Home > Bath State Bank > Performance and Condition Ratios
Bath State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 2,610 |
| Cost of funding earning assets | 2.4157% | 444 |
| Net interest margin | 2.3173% | 4,248 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.0380% | 3,535 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4937% | 3,682 |
| Return on assets (ROA) | 0.4937% | 3,683 |
| Pretax return on assets | 0.4937% | 3,825 |
| Return on Equity (ROE) | 15.1900% | 1,251 |
| Retained earnings to average equity (ytd only) | 4.6629% | 2,728 |
| Net charge-offs to loans | 0.0028% | 2,686 |
| Credit loss provision to net charge-offs | 1,333.3333% | 320 |
| Earnings coverage of net charge-offs (x) | 253.8333% | 492 |
| Efficiency ratio | 79.6390% | 938 |
| Assets per employee ($millions) | 7.9229% | 1,478 |
| Cash dividends to net income (ytd only)* | 69.3001% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 3,183 |
| Loan loss allowance to noncurrent loans | 3,279.7297% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 3,553 |
| Noncurrent loans to loans | 0.0313% | 3,512 |
| Net loans and leases to total assets | 73.8200% | 1,385 |
| Net loans and leases to deposits | 85.6106% | 1,639 |
| Net loans and leases to core deposits | 102.7014% | 1,295 |
| Total domestic deposits to total assets | 86.2300% | 1,940 |
| Equity capital to assets | 3.5842% | 4,521 |
| Core capital (leverage) ratio | 8.0218% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6197% | 2,681 |
| Memoranda: | ||
| Average total assets | $292,299,000 | 2,457 |
| Average earning assets | $275,452,200 | 2,433 |
| Average equity | $9,500,600 | 3,771 |
| Average total loans | $211,917,200 | 2,214 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6491% | 2,570 |
| Cost of funding earning assets | 2.2827% | 423 |
| Net interest margin | 2.3664% | 4,267 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.0814% | 3,395 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.4953% | 3,775 |
| Return on assets (ROA) | 0.4953% | 3,775 |
| Pretax return on assets | 0.4953% | 3,910 |
| Return on Equity (ROE) | 15.6900% | 1,309 |
| Retained earnings to average equity (ytd only) | 2.9806% | 3,519 |
| Net charge-offs to loans | 0.0019% | 2,505 |
| Credit loss provision to net charge-offs | 2,666.6667% | 178 |
| Earnings coverage of net charge-offs (x) | 381.0000% | 376 |
| Efficiency ratio | 79.6257% | 881 |
| Assets per employee ($millions) | 7.4676% | 1,653 |
| Cash dividends to net income (ytd only)* | 80.9972% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 2,722 |
| Loan loss allowance to noncurrent loans | 2,406.9307% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 3,458 |
| Noncurrent loans to loans | 0.0470% | 3,417 |
| Net loans and leases to total assets | 72.9600% | 1,470 |
| Net loans and leases to deposits | 80.0316% | 2,047 |
| Net loans and leases to core deposits | 92.1609% | 1,785 |
| Total domestic deposits to total assets | 91.1600% | 632 |
| Equity capital to assets | 2.2233% | 4,536 |
| Core capital (leverage) ratio | 7.9922% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4228% | 2,745 |
| Memoranda: | ||
| Average total assets | $286,144,500 | 2,494 |
| Average earning assets | $269,208,500 | 2,469 |
| Average equity | $9,036,000 | 3,820 |
| Average total loans | $205,799,750 | 2,248 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 2,611 |
| Cost of funding earning assets | 2.1355% | 385 |
| Net interest margin | 2.3778% | 4,318 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.0883% | 3,379 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.4880% | 3,830 |
| Return on assets (ROA) | 0.4880% | 3,839 |
| Pretax return on assets | 0.4880% | 3,987 |
| Return on Equity (ROE) | 14.0300% | 1,677 |
| Retained earnings to average equity (ytd only) | 2.8515% | 3,521 |
| Net charge-offs to loans | -0.0020% | 3,532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.7530% | 858 |
| Assets per employee ($millions) | 7.1225% | 1,831 |
| Cash dividends to net income (ytd only)* | 79.6830% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,528 |
| Loan loss allowance to noncurrent loans | 2,322.1154% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,418 |
| Noncurrent loans to loans | 0.0509% | 3,348 |
| Net loans and leases to total assets | 70.8500% | 1,654 |
| Net loans and leases to deposits | 78.0268% | 2,129 |
| Net loans and leases to core deposits | 87.8988% | 1,934 |
| Total domestic deposits to total assets | 90.8000% | 703 |
| Equity capital to assets | 3.3535% | 4,552 |
| Core capital (leverage) ratio | 8.1564% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7591% | 2,693 |
| Memoranda: | ||
| Average total assets | $284,447,000 | 2,504 |
| Average earning assets | $267,474,333 | 2,488 |
| Average equity | $9,889,667 | 3,758 |
| Average total loans | $202,760,333 | 2,270 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,821 |
| Cost of funding earning assets | 1.9113% | 354 |
| Net interest margin | 2.3798% | 4,396 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.1786% | 3,151 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.3772% | 4,123 |
| Return on assets (ROA) | 0.3772% | 4,074 |
| Pretax return on assets | 0.3772% | 4,161 |
| Return on Equity (ROE) | 10.6600% | 2,589 |
| Retained earnings to average equity (ytd only) | -0.0795% | 4,047 |
| Net charge-offs to loans | -0.0099% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.8570% | 597 |
| Assets per employee ($millions) | 6.7217% | 2,179 |
| Cash dividends to net income (ytd only)* | 100.7463% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 2,543 |
| Loan loss allowance to noncurrent loans | 5,306.6667% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,673 |
| Noncurrent loans to loans | 0.0226% | 3,609 |
| Net loans and leases to total assets | 69.5600% | 1,667 |
| Net loans and leases to deposits | 78.1794% | 1,952 |
| Net loans and leases to core deposits | 87.6650% | 1,766 |
| Total domestic deposits to total assets | 88.9700% | 1,554 |
| Equity capital to assets | 3.7813% | 4,556 |
| Core capital (leverage) ratio | 8.1940% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1923% | 2,663 |
| Memoranda: | ||
| Average total assets | $284,221,500 | 2,536 |
| Average earning assets | $267,254,500 | 2,519 |
| Average equity | $10,057,500 | 3,782 |
| Average total loans | $202,008,500 | 2,292 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 2,014 |
| Cost of funding earning assets | 0.7429% | 488 |
| Net interest margin | 3.1445% | 3,041 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.3666% | 2,528 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9803% | 2,638 |
| Return on assets (ROA) | 0.9803% | 2,587 |
| Pretax return on assets | 0.9803% | 3,130 |
| Return on Equity (ROE) | 19.2700% | 542 |
| Retained earnings to average equity (ytd only) | 11.7351% | 729 |
| Net charge-offs to loans | -0.0122% | 3,892 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.2261% | 1,649 |
| Assets per employee ($millions) | 6.8126% | 2,107 |
| Cash dividends to net income (ytd only)* | 39.1048% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 2,666 |
| Loan loss allowance to noncurrent loans | 2,768.2353% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,515 |
| Noncurrent loans to loans | 0.0414% | 3,472 |
| Net loans and leases to total assets | 70.9100% | 1,533 |
| Net loans and leases to deposits | 85.9900% | 1,314 |
| Net loans and leases to core deposits | 93.2666% | 1,330 |
| Total domestic deposits to total assets | 82.4700% | 3,537 |
| Equity capital to assets | 3.2992% | 4,580 |
| Core capital (leverage) ratio | 8.5609% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6542% | 2,825 |
| Memoranda: | ||
| Average total assets | $259,823,400 | 2,671 |
| Average earning assets | $242,420,000 | 2,659 |
| Average equity | $13,216,800 | 3,555 |
| Average total loans | $172,718,600 | 2,430 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 1,701 |
| Cost of funding earning assets | 0.5436% | 598 |
| Net interest margin | 3.2735% | 2,379 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.4866% | 2,052 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0087% | 2,452 |
| Return on assets (ROA) | 1.0087% | 2,417 |
| Pretax return on assets | 1.0087% | 2,990 |
| Return on Equity (ROE) | 18.0400% | 636 |
| Retained earnings to average equity (ytd only) | 11.0347% | 1,047 |
| Net charge-offs to loans | -0.0146% | 3,867 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.8202% | 1,665 |
| Assets per employee ($millions) | 6.1487% | 2,628 |
| Cash dividends to net income (ytd only)* | 38.8309% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 2,047 |
| Loan loss allowance to noncurrent loans | 2,729.4118% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 3,591 |
| Noncurrent loans to loans | 0.0475% | 3,538 |
| Net loans and leases to total assets | 68.4500% | 1,624 |
| Net loans and leases to deposits | 73.8268% | 2,070 |
| Net loans and leases to core deposits | 78.4186% | 2,008 |
| Total domestic deposits to total assets | 92.7100% | 663 |
| Equity capital to assets | 2.9894% | 4,591 |
| Core capital (leverage) ratio | 8.8404% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8695% | 2,529 |
| Memoranda: | ||
| Average total assets | $253,246,750 | 2,731 |
| Average earning assets | $235,460,000 | 2,720 |
| Average equity | $14,161,000 | 3,490 |
| Average total loans | $164,582,750 | 2,501 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 1,616 |
| Cost of funding earning assets | 0.4725% | 614 |
| Net interest margin | 3.1991% | 2,191 |
| Noninterest income to average assets | 0.4905% | 2,256 |
| Noninterest expense to average assets | 2.3563% | 2,382 |
| Loan and lease loss provision to assets | 0.0238% | 2,170 |
| Net operating income to assets | 1.0708% | 1,891 |
| Return on assets (ROA) | 1.0708% | 1,868 |
| Pretax return on assets | 1.0708% | 2,507 |
| Return on Equity (ROE) | 16.5195% | 635 |
| Retained earnings to average equity (ytd only) | 10.8536% | 810 |
| Net charge-offs to loans | -0.0200% | 3,874 |
| Credit loss provision to net charge-offs | -187.5000% | 3,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2792% | 2,199 |
| Assets per employee ($millions) | 6.1420% | 2,621 |
| Cash dividends to net income (ytd only)* | 34.2984% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 1,804 |
| Loan loss allowance to noncurrent loans | 2,826.8293% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,659 |
| Noncurrent loans to loans | 0.0491% | 3,582 |
| Net loans and leases to total assets | 63.8912% | 1,924 |
| Net loans and leases to deposits | 68.5795% | 2,339 |
| Net loans and leases to core deposits | 71.9704% | 2,338 |
| Total domestic deposits to total assets | 93.1637% | 474 |
| Equity capital to assets | 4.2770% | 4,592 |
| Core capital (leverage) ratio | 8.5658% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4166% | 1,894 |
| Memoranda: | ||
| Average total assets | $251,580,333 | 2,764 |
| Average earning assets | $232,815,667 | 2,772 |
| Average equity | $16,308,000 | 3,380 |
| Average total loans | $159,748,667 | 2,550 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 1,541 |
| Cost of funding earning assets | 0.4820% | 545 |
| Net interest margin | 3.1045% | 2,164 |
| Noninterest income to average assets | 0.5459% | 1,923 |
| Noninterest expense to average assets | 2.3946% | 2,189 |
| Loan and lease loss provision to assets | 0.0483% | 1,502 |
| Net operating income to assets | 0.9759% | 1,982 |
| Return on assets (ROA) | 0.9759% | 1,976 |
| Pretax return on assets | 0.9759% | 2,516 |
| Return on Equity (ROE) | 12.7946% | 1,088 |
| Retained earnings to average equity (ytd only) | 7.9174% | 1,608 |
| Net charge-offs to loans | -0.0359% | 4,150 |
| Credit loss provision to net charge-offs | -214.2857% | 2,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0424% | 2,222 |
| Assets per employee ($millions) | 5.6426% | 3,190 |
| Cash dividends to net income (ytd only)* | 38.1188% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 1,448 |
| Loan loss allowance to noncurrent loans | 1,140.3941% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 3,261 |
| Noncurrent loans to loans | 0.1345% | 3,137 |
| Net loans and leases to total assets | 59.8548% | 2,084 |
| Net loans and leases to deposits | 65.8717% | 2,346 |
| Net loans and leases to core deposits | 69.6324% | 2,322 |
| Total domestic deposits to total assets | 90.8657% | 1,102 |
| Equity capital to assets | 6.5246% | 4,420 |
| Core capital (leverage) ratio | 8.5669% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,389,500 | 2,794 |
| Average earning assets | $229,863,000 | 2,807 |
| Average equity | $18,945,500 | 3,240 |
| Average total loans | $156,056,500 | 2,583 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 930 |
| Cost of funding earning assets | 0.7285% | 283 |
| Net interest margin | 3.5113% | 1,697 |
| Noninterest income to average assets | 0.6905% | 1,796 |
