Home > Cleveland State Bank > Performance and Condition Ratios
Cleveland State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 2,495 |
| Cost of funding earning assets | 1.5973% | 1,699 |
| Net interest margin | 3.1911% | 2,899 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.7306% | 1,664 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.3691% | 3,928 |
| Return on assets (ROA) | 0.2217% | 4,147 |
| Pretax return on assets | 0.5477% | 3,728 |
| Return on Equity (ROE) | 3.2000% | 3,991 |
| Retained earnings to average equity (ytd only) | 1.3152% | 3,755 |
| Net charge-offs to loans | 0.0091% | 2,320 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 787 |
| Efficiency ratio | 77.7585% | 1,086 |
| Assets per employee ($millions) | 6.2503% | 2,590 |
| Cash dividends to net income (ytd only)* | 58.9450% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,261 |
| Loan loss allowance to noncurrent loans | 770.5882% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 2,803 |
| Noncurrent loans to loans | 0.1566% | 2,735 |
| Net loans and leases to total assets | 69.7100% | 1,840 |
| Net loans and leases to deposits | 78.5695% | 2,221 |
| Net loans and leases to core deposits | 89.1444% | 2,108 |
| Total domestic deposits to total assets | 88.7200% | 1,149 |
| Equity capital to assets | 6.9651% | 3,956 |
| Core capital (leverage) ratio | 9.1696% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $196,658,000 | 3,007 |
| Average earning assets | $178,243,800 | 3,026 |
| Average equity | $13,610,000 | 3,376 |
| Average total loans | $132,133,600 | 2,843 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 2,488 |
| Cost of funding earning assets | 1.5394% | 1,508 |
| Net interest margin | 3.1519% | 3,022 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.7610% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5489% | 3,667 |
| Return on assets (ROA) | 0.4930% | 3,781 |
| Pretax return on assets | 0.6210% | 3,706 |
| Return on Equity (ROE) | 7.1300% | 3,394 |
| Retained earnings to average equity (ytd only) | 7.1347% | 2,238 |
| Net charge-offs to loans | 0.0113% | 1,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 92.3636% | 961 |
| Efficiency ratio | 79.9645% | 855 |
| Assets per employee ($millions) | 5.9270% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 2,027 |
| Loan loss allowance to noncurrent loans | 583.9041% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 2,576 |
| Noncurrent loans to loans | 0.2169% | 2,484 |
| Net loans and leases to total assets | 67.9600% | 2,043 |
| Net loans and leases to deposits | 77.1718% | 2,316 |
| Net loans and leases to core deposits | 87.8255% | 2,061 |
| Total domestic deposits to total assets | 88.0600% | 1,549 |
| Equity capital to assets | 6.6281% | 3,786 |
| Core capital (leverage) ratio | 9.5694% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $195,819,750 | 3,022 |
| Average earning assets | $176,860,500 | 3,042 |
| Average equity | $13,529,750 | 3,372 |
| Average total loans | $129,886,250 | 2,866 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5831% | 2,449 |
| Cost of funding earning assets | 1.4623% | 1,313 |
| Net interest margin | 3.1207% | 3,171 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.8587% | 1,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4578% | 3,898 |
| Return on assets (ROA) | 0.3675% | 4,075 |
| Pretax return on assets | 0.4308% | 4,071 |
| Return on Equity (ROE) | 5.2500% | 3,851 |
| Retained earnings to average equity (ytd only) | 5.2485% | 2,876 |
| Net charge-offs to loans | 0.0171% | 1,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 47.8182% | 1,309 |
| Efficiency ratio | 84.1852% | 586 |
| Assets per employee ($millions) | 5.8586% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 1,975 |
| Loan loss allowance to noncurrent loans | 710.4167% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 2,697 |
| Noncurrent loans to loans | 0.1815% | 2,569 |
| Net loans and leases to total assets | 65.5400% | 2,207 |
| Net loans and leases to deposits | 74.4556% | 2,447 |
| Net loans and leases to core deposits | 85.3979% | 2,117 |
| Total domestic deposits to total assets | 88.0200% | 1,593 |
| Equity capital to assets | 6.9245% | 3,831 |
| Core capital (leverage) ratio | 9.4504% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $195,896,000 | 3,030 |
| Average earning assets | $176,432,667 | 3,053 |
| Average equity | $13,718,333 | 3,379 |
| Average total loans | $128,305,667 | 2,870 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 2,346 |
| Cost of funding earning assets | 1.3211% | 1,184 |
| Net interest margin | 3.1665% | 3,195 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.9426% | 1,155 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3947% | 4,096 |
| Return on assets (ROA) | 0.1977% | 4,321 |
| Pretax return on assets | 0.2142% | 4,322 |
| Return on Equity (ROE) | 2.8100% | 4,207 |
| Retained earnings to average equity (ytd only) | 2.8068% | 3,548 |
| Net charge-offs to loans | 0.0348% | 1,030 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 18.9091% | 1,478 |
| Efficiency ratio | 87.2938% | 453 |
| Assets per employee ($millions) | 5.8989% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 1,999 |
| Loan loss allowance to noncurrent loans | 682.0000% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 2,634 |
| Noncurrent loans to loans | 0.1917% | 2,514 |
| Net loans and leases to total assets | 64.1900% | 2,233 |
| Net loans and leases to deposits | 72.4104% | 2,435 |
| Net loans and leases to core deposits | 84.6142% | 1,950 |
| Total domestic deposits to total assets | 88.6400% | 1,687 |
| Equity capital to assets | 7.0028% | 3,827 |
| Core capital (leverage) ratio | 9.3532% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $194,248,500 | 3,072 |
| Average earning assets | $174,706,500 | 3,104 |
| Average equity | $13,681,000 | 3,422 |
| Average total loans | $126,333,000 | 2,915 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9036% | 1,973 |
| Cost of funding earning assets | 0.4984% | 1,402 |
| Net interest margin | 3.4051% | 2,240 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.7672% | 1,392 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.7267% | 3,547 |
| Return on assets (ROA) | 0.7267% | 3,490 |
| Pretax return on assets | 0.9085% | 3,334 |
| Return on Equity (ROE) | 8.9600% | 3,141 |
| Retained earnings to average equity (ytd only) | 6.3832% | 2,501 |
| Net charge-offs to loans | -0.0328% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.6334% | 1,254 |
| Assets per employee ($millions) | 5.5275% | 3,187 |
| Cash dividends to net income (ytd only)* | 28.7982% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 1,491 |
| Loan loss allowance to noncurrent loans | 660.0000% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 2,562 |
| Noncurrent loans to loans | 0.2127% | 2,425 |
| Net loans and leases to total assets | 64.1200% | 2,230 |
| Net loans and leases to deposits | 76.2673% | 2,077 |
| Net loans and leases to core deposits | 81.0913% | 2,065 |
| Total domestic deposits to total assets | 84.0800% | 3,189 |
| Equity capital to assets | 7.0860% | 3,623 |
| Core capital (leverage) ratio | 9.7702% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $182,061,600 | 3,172 |
| Average earning assets | $164,515,800 | 3,206 |
| Average equity | $14,757,600 | 3,386 |
| Average total loans | $109,864,600 | 3,029 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8219% | 1,678 |
| Cost of funding earning assets | 0.4045% | 1,253 |
| Net interest margin | 3.4174% | 1,924 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.7398% | 1,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8328% | 3,121 |
| Return on assets (ROA) | 0.8328% | 3,091 |
| Pretax return on assets | 1.0535% | 2,864 |
| Return on Equity (ROE) | 9.9500% | 2,740 |
| Retained earnings to average equity (ytd only) | 9.9483% | 1,352 |
| Net charge-offs to loans | -0.0450% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.2265% | 1,484 |
| Assets per employee ($millions) | 5.5555% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 1,711 |
| Loan loss allowance to noncurrent loans | 580.0000% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 2,577 |
| Noncurrent loans to loans | 0.2363% | 2,444 |
| Net loans and leases to total assets | 61.4700% | 2,353 |
| Net loans and leases to deposits | 69.8161% | 2,379 |
| Net loans and leases to core deposits | 74.3449% | 2,324 |
| Total domestic deposits to total assets | 88.0400% | 2,423 |
| Equity capital to assets | 6.8892% | 3,572 |
| Core capital (leverage) ratio | 10.0538% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $180,593,250 | 3,202 |
| Average earning assets | $162,847,000 | 3,247 |
| Average equity | $15,117,750 | 3,397 |
| Average total loans | $106,773,500 | 3,073 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7008% | 1,539 |
| Cost of funding earning assets | 0.3445% | 1,320 |
| Net interest margin | 3.3563% | 1,735 |
| Noninterest income to average assets | 0.7469% | 1,178 |
| Noninterest expense to average assets | 2.7237% | 1,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8382% | 2,828 |
| Return on assets (ROA) | 0.8382% | 2,800 |
| Pretax return on assets | 1.0597% | 2,546 |
| Return on Equity (ROE) | 9.4438% | 2,546 |
| Retained earnings to average equity (ytd only) | 9.4438% | 1,156 |
| Net charge-offs to loans | -0.0422% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9918% | 1,729 |
| Assets per employee ($millions) | 5.9314% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 1,762 |
| Loan loss allowance to noncurrent loans | 552.3132% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 2,645 |
| Noncurrent loans to loans | 0.2531% | 2,465 |
| Net loans and leases to total assets | 59.5435% | 2,372 |
| Net loans and leases to deposits | 67.7447% | 2,406 |
| Net loans and leases to core deposits | 72.9482% | 2,242 |
| Total domestic deposits to total assets | 87.8939% | 2,616 |
| Equity capital to assets | 7.5971% | 3,408 |
| Core capital (leverage) ratio | 10.0199% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,681,000 | 3,245 |
| Average earning assets | $162,558,000 | 3,295 |
| Average equity | $15,947,000 | 3,409 |
| Average total loans | $104,280,667 | 3,130 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 1,428 |
| Cost of funding earning assets | 0.3204% | 1,457 |
| Net interest margin | 3.3083% | 1,547 |
| Noninterest income to average assets | 0.6374% | 1,537 |
| Noninterest expense to average assets | 2.7638% | 1,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6960% | 3,070 |
| Return on assets (ROA) | 0.6960% | 3,059 |
| Pretax return on assets | 0.8740% | 2,878 |
| Return on Equity (ROE) | 7.2981% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.2981% | 1,796 |
| Net charge-offs to loans | -0.0079% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9752% | 1,523 |
| Assets per employee ($millions) | 5.4116% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 1,570 |
| Loan loss allowance to noncurrent loans | 495.7929% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 2,580 |
| Noncurrent loans to loans | 0.3009% | 2,386 |
| Net loans and leases to total assets | 56.6431% | 2,460 |
| Net loans and leases to deposits | 68.5536% | 2,095 |
| Net loans and leases to core deposits | 71.2209% | 2,175 |
| Total domestic deposits to total assets | 82.6260% | 3,996 |
| Equity capital to assets | 8.7707% | 2,914 |
| Core capital (leverage) ratio | 10.1628% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,584,500 | 3,276 |
| Average earning assets | $161,050,500 | 3,316 |
| Average equity | $16,936,000 | 3,399 |
| Average total loans | $100,902,500 | 3,174 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 1,211 |
| Cost of funding earning assets | 0.3444% | 1,992 |
| Net interest margin | 3.7278% | 1,150 |
| Noninterest income to average assets | 1.2231% | 709 |
| Noninterest expense to average assets | 2.8001% | 1,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3284% | 1,525 |
| Return on assets (ROA) | 1.3284% | 1,561 |
| Pretax return on assets | 1.7377% | 1,048 |
| Return on Equity (ROE) | 12.7610% | 1,540 |
| Retained earnings to average equity (ytd only) | 9.2995% | 1,100 |
