Home > Burling Bank > Performance and Condition Ratios
Burling 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 | 6.1232% | 547 |
| Cost of funding earning assets | 1.7530% | 1,344 |
| Net interest margin | 4.3702% | 733 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.4884% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.1379% | 374 |
| Return on assets (ROA) | 2.1398% | 365 |
| Pretax return on assets | 2.1398% | 534 |
| Return on Equity (ROE) | 21.2700% | 521 |
| Retained earnings to average equity (ytd only) | 12.7867% | 531 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.8446% | 3,688 |
| Assets per employee ($millions) | 10.8082% | 562 |
| Cash dividends to net income (ytd only)* | 39.8788% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 1,626 |
| Loan loss allowance to noncurrent loans | 236.2895% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.4538% | 1,226 |
| Noncurrent loans to loans | 0.5651% | 1,383 |
| Net loans and leases to total assets | 79.2300% | 736 |
| Net loans and leases to deposits | 113.4376% | 141 |
| Net loans and leases to core deposits | 144.0696% | 241 |
| Total domestic deposits to total assets | 69.8400% | 4,293 |
| Equity capital to assets | 10.6581% | 1,650 |
| Core capital (leverage) ratio | 11.4571% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $208,245,400 | 2,931 |
| Average earning assets | $200,793,200 | 2,861 |
| Average equity | $20,951,400 | 2,780 |
| Average total loans | $163,370,400 | 2,573 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0533% | 496 |
| Cost of funding earning assets | 1.6554% | 1,266 |
| Net interest margin | 4.3979% | 703 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.4809% | 2,296 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 2.1700% | 390 |
| Return on assets (ROA) | 2.1725% | 387 |
| Pretax return on assets | 2.1725% | 580 |
| Return on Equity (ROE) | 21.9400% | 562 |
| Retained earnings to average equity (ytd only) | 10.3377% | 1,312 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.4913% | 3,627 |
| Assets per employee ($millions) | 10.3936% | 597 |
| Cash dividends to net income (ytd only)* | 52.8712% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 1,464 |
| Loan loss allowance to noncurrent loans | 236.0489% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 1,232 |
| Noncurrent loans to loans | 0.5915% | 1,356 |
| Net loans and leases to total assets | 78.7500% | 785 |
| Net loans and leases to deposits | 98.4479% | 587 |
| Net loans and leases to core deposits | 124.8064% | 439 |
| Total domestic deposits to total assets | 79.9900% | 3,530 |
| Equity capital to assets | 10.0374% | 1,813 |
| Core capital (leverage) ratio | 10.9868% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $206,265,750 | 2,950 |
| Average earning assets | $198,937,500 | 2,884 |
| Average equity | $20,429,500 | 2,807 |
| Average total loans | $160,816,750 | 2,603 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8672% | 524 |
| Cost of funding earning assets | 1.4494% | 1,338 |
| Net interest margin | 4.4178% | 685 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.4984% | 2,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1416% | 379 |
| Return on assets (ROA) | 2.1455% | 373 |
| Pretax return on assets | 2.1455% | 580 |
| Return on Equity (ROE) | 21.7600% | 559 |
| Retained earnings to average equity (ytd only) | 8.3118% | 1,872 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.8445% | 3,627 |
| Assets per employee ($millions) | 11.0596% | 505 |
| Cash dividends to net income (ytd only)* | 61.8034% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 1,493 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 77.7600% | 860 |
| Net loans and leases to deposits | 110.3566% | 199 |
| Net loans and leases to core deposits | 134.8247% | 265 |
| Total domestic deposits to total assets | 70.4600% | 4,342 |
| Equity capital to assets | 9.7734% | 1,988 |
| Core capital (leverage) ratio | 10.7865% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $205,730,333 | 2,963 |
| Average earning assets | $198,152,333 | 2,900 |
| Average equity | $20,284,333 | 2,837 |
| Average total loans | $159,081,000 | 2,609 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5847% | 544 |
| Cost of funding earning assets | 1.1198% | 1,697 |
| Net interest margin | 4.4649% | 614 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.5018% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1677% | 390 |
| Return on assets (ROA) | 2.1756% | 381 |
| Pretax return on assets | 2.1756% | 592 |
| Return on Equity (ROE) | 21.9700% | 584 |
| Retained earnings to average equity (ytd only) | 15.1007% | 791 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.5774% | 3,643 |
| Assets per employee ($millions) | 11.0719% | 500 |
| Cash dividends to net income (ytd only)* | 31.2556% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,399 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 75.0400% | 1,074 |
| Net loans and leases to deposits | 112.1519% | 150 |
| Net loans and leases to core deposits | 117.6441% | 496 |
| Total domestic deposits to total assets | 66.9100% | 4,472 |
| Equity capital to assets | 9.8300% | 1,914 |
| Core capital (leverage) ratio | 11.2336% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $203,529,500 | 3,016 |
| Average earning assets | $196,108,000 | 2,952 |
| Average equity | $20,158,000 | 2,876 |
| Average total loans | $155,755,500 | 2,658 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6492% | 561 |
| Cost of funding earning assets | 0.3020% | 2,858 |
| Net interest margin | 4.3471% | 383 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.3280% | 2,646 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 2.0725% | 258 |
| Return on assets (ROA) | 2.0755% | 248 |
| Pretax return on assets | 2.0755% | 398 |
| Return on Equity (ROE) | 22.1300% | 332 |
| Retained earnings to average equity (ytd only) | 11.9476% | 676 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.3008% | 4,044 |
| Assets per employee ($millions) | 10.9273% | 518 |
| Cash dividends to net income (ytd only)* | 46.0086% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 1,089 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 75.7400% | 1,032 |
| Net loans and leases to deposits | 94.4118% | 756 |
| Net loans and leases to core deposits | 99.0328% | 1,052 |
| Total domestic deposits to total assets | 80.2300% | 3,844 |
| Equity capital to assets | 9.9836% | 1,713 |
| Core capital (leverage) ratio | 11.5528% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $201,589,600 | 3,038 |
| Average earning assets | $194,013,400 | 2,978 |
| Average equity | $18,907,600 | 3,046 |
| Average total loans | $144,591,400 | 2,684 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 561 |
| Cost of funding earning assets | 0.1853% | 3,449 |
| Net interest margin | 4.2337% | 387 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.3423% | 2,507 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.9268% | 327 |
| Return on assets (ROA) | 1.9268% | 323 |
| Pretax return on assets | 1.9505% | 513 |
| Return on Equity (ROE) | 20.8700% | 371 |
| Retained earnings to average equity (ytd only) | 7.1631% | 2,316 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.8557% | 3,931 |
| Assets per employee ($millions) | 10.6339% | 548 |
| Cash dividends to net income (ytd only)* | 65.6772% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 1,181 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 75.7700% | 927 |
| Net loans and leases to deposits | 103.3832% | 252 |
| Net loans and leases to core deposits | 106.2679% | 580 |
| Total domestic deposits to total assets | 73.2900% | 4,470 |
| Equity capital to assets | 9.2983% | 2,018 |
| Core capital (leverage) ratio | 10.9178% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $202,814,000 | 3,051 |
| Average earning assets | $195,034,000 | 2,983 |
| Average equity | $18,725,250 | 3,095 |
| Average total loans | $142,910,000 | 2,709 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 666 |
| Cost of funding earning assets | 0.0979% | 4,209 |
| Net interest margin | 4.0793% | 415 |
| Noninterest income to average assets | 0.3558% | 3,023 |
| Noninterest expense to average assets | 2.2720% | 2,629 |
| Loan and lease loss provision to assets | 0.1402% | 685 |
| Net operating income to assets | 1.8282% | 317 |
| Return on assets (ROA) | 1.8282% | 311 |
| Pretax return on assets | 1.8505% | 530 |
| Return on Equity (ROE) | 19.6118% | 331 |
| Retained earnings to average equity (ytd only) | -4.5425% | 4,522 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3001% | 4,023 |
| Assets per employee ($millions) | 12.3591% | 342 |
| Cash dividends to net income (ytd only)* | 123.1623% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 74.3312% | 882 |
| Net loans and leases to deposits | 98.7975% | 315 |
| Net loans and leases to core deposits | 100.4909% | 654 |
| Total domestic deposits to total assets | 75.2359% | 4,495 |
| Equity capital to assets | 9.1360% | 2,294 |
| Core capital (leverage) ratio | 10.0027% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,865,000 | 3,050 |
| Average earning assets | $198,123,667 | 3,007 |
| Average equity | $19,284,333 | 3,127 |
| Average total loans | $141,446,667 | 2,737 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 878 |
| Cost of funding earning assets | 0.0691% | 4,458 |
| Net interest margin | 3.8624% | 551 |
| Noninterest income to average assets | 0.3500% | 2,997 |
| Noninterest expense to average assets | 2.2268% | 2,752 |
| Loan and lease loss provision to assets | 0.1495% | 527 |
| Net operating income to assets | 1.6554% | 450 |
| Return on assets (ROA) | 1.6554% | 452 |
| Pretax return on assets | 1.6762% | 714 |
| Return on Equity (ROE) | 17.5937% | 368 |
| Retained earnings to average equity (ytd only) | 12.7479% | 494 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9486% | 3,983 |
| Assets per employee ($millions) | 15.2705% | 194 |
| Cash dividends to net income (ytd only)* | 27.5429% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 1,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 63.9501% | 1,627 |
| Net loans and leases to deposits | 72.3286% | 1,753 |
| Net loans and leases to core deposits | 73.8177% | 1,955 |
| Total domestic deposits to total assets | 88.4160% | 2,329 |
| Equity capital to assets | 8.8962% | 2,804 |
| Core capital (leverage) ratio | 9.9131% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,424,500 | 3,030 |
| Average earning assets | $202,669,500 | 2,990 |
| Average equity | $19,893,500 | 3,156 |
| Average total loans | $137,573,500 | 2,772 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 1,714 |
| Cost of funding earning assets | 0.0722% | 4,575 |
| Net interest margin | 3.7941% | 1,021 |
| Noninterest income to average assets | 0.3847% | 3,135 |
| Noninterest expense to average assets | 2.2030% | 3,074 |
| Loan and lease loss provision to assets | 0.2058% | 508 |
| Net operating income to assets | 1.6208% | 758 |
| Return on assets (ROA) | 1.6208% | 800 |
| Pretax return on assets | 1.6355% | 1,322 |
| Return on Equity (ROE) | 17.0090% | 594 |
| Retained earnings to average equity (ytd only) | 12.0406% | 529 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4716% | 3,883 |
| Assets per employee ($millions) | 13.0664% | 312 |
