) | 22.5600% | 423 |
| Retained earnings to average equity (ytd only) | 4.1081% | 2,920 |
| Net charge-offs to loans | -0.0504% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.3055% | 2,570 |
| Assets per employee ($millions) | 5.3727% | 3,340 |
| Cash dividends to net income (ytd only)* | 81.7932% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 2,467 |
| Loan loss allowance to noncurrent loans | 1,659.8039% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 3,252 |
| Noncurrent loans to loans | 0.0704% | 3,212 |
| Net loans and leases to total assets | 72.0600% | 1,575 |
| Net loans and leases to deposits | 77.7819% | 2,285 |
| Net loans and leases to core deposits | 83.6707% | 2,483 |
| Total domestic deposits to total assets | 92.6400% | 212 |
| Equity capital to assets | 6.9737% | 3,951 |
| Core capital (leverage) ratio | 8.5102% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0824% | 2,214 |
| Memoranda: | ||
| Average total assets | $198,152,400 | 3,002 |
| Average earning assets | $190,662,000 | 2,941 |
| Average equity | $12,901,400 | 3,435 |
| Average total loans | $140,975,600 | 2,760 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6354% | 2,598 |
| Cost of funding earning assets | 0.9495% | 3,157 |
| Net interest margin | 3.6860% | 1,806 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.6620% | 1,762 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5899% | 953 |
| Return on assets (ROA) | 1.5899% | 949 |
| Pretax return on assets | 1.5899% | 1,384 |
| Return on Equity (ROE) | 24.8600% | 389 |
| Retained earnings to average equity (ytd only) | 10.5729% | 1,246 |
| Net charge-offs to loans | -0.0676% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.6069% | 2,649 |
| Assets per employee ($millions) | 5.3434% | 3,311 |
| Cash dividends to net income (ytd only)* | 57.4756% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 2,561 |
| Loan loss allowance to noncurrent loans | 7,045.8333% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 3,728 |
| Noncurrent loans to loans | 0.0165% | 3,668 |
| Net loans and leases to total assets | 72.7400% | 1,496 |
| Net loans and leases to deposits | 78.1387% | 2,237 |
| Net loans and leases to core deposits | 83.2252% | 2,376 |
| Total domestic deposits to total assets | 93.1000% | 283 |
| Equity capital to assets | 6.6387% | 3,780 |
| Core capital (leverage) ratio | 8.8453% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2689% | 2,175 |
| Memoranda: | ||
| Average total assets | $197,993,000 | 3,011 |
| Average earning assets | $190,556,000 | 2,948 |
| Average equity | $12,661,000 | 3,456 |
| Average total loans | $139,986,250 | 2,774 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5257% | 2,584 |
| Cost of funding earning assets | 0.8194% | 3,155 |
| Net interest margin | 3.7063% | 1,802 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.6190% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3489% | 1,453 |
| Return on assets (ROA) | 1.3489% | 1,445 |
| Pretax return on assets | 1.3489% | 1,945 |
| Return on Equity (ROE) | 21.3700% | 590 |
| Retained earnings to average equity (ytd only) | 5.8370% | 2,684 |
| Net charge-offs to loans | -0.0623% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.0051% | 2,238 |
| Assets per employee ($millions) | 5.1375% | 3,464 |
| Cash dividends to net income (ytd only)* | 72.6796% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 2,534 |
| Loan loss allowance to noncurrent loans | 166,300.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.5399% | 1,008 |
| Noncurrent loans to loans | 0.0007% | 3,840 |
| Net loans and leases to total assets | 71.2300% | 1,617 |
| Net loans and leases to deposits | 76.4007% | 2,270 |
| Net loans and leases to core deposits | 80.8730% | 2,418 |
| Total domestic deposits to total assets | 93.2300% | 220 |
| Equity capital to assets | 6.5509% | 3,979 |
| Core capital (leverage) ratio | 8.4835% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1172% | 2,249 |
| Memoranda: | ||
| Average total assets | $198,089,000 | 3,015 |
| Average earning assets | $190,379,667 | 2,959 |
| Average equity | $12,506,333 | 3,488 |
| Average total loans | $138,145,000 | 2,791 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 2,507 |
| Cost of funding earning assets | 0.6633% | 3,177 |
| Net interest margin | 3.7546% | 1,786 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.5742% | 2,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4314% | 1,324 |
| Return on assets (ROA) | 1.4314% | 1,295 |
| Pretax return on assets | 1.4314% | 1,810 |
| Return on Equity (ROE) | 23.1000% | 501 |
| Retained earnings to average equity (ytd only) | 6.6963% | 2,586 |
| Net charge-offs to loans | -0.1315% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.2643% | 2,425 |
| Assets per employee ($millions) | 5.6017% | 3,117 |
| Cash dividends to net income (ytd only)* | 71.0084% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,452 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 991 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 66.8400% | 1,966 |
| Net loans and leases to deposits | 71.4730% | 2,506 |
| Net loans and leases to core deposits | 74.6983% | 2,622 |
| Total domestic deposits to total assets | 93.5200% | 227 |
| Equity capital to assets | 6.3305% | 4,093 |
| Core capital (leverage) ratio | 8.0982% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3345% | 2,253 |
| Memoranda: | ||
| Average total assets | $199,521,000 | 3,042 |
| Average earning assets | $191,765,000 | 2,988 |
| Average equity | $12,365,000 | 3,541 |
| Average total loans | $136,857,500 | 2,829 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6160% | 2,758 |
| Cost of funding earning assets | 0.2357% | 3,456 |
| Net interest margin | 3.3802% | 2,317 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.4811% | 2,180 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1645% | 1,914 |
| Return on assets (ROA) | 1.1621% | 1,859 |
| Pretax return on assets | 1.1621% | 2,558 |
| Return on Equity (ROE) | 20.0700% | 472 |
| Retained earnings to average equity (ytd only) | 8.8384% | 1,528 |
| Net charge-offs to loans | -0.0527% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.0569% | 1,958 |
| Assets per employee ($millions) | 5.4828% | 3,237 |
| Cash dividends to net income (ytd only)* | 55.9529% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 2,488 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 940 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 68.7200% | 1,766 |
| Net loans and leases to deposits | 73.2614% | 2,308 |
| Net loans and leases to core deposits | 74.7789% | 2,513 |
| Total domestic deposits to total assets | 93.8000% | 265 |
| Equity capital to assets | 6.0613% | 4,068 |
| Core capital (leverage) ratio | 8.0432% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1345% | 2,314 |
| Memoranda: | ||
| Average total assets | $204,545,600 | 3,021 |
| Average earning assets | $196,819,800 | 2,960 |
| Average equity | $11,846,000 | 3,680 |
| Average total loans | $125,304,400 | 2,874 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4071% | 2,899 |
| Cost of funding earning assets | 0.1994% | 3,282 |
| Net interest margin | 3.2077% | 2,599 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.4490% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0319% | 2,353 |
| Return on assets (ROA) | 1.0319% | 2,324 |
| Pretax return on assets | 1.0319% | 2,924 |
| Return on Equity (ROE) | 18.0200% | 641 |
| Retained earnings to average equity (ytd only) | 8.2933% | 1,889 |
| Net charge-offs to loans | -0.0948% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.3546% | 1,716 |
| Assets per employee ($millions) | 5.8384% | 2,898 |
| Cash dividends to net income (ytd only)* | 53.9762% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 2,318 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 1,095 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 62.1500% | 2,268 |
| Net loans and leases to deposits | 65.7363% | 2,741 |
| Net loans and leases to core deposits | 67.3514% | 2,852 |
| Total domestic deposits to total assets | 94.5400% | 281 |
| Equity capital to assets | 5.2564% | 4,204 |
| Core capital (leverage) ratio | 7.5428% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3230% | 2,350 |
| Memoranda: | ||
| Average total assets | $206,336,500 | 3,023 |
| Average earning assets | $198,602,250 | 2,965 |
| Average equity | $11,816,500 | 3,729 |
| Average total loans | $122,317,000 | 2,911 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2278% | 2,960 |
| Cost of funding earning assets | 0.1825% | 3,149 |
| Net interest margin | 3.0453% | 2,737 |
| Noninterest income to average assets | 0.3901% | 2,818 |
| Noninterest expense to average assets | 2.4647% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8554% | 2,752 |
| Return on assets (ROA) | 0.8554% | 2,728 |
| Pretax return on assets | 0.8554% | 3,191 |
| Return on Equity (ROE) | 14.5287% | 991 |
| Retained earnings to average equity (ytd only) | 6.2455% | 2,259 |
| Net charge-offs to loans | -0.0067% | 3,441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2362% | 1,483 |
| Assets per employee ($millions) | 5.9314% | 2,806 |
| Cash dividends to net income (ytd only)* | 57.0125% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,573 |
| Loan loss allowance to noncurrent loans | 846.1957% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5793% | 970 |
| Noncurrent loans to loans | 0.1445% | 2,978 |
| Net loans and leases to total assets | 58.9046% | 2,448 |
| Net loans and leases to deposits | 62.1954% | 2,875 |
| Net loans and leases to core deposits | 63.6949% | 2,996 |
| Total domestic deposits to total assets | 94.7089% | 176 |
| Equity capital to assets | 5.1403% | 4,447 |
| Core capital (leverage) ratio | 6.9508% | 4,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5651% | 2,657 |
| Memoranda: | ||
| Average total assets | $205,054,333 | 3,065 |
| Average earning assets | $197,286,667 | 3,013 |
| Average equity | $12,072,667 | 3,776 |
| Average total loans | $119,000,333 | 2,955 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1051% | 2,970 |
| Cost of funding earning assets | 0.1785% | 3,105 |
| Net interest margin | 2.9266% | 2,746 |
| Noninterest income to average assets | 0.3864% | 2,774 |
| Noninterest expense to average assets | 2.5576% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6374% | 3,267 |
| Return on assets (ROA) | 0.6374% | 3,250 |
| Pretax return on assets | 0.6374% | 3,539 |
| Return on Equity (ROE) | 10.1418% | 1,911 |
| Retained earnings to average equity (ytd only) | -5.7048% | 4,445 |
| Net charge-offs to loans | -0.0139% | 3,731 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0499% | 1,152 |
| Assets per employee ($millions) | 5.8305% | 2,967 |
| Cash dividends to net income (ytd only)* | 156.2500% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 2,219 |
| Loan loss allowance to noncurrent loans | 319.9179% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7547% | 740 |
| Noncurrent loans to loans | 0.4155% | 2,004 |
| Net loans and leases to total assets | 56.6753% | 2,453 |
| Net loans and leases to deposits | 60.1468% | 2,892 |
| Net loans and leases to core deposits | 61.6725% | 3,005 |
| Total domestic deposits to total assets | 94.2283% | 95 |
| Equity capital to assets | 5.6604% | 4,644 |
| Core capital (leverage) ratio | 6.9006% | 4,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9482% | 2,623 |
| Memoranda: | ||
| Average total assets | $200,816,500 | 3,098 |
| Average earning assets | $192,717,500 | 3,057 |
| Average equity | $12,621,000 | 3,796 |
| Average total loans | $114,832,500 | 3,002 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4169% | 2,894 |
| Cost of funding earning assets | 0.2334% | 3,097 |
| Net interest margin | 3.1835% | 2,645 |
| Noninterest income to average assets | 0.4306% | 2,902 |
| Noninterest expense to average assets | 2.5623% | 1,982 |
| Loan and lease loss provision to assets | 0.3344% | 230 |
| Net operating income to assets | 0.5752% | 3,930 |
| Return on assets (ROA) | 0.5752% | 3,972 |
| Pretax return on assets | 0.5752% | 4,143 |
| Return on Equity (ROE) | 8.0434% | 3,207 |
| Retained earnings to average equity (ytd only) | 6.6612% | 2,053 |
| Net charge-offs to loans | 0.5417% | 150 |
| Credit loss provision to net charge-offs | 104.2623% | 1,758 |
| Earnings coverage of net charge-offs (x) | 2.8361% | 2,569 |
| Efficiency ratio | 73.7998% | 1,328 |
| Assets per employee ($millions) | 5.6448% | 3,123 |
| Cash dividends to net income (ytd only)* | 17.1846% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 1,993 |
| Loan loss allowance to noncurrent loans | 405.7441% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.7268% | 859 |
| Noncurrent loans to loans | 0.3406% | 2,357 |
| Net loans and leases to total assets | 56.1318% | 2,589 |
| Net loans and leases to deposits | 60.4066% | 3,042 |