| Net charge-offs to loans | -0.0347% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7062% | 2,908 |
| Assets per employee ($millions) | 5.1844% | 3,567 |
| Cash dividends to net income (ytd only)* | 27.1253% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 1,412 |
| Loan loss allowance to noncurrent loans | 347.7273% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 2,322 |
| Noncurrent loans to loans | 0.4439% | 2,025 |
| Net loans and leases to total assets | 55.3634% | 2,700 |
| Net loans and leases to deposits | 64.9487% | 2,599 |
| Net loans and leases to core deposits | 67.5457% | 2,687 |
| Total domestic deposits to total assets | 85.2418% | 3,194 |
| Equity capital to assets | 10.1522% | 2,515 |
| Core capital (leverage) ratio | 9.9150% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,779,800 | 3,284 |
| Average earning assets | $152,745,400 | 3,351 |
| Average equity | $17,882,600 | 3,398 |
| Average total loans | $98,070,000 | 3,225 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2363% | 1,054 |
| Cost of funding earning assets | 0.3545% | 2,070 |
| Net interest margin | 3.8818% | 974 |
| Noninterest income to average assets | 1.4500% | 577 |
| Noninterest expense to average assets | 2.6399% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6922% | 842 |
| Return on assets (ROA) | 1.6922% | 886 |
| Pretax return on assets | 2.2321% | 514 |
| Return on Equity (ROE) | 16.1522% | 915 |
| Retained earnings to average equity (ytd only) | 16.1522% | 285 |
| Net charge-offs to loans | -0.0354% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1854% | 3,782 |
| Assets per employee ($millions) | 5.1113% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 1,382 |
| Loan loss allowance to noncurrent loans | 338.2222% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 2,476 |
| Noncurrent loans to loans | 0.4681% | 2,153 |
| Net loans and leases to total assets | 54.4431% | 2,921 |
| Net loans and leases to deposits | 64.4984% | 2,799 |
| Net loans and leases to core deposits | 67.0213% | 2,856 |
| Total domestic deposits to total assets | 84.4100% | 3,333 |
| Equity capital to assets | 10.7397% | 2,227 |
| Core capital (leverage) ratio | 10.5224% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,657,750 | 3,331 |
| Average earning assets | $150,441,250 | 3,409 |
| Average equity | $17,879,500 | 3,438 |
| Average total loans | $97,808,000 | 3,273 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 1,025 |
| Cost of funding earning assets | 0.3640% | 2,190 |
| Net interest margin | 3.9246% | 925 |
| Noninterest income to average assets | 1.8253% | 380 |
| Noninterest expense to average assets | 2.6448% | 1,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9751% | 505 |
| Return on assets (ROA) | 1.9751% | 536 |
| Pretax return on assets | 2.6259% | 293 |
| Return on Equity (ROE) | 19.0146% | 542 |
| Retained earnings to average equity (ytd only) | 19.0146% | 189 |
| Net charge-offs to loans | -0.0366% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1790% | 4,227 |
| Assets per employee ($millions) | 5.2363% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 1,581 |
| Loan loss allowance to noncurrent loans | 408.0863% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 2,864 |
| Noncurrent loans to loans | 0.3683% | 2,582 |
| Net loans and leases to total assets | 57.4124% | 2,735 |
| Net loans and leases to deposits | 68.4769% | 2,570 |
| Net loans and leases to core deposits | 71.1873% | 2,671 |
| Total domestic deposits to total assets | 83.8419% | 3,483 |
| Equity capital to assets | 10.6523% | 2,267 |
| Core capital (leverage) ratio | 10.2718% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,615,333 | 3,345 |
| Average earning assets | $148,908,000 | 3,432 |
| Average equity | $17,618,000 | 3,462 |
| Average total loans | $98,365,333 | 3,278 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 605 |
| Cost of funding earning assets | 0.3856% | 2,213 |
| Net interest margin | 4.2662% | 547 |
| Noninterest income to average assets | 2.1497% | 333 |
| Noninterest expense to average assets | 2.6211% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3949% | 316 |
| Return on assets (ROA) | 2.3949% | 344 |
| Pretax return on assets | 3.2162% | 187 |
| Return on Equity (ROE) | 23.3634% | 321 |
| Retained earnings to average equity (ytd only) | 23.3634% | 171 |
| Net charge-offs to loans | -0.0041% | 3,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9021% | 4,528 |
| Assets per employee ($millions) | 5.3825% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 1,501 |
| Loan loss allowance to noncurrent loans | 196.1992% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 2,059 |
| Noncurrent loans to loans | 0.7805% | 1,684 |
| Net loans and leases to total assets | 55.8891% | 3,052 |
| Net loans and leases to deposits | 65.8729% | 2,928 |
| Net loans and leases to core deposits | 67.9571% | 3,065 |
| Total domestic deposits to total assets | 84.8439% | 3,169 |
| Equity capital to assets | 10.0888% | 2,624 |
| Core capital (leverage) ratio | 10.3808% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,023,500 | 3,355 |
| Average earning assets | $145,235,500 | 3,462 |
| Average equity | $17,223,500 | 3,499 |
| Average total loans | $97,187,000 | 3,305 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 1,504 |
| Cost of funding earning assets | 0.5629% | 2,547 |
| Net interest margin | 3.8637% | 1,325 |
| Noninterest income to average assets | 2.0942% | 312 |
| Noninterest expense to average assets | 3.1244% | 1,186 |
| Loan and lease loss provision to assets | 0.1899% | 2,048 |
| Net operating income to assets | 1.6944% | 502 |
| Return on assets (ROA) | 1.6944% | 544 |
| Pretax return on assets | 2.2586% | 273 |
| Return on Equity (ROE) | 15.4080% | 580 |
| Retained earnings to average equity (ytd only) | 12.4193% | 283 |
| Net charge-offs to loans | -0.2022% | 4,898 |
| Credit loss provision to net charge-offs | -144.7368% | 3,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0649% | 3,981 |
| Assets per employee ($millions) | 5.1189% | 3,266 |
| Cash dividends to net income (ytd only)* | 19.3969% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5484% | 1,436 |
| Loan loss allowance to noncurrent loans | 52.6205% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.7356% | 369 |
| Noncurrent loans to loans | 2.9427% | 291 |
| Net loans and leases to total assets | 58.0669% | 3,082 |
| Net loans and leases to deposits | 69.9812% | 2,880 |
| Net loans and leases to core deposits | 72.2313% | 3,055 |
| Total domestic deposits to total assets | 82.9750% | 3,419 |
| Equity capital to assets | 10.4209% | 2,739 |
| Core capital (leverage) ratio | 13.3544% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,826,400 | 3,457 |
| Average earning assets | $130,394,200 | 3,501 |
| Average equity | $15,926,800 | 3,561 |
| Average total loans | $93,976,800 | 3,340 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4785% | 1,630 |
| Cost of funding earning assets | 0.6066% | 2,572 |
| Net interest margin | 3.8718% | 1,425 |
| Noninterest income to average assets | 2.1634% | 298 |
| Noninterest expense to average assets | 2.9791% | 1,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.0435% | 270 |
| Return on assets (ROA) | 2.0435% | 295 |
| Pretax return on assets | 2.7260% | 152 |
| Return on Equity (ROE) | 18.3019% | 337 |
| Retained earnings to average equity (ytd only) | 18.3019% | 107 |
| Net charge-offs to loans | -0.3172% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2189% | 4,325 |
| Assets per employee ($millions) | 4.7859% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 2,236 |
| Loan loss allowance to noncurrent loans | 43.3714% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.8864% | 379 |
| Noncurrent loans to loans | 2.9550% | 317 |
| Net loans and leases to total assets | 63.0190% | 2,885 |
| Net loans and leases to deposits | 77.6034% | 2,575 |
| Net loans and leases to core deposits | 80.3344% | 2,812 |
| Total domestic deposits to total assets | 81.2065% | 3,608 |
| Equity capital to assets | 11.2302% | 2,206 |
| Core capital (leverage) ratio | 11.2335% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,081,500 | 3,497 |
| Average earning assets | $128,136,000 | 3,514 |
| Average equity | $15,641,000 | 3,590 |
| Average total loans | $93,317,750 | 3,359 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6325% | 1,579 |
| Cost of funding earning assets | 0.6714% | 2,549 |
| Net interest margin | 3.9611% | 1,421 |
| Noninterest income to average assets | 1.9200% | 308 |
| Noninterest expense to average assets | 3.0576% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8655% | 435 |
| Return on assets (ROA) | 1.8655% | 479 |
| Pretax return on assets | 2.5139% | 211 |
| Return on Equity (ROE) | 16.7442% | 474 |
| Retained earnings to average equity (ytd only) | 16.7442% | 146 |
| Net charge-offs to loans | -0.4726% | 4,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8797% | 4,077 |
| Assets per employee ($millions) | 4.4906% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 2,115 |
| Loan loss allowance to noncurrent loans | 42.6375% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 2.0654% | 332 |
| Noncurrent loans to loans | 2.9968% | 322 |
| Net loans and leases to total assets | 67.1004% | 2,488 |
| Net loans and leases to deposits | 83.3949% | 2,056 |
| Net loans and leases to core deposits | 85.5632% | 2,479 |
| Total domestic deposits to total assets | 80.4611% | 3,738 |
| Equity capital to assets | 11.3398% | 2,094 |
| Core capital (leverage) ratio | 10.9277% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,725,667 | 3,534 |
| Average earning assets | $125,116,333 | 3,531 |
| Average equity | $15,121,667 | 3,643 |
| Average total loans | $91,835,000 | 3,375 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 2,563 |
| Cost of funding earning assets | 0.7586% | 2,616 |
| Net interest margin | 3.6579% | 2,485 |
| Noninterest income to average assets | 1.5637% | 365 |
| Noninterest expense to average assets | 3.1517% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3329% | 1,148 |
| Return on assets (ROA) | 1.3329% | 1,242 |
| Pretax return on assets | 1.7793% | 731 |
| Return on Equity (ROE) | 12.0812% | 1,080 |
| Retained earnings to average equity (ytd only) | 12.0812% | 417 |
| Net charge-offs to loans | -0.0405% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9163% | 3,245 |
| Assets per employee ($millions) | 4.4768% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,941 |
| Loan loss allowance to noncurrent loans | 66.2420% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.1995% | 1,038 |
| Noncurrent loans to loans | 1.7342% | 870 |
| Net loans and leases to total assets | 66.6354% | 2,744 |
| Net loans and leases to deposits | 82.8848% | 2,347 |
| Net loans and leases to core deposits | 87.5238% | 2,564 |
| Total domestic deposits to total assets | 80.3952% | 3,777 |
| Equity capital to assets | 10.8567% | 2,978 |
| Core capital (leverage) ratio | 10.9668% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,739,500 | 3,567 |
| Average earning assets | $121,271,000 | 3,563 |
| Average equity | $14,535,000 | 3,712 |
| Average total loans | $88,917,500 | 3,418 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7279% | 2,251 |
| Cost of funding earning assets | 0.8666% | 2,350 |
| Net interest margin | 3.8613% | 2,300 |
| Noninterest income to average assets | 1.2364% | 616 |
| Noninterest expense to average assets | 3.1663% | 1,603 |
| Loan and lease loss provision to assets | 0.0353% | 3,302 |
| Net operating income to assets | 1.2544% | 1,856 |
| Return on assets (ROA) | 1.2544% | 1,936 |
| Pretax return on assets | 1.6247% | 1,414 |
| Return on Equity (ROE) | 11.7809% | 1,589 |
| Retained earnings to average equity (ytd only) | 9.2538% | 655 |
| Net charge-offs to loans | 0.0107% | 3,307 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 235.1111% | 353 |
| Efficiency ratio | 65.6047% | 2,829 |
| Assets per employee ($millions) | 4.4543% | 3,294 |
| Cash dividends to net income (ytd only)* | 21.4509% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 2,532 |
| Loan loss allowance to noncurrent loans | 64.0199% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.2789% | 874 |