| Cash dividends to net income (ytd only)* | 29.2108% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 1,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 64.2054% | 1,679 |
| Net loans and leases to deposits | 73.4757% | 1,771 |
| Net loans and leases to core deposits | 75.1777% | 1,981 |
| Total domestic deposits to total assets | 87.3832% | 2,345 |
| Equity capital to assets | 9.9339% | 2,719 |
| Core capital (leverage) ratio | 9.3119% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,038,600 | 3,033 |
| Average earning assets | $196,806,000 | 2,985 |
| Average equity | $19,442,600 | 3,259 |
| Average total loans | $132,955,400 | 2,816 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 2,084 |
| Cost of funding earning assets | 0.0708% | 4,687 |
| Net interest margin | 3.7014% | 1,323 |
| Noninterest income to average assets | 0.3925% | 3,134 |
| Noninterest expense to average assets | 2.1954% | 3,085 |
| Loan and lease loss provision to assets | 0.2071% | 486 |
| Net operating income to assets | 1.5451% | 1,159 |
| Return on assets (ROA) | 1.5451% | 1,201 |
| Pretax return on assets | 1.5629% | 1,815 |
| Return on Equity (ROE) | 16.3948% | 870 |
| Retained earnings to average equity (ytd only) | 9.6555% | 1,431 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3640% | 3,612 |
| Assets per employee ($millions) | 12.9623% | 308 |
| Cash dividends to net income (ytd only)* | 41.1064% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 1,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.8105% | 2,026 |
| Net loans and leases to deposits | 70.4411% | 2,193 |
| Net loans and leases to core deposits | 71.9793% | 2,425 |
| Total domestic deposits to total assets | 87.7477% | 1,976 |
| Equity capital to assets | 9.5594% | 3,323 |
| Core capital (leverage) ratio | 9.1343% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,782,750 | 3,080 |
| Average earning assets | $195,743,500 | 3,023 |
| Average equity | $19,111,250 | 3,333 |
| Average total loans | $132,121,750 | 2,865 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7869% | 2,106 |
| Cost of funding earning assets | 0.0725% | 4,729 |
| Net interest margin | 3.7143% | 1,316 |
| Noninterest income to average assets | 0.4093% | 3,062 |
| Noninterest expense to average assets | 2.2577% | 2,891 |
| Loan and lease loss provision to assets | 0.2133% | 508 |
| Net operating income to assets | 1.5082% | 1,265 |
| Return on assets (ROA) | 1.5082% | 1,332 |
| Pretax return on assets | 1.5265% | 1,934 |
| Return on Equity (ROE) | 16.0888% | 942 |
| Retained earnings to average equity (ytd only) | 7.6598% | 2,207 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4787% | 3,480 |
| Assets per employee ($millions) | 13.8467% | 240 |
| Cash dividends to net income (ytd only)* | 52.3906% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 2,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 63.5099% | 2,009 |
| Net loans and leases to deposits | 71.9899% | 2,205 |
| Net loans and leases to core deposits | 73.6491% | 2,443 |
| Total domestic deposits to total assets | 88.2205% | 1,708 |
| Equity capital to assets | 8.9812% | 3,809 |
| Core capital (leverage) ratio | 8.9745% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,924,000 | 3,127 |
| Average earning assets | $190,236,667 | 3,066 |
| Average equity | $18,460,000 | 3,386 |
| Average total loans | $130,108,667 | 2,901 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 2,084 |
| Cost of funding earning assets | 0.0778% | 4,757 |
| Net interest margin | 3.7296% | 1,269 |
| Noninterest income to average assets | 0.4156% | 3,011 |
| Noninterest expense to average assets | 2.3181% | 2,729 |
| Loan and lease loss provision to assets | 0.2193% | 532 |
| Net operating income to assets | 1.4619% | 1,414 |
| Return on assets (ROA) | 1.4619% | 1,476 |
| Pretax return on assets | 1.4807% | 2,047 |
| Return on Equity (ROE) | 15.2481% | 1,159 |
| Retained earnings to average equity (ytd only) | 15.2481% | 599 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6923% | 3,346 |
| Assets per employee ($millions) | 10.8970% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 73.3947% | 860 |
| Net loans and leases to deposits | 83.9179% | 1,152 |
| Net loans and leases to core deposits | 86.1310% | 1,509 |
| Total domestic deposits to total assets | 87.4601% | 2,115 |
| Equity capital to assets | 10.0173% | 2,692 |
| Core capital (leverage) ratio | 9.1399% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,536,000 | 3,153 |
| Average earning assets | $185,006,500 | 3,094 |
| Average equity | $18,363,000 | 3,389 |
| Average total loans | $128,282,500 | 2,924 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 2,211 |
| Cost of funding earning assets | 0.2141% | 4,534 |
| Net interest margin | 3.9626% | 1,057 |
| Noninterest income to average assets | 0.4438% | 2,897 |
| Noninterest expense to average assets | 2.7545% | 2,057 |
| Loan and lease loss provision to assets | 0.2469% | 1,563 |
| Net operating income to assets | 1.2620% | 1,354 |
| Return on assets (ROA) | 1.2736% | 1,425 |
| Pretax return on assets | 1.2898% | 2,012 |
| Return on Equity (ROE) | 11.6631% | 1,425 |
| Retained earnings to average equity (ytd only) | 10.7526% | 463 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3638% | 2,760 |
| Assets per employee ($millions) | 11.6366% | 347 |
| Cash dividends to net income (ytd only)* | 7.8061% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 2,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 59.2525% | 2,954 |
| Net loans and leases to deposits | 66.9517% | 3,190 |
| Net loans and leases to core deposits | 68.5809% | 3,366 |
| Total domestic deposits to total assets | 88.5003% | 1,228 |
| Equity capital to assets | 9.1845% | 3,903 |
| Core capital (leverage) ratio | 10.3960% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,894,200 | 3,357 |
| Average earning assets | $148,969,000 | 3,278 |
| Average equity | $16,805,200 | 3,470 |
| Average total loans | $107,147,200 | 3,139 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2852% | 2,146 |
| Cost of funding earning assets | 0.2746% | 4,418 |
| Net interest margin | 4.0106% | 1,091 |
| Noninterest income to average assets | 0.4366% | 2,898 |
| Noninterest expense to average assets | 2.8744% | 1,760 |
| Loan and lease loss provision to assets | 0.2568% | 1,582 |
| Net operating income to assets | 1.1738% | 1,734 |
| Return on assets (ROA) | 1.1867% | 1,808 |
| Pretax return on assets | 1.2026% | 2,380 |
| Return on Equity (ROE) | 10.3008% | 1,907 |
| Retained earnings to average equity (ytd only) | 9.0618% | 961 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5299% | 2,397 |
| Assets per employee ($millions) | 9.1889% | 660 |
| Cash dividends to net income (ytd only)* | 12.0283% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 1,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 74.9371% | 1,246 |
| Net loans and leases to deposits | 91.1833% | 1,139 |
| Net loans and leases to core deposits | 94.4305% | 1,599 |
| Total domestic deposits to total assets | 82.1829% | 3,372 |
| Equity capital to assets | 11.9118% | 1,733 |
| Core capital (leverage) ratio | 11.2417% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,912,000 | 3,466 |
| Average earning assets | $138,395,000 | 3,388 |
| Average equity | $16,464,250 | 3,509 |
| Average total loans | $104,220,000 | 3,183 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 2,334 |
| Cost of funding earning assets | 0.3609% | 4,223 |
| Net interest margin | 3.9899% | 1,347 |
| Noninterest income to average assets | 0.4296% | 2,914 |
| Noninterest expense to average assets | 2.8500% | 1,975 |
| Loan and lease loss provision to assets | 0.2402% | 1,754 |
| Net operating income to assets | 1.1982% | 1,642 |
| Return on assets (ROA) | 1.2081% | 1,747 |
| Pretax return on assets | 1.2081% | 2,338 |
| Return on Equity (ROE) | 10.6115% | 1,771 |
| Retained earnings to average equity (ytd only) | 8.7126% | 1,100 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4580% | 2,450 |
| Assets per employee ($millions) | 9.6580% | 556 |
| Cash dividends to net income (ytd only)* | 17.8947% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 1,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 72.3456% | 1,645 |
| Net loans and leases to deposits | 84.9899% | 1,887 |
| Net loans and leases to core deposits | 88.3485% | 2,213 |
| Total domestic deposits to total assets | 85.1225% | 2,343 |
| Equity capital to assets | 11.7257% | 1,821 |
| Core capital (leverage) ratio | 10.7489% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,542,000 | 3,463 |
| Average earning assets | $136,895,000 | 3,389 |
| Average equity | $16,114,667 | 3,541 |
| Average total loans | $101,723,333 | 3,205 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 2,178 |
| Cost of funding earning assets | 0.5661% | 3,608 |
| Net interest margin | 3.9778% | 1,449 |
| Noninterest income to average assets | 0.5119% | 2,497 |
| Noninterest expense to average assets | 2.8310% | 2,337 |
| Loan and lease loss provision to assets | 0.1859% | 1,611 |
| Net operating income to assets | 1.3326% | 1,149 |
| Return on assets (ROA) | 1.3440% | 1,212 |
| Pretax return on assets | 1.3440% | 1,735 |
| Return on Equity (ROE) | 11.9909% | 1,108 |
| Retained earnings to average equity (ytd only) | 8.0875% | 1,205 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0888% | 3,076 |
| Assets per employee ($millions) | 9.7176% | 421 |
| Cash dividends to net income (ytd only)* | 32.5532% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 1,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 66.4917% | 2,757 |
| Net loans and leases to deposits | 74.8015% | 3,189 |
| Net loans and leases to core deposits | 84.8175% | 2,775 |
| Total domestic deposits to total assets | 88.8909% | 711 |
| Equity capital to assets | 10.7921% | 3,056 |
| Core capital (leverage) ratio | 11.5056% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,878,000 | 3,458 |
| Average earning assets | $134,948,000 | 3,383 |
| Average equity | $15,678,500 | 3,592 |
| Average total loans | $99,466,000 | 3,233 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 2,033 |
| Cost of funding earning assets | 0.5349% | 3,948 |
| Net interest margin | 4.2691% | 1,167 |
| Noninterest income to average assets | 0.4862% | 2,824 |
| Noninterest expense to average assets | 2.8646% | 2,398 |
| Loan and lease loss provision to assets | 0.1261% | 1,689 |
| Net operating income to assets | 1.5882% | 859 |
| Return on assets (ROA) | 1.5875% | 916 |
| Pretax return on assets | 1.6221% | 1,424 |
| Return on Equity (ROE) | 15.1183% | 668 |
| Retained earnings to average equity (ytd only) | 9.4798% | 594 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0921% | 3,366 |
| Assets per employee ($millions) | 9.5709% | 402 |
| Cash dividends to net income (ytd only)* | 37.2958% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.2014% | 1,717 |
| Net loans and leases to deposits | 97.9286% | 767 |
| Net loans and leases to core deposits | 116.6935% | 575 |
| Total domestic deposits to total assets | 75.7709% | 4,625 |
| Equity capital to assets | 11.6619% | 2,377 |
| Core capital (leverage) ratio | 11.4586% | 2,142 |
| Tier 1 risk-based capital ratio | 18.2695% | 1,696 |
| Total risk-based capital ratio | 19.5227% | 1,654 |
| Memoranda: | ||
| Average total assets | $138,832,600 | 3,454 |
