Home > Charlevoix State Bank > Performance and Condition Ratios
Charlevoix State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7019% | 4,274 |
| Cost of funding earning assets | 0.4627% | 4,238 |
| Net interest margin | 3.2392% | 2,777 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 2.4585% | 2,421 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.5005% | 1,017 |
| Return on assets (ROA) | 1.5005% | 989 |
| Pretax return on assets | 1.5005% | 1,419 |
| Return on Equity (ROE) | 26.6800% | 261 |
| Retained earnings to average equity (ytd only) | 5.8197% | 2,316 |
| Net charge-offs to loans | 0.0798% | 1,064 |
| Credit loss provision to net charge-offs | 38.4615% | 2,245 |
| Earnings coverage of net charge-offs (x) | 45.7253% | 1,346 |
| Efficiency ratio | 61.8991% | 2,843 |
| Assets per employee ($millions) | 6.9573% | 2,099 |
| Cash dividends to net income (ytd only)* | 78.1871% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 1,526 |
| Loan loss allowance to noncurrent loans | 877.5281% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,133 |
| Noncurrent loans to loans | 0.1557% | 2,741 |
| Net loans and leases to total assets | 41.5600% | 3,980 |
| Net loans and leases to deposits | 46.6410% | 4,027 |
| Net loans and leases to core deposits | 47.0263% | 4,142 |
| Total domestic deposits to total assets | 89.1000% | 1,036 |
| Equity capital to assets | 6.6494% | 4,066 |
| Core capital (leverage) ratio | 9.1513% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2175% | 589 |
| Memoranda: | ||
| Average total assets | $274,966,600 | 2,551 |
| Average earning assets | $259,757,400 | 2,521 |
| Average equity | $15,464,800 | 3,226 |
| Average total loans | $113,986,800 | 3,007 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5812% | 4,325 |
| Cost of funding earning assets | 0.4182% | 4,235 |
| Net interest margin | 3.1630% | 2,996 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 2.3943% | 2,526 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.4813% | 1,158 |
| Return on assets (ROA) | 1.4813% | 1,139 |
| Pretax return on assets | 1.4813% | 1,598 |
| Return on Equity (ROE) | 27.5700% | 291 |
| Retained earnings to average equity (ytd only) | 8.0967% | 1,929 |
| Net charge-offs to loans | 0.0258% | 1,556 |
| Credit loss provision to net charge-offs | 159.0909% | 1,283 |
| Earnings coverage of net charge-offs (x) | 140.9091% | 765 |
| Efficiency ratio | 61.5098% | 2,783 |
| Assets per employee ($millions) | 7.1793% | 1,833 |
| Cash dividends to net income (ytd only)* | 70.6362% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 1,348 |
| Loan loss allowance to noncurrent loans | 647.6190% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 3,003 |
| Noncurrent loans to loans | 0.2200% | 2,471 |
| Net loans and leases to total assets | 39.3200% | 4,082 |
| Net loans and leases to deposits | 43.4398% | 4,121 |
| Net loans and leases to core deposits | 43.8834% | 4,175 |
| Total domestic deposits to total assets | 90.5200% | 801 |
| Equity capital to assets | 5.3087% | 4,191 |
| Core capital (leverage) ratio | 8.9840% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0076% | 628 |
| Memoranda: | ||
| Average total assets | $275,874,750 | 2,551 |
| Average earning assets | $260,798,000 | 2,517 |
| Average equity | $14,820,500 | 3,277 |
| Average total loans | $113,904,250 | 3,015 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5250% | 4,321 |
| Cost of funding earning assets | 0.3446% | 4,249 |
| Net interest margin | 3.1805% | 3,034 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.2182% | 3,021 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.4443% | 1,229 |
| Return on assets (ROA) | 1.4443% | 1,215 |
| Pretax return on assets | 1.4443% | 1,713 |
| Return on Equity (ROE) | 26.7700% | 297 |
| Retained earnings to average equity (ytd only) | 8.1749% | 1,911 |
| Net charge-offs to loans | 0.0387% | 1,138 |
| Credit loss provision to net charge-offs | 159.0909% | 1,164 |
| Earnings coverage of net charge-offs (x) | 90.9091% | 989 |
| Efficiency ratio | 60.1435% | 2,944 |
| Assets per employee ($millions) | 7.1286% | 1,826 |
| Cash dividends to net income (ytd only)* | 69.4656% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 1,438 |
| Loan loss allowance to noncurrent loans | 712.6638% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 2,692 |
| Noncurrent loans to loans | 0.1997% | 2,467 |
| Net loans and leases to total assets | 41.7300% | 3,978 |
| Net loans and leases to deposits | 46.2371% | 4,038 |
| Net loans and leases to core deposits | 46.7740% | 4,107 |
| Total domestic deposits to total assets | 90.2500% | 857 |
| Equity capital to assets | 5.5097% | 4,292 |
| Core capital (leverage) ratio | 9.3070% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7432% | 655 |
| Memoranda: | ||
| Average total assets | $272,109,000 | 2,576 |
| Average earning assets | $257,131,667 | 2,545 |
| Average equity | $14,679,000 | 3,303 |
| Average total loans | $113,686,000 | 3,022 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5046% | 4,257 |
| Cost of funding earning assets | 0.1798% | 4,410 |
| Net interest margin | 3.3248% | 2,814 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.1883% | 3,129 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.5283% | 1,122 |
| Return on assets (ROA) | 1.5283% | 1,102 |
| Pretax return on assets | 1.5283% | 1,606 |
| Return on Equity (ROE) | 28.6300% | 265 |
| Retained earnings to average equity (ytd only) | 8.2990% | 2,140 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.0771% | 3,187 |
| Assets per employee ($millions) | 6.7094% | 2,188 |
| Cash dividends to net income (ytd only)* | 71.0173% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 1,383 |
| Loan loss allowance to noncurrent loans | 725.0000% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 2,554 |
| Noncurrent loans to loans | 0.2021% | 2,460 |
| Net loans and leases to total assets | 41.4200% | 3,979 |
| Net loans and leases to deposits | 44.9467% | 4,074 |
| Net loans and leases to core deposits | 45.1507% | 4,141 |
| Total domestic deposits to total assets | 92.1600% | 481 |
| Equity capital to assets | 5.8530% | 4,253 |
| Core capital (leverage) ratio | 8.9880% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8908% | 669 |
| Memoranda: | ||
| Average total assets | $272,721,000 | 2,600 |
| Average earning assets | $258,062,000 | 2,571 |
| Average equity | $14,556,000 | 3,345 |
| Average total loans | $113,195,500 | 3,059 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6664% | 4,425 |
| Cost of funding earning assets | 0.1053% | 4,372 |
| Net interest margin | 2.5611% | 4,221 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.1307% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0704% | 2,302 |
| Return on assets (ROA) | 1.0708% | 2,237 |
| Pretax return on assets | 1.0708% | 2,860 |
| Return on Equity (ROE) | 20.7100% | 410 |
| Retained earnings to average equity (ytd only) | 7.6219% | 1,980 |
| Net charge-offs to loans | 0.0316% | 1,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 93.1143% | 1,007 |
| Efficiency ratio | 66.5606% | 2,139 |
| Assets per employee ($millions) | 7.1042% | 1,891 |
| Cash dividends to net income (ytd only)* | 63.1902% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 1,419 |
| Loan loss allowance to noncurrent loans | 216.8901% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 1,728 |
| Noncurrent loans to loans | 0.6569% | 1,133 |
| Net loans and leases to total assets | 40.4100% | 4,053 |
| Net loans and leases to deposits | 42.6035% | 4,159 |
| Net loans and leases to core deposits | 42.7365% | 4,213 |
| Total domestic deposits to total assets | 94.8400% | 157 |
| Equity capital to assets | 4.8379% | 4,398 |
| Core capital (leverage) ratio | 8.3702% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3693% | 685 |
| Memoranda: | ||
| Average total assets | $304,454,600 | 2,426 |
| Average earning assets | $284,915,200 | 2,420 |
| Average equity | $15,744,200 | 3,300 |
| Average total loans | $110,764,400 | 3,019 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4955% | 4,446 |
| Cost of funding earning assets | 0.1046% | 4,246 |
| Net interest margin | 2.3909% | 4,337 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 2.0751% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9512% | 2,665 |
| Return on assets (ROA) | 0.9517% | 2,631 |
| Pretax return on assets | 0.9517% | 3,175 |
| Return on Equity (ROE) | 18.1400% | 627 |
| Retained earnings to average equity (ytd only) | 4.6704% | 3,212 |
| Net charge-offs to loans | -0.0170% | 3,931 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.5678% | 1,947 |
| Assets per employee ($millions) | 7.8440% | 1,406 |
| Cash dividends to net income (ytd only)* | 74.2574% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 1,153 |
| Loan loss allowance to noncurrent loans | 276.9103% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 2,209 |
| Noncurrent loans to loans | 0.5627% | 1,421 |
| Net loans and leases to total assets | 34.4300% | 4,288 |
| Net loans and leases to deposits | 35.9619% | 4,364 |
| Net loans and leases to core deposits | 36.0626% | 4,405 |
| Total domestic deposits to total assets | 95.7400% | 152 |
| Equity capital to assets | 4.0223% | 4,474 |
| Core capital (leverage) ratio | 7.7032% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6500% | 670 |
| Memoranda: | ||
| Average total assets | $311,302,000 | 2,411 |
| Average earning assets | $290,649,500 | 2,398 |
| Average equity | $16,329,250 | 3,284 |
| Average total loans | $110,062,750 | 3,036 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3589% | 4,484 |
| Cost of funding earning assets | 0.1068% | 4,115 |
| Net interest margin | 2.2521% | 4,380 |
| Noninterest income to average assets | 0.6324% | 1,607 |
| Noninterest expense to average assets | 1.9195% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8138% | 2,907 |
| Return on assets (ROA) | 0.8144% | 2,876 |
| Pretax return on assets | 0.8144% | 3,282 |
| Return on Equity (ROE) | 14.4307% | 1,016 |
| Retained earnings to average equity (ytd only) | 1.4148% | 3,896 |
| Net charge-offs to loans | 0.0270% | 1,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 84.9333% | 901 |
| Efficiency ratio | 70.2267% | 1,927 |
| Assets per employee ($millions) | 7.2983% | 1,739 |
| Cash dividends to net income (ytd only)* | 90.1961% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,382 |
| Loan loss allowance to noncurrent loans | 264.6204% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 2,267 |
| Noncurrent loans to loans | 0.5703% | 1,485 |
| Net loans and leases to total assets | 34.0655% | 4,334 |
| Net loans and leases to deposits | 35.7490% | 4,398 |
| Net loans and leases to core deposits | 35.9470% | 4,437 |
| Total domestic deposits to total assets | 95.2907% | 121 |
| Equity capital to assets | 4.4292% | 4,572 |
| Core capital (leverage) ratio | 7.3264% | 4,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9516% | 726 |
| Memoranda: | ||
| Average total assets | $313,097,333 | 2,422 |
| Average earning assets | $292,084,333 | 2,424 |
| Average equity | $17,670,667 | 3,265 |
| Average total loans | $111,086,000 | 3,051 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2925% | 4,461 |
| Cost of funding earning assets | 0.1047% | 4,072 |
| Net interest margin | 2.1878% | 4,362 |
| Noninterest income to average assets | 0.6114% | 1,648 |
| Noninterest expense to average assets | 1.8764% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7662% | 2,792 |
| Return on assets (ROA) | 0.7662% | 2,782 |
| Pretax return on assets | 0.7662% | 3,210 |
| Return on Equity (ROE) | 12.2520% | 1,242 |
| Retained earnings to average equity (ytd only) | 12.2520% | 567 |
| Net charge-offs to loans | 0.0534% | 755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 39.9333% | 1,010 |
| Efficiency ratio | 71.0068% | 2,099 |
| Assets per employee ($millions) | 7.4426% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 1,588 |
| Loan loss allowance to noncurrent loans | 237.7358% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 2,249 |
| Noncurrent loans to loans | 0.6256% | 1,500 |
| Net loans and leases to total assets | 34.7080% | 4,274 |
| Net loans and leases to deposits | 36.8278% | 4,356 |
| Net loans and leases to core deposits | 37.0348% | 4,398 |
| Total domestic deposits to total assets | 94.2439% | 94 |
| Equity capital to assets | 5.4993% | 4,665 |
| Core capital (leverage) ratio | 7.4675% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0206% | 753 |
| Memoranda: | ||
| Average total assets | $312,732,000 | 2,433 |
| Average earning assets | $290,339,500 | 2,441 |
| Average equity | $19,556,000 | 3,181 |
| Average total loans | $112,356,500 | 3,029 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8942% | 4,064 |
| Cost of funding earning assets | 0.1272% | 4,171 |
| Net interest margin | 2.7670% | 3,736 |
| Noninterest income to average assets | 1.0669% | 899 |