| Noncurrent loans to loans | 1.8465% | 726 |
| Net loans and leases to total assets | 66.7846% | 2,860 |
| Net loans and leases to deposits | 79.5451% | 2,826 |
| Net loans and leases to core deposits | 85.8706% | 2,798 |
| Total domestic deposits to total assets | 83.9582% | 2,857 |
| Equity capital to assets | 11.2166% | 2,799 |
| Core capital (leverage) ratio | 10.8332% | 2,653 |
| Tier 1 risk-based capital ratio | 12.5564% | 4,032 |
| Total risk-based capital ratio | 13.4840% | 4,096 |
| Memoranda: | ||
| Average total assets | $127,466,600 | 3,598 |
| Average earning assets | $118,509,200 | 3,580 |
| Average equity | $13,572,800 | 3,809 |
| Average total loans | $84,117,400 | 3,523 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 2,424 |
| Cost of funding earning assets | 0.8863% | 2,290 |
| Net interest margin | 3.8113% | 2,558 |
| Noninterest income to average assets | 1.1209% | 721 |
| Noninterest expense to average assets | 3.0656% | 1,787 |
| Loan and lease loss provision to assets | 0.0472% | 2,953 |
| Net operating income to assets | 1.1933% | 2,219 |
| Return on assets (ROA) | 1.1933% | 2,296 |
| Pretax return on assets | 1.5690% | 1,742 |
| Return on Equity (ROE) | 11.3608% | 1,863 |
| Retained earnings to average equity (ytd only) | 11.3608% | 463 |
| Net charge-offs to loans | 0.0288% | 2,520 |
| Credit loss provision to net charge-offs | 250.0000% | 1,092 |
| Earnings coverage of net charge-offs (x) | 85.5533% | 824 |
| Efficiency ratio | 65.4786% | 2,796 |
| Assets per employee ($millions) | 4.4854% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 2,541 |
| Loan loss allowance to noncurrent loans | 84.5327% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.9610% | 1,402 |
| Noncurrent loans to loans | 1.4124% | 1,077 |
| Net loans and leases to total assets | 65.0192% | 3,174 |
| Net loans and leases to deposits | 76.2397% | 3,270 |
| Net loans and leases to core deposits | 84.2590% | 3,071 |
| Total domestic deposits to total assets | 85.2826% | 2,307 |
| Equity capital to assets | 11.0681% | 3,042 |
| Core capital (leverage) ratio | 10.7223% | 2,916 |
| Tier 1 risk-based capital ratio | 13.2966% | 3,690 |
| Total risk-based capital ratio | 14.2776% | 3,736 |
| Memoranda: | ||
| Average total assets | $127,039,500 | 3,641 |
| Average earning assets | $118,697,750 | 3,612 |
| Average equity | $13,343,750 | 3,879 |
| Average total loans | $83,321,500 | 3,572 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 2,450 |
| Cost of funding earning assets | 0.8892% | 2,203 |
| Net interest margin | 3.7807% | 2,644 |
| Noninterest income to average assets | 0.8268% | 1,260 |
| Noninterest expense to average assets | 3.0866% | 1,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9934% | 2,948 |
| Return on assets (ROA) | 0.9934% | 3,013 |
| Pretax return on assets | 1.2759% | 2,650 |
| Return on Equity (ROE) | 9.6362% | 2,567 |
| Retained earnings to average equity (ytd only) | 9.6362% | 867 |
| Net charge-offs to loans | -0.0412% | 4,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7530% | 2,109 |
| Assets per employee ($millions) | 4.6050% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 2,631 |
| Loan loss allowance to noncurrent loans | 91.4105% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.8896% | 1,573 |
| Noncurrent loans to loans | 1.2896% | 1,223 |
| Net loans and leases to total assets | 65.7270% | 3,147 |
| Net loans and leases to deposits | 77.8228% | 3,162 |
| Net loans and leases to core deposits | 88.2545% | 2,775 |
| Total domestic deposits to total assets | 84.4572% | 2,702 |
| Equity capital to assets | 10.6894% | 3,350 |
| Core capital (leverage) ratio | 10.4548% | 3,139 |
| Tier 1 risk-based capital ratio | 13.4275% | 3,619 |
| Total risk-based capital ratio | 14.4450% | 3,644 |
| Memoranda: | ||
| Average total assets | $126,027,000 | 3,675 |
| Average earning assets | $117,860,330 | 3,651 |
| Average equity | $12,992,670 | 3,937 |
| Average total loans | $82,563,000 | 3,605 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 2,472 |
| Cost of funding earning assets | 0.8316% | 2,362 |
| Net interest margin | 3.7866% | 2,578 |
| Noninterest income to average assets | 0.7129% | 1,565 |
| Noninterest expense to average assets | 3.0505% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9376% | 3,103 |
| Return on assets (ROA) | 0.9376% | 3,145 |
| Pretax return on assets | 1.2009% | 2,799 |
| Return on Equity (ROE) | 9.2717% | 2,683 |
| Retained earnings to average equity (ytd only) | 9.2717% | 1,231 |
| Net charge-offs to loans | -0.0346% | 4,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7523% | 2,070 |
| Assets per employee ($millions) | 4.5269% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 2,562 |
| Loan loss allowance to noncurrent loans | 113.3484% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.9585% | 1,465 |
| Noncurrent loans to loans | 1.0606% | 1,573 |
| Net loans and leases to total assets | 64.9676% | 3,172 |
| Net loans and leases to deposits | 80.2051% | 2,818 |
| Net loans and leases to core deposits | 89.5108% | 2,551 |
| Total domestic deposits to total assets | 81.0018% | 3,968 |
| Equity capital to assets | 10.2277% | 3,594 |
| Core capital (leverage) ratio | 10.5903% | 2,953 |
| Tier 1 risk-based capital ratio | 13.7286% | 3,478 |
| Total risk-based capital ratio | 14.7862% | 3,501 |
| Memoranda: | ||
| Average total assets | $124,570,000 | 3,726 |
| Average earning assets | $116,409,000 | 3,706 |
| Average equity | $12,597,500 | 3,996 |
| Average total loans | $80,964,500 | 3,671 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 2,484 |
| Cost of funding earning assets | 0.6202% | 2,586 |
| Net interest margin | 3.8709% | 2,425 |
| Noninterest income to average assets | 0.8931% | 1,191 |
| Noninterest expense to average assets | 3.4122% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8282% | 3,700 |
| Return on assets (ROA) | 0.8282% | 3,699 |
| Pretax return on assets | 1.0491% | 3,445 |
| Return on Equity (ROE) | 8.0374% | 3,420 |
| Retained earnings to average equity (ytd only) | 5.6749% | 2,369 |
| Net charge-offs to loans | 0.0906% | 1,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 17.8088% | 2,171 |
| Efficiency ratio | 76.4854% | 1,293 |
| Assets per employee ($millions) | 4.2202% | 3,585 |
| Cash dividends to net income (ytd only)* | 29.3933% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 2,217 |
| Loan loss allowance to noncurrent loans | 112.8118% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.9911% | 1,383 |
| Noncurrent loans to loans | 1.1225% | 1,440 |
| Net loans and leases to total assets | 63.3921% | 3,417 |
| Net loans and leases to deposits | 75.5000% | 3,386 |
| Net loans and leases to core deposits | 85.5164% | 2,951 |
| Total domestic deposits to total assets | 83.9630% | 3,008 |
| Equity capital to assets | 9.9938% | 3,689 |
| Core capital (leverage) ratio | 10.7391% | 2,802 |
| Tier 1 risk-based capital ratio | 13.8801% | 3,341 |
| Total risk-based capital ratio | 14.9688% | 3,354 |
| Memoranda: | ||
| Average total assets | $115,437,200 | 3,862 |
| Average earning assets | $106,410,600 | 3,869 |
| Average equity | $11,894,400 | 4,042 |
| Average total loans | $75,035,800 | 3,773 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4729% | 2,389 |
| Cost of funding earning assets | 0.5711% | 2,699 |
| Net interest margin | 3.9018% | 2,294 |
| Noninterest income to average assets | 0.8760% | 1,261 |
| Noninterest expense to average assets | 3.4769% | 1,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7997% | 3,900 |
| Return on assets (ROA) | 0.7997% | 3,907 |
| Pretax return on assets | 0.9885% | 3,752 |
| Return on Equity (ROE) | 7.6993% | 3,665 |
| Retained earnings to average equity (ytd only) | 7.6993% | 1,793 |
| Net charge-offs to loans | 0.0971% | 1,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 15.6107% | 2,208 |
| Efficiency ratio | 77.8624% | 1,134 |
| Assets per employee ($millions) | 3.9514% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 1,971 |
| Loan loss allowance to noncurrent loans | 157.9030% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.8596% | 1,720 |
| Noncurrent loans to loans | 0.8413% | 2,021 |
| Net loans and leases to total assets | 65.4030% | 3,258 |
| Net loans and leases to deposits | 78.0200% | 3,233 |
| Net loans and leases to core deposits | 85.8193% | 3,006 |
| Total domestic deposits to total assets | 83.8286% | 3,003 |
| Equity capital to assets | 10.3970% | 3,238 |
| Core capital (leverage) ratio | 11.0401% | 2,541 |
| Tier 1 risk-based capital ratio | 16.9927% | 2,111 |
| Total risk-based capital ratio | 18.2432% | 2,059 |
| Memoranda: | ||
| Average total assets | $113,700,000 | 3,929 |
| Average earning assets | $104,597,750 | 3,946 |
| Average equity | $11,810,250 | 4,092 |
| Average total loans | $74,150,250 | 3,824 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4105% | 2,377 |
| Cost of funding earning assets | 0.5307% | 2,760 |
| Net interest margin | 3.8798% | 2,278 |
| Noninterest income to average assets | 0.8254% | 1,403 |
| Noninterest expense to average assets | 3.4955% | 1,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7390% | 4,072 |
| Return on assets (ROA) | 0.7390% | 4,073 |
| Pretax return on assets | 0.9012% | 3,963 |
| Return on Equity (ROE) | 7.1164% | 3,871 |
| Retained earnings to average equity (ytd only) | 7.1164% | 2,023 |
| Net charge-offs to loans | 0.1822% | 861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 7.6269% | 2,533 |
| Efficiency ratio | 79.5026% | 1,070 |
| Assets per employee ($millions) | 3.8960% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,194 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.8641% | 1,728 |
| Noncurrent loans to loans | 0.8631% | 1,999 |
| Net loans and leases to total assets | 64.9652% | 3,282 |
| Net loans and leases to deposits | 78.4697% | 3,110 |
| Net loans and leases to core deposits | 85.2718% | 2,986 |
| Total domestic deposits to total assets | 82.7902% | 3,472 |
| Equity capital to assets | 10.1274% | 3,510 |
| Core capital (leverage) ratio | 10.9565% | 2,566 |
| Tier 1 risk-based capital ratio | 16.3720% | 2,303 |
| Total risk-based capital ratio | 17.6221% | 2,247 |
| Memoranda: | ||
| Average total assets | $113,403,000 | 3,959 |
| Average earning assets | $104,386,670 | 3,977 |
| Average equity | $11,775,670 | 4,122 |
| Average total loans | $73,548,670 | 3,858 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 2,353 |
| Cost of funding earning assets | 0.4928% | 2,850 |
| Net interest margin | 3.8572% | 2,205 |
| Noninterest income to average assets | 0.8776% | 1,211 |
| Noninterest expense to average assets | 3.5320% | 945 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6949% | 4,115 |
| Return on assets (ROA) | 0.6949% | 4,123 |
| Pretax return on assets | 0.9063% | 3,827 |
| Return on Equity (ROE) | 6.6071% | 3,944 |
| Retained earnings to average equity (ytd only) | 6.6071% | 2,452 |
| Net charge-offs to loans | -0.0390% | 4,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5803% | 1,191 |
| Assets per employee ($millions) | 3.7804% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 1,399 |
| Loan loss allowance to noncurrent loans | 106.4612% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.9550% | 1,659 |
| Noncurrent loans to loans | 1.4258% | 1,244 |
| Net loans and leases to total assets | 63.3808% | 3,386 |
| Net loans and leases to deposits | 73.9950% | 3,417 |
| Net loans and leases to core deposits | 80.6212% | 3,274 |
| Total domestic deposits to total assets | 85.6555% | 2,691 |
| Equity capital to assets | 10.6667% | 2,900 |
| Core capital (leverage) ratio | 9.8055% | 3,752 |
| Tier 1 risk-based capital ratio | 15.7794% | 2,561 |
| Total risk-based capital ratio | 17.0331% | 2,512 |
| Memoranda: | ||
| Average total assets | $111,664,000 | 4,034 |
| Average earning assets | $103,079,500 | 4,044 |
| Average equity | $11,745,000 | 4,162 |
| Average total loans | $71,859,000 | 3,931 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 2,384 |
| Cost of funding earning assets | 0.4275% | 2,974 |
| Net interest margin | 3.8564% | 2,234 |
| Noninterest income to average assets | 0.8289% | 1,469 |
| Noninterest expense to average assets | 3.0726% | 1,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8368% | 3,005 |