| Noninterest expense to average assets | 2.6451% | 1,763 |
| Loan and lease loss provision to assets | 0.0515% | 2,027 |
| Net operating income to assets | 1.2041% | 1,909 |
| Return on assets (ROA) | 1.2041% | 1,957 |
| Pretax return on assets | 1.2041% | 2,651 |
| Return on Equity (ROE) | 13.8188% | 1,240 |
| Retained earnings to average equity (ytd only) | 9.3472% | 1,085 |
| Net charge-offs to loans | -0.0152% | 3,882 |
| Credit loss provision to net charge-offs | -521.7391% | 3,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8108% | 2,012 |
| Assets per employee ($millions) | 5.7792% | 2,980 |
| Cash dividends to net income (ytd only)* | 32.3592% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 1,890 |
| Loan loss allowance to noncurrent loans | 1,159.1837% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 3,397 |
| Noncurrent loans to loans | 0.1216% | 3,322 |
| Net loans and leases to total assets | 63.9512% | 1,706 |
| Net loans and leases to deposits | 72.8272% | 1,829 |
| Net loans and leases to core deposits | 77.8896% | 1,772 |
| Total domestic deposits to total assets | 87.8123% | 2,147 |
| Equity capital to assets | 8.7290% | 3,860 |
| Core capital (leverage) ratio | 8.4938% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,034,200 | 2,833 |
| Average earning assets | $213,054,800 | 2,848 |
| Average equity | $20,305,600 | 3,187 |
| Average total loans | $151,599,000 | 2,617 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 776 |
| Cost of funding earning assets | 0.7740% | 274 |
| Net interest margin | 3.6528% | 1,457 |
| Noninterest income to average assets | 0.6982% | 1,824 |
| Noninterest expense to average assets | 2.7007% | 1,585 |
| Loan and lease loss provision to assets | 0.0524% | 1,942 |
| Net operating income to assets | 1.2648% | 1,940 |
| Return on assets (ROA) | 1.2648% | 1,997 |
| Pretax return on assets | 1.2648% | 2,717 |
| Return on Equity (ROE) | 14.5227% | 1,253 |
| Retained earnings to average equity (ytd only) | 11.4699% | 955 |
| Net charge-offs to loans | -0.0223% | 4,010 |
| Credit loss provision to net charge-offs | -360.0000% | 3,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2169% | 1,937 |
| Assets per employee ($millions) | 5.8167% | 2,872 |
| Cash dividends to net income (ytd only)* | 21.0212% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 1,713 |
| Loan loss allowance to noncurrent loans | 1,239.7790% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,627 |
| Noncurrent loans to loans | 0.1193% | 3,495 |
| Net loans and leases to total assets | 59.7579% | 2,295 |
| Net loans and leases to deposits | 68.2737% | 2,416 |
| Net loans and leases to core deposits | 72.9794% | 2,318 |
| Total domestic deposits to total assets | 87.5270% | 2,094 |
| Equity capital to assets | 8.7607% | 4,028 |
| Core capital (leverage) ratio | 8.6827% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,166,500 | 2,881 |
| Average earning assets | $208,273,000 | 2,912 |
| Average equity | $19,959,000 | 3,253 |
| Average total loans | $149,200,250 | 2,682 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2617% | 1,068 |
| Cost of funding earning assets | 0.7965% | 298 |
| Net interest margin | 3.4652% | 1,961 |
| Noninterest income to average assets | 0.7057% | 1,789 |
| Noninterest expense to average assets | 2.7698% | 1,420 |
| Loan and lease loss provision to assets | 0.0540% | 1,956 |
| Net operating income to assets | 1.0343% | 2,776 |
| Return on assets (ROA) | 1.0343% | 2,851 |
| Pretax return on assets | 1.0343% | 3,364 |
| Return on Equity (ROE) | 11.9018% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.5297% | 1,543 |
| Net charge-offs to loans | -0.0270% | 4,115 |
| Credit loss provision to net charge-offs | -300.0000% | 3,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7919% | 1,456 |
| Assets per employee ($millions) | 5.4534% | 3,183 |
| Cash dividends to net income (ytd only)* | 19.9304% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 1,563 |
| Loan loss allowance to noncurrent loans | 292.0635% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 2,308 |
| Noncurrent loans to loans | 0.5165% | 2,126 |
| Net loans and leases to total assets | 61.4760% | 2,241 |
| Net loans and leases to deposits | 70.1427% | 2,392 |
| Net loans and leases to core deposits | 75.1522% | 2,313 |
| Total domestic deposits to total assets | 87.6442% | 2,021 |
| Equity capital to assets | 8.5344% | 4,175 |
| Core capital (leverage) ratio | 8.2603% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,183,333 | 2,922 |
| Average earning assets | $202,125,667 | 2,965 |
| Average equity | $19,308,000 | 3,302 |
| Average total loans | $148,364,333 | 2,703 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8236% | 2,032 |
| Cost of funding earning assets | 0.8008% | 344 |
| Net interest margin | 3.0227% | 3,202 |
| Noninterest income to average assets | 0.8443% | 1,479 |
| Noninterest expense to average assets | 2.6330% | 1,789 |
| Loan and lease loss provision to assets | 0.0555% | 2,000 |
| Net operating income to assets | 0.9443% | 2,990 |
| Return on assets (ROA) | 0.9443% | 3,078 |
| Pretax return on assets | 0.9443% | 3,508 |
| Return on Equity (ROE) | 10.7620% | 2,434 |
| Retained earnings to average equity (ytd only) | 10.7620% | 1,456 |
| Net charge-offs to loans | -0.0348% | 4,239 |
| Credit loss provision to net charge-offs | -230.7692% | 3,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4771% | 1,452 |
| Assets per employee ($millions) | 5.3597% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 1,618 |
| Loan loss allowance to noncurrent loans | 668.3077% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 3,452 |
| Noncurrent loans to loans | 0.2241% | 3,297 |
| Net loans and leases to total assets | 63.4724% | 2,106 |
| Net loans and leases to deposits | 72.3215% | 2,280 |
| Net loans and leases to core deposits | 77.9681% | 2,188 |
| Total domestic deposits to total assets | 87.7641% | 1,972 |
| Equity capital to assets | 8.3875% | 4,202 |
| Core capital (leverage) ratio | 8.7185% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,026,000 | 2,958 |
| Average earning assets | $199,290,000 | 2,981 |
| Average equity | $18,955,500 | 3,335 |
| Average total loans | $149,362,500 | 2,696 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 960 |
| Cost of funding earning assets | 1.0480% | 497 |
| Net interest margin | 3.6149% | 2,090 |
| Noninterest income to average assets | 1.0794% | 918 |
| Noninterest expense to average assets | 3.0881% | 1,257 |
| Loan and lease loss provision to assets | 0.0162% | 4,175 |
| Net operating income to assets | 1.2642% | 1,350 |
| Return on assets (ROA) | 1.2669% | 1,449 |
| Pretax return on assets | 1.2669% | 2,098 |
| Return on Equity (ROE) | 13.4433% | 938 |
| Retained earnings to average equity (ytd only) | 9.2011% | 729 |
| Net charge-offs to loans | 0.0220% | 2,614 |
| Credit loss provision to net charge-offs | 93.7500% | 2,899 |
| Earnings coverage of net charge-offs (x) | 74.0625% | 940 |
| Efficiency ratio | 70.6901% | 1,856 |
| Assets per employee ($millions) | 4.9272% | 3,469 |
| Cash dividends to net income (ytd only)* | 31.5565% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 2,022 |
| Loan loss allowance to noncurrent loans | 671.6088% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 3,513 |
| Noncurrent loans to loans | 0.2063% | 3,464 |
| Net loans and leases to total assets | 73.2289% | 1,124 |
| Net loans and leases to deposits | 84.7384% | 1,387 |
| Net loans and leases to core deposits | 89.8863% | 1,531 |
| Total domestic deposits to total assets | 86.4175% | 2,184 |
| Equity capital to assets | 9.1958% | 3,891 |
| Core capital (leverage) ratio | 9.0583% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,097,200 | 3,063 |
| Average earning assets | $168,415,200 | 3,087 |
| Average equity | $17,443,600 | 3,424 |
| Average total loans | $145,364,000 | 2,703 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8068% | 873 |
| Cost of funding earning assets | 1.1187% | 500 |
| Net interest margin | 3.6882% | 1,982 |
| Noninterest income to average assets | 1.0532% | 936 |
| Noninterest expense to average assets | 3.1663% | 1,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2247% | 1,564 |
| Return on assets (ROA) | 1.2284% | 1,673 |
| Pretax return on assets | 1.2284% | 2,293 |
| Return on Equity (ROE) | 12.9443% | 1,127 |
| Retained earnings to average equity (ytd only) | 7.1565% | 1,630 |
| Net charge-offs to loans | 0.0298% | 2,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 51.5625% | 1,176 |
| Efficiency ratio | 72.1095% | 1,635 |
| Assets per employee ($millions) | 4.6064% | 3,718 |
| Cash dividends to net income (ytd only)* | 44.7130% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 1,628 |
| Loan loss allowance to noncurrent loans | 449.4647% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 3,229 |
| Noncurrent loans to loans | 0.3174% | 3,149 |
| Net loans and leases to total assets | 74.9776% | 1,236 |
| Net loans and leases to deposits | 86.8964% | 1,603 |
| Net loans and leases to core deposits | 92.2496% | 1,774 |
| Total domestic deposits to total assets | 86.2840% | 1,945 |
| Equity capital to assets | 9.1587% | 3,991 |
| Core capital (leverage) ratio | 9.1024% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,635,750 | 3,093 |
| Average earning assets | $162,570,250 | 3,130 |
| Average equity | $17,047,000 | 3,456 |
| Average total loans | $143,287,250 | 2,725 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9466% | 899 |
| Cost of funding earning assets | 1.1771% | 548 |
| Net interest margin | 3.7695% | 1,921 |
| Noninterest income to average assets | 0.9267% | 1,105 |
| Noninterest expense to average assets | 3.1893% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1553% | 1,782 |
| Return on assets (ROA) | 1.1610% | 1,888 |
| Pretax return on assets | 1.1610% | 2,495 |
| Return on Equity (ROE) | 12.0787% | 1,318 |
| Retained earnings to average equity (ytd only) | 5.8372% | 2,144 |
| Net charge-offs to loans | 0.0211% | 2,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 67.4000% | 900 |
| Efficiency ratio | 73.4087% | 1,521 |
| Assets per employee ($millions) | 4.3071% | 3,990 |
| Cash dividends to net income (ytd only)* | 51.6732% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 1,390 |
| Loan loss allowance to noncurrent loans | 418.1818% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 3,226 |
| Noncurrent loans to loans | 0.3477% | 3,154 |
| Net loans and leases to total assets | 77.4322% | 930 |
| Net loans and leases to deposits | 91.1778% | 1,242 |
| Net loans and leases to core deposits | 96.4957% | 1,537 |
| Total domestic deposits to total assets | 84.9244% | 2,430 |
| Equity capital to assets | 9.3431% | 3,788 |
| Core capital (leverage) ratio | 9.4521% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,025,333 | 3,119 |
| Average earning assets | $158,695,333 | 3,147 |
| Average equity | $16,823,000 | 3,476 |
| Average total loans | $141,997,667 | 2,723 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 1,180 |
| Cost of funding earning assets | 1.2505% | 653 |
| Net interest margin | 3.6559% | 2,489 |
| Noninterest income to average assets | 0.6967% | 1,663 |
| Noninterest expense to average assets | 2.9753% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0522% | 1,997 |
| Return on assets (ROA) | 1.0639% | 2,058 |
| Pretax return on assets | 1.0639% | 2,624 |
| Return on Equity (ROE) | 10.9031% | 1,442 |
| Retained earnings to average equity (ytd only) | 4.6073% | 2,453 |
| Net charge-offs to loans | 0.0513% | 1,497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 24.8333% | 1,295 |
| Efficiency ratio | 73.8749% | 1,838 |
| Assets per employee ($millions) | 4.0437% | 3,864 |
| Cash dividends to net income (ytd only)* | 57.7434% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 1,249 |
| Loan loss allowance to noncurrent loans | 239.2978% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 2,474 |
| Noncurrent loans to loans | 0.6385% | 2,395 |
| Net loans and leases to total assets | 78.3122% | 930 |
| Net loans and leases to deposits | 92.7386% | 1,206 |
| Net loans and leases to core deposits | 99.1929% | 1,535 |
| Total domestic deposits to total assets | 84.4440% | 2,617 |
| Equity capital to assets | 9.5997% | 4,134 |
| Core capital (leverage) ratio | 9.7783% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,935,000 | 3,137 |
| Average earning assets | $154,817,000 | 3,145 |
| Average equity | $16,582,500 | 3,508 |
| Average total loans | $140,234,000 | 2,723 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9358% | 1,645 |
| Cost of funding earning assets | 1.3509% | 655 |
| Net interest margin | 3.5849% | 3,184 |
| Noninterest income to average assets | 0.6051% | 2,193 |
| Noninterest expense to average assets | 2.9337% | 2,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9460% | 3,032 |
| Return on assets (ROA) | 0.9521% | 3,095 |
| Pretax return on assets | 0.9521% | 3,599 |