| Net loans and leases to core deposits | 62.1023% | 3,153 |
| Total domestic deposits to total assets | 92.9234% | 51 |
| Equity capital to assets | 6.9298% | 4,733 |
| Core capital (leverage) ratio | 7.3002% | 4,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5899% | 2,419 |
| Memoranda: | ||
| Average total assets | $190,180,200 | 3,131 |
| Average earning assets | $181,687,200 | 3,083 |
| Average equity | $13,601,200 | 3,782 |
| Average total loans | $112,615,600 | 3,034 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 2,758 |
| Cost of funding earning assets | 0.2515% | 3,113 |
| Net interest margin | 3.2734% | 2,499 |
| Noninterest income to average assets | 0.4389% | 2,890 |
| Noninterest expense to average assets | 2.5875% | 1,874 |
| Loan and lease loss provision to assets | 0.3637% | 191 |
| Net operating income to assets | 0.6117% | 3,984 |
| Return on assets (ROA) | 0.6117% | 4,034 |
| Pretax return on assets | 0.6117% | 4,217 |
| Return on Equity (ROE) | 8.4836% | 3,261 |
| Retained earnings to average equity (ytd only) | 6.6377% | 2,565 |
| Net charge-offs to loans | -0.0899% | 4,573 |
| Credit loss provision to net charge-offs | -676.3158% | 3,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6207% | 1,348 |
| Assets per employee ($millions) | 5.4466% | 3,255 |
| Cash dividends to net income (ytd only)* | 21.7593% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8468% | 854 |
| Loan loss allowance to noncurrent loans | 194.4904% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.1236% | 550 |
| Noncurrent loans to loans | 0.9496% | 1,212 |
| Net loans and leases to total assets | 59.0494% | 2,367 |
| Net loans and leases to deposits | 63.8037% | 2,873 |
| Net loans and leases to core deposits | 65.7637% | 2,971 |
| Total domestic deposits to total assets | 92.5485% | 67 |
| Equity capital to assets | 7.2616% | 4,764 |
| Core capital (leverage) ratio | 7.5716% | 4,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5046% | 2,543 |
| Memoranda: | ||
| Average total assets | $188,333,500 | 3,177 |
| Average earning assets | $179,749,000 | 3,134 |
| Average equity | $13,578,750 | 3,828 |
| Average total loans | $112,656,500 | 3,075 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6863% | 2,375 |
| Cost of funding earning assets | 0.2772% | 3,017 |
| Net interest margin | 3.4091% | 2,115 |
| Noninterest income to average assets | 0.4393% | 2,907 |
| Noninterest expense to average assets | 2.5815% | 1,906 |
| Loan and lease loss provision to assets | 0.4201% | 141 |
| Net operating income to assets | 0.7027% | 3,757 |
| Return on assets (ROA) | 0.7027% | 3,823 |
| Pretax return on assets | 0.7027% | 4,058 |
| Return on Equity (ROE) | 9.7697% | 2,843 |
| Retained earnings to average equity (ytd only) | 6.9826% | 2,438 |
| Net charge-offs to loans | -0.1322% | 4,700 |
| Credit loss provision to net charge-offs | -532.4324% | 3,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6891% | 1,685 |
| Assets per employee ($millions) | 5.3851% | 3,252 |
| Cash dividends to net income (ytd only)* | 28.5281% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 967 |
| Loan loss allowance to noncurrent loans | 179.4964% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.1168% | 641 |
| Noncurrent loans to loans | 0.9764% | 1,264 |
| Net loans and leases to total assets | 57.7189% | 2,705 |
| Net loans and leases to deposits | 62.1787% | 3,182 |
| Net loans and leases to core deposits | 64.2307% | 3,268 |
| Total domestic deposits to total assets | 92.8274% | 42 |
| Equity capital to assets | 7.0179% | 4,844 |
| Core capital (leverage) ratio | 7.3888% | 4,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5428% | 2,530 |
| Memoranda: | ||
| Average total assets | $187,567,333 | 3,192 |
| Average earning assets | $179,636,667 | 3,136 |
| Average equity | $13,490,667 | 3,843 |
| Average total loans | $111,980,333 | 3,099 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2129% | 3,662 |
| Cost of funding earning assets | 0.3170% | 2,823 |
| Net interest margin | 2.8959% | 3,541 |
| Noninterest income to average assets | 1.1105% | 965 |
| Noninterest expense to average assets | 2.6483% | 1,745 |
| Loan and lease loss provision to assets | 0.5943% | 98 |
| Net operating income to assets | 0.6420% | 3,830 |
| Return on assets (ROA) | 0.6420% | 3,900 |
| Pretax return on assets | 0.6420% | 4,124 |
| Return on Equity (ROE) | 8.8138% | 3,098 |
| Retained earnings to average equity (ytd only) | 3.2158% | 3,713 |
| Net charge-offs to loans | -0.2558% | 4,828 |
| Credit loss provision to net charge-offs | -385.9155% | 3,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1742% | 1,914 |
| Assets per employee ($millions) | 5.4861% | 3,132 |
| Cash dividends to net income (ytd only)* | 63.5135% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 1,098 |
| Loan loss allowance to noncurrent loans | 164.4425% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 711 |
| Noncurrent loans to loans | 1.0205% | 1,313 |
| Net loans and leases to total assets | 55.5621% | 3,090 |
| Net loans and leases to deposits | 59.6286% | 3,509 |
| Net loans and leases to core deposits | 61.6379% | 3,602 |
| Total domestic deposits to total assets | 93.1802% | 25 |
| Equity capital to assets | 6.6953% | 4,894 |
| Core capital (leverage) ratio | 7.3191% | 4,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4513% | 2,512 |
| Memoranda: | ||
| Average total assets | $184,420,000 | 3,213 |
| Average earning assets | $176,661,000 | 3,153 |
| Average equity | $13,433,500 | 3,853 |
| Average total loans | $111,025,000 | 3,118 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0408% | 2,607 |
| Cost of funding earning assets | 0.4394% | 3,348 |
| Net interest margin | 3.6014% | 2,137 |
| Noninterest income to average assets | 0.7199% | 1,794 |
| Noninterest expense to average assets | 2.8758% | 1,749 |
| Loan and lease loss provision to assets | 0.2355% | 1,652 |
| Net operating income to assets | 1.0309% | 2,176 |
| Return on assets (ROA) | 1.0309% | 2,322 |
| Pretax return on assets | 1.0285% | 2,946 |
| Return on Equity (ROE) | 12.6536% | 1,135 |
| Retained earnings to average equity (ytd only) | 2.8687% | 3,434 |
| Net charge-offs to loans | 0.1572% | 1,044 |
| Credit loss provision to net charge-offs | 219.1011% | 2,074 |
| Earnings coverage of net charge-offs (x) | 11.7584% | 2,386 |
| Efficiency ratio | 69.4675% | 2,024 |
| Assets per employee ($millions) | 4.7595% | 3,650 |
| Cash dividends to net income (ytd only)* | 77.3286% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 2,032 |
| Loan loss allowance to noncurrent loans | 134.1528% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 1.2793% | 637 |
| Noncurrent loans to loans | 1.0313% | 1,381 |
| Net loans and leases to total assets | 63.5659% | 2,423 |
| Net loans and leases to deposits | 69.2139% | 2,963 |
| Net loans and leases to core deposits | 71.8342% | 3,090 |
| Total domestic deposits to total assets | 91.8397% | 85 |
| Equity capital to assets | 7.9630% | 4,724 |
| Core capital (leverage) ratio | 8.1056% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3261% | 2,511 |
| Memoranda: | ||
| Average total assets | $165,586,200 | 3,231 |
| Average earning assets | $157,244,800 | 3,195 |
| Average equity | $13,490,200 | 3,815 |
| Average total loans | $113,256,000 | 3,051 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 2,493 |
| Cost of funding earning assets | 0.4626% | 3,456 |
| Net interest margin | 3.6978% | 1,954 |
| Noninterest income to average assets | 0.7822% | 1,570 |
| Noninterest expense to average assets | 2.9209% | 1,646 |
| Loan and lease loss provision to assets | 0.2193% | 1,832 |
| Net operating income to assets | 1.1510% | 1,816 |
| Return on assets (ROA) | 1.1510% | 1,931 |
| Pretax return on assets | 1.1477% | 2,571 |
| Return on Equity (ROE) | 14.0449% | 876 |
| Retained earnings to average equity (ytd only) | 2.7654% | 3,622 |
| Net charge-offs to loans | 0.2083% | 734 |
| Credit loss provision to net charge-offs | 151.6854% | 2,314 |
| Earnings coverage of net charge-offs (x) | 9.4551% | 2,426 |
| Efficiency ratio | 68.1190% | 2,171 |
| Assets per employee ($millions) | 4.4619% | 3,891 |
| Cash dividends to net income (ytd only)* | 80.3105% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,291 |
| Loan loss allowance to noncurrent loans | 122.5413% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 1.2987% | 731 |
| Noncurrent loans to loans | 1.0370% | 1,444 |
| Net loans and leases to total assets | 64.5194% | 2,702 |
| Net loans and leases to deposits | 70.3358% | 3,282 |
| Net loans and leases to core deposits | 73.0277% | 3,394 |
| Total domestic deposits to total assets | 91.7306% | 79 |
| Equity capital to assets | 8.0093% | 4,709 |
| Core capital (leverage) ratio | 8.1369% | 4,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6650% | 2,339 |
| Memoranda: | ||
| Average total assets | $164,147,250 | 3,226 |
| Average earning assets | $155,622,250 | 3,190 |
| Average equity | $13,451,750 | 3,823 |
| Average total loans | $113,959,250 | 3,057 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 2,417 |
| Cost of funding earning assets | 0.4984% | 3,541 |
| Net interest margin | 3.8235% | 1,764 |
| Noninterest income to average assets | 0.9092% | 1,142 |
| Noninterest expense to average assets | 2.9505% | 1,716 |
| Loan and lease loss provision to assets | 0.1848% | 2,176 |
| Net operating income to assets | 1.3983% | 1,116 |
| Return on assets (ROA) | 1.3983% | 1,206 |
| Pretax return on assets | 1.3933% | 1,743 |
| Return on Equity (ROE) | 16.9289% | 462 |
| Retained earnings to average equity (ytd only) | 6.4285% | 1,890 |
| Net charge-offs to loans | 0.3095% | 521 |
| Credit loss provision to net charge-offs | 84.2697% | 2,488 |
| Earnings coverage of net charge-offs (x) | 7.1966% | 2,385 |
| Efficiency ratio | 65.1523% | 2,641 |
| Assets per employee ($millions) | 4.4331% | 3,876 |
| Cash dividends to net income (ytd only)* | 62.0264% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 2,985 |
| Loan loss allowance to noncurrent loans | 98.3206% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.3668% | 731 |
| Noncurrent loans to loans | 1.1309% | 1,390 |
| Net loans and leases to total assets | 66.2556% | 2,592 |
| Net loans and leases to deposits | 72.1366% | 3,250 |
| Net loans and leases to core deposits | 74.7281% | 3,396 |
| Total domestic deposits to total assets | 91.8475% | 59 |
| Equity capital to assets | 7.9570% | 4,740 |
| Core capital (leverage) ratio | 8.0350% | 4,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5338% | 2,383 |
| Memoranda: | ||
| Average total assets | $162,345,667 | 3,224 |
| Average earning assets | $153,679,333 | 3,189 |
| Average equity | $13,409,000 | 3,830 |
| Average total loans | $115,011,667 | 3,035 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 1,599 |
| Cost of funding earning assets | 0.5592% | 3,645 |
| Net interest margin | 4.1767% | 968 |
| Noninterest income to average assets | 0.4507% | 2,783 |
| Noninterest expense to average assets | 3.1170% | 1,597 |
| Loan and lease loss provision to assets | 0.0764% | 2,768 |
| Net operating income to assets | 1.2045% | 1,501 |
| Return on assets (ROA) | 1.2045% | 1,616 |
| Pretax return on assets | 1.1943% | 2,221 |
| Return on Equity (ROE) | 14.2954% | 648 |
| Retained earnings to average equity (ytd only) | 2.2063% | 3,368 |
| Net charge-offs to loans | 0.0035% | 2,460 |
| Credit loss provision to net charge-offs | 3,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 499.0000% | 128 |
| Efficiency ratio | 71.0389% | 2,213 |
| Assets per employee ($millions) | 4.1127% | 3,769 |
| Cash dividends to net income (ytd only)* | 84.5666% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 2,843 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.4577% | 750 |
| Noncurrent loans to loans | 1.1664% | 1,415 |
| Net loans and leases to total assets | 69.2809% | 2,356 |
| Net loans and leases to deposits | 75.5397% | 3,116 |
| Net loans and leases to core deposits | 78.2415% | 3,338 |
| Total domestic deposits to total assets | 91.7146% | 54 |
| Equity capital to assets | 8.1304% | 4,945 |
| Core capital (leverage) ratio | 8.1076% | 4,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1878% | 3,046 |
| Memoranda: | ||
| Average total assets | $157,073,000 | 3,245 |
| Average earning assets | $148,058,500 | 3,208 |
| Average equity | $13,235,000 | 3,859 |
| Average total loans | $114,598,500 | 3,021 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0149% | 1,436 |
| Cost of funding earning assets | 0.5432% | 3,909 |
| Net interest margin | 4.4716% | 760 |
| Noninterest income to average assets | 0.5941% | 2,256 |
| Noninterest expense to average assets | 3.1055% | 1,744 |
| Loan and lease loss provision to assets | 0.0007% | 3,968 |
| Net operating income to assets | 1.6810% | 691 |
| Return on assets (ROA) | 1.6810% | 739 |