| Average earning assets | $134,221,200 | 3,364 |
| Average equity | $14,578,400 | 3,679 |
| Average total loans | $102,212,800 | 3,199 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8354% | 2,011 |
| Cost of funding earning assets | 0.5374% | 3,991 |
| Net interest margin | 4.2980% | 1,167 |
| Noninterest income to average assets | 0.4998% | 2,732 |
| Noninterest expense to average assets | 2.7800% | 2,626 |
| Loan and lease loss provision to assets | 0.2047% | 857 |
| Net operating income to assets | 1.6395% | 846 |
| Return on assets (ROA) | 1.6404% | 890 |
| Pretax return on assets | 1.6737% | 1,408 |
| Return on Equity (ROE) | 16.0464% | 598 |
| Retained earnings to average equity (ytd only) | 8.3910% | 1,247 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6893% | 3,697 |
| Assets per employee ($millions) | 7.7823% | 751 |
| Cash dividends to net income (ytd only)* | 47.7073% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 1,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 72.6551% | 2,059 |
| Net loans and leases to deposits | 83.1081% | 2,555 |
| Net loans and leases to core deposits | 96.8142% | 1,931 |
| Total domestic deposits to total assets | 87.4224% | 1,298 |
| Equity capital to assets | 11.5065% | 2,650 |
| Core capital (leverage) ratio | 10.8757% | 2,764 |
| Tier 1 risk-based capital ratio | 18.0042% | 1,814 |
| Total risk-based capital ratio | 19.2583% | 1,766 |
| Memoranda: | ||
| Average total assets | $140,042,750 | 3,473 |
| Average earning assets | $135,470,000 | 3,380 |
| Average equity | $14,316,500 | 3,742 |
| Average total loans | $102,594,750 | 3,230 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 2,299 |
| Cost of funding earning assets | 0.5219% | 4,025 |
| Net interest margin | 4.1999% | 1,365 |
| Noninterest income to average assets | 0.4684% | 2,853 |
| Noninterest expense to average assets | 2.7401% | 2,782 |
| Loan and lease loss provision to assets | 0.2384% | 662 |
| Net operating income to assets | 1.5215% | 1,091 |
| Return on assets (ROA) | 1.5215% | 1,136 |
| Pretax return on assets | 1.5523% | 1,691 |
| Return on Equity (ROE) | 15.4842% | 671 |
| Retained earnings to average equity (ytd only) | 5.9511% | 2,300 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4766% | 3,656 |
| Assets per employee ($millions) | 8.5003% | 552 |
| Cash dividends to net income (ytd only)* | 61.5668% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 73.4992% | 1,961 |
| Net loans and leases to deposits | 99.0996% | 746 |
| Net loans and leases to core deposits | 110.3492% | 957 |
| Total domestic deposits to total assets | 74.1670% | 4,823 |
| Equity capital to assets | 10.1221% | 3,861 |
| Core capital (leverage) ratio | 10.5514% | 3,034 |
| Tier 1 risk-based capital ratio | 15.8165% | 2,493 |
| Total risk-based capital ratio | 17.0679% | 2,426 |
| Memoranda: | ||
| Average total assets | $142,624,000 | 3,451 |
| Average earning assets | $137,955,670 | 3,357 |
| Average equity | $14,014,330 | 3,786 |
| Average total loans | $104,318,670 | 3,220 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 2,107 |
| Cost of funding earning assets | 0.5495% | 3,826 |
| Net interest margin | 4.1827% | 1,340 |
| Noninterest income to average assets | 0.4630% | 2,782 |
| Noninterest expense to average assets | 2.6707% | 2,993 |
| Loan and lease loss provision to assets | 0.3529% | 337 |
| Net operating income to assets | 1.4568% | 1,211 |
| Return on assets (ROA) | 1.4568% | 1,244 |
| Pretax return on assets | 1.4794% | 1,840 |
| Return on Equity (ROE) | 15.0569% | 736 |
| Retained earnings to average equity (ytd only) | 4.5229% | 3,112 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3103% | 3,907 |
| Assets per employee ($millions) | 7.9054% | 691 |
| Cash dividends to net income (ytd only)* | 69.9612% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 2,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.9931% | 1,983 |
| Net loans and leases to deposits | 88.4675% | 1,811 |
| Net loans and leases to core deposits | 97.3011% | 1,831 |
| Total domestic deposits to total assets | 82.5084% | 3,578 |
| Equity capital to assets | 9.8470% | 3,974 |
| Core capital (leverage) ratio | 10.2014% | 3,381 |
| Tier 1 risk-based capital ratio | 16.2194% | 2,359 |
| Total risk-based capital ratio | 17.4707% | 2,306 |
| Memoranda: | ||
| Average total assets | $141,683,500 | 3,509 |
| Average earning assets | $136,850,500 | 3,415 |
| Average equity | $13,708,000 | 3,842 |
| Average total loans | $102,745,000 | 3,274 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5216% | 2,397 |
| Cost of funding earning assets | 0.3230% | 4,450 |
| Net interest margin | 4.1986% | 1,392 |
| Noninterest income to average assets | 0.3797% | 3,557 |
| Noninterest expense to average assets | 3.0030% | 2,039 |
| Loan and lease loss provision to assets | 0.1385% | 1,556 |
| Net operating income to assets | 1.2933% | 1,835 |
| Return on assets (ROA) | 1.2933% | 1,816 |
| Pretax return on assets | 1.3075% | 2,468 |
| Return on Equity (ROE) | 13.6567% | 1,139 |
| Retained earnings to average equity (ytd only) | 9.6475% | 696 |
| Net charge-offs to loans | -0.0022% | 4,241 |
| Credit loss provision to net charge-offs | -9,250.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4971% | 2,625 |
| Assets per employee ($millions) | 7.4247% | 826 |
| Cash dividends to net income (ytd only)* | 29.3573% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 3,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 70.4090% | 2,508 |
| Net loans and leases to deposits | 88.9731% | 1,930 |
| Net loans and leases to core deposits | 97.5104% | 1,908 |
| Total domestic deposits to total assets | 79.1352% | 4,287 |
| Equity capital to assets | 9.5017% | 4,132 |
| Core capital (leverage) ratio | 10.4103% | 3,130 |
| Tier 1 risk-based capital ratio | 16.7790% | 2,145 |
| Total risk-based capital ratio | 18.0299% | 2,089 |
| Memoranda: | ||
| Average total assets | $133,532,200 | 3,599 |
| Average earning assets | $129,424,400 | 3,499 |
| Average equity | $12,645,800 | 3,938 |
| Average total loans | $92,962,600 | 3,424 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 2,420 |
| Cost of funding earning assets | 0.3154% | 4,410 |
| Net interest margin | 4.1485% | 1,498 |
| Noninterest income to average assets | 0.3737% | 3,639 |
| Noninterest expense to average assets | 2.9016% | 2,300 |
| Loan and lease loss provision to assets | 0.1307% | 1,544 |
| Net operating income to assets | 1.3784% | 1,559 |
| Return on assets (ROA) | 1.3784% | 1,564 |
| Pretax return on assets | 1.3784% | 2,305 |
| Return on Equity (ROE) | 14.5679% | 965 |
| Retained earnings to average equity (ytd only) | 9.1411% | 1,167 |
| Net charge-offs to loans | -0.0029% | 4,134 |
| Credit loss provision to net charge-offs | -6,450.0000% | 4,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7865% | 2,908 |
| Assets per employee ($millions) | 7.0014% | 932 |
| Cash dividends to net income (ytd only)* | 37.2519% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 3,238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 70.1457% | 2,622 |
| Net loans and leases to deposits | 83.4081% | 2,665 |
| Net loans and leases to core deposits | 94.2212% | 2,267 |
| Total domestic deposits to total assets | 84.0993% | 2,906 |
| Equity capital to assets | 9.4869% | 4,090 |
| Core capital (leverage) ratio | 10.3145% | 3,275 |
| Tier 1 risk-based capital ratio | 17.1577% | 2,039 |
| Total risk-based capital ratio | 18.4075% | 1,987 |
| Memoranda: | ||
| Average total assets | $131,647,750 | 3,663 |
| Average earning assets | $128,106,250 | 3,558 |
| Average equity | $12,456,250 | 3,993 |
| Average total loans | $91,100,250 | 3,480 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3937% | 2,438 |
| Cost of funding earning assets | 0.2993% | 4,419 |
| Net interest margin | 4.0944% | 1,579 |
| Noninterest income to average assets | 0.3705% | 3,682 |
| Noninterest expense to average assets | 2.8326% | 2,569 |
| Loan and lease loss provision to assets | 0.1646% | 1,121 |
| Net operating income to assets | 1.3568% | 1,579 |
| Return on assets (ROA) | 1.3568% | 1,583 |
| Pretax return on assets | 1.3568% | 2,301 |
| Return on Equity (ROE) | 14.3529% | 995 |
| Retained earnings to average equity (ytd only) | 8.4182% | 1,439 |
| Net charge-offs to loans | -0.0044% | 4,074 |
| Credit loss provision to net charge-offs | -5,400.0000% | 4,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0560% | 3,150 |
| Assets per employee ($millions) | 7.5321% | 752 |
| Cash dividends to net income (ytd only)* | 41.3483% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 67.6110% | 2,928 |
| Net loans and leases to deposits | 74.6172% | 3,476 |
| Net loans and leases to core deposits | 83.3023% | 3,142 |
| Total domestic deposits to total assets | 90.6105% | 359 |
| Equity capital to assets | 9.2154% | 4,365 |
| Core capital (leverage) ratio | 10.0434% | 3,532 |
| Tier 1 risk-based capital ratio | 16.9725% | 2,111 |
| Total risk-based capital ratio | 18.2229% | 2,054 |
| Memoranda: | ||
| Average total assets | $131,188,330 | 3,688 |
| Average earning assets | $127,636,330 | 3,595 |
| Average equity | $12,401,670 | 4,026 |
| Average total loans | $90,019,670 | 3,515 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 2,992 |
| Cost of funding earning assets | 0.1999% | 5,018 |
| Net interest margin | 3.9695% | 1,817 |
| Noninterest income to average assets | 0.4062% | 3,414 |
| Noninterest expense to average assets | 3.0265% | 2,005 |
| Loan and lease loss provision to assets | 0.0217% | 3,247 |
| Net operating income to assets | 1.2373% | 1,859 |
| Return on assets (ROA) | 1.2373% | 1,869 |
| Pretax return on assets | 1.2373% | 2,610 |
| Return on Equity (ROE) | 12.9173% | 1,291 |
| Retained earnings to average equity (ytd only) | 12.7878% | 553 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6223% | 2,397 |
| Assets per employee ($millions) | 7.7930% | 685 |
| Cash dividends to net income (ytd only)* | 1.0025% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.7718% | 2,362 |
| Net loans and leases to deposits | 87.7186% | 1,967 |
| Net loans and leases to core deposits | 99.6646% | 1,713 |
| Total domestic deposits to total assets | 80.6806% | 4,279 |
| Equity capital to assets | 9.9336% | 3,663 |
| Core capital (leverage) ratio | 10.4132% | 3,049 |
| Tier 1 risk-based capital ratio | 17.4813% | 1,981 |
| Total risk-based capital ratio | 18.6662% | 1,954 |
| Memoranda: | ||
| Average total assets | $128,994,000 | 3,762 |
| Average earning assets | $126,062,000 | 3,645 |
| Average equity | $12,355,500 | 4,068 |
| Average total loans | $88,692,500 | 3,574 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 3,484 |
| Cost of funding earning assets | 0.2209% | 4,783 |
| Net interest margin | 3.7566% | 2,576 |
| Noninterest income to average assets | 0.3770% | 3,777 |
| Noninterest expense to average assets | 2.9274% | 2,367 |
| Loan and lease loss provision to assets | 0.1036% | 2,157 |
| Net operating income to assets | 0.9957% | 2,265 |
| Return on assets (ROA) | 0.9965% | 2,294 |
| Pretax return on assets | 0.9965% | 3,585 |
| Return on Equity (ROE) | 10.2299% | 1,796 |
| Retained earnings to average equity (ytd only) | 3.6865% | 3,023 |
| Net charge-offs to loans | -0.0111% | 4,810 |
| Credit loss provision to net charge-offs | -1,411.1111% | 5,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6996% | 2,123 |