| Return on Equity (ROE) | 9.6975% | 2,437 |
| Retained earnings to average equity (ytd only) | 2.1454% | 3,922 |
| Net charge-offs to loans | 0.0478% | 2,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 24.6667% | 1,766 |
| Efficiency ratio | 75.6159% | 1,403 |
| Assets per employee ($millions) | 4.2561% | 3,573 |
| Cash dividends to net income (ytd only)* | 77.8772% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 1,235 |
| Loan loss allowance to noncurrent loans | 232.8962% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5512% | 2,238 |
| Noncurrent loans to loans | 0.6435% | 2,279 |
| Net loans and leases to total assets | 84.3755% | 292 |
| Net loans and leases to deposits | 100.5745% | 566 |
| Net loans and leases to core deposits | 106.8470% | 1,060 |
| Total domestic deposits to total assets | 83.8935% | 2,882 |
| Equity capital to assets | 9.9242% | 3,988 |
| Core capital (leverage) ratio | 9.9356% | 3,587 |
| Tier 1 risk-based capital ratio | 12.4779% | 4,079 |
| Total risk-based capital ratio | 13.7326% | 3,961 |
| Memoranda: | ||
| Average total assets | $164,263,800 | 3,163 |
| Average earning assets | $150,045,200 | 3,173 |
| Average equity | $16,127,800 | 3,527 |
| Average total loans | $131,811,200 | 2,803 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9486% | 1,681 |
| Cost of funding earning assets | 1.3884% | 593 |
| Net interest margin | 3.5602% | 3,371 |
| Noninterest income to average assets | 0.6112% | 2,145 |
| Noninterest expense to average assets | 2.8801% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9676% | 3,091 |
| Return on assets (ROA) | 0.9758% | 3,146 |
| Pretax return on assets | 0.9758% | 3,660 |
| Return on Equity (ROE) | 9.9656% | 2,445 |
| Retained earnings to average equity (ytd only) | 3.4161% | 3,701 |
| Net charge-offs to loans | 0.0702% | 1,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 17.4861% | 2,089 |
| Efficiency ratio | 74.8519% | 1,460 |
| Assets per employee ($millions) | 4.2005% | 3,611 |
| Cash dividends to net income (ytd only)* | 65.7213% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 1,061 |
| Loan loss allowance to noncurrent loans | 139.2272% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.9321% | 1,450 |
| Noncurrent loans to loans | 1.1281% | 1,409 |
| Net loans and leases to total assets | 81.3326% | 660 |
| Net loans and leases to deposits | 97.3813% | 882 |
| Net loans and leases to core deposits | 104.3571% | 1,305 |
| Total domestic deposits to total assets | 83.5197% | 2,986 |
| Equity capital to assets | 10.1007% | 3,919 |
| Core capital (leverage) ratio | 10.0087% | 3,635 |
| Tier 1 risk-based capital ratio | 13.4997% | 3,574 |
| Total risk-based capital ratio | 14.7558% | 3,476 |
| Memoranda: | ||
| Average total assets | $163,832,500 | 3,199 |
| Average earning assets | $148,940,250 | 3,215 |
| Average equity | $16,041,500 | 3,573 |
| Average total loans | $129,217,750 | 2,864 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 1,995 |
| Cost of funding earning assets | 1.3437% | 654 |
| Net interest margin | 3.4777% | 3,667 |
| Noninterest income to average assets | 0.5396% | 2,444 |
| Noninterest expense to average assets | 2.8370% | 2,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8777% | 3,372 |
| Return on assets (ROA) | 0.8777% | 3,437 |
| Pretax return on assets | 0.8777% | 3,913 |
| Return on Equity (ROE) | 9.0594% | 2,827 |
| Retained earnings to average equity (ytd only) | 2.4066% | 3,979 |
| Net charge-offs to loans | -0.0503% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3720% | 1,346 |
| Assets per employee ($millions) | 4.4752% | 3,181 |
| Cash dividends to net income (ytd only)* | 73.4353% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6995% | 819 |
| Loan loss allowance to noncurrent loans | 181.5661% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 1,873 |
| Noncurrent loans to loans | 0.9360% | 1,743 |
| Net loans and leases to total assets | 77.7598% | 1,262 |
| Net loans and leases to deposits | 94.3295% | 1,226 |
| Net loans and leases to core deposits | 106.8904% | 1,184 |
| Total domestic deposits to total assets | 82.4342% | 3,389 |
| Equity capital to assets | 9.9183% | 4,044 |
| Core capital (leverage) ratio | 9.8822% | 3,726 |
| Tier 1 risk-based capital ratio | 13.3303% | 3,677 |
| Total risk-based capital ratio | 14.5875% | 3,565 |
| Memoranda: | ||
| Average total assets | $163,836,670 | 3,210 |
| Average earning assets | $149,582,670 | 3,226 |
| Average equity | $15,873,000 | 3,597 |
| Average total loans | $127,168,670 | 2,906 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7974% | 1,909 |
| Cost of funding earning assets | 1.3325% | 592 |
| Net interest margin | 3.4649% | 3,697 |
| Noninterest income to average assets | 0.5965% | 2,061 |
| Noninterest expense to average assets | 2.7785% | 2,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9646% | 2,993 |
| Return on assets (ROA) | 0.9646% | 3,032 |
| Pretax return on assets | 0.9646% | 3,570 |
| Return on Equity (ROE) | 10.0782% | 2,338 |
| Retained earnings to average equity (ytd only) | 3.2055% | 3,650 |
| Net charge-offs to loans | -0.1118% | 5,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2295% | 1,730 |
| Assets per employee ($millions) | 4.5760% | 3,080 |
| Cash dividends to net income (ytd only)* | 68.1934% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7700% | 745 |
| Loan loss allowance to noncurrent loans | 174.8235% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 1,824 |
| Noncurrent loans to loans | 1.0124% | 1,649 |
| Net loans and leases to total assets | 75.0927% | 1,626 |
| Net loans and leases to deposits | 90.7014% | 1,542 |
| Net loans and leases to core deposits | 101.4641% | 1,502 |
| Total domestic deposits to total assets | 82.7911% | 3,462 |
| Equity capital to assets | 9.7733% | 4,029 |
| Core capital (leverage) ratio | 9.9301% | 3,681 |
| Tier 1 risk-based capital ratio | 13.6613% | 3,514 |
| Total risk-based capital ratio | 14.9188% | 3,421 |
| Memoranda: | ||
| Average total assets | $162,963,500 | 3,262 |
| Average earning assets | $147,996,500 | 3,291 |
| Average equity | $15,598,000 | 3,632 |
| Average total loans | $125,261,500 | 2,957 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 1,826 |
| Cost of funding earning assets | 0.9265% | 1,004 |
| Net interest margin | 3.7709% | 2,777 |
| Noninterest income to average assets | 0.5209% | 2,713 |
| Noninterest expense to average assets | 2.8887% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0707% | 2,717 |
| Return on assets (ROA) | 1.0707% | 2,698 |
| Pretax return on assets | 1.0707% | 3,372 |
| Return on Equity (ROE) | 10.7264% | 2,200 |
| Retained earnings to average equity (ytd only) | 1.4460% | 4,554 |
| Net charge-offs to loans | 0.0112% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 128.3846% | 623 |
| Efficiency ratio | 72.9585% | 1,769 |
| Assets per employee ($millions) | 4.3565% | 3,371 |
| Cash dividends to net income (ytd only)* | 86.5189% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 733 |
| Loan loss allowance to noncurrent loans | 170.6065% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 1,745 |
| Noncurrent loans to loans | 1.0322% | 1,591 |
| Net loans and leases to total assets | 75.9318% | 1,629 |
| Net loans and leases to deposits | 93.0259% | 1,397 |
| Net loans and leases to core deposits | 101.4615% | 1,609 |
| Total domestic deposits to total assets | 81.6244% | 3,745 |
| Equity capital to assets | 9.3652% | 4,249 |
| Core capital (leverage) ratio | 10.0913% | 3,473 |
| Tier 1 risk-based capital ratio | 13.7125% | 3,434 |
| Total risk-based capital ratio | 14.9698% | 3,353 |
| Memoranda: | ||
| Average total assets | $155,884,000 | 3,326 |
| Average earning assets | $142,142,800 | 3,338 |
| Average equity | $15,559,800 | 3,567 |
| Average total loans | $116,387,600 | 3,040 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6505% | 1,830 |
| Cost of funding earning assets | 0.8455% | 1,133 |
| Net interest margin | 3.8050% | 2,628 |
| Noninterest income to average assets | 0.5116% | 2,794 |
| Noninterest expense to average assets | 2.8735% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1051% | 2,642 |
| Return on assets (ROA) | 1.1051% | 2,654 |
| Pretax return on assets | 1.1051% | 3,375 |
| Return on Equity (ROE) | 10.8956% | 2,218 |
| Retained earnings to average equity (ytd only) | 5.0693% | 3,197 |
| Net charge-offs to loans | -0.0082% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2246% | 1,848 |
| Assets per employee ($millions) | 4.3108% | 3,409 |
| Cash dividends to net income (ytd only)* | 53.4737% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8072% | 712 |
| Loan loss allowance to noncurrent loans | 153.2180% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.9060% | 1,631 |
| Noncurrent loans to loans | 1.1795% | 1,434 |
| Net loans and leases to total assets | 75.4212% | 1,746 |
| Net loans and leases to deposits | 95.0145% | 1,270 |
| Net loans and leases to core deposits | 100.9728% | 1,703 |
| Total domestic deposits to total assets | 79.3786% | 4,236 |
| Equity capital to assets | 9.8577% | 3,773 |
| Core capital (leverage) ratio | 10.5554% | 3,025 |
| Tier 1 risk-based capital ratio | 14.5325% | 3,112 |
| Total risk-based capital ratio | 15.7916% | 3,019 |
| Memoranda: | ||
| Average total assets | $154,557,000 | 3,368 |
| Average earning assets | $140,828,250 | 3,384 |
| Average equity | $15,675,750 | 3,569 |
| Average total loans | $114,337,000 | 3,094 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6543% | 1,631 |
| Cost of funding earning assets | 0.7992% | 1,132 |
| Net interest margin | 3.8550% | 2,366 |
| Noninterest income to average assets | 0.5153% | 2,773 |
| Noninterest expense to average assets | 2.9063% | 2,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1105% | 2,546 |
| Return on assets (ROA) | 1.1105% | 2,549 |
| Pretax return on assets | 1.1105% | 3,268 |
| Return on Equity (ROE) | 10.8429% | 2,180 |
| Retained earnings to average equity (ytd only) | 5.3768% | 2,888 |
| Net charge-offs to loans | -0.0143% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3543% | 1,942 |
| Assets per employee ($millions) | 4.1882% | 3,596 |
| Cash dividends to net income (ytd only)* | 50.4122% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 627 |
| Loan loss allowance to noncurrent loans | 202.4680% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 2,116 |
| Noncurrent loans to loans | 0.9407% | 1,849 |
| Net loans and leases to total assets | 73.6168% | 2,009 |
| Net loans and leases to deposits | 91.0693% | 1,700 |
| Net loans and leases to core deposits | 94.5756% | 2,176 |
| Total domestic deposits to total assets | 80.8359% | 4,047 |
| Equity capital to assets | 10.1076% | 3,536 |
| Core capital (leverage) ratio | 10.6615% | 2,851 |
| Tier 1 risk-based capital ratio | 15.1312% | 2,808 |
| Total risk-based capital ratio | 16.3912% | 2,729 |
| Memoranda: | ||
| Average total assets | $152,909,670 | 3,399 |
| Average earning assets | $138,883,670 | 3,423 |
| Average equity | $15,660,000 | 3,594 |
| Average total loans | $111,612,670 | 3,151 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 1,850 |
| Cost of funding earning assets | 0.7748% | 1,076 |
| Net interest margin | 3.7313% | 2,681 |
| Noninterest income to average assets | 0.4951% | 2,833 |
| Noninterest expense to average assets | 2.7231% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1456% | 2,239 |
| Return on assets (ROA) | 1.1456% | 2,250 |
| Pretax return on assets | 1.1456% | 2,982 |
| Return on Equity (ROE) | 11.1122% | 1,920 |
| Retained earnings to average equity (ytd only) | 5.6455% | 2,874 |
| Net charge-offs to loans | -0.0293% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3880% | 2,428 |
| Assets per employee ($millions) | 4.1255% | 3,764 |
| Cash dividends to net income (ytd only)* | 49.1954% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0240% | 519 |
| Loan loss allowance to noncurrent loans | 175.7937% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 1,917 |
| Noncurrent loans to loans | 1.1514% | 1,582 |
| Net loans and leases to total assets | 70.2430% | 2,436 |
| Net loans and leases to deposits | 85.7062% | 2,200 |
| Net loans and leases to core deposits | 89.0067% | 2,540 |
| Total domestic deposits to total assets | 81.9579% | 3,979 |
| Equity capital to assets | 10.2121% | 3,376 |
| Core capital (leverage) ratio | 10.7075% | 2,730 |
| Tier 1 risk-based capital ratio | 15.7046% | 2,590 |
| Total risk-based capital ratio | 16.9661% | 2,532 |
| Memoranda: | ||
| Average total assets | $151,883,500 | 3,442 |
| Average earning assets | $137,325,000 | 3,485 |
| Average equity | $15,658,500 | 3,630 |
| Average total loans | $109,272,500 | 3,203 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 1,568 |
| Cost of funding earning assets | 0.6756% | 1,157 |
| Net interest margin | 3.8723% | 2,177 |
| Noninterest income to average assets | 0.6350% | 2,273 |