| Pretax return on assets | 1.6837% | 1,237 |
| Return on Equity (ROE) | 19.8565% | 224 |
| Retained earnings to average equity (ytd only) | 7.2249% | 1,293 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8344% | 2,967 |
| Assets per employee ($millions) | 4.1566% | 3,686 |
| Cash dividends to net income (ytd only)* | 63.6145% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 2,668 |
| Loan loss allowance to noncurrent loans | 65,800.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 1,834 |
| Noncurrent loans to loans | 0.0018% | 4,605 |
| Net loans and leases to total assets | 75.2237% | 1,545 |
| Net loans and leases to deposits | 82.6801% | 2,477 |
| Net loans and leases to core deposits | 85.6358% | 2,812 |
| Total domestic deposits to total assets | 90.9816% | 124 |
| Equity capital to assets | 8.7511% | 4,803 |
| Core capital (leverage) ratio | 8.6137% | 4,775 |
| Tier 1 risk-based capital ratio | 11.2634% | 4,749 |
| Total risk-based capital ratio | 12.4076% | 4,684 |
| Memoranda: | ||
| Average total assets | $148,125,800 | 3,324 |
| Average earning assets | $138,987,000 | 3,291 |
| Average equity | $12,540,000 | 3,932 |
| Average total loans | $110,332,000 | 3,080 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 1,518 |
| Cost of funding earning assets | 0.5593% | 3,875 |
| Net interest margin | 4.4466% | 858 |
| Noninterest income to average assets | 0.6046% | 2,182 |
| Noninterest expense to average assets | 3.0872% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6929% | 759 |
| Return on assets (ROA) | 1.6929% | 799 |
| Pretax return on assets | 1.6929% | 1,355 |
| Return on Equity (ROE) | 20.1695% | 239 |
| Retained earnings to average equity (ytd only) | 8.3430% | 1,268 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5837% | 2,925 |
| Assets per employee ($millions) | 4.1039% | 3,753 |
| Cash dividends to net income (ytd only)* | 58.6354% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,612 |
| Loan loss allowance to noncurrent loans | 65,850.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.7141% | 1,916 |
| Noncurrent loans to loans | 0.0018% | 4,690 |
| Net loans and leases to total assets | 74.6145% | 1,698 |
| Net loans and leases to deposits | 82.0533% | 2,677 |
| Net loans and leases to core deposits | 85.0174% | 2,991 |
| Total domestic deposits to total assets | 90.9342% | 108 |
| Equity capital to assets | 8.7687% | 4,888 |
| Core capital (leverage) ratio | 8.5611% | 4,913 |
| Tier 1 risk-based capital ratio | 11.0679% | 4,879 |
| Total risk-based capital ratio | 12.2046% | 4,810 |
| Memoranda: | ||
| Average total assets | $147,747,500 | 3,365 |
| Average earning assets | $138,738,250 | 3,329 |
| Average equity | $12,401,250 | 3,986 |
| Average total loans | $109,445,000 | 3,133 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 1,634 |
| Cost of funding earning assets | 0.5755% | 3,769 |
| Net interest margin | 4.3659% | 1,005 |
| Noninterest income to average assets | 0.5049% | 2,648 |
| Noninterest expense to average assets | 3.0701% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5323% | 1,056 |
| Return on assets (ROA) | 1.5323% | 1,106 |
| Pretax return on assets | 1.5323% | 1,750 |
| Return on Equity (ROE) | 18.5321% | 350 |
| Retained earnings to average equity (ytd only) | 6.7940% | 1,905 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7059% | 2,715 |
| Assets per employee ($millions) | 4.1392% | 3,668 |
| Cash dividends to net income (ytd only)* | 63.3392% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 2,626 |
| Loan loss allowance to noncurrent loans | 219.1348% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 1.1100% | 1,221 |
| Noncurrent loans to loans | 0.5384% | 2,658 |
| Net loans and leases to total assets | 74.0254% | 1,884 |
| Net loans and leases to deposits | 82.2541% | 2,704 |
| Net loans and leases to core deposits | 85.3953% | 3,006 |
| Total domestic deposits to total assets | 89.9960% | 336 |
| Equity capital to assets | 8.4437% | 5,065 |
| Core capital (leverage) ratio | 8.2842% | 5,068 |
| Tier 1 risk-based capital ratio | 10.9008% | 4,957 |
| Total risk-based capital ratio | 12.0529% | 4,901 |
| Memoranda: | ||
| Average total assets | $147,749,330 | 3,380 |
| Average earning assets | $138,666,330 | 3,348 |
| Average equity | $12,216,670 | 4,014 |
| Average total loans | $108,742,000 | 3,159 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8696% | 1,691 |
| Cost of funding earning assets | 0.5678% | 3,744 |
| Net interest margin | 4.3018% | 1,089 |
| Noninterest income to average assets | 0.4921% | 2,607 |
| Noninterest expense to average assets | 3.0560% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4736% | 1,168 |
| Return on assets (ROA) | 1.4736% | 1,194 |
| Pretax return on assets | 1.4736% | 1,853 |
| Return on Equity (ROE) | 18.0156% | 398 |
| Retained earnings to average equity (ytd only) | 5.8833% | 2,503 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4670% | 2,715 |
| Assets per employee ($millions) | 4.2300% | 3,581 |
| Cash dividends to net income (ytd only)* | 67.3432% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,412 |
| Loan loss allowance to noncurrent loans | 302.0642% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.9778% | 1,430 |
| Noncurrent loans to loans | 0.4083% | 3,124 |
| Net loans and leases to total assets | 69.2647% | 2,584 |
| Net loans and leases to deposits | 76.5352% | 3,210 |
| Net loans and leases to core deposits | 79.2191% | 3,431 |
| Total domestic deposits to total assets | 90.5005% | 291 |
| Equity capital to assets | 8.0122% | 5,177 |
| Core capital (leverage) ratio | 8.1292% | 5,171 |
| Tier 1 risk-based capital ratio | 11.0916% | 4,931 |
| Total risk-based capital ratio | 12.2865% | 4,859 |
| Memoranda: | ||
| Average total assets | $147,118,500 | 3,423 |
| Average earning assets | $138,081,500 | 3,395 |
| Average equity | $12,034,000 | 4,050 |
| Average total loans | $107,301,500 | 3,208 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 1,925 |
| Cost of funding earning assets | 0.4782% | 3,497 |
| Net interest margin | 4.1939% | 1,405 |
| Noninterest income to average assets | 0.5258% | 2,682 |
| Noninterest expense to average assets | 3.1752% | 1,617 |
| Loan and lease loss provision to assets | 0.0007% | 4,078 |
| Net operating income to assets | 1.2793% | 1,881 |
| Return on assets (ROA) | 1.2793% | 1,876 |
| Pretax return on assets | 1.2793% | 2,582 |
| Return on Equity (ROE) | 16.1962% | 590 |
| Retained earnings to average equity (ytd only) | 4.1645% | 3,267 |
| Net charge-offs to loans | 0.0019% | 3,683 |
| Credit loss provision to net charge-offs | 50.0000% | 3,186 |
| Earnings coverage of net charge-offs (x) | 930.0000% | 116 |
| Efficiency ratio | 71.2697% | 2,005 |
| Assets per employee ($millions) | 3.9432% | 3,972 |
| Cash dividends to net income (ytd only)* | 74.2873% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,464 |
| Loan loss allowance to noncurrent loans | 1,004.5802% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 4,360 |
| Noncurrent loans to loans | 0.1215% | 4,184 |
| Net loans and leases to total assets | 75.0183% | 1,770 |
| Net loans and leases to deposits | 83.3161% | 2,590 |
| Net loans and leases to core deposits | 85.5551% | 2,944 |
| Total domestic deposits to total assets | 90.0406% | 463 |
| Equity capital to assets | 8.3596% | 5,009 |
| Core capital (leverage) ratio | 8.2907% | 5,123 |
| Tier 1 risk-based capital ratio | 10.9779% | 4,990 |
| Total risk-based capital ratio | 12.1771% | 4,896 |
| Memoranda: | ||
| Average total assets | $145,315,200 | 3,441 |
| Average earning assets | $136,149,000 | 3,408 |
| Average equity | $11,478,000 | 4,089 |
| Average total loans | $107,556,000 | 3,178 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 1,975 |
| Cost of funding earning assets | 0.4852% | 3,292 |
| Net interest margin | 4.1132% | 1,591 |
| Noninterest income to average assets | 0.5209% | 2,737 |
| Noninterest expense to average assets | 3.1883% | 1,551 |
| Loan and lease loss provision to assets | 0.0009% | 3,938 |
| Net operating income to assets | 1.1832% | 2,305 |
| Return on assets (ROA) | 1.1832% | 2,310 |
| Pretax return on assets | 1.1832% | 3,053 |
| Return on Equity (ROE) | 15.1949% | 836 |
| Retained earnings to average equity (ytd only) | 2.4134% | 4,431 |
| Net charge-offs to loans | 0.0025% | 3,394 |
| Credit loss provision to net charge-offs | 50.0000% | 2,827 |
| Earnings coverage of net charge-offs (x) | 648.1723% | 136 |
| Efficiency ratio | 72.9188% | 1,745 |
| Assets per employee ($millions) | 3.8761% | 4,071 |
| Cash dividends to net income (ytd only)* | 84.1172% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 2,479 |
| Loan loss allowance to noncurrent loans | 162.6700% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 2,545 |
| Noncurrent loans to loans | 0.7536% | 2,204 |
| Net loans and leases to total assets | 71.9933% | 2,328 |
| Net loans and leases to deposits | 79.4818% | 3,090 |
| Net loans and leases to core deposits | 81.3663% | 3,374 |
| Total domestic deposits to total assets | 90.5785% | 319 |
| Equity capital to assets | 7.8009% | 5,236 |
| Core capital (leverage) ratio | 8.1435% | 5,278 |
| Tier 1 risk-based capital ratio | 10.8400% | 5,108 |
| Total risk-based capital ratio | 12.0514% | 5,028 |
| Memoranda: | ||
| Average total assets | $146,155,000 | 3,468 |
| Average earning assets | $136,855,500 | 3,440 |
| Average equity | $11,380,750 | 4,139 |
| Average total loans | $107,492,750 | 3,201 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 1,798 |
| Cost of funding earning assets | 0.4852% | 3,132 |
| Net interest margin | 4.1084% | 1,530 |
| Noninterest income to average assets | 0.5131% | 2,783 |
| Noninterest expense to average assets | 3.1898% | 1,555 |
| Loan and lease loss provision to assets | 0.0014% | 3,770 |
| Net operating income to assets | 1.1675% | 2,320 |
| Return on assets (ROA) | 1.1675% | 2,322 |
| Pretax return on assets | 1.1675% | 3,060 |
| Return on Equity (ROE) | 15.0031% | 850 |
| Retained earnings to average equity (ytd only) | 1.0754% | 4,736 |
| Net charge-offs to loans | 0.0019% | 3,144 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 852.0000% | 94 |
| Efficiency ratio | 73.1822% | 1,822 |
| Assets per employee ($millions) | 3.7568% | 4,272 |
| Cash dividends to net income (ytd only)* | 92.8320% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 2,479 |
| Loan loss allowance to noncurrent loans | 6,931.5789% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 4,974 |
| Noncurrent loans to loans | 0.0179% | 4,861 |
| Net loans and leases to total assets | 71.5072% | 2,359 |
| Net loans and leases to deposits | 78.8714% | 3,064 |
| Net loans and leases to core deposits | 80.7485% | 3,350 |
| Total domestic deposits to total assets | 90.6630% | 342 |
| Equity capital to assets | 7.7685% | 5,302 |
| Core capital (leverage) ratio | 7.8894% | 5,377 |
| Tier 1 risk-based capital ratio | 10.8195% | 5,144 |
| Total risk-based capital ratio | 12.0447% | 5,048 |
| Memoranda: | ||
| Average total assets | $145,776,670 | 3,492 |
| Average earning assets | $136,451,330 | 3,468 |
| Average equity | $11,344,330 | 4,176 |
| Average total loans | $107,538,670 | 3,210 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 1,911 |
| Cost of funding earning assets | 0.4703% | 3,039 |
| Net interest margin | 4.0148% | 1,680 |
| Noninterest income to average assets | 0.4952% | 2,832 |
| Noninterest expense to average assets | 3.1855% | 1,597 |
| Loan and lease loss provision to assets | 0.0028% | 3,482 |
| Net operating income to assets | 1.0646% | 2,589 |
| Return on assets (ROA) | 1.0646% | 2,600 |
| Pretax return on assets | 1.0646% | 3,301 |
| Return on Equity (ROE) | 13.6683% | 1,094 |
| Retained earnings to average equity (ytd only) | -5.2978% | 5,214 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9030% | 1,760 |
| Assets per employee ($millions) | 4.1058% | 3,794 |
| Cash dividends to net income (ytd only)* | 138.7597% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 2,777 |
| Loan loss allowance to noncurrent loans | 3,765.7143% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,999 |
| Noncurrent loans to loans | 0.0320% | 4,836 |
| Net loans and leases to total assets | 71.1117% | 2,313 |
| Net loans and leases to deposits | 78.0079% | 3,015 |
| Net loans and leases to core deposits | 83.2191% | 3,038 |
| Total domestic deposits to total assets | 91.1596% | 267 |
| Equity capital to assets | 7.3718% | 5,456 |
| Core capital (leverage) ratio | 7.7885% | 5,449 |
| Tier 1 risk-based capital ratio | 10.2493% | 5,429 |
| Total risk-based capital ratio | 11.4322% | 5,384 |
| Memoranda: | ||
| Average total assets | $145,408,000 | 3,526 |
| Average earning assets | $136,096,500 | 3,502 |
| Average equity | $11,325,500 | 4,222 |
| Average total loans | $108,265,500 | 3,225 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 1,537 |