| Noninterest expense to average assets | 2.2100% | 3,049 |
| Loan and lease loss provision to assets | -0.1357% | 4,604 |
| Net operating income to assets | 1.5538% | 901 |
| Return on assets (ROA) | 1.5548% | 931 |
| Pretax return on assets | 1.5548% | 1,558 |
| Return on Equity (ROE) | 20.4455% | 286 |
| Retained earnings to average equity (ytd only) | 12.9321% | 405 |
| Net charge-offs to loans | -0.3290% | 4,753 |
| Credit loss provision to net charge-offs | 98.4925% | 1,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9144% | 3,008 |
| Assets per employee ($millions) | 7.6311% | 1,536 |
| Cash dividends to net income (ytd only)* | 36.7483% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 1,756 |
| Loan loss allowance to noncurrent loans | 267.4757% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 2,513 |
| Noncurrent loans to loans | 0.5394% | 1,777 |
| Net loans and leases to total assets | 36.0939% | 4,283 |
| Net loans and leases to deposits | 38.9773% | 4,370 |
| Net loans and leases to core deposits | 39.1999% | 4,415 |
| Total domestic deposits to total assets | 92.6022% | 80 |
| Equity capital to assets | 7.0066% | 4,716 |
| Core capital (leverage) ratio | 7.3474% | 4,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5037% | 822 |
| Memoranda: | ||
| Average total assets | $288,778,200 | 2,489 |
| Average earning assets | $267,293,200 | 2,509 |
| Average equity | $21,960,800 | 3,064 |
| Average total loans | $120,956,400 | 2,943 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0682% | 3,871 |
| Cost of funding earning assets | 0.1360% | 4,220 |
| Net interest margin | 2.9322% | 3,475 |
| Noninterest income to average assets | 1.1265% | 895 |
| Noninterest expense to average assets | 2.2035% | 3,060 |
| Loan and lease loss provision to assets | -0.1850% | 4,734 |
| Net operating income to assets | 1.8220% | 637 |
| Return on assets (ROA) | 1.8234% | 664 |
| Pretax return on assets | 1.8234% | 1,110 |
| Return on Equity (ROE) | 23.4672% | 232 |
| Retained earnings to average equity (ytd only) | 12.5438% | 717 |
| Net charge-offs to loans | -0.4287% | 4,829 |
| Credit loss provision to net charge-offs | 99.4924% | 1,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3726% | 3,370 |
| Assets per employee ($millions) | 7.7165% | 1,438 |
| Cash dividends to net income (ytd only)* | 46.5477% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 2,059 |
| Loan loss allowance to noncurrent loans | 258.8697% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 2,710 |
| Noncurrent loans to loans | 0.5378% | 1,971 |
| Net loans and leases to total assets | 36.9166% | 4,342 |
| Net loans and leases to deposits | 39.8587% | 4,452 |
| Net loans and leases to core deposits | 40.1703% | 4,508 |
| Total domestic deposits to total assets | 92.6186% | 61 |
| Equity capital to assets | 7.1016% | 4,794 |
| Core capital (leverage) ratio | 7.3950% | 4,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7913% | 993 |
| Memoranda: | ||
| Average total assets | $282,753,750 | 2,544 |
| Average earning assets | $261,730,000 | 2,562 |
| Average equity | $21,970,500 | 3,093 |
| Average total loans | $122,550,000 | 2,972 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4446% | 3,040 |
| Cost of funding earning assets | 0.1451% | 4,249 |
| Net interest margin | 3.2995% | 2,436 |
| Noninterest income to average assets | 1.0304% | 1,025 |
| Noninterest expense to average assets | 2.0866% | 3,422 |
| Loan and lease loss provision to assets | -0.2887% | 4,829 |
| Net operating income to assets | 2.2803% | 293 |
| Return on assets (ROA) | 2.2825% | 312 |
| Pretax return on assets | 2.2825% | 498 |
| Return on Equity (ROE) | 28.4251% | 118 |
| Retained earnings to average equity (ytd only) | 16.0424% | 335 |
| Net charge-offs to loans | -0.6375% | 4,880 |
| Credit loss provision to net charge-offs | 99.2405% | 1,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1649% | 4,128 |
| Assets per employee ($millions) | 6.6772% | 2,038 |
| Cash dividends to net income (ytd only)* | 43.5624% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 2,160 |
| Loan loss allowance to noncurrent loans | 152.7778% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 2,048 |
| Noncurrent loans to loans | 0.8895% | 1,386 |
| Net loans and leases to total assets | 41.7141% | 4,196 |
| Net loans and leases to deposits | 45.3598% | 4,334 |
| Net loans and leases to core deposits | 45.7525% | 4,401 |
| Total domestic deposits to total assets | 91.9626% | 132 |
| Equity capital to assets | 7.7550% | 4,652 |
| Core capital (leverage) ratio | 7.9154% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1908% | 1,565 |
| Memoranda: | ||
| Average total assets | $271,545,667 | 2,601 |
| Average earning assets | $250,829,333 | 2,628 |
| Average equity | $21,804,667 | 3,105 |
| Average total loans | $123,918,333 | 2,969 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3757% | 3,268 |
| Cost of funding earning assets | 0.1528% | 4,286 |
| Net interest margin | 3.2228% | 2,625 |
| Noninterest income to average assets | 1.0889% | 997 |
| Noninterest expense to average assets | 2.1201% | 3,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9427% | 615 |
| Return on assets (ROA) | 1.9427% | 662 |
| Pretax return on assets | 1.9427% | 1,042 |
| Return on Equity (ROE) | 23.7508% | 305 |
| Retained earnings to average equity (ytd only) | 23.7508% | 164 |
| Net charge-offs to loans | -1.2655% | 4,920 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1837% | 3,977 |
| Assets per employee ($millions) | 6.5663% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 1,261 |
| Loan loss allowance to noncurrent loans | 178.7402% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 2,115 |
| Noncurrent loans to loans | 0.9010% | 1,500 |
| Net loans and leases to total assets | 45.2572% | 4,022 |
| Net loans and leases to deposits | 49.2789% | 4,207 |
| Net loans and leases to core deposits | 49.7356% | 4,306 |
| Total domestic deposits to total assets | 91.8389% | 178 |
| Equity capital to assets | 7.9272% | 4,531 |
| Core capital (leverage) ratio | 8.3711% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9414% | 939 |
| Memoranda: | ||
| Average total assets | $263,759,000 | 2,637 |
| Average earning assets | $243,390,000 | 2,658 |
| Average equity | $21,574,000 | 3,113 |
| Average total loans | $125,168,000 | 2,962 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 2,837 |
| Cost of funding earning assets | 0.1966% | 4,592 |
| Net interest margin | 3.7685% | 1,590 |
| Noninterest income to average assets | 1.2958% | 683 |
| Noninterest expense to average assets | 2.6755% | 2,310 |
| Loan and lease loss provision to assets | 0.1963% | 1,989 |
| Net operating income to assets | 1.8864% | 328 |
| Return on assets (ROA) | 1.8882% | 351 |
| Pretax return on assets | 1.8882% | 567 |
| Return on Equity (ROE) | 21.8014% | 165 |
| Retained earnings to average equity (ytd only) | 12.2990% | 291 |
| Net charge-offs to loans | -0.0144% | 4,342 |
| Credit loss provision to net charge-offs | -2,444.4444% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2295% | 3,962 |
| Assets per employee ($millions) | 6.1399% | 2,221 |
| Cash dividends to net income (ytd only)* | 43.5861% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,258 |
| Loan loss allowance to noncurrent loans | 141.0103% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 2,125 |
| Noncurrent loans to loans | 0.9459% | 1,495 |
| Net loans and leases to total assets | 48.3979% | 3,947 |
| Net loans and leases to deposits | 53.0548% | 4,158 |
| Net loans and leases to core deposits | 53.6560% | 4,275 |
| Total domestic deposits to total assets | 91.2225% | 173 |
| Equity capital to assets | 8.4558% | 4,478 |
| Core capital (leverage) ratio | 8.0003% | 4,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,182,600 | 2,766 |
| Average earning assets | $205,970,800 | 2,778 |
| Average equity | $19,416,200 | 3,241 |
| Average total loans | $125,365,000 | 2,919 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 2,944 |
| Cost of funding earning assets | 0.1995% | 4,679 |
| Net interest margin | 3.8098% | 1,593 |
| Noninterest income to average assets | 1.2787% | 663 |
| Noninterest expense to average assets | 2.7078% | 2,235 |
| Loan and lease loss provision to assets | 0.2701% | 1,505 |
| Net operating income to assets | 1.8046% | 444 |
| Return on assets (ROA) | 1.8070% | 495 |
| Pretax return on assets | 1.8070% | 766 |
| Return on Equity (ROE) | 20.7220% | 213 |
| Retained earnings to average equity (ytd only) | 6.3327% | 1,956 |
| Net charge-offs to loans | -0.0180% | 4,383 |
| Credit loss provision to net charge-offs | -2,588.2353% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6205% | 3,841 |
| Assets per employee ($millions) | 5.6400% | 2,588 |
| Cash dividends to net income (ytd only)* | 69.4397% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 2,564 |
| Loan loss allowance to noncurrent loans | 135.9207% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 2,257 |
| Noncurrent loans to loans | 0.8964% | 1,668 |
| Net loans and leases to total assets | 51.4400% | 3,998 |
| Net loans and leases to deposits | 56.1480% | 4,250 |
| Net loans and leases to core deposits | 56.6535% | 4,356 |
| Total domestic deposits to total assets | 91.6151% | 92 |
| Equity capital to assets | 7.6275% | 4,829 |
| Core capital (leverage) ratio | 8.0051% | 4,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,294,750 | 2,800 |
| Average earning assets | $199,832,000 | 2,811 |
| Average equity | $18,948,750 | 3,286 |
| Average total loans | $125,836,000 | 2,917 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 2,101 |
| Cost of funding earning assets | 0.2090% | 4,742 |
| Net interest margin | 4.2294% | 859 |
| Noninterest income to average assets | 1.0116% | 963 |
| Noninterest expense to average assets | 2.7307% | 2,288 |
| Loan and lease loss provision to assets | 0.4330% | 900 |
| Net operating income to assets | 1.7319% | 584 |
| Return on assets (ROA) | 1.7358% | 626 |
| Pretax return on assets | 1.7358% | 919 |
| Return on Equity (ROE) | 18.8980% | 311 |
| Retained earnings to average equity (ytd only) | 6.4279% | 1,891 |
| Net charge-offs to loans | -0.0179% | 4,374 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7789% | 3,970 |
| Assets per employee ($millions) | 5.3537% | 2,773 |
| Cash dividends to net income (ytd only)* | 65.9864% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 2,481 |
| Loan loss allowance to noncurrent loans | 128.4038% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 1,992 |
| Noncurrent loans to loans | 0.9396% | 1,648 |
| Net loans and leases to total assets | 61.2151% | 3,194 |
| Net loans and leases to deposits | 67.6912% | 3,596 |
| Net loans and leases to core deposits | 68.3506% | 3,838 |
| Total domestic deposits to total assets | 90.4329% | 290 |
| Equity capital to assets | 8.7725% | 4,293 |
| Core capital (leverage) ratio | 8.8993% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,245,667 | 2,876 |
| Average earning assets | $186,646,667 | 2,901 |
| Average equity | $18,668,667 | 3,306 |
| Average total loans | $122,747,000 | 2,942 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2317% | 3,113 |
| Cost of funding earning assets | 0.2195% | 4,845 |
| Net interest margin | 4.0122% | 1,359 |
| Noninterest income to average assets | 0.9287% | 1,001 |
| Noninterest expense to average assets | 2.8680% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6954% | 518 |
| Return on assets (ROA) | 1.7036% | 563 |
| Pretax return on assets | 1.7036% | 850 |
| Return on Equity (ROE) | 18.0898% | 260 |
| Retained earnings to average equity (ytd only) | 6.5524% | 1,696 |
| Net charge-offs to loans | -0.0138% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8482% | 3,390 |
| Assets per employee ($millions) | 4.6611% | 3,051 |
| Cash dividends to net income (ytd only)* | 63.7786% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,690 |
| Loan loss allowance to noncurrent loans | 156.3565% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 2,649 |
| Noncurrent loans to loans | 0.6413% | 2,389 |
| Net loans and leases to total assets | 60.1636% | 3,478 |
| Net loans and leases to deposits | 67.0116% | 3,795 |
| Net loans and leases to core deposits | 67.6490% | 4,007 |
| Total domestic deposits to total assets | 89.7808% | 391 |
| Equity capital to assets | 9.5409% | 4,174 |
| Core capital (leverage) ratio | 9.2634% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,117,000 | 2,909 |
| Average earning assets | $176,759,500 | 2,946 |
| Average equity | $18,375,000 | 3,337 |
| Average total loans | $116,115,500 | 2,998 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2222% | 3,758 |
| Cost of funding earning assets | 0.2166% | 4,920 |
| Net interest margin | 4.0056% | 1,843 |
| Noninterest income to average assets | 1.2900% | 565 |