| Noninterest expense to average assets | 2.8589% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3061% | 1,212 |
| Return on assets (ROA) | 1.3146% | 1,207 |
| Pretax return on assets | 1.3146% | 2,291 |
| Return on Equity (ROE) | 12.6505% | 1,037 |
| Retained earnings to average equity (ytd only) | 3.6280% | 3,083 |
| Net charge-offs to loans | 0.1503% | 1,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 12.4063% | 2,479 |
| Efficiency ratio | 68.6414% | 2,765 |
| Assets per employee ($millions) | 4.0844% | 3,835 |
| Cash dividends to net income (ytd only)* | 71.3213% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0227% | 518 |
| Loan loss allowance to noncurrent loans | 144.9114% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 1.0078% | 1,523 |
| Noncurrent loans to loans | 1.3959% | 1,228 |
| Net loans and leases to total assets | 70.7379% | 2,411 |
| Net loans and leases to deposits | 86.9087% | 2,143 |
| Net loans and leases to core deposits | 90.3102% | 2,536 |
| Total domestic deposits to total assets | 81.3934% | 4,025 |
| Equity capital to assets | 10.4080% | 3,257 |
| Core capital (leverage) ratio | 10.4809% | 2,858 |
| Tier 1 risk-based capital ratio | 15.3531% | 2,681 |
| Total risk-based capital ratio | 16.6142% | 2,616 |
| Memoranda: | ||
| Average total assets | $151,980,000 | 3,446 |
| Average earning assets | $138,547,200 | 3,474 |
| Average equity | $15,793,800 | 3,629 |
| Average total loans | $106,460,000 | 3,241 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 1,540 |
| Cost of funding earning assets | 0.6730% | 1,104 |
| Net interest margin | 3.8650% | 2,167 |
| Noninterest income to average assets | 0.6413% | 2,248 |
| Noninterest expense to average assets | 2.8314% | 2,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3316% | 1,247 |
| Return on assets (ROA) | 1.3430% | 1,238 |
| Pretax return on assets | 1.3430% | 2,313 |
| Return on Equity (ROE) | 12.9282% | 1,075 |
| Retained earnings to average equity (ytd only) | 5.0853% | 2,826 |
| Net charge-offs to loans | 0.1878% | 1,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 10.2014% | 2,621 |
| Efficiency ratio | 68.0135% | 2,876 |
| Assets per employee ($millions) | 4.1923% | 3,666 |
| Cash dividends to net income (ytd only)* | 60.6654% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0422% | 530 |
| Loan loss allowance to noncurrent loans | 151.3993% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.9820% | 1,731 |
| Noncurrent loans to loans | 1.3489% | 1,403 |
| Net loans and leases to total assets | 70.4938% | 2,486 |
| Net loans and leases to deposits | 84.8229% | 2,457 |
| Net loans and leases to core deposits | 91.1193% | 2,517 |
| Total domestic deposits to total assets | 83.1071% | 3,424 |
| Equity capital to assets | 10.6519% | 3,212 |
| Core capital (leverage) ratio | 10.4709% | 3,021 |
| Tier 1 risk-based capital ratio | 15.5077% | 2,701 |
| Total risk-based capital ratio | 16.7693% | 2,649 |
| Memoranda: | ||
| Average total assets | $152,194,000 | 3,474 |
| Average earning assets | $138,677,500 | 3,497 |
| Average equity | $15,810,000 | 3,657 |
| Average total loans | $105,797,750 | 3,276 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 1,458 |
| Cost of funding earning assets | 0.6617% | 1,078 |
| Net interest margin | 3.8619% | 2,057 |
| Noninterest income to average assets | 0.7129% | 1,931 |
| Noninterest expense to average assets | 2.8031% | 2,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4127% | 1,035 |
| Return on assets (ROA) | 1.4271% | 1,033 |
| Pretax return on assets | 1.4271% | 1,910 |
| Return on Equity (ROE) | 13.8538% | 837 |
| Retained earnings to average equity (ytd only) | 8.3962% | 1,036 |
| Net charge-offs to loans | 0.2460% | 833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 8.3566% | 2,517 |
| Efficiency ratio | 66.4905% | 3,266 |
| Assets per employee ($millions) | 4.1998% | 3,619 |
| Cash dividends to net income (ytd only)* | 39.3939% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1299% | 483 |
| Loan loss allowance to noncurrent loans | 140.6662% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.0523% | 1,663 |
| Noncurrent loans to loans | 1.5142% | 1,240 |
| Net loans and leases to total assets | 68.0166% | 2,816 |
| Net loans and leases to deposits | 81.1117% | 2,792 |
| Net loans and leases to core deposits | 87.0458% | 2,791 |
| Total domestic deposits to total assets | 83.8555% | 3,256 |
| Equity capital to assets | 10.7361% | 3,097 |
| Core capital (leverage) ratio | 10.5228% | 2,888 |
| Tier 1 risk-based capital ratio | 16.1110% | 2,455 |
| Total risk-based capital ratio | 17.3734% | 2,399 |
| Memoranda: | ||
| Average total assets | $152,618,330 | 3,487 |
| Average earning assets | $138,429,000 | 3,517 |
| Average equity | $15,721,330 | 3,673 |
| Average total loans | $104,861,000 | 3,301 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 1,608 |
| Cost of funding earning assets | 0.6604% | 1,025 |
| Net interest margin | 3.7518% | 2,299 |
| Noninterest income to average assets | 0.5087% | 2,916 |
| Noninterest expense to average assets | 2.5931% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3096% | 1,211 |
| Return on assets (ROA) | 1.3383% | 1,179 |
| Pretax return on assets | 1.3383% | 2,106 |
| Return on Equity (ROE) | 13.2678% | 945 |
| Retained earnings to average equity (ytd only) | 8.1986% | 1,378 |
| Net charge-offs to loans | 0.4811% | 383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.9841% | 2,432 |
| Efficiency ratio | 66.4439% | 3,421 |
| Assets per employee ($millions) | 4.2384% | 3,606 |
| Cash dividends to net income (ytd only)* | 38.2066% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1737% | 496 |
| Loan loss allowance to noncurrent loans | 132.2124% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.1109% | 1,600 |
| Noncurrent loans to loans | 1.6441% | 1,179 |
| Net loans and leases to total assets | 66.0987% | 2,954 |
| Net loans and leases to deposits | 76.4451% | 3,142 |
| Net loans and leases to core deposits | 82.8492% | 3,007 |
| Total domestic deposits to total assets | 86.4655% | 2,459 |
| Equity capital to assets | 10.2765% | 3,432 |
| Core capital (leverage) ratio | 10.1789% | 3,262 |
| Tier 1 risk-based capital ratio | 16.0347% | 2,534 |
| Total risk-based capital ratio | 17.2973% | 2,480 |
| Memoranda: | ||
| Average total assets | $153,332,000 | 3,509 |
| Average earning assets | $138,708,000 | 3,543 |
| Average equity | $15,466,000 | 3,732 |
| Average total loans | $104,755,000 | 3,328 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 1,188 |
| Cost of funding earning assets | 0.6847% | 885 |
| Net interest margin | 3.9551% | 1,769 |
| Noninterest income to average assets | 0.5596% | 2,867 |
| Noninterest expense to average assets | 2.8096% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3303% | 1,143 |
| Return on assets (ROA) | 1.3303% | 1,199 |
| Pretax return on assets | 1.3303% | 2,179 |
| Return on Equity (ROE) | 12.4990% | 1,115 |
| Retained earnings to average equity (ytd only) | 2.6320% | 4,022 |
| Net charge-offs to loans | 0.0039% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 491.5000% | 165 |
| Efficiency ratio | 67.8653% | 3,264 |
| Assets per employee ($millions) | 4.2801% | 3,473 |
| Cash dividends to net income (ytd only)* | 78.9420% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2243% | 446 |
| Loan loss allowance to noncurrent loans | 142.5904% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 1,748 |
| Noncurrent loans to loans | 1.5599% | 1,267 |
| Net loans and leases to total assets | 67.5272% | 2,850 |
| Net loans and leases to deposits | 77.7505% | 3,130 |
| Net loans and leases to core deposits | 84.5328% | 2,975 |
| Total domestic deposits to total assets | 86.8512% | 2,221 |
| Equity capital to assets | 9.8986% | 3,819 |
| Core capital (leverage) ratio | 9.9777% | 3,506 |
| Tier 1 risk-based capital ratio | 15.4283% | 2,776 |
| Total risk-based capital ratio | 16.6926% | 2,703 |
| Memoranda: | ||
| Average total assets | $147,781,200 | 3,558 |
| Average earning assets | $133,775,200 | 3,593 |
| Average equity | $15,729,200 | 3,730 |
| Average total loans | $102,987,600 | 3,330 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 1,170 |
| Cost of funding earning assets | 0.6931% | 843 |
| Net interest margin | 3.9649% | 1,765 |
| Noninterest income to average assets | 0.5089% | 3,186 |
| Noninterest expense to average assets | 2.7613% | 3,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3314% | 1,208 |
| Return on assets (ROA) | 1.3314% | 1,294 |
| Pretax return on assets | 1.3314% | 2,303 |
| Return on Equity (ROE) | 12.2827% | 1,238 |
| Retained earnings to average equity (ytd only) | 6.0235% | 2,174 |
| Net charge-offs to loans | 0.0078% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 243.3275% | 324 |
| Efficiency ratio | 67.4688% | 3,323 |
| Assets per employee ($millions) | 4.2964% | 3,419 |
| Cash dividends to net income (ytd only)* | 50.9591% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2378% | 481 |
| Loan loss allowance to noncurrent loans | 116.0373% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.3560% | 1,386 |
| Noncurrent loans to loans | 1.9285% | 1,034 |
| Net loans and leases to total assets | 68.7373% | 2,693 |
| Net loans and leases to deposits | 80.2383% | 2,932 |
| Net loans and leases to core deposits | 87.5305% | 2,805 |
| Total domestic deposits to total assets | 85.6664% | 2,528 |
| Equity capital to assets | 10.8702% | 3,170 |
| Core capital (leverage) ratio | 10.4354% | 3,063 |
| Tier 1 risk-based capital ratio | 15.9525% | 2,645 |
| Total risk-based capital ratio | 17.2180% | 2,576 |
| Memoranda: | ||
| Average total assets | $146,205,750 | 3,590 |
| Average earning assets | $132,156,500 | 3,633 |
| Average equity | $15,848,500 | 3,742 |
| Average total loans | $102,130,750 | 3,358 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6420% | 1,183 |
| Cost of funding earning assets | 0.6923% | 838 |
| Net interest margin | 3.9496% | 1,807 |
| Noninterest income to average assets | 0.5096% | 3,126 |
| Noninterest expense to average assets | 2.6143% | 3,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4722% | 938 |
| Return on assets (ROA) | 1.4722% | 985 |
| Pretax return on assets | 1.4722% | 1,763 |
| Return on Equity (ROE) | 13.5946% | 906 |
| Retained earnings to average equity (ytd only) | 5.9301% | 2,157 |
| Net charge-offs to loans | 0.0297% | 2,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 71.0667% | 767 |
| Efficiency ratio | 63.9743% | 4,021 |
| Assets per employee ($millions) | 4.2061% | 3,555 |
| Cash dividends to net income (ytd only)* | 56.3790% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3094% | 459 |
| Loan loss allowance to noncurrent loans | 147.7116% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.0835% | 1,957 |
| Noncurrent loans to loans | 1.5634% | 1,378 |
| Net loans and leases to total assets | 67.6992% | 2,823 |
| Net loans and leases to deposits | 79.0021% | 3,054 |
| Net loans and leases to core deposits | 85.8859% | 2,910 |
| Total domestic deposits to total assets | 85.6928% | 2,561 |
| Equity capital to assets | 10.8788% | 3,195 |
| Core capital (leverage) ratio | 10.4591% | 3,016 |
| Tier 1 risk-based capital ratio | 16.1577% | 2,567 |
| Total risk-based capital ratio | 17.4225% | 2,511 |
| Memoranda: | ||
| Average total assets | $144,816,330 | 3,632 |
| Average earning assets | $131,151,330 | 3,674 |
| Average equity | $15,682,670 | 3,780 |
| Average total loans | $100,931,330 | 3,391 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 1,141 |
| Cost of funding earning assets | 0.6945% | 825 |
| Net interest margin | 3.9580% | 1,753 |
| Noninterest income to average assets | 0.3983% | 3,845 |
| Noninterest expense to average assets | 2.4036% | 4,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5820% | 726 |
| Return on assets (ROA) | 1.5820% | 764 |
| Pretax return on assets | 1.5820% | 1,342 |
| Return on Equity (ROE) | 14.6425% | 724 |
| Retained earnings to average equity (ytd only) | 8.0688% | 1,427 |
| Net charge-offs to loans | 0.0199% | 2,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 113.6000% | 493 |
| Efficiency ratio | 60.3075% | 4,704 |
| Assets per employee ($millions) | 4.1202% | 3,728 |
| Cash dividends to net income (ytd only)* | 44.8944% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3956% | 447 |
| Loan loss allowance to noncurrent loans | 170.2158% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.9639% | 2,301 |
| Noncurrent loans to loans | 1.4074% | 1,700 |
| Net loans and leases to total assets | 66.8474% | 2,838 |
| Net loans and leases to deposits | 78.0197% | 3,004 |
| Net loans and leases to core deposits | 84.9658% | 2,845 |
| Total domestic deposits to total assets | 85.6802% | 2,821 |
| Equity capital to assets | 10.9295% | 3,023 |
| Core capital (leverage) ratio | 10.6238% | 2,823 |
| Tier 1 risk-based capital ratio | 16.6396% | 2,424 |
| Total risk-based capital ratio | 17.9058% | 2,365 |