| Cost of funding earning assets | 0.3893% | 3,339 |
| Net interest margin | 4.1715% | 1,247 |
| Noninterest income to average assets | 0.5740% | 2,581 |
| Noninterest expense to average assets | 3.3122% | 1,353 |
| Loan and lease loss provision to assets | 0.0653% | 2,903 |
| Net operating income to assets | 1.0799% | 1,935 |
| Return on assets (ROA) | 1.0799% | 1,953 |
| Pretax return on assets | 1.0792% | 3,266 |
| Return on Equity (ROE) | 13.6128% | 827 |
| Retained earnings to average equity (ytd only) | 5.7979% | 1,656 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3198% | 1,854 |
| Assets per employee ($millions) | 3.3878% | 4,837 |
| Cash dividends to net income (ytd only)* | 57.4086% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,608 |
| Loan loss allowance to noncurrent loans | 4,248.3871% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 5,043 |
| Noncurrent loans to loans | 0.0289% | 4,881 |
| Net loans and leases to total assets | 76.2174% | 1,551 |
| Net loans and leases to deposits | 84.5460% | 2,432 |
| Net loans and leases to core deposits | 90.0359% | 2,568 |
| Total domestic deposits to total assets | 90.1490% | 517 |
| Equity capital to assets | 8.2448% | 5,280 |
| Core capital (leverage) ratio | 8.2186% | 5,342 |
| Tier 1 risk-based capital ratio | 10.5226% | 5,363 |
| Total risk-based capital ratio | 11.7204% | 5,289 |
| Memoranda: | ||
| Average total assets | $139,363,600 | 3,619 |
| Average earning assets | $129,714,000 | 3,592 |
| Average equity | $11,055,800 | 4,289 |
| Average total loans | $104,000,200 | 3,284 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 1,663 |
| Cost of funding earning assets | 0.3778% | 3,390 |
| Net interest margin | 4.1160% | 1,350 |
| Noninterest income to average assets | 0.5755% | 2,604 |
| Noninterest expense to average assets | 3.2922% | 1,370 |
| Loan and lease loss provision to assets | 0.0870% | 2,346 |
| Net operating income to assets | 1.0286% | 2,419 |
| Return on assets (ROA) | 1.0286% | 2,461 |
| Pretax return on assets | 1.0286% | 3,572 |
| Return on Equity (ROE) | 13.0936% | 1,037 |
| Retained earnings to average equity (ytd only) | 2.5798% | 4,339 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6910% | 1,789 |
| Assets per employee ($millions) | 3.8604% | 4,221 |
| Cash dividends to net income (ytd only)* | 80.2974% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 2,866 |
| Loan loss allowance to noncurrent loans | 65,850.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,274 |
| Noncurrent loans to loans | 0.0018% | 5,157 |
| Net loans and leases to total assets | 75.2237% | 1,723 |
| Net loans and leases to deposits | 86.4116% | 2,250 |
| Net loans and leases to core deposits | 91.6328% | 2,478 |
| Total domestic deposits to total assets | 87.0528% | 1,851 |
| Equity capital to assets | 7.8154% | 5,565 |
| Core capital (leverage) ratio | 7.8962% | 5,545 |
| Tier 1 risk-based capital ratio | 9.8131% | 5,631 |
| Total risk-based capital ratio | 10.9731% | 5,619 |
| Memoranda: | ||
| Average total assets | $139,479,500 | 3,651 |
| Average earning assets | $129,862,500 | 3,626 |
| Average equity | $10,956,750 | 4,348 |
| Average total loans | $103,204,500 | 3,328 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 1,699 |
| Cost of funding earning assets | 0.3620% | 3,462 |
| Net interest margin | 4.0771% | 1,389 |
| Noninterest income to average assets | 0.5796% | 2,561 |
| Noninterest expense to average assets | 3.3058% | 1,364 |
| Loan and lease loss provision to assets | 0.0882% | 2,220 |
| Net operating income to assets | 0.9786% | 2,528 |
| Return on assets (ROA) | 0.9786% | 2,579 |
| Pretax return on assets | 0.9786% | 3,639 |
| Return on Equity (ROE) | 12.4357% | 1,178 |
| Retained earnings to average equity (ytd only) | 0.5511% | 4,963 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6033% | 1,789 |
| Assets per employee ($millions) | 3.7537% | 4,351 |
| Cash dividends to net income (ytd only)* | 95.5687% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 2,979 |
| Loan loss allowance to noncurrent loans | 42,900.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,316 |
| Noncurrent loans to loans | 0.0028% | 5,195 |
| Net loans and leases to total assets | 73.9440% | 1,879 |
| Net loans and leases to deposits | 84.1502% | 2,453 |
| Net loans and leases to core deposits | 89.3884% | 2,582 |
| Total domestic deposits to total assets | 87.8715% | 1,525 |
| Equity capital to assets | 7.7048% | 5,616 |
| Core capital (leverage) ratio | 7.7113% | 5,608 |
| Tier 1 risk-based capital ratio | 9.6667% | 5,684 |
| Total risk-based capital ratio | 10.8019% | 5,688 |
| Memoranda: | ||
| Average total assets | $138,361,330 | 3,691 |
| Average earning assets | $128,718,000 | 3,660 |
| Average equity | $10,888,000 | 4,374 |
| Average total loans | $101,352,000 | 3,371 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 1,726 |
| Cost of funding earning assets | 0.3597% | 3,423 |
| Net interest margin | 4.0166% | 1,427 |
| Noninterest income to average assets | 0.5550% | 2,633 |
| Noninterest expense to average assets | 3.1948% | 1,622 |
| Loan and lease loss provision to assets | 0.0881% | 2,072 |
| Net operating income to assets | 1.0101% | 2,265 |
| Return on assets (ROA) | 1.0101% | 2,316 |
| Pretax return on assets | 1.0101% | 3,322 |
| Return on Equity (ROE) | 12.6972% | 1,062 |
| Retained earnings to average equity (ytd only) | -2.9528% | 5,256 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4186% | 2,160 |
| Assets per employee ($millions) | 3.8332% | 4,294 |
| Cash dividends to net income (ytd only)* | 123.2558% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 2,802 |
| Loan loss allowance to noncurrent loans | 4,186.6667% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 5,251 |
| Noncurrent loans to loans | 0.0299% | 5,091 |
| Net loans and leases to total assets | 69.7608% | 2,427 |
| Net loans and leases to deposits | 76.8402% | 3,098 |
| Net loans and leases to core deposits | 82.1653% | 3,078 |
| Total domestic deposits to total assets | 90.7868% | 364 |
| Equity capital to assets | 7.6296% | 5,648 |
| Core capital (leverage) ratio | 7.8382% | 5,615 |
| Tier 1 risk-based capital ratio | 10.2749% | 5,627 |
| Total risk-based capital ratio | 11.4645% | 5,593 |
| Memoranda: | ||
| Average total assets | $136,222,500 | 3,754 |
| Average earning assets | $126,773,500 | 3,725 |
| Average equity | $10,837,000 | 4,413 |
| Average total loans | $98,648,000 | 3,445 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 1,886 |
| Cost of funding earning assets | 0.2909% | 4,165 |
| Net interest margin | 4.0869% | 1,410 |
| Noninterest income to average assets | 0.6203% | 2,551 |
| Noninterest expense to average assets | 3.4384% | 1,279 |
| Loan and lease loss provision to assets | 0.0934% | 2,491 |
| Net operating income to assets | 0.8723% | 2,969 |
| Return on assets (ROA) | 0.8700% | 3,090 |
| Pretax return on assets | 0.8829% | 3,902 |
| Return on Equity (ROE) | 10.7466% | 1,671 |
| Retained earnings to average equity (ytd only) | 5.2233% | 2,188 |
| Net charge-offs to loans | -0.0255% | 5,191 |
| Credit loss provision to net charge-offs | -534.7826% | 5,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8446% | 1,712 |
| Assets per employee ($millions) | 3.6282% | 4,567 |
| Cash dividends to net income (ytd only)* | 51.3962% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,745 |
| Loan loss allowance to noncurrent loans | 2,990.2439% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 5,244 |
| Noncurrent loans to loans | 0.0422% | 5,079 |
| Net loans and leases to total assets | 73.4007% | 1,943 |
| Net loans and leases to deposits | 81.5593% | 2,718 |
| Net loans and leases to core deposits | 87.3654% | 2,743 |
| Total domestic deposits to total assets | 89.9966% | 626 |
| Equity capital to assets | 8.3091% | 5,412 |
| Core capital (leverage) ratio | 8.4681% | 5,293 |
| Tier 1 risk-based capital ratio | 10.7639% | 5,458 |
| Total risk-based capital ratio | 11.9714% | 5,384 |
| Memoranda: | ||
| Average total assets | $131,719,000 | 3,800 |
| Average earning assets | $122,367,400 | 3,785 |
| Average equity | $10,663,800 | 4,468 |
| Average total loans | $90,069,800 | 3,576 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 1,990 |
| Cost of funding earning assets | 0.2786% | 4,309 |
| Net interest margin | 4.0744% | 1,465 |
| Noninterest income to average assets | 0.6263% | 2,540 |
| Noninterest expense to average assets | 3.4192% | 1,312 |
| Loan and lease loss provision to assets | 0.0929% | 2,365 |
| Net operating income to assets | 0.8787% | 3,016 |
| Return on assets (ROA) | 0.8758% | 3,156 |
| Pretax return on assets | 0.8929% | 4,003 |
| Return on Equity (ROE) | 10.8884% | 1,711 |
| Retained earnings to average equity (ytd only) | 3.4914% | 3,805 |
| Net charge-offs to loans | -0.0377% | 5,262 |
| Credit loss provision to net charge-offs | -368.0000% | 4,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5665% | 1,758 |
| Assets per employee ($millions) | 3.3353% | 5,001 |
| Cash dividends to net income (ytd only)* | 67.9352% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,862 |
| Loan loss allowance to noncurrent loans | 5,440.9091% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 5,447 |
| Noncurrent loans to loans | 0.0233% | 5,291 |
| Net loans and leases to total assets | 71.7934% | 2,224 |
| Net loans and leases to deposits | 79.8929% | 2,978 |
| Net loans and leases to core deposits | 85.4151% | 3,002 |
| Total domestic deposits to total assets | 89.8621% | 527 |
| Equity capital to assets | 8.3797% | 5,592 |
| Core capital (leverage) ratio | 8.3234% | 5,488 |
| Tier 1 risk-based capital ratio | 10.5863% | 5,578 |
| Total risk-based capital ratio | 11.7761% | 5,528 |
| Memoranda: | ||
| Average total assets | $131,994,750 | 3,820 |
| Average earning assets | $122,517,500 | 3,805 |
| Average equity | $10,616,500 | 4,516 |
| Average total loans | $88,312,500 | 3,626 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 2,479 |
| Cost of funding earning assets | 0.2633% | 4,514 |
| Net interest margin | 3.9481% | 1,817 |
| Noninterest income to average assets | 0.6077% | 2,576 |
| Noninterest expense to average assets | 3.3943% | 1,386 |
| Loan and lease loss provision to assets | 0.0935% | 2,284 |
| Net operating income to assets | 0.7566% | 3,522 |
| Return on assets (ROA) | 0.7449% | 3,732 |
| Pretax return on assets | 0.7705% | 4,390 |
| Return on Equity (ROE) | 9.3898% | 2,317 |
| Retained earnings to average equity (ytd only) | 1.5396% | 4,762 |
| Net charge-offs to loans | -0.0580% | 5,424 |
| Credit loss provision to net charge-offs | -248.0000% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4845% | 1,565 |
| Assets per employee ($millions) | 3.3938% | 4,932 |
| Cash dividends to net income (ytd only)* | 83.6032% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,881 |
| Loan loss allowance to noncurrent loans | 2,482.9787% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 5,434 |
| Noncurrent loans to loans | 0.0517% | 5,255 |
| Net loans and leases to total assets | 69.5752% | 2,536 |
| Net loans and leases to deposits | 78.0567% | 3,153 |
| Net loans and leases to core deposits | 83.5711% | 3,119 |
| Total domestic deposits to total assets | 89.1342% | 859 |
| Equity capital to assets | 8.3628% | 5,666 |
| Core capital (leverage) ratio | 8.0724% | 5,687 |
| Tier 1 risk-based capital ratio | 10.6931% | 5,581 |
| Total risk-based capital ratio | 11.8869% | 5,524 |
| Memoranda: | ||
| Average total assets | $132,634,330 | 3,836 |
| Average earning assets | $123,046,330 | 3,822 |
| Average equity | $10,522,000 | 4,563 |
| Average total loans | $86,222,330 | 3,688 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 3,067 |
| Cost of funding earning assets | 0.2587% | 4,624 |
| Net interest margin | 3.7816% | 2,367 |
| Noninterest income to average assets | 0.6009% | 2,522 |
| Noninterest expense to average assets | 3.3673% | 1,451 |
| Loan and lease loss provision to assets | 0.0892% | 2,192 |
| Net operating income to assets | 0.6663% | 3,891 |
| Return on assets (ROA) | 0.6663% | 4,012 |
| Pretax return on assets | 0.6663% | 4,635 |
| Return on Equity (ROE) | 8.6233% | 2,599 |
| Retained earnings to average equity (ytd only) | -1.6939% | 5,355 |
| Net charge-offs to loans | 0.0048% | 2,956 |
| Credit loss provision to net charge-offs | 3,000.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 254.0000% | 238 |
| Efficiency ratio | 81.6739% | 1,402 |
| Assets per employee ($millions) | 3.7089% | 4,450 |
| Cash dividends to net income (ytd only)* | 119.6429% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 2,994 |
| Loan loss allowance to noncurrent loans | 2,464.4444% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,512 |
| Noncurrent loans to loans | 0.0520% | 5,281 |
| Net loans and leases to total assets | 62.1970% | 3,498 |