| Noninterest expense to average assets | 3.1048% | 1,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8998% | 427 |
| Return on assets (ROA) | 1.9034% | 444 |
| Pretax return on assets | 1.9034% | 739 |
| Return on Equity (ROE) | 20.6981% | 177 |
| Retained earnings to average equity (ytd only) | 1.1345% | 4,341 |
| Net charge-offs to loans | 0.0406% | 2,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 80.9333% | 783 |
| Efficiency ratio | 62.0388% | 3,376 |
| Assets per employee ($millions) | 4.9863% | 2,619 |
| Cash dividends to net income (ytd only)* | 94.5190% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,216 |
| Loan loss allowance to noncurrent loans | 153.2216% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 2,552 |
| Noncurrent loans to loans | 0.6852% | 2,174 |
| Net loans and leases to total assets | 57.6286% | 3,798 |
| Net loans and leases to deposits | 63.9866% | 4,074 |
| Net loans and leases to core deposits | 64.5944% | 4,255 |
| Total domestic deposits to total assets | 90.0636% | 306 |
| Equity capital to assets | 9.2931% | 4,493 |
| Core capital (leverage) ratio | 9.0400% | 4,499 |
| Tier 1 risk-based capital ratio | 14.6147% | 2,955 |
| Total risk-based capital ratio | 15.5863% | 3,008 |
| Memoranda: | ||
| Average total assets | $191,704,600 | 2,907 |
| Average earning assets | $177,775,000 | 2,907 |
| Average equity | $17,629,600 | 3,375 |
| Average total loans | $110,783,600 | 3,074 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 3,899 |
| Cost of funding earning assets | 0.2124% | 5,013 |
| Net interest margin | 3.9968% | 1,950 |
| Noninterest income to average assets | 1.2920% | 556 |
| Noninterest expense to average assets | 3.1082% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8874% | 506 |
| Return on assets (ROA) | 1.8902% | 525 |
| Pretax return on assets | 1.8902% | 888 |
| Return on Equity (ROE) | 20.6095% | 219 |
| Retained earnings to average equity (ytd only) | 1.1492% | 4,528 |
| Net charge-offs to loans | 0.0012% | 3,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2,710.7068% | 23 |
| Efficiency ratio | 62.2188% | 3,296 |
| Assets per employee ($millions) | 5.5478% | 1,988 |
| Cash dividends to net income (ytd only)* | 94.4239% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,082 |
| Loan loss allowance to noncurrent loans | 122.9312% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 2,480 |
| Noncurrent loans to loans | 0.8864% | 1,808 |
| Net loans and leases to total assets | 54.5231% | 4,132 |
| Net loans and leases to deposits | 60.3185% | 4,368 |
| Net loans and leases to core deposits | 60.8564% | 4,502 |
| Total domestic deposits to total assets | 90.3920% | 195 |
| Equity capital to assets | 8.7710% | 4,885 |
| Core capital (leverage) ratio | 9.1183% | 4,544 |
| Tier 1 risk-based capital ratio | 14.7628% | 2,971 |
| Total risk-based capital ratio | 15.7834% | 2,985 |
| Memoranda: | ||
| Average total assets | $191,014,250 | 2,941 |
| Average earning assets | $177,005,750 | 2,943 |
| Average equity | $17,519,000 | 3,412 |
| Average total loans | $110,165,250 | 3,121 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2334% | 3,835 |
| Cost of funding earning assets | 0.2039% | 5,064 |
| Net interest margin | 4.0296% | 1,835 |
| Noninterest income to average assets | 1.0415% | 799 |
| Noninterest expense to average assets | 2.9131% | 2,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8640% | 525 |
| Return on assets (ROA) | 1.8683% | 543 |
| Pretax return on assets | 1.8683% | 894 |
| Return on Equity (ROE) | 20.0492% | 256 |
| Retained earnings to average equity (ytd only) | 1.1638% | 4,389 |
| Net charge-offs to loans | 0.0110% | 2,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 289.3333% | 273 |
| Efficiency ratio | 60.9800% | 3,581 |
| Assets per employee ($millions) | 4.5099% | 3,129 |
| Cash dividends to net income (ytd only)* | 94.1954% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,120 |
| Loan loss allowance to noncurrent loans | 119.9219% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5792% | 2,276 |
| Noncurrent loans to loans | 0.9102% | 1,800 |
| Net loans and leases to total assets | 60.1819% | 3,717 |
| Net loans and leases to deposits | 67.1089% | 4,018 |
| Net loans and leases to core deposits | 67.5308% | 4,233 |
| Total domestic deposits to total assets | 89.6780% | 422 |
| Equity capital to assets | 9.6206% | 4,296 |
| Core capital (leverage) ratio | 9.6451% | 3,984 |
| Tier 1 risk-based capital ratio | 14.7994% | 2,916 |
| Total risk-based capital ratio | 15.8212% | 2,953 |
| Memoranda: | ||
| Average total assets | $186,263,330 | 2,985 |
| Average earning assets | $172,674,000 | 2,995 |
| Average equity | $17,357,330 | 3,427 |
| Average total loans | $109,170,000 | 3,152 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 4,049 |
| Cost of funding earning assets | 0.2281% | 5,047 |
| Net interest margin | 3.9046% | 2,172 |
| Noninterest income to average assets | 0.9650% | 890 |
| Noninterest expense to average assets | 2.8244% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7674% | 630 |
| Return on assets (ROA) | 1.7695% | 642 |
| Pretax return on assets | 1.7695% | 1,054 |
| Return on Equity (ROE) | 19.2982% | 305 |
| Retained earnings to average equity (ytd only) | 1.1668% | 4,279 |
| Net charge-offs to loans | 0.0484% | 1,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 63.5385% | 888 |
| Efficiency ratio | 61.5098% | 3,608 |
| Assets per employee ($millions) | 4.5679% | 3,091 |
| Cash dividends to net income (ytd only)* | 93.9541% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 2,989 |
| Loan loss allowance to noncurrent loans | 104.4482% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 2,149 |
| Noncurrent loans to loans | 1.0773% | 1,544 |
| Net loans and leases to total assets | 57.2866% | 3,961 |
| Net loans and leases to deposits | 63.5581% | 4,209 |
| Net loans and leases to core deposits | 63.9495% | 4,383 |
| Total domestic deposits to total assets | 90.1326% | 404 |
| Equity capital to assets | 9.2560% | 4,472 |
| Core capital (leverage) ratio | 9.5751% | 4,049 |
| Tier 1 risk-based capital ratio | 15.2935% | 2,753 |
| Total risk-based capital ratio | 16.3463% | 2,753 |
| Memoranda: | ||
| Average total assets | $186,942,000 | 3,016 |
| Average earning assets | $173,640,000 | 3,017 |
| Average equity | $17,141,500 | 3,467 |
| Average total loans | $107,501,000 | 3,206 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,935 |
| Cost of funding earning assets | 0.1619% | 5,144 |
| Net interest margin | 3.8716% | 2,422 |
| Noninterest income to average assets | 1.2785% | 572 |
| Noninterest expense to average assets | 3.0138% | 2,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8513% | 500 |
| Return on assets (ROA) | 1.8477% | 501 |
| Pretax return on assets | 1.8477% | 815 |
| Return on Equity (ROE) | 21.2706% | 186 |
| Retained earnings to average equity (ytd only) | 3.9111% | 3,429 |
| Net charge-offs to loans | -0.0111% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9467% | 3,533 |
| Assets per employee ($millions) | 4.7846% | 2,762 |
| Cash dividends to net income (ytd only)* | 81.6124% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 2,776 |
| Loan loss allowance to noncurrent loans | 221.1470% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 3,257 |
| Noncurrent loans to loans | 0.5240% | 2,702 |
| Net loans and leases to total assets | 56.4086% | 4,101 |
| Net loans and leases to deposits | 62.5243% | 4,344 |
| Net loans and leases to core deposits | 62.9092% | 4,497 |
| Total domestic deposits to total assets | 90.2187% | 409 |
| Equity capital to assets | 9.0825% | 4,505 |
| Core capital (leverage) ratio | 9.2416% | 4,409 |
| Tier 1 risk-based capital ratio | 15.2250% | 2,729 |
| Total risk-based capital ratio | 16.2873% | 2,745 |
| Memoranda: | ||
| Average total assets | $191,322,800 | 2,947 |
| Average earning assets | $177,239,600 | 2,954 |
| Average equity | $16,619,200 | 3,446 |
| Average total loans | $108,270,600 | 3,164 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 4,051 |
| Cost of funding earning assets | 0.1579% | 5,195 |
| Net interest margin | 3.8008% | 2,643 |
| Noninterest income to average assets | 1.2772% | 593 |
| Noninterest expense to average assets | 2.9768% | 2,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8188% | 583 |
| Return on assets (ROA) | 1.8139% | 590 |
| Pretax return on assets | 1.8139% | 982 |
| Return on Equity (ROE) | 21.1157% | 204 |
| Retained earnings to average equity (ytd only) | 5.0391% | 3,218 |
| Net charge-offs to loans | -0.0159% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0739% | 3,501 |
| Assets per employee ($millions) | 5.4193% | 2,000 |
| Cash dividends to net income (ytd only)* | 76.1360% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 2,835 |
| Loan loss allowance to noncurrent loans | 217.0475% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 3,467 |
| Noncurrent loans to loans | 0.5356% | 2,778 |
| Net loans and leases to total assets | 52.3667% | 4,467 |
| Net loans and leases to deposits | 57.5394% | 4,669 |
| Net loans and leases to core deposits | 57.9568% | 4,789 |
| Total domestic deposits to total assets | 91.0101% | 219 |
| Equity capital to assets | 8.2872% | 5,041 |
| Core capital (leverage) ratio | 9.1258% | 4,594 |
| Tier 1 risk-based capital ratio | 15.5497% | 2,627 |
| Total risk-based capital ratio | 16.6372% | 2,628 |
| Memoranda: | ||
| Average total assets | $192,503,250 | 2,964 |
| Average earning assets | $178,201,750 | 2,966 |
| Average equity | $16,537,000 | 3,481 |
| Average total loans | $108,715,000 | 3,180 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 3,994 |
| Cost of funding earning assets | 0.1390% | 5,286 |
| Net interest margin | 3.7913% | 2,589 |
| Noninterest income to average assets | 1.0430% | 889 |
| Noninterest expense to average assets | 2.8225% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7268% | 687 |
| Return on assets (ROA) | 1.7194% | 701 |
| Pretax return on assets | 1.7194% | 1,169 |
| Return on Equity (ROE) | 19.7694% | 281 |
| Retained earnings to average equity (ytd only) | 7.2682% | 1,945 |
| Net charge-offs to loans | -0.0146% | 4,450 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0426% | 3,617 |
| Assets per employee ($millions) | 4.9921% | 2,428 |
| Cash dividends to net income (ytd only)* | 63.2353% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,113 |
| Loan loss allowance to noncurrent loans | 169.8895% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 3,106 |
| Noncurrent loans to loans | 0.6633% | 2,453 |
| Net loans and leases to total assets | 56.8879% | 4,091 |
| Net loans and leases to deposits | 62.7049% | 4,376 |
| Net loans and leases to core deposits | 63.1866% | 4,539 |
| Total domestic deposits to total assets | 90.7233% | 320 |
| Equity capital to assets | 8.7938% | 4,728 |
| Core capital (leverage) ratio | 9.7568% | 3,835 |
| Tier 1 risk-based capital ratio | 15.3774% | 2,697 |
| Total risk-based capital ratio | 16.4500% | 2,703 |
| Memoranda: | ||
| Average total assets | $189,833,330 | 3,006 |
| Average earning assets | $175,559,330 | 3,003 |
| Average equity | $16,510,330 | 3,500 |
| Average total loans | $109,541,000 | 3,178 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 3,935 |
| Cost of funding earning assets | 0.1319% | 5,350 |
| Net interest margin | 3.7643% | 2,567 |
| Noninterest income to average assets | 0.9774% | 962 |
| Noninterest expense to average assets | 2.7446% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7188% | 663 |
| Return on assets (ROA) | 1.7041% | 694 |
| Pretax return on assets | 1.7041% | 1,104 |
| Return on Equity (ROE) | 19.7023% | 264 |
| Retained earnings to average equity (ytd only) | 7.3305% | 2,131 |
| Net charge-offs to loans | -0.0182% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4913% | 3,875 |
| Assets per employee ($millions) | 4.5935% | 3,009 |
| Cash dividends to net income (ytd only)* | 62.7936% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 3,275 |
| Loan loss allowance to noncurrent loans | 163.8184% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 3,095 |
| Noncurrent loans to loans | 0.6827% | 2,502 |
| Net loans and leases to total assets | 59.0419% | 3,847 |
| Net loans and leases to deposits | 65.1671% | 4,142 |
| Net loans and leases to core deposits | 65.8562% | 4,317 |
| Total domestic deposits to total assets | 90.6008% | 442 |
| Equity capital to assets | 8.9442% | 4,618 |
| Core capital (leverage) ratio | 9.1655% | 4,483 |
| Tier 1 risk-based capital ratio | 14.9847% | 2,872 |
| Total risk-based capital ratio | 16.0453% | 2,904 |
| Memoranda: | ||
| Average total assets | $189,899,500 | 3,035 |
| Average earning assets | $175,862,500 | 3,033 |
| Average equity | $16,424,500 | 3,541 |
| Average total loans | $109,738,000 | 3,195 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 4,030 |
| Cost of funding earning assets | 0.1478% | 5,270 |
| Net interest margin | 3.6598% | 2,951 |