| Memoranda: | ||
| Average total assets | $143,618,000 | 3,673 |
| Average earning assets | $130,166,000 | 3,710 |
| Average equity | $15,516,500 | 3,808 |
| Average total loans | $100,388,000 | 3,417 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6837% | 1,140 |
| Cost of funding earning assets | 0.7012% | 822 |
| Net interest margin | 3.9826% | 1,773 |
| Noninterest income to average assets | 0.4646% | 3,565 |
| Noninterest expense to average assets | 2.8762% | 2,941 |
| Loan and lease loss provision to assets | -0.0174% | 5,656 |
| Net operating income to assets | 1.2260% | 1,467 |
| Return on assets (ROA) | 1.2260% | 1,527 |
| Pretax return on assets | 1.2260% | 2,567 |
| Return on Equity (ROE) | 11.5504% | 1,424 |
| Retained earnings to average equity (ytd only) | 3.2289% | 3,755 |
| Net charge-offs to loans | -0.0019% | 4,875 |
| Credit loss provision to net charge-offs | 1,250.0000% | 265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4127% | 3,159 |
| Assets per employee ($millions) | 4.2068% | 3,557 |
| Cash dividends to net income (ytd only)* | 72.0455% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3242% | 498 |
| Loan loss allowance to noncurrent loans | 589.8010% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 4,462 |
| Noncurrent loans to loans | 0.3941% | 4,043 |
| Net loans and leases to total assets | 69.6644% | 2,419 |
| Net loans and leases to deposits | 81.5513% | 2,646 |
| Net loans and leases to core deposits | 88.1046% | 2,591 |
| Total domestic deposits to total assets | 85.4240% | 2,891 |
| Equity capital to assets | 10.6775% | 3,158 |
| Core capital (leverage) ratio | 10.4181% | 3,036 |
| Tier 1 risk-based capital ratio | 15.8374% | 2,766 |
| Total risk-based capital ratio | 17.1032% | 2,698 |
| Memoranda: | ||
| Average total assets | $143,555,600 | 3,670 |
| Average earning assets | $130,494,200 | 3,694 |
| Average equity | $15,237,600 | 3,797 |
| Average total loans | $102,898,800 | 3,335 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6758% | 1,143 |
| Cost of funding earning assets | 0.7128% | 784 |
| Net interest margin | 3.9630% | 1,834 |
| Noninterest income to average assets | 0.4788% | 3,510 |
| Noninterest expense to average assets | 2.8710% | 2,935 |
| Loan and lease loss provision to assets | -0.0232% | 5,854 |
| Net operating income to assets | 1.2267% | 1,565 |
| Return on assets (ROA) | 1.2267% | 1,624 |
| Pretax return on assets | 1.2267% | 2,704 |
| Return on Equity (ROE) | 11.5741% | 1,504 |
| Retained earnings to average equity (ytd only) | 5.4019% | 2,643 |
| Net charge-offs to loans | 0.0090% | 3,846 |
| Credit loss provision to net charge-offs | -357.1429% | 5,302 |
| Earnings coverage of net charge-offs (x) | 185.3473% | 385 |
| Efficiency ratio | 70.4623% | 3,140 |
| Assets per employee ($millions) | 4.0617% | 3,777 |
| Cash dividends to net income (ytd only)* | 53.3286% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3304% | 550 |
| Loan loss allowance to noncurrent loans | 246.8130% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 3,235 |
| Noncurrent loans to loans | 0.9442% | 2,612 |
| Net loans and leases to total assets | 69.6356% | 2,442 |
| Net loans and leases to deposits | 80.3405% | 2,844 |
| Net loans and leases to core deposits | 87.3518% | 2,720 |
| Total domestic deposits to total assets | 86.6756% | 2,196 |
| Equity capital to assets | 10.9764% | 3,055 |
| Core capital (leverage) ratio | 10.5509% | 2,987 |
| Tier 1 risk-based capital ratio | 16.2208% | 2,701 |
| Total risk-based capital ratio | 17.4869% | 2,653 |
| Memoranda: | ||
| Average total assets | $143,687,000 | 3,690 |
| Average earning assets | $130,370,750 | 3,720 |
| Average equity | $15,229,000 | 3,832 |
| Average total loans | $103,120,500 | 3,360 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 1,232 |
| Cost of funding earning assets | 0.7286% | 724 |
| Net interest margin | 3.8913% | 2,010 |
| Noninterest income to average assets | 0.4175% | 3,943 |
| Noninterest expense to average assets | 2.7518% | 3,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1845% | 1,653 |
| Return on assets (ROA) | 1.1845% | 1,718 |
| Pretax return on assets | 1.1845% | 2,838 |
| Return on Equity (ROE) | 11.3083% | 1,586 |
| Retained earnings to average equity (ytd only) | 4.5948% | 3,112 |
| Net charge-offs to loans | 0.0135% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 518 |
| Efficiency ratio | 69.9084% | 3,343 |
| Assets per employee ($millions) | 4.0801% | 3,723 |
| Cash dividends to net income (ytd only)* | 59.3677% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2640% | 668 |
| Loan loss allowance to noncurrent loans | 262.4176% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 3,511 |
| Noncurrent loans to loans | 0.8628% | 2,971 |
| Net loans and leases to total assets | 72.1883% | 1,948 |
| Net loans and leases to deposits | 81.5426% | 2,617 |
| Net loans and leases to core deposits | 89.4751% | 2,393 |
| Total domestic deposits to total assets | 88.5283% | 1,396 |
| Equity capital to assets | 10.6538% | 3,267 |
| Core capital (leverage) ratio | 10.3640% | 3,126 |
| Tier 1 risk-based capital ratio | 15.5844% | 3,054 |
| Total risk-based capital ratio | 16.8507% | 2,996 |
| Memoranda: | ||
| Average total assets | $144,196,000 | 3,714 |
| Average earning assets | $130,392,670 | 3,744 |
| Average equity | $15,104,000 | 3,869 |
| Average total loans | $103,708,670 | 3,366 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 1,110 |
| Cost of funding earning assets | 0.7684% | 595 |
| Net interest margin | 3.8913% | 1,930 |
| Noninterest income to average assets | 0.3893% | 4,096 |
| Noninterest expense to average assets | 3.0202% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8503% | 3,008 |
| Return on assets (ROA) | 0.8503% | 3,125 |
| Pretax return on assets | 0.8503% | 4,060 |
| Return on Equity (ROE) | 8.1866% | 2,862 |
| Retained earnings to average equity (ytd only) | 0.0532% | 5,356 |
| Net charge-offs to loans | -0.0272% | 5,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0314% | 2,183 |
| Assets per employee ($millions) | 3.9973% | 3,960 |
| Cash dividends to net income (ytd only)* | 99.3506% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3968% | 616 |
| Loan loss allowance to noncurrent loans | 221.9039% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7519% | 3,238 |
| Noncurrent loans to loans | 1.0801% | 2,602 |
| Net loans and leases to total assets | 67.9446% | 2,447 |
| Net loans and leases to deposits | 77.7479% | 2,836 |
| Net loans and leases to core deposits | 85.6496% | 2,587 |
| Total domestic deposits to total assets | 87.3909% | 2,170 |
| Equity capital to assets | 10.4959% | 3,540 |
| Core capital (leverage) ratio | 10.0070% | 3,588 |
| Tier 1 risk-based capital ratio | 15.6953% | 3,062 |
| Total risk-based capital ratio | 16.9619% | 2,992 |
| Memoranda: | ||
| Average total assets | $144,892,500 | 3,729 |
| Average earning assets | $129,623,000 | 3,793 |
| Average equity | $15,049,000 | 3,907 |
| Average total loans | $102,825,500 | 3,400 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 1,162 |
| Cost of funding earning assets | 0.8522% | 500 |
| Net interest margin | 3.9222% | 2,152 |
| Noninterest income to average assets | 0.3928% | 4,243 |
| Noninterest expense to average assets | 2.6763% | 3,959 |
| Loan and lease loss provision to assets | -0.0169% | 5,933 |
| Net operating income to assets | 1.2702% | 1,369 |
| Return on assets (ROA) | 1.2702% | 1,420 |
| Pretax return on assets | 1.2709% | 2,345 |
| Return on Equity (ROE) | 12.7457% | 1,196 |
| Retained earnings to average equity (ytd only) | 0.2781% | 5,652 |
| Net charge-offs to loans | 0.0097% | 4,712 |
| Credit loss provision to net charge-offs | -250.0000% | 5,674 |
| Earnings coverage of net charge-offs (x) | 185.5000% | 288 |
| Efficiency ratio | 68.0943% | 3,887 |
| Assets per employee ($millions) | 4.1680% | 3,598 |
| Cash dividends to net income (ytd only)* | 97.8180% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2697% | 753 |
| Loan loss allowance to noncurrent loans | 126.3325% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.2990% | 2,170 |
| Noncurrent loans to loans | 1.7966% | 1,604 |
| Net loans and leases to total assets | 70.6610% | 2,133 |
| Net loans and leases to deposits | 80.5088% | 2,665 |
| Net loans and leases to core deposits | 88.8269% | 2,402 |
| Total domestic deposits to total assets | 87.7681% | 1,888 |
| Equity capital to assets | 10.2782% | 3,756 |
| Core capital (leverage) ratio | 9.7989% | 3,835 |
| Tier 1 risk-based capital ratio | 15.4335% | 3,256 |
| Total risk-based capital ratio | 16.6973% | 3,187 |
| Memoranda: | ||
| Average total assets | $147,927,800 | 3,665 |
| Average earning assets | $133,421,400 | 3,699 |
| Average equity | $14,742,200 | 3,888 |
| Average total loans | $103,042,800 | 3,357 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 1,374 |
| Cost of funding earning assets | 0.8626% | 509 |
| Net interest margin | 3.8100% | 2,577 |
| Noninterest income to average assets | 0.3629% | 4,524 |
| Noninterest expense to average assets | 2.7647% | 3,590 |
| Loan and lease loss provision to assets | -0.0449% | 6,170 |
| Net operating income to assets | 1.0779% | 2,122 |
| Return on assets (ROA) | 1.0779% | 2,187 |
| Pretax return on assets | 1.0787% | 3,274 |
| Return on Equity (ROE) | 10.8995% | 1,828 |
| Retained earnings to average equity (ytd only) | -4.0146% | 6,208 |
| Net charge-offs to loans | 0.0130% | 4,290 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | 115.1260% | 514 |
| Efficiency ratio | 72.7832% | 3,044 |
| Assets per employee ($millions) | 4.0928% | 3,685 |
| Cash dividends to net income (ytd only)* | 136.8334% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2913% | 832 |
| Loan loss allowance to noncurrent loans | 85.4670% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.8820% | 1,558 |
| Noncurrent loans to loans | 2.6810% | 1,068 |
| Net loans and leases to total assets | 68.5917% | 2,453 |
| Net loans and leases to deposits | 77.9398% | 2,960 |
| Net loans and leases to core deposits | 86.7933% | 2,574 |
| Total domestic deposits to total assets | 88.0060% | 1,767 |
| Equity capital to assets | 9.7944% | 4,430 |
| Core capital (leverage) ratio | 9.4940% | 4,386 |
| Tier 1 risk-based capital ratio | 15.2156% | 3,462 |
| Total risk-based capital ratio | 16.4797% | 3,399 |
| Memoranda: | ||
| Average total assets | $148,439,500 | 3,685 |
| Average earning assets | $133,856,000 | 3,722 |
| Average equity | $14,679,250 | 3,915 |
| Average total loans | $102,434,750 | 3,401 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5954% | 1,541 |
| Cost of funding earning assets | 0.8639% | 520 |
| Net interest margin | 3.7316% | 2,834 |
| Noninterest income to average assets | 0.3736% | 4,449 |
| Noninterest expense to average assets | 2.6464% | 4,070 |
| Loan and lease loss provision to assets | 0.1344% | 1,840 |
| Net operating income to assets | 0.9704% | 2,453 |
| Return on assets (ROA) | 0.9704% | 2,538 |
| Pretax return on assets | 0.9717% | 3,605 |
| Return on Equity (ROE) | 9.7819% | 2,249 |
| Retained earnings to average equity (ytd only) | -3.2651% | 6,112 |
| Net charge-offs to loans | -0.1273% | 6,217 |
| Credit loss provision to net charge-offs | -153.8462% | 5,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5229% | 3,569 |
| Assets per employee ($millions) | 4.1690% | 3,513 |
| Cash dividends to net income (ytd only)* | 133.3795% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5263% | 686 |
| Loan loss allowance to noncurrent loans | 76.8957% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 2.3137% | 1,277 |
| Noncurrent loans to loans | 3.2853% | 847 |
| Net loans and leases to total assets | 68.6457% | 2,302 |
| Net loans and leases to deposits | 78.1727% | 2,778 |
| Net loans and leases to core deposits | 87.1530% | 2,400 |
| Total domestic deposits to total assets | 87.8129% | 2,027 |
| Equity capital to assets | 10.0921% | 3,982 |
| Core capital (leverage) ratio | 9.6320% | 4,139 |
| Tier 1 risk-based capital ratio | 15.6679% | 3,261 |
| Total risk-based capital ratio | 16.9345% | 3,194 |
| Memoranda: | ||
| Average total assets | $148,806,000 | 3,695 |
| Average earning assets | $134,742,670 | 3,732 |
| Average equity | $14,762,000 | 3,900 |
| Average total loans | $102,102,000 | 3,414 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 1,620 |
| Cost of funding earning assets | 0.8743% | 520 |
| Net interest margin | 3.6826% | 2,938 |
| Noninterest income to average assets | 0.3967% | 4,216 |
| Noninterest expense to average assets | 2.7660% | 3,691 |
| Loan and lease loss provision to assets | 0.1331% | 1,820 |
| Net operating income to assets | 0.8253% | 3,028 |
| Return on assets (ROA) | 0.8253% | 3,099 |
| Pretax return on assets | 0.8279% | 3,982 |
| Return on Equity (ROE) | 8.3897% | 2,743 |
| Retained earnings to average equity (ytd only) | -0.5954% | 5,661 |
| Net charge-offs to loans | 0.0039% | 3,594 |