| Net loans and leases to deposits | 67.4109% | 4,117 |
| Net loans and leases to core deposits | 73.5459% | 3,936 |
| Total domestic deposits to total assets | 92.2655% | 84 |
| Equity capital to assets | 7.6346% | 5,921 |
| Core capital (leverage) ratio | 7.6621% | 5,884 |
| Tier 1 risk-based capital ratio | 11.0668% | 5,473 |
| Total risk-based capital ratio | 12.2552% | 5,408 |
| Memoranda: | ||
| Average total assets | $134,469,500 | 3,825 |
| Average earning assets | $125,236,500 | 3,800 |
| Average equity | $10,390,500 | 4,598 |
| Average total loans | $83,886,500 | 3,760 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 2,647 |
| Cost of funding earning assets | 0.2711% | 4,572 |
| Net interest margin | 3.9025% | 2,020 |
| Noninterest income to average assets | 0.7001% | 2,200 |
| Noninterest expense to average assets | 3.5724% | 1,176 |
| Loan and lease loss provision to assets | 0.0969% | 2,371 |
| Net operating income to assets | 0.6347% | 4,112 |
| Return on assets (ROA) | 0.6339% | 4,207 |
| Pretax return on assets | 0.6339% | 4,728 |
| Return on Equity (ROE) | 7.6863% | 3,143 |
| Retained earnings to average equity (ytd only) | 1.2533% | 5,003 |
| Net charge-offs to loans | 0.0833% | 2,643 |
| Credit loss provision to net charge-offs | 181.8182% | 1,499 |
| Earnings coverage of net charge-offs (x) | 13.7273% | 2,354 |
| Efficiency ratio | 83.0019% | 1,275 |
| Assets per employee ($millions) | 3.2124% | 5,278 |
| Cash dividends to net income (ytd only)* | 83.6943% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 2,763 |
| Loan loss allowance to noncurrent loans | 2,347.8261% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 5,543 |
| Noncurrent loans to loans | 0.0566% | 5,290 |
| Net loans and leases to total assets | 60.9154% | 3,706 |
| Net loans and leases to deposits | 66.1644% | 4,303 |
| Net loans and leases to core deposits | 70.3873% | 4,276 |
| Total domestic deposits to total assets | 92.0666% | 108 |
| Equity capital to assets | 7.8233% | 5,914 |
| Core capital (leverage) ratio | 8.5423% | 5,383 |
| Tier 1 risk-based capital ratio | 11.5403% | 5,222 |
| Total risk-based capital ratio | 12.7441% | 5,161 |
| Memoranda: | ||
| Average total assets | $123,837,400 | 4,009 |
| Average earning assets | $114,362,400 | 3,993 |
| Average equity | $10,213,000 | 4,616 |
| Average total loans | $79,262,400 | 3,848 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1935% | 2,596 |
| Cost of funding earning assets | 0.2775% | 4,590 |
| Net interest margin | 3.9160% | 1,980 |
| Noninterest income to average assets | 0.7166% | 2,161 |
| Noninterest expense to average assets | 3.5797% | 1,153 |
| Loan and lease loss provision to assets | 0.1094% | 2,058 |
| Net operating income to assets | 0.6400% | 4,181 |
| Return on assets (ROA) | 0.6389% | 4,305 |
| Pretax return on assets | 0.6389% | 4,870 |
| Return on Equity (ROE) | 7.6411% | 3,260 |
| Retained earnings to average equity (ytd only) | -0.9551% | 5,756 |
| Net charge-offs to loans | 0.1033% | 2,103 |
| Credit loss provision to net charge-offs | 163.9344% | 1,569 |
| Earnings coverage of net charge-offs (x) | 11.2297% | 2,514 |
| Efficiency ratio | 82.6889% | 1,308 |
| Assets per employee ($millions) | 2.8653% | 5,694 |
| Cash dividends to net income (ytd only)* | 112.4998% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 2,947 |
| Loan loss allowance to noncurrent loans | 995.3271% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 5,398 |
| Noncurrent loans to loans | 0.1338% | 5,096 |
| Net loans and leases to total assets | 64.0494% | 3,301 |
| Net loans and leases to deposits | 70.0045% | 3,987 |
| Net loans and leases to core deposits | 74.8326% | 3,924 |
| Total domestic deposits to total assets | 91.4932% | 158 |
| Equity capital to assets | 8.3274% | 5,814 |
| Core capital (leverage) ratio | 8.3471% | 5,679 |
| Tier 1 risk-based capital ratio | 11.3305% | 5,477 |
| Total risk-based capital ratio | 12.5181% | 5,409 |
| Memoranda: | ||
| Average total assets | $121,869,500 | 4,084 |
| Average earning assets | $112,425,500 | 4,075 |
| Average equity | $10,190,250 | 4,679 |
| Average total loans | $78,750,250 | 3,901 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 2,688 |
| Cost of funding earning assets | 0.2805% | 4,608 |
| Net interest margin | 3.8785% | 2,053 |
| Noninterest income to average assets | 0.7264% | 2,108 |
| Noninterest expense to average assets | 3.5578% | 1,202 |
| Loan and lease loss provision to assets | 0.1318% | 1,667 |
| Net operating income to assets | 0.6127% | 4,281 |
| Return on assets (ROA) | 0.6127% | 4,404 |
| Pretax return on assets | 0.6127% | 4,944 |
| Return on Equity (ROE) | 7.3178% | 3,427 |
| Retained earnings to average equity (ytd only) | -3.1474% | 5,928 |
| Net charge-offs to loans | 0.1813% | 1,370 |
| Credit loss provision to net charge-offs | 112.6761% | 1,893 |
| Earnings coverage of net charge-offs (x) | 6.3662% | 2,793 |
| Efficiency ratio | 82.6953% | 1,409 |
| Assets per employee ($millions) | 2.8452% | 5,771 |
| Cash dividends to net income (ytd only)* | 143.0108% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 3,070 |
| Loan loss allowance to noncurrent loans | 690.0000% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 4,128 |
| Noncurrent loans to loans | 0.1930% | 5,004 |
| Net loans and leases to total assets | 61.2543% | 3,660 |
| Net loans and leases to deposits | 66.7325% | 4,263 |
| Net loans and leases to core deposits | 71.2356% | 4,200 |
| Total domestic deposits to total assets | 91.7907% | 152 |
| Equity capital to assets | 8.0663% | 5,952 |
| Core capital (leverage) ratio | 8.2696% | 5,733 |
| Tier 1 risk-based capital ratio | 11.6144% | 5,399 |
| Total risk-based capital ratio | 12.8083% | 5,343 |
| Memoranda: | ||
| Average total assets | $121,423,330 | 4,130 |
| Average earning assets | $111,951,000 | 4,119 |
| Average equity | $10,167,000 | 4,710 |
| Average total loans | $78,340,670 | 3,936 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 2,537 |
| Cost of funding earning assets | 0.2827% | 4,637 |
| Net interest margin | 3.8962% | 1,907 |
| Noninterest income to average assets | 0.7361% | 1,985 |
| Noninterest expense to average assets | 3.5268% | 1,253 |
| Loan and lease loss provision to assets | 0.2008% | 925 |
| Net operating income to assets | 0.6056% | 4,265 |
| Return on assets (ROA) | 0.6056% | 4,359 |
| Pretax return on assets | 0.6056% | 4,902 |
| Return on Equity (ROE) | 7.0970% | 3,456 |
| Retained earnings to average equity (ytd only) | -9.1751% | 6,109 |
| Net charge-offs to loans | 0.1983% | 1,141 |
| Credit loss provision to net charge-offs | 153.8462% | 1,228 |
| Earnings coverage of net charge-offs (x) | 6.1795% | 2,320 |
| Efficiency ratio | 81.3900% | 1,704 |
| Assets per employee ($millions) | 2.9807% | 5,694 |
| Cash dividends to net income (ytd only)* | 229.2818% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 3,044 |
| Loan loss allowance to noncurrent loans | 1,938.8889% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 4,500 |
| Noncurrent loans to loans | 0.0709% | 5,488 |
| Net loans and leases to total assets | 60.0427% | 3,644 |
| Net loans and leases to deposits | 65.3845% | 4,218 |
| Net loans and leases to core deposits | 69.7932% | 4,174 |
| Total domestic deposits to total assets | 91.8301% | 169 |
| Equity capital to assets | 8.0781% | 5,994 |
| Core capital (leverage) ratio | 8.3299% | 5,695 |
| Tier 1 risk-based capital ratio | 11.8282% | 5,352 |
| Total risk-based capital ratio | 13.0666% | 5,259 |
| Memoranda: | ||
| Average total assets | $119,541,000 | 4,193 |
| Average earning assets | $110,364,500 | 4,174 |
| Average equity | $10,201,500 | 4,735 |
| Average total loans | $78,652,000 | 3,943 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4989% | 1,871 |
| Cost of funding earning assets | 0.2965% | 4,827 |
| Net interest margin | 4.2024% | 1,293 |
| Noninterest income to average assets | 0.8366% | 1,727 |
| Noninterest expense to average assets | 3.5557% | 1,378 |
| Loan and lease loss provision to assets | 0.4119% | 429 |
| Net operating income to assets | 0.7585% | 3,577 |
| Return on assets (ROA) | 0.7585% | 3,684 |
| Pretax return on assets | 0.7611% | 4,399 |
| Return on Equity (ROE) | 8.7826% | 2,690 |
| Retained earnings to average equity (ytd only) | 2.6228% | 4,377 |
| Net charge-offs to loans | 0.6338% | 618 |
| Credit loss provision to net charge-offs | 91.9540% | 2,606 |
| Earnings coverage of net charge-offs (x) | 2.6188% | 4,104 |
| Efficiency ratio | 75.1951% | 2,637 |
| Assets per employee ($millions) | 2.7778% | 5,953 |
| Cash dividends to net income (ytd only)* | 70.1357% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 3,620 |
| Loan loss allowance to noncurrent loans | 554.5946% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 4,080 |
| Noncurrent loans to loans | 0.2281% | 5,004 |
| Net loans and leases to total assets | 70.2979% | 2,192 |
| Net loans and leases to deposits | 77.3825% | 3,038 |
| Net loans and leases to core deposits | 82.5052% | 3,044 |
| Total domestic deposits to total assets | 90.8448% | 415 |
| Equity capital to assets | 9.0350% | 5,249 |
| Core capital (leverage) ratio | 9.1531% | 4,747 |
| Tier 1 risk-based capital ratio | 11.9671% | 5,383 |
| Total risk-based capital ratio | 13.1655% | 5,328 |
| Memoranda: | ||
| Average total assets | $116,545,800 | 4,246 |
| Average earning assets | $107,938,600 | 4,227 |
| Average equity | $10,065,400 | 4,737 |
| Average total loans | $82,355,200 | 3,808 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 2,046 |
| Cost of funding earning assets | 0.2988% | 4,899 |
| Net interest margin | 4.1525% | 1,422 |
| Noninterest income to average assets | 0.8543% | 1,679 |
| Noninterest expense to average assets | 3.5650% | 1,355 |
| Loan and lease loss provision to assets | 0.4778% | 319 |
| Net operating income to assets | 0.6655% | 4,126 |
| Return on assets (ROA) | 0.6655% | 4,226 |
| Pretax return on assets | 0.6689% | 4,808 |
| Return on Equity (ROE) | 7.7926% | 3,318 |
| Retained earnings to average equity (ytd only) | 1.6784% | 5,208 |
| Net charge-offs to loans | 0.8386% | 393 |
| Credit loss provision to net charge-offs | 80.7692% | 2,580 |
| Earnings coverage of net charge-offs (x) | 1.9385% | 4,034 |
| Efficiency ratio | 75.6639% | 2,542 |
| Assets per employee ($millions) | 2.7387% | 6,037 |
| Cash dividends to net income (ytd only)* | 78.4610% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 4,410 |
| Loan loss allowance to noncurrent loans | 197.5510% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 3,437 |
| Noncurrent loans to loans | 0.5896% | 4,156 |
| Net loans and leases to total assets | 73.1478% | 1,657 |
| Net loans and leases to deposits | 80.5836% | 2,605 |
| Net loans and leases to core deposits | 85.5990% | 2,706 |
| Total domestic deposits to total assets | 90.7726% | 429 |
| Equity capital to assets | 9.0413% | 5,310 |
| Core capital (leverage) ratio | 8.9568% | 5,125 |
| Tier 1 risk-based capital ratio | 11.8089% | 5,605 |
| Total risk-based capital ratio | 12.9399% | 5,594 |
| Memoranda: | ||
| Average total assets | $117,209,500 | 4,277 |
| Average earning assets | $108,879,500 | 4,248 |
| Average equity | $10,009,250 | 4,782 |
| Average total loans | $82,671,750 | 3,827 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 2,183 |
| Cost of funding earning assets | 0.2995% | 4,972 |
| Net interest margin | 4.0982% | 1,516 |
| Noninterest income to average assets | 0.8599% | 1,623 |
| Noninterest expense to average assets | 3.4800% | 1,514 |
| Loan and lease loss provision to assets | 0.6058% | 232 |
| Net operating income to assets | 0.5688% | 4,502 |
| Return on assets (ROA) | 0.5688% | 4,605 |
| Pretax return on assets | 0.5738% | 5,040 |
| Return on Equity (ROE) | 6.7860% | 3,724 |
| Retained earnings to average equity (ytd only) | -0.1205% | 5,707 |
| Net charge-offs to loans | 1.2190% | 255 |
| Credit loss provision to net charge-offs | 71.5706% | 2,446 |
| Earnings coverage of net charge-offs (x) | 1.3936% | 3,813 |
| Efficiency ratio | 74.6840% | 2,858 |
| Assets per employee ($millions) | 2.9497% | 5,821 |
| Cash dividends to net income (ytd only)* | 101.7751% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 4,824 |
| Loan loss allowance to noncurrent loans | 203.7445% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7441% | 3,733 |
| Noncurrent loans to loans | 0.5484% | 4,369 |
| Net loans and leases to total assets | 71.1545% | 1,895 |
| Net loans and leases to deposits | 78.0923% | 2,791 |
| Net loans and leases to core deposits | 81.7722% | 2,999 |
| Total domestic deposits to total assets | 91.1159% | 376 |
| Equity capital to assets | 8.7328% | 5,586 |
| Core capital (leverage) ratio | 8.3371% | 5,811 |
| Tier 1 risk-based capital ratio | 11.6134% | 5,738 |
| Total risk-based capital ratio | 12.6904% | 5,790 |
| Memoranda: | ||
| Average total assets | $118,851,000 | 4,268 |