| Assets per employee ($millions) | 7.8412% | 678 |
| Cash dividends to net income (ytd only)* | 63.9640% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 3,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 65.5184% | 3,156 |
| Net loans and leases to deposits | 72.2956% | 3,674 |
| Net loans and leases to core deposits | 79.5135% | 3,455 |
| Total domestic deposits to total assets | 90.6257% | 357 |
| Equity capital to assets | 9.2461% | 4,479 |
| Core capital (leverage) ratio | 10.2859% | 3,083 |
| Tier 1 risk-based capital ratio | 17.1812% | 2,032 |
| Total risk-based capital ratio | 18.3719% | 2,013 |
| Memoranda: | ||
| Average total assets | $122,530,800 | 3,852 |
| Average earning assets | $119,044,800 | 3,762 |
| Average equity | $11,935,600 | 4,147 |
| Average total loans | $80,857,600 | 3,733 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 3,446 |
| Cost of funding earning assets | 0.2190% | 4,820 |
| Net interest margin | 3.7558% | 2,555 |
| Noninterest income to average assets | 0.3749% | 3,848 |
| Noninterest expense to average assets | 3.0262% | 2,037 |
| Loan and lease loss provision to assets | 0.0545% | 2,999 |
| Net operating income to assets | 0.9390% | 2,834 |
| Return on assets (ROA) | 0.9401% | 2,891 |
| Pretax return on assets | 0.9401% | 3,896 |
| Return on Equity (ROE) | 9.5169% | 2,340 |
| Retained earnings to average equity (ytd only) | 0.7208% | 5,059 |
| Net charge-offs to loans | -0.0152% | 4,758 |
| Credit loss provision to net charge-offs | -544.4444% | 4,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2837% | 1,695 |
| Assets per employee ($millions) | 6.9902% | 959 |
| Cash dividends to net income (ytd only)* | 92.4262% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 3,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 66.9850% | 2,983 |
| Net loans and leases to deposits | 76.7801% | 3,299 |
| Net loans and leases to core deposits | 84.9105% | 3,050 |
| Total domestic deposits to total assets | 87.2427% | 1,757 |
| Equity capital to assets | 10.2858% | 3,602 |
| Core capital (leverage) ratio | 10.5851% | 2,894 |
| Tier 1 risk-based capital ratio | 18.2236% | 1,798 |
| Total risk-based capital ratio | 19.4116% | 1,768 |
| Memoranda: | ||
| Average total assets | $119,838,500 | 3,941 |
| Average earning assets | $116,296,250 | 3,855 |
| Average equity | $11,838,250 | 4,208 |
| Average total loans | $79,013,250 | 3,800 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 3,470 |
| Cost of funding earning assets | 0.2008% | 4,974 |
| Net interest margin | 3.7239% | 2,569 |
| Noninterest income to average assets | 0.3412% | 4,111 |
| Noninterest expense to average assets | 2.9840% | 2,162 |
| Loan and lease loss provision to assets | 0.0582% | 2,806 |
| Net operating income to assets | 0.9104% | 2,860 |
| Return on assets (ROA) | 0.9104% | 2,910 |
| Pretax return on assets | 0.9104% | 3,896 |
| Return on Equity (ROE) | 9.3424% | 2,333 |
| Retained earnings to average equity (ytd only) | -3.9966% | 5,488 |
| Net charge-offs to loans | -0.0025% | 4,203 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4947% | 1,801 |
| Assets per employee ($millions) | 7.0257% | 920 |
| Cash dividends to net income (ytd only)* | 142.7788% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 4,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 65.3382% | 3,202 |
| Net loans and leases to deposits | 81.9873% | 2,704 |
| Net loans and leases to core deposits | 91.5198% | 2,372 |
| Total domestic deposits to total assets | 79.6931% | 4,483 |
| Equity capital to assets | 10.0019% | 3,906 |
| Core capital (leverage) ratio | 10.2293% | 3,237 |
| Tier 1 risk-based capital ratio | 18.0782% | 1,835 |
| Total risk-based capital ratio | 19.2529% | 1,812 |
| Memoranda: | ||
| Average total assets | $120,173,330 | 3,957 |
| Average earning assets | $116,544,670 | 3,871 |
| Average equity | $11,710,000 | 4,237 |
| Average total loans | $78,543,670 | 3,820 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8276% | 3,661 |
| Cost of funding earning assets | 0.1782% | 5,169 |
| Net interest margin | 3.6494% | 2,693 |
| Noninterest income to average assets | 0.3683% | 3,902 |
| Noninterest expense to average assets | 2.9334% | 2,355 |
| Loan and lease loss provision to assets | 0.0531% | 2,745 |
| Net operating income to assets | 0.9159% | 2,681 |
| Return on assets (ROA) | 0.9159% | 2,734 |
| Pretax return on assets | 0.9159% | 3,706 |
| Return on Equity (ROE) | 9.5238% | 2,170 |
| Retained earnings to average equity (ytd only) | -3.2781% | 5,277 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1701% | 2,041 |
| Assets per employee ($millions) | 7.0871% | 910 |
| Cash dividends to net income (ytd only)* | 134.4203% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 4,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 65.0523% | 3,107 |
| Net loans and leases to deposits | 72.5990% | 3,555 |
| Net loans and leases to core deposits | 80.9350% | 3,204 |
| Total domestic deposits to total assets | 89.6049% | 851 |
| Equity capital to assets | 9.7236% | 4,043 |
| Core capital (leverage) ratio | 10.2784% | 3,145 |
| Tier 1 risk-based capital ratio | 18.0242% | 1,867 |
| Total risk-based capital ratio | 19.1533% | 1,866 |
| Memoranda: | ||
| Average total assets | $120,541,500 | 3,989 |
| Average earning assets | $116,732,000 | 3,902 |
| Average equity | $11,592,000 | 4,288 |
| Average total loans | $78,397,000 | 3,853 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5532% | 4,633 |
| Cost of funding earning assets | 0.1838% | 5,172 |
| Net interest margin | 3.3694% | 3,926 |
| Noninterest income to average assets | 0.2964% | 4,621 |
| Noninterest expense to average assets | 2.6325% | 3,578 |
| Loan and lease loss provision to assets | 0.1288% | 1,930 |
| Net operating income to assets | 0.8000% | 3,304 |
| Return on assets (ROA) | 0.7571% | 3,618 |
| Pretax return on assets | 0.7571% | 4,311 |
| Return on Equity (ROE) | 7.9619% | 2,956 |
| Retained earnings to average equity (ytd only) | 7.9619% | 868 |
| Net charge-offs to loans | -0.0014% | 4,674 |
| Credit loss provision to net charge-offs | -15,900.0000% | 5,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9200% | 2,298 |
| Assets per employee ($millions) | 7.5377% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 4,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 63.7439% | 3,392 |
| Net loans and leases to deposits | 72.3276% | 3,681 |
| Net loans and leases to core deposits | 80.7642% | 3,328 |
| Total domestic deposits to total assets | 88.1321% | 1,572 |
| Equity capital to assets | 9.5097% | 4,261 |
| Core capital (leverage) ratio | 10.1507% | 3,304 |
| Tier 1 risk-based capital ratio | 18.2289% | 1,794 |
| Total risk-based capital ratio | 19.3382% | 1,789 |
| Memoranda: | ||
| Average total assets | $123,494,400 | 3,933 |
| Average earning assets | $119,665,600 | 3,833 |
| Average equity | $11,743,400 | 4,287 |
| Average total loans | $72,299,200 | 3,986 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4852% | 4,847 |
| Cost of funding earning assets | 0.1780% | 5,281 |
| Net interest margin | 3.3072% | 4,167 |
| Noninterest income to average assets | 0.2812% | 4,757 |
| Noninterest expense to average assets | 2.5503% | 3,826 |
| Loan and lease loss provision to assets | 0.1653% | 1,381 |
| Net operating income to assets | 0.7760% | 3,478 |
| Return on assets (ROA) | 0.7814% | 3,591 |
| Pretax return on assets | 0.7814% | 4,362 |
| Return on Equity (ROE) | 8.2174% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.2174% | 1,079 |
| Net charge-offs to loans | -0.0019% | 4,485 |
| Credit loss provision to net charge-offs | -15,400.0000% | 5,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0403% | 2,433 |
| Assets per employee ($millions) | 8.1804% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 4,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 58.4619% | 4,052 |
| Net loans and leases to deposits | 64.7139% | 4,431 |
| Net loans and leases to core deposits | 70.9580% | 4,251 |
| Total domestic deposits to total assets | 90.3390% | 367 |
| Equity capital to assets | 9.4669% | 4,693 |
| Core capital (leverage) ratio | 10.2814% | 3,244 |
| Tier 1 risk-based capital ratio | 18.1746% | 1,866 |
| Total risk-based capital ratio | 19.2895% | 1,875 |
| Memoranda: | ||
| Average total assets | $124,217,250 | 3,944 |
| Average earning assets | $120,582,750 | 3,840 |
| Average equity | $11,812,000 | 4,318 |
| Average total loans | $70,964,000 | 4,049 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4891% | 4,898 |
| Cost of funding earning assets | 0.1722% | 5,391 |
| Net interest margin | 3.3170% | 4,170 |
| Noninterest income to average assets | 0.2820% | 4,768 |
| Noninterest expense to average assets | 2.5477% | 3,892 |
| Loan and lease loss provision to assets | 0.1394% | 1,628 |
| Net operating income to assets | 0.8164% | 3,237 |
| Return on assets (ROA) | 0.8181% | 3,361 |
| Pretax return on assets | 0.8181% | 4,222 |
| Return on Equity (ROE) | 8.5894% | 2,703 |
| Retained earnings to average equity (ytd only) | 8.5894% | 976 |
| Net charge-offs to loans | -0.0029% | 4,422 |
| Credit loss provision to net charge-offs | -8,500.0000% | 5,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7188% | 2,560 |
| Assets per employee ($millions) | 7.5149% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 4,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 59.5264% | 3,946 |
| Net loans and leases to deposits | 71.0271% | 3,881 |
| Net loans and leases to core deposits | 77.8291% | 3,656 |
| Total domestic deposits to total assets | 83.8081% | 3,349 |
| Equity capital to assets | 10.1980% | 3,980 |
| Core capital (leverage) ratio | 9.6029% | 4,065 |
| Tier 1 risk-based capital ratio | 18.8220% | 1,733 |
| Total risk-based capital ratio | 19.8914% | 1,733 |
| Memoranda: | ||
| Average total assets | $121,994,000 | 4,011 |
| Average earning assets | $118,481,670 | 3,900 |
| Average equity | $11,619,000 | 4,380 |
| Average total loans | $68,859,670 | 4,117 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4219% | 5,076 |
| Cost of funding earning assets | 0.1713% | 5,455 |
| Net interest margin | 3.2506% | 4,395 |
| Noninterest income to average assets | 0.2018% | 5,294 |
| Noninterest expense to average assets | 2.4644% | 4,183 |
| Loan and lease loss provision to assets | 0.1660% | 1,248 |
| Net operating income to assets | 0.7227% | 3,606 |
| Return on assets (ROA) | 0.7162% | 3,748 |
| Pretax return on assets | 0.7162% | 4,470 |
| Return on Equity (ROE) | 7.7893% | 3,038 |
| Retained earnings to average equity (ytd only) | 7.7893% | 1,546 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4951% | 2,557 |
| Assets per employee ($millions) | 7.7241% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 4,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 3,157 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 55.1130% | 4,347 |
| Net loans and leases to deposits | 61.1539% | 4,638 |
| Net loans and leases to core deposits | 66.7156% | 4,488 |
| Total domestic deposits to total assets | 90.1219% | 549 |
| Equity capital to assets | 9.3077% | 4,883 |
| Core capital (leverage) ratio | 9.5060% | 4,187 |
| Tier 1 risk-based capital ratio | 18.8153% | 1,777 |
| Total risk-based capital ratio | 19.8539% | 1,782 |