| Credit loss provision to net charge-offs | 5,000.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 131 |
| Efficiency ratio | 74.2143% | 3,089 |
| Assets per employee ($millions) | 4.5476% | 2,902 |
| Cash dividends to net income (ytd only)* | 107.0968% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5095% | 808 |
| Loan loss allowance to noncurrent loans | 72.4219% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 2.3142% | 1,416 |
| Noncurrent loans to loans | 3.4651% | 856 |
| Net loans and leases to total assets | 64.1739% | 2,861 |
| Net loans and leases to deposits | 72.8368% | 3,230 |
| Net loans and leases to core deposits | 81.7880% | 2,758 |
| Total domestic deposits to total assets | 88.1064% | 2,171 |
| Equity capital to assets | 9.8906% | 3,968 |
| Core capital (leverage) ratio | 9.5811% | 4,159 |
| Tier 1 risk-based capital ratio | 16.0071% | 3,168 |
| Total risk-based capital ratio | 17.2721% | 3,113 |
| Memoranda: | ||
| Average total assets | $150,251,000 | 3,702 |
| Average earning assets | $135,880,500 | 3,733 |
| Average equity | $14,780,000 | 3,901 |
| Average total loans | $101,772,500 | 3,431 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7530% | 1,434 |
| Cost of funding earning assets | 1.0096% | 423 |
| Net interest margin | 3.7434% | 2,885 |
| Noninterest income to average assets | 0.4459% | 4,115 |
| Noninterest expense to average assets | 2.5978% | 4,472 |
| Loan and lease loss provision to assets | 0.2302% | 1,574 |
| Net operating income to assets | 1.0260% | 2,218 |
| Return on assets (ROA) | 1.0644% | 2,144 |
| Pretax return on assets | 1.0657% | 3,088 |
| Return on Equity (ROE) | 11.0299% | 1,757 |
| Retained earnings to average equity (ytd only) | 4.6683% | 2,835 |
| Net charge-offs to loans | 0.6581% | 987 |
| Credit loss provision to net charge-offs | 50.2890% | 3,805 |
| Earnings coverage of net charge-offs (x) | 2.7471% | 4,085 |
| Efficiency ratio | 67.3816% | 4,311 |
| Assets per employee ($millions) | 4.5585% | 2,807 |
| Cash dividends to net income (ytd only)* | 57.6756% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3196% | 1,021 |
| Loan loss allowance to noncurrent loans | 79.3599% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 2.0554% | 1,745 |
| Noncurrent loans to loans | 2.9229% | 1,196 |
| Net loans and leases to total assets | 68.0243% | 2,355 |
| Net loans and leases to deposits | 78.1561% | 2,702 |
| Net loans and leases to core deposits | 88.8975% | 2,145 |
| Total domestic deposits to total assets | 87.0365% | 2,705 |
| Equity capital to assets | 9.7833% | 4,060 |
| Core capital (leverage) ratio | 9.4381% | 4,357 |
| Tier 1 risk-based capital ratio | 15.2977% | 3,483 |
| Total risk-based capital ratio | 16.5646% | 3,424 |
| Memoranda: | ||
| Average total assets | $151,165,800 | 3,682 |
| Average earning assets | $137,682,800 | 3,701 |
| Average equity | $14,587,600 | 3,947 |
| Average total loans | $105,158,000 | 3,338 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7502% | 1,473 |
| Cost of funding earning assets | 1.0385% | 408 |
| Net interest margin | 3.7117% | 2,985 |
| Noninterest income to average assets | 0.4704% | 3,999 |
| Noninterest expense to average assets | 2.6032% | 4,379 |
| Loan and lease loss provision to assets | 0.2414% | 1,490 |
| Net operating income to assets | 0.9963% | 2,389 |
| Return on assets (ROA) | 1.0052% | 2,442 |
| Pretax return on assets | 1.0069% | 3,477 |
| Return on Equity (ROE) | 10.4519% | 2,022 |
| Retained earnings to average equity (ytd only) | 5.2122% | 2,927 |
| Net charge-offs to loans | 0.5573% | 1,137 |
| Credit loss provision to net charge-offs | 62.2727% | 3,247 |
| Earnings coverage of net charge-offs (x) | 3.1977% | 3,771 |
| Efficiency ratio | 67.7442% | 4,141 |
| Assets per employee ($millions) | 4.4831% | 2,911 |
| Cash dividends to net income (ytd only)* | 50.1315% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5198% | 911 |
| Loan loss allowance to noncurrent loans | 81.8324% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 2.1171% | 1,885 |
| Noncurrent loans to loans | 3.0792% | 1,295 |
| Net loans and leases to total assets | 66.1921% | 2,608 |
| Net loans and leases to deposits | 75.2435% | 3,059 |
| Net loans and leases to core deposits | 85.1476% | 2,521 |
| Total domestic deposits to total assets | 87.9706% | 2,151 |
| Equity capital to assets | 9.5063% | 4,548 |
| Core capital (leverage) ratio | 9.3407% | 4,628 |
| Tier 1 risk-based capital ratio | 14.9602% | 3,773 |
| Total risk-based capital ratio | 16.2291% | 3,711 |
| Memoranda: | ||
| Average total assets | $151,349,750 | 3,716 |
| Average earning assets | $137,507,750 | 3,743 |
| Average equity | $14,555,250 | 3,999 |
| Average total loans | $105,257,750 | 3,359 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 1,283 |
| Cost of funding earning assets | 1.0576% | 411 |
| Net interest margin | 3.7650% | 2,693 |
| Noninterest income to average assets | 0.5033% | 3,809 |
| Noninterest expense to average assets | 2.5949% | 4,406 |
| Loan and lease loss provision to assets | 0.2623% | 1,413 |
| Net operating income to assets | 1.0716% | 2,032 |
| Return on assets (ROA) | 1.0848% | 2,089 |
| Pretax return on assets | 1.0875% | 3,146 |
| Return on Equity (ROE) | 11.2369% | 1,737 |
| Retained earnings to average equity (ytd only) | 6.2016% | 2,321 |
| Net charge-offs to loans | 0.5914% | 1,117 |
| Credit loss provision to net charge-offs | 63.2588% | 2,959 |
| Earnings coverage of net charge-offs (x) | 3.2236% | 3,451 |
| Efficiency ratio | 66.0040% | 4,542 |
| Assets per employee ($millions) | 4.3221% | 3,134 |
| Cash dividends to net income (ytd only)* | 44.8107% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5398% | 946 |
| Loan loss allowance to noncurrent loans | 86.3312% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 2.0784% | 2,077 |
| Noncurrent loans to loans | 2.9420% | 1,522 |
| Net loans and leases to total assets | 67.4500% | 2,347 |
| Net loans and leases to deposits | 76.4458% | 2,815 |
| Net loans and leases to core deposits | 86.8750% | 2,244 |
| Total domestic deposits to total assets | 88.2325% | 2,089 |
| Equity capital to assets | 9.5814% | 4,473 |
| Core capital (leverage) ratio | 9.2811% | 4,577 |
| Tier 1 risk-based capital ratio | 15.2564% | 3,622 |
| Total risk-based capital ratio | 16.5243% | 3,567 |
| Memoranda: | ||
| Average total assets | $150,991,000 | 3,746 |
| Average earning assets | $137,478,000 | 3,765 |
| Average equity | $14,577,000 | 4,028 |
| Average total loans | $105,843,000 | 3,358 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 1,041 |
| Cost of funding earning assets | 1.0922% | 391 |
| Net interest margin | 3.8228% | 2,368 |
| Noninterest income to average assets | 0.5568% | 3,388 |
| Noninterest expense to average assets | 2.6543% | 4,231 |
| Loan and lease loss provision to assets | 0.3500% | 931 |
| Net operating income to assets | 1.0184% | 2,151 |
| Return on assets (ROA) | 1.0368% | 2,192 |
| Pretax return on assets | 1.0421% | 3,176 |
| Return on Equity (ROE) | 10.6988% | 1,793 |
| Retained earnings to average equity (ytd only) | 4.4875% | 3,540 |
| Net charge-offs to loans | 0.8232% | 728 |
| Credit loss provision to net charge-offs | 60.2740% | 2,440 |
| Earnings coverage of net charge-offs (x) | 2.3653% | 3,059 |
| Efficiency ratio | 65.8986% | 4,681 |
| Assets per employee ($millions) | 4.3673% | 3,208 |
| Cash dividends to net income (ytd only)* | 58.0563% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6017% | 1,010 |
| Loan loss allowance to noncurrent loans | 116.9278% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 1.5034% | 2,997 |
| Noncurrent loans to loans | 2.2251% | 2,358 |
| Net loans and leases to total assets | 65.8073% | 2,407 |
| Net loans and leases to deposits | 74.5085% | 2,852 |
| Net loans and leases to core deposits | 83.9833% | 2,323 |
| Total domestic deposits to total assets | 88.3218% | 2,114 |
| Equity capital to assets | 9.5828% | 4,734 |
| Core capital (leverage) ratio | 9.1353% | 4,661 |
| Tier 1 risk-based capital ratio | 15.1704% | 3,725 |
| Total risk-based capital ratio | 16.4355% | 3,667 |
| Memoranda: | ||
| Average total assets | $150,850,500 | 3,790 |
| Average earning assets | $136,969,000 | 3,814 |
| Average equity | $14,618,500 | 4,071 |
| Average total loans | $106,418,500 | 3,373 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3128% | 905 |
| Cost of funding earning assets | 1.4230% | 236 |
| Net interest margin | 3.8898% | 2,871 |
| Noninterest income to average assets | 0.3983% | 4,621 |
| Noninterest expense to average assets | 2.7442% | 4,236 |
| Loan and lease loss provision to assets | 0.3417% | 1,964 |
| Net operating income to assets | 0.8333% | 3,124 |
| Return on assets (ROA) | 0.8605% | 3,243 |
| Pretax return on assets | 0.8605% | 4,064 |
| Return on Equity (ROE) | 8.8394% | 2,711 |
| Retained earnings to average equity (ytd only) | 2.1119% | 4,740 |
| Net charge-offs to loans | 0.3494% | 2,887 |
| Credit loss provision to net charge-offs | 137.9121% | 1,999 |
| Earnings coverage of net charge-offs (x) | 4.7418% | 3,272 |
| Efficiency ratio | 70.0191% | 3,813 |
| Assets per employee ($millions) | 4.3778% | 3,195 |
| Cash dividends to net income (ytd only)* | 76.1076% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5320% | 1,095 |
| Loan loss allowance to noncurrent loans | 91.4606% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 2.0377% | 2,404 |
| Noncurrent loans to loans | 2.7684% | 1,906 |
| Net loans and leases to total assets | 71.7429% | 1,525 |
| Net loans and leases to deposits | 81.4413% | 2,081 |
| Net loans and leases to core deposits | 90.9536% | 1,724 |
| Total domestic deposits to total assets | 88.0916% | 2,177 |
| Equity capital to assets | 9.8015% | 4,446 |
| Core capital (leverage) ratio | 9.3015% | 4,415 |
| Tier 1 risk-based capital ratio | 14.1269% | 4,294 |
| Total risk-based capital ratio | 15.4000% | 4,233 |
| Memoranda: | ||
| Average total assets | $146,891,200 | 3,829 |
| Average earning assets | $132,962,200 | 3,844 |
| Average equity | $14,299,600 | 4,103 |
| Average total loans | $104,181,200 | 3,421 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3550% | 912 |
| Cost of funding earning assets | 1.5175% | 188 |
| Net interest margin | 3.8375% | 3,175 |
| Noninterest income to average assets | 0.2568% | 5,723 |
| Noninterest expense to average assets | 2.6975% | 4,374 |
| Loan and lease loss provision to assets | 0.2732% | 2,391 |
| Net operating income to assets | 0.7614% | 3,647 |
| Return on assets (ROA) | 0.7978% | 3,705 |
| Pretax return on assets | 0.7978% | 4,491 |
| Return on Equity (ROE) | 8.2094% | 3,180 |
| Retained earnings to average equity (ytd only) | 0.6748% | 5,883 |
| Net charge-offs to loans | 0.4551% | 2,279 |
| Credit loss provision to net charge-offs | 85.4701% | 3,446 |
| Earnings coverage of net charge-offs (x) | 3.2365% | 3,734 |
| Efficiency ratio | 72.2792% | 3,271 |
| Assets per employee ($millions) | 4.3212% | 3,230 |
| Cash dividends to net income (ytd only)* | 91.7806% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4148% | 1,330 |
| Loan loss allowance to noncurrent loans | 72.9196% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.5265% | 2,091 |
| Noncurrent loans to loans | 3.3116% | 1,658 |
| Net loans and leases to total assets | 71.1022% | 1,710 |
| Net loans and leases to deposits | 81.3146% | 2,208 |
| Net loans and leases to core deposits | 90.9965% | 1,874 |
| Total domestic deposits to total assets | 87.4409% | 2,389 |
| Equity capital to assets | 9.8890% | 4,656 |
| Core capital (leverage) ratio | 9.0112% | 5,050 |
| Tier 1 risk-based capital ratio | 13.8443% | 4,662 |
| Total risk-based capital ratio | 15.1121% | 4,599 |
| Memoranda: | ||
| Average total assets | $146,403,000 | 3,872 |
| Average earning assets | $132,582,500 | 3,888 |
| Average equity | $14,227,250 | 4,156 |
| Average total loans | $102,836,750 | 3,489 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0494% | 1,666 |
| Cost of funding earning assets | 1.5841% | 165 |
| Net interest margin | 3.4653% | 4,816 |
| Noninterest income to average assets | 0.5061% | 3,888 |
| Noninterest expense to average assets | 2.6752% | 4,516 |
| Loan and lease loss provision to assets | 0.2052% | 3,016 |
| Net operating income to assets | 0.7522% | 3,594 |
| Return on assets (ROA) | 0.8069% | 3,625 |
| Pretax return on assets | 0.8069% | 4,455 |
| Return on Equity (ROE) | 8.3530% | 3,088 |
| Retained earnings to average equity (ytd only) | -0.7928% | 6,177 |
| Net charge-offs to loans | 0.6842% | 1,619 |
| Credit loss provision to net charge-offs | 43.2277% | 4,188 |
| Earnings coverage of net charge-offs (x) | 2.0173% | 3,981 |
| Efficiency ratio | 73.6446% | 3,133 |
| Assets per employee ($millions) | 4.2523% | 3,353 |
| Cash dividends to net income (ytd only)* | 109.4915% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3364% | 1,523 |