| Average earning assets | $110,195,670 | 4,239 |
| Average equity | $9,961,670 | 4,813 |
| Average total loans | $82,528,330 | 3,843 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 2,500 |
| Cost of funding earning assets | 0.2894% | 5,178 |
| Net interest margin | 4.0155% | 1,708 |
| Noninterest income to average assets | 0.8944% | 1,409 |
| Noninterest expense to average assets | 3.3488% | 1,827 |
| Loan and lease loss provision to assets | 0.7287% | 165 |
| Net operating income to assets | 0.5300% | 4,555 |
| Return on assets (ROA) | 0.5300% | 4,621 |
| Pretax return on assets | 0.5399% | 5,046 |
| Return on Equity (ROE) | 6.4519% | 3,779 |
| Retained earnings to average equity (ytd only) | -3.2260% | 5,985 |
| Net charge-offs to loans | 0.7039% | 510 |
| Credit loss provision to net charge-offs | 151.7241% | 1,246 |
| Earnings coverage of net charge-offs (x) | 2.6414% | 2,829 |
| Efficiency ratio | 72.5251% | 3,393 |
| Assets per employee ($millions) | 3.0933% | 5,704 |
| Cash dividends to net income (ytd only)* | 150.0000% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 3,709 |
| Loan loss allowance to noncurrent loans | 205.9459% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 3,810 |
| Noncurrent loans to loans | 0.6686% | 4,189 |
| Net loans and leases to total assets | 66.1632% | 2,540 |
| Net loans and leases to deposits | 71.9888% | 3,336 |
| Net loans and leases to core deposits | 74.9645% | 3,528 |
| Total domestic deposits to total assets | 91.9075% | 274 |
| Equity capital to assets | 7.9963% | 6,063 |
| Core capital (leverage) ratio | 8.0029% | 6,116 |
| Tier 1 risk-based capital ratio | 11.2282% | 6,055 |
| Total risk-based capital ratio | 12.4792% | 6,005 |
| Memoranda: | ||
| Average total assets | $120,758,000 | 4,260 |
| Average earning assets | $111,966,500 | 4,216 |
| Average equity | $9,919,500 | 4,836 |
| Average total loans | $82,403,000 | 3,876 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 1,566 |
| Cost of funding earning assets | 0.3460% | 5,185 |
| Net interest margin | 4.3575% | 981 |
| Noninterest income to average assets | 0.8620% | 1,820 |
| Noninterest expense to average assets | 3.5592% | 1,527 |
| Loan and lease loss provision to assets | 0.2714% | 1,301 |
| Net operating income to assets | 1.0729% | 2,021 |
| Return on assets (ROA) | 1.0805% | 2,072 |
| Pretax return on assets | 1.0805% | 3,025 |
| Return on Equity (ROE) | 14.1595% | 914 |
| Retained earnings to average equity (ytd only) | 4.8429% | 2,705 |
| Net charge-offs to loans | 0.0819% | 4,065 |
| Credit loss provision to net charge-offs | 460.8696% | 497 |
| Earnings coverage of net charge-offs (x) | 22.8261% | 1,436 |
| Efficiency ratio | 72.5849% | 3,372 |
| Assets per employee ($millions) | 2.8728% | 6,014 |
| Cash dividends to net income (ytd only)* | 65.7978% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 4,113 |
| Loan loss allowance to noncurrent loans | 1,941.8182% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 5,091 |
| Noncurrent loans to loans | 0.0672% | 6,019 |
| Net loans and leases to total assets | 68.5407% | 2,251 |
| Net loans and leases to deposits | 74.9554% | 3,106 |
| Net loans and leases to core deposits | 78.1170% | 3,343 |
| Total domestic deposits to total assets | 91.4420% | 422 |
| Equity capital to assets | 8.4434% | 5,645 |
| Core capital (leverage) ratio | 8.6248% | 5,510 |
| Tier 1 risk-based capital ratio | 11.4220% | 5,951 |
| Total risk-based capital ratio | 12.6442% | 5,903 |
| Memoranda: | ||
| Average total assets | $117,162,800 | 4,337 |
| Average earning assets | $108,664,400 | 4,293 |
| Average equity | $8,941,000 | 5,095 |
| Average total loans | $84,232,200 | 3,820 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6883% | 1,630 |
| Cost of funding earning assets | 0.3565% | 5,236 |
| Net interest margin | 4.3318% | 1,025 |
| Noninterest income to average assets | 0.8478% | 1,947 |
| Noninterest expense to average assets | 3.5883% | 1,421 |
| Loan and lease loss provision to assets | 0.2769% | 1,257 |
| Net operating income to assets | 1.0119% | 2,331 |
| Return on assets (ROA) | 1.0221% | 2,375 |
| Pretax return on assets | 1.0221% | 3,409 |
| Return on Equity (ROE) | 13.7626% | 1,052 |
| Retained earnings to average equity (ytd only) | 3.9277% | 3,899 |
| Net charge-offs to loans | 0.1147% | 3,401 |
| Credit loss provision to net charge-offs | 332.8767% | 779 |
| Earnings coverage of net charge-offs (x) | 15.4933% | 1,857 |
| Efficiency ratio | 73.5748% | 3,130 |
| Assets per employee ($millions) | 2.6868% | 6,289 |
| Cash dividends to net income (ytd only)* | 71.4608% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 5,180 |
| Loan loss allowance to noncurrent loans | 766.6667% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 4,479 |
| Noncurrent loans to loans | 0.1482% | 5,879 |
| Net loans and leases to total assets | 74.4794% | 1,217 |
| Net loans and leases to deposits | 80.7706% | 2,293 |
| Net loans and leases to core deposits | 84.2148% | 2,629 |
| Total domestic deposits to total assets | 92.2110% | 218 |
| Equity capital to assets | 7.6159% | 6,345 |
| Core capital (leverage) ratio | 7.6289% | 6,393 |
| Tier 1 risk-based capital ratio | 9.9388% | 6,608 |
| Total risk-based capital ratio | 11.0553% | 6,620 |
| Memoranda: | ||
| Average total assets | $117,007,500 | 4,379 |
| Average earning assets | $108,836,500 | 4,335 |
| Average equity | $8,690,000 | 5,218 |
| Average total loans | $84,840,750 | 3,842 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 1,692 |
| Cost of funding earning assets | 0.3714% | 5,217 |
| Net interest margin | 4.2825% | 1,064 |
| Noninterest income to average assets | 0.8085% | 2,151 |
| Noninterest expense to average assets | 3.5813% | 1,446 |
| Loan and lease loss provision to assets | 0.2043% | 1,859 |
| Net operating income to assets | 1.0077% | 2,298 |
| Return on assets (ROA) | 1.0247% | 2,340 |
| Pretax return on assets | 1.0247% | 3,397 |
| Return on Equity (ROE) | 13.9132% | 1,027 |
| Retained earnings to average equity (ytd only) | 3.7672% | 3,902 |
| Net charge-offs to loans | -0.0808% | 6,438 |
| Credit loss provision to net charge-offs | -352.9412% | 5,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7159% | 2,986 |
| Assets per employee ($millions) | 2.7339% | 6,247 |
| Cash dividends to net income (ytd only)* | 72.9236% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,393 |
| Loan loss allowance to noncurrent loans | 209.6983% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 4,348 |
| Noncurrent loans to loans | 0.5301% | 4,940 |
| Net loans and leases to total assets | 71.9522% | 1,584 |
| Net loans and leases to deposits | 77.6397% | 2,615 |
| Net loans and leases to core deposits | 80.7931% | 2,937 |
| Total domestic deposits to total assets | 92.6744% | 160 |
| Equity capital to assets | 7.1726% | 6,554 |
| Core capital (leverage) ratio | 7.3442% | 6,512 |
| Tier 1 risk-based capital ratio | 9.6531% | 6,702 |
| Total risk-based capital ratio | 10.7314% | 6,707 |
| Memoranda: | ||
| Average total assets | $117,498,670 | 4,403 |
| Average earning assets | $109,327,670 | 4,354 |
| Average equity | $8,653,670 | 5,262 |
| Average total loans | $84,108,330 | 3,874 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7288% | 1,458 |
| Cost of funding earning assets | 0.4133% | 4,978 |
| Net interest margin | 4.3155% | 944 |
| Noninterest income to average assets | 0.8269% | 2,009 |
| Noninterest expense to average assets | 3.6106% | 1,403 |
| Loan and lease loss provision to assets | 0.2067% | 1,797 |
| Net operating income to assets | 1.0026% | 2,213 |
| Return on assets (ROA) | 1.0026% | 2,330 |
| Pretax return on assets | 1.0026% | 3,339 |
| Return on Equity (ROE) | 13.4310% | 1,072 |
| Retained earnings to average equity (ytd only) | 1.8923% | 5,048 |
| Net charge-offs to loans | 0.0049% | 4,068 |
| Credit loss provision to net charge-offs | 6,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 351.0000% | 107 |
| Efficiency ratio | 74.9107% | 3,109 |
| Assets per employee ($millions) | 2.8360% | 6,232 |
| Cash dividends to net income (ytd only)* | 85.9107% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 5,775 |
| Loan loss allowance to noncurrent loans | 250.8571% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 4,732 |
| Noncurrent loans to loans | 0.4206% | 5,367 |
| Net loans and leases to total assets | 69.1327% | 1,817 |
| Net loans and leases to deposits | 74.6909% | 2,821 |
| Net loans and leases to core deposits | 77.7575% | 3,109 |
| Total domestic deposits to total assets | 92.5583% | 169 |
| Equity capital to assets | 7.2922% | 6,645 |
| Core capital (leverage) ratio | 7.3214% | 6,535 |
| Tier 1 risk-based capital ratio | 9.7630% | 6,727 |
| Total risk-based capital ratio | 10.7609% | 6,750 |
| Memoranda: | ||
| Average total assets | $116,102,500 | 4,481 |
| Average earning assets | $107,427,000 | 4,436 |
| Average equity | $8,666,500 | 5,316 |
| Average total loans | $82,400,000 | 3,942 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 3,523 |
| Cost of funding earning assets | 0.4826% | 5,336 |
| Net interest margin | 3.9883% | 2,439 |
| Noninterest income to average assets | 0.8950% | 1,874 |
| Noninterest expense to average assets | 3.7084% | 1,398 |
| Loan and lease loss provision to assets | 0.4340% | 1,469 |
| Net operating income to assets | 0.4445% | 4,904 |
| Return on assets (ROA) | 0.6172% | 4,424 |
| Pretax return on assets | 0.6198% | 4,929 |
| Return on Equity (ROE) | 8.3195% | 2,950 |
| Retained earnings to average equity (ytd only) | 5.0432% | 2,674 |
| Net charge-offs to loans | 0.5163% | 2,179 |
| Credit loss provision to net charge-offs | 131.9261% | 2,121 |
| Earnings coverage of net charge-offs (x) | 2.6781% | 4,089 |
| Efficiency ratio | 80.2724% | 2,109 |
| Assets per employee ($millions) | 2.6300% | 6,509 |
| Cash dividends to net income (ytd only)* | 39.3812% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 5,946 |
| Loan loss allowance to noncurrent loans | 10,237.5000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 5,451 |
| Noncurrent loans to loans | 0.0098% | 6,542 |
| Net loans and leases to total assets | 71.4082% | 1,587 |
| Net loans and leases to deposits | 77.4165% | 2,600 |
| Net loans and leases to core deposits | 79.7033% | 3,049 |
| Total domestic deposits to total assets | 92.2391% | 204 |
| Equity capital to assets | 7.6460% | 6,571 |
| Core capital (leverage) ratio | 7.6082% | 6,442 |
| Tier 1 risk-based capital ratio | 10.0179% | 6,696 |
| Total risk-based capital ratio | 10.9777% | 6,743 |
| Memoranda: | ||
| Average total assets | $115,196,400 | 4,461 |
| Average earning assets | $106,712,000 | 4,423 |
| Average equity | $8,546,200 | 5,352 |
| Average total loans | $73,406,000 | 4,228 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3136% | 4,406 |
| Cost of funding earning assets | 0.4914% | 5,497 |
| Net interest margin | 3.8222% | 3,238 |
| Noninterest income to average assets | 0.8941% | 1,849 |
| Noninterest expense to average assets | 3.6558% | 1,443 |
| Loan and lease loss provision to assets | 0.3514% | 1,854 |
| Net operating income to assets | 0.4431% | 5,066 |
| Return on assets (ROA) | 0.6279% | 4,510 |
| Pretax return on assets | 0.6314% | 5,074 |
| Return on Equity (ROE) | 8.5278% | 3,032 |
| Retained earnings to average equity (ytd only) | 4.1465% | 3,984 |
| Net charge-offs to loans | 0.3793% | 2,580 |
| Credit loss provision to net charge-offs | 150.2463% | 1,875 |
| Earnings coverage of net charge-offs (x) | 3.4039% | 3,659 |
| Efficiency ratio | 81.9617% | 1,813 |
| Assets per employee ($millions) | 2.7096% | 6,476 |
| Cash dividends to net income (ytd only)* | 51.3755% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 6,014 |
| Loan loss allowance to noncurrent loans | 223.4637% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 4,929 |
| Noncurrent loans to loans | 0.4555% | 5,536 |
| Net loans and leases to total assets | 66.7760% | 2,506 |
| Net loans and leases to deposits | 72.2127% | 3,578 |
| Net loans and leases to core deposits | 74.2740% | 3,943 |
| Total domestic deposits to total assets | 92.4712% | 153 |
| Equity capital to assets | 7.3666% | 6,801 |
| Core capital (leverage) ratio | 7.4554% | 6,643 |
| Tier 1 risk-based capital ratio | 10.2558% | 6,737 |
| Total risk-based capital ratio | 11.2372% | 6,780 |
| Memoranda: | ||
| Average total assets | $115,722,500 | 4,490 |
| Average earning assets | $107,719,500 | 4,447 |
| Average equity | $8,521,000 | 5,410 |
| Average total loans | $71,363,500 | 4,349 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 4,693 |
| Cost of funding earning assets | 0.5105% | 5,552 |
| Net interest margin | 3.7580% | 3,551 |
| Noninterest income to average assets | 0.9077% | 1,757 |
| Noninterest expense to average assets | 3.6480% | 1,474 |
| Loan and lease loss provision to assets | 0.1472% | 3,675 |
| Net operating income to assets | 0.6025% | 4,358 |