| Memoranda: | ||
| Average total assets | $122,871,500 | 4,029 |
| Average earning assets | $119,115,500 | 3,926 |
| Average equity | $11,297,500 | 4,447 |
| Average total loans | $67,158,000 | 4,185 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2120% | 5,505 |
| Cost of funding earning assets | 0.1635% | 5,583 |
| Net interest margin | 3.0485% | 5,027 |
| Noninterest income to average assets | 0.2845% | 4,855 |
| Noninterest expense to average assets | 2.7961% | 3,245 |
| Loan and lease loss provision to assets | 0.0691% | 2,912 |
| Net operating income to assets | 0.3634% | 5,165 |
| Return on assets (ROA) | 0.3889% | 5,167 |
| Pretax return on assets | 0.3889% | 5,344 |
| Return on Equity (ROE) | 4.3726% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.3726% | 2,868 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6056% | 951 |
| Assets per employee ($millions) | 7.6348% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 5,010 |
| Loan loss allowance to noncurrent loans | 188.4375% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9242% | 2,358 |
| Noncurrent loans to loans | 0.4882% | 3,740 |
| Net loans and leases to total assets | 53.1668% | 4,576 |
| Net loans and leases to deposits | 58.5720% | 4,879 |
| Net loans and leases to core deposits | 65.4642% | 4,635 |
| Total domestic deposits to total assets | 90.7717% | 347 |
| Equity capital to assets | 9.0801% | 5,037 |
| Core capital (leverage) ratio | 9.5741% | 4,080 |
| Tier 1 risk-based capital ratio | 19.1401% | 1,672 |
| Total risk-based capital ratio | 20.1251% | 1,695 |
| Memoranda: | ||
| Average total assets | $121,635,400 | 4,041 |
| Average earning assets | $117,466,000 | 3,936 |
| Average equity | $10,817,400 | 4,519 |
| Average total loans | $62,726,400 | 4,300 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0921% | 5,718 |
| Cost of funding earning assets | 0.1581% | 5,727 |
| Net interest margin | 2.9340% | 5,343 |
| Noninterest income to average assets | 0.2798% | 4,942 |
| Noninterest expense to average assets | 2.7389% | 3,432 |
| Loan and lease loss provision to assets | 0.0669% | 2,840 |
| Net operating income to assets | 0.3051% | 5,436 |
| Return on assets (ROA) | 0.3391% | 5,430 |
| Pretax return on assets | 0.3391% | 5,576 |
| Return on Equity (ROE) | 3.8329% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.8329% | 3,747 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0423% | 839 |
| Assets per employee ($millions) | 7.6168% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 5,304 |
| Loan loss allowance to noncurrent loans | 34.4828% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 2.0440% | 990 |
| Noncurrent loans to loans | 2.5196% | 812 |
| Net loans and leases to total assets | 54.3018% | 4,538 |
| Net loans and leases to deposits | 64.5396% | 4,511 |
| Net loans and leases to core deposits | 73.1141% | 4,094 |
| Total domestic deposits to total assets | 84.1371% | 3,365 |
| Equity capital to assets | 9.0729% | 5,237 |
| Core capital (leverage) ratio | 9.5440% | 4,247 |
| Tier 1 risk-based capital ratio | 20.4939% | 1,436 |
| Total risk-based capital ratio | 21.5750% | 1,441 |
| Memoranda: | ||
| Average total assets | $121,505,000 | 4,091 |
| Average earning assets | $117,241,250 | 3,980 |
| Average equity | $10,748,750 | 4,579 |
| Average total loans | $62,020,500 | 4,361 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0392% | 5,822 |
| Cost of funding earning assets | 0.1623% | 5,760 |
| Net interest margin | 2.8769% | 5,484 |
| Noninterest income to average assets | 0.1532% | 5,795 |
| Noninterest expense to average assets | 2.7335% | 3,475 |
| Loan and lease loss provision to assets | 0.0445% | 3,221 |
| Net operating income to assets | 0.1499% | 5,810 |
| Return on assets (ROA) | 0.1565% | 5,847 |
| Pretax return on assets | 0.1565% | 5,872 |
| Return on Equity (ROE) | 1.7847% | 5,736 |
| Retained earnings to average equity (ytd only) | 1.7847% | 4,808 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3596% | 551 |
| Assets per employee ($millions) | 7.1137% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 5,420 |
| Loan loss allowance to noncurrent loans | 24.0106% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 1.8804% | 1,213 |
| Noncurrent loans to loans | 3.6005% | 477 |
| Net loans and leases to total assets | 51.7741% | 4,776 |
| Net loans and leases to deposits | 64.4388% | 4,494 |
| Net loans and leases to core deposits | 73.5176% | 3,996 |
| Total domestic deposits to total assets | 80.3461% | 4,789 |
| Equity capital to assets | 8.6966% | 5,526 |
| Core capital (leverage) ratio | 9.2874% | 4,571 |
| Tier 1 risk-based capital ratio | 19.3677% | 1,706 |
| Total risk-based capital ratio | 20.3582% | 1,739 |
| Memoranda: | ||
| Average total assets | $121,383,670 | 4,132 |
| Average earning assets | $117,072,000 | 4,011 |
| Average equity | $10,646,000 | 4,630 |
| Average total loans | $60,441,670 | 4,449 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2008% | 5,648 |
| Cost of funding earning assets | 0.1712% | 5,758 |
| Net interest margin | 3.0296% | 5,128 |
| Noninterest income to average assets | 0.2829% | 4,916 |
| Noninterest expense to average assets | 2.6709% | 3,694 |
| Loan and lease loss provision to assets | 0.0987% | 2,049 |
| Net operating income to assets | 0.4243% | 4,976 |
| Return on assets (ROA) | 0.4309% | 5,064 |
| Pretax return on assets | 0.4309% | 5,362 |
| Return on Equity (ROE) | 4.8924% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.8924% | 3,113 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6251% | 1,418 |
| Assets per employee ($millions) | 7.3514% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 5,366 |
| Loan loss allowance to noncurrent loans | 28.0388% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 2.9350% | 654 |
| Noncurrent loans to loans | 3.2859% | 617 |
| Net loans and leases to total assets | 47.2414% | 5,107 |
| Net loans and leases to deposits | 54.2384% | 5,176 |
| Net loans and leases to core deposits | 61.2063% | 4,894 |
| Total domestic deposits to total assets | 87.0996% | 2,316 |
| Equity capital to assets | 8.7411% | 5,550 |
| Core capital (leverage) ratio | 8.8727% | 5,107 |
| Tier 1 risk-based capital ratio | 19.4062% | 1,762 |
| Total risk-based capital ratio | 20.3452% | 1,803 |
| Memoranda: | ||
| Average total assets | $121,609,000 | 4,157 |
| Average earning assets | $116,846,000 | 4,044 |
| Average equity | $10,710,500 | 4,659 |
| Average total loans | $59,083,500 | 4,520 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0608% | 6,000 |
| Cost of funding earning assets | 0.1860% | 5,869 |
| Net interest margin | 2.8748% | 5,689 |
| Noninterest income to average assets | 0.3288% | 4,763 |
| Noninterest expense to average assets | 2.8043% | 3,461 |
| Loan and lease loss provision to assets | 0.1031% | 2,430 |
| Net operating income to assets | 0.2010% | 5,761 |
| Return on assets (ROA) | 0.2063% | 5,816 |
| Pretax return on assets | 0.2063% | 5,860 |
| Return on Equity (ROE) | 2.4091% | 5,662 |
| Retained earnings to average equity (ytd only) | 2.4091% | 4,521 |
| Net charge-offs to loans | 0.7287% | 501 |
| Credit loss provision to net charge-offs | 29.1771% | 3,846 |
| Earnings coverage of net charge-offs (x) | 0.8603% | 4,547 |
| Efficiency ratio | 90.2155% | 831 |
| Assets per employee ($millions) | 7.8830% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 5,515 |
| Loan loss allowance to noncurrent loans | 20.1163% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 3.6281% | 503 |
| Noncurrent loans to loans | 4.4043% | 385 |
| Net loans and leases to total assets | 49.1014% | 5,052 |
| Net loans and leases to deposits | 56.6362% | 5,141 |
| Net loans and leases to core deposits | 64.4009% | 4,797 |
| Total domestic deposits to total assets | 86.6963% | 2,452 |
| Equity capital to assets | 8.8773% | 5,401 |
| Core capital (leverage) ratio | 9.7855% | 3,851 |
| Tier 1 risk-based capital ratio | 19.3384% | 1,763 |
| Total risk-based capital ratio | 20.2284% | 1,815 |
| Memoranda: | ||
| Average total assets | $113,432,800 | 4,313 |
| Average earning assets | $109,679,000 | 4,192 |
| Average equity | $9,713,200 | 4,812 |
| Average total loans | $55,029,400 | 4,647 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0334% | 6,101 |
| Cost of funding earning assets | 0.1864% | 5,951 |
| Net interest margin | 2.8470% | 5,793 |
| Noninterest income to average assets | 0.3160% | 4,912 |
| Noninterest expense to average assets | 2.7835% | 3,528 |
| Loan and lease loss provision to assets | 0.1247% | 2,003 |
| Net operating income to assets | 0.1651% | 5,912 |
| Return on assets (ROA) | 0.1687% | 5,945 |
| Pretax return on assets | 0.1687% | 5,986 |
| Return on Equity (ROE) | 1.9893% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.9893% | 5,061 |
| Net charge-offs to loans | 0.0049% | 4,528 |
| Credit loss provision to net charge-offs | 5,250.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 121.8464% | 487 |
| Efficiency ratio | 90.5682% | 803 |
| Assets per employee ($millions) | 7.7560% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 2,822 |
| Loan loss allowance to noncurrent loans | 27.2317% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 3.0136% | 781 |
| Noncurrent loans to loans | 5.4363% | 299 |
| Net loans and leases to total assets | 51.8257% | 4,828 |
| Net loans and leases to deposits | 65.1222% | 4,419 |
| Net loans and leases to core deposits | 75.4061% | 3,816 |
| Total domestic deposits to total assets | 79.5823% | 5,202 |
| Equity capital to assets | 8.5070% | 5,792 |
| Core capital (leverage) ratio | 9.8919% | 3,830 |
| Tier 1 risk-based capital ratio | 18.3716% | 2,096 |
| Total risk-based capital ratio | 19.6248% | 2,061 |
| Memoranda: | ||
| Average total assets | $112,229,750 | 4,374 |
| Average earning assets | $108,696,500 | 4,250 |
| Average equity | $9,517,250 | 4,897 |
| Average total loans | $54,142,000 | 4,724 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0002% | 6,179 |
| Cost of funding earning assets | 0.1898% | 6,003 |
| Net interest margin | 2.8103% | 5,882 |
| Noninterest income to average assets | 0.2941% | 5,068 |
| Noninterest expense to average assets | 2.7801% | 3,576 |
| Loan and lease loss provision to assets | 0.0613% | 3,044 |
| Net operating income to assets | 0.1768% | 5,900 |
| Return on assets (ROA) | 0.1804% | 5,938 |
| Pretax return on assets | 0.1804% | 5,971 |
| Return on Equity (ROE) | 2.1298% | 5,810 |
| Retained earnings to average equity (ytd only) | 2.1298% | 4,831 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1100% | 759 |
| Assets per employee ($millions) | 7.4757% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 2,820 |
| Loan loss allowance to noncurrent loans | 28.9519% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 2.5781% | 1,069 |
| Noncurrent loans to loans | 5.2382% | 367 |
| Net loans and leases to total assets | 48.4719% | 5,133 |
| Net loans and leases to deposits | 56.5487% | 5,152 |
| Net loans and leases to core deposits | 64.9958% | 4,727 |
| Total domestic deposits to total assets | 85.7172% | 3,187 |
| Equity capital to assets | 8.8340% | 5,489 |
| Core capital (leverage) ratio | 9.9875% | 3,630 |
| Tier 1 risk-based capital ratio | 20.0659% | 1,670 |
| Total risk-based capital ratio | 21.3191% | 1,642 |
| Memoranda: | ||