| Noninterest income to average assets | 1.2750% | 653 |
| Noninterest expense to average assets | 2.9849% | 2,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.6757% | 556 |
| Return on assets (ROA) | 1.6762% | 570 |
| Pretax return on assets | 1.6762% | 1,073 |
| Return on Equity (ROE) | 19.7904% | 204 |
| Retained earnings to average equity (ytd only) | 7.4431% | 940 |
| Net charge-offs to loans | -0.0091% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0456% | 3,597 |
| Assets per employee ($millions) | 4.7820% | 2,754 |
| Cash dividends to net income (ytd only)* | 62.3902% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,274 |
| Loan loss allowance to noncurrent loans | 141.5991% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 3,005 |
| Noncurrent loans to loans | 0.7862% | 2,255 |
| Net loans and leases to total assets | 55.3626% | 4,243 |
| Net loans and leases to deposits | 60.7678% | 4,517 |
| Net loans and leases to core deposits | 61.3642% | 4,689 |
| Total domestic deposits to total assets | 91.1053% | 219 |
| Equity capital to assets | 8.3724% | 5,214 |
| Core capital (leverage) ratio | 8.5915% | 5,051 |
| Tier 1 risk-based capital ratio | 14.5943% | 3,046 |
| Total risk-based capital ratio | 15.6412% | 3,054 |
| Memoranda: | ||
| Average total assets | $190,191,800 | 3,018 |
| Average earning assets | $175,936,400 | 3,002 |
| Average equity | $16,108,800 | 3,577 |
| Average total loans | $109,834,000 | 3,185 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7186% | 4,271 |
| Cost of funding earning assets | 0.1498% | 5,312 |
| Net interest margin | 3.5689% | 3,262 |
| Noninterest income to average assets | 1.2356% | 685 |
| Noninterest expense to average assets | 2.9990% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5359% | 826 |
| Return on assets (ROA) | 1.5366% | 852 |
| Pretax return on assets | 1.5366% | 1,641 |
| Return on Equity (ROE) | 18.0881% | 326 |
| Retained earnings to average equity (ytd only) | 7.4764% | 1,441 |
| Net charge-offs to loans | -0.0073% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1318% | 3,187 |
| Assets per employee ($millions) | 5.2550% | 2,167 |
| Cash dividends to net income (ytd only)* | 58.6666% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 3,390 |
| Loan loss allowance to noncurrent loans | 66.7397% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.0705% | 1,564 |
| Noncurrent loans to loans | 1.6757% | 1,087 |
| Net loans and leases to total assets | 52.5480% | 4,534 |
| Net loans and leases to deposits | 57.5950% | 4,784 |
| Net loans and leases to core deposits | 58.2375% | 4,906 |
| Total domestic deposits to total assets | 91.2371% | 137 |
| Equity capital to assets | 8.0973% | 5,485 |
| Core capital (leverage) ratio | 8.7159% | 5,042 |
| Tier 1 risk-based capital ratio | 14.3367% | 3,271 |
| Total risk-based capital ratio | 15.3802% | 3,292 |
| Memoranda: | ||
| Average total assets | $188,724,750 | 3,056 |
| Average earning assets | $174,467,750 | 3,046 |
| Average equity | $16,032,250 | 3,624 |
| Average total loans | $109,851,000 | 3,209 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 3,988 |
| Cost of funding earning assets | 0.1452% | 5,366 |
| Net interest margin | 3.6277% | 2,926 |
| Noninterest income to average assets | 1.0135% | 991 |
| Noninterest expense to average assets | 2.8737% | 2,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4925% | 881 |
| Return on assets (ROA) | 1.4936% | 899 |
| Pretax return on assets | 1.4936% | 1,666 |
| Return on Equity (ROE) | 17.2803% | 385 |
| Retained earnings to average equity (ytd only) | 7.5609% | 1,328 |
| Net charge-offs to loans | 0.0018% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,368.0000% | 43 |
| Efficiency ratio | 65.8171% | 3,380 |
| Assets per employee ($millions) | 4.6059% | 2,934 |
| Cash dividends to net income (ytd only)* | 56.2454% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,647 |
| Loan loss allowance to noncurrent loans | 58.2492% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.1869% | 1,435 |
| Noncurrent loans to loans | 1.8697% | 939 |
| Net loans and leases to total assets | 61.2268% | 3,718 |
| Net loans and leases to deposits | 67.8246% | 4,088 |
| Net loans and leases to core deposits | 68.9173% | 4,305 |
| Total domestic deposits to total assets | 90.2723% | 434 |
| Equity capital to assets | 9.1147% | 4,786 |
| Core capital (leverage) ratio | 9.2564% | 4,423 |
| Tier 1 risk-based capital ratio | 14.1217% | 3,360 |
| Total risk-based capital ratio | 15.1623% | 3,393 |
| Memoranda: | ||
| Average total assets | $183,318,330 | 3,117 |
| Average earning assets | $169,418,330 | 3,118 |
| Average equity | $15,844,670 | 3,656 |
| Average total loans | $110,164,000 | 3,218 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 4,058 |
| Cost of funding earning assets | 0.1470% | 5,396 |
| Net interest margin | 3.5712% | 2,999 |
| Noninterest income to average assets | 0.9181% | 1,190 |
| Noninterest expense to average assets | 2.8472% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3761% | 1,042 |
| Return on assets (ROA) | 1.3761% | 1,078 |
| Pretax return on assets | 1.3761% | 1,964 |
| Return on Equity (ROE) | 16.3538% | 485 |
| Retained earnings to average equity (ytd only) | 7.7019% | 1,576 |
| Net charge-offs to loans | 0.0255% | 2,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 585 |
| Efficiency ratio | 67.4169% | 3,286 |
| Assets per employee ($millions) | 4.7023% | 2,842 |
| Cash dividends to net income (ytd only)* | 52.9042% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 3,788 |
| Loan loss allowance to noncurrent loans | 71.5558% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 1,940 |
| Noncurrent loans to loans | 1.5179% | 1,310 |
| Net loans and leases to total assets | 59.8394% | 3,802 |
| Net loans and leases to deposits | 65.7709% | 4,195 |
| Net loans and leases to core deposits | 66.9420% | 4,365 |
| Total domestic deposits to total assets | 90.9816% | 306 |
| Equity capital to assets | 8.6487% | 5,111 |
| Core capital (leverage) ratio | 8.6997% | 5,047 |
| Tier 1 risk-based capital ratio | 13.6906% | 3,665 |
| Total risk-based capital ratio | 14.7130% | 3,713 |
| Memoranda: | ||
| Average total assets | $185,161,500 | 3,136 |
| Average earning assets | $171,372,000 | 3,115 |
| Average equity | $15,580,500 | 3,713 |
| Average total loans | $109,649,000 | 3,252 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6516% | 4,363 |
| Cost of funding earning assets | 0.1542% | 5,396 |
| Net interest margin | 3.4974% | 3,440 |
| Noninterest income to average assets | 1.2139% | 772 |
| Noninterest expense to average assets | 3.0153% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4253% | 957 |
| Return on assets (ROA) | 1.4341% | 969 |
| Pretax return on assets | 1.4341% | 1,805 |
| Return on Equity (ROE) | 17.2452% | 381 |
| Retained earnings to average equity (ytd only) | 7.8656% | 895 |
| Net charge-offs to loans | -0.0095% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9023% | 3,254 |
| Assets per employee ($millions) | 4.9193% | 2,488 |
| Cash dividends to net income (ytd only)* | 54.3900% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 3,611 |
| Loan loss allowance to noncurrent loans | 68.7855% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.0416% | 1,816 |
| Noncurrent loans to loans | 1.6262% | 1,202 |
| Net loans and leases to total assets | 57.3155% | 4,138 |
| Net loans and leases to deposits | 62.6919% | 4,490 |
| Net loans and leases to core deposits | 63.8771% | 4,640 |
| Total domestic deposits to total assets | 91.4242% | 177 |
| Equity capital to assets | 8.1848% | 5,477 |
| Core capital (leverage) ratio | 8.1918% | 5,510 |
| Tier 1 risk-based capital ratio | 13.6439% | 3,679 |
| Total risk-based capital ratio | 14.6882% | 3,707 |
| Memoranda: | ||
| Average total assets | $183,465,400 | 3,130 |
| Average earning assets | $169,266,800 | 3,123 |
| Average equity | $15,256,400 | 3,783 |
| Average total loans | $105,285,000 | 3,286 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6401% | 4,434 |
| Cost of funding earning assets | 0.1520% | 5,473 |
| Net interest margin | 3.4881% | 3,514 |
| Noninterest income to average assets | 1.2515% | 739 |
| Noninterest expense to average assets | 3.0105% | 2,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4582% | 957 |
| Return on assets (ROA) | 1.4699% | 978 |
| Pretax return on assets | 1.4699% | 1,809 |
| Return on Equity (ROE) | 17.6047% | 386 |
| Retained earnings to average equity (ytd only) | 8.3170% | 1,040 |
| Net charge-offs to loans | -0.0064% | 4,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3693% | 3,345 |
| Assets per employee ($millions) | 5.5792% | 1,771 |
| Cash dividends to net income (ytd only)* | 52.7570% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 3,654 |
| Loan loss allowance to noncurrent loans | 132.0569% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 3,216 |
| Noncurrent loans to loans | 0.8584% | 2,538 |
| Net loans and leases to total assets | 50.9923% | 4,732 |
| Net loans and leases to deposits | 55.4704% | 5,024 |
| Net loans and leases to core deposits | 56.4334% | 5,125 |
| Total domestic deposits to total assets | 91.9271% | 78 |
| Equity capital to assets | 7.6810% | 5,813 |
| Core capital (leverage) ratio | 8.1568% | 5,603 |
| Tier 1 risk-based capital ratio | 13.4983% | 3,861 |
| Total risk-based capital ratio | 14.5437% | 3,893 |
| Memoranda: | ||
| Average total assets | $182,598,750 | 3,148 |
| Average earning assets | $168,414,250 | 3,149 |
| Average equity | $15,245,500 | 3,809 |
| Average total loans | $104,518,000 | 3,318 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,100 |
| Cost of funding earning assets | 0.1558% | 5,509 |
| Net interest margin | 3.6033% | 3,089 |
| Noninterest income to average assets | 1.0489% | 1,015 |
| Noninterest expense to average assets | 2.9452% | 2,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4142% | 1,042 |
| Return on assets (ROA) | 1.4337% | 1,048 |
| Pretax return on assets | 1.4337% | 1,891 |
| Return on Equity (ROE) | 16.6467% | 464 |
| Retained earnings to average equity (ytd only) | 6.6481% | 1,781 |
| Net charge-offs to loans | -0.0077% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5598% | 3,437 |
| Assets per employee ($millions) | 4.4692% | 3,088 |
| Cash dividends to net income (ytd only)* | 60.0639% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 3,748 |
| Loan loss allowance to noncurrent loans | 126.9190% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6896% | 2,916 |
| Noncurrent loans to loans | 0.8943% | 2,492 |
| Net loans and leases to total assets | 60.3180% | 3,842 |
| Net loans and leases to deposits | 66.4805% | 4,308 |
| Net loans and leases to core deposits | 67.8439% | 4,488 |
| Total domestic deposits to total assets | 90.7302% | 252 |
| Equity capital to assets | 8.8515% | 5,360 |
| Core capital (leverage) ratio | 8.8795% | 4,962 |
| Tier 1 risk-based capital ratio | 13.5864% | 3,846 |
| Total risk-based capital ratio | 14.6699% | 3,863 |
| Memoranda: | ||
| Average total assets | $174,654,670 | 3,257 |
| Average earning assets | $160,465,000 | 3,263 |
| Average equity | $15,042,000 | 3,851 |
| Average total loans | $103,867,000 | 3,343 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7411% | 4,163 |
| Cost of funding earning assets | 0.1569% | 5,560 |
| Net interest margin | 3.5842% | 3,147 |
| Noninterest income to average assets | 0.9403% | 1,208 |
| Noninterest expense to average assets | 2.9354% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2972% | 1,263 |
| Return on assets (ROA) | 1.3041% | 1,326 |
| Pretax return on assets | 1.3041% | 2,284 |
| Return on Equity (ROE) | 15.3546% | 619 |
| Retained earnings to average equity (ytd only) | 6.7345% | 2,015 |
| Net charge-offs to loans | -0.0351% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3514% | 3,239 |
| Assets per employee ($millions) | 4.6958% | 2,751 |
| Cash dividends to net income (ytd only)* | 56.1404% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 3,662 |
| Loan loss allowance to noncurrent loans | 65.7795% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.2317% | 1,768 |
| Noncurrent loans to loans | 1.7785% | 1,245 |
| Net loans and leases to total assets | 58.8818% | 3,939 |
| Net loans and leases to deposits | 64.9894% | 4,345 |
| Net loans and leases to core deposits | 66.2194% | 4,522 |
| Total domestic deposits to total assets | 90.6022% | 398 |
| Equity capital to assets | 8.6904% | 5,428 |
| Core capital (leverage) ratio | 8.5581% | 5,338 |
| Tier 1 risk-based capital ratio | 13.3067% | 4,091 |
| Total risk-based capital ratio | 14.3893% | 4,093 |
| Memoranda: | ||
| Average total assets | $174,833,000 | 3,268 |
| Average earning assets | $160,592,500 | 3,274 |
| Average equity | $14,849,000 | 3,885 |
| Average total loans | $102,630,500 | 3,378 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7299% | 4,276 |