| Return on assets (ROA) | 0.7110% | 3,604 |
| Pretax return on assets | 1.0944% | 3,210 |
| Return on Equity (ROE) | 6.7822% | 3,390 |
| Retained earnings to average equity (ytd only) | 4.3698% | 2,535 |
| Net charge-offs to loans | 0.0014% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1,431.0000% | 52 |
| Efficiency ratio | 70.4644% | 2,478 |
| Assets per employee ($millions) | 3.9206% | 4,086 |
| Cash dividends to net income (ytd only)* | 35.5696% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 1,571 |
| Loan loss allowance to noncurrent loans | 107.5911% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.9050% | 1,717 |
| Noncurrent loans to loans | 1.3504% | 1,295 |
| Net loans and leases to total assets | 63.4133% | 3,434 |
| Net loans and leases to deposits | 74.4086% | 3,489 |
| Net loans and leases to core deposits | 80.8312% | 3,351 |
| Total domestic deposits to total assets | 85.2230% | 2,748 |
| Equity capital to assets | 10.3749% | 3,303 |
| Core capital (leverage) ratio | 10.7691% | 2,569 |
| Tier 1 risk-based capital ratio | 16.8391% | 2,146 |
| Total risk-based capital ratio | 18.0925% | 2,094 |
| Memoranda: | ||
| Average total assets | $111,111,600 | 4,039 |
| Average earning assets | $101,753,600 | 4,065 |
| Average equity | $11,648,200 | 4,196 |
| Average total loans | $70,083,600 | 3,958 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2136% | 2,561 |
| Cost of funding earning assets | 0.4165% | 3,025 |
| Net interest margin | 3.7971% | 2,412 |
| Noninterest income to average assets | 0.8461% | 1,432 |
| Noninterest expense to average assets | 3.2178% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8190% | 3,443 |
| Return on assets (ROA) | 0.7592% | 3,755 |
| Pretax return on assets | 1.0247% | 3,588 |
| Return on Equity (ROE) | 7.2227% | 3,536 |
| Retained earnings to average equity (ytd only) | 7.2227% | 1,581 |
| Net charge-offs to loans | -0.0346% | 5,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4277% | 1,824 |
| Assets per employee ($millions) | 4.1653% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 1,583 |
| Loan loss allowance to noncurrent loans | 51.5238% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.8673% | 723 |
| Noncurrent loans to loans | 2.8863% | 459 |
| Net loans and leases to total assets | 63.7330% | 3,445 |
| Net loans and leases to deposits | 74.0095% | 3,564 |
| Net loans and leases to core deposits | 80.0867% | 3,449 |
| Total domestic deposits to total assets | 86.1145% | 2,261 |
| Equity capital to assets | 10.7271% | 3,139 |
| Core capital (leverage) ratio | 11.1030% | 2,367 |
| Tier 1 risk-based capital ratio | 16.9771% | 2,163 |
| Total risk-based capital ratio | 18.2311% | 2,116 |
| Memoranda: | ||
| Average total assets | $110,465,250 | 4,101 |
| Average earning assets | $101,162,750 | 4,117 |
| Average equity | $11,611,250 | 4,245 |
| Average total loans | $69,314,000 | 4,009 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 2,526 |
| Cost of funding earning assets | 0.4062% | 3,012 |
| Net interest margin | 3.7795% | 2,360 |
| Noninterest income to average assets | 0.8561% | 1,401 |
| Noninterest expense to average assets | 3.2951% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7056% | 3,825 |
| Return on assets (ROA) | 0.6867% | 3,967 |
| Pretax return on assets | 0.9909% | 3,601 |
| Return on Equity (ROE) | 6.5792% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.5792% | 1,800 |
| Net charge-offs to loans | -0.0352% | 5,027 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3936% | 1,658 |
| Assets per employee ($millions) | 3.9210% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 1,397 |
| Loan loss allowance to noncurrent loans | 57.9968% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.6915% | 856 |
| Noncurrent loans to loans | 2.6734% | 528 |
| Net loans and leases to total assets | 62.2888% | 3,595 |
| Net loans and leases to deposits | 74.4707% | 3,495 |
| Net loans and leases to core deposits | 80.6142% | 3,371 |
| Total domestic deposits to total assets | 83.6420% | 3,346 |
| Equity capital to assets | 10.8055% | 3,028 |
| Core capital (leverage) ratio | 10.9314% | 2,478 |
| Tier 1 risk-based capital ratio | 17.0135% | 2,152 |
| Total risk-based capital ratio | 18.2668% | 2,106 |
| Memoranda: | ||
| Average total assets | $109,799,330 | 4,133 |
| Average earning assets | $100,437,000 | 4,157 |
| Average equity | $11,460,330 | 4,281 |
| Average total loans | $68,166,000 | 4,056 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 2,357 |
| Cost of funding earning assets | 0.4011% | 2,985 |
| Net interest margin | 3.7745% | 2,202 |
| Noninterest income to average assets | 0.7941% | 1,574 |
| Noninterest expense to average assets | 3.2822% | 1,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7103% | 3,660 |
| Return on assets (ROA) | 0.7103% | 3,701 |
| Pretax return on assets | 0.9398% | 3,626 |
| Return on Equity (ROE) | 6.9278% | 3,433 |
| Retained earnings to average equity (ytd only) | 6.9278% | 1,876 |
| Net charge-offs to loans | -0.0355% | 5,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7394% | 1,667 |
| Assets per employee ($millions) | 3.9109% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 1,395 |
| Loan loss allowance to noncurrent loans | 65.8057% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.4849% | 1,090 |
| Noncurrent loans to loans | 2.4243% | 660 |
| Net loans and leases to total assets | 60.2718% | 3,759 |
| Net loans and leases to deposits | 70.0786% | 3,788 |
| Net loans and leases to core deposits | 73.9736% | 3,832 |
| Total domestic deposits to total assets | 86.0060% | 2,658 |
| Equity capital to assets | 10.4307% | 3,258 |
| Core capital (leverage) ratio | 10.6427% | 2,751 |
| Tier 1 risk-based capital ratio | 16.9647% | 2,190 |
| Total risk-based capital ratio | 18.2179% | 2,145 |
| Memoranda: | ||
| Average total assets | $109,805,500 | 4,178 |
| Average earning assets | $99,722,500 | 4,206 |
| Average equity | $11,259,000 | 4,343 |
| Average total loans | $67,518,000 | 4,103 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 2,724 |
| Cost of funding earning assets | 0.4278% | 2,727 |
| Net interest margin | 3.7050% | 2,672 |
| Noninterest income to average assets | 1.1852% | 803 |
| Noninterest expense to average assets | 3.7354% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6440% | 4,025 |
| Return on assets (ROA) | 0.6440% | 4,132 |
| Pretax return on assets | 0.8127% | 4,155 |
| Return on Equity (ROE) | 5.9968% | 3,983 |
| Retained earnings to average equity (ytd only) | 3.5981% | 3,366 |
| Net charge-offs to loans | -0.0612% | 5,452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1312% | 1,190 |
| Assets per employee ($millions) | 3.9324% | 4,092 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 1,452 |
| Loan loss allowance to noncurrent loans | 41.7910% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 2.3123% | 538 |
| Noncurrent loans to loans | 3.7460% | 299 |
| Net loans and leases to total assets | 60.7609% | 3,767 |
| Net loans and leases to deposits | 69.7935% | 3,925 |
| Net loans and leases to core deposits | 74.5061% | 3,878 |
| Total domestic deposits to total assets | 87.0580% | 2,114 |
| Equity capital to assets | 10.0775% | 3,635 |
| Core capital (leverage) ratio | 10.7464% | 2,601 |
| Tier 1 risk-based capital ratio | 17.8064% | 1,905 |
| Total risk-based capital ratio | 19.0605% | 1,863 |
| Memoranda: | ||
| Average total assets | $107,914,000 | 4,210 |
| Average earning assets | $97,948,400 | 4,240 |
| Average equity | $11,589,600 | 4,319 |
| Average total loans | $63,748,000 | 4,185 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 2,723 |
| Cost of funding earning assets | 0.4382% | 2,656 |
| Net interest margin | 3.7004% | 2,716 |
| Noninterest income to average assets | 1.0543% | 1,020 |
| Noninterest expense to average assets | 3.2660% | 1,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8730% | 3,041 |
| Return on assets (ROA) | 0.8730% | 3,164 |
| Pretax return on assets | 1.1437% | 3,071 |
| Return on Equity (ROE) | 8.0023% | 3,003 |
| Retained earnings to average equity (ytd only) | 8.0023% | 1,172 |
| Net charge-offs to loans | -0.0681% | 5,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0636% | 2,275 |
| Assets per employee ($millions) | 3.6759% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 1,327 |
| Loan loss allowance to noncurrent loans | 85.3796% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.1613% | 1,726 |
| Noncurrent loans to loans | 1.9325% | 1,028 |
| Net loans and leases to total assets | 59.1036% | 3,985 |
| Net loans and leases to deposits | 67.5925% | 4,193 |
| Net loans and leases to core deposits | 72.0436% | 4,159 |
| Total domestic deposits to total assets | 87.4410% | 1,696 |
| Equity capital to assets | 11.4127% | 2,586 |
| Core capital (leverage) ratio | 11.0098% | 2,440 |
| Tier 1 risk-based capital ratio | 16.7662% | 2,315 |
| Total risk-based capital ratio | 18.0193% | 2,262 |
| Memoranda: | ||
| Average total assets | $107,365,750 | 4,248 |
| Average earning assets | $97,356,000 | 4,285 |
| Average equity | $11,713,000 | 4,335 |
| Average total loans | $62,693,500 | 4,234 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 2,686 |
| Cost of funding earning assets | 0.4509% | 2,556 |
| Net interest margin | 3.6959% | 2,711 |
| Noninterest income to average assets | 0.9032% | 1,365 |
| Noninterest expense to average assets | 3.2559% | 1,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7601% | 3,507 |
| Return on assets (ROA) | 0.7601% | 3,646 |
| Pretax return on assets | 0.9831% | 3,647 |
| Return on Equity (ROE) | 7.0749% | 3,498 |
| Retained earnings to average equity (ytd only) | 7.0749% | 1,566 |
| Net charge-offs to loans | -0.0675% | 5,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8084% | 1,961 |
| Assets per employee ($millions) | 3.6463% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6545% | 1,389 |
| Loan loss allowance to noncurrent loans | 163.9498% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 3,214 |
| Noncurrent loans to loans | 1.0092% | 2,270 |
| Net loans and leases to total assets | 58.7967% | 4,039 |
| Net loans and leases to deposits | 68.3028% | 4,154 |
| Net loans and leases to core deposits | 72.9117% | 4,092 |
| Total domestic deposits to total assets | 86.0824% | 2,380 |
| Equity capital to assets | 11.2820% | 2,763 |
| Core capital (leverage) ratio | 10.8134% | 2,633 |
| Tier 1 risk-based capital ratio | 17.0833% | 2,186 |
| Total risk-based capital ratio | 18.3377% | 2,145 |
| Memoranda: | ||
| Average total assets | $107,620,670 | 4,275 |
| Average earning assets | $97,135,330 | 4,324 |
| Average equity | $11,562,000 | 4,390 |
| Average total loans | $62,237,330 | 4,279 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 2,628 |
| Cost of funding earning assets | 0.4729% | 2,342 |
| Net interest margin | 3.6848% | 2,732 |
| Noninterest income to average assets | 0.7922% | 1,649 |
| Noninterest expense to average assets | 3.1540% | 1,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7606% | 3,434 |
| Return on assets (ROA) | 0.7517% | 3,583 |
| Pretax return on assets | 0.9285% | 3,736 |
| Return on Equity (ROE) | 7.1717% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.1717% | 1,808 |
| Net charge-offs to loans | -0.0453% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0477% | 2,039 |
| Assets per employee ($millions) | 3.6944% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 1,445 |
| Loan loss allowance to noncurrent loans | 94.4190% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.0202% | 2,166 |
| Noncurrent loans to loans | 1.7624% | 1,259 |
| Net loans and leases to total assets | 56.9232% | 4,152 |
| Net loans and leases to deposits | 64.9192% | 4,348 |
| Net loans and leases to core deposits | 69.1541% | 4,302 |
| Total domestic deposits to total assets | 87.6833% | 1,812 |
| Equity capital to assets | 10.7925% | 3,169 |
| Core capital (leverage) ratio | 10.4694% | 3,005 |
| Tier 1 risk-based capital ratio | 17.0540% | 2,268 |
| Total risk-based capital ratio | 18.3065% | 2,229 |
| Memoranda: | ||
| Average total assets | $108,559,000 | 4,290 |
| Average earning assets | $97,265,500 | 4,353 |