| Average total assets | $110,859,670 | 4,427 |
| Average earning assets | $107,460,000 | 4,299 |
| Average equity | $9,390,670 | 4,936 |
| Average total loans | $51,789,330 | 4,834 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9865% | 6,255 |
| Cost of funding earning assets | 0.1834% | 6,132 |
| Net interest margin | 2.8031% | 5,927 |
| Noninterest income to average assets | 0.2976% | 4,978 |
| Noninterest expense to average assets | 2.8379% | 3,424 |
| Loan and lease loss provision to assets | 0.0435% | 3,224 |
| Net operating income to assets | 0.1343% | 5,958 |
| Return on assets (ROA) | 0.1415% | 5,980 |
| Pretax return on assets | 0.1415% | 6,021 |
| Return on Equity (ROE) | 1.7081% | 5,869 |
| Retained earnings to average equity (ytd only) | 1.7081% | 4,933 |
| Net charge-offs to loans | 0.0080% | 3,475 |
| Credit loss provision to net charge-offs | 1,200.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 759 |
| Efficiency ratio | 94.1035% | 745 |
| Assets per employee ($millions) | 7.2663% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 2,652 |
| Loan loss allowance to noncurrent loans | 35.5303% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 2.1020% | 1,594 |
| Noncurrent loans to loans | 4.5316% | 523 |
| Net loans and leases to total assets | 45.6374% | 5,366 |
| Net loans and leases to deposits | 53.4797% | 5,327 |
| Net loans and leases to core deposits | 61.4850% | 4,925 |
| Total domestic deposits to total assets | 85.3359% | 3,704 |
| Equity capital to assets | 8.7207% | 5,431 |
| Core capital (leverage) ratio | 9.9584% | 3,624 |
| Tier 1 risk-based capital ratio | 21.1456% | 1,447 |
| Total risk-based capital ratio | 22.3993% | 1,423 |
| Memoranda: | ||
| Average total assets | $110,222,000 | 4,479 |
| Average earning assets | $106,880,000 | 4,342 |
| Average equity | $9,133,000 | 5,017 |
| Average total loans | $50,088,500 | 4,929 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5040% | 6,614 |
| Cost of funding earning assets | 0.1806% | 6,388 |
| Net interest margin | 2.3234% | 6,504 |
| Noninterest income to average assets | 0.3977% | 4,463 |
| Noninterest expense to average assets | 2.6838% | 4,148 |
| Loan and lease loss provision to assets | 0.1210% | 2,803 |
| Net operating income to assets | -0.1593% | 6,343 |
| Return on assets (ROA) | 2.6456% | 150 |
| Pretax return on assets | 2.6456% | 169 |
| Return on Equity (ROE) | 30.1100% | 70 |
| Retained earnings to average equity (ytd only) | 9.3945% | 680 |
| Net charge-offs to loans | 0.1458% | 3,345 |
| Credit loss provision to net charge-offs | 195.5882% | 1,173 |
| Earnings coverage of net charge-offs (x) | -0.6176% | 5,221 |
| Efficiency ratio | 101.4448% | 437 |
| Assets per employee ($millions) | 7.9607% | 479 |
| Cash dividends to net income (ytd only)* | 68.7994% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 2,689 |
| Loan loss allowance to noncurrent loans | 35.0502% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 2.0556% | 1,744 |
| Noncurrent loans to loans | 4.6170% | 567 |
| Net loans and leases to total assets | 43.8026% | 5,692 |
| Net loans and leases to deposits | 52.1649% | 5,609 |
| Net loans and leases to core deposits | 59.3215% | 5,273 |
| Total domestic deposits to total assets | 83.9695% | 4,180 |
| Equity capital to assets | 7.8609% | 6,110 |
| Core capital (leverage) ratio | 10.0608% | 3,482 |
| Tier 1 risk-based capital ratio | 21.2235% | 1,381 |
| Total risk-based capital ratio | 22.4785% | 1,364 |
| Memoranda: | ||
| Average total assets | $109,879,800 | 4,502 |
| Average earning assets | $106,311,200 | 4,355 |
| Average equity | $9,654,600 | 4,936 |
| Average total loans | $46,652,000 | 5,087 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3496% | 6,739 |
| Cost of funding earning assets | 0.1839% | 6,482 |
| Net interest margin | 2.1657% | 6,668 |
| Noninterest income to average assets | 0.4323% | 4,283 |
| Noninterest expense to average assets | 2.6560% | 4,174 |
| Loan and lease loss provision to assets | 0.0694% | 3,674 |
| Net operating income to assets | -0.1997% | 6,470 |
| Return on assets (ROA) | 3.5486% | 76 |
| Pretax return on assets | 3.5486% | 93 |
| Return on Equity (ROE) | 39.3323% | 33 |
| Retained earnings to average equity (ytd only) | 12.3369% | 385 |
| Net charge-offs to loans | 0.1975% | 2,656 |
| Credit loss provision to net charge-offs | 83.8235% | 2,751 |
| Earnings coverage of net charge-offs (x) | -1.5736% | 5,051 |
| Efficiency ratio | 105.1591% | 345 |
| Assets per employee ($millions) | 7.8846% | 486 |
| Cash dividends to net income (ytd only)* | 68.6341% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 3,031 |
| Loan loss allowance to noncurrent loans | 31.7329% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 2.0755% | 1,931 |
| Noncurrent loans to loans | 5.0204% | 595 |
| Net loans and leases to total assets | 40.6822% | 5,983 |
| Net loans and leases to deposits | 46.6586% | 6,054 |
| Net loans and leases to core deposits | 52.7449% | 5,848 |
| Total domestic deposits to total assets | 87.1912% | 2,574 |
| Equity capital to assets | 8.1696% | 6,033 |
| Core capital (leverage) ratio | 10.0158% | 3,659 |
| Tier 1 risk-based capital ratio | 22.9428% | 1,156 |
| Total risk-based capital ratio | 24.1969% | 1,136 |
| Memoranda: | ||
| Average total assets | $109,487,250 | 4,545 |
| Average earning assets | $105,829,250 | 4,410 |
| Average equity | $9,878,000 | 4,933 |
| Average total loans | $45,909,750 | 5,166 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1880% | 6,818 |
| Cost of funding earning assets | 0.1820% | 6,562 |
| Net interest margin | 2.0060% | 6,762 |
| Noninterest income to average assets | 0.4762% | 3,984 |
| Noninterest expense to average assets | 2.6688% | 4,145 |
| Loan and lease loss provision to assets | 0.1081% | 2,988 |
| Net operating income to assets | -0.3627% | 6,590 |
| Return on assets (ROA) | 5.2826% | 39 |
| Pretax return on assets | 5.2826% | 55 |
| Return on Equity (ROE) | 56.7456% | 15 |
| Retained earnings to average equity (ytd only) | 17.3936% | 146 |
| Net charge-offs to loans | 0.1261% | 3,114 |
| Credit loss provision to net charge-offs | 203.4483% | 1,175 |
| Earnings coverage of net charge-offs (x) | -4.7931% | 4,826 |
| Efficiency ratio | 110.5463% | 269 |
| Assets per employee ($millions) | 8.0114% | 462 |
| Cash dividends to net income (ytd only)* | 69.3481% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 3,004 |
| Loan loss allowance to noncurrent loans | 33.5225% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 2.0426% | 2,115 |
| Noncurrent loans to loans | 4.9011% | 675 |
| Net loans and leases to total assets | 40.9927% | 5,969 |
| Net loans and leases to deposits | 47.3824% | 6,024 |
| Net loans and leases to core deposits | 53.2974% | 5,803 |
| Total domestic deposits to total assets | 86.5147% | 3,110 |
| Equity capital to assets | 8.9141% | 5,307 |
| Core capital (leverage) ratio | 9.7287% | 3,897 |
| Tier 1 risk-based capital ratio | 23.1179% | 1,116 |
| Total risk-based capital ratio | 24.3744% | 1,101 |
| Memoranda: | ||
| Average total assets | $109,188,000 | 4,582 |
| Average earning assets | $105,485,670 | 4,448 |
| Average equity | $10,164,670 | 4,896 |
| Average total loans | $46,001,670 | 5,188 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6934% | 6,949 |
| Cost of funding earning assets | 0.1852% | 6,645 |
| Net interest margin | 1.5082% | 6,934 |
| Noninterest income to average assets | 0.6054% | 3,105 |
| Noninterest expense to average assets | 2.7297% | 3,947 |
| Loan and lease loss provision to assets | 0.0483% | 3,814 |
| Net operating income to assets | -0.7205% | 6,742 |
| Return on assets (ROA) | -0.6388% | 6,741 |
| Pretax return on assets | -0.6388% | 6,714 |
| Return on Equity (ROE) | -6.7135% | 6,737 |
| Retained earnings to average equity (ytd only) | -6.7135% | 6,456 |
| Net charge-offs to loans | -0.0175% | 5,659 |
| Credit loss provision to net charge-offs | -650.0000% | 5,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.6715% | 134 |
| Assets per employee ($millions) | 7.6081% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6600% | 3,166 |
| Loan loss allowance to noncurrent loans | 32.8677% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 2.1509% | 2,183 |
| Noncurrent loans to loans | 5.0505% | 749 |
| Net loans and leases to total assets | 41.8809% | 5,853 |
| Net loans and leases to deposits | 46.2428% | 6,044 |
| Net loans and leases to core deposits | 51.8456% | 5,836 |
| Total domestic deposits to total assets | 90.5674% | 734 |
| Equity capital to assets | 9.3678% | 5,034 |
| Core capital (leverage) ratio | 8.7382% | 5,277 |
| Tier 1 risk-based capital ratio | 19.9724% | 1,781 |
| Total risk-based capital ratio | 21.2250% | 1,748 |
| Memoranda: | ||
| Average total assets | $107,702,500 | 4,659 |
| Average earning assets | $103,697,000 | 4,526 |
| Average equity | $10,248,000 | 4,938 |
| Average total loans | $45,630,000 | 5,227 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5544% | 6,917 |
| Cost of funding earning assets | 0.1949% | 6,848 |
| Net interest margin | 2.3595% | 6,807 |
| Noninterest income to average assets | 0.4182% | 4,467 |
| Noninterest expense to average assets | 2.6340% | 4,628 |
| Loan and lease loss provision to assets | 0.2258% | 2,872 |
| Net operating income to assets | -0.4147% | 6,524 |
| Return on assets (ROA) | -3.0197% | 7,012 |
| Pretax return on assets | -2.7816% | 7,000 |
| Return on Equity (ROE) | -30.1465% | 6,955 |
| Retained earnings to average equity (ytd only) | -30.1465% | 6,937 |
| Net charge-offs to loans | -0.0246% | 6,585 |
| Credit loss provision to net charge-offs | -2,336.3636% | 6,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1663% | 626 |
| Assets per employee ($millions) | 7.7779% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 3,898 |
| Loan loss allowance to noncurrent loans | 29.2449% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 2.1039% | 2,329 |
| Noncurrent loans to loans | 4.9915% | 800 |
| Net loans and leases to total assets | 41.5351% | 6,042 |
| Net loans and leases to deposits | 47.2424% | 6,161 |
| Net loans and leases to core deposits | 52.6900% | 5,964 |
| Total domestic deposits to total assets | 87.9191% | 2,288 |
| Equity capital to assets | 9.6592% | 4,641 |
| Core capital (leverage) ratio | 9.1130% | 4,720 |
| Tier 1 risk-based capital ratio | 21.6358% | 1,332 |
| Total risk-based capital ratio | 22.8907% | 1,306 |
| Memoranda: | ||
| Average total assets | $113,819,400 | 4,501 |
| Average earning assets | $109,261,200 | 4,359 |
| Average equity | $11,401,000 | 4,689 |
| Average total loans | $44,742,600 | 5,295 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7783% | 6,979 |
| Cost of funding earning assets | 0.1965% | 6,956 |
| Net interest margin | 2.5818% | 6,772 |
| Noninterest income to average assets | 0.4207% | 4,479 |
| Noninterest expense to average assets | 2.6341% | 4,623 |
| Loan and lease loss provision to assets | 0.0695% | 4,805 |
| Net operating income to assets | -0.0801% | 6,386 |
| Return on assets (ROA) | -3.5508% | 7,129 |
| Pretax return on assets | -3.2367% | 7,117 |
| Return on Equity (ROE) | -35.1516% | 7,084 |
| Retained earnings to average equity (ytd only) | -35.1516% | 7,076 |
| Net charge-offs to loans | -0.0240% | 6,536 |
| Credit loss provision to net charge-offs | -750.0000% | 6,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7385% | 985 |