| Cost of funding earning assets | 0.1966% | 5,313 |
| Net interest margin | 3.5333% | 3,405 |
| Noninterest income to average assets | 1.2236% | 798 |
| Noninterest expense to average assets | 3.1778% | 2,015 |
| Loan and lease loss provision to assets | -0.1821% | 5,970 |
| Net operating income to assets | 1.4466% | 949 |
| Return on assets (ROA) | 1.4472% | 983 |
| Pretax return on assets | 1.4472% | 1,733 |
| Return on Equity (ROE) | 17.5098% | 412 |
| Retained earnings to average equity (ytd only) | 7.0833% | 1,245 |
| Net charge-offs to loans | 0.0448% | 3,318 |
| Credit loss provision to net charge-offs | -691.1111% | 5,505 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 1,033 |
| Efficiency ratio | 71.5340% | 2,972 |
| Assets per employee ($millions) | 4.7547% | 2,664 |
| Cash dividends to net income (ytd only)* | 59.5469% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 3,583 |
| Loan loss allowance to noncurrent loans | 55.8291% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.3938% | 1,501 |
| Noncurrent loans to loans | 2.1160% | 967 |
| Net loans and leases to total assets | 57.1528% | 4,177 |
| Net loans and leases to deposits | 62.4643% | 4,597 |
| Net loans and leases to core deposits | 63.6188% | 4,759 |
| Total domestic deposits to total assets | 91.4968% | 177 |
| Equity capital to assets | 8.2985% | 5,706 |
| Core capital (leverage) ratio | 8.1784% | 5,713 |
| Tier 1 risk-based capital ratio | 13.2424% | 4,142 |
| Total risk-based capital ratio | 14.3301% | 4,172 |
| Memoranda: | ||
| Average total assets | $170,811,800 | 3,291 |
| Average earning assets | $155,606,600 | 3,323 |
| Average equity | $14,117,800 | 3,950 |
| Average total loans | $100,468,400 | 3,376 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 4,319 |
| Cost of funding earning assets | 0.2067% | 5,321 |
| Net interest margin | 3.5268% | 3,441 |
| Noninterest income to average assets | 1.2426% | 783 |
| Noninterest expense to average assets | 3.1293% | 2,144 |
| Loan and lease loss provision to assets | -0.2847% | 6,144 |
| Net operating income to assets | 1.6051% | 762 |
| Return on assets (ROA) | 1.6059% | 789 |
| Pretax return on assets | 1.6059% | 1,363 |
| Return on Equity (ROE) | 19.4506% | 306 |
| Retained earnings to average equity (ytd only) | 5.7247% | 2,421 |
| Net charge-offs to loans | 0.0519% | 2,864 |
| Credit loss provision to net charge-offs | -928.2051% | 5,486 |
| Earnings coverage of net charge-offs (x) | 43.0502% | 1,165 |
| Efficiency ratio | 70.3252% | 3,161 |
| Assets per employee ($millions) | 4.8271% | 2,521 |
| Cash dividends to net income (ytd only)* | 70.5682% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 3,948 |
| Loan loss allowance to noncurrent loans | 67.6608% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.0741% | 2,214 |
| Noncurrent loans to loans | 1.6943% | 1,429 |
| Net loans and leases to total assets | 52.9962% | 4,665 |
| Net loans and leases to deposits | 57.6490% | 5,017 |
| Net loans and leases to core deposits | 58.6377% | 5,150 |
| Total domestic deposits to total assets | 91.9290% | 106 |
| Equity capital to assets | 7.6471% | 6,048 |
| Core capital (leverage) ratio | 8.1878% | 5,784 |
| Tier 1 risk-based capital ratio | 13.1382% | 4,355 |
| Total risk-based capital ratio | 14.2060% | 4,377 |
| Memoranda: | ||
| Average total assets | $169,534,000 | 3,339 |
| Average earning assets | $154,166,250 | 3,369 |
| Average equity | $13,997,500 | 4,020 |
| Average total loans | $100,148,750 | 3,418 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 3,838 |
| Cost of funding earning assets | 0.2205% | 5,249 |
| Net interest margin | 3.6369% | 2,953 |
| Noninterest income to average assets | 1.0227% | 1,136 |
| Noninterest expense to average assets | 3.0118% | 2,517 |
| Loan and lease loss provision to assets | -0.4372% | 6,264 |
| Net operating income to assets | 1.7416% | 578 |
| Return on assets (ROA) | 1.7429% | 607 |
| Pretax return on assets | 1.7429% | 994 |
| Return on Equity (ROE) | 20.5270% | 246 |
| Retained earnings to average equity (ytd only) | 4.2554% | 3,316 |
| Net charge-offs to loans | 0.1001% | 2,011 |
| Credit loss provision to net charge-offs | -714.0000% | 5,291 |
| Earnings coverage of net charge-offs (x) | 21.3000% | 1,677 |
| Efficiency ratio | 69.7787% | 3,365 |
| Assets per employee ($millions) | 4.2973% | 3,310 |
| Cash dividends to net income (ytd only)* | 79.2691% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 4,210 |
| Loan loss allowance to noncurrent loans | 40.1465% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 1.9249% | 1,166 |
| Noncurrent loans to loans | 2.7985% | 745 |
| Net loans and leases to total assets | 60.4429% | 3,764 |
| Net loans and leases to deposits | 66.2850% | 4,312 |
| Net loans and leases to core deposits | 67.5590% | 4,526 |
| Total domestic deposits to total assets | 91.1864% | 256 |
| Equity capital to assets | 8.3273% | 5,812 |
| Core capital (leverage) ratio | 8.6722% | 5,351 |
| Tier 1 risk-based capital ratio | 12.8546% | 4,596 |
| Total risk-based capital ratio | 13.9168% | 4,630 |
| Memoranda: | ||
| Average total assets | $163,293,670 | 3,446 |
| Average earning assets | $147,874,330 | 3,490 |
| Average equity | $13,864,670 | 4,070 |
| Average total loans | $99,890,000 | 3,444 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 3,867 |
| Cost of funding earning assets | 0.2178% | 5,339 |
| Net interest margin | 3.6190% | 2,934 |
| Noninterest income to average assets | 0.9532% | 1,225 |
| Noninterest expense to average assets | 3.0854% | 2,317 |
| Loan and lease loss provision to assets | -0.8986% | 6,378 |
| Net operating income to assets | 2.0652% | 300 |
| Return on assets (ROA) | 2.0652% | 318 |
| Pretax return on assets | 2.0652% | 521 |
| Return on Equity (ROE) | 24.0828% | 125 |
| Retained earnings to average equity (ytd only) | 4.3418% | 3,407 |
| Net charge-offs to loans | 0.0162% | 2,845 |
| Credit loss provision to net charge-offs | -9,050.0000% | 5,314 |
| Earnings coverage of net charge-offs (x) | 117.5000% | 427 |
| Efficiency ratio | 72.5628% | 3,073 |
| Assets per employee ($millions) | 4.4223% | 3,169 |
| Cash dividends to net income (ytd only)* | 81.9712% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 4,009 |
| Loan loss allowance to noncurrent loans | 49.2359% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 1.7228% | 1,449 |
| Noncurrent loans to loans | 2.4285% | 1,005 |
| Net loans and leases to total assets | 60.1974% | 3,625 |
| Net loans and leases to deposits | 66.2978% | 4,121 |
| Net loans and leases to core deposits | 67.6219% | 4,372 |
| Total domestic deposits to total assets | 90.7985% | 441 |
| Equity capital to assets | 8.5354% | 5,717 |
| Core capital (leverage) ratio | 8.5841% | 5,440 |
| Tier 1 risk-based capital ratio | 12.8163% | 4,717 |
| Total risk-based capital ratio | 13.9246% | 4,717 |
| Memoranda: | ||
| Average total assets | $161,144,000 | 3,493 |
| Average earning assets | $146,890,500 | 3,523 |
| Average equity | $13,819,000 | 4,099 |
| Average total loans | $98,610,500 | 3,480 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 3,852 |
| Cost of funding earning assets | 0.2468% | 5,360 |
| Net interest margin | 3.7185% | 2,937 |
| Noninterest income to average assets | 1.0521% | 1,101 |
| Noninterest expense to average assets | 3.2399% | 2,099 |
| Loan and lease loss provision to assets | -0.0389% | 5,997 |
| Net operating income to assets | 1.2065% | 1,566 |
| Return on assets (ROA) | 1.2205% | 1,575 |
| Pretax return on assets | 1.2205% | 2,565 |
| Return on Equity (ROE) | 14.1763% | 907 |
| Retained earnings to average equity (ytd only) | 1.4895% | 5,098 |
| Net charge-offs to loans | -0.0104% | 5,570 |
| Credit loss provision to net charge-offs | 610.0000% | 434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5090% | 2,924 |
| Assets per employee ($millions) | 4.2882% | 3,379 |
| Cash dividends to net income (ytd only)* | 89.4929% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 2,100 |
| Loan loss allowance to noncurrent loans | 74.4031% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.5498% | 1,746 |
| Noncurrent loans to loans | 2.1470% | 1,259 |
| Net loans and leases to total assets | 60.4886% | 3,722 |
| Net loans and leases to deposits | 66.5015% | 4,270 |
| Net loans and leases to core deposits | 67.8681% | 4,520 |
| Total domestic deposits to total assets | 90.9582% | 383 |
| Equity capital to assets | 8.6170% | 5,634 |
| Core capital (leverage) ratio | 8.3946% | 5,667 |
| Tier 1 risk-based capital ratio | 13.3283% | 4,527 |
| Total risk-based capital ratio | 14.5404% | 4,469 |
| Memoranda: | ||
| Average total assets | $156,734,000 | 3,540 |
| Average earning assets | $141,428,000 | 3,580 |
| Average equity | $13,494,400 | 4,104 |
| Average total loans | $95,897,600 | 3,504 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 3,940 |
| Cost of funding earning assets | 0.2501% | 5,413 |
| Net interest margin | 3.7075% | 2,996 |
| Noninterest income to average assets | 1.0487% | 1,119 |
| Noninterest expense to average assets | 3.3228% | 1,856 |
| Loan and lease loss provision to assets | -0.1374% | 6,336 |
| Net operating income to assets | 1.2032% | 1,670 |
| Return on assets (ROA) | 1.2219% | 1,660 |
| Pretax return on assets | 1.2219% | 2,694 |
| Return on Equity (ROE) | 14.1955% | 950 |
| Retained earnings to average equity (ytd only) | 0.9913% | 5,487 |
| Net charge-offs to loans | -0.0209% | 5,625 |
| Credit loss provision to net charge-offs | 1,073.3333% | 311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7146% | 2,538 |
| Assets per employee ($millions) | 4.6033% | 2,808 |
| Cash dividends to net income (ytd only)* | 93.0168% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5242% | 2,599 |
| Loan loss allowance to noncurrent loans | 63.3059% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.5107% | 2,038 |
| Noncurrent loans to loans | 2.4077% | 1,235 |
| Net loans and leases to total assets | 55.4940% | 4,396 |
| Net loans and leases to deposits | 60.6821% | 4,877 |
| Net loans and leases to core deposits | 61.9480% | 5,035 |
| Total domestic deposits to total assets | 91.4504% | 244 |
| Equity capital to assets | 7.9631% | 6,151 |
| Core capital (leverage) ratio | 8.5478% | 5,600 |
| Tier 1 risk-based capital ratio | 12.9951% | 4,868 |
| Total risk-based capital ratio | 14.2461% | 4,793 |
| Memoranda: | ||
| Average total assets | $156,251,750 | 3,575 |
| Average earning assets | $140,754,500 | 3,619 |
| Average equity | $13,450,000 | 4,141 |
| Average total loans | $95,489,250 | 3,547 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0572% | 3,518 |
| Cost of funding earning assets | 0.2639% | 5,345 |
| Net interest margin | 3.7933% | 2,595 |
| Noninterest income to average assets | 0.7271% | 2,157 |
| Noninterest expense to average assets | 3.2106% | 2,155 |
| Loan and lease loss provision to assets | -0.1755% | 6,446 |
| Net operating income to assets | 1.0873% | 1,981 |
| Return on assets (ROA) | 1.1164% | 1,947 |
| Pretax return on assets | 1.1164% | 3,029 |
| Return on Equity (ROE) | 12.6153% | 1,277 |
| Retained earnings to average equity (ytd only) | 0.0149% | 5,674 |
| Net charge-offs to loans | -0.0189% | 5,525 |
| Credit loss provision to net charge-offs | 1,477.7778% | 248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8809% | 2,308 |
| Assets per employee ($millions) | 4.0965% | 3,655 |
| Cash dividends to net income (ytd only)* | 99.8818% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 2,830 |
| Loan loss allowance to noncurrent loans | 77.4244% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.6457% | 1,981 |
| Noncurrent loans to loans | 1.9571% | 1,728 |
| Net loans and leases to total assets | 65.4450% | 2,843 |
| Net loans and leases to deposits | 72.5578% | 3,496 |
| Net loans and leases to core deposits | 74.3533% | 3,798 |
| Total domestic deposits to total assets | 90.1970% | 711 |
| Equity capital to assets | 9.1236% | 5,179 |
| Core capital (leverage) ratio | 8.9125% | 5,145 |
| Tier 1 risk-based capital ratio | 12.8077% | 5,028 |
| Total risk-based capital ratio | 14.0594% | 4,972 |
| Memoranda: | ||
| Average total assets | $151,561,330 | 3,656 |
| Average earning assets | $135,660,670 | 3,715 |
| Average equity | $13,412,330 | 4,152 |
| Average total loans | $95,325,000 | 3,561 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 4,158 |
| Cost of funding earning assets | 0.2617% | 5,469 |
| Net interest margin | 3.6199% | 3,172 |
| Noninterest income to average assets | 0.5364% | 3,138 |
| Noninterest expense to average assets | 3.1718% | 2,318 |
| Loan and lease loss provision to assets | -0.2318% | 6,586 |
| Net operating income to assets | 0.8385% | 2,956 |
| Return on assets (ROA) | 0.8411% | 3,019 |
| Pretax return on assets | 0.8411% | 3,935 |
| Return on Equity (ROE) | 9.6483% | 2,180 |
| Retained earnings to average equity (ytd only) | 0.0299% | 5,538 |