| Average equity | $11,378,000 | 4,434 |
| Average total loans | $61,746,000 | 4,319 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1537% | 2,725 |
| Cost of funding earning assets | 0.4746% | 2,402 |
| Net interest margin | 3.6791% | 2,835 |
| Noninterest income to average assets | 0.8585% | 1,577 |
| Noninterest expense to average assets | 3.0603% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8089% | 3,305 |
| Return on assets (ROA) | 0.8096% | 3,376 |
| Pretax return on assets | 1.1047% | 3,030 |
| Return on Equity (ROE) | 7.6565% | 3,156 |
| Retained earnings to average equity (ytd only) | 5.1375% | 2,323 |
| Net charge-offs to loans | 0.0430% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 44.3077% | 1,085 |
| Efficiency ratio | 73.4929% | 2,656 |
| Assets per employee ($millions) | 3.9278% | 4,069 |
| Cash dividends to net income (ytd only)* | 32.8994% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 1,426 |
| Loan loss allowance to noncurrent loans | 69.3505% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 1,568 |
| Noncurrent loans to loans | 2.4043% | 786 |
| Net loans and leases to total assets | 54.9632% | 4,397 |
| Net loans and leases to deposits | 61.7825% | 4,647 |
| Net loans and leases to core deposits | 65.6074% | 4,623 |
| Total domestic deposits to total assets | 88.9624% | 1,134 |
| Equity capital to assets | 10.1774% | 3,775 |
| Core capital (leverage) ratio | 10.5084% | 2,919 |
| Tier 1 risk-based capital ratio | 17.4282% | 2,146 |
| Total risk-based capital ratio | 18.6814% | 2,101 |
| Memoranda: | ||
| Average total assets | $104,370,400 | 4,374 |
| Average earning assets | $93,772,800 | 4,435 |
| Average equity | $11,036,400 | 4,473 |
| Average total loans | $60,481,000 | 4,367 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 2,662 |
| Cost of funding earning assets | 0.4801% | 2,406 |
| Net interest margin | 3.6950% | 2,794 |
| Noninterest income to average assets | 0.9893% | 1,210 |
| Noninterest expense to average assets | 3.0624% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9178% | 2,878 |
| Return on assets (ROA) | 0.9207% | 2,947 |
| Pretax return on assets | 1.2690% | 2,515 |
| Return on Equity (ROE) | 8.6202% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.6202% | 1,030 |
| Net charge-offs to loans | 0.0775% | 2,452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 27.9115% | 1,565 |
| Efficiency ratio | 70.7660% | 3,083 |
| Assets per employee ($millions) | 4.1299% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 1,550 |
| Loan loss allowance to noncurrent loans | 72.9885% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.3482% | 1,727 |
| Noncurrent loans to loans | 2.2898% | 937 |
| Net loans and leases to total assets | 57.8956% | 4,155 |
| Net loans and leases to deposits | 66.5798% | 4,323 |
| Net loans and leases to core deposits | 70.8087% | 4,294 |
| Total domestic deposits to total assets | 86.9566% | 2,066 |
| Equity capital to assets | 10.9910% | 3,038 |
| Core capital (leverage) ratio | 10.8372% | 2,660 |
| Tier 1 risk-based capital ratio | 17.5433% | 2,173 |
| Total risk-based capital ratio | 18.7965% | 2,131 |
| Memoranda: | ||
| Average total assets | $102,968,250 | 4,451 |
| Average earning assets | $93,025,500 | 4,499 |
| Average equity | $10,997,250 | 4,531 |
| Average total loans | $60,233,000 | 4,419 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1730% | 2,639 |
| Cost of funding earning assets | 0.4886% | 2,365 |
| Net interest margin | 3.6843% | 2,777 |
| Noninterest income to average assets | 0.9526% | 1,293 |
| Noninterest expense to average assets | 2.9998% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9710% | 2,532 |
| Return on assets (ROA) | 0.9740% | 2,628 |
| Pretax return on assets | 1.2695% | 2,472 |
| Return on Equity (ROE) | 9.2093% | 2,430 |
| Retained earnings to average equity (ytd only) | 9.2093% | 855 |
| Net charge-offs to loans | 0.1299% | 1,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.6923% | 1,895 |
| Efficiency ratio | 70.3282% | 3,279 |
| Assets per employee ($millions) | 4.1395% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 1,684 |
| Loan loss allowance to noncurrent loans | 69.4578% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.4079% | 1,782 |
| Noncurrent loans to loans | 2.4045% | 948 |
| Net loans and leases to total assets | 57.5738% | 4,161 |
| Net loans and leases to deposits | 65.1853% | 4,416 |
| Net loans and leases to core deposits | 69.2452% | 4,390 |
| Total domestic deposits to total assets | 88.3233% | 1,483 |
| Equity capital to assets | 10.6524% | 3,268 |
| Core capital (leverage) ratio | 10.6416% | 2,803 |
| Tier 1 risk-based capital ratio | 18.0419% | 2,054 |
| Total risk-based capital ratio | 19.2962% | 2,006 |
| Memoranda: | ||
| Average total assets | $102,875,000 | 4,495 |
| Average earning assets | $92,500,000 | 4,544 |
| Average equity | $10,880,330 | 4,585 |
| Average total loans | $60,046,670 | 4,461 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 2,675 |
| Cost of funding earning assets | 0.4941% | 2,339 |
| Net interest margin | 3.6453% | 2,830 |
| Noninterest income to average assets | 0.8619% | 1,525 |
| Noninterest expense to average assets | 3.0185% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9179% | 2,659 |
| Return on assets (ROA) | 0.9243% | 2,755 |
| Pretax return on assets | 1.1310% | 2,944 |
| Return on Equity (ROE) | 8.7709% | 2,564 |
| Retained earnings to average equity (ytd only) | 8.7709% | 1,278 |
| Net charge-offs to loans | -0.0402% | 5,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8814% | 3,012 |
| Assets per employee ($millions) | 4.0644% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 1,563 |
| Loan loss allowance to noncurrent loans | 82.7074% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.2578% | 2,123 |
| Noncurrent loans to loans | 2.1392% | 1,196 |
| Net loans and leases to total assets | 57.7557% | 3,983 |
| Net loans and leases to deposits | 66.1933% | 4,135 |
| Net loans and leases to core deposits | 70.4493% | 4,108 |
| Total domestic deposits to total assets | 87.2531% | 2,235 |
| Equity capital to assets | 10.7786% | 3,222 |
| Core capital (leverage) ratio | 10.2468% | 3,285 |
| Tier 1 risk-based capital ratio | 16.8131% | 2,551 |
| Total risk-based capital ratio | 18.0683% | 2,508 |
| Memoranda: | ||
| Average total assets | $102,568,500 | 4,540 |
| Average earning assets | $92,283,000 | 4,587 |
| Average equity | $10,808,500 | 4,641 |
| Average total loans | $59,773,000 | 4,497 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 2,415 |
| Cost of funding earning assets | 0.4753% | 2,931 |
| Net interest margin | 3.8734% | 2,342 |
| Noninterest income to average assets | 0.8540% | 1,664 |
| Noninterest expense to average assets | 2.7531% | 3,663 |
| Loan and lease loss provision to assets | 0.2599% | 859 |
| Net operating income to assets | 0.9398% | 2,674 |
| Return on assets (ROA) | 0.9971% | 2,474 |
| Pretax return on assets | 1.2993% | 2,244 |
| Return on Equity (ROE) | 10.3862% | 1,960 |
| Retained earnings to average equity (ytd only) | 7.6597% | 1,135 |
| Net charge-offs to loans | 0.8688% | 377 |
| Credit loss provision to net charge-offs | 55.3106% | 3,372 |
| Earnings coverage of net charge-offs (x) | 3.1603% | 3,963 |
| Efficiency ratio | 64.9633% | 4,408 |
| Assets per employee ($millions) | 3.9865% | 3,984 |
| Cash dividends to net income (ytd only)* | 26.2512% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 2,835 |
| Loan loss allowance to noncurrent loans | 59.0972% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 1.3893% | 2,007 |
| Noncurrent loans to loans | 2.4079% | 1,073 |
| Net loans and leases to total assets | 56.8781% | 4,217 |
| Net loans and leases to deposits | 64.1407% | 4,512 |
| Net loans and leases to core deposits | 68.1364% | 4,492 |
| Total domestic deposits to total assets | 88.6771% | 1,421 |
| Equity capital to assets | 10.4054% | 3,604 |
| Core capital (leverage) ratio | 10.0866% | 3,454 |
| Tier 1 risk-based capital ratio | 17.3728% | 2,367 |
| Total risk-based capital ratio | 18.6238% | 2,327 |
| Memoranda: | ||
| Average total assets | $106,208,800 | 4,451 |
| Average earning assets | $92,786,200 | 4,587 |
| Average equity | $10,196,200 | 4,712 |
| Average total loans | $57,435,000 | 4,570 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3676% | 2,357 |
| Cost of funding earning assets | 0.4726% | 3,031 |
| Net interest margin | 3.8950% | 2,266 |
| Noninterest income to average assets | 0.8173% | 1,825 |
| Noninterest expense to average assets | 2.7140% | 3,778 |
| Loan and lease loss provision to assets | 0.2945% | 671 |
| Net operating income to assets | 0.9903% | 2,499 |
| Return on assets (ROA) | 0.9883% | 2,571 |
| Pretax return on assets | 1.2004% | 2,777 |
| Return on Equity (ROE) | 10.5082% | 1,996 |
| Retained earnings to average equity (ytd only) | 10.5082% | 594 |
| Net charge-offs to loans | 1.1845% | 233 |
| Credit loss provision to net charge-offs | 46.7327% | 3,161 |
| Earnings coverage of net charge-offs (x) | 2.3762% | 3,931 |
| Efficiency ratio | 64.4444% | 4,473 |
| Assets per employee ($millions) | 4.1089% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 3,171 |
| Loan loss allowance to noncurrent loans | 55.7093% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 1.3526% | 2,284 |
| Noncurrent loans to loans | 2.5150% | 1,164 |
| Net loans and leases to total assets | 53.0281% | 4,693 |
| Net loans and leases to deposits | 60.6191% | 4,883 |
| Net loans and leases to core deposits | 63.9178% | 4,884 |
| Total domestic deposits to total assets | 87.4775% | 2,039 |
| Equity capital to assets | 9.9427% | 4,236 |
| Core capital (leverage) ratio | 9.7266% | 4,035 |
| Tier 1 risk-based capital ratio | 17.4558% | 2,412 |
| Total risk-based capital ratio | 18.7025% | 2,373 |
| Memoranda: | ||
| Average total assets | $106,849,000 | 4,486 |
| Average earning assets | $93,107,500 | 4,621 |
| Average equity | $10,049,000 | 4,773 |
| Average total loans | $56,842,750 | 4,629 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 2,149 |
| Cost of funding earning assets | 0.4789% | 3,035 |
| Net interest margin | 3.9301% | 2,042 |
| Noninterest income to average assets | 0.8086% | 1,805 |
| Noninterest expense to average assets | 2.6690% | 3,982 |
| Loan and lease loss provision to assets | 0.3575% | 493 |
| Net operating income to assets | 0.9798% | 2,408 |
| Return on assets (ROA) | 0.9752% | 2,513 |
| Pretax return on assets | 1.1867% | 2,722 |
| Return on Equity (ROE) | 10.5701% | 1,909 |
| Retained earnings to average equity (ytd only) | 10.5701% | 600 |
| Net charge-offs to loans | 1.8044% | 132 |
| Credit loss provision to net charge-offs | 37.3777% | 2,960 |
| Earnings coverage of net charge-offs (x) | 1.6204% | 3,757 |
| Efficiency ratio | 63.2653% | 4,808 |
| Assets per employee ($millions) | 4.1396% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 3,737 |
| Loan loss allowance to noncurrent loans | 55.6541% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 1.2571% | 2,594 |
| Noncurrent loans to loans | 2.3776% | 1,342 |
| Net loans and leases to total assets | 52.1737% | 4,730 |
| Net loans and leases to deposits | 58.1100% | 5,033 |
| Net loans and leases to core deposits | 61.3350% | 5,024 |
| Total domestic deposits to total assets | 89.7844% | 915 |
| Equity capital to assets | 9.5699% | 4,665 |
| Core capital (leverage) ratio | 9.6004% | 4,177 |
| Tier 1 risk-based capital ratio | 17.0759% | 2,588 |
| Total risk-based capital ratio | 18.3262% | 2,551 |
| Memoranda: | ||
| Average total assets | $106,854,670 | 4,517 |
| Average earning assets | $92,719,670 | 4,667 |
| Average equity | $9,858,000 | 4,836 |
| Average total loans | $56,638,330 | 4,668 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 1,960 |
| Cost of funding earning assets | 0.4897% | 3,014 |
| Net interest margin | 3.9611% | 1,885 |
| Noninterest income to average assets | 0.8002% | 1,749 |
| Noninterest expense to average assets | 2.7088% | 3,903 |
| Loan and lease loss provision to assets | 0.1879% | 1,271 |
| Net operating income to assets | 1.0685% | 1,933 |
| Return on assets (ROA) | 1.0445% | 2,101 |
| Pretax return on assets | 1.3074% | 2,066 |
| Return on Equity (ROE) | 11.5389% | 1,535 |