| Assets per employee ($millions) | 8.7055% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,048 |
| Loan loss allowance to noncurrent loans | 20.5151% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 2.0244% | 2,606 |
| Noncurrent loans to loans | 4.9135% | 926 |
| Net loans and leases to total assets | 40.7848% | 6,221 |
| Net loans and leases to deposits | 49.1272% | 6,181 |
| Net loans and leases to core deposits | 54.7637% | 5,987 |
| Total domestic deposits to total assets | 83.0188% | 4,631 |
| Equity capital to assets | 9.8196% | 4,751 |
| Core capital (leverage) ratio | 9.0748% | 4,958 |
| Tier 1 risk-based capital ratio | 22.4028% | 1,264 |
| Total risk-based capital ratio | 23.5486% | 1,259 |
| Memoranda: | ||
| Average total assets | $115,051,500 | 4,507 |
| Average earning assets | $110,617,000 | 4,375 |
| Average equity | $11,621,750 | 4,689 |
| Average total loans | $44,453,750 | 5,376 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8058% | 7,041 |
| Cost of funding earning assets | 0.1986% | 7,035 |
| Net interest margin | 2.6072% | 6,812 |
| Noninterest income to average assets | 0.4219% | 4,485 |
| Noninterest expense to average assets | 2.6003% | 4,778 |
| Loan and lease loss provision to assets | 0.0519% | 5,015 |
| Net operating income to assets | -0.1519% | 6,490 |
| Return on assets (ROA) | -0.0622% | 6,512 |
| Pretax return on assets | 0.4063% | 5,697 |
| Return on Equity (ROE) | -0.6106% | 6,513 |
| Retained earnings to average equity (ytd only) | -0.6106% | 6,148 |
| Net charge-offs to loans | -0.0320% | 6,547 |
| Credit loss provision to net charge-offs | -428.5714% | 6,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0995% | 1,139 |
| Assets per employee ($millions) | 8.6982% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 6,305 |
| Loan loss allowance to noncurrent loans | 20.8156% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 1.8651% | 2,948 |
| Noncurrent loans to loans | 4.5987% | 1,136 |
| Net loans and leases to total assets | 40.1691% | 6,325 |
| Net loans and leases to deposits | 47.3580% | 6,349 |
| Net loans and leases to core deposits | 52.6583% | 6,190 |
| Total domestic deposits to total assets | 84.8201% | 3,942 |
| Equity capital to assets | 10.6582% | 3,503 |
| Core capital (leverage) ratio | 9.8248% | 3,679 |
| Tier 1 risk-based capital ratio | 24.8371% | 917 |
| Total risk-based capital ratio | 25.9254% | 921 |
| Memoranda: | ||
| Average total assets | $115,678,000 | 4,514 |
| Average earning assets | $110,771,670 | 4,389 |
| Average equity | $11,791,330 | 4,654 |
| Average total loans | $43,729,330 | 5,439 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0194% | 7,036 |
| Cost of funding earning assets | 0.2013% | 7,102 |
| Net interest margin | 2.8181% | 6,608 |
| Noninterest income to average assets | 0.4172% | 4,538 |
| Noninterest expense to average assets | 2.4928% | 5,172 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.3214% | 6,719 |
| Return on assets (ROA) | -0.3214% | 6,760 |
| Pretax return on assets | 0.6052% | 5,099 |
| Return on Equity (ROE) | -3.2244% | 6,769 |
| Retained earnings to average equity (ytd only) | -3.2244% | 6,423 |
| Net charge-offs to loans | -0.0281% | 6,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4636% | 2,146 |
| Assets per employee ($millions) | 9.1595% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 6,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 37.2735% | 6,544 |
| Net loans and leases to deposits | 43.5640% | 6,582 |
| Net loans and leases to core deposits | 48.1237% | 6,452 |
| Total domestic deposits to total assets | 85.5602% | 3,763 |
| Equity capital to assets | 9.7368% | 4,471 |
| Core capital (leverage) ratio | 9.8944% | 3,506 |
| Tier 1 risk-based capital ratio | 25.1071% | 895 |
| Total risk-based capital ratio | 26.1385% | 906 |
| Memoranda: | ||
| Average total assets | $116,978,500 | 4,516 |
| Average earning assets | $111,280,500 | 4,409 |
| Average equity | $11,661,000 | 4,688 |
| Average total loans | $42,663,500 | 5,522 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0403% | 7,170 |
| Cost of funding earning assets | 0.2180% | 7,219 |
| Net interest margin | 2.8223% | 6,796 |
| Noninterest income to average assets | 0.3815% | 4,775 |
| Noninterest expense to average assets | 2.2652% | 6,137 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4892% | 4,470 |
| Return on assets (ROA) | 0.5002% | 4,636 |
| Pretax return on assets | 0.8358% | 3,844 |
| Return on Equity (ROE) | 5.3871% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.3871% | 2,385 |
| Net charge-offs to loans | -0.0221% | 6,968 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4537% | 3,313 |
| Assets per employee ($millions) | 8.8372% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 6,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 34.9364% | 6,821 |
| Net loans and leases to deposits | 40.7278% | 6,838 |
| Net loans and leases to core deposits | 45.3396% | 6,757 |
| Total domestic deposits to total assets | 85.7803% | 3,441 |
| Equity capital to assets | 10.2086% | 3,894 |
| Core capital (leverage) ratio | 8.0878% | 6,158 |
| Tier 1 risk-based capital ratio | 27.5174% | 660 |
| Total risk-based capital ratio | 28.6315% | 659 |
| Memoranda: | ||
| Average total assets | $122,154,200 | 4,341 |
| Average earning assets | $116,962,800 | 4,210 |
| Average equity | $11,342,000 | 4,700 |
| Average total loans | $40,718,000 | 5,661 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9634% | 7,272 |
| Cost of funding earning assets | 0.2122% | 7,318 |
| Net interest margin | 2.7512% | 6,945 |
| Noninterest income to average assets | 0.3635% | 4,961 |
| Noninterest expense to average assets | 2.2133% | 6,247 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4704% | 4,674 |
| Return on assets (ROA) | 0.4635% | 4,897 |
| Pretax return on assets | 0.7743% | 4,220 |
| Return on Equity (ROE) | 5.1100% | 4,484 |
| Retained earnings to average equity (ytd only) | 5.1100% | 3,100 |
| Net charge-offs to loans | -0.0229% | 6,934 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8164% | 3,215 |
| Assets per employee ($millions) | 12.8115% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 6,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 24.3808% | 7,226 |
| Net loans and leases to deposits | 27.8114% | 7,247 |
| Net loans and leases to core deposits | 30.0043% | 7,229 |
| Total domestic deposits to total assets | 87.6649% | 2,256 |
| Equity capital to assets | 7.0802% | 7,040 |
| Core capital (leverage) ratio | 9.5366% | 4,102 |
| Tier 1 risk-based capital ratio | 23.6494% | 1,052 |
| Total risk-based capital ratio | 24.6200% | 1,074 |
| Memoranda: | ||
| Average total assets | $123,972,000 | 4,315 |
| Average earning assets | $118,733,000 | 4,189 |
| Average equity | $11,245,500 | 4,746 |
| Average total loans | $40,762,750 | 5,711 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3630% | 7,226 |
| Cost of funding earning assets | 0.2401% | 7,370 |
| Net interest margin | 3.1229% | 6,362 |
| Noninterest income to average assets | 0.4044% | 4,643 |
| Noninterest expense to average assets | 2.4813% | 5,610 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5764% | 4,175 |
| Return on assets (ROA) | 0.5192% | 4,562 |
| Pretax return on assets | 0.8672% | 3,773 |
| Return on Equity (ROE) | 5.1522% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.1522% | 2,909 |
| Net charge-offs to loans | -0.0197% | 6,817 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1781% | 3,700 |
| Assets per employee ($millions) | 8.0444% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 6,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 36.9584% | 6,912 |
| Net loans and leases to deposits | 46.7821% | 6,794 |
| Net loans and leases to core deposits | 52.3415% | 6,642 |
| Total domestic deposits to total assets | 79.0011% | 6,089 |
| Equity capital to assets | 10.9470% | 3,014 |
| Core capital (leverage) ratio | 10.4893% | 2,723 |
| Tier 1 risk-based capital ratio | 25.3867% | 869 |
| Total risk-based capital ratio | 26.4353% | 872 |
| Memoranda: | ||
| Average total assets | $109,779,670 | 4,704 |
| Average earning assets | $106,631,670 | 4,544 |
| Average equity | $11,063,330 | 4,791 |
| Average total loans | $40,681,670 | 5,770 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2462% | 7,326 |
| Cost of funding earning assets | 0.2460% | 7,442 |
| Net interest margin | 3.0001% | 6,574 |
| Noninterest income to average assets | 0.3844% | 4,835 |
| Noninterest expense to average assets | 2.4666% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4953% | 4,502 |
| Return on assets (ROA) | 0.5090% | 4,538 |
| Pretax return on assets | 0.8471% | 3,711 |
| Return on Equity (ROE) | 5.2617% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.2617% | 3,027 |
| Net charge-offs to loans | -0.0193% | 6,556 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9189% | 3,343 |
| Assets per employee ($millions) | 8.4944% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 6,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 36.7138% | 6,969 |
| Net loans and leases to deposits | 44.6739% | 6,924 |
| Net loans and leases to core deposits | 48.6313% | 6,852 |
| Total domestic deposits to total assets | 82.1819% | 5,233 |
| Equity capital to assets | 9.8970% | 3,903 |
| Core capital (leverage) ratio | 9.6851% | 3,548 |
| Tier 1 risk-based capital ratio | 24.8513% | 891 |
| Total risk-based capital ratio | 25.8864% | 894 |
| Memoranda: | ||
| Average total assets | $112,381,000 | 4,678 |
| Average earning assets | $108,928,000 | 4,500 |
| Average equity | $10,871,000 | 4,824 |
| Average total loans | $41,499,000 | 5,788 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3672% | 7,423 |
| Cost of funding earning assets | 0.2360% | 7,534 |
| Net interest margin | 3.1312% | 6,436 |
| Noninterest income to average assets | 0.4333% | 4,654 |
| Noninterest expense to average assets | 2.6301% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3175% | 4,876 |
| Return on assets (ROA) | 0.6458% | 3,609 |
| Pretax return on assets | 1.2459% | 2,086 |
| Return on Equity (ROE) | 6.6888% | 3,263 |
| Retained earnings to average equity (ytd only) | 6.6888% | 1,459 |
| Net charge-offs to loans | -0.0161% | 7,347 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2076% | 2,672 |
| Assets per employee ($millions) | 8.7950% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 6,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 36.4455% | 7,141 |
| Net loans and leases to deposits | 45.3556% | 7,066 |
| Net loans and leases to core deposits | 49.8254% | 6,986 |
| Total domestic deposits to total assets | 80.3551% | 5,734 |
| Equity capital to assets | 9.4573% | 4,458 |
| Core capital (leverage) ratio | 10.1465% | 2,932 |
| Tier 1 risk-based capital ratio | 26.5130% | 706 |
| Total risk-based capital ratio | 27.6268% | 707 |
| Memoranda: | ||
| Average total assets | $109,158,800 | 4,736 |
| Average earning assets | $102,132,200 | 4,666 |
| Average equity | $10,540,000 | 4,979 |
| Average total loans | $43,546,600 | 5,768 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4471% | 7,548 |
| Cost of funding earning assets | 0.2428% | 7,657 |
| Net interest margin | 3.2043% | 6,328 |
| Noninterest income to average assets | 0.4351% | 4,676 |