| Net charge-offs to loans | -0.0553% | 5,846 |
| Credit loss provision to net charge-offs | 684.6154% | 412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9421% | 1,678 |
| Assets per employee ($millions) | 4.3491% | 3,252 |
| Cash dividends to net income (ytd only)* | 99.6904% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 2,600 |
| Loan loss allowance to noncurrent loans | 105.4333% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.4019% | 2,536 |
| Noncurrent loans to loans | 1.5397% | 2,500 |
| Net loans and leases to total assets | 61.0313% | 3,392 |
| Net loans and leases to deposits | 67.2920% | 3,937 |
| Net loans and leases to core deposits | 68.8944% | 4,223 |
| Total domestic deposits to total assets | 90.6962% | 688 |
| Equity capital to assets | 8.8091% | 5,326 |
| Core capital (leverage) ratio | 8.6394% | 5,476 |
| Tier 1 risk-based capital ratio | 12.9399% | 5,037 |
| Total risk-based capital ratio | 14.1920% | 4,975 |
| Memoranda: | ||
| Average total assets | $153,604,500 | 3,655 |
| Average earning assets | $137,574,000 | 3,705 |
| Average equity | $13,391,000 | 4,170 |
| Average total loans | $93,987,500 | 3,608 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1671% | 3,469 |
| Cost of funding earning assets | 0.2903% | 5,672 |
| Net interest margin | 3.8767% | 2,384 |
| Noninterest income to average assets | 1.2078% | 965 |
| Noninterest expense to average assets | 3.3510% | 1,998 |
| Loan and lease loss provision to assets | 0.1345% | 2,628 |
| Net operating income to assets | 1.2524% | 1,384 |
| Return on assets (ROA) | 1.2524% | 1,441 |
| Pretax return on assets | 1.2524% | 2,352 |
| Return on Equity (ROE) | 14.5594% | 840 |
| Retained earnings to average equity (ytd only) | 3.8362% | 3,475 |
| Net charge-offs to loans | 0.4641% | 1,432 |
| Credit loss provision to net charge-offs | 46.3801% | 3,907 |
| Earnings coverage of net charge-offs (x) | 4.7828% | 3,458 |
| Efficiency ratio | 70.7006% | 3,723 |
| Assets per employee ($millions) | 4.0787% | 3,698 |
| Cash dividends to net income (ytd only)* | 73.6511% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 2,334 |
| Loan loss allowance to noncurrent loans | 113.5498% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.3814% | 2,678 |
| Noncurrent loans to loans | 1.5148% | 2,624 |
| Net loans and leases to total assets | 59.3147% | 3,825 |
| Net loans and leases to deposits | 65.0572% | 4,407 |
| Net loans and leases to core deposits | 66.8740% | 4,629 |
| Total domestic deposits to total assets | 91.1731% | 509 |
| Equity capital to assets | 8.6282% | 5,452 |
| Core capital (leverage) ratio | 8.4879% | 5,688 |
| Tier 1 risk-based capital ratio | 13.1034% | 4,909 |
| Total risk-based capital ratio | 14.3568% | 4,852 |
| Memoranda: | ||
| Average total assets | $152,431,800 | 3,667 |
| Average earning assets | $138,803,000 | 3,685 |
| Average equity | $13,111,800 | 4,241 |
| Average total loans | $95,242,800 | 3,573 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 3,480 |
| Cost of funding earning assets | 0.2965% | 5,763 |
| Net interest margin | 3.8778% | 2,352 |
| Noninterest income to average assets | 1.2561% | 930 |
| Noninterest expense to average assets | 3.3896% | 1,853 |
| Loan and lease loss provision to assets | 0.1801% | 2,023 |
| Net operating income to assets | 1.2359% | 1,517 |
| Return on assets (ROA) | 1.2359% | 1,596 |
| Pretax return on assets | 1.2359% | 2,559 |
| Return on Equity (ROE) | 14.3790% | 910 |
| Retained earnings to average equity (ytd only) | 0.0102% | 5,927 |
| Net charge-offs to loans | 0.5366% | 1,189 |
| Credit loss provision to net charge-offs | 53.2468% | 3,431 |
| Earnings coverage of net charge-offs (x) | 4.1870% | 3,513 |
| Efficiency ratio | 70.5173% | 3,669 |
| Assets per employee ($millions) | 4.0136% | 3,808 |
| Cash dividends to net income (ytd only)* | 99.9291% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7958% | 2,314 |
| Loan loss allowance to noncurrent loans | 119.0851% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.2375% | 3,167 |
| Noncurrent loans to loans | 1.5080% | 2,907 |
| Net loans and leases to total assets | 54.0464% | 4,609 |
| Net loans and leases to deposits | 58.8932% | 5,097 |
| Net loans and leases to core deposits | 60.4023% | 5,265 |
| Total domestic deposits to total assets | 91.7702% | 294 |
| Equity capital to assets | 7.6164% | 6,344 |
| Core capital (leverage) ratio | 8.4186% | 5,842 |
| Tier 1 risk-based capital ratio | 12.6706% | 5,347 |
| Total risk-based capital ratio | 13.9247% | 5,288 |
| Memoranda: | ||
| Average total assets | $151,791,750 | 3,708 |
| Average earning assets | $138,942,750 | 3,714 |
| Average equity | $13,046,500 | 4,304 |
| Average total loans | $95,668,000 | 3,587 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 2,883 |
| Cost of funding earning assets | 0.3199% | 5,664 |
| Net interest margin | 3.9961% | 1,869 |
| Noninterest income to average assets | 1.0903% | 1,286 |
| Noninterest expense to average assets | 3.3229% | 2,011 |
| Loan and lease loss provision to assets | 0.3393% | 999 |
| Net operating income to assets | 1.1026% | 1,916 |
| Return on assets (ROA) | 1.1026% | 2,033 |
| Pretax return on assets | 1.1026% | 3,088 |
| Return on Equity (ROE) | 12.2906% | 1,406 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,846 |
| Net charge-offs to loans | 0.7699% | 825 |
| Credit loss provision to net charge-offs | 66.6667% | 2,897 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 3,571 |
| Efficiency ratio | 69.7100% | 3,881 |
| Assets per employee ($millions) | 3.5207% | 4,808 |
| Cash dividends to net income (ytd only)* | 100.0000% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 2,437 |
| Loan loss allowance to noncurrent loans | 100.9971% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.8164% | 2,389 |
| Noncurrent loans to loans | 1.7807% | 2,658 |
| Net loans and leases to total assets | 65.1380% | 2,741 |
| Net loans and leases to deposits | 71.8820% | 3,466 |
| Net loans and leases to core deposits | 74.2221% | 3,777 |
| Total domestic deposits to total assets | 90.6179% | 695 |
| Equity capital to assets | 8.9394% | 5,281 |
| Core capital (leverage) ratio | 8.9897% | 5,009 |
| Tier 1 risk-based capital ratio | 13.1806% | 5,008 |
| Total risk-based capital ratio | 14.4364% | 4,940 |
| Memoranda: | ||
| Average total assets | $146,199,000 | 3,835 |
| Average earning assets | $134,430,670 | 3,815 |
| Average equity | $13,115,670 | 4,322 |
| Average total loans | $96,633,330 | 3,573 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2506% | 3,102 |
| Cost of funding earning assets | 0.3458% | 5,580 |
| Net interest margin | 3.9047% | 2,105 |
| Noninterest income to average assets | 1.1147% | 1,196 |
| Noninterest expense to average assets | 3.3387% | 1,986 |
| Loan and lease loss provision to assets | 0.4894% | 550 |
| Net operating income to assets | 0.8782% | 2,762 |
| Return on assets (ROA) | 0.8782% | 2,910 |
| Pretax return on assets | 0.8782% | 3,848 |
| Return on Equity (ROE) | 9.7720% | 2,150 |
| Retained earnings to average equity (ytd only) | -0.1210% | 5,797 |
| Net charge-offs to loans | 1.2361% | 464 |
| Credit loss provision to net charge-offs | 60.0000% | 2,443 |
| Earnings coverage of net charge-offs (x) | 1.6767% | 3,272 |
| Efficiency ratio | 70.9417% | 3,799 |
| Assets per employee ($millions) | 4.0909% | 3,763 |
| Cash dividends to net income (ytd only)* | 101.2384% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8084% | 2,591 |
| Loan loss allowance to noncurrent loans | 62.6497% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.7113% | 1,673 |
| Noncurrent loans to loans | 2.8865% | 1,751 |
| Net loans and leases to total assets | 63.6349% | 2,783 |
| Net loans and leases to deposits | 70.1422% | 3,461 |
| Net loans and leases to core deposits | 72.3728% | 3,775 |
| Total domestic deposits to total assets | 90.7227% | 661 |
| Equity capital to assets | 9.0078% | 5,472 |
| Core capital (leverage) ratio | 8.7787% | 5,221 |
| Tier 1 risk-based capital ratio | 13.1802% | 5,077 |
| Total risk-based capital ratio | 14.4355% | 5,029 |
| Memoranda: | ||
| Average total assets | $147,124,000 | 3,860 |
| Average earning assets | $135,323,500 | 3,841 |
| Average equity | $13,221,500 | 4,344 |
| Average total loans | $97,076,000 | 3,589 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 2,414 |
| Cost of funding earning assets | 0.4640% | 5,463 |
| Net interest margin | 4.2811% | 1,443 |
| Noninterest income to average assets | 1.0525% | 1,398 |
| Noninterest expense to average assets | 3.2010% | 2,611 |
| Loan and lease loss provision to assets | 0.4725% | 1,310 |
| Net operating income to assets | 1.1619% | 1,725 |
| Return on assets (ROA) | 1.2191% | 1,706 |
| Pretax return on assets | 1.2191% | 2,727 |
| Return on Equity (ROE) | 13.5306% | 1,101 |
| Retained earnings to average equity (ytd only) | 0.0151% | 5,827 |
| Net charge-offs to loans | 0.4012% | 2,652 |
| Credit loss provision to net charge-offs | 170.7617% | 1,548 |
| Earnings coverage of net charge-offs (x) | 5.9066% | 2,917 |
| Efficiency ratio | 66.1699% | 4,465 |
| Assets per employee ($millions) | 4.0826% | 3,785 |
| Cash dividends to net income (ytd only)* | 99.8885% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8712% | 2,381 |
| Loan loss allowance to noncurrent loans | 55.0850% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 2.7331% | 1,764 |
| Noncurrent loans to loans | 3.3969% | 1,485 |
| Net loans and leases to total assets | 65.9037% | 2,540 |
| Net loans and leases to deposits | 72.7558% | 3,291 |
| Net loans and leases to core deposits | 74.7075% | 3,694 |
| Total domestic deposits to total assets | 90.5821% | 671 |
| Equity capital to assets | 8.9655% | 5,559 |
| Core capital (leverage) ratio | 8.5019% | 5,607 |
| Tier 1 risk-based capital ratio | 12.9674% | 5,132 |
| Total risk-based capital ratio | 14.2241% | 5,064 |
| Memoranda: | ||
| Average total assets | $147,080,800 | 3,827 |
| Average earning assets | $129,965,600 | 3,897 |
| Average equity | $13,251,400 | 4,307 |
| Average total loans | $101,449,800 | 3,483 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 2,503 |
| Cost of funding earning assets | 0.4865% | 5,531 |
| Net interest margin | 4.2847% | 1,521 |
| Noninterest income to average assets | 1.0541% | 1,360 |
| Noninterest expense to average assets | 3.2520% | 2,417 |
| Loan and lease loss provision to assets | 0.4495% | 1,397 |
| Net operating income to assets | 1.1039% | 2,072 |
| Return on assets (ROA) | 1.1039% | 2,266 |
| Pretax return on assets | 1.1039% | 3,343 |
| Return on Equity (ROE) | 12.2378% | 1,556 |
| Retained earnings to average equity (ytd only) | 0.0201% | 6,064 |
| Net charge-offs to loans | 0.2467% | 3,243 |
| Credit loss provision to net charge-offs | 262.4339% | 1,052 |
| Earnings coverage of net charge-offs (x) | 9.0689% | 2,370 |
| Efficiency ratio | 67.6537% | 4,140 |
| Assets per employee ($millions) | 4.3849% | 3,096 |
| Cash dividends to net income (ytd only)* | 99.8356% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9064% | 2,449 |
| Loan loss allowance to noncurrent loans | 50.2019% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 2.8038% | 1,877 |
| Noncurrent loans to loans | 3.7974% | 1,395 |
| Net loans and leases to total assets | 60.7924% | 3,612 |
| Net loans and leases to deposits | 66.7160% | 4,372 |
| Net loans and leases to core deposits | 68.3662% | 4,690 |
| Total domestic deposits to total assets | 91.1211% | 384 |
| Equity capital to assets | 8.4412% | 6,315 |
| Core capital (leverage) ratio | 8.6439% | 5,562 |
| Tier 1 risk-based capital ratio | 12.5936% | 5,570 |
| Total risk-based capital ratio | 13.8502% | 5,526 |
| Memoranda: | ||
| Average total assets | $147,107,250 | 3,865 |
| Average earning assets | $128,796,750 | 3,962 |
| Average equity | $13,270,000 | 4,348 |
| Average total loans | $102,135,000 | 3,506 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8480% | 2,312 |
| Cost of funding earning assets | 0.4910% | 5,679 |
| Net interest margin | 4.3570% | 1,317 |
| Noninterest income to average assets | 0.9127% | 1,738 |
| Noninterest expense to average assets | 3.0699% | 3,017 |
| Loan and lease loss provision to assets | 0.6173% | 943 |
| Net operating income to assets | 1.1455% | 1,891 |
| Return on assets (ROA) | 1.1455% | 2,108 |
| Pretax return on assets | 1.1455% | 3,134 |
| Return on Equity (ROE) | 12.4060% | 1,534 |
| Retained earnings to average equity (ytd only) | 0.2415% | 5,963 |
| Net charge-offs to loans | 0.0077% | 5,371 |
| Credit loss provision to net charge-offs | 11,075.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 316.2500% | 130 |
| Efficiency ratio | 63.4948% | 4,986 |
| Assets per employee ($millions) | 4.1061% | 3,654 |
| Cash dividends to net income (ytd only)* | 98.0535% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 2,395 |
| Loan loss allowance to noncurrent loans | 54.5182% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 3.2584% | 1,664 |