| Loan loss allowance to noncurrent loans | 69.4476% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 2.3598% | 2,365 |
| Noncurrent loans to loans | 3.3642% | 1,724 |
| Net loans and leases to total assets | 68.5035% | 2,199 |
| Net loans and leases to deposits | 80.2817% | 2,345 |
| Net loans and leases to core deposits | 90.9888% | 1,874 |
| Total domestic deposits to total assets | 85.3288% | 3,698 |
| Equity capital to assets | 9.5721% | 4,946 |
| Core capital (leverage) ratio | 9.0205% | 4,884 |
| Tier 1 risk-based capital ratio | 13.6681% | 4,698 |
| Total risk-based capital ratio | 14.9257% | 4,659 |
| Memoranda: | ||
| Average total assets | $146,230,330 | 3,899 |
| Average earning assets | $131,937,330 | 3,924 |
| Average equity | $14,126,670 | 4,175 |
| Average total loans | $101,432,670 | 3,535 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1108% | 1,545 |
| Cost of funding earning assets | 1.6595% | 144 |
| Net interest margin | 3.4513% | 4,912 |
| Noninterest income to average assets | 0.5658% | 3,455 |
| Noninterest expense to average assets | 2.6771% | 4,519 |
| Loan and lease loss provision to assets | 0.2760% | 2,252 |
| Net operating income to assets | 0.7065% | 3,855 |
| Return on assets (ROA) | 0.8169% | 3,542 |
| Pretax return on assets | 0.8169% | 4,355 |
| Return on Equity (ROE) | 8.4169% | 3,095 |
| Retained earnings to average equity (ytd only) | -5.0615% | 6,585 |
| Net charge-offs to loans | 0.1761% | 3,040 |
| Credit loss provision to net charge-offs | 227.2727% | 1,226 |
| Earnings coverage of net charge-offs (x) | 8.0909% | 2,001 |
| Efficiency ratio | 73.1523% | 3,233 |
| Assets per employee ($millions) | 4.1810% | 3,619 |
| Cash dividends to net income (ytd only)* | 160.1351% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7712% | 1,033 |
| Loan loss allowance to noncurrent loans | 62.2428% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.9556% | 1,958 |
| Noncurrent loans to loans | 4.4523% | 1,320 |
| Net loans and leases to total assets | 64.5434% | 2,751 |
| Net loans and leases to deposits | 75.7009% | 2,844 |
| Net loans and leases to core deposits | 86.1612% | 2,275 |
| Total domestic deposits to total assets | 85.2611% | 3,899 |
| Equity capital to assets | 9.5870% | 4,666 |
| Core capital (leverage) ratio | 9.1248% | 4,647 |
| Tier 1 risk-based capital ratio | 13.8015% | 4,610 |
| Total risk-based capital ratio | 15.0548% | 4,590 |
| Memoranda: | ||
| Average total assets | $144,931,000 | 3,959 |
| Average earning assets | $129,921,500 | 3,991 |
| Average equity | $14,067,000 | 4,187 |
| Average total loans | $99,953,000 | 3,599 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6709% | 828 |
| Cost of funding earning assets | 1.9468% | 119 |
| Net interest margin | 3.7241% | 4,181 |
| Noninterest income to average assets | 0.4411% | 4,295 |
| Noninterest expense to average assets | 2.5137% | 5,425 |
| Loan and lease loss provision to assets | 0.5192% | 2,025 |
| Net operating income to assets | 0.7808% | 3,134 |
| Return on assets (ROA) | 0.7808% | 3,293 |
| Pretax return on assets | 0.7808% | 4,049 |
| Return on Equity (ROE) | 8.3441% | 2,742 |
| Retained earnings to average equity (ytd only) | 1.6322% | 5,043 |
| Net charge-offs to loans | 0.7245% | 2,342 |
| Credit loss provision to net charge-offs | 98.6979% | 3,635 |
| Earnings coverage of net charge-offs (x) | 2.4714% | 3,977 |
| Efficiency ratio | 65.9124% | 4,790 |
| Assets per employee ($millions) | 4.1008% | 3,645 |
| Cash dividends to net income (ytd only)* | 80.4386% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5651% | 1,230 |
| Loan loss allowance to noncurrent loans | 66.6498% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 2.7556% | 2,204 |
| Noncurrent loans to loans | 3.8486% | 1,633 |
| Net loans and leases to total assets | 69.7627% | 2,080 |
| Net loans and leases to deposits | 82.1282% | 2,182 |
| Net loans and leases to core deposits | 94.6837% | 1,623 |
| Total domestic deposits to total assets | 84.9437% | 3,882 |
| Equity capital to assets | 9.8274% | 4,403 |
| Core capital (leverage) ratio | 9.3429% | 4,262 |
| Tier 1 risk-based capital ratio | 13.1016% | 4,993 |
| Total risk-based capital ratio | 14.3423% | 4,971 |
| Memoranda: | ||
| Average total assets | $146,001,200 | 3,876 |
| Average earning assets | $132,219,800 | 3,883 |
| Average equity | $13,662,400 | 4,197 |
| Average total loans | $106,005,400 | 3,476 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6600% | 916 |
| Cost of funding earning assets | 2.0194% | 110 |
| Net interest margin | 3.6405% | 4,615 |
| Noninterest income to average assets | 0.3819% | 4,792 |
| Noninterest expense to average assets | 2.5098% | 5,432 |
| Loan and lease loss provision to assets | 0.5529% | 1,778 |
| Net operating income to assets | 0.6275% | 3,980 |
| Return on assets (ROA) | 0.6275% | 4,160 |
| Pretax return on assets | 0.6275% | 4,719 |
| Return on Equity (ROE) | 6.7886% | 3,616 |
| Retained earnings to average equity (ytd only) | 1.8595% | 5,211 |
| Net charge-offs to loans | 0.8550% | 1,855 |
| Credit loss provision to net charge-offs | 88.7591% | 3,813 |
| Earnings coverage of net charge-offs (x) | 1.8949% | 4,242 |
| Efficiency ratio | 68.0138% | 4,307 |
| Assets per employee ($millions) | 4.0637% | 3,709 |
| Cash dividends to net income (ytd only)* | 72.6081% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4505% | 1,468 |
| Loan loss allowance to noncurrent loans | 52.0778% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 3.4683% | 1,819 |
| Noncurrent loans to loans | 4.7055% | 1,370 |
| Net loans and leases to total assets | 71.9018% | 1,730 |
| Net loans and leases to deposits | 85.5460% | 1,747 |
| Net loans and leases to core deposits | 98.6524% | 1,373 |
| Total domestic deposits to total assets | 84.0505% | 4,203 |
| Equity capital to assets | 9.8981% | 4,481 |
| Core capital (leverage) ratio | 9.1875% | 4,643 |
| Tier 1 risk-based capital ratio | 12.8402% | 5,212 |
| Total risk-based capital ratio | 14.0708% | 5,213 |
| Memoranda: | ||
| Average total assets | $146,619,500 | 3,878 |
| Average earning assets | $133,236,750 | 3,889 |
| Average equity | $13,551,750 | 4,229 |
| Average total loans | $106,815,500 | 3,488 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6526% | 957 |
| Cost of funding earning assets | 2.1043% | 99 |
| Net interest margin | 3.5484% | 4,926 |
| Noninterest income to average assets | 0.2391% | 5,940 |
| Noninterest expense to average assets | 2.3987% | 5,849 |
| Loan and lease loss provision to assets | 0.5483% | 1,769 |
| Net operating income to assets | 0.5078% | 4,466 |
| Return on assets (ROA) | 0.5078% | 4,608 |
| Pretax return on assets | 0.5078% | 5,041 |
| Return on Equity (ROE) | 5.6219% | 4,144 |
| Retained earnings to average equity (ytd only) | 0.6280% | 5,608 |
| Net charge-offs to loans | 1.1147% | 1,412 |
| Credit loss provision to net charge-offs | 67.7796% | 4,121 |
| Earnings coverage of net charge-offs (x) | 1.3055% | 4,304 |
| Efficiency ratio | 69.4292% | 4,227 |
| Assets per employee ($millions) | 4.3224% | 3,124 |
| Cash dividends to net income (ytd only)* | 88.8298% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3849% | 1,617 |
| Loan loss allowance to noncurrent loans | 48.5070% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 3.4921% | 1,887 |
| Noncurrent loans to loans | 4.9166% | 1,338 |
| Net loans and leases to total assets | 68.3195% | 2,554 |
| Net loans and leases to deposits | 80.5576% | 2,693 |
| Net loans and leases to core deposits | 99.3617% | 1,399 |
| Total domestic deposits to total assets | 84.8082% | 3,964 |
| Equity capital to assets | 9.3031% | 5,130 |
| Core capital (leverage) ratio | 8.8709% | 4,928 |
| Tier 1 risk-based capital ratio | 12.7774% | 5,111 |
| Total risk-based capital ratio | 14.0418% | 5,070 |
| Memoranda: | ||
| Average total assets | $148,082,670 | 3,883 |
| Average earning assets | $134,202,670 | 3,905 |
| Average equity | $13,376,330 | 4,263 |
| Average total loans | $107,475,670 | 3,519 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7712% | 779 |
| Cost of funding earning assets | 2.1572% | 98 |
| Net interest margin | 3.6140% | 4,507 |
| Noninterest income to average assets | 0.2879% | 5,613 |
| Noninterest expense to average assets | 2.2874% | 6,222 |
| Loan and lease loss provision to assets | 0.6808% | 1,247 |
| Net operating income to assets | 0.5974% | 4,044 |
| Return on assets (ROA) | 0.5974% | 4,113 |
| Pretax return on assets | 0.5974% | 4,694 |
| Return on Equity (ROE) | 6.7128% | 3,525 |
| Retained earnings to average equity (ytd only) | 1.6026% | 5,150 |
| Net charge-offs to loans | 0.2077% | 3,267 |
| Credit loss provision to net charge-offs | 443.8596% | 790 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 1,833 |
| Efficiency ratio | 64.1509% | 5,344 |
| Assets per employee ($millions) | 4.3890% | 3,060 |
| Cash dividends to net income (ytd only)* | 76.1261% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6816% | 1,225 |
| Loan loss allowance to noncurrent loans | 50.7591% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 3.8137% | 1,767 |
| Noncurrent loans to loans | 5.2830% | 1,253 |
| Net loans and leases to total assets | 69.1155% | 2,302 |
| Net loans and leases to deposits | 81.0625% | 2,514 |
| Net loans and leases to core deposits | 96.9424% | 1,597 |
| Total domestic deposits to total assets | 85.2621% | 3,912 |
| Equity capital to assets | 8.9615% | 5,263 |
| Core capital (leverage) ratio | 8.8405% | 4,871 |
| Tier 1 risk-based capital ratio | 12.2902% | 5,446 |
| Total risk-based capital ratio | 13.4840% | 5,492 |
| Memoranda: | ||
| Average total assets | $148,643,500 | 3,902 |
| Average earning assets | $134,807,500 | 3,916 |
| Average equity | $13,228,500 | 4,287 |
| Average total loans | $109,785,500 | 3,495 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1302% | 655 |
| Cost of funding earning assets | 2.4647% | 124 |
| Net interest margin | 3.6656% | 4,511 |
| Noninterest income to average assets | 0.5653% | 3,709 |
| Noninterest expense to average assets | 2.4204% | 6,050 |
| Loan and lease loss provision to assets | 0.7779% | 2,108 |
| Net operating income to assets | 0.6693% | 3,350 |
| Return on assets (ROA) | 0.6719% | 3,478 |
| Pretax return on assets | 0.6739% | 4,073 |
| Return on Equity (ROE) | 8.1498% | 2,644 |
| Retained earnings to average equity (ytd only) | 6.0072% | 1,810 |
| Net charge-offs to loans | 1.2441% | 1,804 |
| Credit loss provision to net charge-offs | 80.8732% | 5,532 |
| Earnings coverage of net charge-offs (x) | 1.5066% | 4,626 |
| Efficiency ratio | 62.5495% | 5,615 |
| Assets per employee ($millions) | 4.2303% | 3,327 |
| Cash dividends to net income (ytd only)* | 26.2897% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3294% | 1,648 |
| Loan loss allowance to noncurrent loans | 47.7790% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 3.8113% | 1,797 |
| Noncurrent loans to loans | 4.8754% | 1,408 |
| Net loans and leases to total assets | 74.9318% | 1,487 |
| Net loans and leases to deposits | 88.5081% | 1,719 |
| Net loans and leases to core deposits | 114.3175% | 713 |
| Total domestic deposits to total assets | 84.6609% | 4,023 |
| Equity capital to assets | 8.8370% | 5,381 |
| Core capital (leverage) ratio | 8.7428% | 4,956 |
| Tier 1 risk-based capital ratio | 11.3339% | 6,056 |
| Total risk-based capital ratio | 12.5144% | 6,104 |
| Memoranda: | ||
| Average total assets | $150,013,800 | 3,874 |
| Average earning assets | $135,231,800 | 3,908 |
| Average equity | $12,368,400 | 4,511 |
| Average total loans | $115,985,600 | 3,404 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1328% | 713 |
| Cost of funding earning assets | 2.5242% | 128 |
| Net interest margin | 3.6086% | 4,832 |
| Noninterest income to average assets | 0.6095% | 3,380 |
| Noninterest expense to average assets | 2.3636% | 6,138 |
| Loan and lease loss provision to assets | 0.8806% | 1,728 |
| Net operating income to assets | 0.6139% | 3,819 |
| Return on assets (ROA) | 0.6175% | 3,972 |
| Pretax return on assets | 0.6175% | 4,539 |
| Return on Equity (ROE) | 7.6239% | 3,058 |
| Retained earnings to average equity (ytd only) | 5.1300% | 2,893 |
| Net charge-offs to loans | 1.4135% | 1,439 |
| Credit loss provision to net charge-offs | 80.4207% | 5,120 |
| Earnings coverage of net charge-offs (x) | 1.3649% | 4,712 |
| Efficiency ratio | 61.2629% | 5,740 |
| Assets per employee ($millions) | 4.3975% | 3,084 |
| Cash dividends to net income (ytd only)* | 32.7114% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3623% | 1,526 |
| Loan loss allowance to noncurrent loans | 61.2992% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 2.9943% | 2,428 |
| Noncurrent loans to loans | 3.8537% | 1,980 |
| Net loans and leases to total assets | 74.0849% | 1,784 |
| Net loans and leases to deposits | 88.1462% | 1,991 |
| Net loans and leases to core deposits | 113.9741% | 834 |
| Total domestic deposits to total assets | 84.0478% | 4,107 |
| Equity capital to assets | 8.4620% | 6,325 |