| Return on assets (ROA) | 0.7483% | 3,890 |
| Pretax return on assets | 0.7535% | 4,633 |
| Return on Equity (ROE) | 10.1643% | 2,290 |
| Retained earnings to average equity (ytd only) | 6.6350% | 2,311 |
| Net charge-offs to loans | 0.5337% | 1,992 |
| Credit loss provision to net charge-offs | 46.1957% | 4,124 |
| Earnings coverage of net charge-offs (x) | 2.3641% | 3,820 |
| Efficiency ratio | 82.7233% | 1,785 |
| Assets per employee ($millions) | 2.5839% | 6,675 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 6,587 |
| Loan loss allowance to noncurrent loans | 2,139.2857% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 5,667 |
| Noncurrent loans to loans | 0.0393% | 6,582 |
| Net loans and leases to total assets | 62.2195% | 3,385 |
| Net loans and leases to deposits | 67.4170% | 4,297 |
| Net loans and leases to core deposits | 69.7971% | 4,548 |
| Total domestic deposits to total assets | 92.2905% | 186 |
| Equity capital to assets | 7.5591% | 6,780 |
| Core capital (leverage) ratio | 7.2604% | 6,739 |
| Tier 1 risk-based capital ratio | 10.3080% | 6,754 |
| Total risk-based capital ratio | 11.0452% | 6,869 |
| Memoranda: | ||
| Average total assets | $115,459,330 | 4,519 |
| Average earning assets | $107,343,330 | 4,477 |
| Average equity | $8,500,330 | 5,416 |
| Average total loans | $68,950,670 | 4,452 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 4,913 |
| Cost of funding earning assets | 0.5150% | 5,720 |
| Net interest margin | 3.7382% | 3,646 |
| Noninterest income to average assets | 0.9042% | 1,729 |
| Noninterest expense to average assets | 3.5000% | 1,764 |
| Loan and lease loss provision to assets | 0.1135% | 3,935 |
| Net operating income to assets | 0.7598% | 3,574 |
| Return on assets (ROA) | 0.7908% | 3,663 |
| Pretax return on assets | 0.7908% | 4,446 |
| Return on Equity (ROE) | 10.8831% | 2,067 |
| Retained earnings to average equity (ytd only) | 6.1513% | 2,867 |
| Net charge-offs to loans | 0.1122% | 3,450 |
| Credit loss provision to net charge-offs | 173.6842% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.3684% | 1,543 |
| Efficiency ratio | 79.8742% | 2,221 |
| Assets per employee ($millions) | 2.8688% | 6,407 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 6,137 |
| Loan loss allowance to noncurrent loans | 217.7370% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.9893% | 4,524 |
| Noncurrent loans to loans | 0.4749% | 5,723 |
| Net loans and leases to total assets | 56.5615% | 4,281 |
| Net loans and leases to deposits | 60.9705% | 5,049 |
| Net loans and leases to core deposits | 62.9856% | 5,221 |
| Total domestic deposits to total assets | 92.7687% | 158 |
| Equity capital to assets | 7.0761% | 6,914 |
| Core capital (leverage) ratio | 6.9485% | 6,859 |
| Tier 1 risk-based capital ratio | 10.5547% | 6,719 |
| Total risk-based capital ratio | 11.4687% | 6,823 |
| Memoranda: | ||
| Average total assets | $116,343,500 | 4,532 |
| Average earning assets | $107,965,500 | 4,486 |
| Average equity | $8,453,500 | 5,448 |
| Average total loans | $67,757,500 | 4,526 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 5,335 |
| Cost of funding earning assets | 0.7528% | 5,191 |
| Net interest margin | 3.6699% | 4,429 |
| Noninterest income to average assets | 1.0166% | 1,320 |
| Noninterest expense to average assets | 3.8633% | 1,234 |
| Loan and lease loss provision to assets | 0.0557% | 5,901 |
| Net operating income to assets | 0.4770% | 4,517 |
| Return on assets (ROA) | 0.5144% | 4,570 |
| Pretax return on assets | 0.5220% | 4,925 |
| Return on Equity (ROE) | 6.7044% | 3,534 |
| Retained earnings to average equity (ytd only) | 5.4742% | 2,318 |
| Net charge-offs to loans | 0.1178% | 5,206 |
| Credit loss provision to net charge-offs | 79.7297% | 4,465 |
| Earnings coverage of net charge-offs (x) | 7.7297% | 2,280 |
| Efficiency ratio | 87.5670% | 1,392 |
| Assets per employee ($millions) | 2.7365% | 6,552 |
| Cash dividends to net income (ytd only)* | 18.3486% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 6,007 |
| Loan loss allowance to noncurrent loans | 1,789.7436% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.8057% | 5,018 |
| Noncurrent loans to loans | 0.0585% | 6,669 |
| Net loans and leases to total assets | 58.7841% | 4,231 |
| Net loans and leases to deposits | 63.6161% | 5,058 |
| Net loans and leases to core deposits | 65.2997% | 5,338 |
| Total domestic deposits to total assets | 92.4044% | 189 |
| Equity capital to assets | 7.4699% | 6,823 |
| Core capital (leverage) ratio | 7.3454% | 6,728 |
| Tier 1 risk-based capital ratio | 10.3413% | 6,759 |
| Total risk-based capital ratio | 11.2335% | 6,856 |
| Memoranda: | ||
| Average total assets | $105,944,400 | 4,734 |
| Average earning assets | $97,768,400 | 4,693 |
| Average equity | $8,129,000 | 5,533 |
| Average total loans | $62,808,800 | 4,758 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 5,436 |
| Cost of funding earning assets | 0.8141% | 5,061 |
| Net interest margin | 3.6339% | 4,643 |
| Noninterest income to average assets | 1.0219% | 1,291 |
| Noninterest expense to average assets | 3.8869% | 1,175 |
| Loan and lease loss provision to assets | 0.0358% | 5,991 |
| Net operating income to assets | 0.4476% | 4,790 |
| Return on assets (ROA) | 0.4739% | 4,856 |
| Pretax return on assets | 0.4841% | 5,213 |
| Return on Equity (ROE) | 6.1325% | 3,962 |
| Retained earnings to average equity (ytd only) | 5.3061% | 2,992 |
| Net charge-offs to loans | 0.1552% | 4,527 |
| Credit loss provision to net charge-offs | 38.8889% | 5,275 |
| Earnings coverage of net charge-offs (x) | 5.3609% | 2,808 |
| Efficiency ratio | 88.5681% | 1,287 |
| Assets per employee ($millions) | 2.6600% | 6,712 |
| Cash dividends to net income (ytd only)* | 13.4782% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 6,116 |
| Loan loss allowance to noncurrent loans | 942.2535% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 5,038 |
| Noncurrent loans to loans | 0.1095% | 6,655 |
| Net loans and leases to total assets | 58.8370% | 4,349 |
| Net loans and leases to deposits | 63.8255% | 5,191 |
| Net loans and leases to core deposits | 65.7375% | 5,440 |
| Total domestic deposits to total assets | 92.1840% | 188 |
| Equity capital to assets | 7.6482% | 6,867 |
| Core capital (leverage) ratio | 7.5432% | 6,741 |
| Tier 1 risk-based capital ratio | 10.4816% | 6,785 |
| Total risk-based capital ratio | 11.3623% | 6,914 |
| Memoranda: | ||
| Average total assets | $104,381,250 | 4,805 |
| Average earning assets | $96,459,250 | 4,761 |
| Average equity | $8,066,000 | 5,576 |
| Average total loans | $61,848,000 | 4,835 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4533% | 5,514 |
| Cost of funding earning assets | 0.8489% | 5,069 |
| Net interest margin | 3.6043% | 4,706 |
| Noninterest income to average assets | 1.0037% | 1,303 |
| Noninterest expense to average assets | 3.9486% | 1,122 |
| Loan and lease loss provision to assets | 0.0117% | 6,127 |
| Net operating income to assets | 0.3566% | 5,149 |
| Return on assets (ROA) | 0.3715% | 5,220 |
| Pretax return on assets | 0.3871% | 5,433 |
| Return on Equity (ROE) | 4.7904% | 4,551 |
| Retained earnings to average equity (ytd only) | 3.5363% | 3,995 |
| Net charge-offs to loans | 0.2366% | 3,704 |
| Credit loss provision to net charge-offs | 8.3333% | 5,268 |
| Earnings coverage of net charge-offs (x) | 2.7361% | 3,474 |
| Efficiency ratio | 90.9744% | 1,167 |
| Assets per employee ($millions) | 2.5206% | 6,888 |
| Cash dividends to net income (ytd only)* | 26.1780% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 6,267 |
| Loan loss allowance to noncurrent loans | 4,043.7500% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.8515% | 5,170 |
| Noncurrent loans to loans | 0.0251% | 6,929 |
| Net loans and leases to total assets | 61.0034% | 4,086 |
| Net loans and leases to deposits | 66.3049% | 4,954 |
| Net loans and leases to core deposits | 68.0446% | 5,286 |
| Total domestic deposits to total assets | 92.0045% | 230 |
| Equity capital to assets | 7.8620% | 6,763 |
| Core capital (leverage) ratio | 7.4122% | 6,801 |
| Tier 1 risk-based capital ratio | 10.5445% | 6,776 |
| Total risk-based capital ratio | 11.4213% | 6,914 |
| Memoranda: | ||
| Average total assets | $102,822,000 | 4,884 |
| Average earning assets | $94,941,000 | 4,849 |
| Average equity | $7,974,330 | 5,621 |
| Average total loans | $60,852,000 | 4,919 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 5,959 |
| Cost of funding earning assets | 0.8638% | 5,180 |
| Net interest margin | 3.4550% | 5,204 |
| Noninterest income to average assets | 0.9516% | 1,462 |
| Noninterest expense to average assets | 3.9937% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1301% | 6,012 |
| Return on assets (ROA) | 0.1560% | 5,979 |
| Pretax return on assets | 0.1872% | 5,971 |
| Return on Equity (ROE) | 2.0256% | 5,776 |
| Retained earnings to average equity (ytd only) | -0.5064% | 5,885 |
| Net charge-offs to loans | 0.4509% | 2,347 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.5970% | 4,180 |
| Efficiency ratio | 96.0526% | 918 |
| Assets per employee ($millions) | 2.5520% | 6,909 |
| Cash dividends to net income (ytd only)* | 125.0000% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 6,161 |
| Loan loss allowance to noncurrent loans | 86.3636% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.5865% | 3,868 |
| Noncurrent loans to loans | 1.2387% | 4,617 |
| Net loans and leases to total assets | 57.0963% | 4,786 |
| Net loans and leases to deposits | 62.4814% | 5,443 |
| Net loans and leases to core deposits | 64.1094% | 5,713 |
| Total domestic deposits to total assets | 91.3812% | 452 |
| Equity capital to assets | 7.5551% | 6,839 |
| Core capital (leverage) ratio | 6.7623% | 7,094 |
| Tier 1 risk-based capital ratio | 11.0228% | 6,497 |
| Total risk-based capital ratio | 11.9563% | 6,675 |
| Memoranda: | ||
| Average total assets | $102,560,500 | 4,928 |
| Average earning assets | $94,934,000 | 4,887 |
| Average equity | $7,899,000 | 5,643 |
| Average total loans | $59,432,500 | 5,027 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9425% | 4,822 |
| Cost of funding earning assets | 0.9372% | 5,998 |
| Net interest margin | 4.0053% | 3,002 |
| Noninterest income to average assets | 1.1524% | 1,113 |
| Noninterest expense to average assets | 4.2232% | 882 |
| Loan and lease loss provision to assets | 0.2638% | 4,684 |
| Net operating income to assets | 0.3914% | 4,581 |
| Return on assets (ROA) | 0.3914% | 4,729 |
| Pretax return on assets | 0.3245% | 5,165 |
| Return on Equity (ROE) | 4.8056% | 4,159 |
| Retained earnings to average equity (ytd only) | 2.8782% | 3,838 |
| Net charge-offs to loans | 0.0361% | 6,443 |
| Credit loss provision to net charge-offs | 1,200.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 26.7619% | 810 |
| Efficiency ratio | 87.6006% | 1,512 |
| Assets per employee ($millions) | 2.4510% | 7,075 |
| Cash dividends to net income (ytd only)* | 40.1070% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 5,419 |
| Loan loss allowance to noncurrent loans | 56.4976% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.2142% | 3,077 |
| Noncurrent loans to loans | 2.1581% | 3,360 |
| Net loans and leases to total assets | 57.4839% | 5,115 |
| Net loans and leases to deposits | 63.1788% | 5,724 |
| Net loans and leases to core deposits | 64.8987% | 5,988 |
| Total domestic deposits to total assets | 90.9861% | 604 |
| Equity capital to assets | 7.8546% | 6,634 |
| Core capital (leverage) ratio | 7.9526% | 6,265 |
| Tier 1 risk-based capital ratio | 11.2249% | 6,161 |
| Total risk-based capital ratio | 12.2729% | 6,282 |
| Memoranda: | ||
| Average total assets | $95,543,000 | 5,112 |
| Average earning assets | $87,283,600 | 5,106 |
| Average equity | $7,782,600 | 5,782 |
| Average total loans | $58,161,800 | 5,147 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0396% | 4,625 |
| Cost of funding earning assets | 0.9521% | 6,166 |
| Net interest margin | 4.0875% | 2,683 |
| Noninterest income to average assets | 1.1593% | 1,040 |
| Noninterest expense to average assets | 4.3092% | 736 |
| Loan and lease loss provision to assets | 0.2785% | 4,351 |
| Net operating income to assets | 0.3492% | 4,977 |
| Return on assets (ROA) | 0.3492% | 5,146 |
| Pretax return on assets | 0.2983% | 5,515 |
| Return on Equity (ROE) | 4.2467% | 4,663 |
| Retained earnings to average equity (ytd only) | 2.5274% | 4,653 |
| Net charge-offs to loans | 0.0161% | 6,453 |
| Credit loss provision to net charge-offs | 2,814.2857% | 104 |
| Earnings coverage of net charge-offs (x) | 58.3055% | 497 |
| Efficiency ratio | 88.0208% | 1,446 |
| Assets per employee ($millions) | 2.2735% | 7,328 |
| Cash dividends to net income (ytd only)* | 40.4852% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 5,842 |