| Noncurrent loans to loans | 3.5647% | 1,607 |
| Net loans and leases to total assets | 72.1755% | 1,527 |
| Net loans and leases to deposits | 80.2462% | 2,350 |
| Net loans and leases to core deposits | 82.8826% | 2,841 |
| Total domestic deposits to total assets | 89.9425% | 956 |
| Equity capital to assets | 9.5232% | 5,027 |
| Core capital (leverage) ratio | 9.3035% | 4,448 |
| Tier 1 risk-based capital ratio | 12.7604% | 5,368 |
| Total risk-based capital ratio | 14.0184% | 5,335 |
| Memoranda: | ||
| Average total assets | $143,524,000 | 3,942 |
| Average earning assets | $129,126,000 | 3,974 |
| Average equity | $13,251,670 | 4,349 |
| Average total loans | $103,570,000 | 3,482 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7917% | 2,672 |
| Cost of funding earning assets | 0.5047% | 5,786 |
| Net interest margin | 4.2869% | 1,514 |
| Noninterest income to average assets | 0.9046% | 1,728 |
| Noninterest expense to average assets | 3.0767% | 2,996 |
| Loan and lease loss provision to assets | 0.8056% | 609 |
| Net operating income to assets | 0.8523% | 3,147 |
| Return on assets (ROA) | 0.8523% | 3,383 |
| Pretax return on assets | 0.8523% | 4,222 |
| Return on Equity (ROE) | 9.3726% | 2,649 |
| Retained earnings to average equity (ytd only) | 0.0302% | 5,966 |
| Net charge-offs to loans | -0.1270% | 6,871 |
| Credit loss provision to net charge-offs | -887.8788% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9826% | 4,741 |
| Assets per employee ($millions) | 4.2065% | 3,564 |
| Cash dividends to net income (ytd only)* | 99.6774% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 2,941 |
| Loan loss allowance to noncurrent loans | 48.0000% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 3.3527% | 1,717 |
| Noncurrent loans to loans | 3.7814% | 1,635 |
| Net loans and leases to total assets | 69.2228% | 1,906 |
| Net loans and leases to deposits | 76.2812% | 2,752 |
| Net loans and leases to core deposits | 78.6319% | 3,242 |
| Total domestic deposits to total assets | 90.7469% | 661 |
| Equity capital to assets | 8.9794% | 5,527 |
| Core capital (leverage) ratio | 9.0564% | 4,752 |
| Tier 1 risk-based capital ratio | 12.6145% | 5,507 |
| Total risk-based capital ratio | 13.8813% | 5,460 |
| Memoranda: | ||
| Average total assets | $145,482,500 | 3,946 |
| Average earning assets | $129,976,000 | 3,989 |
| Average equity | $13,230,000 | 4,366 |
| Average total loans | $103,975,500 | 3,502 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 3,243 |
| Cost of funding earning assets | 0.6252% | 5,959 |
| Net interest margin | 4.2985% | 1,699 |
| Noninterest income to average assets | 0.8193% | 1,965 |
| Noninterest expense to average assets | 3.3737% | 2,310 |
| Loan and lease loss provision to assets | 0.5061% | 2,078 |
| Net operating income to assets | 0.8138% | 2,983 |
| Return on assets (ROA) | 0.8590% | 2,926 |
| Pretax return on assets | 0.8590% | 3,748 |
| Return on Equity (ROE) | 9.5237% | 2,241 |
| Retained earnings to average equity (ytd only) | 0.0152% | 5,826 |
| Net charge-offs to loans | 1.0270% | 1,698 |
| Credit loss provision to net charge-offs | 69.8772% | 4,852 |
| Earnings coverage of net charge-offs (x) | 1.8225% | 4,415 |
| Efficiency ratio | 71.8636% | 3,598 |
| Assets per employee ($millions) | 3.9928% | 3,873 |
| Cash dividends to net income (ytd only)* | 99.8408% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 4,045 |
| Loan loss allowance to noncurrent loans | 51.5894% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 3.0945% | 1,935 |
| Noncurrent loans to loans | 2.8996% | 2,254 |
| Net loans and leases to total assets | 71.3759% | 1,757 |
| Net loans and leases to deposits | 78.8361% | 2,703 |
| Net loans and leases to core deposits | 81.7607% | 3,215 |
| Total domestic deposits to total assets | 90.5370% | 699 |
| Equity capital to assets | 9.2111% | 5,267 |
| Core capital (leverage) ratio | 8.7213% | 5,216 |
| Tier 1 risk-based capital ratio | 12.4872% | 5,461 |
| Total risk-based capital ratio | 13.7440% | 5,439 |
| Memoranda: | ||
| Average total assets | $146,219,000 | 3,871 |
| Average earning assets | $131,790,200 | 3,897 |
| Average equity | $13,188,200 | 4,308 |
| Average total loans | $103,115,800 | 3,542 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9624% | 3,278 |
| Cost of funding earning assets | 0.6499% | 6,032 |
| Net interest margin | 4.3124% | 1,668 |
| Noninterest income to average assets | 0.8608% | 1,800 |
| Noninterest expense to average assets | 3.4322% | 2,113 |
| Loan and lease loss provision to assets | 0.3995% | 2,458 |
| Net operating income to assets | 0.9089% | 2,705 |
| Return on assets (ROA) | 0.9098% | 2,844 |
| Pretax return on assets | 0.9098% | 3,722 |
| Return on Equity (ROE) | 10.1400% | 2,148 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,951 |
| Net charge-offs to loans | 1.2626% | 1,232 |
| Credit loss provision to net charge-offs | 45.1745% | 5,140 |
| Earnings coverage of net charge-offs (x) | 1.4795% | 4,525 |
| Efficiency ratio | 72.3808% | 3,478 |
| Assets per employee ($millions) | 4.4285% | 3,036 |
| Cash dividends to net income (ytd only)* | 100.0000% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 4,954 |
| Loan loss allowance to noncurrent loans | 86.1450% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 2.3252% | 2,759 |
| Noncurrent loans to loans | 1.5241% | 3,992 |
| Net loans and leases to total assets | 65.1296% | 3,080 |
| Net loans and leases to deposits | 71.6148% | 4,042 |
| Net loans and leases to core deposits | 73.8109% | 4,474 |
| Total domestic deposits to total assets | 90.9443% | 451 |
| Equity capital to assets | 8.5982% | 6,203 |
| Core capital (leverage) ratio | 8.9711% | 4,982 |
| Tier 1 risk-based capital ratio | 12.3674% | 5,610 |
| Total risk-based capital ratio | 13.6164% | 5,594 |
| Memoranda: | ||
| Average total assets | $146,839,000 | 3,872 |
| Average earning assets | $132,111,000 | 3,912 |
| Average equity | $13,175,250 | 4,312 |
| Average total loans | $102,856,500 | 3,575 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9815% | 3,248 |
| Cost of funding earning assets | 0.6735% | 6,108 |
| Net interest margin | 4.3080% | 1,624 |
| Noninterest income to average assets | 0.6536% | 2,808 |
| Noninterest expense to average assets | 3.2834% | 2,623 |
| Loan and lease loss provision to assets | 0.4024% | 2,417 |
| Net operating income to assets | 0.8909% | 2,679 |
| Return on assets (ROA) | 0.8909% | 2,786 |
| Pretax return on assets | 0.8909% | 3,650 |
| Return on Equity (ROE) | 9.7831% | 2,196 |
| Retained earnings to average equity (ytd only) | 1.4019% | 5,288 |
| Net charge-offs to loans | 1.4091% | 1,074 |
| Credit loss provision to net charge-offs | 39.9449% | 4,817 |
| Earnings coverage of net charge-offs (x) | 1.2837% | 4,329 |
| Efficiency ratio | 71.7101% | 3,792 |
| Assets per employee ($millions) | 3.9083% | 3,974 |
| Cash dividends to net income (ytd only)* | 85.6698% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 4,706 |
| Loan loss allowance to noncurrent loans | 76.1628% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 2.6056% | 2,556 |
| Noncurrent loans to loans | 1.8042% | 3,748 |
| Net loans and leases to total assets | 73.5073% | 1,501 |
| Net loans and leases to deposits | 82.4812% | 2,374 |
| Net loans and leases to core deposits | 85.4363% | 3,007 |
| Total domestic deposits to total assets | 89.1200% | 1,467 |
| Equity capital to assets | 9.4478% | 4,897 |
| Core capital (leverage) ratio | 9.0336% | 4,664 |
| Tier 1 risk-based capital ratio | 12.5060% | 5,342 |
| Total risk-based capital ratio | 13.7562% | 5,313 |
| Memoranda: | ||
| Average total assets | $144,119,670 | 3,952 |
| Average earning assets | $131,245,330 | 3,954 |
| Average equity | $13,124,670 | 4,312 |
| Average total loans | $103,044,670 | 3,604 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9267% | 3,440 |
| Cost of funding earning assets | 0.6895% | 6,195 |
| Net interest margin | 4.2372% | 1,792 |
| Noninterest income to average assets | 0.6281% | 2,976 |
| Noninterest expense to average assets | 3.2284% | 2,788 |
| Loan and lease loss provision to assets | 0.3840% | 2,261 |
| Net operating income to assets | 0.8421% | 2,813 |
| Return on assets (ROA) | 0.8421% | 2,871 |
| Pretax return on assets | 0.8421% | 3,731 |
| Return on Equity (ROE) | 9.4168% | 2,311 |
| Retained earnings to average equity (ytd only) | 0.2147% | 5,727 |
| Net charge-offs to loans | 2.0600% | 617 |
| Credit loss provision to net charge-offs | 26.6160% | 4,175 |
| Earnings coverage of net charge-offs (x) | 0.8498% | 4,000 |
| Efficiency ratio | 72.4754% | 3,773 |
| Assets per employee ($millions) | 4.1622% | 3,513 |
| Cash dividends to net income (ytd only)* | 97.7199% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 4,418 |
| Loan loss allowance to noncurrent loans | 72.0638% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 2.5673% | 2,664 |
| Noncurrent loans to loans | 2.0190% | 3,548 |
| Net loans and leases to total assets | 69.3212% | 2,261 |
| Net loans and leases to deposits | 76.8818% | 3,275 |
| Net loans and leases to core deposits | 79.3932% | 3,834 |
| Total domestic deposits to total assets | 90.1659% | 1,049 |
| Equity capital to assets | 8.9595% | 5,267 |
| Core capital (leverage) ratio | 8.8515% | 4,851 |
| Tier 1 risk-based capital ratio | 12.4818% | 5,284 |
| Total risk-based capital ratio | 13.7368% | 5,254 |
| Memoranda: | ||
| Average total assets | $145,830,000 | 3,957 |
| Average earning assets | $131,690,000 | 3,983 |
| Average equity | $13,040,500 | 4,334 |
| Average total loans | $102,134,500 | 3,665 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1217% | 3,995 |
| Cost of funding earning assets | 0.9797% | 5,783 |
| Net interest margin | 4.1420% | 2,400 |
| Noninterest income to average assets | 0.8341% | 2,126 |
| Noninterest expense to average assets | 3.2665% | 2,845 |
| Loan and lease loss provision to assets | 0.5542% | 2,918 |
| Net operating income to assets | 0.7141% | 3,178 |
| Return on assets (ROA) | 0.7161% | 3,296 |
| Pretax return on assets | 0.7161% | 3,916 |
| Return on Equity (ROE) | 8.1704% | 2,631 |
| Retained earnings to average equity (ytd only) | 3.3965% | 3,494 |
| Net charge-offs to loans | 0.5746% | 3,325 |
| Credit loss provision to net charge-offs | 137.1817% | 2,783 |
| Earnings coverage of net charge-offs (x) | 3.1392% | 3,503 |
| Efficiency ratio | 72.0012% | 3,796 |
| Assets per employee ($millions) | 4.0551% | 3,674 |
| Cash dividends to net income (ytd only)* | 58.4291% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8439% | 2,708 |
| Loan loss allowance to noncurrent loans | 99.3647% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 2.3290% | 2,939 |
| Noncurrent loans to loans | 1.8557% | 3,746 |
| Net loans and leases to total assets | 68.4436% | 2,876 |
| Net loans and leases to deposits | 75.9027% | 3,854 |
| Net loans and leases to core deposits | 79.1270% | 4,328 |
| Total domestic deposits to total assets | 90.1728% | 1,005 |
| Equity capital to assets | 8.9250% | 5,247 |
| Core capital (leverage) ratio | 8.6269% | 5,145 |
| Tier 1 risk-based capital ratio | 12.6993% | 4,865 |
| Total risk-based capital ratio | 13.9563% | 4,833 |
| Memoranda: | ||
| Average total assets | $145,783,600 | 3,951 |
| Average earning assets | $130,249,600 | 4,012 |
| Average equity | $12,777,800 | 4,400 |
| Average total loans | $102,509,200 | 3,725 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0970% | 4,330 |
| Cost of funding earning assets | 1.0311% | 5,794 |
| Net interest margin | 4.0659% | 2,787 |
| Noninterest income to average assets | 0.7475% | 2,528 |
| Noninterest expense to average assets | 3.3046% | 2,558 |
| Loan and lease loss provision to assets | 0.5050% | 2,933 |
| Net operating income to assets | 0.5599% | 4,052 |
| Return on assets (ROA) | 0.5627% | 4,205 |
| Pretax return on assets | 0.5627% | 4,715 |
| Return on Equity (ROE) | 6.4489% | 3,599 |
| Retained earnings to average equity (ytd only) | 1.6253% | 5,138 |
| Net charge-offs to loans | 0.5233% | 3,207 |
| Credit loss provision to net charge-offs | 136.9727% | 2,912 |
| Earnings coverage of net charge-offs (x) | 2.8883% | 3,688 |
| Efficiency ratio | 75.6072% | 3,019 |
| Assets per employee ($millions) | 4.0596% | 3,717 |
| Cash dividends to net income (ytd only)* | 74.7969% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 2,922 |
| Loan loss allowance to noncurrent loans | 92.2841% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 2.0439% | 3,414 |
| Noncurrent loans to loans | 1.9116% | 3,790 |
| Net loans and leases to total assets | 63.5214% | 4,219 |
| Net loans and leases to deposits | 69.8808% | 5,165 |
| Net loans and leases to core deposits | 72.6544% | 5,444 |
| Total domestic deposits to total assets | 90.8996% | 484 |
| Equity capital to assets | 8.1428% | 6,675 |
| Core capital (leverage) ratio | 8.5885% | 5,366 |