| Core capital (leverage) ratio | 8.2689% | 5,928 |
| Tier 1 risk-based capital ratio | 11.1121% | 6,269 |
| Total risk-based capital ratio | 12.3768% | 6,253 |
| Memoranda: | ||
| Average total assets | $150,502,250 | 3,918 |
| Average earning assets | $135,486,750 | 3,959 |
| Average equity | $12,189,500 | 4,628 |
| Average total loans | $116,584,500 | 3,436 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2481% | 567 |
| Cost of funding earning assets | 2.5838% | 132 |
| Net interest margin | 3.6644% | 4,524 |
| Noninterest income to average assets | 0.5105% | 4,023 |
| Noninterest expense to average assets | 2.3404% | 6,246 |
| Loan and lease loss provision to assets | 0.8698% | 1,673 |
| Net operating income to assets | 0.6007% | 3,874 |
| Return on assets (ROA) | 0.6007% | 4,012 |
| Pretax return on assets | 0.6007% | 4,560 |
| Return on Equity (ROE) | 7.5278% | 3,100 |
| Retained earnings to average equity (ytd only) | 4.9687% | 2,921 |
| Net charge-offs to loans | 1.0644% | 1,767 |
| Credit loss provision to net charge-offs | 104.7923% | 3,893 |
| Earnings coverage of net charge-offs (x) | 1.7716% | 4,187 |
| Efficiency ratio | 61.4127% | 5,789 |
| Assets per employee ($millions) | 4.3186% | 3,179 |
| Cash dividends to net income (ytd only)* | 33.9956% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5430% | 1,248 |
| Loan loss allowance to noncurrent loans | 69.4915% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 3.0688% | 2,317 |
| Noncurrent loans to loans | 3.6594% | 2,149 |
| Net loans and leases to total assets | 77.0488% | 1,285 |
| Net loans and leases to deposits | 91.8086% | 1,565 |
| Net loans and leases to core deposits | 121.7793% | 639 |
| Total domestic deposits to total assets | 83.9232% | 4,140 |
| Equity capital to assets | 8.3626% | 6,340 |
| Core capital (leverage) ratio | 8.0417% | 6,218 |
| Tier 1 risk-based capital ratio | 10.8745% | 6,379 |
| Total risk-based capital ratio | 12.1421% | 6,343 |
| Memoranda: | ||
| Average total assets | $150,831,330 | 3,938 |
| Average earning assets | $135,849,000 | 3,979 |
| Average equity | $12,035,330 | 4,670 |
| Average total loans | $117,630,000 | 3,445 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2118% | 628 |
| Cost of funding earning assets | 2.6819% | 126 |
| Net interest margin | 3.5299% | 5,040 |
| Noninterest income to average assets | 0.3664% | 5,213 |
| Noninterest expense to average assets | 2.3556% | 6,226 |
| Loan and lease loss provision to assets | 0.9239% | 1,375 |
| Net operating income to assets | 0.2356% | 5,558 |
| Return on assets (ROA) | 0.2356% | 5,671 |
| Pretax return on assets | 0.2356% | 5,778 |
| Return on Equity (ROE) | 3.0218% | 5,329 |
| Retained earnings to average equity (ytd only) | 0.4029% | 5,677 |
| Net charge-offs to loans | 0.9797% | 1,671 |
| Credit loss provision to net charge-offs | 121.7241% | 2,876 |
| Earnings coverage of net charge-offs (x) | 1.5276% | 3,817 |
| Efficiency ratio | 67.0141% | 4,916 |
| Assets per employee ($millions) | 4.4695% | 3,009 |
| Cash dividends to net income (ytd only)* | 86.6667% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5588% | 1,226 |
| Loan loss allowance to noncurrent loans | 86.4215% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 2.4170% | 3,011 |
| Noncurrent loans to loans | 2.9608% | 2,713 |
| Net loans and leases to total assets | 74.8026% | 1,787 |
| Net loans and leases to deposits | 88.3968% | 2,161 |
| Net loans and leases to core deposits | 121.1052% | 742 |
| Total domestic deposits to total assets | 84.6214% | 3,847 |
| Equity capital to assets | 7.8808% | 6,778 |
| Core capital (leverage) ratio | 7.6598% | 6,665 |
| Tier 1 risk-based capital ratio | 10.4580% | 6,669 |
| Total risk-based capital ratio | 11.7254% | 6,648 |
| Memoranda: | ||
| Average total assets | $152,830,500 | 3,965 |
| Average earning assets | $136,320,500 | 4,031 |
| Average equity | $11,913,500 | 4,738 |
| Average total loans | $118,402,500 | 3,484 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5979% | 554 |
| Cost of funding earning assets | 3.0307% | 210 |
| Net interest margin | 3.5672% | 4,667 |
| Noninterest income to average assets | 0.7471% | 2,699 |
| Noninterest expense to average assets | 2.5849% | 5,844 |
| Loan and lease loss provision to assets | 2.7193% | 690 |
| Net operating income to assets | -1.3301% | 6,781 |
| Return on assets (ROA) | -1.3459% | 6,792 |
| Pretax return on assets | -1.3459% | 6,624 |
| Return on Equity (ROE) | -16.4925% | 7,011 |
| Retained earnings to average equity (ytd only) | -21.6846% | 7,165 |
| Net charge-offs to loans | 2.3557% | 979 |
| Credit loss provision to net charge-offs | 143.0148% | 3,358 |
| Earnings coverage of net charge-offs (x) | 0.7306% | 5,368 |
| Efficiency ratio | 65.0437% | 5,573 |
| Assets per employee ($millions) | 4.5205% | 2,886 |
| Cash dividends to net income (ytd only)* | -31.4815% | 7,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4320% | 1,317 |
| Loan loss allowance to noncurrent loans | 59.8648% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 3.1757% | 2,178 |
| Noncurrent loans to loans | 4.0625% | 1,821 |
| Net loans and leases to total assets | 76.2702% | 1,733 |
| Net loans and leases to deposits | 89.8813% | 2,227 |
| Net loans and leases to core deposits | 141.4309% | 758 |
| Total domestic deposits to total assets | 84.8566% | 3,617 |
| Equity capital to assets | 7.7106% | 6,848 |
| Core capital (leverage) ratio | 7.8535% | 6,384 |
| Tier 1 risk-based capital ratio | 9.5196% | 7,213 |
| Total risk-based capital ratio | 10.7835% | 7,181 |
| Memoranda: | ||
| Average total assets | $152,464,600 | 3,921 |
| Average earning assets | $137,922,800 | 3,942 |
| Average equity | $12,442,000 | 4,646 |
| Average total loans | $123,061,000 | 3,417 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5315% | 701 |
| Cost of funding earning assets | 3.1145% | 233 |
| Net interest margin | 3.4171% | 5,189 |
| Noninterest income to average assets | 0.7194% | 2,887 |
| Noninterest expense to average assets | 2.6174% | 5,654 |
| Loan and lease loss provision to assets | 3.0301% | 480 |
| Net operating income to assets | -1.8209% | 7,245 |
| Return on assets (ROA) | -1.7815% | 7,230 |
| Pretax return on assets | -1.7815% | 7,080 |
| Return on Equity (ROE) | -21.5302% | 7,429 |
| Retained earnings to average equity (ytd only) | -24.1778% | 7,462 |
| Net charge-offs to loans | 2.7347% | 655 |
| Credit loss provision to net charge-offs | 136.1954% | 3,644 |
| Earnings coverage of net charge-offs (x) | 0.5435% | 5,488 |
| Efficiency ratio | 68.3994% | 4,894 |
| Assets per employee ($millions) | 4.1542% | 3,453 |
| Cash dividends to net income (ytd only)* | -12.2973% | 7,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0798% | 1,632 |
| Loan loss allowance to noncurrent loans | 52.4358% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 3.3527% | 2,006 |
| Noncurrent loans to loans | 3.9663% | 1,854 |
| Net loans and leases to total assets | 81.6651% | 871 |
| Net loans and leases to deposits | 99.0632% | 1,208 |
| Net loans and leases to core deposits | 154.7215% | 481 |
| Total domestic deposits to total assets | 82.4374% | 4,483 |
| Equity capital to assets | 8.2260% | 6,609 |
| Core capital (leverage) ratio | 8.1075% | 6,172 |
| Tier 1 risk-based capital ratio | 9.6173% | 7,296 |
| Total risk-based capital ratio | 10.8775% | 7,250 |
| Memoranda: | ||
| Average total assets | $152,156,500 | 3,945 |
| Average earning assets | $138,361,250 | 3,958 |
| Average equity | $12,589,750 | 4,636 |
| Average total loans | $123,789,500 | 3,428 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4963% | 832 |
| Cost of funding earning assets | 3.2093% | 258 |
| Net interest margin | 3.2870% | 5,601 |
| Noninterest income to average assets | 0.7045% | 2,962 |
| Noninterest expense to average assets | 2.4950% | 6,142 |
| Loan and lease loss provision to assets | 2.6218% | 586 |
| Net operating income to assets | -1.4246% | 7,209 |
| Return on assets (ROA) | -1.3658% | 7,195 |
| Pretax return on assets | -1.3658% | 7,016 |
| Return on Equity (ROE) | -16.4753% | 7,400 |
| Retained earnings to average equity (ytd only) | -19.1555% | 7,430 |
| Net charge-offs to loans | 2.5203% | 682 |
| Credit loss provision to net charge-offs | 128.9203% | 3,609 |
| Earnings coverage of net charge-offs (x) | 0.5887% | 5,124 |
| Efficiency ratio | 67.5752% | 5,234 |
| Assets per employee ($millions) | 4.1311% | 3,435 |
| Cash dividends to net income (ytd only)* | -16.2679% | 7,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 2,257 |
| Loan loss allowance to noncurrent loans | 59.2748% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 2.4328% | 2,651 |
| Noncurrent loans to loans | 2.9098% | 2,476 |
| Net loans and leases to total assets | 81.4158% | 1,068 |
| Net loans and leases to deposits | 99.4906% | 1,334 |
| Net loans and leases to core deposits | 157.2325% | 493 |
| Total domestic deposits to total assets | 81.8327% | 4,760 |
| Equity capital to assets | 8.6728% | 5,793 |
| Core capital (leverage) ratio | 8.8128% | 4,925 |
| Tier 1 risk-based capital ratio | 10.6011% | 6,291 |
| Total risk-based capital ratio | 11.8568% | 6,224 |
| Memoranda: | ||
| Average total assets | $153,025,000 | 3,949 |
| Average earning assets | $139,094,330 | 3,967 |
| Average equity | $12,685,670 | 4,632 |
| Average total loans | $123,477,670 | 3,463 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5857% | 729 |
| Cost of funding earning assets | 3.3339% | 245 |
| Net interest margin | 3.2517% | 5,686 |
| Noninterest income to average assets | 0.5594% | 3,848 |
| Noninterest expense to average assets | 2.4849% | 5,896 |
| Loan and lease loss provision to assets | 4.1836% | 222 |
| Net operating income to assets | -3.1525% | 7,865 |
| Return on assets (ROA) | -3.0365% | 7,852 |
| Pretax return on assets | -3.0365% | 7,767 |
| Return on Equity (ROE) | -37.4578% | 7,962 |
| Retained earnings to average equity (ytd only) | -39.0477% | 7,954 |
| Net charge-offs to loans | 4.8085% | 228 |
| Credit loss provision to net charge-offs | 109.2194% | 3,524 |
| Earnings coverage of net charge-offs (x) | 0.2692% | 4,759 |
| Efficiency ratio | 70.6745% | 4,433 |
| Assets per employee ($millions) | 4.1092% | 3,439 |
| Cash dividends to net income (ytd only)* | -4.2445% | 8,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 3,022 |
| Loan loss allowance to noncurrent loans | 60.7239% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 1.9856% | 2,925 |
| Noncurrent loans to loans | 2.4620% | 2,681 |
| Net loans and leases to total assets | 78.5255% | 1,688 |
| Net loans and leases to deposits | 95.8794% | 1,970 |
| Net loans and leases to core deposits | 153.1478% | 619 |
| Total domestic deposits to total assets | 81.9003% | 4,588 |
| Equity capital to assets | 8.5911% | 5,926 |
| Core capital (leverage) ratio | 8.5439% | 5,443 |
| Tier 1 risk-based capital ratio | 10.7175% | 6,170 |
| Total risk-based capital ratio | 11.9700% | 6,076 |
| Memoranda: | ||
| Average total assets | $155,178,500 | 3,924 |
| Average earning assets | $141,094,000 | 3,930 |
| Average equity | $12,579,500 | 4,685 |
| Average total loans | $123,614,000 | 3,489 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9950% | 1,142 |
| Cost of funding earning assets | 3.9360% | 122 |
| Net interest margin | 3.0590% | 6,764 |
| Noninterest income to average assets | 0.4419% | 5,097 |
| Noninterest expense to average assets | 2.2155% | 6,928 |
| Loan and lease loss provision to assets | 0.5545% | 2,598 |
| Net operating income to assets | 0.4347% | 5,012 |
| Return on assets (ROA) | 0.4359% | 4,830 |
| Pretax return on assets | 0.4726% | 5,066 |
| Return on Equity (ROE) | 5.5220% | 4,149 |
| Retained earnings to average equity (ytd only) | 0.4982% | 4,937 |
| Net charge-offs to loans | 0.2117% | 4,092 |
| Credit loss provision to net charge-offs | 328.8538% | 1,376 |
| Earnings coverage of net charge-offs (x) | 6.0830% | 3,444 |
| Efficiency ratio | 68.3529% | 4,661 |
| Assets per employee ($millions) | 4.2788% | 2,990 |
| Cash dividends to net income (ytd only)* | 90.9786% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 3,597 |
| Loan loss allowance to noncurrent loans | 40.4981% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 2.6371% | 1,811 |
| Noncurrent loans to loans | 3.2819% | 1,588 |
| Net loans and leases to total assets | 78.5454% | 1,993 |
| Net loans and leases to deposits | 95.0434% | 2,601 |
| Net loans and leases to core deposits | 154.0606% | 713 |
| Total domestic deposits to total assets | 82.6417% | 3,926 |
| Equity capital to assets | 7.6410% | 7,270 |
| Core capital (leverage) ratio | 7.9324% | 6,600 |
| Tier 1 risk-based capital ratio | 9.6455% | 7,152 |
| Total risk-based capital ratio | 10.8960% | 7,042 |
| Memoranda: | ||
| Average total assets | $150,035,000 | 3,898 |
| Average earning assets | $137,298,000 | 3,908 |
| Average equity | $11,843,600 | 4,878 |
| Average total loans | $119,528,000 | 3,472 |