| Retained earnings to average equity (ytd only) | 11.5389% | 669 |
| Net charge-offs to loans | -0.0142% | 5,185 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9752% | 4,862 |
| Assets per employee ($millions) | 4.2403% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 1,477 |
| Loan loss allowance to noncurrent loans | 88.5827% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.1980% | 2,861 |
| Noncurrent loans to loans | 2.2810% | 1,570 |
| Net loans and leases to total assets | 51.4608% | 4,730 |
| Net loans and leases to deposits | 57.1345% | 5,021 |
| Net loans and leases to core deposits | 59.1991% | 5,107 |
| Total domestic deposits to total assets | 90.0695% | 1,034 |
| Equity capital to assets | 9.3211% | 4,738 |
| Core capital (leverage) ratio | 9.4122% | 4,401 |
| Tier 1 risk-based capital ratio | 16.9208% | 2,729 |
| Total risk-based capital ratio | 18.1797% | 2,676 |
| Memoranda: | ||
| Average total assets | $106,467,500 | 4,573 |
| Average earning assets | $92,298,000 | 4,716 |
| Average equity | $9,637,000 | 4,901 |
| Average total loans | $56,504,000 | 4,707 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3399% | 2,808 |
| Cost of funding earning assets | 0.5350% | 3,248 |
| Net interest margin | 3.8049% | 2,637 |
| Noninterest income to average assets | 1.0938% | 1,174 |
| Noninterest expense to average assets | 2.8409% | 3,567 |
| Loan and lease loss provision to assets | 0.1485% | 2,423 |
| Net operating income to assets | 1.2178% | 1,497 |
| Return on assets (ROA) | 1.1977% | 1,642 |
| Pretax return on assets | 1.4868% | 1,488 |
| Return on Equity (ROE) | 12.8557% | 1,195 |
| Retained earnings to average equity (ytd only) | 9.9020% | 575 |
| Net charge-offs to loans | 0.1782% | 3,045 |
| Credit loss provision to net charge-offs | 151.5152% | 1,530 |
| Earnings coverage of net charge-offs (x) | 16.9394% | 1,755 |
| Efficiency ratio | 63.1185% | 5,038 |
| Assets per employee ($millions) | 4.1126% | 3,621 |
| Cash dividends to net income (ytd only)* | 22.9752% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8716% | 1,850 |
| Loan loss allowance to noncurrent loans | 74.4105% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.3486% | 2,730 |
| Noncurrent loans to loans | 2.5152% | 1,497 |
| Net loans and leases to total assets | 52.6130% | 4,773 |
| Net loans and leases to deposits | 58.0368% | 5,122 |
| Net loans and leases to core deposits | 60.0976% | 5,215 |
| Total domestic deposits to total assets | 90.6545% | 726 |
| Equity capital to assets | 8.7844% | 5,276 |
| Core capital (leverage) ratio | 9.2108% | 4,705 |
| Tier 1 risk-based capital ratio | 14.9794% | 3,683 |
| Total risk-based capital ratio | 16.2350% | 3,617 |
| Memoranda: | ||
| Average total assets | $101,024,200 | 4,715 |
| Average earning assets | $90,462,400 | 4,762 |
| Average equity | $9,412,200 | 4,999 |
| Average total loans | $55,545,000 | 4,766 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2733% | 3,097 |
| Cost of funding earning assets | 0.5488% | 3,275 |
| Net interest margin | 3.7246% | 2,938 |
| Noninterest income to average assets | 1.1572% | 1,094 |
| Noninterest expense to average assets | 2.8997% | 3,314 |
| Loan and lease loss provision to assets | 0.1393% | 2,553 |
| Net operating income to assets | 1.1843% | 1,683 |
| Return on assets (ROA) | 1.2510% | 1,556 |
| Pretax return on assets | 1.5751% | 1,402 |
| Return on Equity (ROE) | 13.2240% | 1,189 |
| Retained earnings to average equity (ytd only) | 13.2240% | 315 |
| Net charge-offs to loans | 0.2081% | 2,579 |
| Credit loss provision to net charge-offs | 120.9302% | 1,949 |
| Earnings coverage of net charge-offs (x) | 14.1517% | 1,966 |
| Efficiency ratio | 64.0154% | 4,795 |
| Assets per employee ($millions) | 3.8592% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8881% | 2,038 |
| Loan loss allowance to noncurrent loans | 52.7383% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 1.9653% | 2,065 |
| Noncurrent loans to loans | 3.5801% | 1,058 |
| Net loans and leases to total assets | 53.8589% | 4,635 |
| Net loans and leases to deposits | 59.9321% | 4,980 |
| Net loans and leases to core deposits | 63.5041% | 4,942 |
| Total domestic deposits to total assets | 89.8665% | 1,078 |
| Equity capital to assets | 9.3721% | 4,714 |
| Core capital (leverage) ratio | 9.8362% | 3,909 |
| Tier 1 risk-based capital ratio | 16.0493% | 3,169 |
| Total risk-based capital ratio | 17.1231% | 3,212 |
| Memoranda: | ||
| Average total assets | $99,548,250 | 4,794 |
| Average earning assets | $90,138,250 | 4,807 |
| Average equity | $9,417,000 | 5,051 |
| Average total loans | $55,098,500 | 4,820 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 3,233 |
| Cost of funding earning assets | 0.5734% | 3,181 |
| Net interest margin | 3.6582% | 3,142 |
| Noninterest income to average assets | 1.2228% | 1,034 |
| Noninterest expense to average assets | 2.9149% | 3,283 |
| Loan and lease loss provision to assets | 0.1289% | 2,709 |
| Net operating income to assets | 1.2130% | 1,561 |
| Return on assets (ROA) | 1.3174% | 1,360 |
| Pretax return on assets | 1.6236% | 1,296 |
| Return on Equity (ROE) | 13.8834% | 1,035 |
| Retained earnings to average equity (ytd only) | 13.8834% | 308 |
| Net charge-offs to loans | 0.3121% | 1,933 |
| Credit loss provision to net charge-offs | 74.4186% | 2,733 |
| Earnings coverage of net charge-offs (x) | 9.3721% | 2,295 |
| Efficiency ratio | 64.2255% | 4,840 |
| Assets per employee ($millions) | 3.9067% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8401% | 2,293 |
| Loan loss allowance to noncurrent loans | 61.4628% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 1.6018% | 2,716 |
| Noncurrent loans to loans | 2.9938% | 1,487 |
| Net loans and leases to total assets | 52.5188% | 4,794 |
| Net loans and leases to deposits | 60.0108% | 4,977 |
| Net loans and leases to core deposits | 64.9452% | 4,795 |
| Total domestic deposits to total assets | 87.5156% | 2,531 |
| Equity capital to assets | 9.2926% | 4,868 |
| Core capital (leverage) ratio | 9.5386% | 4,184 |
| Tier 1 risk-based capital ratio | 15.1677% | 3,667 |
| Total risk-based capital ratio | 16.4220% | 3,634 |
| Memoranda: | ||
| Average total assets | $99,284,330 | 4,838 |
| Average earning assets | $89,990,330 | 4,847 |
| Average equity | $9,421,330 | 5,077 |
| Average total loans | $55,104,000 | 4,854 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1174% | 3,652 |
| Cost of funding earning assets | 0.5965% | 3,135 |
| Net interest margin | 3.5209% | 3,615 |
| Noninterest income to average assets | 1.2594% | 964 |
| Noninterest expense to average assets | 2.9346% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1538% | 1,656 |
| Return on assets (ROA) | 1.1779% | 1,700 |
| Pretax return on assets | 1.5814% | 1,342 |
| Return on Equity (ROE) | 12.2815% | 1,352 |
| Retained earnings to average equity (ytd only) | 12.2815% | 659 |
| Net charge-offs to loans | -0.0288% | 5,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4545% | 4,756 |
| Assets per employee ($millions) | 3.8934% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9192% | 2,248 |
| Loan loss allowance to noncurrent loans | 70.3221% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.4990% | 3,008 |
| Noncurrent loans to loans | 2.7292% | 1,865 |
| Net loans and leases to total assets | 53.8692% | 4,441 |
| Net loans and leases to deposits | 60.2401% | 4,765 |
| Net loans and leases to core deposits | 65.3070% | 4,610 |
| Total domestic deposits to total assets | 89.4240% | 1,400 |
| Equity capital to assets | 9.7859% | 4,446 |
| Core capital (leverage) ratio | 9.3811% | 4,276 |
| Tier 1 risk-based capital ratio | 15.9876% | 3,279 |
| Total risk-based capital ratio | 17.2377% | 3,235 |
| Memoranda: | ||
| Average total assets | $98,139,000 | 4,902 |
| Average earning assets | $89,862,500 | 4,889 |
| Average equity | $9,412,500 | 5,129 |
| Average total loans | $55,483,000 | 4,872 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4349% | 3,682 |
| Cost of funding earning assets | 0.7065% | 3,447 |
| Net interest margin | 3.7284% | 3,529 |
| Noninterest income to average assets | 1.4232% | 774 |
| Noninterest expense to average assets | 2.9168% | 3,574 |
| Loan and lease loss provision to assets | 0.2070% | 3,072 |
| Net operating income to assets | 1.2180% | 1,540 |
| Return on assets (ROA) | 1.2358% | 1,655 |
| Pretax return on assets | 1.7109% | 1,108 |
| Return on Equity (ROE) | 13.6798% | 1,060 |
| Retained earnings to average equity (ytd only) | 10.4947% | 503 |
| Net charge-offs to loans | 0.0912% | 4,758 |
| Credit loss provision to net charge-offs | 408.1633% | 589 |
| Earnings coverage of net charge-offs (x) | 37.3265% | 852 |
| Efficiency ratio | 60.6413% | 5,439 |
| Assets per employee ($millions) | 3.9578% | 4,037 |
| Cash dividends to net income (ytd only)* | 23.2831% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7772% | 2,664 |
| Loan loss allowance to noncurrent loans | 86.0269% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 3,657 |
| Noncurrent loans to loans | 2.0658% | 2,615 |
| Net loans and leases to total assets | 57.0878% | 4,110 |
| Net loans and leases to deposits | 67.8670% | 4,007 |
| Net loans and leases to core deposits | 72.7103% | 3,948 |
| Total domestic deposits to total assets | 84.1173% | 4,263 |
| Equity capital to assets | 9.3993% | 4,999 |
| Core capital (leverage) ratio | 9.1264% | 4,694 |
| Tier 1 risk-based capital ratio | 14.7557% | 3,861 |
| Total risk-based capital ratio | 16.0114% | 3,809 |
| Memoranda: | ||
| Average total assets | $96,614,200 | 4,923 |
| Average earning assets | $87,757,800 | 4,921 |
| Average equity | $8,728,200 | 5,294 |
| Average total loans | $53,747,200 | 4,952 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 3,632 |
| Cost of funding earning assets | 0.7336% | 3,486 |
| Net interest margin | 3.7683% | 3,473 |
| Noninterest income to average assets | 1.3592% | 806 |
| Noninterest expense to average assets | 2.9059% | 3,576 |
| Loan and lease loss provision to assets | 0.2305% | 2,747 |
| Net operating income to assets | 1.1871% | 1,788 |
| Return on assets (ROA) | 1.1871% | 1,968 |
| Pretax return on assets | 1.6175% | 1,517 |
| Return on Equity (ROE) | 13.2782% | 1,276 |
| Retained earnings to average equity (ytd only) | 13.2782% | 370 |
| Net charge-offs to loans | 0.1111% | 4,280 |
| Credit loss provision to net charge-offs | 377.2727% | 716 |
| Earnings coverage of net charge-offs (x) | 30.2475% | 1,092 |
| Efficiency ratio | 61.1273% | 5,294 |
| Assets per employee ($millions) | 4.1377% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 2,537 |
| Loan loss allowance to noncurrent loans | 100.1008% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 1.0424% | 4,216 |
| Noncurrent loans to loans | 1.8797% | 2,980 |
| Net loans and leases to total assets | 54.4101% | 4,690 |
| Net loans and leases to deposits | 62.3087% | 4,933 |
| Net loans and leases to core deposits | 66.7616% | 4,872 |
| Total domestic deposits to total assets | 87.3235% | 2,485 |
| Equity capital to assets | 9.7827% | 4,806 |
| Core capital (leverage) ratio | 9.0811% | 4,945 |
| Tier 1 risk-based capital ratio | 16.1189% | 3,212 |
| Total risk-based capital ratio | 17.3749% | 3,180 |
| Memoranda: | ||
| Average total assets | $96,031,750 | 4,986 |
| Average earning assets | $86,509,500 | 4,999 |
| Average equity | $8,585,250 | 5,388 |
| Average total loans | $52,807,250 | 5,041 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 3,829 |
| Cost of funding earning assets | 0.7466% | 3,626 |
| Net interest margin | 3.7376% | 3,650 |
| Noninterest income to average assets | 1.2043% | 990 |
| Noninterest expense to average assets | 2.8738% | 3,731 |
| Loan and lease loss provision to assets | 0.3447% | 1,909 |
| Net operating income to assets | 1.0091% | 2,428 |
| Return on assets (ROA) | 1.0091% | 2,642 |
| Pretax return on assets | 1.3434% | 2,409 |
| Return on Equity (ROE) | 11.6495% | 1,788 |
| Retained earnings to average equity (ytd only) | 11.6495% | 637 |
| Net charge-offs to loans | 0.1666% | 3,608 |
| Credit loss provision to net charge-offs | 377.2727% | 791 |
| Earnings coverage of net charge-offs (x) | 18.4773% | 1,485 |
| Efficiency ratio | 62.9950% | 5,082 |