| Tier 1 risk-based capital ratio | 12.4068% | 5,074 |
| Total risk-based capital ratio | 13.6629% | 5,035 |
| Memoranda: | ||
| Average total assets | $145,733,750 | 4,010 |
| Average earning assets | $129,824,500 | 4,071 |
| Average equity | $12,715,000 | 4,497 |
| Average total loans | $102,688,250 | 3,775 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3562% | 3,184 |
| Cost of funding earning assets | 1.0837% | 5,766 |
| Net interest margin | 4.2725% | 1,881 |
| Noninterest income to average assets | 0.5002% | 4,117 |
| Noninterest expense to average assets | 3.1864% | 2,955 |
| Loan and lease loss provision to assets | 0.7094% | 2,050 |
| Net operating income to assets | 0.3815% | 4,844 |
| Return on assets (ROA) | 0.3858% | 4,981 |
| Pretax return on assets | 0.3858% | 5,270 |
| Return on Equity (ROE) | 4.3142% | 4,640 |
| Retained earnings to average equity (ytd only) | -0.4267% | 5,832 |
| Net charge-offs to loans | 0.7121% | 2,435 |
| Credit loss provision to net charge-offs | 137.1585% | 2,923 |
| Earnings coverage of net charge-offs (x) | 2.1093% | 3,968 |
| Efficiency ratio | 74.4632% | 3,382 |
| Assets per employee ($millions) | 3.6916% | 4,497 |
| Cash dividends to net income (ytd only)* | 109.8901% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 3,012 |
| Loan loss allowance to noncurrent loans | 136.9466% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 2.0622% | 3,432 |
| Noncurrent loans to loans | 1.2535% | 4,874 |
| Net loans and leases to total assets | 71.3444% | 2,579 |
| Net loans and leases to deposits | 79.0604% | 3,787 |
| Net loans and leases to core deposits | 82.0186% | 4,414 |
| Total domestic deposits to total assets | 90.2405% | 796 |
| Equity capital to assets | 8.8073% | 5,741 |
| Core capital (leverage) ratio | 9.0960% | 4,465 |
| Tier 1 risk-based capital ratio | 12.0471% | 5,269 |
| Total risk-based capital ratio | 13.3028% | 5,232 |
| Memoranda: | ||
| Average total assets | $141,537,330 | 4,111 |
| Average earning assets | $125,125,000 | 4,207 |
| Average equity | $12,656,000 | 4,508 |
| Average total loans | $102,792,670 | 3,808 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4779% | 2,701 |
| Cost of funding earning assets | 1.1151% | 5,830 |
| Net interest margin | 4.3628% | 1,497 |
| Noninterest income to average assets | 0.4761% | 4,236 |
| Noninterest expense to average assets | 3.1813% | 2,935 |
| Loan and lease loss provision to assets | 0.6670% | 1,900 |
| Net operating income to assets | 0.4532% | 4,603 |
| Return on assets (ROA) | 0.4590% | 4,700 |
| Pretax return on assets | 0.4590% | 5,092 |
| Return on Equity (ROE) | 5.0933% | 4,314 |
| Retained earnings to average equity (ytd only) | -2.8156% | 6,336 |
| Net charge-offs to loans | 0.8084% | 1,922 |
| Credit loss provision to net charge-offs | 113.5922% | 3,056 |
| Earnings coverage of net charge-offs (x) | 1.9078% | 3,587 |
| Efficiency ratio | 73.9563% | 3,583 |
| Assets per employee ($millions) | 3.7407% | 4,460 |
| Cash dividends to net income (ytd only)* | 155.2795% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 3,231 |
| Loan loss allowance to noncurrent loans | 253.5338% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 1.5927% | 4,109 |
| Noncurrent loans to loans | 0.6526% | 6,017 |
| Net loans and leases to total assets | 70.4977% | 2,801 |
| Net loans and leases to deposits | 78.1924% | 4,006 |
| Net loans and leases to core deposits | 80.8215% | 4,656 |
| Total domestic deposits to total assets | 90.1593% | 911 |
| Equity capital to assets | 8.8663% | 5,455 |
| Core capital (leverage) ratio | 8.8622% | 4,780 |
| Tier 1 risk-based capital ratio | 12.2819% | 4,913 |
| Total risk-based capital ratio | 13.5429% | 4,869 |
| Memoranda: | ||
| Average total assets | $140,320,000 | 4,189 |
| Average earning assets | $123,040,000 | 4,302 |
| Average equity | $12,644,000 | 4,556 |
| Average total loans | $101,934,000 | 3,891 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8640% | 2,392 |
| Cost of funding earning assets | 1.4062% | 5,909 |
| Net interest margin | 4.4578% | 1,275 |
| Noninterest income to average assets | 0.8414% | 2,222 |
| Noninterest expense to average assets | 3.5754% | 2,205 |
| Loan and lease loss provision to assets | 0.8000% | 2,732 |
| Net operating income to assets | 0.4340% | 3,991 |
| Return on assets (ROA) | 0.4443% | 4,073 |
| Pretax return on assets | 0.4443% | 4,366 |
| Return on Equity (ROE) | 4.9058% | 3,705 |
| Retained earnings to average equity (ytd only) | 2.3754% | 3,457 |
| Net charge-offs to loans | 0.7887% | 2,854 |
| Credit loss provision to net charge-offs | 131.3107% | 3,859 |
| Earnings coverage of net charge-offs (x) | 2.0255% | 4,205 |
| Efficiency ratio | 74.3121% | 3,832 |
| Assets per employee ($millions) | 3.5512% | 4,887 |
| Cash dividends to net income (ytd only)* | 51.5807% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6259% | 3,176 |
| Loan loss allowance to noncurrent loans | 130.6541% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 2.3098% | 2,992 |
| Noncurrent loans to loans | 1.2444% | 4,869 |
| Net loans and leases to total assets | 72.4322% | 2,650 |
| Net loans and leases to deposits | 80.9051% | 3,821 |
| Net loans and leases to core deposits | 91.1863% | 4,990 |
| Total domestic deposits to total assets | 89.5274% | 1,199 |
| Equity capital to assets | 9.1592% | 4,903 |
| Core capital (leverage) ratio | 8.8332% | 4,716 |
| Tier 1 risk-based capital ratio | 12.2880% | 4,699 |
| Total risk-based capital ratio | 13.5418% | 4,658 |
| Memoranda: | ||
| Average total assets | $135,256,800 | 4,233 |
| Average earning assets | $120,395,000 | 4,303 |
| Average equity | $12,250,800 | 4,693 |
| Average total loans | $104,478,800 | 3,822 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9258% | 2,335 |
| Cost of funding earning assets | 1.4438% | 6,063 |
| Net interest margin | 4.4820% | 1,238 |
| Noninterest income to average assets | 0.7735% | 2,581 |
| Noninterest expense to average assets | 3.6435% | 1,936 |
| Loan and lease loss provision to assets | 0.8548% | 2,243 |
| Net operating income to assets | 0.2896% | 4,822 |
| Return on assets (ROA) | 0.3035% | 4,884 |
| Pretax return on assets | 0.3035% | 5,054 |
| Return on Equity (ROE) | 3.3601% | 4,639 |
| Retained earnings to average equity (ytd only) | -0.0439% | 5,219 |
| Net charge-offs to loans | 0.2474% | 4,503 |
| Credit loss provision to net charge-offs | 442.0513% | 897 |
| Earnings coverage of net charge-offs (x) | 5.9180% | 2,705 |
| Efficiency ratio | 76.0771% | 3,500 |
| Assets per employee ($millions) | 3.8671% | 4,031 |
| Cash dividends to net income (ytd only)* | 101.3064% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9904% | 1,824 |
| Loan loss allowance to noncurrent loans | 130.3909% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 2.0109% | 3,329 |
| Noncurrent loans to loans | 1.5265% | 4,366 |
| Net loans and leases to total assets | 69.2959% | 3,655 |
| Net loans and leases to deposits | 77.5843% | 4,803 |
| Net loans and leases to core deposits | 86.9867% | 5,758 |
| Total domestic deposits to total assets | 89.3168% | 1,053 |
| Equity capital to assets | 8.4613% | 6,296 |
| Core capital (leverage) ratio | 9.1158% | 4,462 |
| Tier 1 risk-based capital ratio | 11.9387% | 5,027 |
| Total risk-based capital ratio | 13.1974% | 4,955 |
| Memoranda: | ||
| Average total assets | $134,447,250 | 4,272 |
| Average earning assets | $120,420,500 | 4,338 |
| Average equity | $12,142,250 | 4,758 |
| Average total loans | $105,105,250 | 3,850 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1651% | 1,575 |
| Cost of funding earning assets | 1.5434% | 5,960 |
| Net interest margin | 4.6217% | 916 |
| Noninterest income to average assets | 0.4728% | 4,690 |
| Noninterest expense to average assets | 3.5125% | 2,300 |
| Loan and lease loss provision to assets | 1.0930% | 1,570 |
| Net operating income to assets | -0.0184% | 5,878 |
| Return on assets (ROA) | 0.0031% | 5,904 |
| Pretax return on assets | 0.0031% | 5,860 |
| Return on Equity (ROE) | 0.0332% | 5,909 |
| Retained earnings to average equity (ytd only) | -3.4537% | 6,037 |
| Net charge-offs to loans | 0.2919% | 3,732 |
| Credit loss provision to net charge-offs | 462.3377% | 1,001 |
| Earnings coverage of net charge-offs (x) | 4.5455% | 3,071 |
| Efficiency ratio | 76.5395% | 3,591 |
| Assets per employee ($millions) | 3.3037% | 5,310 |
| Cash dividends to net income (ytd only)* | 10,500.0000% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 1,916 |
| Loan loss allowance to noncurrent loans | 495.6962% | 658 |
| Noncurrent assets plus other real estate owned to assets | 1.4402% | 4,087 |
| Noncurrent loans to loans | 0.3731% | 6,580 |
| Net loans and leases to total assets | 82.7687% | 815 |
| Net loans and leases to deposits | 94.3383% | 2,041 |
| Net loans and leases to core deposits | 109.5915% | 3,419 |
| Total domestic deposits to total assets | 87.7361% | 1,912 |
| Equity capital to assets | 9.6544% | 4,419 |
| Core capital (leverage) ratio | 9.4796% | 3,923 |
| Tier 1 risk-based capital ratio | 11.8510% | 5,044 |
| Total risk-based capital ratio | 13.1184% | 4,942 |
| Memoranda: | ||
| Average total assets | $130,279,330 | 4,383 |
| Average earning assets | $115,974,670 | 4,464 |
| Average equity | $12,045,000 | 4,806 |
| Average total loans | $105,507,330 | 3,873 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1053% | 1,923 |
| Cost of funding earning assets | 1.5546% | 6,216 |
| Net interest margin | 4.5507% | 1,037 |
| Noninterest income to average assets | 0.7991% | 2,329 |
| Noninterest expense to average assets | 3.4195% | 2,301 |
| Loan and lease loss provision to assets | 1.4927% | 844 |
| Net operating income to assets | -0.1055% | 6,417 |
| Return on assets (ROA) | -0.0694% | 6,480 |
| Pretax return on assets | -0.0694% | 6,453 |
| Return on Equity (ROE) | -0.7662% | 6,508 |
| Retained earnings to average equity (ytd only) | -2.7649% | 6,234 |
| Net charge-offs to loans | 0.4709% | 2,268 |
| Credit loss provision to net charge-offs | 399.1935% | 1,303 |
| Earnings coverage of net charge-offs (x) | 3.7097% | 3,093 |
| Efficiency ratio | 71.1418% | 4,337 |
| Assets per employee ($millions) | 3.4453% | 4,958 |
| Cash dividends to net income (ytd only)* | -260.8696% | 8,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 2,183 |
| Loan loss allowance to noncurrent loans | 184.0956% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 2.3428% | 2,445 |
| Noncurrent loans to loans | 0.9163% | 5,169 |
| Net loans and leases to total assets | 76.8181% | 2,082 |
| Net loans and leases to deposits | 86.8642% | 3,501 |
| Net loans and leases to core deposits | 99.6582% | 4,574 |
| Total domestic deposits to total assets | 88.4347% | 1,513 |
| Equity capital to assets | 9.1048% | 5,220 |
| Core capital (leverage) ratio | 9.1256% | 4,512 |
| Tier 1 risk-based capital ratio | 11.6311% | 5,269 |
| Total risk-based capital ratio | 12.8870% | 5,181 |
| Memoranda: | ||
| Average total assets | $132,649,500 | 4,360 |
| Average earning assets | $116,816,500 | 4,464 |
| Average equity | $12,007,500 | 4,831 |
| Average total loans | $105,328,500 | 3,897 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5200% | 2,866 |
| Cost of funding earning assets | 2.0171% | 6,357 |
| Net interest margin | 4.5029% | 1,414 |
| Noninterest income to average assets | 0.9569% | 1,737 |
| Noninterest expense to average assets | 3.5867% | 2,186 |
| Loan and lease loss provision to assets | 1.1815% | 1,223 |
| Net operating income to assets | 0.3450% | 5,374 |
| Return on assets (ROA) | 0.3504% | 5,163 |
| Pretax return on assets | 0.3481% | 5,400 |
| Return on Equity (ROE) | 4.1096% | 4,776 |
| Retained earnings to average equity (ytd only) | -0.6115% | 5,475 |
| Net charge-offs to loans | 1.1374% | 1,069 |
| Credit loss provision to net charge-offs | 127.4607% | 4,184 |
| Earnings coverage of net charge-offs (x) | 1.6443% | 5,266 |
| Efficiency ratio | 70.1620% | 4,320 |
| Assets per employee ($millions) | 3.4456% | 4,808 |
| Cash dividends to net income (ytd only)* | 114.8796% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 3,620 |
| Loan loss allowance to noncurrent loans | 315.3153% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 1.2633% | 3,697 |
| Noncurrent loans to loans | 0.4202% | 6,082 |
| Net loans and leases to total assets | 79.6351% | 1,743 |
| Net loans and leases to deposits | 90.0328% | 3,450 |
| Net loans and leases to core deposits | 104.2514% | 4,368 |
| Total domestic deposits to total assets | 88.4512% | 1,272 |
| Equity capital to assets | 8.9979% | 5,370 |
| Core capital (leverage) ratio | 8.6105% | 5,361 |
| Tier 1 risk-based capital ratio | 11.2082% | 5,533 |
| Total risk-based capital ratio | 12.4691% | 5,403 |
| Memoranda: | ||
| Average total assets | $130,425,200 | 4,273 |
| Average earning assets | $120,321,200 | 4,252 |
| Average equity | $11,120,200 | 5,093 |
| Average total loans | $106,291,400 | 3,784 |