| Loan loss allowance to noncurrent loans | 78.6885% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.5320% | 4,151 |
| Noncurrent loans to loans | 1.4270% | 4,474 |
| Net loans and leases to total assets | 63.4826% | 4,223 |
| Net loans and leases to deposits | 70.4780% | 5,078 |
| Net loans and leases to core deposits | 72.3469% | 5,473 |
| Total domestic deposits to total assets | 90.0743% | 840 |
| Equity capital to assets | 8.4666% | 6,317 |
| Core capital (leverage) ratio | 7.9945% | 6,352 |
| Tier 1 risk-based capital ratio | 11.3208% | 6,082 |
| Total risk-based capital ratio | 12.3275% | 6,300 |
| Memoranda: | ||
| Average total assets | $94,306,500 | 5,214 |
| Average earning assets | $85,983,750 | 5,208 |
| Average equity | $7,755,000 | 5,871 |
| Average total loans | $58,082,750 | 5,230 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0446% | 4,728 |
| Cost of funding earning assets | 0.9485% | 6,384 |
| Net interest margin | 4.0961% | 2,578 |
| Noninterest income to average assets | 1.1894% | 913 |
| Noninterest expense to average assets | 4.1871% | 823 |
| Loan and lease loss provision to assets | 0.2472% | 4,454 |
| Net operating income to assets | 0.4774% | 4,425 |
| Return on assets (ROA) | 0.4774% | 4,580 |
| Pretax return on assets | 0.4774% | 4,970 |
| Return on Equity (ROE) | 5.8630% | 3,867 |
| Retained earnings to average equity (ytd only) | 3.2688% | 4,020 |
| Net charge-offs to loans | 0.0209% | 6,048 |
| Credit loss provision to net charge-offs | 1,950.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 57.1667% | 533 |
| Efficiency ratio | 85.0753% | 1,810 |
| Assets per employee ($millions) | 2.2509% | 7,395 |
| Cash dividends to net income (ytd only)* | 44.2478% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 6,451 |
| Loan loss allowance to noncurrent loans | 144.9878% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 1.3286% | 4,496 |
| Noncurrent loans to loans | 0.6825% | 5,884 |
| Net loans and leases to total assets | 62.7656% | 4,525 |
| Net loans and leases to deposits | 69.4613% | 5,357 |
| Net loans and leases to core deposits | 71.5674% | 5,720 |
| Total domestic deposits to total assets | 90.3606% | 740 |
| Equity capital to assets | 8.2262% | 6,507 |
| Core capital (leverage) ratio | 7.9027% | 6,381 |
| Tier 1 risk-based capital ratio | 11.0874% | 6,145 |
| Total risk-based capital ratio | 11.9599% | 6,506 |
| Memoranda: | ||
| Average total assets | $94,671,000 | 5,229 |
| Average earning assets | $86,033,000 | 5,234 |
| Average equity | $7,709,330 | 5,898 |
| Average total loans | $57,495,000 | 5,292 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 5,068 |
| Cost of funding earning assets | 0.9363% | 6,631 |
| Net interest margin | 4.0526% | 2,638 |
| Noninterest income to average assets | 1.2033% | 839 |
| Noninterest expense to average assets | 4.2011% | 806 |
| Loan and lease loss provision to assets | 0.1478% | 5,067 |
| Net operating income to assets | 0.5278% | 4,246 |
| Return on assets (ROA) | 0.5278% | 4,385 |
| Pretax return on assets | 0.5278% | 4,863 |
| Return on Equity (ROE) | 6.5142% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.5142% | 2,357 |
| Net charge-offs to loans | 0.0498% | 4,908 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 22.8571% | 1,073 |
| Efficiency ratio | 85.9740% | 1,800 |
| Assets per employee ($millions) | 2.3345% | 7,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 6,908 |
| Loan loss allowance to noncurrent loans | 8,500.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.8860% | 5,385 |
| Noncurrent loans to loans | 0.0103% | 7,392 |
| Net loans and leases to total assets | 60.2553% | 5,080 |
| Net loans and leases to deposits | 66.5114% | 5,766 |
| Net loans and leases to core deposits | 68.9048% | 6,014 |
| Total domestic deposits to total assets | 90.5940% | 694 |
| Equity capital to assets | 8.0749% | 6,574 |
| Core capital (leverage) ratio | 7.5353% | 6,820 |
| Tier 1 risk-based capital ratio | 10.9692% | 6,191 |
| Total risk-based capital ratio | 11.7119% | 6,662 |
| Memoranda: | ||
| Average total assets | $94,737,000 | 5,292 |
| Average earning assets | $85,870,500 | 5,307 |
| Average equity | $7,675,500 | 5,952 |
| Average total loans | $56,277,000 | 5,410 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4159% | 4,617 |
| Cost of funding earning assets | 1.1309% | 6,878 |
| Net interest margin | 4.2849% | 1,764 |
| Noninterest income to average assets | 1.4088% | 735 |
| Noninterest expense to average assets | 4.2341% | 1,052 |
| Loan and lease loss provision to assets | 0.1334% | 6,305 |
| Net operating income to assets | 0.6134% | 3,282 |
| Return on assets (ROA) | 0.6989% | 3,007 |
| Pretax return on assets | 1.0336% | 2,484 |
| Return on Equity (ROE) | 8.4834% | 2,204 |
| Retained earnings to average equity (ytd only) | 5.8547% | 1,408 |
| Net charge-offs to loans | 0.0879% | 6,242 |
| Credit loss provision to net charge-offs | 254.1667% | 1,386 |
| Earnings coverage of net charge-offs (x) | 19.8333% | 1,065 |
| Efficiency ratio | 80.0954% | 2,878 |
| Assets per employee ($millions) | 2.2868% | 7,486 |
| Cash dividends to net income (ytd only)* | 30.9859% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 6,873 |
| Loan loss allowance to noncurrent loans | 3,442.8571% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.8362% | 5,429 |
| Noncurrent loans to loans | 0.0257% | 7,374 |
| Net loans and leases to total assets | 57.4756% | 5,743 |
| Net loans and leases to deposits | 63.9393% | 6,268 |
| Net loans and leases to core deposits | 70.1055% | 6,765 |
| Total domestic deposits to total assets | 89.8910% | 1,018 |
| Equity capital to assets | 8.1294% | 6,430 |
| Core capital (leverage) ratio | 8.1927% | 5,822 |
| Tier 1 risk-based capital ratio | 11.5296% | 5,369 |
| Total risk-based capital ratio | 12.2801% | 5,858 |
| Memoranda: | ||
| Average total assets | $91,424,800 | 5,352 |
| Average earning assets | $82,498,400 | 5,380 |
| Average equity | $7,532,400 | 6,075 |
| Average total loans | $54,619,600 | 5,480 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 4,363 |
| Cost of funding earning assets | 1.1813% | 6,939 |
| Net interest margin | 4.3294% | 1,645 |
| Noninterest income to average assets | 1.3811% | 789 |
| Noninterest expense to average assets | 4.2446% | 984 |
| Loan and lease loss provision to assets | 0.1350% | 6,012 |
| Net operating income to assets | 0.6265% | 3,509 |
| Return on assets (ROA) | 0.6385% | 3,525 |
| Pretax return on assets | 0.9349% | 3,115 |
| Return on Equity (ROE) | 7.7229% | 2,761 |
| Retained earnings to average equity (ytd only) | 7.7229% | 1,225 |
| Net charge-offs to loans | 0.1146% | 5,533 |
| Credit loss provision to net charge-offs | 195.7447% | 2,298 |
| Earnings coverage of net charge-offs (x) | 15.2542% | 1,545 |
| Efficiency ratio | 79.9667% | 2,848 |
| Assets per employee ($millions) | 2.1737% | 7,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 7,089 |
| Loan loss allowance to noncurrent loans | 5,662.5000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 5,379 |
| Noncurrent loans to loans | 0.0143% | 7,493 |
| Net loans and leases to total assets | 62.3698% | 5,182 |
| Net loans and leases to deposits | 69.8116% | 5,941 |
| Net loans and leases to core deposits | 76.7671% | 6,571 |
| Total domestic deposits to total assets | 89.3402% | 1,043 |
| Equity capital to assets | 8.7006% | 5,950 |
| Core capital (leverage) ratio | 8.1779% | 6,057 |
| Tier 1 risk-based capital ratio | 12.2810% | 4,725 |
| Total risk-based capital ratio | 13.0325% | 5,113 |
| Memoranda: | ||
| Average total assets | $90,841,500 | 5,396 |
| Average earning assets | $82,164,250 | 5,415 |
| Average equity | $7,510,000 | 6,141 |
| Average total loans | $54,682,000 | 5,532 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4344% | 4,974 |
| Cost of funding earning assets | 1.2273% | 7,029 |
| Net interest margin | 4.2071% | 1,973 |
| Noninterest income to average assets | 1.4024% | 770 |
| Noninterest expense to average assets | 4.2422% | 1,020 |
| Loan and lease loss provision to assets | 0.1356% | 5,719 |
| Net operating income to assets | 0.4470% | 4,303 |
| Return on assets (ROA) | 0.4638% | 4,352 |
| Pretax return on assets | 0.8532% | 3,495 |
| Return on Equity (ROE) | 5.7076% | 3,782 |
| Retained earnings to average equity (ytd only) | 5.7076% | 2,158 |
| Net charge-offs to loans | 0.0553% | 5,718 |
| Credit loss provision to net charge-offs | 413.3333% | 1,120 |
| Earnings coverage of net charge-offs (x) | 29.3333% | 1,012 |
| Efficiency ratio | 81.3367% | 2,835 |
| Assets per employee ($millions) | 2.2613% | 7,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8189% | 7,091 |
| Loan loss allowance to noncurrent loans | 1,109.7561% | 318 |
| Noncurrent assets plus other real estate owned to assets | 1.2663% | 4,408 |
| Noncurrent loans to loans | 0.0738% | 7,338 |
| Net loans and leases to total assets | 59.4398% | 5,774 |
| Net loans and leases to deposits | 66.0249% | 6,391 |
| Net loans and leases to core deposits | 74.2789% | 6,773 |
| Total domestic deposits to total assets | 90.0263% | 821 |
| Equity capital to assets | 8.0948% | 6,639 |
| Core capital (leverage) ratio | 7.6506% | 6,824 |
| Tier 1 risk-based capital ratio | 11.5530% | 5,332 |
| Total risk-based capital ratio | 12.2853% | 5,761 |
| Memoranda: | ||
| Average total assets | $91,415,330 | 5,425 |
| Average earning assets | $82,622,330 | 5,449 |
| Average equity | $7,428,670 | 6,207 |
| Average total loans | $54,230,330 | 5,591 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5487% | 4,645 |
| Cost of funding earning assets | 1.2793% | 7,084 |
| Net interest margin | 4.2694% | 1,676 |
| Noninterest income to average assets | 1.4675% | 652 |
| Noninterest expense to average assets | 4.1293% | 1,030 |
| Loan and lease loss provision to assets | 0.1322% | 5,269 |
| Net operating income to assets | 0.4818% | 4,506 |
| Return on assets (ROA) | 0.5156% | 4,544 |
| Pretax return on assets | 1.0973% | 2,995 |
| Return on Equity (ROE) | 6.3325% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.3325% | 2,479 |
| Net charge-offs to loans | 0.0149% | 5,379 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 133.5000% | 324 |
| Efficiency ratio | 77.6578% | 3,227 |
| Assets per employee ($millions) | 2.3136% | 7,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 7,194 |
| Loan loss allowance to noncurrent loans | 4,844.4444% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 5,207 |
| Noncurrent loans to loans | 0.0163% | 7,519 |
| Net loans and leases to total assets | 57.7773% | 5,977 |
| Net loans and leases to deposits | 63.8895% | 6,570 |
| Net loans and leases to core deposits | 73.7109% | 6,817 |
| Total domestic deposits to total assets | 90.4332% | 623 |
| Equity capital to assets | 7.8401% | 7,020 |
| Core capital (leverage) ratio | 7.5622% | 7,075 |
| Tier 1 risk-based capital ratio | 11.5973% | 5,310 |
| Total risk-based capital ratio | 12.3113% | 5,756 |
| Memoranda: | ||
| Average total assets | $90,766,000 | 5,460 |
| Average earning assets | $81,604,000 | 5,500 |
| Average equity | $7,390,500 | 6,260 |
| Average total loans | $53,563,500 | 5,654 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9838% | 5,624 |
| Cost of funding earning assets | 1.7161% | 7,223 |
| Net interest margin | 4.2676% | 2,075 |
| Noninterest income to average assets | 1.3971% | 737 |
| Noninterest expense to average assets | 4.2615% | 1,087 |
| Loan and lease loss provision to assets | 0.5062% | 2,785 |
| Net operating income to assets | 0.3008% | 5,537 |
| Return on assets (ROA) | 0.3049% | 5,344 |
| Pretax return on assets | 0.4443% | 5,140 |
| Return on Equity (ROE) | 3.5786% | 5,003 |
| Retained earnings to average equity (ytd only) | 0.7968% | 4,743 |
| Net charge-offs to loans | 1.2023% | 1,005 |
| Credit loss provision to net charge-offs | 75.3546% | 5,987 |
| Earnings coverage of net charge-offs (x) | 1.4060% | 5,420 |
| Efficiency ratio | 81.6747% | 2,346 |
| Assets per employee ($millions) | 2.2224% | 7,671 |
| Cash dividends to net income (ytd only)* | 77.7344% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7864% | 7,157 |
| Loan loss allowance to noncurrent loans | 4,080.0000% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 4,617 |
| Noncurrent loans to loans | 0.0193% | 7,444 |
| Net loans and leases to total assets | 59.3910% | 5,999 |
| Net loans and leases to deposits | 65.4961% | 6,678 |
| Net loans and leases to core deposits | 69.9754% | 7,189 |
| Total domestic deposits to total assets | 90.6788% | 432 |
| Equity capital to assets | 8.4732% | 6,132 |
| Core capital (leverage) ratio | 8.4105% | 5,739 |
| Tier 1 risk-based capital ratio | 11.9559% | 4,856 |
| Total risk-based capital ratio | 12.6565% | 5,231 |
| Memoranda: | ||
| Average total assets | $83,961,000 | 5,565 |
| Average earning assets | $74,936,000 | 5,627 |
| Average equity | $7,153,600 | 6,404 |
| Average total loans | $46,911,600 | 5,827 |