| Assets per employee ($millions) | 4.2490% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8644% | 2,660 |
| Loan loss allowance to noncurrent loans | 156.6246% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 5,157 |
| Noncurrent loans to loans | 1.1904% | 4,167 |
| Net loans and leases to total assets | 53.4832% | 4,882 |
| Net loans and leases to deposits | 59.6437% | 5,271 |
| Net loans and leases to core deposits | 63.8415% | 5,227 |
| Total domestic deposits to total assets | 89.6711% | 1,113 |
| Equity capital to assets | 9.1368% | 5,540 |
| Core capital (leverage) ratio | 8.5852% | 5,538 |
| Tier 1 risk-based capital ratio | 15.1588% | 3,660 |
| Total risk-based capital ratio | 16.4156% | 3,623 |
| Memoranda: | ||
| Average total assets | $96,319,670 | 5,002 |
| Average earning assets | $86,525,330 | 5,034 |
| Average equity | $8,343,670 | 5,466 |
| Average total loans | $52,818,330 | 5,068 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 4,045 |
| Cost of funding earning assets | 0.7630% | 3,763 |
| Net interest margin | 3.7035% | 3,812 |
| Noninterest income to average assets | 1.2257% | 951 |
| Noninterest expense to average assets | 2.7945% | 4,056 |
| Loan and lease loss provision to assets | 0.1255% | 3,778 |
| Net operating income to assets | 1.1964% | 1,749 |
| Return on assets (ROA) | 1.1964% | 1,930 |
| Pretax return on assets | 1.6357% | 1,466 |
| Return on Equity (ROE) | 14.2094% | 1,144 |
| Retained earnings to average equity (ytd only) | 14.2094% | 543 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3407% | 5,394 |
| Assets per employee ($millions) | 4.4530% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 3,207 |
| Loan loss allowance to noncurrent loans | 131.7251% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 5,154 |
| Noncurrent loans to loans | 1.3184% | 4,138 |
| Net loans and leases to total assets | 52.0405% | 5,021 |
| Net loans and leases to deposits | 57.4490% | 5,442 |
| Net loans and leases to core deposits | 61.2514% | 5,411 |
| Total domestic deposits to total assets | 90.5855% | 755 |
| Equity capital to assets | 8.3315% | 6,243 |
| Core capital (leverage) ratio | 7.9487% | 6,299 |
| Tier 1 risk-based capital ratio | 14.1732% | 4,340 |
| Total risk-based capital ratio | 15.4323% | 4,308 |
| Memoranda: | ||
| Average total assets | $95,616,500 | 5,045 |
| Average earning assets | $85,973,000 | 5,084 |
| Average equity | $8,051,000 | 5,583 |
| Average total loans | $52,597,500 | 5,122 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9649% | 3,054 |
| Cost of funding earning assets | 1.2172% | 1,911 |
| Net interest margin | 3.7477% | 4,092 |
| Noninterest income to average assets | 1.2686% | 803 |
| Noninterest expense to average assets | 2.8338% | 4,223 |
| Loan and lease loss provision to assets | 0.1732% | 4,465 |
| Net operating income to assets | 1.1539% | 1,660 |
| Return on assets (ROA) | 1.1539% | 1,766 |
| Pretax return on assets | 1.5143% | 1,429 |
| Return on Equity (ROE) | 14.5243% | 825 |
| Retained earnings to average equity (ytd only) | 10.9409% | 413 |
| Net charge-offs to loans | 0.1618% | 4,850 |
| Credit loss provision to net charge-offs | 186.0465% | 1,390 |
| Earnings coverage of net charge-offs (x) | 18.1279% | 1,230 |
| Efficiency ratio | 62.6766% | 5,359 |
| Assets per employee ($millions) | 4.4413% | 3,003 |
| Cash dividends to net income (ytd only)* | 24.6717% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 3,450 |
| Loan loss allowance to noncurrent loans | 128.6558% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 5,190 |
| Noncurrent loans to loans | 1.2699% | 4,248 |
| Net loans and leases to total assets | 56.2267% | 4,662 |
| Net loans and leases to deposits | 62.2696% | 5,204 |
| Net loans and leases to core deposits | 65.5603% | 5,315 |
| Total domestic deposits to total assets | 90.2956% | 817 |
| Equity capital to assets | 8.5132% | 6,136 |
| Core capital (leverage) ratio | 7.7334% | 6,513 |
| Tier 1 risk-based capital ratio | 13.5786% | 4,635 |
| Total risk-based capital ratio | 14.8334% | 4,605 |
| Memoranda: | ||
| Average total assets | $92,384,800 | 5,117 |
| Average earning assets | $80,182,800 | 5,227 |
| Average equity | $7,339,400 | 5,761 |
| Average total loans | $53,139,400 | 5,148 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0013% | 3,082 |
| Cost of funding earning assets | 1.2275% | 2,140 |
| Net interest margin | 3.7738% | 3,995 |
| Noninterest income to average assets | 1.1414% | 1,013 |
| Noninterest expense to average assets | 2.7530% | 4,524 |
| Loan and lease loss provision to assets | 0.1302% | 4,802 |
| Net operating income to assets | 1.2311% | 1,573 |
| Return on assets (ROA) | 1.2311% | 1,676 |
| Pretax return on assets | 1.4915% | 1,675 |
| Return on Equity (ROE) | 15.7825% | 710 |
| Retained earnings to average equity (ytd only) | 15.7825% | 189 |
| Net charge-offs to loans | 0.0628% | 5,341 |
| Credit loss provision to net charge-offs | 360.0000% | 791 |
| Earnings coverage of net charge-offs (x) | 44.8434% | 703 |
| Efficiency ratio | 62.9299% | 5,250 |
| Assets per employee ($millions) | 4.5097% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 3,717 |
| Loan loss allowance to noncurrent loans | 116.3514% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 5,214 |
| Noncurrent loans to loans | 1.3664% | 4,254 |
| Net loans and leases to total assets | 56.2764% | 4,801 |
| Net loans and leases to deposits | 63.3564% | 5,254 |
| Net loans and leases to core deposits | 68.4194% | 5,131 |
| Total domestic deposits to total assets | 88.8252% | 1,536 |
| Equity capital to assets | 8.4009% | 6,397 |
| Core capital (leverage) ratio | 8.0214% | 6,375 |
| Tier 1 risk-based capital ratio | 13.5838% | 4,669 |
| Total risk-based capital ratio | 14.8543% | 4,618 |
| Memoranda: | ||
| Average total assets | $92,164,250 | 5,166 |
| Average earning assets | $78,963,750 | 5,301 |
| Average equity | $7,189,250 | 5,844 |
| Average total loans | $53,096,250 | 5,199 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0660% | 2,852 |
| Cost of funding earning assets | 1.3258% | 1,793 |
| Net interest margin | 3.7401% | 4,082 |
| Noninterest income to average assets | 1.0053% | 1,300 |
| Noninterest expense to average assets | 2.8428% | 4,264 |
| Loan and lease loss provision to assets | 0.1314% | 4,652 |
| Net operating income to assets | 0.9571% | 2,409 |
| Return on assets (ROA) | 0.9571% | 2,508 |
| Pretax return on assets | 1.2068% | 2,453 |
| Return on Equity (ROE) | 12.6052% | 1,307 |
| Retained earnings to average equity (ytd only) | 12.6052% | 438 |
| Net charge-offs to loans | -0.0076% | 6,638 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9937% | 4,515 |
| Assets per employee ($millions) | 4.4556% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 3,609 |
| Loan loss allowance to noncurrent loans | 91.0828% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.0068% | 4,864 |
| Noncurrent loans to loans | 1.7828% | 3,775 |
| Net loans and leases to total assets | 55.5548% | 5,061 |
| Net loans and leases to deposits | 63.1473% | 5,378 |
| Net loans and leases to core deposits | 68.2819% | 5,264 |
| Total domestic deposits to total assets | 87.9765% | 2,152 |
| Equity capital to assets | 7.7730% | 6,820 |
| Core capital (leverage) ratio | 7.6926% | 6,589 |
| Tier 1 risk-based capital ratio | 12.4702% | 5,375 |
| Total risk-based capital ratio | 13.7400% | 5,332 |
| Memoranda: | ||
| Average total assets | $91,317,670 | 5,224 |
| Average earning assets | $77,537,000 | 5,382 |
| Average equity | $6,933,670 | 5,939 |
| Average total loans | $52,742,670 | 5,254 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1540% | 2,416 |
| Cost of funding earning assets | 1.3730% | 1,753 |
| Net interest margin | 3.7810% | 3,701 |
| Noninterest income to average assets | 1.0023% | 1,318 |
| Noninterest expense to average assets | 2.9581% | 3,826 |
| Loan and lease loss provision to assets | 0.1330% | 4,340 |
| Net operating income to assets | 0.9757% | 2,261 |
| Return on assets (ROA) | 0.9757% | 2,323 |
| Pretax return on assets | 1.0866% | 2,807 |
| Return on Equity (ROE) | 13.0101% | 1,195 |
| Retained earnings to average equity (ytd only) | 13.0101% | 590 |
| Net charge-offs to loans | -0.0076% | 6,299 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8068% | 4,099 |
| Assets per employee ($millions) | 4.5328% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 3,719 |
| Loan loss allowance to noncurrent loans | 110.6952% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 5,336 |
| Noncurrent loans to loans | 1.4465% | 4,297 |
| Net loans and leases to total assets | 53.4553% | 5,389 |
| Net loans and leases to deposits | 60.2494% | 5,705 |
| Net loans and leases to core deposits | 71.1511% | 4,911 |
| Total domestic deposits to total assets | 88.7234% | 1,941 |
| Equity capital to assets | 7.2383% | 6,997 |
| Core capital (leverage) ratio | 7.6240% | 6,629 |
| Tier 1 risk-based capital ratio | 12.6703% | 5,097 |
| Total risk-based capital ratio | 13.9405% | 5,050 |
| Memoranda: | ||
| Average total assets | $90,193,000 | 5,285 |
| Average earning assets | $75,747,000 | 5,487 |
| Average equity | $6,764,000 | 6,001 |
| Average total loans | $52,694,500 | 5,300 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6593% | 1,719 |
| Cost of funding earning assets | 1.7848% | 1,231 |
| Net interest margin | 3.8745% | 3,616 |
| Noninterest income to average assets | 1.4674% | 675 |
| Noninterest expense to average assets | 3.2441% | 2,938 |
| Loan and lease loss provision to assets | 0.3819% | 3,824 |
| Net operating income to assets | 0.8406% | 2,633 |
| Return on assets (ROA) | 0.8389% | 2,773 |
| Pretax return on assets | 1.2583% | 2,052 |
| Return on Equity (ROE) | 10.1089% | 1,882 |
| Retained earnings to average equity (ytd only) | 6.1408% | 1,750 |
| Net charge-offs to loans | 0.4096% | 3,993 |
| Credit loss provision to net charge-offs | 138.6364% | 2,750 |
| Earnings coverage of net charge-offs (x) | 5.9636% | 2,476 |
| Efficiency ratio | 66.3848% | 4,898 |
| Assets per employee ($millions) | 4.0570% | 3,667 |
| Cash dividends to net income (ytd only)* | 39.2537% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 4,095 |
| Loan loss allowance to noncurrent loans | 136.9416% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 5,533 |
| Noncurrent loans to loans | 1.0842% | 4,921 |
| Net loans and leases to total assets | 62.0684% | 4,272 |
| Net loans and leases to deposits | 70.7306% | 4,719 |
| Net loans and leases to core deposits | 85.0491% | 3,458 |
| Total domestic deposits to total assets | 87.7532% | 2,395 |
| Equity capital to assets | 7.7913% | 6,678 |
| Core capital (leverage) ratio | 8.1400% | 5,928 |
| Tier 1 risk-based capital ratio | 11.9539% | 5,520 |
| Total risk-based capital ratio | 13.2102% | 5,490 |
| Memoranda: | ||
| Average total assets | $79,867,200 | 5,597 |
| Average earning assets | $70,485,800 | 5,649 |
| Average equity | $6,627,800 | 6,158 |
| Average total loans | $53,714,800 | 5,331 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6731% | 1,803 |
| Cost of funding earning assets | 1.8355% | 1,279 |
| Net interest margin | 3.8376% | 3,807 |
| Noninterest income to average assets | 1.3955% | 696 |
| Noninterest expense to average assets | 3.2410% | 2,777 |
| Loan and lease loss provision to assets | 0.1273% | 5,752 |
| Net operating income to assets | 1.0152% | 2,183 |
| Return on assets (ROA) | 1.0152% | 2,301 |
| Pretax return on assets | 1.4702% | 1,688 |
| Return on Equity (ROE) | 12.0344% | 1,492 |
| Retained earnings to average equity (ytd only) | 12.0344% | 455 |
| Net charge-offs to loans | 0.5162% | 3,227 |
| Credit loss provision to net charge-offs | 36.0577% | 6,082 |
| Earnings coverage of net charge-offs (x) | 4.5240% | 3,017 |
| Efficiency ratio | 66.9825% | 4,656 |
| Assets per employee ($millions) | 3.7644% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 6,017 |
| Loan loss allowance to noncurrent loans | 125.0540% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 5,802 |
| Noncurrent loans to loans | 0.8641% | 5,497 |
| Net loans and leases to total assets | 67.0474% | 3,450 |
| Net loans and leases to deposits | 79.8539% | 3,479 |
| Net loans and leases to core deposits | 98.5406% | 1,991 |