| Noninterest expense to average assets | 2.7528% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4297% | 4,627 |
| Return on assets (ROA) | 0.5080% | 4,467 |
| Pretax return on assets | 0.7701% | 4,009 |
| Return on Equity (ROE) | 5.2330% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.2330% | 2,821 |
| Net charge-offs to loans | -0.0182% | 7,342 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8642% | 2,234 |
| Assets per employee ($millions) | 8.3084% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 6,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 38.7699% | 7,143 |
| Net loans and leases to deposits | 50.4920% | 6,984 |
| Net loans and leases to core deposits | 56.2586% | 6,842 |
| Total domestic deposits to total assets | 76.7843% | 6,533 |
| Equity capital to assets | 10.3103% | 3,752 |
| Core capital (leverage) ratio | 9.8185% | 3,462 |
| Tier 1 risk-based capital ratio | 26.4030% | 743 |
| Total risk-based capital ratio | 27.5402% | 734 |
| Memoranda: | ||
| Average total assets | $107,864,750 | 4,840 |
| Average earning assets | $99,945,500 | 4,781 |
| Average equity | $10,471,750 | 5,066 |
| Average total loans | $43,917,250 | 5,832 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3788% | 7,644 |
| Cost of funding earning assets | 0.2499% | 7,730 |
| Net interest margin | 3.1289% | 6,522 |
| Noninterest income to average assets | 0.4508% | 4,504 |
| Noninterest expense to average assets | 2.8511% | 4,260 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3007% | 5,183 |
| Return on assets (ROA) | 0.3154% | 5,282 |
| Pretax return on assets | 0.4786% | 4,966 |
| Return on Equity (ROE) | 3.3170% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.3170% | 4,000 |
| Net charge-offs to loans | -0.0180% | 7,269 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2030% | 1,688 |
| Assets per employee ($millions) | 8.0478% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 6,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 42.5685% | 7,003 |
| Net loans and leases to deposits | 48.9401% | 7,113 |
| Net loans and leases to core deposits | 54.1623% | 7,026 |
| Total domestic deposits to total assets | 86.9807% | 2,535 |
| Equity capital to assets | 10.1661% | 3,814 |
| Core capital (leverage) ratio | 10.0571% | 3,107 |
| Tier 1 risk-based capital ratio | 25.1282% | 833 |
| Total risk-based capital ratio | 26.2308% | 828 |
| Memoranda: | ||
| Average total assets | $107,816,670 | 4,865 |
| Average earning assets | $98,436,670 | 4,864 |
| Average equity | $10,250,330 | 5,128 |
| Average total loans | $44,469,670 | 5,840 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3106% | 7,751 |
| Cost of funding earning assets | 0.2827% | 7,827 |
| Net interest margin | 3.0279% | 6,769 |
| Noninterest income to average assets | 0.4899% | 4,124 |
| Noninterest expense to average assets | 2.8187% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2438% | 5,526 |
| Return on assets (ROA) | 0.2011% | 5,803 |
| Pretax return on assets | 0.3071% | 5,579 |
| Return on Equity (ROE) | 2.1874% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.1874% | 4,822 |
| Net charge-offs to loans | -0.0181% | 7,049 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3162% | 1,557 |
| Assets per employee ($millions) | 8.2292% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 6,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 40.9581% | 7,189 |
| Net loans and leases to deposits | 51.9824% | 7,041 |
| Net loans and leases to core deposits | 57.4370% | 6,909 |
| Total domestic deposits to total assets | 78.7923% | 6,126 |
| Equity capital to assets | 9.4401% | 4,629 |
| Core capital (leverage) ratio | 9.4967% | 3,779 |
| Tier 1 risk-based capital ratio | 23.7072% | 992 |
| Total risk-based capital ratio | 24.7543% | 988 |
| Memoranda: | ||
| Average total assets | $109,414,000 | 4,886 |
| Average earning assets | $97,624,500 | 4,938 |
| Average equity | $10,057,500 | 5,222 |
| Average total loans | $44,246,000 | 5,930 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7652% | 7,897 |
| Cost of funding earning assets | 0.2939% | 7,906 |
| Net interest margin | 2.4713% | 7,452 |
| Noninterest income to average assets | 0.4064% | 5,150 |
| Noninterest expense to average assets | 2.4039% | 6,453 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1994% | 4,904 |
| Return on assets (ROA) | 0.2375% | 4,844 |
| Pretax return on assets | 0.3595% | 4,618 |
| Return on Equity (ROE) | 2.7639% | 4,605 |
| Retained earnings to average equity (ytd only) | 2.7639% | 3,225 |
| Net charge-offs to loans | -0.0117% | 7,757 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8443% | 1,813 |
| Assets per employee ($millions) | 8.6037% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 6,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 39.2649% | 7,387 |
| Net loans and leases to deposits | 43.4839% | 7,530 |
| Net loans and leases to core deposits | 50.1278% | 7,587 |
| Total domestic deposits to total assets | 90.2975% | 839 |
| Equity capital to assets | 8.9550% | 5,213 |
| Core capital (leverage) ratio | 8.5235% | 5,242 |
| Tier 1 risk-based capital ratio | 24.3965% | 915 |
| Total risk-based capital ratio | 25.4728% | 902 |
| Memoranda: | ||
| Average total assets | $119,596,000 | 4,579 |
| Average earning assets | $111,275,400 | 4,528 |
| Average equity | $10,275,200 | 5,222 |
| Average total loans | $42,736,200 | 5,991 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7374% | 7,999 |
| Cost of funding earning assets | 0.2809% | 8,009 |
| Net interest margin | 2.4565% | 7,508 |
| Noninterest income to average assets | 0.3927% | 5,356 |
| Noninterest expense to average assets | 2.3708% | 6,505 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2395% | 5,021 |
| Return on assets (ROA) | 0.2699% | 5,003 |
| Pretax return on assets | 0.4092% | 4,779 |
| Return on Equity (ROE) | 3.1721% | 4,714 |
| Retained earnings to average equity (ytd only) | 3.1721% | 3,540 |
| Net charge-offs to loans | -0.0094% | 7,676 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7175% | 1,993 |
| Assets per employee ($millions) | 8.3966% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 6,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 37.6222% | 7,564 |
| Net loans and leases to deposits | 47.0189% | 7,540 |
| Net loans and leases to core deposits | 55.4037% | 7,562 |
| Total domestic deposits to total assets | 80.0150% | 5,428 |
| Equity capital to assets | 8.6548% | 6,025 |
| Core capital (leverage) ratio | 8.0236% | 6,318 |
| Tier 1 risk-based capital ratio | 10.7024% | 6,245 |
| Total risk-based capital ratio | 11.1742% | 6,998 |
| Memoranda: | ||
| Average total assets | $121,533,000 | 4,557 |
| Average earning assets | $115,826,500 | 4,433 |
| Average equity | $10,340,000 | 5,246 |
| Average total loans | $42,345,750 | 6,053 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8699% | 8,087 |
| Cost of funding earning assets | 0.2531% | 8,118 |
| Net interest margin | 2.6168% | 7,336 |
| Noninterest income to average assets | 0.4265% | 5,069 |
| Noninterest expense to average assets | 2.2904% | 6,781 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4139% | 4,452 |
| Return on assets (ROA) | 0.4591% | 4,372 |
| Pretax return on assets | 0.6951% | 4,016 |
| Return on Equity (ROE) | 5.4255% | 3,892 |
| Retained earnings to average equity (ytd only) | 5.4255% | 2,282 |
| Net charge-offs to loans | -0.0096% | 7,602 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5156% | 3,271 |
| Assets per employee ($millions) | 9.6257% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 6,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 31.4685% | 7,860 |
| Net loans and leases to deposits | 48.5228% | 7,545 |
| Net loans and leases to core deposits | 58.5029% | 7,506 |
| Total domestic deposits to total assets | 64.8531% | 7,797 |
| Equity capital to assets | 7.7063% | 7,068 |
| Core capital (leverage) ratio | 8.4689% | 5,497 |
| Tier 1 risk-based capital ratio | 11.2773% | 5,617 |
| Total risk-based capital ratio | 11.7705% | 6,306 |
| Memoranda: | ||
| Average total assets | $122,859,670 | 4,560 |
| Average earning assets | $116,937,000 | 4,445 |
| Average equity | $10,395,330 | 5,248 |
| Average total loans | $41,591,670 | 6,131 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0448% | 8,137 |
| Cost of funding earning assets | 0.2439% | 8,171 |
| Net interest margin | 2.8009% | 6,989 |
| Noninterest income to average assets | 0.3695% | 5,467 |
| Noninterest expense to average assets | 2.4019% | 6,187 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4218% | 4,771 |
| Return on assets (ROA) | 0.5166% | 4,540 |
| Pretax return on assets | 0.7835% | 4,139 |
| Return on Equity (ROE) | 5.8074% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.8074% | 2,725 |
| Net charge-offs to loans | -0.0293% | 7,547 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9651% | 3,008 |
| Assets per employee ($millions) | 8.4521% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 6,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 34.4351% | 7,793 |
| Net loans and leases to deposits | 39.6271% | 7,846 |
| Net loans and leases to core deposits | 45.2197% | 7,884 |
| Total domestic deposits to total assets | 86.8977% | 2,268 |
| Equity capital to assets | 8.8050% | 5,616 |
| Core capital (leverage) ratio | 8.4722% | 5,595 |
| Tier 1 risk-based capital ratio | 15.0925% | 3,019 |
| Total risk-based capital ratio | 15.7611% | 3,229 |
| Memoranda: | ||
| Average total assets | $116,909,500 | 4,733 |
| Average earning assets | $111,534,500 | 4,594 |
| Average equity | $10,400,500 | 5,259 |
| Average total loans | $40,995,500 | 6,194 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 8,064 |
| Cost of funding earning assets | 1.1342% | 7,986 |
| Net interest margin | 3.1670% | 6,472 |
| Noninterest income to average assets | 0.3273% | 6,103 |
| Noninterest expense to average assets | 2.6223% | 5,568 |
| Loan and lease loss provision to assets | 0.0058% | 7,287 |
| Net operating income to assets | 0.4747% | 4,850 |
| Return on assets (ROA) | 0.4760% | 4,667 |
| Pretax return on assets | 0.7232% | 4,322 |
| Return on Equity (ROE) | 5.0198% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.0198% | 2,019 |
| Net charge-offs to loans | -0.0245% | 7,945 |
| Credit loss provision to net charge-offs | -54.5455% | 7,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2935% | 2,873 |
| Assets per employee ($millions) | 7.6993% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 6,521 |
| Loan loss allowance to noncurrent loans | 24.2638% | 7,044 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 3,500 |
| Noncurrent loans to loans | 3.8222% | 1,303 |
| Net loans and leases to total assets | 35.0570% | 7,865 |
| Net loans and leases to deposits | 38.9145% | 7,960 |
| Net loans and leases to core deposits | 45.5268% | 7,972 |
| Total domestic deposits to total assets | 90.0874% | 617 |
| Equity capital to assets | 8.9896% | 5,376 |
| Core capital (leverage) ratio | 8.8147% | 5,018 |
| Tier 1 risk-based capital ratio | 18.0855% | 2,017 |
| Total risk-based capital ratio | 18.8933% | 2,075 |
| Memoranda: | ||
| Average total assets | $103,574,600 | 4,949 |
| Average earning assets | $98,832,800 | 4,837 |
| Average equity | $9,821,200 | 5,465 |
| Average total loans | $44,872,800 | 5,931 |