| Total domestic deposits to total assets | 83.9627% | 4,151 |
| Equity capital to assets | 8.9092% | 5,691 |
| Core capital (leverage) ratio | 8.6488% | 5,273 |
| Tier 1 risk-based capital ratio | 12.3987% | 5,077 |
| Total risk-based capital ratio | 13.4508% | 5,240 |
| Memoranda: | ||
| Average total assets | $78,534,500 | 5,703 |
| Average earning assets | $70,459,750 | 5,724 |
| Average equity | $6,625,250 | 6,229 |
| Average total loans | $53,724,000 | 5,404 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7013% | 1,762 |
| Cost of funding earning assets | 1.9243% | 1,135 |
| Net interest margin | 3.7770% | 4,009 |
| Noninterest income to average assets | 1.1587% | 960 |
| Noninterest expense to average assets | 3.2541% | 2,712 |
| Loan and lease loss provision to assets | 0.1149% | 5,756 |
| Net operating income to assets | 0.7835% | 3,052 |
| Return on assets (ROA) | 0.7835% | 3,192 |
| Pretax return on assets | 1.1511% | 2,584 |
| Return on Equity (ROE) | 9.4665% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.4665% | 969 |
| Net charge-offs to loans | 0.7736% | 2,311 |
| Credit loss provision to net charge-offs | 21.6346% | 5,836 |
| Earnings coverage of net charge-offs (x) | 2.3846% | 3,800 |
| Efficiency ratio | 71.9932% | 3,814 |
| Assets per employee ($millions) | 3.7068% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 6,324 |
| Loan loss allowance to noncurrent loans | 108.7129% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7310% | 5,665 |
| Noncurrent loans to loans | 0.9363% | 5,422 |
| Net loans and leases to total assets | 68.5864% | 3,224 |
| Net loans and leases to deposits | 81.2062% | 3,399 |
| Net loans and leases to core deposits | 102.7502% | 1,760 |
| Total domestic deposits to total assets | 84.4595% | 3,891 |
| Equity capital to assets | 8.5429% | 6,111 |
| Core capital (leverage) ratio | 8.3077% | 5,756 |
| Tier 1 risk-based capital ratio | 12.0778% | 5,247 |
| Total risk-based capital ratio | 13.0933% | 5,422 |
| Memoranda: | ||
| Average total assets | $78,361,670 | 5,746 |
| Average earning assets | $69,738,670 | 5,784 |
| Average equity | $6,486,000 | 6,305 |
| Average total loans | $53,771,330 | 5,438 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7185% | 1,710 |
| Cost of funding earning assets | 1.9273% | 1,334 |
| Net interest margin | 3.7912% | 3,830 |
| Noninterest income to average assets | 1.0938% | 1,051 |
| Noninterest expense to average assets | 3.1849% | 2,927 |
| Loan and lease loss provision to assets | 0.1170% | 5,435 |
| Net operating income to assets | 0.9260% | 2,450 |
| Return on assets (ROA) | 0.9260% | 2,513 |
| Pretax return on assets | 1.1345% | 2,608 |
| Return on Equity (ROE) | 11.3679% | 1,680 |
| Retained earnings to average equity (ytd only) | 11.3679% | 853 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7890% | 3,965 |
| Assets per employee ($millions) | 3.7213% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 4,565 |
| Loan loss allowance to noncurrent loans | 121.7247% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 5,151 |
| Noncurrent loans to loans | 1.1275% | 5,109 |
| Net loans and leases to total assets | 67.4988% | 3,506 |
| Net loans and leases to deposits | 79.7102% | 3,710 |
| Net loans and leases to core deposits | 87.3053% | 3,708 |
| Total domestic deposits to total assets | 84.6804% | 3,820 |
| Equity capital to assets | 8.3483% | 6,229 |
| Core capital (leverage) ratio | 8.1869% | 5,931 |
| Tier 1 risk-based capital ratio | 11.6940% | 5,499 |
| Total risk-based capital ratio | 12.9114% | 5,476 |
| Memoranda: | ||
| Average total assets | $78,621,500 | 5,805 |
| Average earning assets | $69,319,000 | 5,868 |
| Average equity | $6,404,000 | 6,380 |
| Average total loans | $53,688,000 | 5,507 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9941% | 1,897 |
| Cost of funding earning assets | 2.3323% | 1,522 |
| Net interest margin | 3.6618% | 4,303 |
| Noninterest income to average assets | 1.6939% | 506 |
| Noninterest expense to average assets | 3.2686% | 3,128 |
| Loan and lease loss provision to assets | 0.4671% | 4,032 |
| Net operating income to assets | 0.8369% | 2,395 |
| Return on assets (ROA) | 0.8625% | 2,369 |
| Pretax return on assets | 1.2281% | 1,872 |
| Return on Equity (ROE) | 10.2280% | 1,630 |
| Retained earnings to average equity (ytd only) | 6.0051% | 1,339 |
| Net charge-offs to loans | 0.1888% | 5,471 |
| Credit loss provision to net charge-offs | 338.2353% | 956 |
| Earnings coverage of net charge-offs (x) | 12.0098% | 1,542 |
| Efficiency ratio | 66.3369% | 5,326 |
| Assets per employee ($millions) | 3.7664% | 4,362 |
| Cash dividends to net income (ytd only)* | 41.2873% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 4,641 |
| Loan loss allowance to noncurrent loans | 102.5937% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 5,020 |
| Noncurrent loans to loans | 1.2877% | 4,773 |
| Net loans and leases to total assets | 67.2369% | 3,872 |
| Net loans and leases to deposits | 80.7535% | 3,849 |
| Net loans and leases to core deposits | 99.1480% | 4,096 |
| Total domestic deposits to total assets | 83.2619% | 4,399 |
| Equity capital to assets | 7.9449% | 6,635 |
| Core capital (leverage) ratio | 8.1576% | 5,894 |
| Tier 1 risk-based capital ratio | 10.9331% | 5,977 |
| Total risk-based capital ratio | 12.1838% | 5,958 |
| Memoranda: | ||
| Average total assets | $73,853,600 | 5,892 |
| Average earning assets | $65,214,600 | 5,951 |
| Average equity | $6,228,000 | 6,524 |
| Average total loans | $54,035,000 | 5,500 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0776% | 1,727 |
| Cost of funding earning assets | 2.4335% | 1,515 |
| Net interest margin | 3.6441% | 4,305 |
| Noninterest income to average assets | 1.8343% | 441 |
| Noninterest expense to average assets | 3.1704% | 3,400 |
| Loan and lease loss provision to assets | 0.2665% | 4,830 |
| Net operating income to assets | 1.1155% | 1,690 |
| Return on assets (ROA) | 1.1542% | 1,636 |
| Pretax return on assets | 1.6909% | 988 |
| Return on Equity (ROE) | 13.4746% | 1,016 |
| Retained earnings to average equity (ytd only) | 13.4746% | 225 |
| Net charge-offs to loans | 0.0123% | 6,750 |
| Credit loss provision to net charge-offs | 2,900.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 206.6912% | 183 |
| Efficiency ratio | 62.5227% | 6,014 |
| Assets per employee ($millions) | 3.5978% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 5,694 |
| Loan loss allowance to noncurrent loans | 168.2320% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 6,267 |
| Noncurrent loans to loans | 0.6567% | 5,987 |
| Net loans and leases to total assets | 72.1484% | 3,000 |
| Net loans and leases to deposits | 91.1906% | 2,365 |
| Net loans and leases to core deposits | 114.4083% | 2,790 |
| Total domestic deposits to total assets | 79.1182% | 5,759 |
| Equity capital to assets | 8.6759% | 5,996 |
| Core capital (leverage) ratio | 8.7837% | 5,001 |
| Tier 1 risk-based capital ratio | 11.8222% | 5,137 |
| Total risk-based capital ratio | 12.9337% | 5,208 |
| Memoranda: | ||
| Average total assets | $72,543,250 | 5,965 |
| Average earning assets | $64,432,000 | 6,021 |
| Average equity | $6,214,000 | 6,590 |
| Average total loans | $54,070,500 | 5,552 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1334% | 1,676 |
| Cost of funding earning assets | 2.5574% | 1,418 |
| Net interest margin | 3.5760% | 4,464 |
| Noninterest income to average assets | 2.0660% | 350 |
| Noninterest expense to average assets | 3.2821% | 3,039 |
| Loan and lease loss provision to assets | 0.0839% | 6,340 |
| Net operating income to assets | 1.2438% | 1,376 |
| Return on assets (ROA) | 1.3000% | 1,311 |
| Pretax return on assets | 1.9542% | 626 |
| Return on Equity (ROE) | 15.2451% | 792 |
| Retained earnings to average equity (ytd only) | 15.2451% | 195 |
| Net charge-offs to loans | 0.0112% | 6,407 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 233.0000% | 177 |
| Efficiency ratio | 62.6802% | 6,144 |
| Assets per employee ($millions) | 3.3954% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 6,618 |
| Loan loss allowance to noncurrent loans | 138.5475% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 6,186 |
| Noncurrent loans to loans | 0.6761% | 5,900 |
| Net loans and leases to total assets | 73.5667% | 2,825 |
| Net loans and leases to deposits | 90.5991% | 2,734 |
| Net loans and leases to core deposits | 108.6315% | 3,537 |
| Total domestic deposits to total assets | 81.2002% | 4,999 |
| Equity capital to assets | 8.8298% | 5,558 |
| Core capital (leverage) ratio | 8.7253% | 5,048 |
| Tier 1 risk-based capital ratio | 11.3166% | 5,574 |
| Total risk-based capital ratio | 12.2056% | 5,863 |
| Memoranda: | ||
| Average total assets | $71,539,670 | 6,042 |
| Average earning assets | $63,423,000 | 6,098 |
| Average equity | $6,100,330 | 6,685 |
| Average total loans | $53,720,670 | 5,605 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2991% | 1,304 |
| Cost of funding earning assets | 2.6743% | 1,334 |
| Net interest margin | 3.6248% | 4,215 |
| Noninterest income to average assets | 2.3501% | 273 |
| Noninterest expense to average assets | 3.1204% | 3,301 |
| Loan and lease loss provision to assets | 0.0837% | 5,884 |
| Net operating income to assets | 1.5325% | 884 |
| Return on assets (ROA) | 1.6467% | 793 |
| Pretax return on assets | 2.5119% | 254 |
| Return on Equity (ROE) | 19.6585% | 446 |
| Retained earnings to average equity (ytd only) | 19.6585% | 171 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2941% | 6,929 |
| Assets per employee ($millions) | 3.4480% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 6,606 |
| Loan loss allowance to noncurrent loans | 253.4031% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 6,717 |
| Noncurrent loans to loans | 0.3668% | 6,509 |
| Net loans and leases to total assets | 71.2500% | 3,417 |
| Net loans and leases to deposits | 87.2824% | 3,421 |
| Net loans and leases to core deposits | 103.9995% | 4,140 |
| Total domestic deposits to total assets | 81.6316% | 4,707 |
| Equity capital to assets | 8.4978% | 6,074 |
| Core capital (leverage) ratio | 8.4855% | 5,570 |
| Tier 1 risk-based capital ratio | 11.1801% | 5,722 |
| Total risk-based capital ratio | 12.0608% | 5,985 |
| Memoranda: | ||
| Average total assets | $71,657,500 | 6,078 |
| Average earning assets | $63,120,000 | 6,139 |
| Average equity | $6,002,500 | 6,756 |
| Average total loans | $54,105,000 | 5,628 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6383% | 2,298 |
| Cost of funding earning assets | 2.9391% | 2,101 |
| Net interest margin | 3.6993% | 4,475 |
| Noninterest income to average assets | 4.4653% | 141 |
| Noninterest expense to average assets | 3.3464% | 2,826 |
| Loan and lease loss provision to assets | 0.2374% | 4,530 |
| Net operating income to assets | 0.7568% | 3,630 |
| Return on assets (ROA) | 0.7568% | 3,472 |
| Pretax return on assets | 4.2249% | 56 |
| Return on Equity (ROE) | 8.7245% | 2,743 |
| Retained earnings to average equity (ytd only) | 4.2254% | 2,490 |
| Net charge-offs to loans | 0.0561% | 5,979 |
| Credit loss provision to net charge-offs | 551.7241% | 797 |
| Earnings coverage of net charge-offs (x) | 103.6897% | 417 |
| Efficiency ratio | 42.8544% | 8,044 |
| Assets per employee ($millions) | 3.3766% | 5,011 |
| Cash dividends to net income (ytd only)* | 51.5686% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 6,956 |
| Loan loss allowance to noncurrent loans | 263.4831% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 6,572 |
| Noncurrent loans to loans | 0.3171% | 6,425 |
| Net loans and leases to total assets | 78.5060% | 2,000 |
| Net loans and leases to deposits | 95.6889% | 2,492 |
| Net loans and leases to core deposits | 116.7366% | 3,037 |
| Total domestic deposits to total assets | 82.0429% | 4,185 |
| Equity capital to assets | 8.2529% | 6,477 |
| Core capital (leverage) ratio | 8.5118% | 5,558 |
| Tier 1 risk-based capital ratio | 10.3348% | 6,381 |
| Total risk-based capital ratio | 11.1633% | 6,717 |
| Memoranda: | ||
| Average total assets | $67,386,400 | 6,108 |
| Average earning assets | $60,903,800 | 6,133 |
| Average equity | $5,845,600 | 6,860 |
| Average total loans | $51,683,200 | 5,632 |